8.2) The undertakings, Liabilities and obligations of the Cardmember to the Bank and the Bank’s rights herein shall not be affected in any way by any dispute or counter claim or right of set off which the Cardmember and the Supplementary/Virtual Cardmember may have against each other. Commencement Date means the date the Cardmember is enrolled for Credit Cover by the Bank. Up to 75% of credit limit (Maximum) or Minimum PKR 3,000/- on the said Credit Card Account can be availed as COP and further converted into SBS, however, the Bank may at any time, without giving prior information to the Customer,change the above mentioned limits. Some products are only available via TV, VCR, Refrigerator, Computers, Cars, Vehicles, Cash, Shares and other valuables etc. Credit Cards – Terms and Conditions Non-advised – For the majority of our products we only provide you with information, not advice, to help you decide if a product is right for you. Rupee means Pakistani Rupee for the purpose of these Terms and Conditions. If in defiance of this clause the Cardmember gives/uses his Card number on the Internet then the cardmember shall reimburse the bank for full amount of any loss, damage or expense incurred by the bank. Commencement Date means the date the Cardmember is enrolled for Credit Cover by the Bank. The retention and/or use of the Card shall be deemed to be the confirmation of these Terms and Conditions by the cardmember and/or the Supplementary/Virtual cardmember, as the case may be. The alert messages will be sent to me via short messages service/text (SMS) on my mobile phone or via e-mail or any other form of electronic means of communication available from time to time. In the event the Government of Pakistan declines to permit continued convertibility of Rupee currency through the services of authorized money changers by way of Foreign Exchange Bearer Certificates at any time, the Cardmember agrees to make payment to the Bank in Rupees of all non-Rupee Charges converted at such rate of exchanges as the Bank shall specify for this purpose. 5.10) In the event payment for purchase of an airline ticket is made through card the amount billed by the airline is treated as a foreign currency transaction. Card Transaction means any Cash Advance or the amount charged by the Bank or any Merchant for any goods, services, benefits, or reservation obtained by the use of the Card or the Card numbers or the PIN or in any other manner by the Cardmember and/or Supplementary/Virtual Cardmember, including without limitation, mail, facsimile orders or reservation authorized or purported to have been authorized or made by the Cardmember and/or Supplementary/ Virtual Cardmember, regardless of whether a sales or Cash Advance or other voucher or form is signed by the Card-member. In the event of the card being sent by courier, the same shall be at the sole risk of the Cardmember. The Customer agrees that the Customer shall not have any claim of any kind against the Bank on the basis of or arising out of or relating to any of the instructions given above & that the Bank, its relevant officers & employees shall not be liable for any action undertaken pursuant to any instructions issued by the Customer. The Cardmember also irrevocably authorizes the Bank to debit his Pak Rupee account for a handling fees which the bank deems appropriate and may impose from time to time for such foreign currency handling. If the Customer meets the Terms and Conditions of Bank’s Credit Card and also the Terms and Conditions specified herein, he/she may be eligible for enrolling in SBS. Sickness means a sickness or disease contracted for the first time after the Commencement Date. However, payment of handling fee by the Cardmember will not discharge him/her from the liability under the law for dishonour of the cheque issued by him/her. I agree and acknowledge that I shall be solely responsible for protecting any identifiable personal and/or credit card details given by the Bank for the use of the service.I agree that the Bank may hold and process my personal information on computer or otherwise in connection with the service as well as for analysis, credit scoring and marketing. Faysal Bank Debit Card Terms & Conditions Conventional (English) Solitaire – Faysal Debit Card English “Confirmable Fraudulent Usage or Counterfeit Activity” means any alleged fraudulent or counterfeit activity on the Credit Card undertaken by any unauthorized person, which can be verified and confirmed, to the satisfaction of the Insurer, to have been conducted illegally and without the permission or acquiescence, direct or indirect, of the Cardmember. (subject to compounding if the charges are not repaid in full) on the transaction amount, chargeable on a daily basis from the date of transaction