Common use of Settling Disputes Clause in Contracts

Settling Disputes. If a dispute arises about a transaction for which you used your Card or Cheque, you must settle it directly with the merchant or business concerned. You agree to indemnify the Bank in respect of all claims arising from any such dispute with or by the merchant or any third party. Changing your address You, as the Primary Account Holder, will inform us in writing if you change your mailing and/or residential address. Repaying the amounts you owe When you use Xxxxxxxxxxx Line or allow others to use it, you incur debt. Interest, service charges and fees that we charge you under this Agreement will be added and will form part of your debt. You agree to repay the debt to the Bank. Making a minimum monthly payment If you do not repay your debt in full by the due date stipulated on your statement, you agree to make at least a minimum monthly payment. For unsecured Xxxxxxxxxxx Line accounts, the minimum monthly payment will be a percentage of the balance shown on your monthly statement, subject to a minimum amount, any overlimit amount, plus any past due amount. For secured Xxxxxxxxxxx Line accounts, the minimum monthly payment will be your Xxxxxxxxxxx Line monthly fee, interest on all transactions during statement cycle, Xxxxxxxxxxx Line Balance Protection monthly fee (if applicable), any overlimit amount, plus any past due amount. When we grant you your Xxxxxxxxxxx Line account, we will give you a schedule of rates informing you of the minimum monthly payment. Note: If you do not make the minimum monthly payment by the specified time you will be subject to a late payment service charge. Payments can be made at any branch of the Bank in Bermuda, or through any alternative payment channel offered by the Bank from time to time, including Xxxxxxxxxxx Direct Internet, ATM and Telephone Banking. To make payments through the ATM you will require a Xxxxxxxxxxx Card debit card or ATM card. Up to two full business days are required to process most payments depending upon the channel used. Payments made through Xxxxxxxxxxx Direct Internet, ATM and Telephone Banking are processed the next business day if made before the cut off time advised to you when you make the payment. Payments made by cheques are subject to appropriate clearance periods. Making payment when mail service is disrupted Even when normal mail service is disrupted, you must continue to make payments. If appropriate, we will tell you where to do so, and where to pick up your statement, by advertising on radio or television or in the newspapers. Your statement will be deemed to have been delivered to you on the day it is available for you to pick up, whether or not you do so. Applying your payments We apply your payments first to any unpaid interest charges, then to any billed service charges, and then to any previously billed cash advances. Next, we apply them to any billed purchases on which interest is payable. Next, we apply the payment to unbilled cash advances and then to any unbilled purchases. Requiring you to pay your total debt You or your estate will become liable to pay your total debt immediately, without any notice or demand from us, if you do not carry out your obligations under this Agreement; if you become bankrupt or insolvent, or die, or upon legal attachment, levy or execution against you, your estate or your property; or if any Card, Cheque or PIN is used contrary to this Agreement. You authorise us to charge any of your accounts with us or any of our subsidiaries for any amounts due under this agreement, notwithstanding that all or part of the monies held to your credit may have been deposited for a fixed period which may not have expired, or be in a different currency. Payment of costs and expenses Should it be necessary for the Bank to enforce its rights hereunder in any legal action, you will reimburse the Bank for all costs and expenses including reasonable attorney's fees incurred as a result of such legal action. Personal use You agree that Xxxxxxxxxxx Line may only be used for personal, household or family purposes. It is not intended to be used for business purposes under any circumstances. It is not to be used to purchase real estate. Other services and products You understand that optional services may be available to you at an additional cost. Further, you understand that all services available with Xxxxxxxxxxx Line may be governed by separate agreements or authorisations by which you agree to be bound. You also understand that some of these services are supplied by firms independent of the Bank and that the Bank shall not have any responsibility or liability with respect to such services. To the extent that any other services and products may be provided by us, any such services and products shall be subject to modification or discontinuance by us, at any time, without notice. Xxxxxxxxxxx Line Balance Protection Program Xxxxxxxxxxx Line customers may choose to purchase creditor life insurance. This product is underwritten by Bermuda Life Insurance Company Limited (“The Insurer”) and the Bank does not guarantee their obligations. The Bank acts as an agent of the Insurer and not of the customer. You agree to permit the Bank to carry out transactions where its own interests might conflict with those of the customer. The Bank strongly encourages you to obtain independent legal advice in respect of your insurance arrangement and your contractual rights and obligations.

