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O time with prior notice to the Cardholder(whether general, specific or by publication in the Bank s Schedule of Charges). 3. If the application for a Card is jointly signed by persons maintaining joint account on either or survivor basis, the said person shall be jointly and severally bound by these terms & conditions. 4. The Card shall be issued to individuals who maintain Current/Savings/Basic Banking Account in PAK Rupee on Individual/Sole proprietorship/Joint- Either or Survivor Basis wit.

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