Common use of Cash Advance Clause in Contracts

Cash Advance. The Cardholder may obtain Cash Advances up to a maximum percentage of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations and as maybe acceptable to the Bank from time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction record. 5.2 Use of the Card at any ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance will be further subject to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATM. The Cardholder may under no circumstances whatsoever disclose the PIN to any other person. 5.5 The Bank’s record of any Transaction effected in conjunction with a PIN shall be binding on the Cardholder as to its consequence and the information on the Bank’s system will be conclusive evidence and binding on the Cardholder. 5.6 The use of the Card by the Cardholder to obtain a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a finance charge/interest and fees on the amount of Cash Advance as prescribed by the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in full. The Bank may from time to time, vary the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and will be subject to the above charges. 5.8 The Bank reserves the right to change or withdraw this facility at its discretion

Cash Advance. The Cardholder may obtain Cash Advances up to a maximum percentage of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations and as maybe acceptable to the Bank from time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction record. 5.2 Use of the Card at any ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance will be further subject to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to should be used in conjunction with the Card when effecting a transaction at an ATM. The Cardholder may under no circumstances whatsoever disclose the PIN to any other person. 5.5 The Bank’s record of any Transaction effected in conjunction with a PIN shall be binding on the Cardholder as to its consequence and the information on the Bank’s system will be conclusive evidence and binding on the Cardholder. 5.6 The use of the Card by the Cardholder to obtain a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a finance charge/interest and fees on the amount of Cash Advance as prescribed by the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in full. The Bank may from time to time, vary the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and will be subject to the above charges. 5.8 The Bank reserves the right to change or withdraw this facility at its discretion

Cash Advance. 15.1 The Cardholder may obtain can use the Card to access cash at participating ATMs. The Card can be used to withdraw cash from all ATMs in India and abroad which carry the VISA/MasterCard/American Express Global Network Services/Other Networks logos if the Cardholder holds a VISA/MasterCard/ American Express Global Network Services/Other Network Card 15.2 The maximum Cash Advances up to a maximum percentage Limit that can be accessed for cash withdrawal on the Card will be specified by IndusInd Bank periodically. The total amount that can be outstanding at any point in time would be governed by Cash Limits specified by the Bank. 15.3 The Cardholder should retain with him the record of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations Card transaction generated by the ATM. 15.4 A transaction fee would be levied on all such charges and as maybe acceptable would be billed to the Cardholder in the next statement. All cash advances carry a transaction charge and a service charge which is applicable from the date of withdrawal until the date of settlement. Fees and charges applicable on date of withdrawl on cash withdrawal will be as per the schedule of charges published /provided by IndusInd Bank from time-to-time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction recordon Bank’s website. 5.2 Use 15.5 The Cardholder has the facility of accessing cash through the use of the Card at any ATMs that accept the Card. To enable such use, a four digit ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance Personal Identification Number (PIN) will be further subject issued to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATMCardholder on his request. The Cardholder agrees that: 15.5.1 The ATM PIN may under no circumstances whatsoever be subsequently communicated to the Cardholder through post or Courier and entirely at risk of the Cardholder. 15.5.2 The Cardholder shall not disclose the PIN to any other person and shall take all possible care to prevent its discovery by any person. 5.5 15.5.3 The Bank’s record of any Transaction effected in conjunction with a PIN Cardholder shall be binding on fully liable to the Cardholder as to its consequence and Bank for all transactions made with the information on ATM PIN whether with or without the Bank’s system will be conclusive evidence and binding on knowledge of the Cardholder. 5.6 15.5.4 The Cardholder shall not use the ATM PIN after the disclosure of the same to any third party. 15.5.5 IndusInd Bank may at its absolute discretion issue a replacement Card with a new ATM PIN for any loss or stolen Card or a new ATM PIN on the existing Card. 15.5.6 Subject to the foregoing provisions, the Cardholder will not hold the Bank liable in any manner whatsoever, in case of fraudulent/unauthorised use of the ATM PIN through the Card falling in the hands of any third party or through the ATM PIN coming to the knowledge of any third party. 15.6 The Cardholder acknowledges that the facility of cash withdrawal is made available by the Cardholder to obtain Bank on a Cash Advance shall be deemed to constitute best effort basis and will not hold the Agreement Bank responsible or liable in any manner for any consequences whatsoever in case of inability of the Cardholder to pay a finance chargewithdraw cash at an ATM on account of malfunction of the ATM or inadequate cash balance at the ATM or closure of an ATM site or otherwise howsoever. 15.7 The Bank will not accept responsibility for any dealings the Cardholder may have with any of the member banks participating in the shared payment network of VISA/interest and fees MasterCard/ American Express Global Network Services/Other Networks for usage of Card on the amount Participating ATMs/ Terminals, including but not limited to the supply of Cash Advance as prescribed by goods and/or services. The type of transactions offered on such ATMs may differ from those offered on the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in fullBank's own network. The Bank may from time to time, vary will only support the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and minimum transaction set that will be subject offered at the ATMs belonging to the above charges. 5.8 other networks. The Bank reserves the right to change or withdraw this facility at its discretionthe Card transaction set without any notice to the Cardholder.

