Common use of The Card Clause in Contracts

The Card. 4.1. The Cardholder will be given an ATM card that is linked to the Account. The Cardholder shall be responsible for the physical security of the Card. The Bank and any of its authorized officer, employee, associate or agent may retain the Card, require the Cardholder to return the Card or suspend the use of the Card at any time in its absolute discretion. The Bank shall not be liable for any losses or damages suffered by the Cardholder as a result thereof. 4.2. The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card by signing on the appropriate Bank documents. The Card is only valid for the period shown on it unless sooner revoked by the Bank upon prior notice via SMS and/or email to the Cardholder. Upon the expiration of the Card, the Cardholder must immediately destroy the Card by cutting it in half through the magnetic strip. Any unauthorized use of the Card after its expiration or revocation shall be exclusively borne by the Cardholder. 4.3. If the Card is lost or stolen, the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank by calling the Bank’s Customer Service at (▇▇) ▇▇▇▇-▇▇▇▇ and request for card blocking. The Cardholder understands that the request for card blocking shall be subject to the Bank’s KYC procedure, in which case, the Cardholder shall be required to provide his/her card number(s) and other pertinent information to establish his/her proper identity. In addition, the Cardholder must immediately notify the concerned institutions and relevant law enforcement agencies pertaining to the lost or stolen Card. All usage made prior to the reporting of the lost/stolen Card shall be conclusively binding to the Cardholder. As such, the Bank shall not be liable for any loss or damage incurred by the Cardholder prior to his/her proper notice to the Bank of the loss or stolen card and the corresponding request for card blocking. 4.4. In cases where the card is lost or stolen, the Cardholder hereby agrees to cooperate with any officers, service providers, employees, associates or agents of the Bank and/or law enforcement agencies in the effort to recover the Card. The Cardholder understands and agrees that the Bank may disclose information about the Cardholder and the Account should the Bank, at its own discretion, deem it necessary to help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card. 4.5. The Card is issued for the exclusive use of the Cardholder and is non-transferable and cannot be lent for the temporary use of any other person, nor can the same be pledged or charged as security for any reason and in any manner whatsoever. 4.6. All transactions done through the Card is assumed to have been made by or authorized by the Cardholder.

The Card. 4.12.1 You shall be deemed to have unconditionally agreed to be bound by this Cardholder Agreement by acknowledging receipt of the Card in writing or by signing on the reverse of the Card or by incurring a Charge on the Card. If you do not wish to be bound by this Agreement then you must cut the Card in half and return it to SBICPSL promptly. 2.2 The Card is the property of SBICPSL and must be surrendered to SBICPSL on request. The Cardholder must not permit any other person to use the Card and should safeguard it from misuse by retaining it under his/her personal control at all times. 2.3 Each Cardholder may be issued a personal identification number or a password (PIN) to enable use of the Card for accessing his/her Card Account on the ATM and Internet and also for availing any privilege, benefit or service that may be offered by SBICPSL on the Card. The PIN will be given an ATM card that is linked communicated to the AccountCardholder entirely at his/her risk, who shall not disclose the PIN to any person and shall take all possible care to avoid its discovery by any person. The Cardholder shall be responsible liable for the physical security of the Card. The Bank and any of its authorized officer, employee, associate or agent may retain the Card, require the Cardholder to return the Card or suspend all transactions made with the use of the Card at PIN, whether with or without the knowledge of the Cardholder. SBICPSL reserves the right to refuse any time in its absolute discretion. The Bank shall not be liable for any losses transactions if it believes that the PIN is being misused or damages suffered by the Cardholder as a result thereofbeing used without appropriate authorisation. 4.2. 2.4 The Card will not become is valid or operational until up to the Cardholder acknowledges receipt last day of the month of the year indicated on the face of the Card by signing on the appropriate Bank documents. The Card is only valid for the period shown on it unless sooner revoked by the Bank upon prior notice via SMS and/or email to the Cardholdercancelled earlier. Upon the expiration of the Cardexpiry or earlier cancellation, the Cardholder must immediately destroy Card may be renewed or reinstated at the sole discretion of SBICPSL. On expiry, the Card must be destroyed by cutting it in half through diagonally. 2.5 A Joining fee at the magnetic strip. Any unauthorized use prevailing rate will be levied on opening of the Card after its expiration or revocation Account. An Annual fee at the prevailing rate will be levied upon opening of the Card Account and then annually during the month in which the Card Account was originally opened. An Annual Additional Card fee will also be levied for each Additional Card on the Card Account at the prevailing rate. The Joining and Annual fee(s) are subject to change at the discretion of SBICPSL and are not refundable. 2.6 SBICPSL may, based on the Primary Cardholder's written request, issue Additional Cards to individuals nominated by the Primary Cardholder who shall be exclusively borne unconditionally bound by the Cardholderthis Agreement. 4.3. If the Card is lost or stolen, the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank by calling the Bank’s Customer Service at (▇▇) ▇▇▇▇-▇▇▇▇ and request for card blocking. 