SABB Credit Card User Guide - Log-On (1 - 2) Credit Card User Guide ... Tawarruq mechanism Since SABB Credit Card is based on the Tawarruq concept, the Bank shall carry out a Tawarruq transaction

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SABB Credit Card User GuidefFG S bH GSG dOWelcome to the world of SABB Credit CardsSABB Credit Cards are welcomed at over20 million establishments in the Kingdom and worldwide.Tawarruq mechanismSince SABB Credit Card is based on the Tawarruq concept, the Bank shall carry out a Tawarruq transaction by selling you certain commodities owned by the Bank on a Fudoly basis for the remaining balance of thetotal amount due. This is done in one instalment,for one month starting as of the due date to settlethe Card dues from the proceeds of selling thesaid commodities.1fFG S bH Y `a H kMe SDe e 20 e cCG `a MdG fFG S bH J.dG Mh G `a jQQdG Y dBG bdG e OGd QdG U Y fFG S bH J c `a IOQGdG bdG e ec OGS Y M `ae kS H QdG Y AGLEH dG j H ,GLEG G e J e H kda kH dG SG jQJ e T Je MGh H GG dG e bdG e OGH dGh.dG J H AGL eMore secure with SABB Credit CardsSABB 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.2fFG S bH e cCG eCG H e bh CG e kfeCG cCG cP bH g fFG S bH ,eCGh MGdG e kdY kie aJ dGh bdG fhdEG jdG dd Ie fH g fhdEG jdG `a fG fda e bdG GSG BG j fEa ,dd aVEH .gjhJ j HdG AGLE hCG jG OGd dPh H UG dG bdG S bQ Y Gh bdG J e cCdG j dd .jdG.GG g c e IOSG e J M bdG SG QaHow 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 Direct3fFG S bd S bQ Y ccjGO S Y JG a ,jH hCG IjL bdG fc GPEG d dPh AdG eN Xe J JGh 800 124 8888 dS Hh jQa jH dG bdG Y bdG GSH QGSG G a IO bdG fc GPEG G dG BG GU bCG jW Y bh CG `a dG bdG J eEH cjGO S Y JH hCG S `d HJ How to use your SABB Credit Card atretail 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.4 f ILCG `a fFG S bH J c*jQdG G id dGf RL `a G G `a bdG NOEG FdG Y j .1.dG dG Ia GW dG f RL NGH bdG J CG j .2.FGdG .dG bQ NOEG FdG e j M fG .3Y aGG RG Vj MfGh bd dG bdG NOCG .4.dG aVEH dG jEG NCG ,dG b Y .5.FdG e fFG bdG EG * 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-digit Customer Verification Value(CVV) found on the back of the Card..cdG bdG J Yj dG f RL c M `a a g GSG jW J*Y dG jdG GSG a dG g Yj dG f RL c M `a.WG jdG L e bdG j jWbdH UG dG bdG NOE ffEG T Y FGdG dG :Me.fFG bdG N YGh jdG bQCG KdG NOEG j dP e kHh fFGHow to make your card paymentsYou can pay in Saudi Riyals using one of the following methods:1. Via SABBNET, our Internet Banking Service, at (SABB accountholders only).2. By contacting SABB Direct on 800 124 8888 (SABB accountholders only).3. Through SADAD service using biller ID 029.4. By wire transfer from any bank to your Card number.5. By providing us with standing instructions in writing, to directly debit your SABB current account, to settle your monthly payment due.5bdG ahe jJ `c:ddG dG iMEH OdG jdH jdG bG N e f S jW Y .1.(S HM AY) 800 124 8888 bdG Y cjGO S `H JG .2.