Common use of Joint Account Clause in Contracts

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without Without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that If your Account is a joint account, you (or any of them) is maintained jointly for you and one or more other persons (referred to as collectively the “Joint Account Holder” for the purpose of this Condition):Owners”) acknowledge that: (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each All of the Joint Account Holder without reference or notice to you (Owners shall be jointly and such Citibank ATM/Debit Card may or may not come with severally liable for the functionality enabling Card Transactions as we consider appropriate)obligations assumed in this Agreement; (b) Any one or more Joint Owners shall have the authority to act on behalf of all references Joint Owners, all without notice to “you” shall where the context allows include each and every other Joint Account Holder in whose name the Account is maintainedOwners; (c) you shall be jointly Each Joint Owner hereby appoints each and severally bound every other Joint Owner as his/her agent and confers upon each and every Joint Owner the broadest possible power with respect to observe comply and perform the duties and obligations in these Terms and ConditionsAccount; (d) we shall be entitled OANDA is authorized to make arrangements with or release any of you without thereby affecting in any way act on the obligations or continued liability Instructions of any other Joint Owner, without further inquiry with regard to all Transactions, including without limitation, any Funding Activity, the placement of themOrders, entering into of Trades, and the disposition of any or all assets in the Account. OANDA shall have no responsibility for further inquiry into such apparent authority, and shall bear no liability for the consequences of its acts or omissions made in reliance upon any such Instructions; (e) your liabilities shall not be affected in Each Joint Owner agrees to indemnify and save OANDA harmless from and against any way and all claims that may arise as a result of OANDA following the Instructions given to it by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account HoldersOwner; (f) we In the event of the death or legal incapacity of any Joint Owner, the survivors shall be entitled immediately give OANDA notice thereof and OANDA may, before or after receiving such notice, take such action, require such documents, retain such assets and/or restrict such Transactions as OANDA deems advisable, in its sole and absolute discretion, to act protect itself against any tax, liability, penalty or rely on any communication, request or instruction given or purported loss. The estate of the deceased Joint Owner and the surviving Joint Owners shall continue to be given liable, jointly and severally, to OANDA for any obligations incurred prior to OANDA’s receipt of written notice of the death of such Joint Owner, or for any costs incurred by any OANDA, including reasonable attorney fees, in the liquidation of the Account, or adjustment of the interests of the surviving Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instructionOwners; and (g) any Account Statement or notice relating Unless the Joint Owners advise OANDA in writing to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to contrary, the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched Joint Tenants with Right of Survivorship and received by each in the event of the death of a Joint Owner, the entire interest in this Account shall be vested in the surviving Joint Owners on the same terms and every conditions as previously held, without in any manner releasing the deceased Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the sameOwner from liability under this Agreement.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “5.1 Each Joint Account Holder” Holder jointly and severally agrees to all the terms in this Agreement and/or any Applicable Agreement and shall be jointly and severally liable for the purpose all obligations and Liabilities incurred on or in respect of such Joint Account and pursuant to this Condition): (a) we may at our reasonable discretion issue Agreement and/or any Citibank ATM/Debit Card to Applicable Agreement. The Liability of each Joint Account Holder without reference shall not be discharged or notice affected in any way by the death or incapacity of any other Joint Account Holder. 5.2 In relation to you a Joint Account opened with a joint alternate authority, any Instruction given and/or any Applicable Agreement and/or other documents duly signed by any one Joint Account Holder (and such Citibank ATM/Debit Card may whether in writing or may not come by electronic means as prescribed by the Bank) in accordance with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where signing requirements specified in the context allows include Account Application will be accepted and be binding on each and every Joint Account Holder Holder. 5.3 Where the Joint Account is operated with joint authority, any written Instruction may be given by the Joint Account Holders in whose name one or more counterparts, all of which when taken together shall constitute one and the same Instruction and will be binding on all the Joint Account Holders. Notwithstanding the foregoing and/ or any signing requirement specified in the Account is maintained; Application, you agree that any Joint Account Holder may give Instructions (corally or by electronic means as prescribed by the Bank) you shall be jointly to us singly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled (but not obliged) to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which act on such Instructions and all the Joint Account Holders may have against each other or by the discharge of any one of them shall be liable for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of such Instruction as if they had given such Instructions jointly. 