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, customer...
USING THE ACCOUNT. If you are approved for an account, the Credit Union will establish a line of credit for you. By using the card for the first time, or authorizing another person to use your account, you agree to and accept all of the terms and conditions in this Agreement. You agree that your credit limit is the maximum amount (purchases, cash advances, balance transfers, plus “other charges”) which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in...
USING THE ACCOUNT. The Account may be used for setting up Direct Debits, Standing Orders, and to make Faster Payments including Future Dated Payments subject to Account Limits. The Account can also be used for sending and receiving funds from another Account.
USING THE ACCOUNT. 5.1 Your Account can receive bank transfers and other payment types as added and notified to you by Xxxxxx from time to time. Subject to paragraph 5.3, we will credit your Account when we receive the funds which could be up to three Business Days after the payment being instructed, depending on how the payment was sent.
USING THE ACCOUNT. All loans and advances from the Loan Account are referred to in this Agreement as “Loans.” Loan requests shall be sent to the Borrower’s Xxxxxx Account Officer and may be made by writing or by telephone. Loan proceeds shall be credited to the Borrower’s deposit account no. 0000000 at the Bank unless the Bank is otherwise directed by special written directions from the Borrower acceptable to the Bank. The amount of each Loan requested shall be at least the minimum amount shown above; and the Bank shall have the right to refuse to honor any Loan requested by the Borrower which is less than that minimum amount, even if the Bank has previously honored a Loan request for less than the minimum amount. Each Loan shall initially constitute part of the Prime Rate Portion (as described in Section 2(a) below) except to the extent the Borrower has otherwise timely elected that such Loan, or any part thereof, constitutes part of a Fixed Rate Portion as provided in Section 2 below. The Borrower shall not request any Loan which, when taken together with Loans then outstanding, would exceed the Maximum Credit. As of the time of the making of each Loan hereunder: (a) each of the representations and warranties set forth in Section 5 below and in the Collateral Documents shall be true and correct in all material respects as of such time; and (b) the Borrower shall be in compliance with all of the terms and conditions of this Agreement and the Collateral Documents, and no Default or any event or condition which with notice or lapse of time, or both, would constitute a Default shall have occurred and be continuing or would occur as a result of making such Loan. The Borrower’s request for any Loan shall constitute its warranty as to the facts specified above. All Loans shall be made against and evidenced by the Borrower’s promissory note payable to the order of the Bank in the principal amount of $45,000,000, such note to be in the form of Exhibit A attached hereto (the “Note”). The Bank agrees that, notwithstanding the principal amount of the Note stated on its face, the Note shall evidence only the actual unpaid principal balance of Loans made under the Loan Account. The Borrower agrees that in any action or proceeding instituted to collect or enforce collection of the Note, the amount shown as owing the Bank on its records shall be prima facie evidence of the unpaid balance of principal and interest on the Note.
USING THE ACCOUNT. You can use the Card and your Account for Purchases, balance transfers, Cash Advances and any other transactions we allow you to complete up to the Credit Limit we establish for you. Cash Advances from ATMs may be limited by amount or frequency. You promise that you will use your Account only for lawful purposes. We reserve the right to deny transactions or authorizations from merchants apparently engaging in the internet gambling business or identifying themselves through the Card transaction record or otherwise as engaged in such business. We are not responsible if anyone does not allow you to use your Account. We may decline any transaction at any time.
USING THE ACCOUNT. You agree that you will not use your card for any transaction that is illegal under applicable federal, state or local law. Your Account can be used to purchase goods and services from participating establishments (“Merchants”). When you make a Purchase by telephone or mail, you may not receive a receipt or have other documentation of the transaction. You agree to accept liability for Purchases you make or authorize to be made even though no documentation exists. You can use your Account to obtain cash either by presenting your Card at any financial institution that accepts the Card or by making a withdrawal of cash at an automatic teller machine (“ATM”), or by making a transfer through Online Banking, mobile banking, or our automated telephone system. These transactions are treated as Cash Advances on your Account. Your monthly statement will identify the merchant, electronic terminal or financial institution where transactions were made. Transaction documents will not be returned with the statement. You must retain your copy of such documents to verify your monthly statement. There is a charge for photocopies of the documents you request. We are not responsible if anyone refuses to honor your card, nor are we responsible for anything purchased with your Card.
USING THE ACCOUNT. If you are approved for a VISA account, the Credit Union will establish a line of credit for you and notify you of it when the card is sent to you. You agree not to let your account balance exceed your approved credit limit. Each payment you make on the account will restore your credit limit by the amount of purchases and cash advances. You may request an increase in your credit limit only by written application which is approved by the Credit Union. The Credit Union has the right to reduce or terminate your credit limit at any time.
USING THE ACCOUNT. Upon your approval for an account, the Credit Union will establish a line of credit for you. Notification of your limit will be made when the card is sent to you. You agree not to let your account balance exceed your approved credit limit. RESPONSIBILITY: You promise to pay any and all charges incurred by you or by any person whom you authorize to use the Credit Card issued to you, and any fees or charges incurred in the recovery of a credit card, retrieval of transaction data, or collection of this account in accordance with the terms and conditions issued by VISA International, Inc., and in accordance with the policies established by the Credit Union. Your obligation to pay the amount owed on your account continues until paid in full even though an agreement, divorce decree or other court judgment to which the Credit Union is not a party may direct someone else to pay the account balance. JOINT ACCOUNT: If more than one person applies for the card each is individually responsible for all amounts owed on the account and is jointly and severally responsible for all amounts owed. This means the Credit Union can enforce the Agreement against any of you individually or all of you together. Each may obtain credit advances without the knowledge of the other and both are obligated to repay all advances made to the account. You agree to notify the Credit Union of any address change.
USING THE ACCOUNT. At times we may: • decline a transaction if there is not enough available credit and for any other reason; and/or • require our Authorization before allowing a transaction. A merchant may check your ID. We are not liable if: • a merchant refuses your Card; and/or • we do not complete your transaction for any reason. CREDIT LIMIT When we first send your Card, we will tell you: • the total credit limit on your Account called your “Revolving Credit Line”; and • the portion of this limit you can use for cash advances. If a cash advance limit is not shown on your billing statement, it means your total credit limit is available for cash advances. Because your Account has no pre-set spending limit, we may allow you to make charges (except ATM cash transactions) that cause you to exceed your revolving credit line. Each charge will be evaluated based on: • Account usage and performance; • other accounts with us; and • your accounts with other creditors. We may change these limits from time to time. Whenever this occurs, we will notify you: • on your billing statement; and/or • by sending a notice. You agree to: • keep your Account balance (which includes Interest and other charges) within your credit limit; and • immediately pay any over limit amount that might occur. Your available credit may not reflect your payments for up to 14 days. If a transaction exceeds your available credit, we may decline it.