Settling Disputes. If a dispute arises about a transaction for which you used your Card or ChequeCard, you must settle it directly with the merchant or business concerned. You agree to indemnify the Bank in respect of all claims arising from any such dispute with or by the merchant or any third party. Changing your address address. You, as the Primary Account HolderMain Cardholder, will inform us in writing if you change your mailing and/or residential address in the Cayman Islands. Change of address outside of the Cayman Islands. In the event you are no longer a resident in the Cayman Islands this change will necessitate a review of the continued operation of your Xxxxxxxxxxx / AAdvantage® Standard MasterCard® Credit Card. You will be required, as the Main Cardholder, to notify us within 14 days of your impending change of address. Repaying the amounts you owe owe. When you use Xxxxxxxxxxx Line the Card or allow others to use it, you incur a debt. Interest, service charges and fees that we charge you under this Agreement will be added by us to your debt and will form part of your debt. You agree to repay the debt to the Bank. Making a minimum monthly payment payment. If you do not repay your debt in full by the due date stipulated on your statement, you agree to make at least a minimum monthly payment. For unsecured Xxxxxxxxxxx Line accounts, the The minimum monthly payment will be a percentage of the balance shown on of your monthly statement, subject to a minimum amount, any overlimit amount, plus any past due amount. For secured Xxxxxxxxxxx Line accounts, the minimum monthly payment will be your Xxxxxxxxxxx Line monthly fee, interest on all transactions during statement cycle, Xxxxxxxxxxx Line Balance Protection monthly fee (if applicable), any overlimit over-limit amount, plus any past due amount. When we grant you your Xxxxxxxxxxx Line accountCard, we will give you a schedule of rates informing you of the minimum monthly payment. Note: If if you do not make the minimum monthly payment by the specified time you will be subject to a monthly late payment service charge. Payments can be made at any branch of the Bank in BermudaBanking Centre, or through any alternative payment channel offered by Xxxxxxxxxxx in the Bank from time to timeCayman Islands, including the Bank’s ATMs, and Xxxxxxxxxxx Direct Internet, ATM and Telephone BankingOnline banking. To make payments through the ATM you will require a Xxxxxxxxxxx Card debit card or ATM card. Up to two full business days are required to process most payments depending upon the channel used. All Payments made through Xxxxxxxxxxx Direct Internet, ATM and Telephone Banking are processed the next business day if made before the cut cut-off time advised to you when you make will be processed at midnight and payments made after the paymentcut-off time will be processed the following business day. Payments If your payment is made by cheque or other instruction, drawn on a bank outside the Cayman Islands, your Account will not be credited until we receive settlement from the relevant bank, which takes a minimum of ten working days. For the purpose of the Credit Limit only, payments by cheques are subject drawn on a Cayman Islands bank other than Xxxxxxxxxxx, require a maximum of five business days to appropriate clearance periodsbe posted toward your total indebtedness. Making payment payments when mail service is disrupted disrupted. Even when normal mail service is disrupted, you must continue to make payments. If appropriate, we will tell you where to do so, and where to pick up your statement, by advertising on radio or television or in the newspapers. Your statement will be deemed to have been delivered to you on the day it is available for you to pick up, whether or not you do so. Applying your payments payments. We apply your payments first to any unpaid interest charges, then to any billed service charges, and then to any previously billed cash advances. Next, we apply them to any billed purchases on which interest is payable and then to billed purchases on which interest is not payable. Next, we apply the payment to unbilled cash advances and then to any unbilled purchases. Requiring you to pay your total debt debt. You or your estate will become liable to pay your total debt immediately, without any notice or demand from us, if you do not carry out your obligations under this Agreement; if you become bankrupt or insolvent, or die, or upon legal attachment, levy or execution against you, your estate or your property; or if any Card, Cheque Card or PIN is used contrary to this Agreement. You authorise us to charge any of your accounts with us or any of our subsidiaries for any amounts due under this agreementAgreement, notwithstanding that all or part of the monies moneys held to your credit may have been deposited for a fixed period which may not have expired, or be in a different currency. Payment of costs and expenses expenses. Should it be necessary for the Bank to enforce its rights hereunder in any legal action, action you will reimburse the Bank for all costs and expenses including reasonable attorney's ’s fees incurred as a result of such legal action. Personal use use. You agree that the Xxxxxxxxxxx Line / AAdvantage® Standard MasterCard® Credit Card may only be used for personal, household or family purposes. It is not intended to be used for business purposes under any circumstances. It is not to be used to purchase real estate. The AAdvantage® programme. You will earn one AAdvantage mile for every one US dollar (USD1.00) of billed purchases made on your Account . If you receive a credit on your Account for a purchase that earned AAdvantage® miles, the miles will be withdrawn for that credit. If the deduction would result in a negative balance of AAdvantage miles then no miles will be applied to your Account until you have incurred sufficient transactions to earn the number of AAdvantage miles equal to the negative balance. The AAdvantage miles earned can only be credited to an AAdvantage account in the name of the Main Cardholder. The AAdvantage miles earned on your Card will appear on your AAdvantage statement and will show AAdvantage miles awarded in the period ending with the statement date. The Bank may change the rate at which