Cash Advance. 15.1 The Cardholder may obtain can use the Card to access cash at participating ATMs. The Card can be used to withdraw cash from all ATMs in India and abroad which carry the VISA/MasterCard/American Express Global Network/ RuPay Services/Other Networks logos if the Cardholder holds a VISA/MasterCard/ American Express Global Network/RuPay Services/Other Network Card 15.2 The maximum Cash Advances up to a maximum percentage Limit that can be accessed for cash withdrawal on the Card will be specified by IndusInd Bank periodically. The total amount that can be outstanding at any point in time would be governed by Cash Limits specified by the Bank. 15.3 The Cardholder should retain with him the record of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations Card transaction generated by the ATM. 15.4 A transaction fee would be levied on all such charges and as maybe acceptable would be billed to the Cardholder in the next statement. All cash advances carry a transaction charge and a service charge which is applicable from the date of withdrawal until the date of settlement. Fees and charges applicable on date of withdrawl on cash withdrawal will be as per the schedule of charges published /provided by IndusInd Bank from time-to-time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction recordon Bank’s website. 5.2 Use 15.5 The Cardholder has the facility of accessing cash through the use of the Card at any ATMs that accept the Card. To enable such use, a four digit ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance Personal Identification Number (PIN) will be further subject issued to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATMCardholder on his request. The Cardholder agrees that: 15.5.1 The ATM PIN may under no circumstances whatsoever be subsequently communicated to the Cardholder through post or Courier and entirely at risk of the Cardholder. 15.5.2 The Cardholder shall not disclose the PIN to any other person and shall take all possible care to prevent its discovery by any person. 5.5 15.5.3 The Bank’s record of any Transaction effected in conjunction with a PIN Cardholder shall be binding on fully liable to the Cardholder as to its consequence and Bank for all transactions made with the information on ATM PIN whether with or without the Bank’s system will be conclusive evidence and binding on knowledge of the Cardholder. 5.6 15.5.4 The Cardholder shall not use the ATM PIN after the disclosure of the same to any third party. 15.5.5 IndusInd Bank may at its absolute discretion issue a replacement Card with a new ATM PIN for any loss or stolen Card or a new ATM PIN on the existing Card. 15.5.6 Subject to the foregoing provisions, the Cardholder will not hold the Bank liable in any manner whatsoever, in case of fraudulent/unauthorised use of the ATM PIN through the Card falling in the hands of any third party or through the ATM PIN coming to the knowledge of any third party. 15.6 The Cardholder acknowledges that the facility of cash withdrawal is made available by the Cardholder to obtain Bank on a Cash Advance shall be deemed to constitute best effort basis and will not hold the Agreement Bank responsible or liable in any manner for any consequences whatsoever in case of inability of the Cardholder to pay a finance chargewithdraw cash at an ATM on account of malfunction of the ATM or inadequate cash balance at the ATM or closure of an ATM site or otherwise howsoever. 15.7 The Bank will not accept responsibility for any dealings the Cardholder may have with any of the member banks participating in the shared payment network of VISA/interest and fees MasterCard/ American Express Global Network/ RuPay Services/Other Networks for usage of Card on the amount Participating ATMs/ Terminals, including but not limited to the supply of Cash Advance as prescribed by goods and/or services. The type of transactions offered on such ATMs may differ from those offered on the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in fullBank's own network. The Bank may from time to time, vary will only support the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and minimum transaction set that will be subject offered at the ATMs belonging to the above charges. 5.8 other networks. The Bank reserves the right to change or withdraw this facility at its discretionthe Card transaction set without any notice to the Cardholder.

