Key Information about your Credit Agreement

Sky UK Limited and Sky Subscribers Services Limited

This Key Information document contains important information about your Credit
Agreement with Sky UK Limited (“Sky”) (FCA Authorisation Number 712293)
and Sky Subscribers Services Limited (“SSSL”) including your legal rights and
obligations under it. In this document “we”, “our” and “us” are references to Sky
and other members of the Sky group.

You should carefully consider the information in this document together with
the accompanying Pre-Contract Credit Information. The Pre-Contract Credit
Information tells you the amount of credit you will take out and your monthly
repayments.

The purpose of the Pre-Contract Credit Information and this document is to help
you decide whether you wish to take out a loan and enter into a Fixed Sum Loan
Agreement regulated by the Consumer Credit Act 1974 (“Credit Agreement”)
with us to finance your purchase of goods (defined in the Credit Agreement as
“Equipment”) from us, given your needs and financial situation. You will also be
agreeing to our sale contract for the purchase of the goods (“Sale Contract”).

You can also have a copy of the Credit Agreement and the Sale contract before
you enter into an agreement with us. If you still have any questions after you read
this document or the Pre-Contract Credit Information, the Credit Agreement, or
the Sale contract please contact us in any of the ways shown at the end of this
document.

1. What is a “Fixed Sum Loan Agreement”?

A "Fixed Sum Loan Agreement” is a fixed-sum loan provided to you under a Credit
Agreement with Sky and SSSL which can only be used to finance your purchase
of Equipment from us. We will not charge you any interest or set-up charge on a
Credit Agreement. You should be aware that if you decide to withdraw from your
Credit Agreement we will treat the Credit Agreement as if it had never been entered
into - see 'What if I change my mind?' below.

2. How will the repayments be collected?

We will collect your repayments by continuous payment method. If you wish to
make an earlier repayment in full or in part please let us know and we can arrange
to take payment from you.

3. What happens if I fail to make the repayments under the Credit Agreement?
Missing repayments could have serious consequences.

It could adversely affect your credit records, which may make it more difficult or
more expensive to obtain credit in the future.

You may also be required to repay the amount outstanding under your loan in full
ahead of the scheduled repayments.

If you fall behind on your repayments we will refer you to our internal team who will
work with you to help you catch up on your missed repayments.

Continued failure to make the repayments could result in legal proceedings

(including, as a last resort, bankruptcy proceedings or sequestration proceedings if
you live in Scotland) being taken against you to recover any amounts outstanding
under the Credit Agreement. If we obtain judgment against you we may seek
to secure this judgment by way of charging order over your home, which might
ultimately result in your home being repossessed, or if you live in Scotland we
may seek to enforce this judgment by way of an action for payment, inhibition,
adjudication or arrestment which can have the effect of freezing and/or seizing
your assets.

We may also need to refer your case to a debt collection agency which will be
responsible for collecting any outstanding repayments from you.
Missing repayments will also mean you are not eligible to sell your Equipment back
to us under our swap equipment programmes.

4. What are my rights?

Your rights include entitlement to: certain pre-contract credit information and
explanations; a copy of the Credit Agreement; annual statements of account; and
a statement of account on request. You also have a right to withdraw from your
Credit Agreement within 14 days, and repay the amount of credit early in full or in
part at any time.

Also, if we choose not to proceed with your application for credit on the basis of
information provided to us by a credit reference agency, we must inform you of this
and give you the details of that credit reference agency.

5. What if I change my mind?

You have the right to withdraw from the Credit Agreement, without giving any
reason, by notifying us within 14 days beginning with the day after:

(a) the day on which the Credit Agreement is made;

(b) the day on which you receive your Equipment; or
(c) the day we give you a signed copy of the Credit Agreement (whichever is later).

