1-1 These provisions for enabling the use of Mada Cards on third-party payment platforms ("Terms of Use") apply when the client uses Mada Card for payments made through third-party payment platforms and technologies.

1-2 For the purposes of these Terms of Use, the following definitions apply:

1-2-1 "Devices" means a mobile phone, tablet, smartwatch or other device that is compatible with the Third-Party Platform (as defined below) and which the Bank determines is eligible to register Mada Cards for use through such Third-Party Platforms;

1-2-2 "Passcode" means the secret code required to unlock the Device and/or access the Third-Party Platform on the Device; and

1-2-3 "Third-Party Platform" means any web-based or mobile payment system and/or e-wallet service created by a third-party that enables the client to add credentials of Mada Card to make payments for purchases at merchants and payment acceptance portals that accept payment through those platforms.

1-3 The customer agrees, in exchange for being granted access to the third-party platform, to comply with these terms of use. The customer must also accept these terms of use to access the relevant third-party platform through the STC Bank application. By accepting these terms of use along with the provisions of the agreement or any notifications received through the bank's digital channels, the customer acknowledges that they have reviewed these terms as a legally binding agreement between themselves and the bank, understand them, and agree to abide by them.

1-4 These Terms of Use shall apply in addition to the terms of the Agreement and the Payment Card Terms.

2-1 The client is solely responsible for maintaining the physical security of the device and the confidentiality of the following:

2-1-1 Lock the device, PIN, passcode and other means necessary to access the Third-Party Platform;

2-1-2 The client's Mada card credentials; and

2-1-3 Any personal or other payment information recorded on or for the device.

2-2 When exchanging the device and/or means of accessing it with any person, that person may be able to use Mada cards and access personal and payment information available on the third-party platform. Therefore, the client is required to maintain the security of the device, passcode and credentials in the same secure manner as he would with cash, cheques, debit cards, credit cards and other PINs and passwords.

2-3 The third-party platform offers the client another way to carry out purchases with Mada card, and the terms of the agreement and that of the payment cards remain the same when linking Mada card to a third-party platform.

2-4 Any applicable fees and commissions on Mada card are applicable when the client uses Mada card through the third-party platform, and the third-party platform provider and other third parties such as data service providers may impose additional fees on the client as determined by those third parties, and the bank does not bear any responsibility for such fees.

2-5 The client may link Mada card to a third-party platform by following the instructions of the platform provider. While The client may only use Mada cards that the bank indicates to the client to meet the conditions for use on the third-party platform. When a client adds Mada card to a third-party platform, the platform will allow the client to use Mada card to conduct transactions on goods and/or services in which the third-party platform is accepted as a payment method. The Bank can also ban the use of Mada card through the third-party platform at any time. The client hereby agrees and undertakes not to communicate with the Bank except in the event of any problem, and not to communicate with any external platform, unless the Bank directs the client to do otherwise in writing.

2-6 In case of breach of device confidentiality, the Bank shall not be liable for any Fees, or costs, losses or damages of any kind arising in any way from such breach. The client shall notify the Bank immediately if the passcode is compromised or if it is disclosed to any other person or entity. The client should ask the bank to block the Visa card due to such disclosure or hack.

2-7 In case of fraud, loss or theft of the device, the client is obliged to notify the bank immediately and the bank will work to stop Mada cards. The Bank reserves the right to refuse to authorize any transaction if it is suspected of violating the terms of use or in case of fraudulent or irregular activity in relation to Mada cards.

2-8 The Bank may, with the consent of the client, keep records of the client's activity on the Third-party platform including the latest transaction data, and the Bank may periodically collect and use technical data and related information (which does not reveal the client's identity) as a result of the client's use of the Third-party platform including but not limited to technical information about the client's device. The Bank may also use this information to develop its products or to provide services or technologies. As the Bank may Provide client Data to third parties who perform services on behalf of the Bank and then may contact those third parties on behalf of the Bank to maintain the client's account.

2-9 The client acknowledges, by registering, adding and using Mada cards on the third-party platform, that certain information stored on the client's device related to Mada cards may be transferred to a Third-party platform provider and/or a third-party system working with the Third-party platform provider for purposes related to the platform. As the client acknowledges that this information may be used by the Third-party platform provider and/or a Third-party working with such a party. The Bank assumes no responsibility and will not have Any control regarding the privacy, protection and security of personal data and the security of information provided by the client to the Third-party platform Provider which is governed by the Privacy Policy and any agreement you enter into with the Third-party platform Provider.

3-1 The client is only licensed to use the Virtual Payment Card in accordance with these Terms of Use. While the Bank reserves all rights that it has not expressly granted to the client.

