Common use of Using Your Clause in Contracts

Using Your. PASSWORD Your password acts as your signature as the owner and sole user of the User ID for your personal Digital Banking service. Your password is an identification code that is personal and confidential. The use of the password with the service is a security method by which we are helping you maintain the security of your account(s). Therefore, YOU AGREE THAT YOU WILL NOT DISCLOSE YOUR PASSWORD TO ANYONE AND THAT YOU WILL TAKE ALL REASONABLE PRECAUTIONS TO ENSURE THAT NO ONE ELSE LEARNS YOUR PASSWORD. YOU AGREE THAT IF YOU GIVE YOUR PASSWORD TO SOMEONE ELSE TO USE OR ALLOW THEM TO ACCESS THE SERVICE, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM UNTIL YOU TELL US THAT YOU HAVE REVOKED THIS AUTHORIZATION. If you permit any other person(s) or entity, including any data aggregation service providers, to use Digital Banking or to access or use your card numbers, account numbers, PINs, User IDs, passwords, or other means to access your accounts, you are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by such person(s) or entity. You agree to: 1) keep your User ID and password secure and strictly confidential; 2) immediately notify us of any change in status, or authority, of any authorized signer on record with the bank; and 3) immediately notify us and select a new User ID or password if you believe your User ID or password is known or may be used by an unauthorized person. Santander will have no liability to you for any unauthorized payment or transfer made using your User ID or password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your use of Digital Banking without notice from you if we suspect your User ID or password is being used in an unauthorized or fraudulent manner.

Using Your. PASSWORD Your password acts ACCOUNT You can use your Card to purchase or lease goods or services (including mail, telephone and electronic orders) from participating establishments (each a “Purchase”) up to any credit limit we may establish for you (your “Credit Limit”). You may use your Account only for personal, family, or household purposes. You may not use your Card or your Account for any illegal transaction or any gambling transaction. We may decline transactions for any reason, including: operational matters, default, or suspected fraudulent or unlawful activity. Transactions above a certain dollar amount may require authorization by us before the transaction can be approved. We will not be liable for the failure to authorize credit because of operational difficulties or mistakes. We may limit the number and amount of transactions approved in one day for security reasons, without any liability to you. We are not responsible for any losses associated with a declined transaction. HONORING YOUR ACCOUNT We are not liable for the failure or refusal of a participating establishment to honor your Account. AUTHORIZED USERS If you ask us to issue a Card to any other person and we agree to issue them a Card, they are an “Authorized User” of your Account and will be bound by the terms of this Agreement. We may impose a fee to issue a Card to an Authorized User as described below. See “FEES” section below. We may require certain information about them before issuing a Card. We may limit their ability to use their Card. You authorize them to have access to important information about your signature as the owner and sole user of the User ID Account including available credit so that they can use their card responsibly. You will be responsible for your personal Digital Banking service. Your password is an identification code that is personal and confidential. The use of the password with the service is a security method Account by which we are helping them and by anyone they allow to use your Account, even if you maintain the security of your account(s). Thereforedid not want, YOU AGREE THAT YOU WILL NOT DISCLOSE YOUR PASSWORD TO ANYONE AND THAT YOU WILL TAKE ALL REASONABLE PRECAUTIONS TO ENSURE THAT NO ONE ELSE LEARNS YOUR PASSWORD. YOU AGREE THAT IF YOU GIVE YOUR PASSWORD TO SOMEONE ELSE TO USE OR ALLOW THEM TO ACCESS THE SERVICEor did not agree to, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM UNTIL YOU TELL US THAT YOU HAVE REVOKED THIS AUTHORIZATIONthat use. If you permit want to remove an Authorized User from your Account, you must contact Customer Service and request their removal. You also must immediately destroy all Cards in their possession and cancel any transactions that they may have set up on your Account before their removal. You will be responsible for transactions that they set up before they were removed even if these amounts do not appear on your Account until later. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove them from your Account for any reason. To remove them from your Account, we may choose to close your existing Account and issue you a new Account and replacement Card with a new number. PROMISE TO PAY You agree to be bound by the terms and conditions of this Agreement. You promise to pay for all Purchases and all other amounts owed to us under the terms of this Agreement. You promise to make all payments in U.S. dollars and to submit for payment of your Account only checks or other items drawn on U.S. financial institutions. YOUR CREDIT LIMIT You agree not to use your Account in any way that would cause you to go over your Credit Limit. We may refuse to authorize or accept any transaction on your Account that would cause you to exceed your Credit Limit. We may establish different Credit Limits for different features of your Account in addition to a general (total) Credit Limit. If you exceed your Credit Limit, you must pay us the excess amount promptly. We reserve the right not to increase your available credit by the amount of any payment received, for a period of up to four (4) business days from the date of receipt to provide for processing and verification. Processing speeds can vary depending on how your payment is cleared. Your Account represents a continuing offer to extend further credit to you which may be withdrawn at any time. We reserve the right to change (to set, increase, decrease or remove) the Credit Limit for your Account from time to time in accordance with this Agreement and applicable law. Certain changes in your Credit Limit may occur without prior written notice to you and may be based upon factors including, but not limited to, anti-fraud policies and procedures, your record of making timely payments and staying within your established Credit Limit, your credit score and information contained in your credit report and your proper maintenance of any checking account used to make automatic payments, if applicable. If finally approved for an Account, your initial Credit Limit(s) will appear on your Card carrier. Your current Credit Limit(s) can be found on your Statement or provided upon request. We do not accept Credit Limit increase requests. You have the right to receive an answer to a written inquiry concerning the status of your Account. SPECIAL TERMS From time to time we may offer special terms in connection with your Account. These special terms may be limited to certain qualifying transactions. The period of time that special terms may be available may be limited. Information specific to any special terms will be provided at the time of offer. If you use your Account to enter into a qualifying transaction, you will be deemed to have acknowledged and agreed to the terms disclosed at the time of the offer, which terms may modify or differ from the regular terms of this Agreement. No formal amendment of this Agreement will be necessary and all terms of this Agreement will remain applicable except those inconsistent with the disclosed special terms of the offer. If at any time you fail to comply with the terms of this Agreement as modified by the special terms of an offer or are otherwise in default of any obligation you owe us, then we may, in our sole discretion, immediately terminate any special offer terms. We will notify you of the termination of any special terms if (and as) expressly required by law. DEFAULT Unless prohibited by applicable law, you will be in default under this Agreement if you: (i) do not make at least the Minimum Payment required from time to time on or before its Payment Due Date; (ii) exceed your Credit Limit without permission; (iii) tender a payment on your Account and your payment is returned to us unpaid or otherwise rejected for any reason; (iv) become subject to bankruptcy or insolvency proceedings; (v) become subject to attachment or garnishment proceedings; (vi) give us any misleading, false, incomplete or incorrect information or false or fraudulent signature; (vii) die; or (viii) fail to comply with any term of this Agreement or any other person(sagreement that you have with us. Subject to any notice of default and right to cure or other limitation of applicable law, if you are in default, we may, in addition to any other rights that we may have under this Agreement: (a) reduce your Credit Limit or entitycancel your Account; (b) require you to pay your entire Account balance (including accrued but unpaid interest and any other fees and charges provided for in this Agreement) immediately; and/or (c) bring an action to collect all amounts owed. You agree to pay, to the greatest extent not prohibited by law, our reasonable attorneys’ fees and any collection costs and disbursements and court fees related to the collection of your Account. PENALTY RATE If we do not receive your required Minimum Payment within 60 days of its Payment Due Date, all of your rates may increase to the Penalty Rate. The Penalty APR will cease to apply if we receive six consecutive minimum monthly payments on or before their respective payment due dates beginning with the first payment due date following the effective date of the increase. CANCELLATION We may cancel your Account, refuse to allow further transactions, offer credit on different terms or adjust the amount of credit available to you at any time, with or without cause, subject to applicable limitations of law. We may terminate further transactions on your Account without notice if you change your address to a jurisdiction in which we do not make credit available at that time. You may close your Account by writing to us at Account Services, X.X. Xxx 000000 Xxxxxxx, XX 00000-0000. The terms of this Agreement will continue to apply to any balance that you owe us until you have paid everything you owe, including any data aggregation service providers, to use Digital Banking or to access or use interest and fees due. Account cancellation may adversely affect your card numbers, account numbers, PINs, User IDs, passwords, or other means to access your accounts, credit history. STATEMENTS We will send you are responsible a Statement for any transactions and activities performed from your accounts and for any use each monthly billing cycle in which (i) the balance of your personal Account (including unpaid Purchases, interest and account information other fees and charges) on the last day of that billing cycle (the “New Balance”) is greater than $1 (debit or credit); (ii) we impose interest or a fee; (iii) there is any other activity on your Account or (iv) as otherwise required by such person(sapplicable law. Your Statement will show, among other things, the total minimum payment you must make during the billing cycle (the “Minimum Payment”) or entity. You agree to: 1) keep your User ID and password secure and strictly confidential; 2) immediately notify us of any change in status, or authority, of any authorized signer on record with the bank; and 3) immediately notify us and select a new User ID or password if you believe your User ID or password date that the Minimum Payment is known or may be used by an unauthorized person. Santander will have no liability to you for any unauthorized payment or transfer made using your User ID or password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your use of Digital Banking without notice from you if we suspect your User ID or password is being used in an unauthorized or fraudulent mannerdue (the “Payment Due Date”).

