Common use of USING THE ACCOUNT Clause in Contracts

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other person. You must not allow any person other than a Cardholder to use the Account. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse to process any TD Visa Cheque. We do not allow stop payments on TD Visa Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulent. We may block use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizens.

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is You are responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other person. You must not allow any person other than a Cardholder to use the Account. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. Although the Account is intended to be used by the Cardholder, if the Business Borrower or an Individual Borrower uses the Account, you will all be liable for each use of the Account. Authority: We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. In some cases, we may only accept instructions from the Business Borrower or an Individual Borrower. The Primary Business Borrower, an Individual Borrower, or if we permit, a Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is you are responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse to process any TD Visa Cheque. We do not allow stop payments on TD Visa Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulent. We may block use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for business purposes and not for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (“OFAC”) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizens.

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is You are responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other person. You must not allow any person other than a Cardholder to use the Account. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. Although the Account is intended to be used by the Cardholder, if the Business Borrower or an Individual Borrower uses the Account, you will all be liable for each use of the Account. Authority: We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. In some cases, we may only accept instructions from the Business Borrower or an Individual Borrower. The Primary Business Borrower, an Individual Borrower, or if we permit, a Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is you are responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse to process any TD Visa Cheque. We do not allow stop payments on TD Visa Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulent. We may block use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for business purposes and not for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizens.

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other person. You must not allow any person other than a Cardholder to use the Account. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Access Cheques at any time. We can also refuse to process any TD Visa Access Cheque. We do not allow stop payments on TD Visa Access Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulent. We may block use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizens.

USING THE ACCOUNT. CARD AND CONVENIENCE CHECKS. You represent that your Account will be used exclusively for business or commercial purposes and not for personal, family or household purposes. Before using the Card, it must be signed by the Authorized Officer or the Authorized User whose name appears below the Business Entity name on the Card. By requesting, signing, keeping, using or authorizing an Au- thorized User to use, the Account, Card and/or Convenience Checks we issue to you, you agree to accept the terms of this Agreement. If you are an Authorized Officer obtaining an Account for your Business Entity, you agree to the terms of this Agreement in your personal capacity as well as your capacity as an officer or owner authorized to bind the Business to this Agreement. You may use the Account for: • Purchases; • Cash Advances; • Access for purchases made in person, by phone, mail or the Internet, from anyone who accepts Visa cards. In addition, you may obtain cash advances from Purdue Federal, other financial institutions participating in the Visa program and select Automated Teller Machines (ATMs), such as Visa ATM Network, that provide access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, Visa system (not the Bank’s, to make the appropriate arrangements with that Cardholder or other personall ATMs provide such access). You must not allow any person other than a Cardholder will need to use your Personal Identification Number (PIN) to obtain a cash advance from an ATM. Upon request we will furnish you with a PIN. You agree to keep the AccountPIN confidential. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any You also agree that use of the Account PIN and Card to make a purchase or obtain a Card, even if a Cardholder wanted to limit that usecash advance constitutes your signature for purposes of such transactions. We can let any Cardholder give us instructions for will begin charging interest on your cash advance from the Account without the approval date of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other personyour cash advance transaction. We may limit make no representation that any particular person, entity or ATM will accept the number of Cards issued on the Account. When you pay Card for goods and services using your Card number without using your Card purchase or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Cardcash advance. You may not use the Card before the valid from date for any illegal transaction or after the expiry date shown on the Card. Howeverpurpose, if including any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse to process any TD Visa Cheque. We do not allow stop payments on TD Visa Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulentinternet gambling transaction. We may block supply you with Convenience Checks from time to time. You may use these checks to draw from your available Credit Limit on your Account. A Convenience Check drawn on your Account is a loan from Purdue Federal to you and will be treated like a cash advance under this Agreement. We will begin charging interest on the amount of the Card or Convenience Check from the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use date of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizensConvenience Check transaction.

