User Guide. SABB Advance Visa Platinum Credit Card

Transcription

1 User Guide SABB Advance Visa Platinum Credit Card

2 Ωóîà ùÿg π«do á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H

3 1 Welcome kéñmôe Welcome to the world of the Shariah-compliant SABB Advance Visa Platinum Credit Card. It s a world that enables you to make purchases easily, without the need to carry cash. This guide explains how to use the Card and describes its various features, while answering most of your queries about the Card. The guide will also highlight the global recognition and benefits you ll receive with your SABB Advance Visa Platinum Credit Card at all HSBC branches worldwide. For further information, please call the SABB Advance Hotline on: or from outside the Kingdom. e á agƒàÿg á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H ÉY»`a ºµH kéñmôe äééàæe øe ºµJÉjÎ ûe ᪫b ójó ùj øe ºµæµ»àdGh á«eó SE G á jô ûdg ΩɵMCG.ó ædg πª álé G ho ádƒ Sh ô ù«h äéeónh ÉgÉjGõe ºµd ÚÑjh ºµàbÉ Ñd πãec G ΩGóîà S G Y π«dódg Gòg ºcóYÉ ù«s.ºµjgqé ùøà SG º Ÿ äéhéle ÉH ºcOhõ«S ɪc,Iójó dg ºµàbÉ H ÖMÉ üj òdg»ÿé dg Ö«MÎdGh ÉjGõŸG ké jcg π«dódg Gòg ºµd í Vƒ«S. É dg ƒm HSBC hôa «ªL iód á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S :ºµd ü üîÿg ùfé"ocg ÜÉ S JÉg Y É üj G Lôj,äÉeƒ ŸG øe ójõÿ.áµ ªŸG êqén øe hcg áµ ªŸG πngo øe

4 2 More secure with SABB Advance Visa Platinum Credit Cards SABB Advance Visa Platinum Credit Card is more secure than ever with the embedded microchip that provides a high level of security and convenience since the data stored inside the chip is encrypted, preventing fraudulent use of the Card. In addition to this, a Credit Card PIN code will have to be used along with the Card to pay for all purchases and for cash withdrawals. Please make sure to activate your Card and to get a PIN code as soon as you get the Card so you can enjoy all of the benefits it provides. á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S äébé H e ÌcCG ÉeCG CG øe kéféecg ÌcCG á«cp ábé H»g á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H ámgôdg øe ké«déy kiƒà ùe ôaƒj»àdgh á «bódg á«fhîµde G áëjô ûdg π ØH e âbh Ö üj IôØ ûe äéfé«h»g á«fhîµde G áëjô ûdg»`a áfõîÿg äéfé«ñdéa, ÉeC Gh ô ùdg ºbôdG e ábé ÑdG ΩGóîà SG B G Öéj feéa, dòd áaé VE ÉH.ÉgôjhõJ øe óccéàdg Öéj dòd.ájó ædg äéhƒë ùdg AGôLE hcg äéjî ûÿg OGó ùd É H UÉÿG øe øµªàj àm ábé ÑdG ΩÓà SG Qƒa ô S ºbQ Y ƒ ü Gh ábé ÑdG π«øj.ábé ÑdG ägõ«øe IOÉØà S G

5 3 How to get a PIN code for your SABB Advance Visa Platinum Credit Card If this is a new or a replacement Card, please call the SABB Advance Hotline on and follow the instructions of the Customer Service representative to obtain a PIN code instantly and easily If the Card is a renewed Card, then you can continue using your current PIN code The PIN code can be changed easily at any time through any SABB ATM or by calling the SABB Advance Hotline á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé Ñd ô S ºbQ Y π ü «c á«féªàf G ÜÉ S JÉg Y É üj G Öé«a,á jóh hcg IójóL ábé ÑdG âféc GPEG ƒ üë d dph AÓª dg áeón Xƒe ä骫j ÉÑJGh ùfé"ocg ádƒ S πµhh ájqƒa á jô H ô ùdg ºbôdG Y É G ô ùdg ºbôdG ΩGóîà SÉH QGôªà S G øµªÿg øªa IOó ábé ÑdG âféc GPEG HÉJ BG ±Gô U ÜôbCG jôw øy âbh CG»`a ô ùdg ºbôdG Ò«J ɵeE ÉH ùfé"ocg ÜÉ S JÉg Y É üj ÉH hcg ÜÉ S `d

6 4 How to use your SABB Advance Visa Platinum Credit Card at retail outlet Point-of-Sale (POS) terminals* The cashier will insert the Card in the chip-card reader of the POS terminal The Card must stay inside the POS terminal during the processing of the purchase transaction Wait until the cashier asks you to enter your PIN Enter your Card PIN and wait for the approval response Once the transaction is approved, collect your sales receipt along with your Credit Card *This method is applicable only when the POS terminal supports chip card technology. If the POS terminal doesn t support it, then the Card will have to be used by swiping the magnetic stripe. Note: Internet transactions do not require the Credit Card PIN code. Instead, they can only be performed by entering the 3-digit Customer Verification Value (CVV) found on the back of the Card. á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H Ωóîà ùj «c *ájqééàdg äóëÿg iód «ÑdG É f Iõ LCG»`a «ÑdG É f RÉ L»`a ü üîÿg ɵŸG»`a ábé ÑdG ÉNOEÉH FÉÑdG Ωƒ «S á«fgô ûdg ᫪ dg IÎa GƒW «ÑdG É f RÉ L πngóh ábé ÑdG ÑJ CG Öéj ô ùdg ªbQ ÉNOEG FÉÑdG æe Ö j àm ô àfg ᫪ dg Y á agƒÿg RÉ G Vô j àm ô àfgh àbé Ñd ô ùdg ºbôdG πnocg FÉÑdG øe ábé ÑdG EG áaé VE ÉH «ÑdG É üjeg òncg æµá,᫪ dg ƒñb óæy á«æ J ºYój «ÑdG É f RÉ L Éc ÉM»`a a òg ΩGóîà S G á jôw Ñ æj* ΩGóîà SG ºà«ùa á«æ àdg òg ºYój «ÑdG É f RÉ L Éc ÉM»`a.á«còdG ábé ÑdG.» ù«wéæ ŸG jô ûdg á L øe ábé ÑdG ôjô jôw øy á«dé G á jô dg ábé ÑdÉH UÉÿG ô ùdg ºbôdG ÉNOE êéà âfîfe G áµñ T Y á«fgô ûdg ä髪 dg :á MÓe.á«fɪàF G ábé ÑdG N áyƒñ ŸGh á«øjô àdg ΩÉbQCG ákóãdg ÉNOEG ºàj dp øe k óhh á«féªàf G

