Bridge Bank, a leading commercial bank that offers comprehensive banking services, and Borey Chankiri announced the signing of a Memorandum of Understanding (“MoU”) aimed at promoting flexible financing housing loan options, at Borey Chankiri showroom.

Customers of Borey Chankiri who are interested in purchasing a house from the Borey​ can now apply for with BRIDGE Bank. The loan options will be tailored to meet the needs of the Borey customers, in terms of interest rates, repayment terms, and loan amounts, which could be up to 80% of the collateral amount with a loan tenor of up to 25 years. This special financing option is exclusively available to customers who bank with Bridge Bank and customers can enquire directly through the bank’s Relationship Managers or nearest branch.

Bridge Bank’s Chief Executive Officer, Mr. Richard Liew expressed the bank’s commitment to providing flexible financing options to customers and helping them achieve their homeownership goals. “We are proud to partner with Borey Chankiri in providing this flexible housing loans that cater to the needs of Borey Chankiri customers. Our Relationship Managers are always available to assist customers with their queries and help them navigate the loan application process,” Mr Richard Liew said.

“We are excited to partner with Bridge Bank to provide affordable and accessible housing loans to our customers. Owning a home is a dream for many, and this agreement will help make that dream a reality,” said Mr. Hok Kang, CEO of Urbanland.

Customers who are interested in this housing loan offer can contact Bridge Bank’s Relationship Managers or visit one of the bank’s nearest branches to learn more about the offer.

About Bridge Bank

Bridge Bank provides a comprehensive range of banking products, such as loan services including home, automotive, personal, and business loans, as well as deposit services, payroll and remittance services.

Bridge Bank’s vision and mission are “to be your preferred financial partner of today and generations to come,” and “to provide financial services you can trust through our global service standards, making banking simple and secure.”

Please visit us for more details via www.bridgebank.com.kh

About Borey Chankiri

Borey Chankiri, along with the development of a community mall to serve residents and visitors to the area. The development of the new expansion is erected on approximately 5-hectare plots of land, located at the front and east of the current development. With even more amenities for our borey’s residents such as floral gardens, yoga pavilions and meditation areas, we aim to provide a peaceful setting to relax and unwind, perfect for a multi-generational family lifestyle.

Phnom Penh – BRIDGE Bank, a leading commercial bank that offers comprehensive banking services, has partnered with East Asia Management University (“EAMU”) to provide internship opportunities as well as knowledge sharing and mentorship to their students. The collaboration between the bank and the university will offer students an opportunity to gain practical experience and a better understanding of the financial industry. To formalize this partnership, the management of the bank and the university presided in the auspicious Memorandum of Understanding that was signed at the Bridge Bank headquarters on Monday 22^nd January 2024.

The Memorandum of Understanding (“MOU”) was signed at the Bridge Bank headquarters by the bank management and the university representatives. “This is the first MOU that the bank has partnered with a university. We believe that Bridge Bank will be a place where we can groom many young new talents in Cambodia in the financial sector to develop this sector even better in Cambodia,” said Mr. Richard Liew, the CEO of Bridge Bank.

Mr. Richard Liew further added that the university has been playing a key role in ensuring the pipeline of talent in Cambodia, and he emphasized the importance of nurturing future talent in the workforce to take Cambodia forward through integrated education in the private sector. This collaboration between the academia frontier and industry is especially significant in maintaining Cambodia’s competitive edge, through producing the next generation of talented students who are thriving to produce new ideas, products, and services, at the speed necessary for market growth.

The partnership between Bridge Bank and EAMU will provide students with further competencies and preparation for their prospective vocation in the banking industry. The students will be trained according to international banking curriculum standards, which will cover lending and regulatory compliance. Education is one of the primary goals in Cambodia, and this collaboration is in line with the long-term strategy to support the development of capabilities for the stability of the country’s banking system said Prof. James Chua, Vice Chancellor of EAMU.

About EAMU

East Asia Management University (EAMU) is a private international university established in 2019 with a city campus in Phnom Penh, Cambodia. It is one of East Asia Education Group’s (EAGE) educational institutions that operate across the ASEAN, India, and China region, anchored by its ­flagship, the highly acclaimed East Asia Institute of Management (EAIM) in Singapore.

BRIDGE DEBIT CARD TERMS AND CONDITIONS

1. SCOPE

These Terms and Conditions apply to all BRIDGE Bank’s existing and new customers (Cardholders) who wish to use the BRIDGE Debit Card Service. Please note that any other terms and conditions related to the Cardholder’s Account(s), BRIDGE Mobile App services, and relationship with BRIDGE Bank will continue to apply and remain valid (unless specified otherwise in these Terms and Conditions).
To the extent such other terms and conditions of the products and/or services and the Terms and Conditions are in contradiction, the Terms and Conditions hereof shall prevail unless such other terms and conditions are expressed to apply instead to these Terms and Conditions.

2. DEFINITIONS

2.1 “Account(s)” refers to any account such as saving account, current account, fixed/term deposit account, or any other account of the Cardholder opened and maintained with BRIDGE Bank.
2.2 “Account Balance” refers to the available balance and/or balance of funds of the Cardholder’s Account(s) held with BRIDGE Bank.
2.3 “Application” means the prescribed application form for using of any Debit Card in paper form or in digital form, physically signed and submitted or digitally submitted by the Applicant (whichever applicable and approved by BRIDGE Bank in accordance with the Debit Card Terms and Conditions and other relevant applicable terms and conditions of BRIDGE Bank.
2.4 “Applicant” refers to the person who applies to use Debit Card issued by BRIDGE Bank by submitting the Application to BRIDGE Bank.
2.5 “BRIDGE Bank”, “The Bank” refers to BRIDGE BANK PLC., a commercial bank licensed by the National Bank of Cambodia to carry out banking operations in the Kingdom of Cambodia.
2.6 “BRIDGE Mobile App” or “BRIDGE Mobile” refers to a mobile application developed and made available by BRIDGE Bank and published to digital stores such as the App Store (IOS), Play Store (Android), or other methods supported by technologies platform from the globe and for BRIDGE Bank’s customers to download and install for the usage of accessing to BRIDGE Mobile Banking Services.
2.7 “BRIDGE Digital Channel”, and “BRIDGE Digital Banking” refer to the Bank products and services made available to service BRIDGE Bank’s customers electronically including but not limited to BRIDGE Cards Services, BRIDGE Mobile App, Corporate internet banking, ATM Terminal, and Cash-in Terminal, etc; the BRIDGE enable from time to time in the future.
2.8 “Card Scheme” means all international card payment network and brand in which BRIDGE Bank has business collaboration and partnership with including but not limited to VISA, Mastercard, and Union Pay International (UPI).
2.9 “Cardholder” refers to an individual to whom the Debit Card is issued. The Cardholder can be Primary Cardholder or Supplementary Debit Cardholder.
2.10 “Debit Card Account” refers to the account of the Cardholder opened and maintained with BRIDGE Bank linked to the Debit Card and to which BRIDGE Bank shall charge all sums which may be incurred by the Cardholder from the use of the Debit Card including without limitation to all Transactions and Fees and Charges payable in respect thereof.
2.11 “Know Your Customer” or “KYC” refers to the processes and requirements set out by BRIDGE Bank to fulfill and executed digitally and physically as and when BRIDGE Bank has entered any relationship with its customers.
2.12 “Merchant” refers to any business owner, in form of legal entity or individual, both Cambodia and foreign nationals, including its franchisees, granted the authority to accept the Debit Card as a means of payment for goods and/or services purchased by and delivered to the Cardholder.
2.13 “OTP” and/or “ePIN” refers to a 6-digit numeric code that is sent to the customer’s registered phone number in the Bank system(s). The code is used as a real-time verification of the ownership of the bank account(s) and/or request to access the Bank’s digital banking services.
2.14 “Partner” refers to a legal entity legally licensed by the competent authorities to operate financial services or non-financial services in Cambodia that has signed a partnership agreement with BRIDGE Bank in connection with business relationship collaboration for collecting of payment or bilateral and interoperability transfer under a certain legal arrangement.
2.15 “Personal Information” refers to the personal information provided by the Cardholder to BRIDGE Bank, including but not limited to the Cardholder full name, national identity number (NID or passport), date of birth, phone number, email, addresses, etc.
2.16 “PIN” or “Password” or “Login PIN” refers to the 6 digits numeric personal identification number of BRIDGE Mobile and Debit Card. It is set by the Cardholder and used for verification to access BRIDGE Mobile Banking, and/or the authorization of any of the Cardholder’s transactions transacted through BRIDGE Mobile and Debit Card at any time.
2.17 “Point of sale” or “(POS)” means is an electronic device used to process card transactions at the Bank counter or at any Merchant locations, including, but not limited to the device of other Banks and/or BRIDGE Bank payment network or Partner’s Network.
2.18 “Primary Cardholder” refers to the Applicant who files an Application with a request to use the Debit Card and whose request was approved by BRIDGE Bank.
2.19 “Quasi-Cash Transaction” refers to any transaction that is similar to cash withdrawal or easily converted to cash and/or that is, at the sole discretion of Bridge Bank, deems as cash transactions or cash withdrawal which includes without limitation to betting, casino gambling, lottery, cryptocurrencies, traveler’s cheque etc.
2.20 “Security Credential” refers to all secret information provided by the Bank and created by the customers which shall be used as part of authentication and verification during the processes of accessing the BRIDGE Mobile app including but not limited to user ID, registered phone number, National Identification Number, account number, card number, login PIN or password, OTP, other two-factor-authentication code, etc.“OTP” and/or “ePIN” refers to a 6-digit numeric code that is sent to the customer’s registered phone number in the Bank system(s). The code is used as a real-time verification of the ownership of the bank account(s) and/or request to access the Bank’s digital banking services.
2.21 “Services” refers to any services which may be provided by BRIDGE Bank to the Cardholder and available for them to access including but not limited to ATM transaction, Point of Sale transact, online purchase transaction, call center services, digital banking and/or bank services.
2.22 “Supplementary Cardholder” refers to any person who is authorized by the Primary Cardholder and agreed by BRIDGE Bank to use the Debit Card.
2.23 “Transaction” or “Banking Transaction” refers to any financial record or operation made or performed by the Cardholder or any person purporting to be the Cardholder, or any person purportedly acting on the Cardholder behalf, with or without the Cardholder’s consent, including but not limited to cash withdrawal, quasi-cash withdrawal, payments, fund transfer, or any amount charged for any products, goods, service, bill payment, phone top-up, purchase, and any other bank transactions, etc.
2.24 “BRIDGE Cards Loyalty and Cashback” refers to the loyalty program offering a reward to the Cardholder through the reward points redemption or cashback from using BRIDGE Cards services.

3. ELIGIBILITY

3.1 The customer who meets with the following requirement is eligible to apply for the Debit Card from BRIDGE Bank:
(a) has any Account(s) with BRIDGE Bank or has fulfilled all BRIDGE Bank Account opening requirement include but not limited to Know Your Customer (KYC) requirements; and

(b) has agreed to be bound by these Terms and Conditions by signing on the Debit Card  Application Form or by clicking on the “Accept” button via any BRIDGE Digital Channel  including, the Mobile App launched or Corporate Internet Banking.
3.2 The Debit Card can be applied by the customer at any branches of BRIDGE Bank or via BRIDGE Digital Channel in accordance with the relevant policies and procedure of BRIDGE Bank.
3.3 Joint Account: Where the account is in joint ownership, operated as anyone to sign/authorized as the account’s operating condition, the Bank may issue the Debit Card to any accountholder who requested for the Card, provided that all the joint accountholders are jointly and severally liable to the Bank for any use of the Debit Card hereunder. Should there be any change to mode of account operating conditions, the account holder(s) shall return all the issued Debit Card to the Bank at the time of the request and the Bank shall have no obligation or liability for any damage or loss arising from the unreturned Debit Card.
3.4 Notwithstanding the foregoing requirements, BRIDGE Bank reserves the right to assess the Applicant pursuant to its relevant assessment policies and procedures and may, at its sole discretion, reject any such application without having the obligation to provide any reason.

4. ISSUANCE AND ACTIVATION

4.1 The Card may be issued to the Applicant, subject to the sole discretion of BRIDGE Bank, after having obtained the Application Form and completion of assessment by BRIDGE Bank in accordance with its internal policies and procedures as well as applicable laws and regulations.
4.2 Personal Identification Number (“PIN”):
4.2.1 Upon issuance of the Debit Card, the first PIN will be sent via SMS to the Cardholder’s  phone number after the Debit Card has been activated through BRIDGE ATM or BRIDGE Mobile App. After having obtained the PIN, the Cardholder MUST promptly replace the PIN             which received from the Bank via BRIDGE ATM or BRIDGE Mobile App with a new 06-digit PIN.
4.2.2 The Cardholder is required to create its own PIN consisting of 06 numeric number which  shall not be in sequential digits (Example: 123456, or 987654), repeated number, Cardholder’s  mobile phone number, any date of birth or any number that is publicly known and easy to     guess as a PIN.
4.2.3 For safety reasons, Cardholder MUST, among other security measures:
a) not disclose the PIN to anyone or allow any person to use your Debit Card;
b) not allow your PIN to be accessible by any other person;
c) enter your own PIN correctly;
d) note that if you enter your PIN incorrectly for 3 (three) times, your card will be locked.
4.2.4 The Debit Cardholder may reset the PIN via BRIDGE ATM or BRIDGE Mobile App by   which the new PIN will be sent via SMS to the Credit Cardholder’s phone number. Upon  obtaining the new PIN, the Credit Cardholder has an option whether to use the new PIN that            was sent to the Debit Cardholder’s phone number or replace it with the Credit Cardholder’s  new  PIN.
4.3 No activation, the Bank reserves right to implement the procedure of compulsory card closure if it stays under “Not Activated” status more than 360 calendar days calculated from issued date.
4.4 No Usage, the Bank reserves the right to close the card if there is no usage more than 720 calendar days calculated from the card activation date.

