FEES AND INTEREST RATE. The Cardholder unconditionally and irrevocably agrees on regulations of the Bank on fees, interest rate and the Bank has full right to debit the Account or any account of the Cardholder opened at the Bank without notifications, requests to, confirmation and consent of the Cardholder, to collect fees and interest rate, including the following fees and interest rate:
1. Interest rate: shall be the one specified in Article 11 of these Terms and Conditions.
2. Card issuance fee: the initial fee charged when the Customer applies for Card issuance and gets approval from the Bank.
3. Annual fee: the annual fee for Card maintenance.
4. Cash withdrawal fee: the fee immediately charged on debited amount of Cash withdrawal transactions when such transactions are made. This fee excludes fees collected at Merchants or ATMs of other banks.
5. Fee for handling of cash withdrawal transactions at other banks: is charged on debited amount of Cash withdrawal transactions when the Cardholder withdraws cash at other banks.
6. Over-limit fee: is charged on amount due in excess of credit limit at a fixed rate or fee as specified in fee schedules issued by the Bank from time to time.
7. Late payment fee: is the fee collected when the Cardholder fails to pays amount due or pays amount due less than Minimum amount due on due date or pays amount due against schedule.
8. Card replacement fee: is charged when the Cardholder requests Card replacement before the Card's expiry date.
9. Lost card fee: is charged when the Card is lost/stolen and the Cardholder notifies the Bank to block the Card under these Terms and Conditions.
10. Mail, telephone and Internet order fee: is charged when the Cardholder orders goods, services with confirmation of the Bank when card transactions are made.
11. Credit limit change fee: is charged when the Cardholder requests to increase or decrease of credit limit with consent of the Bank.
