Common use of Use of the Card Clause in Contracts

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those charges.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; include a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including, but not limited to Bitcoin, or (f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFees (as described below), if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional CardholdersAccount. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to take reasonable steps to prevent the unauthorized use of any Card, Convenience Checks and your Account. You agree to sign the Card immediately when you receive it. You agree to use the Account (including any Card and Convenience Checks) only for legal purchases of goods and servicesservices and not to use the Account, Cards and/or Convenience Checks for any unlawful purposes, including the purchase of goods or services prohibited by applicable laws or regulations. You expressly agree that Cards may not be used for gambling or wagering purposes, whether on the internet online or otherwise, even if it otherwise permitted by applicable law. If you or any Authorized Users do use your Card Cards for unlawful purposes, including, without limitation, illegal internet gambling, and /or for any purposes or gamblingwhich we do not permit, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. You must immediately return the Card to us or destroy it if we ask you to. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsapplicable Card. We reserve the right to deny authorization for any requested ChargeCharge even if the transaction would not cause you to exceed your credit limit or your Account is not in default. All Purchases You agree to use your Account for personal, family or household purposes and not to use your Account for business or commercial purposes. We are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller losses you may incur if we do not authorize a requested Charge or Cash Advancing Financial Institution if anyone refuses to honor the Cards accept your Card or any Related CardConvenience Check for any reason. You may obtain Cash Advances and Balance Transfers as permitted for your Account as described in this Agreement, but you may not use these to pay any amount you owe us or any of our affiliates or agents. We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control. Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Failure to do so may result in the suspension of charging privileges on your Account. You also agree to provide us with any information required by law or regulation, including information that may be required under the USA Patriot Act. Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any refund, adjustment or credit allowed by Seller shall not such transfer will be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankvoid. ADDITIONAL CARDSAdditional Cards: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card Cards may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders Authorized Users in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders Authorized Users for payment of their own charges Charges if you fail to pay those chargesCharges. If you want to end an Authorized User’s privilege to use your Account, you must recover and destroy that person’s Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to cancel that person’s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report the Card as lost or stolen. You agree to notify each Authorized User that they are subject to all applicable sections of this Agreement. Credit Limit: The Credit Limit is the maximum amount of credit available on your Account. We have provided you a separate written notice stating the applicable credit limit(s) on your Account. In addition, your monthly statements will show the amount of credit available to you for Purchases, Balance Transfers and Cash Advances and the ANNUAL PERCENTAGE RATES (APRs) for Purchases, Balance Transfers and Cash Advances, as of the monthly statement date. You agree not to use the Account in any way that would make the unpaid balance of your Account exceed the applicable credit limit. We are not obligated to honor any Card transaction that would cause the unpaid balance of your Account to exceed applicable credit limits (“Over Limit Transactions”). However, if we, in our discretion, honor any Over Limit Transaction, you agree to promptly pay the amount more than the applicable credit limit. At our discretion, and subject to applicable law, we may increase, reduce your Credit Limit or the Balance Transfer or Cash Advance portions of your Credit Limit or cancel your Credit Limit, at any time. A change to your Credit Limit or any portion thereof does not affect your obligation to pay us. Promotional Offers: At our discretion, we may offer you a promotional ANNUAL PERCENTAGE RATE for all or a part of any balances or for certain types of transactions. The period of time for which the promotional rate applies may be limited. Any applicable promotional rate, the corresponding periodic rates, and the period of time during which it will be in effect will appear on the Account Opening Disclosure or be included on a promotional letter. Any promotional rate offer will be subject to the terms of the offer and this Agreement.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those charges.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and ) to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including, but not limited to Bitcoin, or f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFee, if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you Account. You agree to notify us at once if the Card or any Additional CardholdersConvenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to take reasonable steps to prevent the unauthorized use of any Card, Convenience Checks and your Account. You agree to sign the Card immediately when you receive it. You agree that any use of the Card by an Authorized User, or by another with your knowledge or consent is authorized use. You agree to notify us at once of any termination, resignation, or other change to the status of an employee who is an Authorized User and agree to be liable for any Purchases, Balance Transfers, Cash Advances or other transactions on the Card that occur before TCM’s receipt of written notification of the change in employee status. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account (including any Card and Convenience Checks) only for legal purchases of goods and servicesservices and not to use the Account, Cards and/or Convenience Checks for any unlawful purposes, including the purchase of goods or services prohibited by applicable laws or regulations. You expressly agree that Cards may not be used for gambling or wagering purposes, whether on the internet online or otherwise, even if otherwise permitted by applicable law. If you or any Authorized Users do use your Card Cards for unlawful purposes, including, without limitation, illegal internet gambling, and /or for any purposes or gamblingwhich we do not permit, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. You must immediately return the Card to us or destroy it if we ask you to. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsapplicable Card. We reserve the right to deny authorization for any requested ChargeCharge even if the transaction would not cause you to exceed your credit limit or your Account is not in default. All Purchases You agree to use your Account, including any Cards or Convenience Checks, solely for business or commercial purposes and not to use your Account for personal, family or household purposes. You further acknowledge and agree that TCM is relying upon your agreement to use the Account solely for business or commercial purposes in making this extension of credit to you. We are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller losses you may incur if we do not authorize a requested Charge or Cash Advancing Financial Institution if anyone refuses to honor the Cards accept your Card or any Related CardConvenience Check for any reason. Any refundYou may obtain Cash Advances and Balance Transfers as permitted for your Account as described in this Agreement, adjustment but you may not use these to pay any amount you owe us or credit allowed any of our affiliates or agents. We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control. Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by Seller shall not be by cash but rather by a credit advice us. Failure to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as do so may result in the Primary Cardholder, are responsible for all Charges suspension of charging privileges on your Account. Any Additional Card You also agree to provide us with any information required by law or regulation, including information that may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in required under the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those chargesUSA Patriot Act and the Bank Secrecy Act.