Cash Advance. 9.1. The Cardholder may obtain Cash Advances up to a maximum percentage of the Credit Limit subject to availability of adequate credit, subject to Department of Foreign Exchange Control Regulations and and/or any other statutory regulations in forceand as maybe acceptable to the Bank from time to time at its absolute discretion by the following means; 5.1 (a) Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his the identity of the Cardholder and signing the necessary Transaction transaction record. 5.2 (b) Use of the Card at any ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement agreement for the use of the ATM of the said bank or institution institution, in which case the amount of each advance Cash Advance will be further subject to the applicable daily withdrawal limit of the relevant ATM. 5.3 9.3. In addition to respect of Cash Advances, ATM, bank, merchant, agent, local or country limits and restrictions, Foreign Exchange Control Regulations and/or and / or other regulatory authority restrictions issued Issued from time to time will also shall apply. 5.4 . The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction Transaction at an ATM. The Cardholder may shall under no circumstances whatsoever disclose the PIN to any other person. 5.5 9.4. The Bank’s record of any Card Transaction effected in conjunction with a PIN shall be binding on the Cardholder as to its consequence and the Cardholder. The information on the Bank’s system will systems shall be conclusive evidence proof that the Cardholder has authorized the Card Transaction and shall be binding on the Cardholder. 5.6 9.5. The use of the Card by the Cardholder to obtain a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a finance charge/, interest and & fees on the amount of the Cash Advance as prescribed by the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in full. The Bank may from time to time, vary the amount of finance charge payable by the Cardholder. 5.7 9.6. Any instrument purchased on the Card which are readily convertible to cash such as travellers chequesPre – Paid Travel Card, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and will be subject to the above chargescharges in 9.5 above 9.7. This facility maybe changed or withdrawn by the Bank without prior notice to the Cardholder. 5.8 The Bank reserves the right to change or withdraw this facility at its discretion

Cash Advance. 15.1 The Cardholder may obtain can use the Card to access cash at participating ATMs. The Card can be used to withdraw cash from all ATMs in India and abroad which carry the VISA/MasterCard/American Express Global Network/ RuPay Services/Other Networks logos if the Cardholder holds a VISA/MasterCard/ American Express Global Network/RuPay Services/Other Network Card 15.2 The maximum Cash Advances up to a maximum percentage Limit that can be accessed for cash withdrawal on the Card will be specified by IndusInd Bank periodically. The total amount that can be outstanding at any point in time would be governed by Cash Limits specified by the Bank. 15.3 The Cardholder should retain with him the record of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations Card transaction generated by the ATM. 15.4 A transaction fee would be levied on all such charges and as maybe acceptable would be billed to the Cardholder in the next statement. All cash advances carry a transaction charge and a service charge which is applicable from the date of withdrawal until the date of settlement. Fees and charges applicable on date of withdrawl on cash withdrawal will be as per the schedule of charges published /provided by IndusInd Bank from time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction recordtime‑to‑time on Bank’s website. 5.2 Use 15.5 The Cardholder has the facility of accessing cash through the use of the Card at any ATMs that accept the Card. To enable such use, a four digit ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance Personal Identification Number (PIN) will be further subject issued to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATMCardholder on his request. The Cardholder agrees that꞉ 15.5.1 The ATM PIN may under no circumstances whatsoever be subsequently communicated to the Cardholder through post or Courier and entirely at risk of the Cardholder. 15.5.2 The Cardholder shall not disclose the PIN to any other person and shall take all possible care to prevent its discovery by any person. 5.5 15.5.3 The Bank’s record of any Transaction effected in conjunction with a PIN Cardholder shall be binding on fully liable to the Cardholder as to its consequence and Bank for all transactions made with the information on ATM PIN whether with or without the Bank’s system will be conclusive evidence and binding on knowledge of the Cardholder. 