Common use of Closing Your Account Clause in Contracts

Closing Your Account. You may end this Agreement at any time by contacting Tymit Customer Support through the support chat in the Tymit Mobile App or at xxxxxxx@xxxxx.xxx. If you choose to end this Agreement and close your Account, you must • repay the total amount outstanding in relation to all Repayment Plans on your Account (via the “Pay-off all balances now” button on the user profile section of the Tymit Mobile App) no later than 30 days after the day you notify us of your intention to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by law. We may close your Account by providing at least two months' written notice without any explanation. We may cancel or suspend your use of your Account in accordance with Condition 16 and we may reduce the Credit Limit in accordance with Condition 17. If we take such action, you are still under an obligation to repay the total outstanding balance on all Repayment Plans owing on your Account.

Closing Your Account. When you first open your account you can withdraw from this agreement without giving a reason by calling or writing to us within 14 days from the day after you receive your first card. Once you’ve told us you’re withdrawing from this agreement, you’ll have 30 days to pay back anything you’ve spent on your card. You may end can do this Agreement at any time by contacting Tymit Customer Support through calling us on the support chat number in the Tymit Mobile App or at xxxxxxx@xxxxx.xxx‘Getting in touch’ section below. If you choose don’t repay us within 30 days, we may charge interest in line with the terms of this agreement. This agreement has no fixed term. This means it will continue until you or we decide to end this Agreement and close your Accountaccount. You can close the account by calling or writing to us, you must • repay and we can close the total amount outstanding in relation account by writing to all Repayment Plans on you. Unless we are closing your Account (via the “Pay-off all balances now” button on the user profile section account for one of the Tymit Mobile App) no later than 30 days after the day reasons below, we’ll give you notify us of your intention to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by lawat least two months’ written notice. We may close your Account by providing account and require immediate repayment of your total outstanding balance for the reasons below: • If we reasonably believe that you’ve broken this agreement regularly or seriously • If you have acted fraudulently • If the Home Office tells us that you have become a ‘disqualified person’ due to your immigration status • If you become bankrupt (or enter into a voluntary arrangement with your creditors) or if we believe this is likely to happen • If you die (in this case, we may ask your estate to make the repayment) We’ll always follow any legal requirements before we take any of these steps. If you or we close your account, the following will apply: • You’ll need to make all payments that are due on your account. We’ll fix the interest rates so they don’t change as a result of the Base Rate changes. • No further payments will be made from your account so you’ll need to cancel any regular payments and make other arrangements to pay. • You will not be able to reopen your account and so you should destroy all cards. This agreement will continue until you’ve paid everything you owe, including amounts added to your account after the notice to close. You can repay all or part of the balance at least two months' written notice any time. Transferring this agreement We may transfer to any other person any or all of our rights and duties under this agreement at any time (including, without any explanationlimitation, our duty to lend to you). We may cancel or suspend do this without telling you. Your rights under this agreement and your use of your Account in accordance with Condition 16 and we may reduce legal rights (including those under the Consumer Credit Limit in accordance with Condition 17Act 1974) will not be affected. If we take such action, You won’t be able to transfer any rights you are still under an obligation have against us to repay the total outstanding balance on all Repayment Plans owing on your Accountanyone else.

Closing Your Account. You may end When you first open your account you can withdraw from this Agreement at any time agreement without giving a reason by contacting Tymit Customer Support through calling or writing to us within 14 days from the support chat in the Tymit Mobile App or at xxxxxxx@xxxxx.xxxday after you receive your first card. Once you've told us you're withdrawing from this agreement, you'll have 30 days to pay back anything you've spent on your card. If you choose don't repay us within 30 days, we may charge interest in line with the terms of this agreement. This agreement has no fixed term - this means it will continue until you or we decide to end this Agreement and close your Account, you must • repay account. You can close the total amount outstanding in relation to all Repayment Plans on your Account (via the “Pay-off all balances now” button on the user profile section of the Tymit Mobile App) no later than 30 days after the day you notify us of your intention to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you account by calling or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided writing to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable and we can close the account by writing to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairsyou. Before making any demand Unless we will follow any requirement by law. We may need to close your Account by providing account immediately, we'll give you at least two months' written notice without any explanationnotice. We may cancel or suspend close your use account and require immediate repayment of your Account in accordance with Condition 16 and we may reduce the Credit Limit in accordance with Condition 17. If we take such action, you are still under an obligation to repay the total outstanding balance on if we reasonably believe that you've broken this agreement regularly or seriously. We may also require this from your estate in the event of your death, if you become bankrupt or if you are likely to become bankrupt. We'll always follow any legal requirements before we close your account. If you or we close your account, the following will apply: • You'll need to make all Repayment Plans owing payments that are due on your Accountaccount. • No further payments will be made from your account so you'll need to cancel any regular payments and make other arrangements to pay. • You will not be able to reopen your account and so you should destroy all cards. This agreement will continue until you've paid everything you owe, including amounts added to your account after the notice to close. Transferring this agreement We may transfer to any other person any or all of our rights and duties under this agreement at any time (including, without limitation, our duty to lend to you). We may do this without telling you. Your rights under this agreement and your legal rights (including those under the Consumer Credit Act 1974) will not be affected. You won't be able to transfer any rights you have against us to anyone else.

Closing Your Account. You may end this Agreement Subject to Applicable Law, you can close your Account at any time for any reason by contacting Tymit Customer Support through the support chat giving us written notice. We can close your Account at any time, and we may assess an Account Closing Fee, as disclosed in the Tymit Mobile App Deposit Account Disclosure or at xxxxxxx@xxxxx.xxxthe BMO Business Service Fee Schedule. We have the right to advise credit bureaus if your Account is closed for any reason. If you choose to end this Agreement and we close your Account, we will mail you must • repay the total amount outstanding in relation to all Repayment Plans on your Account (via the “Pay-off all balances now” button on the user profile section of the Tymit Mobile App) no later than 30 days after the day you notify us of your intention to cancel this Agreement a notice and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable to pay your debts as they fall due, enter into a composition or other arrangement check for the benefit of balance if it is more than one dollar ($1). If your creditorsbalance is between $0.01 and one dollar ($1), or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by lawmail you a notice, but we will not mail you a check. We If your balance is $0.00, we may close your Account by providing at least two months' written notice without and will not mail you a notice. Please allow four (4) to six (6) weeks to receive such funds from us. If a deposit Account, other than a CD, is closed before interest is credited, you will receive any explanationaccrued and unpaid interest. We may cancel If you close a CD within the grace period, accrued and unpaid interest will not be paid. If you close a CD on or suspend prior to maturity, any accrued and unpaid interest will be credited to your use of CD. Any Items presented after your Account in accordance with Condition 16 and we may reduce the Credit Limit in accordance with Condition 17is closed will be returned unpaid. If we take such actionAfter your Account is closed, you are still under an agree we have no obligation to repay accept deposits or pay outstanding Items. In addition, after the total outstanding balance on all Repayment Plans owing on Account is closed, you agree to remain liable for fees and other obligations related to your Account, regardless of when they were incurred, including liability for all outstanding Items. The provisions of this Agreement are intended to be binding after your Account is closed and will remain binding between you and us, including, but not limited to, indemnification obligations and limitations on liability.

Closing Your Account. You We may end this Agreement close your Account at any time with or without a reason and without prior notice. You may request to close your Account in person at any of our branches or by contacting Tymit sending asigned letter of instruction to the attention of Deposit Maintenance Center #118 at the general mailing address. For questions, call our Customer Support through Service Center using the support chat applicable telephone number listed in the Tymit Mobile App subsection titled “How to Contact Us” in this section. We do not need to close your Account at your request if the Account is overdrawn or is subject to a legal process (such as garnishment or similar order). We retain sole discretion to honor or dishonor Checks or other transactions. If your Account is overdrawn at xxxxxxx@xxxxx.xxxclosing, you also agree to pay all costs and expenses in collecting any overdraft, even after it is charged off. Accounts closed within 180 days are subject to an Early Closing Fee as provided in the Fee Schedule. If your Account is not overdrawn at closing, after deducting fees, claims, setoffs or other amounts, we may send a Check for the remaining funds to the mailing address we have on file for the Account or deliver the remaining funds to you by other means. If you choose request and we allow you to end this Agreement and close delay the closing of your Account in order to pay outstanding Checks totaling a designated dollar amount (“Pending Close Status”), you agree that if your Account is an interest-bearing Account, you must • repay the total amount outstanding in relation to all Repayment Plans on your Account (via the “Pay-off all balances now” button on the user profile section of the Tymit Mobile App) that interest will no later than 30 days longer accrue from and after the day date you notify us of your intention intent to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on close your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by lawrequest Pending Close Status. We may close your Account by providing at least two months' written notice without any explanationif the Available and Current Balances are zero for 30 consecutive calendar days. You will receive a final statement indicating that your Account is closed. We may cancel also close your Account, for example, if you breach any agreement with us, or suspend your use of your Account in accordance with Condition 16 and if we may reduce the Credit Limit in accordance with Condition 17. If we take such action, you are still under an obligation have reason to repay the total outstanding balance on all Repayment Plans owing suspect fraudulent activity on your Account.

Closing Your Account. You We may end this Agreement close your Account at any time with or without a reason and without prior notice. You may request to close your Account in person at any of our branches or by contacting Tymit sending a signed letter of instruction to the attention of Deposit Maintenance Center #118 at the general mailing address. For questions, call our Customer Support through Service Center using the support chat applicable telephone number listed in the Tymit Mobile App subsection titled “How to Contact Us” in this section. We do not need to close your Account at your request if the Account is overdrawn or is subject to a legal process (such as garnishment or similar order). We retain sole discretion to honor or dishonor Checks or other transactions. If your Account is overdrawn at xxxxxxx@xxxxx.xxxclosing, you also agree to pay all costs and expenses in collecting any overdraft, even after it is charged off. Accounts closed within 180 days are subject to an Early Closing Fee as provided in the Fee Schedule. If your Account is not overdrawn at closing, after deducting fees, claims, setoffs or other amounts, we may send a Check for the remaining funds to the mailing address we have on file for the Account or deliver the remaining funds to you by other means. If you choose request and we allow you to end this Agreement and close delay the closing of your Account in order to pay outstanding Checks totaling a designated dollar amount (“Pending Close Status”), you agree that if your Account is an interest-bearing Account, you must • repay the total amount outstanding in relation to all Repayment Plans on your Account (via the “Pay-off all balances now” button on the user profile section of the Tymit Mobile App) that interest will no later than 30 days longer accrue from and after the day date you notify us of your intention intent to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on close your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by lawrequest Pending Close Status. We may close your Account by providing at least two months' written notice without any explanationif the Available and Current Balances are zero for 30 consecutive calendar days. You will receive a final statement indicating that your Account is closed. We may cancel also close your Account, for example, if you breach any agreement with us, or suspend your use of your Account in accordance with Condition 16 and if we may reduce the Credit Limit in accordance with Condition 17. If we take such action, you are still under an obligation have reason to repay the total outstanding balance on all Repayment Plans owing suspect fraudulent activity on your Account.

