Common use of USE OF YOUR ACCOUNT Clause in Contracts

USE OF YOUR ACCOUNT. ACCOUNT USE: You may use Your card, Your Account number or checks, or similar instruments (including electronic form or otherwise) that We send to You (collectively, “Account Access Devices”) to make Purchases and Balance Transfers, and to obtain Cash Advances. Each time You use Your Account, You are representing that You intend, and have the ability, to repay all amounts due. You are responsible for all charges made by anyone You allow to use Your Account, even if they charge more than You intended. If You request that We issue a card or any Account Access Device to another person, You are responsible for all charges incurred by such person until You return their card to Us, or until You notify Us that use of their card or any Account Access Device is no longer authorized, whichever occurs first. We may, in Our discretion and to the extent permitted by law, restrict or refuse any request that We issue a card or any Account Access Device to another party. If unauthorized use of Your Account occurs, You agree to cooperate with law enforcement and Us in identifying the unauthorized user. As permitted by law, We may consider charges made by someone known to You (i.e. family member, relative, significant other, partner, roommate, co-worker, friend) using Your card or any Account Access Device as authorized by You. Each person named on the application for the Account and anyone else authorized to use the Account in any way is jointly and severally liable for all amounts due on this Account. CREDIT LIMIT/AUTHORIZATIONS: Your “Credit Limit” is the maximum amount of credit available under Your Account at any time. We will notify You of Your Credit Limit with Your Account Documents and on Your Billing Statements, and We may change or restrict Your credit availability at any time. You agree not to exceed the established Credit Limit and to pay any amount in excess of Your Credit Limit immediately. We are not obligated to allow the balance of Your Account to exceed its Credit Limit. If Your Account is a joint Account, each of You may request Credit Limit increases subject to applicable law. We may raise or lower Your Credit Limit at Our discretion and may restrict the amount of the Credit Limit available for Cash Advances and Balance Transfers. You may not use Your Account for (and We may decline authorization for) any illegal transaction. We may decline authorization for any Internet gambling transaction. We may, in Our discretion and to the extent permitted by law, restrict or delay the availability of credit to You for risk management purposes, and to protect You and Us against actual or potential fraud, unauthorized transactions, or claims. We are not liable for declining authorization for any particular transaction, regardless of reason.

USE OF YOUR ACCOUNT. ACCOUNT USE: You may use Your your card, Your your Account number or checks, or similar instruments (including electronic form or otherwise) that We we send to You you (collectively, “Account Access Devices”) to make Purchases and Balance Transfers, and to obtain Cash Advances. Each time You you use Your your Account, You are representing you represent that You you intend, and have the ability, to repay all amounts due. You are responsible for all charges made by anyone You you allow to use Your your Account, even if they charge more than You you intended. If You you request that We we issue a card or any Account Access Device to another person, You you are responsible for all charges incurred by such person until You you return their card to Usus, or until You you notify Us us that use of their card or any Account Access Device is no longer authorized, whichever occurs first. We may, in Our our discretion and to the extent permitted by law, restrict or refuse any request that We we issue a card or any Account Access Device to another party. If unauthorized use of Your your Account occurs, You you agree to cooperate with law enforcement and Us us in identifying the unauthorized user. As permitted by law, We we may consider charges made by someone known to You you (i.e. family member, relative, significant other, partner, roommate, co-workercoworker, friend) using Your your card or any Account Access Device as authorized by Youyou. Each person named on the application for the Account and anyone else authorized to use the Account in any way is jointly and severally liable for all amounts due on this Account. CREDIT LIMIT/AUTHORIZATIONS: Your “Credit Limit” is the maximum amount of credit available under Your your Account at any time. We will notify You you of Your your Credit Limit with Your your Account Documents and on Your your Billing Statements, and We we may change or restrict Your your credit availability at any time. You agree not to exceed the established Credit Limit and to pay any amount in excess of Your your Credit Limit immediately. We are not obligated to allow the balance of Your your Account to exceed its Credit Limit. If Your your Account is a joint Account, each of You you may request Credit Limit increases subject to applicable law. We may raise or lower Your your Credit Limit at Our our discretion and may restrict the amount of the Credit Limit available for Cash Advances and Balance Transfers. You may not use Your your Account for (and We we may decline authorization for) any illegal transaction. We may decline authorization for any Internet gambling transaction. We may, in Our our discretion and to the extent permitted by law, restrict or delay the availability of credit to You you for risk management purposes, and to protect You you and Us us against actual or potential fraud, unauthorized transactions, or claims. We are not liable for declining authorization for any particular transaction, regardless of reason.

