á«féªàf G ÜÉ S ábé H ΩGóîà SG π«do SABB Credit Card User Guide

á«féªàf G ÜÉ S ábé H ΩGóîà SG π«do SABB Credit Card User Guide

1 Welcome to the world of SABB Credit Cards SABB Credit Cards are welcomed at over 20 million establishments in the Kingdom and worldwide. Tawarruq mechanism Since SABB Credit Card is based on the Tawarruq concept, the Bank shall carry out a Tawarruq transaction by selling you certain commodities owned by the Bank on a Fudoly basis for the remaining balance of the total amount due. This is done in one instalment, for one month starting as of the due date to settle the Card dues from the proceeds of selling the said commodities. á«féªàf G ÜÉ S äébé H ÉY»`a ºµH kéñmôe á ù SDƒe ƒ«e 20 øe ÌcCG»`a Ö«MÎdG á«féªàf G ÜÉ S äébé H J. É dg ƒmh áµ ªŸG»`a ájqéœ QƒàdG πªy á«dbg ábé ÑdG äé ëà ùe OGó ùd QƒàdG á «U Y á«féªàf G ÜÉ S ábé H Ωƒ J ûc»`a IOQGƒdG ábé ÑdG äé ëà ùe πeéc OGó S ΩóY ÉM»`a áæ«e ké S «ÑH QƒàdG ᫪y AGôLEÉH æñdg Ωƒ j å«ëh,üé ù G ɪLE G ÑŸG øe ÑJ Ée ᪫h ké«dƒ a ké «H æñdg É µ Á É ëà S G ïjqéj øe ô T Jóe ómgh ù H ëà ùÿg á üëÿg déñÿg øe ábé ÑdG äé ëà ùe OGó ùh ΩÉ«dGh. ùdg J «H AGôL øe

2 More secure with SABB Credit Cards SABB 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. For that, please ensure you activate your Card and get a PIN code as soon as you receive the Card so you can enjoy all of its benefits. á«féªàf G ÜÉ S äébé H e ÌcCG ÉeCG π ØH e âbh CG øe kéféecg ÌcCG á«cp ábé H»g á«féªàf G ÜÉ S ábé H, ÉeC Gh ámgôdg øe ké«déy kiƒà ùe ôaƒj»àdgh á «bódg á«fhîµde G áëjô ûdg dòd IôØ ûe äéfé«h»g á«fhîµde G áëjô ûdg»`a áfõîÿg äéfé«ñdéa e ábé ÑdG ΩGóîà SG B G Öéj feéa, dòd áaé VE ÉH.ÉgôjhõJ Ö üj äéhƒë ùdg AGôLE hcg äéjî ûÿg OGó ùd dph É H UÉÿG ô ùdg ºbôdG ô S ºbQ Y ƒ ü Gh ábé ÑdG π«øj øe óccéàdg Öéj dòd.ájó ædg.ägõ«ªÿg òg πc øe IOÉØà S G øe øµªàj àm ábé ÑdG ΩÓà SG Qƒa

3 How to get a PIN code for your SABB Credit Card If this is a new or a replacement Card, please call SABB Direct on 800 124 8888 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 to use your current PIN code The PIN code can be changed easily at any time through any SABB ATM or by calling SABB Direct á«féªàf G ÜÉ S ábé Ñd ô S ºbQ Y π ü «c âcôjgo ÜÉ S 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 800 124 8888 ádƒ S πµhh ájqƒa á jô H ô ùdg ºbôdG Y ºbôdG ΩGóîà SÉH QGôªà S G øµªÿg øªa IOó ábé ÑdG âféc GPEG É G ô ùdg BG ±Gô U ÜôbCG jôw øy âbh CG»`a ô ùdg ºbôdG Ò«J ɵeE ÉH âcôjgo ÜÉ S Y É üj ÉH hcg ÜÉ S `d HÉJ

