SABB Credit CardUser Guide

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Welcome to the world of SABB Credit Cards.

By applying for the SABB Visa or SABB MasterCard®

Credit Card you have made the right choice.

SABB Credit Cards are welcomed at over 20 million

establishments in the Kingdom and worldwide.

This guide will enable you to make the best possible

use of your Card as well as explain its benefits and

provide you with answers to your questions. We advise

you to refer to SABBNET frequently at www.sabb.com

so you can view the last updated user guide.

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Welcome to the world ofSABB Credit Cards

2

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.

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

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More secure withSABB Credit Cards

3

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.

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*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 swipedusing the magnetic stripe.

Note: Internet transactions do not require the Credit Card PIN code.Instead, they can only be performed by entering the 3-digitCustomer Verification Value (CVV) found on the back of the Card.

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 calling 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 account to settle your monthly payment due.

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 by mailing the cheque to:

SABB, Card Products Division, P.O. Box 69718, Riyadh 11557

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4

ábÉ£ÑdG äÉahô°üe ójó°ùJ á«`Ø«cHow to make your Card payments

*Cheque payments should be received by the Bank 7 daysbefore the payment due date to avoid the late payment fees.

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e-Statements provide flexibility, convenience and security by enabling you to view your monthly Credit Card statement online. You can view up to six 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.

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5

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.á«bÉØJ’G â– ≥Ñ£ŸG …ƒæ°ùdG íHôdG ¢ûeÉg*

.∫ÉjQ 75 ≈fOCG óëH**

Annual fee Gold VISA/MasterCard® Card SAR 350

Annual fee Classic VISA/MasterCard® Card SAR 225

Supplementary Card Free

Revolving credit - on monthly outstanding balance* 26.64% (based on transaction date)

Lost Card replacement SAR 100

Late payment fee on monthly minimum payment due 2.50%

Late payment penalty charge SAR 100

Copy of the sales voucher SAR 25

Copy of statement SAR 25

Cash advance (on withdrawn amount)** 3.50%

Overlimit charge SAR 100

6

SABB Credit Card charges á«fɪàF’G ÜÉ°S äÉbÉ£H Ωƒ°SQ

*The annual percentage rate (APR).

**With a minimum of SAR 75.

Share the privileges with your family

If you wish to extend the benefits of your Card to your family and share the privileges, you can apply for free supplementary Cards.

• Applicants must be over 18 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 1 440 8888 from abroad

• Send the request to fax number +966 1 402 6375

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Additional benefits

7

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*Transactions that happen before reporting the lost Card will be charged to the customer. .É¡fGó≤a øY ÆÓHE’G ïjQÉJ πÑb ábÉ£ÑdG øY IQOÉ°üdG äÉ«∏ª©dG áaÉc 𫪩dG πªëàj*

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.

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8

A network of dedicated Card Service Centres offers services such as Card delivery, Card replacement, Card activation, reprinting 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 Abdul Aziz Street

• Western Region: Jeddah, Al Khaldiyah Branch, Prince Sultan Street

• Eastern Region: Khobar, Al Agrabiah Branch, Makkah Street

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9

Card Service Centres äÉbÉ£ÑdG áeóN õcGôe

“ICSABB”Rewards Programme

“ICSABB” is a unique loyalty programme that rewards you just for using your SABB 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 participating leading merchants** across the Kingdom.

You may also use these certificates to pay for your SABB Credit Card annual fees. For the latest “ICSABB” offers and updated listof participating merchants, please visit our website www.sabb.com or call SABB Direct on 800 124 8888.

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10

This “ICSABB” Certificate entitles you torewards from the participating merchants asdetailed in the “ICSABB” programme guide.

ABDULLAH A. MOHAMMEDP.O. BOX 9084RIYADH 11413K.S.A.

292271

XXXX XXXX XXX2 3456 123456

31/12/2010

31/12/2011

*Expired and lost “ICSABB” certificates cannot be reissued.

