Any change in the duration or condition of this agreement is effective unless it is accepted or approved in writing by the Bank. Either the company or the bank may terminate the contract in its entirety, or terminate individual or collective card privileges at any time, but such termination does not affect the entity`s existing commitment under this agreement. Each card is owned by the bank, is not transferable and must be delivered to the bank upon request. 4. Card Use: Any transaction on a card is considered an “article” under the account deposit account contract applicable to that transaction and is subject to the terms of the agreement. In order to protect the use of cards, each authorized cardholder receives a PIN code that must be used in all ATM and PIN transactions. The company undertakes to order any authorized cardholder not to disclose the PIN to anyone. If the security or confidentiality of a PIN is compromised, the authorized cardholder must immediately notify Wise about firstname.lastname@example.org. All deposits made through a BBVA USA ATM are subject to verification and proof and are accepted pursuant to the terms of the deposit agreement and our fund availability policy. 24. General: This agreement and its application represent the whole agreement between the parties with regard to the cards.