AAdvantage miles are awarded at any time upon giving you not less than 30 days notice. The Bank will not be responsible for any delay caused by the AAdvantage programme. You should contact AAdvantage customer service to confirm the actual number of AAdvantage miles available at any time for redemption. Xxxxxxxxxxx makes no representations or warranties, expressed or implied, regarding the ability of American Airlines to honour the AAdvantage miles earned with your Xxxxxxxxxxx / AAdvantage Standard MasterCard Credit Card, and in no event shall Xxxxxxxxxxx be liable for any losses or damages of any nature whatsoever resulting from American Airlines’ failure to honour your requests with respect to such AAdvantage miles. You are entitled to earn AAdvantage miles for as long as you comply with the Terms of this Agreement. You authorise us to report to AAdvantage the miles you have earned on your Account. You also authorise us to share with AAdvantage experiential and transactional information regarding you and your Account. While the AAdvantage programme is available through the Bank, purchases less credits will earn AAdvantage miles. No AAdvantage miles will be earned for cash advances, service charges, interest, costs and other transactions not for the purchase of goods or services. This Card is for personal use only. The Bank may refuse to award AAdvantage miles to you for any reasonable reason. You will not earn AAdvantage miles if you fail to make payment when due or if you fail to comply with the Terms of this Agreement. Once AAdvantage miles are posted to your AAdvantage account, you will be entitled to redeem them through the AAdvantage programme. American Airlines reserves the right to change the AAdvantage programme and its terms and conditions at any time without notice, and to end the AAdvantage programme with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage miles earned through this promotion/offer do not count towards elite status qualification. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage programme, call (000) 000 0000 or visit xxx.xx.xxx/xxxxxxxxxx. American Airlines and AAdvantage® are marks of American Airlines, Inc. Other Cardholder services and products products. You understand that optional services may be available to you at an additional cost. Further, you understand that all services available with Xxxxxxxxxxx Line the Card may be governed by separate agreements or authorisations by which you agree to be bound. You also understand that some of these services are supplied by firms independent of the Bank and that the Bank shall not have any responsibility or liability with respect to such services. To the extent that any other Cardholder services and products may be provided by us, any such services and products shall be subject to modification or discontinuance by us, at any time, without notice. Xxxxxxxxxxx Line Balance Protection Program Xxxxxxxxxxx Line customers may choose to purchase creditor life insuranceTelling you about interest rates, service charges, penalty fees and our annual fee. This product is underwritten by Bermuda Life Insurance Company Limited (“The Insurer”) When we give you your Card, we will also give you a notice telling you about current prevailing interest rates, service charges, penalty fees and the Bank does not guarantee their obligationsour annual fee. The Bank acts as annual fee will appear on your first monthly statement and is not refundable. In subsequent years, annual fees are charged on the anniversary statement each year. We will mail to your mailing address details of any changes to any of these rates or amounts. Note: all rates are subject to change without notice. Card fee and Renewal of Cards. You will be charged an agent issuance fee upon issuance of the Insurer Cards, and not thereafter an annual fee for continued use of the customerCard. We will issue a renewal or replacement Card before the current Card expires, and we will continue in this manner until you instruct us in writing to the contrary. Insurance coverage and other services and products. You agree that we shall have no liability or responsibility whatsoever for any loss, claims or cause of action you suffer by reason of or in any way connected with the provisions or termination of provision of any insurance coverage or other services or products which may be provided to cardholders by third parties. You agree to permit indemnify, defend and hold us harmless for claim, cause of action or cost which we shall suffer by reason or your actions or omission arising from or in any way related thereto Cancelling this Agreement. You can cancel this Agreement by informing us in writing that you want to do so and returning the Bank Card(s) to carry out transactions where its own interests might conflict with those us. We, too, can cancel this Agreement by informing you in writing. We can also cancel your Card. The Card is always our property and you are required to give it back to us, or someone acting on our behalf when requested. If either of us cancels this Agreement, you still have to pay your debt and any other amounts you owe us in full. Unenforceability of certain parts of this Agreement. If any part of this Agreement shall be held invalid, illegal or unenforceable, the validity, legality or enforceability of the customerremainder of this Agreement shall not in any way be affected or impaired. The Bank strongly encourages you If we change this Agreement or the services we offer. We can unilaterally change this Agreement or the services that are available with this Card without prior notice. We may assign this Agreement or our rights hereunder without notice to obtain independent legal advice in respect you. Disclosure of information. We may disclose information about your insurance arrangement and your contractual rights and obligations.account:

