Edge CSB Bank Credit Card and Edge+ CSB Bank Credit Card– MITC

Issued by:

w.e.f. 13th May’25

The Most Important Terms and Conditions (“MITC”) has been updated on 13th May 2025  and the revised fees and charges will be applicable from 15th June 2025.

These Most Important Terms and Conditions (“MITC”) apply to the Edge CSB Bank Credit  Card and Edge+ CSB Bank Credit Card issued by CSB Bank Limited (Bank) in partnership  with its co-branding partner Europa Neo Marketing Private Limited (formerly known as  Amica Neo Marketing Private Limited) (“ENMPL”).

Cardholders can activate the Edge CSB Bank Credit Card and Edge+ CSB Bank Credit Card  exclusively on the Jupiter Mobile App (owned by Amica Financial Technologies Private  Limited (“Jupiter”) or clicking on ‘Submit’ or ‘I Agree’ or any similar tab/icon would mean  acceptance of the MITC by the cardholder/Cardholder/user/you (“Cardholder”). The MITCs are in addition to and are to be read along with the detailed Terms and  Conditions and are subject to change at the discretion of the Bank and in accordance with  laws applicable from time to time. An updated version will always be available on the  Bank’s web page and in the Jupiter App.

Schedule of Fees and Charges

The following charges are at the sole discretion of the Bank and can be changed at any  time after giving one month’s notice.

Here is a list of all charges (exclusive of all applicable GST):

Joining and Annual Membership fee for the primary user is Nil only for the first two lakh  customers. Such fee shall be notified at the time of availing the credit card on the Jupiter  App.

** Overlimit - While we do not generally allow overlimit transactions. In case Cardholder’s  credit limit is breached due to a higher amount presented by the merchant at the time of  settlement, there will be no charges levied.

*** Users to be eligible for 1% (Maximum Rs.100/-) Fuel Surcharge Waiver upon spend of  minimum Rs.400/- and maximum spend of Rs.3,000/- exclusive of GST and other charges. TDS wherever applicable shall be deducted for the customer as per the rates notified by  the government from time to time.

GST and applicable taxes shall be applicable, in addition to the rates mentioned above

Late Payment Fee

Late payment Fee will be applicable if the Minimum Amount Due (“MAD”) is not paid by the  payment due date.

Illustrative example for calculation of Late Payment Fee:

In the example below, consider the billing cycle is 1st of the calendar month - end of the  month. Statements are generated on the 1st and are due on the 15th of every month. There  is no principal outstanding at the start of the following cycle.

Interest Charges:

1. Interest will be charged if the Total Amount Due (“TAD”) is not paid by the payment due  date. Interest will be charged on the principal outstanding amount due and on all new  transactions (from the transaction date) till such time as the total amount due is paid in full.

2. The following example shows how interest is calculated. In the table given below, it has  been assumed that the Total Amount Due (“TAD”) of the previous month’s statement has  been paid by the payment due date and there is no outstanding amount. The statement  generation date is the 1st. Given these assumptions, interest will be calculated as shown:

4. On statement dated 1 May 2025, the following interest charges will be levied. Interest is  calculated using the following formula:

Principal Outstanding transaction amount * Number of days since transaction * (Interest  rate x 12 months) / 365

Note: These illustrations are meant to be indicative and to show how interest is calculated  and charged.

Cash Advance

Cardholders cannot use the Edge CSB Bank Credit Card and Edge+ CSB Bank CreditCard to withdraw cash from ATMs in India and/or overseas.

Interest Free Period

The interest free period could range from 13 to 47 days.

Example for the calculation of interest free period: For a statement for the period from May  1, 2025to May 31, 2025 the payment due date would be Jun 15, 2025. Assuming that the cardholder has paid the Total Amount Due of the previous month statement by the  payment due date, the grace period would be:

1. For a purchase dated May 2, 2025, the interest-free grace period is from May 2, 2025  to June 15, 2025, i.e. 45 days.

2. For a purchase dated May 30, 2024, the interest-free grace period is from May 30, 2025  to June 15, 2025, i.e. 17 days.