Closing Your Account. When you first open your account you can withdraw from this agreement without giving a reason by calling or writing to us within 14 days from the day after you receive your first card. Once you’ve told us you’re withdrawing from this agreement, you’ll have 30 days to pay back anything you’ve spent on your card. You may end can do this Agreement at any time by contacting Tymit Customer Support through calling us on the support chat number in the Tymit Mobile App or at xxxxxxx@xxxxx.xxx‘Getting in touch’ section below. If you choose don’t repay us within 30 days, we may charge interest in line with the terms of this agreement. This agreement has no fixed term. This means it will continue until you or we decide to end this Agreement and close your Accountaccount. You can close the account by calling or writing to us, you must • repay and we can close the total amount outstanding in relation account by writing to all Repayment Plans on you. Unless we’re closing your Account (via the “Pay-off all balances now” button on the user profile section account for one of the Tymit Mobile App) no later than 30 days after the day reasons below, we’ll give you notify us of your intention to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account, interest will continue to accrue until the total amount outstanding on your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you die, or are unable to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by lawat least two months’ written notice. We may close your Account by providing account and require immediate repayment of your total outstanding balance for the reasons below: • If we reasonably believe that you’ve broken this agreement regularly or seriously • If you’ve acted fraudulently • If the Home Office tells us that you’ve become a ‘disqualified person’ due to your immigration status • If you become bankrupt (or enter into a voluntary arrangement with your creditors) or if we believe this is likely to happen • If you die (in this case, we may ask your estate to make the repayment) We’ll always follow any legal requirements before we take any of these steps. If you or we close your account, the following will apply: • You’ll need to make all payments that are due on your account. We’ll fix the interest rates so they don’t change as a result of the Base Rate changes. • No further payments will be made from your account so you’ll need to cancel any regular payments and make other arrangements to pay. • You won’t be able to reopen your account and so you should destroy all cards. This agreement will continue until you’ve paid everything you owe, including amounts added to your account after you’ve given or received notice about closing your account. You can repay all or part of the balance at least two months' written notice any time. Transferring this agreement We may transfer to any other person any or all of our rights and duties under this agreement at any time (including, without any explanationlimitation, our duty to lend to you). We may cancel or suspend do this without telling you. Your rights under this agreement and your use of your Account in accordance with Condition 16 and we may reduce legal rights (including those under the Consumer Credit Limit in accordance with Condition 17Act 1974) won’t be affected. If we take such action, You won’t be able to transfer any rights you are still under an obligation have against us to repay the total outstanding balance on all Repayment Plans owing on your Accountanyone else.

Closing Your Account. (a) We May Limit Use Of or Close Your Account: We may (1) temporarily take away your ability to make transactions or otherwise use your Account, (2) delay reissuing your Card, or (3) close your Account. We may do these things at any time, but will tell you first if an applicable law requires us to. You must destroy all Cards and unused Checks if we tell you to. You still have to pay all amounts you owe us. If you are not in default when your Account is closed, you may pay off the balance under the terms of this Agreement that apply at that time. We can use all the rights and remedies we have under this Agreement until all amounts are repaid. We will not owe anything to you or anyone else if we do any of these things. (b) You May Close Your Account: You may end this Agreement close your Account at any time by contacting Tymit Customer Support through the support chat telling us in the Tymit Mobile App or at xxxxxxx@xxxxx.xxxwriting. You must destroy all Cards and unused Checks if we tell you to. You still have to pay all amounts you owe us. If you choose to end this Agreement and are not in default when you close your Account, you must • repay may pay off any balance under the total amount outstanding in relation to all Repayment Plans on your Account (via the “Pay-off all balances now” button on the user profile section of the Tymit Mobile App) no later than 30 days after the day you notify us of your intention to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination terms of this Agreement that apply at that time. 21. Information About You and your Account, interest will continue Your Credit: You promise that the information you gave us to accrue until the total amount outstanding on open your Account is repaid together with all interest true. You also promise to tell us right away and fees and equal to zero. We can end this Agreement and require stop using the Account if (1) you plan to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if you diefile for bankruptcy, or (2) are otherwise unable to pay your debts as they fall due, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by lawdebts. We may close look again at your Account by providing financial condition and credit standing at least two months' written notice without any explanationtime and for any reason. We may cancel get a current credit report or suspend ask you for current financial information or documents. For example, we may ask about your use property and debts. We also may ask for copies of your Account in accordance tax returns or verification of your employment and income. You agree to let us do this and help with Condition 16 and we may reduce the Credit Limit in accordance with Condition 17any investigation of your credit record. If we take such action, you are still under an obligation to repay the total outstanding balance on all Repayment Plans owing A negative credit report reflecting on your Accountcredit record may be submitted to one or more credit reporting agencies if you fail to fulfill your obligations under this Agreement. 22.

