ABSA DIGITAL ACCOUNT

In addition to the Personal Customer Agreement, the following terms and conditions will also be applicable.

Part I – General Terms Part II – Terms of the Debit Card Part III – Terms of the Personal Accident Cover

Part I – General Terms

1. Absa Digi Account is available to ONLY Residents of Mauritius. They can either be Mauritian Nationals or Non-Mauritian Nationals.
2. After submission of your online application, our dedicated team will revert within 24 hours with a feedback. If your application has been submitted during the weekend, we will get back to you on the next working day.
3. Once you have completed the application and received a positive reply from Absa, you will need to call at any Absa branch, with your original KYC documents (Identify proof and Proof of address) to activate your account. The KYC documents should be the same as the one which have been uploaded during the Absa Digi Account opening journey.
4. Absa reserves the right, after verification of the required original documents, to require further documents from you before opening the account or to outright reject the account opening application.
5. Absa will process your personal data as set out in its Privacy Policy. We will retain information about you for as long as permitted for legal, regulatory, fraud prevention and legitimate business purposes. Once the purpose for keeping your personal data has lapsed, your personal data will be securely destroyed or de-identified. If your application is not successful, the documents and personal data you have submitted as part of your application will be securely destroyed or de-identified.
6. By submitting your application, you agree to Absa processing your data using face ID matching for the purposes of the digital identification process and verification.
7. A monthly maintenance fee as published in our Tariff Guide will be charged to your account in the event you visit any Absa branch to carry out the following:
   • Cash withdrawal, less than Rs 20,000
   • Bank transfers
   • Debit card management
   • Setting up Standing order (internal/ to other banks)
   • Setting up of direct debits
   • Request copy of statement at any Absa branch

These services are available on our digital platform and can be managed digitally remotely.

8. No minimum balance is required.
9. A free Debit Card will be issued as soon as your account is activated in any Absa branch.
   • As an Absa Debit cardholder, you will benefit from attractive discounts up to 50% in more than 300 outlets across Mauritius by virtue of our partnership with LePasseport. To view the full list of outlets and discounts, please visit LePasseport.com
   • Discounts are exclusive only to Absa cardholders.
   • No additional registrations or membership cards are required to benefit from the discounts.
   • To benefit from the discounts, Absa cardholders will only be required to pay with their Absa debit cards.
   • All discounts are non-transferable.
   • Discounts are non-cumulative or redeemable with any other promotion or sales from the respective outlets.

   Further Terms and Conditions of the Debit Card is at Part II below.

10. You shall have free unlimited internal standing orders between Absa Mauritius accounts.
11. Upon successful activation of your Absa Digi Account, you will be given a free Personal Accident cover of Rs 250,000 for 1 year. The terms and conditions of this Personal Accident Cover is at Part III below.
12. The Absa Internet Banking is a mandatory feature of the Absa Digi Account. You must register yourself during the onboarding journey. In so doing, you can easily manage your Absa Digi Account.
13. For any application of a credit facility in your name, the Bank will undertake necessary enquiry vis-à-vis the Mauritius Credit Information Bureau (MCIB).
14. As an Absa Digi Account holder, the customer segment you shall belong to is Personal. If, after opening an Absa Digi Account, you wish to upgrade your customer segment, your Absa Digi Account will be closed and a new account with a new account number will be opened.

PART II – TERMS OF THE DEBIT CARD

1. Definitions

   In this Part, “Account” means an account from which you authorise payments to be made under Condition 3. “Agreement” shall mean the contractual relationship between Absa and you in respect of the Debit Card only. “Card” means Visa Debit Card issued to you on your account. “PIN” means any Personal Identification Number issued to you or chosen by you. “Transaction” means any payment made or cash obtained by the use of a Card or a Card number. ATM” means an automated teller machine in Mauritius or abroad which displays the VISA logo.

2. Use of Card

   2.1 You must ensure that all Cards are signed immediately on receipt and that you comply with any instructions that we may give regarding the use and safekeeping of Cards.

   2.2You may only use the Card:

   (a)during the validity period embossed on the Card; and

   (b)within the credit balance and any undrawn facility on the account. (In deciding whether this has been exceeded we may take into consideration the customary pattern of your account, the amount of any Transaction not yet debited and any authorization we have given in respect of a prospective Transaction.)

   2.3You will be liable subject to the provisions of Condition 9, for the amount of all Transactions debited to the account. All foreign Transactions will be converted and debited to the account in Mauritian Rupees.

3. Payment

   On each banking day you will make one payment to us of the full amount falling due since the previous banking day (such payment to be made by debit to the account). Transactions will normally be debited to your account within 5 working days. All Transactions will be shown on your ban k statements.

4. Charges

   (a)Except in relation to cash withdrawals from our ATMs and branches in Mauritius, a handling charge may be added to the amount of any cash withdrawal.