**The Bank may inform SABB Cardholders about any additions orterminations regarding the participating merchants or amendmentsin the merchants’ offers in a manner to be decided by the Bank.

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11

SABB Credit Shield

SABB Credit Shield is a programme designed to protect you against the liability of paying your outstanding balance, in the event of permanent total disability or death. Credit Shield grants you peace of mind, since you don’t have to worry about the burden of your debt in the event of an unforeseen accident.

Credit Shield limits

• 100% of outstanding balance up to SAR 50,000 (Classic Credit Cards)*

• 100% of outstanding balance up to SAR 75,000 (Gold Credit Cards)*

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hCG IÉaƒdG ádÉM »`a á«fɪàF’G ∂àbÉ£H ÜÉ°ùM ó«°UQ ≈∏Y á∏eÉ°T á«æ«eCÉJ

çhóM ∫ÉM »`a ¿ƒjO …CG AÉÑYCG πªëàJ ’ å«ëH ,ˆG Qsób ’ ºFGódG õé©dG

.√hôµe …CG

á«fɪàF’G á«£¨àdG OhóM

≈àM …ô¡°ûdG á«fɪàF’G ábÉ£ÑdG ó«°UQ ‹ÉªLEG øe %100 •*(᫵«°SÓµdG äÉbÉ£ÑdG) …Oƒ©°S ∫ÉjQ 50,000

…ô¡°ûdG á«fɪàF’G ábÉ£ÑdG ó«°UQ ‹ÉªLEG øe %100 •*(á«ÑgòdG äÉbÉ£ÑdG) …Oƒ©°S ∫ÉjQ 75,000 ≈àM

ÊɪàF’G ÜÉ°S ´QO

*Credit Shield is limited to an aggregate of SAR 200,000 on all types ofCredit Cards held by the Cardholder.

»àdG äÉbÉ£ÑdG ´GƒfCG áaÉc ≈∏Y …Oƒ©°S ∫ÉjQ 200,000 ‹ÉªLEG ≠∏ÑŸ á«fɪàF’G á«£¨àdG π°üJ*.ábÉ£ÑdG πeÉM É¡H ßØàëj

12

Monthly premium

If you have subscribed to SABB Credit Shield you will be charged a premium of only 0.49% on your monthly outstanding balance. This premium will be shown on your monthly Credit Card statement. To activate or cancel this feature, you can simply call SABB Direct on 800 124 8888.

In the event of a claim

Just call the SABB Service Centre on 800 126 0006and submit the relevant documents within 60 days ofthe incident.

ájô¡°ûdG ádƒª©dG

ÉgQób ádƒªY ÜÉ°ùàMG ºàj ±ƒ°S ÊɪàF’G ÜÉ°S ´QO »`a kÉcΰûe âæc GPEG

ádƒª©dG √òg ô¡¶à°Sh .…ô¡°ûdG ∂àbÉ£H ÜÉ°ùM ó«°UQ ≈∏Y §≤a %0.49

∂æµÁ áeóÿG AɨdE’ hCG ∑GΰTÓd .…ô¡°ûdG ∂àbÉ£H ÜÉ°ùM ∞°ûc »`a

.800 124 8888 âcôjGO ÜÉ°S ≈∏Y ∫É°üJ’G

áÑdÉ£ŸG ádÉM »`a

Ëó≤Jh 800 126 0006 AÓª©dG áeóN õcôe ≈∏Y ∫É°üJ’G ∂æµÁ

.áKOÉ◊G ïjQÉJ øe kÉeƒj 60 ∫ÓN áHƒ∏£ŸG ≥FÉKƒdGh äGóæà°ùŸG

13 SABB Credit Shield - exclusions äGAÉæãà°S’G - ÊɪàF’G ÜÉ°S ´QO

• 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

• Engaging in aviation other than as 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