3-2 The client hereby grants a limited, non-exclusive, non-sublicensable and non-transferable personal license to install and use security codes and other credentials associated with Mada Card to make payments by the Device on the Third-party platform provided that this is in accordance with these Terms of Use. As the license's use is limited to any device owned or controlled by client as authorized by any applicable external agreements.

3-3 The client is not allowed to renting, lending, selling, redistributing or sub-licensing any right to use the credentials of any card on the Third-party platform.

4-1 The client's use of the Third-party platform is subject to the terms and conditions imposed by the Third-party and the Bank shall not assume any responsibility or liability to the client arising under the agreement entered into by the client with such Third-party. It is the client's responsibility to read and understand any external agreements before adding, linking or using Mada Card via the Third-Party Platform.

5-1 Except for liability which cannot be excluded under the laws of KSA, the Bank shall not be liable for any loss incurred by the client as a result of his use of the Third-party platform unless such loss is a direct result of gross negligence and/or willful misconduct by the Bank.

5-2 The Bank is not the provider of the Third-party platform and is not responsible for providing the platform service to the client. The Bank's responsibility is limited to providing information in a secure manner to the Third-party platform responsible for allowing the use of Mada cards on the third-party platform.

5-3 The Bank is not responsible for the disruption of the Third-party platform or the inability to use it in any transaction. The Bank is not responsible for the performance or non-performance of the platform provider or any other third parties under any agreement entered into by the client with the platform provider or any other third parties.

6-1 The Bank has the right to suspend or terminate the Customer's use of Mada Cards on the third-party platform with immediate effect if the Customer violates these Terms of Use, the provisions of the Agreement or the terms of payment cards, in which case the Bank shall notify the Customer accordingly.

6-2 The Bank has the right to suspend or terminate the Customer's use of Mada Cards on the Third-Party Platform under the following circumstances and will provide the Customer with notice where reasonably possible:

6-2-1 as a result of any act or omission of the third-party platform provider including suspension of the third-party platform, breach of customer (cardholder) data or other security breaches; and

6-2-2 Suspension or termination to comply with the regulations to which the Bank is subject or applicable orders issued by the relevant regulatory authorities (including the Saudi Central Bank).

6-3 The customer has no right to change these Terms of Use. The customer can terminate the link between their Mada card and the third-party platform at any time by removing or unlinking their Mada cards from the respective platform. The Bank's customer experience team can support the customer in this regard as needed.

6-4 The Bank may amend these Terms of Use at any time by posting a revised version on the Bank's Digital Channels, and the Bank will notify the Customer of such changes thirty (30) days prior to their effective date. The Customer accepts and understands that it is the Customer's responsibility to refer to the updated version of the Terms of Use via the Bank's Digital Channels. Subject to these Terms of Use, the Agreement and the Payment Card Terms, the Customer may terminate these Terms of Use if the Customer does not agree to any amendment or change notified to the Bank by informing the Bank of his intention to terminate within thirty (30) days from the date of receipt of any notice of amendments or changes which will result in the cancellation of all services related to the Terms of Use without prejudice to other services not related to the Terms of Use.

1-1 At the client's request, the Bank shall issue a Virtual Payment Card to the Bank, which shall be subject to the client's activation by creating a password ("PIN") via the STC Bank App or any digital way specified by the Bank (the "Digital Channels"). Provided that the Client has a valid and active Current Account.

1-2 The client may request the Bank to issue a physical payment card, and activate his physical payment card by logging in to the Bank's digital channels and entering the last four (4) digits of the physical payment card number. As Visa physical cards remain a private property of the bank.

1-3 The bank provides the client with Visa card to deal with ATMs and POS systems bearing the bank's approved logos in addition to any other services provided by the bank. In addition, Visa card can also be added to digital wallets that are subject to the terms and conditions of the wallet to which Visa card is added. As Visa physical cards remain a private property of the bank.

2-1 Visa Cards shall be issued with a validity period of five (5) years from their issuance, unless otherwise indicated on Visa Card. The Bank has the sole right to automatically renew the term of any Visa cards at its sole discretion. In the event that the client does not wish to renew Visa card, the client can cancel it before renewing in accordance with the terms of these payment cards. The expiry of Visa card does not affect the validity of any pending transactions before the expiry date.

3-1 The Bank may, at the request of the client, issue one or more additional payment cards ("Additional Payment Cards") linked to the client's Account. These Payment Card Terms shall apply to the use of any additional payment cards and the term "Visa Card" where applicable shall include reference to additional payment cards.

3-2 As the client holding Visa Major Payment Card, he is solely responsible for all obligations arising from the use of the additional payment card including any outstanding and unpaid balances that may arise on the additional payment cards.

3-3 Without prejudice to any of the Bank's other rights set forth in the terms of the Agreement, the Bank may, without infringement, negligence, or default for its part, cancel any additional Visa cards at any time and request the refund or destruction of Visa additional cards if the additional payment card is physical.

