1. As used herein: (a) ”The Bank and/or NEO” means The Saudi National Bank(SNB); (b) “Customer” means a person or entity in whose name an account has been opened with the Bank; (c) “User” is a person authorized by a Customer (and accepted by the Bank) to have electronic access to the Customer’s accounts; (d) “Electronic Banking” means access by a Customer or User (by the use of computer, telephone or other similar electronic device) to the Customer’s account information, banking services, and to any other information made available by the Bank; (e) “Internet Banking” means access to the Electronic Banking service by a Customer or User by the use of a computer (via modem, browser and an Internet service provider “ISP”). (f) “VAT” means any value added tax or similar additional tax chargeable under the laws and regulations of the Kingdom of Saudi Arabia for the time being and any similar additional tax (In general, any words and expressions which have a defined meaning in any VAT laws and regulations enact within the Kingdom of Saudi Arabia shall have the same meaning as in that VAT laws and regulations); (g) “VAT Regulation” means the VAT Law enacted by virtue of the Royal Decree No. (M / 113) dated 2/11/1438H and its implementing regulations issued by GAZAT and as amended from time to time, and in general, any law or regulation imposing or relating to the imposition or administration of a value added tax on goods and services in the Kingdom of Saudi Arabia and any implementing regulation made under the relevant regulation or law; (h) “VAT–Exclusive Consideration” for the avoidance of any doubt and notwithstanding the definition of “consideration”in the VAT Regulation, and unless otherwise expressly stated in this Agreement, profit margin, prices or other sums payable or amounts to be provided for under or in accordance with this Agreement are exclusive of any VAT. Furthermore; all amounts exclude tax that would be imposed in the future (including VAT). Upon implementation of the VAT, NEO will be entitled to recover from the Customer any VAT that NEO is required by law to collect; (i) “GAZT” means the Zakat, Tax and Customs Authority.
1. Electronic Banking shall be available for such banking services as the Bank may, from time to time and in its sole discretion, determine. 

2. The Customer authorizes the Bank: (a)to act on all Electronic Banking instructions received from the Customer or User; (b) to respond to any Electronic Banking inquiry by the Customer or User; and (c) to debit the Customer’s account for any financial transactions processed through Electronic Banking / Internet Banking; and (d) directly and without recourse to the Customer, debit any fees or charges due to the Bank or paid by the Bank on his behalf to any other entity; and (e) authorize a third party to execute transactions on behalf of the Customer. The Customer acknowledges that his attention has been drawn by the Bank and that he has taken notice of the current limitations of technology and the limitations and restrictions on the use of Electronic Banking (including Internet Banking), and that continuing and uninterrupted availability of Electronic Banking services depends on the application of technology and restrictions on use. The Customer hereby releases and discharges the Bank from any and all responsibility in the event that the Customer is unable to use the service for any reason whatsoever.

4. The Customer shall be charged such fees (for enrolment in, and maintenance and utilization of, the various Electronic Banking services) as the Bank may prescribe from time to time. The Bank reserves the right to modify such fees at any time, and shall notify the Customer accordingly in the event of any such modifications. The Customer hereby authorizes the Bank to debit any of the Customer’s accounts with the Bank (or such specific account as the Customer may, from time to time, specify in writing) for any such charges.

5. The Bank reserves the right to refuse, for any reason whatsoever: 
(a) to provide Electronic Banking service to a Customer or User; and (b) any Electronic Banking instructions or inquiries received from a Customer or User.
6. The Customer shall exercise all possible care to ensure that only the Customer and authorized Users have access to the Customer’s Electronic Banking facilities. The Customer shall be fully responsible for ensuring that he or she and such authorized Users do not disclose their User identification and security password to any other person or to the Bank, any of its offices and branches, or any of the Bank’s officers and employees. Consequently, the Customer agrees that the Bank, its branches or offices, and its officers or employees, shall not be liable for any claim, loss, expense, delay, cost or damage arising from or in connection with any instruction, request, inquiry or transaction made or effected by means of Electronic Banking where any User identification or password has been or is purported to have been used by unauthorized persons. If any User identification or password becomes known to any third party, the Customer or User shall be obliged to immediately notify the Bank and confirm such notice in writing. The Customer shall be solely responsible: 
(a) For all instructions and inquiries acted upon and all transactions effected by the Bank in respect of such compromised identification or password until written notification has been duly received and has been acknowledged by the Bank.
(b) For keeping secure and confidential all of the Customer’s account information, instructions and transactions, and any other information which are accessed, downloaded to, or stored on, any computer, telephone, smartphone or any other electronic device. The Customer further confirms, in case of use by the Customer of Internet facilities to access the Bank’s Electronic Banking services, that he assumes full and sole responsibility for any consequences of any unauthorized use or misuse by any party whomsoever of such Internet facility which results, directly or indirectly, in any loss or damage to the Customer or to the Bank.

3. The Customer agrees to provide details of Users and each of the services they may each access by Electronic Banking only on the standard form provided by the Bank for such specific purpose. The Bank will act on instructions to register, amend or cancel the types or extent of services to be made available to a User only if received on the correct prescribed form.

