S I G N A T U R E

6 6

77

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I hereby irrevocably assign Islamic banking Operation as my agency for purchasing commodities and selling them, and give them the right to appoint other parties for the same in the event that there is an outstanding balance against my Credit Card on the payment due date of every month as per the bank’s records

Infinite Visa World Milesâ«æ«ØfG Gõ«a ódQh ∫É«eCG

Etihad GuestSignature Visa

OÉ–’G ∞«°V Gõ«a ô°ûà樫°S

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.áØ«XƒdGh ,…ô¡°ûdG ÖJGôdGh ,Ú«©àdG ïjQÉJ ÚÑj πª©dG á¡L øe ÜÉ£Nh á«æWƒdG ájƒ¡dG øe Iȵe áë°VGh IQƒ°U ,áHƒ∏£ŸG äGóæà°ùŸG ¥ÉaQEG ≈Lôj •.ÜÉ°ù◊G ‘ óªà©ŸG ™«bƒàdG ™e √ÉfOCG ∂©«bƒJ ≥HÉ£àj ¿CG Öéj ¬fEÉa »æWƒdG »Hô©dG ∂æÑdG ‘ ÜÉ°ùM ∂jód ¿Éc GPEG •

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≈∏Y kGAÉæH Ö∏£dG Gòg ∫ƒÑb hCG ¢†aQ ∂æÑ∏d ≥ëjh ,∂æÑdG √Gôj Ée ≥ah »ÑJGQ hCG »JÉHÉ°ùM / »HÉ°ùM ó«°UQ §°Sƒàe ≈∏Y kAÉæH ábÉ£ÑdG QGó°UEG ºàj ¿CG ≈∏Y ≥aGhCG

.(¬ª°S) á«fɪàF’G äÉeƒ∏©ª∏d ájOƒ©°ùdG ácöûdG iód »∏é°S ≈∏Y kAÉæHh ¢UÉÿG √ôjó≤J

.OóëŸG ïjQÉàdG ‘ OGó°ùdG ΩóY ∫ÉM ‘ ÜÉ°ù◊G øe ™aó∏d ≈fOC’G ó◊G ´É£≤à°SÉH ≥◊G ∂æÑ∏dh ábÉ£ÑdG √ò¡d ¬àbh ‘ ≥ëà°ùŸG ≈fOC’G ó◊G OGó°S á∏°UGƒe ≈∏Y ócDhCG

I, the undersigned (applicant hereby) acknowledges that all the information and particulars I have mentioned herein are true and correct, and further I undertakes to notify the Bank in writing of any change or alteration to the said information and particulars. Failing to do so, I assumes full liability for any and all potential consequences. I acknowledges that I has read and fully understands the terms and conditions cited in this form and related attachments and agrees on it, and that my signature thereon constitutes final and irrevocable acceptance of the said terms and conditions and I agree on the following:

• Arab National Bank has the right to reject this application and keep all documents submitted by me.• Attach the required documents ID / Iqama Copy.• My below signature should be the same as that used with my ANB account, If any.• I confirm that I have received the preliminary Initial Disclosure and I consent to receiving the final Initial Disclosure via e-mail. (Card based on wealth)a) I acknowledgment that the applicant for the credit card (card based on wealth) issued by the bank based on the average balance of my current accounts will not be part of my salary and the bank has the right to reject or accept the application based on his own assessment and based on SIMAH report.b) I acknowledgment that ANB is permitted to issue the card based on the average balance, and I confirm pay the minimum due in time for this card and the bank has the right to deduct the minimum payment from the accounts in the events of non-payment on the specific date.

TERMS AND CONDITIONS

AGENCY

øe ¥É≤ëà°S’G Ωƒj ‘ á«fɪàF’G ábÉ£ÑdG ≈∏Y øjóe ó«°UQ OƒLh ∫ÉM ‘ É¡©«Hh ™∏°S AGöT ‘ »æWƒdG »Hô©dG ∂æÑdÉH á«eÓ°SE’G á«aöüŸG äÉ«∏ª©dG πchCG

.∫ƒ©ØŸG ájQÉ°S á«fɪàF’G ábÉ£ÑdG á«bÉØJG âeGO Ée òaÉfh ∫ƒ©ØŸG …QÉ°S π«cƒàdG Gòg ≈≤Ñjh Ò¨dG π«cƒàdG ≥M É¡dh ,∂æÑdG äÓé°S Ö°ùM ô¡°T πc