5.4 We may (but shall not be obliged to) credit the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy with funds received in favour of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether without prior notice unless specific Instructions to the contrary are given to us. 5.5 You agree to dispense with or without your knowledge or authority) giving each Joint Account Holder a separate set of Communications and/or any other correspondence in relation to the Joint Account and you that only one set of Communications and/or correspondence shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating sent to the use of Mailing Address. Notwithstanding any Citibank ATM/ Debit Card or any facilities or benefits relating other provision to the Citibank ATM/Debit Card contrary in this Agreement, any Communications and/or other correspondence sent, despatched or any amendment to these Terms and Conditions dispatched delivered by us to any one Joint Account Holder shall be deemed to have been dispatched sent and received by all the Joint Account Holders. (a) Upon receipt of notice of the death of any Joint Account Holder, we may, subject to the production and/or execution of such documents (including any grant of probate or letters of administration) and/or indemnities as we may require, hold the Assets in the Joint Account to the order of the surviving Joint Account Holder(s). This shall be without prejudice to any right (whether present, future, actual, contingent or otherwise) that we may have in respect of any Asset in the Joint Account arising out of any lien, charge, pledge, set-off, counterclaim or otherwise or to any step which we may consider desirable to take in respect of the Joint Account to establish the legality of such holding or in view of any claim by any person other than the surviving Joint Account Holder(s). (b) Any transfer made by us in our absolute discretion of the Assets in the Joint Account to the surviving Joint Account Holder(s) shall constitute a complete discharge of our obligations under this Agreement and/or any Applicable Agreement and we shall be released from all demands, claims, suits and actions whatsoever by the heirs, beneficiaries, executors and/or administrators of the deceased Joint Account Holder. (c) Without limitation to the generality of Clause 31, each and every surviving Joint Account Holder (including yourself) at and/or the time when that personal representatives of any deceased Joint Account Holder receives shall indemnify and hold us harmless from and against any claim, demand, action and proceeding that may be brought against us and any Losses which we may incur or is deemed suffer arising out of or in connection with: (i) the closure of the Joint Account and, if applicable, the opening of a new bank account and/or the transfer of any Asset from the Joint Account to have received such new account; (ii) any transfer of the same.Assets in the Joint Account to the surviving Joint Account Holder(s); (iii) us acting upon or carrying out any Instruction given or purported to be given by the surviving Joint Account Holder(s) and/or the personal representatives of any deceased Joint Account Holder; (iv) any suspension and/or freezing of the operation of the Joint Account and the retention of the Assets in the Joint Account; and (v) any dispute between any surviving Joint Account Holder and any personal representative of the deceased Joint Account Xxxxxx. DBS Bank Ltd., Singapore 14 Co. Reg. No. 196800306E

Joint Account. 16.1 In the event that 18.1 If your Account is a joint Account, each of the joint Account holders (or any of themcollectively the "Joint Owners") is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition):acknowledge that: (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each both Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come Owners will be responsible for complying with the functionality enabling Card Transactions terms of the Agreement individually (this is known as we consider appropriatejoint and several liability); (b) any one or more of the Joint Owners shall have the authority to act on behalf of all references Joint Owners, without notice to “you” shall where the context allows include each and every other Joint Account Holder in whose name the Account is maintainedOwners; (c) you shall be jointly each Joint Owner appoints each and severally bound every other Joint Owner as his/her agent and confers upon each and every Joint Owner the broadest possible power with respect to observe comply and perform the duties and obligations in these Terms and ConditionsAccount; (d) we shall be entitled are authorised to make arrangements with or release any of you without thereby affecting in any way act on the obligations or continued liability instructions of any other Joint Owner, without further inquiry in respect of themall Transactions, including without limitation, the placement of Orders, the entering into of Transactions, and the disposition of any or all assets in the Joint Account. We have no responsibility to further enquire into the authority of the Joint Owners, and will not be responsible for the consequences of any acts or omissions we make in reliance upon any such instructions; (e) your liabilities shall not we will be affected in entitled to recover from any way one or more Joint Owners our reasonable costs of defending any claims by a Joint Owner that may arise as a result of us following the instructions given to us by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account HoldersOwner; (f) any one or more Joint Owners shall immediately notify us in writing in the event of the death or legal incapacity of any other Joint Owner. We may, before or after receiving such notice, take such action, require such documents, retain such assets and/or restrict such Transactions as we deem advisable to protect ourselves against any tax, liability, penalty or loss. The estate of the deceased Joint Owner, together with the surviving Joint Owners, shall be entitled to act or rely on any communication, request or instruction given or purported continue to be given responsible to us for any obligations incurred before we received written notice of the death of such Joint Owner, or for any costs incurred by any us, including reasonable legal fees, in the closure of the Account, or adjustment of the interests of the surviving Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instructionOwners; and (g) any Account Statement or notice relating unless the Joint Owners advise us in writing to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to contrary, the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder Owners shall be deemed to have been dispatched joint tenants with right of survivorship and received by each and every in the event of the death of a Joint Owner, the entire interest in the Joint Account Holder (including yourself) at shall be vested in the time when that surviving Joint Account Holder receives or is deemed to have received Owners on the samesame terms and conditions as previously held, without in any manner releasing the deceased Joint Owner from liability under this Agreement.