4 How to use your SABB Credit Card at retail Point-of-Sale (POS) terminals* 1. The cashier will insert your Card in the chip-card reader of the POS terminal. 2. The Card must stay inside the POS terminal during the processing of the purchase transaction. 3. Wait until the cashier requests you to enter your PIN. 4. Enter your Card PIN and wait for the approval response. 5. Once the transaction is approved, collect your sales receipt along with your Card from the cashier. * This method is applied only when the POS terminal supports chip-card technology. If the POS terminal does not support this, then the Card will have to be swiped using 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. É f Iõ LCG»`a á«féªàf G ÜÉ S ábé H Ωóîà ùj «c *ájqééàdg äóëÿg iód «ÑdG É f RÉ L»`a ü üîÿg ɵŸG»`a ábé ÑdG ÉNOEG FÉÑdG Y Öéj.1. «ÑdG ᫪ dg IÎa GƒW «ÑdG É f RÉ L πngóh ábé ÑdG ÑJ CG Öéj.2.á«FGô ûdg. ô ùdg ªbQ ÉNOEG FÉÑdG æe Ö j àm ô àfg.3 Y á agƒÿg RÉ G Vô j àmô àfgh àbé Ñd ô ùdg ºbôdG πnocg.4.᫪ dg áaé VE ÉH «ÑdG É üjeg òncg æµá,᫪ dg ƒñb óæy.5. FÉÑdG øe á«féªàf G ábé ÑdG EG.á«còdG ábé ÑdG á«æ J ºYój «ÑdG É f RÉ L Éc ÉM»`a a òg ΩGóîà S G á jôw Ñ æj* øy á«dé G á jô dg ΩGóîà SG ºà«ùa á«æ àdg òg ºYój «ÑdG É f RÉ L Éc ÉM»`a.» ù«wéæ ŸG jô ûdg á L øe ábé ÑdG ôjô jôw 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

5 How to make your card payments You can pay in Saudi Riyals using one of the following methods: 1. Via SABBNET, our Internet Banking Service, at www.sabb.com (SABB accountholders only). 2. By contacting SABB Direct on 800 124 8888 (SABB accountholders only). 3. Through SADAD service using biller ID 029. 4. By wire transfer from any bank to your Card number. 5. By providing us with standing instructions in writing, to directly debit your SABB current account, to settle your monthly payment due. ábé ÑdG äéahô üe ójó ùj á«`ø«c :á«déàdg ô dg iómeéh Oƒ ùdg ÉjôdÉH ójó ùàdg féµeeéh www.sabb.com bƒÿg ÓN øe âf ÜÉ S jôw øy.1.(üé S äéhé ùm AÓªY) 800 124 8888 ºbôdG Y âcôjgo ÜÉ S `H É üj G.2.(ÜÉ S äéhé ùm AÓªY)."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 Iô TÉÑe º üîæd áªfgódg ä骫àdg áeón jôw øy ké«héàc ÉæeÓYEG.5. ëà ùÿg ÑŸG QÉ G ºµHÉ ùm øe

6 6. By visiting any of our branches to make a cash payment over the counter or use a Cash Deposit Machine. 7. By writing a cheque* in favour of your card account and handing it over at any of our branches or mailing the cheque to: SABB, Card Products Division, P.O. Box 69718, Riyadh 11557 RÉ L ΩGóîà SÉH hcg ôødg»`a Iô TÉÑe ójó ùàdgh ÉæYhôa øe CG IQÉjR.6. ó ædg GójE G, «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,äÉbÉ ÑdG õcôe,üé S 11557 VÉjôdG,69718 Ü. U *Cheque payments should be received by the Bank 7 days before the payment due date to avoid the late payment fees. ΩÉjCG 7 πñb æñ d «ûdg π üj CG Öéj,ábÉ ÑdG äéahô üe ójó ùàd ójèdg á SGƒH «ûdg É SQEG ÉM»`a*.ÒNCÉàdG Ωƒ SQ ao Öæéàd aódg É ëà SG ïjqéj øe

