SABB Credit Card User Guide

SABB Cards User Guide

ÜÉ``°S äÉbÉ£H ΩGóîà``°SG π«dO

Welcome

Welcome to the world of SABB Credit Cards.

Your application for the SABB VISA or SABB MasterCard

Credit Card is the right choiceas, SABB Credit Cards are

welcome in over 20 million establishments in the

Kingdom and worldwide. This guide will enable you to

make the best possible use of your card, explain its

benefits and provide you with answers to your

questions. We advise you to keep this guide with you

for reference.

.á«fÉªàF’G ÜÉ°S äÉ```bÉ```£H ⁄É```Y »à º```µH kÉ``ÑMô``è

å«M ,kÉÑFÉ°U kGQGôb ¿Éc OQÉ`cÎ°SÉe ÜÉ°S hCG Gõ`«à ÜÉ°S ábÉ£H ºcQÉ«àNEG

á°ù°SDƒe ¿ƒ«∏e 20 øe ô`ãcCG »à Ö«MÎdG á`«fÉªàF’G ÜÉ°S äÉ`bÉ£H ≈≤∏J

ΩGó`îà°S’G ≈∏Y π``«dódG Gòg ºcóYÉ°ù«°S .⁄É©dG ∫ƒMh áµ∏ªŸG »à ájQÉŒ

äÉHÉLE’ÉH ºcOqhõjh ábÉ£Ñ∏d Iójó©dG ÉjGõŸG ºµd qpÚÑjh ºµàbÉ£Ñd π`ãeC’G

´ƒLôdGh π«dódG Gòg ≈∏Y á¶aÉëŸÉH ºµë°üæf Éªc ,ºµJGQÉ°ùØà°SG º¶©Ÿ

.áLÉ◊G óæY ¬«dEG

kÉ```Ñ`Mô```è

1

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

ábÉ£ÑdG äÉahô°üe ójó°ùJ á«`Ø«cHow to Make Your Card Payments

You can pay in Saudi Riyals using one of the following methods: 1. Via SABBNET (our Internet Banking Service), SABB accountholders

2. By contacting SABB Direct on 800 124 8888, SABB accountholders

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 (if you have not already done so), in writing, to directly debit your SABB current account, to settle your monthly payment due

6. By visiting any of our branches for cash payment over the counter or use the Cash Deposit Machines

7. By writing a cheque* in favour of your card account and handing it in at any of our branches or by mailing the cheque to:

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

*Note: Cheque payments should received by us 7 days before the payment due date to allow time for cheque clearance.

:á«dÉàdG ¥ô£dG ióMEÉH …Oƒ©°ùdG ∫ÉjôdÉH ójó°ùàdG ∂fÉµeEÉ```H

(ÜÉ°S äÉHÉ°ùM AÓªY) âfÎfE’G ÈY á«aô°üŸG ÉæJÉeóN .1

(ÜÉ°S äÉHÉ°ùM AÓªY) 800 124 8888 ºbôdG ≈∏Y âcôjGO ÜÉ°S `H ∫É°üJ’G .2

"029" ôJƒØŸG ºbQ ΩGóîà°SÉH OGó°S áeóN ≥jôW øY .3

ábÉ£ÑdG ºbQ ¤EG áµ∏ªŸG »à ôNBG ∂æH iód ÜÉ°ùM …CG øe πjƒëàdG .4

…QÉ÷G ºµHÉ°ùM øe Iô°TÉÑe º°üîæd áªFGódG äÉª«∏©àdG áeóN ≥jôW øY kÉ«HÉàc ÉæeÓYEG .5

≥ëà°ùŸG ≠∏ÑŸG

…ó≤ædG ´GójE’G RÉ¡L ΩGóîà°SÉH hCG ´ôØdG »à Iô°TÉÑe ójó°ùàdGh ÉæYhôa øe …CG IQÉjR .6

´hôa øe ´ôa …C’ ¬ª«∏°ùJh ,∂«°ûdG π«°ü– IÎa IÉYGôe ™e ∂àbÉ£H ÜÉ°ùM ídÉ°üd *∂«°T ôjô– .7

:¤EG ójÈdÉH ¬dÉ°SQEG hCG ,ÜÉ°S

,äÉbÉ£ÑdG õcôe ,ÜÉ°S

11557 ¢VÉjôdG ,69718 Ü.¢U

πÑb ¬dÉ°SQEG QÉÑàY’G Ú©H òNC’G πeCÉf ,ábÉ£ÑdG äÉahô°üe ójó°ùàd ó``jÈdG á`£°SGƒH ∂``«°ûdG ∫É°SQEG ∫ÉM »à :á```¶MÓe*.ÒNCÉàdG Ωƒ°SQ ™aO Öqæéàd ™aódG ¥É≤ëà°SG ïjQÉJ øe ΩÉjCG 7

2

Charges

Annual fee Gold VISA/MasterCard SAR 350

Annual fee Classic VISA/MasterCard 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%

Over limit charge SAR 100

¢S .Q 350 á«ÑgòdG OQÉcÎ°SÉe/Gõ«à ábÉ£Ñd …ƒæ°ùdG º``°SôdG

¢S .Q 225 á«µ«°SÓµdG OQÉcÎ°SÉe/Gõ«à ábÉ£Ñd …ƒæ°ùdG º``°SôdG

á«fÉ› á©HÉàdG ábÉ£ÑdG

*% 26.64 ≥ëà°ùŸG ≠∏ÑŸG ≈∏Y QhóŸG ó«°UôdG ádƒªY

(á«∏ª©dG ïjQÉJ ≈∏Y kAÉæH)

¢S .Q 100 óbÉa ∫óH ábÉ£H QGó°UEG

% 2.50 ≥ëà°ùŸG ≈fOC’G ≠∏ÑŸG ≈∏Y kÉjô¡°T ,OGó°ùdG ÒNCÉJ ádƒªY

¢S .Q 100 ≥ëà°ùŸG ≠∏ÑŸG OGó°S ÒNCÉJ áèGôZ

¢S .Q 25 ™«ÑdG ∫É°üjEG øY áî°ùf

¢S .Q 25 ábÉ£ÑdG ÜÉ°ùM ∞°ûc øY áî°ùf

% 3.50 **(Üƒë°ùŸG ≠∏ÑŸG ≈∏Y) ájó≤f áØ∏°S

¢S .Q 100 ÊÉªàF’G ó◊G RhÉŒ º°SQ

Ωƒ`````°Sô``dG

3

* The annual percentage rate (APR) ** With a minimum of SAR 75

á«bÉØJ’G â– ≥Ñ£ŸG …ƒæ°ùdG íHôdG ¢ûeÉg *∫ÉjQ 75 ≈fOCG óëH **

Cardholder Agreement

Important: Before you use The Saudi British Bank MasterCard Card and/or Visa Card (”the Card”), please carefully read the Cardholder Agreement printed below. By using the Card, the Cardholder is accepting the Terms & Conditions set out below and will be bound by them as follows:

The Agreement covers The Saudi British Bank Visa/MasterCard and all Terms and Conditions hereincontai ned shall apply. It binds both the Principal Cardholder and the Supplementary Cardholder using the Principal Cardholder’s account who will be liable for charges as stipulated in clause 6.

The card is issued by The Saudi British Bank (“The Bank“) on the following conditions:

1. Issuing of Cards

1.1 Use of the Card is restricted to “the Cardholder“ and subject to these Terms & Conditions, the Card remains valid until its date of expiry mentioned on the Card.

The Card must be signed by the person to whom it is issued (the “Cardholder“) immediately upon receipt.

1.2 The Cardholder will not permit any other person to use the Card and will at all times safeguard the Card and any Personal Identification Number (the “PIN”) issued, and keep it under his/her personal control.

1.3 The Bank will maintain an account in the name of the Cardholder in respect of the Card (the “Card Account“) to which the value of purchases of goods and services, cash advances, fees and charges effected by the use of the Card (“Card Transactions“), any other liabilities of the Cardholder arising under these Terms & Conditions and any loss incurred by the Bank arising from the use of the Card or Card number shall be charged. A statement of amounts so charged will be sent to the Cardholder at his/her last known address and any such statement shall be deemed to have been received by the Cardholder 7 days after dispatch by the Bank.

1.4 The Bank may issue Supplementary Card(s) to any person nominated as a Supplementary Cardholder by the Cardholder. The Terms & Conditions of this Agreement shall apply to the use of any Supplementary Card(s) and the term the “Card” shall whenever applicable include such Supplementary Card(s). The Cardholder shall be bound by and be liable for the use of any Supplementary Card(s). In addition to its other rights and powers under this Agreement,

the Bank may cancel any Supplementary Card(s) at any time, and seek the return of Supplementary Card(s) issued to the Supplementary Cardholder. The Cardholder and Supplementary Cardholder(s) will be jointly and severally liable for all Card Transactions effected by any Supplementary Card(s)

2. Operating your Account

2.1 The Cardholder will be responsible for all credit or other facilities granted by the Bank in respect of the Card and for all related charges hereunder, notwithstanding the termination of this Agreement.

2.2 The Cardholder’s failure to sign any Sales Slip, Cash Advance Slip or Mail Order Coupon will not relieve the Cardholder from liability to the Bank in respect thereof. Copies of the Sales or Cash Advance Slips may be provided at the sole discretion of the Bank subject to an additional charge. Provision of sales slip copies may take a minimum of 30 days subsequent to the Cardholder’s written request to

the Bank.

2.3 The value of all Card Transactions will be charged to the Card Account in the currency of the country (referred to as the “Billing Currency”) as advised by the Bank. Card transactions, which are effected in currencies other than the Billing Currency, will be debited to the Card Account after conversion into the Billing Currency at a rate of exchange to be determined by the Bank from time to time.

2.4 If the Cardholder is authorised by the Bank to use the Card at an ATM belonging to the Bank or associate member of the HSBC Group of companies or any member Bank of Visa International, MasterCard International or any other ATM as advised to the Cardholder from time to time, the following additional Terms & Conditions shall apply:

a) The Cardholder shall accept full responsibility for all transactions processed by the use of the Card at any ATM that accepts it, (the Bank’s record of transactions processed being conclusive and binding for all purposes) and hereby authorises the Bank to debit the Cardholder’s current or savings account as specified in the Card Application (the “Nominated Account”) or the Card Account with the amount of any withdrawal or transfer effected by the use of the Card with or without the Cardholder’s knowledge or authority.

b) The Bank’s record of transactions processed by the use of the Card at an ATM shall be conclusive and binding for all purposes.

c) The Cardholder shall not be entitled to overdraw the Nominated Account or exceed the limit of the Card Account with the Bank.

d) The Bank shall not be responsible for any loss or damage arising directly or indirectly from any malfunction/failure of the Card or ATM arising out of the Cardholder’s mistake, the temporary insufficiency of Funds in such machines or any other reason either within or beyond the Bank’s control.

e) Any cheque deposited at an ATM shall only be credited to the Nominated Account or Card Account after clearing by the Bank (which shall be conclusive and binding as against the Cardholder) and any statement issued on making a deposit shall only represent what the Cardholder purports to have deposited and shall in no way be binding on the Bank.

f) Any cash deposit at an ATM shall only be regarded as having been received by the Bank upon verification and crediting the same to the Nominated Account or Card Account.

2.5 The Cardholder must notify the Bank’s Card Products Department in writing as soon as possible of any changes in the Cardholder’s employment office/home address and telephone numbers.

2.6 The Bank shall not be liable for the refusal of any merchant establishment to accept or honour the Card, nor shall the Bank be responsible in any way for the goods or services supplied to the Cardholder. The Cardholder must resolve any such complaints directly with the merchant establishment. The Bank shall have no responsibility in this respect. No claim by the Cardholder against the merchant establishment may be the subject of a claim against the Bank. The Bank will credit the Cardholder’s Card Account with the amount of any refund only upon receipt of a properly issued credit voucher from the merchant establishment.

2.7 Subject to the relevant policy terms, the Cardholder will be entitled either free of cost or at a fee, to the benefit of any insurance policies, which the Bank may, from time to time, enter into for the benefit of Cardholders. The Bank may vary, suspend or withdraw such benefits at its discretion and the Insurer providing any policy will be solely liable and responsible for the processing and payment

of any claims.

2.8 The Cardholder shall not be entitled to the benefit of any insurance while in breach of any part of these Terms & Conditions, nor in respect of any claim received by the Bank after the cancellation of the Card.

2.9 The Cardholders must not use the card for any unlawful purposes, including the purchase of goods or services prohibited by the laws of the Kingdom of Saudi Arabia.

3. Lost or Stolen Cards

3.1 The loss or theft of a Card must be reported to the Bank’s Card Centre in Dhabab street, Riyadh, Telephone no. 800 124 8888 (within the Kingdom) and +966 1 440 8888 (from abroad) or any Visa/MasterCard member number and confirmed by fax or in writing. A Police Report must also be made of the lost/stolen Card and a copy sent to the Bank if there is suspected misuse. The Cardholder will be responsible for any unauthorised Card Transactions affected before written notice of the loss or theft has been received by the Bank’s Card Centre. The maximum potential liability to the cardholder as a result of lost/ stolen cards will not exceed the approved limit of the card.

3.2 After the Bank receives a written notification of loss or theft of a Card to the Bank’s Card Centre in the country, the Cardholder will have no further liability provided that the Cardholder has acted in good faith and with all reasonable care and diligence in safeguarding the Card and in promptly reporting its loss to the Bank. The decision as to the bona fides of the Cardholder in this regard will rest with the Bank and the Bank reserves the right to cancel the Card and/or any Supplementary Card(s). In case the Cardholder recovers the Card, he/she shall report the matter to the Bank and the Police and immediately hand over the recovered Card to the Bank’s Card Centre in the Country, for destruction. The Cardholder must not make any attempt to use the Card.

3.3 Notwithstanding anything to the contrary herein contained, the Cardholder will be liable for all losses to the Bank arising from the use of the Card by any person obtaining possession of it with the Cardholder’s consent.

3.4 The Bank may, in its absolute discretion, agree to issue a replacement Card for any lost or stolen Card which shall be issued on the same Terms & Conditions as the original Card or as may be amended from time to time. The Bank reserves the right to charge a replacement/handling fee to the Cardholder’s Card Account at a rate to be determined by the Bank and notified to the Cardholder.

4. Credit Limit

4.1 The Bank will assign a credit limit to the Card Account, which must not be exceeded without prior agreement of the Bank.

4.2 If a Cardholder exceeds the assigned credit limit without prior agreement, the Bank may, at its discretion, cancel the Card immediately without notice to the Cardholder and all outstanding amounts will thereupon become immediately due and payable.

4.3 A fee will be charged to the Card Account by the Bank if a Cardholder exceeds the assigned Credit Limit, at a rate to be determined by the Bank and notified to the Cardholder from time to time.

4.4 The Bank assigns a credit limit (”the Credit Limit”) to the Card Account which must be strictly observed by the Cardholder. The Credit Limit is determined by the Bank in accordance with its normal credit policy and is subject to variation from time to time in the Bank’s absolute discretion. The Cardholder may, however, apply for a review of his/her Credit Limit at anytime.

5. Fees

5.1 The Cardholder agrees to pay a non-refundable annual fee for the Card at a rate to be determined by the Bank and notified to the Cardholder from time to time.

5.2 A handling fee will be charged by the Bank on each cash withdrawal or advance and charged to the Cardholder’s Card Account, at a rate to be determined by the Bank and notified to the Cardholder from time to time.

6. Payment and Finance Charges

6.1 Card Payments:

a) A Card Account statement will be sent to the Cardholder at the end of each period (the “Billing Period”) to be determined by the Bank and notified to the Cardholder from time to time, with details

of the total amount outstanding on the Card Account (the “Amount Outstanding”) and the minimum payment due computed at a rate to be determined by the Bank and notified to the Cardholder from time to time (the “Minimum Amount Due”) and the date by which the payment must be made to the Bank (the “Payment Due Date”). The Minimum Amount Due also includes any unpaid minimum amount due from the previous Billing Period(s) and any amount over the Credit Limit.

b) Although finance charges will not be levied if the payment of the whole of the Amount Outstanding is received and cleared by the Bank on or before the Payment Due Date, a finance charge will be levied on cash advances at a rate to be determined by the Bank and notified to the Cardholder from time to time, from the date the cash advance is posted to the Card Account and until it is fully paid. All cheques received by the Bank shall be subject to clearing and funds will only be credited to the Cardholder’s Card Account after clearance.

c) If the Cardholder fails to pay the Bank in cleared funds, the whole of the Amount Outstanding by the Payment Due Date, the outstanding balance will attract a finance charge effective from the date of each card transaction(S) calculated on the average daily balance over the Billing Period, at a rate to be determined by the Bank and notified to the Cardholder from time to time. All new transactions will also attract the finance charge from the date of transaction. The finance charge is debited on the last day of the Billing Period.

d) Without prejudice to the payment of the finance charge referred to in the preceding paragraph (c), if the Cardholder fails to pay the Minimum Amount Due in cleared funds by the Payment Due Date, a late payment fee will be charged at a rate to be determined by the Bank and notified to the Cardholder from time to time.

e) Where payment is made by cheque, the Cardholder should allow 7 business days for the cheque to clear.

f) The Cardholder may issue a direct debit standing instruction on an account with the Bank (the Nominated Account) to settle the Amount Outstanding on the Payment Due Date. For direct

debit standing instructions, the following additional Terms & Conditions shall apply:

i.) The Cardholder agrees that the Bank reserves the right to determine the priority of any such standing instruction against cheques presented to the Nominated Account or any other arrangements made with the Bank.

ii. The Cardholder understands that any amendments and cancellations to any such standing instructions should reach the Bank at least one week before the next Payment Due Date.

g) If any standing instructions, cheque or any other instrument of the Cardholder is not honoured, or there are insufficient cleared funds to meet such payment the Bank at its sole discretion may charge the Cardholder finance charge thereon calculated in accordance with the preceding paragraph (c), and may process any such standing instructions whenever there are sufficient cleared funds to the credit of the Nominated Account after the original date on which such debit was intended.

h) If the Cardholder disagrees with any charge indicated in the monthly statement, the same should be communicated to the Bank within 30 days of the statement date, failing which the bank will not be in a position to guarantee the success of disputing the transaction with the transaction processing Bank and/or the merchant.

