Form ID: -

Card Type
Corporate Business Individual
(GST Invoice is applicable)

Gold Gold Gold

Platinum Platinum Platinum

Basic Information
Name*:
NTN Number: - CNIC/Sales Tax Number*:

Gender*: Male Female ` Mother’s Maiden Name (as per NADRA record):________________________________

Date Of Birth*: D D / M M / Y Y Y Y

Occupation/Industry/Sector: _________________________________________________________________________________________

Contact Information
Residence Address*:_____________________________________________________________________________________________________

City*:______________________________ Province*:__________________________ Postal Code:

Mobile No*: 0 3 - Landline Email:___________________________________

Office Address:_____________________________________________________________________________________________________

City:______________________________ Province:__________________________ Postal Code:

Office Mobile No: 0 3 - Mobile No(2): 0 3 - Landline:

Email:____________________________________________________ Fax:

Mailing Preference*: Residence Office Email

Authorized Person Detail Name: _______________________________________ Position: __________________________

Mobile No: 0 3 - Landline:_________________________ Email:_________________________________________

Card Features & Services

I want to subscribe SMS Alerts: Please select the frequency of alerts (Select One): Day-End Transaction-wise Weekly Monthly
Schedule Charges plus taxes will be applicable

I want to get Courier Billing: : Yes No

Schedule Charges plus taxes will be applicable

I want to subscribe Online Portal Access: Yes No Customized Portal ______________________________________________

Schedule Charges plus taxes will be applicable

I want to subscribe NFR Products (Non-Retail Fuel Products e.g. Lubricant, Tuck Shop, Tyre Shop & Lube Xpert): Yes No
Schedule Charges plus taxes will be applicable

NAME:______________________________ Sign and/or Stamp:_______________________ Date:__________________