USE OF YOUR ACCOUNT. ACCOUNT USE: You If your Card or any Check(s) are lost or stolen or if you have reason to think someone may use Your cardyour Account without your permission, Your you must notify us at once. Please either visit the website on the back of your Card and send us an e-mail or telephone us at the number on the back of your Card concerning the loss or theft of your Card or Checks or the possible unauthorized use of your Account. Do not use the Card, Account number or checks, any Checks after they have been reported lost or similar instruments (including electronic form or otherwise) that We send to You (collectively, “Account Access Devices”) to make Purchases and Balance Transfers, and to obtain Cash Advances. Each time You use Your Account, You are representing that You intend, and have the ability, to repay all amounts due. You are responsible for all charges made by anyone You allow to use Your Accountstolen, even if they charge more than are found or returned. You intendedwill not be liable for unauthorized use of the Account; however, you must identify for us the charges that were not made by you or someone authorized by you and through which you received no benefit. If You request We may require you to provide us with certain information and to comply with our investigation procedures. We may terminate or limit access to your Account if you have notified us or we have determined that We issue a card your Card or any Account Access Device to another person, You are responsible for all charges incurred by such person until You return their card to UsChecks may have been lost or stolen, or until You notify Us that use there may be unauthorized access to your Account. Sale of their card Account and Assignment to Farm Bureau Bank. This Account was originated by Barclays Bank Delaware but may be subsequently sold, assigned, or transferred to Farm Bureau Bank, FSB or to any other person or entity. Farm Bureau Bank, FSB may at any time, and without any notice to you, sell, assign, or transfer your Account, any sums due on your Account, this Agreement or our rights or obligations under your Account Access Device is no longer authorizedor this Agreement. The person(s) to whom we make any such assignment shall be entitled to all of our rights under the Agreement, whichever occurs first. We may, in Our discretion and to the extent permitted sold, assigned, or transferred. Governing Law. This Agreement and your Account will be governed by lawapplicable federal law and, restrict or refuse any request that We issue a card or any Account Access Device to another party. If unauthorized use of Your Account occurs, You agree to cooperate with law enforcement and Us in identifying the unauthorized user. As permitted by law, We may consider charges made by someone known to You (i.e. family member, relative, significant other, partner, roommate, co-worker, friend) using Your card or any Account Access Device as authorized by You. Each person named on the application for the Account and anyone else authorized to use the Account in any way is jointly and severally liable for all amounts due on this Account. CREDIT LIMIT/AUTHORIZATIONS: Your “Credit Limit” is the maximum amount of credit available under Your Account at any time. We will notify You of Your Credit Limit with Your Account Documents and on Your Billing Statements, and We may change or restrict Your credit availability at any time. You agree not to exceed the established Credit Limit and to pay any amount in excess of Your Credit Limit immediately. We are not obligated to allow the balance of Your Account to exceed its Credit Limit. If Your Account is a joint Account, each of You may request Credit Limit increases subject to applicable law. We may raise or lower Your Credit Limit at Our discretion and may restrict the amount of the Credit Limit available for Cash Advances and Balance Transfers. You may not use Your Account for (and We may decline authorization for) any illegal transaction. We may decline authorization for any Internet gambling transaction. We may, in Our discretion and to the extent permitted not preempted by federal law, restrict the laws of the State of Nevada. Inquiries or delay Questions: You may address any inquiries or questions which you have about your Account to Farm Bureau Bank, FSB, by visiting the availability website on the back of credit to You for risk management purposesyour Card and sending us an e-mail, and to protect You and Us against actual or potential fraudwriting us at Farm Bureau Bank, unauthorized transactionsFSB, X.X. Xxx 00000, Xxx Xxxxxxx, Xxxxx 00000-0000, or claimscalling us at the number on the back of your Card. We are not liable for declining authorization for any particular transactionIf you telephone or email us instead of writing, regardless of reasonyou may lose certain rights the law gives you to dispute billing errors.