6.2 Any Payments made by a Cardholder will be applied by the Bank in or towards payment of the Cardholder’s liabilities to the Bank under these Terms & Conditions in such order as the Bank

may decide.

6.3 The Bank reserves the right to amend the finance charge and other charges from time to time, at its discretion. Publication of charges by such means as the Bank may consider appropriate will constitute effective notice to the Cardholder. Use of the Card after the date upon which any change to these Terms & Conditions is to have effect (as may be specified in the Bank’s notice) will constitute acceptance of such change without reservation by the Cardholder.

6.4 Details of the finance charges and other charges applicable to the Card and its use are available upon request at any of the Bank’s branches in the Kingdom or a copy may be obtained directly from the Bank’s Card Centre in Riyadh.

6.5 The Cardholder acknowledges that the Bank may exercise its rights under Clause 9.8 in the event that the Cardholder fails to pay the Minimum Amount Due by the Payment Due Date.

7. Canceling this Agreement

7.1 The Bank may terminate this Agreement with the Cardholder at any time by canceling the Card with or without prior notice and with or without assigning any reason, or refusing to renew the

.áeÉJ ájÉæ©H á«bÉØJ’G √òg IAGôb ÊÉ£jÈdG …Oƒ©°ùdG ∂æÑdG øe IQOÉ°üdG (ábÉ£ÑdG) OQÉc Î°SÉe/ Gõ«a ábÉ£H ∂dÉª©à°SG πÑb ≈Lôj :ΩÉg

.É¡H Éeõ∏e íÑ°üJh √ÉfOCG IQƒcòŸG •hô°ûdGh OƒæÑdG ≈∏Y â≤aGh ób ¿ƒµJ ábÉ£Ñ∏d ∂dÉª©à°SÉH

√òg »à É¡æY ¢Uƒ°üæŸG ΩÉµMC’Gh •hô°ûdG áaÉc É¡«∏Y ≥Ñ£Jh ÊÉ£jÈdG …Oƒ©°ùdG ∂æÑdG øe IQOÉ°üdG OQÉc Î°SÉe / Gõ«a ábÉ£H á«bÉØJ’G √òg »£¨J

áaÉc øY k’hDƒ°ùe Èà©j …òdGh »°ù«FôdG ábÉ£ÑdG πeÉM ÜÉ°ù◊ Ωóîà°ùŸG á«aÉ°VE’G ábÉ£ÑdG πeÉMh »°ù«FôdG ábÉ£ÑdG πeÉ◊ áeõ∏e »gh .á«bÉØJ’G

:√ÉfOCG á`°SOÉ°ùdG IOÉŸG »à OQh ÉªÑ`°ùM Ωƒ°SôdG

:√ÉfOCG IOQGƒdG •hô°û∏d kÉ≤ÑW (ábÉ£ÑdG) OQÉc Î°SÉe / Gõ«a ¿ÉªàF’G ábÉ£H (∂æÑdG) ÊÉ£jÈdG …Oƒ©°ùdG ∂æÑdG Qó°üj

äÉbÉ£ÑdG QGó°UEG .1

.É¡«∏Y ÚÑŸG AÉ¡àf’G ïjQÉJ ≈àM ∫ƒ©ØŸG ájQÉ°S ábÉ£ÑdG π¶Jh ΩÉµMC’Gh •hô°ûdG √ò¡d ™°†îjh É¡∏eÉM ≈∏Y ábÉ£ÑdG ΩGóîà°SG ô°üà≤j 1.1

.É¡eÓà°SG óæY GQƒa (ábÉ£ÑdG πeÉM) ¬d äQó°U …òdG ¢üî°ûdG πÑb øe ábÉ£ÑdG ≈∏Y ™«bƒàdG ºàj ¿CG Öéj

äÉbhC’G πc »à ¬d Qó°üj …ô°S ºbQ …CGh ábÉ£ÑdG ≈∏Y á¶aÉëŸG ¬«∏Y Ú©àj Éªc É¡eGóîà°SÉH ôNBG ¢üî°T …C’ ìÉª°ùdG ΩóY ábÉ£ÑdG πeÉM ≈∏Y 1.2

.á«°üî°ûdG ¬àHÉbQ â–

äÉeóÿGh ™FÉ°†ÑdG äÉjÎ°ûe áª«b ¬«∏Y ó«≤j ("ábÉ£ÑdG ÜÉ°ùM") ábÉ£ÑdÉH ≥∏©àj Éª«a ábÉ£ÑdG πeÉM º°SÉH ÜÉ°ùëH ∂æÑdG ßØàëj ±ƒ°S 1.3

áÄ°TÉf ábÉ£ÑdG πeÉ◊ iôNCG äÉeGõàdG …CGh ("ábÉ£ÑdG äÓeÉ©e") ábÉ£ÑdG ΩGóîà°SG øY áÄ°TÉædG ∞jQÉ°üŸGh Ωƒ°SôdGh ájó≤ædG ∞∏°ùdGh

” »àdG ≠dÉÑŸÉH ∞°ûc ∫É°SQEG ºà«°Sh .ábÉ£ÑdG ºbQ hCG ábÉ£ÑdG ΩGóîà°SG ÖÑ°ùH ∂æÑdG ÉgóÑµàj IQÉ°ùN …CGh ΩÉµMC’Gh •hô°ûdG √òg ÖLƒÃ

øe ΩÉjCG 7 ó©H ábÉ£ÑdG πeÉM πÑb øe º∏à°SG ób ∞°ûc …CG Èà©jh ,É¡d / ¬d ±hô©e ¿GƒæY ôNBG ≈∏Y ábÉ£ÑdG πeÉ◊ ƒëædG Gòg ≈∏Y Égó«b

.∂æÑdG πÑb øe ¬dÉ°SQEG

á«bÉØJ’G √òg ΩÉµMCGh •hô°T ≥Ñ£Jh .á«aÉ°VEG ábÉ£H πeÉëc ábÉ£ÑdG πeÉM ¬æ«©j ¢üî°T …C’ á«aÉ°VEG äÉbÉ£H hCG ábÉ£H QGó°UEG ∂æÑ∏d Rƒéj 1.4

πeÉM ¿ƒµjh .á«aÉ°VE’G äÉbÉ£ÑdG hCG ábÉ£ÑdG ∂∏J πª°ûJ äOQh ÉªæjCG "ábÉ£ÑdG" áª∏c ¿CG Éªc á«aÉ°VEG äÉbÉ£H hCG ábÉ£H …CG ΩGóîà°SG ≈∏Y

Rƒéj ,á«bÉØJ’G √òg ÖLƒÃ iôNC’G ¬JÉ«MÓ°Uh ¬bƒ≤M ¤EG áaÉ°VE’ÉHh á«aÉ°VEG äÉbÉ£H hCG ábÉ£H …CG ΩGóîà°SG øY k’hDƒ°ùeh kÉeõ∏e ábÉ£ÑdG

ÚdƒÄ°ùe á«aÉ°VE’G / ábÉ£ÑdG ƒ∏eÉM / πeÉMh ábÉ£ÑdG πeÉM ¿ƒµjh .É¡JOÉYEÉH áÑdÉ£ŸGh ,âbh …CG »à á«aÉ°VEG äÉbÉ£H / ábÉ£H …CG AÉ¨dEG ∂æÑ∏d

.á«aÉ°VEG äÉbÉ£H / ábÉ£H …CG ΩGóîà°SÉH ºàJ »àdG ábÉ£ÑdG äÓeÉ©e ™«ªL øY πaÉµàdGh øeÉ°†àdÉH

ºµHÉ°ùM π«¨°ûJ .2

áaÉc øYh ábÉ£ÑdÉH ≥∏©àj Éª«a ∂æÑdG øe áMƒæªŸG iôNC’G äÓ«¡°ùàdG hCG á«fÉªàF’G äÓ«¡°ùàdG áaÉc øY k’hDƒ°ùe ábÉ£ÑdG πeÉM ¿ƒµj 2.1

.á«bÉØJ’G √òg AÉ¡fEG øY ô¶ædG ¢†¨H ábÓ©dG äGP äÉahô°üŸG

¢üàîj Éª«a ∂æÑdG √ÉŒ ¬à«dhDƒ°ùe øe ¬«Ø©j’ ájójôH ôeGhCG ºFÉ°ùb hCG ájó≤f ∞∏°S hCG äÉ©«Ñe ä’É°üjEG …CG ≈∏Y ábÉ£ÑdG πeÉM ™«bƒJ ΩóY ¿EG 2.2

≈∏Y √óMh ∂æÑdG ôjó≤àd kÉ≤ah ¬jó≤ædG ∞∏°ùdG hCG äÉ©«ÑŸG ä’É°üjEG øe ï°ùf Ëó≤J Rƒéjh ájójÈdG ôeGhC’G hCG ájó≤ædG ∞∏°ùdG hCG äÉ©«ÑŸG ∂∏àH

ábÉ£ÑdG πeÉM øe »£N Ö∏W Ëó≤J ó©H kÉeƒj 30 øY π≤J ’ Ióe äÉ©«ÑŸG ä’É°üjEG øe ï°ùf ÒaƒJ ¥ô¨à°ùj óbh .á«aÉ°VEG Ωƒ°Sôd ™°†îJ ¿CG

.∂æÑ∏d

ÉeCG ∂æÑdG É¡H ≠∏Ñj ÉªÑ°ùM (IQƒJÉØdG á∏ªY `H É¡«dEG QÉ°ûj) ádhódG á∏ª©H ábÉ£ÑdG ÜÉ°ùM ≈∏Y ábÉ£ÑdG äÓeÉ©e ™«ªL áª«b ó«b ºàj ±ƒ°S 2.3

…òdG ±ô°üdG ô©°ùH IQƒJÉØdG á∏ªY ¤EG É¡∏jƒ– ó©H ábÉ£ÑdG ÜÉ°ùM ≈∏Y Égó«b ºà«°ùa IQƒJÉØdG á∏ªY ÒZ äÓª©H ºàJ »àdG ábÉ£ÑdG äÓeÉ©e

.ôNB’ âbh øe ∂æÑdG √Oóëj

áYƒªéŸ Ö°ùàæe ƒ°†Y …C’ hCG ∂æÑ∏d á©HÉJ ‹BG ±Gô°U áæ«cÉe …CG »à ábÉ£ÑdG ΩGóîà°SÉH ∂æÑdG πÑb øe kÉ°VƒØe ábÉ£ÑdG πeÉM ¿Éc GPEG 2.4

ábÉ£ÑdG πeÉM QÉ£NEG ºàj ÉªÑ°ùM iôNBG ‹BG ±Gô°U áæ«cÉe …CG hCG ∫Éfƒ«°TÉfÎfEG OQÉcÎ°SÉeh ∫Éfƒ«°TÉfÎfEG Gõ«a »à ƒ°†Y ∂æH …CG hCG HSBC

:á«dÉàdG á«aÉ°VE’G ΩÉµMC’Gh •hô°ûdG ≥«Ñ£J ºà«°ùa ,ôNB’ âbh øe

¿ƒµJh) ábÉ£ÑdG πÑ≤J ‹BG ±Gô°U áæ«cÉe …CG »à ábÉ£ÑdG ΩGóîà°SÉH òØæJ »àdG äÓeÉ©ŸG ™«ªL øY á«dhDƒ°ùŸG πeÉc ábÉ£ÑdG πeÉM πªëàj (CG

ÒaƒàdG ÜÉ°ùM hCG …QÉ÷G ÜÉ°ù◊G ≈∏Y ó«≤j ¿CÉH ∂æÑdG ¢VƒØj Gòg ÖLƒÃh (¢VGôZC’G ™«ª÷ áeõ∏eh á«FÉ¡f äÓeÉ©ŸG ∂∏àd ∂æÑdG äÓé°S

ºàj πjƒ– hCG Öë°S …CG ≠∏Ñe ábÉ£ÑdG ÜÉ°ùM hCG ("Ú©ŸG ÜÉ°ù◊G") ábÉ£ÑdG Ö∏W êPƒ‰ »à ÚÑe ƒg ÉªÑ°ùM ábÉ£ÑdG πeÉëH ¢UÉÿG

.¬à≤aGƒe ¿hóH hCG ¬à≤aGƒÃ hCG ábÉ£ÑdG πeÉM áaô©e ¿hóH hCG áaô©Ã ábÉ£ÑdG ΩGóîà°SÉH

.¢VGôZC’G ™«ª÷ áeõ∏eh á«FÉ¡f ‹BG ±Gô°U áæ«cÉe …CG »à ábÉ£ÑdG ΩGóîà°SÉH òØæJ »àdG äÓeÉ©ŸÉH á°UÉÿG ∂æÑdG äÓé°S ¿ƒµJ (Ü

.∂æÑdG iód ábÉ£ÑdG ÜÉ°ùM hCG Ú©ŸG ÜÉ°ù◊G øe ±ƒ°ûµŸG ≈∏Y Öë°ùdG ábÉ£ÑdG πeÉ◊ ≥ëj ’ (ê

áæ«cÉe hCG ábÉ£Ñ∏d çóëj π∏N hCG Qƒ°üb …CG øY Iô°TÉÑe ÒZ hCG Iô°TÉÑe IQƒ°üH A»°TÉf Qô°V hCG IQÉ°ùN …CG øY k’hDƒ°ùe ∂æÑdG ¿ƒµj ød (O

êQÉN hCG øª°V ôNBG ÖÑ°S …C’ hCG øFÉµŸG ∂∏J »à áàbDƒe áØ°üH ó«°UôdG ájÉØc Ωó©d hCG ábÉ£ÑdG πeÉM ¬ÑµJôj CÉ£N ÖÑ°ùH ‹B’G ±Gô°üdG

.∂æÑdG Iô£«°S

∂æÑdG πÑb øe ¬àª«b π«°ü– ó©H §≤a ábÉ£ÑdG ÜÉ°ùM hCG Ú©ŸG ÜÉ°ù◊G »à ‹B’G ±Gô°üdG áæ«cÉe »à Óƒj ∂«°T …CG áª«b ó«b ºàj ±ƒ°S (`g

ødh ¬YOhCG ¬fCG ábÉ£ÑdG πeÉM »Yój Ée §≤a ´GójE’G AGôLG óæY Qó°üj ∞°ûc …CG πãÁh (ábÉ£ÑdG πeÉM √ÉŒ áeõ∏eh á«FÉ¡f ¿ƒµà°S »àdGh)

.∫Éµ°TC’G øe πµ°T …CÉH ∂æÑ∏d kÉeõ∏e ¿ƒµj

ábÉ£ÑdG ÜÉ°ùM hCG Ú©ŸG ÜÉ°ù◊G »à √ó«bh ¬æe ≥≤ëàdG ó©H ∂æÑdG πÑb øe ¬eÓà°SG ” ¬fÉH ‹B’G ±Gô°üdG áæ«cÉe »à …ó≤f ´GójEG …CG Èà©j (h

∞JÉg ΩÉbQCGh ¿GƒæY ≈∏Y CGô£J äGÒ«¨J …CG øY øµÁ Ée ´ô°SCÉHh kÉ«£N ∂æÑdÉH á«aô°üŸG äÉbÉ£ÑdG IQGOEG ÆÓHG ábÉ£ÑdG πeÉM ≈∏Y Öéj 2.5

∫õæŸG / ÖàµŸG / πª©dG

ºàj »àdG äÉeóÿG hCG ™FÉ°†ÑdG øY á≤jôW ájCÉH k’hDƒ°ùe ¿ƒµj ød ¬fCG Éªc ,ábÉ£ÑdG ∫ƒÑb ájQÉŒ á°ù°SDƒe …CG ¢†aQ øY k’hDƒ°ùe ∂æÑdG ¿ƒµj ød 2.6

…CG ∂æÑdG ≈∏Y ÖJÎJ ødh ,ájQÉéàdG á°ù°SDƒŸG ™e Iô°TÉÑe ihÉµ°ûdG ∂∏J øe …CG πM ábÉ£ÑdG πeÉM ≈∏Y Öéjh .É¡H ábÉ£ÑdG πeÉM ójhõJ

∂æÑdG Ωƒ≤j ±ƒ°Sh .∂æÑdG √ÉŒ áÑdÉ£e ´ƒ°Vƒe ájQÉéàdG á°ù°SDƒŸG ó°V ábÉ£ÑdG πeÉM øe iƒYO …CG ¿ƒµJ ødh ,¢Uƒ°üÿG Gòg »à á«dhDƒ°ùe

á°ù°SDƒŸG øe í«ë°U πµ°ûH IQOÉ°U øFGO ó«b áª«°ùb ≈≤∏àj ¿CG ó©H §≤a ábÉ£ÑdG πeÉëH ¢UÉÿG ábÉ£ÑdG ÜÉ°ùM »à OÎ°ùe ≠∏Ñe …CG ó«≤H

.ájQÉéàdG

ídÉ°üd É¡«a ∫ƒNódÉH ôNB’ âbh øe ∂æÑdG Ωƒ≤j ÚeCÉJ ¢üdGƒH ájCG ÉjGõe ≈∏Y ∫ƒ°ü◊G ábÉ£ÑdG πeÉ◊ ≥ëj á«æ©ŸG á°ü«dƒÑdG •hô°ûd É≤ah 2.7