7 5 For your protection If you lose your Card, you should immediately inform SABB through one of the following channels*: SABB Advance Hotline by calling within the Kingdom or from abroad Send the request to fax number *Transactions that happen before reporting the lost Card will be charged to the customer. àjéª πfé SƒdG iómeg jôw øy Iô TÉÑe ÜÉ S ÆÓHEG «Y ÖLƒàj, àbé H Gó a óæy :*á«déàdg πngo øe Y É üj G jôw øy ùfé"ocg ÜÉ S JÉg áµ ªŸG êqén øe hcg áµ ªŸG ºbQ ùcéødg ÈY Ö dg É SQEG.É fgó a øy ÆÓHE G ïjqéj πñb ábé ÑdG øy IQOÉ üdg ä髪 dg áaéc 𫪠dg πªëàj*

8 6 How to make your card payments You can pay in Saudi Riyals using one of the following methods: 1. Via SABBNET at 2. By calling the SABB Advance Hotline on Through SADAD service using biller ID By wire transfer from any bank to your card number. 5. By providing us with standing instructions, in writing, to directly debit your SABB account to settle your monthly payment due. 6. By visiting any of our branches for cash payment over the counter or using the cash deposit machines available at branches. ójó ùj á«`ø«c ábé ÑdG äéahô üe :á«déàdg ô dg iómeéh Oƒ ùdg ÉjôdÉH ójó ùàdg féµeeéh bƒÿg ÓN øe âf ÜÉ S jôw øy ùfé"ocg ÜÉ S JÉg Y É üj G.2."029" ôjƒøÿg ºbQ ΩGóîà SÉH OGó S áeón jôw øy.3.ábé ÑdG ºbQ EG áµ ªŸG»`a ônbg æh iód ÜÉ ùm CG øe πjƒëàdg.4 øe Iô TÉÑe º üîæd áªfgódg ä骫àdg áeón jôw øy ké«héàc ÉæeÓYEG.5. ëà ùÿg ÑŸG ÜÉ S»`a ºµHÉ ùm ΩGóîà SÉH hcg ôødg»`a Iô TÉÑe ójó ùàdgh ÉæYhôa øe CG IQÉjR.6. ó ædg GójE G RÉ L

9 7 7. By writing a cheque* in favour of your Card account and handing it over at any of our branches or by mailing the cheque to: SABB, Card Products Division, P.O. Box 69718, Riyadh *Cheque payments sent by mail should be received by the Bank 7 days before the payment due date to avoid late payment fees., «ûdg π«ü IÎa IÉYGôe e àbé H ÜÉ ùm ídé üd * «T ôjô.7 : EG ójèdéh dé SQEG hcg,üé S hôa øe ôa C ª«ùJh VÉjôdG,69718 Ü. U,äÉbÉ ÑdG õcôe,üé S «ûdg π üj CG Öéj,ábÉ ÑdG äéahô üe ójó ùàd ó``jèdg á` SGƒH ``«ûdg É SQEG ÉM»`a*.ÒNCÉàdG Ωƒ SQ ao Öqæéàd aódg É ëà SG ïjqéj øe ΩÉjCG 7 πñb æñ d

10 8 e-statements e-statements provide flexibility and security by enabling you to view your last three SABB Credit Card statements online. You can view your statements, save them in PDF format or print them. To access your e-statement, simply: 1. Log on to your account on SABBNET and then click on the statements/advices field located on the left-hand side of the page. 2. Click on e-statement on the drop-down menu. 3. Click on the monthly statement you wish to view. If you are not registered with the SABBNET service, please log on to for online registration, or call the SABB Advance Hotline on ÊhεdE G ÜÉ ù G ûc VGô à SG á«féµeeg ÓN øe ÉeC Gh áfhôÿg ÊhεdE G ÜÉ ù G ûc ôaƒj hcg ÜÉ ù G ûc VGô à SG æµáh.âfîfe G á SGƒH ô TCG áà S ônbg äéaƒ ûc. àyéñw hcg PDF á «üh ØM :» j Ée ÉÑJG iƒ S «Y Ée,ÊhεdE G ÜÉ ù G ûc EG ƒ Uƒ d."ägqé TEG / ±ƒ ûc" Y VG ºK,âf ÜÉ S»`a HÉ ùm EG ƒnódg.1.áëø üdg øe øác G ÖfÉ G»`a OƒLƒŸG.áªFÉ dg øe "ÊhεdEG ûc" Y VG.2. VGô à SG OƒJ òdg ô ûdg ÜÉ ù G ûc Y VG.3 bƒÿg IQÉjR Lôj,âf ÜÉ S áeón»`a «é ùj ΩóY ÉM»`a ÜÉ S JÉg Y É üj G hcg,âfîfe G ÈY π«é ùà d ùfé"ocg

11 9 Cash facilities Getting cash advances and access to your account with SABB There will be times when you require cash. This could happen when you are in the Kingdom or abroad. Your SABB Advance Visa Platinum Credit Card will enable you to withdraw cash up to 50% of your credit limit from over 250,000 financial institutions and 1,000,000 ATMs in the Kingdom and worldwide. ó ædg Öë ùdg ô TÉ``ÑŸG ƒ UƒdGh á``jó` ædg äéhƒë ùdg Y ƒ ü G ÜÉ S»`a `HÉ ùm EG.É LQÉN hcg á``µ ªŸG π``ngo AGƒ S çó``ëj Gò``gh,ó æ d É «`a êéà äé``bhcg É``æg ó ædg Öë ùdg á«féµeeg á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H d í«àj øe ÌcCG ÓN øe dph á«féªàf G àbé Ñd ÊɪàF G ó G øe %50 àm»`a BG ±Gô U RÉ L 1,000,000 øe ÌcCG EG káaé VEG,á«dÉe á ù SDƒe 250,000. É dg ƒmh áµ ªŸG