5.6 15.5.4 The Cardholder shall not use the ATM PIN after the disclosure of the same to any third party. 15.5.5 IndusInd Bank may at its absolute discretion issue a replacement Card with a new ATM PIN for any loss or stolen Card or a new ATM PIN on the existing Card. 15.5.6 Subject to the foregoing provisions, the Cardholder will not hold the Bank liable in any manner whatsoever, in case of fraudulent/unauthorised use of the ATM PIN through the Card falling in the hands of any third party or through the ATM PIN coming to the knowledge of any third party. 15.6 The Cardholder acknowledges that the facility of cash withdrawal is made available by the Cardholder to obtain Bank on a Cash Advance shall be deemed to constitute best effort basis and will not hold the Agreement Bank responsible or liable in any manner for any consequences whatsoever in case of inability of the Cardholder to pay a finance chargewithdraw cash at an ATM on account of malfunction of the ATM or inadequate cash balance at the ATM or closure of an ATM site or otherwise howsoever. 15.7 The Bank will not accept responsibility for any dealings the Cardholder may have with any of the member banks participating in the shared payment network of VISA/interest and fees MasterCard/ American Express Global Network/ RuPay Services/Other Networks for usage of Card on the amount Participating ATMs/ Terminals, including but not limited to the supply of Cash Advance as prescribed by goods and/or services. The type of transactions offered on such ATMs may differ from those offered on the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in fullBank's own network. The Bank may from time to time, vary will only support the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and minimum transaction set that will be subject offered at the ATMs belonging to the above charges. 5.8 other networks. The Bank reserves the right to change or withdraw this facility at its discretionthe Card transaction set without any notice to the Cardholder.

Cash Advance. 15.1 The Cardholder may obtain can use the Card to access cash at participating ATMs. The Card can be used to withdraw cash from all ATMs in India and abroad which carry the VISA/ MasterCard/American Express Global Network Services/ Other Networks logos if the Cardholder holds a VISA/ MasterCard/American Express Global Network Services/ Other Network Card 15.2 The maximum Cash Advances up to a maximum percentage Limit that can be accessed for cash withdrawal on the Card will be specified by IndusInd Bank periodically. The total amount that can be outstanding at any point in time would be governed by Cash Limits specified by the Bank. 15.3 The Cardholder should retain with him the record of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations Card transaction generated by the ATM. 15.4 A transaction fee would be levied on all such charges and as maybe acceptable would be billed to the Cardholder in the next statement. All cash advances carry a transaction charge and a service charge which is applicable from the date of withdrawal until the date of settlement. Fees and charges applicable on date of withdrawl on cash withdrawal will be as per the schedule of charges published /provided by IndusInd Bank from time-to-time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction recordon Bank’s website. 5.2 Use 15.5 The Cardholder has the facility of accessing cash through the use of the Card at any ATMs that accept the Card. To enable such use, a four digit ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance Personal Identification Number (PIN) will be further subject issued to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATMCardholder on his request. The Cardholder agrees that: 15.5.1 The ATM PIN may under no circumstances whatsoever be subsequently communicated to the Cardholder through post or Courier and entirely at risk of the Cardholder. 15.5.2 The Cardholder shall not disclose the PIN to any other person and shall take all possible care to prevent its discovery by any person. 5.5 15.5.3 The Bank’s record of any Transaction effected in conjunction with a PIN Cardholder shall be binding on fully liable to the Cardholder as to its consequence and Bank for all transactions made with the information on ATM PIN whether with or without the Bank’s system will be conclusive evidence and binding on knowledge of the Cardholder. 5.6 15.5.4 The Cardholder shall not use the ATM PIN after the disclosure of the same to any third party. 