»àdG ÚeCÉàdG ácô°T ≈∏Y ™≤Jh √QÉ«àN’ kÉ≤ah ÉjGõŸG √òg Öë°S hCG ≥«∏©J hCG Ò«¨J ∂æÑ∏d Rƒéjh .º°SQ πHÉ≤e hCG kÉfÉ› AGƒ°S äÉbÉ£ÑdG »∏eÉM

.äÉÑdÉ£e ájCG OGó°Sh ò«ØæJ á«dhDƒ°ùe ÉgóMh á°ü«dƒH ájCG ôaƒJ

ó©H ∂æÑdG É¡ª∏à°ùj áÑdÉ£e ¿CÉ°ûH hCG ΩÉµMC’Gh •hô°ûdG √òg øe …CÉH ¬dÓNEG AÉæKCG ÚeCÉJ …CG ÉjGõe ≈∏Y ∫ƒ°ü◊G ábÉ£ÑdG πeÉ◊ ≥ëj’ 2.8

.ábÉ£ÑdG AÉ¨dEG

áµ∏ªŸG ÚfGƒb ÖLƒÃ áYƒæ‡ äÉeóN hCG ™∏°S AGô°T ∂dP »à ÉÃ á«fƒfÉb ÒZ ¢VGôZCG …C’ ábÉ£ÑdG ΩGóîà°SG ΩóY ábÉ£ÑdG πeÉM ≈∏Y Öéj 2.9

.ájOƒ©°ùdG á«Hô©dG

ábhô°ùŸG hCG IOƒ≤ØŸG äÉbÉ£ÑdG .3

∞JÉ¡dG ≈∏Y ¢VÉjôdÉH ÜÉÑ°†dG ´QÉ°ûH ∂æÑ∏d ™HÉàdG á«aô°üŸG äÉbÉ£ÑdG õcôe ¤EG ábÉ£ÑdG ábô°S hCG ¿Gó≤a øY ÆÓHE’G Öéj 3.1

OQÉcÎ°SÉe / Gõ«a AÉ°†YCG óMCÉH ¢UÉN ∞JÉg ºbQ …CG hCG (áµ∏ªŸG êQÉN) +966 1 440 8888 ∞JÉ¡dGh (áµ∏ªŸG πNGO) 800 124 8888

ÆÓÑdG Gòg øe IQƒ°U ¥ÉaQEGh ábÉ£ÑdG ábô°S / ¿Gó≤ØH áWô°ûdG ÆÓHEG É°†jCG Öéj Éªc kÉ«HÉàc hCG ¢ùcÉØdG ≥jôW øY ∂dP ó«cCÉJh ∫Éfƒ«°TÉfÎfG

á£°SGƒH Égò«ØæJ ºàj ¬°VƒØe ÒZ äÓeÉ©e …CG øY k’hDƒ°ùe ábÉ£ÑdG πeÉM ¿ƒµjh ábÉ£Ñ∏d ΩGóîà°SG Aƒ°S …CÉH √ÉÑà°T’G ∫ÉM »à ∂æÑdG ¤EG

á«dhDƒ°ùª∏d ≈°übC’G ó◊G RhÉéàj ød .ábÉ£ÑdG ábô°S hCG ¿Gó≤ØH ó«Øj »HÉàc QÉ©°TE’ ∂æÑ∏d ™HÉàdG á«aô°üŸG äÉbÉ£ÑdG õcôe ΩÓà°SG πÑb ábÉ£ÑdG

.¬«∏Y ≥aGƒŸG ábÉ£ÑdG óM äÉbÉ£ÑdG ábô°S /¿Gó≤a áé«àf ábÉ£ÑdG πeÉM ≈∏Y á∏ªàëŸG

á«dhDƒ°ùe …CG πªëàj ød ábÉ£ÑdG πeÉM ¿EÉa ∂æÑdÉH äÉbÉ£ÑdG õcôe ¤EG ¬Lƒe ábÉ£ÑdG ábô°S hCG ¿Gó≤a øY kÉ«£N kGQÉ©°TEG ∂æÑdG ΩÓà°SG ó©H 3.2

É¡fGó≤a øY ÆÓHE’ÉH kGQƒa ΩÉbh ábÉ£ÑdG ≈∏Y á¶aÉëª∏d ÚeRÓdG ó¡÷Gh ΩÉªàg’G πc ∫òHh á«f ø°ùëH ±ô°üJ ób ¿ƒµj ¿CG á£jô°T iôNCG

…CG hCG /h ¬bÉ£ÑdG AÉ¨dG ≥ëH ßØàëj …òdGh ∂æÑdG ôjó≤àd ¢Uƒ°üÿG Gòg »à ábÉ£ÑdG πeÉM á«f ø°ùëH ≥∏©àj Éª«a QGô≤dG ™°†îjh ∂æÑ∏d

É¡«∏Y ÌY »àdG ábÉ£ÑdG º«∏°ùJh áWô°ûdGh ∂æÑ∏d ôeC’G ÆÓHEG ábÉ£ÑdG πeÉM ≈∏Y ¿EÉa ábÉ£ÑdG ≈∏Y Qƒã©dG ádÉM »àh á«aÉ°VEG äÉbÉ£H / ábÉ£H

ábÉ£ÑdG ΩGóîà°SG ádhÉ ΩóY ábÉ£ÑdG πeÉM ≈∏Y Öéj Éªc É¡aÓJEG ºàj »µd ∂æÑdÉH äÉbÉ£ÑdG õcôe ¤EG kGQƒa

áé«àf ∂æÑdG ÉgóÑµàj »àdG ôFÉ°ùÿG áaÉc øY k’hDƒ°ùe ¿ƒµ«°S ábÉ£ÑdG πeÉM ¿EÉa ,á«bÉØJ’G √òg »à ∂dòd kÉaÓN OQh É‡ ºZôdG ≈∏Y 3.3

ábÉ£ÑdG πeÉM á≤aGƒÃ É¡«∏Y π°üëj ¢üî°T …CG πÑb øe ábÉ£ÑdG ΩGóîà°S’

ΩÉµMCGh •hô°T ¢ùØæH ÉgQGó°UEG ºà«°S »àdGh ábhô°ùe hCG IOƒ≤Øe ábÉ£H …C’ á∏jóH ábÉ£H QGó°UEG ≈∏Y ¬≤aGƒŸG √óMh √ôjó≤àd kÉ≤ahh ∂æÑ∏d Rƒéj 3.4

ábÉ£ÑdG πeÉM ÜÉ°ùM ≈∏Y …QGOEG º°SQ / ∫GóÑà°SEG º°SQ ó«b »à ¬≤ëH ∂æÑdG ßØàëjh .ôNB’ ÚM øe É¡∏jó©J ºàj ÉªÑ°ùM hCG á«∏°UC’G ábÉ£ÑdG

.∂dòH ábÉ£ÑdG πeÉM QÉ©°TEGh ∂æÑdG √Oóëj …òdG ô©°ùdÉH

¿ÉªàF’G óM .4

.∂æÑdG øe á≤Ñ°ùe á≤aGƒe ¿hO √RhÉŒ ΩóY Öéj …òdGh ábÉ£ÑdG ÜÉ°ù◊ ¿ÉªàFG óM ∂æÑdG Ú©j ±ƒ°S 4.1

∂dòH É¡∏eÉM QÉ©°TEG ¿hO kGQƒa ábÉ£ÑdG AÉ¨dEG √ôjó≤àd kÉ≤ah ∂æÑ∏d Rƒéj ¬fEÉa á≤Ñ°ùe á≤aGƒe ¿hO Qô≤ŸG ¿ÉªàF’G óM ábÉ£ÑdG πeÉM RhÉŒ GPEG 4.2

.…QƒØdG ™aódG áÑLGhh á≤ëà°ùe IOó°ùŸG ÒZ ≠dÉÑŸG ™«ªL íÑ°üJh

πeÉM É¡H ô£îjh ∂æÑdG ÉgOóëj »àdG áª«≤dÉH ábÉ£ÑdG ÜÉ°ùM ≈∏Y º°SQ ÜÉ°ùàMÉH ∂æÑdG Ωƒ≤«°ùa ¿ÉªàF’G óM ábÉ£ÑdG πeÉM RhÉŒ GPEG 4.3

.ôNB’ âbh øe ábÉ£ÑdG

ó◊G ∂dP ∂æÑdG Ú©jh áeÉJ ábóH ó◊G ∂dòH ó«≤àdG ábÉ£ÑdG πeÉM ≈∏Yh (¿ÉªàF’G óM) ábÉ£Ñ∏d á«fÉªàF’G äÓ«¡°ùà∏d kGóM ∂æÑdG Ú©j 4.4

Ωó≤àdG ábÉ£ÑdG πeÉM ¿ÉµeEÉHh ,Gòg .√óMh ∂æÑdG ôjó≤àd kÉ≤ÑW ôNB’ ÚM øe Ò«¨à∏d ™°†îjh ,¬jód á©ÑàŸG ¿ÉªàF’G ÒjÉ©e ≈∏Y AÉæH QƒcòŸG

.äÉbhC’G øe âbh …CG »à ¬d ÊÉªàF’G ó◊G á©LGôe Ö∏£H

Ωƒ°SôdG .5

¬H ábÉ£ÑdG πeÉM QÉ©°TEÉH Ωƒ≤jh ∂æÑdG √Oóëj …òdG ô©°ùdÉH ábÉ£Ñ∏d áÑ°ùædÉH OGOÎ°SÓd πHÉb ÒZ …ƒæ°S º°SQ ™aO ≈∏Y ábÉ£ÑdG πeÉM ≥aGƒj 5.1

.ôNB’ âbh øe

…òdG ô©°ùdÉH ábÉ£ÑdG πeÉëH ¢UÉÿG ábÉ£ÑdG ÜÉ°ùM ≈∏Y √ó«bh ájó≤f áØ∏°S hCG Öë°S á«∏ªY πc ≈∏Y …QGOEG º°SQ ÜÉ°ùàMEÉH ∂æÑdG Ω ƒ≤j 5.2

.ôNB’ âbh øe ¬H ábÉ£ÑdG πeÉM QÉ©°TEÉH Ωƒ≤jh ∂æÑdG √Oóëj

πjƒªàdG Ωƒ°SQh OGó°ùdG .6

ábÉ£ÑdG äÓeÉ©e OGó°S 6.1

ábÉ£ÑdG πeÉM É¡H ô£îjh ∂æÑdG ÉgOóëj »àdGh ( IQƒJÉØdG IÎa ) IÎa πc ájÉ¡f »à ábÉ£ÑdG πeÉ◊ ábÉ£ÑdG ÜÉ°ùM ∞°ûc ∫É°SQEG ºàj ±ƒ°S (CG

…òdG ™aódG ≥ëà°ùŸG ≠∏Ñª∏d ≈fOC’G ó◊Gh ("Oó°ùŸG ÒZ ≠∏ÑŸG") ábÉ£ÑdG ÜÉ°ùM ≈∏Y ≥ëà°ùŸG ≠∏ÑŸG ‹ÉªLEG π«°UÉØJ øª°†àjh , ôNB’ âbh øe

…òdG ïjQÉàdGh ("™aódG ≥ëà°ùŸG ≠∏Ñª∏d ≈fOC’G ó◊G") ôNB’ âbh øe ábÉ£ÑdG πeÉM É¡H ô£îjh ∂æÑdG ÉgOóëj »àdG áÑ°ùædÉH ¬HÉ°ùàMG ºàj

≥ëà°ùe ≠∏ÑŸ ≥HÉ°S ≈fOCG óM …CG kÉ°†jCG ™aódG ≥ëà°ùŸG ≠∏Ñª∏d ≈fOC’G ó◊G πª°ûjh .("™aódG ¥É≤ëà°SG ïjQÉJ") ∂æÑ∏d ≠∏ÑŸG ™aO ¬dƒ∏ëH Ú©àj

.ÊÉªàF’G ó◊G ¥ƒa ≠∏Ñe …CGh .√OGó°S ºàj ⁄ á≤HÉ°S ÒJGƒa hCG IQƒJÉa …CG Oóe hCG Ióe øe ™aódG

º°SQ ¢Vôa ºà«°S ¬fCG ’EG ,™aódG ¥É≤ëà°SG ïjQÉJ πÑb hCG »à ≥ëà°ùŸG ≠∏ÑŸG πeÉc ∂æÑdG º∏à°SG GPEG πjƒ“ Ωƒ°SQ ¢Vôa ºàj ød ¬fCG øe ºZôdG≈∏Y (Ü

»à ájó≤ædG áØ∏°ùdG ´GójEG ïjQÉJ øe ∂dPh ,ôNB’ âbh øe ábÉ£ÑdG πeÉM ¬H ô£îjh ∂æÑdG √Oóëj …òdG ô©°ùdG Ö°ùM ájó≤ædG ∞∏°ùdG ≈∏Y πjƒ“

¢UÉÿG ábÉ£ÑdG ÜÉ°ùM »à É¡àª«b ó«≤Jh á°UÉ≤ª∏d ∂æÑdG É¡ª∏à°ùj »àdG äÉµ«°ûdG ™«ªL ™°†îJh .πeÉµdÉH ÉgOGó°S ºàj ≈àMh ábÉ£ÑdG ÜÉ°ùM

.á°UÉ≤ŸG á«∏ªY ó©H §≤a ábÉ£ÑdG πeÉëH

≈∏Y πjƒ“ º°SQ ¢Vôa ºà«°ùa , ™aódG ¥É≤ëà°SG ïjQÉJ √É°übCG óYƒe »à á≤ëà°ùŸG ≠dÉÑŸG πc ∂æÑ∏d ™aój ¿CG »à ábÉ£ÑdG πeÉM ≥ØNCG GPEG (ê

…òdG ô©°ùdG Ö°ùM IQƒJÉØdG Ióe ióe ≈∏Y »eƒ«dG ó«°UôdG ∫ó©e ≈∏Y Ö°ùàëj ,ábÉ£H πc äÉ«∏ªY /á«∏ªY ïjQÉJ øe kGQÉÑàYG ≥ëà°ùŸG ó«°UôdG

ïjQÉJ øe kGQÉÑàYG Iójó÷G äÓeÉ©ŸG áaÉc ≈∏Y πjƒªàdG º°SQ ÜÉ°ùàMG ºà«°S Éªc .ôNB’ âbh øe ábÉ£ÑdG πeÉM ¬H ô£îjh ∂æÑdG √Oóëj

.IQƒJÉØdG Ióe øe ÒNC’G Ωƒ«dG »à πjƒªàdG º°SQ ó«b ºàjh .á∏eÉ©ŸG

≥ëà°ùŸG ≠∏Ñª∏d ≈fOC’G ó◊G OGó°S øY ábÉ£ÑdG πeÉM ∞∏îJ GPEG (ê) á≤HÉ°ùdG Iô≤ØdÉH ¬«dEG QÉ°ûŸG πjƒªàdG º°SQ OGó°ùH ¢SÉ°ùŸG ¿hO (O

.ôNB’ âbh øe ábÉ£ÑdG πeÉM ¬H ô£îjh ∂æÑdG √Oóëj …òdG ô©°ùdG Ö°ùM ÒNCÉJ º°SQ ÜÉ°ùàMG ºà«°ùa ™aódG ¥É≤ëà°SG ïjQÉJ ∫ƒ∏ëH ™aódG

.∂«°ûdG á°UÉ≤Ÿ πªY ΩÉjCG (7) á©Ñ°S í«àj ¿CG ábÉ£ÑdG πeÉM ≈∏©a , ∂«°T á£°SGƒH OGó°ùdG ºàj ÉeóæY (`g

ïjQÉJ »à ≥ëà°ùŸG ≠∏ÑŸG ójó°ùàd (Ú©ŸG ÜÉ°ù◊G) ∂æÑdG iód ÜÉ°ùM øe Iô°TÉÑe º°üî∏d áªFGO äÉª«∏©J QGó°UEG ábÉ£ÑdG πeÉ◊ Rƒéj (h

:áªFGódG äÉª«∏©àdG ≈∏Y á«dÉàdG á«aÉ°VE’G ΩÉµMC’Gh •hô°ûdG ≥Ñ£Jh ™aódG ¥É≤ëà°SG

…CG hCG Ú©ŸG ÜÉ°ùë∏d áeó≤ŸG äÉµ«°ûdG πHÉ≤e áªFGódG äÉ«ª∏©àdG √òg øe …CG ájƒdhCG ójó– ≥ëH ßØàëj ∂æÑdG ¿CG ≈∏Y ábÉ£ÑdG πeÉM ≥aGƒj (1

.∂æÑdG ™e ºàJ iôNCG äÉÑ«JôJ

øe πbC’G ≈∏Y ´ƒÑ°SCG πÑb ∂æÑdG ¤EG π°üj ¿CG Öéj áªFGódG äÉª«∏©àdG ∂∏J øe …C’ AÉ¨dEGh πjó©J …CG ¿CG ábÉ£ÑdG πeÉM ∑Qój (2

.‹ÉàdG ™aódG ¥É≤ëà°SG ïjQÉJ

¬fEÉa äÉ©aódG ∂∏àH AÉaƒ∏d ±Éc ó«°UQ ÜÉ°ù◊ÉH øµj ⁄ GPEG hCG ábÉ£ÑdG πeÉM øe ôNBG óæ°S …CG hCG ∂«°T hCG áªFGO äÉª«∏©J ájCÉH AÉaƒdG ºàj ⁄ GPEG (R