Joint Account. 16.1 In the event that If your Account is a joint account, you (or any of them) is maintained jointly for you and one or more other persons (referred to as collectively the “Joint Account Holder” for the purpose of this Condition):Owners”) acknowledge that: (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each All of the Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you Owners shall be jointly and severally bound to observe comply and perform liable for the duties and obligations assumed in these Terms and Conditionsthis Agreement; (db) we Any one or more Joint Owners shall be entitled have the authority to make arrangements with or release any act on behalf of you all Joint Owners, all without thereby affecting in any way notice to the obligations or continued liability of any other of themJoint Owners; (ec) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Each Joint Account Holders may have against Owner hereby appoints each and every other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms Joint Owner as his/her agent and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by confers upon each and every Joint Owner the broadest possible power with respect to the Account; d) OANDA is authorized to act on the Instructions of any Joint Owner, without further inquiry with regard to all Transactions, including without limitation, any Funding Activity, the placement of Orders, entering into of Trades, and the disposition of any or all assets in the Account. OANDA shall have no responsibility for further inquiry into such apparent authority, and shall bear no liability for the consequences of its acts or omissions made in reliance upon any such Instructions; e) Each Joint Owner agrees to indemnify and save OANDA harmless from and against any and all claims that may arise as a result of OANDA following the Instructions given to it by any Joint Owner; f) In the event of the death or legal incapacity of any Joint Owner, the survivors shall immediately give OANDA notice thereof and OANDA may, before or after receiving such notice, take such action, require such documents, retain such assets and/or restrict such Transactions as OANDA deems advisable, in its sole and absolute discretion, to protect itself against any tax, liability, penalty or loss. The estate of the deceased Joint Owner and the surviving Joint Owners shall continue to be liable, jointly and severally, to OANDA for any obligations incurred prior to OANDA’s receipt of written notice of the death of such Joint Owner, or for any costs incurred by OANDA, including reasonable attorney fees, in the liquidation of the Account, or adjustment of the interests of the surviving Joint Owners; and g) Unless the Joint Owners advise OANDA in writing to the contrary, the Account Holder (including yourself) at shall be deemed Joint Tenants with Right of Survivorship and in the time when that event of the death of a Joint Owner, the entire interest in this Account Holder receives or is deemed to have received shall be vested in the samesurviving Joint Owners on the same terms and conditions as previously held, without in any manner releasing the deceased Joint Owner from liability under this Agreement.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ ATM/Debit Card or any facilities or benefits relating to the Citibank ATM/ATM/ Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name 20.4.1 Where the Account is maintained; (c) you shall a joint account, unless otherwise stated in the Account Application, SHKCOM may accept instructions from any of the joint account holders, and each joint account holder agrees with the others to be jointly and severally bound to observe comply and perform the duties and liable for all obligations in these Terms and Conditions; (d) we connection with this Agreement. SHKCOM has no obligation to inquire into the purpose or propriety of any instruction given or to see to the application of any funds delivered by Client or any or more of the joint account holders in respect of the Account. SHKCOM shall be entitled at liberty to release or discharge any of the joint account holders from his/her liability hereunder or to accept any proposition from or make other arrangements with or release any of you the joint account holders without thereby affecting in any way releasing or discharging the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or others or otherwise prejudicing or affecting the rights and remedies of SHKCOM against the other or others and none of the joint account holders nor shall this Agreement be released or discharged by the discharge death of any one of them for any reason them. 20.4.2 Any Confirmation, report, notice or by the invalidity or unenforceability of any of these Terms and Conditions in relation communication given to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether joint account holder in accordance with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder this Agreement shall be deemed to have been dispatched duly given to all joint account holders unless: (i) Client’s correspondence address has been provided in the Account Application, in which case, any such Confirmation, report, notice or communication shall be sent to that correspondence address or such other correspondence address as subsequently notified to SHKCOM in accordance with this Agreement; or (ii) Client has