You can tell us that you wish to cancel by:

• phone: 03300 41 25 24;

• visit: "Contact Us” section at sky.com and completing the online cancellation form
or using Live Chat to speak to one of our advisors;
• writing to us: at Sky Subscribers Services Limited, PO Box 43, Livingston, West
Lothian, EH54 7DD; or
• email: MDThorndike@sky.uk

If you decide to withdraw from your Credit Agreement we will treat the Credit
Agreement as if it had never been entered into. If you withdraw from the Credit
Agreement and do not return your Equipment to us as a result of exercising your
cancellation rights for your Equipment (which are different to your right to withdraw
from the Credit Agreement), or are outside the cancellation period, you will have to
repay the amount of credit in full to purchase the Equipment outright. You must do
this without delay and, in any event, no later than 30 days after the day you gave us
notice of withdrawal. If do not want to purchase the Equipment and want to return
it to us, you must also exercise your rights to cancel your order under the Sale
contract, take reasonable care of the Equipment and return it to us in accordance
with our instructions.

Your Credit Agreement is made on the day you sign it and we will provide you with
a copy of the executed Credit Agreement.

Questions? Need more information?

You should consider this document, together with the Pre-Contract Credit
Information, the Credit Agreement and the Sale contract carefully and make sure
that you understand them. If you have any questions or if you would like further
information or explanation about your Credit Agreement, or any other document,
you can:
• Chat to one of our online advisors by visiting ‘Contact us’ in My Sky;
• Phone us on 03442 41 41 41. Calls to and from Sky may be recorded or monitored
for training and other purposes; or
• Write to us at Sky Subscribers Services Limited, PO Box 43, Livingston, West
Lothian EH54 7DD.
You will need to provide details of your Credit Agreement when you contact us.
 Pre-Contract Credit Information
1. Contact details

Creditor. Sky UK Limited ("Sky") and Sky Subscribers Services

Limited ("SSSL").

Address. Grant Way, Isleworth, Middlesex, TW7 5QD.

Telephone 03442 41 41 41
number.

Web address. www.sky.com

2. Key features of the credit product

The type of Fixed Sum Loan Agreement to finance the purchase of

credit. goods.

The total amount £1,017.00

of credit.
This means
the amount of
credit to be
provided under
the proposed
credit agreement
or the credit limit.

How and when We will provide the credit stated in the Credit Agreement
credit would be by applying it in full or partial payment of the cash price
provided.
of the Equipment. We will do this when the Equipment
is supplied to you under the Sale contract.
 The duration The Credit Agreement is made on the date you sign
of the credit it and unless terminated earlier in accordance with its
agreement.
terms, the duration is 36 months from the date on which
the first of the repayments is due to be paid.

Repayments. You must make the following repayments at monthly

intervals:
• £29.00 for 24 months.
• £26.75 for 12 months.

The first repayment will be payable on a date set by us

or the date we agree, and will be confirmed to you in
writing.

The total amount Total amount payable: £1,017.00

you will have to (consisting of a total amount of credit of £1,017.00 and
pay.
an upfront payment of £0.00 )
This means the
amount you have
borrowed plus
interest and
other costs.

The proposed Apple iPhone 16 Plus White 128GB. (“Equipment”).

credit will
be linked to
the supply of Total cash price:
specific goods or £1,017.00
the provision of a
service

Description of
goods.

Cash price

3. Costs of the Credit

The rates 0% per annum

of interest
which apply
to the credit
agreement.

Annual 0% APR
Percentage Rate
of Charge (APR).
This is the total
cost expressed
as an annual
percentage of the
total amount of
credit. The APR
is there to help
you compare
different offers.

Related costs

Costs in the case We will not charge you any late payment fee or interest
of late payments. on any late or missed payments under the Credit
Agreement.

Consequences Missing payments could have serious consequences.

of missing
payments.
It could adversely affect your credit records, which may
make it more difficult or more expensive to obtain credit
in the future.

You may also be required to repay the amount

outstanding under your loan in full ahead of the
scheduled repayments.

If you fall behind on your repayments we will refer you

to our internal team who will work with you to help you
catch up on your missed repayments.

Continued failure to make the repayments could result

in legal proceedings (including bankruptcy proceedings,
or sequestration proceedings if you live in Scotland)
being taken against you to recover any amounts
outstanding under the Credit Agreement. If we obtain
 judgment against you we may seek to secure this
judgment by way of charging order over your home,
which might ultimately result in your home being
repossessed, or if you live in Scotland we may seek to
enforce this judgment by way of an action for payment,
inhibition, adjudication or arrestment which can have
the effect of freezing and/or seizing your assets.

We may also use a debt collection agency to recover

what you owe.

Missing payments will also mean you are not eligible

to sell your Equipment back to us under our swap
equipment programmes.