2.7 The Cardholder understands that the request for card blocking shall be subject to the Bank’s KYC procedure, in which case, the Primary Cardholder shall be required fully liable to provide SBICPSL for all the Charges on his/her card number(s) Card and other pertinent information also for those incurred by the Additional Cardholders. The Additional Cardholders shall be jointly and severally liable to establish his/her proper identity. In addition, SBICPSL for all the Cardholder must immediately notify Charges even though the concerned institutions and relevant law enforcement agencies pertaining monthly statement of account may be sent only to the lost or stolen Card. All usage made prior to the reporting of the lost/stolen Card shall be conclusively binding to the Primary Cardholder. As such, the Bank shall not be The Primary Cardholder may at any time request cancellation of any Additional Card(s) but will continue to remain liable for any loss or damage incurred by the Cardholder prior to his/her proper notice to the Bank of the loss or stolen card and the corresponding request for card blockingCharges on such Additional Card(s). 4.4. In cases where the card is lost or stolen, the Cardholder hereby agrees to cooperate with any officers, service providers, employees, associates or agents of the Bank and/or law enforcement agencies in the effort to recover the Card. The Cardholder understands and agrees that the Bank may disclose information about the Cardholder and the Account should the Bank, at its own discretion, deem it necessary to help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card. 4.5. The Card is issued for the exclusive use of the Cardholder and is non-transferable and cannot be lent for the temporary use of any other person, nor can the same be pledged or charged as security for any reason and in any manner whatsoever. 4.6. All transactions done through the Card is assumed to have been made by or authorized by the Cardholder.

The Card. 4.1. (a) The Cardholder will Card is the property of the Bank and must be given an ATM card that is linked surrendered to the Account. Bank upon demand. (i) The Cardholder shall be responsible for the physical security of the Card. The Bank and any of its authorized officer, employee, associate or agent may retain the Card, require the Cardholder to return at all times ensure that the Card or suspend the use of is kept in a safe place and take reasonable steps to keep the Card at safe and the PIN secret to prevent fraud. (ii) Transaction instructions must be given in such a way that no confidential information is disclosed to any time in its absolute discretionthird party. The Bank shall not be liable in any way for any losses disclosure (whether or damages suffered by not authorized or intended) of confidential information to any third party arising out of or in the Cardholder as course of the giving of a result thereofTransaction instruction except in case of willful default or negligence. 4.2. (iii) The Cardholder shall under no circumstances whatsoever allow the Card will not become valid and/or PIN to be used by or operational until disclosed to any other person. (iv) The Cardholder shall destroy the Cardholder acknowledges receipt original printed copy of the Card by signing PIN. (v) The Cardholder shall in no circumstances write down the PIN on the appropriate Bank documents. The Card is only valid for the period shown or on it unless sooner revoked by the Bank upon prior notice via SMS and/or email to the Cardholder. Upon the expiration of the Card, the Cardholder must immediately destroy the Card by cutting it in half through the magnetic strip. Any unauthorized use of the Card after its expiration anything usually kept with or revocation shall be exclusively borne by the Cardholder. 4.3. If the Card is lost or stolen, the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank by calling the Bank’s Customer Service at (▇▇) ▇▇▇▇-▇▇▇▇ and request for card blocking. The Cardholder understands that the request for card blocking shall be subject to the Bank’s KYC procedure, in which case, the Cardholder shall be required to provide his/her card number(s) and other pertinent information to establish his/her proper identity. In addition, the Cardholder must immediately notify the concerned institutions and relevant law enforcement agencies pertaining to the lost or stolen Card. All usage made prior to the reporting of the lost/stolen Card shall be conclusively binding to the Cardholder. As such, the Bank shall not be liable for any loss or damage incurred by the Cardholder prior to his/her proper notice to the Bank of the loss or stolen card and the corresponding request for card blocking. 4.4. In cases where the card is lost or stolen, the Cardholder hereby agrees to cooperate with any officers, service providers, employees, associates or agents of the Bank and/or law enforcement agencies in the effort to recover the Card. The Cardholder understands and agrees that the Bank may disclose information about the Cardholder and the Account should the Bank, at its own discretion, deem it necessary to help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of near the Card. 4.5(vi) The PIN shall always be disguised if written down or recorded in any form. (vii) The Cardholder will sign the Card immediately upon receipt. (viii) A renewal card will be issued 30 days prior to the Card expiry date and deemed received and accepted by the Cardholder unless the Bank receives a contrary notice in writing within the said 30 days' period. The Cardholder and the Company undertake to promptly inform the Bank if the renewal card is not received by the Card is issued for expiry date. (ix) The Card may be collected by any person authorised in writing by the exclusive use Company and the recipient's acknowledgment of receipt amounts to acceptance of the Cardholder terms and conditions herein as amended from time to time. (x) The Card will be issued in the name(s) of the person(s) nominated in writing by the Company. (xi) The Card shall be used exclusively by the Cardholder, and is non-transferable and canshall not be lent pledged by the Company and/or the Cardholder as a security or for the temporary use of any other personunlawful purposes, nor can the same be pledged or charged as security including payment for any reason and in any manner whatsoeverillegal gambling. 4.6. All transactions done through the Card is assumed to have been made by or authorized by the Cardholder.