15.5.5 IndusInd Bank may at its absolute discretion issue a replacement Card with a new ATM PIN for any loss or stolen Card or a new ATM PIN on the existing Card. 15.5.6 Subject to the foregoing provisions, the Cardholder will not hold the Bank liable in any manner whatsoever, in case of fraudulent/unauthorised use of the ATM PIN through the Card falling in the hands of any third party or through the ATM PIN coming to the knowledge of any third party. 15.6 The Cardholder acknowledges that the facility of cash withdrawal is made available by the Cardholder to obtain Bank on a Cash Advance shall be deemed to constitute best effort basis and will not hold the Agreement Bank responsible or liable in any manner for any consequences whatsoever in case of inability of the Cardholder to pay a finance chargewithdraw cash at an ATM on account of malfunction of the ATM or inadequate cash balance at the ATM or closure of an ATM site or otherwise howsoever. 15.7 The Bank will not accept responsibility for any dealings the Cardholder may have with any of the member banks participating in the shared payment network of VISA/interest and fees MasterCard/ American Express Global Network Services/Other Networks for usage of Card on the amount Participating ATMs/ Terminals, including but not limited to the supply of Cash Advance as prescribed by goods and/or services. The type of transactions offered on such ATMs may differ from those offered on the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in fullBank's own network. The Bank may from time to time, vary will only support the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and minimum transaction set that will be subject offered at the ATMs belonging to the above charges. 5.8 other networks. The Bank reserves the right to change or withdraw this facility at its discretionthe Card transaction set without any notice to the Cardholder.

Cash Advance. 9.1. The Cardholder may obtain Cash Advances up to a maximum percentage of the Credit Limit subject to availability of adequate credit, subject to Department of Foreign Exchange Control Regulations and and/or any other statutory regulations in forceand as maybe acceptable to the Bank from time to time 18 at its absolute discretion by the following means; 5.1 (a) Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his the identity of the Cardholder and signing the necessary Transaction transaction record. 5.2 (b) Use of the Card at any ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement agreement for the use of the ATM of the said bank or institution institution, in which case the amount of each advance Cash Advance will be further subject to the applicable daily withdrawal limit of the relevant ATM. 5.3 9.3. In addition to respect of Cash Advances, ATM, bank, merchant, agent, local or country limits and restrictions, Foreign Exchange Control Regulations and/or and / or other regulatory authority restrictions issued Issued from time to time will also shall apply. 5.4 . The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction Transaction at an ATM. The Cardholder may shall under no circumstances whatsoever disclose the PIN to any other person. 5.5 9.4. The Bank’s record of any Card Transaction effected in conjunction with a PIN shall be binding on the Cardholder as to its consequence and the Cardholder. The information on the Bank’s system will systems shall be conclusive evidence proof that the Cardholder has authorized the Card Transaction and shall be binding on the Cardholder. 5.6 9.5. The use of the Card by the Cardholder to obtain a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a finance charge/, interest and & fees on the amount of the Cash Advance as prescribed by the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in full. The Bank may from time to time, vary the amount of finance charge payable by the Cardholder. 5.7 9.6. Any instrument purchased on the Card which are readily convertible to cash such as travellers chequesPre – Paid Travel Card, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and will be subject to the above chargescharges in 9.5 above 9.7. This facility maybe changed or withdrawn by the Bank without prior notice to the Cardholder. 5.8 The Bank reserves the right to change or withdraw this facility at its discretion