4. Any computer, telephone, or electronic device provided by the Bank to the Customer shall, at all times, remain the property of the Bank and will be surrendered to the Bank immediately upon the request of the Bank and in the same condition in which such devices were received by the Customer.

7. The Customer acknowledges and agrees that the Customer does not and will not own any proprietary (including copyright or intellectual property rights) in any software, screens or documentation supplied by the Bank for Electronic Banking, or in any enhancements thereto. The Customer will not make (or allow Users and others to make): (a) any copies of or modifications in the software, screen/s or documentation supplied by the Bank; or (b) any download or transfer of Electronic Banking software from any computer, telephone, smartphone or other electronic device to any computer, telephone, smartphone or other electronic device
9. The Customer may cancel his registration or any of his users at any time by giving a written notice thereof to the Bank. The Bank may, at its discretion, cancel the registration of any User at any time without need of prior notice. Cancellation shall not affect a Customer’s liabilities for any instructions issued, any transactions effected or any Electronic Banking service already in process at the date of such cancellation. Whereas access to NEO Mobile will be automatically disabled after three unsuccessful consecutive attempts are made by entering wrong username and password combinations

10. The Bank shall not be liable for any loss, damage, cost, or expense whatsoever suffered or incurred by the Customer as a result of any breach of these Terms and Conditions.

11. The Customer shall be solely responsible for any and all telecommunications (including PTT charges) costs, ISP costs and any other costs and charges related to the Customer’s use of the Internet to access the Bank’s Electronic Banking service

12. The Customer authorizes the Bank to send notices and communications related to the Internet Banking service via e-mail and facsimile. The Customer shall take all necessary precautions to ensure confidentiality of such messages received by the Customer through e-mail and facsimile, and assumes sole responsibility for any breach thereof.
13. Whenever the Bank’s toll-free number (Help Desk) is utilized by the Customer, the Customer, by such use, thereby authorizes the Bank to voice-record all such communications / instructions (including, without limitation, instructions to add beneficiaries) and accepts such recordings as evidence thereof.

14. No failure by the Bank to exercise and no delay in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any rights, power or privilege preclude any other or further exercise thereof. The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

15. The Bank reserves the right to amend these Terms and Conditions at any time. The Customer will be notified accordingly. Continued use of Electronic Banking services thereafter by a Customer or User   constitutes acceptance by the Customer of such amendments. Any variation by the Customer of these Terms and Conditions must be agreed to in advance by the Bank in writing.

16. These Terms and Conditions supplement (and shall be subject to the respective terms and conditions and/or agreements which the Customer has executed or may hereafter execute) governing each of the Customer’s accounts which the Customer accesses through the Electronic Banking service.

17. These Terms and Conditions shall be governed by and construed in accordance with the laws and regulations of the Kingdom of Saudi Arabia. The parties hereto irrevocably submit to the exclusive jurisdiction of the Committees for Banking and Financial Disputes and Violations in case of any dispute arising in connection herewith.

18. All Terms and Conditions، or /and the Agreements and its Annexes and documents concluded between the two parties shall apply in regards of any bank product or/and service.

19. NEO will use regular procedures for the local transfer of funds. In no case NEO shall be liable for any damage or loss resulting from any error, delay or any other reasons caused by circumstances beyond the control of NEO.
20. In case the client requested a local transfer refund of transfer amount, the request will be permitted only in case where payment has not been made to the beneficiary for any reason, and the transfer amount has been returned back to NEO.

21. NEO maintains the right according to its absolute discretion to refuse or stop or cancel any transfer, and the client shall not have any recourse to NEO with any complaint or claim or liability whatsoever.

22. NEO will use regular procedures for the international transfer of funds. It is understood that NEO will have sole discretion to use any correspondent banks or agents on behalf of the client " remitter " to effect the transfer. In no case NEO or its correspondent bank / agent shall be liable for any damage or loss resulting from any error, omission or delay caused by circumstances beyond the control of NEO or its correspondent bank or agent. Correspondent bank can use any agent to carry out the transfer. NEO will not in any way be responsible for any damage or loss that may result from fault or negligence or any act of omission committed by the correspondent bank or its agents or by whichever carrying out the transfer on behalf of NEO.

23. In case the client requested an international transfer refund of transfer amount, the request will be permitted only in case where payment has not been made to the beneficiary for any reason, and the transfer amount has been returned back to NEO by NEO's correspondent. In case the transfer has been returned because of incorrect or incomplete Information on the application, NEO shall be entitled to charge the remitter with any expenses as determined by NEO. Refund of the transfer will be made after converting the amount from the currency of the transfer to the currency of the client’s account based on the buying exchange rate prevailing at NEO on same day of the refund and after deducting all fees and expenses due to both NEO and the correspondent bank.

24. The client acknowledges his knowledge and awareness that the rules in the kingdom of Saudi Arabia prevent transfers of funds unless the beneficiary is known to the client or there is a legal relationship between both of them or there is a legitimate purpose for the transfer.

