Common use of Credit Limit Clause in Contracts

Credit Limit. We will notify you of your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the amount of your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above your Credit Limit up to a certain percentage of your Credit Limit which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.

Credit Limit. We At or near the time the Card Account is opened, we will notify advise you of your the maximum aggregate amount of Debt that may remain outstanding at any time in the Card Account. This amount will be the Business Credit Limit for each Credit the Card account you have with us, which is the total amount of credit we agree to extend to you at any one timeAccount. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available The Business Credit Limit is shared amount all Cards issued on the amount of your total Card Account. We may, in our sole discretion, change the Business Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted from time to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior time by providing notice to you. You agree may request ATB to change the Business Credit Limit at any time, however, we are not required to do so. At or near the time the Card Account is opened, you may request the Card Account to be set up either on a restricted or unrestricted basis. You may request that you will we change the account type after it is opened, however, we are not let your total chargesrequired to do so. We may, including Purchasesin our sole discretion, Cash Advances, FINANCE CHARGES change the account type from time to time by providing notice to you. If the Card Account is set up on an unrestricted basis (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction FeesUnrestricted Basis), late chargeseach Cardholder will have access to the entire authorized Business Credit Limit. However, membership feesCards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Business Credit Limit of the Card Account in effect at such time unless we or our authorized agent approve the particular transaction. Although we are not required to, if we have permitted you to exceed the authorized Business Credit Limit of the Card Account, you must pay upon demand by us the amount that exceeds the Business Credit Limit and other fees that any over limit fee we may be due, exceed your charge. The Business and each Owner remain jointly and severally (and in Quebec solidarily) liable and responsible for all Debt whether or not it exceeds the Business Credit Limit. If you exceed your Credit Limitthe Card Account is set up on a restricted basis (Restricted Basis), you will be considered to have exceeded your may request a credit limit for each Cardholder. This is the Card Limit for each Cardholder Account. The aggregate total of all Card Limits for all Cardholders Accounts must not at any time exceed the Business Credit Limit for all purposes of the AgreementCard Account. Even if you have requested the Card Account be set up on an Unrestricted Basis, we have the right to set a Card Limit for each Cardholder and we may reduce change the available Card Limit for any Cardholder from time to time. We will advise each Cardholder what their initial Card Limit is on the Card Carrier sent to them with their Card. If the account is set up on a Restricted Basis, each Cardholder will have access only to their Card Limit and once the applicable Card Limit has been reached by a Cardholder, the Cardholder will not be able to access their Cardholder Account until the next Statement Date after the Credit Limit any other Credit has been reached (provided the required payment for the Card account you have with us until such time Account has been received by us) as the excess amount is paidCard Limits refurbish monthly on each statement cycle date. You are responsible for keeping track of your New Balance ensuring that each Cardholder observes their Card Limit and your available Credit Limitwill continue to be liable to ATB if ATB permits the Card Limit to be exceeded. We may but Although we are not required to, if we have permitted the authorized Card Limit to approve transactions above your be exceeded, you must pay upon demand by us the amount that exceeds the Card Limit and any over limit fee we may charge. The Business and each Owner remain jointly and severally (and in Quebec solidarily) liable and responsible for all Debt whether or not it exceeds any Card Limit. The current Business Credit Limit up to a certain percentage of your Credit Limit which we establish from time to time for you based is shown on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card accounteach monthly Statement. We may also limit authorizations the portion of your Business Credit Limit or any Card Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to make Purchases or obtain draw further Cash Advances if until you make payments that, in accordance with the manner in which we consider it necessary apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to verify collection Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn from an automated banking machine (ABM). These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre- authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of Payments received on your Credit Card accountwhether you receive goods or services at that time.

Credit Limit. We will notify you of your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the amount of your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, due exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit of any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit/Revolve Line. We may but are not required to approve transactions above your Credit Limit Limit/Revolve Line up to a certain percentage of your Credit Limit Limit/Revolve Line which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit/Revolve Line. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.