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to If your other accounts at the Bank or our affiliates; application for a VISA® Credit Card is approved, United Catholics Federal Credit Union will establish a line of credit for you and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If notify you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is of your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other personcredit limit. You must not allow any person Agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other than a Cardholder to use the Account. If a Cardholder lets someone else use the charges”) that you will have outstanding on your Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse Each payment you make to process any TD Visa Cheque. We do not allow stop payments on TD Visa Chequesyour Account will restore your credit limit by the amount of the payment, which is applied to the principal amount of purchases, cash advances, and balance transfers, unless you are over your credit limit. If you are over your credit limit, you must pay the amount over your credit limit before payments begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to United Catholics Federal Credit Union. United Catholics Federal Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law. If your credit limit is increased, you are immediately responsible for the new credit limit and any increase in the Account Balance even when it differs from an amount previously agreed in writing or orally. USING THE CARD - You may use the Card outside of Canada your card to withdraw purchase goods and services in person, online, and by mail or telephone from merchants and others who accept VISA® cards. In addition, you may obtain cash advances from the Bank Credit Union, from other financial institutions, select merchants participating in the VISA® Program and from automated teller machines (ATMs), such as the VISA® ATM Network, that provide access to the VISA® system (not all merchants or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than ATMs provide such access). You will need to use your Personal Identification Number (PIN) to obtain a cash withdrawal advance from an ATM. ILLEGAL USE OF VISA CREDIT CARD - You agree that your other account because VISA® Credit Card Account will not be used to make or facilitate any transaction(s) that are or might be construed to be illegal pursuant to applicable law, rule or ordinance, including, but not limited to gambling. Said use, including any such authorized use, will constitute an event of certain limitations in some countriesdefault under this Agreement. You agree not that the Credit Union has no liability, responsibility, or culpability whatsoever for any such use by you or any authorized user(s). You agree that you are responsible for repayment of any and all debts incurred for these transactions. You further agree to indemnify and hold United Catholics Federal Credit Union harmless from any suits, liability, damages, or adverse action of any kind that results directly or indirectly from such illegal use. PROMISE TO PAY - You agree to pay all charges (purchases, cash advances, balance transfers, convenience checks or any other charges made) to your account made by you or anyone who you authorize to use your account. You also promise to pay all finance charges and other charges added to your Account under the Card terms of this Agreement or another agreement you made with United Catholics Federal Credit Union. Your obligation to pay the amount owed on your account continues until paid in full even through an agreement, divorce decree, or other court judgement which United Catholics Federal Credit Union is not a party may direct someone else to pay the Account Balance. Each of you who signs the application for anything illegal a card or fraudulent. We may block who use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the is individually and jointly responsible for all amounts owed on this Account. This includes transactions relating to Internet gambling means that United Catholics Federal Credit Union can enforce this Agreement against any of you individually or where we have any other reasonable grounds to do soall of you collectively. You agree you will use the Card or the Account for personalMOBILE PHONES OR OTHER DEVICES - Tablets, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFACSmart phones, and other electronic devices can store Card (such as through a mobile wallet). This means they can be used to make purchase or other transactions. Any such transactions are covered by this agreement. Apps that similar regulations use your Card to make transactions may exist have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. FINANCE CHARGE ON PURCHASES/DEBITS - In order to avoid a FINANCE CHARGE on purchases made since your last statement date, you must pay the Total New Balance shown on your statement on or before your Payment Due Date. The Finance Charges for a billing cycle are computed by applying the Monthly Periodic Rate to the average daily balance of Purchases, which is determined by dividing the sum of the daily balance during the billing cycle, by the number of days in other jurisdictions that apply the cycle. Each daily balance is determined by adding to their citizensthe Previous Balance of Purchases, any new Purchases posted to your account and subtracting any payments received as credits and posted to your account, excluding any unpaid Finance Charges. Subject to the above, the grace period for the New Balance of Purchase extends to the Payment due date which is at least 25 days.

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to your other accounts at the Bank or our affiliates; and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other person. You must not allow any person other than a Cardholder to use the Account. If a Cardholder lets someone else use the Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse to process any TD Visa Cheque. We do not allow stop payments on TD Visa Cheques. If you use the Card outside of Canada to withdraw cash from the Bank or with our affiliatesaffliates, the withdrawal may be treated as a Cash Advance from the Account, rather than a cash withdrawal from your other account because of certain limitations in some countries. You agree not to use the Card or the Account for anything illegal or fraudulent. We may block use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the Account. This includes transactions relating to Internet gambling or where we have any other reasonable grounds to do so. You agree you will use the Card or the Account for personal, family or household purposes and not for business purposes. You should be aware that under U.S. Office Offce of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFAC, and that similar regulations may exist in other jurisdictions that apply to their citizens.