ΩɵMC’Gh •hô°ûdG

OÉ–’G ∞«°V ájƒ°†Y ºbQEtihad Guest Number

ábÉ£Ñ∏d ÊɪàF’G ó◊G

≥Ñ£æj ’

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Ωƒæ«JÓH٤٠٢.٥ ريال

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١٠٠ ريال

Ωƒæ«JÓHh Ωƒ«fÉà«Jh ∂«°SÓc

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١ ¥QƒàdG ìÉHQG

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á«fɪàF’G ¢ù∏H ∑QÉÑŸG äÉbÉ£H ‹h’G ìÉ°üa’GInitial Disclosure Al Mubarak Plus Credit Cards

¿ÉªàF’G ábÉ£H äÉfÉ«H 22 CREDIT CARD INFORMATION

1PERSONAL DETAILS1

,»eƒj ¢SÉ°SCG ≈∏Y ábÉ£ÑdG ÜÉ°ùM ¤EG ™aódG ¥É≤ëà°SG ïjQÉJ ó©H Oó°ùŸG ÒZ ≥ëà°ùŸG ó«°UôdÉH á°UÉÿG ¥QƒàdG á«∏ªY ìÉHQCG ±É°†J

.¬∏Ñb hCG ™aódG ¥É≤ëà°SG ïjQÉJ ‘ ≥ëà°ùŸG ó«°UôdG OGó°S ” GPEG ìÉHQC’G √òg ÜÉ°ùàMG ºàj ødh

É¡«a ∞XƒŸG ácöûdG ∞«æ°üJh 𫪩dG ÖJGQ ≈∏Y πL’G áØ∏c óªà©j *

ábÉ£ÑdG πeÉM äÉeƒ∏©e

٢ ¥QƒàdG ìÉHQG

٣ ¥QƒàdG ìÉHQG

٢٠ ºbQ óæÑdG á«ÑæL’G äÓª©dÉH IòØæŸG äÉ«∏ª©dG ≈∏Y áÑJΟG QÉK’G

á«fɪàF’G ábÉ£ÑdG á«bÉØJG ΩɵMG RôHG 3THE MOST PROMINENT PROVISIONS

`L Iô≤ØdG ٢١ ºbQ óæÑdG ≥ëà°ùŸG ≠∏Ѫ∏d ≈fO’G ó◊G ≠∏Ñe OGó°S ≈∏Y áÑJΟG QÉK’G

CG Iô≤ØdG ٢١ ºbQ óæÑdG OGó°ùdG ‘ Ì©àdG áé«àf áÑJΟG QÉK’G

٢٠ ºbQ óæÑdG ájó≤ædG äÉHƒë°ùdG ≈∏Y áé«àf áÑJΟG QÉK’G

٢٠ ºbQ óæÑdG ájó≤ædG äÓjƒëàdG ≈∏Y áÑJΟG QÉK’G

¿ÉªàF’G ábÉ£H äGõ«‡

3

πL’G áØ∏µJ ÜÉ°ùàMG á≤jôW 4TERM COST CALCULATION METHOD4

ÜÉ°ù◊G ∞°ûµH AÉ£NG 5STATEMENT ERRORS5

á«dhódG äÉ«∏ª©∏d á«aÉ°VG Ωƒ°SQ 6ADDITIONAL FEE FOR INTERNATIONAL TRANSACTIONS6

â«æ«ØfG∫ÉjQ ١,٧٢٥

Credit card limit To Be Determined

Not Applicable

Annual fees*

Administration fees

Signature & World SAR 1,150

Infinite SAR 1,725

Platinum SAR 402.5

Titanium SAR 345

Classic SAR 230

2.25%

Infinite

1.95%

Classic, Titanium, Platinum

2.5%

Foreign currencyconversion fees*

Annual Percentage Rate

Term cost

Minimum amount due

Statement Frequency

Settlement date

Late payment fee

Implications of transactions in foreign currency

Implications of paying the minimum amount due

Implications of default

Implications on cash withdrawals

Implications of cash transfer

Credit Card Features

ºàÿGh »Hô©dG ∂æÑ∏d ¢VƒØŸG ¢üî°ûdG ™«bƒJAuthorized issuer signature & stamp ΩÓà°S’Gh ´ÓW’ÉH ábÉ£ÑdG πeÉM ™«bƒJCard holder signature

From 30.36% to 50.96%

Tawarrouq Profit 1

Tawarrouq Profit 2

Tawarrouq Profit 3

5% of total due amount or SR 100, whichever is higher

21 days after Statement

SAR 100

Tawarrouq charges will be added to the card account on a daily basis for the amount due but unpaid, after thedue date, such Tawarrouq Charges will not be calculated if the due amount is paid on or before the due date.* The actual customer term cost will be assigned based on ANB’s credit policy.

