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The Bank may issue a Supplementary Card(s) at the request of the Cardholder to a party nominated by him/her at the Bank's discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will be bound by the terms and conditions of this agreement. The Basic Cardholder may assigns the same Credit Limit or a lower limit to the Supplementary Cardholders at his/her discretion.

    1. All communications sent or given to the Basic Cardholder or the Supplementary Cardholder is deemed to be sent or given to both.

    2. The Basic Cardholder and each Supplementary Cardholder agree to be bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Basic Cardholder to operate the Card Account, in which event the Basic Cardholder indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Basic Cardholder.

  1. The Combined Credit Limit is applicable to the Basic Cardholder and all Supplementary Cardholders collectively; the Basic Cardholder and all Supplementary Cardholders must not carry out Card transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit.

  2. Without prejudice to clause 20, we are hereby authorized by the Basic Cardholder to disclose, in our absolute discretion, particulars of the Basic Cardholder or the Card Account to the Supplementary Cardholder and to such other persons as we deem fit to make such disclosure in the course of enforcing our rights under this agreement or preliminary thereto.

  3. The Basic Cardholder is entitled at any time to terminate the use of any Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 10.1. Unless and until we receive such Supplementary Card, we will not be bound by or accede to any instruction given by the Basic Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Basic Cardholder and the Supplementary Cardholder under this agreement will continue notwithstanding that the use of such Supplementary Card is terminated.

  4. All undertakings, liabilities and obligations owing to us under this agreement by the Basic Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counterclaim or right of set-off which the Basic Cardholder and the Supplementary Cardholder may have against each other.

  5. The discharge or waiver of any liability of the Supplementary Cardholder for any reason will not prejudice or affect the undertakings, liabilities and obligations of the Basic Cardholder or our rights and remedies against the Basic Cardholder and vice versa.