USING THE ACCOUNT. You may use the Account for: • Purchases; • Cash Advances; • Access to If your other accounts at the Bank or our affiliates; application for a VISA® Rewards Credit Card is approved, United Catholics Federal Credit Union will establish a line of credit for you and • Any other purpose that we agree to. The Primary Cardholder is responsible for and must pay us the Balance on the Account. If notify you want another Cardholder or any other person to repay you for any amount paid or owing on the Account, it is of your responsibility, not the Bank’s, to make the appropriate arrangements with that Cardholder or other personcredit limit. You must not allow any person Agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other than a Cardholder to use the Account. If a Cardholder lets someone else use the charges”) that you will have outstanding on your Account or a Card, you are still responsible for any use of the Account or a Card, even if a Cardholder wanted to limit that use. We can let any Cardholder give us instructions for the Account without the approval of or notice to the other Cardholders. The Primary Cardholder can request us to issue a Card to any person without notice to any other person. We may limit the number of Cards issued on the Account. When you pay for goods and services using your Card number without using your Card or entering your PIN (for example by mail, telephone, Internet, mobile or any other electronic method), we will treat that use the same as if you had shown your Card. You may not use the Card before the valid from date or after the expiry date shown on the Card. However, if any amounts are charged to the Account before the valid from date or after the expiry date, the Primary Cardholder is responsible for, and must pay us those amounts. We can stop providing TD Visa Cheques at any time. We can also refuse Each payment you make to process any TD Visa Cheque. We do not allow stop payments on TD Visa Chequesyour Account will restore your credit limit by the amount of the payment, which is applied to the principal amount of purchases, cash advances, and balance transfers, unless you are over your credit limit. If you are over your credit limit, you must pay the amount over your credit limit before payments begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to United Catholics Federal Credit Union. United Catholics Federal Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law. If your credit limit is increased, you are immediately responsible for the new credit limit and any increase in the Account Balance even when it differs from an amount previously agreed in writing or orally. USING THE CARD - You may use the Card outside of Canada your card to withdraw purchase goods and services in person, online, and by mail or telephone from merchants and others who accept VISA® cards. In addition, you may obtain cash advances from the Bank Credit Union, from other financial institutions, select merchants participating in the VISA® Program and from automated teller machines (ATMs), such as the VISA® ATM Network, that provide access to the VISA® system (not all merchants or with our affiliates, the withdrawal may be treated as a Cash Advance from the Account, rather than ATMs provide such access). You will need to use your Personal Identification Number (PIN) to obtain a cash withdrawal advance from an ATM. ILLEGAL USE OF VISA CREDIT CARD - You agree that your other account because VISA® Credit Card Account will not be used to make or facilitate any transaction(s) that are or might be construed to be illegal pursuant to applicable law, rule or ordinance, including, but not limited to gambling. Said use, including any such authorized use, will constitute an event of certain limitations in some countriesdefault under this Agreement. You agree not that the Credit Union has no liability, responsibility, or culpability whatsoever for any such use by you or any authorized user(s). You agree that you are responsible for repayment of any and all debts incurred for these transactions. You further agree to indemnify and hold United Catholics Federal Credit Union harmless from any suits, liability, damages, or adverse action of any kind that results directly or indirectly from such illegal use. PROMISE TO PAY - You agree to pay all charges (purchases, cash advances, balance transfers, convenience checks or any other charges made) to your account made by you or anyone who you authorize to use your account. You also promise to pay all finance charges and other charges added to your Account under the Card terms of this Agreement or another agreement you made with United Catholics Federal Credit Union. Your obligation to pay the amount owed on your account continues until paid in full even through an agreement, divorce decree, or other court judgement which United Catholics Federal Credit Union is not a party may direct someone else to pay the Account Balance. Each of you who signs the application for anything illegal a card or fraudulent. We may block who use of the Card or the Account without telling you in advance if we suspect illegal, unauthorized or fraudulent use of the is individually and jointly responsible for all amounts owed on this Account. This includes transactions relating to Internet gambling means that United Catholics Federal Credit Union can enforce this Agreement against any of you individually or where we have any other reasonable grounds to do soall of you collectively. You agree you will use the Card or the Account for personalMOBILE PHONES OR OTHER DEVICES - Tablets, family or household purposes and not for business purposes. You should be aware that under U.S. Office of Foreign Asset Control (OFAC) regulations, customers who are U.S. Citizens are subject to regulations that limit the use of their Cards in certain jurisdictions sanctioned by OFACSmart phones, and other electronic devices can store Card (such as through a mobile wallet). This means they can be used to make purchase or other transactions. Any such transactions are covered by this agreement. Apps that similar regulations use your Card to make transactions may exist have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. FINANCE CHARGE ON PURCHASES/DEBITS - In order to avoid a FINANCE CHARGE on purchases made since your last statement date, you must pay the Total New Balance shown on your statement on or before your Payment Due Date. The Finance Charges for a billing cycle are computed by applying the Monthly Periodic Rate to the average daily balance of Purchases, which is determined by dividing the sum of the daily balance during the billing cycle, by the number of days in other jurisdictions that apply the cycle. Each daily balance is determined by adding to their citizensthe Previous Balance of Purchases, any new Purchases posted to your account and subtracting any payments received as credits and posted to your account, excluding any unpaid Finance Charges. Subject to the above, the grace period for the New Balance of Purchase extends to the Payment due date which is at least 25 days.