Use of the Card. You may Purchasing and cash advance privileges (if allowed) on the Card and Account are provided by the Bank pursuant to the GSA Contract and one or more task orders between the Bank and my Agency/Organization, and are subject to this Agreement. I agree to use the Card only for official travel and official travel-related expenses in accordance with applicable law and the policy of my Agency/Organization. I agree not to obtain legal goods and services from any person or establishment accepting use the Card (“Purchase(s)”)for personal, family or household purposes. I understand that the Card is not transferable and obtain loans (“Cash Advance(s)”) from us up to will be used by me alone only after I have signed the applicable limits on your Account and to take advantage of other features back of the Card. As used in I agree that I will not charge the expenses of others on this card. In the event that I do make charges that violate the terms of this Agreement, I understand that I am fully liable for all such transactions made. Unless canceled, the term “Purchases” Card will include Purchasesbe valid through the expiration date printed on its face. By agreeing to the terms of this Agreement, I am requesting that the Bank issue a renewal Card to me before the current Card expires. Unless I have a Restricted card, the Bank will continue to issue renewal Cards until my Agency/Organization or I tell the Bank to stop. If I have a Restricted card, the Bank will not issue a renewal Card until after the Bank has conducted a creditworthiness assessment on me. I hereby consent to must pay in U.S. dollars drawn on funds in the U.S. If I do not do so, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash AdvancesBank accepts my payment, the Annual Card feeBank shall select the currency conversion rate and I must pay the Bank’s costs. The Bank may accept late payments, if any, partial payments or checks and money orders marked “payment in full” or with other fees, and restrictive endorsements without losing any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default rights under this Agreement and we may terminate your Account, but you still or under the law. Even if the Bank does not enforce its rights under this Agreement it will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those chargeslose them.

Use of the Card. You All Boost Beyond Cards are issued with contactless functionality and are MasterCard PayPass enabled. Once the Boost Beyond Card is activated and you have topped-up the Card with sufficient funds, you may start to use the Boost Beyond Card to purchase goods and services worldwide anywhere a MasterCard card is accepted and also to access cash at ATMs or financial institutions displaying the MasterCard name and/or logo, whereupon for ATM functionality, Boost shall duly inform the Cardholder within the App of its availability. Each time you use the Card to obtain legal purchase goods or services, you authorize us to deduct your funds from your Card Account. The Card is non-transferable and services from shall only be used exclusively by you as the Cardholder. Your Card shall not be pledged by you as security for any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge formpurpose whatsoever. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if shall not give the Card or any Convenience Checks we may issue on your Card Account are lost number to other third parties or stolen, or if you suspect they are being used without your permission. You agree allow them to use the Account only it for legal purchases of goods and services. Cards may not be used for gambling purposescharges, whether on the internet identification or otherwiseany other purpose. If you do so, you will be liable for all charges made with the Card as a result thereof. You also cannot use your Card for purposes which are deemed to be illegal purposes or gambling, you will be in default under this Agreement unacceptable by us and we shall be entitled to block the authorization for the use of the Card for such activities. Your Card usage is limited to a maximum of the Card Limit (depending on which Card Limit we have approved for you and pegged to your Payment Source). If you opt for any optional services provided by us (if applicable), then you may terminate your Accounthave to maintain a minimum amount as specified in connection with the use of those services. We may further set certain limits and thresholds for specific use categories (within the Card Limit) which you cannot exceed whether daily, but you still will monthly or so on. We may further refuse any Transaction or limit the amount to be liable to us transacted either on a per transaction or aggregated basis at any time and for all Charges relating to such transactions and all other transactions on your Accountany reason. You should frequently review your Card Account to check and verify your Available Balance before using your Card. You must always ensure that there are sufficient funds in your Card Account to pay for each transaction and to cover the total amount transacted on your Card Account, including purchases, recurring transactions, fees and other charges. If the total amount in your Card account is insufficient, your transaction will be declined and in the case of recurring declined transactions, you would have to make your own arrangements for payment with the recurring merchant, and we shall not use the Card after the expiration datebe liable for any penalty or late payment interest charged by such merchant on you. If you want have not paid any of the fees (as may be applicable), your Card cannot be used and we will be entitled to cancel block, suspend and/or to terminate your Card account. Without prejudice to the above, we shall not be responsible for the refusal of any Merchant or member institution of Mastercard to honour or accept your Card. All transactions conducted with your Card will only be reflected and posted to your Card Account after they have been submitted by the respective Merchant or acquiring bank and processed by the Mastercard payment network and authorised ONLY by Xxxxx. Take note, as part of our CDD requirements and security monitoring process, Boost reserves the right to review your Card Account activities and any Additional CardsTransaction at any point in time in order to protect you and your funds and to ensure the validity, safety and security of your Card Account against money laundering, terrorism financing, fraudulent or illegal activities. As a provider of financial services, Xxxxx also plays an important role in the fight against financial crime, money laundering and terrorist financing activities and as a result, the Applicable Laws require us to obtain, verify and record personal and private information about our customers and to conduct periodic account reviews. These processes often include steps that involve additional verification and validation of identity, payment or funding sources and instructions, and of other Transaction information which may require us to contact you must contact us further for the relevant information, which may result in delay in the processing of a Transaction until such verification and destroy validation is satisfactorily completed. In the Card or event that your Transaction is subject to any Additional Cardsprocess for additional verification and/or validation (including AML compliance checks), your Transaction may be put on hold while we collect and confirm the source of the funds and complete the verification and validation process. We reserve the right to deny authorization refuse to process Transactions for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal certain individuals, including without limitation, individuals from sanctioned or high risk countries, individuals who have been blacklisted by any Seller financial institutions, licensed banks or Cash Advancing Financial Institution to honor e-money issuers in Malaysia or abroad, individuals who are included in our internal lists and the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: Yourelevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities (including but not limited to Bank Negara Malaysia), the Primary CardholderUnited Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC), or who are responsible for all Charges on your Account. Any Additional Card deemed as Specially Designated Nationals (SDNs), included under any lists or databases as provided or recommended by the Financial Action Task Force (FATF) and such other lists as may be canceled issued from time to time by you relevant government agencies. We may also refuse to process any Transaction on behalf of individuals that may appear on any list of politically exposed persons (PEPs) or by usthat are family members or considered close associates of such PEPs (RCAs). You agree to make sure that any Additional Cards issued on your Account are If the Card is used in a manner consistent with other than as permitted by this Cardholder Agreement, to the extent permitted by law, we may, at our option and without waiving any of our rights, recognize the transactions and debit or credit the Card accordingly. You also authorize us Any online betting and/or gambling activities are prohibited and you agree that we do not owe you any duty and/ or obligation whatsoever to discuss monitor and block the use of the Card for any unlawful activities. If we do find that your Account with Additional Cardholders in Card has been used for unlawful or fraudulent activity, we shall be entitled to suspend, block and/or terminate the course use of maintaining your Accountthe Card immediately without prior notice to you. Notwithstanding the above, Boost reserves the right to block, suspend or decline any Transaction at its sole and absolute discretion. We mayreserve the right to suspend, in our sole discretionrevoke and/or block any reloads or top ups to your Card Account which we discover and/or which we have been informed by any third parties (including the police, pursue Additional Cardholders Bank Negara Malaysia, Mastercard and/or other banking institutions or other relevant parties) to be irregular, suspicious, illegal or unauthorized, and we shall be entitled to take any action against you as may be deemed necessary for payment of their own charges if you fail to pay those chargessuch transactions, including blocking suspending and/or terminating your Card and Card account.

