18. AMENDMENT

(a) these Terms and Conditions may be amended, modified and/or replaced in whole or in part at any time by the Bank in its sole and absolute discretion. The Bank will give a 30 days’ notice to the Card Holder of any such amendments, modifications and/or replacements and;

(b) upon any such amendment, modification and/or replacement of these Terms and Conditions by the Bank any subsequent use of the Card shall be deemed to constitute acceptance of such amendments, modifications and/or replacements.