In term number 20

In term number 21.C

In term number 21.A

In term number 20

In term number 20

• For any International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.775 (Liable to change as per prevailing daily rates). Profit Margin on International Transaction Amount = SAR 3,775 X 3.16% = SAR 3.894 Total value of International Transaction = SAR 3,894.29• Only for ATM International transactions an additional fee of SAR 86.25 is added.

.(»eƒ«dG ±öüdG QÉ©°SCG Ö°ùM Ò«¨à∏d á∏HÉb) ٧٧٥^٣ :±öüdG ô©°S »µjôeCG Q’hO ٠٠٠^١ ≠∏ÑŸG :™«ÑdG •É≤f ΩGóîà°SEÉH á«dhO á«∏ªY …CG •

.∫ÉjQ ٢٩^٨٩٤^٣ á«dhódG á«∏ª©dG ᪫b ‹ÉªLEG ∫ÉjQ 3،٧٧٥^٣ × ٣,١٦٪ =٨٩٤ = á«dhódG á«∏ª©dG ≈∏Y íHôdG ¢ûeÉg

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á«HÉ°ù◊G AÉ£NC’G hCG É¡«∏Y ¢VΩŸG äÉ«∏ª©dG øª°V á«dÉàdG OƒæÑdG øY ÆÓH’G ¿ÉµeE’ÉH

.∂dòH ∫ƒîŸG ¢üî°ûdG hCG ábÉ£ÑdG πeÉM πÑb øe IòØæe â°ù«d á°VƒØe ÒZ ΩGóîà°SG á«∏ªY .CG

.á≤Kƒe äGóæà°ù oe πª°ûJh É¡d ‘É°VEG í«°VƒJ ábÉ£ÑdG πeÉM Ö∏£j á«∏ªY .Ü

.ábÉ£ÑdG πeÉM ÜÉ°ùM ‘ ´Oƒe ôNBG ≠∏Ñe hCG áæFGO á«∏ªY ≠∏Ñe áaÉ°VEÉH ábÉ£Ñ∏d IQó°üoŸG á¡÷G ΩÉ«b ΩóY .ê

Ωƒ°SQ hCG ÜÉ©JCG ¢Vôa ∂dP πª°ûjh ,≥ëà°ùoŸG øe ≈∏YCG hCG πbCG Ωƒ°SôdG ¿ƒµJ å«ëH ,ábÉ£Ñ∏d IQó°üoŸG á¡÷G ¬H âeÉb »HÉ°ùM CÉ£N .O

.á«bÉØJ’Gh ΩɵMC’G ™e ≈°TɪàJ ’ ¬eQÉZ

.ábÉ£ÑdG πeÉ◊ πé°ùoŸG ¿Gƒæ©dG ¤EG áfƒª°†e á∏«°Sh …CÉH ¬∏«°UƒJ hCG ójÈdÉH …ô¡°T ÜÉ°ùM ∞°ûc ∫É°SQEÉH ábÉ£Ñ∏d IQó°üoŸG á¡÷G ΩÉ«b ΩóY .√

.ábÉ£ÑdG πeÉM äÓeÉ©àH á£ÑJô oe iôNCG AÉ£NCG …CG .h

The following items can be reported under disputed transactions or account errors.

A. An Unauthorized use transaction that is not made by the Cardholder or person authorized by the Cardholder.

B. A transaction on which the Cardholder requests additional clarification including documented evidence.

C. Failure by the Card Issuer to properly credit a payment or any other amount deposited in the Cardholder’s account.

D. Accounting error made by the Card Issuer, so that a charge would be lower or higher than it should be including

the imposition of fees or term cost that are not in accordance with the terms and the agreement in force.

