03 April 2017

1. Debit Card-i and Charge Card-i (“Card”) Cardholder’s Responsibilities:

1. Abide by the Terms and Conditions for the use of your Card.
2. Use the Card responsibly. Do not use the Card for unlawful activities.
3. Check your account statement and report any discrepancy to Al Rajhi Bank without undue delay.
4. DO notify Al Rajhi Bank:

• Immediately upon the discovery of Card loss or theft, unauthorised transaction or compromised PIN.
• Immediately upon receiving Short Message Service (SMS) transaction alert if the transaction was unauthorised; and
• Immediately of any change in your contact number.

5. Take reasonable steps to keep your Card and PIN secure at all times:

• DO NOT disclose your Card or PIN details to any other person;
• DO NOT write down the PIN on your Card or on anything kept in close proximity with your Card;
• DO NOT use a PIN selected from your birth date, identity card, passport, driving licence or contact numbers; and
• DO NOT allow any other person to use your Card and PIN.

2. Liability for Unauthorised Transactions

1. You are not liable for card-present unauthorised transactions which require PIN verification, provided you have not:

• Acted fraudulently;
• Delayed in notifying Al Rajhi Bank as soon as reasonably practicable after having discovered the loss or unauthorised use of the Card;
• Voluntarily disclosed the PIN to another person; or
• Recorded the PIN on the Card or on anything kept in close proximity with the Card, and could be lost or stolen with the Card.

2. You are not liable for Card-present unauthorised transactions which require signature verification or a contactless transaction, provided you have not:

• Acted fraudulently;
• Delayed in notifying Al Rajhi Bank as soon as reasonably practicable after having discovered the loss or unauthorised use of the Card;
• Left your Card or an item containing the Card unattended in places visible and accessible to others*; or
• Voluntarily allowed another person to use the Card

*Note: You are expected to exercise due care in safeguarding the Card even at your place of residence.