Card application: Each of the applicants identified above certifies that the above-mentioned information is true and accurate. Each of the applicants is applying for the issuance as well as the renewal or replacement of a VISA* Desjardins card, at the discretion of Desjardins Financial Group. Liabilities: If a VISA Desjardins card is issued, each of the individuals identified above undertakes to use it in compliance with the terms set out in the Desjardins Financial Group agreement accompanying the card. Each of the applicants shall be solidarily (jointly and severally) liable for all debts contracted following the use of cards issued after this application. Each debt is indivisible and can be claimed in whole from the heirs, legatees and successors of each applicant. Information about interest rates, grace periods and fees relating to the card can be obtained by calling Desjardins Financial Group at 1-800-363-3380. Regular purchases are subject to credit charges based on the average daily balance from the date of each purchase, at the annual interest rate in effect for the period covered by the statement of account. Visa/Desjardins Financial Group, Licensed User.