Common use of HOURS CUSTOMER SERVICE Clause in Contracts

HOURS CUSTOMER SERVICE. 13.1 The Bank shall provide information and facility to Cardmember to facilitate access to information and carry out transactions on their Card Account by giving instructions on telephone. The Bank may accept this either manually or by an automated system. However, the Bank at its sole discretion, may decide on the nature of the information/transaction that can be given/carried over the telephone. The Bank also reserves the right to authenticate Cardmember’s identity before processing the request. Cardmember may also be given a specific Telephone Personal Identification Number (T-PIN) for use of this facility. 13.2 Cardmember should agree that they shall not hold the Bank liable on account of the Bank acting in good faith on such instructions. 13.3 The Bank may at its sole discretion tape or record such instructions and may rely on transcripts of such telephonic instructions in evidence in any proceedings. 13.4 At Cardmember’s request the Bank may send financial information by e-mail (at an e-mail registered with the Bank) regarding the Card Account which may be of a private or confidential nature and they shall not hold the Bank liable in any manner should such information come to the knowledge of any third party. 13.5 In following such instructions, the Bank shall be doing so on a best effort basis and will not be liable on account of delay or inability on the part of the Bank to act immediately or at all on any of their instructions. 13.6 The Bank reserves its right not to carry out such instructions where the Bank has reasons to believe that the instructions are not genuine or to withdraw or suspend the facility. 13.7 In case there is a discrepancy in the particulars or details of any transaction carried out by the Bank, Cardmember shall be obliged to inform the Bank of the discrepancy within thirty (30) days of receiving the advice from the Bank. 13.8 In consideration of the Bank providing the said facility Cardmember shall indemnify and hereby keep the Bank indemnified from and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence of or by reason of using this facility.

HOURS CUSTOMER SERVICE. 13.1 The Bank shall provide information and facility to Cardmember to facilitate access to information and carry out transactions on their Card Account by giving instructions on telephone. The Bank may accept this either manually or by an automated system. However, the Bank at its sole discretion, may decide on the nature of the information/transaction that can be given/carried over the telephone. The Bank also reserves the right to authenticate Cardmember’s identity before processing the request. Cardmember may also be given a specific Telephone Personal Identification Number (T-PIN) for use of this facility. In the event that the response provided by the Bank as resolution to any query is not to the satisfaction of the Cardmember, Cardmember have an option to escalate the matter within the available escalation mechanism of the Bank or to an external forum i.e. Banking Ombudsman. Usage of foul and unparliamentary language by Cardmember will not be acceptable and if such instances are found, the Bank may initiate necessary action as required including termination of relationship. 13.2 Cardmember should agree that they shall not hold the Bank liable on account of the Bank acting in good faith on such instructions. 13.3 The Bank may at its sole discretion tape or record such instructions and may rely on transcripts of such telephonic instructions in evidence in any proceedings. 13.4 At Cardmember’s request the Bank may send financial information by e-mail (at an e-mail registered with the Bank) regarding the Card Account which may be of a private or confidential nature and they shall not hold the Bank liable in any manner should such information come to the knowledge of any third party. 13.5 In following such instructions, the Bank shall be doing so on a best effort basis and will not be liable on account of delay or inability on the part of the Bank to act immediately or at all on any of their instructions. 13.6 The Bank reserves its right not to carry out such instructions where the Bank has reasons to believe that the instructions are not genuine or to withdraw or suspend the facility. 13.7 In case there is a discrepancy in the particulars or details of any transaction carried out by the Bank, Cardmember shall be obliged to inform the Bank of the discrepancy within thirty (30) days of receiving the advice from the Bank. 13.8 In consideration of the Bank providing the said facility Cardmember shall indemnify and hereby keep the Bank indemnified from and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence of or by reason of using this facility.