Cash Advance. (a) The Cardholder may obtain Cash Advances up cash advances at the Bank’s discretion, where such cash advances will not cause the Cardholder’s available Credit Limit to a maximum percentage of be exceeded, by: (i) presenting the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations and as maybe acceptable to the Bank from time to time at its absolute discretion by the following means; 5.1 Presenting the Card Card-i at any of the branches of the Bank Bank’s offices or at any member institution of Visa/ MasterCard VISA International and/or Mastercard International together with evidence of his the Cardholder’s identity and signing the necessary Transaction transaction record.; or 5.2 Use of (ii) using the Card Credit Card-i at any ATM Automated Teller Machines (“ATM”) of the Bank or any member of the HSBC Group ATM Network or of any other bank or institution with whom where the Bank has an Agreement arrangement(s) for the use of their ATM. In both cases, the ATM of the said bank or institution in which case the maximum amount of each advance will that can be further subject to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued withdrawn from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATM. The Cardholder may under no circumstances whatsoever disclose the PIN to any other person. 5.5 The Bank’s record of any Transaction effected in conjunction with a PIN shall be binding on the Cardholder as to its consequence and the information on the Bank’s system will be conclusive evidence and binding on the Cardholder. 5.6 The use of the Card Account by the Cardholder to obtain a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a finance charge/interest and fees on the amount way of Cash Advance as prescribed will depend on the prevailing limit set by the Bank from time to time. A finance charge Where the Cash Advance is made via ATM, each cash advance will be subjected to the applicable daily withdrawal limit or the withdrawal limit per cash advance transaction of the ATM as well as Clause 9(c) below. The Bank has the right to impose a ceiling in percentage terms on the quantum of Credit Limit and the Cardholder’s available balance which can be utilised for cash advances. The Bank further has the right to vary such ceiling percentage from time to time as the Bank in its absolute discretion deems fit. (b) Cash advances will be subject to a cash advance fee of RM50 for each withdrawal. The cash advance fee shall be levied on each Cash Advance from debited to the Card Account as at the date of the advance until repayment in fullcash advance. The Bank also reserves the right, at its absolute discretion, to treat all Credit Card-i transactions relating to wire transfer and money order as cash advances and to impose a cash advance fee as stated above on all such transactions. (c) As provided in Clause 9(c)(ii), the Credit Card-i may be used at the Bank’s ATMs or point-of-sale terminals, in which case the Cardholder agrees that transactions effected through the ATMs or point-of-sale terminals are subject to additional terms and conditions as follows: (i) Subject to this Clause 9, the Cardholder may transfer such advance from time the Cardholder’s Card Account to timeany other account maintained with any branch of the Bank or HSBC Bank in Malaysia, vary provided that such advances do not cause the Cardholder’s available Credit Limit to be exceeded and are within the ceiling percentage imposed by the Bank on the quantum of Credit Limit. Such advances will be governed by the terms of this Agreement. (ii) Settlement of outstanding amounts under the Card Account may be made by a deposit in cash or by cheque (subject to Clause 9(c)(vi) below) or by a funds transfer of up to RM20,000 from the Cardholder’s account maintained with the Bank or HSBC Bank encoded on the Credit Card-i. (iii) The Cardholder shall not use or attempt to use the Credit Card-i for a funds withdrawal or funds transfer unless there is sufficient available balance in the Credit Limit of the Card Account. (iv) The Bank shall debit the Card Account with the amount of finance charge payable by any funds withdrawal or funds transfer effected with the use of the Credit Card-i whether with or without the Cardholder’s knowledge or authority. The Cardholder is deemed to have given consent for the Bank to do so. 5.7 Any instrument purchased on the Card which (v) All inter-country transactions via ATMs are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and will be subject to the above chargeslaws of the country where the transaction is done. For all such transactions, the exchange rates (if applicable) shall be the prevailing exchange rates as determined by the Bank at its sole discretion as at the date the transaction is posted into the Card Account Any exchange of currency shall observe the rulings of Bai al-Sarf. 5.8 (vi) The Bank reserves Cardholder agrees that in addition to this Agreement, the right Bank’s Generic Terms and Conditions governing deposit accounts will also apply to change the use of an ATM facility by the Cardholder when effecting banking transactions on the deposit accounts by electronic means, whether at ATMs, point-of-sale terminals or withdraw otherwise. Contents A. Acceptance of this facility at its discretionAgreement B. Definitions