4. Other important legal aspects

Right of You have the right to withdraw from the Credit

withdrawal. Agreement, without giving any reason, by notifying us
within 14 days beginning with the day after:
(a) the day on which the Credit Agreement is made;
(b) the day on which you receive your Equipment; or
(c) the day we give you a signed copy of the Credit
Agreement (whichever is later).

Early repayment. You have a right to repay all or part of the credit early at
any time.

Consultation If we decide not to proceed with your credit application

with a Credit on the basis of information provided to us by a credit
Reference
Agency. reference agency, we will, when informing you of this
decision, let you know this is the reason why we will not
be proceeding with your application and also give you
the contact details of the credit reference agency.

Right to a You have the right, upon request, to receive a copy of

draft credit the draft Credit Agreement free of charge, unless we
agreement.
 are unwilling to proceed to the conclusion of the Credit
Agreement.

The period of This pre-contract information is valid for 14 days from

time during the day on which it is provided to you.
which the
creditor is bound
by the
pre-contractual
information.

5. Additional information in the case of distance marketing of financial services

(a) concerning
the creditor

Registration Sky's FCA Authorisation Number: 712293

number.

The supervisory The Financial Conduct Authority

authority.

(b) concerning
the credit
agreement

The law taken by English

the creditor as
a basis for the
establishment of
relations with
you before
the conclusion
of the credit
agreement.

The law The terms and conditions of the Credit Agreement are
applicable to the governed by English law, unless you live in Scotland
credit agreement
and/or the or Northern Ireland, in which case it will be governed
competent court. by Scots law or Northern Irish law (as applicable). Any
disputes under this Credit Agreement shall be dealt with
by the courts of the country whose law governs your
Credit Agreement, unless you live in Northern Ireland
or Scotland in which case you can choose to bring a
dispute before the courts in your country or the English
courts instead.

Language to All communications that we send you (including the

be used in Credit Agreement and any other terms and conditions)
connection with
the credit will be in English.
agreement.

c) concerning
redress

Access to If you have a complaint, please:

out-of-court
complaint and
redress • phone us on 03442 41 41 41; or
mechanism. • write to us at Sky Subscribers Services Limited, PO
Box 43, Livingston, West Lothian, EH54 7DD; or
• go online to chat to one of our Live Chat advisors by
visiting ‘Contact us’ in My Sky,

We will aim to resolve your complaint as quickly as

possible. If you're still not happy you have the right
to refer your complaint to the Financial Ombudsman
Service, Exchange Tower, London E14 9SR. Their
telephone number is 0207 964 1000, website is
www.financial-ombudsman.org.uk/ and email address
is complaint.info@financial-ombudsman.org.uk.
 Fixed Sum Loan Agreement regulated by the
Consumer Credit Act 1974 (“Credit Agreement”)
1. Parties to this Credit Agreement

Lenders: Sky UK Limited (company number 02906991, FCA

Authorisation Number: 712293) (“Sky”) and Sky
Subscribers Services Limited (company number
02340150) (“SSSL”) both of Grant Way, Isleworth,
Middlesex, TW7 5QD (in this Credit Agreement, “we”,
“our” and “us” are references to Sky and other members
of the Sky group).

Sky and SSSL will be jointly and severally liable to you

under this Credit Agreement.

Borrower/Customer: Alan Bigsby of 4 Burford Close, ,

Marlow, Buckinghamshire, SL7 3NE, GBR and
abigsby1965@outlook.com (“you”)

1.1 This Credit Agreement is entered into between us and you to finance the
purchase of goods or services from us (the credit cannot be used for any other
purpose). Capitalised terms not defined in this Credit Agreement are defined in
your contract for the purchase of goods or services using the credit we provide
(“Sale Contract”).

1.2 To be entitled to credit from us you must enter into the Sale Contract at the
same time as entering this Credit Agreement.

2. Description of Goods purchased

2.1 The credit will be provided to you to finance your purchase of the following
goods from us:

Goods/Equipment Apple iPhone 16 Plus White 128GB (“Equipment”)

2.2 We will provide the credit stated in this Credit Agreement by applying it in
full or partial payment of the cash price of the Equipment. We will do this when the
Equipment is supplied to you under the Sale contract.