4-1 The client has the right to cancel their Visa card without fees. For the avoidance of doubt, any fees charged for the issuance of a Visa Card shall remain final and non-refundable in the event that the Client cancels Visa card in any event (whether early or otherwise).

4-2 The Client shall have the option to cancel Visa card at any time via the Bank's digital channels or by communicating with the Bank using the contact information specified in clause 11-11 of these Payment Card Terms.

4-3 The Bank may terminate the Terms of these payment cards and, further to that, cancel Visa cards at any time by providing prior notice to the client within thirty (30) days, provided that the Bank shall specify the reason for that termination without infringement, negligence, or default for its part.

4-4 Upon termination of these Payment Card Terms, all outstanding amounts owed by the client in respect of any related Visa cards shall become immediately payable to the Bank.

4-5 If the client becomes bankrupt or insolvent, all outstanding amounts due on Visa cards shall become immediately payable under the Terms of these Payment Cards and any holder of an additional Payment Card shall immediately cease using them and return them to the Bank.

4-6 The client may cancel Visa Card without any fees through the Bank's digital channels or by contacting the Bank using the contact information specified in clause 11-11 of these Payment Cards Terms, provided that the client returns all additional Cards to the Bank or destroys them in case he has physical Cards. These Payment Card Terms shall remain in effect with respect to cancelled Additional Payment Cards until the amounts due on all Additional Payment Card Transactions are paid to the Bank.

4-7 In the event that the client fails to comply with the Terms of these Payment Cards, the Bank may terminate the Payment Card Terms.

5-1 The Bank may, upon the client's request, issue a new alternative Visa Card to the client in any of the following cases:

5-1-1 If the client reports that the physical payment card being lost, stolen or damaged.

5-1-2 If the card is suspended due to suspicion of a scam or suspicious transaction.

5-1-3 If the virtual payment card is accessed or used by someone other than the client without any fault of the client.

5-1-4 If Visa card specified in clause 2-1 of these Payment Card Terms expires.

5-1-5 As a result of any technical, operational or technical improvements (including system improvements).

5-1-6 To comply with the laws, requirements or regulations in force in the Kingdom of Saudi Arabia.

5-2 In the event that the client's Visa Card is lost, stolen, damaged, or subjected to unauthorized access or use by third parties, the client shall notify the Bank immediately through the Bank's digital channels or by contacting the Bank using the contact information specified in clause 11-11 of these Payment Cards Terms, provided that the client shall be responsible for the transactions made using Visa Cards prior to notifying the Bank in accordance with this clause.

5-3 The client has the right to accept or reject the substitute or the new Visa Card which issued to them in accordance with clause 5-1 of these Payment Card Terms, but will be deemed to have accepted it in the following cases:

5-3-1 The client does not expressly object to any new or replacement Visa Card within two weeks from the issuance date of the new or replacement Visa Card; or

5-3-2 at Activate Visa card according to the bank's requirements or use the alternative/new Visa card to carry out transactions from the client's account.

6-1 The client will refrain from allowing any other person to use Visa cards and will also be obligated to protect Visa cards and any PIN related to them at all times and keep them at his personal disposal.

6-2 The client shall notify the Bank immediately if he becomes aware of any disclosure or declaration of the client's Visa Card data or the access of any Third-Party to it.

6-3 The client shall keep his/her contact details up to date and notify the Bank immediately of any change thereto.

6-4 The Bank assumes no responsibility for the refusal of any merchant or supplier to accept Visa cards, nor any liability of any kind for the goods and services provided to the client, as well as the client shall communicate with the merchant or supplier directly to resolve any issues related to the goods or services provided to the client.

6-5 The client is not authorized to use Visa cards for any non-legal purpose including the purchase of goods or services prohibited under the laws of the KSA. In case he uses it for an irregular purpose, the bank has the right to cancel Visa cards and any additional cards, additionally the client shall pay all due amounts immediately.

6-6 The client shall not exceed the payment limit set by the Bank as per clause 7 of these Payment Cards Terms.

6-7 The client agrees not to use any claim; he may raise against a supplier as a basis for settlement or counterclaim against the Bank.

7-1 The payment limit for all Visa cards linked to the client's account is the available balance in the client's account and the client shall comply with this limit at all times. This limit is subject to change from time to time at the request of the client and at the sole discretion of the Bank. The client can always check his available balance by logging in to the digital channel. In addition, each payment card may have a range, according to their type and advantages, certain limits as clarified by the Bank to the client regarding the characteristics of each Visa card (e.g., ATM withdrawal limit, merchant exchange limit), and the client shall understand and recognize these limits when ordering or activating Visa cards.