Thus, the grace period can vary depending upon the date of purchase. Note: If the Total  Amount Due is not paid by the payment due date, then there will be no interest free period.  For cash advances, interest is charged from the date of the transaction until the date of  payment. There is an additional three-day period (as mandated by the Reserve Bank India  “RBI”) post the payment due date during which if the Cardholder makes a payment, they  will not be charged late payment or interest charges.

Forex Markup Fee

If a transaction is made in a currency other than Indian Rupees, that transaction will be  converted into Indian Rupees.

The conversion will take place on the date the transaction is settled which may not be the  same date on which the transaction was made. If the transaction is not in USD (US  Dollars), the amount will first be converted to USD, and then the USD amount will be  converted to INR as per the rate provided by international network partners of RuPay. On  this amount, a forex markup fee will be levied, and GST will be applicable on the markup  fee.

If this transaction is reversed, both the markup fee and GST charges will be refunded. In  case of a refund, however, only the transaction amount will be refunded in INR as per the  conversion rate applicable on the date of refund.

A forex markup fee will also be levied in case of an Indian Rupee (INR) transaction done at a  merchant or payment gateway that is based out of India.

Credit Limit

Cardholder’s Credit Limit will be communicated to them at the time of card issuance. This  will also be mentioned in the monthly statements. Available credit limit is calculated by  deducting the utilized limit from the Total Credit Limit. “Available Credit Limit” is the limit up  to which a cardholder can make purchases.

Cardholders may be entitled to apply for an enhancement of the Credit Limit after 12  months from the date of card issuance. CSB Bank also reserves the right to recommend a  Credit Limit increase to the Cardholders based on their Edge CSB Bank Credit Card and  Edge+ CSB Bank Credit Card usage, in the Jupiter app. This recommendation and its  associated terms and conditions will be made available for the Cardholder to consider  before accepting the recommendation.

Once the Cardholder has read and agrees to the Terms related to Credit Limit increase  displayed inside the Jupiter app and provided their consent to increase the limit, their  Credit Limit will be enhanced. Cardholder’s acceptance of the limit increase  recommendation where they specifically validate the limit increase and agree to the terms  will be treated as a consent. The Bank or its authorized third party service provider, will  keep the digital records of such consent and will treat it as proof of consent in case of any  dispute arising later on account of limit increase.

CSB Bank will review the Cardholder’s account periodically and reserve the right to  decrease their credit limit based on their transaction patterns, payment behavior and other  internal criteria. This will be informed to the Cardholder via the Jupiter app and/or via email  and SMS.

Billing

1. Payment Schedule

The billing cycles have been illustrated based on examples below

2. Billing statements

The Cardholder’s billing statement will be generated every month. It will contain a break-up  of all purchases, payments, fees, interest charges, refunds and taxes.

In case the card was not used in a month, the statement will mention there were no spends  in that month. Jupiter App also has an option to view and download the statement in PDF  format. The Cardholder will also be sent a PDF copy of their monthly statement to their  registered email address. The Cardholder shall, however, review the statement from time to  time on Jupiter app in order to stay updated on the statement.

Only settled transactions will be included in the monthly statement. In case a transaction  done in a particular cycle has not been settled by the time of statement generation, it will be  included in the next cycle. As per the Network Partner guidelines, merchants are given up to  a maximum of 10 days to settle domestic transactions and 15 days to settle international  transactions.

In case a transaction is not settled in this timeframe, the transaction amount will be  refunded to the Cardholder. After this, in case of late presentment of the transaction for up  to 45 days from date of transaction, they can be charged again and their available limit  reduced accordingly.

Any transactions on which a dispute has been raised, will not be included in the monthly  statement.

3. Minimum Amount Due

The Cardholder will need to pay at least the Minimum Amount Due by the Payment Due Date  as indicated in the monthly statement. If they have paid the Minimum Amount Due, they will  be liable to pay interest only on the outstanding amount and can continue to earn and  redeem rewards.

Minimum Amount Due stated in the monthly statement shall be calculated as per the  following formula:

5% of the total amount due (reduced by any amount that has been credited and/ or refunded  and/ or repaid by the Cardholder and/ or waived off by Bank before the payment due date) +

EMI amount billed for the month

+

100% of any fees, interest, charges and taxes

If the minimum amount due is less than ₹500, the Cardholder will be charged ₹500 as the  minimum amount due. If the total amount due is less than ₹500 then the total amount due  value becomes the minimum amount due.