5. CARD USAGE AND POSSESSION

5.1 The Applicant will be required to take the requested Debit Card once it is ready by any mean at the Bank’s arrangement or notice.
5.2 The Debit Card shall always remain the property of BRIDGE Bank and shall be surrendered to BRIDGE Bank immediately upon request.
5.3 The Cardholder shall be fully responsible, at all time, under no circumstances and, whether with or without knowledge, for the use or allow the Debit Card to affect any Transaction which would violate the laws of any jurisdiction. In such circumstances, the Bank may refuse to process any Transaction that violates any applicable law.
5.4 Any withdrawal of amounts standing to the credit of a the Cardholder’s Account or Transaction entered into by the Cardholder (or a person other than the Cardholder) using such Debit Card to make purchases of goods or services from Merchants and other entities in person, by mail order, telephone order, online, or by other means of communication will be directly debited from the respective Debit Card Account and BRIDGE Bank shall not be, under any circumstance, be liable and/or obliged to inquire into, examine or determine whether the Cardholder initiated, had knowledge of, or consented to the making of the withdrawal or the entrance into the Transaction.
5.5 All Transactions are effective as of the transaction date and will be processed and posted to the Debit Card and Debit Card Account according to the Bank system procedure.
5.6 The Cardholder may, at their own risk and discretion, add/save their Debit Card and Account number into any payment acceptance app as a future payment option for him/herself. This Service is meant to allow the Cardholder to pre-save their Card information including but not limited to full Card number, Account number, etc, for convenience and time saving purpose (i.e. for the subsequent payment and purchase in which Cardholder do not need to re-enter the full Card number again).
5.7 By using the Debit Card, the Cardholder agrees to settle all the disputes directly with the Merchant or the acquirer if any where the Debit Card has been transacted without prior contacting the Bank for initiating financial transaction dispute and the Cardholder is not entitled to set-off or counterclaim against BRIDGE Bank or to withhold payment to BRIDGE Bank by any reasons of such dispute with the Merchant or the member institution of card scheme.
5.8 Foreign Currency and Oversea Transaction:
5.8.1 Any transaction in foreign currency (other than US dollars) will be converted into US dollars based on the prevailing exchange rate determined by the relevant Card schemes and further convert to the Debit Card account’s currency follow BRIDGE Bank’s exchange rate policies.
5.8.2 All transactions in foreign currencies will be subject to an administrative fee on transaction amount or such other amount as determined by BRIDGE Bank and part of the Card’s service features.
5.9 Cash Transaction:
5.9.1 The Cardholder must clearly check the amount during withdrawal of any cash or payment before leaving the machine or concluding an online transaction.
5.9.2 Cash Withdrawals or payments and/or Quasi-Transaction made from Debit Card Account or BRIDGE Mobile App in any currency other than the currency of the relevant Debit Card Account(s) shall adhere to the exchange rate determined by BRIDGE Bank.
5.9.3 The Cardholder has the option to deposit cash in KHR or USD. If the originated Account’s currency is KHR or USD, the system will automatically convert it to the Account’s currency using the then exchange rate of BRIDGE Bank.
5.9.4 The Cardholder MUST NOT depositing any unfit notes through ATM, such as those that are dirty, wet, slippery, cracked, old, torn or holed notes, taped notes, or notes that are not functional/acceptable in the market. The Bank reserves the right to reject the deposit of such notes and the Bank shall not be held liable for any damage/loss resulting from the Cardholder’s failure to adhere to the restriction mentioned under this clause.
5.9.5 The Cardholder must not deposit counterfeit note(s). A transaction using counterfeit note(s) is subject to sole liability by the Cardholder under Cambodian laws, regardless of the circumstances.
5.10 Refund/Reversal:
5.10.1 BRIDGE Bank will only process to refund or reverse the amount of a transaction only when the fund is made available by the respective Merchant or third party. For avoidance of doubt, no advanced credit will be made available to the Cardholder.
5.10.2 Cardholders shall contact the Merchant directly for requesting for any transaction cancelation request including booking reservation or recurring payment transactions and/or amendment of any purchase agreement made between the Cardholder and the Merchant. BRIDGE Bank shall not be responsible for or liable for any amount of loss arising from late notification or cancellation by the Cardholder and/or the Merchants.
5.10.3 BRIDGE Bank reserves the right to block any refunded amount related or non-related to the transaction if there is no proper confirmation from the Cardholder or if BRIDGE Bank has not been able to identify the nature or any reasonable purposes of the refund. If the Cardholder has any indebtedness in relation to the transaction usage of the Debit Card due to the late process by the Merchant or received by BRIDGE Bank of any credit amount that shall be settled against the due outstanding amount, the Cardholder shall fully be responsible and liable for it. However, the Cardholder shall inform or contact BRIDGE Bank for any assistance if the issue is not peacefully resolved or there is no refund or adjustment has been received after 14 calendar days (Forten Calendar days) from the date of the credit instruction or agreed by the Merchant.
5.11 Block/Unblock the Debit Card:
Whenever the Cardholder wish to block or unblock the Debit Card, the Cardholder must inform BRIDGE Bank through BRIDGE’s contact center or visit the nearest BRIDGE Bank’s branch office or perform the blocking via BRIDGE Mobile App, whichever best fit. The use of Debit Card will be blocked or unblocked and restricted from BRIDGE’s system within one (01) working day latest after the receipt of the notification from the Cardholder or immediately if the Cardholder do it via the BRIDGE Mobile App according to app available function, provided however, the Cardholders will not be allowed to unblock the Card via BRIDGE Mobile App if it was blocked by BRIDGE Bank.
5.12 Hold/Freeze of the Transaction Amount:
5.12.1 BRIDGE Bank may real time debit or periodically freeze on the transaction amount from the available balance of the relevant Debit Card Account(s) either on the day it is presented to BRIDGE Bank for payment (including without limitation to a presentation by electronic means) or on the day BRIDGE Bank receives an authorization request or notice of the Debit Card transaction, whichever is earlier.
5.12.2 BRIDGE Bank reserve the right but not obligated to hold/freeze the Account(s) or Debit Card if there is any suspicious transaction is detected by BRIDGE Bank before contacting the Cardholder.
5.13 Restricted Act:
5.13.1 The Cardholder shall not use the Debit Card for the other purposes besides legitimate banking transaction both financial and non-financial transaction. The Cardholder shall perform transaction in accordance with the Terms and Conditions and shall not use the Debit Card for any purpose relating to any business prohibited by the Cambodian laws and regulations.
5.13.2 The Cardholder shall not act fraudulently or maliciously with respect to the use of Debit Card or commit any act against prohibited rule governed by BRIDGE Bank or relevant card payment network. Failure of which, the Cardholder shall be solely responsible for any legal actions and consequences thereof.
5.13.3 The Cardholder agree and understand that the Debit Card serve you in a purpose of allowing and offering the Cardholder as one of the ways to perform banking transaction and provide the Cardholder the convenience experience of banking transaction. Therefore, the Cardholder agree not to take any advantages from this offer at any time during the use of the Debit Card.
5.13.4 The Cardholder agree that BRIDGE Bank reserves the right to debit back all financial loss arising from all the Cardholder activities, if in the sole opinion of BRIDGE Bank deems that such acts are fraudulent and/or indicate the intention of taking advantage to gain the financial interest from BRIDGE Bank including but not limited to committing multiple financial transactions or testing with a small amount for gaining as financial income or its equivalent on foreign exchange rate fluctuation, or loyalty point, etc. For example, the customer performing multiple cross-currency fund transfers with a minimal transferred amount more than 5 times and financial loss has incurred to BRIDGE Bank from such act.

6. GENERAL RISK PROTECTION AND PREVENTION

6.1 The Cardholder shall always, regardless of any circumstance, be responsible and accountable for any unauthorized use of the Debit Card that has the access to the Debit Card information and its PIN or without PIN.
6.2 The issued Debit Card shall only be used by its Cardholder and shall not be leased, transferred, lent or resold. If the Debit Card is not kept or used properly or is lent/transferred to others, the Cardholder may suffer risk from financial loss.
6.3 All financial transactions involve a certain amount of risk. The Cardholder should be aware of any risk that might happen against you and the following precautions:
a) Do not share or let other person know or use your Debit Card information and/or PIN;
b) Never share your Debit Card information and/or PIN or any secret codes including an ePIN which is sent to your mobile phone to                       anyone including your family, friends, and/or institutions regardless of whatever reason;
c) Never record your PIN or Debit Card number anywhere but try to memorize it properly;
d) Ensure that your Card’s PIN remain confidential to you alone and make sure you take necessary step from disclosing it to other                          person;
e) Always ignore all calls, emails or requests even though it is the calls, emails or requests from BRIDGE Bank requiring you to input                      or tell your Debit Card’s PIN, ePIN or OTP. Please note that BRIDGE Bank or its staff will never call or send such emails or requests                        for your Debit Card’s PIN, ePIN, OTP or other Security Credential. If you encounter this, you shall report to BRIDGE Bank                                        immediately by contacting our contact center service telephone number 098 202 999 or 1800 202 999.
6.4 BRIDGE Bank may but not obligated to continually look at ways to minimize any unauthorized Transactions on the Debit Card of the Cardholder. BRIDGE Bank may use various techniques from time to time, including contacting the Cardholder after an unusual Transaction or series of Transactions to confirm that the Cardholder did in fact authorized the Transaction(s).
6.5 The use of Debit Card may be suspended if BRIDGE Bank and its staff detect or suspect that there are unusual activities to the Debit Card
6.6 The Debit Cardholder shall notify the Bank immediately by calling 098 202 999 or 1800 202 999 upon being aware either of the following:
a) The Card’s PIN is known, or assume that any one knows it;
b) The BRIDGE Mobile and Cards Security Credential of the Cardholder is taken over by anyone;
c) There is a suspect or an unauthorized transaction is made to the Debit Card.

7. CARD LIMIT

7.1 BRIDGE Bank may set limit to the amount and frequency of the Debit Card transaction (“Card Limit”). The limit will apply to each supported transaction type basis including but not limited to ATM cash withdrawal, transfer, online purchase, POS purchase, and so on.
7.2 Over Limit:
7.2.1 The Cardholder shall use the Debit Card only up to the Card Limit set by the Bank so as not to exceed the Card Limit and in case the Debit Card holder breaches the Card Limit, BRIDGE Bank may, at its absolute discretion, reserve the right, without prior notice, to:
(a) decline any transaction which exceed the Card Limit;
(b) suspend the use of the Debit Card by the Cardholder including any privileges thereof; and/or
(c) charge an over-limit fee as determined by BRIDGE Bank.
7.2.2 The authorization by BRIDGE Bank on any transaction which exceed the Card Limit shall not be deemed as the approval/authorization by BRIDGE Bank on the increase of the Card Limit. BRIDGE Bank may, at its sole discretion, demand immediate payment of any amount in excess of the Card Limit. The use of the Debit Card in excess of the Limit, without prior approval of BRIDGE Bank, shall be considered as a fraudulent act of the Cardholder.
7.3 Increase/Decrease of Debit Card Limit:
The Cardholder agrees and acknowledges that the Card Limit may be increased or decreased at the sole discretion of BRIDGE Bank whether applied for by the Cardholder or due to the history of the Debit Card Account and that such decision of BRIDGE Bank to increase or decrease the Debit Card Limit shall not subject to any prior written nor verbal confirmation by the Cardholder or prior notice to the Cardholder, provided however, the information will be made available through any channels that the Bank deems fit including but not limited to the Bank’s website, official social media, branch office and so on.

8. FEE AND CHARGES

8.1 The Debit Card holder shall pay all fees and charges (including without limitation to any applicable service fee of the Debit Card, Transaction fee.. etc) associated with the use of Debit Card pursuant to BRIDGE Bank Debit Card Fees and Charges (“Fees and Charges”) which may be modified from time to time at sole discretion of the Bank and will be made available to the Cardholder via any channel which BRIDGE Bank deems fit including but not limited to the BRIDGE Bank’s website, official social media, branch offices etc. The Fee and Charges will be debited from the Debit Card Account.
8.2 The Cardholder irrevocably agree and authorize BRIDGE Bank to automatically debit from the Debit Card Account at any time in respect of any sum amount due and owe to the Bank by the Cardholder whether in respect of a Card transactions, Fee and Charges or otherwise and notwithstanding that the Debit Card Account would be overdrawn as a result.
8.3 Without prejudice to any other rights of the Bank, if the Cardholder fails to pay relevant Fees and Charges, the Bank has the right to directly deduct such amount of the Fees and Charges from any Account(s) of the Cardholder at the Bank and completely or partially terminate or suspend all or part of banking services available to the Cardholder. Where the account does not have sufficient fund to deduct such fees, the Bank reserves the right to deny any further transactions without prejudice to any remedies the available to the Bank under this Terms and Conditions, other applicable terms and conditions and applicable laws and regulations.
8.4 The Cardholder shall be liable to pay for all goods and services tax including but not limited to all other taxes and government charges imposed by government ministry or Card Scheme on or payable for any transaction amount or usage of card services that incurred on or debited to the Account(s). The Bank is entitled to debit the amount of such tax(es) or charges to the Debit Card Account(s) or any Account(s) of the Cardholder hereunder.

9. VALIDITY, RENEWAL, SUSPENSION, AND TERMINATION OF THE DEBIT CARD

9.1 Validity and Renewal:

9.1.1 The Debit Card will be valid from the date of its issuance until its expiry date shown on the Debit Card and may be renewed automatically upon its expiration accordance to the Bank‘s policy and system behavior. If there is no renewal, the Card shall be destroyed upon the expiration of the validity period of the Debit Card according to the Bank’s policies and procedure.
9.1.2 In case of renewal, for Physical Debit Card, the new physical card will be generated and prepared for the Debit Cardholder to pick up at the Bank’s arrangement. For Virtual Debit Card, the validity of the Card will be automatically renewed.
9.1.3 BRIDGE Bank may, at its sole discretion, amend the Card number and/or expiry date when issuing a renewal or replacement Card to the Cardholder. The Cardholder is solely responsible for communicating this change to any party with whom the Cardholder may have payment arrangements. BRIDGE Bank will not be responsible for any consequences or damage to the Cardholder arising from declined transactions, whether under the former Card number or otherwise.