25. If NEO asks the remitter for any information relating to his international remittance, such information should be submitted within 5 business days’ maximum. In the absence of any response from the remitter's side, NEO will not be responsible for returning any amount to the remitter which had been seized by any other local or international third parties. In this regard, the remitter shall not be entitled to claim for compensation or have any recourse to NEO with any complaint or claim or liability whatsoever.

26. The bank shall not be responsible for any transaction or transfer which the costumer has filed in wrong data for the beneficiary. The Bank is entitled to stop or suspend any transaction or transfer that the bank sees it as unlawful or suspicious without any responsibility on the bank part and without any notice to be sent by the bank.
• The customer acknowledges and agrees that the international swift system is applicable to all international remittances executed through the Bank’s alternative channels. Therefore, the
correspondent bank and beneficiary bank fees will be deducted from the customer’s account and deposited to the beneficiary’s account.
• In case of international cancellation of a remittance, the Bank shall bear no liability to pay any fees or exchange rate applied to the remittance after deducting the amount from the customer’s account or if the
remittance is recalled, as the price is calculated according to Reuters Exchange Rates.

28. The Instant Payments System “sarie” will provide the customer with local transfers at a certain limitcwithout the need to add or activate a beneficiary using the following options:
• IBAN Number
• ID Number (National ID – Residence Number– Commercial Registration Number/Unified National Number)
• Mobile Number
• E-mail
a) The customer should change the Instant Payments System “sarie” limit to be able to benefit from the
service. The limit entered by the customer shall not exceed the maximum amount allowed by the Bank as
mentioned via the electronic channels.
b) To benefit from the Instant Payments System “sarie”, the customer must subscribe to the service by
linking the number (National ID – Residence Number - Commercial Registration Number/Unified National
Number) or Mobile Number or e-mail, to the current account to Instant Payments from other banks.
c) The customer acknowledges and agrees to receive Instant Payments through all banks participating in the service once the service is activated through one of the electronic channels.

29. The Customer hereby unconditionally and non-revocable acknowledges and authorizes NEO to Re-copy and / or photograph and / or scan any and all documents submitted by the client or by his attorney, without any limitations.

30. In the event of default by the cardholder to settle any amounts payable on his/her credit card on time, such default shall be reflected in the cardholder’s record with credit information companies, which is may be shared by all banks operating in the Kingdom. In this case, the Bank shall be entitled to add the cardholder to the C-List, which may result in the cardholder being unable to obtain any funding or credit facilities from any bank in the Kingdom.

30. The cardholder shall not be removed from the C-List before all amount payable to the Bank are settled in full, in which event, the card holder’s record shall be updated accordingly. However, such update shall not necessarily mean that the cardholder is removed from the C-List.

31. Obtaining and disclosing client’s information: The customer acknowledges that the Bank shall have the right to obtain, disclose, discuss any information with the credit information companies or any other third party the Bank may consider appropriate.

32. Acknowledgment of Electronic Documents Validity: 
Each of the parties to these Terms and Conditions agrees that documents related to their dealings with the Bank shall be stored in electronic records or files, or in any other internationally recognized technological devices, and that such electronic documents may be used as valid evidence and proof in litigation and all courts, committees, government and non-government agencies operating in the Kingdom and abroad, and that neither of them shall have the right to contest such documents as testimony.

33. Passwords: For further protection, the Customer should choose a password consisting of letters, numbers, and not choose a password which can be guessed easily, and should avoid the use of letters and numbers in a row. The Customer agrees to keep his passwords absolutely confidential and access to the devices that provide restricted authentication codes which are for his use alone. The Customer shall not disclose his username or his password to anyone (including close family member, friends, or any bank or public official).

34. NEO Mobile service shall be available to the customer around the clock 24/7; however, the Bank shall not be liable for any failure to provide either, in part or fully, for any because that is beyond its control. In the event the Bank has advance knowledge of any interruption of service, it shall use its reasonable commercial efforts to inform the client in advance.

35. The customer can use the notification services related to NEOMobile, which sends to the customer his executed financial transactions regarding all of his accounts and credit cards and any amounts dues, as well as offers and marketing campaigns.

37.The customer can request additional banking products by using NEO Mobile after reviewing and accepting the terms and conditions of the product to be requested and after confirming the request by using one of the methods approved by the bank such as, but not limited to, “opening an additional account" and “credit card services”.

