| http://www.w3.org/ns/prov#value | - The Bank may at any time and without notice or liability in any way to the Cardmember combine or consolidate any one or all accounts of the Cardmember with the Bank or any affiliate or Subsidiary (whether current or deposit or of any other nature in whatever currency and whether in Pakistan or elsewhere) and/or set-off or apply any money standing to the credit of any one or all of such account in
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