Debit Card Terms and Conditions

1. DEFINITIONS

In this document the following words and phrases have the meaning stated hereunder unless indicated otherwise:

Account/s refers to the Cardholder's savings and/or current account designated by the Bank to be eligible account/s for operations through the use of the Card.

Account Statement means a monthly statement of account sent by the Bank to a Cardholder setting out the Transactions carried out and balance in the Account as on that date, and any other information as the Bank may deem fit to include.

Affiliate of the Bank shall mean and include: (i) a subsidiary of ICICI Bank, (ii) a person under the control of or under common control with ICICI Bank, or (iii) any person in more than 26% of the voting securities of which ICICI Bank has a direct or beneficial interest or control. For the purpose of this clause, "control" together with grammatical variations when used with respect to any person, means the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise howsoever; and "person" means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

ATM means any Automated Teller Machine whether in Bahrain or overseas, whether of the Bank or a specified Shared Network, at which, amongst other things, the Cardholder can use his Card to access his funds in his Account held with the Bank.

The Bank or ICICI Bank refers to ICICI Bank Limited, a banking company incorporated in India under the Companies Act, 1956, and licensed under the Banking Regulation Act, 1946, and having its registered office at Landmark Building, Race Course Circle, Alkapuri, Baroda-390 007, and retail bank at Manama Centre, Bahrain, the proprietors of the Card, and may include its successors, assign and nominees.

Card refers to the ICICI Bank VISA Debit Card issued to the Cardholder. "Cardholder" refers to a customer of the Bank to whom a Card has been issued and who is authorised to hold the Card. International Transactions refers to the Transactions

entered into by the Card holder on his internationally valid Debit Card outside of Bahrain.

Merchant Establishment shall mean establishments wherever located which honour the Card and shall include, among others, stores, shops, restaurants, hotels and airline organisations advertised as honouring the Card. "Merchant" means any person who owns or manages or operates a Merchant Establishment.

PIN means the Personal Identification Number allocated to the Cardholder by the Bank or chosen by the Cardholder/ Bank from time to time, in relation to the Card.

POS Terminal means the point of sale electronic terminals at Merchant Establishments whether in Bahrain or overseas, capable of processing Card Transactions and at which, amongst other things, the Cardholder can use his Card to access his funds in his Account held with the Bank to make purchases.

Primary Account shall mean in the case of multiple accounts of the Cardholder, the account linked to the Card and debited for Transactions carried out with the Card.

Shared Network shall mean VISA or MasterCard networks which honour the Card.

Transactions shall mean any instruction given by a Cardholder using a Card directly or indirectly to the Bank to effect a transaction.

Valid Charge means a charge incurred by the Cardholder for purchase of goods or services on the Card or any other charge as may be included by the Bank from time to time for the purpose of this Scheme.

2. CONSTRUCTION

The headings in these Terms and Conditions are inserted for convenience of reference only and are to be ignored in construing and interpreting this Agreement.

References to VISA regulations pertain to the guidelines issued by VISA to all the member banks of its network. The rules of interpretation as set out in the General Clauses Act shall apply to these Terms and Conditions as if incorporated herein.

3. VALIDITY

The Card is valid for use at VISA enabled ATMs and Merchant Establishments, globally. The Card is valid up to the last working day of the month indicated on the Card.

4. BENEFITS OF CARD

The Cardholder can access cash, make payments at Merchant Establishments and ascertain information about his account balance through the use of the Card at ATMs/ POS devices (whether of the Bank or a Shared Network).

5. PERSONAL IDENTIFICATION NUMBER

To enable the Cardholder to use the Card, a Personal Identification Number (PIN) will be issued to him. The PIN shall be mailed to him and the Cardholder shall ensure that the same is received in a sealed envelope. This PIN may subsequently, be changed by the Cardholder, at his own risk, at an ATM. The security of the PIN is very important. If the Cardholder fails to observe these security requirements, he may incur liability for the Bank for any reason whatsoever. The Bank may, in its absolute discretion issue a replacement Card with a new PIN for any lost or stolen Card or a new PIN on the existing Card or issue a renewal Card with a new or the same PIN on the same terms and conditions or such other terms and conditions as the Bank may deem fit. Subject to the foregoing provisions, the Cardholder will not hold the Bank liable in case of improper/ fraudulent/ unauthorized/ duplicate/erroneous use of the Card and/or the PIN through the Card falling in the hands of any third party or through the PIN coming to the knowledge of any third party.