7-2 The client can view statements through the Bank's digital channels as well as transactions' summary related to his Visa card(s).

7-3 Upon completion of any payment or cash withdrawal from ATMs using his/her Visa Card, the Bank will collect such amounts through automatic debiting from the client's account for each transaction.

7-4 In the event the balance in the client's account is not sufficient to pay the full Visa card fees for any reason, the bank will not complete a payment or withdraw cash from the ATMs.

7-5 The client acknowledges and agrees that failure to receive a statement of account shall not relieve the client of its obligation to pay amounts due on its Visa cards to the Bank. The client can find out the amounts due on Visa card by accessing the bank's digital channels. In the event that the Client does not approve any amount calculated on his Visa card as specified in the statement of account, they shall notify the Bank thereof within 30 days from the date of listing such transaction on the statement of account; and in the event that they fail to notify the Bank, the Bank shall have no liability if the transaction relating to such issue is not successfully settled with the bank processing such transaction.

7-6 The Bank may, at any time, upon its sole discretion, without prejudice to the relevant laws and regulations, refuse to confirm the payment transaction from the client to a supplier or withdraw cash by ATMs and/or restrict or postpone the client's ability to use Visa Card(s) and/or suspend or cancel it (them).

8-1 The client is required to pay non-refundable fees, such as annual fees (if applicable), fees for upgrading Visa card category, and any commissions for additional services based on the fees displayed through the bank's digital channels and those specified in the applicable payment card terms. These fees and commissions will be directly deducted from the account. The non-refundable annual (or monthly, if applicable and excluding any taxes) fee for each Visa card is as specified below:
Visa Card

8-2 The Bank has all the right to amend commissions, fees or any other condition prescribed under these Payment Cards Terms from time to time at the Bank's discretion and in accordance with the bank tariff determined by the Saudi Central Bank from time to time. Any changes or amendments shall become effective and binding on the client within 30 days from the date the Bank notifies the client of such amendments (unless otherwise expressly specified by the laws and regulations). The client's use of Visa card after the effective date of any amendments to these Payment Card Terms shall constitute the client's unconditional acceptance of such amendments.

8-3 Whenever the client does not wish to accept the amendments or changes in commissions and/or fees notified by the Bank in accordance with clause 8-2 of the above Payment Card Terms, the client may terminate the Payment Card Terms in accordance with clause 11-1 of these Payment Card Terms above.

8-4 The Fees' Schedule (excluding any taxes) below applies to transactions made using your Visa card:

*Of the transaction total value and in accordance with paragraph 8-5 below

** Fee to be applied with effect from September 1st 2025

8-5 International Transactions: The value of all transactions executed through the client's Visa Card will be deducted from the client's account in the account's currency as indicated by the Bank, While Visa Card transactions executed in currencies other than the currency of the client's Account will be debited from the client's account after being converted to the currency of the client's Account at the exchange rate determined by the Bank from time to time. Concerning all transactions executed or contracted in currencies other than USD may first be settled in USD and then converted into the currency of the client's account and settled. The client understands and agrees that international transactions conducted using his Visa card are a service provided by the Bank and this service may be discontinued or restricted at any time by the Bank at its sole discretion. The following example illustrates the mechanism for calculating currency conversion, the exchange rate, and any applicable fees:

9-1 The client's liability for unauthorized use of Visa cards is limited to the following:

9-1-1 If the unauthorized use is: (1) Usage of physical card due to loss or theft or (2) Usage of virtual card due to unauthorized access to the virtual payment card by a Third-Party, the client's liability before informing the Bank of the loss or theft of Visa card shall not exceed the available balance in the client's account or the value of unauthorized transactions made on the account, whichever is higher at the time of the card loss or theft; and

9-1-2 The client does not assume any responsibility for any unauthorized transactions made using Visa cards after reporting them to the bank if the following conditions are met: (أ) if the client promptly and without delay notifies the Bank in accordance with clause 5-2 of these Payment Card Terms; and (ب) If the client exercises precautionary measures to protect Visa cards from loss, theft or unauthorized use.

9-2 If the client notifies the Bank of the unauthorized fees and commissions charged on their Visa cards, the bank will ensure that the necessary investigations are conducted to determine the responsibilities and obligations. The client is required to provide the necessary information and documents to assist in the investigations as requested by the Bank. In addition, the bank will provide the client with a reference or transaction number at the time of reporting the loss, theft or unauthorized use of Visa Cards.

9-3 After the Bank receives the notification of the loss or theft of any Visa Card, the Bank will in turn block Visa Card. As the client will no longer incur any further liability, provided that the client acted in good faith and exercised reasonable care necessary to protect their Visa Card, unless the Bank proves that the client acted in bad faith. In case the client retrieves Visa Card, he must inform the Bank, inform the police and immediately deliver Visa Card Refunded to the bank for destruction. The client is prohibited from attempting to use any Visa card that has been reported lost or stolen.