…CG ò«ØæJ ¬d Rƒéj Éªc (ê) á≤HÉ°ùdG Iô≤Ø∏d É≤ah ¬HÉ°ùàMEG ºàj πjƒ“ º°SQ ábÉ£ÑdG πeÉM ÜÉ°ùM ≈∏Y ó«≤j ¿CG ≥∏£ŸG √ôjó≤àd kÉ≤ah ∂æÑ∏d Rƒéj

.¬«a øjóŸG ó«≤dG ∂dP AGôLEG ™eõŸG øe ¿Éc …òdG »∏°UC’G ïjQÉàdG ó©H Ú©ŸG ÜÉ°ù◊G »à á«aÉc ≠dÉÑe ôaƒàJ ÉeóæY áªFGódG äÉª«∏©àdG ∂∏J øe

ïjQÉJ øe kÉeƒj 30 ∫ÓN ∂dP ≈∏Y ¬à≤aGƒe Ωó©H ∂æÑdG ÆÓHEG ¬«∏Y Öé«a , …ô¡°ûdG ∞°ûµdG »à Oôj º°SQ …CG ≈∏Y ábÉ£ÑdG πeÉM ≥aGƒj ⁄ GPEG (ì

.ôLÉàdG hCG /h É¡d òØæŸG ∂æÑdG iód á∏eÉ©ŸG ≈∏Y ¢VGÎY’G ìÉ‚ ¿Éª°†d ™°Vh »à ¿ƒµj ød ∂æÑdG ¿EÉa ’EGh ∞°ûµdG

ΩÉµMC’Gh •hô°ûdG √òg ÖLƒÃ ∂æÑdG √ÉŒ ábÉ£ÑdG πeÉM äÉeGõàdG OGó°ùd ábÉ£ÑdG πeÉM πÑb øe ºàJ äÉYƒaóe ájCG ΩGóîà°SÉH ∂æÑdG Ωƒ≤j 6.2

∂æÑdG √Qô≤j …òdG Ö«JÎdG Ö°ùM ∂dPh

∂æÑdG iôj »àdG πFÉ°SƒdÉH Ωƒ°SôdG øY ¿ÓYE’G Èà©jh .√ôjó≤àd kÉ≤ah ôNB’ âbh øe iôNCG Ωƒ°SQ …CGh πjƒªàdG º°SQ πjó©J ≥ëH ∂æÑdG ßØàëj 6.3

√ójó– ºàj ÉªÑ°ùM) ΩÉµMC’Gh •hô°ûdG √ò¡d πjó©J …CG ¿Éjô°S ïjQÉJ ó©H ábÉ£ÑdG ΩGóîà°SG πãÁh . ábÉ£ÑdG πeÉ◊ kGòaÉf kGQÉ©°TEG áÑ°SÉæe É¡fCG

.¬«∏Y äÉ¶Ø– ájCG ¿hO πjó©àdG ∂dòd ábÉ£ÑdG πeÉM øe k’ƒÑb (∂æÑdG QÉ©°TEG »à

øµÁ hCG áµ∏ªŸÉH ∂æÑdG ´hôa øe …CG iód Ö∏£dG óæY É¡eGóîà°SGh ábÉ£ÑdG ≈∏Y á≤Ñ£ŸG iôNC’G Ωƒ°SôdGh πjƒªàdG Ωƒ°SQ π«°UÉØJ ôaƒàJ 6.4

.¢VÉjôdÉH ∂æÑdÉH äÉbÉ£ÑdG õcôe øe Iô°TÉÑe É¡æe áî°ùf ≈∏Y ∫ƒ°ü◊G

»à ≥ëà°ùŸG ≈fOC’G ≠∏ÑŸG ™aO »à ábÉ£ÑdG πeÉM ¥ÉØNG ádÉM »à 9.8 IOÉŸG ÖLƒÃ ¬bƒ≤M á°SQÉ‡ ∂æÑ∏d Rƒéj ¬fCG ábÉ£ÑdG πeÉM ô≤j 6.5

.¬bÉ≤ëà°SG ïjQÉJ

á«bÉØJ’G √òg AÉ¨dEG .7

¿hóH hCG ójóëàHh ≥Ñ°ùe QÉ©°TEG ¿hóH hCG QÉ©°TEÉH ábÉ£ÑdG AÉ¨dEÉH ∂dPh âbh …CG »à ábÉ£ÑdG πeÉM ™e áeÈŸG á«bÉØJ’G √òg AÉ¡fEG ∂æÑ∏d Rƒéj 7.1

IOÉYEÉH kÉHƒë°üe ∂æÑ∏d »£N QÉ©°TEG ¬«LƒàH âbh …CG »à á«bÉØJ’G AÉ¡fEG ábÉ£ÑdG πeÉ◊ Rƒéj Éªc .ábÉ£ÑdG ójóŒ ¢†aQ hCG ÖÑ°S …CG ójó–

.á«àÉ°VEG äÉbÉ£H …CGh ábÉ£ÑdG

hCG ábÉ£H …CG hCG /h ábÉ£ÑdG ΩGóîà°SG áé«àf áÑJÎe ≠dÉÑe …CG ∂dòch ábÉ£ÑdG πeÉëH ¢UÉÿG ábÉ£ÑdG ÜÉ°ùM ≈∏Y ¬≤ëà°ùŸG ≠dÉÑŸG áaÉc íÑ°üJ 7.2

πeÉM ≥aGƒjh .á«bÉØJ’G √òg AÉ¡fEG óæY ∂æÑ∏d ™aódG áÑLGhh á≤ëà°ùe ,ábÉ£ÑdG πeÉM ÜÉ°ùM ≈∏Y Égó«b hCG É¡©aO ºàj ⁄ á«àÉ°VEG äÉbÉ£H

¿ÉªàF’G ábÉ£H QGó°UEG á«bÉØJG

Card. The Cardholder may terminate the Agreement at any time by written notice to the Bank accompanied by the return of the Card and of any Supplementary Cards.

7.2 The whole of the Amount Outstanding on the Cardholder’s Card Account together with any outstanding amount incurred by the use of the Card and/or Supplementary Card(s) but not already paid or charged to the Cardholder’s Card Account shall become due and payable to the Bank on the termination of this Agreement. The Cardholder and the Supplementary Cardholder(s) expressly agree that the Bank shall have the right to retain any funds placed in the Cardholder’s and Supplementary Cardholder’s Current/Savings/Time deposit or any other account with the Bank or deposits held as a security for the issuance of Card and/or Supplementary Card(s) for a period of up to 45 days after the Card and any Supplementary Card(s) have been physically returned to the Bank, and to set-off against any such funds without notice to the Cardholder or Supplementary Cardholder all amounts due from the Cardholder to the Bank. In case of a deceased Cardholder or Supplementary Cardholder, his/her estate will be responsible for settling any outstanding balances and other amounts due in respect of Card Transactions and shall keep the Bank indemnified from all costs (including legal fees) and expenses incurred in recovering such outstanding balances.

7.3 In the event of a Cardholder’s bankruptcy or death, all outstanding amounts are immediately due and payable and the holder(s) of any Supplementary Card(s) will immediately cease the use of such Card(s) and return it or them to the Bank and pay any amount that may be Outstanding under these

Terms & Conditions.

7.4 The Card remains the property of the Bank at all times and shall be returned to the Bank upon request, together with any Supplementary Card(s) for which the Cardholder is liable.

7.5 Where this Agreement relates to the use of a Supplementary Card, the Cardholder or the Supplementary Cardholder may terminate this Agreement (in so far as it relates to the use of the Supplementary Card) by written notice to the Bank accompanied by the return of the Supplementary Card. In both circumstances, the Agreement will remain in force until full payment of Card Transactions and all amounts due under these Terms & Conditions, effected by the use of the Supplementary Card, has been received by the Bank. Unless and until such termination takes place, the Bank shall provide a renewal Supplementary Card to the Cardholder from time to time.

7.6 If, for any reason, the Cardholder fails to comply with the Terms & Conditions of this Agreement, the Bank may terminate this Cardholder Agreement and proceed to recover all amounts outstanding thereunder. The Cardholder shall be responsible for all costs, charges and expenses incurred by the Bank including legal fees on a full indemnity basis.

8. Authorisation and indemnity for telephone, facsimile instructions:

8.1 The Cardholder authorises the Bank to rely upon and act in accordance with any notice, instruction demand or other communication which may from time to time be, or purport to be given by telephone, facsimile by the Cardholder or on his/her behalf (the “Instructions”) without any enquiry on the Bank’s part including, without prejudice to the generality of the foregoing, as to the authority or identity of the person giving or purporting to give the Instructions and regardless of the circumstances prevailing at the time of receipt of the Instructions.

8.2 The Bank shall be entitled to treat the Instructions as fully authorised by and binding upon the Cardholder and the Bank shall be entitled to take such steps in connection with or in reliance upon the Instructions as the Bank may consider appropriate, whether the Instructions include Instructions to pay money or otherwise to debit or credit any account, or relate to the disposition of any money, securities or documents, or purports to bind the Cardholder to any agreement or other arrangement with the Bank or with any other person or to commit the Cardholder to any other type of transaction or arrangement whatsoever, regardless of the nature of the transaction or arrangement or the amount of money involved and notwithstanding any error, ambiguity, misunderstanding or lack of clarity in the terms of the Instructions.

8.3 The Bank under terms of this authorisation and indemnity is not obliged to accept and act upon the Instructions which includes the following:

• Change in Mandate

• Change to authorised signatories

• Power of Attorney to another person/entity

• Closure of the account(s) and transfer of the remaining balance by any means

8.4 In consideration of the Bank acting in accordance with the terms of this authorisation and indemnity, the Cardholder hereby irrevocably undertakes to indemnify the Bank and to keep the Bank indemnified against all losses, claims, actions, proceedings, demands, damages, costs and expenses incurred or sustained by the Bank of whatever nature and howsoever arising out of or in connection with the Instructions.

8.5 The terms of this authorisation and indemnity shall remain in full force and effect unless and until the Bank receives, and has a reasonable time to act upon, notice of termination from the Cardholder in accordance with the terms of the Mandate, save that such termination will not release the Cardholder from any liability under this authorisation and indemnity in respect of any act performed in accordance with the terms of this authorisation and indemnity prior to the expiry of such time.

9. General

9.1 The Bank shall have the right, at its absolute discretion, to transfer, assign and sell in any manner, in whole or in part any Cardholder’s amounts Outstanding. The Cardholder hereby authorises the

Bank to appoint Collection Agents for recovery of outstanding amounts. The Cardholder shall pay all the costs of collection of dues, legal expenses and outstanding amounts with financial charges,

should it become necessary to refer the matter to a collection agency or to a legal recourse to enforce payment.

9.2 Whenever required by the Bank, the Cardholder shall furnish data concerning his/her financial position to the Bank. The Cardholder further authorises the Bank to verify the information furnished. If the data is not furnished when called for, the Bank, at its discretion, may refuse renewal of the Card or cancel the Card forthwith.

9.3 The Cardholder authorises the Bank to disclose information concerning the Cardholder and Supplementary Cardholder or the Cardholder’s and Supplementary Cardholder’s Card Account to such persons as the Bank may see fit, including the Central Bank, or other Banks or financial institutions.

The Cardholder also authorises the Bank to collect from and/or disclose to the Saudi Credit Bureau or any appropriate third parties approved by SAMA such information as the Bank may require, at its discretion, to establish, review and/or administer the account/facilities with the Bank.

9.4 The Cardholder irrevocably agrees that the Bank may, at its discretion, and for any purpose (including for the purpose of fraud prevention, audit, the provision of services by any third party, debt collection, or if required by any competent government or regulatory body) share any information, details or data relating to the Cardholder or the Cardholder’s transactions with any member or associate member of the HSBC Group of Companies.

9.5 The Cardholder irrevocably agrees that the Bank may transfer or subcontract the provision of any part, of the services provided to the Cardholder to any third party, whether or not that third party operates in another jurisdiction or territory. The Bank shall remain liable to the Cardholder for any recoverable loss or damage incurred or suffered by the Cardholder as a result of the negligence, breach or default of any such third party, and will require that any such third party to maintain the confidentiality of any such information to the same extent as the Bank.

9.6 Information about Cardholders may be processed offshore, within HSBC Group sites or elsewhere.

9.7 Cardholder telephone calls may be recorded and retained by the Bank.

9.8 The Cardholder hereby authorises the Bank to, without notice, combine or consolidate the Amount Outstanding on the Cardholder’s Card Account with any other account which the Cardholder

maintains with the Bank and set-off or transfer any monies standing to the credit of the Cardholder’s other accounts in or towards satisfaction of the Cardholder’s liability to the Bank under these

Terms & Conditions.

9.9 This Agreement supersedes any similar agreement with the Bank in connection with the issue or use of Card(s), such agreement being hereby cancelled.

9.10 The Bank reserves the right, at all times, to vary or amend the foregoing Terms & Conditions or to introduce new Terms & Conditions. Any such variations or amendments will become effective and binding on the Cardholder upon notification to the Cardholder by any means the Bank deems fit. If the Cardholder is unwilling to accept any such variations or amendments, the Cardholder must return the Card along with Supplementary Card(s) to the Bank for cancellation. The Cardholder will indemnify the Bank (notwithstanding any termination of this Agreement) against Card Transactions of these Card(s) prior to the return of the Card and any Supplementary Card(s) to the Bank.

9.11 The Bank shall not be liable for any loss suffered by the Cardholder if the Bank is prevented from or delayed in providing the Cardholder with any banking or other service due to strikes, industrial action, failure of power, supplies or equipment or causes beyond or outside its control.

9.12 The Cardholder will continue to be liable for finance charge and other charges if for any reasons set out in Clause 9.11, the Bank is unable to produce or send the Cardholder a statement of account.

10. SABB AQSAT:

The following terms shall have the following meanings:

• Eligible Purchase: means a purchase by a cardholder or supplementary cardholder of any goods from any merchant outlet within the Kingdom or worldwide (excluding cash advances), of such minimum amount as the Bank may from time to time determine, made using a SABB Credit Cardissued by the Saudi British Bank

• AQSAT Principal Sum: means the amount of the card transaction in the billing currency relating to an Eligible Purchase which the cardholder consents for conversioninto an AQSAT Plan

• AQSAT Profit/Commission Fee: means the applicable profit rates that are published from time to time by the Bank and advised to the cardholders

• AQSAT Term: means the duration of the AQSAT expressed in the number of Gregorian calendar months. The standard applicable terms are 6, 12 or 24 months

• AQSAT Outstanding: means the AQSAT Principal Sum plus the applicable AQSAT Profit Fee that is not already paid

• AQSAT Monthly Instalment: means the AQSAT Principal Sum plus the AQSAT Profit Fee divided by the AQSAT Term

• Statement Date: means the Statement generation date which appears on the card account statement

• Cardholder Agreement: means the Terms and Conditions governing the card account which are availableon www.sabb.com

10.1 To take advantage of this AQSAT Offer, the cardholder should communicate his/her consent to convert to AQSAT one or multiple eligible transactions conducted within the current billing period at least 5 days prior to the payment due date.The cardholder can call SABB Direct Banking at 800 124 8888 or write to SABB Direct Banking Division, P O Box 69718, Riyadh 11557.

10.2 If the cardholder agrees to convert such a transaction to an AQSAT Plan, the Bank will convert the relevant card transaction into an AQSAT for a term (refer “AQSAT Term” above) specified by the cardholder. Once agreed, the AQSAT Term cannot be changed. The card statement will set out the AQSAT Monthly Instalment due and the remaining balance of AQSAT Monthly Instalments.

10.3 The following table highlights the minimum and maximum transaction amount for respective term / tenure.

10.4 The amount of credit available on the card account shall be reduced by the aggregate amount of any AQSAT Instalment(s) Outstanding in relation to that card account.

10.5 The relevant AQSAT Monthly Instalment will be added to Amount Outstanding and the minimum amount due on each month’s statement, the total of which needs to be settled by the cardholder on or before the payment due date (until all AQSAT Outstanding amounts are fully paid) in accordance with Clause 6 in the Cardholder Agreement.

10.6 Late payments or non-payment of instalments will result in cancellation of the AQSAT Plan(s) and the transaction(s) in question being converted to standard purchasing transactions and will be treated under the existing Terms and Conditions as published in the “SABB Card user guide”. Also such cancellations will attract penalty charges as advised to the cardholders from time to time by SABB.

10.7 A processing fee of SAR 50 will be charged on eachSABB AQSAT booked.

10.8 If the cardholder does not make a payment equal to or more than the minimum amount due on or before the payment due date for two consecutive billing periods, then the Bank may at its sole discretion cancel any Outstanding AQSATs and add an amount equal to the Outstanding AQSAT Principal Sum(s) to the Amount Outstanding which will be payable in accordance with Clause 7 in the Cardholder Agreement. The Bank will also charge a cancellation fee of SAR 100 or 5% of the value of the transaction that has been converted to an AQSAT, whichever is higher, for each AQSAT Plan.

10.9 If the Cardholder seeks to close the card account prior to the end of any Outstanding AQSAT Term, the AQSAT Outstandingamount will be added to the Amount Outstanding which will be payable in accordance with Clause 7 in the Cardholder Agreement. The Bank will charge a fee of SAR 100 or 5% of the value of the transaction that has been converted to an AQSAT, whichever is higher, as an early settlement fee, this fee will also be applicable if a cardholder wishes to settle any AQSAT Plan(s) prior to the end of the agreed term(s).

10.10 Any credit balance whether arising due to a refund, successful chargeback or advance amount deposited by the cardholder will be settled against the part or full AQSAT Outstanding amount. If the credit balance is sufficient to settle the entire AQSAT Outstanding amount a cancellation fee of SAR 100 or 5% of the value of the transaction that has been converted to an AQSAT, whichever is higher, will be applicable per AQSAT Plan.

