HUMO CO-BADGE CARD

To open a card in KDB Bank Uzbekistan following actions are needed to be done:

1. Application for opening Card
2. Original identity document
3. The agreement between the bank and the individual

Terms of use bank cards HUMO and UZCARD

1. A bank card is intended for payment for goods, works or services in trade and service sphere, for cash withdrawal from ATMs and cash desks of banks and for the performance of other operations stipulated by the Terms of the payment system and the Legislation of the Republic of Uzbekistan.

2. The Special Card Account (SCA), opened by the Bank, is used to record transactions using the Bank Card and is not related to business activities or private practice established by the legislation of the Republic of Uzbekistan.

3. The Holder has the right to address in the Bank with the Application for registration of the Additional card on behalf of another person. The Additional Cardholder has the right to perform operations specified in Clause 1 of these Rules but has no right to dispose of the SCA.

4. The bank card is the property of the Bank. Upon expiry of the validity period of the Card indicated on the front side of the Card, the Client shall submit the Card to the Bank for subsequent re-issue of the Card or closing upon the Client's Application.

5. The Cardholder shall not transfer the Card and disclose his/her PIN to third parties. The Holder should keep the Card in a safe place, excluding damage and unauthorized use by third parties, keep the PIN-code in secret; do not write it down on the card or other paper carrier, stored together with the card.

6. The Client bears all risks and material responsibility for transactions made with the Bank's card until the Bank receives the notification of card loss.

7. Upon discovery of a card previously declared as lost, the Client shall immediately inform the Bank and return the card.

8. The Client must retain all documents related to Bank Card transactions and submit them upon request of the Bank to substantiate the legality of receipt and spending of funds. These documents may also be useful in the resolution of various issues with other control authorities; for example, a cheque may serve as evidence of the legality of receipt of funds and their expenditure.

9. In case of acquisition of goods and services, and also the reception of cash resources with the use of the Bank card, the Holder of a card instructs the Bank to write off the corresponding sums from SCA in a non-acceptance order.

10. When using the card in trade or service companies, the Client is obliged to observe the following rules:

• to ensure that the card does not disappear out of sight when the operation is performed;
• not to tell the PIN code of the card to the cashier;
• check the correctness of the date and amount of the transaction indicated on the trading receipt;
• keep the trading receipt and other payment documents and present them to the Bank at its request.

11. When using the Card at an ATM, the Client must comply with the following rules:

• to use ATMs installed in the Bank's branches, in government institutions, shopping malls, hotels, airports, i.e. in places with increased security control.
• to be maximum prudent when using an ATM installed on the street. It is necessary to make sure that the ATM is not equipped with non-standard equipment (e.g. overlay on the card reader, overlay keyboard, hidden video cameras). Do not conduct any ATM transactions if people standing next to you are suspicious.
• to provide a secure, inaccessible to others, the process of PIN-code dialing on the keyboard of the ATM.

12.  For the security purposes of Card transactions, the Client may set the following Card transaction limits on the Application:

• residual limit on SCA;
• daily expenditure limit;
• daily cash withdrawal limit.

13.  It is recommended that the Client activates the SMS notification service to control the balance of the Bank Card and to record each SCA transaction.

14.  The Client bears all risks and material responsibility for transactions made with the Bank Card details: via Internet shops, mobile payment systems, and services; if the Bank Card details became available to third parties as a result of careless handling or loss of mobile devices.

15.  In case of early cancellation of the Bank Card and closure of the SCA, the Client must return to the Bank all received Cards, including issued additional Cards.

16.  The Bank shall not be liable for situations beyond its control and related to failures in the operation of external devices, settlement systems, data processing, and transmission.

17.  The Bank shall not be liable if the Card has not been accepted for payment by a third party.

18.  The Bank is not responsible if restrictions of other banks, as well as limits on the amount of cash withdrawal from ATMs set by them, may affect to some extent the interests of the Client.

19.  The Bank does not refund in cash the value of the goods purchased by the Cardholder and then returned to the seller. The refund can be made only by cashless transfer of funds to the Card Account by the seller of the goods.

20.  The Bank is entitled to change the Tariffs and Regulations.

22.  The Holder unconditionally compensates the Bank for the damage caused by the default of the present Terms.

23.  Return of balance from the Client's SCA is performed in case of absence of debts of the Client to the Bank on transactions and/or commissions, in terms, established by legislation.