Use of the Card. To activate the Card you will need to log onto the Card Partner App or Card Partner’s Website and use the activate card function. We will be entitled to assume that a Transaction has been Authorised by You may where (i) the magnetic strip on the Card was swiped by the Merchant; (ii) the Card was inserted into a chip & PIN device and the PIN was entered; (iii) relevant information was supplied to the Merchant that allows them to process the Transaction, for example, providing the Merchant with the 3-digit security code on the back of the Card in the case of an internet or other non-face-to-face Transaction; or (iv) the Card is tapped against a contactless-enabled reader and accepted by such reader. The Cardholder should only use the Card as permitted by the Business. If the Cardholder uses the Card, we are entitled to obtain legal goods and services from any person or establishment accepting presume that the Cardholder has the Business’ permission to spend the Available Balance until notified to the contrary by the Business. The Cardholder can use the Card up to the amount of the Available Balance for Transactions (“Purchase(s)”)i) via the Internet, (ii) at Merchants and obtain loans (“Cash Advance(s)”iii) to make cash withdrawals from ATMs, provided that such application is included in the card program. We will deduct the value of the Transactions from the Available Balance in the Account. We will also deduct any applicable Fees as soon as they become payable by the Business based upon the Fees Schedule. ATM withdrawals may also be subject to fees, foreign exchange rates, maximum withdrawal limits, rules and regulations of the relevant ATM operator or bank. It is your responsibility to check whether any such additional fees apply, as they cannot be refunded once the cash has been withdrawn. Like other card issuers, we cannot guarantee a Merchant, an ATM operator or a bank will accept the Card. We may at any time suspend, restrict or terminate the Card and/or the Account, refuse to issue or replace a Card or refuse to authorise a Transaction for reasons relating to the following: ● if we have reasonable grounds to believe that the Card is being in a way which is not approved by the Business; ● if we have reasonable grounds to believe that the security of the Card has been compromised or suspect that the Card is being used in an unauthorised or fraudulent manner; ● if there is insufficient Available Balance in the Account at the time of a Transaction to cover the amount of the Transaction and any applicable Fees; ● if there is an outstanding Shortfall in the Account; ● if we have reasonable grounds to believe that you are acting in breach of this Agreement; ● if we have reasonable grounds to believe that a Transaction is potentially suspicious or illegal (for example, if we believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by Merchants, payment processors or payment schemes processing Transactions, or ● if we need to do so in order to comply with the law. If we do this, we will inform you of the action taken and its reasons in advance or, if that is not possible, immediately after, unless to do so would compromise reasonable security measures or be otherwise unlawful. We will reactivate the Account and where appropriate issue you with a replacement Card if after further investigations we reasonably believe that the reasons for the action no longer apply. The Business will remain responsible to the Issuer for the use of the Card. Your ability to use or access the Card may occasionally be interrupted, for example, if we need to carry out maintenance on our systems. Please contact us using the contact details set out in clause 2 to notify us of any problems you are experiencing using the Card or Account and we will endeavour to resolve any problem. You can manage the Card and view your e-statements by accessing the Account online via the Card Partner's Website or Card Partner App. You may at any time view the details of the Transactions in the Account using the relevant credentials. You must keep your credentials safe and not disclose them to anyone. The Account will include all Transactions notified to us up to the applicable limits on your Account and to take advantage of other features evening of the Cardprevious Business Day. As Your transaction information (“e-statement”) will contain: (i) a reference enabling you to identify each Transaction; (ii) the amount of each Transaction; (iii) the currency in which the Card is debited/credited; (iv) the amount of any Transaction charges including their break down, where applicable; the exchange rate used in this Agreement, the term “Purchases” will include Purchases, Transaction and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, amount of the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card Transaction after the expiration currency conversion, where applicable; and (v) the Transaction debit/credit value date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those charges.

Use of the Card. You may Purchasing and cash advance privileges (if allowed) on the Card and Account are provided by the Bank pursuant to the GSA Contract and one or more task orders between the Bank and my Agency/Organization, and are subject to this Agreement. I agree to use the Card only for official travel and official travel-related expenses in accordance with applicable law and the policy of my Agency/Organization. I agree not to obtain legal goods and services from any person or establishment accepting use the Card (“Purchase(s)”)for personal, family or household purposes. I understand that the Card is not transferable and obtain loans (“Cash Advance(s)”) from us up to will be used by me alone only after I have signed the applicable limits on your Account and to take advantage of other features back of the Card. As used in I agree that I will not charge the expenses of others on this card. In the event that I do make charges that violate the terms of this Agreement, I understand that I am fully liable for all such transactions made. Unless canceled, the term “Purchases” Card will include Purchases, and be valid through the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfersexpiration date printed on its face. As used in By agreeing to the terms of this Agreement, all amounts charged I am requesting that the Bank issue a renewal Card to an Account, which include Purchases, Cash Advancesme before the current Card expires. Unless I have a Restricted card, the Annual Bank will continue to issue renewal Cards until my Agency/Organization or I tell the Bank to stop. If I have a Restricted card, the Bank will not issue a renewal Card feeuntil after the Bank has conducted a creditworthiness assessment on me. I hereby consent to the Bank performing a creditworthiness check on me for that purpose. Unless otherwise provided in the applicable task order with my Agency/Organization, if any, or other fees, charging and any Interest Charges imposed under Agreement, cash advance privileges will be called “Charges”. Charges included automatically withdrawn: (but not limited toi) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless upon request of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once U.S. Government (including my Agency/Organization); (ii) upon termination of the GSA Contract and/or task order between the Bank and the Agency/Organization; (iii) if the Card or any Convenience Checks we may issue on your Account are card is reported lost or stolen, ; or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases (iv) as noted in Section 9 of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those charges.

