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“Schedule of Charges” means the list of charges applicable for the services provided on the Card. These costs are topic to adjustments at the sole discretion of BRAC Bank Limited. However, such modifications in charges could additionally be made only with potential impact giving prior discover of 30 days to the Cardholder. “Electronic Banking Terminal” means any approved terminal or device in which Card and/or PIN can be utilized. This consists of ATM, Point of Sale terminal or e-Commerce via which Card transactions may be performed or another approved terminal or system related to BRAC Bank electronic banking system every so often.

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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number shall be issued to him/her. In the event the same isn’t acquired in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN provides access to the Card Account and the Cardholder accepts the only real responsibility to be used, confidentiality and protection of the PIN, in addition to for all orders and knowledge changes entered into the Card Account utilizing such PIN.

Subject to the necessities of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such modifications shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints shall be resolved as per the policy of respective fee network (Visa/ Mastercard) and the decision of the cost community might be thought of as final. The Bank can’t be held answerable for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to inform BRAC Bank within a hundred and twenty days of purchasing the product/service; the Bank is not going to be held liable to entertain the grievance. The Bank shall be entitled at any time without the consent of the Cardholder to assign and transfer the entire or any a half of its rights of obligations underneath this Agreement.

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The Supplementary Cardholder should be of 18 years of age or over. The problem of the Supplementary Card shall be subject to such Terms and Conditions, which the Bank may deem necessary. The fee by the Cardholder of any sum to the Bank in respect of any Statement of Account shall represent binding and conclusive proof of the acceptance by the Cardholder of the entries proven on that Statement of Account.

A alternative charge as prescribed by the Bank is payable by the Cardholder to the Bank instantly upon a request to the Bank to issue a Replacement Card. Additional costs as prescribed by the Bank are payable by the Cardholder to the Bank instantly upon the request to the Bank for the availability of copies of sales voucher/Cash Advance Slip and any additional providers the Bank might present once in a while. If the Cardholder fails to pay the Minimum Amount Due by the payment due date, a flat late fee cost charge as prevailing from time to time will be levied. These transactions may embrace room, food or beverage charges, taxes, fuel, insurance coverage, rental fees, damage to rental vehicles, parking tickets and different site visitors violations, and items and companies bought aboard a Cruise Line vessel. “ATM” means an automatic teller machine or any card operated machine or system whether or not belonging to the Bank or other taking part banks or monetary institutions nominated from time to time by the Bank, which accepts Card. As a new participant, you’ll must add some funds to your account to keep playing and garnering big wins.

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