2.13 "EBPP/BilIPay Subscriber(s)" means the Onlinecub Customers who has sought EBPP/BillPay services from the Bank and has authorized the Bank to access all or part of their information from the Billing Companies;

2.14 "INTERNET BANKING SERVICE I NET BANKING FACILITY" means Internet Banking Service provided by CUB in the ordinary course of business to Onlinecub Customers including viewing or, viewing and conducting banking transaction through the CUBs Internet Portal/Website and using any other Online Services that may be introduced from time to time by CUB.

2.15 "MASTER MERCHANT" shall mean merchants offering Products and Services through "Online Stores" on their own or their Sub-merchants websites and who have been approved by CUB from time to time for offering such products and services to its Onlinecub Customers

2.16 "ONLINECUB" is the trade name of the CUBs Internet Banking Service to be operated through the Internet.

2.17 "ONLINE SERVICES" shall mean services such as BilIPay facility, E-commerce and other such online services that may be offered from time to time by CUB to its Onlinecub Customers.

2.18 "ONLINE STORE" shall mean the web-sites of the Master Merchants appointed Sub Merchants Websites displaying the particulars of the Products/Services for sale.

2.19 PASSWORDS: "LOGIN PASSWORD" shall mean the password required to login to ONLINECUB and "TRANSACTION PASSWORD" shall mean the password required to make any online transactions on ONLINECUB.

2.20 "PRIVATE KEY" means a key of key pair used to create a digital signature.

2.21 "PUBLIC KEY" means a key of key pair used to verify a digital signature.

2.22 "TERMS" refer to Terms and Conditions for use of Net Banking service as specified in this document. These TERMS form the contract between the Onlinecub Customers and the Bank. By applying for and accessing the service, the Onlinecub Customers irrevocably acknowledges and accepts these TERMS. These TERMS will be in addition to and not in derogation of the terms and conditions relating to any account of the customer.

2.23 "PRODUCTS/SERVICES" shall mean (a) goods and/or services offered for sale by approved Master Merchants and their Sub Merchants to Onlinecub Customer.

2.24 "SECURE ELECTRONIC RECORD": Where any security procedure has been applied to an electronic record at a specific point of time, then such record shall be deemed to be a secure electronic record from such point of time to the time of verification.

2.25 "Sub-Merchants" shall mean merchants appointed from time to time by the Master Merchant.

3. NET BANKING FACILITY:

3.1 The minimum requirement for an Onlinecub Customer availing of Net Banking Facility are

3.1.1 A legal and valid access to the Internet.