Settling Disputes. If a dispute arises about a transaction for which you used your Card or ChequeCard, you must settle it directly with the merchant or business concerned. You agree to indemnify the Bank in respect of all claims arising from any such dispute with or by the merchant or any third party. Changing your address address. You, as the Primary Account HolderMain Cardholder, will inform us in writing if you change your mailing and/or residential address in the Cayman Islands. Change of address outside of the Cayman Islands. In the event you are no longer a resident in the Cayman Islands this change will necessitate our review of the continued operation of your Xxxxxxxxxxx / AAdvantage® Platinum Mas- terCard® Credit Card. You will be required, as the Main Cardholder, to notify us within 14 days of your impending change of address. Repaying the amounts you owe owe. When you use Xxxxxxxxxxx Line the Card or allow others to use it, you incur a debt. Interest, service charges and fees that we charge you under this Agreement will be added by us to your debt and will form part of your debt. You agree to repay the debt to the Bank. Making a minimum monthly payment payment. If you do not repay your debt in full by the due date stipulated on your statement, you agree to make at least a minimum mini- mum monthly payment. For unsecured Xxxxxxxxxxx Line accounts, the The minimum monthly payment will be a percentage of the balance shown on of your monthly statement, subject to a minimum amount, any overlimit amount, plus any past due amount. For secured Xxxxxxxxxxx Line accounts, the minimum monthly payment will be your Xxxxxxxxxxx Line monthly fee, interest on all transactions during statement cycle, Xxxxxxxxxxx Line Balance Protection monthly fee (if applicable), any overlimit over-limit amount, plus any past due amount. When we grant you your Xxxxxxxxxxx Line accountCard, we will give you a schedule of rates informing you of the minimum monthly payment. Note: If if you do not make the minimum monthly payment by the specified time you will be subject to a monthly late payment service charge. Payments can be made at any branch of the Bank in BermudaBank- ing Centre, or through any alternative payment channel offered by Xxxxxxxxxxx in the Bank from time to timeCayman Islands, including the Bank’s ATMs, and Xxxxxxxxxxx Direct Internet, ATM and Telephone BankingOnline bank- ing. To make payments through the ATM you will require a Xxxxxxxxxxx Card debit card or ATM card. Up to two full business days are required to process most payments depending upon the channel used. All Payments made through Xxxxxxxxxxx Direct Internet, ATM and Telephone Banking are processed the next business day if made before the cut cut-off time advised to you when you make will be processed at midnight and payments made after the paymentcut-off time will be processed the following busi- ness day. Payments If your payment is made by cheque or other instruction, drawn on a bank outside the Cayman Islands, your Account will not be credited until we receive settlement from the relevant bank, which takes a minimum of ten working days. For the purpose of the Credit Limit only, payments by cheques are subject drawn on a Cayman Islands bank other than Xxxxxxxxxxx, require a maximum of five business days to appropriate clearance periodsbe posted toward your total indebtedness. Making payment payments when mail service is disrupted disrupted. Even when normal mail service ser- vice is disrupted, you must continue to make payments. If appropriate, we will tell you where to do so, and where to pick up your statement, by advertising on radio or television or in the newspapers. Your statement will be deemed to have been delivered to you on the day it is available for you to pick up, whether or not you do so. Applying your payments payments. We apply your payments first to any unpaid interest charges, then to any billed service charges, and then to any previously billed cash advances. Next, we apply them to any billed purchases on which inter- est is payable and then to billed purchases on which interest is not payable. Next, we apply the payment to unbilled cash advances and then to any unbilled purchases. Requiring you to pay your total debt debt. You or your estate will become liable to pay your total debt immediately, without any notice or demand from us, if you do not carry out your obligations under this Agreement; if you become bankrupt bank- rupt or insolvent, or die, or upon legal attachment, levy or execution against you, your estate or your property; or if any Card, Cheque Card or PIN is used contrary to this Agreement. You authorise us to charge any of your accounts with us or any of our subsidiaries for any amounts due under this agreementAgreement, notwithstanding that all or part of the monies moneys held to your credit may have been deposited for a fixed period which may not have expired, or be in a different currency. Payment of costs and expenses expenses. Should it be necessary for the Bank to enforce its rights hereunder in any legal action, action you will reimburse the Bank for all costs and expenses including reasonable attorney's ’s fees incurred as a result of such legal action. Personal use You agree that Xxxxxxxxxxx Line may only be used for personal, household or family purposes. It is not intended to be used for business purposes under any circumstances. It is not to be used to purchase real estate. Other services and products You understand that optional services may be available to you at an additional cost. Further, you understand that all services available with Xxxxxxxxxxx Line may be governed by separate agreements or authorisations by which you agree to be bound. You also understand that some of these services are supplied by firms independent of the Bank and that the Bank shall not have any responsibility or liability with respect to such services. To the extent that any other services and products may be provided by us, any such services and products shall be subject to modification or discontinuance by us, at any time, without notice. Xxxxxxxxxxx Line Balance Protection Program Xxxxxxxxxxx Line customers may choose to purchase creditor life insurance. This product is underwritten by Bermuda Life Insurance Company Limited (“The Insurer”) and the Bank does not guarantee their obligations. The Bank acts as an agent of the Insurer and not of the customer. You agree to permit the Bank to carry out transactions where its own interests might conflict with those of the customer. The Bank strongly encourages you to obtain independent legal advice in respect of your insurance arrangement and your contractual rights and obligations.

