Article 20: Prohibited Activities

The Bank shall not permit the Agent to perform any of the following activities: a. Operating or carrying out any transactions when there is communication failure with the Bank and operating in an offline mode or on a manual basis; b. Carrying out a transaction where a receipt or acknowledgement cannot be generated; c. Charging the Customer any fees that are not approved by SAMA or included in the Agent Banking contract; d. Providing, rendering or holding itself out to be providing or rendering a banking service that is not specifically permitted in the contract; e. Conducting non-electronic transactions outside of the business premises; f. Soliciting personal information from Customers, including account details and Personal Identification Number (PIN) of Customers; g. Providing any form of manual cash services unless a written official non objection letter is obtained in this regard from SAMA; h. Carrying out any Agent Banking transactions or activities other than those approved in SAMA’s non-objection to the Agent contracted; i. Conducting any payment system services outside of SAMA’s payment system infrastructure; j. Accessing credit reports at a licensed credit bureau, as part of the loan application process; k. Disclosing any information obtained by virtue of work; l. Violating the Bank’s codes of ethics and conduct; or m. Any other prohibited activities specified herein or as may be determined from time to time by SAMA.