Terms and conditions applied. 1

The following Terms and Conditions (“Terms and Conditions”) shall govern the application for and use of Cards (defined below) by the Client and Cardholder:
1. DEFINITIONS
1.1 APL means Attock Petroleum Limited
1.2 ASFC means Attock Smart Fill Card(s)
1.3 ASFCS (Attock Smart Fuel Card Section) means the section or department within APL that deals and manage all fuel cards related issues, having its head office at 7 th Floor, Attock House, Morgah,
Rawalpindi, Pakistan.
1.4 Client means the company, organization or customer named in the application form that has applied for and is principally responsible for the Card(s) and in whose name the account exists.
1.5 Authorized Signatory means employee of the Client who is authorized on the Client’s behalf to sign the application/requests and do all the correspondence.
1.6 Card(s) means as appropriate either or both the APL fleet card (ASFC) and APL Corporate Cards (ACC). Reference to cards shall mean and include reference to Primary and supplementary cards in
context.
1.7 Cardholder (s) means the individual(s) nominated by the Client to receive and utilize the card. The Client shall be responsible for all the acts and omission of the Cardholder.
1.8 Dealer(s)/APL Filling Stations or outlet means designated APL retail outlets for processing the ASFC and PCC transactions including the award and redemption of loyalty points (if any) through ASFC
and ACC.
1.9 Late Payment Surcharge means a late payment surcharge of 2% per month that will be payable by the Client to APL applicable on the amount that is not paid by the due date specified in the State-
ment of Account.
1.10 Services Charges means charges against additional value added services (e.g. SMS alerts, Email alerts etc.) if/may activated by the customer will be paid by the customer and these charges will be
mentioned in the station of account.
1.11 APL Customer Care Help Line means facility that handles all complaints and queries regarding Card(s) issue. APL can be contacted via 24/7 helpline 111-ATTOCK (021-111-288-625)
1.12 Statement of Account means APL monthly or other periodic (consolidated) Statement of Accounts pertaining to all cards, sent to Client including the amount payable by the Client to APL and details
of transition carried out in a specific month or period.
1.13 Due Date means the date by which payment to APL through cheque, pay order or demand draft should be cleared into APL’s bank account.
2. CARDS
2.1 The Card(s) can only be used for the purchase of all APL’s retail products (e.g. Petrol, Diesel, Hi-Octane, Diesel, CNG, Lubricants etc.) at designated APL outlet participating in the APL fleet and corpo-
rate card programme.
2.2 Each ASFC is issued for a specific vehicle owned by the Client (subject to the instruction of Client) and will only be used by the person authorized by the Client and will only be issued by the person
authorized by the Client for filling the vehicle whose registration number appears on the appropriate card. Upon the sale, loss, theft and/or transfer of the vehicle from the possession of the
Client, the Client will immediately notify APL in writing and call the APL Help Line to block the card and return the card cut in two pieces to ASFCS.
2.3 The ASFC will be issued for use by a specific employee of the Client (whose name will appear on the card) and is not transferable. In the event that the employee leaves the Client’ employment, the
Client shall immediately notify APL in writing and send the card back to APL cut in two pieces.
2.4 Renewal Card(s) are automatically issued and dispatched to Client prior to expiry in case when the card is in active status only.
2.5 It is important that each Client provides APL with accurate information. The Authorized Signatory and the Client are responsible for accuracy of the information provided and are liable for the conse-
quences n case of false, misleading or inaccurate information. If in case of misleading or inaccurate information, APL may record this with a fraud prevention or law enforcing agency. APL
reserves the right to take up bank references and carry out credit check at any time.
2.6 Each Client shall be given a monthly limit (“Credit Limit”) while each card(s) shall be given a monthly or yearly limit (“Credit Limit”) for an amount always within the credit limit. The card limit of an
account shall be decided by APL while the card limit shall be set in accordance with specific request by the Client, which will be notified to the Client in the Statement of Account. The Client
and/or the Cardholder agree that APL may reduce or increase the card limit of any card subject to the demand made by the Client. APL shall notify the Client in the Statement of Account
about any such increase or decrease in the card limit. APL also retains the rights to increase or decrease the Client’s credit limit in its sole discretion without assigning any reason and will notify
the Client in Statement of Account. The Client is also required to submit its latest annual audited financial statement/copy of approved POL budget in the first quarter of subsequent fiscal year
for credit evaluation throughout the use of the cards by the Client/Cardholder. APL shall use the OGRA notified maximum ex-depot price (released fortnightly) for the purpose of calculation of
credit limit and/or card limit under these Terms and Conditions.
2.7 APL reserves the right to accept or reject the Client’s application for a card without having to assign any reason whatsoever.
2.8 The card issued shall ordinarily be delivered to the Client and/or Cardholder at the Client’s mailing address mentioned in the Client’s application form within 2-3 weeks of written acceptance of the
Client’s application form by APL.
2.9 The card issuance for the first time is free of cost (APL has all rights to change it without any notice) and renewal of card is subject to renewal fee of Rs. 100 per card (APL has all rights to change it
without any prior notice); amount charged will be mentioned in the account statement of Client.
2.10 The card is valid for two years from the date of issuance. The card will automatically be renewed unless given in writing about the cancellation of the card by the Client. The validity of the card is
subject to change. The use of the cards shall at all times be governed by these Terms and Conditions.
2.11 The Client and/or Cardholder is responsible at all the times to ensure and to verify his/her card before leaving APL’s Retail outlet after the use of the card. Its retail outlet and/or its staff shall not be
responsible in any event should the Cardholder /Client be in possession of a card not in their name or not belonging to them. The Client/Cardholder shall remain liable at the all times for
payment of all charges, liabilities and purchases on the card until written notification of loss is received by APL at ASFCS.
2.12 On receipt of the card, the Cardholder shall immediately sign on the signature space provided on the reverse of the card and retention or use of the card by Client/Cardholder, shall be deemed as
confirmation of the Cardholder’s agreement to these Terms and Conditions.
2.13 It is mandatory for the Clients to opt for card(s) to have Daily Limits, Transaction Frequency, and Retail Outlet Restriction and per Transaction Limits. In case the card(s) is not restricted by the Client on
the above mention options, APL would not liable for any misuse on these card(s) and whatever billing is established by APL, the same will be paid in its normal course of transaction, without
raising any objection, reference, dispute and or any issue whatsoever. If APL suspects fraud on the Cardholder’s card it may cancel the card and may send the replacement card to the
Cardholder and/or supplementary Cardholder upon the request from the Client.
APL is authorized to take the following actions on unused cards:
 Permanently “Closed” any card that has not been activated within two (02) months from the date of issuance.
 Permanently “Closed” any card that is active and has not been used within four (04) months of activation.
 A card should be marked as “Lost” that has not been activated within 4 working days (96 hours) of temporary inactivation. In such case, no “Re-Activation” request would be entertained and a
“Replacement” request would be required.
 Lost cards would be marked “Closed” after 3 months of marking lost.
Lost Cards
2.14 The Client and/or Cardholder shall keep that card(s) under their safe custody at all times and shall not let the card(s) be used by any person not authorized to do so. If any card(s) is misplaced, stolen,
damaged or lost including constructive theft as a result of any person in possession of a Card having ceased to be an Authorized User through termination of employment or otherwise, the
Client and Cardholder shall immediately call ASFCS and report the same, in order to temporarily block the card. To reactivate the card(s) the Client shall intimate ASFCS in writing within 96
hours of above mentioned report. Failure in compliance would result in card(s) being marked as LOST.
2.15 Any liability arising on account of a Card’s lost, fraud, misuse or otherwise, would render the Client and/or the Cardholder liable for all the losses and they will remain responsible for payment of all
amounts owing including but not limited to charges, liabilities and purchases on the card until written/verbal notification of loss is received by APL at the ASFCS.
2.16 The Client agrees that APL has the right to recover all charges due on transaction made on the card(s), however, the Client is not liable for transaction made subsequent to the reporting of loss and
theft to APL as specified in Condition 2.12 above on the condition that such loss or theft is not due to the negligence or default of the Client and/or the Cardholder.
2.17 The Client and Cardholder shall immediately return any lost or stolen card subsequently recovered by the Cardholder /Client, cut into two pieces and return to ASFCS without any further use.
Termination of Cards
2.18 The card(s) is and will at all times remain the property of APL, which reserves the right at any time, without assigning any reason, to recall and cancel any card(s) or to withdraw the APL Fleet and/or
corporate cards programme with or without prior notice. The Client and/or the Cardholder shall immediately after such recall and