12 10 Charges Annual fee Free Tawarruq profit margin on the outstanding balance* 28.68% Late payment penalty fee** SAR 100 Cash advance fee SAR 100 Lost or stolen card reissuance SAR 100 Supplementary card Free Copy of sales voucher or statement SAR 25 Copy of sales voucher Airlines/travel agencies/cars rental/hotels SAR 100 All other SAR 25 Ωƒ SôdG kéfé ƒæ ùdg º SôdG %28.68 *ºFÉ dg ó«uôdg Y QƒàdG ᫪y íhq ûeég Oƒ S ÉjQ 100 **OGó ùdg øy ÒNCÉàdG áegôz Oƒ S ÉjQ 100 ó ædg Öë ùdg Ωƒ SQ Oƒ S ÉjQ 100 Gó ØdG hcg ábô ùdg ádém»`a GóÑà S G kéfé á«aé VE G ábé ÑdG Oƒ S ÉjQ 25 äéjî ûÿg hcg ÜÉ ù G ±ƒ ûc øe áî ùf äéjî ûÿg ä É üjeg øe áî ùf ÉjQ 100 OÉæØdG /ägqé«ùdg ÒLCÉJ /ôø ùdg ä Éch / GÒ dg ƒ N ÉjQ 25 iôncg *The annual percentage rate (APR). ** To be paid to certified charity organisations..á«béøj G â Ñ ŸG ƒæ ùdg íhôdg ûeég*.á ünôÿg ájòÿg ä髪é d aóoj**

13 11 Additional benefits Share the SABB Advance Visa Platinum Credit Card privileges with your family for free If you wish to extend the benefits of your account to your family and share the privileges of your SABB Advance Visa Platinum Credit Card, you can apply for free supplementary cards. Applicant must be over 15 years of age Monthly spending limit can be specified for each supplementary card To apply, please call the SABB Advance Hotline on á«aé VEG ägõ«e á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S äébé H ägõ«e à FÉY QÉ T kéfé á«féªàf G,ábÉ ÑdG ájƒ Y d ÉgôaƒJ»àdG aéæÿg øe IOÉØà S G «SƒJ»`a âñzq GPEG á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H ägré«àegh ófgƒa àcqé ûe à FÉY ɵeEÉÑa.kÉfÉ á«aé VEG äébé H Y ƒ ü G jôw øy á«féªàf G kéeéy 15 øy Ωó àÿg ôªy π j CG Öéj Ωó àe πµd ô ûdg ÊɪàF G ó G ójó øµá ùfé"ocg ÜÉ S JÉ `H É üj G Lôj,áeóÿG Ö H Ωó à d

14 12 ICSABB Rewards Programme ICSABB is a unique loyalty programme that rewards you just for using your SABB Advance Visa Platinum Credit Card. We give you one ICSABB point for every SAR 10 you spend on your Credit Card (cash advances are excluded). Once you collect 1,000 points, we will mail you one ICSABB Certificate* worth SAR 100. This certificate can be redeemed for free shopping at a wide range of leading, participating merchants** across the Kingdom. äbéa鵪 d "Ö ùceg" èeéfôh ábé H egóîà S Äaɵj ójôa äbéaéµe èeéfôh øy IQÉÑY ƒg "Ö ùceg" èeéfôh πhé e IóMGh "Ö ùceg" á f ëæ ±ƒ S.á«fɪàF G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ÉeóæYh,(IÉæãà ùe ájó ædg ä髪 dg) á«féªàf G àbé H Y É ØæJ ä ÉjQ 10 πc ÉjQ 100 É àª«b ójèdéh *"Ö ùceg" ᪫ùb d π Sôf ±ƒ S,á f 1,000 ªŒ øe IÒÑc áyƒª iód á«fé äéjî ûªc É egóîà SG æµá å«m Oƒ S.áµ ªŸG iƒà ùe Y IóFGôdG **ájqééàdg äóëÿg

15 13 For the latest ICSABB offers and updated participating merchants, please visit our website or call the SABB Advance Hotline on Notes: * Expired and lost ICSABB Certificates cannot be reissued. **The Bank may inform SABB Cardholders about any additions or terminations regarding the participating merchants or amendments in the merchants offers in a manner to be decided by the Bank.,ácQÉ ûÿg ájqééàdg äóëÿg áªfébh "Ö ùceg" èeéfôh VhôY ônbg Y ±ô à d Y É üj G hcg ÊhεdE G Éæ bƒe IQÉjõH Gƒ ØJ ùfé"ocg ÜÉ S JÉg á«mó üdg á«àæÿg hcg IOƒ ØŸG ºFÉ ù dg QGó UEG IOÉYEG øµá * :á MÓe hcg É àaé VEG ºàj»àdG ájqééàdg äóëÿg øy á«féªàf G ÜÉ S äébé H» eém ÆÓHEÉH æñdg Ωƒ j ób** ÉgQô j»àdg á jô déh ácqé ûÿg ôléàÿg øe áeó ŸG Vhô dg Y CGô J ób äójó J CÉH hcg ÉgDhÉ deg. æñdg

16 14 Medical and legal referral A phrase book isn't the best way to ensure a sound medical diagnosis - or to give you the upper hand in a legal dispute. Give us a call and we'll put you in touch with a trusted ISO-audited medical practitioner or a legal professional who speaks your language. Below is the summary of benefits. For more information, contacts, procedure and Terms and Conditions, please visit English: Arabic: medicalandlegal.jsp á«fƒfé dgh á«ñ dg ádéme G ɪc,º«S»ÑW ü«î ûj Y ƒ üë d πãec G á jô dg ù«d äéë üÿg ºé e SQɪà üæd ÉæH É üj G æµá øµdh.êƒféb Gõf CG»`a Ú ŸG ù«d fcg. à d º Øj ±Î ʃfÉ H hcg ISO-audited H ƒkƒe»ñw ägagôle Gh É üj G øjhéæyh äéeƒ ŸG øe ójõÿh.éjgõª d kgõlƒe ÉfOCG óéà S : bƒÿg IQÉjR Lôj ΩɵMC Gh hô ûdgh :ájõ«e G á d :á«hô dg á d medicalandlegal.jsp

17 15 Telephone medical advice Medical service provider referral Monitoring of a medical condition during and after hospitalisation Delivery of essential medicine or equipment Despatch of physician Guarantee of hospital admittance deposit Arrangement of emergency medical evacuation Arrangement of emergency medical repatriation Arrangement of transportation of mortal remains JÉ dg ÈY á«ñw ífé üf á«ñw äéeón Ωó e EG ádéme G Ø ûà ùÿg»`a áeébe G ó Hh AÉæKCG á«ñw ádém áñbgôe ájqhô V á«ñw ägó e hcg ájhocg π«uƒj Ö«ÑW É SQEG Ø ûà ùÿg ƒnód Ωó ŸG ÑŸG ɪ V AiQÉ dg»ñ dg AÓNE G Ö«JôJ êó d øwƒdg EG áfqé dg IOƒ dg Ö«JôJ aƒàÿg ɪãL π f Ö«JôJ

