Common use of Supplementary Cards Clause in Contracts

Supplementary Cards. The Bank may issue a Supplementary Card(s) at the request of the Primary Cardholder to a party nominated by him/her to immediate family members of the Primary Cardholder at the Bank’s discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will be bound by the Terms and Conditions of this Agreement. The Primary Cardholders at his/her discretion. All communication sent or given to the Primary Cardholder or the Supplementary 9.1 Cardholder is deemed to be sent or given to both. The Primary Cardholder and each Supplementary Cardholder agree to be 9.2 bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Primary Cardholder to operate the Card Account, in which event the Primary Cardholder indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Primary Cardholder. The combined Credit Limit is applicable to the Primary Cardholder and all 9.3 Supplementary Cardholders collectively; the Primary Cardholder and all Supplementary Cardholders must not carry out Card Transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit. Without prejudice to Clause 21, The Bank hereby authorized by the Primary 9.4 Cardholder to disclose, in our absolute discretion, particulars of the Primary Cardholder or the Card Account to the Supplementary Cardholder and to such other persons including persons authorized by the Primary Cardholder as the Bank deem fit to make such disclosure in the course of enforcing the Bank’s rights under this agreement or preliminary thereto. The Primary Cardholder is entitled at any time to terminate the use of any 9.5 Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless and until the Bank receives such Supplementary Card, The Bank will not be bound by or accede to any instruction given by the Primary Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Cardholder and Supplementary Cardholder under this Agreement will continue notwithstanding that the use of such Supplementary Card is terminated. All undertakings, liabilities and obligations owing to the Bank under this 9.6 Agreement by the Primary Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counter claim or right of set-off which the Primary Cardholder and the Supplementary Cardholder may have against each other. The discharge or waiver of any liability of the Supplementary Cardholder for 9.7 any reason will not prejudice or affect the undertakings, liabilities and obligations of the Primary Cardholder or our rights and remedies against the Primary Cardholder and vice versa. USE OF DFCC BANK ATM MACHINE 10 Cardholders may use their Cards at DFCC Bank ATM Machines and other 10.1 ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. The Cardholders shall be responsible and liable for all transactions effected 10.3 through ATMs by the use of the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM Machines. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.

Supplementary Cards. The Bank may issue a Supplementary Card(s) at the request of the Primary Cardholder to a party nominated by him/her to immediate family members of the Primary Cardholder at the Bank’s discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will be bound by the Terms terms and Conditions conditions of this Agreementagreement. The Primary Basic Cardholder may assign the same Credit Limit or a lower limit to the Supplementary Cardholders at his/her discretion. . (a) All communication communications sent or given to the Primary Basic Cardholder or the Supplementary 9.1 Supplementary Cardholder is deemed to be sent or given to both. . (b) The Primary Basic Cardholder and each Supplementary Cardholder agree to be 9.2 be bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Primary Basic Cardholder to operate the Card Account, in which event the Primary Basic Cardholder indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Primary Basic Cardholder. . 8.2 The combined Combined Credit Limit is applicable to the Primary Basic Cardholder and all 9.3 all Supplementary Cardholders collectively; the Primary Basic Cardholder and all Supplementary Cardholders must not carry out Card Transactions transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit. . 8.3 Without prejudice to Clause 21clause 20, The Bank we are hereby authorized by the Primary 9.4 Basic Cardholder to disclose, in our absolute discretion, particulars of the Primary Basic Cardholder or the Card Account to the Supplementary Cardholder and to such other persons including persons authorized by the Primary Cardholder as the Bank we deem fit to make such disclosure in the course of enforcing the Bank’s our rights under this agreement or preliminary thereto. . 8.4 The Primary Basic Cardholder is entitled at any time to terminate the use of any 9.5 any Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless 10.1. Unless and until the Bank receives we receive such Supplementary Card, The Bank we will not be bound by or accede to any instruction given by the Primary Basic Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Basic Cardholder and the Supplementary Cardholder under this Agreement agreement will continue notwithstanding that the use of such Supplementary Card is terminated. . 8.5 All undertakings, liabilities and obligations owing to the Bank us under this 9.6 Agreement this agreement by the Primary Basic Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counter claim counterclaim or right of set-off which the Primary Basic Cardholder and the Supplementary Cardholder may have against each other. . 8.6 The discharge or waiver of any liability of the Supplementary Cardholder for 9.7 for any reason will not prejudice or affect the undertakings, liabilities and obligations of the Primary Basic Cardholder or our rights and remedies against the Primary Basic Cardholder and vice versa. USE OF DFCC BANK ATM MACHINE 10 Cardholders may use their Cards at DFCC Bank ATM Machines and other 10.1 ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. The Cardholders shall be responsible and liable for all transactions effected 10.3 through ATMs by the use of the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM Machines. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.

