The following words shall have the meaning stated hereunder, unless “Cardholder” mean an Account Holder maintaining

ning an Account with the

the context otherwise requires:- Bank and to whom a Card is issued and shall also include every Supple-
mentary Cardholder. “Supplementary Cardholder” means person to whom
a Supplementary Card is issued by the Bank as per banks rules.
“Account” means any Rupee current or saving account which a
Cardholder opens and maintains with the Bank and through which Card
Transactions are carried out. “Account” shall mean more than one
current and/or saving accounts.

“Supplementary Card”- The Debit Card issued in the name of person other
than Primary Cardholder.

“ATM” or ”ATMs” means Automated Teller Machines installed and “Card Transaction” means a cash withdrawal or payment made by a
operated directly/ indirectly by the Bank in Pakistan and/or abroad Cardholder using the Card, and include without limitation and/or fees debited
and/or Automated Teller Machines of banks participating in the Linked by the Bank to affect a Card Transaction or in connection with a transaction
Network(s) and/or the Automated Teller Machines of bank financial and the term “Card Transaction” shall be constructed accordingly.
institutions in Pakistan and/or abroad where UnionPay, PayPak and
VISA are accepted.

“Linkage Accounts” means Accounts which are linked by the Bank to the
Card/I-net at the request of the Account Holder, for the purposes of the
Card Transactions or other Services.
“Card” means Debit Card issued by Bank to the Cardholder bearing the
UnionPay, PayPak (or any other) logo on the terms and conditions
contained herein. The term Card shall also include a Supplementary
Cardholder in accordance with the term hereof. “Linked Network” means the 1-Link/Mnet network, which honors the Card
and/or other network which the bank become a member of.

“Merchant Service/Retail Outlet(s)” means any service or retail outlet(s) of

merchant located in Pakistan or abroad which accept/honor the UnionPay,
“ASK CARD Classic” mean Classic Debit Card Powered by UnionPay, PayPak Debit Card.
PayPak

“PayPak” means PayPak Payment scheme Operated by 1Link Guarantee

“ASK CARD Gold” mean Gold Debit Card powered by VISA or PayPak. Limited.
“PIN” means the confidential Personal Identification Number allocated to the 5. A Card is only valid for the period shown on the face of Card. Upon the
Cardholder by the Bank or chosen by the Cardholder from time to time in expiry of the validity of the Card, the Cardholder must destroy the expired Card
relation to the Card and which enables the Cardholder to: withdraw cash from by cutting the same in half through the magnetic strip. Upon expiry, the Bank
the ATM’s: to carry out banking transactions through the ATM’s; make may at its sole discretion issue a new Card upon written request (or without
purchase without signing a sale receipt at Merchant Service/retail Outlet(s) any request at its sole discretion). Upon expiry of the card, Bank accepts no
having POS terminals that are equipment with PIN pad; and avail such other responsibility against any type of renewed card, as cardholder is responsible
Services offered by the Bank through the ATMs or otherwise; from time to time. to arrange & collect the renewed debit card in coordination with the bank.

6. A Card belongs to the Bank and accordingly, the Cardholder shall not use
the Card if the Bank or an authorized officer, employee, associate or agent of
“POS Terminals” mean point of sale electronic terminals at Merchant the Bank has, for any reason whatsoever, advised the Cardholder to stop
Services/Retail Outlet(s), enable the Cardholder to use the Card to access using the Card. The Bank or any authorized officer, employee, associate or
funds in the Account or Linkage Accounts maintained with the Bank to make agent of the Bank may instruct the Cardholder to handover the Cards(s) or
purchases. otherwise require the Cardholder to return the Card(s) to the Bank. The
Cardholder shall return the Card(s), immediately upon being so instructed.

“Services” means services availed by use of the Card as an ATM Card or as

a paying Card (Debit Card), Internet Banking Services and for any other
services that the Bank may at its sole discretion provide from time to time.

7. In the event of the Account or Linkage Account being closed or its/their

operations having being stopped or suspended for any reason the Bank by
the Cardholder and the validity of the Card(s) shall immediately be returned
“VISA” means VISA Payment scheme operated by VISA International Inc. to the bank by the Cardholder and the validity of the Card(s) would cease as
of the date closure, stoppage or suspension of the Account or Linkage
Accounts.
1. A Card will only be issued where a new account is opened or where there
is an existing account of an Account Holder.