2.3 If the Equipment we supply is damaged or faulty, you may be entitled to a

remedy from us. See the Sale contract for more details.

2.4 We may lock your Equipment where we receive your instructions to do so

or we reasonably suspect fraud.

3. Key financial details (amount of credit and repayments)

3.1 The following key terms apply to this Credit Agreement:

Total cash price £1,017.00

(the amount that
you would have
to pay to buy
the Equipment
without credit):

Upfront You have made an upfront payment for the Equipment

Payment: of £0.00.

Total amount of The total amount of credit is £1,017.00.

credit:

Interest: 0% per annum

Annual 0%
Percentage Rate The total amount payable under this Credit Agreement
of Charge
(“APR”): in order to finance the purchase of the Equipment is not
greater than the total cash price of the Equipment.

Total amount you £1,017.00 (total amount of credit + upfront payment)

will have to pay:
 Your You must make the following repayments at monthly
repayments: intervals:

• £29.00 for 24 months. (“Repayments”)

followed by
• £26.75 for 12 months,

The first Repayment will be payable on a date set by us

or the date we agree, and will be confirmed in writing.
During the term of this Credit Agreement the repayment
date may be changed as agreed between you and us.

Charges for late We will not charge you any late payment fee or interest
payments and on any late or missed payments under this Credit
other costs or
charges: Agreement.

4. Duration of this Credit Agreement

4.1 This Credit Agreement is made on the date you sign it and, unless terminated
earlier in accordance with its terms, the duration is 36 months from the date on
which the first Repayment is due to be paid.

4.2 This Credit Agreement will automatically end when all the amounts you are
required to pay under it have been paid in full or on earlier full repayment.

5. Right of withdrawal ("cooling off")

5.1 You have the right to withdraw from this Credit Agreement, without giving
any reason, any time up to 14 days from the day after:
a) the day on which this Credit Agreement is made;
b) the day you receive the Equipment; or
c) the day we give you a signed copy of this Credit Agreement (whichever is later).

If you do not exercise your right to withdraw, this Credit Agreement will remain in
full force and effect and its terms and conditions will bind you.
5.2 If you decide to withdraw from this Credit Agreement, we will treat the Credit
Agreement as if it had never been entered into. However, this does not affect your
agreement to purchase the Equipment under the Sale Contract – please see the
Sale Contract for details of your rights to cancel your purchase in your cancellation
period.

5.3 Any withdrawal from this Credit Agreement must be in accordance with this
condition 5.3. You can give us notice of withdrawal (and provide details of this
Credit Agreement) by contacting us by:
a) Phone: 03300 41 25 24;
b) Writing to us: Sky Subscribers Services Limited, PO Box 43, Livingston, West
Lothian EH54 7DD;
c) Email: MDThorndike@sky.uk or
d) Visiting “Contact Us” in My Sky at sky.com and completing the online cancellation
form, or using Live Chat to speak to one of our advisors.

5.4 If you withdraw from this Credit Agreement and do not return your Equipment
to us as a result of exercising your cancellation rights for your Equipment, or are
outside the cancellation period for your Equipment, you will have to repay the total
amount of credit outstanding in full to pay for the Equipment outright. You must do
this without delay and, in any event, no later than 30 days after the day you gave
us notice of withdrawal. To make this payment, please call us on the number above
and make payment using either a debit or credit card.

5.5 If you do not want to keep the Equipment and you exercise your rights to
cancel your order for the Equipment under the Sale Contract this Credit Agreement
will automatically terminate. You must take reasonable care of the Equipment and
return it to us in accordance with our instructions. See the Sale Contract for more
details.

6. Statement of account
6.1 You have a right under section 77B of the Consumer Credit Act 1974 to
receive a statement of account on request, free of charge, at any time during the
period of this Credit Agreement. This will show the amount of each Repayment still
owing under this Credit Agreement at the time of your request, the date on which
each Repayment is due, any conditions relating to its payment and a breakdown of
each Repayment showing how much comprises capital and any other charges. At
the same time as giving you this statement, Sky will also tell you how much you
have paid under this Credit Agreement at the time of your request.

6.2 We will not have to comply with a request for a statement of account if you
requested such a statement less than one month before and we complied with that
request.