18 16 Arrangement of transportation to join a cardholder Arrangement of return of children Inoculation and visa requirement information Legal referral Interpreter referral Unique merchant offers To view a full set of available offers, please visit English: Arabic: ábé ÑdG πeém AÉ d üî T π æd Ö«JÎdG ÉØWC G IOƒ d Ö«JÎdG Gõ«ØdG äéñ àe äéeƒ e á«fƒfé dg ádéme G ºLΟ ádéme G Iójôa ájqéœ VhôY IQÉjR Lôj IôaƒàŸG Vhô dg øe á eéµdg áyƒªéÿg VGô à S :ájõ«e G á d :á«hô dg á d

19 17 Protection Purchase Protection Purchase Protection provides short-term insurance protection against theft and specified causes of accidental damage, for purchases made with a SABB Advance Visa Platinum Credit Card. If an item covered by purchase protection (whether it s the cardholder s own property or has been given as a gift) is stolen or damaged, benefits will be paid subject to the Terms and Conditions. ájéª G äéjî ûÿg ájéªm á VQÉ dg QGô VC G Hh ábô ùdg ó V ióÿg IÒ üb ájéªm äéjî ûÿg ájéªm ôaƒj.á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H á SGƒH ºàJ»àdG äéjî ûª d á UÉN âféc AGƒ S) äéjî ûÿg ájéªm â πnój á S J hcg ábô S ÉM»`a.ΩɵMC Gh hô ûdg Ö ùm jƒ àdg ao ºà«ùa ( d áeó e ájóg hcg ábé ÑdG πeéëh

20 18 The following table illustrates the benefits associated with the Purchase Protection: :äéjî ûÿg ájéªëh á UÉÿG ÉjGõŸG í Vƒj ÉàdG hó G Description Coverage á«àdg UƒdG Compensation limit per 365 days period Limit per incident up to 90 days from the date of purchase Single article max. limit Single article min. limit Per item excess USD 20,000 USD 5,000 USD 1,500 USD 100 USD 50 Q ho 20,000 Q ho 5,000 Q ho 1,500 Q ho 100 Q ho 50 Ωƒj 365 IÎa ÓN jƒ àdg óm Ωƒj 90 àm - çoém πµd ó G AGô ûdg ïjqéj øe ómgƒdg óæñ d YC G ó G ómgƒdg óæñ d foc G ó G»`aÉ VEG óæh πµd

21 19 Extended Warranty The Extended Warranty from SABB Advance Visa Platinum Credit Cards automatically doubles the original manufacturer's warranty up to 24 months from the date the item is purchased (provided the item was bought using your SABB Advance Visa Platinum Credit Card), whether it s for your own use or bought as a gift. If the retailer or manufacturer won't repair or replace your purchase, just give us a call. ɪ dg ójó ké«fé J YÉ J á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H øe ɪ dg IÎa IGÎ ûe á ùdg ƒµj CG ô ûh) kgô T 24 àm á«uc G qæ üÿg ɪ V Ióe AGƒ S,AGô ûdg ïjqéj øe ( H á UÉÿG á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H á SGƒH hcg í«üj FÉÑdG hcg qæ üÿg πñ j GPEG.ájóg hcg» üî ûdg ΩGóîà SÓd âféc.éæh π üjg a,áyé ÑdG GóÑà SG

22 20 The following table illustrates the benefits associated with the Extended Warranty: Description Compensation limit per 365 days period Single article max. limit Extension period Per item excess Coverage USD 5,000 USD 1,500 Doubles the original manufacturer s warranty period up to a max. of 24 months USD 100 Baggage protection Indemnity of up to SAR 6,750 for checked-in personal baggage if delayed, lost, stolen or destroyed during the journey. : ɪ dg ójóªàh á UÉÿG ÉjGõŸG í Vƒj ÉàdG hó G á«àdg UƒdG Q ho 5,000 Ωƒj 365 IÎa ÓN jƒ àdg óm Q ho 1,500 ómgƒdg óæñ d YC G ó G á«uc G ɪ dg IÎa V ójóªàdg IÎa übcg óëc kgô T 24 àm Q ho 100»`aÉ VEG óæh πµd á àec G ájéªm,òncéj øy jƒ àc Oƒ S ÉjQ 6,750 Ñe àm á«àdg ºà«S.ôØ ùdg AÉæKCG á àec G J hcg Gó a

23 21 Summary of cover Purchase Protection Purchase Protection provides coverage against loss or damage that occurs within 90 days of the date of purchase. No registration of the purchase is necessary. If you need to find out the value of an item for a claim, simply contact the SABB Advance Visa Platinum Credit Card Customer Service Unit. Protection is subject to an excess of USD 50 (or the equivalent in local currency) for each item and occurrence. Your payout is also subject to any other applicable policies or indemnities you may have. If other guarantees are in place, protection is limited only to the amounts not protected and up to the original purchase price. In no event will this guarantee apply as contributing protection. This protection is in excess of all other valid and collectable clauses found in other guarantee or indemnity language. Extended Warranty Items are protected up to the values shown in the Terms and Conditions. The loss or damage must occur within 30 days of the date of purchase and no registration of the purchase is necessary. Warranty á«àdg õlƒe äéjî ûÿg ájéªm ù«d.agô ûdg ïjqéj øe kéeƒj 90 ÓN àdg hcg É«dG ó V á«j äéjî ûÿg ájéªm ôaƒj Lôj,áÑdÉ ª d á ùdg ᪫b áaô e êéà âæc GPEG.á ùdg π«é ùj Qhô dg øe ájéª G îj.á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H AÓªY áeón Y É üj G.ádÉM hcg á S πµd (á«ëÿg á ª déh É HÉ j Ée hcg) Q ho 50 áaé VE âféc GPEG. jód äé jƒ J CG hcg «Ñ à d á HÉb iôncg á ü«dƒh C jƒ àdg îj ɪc ᪫dg àm ŸG ÒZ ÑŸG Y a ô üà J ájéª G EÉa iôncg äéféª V Éæg òg.áªgé ùe ájéªm GƒMC G øe ÉM CÉH Gòg ájéª G ɪ V Èà j ød.á ù d á«uc G äé jƒ àdgh äéféª dg»`a IOƒLƒŸG ájqé ùdg π«üëàdg hô T «ªL RhÉéàJ ájéª G.iôNC G ɪ dg ójó hcg Gó ØdG çhóm Öéj.ΩɵMC Gh hô ûdg»`a IQƒcòŸG ᪫dg àm ùdg á«j ºàj ájéª G îj.á ùdg π«é ùj Qhô dg øe ù«d,agô ûdg øe kéeƒj 30 ÓN àdg.á S πµd (á«ëÿg á ª déh É HÉ j Ée hcg) Q ho 100 FÉØd