9-4 The Terms of authorization and indemnity set forth in this clause shall remain in full force and effect unless and until notice of termination by the client is received by the Bank, and the Bank has a reasonable time to act upon it, in accordance with the conditions set forth in these Terms, provided that termination shall not relieve the client of any obligations under such authorization and indemnity in respect of any action taken prior to the expiry of this period.

9-5 The Bank shall not be liable for any loss or damage arising directly or indirectly from any defect/malfunction of Visa Card arising from the client's misuse, insufficient funds therein or any other reason whether under the control of the Bank or not, unless such loss or damage is due to direct and actual negligence on the part of the Bank.

10-1 The Bank may from time to time in its absolute discretion advertise cashback or Qitaf Points programs (each a "Program") for certain transactions made via the client's Visa cards or via certain types of Visa cards (each a "Eligible Transaction"). The Bank may, at its sole discretion, limit and/or change the cashback or Qitaf Points eligibility of each program to selected categories of merchants.

10-2 The client may choose one of the programs that the bank makes available to him/her from time to time

10-3 The terms set out in this clause shall automatically apply to such programs in addition to the special terms and conditions of the programs as may be announced by the Bank from time to time.

Eligible Transactions

10-4 Eligible transactions that may be determined by the Bank for each program do not include any of the expenses or fees of Visa cards (if any), reversed transactions from merchants, foreign currencies, money orders, interest, unauthorized or fraudulent transactions, or account fees of any kind (if any).

10-5 Cashback does not apply to transactions that the client subsequently cancels or returns purchases for a refund, in which case the bank has the right to reverse the cashback.

10-6 The Bank may from time to time in its absolute discretion change the mechanism for receiving cashback and redemption ratios for any Eligible Transaction.

Cashback Payment

10-7 The cashback shall be calculated automatically in the amount or at the rate determined by the Bank for each program. The cashback shall be provided by the Bank without affecting any offers made by the merchant or supplier, unless the terms of the program stipulate otherwise.

10-8 Subject to the Terms of each program, the Bank will pay the client for the cashback earned on any Qualifying Transaction by crediting it to the client's Account within thirty (30) days of the date of completion of the relevant Qualifying Transaction, provided that the Account is valid and active. Earned cashbacks will also appear on the client statement available via digital channels.

10-9 Since the cashback consideration is payable within thirty (30) days from the date of the Eligible Transaction, in the event of account closure or cancellation of Visa card associated with the cashback prior to the deposit of the cashback consideration to the account, the Client will forfeit the earned cashback that was not credited to the account during the prescribed period. The accumulated cashback shall be cancelled; however, it may be returned at the absolute discretion of the Bank.

10-10 Any eligible transactions refunded to Visa card do not receive a cashback, and the cashback will be deducted or reversed (as the case may be) in the current balance. If the reversal of the entry generates a negative cashback value, the bank will resort to deducting the amount due from the client's account.

Cashback Conditions

10-11 Cashback payments deposited in the client's Visa card may not be used to pay for the transaction on which the cashback was earned, and the Bank will continue to collect the amount from the client's account in accordance with these Payment Card Terms.

10-12 Cashback earned on any additional Visa card will be credited to the account to which the primary Visa card is linked.

10-13 Cashback may not be transferred to any other person or entity as per law or in any other manner. Cashback is a benefit that is paid at the absolute discretion of the bank; it is not a balance that can be transferred to any other person or entity. Cashback may not be exchanged for other rewards, redeemed, exchanged, or transferred under any circumstances.

10-14 Cashback has a monetary value; it can only be redeemed as a credit to the client's account. When added, the equivalent value of the cashback will appear as a credit to the account in the same way as any other refund.

10-15 The Bank reserves the right not to add the value of any earned cashback or to delete any accumulated cashback on Visa card in the event that the client misuses Visa card or account.

Qitaf Points Terms

10-16 Qitaf Points Rewards apply to Visa cards.

10-17 The client may use Qitaf Points to pay for the services available to him/her by the Bank as the Bank may determine through the Bank's digital channels from time to time.

Stop any program or cashback payments and Qitaf points

10-18 The Bank may cancel the client's acquisition of Cashback or Qitaf Points at any time, provided that the Bank shall inform the client accordingly in accordance with the terms of these Payment Cards.