Credit Limit. We will notify you of your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the amount of your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit of any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit/Revolve Line. We may but are not required to approve transactions above your Credit Limit Limit/Revolve Line up to a certain percentage of your Credit Limit Limit/Revolve Line which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit/Revolve Line. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.

Credit Limit. We will notify you of your may establish a Total Credit Limit (the “Total Credit Limit”) and a Cash Advance Limit (the “Cash Advance Limit”) for each Credit Card account you have with us, which is the total amount of credit and increase or decrease such limits as we agree deem appropriate from time to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your initial Total Credit Limit and Cash Advance limit Limit are listed shown on the folded mailer containing your Card, or on the approval notice. Your Total Credit Limit and Cash Advance Limit will also appear on your monthly periodic statementAccount Statement (as defined below). Your available Total Credit Limit is the maximum amount of your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree credit that you will not let can have outstanding on your total charges, including Purchases, Account at any time. The Cash Advance Limit is that amount you have available for Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, . The amount of credit available in your Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, Advance Limit will never exceed the amount of credit available in your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Total Credit Limit. We may but are not required to approve transactions above change your Credit Limit up to a certain percentage of your Credit Limit which we establish limits from time to time for you based time.We base that decision on our established evaluation criteriaa variety of factors such as your payment and transaction history with us, and information we receive from third parties, including credit reporting agencies. If we The amounts shown on your Statement as available credit do approve those not take intoAccount Purchases,Balance Transfers, Cash Advances, interest charges, fees, any other transactions, those transactions will or credits which post to your Account after the Closing Date (as defined below) of that Statement. The total outstanding balance on your Account plus authorizations at any time must not increase be more than your Total Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will The total outstanding balance of your Cash Advances (plus authorizations) must not be assessed on those amountsmore than your Cash Advance Limit. For security reasonsEach time you attempt a transaction which results in your applicable outstanding balance (plus authorizations) exceeding a limit, we may limit may: (a) permit the number or transaction without raising your Limit; (b) permit the transaction and treat the amount of Purchase, Cash Advance and/or Convenience Check transactions the transaction that may be accomplished with your Card or Credit Card account. We may also is more than the limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.as immediately due; or

Credit Limit. We will notify you of your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the amount of your total Credit Limit minus the sum of your New yo u r Ne w Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that th a t have not cleared. You may apply to increase your Credit Limit, and a n d we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit yo u r Cre dit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you yo u have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above your Credit Limit up to a certain percentage of your percentag e o f yo u r Credit Limit which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that transaction s th a t may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances Advanc e s if we consider it necessary to verify collection of Payments received on your Credit Card account.

Credit Limit. Your initial Credit Limit and your Cash Advance Limit are communicated to you within your One Account, which you may access in the One web app or mobile app, and are included in this Agreement by reference. We will notify you of disclose your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your then-current Credit Limit and Cash Advance limit are listed Limit to you on each of your monthly periodic statementStatements. Your available You agree we may change your Credit Limit and Cash Advance Limit, up to and including fully revoking such credit, at any time subject to applicable law. You agree never to use your One Card when the use would exceed your Credit Limit or Cash Advance Limit and that we are not obligated to extend credit to you (a) for an amount that would cause your outstanding Credit Line balance to exceed your Credit Limit or Cash Advance Limit, or (b) for any amount if your outstanding balance is already over the Credit Limit. The credit you are able to access through Overdraft is the amount same credit you may access through Credit Line. In other words, it is a single credit limit that can be accessed as an overdraft or Credit Line. As you use funds from one Pocket, the availability of funds from the other Pocket will proportionally decrease, until repayment occurs in Credit Line and/or the primary Spend Pocket. This “dynamic balance” is presented in Credit Line and in the primary Spend Pocket (for Credit Line limit and availability). Any increases in your total Credit Limit minus the sum of you request will require you to make a written, oral, or electronic application for our approval. We will re-evaluate your New Balancefinancial condition, including your ability to make payments, if you request a higher Credit Limit, or at any authorized Purchases, Cash Advances and Balance Transfers that have not posted time we deem it appropriate to review your AccountCredit Line, and any payments that have not clearedthis may include obtaining a current credit bureau report, and/or asking you for current financial information. You Based on such reviews, we may apply to immediately increase or reduce your Credit Limit, and we reserve the right to lower it or close your Credit Line, without prior written notice to youyou except as required by applicable law. You agree If you make a transaction that would cause you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit or Cash Advance Limit, you will be considered to have exceeded we may (a) allow the transaction without increasing your Credit Limit for all purposes of or Cash Advance Limit; (b) allow the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above transaction without increasing your Credit Limit up to or Cash Advance Limit and treat that amount as immediately due, or (c) refuse the transaction. If the transaction is refused, we may notify the person who attempted the transaction that it has been refused. If we permit a certain percentage of transaction that causes an over-limit condition, it does not mean that we will do so again in the future. You will pay any amount(s) which exceeds your Credit Limit which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card accountLimit, upon demand.

