Cardmember will be held liable for PIN-based unauthorized transactions if they have:
| a) | acted fraudulently; |
| b) | delayed in notifying RHB Bank as soon as reasonable practicable after having discovered the loss of unauthorized use of their debit card; |
| c) | voluntarily disclosed their PIN to another person; or |
| d) | recorded their PIN on the debit card, or on anything kept in close proximity with their debit card. |
Cardmember will be held liable for any unauthorized transactions which require signature verification or with contactless card, if they have:
| a) | acted fraudulently; |
| b) | delayed in notifying RHB Bank as soon as reasonable practicable after having discovered the loss of unauthorized use of their debit card; |
| c) | left their debit card or an item containing their debit card, unattended in places visible and accessible to other; or |
| d) | voluntarily allowed another person to use their debit card |