Common use of Obligations of the Cardholder Clause in Contracts

Obligations of the Cardholder. 8.1 The Cardholder will sign the Card immediately upon receipt in the space provided thereon, with a ballpoint pen, and keep it in a safe place and shall under no circumstances whatsoever, allow the Card to be used by any other individual. 8.2 The Cardholder will be responsible for all facilities granted by IndusInd Bank in respect of the Primary and Add-On Card(s) issued and for all Card Transactions and charges accrued on these facilities, notwithstanding the termination of this agreement. 8.3 Cardholder agrees to promptly notify the Bank about any change in his contact information including a change in present, office or permanent address, residence, office or mobile phone number and E-mail. ln absence of any such written instructions, the monthly statement(s) will be sent to the mailing address in the Bank's records and the Cardholder will be solely responsible for any interest charge or late payment fee that becomes payable or any other consequence that arise thereof. The Bank shall not be responsible in any manner whatsoever. 8.4 The Cardholder must take proper care of the Card and the Card Number and do everything that is necessary to prevent the Card and the PIN from being lost, stolen or being misused. 8.5 The Cardholder shall notify the Bank immediately after becoming aware: 8.5.1 of the loss or theft or copying of the Card or the means which enable it to be used; 8.5.2 of the recording on the Cardholder's Card Account of any unauthorised transaction; 8.5.3 of any error or other irregularity in the maintaining of that Card Account by the Bank. 8.6 The Cardholder shall immediately file First Information Report (FIR) on the Card getting lost or stolen with a local police and send a copy of the same to the Bank with a covering letter giving details of the loss/disputed transactions, indemnity letter from the Cardholder, passport copies (in case of International transaction dispute or in cases of counterfeit and skimming) and other documents as required by the Bank and to the satisfaction of the Bank. 8.7 The Cardholder shall not countermand/cancel the Transaction once the same is placed by him by using the Card. 8.8 The Cardholder authorises the Bank to pay for purchases, cash withdrawals, and cash advances obtained by means of the Card, with or without the PIN, and to debit the amount concerned to the Card Account. 8.9 The Cardholder agrees not to attempt to withdraw / purchase using the Card unless sufficient Credit / Cash Limit is available in the Card Account. The onus of ensuring adequate balance in the Card Account is entirely on him. In the event of the Card Account getting overdrawn, he will have to rectify the account balance position immediately with charges and penal interest levied by the Bank from time-to-time. These charges will be determined by the Bank and will be announced from time-to-time. 8.10 In case the Card Account of the Cardholder is overdrawn due to Card Transactions, the Bank reserves the right to set off this amount against any credit lying in any of the Cardholder's other accounts held jointly or singly without giving any prior notice and the Cardholder hereby specifically authorises the Bank to do so. 8.11 Nothing in these terms and conditions shall affect the Bank's right to set off, transfer and application of monies at law or pursuant to any other agreement from time-to- time subsisting between the Bank and the Cardholder. 8.12 When requested by the Bank, the Cardholder shall provide all information, records or certificates relating to all or any matters in relation to his Card Account. 8.13 The PIN should never be disclosed to any person, including the staff of the Bank as well as other Banks whose ATMs are termed as Participating ATMs, officials of PME or written down under any circumstances whatsoever, in any form that would be intelligible or otherwise accessible to any third party, if access is gained to such record either honestly or dishonestly. 8.14 The Cardholder accepts that at his request and risk, the Bank has agreed to provide him with the facility of carrying out Card Transactions by using the Card. 8.15 The Cardholder shall not hold the Bank accountable on account of the Bank acting in good faith, in the normal course of business, on the Cardholder's instructions. 8.16 In following such instructions, the Bank will be doing so on a best effort basis and the Bank shall in no way be liable/held responsible on account of delay or inability to act immediately or at all on any of the Cardholder's instructions.