(S HM AY) ."029" JG bQ GSH OGS eN jW Y .3.bdG bQ EG G `a NBG H id M CG e jdG .4ITe d FGdG dG eN jW Y kHc eYEG .5.G G QG HM e 6. By visiting any of our branches to make a cash payment over the counter or use a Cash Deposit Machine.7. By writing a cheque* in favour of your card account and handing it over at any of our branches or mailing the cheque to: SABB, Card Products Division, P.O. Box 69718, Riyadh 115576RL GSH hCG dG `a ITe jdGh Yha e CG IQjR .6.dG GjEG ,dG Ia IYGe e bH M dd *T j .7:EG jdH dSQEG hCG ,S ha e a C Jh ,bdG ce ,S 11557 VjdG ,69718 .U *Cheque payments should be received by the Bank 7 days before the payment due dateto avoid the late payment fees.jCG 7 b d dG j CG j ,bdG ahe jd jdG SGH dG SQEG M `a*.NCdG SQ aO d adG SG jQJ ee-statements hdEG G c7e-statements provide flexibility, convenience and securityby enabling you to view your monthly SABB Credit Cardstatement online. You can view up to three of your latest statements by downloading them in PDF format or printingthem 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 for online registration, orcall SABB Direct on 800 124 8888.VGSG feEG N e eCGh fhG hdEG G c ajh .ffEG SGH dG fFG S bH M cVGSGh YW hCG PDF H M hCG G c VGSG.HM c KK NBGY e ,hdEG G c EG Ud:j e JG iS/ c" Y VG K ,f S `a HM EG NOG .1.dG e CG fG `a OLG "GQTEG .FdG e "hdEG c" Y VG .2.VGSG OJ dG dG G c Y VG .3bG IQjR Lj ,f S eN `a J Y M `acjGO S `H JG hCG ,ffEG Y d 124 8888 Y.bJG G dG HdG eg*.NG jG d aJ***The annual percentage rate (APR).**To be paid to certified charity organisations.SABB Credit Card charges fFG S bH SQ8Annual fee Gold VISA/MasterCard Card SAR 350Annual fee Classic VISA/MasterCard Card SAR 225Revolving credit - on monthly outstanding balance* 28.68%(based on transaction date)Lost Card replacement SAR 100Late payment** SAR 100Copy of the sales voucher or statement SAR 25Cash advance (on withdrawn amount) SAR 100Hotel/airlines/cars vouchers copy SAR 100S .Q 350 gdG OQcSe / G`a bd dG ``SdGS .Q 225 SdG OQcSe / G`a bd dG ``SdG%28.68 *G G Y QhG UdG dY(dG jQJ Y kAH)S .Q 100 ba H bH QGUEG S.Q 100 **OGdG NCJ SQS .Q 25 G jG / G c e fS.Q 100 (G G Y) jf SS .Q 100 GQdG LCJ / OdG / GdG G jG e fAdditional benefitsShare the privileges with your familyIf you wish to extend the benefits of your Card to yourfamily and share its privileges, you can apply for free Supplementary Cards. Applicants must be over 15 years of age Monthly spending limit can be specified for each Supplementary CardTo apply, please call SABB Direct on 800 124 8888.For your protectionIf you lose your Card, you should immediately inform SABB through one of the following channels*: SABB Direct by calling 800 124 8888 within the Kingdom or +966 11 440 8888 from abroad Send the request to the fax number +966 11 402 63759aVEG Gekf fFG S bH jGe FY QT,bdG jY d gaJ dG aG e IOSG SJ `a ZQ GPEGY G jW Y bdG GReGh FGa cQe FY eEa.kf aVEG bHkeY 15 Y G Y j CG j e d dG FG G j .800 124 8888 Y cjGO S `H JG Lj ,eG H djiMEG jW Y ITe S HEG Y Lj ,bH Ga Y:*ddG FSdGG NGO e 800 124 8888 Y JG jW Y cjGO S G QN e +966 11 440 8888 hCG +966 11 402 6375 bQ cdG Y dG SQEG *Transactions that happen before reporting the lost Card will be charged to the customer. .fGa Y HEG jQJ b bdG Y IQOdG dG ac dG j*Cash facilitiesThere 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.10dG dG.LQN hCG G NGO AGS j Ggh ,d a bhCG g feEG fFG OQcSeh Ga S bH d J bd FG G e %50 M dG dG de SDe 250,000 e cCG N e dPh fFG `a BG GU RL 1,000,000 e cCG EG aVEG.dG Mh GCard Service CentresA network of dedicated Card Service Centres offersservices