Note- Making only the minimum payment every month would result in the repayment  stretching over months / years with consequential compounded interest payment on your  outstanding balance.

4. Payment knock-off order:

When the Cardholder makes a payment, it is adjusted in this order:

- Taxes

- Fees

- Interest

- Purchases

Furthermore, purchase amounts are knocked off starting with the earliest transaction date. 5. How Refunds/Reversals/Waivers/Chargebacks impact the statement

The Cardholder must pay for the transactions billed in the Edge+ CSB Bank Credit Card  statement to avoid any additional charges being levied. However, if they receive any  incoming transactions (refunds, reversals, waivers or chargebacks) before having cleared  the bill, these transactions will first offset the total amount due on the last statement.

If there is no billed amount due, this amount will be adjusted against their current  outstanding. If there are no outstanding dues on the card, we will adjust incoming  transactions only up to Rs. 5000 or 1% of the Cardholder’s Credit Limit (whichever is lower),  and any excess balance will be refunded to their specified bank account.

6. Method of payment

The Cardholder can pay the outstanding dues from the Jupiter app using the following  modes:

- Bank transfer from their bank account on Jupiter App or other Registered Bank Account. - UPI payments (up to ₹2 lakh) from any Bank Account added to the Jupiter UPI App. - Via debit card and net banking of any bank account using a unique payment link sent to the  Cardholder via SMS and email.

- CSB Bank has the right to add/remove any methods of payment at any time. 7. Billing disputes resolution

All the contents of the statement will be deemed to be correct and accepted if the  Cardholder does not inform us of any discrepancies within 30 days of the statement’s  generation date. In the event of billing disputes/discrepancies, we shall investigate and  confirm the liability for such transactions.

For any disputes which result in a chargeback being raised, we may offer a temporary credit  during the period of investigation, which may be reversed along with applicable charges  subject to outcome of the investigation.

Any GST levied will not be reversed in any dispute on fees and charges or interest.

8. Contacting us in case of a billing dispute

In case the Cardholder needs any help, they can:

Click on the Help button on the Jupiter app and use the chat support to get a resolution Call our Customer Care number at +91 86550-55086

Email us at Edge-csb-support@jupiter.money

If you are not satisfied with the above, you may escalate the matter to

Nikhil Godbole,

Nodal Officer for Customer Grievances, Amica Financial Technologies Private Limited,  Address: Address Plot no.94, 17th Cross, 14th Main Rd, 4th Sector, HSR Layout,  Bengaluru, Karnataka 560034.

Tel: 0487-2333020. In all your communications with us, please indicate your complete  registered mobile number and Edge+ CSB Bank Credit Card number.

In all communications with us, please indicate the complete registered mobile number  and the last 6 digits of your Edge+ CSB Bank Credit Card number.

Refund of credit balance/excess amount

In case there is a credit balance/excess amount lying in the Cardholder’s Edge+ CSB Bank  Credit Card account due to an additional payment or a reversal/refund, this amount will be  refunded (without any applicable interest) to them as long as all their outstanding dues are  cleared. The following procedure will be followed:

a. If the Cardholder has a partner bank account on the Jupiter app, the excess credit  balance will be automatically transferred to that account

b. If the Cardholder has opted for the Edge+CSB Bank Credit Card but doesn't have a partner  bank account on the Jupiter platform, they’ll need to enter their bank account details on the  Jupiter app. This account must be active and the Cardholder must be the primary account  holder. We will deposit Re. 1 into that account to verify the bank account details.

Few things to remember:

a. In case the Cardholder has no outstanding dues and if they received an  incoming transaction of greater than ₹5000 or 1% of their Credit Limit  (whichever is lower), this amount will be transferred to their respective  account within 3 working days. This is applicable for both active and blocked  cards.

b. If the Cardholder does have any outstanding dues, any refunds, reversals,  waivers or chargebacks will be adjusted in the manner stipulated under  clause 9. This is applicable for both active and blocked cards.