E. The Card Issuer’s failure to deliver a monthly account statement to the Cardholder’s address on record.

F. Any other errors relate to Cardholder transactions.

»Hô©dG ∞JÉg ≈∏Y ∫É°üJ’G AÉLôdG QÉ°ùØà°SÓdFor inquiries, please call ANB Phone Banking 800 124 4141

- You will not pay any additional amount when you pay the full outstanding amount in due date.- Arab National Bank offers consumer credit advisory service. To benefit from this service please call 920001824- The Initial disclosure will be sent to your e-mail when the card issued. * Disclaimer: This synopsis shall not substitute reviewing the contract, its appendices, and shall not exempt from the obligations stipulated in the contract.

.¥É≤ëà°S’G ïjQÉàH ábÉ£ÑdG ≈∏Y ≥ëà°ùŸG ≠∏ÑŸG πeÉc OGó°S ∫ÉM ‘ á«aÉ°VG Ωƒ°SQ ™aO ºàj ’ -

٩٢٠٠٠١٨٢٤ ≈∏Y ∫É°üJ’G ≈Lôj áeóÿG √òg øe IOÉØà°SÓd .OGôaCÓd á«fɪàF’G äGQÉ°ûà°S’G áeóN »æWƒdG »Hô©dG ∂æÑdG Ωó≤j -

.ábÉ£ÑdG QGó°UG óæY ∂H ¢UÉÿG Êhεd’G ójÈdG ÈY »FóÑŸG ìÉ°üa’G øe áî°ùf ∫É°SQG ºà«°S -

.¬«a IOQGƒdG äÉeGõàd’G øe »Ø©j ’h ¬JÉ≤ë∏eh á«fɪàF’G ábÉ£ÑdG á«bÉØJG äÉjƒà áaÉc IAGôb øY »æ¨j ’ ¢üî∏ŸG Gòg ≈∏Y ´ÓW’G :¬jƒæJ *

áaÉ°†ŸG ᪫≤dG áÑjô°†d á∏eÉ°T*Including added tax VAT

٪٢.٥٩

٪٢.٨٨

٪٣.١٦

2.59%

2.88%

3.16%

٢٨.٧٥ ريال

٣٤.٥٠ ريال

٥٧.٥ ريال

Ωƒ°SQ طلب كشف الحساب (أقل من سنة)

Ωƒ°SQ طلب كشف الحساب (من سنة إلى خمس سنوات)Ωƒ°SQ طلب كشف الحساب

(من خمس سنوات وأك)

Statement requested fee (less than 1 year)

Statement requested fee (from 1 year to 5 years)

Statement requested fee (More than 5 years)

SAR 28.75

SAR 34.50

SAR 57.5

٢٤،٢٣ ºbQ óæÑdGIn term number 23 & 24

Signature & World ódQh ∫É«eCG h öûà樫°S

................................................................... :ábÉ£ÑdG πeÉM º°SG

........................................................................... :ájƒ¡dG ºbQ

Cardholder Name: .........................................................................................................................................................................

ID Number: ........................................................... ........................................................ ..............................................................

Agreement reference number: ..............................................................................................................................................................................................................................:á«bÉØJ’G ºbQ

Date of Agreement: ........................................................................................................................................................................................................................................:á«bÉØJ’G ïjQÉJ

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Mubarak Plus Credit Card Term and Condition

Arab National Bank ("Bank") will issue Al Mubarak Plus Credit Card ("Card"), subject to the following Terms and Conditions:- 1. Standard Definitions:

a) Card: The Bank issues the Card upon the customer’s written request. The Bank retains title to the Card, and the Customer (Cardholder) hereby undertakes to return the Card to the Bank immediately when requested by the Bank. The Cardholder also undertakes to acknowledge receipt of the Card immediately upon receiving it, and further undertakes to prevent use of the Card by any other individual.

b) Grace Period: It a grace period 21-day period following the issuance of the credit card statement, during which any amount of the debit balance can be paid without incurring any commission or profit fees.)

c) Payment Due Date: It is the period during which the amount of the debit balance can be paid without incurring any commission or profit fees, and it includes the period from the issuance of the account statement in addition to the grace period.)

2. Acceptance of the Terms & Conditions: Once the customer’s application is accepted and the customer becomes an ANB Cardholder, receipt of the Card constitutes the Cardholders’ agreement to these Terms.

