9. Withdrawal of use of the card

a) The Bank may at any time and without notice cancel or suspend the right to use any card entirely or in respect of specific facilities or refuse to re-issue, renew or replace any Card, without in any case affecting the Principal Cardholder’s obligations under this Agreement which shall continue in force.

b) The decision of the Bank with respect to suspension (temporary of permanent), withdrawal or limitation of usage including reducing Credit Limit, will be at the Bank’s sole discretion at its own judgement.

c) The Card remains the property of the Bank at all times. On request, all or any Card issued for use on the Card Account must be returned immediately to the Bank or to any other person acting for the Bank. The Bank shall notify the Cardholder the particulars of any such other person.

d) The Principal Cardholder shall be liable for all expenses incurred by the Bank in reclaiming a cancelled Card.