The company be regarded as the cardholder agreement. Consent and agree to the Terms and Conditions for changes and additions by the announcement of the channels in question. If the cardholder does not agree to such changes and additions. Cardholders should stop using the card. If you continue to use the card after the posting of changes and amendments to the terms. We will assume that the holder has been informed of the changes and agree to the terms and conditions of this agreement.