Obligations of the Cardholder. 8.1 The Cardholder will sign the Card immediately upon receipt in the space provided thereon, with a ballpoint pen, and keep it in a safe place and shall under no circumstances whatsoever, allow the Card to be used by any other individual. 8.2 The Cardholder will be responsible for all facilities granted by IndusInd Bank in respect of the Primary and Add-On Card(s) issued and for all Card Transactions and charges accrued on these facilities, notwithstanding the termination of this agreement. 8.3 Cardholder agrees to promptly notify the Bank about any change in his contact information including a change in the present, office or permanent address, residence, office or mobile phone number and E-mail. ln absence of any such written instructions, the monthly statement(s) will be sent to the mailing address address/e-mail available in the Bank's records and the Cardholder will be solely responsible for any interest charge or late payment fee that becomes payable or any other consequence that arise thereof. The Bank shall not be responsible in any manner whatsoever. 8.4 The Cardholder must take proper care of the Card and the Card Number and do everything that is necessary to prevent the Card and the PIN from being lost, stolen or being misused. 8.5 The Cardholder shall notify the Bank immediately after becoming aware: 8.5.1 of the loss or theft or copying of the Card or the means which enable it to be used; 8.5.2 of the recording on the Cardholder's Card Account of any unauthorised transaction; 8.5.3 of any error or other irregularity in the maintaining of that Card Account by the Bank. 8.6 The Cardholder shall immediately file First Information Report (FIR) on the Card getting lost or stolen with a local police and send a copy of the same to the Bank with a covering letter giving details of the loss/disputed transactions, indemnity letter from the Cardholder, passport copies (in case of International transaction dispute or in cases of counterfeit and skimming) and other documents as required by the Bank and to the satisfaction of the Bank. 8.7 The Cardholder shall not countermand/cancel the Transaction once the same is placed by him by using the Card. 8.8 The Cardholder authorises the Bank to pay for purchases, cash withdrawals, and cash advances obtained by means of the Card, with or without the PIN, and to debit the amount concerned to the Card Account. 8.9 The Cardholder agrees not to attempt to withdraw / withdraw/ purchase using the Card unless sufficient Credit / Credit/Cash Limit is available in the Card Account. The onus of ensuring adequate balance in the Card Account is entirely on him. In the event of the Card Account getting overdrawn, he will have to rectify the account balance position immediately with charges and penal interest levied by the Bank from time-to-time. These charges will be determined by the Bank and will be announced from time-to-time. 8.10 In case the Card Account of the Cardholder is overdrawn due to Card Transactions, the Bank reserves the right to set off this amount against any credit lying in any of the Cardholder's other accounts held jointly or singly without giving any prior notice and the Cardholder hereby specifically authorises the Bank to do so. 8.11 Nothing in these terms and conditions shall affect the Bank's right to set off, transfer and application of monies at law or pursuant to any other agreement from time-to- to-time subsisting between the Bank and the Cardholder. 8.12 When requested by the Bank, the Cardholder shall provide all information, records or certificates relating to all or any matters in relation to his Card Account. 8.13 The PIN should never be disclosed to any person, including the staff of the Bank as well as other Banks whose ATMs are termed as Participating ATMs, officials of PME or written down under any circumstances whatsoever, in any form that would be intelligible or otherwise accessible to any third party, if access is gained to such record either honestly or dishonestly. 8.14 The Cardholder accepts that at his request and risk, the Bank has agreed to provide him with the facility of carrying out Card Transactions by using the Card. 8.15 The Cardholder shall not hold the Bank accountable on account of the Bank acting in good faith, in the normal course of business, on the Cardholder's instructions. 8.16 In following such instructions, the Bank will be doing so on a best effort basis and the Bank shall in no way be liable/liable/ held responsible on account of delay or inability to act immediately responsibleonaccountofdelayorinabilitytoactimmediately or at all on any of the Cardholder's instructions.