10.11 The Bank shall not be liable for the refusal of any merchant establishment to accept or honour the card, nor shall the Bank be responsible for any disputes/complaints in any way for the goods or services supplied to the cardholder. The cardholder must resolve any such disputes/complaints directly with the merchant establishment. The Bank shall have no responsibility in this respect. No claim by the cardholder against the merchant establishment may be the subject of a claim against the Bank. The Bank will credit the cardholder’s card account with the amount of any refund only upon receipt of a properly issued credit voucher from the merchant establishment.

10.12 The Bank may at any time and without any prior notice or liability to the cardholder, modify or terminate the AQSAT Terms and Conditions. However, any such modifications or terminations shall come into effect 60 days from the date of introduction providing the cardholder with ample time to agree to such changes.

10.13 The Terms and Conditions of the Cardholder Agreement shall also apply to this offer.

/ …QÉ÷G ÜÉ°ù◊G »à áYOƒe ≠dÉÑe ájCG õéM »à ≥◊G ∂æÑ∏d ¿ƒµj ¿CÉH áMGô°U á«àÉ°VE’G äÉbÉ£ÑdG / ábÉ£ÑdG ƒ∏eÉM / πeÉMh ábÉ£ÑdG

™FGOh …CG hCG ∂æÑdG iód á«aÉ°VE’G ¬bÉ£ÑdG πeÉMh ábÉ£ÑdG πeÉM ¬H ßØàëj ôNBG ÜÉ°ùM …CG hCG á∏LB’G á©jOƒdG ÜÉ°ùM / ÒaƒàdG ÜÉ°ùM

äÉbÉ£H hCG ábÉ£H …CGh ábÉ£ÑdG IOÉYEG ó©H Éeƒj 45 ÉgÉ°übG IóŸ á«aÉ°VEG äÉbÉ£H hCG ábÉ£H hCG /h ábÉ£ÑdG QGó°UE’ ¿Éª°†c ∂æÑdG iód áXƒØ

ábÉ£ÑdG πeÉ◊ QÉ©°TEG ¿hO ≠dÉÑŸG ∂∏J øe …CG πHÉ≤e ∂æÑ∏d ábÉ£ÑdG πeÉM ≈∏Y á≤ëà°ùŸG ≠dÉÑŸG áaÉµd á°UÉ≤e AGôLEGh ∂æÑdG ¤EG kÉ«∏©a á«aÉ°VEG

ájCGh á≤ëà°ùe Ió°UQCG ájCG OGó°S øY ¿ƒdhDƒ°ùe ¬àKQh ¿EÉa á«aÉ°VE’G ábÉ£ÑdG πeÉM hCG ábÉ£ÑdG πeÉM IÉah ádÉM »àh á«aÉ°VE’G ábÉ£ÑdG πeÉM hCG

(á«fƒfÉ≤dG ÜÉ©JC’G É¡«a ÉÃ) äÉ≤ØædG áaÉc øY äÉbhC’G πc »à ∂æÑdG ¢†jƒ©Jh ábÉ£ÑdG äÓeÉ©Ã ≥∏©àH Éª«a á≤ëà°ùe iôNCG ≠dÉÑe

.á≤ëà°ùŸG Ió°UQC’G ∂∏J OGOÎ°SG π«Ñ°S »à ÉgóÑµàj »àdG äÉahô°üŸGh

/ ábÉ£H …CG »∏eÉM / πeÉM ≈∏Yh …QƒØdG ™aódG áÑLGhh á≤ëà°ùe íÑ°üJ IOó°ùŸG ÒY ≠dÉÑŸG ™«ªL ¿EÉa ábÉ£ÑdG πeÉM IÉah hCG ¢SÓaEG ádÉM »à 7.3

√òg ÖLƒÃ á≤ëà°ùe ¿ƒµJ ób ≠dÉÑe …CG OGó°Sh ∂æÑ∏d É¡JOÉYEGh äÉbÉ£ÑdG hCG ábÉ£ÑdG ∂∏J ΩGóîà°SG øY kGQƒa ∞bƒàdG á«aÉ°VEG äÉbÉ£H

.ΩÉµMC’Gh •hô°ûdG

πeÉM ¿ƒµj á«aÉ°VEG äÉbÉ£H hG ábÉ£H …CG ™e Ö∏£dG óæY ∂æÑ∏d É¡JOÉYEG Öéjh äÉbhC’G ™«ªL »à ∂æÑ∏d kÉµ∏e ábÉ£ÑdG π¶J 7.4

.É¡æY k’hDƒ°ùe ábÉ£ÑdG

OhóM »à) á«bÉØJ’G √òg AÉ¡fEG á«aÉ°VE’G ábÉ£ÑdG πeÉ◊ hCG ábÉ£ÑdG πeÉ◊ Rƒéj ¬fEÉa á«aÉ°VEG ábÉ£H ΩGóîà°SÉH á«bÉØJ’G √òg â≤∏©J Éªã«M 7.5

π¶J ,ÚàdÉ◊G Éà∏c »àh á«aÉ°VE’G ábÉ£ÑdG IOÉYEÉH kÉHƒë°üe ∂æÑ∏d »£N QÉ©°TEG ¬«LƒàH ∂dPh (á«aÉ°VE’G ábÉ£ÑdG ΩGóîà°SÉH π°üàj Ée

á«aÉ°VE’G ábÉ£ÑdG ΩGóîà°SÉH â“ »àdGh ΩÉµMC’Gh •hô°ûdG √òg ÖLƒÃ á≤ëà°ùŸG ≠dÉÑŸG áaÉch ábÉ£ÑdG äÓeÉ©e OGó°S Ú◊ IòaÉf á«bÉØJ’G

øe ábÉ£ÑdG πeÉ◊ á«aÉ°VE’G ábÉ£ÑdG ójóéàH Ωƒ≤«°S ∂æÑdG ¿EÉa á«bÉØJ’G √òg AÉ¡fEG ºàj ¿CG ¤EGh ⁄ Éeh .πeÉµdÉH ≠dÉÑŸG ∂∏àd ∂æÑdG ΩÓà°SEGh

.ôNB’ âbh

»à ´hô°ûdGh á«bÉØJ’G √òg AÉ¡fEG ∂æÑ∏d Rƒéj ¬fEÉa á«bÉØJ’G √òg ΩÉµMCGh •hô°ûH ΩGõàd’G »à ,¿Éc ÖÑ°S …C’ ,ábÉ£ÑdG πeÉM ≥ØNG GPEG 7.6

»à ÉÃ ∂æÑdG ÉgóÑµàj »àdG ∞jQÉ°üŸGh Ωƒ°SôdGh äÉ≤ØædG ™«ªL øY k’hDƒ°ùe ábÉ£ÑdG πeÉM ¿ƒµjh .É¡ÑLƒÃ á≤ëà°ùŸG ≠dÉÑŸG áaÉc OGOÎ°SEG

.πeÉµdG ¢†jƒ©àdG ¢SÉ°SCG ≈∏Y á«fƒfÉ≤dG ÜÉ©JC’G ∂dP

¢ùcÉØdGh ∞JÉ¡dG ≥jôW øY IQOÉ°üdG äÉª«∏©àdG πHÉ≤e ¢†jƒ©àdGh ¢†jƒØàdG .8

øe ábÉ£ÑdG πeÉM ÉgQó°üj ób iôNCG ádÉ°SQ …CG hCG Ö∏W hCG äÉª«∏©J hCG QÉ©°TEG …C’ kÉ≤ah ±ô°üàdGh ≈∏Y OÉªàYE’ÉH ∂æÑdG ábÉ£ÑdG πeÉM ¢VƒØj 8.1

∂æÑdG ÖfÉL øe QÉ°ùØà°SG …CG ¿hO (" äÉª«∏©àdG") ¬æY áHÉ«ædÉH IQOÉ°U hCG ¬æe IQOÉ°U É¡fCÉH ó≤à©j hCG ¢ùcÉØdG hCG ∞JÉ¡dG ≥jôW øY ôNB’ âbh

¬æe IQOÉ°U É¡fCÉH ó≤à©j …òdG hCG äÉª«∏©àdG Qó°üj …òdG ¢üî°ûdG ájƒg hCG ¢†jƒØàH ≥∏©àj Ée ,Ωó≤J Ée á«eƒª©H ∫ÓNEG ¿hOh , ∂dP »à ÉÃ

.äÉª«∏©àdG ΩÓà°SG âbh IóFÉ°ùdG ±hô¶dG øY ô¶ædG ¢†¨H

≥∏©àj Éª«à áeRÓdG äGƒ£ÿG PÉîJG ∂æÑ∏d ≥ëjh ¬d áeõ∏eh ábÉ£ÑdG πeÉM øe πeÉc ¢†jƒØàH IQOÉ°U É¡fCG ≈∏Y äÉ«ª∏©àdG á∏eÉ©e ∂æÑ∏d ≥ëj 8.2

…CG øe º°üÿG iôNBG á≤jô£H hCG ∫GƒeCG ™aóH äÉ¡«LƒJ øª°†àJ äÉª«∏©àdG âfÉc AGƒ°S kÉÑ°SÉæe ∂æÑdG √Gôj ÉªÑ°ùM É¡«∏Y kGOÉæà°SG hCG äÉª«∏©àdÉH

á«bÉØJG …CÉH ábÉ£ÑdG πeÉM Ωõ∏J É¡fCG É¡æe º¡Øj hCG äGóæà°ùe hCG á«dÉe ¥GhQCG hCG ∫GƒeCG ájCG »à ±ô°üàdÉH ≥∏©àJ âfÉc hCG ¬«dEG áaÉ°VE’G hCG ÜÉ°ùM

ô¶ædG ¢†¨H âfÉc kÉjCG äÉÑ«JÎdG hCG äÓeÉ©ŸG øe ôNBG ´ƒf …CÉH ábÉ£ÑdG πeÉM Ωõ∏J É¡fCG hCG ôNBG ¢üî°T …CG ™e hCG ∂æÑdG ™e iôNBG äÉÑ«JôJ hCG

.äÉª«∏©àdG OƒæH »à ìƒ°Vh ΩóY hCG º¡a Aƒ°S hCG ¢VƒªZ hCG AÉ£NCG ájCG øe ºZôdG ≈∏Yh ∂dòH §ÑJôŸG ≠∏ÑŸG hCG äÉÑ«JÎdG hCG á∏eÉ©ŸG á©«ÑW øY

:»∏j Ée øª°†àJ âfÉc GPEG ÉgÉ°†à≤Ã ±ô°üàdGh äÉ«ª∏©àdG ∫ƒÑ≤H ¢†jƒ©àdGh ¢†jƒØàdG Gòg •hô°T ÖLƒÃ kÉeõ∏e ∂æÑdG ¿ƒµj ød 8.3

¢†jƒØàdG »à Ò«¨J • ™«bƒàdÉH Ú°VƒØŸG ¢UÉî°TC’G Ò«¨J •

iôNCG áÄ«g hCG ôNBG ¢üî°ûd π«cƒJ íæe • á∏«°Sh …CÉH á«≤ÑàŸG Ió°UQC’G πjƒ–h äÉHÉ°ù◊G / ÜÉ°ù◊G ∫ÉØbEG •

¬àjÉªMh ∂æÑdG ¢†jƒ©àH ¢†≤æ∏d πHÉb ÒZ kGó¡©J ó¡©àj Gò¡H ábÉ£ÑdG πeÉM ¿EÉa ¢†jƒ©àdGh ¢†jƒØàdG Gòg •hô°ûd kÉ≤ah ∂æÑdG ±ô°üJ ÖLƒÃ 8.4

∂æÑdG ÉgóÑµàj »àdG äÉ≤ØædGh ∞«dÉµàdGh QGô°V’Gh äÉÑ∏£dGh á«fƒfÉ≤dG äGAGôLE’Gh ihÉYódGh äÉÑdÉ£ŸGh ôFÉ°ùÿG áaÉc πHÉ≤e äÉbhC’G πc »à

.äÉª«∏©àdÉH ≥∏©àj Éª«a hCG øe áÄ°TÉædG É¡ÑÑ°S hCG É¡à©«ÑW âfÉc Éª¡e É¡∏ªëàj hCG

•hô°ûd kÉ≤ah ábÉ£ÑdG πeÉM øe É¡FÉ¡fEÉH GQÉ©°TEG ∂æÑdG º∏à°ùj ≈àMh ⁄ Ée πeÉµdÉH ∫ƒ©ØŸG IòaÉfh ájQÉ°S ¢†jƒ©àdGh ¢†jƒØàdG Gòg •hô°T π¶J 8.5

á«dhDƒ°ùe ájCG øe ábÉ£ÑdG πeÉM »Ø©j ød AÉ¡f’G Gòg ¿EÉa ∂dP AÉæãà°SEÉHh ,∂dP ÖLƒÃ ±ô°üà∏d Ö°SÉæŸG âbƒdG ∂æÑ∏d ôaƒàjh ¢†jƒØàdG

.âbƒdG ∂dP AÉ¡àfG πÑb ¢†jƒ©àdGh ¢†jƒØàdG Gòg •hô°ûd kÉ≤ah √ò«ØæJ ” AGôLEG …CÉH ≥∏©àj Éª«a ¢†jƒ©àdGh ¢†jƒØàdG Gòg ÖLƒÃ

áeÉY ΩÉµMCG .9

Gò¡Hh .ábÉ£ÑdG πeÉM ≈∏Y á≤ëà°ùe ≠dÉÑe …CG , kÉ«FõL hCG kÉ«∏c ,âfÉc á≤jôW …CÉH ™«Ñjh øY ∫RÉæàjh ∫ƒëj ¿CG ≥∏£ŸG √ôjó≤àd kÉ≤ah ∂æÑ∏d ≥ëj 9.1

äÉ≤ëà°ùŸG π«°ü– ∞«dÉµJ áaÉc ™aO ábÉ£ÑdG πeÉM ≈∏Yh .IOó°ùŸG ÒZ ≠dÉÑŸG OGOÎ°S’ π«°ü– AÓch Ú«©àd ∂æÑdG ábÉ£ÑdG πeÉM ¢VƒØj

¿ƒfÉ≤dG ¤EG Aƒé∏dG hCG π«°ü– ádÉch ¤EG ôeC’G ádÉMEG IQhô°†dG âYóà°SG GPEG ∂dPh ,πjƒªàdG Ωƒ°SQ ™e IOó°ùŸG ÒZ ≠dÉÑŸGh á«fƒfÉ≤dG äÉ≤ØædGh

.™aódG ò«Øæàd

≥≤ëàdÉH ∂æÑdG ábÉ£ÑdG πeÉM ¢VƒØj Éªc .‹ÉŸG ¬©°VƒH á≤∏©àŸG äÉfÉ«ÑdÉH ∂æÑdG ójhõJ ,∂dP ∂æÑdG ¬æe Ö∏W Ée ≈àe ,ábÉ£ÑdG πeÉM ≈∏Y 9.2

ábÉ£ÑdG ójóŒ ¢†aQ ,≥∏£ŸG √ôjó≤àd kÉ≤ah ,∂æÑ∏d Rƒéj ¬fEÉa É¡Ñ∏W óæY äÉfÉ«ÑdG ∂∏àH ∂æÑdG ójhõJ ΩóY ∫ÉM »àh .äÉfÉ«ÑdG ∂∏J áë°U øe

.kGQƒa É¡FÉ¨dG hCG

ábÉ£ÑdG πeÉëH ¢UÉÿG ábÉ£ÑdG ÜÉ°ùëH hCG á«aÉ°VE’G ábÉ£ÑdG πeÉMh ábÉ£ÑdG πeÉëH á≤∏©àŸG äÉfÉ«ÑdG ∞°ûµd ∂æÑdG ábÉ£ÑdG πeÉM ¢VƒØj 9.3

Éªc iôNCG á«dÉe äÉ°ù°SDƒe hCG ∑ƒæH …CG hCG …õcôŸG ±ô°üŸG ∂dP »à ÉÃ kÉÑ°SÉæe ∂æÑdG √Gôj ÉªÑ°ùM ¢UÉî°TCG …C’ á«aÉ°VE’G ábÉ£ÑdG πeÉMh

øe Ióªà©e iôNCG ±GôWCG …CG hCG á«fÉªàF’G äÉeƒ∏©ª∏d ájOƒ©°ùdG ácô°ûdG ¤EG ∞°ûµj hCG /h øe π°üëj ¿CÉH ∂æÑdG kÉ°†jG ábÉ£ÑdG πeÉM ¢VƒØj

iód äÓ«¡°ùàdG / ÜÉ°ù◊G IQGOEG hCG á©LGôe hCG äÉÑKE’ √ôjó≤àd kÉ≤ah ∂æÑdG É¡Ñ∏£j ób »àdG äÉeƒ∏©ŸG ∂∏J …Oƒ©°ùdG »Hô©dG ó≤ædG á°ù°SDƒe πÑb

.∂æÑdG

hCG ,∫É«àM’G ™æe ¢VôZ ∂dP »à ÉÃ) ¿Éc ¢VôZ …C’h √ôjó≤àd kÉ≤ah ∂æÑ∏d Rƒéj ¬fCG ≈∏Y ¢†≤æ∏d á∏HÉb ÒZ á≤aGƒe ábÉ£ÑdG πeÉM ≥aGƒj 9.4

…CG ∫OÉÑàj ¿CG (á°üà á«ª«¶æJ hCG á«eƒµM á¡L …CG Ö∏£d kÉ≤ah hCG ,øjódG π«°ü– hCG ,ådÉK ±ôW …CG πÑb øe äÉeóN Ëó≤J hCG ,≥«bóàdG