9.2 Termination:

9.2.1 Termination by Debit Card Holder: The Debit Card may be terminated by the Debit Card holder only upon written notification of the Cardholder and subject to the full settlement by the Debit Cardholder of any amount due incur on the Debit Card. Upon such notice of termination, no further transaction on the Account may be made by any Supplementary Cardholder. The termination of the Debit Card shall be effective on or before the fourteen (14) Business Days upon all conditions provided under this clause has been satisfactorily completed.
9.2.2 Termination by BRIDGE Bank: BRIDGE Bank may, in its discretion and without prior notice to the Cardholder, suspend or terminate the Debit Card issuance and use at anytime and for whatever reason.
9.2.3 Effect of Termination/Expiration of the Debit Card: Upon the termination/expiration of the Debit Card:
a) The Principle Cardholder and/or Supplementary Cardholder shall not use and/or permit anyone to use the Debit Card for any reason                     whatsoever after these events including any suspension thereof and/or upon the Cardholder ceasing to be the BRIDGE Bank’s                                 customer. Continued use of the Debit Card thereafter shall be considered as a fraudulent act by the Cardholder;
b) The Cardholder shall repay to BRIDGE Bank the amount due incur on the Debit Card in full including, without limitation to all unpaid                    Fees and Charges and other associated costs and expenses which will become immediately due and payable without notice or demand                    by BRIDGE Bank.
c) The Debit Card shall be promptly returned to BRIDGE Bank no later than fourteen (14) Business Days otherwise the Bank is entitled to                 impose fee charge as determined by the Bank.

10. INTEREST

10.1 No interest payment will be provided to the Cardholder by Bank for the use of Debit Card. However, the Cardholder may receive an interest payment based on the account product’s features in respect to the account type that is linked with the Debit Card.

11. LOYALTY AND CASHBACK PROGRAM

11.1 The Loyalty Reward Points or Cashback is only rewarded to retail purchase and/or an online transaction (both local and/or international) made by Principal and/or Supplementary Cardholder with BRIDGE Card(s) for personal consumption only. If the Bank, in its reasonable opinion, deems the purchases were made for business and commercial related purpose/consumption, BRIDGE Bank reserves the right not to award the Loyalty Reward Points or Cashback.
11.2 The Loyalty Reward Point(s) or Cashback earned on a transaction will be credited to the Cardholder’s Account only after the transaction has been successfully settled by the merchant. BRIDGE Bank reserves the right to withhold or revoke cashback or reward points for transactions that remain unsettled and have not been claimed or redeemed after the program’s expiration date.
11.3 The following transactions/charges shall NOT be qualified for the reward:
i. Refunded, reversed, disputed, unauthorized, fraudulent retail transactions or found to be invalid;
ii. Cash Withdrawal, Cash/Quasi-Cash Transactions, annual fees, interest accumulated, late payment charges, finance charges, and other                    miscellaneous charges;
iii. Any other exclusions will be notified from time to time with prior notice.
11.4 Notwithstanding the foregoing, the Bank may, from time to time, at its sole discretion and in accordance with its internal policy, exclude transactions made with certain merchants or under certain acceptance programs from earning Loyalty Reward Points or Cash Back, without providing notice regarding the type, name, or location of the merchant.

11.5 BRIDGE Bank reserves the right to debit the Loyalty Cashback amounts or adjust the Loyalty Reward Points previously credited to the cardholder’s account if the corresponding transaction(s) falls under any condition as set out under clause 11.1 and 11.3 hereof. This adjustment may be reflected in the same statement or a subsequent statement as deemed appropriate by the Bank. If the Cashback or Points balance is insufficient for such an adjustment, the Bank may debit the amount from the Cardholder’s Account(s) or demand repayment.

11.6 The Cardholder shall not engage in any fraudulent activity, including but not limited to collusion with merchants to manipulate transactions for the purpose of earning the Loyalty cashback or point from the Bank. Any such activity will lead to forfeiture of Cashback or Points, termination of card privileges, and possible legal action.

11.7 Upon the cancellation or termination of the BRIDGE Bank Card or Account(s), regardless of whether the cancellation or termination is made by BRIDGE Bank or the Cardholder at any time for any reason, all accumulated Loyalty Reward Points and/or unused Cash-Back accrued shall automatically be cancelled.

11.8 BRIDGE Bank reserves the right to amend partially or entirely or terminate the Loyalty Reward Point and Loyalty Cash-Back program at any time at the Bank’s sole discretion with prior notice either through the announcement on BRIDGE Bank’s website at bridgebank.com.kh, BRIDGE Mobile App, direct contact via phone call or SMS notification, electronic email or any other means of communication that may be deemed fit by the Bank.

12. CARDHOLDER ACKNOWLEDGEMENT

By accepting this Terms and Conditions, the Cardholder hereby:
a) acknowledge that the Debit Card will be linked and used to activate their BRIDGE Mobile Application which all the Debit Card information and all accounts number shall be displayed in the BRIDGE Mobile App of the Cardholder.
b) acknowledge that by accepting the relevant terms and conditions when performing an online payment and/or add/save the Debit Card number in any e-commerce platform/application shall constitute that the Cardholder has fully accepted and agreed to allow the respective e-commerce platform/application or BRIDGE online payment platform to store the full or partial Debit Card and/or Account information for future transaction where all risks and consequences arising out of or in connection with the forgoing shall be solely borne by the Cardholder;
c) undertake not to share or disclose the information especially Merchant information either in full or in partial to any third parties. Failure of which, the Cardholder acknowledge and agree that he/she shall be solely liable for any damage or loss which is suffered by BRIDGE Bank and/or third party including consequential loss and regulatory fines which resulted from such unauthorized disclosure either directly or indirectly.
d) agree that BRIDGE Bank, with sufficient evidence, reserves the right to cancel or suspend the Cardholder Account(s) and/or transaction during its financial accounting reconciliation at any time without providing prior notice to the Cardholder. BRIDGE Bank reserves the right to perform miscellaneous adjustment either debit or credit in order to correct accounting transaction and financial report. Under such circumstances, BRIDGE Bank might not be able to cancel or make adjustment immediately as per Cardholder request or other means.
e) agree and understand that the exchange rate and calculation presented shall perform during transaction and the calculation will be taken place between the transaction currency and your Debit Card Account currency when it is different. The Cardholder acknowledges that the exchange rate applied to the transaction is the actual transaction rate and it may be different from exchange rate presented via BRIDGE Bank’s channel such as in BRIDGE Mobile Banking, Counter, or Website.
f) understand that the balance recorded in the Debit Card Account will be the current balance as at the time the Cardholder makes the enquiry using Debit Card or Mobile App. However, there may be circumstances, for example, systems failures and technical difficulties, which may cause the Account balance information to be not reported on a real time basis.
g) understand that the Debit Card may be linked to more than one account for the same or different account currencies based on how many accounts the Cardholder held with BRIDGE Bank. The Cardholder further agrees that BRIDGE Bank shall send the list of the available Account(s) and its information for the Cardholder verification and selection when performing any type of transaction.
h) acknowledge that BRIDGE Bank may from time to time, at its discretion, tie-up with various agencies to offer features on the Debit Card which would be on a best-efforts basis only, and that BRIDGE Bank does not guarantee or warrant the efficiency and service quality of such features.
i) undertake to provide, at all time, all information and documents to BRIDGE Bank upon request or required by competent authorities.
j) undertake to be responsible for and take all reasonable care to ensure that the information that is/to be provided to BRIDGE Bank in relation to the use of Debit Card is true, complete, accurate, and up-to-date.

          k) Linking of accounts to Debit Card: upon issuance of a Debit Card by BRIDGE Bank, all eligible Account(s)                              maintained by the Cardholder under the same Customer Information File (CIF) will be automatically linked to the                   Debit Card. The Cardholder may, at any time, submit a written or electronic request (subject to availability) to the Bank           to delink one or more of such Account(s). The delinking of any Account is subject to the Bank’s internal policies,                         procedures, and approval. The Bank reserves the right to reasonably decline such request , if the Bank deems fit.

l) Visa Account Updater (VAU): The BRIDGE Bank participates in the Visa Account Updater (VAU) service, which                     enables the secure and automatic updating of card information (such as card number and expiration date) to                              participating merchants with whom the Cardholder has stored card credentials (e.g., for recurring billing, subscriptions,          or credential-on-file transactions which is stored by granting permission to make payment through the merchant).

By activating or using the Card, the Cardholder acknowledges and authorizes the Bank to share such updated card                    information through the VAU service to help prevent disruption to the ongoing payment arrangements automatically.              This includes updates of the issued card as a result of card replacement, or renewal.

The Cardholder has the right to opt out of this service at any time by contacting the Bank. Upon receiving opt-out                      request, the Bank will take reasonable steps to prevent your updated card information from being shared with                            participating merchants.

The Bank shall not be held liable for any financial loss, unauthorized transactions, or payment disruptions that may                  occur as a result of the sharing of updated card information through VAU or due to the Cardholder’s failure to opt out of          the service. The Cardholder remains solely responsible for all transactions made with their Card, whether or not they                were aware of or authorized such transactions.

13. LIABILITY

13.1 Liability of Cardholder:
The Cardholder shall be fully liable for the performance of all obligations provided hereunder, take all necessary actions to comply with the security measures, be liable for all transactions performed under the use of the Debit Card whether or not such use is authorized by or known to the Cardholder.
As soon as the Cardholder is aware of the Debit Card has been lost, stolen, or used without their permission, the Cardholder must inform BRIDGE Bank right away (as outlined in Clause 17.1) and follow BRIDGE Bank instructions to stop using the Debit Card. The Cardholder shall be solely responsible for any unauthorized/unlawful withdrawals or transactions that take place before the Cardholder notifies BRIDGE Bank of the loss, theft, or unauthorized use.
Unless agreed otherwise by BRIDGE Bank, the Principal Cardholder shall be responsible for all liabilities and obligations of the Principal Cardholder as well as those of the Supplementary Cardholder. The Supplementary Cardholder, however, shall only be responsible for his/ her own liabilities and obligations.
13.2 Disclaimer and Exclusion of Liability:
BRIDGE Bank makes no representations, warranties, or conditions of any kind, express or implied, with respect to the Debit Card service, including fitness for a particular purpose or any warranty arising by usage of trade, course of dealing, or course of performance. BRIDGE Bank does not represent or warrant that the Debit Card service will always be accessible or function.
BRIDGE Bank shall have no liability for any incidental, indirect, or consequential damages (including without limitation loss of profit, revenue, or usage), or other damages arising out of or in any way connected with the Terms and Conditions. In no event shall BRIDGE Bank have any liability for unauthorized access to, use or alteration, theft, or destruction of the Debit Card through accident, misuse or fraudulent means or devices by the Cardholder or any third party, or as a result of any delay or mistake resulting from any circumstances beyond the Bank’s control.

14. INDEMNITY

To the extent permitted by law, the Cardholder shall indemnify and hold BRIDGE Bank harmless against any losses or damages which BRIDGE Bank may suffer due to any claims, demands or actions of any kinds brought against BRIDGE Bank arising directly or indirectly or in connection with the use or misuse or unauthorized use of the Debit Card, breach of any provision of or act negligently or fraudulently in connection with the this Terms and Conditions by the Cardholder.

15. NOTIFICATION AND ALERT

15.1 By using the Debit Card, the Cardholder agrees that BRIDGE Bank may send or may be requested to send an SMS to the mobile device or push a notification to the BRIDGE Mobile Application installed in the mobile phone/device of the Cardholder. BRIDGE Bank shall not be liable for any losses or damages incurred to or suffered by the Cardholder if there is any person fully or partially seeing, viewing, or accessing the content of those messages.
15.2 The Cardholder might incur the charge from the mobile operator for the receipt of such message or push notification by which such charges shall be borne by the Cardholder.

16. ANTI-MONEY LAUNDERING/COMBATING OF FINANCING OF TERRORISM /SANCTIONS

16.1 The Cardholder agrees that BRIDGE Bank may delay, block, or refuse to process any transaction with or without prompt advice of its refusal to the Cardholder without incurring any liability if BRIDGE Bank suspects and/or find that:
a) the transaction may breach any laws in Cambodia or any other countries that are involved in regulating BRIDGE Bank’s business                           operations and execution.
b) the transaction may directly or indirectly involve the proceeds of or be applied for the purpose of unlawful conduct; or
c) there is any instruction from the regulator including but not limited to instruction from the National Bank of Cambodia.
16.2 The Cardholder agrees to provide all information to BRIDGE Bank that BRIDGE Bank reasonably requires in managing risk or complying with applicable laws and regulations relating to financial crime activities and law.
16.3 The Cardholder agree that BRIDGE Bank may disclose any information relating to them, their transactions, and their Account(s) in which the funds are deposited in case any law enforcement, regulatory agency, or court require BRIDGE Bank to do so under any such law in Cambodia or elsewhere.
16.4 The Cardholder assure to BRIDGE Bank that the acceptance and/or payment of money by BRIDGE Bank in accordance with your instructions will not breach any laws in Cambodia or any other applicable law.