7. Consequences of missing payments

7.1 Missing Repayments due under this Credit Agreement could have severe
consequences - see condition 14 below for more details. You may have to repay
early what you owe us and we may take legal proceedings against you to recover
any amounts outstanding under this Credit Agreement. We exchange information
on your payment performance under this Credit Agreement with credit reference
agencies on an ongoing basis so it could also have adverse effects to your credit
rating, which may make it more difficult or expensive for you to get credit in the
future. It will also mean you are not eligible to sell your Equipment back to us under
our Swap equipment upgrade programmes.

7.2 If we obtain judgement against you we may seek to secure this judgement by
way of charging order over your home, which might ultimately result in your home
being repossessed, or if you live in Scotland, an action for payment, adjudication,
inhibition, arrestment or sequestration.

8. Your right of recovery

The credit is provided under this Credit Agreement to finance the purchase of the
Equipment by you. If the Equipment is not supplied by us or does not conform to
the Sale Contract you have the right to seek redress from us. See the Sale Contract
for more details.

9. Early repayment
9.1 You have the right to repay this Credit Agreement early, in full or in part,
at any time. You must give us notice by phone or in writing that you would like to
make an early repayment - please see ‘How to get in touch with Sky’ below for our
contact details.

9.2 If you are making full early repayment, you must pay to us all the amounts
payable under this Credit Agreement.
9.3 If you are repaying this Credit Agreement early in part, you must make the
partial repayment before the end of the period of 28 days beginning with the day
following the day we receive your notice, or on or before any later date specified in
your notice.

9.4 Any early repayment (whether in full or in part) must be made by phone -
please see ‘How to get in touch with Sky’ below for our contact details.

9.5 If you repay part of the credit earlier than the date it is due, we will
apply the early repayment to the last Repayments you agreed to make until the
early repayment has been exhausted. This means that the duration of this Credit
Agreement will be shorter but the amount of any monthly Repayments remaining
will stay the same.

10. How to get in touch with Sky (including if you have a complaint or dispute)
10.1 If you need to get in touch you can:
a) chat to one of our online advisors by visiting ‘Contact us’ in My Sky;
b) phone us on 03442 41 41 41. Calls to and from Sky may be recorded or
monitored for training and other purposes; or
c) write to us at Sky Subscribers Services Limited, PO Box 43, Livingston,
West Lothian EH54 7DD. If you are writing to us to about applying for a ‘Time
Order’ please also send a copy to Sky UK Limited - Legal Department, Grant
Way, Isleworth, Middlesex TW7 5QD.
You will need to provide details of your Credit Agreement when you contact us.

10.2 We are committed to providing you with the best possible products and
services, but we understand that sometimes things do go wrong. In the unfortunate
circumstance that you have a complaint please get in touch with us straight away
using the details above (please mark any letter you send us for the attention of
‘Customer Complaints’).

10.3 If you'd like to find out more about how we deal with your complaints
and options for alternative dispute resolution, read our 'Complaints Code of
Practice' which you will find by visiting ‘Complaints’ in My Sky or by going to
sky.com/help/articles/sky-customer-complaints-code-of-practice.
10.4 Alternative dispute resolution services for Sky Mobile customers entering
this Credit Agreement are provided by the Financial Ombudsman Service (see
condition 10.5 below).

10.5 You also have the right to complain to the Financial Ombudsman Service:
a) Write to them: Exchange Tower, London E14 9SR
b) Call them: 0800 023 4567
c) Go to their website: www.financial-ombudsman.org.uk/
d) Email them: complaint.info@financial-ombudsman.org.uk

11. Supervisory Authority

11.1 The supervisory authority for this Credit Agreement under the Consumer
Credit Act 1974 is the Financial Conduct Authority, 12 Endeavour Square, London
E20 1JN.

12. Repayments under the Credit Agreement

12.1 You must repay the amount of credit set out in condition 3 above (‘Key
financial details (amount of credit and repayments)’) by monthly Repayments in
accordance with the repayment schedule we have agreed (also set out in condition
3 above).

12.2 Unless we agree otherwise, you must have a continuous payment method
set up with us at all times (for example, direct debit), which we will use to take your
Repayments on or around the date we agreed.