.HSBC äÉcô°T áYƒªéŸ Ö°ùàæe ƒ°†Y hCG ƒ°†Y …CG ™e ¬JÓeÉ©e hCG ábÉ£ÑdG πeÉëH á≤∏©àe äÉfÉ«H hCG äÉeƒ∏©e

…CG ¤EG ábÉ£ÑdG πeÉ◊ áeó≤ŸG äÉeóÿG øe AõL …CG OÉæ°SEG hG πjƒ– ∂æÑ∏d Rƒéj ¬fCG ≈∏Y ¢†≤æ∏d á∏HÉb ÒZ á≤aGƒe ábÉ£ÑdG πeÉM ≥aGƒj 9.5

ájCG øY ábÉ£ÑdG πeÉM √ÉŒ k’hDƒ°ùe ∂æÑdG π¶«°Sh .iôNCG á≤£æe hCG ôNBG »FÉ°†b ¢UÉ°üàNEG øª°V πª©j ’ hCG πª©j ¿Éc AGƒ°S ådÉK ±ôW

±ô£dG Gòg øe Ö∏£«°Sh ôNBG ±ôW …CG øe Ò°ü≤J hCG ∫ÓNEG hCG ∫ÉªgE’ áé«àæc ábÉ£ÑdG πeÉM ÉgóÑµàj OGOÎ°SÓd á∏HÉb QGô°VCG hCG ôFÉ°ùN

.∂æÑdG ¬H Ωƒ≤j …òdG Qó≤dG ¢ùØæH äÉeƒ∏©ŸG √òg ájô°S ≈∏Y á¶aÉëŸÉH ΩGõàd’G ôNB’G

.ôNBG ¿Éµe …CG hCG HSBC áYƒª› ™bGƒe øª°V kÉ«LQÉN äÉbÉ£ÑdG »∏eÉëH á°UÉÿG äÉeƒ∏©ŸG á÷É©e Rƒéj 9.6

.É¡H ®ÉØàM’Gh ábÉ£ÑdG πeÉ◊ á«ØJÉ¡dG äÉŸÉµŸG π«é°ùàH Ωƒ≤j ¿CG ∂æÑ∏d Rƒéj 9.7

¬H ßØàëj ôNBG ÜÉ°ùM …CG ™e ábÉ£ÑdG ÜÉ°ùM ≈∏Y á≤ëà°ùŸG ≠dÉÑŸG ó«MƒJ hCG º°†H QÉ©°TEG ¿hO Ωƒ≤j ¿CÉH ∂æÑdG ábÉ£ÑdG πeÉM ¢VƒØj Gò¡H 9.8

kÉ≤ah ∂æÑdG √ÉŒ ¬JÉeGõàdÉH AÉaƒ∏d ábÉ£ÑdG πeÉ◊ iôNC’G äÉHÉ°ù◊ÉH áæFGO Ió°UQCG ájCG πjƒ– hCG á°UÉ≤ŸG AGôLEGh ∂æÑdG iód ábÉ£ÑdG πeÉM

.ΩÉµMC’Gh •hô°ûdG √ò¡d

.á«Z’ á«bÉØJ’G ∂∏J Èà©J Gò¡Hh (äÉbÉ£ÑdG) ábÉ£ÑdG ΩGóîà°SG hCG QGó°UÉH ≥∏©àj Éª«a ∂æÑdG ™e á∏KÉ‡ á«bÉØJG …CG π á«bÉØJ’G √òg π– 9.9

hCG Ò«¨J …CG íÑ°üjh .IójóL ΩÉµMCGh •hô°T ∫ÉNOG hCG √ÓYCG IOGQƒdG ΩÉµMC’Gh •hô°ûdG πjó©J hCG Ò«¨J ≥ëH äÉbhC’G πc »à ∂æÑdG ßØàëj 9.10

∂∏J øe …CG ∫ƒÑb ábÉ£ÑdG πeÉM áÑZQ ΩóY ∫ÉM »à h áÑ°SÉæe É¡fG ∂æÑdG iôj á∏«°Sh ájCÉH ¬H ¬¨«∏ÑJ ó©H ábÉ£ÑdG πeÉ◊ kÉeõ∏eh kGòaÉf πjó©J

∂æÑdG ¢†jƒ©J ábÉ£ÑdG πeÉM ≈∏Yh .É¡FÉ¨dE’ ∂æÑ∏d á«aÉ°VE’G äÉbÉ£ÑdG / ábÉ£ÑdG ™e ábÉ£ÑdG IOÉYEG ¬«∏Y Öé«a äÓjó©àdG hCG äGÒ«¨àdG

/ ábÉ£H …CGh ábÉ£ÑdG IOÉYEG πÑb äÉbÉ£ÑdG hCG ábÉ£ÑdG ∂∏J ΩGóîà°SÉH â“ »àdG äÓeÉ©ŸG øY (á«bÉØJ’G √ò¡d AÉ¡fEG …CG øe ºZôdG ≈∏Y)

.∂æÑ∏d á«aÉ°VEG äÉbÉ£H

hCG á«aô°üe äÉeóN …CÉH ábÉ£ÑdG πeÉM ójhõJ »à √ôNCÉJ hCG ∂æÑdG ™æe ∫ÉM »à ábÉ£ÑdG πeÉM ÉgóÑµàj IQÉ°ùN …CG øY k’hDƒ°ùe ∂æÑdG ¿ƒµj ød 9.11

ÜÉÑ°SCG ájC’ hCG äGó©ŸG hCG Iõ¡LC’G »à π£Y çhóM hCG »FÉHô¡µdG QÉ«àdG ´É£≤fG hCG á«YÉæ°üdG äÉYGõædG hCG äÉHGô°V’G ÖÑ°ùH iôNCG äÉeóN …CG

.¬JOGQEG øY áLQÉN

Ëó≤J øe 9.11 óæÑdÉH IOQGƒdG ÜÉÑ°SC’G øe ÖÑ°S …C’ ∂æÑdG øµªàj ⁄ GPEG iôNC’G Ωƒ°SôdGh πjƒªàdG º°SQ øY k’hDƒ°ùe ábÉ£ÑdG πeÉM π¶j 9.12

.ábÉ£ÑdG πeÉ◊ ÜÉ°ùM ∞°ûc ∫É°SQG hCG

:•É°ùbCG ÜÉ°S .10

:É¡eÉeCG áë°VƒŸG ÊÉ©ŸG á«dÉàdG äGQÉÑ©∏d ¿ƒµ«°S

»à ™«ÑdG òaÉæe øe òØæe …CG øe ™∏°S ájC’ á©HÉàdG ábÉ£ÑdG πeÉM hCG ábÉ£ÑdG πeÉM ¬H Ωƒ≤j AGô°T …CG »æ©j :(•hô°û∏d á≤HÉ£ŸG) πgDƒŸG AGô°ûdG • ábÉ£H ΩGóîà°SÉH ∂dPh ôNB’ âbh øe ∂æÑdG √Oóëj Ée Ö°ùM ≈fOC’G ÉgóM ≠∏Ñj áª«≤H ,(ájó≤ædG ∞∏°ùdG AÉæãà°SÉH) áµ∏ªŸG êQÉN hCG áµ∏ªŸG

ÊÉ£jÈdG …Oƒ©°ùdG ∂æÑdG øe IQOÉ°üdG á«fÉªàF’G ÜÉ°S

ábÉ£ÑdG πeÉM ≥aGƒj »àdGh (É¡H ìƒª°ùŸG) á∏gDƒŸG AGô°ûdG á«∏ª©d IQOÉ°üdG IQƒJÉØdG á∏ª©H ábÉ£ÑdG á∏eÉ©e ≠∏Ñe »æ©j :»°SÉ°SC’G •É°ùbC’G ≠∏Ñe •z•É°ùbCG{ èeÉfôH ¤EG É¡∏jƒ– ≈∏Y

É¡H ábÉ£ÑdG πeÉM QÉ©°TEG ºàjh ôNB’ âbh øe ∂æÑdG É¡æY ø∏©j »àdG ≥«Ñ£à∏d á∏HÉ≤dG ìÉHQC’G ádƒªY »æ©J :áeóÿG Ωƒ°SQ / •É°ùbCG ìÉHQCG •kGô¡°T 24h 12h 6 »g ≥«Ñ£à∏d á∏HÉ≤dG á«°SÉ«≤dG äGÎØdG ¿CG kÉª∏Y ,ájOÓ«ŸG Qƒ¡°ûdG Oó©H É¡æY È©oj »àdG "•É°ùbCG" `dG IÎa »æ©J :•É°ùbCG Ióe •

Oó°ùJ ⁄ »àdG ìÉHQC’G º°SQ ¬«dEG kÉaÉ°†e »°ù«FôdG •É°ùbC’G ≠∏Ñe »æ©J :á≤ëà°ùŸG •É°ùbC’G ••É°ùbC’G Ióe ≈∏Y áª°ù≤e Oó°ùJ ⁄ »àdG ìÉHQC’G º°SQ ¬«dEG kÉaÉ°†e »°ù«FôdG •É°ùbC’G ≠∏Ñe »æ©J :ájô¡°ûdG •É°ùbC’G äÉ©aO •

ábÉ£ÑdG ÜÉ°ùM ∞°ûc ≈∏Y ô¡¶j …òdG ∞°ûµdG QGó°UEG ïjQÉJ »æ©j :ÜÉ°ù◊G ∞°ûc ïjQÉJ • www.sabb.com :≈∏Y IôaƒàŸG ábÉ£ÑdG ÜÉ°ùM É¡d ™°†îj »àdG •hô°ûdGh ΩÉµMC’G »æ©J :ábÉ£ÑdG πeÉM á«bÉØJG •

á≤HÉ£ŸG) á∏gDƒŸG AGô°ûdG äÉ«∏ªY øe OóY hCG óMCG πjƒ– ≈∏Y ¬à≤aGƒe …óÑj ¿CG ábÉ£ÑdG πeÉM ≈∏Y : z•É°ùbCG{ ¢VôY øe IOÉØà°SÓd 10.1

.™aódG ¥É≤ëà°SG ïjQÉJ øe πbC’G ≈∏Y ΩÉjCG 5 πÑb ∂dPh z•É°ùbCG{ èeÉfÈH á≤∏©àŸG á«dÉ◊G ±ƒ°ûµdG QGó°UEG IÎa ∫ÓN ºàJ »àdG (•hô°û∏d

:‹ÉàdG ¿Gƒæ©dG ≈∏Y á∏°SGôŸG hCG 800 124 8888 ºbôdG ≈∏Y AÓª©dG áeóN õcôÃ ∫É°üJ’G ∫ÓN øe ∂dPh

Iô°TÉÑŸG á«aô°üŸG äÉeóî∏d ÜÉ°S º°ùb

11557 ¢VÉjôdG 69718 Ü . ¢U ÊÉ£jÈdG …Oƒ©°ùdG ∂æÑdG

.ájOƒ©°ùdG á«Hô©dG áµ∏ªŸG

¤EG ábÓ©dG äGP ábÉ£ÑdÉH á°UÉÿG á«FGô°ûdG á«∏ª©dG πjƒëàH ∂æÑdG Ωƒ≤j ,•É°ùbCG èeÉfôH ¤EG AGô°T á«∏ªY πjƒëàH ábÉ£ÑdG πeÉM ÖZQ GPEG 10.2

ó©H "•É°ùbCG" IÎa Ò«¨J øµÁ ’h Gòg ,kÉ©e ábÉ£ÑdG πeÉMh ∂æÑdG É¡«∏Y ≥aGh »àdG (√ÉfOCG "•É°ùbCG" äGÎa ô¶fCG)IÎØ∏d "•É°ùbCG" èeÉfôH

.É¡æe »≤ÑàŸG ó«°UôdGh á≤ëà°ùŸG ájô¡°ûdG "•É°ùbCG" äÉ©aO ÜÉ°ù◊G ∞°ûc ÚÑ«°S .É¡«∏Y ¥ÉØJ’G

:á«°SÉ«b IÎa πµd ∂dPh á«FGô°ûdG äÉ«∏ª©dG áª«b ´ƒª› øe ≈fOC’Gh ≈°übC’G ó◊G ‹ÉàdG ∫hó÷G í°Vƒj 10.3

.á«æ©ŸG ábÉ£ÑdG ÜÉ°ùëH á≤∏©àŸGh á≤ëà°ùŸG z•É°ùbCG{ äÉ©aód á«dÉªLE’G áª«≤dÉH ábÉ£ÑdG ÜÉ°ùM ≈∏Y ôaƒàŸG ¿ÉªàF’G óM ¢†ØN ºà«°S 10.4

Öéj »àdGh …ô¡°T ÜÉ°ùM ∞°ûc πc ≈∏Y ,≥ëà°ùŸG ≈fOC’G ≠∏ÑŸGh IOó°ùŸG ÒZ ≠dÉÑŸG ¤EG z•É°ùbCG{ `d OóëŸG …ô¡°ûdG §°ù≤dG áaÉ°VEG ºàà°S 10.5

∂dPh (πeÉµdÉH á«≤ÑàŸG z•É°ùbCG{ ≠dÉÑe ójó°ùJ ºàj ¿CG ¤EGh ) ¬∏Ñb hCG ¥É≤ëà°S’G ïjQÉJ Ωƒj »à É¡p∏ nª o› ójó°ùJ ábÉ£ÑdG πeÉM ≈∏Y

.ábÉ£ÑdG πeÉM á«bÉØJG øe 6 óæÑdG ™e ≥aGƒàj ÉÃ

AGô°T äÉ«∏ªY "•É°ùbCG" `H á°UÉÿG á«FGô°ûdG äÉ«∏ª©dG πjƒ–h "•É°ùbCG" èeÉfôH AÉ¨dEG ¤EG •É°ùbC’G ™aO ΩóY hCG OGó°ùdG »à ôNCÉàdG …ODƒ«°S 10.6

AÉ¨dE’G …ODƒ«°S ,∂dòc ."á«fÉªàF’G ÜÉ°S äÉbÉ£H ΩGóîà°SG π«dO" »à ô°ûæoJ »àdG á«dÉ◊G •hô°ûdGh ΩÉµMC’G ÖLƒÃ É¡©e πeÉ©àdG ºà«°Sh ájOÉY

.ôNB’ âbh øe ÜÉ°S πÑb øe ¬H äÉbÉ£ÑdG á∏ªM ÆÓHEG ºàj Ée Ö°ùM äÉeGôZ ≥«Ñ£J ¤EG

.É¡∏«é°ùJ ºàj zÜÉ°S •É°ùbCG{ á«∏ªY πc øY ájQGOEG Ωƒ°Sôc k’ÉjQ 50 ≠∏Ñe ÜÉ°ùàMG ºà«°S 10.7

ÚJÎa ióe ≈∏Y ∂dPh ¬∏Ñb hCG ¥É≤ëà°S’G ïjQÉJ Ωƒj »à ≥ëà°ùŸG ≈fOC’G ≠∏ÑŸG øe ÌcCG hCG …hÉ°ùj Ée ™aóH ábÉ£ÑdG πeÉM º≤j ⁄ GPEG 10.8

z•É°ùbCG{ ≠dÉÑŸ ájhÉ°ùe áª«b ∞«°†jh IOó°ùe ÒZ z•É°ùbCG{ ájCG »¨∏j ¿CG √QÉ«àNG ¢†ëÃh ∂æÑ∏d ≥ë«a ,ÒJGƒØdG QGó°UEG äGÎa øe Úà©HÉààe

∂æÑdG Ωƒ≤«°S Éªc .ábÉ£ÑdG πeÉM á«bÉØJG øe 7 IOÉŸG ™e ≥aGƒàj ÉÃ ™aódG áÑLGh ¿ƒµà°S »àdGh IOó°ùŸG ÒZ áª«≤dG ¤EG á«≤ÑàŸG á«°SÉ°SC’G

πc øY ∂dPh ≈∏YCG Éª¡jCG ."•É°ùbCG" èeÉfôH ÈY É¡∏jƒ“ ” »àdG á«FGô°ûdG á«∏ª©dG øe %5 ¬àÑ°ùf Ée hCG ∫ÉjQ 100 É¡àª«b AÉ¨dEG Ωƒ°SQ »°VÉ≤àH

."•É°ùbCG" èeGôH øe èeÉfôH

ÒZ áª«≤dG ¤EG á≤ëà°ùŸG "•É°ùbCG" `dG áaÉ°VEG ºà«°ùa ,á≤ëà°ùe z•É°ùbCG{ IÎa …CG ájÉ¡f πÑb ábÉ£ÑdG ÜÉ°ùM ∫ÉØbEG ábÉ£ÑdG πeÉM OGQCG GPEG 10.9

%5 hCG ∫ÉjQ 100 ¬àª«b Ée ∂æÑdG ≈°VÉ≤àj .ábÉ£ÑdG πeÉM á«bÉØJG »à 7 IOÉŸG ¬«°†à≤J Ée Ö°ùëH ™aódG áÑLGh ¿ƒµà°S »àdGh IOó°ùŸG

Ωƒ°SôdG √òg »°VÉ≤J ºà«°S ∂dòc ..IôµÑe ájƒ°ùJ Ωƒ°Sôc -≈∏YCG Éª¡jCG – "•É°ùbCG" èeÉfôH ¤EG É¡∏jƒ– ” »àdG á«FGô°ûdG äÉ«∏ª©dG áª«b øe

.É¡«∏Y ≥ØàŸG IÎØdG ájÉ¡f πÑb "•É°ùbCG" èeGôH ájCG ájƒ°ùJ »à ábÉ£ÑdG πeÉM ÖZQ GPEG