Supplementary Cards. The Bank may issue a Supplementary Card(s) at the request of the Primary Cardholder Cardmember to a party nominated by him/her to immediate family members of the Primary Cardholder at the Bank’s discretion. Both the Cardholder Cardmember and the Supplementary Cardholder(sCardmember(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(sCardmember(s) will be bound by the Terms terms and Conditions conditions of this Agreementagreement. The Primary Cardholders Basic Cardmember may assigns the same Credit Limit or a lower limit to the Supplementary Cardmembers at his/her discretion. . (a) All communication communications sent or given to the Primary Cardholder Basic Cardmember or the Supplementary 9.1 Cardholder Supplementary Cardmember is deemed to be sent or given to both. . (b) The Primary Cardholder Basic Cardmember and each Supplementary Cardholder Cardmember agree to be 9.2 be bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Primary Cardholder Basic Cardmember to operate the Card Account, in which event the Primary Cardholder Basic Cardmember indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Primary Cardholder. Basic Cardmember. 8.2 The combined Combined Credit Limit is applicable to the Primary Cardholder Basic Cardmember and all 9.3 all Supplementary Cardholders Cardmembers collectively; the Primary Cardholder Basic Cardmember and all Supplementary Cardholders Cardmembers must not carry out Card Transactions transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit. . 8.3 Without prejudice to Clause 21clause 18, The Bank we are hereby authorized by the Primary 9.4 Cardholder Basic Cardmember to disclose, in our absolute discretion, particulars of the Primary Cardholder Basic Cardmember or the Card Account to the Supplementary Cardholder Cardmember and to such other persons including persons authorized by the Primary Cardholder as the Bank we deem fit to make such disclosure in the course of enforcing the Bank’s our rights under this agreement or preliminary thereto. . 8.4 The Primary Cardholder Basic Cardmember is entitled at any time to terminate the use of any 9.5 any Supplementary Card, and the Supplementary Cardholder Cardmember may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless 10.1. Unless and until the Bank receives we receive such Supplementary Card, The Bank we will not be bound by or accede to any instruction given by the Primary Cardholder Basic Cardmember or any Supplementary Cardholder Cardmember to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Cardholder Basic Cardmember and the Supplementary Cardholder Cardmember under this Agreement agreement will continue notwithstanding that the use of such Supplementary Card is terminated. . 8.5 All undertakings, liabilities and obligations owing to the Bank us under this 9.6 Agreement this agreement by the Primary Cardholder Basic Cardmember and the Supplementary Cardholder Cardmember will not be prejudiced or affected in any way by any dispute or counter claim counterclaim or right of set-off which the Primary Cardholder Basic Cardmember and the Supplementary Cardholder Cardmember may have against each other. . 8.6 The discharge or waiver of any liability of the Supplementary Cardholder for 9.7 Cardmember for any reason will not prejudice or affect the undertakings, liabilities and obligations of the Primary Cardholder Basic Cardmember or our rights and remedies against the Primary Cardholder Basic Cardmember and vice versa. USE OF DFCC BANK ATM MACHINE 10 Cardholders may use their Cards at DFCC Bank ATM Machines and other 10.1 ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. The Cardholders shall be responsible and liable for all transactions effected 10.3 through ATMs by the use of the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM Machines. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.