Settling Disputes. If a dispute arises about a transaction for which you used your Card or ChequeCard, you must settle it directly with the merchant or business concerned. You agree to indemnify the Bank in respect of all claims arising from any such dispute with or by the merchant or any third party. Changing your address You, as the Primary Account Holder, You will inform advise us in writing if you change your mailing and/or residential addressBusiness address or telephone number and you will provide us with any other information that we may need from time to time to keep our records up to date. Repaying the amounts you owe When you use Xxxxxxxxxxx Line the Card or allow others to use it, you incur a debt. Interest, service charges and annual fees that we charge you under this Agreement will be added by us to your debt and will form part of your debt. You agree to repay the debt to the Bank. Making a minimum monthly payment If you do not repay your debt in full by the due date stipulated on your statement, you agree to make at least a minimum monthly payment. For unsecured Xxxxxxxxxxx Line accounts, the The minimum monthly payment will be a percentage of the balance shown on of your monthly statement, subject to a minimum amount, any overlimit amount, plus any past due amount. For secured Xxxxxxxxxxx Line accounts, the minimum monthly payment will be your Xxxxxxxxxxx Line monthly fee, interest on all transactions during statement cycle, Xxxxxxxxxxx Line Balance Protection monthly fee (if applicable), any overlimit over limit amount, plus any past due amount. When we grant you your Xxxxxxxxxxx Line accountCard, we will give you a schedule of rates informing you of the minimum monthly payment. Note: If you do not make the minimum monthly payment by the specified time you will be subject to a monthly late payment service charge. Payments can be made at any branch of the Bank in BermudaBanking Centre, or through any alternative payment channel offered by the Bank from time to timetime in Bermuda, including the Bank’s ATMs, Telephone Banking and Xxxxxxxxxxx Direct Internet, ATM and Telephone Internet Banking. To make payments at an ATM or through the ATM Telephone Banking you will require a Xxxxxxxxxxx Card debit card or ATM card. Up to two full business days are required to process most Making payments depending upon the channel used. Payments made through Xxxxxxxxxxx Direct Internet, ATM and Telephone Banking are processed the next business day if made before the cut off time advised to you when you make the payment. Payments made by cheques are subject to appropriate clearance periods. Making payment when mail service is disrupted Even when normal mail service is disrupted, you must continue to make payments. If appropriate, we will tell you where to do so, and where to pick up your statement, by advertising on radio or television or in the newspapers. Your statement will be deemed to have been delivered to you on the day it is available for you to pick up, whether or not you do so. Applying your payments We apply your payments first to any unpaid interest charges, then to any billed service charges, and then to any previously billed cash advances. Next, we apply them to any billed purchases on which interest is payable and then to billed purchases on which interest is not payable. Next, we apply the payment to unbilled cash advances and then to any unbilled purchases. Requiring you to pay your total debt You or your estate will become liable to pay your total debt immediately, without any notice or demand from us, if you do not carry out your obligations under this Agreement; if you become bankrupt or insolvent, or die, or upon legal attachment, levy or execution against you, your estate or your property; or if any Card, Cheque Card or PIN is used contrary to this Agreement. You authorise us to charge any of your accounts with us or any of our subsidiaries for any amounts due under this agreementAgreement, notwithstanding that all or part of the monies moneys held to your credit may have been deposited for a fixed period which may not have expired, or be in a different currency. Payment of costs and expenses Should it be necessary for the Bank to enforce its rights hereunder in any legal action, action you will reimburse the Bank for all costs and expenses including reasonable attorney's ’s fees incurred as a result of such legal action. Personal The BA Executive Club Programme You will receive one BA Mile for each dollar of qualifying billed purchases made on your Account. You will receive two BA Miles for each dollar of British Airways billed purchases made on your Account. If you receive a credit on your Account for a purchase that earned BA Miles, the miles will be withdrawn for that credit. If the deduction would result in a negative balance of BA Miles then no miles will be applied to your Account until you have incurred sufficient transactions to earn the number of BA Miles equal to the negative balance. The BA Miles earned can only be credited to a British Airways Executive Club Account in the name of the Cardholder. To be eligible to earn BA Miles with your British Airways Business Visa® Card, you must be a resident of Bermuda and be enrolled in the British Airways Executive Club Programme. If you are not already a member, you will be enrolled automatically if you are approved for the Card. If your address changes and is no longer a Bermudan address, you will no longer earn BA Miles when using the British Airways Business Visa® Card. For rules and regulations of the British Airways Executive Club Programme, please visit xxx.xx.xxx. All BA Miles accumulated through