15. GENERAL

(a) a Card is not transferable and must not be used by any person other than by the Card Holder;

(b) a Card remains the property of the Bank and upon cancellation must be surrendered on demand to the Bank;

(c) an issued Card shall have a limited validity period, on expiry of which a new Card may be issued by the Bank at its sole and absolute discretion;

(d) the Card is neither a credit card nor a cheque guarantee card and the Card Holder shall not represent the Card as such;

(e) the Account may not be overdrawn by a Card Holder by effecting a Transaction;

(f) Cash or Cheques deposited in an ATM for credit to an Account shall be collected by the Bank and the proceeds shall not be available until the relevant funds have been received for value by the Bank;

(g) the execution of a Transaction shall be subject to any operating limitations mandated on the Account;

(h) the use of the Card is subject to the rules and regulations of the Shared Network Partners including VISA;

(i) the Card Holder hereby gives consent to the Bank to make inquiries regarding the verification of any information that has been provided by the Card holder in the Application Form; and

(j) the Bank may assign its rights and benefits at any time.