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The cost by the Cardholder of any sum to the Bank in respect of any Statement of Account shall constitute binding and conclusive proof of the acceptance by the Cardholder of the entries shown on that Statement of Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual charge as prescribed by the Bank for the card and an annual fee prescribed by the Bank for each Supplementary Card. "Security" means the lien of any account/Fixed Deposit/Financial Instrument against which the cardboard is issued . "Payment Due Date" means the date specified in the Statement of Account, by which date, fee of the Total Payment Due or the Current Balance or any part thereof or at least the Minimum Amount Due is to be made to the Bank. "Guarantee" means lien of any account/Fixed Deposit/financial instrument in opposition to the issued Credit Card limit.

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• "Terms and Conditions" means the phrases and conditions set out herein and/or as may be stipulated by BRAC Bank Limited every so often, as amended.
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If the Cardholder does not obtain the Statement of Account for the particular Statement Period, s/he should notify the Bank within 7 days of the assertion date and request a replica of the Statement of Account for the Particular Statement period. Non-receipt of Statement of Account shall not be construed by the Cardholder to be adequate for non-payment of dues in time. The Bank cannot be held liable for non-receipt of statement as a end result of unexpected circumstances and circumstances outdoors the Bank's management.

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The Bank will attempt to call the Cardholders to inform them in regards to the probable fraud risk that could emanate from such Card utilization at High Risk Countries and shall seek consent from the Cardholder to block the Card from further utilization. All Cardholders might be billed on a monthly basis for all Charges incurred by the use of Card and for all expenses relevant to the Card Account. BRAC Bank shall endeavor that no delay is triggered in sending the Statement to the Cardholder. However, there could also be no assertion generated for the interval in which there was no outstanding due and no transaction on the Card Account within the previous month. Payments will be handled as made from the date on which the funds are literally received by the Bank within the ordinary course of enterprise and never from the posting date on the Statement. At least 3-4 days must be allowed for the payment to be credited to the Card Account.

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Credit card invoice could be paid through bKash app. The payment by way of bKash could require most 3 working days to be settled. All transactions approved by the supplementary cardholder prior to the date the supplementary card is received by the Bank, are valid and handled as binding upon the first cardholder and are the legal responsibility of the primary cardholder. The Bank shall deliver a Statement of Account to the Cardholder every month or at such other regular intervals as deemed fit by the Bank.

Without prejudice to Bank's rights at any time to take the appropriate authorized motion, the Bank may cost fees for any returned unpaid cheque drawn by the Cardholder in full or partial fee of the outstanding amount. The Bank shall be entitled at its sole discretion to differ the rate of technique of calculation of the annual fees, finance expenses, the specified Minimum Amount Due and/or late payment expenses or another charges. These transactions could embody room, food or beverage expenses, taxes, fuel, insurance, rental fees, damage to rental automobiles, parking tickets and different traffic violations, and items and providers purchased aboard a Cruise Line vessel. A Merchant could course of delayed or amended charges if the Cardholder has consented to be answerable for delayed or amended costs for a Hotel, Car Rental Company, or Cruise Line Transaction or some other transactions. [newline]The cash advance payment and finance charge are non-refundable. The Bank at its sole discretion might reverse the partial or full amount. BRAC Bank Limited reserves the proper to establish the credit worthiness of the Applicant time to time by obtaining credit bureau report and such different reviews as it may deem necessary and decline to problem a Card to any Applicant at its sole discretion.

If the Priority Pass cost exceeds the obtainable endorsed restrict, cardholder might have to make the cost via FC account. If buyer needs to settle the Balance transferred amount before the predetermined time period then an early settlement charge could have to be paid by the cardholder as per latest Schedule of expenses. The Bank may at any time recall all or any card and cancel its/their use with or with out giving prior discover to the cardholder.

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"Insurance Company" means insurance coverage company as could additionally be determined by BRAC Bank Limited, once in a while. "Company" means an organization as defined in the Companies Act 1994, as amended from time to time. "Cash-Limit" means the utmost amount of money or equivalent of money as outlined or prescribed by BRAC Bank Limited, that the Credit Cardholder can use his/her Card Account.

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If the Cardholder fails to observe the safety necessities, s/he might incur legal responsibility for BRAC Bank. BRAC Bank may, in its absolute discretion, problem a new PIN on the present Card. Subject to the provisions said herein and as specified by BRAC Bank every so often, the Cardholder will not hold BRAC Bank liable in case of any improper/ fraudulent/unauthorized/ duplicate/ erroneous use of the Card and/or the PIN. BRAC Bank may even not be responsible for any penalties linked with the use/ misuse of the Card by any third celebration as a outcome of Card falling in the arms of any third celebration or the PIN coming to the knowledge of any third get together.

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From time to time, Bank could monitor and/or report telephone calls between the Cardholder and Bank to guarantee the quality of its customer service or as required by applicable law. When presenting the Priority Pass card on entering the lounge, lounge staff will take an imprint of the card and problem a 'Record of Visit' voucher to the cardholder or make a log entry. Some lounges have digital card readers, which can take the cardholder's detail off the magnetic strip on the reverse side of the Priority Pass card. Where relevant, the cardholder should signal the 'Record of Visit' voucher, which may even replicate the precise number of accompanying friends, if any, but doesn't show any per person per go to cost.

The full schedule of matches for the primary four days are as follows, black and white character. The Bank may once in a while change the terms and situations of this Agreement. Cardholder hereby authorizes the Bank to change the phrases and situations of this Agreement without prior consent of the Cardholder. Subject to the requirements 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. If you fail to inform BRAC Bank within one hundred twenty days of purchasing the product/service; the Bank is not going to be held liable to entertain the grievance.

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"Current Balance" means the entire debit balance which shall be debited to the Card Account excellent on the Card Account payable to the Bank based on the Bank's records on the date the Statement of Account is issued. "Card" means the Credit Card issued by the BRAC Bank Limited on the idea of software made by the Cardholder beneath the name of VISA, MasterCard or JCB and likewise consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards. "Bangladesh Bank" means the central financial institution of Bangladesh established underneath the Bangladesh Bank Order (P.O. 52 of 1972) and includes its successors and assignees. Definitions & Interpretation "Applicant" means one that has/have applied for a Card to BRAC Bank Limited.

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