3. Use of card

The Card must be signed by the Cardholder immediately on receipt and may only be used:-

a) By that Cardholder;

b) Subject to the terms of this Agreement current at the time of use;

c) To obtain the facilities and benefits from time to time made available by the Bank in respect of the use of the Card;

d) During the validity period embossed on the Card;

e) Subject to the right of the Bank in its absolute discretion and without prior notice, at any time to withdraw the right to use the Card for, or to refuse any request for authorization of, any particular Card Transaction and to publish any such withdrawal or refusal;

f) Within the Credit Limit. In deciding whether this has been exceeded, the Bank may take into consideration the amount of any Card Transaction not yet debited and any authorisation given by the Bank in respect of any prospective Card Transaction;

g) To obtain cash advances from the Bank or an ATM within a cash advance limit as shall be determined by the Bank and notified to the Principal Cardholder from time to time which shall form part of the Credit Limit;

h) All Card Transactions, which take place in a currency other than Shillings and whether or not in Rwanda, will be converted from the currency in which the Card Transaction took place into Shillings at the Visa’s prevailing rate plus a margin imposed by the Bank as at the date of such conversion and shall be debited to the Card Account in Shillings;

i) The Card may be used worldwide for Card Transactions expressed in the currency of the country of purchase. The monthly statement will be billed in Shillings.