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• Discounts, offers, and benefits are provided solely at the discretion of the participating merchant. The Bank does not guarantee the availability, continuity, or quality of any discount or offer. * The Bank shall not be held responsible for any refusal, withdrawal, or modification of discounts by merchants. Customers agree that the Bank is not liable to provide compensation, reimbursement, or credit in lieu of any discount not honored by a merchant. * Discounts are offered directly by merchants. The Bank is not an agent, representative, or guarantor of the merchants, their products, or services. * Discounts may be subject to merchant specific terms, conditions, exclusions, or validity periods. Customers are advised to confirm details with the merchant prior to making a purchase. * Any complaints, claims, or disputes regarding merchant discounts, merchant products, or merchant services must be addressed directly with the merchant. The Bank will not intervene or mediate such matters. * The Bank reserves the right to amend, suspend, or terminate the discount program or participating merchants at any time without prior notice. * Discounts are applicable only when payment is made using the Al Baraka Debit Card at participating merchants, subject to merchant acceptance and provision of the associated discount.

• The discounts are not valid in conjunction with other special promotions, discounts programs or vouchers defined by Askari Bank or alliance partner * The discounts cannot be combined with group discounts, parties, special events or any other offers (where applicable) * The partners reserve the right to refuse or cancel any order for any unforeseen reason at any given time * Askari Bank’s Credit & Debit Card members are entitled to discounts in respect to payments made at the alliance partners through their Askari Credit & Debit Cards only and discount is not applicable on cash transaction * Askari Bank shall not be responsible for any customer or third party for unsatisfactory or delayed performance of the partners, losses, damages, delays or cancellation by partners * Askari Bank will not be responsible for any complaint or liability whatsoever that arises with respect to items and services availed at the mentioned partner(s) * Askari Bank and the Alliance Partner reserve the right to terminate, withdraw or change the criteria of any discount offering without providing prior notice or reason * Askari Bank is not liable for the accuracy of the brand offers mentioned under alliances and for updated brand offers, please refer to the relevant alliance partner’s website * Customers may register their complaints related to banking services through Sunwai – a customer complaint management service by SBP, accessible through a web browser (https://sunwai.sbp.org.pk/) as well as a mobile application, both for Android and iOS users * Askari Credit Card & Askari Debit Card Terms and Conditions apply * Alliance Partner Terms & Conditions Apply