Common use of Additional Cards Clause in Contracts

Additional Cards. 8.1 At our sole discretion and provided we have received sufficient KYC information/ documents (in accordance with condition 5.2), you may be eligible to apply for an Additional Card for use by an Additional Cardholder by contacting Customer Services or accessing the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use of any Additional Cards by such persons. We may request KYC for each Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated Additional Cardholder for their exclusive use, provided that: i. you provide the Additional Cardholder with a copy of these terms and conditions (which will then bind use by both of you); ii. the Additional Card is used only by that Additional Cardholder; iii. you retain the Primary Card for your sole and exclusive use in accordance with this Cardholder Agreement; iv. all Transactions made on the Additional Card shall be considered as having been authorised directly by the Primary Cardholder, who shall be responsible for such Transactions and any applicable Fees. 8.4 Funds cannot be loaded directly on to any Additional Cards, which will be connected to the same Sokin Account as the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.

Additional Cards. 8.1 At our sole discretion and provided we have received sufficient KYC information/ documents (in accordance with condition 5.2)12.1 With respect to other multiple Cards or Card Accounts, you may be eligible to apply for an Additional Card for use by an Additional Cardholder by contacting Customer Services or accessing the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use holder of any Additional Cards Add-on Credit Card on the Account and the primary Cardholder authorising its issuance are jointly and severally bound by such persons. We may request KYC for each Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated Additional Cardholder for their exclusive use, provided that: i. you provide the Additional Cardholder with a copy of these terms and conditions (and the primary Cardholder assumes all liability for all charges incurred by the add-on cardholder. 12.2 The facility of an Add-On Card is a special facility offered at a fee/rate, and continuation of credit facilities of the Add-On Card will be dependent on continuation or credit status of the Primary Cardholder or Card Account(s). 12.3 Card(s), whether Primary or Add-On, will not be issued to any person less than 18 years of age. 12.4 IndusInd Bank reserves the right to issue different types of Card(s)-Classic, Gold, Platinum, Signature, Miles and More and other co-branded cards-at its sole discretion. Card(s) different from those issued to the primary Cardholder may be issued to the Add-on Cardholder as per the Bank's policy. 12.5 The issue of such Add-On Cards would be on the expressed understanding that the Primary Cardholder would be fully liable and responsible for payment of all charges incurred on these Add-On Card(s) issued for the benefit of the Add-On Cardholder(s). 12.6 The Additional Cards will have a specified limit which will then bind use be a sub-limit of the limit set by both IndusInd Bank for the Primary Cardholder or Card Account and allocated to each of you);them based on the initial instructions from the Primary Cardholder. These limits may be revised upwards or downwards on subsequent instructions of the Primary Cardholder but at the sole discretion of IndusInd Bank. ii. 12.7 Add-On Cardholders will not be eligible for any insurance benefits with the Additional exception of Lost/Stolen Card is used only Insurance or unless specifically offered by that Additional Cardholder;the Bank under a product programme or promotion. iii. you retain 12.8 In case the Primary Card for your sole is a MasterCard all the Add-On Cards issued will be associated with MasterCard alone. This rule will also apply to VISA Cards/American Express Global Network Cards, i.e., both Primary and exclusive use in accordance with this Cardholder Agreement;Add-On Cardholders will be issued VISA Cards/American Express Cards as the case may be. iv. all Transactions made 12.9 Add-On Card(s) would accrue Reward Points as per the Reward Point scheme attached to the card type issued to them irrespective of the Reward Point Scheme applicable on the Additional Card shall be considered as having been authorised directly by primary Card. Only the Primary Cardholder, who shall be responsible for such Transactions Cardholder is entitled to redeem the Rewards Points and agrees to hold IndusInd Bank harmless in case of any applicable Feesdisputes in this matter. 8.4 Funds cannot be loaded directly on 12.10 IndusInd Bank reserves the right to change the type of Add-On Card(s) offered or issued at any Additional Cards, which will be connected time without prior notice to the same Sokin Account as either the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5or Add-On Cardholders. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.