Using Your. PASSWORD Your password acts as your signature as the owner and sole user of the User ID for your personal Digital Banking service. Your password is an identification code that is personal and confidential. The use of the password with the service is a security method by which we are helping you maintain the security of your account(saccount ( s ). Therefore, YOU AGREE THAT YOU WILL NOT DISCLOSE YOUR PASSWORD TO ANYONE AND THAT YOU WILL TAKE ALL REASONABLE PRECAUTIONS TO ENSURE THAT NO ONE ELSE LEARNS YOUR PASSWORD. YOU AGREE THAT IF YOU GIVE YOUR PASSWORD TO SOMEONE ELSE TO USE OR ALLOW THEM TO ACCESS THE SERVICE, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM UNTIL YOU TELL US THAT YOU HAVE REVOKED THIS AUTHORIZATION. If you permit any other person(sperson( s ) or entity, including any data aggregation service providers, to use Digital Banking or to access or use your card numbers, account numbers, PINs, User IDs, passwords, or other means to access your accounts, you are responsible for any transactions and activities performed from your accounts and for any use of your personal and account information by such person(sperson ( s ) or entity. You agree to: 1) keep your User ID and password secure and strictly confidential; 2) immediately notify us of any change in status, or authority, of any authorized signer on record with the bank; and 3) immediately notify us and select a new User ID or password if you believe your User ID or password is known or may be used by an unauthorized person. Santander will have no liability to you for any unauthorized payment or transfer made using your User ID or password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your use of Digital Banking without notice from you if we suspect your User ID or password is being used in an unauthorized or fraudulent manner.