__________________________
Authorized Signatory*
CNIC No.* - -

Terms and conditions applied. 2

 Form ID: -

Card Details (to be printed/embossed on card)

Embossed features (please tick)*: Name Vehicle No.
Name to appear on card (Maximum 24 characters)*:

Vehicle No.*:
Card Limit Information

How would you like to set your Attock Smart Fuel Card Limits? Quantity Amount

VEHICLE & LIMIT DETAILS*:

Ownership*: Pool Company Provided Self:

VRN*:________________ City of Registration*:_________________ Make*:__________________ Fuel Tank Cap*:_____Liters

Please fill the below table in accordance with your selection for the above question; (that is, setting limits in either Amount or Quantity)

(For additional vehicles , please use Continuation Sheet A)

Single Limit Products

Requirement APL Remarks
(All Products) Petrol Diesel HOBC Lube
Yearly
Monthly
Weekly
Daily
Per Trans limit

GEOGRAPHICAL LIMITATION REQUIREMENTS*: Yes No

(By default, your card will be acceptable at all retail outlets of Attock Petroleum Limited)

Please Specify your requirements.

__________________ ______________________ ____________________ ___________________

__________________ ______________________ ____________________ ___________________

__________________ ______________________ ____________________ ___________________

__________________ ______________________ ____________________ ___________________

For list of retail outlets please visit www.apl.com.pk

NAME:______________________________ Sign and/or Stamp:_______________________ Date:__________________