3. The Cardholder has the right to cancel the Card agreement within 10 days from the date of receiving the Card, unless the Card has been activated. The Bank will not charge any fees or commission for this cancellation.

4. The relationship between the Cardholder, Issuer (Bank) and the Acceptor (Merchant) is deemed a guarantee relationship.

5. Supplementary Card: The Cardholder may obtain a Supplementary Card for anyone 18 years of age or more. The Supplementary Card is governed by the same Terms and Conditions, rights and privileges as the Primary Card. The Supplementary Card shall be tied to the Primary Card.

6. Primary Cardholder’s Liability: The Cardholder is liable for settlement of all liabilities arising from his/her use of the Primary Card and the Supplementary Cards.

7. Credit Limit: The Card limit is determined in accordance with the Bank’s general policy. The Cardholder undertakes to pay all amounts due which fall within the approved credit limit and/or any other amounts debited to the account above the credit limit. The Cardholder may submit an authenticated request to the Bank requesting to increase of his/her credit limit. The Bank reserves the right to approve or decline that request.

8. Card Repayment: a) The Bank will register transactions to the customer’s account, resulting from the Cardholder’s

utilization of the Card every 30 days. The Saudi Riyal shall constitute the basis for charging regardless of the actual transaction currency.

b) The Bank will issue a monthly statement of account, which will be dispatched to the Cardholder’s address registered on the Bank’s books, showing all transactions recorded on the account during the pervious month. The Cardholder must approach the Bank within 30 days of issuance of the statement; otherwise, the Bank will treat all information contained in the statement as true and correct.

c) The Cardholder shall make monthly payments on his/her Card account. The minimum payment due, outlined in the Cardholder’s statement, will be the minimum amount payable each month on or before the Payment Due Date. However, the Cardholder can avail of a Tawarrouq finance to settle the Card account balance, subject to Bank’s approval.

d) If the Cardholder wants to settle the Card balance through Tawarrouq finance, the Tawarrouq Finance will settle one month of the Card due as per the annual profit margin. The amount generated from the Tawarrouq finance transaction will be held by ANB for payment of amounts due on the Card account.

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e) In Case the Cardholder fails to pay the full minimum monthly payment for three consecutive installments and the Bank notifying the customer of this in advance, the Card Account will be frozen and the Cardholder will not be allowed to request any financing. The Cardholder will be offered the service of Credit advisory, and work on a settlement before applying any legal action against the delinquent Cardholder. . The Bank is entitled to assign an internal or external entity to collect the amount within one month of the expiry of the minimum payment period of "three months". The advisory services will also be provided directly to the delinquent Cardholder.

f) If the Cardholder delays payment of the amounts due on his/her Card in making purchases and cash withdrawals, then the Cardholder shall pay a monthly financial penalty for delaying the payment due, to cover any collection costs. Any surplus amount will be donated to charity. Note that failure to maintain a regular record of payment will negatively affect the credit record of the Cardholder.

9. Card Utilization Limitations: The Cardholder undertakes not to use the Card to procure any funds from any sources other than ATMs and banks.

10. Cardholder’s PIN: a) The Cardholder undertakes to maintain his/her PIN in confidence at all times and shall not disclose

the PIN, write or record it on any means which is likely to expose it to unauthorized use. b) The Cardholder undertakes to settle the value of all transactions registered in his/her account

resulting from the usage of his/her PIN whether or not the Cardholder is issued a receipt. c) The Cardholder should not choose an easy or personal date-related password for his Card and it is

preferable to change it periodically. 11. Card Replacement:

a) The Bank, at its absolute discretion, may re-issue, replace or renew the Card provided the Bank notifies the Cardholder.

b) The Bank reserves the right to approve or decline the issuance of a replacement Card in lieu of a lost or stolen Card. If approval to issue a replacement Card in lieu of a lost or stolen Card is granted, the Bank reserves the right to charge a fee. If the Bank declines issuance of replacement Card, the Cardholder has the right to obtain a refund on the remaining balance of the annual fee.

c) The Bank has the right to charge a card replacement fee due to lost, stolen or damaged card excluding the first occurrence. The Bank shall have the absolute right to amend such replacement fee, which becomes valid and effective upon lapse of 30 working days from date of notification to the Cardholder.

d) The Cardholder has the right to accept or reject the replacement Card. The Cardholder shall be deemed to have given his/her consent if he/she does not express an objection within 14 days from the issuance, or activates the replacement Card.