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including paying for Purchases and obtaining Cash Advances. When any Cardholder makes a Transaction using the Account, we are lending the Primary Cardholder the amount required for the Transaction. The Primary Cardholder authorizes us to charge that amount to the Account and promises to pay us for all Transactions made with the Account, whether or not Transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else that a Cardholder permitted to use the Account, and for any applicable Fees, insurance or other premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on the Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on the Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 29 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends a Card to obtain legal goods and services from any person someone or establishment accepting allows someone else to use a Card or the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreementnumber, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, Primary Cardholder will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all any amounts charged to the Account by either that person, even if you intended to limit that person’s use of the Card or the Account to a particular amount or particular time. Authorized Users may use the Card or the Account in the same manner as the Primary Cardholder but are not liable to us for any amounts charged to the Account, including the amounts incurred by them. The Primary Cardholder provides their consent for us to communicate (by telephone, mail, email, SMS text message or any Additional Cardholdersother electronic communication method) with any Authorized User regarding all details and matters related to the Account. For greater certainty, this also means that we are permitted, but not obligated, to provide any Authorized User online access to the Account. We may decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or to evaluate and adjust the rates of interest, credit limit or other features of the Account. When any Cardholder on the Account pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the legal effect is the same as if the Card had been presented and the sales slip was signed or a PIN or password entered. The Primary Cardholder must sign any Card in the Primary Cardholder’s name that has a signature panel as soon as they receive it and ensure that each Authorized User signs any Card in the Authorized User’s name that has a signature panel as soon as they receive it. In any case, the Primary Cardholder agrees to pay all debts incurred on the Account, even if those debts are incurred: (i) prior to the activation of the Account; (ii) after the expiry of any Card; (iii) after the cancellation or suspension of Account access; (iv) after the closure of the Account; (v) or after the termination of this Agreement. You agree to notify us at once if the that you will use your Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use and the Account for personal, family or household purposes only and not for legal purchases of goods any other purpose, including for business or commercial purposes. Your Card and services. Cards may the Account number must not be used for gambling purposesany illegal or unlawful purpose, whether on including the internet purchase of goods or otherwise. If you do use your Card for illegal purposes services prohibited by the laws of Canada or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all any other transactions on your Account. You should not use country where the Card after is used or where the expiration date. If you want to cancel your Account goods or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsservices are provided. We reserve have the right to deny authorization prevent your Card or the Account from being used for any requested Chargecertain types of transactions as determined by us without advance notice to you. All Purchases Cards are affected at the option of the Seller our property and Cash Advancing Financial Institution and Solvay Bank shall not must be responsible for refusal by any Seller or Cash Advancing Financial Institution returned to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit us on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those chargesrequest.

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including paying for Purchases and obtaining Cash Advances. When any Cardholder makes a Transaction using the Account, we are lending the Primary Cardholder the amount required for the Transaction. The Primary Cardholder authorizes us to charge that amount to the Account and promises to pay us for all Transactions made with the Account, whether or not Transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else, and for any applicable Fees, insurance or other premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on the Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on the Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 29 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends their Card to obtain legal goods and services from any person someone or establishment accepting allows someone else to use their Card or the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreementnumber, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, Primary Cardholder will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all any amounts charged to the Account by either that person, even if you or any Additional Cardholders. You agree intended to notify us at once if limit that person’s use of the Card or any Convenience Checks we the Account to a particular amount or particular time. Authorized Users may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Card or the Account only for legal purchases of goods and services. Cards may in the same manner as the Primary Cardholder but are not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for any amounts charged to the Account, including the amounts incurred by them. The Primary Cardholder provides their consent for us to communicate (by telephone, mail, email, SMS text message or any other electronic communication method) with any Authorized User regarding all Charges relating details and matters related to such transactions and all other transactions on your the Account. You should For greater certainty, this also means that we are permitted, but not use obligated, to provide any Authorized User online access to the Account. We may decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or to evaluate and adjust the rates of interest, credit limit or other features of the Account. When any Cardholder on the Account pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the legal effect is the same as if the Card after had been presented and the expiration datesales slip was signed or a PIN or password entered. If you want to cancel your Account or The Primary Cardholder must sign any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as in the Primary Cardholder, are responsible for all Charges on your Account. Any Additional ’s name that has a signature panel as soon as they receive it and must also ensure that each Authorized User signs any Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your AccountAuthorized User’s name that has a signature panel as soon as they receive it. We mayIn any case, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail the Primary Cardholder agrees to pay all debts incurred on the Account, even if those charges.debts are incurred: (i) prior to the activation of the Account; (ii) after the expiry of any Card; (iii) after the cancellation or suspension of Account access;