If the Cardholder’s Edge+ CSB Bank Credit Card account has been closed,  they can still provide their bank account details on the Jupiter App. Any excess  balance or credit amount will be transferred to that bank account within 7-10  working days from the date of such request. If they have an existing partner  bank account on the Jupiter app, this amount will be transferred directly to  that account in the same timeframe. In case there is no access to the Jupiter  app, they can share a cancelled cheque or provide their bank account details  by emailing us at Edge-csb-support@jupiter.money

c. In case of an active card or blocked card, any excess credit resulting from  excess payment will be reversed if a request for the same is placed with  Jupiter. This reversal will be done within 7 working days from the date of such  request into the respective bank account. No interest will be payable on any  credit balance/excess amount lying in the Cardholder’s Edge+ CSB Bank  Credit Card account.

4. Insurance and Concierge Service:

For availing Insurance and Concierge Service User need to contact Jupiter customer support  or need to check NPCI website.

Grievance Redressal and Compensation Framework

i. In the event that you are not satisfied with our services, you may register your grievance  by

1. Calling us at our customer care number at +91 86550 55086

2. Emailing us at csb.grievance@jupiter.money

3. For any escalation, you can reach out to the bank on Edge-csb-support@jupiter.money  or CSB Bank Customer care contact number – 18002669090, Email id -

customercare@csb.co.in

4. If you are not satisfied with the above, you may escalate the matter by writing to:

Level 1: Nikhil Godbole, Nodal Officer for Customer Grievances, Amica Financial  Technologies Private Limited, Address: Address Plot no.94, 17th Cross, 14th Main Rd, 4th  Sector, HSR Layout, Bengaluru, Karnataka 560034.

Level 2: Smt M Sreelatha, Principal - Nodal Officer for Customer Grievances, CSB Bank  Head Office, CSB Bhavan, St Mary’s College Road, Thrissur – 680020 Kerala. In all your communications with us, please indicate your complete registered mobile  number and last 6 digits of your Edge CSB Bank CreditCard and Edge+ CSB Bank  CreditCard number.

If the issue remains unresolved beyond 30 days even after reaching out to the above  channels, or if the response is unsatisfactory, you may write to the Banking Ombudsman  for an independent review. Details of the Banking Ombudsman Scheme are available on the RBI website at https://www.rbi.org.in/.

ii) Below compensation framework will be followed in case of delay in resolving:

iii) Contact details of the card-issuer are as follows:

Email your query to Edge-csb-support@jupiter.money

Call on helpline number at 91 86550 55086

Default and Circumstances

In the event the Cardholder fails to make the payment of Minimum Amount Due by the due  date, interest shall be levied as per the rates mentioned above and the Cardholder shall  not be entitled to redeem any Jewels and further earnings of the Jewels shall be stopped  from the date of end of the three-day grace period.

Procedure including notice period for reporting a Cardholder as defaulter. In the event of default, the Cardholder will be sent reminders from time to time for  settlement of any outstanding amount on the Credit Card account using any of the  following modes: by post, telephone, e-mail, SMS messaging and/or engaging third parties  to remind, follow up and collect dues. Any third party so appointed shall adhere fully to the  Code of Conduct on debt collection as applicable from time to time. Occurrence of one or  more of the following events shall constitute an event of default and CSB Bank at its sole  discretion may withdraw the Credit Card facility:

a. The Cardholder fails to pay any amount due to the Bank within the due date; b. The Cardholder fails to perform the obligations as per Cardholder Terms; Any NACH/standing instructions are not encashed/acted upon for any reason whatsoever  on presentation / being made

c. Any representation made by the Cardholder proves to be incorrect, false, or incomplete,  including but not limited to income and/or identification papers/documents forwarded to  the Bank being proved incorrect, incomplete, and / or containing false or fraudulent  information.

Procedure for withdrawal of default report and the period within which the default  report would be withdrawn after settlement of dues:

a. The defaulter in question has liquidated his entire outstanding dues with the Bank or  settled his dues with the Bank.

b. A court verdict has been received against the Bank, in a legal suit filed by or against the  Bank, instructing the Bank to de-list the Cardholder from the default report. Decisions are  taken on a case-to-case basis upon individual reviews.