Credit Limit. We At or near the time the Card Account is opened, ATB will notify you advise on the Card Carrier of your the maximum aggregate amount of Debt that may remain outstanding at any time in the Card Account. This amount will be the Credit Limit for each Credit the Card account you have with us, which is the total amount of credit we agree to extend to you at any one timeAccount. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available The Credit Limit is shared among all Cards issued on the amount of your total Card Account. If a Primary Cardholder has consented, we may increase the Credit Limit. The Primary Cardholder(s) may request ATB to change the Credit Limit minus the sum of your New Balanceat any time; however, any authorized Purchases, Cash Advances and Balance Transfers that have we are not posted required to your Account, and any payments that have not cleareddo so. You acknowledge that we may apply to increase your decrease the Credit Limit, Limit at any time and we reserve the right to lower it for any reason (whether you are in default or not) without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your The current Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above your Credit Limit up to a certain percentage of your Credit Limit which we establish from time to time for you based shown on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card accounteach monthly Statement. We may also limit authorizations the portion of your Credit Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to make Purchases or obtain draw further Cash Advances until you make payments that, in accordance with the manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn from an automated banking machine (ABM). These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre-authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of whether you receive goods or services at that time. Cards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Credit Limit of the Card Account in effect at such time, unless we or our authorized agent approve the particular transaction. Although we are not required to, if we consider have permitted you to exceed the authorized Credit Limit of the Card Account, the Primary Cardholder(s) must pay on demand the amount that exceeds the Credit Limit and any over limit fee we may charge. The Primary Cardholder(s) remains liable for all Debt whether or not it necessary to verify collection of Payments received on your exceeds the Credit Card accountLimit.

Credit Limit. Your initial Credit Limit and your Cash Advance Limit are communicated to you within your One Account, which you may access in the One web app or mobile app, and are included in this Agreement by reference. We will notify you of disclose your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your then-current Credit Limit and Cash Advance limit are listed Limit to you on each of your monthly periodic statementStatements. Your available You agree we may change your Credit Limit and Cash Advance Limit, up to and including fully revoking such credit, at any time subject to applicable law. You agree never to use your One Card when the use would exceed your Credit Limit or Cash Advance Limit and that we are not obligated to extend credit to you (a) for an amount that would cause your outstanding Overdraft balance to exceed your Credit Limit or Cash Advance Limit, or (b) for any amount if your outstanding balance is already over the Credit Limit. The credit you are able to access through Overdraft is the amount same credit you may access through Credit Line. In other words, it is a single credit limit that can be accessed as an overdraft or Credit Line. As you use funds from one Pocket, the availability of funds from the other Pocket will proportionally decrease, until repayment occurs in Credit Line and/or the primary Spend Pocket. This “dynamic balance” is presented in Credit Line and in the primary Spend Pocket (for Credit Line limit and availability). Any increases in your total Credit Limit minus the sum of you request will require you to make a written, oral, or electronic application for our approval. We will re-evaluate your New Balancefinancial condition, including your ability to make payments, if you request a higher Credit Limit, or at any authorized Purchases, Cash Advances and Balance Transfers that have not posted time we deem it appropriate to your Accountreview Overdraft, and any payments that have not clearedthis may include obtaining a current credit bureau report, and/or asking you for current financial information. You Based on such reviews, we may apply to immediately increase or reduce your Credit Limit, and we reserve the right to lower it or close Overdraft, without prior written notice to youyou except as required by applicable law. You agree If you make a transaction that would cause you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit or Cash Advance Limit, you will be considered to have exceeded we may (a) allow the transaction without increasing your Credit Limit for all purposes of or Cash Advance Limit; (b) allow the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above transaction without increasing your Credit Limit up to or Cash Advance Limit and treat that amount as immediately due, or (c) refuse the transaction. If the transaction is refused, we may notify the person who attempted the transaction that it has been refused. If we permit a certain percentage of transaction that causes an over-limit condition, it does not mean that we will do so again in the future. You will pay any amount(s) which exceeds your Credit Limit which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card accountLimit, upon demand.

