Common use of Additional Cardholders Clause in Contracts

Additional Cardholders. At the request of the Principal Cardholder we may issue additional Cards, together with a separate PIN, for use by any person nominated by the Principal Cardholder as an Additional Cardholder on his/her Account. The Principal Cardholder must ensure that Additional Cardholders comply with these Conditions. Additional Cardholders will be furnished with a copy of these Conditions and will be bound to observe these Conditions to the extent that they apply or are relevant. The Principal Cardholder is and remains at all times, primarily responsible for all Transactions for which the additional Card and PIN is used, including those charged to the Account after the additional Card has been returned to us and irrespective of whether the Transactions are effected in breach of these Conditions or whether the Transactions are related 22. to the business of the Principal Cardholder or not. We will cancel any additional Card at any time if the Principal Cardholder requests this by contacting us in accordance with the ‘Contacting us’ section, in which case the additional Card, cut in two (through the signature box, magnetic strip and Chip) for security reasons, must be returned to us. Our contact details are set out in the “Contacting us” section of these Conditions. By entering into this Agreement, the Principal Cardholder gives us the authority to pass on information about the Account or Transactions, in so far as they relate to the Additional Cardholder, to that Additional Cardholder by electronic or other means. By accepting an additional Card an Additional Cardholder authorises us to pass on information about Transactions effected by use of the additional Card to the Principal Cardholder by electronic or other means. However, no amendments to the Account details or variation of the Credit Limit will be accepted from an Additional Cardholder.

Additional Cardholders. At The Primary Cardholder may request the request addition or removal of additional users (“Additional Cardholders”) from the Principal Account from time to time. An Additional Cardholder is an individual to whom we may issue additional Cardshave issued a Card on your Account at your request. A maximum of three (3) Additional Cardholders are permitted per Account. Subject to section 18 of this Agreement, together with Additional Cardholders have the same ability to charge transactions to the Account but they have no responsibility to us for any Debt. The Primary Cardholder is liable for all transactions made on the Account and the interest, fees and losses incurred as a separate PINresult of any transactions, for use including those made by Additional Cardholders in any person nominated by the Principal Cardholder as manner whatsoever. If an Additional Cardholder is liable to you for any amounts owing on his/her your Account, you must make your own arrangements with that Additional Cardholder for repayment. An Additional Cardholder is not considered to be a borrower under the Account. Additional Cardholders’ Cards and PINs will be mailed to the Primary Cardholder’s address. This Agreement, the Disclosure Statement, and the Account Documents are required to be provided only to the Primary Cardholder. It is your responsibility to make sure that each Additional Cardholder receives a copy of this Agreement and any replacements or amendments to this Agreement, as well as any notices that affect the use of a Card or your Account. The Principal Primary Cardholder must ensure that is responsible for ensuring the Additional Cardholders comply with these Conditionsthe applicable terms and conditions of this Agreement and with any other terms applicable to the Account and related services. You agree that the Bank reserves the right to perform adequate verification, at intervals decided by and at its discretion, on all Additional Cardholders on the Account. We may provide Additional Cardholders with access to information about their transactions on your Account and certain other Account information including, but not limited to, the current Credit Limit. Please note that Additional Cardholders will not be furnished able to access the Account through online banking. By signing, using or activating a Card in his or her name, the Additional Cardholder agrees to be bound by all of the terms and conditions of this Agreement except that an Additional Cardholder will not be responsible to us for the payment of any amounts owing in respect of purchases, Cash Advances, fees or interest on the Account. Without limiting the general obligation of the Additional Cardholder to comply with a copy of these Conditions this Agreement, an Additional Cardholder agrees, among other things, that: • the Card issued to him or her will not be used if it has expired; • the Card issued to him or her is for his or her use exclusively and will not be bound used, nor will his or her use be directed by, any other person; • the Card issued to observe these Conditions him or her will not be used for any illegal, improper or unlawful purpose; • the Card issued to the extent that they apply him or are relevant. The Principal Cardholder is and remains at her will not be used for any business purposes; • all times, primarily responsible for all Transactions for which the additional Card and PIN is usedsecurity requirements, including those charged designed to protect PINs or other security codes will be complied with; • the Account after the additional Additional Cardholder will report to us immediately if he or she suspects that his or her Card has been returned to us and irrespective of whether lost or that the Transactions are effected in breach of these Conditions or whether the Transactions are related 22. to the business security of the Principal card, i.e PIN, has been compromised in any way. In addition, the Additional Cardholder or not. We will cancel any additional Card at any time if agrees to permit the Principal Cardholder requests this by contacting us in accordance with the ‘Contacting us’ sectioncollection, in which case the additional Card, cut in two (through the signature box, magnetic strip use and Chip) for security reasons, must be returned to us. Our contact details are disclosure of personal information as set out in the “Contacting us” section of these Conditions. By entering into this Agreement, the Principal Cardholder gives us the authority to pass on information about the Account or Transactions, in so far as they relate to the Additional Cardholder, to that Additional Cardholder by electronic or other means. By accepting an additional Card an Additional Cardholder authorises us to pass on information about Transactions effected by use of the additional Card to the Principal Cardholder by electronic or other means. However, no amendments to the Account details or variation of the Credit Limit will be accepted from an Additional CardholderPrivacy Policy.