Obligations of the Cardholder. 8.1 The Cardholder will sign the Card immediately upon receipt in the space provided thereon, with a ballpoint pen, and keep it in a safe place and shall under no circumstances whatsoever, allow the Card to be used by any other individual. 8.2 The Cardholder will be responsible for all facilities granted by IndusInd Bank in respect of the Primary and Add-On Card(s) issued and for all Card Transactions and charges accrued on these facilities, notwithstanding the termination of this agreement. 8.3 Cardholder agrees to promptly notify the Bank about any change in his contact information including a change in the present, office or permanent address, residence, office or mobile phone number and E-mail. ln absence of any such written instructions, the monthly statement(s) will be sent to the mailing address address/e-mail available in the Bank's records and the Cardholder will be solely responsible for any interest charge or late payment fee that becomes payable or any other consequence that arise thereof. The Bank shall not be responsible in any manner whatsoever. 8.4 The Cardholder must take proper care of the Card and the Card Number and do everything that is necessary to prevent the Card and the PIN from being lost, stolen or being misused. 8.5 The Cardholder shall notify the Bank immediately after becoming aware: 8.5.1 of the loss or theft or copying of the Card or the means which enable it to be used; 8.5.2 of the recording on the Cardholder's Card Account of any unauthorised transaction; 8.5.3 of any error or other irregularity in the maintaining of that Card Account by the Bank. 8.6 The Cardholder shall immediately file First Information Report (FIR) on the Card getting lost or stolen with a local police and send a copy of the same to the Bank with a covering letter giving details of the loss/disputed transactions, indemnity letter from the Cardholder, passport copies (in case of International transaction dispute or in cases of counterfeit and skimming) and other documents as required by the Bank and to the satisfaction of the Bank. 8.7 The Cardholder shall not countermand/cancel the Transaction once the same is placed by him by using the Card. 8.8 The Cardholder authorises the Bank to pay for purchases, cash withdrawals, and cash advances obtained by means of the Card, with or without the PIN, and to debit the amount concerned to the Card Account. 8.9 The Cardholder agrees not to attempt to withdraw / withdraw/purchase using the Card unless sufficient Credit / Credit/Cash Limit is available in the Card Account. The onus of ensuring adequate balance in the Card Account is entirely on him. In the event of the Card Account getting overdrawn, he will have to rectify the account balance position immediately with charges and penal interest levied by the Bank from time-to-time. These charges will be determined by the Bank and will be announced from time-to-time. 8.10 In case the Card Account of the Cardholder is overdrawn due to Card Transactions, the Bank reserves the right to set off this amount against any credit lying in any of the Cardholder's other accounts held jointly or singly without giving any prior notice and the Cardholder hereby specifically authorises the Bank to do so. 8.11 Nothing in these terms and conditions shall affect the Bank's right to set off, transfer and application of monies at law or pursuant to any other agreement from time-to- to-time subsisting between the Bank and the Cardholder. 8.12 When requested by the Bank, the Cardholder shall provide all information, records or certificates relating to all or any matters in relation to his Card Account. 8.13 The PIN should never be disclosed to any person, including the staff of the Bank as well as other Banks whose ATMs are termed as Participating ATMs, officials of PME or written down under any circumstances whatsoever, in any form that would be intelligible or otherwise accessible to any third party, if access is gained to such record either honestly or dishonestly. 8.14 The Cardholder accepts that at his request and risk, the Bank has agreed to provide him with the facility of carrying out Card Transactions by using the Card. 8.15 The Cardholder shall not hold the Bank accountable on account of the Bank acting in good faith, in the normal course of business, on the Cardholder's instructions. 8.16 In following such instructions, the Bank will be doing so on a best effort basis and the Bank shall in no way be liable/held responsible on account of delay or inability to act immediately or at all on any of the Cardholder's instructions.