Transport (Local Commuter Transport, Passenger Railways, Bus Lines)
Charity
Auto dealership
Utility
Government
Direct Marketing and Insurance
Education
Telco
Service Stations and Automated Fuel Dispensers
Court Costs
Bail and Bond Payments
Non-Financial Institutions – Stored Value
Parking Lots, Meters, Garages

Variety Stores
Miscellaneous General Merchandise
Fast Food Restaurants
Transportation Services (Not Elsewhere Classified)
Miscellaneous Food Stores
Candy, Nut and Confectionery Stores
Women's Ready-To-Wear Stores
Family Clothing Stores
Gift, Card, Novelty and Souvenir Shops
Automobile Rental
Grocery Stores and Supermarkets
Eating Places and Restaurants
Cosmetic Stores
Taxicabs and Limousines

11-1 The client may terminate these Visa Cards terms if the client does not agree to any amendment or change notified by the Bank and he shall inform the Bank of his intention to terminate within thirty (30) days from the date of receipt of any notice of amendments or changes and after paying any amounts due on any Visa Card.

11-2 If the client exercises his right of termination under clause 11-1 above of these card terms, the client shall pay all amounts due on any Visa cards to the Bank and return any physical cards to the Bank upon its request.

11-3 The Bank may at any time request any documents and/or information from the client that it deems necessary to implement these payment card terms and/or provide Visa Cards to the client and the client agrees to provide the Bank with such documents and information immediately upon request.

11-4 The client authorizes the bank to send data regarding Visa card and its account data to the Saudi Central Bank, other banks and any other concerned parties in a manner that does not conflict with the regulations and instructions issued by the Saudi Central Bank and the Terms of the Personal Data Protection Law and its implementing regulations in the KSA and other relevant regulations.

11-5 Saudi Riyal is mainly used to calculate all transactions and commissions related to Visa cards.

11-6 The client authorizes the Bank to assign part or all of the services provided to the client under these Payment Card Terms to any Third-Party, whether such party is doing business from inside or outside the KSA. The Bank will remain liable to the client for any direct recoverable loss or damage incurred as a result of the Attribution and shall maintain the confidentiality of any information to the same extent that the Bank shall maintain the confidentiality of such information.

11-7 The Bank is not responsible for the refusal of any merchant or institution to accept any of Visa cards, nor is the Bank responsible in any way for the goods or services provided to the client. The client shall resolve any such issues directly with the Merchant or the institution, as the Bank assumes no responsibility in this regard. Any claim made by the client against the Merchant or the Establishment may not be used to sue the Bank. The Bank, in turn, will credit any refund to the client's Visa card provided that the bank receives a credit slip issued correctly by the merchant or institution.

11-8 The client shall notify the Bank, using the contact information specified in clause 11-11 of these Payment Card Terms, as soon as possible of any changes to the client's address, office telephone numbers, home phone and/or mobile phone.

11-9 The client shall authorize the Bank to rely on and act in accordance with any notice, instruction, request or other communication received from time to time, by telephone, fax or any other means of communication by or on behalf of the client (the "Instructions") without any inquiry on the part of the Bank, including without prejudice to the generality of the foregoing, as to the authority or identity of the person giving the Instructions and taking into account the circumstances prevailing at the time of receiving the Instructions.

11-10 The Bank shall have the right to deal with the Instructions as if they were a full authorization and binding on the client, and the Bank shall have the right to take the necessary steps in connection with or based on the Instructions as the Bank deems appropriate, whether the Instructions include instructions to pay, deduct or calculate any amounts or relate to the disbursement of any funds, guarantees or documents or oblige the client to a transaction or arrangement of any kind, regardless of the nature of the transaction, arrangement or amount of money concerned.

11-11 The client should contact the Bank's client Experience Team on 8001180008 (toll free number from within KSA) or ‎+966 920011444 (inside or outside the KSA) or communicate through the Bank's digital channels provided by the Bank from time to time in case of any queries, objections or complaints regarding Visa Card.

1-1 These Terms for enabling the use of Visa Cards on third-party payment platforms ("Terms of Use") apply when the client uses Visa Card for payments made through third-party payment platforms and technologies.

1-2 For the purposes of these Terms of Use, the following definitions apply:

1-2-1 "Devices" means a mobile phone, tablet, smartwatch or other device that is compatible with the Third-Party Platform (as defined below) and which the Bank determines is eligible to register Visa Cards for use through such Third-Party Platforms;

1-2-2 "Passcode" means the secret code required to unlock the Device and/or access the Third-Party Platform on the Device; and

1-2-3 "Third-Party Platform" means any web-based or mobile payment system and/or e-wallet service created by a third-party that enables the client to add credentials of Visa Card to make payments for purchases at merchants and payment acceptance portals that accept payment through those platforms.

1-3 The client agrees, in exchange for being granted access to the third-party platform, to comply with these terms of use. The client must also accept these terms of use to access the relevant third-party platform through the STC Bank application. By accepting these terms of use along with the Terms of the agreement or any notifications received through the bank's digital channels, the client acknowledges that they have reviewed these terms as a legally binding agreement between themselves and the bank, understand them, and agree to abide by them.