17. OTHER PROVISIONS

17.1 Inquiry, Errors, Questions, and Complaints
17.1.1 Please contact BRIDGE’s contact center 098 202 999 or 1800 202 999 for any immediate support, inquiry, or any discrepancy or an error that has occurred in any transaction or complaints.
17.1.2 The Cardholder may also visit the head office or branches of BRIDGE Bank for any assistance during BRIDGE Bank’s business hours from 8:00 AM to 16:00 PM and 5 (five) days a week, from Monday to Friday, which may be revised by BRIDGE Bank from time to time.
17.2 Amendment and Notice:
17.2.1 BRIDGE Bank reserves the right to amend the Terms and Conditions, Fees and Charges from time to time without prior notice, provided however, the revised version will be made available on various channel including but not limited to BRIDGE Bank’s website at www.bridgebank.com.kh, display at BRIDGE Bank’s head office and branches or public announcement/advertisement, BRIDGE Mobile App, direct contact via phone call or SMS notification, or other electronic notices generated within BRIDGE Bank’s system.
17.2.2 The Cardholder agrees and accepts that BRIDGE Bank may also use the methods outlined above as a means of providing the Cardholder with other notices.
17.3 Intellectual Property:
All intellectual property used in connection with the provision of the Debit Card service is under the sole ownership of BRIDGE Bank. Without BRIDGE Bank prior written consent, information provided to the Cardholder as part of the Debit Card services shall be for personal use only and shall not be duplicated, disseminated, or sent to any other person or integrated into any other document.
17.4 Customer Declaration:
17.4.1 The Cardholder declare that all information provided to BRIDGE Bank is correct, true, and the up to date. The Cardholder further confirm that they have read, understood, and agreed to be bound by the Terms and Conditions governing the use of the Debit Card including the General Terms and Conditions of BRIDGE Bank.
17.4.2 The Cardholder must notify BRIDGE Bank immediately if there is any change to their personal details which was previously provided to BRIDGE Bank. BRIDGE Bank will not be responsible or liable for any errors or losses suffered by the Cardholder associated with the changes where such changes have not been notified to BRIDGE Bank.
17.5 Privacy and Consent to Disclosure of Information:
17.5.1 The Cardholder acknowledge and agree that BRIDGE Bank is collecting their personal information, instructions, particulars of the Account, POS records and transaction details on their Account(s) (collectively referred to as “Information”) for the purpose of providing the Cardholder with Debit Card Services.
17.5.2 The Cardholder agrees that the Bank is entitled, in its absolute discretion, at any time and without notice or liability, to disclose the Information to:
a) any person engaged by BRIDGE Bank to carry out or assist its functions and activities;
b) any subsidiary, partners, or payment networks of BRIDGE Bank, and any of BRIDGE Bank’s head office; branches, sub-branches, agents, correspondents, agencies, or representative offices;
c) BRIDGE Bank’s auditors and professional advisors including its lawyers;
d) BRIDGE Bank’s stationery printers who are the vendors of the computer systems used by BRIDGE Bank and to such person(s) installing and maintaining the same and other suppliers of goods or service providers engaged by BRIDGE Bank;
e) any rating agency, business alliance partner, insurance company, insurer, insurance broker, or direct or indirect provider of credit protection;
f) any joint account holder(s) of the account or any person authorized to operate the account or any guarantor or security provider of the account;
g) the merchants that accept the card;
h) the members of the Card Scheme where the cardholder or the card interact with;
i) any BRIDGE Bank’s payment partners who involved in the transaction authorization of the cards.
j) any person for marketing or promoting any services or products whether by BRIDGE Bank or any third party;
k) any person to whom disclosure is permitted or required by any statutory provision by-laws;
l) Credit Bureau Cambodia (CBC), of which BRIDGE Bank is member or subscriber or credit reference agent;
m) any governmental agencies and authorities in the Kingdom of Cambodia and/or elsewhere.
17.6 Governing Law, Dispute Resolution and Jurisdiction:
17.6.1 The Terms and Conditions shall be governed and construed in accordance with the laws of the Kingdom of Cambodia.
17.6.2 Cardholder Dispute with BRIDGE Bank: Any dispute or claim arising out of or relating to the Terms and Conditions or use of the Debit Card service and the Cardholder’s relationship with BRIDGE Bank will be resolved by BRIDGE’s Contact Center in compliance with the Customer Suggestion and Complaint Management Policy or another equivalent to the BRIDGE Bank’s standard operating procedures. If the dispute is not resolved within this period, the dispute shall be referred to the exclusive jurisdiction of Cambodian court.
17.6.3 Cardholder Dispute with Third Party: Please note that BRIDGE Bank shall bear no responsibility for any of the Cardholder disputes arising with any third parties in connection with the transaction performed by the Cardholder using the Debit Card and/or any of their Account(s).
17.6.4 If there is any issue concerning the Account(s) balance and transaction of the Debit Card or on their billing statement, the Cardholder shall inform BRIDGE Bank within 07 calendar days commencing from the transaction date. The Cardholder acknowledge that BRIDGE Bank reserves the right to not solve the issue at BRIDGE Bank’s sole discretion if the Cardholder fail to notify BRIDGE Bank within the specified timeframe.
17.6.5 Such dispute against the transaction transacted with partner’s channel of BRIDGE Bank or processed through card scheme’s payment network, the dispute shall be remedy in accordance with the dispute resolution of BRIDGE Bank and the relevant card schemes.

BRIDGE CREDIT CARDS TERMS AND CONDITIONS

1.   SCOPE

These Terms and Conditions apply to all BRIDGE Bank’s existing and new customers (Credit Cardholders) who wish to use the Credit Card service of BRIDGE Bank. Please note that any other terms and conditions related to the Credit Cardholder’s Account(s), BRIDGE Mobile App services, and relationship with BRIDGE Bank will continue to apply and remain valid (unless specified otherwise in these Terms and Conditions).
To the extent such other terms and conditions of the products and/or services and the Terms and Conditions are in contradiction, the Terms and Conditions hereof shall prevail unless such other terms and conditions are expressed to apply instead to these Terms and Conditions.

2.   DEFINITIONS

2.1 “Account(s)” refers to any account such as saving account, current account, fixed/term deposit account, or any other account of the Credit Cardholder opened and maintained with BRIDGE Bank.
2.2 “Account Balance” refers to the available balance and/or balance of funds of the Credit Cardholder’s Account(s) held with BRIDGE Bank.
2.3 “Application” means the prescribed application form for using of any Credit Card in paper form or in digital form, physically signed and submitted or digitally submitted by the Applicant (whichever applicable and approved by BRIDGE Bank in accordance with the Credit Card Terms and Conditions and other relevant applicable terms and conditions of BRIDGE Bank.
2.4 “Applicant” refers to the person who applies to use Credit Card issued by BRIDGE Bank by submitting the Application to BRIDGE Bank.
2.5 “Auto Direct Debit” or “Autopay” means the request instructed by the Credit Cardholder in a purpose of authorizing the Bank to process the debit transaction of the Credit Card’s due billing amount in the current and latest Credit’s Card statement from the Credit Card Account and/or any Account(s) maintained with the Bank.
2.6 “Billing” or “Statement” or “Credit Card Statements” mean the summary of the transactions record and other credit’s billing detail and its summarization issued to the Cardholder in the purpose of notifying and demanding for repayment where it lists all the periodically Credit’s Card settled transactions, interest amounts, fee and charge, credit transactions, repayments, adjustments, total outstanding, minimum payment due, and so on which are generated by the Bank’s credit card system. The Credit Card Statement can be viewed/downloaded by the Credit Card Holder via the BRIDGE Mobile App and/or email that is sent by the Bank on a monthly basis.
2.7 “BRIDGE Bank”, “The Bank” refers to BRIDGE BANK PLC., a commercial bank licensed by the National Bank of Cambodia to carry out banking operations in the Kingdom of Cambodia.
2.8 “BRIDGE Mobile App” or “BRIDGE Mobile” refers to a mobile application developed and made available by BRIDGE Bank and published to digital stores such as the App Store (IOS), Play Store (Android), or other methods supported by technologies platform from the globe and for BRIDGE Bank’s customers to download and install for the usage of accessing to BRIDGE Mobile Banking Services.
2.9 “BRIDGE Digital Channel”, and “BRIDGE Digital Banking” refer to the Bank products and services made available to service BRIDGE Bank’s customers electronically including but not limited to BRIDGE Cards Services, BRIDGE Mobile App, Corporate internet banking, ATM Terminal, and Cash-in Terminal, etc; the BRIDGE enable from time to time in the future.
2.10 “Card Scheme” means all international card payment network and brand in which BRIDGE Bank has business collaboration and partnership with including but not limited to VISA, Mastercard, and UnionPay International (UPI).
2.11 “Cash Advance” or “Cash Transaction” or “Cash Withdrawal” means the disbursement of cash in any currency obtained by the Credit Cardholder using the BRIDGE Bank Credit Card and any financial transaction transacted through BRIDGE Mobile App where the credit limit is used as a source of fund.
2.12 “Credit Limit” or “Credit Line” means the maximum credit limit available to the Credit Cardholders which the Bank has granted from time to time at the Bank’s sole discretion according to the Bank’s internal credit policy where the Credit Cardholder can use to perform any financial transactions including Retail purchases or Cash transaction.
2.13 “Credit Cardholder” or “Cardholder” refers to an individual to whom the Credit Card is issued. The Cardholder can be Primary Credit Cardholder or Supplementary Credit Cardholder.
2.14 “Credit Card Account” refers to the account of the Cardholder opened and maintained with BRIDGE Bank linked to the Credit Card and to which BRIDGE Bank shall charge all sums which may be incurred by the Credit Cardholder from the use of the Credit Card including all interests, Fees and Charges payable in respect thereof.
2.15 “Due Date” refers to the date on which the Outstanding Balance on the Credit Card Account is due and which date is clearly stated in the Credit Card Statement. If the Due Date falls on Saturday, Sunday, holidays, or any nonoperating days of BRIDGE Bank, the Outstanding Balance shall be paid prior to the Due Date.
2.16 “Grace period” refers to the period that the Bank offer to the Credit Cardholder for making the repayment which the interest charge will be free for the used of Retail Purchases.
2.17 “Know Your Customer” or “KYC” refers to the processes and requirements set out by BRIDGE Bank to fulfill and executed digitally and physically as and when BRIDGE Bank has entered any relationship with its customers.
2.18 “Merchant” refers to any business owner, in form of legal entity or individual, both Cambodia and foreign nationals, including its franchisees, granted the authority to accept the Credit Card as a means of payment for goods and/or services purchased by and delivered to the Cardholder.
2.19 “Outstanding Balance” refers to the total balance that the Cardholder owes and shall be repaid to BRIDGE Bank on the Due Date, which balance comprises of all transaction amounts performed under the Credit Card, Fees and Charges, and interest accrued in connection with the usage of the Credit Card.
2.20 “Interest” or “Interest Amount” refers to the amount charged to the Credit Cardholder in connection with the Cash Advance or Cash Withdrawal equivalent amount calculated from the transaction date and the usage of Retail Amount which the repayment has not been made within the repayment’s Grace Period set by BRIDGE Bank’s policy.
2.21 “Retail amount” or “Retail Purchase” refers to the usage amount of the Credit Card which the Bank system has classified as retail in a purpose of allowing of the free interest charge if the repayment is made no later than qualified Credit Card repayment grace period such as POS and e-Commerce purchase.
2.22 “OTP” and/or “ePIN” refers to a 6-digit numeric code that is sent to the customer’s registered phone number in the Bank system(s). The code is used as a real-time verification of the ownership of the bank account(s) and/or request to access the Bank’s digital banking services.
2.23 “Partner” refers to a legal entity legally licensed by the competent authorities to operate financial services or non-financial services in Cambodia that has signed a partnership agreement with BRIDGE Bank in connection with business relationship collaboration for collecting of payment or bilateral and interoperability transfer under a certain legal arrangement.
2.24 “Personal Information” refers to the personal information provided by the Credit Cardholder to BRIDGE Bank, including but not limited to the Credit Cardholder full name, national identity number (NID or passport), date of birth, phone number, email, addresses, etc.
2.25 “PIN” or “Password” or “Login PIN” refers to the 6 digits numeric personal identification number of BRIDGE Mobile and Credit Card. It is set by the Credit Cardholder and used for verification to access BRIDGE Mobile Banking, and/or the authorization of any of the Credit Cardholder’s transactions transacted through BRIDGE Mobile and Credit Card at any time.
2.26 “Point of sale” or “(POS)” means is an electronic device used to process card transactions at the Bank counter or at any Merchant locations, including, but not limited to the device of other Banks and/or BRIDGE Bank payment network or Partner’s Network.
2.27 “Primary Credit Cardholder” refers to the Applicant who files an Application with a request to use the Credit Card and whose request was approved by BRIDGE Bank.
2.28 “Quasi-Cash Withdrawal” refers to any transaction that is similar or easily converted to cash and that is, at the sole discretion of Bridge Bank, deems as Cash Advance/Cash Transaction/Cash Withdrawal which includes without limitation to betting, casino gambling, lottery, cryptocurrencies, traveler’s cheque etc.
2.29 “Security Credential” refers to all secret information provided by the Bank and created by the customers which shall be used as part of authentication and verification during the processes of accessing the BRIDGE Mobile app including but not limited to user ID, registered phone number, National Identification Number, account number, card number, login PIN or password, OTP, other two-factor-authentication code, etc.“OTP” and/or “ePIN” refers to a 6-digit numeric code that is sent to the customer’s registered phone number in the Bank system(s). The code is used as a real-time verification of the ownership of the bank account(s) and/or request to access the Bank’s digital banking services.
2.30 “Secured Liability” shall have the meaning as defined under the relevant Facility/Loan Agreement between the Credit Cardholder and the Bank.
2.31 “Services” refers to any services which may be provided by BRIDGE Bank to the Credit Cardholder and available for them to access including but not limited to ATM transaction, Point of Sale transact, online purchase transaction, call center services, digital banking and/or bank services.
2.32 “Supplementary Credit Cardholder” refers to any person who is authorized by the Primary Credit Cardholder and agreed by BRIDGE Bank to use the Credit Card.
2.33 “Transaction” or “Banking Transaction” refers to any financial record or operation made or performed by the Credit Cardholder or any person purporting to be the Credit Cardholder, or any person purportedly acting on the Credit Cardholder behalf, with or without the Credit Cardholder’s consent, including but not limited to cash withdrawal, payments, fund transfer, or any amount charged for any products, goods, service, bill payment, phone top-up, purchase, and any other bank transactions, etc.
2.34 “BRIDGE Cards Loyalty and Cashback” refers to the loyalty program offering a reward to the Cardholder through the reward points redemption or cashback from using BRIDGE Cards services.
2.35 “Credit Card Repayment via KHQR” refers to a static KHQR code specification that is used to deployed and print onto the credit card statement. Hence, the credit cardholder can use BRIDGE Mobile App, Bakong Wallet or Bakong Member’s Mobile App to scan the QR code for paying BIRDGE Credit Card.

3.   ELIGIBILITY

3.1 The customer who meets with the following requirement is eligible to apply for the Credit Card from BRIDGE Bank:

             a) Cambodian or foreign nationals who are 18 years of age for a Primary Credit Card, and at least 16 years of age for a                  Supplementary Credit Card.

b) Has Account(s) with BRIDGE Bank or has fulfilled all BRIDGE Bank Account opening requirement include but not                  limited to Know Your Customer (KYC) requirements; and

c) has agreed to be bound by this Terms and Conditions by signing on the Credit Card Application or by clicking on the                  “Accept” button via any BRIDGE Digital Channel including, the Mobile App launched or Corporate Internet                               Banking; and/or

d) has created or provided security interest over any Account(s) or any movable or immovable property legally owned                   by the Applicant or any third-party subject to requirement of BRIDGE Bank.