Obligations of the Cardholder. 8.1 The Cardholder will sign the Card immediately upon receipt in the space provided thereon, with a ballpoint pen, and keep it in a safe place and shall under no circumstances whatsoever, allow the Card to be used by any other individual. 8.2 The Cardholder will be responsible for all facilities granted by IndusInd Bank in respect of the Primary and Add-On Card(s) issued and for all Card Transactions and charges accrued on these facilities, notwithstanding the termination of this agreement. 8.3 Cardholder agrees to promptly notify the Bank about any change in his contact information including a change in the present, office or permanent address, residence, office or mobile phone number and E-mail. ln absence of any such written instructions, the monthly statement(s) will be sent to the mailing address address/e-mail available in the Bank's records and the Cardholder will be solely responsible for any interest charge or late payment fee that becomes payable or any other consequence that arise thereof. The Bank shall not be responsible in any manner whatsoever. 8.4 The Cardholder must take proper care of the Card and the Card Number and do everything that is necessary to prevent the Card and the PIN from being lost, stolen or being misused. 8.5 The Cardholder shall notify the Bank immediately after becoming aware: 8.5.1 of the loss or theft or copying of the Card or the means which enable it to be used; 8.5.2 of the recording on the Cardholder's Card Account of any unauthorised transaction; 8.5.3 of any error or other irregularity in the maintaining of that Card Account by the Bank. 8.6 The Cardholder shall immediately file First Information Report (FIR) on the Card getting lost or stolen with a local police and send a copy of the same to the Bank with a covering letter giving details of the loss/disputed transactions, indemnity letter from the Cardholder, passport copies (in case of International transaction dispute or in cases of counterfeit and skimming) and other documents as required by the Bank and to the satisfaction of the Bank. 8.7 The Cardholder shall not countermand/cancel the Transaction once the same is placed by him by using the Card. 8.8 The Cardholder authorises the Bank to pay for purchases, cash withdrawals, and cash advances obtained by means of the Card, with or without the PIN, and to debit the amount concerned to the Card Account. 8.9 The Cardholder agrees not to attempt to withdraw / withdraw/purchase using the Card unless sufficient Credit / Credit/Cash Limit is available in the Card Account. The onus of ensuring adequate balance in the Card Account is entirely on him. In the event of the Card Account getting overdrawn, he will have to rectify the account balance position immediately with charges and penal interest levied by the Bank from time-to-time. These charges will be determined by the Bank and will be announced from time-to-time. 8.10 In case the Card Account of the Cardholder is overdrawn due to Card Transactions, the Bank reserves the right to set off this amount against any credit lying in any of the Cardholder's other accounts held jointly or singly without giving any prior notice and the Cardholder hereby specifically authorises the Bank to do so. 8.11 Nothing in these terms and conditions shall affect the Bank's right to set off, transfer and application of monies at law or pursuant to any other agreement from time-to- to-time subsisting between the Bank and the Cardholder. 8.12 When requested by the Bank, the Cardholder shall provide all information, records or certificates relating to all or any matters in relation to his Card Account. The Cardholder further authorises the Bank to verify the information provided through any means or source that the Bank deems fit. In case, the data shared by the Cardholder is inaccurate, incorrect or false or if the Cardholder fails to provide the data, Bank at its sole discretion, may not renew the Card or cancel or suspend the Card issued and the entire balance outstanding due will become immediately due and payable. 8.13 The PIN should never be disclosed to any person, including the staff of the Bank as well as other Banks whose ATMs are termed as Participating ATMs, officials of PME or written down under any circumstances whatsoever, in any form that would be intelligible or otherwise accessible to any third party, if access is gained to such record either honestly or dishonestly. 8.14 The Cardholder accepts that at his request and risk, the Bank has agreed to provide him with the facility of carrying out Card Transactions by using the Card. 8.15 The Cardholder shall not hold the Bank accountable on account of the Bank acting in good faith, in the normal course of business, on the Cardholder's instructions. 8.16 In following such instructions, the Bank will be doing so on a best effort basis and the Bank shall in no way be liable/held responsible on account of delay or inability to act immediately or at all on any of the Cardholder's instructions.