requested and received SHKCOM has accepted that all Confirmations shall be sent to the email addresses of all joint account holders, being the last notified email addresses on SHKCOM’s records and in such case, all Confirmations shall be so given. Any Confirmation, report, notice or communication given by each and every Joint Account Holder (including yourself) at SHKCOM pursuant to the time when that Joint Account Holder receives or is foregoing shall be deemed to have been received by all joint account holders and shall be binding on all of them. 20.4.3 The joint account holders each acknowledge and agree that if any one of them should die, 20.4.3.1 the samesurviving joint account holder(s) should immediately notify SHKCOM in writing of the death; 20.4.3.2 SHKCOM is to pay or deliver to or to the order of the surviving joint account holder(s) any moneys, investments, property, instruments and/or documents standing to the credit of or held for the Account, without prejudice to any right SHKCOM may have in respect of the same arising out of any set-off, counterclaim, lien, charge, pledge or otherwise whatsoever or to any step which SHKCOM may deem it desirable to take in view of any third party claims thereto and/or for protecting the interest of SHKCOM and/or other member(s) of the Group and SHKCOM shall be entitled to require the surviving joint account holder(s) to give and/or sign such document(s) as prescribed by SHKCOM before releasing any money, investment, property, instrument or document to or to the order of such survivor(s); and 20.4.3.3 SHKCOM shall not in any circumstances be liable in any way for any claim, loss, damages, liability, cost, expenses or whatsoever suffered or incurred by any person or entity (including, without limitation, the surviving joint account holder(s)), directly or indirectly, arising from or in connection with any action or inaction taken or chosen by SHKCOM pursuant to Clause 20.4.3.2 or any breach of this Clause 20.4.3 by any of the joint account holders; and the joint account holders each agree to indemnify SHKCOM against all claims, losses, damages, liabilities, costs, expenses and whatsoever suffered or incurred by SHKCOM, directly or indirectly, arising from or in connection with any action or inaction taken or chosen by SHKCOM pursuant to Clause 20.4.3.2 or any breach of this Clause 20.4.3 by any of the joint account holders.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable absolute discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the point-of-sale debit payment functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you together with each and every Joint Account Holder shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you the Joint Account Holders without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name Where the Account is maintained; in two (c2) you shall or more joint names or has two (2) or more Authorised Signatories: all agreements, covenants, terms, stipulations and undertakings expressed to be jointly made by and severally bound to observe comply and perform on the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any part of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder Customer shall be deemed to have been dispatched made by such persons jointly and received by each and every severally; (b) if, the Bank receives contradicting Instructions from Joint Account Holder (including yourself) at holders or Authorised Signatories, the time when that Bank may only act on the Instructions of all the Joint Account Holder receives holders or is the Authorised Signatories, as the case may be, unless otherwise agreed in writing by all the Joint Account holders; (c) the Joint Account holders, constituting the Customer agree to dispense with giving each Joint Account holder separate notices or communications in relation to the Joint Account and any notices or communications addressed and sent by the Bank to the correspondence address or email address stated in the Account Opening Form (if sent by registered mail or email) or the principal Account holder (for all other modes of communication) shall be deemed to have received been served on all other Joint Account holders; (d) no Joint Account holder shall be discharged, nor shall his liability be affected by, any discharge, release, time, indulgence, concession, waiver or consent at any time given or effected in relation to any other Joint Account holder; (e) any written Instruction may be given by the sameJoint Account holders in accordance with the Mandate, in one or more counterparts, all of which when taken together shall constitute one Instruction and will be binding on all the Joint Account holders; and (f) any recommendations of Investment provided by the Bank shall be based on the Customer Risk Profiling Form or Investment Transaction Form of the principal Account holder. 10.2 Notwithstanding Clause 10.1(b), if the Bank receives contradictory Instructions from different Joint Account holders or if the Bank believes there is a dispute between any of the Joint Account holders in relation to any Instructions or to the Joint Account, the Bank may, but shall not be obliged to: (a) Suspend the Joint Account until the Bank receives written instructions from all Account holders together for the future operation of the Joint Account; (b) Proceed to close the Joint Account herein; and/or (c) Take any other action as may be appropriate with notice to the Customer. 