Common use of Changes in Terms and Conditions Clause in Contracts

Changes in Terms and Conditions. 39.1 The Bank reserves the right to revise policies, features and benefits offered on the Card and alter these Terms and Conditions from time to time and may notify the Cardholder of any such alterations in any manner it thinks appropriate. The Cardholder will be bound by such alterations unless the Card is returned to the Bank for cancellation before the date upon which any alteration is to have effect. 39.2 The Bank could make changes including (but not limited to) the purposes/reasons listed below: 39.2.1 Impose or increase fees, interest charges or charges relating solely to the use of the Card and PIN, or the use of an additional or replacement Card. 39.2.2 Increase the Cardholder's liability for losses relating to Transactions with his Card. 39.2.3 Adjust the credit or cash limits applying to the Card account. 39.3 The Bank may make a change without notice, if such change is necessary to maintain or restore the security of the electronic system or equipment used for the Card Transactions. The Cardholder will be notified if such a change is made, unless disclosure would jeopardise the security of the electronic system or equipment. 39.4 Notification of these and any other changes may be given by the Bank by delivering it to the Cardholder personally or by posting it to his latest mailing address or through electronic-mail registered/recorded with the Bank. The Cardholder must notify the Bank of any change to his address promptly. 39.5 Proof of posting to such last notified mailing address or electronic-mail shall be conclusive proof of the notification at the time when it ought to be delivered in due course by the post even if the notification may be returned through the post undelivered. 39.6 The Bank may also give the Cardholder notice of variation of these terms and conditions by displaying a notice on or within the immediate vicinity of the site of an ATM/Branch/Office or by a press advertisement or by a message in the monthly statement or on its Internet website. 39.7 These Terms and Conditions shall a) prevail over any previously made proposals, representations, understandings and agreements, express or implied, either oral or in writing, and b) apply in addition to the Bank's General Business Terms and Conditions and any other of the Bank's Terms and Conditions otherwise applicable. However, in case of conflict, these Terms and Conditions for Credit Card Facility shall prevail as regards transactions under the Credit Card Facility. 39.8 Every provision (including this provision) of these terms and conditions is deemed to be separate and severable, and should any provision be found to be defective or unenforceable for any reason, that provision will be severed from the remaining provisions and the validity of the remaining provisions will continue to be of full force and effect.

Changes in Terms and Conditions. 39.1 40.1 The Bank reserves the right to revise policies, features and benefits offered on the Card and alter these Terms and Conditions from time to time and may notify the Cardholder of any such alterations in any manner it thinks appropriate. The Cardholder will be bound by such alterations unless the Card is returned to the Bank for cancellation before the date upon which any alteration is to have effect. 39.2 40.2 The Bank could make changes including (but not limited to) the purposes/reasons listed below: 39.2.1 40.2.1 Impose or increase fees, interest charges or charges relating solely to the use of the Card and PIN, or the use of an additional or replacement Card. 39.2.2 40.2.2 Increase the Cardholder's liability for losses relating to Transactions with his Card. 39.2.3 40.2.3 Adjust the credit or cash limits applying to the Card account. 39.3 40.3 The Bank may make a change without notice, if such change is necessary to maintain or restore the security of the electronic system or equipment used for the Card Transactions. The Cardholder will be notified if such a change is made, unless disclosure would jeopardise the security of the electronic system or equipment. 39.4 40.4 Notification of these and any other changes may be given by the Bank by delivering it to the Cardholder personally or by posting it to his latest mailing address or through electronic-mail registered/recorded with the Bank. The Cardholder must notify the Bank of any change to his address promptly. 39.5 40.5 Proof of posting to such last notified mailing address or electronic-mail shall be conclusive proof of the notification at the time when it ought to be delivered in due course by the post even if the notification may be returned through the post undelivered. 39.6 40.6 The Bank may also give the Cardholder notice of variation of these terms and conditions by displaying a notice on or within the immediate vicinity of the site of an ATM/Branch/Office or by a press advertisement or by a message in the monthly statement or on its Internet website. 39.7 40.7 These Terms and Conditions shall a) prevail over any previously made proposals, representations, understandings and agreements, express or implied, either oral or in writing, and b) apply in addition to the Bank's General Business Terms and Conditions and any other of the Bank's Terms and Conditions otherwise applicable. However, in case of conflict, these Terms and Conditions for Credit Card Facility shall prevail as regards transactions under the Credit Card Facility. 39.8 40.8 Every provision (including this provision) of these terms and conditions is deemed to be separate and severable, and should any provision be found to be defective or unenforceable for any reason, that provision will be severed from the remaining provisions and the validity of the remaining provisions will continue to be of full force and effect.

Changes in Terms and Conditions. 39.1 The Bank reserves the right to revise policies, features and benefits offered on the Card and alter these Terms and Conditions from time to time and may notify the Cardholder of any such alterations in any manner it thinks appropriate. The Cardholder will be bound by such alterations unless the Card is returned to the Bank for cancellation before the date upon which any alteration is to have effect. 39.2 The Bank could make changes including (but not limited to) the purposes/reasons listed below:below꞉ 39.2.1 Impose or increase fees, interest charges or charges relating solely to the use of the Card and PIN, or the use of an additional or replacement Card. 39.2.2 Increase the Cardholder's liability for losses relating to Transactions with his Card. 39.2.3 Adjust the credit or cash limits applying to the Card account. 39.3 The Bank may make a change without notice, if such change is necessary to maintain or restore the security of the electronic system or equipment used for the Card Transactions. The Cardholder will be notified if such a change is made, unless disclosure would jeopardise the security of the electronic system or equipment. 39.4 Notification of these and any other changes may be given by the Bank by delivering it to the Cardholder personally or by posting it to his latest mailing address or through electronic-mail registered/recorded with the Bank. The Cardholder must notify the Bank of any change to his address promptly. 39.5 Proof of posting to such last notified mailing address or electronic-mail shall be conclusive proof of the notification at the time when it ought to be delivered in due course by the post even if the notification may be returned through the post undelivered. 39.6 The Bank may also give the Cardholder notice of variation of these terms and conditions by displaying a notice on or within the immediate vicinity of the site of an ATM/Branch/Office or by a press advertisement or by a message in the monthly statement or on its Internet website. 39.7 These Terms and Conditions shall a) prevail over any previously made proposals, representations, understandings and agreements, express or implied, either oral or in writing, and b) apply in addition to the Bank's General Business Terms and Conditions and any other of the Bank's Terms and Conditions otherwise applicable. However, in case of conflict, these Terms and Conditions for Credit Card Facility shall prevail as regards transactions under the Credit Card Facility. 39.8 Every provision (including this provision) of these terms and conditions is deemed to be separate and severable, and should any provision be found to be defective or unenforceable for any reason, that provision will be severed from the remaining provisions and the validity of the remaining provisions will continue to be of full force and effect.