Terms and conditions applied. 3

cancellation, return such card(s) cut into two pieces to APL and make full payment of all charges and liabilities and all other costs and expenses in relation thereto in accordance with the aforemen-
tioned Statement of Accounts.
2.19 The Client may at any time terminate the use of card(s), as the case may be, by giving sixty (60) days prior written notice to the APL with assigning any reason whatsoever and returning the rele-
vant card(s) cut into two pieces to APL. In such cases, the Client shall remain liable to the APL of all charges, liabilities and all other costs and expenses incurred in relation thereto, except for
the charges and liabilities incurred on the card(s) after the receipt of notice thereof by APL.
2.20 If the use of all the card(S) is terminated under Condition 2.16 or Clause 2.17 above, all charges ad liabilities relating to such card(s) shall become immediately due and payable to APL by the
Client.
Supplementary Card
2.21 Any credit revision (increase/decrease) on a primary corporate card will affect the credit limit of the supplementary cards.
2.22 If a primary APL corporate card is blocked/closed for any reason, all the linked cards will also be blocked/closed.
2.23 Primary Corporate Cardholder is liable to settle the bill payment for all the transaction done on its linked cards.
2.24 If a supplementary card is lost or misplaced, the same procedure is to be followed as that if the primary APL card.
2.25 All Supplementary cards are automatically linked to the primary cards reward or points, therefore no points or rewards will be awarded on any supplementary card.
2.26 The desired credit limit for the supplementary cards cannot be more than the credit limit of the primary card.
2.27 All the Terms and Conditions of primary card are applicable on the supplementary card(s).
3. MEMBERSHIP FEE
The Client is liable to pay the membership fees per card (for additional, supplementary or replacement card), as set out in the monthly Statement of Accounts.
4. PAYMENTS
4.1 The Client will be liable for payment of all charges, liabilities, cost and expenses for transaction on the card(s). The records of APL for all such transaction shall be conclusive and binding upon the
client and the cardholder for all purpose.
4.2 If the client does not receive or APL is unable to send a Statement of Account for any reason, the obligation of the client under these Terms and Conditions shall not cease and the client shall be
responsible to call APL Help Line for issuance/re-issuance of his/her bill. All applicable charges and liabilities and other costs and expenses payable under these Terms and Conditions shall
continue to accrue and the client will remain liable to pay the amount specified is the Statement of Accounts by the due date specified therein. In the event of non-receipt of the State-
ment of Account by the 5th day of the following month, the client will promptly intimate ASFCS.
4.3 The Client agrees that it is liable to pay service charges or/and value added service charges (if/may any), which will be set out in monthly Statement of Account. The service charges or/and value
added service charges is payable in the Statement of Accounts or as intimated by APL.
4.4 The client may effect payment if the amount(s) payable by it to APL by sending through courier to the designated address mentioned on the self-addressed envelope enclosed with monthly State-
ment of Accounts, a cheque, pay order or demand draft. If a cheque, pay order or demand draft is sent, it must be received by the designated bank at least 4 working days (for same city)
and at least 7 working days (for other cities) prior to the due date specified for the payment in the Statement of Account or as intimated by APL.
4.5 The due date of the monthly bills would be the same as stated on the monthly Statement of Account.
4.6 Customer are advised to clearly mention their APL customer account number at the reverse of the payment instrument (cheque, pay order or demand draft). In case of payment of multiple ac-
counts through same payment instrument, all accounts numbers should be mentioned at the reverse of the payment instrument with respective amounts.
4.7 If incorrect or no Account number is mentioned on the reverse of the payment instrument and payment is not realized by APL by the due date then customer will be held liable for non-payment.
4.8 Subject to any limit imposed by the statute, all amount due in respect of the card(s) will immediately be paid in full on the commission of an act of bankruptcy or by or on the client at APL’s discre-
tion if there is any breach in Terms and Conditions by the Client/Cardholder or if the card is terminated either by APL or the Client.
4.9 APL’s right against the Client and/or the Cardholder shall not be limited to, affected or prejudiced by the death, bankruptcy or insanity of the Client and/or the Cardholder and the Client. Upon the
occurrence of any of the foregoing events stated in this clause, all Cards shall be liable to be immediately returned to ASFCS, all cards cut into two pieces and make all payments as re-
quired by APL.
4.10 The Client agrees to reimburse APL or make payments of any stamp duties and/or excise or other similar taxes or levies payable in connection with the use of Card.