7 e-statements e-statements provide flexibility, convenience and security by enabling you to view your monthly SABB Credit Card statement online. You can view up to three of your latest statements by downloading them in PDF format or printing them from SABBNET. 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 go to www.sabb.com for online registration, or call SABB Direct on 800 124 8888. ÊhεdE G ÜÉ ù G ûc VGô à SG á«féµeeg ÓN øe ÉeC Gh áfhôÿg ÊhεdE G ÜÉ ù G ûc ôaƒj æµáh.âfîfe G á SGƒH ô ûdg á«féªàf G ÜÉ S àbé H ÜÉ ùm ûc VGô à SGh àyéñw hcg PDF á «üh ØM hcg ÜÉ ù G ûc VGô à SG.äÉHÉ ùm ±ƒ ûc ákók ônbg «Y Ée,ÊhεdE G ÜÉ ù G ûc EG ƒ Uƒ d :» j Ée ÉÑJG iƒ S / ±ƒ ûc" Y VG ºK,âf ÜÉ S»`a HÉ ùm EG πnog.1.áëø üdg øe øác G ÖfÉ G»`a OƒLƒŸG "ägqé TEG.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 âcôjgo ÜÉ S `H É üj G hcg,âfîfe G ÈY π«é ùà d www.sabb.com.800 124 8888 Y

8 SABB Credit Card charges Annual fee Gold VISA/MasterCard Card SAR 350 Annual fee Classic VISA/MasterCard Card SAR 225 Revolving credit - on monthly outstanding balance* 28.68% (based on transaction date) Lost Card replacement SAR 100 Late payment** SAR 100 Copy of the sales voucher or statement SAR 25 Cash advance (on withdrawn amount) SAR 100 Hotel/airlines/cars vouchers copy SAR 100 *The annual percentage rate (APR). **To be paid to certified charity organisations. á«féªàf G ÜÉ S äébé H Ωƒ SQ S.Q 350 á«ñgòdg OQÉcÎ SÉe / Gõ«`a ábé Ñd ƒæ ùdg º`` SôdG S.Q 225 ᫵«sóµdg OQÉcÎ SÉe / Gõ«`a ábé Ñd ƒæ ùdg º`` SôdG %28.68 * ëà ùÿg ÑŸG Y QhóŸG ó«uôdg ádƒªy (᫪ dg ïjqéj Y kaéæh) S.Q 100 óbéa óh ábé H QGó UEG S.Q 100 **OGó ùdg ÒNCÉJ Ωƒ SQ S.Q 25 äé «ÑŸG É üjg / ÜÉ ù G ûc øe áî ùf S.Q 100 (܃ë ùÿg ÑŸG Y) ájó f áø S S.Q 100 ägqé«ùdg ÒLCÉJ / OÉæØdG / GÒ dg ƒ ÿ äé «ÑŸG É üjg øe áî ùf.á«béøj G â Ñ ŸG ƒæ ùdg íhôdg ûeég*.á ünôÿg ájòÿg ä髪é d aój**

9 Additional benefits Share the privileges with your family If you wish to extend the benefits of your Card to your family and share its privileges, you can apply for free Supplementary Cards. Applicants must be over 15 years of age Monthly spending limit can be specified for each Supplementary Card To apply, please call SABB Direct on 800 124 8888. For your protection If you lose your Card, you should immediately inform SABB through one of the following channels*: SABB Direct by calling 800 124 8888 within the Kingdom or +966 11 440 8888 from abroad Send the request to the fax number +966 11 402 6375 *Transactions that happen before reporting the lost Card will be charged to the customer. á«aé VEG ägõ«e kéfé á«féªàf G ÜÉ S äébé H ÉjGõe à FÉY QÉ T,ábÉ ÑdG ájƒ Y d ÉgôaƒJ»àdG aéæÿg øe IOÉØà S G «SƒJ»`a âñzq GPEG Y ƒ ü G jôw øy ábé ÑdG ägré«àegh ófgƒa àcqé ûe à FÉY ɵeEÉÑa.kÉfÉ á«aé VEG äébé H kéeéy 15 øy Ωó àÿg ôªy π j CG Öéj Ωó àe πµd ô ûdg ÊɪàF G ó G ójó øµá.800 124 8888 Y âcôjgo ÜÉ S `H É üj G Lôj,áeóÿG Ö H Ωó à d àjéª iómeg jôw øy Iô TÉÑe ÜÉ S ÆÓHEG «Y ÖLƒàj, àbé H Gó a óæy :*á«déàdg πfé SƒdG áµ ªŸG πngo øe 800 124 8888 Y É üj G jôw øy âcôjgo ÜÉ S áµ ªŸG êqén øe +966 11 440 8888 hcg +966 11 402 6375 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*