36. The customer confirms his/her identity at each login process on NEO Mobile applicationthrough Multi-Factor Authentication standard. The customer will be required to use the tools approved by the Bank which cover the security requirements and regulatory requirements adopted by the Bank and SAMA,

37. Terms and Conditions of E-Signature:
• Concerning the e-signature, the Customer hereby authorizes the Bank as follows:
First: Under the Electronic Transactions and its Implementing Regulations, which require that the Customer shall hold (digital certificate), which is an electronic copy that is issued by an (certification service provider), person licensed to issue digital certificates or any related service or mission and e-signatures according to this Law such as BTC and STCS. This digital certificate is used to confirm the
identity of the holding person (Customer) on the e-signature system and contains signature verification data, which shall be certified by the Center (National Center for Digital Certification (NCDC)), which supervises digital certification issuance and management. Therefore, the Customer authorizes the Bank as follows:
a) To pass the Customer’s personal information and data to the (certification service provider) for completion of the Customer’s procedures related to the issuance of the (digital certificate).
b) To complete the e-signature procedures as per actual reality.
c) Obtaining the Customer's approval and/or signature in any other manner permitted by the Electronic Transactions Law and its Implementing Regulations.
Second: The Customer acknowledges as follows:
a) If there is a requirement of written signature on a document, contract or otherwise, the e-signature made in accordance with this Law (as indicated above) shall be deemed satisfactory of this requirement and the e-signature shall constitute a written signature and has the same legal effects.
b) That electronic transactions, records and signatures shall have their probative effect and no challenge may be made against their validity or enforceability nor be blocked from enforcement on the ground that they have been made in full or in part in an electronic form. In addition, the information generated from electronic transaction shall not lose their probative effect or enforceability and electronic transaction or e-signature shall be admitted for evidence.
c) Offer and acceptance in the contracts may be expressed through electronic transaction and the Contract shall be deemed valid and enforceable wherever it has been made in accordance with the provisions of the Law. In addition, the Contract shall not become invalid or unenforceable once it has been made through one or more electronic registers.
d) Contract may be effected through automated or direct electronic data systems between two or more electronic data systems that are pre-developed and programmed, to carry out such missions as a representative of the contracting parties and the contract shall be valid and effective despite the absenceof direct intervention of any person with a natural capacity in the conclusion of the contract. The contract may be made between an automated electronic data system and a person of natural capacity if he is aware or is supposed to be aware that he deals with an automated system that will take the mission of concluding or enforcing the contract.
Third: Responsibilities of the Certificate Holder (Customer). The Customer acknowledges that:
a. The Certificate Holder shall be responsible for the safety and confidentiality of his e-signature system and every use of this system shall be his own and that he shall adhere to the certificate use conditions and the e-signature creation conditions.
b. The Certificate Holder shall provide correct information to the certification service provider or all parties that are required to verify his e-signature.
c. The Certificate Holder shall inform the certification service provider of any change or non-confidentiality of the information indicated in the certificate.
d. The holder of a suspended or cancelled certificate shall not reuse the e-signature elements of the concerned certificate of another certification service provider.

38. Using Fingerprint ID to access NEOMobile Application; the Customer undertakes that all the registered fingerprints on his mobile device are of his own. The customer is allowed to link a maximum of two devices to access his account. The customer shall not be able to link more than one user on the same device.