Recovery procedure in case of default:

In case of default, the Bank can recover the amount by referring the dispute to a sole  arbitrator, mutually appointed under the provisions of the Arbitration and Conciliation Act,  1996 as amended from time to time. The seat of arbitration shall be Mumbai, India. The  arbitration proceedings shall be in English Language

Termination/Revocation/Surrender of Card membership

Procedure for surrender of card by Cardholder

a. The Cardholder can close their Edge+ CSB Bank Credit Card account any time from the  Jupiter app by navigating to the Edge CSB Bank Credit Card and Edge+ CSB Bank  CreditCard settings or by calling, emailing or initiating a chat with the customer support  team. The entire card outstanding dues and loans / EMI facilities linked to their Edge+ CSB Bank Credit Card (if applicable and/or availed of) will have to be cleared before submitting  the card closure request.

b. Any refund/reversal that is received after the card closure will be intimated to the  Cardholder and refunded electronically to the respective account i.e. the partner bank  account opened on Jupiter App, or any other account specified by the Cardholder on the  Jupiter App.

c. Upon termination/revocation of Edge CSB Bank Credit Card and Edge+ CSB Bank  CreditCard holder ship for any reason whatsoever, whether at the instance of the  Cardholder or the Bank, the Cardholder shall remain liable for all charges incurred using  the Edge+ CSB Bank Credit Card.

d. The Cardholder specifically acknowledges that once their Edge CSB Bank Credit Card  and Edge+ CSB Bank Credit Card account is closed, the privileges (including but not  limited to all benefits and services accrued, Jewels not redeemed etc.) of the Edge CSB  Bank Credit Card and Edge+ CSB Bank Credit Card stand nullified. Reinstatement of the  same is neither automatic nor attendant and will take place solely at the discretion of the  Bank.

e. For avoiding misuse, it is advised to destroy the Edge+ CSB Bank Credit Card ensuring  that the hologram, magnetic strip and chip are destroyed permanently.

f. The Cardholder’s Edge+ CSB Bank Credit Card account will be closed only if the Bank  receives the payment of all amounts due and outstanding in respect of the said Edge+ CSB Bank Credit Card account.

Procedure for revocation of Cardholder ship :

The Cardholder’s access to their Edge+ CSB Bank Credit Card may be cancelled or revoked  at any time without prior notice, if we consider it necessary for business or security  reasons, which may include but are not limited to:

a. Delayed or dishonored payments, improper use of credit card (in violation of RBI and  Foreign Exchange rules). Misleading or incorrect information / documents given along with  card application.

b. Failure to furnish information or documents as required under the Know Your Customer  (KYC)/ Anti Money Laundering (AML)/ Combating the Financing of Terrorism (CFT)  guidelines.

c. Involvement in any civil litigation or criminal offence / proceedings by any authority,  court of law or professional body or association.

d. Changes in credit policy due to prevailing conditions / unforeseen circumstances. The  Cardholder may continue to get their Edge+- CSB Bank Credit Card statements with actual  outstanding, even after closure of the card account.

e. In case the Edge+ CSB Bank Credit Card has not been used for more than one year then  we will notify the Cardholder of the dormancy within 30 days from the dormancy date. If  the card is still not used or no reply is received for the continuation of Edge+ CSB Bank  Credit Card, Edge+ CSB Bank Credit Card will be closed and reported to the bureau,  subject to payment of all dues by the Cardholder.

Loss, theft or misuse of Card

Procedure to be followed in case of loss/theft/misuse of Edge+ CSB Bank Credit Card: - In case the Edge+ CSB Bank Credit Card is lost, stolen, misplaced, or if the credit card PIN  has been compromised, report this immediately to customer support from the Jupiter app  or via phone or email.

b. If the Edge+ CSB Bank Credit Card is misplaced, the Cardholder can freeze the card  temporarily from the Jupiter App.

c. If the Edge CSB Bank CreditCard and Edge+ CSB Bank CreditCard is lost or stolen, the  cardholder can block the Edge+ CSB Bank Credit Card from the Jupiter app and place a  request to reissue their card. The Cardholder can also reset the Edge+ CSB Bank Credit  Card PIN from the Jupiter app. The Cardmember shall not be able to use the blocked Card  for any transaction/s until the Cardmember receives a replacement Card.

d. In case the mobile phone with the Jupiter App is lost or stolen, inform us immediately by  calling +91 86550 55086. Please also report the theft of the Edge+ CSB Bank Credit Card or  phone to the police by lodging a First Information Report (FIR) and share a copy of that with  us when requested.

e. The Card Member shall not be liable for any transaction/s made on the Card post the  Cardholder reporting the loss/theft/damage. However, in case of any dispute relating to  the time of reporting such loss/ theft/damage and/or transactions made on the Card post  reporting of the loss/theft/damage/ misuse, the Bank reserves the right to ascertain such  time and / or the authenticity of the disputed transactions.

