Common use of PIN Clause in Contracts

PIN. 10.1 Cardmember is required to select a preferred PIN when activating the Card. The selected PIN shall remain effective until it is cancelled by, or with the agreement of, the Bank. Cardmember shall not use a PIN selected from the cardholder’s birth date, identity card, passport, driving licence or contact numbers. A Cardmember may change the PIN at any time by such means as the Bank may prescribe and the new PIN shall take effect immediately. 10.2 A Cardmember shall not disclose the PIN of a Card to any other Person under any circumstances or by any means whatsoever whether voluntarily or otherwise. A Cardmember shall act in good faith, exercise reasonable care and diligence and use all reasonable precaution in keeping such PIN secret and confidential and prevent any loss, theft or unauthorised use of the Card. The Cardmember should not keep any written record of the PIN at any place or on anything kept in close proximity with the Card or manner which may enable a third party to have access and/or make use of the Card. Failure to comply with this requirement will expose the Cardmember to the consequences of theft and/or unauthorised use of the Card, for which the Bank will not be in any way liable. The Cardmember shall hold the Bank free from all claims and liabilities from all parties whomsoever arising from the use of the PIN whether authorised or otherwise. 10.3 If a Cardmember becomes aware that the PIN is or may be known to any other Person, he/she shall as soon as reasonably practicable inform the Bank or call the Hotline. Such Cardmember shall change the PIN as soon as possible (if applicable). If a Card incorporates a facility to enable such Card to be used to access a Cardmember's bank account with the Bank using the PIN, such Cardmember shall also as soon as reasonably practicable inform the Bank through the Bank's 24-hour lost card hotline or by any other means acceptable to the Bank in accordance with the Bank’s terms and conditions governing such bank account.

PIN. 10.1 Cardmember is required to select a preferred PIN when activating the Card. The selected PIN shall remain effective until it is cancelled by, or with the agreement of, the Bank. Cardmember shall not use a PIN selected from the cardholder’s birth date, identity card, passport, driving licence or contact numbers. .A Cardmember may change the PIN at any time by such means as the Bank may prescribe and the new PIN shall take effect immediately. 10.2 A Cardmember shall not disclose the PIN of a Card to any other Person under any circumstances or by any means whatsoever whether voluntarily or otherwise. A Cardmember shall act in good faith, exercise reasonable care and diligence and use all reasonable precaution in keeping such PIN secret and confidential and prevent any loss, theft or unauthorised use of the Card. The Cardmember should not keep any written record of the PIN at any place or on anything kept in close proximity with the Card or manner which may enable a third party to have access and/or make use of the Card. Failure to comply with this requirement will expose the Cardmember to the consequences of theft and/or unauthorised use of the Card, for which the Bank will not be in any way liable. The Cardmember shall hold the Bank free from all claims and liabilities from all parties whomsoever arising from the use of the PIN whether authorised or otherwise. 10.3 If a Cardmember becomes aware that the PIN is or may be known to any other Person, he/she shall as soon as reasonably practicable inform the Bank or call the Hotline. Such Cardmember shall change the PIN as soon as possible (if applicable). If a Card incorporates a facility to enable such Card to be used to access a Cardmember's bank account with the Bank using the PIN, such Cardmember shall also as soon as reasonably practicable inform the Bank through the Bank's 24-hour lost card hotline or by any other means acceptable to the Bank in accordance with the Bank’s terms and conditions governing such bank account.