10 Cash facilities ó ædg Öë ùdg There will be times when you require cash. This could happen when you are in the Kingdom or abroad. Your SABB VISA and MasterCard Cards will enable you to withdraw cash up to 50% of your Credit Card limit from over 250,000 financial institutions and 1,000,000 ATMs in the Kingdom and worldwide..é LQÉN hcg áµ ªŸG πngo AGƒ S çóëj Gògh,ó æ d É «a êéà äébhcg Éæg á«féµeeg á«féªàf G OQÉcÎ SÉeh Gõ«a ÜÉ S äébé H d í«àj àbé Ñd ÊɪàF G ó G øe %50 àm ó ædg Öë ùdg á«dée á ù SDƒe 250,000 øe ÌcCG ÓN øe dph á«féªàf G»`a BG ±Gô U RÉ L 1,000,000 øe ÌcCG EG áaé VEG. É dg ƒmh áµ ªŸG

11 Card Service Centres A network of dedicated Card Service Centres offers services such as card delivery, card replacement, card activation, re-printing of Card statements, reissuing of ICSABB certificates, advice on due amounts and many other convenient services. Card Service Centre locations: Central Region: Riyadh, Al Warood Branch, King Abdulaziz Street Western Region: Jeddah, Al Khaldiyah Branch, Prince Sultan Street Eastern Region: Khobar, Al Agrabiah Branch, Makkah Street äébé ÑdG áeón õcgôe äéeón Ωó J»àdGh á«féªàf G ÜÉ S äébé H AÓªY áeóÿ õcgôe áµñ T»g IOÉYEG,äÉbÉ ÑdG «ûæj,äébé ÑdG GóÑà SG,äÉbÉ ÑdG º«ùJ πãe áyƒæàe á ëà ùÿg déñÿg øy ΩÓ à S G,"Ö ùceg" ºFÉ ùbh äéhé ù G ±ƒ ûc áyéñw.iõ«ªÿg äéeóÿg øe ÉgÒZh äébé ÑdG áeón õcgôe bgƒe õjõ dgóñy ŸG QÉ T,OhQƒdG ôa, VÉjôdG : SƒdG á æÿg É S ÒeC G QÉ T,ájódÉÿG ôa,iól :á«hô dg á æÿg áµe QÉ T,á«Hô dg ôa,èÿg :á«bô ûdg á æÿg

12 ICSABB Rewards Programme ICSABB is a unique loyalty programme that rewards you for using SABB Credit Card. We offer one ICSABB point for every SAR 10 spend on your SABB Credit Card (cash advances and SADAD transactions are excluded). Once you collect 1,000 points (equivalent to SAR 100), you will be able to redeem the points instantly by swiping your SABB Credit Card at the Point-of-sale machine installed at the cash counter against free purchases at a wide range of merchant partner outlets Kingdom-wide. The amount can be redeemed in multiples of 100. You may also use ICSABB points to pay your SABB Credit Card Annual Fees and benefit from a special discount. For the latest ICSABB offers and updated list of participating merchants, please visit our website www.sabb.com or call SABB Direct on 800 124 8888. Note: 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. äbéa鵪 d "Ö ùceg" èeéfôh ÜÉ S àbé H egóîà S Äaɵj ójôa äbéaéµe èeéfôh øy IQÉÑY ƒg "Ö ùceg" èeéfôh Y É ØæJ ä ÉjQ 10 πc πhé e IóMGh "Ö ùceg" á f ëæ ±ƒ S.á«fɪàF G 1,000 ªŒ ÉeóæYh,(IÉæãà ùe OGó S ä髪yh ájó ædg ùdg) á«féªàf G àbé H»`a á«féªàf G àbé H ôjô ÓN øe QƒØdG Y É dgóñà SG øe øµªàj ±ƒ S,á f iód á«fé äéjî ûªc dph «ÑdG É f iód Ò TɵdG»`a É Ñ«côJ»àdG Iõ LC G dgóñà SG øµá òdg ÑŸG.áµ ªŸG ƒm ácqé ûÿg ájqééàdg äóëÿg øe IÒÑc áyƒª.é JÉØYÉ eh ÉjQ 100 ƒg Y á ëà ùÿg ájƒæ ùdg Ωƒ SôdG aód "Ö ùceg" É f ΩGóîà SG ké jcg æµá ɪc VhôY ônbg Y ±ô à d.á UÉÿG Ωƒ SôdG øe IOÉØà S Gh á«féªàf G àbé H bƒe IQÉjõH Gƒ ØJ,ácQÉ ûÿg ájqééàdg äóëÿg áªfébh "Ö ùceg" èeéfôh Y É üj G hcg www.sabb.com ÊhεdE G ÜÉ S.800 124 8888 âcôjgo ÜÉ S ájqééàdg äóëÿg øy á«féªàf G ÜÉ S äébé H» eém ÆÓHEÉH æñdg Ωƒ j ób øe áeó ŸG Vhô dg Y CGô J ób äójó J CÉH hcg ÉgDhÉ deg hcg É àaé VEG ºàj»àdG. æñdg ÉgQô j»àdg á jô déh ácqé ûÿg ôléàÿg