until receipt of full payment. Credit means the credit or other form of financial accommodation provided by the Bank to the cardmember. b) The maximum cumulative amount of benefits payable under Credit Cover Scheme for any one Event shall not exceed Rs.1,200,000/-. Illegal or improper use of the Service shall render the Customer liable for payment of penalties as decided by the Bank and/or will result in suspension of the service to the Customer.The Bank is in no way liable for any error or omission in the services relating to the Service provided by any mobile or any third party service provider (whether appointed by the Bank on its behalf or otherwise) to the Customer, which may affect the Service. HONG LEONG BANK INFINITE CREDIT CARD TERMS AND CONDITIONS The terms and conditions below are to be read together with the Hong Leong ank (“the ank”) ardholder’s Agreement (“the Agreement”). these terms and conditions. Accordingly for non Rupee Charges payable by the Cardmember the Cardmember hereby irrevocably authorizes the Bank to effect debit to the Foreign Currency Account of the Cardmember maintained for this purpose with the Bank and to appropriate the proceeds therein and/or to take such further action whatsoever as the Bank deem appropriate or necessary to fund such account for and on behalf of the Cardmember by way of purchase of foreign currency from authorized money changers and/or Foreign Exchange Bearer Certificates and/or equivalent currency exchange instruments as allowed by law and accordingly debit the relevant local currency account of the Cardmember opened pursuant to Clause 4.5 or otherwise (at the sole risk cost and expense of the Cardmember) in order to recover all outstanding non-Rupee Charges and Liabilities and all costs and expenses incurred in connection therewith. We urge you to read this Agreement carefully as Cards are subject to the terms and conditions provided in this Agreement. These Terms and Conditions shall be without prejudice to the existing Credit Card Conditions governing the issue of and use of the Bank’s Credit Card and shall apply to COP/SBS. Equipment such as Air conditioner. The Facility can only be availed till such time, as the Total Outstanding does not exceed beyond the Credit Limit notified by the Bank to the Customer for the Customer’s credit card. III. All benefits under Credit Cover shall be payable to the Bank and applied to payment of outstanding bills on theCardmember’s Credit Card. The Bank shall not be liable if it is unable to perform its obligations under these Terms and Conditions for any reason whatsoever. Please click here to view the Card Member Agreement. Please read these documents together and keep them. 1,000 (whichever is higher). On diagnosis of a Terminal Illness, the Cardmember shall be relieved of the amount of his Indebtedness plus credit charges on the indebtedness for a maximum period of two months after the date of diagnosis of such illness. Introduction The following terms and conditions of this Agreement govern the Card and is our agreement with you with respect to your Card. The Bank reserves the right to change all the COP/SBS related fees and charges at its sole discretion. ... Barclaycard is a trading name of Barclays Bank UK PLC. The card has an expiry date and is valid until the last day of the month shown. The Bank is also entitled to determine a floor limit for the minimum amount of purchases allowed under the SBS for each particular offer. The Bank shall have no liability/responsibility of whatsoever nature and howsoever arising on account of the card being used for a purpose/transaction prohibited by law. In such case, I/We agree to provide written instructions for utilization of my/our Balance Transfer Facility. Either the Bank or the Cardmember may cancel the Credit Cover at any time by giving the other a notice in writing of 15 days. In the event that the Bank is unable to send a Statement of Account for any reason whatsoever, the Bank shall not be liable to the Cardmember and the obligations of the Cardmember under these Terms and Conditions to the Bank shall not cease and all applicable Charges and Liabilities and other costs and expenses payable under these Terms and Conditions shall continue to accrue and for the purpose of calculation and establishment of the date on which the payment is due, the Bank may select a date each month as the Payment Due Date. Further details of the General Limitations and Exclusions in respect of the Policy shall be contained in the policy document (as amended from time to time) in respect of the Policy and shall be binding on the Customer. Bank Alfalah Limited does not undertake any liability whatsoever beyond dropping the Instrument to the drop box/delivering the Instrument to the relevant party. No