10.3 In the event of bankruptcy of any one of the Joint Accountholders, the Joint Account shall be suspended with written notice to the Joint Account Holders. The Bank shall only allow operation of the Joint Account if the prior written authorization from the Director General of Insolvency.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name 16.8.1 Where the Account is maintained; (c) you shall a joint account, unless otherwise stated in the Account Application, SHKFX may accept instructions and offers from any of the joint account holders, and each joint account holder agrees with the others to be jointly and severally bound to observe comply and perform the duties and liable for all obligations in these Terms and Conditions; (d) we connection with this Agreement. SHKFX has no obligation to inquire into the purpose or propriety of any instruction given or to see to the application of any funds delivered by Client or any or more of the joint account holders in respect of the Account. SHKFX shall be entitled at liberty to release or discharge any of the joint account holders from his/her liability hereunder or to accept any proposition from or make other arrangements with or release any of you the joint account holders without thereby affecting in any way releasing or discharging the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or others or otherwise prejudicing or affecting the rights and remedies of SHKFX against the other or others and none of the joint account holders nor shall this Agreement be released or discharged by the discharge death of any one of them for any reason them. 16.8.2 Any Advice, report, notice or by the invalidity or unenforceability of any of these Terms and Conditions in relation communication given to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether joint account holder in accordance with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder this Agreement shall be deemed to have been dispatched duly given to all joint account holders unless: (i) Client’s correspondence address has been provided in the Account Application, in which case, any such Advice, report, notice or communication shall be sent to that correspondence address or such other correspondence address as subsequently notified to SHKFX in accordance with this Agreement; or (ii) Client has requested and received SHKFX has accepted that all Advice shall be sent to the email addresses of all joint account holders, being the last notified email addresses on SHKFX’s records and in such case, all Advice shall be so given. Any Advice, report, notice or communication given by each and every Joint Account Holder (including yourself) at SHKFX pursuant to the time when that Joint Account Holder receives or is foregoing shall be deemed to have been received by all joint account holders and shall be binding on all of them. 16.8.3 The joint account holders each acknowledge and agree that if any one of them should die, 16.8.3.1 the samesurviving joint account holder(s) should immediately notify SHKFX in writing of the death; 16.8.3.2 SHKFX is to pay or deliver to or to the order of the surviving joint account holder(s) any moneys, investments, property, instruments and/or documents standing to the credit of or held for the Account, without prejudice to any right SHKFX may have in respect of the same arising out of any set-off, counterclaim, lien, charge, pledge or otherwise whatsoever or to any step which SHKFX may deem it desirable to take in view of any third party claims thereto and/or for protecting the interest of SHKFX and/or other member(s) of the Group and SHKFX shall be entitled to require the surviving joint account holder(s) to give and/or sign such document(s) as prescribed by SHKFX before releasing any money, investment, property, instrument or document to or to the order of such survivor(s); and 16.8.3.3 SHKFX shall not in any circumstances be liable in any way for any claim, loss, damages, liability, cost, expenses or whatsoever suffered or incurred by any person or entity (including, without limitation, the surviving joint account holder(s)), directly or indirectly, arising from or in connection with any action or inaction taken or chosen by SHKFX pursuant to Clause 16.8.3.2 or any breach of this Clause 16.8.3 by any of the joint account holders; and the joint account holders each agree to indemnify SHKFX against all claims, losses, damages, liabilities, costs, expenses and whatsoever suffered or incurred by SHKFX, directly or indirectly, arising from or in connection with any action or inaction taken or chosen by SHKFX pursuant to Clause 16.8.3.2 or any breach of this Clause 16.8.3 by any of the joint account holders.