Common use of CHARGING PRIVILEGES Clause in Contracts

CHARGING PRIVILEGES. 4.1 The Credit Card confers upon the Cardmember the privilege (hereinafter called “Charging Privileges”) under his Credit Card Account: (a) to sign bills of credit or key in the Cardmember’s PIN into the point-of-sale terminal with merchants listed with MasterCard International, Visa International and/or with any other franchise held by the Bank; and/or (b) to effect transactions by providing merchants listed with MasterCard International, Visa International and/or with any other franchise held by the Bank with the number of the Credit Card together with such other particulars as may be recorded on the Credit Card and without the requirement of the Cardmember’s signature or PIN as in the case of transactions effected through electronic commerce, the Internet, mail and/or telephone order and at specific electronic and/or point-of-sale terminals (whether self-service or otherwise) including but not limited to transactions effected at petrol kiosks and/or through such other modes that may be introduced or implemented from time to time. 4.2 The Credit Card shall not be used for unlawful transactions including but not limited to illegal betting by electronic online, internet or similar means. Without prejudice to the generality of Clauses 4.4, 6.2 and 6.3, the Bank may at its sole and absolute discretion suspend, cancel or revoke the Cardmember’s privilege to use the Credit Card in respect of a specific transaction or all transactions if the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmember) that the transaction or transactions is or are illegal. 4.3 The Cardmember hereby irrevocably agrees and confirms that the Cardmember shall be liable to the Bank for all liabilities incurred by the Cardmember through the use of his Credit Card and charged by the Bank to the Cardmember’s Credit Card Account, whether shown in any transaction receipt or not. Failure to sign any transaction receipt or provide the Cardmember’s PIN will not relieve the Cardmember from liability to the bank in respect thereof if, based on satisfactory evidence, the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmember) that the Cardmember did perform the transaction and/or that the omission is due to the nature of the transaction or due to an oversight on the part of the Cardmember and/or the merchant and/or the member bank of MasterCard International, Visa International and/or any other franchise held by the Bank for which there is alternative recourse or resolution mechanism. 4.4 The Charging Privileges conferred on the Cardmember shall at all times remain a privilege rather than a right and shall be subject to the Bank’s rights at any time at its sole and absolute discretion to review and/or vary the Line of Credit under Clause 5.4 and/or under Clauses 6.2 and 6.3 to suspend, cancel or refuse to renew or replace the Credit Card or to terminate this Agreement or to revoke the Cardmember’s privilege to use the Credit Card in respect of a specific transaction or to vary any of the terms thereof under this Agreement. 4.5 The Charging Privileges conferred on the Supplementary Cardmember shall at all times be subject to the Supplementary Monthly Monitoring Limit imposed, if any. The Bank may at its sole and absolute discretion allow or refuse to permit the Supplementary Cardmember to exceed such Supplementary Monthly Monitoring Limit. Where the Bank has at its sole and absolute discretion allowed a Supplementary Cardmember to exceed the Supplementary Monthly Monitoring Limit (if any) imposed on the Supplementary Cardmember, the joint and several liability of the Cardmember and such Supplementary Cardmember for the use of the Supplementary Credit Card shall extend to include all charges and all cash advances obtained by the Supplementary Cardmember. 4.6 The Bank reserves the right at its sole and absolute discretion at any time by giving 21 days’ prior notice to amend, modify, revise, restrict, increase, suspend, cancel or withdraw all or any facilities, services, benefits and privileges conferred on the Cardmember from time to time.