AõL ójó°ùJ »à ábÉ£ÑdG πeÉM πÑb øe kÉeó≤e ÓƒJ ≠dÉÑe hCG íLÉf äÉÑdÉ£e OQ hCG ≠dÉÑe IOÉ©à°SG øY CÉ°ûæj øFGO ó«°UQ …CG ΩGóîà°SG ºà«°S 10.10

Ωƒ°SQ »°VÉ≤J ºà«°ùa á≤ëà°ùŸG ≠dÉÑŸG πc OGó°S á«£¨àd kÉ«aÉc øFGódG ó«°UôdG ¿ƒµj ¿CG ∫ÉM »àh Gòg ,IOó°ùŸG ÒZ "•É°ùbCG" ≠dÉÑe πc hCG øe

."•É°ùbCG" èeGôH øe èeÉfôH πc øY ∂dPh (≈∏YCG Éª¡jCG) "•É°ùbCG" èeGôH ¤EG ¬∏jƒ– ” …òdG πeÉ©àdG áª«b øe %5 hCG ∫ÉjQ 100 ™bGƒH AÉ¨dEG

äÉYGõf hCG ihÉµ°T ájCG øY ∫GƒMC’G øe ∫ÉM …CÉH k’hDƒ°ùe ∂dòc ¿ƒµj ødh ábÉ£ÑdG ∫ƒÑb ájQÉŒ á°ù°SDƒe …CG ¢†aQ øY k’hDƒ°ùe ∂æÑdG ¿ƒµj ød 10.11

á°ù°SDƒŸG ™e Iô°TÉÑe ihÉµ°ûdG / äÉeGõàd’G √òg πãe πM √óMh ábÉ£ÑdG πeÉM ≈∏Yh ,ábÉ£ÑdG πeÉ◊ Ωó≤J »àdG äÉeóÿG hCG ™∏°ùdÉH ≥∏©àJ

ájC’ kÉ©°Vƒe ájQÉŒ á°ù°SDƒe ó°V ábÉ£ÑdG πeÉM É¡eó≤j iƒµ°T ájCG ¿ƒµJ ¿CG Rƒéj ’ .∂dP √ÉŒ á«dhDƒ°ùe ájCG ∂æÑdG πªëàj ødh ájQÉéàdG

ÉgQGó°UEG ºàj áë«ë°U øFGO áª«°ùb ΩÓà°SG óæY §≤a IOÎ°ùe ≠dÉÑe ájCG ábÉ£ÑdG πeÉM ÜÉ°ù◊ ó«≤dÉH ∂æÑdG Ωƒ≤jh Gòg ,∂æÑdG ó°V áÑdÉ£e

.á«æ©ŸG ájQÉéàdG á°ù°SDƒŸG øe

èeÉfôH •hô°Th Ióe AÉ¡fEGh πjó©àH Ωƒ≤j ¿CG ábÉ£ÑdG πeÉM √ÉŒ á«dhDƒ°ùe …CG πª– hCG ábÉ£ÑdG πeÉ◊ QÉ©°TEG ¿hóHh âbh …CG »à ∂æÑ∏d ≥ëj 10.12

πãe ≈∏Y ábÉ£ÑdG πeÉM á≤aGƒŸ kÉ«aÉc kÉàbh ôaƒj É‡ É¡FGôLEG øe kÉeƒj 60 ó©H ¿ƒµ«°S AÉ¡fE’G hCG äÓjó©àdG √òg ¿Éjô°S ¿CG Éª∏Y "•É°ùbCG"

.∂dP

.¢Vô©dG Gòg ≈∏Y ábÉ£ÑdG πeÉM á«bÉØJG ΩÉµMCGh •hô°T ∫ƒ©Øe …ô°ùj 10.13

Repayment Term (Month) 6 12 24

Minimum Transaction Amount (SAR) 1,000 2,000 5,000

Maximum Transaction Amount (SAR) Up to a maximum of available credit limit

6 12 24

1,000 2,000 5,000

(ô¡°TC’ÉH) OGó°ùdG IÎa

(¢S.Q)πeÉ©àdG áª«≤d ≈fOC’G ó◊G

(¢S.Q) πeÉ©àdG áª«≤d ≈∏YC’G ó◊GôaƒàŸG ≈∏YC’G ¿ÉªàF’G óM ≈àM






















11557 ¢VÉjôdG ,69718 Ü.¢U


2

Charges

























Ωƒ`````°Sô``dG

3







1. Issuing of Cards










the Bank.












of any claims.








4. Credit Limit





5. Fees




6.1 Card Payments:














may decide.

































.∂æÑ∏d


























.ájQÉéàdG


































Ωƒ°SôdG .5


.ôNB’ âbh øe



















































Terms & Conditions.














9. General













Terms & Conditions.





10. SABB AQSAT:







































.ôNB’ âbh























áeÉY ΩÉµMCG .9












.∂æÑdG





































































.∂dP





6 12 24

1,000 2,000 5,000




Share the privileges with your family for free of charge

If you wish to extend the benefits of your card

membership to your family and share the privileges

of your SABB Credit Card, you can apply for free

supplementary cards (applicants must be over 18

years of age).

For your protection

If you lose your card within the Kingdom, you should

immediately call 800 124 8888, or from abroad call

+966 1 440 8888, then confirm your call in writing by

sending a fax to +966 1 402 6375. Transactions that

happen before reporting the lost card will be charged

to the customer.

4

kÉfÉ› á«fÉªàF’G ÜÉ°S äÉbÉ£H äGõq«e ∂à∏FÉY ∑QÉ°T

ájƒ°†Y ∂d ÉgôaƒJ »àdG ™aÉæŸG øe IOÉ`Øà°S’G ™«°SƒJ »à âÑZQ GPEG

ÜÉ°S ábÉ£H äGRÉ«àeGh óFGƒa ∂àcQÉ°ûe ∂à∏FÉY ¿ÉµeEÉÑa ,ábÉ£ÑdG

’CG Öéj) kÉfÉ› º¡d íæªoà°Sh á©HÉJ ábÉ`£H Ö∏£H Ωó≤J §≤a .á«fÉªàF’G

.(áæ°S 18 øY ábÉ£Ñ∏d Ωó≤àŸG ôªY π≤j

∂àjÉª◊

ÜÉ°S ÈY ∂dPh Iô°TÉÑe ∂æÑdG ÆÓHEG ∂«∏Y ÖLƒàj ,∂àbÉ£H ¿Gó≤a óæY

∂dÉ°üJG ¿EÉa áµ∏ªŸG êQÉN ∑óLGƒJ ∫ÉM »àh ,800 124 8888 âcôjGO

øe kÉ«£N ∂dÉ°üJG õjõ©J ºK øeh +966 1 440 8888 ≈∏Y ¿ƒµ«°S

áaÉc ∞«dÉµJ π«ª©dG πªëàj .+966 1 402 6375 ¢ùcÉØdG ∫ÓN

.É¡fGó≤a øY ÆÓHE’G ïjQÉJ πÑb ábÉ£ÑdG øY IQOÉ°üdG äÉ«∏ª©dG

á«aÉ°VEG äGõ«eAdditional Benefits

5

Getting cash advances and access to your accountwith SABB

There will be times when you require cash. This could happen when you are in the Kingdom or abroad. Your SABB VISA and MasterCard credit cards will enable you to withdraw cash from up to 250,000 financial institu-tions and 840,000 ATMs in the Kingdom and worldwide.*

If you bank with SABB, you have the additional benefit of withdrawing cash from your current/savings account with your SABB VISA or MasterCard card through the SABB ATM network. MasterCard cardholders can also access their SABB account through ATMs featuring theCirrus logo.

.ÜÉ°S »à ∂`HÉ°ùëH ô°TÉ``ÑŸG ∫É°üJ’Gh á``jó`≤ædG äÉHƒë°ùdG ≈∏Y ∫ƒ°ü◊G

hCG á``µ∏ªŸG π``NGO AGƒ°S çó``ëj Gò``gh ,ó≤æ∏d É¡«à êÉà– äÉ``bhCG ∑É``æg

ó≤ædG Öë°S á«fÉªàF’G OQÉcÎ°SÉeh Gõ«à ÜÉ°S äÉbÉ`£H ∂d í«àJ .É¡LQÉN

»à ‹BG ±Gô°U RÉ¡L 840,000 ¤EG áaÉ°VEG á«dÉe á°ù°SDƒe 250,000 øe

*.⁄É©dG ∫ƒMh áµ∏ªŸG

…ó`≤ædG Öë°ùdG »gh á«àÉ°VEG Iõ``«e ∂d ìÉ`àJ ,ÜÉ°S ™e ∂∏eÉ©J ∫ÉM »à

∂HÉ°ùM øe á«fÉªàF’G OQÉcÎ°SÉe hCG Gõ``«`à ÜÉ``°S äÉbÉ`£H á`£°SGƒH

»àdG ‹B’G ±Gô°üdG Iõ¡LCG ∫ÓN øe ∂dPh ÒàƒàdG /…QÉ÷G »àô°üŸG

QÉ©°T πª– »àdG ‹B’G ±Gô°üdG Iõ¡LCG ∫ÓN øeh ,ÜÉ°S QÉ©°T πª–

.OQÉcÎ°SÉe ábÉ£H »∏eÉ◊ Cirrus áµÑ°T

Cash Facilities …ó≤ædG Öë°ùdG

*Cash withdrawals from SABB ATMs are limited to SAR 1,500 per day .Ωƒ«dG »à ∫ÉjQ 1,500 ƒg ‹B’G ±ô°ü∏d ÜÉ°S Iõ¡LCG øe …ó≤ædG ±ô°üdG óM*

Simple Services Delivered Well

Day or night, you can access our services through SABB Direct on 800 124 8888 or + 966 1 440 8888 from overseas or log on to SABBNET at www.sabb.com

• To check your credit card balance, minimum payment or payment due date, use your credit card number and PIN to access this simple, convenient service

• If you are a SABB accountholder, you can also make payments to your credit card by using your account number and SABB Direct PIN

In addition to the above service channels, you can use the wide range of services of the extensive SABB ATM network or fax your request / enquiry to +966 1 401 4933.

âcôjGO ÜÉ°S ÈY á«àô°üŸG äÉeóÿG øe IOÉØà°S’G ∂æµÁ ,kGQÉ¡f hCG kÓ«d

êQÉN øe +966 1 440 8888 hCG 800 124 8888 ºbQ ∞JÉ¡dG á£°SGƒH

www.sabb.com ™bƒŸG ∫ÓN øe âf ÜÉ°S ÈY hCG áµ∏ªŸG

√OGó``°S ≥ëà°ùŸG ≈fOC’G ≠∏ÑŸG ,á«fÉªàF’G ∂àbÉ£H ó«°UQ øY QÉ°ùØà°SÓd • »°üî°ûdG …ô°ùdG ºbôdGh ∂``àbÉ£H º````bQ π``NOCG ,¥É``≤ëà°S’G ï``jQÉJ hCG

áëjôŸGh á∏¡°ùdG á`èóÿG √òg øe IOÉ``Øà°SÓd É``¡H ¢UÉ````ÿG

≈∏Y äÉ≤ëà°ùŸG ójó°ùJ kÉ°†jCG ∂æµÁ ÜÉ°S iód ÜÉ°ùM ∂jód ¿Éc GPEG •¢UÉÿG »°üî°ûdG …ô°ùdG ºbôdGh ∂HÉ°ùM ºbQ ∫ÉNOEÉ``H ∂dPh ∂àbÉ£H

âcôjGO ÜÉ°S `H

áµÑ°T Égô qaƒJ »àdG IÒãµdG äÉeóÿG øe IOÉ``Øà°S’G ∂``æµÁ ,∂dòd á`àÉ°VE’ÉH

. +966 1 401 4933 ºbQ ¢ùcÉØdG ÈY ÉæH ∫É°üJ’G hCG ÜÉ°S ±Gô°U

õq«‡ Üƒ∏°SCÉH á∏¡°S äÉeóN

6

äBÉaÉµª∏d "Ö°ùcEG" èeÉfôH

7 “ICSABB”Rewards Programme

“ICSABB” is a unique loyalty programme that rewards you just for using your SABB credit card. We give youone ”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.

∂ÄaÉµj ójôa äBÉaÉµe èeÉfôH øY IQÉÑY ƒg "Ö°ùcEG" èeÉfôH

IóMGh "Ö°ùcEG" á£≤f ∂ëæ‰ ±ƒ°S .á«fÉªàF’G ∂àbÉ£H ∂eGóîà°S’

ájó≤ædG ∞∏°ùdG) á«fÉªàF’G ∂àbÉ£H ≈∏Y É¡≤ØæJ ä’ÉjQ 10 πc πHÉ≤e

"Ö°ùcEG" áª«°ùb ∂d π°Sôf ±ƒ°S ,á£≤f 1000 ™ªŒ ÉeóæYh ,(IÉæãà°ùe

äÉjÎ°ûªc É¡eGóîà°SG ∂æµÁ å«M …Oƒ©°S ∫ÉjQ 100 É¡àª«b *ójÈdÉH

≈∏Y á©FGôdG **ájQÉéàdG äÓëŸG øe IÒÑc áYƒª› iód á«fÉ›

.áµ∏ªŸG iƒà°ùe

á≤ëà°ùŸG ájƒæ°ùdG Ωƒ°SôdG ™aód ºFÉ°ù≤dG √òg ΩGóîà°SG kÉ°†jCG ∂æµÁ Éªc

"Ö°ùcEG" èeÉfôH ¢VhôY ôNBG ≈∏Y ±ô©à∏d .á«fÉªàF’G ∂àbÉ£H ≈∏Y

ÊhÎµdE’G ÜÉ°S ™bƒe IQÉjõH Gƒ∏°†ØJ ,ácQÉ°ûŸG ájQÉéàdG äÓëŸG áªFÉbh

.800 124 8888 âcôjGO ÜÉ°S ≈∏Y ∫É°üJ’G hCG www.sabb.com

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**

.∂æÑdG ÉgQô≤j »àdG á≤jô£dÉH ácQÉ°ûŸG ôLÉàŸG øe áeó≤ŸG ¢Vhô©dG ≈∏Y CGô£J ób äÓjó©J …CÉH hCG ÉgDhÉ¨dEG

8

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

Notes: * Expired and lost “ICSABB” Certificates cannot be re-issued. ** 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.

9

“SABB AQSAT” is the SABB Credit Card feature that offers the convenience of paying your large-value transactions in equal, affordable and small instalments.

With profit rates of only 18%, you can now transfer eligible transactions to “SABB AQSAT” by selecting the most convenient repayment term to suit your budget.

Key features

• Applies to any purchase transactions of over SAR 1,000 made on your primary or supplementary card

• Absolutely no restrictions on the products you can purchase within the Kingdom or worldwide (excluding cash advances)

ôaƒJ »àdG á«fÉªàF’G ÜÉ°S äÉbÉ£H ÉjGõe óMCG ƒgh "•É°ùbCG ÜÉ°S" èeÉfôH

.ájhÉ°ùàeh Iô°ù«e •É°ùbCÉH IÒÑµdG á«FGô°ûdG äÉ«∏ª©dG ™aO QÉ«N ºµd

πjƒ– ºµfÉµeEÉH íÑ°UCG ,%18 §≤a ,á°ùaÉæŸG ÜÉ°S äÉeóN Ωƒ°SQ π°†ØHh

OGó°ùdG Ióe QÉ«àNG ∫ÓN øe "•É°ùbCG ÜÉ°S" èeÉfôH ¤EG á∏gDƒŸG äÓeÉ©ŸG

.ºµà«fGõ«Ÿ áÑ°SÉæŸG

á«°ù«FôdG ÉjGõŸG

hCG …Oƒ©°S ∫ÉjQ 1,000 ≠∏ÑÃ á«FGô°T á∏eÉ©e …CG ≈∏Y áeóÿG ≥Ñ£æJ •á«aÉ°VE’G hCG á«°ù«FôdG ábÉ£ÑdG ΩGóîà°SÉH ºàJ ÌcCG

πNGO øe ÉgDhGô°T π«ª©∏d øµÁ »àdG äÉéàæŸG ≈∏Y kÉ≤∏£e Oƒ«b ¿hóH •(ájó≤ædG ∞∏°ùdG GóYÉe) áµ∏ªŸG êQÉNh

“SABB AQSAT” "•É°ùbCG ÜÉ°S" èeÉfôH

10

• Choose from our flexible repayment terms of 6, 12 or 24 months

• Lowest profit rate starting from 18% per annum

• Nominal processing fee of SAR 50 per transaction

• 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 »à %18 øe CGóÑJ ìÉHQCG áÑ°ùf πbCG ≥Ñ£J •

á«∏ªY πµd ∫ÉjQ 50 ájõeQ áeóN Ωƒ°SQ •kÉjô¡°T π°üØe ÜÉ°ùM ∞°ûc ÒaƒJ •

π«Øc ¤EG êÉà– ’ •áeó≤e á©aO ¿hóH •

ôaƒàŸG ¿ÉªàF’G óM øª°V É¡H ìƒª°ùŸG •É°ùbC’G Oó©d ójó– ¿hóH •

Simply follow these 3 convenient steps to benefit from “SABB AQSAT”:

Step 1: Use your SABB Credit Card to make a purchase of at least SAR 1,000.

Step 2: Call SABB Direct 800 124 8888 and request to convert your transaction into a “SABB AQSAT” Plan for6, 12 or 24 months.