PIN. 10.1 8.1 Any PIN issued to the Cardmember shall be sent by ordinary post to the Cardmember in which event the transmission by post shall be at the Cardmember's sole risk. 8.2 The Cardmember shall: (a) destroy the original print copy of the PIN; (b) not disclose the PIN to any other person; (c) not write down the PIN on the card; and (d) act in good faith and exercise reasonable care and diligence in keeping such PIN secret. 8.3 Subject to Clause 8.8 below, the Cardmember shall be liable for all transactions made through the use of the PIN and the Card whether with or without the Cardmember's knowledge or authority and whether or not the Bank is required notified of any unauthorised use of the PIN. 8.4 The Bank is entitled at its absolute discretion to select change or terminate the Cardmember's use of the PIN at any time without giving any reason and without giving the Cardmember prior notice. 8.5 All transactions made through the ATMs shall also be subject to the relevant bank's ATM terms and conditions and the Bank’s ATM terms and conditions, as supplemented or amended from time to time in the Bank’s absolute discretion (as the case may be). 8.6 As soon as a preferred PIN when activating is assigned by the Card. The selected PIN Bank to a Cardmember, it shall remain effective until it is cancelled by, or with the agreement of, of the Bank. Cardmember shall not use a PIN selected from the cardholder’s birth date, identity card, passport, driving licence or contact numbers. A Cardmember may change the PIN at any time by such means as the Bank may prescribe and the new PIN shall take effect immediately. Cardmembers are advised not to use numbers such as telephone numbers or other easily accessible personal information as their PINs. 10.2 A 8.7 The Bank may determine at its sole discretion the facilities that the Cardmembers may utilise using their PINs. The Bank may also modify any such facilities as it wishes. 8.8 Loss, Theft or Unauthorised Use of the Card and Disclosure of PIN (a) Each Cardmember shall not disclose at all times exercise all possible care to ensure the safety of the Card and PIN and that the PIN of a Card is only known to the Cardmember and not disclosed to any other Person under person. The Cardmember shall immediately report to the Bank if his Card is lost, stolen or misused or the PIN is disclosed to any circumstances other person by calling the Bank’s Hotline or by any means whatsoever whether voluntarily or otherwisenotifying the Bank in writing. A The Cardmember shall act in good faith, exercise reasonable care and diligence and use all reasonable precaution in keeping such PIN secret and confidential and prevent any lodge a police report accompanied by written confirmation of the loss, theft or unauthorised use misuse of the Card. The Cardmember should not keep any written record Card or disclosure of the PIN at any place or on anything kept in close proximity with the Card or manner which may enable a third party and to have access and/or make use of the Card. Failure to comply with this requirement will expose the Cardmember provide to the consequences of theft and/or unauthorised use of the Card, for which Bank any other information that the Bank will not be in any way liable. The Cardmember shall hold the Bank free from all claims and liabilities from all parties whomsoever arising from the use of the PIN whether authorised or otherwise. 10.3 If a Cardmember becomes aware that the PIN is or may be known to any other Person, he/she shall as soon as reasonably practicable inform the Bank or call the Hotline. Such Cardmember shall change the PIN as soon as possible (if applicable)require. If a Card incorporates a facility to enable such Card to be used to access a Cardmember's bank account with the Bank using the PIN, such Cardmember shall also as soon as reasonably practicable inform the Bank through the Bank's 24-hour lost card hotline Hotline or by any other means acceptable to the Bank in accordance with the Bank’s terms and conditions governing such bank account. (b) If the Cardmember’s Card is lost or stolen or if the PIN is disclosed without the Cardmember’s authorisation, the Cardmember’s liability for unauthorised transactions effected after such loss, theft or unauthorised disclosure but before the Bank is notified thereof shall be limited to S$100 provided that: (i) the Cardmember had not acted fraudulently or was not grossly negligent or had not otherwise failed to inform the Bank as soon as reasonably practicable after becoming aware that the card had been lost, stolen or misused or the PIN is disclosed to another person; (ii) Clause 8.8(a) above had been duty complied with by the Cardmember; (iii) the Cardmember (A) assists the Bank in the investigation; and (B) furnishes to the Bank promptly all documents and information as may be required by the Bank from time to time including without limitation a statutory declaration; and (iv) the Bank is satisfied that such loss, theft or misuse of the card or disclosure of the PIN is not due to the Cardmember’s gross negligence or fraud. The Bank shall have the right to investigate and may in its sole discretion consider waiving the S$100 liability for unauthorised use of the card on a case by case basis. 8.9 All lost, stolen or misused Cards shall not be used by the Cardmember even if subsequently retrieved. The Cardmember shall cut such Card in half and return the pieces immediately to the Bank. In the event such Cards are used, the Cardmember shall be liable to indemnify the Bank against all claims, demands, actions, proceedings, damages, losses, costs and expenses including all legal fees and disbursements brought against or incurred by such Bank in connection thereto. 8.10 Replacement and Renewal of Cards (a) Unless and until any termination or suspension takes place, the Bank shall have the absolute discretion to issue the Cardmember with renewal Cards from time to time and to replace Cards which have expired. (b) In respect of a lost, stolen or misused Card or disclosure of the PIN, the Bank shall have the absolute discretion in deciding on the issuance of a replacement PIN and/or a replacement Card in place of the lost, stolen or misused Card on such terms and conditions as the Bank may think fit, including, but not limited to, imposing a handling charge. (c) The terms and conditions in this Agreement shall apply equally to all such renewal and/or replacement cards and the Cardmember shall be bound accordingly.

PIN. 10.1 Cardmember is required to select a preferred PIN when activating the Card. The selected PIN shall remain effective until it is cancelled by, or with the agreement of, the Bank. Cardmember shall not use a PIN selected from the cardholder’s birth date, identity card, passport, driving licence or contact numbers. A Cardmember may change the PIN at any time by such means as the Bank may prescribe and the new PIN shall take effect immediately. 10.2 A Cardmember shall not disclose the PIN of a Card to any other Person under any circumstances or by any means whatsoever whether voluntarily or otherwise. A Cardmember shall act in good faith, exercise reasonable care and diligence and use all reasonable precaution in keeping such PIN secret and confidential and prevent any loss, theft or unauthorised use of the Card. The Cardmember should not keep any written record of the PIN at any place or on anything kept in close proximity with the Card or manner which may enable a third party to have access and/or make use of the Card. Failure to comply with this requirement will expose the Cardmember to the consequences of theft and/or unauthorised use of the Card, for which the Bank will not be in any way liable. The Cardmember shall hold the Bank free from all claims and liabilities from all parties whomsoever arising from the use of the PIN whether authorised or otherwise. 10.3 If a Cardmember becomes aware that the PIN is or may be known to any other Person, he/she shall as soon as reasonably practicable inform the Bank or call the Hotline. Such Cardmember shall change the PIN as soon as possible (if applicable). If a Card incorporates a facility to enable such Card to be used to access a Cardmember's bank account with the Bank using the PIN, such Cardmember shall also as soon as reasonably practicable inform the Bank through the Bank's 24-hour lost card hotline or by any other means acceptable to the Bank in accordance with the Bank’s terms and conditions governing such bank account.