Credit Limit. We will notify you of your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the th e amount of your total Credit Limit minus the sum of your New BalanceBala n ce , any a n y authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may ma y apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including PurchasesPurch a se s, Cash Advances, FINANCE CHARGES (including but not limited to interestintere st , Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, due exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for L imit fo r all purposes of the Agreement, and we may reduce the available Credit Limit of any other Credit Card account you have with us until such time as su ch t ime a s the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit/Revolve Line. We may but are not required to approve transactions above your Credit Limit Limit/Revolve Line up to a certain ce rta in percentage of your Credit Limit Limit/Revolve Line which we establish from time f ro m t ime to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Cre d it Limit/Revolve Line. You are responsible for repaying all over-limit amounts amou n t s and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of PurchasePurch a se , Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.

Credit Limit. The Card must be signed to be used. Whether you sign the Card or not, you are fully responsible for complying with all the terms of this Agreement, including the obligation to pay us for all balances due on your Account as specified in this Agreement. We will advise you of the total credit limit on your Account when we first send you your Card. All or a portion of your total credit limit is available for cash advances. Your total credit limit and cash advance limit may change from time to time. We will notify you of any such changes through your Credit Limit for each Credit Card account billing statement or by sending you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate notice. If no separate cash advance limit for Cash Advances. Your Credit Limit and Cash Advance limit are is listed on your monthly periodic billing statement. Your available Credit Limit is , then the amount of your credit limit available for cash advances is your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to youcredit limit. You agree that you will not let to allow your unpaid balance (including Finance Charges and other charges) to exceed your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but credit limit. We may elect to not limited extend credit if you have exceeded your total credit limit or if the amount requested would cause you to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limittotal credit limit. If you exceed your Credit Limittotal credit limit, you will be considered agree to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with pay us until such time as the that excess amount is paidimmediately. You are responsible Your available credit for keeping track of your New Balance purchases and your available credit for cash advances may not reflect your payments for up to 14 days. Credit LimitAuthorizations Some transactions may require our prior authorization and you may be asked by the merchant to provide identification. We may but not be able to authorize a transaction, even if you have sufficient available credit. We may refuse to authorize any transactions at our sole discretion. We will not be liable to you if any of these events happen. We are not required responsible for refusal or failure by any merchant to approve transactions above accept or honor your Credit Limit up Card, or if a transaction cannot be completed for technical or other reasons. PAYMENT Promise to a certain percentage Pay You promise to pay according to the terms of this Agreement for all: (a) credit we extend on your Credit Limit which we establish from time Account; (b) Finance Charges, and other fees and charges; and (c) collection costs and attorneys’ fees to time for you based on our established evaluation criteriathe extent permitted by applicable law. If we do approve those transactionsyour Account is a joint Account, those transactions will not increase your Credit Limit. You are each joint Accountholder is jointly and individually responsible for repaying all over-limit amounts and FINANCE CHARGES will due under this Agreement regardless of death, divorce, other legal proceedings or any agreement that may affect liability between you. If any joint Accountholder requests to not be assessed on those amounts. For security reasonsliable for future transactions, we may limit close the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may Account. Payment Each periodic billing statement you receive from us will identify a Minimum Payment Due. Minimum Payment Due Your Minimum Payment Due each month will be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.calculated as follows:

