Authorization for the collection and disclosure of information: Each of the applicants consents to Desjardins Financial Group gathering and updating any information necessary to the purpose of this agreement from any personal information agent, financial institution, employer and credit card issuer (the "third parties") in order to determine their solvency and re-analyse their obligations towards Desjardins Financial Group as part of their business relationship with it. Each of the applicants accepts and understands that by giving this consent, Desjardins Financial Group will consult the credit reports concerning the applicants obtained from information agents and that this consultation can affect their credit score, if applicable. Each of the applicants authorizes third parties to disclose such information to Desjardins Financial Group even if the applicant's file is closed or inactive. Each of the applicants also consents to Desjardins Financial Group disclosing to any personal information agent, financial institution or credit card issuer any information on financial commitments towards Desjardins Financial Group resulting from the use of the VISA Desjardins card. This consent shall remain in full force and effect for as long as each undersigned holds a VISA Desjardins card. The information provided by the applicant in this application may be processed and stored in the United States. As such, the governments, courts and regulatory bodies of the United States may have access to this information under legislation applicable there. By clicking on the "I have read and agree to the terms and conditions of the above declaration" button, each applicant acknowledges that he or she has read this notice and agrees to the collection, use and disclosure of his or her information as described herein. Visa/Desjardins Financial Group, Licensed User.