6. LOST OR STOLEN CARDS

If a Card is lost or stolen, the Cardholder must immediately inform the Bank, file a report with the local police and send a copy of the report filed with the local police to the Bank. The Cardholder will be liable for all charges incurred on the Card until the Card is hotlisted/cancelled. The Cardholder may report a Card loss to the Bank's Branch / Customer Care Centre. The Bank upon adequate verification will temporarily suspend the Card, and will subsequently hotlist/cancel the Card during working hours on a working day following the receipt of such intimation. If the Cardholder loses his Card overseas, he may either follow the above procedure or may report the loss through the VISA Global Emergency Assistance (VGEA) helplines. In case the Cardholder uses the VGEA services, then the charges for the usage of such services shall be borne by the Cardholder. The Cardholder shall take cognizance of the fact that once a Card is reported lost, stolen or damaged and is subsequently found, the same shall be promptly cut in half, returned to the Bank and adequate care taken to prevent its misuse. The Cardholder is responsible for the security of the Card and shall take all steps towards ensuring the safe keeping thereof. In the event the Bank determines that the aforementioned steps are questionable, financial liability on the lost or stolen Card would rest with the Cardholder. Provided that the Cardholder has complied with the terms and conditions in aII respects, a replacement Card may be issued at the sole discretion of the Bank.

7. SURRENDER/REPLACEMENT OF CARD

The Card issued to the Cardholder shall remain the property of the Bank and will be surrendered to the Bank, on request. The Cardholder shall return the Card to the Bank for cancellation in the event the services are no longer required by the Cardholder or if the services are withdrawn by the Bank for any reason whatsoever. The Bank, may, in its absolute discretion issue a replacement Card with a new PIN for any lost or stolen Card or a new PIN on the existing Card, or issue a renewal Card with a new or the same PIN on the same terms and conditions or such other terms and conditions as the Bank may deem fit. Subject to the foregoing provisions, the Cardholder will not hold the Bank liable incase of improper/fraudulent/ unauthorized/duplicate/erroneous use of the Card and/or the PIN through the Card falling in the hands of any third party or through the PIN coming to the knowledge of any third party.

8. TERMINATION

The Cardholder may discontinue this facility anytime by a written notice to the Bank accompanied by the return of the Card cut into two diagonally. The Cardholder shall be liable for all charges incurred, up to the receipt of the written notice duly acknowledged. The Bank shall be entitled to discontinue this facility at any time by canceling the Card with or without assigning any reason whatsoever and by giving seven day's notice. The notice shall be deemed to have been received the Cardholder within seven days of posting to the Cardholder's address in Bahrain last notified in writing to the Bank.

9. USAGE GUIDELINES

The Cardholder shall at all times ensure that the Card is kept at a safe place and shall under no circumstances whatsoever allow the Card to be used by any other individual. The Cardholder will sign the Card immediately upon receipt. The Card is the property of the Bank and must be returned to an authorised person of the Bank on request. The Cardholder shall ensure that the identity of the authorised person of the Bank is established before handing over his Card. The Cardholder will be responsible for all facilities granted by the Bank in respect of the Card and for all related charges and shall act in good faith in relation to all dealings with the Card and the Bank. The type of Transactions offered on Shared Network ATM's may differ from those offered on the Bank's own network. The Bank will only support cash withdrawal and balance enquiry Transactions that will be offered at the ATM's belonging to Shared Networks. The Bank reserves the right to change the types of Transactions supported without any notice to the Cardholder.