Closing Your Account. We May Close or Suspend Your Account. We may terminate your privileges under this Agreement or cancel or limit your privileges to make purchases or obtain cash advances at any time, with or without cause, subject to applicable notice requirements. You May Close Your Account. You may end this Agreement terminate your Account at any time by contacting Tymit Customer Support through notifying us by telephone or in writing. Whether your Account was terminated by us or by you, you promise that any amounts that you owe us at the support chat time of termination, plus any new purchases or cash advances, as well as any INTEREST CHARGES, Fees and Other Charges that will continue to be imposed at the rates specified in the Tymit Mobile App this Agreement, will be repaid according to this Agreement. You agree that you will not try to make any purchases or obtain cash advances after you have been notified that your privileges to use your Account have been canceled. You may terminate this Account at xxxxxxx@xxxxx.xxxany time. If you choose In order to end this Agreement and close terminate your Account, you must • repay either call us or give us written notice of your intent to terminate your Account at the total amount address for inquiries shown on your Monthly Billing Statement, and pay your outstanding Account balance in relation full. Your notice of termination will become effective as soon as we can reasonably act on it. If you request that we terminate your Account, but do not pay your outstanding Account balance in full, your credit privileges will be terminated. You agree that if your Account is terminated by us or by you, we may apply any part or all of your security deposit, if applicable, to all Repayment Plans on your outstanding balance pursuant to the terms of this Agreement. Account Non–Use, Inactivity and/or Closure. In connection with the initial opening of your Account (via but not in connection with renewing the “Pay-off all balances now” button on Account or replacing Cards that have been used for transactions to the user profile section of the Tymit Mobile App) no later than 30 days after the day you notify us of your intention to cancel this Agreement and • stop using your Cards immediately Notwithstanding the termination of this Agreement and your Account), interest will continue to accrue until the total amount outstanding on your Account is repaid together with all interest and fees and equal to zero. We can end this Agreement and require you to repay immediately all Repayment Plans and the total amount outstanding on your Account together with all interest and fees and/or reduce your Credit Limit immediately: • if we discover that our decision to lend to you or our subsequent reviews on your Account was based on misleading, inaccurate or incomplete information that you provided to us; • if you have repeatedly or seriously breached this Agreement; • if not made a payment, and either: (1) you diedo not activate your Card, or are unable to pay (2) you activate your debts as they fall dueCard but do not use your Account for a purchase or cash advance, enter into a composition or other arrangement for the benefit of your creditors, or are the subject of bankruptcy or other insolvency procedure; or • by reason of your illness, incapacity or becoming incapable of managing your own affairs. Before making any demand we will follow any requirement by law. We may unilaterally close your Account by providing at least two months' written notice without and terminate your right to use the Card or obtain credit, subject to any explanationlimitations under applicable law. We may cancel or suspend your use of your If we close the Account in accordance with Condition 16 and we this paragraph, all Fees posted to your Account will be reversed. Initial Fees Refund Disclosure. You may reduce still reject this plan, provided that you have not yet used the Credit Limit in accordance with Condition 17Account or paid INTEREST CHARGES, Fees or Other Charges after receiving a Monthly Billing Statement. If we take such actionyou do reject the plan, you are still under an obligation to repay the total outstanding balance on all Repayment Plans owing on your Accountnot responsible for any INTEREST CHARGES, Fees or Other Charges.