Obligations of the Cardholder. 8.1 The Cardholder will sign the Card immediately upon receipt in the space provided thereon, with a ballpoint pen, and keep it in a safe place and shall under no circumstances whatsoever, allow the Card to be used by any other individual. 8.2 The Cardholder will be responsible for all facilities granted by IndusInd Bank in respect of the Primary and Add-On Card(s) issued and for all Card Transactions and charges accrued on these facilities, notwithstanding the termination of this agreement. 8.3 Cardholder agrees to promptly notify the Bank about any change in his contact information including a change in the present, office or permanent address, residence, office or mobile phone number and E-mail. ln absence of any such written instructions, the monthly statement(s) will be sent to the mailing address address/e-mail available in the Bank's records and the Cardholder will be solely responsible for any interest charge or late payment fee that becomes payable or any other consequence that arise thereof. The Bank shall not be responsible in any manner whatsoever. 8.4 The Cardholder must take proper care of the Card and the Card Number and do everything that is necessary to prevent the Card and the PIN from being lost, stolen or being misused. 8.5 The Cardholder shall notify the Bank immediately after becoming aware:aware꞉ 8.5.1 of the loss or theft or copying of the Card or the means which enable it to be used; 8.5.2 of the recording on the Cardholder's Card Account of any unauthorised transaction; 8.5.3 of any error or other irregularity in the maintaining of that Card Account by the Bank. 8.6 The Cardholder shall immediately file First Information Report (FIR) on the Card getting lost or stolen with a local police and send a copy of the same to the Bank with a covering letter giving details of the loss/disputed transactions, indemnity letter from the Cardholder, passport copies (in case of International transaction dispute or in cases of counterfeit and skimming) and other documents as required by the Bank and to the satisfaction of the Bank. 8.7 The Cardholder shall not countermand/cancel the Transaction once the same is placed by him by using the Card. 8.8 The Cardholder authorises the Bank to pay for purchases, cash withdrawals, and cash advances obtained by means of the Card, with or without the PIN, and to debit the amount concerned to the Card Account. 8.9 The Cardholder agrees not to attempt to withdraw / T h e C a r d h o l d e r a g r e e s n o t t o a t t e m p t t o withdraw/purchase using the Card unless sufficient Credit / Credit/Cash Limit is available in the Card Account. The onus of ensuring adequate balance in the Card Account is entirely on him. In the event of the Card Account getting overdrawn, he will have to rectify the account balance position immediately with charges and penal interest levied by the Bank from time-to-time. These charges will be determined by the Bank and will be announced from time-to-time. 8.10 In case the Card Account of the Cardholder is overdrawn due to Card Transactions, the Bank reserves the right to set off this amount against any credit lying in any of the Cardholder's other accounts held jointly or singly without giving any prior notice and the Cardholder hereby specifically authorises the Bank to do so. 8.11 Nothing in these terms and conditions shall affect the Bank's right to set off, transfer and application of monies at law or pursuant to any other agreement from time-to- to-time subsisting between the Bank and the Cardholder. 8.12 When requested by the Bank, the Cardholder shall provide all information, records or certificates relating to all or any matters in relation to his Card Account. The Cardholder further authorises the Bank to verify the information provided through any means or source that the Bank deems fit. In case, the data shared by the Cardholder is inaccurate, incorrect or false or if the Cardholder fails to provide the data, Bank at its sole discretion, may not renew the Card or cancel or suspend the Card issued and the entire balance outstanding due will become immediately due and payable. 8.13 The PIN should never be disclosed to any person, including the staff of the Bank as well as other Banks whose ATMs are termed as Participating ATMs, officials of PME or written down under any circumstances whatsoever, in any form that would be intelligible or otherwise accessible to any third party, if access is gained to such record either honestly or dishonestly. 8.14 The Cardholder accepts that at his request and risk, the Bank has agreed to provide him with the facility of carrying out Card Transactions by using the Card. 8.15 The Cardholder shall not hold the Bank accountable on account of the Bank acting in good faith, in the normal course of business, on the Cardholder's instructions. 8.16 In following such instructions, the Bank will be doing so on a best effort basis and the Bank shall in no way be liable/held responsible on account of delay or inability to act immediately or at all on any of the Cardholder's instructionsimmediatelyoratallonanyofthe Cardholder'sinstructions.