CHARGING PRIVILEGES. 4.1 4.1. The Credit Card confers upon the Cardmember you the privilege (hereinafter called “Charging Privileges”) under his your Credit Card Account: (a) to sign bills of credit or key in the Cardmember’s your PIN into the point-of-sale terminal with merchants listed with MasterCard International, Visa International and/or with any other franchise held by the Bank; and/or (b) to effect transactions by providing merchants listed with MasterCard International, Visa International and/or with any other franchise held by the Bank with the number of the Credit Card together with such other particulars as may be recorded on the Credit Card and without the requirement of the Cardmember’s your signature or PIN as in the case of transactions effected through electronic commerce, the Internet, mail and/or telephone order and at specific electronic and/or point-of-sale terminals (whether self-service or otherwise) including but not limited to transactions effected at petrol kiosks and/or through such other modes that may be introduced or implemented from time to time. 4.2 4.2. The Credit Card shall not be used for unlawful transactions including but not limited to illegal betting by electronic online, internet or similar means. Without prejudice to the generality of Clauses 4.4, 6.2 and 6.3, the Bank may at its sole and absolute discretion suspend, cancel or revoke the Cardmember’s your privilege to use the Credit Card in respect of a specific transaction or all transactions if the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmemberyou ) that the transaction or transactions is or are illegal. 4.3 The Cardmember 4.3. You hereby irrevocably agrees and confirms that the Cardmember you shall be liable to the Bank for all liabilities incurred by the Cardmember you through the use of his Credit Card and charged by the Bank to the Cardmember’s your Credit Card Account, whether shown in any transaction receipt or not. Failure to sign any transaction receipt or provide the Cardmember’s your PIN will not relieve the Cardmember you from liability to the bank in respect thereof if, based on satisfactory documentary evidence, the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmemberyou ) that the Cardmember did perform the transaction and/or that the omission is due to the nature of the transaction or due to an oversight on the your part of the Cardmember and/or the merchant and/or the member bank of MasterCard Internationalinternational, Visa International and/or any other franchise held by the Bank for which there is alternative recourse or resolution mechanismBank. 4.4 4.4. The Charging Privileges conferred on the Cardmember you shall at all times remain a privilege rather than a right and shall be subject to the Bank’s rights at any time at its sole and absolute discretion to review and/or vary the Line of Credit under Clause 5.4 and/or under Clauses 6.2 and 6.3 to suspend, cancel or refuse to renew or replace the Credit Card or to terminate this Agreement or to revoke the Cardmember’s your privilege to use the Credit Card in respect of a specific transaction or to vary any of the terms thereof under this Agreement. 4.5 4.5. The Charging Privileges conferred on the Supplementary Cardmember shall at all times be subject to the Supplementary Monthly Monitoring Limit imposed, if any. The Bank may at its sole and absolute discretion allow or refuse to permit the Supplementary Cardmember to exceed such Supplementary Monthly Monitoring Limit, without assigning any reason thereof. Where the Bank has at its sole and absolute discretion allowed a Supplementary Cardmember to exceed the Supplementary Monthly Monitoring Limit (if any) imposed on the Supplementary Cardmember, the your joint and several liability of the Cardmember and such Supplementary Cardmember for the use of the Supplementary Credit Card shall extend to include all charges and all cash advances obtained by the Supplementary Cardmember. 4.6 4.6. The Bank reserves the right at its sole and absolute discretion at any time by giving 21 days’ prior notice (whether with or without assigning any reason) to amend, modify, revise, restrict, increase, suspend, cancel or withdraw all or any facilities, services, benefits and privileges conferred on the Cardmember you from time to time.

CHARGING PRIVILEGES. 4.1 The Credit Card confers upon the Cardmember the privilege (hereinafter called “Charging Privileges”) under his Credit Card Account: (a) to sign bills of credit or key in the Cardmember’s PIN into the point-of-sale terminal with merchants listed with MasterCard International, Visa International and/or and/ or with any other franchise held by the Bank; and/or (b) to effect transactions by providing merchants listed with MasterCard International, Visa International and/or and/ or with any other franchise held by the Bank with the number of the Credit Card together with such other particulars as may be recorded on the Credit Card and without the requirement of the Cardmember’s signature or PIN as in the case of transactions effected through electronic commerce, the Internet, mail and/or telephone order and at specific electronic and/or point-of-sale terminals (whether self-service or otherwise) including but not limited to transactions effected at petrol kiosks and/or through such other modes that may be introduced or implemented from time to time. 4.2 The Credit Card shall not be used for unlawful transactions including but not limited to illegal betting by electronic online, internet or similar means. Without prejudice to the generality of Clauses 4.4, 6.2 and 6.3, the Bank may at its sole and absolute discretion suspend, cancel or revoke the Cardmember’s privilege to use the Credit Card in respect of a specific transaction or all transactions if the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmember) that the transaction or transactions is or are illegal. 4.3 The Cardmember hereby irrevocably agrees and confirms that the Cardmember shall be liable to the Bank for all liabilities incurred by the Cardmember through the use of his Credit Card and charged by the Bank to the Cardmember’s Credit Card Account, whether shown in any transaction receipt or not. Failure to sign any transaction receipt or provide the Cardmember’s PIN will not relieve the Cardmember from liability to the bank in respect thereof if, based on satisfactory documentary evidence, the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmember) that the Cardmember did perform the transaction and/or that the omission is due to the nature of the transaction or due to an oversight on the part of the Cardmember and/or and/ or the merchant and/or the member bank of MasterCard International, Visa International and/or any other franchise held by the Bank for which there is alternative recourse or resolution mechanismBank. 4.4 The Charging Privileges conferred on the Cardmember shall at all times remain a privilege rather than a right and shall be subject to the Bank’s rights at any time at its sole and absolute discretion to review and/or vary the Line of Credit under Clause 5.4 and/or under Clauses 6.2 and 6.3 to suspend, cancel or refuse to renew or replace the Credit Card or to terminate this Agreement or to revoke the Cardmember’s privilege to use the Credit Card in respect of a specific transaction or to vary any of the terms thereof under this Agreement. 4.5 The Charging Privileges conferred on the Supplementary Cardmember shall at all times be subject to the Supplementary Monthly Monitoring Limit imposed, if any. The Bank may at its sole and absolute discretion allow or refuse to permit the Supplementary Cardmember to exceed such Supplementary Monthly Monitoring Limit, without assigning any reason thereof. Where the Bank has at its sole and absolute discretion allowed a Supplementary Cardmember to exceed the Supplementary Monthly Monitoring Limit (if any) imposed on the Supplementary Cardmember, the joint and several liability of the Cardmember and such Supplementary Cardmember for the use of the Supplementary Credit Card shall extend to include all charges and all cash advances obtained by the Supplementary Cardmember. 4.6 The Bank reserves the right at its sole and absolute discretion at any time by giving 21 days’ prior notice (whether with or without assigning any reason) to amend, modify, revise, restrict, increase, suspend, cancel or withdraw all or any facilities, services, benefits and privileges conferred on the Cardmember from time to time.