2. The Bank shall have the right at its sole discretion to reject the
applicant’s request(s) for issuance of ASKCARD – Askari Visa/ UnionPay or
PayPak Debit Card with assigning any reason.
8. Internet Banking Facility is subject to the active debit card/ account with
the bank (as the case may be). If debit Card/ Account is deactivated due to
any reason, the internet banking facility shall also be deactivated. Bank is not
responsible for any type of loss or damage or inconvenience caused to the
customers, in this regard.
3. The card may be collected by the Cardholder in person from the bank’s
respective branch or may be sent to the Cardholder’s address available on
the record of the Bank. In the event of the Card being sent through courier,
the same shall be at the sole risk of the Cardholder. All renew and replaced
Cards thereafter may also be sent through courier to the Cardholder’s last
known address on record at the sole risk of the Cardholder.

USE OF CARD

9. The Bank may at its sole discretion allow the Cardholder to use the Card
for availing the following services.
4. In order to activate the Card, the Cardholder shall contact the Bank. The
Card will be activated after the Bank verifies the necessary particulars of the
Cardholder. However, bank reserves the right to cancel the debit card of
other services if same are not activated or remain unused within six (6) i. VISA/UnionPay as an ATM card for use on ATMs in Pakistan or abroad
months after issuance.

ii. VISA/UnionPay as a paying Card (Debit Card) for the payment of goods
and services at merchant service/ Retail Outlet(s) in Pakistan and abroad
wherever VISA/UnionPay is accepted.

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 misuse of the card due to disclosure of the PIN by the cardholder under any
circumstances. Since the card is useable at ATM’s through PIN only,
iii. PayPak as an ATM card for use on ATMs in Pakistan therefore, bank shall not be responsible for any misuse of the card at ATM’s,
under any circumstances.

iv. PayPak as a paying Card (Debit Card) for the payment of goods and
services at merchant service/ retail outlet(s) in Pakistan wherever PayPak is
accepted.

��

v. For any additional services that the Bank provide for its Cardholders from
time to time. 13. The Cardholder shall accept all Card Transactions including without
limitation, all debits made to the Account or Linkage Accounts, except after
notice of loss, theft, fraud, or pilferage where instructions to block or prevent
usage of the Card has been advised by the Cardholder to the bank in writing,
10. The Bank may at its sole discretion issue a supplementary Card to any
and such written notice has been duly acknowledge by the Bank subject to
joint accountholder which have authority to operate the account singly with
reasonable time required to entertain the request for blockage of the card/ser-
“either or survivor” operating instructions, upon such request. All supplementa-
vice. The time at which the bank received such instruction shall be
ry cards including renewals and replacement cards will be sent at last known
determined and certified by the bank and such determination shall be binding
address available on record of the bank at the sole risk of the Cardholder. The
and conclusive on the cardholder. The bank reserve the right at its sole
confirmation of the agreement by the cardholder to these Terms and
discretion to act on oral or electronic instructions subject to the same being
Conditions and acceptance of the card. If a card is issued to a supplementary
confirmed by written instruction as soon as reasonably possible so as to
card holder, the primary account holder shall also be equally responsible for
block or prevent any usage of the card. Notwithstanding the above, the risk
any/ all cards transaction, charges, liabilities, costs, expenses incurred or
and liability of any acts or omission of any Bank personnel in this regard
payable by the primary cardholder and/or the supplementary cardholder.
remains solely that of the cardholder.

11. The Card shall only be used by the holder of the card. The Cardholder
shall also not give the card to any third party and shall take all necessary
precautions and proper care to ensure that the Card is kept in a safe place
and is not mislead, lost or stolen. The Cardholder shall immediately notify the
Bank with written instructions to block and prevent usage of the Card, if the
card is lost, mislead or stolen or if it otherwise comes into the hands of any
14. A card transaction cannot (except as provided in these Terms &
third party. The time at which the Bank receives such instructions to block
Conditions) be cancelled by the Cardholder after it has been completed. The
and prevent usage of thecard will be determined and certified by the Bank
Cardholder shall retain charge slips/receipts of all Card Transactions which
and such determination shall be binding and conclusive one the Cardholder.
shall be submitted to the Bank as and when required in case of any dispute.
The Bank reserves the right, at its sole discretion, to act on oral or electronic
instruction subject to the same being confirmed by written instructions as
soon as reasonable possible, so as to block and prevent any usage of the
Card. Notwithstanding the above, the risk and liability of any acts or
omissions of any bank personnel in this regard remains solely that of the
cardholder.
15. The card holder agrees to pay and authorize the Bank to debit any
Account or linkage Accounts of the Cardholder with all debits, including,
charges, fees, levies or losses as may be due from the Cardholder to the
Bank from time to time howsoever arising as a result of the use of the card.