39. NEO Debit Card terms and conditions The owner of the Account(s) (hereinafter called the “Account Owner”) stated in the Application Form, by
• The Bank will supply the Cardholder with the Plastic Card and the Cardholder will define Personal Identification Number (PIN) that must be used in transacting thru the Automatic Teller Machine (ATM) and Point of Sale (POS).
• The Card will remain the property of the Bank and will be surrendered to the Bank upon request.
• The Bank shall be entitled to withdraw the Card, the service hereby provided or to amend or supplement any of these terms and conditions at any time without prior notice to the Cardholder.
• The Card is not transferable and may be used only by the Cardholder.
• In the event that the plastic version is issued, the Cardholder must sign the Card immediately upon receiving it from the Bank and the signature should be the same as that already available at the Bank.
• In case the Card was lost or stolen howsoever occurring, the Cardholder shall advise the Bank immediately to close the Card. The Cardholder will not be liable for any transaction performed with his/her lost or stolen Card, only after the Bank has received a notification of that loss. The Cardholder will be liable for any transaction performed with his/her lost or stolen Card, if the Bank has not received a notification of that loss.
• The selection of a new PIN and/or replacement of the Card shall not be construed as commencement of new contract.
• At no time and under no circumstances shall the Cardholder give any person his/her PIN or writ it on the Card.
• At no time and under no circumstances shall the Cardholder give any person his/her Card to any person 
• The Bank will debit the Cardholder’s account with any withdrawal, transfer or purchase performed by the use of the Card. The Cardholder shall in all circumstances accept full responsibility for all transactions processed by the use of the Card, whether or not processed with the Cardholder’s knowledge or by
his/her authority. The Cardholder accepts the Bank’s record of transactions as conclusive and binding for all purposes.
• Transactions processed by means of the Card shall be subject to limits established by the Bank from time to time. The Bank will in no circumstances be liable to the Cardholder the Card is not honored for any reason whatsoever.
• The Cardholder by the use of his Card withdraws or transfers any amount or amounts exceeding the credit balance in his Current Account, he shall immediately notify the nearest Bank branch and shall promptly refund to the Bank the Amount or amounts exceeding his credit balance. In case of default the
Cardholder shall refund the said amount or amounts in addition to a commission fee as the Bank may fix from time to time.
• In the event of a discrepancy between the amount of any deposit as stated by Cardholder and the Bank’s count, the Bank’s count shall be controlling and binding on the Cardholder the Bank shall promptly notify the Cardholder of any such discrepancy.
• The Bank will supply Cardholder with monthly Statements of Account. In the event of discrepancies over any transactions on NEO Debit Cards, the client may file complaints through the client’s protection page at the Bank website www., and if there is any objection on any transaction, the client should
raise claim to the Bank within 180 days for Local transactions and 30 days for International transaction from the transaction date, otherwise their failure to do that will be considered as if they have waived their right to such transactions and to raise claims.
• The Bank reserves the right to charge customers certain annual fees for using NEO Debit Card to enjoy
various Bank Service rendered to the Customers. The Bank shall be entitled to alter such fees/charges after prior notice.
• It is the Cardholder’s obligation to advise the Bank in writing of any change in his/her home address .
• The Cardholder agrees that the Card will perform only the transactions which are enabled for the Card as per the details shown on the Application Form.
• The Cardholder has been advised, and agrees, that upon deposit to any of his own accounts linked to the Card, the balance will be printed out on the receipt. In case of deposits to other Bank customers’ accounts or to a non-linked own account, the balance will not be printed.
• The Card may be used by the Cardholder to make deposits to accounts other than those mentioned in the Application Form.
• Deposit receipts will not contain information about the depositor. The number of the account to which a deposit is made shall, however, appear on the receipt.
• This, Agreement, shall be governed by the laws and regulations of The Kingdom of Saudi Arabia.
• If the customer request to issue supplementary Card or replacement of lost, stolen or damaged or conduct 3 wrong entries of card PIN, the bank has the right to charge SAR. 30.00 from the customer account if the customer is not a member of special program in the bank.
• If the “Offline” service is activated; the Bank may charge any amounts on the offline point of sale (POS) carried out through the card within 180 days from the date of arrival of the transaction to the Bank. The cardholder accepts the Bank restrictions on such transactions as final and binding for all reasons.
• Bank will send the debit card to the National address, if the mail is rejected or returned the bank will stop the sending service.
• The ATM withdrawal limit is SAR 5,000 per day.
• The purchase limit through the point of sale (POS) devices is SAR 20,000 per day and may be increased up to SAR 200,000 through the Bank electronic channels.
• If “Atheer” service is available in the card, the remote purchase transactions may be carried out without password and subject to a certain limit for every transaction and to maximum aggregate transactions. The maximum aggregate transactions will be reassigned when a purchase transaction or a cash withdrawal is carried out using the password.
• In case of use of “Naqd” service, a cash amount may be collected from the merchant subject to a certain daily limit when carrying out a purchase transaction through the point of sale (POS) so that the cash amount is discounted along with the purchase value from the client’s account.
• The limits of the service transactions (Atheer – Naqd and offline) may be browsed through the Bank website
• The Bank may debit to the client’s account additional charges for the use of international transactions such as and not limited to point of sale (POS) purchase and cash withdrawal and Internet purchase Ecommerce, according to the Bank charging rate available at the Bank website
• The Bank may modify the product charges and applicable charges on the provided products and/or the terms and conditions of the products or of NEO service transactions after notifying the client through mail, email, SMS or notifications through the bank’s channels as NEO Mobile or the Bank website
• The ATM Cash Deposit limit is SAR 100,000 per day
• “MADA Pay” service, required application installation on your mobile devise, this service shall be governed by the laws and regulations of SAMA
• Transactions processed by mobile payment “MADA Pay” and “Apple Pay” shall be the same limits established on your virtual purchase limit through the point of sale (POS) which is SAR 20,000 per day and may be increased up to SAR 200,000 through the Bank electronic channels.
• Internet Purchase (Ecommerce) service shall be the same limits established on your virtual purchase limit through the point of sale POS which is SAR 20,000 per day and may be increased up to SAR 200,000 and can be disabled through the Bank electronic channels.
• The Bank will credit the Cardholder’s account with any refunded amounts due to the use of the Card, The Cardholder accepts the Bank’s record of transactions and merchant refund policy as conclusive and binding for all purposes. The Cardholder shall in all circumstances accept full responsibility for all transactions processed by the use of the Card, whether or not processed with the Cardholder’s knowledge or by his/her authority.
• “MADA Pay” and “Apple Pay” and Electronic Wallets in general require adding NEO Debit Card on the mobile device which allow to perform contactless transactions without entering PIN code and in case the device was lost or stolen howsoever occurring, the Cardholder shall advise the Bank immediately to close
the Card in the wallet. The Cardholder will not be liable for any transaction performed with his/her lost or stolen device, only after the Bank has received a notification of that loss. The Cardholder will be liable for any transaction performed with his/her lost or stolen device until the Bank receives a notification of that loss and confirms that the card has been suspended

38. eKYC via Abshar:
• the Customer can update both eKYC via Absher and complete said updating thru NEO Mobile channel end-to-end. 
• In choosing to update the eKYC thru Nafath, the Customer will be able to navigate to authenticate the updates via Nafath screen, followed by a "success message" informing the Customer that eKYC has been updated. 
In availing this functionality, the Customer hereby waives, absolves and renders the Bank, its directors, officers and employees from any and all losses, damages, costs, claims, liabilities or demands including any actions of whatever nature and kind that may either arise from, or result in connection, with the updating of said eKYC