1-4 These Terms of Use shall apply in addition to the terms of the Agreement and the Payment Card Terms.

2-1 The client is solely responsible for maintaining the physical security of the device and the confidentiality of the following:

2-1-1 Lock the device, PIN, passcode and other means necessary to access the Third-Party Platform;

2-1-2 The client's Visa card credentials; and

2-1-3 Any personal or other payment information recorded on or for the device.

2-2 When exchanging the device and/or means of accessing it with any person, that person may be able to use Visa cards and access personal and payment information available on the third-party platform. Therefore, the client is required to maintain the security of the device, passcode and credentials in the same secure manner as he would with cash, cheques, debit cards, credit cards and other PINs and passwords.

2-3 Visa The third-party platform offers the client another way to carry out purchases with Visa card, and the terms of the agreement and that of Visa cards remain the same when linking Visa card to a third-party platform.

2-4 Any applicable fees and commissions on Visa card are applicable when the client uses Visa card through the third-party platform, and the third-party platform provider and other third parties such as data service providers may impose additional fees on the client as determined by those third parties, and the bank does not bear any responsibility for such fees.

2-5 The client may link Visa card to a third-party platform by following the instructions of the platform provider. While The client may only use Visa cards that the bank indicates to the client to meet the conditions for use on the third-party platform. When a client adds Visa card to a third-party platform, the platform will allow the client to use Visa card to conduct transactions on goods and/or services in which the third-party platform is accepted as a payment method after notifying the client. The Bank can also ban the use of Visa card through the third-party platform at any time. The client hereby agrees and undertakes not to communicate with the Bank except in the event of any problem, and not to communicate with any external platform, unless the Bank directs the client to do otherwise in writing.

2-6 In case of breach of device confidentiality, the client shall be solely responsible for that as he/she will pay all Fees, costs, losses or damages of any kind arising in any way from such breach. The client shall notify the Bank immediately if the passcode is compromised or if it is disclosed to any other person or entity. The client should ask the bank to block Visa card due to such disclosure or hack.

2-7 In case of fraud, loss or theft of the device, the client is obliged to notify the bank immediately and the bank will work to stop Visa cards. The Bank reserves the right to refuse to authorize any transaction if it is suspected of violating the terms of use or in case of fraudulent or irregular activity in relation to Visa cards.

2-8 The Bank may, with the consent of the client, keep records of the client's activity on the Third-party platform including the latest transaction data, and the Bank may periodically collect and use technical data and related information (which does not reveal the client's identity) as a result of the client's use of the Third-party platform including but not limited to technical information about the client's device. The Bank may also use this information to develop its products or to provide services or technologies. As the Bank may Provide client Data to third parties who perform services on behalf of the Bank and then may contact those third parties on behalf of the Bank to maintain the client's account.

2-9 The client acknowledges, by registering, adding and using Visa cards on the third-party platform, that certain information stored on the client's device related to Visa cards may be transferred to a Third-party platform provider and/or a third-party system working with the Third-party platform provider for purposes related to the platform. As the client acknowledges that this information may be used by the Third-party platform provider and/or a Third-party working with such a party. The Bank assumes no responsibility and will not have Any control regarding the privacy, protection and security of personal data and the security of information provided by the client to the Third-party platform Provider which is governed by the Privacy Policy and any agreement you enter into with the Third-party platform Provider.

3-1 The client is only licensed to use the Virtual Payment Card in accordance with these Terms of Use. While the Bank reserves all rights that it has not expressly granted to the client.

3-2 The client hereby grants a limited, non-exclusive, non-sublicensable and non-transferable personal license to install and use security codes and other credentials associated with Visa Card to make payments by the Device on the Third-party platform provided that this is in accordance with these Terms of Use. As the license's use is limited to any device owned or controlled by client as authorized by any applicable external agreements.

3-3 The client is not allowed to renting, lending, selling, redistributing or sub-licensing any right to use the credentials of any card on the Third-party platform.

4-1 The client's use of the Third-party platform is subject to the Visa and conditions imposed by the Third-party and the Bank shall not assume any responsibility or liability to the client arising under the agreement entered into by the client with such Third-party. It is the client's responsibility to read and understand any external agreements before adding, linking or using Visa Card via the Third-Party Platform.

5-1 Except for liability which cannot be excluded under the laws of KSA, the Bank shall not be liable for any loss incurred by the client as a result of his use of the Third-party platform unless such loss is a direct result of gross negligence and/or willful misconduct by the Bank.

5-2 The Bank is not the provider of the Third-party platform and is not responsible for providing the platform service to the client. The Bank's responsibility is limited to providing information in a secure manner to the Third-party platform responsible for allowing the use of Visa cards on the third-party platform.

