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“Schedule of Charges” means the record of expenses relevant for the providers provided on the Card. These charges are topic to adjustments on the sole discretion of BRAC Bank Limited. However, such changes in expenses may be made solely with potential effect giving prior notice of 30 days to the Cardholder. “Electronic Banking Terminal” means any authorized terminal or gadget by which Card and/or PIN can be used. This contains ATM, Point of Sale terminal or e-Commerce by way of which Card transactions could be carried out or another authorized terminal or system related to BRAC Bank electronic banking system once in a while.

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