Common use of Liability for Charges Clause in Contracts

Liability for Charges. 5.1 If the Card is lost or stolen or if the PIN is disclosed without authorisation, the Cardholder’s and Cardmember’s liability shall be limited to S$100 only if: (a) the Cardholder or the Cardmember has immediately notified DBS of the loss, theft or unauthorized disclosure; (b) the Cardholder and/or the Cardmember assists DBS in the recovery of the unauthorised charges incurred; (c) the Cardholder and/or the Cardmember furnishes DBS with a police report accompanied by written confirmation of the loss, theft or unauthorized disclosure and any other information that DBS may require; and (d) DBS is satisfied that such loss, theft or unauthorised disclosure is not due to the fraudulent act, negligence or default of the Cardholder and Cardmember. 5.2 The Cardholder and Cardmember shall not be liable for any Card Transaction effected after DBS has been notified that the Card was lost, stolen or PIN was disclosed without authorisation. 5.3 Should the Cardmember and/or Cardholder discover that its Card is lost, stolen or used in an unauthorised way, the Cardmember and/or the Cardholder shall notify DBS of the loss/ theft or unauthorised use by calling the DBS Customer Service Hotline at 1800 111 1111 or by notifying DBS in writing. In certain circumstances, DBS may also require the Cardmember and/or Cardholder to make a police report accompanied by written confirmation of the loss/theft/disclosure and any other information that DBS may require.

Liability for Charges. 5.1 If the Card is lost or stolen or if the PIN is disclosed without authorisation, the Cardholder’s and Cardmember’s liability shall be limited to S$100 only if: (a) the Cardholder or the Cardmember has immediately notified DBS of the loss, theft or unauthorized disclosure; (b) the Cardholder and/or the Cardmember assists DBS in the recovery of the unauthorised charges incurred; (c) the Cardholder and/or the Cardmember furnishes DBS with a police report accompanied by written confirmation of the loss, theft or unauthorized disclosure and any other information that DBS may require; and (d) DBS is satisfied that such loss, theft or unauthorised disclosure is not due to the fraudulent act, negligence or default of the Cardholder and Cardmember. 5.2 . The Cardholder and Cardmember shall not be liable for any Card Transaction effected after DBS has been notified that the Card was lost, stolen or PIN was disclosed without authorisation. 5.3 5.2 Should the Cardmember and/or Cardholder discover that its Card is lost, stolen or used in an unauthorised way, the Cardmember and/or the Cardholder shall notify DBS of the loss/ loss/theft or unauthorised use by calling the DBS Customer Service Hotline at 1800 111 1111 or by notifying DBS in writing. In certain circumstances, DBS may also require the Cardmember and/or Cardholder to make a police report accompanied by written confirmation of the loss/theft/disclosure and any other information that DBS may require.

Liability for Charges. 5.1 If the Card is lost or stolen or if the PIN is disclosed without authorisation, the Cardholder’s and Cardmember’s liability shall be limited to S$100 $100 only if: (a) the Cardholder or the Cardmember has immediately notified DBS of the loss, theft or unauthorized disclosure; (b) the Cardholder and/or the Cardmember assists DBS in the recovery of the unauthorised charges incurred; (c) the Cardholder and/or the Cardmember furnishes DBS with a police report accompanied by written confirmation of the loss, theft or unauthorized disclosure and any other information that DBS may require; and (d) DBS is satisfied that such loss, theft or unauthorised disclosure is not due to the fraudulent act, negligence or default of the Cardholder and Cardmember. 5.2 The Cardholder and Cardmember shall not be liable for any Card Transaction effected after DBS has been notified that the Card was lost, stolen or PIN was disclosed without authorisation. 5.3 Should the Cardmember and/or Cardholder discover that its Card is lost, stolen or used in an unauthorised way, the Cardmember and/or the Cardholder shall notify DBS of the loss/ theft or unauthorised use by calling the DBS Customer Service Hotline at 1800 111 1111 or by notifying DBS in writing. In certain circumstances, DBS may also require the Cardmember and/or Cardholder to make a police report accompanied by written confirmation of the loss/theft/disclosure and any other information that DBS may require.

Liability for Charges. 5.1 If the Card is lost or stolen or if the PIN is disclosed without authorisation, the Cardholder’s and Cardmember’s liability shall be limited to S$100 $100 only if: (a) the Cardholder or the Cardmember has immediately notified DBS of the loss, theft or unauthorized disclosure; (b) the Cardholder and/or the Cardmember assists DBS in the recovery of the unauthorised charges incurred; (c) the Cardholder and/or the Cardmember furnishes DBS with a police report accompanied by written confirmation of the loss, theft or unauthorized disclosure and any other information that DBS may require; and (d) DBS is satisfied that such loss, theft or unauthorised disclosure is not due to the fraudulent act, negligence or default of the Cardholder and Cardmember. 5.2 The Cardholder and Cardmember shall not be liable for any Card Transaction effected after DBS has been notified that the Card was lost, stolen or PIN was disclosed without authorisationwithoutauthorisation. 5.3 Should the Cardmember and/or Cardholder discover that its Card is lost, stolen or used in an unauthorised way, the Cardmember and/or the Cardholder shall notify DBS of the loss/ theft or unauthorised use by calling the DBS Customer Service Hotline at 1800 111 1111 or by notifying DBS in writing. In certain circumstances, DBS may also require the Cardmember and/or Cardholder to make a police report accompanied by written confirmation of the loss/theft/disclosure and any other information that DBS may require.