4.11 APL may charge the Client (which will spear in the following month’s Statement of Account) Rs 500/- or such other sum as APL may determine from time to time, if the cheque or pay order is not
honored by the Bank. Additionally, in the event of the Client’s cheque being dishonored or returned for any reason. Whatsoever, APL reserves the right to recover the total amount.
4.12 If the full balance that is outstanding is paid and credited to APL on or before the due date indicated on the Statement of Account. No Late Payment surcharges will be applicable and the client
will only have to pay the service charges or/and value added services charges (if/may any). However, if the client fails to pay up the amount by the due date, then a late payment sur-
charge of 2% per month is payable on the unpaid amount and will be calculated from the due date. The late payment surcharges will be payable and accrued every month until the
outstanding dues are cleared.
4.13 APL reserves the right to terminate the card(s) with or without notice as well as the other card(s) issued to the client. If the payment history of the Customer will financial/credit rating institutions, the
foregoing rights being cumulative and not mutually exclusive. If at any time, the client is unable to clear the outstanding dues by the due date then APL reserves the right to block the
account with or without intimating the customer.
4.14 If at any time, the client is unable to clear the outstanding dues by the due date then APL reverse the right to block the account with or without intimating the customer.
5. DISPUTES
5.1 Disputed transaction should be immediately notified and claimed by the Client/Cardholder to ASFCS through written application or email. If a Client/Cardholder disputes a transaction after 14 days
from the receipt of Statement of Account, it will not be reversed and shall remain an outstanding amount against the customer.
5.2 The customers shall not deduct any transaction amount from the billed amount. Any such deduction would create further liability against the customer account in the form of late payment sur-
charges.
5.3 In the event that a Dispute arises, the parties shall attempt a good faith to settle such dispute by mutual discussion within Twenty (20) days after the date that the disputing party gives written notice
of dispute to the non-disputing party. During such mutual discussion and any resolution instituted pursuant to this clause 5 (Disputes), the parties shall faithfully continue to perform their
respective obligation under this agreement.
Arbitration of Disputes
a) The event that the parties are unable to resolve any dispute pursuant to Clause 5.3 then the parties agrees that the dispute shall be settled by arbitration conducted in accordance with the
Arbitration Act, 1940. Each party shall appoint one arbitrator each and the arbitrators shall, prior to entering upon the reference, jointly appoint an umpire, who shall be a retired judge of the high
court. The venue of the arbitration shall be Pakistan, Islamabad.
b) Any arbitral award or procedural order under this Article 5.3 shall be final and binding upon the parties and shall be the sole and exclusive remedy between the parties regarding all disputes,
and each party undertakes to comply with and to carry out any such arbitral award or procedural order, fully and without delay.
c) Arbitration shall be conducted in English Language.
d) Each party shall be responsible and shall bear its own cost, fees, expenses incurred is dispute resolution.
6. SECURITY DEPOSIT
If a Client has deposited with APL an amount as Security Deposit, it shall remain with APL as Security Deposit for the due performance of the Client of its payment obligations hereunder. No mark up,
return or interest whatsoever on the security deposit shall be paid to Client by APL. APL may draw the security deposit at any time during the life of this agreement, and may deduct any
amount due from the client to APL from the Security Deposit. In any event APL deducts any sum from security deposit, it shall notify the Client. The Client upon notification thereof by APL
shall immediately pay to APL such sum as is necessary to bring the amount of the deposit up to the sum identified in the application form of the client.
7. CONFIDENTIALITY
The Client and/or the Cardholder permits APL to use the information contained in the application form for the issuance of card database related activities for which APL will ensure strict confidentiality
and also agrees to permit APL to divulge certain information to MAK GLOBAL PAYMENT SOLUTIONS (Providing Fuel Card Management Solution to APL) and its representative for the pro-
cessing and storing of cards transaction only. APL, its personnel, agents or any other persona acting on its behalf shall hold in confidence and complete confidentiality any and all infor-
mation, whether in document form or oral, relating to the clients, its business, any of its employee(s) or project of any nature that APL, its personnel, agent or any person acting on its behalf
may come across in the course of provision of services or which otherwise comes into their knowledge, including these Terms and Conditions. The requirement of the said confidentiality shall
not apply in case of requirement of disclosure by law or by any competent authority or where such information is already in knowledge of APL or its employees/agent, or where maintain
such confidentiality is beyond the control of APL.