24 22 is subject to an excess of USD 100 (or the equivalent in local currency) for each item and occurrence. It s also subject to other applicable policies or indemnities the cardholder may have. If other guarantees are in place, protection is limited only to the amounts not protected and up to the original purchase price. In no event will this guarantee apply as contributing protection. This protection is in excess of all other valid and collectable clauses found in other guarantee or indemnity language. Claim process Making a claim is easy and can be done in four easy steps: Step 1: Call the claims administrator refer contact details below Tell the operator you would like to make a Purchase Protection or Extended Warranty insurance claim They will ask you for your Advance Visa Platinum Credit Card number, so have it ready Step 2: The appropriate claim form is sent for you to complete. πeéëh á UÉN äé jƒ J CG hcg «Ñ à d á HÉb iôncg á ü«dƒh C jƒ àdg îj ɪc.ábÉ ÑdG àm ŸG ÒZ ÑŸG Y a ô üà J ájéª G EÉa iôncg äéféª V Éæg âféc GPEG.á ù d á«uc G ᪫dg.áªgé ùe ájéªm GƒMC G øe ÉM CÉH Gòg ájéª G ɪ V Èà j ød äé jƒ àdgh äéféª dg»`a IOƒLƒŸG ájqé ùdg π«üëàdg hô T «ªL RhÉéàJ ájéª G òg.iônc G :áñdé ŸG ᫪y :ägƒ N HQCG»`a É H ΩÉ«dG øµáh á S áñdé ŸG ᫪y : hc G Iƒ ÿg πø SC ÉH É üj G π«uéøàd ƒlôdg - äéñdé ŸG XƒÃ É üj G á«j áñdé e ájéªm ójó hcg á«j AGô T ójôj fcéh JÉ dg Xƒe ÈNCG H á UÉÿG á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H ºbQ XƒŸG æe Ö «S ké Ñ ùe Égõ éà a

25 23 Step 3: You submit the claim form to the claims administrators for processing together with the receipts for the transactions or your Visa Credit Card statement. Step 4: If the claim is approved, the claims administrator will pay the funds into your nominated account.. déªce d Ö SÉæŸG áñdé ŸG êpƒ É SQEG ºà«S :á«féãdg Iƒ ÿg ᫪y ÒJGƒa e äéñdé ŸG XƒŸ áñdé ŸG êpƒ º«ùàH Ωƒ à S :áãdéãdg Iƒ ÿg. H á UÉÿG Gõ«a ábé H ÜÉ ùm ûc hcg AGô ûdg GójEÉH äéñdé ŸG Xƒe Ωƒ «S,áÑdÉ ŸG Y á agƒÿg â GPEG :á HGôdG Iƒ ÿg.oóëÿg HÉ ùm»`a ÑŸG From outside of Saudi Arabia For general enquiries For claims For complaints Protection Helpline IóYÉ ùÿg ΩÉbQCG +44 (0) [email protected] [email protected] [email protected] ájoƒ ùdg á«hô dg áµ ªŸG êqén øe áeé dg ägqé ùøà SÓd äéñdé ª d ihéµ û d

26 24 More information For more information, please visit: English: Arabic: Protection.jsp Terms and Conditions Please log in to to read the Terms and Conditions of these features. äéeƒ ŸG øe ójõÿg :IQÉjR Lôj,äÉeƒ ŸG øe ójõª d :ájõ«e G á d :á«hô dg á d Protection.jsp :ΩɵMC Gh hô ûdg Iò H á UÉÿG ΩɵMC Gh hô ûdg IAGô d Y ƒnódg Lôj.äÉeóÿG

27 25 Baggage protection Summary of benefits Eligible persons Holders of a valid SABB Advance Visa Platinum Credit Card issued by SABB, their spouse and 3 children up to 18 years (23 years if in full-time education) Insured journey In order to be considered an insured journey, the total travel fare incurred by the Cardholder in respect of himself and other insured persons accompanying the Cardholder should have been charged to his/her SABB Advance Visa Platinum Credit Card. Delayed baggage allowance Indemnity for the costs of emergency purchases in case personal luggage which is checked-in and in the custody of the commercial airline fails to arrive within 10 hours after the Cardholder has reached his scheduled destination. This includes essential clothes and personal care products only. Lost baggage allowance Indemnity for checked-in personal baggage lost, stolen or destroyed during an insured journey. Limit of indemnity Delayed baggage Up to a maximum of SAR 938 for the Cardholder or SAR 1,875 for the Cardholder and his family*. Lost baggage Up to a maximum of SAR 3,375 for the Cardholder or SAR 6,750 for the Cardholder and his family*. In the event of a claim Written proof of claim must be given for processing within 30 days from the date of the incident for domestic travel and 60 days from the date of the incident for international travel including the supporting documents required**. á àec G ájéªm ÉjGõŸG õlƒe ÚeCÉàdG º «Y Ñ æj øjòdg UÉî TC G ôªy àm O hcg 3 h álhõdg / êhõdgh ÜÉ S øe IQOÉ üdg ƒ ØŸG ájqé S á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H ƒ eém.(πeéc ΩGhóH á SGQódG ÉM»`a áæ S 23) áæ S 18 áæsedƒÿg á MôdG UÉî TCÓdh d áñ ùædéh ábé ÑdG πeém πñb øe áyƒaóÿg ôø ùdg ábé H ᪫b ɪLEG ƒµj CG Öéj áæedƒe á MôdG Èà J»µd. ƒ ØŸG ájqé S á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg ÜÉ S ábé H Y äó«b ób ábé ÑdG òg πeé Ú agôÿg øjônb G ÚæeDƒŸG á àec G ôncéj jƒ J ájqééàdg GÒ dg ƒ N Ió Y â ƒµjh É eóà SG ºàj»àdGh á«üî ûdg á àec G ádém»`a áfqé dg äéjî ûÿg äé Øf jƒ J ájéæ dg äééàæeh á«sé SC G ùhóÿg πª ûjh.oƒ ü ŸG ó ÑdG EG ábé ÑdG πeém ƒ Uh ó H äéyé S 10 ÓN É «UƒJ»`a π ûøjh. a á«üî ûdg á àec G Gó a jƒ J. «Y øedƒÿg ôø S AÉæKCG âø J»àdG hcg ábhô ùÿg hcg IOƒ ØŸG á«üî ûdg á àec G ᪫b jƒ J jƒ àdg OhóM á àec G ôncé`j.* à FÉYh ábé ÑdG πeé Oƒ S ÉjQ 1,875 hcg ábé ÑdG πeé Oƒ S ÉjQ 938 EG π üj á àec G Gó a.* à FÉYh ábé ÑdG πeé Oƒ S ÉjQ 6,750 hcg ábé ÑdG πeé Oƒ S ÉjQ 3,375 EG π üj áñdé e OƒLh ádém»`a ôø ù d áñ ùædéh çoé G øe kéeƒj 60h» NGódG ôø ù d áñ ùædéh çoé G øe kéeƒj 30 ÓN áñdé ŸÉH» N äéñkeg Ëó J Öéj.***áHƒ ŸG ägóæà ùÿgh ÒJGƒØdG kóeé T hódg