13 Free Credit Protection SABB provides you peace of mind with our free of charge Credit Protection feature, 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. SABB is also proud to be the first bank in the Kingdom to provide such a service absolutely free of charge to its customers. kéfé á«féªàfg ájéªm,êgéÿg á«féªàf G á«àdg èeéfôh e ÉÑdG ámgq ëæá ÜÉ S» µdg õé dg hcg IÉaƒdG ádém»`a FÉÑMCG øy á«déÿg AÉÑYC G Øîj ƒ a àbé H ó«uq Y á eé ûdg á«æ«ecéàdg á«àdg ÒaƒJ ÓN øe ºFGódG hóh kéfé áeóÿg òg Y π üëà S dp EG áaé VEG.á«fɪàF G.ájô T á«aé VEG Ωƒ SQ CG kéfé áeóÿg òg FÓª d Ωó j áµ ªŸG»`a æh hcg fƒµh ÜÉ S ôîàøj.ωƒ SQ CG hóh

14 Limit of protection 100% of outstanding balance up to SAR 50,000 (Classic Credit Cards)* 100% of outstanding balance up to SAR 75,000 (Gold Credit Cards)* In the event of a claim Just call the SABB Takaful Service Centre on 800 126 0006 and submit the relevant documents within 60 days of the incident. *Credit Protection is limited to an aggregate of SAR 100,000 on all types of Credit Cards held by the Primary Cardholder. á«féªàf G á«àdg OhóM àm ô ûdg á«féªàf G ábé ÑdG ó«uq ɪLEG øe %100 *(᫵«sóµdg äébé ÑdG) Oƒ S ÉjQ 50,000 ô ûdg á«féªàf G ábé ÑdG ó«uq ɪLEG øe %100 *(á«ñgòdg äébé ÑdG) Oƒ S ÉjQ 75,000 àm áñdé ŸG ádém»`a ºbQ JÉ dg Y πaéµj ÜÉ S áeón õcôã É üj G iƒ S «Y Ée ákoé G ïjqéj øe kéeƒj 60 ÓN áeródg ägóæà ùÿg Ëó Jh 800 126 0006 äébé ÑdG GƒfCG áaéc Y Oƒ S ÉjQ 100,000 ɪLEG ÑŸ á«féªàf G á«àdg π üj*.𫪠dg É ªëj»àdG á«féªàf G

15 SABB 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, potholing, 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. 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 scheduled aircraft Engaging in aviation other than as fare paying passenger on a regular route of a licensed 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 ägaéæãà S G - ÊɪàF G ÜÉ S ájéªm áæ S 64 øy ójõjh áæ S 18 øy ºgQɪYCG π J øjòdg á«sé SC G á«féªàf G äébé ÑdG ƒ eém :»JB G º J ób Iô ÿg äé VÉjôdG.ô N hcg øebg ÒZ É ûf hcg,á HÉ ùe,á VÉjQ ájcg Y ÜQóàdG hcg»`a ácqé ûÿg ïdeg...äƒ TGQÉÑdÉH õø dgh, ƒdéñdéh GÒ dg,»ygô ûdg GÒ dg, «ØÿG GÒ dg kóeé T ƒ G GÒ dg øe ƒf CG.1 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 ïdeg...πñ ÉH ƒñ dgh ùàdg,±ƒ µdg ±É ûµà SG,Qƒî üdg ùj, ÉÑ G ùj πãe ùàdg äéwé ûf.5.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 Éc AGƒ S dòh ádhé 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 ƒfé dg πñb øe üî ûdg áñbé e É HÉ T Éeh ägqóîÿg hcg, ƒëµdg ÒKCÉJ ÖÑ ùàdg dp øe 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 ÚeCÉà d á HÉ ùdg ä É G á MQ»`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,í ùe É«üY,Oô,äÉHGô VG,IQƒK,á«gCG ÜôM,(áæ e ÒZ hcg áæ e âféc AGƒ S) ÜôM»`a üî ûdg ácqé ûe πµ ûh ácqé ûÿg âféc AGƒ S æy «a πªy CG hcg,ájôµ ùy/á«hôm ɪYCG,áæ Uôb,á«HÉgQEG ɪYCG,ájôµ ùy ɪYCG AGƒ S çƒ àdéh ábóy É d hcg, ƒ«m hcg,»f髪«c, hƒf QÉéØfÉH ábóy É d hcg,öñ ùh hcg øy áœéf,ô TÉÑe ÒZ hcg ô TÉÑe» SÉæJ Vôe CG hcg RójC ÉH ihó dg e Éc hcg jôm ÑJ

16 Protection Shield Purchase protection Your SABB Credit Card purchases will be automatically insured against loss, theft or accidental damage of up to SAR 20,000. Baggage protection Indemnity of up to SAR 6,750 for checked-in personal baggage if delayed, lost, stolen or destroyed during the journey. ájéª G QO äéjî ûÿg ájéªm hcg Gó ØdG ó V É à«j ºà«S á«féªàf G ÜÉ S ábé H Y äéjî ûÿg «ªL. Oƒ S ÉjQ 20,000 àm á VQÉ dg QGô VC G hcg ábô ùdg á àec G ájéªm á àec G øy jƒ àc Oƒ S ÉjQ 6,750 EG π üj Ñe Y ƒ üëà S.ôØ ùdg AÉæKCG à d Vô àj»àdg hcg Gó ØdG hcg ÒNCÉàdG óæy á«üî ûdg For more information, please call SABB Direct âcôjgo ÜÉ S `H É üj G Lôj,äÉeƒ ŸG øe ójõÿg Y ƒ üë d 800 124 8888 / +966 11 440 8888 / www.sabb.com www.sabb.com / +966 11 440 8888 / 800 124 8888