3.2 The Credit Card can be applied by the customer at any branches of BRIDGE Bank or via BRIDGE Digital Channel in accordance with the relevant policies and procedure of BRIDGE Bank.
3.3 Joint Account: Where the account is in joint ownership, operated as anyone to sign/authorized as the account’s operating condition, the Bank may issue the Credit Card to any accountholder who requested for the Credit Card, provided that all the joint accountholders are jointly and severally liable to the Bank for any use of the Credit Card hereunder. Should there be any change to mode of account operating conditions, the account holder(s) shall return all the issued Credit Card to the Bank at the time of the request and the Bank shall have no obligation or liability for any damage or loss arising from the unreturned Credit Card.
3.4 Notwithstanding the foregoing requirements, BRIDGE Bank reserves the right to assess the Applicant pursuant to its relevant assessment policies and procedures and may, at its sole discretion, reject any such application without having the obligation to provide any reason.
3.5 Security Interest:
3.5.1 The Applicant may be required to create a security interest in certain amount of cash in the Account(s), or in any movable or immovable property legally owned by the Applicant or any third-party to secure the total Outstanding Balance (“Collateral”), unless otherwise agreed by BRIDGE Bank. In such a case, the Credit Cardholder agrees to execute valid and enforceable security relevant documents as required by BRIDGE Bank to ensure that BRIDGE Bank will have first priority security interest over the Collateral which can be asserted against any third party.
3.5.2 If the Applicant has any other secured facilities with BRIDGE Bank, regardless of whether or not the Applicant is required to execute further security document by the Bank, the Applicant irrevocably agree and authorize BRIDGE Bank to further create security interest over the existing Collateral to secure the total Outstanding Balance owes to BRIDGE Bank as result of using the Credit Card to be issued by BRIDGE Bank which shall be formed as integral part of the Secured Liability thereunder.
3.5.3 If required by BRIDGE Bank, the Credit Cardholder agrees to execute valid and enforceable security relevant documents to ensure that BRIDGE Bank shall have first priority security interest over the Collateral which can be asserted against any third party.

4. ISSUANCE AND ACTIVATION

4.1 The Credit Card may be issued to the Applicant, subject to the sole discretion of BRIDGE Bank, after having obtained the Application Form and completion of assessment by BRIDGE Bank in accordance with its internal policies and procedures as well as applicable laws and regulations.
4.2 Personal Identification Number (“PIN”):
4.2.1 Upon issuance of the Credit Card, the first PIN will be sent via SMS to the Credit Cardholder’s phone number after the Credit Card has been activated through BRIDGE ATM or BRIDGE Mobile App. After having obtained the PIN, the Credit Cardholder MUST promptly replace the PIN which received from the Bank via BRIDGE ATM or BRIDGE Mobile App with a new 06-digit PIN.
4.2.2 The Credit Cardholder is required to create its own PIN consisting of 06 numeric number which shall not be in sequential digits (Example: 123456, or 987654), repeated number, Credit Cardholder’s mobile phone number, any date of birth or any number that is publicly known and easy to guess as a PIN.
4.2.3 For safety reasons, Credit Cardholder MUST, among other security measures:
a) not disclose the PIN to anyone or allow any person to use your Credit Card;
b) not allow your PIN to be accessible by any other person;
c) enter your own PIN correctly;
d) note that if you enter your PIN incorrectly for 3 (three) times, your card will be locked.
4.2.4 The Credit Cardholder may reset the PIN via BRIDGE ATM or BRIDGE Mobile App by which the new PIN will be sent via SMS to the Credit Cardholder’s phone number. Upon obtaining the new PIN, the Credit Cardholder has an option whether to use the new PIN that was sent to the Credit Cardholder’s phone number or replace it with the Credit Cardholder’s new PIN.
4.3 Not activation, the Bank reserves right to implement the procedure of compulsory card closure if it stays under “Not Activated” status more than 360 calendar days calculated from issued date.
4.4 No Usage, the Bank reserves the right to close the card if there is no usage more than 720 calendar days calculated from the card activation date.

5. CARD USAGE AND POSSESSION

5.1 The Applicant will be required to take the requested Credit Card once it is ready by any mean at the Bank’s arrangement or notice.
5.2 The Credit Card shall always remain the property of BRIDGE Bank and shall be surrendered to BRIDGE Bank immediately upon request.
5.3 The Credit Cardholder shall be fully responsible, at all time, under no circumstances and, whether with or without knowledge, for the use or allow the Credit Card to affect any Transaction which would violate the laws of any jurisdiction. In such circumstances, the Bank may refuse to process any Transaction that violates any applicable law.
5.4 Any withdrawal of amounts standing to the credit of a the Credit Cardholder’s Account or Transaction entered into by the Credit Cardholder (or a person other than the Credit Cardholder) using such Credit Card to make purchases of goods or services from Merchants and other entities in person, by mail order, telephone order, online, or by other means of communication will be directly debited from the respective Credit Card Account and/or any Account(s) of the Credit Cardholder and BRIDGE Bank shall not be, under any circumstance, be liable and/or obliged to inquire into, examine or determine whether the Credit Cardholder initiated, had knowledge of, or consented to the making of the withdrawal or the entrance into the Transaction.
5.5 All Transactions are effective as of the transaction date and will be processed and posted to the Credit Card and Credit Card’s Account according to the Bank system procedure.
5.6 The Credit Cardholders may, at their own risk and discretion, add/save their BRIDGE Cards and Account number into any payment acceptance app as a future payment option for him/herself. This Service is meant to allow the Cardholders to pre-save their Card information including but not limited to full Card number, Account number, etc, for convenience and time saving purpose (i.e. for the subsequent payment and purchase in which Credit Cardholders do not need to re-enter the full Card number again).
5.7 By using the card, the Credit Cardholder agrees to settle all the disputes directly with the Merchant or the acquirer if any where the Credit Card has been transacted without prior contacting the Bank for initiating financial transaction dispute and the Credit Cardholder are not entitled to set-off or counterclaim against the BRIDGE Bank or to withhold payment to BRIDGE Bank by any reasons of such dispute with the Merchant or the member institution of card scheme.
5.8 Foreign Currency and Oversea Transaction:
5.8.1 Any transaction in foreign currency (other than US dollars) will be converted into US dollars based on the prevailing exchange rate determined by the relevant Card schemes and further convert to the Credit Card account’s currency follow BRIDGE Bank’s exchange rate policies.
5.8.2 All transactions in foreign currencies will be subject to an administrative fee on transaction amount or such other amount as determined by BRIDGE Bank and part of the Card’s service features.
5.9 Cash Transaction:
5.9.1 The Credit Cardholder must clearly check the amount during withdrawal of any cash or payment before leaving the machine or concluding an online transaction.
5.9.2 Cash Advance/Withdrawals or payments or Quasi-Cash Transaction made from Credit Card Account or BRIDGE Mobile App in any currency other than the currency of the relevant Credit Card Account(s) shall adhere to the exchange rate determined by BRIDGE Bank.
5.9.3 The Credit Cardholder has the option to deposit cash in KHR or USD. If the originated Account’s currency is KHR or USD, the system will automatically convert it to the Account’s currency using the then exchange rate of BRIDGE Bank.
5.9.4 The Credit Cardholder MUST NOT depositing any unfit notes through ATM, such as those that are dirty, wet, slippery, cracked, old, torn or holed notes, taped notes, or notes that are not functional/acceptable in the market. The Bank reserves the right to reject the deposit of such notes and the Bank shall not be held liable for any damage/loss resulting from the Credit Card failure to adhere to the restriction mentioned under this clause.
5.9.5 The Credit Cardholder must not deposit counterfeit note(s). A transaction using counterfeit note(s) is subject to sole liability by the Credit Cardholder under Cambodian laws, regardless of the circumstances.
5.10 Refund/Reversal:
5.10.1 BRIDGE Bank will only process to refund or reverse the amount of a transaction only when the fund is made available by the respective Merchant or third party. For avoidance of doubt, no advanced credit will be made available to the Credit Cardholder.
5.10.2 Credit Cardholders shall contact the Merchant directly for requesting for any transaction cancelation request including booking reservation or recurring payment transactions and/or amendment of any purchase agreement made between the Credit Cardholder and the Merchant. BRIDGE Bank shall not be responsible for or liable for any amount of loss arising from late notification or cancellation by the Credit Cardholders and/or the Merchants.
5.10.3 BRIDGE Bank reserves the right to block any refunded amount related or non-related to the transaction if there is no proper confirmation from the Credit Cardholder or if BRIDGE Bank has not been able to identify the nature or any reasonable purposes of the refund. If the Credit Cardholder has any indebtedness in relation to the transaction usage of the Credit Card due to the late process by the Merchant or received by BRIDGE Bank of any credit amount that shall be settled against the due outstanding amount, the Credit Cardholder shall fully be responsible and liable for it. However, the Credit Cardholder shall inform or contact BRIDGE Bank for any assistance if the issue is not peacefully resolved or there is no refund or adjustment has been received after 14 calendar days (Forten Calendar days) from the date of the credit instruction or agreed by the Merchant.
5.11 Block/Unblock the Credit Card:
Whenever the Credit Cardholder wish to block or unblock the Credit Card, the Credit Cardholder must inform BRIDGE Bank through BRIDGE’s contact center or visit the nearest BRIDGE Bank’s branch office or perform the blocking via BRIDGE Mobile App, whichever best fit. The use of Credit Card will be blocked or unblocked and restricted from BRIDGE’s system within one (01) working day latest after the receipt of the notification from the Credit Cardholder or immediately if the Credit Cardholder do it via the BRIDGE Mobile App according to app available function, provided however, the Credit Cardholders will not be allowed to unblock the Card via BRIDGE Mobile App if it was blocked by BRIDGE Bank.
5.12 Hold/Freeze of the Transaction Amount:
5.12.1 BRIDGE Bank may real time debit or periodically freeze on the transaction amount from the available balance of the relevant Credit Card Account(s) either on the day it is presented to BRIDGE Bank for payment (including without limitation to a presentation by electronic means) or on the day BRIDGE Bank receives an authorization request or notice of the Credit Card transaction, whichever is earlier.
5.12.2 BRIDGE Bank reserve the right but not obligated to hold/freeze the Account(s) or Credit Card if there is any suspicious transaction is detected by BRIDGE Bank before contacting the Credit Cardholders.
5.13 Restricted Act:
5.13.1 The Credit Cardholder shall not use the Credit Card for the other purposes besides legitimate banking transaction both financial and non-financial transaction. The Credit Cardholder shall perform transaction in accordance with the Terms and Conditions and shall not use the Credit Card for any purpose relating to any business prohibited by the Cambodian laws and regulations.
5.13.2 The Credit Cardholder shall not act fraudulently or maliciously with respect to the use of Credit Card or commit any act against prohibited rule governed by BRIDGE Bank or relevant card payment network. Failure of which, the Credit Cardholder shall be solely responsible for any legal actions and consequences thereof.
5.13.3 The Credit Cardholder agrees and understands that the Credit Card serves you in a purpose of allowing and offering the Credit Cardholder as one of the ways to perform banking transaction and provide the Credit Cardholder the convenience experience of banking transaction. Therefore, the Credit Cardholder agree not to take any advantages from this offer at any time during the use of the Credit Card.
5.13.4 The Credit Cardholder agree that BRIDGE Bank reserves the right to debit back all financial loss arising from all the Credit Cardholder activities, if in the sole opinion of BRIDGE Bank deems that such acts are fraudulent and/or indicate the intention of taking advantage to gain the financial interest from BRIDGE Bank including but not limited to committing multiple financial transactions or testing with a small amount for gaining as financial income or its equivalent on foreign exchange rate fluctuation, or loyalty point, etc. For example, the customer performing multiple cross-currency fund transfers with a minimal transferred amount more than 5 times and financial loss has incurred to BRIDGE Bank from such act.

6. GENERAL RISK PROTECTION AND PREVENTION

6.1 The Credit Cardholder shall always, regardless of any circumstance, be responsible and accountable for any unauthorized use of the Credit Card that has the access to the Credit Card information and its PIN or without PIN.
6.2 The issued Credit Card shall only be used by its Credit Cardholder and shall not be leased, transferred, lent or resold. If the Credit Card is not kept or used properly or is lent/transferred to others, the Credit Cardholder may suffer risk from financial loss.
6.3 All financial transactions involve a certain amount of risk. The Credit Cardholder should be aware of any risk that might happen against you and the following precautions:
f) Do not share or let other person know or use your Credit Card information and/or PIN;

         g) Never share your Credit Card information and/or PIN or any secret codes including an ePIN which is sent to your mobile phone to                          anyone including your family, friends, and/or institutions regardless of whatever reason;

         h) Never record your PIN or Credit Card number anywhere but try to memorize it properly;

         i) Ensure that your Card’s PIN remain confidential to you alone and make sure you take necessary step from disclosing it to other person;

         j) Always ignore all calls, emails or requests even though it is the calls, emails or requests from BRIDGE Bank requiring you to input or tell              your Debit Card’s PIN, ePIN or OTP. Please note that BRIDGE Bank or its staff will never call or send such emails or requests for your                    Debit Card’s PIN, ePIN, OTP or other Security Credential. If you encounter this, you shall report to BRIDGE Bank immediately by                          contacting our contact center service telephone number 098 202 999 or 1800 202 999.

6.4 BRIDGE Bank may but not obligated to continually look at ways to minimize any unauthorized Transactions on the Credit Card of the Credit Cardholder. BRIDGE Bank may use various techniques from time to time, including contacting the Credit Cardholder after an unusual Transaction or series of Transactions to confirm that the Credit Cardholder did in fact authorized the Transaction(s).
6.5 The use of Credit Card may be suspended if BRIDGE Bank and its staff detect or suspect that there are unusual activities to the Credit Card
6.6 The Credit Cardholder shall notify the Bank immediately by calling 098 202 999 or 1800 202 999 upon being aware either of the following:
d) The Card’s PIN is known, or assume that any one knows it;

       e) The BRIDGE Mobile and Cards Security Credential of the Credit Cardholder is taken over by anyone;

       f) There is a suspect or an unauthorized transaction is made to the Credit Card.

7. CREDIT LIMIT

7.1 The maximum Credit Limit will be granted to each Credit Card Account(s) subject to assessment and approval from BRIDGE Bank. The notice on the Credit Limit of the respective Credit Card will be duly served on the respective Credit Cardholder. This Credit Limit shall be shared by among the Credit Card of Principle and Supplementary Credit Cardholder (if any).