28 26 Exclusions Travel on a non-commercial carrier or ticket not purchased using a SABB Advance Visa Platinum Credit Card Hand (cabin) baggage Loss caused by or resulting from breakage of brittle or fragile articles Loss as a result of the Cardholder s negligent acts or omissions Automobiles, automobile equipments, boats or other vehicles or conveyances, trailers and motor bicycles Household effects and furnishings, antiques and collector s items Eyeglasses, sunglasses, contact lenses, artificial teeth, dental bridges, hearing aids, prosthetic limbs, prescribed medication Keys, Credit Cards, traveller s cheques, tickets of any kind, negotiable instruments, bullion, rare or precious coins, cash or its equivalent Professional or occupational equipment or property, whether or not electronic business equipment, telephones, computer hardware or software Plants, animals Consumables Perishables There is no coverage for theft or damage caused by fraud, abuse, vermin, alteration (including cutting, sawing, shaping), war or hostilities of any kind (for example invasion, rebellion, or insurrection), terror, confiscation by any government, public authority or customs official, items of contraband, losses arising from illegal activities or acts, normal wear and tear, radioactive contamination, natural disasters (including but not limited to flood, hurricane or earthquake), mysterious disappearance (mysterious disappearance means the item vanishing in an unexplained manner marked by the absence of evidence of the wrongful act of another) or inherent product defect Jewellery or any object made of gold or platinum, as well as pearls or precious stones. Silver objects used for personal adornment are also considered to be jewellery. Important This summary is issued for the Cardholder s information only and is not a contract of insurance. It is subject to the Terms and Conditions of the respective policy, a copy of which is available for sight on reasonable request from SABB. Any endorsement or amendments to the policy shall be binding without prior notice to the Cardholder. *Terms and Conditions apply. **Claim form can be downloaded from our website ägaéæãà S G Gõ«a ùfé"ocg ÜÉ S ábé H á SGƒH IôcòàdG AGô T ºàj ÉM»`a hcg QÉŒ ÒZ πbéf e ºàj òdg ôø ùdg á«féªàf G á«æ«jóñdg IôFÉ dg IQƒ ü e πngo EG e ôaé ùÿg ÉgòNCÉj»àdG á àec G ô ùµ d á HÉ dg hcg á û dg OGƒŸG º øy áœéædg hcg É H ÖÑ ùàj»àdg ôfé ùÿg CÉ ÿg hcg ɪgE G ÖÑ ùh ábé ÑdG πeém øy áœéædg ôfé ùÿg äélgqódg,äécôëÿg,ägqƒ ŸG,iôNC G äéhô dg hcg ÜQGƒ dg,ägqé«ùdg ägó e,ägqé«ùdg (Iô üÿg êpéªædg πª ûj) ájgƒ c É «ªŒ ºàj»àdG dg,ájôkc G dg, õæÿg çékcg ª ùdg äghocg, Éæ SC G Qƒ ùl,»yéæ U G ØdG,á UÓdG äé Só dg,á«ùª ûdg ägqé ædg,á«ñ dg ägqé ædg á«ñ dg äéø UƒdG,á jóñdg á«yéæ üdg ±GôWC G,IóYÉ ùÿg øe hgóà d á HÉ dg ájqééàdg GQhC G,É YGƒfCG «ªéH ôcgòàdg,á«mé«ùdg ä鵫ûdg,á«féªàf G äébé ÑdG,í«JÉØŸG ªµM»`a Éeh ó ædg,äóª dg,ááôµdg QÉéMC G, FÉÑ ùdg, ƒf CG,äÉfƒØ«àdG,á«fhεdE G πª dg ägó e πª ûj hcg â ª T AGƒ S áø«xƒdéh ábóy É d»àdg hcg á«agîm G ägó ŸG GôH hcg B G Ö SÉ G OÉàY äéfgƒ«g,äéjéñædg á«có à S G OGƒŸG àdg á jô S OGƒŸG, dg πª ûj) Ò«àdG,äÉaB G, Ó à S G Aƒ S, GóÿG øy œéædg Qô dg hcg ábô ù d á«j déæg ƒµj ød,(π«µ ûàdg,ô ûædg,áeéy á S hcg,áeƒµm CG πñb øe IQOÉ üÿg,üégqe G,(OôªàdG hcg ÓàM G Éãªc) âféc ƒf CG øe äghgó dgh Ühô G,»YÉ TE G çƒ àdg,» «Ñ dgh OÉ dg õªàdg hcg πcbéàdg,á«fƒfé dg ÒZ É ac Gh äéwé ûædg øy áœéædg ôfé ùÿg,áhô ŸG ùdg ó ü j eé dg Gó ØdG) eé dg Gó ØdG,( R õdg hcg Ò UÉYC G,äÉfÉ «ØdÉH IOhó ÒZh º J) á««ñ dg çogƒ G á àec G hcg á ùdg»`a π UCÉàŸG π ÿg hcg (π«dódg AÉØàNG ßMÓjh Ò ùøà d á HÉb ÒZ á jô H á àec G GhR H øe áyƒæ üÿg äééàæÿg hcg á櫪ãdg QÉéMC G hcg DƒdDƒ dg hcg ÚJÓÑdG hcg ÖgòdG øe ƒæ üe èàæe CGh ägôgƒéÿg á«üî ûdg áæjõ d áeóîà ùÿgh á ØdG áeég á MÓe øµá»àdgh ábó dg ägp á ü«dƒñdg ΩɵMCGh hô ûd îjh.úecéj ó Y Èà j h, a ábé ÑdG πeém áwéme üî ŸG Gòg Qó U Ñ ùe QÉ NEG hóh áeõ e á ü«dƒñdg Y äójó J hcg ägò«œ ájcg Èà à Sh.ÜÉ` S iód Ö dg Ö ùm É æe IQƒ U Y ÓW G.ábÉ ÑdG πeé.á ü«dƒñdg ΩɵMCGh hô T Ñ J* ÊhεdE G ÜÉ S bƒe øe áñdé ŸG êpƒ π«ª ÉµeE ÉH**