16. The Bank shall debit the amount of any Card Transaction from the
Account of Linkage Accounts, without any notice to the cardholder/ accoun-
tholder as soon as the Bank receives notification from the Merchant
Service/retail Outlet(s) or whenever deemed suitable by the bank (if any
transaction could not be debited due to any reason). The bank shall not be
liable for any loss resulting from any delay in debiting the amount of any
card transactions. The cardholder’s obligation to reimburse to the bank any
12. The security of the PIN is the sole responsibility of the cardholder. The amount due or becoming due from the Cardholder for all Card Transaction
cardholder should not disclose the password/PIN to any person. The continues even after closing of the Account or Linkage Accounts.
cardholder should not write the PIN on the card or any other space easily
accessible to other persons. The Bank shall not be responsible for any

4
 23. If cardholder has any complaint(s) or dispute with the Merchant
Service/ Retail Outlet(s), the matter should be resolved by the Cardholder
17. If a Merchant Service/Retail Outlet(s) makes a refund or reversal for a with the Merchant Service/ Retail Outlet(s) and the Bank will be under no
Card Transaction, the Bank will credit the relevant Account after it receives obligation or bear any responsibility whatsoever in connection with such
the Merchant service/ Retail Outlet(s) proper instructions and the funds in complaint or dispute.
respect of such refund or reversal. The Bank will not be responsible for any
delay in receiving such instructions and refund from any Merchant
Service/Retails Outlet(s).

24. The Cardholder shall be liable for the payment of all types of other bank
charges, taxes, levies, duties or expenses that may be attracted in relation
to the issuance and use the Card.

18. The Cardholder should ensure that sufficient credit balance is available
in the Account or Linkage Accounts to which the Card relates, before using
the Card.

Liability and Indemnity

19. The Bank shall not be liable for any loss or damage resulting from any
25. The Bank shall not be responsible or liable for any loss suffered as a
misuse of the Card and/or from the refusal of any Merchant’s Service/retail
result of the Bank deemed prevented from or delayed in providing services
Outlet(s) or ATMs to accept the Card.
in relation to the Card or any Services.

20. Any amount stated on the screens of ATMs or on the printed transaction 26. The bank Shall not be responsible or liable for any loss or damage
record/ charge slip shall not for any purpose whatsoever, be taken as conclu- arising directly from any Malfunction of the card or ATMs or POS terminal, or
sive as to the status of the Cardholder’s Account with Bank, All Transactions for any technical or non technical defect or breakdown of the ATMs and / or
shall be deemed as conclusive by the Statement of Account issued by the any part thereof or the temporary or prolong non-availability of any services
Bank from time to time and otherwise by the records of the Bank. or in respect of the card, ATMs or POS terminal for any reason whatsoever,
including without limitation due to any dispute of whatsoever nature.

21. The Cardholder further undertakes to accept full responsibility for any
and all Card Transactions made by the use of the Card whether made with 27. The Bank shall not be responsible or liable for any loss suffered as a
or without the personal knowledge or authority of consent of the cardholder result of the bank being prevented from or delayed in providing any service
and the cardholder shall accept the Bank’s record of Card Transactions pertaining to the card or any other Services including due to strike, acts of
generated electronically or otherwise, as conclusive and binding for all war, failure or power supplies or equipment or any other cause beyond the
purposes. Bank’s reasonable control.

