Account Opening and Card Issuance. Subject to the terms of this Agreement, we will open a Card Account in the name(s) of the Primary Cardholder(s). We will lend money to the Primary Cardholder(s) by way of Charges to the Card Account, including, without limitation, those Charges made by an Authorized User, in accordance with the terms of this Agreement. To access the Card Account, we will issue a Card to you and, at your request, Cheques. Charges incurred with a Card, or otherwise by using the Card Account, by each Cardholder will be charged to the Card Account and will be Debt for which each Primary Cardholder shall be jointly and severally (and in Quebec solidarily) liable with each other Primary Cardholder to repay to ATB. This means that each Primary Cardholder is responsible for all amounts owing to ATB on the Card Account, including, without limitation, Charges incurred by any Authorized User, regardless of which Cardholder incurred the Charge. Unless we receive prior instructions from any Primary Cardholder to the contrary, we will issue renewal and replacement Cards to each Cardholder prior to the expiry date indicated on the Card last issued to them. An Authorized User may instruct us not to issue or renew his or her own Card but may not provide instructions regarding any other Cardholder’s Cards.
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Sources: Mastercard Personal Cardholder Agreement, Cardholder Agreement