such as card delivery, card replacement, card activation, re-printing of Card statements, reissuing of ICSABB certificates, advice on due amounts andmany other convenient services.Card Service Centre locations: Central Region: Riyadh, Al Warood Branch, King Abdulaziz Street Western Region: Jeddah, Al Khaldiyah Branch, Prince Sultan Street Eastern Region: Khobar, Al Agrabiah Branch, Makkah StreetbdG eN cGe eN J dGh fFG S bH AY e cGe T g IOYEG ,bdG J ,bdG GSG ,bdG J e Ye G dG Y SG ,"cEG" Fbh HG c YW.IG eG e gZhbdG eN cGe bGejdGY G QT ,OhQdG a ,VjdG :SdG G S eCG QT ,jdG a ,IL :HdG G e QT ,HdG a ,G :bdG G 1112ICSABB Rewards ProgrammeICSABB is a unique loyalty programme that rewards you forusing SABB Credit Card. We offer one ICSABB point for every SAR 10 spend on your SABB Credit Card (cash advances and SADAD transactions are excluded). Once you collect 1,000 points (equivalent to SAR 100), you will be able to redeem the points instantly by swiping your SABB Credit Card at the Point-of-sale machine installed at the cash counter against free purchases at a wide range of merchant partner outlets Kingdom-wide. The amount can be redeemed in multiples of 100.You may also use ICSABB points to pay your SABB CreditCard Annual Fees and benefit from a special discount. Forthe latest ICSABB offers and updated list of participating merchants, please visit our website orcall SABB Direct on 800 124 8888.Bad "cEG" efH S bH eGS aj ja Bae efH Y IQY g "cEG" efH Y J jQ 10 c He IMGh "cEG" f S .fFG 1,000 eYh ,(Ie OGS Yh jdG dG) fFG bH `a fFG bH j N e QdG Y dGSG e J S ,f id f jc dPh dG f id TdG `a cJ dG ILCG dGSG dG G .G M cQG jQdG G e Ic Y.JYeh jQ 100 gY G jdG SdG ad "cEG" f GSG kjCG cVhY NBG Y d .UG SdG e IOSGh fFG bHbe IQjH GJ ,cQG jQdG G Fbh "cEG" efHY JG hCG hdEG S.800 124 8888 cjGO SNote: 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.jQdG G Y fFG S bH eM HEH dG j be eG VhdG Y CGJ b jJ CH hCG gDhdEG hCG aVEG j dG.dG gQj dG jdH cQG LGFree Credit ProtectionSABB provides you peace of mind with our free of charge Credit Protection feature, it takes care of the burden of your loved ones in the unfortunate event of your total and permanent disability or death by settling the total outstanding balance of your Credit Card. What's more, there are no additional monthly charges levied on you to benefit from this feature.SABB is also proud to be the first bank in the Kingdom to provide such a service absolutely free of charge to its customers.13kf fFG jM,GG fFG dG efH e dG MGQ S dG dG hCG IadG dM `a FMCG Y dG AYCG j a bH UQ Y edG eCdG dG aJ N e FGdGhH kf eG g Y S dP EG aVEG .fFG.jT aVEG SQ CG kf eG g Fd j G `a H hCG fH S j.SQ CG hH14Limit of protection 100% of outstanding balance up to SAR 50,000 (Classic Credit Cards)* 100% of outstanding balance up to SAR 75,000 (Gold Credit Cards)*In the event of a claimJust call the SABB Takaful Service Centre on800 126 0006 and submit the relevant documentswithin 60 days of the incident.fFG dG OhMM dG fFG bdG UQ LEG e %100 *(SdG bdG) OS jQ 50,000 dG fFG bdG UQ LEG e %100 *(gdG bdG) OS jQ 75,000 M dG dM `abQ JdG Y aJ S eN c JG iS Y eKOG jQJ e kej 60 N eRdG GG Jh 800 126 0006*Credit Protection is limited to an aggregate of SAR 100,000 on all types