42. Fast login (mPIN) service The Customer acknowledges that mPIN is another functionality offering a faster and efficient mode of accessing NEO mobile banking without having to provide each time of access the username andpassword. Such ready access may be achieved by registering with the Bank for NEO mobile banking feature and by entering the Customer's 5-digit mPIN.This feature has the following service controls:
• User will enable or disable the service from NEOMobile Settings.
• Only one device will be linked to mPIN.
• financial transactions will require MFA authentication
• If the service has been blocked through Agent or Customer Care, mPIN will be disabled automatically and that the customer will again need to register if he wishes to.
• In any event that the customer entered the incorrect mPIN 3 times, service will automatically be cancelled, revoked or terminated and that the customer will again need to register.
In availing this functionality, the Customer hereby absolves and renders the Bank, its directors, officers and employees free and harmless from any and all losses, damages, costs, claims, liabilities or demands including any actions of whatever nature and kind that may arise or result in connection with the use of mPIN.
43. e-Wallet card management service (Tokenized cards) The feature of the Bank's e-wallet card management service, provides and enriches the Customer digital banking experience by allowing the customer to have an easy, fast and secure way of either view, activate, disable or remove customers’ cards from the e-wallet via submitting a request and using a multi-factor authentication. This service, as above-mentioned, may be accessed by the Customer through:
• Apple Pay for iOS users
• Mada Pay for Android users
In availing this service, the Customer hereby waives, absolves and renders the Bank, its directors, offices and employees free and harmless from any and all losses, damages, costs, claims, liabilities or demands including any actions of whatever nature and kind that may either arise or result in connection with use this service. 

44. The Bank is committed to protecting the rights and information of the Customer by following the following list of principles:
• Deal fairly and honestly in every interaction. 
• Being transparent and provide the Customer with the information required about its products and services that are easy to access and understand. 
• Make the Customer aware of the financial risks and opportunities that apply to a product or service before the Customer buys it.
• Work in a professional manner for the benefit and protection of the Customer’s financial interests.
• Protect the Customer financial and personal information and ensure it is not disclosed to third parties.
• The Bank shall give the Customer an easy access to file a complaint through mechanisms that are affordable, accountable, timely and efficient as per SAMA guidelines.
By using NEO services or websites, the Customer hereby undertake NOT to:
• Upload download screenshot, or take a photo for files containing software, materials, data, or other information not owned by the Customer or for which the Customer do not have a license;
• Upload or download files containing viruses, corrupted data, or any other malicious software, or do anything that could affect the integrity, reliability, or continued availability of the information on the website;
• Publish, advertise, distribute or circulate through the services of NEO any materials or information that contain defamation of character; violation of laws; pornographic or obscene material; material violating Islamic teachings or public morals; or any illegal material or information;
• Use any means, software or procedure to intercept or attempt to intercept the proper operation of NEO website;
• Take any action that imposes an unreasonable, large or improper load on the infrastructure of NEO website;
• Any act that violates the Saudi Anti-Cyber Crime Law or any other related law in the Kingdom.  

46. The customer should consider the following points when using NEO Mobile:
• The Bank never sends SMS asking its customers to disclose any confidential information such as account numbers, security numbers of ATMs or log in passwords.
• Always make sure that the web address starts with (https) and that the security symbol (the lock) exists.
• The Customer will never be asked by the Bank employees to provide NEO Mobile username or password. If a person asks to provide such information, then he is not representing the Bank, and the Customer should not share any information with that person and notify the Bank immediately.
• Our official website address is: Only use the link for online banking and do not use any other links or NEO Mobile Official Application for mobile banking.

47. Where VAT is applicable, the Profit Margin/Charges/Fees or amounts to be provided for under or in accordance with this Agreement are stated exclusive of VAT, which shall be added at the prevailing applicable rate on the date hereof or as amended in the future whether by increase or decrease and charged to the Customer

48. Notwithstanding the sub-clause 48 above and if, for whatsoever reason and whether for specific transaction or in general within applying the terms and conditions of this Agreement, the Bank has made any or all of the Charges/Fees or amounts to be provided inclusive of VAT, the Bank shall provide an account statement (if any) the following month which will provide a breakdown of the applicable VAT amount and its rate at the prevailing rate as applicable and charged to the Customer.

