Bob Financial Agreement

Mastercard is a global technology company in the payments industry. Our mission is to connect and manage an inclusive digital economy that benefits everyone everywhere by making transactions safe, simple, smart and accessible. With secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses unlock their greatest potential. Our decency quotient or DQ determines our culture and everything we do inside and outside our company. With connections in more than 210 countries and territories, we are building a sustainable world that offers invaluable opportunities for all. Through BOB Financial Solutions Limited, you www.bobfinancial.com confirm and acknowledge that any default by you regarding a loan and/or financial instrument with any of the companies related to Bank of Baroda is also considered a delay under this Card Agreement. 19.1. We may, at your discretion, allow you, from time to time, to transfer your outstanding assets (“Credit Transfers”) to other credit cards and credit facilities that you use with other companies and financial institutions. Credit transfers are not accepted by overdue state accounts or if the credit limit has been exceeded or that are greater than the remaining balances on those other credit cards and are limited to the percentage of the credit limit available on the card that we will be able to set. By choosing to benefit from the balance transfer feature, you authorize us to make payments to companies/financial institutions so designated. However, we reserve the absolute right to reject any request for credit transfer.

You must continue to fulfil your obligations with respect to your existing credit facilities, the assets of which are transferred under this Agreement, until you have received written notice from us that the request for a transfer of balance has been accepted and payments have been made to the financial companies/institutions so designated. We are not responsible for any fees, late payments or interest incurred by other credit cards/institutions. We may, in our sole discretion, set additional terms from time to time. BOB Financial Solutions Limited (formerly known as “Bobcards Limited”) was founded in 1994. It is a non-bank financial company wholly owned by Bank of Baroda, one of the best banks in India. The main activity of the company lies in credit cards whose main meanings are simple products, easy to understand, maintained at fair and efficient prices. For more information, see www.bobfinancial.com. 24.1.

You must immediately report the card (if you are already registered to access the portal) or by phone at 1800 225 100 / 1800 103 1006 (24 x 7 All India Toll Free) or SMS at +91 9323803935 or email at wbc@bobfinancial.com and loss/ theft / abuse of credit card / not receive at maturity, so that the card is immediately blocked. M. Manoj Piplani – MD & CEO of BOB Financial Solutions Limited – said of the initiative: “As part of the `Nirmaan` project, we are committed to providing financial flexibility to Bank of Baroda customers by enabling quick and convenient access to credit in the form of pre-approved credit cards. Bank of Baroda has over 7.8 crore customers and we are focused on increasing credit card penetration in order to drive exponential growth. The availability of TransUnion CIBIL credit information helps us make real-time decisions for customers with a good credit history. July 2018: BOB Financial Solutions Limited (formerly known as Bobcards Limited) announced its flagship project “Nirmaan” to offer pre-approved credit cards for solvent private clients of its parent company, Bank of Baroda. . . .

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