7.2 Over Limit:
7.2.1 The Credit Cardholder shall use the Credit Card only up to the Credit Limit so as not to exceed the Credit Limit and in case the Credit Card holder breaches the Credit Limit, BRIDGE Bank may, at its absolute discretion, reserve the right, without prior notice, to:
(d) decline any transaction which exceed the Credit Limit;

          (e) suspend the use of the Credit Card by the Credit Cardholder including any privileges thereof; and/or

          (f) charge an over-limit fee as determined by BRIDGE Bank.

7.2.2 The authorization by BRIDGE Bank on any transaction which exceed the Credit Limit shall not be deemed as the approval/authorization by BRIDGE Bank on the increase of the Credit Limit. BRIDGE Bank may, at its sole discretion, demand immediate payment of any amount in excess of the Credit Limit. The use of the Credit Card in excess of the Limit, without prior approval of BRIDGE Bank, shall be considered as a fraudulent act of the Cardholder.

7.3 Increase/Decrease of Credit Card Limit:
The Credit Cardholder agrees and acknowledges that the Credit Limit may be increased or decreased at the sole discretion of BRIDGE Bank whether applied for by the Credit Cardholder or due to the history of the Credit Card Account and that such decision of BRIDGE Bank to increase or decrease the Credit Card Limit shall not subject to any prior written nor verbal confirmation by the Credit Cardholder. BRIDGE Bank will, as soon as practicable, provide a written notice of such increase or decrease to the Credit Cardholder.

8. FEE AND CHARGES

8.1 In addition to the Interest which will be charge by BRIDGE Bank as provided hereunder, the Credit Card holder shall pay all fees and charges (including without limitation to any applicable service fee of the Credit Card, Transaction fee.. etc) associated with the use of Credit Card pursuant to BRIDGE Bank Credit Card Fees and Charges (“Fees and Charges”) which may be modified from time to time at sole discretion of the Bank and will be made available to the Credit Cardholder via any channel which BRIDGE Bank deems fit including but not limited to the BRIDGE Bank’s website, official social media, branch offices etc. The Fee and Charges will be debited from the Credit Card Account.
8.2 The Credit Cardholder irrevocably agree and authorize BRIDGE Bank to automatically debit from the Credit Card Account at any time in respect of any sum amount due and owe to the Bank by the Credit Cardholder whether in respect of a Card transactions, Fees and Charges, or otherwise and notwithstanding that the Credit Card Account would be overdrawn as a result.
8.3 Without prejudice to any other rights of the Bank, if the Credit Cardholder fails to pay relevant Fees and Charges, the Bank has the right to directly deduct such amount of the Fees and Charges from any Account(s) of the Credit Cardholder at the Bank and completely or partially terminate or suspend all or part of banking services available to the Credit Cardholder. Where the account does not have sufficient fund to deduct such fees, the Bank reserves the right to deny any further transactions without prejudice to any remedies the available to the Bank under this Terms and Conditions, other applicable terms and conditions, Financed Document between the Bank and the Credit Cardholder (if any) and applicable laws and regulations.
8.4 The Credit Cardholder shall be liable to pay for all goods and services tax including but not limited to all other taxes and government charges imposed by government ministry or Card Scheme on or payable for any transaction amount or usage of card services that incurred on or debited to the Account(s). The Bank is entitled to debit the amount of such tax(es) or charges to the Credit Card Account(s) or any Account(s) of the Credit Cardholder hereunder.

9. VALIDITY, RENEWAL, SUSPENSION, AND TERMINATION OF THE CREDIT CARD

9.1 Validity and Renewal:

9.1.1 The Credit Card will be valid from the date of its issuance until its expiry date shown on the Credit Card and may be renewed following the request of the Credit Cardholder subject to the approval of BRIDGE Bank at its sole discretion.
9.1.2 BRIDGE Bank may, at its sole discretion, amend the Card number and/or expiry date when issuing a renewal or replacement Card to the Credit Cardholder. The Credit Cardholder is solely responsible for communicating this change to any party with whom the Credit Cardholder may have payment arrangements. BRIDGE Bank will not be responsible for any consequences or damage to the Credit Cardholder arising from declined transactions, whether under the former Card number or otherwise.
9.2 Termination:

9.2.1 Termination by Credit Card Holder: The Credit Card may be terminated by the Credit Card holder only upon written notification of the Credit Cardholder and subject to the full payment of Outstanding Balance to date on the Credit Card Account as well as other payment obligations. Upon such notice of termination, no further transaction on the Account may be made by any Credit Cardholder. The termination of the Credit Card shall be effective on or before the fourteen (14) Business Days upon all conditions provided under this clause have been satisfactorily completed.
9.2.2 Termination by BRIDGE Bank: BRIDGE Bank may, in its discretion and without prior notice to the Credit Cardholder, suspend or terminate the Credit Card issuance and use at anytime and for whatever reason.
9.2.3 Effect of Termination/Expiration of the Credit Card: Upon the termination/expiration of the Credit Card:
a) The Principle Cardholder and/or Supplementary Credit Cardholder shall not use and/or permit anyone to use the Credit Card for any                     reason whatsoever after these events including any suspension thereof and/or upon the Credit Cardholder ceasing to be the BRIDGE                     Bank’s customer. Continued use of the Credit Card thereafter shall be considered as a fraudulent act by the Cardholder;
b) The Credit Cardholder shall repay to BRIDGE Bank the total Outstanding Balance of the Credit Card Account in full including, without                   limitation to, all transaction amounts made under the Credit Card and not yet repaid back to BRIDGE Bank, all unpaid Fees and                             Charges, all unpaid Interest, and other associated costs and expenses which will become immediately due and payable without notice or                 demand by BRIDGE Bank.
c) If the Credit Card is secured by any Security, such Security shall continue to be held for a minimum of ninety (90) days from the                              termination date. Notwithstanding the foregoing, the Security may continue to be held by BRIDGE Bank until all the Outstanding                            Balance is fully paid to BRIDGE Bank; and
d) The Credit Card shall be promptly returned to BRIDGE Bank no later than fourteen (14) Business Days, otherwise the Bank is entitled                    to  impose fee charge as determined by the Bank.

10. REPAYMENT FOR CREDIT CARD USAGE

10.1 The Credit Cardholder must pay all Outstanding Balance on or before the Due Date through any method or channels enable by BRIDGE Bank or the Credit Card holder may choose the repayment method by Auto Direct Debit/Autopay from any Account(s) maintain in BRIDGE Bank. If the Due Date falls on Saturday, Sunday or Public Holiday, the payment shall be made prior to the Due Date.
10.2 The Auto Direct Debit/Autopay will be processed according to the setup schedule by BRIDGE Bank. If the Auto Direct Debit/Autopay is failed to process, a repeated process will be executed. Failure to process the Auto Direct Debit/Autopay due to insufficient fund of the relevant Account(s) or whatsoever reason that is not solely attributable to BRIDGE Bank shall be subject to Interest charge and late payment fee.
10.3 If the payment by Credit Cardholder is made via cheque or other non-cash deposit to the designated Account(s), the credited amount will only be made available until the funds are cleared. In the event the cheque or other non-cash deposit is dishonored for whatever reason, BRIDGE Bank will debit the designated Account(s) by the value of the dishonor (if the deposit has previously been credited to the designated Account(s)) and charge a dishonor fee.
10.4 To secure the repayment obligation of the Credit Cardholder, the Credit Cardholder irrevocably agrees and authorizes BRIDGE Bank to automatically debit any amount due from the designated Account(s) of the Credit Cardholder and in case the fund available in the designated Account(s) is insufficient or no fund is available, Credit Cardholder agrees and authorize the Bank to directly debit from any Account(s) of the Credit Cardholder held with BRIDGE Bank at sole discretion of BRIDGE Bank.
10.5 Minimum payment is set by the Bank to provide a flexible option of repayment to the Credit Cardholder for paying the Outstanding Balance.
10.6 Application of Payment or Repayment Priority Order:
Payments made to the account shall be applied in the following order:
i. All outstanding Fee and Charges;
ii. Interest of the Outstanding Balance;
iii. Principal outstanding amount of Cash Advance; and
iv. Principal outstanding amount of Retail Purchase.

11. INTEREST

11.1 Interest Rate: The Interest rate used to calculate the Interest charges on the use of Credit Card can be referred to in the Credit Card product brochure or via any channel of BRIDGE Bank including but not limited to the BRIDGE Bank’s website, official social media, branch offices etc. BRIDGE Bank reserves the right to amend the interest rate from time to time at its discretion and the Cardholder may be notified of such changes through public announcement or direct notice, whichever BRIDGE Bank deem fit.
11.2 Interest Calculation: The Interest charge will be applied immediately according the Interest rate and charge policy set by the Bank on to any cash or cash equivalent transaction amount where the transaction amount is debited from the Credit Limit of the Credit Card regardless using Credit Card or Debit card or BRIDGE Mobile App and Outstanding Balance incur from any Retail Purchases amounts which the repayment has not been made within Credit Card repayment’s Grace Period.
11.3 For avoidance of doubt, no interest payment will be provided to the Credit Cardholder by the Bank for the use of Credit Card or for any amount that has been overpaid by the Credit Card Holder. However, the Credit Cardholder may receive an interest payment based on the account product’s features in respect to the account type that is linked with the Credit Card.

12. DEFAULT AND REMEDIES

12.1 Event of Default: The following circumstance(s), act(s) or omission(s) by the Credit Cardholder shall constitute an “Event of Default”:
i. Failure to settle the Outstanding Balance on the Due Date by the Credit Cardholder;
ii. Failure to provide any information as required by BRIDGE Bank or relevant authority in relation to the Credit Card and its use by the Credit Cardholder;
iii. The Credit Cardholder make any false, inaccurate, or misleading statements in any Application or credit update;
iv. Failure to keep any promise or to perform any of his/her obligations as agreed hereunder or as agreed in any related documents;
v. The Credit Cardholder uses the Credit Card against the applicable laws or for illegal purpose or any law is brought into effect and/or any order from competent authority which purports to render or renders ineffective or invalid any provision of this Terms and Conditions or which would prevent the Credit Cardholders from performing any of its respective obligations;
vi. Any bankruptcy proceeding has been filed whether by the Credit Cardholder himself or by third party against the Credit Cardholder, or the Credit Cardholder become involved in any insolvency or if the Credit Cardholder is prosecuted under any law, serves any custodial sentence, becomes insane or dies;
vii. If anyone attempts to take any of the Credit Cardholder funds held by BRIDGE Bank via legal process or if the Credit Cardholder have a judgment or tax implication filed against him/her;
viii. As determined by the Bank, the Credit Cardholder’s financial position has changed adversely and affects the Credit Cardholder’s ability to meet the repayments as they fall due;
ix. Absence of the Credit Cardholder without detailed information provided to BRIDGE Bank;
x. If BRIDGE Bank is notified by the National Bank of Cambodia or by any persons or authority as required by the National Bank of Cambodia or otherwise receives notice that the Credit Cardholder has been classified in the “black list” which is established pursuant to regulations relating to anti-money laundering and combating terrorism, and circulated by the National Bank of Cambodia or by any persons or authority as required by the National Bank of Cambodia; or
xi. If the Credit Card is secured by any security given by the Credit Cardholder hereunder or under any other Facility of the Credit Cardholder with the Bank, the following shall also constitute an Event of Default if:
(a) if the Bank is of the opinion that the value of a Collateral has depreciated to an extent that might affect the Credit Cardholder’s ability to                 repay all amount due of the Credit Card or other Facilities if the Collateral must be sold to realize repayment in the event of the Credit                     Cardholder’s default;
(b) all or a material part of the property or assets of the Credit Cardholder or any Security Party thereof are condemned, seized or otherwise                expropriated or retained by any person acting or purporting to act under the authority of the Royal Government of Cambodia, or the                     Credit Cardholders or Security Party has been prevented from exercising normal managerial control over all or any material part of its                   property or assets;
(c) If in the Bank’s sole opinion, the Collateral is in danger of seizure, distress, inadequate or in jeopardy.
12.2 Cross Default: If the Credit Cardholder has more than one Account with BRIDGE Bank, a default on one account shall automatically be considered as a default on all of the other Account(s) including without limitation to Loan Account(s). Whichever is the case, in the event of a Credit Cardholder default, BRIDGE Bank reserves the right to terminate all of the Credit Cardholder’s Account(s) held with BRIDGE Bank.
12.3 Remedies:
In the event an Event of Default occurs, then, BRIDGE Bank may, at its sole discretion, use one or more remedies as specified below:
i. Suspend or terminate the use of the Credit Card by the Credit Cardholder;
ii. The Outstanding Balance may immediately become due and payable;
iii. Apply late payment fee, over-limit fees, and/or other fees as determined by BRIDGE Bank;
iv. Automatically debit from any of all Account(s) of the Credit Cardholder held with BRIDGE Bank for the due Outstanding Balance and other amount due (if any);
v. If the Credit Cardholder fails to pay the Outstanding Balance within 90 (ninety) calendar days commencing from the date on which BRIDGE Bank notifies the Credit Cardholder of his/her default, the Bank may take any or all of the following remedies:
– Secured by Cash: If the Credit Card facility is secured by a fixed deposit account as a security, the Credit Cardholder irrevocably authorizes and provides BRIDGE Bank the right and discretion to directly deduct the Outstanding Balance together with any other amount due, applicable fees and charges from such fixed deposit account of the Credit Cardholder maintained with BRIDGE Bank without any further confirmation or approval from the Credit Cardholder;
– Secured by Movable/Immovable Property: If the Credit Card facility is secured by any movable or immovable property as Collateral (whether new or existing collateral under other Facility between the Credit Cardholder and BRIDGE Bank) to secure the payment of due Outstanding Balance together with any other amount due, applicable fees and charges, the Credit Cardholder irrevocably authorizes BRIDGE Bank to take any remedy available under any relevant Finance Document and/or proceed a claim against that Collateral to the extent as permitted by the applicable law without any further confirmation or approval from the Credit Cardholder and regardless of whether or not the other Facility is defaulted;
– Secured by Corporate Guarantee: If the Credit Card facility is secured by corporate guarantee for the payment of due Outstanding Balance together with any other amount due, applicable fees and charges, BRIDGE Bank reserves the right to take necessary legal action to recover repayment of the Outstanding Balance against such corporate guarantor without any further confirmation or approval of the Credit Cardholder and/or such corporate guarantor;
– BRIDGE Bank has the right to enforce its right to claim for all Outstanding Balance together with any other amount due and all applicable fees and charges including, but not limited to, the debt collection and commencement of any possible legal action to the extent as permitted by the relevant applicable laws. The Credit Cardholder agrees to indemnify BRIDGE Bank against any reasonable enforcement expenses and costs including legal costs and litigation expenses under this Credit Card Terms and Conditions reasonably incurred by BRIDGE Bank in the collection of that debt in the event of default by the Credit Cardholder;
– Keep record of the Credit Cardholder’s default in its list and may disclose it to the extent as permitted by the applicable law;
– Any other remedies available under this Terms and Conditions, other applicable terms and conditions, relevant Finance Documents and/or applicable laws and regulations.