__________________________
CNIC No.* - -
Authorized Signatory*

Terms and conditions applied. 4

 Form ID: -

Preferred Mode of Payment

Cheque Pay Order Demand Draft

Instrument No. ____________________ Total Amount: __________________ Bank:___________________ Date:______________

Note:

1. Security Deposit is Mandatory.

2. Additional Services Chagres will be applicable.
3. Incase of non payment by due date, 2% late payment surcharge will be applicable on outstanding amount.
4. Please attach copy of your valid CNIC (Mandatory)

Declaration
The Card applicant is requested to kindly read the following clauses before completing this application.
1. By signing below, the applicant acknowledge that he/she/company is responsible for payment of all charges and liabilities
billed by APL in the statement of account.
2. The undersigned applicant confirms that the information given in this application form is complete and accurate, authorizing
APL to check with credit reporting agencies, credit references and other sources to authenticate and confirm the information
disclosed in the form.
3. The applicant agrees to abide by the terms and conditions set forth in the agreement provided with this application. Use of
any card pursuant to this application confirms that applicant’s agreement to the said terms and conditions.
4. The applicant agrees that in the event the outstanding amount is not paid as agreed, APL may report the undersigned’s liabil-
ity for the status of the account to financial institutions and credit bureaus and other who may lawfully receive such infor-
mation.

Name: Signature:
Date: D D / M M / Y Y Y Y

For APL Use Only

Sales Rep name:___________________________ Region/City:________________ SR Signature:_________________

Ref. No.____________________
Card Finance:
Estimated Monthly Consumption (Rs.)_________________________ Credit Limit Allowed (Rs.)_____________________
Payment Due Date:_________________________________________ Service Charges:___________________________
Authorized By:_____________________________________________ Card Account Type_________________________

Terms and conditions applied. 5

8. BREACH BY DEALER
APL shall not be liable to the Client and/or Cardholder for any loss damage, cost or expense suffered by Client and/or Cardholder and arising whether directly or indirectly from the
non-provision of Supplies or from the failure by its Dealer to furnish adequately or correctly the required Supplies or to honor a Card to change his normal cash price for the
Supplies or by the Dealer accepting or failing to accept a Card notwithstanding that such acceptance or failure thereof may constitute a breach of the Dealer may be set-
off or counter-claimed against APL. The Client/Cardholder shall not withhold payment to APL on account of any such claim or under any circumstances whatsoever.

9. SUCCESSORS BOUND
The terms and conditions shall be binding upon the heirs, personal representatives permitted assigns and successors-in-interest of the Client / Cardholder, the successors –in-title and
assigns of APL.

10. ASSIGNMENT / Transfer

The Client and/or Cardholder shall not assign/transfer its rights under this to any third party/Unauthorized person under any circumstances without prior written consent from APL.

11. RECONSTRUCTION OF APL OR THE CLIENT OR CARD HOLDER

The liabilities and/or obligation created under this shall continue to be valid and binding for all purposes whatsoever notwithstanding change by amalgamation, reconstruction or
otherwise which may be made in the constitution of APL and or the Client or / Card Holder or either of them.