HOURS CUSTOMER SERVICE. 13.1 12.1 The Bank shall provide information and facility to Cardmember to facilitate access to information and carry out transactions on their Card Account by giving instructions on telephone. The Bank may accept this either manually or by an automated system. However, the Bank at its sole discretion, may decide on the nature of the information/transaction that can be given/carried over the telephone. The Bank also reserves the right to authenticate Cardmember’s identity before processing the request. Cardmember may also be given a specific specific Telephone Personal Identification Identification Number (T-PIN) for use of this facility. 13.2 12.2 Cardmember should agree that they shall not hold the Bank liable on account of the Bank acting in good faith on such instructions. 13.3 12.3 The Bank may at its sole discretion tape or record such instructions and may rely on transcripts of such telephonic instructions in evidence in any proceedings. 13.4 12.4 At Cardmember’s request the Bank may send financial financial information by e-mail (at an e-mail registered with the Bank) regarding the Card Account which may be of a private or confidential confidential nature and they shall not hold the Bank liable in any manner should such information come to the knowledge of any third party. 13.5 12.5 In following such instructions, the Bank shall be doing so on a best effort basis and will not be liable on account of delay or inability on the part of the Bank to act immediately or at all on any of their instructions. 13.6 12.6 The Bank reserves its right not to carry out such instructions where the Bank has reasons to believe that the instructions are not genuine or to withdraw or suspend the facility. 13.7 12.7 In case there is a discrepancy in the particulars or details of any transaction carried out by the Bank, Cardmember shall be obliged to inform the Bank of the discrepancy within thirty (30) days of receiving the advice from the Bank. 13.8 12.8 In consideration of the Bank providing the said facility Cardmember shall indemnify and hereby keep the Bank indemnified indemnified from and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence of or by reason of using this facility.

HOURS CUSTOMER SERVICE. 13.1 The Bank shall provide information and facility to Cardmember to facilitate access to information and carry out transactions on their Card Account by giving instructions on telephone. The Bank may accept this either manually or by an automated system. However, the Bank at its sole discretion, may decide on the nature of the information/transaction that can be given/carried over the telephone. The Bank also reserves the right to authenticate Cardmember’s identity before processing the request. Cardmember may also be given a specific Telephone Personal Identification Number (T-PIN) for use of this facility. 13.2 . Cardmember should agree that they shall not hold the Bank liable on account of the Bank acting in good faith on such instructions. 13.3 . The Bank may at its sole discretion tape or record such instructions and may rely on transcripts of such telephonic instructions in evidence in any proceedings. 13.4 . At Cardmember’s request the Bank may send financial information by e-mail (at an e-mail registered with the Bank) regarding the Card Account which may be of a private or confidential nature and they shall not hold the Bank liable in any manner should such information come to the knowledge of any third party. 13.5 . In following such instructions, the Bank shall be doing so on a best effort basis and will not be liable on account of delay or inability on the part of the Bank to act immediately or at all on any of their instructions. 13.6 . The Bank reserves its right not to carry out such instructions where the Bank has reasons to believe that the instructions are not genuine or to withdraw or suspend the facility. 13.7 . In case there is a discrepancy in the particulars or details of any transaction carried out by the Bank, Cardmember shall be obliged to inform the Bank of the discrepancy within thirty (30) days of receiving the advice from the Bank. 13.8 . In consideration of the Bank providing the said facility Cardmember shall indemnify and hereby keep the Bank indemnified from and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence of or by reason of using this facility.

HOURS CUSTOMER SERVICE. 13.1 11.1 The Bank shall provide information and facility to Cardmember You to facilitate access to information and carry out transactions on their Your Card Account by giving instructions on telephone. The Bank may accept this either manually or by an automated system. However, the Bank at its sole discretion, may decide on the nature of natureof the information/transaction that can be given/carried over the telephone. The Bank also reserves the right to authenticate Cardmember’s identity before processing the request. Cardmember You may also be given a specific Telephone Personal Identification Number (T-PIN) for use of this facility. 13.2 11.2 Cardmember should agree agrees that they You shall not hold the Bank liable on account of the Bank acting in good faith on such instructions. 13.3 11.3 The Bank may at its sole discretion tape or record such instructions and may rely on transcripts of such telephonic instructions in evidence in any proceedings. 13.4 11.4 At Cardmember’s Your request the Bank may send financial information to You by e-mail (at an e-mail registered with the Bank) financial information (sought for by You) regarding the Card Account which may be of a private or confidential nature and they You shall not hold the Bank liable in any manner should such information come to the knowledge of any third party. 13.5 11.5 In following such instructions, the Bank shall be doing so on a best effort basis and will not be liable on account of delay or inability on the part of the Bank to act immediately or at all on any of their Your instructions. 13.6 11.6 The Bank reserves its right not to carry out such instructions where the Bank has reasons to believe that the instructions are not genuine or to withdraw or suspend the facility. 13.7 11.7 In case there is a discrepancy in the particulars or details of any transaction carried out by the Bank, Cardmember You shall be obliged to inform the Bank of the discrepancy within thirty (30) days of receiving the advice from the Bank. 13.8 11.8 In consideration of the Bank providing You the said facility Cardmember You shall indemnify and hereby keep the Bank indemnified from and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence of or by reason of Your using this facility.