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PERSONAL IDENTIFICATION NUMBER To enable the Cardholder to use the Card, a Personal Identification Number will be issued to him/her. In the event the same isn’t obtained in a sealed envelope, the Cardholder shall contact a BRAC Bank department or the BRAC Bank 24-Hour Call Center. The PIN provides entry to the Card Account and the Cardholder accepts the solely real responsibility to be used, confidentiality and safety of the PIN, in addition to for all orders and data adjustments entered into the Card Account utilizing such PIN.

Should the Cardholder be away from Bangladesh more than a month, the Card Account must be settled 7 days prior to his/her departure. The Cardholder should promptly notify the Bank in writing of any change in employment or enterprise or handle (office and/or residence) or if Cardholder intends to be away from Bangladesh for more than 30 days. All costs and expenses in such regard could also be debited to the Card Account and shall be payable by the Cardholder.

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A cheque deposit shall be acceptable for assortment and the proceeds shall not be available till the cheque has been cleared and the proceeds paid to the Bank. Any money deposits might solely be regarded as having been acquired by the Bank upon crediting the identical to the Card Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual payment as prescribed by the Bank for the card and an annual fee prescribed by the Bank for each Supplementary Card.

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The payment by way of bKash might require maximum 3 working days to be settled. The main cardholder could withdraw the authority of the supplementary cardholder by sending a written intimation to the Bank accompanied by the supplementary card. Without prejudice to Bank’s rights at any time to take the appropriate legal action, the Bank might charge charges for any returned unpaid cheque drawn by the Cardholder in full or partial payment of the outstanding quantity. The Bank shall be entitled at its sole discretion to vary the speed of method of calculation of the annual fees, finance costs, the required Minimum Amount Due and/or late cost charges or any other charges. A Merchant could process delayed or amended charges if the Cardholder has consented to be responsible for delayed or amended costs for a Hotel, Car Rental Company, or Cruise Line Transaction or any other transactions. C. BRAC Bank’s report of the amount of any Charge, specified herein above, shall, within the absence of manifest error, be final and binding on the Cardholder, and shall be conclusive in any case the place BRAC Bank has effected any cost pursuant to a Voluntary Charge.

In the event of the mentioned checking account not having adequate funds on the Payment Due Date or next 2 consecutive days, the Cardholder shall be liable to pay all of the Charges applicable along with the Card dues. The Cardholder agrees and confirms that every one the particulars submitted to BRAC Bank by the Cardholder for availing of the auto debit facility shall be right and full. BRAC Bank shall not be liable if the auto debit transaction is delayed or not effected in any respect for causes of incomplete or incorrect info or for any reason in any way. The Cardholder further agrees and undertakes to tell the Cardholder’s bank of the auto debit instructions issued in favor of BRAC Bank and to not close the stated bank account without the prior consent of BRAC Bank.

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All statutory taxes, service tax, VAT, all other imposts, duties and taxes as may be levied from time to time by the Government or other authority in respect of or in connection with the Card. The money advance payment and finance charge are non-refundable. The Bank at its sole discretion could reverse the partial or full amount. “Minimum Amount Due” means the minimal amount specified by the Bank in assertion which if paid by the Payment Due Date will prevent any late fee payment.

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