12. Amendments to Terms & Conditions: a) The Bank reserves the right to alter or modify any of the Terms and Conditions herein, provided such

alteration or modification does not contravene Shariah principles. The Bank will report any changes to the Cardholder in the manner it deems appropriate but without prejudice to Cardholder rights acquired pursuant to these Terms and Conditions. The amendments shall become binding on the Cardholder within 30 business days from the date of notification unless the Cardholder cancels the Card prior to the amendments date.

b) In the event of any amendment to this agreement from the Bank, the Cardholder, if not in agreement with the amendment, is entitled to terminate the agreement within 14 days of receipt of the notice of such change after paying the outstanding amount.

13. The Cardholder agrees to provide the Bank with any information that it requires for establishing and/or auditing and/or managing his/her accounts and facilities therewith and he/she authorizes it to obtain and collect any information as it deems necessary or in need for regarding the Cardholder or his/her accounts and facilities therewith, from the Saudi Credit Bureau (SCB) and to disclose that information to the said company (SCB) or to any other agency approved by Saudi Arabian Monetary Authority (SAMA). The Bank is obliged to provide Saudi Credit Bureau (SCB) or any other agency approved by Saudi Arabian Monetary Authority (SAMA) with the financial history of each credit card account.

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14. Change of Address: The Cardholder undertakes to report any change of address or communication details, e.g. mobile number, through any reliable communication channel to the Bank. Correspondence sent to the Cardholder at his/her last known address as shown in the Bank’s records shall be considered duly made and delivered.

15. Termination of Card Membership: a) The Bank may at any time terminate this Agreement and recall all cards (which are deemed to be the

Bank’s Property) without any responsibility towards, or prior notice to, the Cardholder. The Cardholder shall immediately return all cards cut in half to the Bank. If this Agreement is terminated, all the outstanding balance of the Card account shall become immediately due and payable to the Bank. Annual fee will be refunded to the Cardholder on pro rata basis for the remaining period of the year after the termination.

b) The Cardholder may at any time terminate this Agreement by providing a written notice to the Bank. Such notice shall come into force and effect only after the Card/Supplementary Cards are returned to the Bank, cut in half and the Cardholder has settled all claims associated with Card utilization. In the event that the Cardholder requests cancellation of his Card, the Card account must first be settled in full and not have any remaining outstanding debit balance. Thereafter the Card can be cancelled and Cardholder account closed. If the Cardholder requests a final clearance letter from the Bank, it will be issued after 30 days from the date of termination request, after repaying all outstanding dues. The Cardholder’s record with Saudi Credit Bureau will be updated within a maximum of 7 days of closing the account.

16. Debit Balance: Once the bank has informed the Cardholder of any outstanding amounts due for payment and demands payment within not more than 90 days from the transaction date, the Bank has the right to deduct the full outstanding amount from the Cardholder's account after obtaining the Cardholder’s prior consent.

17. Complaint Resolution: In case of any complaint with regards to Al Mubarak Plus Credit Card, the Cardholder may contact the Bank on the toll free number 8001192222 or fax the complaint to the Customers complaints resolution center on 00966112769272, or mail it directly to the Arab National Bank, Cards Centre, P.O. Box 56921, Riyadh 11564, KSA.

18. Assignment: Bank reserves the right to pledge, take action thereon, assign or transfer any or all of its rights benefits and obligations under Al Mubarak Plus Credit Card facility offered to the Cardholder, to any other party without the Cardholder prior permission. If the Bank pledges, takes action thereon, assigns or transfers any or all of its rights benefits and obligations under Al Mubarak Plus Credit Card facility, the Cardholder’s rights, benefits and obligations under this facility will remain exactly the same and he/she will be bound to the party to whom the Bank has so pledged, assigned or transferred the outstanding under Al Mubarak Plus Credit Card facility granted to the Cardholder. At the customer's request to obtain a release letter, the letter should be issued after 30 working days from the notice date to the customer of cancellation and after the payment of dues on the Card.