ofCredit Cards held by the Primary Cardholder.bdG GfCG ac Y OS jQ 100,000 LEG fFG dG J*.dG j dG fFG15SABB Credit Protection - exclusions GASG - FG S jM 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 Participants 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 diseaseS 64 Y jJh S 18 Y gQYCG J jdG SSCG fFG bdG eM :JBG J b IG VjdG .N hCG eBG Z f hCG ,He ,VjQ jCG Y QdG hCG `a cQG dEG ...TGQdH dGh ,ddH GdG ,YGdG GdG ,G GdG keT G GdG e f CG .1dEG ...dG cdG ,dG dG ,G Y ddG e jdG VjdG .2dEG ...dG ,cH ddG ,AG Y ddG ,QGdG bS e FG VjdG .3dEG ...dG ,ddG ,dG ,dG e G cQ Wf .4dEG ...H dGh dG ,dG SG ,QdG J ,G J e dG Wf .5.dG aG hCG dGdG AGS cd S CG `a cQG .6.dG a e a CG hCG ,YQG ,JGQdG ,cG ,hOG VjQ .7.JG e H dG .8c AGS dH dh CG hCG d dG H j dG HUEG hCG JGdG iPCG hCG QfG dh ,QfG dP Z hCG kbY d eDG fdG b e dG be HT eh GQG hCG ,dG KCJ dG dP e dG j dh M fd d Y CH dG Y IYG hCG dG dh hCG dG VG hCG HUEG `a eCd HdG G MQ `a dG ae Q Qe `a kGae dG a j dG dG Y GY MG Neh dh ,e Y ,O ,HGVG ,IQK ,gCG M ,(e Z hCG e fc AGS) M `a dG cQe H cQG fc AGS Y a Y CG hCG ,jY/HM YCG ,Ub ,HgQEG YCG ,jY YCG AGS dH bY d hCG ,M hCG ,Fc ,hf QfH bY d hCG ,H hCG Y f ,Te Z hCG Te SJ Ve CG hCG RjCH ihdG e c hCG jM J Protection ShieldPurchase protectionYour SABB Credit Card purchases will be automatically insured against loss, theft or accidentaldamage of up to SAR 20,000.Baggage protectionIndemnity of up to SAR 6,750 for checked-in personal baggage if delayed, lost, stolen or destroyed duringthe journey.jG QOjG jM hCG GdG V J S fFG S bH Y jG L.OS jQ 20,000 M VQdG QGVCG hCG bdGeCG jM eCG Y jc OS jQ 6,750 EG j e Y S.dG AKCG d VJ dG hCG GdG hCG NCdG Y dG16For more information, please call SABB Direct800 124 8888 / +966 11 440 8888 / / +966 11 440 8888 / 800 124 8888cjGO S `H JG Lj ,eG e jG Y dPurchase protectionSummary 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 worldLimit 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 claimEligible persons Holders of valid Credit Cards issued by SABBIn 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 requestedSABB will credit the value of purchase to your Credit Card with a fee of SAR 150 deductedper 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 childrenSummary of coverjG jMjGG LeGdG V `S e IQOdGh SdGh gdG OQcSe / G`a bH SGH J dG jG eCJ VdG QGVCG hCG bdG hCG iNCG Gd dH kej 60 Mh jOdG HdG G `a kej 30 M dG Ie dG MgdG bd IMGdG dG `a OS jQ 20,000 Qb bCG Hh dd OS jQ 10,000 jd SdG bd OS jQ 10,000 Qb bCG Hh dd OS jQ 5,000h de c Y OS jQ 150 Qb SQ j eCdG Y j jdG UTCGS e IQOdGh G jQS FG bH eM *dG dM `a dd dH OG jQJ e kej 30 Nh G NGO dd dH OG jQJ e jCG 7 N JG:ddG GG e Jh **dG P J dG Y jh QG `a AGdG jEG UCG G c e IQU AGdG IQJa e IQU dG Ga / J S dG hd ec Uh d G dG / bdG / GdG dM `a WdG jJ UCG dG Y IQG dG .de Sc OS jQ 150 e bf fFG bH M `a jdG e GjEH f SIG dGdH e Z dG Ga j e dH dG dG GQdGh UdG SdG GWCG ,dG ILCG G G S Y Jh iNCG dG IYG FShh YdG SCG WCG dG WCGh cG SGdG ,cdG ,YdG d HdGh cSG OGG GSH UG JG ILCG dP `a ) GQGcEGh ILCG hCG Jc hCG jQdG LGQdGh GQdG GFdGh QGd IG PdGh ,GFdGh QGdGh FGdG LGQdGh (IQdG `a jQ VGZC eGS IGG dG hCG jQdG G HdG jQdG GQhCGh jjdG HGdGh jjdG adG eGhCGh MdG dGh dGh jdG GQhCGh dG YG Z dG QMCGh fc kjCG bdG hCG GGh IQOdG fG dG ,FdG ,f CG e hGd