Additional Cards. 8.1 At our sole discretion The person who originally requested and provided was issued a Card under this Agreement is referred to in this Agreement as the “Primary Cardholder,” and each person to whom we have received sufficient KYC information/ documents (in accordance with condition 5.2)issue a Card at the Primary Cardholder’s request is called an “Additional Cardholder.” When the Primary Cardholder and the Additional Cardholder(s) are referred to together they are called “Cardholders.” The Primary Cardholder may request us to issue an additional Card to another person. If we approve the request, you may be eligible we will mail the additional Card to apply for an Additional Card for use by an the address of the Additional Cardholder specified by contacting Customer Services or accessing the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old Primary Cardholder or, provided that you are legally responsible for themif no address is specified, at least 13 years oldto the mailing address of the Primary Cardholder shown on our records. Transactions by persons under 18 years Only the Primary Cardholder may request us to issue a Card to another person or change the mailing address of age may not be allowed by some Merchants but in all casesthe Primary Cardholder. An Additional Cardholder may, you shall be responsible for any use of any Additional Cards by such personshowever, request us to issue a replacement Card to him or her. We may request KYC for each require the Primary Cardholder to authorize the issuance of any Card to any Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated in person at one of our offices. Each Additional Cardholder must meet our requirements for their exclusive use, provided that: i. you provide the issuance of a Card and the requirements imposed by law. The Primary Cardholder and every Additional Cardholder hereby appoint each other as his or her agent and grant to each agent authority to do all acts that the person granting the authority could do in connection with a copy of these terms and conditions (which will then bind use by both of you); ii. the Additional Card is used or this Agreement, except that only by that Additional Cardholder; iii. you retain the Primary Card for your sole and exclusive use in accordance with this Cardholder Agreement; iv. all Transactions made on the Additional Card shall be considered as having been authorised directly by the Primary Cardholder, and no agent acting as such, may authorize the issuance of a Card to an Additional Cardholder, cancel a Card issued to an Additional Cardholder, or change the mailing address of the Primary Cardholder. We may limit the number of Additional Cardholders and may set reasonable restrictions and limitations intended to protect the security of funds loaded on Cards. The Cardholders agree and acknowledge that no notice of the issuance of any Card to an Additional Cardholder will be given to any other Additional Cardholders, that no prior notice of the use of any Card by any of the other Cardholders will be given to any of them, and that none of them will have any right or opportunity to object to or reverse the use of any Card by any of the other Cardholders. Important Notice: Access to funds loaded on a Card is not limited to the person who shall be responsible for such Transactions loaded the funds. The Primary Cardholder and any applicable Fees. 8.4 Funds cannot be Additional Cardholder may use his or her Card to spend or withdraw any and all funds loaded directly on to a Card by the Primary Cardholder or any Additional CardsCardholder at any time, which will be connected without regard to the same Sokin Account as source of the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5funds. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.

