By signing and returning this application, I certify that I have read and agree to be bound by terms and conditions and disclosures governing my account
and that you renew and replace the Card(s) until I cancel. I understand that the agreement governing the account also provides among other things, that
the account terms, including APRs and fees, are subjected to change. I agree to be liable for all charges to my account, including charges incurred with
any Additional Card(s) issued on my account, now or in the future. I understand that I must provide all the information requested in this application and I
certify that such information is accurate. I authorise you to verify the information on this application and to receive and exchange information about me
including request reports from customer reporting agencies. I authorise you and your affiliates and subsidiaries to contact these sources for information at
any time and to use any information obtained about me for making lending decisions, fraud preventions and administrative purposes.