Additional Cardholders. At The Primary Cardholder may request the request addition or removal of additional users (“Additional Cardholders”) from the Principal Account from time to time. An Additional Cardholder is an individual to whom we may issue additional Cardshave issued a Card on your Ac- count at your request. A maximum of three (3) Additional Cardholders are permitted per Account. Subject to section 18 of this Agreement, together with Additional Cardholders have the same ability to charge transactions to the Account (other than Special Purchase Plans) but they have no responsibility to us for any Debt. The Primary Cardholder is liable for all transactions made on the Account and the interest, fees and losses incurred as a separate PINresult of any transactions, for use including those made by Additional Cardholders in any person nominated by the Principal Cardholder as manner whatsoever. If an Additional Cardholder is liable to you for any amounts owing on his/her your Account, you must make your own arrangements with that Additional Cardholder for repayment. An Additional Cardholder is not con- sidered to be a borrower under the Account and cannot use the Card or Account to make a purchase through a Special Purchase Plan. Additional Cardholders’ Cards and PINs will be mailed to the Primary Cardholder’s address. This Agree- ment, the Disclosure Statement, and the Account Documents are required to be provided only to the Primary Cardholder. It is your re- sponsibility to make sure that each Additional Cardholder receives a copy of this Agreement and any re- placements or amendments to this Agreement, as well as any notices that affect the use of a Card or your Account. The Principal Primary Cardholder must ensure that is responsible for ensuring the Additional Cardholders comply with these Conditionsthe applicable terms and conditions of this Agreement and with any oth- er terms applicable to the Account and related services. You agree that the Bank reserves the right to perform adequate veri- fication, at intervals decided by and at its discretion, on all Additional Cardholders on the Account. We may provide Additional Cardholders with access to information about their transactions on your Account and certain other Account informa- tion including, but not limited to, the current Credit Limit. Please note that Additional Cardholders will not be furnished with able to access the Ac- count through online banking. By signing, using or activating a copy Card in his or her name, the Additional Cardholder agrees to be bound by all of these Conditions the terms and con- ditions of this Agreement except that an Additional Cardholder will not be responsible to us for the payment of any amounts owing in respect of purchases, Cash Advances, fees or interest on the Account and will not be bound able to observe these Conditions use the Card or Account to make a purchase through a Special Purchase Plan. Without limiting the extent that they apply general obligation of the Additional Cardholder to comply with this Agreement, an Additional Cardholder agrees, among other things, that: • the Card issued to him or are relevant. The Principal Cardholder her will not be used if it has expired; • the Card issued to him or her is for his or her use exclusively and remains at all times, primarily responsible for all Transactions for which the additional Card and PIN is will not be used, including nor will his or her use be directed by, any other person; • the Card issued to him or her will not be used for any illegal, improper or unlawful purpose; • the Card issued to him or her will not be used for any business purposes; • all security requirements, includ- ing those charged designed to protect PINs or other security codes will be complied with; • the Account after the additional Additional Cardholder will report to us immediately if he or she suspects that his or her Card has been returned to us and irrespective of whether lost or that the Transactions are effected in breach of these Conditions or whether the Transactions are related 22. to the business security of the Principal Cardholder or not. We will cancel any additional Card at any time if the Principal Cardholder requests this by contacting us in accordance with the ‘Contacting us’ section, in which case the additional Card, cut i.e. PIN, has been compromised in two (through any way. In addition, the signature boxAdditional Cardhold- er agrees to permit the collection, magnetic strip use and Chip) for security reasons, must be returned to us. Our contact details are disclosure of personal information as set out in the “Contacting us” section of these Conditions. By entering into this Agreement, the Principal Cardholder gives us the authority to pass on information about the Account or Transactions, in so far as they relate to the Additional Cardholder, to that Additional Cardholder by electronic or other means. By accepting an additional Card an Additional Cardholder authorises us to pass on information about Transactions effected by use of the additional Card to the Principal Cardholder by electronic or other means. However, no amendments to the Account details or variation of the Credit Limit will be accepted from an Additional CardholderPrivacy Policy.