Common use of Discretion Clause in Contracts

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any person, refuse to honour any CRC cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC outstanding balance at such time would not have exceeded the credit limit of your CRC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC account and your being a CRC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use your CRC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC PC cheque or permit any transfer of funds or any other transaction (effected by the use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC PC outstanding balance at such time would not have exceeded the credit limit of your CRC PC account and/or and/ or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC PC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC PC account and your being a CRC PC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute reasonable discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC PC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC PC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC PC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC PC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC PC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC PC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CRCS cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CRCS outstanding balance at such time would not have exceeded the credit limit of your CRC CRCS account and/or and/ or the additional credit granted pursuant to Clause 2(e2(d) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CRCS chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC CRCS account and your being a CRC CRCS accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled entitud at any time anytime in our absolute reasonable discretion from a risk management perspective prespective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CRCS account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CRCS account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 1716, if the credit balance on your CRC CRCS account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CRCS account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CUC cheque or permit any transfer of funds or any other transaction (effected by the use use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CUC outstanding balance at such time would not have exceeded the credit limit of your CRC CUC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, to refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CUC chequebook and/or to introduce, amend, vary, terminate restrict or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC CUC account and your being a CRC CUC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled at any time anytime in our absolute reasonable discretion from a risk management perspective and if required by the relevant relevat authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CUC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CUC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC CUC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC CUC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC CUC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CUC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC PC cheque or permit any transfer of funds or any other transaction (effected by the use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC PC outstanding balance at such time would not have exceeded the credit limit of your CRC PC account and/or and/ or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC PC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC PC account and your being a CRC PC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute reasonable discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC PC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC PC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC PC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card PC account in respect of any overpayment or wrongful credit into your CRC PC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC PC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC PC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CUC cheque or permit any transfer of funds or any other transaction (effected by the use use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CUC outstanding balance at such time would not have exceeded the credit limit of your CRC CUC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, to refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CUC chequebook and/or to introduce, amend, vary, terminate restrict or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC CUC account and your being a CRC CUC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled at any time anytime in our absolute reasonable discretion from a risk management perspective and if required by the relevant relevat authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CUC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CUC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC CUC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card CUC account in respect of any overpayment or wrongful credit into your CRC CUC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC CUC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CUC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any person, refuse to honour any CRC cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC outstanding balance at such time would not have exceeded the credit limit of your CRC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC account and your being a CRC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use your CRC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card CRC account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CRCS cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CRCS outstanding balance at such time would not have exceeded the credit limit of your CRC CRCS account and/or the additional credit granted pursuant to Clause 2(e2(d) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CRCS chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC CRCS account and your being a CRC CRCS accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled entitud at any time anytime in our absolute reasonable discretion from a risk management perspective prespective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CRCS account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CRCS account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 1716, if the credit balance on your CRC CRCS account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CRCS account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any person, refuse to honour any CRC cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC outstanding balance at such time would not have exceeded the credit limit of your CRC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefitsbenefits, services, facilities and privileges in respect of or in connection with your CRC account and your being a CRC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use your CRC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) firstfirst; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CRCS cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CRCS outstanding balance at such time would not have exceeded the credit limit of your CRC CRCS account and/or the additional credit granted pursuant to Clause 2(e2(d) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CRCS chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC CRCS account and your being a CRC CRCS accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled entitud at any time anytime in our absolute reasonable discretion from a risk management perspective prespective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CRCS account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CRCS account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 1716, if the credit balance on your CRC CRCS account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CRCS account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; oror 9 (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC PC cheque or permit any transfer of funds or any other transaction (effected by the use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC PC outstanding balance at such time would not have exceeded the credit limit of your CRC PC account and/or and/ or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC PC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC PC account and your being a CRC CPC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute reasonable discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC PC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CPC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC CPC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CPC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CUC