Terms and Conditions for

SABB Money Transfer - Visa Direct

1. Definitions:
In these Terms and Conditions, unless the context requires otherwise, references to "we", "us", "our" and "Bank" are to SABB
and references to "you", "your" or "Customer" mean the customer of SABB using the fund transfer service of Visa Direct to an
Overseas Visa Card Remittance Facility.

"Visa Direct to an Overseas Visa Card Facility" or "Facility" means the money transfer facility made available by the Bank to
the Customer in accordance with these Terms and Conditions.

"Current Account" means any SABB current account maintained by the Customer.
"Savings Account" means any SABB savings account maintained by the Customer.
"Recipient Card" means all personal cards bearing the name VISA and/or service mark of VISA and issued by any bank or
financial institution located overseas.

2. You may use the Facility to debit such sum from your Savings Account or Current Account and transfer the said sum to any
Recipient Card.

3. You may transfer to a maximum of SAR 9,375 per transfer (or such amount as the Bank may determine) and the total
amount allowable per day is as per the segment the customer account is maintained in (or such amount as the Bank may
determine) subject to the total cumulative amount of SAR 187,500 per calendar month or twenty (20) transactions per
calendar month whichever is earlier.

For India the regulatory restriction of 3 transactions per 30 days and 30 transactions per calendar year will be applicable.
4. You agree that the Bank shall be entitled to charge such fees as may be determined by the Bank for the provision of the
Facility to you. The Bank shall debit your savings or current account as the case may be for the charges incurred.
Furthermore, the applicable service fee will also be made known to you at the point you perform your transaction.

5. The Bank and/or VISA International Service Association shall effect the transfer of such sum to the Recipient Card in
accordance with the information and/or instructions provided by you, in the currency of the Recipient Card converted from
Saudi Riyal at such prevailing exchange rate on such date as the Bank or VISA International Service Association may
determine at its discretion.

6. You shall ensure that all information and/or instructions provided by you to the Bank for the purposes of effecting any
transfer under the Facility is complete, true and accurate. You further agree to provide such further information that the Bank
may require for the purpose of effecting any transfer.

7. Whilst the Bank will make every endeavour to conduct the necessary verification on any instructions and/or information
received, the Bank may act upon, rely on or hold you solely responsible and liable for all instructions transmitted to the Bank
(whether actually provided by you or not) and the Bank shall not be liable for any unauthorised transactions. You agree that
the Bank may treat the information and/or instructions received as valid notwithstanding any error, fraud, forgery, lack of
clarity or misunderstanding in the terms of such information and/or instructions and you shall fully indemnify the Bank for
any losses or damages or cost (including legal costs on a full indemnity basis) arising from the Bank relying on such
instructions and/or information.

8. Whilst the Bank endeavours to effect the transfer on receipt of your instructions, you agree that the instructions may not be
processed immediately due to:
a. Instructions being inaccurate, inadequate or incomplete in any way; or
b. A failure, refusal, delay or error by any third party through whom any such instructions are transacted.

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9. Where the Bank chooses to act on an instruction, the Bank acts on a commercially reasonable effort basis and is not
responsible for any acts and omissions while acting in a reasonable manner in complying with/acting upon the instructions.

10. You acknowledge and agree that the Bank may:

a. without stating reasons, require that you identify yourself by alternative means;
b. require any instruction to be confirmed through alternative means (including but not limited to by letter, in person at
a branch, by facsimile or by phone);
c. reject any instruction for a funds transfer under the Facility without assigning any reason;
d. decline to act on the instruction in order to verify the authenticity of the instruction;
e. decline to act on the instruction where the instruction:
i) is ambiguous, incomplete or inconsistent with your other instructions, information and/or data; or
ii) may have lapsed or is rendered invalid by the Bank and/or VISA International Service Association (or such other
relevant party); or
iii) would cause you to exceed your applicable transaction or account limit; or
iv) would result in any insufficiency of funds in your Savings Account or Current Account, without incurring any liability
for loss, cost or expense.

11. The Bank shall not be liable to you in any way for any losses, costs, claims, expenses or damages incurred by you in
connection with the Facility unless it is solely attributable to the Bank including but not limited to delay or failure of
transmission of instructions by VISA International Service Association or any other entity involved in the process of the funds
transfer or due to any government order, court order, law, levy, tax or exchange restrictions.

13. The Bank may:

a. withdraw the Facility entirely;
b. terminate the Facility upon the earlier termination of
(i) the Savings Account and Current Account;
(ii) the Recipient Card, without notice and without incurring any liability or responsibility whatsoever by reason of such
withdrawal or termination.

14. You may terminate the Facility at any time by cancelling all the beneficiaries saved on your account.

15. These Terms and Conditions and any variation take effect on the date specified by us. If you use the Facility after such date
you are deemed to have accepted such variation.

16. You authorise or give consent to the Bank, its agents and other persons (who by reason of their scope of work, capacity or
office have access to your account and/or personal details) to disclose any information relating to you and any particulars of
your account(s) for the purpose of processing the transaction and all other purposes necessary and required in relation to the
Facility requested by you herein to any person or organisation participating in the provision of electronic services or such
services in connection with the Facility:
a. the police or any public officer purporting to conduct an investigation;
b. credit or charge card companies;
c. the VISA International Service Association and such other VISA entity;
d. any other bank, financial institution or credit agency for the purposes of verifying the information provided by you;
e. any person or organisation for the purposes of investigating any complaint or dealing with any query relating to provision
of the Facility;
f. any person or organisation in compliance with an order, notice or request of any government agency or authority or
court of law;
g. any person or organisation for the purpose of collecting and recovering for and on the Bank’s behalf any sums of money
owing to us from you;
h. any related corporation of the Bank for Risk Management Purposes for monitoring credit exposures across the
SABB Group or the credit exposure of any SABB Group company to you and for cross-selling purposes within the SABB
Group. "SABB Group" means any subsidiary of the Bank, the Bank’s holding company and any subsidiary of that holding
company. "Risk Management Purposes" includes any conflict clearance exercise;
i. any subsidiary and/or any related company or associated company of the Bank, in any jurisdiction;
j. any Recipient Cards main or supplementary cardholder;
k. any potential assignee or transferee of the Bank’s interest herein; and
l. any person or organisation to which the Bank in good faith deems it reasonable to make such disclosure.

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17. These Terms and Conditions governing the use of the Facility are additional to the Terms and Conditions Governing
Electronic Services, Terms and Conditions Governing Accounts and such other Terms and Conditions intended or expressed
to govern the use of the Facility.

18. These Terms and Conditions are governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia and
grant the Saudi Courts the exclusive jurisdiction to govern any dispute.

19. Queries and Complaints:

a) In the event that you have any queries and/or complaints arising from your transaction, relating to the Terms and
Conditions herein or use of the Facility, you may refer the matter to SABB Customer Care on insert number or (if you are
overseas), submit via the sabb.com website or in writing to the Bank at the following address:

SABB Customer Care, P.O. 9084, SABB Head Office, Riyadh 11413, Kingdom of Saudi Arabia.
b) SABB shall make every reasonable endeavour to respond to the queries and resolve any problems or issues that may be
raised by you;
c) You shall specify the nature of your query, complaint and/or dispute and such other details or information as may be
required by SABB and such complaint and/or dispute shall be handled and/or resolved in accordance with SABB's internal
complaints and dispute resolution procedure.

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