Liability for Charges. 5.1 If the Card is lost or stolen or if the PIN is disclosed without authorisation, the Cardholder’s and Cardmember’s liability shall be limited to S$100 only if: (a) the Cardholder or the Cardmember has immediately notified DBS of the loss, theft or unauthorized disclosure; (b) the Cardholder and/or the Cardmember assists DBS in the recovery of the unauthorised charges incurred; (c) the Cardholder and/or the Cardmember furnishes DBS with a police report accompanied by written confirmation of the loss, theft or unauthorized disclosure and any other information that DBS may require; and (d) DBS is satisfied that such loss, theft or unauthorised disclosure is not due to the fraudulent act, negligence or default of the Cardholder and Cardmember. 5.2 The Cardholder and Cardmember shall not be liable for any Card Transaction effected after DBS has been notified that the Card was lost, stolen or PIN was disclosed without authorisation. 5.3 Should the Cardmember and/or Cardholder discover that its Card is lost, stolen or used in an unauthorised way, the Cardmember and/or the Cardholder shall notify DBS of the loss/ theft or unauthorised use by calling the DBS Customer Service Hotline at 1800 111 1111 or by notifying DBS in writing. In certain circumstances, DBS may also require the Cardmember and/or Cardholder to make a police report accompanied by written confirmation of the loss/loss/ theft/disclosure and any other information that DBS may require.

Liability for Charges. 5.1 If Depending on the type of liability that governs the Company’s Corporate Card Account as specified in the Corporate Card Company application, liability for Charges on the Card and/or Corporate Card Account will affect the Company and/or the Cardmember in different ways. Either the Company, the Cardmember or both will be liable for Charges, whether authorized or unauthorized or even if the signature of the Cardmember/Designated Individual is proven to be forged or the Card or Card information is proven to have been skimmed, except for Charges incurred after the loss or theft of Card has been reported to BDO (American Express Cards) Customer Service Hotline. The types of liability for Charges are as follows: a. The cost of scheduled airline tickets, prepaid accommodation, prepaid car rental, local ground transportation and travel insurance and related visa fees and taxes for business travel; b. Related telecommunications and other Company approved business expenses (collectively, “Business Expenses”) through merchants in the Philippines, the Company to be billed for the charges by BDO; and/or c. The cost of goods and supplies for the Company’s own internal use (collectively, “Business Expenses”) through BDO merchants and the Company to be billed for the charges by BDO. The Company, Designated Individual and/or the Cardmember must notify us as soon as they become aware or have reason to suspect that a Card is lost or stolen or if a Card or Corporate Card Account is at risk of being misused. We reserve the PIN is disclosed right to block or suspend the Card or Corporate Card Account and/or issue a replacement Card or Corporate Card Account number upon such notification or even without authorisationsuch notification, the Cardholder’s and Cardmember’s liability shall be limited if we have reason to S$100 only if: (a) the Cardholder or the Cardmember has immediately notified DBS of the loss, theft or unauthorized disclosure; (b) the Cardholder and/or the Cardmember assists DBS in the recovery of the unauthorised charges incurred; (c) the Cardholder and/or the Cardmember furnishes DBS with a police report accompanied by written confirmation of the loss, theft or unauthorized disclosure and any other information that DBS may require; and (d) DBS is satisfied that such loss, theft or unauthorised disclosure is not due to the fraudulent act, negligence or default of the Cardholder and Cardmember. 5.2 The Cardholder and Cardmember shall not be liable for any Card Transaction effected after DBS has been notified believe that the Card was lostor Corporate Card Account has been compromised, stolen or PIN was disclosed there has been fraudulent or unauthorized use of the Card or Corporate Card Account, without authorisation. 5.3 Should us, our employees, agents or representatives, incurring any liability as a consequence of such blocking or suspension and/or replacement of Card/Corporate Card Account number. The Company and Cardmember/Designated Individual agree that their subsequent payment of the questioned Charges does not automatically unblock or lift the Card/Corporate Card Account suspension. The unblocking or lifting of Card/Corporate Card Account suspension may be effected upon request of the Company and/or at our reasonable discretion. The Company agrees to provide us with reasonable assistance to collect overdue amounts from Corporate Cardmembers, including but not limited to details of the Cardmember’s last known address and telephone number, use of the Card or Corporate Account by the Cardmember and/or Cardholder discover that its Card is lost, stolen and reimbursement by the Company of Charges incurred by the Cardmember. The Company must notify us in writing immediately if a Corporate Cardmember’s or used in an unauthorised way, the Cardmember and/or the Cardholder shall notify DBS Designated Individual’s authority to incur Charges terminates (due to termination of the loss/ theft employment or unauthorised use by calling the DBS Customer Service Hotline at 1800 111 1111 or by notifying DBS in writing. In certain circumstances, DBS may also require the Cardmember and/or Cardholder to make a police report accompanied by written confirmation of the loss/theft/disclosure and any other information that DBS may requirereason). The Company remains solely liable to pay us for all Charges incurred until we have received written notice of such termination from the Company and have cancelled the Card of such Cardmember. The Company will use its best efforts to collect and destroy Cards issued to individuals whose authority to incur Charges is terminated, whose Company employment was terminated for any reason, or whose Cards have been cancelled.