cheque or permit any transfer of funds or any other transaction (effected by the use use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CUC outstanding balance at such time would not have exceeded the credit limit of your CRC CUC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, to refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CUC chequebook and/or to introduce, amend, vary, terminate restrict or withdraw any or all of the benefitsbenefits, services, facilities and privileges in respect of or in connection with your CRC CUC account and your being a CRC CUC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled at any time anytime in our absolute reasonable discretion from a risk management perspective and if required by the relevant relevat authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CUC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CUC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial beneficial rights to such funds. (e) Notwithstanding any CRC CUC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC CUC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC CUC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CUC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) firstfirst; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to If any term or condition of our rights this Forbearance Agreement requires the submission of evidence of the existence or non-existence of a specified fact or facts, Lenders and remedies, we mayMCC shall, at any time all times, be free independently to establish to their reasonable satisfaction and in our their reasonable discretion without prior notice and without giving such existence or non-existence. Whenever Lender's or MCC's judgment, consent or approval is required hereunder or thereunder for any reason and without liability matter, or either Lender or MCC shall have an option or election hereunder or thereunder, such judgment, the decision as to you whether or any person, refuse not to honour any CRC cheque consent to or permit any transfer of funds approve the same or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC outstanding balance at such time would not have exceeded the credit limit of your CRC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount exercise of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we option or election shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC account and your being a CRC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use your CRC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC account to you (or to your executor(s) or administrator(s) in the event discretion of your death) each Lender and MCC, reasonably exercised, unless otherwise specifically provided herein. Such reasonable exercise of discretion may include reliance upon advice from counsel for the Lenders and for MCC, or other professionals, as the context may require. Wherever it is specifically provided in this Forbearance Agreement the consent or approval of each Lender and MCC must be obtained by a Borrower or Credit Party or Guarantor, such consent or approval shall not be obligated unreasonably withheld or delayed, but in all cases such consent or approval shall be provided to enquire about a Borrower or a Credit Party or a Guarantor, as the beneficial rights case may be, conditioned upon all other required consents or approvals from other parties having been obtained prior to the consent or approval of either Lender and MCC becoming effective; in any case, neither Lender nor MCC shall have any liability to any Borrower or to any Credit Party or to any Guarantor or to any other party for their reasonable and good faith refusal or failure to give any such funds. (e) consent or approval, and each Borrower and each Credit Party and each Guarantor shall indemnify, protect, defend and hold each Lender and MCC harmless against any such claims, losses and liabilities arising therefrom. Notwithstanding any CRC statements or notices sent by us to youthe foregoing, we have upon the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect occurrence and during the continuance of any overpayment Event of Default under this Forbearance Agreement, all consents and approvals and other matters requiring either Lender's or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC account is at any time more than S$30,000 (or such other amount as we may from time to time in our MCC's discretion determine and notify to you), we under this Forbearance Agreement shall be entitled to (i) transfer all or any part at the sole discretion of such credit balance on your CRC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to yousaid Lender and MCC.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any personyou, refuse to honour any CRC CUC cheque or permit any transfer of funds or any other transaction (effected by the use use of the CRC Card, Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC CUC outstanding balance at such time would not have exceeded the credit limit of your CRC CUC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, Notwithstanding and without prejudice to, to the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, to refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC CUC chequebook and/or to introduce, amend, vary, terminate restrict or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC CUC account and your being a CRC CUC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding Notwithstanding, and without prejudice to to, the other provisions of this Agreement, we are entitled at any time anytime in our absolute reasonable discretion from a risk management perspective and if required by the relevant relevat authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use user your CRC CUC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC CUC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC CUC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC CUC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.

Discretion. (a) Without prejudice to any of our rights and remedies, we may, at any time in our reasonable discretion without prior notice and without giving any reason and without liability to you or any person, refuse to honour any CRC cheque or permit any transfer of funds or any other transaction (effected by the use of the Citibank ATM/Debit Card or via the TBS or otherwise) notwithstanding that the total CRC outstanding balance at such time would not have exceeded the credit limit of your CRC account and/or the additional credit granted pursuant to Clause 2(e) of this Agreement if the amount of such transactions were debited thereto. (b) Notwithstanding, and without prejudice to, the other provisions of this Agreement, we shall be entitled at any time in our reasonable discretion with reasonable notice but without giving any reason, refuse to re-issue, renew or replace the CRC Card, the Citibank ATM/Debit Card and/or CRC chequebook and/or to introduce, amend, vary, terminate or withdraw any or all of the benefits, services, facilities and privileges in respect of or in connection with your CRC account and your being a CRC accountholder (e.g. preferential interest rate balance transfer programs, instalment plans, exclusive invitations to events, access to health, travel, credit balance repayment insurance offered in collaboration with key insurance companies). (c) Notwithstanding and without prejudice to the other provisions of this Agreement, we are entitled at any time in our absolute discretion from a risk management perspective and if required by the relevant authority or under any applicable Law or Regulation, without notice to you and without giving any reason, suspend your right to use your CRC account. (d) We shall be entitled to pay the credit balance (if any) on your CRC account to you (or to your executor(s) or administrator(s) in the event of your death) and shall not be obligated to enquire about the beneficial rights to such funds. (e) Notwithstanding any CRC statements or notices sent by us to you, we have the right, in our reasonable discretion, to reverse any entry, demand refund of and/or debit your card account in respect of any overpayment or wrongful credit into your CRC account. Without prejudice to the generality of the foregoing and subject to clause 17, if the credit balance on your CRC account is at any time more than S$30,000 (or such other amount as we may from time to time in our discretion determine and notify to you), we shall be entitled to (i) transfer all or any part of such credit balance on your CRC account by way of funds transfer to any of the your account(s) with us, including banking account(s), provided that if any of your account(s) has an outstanding balance(s), such funds will be applied to set-off such outstanding balance(s) first; or (ii) pay all or any part of such credit balance by such mode as we determine appropriate including by way of cheque or cashier’s order to you.