12.3 If you do not make the Repayments when they are due we will consider this
a serious breach of this Credit Agreement and may terminate it by giving you the
required statutory default notice in writing. Please let us know as soon as possible
if you are having problems making your Repayments or think there is a mistake in
the Repayment amounts notified to you so that we can check this.

12.4 We will not charge you any late payment fee or any interest on any
Repayment made late under this Credit Agreement.

12.5 Your obligation to make Repayments under this Credit Agreement is not
dependent on us providing any goods or services other than the Equipment listed
above.
12.6 Unless you have asked us to apply them towards repaying your credit
early (in full or in part) under condition 9 above, you acknowledge that any one-off
payments you make to us will be applied first to amounts outstanding under the
contract you have with Sky for which fees or interest will be charged for late
payment and for which the amounts have been owing to Sky for the longest period
of time. If two amounts have been outstanding for the same length of time and no
fees or interest for late payment are charged for either, any payments you make will
be used to repay the credit under this Credit Agreement first (with any remaining
amounts being applied towards your other Sky contract).

12.7 If you take other products and services from us (for example, Sky TV or Sky
Broadband), we will not take any action to terminate or restrict those products or
services if you do not make the Repayments when they are due even if the contract
for any such other products or services says otherwise.

13. Your right to end the Credit Agreement

You can end this Credit Agreement in a number of ways:

a) by exercising your right to withdraw from the Credit Agreement or the Sale
Contract as described under condition 5 above;
b) by exercising your right to repay all or part of the credit under the Credit
Agreement early as described under condition 9 above.

14. Ending the Credit Agreement (including on default)

14.1 In addition to the consequences if you miss payments under the Credit
Agreement (see conditions 7 and 12 above), we may end the Credit Agreement
and require you to immediately repay the credit outstanding (whether or not due for
payment at that time) and any other charges which are due, by giving any required
statutory notice in writing, if you:
(a) fail to pay us a Repayment on the date it is due or within 7 days of the due date;
(b) break any of the conditions of the Credit Agreement in any other material way;
(c) break any condition of the Sale contract in any material way;
(d) (in the case of a breach which can be remedied) do not remedy a breach under
conditions 14.1(a) – (c) above within the period specified in a default or similar
notice we send you;
(e) or anyone you authorise to deal with your Sky account acts in a way towards our
staff or agents which we reasonably consider to be inappropriate and sufficiently
serious to justify ending your Credit Agreement;
(f) become bankrupt or unable to pay your debts or if an interim order in bankruptcy
is presented or made (or, if you live in Scotland, entered into), or you become
apparently insolvent, have a proposal for a voluntary arrangement made in relation
to you or (if you live in Scotland) you become sequestrated or have a trustee in
sequestration appointed or a grant of trust deed for the benefit of your creditors is
presented or made; or
(g) have provided unauthorised payment or other details or we have reasonable
grounds to suspect fraud, attempted fraud or any other unauthorised activity.

14.2 If we end the Credit Agreement under conditions 14.1 above it shall not
affect your obligation to repay any outstanding balance due to us but will result in
you having to repay this to us sooner than agreed in condition 3.1.

15. Changes to this Credit Agreement (including replacing your Equipment)

15.1 We may change or add to any of the conditions in the Further Terms
and Conditions section of this Credit Agreement to make them clearer or easier to
understand or to reflect changes in law or regulation.

15.2 We may also change or add to any of the conditions in the Further Terms
and Conditions section of this Credit Agreement to update our contracts from time
to time so all our customers are on the same conditions.

15.3 We will notify you in writing via a notice of variation (“NOV”) at least 31 days
before any changes or additions to these conditions come into effect unless we
are required to make changes or additions immediately for valid legal or regulatory
reasons in which case we will give you as much notice as reasonably possible.

15.4 If you change your Equipment by exercising your cooling off rights or
your Equipment is replaced under the Sale Contract (for example, we replace
your Equipment because it is faulty or defective) but the same Equipment is not
reasonably available and your amount of credit and monthly Repayments stay the
same, the replacement Equipment we supply will be at least equivalent to the
original Equipment. We may record this amendment by issuing a NOV and this
Credit Agreement will be deemed amended accordingly.
16. Notices
16.1 Unless otherwise agreed, you must provide us with an email address which
we may use to keep you updated about your Credit Agreement. You should check
your email account regularly. We will treat notices sent to your email address as
effective even if you don’t access your email account or you become disconnected
from it.