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including: ● to pay for Purchases; and ● to obtain Cash Advances. When any Cardholder makes a Transaction using the Account, we lend the Primary Cardholder the amount required for the Transaction, and the Primary Cardholder authorizes us to charge the Account and promises to pay Xxxxxx Bank for all Transactions made with the Account, whether or not transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else that a Cardholder permitted to use your Account, and for any applicable Fees, premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on your Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on an Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 28 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends a Card to someone or allows someone else to use a Card or your Account number, the Primary Cardholder will be responsible for any amounts charged to the Card or Account by that person, even if you intended to limit that person’s use of the Card or your Account to a particular amount or particular time. Authorized Users may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if in the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, same manner as the Primary Cardholder, but are responsible not liable to us for any amounts incurred on the Account, including the amounts incurred by them. You provide your consent for us to communicate (by telephone, mail, email, SMS text message or any other electronic communication method) with any Authorized User regarding all Charges on details and matters related to your Account. Any Additional Card may be canceled by you or by us. You agree For greater certainty, this also means that we are permitted, but not obligated, to make sure that provide any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us Authorized User online access to discuss your Account with Additional Cardholders in the course of maintaining your Account. We maymay decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or to evaluate and adjust the rates of interest, in our sole discretioncredit limit or other features of your Account. When any Cardholder on the Account pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, pursue Additional Cardholders for payment of their own charges mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the legal effect is the same as if the Card had been presented and the sales slip was signed or a PIN or password entered. You must sign any Card that has a signature panel as soon as you fail receive it and ensure that the Authorized Users on the Account sign any Cards that include a signature panel as soon as they receive them. However, the Primary Cardholder agrees to pay those chargesall debts incurred on the Account, even if these debts are incurred prior to activation of the Account or after the expiry of any Card or after the closure or suspension of the Account. Your Card or Account number must not be used for any illegal or unlawful purpose, including the purchase of goods or services prohibited by the laws of Canada or any other country where the Card is used or where the goods or services are provided. We have the right to prevent your Card or your Account from being used for certain types of transactions as determined by us without advance notice to you. All Cards are the property of Xxxxxx Bank and must be returned to us on our request.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including but not limited to Bitcoin, or f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFee (as described below), if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional CardholdersAccount. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to take reasonable steps to prevent the unauthorized use of any Card, Convenience Checks and your Account. You agree to sign the Card immediately when you receive it. You agree to use the Account (including any Card and Convenience Checks) only for legal purchases of goods and servicesservices and not to use the Account, Cards and/or Convenience Checks for any unlawful purposes, including the purchase of goods or services prohibited by applicable laws or regulations. You expressly agree that Cards may not be used for gambling or wagering purposes, whether on the internet online or otherwise, even if otherwise permitted by applicable law. If you or any Authorized Users do use your Card Cards for unlawful purposes, including, without limitation, illegal internet gambling, and/or for any purposes or gamblingwhich we do not permit, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. You must immediately return the Card to us or destroy it if we ask you to. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsapplicable Card. We reserve the right to deny authorization for any requested ChargeCharge even if the transaction would not cause you to exceed your credit limit or your Account is not in default. All Purchases You agree to use your Account for personal, family or household purposes and not to use your Account for business or commercial purposes. We are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller losses you may incur if we do not authorize a requested Charge or Cash Advancing Financial Institution if anyone refuses to honor the Cards accept your Card or any Related CardConvenience Check for any reason. You may obtain Cash Advances and Balance Transfers as permitted for your Account as described in this Agreement, but you may not use these to pay any amount you owe us or any of our affiliates or agents. We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control. Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Failure to do so may result in the suspension of charging privileges on your Account. You also agree to provide us with any information required by law or regulation, including information that may be required under the USA Patriot Act. Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any refund, adjustment or credit allowed by Seller shall not such transfer will be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankvoid. ADDITIONAL CARDSAdditional Cards: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card Cards may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders Authorized Users in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders Authorized Users for payment of their own charges Charges if you fail to pay those chargesCharges. If you want to end an Authorized User’s privilege to use your Account, you must recover and destroy that person’s Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to cancel that person’s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report the Card as lost or stolen. You agree to notify each Authorized User that they are subject to all applicable sections of this Agreement. Credit Limit: The Credit Limit is the maximum amount of credit available on your Account. Your Credit Limit is equal to the amount deposited in your Secured Credit Card Deposit Account which serves as collateral for your obligations under this Account. We have provided you a separate written notice stating applicable credit limit(s) on your Account. In addition, your monthly statements will show the amount of credit available to you for Purchases, Balance Transfers and Cash Advances and the ANNUAL PERCENTAGE RATES (APRs) for Purchases, Balance Transfers and Cash Advances, as of the monthly statement date. You agree not to use the Account in any way that would make the unpaid balance of your Account exceed the applicable credit limit. We are not obligated to honor any Card transaction that would cause the unpaid balance of your Account to exceed applicable credit limits (“Over Limit Transactions”). However, if we, in our discretion, honor any Over Limit Transaction, you agree to promptly pay the amount more than the applicable credit limit. At our discretion, and subject to applicable law, we may increase, reduce your Credit Limit or the Balance Transfer or Cash Advance portions of your Credit Limit, or cancel your Credit Limit, at any time. A change to your Credit Limit or any portion thereof does not affect your obligation to pay us.