   (b)We reserve the right at any time to charge you for the issue or re-issue of the Card and/or any fees/charges for Transactions. Transactions in a currency other than the currency of your card will be converted at the market or government set exchange rate on the date it is received by Visa for processing and the conversion shown on your statement will include a charge for our handling cost and Visa processing fees. Details of the fees and charges as applicable from time to time can be obtained from us upon request or by consulting our Tariff guide.

5. Withdrawal

   5.1Provided we consider it necessary, we may, without notice:

   (a)refuse to authorise a Transaction;

   (b)cancel or suspend the right to use the Card entirely or in respect of specific functions;

   (c)refuse to replace any Card; without affecting your outstanding obligation under this Agreement, which shall continue in force.

   5.2We accept no responsibility if a request for authorisation is declined or if a Card is not accepted in payment, or for any loss or damage resulting from the way in which either decision is communicated to you.

   5.3Cards are our property and if requested must be returned immediately to us or to any other person acting for us.

6. Ending this Agreement

   Either of us may end this Agreement by giving written notice to the other but this will only be effective once all Cards issued on your account have been returned and all liabilities under this Agreement paid. We may re-issue Cards from time to time for use in accordance with this Agreement until it is ended.

7. Safeguarding Card and PIN

   7.1You must take all reasonable steps to keep the Card safe and the PIN secret at all times.

   7.2You must keep the Card apart from any cheques. You must never allow any other person to use your Card, with or without the PIN.

   7.3You must never write the PIN on the Card or on anything usually kept with it. If you do keep a written record of your PIN, you must make a reasonable attempt to disguise it.

   7.4You may only disclose the Card number for the purpose of a Transaction, when reporting the loss or theft of the Card or when we authorise disclosure.

8. Notices from you and from us

   8.1You must notify us as soon as reasonably practicable:

   (a)If the Card is lost, stolen or liable to misuse, or the PIN has been disclosed to anyone; or

   (b)If your account includes an item which appears to you to be wrong; or

   (c)If you change your name or address

   8.2Notices under paragraph 8.1 (a) should be given to Absa, P.O BOX 284 Port Louis, Mauritius; Tel: (230) 402 1000, Fax (230) 467 0618 or during working hours to any of our branches under paragraph 8.1(b) and 8.1(c) to your own branch. In any case we require you to provide written confirmation within seven days.

   8.3We will give notice to any variation of this Agreement either in writing or by notice in our branches or the press.

9. Limit of liability

   9.1You must inform us immediately if any card is lost or stolen or you suspect your PIN is known to someone else. All relevant information must be confirmed to us in writing. We are entitled to commence investigations only upon receipt of your written confirmation. You will remain liable for unauthorised transactions on your card until we receive your notification of the loss or theft of your card or disclosure of your PIN.

   9.2You agree to give us all information in your possession relating to the loss, theft or misuse of a Card or the disclosure of the PIN and other information which may request to help us recover our property. We may require you to report the matter to the Police. You agree that we may provide the Police with any information we consider relevant. Cards reported as lost, stolen or liable to misuse must not subsequently be used; such Cards must be cut in half and returned immediately to address shown on Condition 8.2 above if they come back into your possession.

10. Refunds and Claims

    We will only credit you with a refund for a Transaction if we receive a refund voucher or other similar refund verification. No claim by you against a third party may be the subject of a claim against us. You may not assign or otherwise dispose of any rights against us.

11. Variation

    We may vary this Agreement at any time. In particular we may introduce a charge for the Card and any service provided under, or in connection with this Agreement from time to time.

12. General

    12.1We will not be liable if we are unable to perform our obligations under this Agreement, nor shall your liability to make payment under Condition 3 be discharged if we are unable to debit the account, due (directly or indirectly) to the closure of the account or to the failure of any machines, data processing systems or transmission link or to an industrial dispute or anything outside our control, or the control of our agents or sub-contractors.

    12.2We make no commitment that facilities or benefits to which you have access by the use of the Card but which do not form part of this Agreement will continue indefinitely. Such facilities or benefits may be withdrawn or varied at any time without notice.

    12.3This Agreement is governed by the laws of Mauritius and has been drawn in duplicate.