the British Airways Business Visa® Card will be transferred to your Executive Club Account. Redemption of BA Miles for travel is solely the responsibility of British Airways. BA Miles are not earned on balance transfers, cash advances, or fees, including fees for products that protect or insure the balance of the Cardholder’s Account. Miles earned with the British Airways Visa® Card will not be credited toward British Airways Executive Club tier level progression or retention. The BA Miles earned on your Card will appear on your British Airways Executive Club statement and will show BA Miles awarded in the period ending with the statement date. You should log into your British Airways Executive Club Account at xxx.xx.xxx to confirm the actual number of BA Miles available at any time for redemption. You are entitled to earn BA Miles for as long as you comply with the Terms of this Agreement and the British Airways Executive Club Programme. By completing and signing the application, you authorise all non-financial data supplied by or relating to you to be supplied to British Airways or any related party of British Airways for the purpose of administering your British Airways Executive Club Account and that the address information supplied by or relating to you at the time of applying to be a member of the British Airways Executive Club (as amended from time to time) will be supplied to the Bank. In addition, you authorise us to report to British Airways Executive Club the BA Miles you have earned on your British Airways Visa® Card Account. While the earning of BA Miles is available through the Bank, purchases less credits will qualify for BA Miles. No BA Miles will be awarded for cash advances, service charges, interest, costs and other transactions not for the purchase of goods or services. This Card is for business use only. The Bank may refuse to award BA Miles to you for any reasonable reason. You will not receive BA Miles if you fail to make payment when due or if you fail to comply with the Terms of this Agreement. Once BA Miles are transferred to your British Airways Executive Club Account, you will be entitled to redeem them within the terms of the Executive Club Programme. BA Miles earned on employee’s business card accounts will be allocated to the British Airways Executive Club Account of the individual who is responsible for the underlying British Airways Business Visa® Card issued by Xxxxxxxxxxx. For complete details on the British Airways Executive Club Programme, visit xxx.xx.xxx Third-party offers From time to time, third parties may provide you with benefits not related to the extension of Account credit. We are not liable for these features, services and enhancements, as they are the sole responsibility of the third party provider. The Issuer and/or a third party may add, change or delete entirely these benefits without notice or liability to you, to the extent permitted by applicable law. You agree that Xxxxxxxxxxx Line may only be used for personalto hold us faultless from any claims, household actions, or family purposes. It is not intended to be used for business purposes under damages resulting from your use of any circumstances. It is not to be used to purchase real estateof these features, services or enhancements, when permitting by applicable law. Other Cardholder services and products You understand that optional services may be available to you at an additional cost. Further, you understand that all services available with Xxxxxxxxxxx Line the Card may be governed by separate agreements or authorisations by which you agree to be bound. You also understand that some of these services are supplied by firms independent of the Bank and that the Bank shall not have any responsibility or liability with respect to such services. To the extent that any other Cardholder services and products may be provided by us, any such services and products shall be subject to modification or discontinuance by us, at any time, without notice. Xxxxxxxxxxx Line Balance Protection Program Xxxxxxxxxxx Line customers may choose to purchase creditor life insurance. This product is underwritten by Bermuda Life Insurance Company Limited (“The Insurer”) Telling you about interest rates, service charges, penalty fees and the Bank does not guarantee their obligationsour annual fee When we give you your Card, we will also give you a notice telling you about current prevailing interest rates, service charges, penalty fees and our annual fee. The Bank acts as an agent annual fee will appear on your first monthly statement and is not refundable. In subsequent years, annual fees are charged on the anniversary statement each year. We will mail to your mailing address details of any changes to any of these rates or amounts. Note: All rates are subject to change without prior notice. Cancelling this Agreement You can cancel this Agreement by informing us in writing that you want to do so and returning the Card(s) to us. We, too, can cancel the Agreement by informing you in writing. We can also cancel your Card. The Card is always our property and you are required to give it back to us, or someone acting on our behalf when requested. If either of us cancels this Agreement, you still have to pay your debt and any other amounts you owe us in full. Unenforceability of certain parts of this Agreement If any part of this Agreement shall be held invalid, illegal or unenforceable, the validity, legality or enforceability of the Insurer and remainder of this Agreement shall not of in any way be affected or impaired. If we change this Agreement or the customerservices we offer We can unilaterally