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 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 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, coworker, 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 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 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.to

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 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, coworker, 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 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.,