Common use of Cancellation of your card Clause in Contracts

Cancellation of your card. How you can cancel your card: The primary cardholder may close their account or cancel their card or any additional cards at any time by calling us (see Section 30 for contact details). If the primary cardholder cancels their card, we will also cancel all additional cards associated with the account. How we can cancel your card: We may do any of the following, at any time, without telling you in advance: • cancel any card on the account • cancel your rights and privileges related to your card • close the account • require you to immediately destroy your card(s) and cheques. If we cancel your card, withdraw your rights and privileges, or close the account: • we may refuse to honour cheques you write before or after cancellation, withdrawal or closure • we may seize your card(s) and cheques • you may not use your card, cheques or account • you must destroy your card(s) and cheques • you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit with us or any of our affiliates against the total debt • you must pay the legal fees and expenses we incur to recover amounts you owe us • you must cancel all pre-authorized merchant payments from the account.

Cancellation of your card. How you can cancel your card: The primary cardholder may close their account or cancel their card or any additional cards at any time by calling us (see Section 30 28 for contact details). If the primary cardholder cancels their card, we will also cancel all additional cards associated with the account. How we can cancel your card: We may do any of the following, at any time, without telling you in advance: • cancel any card on the account • cancel your rights and privileges related to your card • close the account • require you to immediately destroy your card(s) card and cheques. cheques If we cancel your card, withdraw your rights and privileges, or close the account: • we may refuse to honour cheques you write before or after cancellation, withdrawal or closure • we may seize your card(s) cards and cheques • you may not use your card, cheques or account • you must destroy your card(s) card and cheques • you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit with us or any of our affiliates against the total debt • you must pay the legal fees and expenses we incur to recover amounts you owe us • you must cancel all pre-authorized merchant payments from the account.

Cancellation of your card. How you can cancel your card: The primary cardholder may close their account or cancel their card or any additional cards at any time by calling us (see Section 30 29 for contact details). If the primary cardholder cancels their card, we will also cancel all additional cards associated with the account. How we can cancel your card: We may do any of the following, at any time, without telling you in advance: • cancel any card on the account • cancel your rights and privileges related to your card • close the account • require you to immediately destroy your card(s) card and cheques. cheques If we cancel your card, withdraw your rights and privileges, or close the account: • we may refuse to honour cheques you write before or after cancellation, withdrawal or closure • we may seize your card(s) cards and cheques • you may not use your card, cheques or account • you must destroy your card(s) card and cheques • you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit with us or any of our affiliates against the total debt • you must pay the legal fees and expenses we incur to recover amounts you owe us • you must cancel all pre-authorized merchant payments from the account.

Cancellation of your card. How you can cancel your card: The primary cardholder may close their account or cancel their card or any additional cards at any time by calling us (see Section 30 29 for contact details). If the primary cardholder cancels their card, we will also cancel all additional cards associated with the account. How we can cancel your card: We may do any of the following, at any time, without telling you in advance: • cancel any card on the account • cancel your rights and privileges related to your card • close the account • require you to immediately destroy your card(s) card and cheques. cheques If we cancel your card, withdraw your rights and privileges, or close the account: • we may refuse to honour cheques you write before or after cancellation, withdrawal or closure • we may seize your card(s) cards and cheques • you may not use your card, cheques or account • you must destroy your card(s) card and cheques • you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit with us or any of our affiliates against the total debt • you must pay the legal fees and expenses we incur to recover amounts you owe us • you must cancel all pre-authorized merchant payments from the account.

Cancellation of your card. How you can cancel your card: The primary cardholder may close their account or cancel their card or any additional cards at any time by calling us (see Section 30 for contact details). If the primary cardholder cancels their card, we will also cancel all additional cards associated with the account. How we can cancel your card: We may do any of the following, at any time, without telling you in advance: • cancel any card on the account • cancel your rights and privileges related to your card • close the account • require you to immediately destroy your card(s) and cheques. If we cancel your card, withdraw your rights and privileges, or close the account: account:‌‌‌‌ • we may refuse to honour cheques you write before or after cancellation, withdrawal or closure • we may seize your card(s) and cheques • you may not use your card, cheques or account • you must destroy your card(s) and cheques • you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit with us or any of our affiliates against the total debt • you must pay the legal fees and expenses we incur to recover amounts you owe us • you must cancel all pre-authorized merchant payments from the account.

Cancellation of your card. How In addition to any remedies available to the Bank pursuant to any other agreement between you can cancel your card: The primary cardholder may close their account or cancel their card or any additional cards at any time by calling us (see Section 30 for contact details). If and the primary cardholder cancels their cardBank, we will also cancel all additional cards associated with the account. How we can cancel your card: We may do any of the following, at any time, following without telling you in advance: • cancel any card on the account • cancel your rights and privileges related to your card • close the account • require you to immediately destroy return all your card(s) cards and cheques. cheques to us If we cancel your card, withdraw your rights and privileges, or close the account: • we may refuse to honour cheques you write before or after cancellation, cancellation • withdrawal or closure • we may seize your card(s) cards and cheques • you may not use your card, cheques or account • you must destroy your card(s) card and cheques • you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit with us or any of our affiliates against the total debt • you must pay the legal fees and expenses we incur to recover amounts you owe us • you must cancel all pre-authorized merchant payments from the account The owner may cancel the card or any additional cards at any time by contacting us (see Section 26). If the primary cardholder cancels their card, we will also cancel all additional cards associated with the account.