Common use of Use of Cards Clause in Contracts

Use of Cards. You will ensure that each Card is signed immediately upon receipt and will take every reasonable precaution to keep it safe. This Card is not a credit card and its issuance does not entitle You to overdraw Your Designated Account or otherwise obtain credit from us. You understand that the dollar amount and associated fees of purchases with this Card will be deducted from Your Designated Account. You understand that by activating and using Your Card, You agree to accept and irrevocably honour any and all terms and conditions set out in this Agreement. The Card(s) is our property and we may in our sole discretion refuse to reissue or replace Your Card at any time. You will not use Your Card for any illegal, improper or unlawful purpose. We reserve the right to refuse our authorisation for certain types of transactions as determined by us. You agree and accept that the use of the Card will be at all times subject to statutory restrictions, and/ or regulations that any regulatory authority may impose. You acknowledge and accept that any transaction that FirstCaribbean, in its sole discretion, considers to be in breach of any statutory restrictions, regulations, procedures, suspicious and/or illegal activity or use of the Card for an illegal, improper or unlawful purpose, will be declined. Once You have sufficient funds in Your Designated Account, Your Card(s) may be used for the purchases/ services mentioned below, but not to exceed the daily transaction limits. Should You require a higher maximum daily limit for a special circumstance, please contact us. From time to time there may be exceptions to the daily transaction limits due to security procedures or local interchange restrictions. You can access Your Designated Account through the following Banking Channels (where available): • Designated Automated Teller Machines (“ATM”); • Debit Point of Sale (POS) Terminals that display the VISA and VISA Electron symbols or any other system that we may designate from time to time for purchase transactions paid using Your Card; • FirstCaribbean Online Banking.

Use of Cards. You will ensure that each Card is signed immediately upon receipt and will take every reasonable precaution to keep it safe. You shall not allow Your card to be photocopied by a merchant for any reason. This Card is not a credit card Credit Card and its issuance does not entitle You to overdraw Your Designated Account or otherwise obtain credit from us. You understand that the dollar amount and associated fees of purchases with this Card will be deducted from Your Designated Account. You understand that by activating and using Your Card, You agree to accept and irrevocably honour any and all terms and conditions set out in this Agreement. The Card(s) is our property and we may in our sole discretion refuse to reissue or replace Your Card at any time. You will not use Your Card for any illegal, improper or unlawful purpose. We reserve the right to refuse our authorisation authorization for certain types of transactions as determined by us. You agree and accept that the use of the Card will be at all times subject to statutory restrictions, and/ or and/or regulations that any regulatory authority may impose. You acknowledge and accept that any transaction that FirstCaribbeanwe, in its our sole discretion, considers consider to be in breach of any statutory restrictions, regulations, procedures, suspicious and/or illegal activity or use of the Card for an illegal, improper or unlawful purpose, will be declined. Once You have sufficient funds in Your Designated Account, Your Card(s) may be used for the purchases/ purchases/services mentioned below, but not to exceed the daily transaction limits. Should You require a higher maximum daily limit for a special circumstance, please contact us. From time to time there may be exceptions to the daily transaction limits due to security procedures or local interchange restrictions. You can access Your Designated Account through the following Banking Channels (where available): • Designated Automated Teller Machines (“ATM”); ATMs) • Debit Point of Sale (POS) Terminals that display the VISA and VISA Electron Plus symbols or any other system that we may designate from time to time time, for purchase transactions paid using Your Card; . • FirstCaribbean 1st National Bank Online Banking.Banking • MoBanking You authorize us to accept any of Your instructions, using any of the delivery channels outlined above, as if those instructions were given in writing e.g. instructions to make bill payments, transfer funds between accounts, complete foreign exchange transactions i.e. drafts, wires etc. or any other banking service offered by us from time to time. We may establish and change limits, dollar or otherwise, from time to time, on the various transactions which may be available, without prior notice to You. Under certain circumstances, such as system downtime, transactions may be further limited. The Bank may impose such fees and charges in respect of its services in connection with Your Designated Account and such other services, products or agreements as are agreed with You in writing from time to time. In the absence of any such agreed fees and charges, the Bank may impose its customary fees and charges. The Bank may vary at its sole discretion, the amount and the way of calculating those customary fees and charges by mailing a notice to You (or otherwise publishing it). Any such variations shall take effect as between You and the Bank thirty (30) calendar days after such variations have been made and You will be deemed to have accepted the variations if You use your Card or access Your Designated Account in any way after the effective date as stated herein. The Bank may (without any notice) debit all fees and charges due by You from Your Designated Account, irrespective of whether the fees and charges due relate to or result from any such account. All payments by You under this clause shall be made free of withholding or deduction on account of tax or other charges. Signature: