Dear Valued Cardholders,

We would like to inform that the following information have been included in your Credit Card/-i Statement as follows:

Liability for Unauthorised Transactions

You will be liable for PIN-based unauthorised transactions if you have:

• acted fraudulently; or
• delayed in notifying within fourteen (14) calendar days after having discovered the loss or unauthorised use of your Credit Card/-i; or
• voluntarily disclosed your PIN to another person; or
• recorded your PIN on the Credit Card/-i or on anything kept in close proximity with your Credit Card/-i.

You will be liable for unauthorised transactions which require signature verification or with a contactless Card if you have:

• acted fraudulently; or
• delayed in notifying us within fourteen (14) calendar days after having discovered the loss or unauthorised use of your Credit Card/-i; or
• left your Credit Card/-i or item containing your credit card unattended in places visible and accessible to others; or
• voluntarily allowed another person to use your Credit Card/-i.

These clauses will take effect 21 days from 1/05/2021.

Thank you for banking with us.