13. LOYALTY AND CASHBACK PROGRAM

13.1 The Loyalty Reward Points or Cashback is only rewarded to retail purchase and/or an online transaction (both local and/or international) made by Principal and/or Supplementary Cardholder with Bridge Card(s) for personal consumption only. If the Bank, in its reasonable opinion, deems the purchases were made for business and commercial related purpose/consumption, Bridge Bank reserves the right not to award the Loyalty Reward Points or Cashback.
13.2 The Loyalty Reward Point(s) or Cashback earned on a transaction will be credited to the Cardholder’s Account only after the transaction has been successfully settled by the merchant. BRIDGE Bank reserves the right to withhold or revoke cashback or reward points for transactions that remain unsettled and have not been claimed or redeemed after the program’s expiration date.
13.3 The following transactions/charges shall NOT be qualified for the reward:
i. Refunded, reversed, disputed, unauthorized, fraudulent retail transactions or found to be invalid;
ii. Cash Advance, Cash Withdrawal, Cash/Quasi-Cash Transaction, annual fees, interest accumulated, late payment charges, finance                           charges, and other miscellaneous charges;
iii. Any other exclusions will be notified from time to time with prior notice.

13.4 Notwithstanding the foregoing, the Bank may, from time to time, at its sole discretion and in accordance with its internal policy, exclude transactions made with certain merchants or under certain acceptance programs from earning Loyalty Reward Points or Cash Back, without providing notice regarding the type, name, or location of the merchant.

13.5 BRIDGE Bank reserves the right to debit the Loyalty Cashback amounts or adjust the Loyalty Reward Points previously credited to the cardholder’s account if the corresponding transaction(s) falls under any condition as set out under clause 13.1 and 13.3 hereof. This adjustment may be reflected in the same credit card statement or a subsequent credit card statement as deemed appropriate by the Bank. If the Cashback or Points balance is insufficient for such an adjustment, the Bank may debit the amount from the Cardholder’s Account(s) or demand repayment.

13.6 The Cardholder shall not engage in any fraudulent activity, including but not limited to collusion with merchants to manipulate transactions for the purpose of earning the Loyalty cashback or point from the Bank. Any such activity will lead to forfeiture of Cashback or Points, termination of card privileges, and possible legal action.

13.7 Upon the cancellation or termination of the BRIDGE Bank Card or Account(s), regardless of whether the cancellation or termination is made by BRIDGE Bank or the Cardholder at any time for any reason, all accumulated Loyalty Reward Points and/or unused Cash-Back accrued shall automatically be cancelled.

13.8 BRIDGE Bank reserves the right to amend partially or entirely or terminate the Loyalty Reward Point and Loyalty Cash-Back program at any time at the Bank’s sole discretion with prior notice either through the announcement on BRIDGE Bank’s website at bridgebank.com.kh, BRIDGE Mobile App, direct contact via phone call or SMS notification, electronic email or any other means of communication that may be deemed fit by the Bank.

14. CREDIT CARDHOLDER ACKNOWLEDGEMENT

By accepting this Terms and Conditions, the Credit Cardholder hereby:

k) acknowledge that the Credit Card will be linked and used to activate their BRIDGE Mobile Application which all the Credit Card information and all accounts number shall be displayed in the BRIDGE Mobile App of the Credit Cardholder;
l) acknowledge that by accepting the relevant terms and conditions when performing an online payment and/or add/save the Credit Card number in any e-commerce platform/application shall constitute that the Credit Cardholder has fully accepted and agreed to allow the respective e-commerce platform/application or BRIDGE online payment platform to store the full or partial Credit Card and/or Account information for future transaction where all risks and consequences arising out of or in connection with the forgoing shall be solely borne by the Credit Cardholder;
m) undertake not to share or disclose the information especially Merchant information either in full or in partial to any third parties. Failure of which, the Credit Cardholder acknowledge and agree that he/she shall be solely liable for any damage or loss which is suffered by BRIDGE Bank and/or third party including consequential loss and regulatory fines which resulted from such unauthorized disclosure either directly or indirectly;
n) agree that BRIDGE Bank, with sufficient evidence, reserves the right to cancel or suspend the Credit Cardholder Account(s) and/or transaction during its financial accounting reconciliation at any time without providing prior notice to the Credit Cardholder. BRIDGE Bank reserves the right to perform miscellaneous adjustment either debit or credit in order to correct accounting transaction and financial report. Under such circumstances, BRIDGE Bank might not be able to cancel or make adjustment immediately as per Credit Cardholder request or other means;
o) agree and understand that the exchange rate and calculation presented shall perform during transaction and the calculation will be taken place between the transaction currency and your Credit Card Account currency when it is different. The Credit Cardholder acknowledge that the exchange rate applied to the transaction is the actual transaction rate and it may be different from exchange rate presented via BRIDGE Bank’s channel such as in BRIDGE Mobile Banking, Counter, or Website;
p) understand that the balance recorded in the Credit Card Account(s) will be the current balance as at the time the Credit Cardholder make the enquiry using Credit Card or Mobile App. However, there may be circumstances, for example, systems failures and technical difficulties, which may cause the Account balance information to be not reported on a real time basis.
q) acknowledge that BRIDGE Bank may from time to time, at its discretion, tie-up with various agencies to offer features on the Credit Card which would be on a best-efforts basis only, and that BRIDGE Bank does not guarantee or warrant the efficiency and service quality of such features;
r) undertake to provide, at all time, all information and documents to BRIDGE Bank upon request or required by competent authorities;
s) undertake to responsible for and take all reasonable care to ensure that the information that is/to be provided to BRIDGE Bank in relation to the use of Credit Card is true, complete, accurate, and up-to-date.

15. LIABILITY

15.1 Liability of Credit Cardholder:

The Credit Cardholder shall be fully liable for the performance of all obligations provided hereunder, take all necessary actions to comply with the security measures, be liable for all transactions performed under the use of the Credit Card whether or not such use is authorized by or known to the Credit Cardholder.
As soon as the Credit Cardholder is aware of the Credit Card has been lost, stolen, or used without their permission, the Credit Cardholder must inform BRIDGE Bank right away (as outlined in Clause 19.1) and follow BRIDGE Bank instructions to stop using the Credit Card. The Credit Cardholder shall be solely responsible for any unauthorized/unlawful withdrawals or transactions that take place before the Credit Cardholder notifies BRIDGE Bank of the loss, theft, or unauthorized use.
Unless agreed otherwise by the BRIDGE Bank, the Principal Cardholder shall be responsible for all liabilities and obligations of the Principal Credit Cardholder as well as those of the Supplementary Credit Cardholder. The Supplementary Credit Cardholder, however, shall only be responsible for his/ her own liabilities and obligations.
15.2 Disclaimer and Exclusion of Liability:

BRIDGE Bank makes no representations, warranties, or conditions of any kind, express or implied, with respect to the Credit Card service, including fitness for a particular purpose or any warranty arising by usage of trade, course of dealing, or course of performance. BRIDGE Bank does not represent or warrant that the Credit Card service will always be accessible or function.

BRIDGE Bank shall have no liability for any incidental, indirect, or consequential damages (including without limitation loss of profit, revenue, or usage), or other damages arising out of or in any way connected with the Terms and Conditions. In no event shall BRIDGE Bank have any liability for unauthorized access to, use or alteration, theft, or destruction of the Credit Card through accident, misuse or fraudulent means or devices by the Cardholder or any third party, or as a result of any delay or mistake resulting from any circumstances beyond the Bank’s control.

16. INDEMNITY

To the extent permitted by law, the Credit Cardholder shall indemnify and hold BRIDGE Bank harmless against any losses or damages which BRIDGE Bank may suffer due to any claims, demands or actions of any kinds brought against BRIDGE Bank arising directly or indirectly or in connection with the use or misuse or unauthorized use of the Credit Card or breach of any provision of or act negligently or fraudulently in connection with the this Credit Card Terms and Conditions by the Credit Cardholder.

17. NOTIFICATION AND ALERT

17.1 By using the Credit Card, the Credit Cardholder agrees that BRIDGE Bank may send or may be requested to send an SMS to the mobile device or push a notification to the BRIDGE Mobile Application installed in the mobile phone/device of the Credit Cardholder. BRIDGE Bank shall not be liable for any losses or damages incurred to or suffered by the Credit Cardholder if there is any person fully or partially seeing, viewing, or accessing the content of those messages.
17.2 The Credit Cardholder might incur the charge from the mobile operator for the receipt of such message or push notification by which such charges shall be borne by the Credit Cardholder.

18. ANTI-MONEY LAUNDERING/COMBATING OF FINANCING OF TERRORISM /SANCTIONS

18.1 The Credit Cardholder agree that BRIDGE Bank may delay, block, or refuse to process any transaction with or without prompt advice of its refusal to the Credit Cardholder without incurring any liability if BRIDGE Bank suspects and/or find that:
d) the transaction may breach any laws in Cambodia or any other countries that are involved in regulating BRIDGE Bank’s business                            operations and execution;
e) the transaction may directly or indirectly involve the proceeds of or be applied for the purpose of, unlawful conduct; or
f) there is any instruction from the regulator including but not limited to instruction from the National Bank of Cambodia.
18.2 The Credit Cardholder agree to provide all information to BRIDGE Bank that BRIDGE Bank reasonably requires in managing risk or complying with applicable laws and regulations relating to financial crime activities and law.
18.3 The Credit Cardholder agree that BRIDGE Bank may disclose any information relating to them, their transactions, and their Account(s) in which the funds are deposited in case any law enforcement, regulatory agency, or court require BRIDGE Bank to do so under any such law in Cambodia or elsewhere.
18.4 The Credit Cardholder assure to BRIDGE Bank that the acceptance and/or payment of money by BRIDGE Bank in accordance with your instructions will not breach any laws in Cambodia or any other applicable law.

19. OTHER PROVISIONS

19.1 Inquiry, Errors, Questions, and Complaints

19.1.1 Please contact BRIDGE’s contact center 098 202 999 or 1800 202 999 for any immediate support, inquiry, or any a discrepancy or an error has occurred in any transaction or complaints.
19.1.2 The Credit Cardholder may also visit the head office or branches of BRIDGE Bank for any assistance during BRIDGE Bank’s business hours from 8:00 AM to 16:00 PM and 5 (five) days a week, from Monday to Friday which may be revised by BRIDGE Bank from time to time.
19.2 Amendment and Notice:

19.2.1 BRIDGE Bank reserves the right to amend the Terms and Conditions, Fees and Charges from time to time without prior notice, provided however, the revised version will be made available on various channel including but not limited to BRIDGE Bank’s website at www.bridgebank.com.kh, display at BRIDGE Bank’s head office and branches or public announcement/advertisement, BRIDGE Mobile App, direct contact via phone call or SMS notification, or other electronic notices generated within BRIDGE Bank’s system.
19.2.2 The Credit Cardholder agree and accept that BRIDGE Bank may also use the methods outlined above as a means of providing the Credit Cardholder with other notices.
19.3 Intellectual Property:

All intellectual property used in connection with the provision of the Credit Card service is under the sole ownership of BRIDGE Bank. Without BRIDGE Bank prior written consent, information provided to the Credit Cardholder as part of the Credit Card services shall be for personal use only and shall not be duplicated, disseminated, or sent to any other person or integrated into any other document.
19.4 Customer Declaration:

19.4.1 The Credit Cardholder declare that all information provided to BRIDGE Bank is correct, true, and the up to date. The Credit Cardholder further confirm that they have read, understood, and agreed to be bound by the Terms and Conditions governing the use of the Credit Card including the General Terms and Conditions of BRIDGE Bank.
19.4.2 The Credit Cardholder must notify BRIDGE Bank immediately if there is any change their personal details which was previously provided to BRIDGE Bank. BRIDGE Bank will not be responsible or liable for any errors or losses suffered by the Credit Cardholder associated with the changes where such changes have not been notified to BRIDGE Bank.
19.5 Privacy and Consent to Disclosure of Information:

19.5.1 The Credit Cardholder acknowledge and agree that BRIDGE Bank is collecting their personal information, instructions, particulars of the Account, POS records and transaction details on their Account(s) (collectively referred to as “Information”) for the purpose of providing the Credit Cardholder with Credit Card Services.
19.5.2 The Credit Cardholder agrees that the Bank is entitled, in its absolute discretion, at any time and without notice or liability, to disclose the Information to:
n) any person engaged by BRIDGE Bank to carry out or assist its functions and activities;

           o) any subsidiary, partners, or payment networks of BRIDGE Bank, and any of BRIDGE Bank’s head office; branches, sub-branches,                          agents, correspondents, agencies, or representative offices;

           p) BRIDGE Bank’s auditors and professional advisors including its lawyers;

           q) BRIDGE Bank’s stationery printers who are the vendors of the computer systems used by BRIDGE Bank and to such person(s)                                  installing and maintaining the same and other suppliers of goods or service providers engaged by BRIDGE Bank;

           r) any rating agency, business alliance partner, insurance company, insurer, insurance broker, or direct or indirect provider of credit                           protection;

           s) any joint account holder(s) of the account or any person authorized to operate the account or any guarantor or security provider of the                   account;

           t) the merchants that accept the card;

           u) the members of the Card Scheme where the cardholder or the card interact with;

           v) any BRIDGE Bank’s payment partners who involved in the transaction authorization of the cards.

          w) any person for marketing or promoting any services or products whether by BRIDGE Bank or any third party;

          x) any person to whom disclosure is permitted or required by any statutory provision by-laws;

          y) Credit Bureau Cambodia (CBC), of which BRIDGE Bank is member or subscriber or credit reference agent;

          z) any governmental agencies and authorities in the Kingdom of Cambodia and/or elsewhere.