change this Agreement or the services that are available with this Card without prior notice. We may assign this Agreement or our rights hereunder without notice to you. Business Information You agree to permit the Bank furnish us with annual financial statements and other business information from time to carry out transactions where its own interests might conflict with those of the customertime (but at least once per calendar year) and you hereby consent to our furnishing information concerning you under this Agreement to third parties, including credit agencies and our affiliates. The Bank strongly encourages you You further agree to obtain independent legal advice in respect give us not less than 30 days prior written notice of your insurance arrangement intent to transfer, register a transfer of, or sell a substantial part (10%) or more of your total issued share capital or assets, or to change the basic nature of your business, or to liquidate or seek bankruptcy protection. This Agreement is in conjunction with the application’s Terms and Conditions. Disclosure of information We may give details of your contractual rights Account or your name and obligationsaddress to anyone if: the law says we must; we have a public duty to do so; this is necessary to protect our interests; or you ask us to provide details to someone else (for example, by signing an application form that includes an appropriate declaration). We may also give credit reference agencies information about your Account. In the event that we need to forward Account information to third-party data processors located outside of Bermuda, you acknowledge the need for such commercial arrangements and authorise this to occur. By using this Card, you consent to and authorise any such disclosure.

Settling Disputes. If a dispute arises about a transaction for which you used your Card or ChequeCard, you must settle it directly with the merchant or business concerned. You agree to indemnify the Bank in respect of all claims arising from any such dispute with or by the merchant or any third party. Changing your address You, as the Primary Account HolderMain Cardholder, will inform us in writing if you change your mailing and/or residential address in the Cayman Islands. Change of address outside of the Cayman Islands In the event you are no longer resident in Bermuda this change will necessitate our review of the continued operation of your Xxxxxxxxxxx / AAdvantage® Mastercard® Black™. You will be required, as the Main Cardholder, to notify us within 14 days of your impending change of address. Repaying the amounts you owe When you use Xxxxxxxxxxx Line the Card or allow others to use it, you incur a debt. Interest, service charges and annual fees that we charge you under this Agreement will be added by us to your debt and will form part of your debt. You agree to repay the debt to the Bank. Making a minimum monthly payment If you do not repay your debt in full by the due date stipulated on your statement, you agree to make at least a minimum monthly payment. For unsecured Xxxxxxxxxxx Line accounts, the The minimum monthly payment will be a percentage of the balance shown on of your monthly statement, subject to a minimum amount, any overlimit over-limit amount, plus any past due amount. For secured Xxxxxxxxxxx Line accounts, the minimum monthly payment will be your Xxxxxxxxxxx Line monthly fee, interest on all transactions during statement cycle, Xxxxxxxxxxx Line Balance Protection monthly fee (if applicable), any overlimit amount, plus any past due amount. When we grant you your Xxxxxxxxxxx Line account, we will give you You can find a complete schedule of rates informing you of the minimum monthly paymentpayment and all related credit card fees on our website. Note: If you do not make the minimum monthly payment by the specified time you will be subject to a monthly late payment service charge. Payments can be made at any branch of the Bank in BermudaBanking Centre, or through any alternative payment channel offered by Xxxxxxxxxxx in the Bank from time to timeCayman Islands, including the Bank’s ATMs, Xxxxxxxxxxx Direct InternetOnline Banking, ATM and Telephone Xxxxxxxxxxx Mobile Banking. To make payments through the at an ATM you will require a Xxxxxxxxxxx Card debit card or ATM cardDebit Mastercard® Card. Up to two full business days are required to process most payments payments, depending upon the channel used. Payments made through an ATM, Xxxxxxxxxxx Direct InternetOnline Banking, ATM and Telephone Xxxxxxxxxxx Mobile Banking are processed the next business day if made before the cut cut-off time advised to you when you make the payment. Payments If your payment is made by cheque drawn on a bank outside the Cayman Islands, your Account will not be credited until we receive settlement from the relevant bank, which takes a minimum of ten working days. Payments by cheques are subject drawn on a Cayman Islands Bank other than Xxxxxxxxxxx, requires a maximum of five business days to appropriate clearance periodsbe posted toward your total indebtedness. Making payment payments when mail service is disrupted Even when normal mail service is disrupted, you must continue to make payments. If appropriate, we will tell you where to do so, and where to pick up your statement, by advertising on radio or television or in the newspapers. Your statement will be deemed to have been delivered to you on the day it is available for you to pick up, whether or not you do so. Applying your payments We apply your payments first to any unpaid interest charges, then to any billed service charges, and then to any previously billed cash