Use of the Card. You may use your Card in accordance with the terms of this Agreement for those purposes that we agree to, including:  to pay for Purchases; and  to obtain Cash Advances. When any Cardholder makes a Transaction using the Account, we lend the Primary Cardholder the amount required for the Transaction, and the Primary Cardholder authorizes us to charge the Account and promises to pay Xxxxxx Bank for all Transactions made with the Account, whether or not transaction alerts have been provided to a Cardholder with respect to the Transactions (when this service is available), whether they were made by the Primary Cardholder, an Authorized User, or someone else that a Cardholder permitted to use your Account, and for any applicable Fees, premiums or interest. The Primary Cardholder is solely responsible for and must repay us the Balance owing on your Account. The Primary Cardholder can add or remove Authorized Users from the Account from time to time by contacting us, although we may limit the number of Authorized Users on an Account. An Authorized User’s Card number will differ from the Primary Cardholder’s Card number but is part of the same Account. If the Primary Cardholder wishes to seek repayment from an Authorized User for any portion of the Balance, it is the Primary Cardholder’s responsibility to ensure that appropriate arrangements are in place. The Primary Cardholder is also responsible to ensure that all Authorized Users understand and comply with all of the terms and conditions of this Agreement and the Xxxxxx Bank Privacy Notice (see Section 28 “Privacy and Personal Information” for more details). Your Card may only be used by the Cardholder to whom it has been issued. If any Cardholder lends a Card to someone or allows someone else to use a Card or your Account number, the Primary Cardholder will be responsible for any amounts charged to the Card or Account by that person, even if you intended to limit that person’s use of the Card or your Account to a particular amount or particular time. Authorized Users may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if in the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, same manner as the Primary Cardholder, but are responsible not liable to us for any amounts incurred on the Account, including the amounts incurred by them. You provide your consent for us to communicate (by telephone, mail, email, SMS text message or any other electronic communication method) with any Authorized User regarding all Charges on details and matters related to your Account. Any Additional Card may be canceled by you or by us. You agree For greater certainty, this also means that we are permitted, but not obligated, to make sure that provide any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us Authorized User online access to discuss your Account with Additional Cardholders in the course of maintaining your Account. We maymay decline an authorization request for any Transaction at any time for any reason. We may also request additional information at any time to evaluate a Transaction request or to evaluate and adjust the rates of interest, in our sole discretioncredit limit or other features of your Account. When any Cardholder on the Account pays for goods or services with the Account number without presenting his or her Card (such as for Purchases by telephone, pursue Additional Cardholders for payment of their own charges mail, Internet, mobile or any other electronic method) or where a signature, PIN or password is not required, the legal effect is the same as if the Card had been presented and the sales slip was signed or a PIN or password entered. You must sign any Card that has a signature panel as soon as you fail receive it and ensure that the Authorized Users on the Account sign any Cards that include a signature panel as soon as they receive them. However, the Primary Cardholder agrees to pay those chargesall debts incurred on the Account, even if these debts are incurred prior to activation of the Account or after the expiry of any Card or after the closure or suspension of the Account. Your Card or Account number must not be used for any illegal or unlawful purpose, including the purchase of goods or services prohibited by the laws of Canada or any other country where the Card is used or where the goods or services are provided. We have the right to prevent your Card or your Account from being used for certain types of transactions as determined by us without advance notice to you. All Cards are the property of Xxxxxx Bank and must be returned to us on our request.

Use of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card (“Purchase(s)”), and to obtain loans non-purchase related transactions (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include PurchasesPurchases and Balance Transfers (a “Balance Transfer” is transfer of funds to another creditor initiated by us at your request which may include transaction fees and adjustments associated with any Balance Transfer), and the term “Cash Advances” will include; a) Cash Advances, b) Convenience ChecksChecks (as used in this Agreement, the term “Convenience Check” means any check we provide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery tickets, gift cards or stored value load, e) purchase of cryptocurrency, including but not limited to Bitcoin, or f) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeFee (as described below), if any, or other fees, and any Interest Finance Charges imposed under the Agreement, will be called “Charges”. Charges included include (but are not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional CardholdersAccount. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to take reasonable steps to prevent the unauthorized use of any Card, Convenience Checks and your Account. You agree to sign the Card immediately when you receive it. You agree to use the Account (including any Card and Convenience Checks) only for legal purchases of goods and servicesservices and not to use the Account, Cards and/or Convenience Checks for any unlawful purposes, including the purchase of goods or services prohibited by applicable laws or regulations. You expressly agree that Cards may not be used for gambling or wagering purposes, whether on the internet online or otherwise, even if otherwise permitted by applicable law. If you or any Authorized Users do use your Card Cards for unlawful purposes, including, without limitation, illegal internet gambling, and/or for any purposes or gamblingwhich we do not permit, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. You must immediately return the Card to us or destroy it if we ask you to. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cardsapplicable Card. We reserve the right to deny authorization for any requested ChargeCharge even if the transaction would not cause you to exceed your credit limit or your Account is not in default. All Purchases You agree to use your Account for personal, family or household purposes and not to use your Account for business or commercial purposes. We are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller losses you may incur if we do not authorize a requested Charge or Cash Advancing Financial Institution if anyone refuses to honor the Cards accept your Card or any Related CardConvenience Check for any reason. You may obtain Cash Advances and Balance Transfers as permitted for your Account as described in this Agreement, but you may not use these to pay any amount you owe us or any of our affiliates or agents. We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control. Credit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Failure to do so may result in the suspension of charging privileges on your Account. You also agree to provide us with any information required by law or regulation, including information that may be required under the USA Patriot Act. Transfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any refund, adjustment or credit allowed by Seller shall not such transfer will be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bankvoid. ADDITIONAL CARDSAdditional Cards: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card Cards may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders Authorized Users in the course of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders Authorized Users for payment of their own charges Charges if you fail to pay those chargesCharges. If you want to end an Authorized User's privilege to use your Account, you must recover and destroy that person's Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to cancel that person’s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report the Card as lost or stolen. You agree to notify each Authorized User that they are subject to all applicable sections of this Agreement. Credit Limit: The Credit Limit is the maximum amount of credit available on your Account. Your Credit Limit is equal to the amount deposited in your Secured Credit Card Deposit Account which serves as collateral for your obligations under this Account. We have provided you a separate written notice stating applicable credit limit(s) on your Account. In addition, your monthly statements will show the amount of credit available to you for Purchases, Balance Transfers and Cash Advances and the ANNUAL PERCENTAGE RATES (APRs) for Purchases, Balance Transfers and Cash Advances, as of the monthly statement date. You agree not to use the Account in any way that would make the unpaid balance of your Account exceed the applicable credit limit. We are not obligated to honor any Card transaction that would cause the unpaid balance of your Account to exceed applicable credit limits (“Over Limit Transactions”). However, if we, in our discretion, honor any Over Limit Transaction, you agree to promptly pay the amount more than the applicable credit limit. At our discretion, and subject to applicable law, we may increase, reduce your Credit Limit or the Balance Transfer or Cash Advance portions of your Credit Limit, or cancel your Credit Limit, at any time. A change to your Credit Limit or any portion thereof does not affect your obligation to pay us.