49. Privacy Policy
Your Information privacy is important to NEO. Hence, it is our duty to protect the information privacy of our customer:
• We will safeguard, according to strict standards of security and confidentiality.
• We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
Positioning and Location Data Policy:
All location-based services establish location through the use of satellite, mobile or other network. These technologies may involve exchanging your location data with NEO system that used by NEO to use our location based services and features for example: to locate our nearest branches or to receive our location based promotions. The location service will also be activated when logging into Digital Channels.
49. Digital Wallet Terms and Conditions of Service
• Introduction
The Digital Wallet is a Mobile Payment Application service; your use of the Digital Wallet is subject to these Terms of Service ("Terms"). If there is any conflict between the Arabic language version of the Terms and a version translated into another language, the Arabic version language text shall prevail. Your use of Digital Wallet requires that you agree to the following terms. Please read them carefully and approve
• General Description of Digital Wallet
Digital Wallet is a mobile app that allows you to transact using your issued virtual card number representing a debit, prepaid or credit card you register on the Mobile Wallet application (a "Virtual Card Number"). Virtual Card Numbers will be specified and differ based on whether the app is used within the Kingdom of Saudi Arabia or internationally. Your bank cards will be digitally replicated on smart phone devices to enable you to do payment transactions. Virtual Card Numbers, (collectively, "Payment Instrument") may be added to the Mobile Wallet in future where the range of uses can vary from participating merchants or transit locations, using an eligible mobile device (which may include an eligible NFC wearable device) and either the Mobile Wallet that resides on your mobile device.
• Using Digital Wallet
a) Basic Use Requirements. To use Digital Wallet Application at POS devices with contactless capability, E commerce and for Apple Pay, you will need an eligible debit card /prepaid card or a credit card / credit prepaid card issued by NEO (referred to as the bank), provided that the device meets the Service's system and compatibility requirements, which may change from time to time; working Internet access (It’s not necessary required in some cases); and compatible software. Your ability to use Digital Wallet and its performance may be affected by these factors and any other factors related to use. Ensuring the requirements to start using the app are met is your responsibility as a user.
b) Getting Started. You may set up Digital Wallet using the application that is already downloaded on your mobile device, after you have provided the requested information and attempted to add a Payment Instrument, will check both whether if your Payment Instrument is currently supported and whether the card itself is eligible to be used with the application without the liability of NEO bank in the case of non-compatibility or the use of application, when adding it you will be required to confirm your identity using the mobile number registered at NEO in addition to any other conditions specified by NEO and/or any supervisory authority. Once you have done so and successfully added the Payment Instrument, Digital Wallet will store Virtual Card Number(s) representing your payment card's actual card number. This Virtual Card Number will be used for all in-store payment and E-Commerce transactions using Digital Wallet without any liability to NEO. Where your card supports multiple schemes there will be one Virtual Card Number associated with each scheme. The appearance of this Virtual Card Number will vary in any printed receipts collected by the mobile owner based on the agreements and technical specifications of the service referred to earlier in this document. 
c) Usage. Your use of Digital Wallet Application with a given Payment Instrument is governed by these Terms as well the applicable terms and privacy policy from the issuer of your Payment Instrument. In the event of any inconsistency between these Terms and the issuer's terms, these Terms will govern the relationship between you and NEO with respect to Digital Wallet, by registering in this service, you acknowledge that you permit the completion of the sale through Digital Wallet and that you authorize the bank to receive information from your Payment Instrument's issuer to display richly formatted transaction details and your recent transaction history in the application. You agree not to use Digital Wallet for unlawful or fraudulent purposes, or otherwise in violation of applicable law and regulation. You agree not to directly or indirectly interfere with, disrupt, or otherwise misuse including any of its related servers, networks, or other infrastructure. You agree that you are completely responsible of the actions made using your mobile device of which Digital Wallet Application is downloaded to. Liability is extended as well to any misuse results in harming NEO or any related payment systems, and partnering payment schemes. You agree that Digital Wallet is for your personal use, with your own prepaid, credit or debit cards, or third-party accounts once available into the wallet potentially. If you use Digital Wallet with an eligible corporate card, you agree that you are doing so with your employer's authorization and with the ability to bind your employer to these Terms in your own responsibility. You agree that by using debit, prepaid or credit cards through Digital Wallet Application, Consumer Device Cardholder Verification Method (CDCVM) would replace your card PIN code for the sake of verifying your identity to do the payment transaction. CDCVMs would hence include the ones accepted by the Operating System such as but not limited to face recognition, finger prints, and patterns and so on. It is your absolute responsibility as a mobile owner to keep these credentials safe from unauthorized users to avoid fraudulent activities on your bank account. Neither NEO, nor its members, or affiliate are responsible of unauthorized payment scenarios made through Digital Wallet by parties other than the original account owner / card holder / mobile owner. A debit, prepaid or credit card may be removed or deactivated from Digital Wallet Application on a given device and/ or become unusable with the Service for example but not limited to and without the responsibility of the bank if: (1) you delete it from Digital Wallet Application; (2) you remove it as a payment method from your issuing bank; (3) you erase your mobile device using Device Manager; (4) you delete Digital Wallet Application; (5) you do not use Digital Wallet on the device for 24 consecutive months; and/or (6) your Payment Instrument's issuer or payment network instructs NEO to remove the Payment Instrument from Digital Wallet; (7) your identity document is expired (8) Conduct suspicious transactions or consider money laundering or fraud without reference to you and without any responsibility on the bank You agree by using Digital Wallet for your purchases in the limit of the permitted operations and/ or Mada Atheer service in your purchases - if any -, NEO reserves the right to amend these limits without prior declaration.