Liability: Your liability in case of any of the above-mentioned scenarios would be as  follows:

a. Zero liability where the un authorized transactions occur in the following events: i) Contributory fraud/negligence/deficiency on part of the Bank

ii) Third Party breach where the deficiency lies elsewhere in the system and you notify the  Bank (including its outsourced service providers) within 3 working days of receiving the  communication from the Bank (or any of its outsourced service providers) regarding the  unauthorized transaction.

b. You shall be liable for the loss occurring due to unauthorized transactions in the  following cases:

i) In cases where the loss is due to your negligence such as where you have shared the  payment credentials, you will bear the entire loss until you report the unauthorized  transaction to the Bank (or any of its outsourced service providers). Any loss occurring  after the reporting of the unauthorized transaction shall be borne by the Bank. ii) In cases where the responsibility of the unauthorized electronic banking transaction lies  neither with the Bank nor You, but lies elsewhere in the system and when there is a delay of  4-7 working days after receiving communication from the Bank (or any of its outsourced  service providers) on your part in notifying the Bank of such a transaction, your per  transaction liability shall be limited to the transaction value or the amount whichever is  lower as mentioned in the table below (as per RBI)-

iii) Further, if the delay in reporting by You is beyond 7 working days, your liability shall be  determined as per the Bank’s board approved policy.

Disclosures

a. CSB Bank has tied up with Credit Information Companies (CICs) authorised by the RBI  and will share credit information including but not limited to the current balance, loans /  EMI facilities linked to Edge+ CSB Bank Credit Card (if availed), balance outstanding on  Edge+ CSB Bank Credit Card/ loan, payment history etc., along with the demographic  details with these organisations on a monthly basis, as per the Credit Information  Companies (Regulation) Act, 2005. The CICs only provide factual credit information and do  not provide any opinion, indication or comment pertaining to whether credit should or  should not be granted. It is in the best interest of the Cardholder to maintain a good credit  history by paying the necessary dues in a timely manner. Details of default would also be  available with the CICs, which in turn could impact your credit worthiness.

b. CSB Bank reserves the right to report a delinquent customer to the CICs even in an  instance of Cardholder raising a billing dispute which the Bank and/or its authorised  service provider had clarified as an invalid dispute earlier or the dispute being raised by  Cardholder after the cut-off date i.e. 30 days from the date of statement generation, and/or  the dispute is in relation to secured transactions where a PIN or a One Time Password was  used. The following steps will be followed in the reporting of delinquent customers to CICs i) Bank will report delinquent users to CICs within 15 days of the user turning delinquent ii) You will be notified by SMS and email 7 days prior to being reported to CICs iii) If you settle the required dues after being reported, Bank shall update the status within  30 days from the date of settlement of dues iv) In case there is a dispute under  investigation, you will be reported only after the settlement of the dispute, if required.

c. CSB Bank and/or its authorised third party service providers will provide the particulars  of the card account to the statutory authorities, as may be required. The Bank and/or it’s  representative authorised by the Bank will share the necessary information including but not limited to that which is required for execution of the rewards programs, portfolio  statistical analysis, etc., will be provided to Jupiter, in each case in accordance with  applicable laws.

d. You should also know that CSB Bank or its service provider , at its own discretion,  records specific conversations between the Cardholder and any representative of the  Bank, in cases of support or grievance-related conversations or payments-recovery related conversations or any other conversations, that the Bank may deem fit.