benefit will be payable under this Credit Cover Scheme if the Death, Terminal Illness or Disability results directly, wholly or partly as a result of or related to: a) Suicide within 13 months of Commencement Date; b) Sickness occurring within 28 days of Commencement Date; c) Disease and incapacity or bodily injury which existed prior to the Commencement Date; d) Pregnancy, miscarriage, childbirth or any nonmalignant disease occurring in or in connection with the female reproductive organs; e) Intentional self inflicted injury, intoxication, insanity, fighting or unlawful act on the part of the Cardmember. In addition to the above terms and conditions and unless the context hereof otherwise requires, this Credit Cover product shall be subject to and be governed by the pertinent provisions and definitions that are embodied in the credit Card Agreement and are not expressly provided for herein. The Customer hereby authorizes the Bank to act on any instruction which is identified by any use of the Customer’s personal identification number/access password and/or any other appropriate mode of identification that would be used for the Service at bank’s discretion and this instruction shall be deemed to be correct, valid, irrevocable and binding on the Customer upon receipt by the Bank.The Bank shall not be liable for any loss and damage which the Customer and/or any third party may sustain from the Bank acting on such instruction(s), whether given by the Customer or someone purporting to be the Customer, authorized or unauthorized. Written notice of claim must be presented to and received by the Bank within 45 days of occurrence of insured Events. I/We hereby agree to indemnify Bank Alfalah Limited against any claim made by any person in respect of any transaction undertaken pursuant to the instructions contained herein above and to hold the same harmless against any losses, costs, charges, damages and/or claims of all kinds. The Cardmember should not attempt to use his Credit Card during any period where its use has been suspended. Subject to the requirement of statute, notification of any such change shall be given to the Card member by the bank either in writing or by publication hereof. The Bank reserves the right to change all the SBS related fees and charges at its own discretion. In consideration of the Bank providing the Service, the Customer agrees to indemnify and hold the Bank harmless from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain or suffer as a consequence of or arising from the Customer acting, or omitting to act on any instructions given by the use of the Service.The Customer hereby agrees to abide with all the rules and regulations applicable to this Service and any other services related to this Service that may be provided by the Bank in the future. TERMS & CONDITIONS. Accordingly, all costs and expenses, including legal costs and disbursements of every expense incurred by the Bank in enforcing or seeking to enforce or applying these Terms and Conditions or otherwise, shall be debited to the Card Account and shall be paid as Liabilities by the Cardmember on demand. 4.5.4) The Bank may at any time in its discretion discharge its entire liability with respect to any such account by mailing to the Cardmember at the address on file, its draft in the currency of the account(s) without recourse to the Bank as drawer and payable to the order of the Cardmember in the amount of the existing credit balance in the account(s) deducting there from the amounts of any claims that the Bank may have on such funds. The Bank shall not be liable under any circumstances for any damages whatsoever whether such interruption of business or any loss of character or nature whatsoever and whether sustained by the Customer or by any other person. The Bank reserves the right to disqualify any Customer from further participation, if in its judgment, the Customer has in any way violated these Terms and Conditions, or has violated the Credit Card Terms and Conditions. COP/SBS is available and will only be offered to those customers, who abide by the Credit Card Conditions meet the minimum transaction floor limit and have the required Credit Limit on his/her Credit Card Account. I further undertake to notify Bank of any change in the information given below and/or to inform them immediately about the theft or loss of the credit card.I hereby further agree that I authorize the Bank to act on any instruction, which is identified by any of my personal and/or credit card details available with the Bank, regarding payment of utility bills from my credit card account and this instruction shall be deemed to be correct, irrevocable, valid and binding on me upon receipt by the Bank. 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