Supplementary Cards. The Bank may issue a Supplementary Card(s) at the request of the Primary Cardholder to a party nominated by him/her to immediate family members of the Primary Cardholder primary cardholder at the Bank’s discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will be bound by the Terms terms and Conditions conditions of this Agreementagreement. The Primary Basic Cardholder may assigns the same Credit Limit or a lower limit to the Supplementary Cardholders at his/her discretion. . 9.1 All communication sent or given to the Primary Cardholder or the Supplementary 9.1 Supplementary Cardholder is deemed to be sent or given to both. . 9.2 The Primary Cardholder and each Supplementary Cardholder agree to be 9.2 be bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Primary Cardholder to operate the Card Account, in which event the Primary primary Cardholder indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Primary Cardholder. . 9.3 The combined Credit Limit is applicable to the Primary they primary Cardholder and all 9.3 all Supplementary Cardholders collectively; the Primary Cardholder and all Supplementary Cardholders must not carry out Card Transactions in such a manner that the current balance respectively incurred by them exceeds the Combined combined Credit Limit. . 9.4 Without prejudice to Clause 21, The Bank bank hereby authorized by the Primary 9.4 Primary Cardholder to disclose, in our absolute discretion, particulars of the Primary Cardholder or the Card Account to the Supplementary Cardholder and to such other persons including persons authorized by the Primary Cardholder primary cardholder as the Bank deem fit to make such disclosure in the course of enforcing the Bankbank’s rights under this agreement or preliminary thereto. . 9.5 The Primary Cardholder is entitled at any time to terminate the use of any 9.5 any Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless and until the Bank bank receives such Supplementary Card, The Bank bank will not be bound by or accede to any instruction given by the Primary Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Cardholder and Supplementary Cardholder under this Agreement agreement will continue notwithstanding that the use of such Supplementary Card is terminated. . 9.6 All undertakings, liabilities and obligations owing to the Bank bank under this 9.6 this Agreement by the Primary Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counter claim or right of set-off which the Primary Cardholder and the Supplementary Cardholder may have against each other. . 9.7 The discharge or waiver of any liability of the Supplementary Cardholder for 9.7 for any reason will not prejudice or affect the undertakings, liabilities and obligations of the Primary Cardholder or our rights and remedies against the Primary Cardholder and vice versa. USE OF DFCC BANK ATM MACHINE 10 Cardholders may use their Cards at DFCC Bank ATM Machines and other 10.1 ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. The Cardholders shall be responsible and liable for all transactions effected 10.3 through ATMs by the use of the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM Machines. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.

Supplementary Cards. The Bank may issue a Supplementary Card(s) at the request of the Primary Cardholder to a party nominated by him/her to immediate family members of the Primary Cardholder at the Bank’s discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will be bound by the Terms and Conditions of this Agreement. The Primary Cardholder may assign the same Credit Limit or a lower limit to the Supplementary Cardholders at his/her discretion. . 9.1 All communication sent or given to the Primary Cardholder or the Supplementary 9.1 Supplementary Cardholder is deemed to be sent or given to both. . 9.2 The Primary Cardholder and each Supplementary Cardholder agree to be 9.2 be bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Primary Cardholder to operate the Card Account, in which event the Primary Cardholder indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Primary Cardholder. . 9.3 The combined Credit Limit is applicable to the Primary Cardholder and all 9.3 all Supplementary Cardholders collectively; the Primary Cardholder and all Supplementary Cardholders must not carry out Card Transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit. . 9.4 Without prejudice to Clause 21, The Bank hereby authorized by the Primary 9.4 Primary Cardholder to disclose, in our absolute discretion, particulars of the Primary Cardholder or the Card Account to the Supplementary Cardholder and to such other persons including persons authorized by the Primary Cardholder as the Bank deem fit to make such disclosure in the course of enforcing the Bank’s rights under this agreement or preliminary thereto. . 9.5 The Primary Cardholder is entitled at any time to terminate the use of any 9.5 any Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless and until the Bank receives such Supplementary Card, The Bank will not be bound by or accede to any instruction given by the Primary Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Cardholder and Supplementary Cardholder under this Agreement will continue notwithstanding that the use of such Supplementary Card is terminated. . 9.6 All undertakings, liabilities and obligations owing to the Bank under this 9.6 this Agreement by the Primary Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counter claim or right of set-off which the Primary Cardholder and the Supplementary Cardholder may have against each other. . 9.7 The discharge or waiver of any liability of the Supplementary Cardholder for 9.7 for any reason will not prejudice or affect the undertakings, liabilities and obligations of the Primary Cardholder or our rights and remedies against the Primary Cardholder and vice versa. USE OF DFCC BANK ATM MACHINE 10 Cardholders may use their Cards at DFCC Bank ATM Machines and other 10.1 ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. The Cardholders shall be responsible and liable for all transactions effected 10.3 through ATMs by the use of the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM Machines. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.

