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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to use the Card, a Personal Identification Number will be issued to him/her. In the event the same is not received in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN supplies entry to the Card Account and the Cardholder accepts the sole accountability to be used, confidentiality and protection of the PIN, as well as for all orders and data modifications entered into the Card Account utilizing such PIN.

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Use of the Card at any ATM of the Bank or another financial institution or institution with whom the Bank has an Agreement for the usage of the ATM of the said financial institution or institution by which case advance shall be additional subject to the applicable daily withdrawal limit of the ATM. BRAC Bank Limited reserves absolutely the discretion and liberty to say no or honor the authorization requests on the Card without assigning any cause. In certain circumstances, topic to its sole discretion, BRAC Bank Limited might require the Cardholder to contact the Bank’s 24-hour Call Center to authenticate the transaction before approving it and charging it to the Card Account. “Terms and Conditions” means the terms and conditions set out herein and/or as could additionally be stipulated by BRAC Bank Limited from time to time, as amended. “Cash Advance” means any quantity obtained by the use of the Card, the Card number or the PIN or in any manner authorized by the Cardholder from the Bank or another financial institution or monetary institution for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the basis of utility made by the Cardholder underneath the name of VISA, MasterCard or JCB and in addition consists of Primary, Supplementary/Additional and Replacement/Re-issued Cards.

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