áæ°S 64 øY ójõJh áæ°S 18 øY ºgQɪYCG π≤J øjòdG á«°SÉ°SC’G á«fɪàF’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 ... 䃰TGQÉÑdÉH õØ≤dGh ,¿ƒdÉÑdÉH ¿GÒ£dG ,»YGô°ûdG ¿GÒ£dG ,∞«ØÿG ¿GÒ£dG ÓeÉ°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 ,á«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 ,»FÉ«ª«c ,…hƒf QÉéØfÉH ábÓY É¡d hCG ,ÖÑ°ùH hCG øY áŒÉf ,ô°TÉÑe ÒZ hCG ô°TÉÑe

¬©e ¿Éc hCG ≥jôM ¬©ÑJ

»∏°SÉæJ ¢Vôe …CG hCG RójC’ÉH ihó©dG •

14

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 duringthe journey.

äÉjΰûŸG ájɪM

¿Gó≤ØdG ó°V É¡à«£¨J ºà«°S á«fɪàF’G ÜÉ°S ábÉ£H ≈∏Y äÉjΰûŸG ™«ªL

.…Oƒ©°S ∫ÉjQ 20,000 ≈àM á°VQÉ©dG QGô°VC’G hCG ábô°ùdG hCG

á©àeC’G ájɪM

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

Protection Shield ájɪ◊G ´QO

For more information, please call SABB Direct

800 124 8888 / +966 1 440 8888 / www.sabb.com www.sabb.com / +966 1 440 8888 / 800 124 8888

âcôjGO ÜÉ°S `H ∫É°üJ’G ≈Lôj ,äÉeƒ∏©ŸG øe ójõŸG ≈∏Y ∫ƒ°üë∏d

15 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

äÉjΰûŸG ájɪM

ÉjGõŸG õLƒe

ÜÉ`°S øe IQOÉ°üdGh ᫵«°SÓµdGh á«ÑgòdG ®

OQÉcΰSÉe / Gõ«`a äÉbÉ£H ᣰSGƒH ºàJ »àdG äÉjΰûŸG ÚeCÉJ •á«°Vô©dG QGô°VC’G hCG ábô°ùdG hCG ¿Gó≤ØdG ó°V

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 ájɨd •á«µ«°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 ∫ÉjQ150 √Qób º°SQ ™£à≤j •ÚeCÉàdG º¡«∏Y ≥Ñ£æj øjòdG ¢UÉî°TC’G

ÜÉ°S øe IQOÉ°üdGh ∫ƒ©ØŸG ájQÉ°S ¿ÉªàF’G äÉbÉ£H ƒ∏eÉM •*áÑdÉ£ŸG ádÉM »`a

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 𫪩dG ≈∏Y Öéjh êQÉÿG »`a äÉÑdÉ£ª∏d

AGô°ûdG ∫É°üjEG π°UCG •ÜÉ°ù◊G ∞°ûc øe IQƒ°U •

16

• 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 less a fee of SAR 150 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, travellers 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

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«fɪàF’G ºµàbÉ£H ÜÉ°ùM »`a ¢†jƒ©àdG ≠∏Ñe ´GójEÉH Ωƒ≤f ±ƒ°S

IÉæãà°ùŸG ™∏°ùdG

¿Éª°†dÉH ≈£¨e ÒZ á©∏°ùdG ¿Gó≤a øµj ⁄ Ée ¿Éª°†dÉH ádƒª°ûŸG ™∏°ùdG •äGQɶædGh á≤°UÓdG äÉ°Só©dG •

,™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 •Ëƒ≤àdG º≤WCGh ácôëàŸG »°SGôµdG ,õ«cɵ©dG ,á«YÉæ°üdG ±GôWC’G

∞∏à∏d á∏HÉ≤dGh á«cÓ¡à°S’G OGƒŸG •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 êPɪædGh ,äGôFÉ£dGh ÜQGƒ≤dGh á«FGƒ¡dG äÉLGQódGh (IQÉ«°ùdG »`a ΩGóîà°S’ÉH