The Card. 4.1. The Cardholder will be given an ATM card provided with a Card that is linked to the Account, which the Cardholder can use to transact in any ATM. The Cardholder shall be responsible for the physical security of the Card. The Bank and any of its authorized officerofficers, employeeemployees, associate or agent agents may retain the Card, require the Cardholder to return the Card Card, or suspend the use of the Card at any time in its absolute discretiondiscretion with notice to the Cardholder. The Bank shall not be liable for any losses or damages suffered by the Cardholder as a result thereof. 4.2. The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card by signing on the appropriate Bank documents. The Card is only valid for the period shown on it unless sooner revoked by the Bank upon prior notice via SMS and/or email to the Cardholder. Upon the expiration of the Card, the Cardholder must immediately destroy the Card by cutting it in half through the magnetic strip. Any unauthorized use of the Card after its expiration or revocation shall be exclusively borne by the Cardholderstripe. 4.3. If the Card is lost or stolen, the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank by calling the Bank’s Customer Service at (▇▇) ▇▇▇▇-▇▇▇▇ and request for card blockingthe Bank to block the Card (“Card Blocking”). The Cardholder understands that the request for card blocking Card Blocking shall be subject to the Bank’s KYC procedure, in which case, the Cardholder shall be required to provide his/her card number(s) and other pertinent information to establish his/her proper identity. In addition, All transactions made through the Cardholder must immediately notify use of the concerned institutions and relevant law enforcement agencies pertaining Card prior to notice to the lost or stolen Card. All usage made prior to Bank that the reporting of the Card was lost/stolen and request for Card blocking shall be conclusively binding to the Cardholder. As such, the Bank shall not be liable for any loss or damage incurred by the Cardholder prior to histhe Bank’s receipt of such notification of loss/her proper notice theft and Card Blocking request. The Cardholder is encouraged to report the incident to (a) concerned institutions such as but not limited to the Bank office/building/mall/parking administration offices where the incident may have happened and (b) relevant law enforcement agencies such as the local or national police force of the loss or stolen card and locality where the corresponding request for card blockingincident may have happened. 4.4. In cases where the card is lost or stolen, the Cardholder hereby agrees to cooperate with any officers, service providers, employees, associates or agents of the Bank Bank, notified to the Cardholder as having been authorized by the Bank, and/or the concerned institutions and/or law enforcement agencies mentioned in Section 4.3 above in the effort to recover the Card. The Cardholder understands and agrees that the Bank may disclose information about the Cardholder and the Account should the Bank, at its own discretion, deem it necessary to help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card. 4.5. The Card is issued for the exclusive use of the Cardholder and is non-transferable and cannot be lent for the temporary use of any other person, nor can the same be pledged or charged as security for any reason and in any manner whatsoever. 4.6. All transactions done through the Card is assumed to have been made by or authorized by the Cardholder. 4.7. A replacement fee may be charged by the Bank for reissuance of a new card.