��

28. The Cardholder hereby agrees to indemnify and keep the Bank indemni-
22. The Bank reserves the rights without prior notice at any time or from fied from and against all actions, claims, demands, proceedings losses,
time to time to reduce or increase total cash allowed to be withdrawn by any actual damages, personal inquiry, cost, charges and expenses whatsoever
cardholder from the ATMs during any period. The bank also reserves the which the Bank may at any time incur, sustain, suffer as a consequence of
right to change the limits of the card transactions carried out though POS providing the cardholder the facility of the card or by any reason of the bank
Terminals without any prior notice to the cardholder. Daily minimum/ acting in good faith and taking or refusing to take any action on the cardhold-
maximum transaction limits may vary between different ATMs belonging to er’s instructions or otherwise by providing the Service or if the PIN / Card is
different banks or a Linked Network. The bank is not responsible for any lost, misused/ mislaid or stolen in the event of a breach of these Terms and
loss or inconvenience that the card holder may suffer due to lack of uniformi- Conditions by the Cardholder.
ty in these limits, for transaction through different ATMs or a Linked
Network.

5
 administrators, personal representative and/or heirs of the diseased shall be
personally liable for the accruing liabilities resulting from the use of the Card
and Services.

29. Cardholder agrees and authorize the bank to deduct any type of bank ��
charges / fees(due on the customer for the use of service), without prior �
notices to the account holder/cardholder. �� �� ���

Death/ Disability of the Cardholder

30. The Bank is not liable in any way to the quality, quantity, sufficiency or
acceptability of any goods or services purchases by the use of the card by the
cardholder or for any additional amount charged by a Merchant Service/Retail
Outlet(s) or for any breach of card Transaction by a Merchant Service/retails 34. In case of any incident resulted in death or disablement of the Card
Outlet(s). In any such event or in the event of a dispute between the cardhold- Holder the customer or his/her representative shall intimate the same to the
er and a merchant Service/ Retail Outlet(s) cardholder’s liability to the bank bank on immediate basis or at maximum within 07 days of the
shall in no way be affected or suspended. incident/death, as the case may be. Furthermore the related information
shall also be provided, as and when required by the bank, to lodge the
takaful claim with the takaful provider accordingly. Any notice or instruction
to be given by the Cardholder to the Bank under these Terms and
Conditions shall be given in writing and delivered personally or sent by the
registered post or courier and shall take affect after the Bank’s actual receipt
of such notice.

Extension or Suspension of services

31. The bank may, at its discretion, make available to the cardholder more
services on the card. ATMS. POS Terminal, Internet Banking services, Call
Centre / Phone Banking services and/or the Linked Network for Cardholder
convenience and use. All fees and charges related to same shall be, as
determined by the bank from time to time with prior notice to the cardholder.
The bank may be entitled to withdraw discontinue, cancel, suspend or Termination
terminate the facility to use the card and/or any other services within or
outside the Pakistan and shall not be liable to the cardholder for any loss or
any damage suffered from the such suspension or termination. The Cardholder may discontinue the use of the Card and the Services at
any time by giving a written notice to the bank accompanied by the return of
all cards cut into two diagonally. The Cardholder shall be liable for all
charges incurred up to the date of receipt by the Bank of the written notice
along with the cut up cards and duly acknowledged by the bank.

Disclosures

32. If there is any claim or dispute arising from the use or the purported use,
loss or misuse of the card, the bank may disclose to parties who are party to
the Card Transactions arising there form the competent authorities, any informa-
tion regarding the account and the linked accounts that the bank deems
necessary in its sole opinion for the purpose of investigating a claim or dispute
or for the purpose of recovering any amount outstanding through the services
of debt collecting agencies.

Death of Cardholder

33. In the event of death of the Cardholder, all card Transactions already
affected will be debited to the account, All Cards shall stand cancelled on
receipt of notice of the death of Cardholder whether written of oral. The

6
CUSTOMER ACKNOWLEDGEMENT & DECLARATION

I/We confirm having received, read and understood the Rules/Terms and Conditions relating to establishment and
conduct of the ATM/Debit Card and agree to observe and be bound by them and any changes, supplements or modifi-
cations thereto that may be made by the bank from time to time and have signed in agreement of the above mentioned
Rules/ Terms & Conditions.

‫�رڈ‬

Account Number /

Title of A/C /

Copy Received and Accepted Copy Received and Accepted Copy Received and Accepted Copy Received and Accepted
Signature of Account Holder Signature of Account Holder Signature of Account Holder Signature of Account Holder