Supplementary Cards. The Bank may issue a Supplementary Card(s) at the request of the Primary Cardholder to a party nominated by him/her to immediate family members of the Primary Cardholder at the Bank’s discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will be bound by the Terms and Conditions of this Agreement. The Primary Basic Cardholder may assign the same Credit Limit or a lower limit to the Supplementary Cardholders at his/her discretion. . 9.1 All communication sent or given to the Primary Cardholder or the Supplementary 9.1 Supplementary Cardholder is deemed to be sent or given to both. . 9.2 The Primary Cardholder and each Supplementary Cardholder agree to be 9.2 be bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by the Primary Cardholder to operate the Card Account, in which event the Primary Cardholder indemnifies indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by the Primary Cardholder. . 9.3 The combined Credit Limit is applicable to the they Primary Cardholder and all 9.3 all Supplementary Cardholders collectively; the Primary Cardholder and all Supplementary Cardholders must not carry out Card Transactions in such a manner that the current balance respectively incurred by them exceeds the Combined combined Credit Limit. . 9.4 Without prejudice to Clause 21, The Bank hereby authorized by the Primary 9.4 Primary Cardholder to disclose, in our absolute discretion, particulars of the Primary Cardholder or the Card Account to the Supplementary Cardholder and to such other persons including persons authorized by the Primary Cardholder as the Bank deem fit fit to make such disclosure in the course of enforcing the Bank’s rights under this agreement or preliminary thereto. . 9.5 The Primary Cardholder is entitled at any time to terminate the use of any 9.5 any Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless and until the Bank receives such Supplementary Card, The Bank will not be bound by or accede to any instruction given by the Primary Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Cardholder and Supplementary Cardholder under this Agreement will continue notwithstanding that the use of such Supplementary Card is terminated. . 9.6 All undertakings, liabilities and obligations owing to the Bank bank under this 9.6 this Agreement by the Primary Cardholder and the Supplementary Cardholder will not be prejudiced or affected in any way by any dispute or counter claim or right of set-off which the Primary Cardholder and the Supplementary Cardholder may have against each other. . 9.7 The discharge or waiver of any liability of the Supplementary Cardholder for 9.7 for any reason will not prejudice or affect the undertakings, liabilities and obligations of the Primary Cardholder or our rights and remedies against the Primary Cardholder and vice versa. USE OF DFCC BANK ATM MACHINE 10 MACHINE 10.1 Cardholders may use their Cards at DFCC Bank ATM Machines Machine and other 10.1 other ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. . 10.2 The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Savings Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. . 10.3 The Cardholders shall be responsible and liable for all transactions effected 10.3 effected through ATMs by the use of the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM Machines. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(sCardholder (s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.

Supplementary Cards. The 9.1 Bank may in its absolute discretion issue a Supplementary Card(s) at the request of Card to a person nominated by the Primary Cardholder to a party nominated and approved by him/her to immediate family members of the Primary Cardholder at the Bank’s discretion. Both the Cardholder and the Supplementary Cardholder(s) will be jointly and severally liable for the use of the Card and The issue of the Supplementary Card(s) whether their Card Accounts are combined or separate. Any Supplementary Cardholder(s) will shall be bound by the subject to such Terms and Conditions of this Agreement. which Bank may deem necessary. 9.2 The Primary Cardholders at his/her discretion. All communication sent or given Terms and Conditions applicable herein to the Primary Cardholder or shall apply mutatis mutandis (i.e. with the Supplementary 9.1 Cardholder is deemed necessary changes) to be sent or given to both. The Primary Cardholder and each the Supplementary Cardholder agree except for the liability to be 9.2 bound by all instructions and requests made or purportedly made by any of them or any third party authorized in writing by repay the Primary Cardholder to operate the Card Account, in Charges which event the Primary Cardholder indemnifies the Bank from and against any loss, damage, claim, cost or expense of whatsoever nature arising out of the Bank having acted on the instructions of such third party authorized by rests with the Primary Cardholder. . 