Credit Limit. We The initial Credit Limit appears in the letter included in the Welcome Package provided to the Business. The monthly statement will notify you of your indicate the current Credit Limit for each the Business Account as well as the Available Credit Card account you have with us, which is as of the total amount date of credit we agree to extend to you the monthly statement. We may decrease the Credit Limit at any one time. Your time and will not increase the Credit Limit will also include a separate limit for Cash Advanceswithout obtaining the express consent of the Business. Your Approvals of Credit Limit and Cash Advance limit increases are listed on your monthly periodic statementat our sole discretion. Your available We will set one Credit Limit is for the amount of your Business Account which represents the total Credit Limit minus that is shared among all Cards issued on the sum of your New Balance, any authorized Purchases, Business Account. We may set a separate cash advance limit for cash related activities on the Business Account (such as Cash Advances and Balance Transfers that have Transfers). The cash advance limit is not posted to your Account, additional credit beyond the Credit Limit but is a specific limit for cash related activities and any payments that have not clearedinterest on these items. You may apply also have a daily limit for Cash Advances that may be withdrawn from the Business Account. These limits may be adjusted from time to increase your Credit Limit, and we reserve the right to lower it time by us without prior notice to you. You agree Cards must not be used in a manner which would cause the Balance of the Business Account to exceed, at any time, the authorized Credit Limit of the Business Account in effect at such time, unless we approve the particular Transaction. We may from time to time, at our discretion, authorize Transactions that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited cause the Balance to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your the Credit Limit. If However, you understand that while we may authorize any Transactions that cause the Balance to exceed your the Credit Limit, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above your do so even if we have done so in the past. Although we are not required to, if we have permitted you to exceed the authorized Credit Limit up of the Business Account, the Business and each Authorized Signatory will be jointly and severally liable to a certain percentage of your pay the amount that exceeds the Credit Limit which Limit, on demand, and any over limit fee that we establish from time to time may charge. The Business and each Authorized Signatory remain jointly and severally liable for you based all amounts owing on our established evaluation criteria. If we do approve those transactionsthe Business Account, those transactions will whether or not increase your it exceeds the Credit Limit. You are responsible The Business or any Authorized Signatory may contact us or use Online Services to set an Additional Cardholder Spending Limit for repaying all over-limit amounts and FINANCE CHARGES any Additional Cardholder on the Business Account, which the Business or any Authorized Signatory may adjust or remove at any time. The Additional Cardholder Spending Limit(s) will be assessed subject to the overall Credit Limit and cash advance limit on those amounts. For security reasonsthe Business Account, we may limit so the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that funds available to an Additional Cardholder may be accomplished with your Card less than the Additional Cardholder Spending Limit. The Business and each Authorized Signatory will continue to be fully liable on a joint and several basis for the Business Account. Some merchants may require that certain Purchases be pre-authorized. In such cases the Available Credit will decrease by the pre-authorized amount, regardless of whether you receive goods or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card accountservices at that time.

