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PERSONAL IDENTIFICATION NUMBER To enable the Cardholder to make use of the Card, a Personal Identification Number shall be issued to him/her. In the event the same is not obtained in a sealed envelope, the Cardholder shall contact a BRAC Bank department or the BRAC Bank 24-Hour Call Center. The PIN supplies entry to the Card Account and the Cardholder accepts the sole duty for use, confidentiality and protection of the PIN, as nicely as for all orders and data adjustments entered into the Card Account utilizing such PIN.

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All transactions approved by the supplementary cardholder prior to the date the supplementary card is received by the Bank, are valid and handled as binding upon the first cardholder and are the liability of the first cardholder. The Bank shall ship a Statement of Account to the Cardholder each month or at such other common intervals as deemed match by the Bank. If the Cardholder does not obtain the Statement of Account for the actual Statement Period, s/he ought to notify the Bank within 7 days of the statement date and request a replica of the Statement of Account for the Particular Statement interval. Non-receipt of Statement of Account shall not be construed by the Cardholder to be sufficient for non-payment of dues in time. The Bank cannot be held responsible for non-receipt of assertion due to unforeseen circumstances and circumstances outside the Bank’s control.

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