Unless otherwise required under any law/regulation, the Bank will not be required to send you periodic statements for transactions carried out through the Services, as you can view your last 60 days transactions executed on your account through the online statement option. You should not choose a Login Password and Transaction Password you have used before; 4.1.2 Whenever you choose a Login Password and Transaction Password, you must take care not to choose password that is likely to be guessed by anyone trying to access the Service pretending to be you. Both parties agree to submit to the jurisdiction of the Courts in Pakistan in connection with any dispute. 6.1 Operating Times, Changes and Disruptions. 13.1.1 Once you have received notice of any change in the Terms and Conditions, we will treat your subsequent use of the Service as your acceptance of the change (but please remember, you have the right to end your use of the Service at any time). We have the absolute right to change the terms and conditions contained hereunder at any time by giving you notice either in writing, by placing prominent notices at our offices or branches for a period of 15 days or by sending you a message via the Service. 15.1.1 Please enter the code below to proceed further. Alternatively, the Service Software may be supplied to you in some other way. In case of breach of this condition HBL shall not be liable for any loss and/or damage which may consequently occur to you. We will not be responsible for any direct/indirect loss to you that results from such a reversal. Through HBL Express, money can be transferred in over 183 cities in just a matter of a few seconds and that to at your own use. This applies whether the Device has been sourced independently of us or a Device provided by us to access the Service in one of our branches. (ii) Notified us that your Passwords (or any one of them) are or might be known to someone else in accordance with section 4.1.1(v), prior to the unauthorized transactions. We will suspend use of the Service until new password has been set up. 1.2.3 The words “include” and “including” shall not be construed as having any limiting effect; 1.2.4 The singular includes the plural and vice versa; 1.2.5 A gender includes the other genders; 1.2.6 The headings are used for convenience only and do not affect the interpretation of these Terms and Conditions; 1.2.7 The words "in writing" include any communication sent by letter, facsimile transmission or email; 1.2.8 A reference to a document includes the document as modified from time to time and any document replacing it; and. If an unauthorized overdraft is created, we may take appropriate action we think fit and charge any mark- up, damages and charges to the account in question (in accordance with the terms and conditions of that account). You must take all reasonably practicable measures to ensure that any Device from which you access the Service is free of any computer virus or software including, without limitation, devices commonly known as software bombs, Trojan horses and worms (together "Viruses") and is adequately maintained in every way. 19.1 While the Bank maintains strict confidentiality in all matters relating to your account(s) and business, you hereby further consent to the Bank (and/or any of it’s officers/ employees) to disclose any information concerning you, your business, your accounts held with the Bank, or your relationship with the Bank to any of the following: 19.1.1 Any office or branch of the Bank; 19.1.2 Any agent, contractor or third party service provider, or any professional adviser to the Bank; 19.1.3 Any regulatory, supervisory, governmental or quasi-governmental authority; 19.1.4 Any person to whom the Bank is required or authorized by law or court order to make such disclosure; 19.1.5 Any of the Bank's actual or assignee, novate or transferee of, the Bank's rights and/or obligations in relation to you; 19.1.6 Any other person under a duty of confidentiality to the Bank; and. 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