Additional Cards. 8.1 At our sole discretion and provided we have received sufficient KYC information/ documents (in accordance with condition 5.2)12.1 With respect to other multiple Cards or Card Accounts, you may be eligible to apply for an Additional Card for use by an Additional Cardholder by contacting Customer Services or accessing the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use holder of any Additional Cards Add-on Credit Card on the Account and the primary Cardholder authorising its issuance are jointly and severally bound by such persons. We may request KYC for each Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated Additional Cardholder for their exclusive use, provided that: i. you provide the Additional Cardholder with a copy of these terms and conditions (and the primary Cardholder assumes all liability for all charges incurred by the add-on cardholder. 12.2 The facility of an Add-On Card is a special facility offered at a fee/rate, and continuation of credit facilities of the Add- On Card will be dependent on continuation or credit status of the Primary Cardholder or Card Account(s). 12.3 Card(s), whether Primary or Add-On, will not be issued to any person less than 18 years of age. 12.4 IndusInd Bank reserves the right to issue different types of Card(s)-Classic, Gold, Platinum, Signature, Miles and More and other co-branded cards-at its sole discretion. Card(s) different from those issued to the primary Cardholder may be issued to the Add-on Cardholder as per the Bank's policy. 12.5 The issue of such Add-On Cards would be on the expressed understanding that the Primary Cardholder would be fully liable and responsible for payment of all charges incurred on these Add-On Card(s) issued for the benefit of the Add-On Cardholder(s). 12.6 The Additional Cards will have a specified limit which will then bind use be a sub-limit of the limit set by both IndusInd Bank for the Primary Cardholder or Card Account and allocated to each of you);them based on the initial instructions from the Primary Cardholder. These limits may be revised upwards or downwards on subsequent instructions of the Primary Cardholder but at the sole discretion of IndusInd Bank. ii. 12.7 Add-On Cardholders will not be eligible for any insurance benefits with the Additional exception of Lost/Stolen Card is used only Insurance or unless specifically offered by that Additional Cardholder;the Bank under a product programme or promotion. iii. you retain 12.8 In case the Primary Card for your sole is a MasterCard all the Add-On Cards issued will be associated with MasterCard alone. This rule will also apply to VISA Cards/American Express Global Network Cards, i.e., both Primary and exclusive use in accordance with this Cardholder Agreement;Add-On Cardholders will be issued VISA Cards/American Express Cards as the case may be. iv. all Transactions made 12.9 Add-On Card(s) would accrue Reward Points as per the Reward Point scheme attached to the card type issued to them irrespective of the Reward Point Scheme applicable on the Additional Card shall be considered as having been authorised directly by primary Card. Only the Primary Cardholder, who shall be responsible for such Transactions Cardholder is entitled to redeem the Rewards Points and agrees to hold IndusInd Bank harmless in case of any applicable Feesdisputes in this matter. 8.4 Funds cannot be loaded directly on 12.10 IndusInd Bank reserves the right to change the type of Add-On Card(s) offered or issued at any Additional Cards, which will be connected time without prior notice to the same Sokin Account as either the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5or Add-On Cardholders. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.

Additional Cards. 8.1 At our sole discretion and provided we have received sufficient KYC information/ documents (in accordance with condition 5.2)12.1 With respect to other multiple Cards or Card Accounts, you may be eligible to apply for an Additional Card for use by an Additional Cardholder by contacting Customer Services or accessing the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use holder of any Additional Cards Add-on Credit Card on the Account and the primary Cardholder authorising its issuance are jointly and severally bound by such persons. We may request KYC for each Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated Additional Cardholder for their exclusive use, provided that: i. you provide the Additional Cardholder with a copy of these terms and conditions (and the primary Cardholder assumes all liability for all charges incurred by the add-on cardholder. 12.2 The facility of an Add-On Card is a special facility offered at a fee/rate, and continuation of credit facilities of the Add-On Card will be dependent on continuation or credit status of the Primary Cardholder or Card Account(s). 12.3 Card(s), whether Primary or Add-On, will not be issued to any person less than 18 years of age. 12.4 IndusInd Bank reserves the right to issue different types of Card(s)-Classic, Gold, Platinum, Signature, Miles and More and other co-branded cards-at its sole discretion. Card(s) different from those issued to the primary Cardholder may be issued to the Add-on Cardholder as per the Bank's policy. 12.5 The issue of such Add-On Cards would be on the expressed understanding that the Primary Cardholder would be fully liable and responsible for payment of all charges incurred on these Add-On Card(s) issued for the benefit of the Add-On Cardholder(s). 12.6 The Additional Cards will have a specified limit which will then bind use be a sub-limit of the limit set by both IndusInd Bank for the Primary Cardholder or Card Account and allocated to each of you);them based on the initial instructions from the Primary Cardholder. These limits may be revised upwards or downwards on subsequent instructions of the Primary Cardholder but at the sole discretion of IndusInd Bank. ii. 12.7 Add-On Cardholders will not be eligible for any insurance benefits with the Additional exception of Lost/Stolen Card is used only Insurance or unless specifically offered by that Additional Cardholder;the Bank under a product programme or promotion. iii. you retain 12.8 In case the Primary Card for your sole is a MasterCard all the Add-On Cards issued will be associated with MasterCard alone. This rule will also apply to VISA Cards/American Express Global Network Cards, i.e., both Primary and exclusive use in accordance with this Cardholder Agreement;Add-On Cardholders will be issued VISA Cards/American Express Cards as the case may be. iv. all Transactions made 12.9 Add-On Card(s) would accrue Reward Points as per the Reward Point scheme attached to the card type issued to them irrespective of the Reward Point Scheme applicable on the Additional Card shall primary Card. Only the Primary Cardholder is entitled to redeem the Rewards Points and agrees to hold IndusInd Bank harmless in case of any disputes in this matter. 12.10 IndusInd Bank reserves the right to change the type of Add-On Card(s) offered or issued at any time without prior notice to either the Primary or Add-On Cardholders. 12.11 Add-on Cards may be considered as having been authorised directly issued by the Primary Cardholder, who shall be responsible for such Transactions and any applicable Fees. 8.4 Funds cannot be loaded directly Bank on to any Additional Cards, which will be connected to instructions from the same Sokin Account as the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5writing through an application or any other modes as specified by the Bank from time-to-time. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.