ájQÉŒ ¢VGôZC’ É¡eGóîà°S’ IGΰûŸG ™∏°ùdG hCG ájQÉéàdG äɵ∏ટG �ájQÉéàdG ¥GQhC’Gh ájójÈdG ™HGƒ£dGh ájójÈdG ™aódG ôeGhCGh á«MÉ«°ùdG äɵ«°ûdGh äɵ«°ûdGh ájó≤ædG ¥GQhC’Gh ó≤ædG •

áÁôµdG QÉéMC’Gh âfÉc kÉjCG äÉbÉ£ÑdG hCG äGóæà°ùŸGh IQOÉædG á«fó©ŸG äÓª©dG ,∂FÉÑ°ùdG ,´ƒf …CG øe ∫hGóà∏d á∏HÉ≤dG

áYƒ£≤ŸG ÒZ

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 äÉæFɵdGh äÉJÉÑædGh (áØ«dC’G ÒZh É¡æe áØ«dC’G) äÉfGƒ«◊G ,á«°TÉŸG •∫ÉØWC’G hCG áLhõdG hCG êhõ∏d áeó≤ŸG äɵ∏ટG AÉæãà°SÉH øjôNBÓd IÉ£¨ŸG hCG áYÉÑŸG äɵ∏ટG •

17

Baggage protection

Summary of benefits

Eligible persons

Holders of a 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 claimWritten 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**.

á©àeC’G ájɪM

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 ®

OQÉcΰSÉe / 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 ‹ÉªLEG ¿ƒµj ¿CG Öéj áæeDƒe á∏MôdG Èà©J »µd

á«ÑgòdG ®

OQÉcΰSÉe / 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 äÉjΰûŸG 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

18

Exclusions

• Travelled on a non-commercial carrier or ticket that 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, travellers 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

ImportantThis 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.

äGAÉæãà°S’G

á«fɪàF’G ÜÉ°S ábÉ£H ᣰSGƒH 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 êPɪædG πª°ûJ) ájGƒ¡c É¡©«ªŒ ºàj »àdG ™£≤dG ,ájôKC’G ™£≤dG ,∫õæŸG çÉKCG •

™ª°ùdG äGhOCG ,¿Éæ°SC’G Qƒ°ùL ,»YÉ棰U’G ∂ØdG ,á≤°UÓdG äÉ°Só©dG ,á«°ùª°ûdG äGQɶædG ,á«Ñ£dG äGQɶædG •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 äɵ«°ûdG ,á«fɪàF’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 •

…CG πÑb øe IQOÉ°üŸG ,ÜÉgQE’G ,(OôªàdG hCG ∫ÓàM’G ∫Éãªc) âfÉc ´ƒf …CG øe äGhGó©dGh Ühô◊G ,(π«µ°ûàdG

¥õªàdG hCG πcBÉàdG ,á«fƒfÉ≤dG ÒZ ∫É©aC’Gh äÉWÉ°ûædG øY áŒÉædG ôFÉ°ùÿG ,áHô¡ŸG ™∏°ùdG ,áeÉY á£∏°S hCG ,áeƒµM

,(∫R’õdG hCG Ò°UÉYC’G ,äÉfÉ°†«ØdÉH IOhó ÒZh º°†J) á«©«Ñ£dG çOGƒ◊G ,»YÉ©°TE’G çƒ∏àdG ,»©«Ñ£dGh …OÉ©dG

hCG (π«dódG AÉØàNG ßMÓjh Ò°ùØà∏d á∏HÉb ÒZ á≤jô£H á©àeC’G ∫GhR ¬H ó°ü≤j ¢†eɨdG ¿Gó≤ØdG) ¢†eɨdG ¿Gó≤ØdG

á©àeC’G hCG á©∏°ùdG »`a π°UCÉàŸG π∏ÿG

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 •hô°Th ΩɵMC’ ™°†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

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