10. STATEMENTS AND RECORDS

The Cardholder can get a verbal or written history of his Transactions by contacting the ICICI Bank Branch Customer Care Centre. The Cardholder can also check the transaction records from the Account Statement available online at the Bank's website. The Cardholder will inform the Bank in writing within 15 days, if any irregularities or discrepancies exist in the Transactions/ particulars of the Account on any Account Statement that is made available to the Cardholder. If the Bank does not receive any information to the contrary within 15 days the Bank may assume that the Account Statement and the Transactions are correct. To ensure the Cardholder's interests, the Bank may record on camera or on video tape, at its own discretion the access to and the presence of any person while availing the use of the Card facilities. All records maintained by the Bank, in electronic or documentary form of the instructions of the Cardholder and such other details (including. but not limited to payments made or received) pursuant to this agreement, and all camera/video recordings made as mentioned above shall as against the cardholder, be deemed to be conclusive evidence of such instructions and such other details.

11. ATM USAGE

The Card is operable with the help of the confidential PIN at ATM locations. All Transactions conducted with use of the PIN will be the Cardholder's responsibility and he will abide by the record of the transaction as generated. When the Cardholder completes a transaction through an ATM he can opt to receive a printed transaction record. The amount of available funds is shown on this ATM receipt when he uses his Card. The Cardholder can also get information regarding his available funds including written statement, by contacting the ICICI Bank Branch. The Cardholder is advised to retain the record of Transactions generated by the ATM with him. The Cardholder agrees that he will only be allowed to withdraw/ make purchases worth a certain amount of funds everyday irrespective of the credit balance in the Account(s). This amount will be announced from time to time. Any attempt to violate this limit may lead to withdrawing of his Card facility. The Cardholder agrees not to attempt to withdraw/ purchase using the Card unless sufficient funds are available in the Account and in the case of any such attempt, the transaction may be declined. The onus of ensuring adequate Account balances is entirely on him.

12. MERCHANT LOCATION USAGE

The Card is acceptable at all Merchant Establishments which display the logos of the Bank/VISA and which have a POS terminal. The Card is for electronic use only as in the case of the charge slip/transaction slip printed electronically from the POS terminal. The Cardholder must sign a Sales Slip whenever the Card is used at a Merchant Establishment and should retain his copy. The Bank at an additional charge may furnish copies of the Sales Slip. Any Sales Slip not personally signed by the Cardholder, but which can be proved as being authorised by the Cardholder will be his liability. The amount of the transaction is debited from the Remittance Card account linked to the Card immediately. The Card is operable with the help of the Cardholder's signature or the PIN at POS terminals installed at Merchant locations depending on the functionality of the pos terminal. The Bank will not accept responsibility for any dealings, the Cardholder may have with the Merchant including but not limited to the supply of goods and services. Should the Cardholder have any complaints concerning any Merchant Establishment, the matter should be resolved by the Cardholder with the Merchant Establishment and failure to do so will not relieve him from any obligations to the Bank. However, the Cardholder should notify the Bank of this complaint immediately, The Bank accepts no responsibility for any surcharge levied by any Merchant Establishment and debited to the Cardholder's Account with the Transaction amount. Any charge or other payment requisition received from a Merchant Establishment by the Bank for payment shall be conclusive proof that the charge recorded on such requisition was properly incurred at the Merchant Establishment for the amount and by the Cardholder using the Card referred to in that charge or other requisition, except where the Card has been lost, stolen or fraudulently misused, the burden of proof for which shall be on the Cardholder. In case a Cardholder wishes to cancel a completed transaction due to an error or on account of merchandise return, the earlier sales receipt must be cancelled by the Merchant and a copy of the cancelled receipt must be retained in the Cardholder's possession. Reversal/refund of debits due to such Transactions will be processed 'manually and the cancelled sales slip needs to be produced by the Cardholder, if called for. The Card is not to be used at hotels during check-in and also at other locations where paying arrangement is done before completion of the purchase transaction or service. The Card should not be used for any mail order/phone order/internet purchases and any such usage will be considered as unauthorized and the Cardholder will be solely responsible.

