visa / mastercard cardmember agreement - United Overseas Bank ...

standing to the credit of all or any of your existing accounts with us, priorto the setting-off and you shall not be entitled to withdraw the monies,without our prior written consent.20.3 Where a combination, set-off or transfer requires the conversion betweencurrencies, the conversion will be calculated at our then prevailing spotrate of exchange (as fixed by us at our absolute discretion) for purchasingthe currency for which you are liable for.21. DISPUTES21.1 We will not be liable for –a) the refusal of an Authorised Merchant or Authorised Cash Outletto accept the Credit Card; orb) any defect or deficiency in goods or services supplied to you by anAuthorised Merchant or Authorised Cash Outlet or other person.21.2 You must resolve all complains, claims and disputes against anAuthorised Merchant or Authorised Cash Outlet directly, and you agreenot to enjoin us in any such claims, disputes or legal proceedings, and nosuch claim can be set-off against us.21.3 Any claim or dispute which you may have against an AuthorisedMerchant or Authorised Cash Outlet will not relieve you of your obligationto pay us the amounts incurred under this Agreement.21.4 You must contact and update the Authorised Merchant directly on anycancellation of recurring billing standing instruction or charge orcancellation of a Credit Card in connection with any recurring billingstanding instruction. You agree that you will directly forward any claim ordispute in connection with the recurring billing appearing in the Statementof Account to the Authorised Merchant, and that we will not be held liablein any way.