CHARGING PRIVILEGES. 4.1 4.1. The Credit Card confers upon the Cardmember the privilege (hereinafter called “Charging Privileges”) under his Credit Card Account: (a) to sign bills of credit or key in the Cardmember’s PIN into the point-of-sale terminal with merchants listed with MasterCard International, Visa International and/or with any other franchise held by the Bank; and/or (b) to effect transactions by providing merchants listed with MasterCard International, Visa International and/or with any other franchise held by the Bank with the number of the Credit Card together with such other particulars as may be recorded on the Credit Card and without the requirement of the Cardmember’s signature or PIN as in the case of transactions effected through electronic commerce, the Internet, mail and/or telephone order and at specific electronic and/or point-of-sale terminals (whether self-service or otherwise) including but not limited to transactions effected at petrol kiosks and/or through such other modes that may be introduced or implemented from time to time. 4.2 4.2. The Credit Card shall not be used for unlawful transactions including but not limited to illegal betting by electronic online, internet or similar means. Without prejudice to the generality of Clauses 4.4, 6.2 and 6.3, the Bank may at its sole and absolute discretion suspend, cancel or revoke the Cardmember’s privilege to use the Credit Card in respect of a specific transaction or all transactions if the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmember) that the transaction or transactions is or are illegal. 4.3 4.3. The Cardmember hereby irrevocably agrees and confirms that the Cardmember shall be liable to the Bank for all liabilities incurred by the Cardmember through the use of his Credit Card and charged by the Bank to the Cardmember’s Credit Card Account, whether shown in any transaction receipt or not. Failure to sign any transaction receipt or provide the Cardmember’s PIN will not relieve the Cardmember from liability to the bank in respect thereof if, based on satisfactory documentary evidence, the Bank is of the opinion (which opinion shall be conclusive and binding upon the Cardmember) that the Cardmember did perform the transaction and/or that the omission is due to the nature of the transaction or due to an oversight on the part of the Cardmember and/or the merchant and/or the member bank of MasterCard Internationalinternational, Visa International and/or any other franchise held by the Bank for which there is alternative recourse or resolution mechanismBank. 4.4 4.4. The Charging Privileges conferred on the Cardmember shall at all times remain a privilege rather than a right and shall be subject to the Bank’s rights at any time at its sole and absolute discretion to review and/or vary the Line of Credit under Clause 5.4 and/or under Clauses 6.2 and 6.3 to suspend, cancel or refuse to renew or replace the Credit Card or to terminate this Agreement or to revoke the Cardmember’s privilege to use the Credit Card in respect of a specific transaction or to vary any of the terms thereof under this Agreement. 4.5 4.5. The Charging Privileges conferred on the Supplementary Cardmember shall at all times be subject to the Supplementary Monthly Monitoring Limit imposed, if any. The Bank may at its sole and absolute discretion allow or refuse to permit the Supplementary Cardmember to exceed such Supplementary Monthly Monitoring Limit, without assigning any reason thereof. Where the Bank has at its sole and absolute discretion allowed a Supplementary Cardmember to exceed the Supplementary Monthly Monitoring Limit (if any) imposed on the Supplementary Cardmember, the joint and several liability of the Cardmember and such Supplementary Cardmember for the use of the Supplementary Credit Card shall extend to include all charges and all cash advances obtained by the Supplementary Cardmember. 4.6 4.6. The Bank reserves the right at its sole and absolute discretion at any time by giving 21 days’ prior notice (whether with or without assigning any reason) to amend, modify, revise, restrict, increase, suspend, cancel or withdraw all or any facilities, services, benefits and privileges conferred on the Cardmember from time to time.