The Card. 4.1. 3.1 The Cardholder will be given an ATM card that is linked Card belongs to the Account. The Cardholder shall be responsible for the physical security of the Card. The Bank and the Bank or any of its authorized officer, servant, employee, associate or agent of the Bank may retain the Card, require the Cardholder to return the Card or suspend the use of the Card at any time in its absolute discretion. The discretion and the Bank shall not be liable for any losses loss or damages suffered by the Cardholder as a result thereof. 4.2. 3.2 The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card by signing on the appropriate Bank documents. The Card is only valid for the period shown on it unless sooner revoked and must not be used outside that period or if the Bank has required by notice in writing to the Cardholder that it be returned to the Bank. When the period of validity of a Card expires it must be destroyed immediately by the Bank upon prior notice via SMS and/or email to the Cardholder. Upon the expiration of the Card, the Cardholder must immediately destroy the Card cardholder by cutting it in half through the magnetic strip. Any . 3.3 The Cardholder must take all reasonable precautions to prevent unauthorized use of the Card, including, not allowing anyone else to use the Card after its expiration or revocation shall be exclusively borne by and telephoning the CardholderBank, in accordance with paragraph 3.2 above, to immediately acknowledge receipt of the Card. 4.3. 3.4 If the Card is lost or stolen, stolen the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank or the Mastercard Customer Assistance Service by calling telephoning the Bank’s Customer Service at (▇▇number(s) ▇▇▇▇-▇▇▇▇ from time to time notified to the Cardholder and request for card blockingthe Cardholder must, in addition, immediately notify relevant law enforcement agencies. The Cardholder understands that must confirm the request for card blocking shall be subject to the Bank’s KYC procedure, in which case, the Cardholder shall be required to provide his/her card number(s) and other pertinent information to establish his/her proper identity. In addition, the Cardholder must immediately notify the concerned institutions and relevant law enforcement agencies pertaining to the lost or stolen Card. All usage made prior to the reporting loss of the lost/stolen Card shall be conclusively binding to the Cardholder. As such, the Bank shall not be liable for any loss or damage incurred by the Cardholder prior to his/her proper notice in writing to the Bank within seven days of having notified the loss or stolen card and the corresponding request for card blockingBank by telephone. 4.4. In cases where the card is lost or stolen, the 3.5 The Cardholder hereby agrees to cooperate must co-operate with any officers, service providersservants, employees, associates or agents of the Bank and/or law enforcement agencies in the effort any efforts to recover the CardCard if it is lost or stolen. The Cardholder understands and agrees that the Bank may disclose information about the Cardholder and the Account should if the Bank, at its own discretion, deem Bank thinks it necessary to will help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card. 4.53.6 If the Card is found after the Bank has been given notice of its loss or theft the Cardholder must not use it again. The Card is issued for the exclusive use of the Cardholder and is non-transferable and cannot must be lent for the temporary use of any other person, nor can the same be pledged or charged as security for any reason and cut in any manner whatsoever. 4.6. All transactions done half through the Card is assumed magnetic strip and returned to have been made by or authorized by the CardholderBank immediately.

The Card. 4.1. The Cardholder will be given an ATM card provided with a Card that is linked to the Account, which the Cardholder can use to transact in any ATM. The Cardholder shall be responsible for the physical security of the Card. The Bank and any of its authorized officerofficers, employeeemployees, associate or agent agents may retain the Card, require the Cardholder to return the Card Card, or suspend the use of the Card at any time in its absolute discretiondiscretion with notice to the Cardholder. The Bank shall not be liable for any losses or damages suffered by the Cardholder as a result thereof. 4.2. The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card by signing on the appropriate Bank documents. The Card is only valid for the period shown on it unless sooner revoked by the Bank upon prior notice via SMS and/or email to the Cardholder. Upon the expiration of the Card, the Cardholder must immediately destroy the Card by cutting it in half through the magnetic strip. Any unauthorized use of the Card after its expiration or revocation shall be exclusively borne by the Cardholderer. 4.3. If the Card is lost or stolen, the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank by calling the Bank’s Customer Service at (▇▇) ▇▇▇▇-▇▇▇▇ and request for card blockingthe Bank to block the Card (“Card Blocking”). The Cardholder understands that the request for card blocking Card Blocking shall be subject to the Bank’s KYC procedure, in which case, the Cardholder shall be required to provide his/her card number(s) and other pertinent information to establish his/her proper identity. In addition, All transactions made through the Cardholder must immediately notify use of the concerned institutions and relevant law enforcement agencies pertaining Card prior to notice to the lost or stolen Card. All usage made prior to Bank that the reporting of the Card was lost/stolen and request for Card blocking shall be conclusively binding to the Cardholder. As such, the Bank shall not be liable for any loss or damage incurred by the Cardholder prior to histhe Bank’s receipt of such notification of loss/her proper notice theft and Card Blocking request. The Cardholder is encouraged to report the incident to (a) concerned institutions such as but not limited to the Bank office/building/mall/parking administration offices where the incident may have happened and (b) relevant law enforcement agencies such as the local or national police force of the loss or stolen card and locality where the corresponding request for card blockingincident may have happened. 4.4. In cases where the card is lost or stolen, the Cardholder hereby agrees to cooperate with any officers, service providers, employees, associates or agents of the Bank Bank, notified to the Cardholder as having been authorized by the Bank, and/or the concerned institutions and/or law enforcement agencies mentioned in Section 4.3 above in the effort to recover the Card. The Cardholder understands and agrees that the Bank may disclose information about the Cardholder and the Account should the Bank, at its own discretion, deem it necessary to help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card. 4.5. The Card is issued for the exclusive use of the Cardholder and is non-transferable and cannot be lent for the temporary use of any other person, nor can the same be pledged or charged as security for any reason and in any manner whatsoever. 4.6. All transactions done through the Card is assumed to have been made by or authorized by the Cardholder. 4.7. A replacement fee may be charged by the Bank for reissuance of a new card.