advances. Next, we apply them to any billed purchases on which interest is payable and then to billed purchases on which interest is not payable. Next, we apply the payment to unbilled cash advances and then to any unbilled purchases. Requiring you to pay your total debt You or your estate will become liable to pay your total debt immediately, without any notice or demand from us, if you do not carry out your obligations under this Agreement; if you become bankrupt or insolvent, or die, or upon legal attachment, levy or execution against you, your estate or your property; or if any Card, Cheque Card or PIN is used contrary to this Agreement. You authorise us to charge any of your accounts ofyour Accounts with us or any of our ofour subsidiaries for any amounts due under this agreementAgreement, notwithstanding that all or part of the monies held to your credit may have been deposited for a fixed period which may not have expired, or be in a different currency. Payment of costs and expenses Should it be necessary for the Bank to enforce its rights hereunder in any legal action, action you will reimburse the Bank for all costs and expenses including reasonable attorney's ’s fees incurred as a result of such legal action. Personal use You agree that the Xxxxxxxxxxx Line / AAdvantage® Mastercard® Black™ Credit Card may only be used for personal, household or family purposes. It is not intended to be used for business purposes under any circumstances. It is not to be used to purchase real estate. Other services The AAdvantage® Programme You will earn 1.25 AAdvantage® miles for every one US dollar (US$1.00) of billed purchases made on your Account. If you receive a credit on your Account for a purchase that earned AAdvantage® miles, the miles will be withdrawn for that credit. If the deduction would result in a negative balance of AAdvantage® miles then no miles will be applied to your Account until you have incurred sufficient transactions to earn the number of AAdvantage® miles equal to the negative balance. The AAdvantage® miles earned can only be credited to an AAdvantage® Account in the name of the Main Cardholder. The AAdvantage® miles earned on your Card will appear on your AAdvantage® statement and products You understand that optional services will show AAdvantage® miles awarded in the period ending with the statement date. The Bank may change the rate at which AAdvantage® miles are awarded at any time upon giving you not less than 30 days notice. The Bank will not be available to you at an additional cost. Further, you understand that all services available with Xxxxxxxxxxx Line may be governed responsible for any delay caused by separate agreements or authorisations by which you agree to be boundthe AAdvantage® programme. You also understand that some should contact AAdvantage® customer service to confirm the actual number of these services are supplied by firms independent AAdvantage® miles available at any time for redemption. Xxxxxxxxxxx makes no representations or warranties, expressed or implied, regarding the ability of American Airlines to honour the Bank AAdvantage® miles earned with your Xxxxxxxxxxx / AAdvantage Mastercard Black™ Credit Card, and that the Bank in no event shall not have Xxxxxxxxxxx be liable for any responsibility losses or liability damages of any nature whatsoever resulting from American Airlines’ failure to honour your requests with respect to such AAdvantage® miles. You are entitled to earn AAdvantage® miles for as long as you comply with this Agreement. You authorise us to report to AAdvantage® the miles you have earned on your Account. You also authorise us to share with AAdvantage® experiential and transactional information regarding you and your Account. While the AAdvantage® programme is available through the Bank, purchases less credits will earn AAdvantage® miles. No AAdvantage® miles will be earned for cash advances, service charges, interest, costs and other transactions not for the purchase of goods or services. To the extent that any other services and products may be provided by us, any such services and products shall be subject to modification or discontinuance by us, at any time, without notice. Xxxxxxxxxxx Line Balance Protection Program Xxxxxxxxxxx Line customers may choose to purchase creditor life insurance. This product Card is underwritten by Bermuda Life Insurance Company Limited (“The Insurer”) and the Bank does not guarantee their obligationsfor personal use only. The Bank acts as an agent of the Insurer and not of the customermay refuse to award AAdvantage® miles to you for any reasonable reason. You agree will not earn AAdvantage® miles if you fail to permit make payment when due or if you fail to comply with the Bank Terms of this Agreement. Once AAdvantage® miles are posted to carry out transactions where your AAdvantage® account, you will be entitled to redeem them through the AAdvantage® programme. American Airlines reserves the right to change the AAdvantage® programme and its own interests might conflict terms and conditions at any time without notice, and to end the AAdvantage® programme with those of six months notice. Any such changes may affect your ability to use the customerawards or mileage credits that you have accumulated. The Bank strongly encourages you to obtain independent legal advice in respect of your insurance arrangement and your contractual rights and obligationsUnless specified, AAdvantage® miles earned through this promotion/ offer do not count towards elite status qualification. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® programme, call (000) 000 0000 or visit xxx.xx.xxx/xxxxxxxxxx.