ACCOUNT RESTRICTIONS In order to receive and maintain a VISA Classic Secured Credit Card, You agree to give Us a specific pledge of shares which will equal Your credit limit. In the event that You default on Your Account, We may apply these shares toward the repayment of any amount owed on Your VISA Classic Secured Credit Card. You may cancel Your VISA Classic Secured Credit Card at any time by paying any amounts owed on such Card, To be certain that Your entire balance and all advances are paid, any shares pledged may not be available to You for 30 days after You have cancelled and any outstanding balance is paid in full. LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which You are approved. Unless You are in default, any Credit Limits established for You will generally be self‐replenishing as You make payments. You will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We authorize the advances which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any aspect of Your Account is in default.