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“Schedule of Charges” means the list of costs relevant for the companies provided on the Card. These expenses are subject to changes on the sole discretion of BRAC Bank Limited. However, such changes in costs may be made solely with prospective impact giving prior discover of 30 days to the Cardholder. “Electronic Banking Terminal” means any authorized terminal or device by which Card and/or PIN can be utilized. This consists of ATM, Point of Sale terminal or e-Commerce through which Card transactions could be performed or another licensed terminal or device linked to BRAC Bank electronic banking system once in a while.

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