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The Supplementary Cardholder must be of 18 years of age or over. The problem of the Supplementary Card shall be subject to such Terms and Conditions, which the Bank might deem necessary. The payment by the Cardholder of any sum to the Bank in respect of any Statement of Account shall constitute binding and conclusive proof of the acceptance by the Cardholder of the entries shown on that Statement of Account.

All transactions approved by the supplementary cardholder prior to the date the supplementary card is obtained by the Bank, are legitimate and treated 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 every month or at such other common intervals as deemed fit by the Bank. If the Cardholder doesn’t receive the Statement of Account for the actual Statement Period, s/he ought to notify the Bank within 7 days of the assertion date and request a copy of the Statement of Account for the Particular Statement period. Non-receipt of Statement of Account shall not be construed by the Cardholder to be adequate for non-payment of dues in time. The Bank cannot be held responsible for non-receipt of statement as a result of unforeseen circumstances and circumstances exterior the Bank’s control.

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 utilization of the ATM of the said financial institution or institution in which case advance might be further subject to the relevant day by day 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 certain circumstances, topic 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 conditions set out herein and/or as may be stipulated by BRAC Bank Limited every so often, as amended. “Cash Advance” means any quantity obtained by the use of the Card, the Card number or the PIN or in any method approved by the Cardholder from the Bank or any other bank or financial institution for debit to the Card Account. “Card” means the Credit Card issued by the BRAC Bank Limited on the idea of application made by the Cardholder underneath the name of VISA, MasterCard or JCB and also contains Primary, Supplementary/Additional and Replacement/Re-issued Cards.

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