Use of the Card. You may use the Card and PIN to: • Withdraw cash from your savings or checking account at ATMs, merchants, or financial institutions that accept VISA® Debit Cards; • Transfer funds between your savings or checking account you have with the Credit Union; and • Make deposits to your savings or checking account at the Credit Union. You may use the Card without the PIN to: • Purchase goods or services at places that accept VISA® Debit Cards (these are point of sale or POS transactions); • Order goods or services by mail or telephone from places that accept VISA® Debit Cards; and • Make automatic payments from your checking account to pay bills or other charges, providing that the person or organization that you are paying agrees to accept payments this way. Some of these services may not be available at all terminals. Use of the card, the account number on the card, the PIN or any combination of the three for payments, purchases, or to obtain legal goods and services cash from any person merchants, financial institutions or establishment accepting others who honor VISA® Debit Cards is an order by you for the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) withdrawal of the amount of the transaction from us up your account. Each transaction with the card will be charged to your account. All card transactions covered by this agreement are subject to the applicable limits on terms and conditions of your Account and account agreements with us governing the affected accounts, except as modified by this agreement. Any future changes to take advantage of other features your account agreements may affect the use of the Cardcard. As ILLEGAL USE OF VISA® DEBIT CARD You agree that your VISA® Debit Card Account will not be used in this Agreementto make or facilitate any transaction(s) that is or might be construed to be illegal pursuant to applicable law, the term “Purchases” will include Purchasesrule or ordinance, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (including but not limited to) to gambling. Said use, including any Purchasesuch authorized use, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless will constitute an event of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us agree that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s). You agree that you are responsible for repayment of any and all debts incurred for these transactions. You further agree to discuss your Account with Additional Cardholders in indemnify and hold the course Credit Union harmless from any suits, liability, damages or adverse action of maintaining your Account. We may, in our sole discretion, pursue Additional Cardholders for payment of their own charges if you fail to pay those chargesany kind that results directly or indirectly from such illegal use.

Use of the Card. To use the Card, simply present the Card at the time of payment. If you have a physical Card, enter your PIN (or sign the receipt with the same signature you used when you signed the Card). You may should retain the receipt as a record of the transaction. As you use the Card, the Card’s Balance will be reduced by the Transaction Amount including taxes, charges, and other fees, if any. If you use your Card for card-not-present transactions (such as online, mail or telephone purchases), the legal effect is the same as if you used the Card at retail where you are asked to present your Card. You should retain a record of the transaction. The physical Card includes a PIN that can be used to withdraw cash, within the limits listed in the limits table, at any ATM displaying the Visa or Plus* acceptance marks. When you use the physical Card at an ATM, or when you use the Card to obtain legal goods for over-the-counter cash withdrawals, the amount of the withdrawal, plus any applicable fees and services taxes, will be deducted from any person or establishment accepting the Card (“Purchase(s)”)available Balance associated with your Card. You are solely and completely responsible for the possession, use, and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features control of the Card. As used in this AgreementYou must surrender the Card to us immediately upon request by us. The Card is provided to you, only. If you authorize another person to use the term “Purchases” Card, you agree, to the extent permitted by law, that you will include Purchases, and be liable for all transactions arising from use of the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance TransfersCard by such person. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card feeYou agree that, if anya merchant required that you sign the sales draft, or other fees, we are not required to verify your signature on any sales draft prepared in connection with a transaction on the Card and we may authorize and process a transaction even if the signature on the sales draft is different than the signature on the Card. We are not liable to you for declining authorization for any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Chargeparticular transaction, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Accountour reason. We may, in our sole discretion, pursue Additional Cardholders cancel or suspend any features or services of the Card at any time, with or without cause, with thirty (30) days’ notice to you or as otherwise required by Applicable Law. You should receive a paper record of each POS transaction or ATM transaction for which you use the Card. It is your responsibility to obtain such record and ensure that it is accurate. We are not responsible for providing you with a periodic statement. If you identify an error in any transaction record, you must address the error directly with the merchant or ATM operator. Some merchants (including, but not limited to, fuel stations, restaurants, hotels, cruise lines, or car rental companies) may pre-authorize the transaction amount for the purchase amount plus up to 20% (or more) above the purchase amount to ensure that there are sufficient funds available on the Card to cover any tips or incidental expenses. In such cases, your transaction will be declined if the Card Balance will not cover the transaction amount plus the additional amount. A pre-authorization will place a ‘hold’ on an amount of your available Card funds until the merchant sends us the final payment amount of their own charges if your purchase. Once the final payment amount is received, the pre- authorization amount on hold in excess of that final payment amount will be released. The time it takes for a pre-authorization hold to be removed may vary depending on the type of merchant. A hold is typically removed within eight (8) days for most standard merchants, and within thirty (30) days for hotels, cruise lines and car rental agencies. During the hold period, you fail will not have access to pay those chargesthe pre-authorized amount. Loading Funds: The Card is reloadable and the methods available for adding or transferring funds to the Card are available on the Website. The load methods may change from time to time. Some load methods are offered by third party service providers and are subject to additional fees. Subject to the applicable Card fees, funds loaded to the Card in-store or via card-to-card transfer will be available immediately after the load is confirmed by us. The time before funds become available may vary for other load methods. Only the Primary Cardholder can load funds onto the Primary Card and the Companion Cards. The funds provided by you to load a Balance onto the Card and the Balance on the Card are not a deposit, and they do not establish a separate individual deposit account with us or any other Canadian financial institution. You will not receive interest on the Balance or on any funds you load onto the Card.