Credit Limit. We At or near the time the Card Account is opened, we will notify advise you of your the maximum aggre- gate amount of Debt that may remain outstanding at any time in the Card Account. This amount will be the Business Credit Limit for each the Card Account. We may, in our sole discre- tion, change the Business Credit Card account you have with us, which is Limit from time to time by providing notice to xxx.Xxx may request ATB to change the total amount of credit we agree to extend to you Business Credit Limit at any one time, however, we are not required to do so. Your Credit Limit will also include At or near the time the Card Account is opened, you may request the Card Account to be set up either on a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the amount of your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not clearedrestricted or unrestricted basis. You may apply request that we change the account type after it is opened, however, we are not required to increase your Credit Limitdo so. We may, and we reserve in our sole discretion, change the right account type from time to lower it without prior time by providing notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES If the Card Account is set up on an unrestricted basis (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction FeesUnrestricted Basis), late charges, membership fees, and other fees that may be due, exceed your each Cardholder will have access to the entire authorized Business Credit Limit. If However, Cards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Business Credit Limit of the Card Account in effect at such time. Although we are not required to, if we have permitted you to exceed your the authorized Business Credit LimitLimit of the Card Account, you will be considered to have exceeded your must pay upon demand by us the amount that exceeds the Business Credit Limit and any over limit fee we may charge. If the Card Account is set up on an restricted basis (Restricted Basis), you may request a cred- it limit for each Cardholder. This is the Card Limit for each Cardholder Account. The aggre- gate total of all Card Limits for all Cardholders Accounts must not at any time exceed the Business Credit Limit for all purposes of the AgreementCard Account. Even if you have requested the Card Account be set up on an Unrestricted Basis, we have the right to set a Card Limit for each Cardholder and we may reduce change the available Card Limit for any Cardholder from time to time. We will advise each Cardholder what their current Card Limit is on the disclosure statement (Card Carrier) sent to them with their Card. If the account is set up on a Restricted Basis, each Cardholder will have access only to their Card Limit and once the applicable Card Limit has been reached by a Cardholder, the Cardholder will not be able to access their Cardholder Account until the next Statement Date after the Credit Limit any other Credit has been reached (provided the required payment for the Card account you have with us until such time Account has been received by us) as the excess amount is paidCard Limits refurbish monthly on each statement cycle date. You are responsible for keeping track of your New Balance ensuring that each Cardholder observes their Card Limit and your available Credit Limitwill continue to be liable to ATB if ATB permits the Card Limit to be exceeded. We may but Although we are not required to, if we have permitted the authorized Card Limit to approve transactions above your Credit be exceeded, you must pay upon demand by us the amount that exceeds the Card Limit up to a certain percentage of your Credit Limit which we establish from time to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-and any over limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, fee we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card accountcharge.

Credit Limit. We At or near the time the Card Account is opened, you will notify be provided with the maximum aggregate amount of Charges that may remain outstanding at any time in the Card Account. This amount will be the “Credit Limit” for the Card Account. The Credit Limit is shared among all Cards issued on the Card Account and any applicable Instalment Plans. If we require you of to provide security funds in accordance with Section 8 below, your Credit Limit for each Credit Card account you have with us, which is will be equal to the total amount of credit security funds held by us as “Collateral Security.” For greater certainty, if we agree need to extend to you at any one time. Your apply all or a portion of your security funds in satisfaction of your Obligations in accordance with Section 8 below, this means your Credit Limit will also include be reduced. If a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is Primary Cardholder has consented and/or requested, we may increase the amount of your total Credit Limit minus the sum of your New Balance, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limitreside in the Province of Quebec, you will be considered to have exceeded your we may increase the Credit Limit for all purposes only on the express request of the Agreement, and we Primary Cardholder. The Primary Cardholder may reduce request Neo to change the available Credit Limit at any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but time; however, we are not required to approve transactions above your do so. You acknowledge that we may decrease the Credit Limit up at any time and for any reason (whether you are in default or not) without notice to a certain percentage of your you. The current Credit Limit which we establish from time to time for you based is shown on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card accounteach monthly Statement. We may also limit authorizations the portion of your Credit Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to make Purchases or obtain draw further Cash Advances until you make payments that, in accordance with the manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn. These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre-authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of whether you receive goods or services at that time. Cards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Credit Limit of the Card Account in effect at such time, unless we or our authorized agent approve the particular transaction. Although we are not required to, if we consider have permitted you to exceed the authorized Credit Limit of the Card Account, the Primary Cardholder must pay: (i) the amount that exceeds the Credit Limit, on demand, and (ii) except for residents of Québec, any over limit fee that we may charge. The Primary Cardholder remains liable for all Debt whether or not it necessary to verify collection of Payments received on your exceeds the Credit Card accountLimit.