dG e YG G hCG dG QMCG hCG DdDdG hCG JdG hCG gdG e e e CG hCG GgG dG jd eGh iNCG G FdGh JdGh (dCG Zh e dCG) fGG ,TG WCG hCG LhdG hCG hd eG G ASH jNBd IG hCG YG G dG LeBaggage protectionSummary of benefitsEligible personsHolders of valid Visa/MasterCard Gold and Classic Credit Cards issued by SABB, their spouseand 3 children up to 18 years (23 years if in full-time education).Insured journeyIn 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 allowanceIndemnity 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 allowanceIndemnity for checked-in personal baggage lost, stolen or destroyed during an insured journey.Limit of indemnityDelayed baggageUp to a maximum of SAR 938 for Cardholder or SAR 1,875 for Cardholder and family*.Lost baggageUp 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**. Exclusions Travelled on a non-commercial carrier or ticket was not purchased using SABB Credit Card Hand (cabin) baggage Loss caused by or resulting from breakage of brittle or fragile articles Loss as a result of the Cardholders negligent acts or omissions Automobiles, automobile equipments, boats or other vehicles or conveyances, trailers, motors, and bicycles Household effects and furnishings, antiques and collectors 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 jewelleryImportantThis summary is issued for the Cardholders 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.eCG jMjGG LeeCdG Y j jdG UTCG OhCG 3h LhdG / hdGh ,`S e IQOdG G jQS SdGh gdG OQcSe / G`a bH eM.(ec GhH SGQdG M `a S 23) S 18 Y M seDG MdGd dH bdG eM b e YaG dG bH b LEG j CG j eDe MdG J d gdG OQcSe / G`a bH Y b b bdG g e aGG jNBG eDG UTCdh.G jQS SdGheCG NCJ jJ GdG N IY Jh eSG j dGh dG eCG dM `a FQdG jG f jJ SSCG HG Jh .OG dG EG bdG eM Uh H YS 10 N UJ `a Jh jQdG.a dG jdG eheCG Ga jJ.Y eDG S AKCG J dG hCG bhG hCG IOG dG eCG b jJjdG OhMeCG NC`J.*FYh bdG e OS jQ 1,875 hCG bdG e OS jQ 938 EG JeCG Ga.*FYh bdG e OS jQ 6,750 hCG bdG e OS jQ 3,375 EG J de OLh dM `a dH OG e kej 60h NGdG d dH OG e kej 30 N dH N KEG J j.**HG GGh JGdG keT hdG dGASGfFG S bH SGH IcdG AGT j M `a hCG Q Z bf e j dG dG IFdG IQe NGO EG e aG gNCj dG eCG d HdG hCG dG OGG Y dG hCG H j dG FG CG hCG gEG H bdG eM Y dG FG LGQdG ,cG ,GQG ,iNCG HdG hCG QGdG ,GQdG Ge ,GQdG (IG PdG J) jGc j dG dG ,jKCG dG ,G KCG dG GhOCG ,SCG QL ,YUG dG ,UdG SdG ,dG GQdG ,dG GQdG dG UdG ,jdG YdG GWCG ,IYG CG e hGd HdG jQdG GQhCG ,YGfCG H cGdG ,MdG dG ,fFG bdG ,JG M `a eh dG ,dG ,dG QMCG ,FdG ,f OY ,fdG ,fhdEG dG Ge J hCG T AGS XdH bY d dG hCG aGMG GG GH hCG BG SG fGG ,JdG cSG OGG dG jS OGG ,dG ,dG j) dG ,aBG ,SG AS ,GG Y dG QdG hCG bd J dg j d ,eM CG b e IQOG ,gQEG ,(OdG hCG MG c) fc f CG e GhGdGh hG ,(dG OdG dG hCG cBdG ,ffdG Z aCGh WdG Y dG FG ,HG dG ,eY S hCG GdG ,(RdG hCG UYCG ,fdH IOh Zh J) dG OGG ,YTEG dG ,dGh G hCG (ddG ANG Mjh d Hb Z jH eCG GhR H j edG GdG) edG eCG hCG dG `a UCG dG e YG G hCG dG QMCG hCG DdDdG hCG JdG hCG gdG e e e CGh GgG dG jd eGh eg Me bdG GP ddG MCGh hT jh .eCJ Y j h ,a bdG eM WME G Gg QU ee ddG Y jJ hCG G jCG Sh .`S id dG M e IQU Y WG dGh.bdG e e QNEG hH*Terms and Conditions apply.**Claim form can be downloaded from our website .ddG MCGh hT J* hdEG S be e dG P eEH**


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