5-3 The Bank is not responsible for the disruption of the Third-party platform or the inability to use it in any transaction. The Bank is not responsible for the performance or non-performance of the platform provider or any other third parties under any agreement entered into by the client with the platform provider or any other third parties.

6-1 The Bank has the right to suspend or terminate the client's use of Visa Cards on the third-party platform with immediate effect if the client violates these Terms of Use, the Terms of the Agreement or the terms of payment cards, in which case the Bank shall notify the client accordingly.

6-2 The Bank has the right to suspend or terminate the client's use of Visa Cards on the Third-Party Platform under the following circumstances and will provide the client with notice where reasonably possible:

6-2-1 as a result of any act or omission of the third-party platform provider including suspension of the third-party platform, breach of client (cardholder) data or other security breaches; and

6-2-2 Suspension or termination to comply with the regulations to which the Bank is subject or applicable orders issued by the relevant regulatory authorities (including the Saudi Central Bank).

6-3 The client has no right to change these Terms of Use. The client can terminate the link between their Visa card and the third-party platform at any time by removing or unlinking their Visa cards from the respective platform. The Bank's client experience team can support the client in this regard as needed.

6-4 The Bank may amend these Terms of Use at any time by posting a revised version on the Digital Channels, and the Bank will notify the client of such changes thirty (30) days prior to their effective date. The client accepts and understands that it is the client's responsibility to refer to the updated version of the Terms of Use via the Digital Channels. Subject to these Terms of Use, the Agreement and the Payment Card Terms, the client may terminate these Terms of Use if the client does not agree to any amendment or change notified to the Bank by informing the Bank of his intention to terminate within thirty (30) days from the date of receipt of any notice of amendments or changes which will result in the cancellation of all services related to the Terms of Use without prejudice to other services not related to the Terms of Use.

The following words and phrases shall - wherever stated in these conditions - have meanings stipulated before each of it, unless the context requires otherwise:

Points: means the Reward Points earned by the client in accordance with these Loyalty Terms in respect of each Loyalty Program.

Loyalty programs: means the Bank's Loyalty Program or Third-Party Loyalty Program (s), as the context requires.

Bank Loyalty Program: The Loyalty Program offered by the Bank from time to time subject to the Bank's terms and conditions under which the client earns Points and is able to use them.

Loyalty program partner: Third-Party means the Loyalty Program Provider in accordance with its terms and conditions who enters into an agreement with the Bank to enable clients to earn Points through Third-Party Loyalty Programs on eligible transactions.

Third-Party Loyalty Program: means the Loyalty Program offered by Loyalty Program Partner.

Eligible Transaction(s): Transactions conducted by the client using their Visa cards or specific types of Visa cards that qualify him/her to earn Points.

2-1 The Bank shall from time to time, in its absolute discretion, make the Bank's Loyalty Program available on certain Eligible Transactions made via Visa cards or certain types of Visa cards. The Bank shall have the right at its absolute discretion to restrict eligibility for the Bank's Loyalty Program for specific types of Transactions in accordance with the terms of the bank's loyalty program to specific categories of merchants.

2-2 Eligible Transactions in connection with the bank loyalty program do not include fees, Visa card fees (if applicable), transactions reversed by merchants, foreign currency, remittances, profit rate, fraudulent or unauthorized transactions, or any account fees (if applicable).

2-3 Bank loyalty program points will not be awarded on Visa card transactions that the client cancels or returns for a refund.

2-4 The Bank may at its sole discretion change the method of earning Points for eligible transactions from time to time.

Accumulate / Earn Points:

2-5 Points are automatically earned according to the amount or rate determined by the Bank for the Bank's loyalty program provided by the Bank without affecting any other offers made by the Merchant unless otherwise stated.

2-6 The Bank shall calculate the points earned by the client in connection with the bank's loyalty program as per its Terms. All points earned will appear on the client Statement available via the Bank's digital channels in the section of the Bank's Loyalty Program.

2-7 Points will not be earned for any eligible transactions redeemed to Visa card, and Points earned for such transactions will be reversed or cancelled as the case may be.

2-8 Any points earned by any additional payment card will be credited to the account linked to the primary Visa card.

2-9 The Bank reserves the right not to add or cancel any of the points earned by Visa card in the event that the client misuses his Visa card or account.

3-1 The client acknowledges that if he/she is eligible to earn points for any of the loyalty programs, the acquisition and consumption of points is subject to the terms and conditions of the relevant loyalty program partner that apply between the client and the loyalty program partner.

3-2 The client acknowledges that redeemed points with loyalty program partners cannot be redeemed in cash. In the event that any purchase transaction is canceled or not completed by redeeming points and those points are deducted from the client, the bank will reverse that process and return the points that were deducted as they were before deducting them.