11

:á«dÉàdG çÓãdG á∏¡°ùdG äGƒ£ÿG ´ÉÑJG ∂«∏Y "•É°ùbCG ÜÉ°S" øe IOÉØà°SÓd

π≤J ’ AGô°T á«∏ª©d á«fÉªàF’G ÜÉ°S ábÉ£H Ωóîà°SG :¤hC’G Iƒ£ÿG

.∫ÉjQ 1,000 øY É¡àª«b

ÈY á«aô°üŸG ÉæJÉeóN) âcôjGO ÜÉ°S ≈∏Y π°üJG :á«fÉãdG Iƒ£ÿG

èeÉfôH ¤EG IQƒcòŸG á∏eÉ©ŸG πjƒ– Ö∏WGh 800 124 8888 (∞JÉ¡dG

.kGô¡°T 24 hCG 12 hCG 6 IóŸ "•É°ùbCG ÜÉ°S"

The table below is an example of how “SABB AQSAT” works for a transaction of SAR 5,000 converted into a “SABB AQSAT” Plan for 6, 12 and 24-month terms.

á∏eÉ©Ÿ áÑ°ùædÉH "•É°ùbCG ÜÉ°S" èeÉfôH πªY á«Ø«c √ÉfOCG ∫hó÷G í°Vƒj

"•É°ùbCG ÜÉ°S" èeÉfôH ¤EG É¡∏jƒ– ” …Oƒ©°S ∫ÉjQ 5,000 ≠∏ÑÃ

.kGô¡°T 24h 12h 6 IóŸ

Term 6 Months 12 Months 24 Months

Profit rate (APR) 18% 24%

Monthly instalment (SAR) 908.33 491.66 258.33

"SABB AQSAT" Instalment Calculation - SAR 5,000 TransactionIóŸG

íHôdG áÑ°ùf

…ô¡°ûdG §°ù≤dG

kGô¡°T 24 kGô¡°T 12 ô¡°TCG 6

%24 %18

258.33 491.66 908.33

∫ÉjQ 5,000 ≠∏ÑÃ á∏eÉ©Ÿ "•É°ùbCG ÜÉ°S" ÜÉ°ùM

12

Step 3: Pay only the monthly instalment each month for the term of the "SABB AQSAT" Plan.

Detailed terms and conditions are enclosed in the Cardholder Agreement appearing in this User Guide. You can also find them on our website: www.sabb.com

èeÉfôH Ióe ∫ÓN …ô¡°ûdG §°ù≤dG §≤a Oó°S :áãdÉãdG Iƒ£ÿG

."•É°ùbCG ÜÉ°S"

´ÓW’G ∂æµÁ Éªc á∏≤à°ùe áëØ°U »à á∏°üØŸG ΩÉµMC’Gh •hô°ûdG ≥aôe

www.sabb.com :™bƒª∏d ∫ƒNódÉH É¡«∏Y

13

SABB Credit Shield

SABB Credit Shield is a Takaful 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.

∂ëæª«d kÉ°ü«°üN ºª°U πaÉµJ èeÉfôH ƒg "ÊÉªàF’G ÜÉ°S ´QO" èeÉfôH

ádÉM »à á«fÉªàF’G ∂àbÉ£H ÜÉ°ùM ó«°UQ ≈∏Y á∏eÉ°T á«æ«eCÉJ á«£¨J

»à ¿ƒjO …CG AÉÑYCG πªëàJ ’ å«ëH , ˆG Qsób ’ ºFGódG õé©dG hCG IÉaƒdG

.√hôµe …CG çhóM ∫ÉM

ÊÉªàF’G ÜÉ°S ´QO

14

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 or Platinum Credit Cards)*

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

á«fÉªàF’G á«£¨àdG OhóM

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

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

á«°SÉ°SC’G äÉbÉ£ÑdG ´GƒfCG áaÉc ≈∏Y …Oƒ©°S ∫ÉjQ 200,000 ‹ÉªLG ≠∏ÑŸ á«fÉªàF’G á«£¨àdG π°üJ*

.ábÉ£ÑdG πeÉM É¡H ßØàëj »àdG

15

Monthly Premium

If you have subscribed to SABB Credit Shield you will be charged a premium of 0.49% only on your monthly outstanding balance. This premium will be show in your monthly credit card statement. To activate or cancel this feature, you can simply call SABB Direct on800 124 8888

In the event of a claim

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

ájô¡°ûdG ádƒª©dG

ÉgQób ádƒªY ÜÉ°ùàMG ºàj ±ƒ°S ÊÉªàF’G ÜÉ°S ´QO »à kÉcÎ°ûe âæc GPEG

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

∂æµÁ áeóÿG √òg AÉ¨dE’ hCG ∫ƒ°üë∏d .…ô¡°ûdG ∂àbÉ£H ÜÉ°ùM ∞°ûc »à

800 124 8888 âcôjGO ÜÉ°S ≈∏Y ∫É°üJ’G

áÑdÉ£ŸG ádÉM »à

800 126 0006 (πaÉµJ ÜÉ°S)AÓª©dG áeóN õcôe ≈∏Y ∫É°üJ’G ∂æµÁ

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

SABB Credit Shield - Exclusions äGAÉæãà°S’G - ÊÉªàF’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, 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

• 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

• Pre-Existing 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 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 ºgQÉªYCG 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 »à ácQÉ°ûŸG •

... ïdG äƒ°TGQÉÑdÉH õØ≤dGh ,¿ƒdÉÑdÉH ¿GÒ£dG ,»YGô°ûdG ¿GÒ£dG ,∞«ØÿG ¿GÒ£dG ÓeÉ°T …ƒ÷G ¿GÒ£dG øe ´ƒf …CG .1

... ïdG »é∏ãdG »cƒ¡dG ,‹É©dG õØ≤dG ,ó«∏÷G ≈∏Y èdõàdG πãe ájƒà°ûdG äÉ°VÉjôdG .2

... ïdG ¢ù£¨dG ,äÉÑcôŸÉH èdõàdG ,AÉŸG ≈∏Y èdõàdG ,ÜQGƒ≤dG äÉbÉÑ°S πãe á«FÉŸG äÉ°VÉjôdG .3

... ïdG ,¥ÉÑ°ùdG ,ƒdƒÑdG , õØ≤dG ,ó«°üdG πãe π«ÿG ÜƒcQ äÉWÉ°ûf .4

... ïdG 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 »à ácQÉ°ûŸG .6

∫Éà≤dG ¿ƒæa øe øa …CG hCG ,áYQÉ°üŸG ,á«JGQÉµdG ,áªcÓŸG ,hOƒ÷G äÉ°VÉjQ .7

äÉ©ØJôŸG øe πÑ◊ÉH õØ≤dG .8

¬d øeDƒŸG ¿Éc AGƒ°S ∂dòH ádhÉ …CG hCG ¬°ùØæd ¢üî°ûdG É¡H ÖÑ°ùàj »àdG áHÉ°U’G hCG »JGòdG iPC’G hCG QÉëàf’G ádhÉ ,QÉëàf’G • ∂dP ÒZ hCG kÓbÉY

¿ƒfÉ≤dG πÑb øe ¢üî°ûdG áÑbÉ©e •..É¡¡HÉ°T Éeh äGQóîŸG hCG ,∫ƒëµdG ÒKCÉJ •

»à 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°U’G

ÚeCÉà∏d á≤HÉ°ùdG ä’É◊G •á°üNôeh ádhó› á∏MQ »à áØ∏µdG ´ƒaóe …QÉŒ QÉ°ùe »à GôaÉ°ùe ¢üî°ûdG É¡«a ¿ƒµj »àdG ádÉ◊G øY ióY áMÓŸG ∫É› •

∫ÉªYC’G ,í∏°ùŸG ¿É«°ü©dG ,Oô“ ,äÉHGô£°VG ,IQƒK ,á«∏gCG ÜôM ,(áæ∏©e ÒZ hCG áæ∏©e âfÉc AGƒ°S) ÜôM »à ¢üî°ûdG ácQÉ°ûe •IQÉ°ùN …CG Êóe hCG »°SÉ«°S ÜGô£°VG øY èàæj ∞æY ¬«a πªY …CG hCG ájôµ°ùY/á«HôM ∫ÉªYCG ,áæ°Uô≤dG ,á«HÉgQG ∫ÉªYCG ,ájôµ°ù©dG

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 πµ°ûH âfÉc AGƒ°S ,Qô°V hCG

¬©e ¿Éc hCG ≥jôM ¬©ÑJ AGƒ°S çƒ∏àdÉH ábÓY

»∏°SÉæJ ¢Vôe …CG hCG RójC’ÉH ihó©dG •

16

17

Protection Shield ájÉª◊G ´QO

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.

äÉjÎ°ûŸG ájÉªM

ó°V É¡à«£¨J ºà«°S á«fÉªàF’G ÜÉ°S ábÉ£H ≈∏Y äÉjÎ°ûŸG ™«ªL

.∫ÉjQ 20,000 ≈àM á°VQÉ©dG QGô°VC’G hCG ábô°ùdG hCG ¿Gó≤ØdG

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

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 SABB 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

• Travelling was not done on a common carrier ticket purchased with the cardholder’s 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, 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

• Jewelry 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 jewelry

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

18 ôªY ≈àM O’hCG 3h áLhõdG / êhõdGh ,ÜÉ`°S øe IQOÉ°üdG ∫ƒ©ØŸG ájQÉ°S á«µ«°SÓµdGh á«ÑgòdG OQÉcÎ°SÉe / Gõ«à äÉbÉ£H ƒ∏eÉM

.(πeÉc ΩGhóH á°SGQódG ∫ÉM »à áæ°S 23) áæ°S

áæ seDƒŸG á∏MôdG

ÚæeDƒŸG ¢UÉî°TCÓdh ¬d áÑ°ùædÉH ábÉ£ÑdG πeÉM πÑb øe áYƒaóŸG ôØ°ùdG ábÉ£H áª«b ‹ÉªLEG ¿ƒµJ ¿CG Öéj áæeDƒe á∏MôdG Èà©J »µd

.∫ƒ©ØŸG ájQÉ°S á«µ«°SÓµdGh á«ÑgòdG OQÉc Î°SÉe / Gõ«à ábÉ£H ≈∏Y äó«b ób ábÉ£ÑdG √òg πeÉ◊ Ú≤aGôŸG øjôNB’G

á©àeC’G ôNCÉJ ¢†jƒ©J

π°ûØJh ájQÉéàdG ¿GÒ£dG •ƒ£N Ió¡Y â– ¿ƒµJh É¡eÓà°SG ºàj »àdGh á«°üî°ûdG á©àeC’G ádÉM »à áFQÉ£dG äÉjÎ°ûŸG äÉ≤Øf ¢†jƒ©J

á«°üî°ûdG 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 »à

.§≤a

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 áª«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 »à

‹hódG 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

äGAÉæãà°S’G

á«fÉªàF’G ÜÉ°S ábÉ£H á£°SGƒH IôcòàdG AGô°T ºàj ⁄ ∫ÉM »à hCG ΩÉY …QÉŒ 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 ∫ÉªgE’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 •

,IóYÉ°ùŸG ™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

,´ƒf …CG øe ∫hGóà∏d á∏HÉ≤dG ájQÉéàdG ¥GQhC’G ,É¡YGƒfCG ™«ªéH ôcGòàdG ,á«MÉ«°ùdG äÉµ«°ûdG ,á«fÉªàF’G äÉbÉ£ÑdG ,í«JÉØŸG •¬ªµM »à Éeh ó≤ædG ,äÓª©dG ,áÁôµdG QÉéMC’G ,∂FÉÑ°ùdG

Ö°SÉ◊G OÉàY ,äÉfƒØ«∏àdG ,á«fhÎµdE’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

äÉfGƒ«◊G ,äÉJÉÑædG •á«cÓ¡à°S’G OGƒŸG •

∞∏àdG á©jô°S OGƒŸG •,(π«µ°ûàdG ,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 •

,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 »à π°UCÉàŸG π∏ÿG hCG (π«dódG AÉØàNG ßMÓjh Ò°ùØà∏d á∏HÉb ÒZ á≤jô£H á©àeC’G ∫GhR ¬H

áeóîà°ùŸGh á°†ØdG øe áYƒæ°üŸG äÉéàæŸG hCG áæ«ªãdG QÉéMC’G hCG DƒdDƒ∏dG hCG ÚJÓÑdG hCG ÖgòdG øe ´ƒæ°üe èàæe …CGh äGôgƒéŸG •á«°üî°ûdG áæjõ∏d

áeÉg á¶MÓe

øµÁ »àdGh ábÓ©dG äGP á°ü«dƒÑdG •hô°Th ΩÉµMC’ ™°†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 ΩÉµMCGh •hô°T ≥Ñ£J*

www.sabb.com ÊhÎµd’G ÜÉ°S ™bƒe øe áÑdÉ£ŸG êPƒ‰ π«ª– ¿ÉµeE’ÉH**

Purchase protection

Summary of benefits

• To insure 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 a valid Primary or Supplementary 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 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

• Jewelry 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

Summary of Cover

äÉjÎ°ûŸG ájÉªM

ÉjGõŸG õLƒe

ó°V ÜÉ`°S øe IQOÉ°üdGh á«µ«°SÓµdGh á«ÑgòdG OQÉc Î°SÉe / Gõ«`ØdG äÉbÉ£H á£°SGƒH ºàJ »àdG äÉjÎ°ûŸG ÚeCÉJ • á«°Vô©dG QGô°VC’G hCG ábô°ùdG hCG ¿Gó≤ØdG

iôNC’G ¿Gó∏Ñ∏d áÑ°ùædÉH Éeƒj 60 ≈àMh ájOƒ©°ùdG á«Hô©dG áµ∏ªŸG »à Éeƒj 30 ≈àM á«£¨àdG Ióe •á«£¨àdG óM

∫ÉjQ 5,000h á«ÑgòdG äÉbÉ£Ñ∏d IóMGƒdG áæ°ùdG »à …Oƒ©°S ∫ÉjQ 20,000 √Qób ≈°übCG óëHh áÑdÉ£ª∏d …Oƒ©°S ∫ÉjQ 10,000 ájÉ¨d •á«µ«°SÓµdG ábÉ£Ñ∏d …Oƒ©°S ∫ÉjQ 10,000 √Qób ≈°übCG óëHh áÑdÉ£ª∏d …Oƒ©°S

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 á«àÉ°VE’G hCG á«°SÉ°SC’G ¿ÉªàF’G äÉbÉ£H ƒ∏eÉM •*áÑdÉ£ŸG ádÉM »à

êQÉÿG »à äÉÑdÉ£ª∏d áÑ°ùædÉH çOÉ◊G ïjQÉJ øe Éeƒj 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 π«ª©dG ≈∏Y Öéjh

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 »à 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 »à ¢†jƒ©àdG ≠∏Ñe ´GójEÉH Ωƒ≤f ±ƒ°S

IÉæãà°ùŸG ™∏°ùdG

¿Éª°†dÉH ≈£ë ÒZ á©∏°ùdG ¿Gó≤a øµj ⁄ Ée ¿Éª°†dÉH ádƒª°ûŸG ™∏°ùdG •äGQÉ¶ædGh á≤°UÓdG äÉ°Só©dG •

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 •ËƒæàdG º≤WCGh ácôëàŸG »°SGôµdG ,õ«cÉµ©dG ,á«YÉæ°üdG ±GôWC’G ,™ª°ùdG Iõ¡LCG

∞∏à∏d á∏HÉ≤dGh á«cÓ¡à°S’G OGƒŸG • »à ΩGóîà°S’ÉH á°UÉÿG ∫É°üJ’G Iõ¡LCG ∂dP »à 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

ájQÉŒ ¢VGôZC’ É¡eGóîà°S’ IGÎ°ûŸG ™∏°ùdG hCG ájQÉéàdG äÉµ∏àªŸG • øe ∫hGóà∏d á∏HÉ≤dG ájQÉéàdG ¥GQhC’Gh ájójÈdG ™HGƒ£dGh ájójÈdG ™aódG ôeGhCGh á«MÉ«°ùdG äÉµ«°ûdGh äÉµ«°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

áeóîà°ùŸGh á°†ØdG øe áYƒæ°üŸG äÉéàæŸG hCG áæ«ªãdG QÉéMC’G hCG DƒdDƒ∏dG hCG ÚJÓÑdG hCG ÖgòdG øe ´ƒæ°üe èàæe …CG hCG äGôgƒéŸG •á«°üî°ûdG áæjõ∏d

iôNC’G á«◊G äÉæFÉµdGh äÉJÉÑædGh äÉfGƒ«◊Gh 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 •

á«£¨àdG õLƒe






















11557 ¢VÉjôdG ,69718 Ü.¢U


2

Charges

























Ωƒ`````°Sô``dG

3







1. Issuing of Cards










the Bank.












of any claims.








4. Credit Limit





5. Fees




6.1 Card Payments:














may decide.

































.∂æÑ∏d


























.ájQÉéàdG


































Ωƒ°SôdG .5


.ôNB’ âbh øe



















































Terms & Conditions.














9. General













Terms & Conditions.





10. SABB AQSAT:







































.ôNB’ âbh























áeÉY ΩÉµMCG .9












.∂æÑdG





































































.∂dP





6 12 24

1,000 2,000 5,000

























11557 ¢VÉjôdG ,69718 Ü.¢U


2

Charges

























Ωƒ`````°Sô``dG

3







1. Issuing of Cards










the Bank.












of any claims.








4. Credit Limit





5. Fees




6.1 Card Payments:














may decide.

































.∂æÑ∏d


























.ájQÉéàdG


































Ωƒ°SôdG .5


.ôNB’ âbh øe



















































Terms & Conditions.














9. General













Terms & Conditions.





10. SABB AQSAT:







































.ôNB’ âbh























áeÉY ΩÉµMCG .9












.∂æÑdG





































































.∂dP





6 12 24

1,000 2,000 5,000




Documents

SABB Credit Card User Guide