• 4. Privacy
The Digital Wallet Privacy Policy describes how we treat personal information when you use the Application through your mobile phone. Digital Wallet Application is offered to the NEO cardholders and your use of it is subject to the Bank Privacy Policy. Your use of Digital Wallet is governed by NEO s Terms of Service, which describes in more detail the Services covered by this Privacy Notice. Capitalized terms are not defined in this Digital Wallet Privacy Notice shall have the meaning ascribed to them in the Digital Wallet Terms of Service. Information we collect in addition to the information listed in the NEO Privacy Policy we may also collect the following:
• Registration information - When you sign up for Digital Wallet Application, you are creating an association between a Digital Wallet platform and your Bank Account or your Credit card or Prepaid card. Depending on the application services you use, in addition to the information listed in your card Issuer Privacy Policy, you may be asked to provide the following information: Credit or Debit card or Prepaid card number and card expiration date, Card Security code, address, phone number, government-issued identification number. In some cases, we may also ask you to send us additional information or to answer additional questions to help verify your information.
• Transaction information - When you use Digital Wallet to conduct a transaction, we may collect information about the transaction, including but not limited to: Date, time and amount of the transaction, the merchant's location and description, a description provided by the seller of the goods or services purchased, the names of the seller and buyer (or sender and recipient), the type of payment method used, your description of the reason for the transaction, and the offer associated with the transaction, if any. 
How we use the information we collect: We use the information you provide to us in order to provide you with Digital Wallet Application for customer service purposes, and to combat fraud, phishing or other misconduct. Such information may also be used to assist third parties in the provision of products or services that you request from them. We also use the information to review your activities to determine whether you continue to meet the terms of the service, to make decisions about your future Digital Wallet Application transactions, and for other legitimate business needs related to the transactions initiated by you.
By accepting the Terms and Condition you authorize the bank to store Your registration information that is in an association within your Digital Wallet and your registration of a payment method will be stored on bank servers. In addition, certain data elements may also be stored on your mobile device. We may retain the information you provide for extended periods of time for the purpose of complying with legal process and regulatory obligations. Information we share We will only share your personal information in the following circumstances: 
o As necessary to process your transaction and maintain your account.
o To complete your registration for a service provided by a third party.
o To inform a third party merchant, whose site or app you visit, whether you have a Digital Wallet account that can be used for making payment to that merchant.
o In case any governmental authorities request any information under Saudi court order.
For example, when you make a purchase or transaction, we make certain personal information about you available to the merchant you purchase from or transact with. When you visit a participating merchant site or app, the merchant may check whether you have Digital Wallet with an eligible form of payment that can be used to pay the merchant, in order to reduce the likelihood that you will see unusable features on sites or apps. 
Any information you provide directly to a third party merchant; website or application is not covered by this privacy notice. We are not responsible for the privacy or security practices of merchants or other third parties with whom you choose to share your personal information directly. We encourage you to review the privacy policies of any third party to whom you choose to share your personal information directly. We will not share your personal information with anyone not related to NEO except as described in this privacy notice. As explained above, Digital Wallet is a product offered to eligible NEO Cardholders.
• Information security
The security of your Digital Wallet depends on you keeping your password(s), PINs, and other access information confidential. If you share your private information including the mobile device itself with a third party, he or she may have access to your bank account and your personal information. Unauthorized payment transactions could result. It is your responsibility to control access to your mobile device and the Digital Wallet Application on your device, including keeping your password(s) and/or PIN confidential and not sharing it with anyone. It is also your responsibility to immediately alert the bank in writing if you believe or doubt that the security of the information in the Digital Wallet, or your card details have been compromised. Keeping your bank card details safe is your responsibility to avoid transactions that are not authorized by you as the genuine cardholder. When you do a transaction you acknowledge that you are the authentic user of the mobile device that is being used and digitized card within the wallet. And with your consent, you release and discharge NEO from any abuses and / or misuse or theft of your mobile phone and / or violation of its privacy and / or theft or leaking of the secret code and / or any other reason unrelated to the bank may result in any harm to you and not entitled in this regard, the Bank shall not be liable in any event of interruption of service for any reason beyond its control and / or in the event of Force Majeure
• Important notes:
o I acknowledge that I accept the terms and Privacy Policy of the digital cards provisioned in Digital Wallet and any other terms and condition related to NEO.
o All our relations, documents, these terms &conditions shall be subject to the laws and regulations in force in the Kingdom of Saudi Arabia and shall be interpreted, implemented and adjudicated in accordance with such laws and regulations. Any disputes or contractual disagreement which may arise from the implementation and enforcement shall be settled through direct negotiations between the parties. If the dispute cannot be resolved amicably, it shall then be referred to the competent dispute settlement bodies in Saudi Arabia.

52. In case of discrepancy or conflict between the Arabic version and the English version, the Arabic text shall prevail.

53. All the above shall constitutes the bank's terms and conditions and the Customer's use of the service constitutes acceptance of all the Bank's terms and conditions.



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