Suspensionof useandlimitations. (a) A Cardholder may suspend the use of his/her/its Debit Card function by givingnotice to the Bank. However, the Cardholdershallstill be liable forthe amount of transactions havingoccurred by the timewhensuchsuspensiontakeseffect.
(b) Toprotectthe Cardholder’stransactionsecurityandmaintaintheBank’srightsandinterests,theBank maysuspendthe Cardholder’suse of the Debit Cardand foreign withdrawal function upon notice to the Cardholder, if there is suspicion over the card number being counterfeited or forged, if the Bank receives any risk report fromtheinternationalcardassociation, otherissuer or acquirer, or if the Bank determinesthatthe Cardholder’saccountor Debit Cardfunctionis suspected of being misused.
(c) The Bankmay, giventhe risk, security or the Cardholder’sfinancial, credit, consumptionandrepayment conditions, suspend the Debit Card function upon notice to the Cardholder, or lower the maximum amount of Debit Card purchases per day, or, upon notice or demand to the Cardholder, without suspending the Cardholder’s access to the inquiry, withdrawal and fund transferfunctions at ATMsusinghis/her/itsDebit Card, if:
(i) The Bank is unable to contact the Cardholder by giving notice to the address or the telephone numberas lastnotifiedby the Cardholder;
(ii) The balance in the Cardholder’s Designated Debit Account is inadequate for paying for the purchaseamountand fees forconsecutivetwomonths; or
(iii) The Cardholder is declared to be underguardianship or assistance.
Suspensionof useandlimitations. (a) When a Cardholderhas a dispute witha merchantover the quality, quantity or amount of the goods or servicespurchased, the Cardholder should seek to resolve the dispute with the merchant and may not use it as the basis to requestthe Bank to return the amountpurchased.
(b) If a Cardholder has any doubt concerning the transaction issues, the Cardholder should, within 60 days from the billing date of the current Monthly Statement (i.e. the last day of the period when Monthly Statement is printed), notify the Bank by providing reasons and the supporting documentation as requested by the Bank (such as a receipt or refund receipt), or ask the Bank to retrieve the receipt or the refund receipt from the acquirer, or ask the Bank to claim a chargeback against the acquirer or the merchant.
(c) The Bank will reply to the Cardholder about the handling status or progress within a certain period of time after the acceptance of such notice under Subparagraph (b) and deposit the debited amountback into the NTD Demand Deposit Accountdesignated by the Cardholder, so that the Cardholder may use such re-deposited amount without paying for the receipt retrieval fee, and then the Bank will claim damages against the merchant or acquirer applying for the reimbursement. However, in the event of an accurate debit as evidenced by the Bank’s investigation or failure to debit the account not attributable to the Bank’s fault, the Bank will contact the Cardholder and explain the investigation result to him/her/it. If such sum of money has been re-deposited into the Cardholder’s account, the Bank will debit such sum andchargethe Cardholderfor a receiptretrieval fee.
(d) A Cardholder who asks the Bank to retrieve a receipt or refund receipt from the acquirer shall pay a receipt retrieval fee of NTD50 (for a domestic transaction) or NTD100 (for a cross-border/foreign transaction). If, according to the investigation result, the Card is used by other person without authorization or the doubt about the transaction is not attributable to the Cardholder, such fee will be borne by the Bank. Such fee may be subject to change by the Bank, and prior to 60 days of such change taking effect, such change will be announced at the Bank’s business premises or website in a conspicuouswayornotifiedto Cardholdersinmonthlystatements.