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name Where the Account is maintained; (c) you shall a joint account, unless otherwise stated in the Spot Account Application, we may accept Instructions and offers from any of the joint account holders, and each joint account holder agrees with the others to be jointly and severally bound to observe comply and perform the duties and liable for all obligations in these Terms and Conditions; (d) we shall be entitled connection with this Spot Agreement. We have no obligation to inquire into the purpose or propriety of any Instruction given or to see the application of any funds delivered by you or any or more of the joint account holders in respect of the Account. We are at liberty to release or discharge any of the joint accounts holders from their liability under the Spot Agreement or to accept any proposition from or make other arrangements with or release any of you the joint account holders without thereby affecting in any way releasing or discharging the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or others or otherwise prejudicing or affecting our rights and remedies against the other or others and none of the joint account holders nor will this Spot Agreement be released or discharged by the discharge death of any one of them for any reason them. Any Advice, report, notice or by the invalidity or unenforceability of any of these Terms and Conditions in relation communication given to any of joint account holder in accordance with this Spot Agreement is deemed to have been duly given to all joint account holders unless: (i) your correspondence address has been provided in the Joint Spot Account Holders Application, in which case, any such Advice, report, notice or by the deathcommunication will be sent to that correspondence address or such other correspondence address as subsequently notified to us in accordance with this Spot Agreement; or (ii) you have requested and we have accepted that all Advice, disabilityreports, mental incapacity notices or bankruptcy of any of the Joint Account Holders; (f) we communications shall be entitled sent to act the e-mail addresses of all joint account holders, being the last notified e-mail addresses on our records and in such case, all Advice, reports, notices or rely on any communicationcommunications will be so given. Any Advice, request report, notice or instruction given or purported to be communication given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating us pursuant to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder this Clause 3.5 shall be deemed to have been dispatched and received by all joint account holders and will be binding on all of them. The joint account holders each acknowledge and every Joint Account Holder agree that if any one of them should die, (including yourselfa) at the time when that Joint Account Holder receives surviving joint account holder(s) should immediately notify us in writing of the death; (b) we are to pay or is deemed deliver to or to the order of the surviving joint account holder(s) any moneys, investments, property, instruments and/or documents standing the credit of or held for the Account, without prejudice to any right we may have received in respect of the samesame arising out of any set-off, counterclaim, lien, charge, pledge or otherwise whatsoever or to any step which we may deem it desirable to take in view of any third party claims and/or for protecting our interest and/or other member(s) of the Group and we are entitled to require the surviving joint account holder(s) to give and/or sign such document(s) as prescribed by us before releasing any money, investment, property, instrument or document to or to the order of such survivor(s); and (c) we will not in any circumstances be liable in any way for any claim, loss, damages, liability, cost or expenses whatsoever suffered or incurred by any person or entity (including, without limitation, the surviving joint account holder(s)), directly or indirectly, arising from or in connection with: (i) any action or inaction taken or chosen by us pursuant to Clause 3.5(c); or (ii) any breach of this Clause 3.5 by any of the joint account holders.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name 21.5.1 Where the Account is maintained; (c) you shall a joint account, unless otherwise stated in the Account Application, SHKB may accept instructions and offers from any of the joint account holders, and each joint account holder agrees with the others to be jointly and severally bound to observe comply and perform the duties and liable for all obligations in these Terms and Conditions; (d) we connection with this Agreement. SHKB has no obligation to inquire into the purpose or propriety of any instruction given or to see to the application of any funds delivered by Client or any or more of the joint account holders in respect of the Account. SHKB shall be entitled at liberty to release or discharge any of the joint account holders from his/her liability hereunder or to accept any proposition from or make other arrangements with or release any of you the joint account holders without thereby affecting in any way releasing or discharging the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or others or otherwise prejudicing or affecting the rights and remedies of SHKB against the other or others and none of the joint account holders nor shall this Agreement be released or discharged by the discharge death of any one of them for any reason them. 21.5.2 Any Advice, report, notice or by the invalidity or unenforceability of any of these Terms and Conditions in relation communication given to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether joint account holder in accordance with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder this Agreement shall be deemed to have been dispatched duly given to all joint account holders unless: (i) Client’s correspondence address has been provided in the Account Application, in