Credit Limit. We At or near the time the Card Account is opened, ATB will notify you advise on the Card Carrier of your the maximum aggregate amount of Debt that may remain outstanding at any time in the Card Account. This amount will be the Credit Limit for each Credit the Card account you have with us, which is the total amount of credit we agree to extend to you at any one timeAccount. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available The Credit Limit is shared among all Cards issued on the amount of your total Card Account. If a Primary Cardholder has consented, we may increase the Credit Limit. The Primary Cardholder(s) may request ATB to change the Credit Limit minus the sum of your New Balanceat any time; however, any authorized Purchases, Cash Advances and Balance Transfers that have we are not posted required to your Account, and any payments that have not cleareddo so. You acknowledge that we may apply to increase your decrease the Credit Limit, Limit at any time and we reserve the right to lower it for any reason (whether you are in default or not) without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your The current Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above your Credit Limit up to a certain percentage of your Credit Limit which we establish from time to time for you based shown on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card accounteach monthly Statement. We may also limit authorizations the portion of your Credit Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to make Purchases or obtain draw further Cash Advances until you make payments that, in accordance with the manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn from an automated banking machine. These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre- authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of whether you receive goods or services at that time. Cards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Credit Limit of the Card Account in effect at such time, unless we or our authorized agent approve the particular transaction. Although we are not required to, if we consider have permitted you to exceed the authorized Credit Limit of the Card Account, the Primary Cardholder(s) must pay on demand the amount that exceeds the Credit Limit and any over limit fee we may charge. The Primary Cardholder(s) remains liable for all Debt whether or not it necessary to verify collection of Payments received on your exceeds the Credit Card accountLimit.

Credit Limit. We At or near the time the Card Account is opened, Neo will notify advise through the Neo Platform the maximum aggregate amount of Debt that may remain outstanding at any time in the Card Account. This amount will be the “Credit Limit” for the Card Account. The Credit Limit is shared among all Cards issued on the Card Account and any applicable Instalment Plans. If we require you of to provide security funds in accordance with section 8 below, your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree will be equal to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the amount of your total Credit Limit minus the sum security funds held by us as “Collateral Security.” For greater certainty, if we need to apply all or a portion of your New Balancesecurity funds in satisfaction of your Obligations in accordance with section 8 below, any authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may apply to increase your Credit Limit, and we reserve such security funds are no longer held as Collateral Security for the right to lower it without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed purposes of determining your Credit Limit. If you exceed your Credit Limita Primary Cardholder) has consented and/or requested, you will be considered to have exceeded your Credit Limit for all purposes of the Agreement, and we may reduce increase the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We The Primary Cardholder(s) may but request Neo to change the Credit Limit at any time; however, we are not required to approve transactions above your do so. You acknowledge that we may decrease the Credit Limit up at any time and for any reason (whether you are in default or not) without notice to a certain percentage of your you. The current Credit Limit which we establish from time to time for you based is shown on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card accounteach monthly Statement. We may also limit authorizations the portion of your Credit Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to make Purchases or obtain draw further Cash Advances until you make payments that, in accordance with the manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn. These limits may be adjusted from time to time by us without notice to you. Merchants may require that certain Purchases be pre-authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of whether you receive goods or services at that time. Cards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Credit Limit of the Card Account in effect at such time, unless we or our authorized agent approve the particular transaction. Although we are not required to, if we consider have permitted you to exceed the authorized Credit Limit of the Card Account, the Primary Cardholder(s) must pay: (i) the amount that exceeds the Credit Limit, on demand, and (ii) except for residents of Québec, any over limit fee that we may charge. The Primary Cardholder(s) remains liable for all Debt whether or not it necessary to verify collection of Payments received on your exceeds the Credit Card accountLimit.