12. Other Terms and Conditions

12.1 All the credit cased account are required to submit their updated audited financials/copy of approved POL budget by end of the 1st quarter of each fiscal year.
12.2 A transaction slip (receipt or charge) would be generated at the time of truncation, which should be checked for details. The slip should be kept for at least 40 days from the day
of receipt of the Statement of Account for record purpose only.
12.3 The Client and/or Cardholder permits APL to use information contained in the Application Form for the issuance of the Card’s database related activities for which APL will ensure
strict confidentiality and also agrees to permit APL to divulge certain of the Client’s information to MAK GLOBAL PAYMENT SOLUTIONS (Providing Fuel Card Management
Solution to APL) or its representative for processing and storing of cards transactions.
12.4 APL may from time to time without notice or any liability whatsoever, combine or consolidate or merge or amalgamate any one or all cards accounts of the client with APL and/or
set-off or apply any money standing to the credit of any or all of such accounts in or towards satisfaction of the outstanding balance of any card(s) of the client.
12.5 APL may at any time waive either unconditionally or otherwise any of these Terms and Conditions or any default or breach of the Client and/or the Cardholder provided that such
waiver is given in writing by APL and save as aforesaid, no condoning or excusing or neglect or forbearance on the part of APL of any default or breach of any Terms and
Conditions shall serve as a waiver of APL’s right and powers, and no waiver shall be inferred from or implied by anything done or not done by APL, unless expressed in writing
by APL, any waiver shall operate only as waiver of the particular matter to which it relates and shall not operates as a waiver of any of these Terms and Conditions.
12.6 The Terms and Conditions are governed by and shall be construed in accordance with the law of Pakistan.
12.7 The client and/or Cardholder hereby hypothecates in favor of APL, as a continuing security, for all charges, dues, financial liabilities and or other amounts due and payable by the
Client to APL, in respect of the card(s) facility provided by APL to the Client under this agreement, all its present and future assets, including but not limited to machinery,
goods, book debt, stock, furniture and fixture, owned by the Client in its premises/locations anywhere in Pakistan. The Client also undertakes to pay to APL all the cost and
expenses incurred in connection with the execution of hypothecation. This hypothecation is also extended to those other transactions, agreement and contracts having
been executed/entered into by and between APL and the Client, having financial liabilities, payable by the Client to APL.
12.8 The Client undertakes and agrees to indemnify APL and hold it harmless against any loss, damage, liability, cost and expense, whether legal or otherwise which APL may incur by
reason of the use of the Card(s) by the Client and/or Cardholder, the Terms and Conditions or any breach thereof to the enforcement of the APL’s right as herein provided.
Accordingly, all costs and expenses, including or seeking to enforce or applying these Terms and Conditions or otherwise, shall be debited to the Client and shall be paid as
liabilities by the Client.
12.9 APL reserves the right to at any time amend add, delete, rescind, change and/or to vary any of these Terms and Conditions. Retention of the Card by the Client and/or the Card-
holder after the date upon which any change in these Terms and Conditions is to have effect on the date specified in the Statement of Account or notice will constitute
notice of both the Client’s and the Cardholder’s acceptance without reservation to such amendment/change. If the client does not accept any proposed change, it must
immediately terminate the use of card in accordance with Clause 2.19 above (and in any event prior to the effective date of the change) otherwise the change will apply.
12.10 The Client hereby agrees that APL may, in its sole discretion assign, discount or otherwise transfer their interest in the Card(s) without permission.
12.11 Each of these Terms and Condition shall be severable and distinct from one another and if, at any time, anyone or more of such Terms and Conditions is or has become invalid,
illegal or unenforceable, the validity, legality or enforceability of the remaining provision shall not in any case be affected or impaired thereby.
12.12 In no event shall APL be liable for non-provision of any services to the Client and/or Cardholder if such non-provision is as result of any circumstances beyond the control of APL.
12.13 It is declared by the Client and/or Cardholder: I am the duly authorized representative of the Client Company or Firm and acknowledge that the signing of these Terms and
Conditions will make the same binding on the Client Company or Firm and both I and Client Company or Firm will be liable for all losses, charges, expenses, fines, litigation
etc.
12.14 The Client may be required to sign a further agreement with APL on specified terms and conditions. Should an agreement be signed, such agreement shall prevail in event of
conflict between it and these Terms and Conditions.

__________________________
Authorized Signatory*
CNIC No.* - -

Terms and conditions applied. 6