9.3 The combined Credit Limit is applicable assigned to the Primary Cardholder and all 9.3 Supplementary Cardholders collectively; the Primary Cardholder and all Supplementary Cardholders must not carry out Card Transactions in such a manner that the current balance respectively incurred by them exceeds the Combined Credit Limit. Without prejudice to Clause 21, The Bank hereby authorized by the Primary 9.4 Cardholder to disclose, in our absolute discretion, particulars is inclusive of the Primary Cardholder or the Card Account to Credit Limit of the Supplementary Cardholder and to such other persons including persons authorized by the Primary Cardholder as the Bank deem fit to make such disclosure in the course of enforcing the Bank’s rights under this agreement or preliminary thereto. The Primary Cardholder is entitled at any time to terminate the use of any 9.5 Supplementary Card, and the Supplementary Cardholder may terminate the use of his/her Supplementary Card, at any time in accordance with clause 11.1, unless and until the Bank receives such Supplementary Card, The Bank will not be bound by or accede to any instruction given by the Primary Cardholder or any Supplementary Cardholder to terminate the use of such Supplementary Card. The respective obligations and liabilities of the Primary Cardholder and Supplementary Cardholder under this Agreement will continue notwithstanding that the use of such Supplementary Card is terminated. All undertakings, liabilities and obligations owing to the Bank under this 9.6 Agreement by the Primary Cardholder and the Supplementary Cardholder will shall not permit the total of the Charges incurred through their respective Cards to exceed the said Credit Limit. 9.4 The Validity of the Supplementary Card is subject to the validity of the Primary Card. The termination of the Supplementary Card for whatever reason shall not automatically terminate the Primary Card or the Primary Cardholder’s Agreement with Bank, but the termination of the Primary Card shall also terminate the Supplementary Card. 9.5 The undertakings, liabilities and the obligations of the Primary Cardholder and the Supplementary Cardholder to the Bank and Bank’s rights herein shall not be prejudiced or affected in any way by any dispute or counter claim or right of set-off counterclaim which the Primary Cardholder and the Supplementary Cardholder may have against each other. . 9.6 The discharge Primary Cardholder shall unconditionally and irrevocably indemnify and hold harmless Bank its shareholders, directors, employees, officers, representatives (each an “Associated Person”) against any loss, damage, liability, costs and expenses whether legal or waiver otherwise incurred by Bank or any Associated Person by reason of any liability legal disability or incapacity of the Supplementary Cardholder foror any breach of these Terms and Conditions by the Supplementary Cardholder. 9.7 any reason will not prejudice or affect the undertakings, liabilities and obligations of the The Primary Cardholder or our rights undertakes that he is the natural guardian of any Supplementary Cardholder between 18 and remedies against the Primary Cardholder 21 years of age and vice versa. USE OF DFCC BANK ATM MACHINE 10 Cardholders may use their Cards at DFCC Bank ATM Machines and other 10.1 ATMs which will accept the Card for transactions allowed by such machines on Cardholders Card Account and other Accounts held with the Bank which are linked to the Credit Card. The use of the Card to obtain facilities from the Cardholder’s Current/ Savings 10.2 Account through DFCC Bank ATM or other ATMs shall be subject to the prevailing of terms and conditions governing all services/facilities and transactions as prescribed for the DFCC Bank Card. The Cardholders shall be responsible and liable for all transactions effected 10.3 through ATMs by that the use of such Supplementary Card shall be under his/ her supervision and control. 9.8 The Primary Cardholder authorises the Bank to provide information about the Card with or without knowledge or authority of the Cardholder. Where the Cardholder withdraws money through the ATMs, from his/her Card Account or from his/her other linked Accounts, the Bank shall debit Card Account or the other respective Account as the case may be. Where Supplementary Cards are issued at the request of the Primary Cardholder, the Cardholder along with to the Supplementary Cardholder shall be jointly and severally liable to the Bank for any charges for use of the Card through the ATM MachinesCardholder. 10.4 The Cardholder agrees that the Bank’s records of all transactions of the Cardholder’s Current/Savings account shall be conclusive and binding on the Cardholder for all purposes. 10.5 Any dispute arising due to transactions performed at ATM machines by Cardholders will be investigated by the Bank and will be added to the liability of the Cardholder(s) unless proved otherwise to the satisfaction of the Bank. The report of a lost Card will not result in a suspension or cancellation of this liability as a PIN number has to be used for the ATM transaction. Cardholders have been specifically instructed to protect, secure and separate PIN from the Card and failure to do so is deemed as an acceptance of liability.