which case, any such Advice, report, notice or communication shall be sent to that correspondence address or such other correspondence address as subsequently notified to SHKB in accordance with this Agreement; or (ii) Client has requested and received SHKB has accepted that all Advice shall be sent to the email addresses of all joint account holders, being the last notified email addresses on SHKB’s records and in such case, all Advice shall be so given. Any Advice, report, notice or communication given by each and every Joint Account Holder (including yourself) at SHKB pursuant to the time when that Joint Account Holder receives or is foregoing shall be deemed to have been received by all joint account holders and shall be binding on all of them. 21.5.3 The joint account holders each acknowledge and agree that if any one of them should die, 21.5.3.1 the samesurviving joint account holder(s) should immediately notify SHKB in writing of the death; 21.5.3.2 SHKB is to pay or deliver to or to the order of the surviving joint account holder(s) any moneys, investments, property, instruments and/or documents standing to the credit of or held for the Account, without prejudice to any right SHKB may have in respect of the same arising out of any set-off, counterclaim, lien, charge, pledge or otherwise whatsoever or to any step which SHKB may deem it desirable to take in view of any third party claims thereto and/or for protecting the interest of SHKB and/or other member(s) of the Group and SHKB shall be entitled to require the surviving joint account holder(s) to give and/or sign such document(s) as prescribed by SHKB before releasing any money, investment, property, instrument or document to or to the order of such survivor(s); and 21.5.3.3 SHKB shall not in any circumstances be liable in any way for any claim, loss, damages, liability, cost, expenses or whatsoever suffered or incurred by any person or entity (including, without limitation, the surviving joint account holder(s)), directly or indirectly, arising from or in connection with any action or inaction taken or chosen by SHKB pursuant to Clause 21.5.3.2 or any breach of this Clause 21.5.3 by any of the joint account holders; and the joint account holders each agree to indemnify SHKB against all claims, losses, damages, liabilities, costs, expenses and whatsoever suffered or incurred by SHKB, directly or indirectly, arising from or in connection with any action or inaction taken or chosen by SHKB pursuant to Clause 21.5.3.2 or any breach of this Clause 21.5.3 by any of the joint account holders.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “5.1 Each Joint Account Holder” Holder jointly and severally agrees to all the terms in this Agreement and/or any Applicable Agreement and shall be jointly and severally liable for the purpose all obligations and Liabilities incurred on or in respect of such Joint Account and pursuant to this Condition): (a) we may at our reasonable discretion issue Agreement and/or any Citibank ATM/Debit Card to Applicable Agreement. The Liability of each Joint Account Holder without reference shall not be discharged or notice affected in any way by the death or incapacity of any other Joint Account Holder. 5.2 In relation to you a Joint Account opened with a joint alternate authority, any Instruction given and/or any Applicable Agreement and/or other documents duly signed by any one Joint Account Holder (and such Citibank ATM/Debit Card may whether in writing or may not come by electronic means as prescribed by the Bank) in accordance with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where signing requirements specified in the context allows include Account Application will be accepted and be binding on each and every Joint Account Holder Holder. 5.3 Where the Joint Account is operated with joint authority, any written Instruction may be given by the Joint Account Holders in whose name one or more counterparts, all of which when taken together shall constitute one and the same Instruction and will be binding on all the Joint Account Holders. Notwithstanding the foregoing and/ or any signing requirement specified in the Account is maintained; Application, you agree that any Joint Account Holder may give Instructions (corally or by electronic means as prescribed by the Bank) you shall be jointly to us singly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled (but not obliged) to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which act on such Instructions and all the Joint Account Holders may have against each other or by the discharge of any one of them shall be liable for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of such Instruction as if they had given such Instructions jointly. 