Summary of cover á«àdg õlƒe Purchase protection Summary of benefits Insures purchases made with a Visa/MasterCard Gold and Classic Credit Cards from The Saudi British Bank (SABB) against loss, theft or accidental damage The cover period is up to 30 days within KSA and up to 60 days for other countries in the world Limit of indemnity Up to SAR 10,000 per claim and a maximum of SAR 20,000 in a year for Gold Cards and up to SAR 5,000 per claim and maximum SAR 10,000 in a year for Classic Cards A fee of SAR 150 will be deducted on each and every claim Eligible persons Holders of valid Credit Cards issued by SABB In the event of a claim* Call within 7 days from the date of the incident for claims within KSA and within 30 days from the date of the incident for claims abroad. You will need to complete a claim form** and hand it over with the following: Original purchase receipt Photocopy of Credit Card statement Photocopy of purchase invoice Full description of the circumstances preceding the loss/damage Original police report in the case of lost/stolen/willfully damaged property Damaged property when requested SABB will credit the value of purchase to your Credit Card with a fee of SAR 150 deducted per claim. Excluded items Property that is covered under a guarantee or warranty unless the loss is not otherwise covered Contact lenses and spectacles Dentures and other medical aids including, but not limited to, hearing aids, artificial limbs, crutches, wheelchairs and braces Consumables and perishables Motor vehicles, motorcycles or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model planes and boats Business property or property purchased to be used for a business purpose Cash, bank and currency notes, cheques, traveller s cheques, money orders, postal orders, postage stamps, securities, negotiable instrument of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones Jewellery or any object made of gold or platinum, as well as pearls or precious stones. Silver objects for personal ornament are also excluded Livestock, pets, animals, plants or other living creatures Property sold or given to others except for property that is given to spouse and children äéjî ûÿg ájéªm ÉjGõŸG õlƒe Gó ØdG ó V ÜÉ` S øe IQOÉ üdgh ᫵«sóµdgh á«ñgòdg OQÉcÎ SÉe / Gõ«`a äébé H á SGƒH ºàJ»àdG äéjî ûÿg ÚeCÉJ á«vô dg QGô VC G hcg ábô ùdg hcg iônc G Gó Ñ d áñ ùædéh kéeƒj 60 àmh ájoƒ ùdg á«hô dg áµ ªŸG»`a kéeƒj 30 àm á«àdg Ióe á«àdg óm á«ñgòdg äébé Ñ d IóMGƒdG áæ ùdg»`a Oƒ S ÉjQ 20,000 Qób übcg óëhh áñdé ª d Oƒ S ÉjQ 10,000 ájé d ᫵«sóµdg ábé Ñ d Oƒ S ÉjQ 10,000 Qób übcg óëhh áñdé ª d Oƒ S ÉjQ 5,000h áñdé e πc øy Oƒ S ÉjQ 150 Qób º SQ à j ÚeCÉàdG º «Y Ñ æj øjòdg UÉî TC G ÜÉ S øe IQOÉ üdgh ƒ ØŸG ájqé S ɪàF G äébé H ƒ eém *áñdé ŸG ádém»`a äéñdé ª d áñ ùædéh çoé G ïjqéj øe kéeƒj 30 ÓNh áµ ªŸG πngo äéñdé ª d áñ ùædéh çoé G ïjqéj øe ΩÉjCG 7 ÓN π üjg :á«déàdg ägóæà ùÿg e ª«ùJh **áñdé ŸG êpƒ áäñ J 𫪠dg Y Öéjh êqéÿg»`a AGô ûdg É üjeg π UCG ÜÉ ù G ûc øe IQƒ U AGô ûdg IQƒJÉa øe IQƒ U á ùdg Gó a / J â Ñ S»àdG ±hô d πeéc Uh á ù d óª àÿg àdg / ábô ùdg / Gó ØdG ádém»`a áwô ûdg ôjô J π UCG Ö dg óæy IQô àÿg á ùdg.áñdé e º Sôc Oƒ S ÉjQ 150 Ñe übéf á«féªàf G ºµàbÉ H ÜÉ ùm»`a jƒ àdg Ñe GójEÉH Ωƒ f ±ƒ S IÉæãà ùÿg ùdg ɪ déh e ÒZ á ùdg Gó a øµj Ée ɪ déh ádƒª ûÿg ùdg ägqé ædgh á UÓdG äé Só dg ±GôWC G, ª ùdg Iõ LCG ô ü G ÉãŸG π«ñ S Y πª ûjh iônc G á«ñ dg IóYÉ ùÿg πfé Shh á«yéæ üdg Éæ SC G º WCG ˃ àdg º WCGh ácôëàÿg» SGôµdG,õ«cɵ dg,á«yéæ üdg à d á HÉ dgh á«có à S G OGƒŸG ΩGóîà S ÉH á UÉÿG É üj G Iõ LCG dp»`a ÉÃ) ägqgƒ ù ùce Gh Iõ LC G hcg É JÉcô hcg ájqéædg äélgqódgh ägqé«ùdg ägôfé dgh ÜQGƒ d Iô üÿg êpéªædgh,ägôfé dgh ÜQGƒ dgh á«fgƒ dg äélgqódgh (IQÉ«ùdG»`a ájqéœ VGôZC É egóîà S IGÎ ûÿg ùdg hcg ájqééàdg äéµ àªÿg á HÉ dg ájqééàdg GQhC Gh ájójèdg HGƒ dgh ájójèdg aódg ôeghcgh á«mé«ùdg ä鵫ûdgh ä鵫ûdgh ájó ædg GQhC Gh ó ædg áyƒ ŸG ÒZ ááôµdg QÉéMC Gh âféc kéjcg äébé ÑdG hcg ägóæà ùÿgh IQOÉædG á«fó ŸG äóª dg, FÉÑ ùdg, ƒf CG øe hgóà d á ØdG øe áyƒæ üÿg äééàæÿg hcg á櫪ãdg QÉéMC G hcg DƒdDƒ dg hcg ÚJÓÑdG hcg ÖgòdG øe ƒæ üe èàæe CG hcg ägôgƒéÿg á«üî ûdg áæjõ d áeóîà ùÿgh iônc G á«g äéæféµdgh äéjéñædgh (áø«dc G ÒZh É æe áø«dc G) äéfgƒ«g,á«téÿg ÉØWC G hcg álhõdg hcg êhõ d áeó ŸG äéµ àªÿg AÉæãà SÉH øjônbód IÉ ŸG hcg áyéñÿg äéµ àªÿg