Additional Cards. 8.1 At The person who originally requested and was issued a Card under this Agreement is referred to in this Agreement as the “Primary Cardholder,” and each person to whom we issue a Card at the Primary Cardholder’s request is called an “Additional Cardholder.” When the Primary Cardholder and any Additional Cardholders are referred to together, they are called “Cardholders.” The Primary Cardholder may request us to issue an additional Card to another person. If we approve the request, we will mail the additional Card to the address of the Additional Cardholder specified by the Primary Cardholder or, if no address is specified, to the mailing address of the Primary Cardholder shown on our sole discretion records. Only the Primary Cardholder may request us to issue a Card to another person or change the mailing address of the Primary Cardholder. An Additional Cardholder may, however, request us to issue a replacement Card to him or her. We may require the Primary Cardholder to authorize the issuance of any Card to any Additional Cardholder in person at one of our offices. Each Additional Cardholder must meet our requirements for the issuance of a Card and provided we have received sufficient KYC information/ documents (the requirements imposed by law. The Primary Cardholder and every Additional Cardholder hereby appoint each other as his or her agent and grant to each agent authority to do all acts that the person granting the authority could do in accordance connection with condition 5.2)a Card or this Agreement, you except that only the Primary Cardholder, and no agent acting as such, may be eligible authorize the issuance of a Card to apply for an Additional Cardholder, cancel a Card for use by issued to an Additional Cardholder, or change the mailing address of the Primary Cardholder. We may limit the number of Additional Cardholders and may set reasonable restrictions and limitations intended to protect the security of funds loaded on Cards. The Cardholders agree and acknowledge that no notice of the issuance of any Card to an Additional Cardholder by contacting Customer Services or accessing will be given to any other Additional Cardholders, that no prior notice of the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use of any Additional Cards Card by such personsany of the other Cardholders will be given to any of them, and that none of them will have any right or opportunity to object to or reverse the use of any Card by any of the other Cardholders. We may request KYC for each Each Card issued to any Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee the “List of All Fees” at the beginning of this Agreement, and which you may give all funds loaded by the Primary Cardholder and/or by any Additional Cardholder will be combined on the Cards and will be available for use by any or all Cardholders and for the payment of fees and charges payable by any or all Cardholders. Subject to the nominated Additional Cardholder for their exclusive use, provided that: i. you provide the Additional Cardholder with a copy of these terms and conditions (which of this Agreement, any and all Cardholders may spend and withdraw without restriction any and all funds loaded on the Cards, and any and all Cardholders will then bind have the ability to access the online record of transactions made by use of any Card and funds loaded on any Card by both any of you); iithem. Funds loaded on the Additional Card is used only Cards may become subject to authorization holds for transactions initiated by that Additional Cardholder; iiiany of the Cardholders. you retain The obligations, waivers and consents of the Primary Card for your sole and exclusive use Cardholder under this Agreement extend to those arising from or related to the possession, use, or loading of all Cards issued in accordance connection with this Cardholder Agreement; iv. all Transactions made on If one or more Cards have been issued to one or more Additional Cardholders, in the Additional Card shall be considered as having been authorised directly by the Primary Cardholder, who shall be responsible for such Transactions event of a conflict between any provision of this section and any applicable Feesprovision contained in another section of this Agreement, the provisions of this section will control. 8.4 Funds cannot be loaded directly on to any Additional Cards, which will be connected to the same Sokin Account as the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.