13. GLOBAL CARDHOLDER ASSISTANCE SERVICES (VISA GLOBAL EMERGENCY ASSISTANCE HELPLINES)

The multi-lingual VISA Emergency Assistance Services Programme offers worldwide emergency referral assistance to VISA Cardholders when travelling overseas. These include a wide range of legal, medical and other services. The communications and arrangements of services of the emergency assistance programme are provided by a third-party service provider and are paid for by VISA International and the Cardholder is responsible for the cost of any and all medical, legal or other services used. Assistance is provided on a best effort basis and may not be available due to problems of time, distance or locations. The medical and/or legal professionals suggested and/or designated by VISA International are not employees of VISA International and, therefore, they are not responsible for the availability, use, acts, omissions or results of any medical, legal or transportation service. The Bank does not accept any responsibility for the arrangement or the use of such services.

14. EXCLUSION FROM LIABILITY

In consideration of the Bank providing the Cardholder with the facility of the Card, the Cardholder hereby agrees to indemnify and keep the Bank indemnified from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of providing the Cardholder the said facility of the Card or by reason of the Bank's acting in good faith and taking or refusing to take or omitting to take action on the Cardholder's instructions, and in particular arising directly or indirectly out of the negligence, mistake or misconduct of the Cardholder; breach or noncompliance of the rules. Terms and Conditions relating to the Card and the Account and/or fraud or dishonesty relating to any Transaction by the Cardholder or his employee or agents. The Cardholder shall indemnify and hold harmless the Bank from any and all consequences arising from the Cardholder not complying with any directions or regulations if any, of the CBB and/or any other Act/Authority. The Bank shall not be liable for any loss or injury that may be suffered as a result of the ATM failing to dispense cash for any reason whatsoever or for the failure, due to any reason, of a point of sale transaction using the Card. The Cardholder agrees to indemnify the Bank for any machine/ mechanical error/failure. The Cardholder shall also indemnify the Bank fully against any loss on account of misplacement by the courier or loss-in-transit of the Card/PIN. Without prejudice to the foregoing, the Bank shall be under no liability whatsoever to the Cardholder in respect of any loss or damage arising directly or indirectly out of:

1. Any defect in quality of goods or services supplied.
2. The refusal of any person to honor or accept a Card.
3. The malfunction of any computer terminal.
4. Effecting Transaction instructions other than by a Cardholder.
5. Handing over of the Card by the Cardholder to anybody other than the designated employees of the Bank at the Bank's premises.
6. The exercise by the Bank of its right to demand and procure the surrender of the Card prior to the expiry date exposed on its face, whether such demand and surrender is made and/or procured by the Bank or by any person or computer terminal.
7. The exercise by the Bank of its right to demand and procure the surrender of the Card prior to the expiry date exposed on its face, whether such demand and surrender is made and/or procured by the Bank or by any person or computer terminal.
8. The exercise by the Bank of its right to terminate any Card.
9. Any injury to the credit, character and reputation of the Cardholder alleged to have been caused by the re-possession of the Card and/or, any request for its return or the refusal of any Merchant Establishment to honor or accept the Card.
10. Any misstatement, misrepresentation, error or omission in any details disclosed by the Bank except as otherwise required by law, if the Bank receives any process, summons, order, injunction, execution distraint, levy lien, information or notice which the Bank in good faith believes calls into question the Cardholder's ability, or the ability of someone purporting to be authorised by the Cardholder, to transact on the Card, the Bank may, at its option and without liability to the Cardholder or such other person, decline to allow the Cardholder to obtain any portion of his funds, or may pay such funds over to an appropriate authority and take any other steps required by applicable law. The Bank reserves the right to deduct from the Cardholder's Account a reasonable service charge and any expenses it incurs, including without limitation reasonable legal fees, due to legal action involving the Cardholder's Card.

15. ADDITION/WITHDRAWAL OF FACILITIES

The Bank may, at its discretion, make available to the Cardholder more services on the Card, ATMs, POS Terminals, and/or other devices through Shared Networks for the Cardholder's convenience and use. All fees and charges related to Transactions done by the Cardholder at these devices, as determined by the Bank from time to time will be recovered by a debit to his Account. The Cardholder understands and agrees that the Shared Networks may provide different functionalities and service offerings and different charges for different services. The Bank shall also, in its sole discretion, at any time, without notice to the Cardholder, be entitled to 'withdraw, discontinue, cancel, suspend/or terminate the facility to use the Card and/or services related to it, at ATMs / POS Terminal/other devices within/outside Bahrain and shall not be liable to the Cardholder for any loss or damage suffered by him resulting in any way from such suspension or termination.