13. Product Information

    Fees and Charges	Platinum Premier	Platinum Prestige	Standard	Young Pro
    Issuance Fee	Free of charge	Free of charge	Free of charge	Free of charge
    Replacement fee(Lost/Stolen)	Free of charge	Free of charge	Rs. 100 + vat per card	Free of charge
    Maximum daily cash withdrawal	Rs. 40000	Rs. 40000	Rs. 20000	Rs. 40000
    Cash withdrawal on other bank’s Visa/Plus ATM network - Local ATM - International ATM	Free of charge Free of charge	Free of charge Free of charge	Rs. 50 Rs. 75	Free of charge Free of charge
    Statement Request (Request for statement of a/c via ATM)	Free of charge	Free of charge	Rs 25 per statement + postage fee	Rs 25 per statement + postage fee
    Forex Fee	3%	3%	3%	3%

PART III – TERMS OF THE PERSONAL ACCIDENT COVER

• The Personal Accident Cover is free for the first year ONLY.
• After the first year, the cover will lapse automatically and you will be invited to opt for an Individual Personal Policy via our Contact Centre. Should you decide to contract the Individual Personal Policy, you will be charged the the relevant charges.
• You will be required to contact Absa for any claim notifications under this cover.
• Personal Accident Insurance policy is underwritten by Eagle Insurance Ltd and are subject to their terms and conditions.
• Eagle Insurance Ltd shall not be liable for claims for injury, death or disablement arising after the insured person attains the age of 70.

Scope of cover

SHOULD ANY PERSON named in the Specification suffer bodily injury caused by accidental violent external and visible means which injury shall solely and independently of any other cause result in his death or disablement as hereinafter stated the Insurance Company will pay to the Insured for and on behalf of the person named in the Specification or in the event of his death his legal personal representatives the sum or sums of money in accordance with the Table of Benefits.

Limit of coverage:

Excess: Rs 500 for each and every claim in respect of Medical Expenses ONLY

Territorial limits: Worldwide

Condition

• Motorcycling
• Travel
• Worldwide
• Millenium General Exception
• Terrorism Exclusion Endorsement
• Sanctioned Territories Exclusion
• War and Civil War and other Perils Exclusion
• Funeral Expenses

Customers falling under the category below are EXCLUDED under the Personal Accident policy:

(a)Professional Sportsmen/Athletes (Sport Disability only) or sport teams

(b)Aircraft Crew (except if cover is provided for other than professional activities

(c)Personal Accident Insurance for professional activities of navy, army or air force personnel

(d)Group Personal Policies in respect of mines and other relative large underground works storage and processing of petroleum and gasoline at refineries

(e)Ammunition Manufacturers

(f)Vending machine Insurance and coupon business

(g)Automatic Arline Passenger covers

(h)Participation in speed races with motor vehicles of any kind

(i)Crews of ships except those employed or yatchs or pleasure craft or not exceeding six in number and Divers during professional activities

(j)Crews of offshore drilling rigs

(k)Credit Card Schemes/Covers

(l)Cover provided for the fulfilment of any demands in the event of Kidnap and/or ransom

(m)Group Accident policies of companies/entities/organizations that have as principal objects the manufacturing, processing, storage, conveyance and use of and trade in explosive substances

(n)Policies Issued for periods longer than 12 months plus odd time up to 18 months maximum

Warranty:

Not more than one of the above Benefits shall be payable in respect of the same injury or period of disablement except Medical Expenses in addition to any one of the other Benefits, nor shall any weekly benefits be payable until the total amount payable has been ascertained and agreed.

Exceptions:

(a)Arising after the insured person attains the age of 70 unless specially stated in the Specification;

(b)Resulting from suicide, attempted suicide or intentional self-injury by the insured person;

(c)Caused or contributed directly or indirectly by any existing physical defect or infirmity, the influence of drugs or intoxicating liquor, insanity or venereal disease in or on the insured person or in the case of a female by child bearing or sequelae thereof.

(d)Arising whilst the insured person is engaging in steeplechasing, polo, winter sports, football as a member of a team, mountaineering (involving the use of ropes), motor cycling, racing of any kind (other than on foot), big game hunting, underwater activities involving the use of underwater breathing apparatus, horse riding and any professional sports.

(e)Resulting from the insured person taking part in any flying except as a passenger in any aircraft fully licensed for the carriage of passengers provided that he is not acting as a member of the aircraft crew nor flying for the purpose of any trade or technical operation connected with the aircraft in which he is travelling.

How to make a claim?

Customer shall contact Absa Bank (Mauritius) Ltd for any claim notifications as soon as possible after the event giving rise to such claim.

What are the set of documents required to submit a claim?

- Duly filled claim form - Customer Identifications document (National Identity card, Passport or equivalent) - Insured identifications document (National identity card, birth Certificate for minor insured with ID of parents/legal guardian) - The Original medical report, bills and any other documents submitted by the hospital/doctor - Any other requirements which are reasonable necessary for assessing the claim

Note: The customer can address any queries about how to make a claim or in relation to an on-going claim to:

Claims Departments Eagle Insurance Ltd Eagle House, 15 A5 Wall Street, Ebene Cybercity Ebene Republic of Mauritius Alternatively, the customer can call the claims Department of Eagle Insurance Ltd on (230) 460 9200 or report the claim on the website eagle.mu or by email on nonmotorclaims@eagle.mu

I do hereby accept that my name and address will be taken as per the National Identity Card and proof of address provided during the Digi Account application.