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Subject to the necessities of statute, notification of any such change shall be given to the Cardholder by the Bank both in writing or by publication thereof. Such changes shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints will be resolved as per the policy of respective cost community (Visa/ Mastercard) and the decision of the cost network shall be thought of as final. The Bank can’t be held answerable for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to notify BRAC Bank within 120 days of buying the product/service; the Bank will not be held liable to entertain the complaint. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and switch the whole or any part of its rights of obligations beneath this Agreement.

Installment tenure might range from three to 36 months. In the event that the cardholder recovers the misplaced or stolen card, he/she shall immediately return the identical cut in halves to the Bank with out using it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the identical to another get together. BRAC Bank shall present Statement by way of e-mail until the Cardholder explicitly informs the Bank that s/he needs hardcopy statement.

If the current balance is less than Minimum Amount Due then the present stability becomes absolutely due. However, if the Minimum Amount Due isn’t paid by the fee due date or solely partly paid, the unpaid amount shall be added to the following statement’s Minimum Amount Due. Such transactions may also be topic in to a financial institution Charge as the Bank could decide in its sole discretion once in a while. The exchange rate may differ from the speed on the transaction date as a result of market fluctuation. The BRAC Bank’s 24-Hour Call Center is on the market to all Cardholders.

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“Credit Limit / Purchase Limit” means the utmost debit stability permitted by the Bank for the Card Account for the Primary and the Supplementary Card, if any and notified to the Primary Cardholder every so often. “Cardholder” means an individual whose name is in a Card Account and who is answerable for all transactions and liabilities on the Card Account. It consists of Primary and any Supplementary Cards. “Authorized Dealer” means a certified supplier as defined in the Foreign Exchange Regulations Act 1947 as amended every so often.

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All statutory taxes, service tax, VAT, all other imposts, duties and taxes as could additionally be levied every so often by the Government or different authority in respect of or in connection with the Card. The cash advance charge and finance charge are non-refundable. The Bank at its sole discretion could reverse the partial or full quantity. “Minimum Amount Due” means the minimal quantity specified by the Bank in statement which if paid by the Payment Due Date will prevent any late fee charge.

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The Cardholder undertakes to signal such additional doc as could also be requested by the Bank every so often to offer effect to such project and switch. Information may also be processed for the needs of complying with applicable laws, together with anti-money laundering and anti-terrorism laws and regulations and preventing crime and terrorism. This might require the disclosure of data to a Bangladeshi or overseas governmental or regulatory authorities or to another person we moderately assume essential for these purposes.

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The Supplementary Cardholder should be of 18 years of age or over. The problem of the Supplementary Card shall be subject to such Terms and Conditions, which the Bank may deem needed. The payment 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 proven on that Statement of Account.

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