16. DISCLOSURES

The Cardholder hereby agrees that in case the Cardholder commits a default in payment or repayment of any amount due on the Card, ICICI Bank and/or the Central Bank of Bahrain (CBB) will have an unqualified right to disclose the details of the default including the name of the Cardholder and/or its directors/partners/ co-applicants as applicable as defaulters in such manner as ICICI Bank or CBB in their absolute discretion may think fit. The Cardholder hereby authorizes ICICI Bank to exchange, share or part with all the information relating to the Cardholder's details and repayment history information and all information pertaining to and contained in these Terms and Conditions or as expressed in the application made for the Card to its Affiliates/ other ICICI Bank Group Companies/Banks/Financial Institutions/ Credit Bureaus/ Agencies/Statutory Bodies as may be required and undertakes not to hold ICICI Bank/its Affiliates/the other group companies of ICICI Bank Group and their agents liable for use of the aforesaid information.

17. FEES/CHARGES

The annual fees for the Card will be debited to the Account on application/renewal at the Bank's prevailing rate. The fees are not refundable. The Bank reserves the right at any time to charge the Cardholder for the issue or reissue of a Card and/or any fees/charges for the Transactions carried out by the Cardholder on the Card. Any such fees and charges will be deducted automatically from the Cardholder's Account at the time the fee or charge is incurred. In addition, operators of Shared Networks may impose an additional charge for each use of their ATM/ POS Terminal/other device, and any such charge along with other applicable fees/charges will be deducted from the Cardholder's Account. There will be separate service charges levied for such facilities as may be announced by the Bank from time to time and deducted from the Cardholder's Account. In the situation that the Account does not have sufficient funds to deduct such fees, the Bank reserves the right to deny any further Transactions. The decision of the Bank is binding on the Cardholder. Any government charges, duty or debits, or tax payable as a result of the use of the Card shall be the Cardholder's responsibility and if imposed upon the Bank (either directly or indirectly), the Bank shall debit such charges, duty or tax against the Cardholder's Account. The Cardholder also authorizes the Bank to deduct from his Account, and indemnifies the Bank against any expenses it may incur in collecting money owed to it by the Cardholder in connection with the Card. (including without limitation reasonable legal fees). In case of Accounts classified as overdrawn Accounts, the Cardholder will have to rectify the Account balance position immediately. In every such situation where the Account gets overdrawn, a flat charge could be levied in addition to the interest to be charged on the debit balance in the Account. This charge will be determined by the Bank and will be announced from time to time. In the event of an Account being overdrawn due to Card Transactions, the Bank reserves the right to setoff this amount against any credit lying from any of the Cardholder's other Accounts held jointly or singly without giving any notice. Nothing in these Terms and Conditions shall affect the Bank's right of setoff, transfer and application of monies at law or pursuant to any other agreement from time to time subsisting between the Bank and Cardholder.

Details of applicable fees and charges (these are subject to change from time to time without notice, details of current fees are available at the office of the Bank at Manama Centre).