Use of the Card. You may with Digital Wallets A digital wallet (“Wallet”) provides another way for you to make purchases with your Card. A digital wallet is a service provided by another company (such as Apple Pay, Android Pay, Samsung Pay, etc.), that allows you to use the your Card to obtain legal goods and services from any person or establishment accepting enter into transactions where the Card (“Purchase(s)”), and obtain loans (“Cash Advance(s)”) from us up to the applicable limits on your Account and to take advantage of other features of the CardWallet is accepted. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will include; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards A Wallet may not be used for gambling purposes, whether on the internet or otherwise. If you do use accepted at all places where your Card is otherwise accepted, and your Card may not be eligible for illegal purposes all the features and functionalities of the Wallet. Any use of your Card in or gambling, you will through the Wallet continues to be in default under subject to all terms and conditions of this Agreement and we Agreement. We may terminate your Account, but you still will be liable access to us for all Charges relating to such transactions or use of your Card with a Wallet at any time and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option reason, including if you violate any of the Seller and Cash Advancing Financial Institution and Solvay Bank shall not be responsible for refusal by any Seller terms or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with conditions of this Agreement. You also authorize can add or remove your Card from a Wallet by following the instructions provided by the Wallet provider. By doing this, you agree to allow us to discuss share your Account Card information with Additional Cardholders the Wallet provider. You may be required to take additional steps to authenticate yourself before your Card is added to the Wallet. We do not charge you any additional fees for adding your Card to a Wallet or for using your Card in the course Wallet. However, any fees and charges that would apply when you use your Card outside the Wallet will also apply when you use a Wallet to make purchases with your Card or otherwise access your Card. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees. The digital version of maintaining your Account. We Card in a Wallet may, in our sole discretion, pursue Additional Cardholders be automatically updated or upgraded without notice to you. We are not the provider of the Wallet, and we are not responsible for payment providing the Wallet service to you or for ensuring that your Card is compatible with any Wallet service. We are only responsible for supplying information to the Wallet provider to allow usage of your Card in the Wallet as you have requested. We are not responsible for any failure of the Wallet, any mobile device you use with the Wallet, or the inability to use the Wallet for any transaction. We are not responsible for how the Wallet provider performs its services or any other third parties regarding any agreement you enter into with the Wallet provider or other third party. We do not control the privacy and security of any of your information that may be held by the Wallet provider. Any information held by the Wallet provider is governed by the privacy policy given to you by the Wallet provider. If you have location services enabled on your mobile device, the location of your mobile device may be collected and shared by the Wallet provider in accordance with their own charges if respective data and privacy policies, including with us. If you fail request to pay those chargesadd your Card to a Wallet, you authorize us to collect, transmit, store, use and share information about you, your mobile device, and your use of the Card in accordance with our privacy policy, as amended from time to time, available at xxxxx://xxx.xxxxx.xxx/privacy-policy.html. TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY ARE WE LIABLE FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF A WALLET, YOUR USE OF THE CARD OR VIRTUAL CARD IN CONNECTION WITH A WALLET, OR A MOBILE DEVICE. If you use a Wallet, you should protect your Wallet and your mobile device as you would your Card. If your Wallet or mobile device is compromised, lost or stolen, you should also consider your Card lost or stolen and notify us immediately. Please see Section 7 for instructions for reporting a lost or stolen Card. If you have any questions, disputes, or complaints about a Wallet, contact the Wallet provider using the information given to you by the provider.

Use of the Card. You may use (a) In case of an internationally valid Card, the Card is valid world-wide except as provided in Clause III (h) herein below. In case of other Cards the use is restricted at only the Merchant Establishments accepting VISA/ MasterCard /RuPay or any other cards as issued by the banks in India. However, IDBI Bank and the Merchant Establishment concerned, reserve the right, at any time, to obtain legal goods refuse the use of the Credit Card at that Merchant Establishment for any reason whatsoever. The Credit Card may be used only for bonafide personal or official purposes and services from any person or establishment accepting its use is not permitted to be exploited by the Card (“Purchase(s)”)Member. The Card Member undertakes to act in good faith at all times in relation to all dealings with the Card and IDBI Bank. In the event any charges for the availment of the purchase or other facility is levied by the Merchant Establishment, on the charges incurred by the Card Member, the same shall be settled with the Merchant Establishment and obtain loans (“Cash Advance(s)”) from us up IDBI Bank shall in no manner be held liable for the same. On usage of the Card at the Merchant Establishment, the Card Member must collect the copy of the charge-slips at the time of signing the charge-slip. The Card Member shall be responsible for signing the charge-slip; in the event the charge-slip is not signed by the Card Member, the Card Member shall continue to be liable for the transaction/s and all charges in relation thereto. IDBI Bank shall not provide copies of the charge slips to the applicable limits on your Account and to take advantage of other features of the Card. As used in this Agreement, the term “Purchases” will include Purchases, and the term “Cash Advances” will includeCard Member; a) Cash Advances, b) Convenience Checks, c) obtaining funds through an automated teller machine (ATM) or a financial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, or stored value load, e) engaging in another similar transaction, or f) Balance Transfers. As used in this Agreement, all amounts charged to an Account, which include Purchases, Cash Advances, the Annual Card fee, if any, or other fees, and any Interest Charges imposed under Agreement, will be called “Charges”. Charges included (but not limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced intent to incur a Charge, regardless of whether you have signed a charge form. You are responsible for paying all amounts charged to the Account by either you or any Additional Cardholders. You agree to notify us at once provided however if the Card or any Convenience Checks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You agree to use the Account only for legal purchases of goods and services. Cards may not be used for gambling purposes, whether on the internet or otherwise. If you do use your Card for illegal purposes or gambling, you will be in default under this Agreement and we may terminate your Account, but you still will be liable to us for all Charges relating to Member makes such transactions and all other transactions on your Account. You should not use the Card after the expiration date. If you want to cancel your Account or any Additional Cards, you must contact us and destroy the Card or any Additional Cards. We reserve the right to deny authorization for any requested Charge. All Purchases are affected at the option request within forty- five days of the Seller and Cash Advancing Financial Institution and Solvay relevant transaction, IDBI Bank shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Cards or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Solvay Bank which shall be shown as a credit on Cardholders account statement with Solvay Bank. ADDITIONAL CARDS: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Card may be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a manner consistent with this Agreement. You also authorize us to discuss your Account with Additional Cardholders in the course of maintaining your Account. We may, in our at its sole discretion, pursue Additional Cardholders provide copies of the charge slips at a charge mentioned in the Schedule of Fees and Charges provided in the Annexure along with Most Important Terms and Conditions (MITC). IDBI Bank may, at its sole discretion agree to provide the Card Member with the facility of effecting e-mail order or telephone order purchases. The use of a Virtual Credit Card shall be restricted to online transactions / mail orders only. A Virtual Credit Card shall be issued only as an Add-on Card and not as a Primary Card, or as may be intimated by IDBI Bank, at its sole discretion, from time to time. The Card Member is aware that in case of e-mail order, telephone order or mobile purchases, the charge slips will not be signed by the Card Member at the time of the purchase. Accordingly, the Card Member accepts that, even in the event of any dispute regarding the authenticity or validity of such a purchase or a charge, for any reason whatsoever, the Card Member will make payment to IDBI Bank of their own charges if you fail to pay those chargesall out standings due.