Cash Advance. 15.1 The Cardholder may obtain can use the Card to access cash at participating ATMs. The Card can be used to withdraw cash from all ATMs in India and abroad which carry the VISA/MasterCard/American Express Global Network Services/Other Networks logos if the Cardholder holds a VISA/MasterCard/ American Express Global Network Services/Other Network Card 15.2 The maximum Cash Advances up to a maximum percentage Limit that can be accessed for cash withdrawal on the Card will be specified by IndusInd Bank periodically. The total amount that can be outstanding at any point in time would be governed by Cash Limits specified by the Bank. 15.3 The Cardholder should retain with him the record of the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations Card transaction generated by the ATM. 15.4 A transaction fee would be levied on all such charges and as maybe acceptable would be billed to the Cardholder in the next statement. All cash advances carry a transaction charge and a service charge which is applicable from the date of withdrawal until the date of settlement. Fees and charges applicable on date of withdrawl on cash withdrawal will be as per the schedule of charges published /provided by IndusInd Bank from time-to-time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the branches of the Bank or at any member institution of Visa/ MasterCard together with evidence of his identity and signing the necessary Transaction recordon Bank’s website. 5.2 Use 15.5 The Cardholder has the facility of accessing cash through the use of the Card at any ATMs that accept the Card. To enable such use, a four digit ATM of the Bank or of any other bank or institution with whom the Bank has an Agreement for the use of the ATM of the said bank or institution in which case the amount of each advance Personal Identification Number (PIN) will be further subject issued to the applicable daily withdrawal limit of the ATM. 5.3 In addition to ATM, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATMCardholder on his request. The Cardholder agrees that꞉ 15.5.1 The ATM PIN may under no circumstances whatsoever be subsequently communicated to the Cardholder through post or Courier and entirely at risk of the Cardholder. 15.5.2 The Cardholder shall not disclose the PIN to any other person and shall take all possible care to prevent its discovery by any person. 5.5 15.5.3 The Bank’s record of any Transaction effected in conjunction with a PIN Cardholder shall be binding on fully liable to the Cardholder as to its consequence and Bank for all transactions made with the information on ATM PIN whether with or without the Bank’s system will be conclusive evidence and binding on knowledge of the Cardholder. 5.6 15.5.4 The Cardholder shall not use the ATM PIN after the disclosure of the same to any third party. 15.5.5 IndusInd Bank may at its absolute discretion issue a replacement Card with a new ATM PIN for any loss or stolen Card or a new ATM PIN on the existing Card. 15.5.6 Subject to the foregoing provisions, the Cardholder will not hold the Bank liable in any manner whatsoever, in case of fraudulent/unauthorised use of the ATM PIN through the Card falling in the hands of any third party or through the ATM PIN coming to the knowledge of any third party. 15.6 The Cardholder acknowledges that the facility of cash withdrawal is made available by the Cardholder to obtain Bank on a Cash Advance shall be deemed to constitute best effort basis and will not hold the Agreement Bank responsible or liable in any manner for any consequences whatsoever in case of inability of the Cardholder to pay a finance chargewithdraw cash at an ATM on account of malfunction of the ATM or inadequate cash balance at the ATM or closure of an ATM site or otherwise howsoever. 15.7 The Bank will not accept responsibility for any dealings the Cardholder may have with any of the member banks participating in the shared payment network of VISA/interest and fees MasterCard/ American Express Global Network Services/Other Networks for usage of Card on the amount Participating ATMs/ Terminals, including but not limited to the supply of Cash Advance as prescribed by goods and/or services. The type of transactions offered on such ATMs may differ from those offered on the Bank from time to time. A finance charge shall be levied on each Cash Advance from the date of the advance until repayment in fullBank's own network. The Bank may from time to time, vary will only support the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on the Card which are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and minimum transaction set that will be subject offered at the ATMs belonging to the above charges. 5.8 other networks. The Bank reserves the right to change or withdraw this facility at its discretionthe Card transaction set without any notice to the Cardholder.