29 27 Free Credit Protection SABB provides you peace of mind with our free of charge Credit Protection shield, it takes care of the burden of your loved ones in the unfortunate event of your total and permanent disability or death by settling the total outstanding balance of your Credit Card. What's more, there are no additional monthly charges levied on you to benefit from this feature. Limit of protection 100% of the outstanding balance up to SAR 75,000 Note: Credit Protection is limited to an aggregate limit of SAR 100,000 on all types of Credit Cards held by the Primary Cardholder. In the event of a claim Just call the SABB Takaful Service Centre on and submit the relevant documents within 60 days of the incident. kéfé á«féªàfg ájéªm Vô J ÉM»`a á«féªàf G ájéª G QO e ÉÑdG ámgq d ôaƒf ÜÉ S»`a øëf ó«uq Y á eé ûdg á«æ«ecéàdg á«àdg ÓN øe,(ˆg Qób ) ÅLÉØe çoé AÉÑYC G Øîj É,ºFGódG» µdg õé dg hcg IÉaƒdG ádém»`a á«féªàf G àbé H Ωƒ SQ CG hóh kéfé áeóÿg π üëà S dp EG áaé VEG. FÉÑMCG øy á«déÿg.ájô T á«aé VEG á«féªàf G á«àdg OhóM. Oƒ S ÉjQ 75,000 àm ô ûdg á«féªàf G ábé ÑdG ó«uq ɪLEG øe %100 ßØàëj»àdG äébé ÑdG GƒfCG áaéc Y Oƒ S ÉjQ 100,000 ɪLEG ÑŸ á«féªàf G á«àdg π üj :á MÓe.ábÉ ÑdG πeém É H áñdé ŸG ádém»`a Ëó Jh (πaéµj ÜÉ S)AÓª dg áeón õcôe Y É üj G æµá.ákoé G ïjqéj øe kéeƒj 60 ÓN áhƒ ŸG FÉKƒdGh ägóæà ùÿg

30 28 Utility Bill Payment Service SABB Credit Card enables you to settle your SADAD utility bills* through SABB Direct SABBNET and SABB ATM channels. Paying your utility bills through your SABB Advance Visa Platinum Credit Card will have the following advantages: Benefit from interest-free credit period (maximum 55 days) Your bill payment transactions will appear on your monthly Credit Card statement along with other Card transactions. *Payments related to the Ministry of Interior e.g. traffic fines, as well as SABB payments e.g. EasyBuy instalments, will continue to be excluded from this service and can be paid only using the debit account. Also, ICSABB points are not awarded for the utility bill payment transactions through this service. áeé dg äéeóÿg ÒJGƒa OGó S dph *OGó S áeé dg äéeóÿg ÒJGƒa OGó S á«féµeg ëæ á«féªàf G ÜÉ S ábé H ÉæJÉeóN) âf ÜÉ S hcg ( JÉ dg ÈY á«aô üÿg ÉæJÉeóN) âcôjgo ÜÉ S ÓN øe ÜÉ S ábé Ñd egóîà SG. B G ±ô ü d ÜÉ S Iõ LCG hcg (âfîfe G ÈY á«aô üÿg :á«déàdg ÉjGõŸG ë檫s ÒJGƒØdG OGó ùd á«féªàf G á«æ«jóñdg Gõ«a ùfé"ocg.kéeƒj 55 EG π üj»àdgh ábé ÑdG äé ëà ùe OGó ùd ìéª ùdg IÎa øe IOÉØà S G EG áaé VE ÉH ábé ÑdG ΩGóîà SÉH IòØæŸG á«déÿg JÉ«ªY «ªL VGô à SG ôaƒàÿg ô ûdg ábé ÑdG ÜÉ ùm ûc ÓN øe dph áeé dg äéeóÿg ÒJGƒa.kÉ«fhε«dG ájqhôÿg äéødéîÿg :πãe "á«ngódg IQGRƒd á HÉàdG äéyƒaóÿg" CG á MÓe Lôj* IÉæãà ùe π à S á«fgô ûdg äó«ùàdg É ùbcg,πãe "ÜÉ ùd á HÉàdG äéyƒaóÿg"h jôw øy a Égójó ùj øµáh á«féªàf G ÜÉ S ábé H ΩGóîà SÉH Égójó ùj øµá h ójó ùj ä髪 d "Ö ùcg" É f íæ, dòd áaé VE ÉH.QÉNO G hcg QÉ G ÜÉ ù G.áeóÿG òg jôw øy äéeóÿg ÒJGƒa

