11. Safeguarding the card

a) The Cardholder will exercise all care necessary to ensure the safety of the Card and the secrecy of the PIN at all times. The Principal Cardholder may reveal the PIN only to an Authorised User.

b) A Cardholder shall not allow any other person to use the Card with or without the knowledge of the PIN.

c) A Cardholder should never write the PIN on the Card or anything usually kept with it.

d) It is a Cardholder’s duty to safeguard his/her Card with the same intensity they would apply for cash.

e) If the Card is lost, stolen or is for any other reason liable to misuse or the PIN has been disclosed to anyone other than an Authorised User, the Cardholder must immediately notify the Card Center, directly by telephone number 3221111 or 246552-9 Nairobi and such notification must be confirmed in writing immediately either by post or fax to the Manager, I&M Bank, Card Center, P. O Box 30238, 00100 Nairobi.

f) Until the Bank receives the formal notification, the Principal Cardholder will be liable in respect of any misuse of the Card.

g) The Cardholder will give the Bank all the information in the Cardholder’s possession as to the circumstances of the loss, theft or misuse of the Card or disclosure of the PIN and take all steps deemed necessary by the Bank to assist in the recovery of the missing Card. In the event of any such loss, theft or misuse being suspected, the Bank may provide the police with any information it considers relevant. If a Card is reported as lost, stolen or liable for misuse, that Card must not subsequently be used but must be cut in half and returned immediately to the Manager, Card Center, P.O. Box 30238, 00100 GPO, Nairobi.