Cash Advance. (a) The Cardholder may obtain Cash Advances up cash advances at the Bank’s discretion subject to a maximum percentage of available Credit Limit and the Bank’s approval, where such cash advances will not cause the Cardholders available Credit Limit to be exceeded by presenting the Credit Limit subject to availability of adequate credit, subject to Department of Exchange Control Regulations and as maybe acceptable to the Bank from time to time at its absolute discretion by the following means; 5.1 Presenting the Card at any of the Bank’s offices branches of the Bank or at any member institution of Visa/ MasterCard VISA International and/or Mastercard International together with evidence of his the Cardholder’s identity and signing the necessary Transaction transaction record. 5.2 Use ; or Automated Teller Machines (“ATM”) of the Card at Bank’s ATM or any ATM member of the Bank HSBC Group’s which displays VISA/PLUS network or Mastercard/Cirrus Network logo. or of any other bank or institution with whom where the Bank has an Agreement arrangement(s) for the use of the ATM of the said bank or institution in which case the amount of each advance will be further subject to the applicable daily withdrawal limit of the their ATM. 5.3 (b) In addition to ATMboth cases, bank, merchant, agent, local or country limits and restrictions, Exchange Control Regulations and/or other regulatory authority restrictions issued the maximum amount that can be withdrawn from time to time will also apply. 5.4 The Bank will provide a PIN to be used in conjunction with the Card when effecting a transaction at an ATM. The Cardholder may under no circumstances whatsoever disclose the PIN to any other person. 5.5 The Bank’s record of any Transaction effected in conjunction with a PIN shall be binding on the Cardholder as to its consequence and the information on the Bank’s system will be conclusive evidence and binding on the Cardholder. 5.6 The use of the Card Account by the Cardholder to obtain a Cash Advance shall be deemed to constitute the Agreement of the Cardholder to pay a finance charge/interest and fees on the amount way of Cash Advance as prescribed will depend on the prevailing limit set by the Bank from time to time. A finance charge Where the Cash advance is withdrawal limit will be made available at the point of withdrawal. subjected to the applicable daily withdrawal limit or the withdrawal limit per cash advance transaction of the ATM as well as Clause 9 (d) below. The Bank has the right to impose a ceiling in percentage terms on the quantum of Credit Limit and the Cardholder’s available balance which can be utilised for cash advances. The Bank further has the right to vary such ceiling percentage from time to time as the Bank in its absolute discretion deems fit. (c) Cash advances will be subject to a cash advance fee of 5% of the amount advanced or RM15, whichever is higher. The cash advance fee shall be levied debited to the Card Account as at the date of the cash advance disbursement on each Cash Advance the date of withdrawal. The Bank also reserves the right, at its absolute discretion, to treat all Credit Card transactions relating to wire transfer and money order as cash advances and to impose a cash advance fee as stated above on all such transactions. (d) The Finance Charge shall be charged at a is 18% per annum on the cash advances amount taken, calculated from the date of the advance disbursement withdrawal date until repayment payment in full. The Bank may from time to time, vary the amount of finance charge payable by the Cardholder. 5.7 Any instrument purchased on (e) Cash advance As provided in Clause 9(a)(ii), the Credit Card may be used at the Bank’s ATMs or point-of-sale terminals, in which case the Cardholder agrees that transactions effected through the ATMs or point of sale terminals made via ATMs are readily convertible to cash such as travellers cheques, demand drafts, telegraphic transfers etc. will also be treated as Cash Advances and will be subject to the above chargesfollowing: additional terms and conditions as follows: (i) The Bank shall debit the Card Account with the cash advance amount at point of withdrawal or fund transfer. Subject to this Clause 9, the Cardholder may transfer such advance from the Cardholder’s Card Account to any other account maintained with any branch of the Bank or HSBC Amanah in Malaysia, provided that such advances do not cause the Cardholder’s available Credit Limit to be exceeded and are within the ceiling percentage imposed by the Bank on the quantum of Credit Limit. Such advances will be governed by the terms of this Agreement. 5.8 (ii) Settlement of outstanding amounts under the Card Account may be made by a deposit in cash or by cheque (subject to Clause 9(d)(vi) below) or by a funds transfer of up to RM20,000 from the Cardholder’s account maintained with the Bank or HSBC Amanah encoded on the Credit Card. The Cardholder shall not use or attempt to use the Credit Card for a funds withdrawal or funds transfer unless there is sufficient available balance in the Credit Limit of the Card Account. All inter-country transactions via ATMs are subject to the laws of the country where the transaction is done performed. For all such transactions, the exchange rates (if applicable) shall be the prevailing exchange rates as determined by the Bank reserves the right to change or withdraw this facility at its discretionsole discretion as at the date the transaction is posted debited into the Card Account. The Cardholder agrees that in addition to this Agreement, the Bank’s Generic Terms and Conditions governing deposit accounts will also apply to the use of an ATM facility by the Cardholder when effecting banking transactions on the deposit accounts by electronic means, whether at ATMs, point-of-sale terminals or otherwise.