Credit Limit. We will notify you of your Credit Limit for each Credit Card account you have with us, which is the total amount of credit we agree to extend to you at any one time. Your Credit Limit will also include a separate limit for Cash Advances. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available Credit Limit is the th e amount of your total Credit Limit minus the sum of your New BalanceBala n ce , any a n y authorized Purchases, Cash Advances and Balance Transfers that have not posted to your Account, and any payments that have not cleared. You may ma y apply to increase your Credit Limit, and we reserve the right to lower it without prior notice to you. You agree that you will not let your total charges, including PurchasesPurch a se s, Cash Advances, FINANCE CHARGES (including but not limited to interestintere st , Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your Credit Limit for L imit fo r all purposes of the Agreement, and we may reduce the available Credit Limit of any other Credit Card account you have with us until such time as su ch t ime a s the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit/Revolve Line. We may but are not required to approve transactions above your Credit Limit Limit/Revolve Line up to a certain ce rta in percentage of your Credit Limit Limit/Revolve Line which we establish from time fro m t ime to time for you based on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Cred it Limit/Revolve Line. You are responsible for repaying all over-limit amounts amoun t s and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of PurchasePurch a se , Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card account. We may also limit authorizations to make Purchases or obtain Cash Advances if we consider it necessary to verify collection of Payments received on your Credit Card account.

Credit Limit. We At or near the time the Card Account is opened, Neo will notify you of your Credit Limit for each Credit Card account you have with us, which is advise through our digital application and online web portal the total maximum aggregate amount of credit we agree to extend to you Debt that may remain outstanding at any one timetime in the Card Account. Your This amount will be the “Credit Limit will also include a separate limit Limit” for Cash Advancesthe Card Account. Your Credit Limit and Cash Advance limit are listed on your monthly periodic statement. Your available The Credit Limit is shared among all Cards issued on the amount of your total Card Account. If the Primary Cardholder(s) have consented, we may increase the Credit Limit. The Primary Cardholder(s) may request Neo to change the Credit Limit minus the sum of your New Balanceat any time; however, any authorized Purchases, Cash Advances and Balance Transfers that have we are not posted required to your Account, and any payments that have not cleareddo so. You acknowledge that we may apply to increase your decrease the Credit Limit, Limit at any time and we reserve the right to lower it for any reason (whether you are in default or not) without prior notice to you. You agree that you will not let your total charges, including Purchases, Cash Advances, FINANCE CHARGES (including but not limited to interest, Foreign Transaction Fees, Cash Advance, Balance Transfer and Convenience Check Transaction Fees), late charges, membership fees, and other fees that may be due, exceed your Credit Limit. If you exceed your Credit Limit, you will be considered to have exceeded your The current Credit Limit for all purposes of the Agreement, and we may reduce the available Credit Limit any other Credit Card account you have with us until such time as the excess amount is paid. You are responsible for keeping track of your New Balance and your available Credit Limit. We may but are not required to approve transactions above your Credit Limit up to a certain percentage of your Credit Limit which we establish from time to time for you based shown on our established evaluation criteria. If we do approve those transactions, those transactions will not increase your Credit Limit. You are responsible for repaying all over-limit amounts and FINANCE CHARGES will be assessed on those amounts. For security reasons, we may limit the number or amount of Purchase, Cash Advance and/or Convenience Check transactions that may be accomplished with your Card or Credit Card accounteach monthly Statement. We may also limit authorizations the portion of your Credit Limit that may be used for Cash Advances. If you have reached the limit we have set for Cash Advances, we may, at our discretion, not allow you to make Purchases or obtain draw further Cash Advances until you make payments that, in accordance with the manner in which we apply payments under this Agreement, reduce the portion of the outstanding Debt that relates to Cash Advances. You may also have a daily limit for Cash Advances that may be withdrawn. These limits may be adjusted from time to time by us without prior notice to you. Merchants may require that certain Purchases be pre-authorized. In such case, your available credit will decrease by the pre-authorized amount, regardless of whether you receive goods or services at that time. Cards must not be used in a manner which would cause the unpaid balance of the Card Account to exceed, at any time, the authorized Credit Limit of the Card Account in effect at such time, unless we or our authorized agent approve the particular transaction. Although we are not required to, if we consider have permitted you to exceed the authorized Credit Limit of the Card Account, the Primary Cardholder(s) must pay on demand the amount that exceeds the Credit Limit and any over limit fee we may charge. The Primary Cardholder(s) remains liable for all Debt whether or not it necessary to verify collection of Payments received on your exceeds the Credit Card accountLimit.