19.6 Governing Law, Dispute Resolution and Jurisdiction:

19.6.1 The Terms and Conditions shall be governed and construed in accordance with the laws of the Kingdom of Cambodia.
19.6.2 Credit Cardholder Dispute with BRIDGE Bank: Any dispute or claim arising out of or relating to the Terms and Conditions or use of the Credit Card service and the Credit Cardholder’s relationship with BRIDGE Bank will be resolved by BRIDGE’s Contact Center in compliance with the Customer Suggestion and Complaint Management Policy or another equivalent to the BRIDGE Bank’s standard operating procedures. If the dispute is not resolved within this period, the dispute shall be referred to the exclusive jurisdiction of Cambodian court.
19.6.3 Credit Cardholder Dispute with Third Party: Please note that BRIDGE Bank shall bear no responsibility for any of the Credit Cardholder disputes arising with any third parties in connection with the transaction performed by the Credit Cardholder using the Credit Card and/or any of their Account(s).
19.6.4 If there is any issue concerning the Account(s) balance and transaction of the Credit Card or on their billing statement, the Credit Cardholder shall inform BRIDGE Bank within 07 calendar days commencing from the transaction date. The Credit Cardholder acknowledge that BRIDGE Bank reserves the right to not solve the issue at BRIDGE Bank’s sole discretion if the Credit Cardholder fail to notify BRIDGE Bank within the specified timeframe.
19.6.5 Such dispute against the transaction transacted with partner’s channel of BRIDGE Bank or processed through card scheme’s payment network, the dispute shall be remedy in accordance with the dispute resolution of BRIDGE Bank and the relevant card schemes.

Phnom Penh: On December 2023, The Asia Pacific Dental Students Association (APDSA) and Bridge Bank partnered to raise awareness about the importance of dental health care for children take along with some charity gift to teachers and the student at the Coconut School community​​. The joint initiative aims to educate children in the Coconut School on the best practices for maintaining good oral hygiene to ensure good overall health.

The partnership between APDSA and Bridge Bank comes at a time when dental health care has become more important than ever, with the COVID-19 pandemic highlighting the importance of maintaining good oral hygiene. The initiative will involve distributing educational materials and free demonstration dental check-ups for children in the coconut School community​ by APDSA.

“We are excited to partner with the APDSA to raise awareness about the importance of dental health care for children in the Coconut School community,” said Richard Liew, CEO of Bridge Bank. “Our joint initiative will help provide access to dental care for underserved communities and help children develop good oral hygiene habits that will benefit them throughout their lives.”

The Coconut School is a non-profit organization that provides free education to underprivileged children in the Cambodian countryside. The school is committed to promoting health and well-being among its students, and the partnership with APDSA and Bridge Bank will help to support this mission.

“We are delighted to partner with Bridge Bank and APDSA to raise awareness about the importance of dental health care for children in the Coconut School community,” said Mr Ouk Vanday, Founder of the Coconut School. “This joint initiative will help to promote good oral hygiene habits among young people and provide access to dental care for underserved communities. We believe that this partnership will have a positive impact on the health and well-being of children in our community.”

The joint initiative between APDSA, Bridge Bank, and the Coconut School is an important step towards promoting better dental health care for children in underserved communities. By working together, the three organizations hope to make a positive impact on the oral health of young people in the Coconut School community and beyond.

About APDSA

APDSA is the brainchild of the Asia–Pacific Dental Federation (APDF/APRO FDI) and it was established in 1968 in Japan, having its first Annual Congress in 1969. Our members are composed of dental schools in the Asia Pacific region. Currently, we have 16 member countries and have partnerships with various student organizations in the region.

About Bridge Bank

Bridge Bank provides a comprehensive range of banking products, such as loan services including home, automotive, personal, and business loans, as well as deposit services , payroll and remittance services.

Bridge Bank’s vision and mission are “to be your preferred financial partner of today and generations to come,” and “to provide financial services you can trust through our global service standards, making banking simple and secure.”

On October 28, 2023, Bridge Bank, a reputable commercial bank that offers clients a wide range of financial services, hosted a workshop on “Preventive Health Care” in collaboration with SGMC and AIA to increase the health care awareness especially on cancer awareness and detection to the community.

The initiative undertaken by Bridge Bank on the health care work with regards to having this workshop is to share the knowledge from Specialist doctors and Medical centers to customers and community to have a better understanding on the importance of health care prevention which can then lead to an increased healthy physical well-being. The workshop was held at Singapore Medical Center (SGMC) located at The Bridge building.

According to Richard Liew, the Chief Executive Officer of Bridge Bank, “Doing a corporate social responsibility is one of Bridge Bank’s key values. While offering financial services to the general public, we must never forget about our own social needs and the well-being of our community. Therefore we encourage and promote to the public a better understanding of how health is vital at the outset and that a regular check-up is always encouraged.

October is designated as “Cancer Awareness Month,” and increasing cancer awareness in the communities may help to reduce health disparities and improve cancer knowledge at the onset. “Knowing about cancer will give everyone the confidence to see a doctor if anything doesn’t feel right because catching cancer early improves the chances of survival”, Richard Liew carried on.

“With the aid of cutting-edge technology from the Singapore Medical Center (SGMC), which offers High Medical standard services alongside its Singaporean specialists based here in Phnom Penh itself, and in addition to looking beyond what conventional medicine has to offer to assist our customers’ goals of optimal health, wellness, and longevity, SGMC approach to their wellbeing does not just concentrate on preventing diseases and treating ailments but to also educate and give additional knowledge to the patient itself. Therefore, it is an honor for us to partner with Bridge bank and AIA to offer a comprehensive health check to the public, as well as hosting this workshop ”… SGMC manager of Business Development and Sales, Mr. Yeong Hock Ming, said.

In addition to this workshop, customers who join for the Bridge to a Better Health program will receive a 50% discount on the foundational health check, which includes a thorough GP assessment, imaging tests, screening tests, laboratory investigations, liver tests, and blood tests.

Phnom Penh: Bridge Bank has joined hands with Borey Vimean Phnom Penh to allow customers to request home loans from the Bank with convenient access and an attractive interest rate.

On September 28, 2023, Bridge Bank Plc signed a Memorandum of Understanding with Borey Vimean Phnom Penh at the residential development project by Ly Hour Group. The MOU will be more useful for potential customers to request loans for purchasing residences from Borey Vimean Phnom Penh. The event was attended by the Chief Executive Officer from both the Bank and Borey, some Senior Management, and other distinguished guests from both parties.

Customers who wish to purchase a new home without significant funds are now able to own the house of their dreams by requesting a loan from the Bank with the assistance of the Sales Representative at the Borey Vimean Phnom Penh Showroom, said Mr. Richard Liew, Chief Executive Officer of Bridge Bank.

Mr. Richard Liew stated that ‘Bridge Bank is delighted to strengthen this cooperative agreement and signed this MOU on housing loans with Borey Vimean Phnom Penh. Through this partnership, it will be another milestone for Bridge Bank to provide the customer with an affordable housing loan with up to 80% financing, a loan tenor of up to 25-years with a competitive interest rate. Furthermore, for all approved loans, the customer will also be eligible to get a membership card worth up to 600 US dollars.

Mr. Meurng Rotha, Chief Executive Officer of Borey Vimean Phnom Penh, added that “this partnership is very important, in terms of providing more convenient loans processing to customers who want to own their dream home, whether for living or doing business.” And Borey Vimean Phnom Penh is happy to partner with Bridge Bank on this special housing loan scheme.

About Borey Vimean Phnom Penh:

Borey Vimean Phnom Penh is the first Ly Hour Group residential development project owned by Oknha Ly Hour. This project was established in June 2011 on 18 acres of land in Chraing Chamres 1 commune. Borey Vimean Phnom Penh is located in the remarkable Ressey Keo district of Phnom Penh.

About Bridge Bank:

Incorporated in Cambodia in 2014, Bridge Bank Plc. is a full-fledged local commercial bank under the Worldbridge Group of companies, Cambodia.

Bridge Bank provides a comprehensive range of banking products, such as loan services including home, automotive, personal, and business loans, as well as deposit services , payroll and remittance services.

Bridge Bank’s vision and mission are “to be your preferred financial partner of today and generations to come,” and “to provide financial services you can trust through our global service standards, making banking simple and secure.”

Please visit us for more details via www.bridgebank.com.kh

Phnom Penh: Bridge Bank, a leading Commercial Bank that offers full banking services to its customers, was given the “Gold” award for tax compliance by the General Department of Taxation. This certificate demonstrates the Bank’s high dedication to tax compliance.

Mr. Richard Liew, Bridge Bank’s Chief Executive Officer stated “Getting the Gold certificate from the General Department of Taxation is such an honor. This reflects a high standard with great commitment which the Bank has provided to maintain the transparency and dedication to sound fiscal stewardship in its duties to the Kingdom of Cambodia. He further added that taxes paid by the private sector are undoubtedly a necessary contribution, and the bank will work as a key partner for the government, in the expansion and development of the Cambodian economy.

Mr Richard Liew also extended his thanks to the bank’s Finance department team and to the General Department of Taxation team for their commitment to ensuring that the tax matters of the bank remain sound and transparent.

About The Award:

Tax compliance certificates come in three different varieties. Gold is the number one. To obtain it, we must provide a number of necessary documents to demonstrate that we are in compliance with the basic tax standards. Silver is the second kind, while bronze is the third.

About Bridge Bank:

Incorporated in Cambodia in 2014, Bridge Bank PLC is a full-fledged local commercial bank under The Worldbridge Group of Cambodia.

Bridge Bank provides a comprehensive range of banking products, namely Housing, Car, Personal, SME, Business loans, as well as Current, Savings and Fixed Deposit accounts.

Bridge Bank’s vision and mission is “To be your Preferred Financial Partner of Today and Generations to Come” with the mission “To provide Financial Services You Can Trust Through our Global Service Standards, making Banking Simple and Secure”.

For more information, please visit: http://www.bridgebank.com.kh

Phnom Penh: On June 20, 2023, Bridge Bank officially unveils its commercial bank license, a number of new products, a sizable digital banking ecosystem, and its two new branches at Toul Kork, and Takhmau. The Governor of the National Bank of Cambodia’s H.E. Chea Chanto, Bridge Bank .PLC’s Chairman, Neak Oknha Sear Rithy (also Chairman of WorldBridge Group of Companies), and other eminent guests presided over the occasion.

Bridge Bank has the ambition to stand out as the hybrid of commercial banking in the Kingdom, focusing on providing the most relevant and insightful financial advice and solutions to the country’s developing Premier banking and SME segment and its growing sophisticated customers demand with state-of-the-art Digital Banking offerings and best-in-class financing offerings.

The grand opening at the bank’s headquarter will see the opening of Bridge Bank best-in-class ‘Premier Banking Center,’ an exquisite banking hall that will offer full-suite commercial and retail banking to its highly valued customers with extended Premier lounge to assist the bank’s premier banking customers with dedicated and professional personal wealth managers.

The governor of the National Bank of Cambodia, H.E. Chea Chanto, sends his sincere congratulations to Bridge Bank for its achievements and accomplishments to date. He pointed out that the opening of Bridge Bank today is a reflection of the expansion and growth of Cambodia’s banking and financial industry. Bridge Bank has demonstrated its tenacity by growing from a specialized bank into a commercial bank to address the financial needs in the country.

“We have carefully planned our official opening presence by planning our forward-looking strategies and strengthening relationships with partners locally and internationally to ensure that we are launching our services to the public with the highest banking quality. Customer experience is one of our biggest priorities, and we want to make sure that our customers have a pleasant banking experience. And that, of course, necessitates that our employees, especially those who interact with customers, be properly trained in all necessary skills and attitudes.” Said Neak Oknha Sear Rithy, Chairman of the Bridge Bank.

Bridge Bank has invested heavily on new procedures, technology, and staff members. Since last year, the bank has invested in a new Card Management System, a new Core Banking System, and has also entered the digital banking space with its new mobile banking app. Mr. Richard Liew, the bank’s Chief Executive Officer said, “Additionally, the bank will be able to provide a full range of services before the end of the year, including mobile banking, debit cards for ATMs, and credit card services, which will be unveiled very soon”. In addition, the bank has added two new locations this year, in Takhmau and Toul Kork. Following the National Bank of Cambodia’s approval of its licensing application, the bank intends to expand further its branches network and product offerings. Mr. Richard Liew remarked.

About Bridge Bank
Bridge Bank is the local commercial bank with a vision to be your preferred financial partner of today and generations to come that provide financial services you can trust through our global service standards, making banking simple and secure.

Bridge Bank, the customer-centric Cambodian commercial bank, has engaged Bellsnord, a digital banking technology provider from Malaysia, to work on its digital transformation as it aims to become one of the key players in the Kingdom’s digital banking space.

The contract signing on April 7, 2023, was presided over by Gorman Siah, director at Bellsnord, and Richard Liew, the CEO of Bridge Bank, with senior executives from both parties in attendance.

“We will be working closely with Bridge Bank by providing them with cutting-edge DEMAIN internet and mobile banking solutions for both their retail and business banking pillars.

“The DEMAIN API gateway will also be part of the Bellsnord offering, enabling Bridge Bank Cambodia to reside on a world class banking API [application programming interface],” said Bellsnord director Gorman Siah.

Bridge Bank CEO Richard Liew said: “The digital transformation will cover three main areas in helping the bank launch its digital banking services – Bridge Mobile for retail banking customers; corporate mobile and internet banking for primarily business banking customers; and the API gateway for an open banking platform, in particular.

“This will allow the bank to be able to connect to our strategic target partners quickly and securely across both internal and external systems, such as services provider, regulator, bill payment aggregator, mobile top-up aggregator, and so forth,” he said.

Bellsnord provides a complete digital banking solution that features simple-to-use interfaces, powered by complex and powerful technology at the back-end, packaged within their DEMAIN suite of products.

As well as the products offered, Bellsnord consultants work with clients to understand and support their unique businesses, enabling them to present impactful DEMAIN solutions that can be integrated into the clients’ existing banking eco-systems. This results in the delivery of a secure, timely and accurate personalised digital banking experience all customers will enjoy. Bellsnord has a presence in Malaysia, UAE, Vietnam, and now Cambodia.

Bridge Bank is a local commercial bank with the vision of being the preferred financial partner of today and for generations to come, providing trusted financial services through its global service standards, and making banking simple and secure.