16.2 All contact and account details you provide us must be accurate and kept
up to date.

16.3 Where we are required to provide you with statutory notices in paper
form, we will do so by sending such notices to your address as shown above or
such other address as you have notified to us being the address of your principal
residence.

16.4 Where we are required to give you a document under the Consumer Credit
Act 1974 we will do this by letter, or by email to the email address shown above
by setting out the contents of the document within the body of that notice in the
email in html form, or by sending it by PDF to your Message Centre (we’ll alert you
by email or SMS if a notice has been added). If you are a Sky TV customer, the
Message Centre may also be available via your Sky TV service.

16.5 In all other cases where we are required under this Credit Agreement
to give you notice in writing, we will give you this notice by:
a) Letter, email or SMS; or
b) Where appropriate, via a message in the Message Centre (we’ll alert you by
email or SMS if a notice has been added) or elsewhere in the area within our online
customer account on sky.com, such as My Sky, or on your monthly bill.
A written notice may refer you to other widely available (written or non-written)
means for specific details or further information (for example, a free phone
number). In all other cases where we are required to give you notice, we may give
you notice in writing or we’ll notify you using another appropriate method including
during a phone call, on sky.com or, if you are also a Sky TV customer, on the Sky
information channel the Sky TV box tunes to when it is turned on.

16.6 If a notice given in writing is sent with any other document the notice will
be clearly marked and, if sent by post, on a separate sheet of paper.
16.7 Any notice you give us (other than where you are exercising your right to
cancel during your cooling-off period, for which see ‘Right of withdrawal’ above, or
you are exercising your right to repay this Credit Agreement early in full or in part,
for which see condition 9.1 above) must be given by phone (03442 41 44 14) or
by using one of our online messaging options on sky.com. Notice given by these
means will be processed immediately. You can also write to us (Sky Subscribers
Services Limited, PO Box 43, Livingston, West Lothian, EH54 7DD) or e-mail
us via mysky@sky.uk. If notice is given by these means we may need to verify
account information before the notice is effective (and once verified the notice
will be effective from the date of the original notice). We will acknowledge written
notices by return letter or email and will contact you separately if we need to verify
any account information.

16.8 Where you are required to give us a specific period of notice we may agree
to a longer period of notice from you but we can refuse this where reasonable to
do so (for example where a longer period would be complicated to administer).

17. General
17.1 If we don’t exercise a right we have under this Credit Agreement, it does
not mean that we have waived this right.

17.2 If any provision of this Credit Agreement is found to be invalid or

unenforceable, the remaining conditions will continue to apply.

17.3 Sky and SSSL can transfer our rights and obligations under this Credit
Agreement, and disclose your account information, to any member of the Sky
group of companies or any other company, firm or person either as a variation
to this Credit Agreement or as a new contract provided in either case this does
not affect your rights under this Credit Agreement in a negative way. Where a new
contract will be entered into this will become effective 31 days after we notify you
in writing of the transfer.

17.4 Sky and SSSL can assign or transfer our rights under this Credit
Agreement, and disclose your account information, to any member of the Sky
group of companies or any other company, firm or person provided that this does
not affect your rights under this Credit Agreement in a negative way.
17.5 This Credit Agreement is personal to you. You may not transfer your rights or
obligations under this Credit Agreement to anyone else unless we agree otherwise,
and no third party is entitled to benefit under this Credit Agreement except pursuant
to condition 17.3 and 17.4 above.

17.6 The Credit Agreement is governed by English law, unless you live in
Scotland or Northern Ireland, in which case it will be governed by Scots law or
Northern Irish law (as applicable). Any disputes under this Credit Agreement
shall be dealt with by the courts of the country whose law governs your Credit
Agreement, unless you live in Northern Ireland or Scotland in which case you can
choose to bring a dispute before the courts in your country or the English courts
instead. We will only communicate with you in English in relation to this Credit
Agreement.
It is important that you have read and understood this Credit Agreement
(including the terms and conditions set out above) before you sign this Credit
Agreement. If you are unsure or have any questions about any aspect of this
Credit Agreement (including the terms and conditions) please contact us or
seek independent advice.