Schedule of Charges-English

Schedule of Charges - Arabic

18. DISPUTES

The Bank accepts no responsibility for refusal by any Merchant Establishment to accept and/or honor the Card. In case of dispute pertaining to a Transaction with a Merchant Establishment a Sales Slip with the signature of the Cardholder together with the Card number noted thereon shall be conclusive evidence as between the Bank and the Cardholder as to the extent of liability incurred by the Cardholder and the Bank shall not be required to ensure that the Cardholder has duly received the goods purchased/to be purchased or has duly received the service availed/to be availed to the Cardholder's satisfaction. In case the Cardholder has any dispute in respect of any charge indicated in the Account Statement, the Cardholder shall advise details to the Bank within 15 days of the Account Statement date failing which it will be construed that all charges are acceptable and in order. The Bank may at its sole discretion accept any disputes on charges older than 15 days. The Bank shall make bonafide and reasonable efforts to resolve an aggrieved Cardholder's disagreement with the applicable charge indicated in the Account Statement within two months of receipt of the notice of disagreement. If after such effort the Bank determines that the charge indicated is correct then it shall communicate the same to the Cardholder along with details including a copy of the Sales Slip or payment requisition. Any dispute in respect of a Shared Network ATM Transaction will be resolved as per VISA regulations. The Bank does not accept responsibility for any dealings the Cardholder may have with Shared Networks Should the Cardholder have any complaints concerning any Shared Network ATM, the matter should be resolved by the Cardholder with the Shared Network, and failure to do so will not relieve him from any obligations to the Bank. However, the Cardholder should notify the Bank of the complaint immediately.

19. INSURANCE BENEFIT

The Cardholder may, under the Card, be offered various insurance benefits from time to time by the Bank through a tie-up with an insurance company, The Cardholder specifically acknowledges that he shall not hold the Bank responsible for any matter arising out of or in conjunction with such insurance cover, whether for or in respect of any deficiency or defect in such insurance cover, recovery or payment of compensation, processing or settlement of claims or otherwise howsoever, and all such matters shall be addressed to and sorted out directly with the insurance company. The insurance company will be solely liable for settlement of the claim. Further, the Cardholder also agrees that the Bank may at any time (in its sole discretion and without giving any notice thereof to the Cardholder or assigning any reason thereof) suspend, withdraw or cancel the benefit of such insurance cover, and there will be no binding obligation on the Bank to continue this benefit.

20. TERMS AND CONDITIONS

The Terms and Conditions for use of the Card are as specified in this document and as amended by the bank from time to time. The Cardholder shall be deemed to have unconditionally agreed to and accepted these Terms and Conditions by signing the Card application form, or acknowledging receipt of the Card in writing, or by signing on the reverse of the Card, or by performing a transaction with the Card or by requesting activation of the Card to the ICICI Bank Bahrain Branch or after 10 days have elapsed since the Card was dispatched to his address on record. These Terms and Conditions will be in addition to and not in derogation of the Terms and Conditions relating to any account of the cardholder, The Bank may also make a change without notice if the change is necessary to maintain or restore the security of the electronic system or equipment used for the Card Transactions, The Cardholder will be notified within 30 days if such a change is made, unless disclosure would jeopardize the security of the electronic system or equipment.

21. NOTIFICATION OF CHANGES

The Bank reserves the right to alter, amend or revise any policy, benefit or feature offered on the Card as also alter any of these terms and conditions and may notify the Cardholder of any changes to the terms and conditions for use of the Card in any manner it considers appropriate. Without prejudice to the forgoing, notification of any such changes may be given by the Bank by delivering it to the Cardholder personally or by posting it to his latest address recorded with the Bank. The Cardholder must notify the Bank of any change to his address. Proof of posting to such last notified address shall be conclusive proof of the notification at the time when it ought to be delivered in due course by the post even if the notification may be returned through the post undelivered.

22. GOVERNING LAW AND JURISDICTION

ICICI Bank and the Cardholder agree that any legal action or proceedings arising out of this Terms and Conditions shall be brought in the courts or tribunals at India Bahrain and irrevocably submitting themselves to the jurisdiction of that court or tribunal. ICICI Bank may, however, in its absolute discretion commence any legal or proceedings arising out of these Terms and Conditions in any other court, tribunal or other appropriate forum, and the cardholder hereby consents to the jurisdiction. The agreement shall be governed by and construed in accordance with the laws of Bahrain.

ICICI Bank Limited Bahrain Branch reserves the right to modify the Debit Card Terms and Conditions without giving prior notice.

ICICI Bank Limited's Bahrain Branch is Licensed and regulated as an overseas conventional retail bank by the Central Bank of Bahrain, located at Manama Centre, Manama, P.O. Box-1494, Bahrain.