Baggage protection Summary of benefits Eligible persons Holders of valid Visa/MasterCard Gold and Classic Credit Cards 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 Visa/MasterCard Gold and Classic 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 Cardholder or SAR 1,875 for Cardholder and family*. Lost baggage Up to a maximum of SAR 3,375 for Cardholder or SAR 6,750 for Cardholder and 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 required documents**. Exclusions Travelled on a non-commercial carrier or ticket was not purchased using SABB 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, motors, and 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 www.sabb.com á àec G ájéªm ÉjGõŸG õlƒe ÚeCÉàdG º «Y Ñ æj øjòdg UÉî TC G O hcg 3h álhõdg / êhõdgh,üé` S øe IQOÉ üdg ƒ ØŸG ájqé S ᫵«sóµdgh á«ñgòdg OQÉcÎ SÉe / Gõ«`a äébé H ƒ eém.(πeéc ΩGhóH á SGQódG ÉM»`a áæ S 23) áæ S 18 ôªy àm áæsedƒÿg á MôdG d áñ ùædéh ábé ÑdG πeém πñb øe áyƒaóÿg ôø ùdg ábé H ᪫b ɪLEG ƒµj CG Öéj áæedƒe á MôdG Èà J»µd á«ñgòdg OQÉcÎ SÉe / Gõ«`a ábé H Y äó«b ób ábé ÑdG òg πeé Ú agôÿg øjônb G ÚæeDƒŸG UÉî TCÓdh. ƒ ØŸG ájqé S ᫵«sóµdgh á àec G ôncéj jƒ J 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 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 ájqééàdg. a á«üî ûdg ájéæ dg äééàæeh 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 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 ôø ù d ägaéæãà S G á«féªàf G ÜÉ S ábé H á SGƒH IôcòàdG AGô T ºàj ÉM»`a hcg QÉŒ ÒZ πbéf e ºàj òdg ôø ùdg 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 CG 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 OÉàY,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 äéfgƒ«g,äéjéñædg á«có à S G OGƒŸG àdg á jô S OGƒŸG,ô ûædg, 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,áeƒµm CG πñb øe IQOÉ üÿg,üégqe G,(OôªàdG hcg ÓàM G Éãªc) âféc ƒf CG øe äghgó dgh Ühô G,(π«µ ûàdg OÉ dg õªàdg hcg πcbéàdg,á«fƒfé dg ÒZ É ac Gh äéwé ûædg øy áœéædg ôfé ùÿg,áhô ŸG ùdg,áeéy á S hcg Gó ØdG,( R õdg hcg Ò UÉYC G,äÉfÉ «ØdÉH IOhó ÒZh º J) á««ñ dg çogƒ G,»YÉ TE G çƒ àdg,» «Ñ dgh π ÿg hcg (π«dódg AÉØàNG ßMÓjh Ò ùøà d á HÉb ÒZ á jô H á àec G GhR H ó ü j eé dg Gó ØdG) eé dg á àec G hcg á ùdg»`a π UCÉàŸG á ØdG 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 áeég á MÓe ábó dg ägp á ü«dƒñdg ΩɵMCGh hô T îjh.úecéj ó Y Èà j h, a ábé ÑdG πeém áwéme üî ŸG Gòg Qó U 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 øµá»àdgh.ábé ÑdG πeé Ñ ùe QÉ NEG hóh.á ü«dƒñdg ΩɵMCGh hô T Ñ J* www.sabb.com ÊhεdE G ÜÉ S bƒe øe áñdé ŸG êpƒ π«ª ÉµeE ÉH**