5.4 We may (but shall not be obliged to) credit the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy with funds received in favour of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether without prior notice unless specific Instructions to the contrary are given to us. 5.5 You agree to dispense with or without your knowledge or authority) giving each Joint Account Holder a separate set of Communications and/or any other correspondence in relation to the Joint Account and you that only one set of Communications and/or correspondence shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating sent to the use of Mailing Address. Notwithstanding any Citibank ATM/ Debit Card or any facilities or benefits relating other provision to the Citibank ATM/Debit Card contrary in this Agreement, any Communications and/or other correspondence sent, despatched or any amendment to these Terms and Conditions dispatched delivered by us to any one Joint Account Holder shall be deemed to have been dispatched sent and received by all the Joint Account Holders. (a) Upon receipt of notice of the death of any Joint Account Holder, we may, subject to the production and/or execution of such documents (including any grant of probate or letters of administration) and/or indemnities as we may require, hold the Assets in the Joint Account to the order of the surviving Joint Account Holder(s). This shall be without prejudice to any right (whether present, future, actual, contingent or otherwise) that we may have in respect of any Asset in the Joint Account arising out of any lien, charge, pledge, set-off, counterclaim or otherwise or to any step which we may consider desirable to take in respect of the Joint Account to establish the legality of such holding or in view of any claim by any person other than the surviving Joint Account Holder(s). (b) Any transfer made by us in our absolute discretion of the Assets in the Joint Account to the surviving Joint Account Holder(s) shall constitute a complete discharge of our obligations under this Agreement and/or any Applicable Agreement and we shall be released from all demands, claims, suits and actions whatsoever by the heirs, beneficiaries, executors and/or administrators of the deceased Joint Account Holder. (c) Without limitation to the generality of Clause 31, each and every surviving Joint Account Holder (including yourself) at and/or the time when that personal representatives of any deceased Joint Account Holder receives shall indemnify and hold us harmless from and against any claim, demand, action and proceeding that may be brought against us and any Losses which we may incur or is deemed suffer arising out of or in connection with: (i) the closure of the Joint Account and, if applicable, the opening of a new bank account and/or the transfer of any Asset from the Joint Account to have received such new account; (ii) any transfer of the sameAssets in the Joint Account to the surviving Joint Account Holder(s); (iii) us acting upon or carrying out any Instruction given or purported to be given by the surviving Joint Account Holder(s) and/or the personal representatives of any deceased Joint Account Holder; (iv) any suspension and/or freezing of the operation of the Joint Account and the retention of the Assets in the Joint Account; and (v) any dispute between any surviving Joint Account Holder and any personal representative of the deceased Joint Account Xxxxxx.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ ATM/Debit Card or any facilities or benefits benefits relating to the Citibank ATM/ATM/ Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the point-of-sale debit payment functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without Without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ Debit Card or any facilities or benefits benefits relating to the Citibank ATM/Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.

Joint Account. 16.1 In the event that your Account (or any of them) is maintained jointly for you and one or more other persons (referred to as “Joint Account Holder” for the purpose of this Condition): (a) we may at our reasonable discretion issue any Citibank ATM/Debit Card to each Joint Account Holder without reference or notice to you (and such Citibank ATM/Debit Card may or may not come with the point-of-sale debit payment functionality enabling Card Transactions as we consider appropriate); (b) all references to “you” shall where the context allows include each and every Joint Account Holder in whose name the Account is maintained; (c) you shall be jointly and severally bound to observe comply and perform the duties and obligations in these Terms and Conditions; (d) we shall be entitled to make arrangements with or release any of you without thereby affecting in any way the obligations or continued liability of any other of them; (e) your liabilities shall not be affected in any way by any dispute or counterclaim or right of set-off which the Joint Account Holders may have against each other or by the discharge of any one of them for any reason or by the invalidity or unenforceability of any of these Terms and Conditions in relation to any of the Joint Account Holders or by the death, disability, mental incapacity or bankruptcy of any of the Joint Account Holders; (f) we shall be entitled to act or rely on any communication, request or instruction given or purported to be given by any Joint Account Holder (whether with or without your knowledge or authority) and you shall be bound by such communication, request or instruction; and (g) any Account Statement or notice relating to the use of any Citibank ATM/ ATM/Debit Card or any facilities or benefits relating to the Citibank ATM/ATM/ Debit Card or any amendment to these Terms and Conditions dispatched to any Joint Account Holder shall be deemed to have been dispatched and received by each and every Joint Account Holder (including yourself) at the time when that Joint Account Holder receives or is deemed to have received the same.