Additional Cards. 8.1 At our sole discretion and provided we have received sufficient KYC information/ documents (in accordance with condition 5.2)12.1 With respect to other multiple Cards or Card Accounts, you may be eligible to apply for an Additional Card for use by an Additional Cardholder by contacting Customer Services or accessing the relevant area in your Sokin Account. 8.2 Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use holder of any Additional Cards Add-on Credit Card on the Account and the primary Cardholder authorising its issuance are jointly and severally bound by such persons. We may request KYC for each Additional Cardholder as required. 8.3 If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated Additional Cardholder for their exclusive use, provided that: i. you provide the Additional Cardholder with a copy of these terms and conditions (and the primary Cardholder assumes all liability for all charges incurred by the add-on cardholder. 12.2 The facility of an Add-On Card is a special facility offered at a fee/rate, and continuation of credit facilities of the Add- On Card will be dependent on continuation or credit status of the Primary Cardholder or Card Account(s). 12.3 Card(s), whether Primary or Add-On, will not be issued to any person less than 18 years of age. 12.4 IndusInd Bank reserves the right to issue different types of Card(s)-Classic, Gold, Platinum, Signature, Miles and More and other co-branded cards-at its sole discretion. Card(s) different from those issued to the primary Cardholder may be issued to the Add-on Cardholder as per the Bank's policy. 12.5 The issue of such Add-On Cards would be on the expressed understanding that the Primary Cardholder would be fully liable and responsible for payment of all charges incurred on these Add-On Card(s) issued for the benefit of the Add-On Cardholder(s). 12.6 The Additional Cards will have a specified limit which will then bind use be a sub-limit of the limit set by both IndusInd Bank for the Primary Cardholder or Card Account and allocated to each of you);them based on the initial instructions from the Primary Cardholder. These limits may be revised upwards or downwards on subsequent instructions of the Primary Cardholder but at the sole discretion of IndusInd Bank. ii. 12.7 Add-On Cardholders will not be eligible for any insurance benefits with the Additional exception of Lost/Stolen Card is used only Insurance or unless specifically offered by that Additional Cardholder;the Bank under a product programme or promotion. iii. you retain 12.8 In case the Primary Card for your sole is a MasterCard all the Add-On Cards issued will be associated with MasterCard alone. This rule will also apply to VISA Cards/American Express Global Network Cards, i.e., both Primary and exclusive use in accordance with this Cardholder Agreement;Add-On Cardholders will be issued VISA Cards/American Express Cards as the case may be. iv. all Transactions made 12.9 Add-On Card(s) would accrue Reward Points as per the Reward Point scheme attached to the card type issued to them irrespective of the Reward Point Scheme applicable on the Additional Card shall primary Card. Only the Primary Cardholder is entitled to redeem the Rewards Points and agrees to hold IndusInd Bank harmless in case of any disputes in this matter. 12.10 IndusInd Bank reserves the right to change the type of Add-On Card(s) offered or issued at any time without prior notice to either the Primary or Add-On Cardholders. 12.11 Add-on Cards may be considered as having been authorised directly issued by the Primary Cardholder, who shall be responsible for such Transactions and any applicable Fees. 8.4 Funds cannot be loaded directly Bank on to any Additional Cards, which will be connected to instructions from the same Sokin Account as the Primary Card. The Sokin Account may only be loaded by Primary Cardholder in accordance with condition 5writing through an application or any other modes as specified by the Bank from time-to-time. 8.5 You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling. 8.6 Additional Cards cannot be issued in or mailed to India.