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Use of the Card at any ATM of the Bank or any other bank or establishment with whom the Bank has an Agreement for the use of the ATM of the mentioned financial institution or institution by which case advance might be additional subject to the applicable daily withdrawal restrict of the ATM. BRAC Bank Limited reserves the absolute discretion and liberty to decline or honor the authorization requests on the Card without assigning any reason. In sure circumstances, subject to its sole discretion, BRAC Bank Limited might require the Cardholder to contact the Bank’s 24-hour Call Center to authenticate the transaction earlier than approving it and charging it to the Card Account. «Terms and Conditions» means the terms and situations set out herein and/or as may be stipulated by BRAC Bank Limited every so often, as amended. «Cash Advance» means any amount obtained by means of the Card, the Card number or the PIN or in any method approved by the Cardholder from the Bank or another financial institution or financial institution for debit to the Card Account. «Card» means the Credit Card issued by the BRAC Bank Limited on the basis of application made by the Cardholder underneath the name of VISA, MasterCard or JCB and also includes Primary, Supplementary/Additional and Replacement/Re-issued Cards.

A cheque deposit shall be acceptable for assortment and the proceeds shall not be available until the cheque has been cleared and the proceeds paid to the Bank. Any cash deposits might solely be regarded as having been obtained by the Bank upon crediting the identical to the Card Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual charge as prescribed by the Bank for the cardboard and an annual charge prescribed by the Bank for every Supplementary Card.

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Installment tenure might differ from 3 to 36 months. In the occasion that the cardholder recovers the misplaced or stolen card, he/she shall instantly return the identical minimize in halves to the Bank without utilizing it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the identical to some other party. BRAC Bank shall provide Statement via email except the Cardholder explicitly informs the Bank that s/he wants hardcopy statement.

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