if s 185 (1) (b), which provides that where there are two or more debtors under a regulated agreement anything done by or behalf of them shall have effect ad if done by or on behalf of all of them, applied to s 84 (1) the debtor's liability would be even more limited. Irrespective of the member of cards in issue and the member of debtors under the agreement, the maximum liability would 50. Thus, S 84 (8) provides that the provisions of S 84 apply to each credit-token separately, thus the debtor’s maximum liability is 50 per credit-token in circulation and of course there is no limit on his liability under S 84 (2). Any attempt to impose greater liability on the debtor than that provided for under S 84 is void and of no effect. This has no effect on the debtor’s contract with the creditors; despite any exclusion of liability by the creditor the agreement remains valid; the offending clause is merely struck out.