31 29 Credit Protection Exclusions Primary Cardholders below the age of 18 and above 64 Engaging in or training for any dangerous or hazardous sports, competitions or activities. Hazardous sports or activities may include the following: 1. Any form of aerial flight including light aircraft, monoplanes, ballooning, hang-gliding, parachuting, etc. 2. Winter sports such as sleighing, ski jumping, ice hockey, etc. 3. Water sports such as powerboats, water skiing, jet skiing, diving, etc. 4. Horse riding activities such as hunting, jumping, polo, racing, etc. 5. Climbing activities such as mountaineering, rock-climbing, pot holing, abseiling, etc. 6. Participation in any kind of power-vehicle race, rally or competition 7. Judo, boxing, karate, wrestling and other martial arts of any kind 8. Bungee jumping. ÊɪàF G ájéªm ägaéæãà S G áæ S 64 øy ójõjh áæ S 18 øy ºgQɪYCG π J øjòdg á«sé SC G á«féªàf G äébé ÑdG ƒ eém äé VÉjôdG.ô N hcg øebg ÒZ É ûf hcg,á HÉ ùe,á VÉjQ ájcg Y ÜQóàdG hcg»`a ácqé ûÿg :»JB G º J ób Iô ÿg, ƒdéñdéh GÒ dg,»ygô ûdg GÒ dg, «ØÿG GÒ dg kóeé T ƒ G GÒ dg øe ƒf CG.1 ïdeg...äƒ TGQÉÑdÉH õø dgh ïdeg...»é ãdg»cƒ dg, É dg õø dg,ó«g Y èdõàdg πãe ájƒà ûdg äé VÉjôdG.2 ïdeg... ù dg,äéñcôÿéh èdõàdg,aéÿg Y èdõàdg,üqgƒ dg äébéñ S πãe á«féÿg äé VÉjôdG.3 ïdeg... ÉÑ ùdg,ƒdƒñdg,õø dg,ó«üdg πãe π«ÿg ܃cQ äéwé ûf.4 ƒñ dgh ùàdg,±ƒ µdg ±É ûµà SG,Qƒî üdg ùj, ÉÑ G ùj πãe ùàdg äéwé ûf.5 ïdeg... πñ ÉH.á«üî ûdg äé ùaéæÿg hcg äé«dgôdg AGƒ S äécôëª d ÉÑ S CG»`a ácqé ûÿg.6. Éà dg ƒæa øe øa CG hcg,áyqé üÿg, «JGQɵdG,áªcÓŸG,hOƒ G äé VÉjQ.7.äÉ ØJôŸG øe πñ ÉH õø dg.8

32 30 Suicide, attempted suicide or self-inflicted injuries by the Participant, while sane or insane Punishment of the Participant by the due process of law Influence of alcohol, narcotics or drugs The committing, or attempting to commit or the aiding or abetting by the Participant of any unlawful act even if, in doing so, there was no intention by the Participant to cause himself injury or sickness Preexisting conditions Engaging in aviation other than as a fare paying passenger on a regular route of a licensed scheduled aircraft Participant s active participation in war (whether declared or not), civil war, insurrection, riot, terrorist act, mutiny, piracy, civil commotion, revolution, military or other acts of violence originating from any political activity, or any loss or damage, cost or expense directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with biological, chemical, or nuclear explosion, pollution, contamination and/or fire following thereon HIV infection/aids or any venereal disease CG hcg ùøæd üî ûdg É H ÖÑ ùàj»àdg áhé UE G hcg»jgòdg ipc G hcg QÉëàf G ádhé,qéëàf G dp ÒZ hcg kóbéy d øedƒÿg Éc AGƒ S dòh ádhé ƒfé dg πñb øe üî ûdg áñbé e É HÉ T Éeh ägqóîÿg hcg, ƒëµdg ÒKCÉJ ó ü dg øµj ƒdh àm ƒfé d dé πªy CÉH ΩÉ«dG Y IóYÉ ùÿg hcg ΩÉ«dG ádhé hcg ΩÉ«dG VôŸG hcg áhé UE G»`a ÖÑ ùàdg dp øe ÚeCÉà d á HÉ ùdg ä É G»`a áø µdg ƒaóe QÉŒ QÉ ùe»`a kgôaé ùe üî ûdg É «a ƒµj»àdg ádé G øy GóY ámóÿg É á ünôeh ádhó á MQ,äÉHGô VG,IQƒK,á«gCG ÜôM,(áæ e ÒZ hcg áæ e âféc AGƒ S) ÜôM»`a üî ûdg ácqé ûe CG hcg,ájôµ ùy/á«hôm ɪYCG,áæ Uôb,á«HÉgQEG ɪYCG,ájôµ ùy ɪYCG,í ùe É«üY,Oô ábóy É d hcg,öñ ùh hcg øy áœéf,ô TÉÑe ÒZ hcg ô TÉÑe πµ ûh ácqé ûÿg âféc AGƒ S æy «a πªy e Éc hcg jôm ÑJ AGƒ S çƒ àdéh ábóy É d hcg, ƒ«m hcg,»f髪«c, hƒf QÉéØfÉH» SÉæJ Vôe CG hcg RójE ÉH ihó dg

33 31 SABB AQSAT With SABB AQSAT you re offered the convenience of paying for your large-value transactions in equal and affordable instalments with profit rates of only 18%. You can now transfer eligible transactions to SABB AQSAT, selecting the most convenient repayment term to suit your budget. Key features Applies to any purchase transaction of over SAR 1,000 made on your Primary or Supplementary cards Absolutely no restrictions on the products you can purchase within the Kingdom or worldwide (excluding cash advances) Choose from our flexible repayment terms of 6, 12 or 24 months Lowest profit rate starting from 18% per annum É ùbcg ÜÉ S JÉ«ªY ᪫b ójó ùjh êéà Ée πc AGô T æµá " É ùbcg ÜÉ S" èeéfôh e B G èeéfèdg EG á gdƒÿg äóeé ŸG ÓN øe ájhé ùàeh Iô ù«e q É ùbcéh á«fgô ûdg. à«fgõ«e Ö ùm áñ SÉæŸG OGó ùdg Ióe QÉ«àNGh äóeé ŸG πjƒ féµeeéh íñ UCG, a %18 á ùaéæÿg ÜÉ S äéeón Ωƒ SQ π ØHh áñ SÉæŸG OGó ùdg Ióe QÉ«àNG ÓN øe " É ùbcg ÜÉ S" èeéfôh EG á gdƒÿg. à«fgõ«ÿ á«ù«fôdg ÉjGõŸG ºàJ ÌcCG hcg Oƒ S ÉjQ 1,000 Ñà á«fgô T á eé e CG Y áeóÿg Ñ æj á«aé VE G hcg á«ù«fôdg ábé ÑdG ΩGóîà SÉH êqénh πngo øe ÉgDhGô T 𫪠d øµá»àdg äééàæÿg Y ké e Oƒ«b hóh (ájó ædg ùdg GóYÉe) áµ ªŸG

34 32 Detailed monthly statements No need for a guarantor No down payments No limit on the number of instalment plans allowed within available credit limit kgô T 24 hcg 12 hcg 6 áªfóÿg OGó ùdg Ióe QÉ«àNG æµá áæ ùdg»`a %18 øe CGóÑJ ìéhqcg áñ ùf πbcg Ñ J kéjô T π üøe ÜÉ ùm ûc ÒaƒJ π«øc hóh áeó e á ao hóh ôaƒàÿg ɪàF G óm øª V É H 샪 ùÿg É ùbc G èegôh Oó d ójó hóh 09 / 2012 CMP MKT