e. CSB Bank also reserves the right to assign any activities related to the credit card  operations to any service provider appointed by the Bank, whether located in India or  overseas and whether a Bank or a third party, at its sole discretion, in accordance with the  applicable regulatory guidelines. CSB Bank can provide/share details of Cardholder  application to such service providers for any activities related to the credit card operations  without any specific consent. Bank or its authorised service provider authorised by the  Bank reserves the right to retain the application forms and documents provided therewith,  including photographs, and will not return the same.

f. From time to time CSB Bank and/or Jupiter authorised by the Bank communicates  various products/features/promotional offers which offer significant benefits to its  Cardholders and may use the services of third party agencies to do so. If the Cardholder  does not wish to receive any direct marketing, SMS, Emails or telephone calls from the  Bank for such services, the Cardholders may email us at edge-csb-support@jupiter.money The Cardholders will continue to receive communication pertaining to the core features of  the credit card.

g. Edge+ CSB Bank Credit Card cannot be used for the purchase of prohibited items such  as lottery tickets, banned or proscribed magazines, participation in sweepstakes, payment  for call back services, and / or such items / activities for which no drawl of foreign  exchange is permitted. Usage of the Edge+ CSB Bank Credit Card for transacting outside  India must be made in accordance with applicable law, including the Exchange Control  Regulations of the RBI and the Foreign Exchange Management Act, 1999, and in the event  of any failure to do so, you may be liable for penal action.

h. Foreign exchange trading through internet trading portals is not permitted. In the event of  any violations or failure to comply, Cardholders may be liable for penal action and /or  closure of card.

i. Parties agree that any disputes in respect of any issues arising out of Terms and/or card  usage, shall be referred to the non- exclusive jurisdiction of courts in Mumbai, India and  shall be governed by and construed in accordance with the laws of India. The Cardholder  further acknowledges that CSB Bank, Customer, shall appoint to refer the dispute to a sole  arbitrator, in accordance with the provisions of the Arbitration and Conciliation Act, 1996  as may be amended, or its re-enactment. The arbitration proceeding shall be conducted in English language. The award passed by the arbitrator shall be final and binding on the  parties. The arbitration proceedings shall be held at Mumbai or such other place as may be  notified at the sole discretion of the Bank . The seat of arbitration shall be Mumbai. The  Arbitration proceedings may also be held through video conference. To attend any hearing  ordered by the tribunal, the following shall apply:

   a. Any such hearing shall be held via video conference upon the order of the tribunal;

   b. The parties agree that no objection shall be taken to the decision, order or award of the  tribunal following any such hearing on the basis that the hearing was held by video  conference.

j. The Cardholder agrees that if at any time it is discovered that there are any amounts due  to the Bank against any credit facility, then the Bank shall have the absolute right to hold  the No objection certificate (NOC) against any/all such facilities, without any prior notice.

k. Bank and its respective employees, agents or contractors shall not be liable for, and in  respect of any loss or damage whether direct, indirect or consequential, including but not  limited to the loss of revenue, profit, business, contracts, anticipated savings or goodwill,

loss of use or value of any equipment including software, whether foreseeable or not,  suffered by the user or any person, howsoever, arising from or relating to any delay,  interruption, suspension, resolution or error of the Bank in receiving and processing the  request and in formulating and returning responses or any failure, delay, interruption,  suspension, restriction, or error in transmission of any information or message to and from  the telecommunication equipment of the user and the network of any service provider and  the Bank's system or any breakdown, interruption, suspension or failure of the  telecommunication equipment of the user, the Bank's system or the network of any service  provider and / or any third party who provides such services as is necessary to provide the  facility.

J) Important Regulatory Information

a. Your Edge CSB Bank Credit Card and Edge+ CSB Bank Credit Card is valid for use both  in India as well as abroad. It is, however, not valid for making foreign currency transactions  in Nepal and Bhutan.

b. Foreign exchange trading through Internet trading portals is not permitted. In the event  of any violations or failure to comply, you may be liable for penal action and/or closure of  the card.

c. Outstanding dues may also be recovered from any of the operative accounts of the  Cardholder maintained with the Bank as a part of the auto recovery process. d. Recovery of dues in case of death/permanent in capacitance of the Cardholder  including insolvency and bankruptcy: It shall be in accordance with the applicable laws  after giving sufficient notice for payment of dues and all information regarding the  outstanding dues, to the successors/nominees /legal heirs/guardian of the Cardholder.