Common use of Telephone Monitoring Clause in Contracts

Telephone Monitoring. To ensure a commitment to customer service, on occasion calls to us or preferred suppliers may be monitored or recorded for training and quality control purposes. All calls to us are treated confidentially. Sharing Customer Information with Affiliates. We share information about you on a confidential basis with entities related to us or affiliated with us by corporate control (“Affiliates”). Other information you provide to us or that we obtain from third parties (for example, credit bureaus) will not be shared if you notify us that you do not want such information shared with our Affiliates. Customer Privacy. We will safeguard, according to standards of security and confidentiality consistent with industry practices, any information you share with us. We will limit the collection and use of any such information to the minimum we require in order to deliver you superior service, which includes advising you about our products, services, and other opportunities, and to administer our business. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance. Waiver. We may, at our option, choose to delay enforcing or waive any of our rights under this Agreement in certain circumstances without affecting any of our other rights. Changing this Agreement. We can change any provision of this Agreement, including fees and the annual percentage rate, at any time. If you do not agree to the change, you must notify us in writing within 25 days after the effective date of the change and pay us the full balance due by the date shown on your statement. Otherwise, the change in the notice is binding. Unless we notify you otherwise, use of the Account after the effective date of the change shall be deemed acceptance of the new terms, even if the 25 days have not expired. A CHANGE IN THE ANNUAL PERCENTAGE RATE IS NOT CONSIDERED A CHANGE IN THIS AGREEMENT. Entire Agreement. This Agreement, any enrollment agreement, and any Account mailer we send to the Company or any Authorized Accountholders reflect the entire understanding between you and us concerning the subject matter hereof. If there is a conflict between those documents, the terms of this Agreement shall control. Any representation, promise, modification, or amendment to this Agreement shall not be binding upon us unless in writing and signed by us. If any provision of this Agreement is finally determined to be unenforceable under any law, rule, or regulation, all other provisions of this Agreement shall remain valid and enforceable to the extent necessary to carry out the intent of the parties.

Telephone Monitoring. To ensure a commitment to customer service, on occasion calls to us or preferred suppliers may be monitored or recorded for training and quality control purposes. All calls to us are treated confidentially. Sharing Customer Information with Affiliates. We share information about you on a confidential basis with entities related to us or affiliated with us by corporate control (“Affiliates”). Other information you provide to us or that we obtain from third parties (for example, credit bureaus) will not be shared if you notify us that you do not want such information shared with our Affiliates. Customer Privacy. We will safeguard, according to standards of security and confidentiality consistent with industry practices, any information you share with us. We will limit the collection and use of any such information to the minimum we require in order to deliver you superior service, which includes advising you about our products, services, and other opportunities, and to administer our business. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance. You hereby expressly consent and authorize us to communicate with you via electronic communication. You may withdraw your consent to receiving electronic communication at any time and at no charge, by notifying us as noted below Waiver. We may, at our option, choose to delay enforcing or waive any of our rights under this Agreement in certain circumstances without affecting any of our other rights. Changing this Agreement. We can change any provision of this Agreement, including fees and the annual percentage rate, at any time. If you do not agree to the change, you must notify us in writing within 25 days after the effective date of the change and pay us the full balance due by the date shown on your statement. Otherwise, the change in the notice is binding. Unless we notify you otherwise, use of the Account after the effective date of the change shall be deemed acceptance of the new terms, even if the 25 days have not expired. A CHANGE IN THE ANNUAL PERCENTAGE RATE IS NOT CONSIDERED A CHANGE IN THIS AGREEMENT. Entire Agreement. This Agreement, any enrollment agreement, and any Account mailer we send to the Company or any Authorized Accountholders reflect the entire understanding between you and us concerning the subject matter hereof. If there is a conflict between those documents, the terms of this Agreement shall control. Any representation, promise, modification, or amendment to this Agreement shall not be binding upon us unless in writing and signed by us. If any provision of this Agreement is finally determined to be unenforceable under any law, rule, or regulation, all other provisions of this Agreement shall remain valid and enforceable to the extent necessary to carry out the intent of the parties. Choice of Law. This Agreement shall be construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without reference to the choice of law rules of the Province of Ontario.

Telephone Monitoring. To ensure a commitment We may listen to customer service, on occasion and record your telephone calls to us or preferred suppliers may be monitored or recorded for training and quality control purposes. All calls to us are treated confidentially. Sharing Customer Information with Affiliates. We share information about you on a confidential basis with entities related to us or affiliated with us by corporate control (“Affiliates”). Other information you provide to us or that we obtain from third parties (for example, credit bureaus) will not be shared if you notify us that you do not want such information shared with our Affiliates. Customer Privacy. We will safeguard, according to standards of security and confidentiality consistent with industry practices, any information you share with us. Credit Information We will limit the collection may obtain and use of any such information to the minimum we require in order to deliver you superior service, which includes advising you about our products, services, review your credit history from credit reporting agencies and other opportunities, and to administer our business. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance. Waiverothers. We may, at our optionfrom time to time, choose obtain employment and income data from third parties to delay enforcing assist us in the ongoing administration and review of your Account. We may also provide information about you and your Account to credit reporting agencies and others. Late payments, missed payments, or waive any other defaults on your Account may be reflected in your credit report. We may provide information to credit reporting agencies about this Account in the name of our rights under an authorized user. If you think we may have provided incorrect information, contact us and we will investigate. Enforcement We may enforce the terms of this Agreement in certain circumstances without affecting any of our other rights. Changing this Agreement. We can change any provision of this Agreement, including fees and the annual percentage rate, at any time. If you we choose, we may do not agree to the change, you must notify us in writing within 25 days after the effective date any of the change following without notice to you and pay us without affecting your liability under this Agreement: 1) extend the full balance due by the date shown on your statement. Otherwisetime for payment, the change in the notice is binding. Unless we notify you otherwise2) waive or delay enforcing any of our rights without losing those rights, use of the Account after the effective date of the change shall be deemed acceptance of the new terms, even if the 25 days have not expired. A CHANGE IN THE ANNUAL PERCENTAGE RATE IS NOT CONSIDERED A CHANGE IN THIS AGREEMENT. Entire Agreement. This 3) release or excuse any Cardmember or guarantor from any obligations under this Agreement, or 4) release or surrender any enrollment agreementcollateral, and all without losing our rights against any Account mailer we send to the Company or any Authorized Accountholders reflect the entire understanding between you and us concerning the subject matter hereofperson. If there is a conflict between those documents, the any terms of this Agreement shall controlare found to be unenforceable for any reason, we may still enforce the other terms. Any representationSecurity Interest If you have other loans with us or take out other loans with us in the future, promisecollateral securing those other loans will also secure your obligations to us under this Agreement. However, modification, or amendment to this Agreement shall not be binding upon us unless you expressly agree otherwise in writing and signed we give you any additional disclosures required by us. If any provision of applicable law and regulation, your household goods and your primary dwelling will not secure your obligations under this Agreement is finally determined even if we have or obtain later a security interest in the household goods or a mortgage or security interest on the dwelling. Also, we waive any rights we may have to be unenforceable offset any amounts you owe us under this Agreement against any law, rulefunds you may have on deposit with us unless we first obtain a judgment against you for what you owe, or regulation, all other provisions of this Agreement shall remain valid and enforceable unless we have a consensual security interest in such funds or obtain or enforce a court order relating to the extent necessary to carry out such funds. Governing Law This Agreement and your Account will be governed by applicable federal laws and the intent laws of the partiesState of Mississippi, and those laws will apply no matter where you live or use this Account.