Common use of SUPPLEMENTARY CARDMEMBERS Clause in Contracts

SUPPLEMENTARY CARDMEMBERS. At your request, we may issue a card on your account to another person (called a supplementary cardmember). We may limit the number of supplementary cards issued on one account. We generally do not provide copies of statements, notices and other communications to a supplementary cardmember. You agree and are responsible to ensure that each supplementary cardmember reads, understands and complies with this agreement including the information box and disclosure statement and any notices and other communications that we may send to you. To cancel a supplementary card, please see the “Cancelling This Agreement/ Closing The Account” section of this agreement. FUNDS ADVANCES If we permit you to obtain funds advances with your card, then: • you must obtain a code to access ATMs that accept the card, • we may impose limits and restrictions on funds advances such as the amount of the credit limit available by means of funds advances and minimum and maximum limits that apply to funds advances for each transaction, day, billing period or otherwise, • participating financial institutions and ATM operators may also impose their own limits and restrictions on funds advances such as limits on the number of funds advances, the amount of each funds advance and access to available services at ATMs, • we reserve the right to terminate your access to ATMs without cause and without providing any notice to you, even if your account is not in default, • fees apply as set out in the information box and disclosure statement and the ATM provider may also charge a fee, and • you must comply with any additional terms and conditions that we provide to you.

SUPPLEMENTARY CARDMEMBERS. At your request, we may issue a card on your account to another person (called a supplementary cardmember). We may limit the number of supplementary cards issued on one account. We generally do not provide copies of statements, notices and other communications to a supplementary cardmember. You agree that we are not entering into a credit agreement with any supplementary cardmembers, and that you alone are responsible to ensure that each supplementary cardmember reads, understands and complies with this agreement including the information box and disclosure statement and any notices and other communications that we may send to you. To cancel a supplementary card, please see the “Cancelling This Agreement/ Closing The Account” section of this agreement. FUNDS ADVANCES If we permit you to obtain funds advances with your card, then: • you must obtain a code to access ATMs that accept the card, • we may impose limits and restrictions on funds advances such as the amount of the credit limit available by means of funds advances and minimum and maximum limits that apply to funds advances for each transaction, day, billing period or otherwise, • participating financial institutions and ATM operators may also impose their own limits and restrictions on funds advances such as limits on the number of funds advances, the amount of each funds advance and access to available services at ATMs, • we reserve the right to terminate your access to ATMs without cause and without providing any notice to you, even if your account is not in default, • fees apply as set out in the information box and disclosure statement and the ATM provider may also charge a fee, and • you must comply with any additional terms and conditions that we provide to you.

SUPPLEMENTARY CARDMEMBERS. At your request, we may issue a card on your account to another person (called a supplementary cardmember). We may limit the number of supplementary cards issued on one account. We generally do not provide copies of statements, notices and other communications to a supplementary cardmember. You agree and are responsible to ensure that each supplementary cardmember reads, understands and complies with this agreement including the information box and disclosure statement and any notices and other communications that we may send to you. To cancel a supplementary card, please see the “Cancelling This Agreement/ Closing The Account” section of this agreement. FUNDS ADVANCES If we permit you to obtain funds advances with your card, then: • you must obtain a code to access ATMs that accept the card, • we may impose limits and restrictions on funds advances such as the amount of the credit limit available by means of funds advances and minimum and maximum limits that apply to funds advances for each transaction, day, billing period or otherwise, • participating financial institutions and ATM operators may also impose their own limits and restrictions on funds advances such as limits on the number of funds advances, the amount of each funds advance and access to available services at ATMs, • we reserve the right to terminate your access to ATMs or not approve any funds advance transaction without cause and without providing any notice to you, even if your account is not in default, • fees apply as set out in the information box and disclosure statement and the ATM provider may also charge a fee, and • you must comply with any additional terms and conditions that we provide to you.

SUPPLEMENTARY CARDMEMBERS. At your request, we may issue a card on your account to another person (called a supplementary cardmember). We may limit the number of supplementary cards issued on one account. We generally do not provide copies of statements, notices and other communications to a supplementary cardmember. You agree and are responsible to ensure that each supplementary cardmember reads, understands and complies with this agreement including the information box and disclosure statement and any notices and other communications that we may send to you. To cancel a supplementary card, please see the “Cancelling This Agreement/ Agreement/Closing The Account” section of this agreement. FUNDS ADVANCES If we permit you to obtain funds advances with your card, then: • you must obtain a code to access ATMs that accept the card, • we may impose limits and restrictions on funds advances such as the amount of the credit limit available by means of funds advances and minimum and maximum limits that apply to funds advances for each transaction, day, billing period or otherwise, • participating financial institutions and ATM operators may also impose their own limits and restrictions on funds advances such as limits on the number of funds advances, the amount of each funds advance and access to available services at ATMs, • we reserve the right to terminate your access to ATMs or not approve any funds advance transaction without cause and without providing any notice to you, even if your account is not in default, • fees apply as set out in the information box and disclosure statement and the ATM provider may also charge a fee, and • you must comply with any additional terms and conditions that we provide to you.