19. Cross Sell Rights: Bank at its sole discretion from time to time may offer to the Cardholders various optional features and banking products which are based on the Bank's policy at that point in time and the Cardholder agrees to be the recipient of these offers unless stated and submitted to the Bank in writing otherwise.

20. Fees, Charges and Financial Dues:

Annual Fee -Primary Card* Infinite SAR 1,725 – Signature & World Miles SAR 1,150 - Platinum Miles SAR 575 - Platinum SAR 402.5 - Titanium SAR 345 - Gold & Classic SAR 230.

Annual Fee - Supplementary Card* SAR 113.85 / Infinite, Signature and World Miles SAR 345.

Cash withdrawal/advance Fee* SAR 86.25 per transaction regardless of the amount withdrawn. Invalid Dispute Fee * SAR 40.25 (if investigation outcome is against Cardholder). Credit Card Account Statement less than 1 year * SAR 28.75

Credit Card Account SAR 34.5

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Statement from 1 year to less than 5 years * Credit Card Account Statement more than 5 years * SAR 57.5

Late Payment Fee (Delay Fee) SAR 100 Card replacement fee for lost card * SAR 230

Minimum Payment 5% of total due amount or SR 100, whichever is higher. Additional rate for international transactions.* • 2.59% for Infinite. • 2.88% for World Miles &

Signature. • 3.16% for Classic, Gold,

Titanium, Platinum Miles and Platinum.

Example for 2.89% Classic Credit Cards:- • For POS International Transaction Amount: 1,000 US Dollar.

Conversion rate: 3.7750 x 3.16% = 3.89429 (Liable to change as per prevailing daily rates). Total value of International Transaction = SAR 3,894.29

• For ATM International transactions we add transactions fee which is SAR 86.25

Cash Advance Limit

30% of Credit Limit (maximum single transaction value should not exceed SAR 5,000). ATM cash withdrawals are subject to limits that pertain in the jurisdiction where the Cardholder is making the cash withdrawal

*Including the Value Added Tax (VAT) Example for Platinum Credit Card with credit limit of SAR 10,000:

APR Credit Card Purchase rate *

Minimum Repayment Percentage

Months Until Balance Repaid **

36.46% 1.95% Monthly 5% 76 months * The actual Credit Card Purchase rate is based on the customer’s salary and the employer’s classification. ** If only minimum repayment is made every month, it will take 76 months to repay the full amount, keeping in mind the compounded interest added each month.

Limit Annual Fee Card Name Annual Percentage Rate (APR)

Tawarrouq profit 1

Tawarrouq profit 2

Tawarrouq profit 3

SAR 100,000 SAR 1,725 Infinite 30.36% N/A N/A

SAR 20,000 SAR 1,150 Signature & World Miles 41.36% 46.53% 50.96 %

SAR 10,000 SAR 575 Platinum Miles 41.36% 46.53% 50.96 % SAR 10,000 SAR 402.5 Platinum 36.46% 41.42% 45.68% SAR 10,000 SAR 345 Titanium 34.89% 39.79% 43.99 %

SAR 10,000 SAR 230 Classic & Gold 31.84% 36.61% 40.70 %

* The actual customer Tawarrouq profit will be assigned based on ANB’s Credit Card policy.

21. Specific Warnings:- a) Failure to comply and adhere to the above Terms and Conditions may result in the cancellation of the

card and the suspension of the Cardholder’s credit card account. b) Failure to maintain good payment history will have negative impact on the Cardholder’s credit

history at the Saudi Credit Bureau SIMAH. c) Paying only the minimum payment will extend the period the Cardholder is indebted to the Bank.

For example. For a SAR 7,000 purchase, at 5% minimum payment and 2.2% monthly markup, it will take the Cardholder 68 months for complete repayment and the card holder has to pay SAR 4,178.39 in term cost.

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22. All amounts, fees and profit margins due and payable by the Cardholder to the Bank pursuant to these terms and conditions shall be deemed to be exclusive of the Value Added Tax “VAT” and any other tax whether imposed now or in the future.

23. The rewards program "ANB Rewards": a) Only valid ANB Credit Cards can earn points. b) Infinite, Signature, Platinum and Titanium credit cards: for every 1 Saudi Riyal spent, 1 point will be

credited. c) Gold and Classic credit cards: for every 1 Saudi Riyal spent, 0.75 point will be credited. d) Cash withdrawal and SADAD Bill payments through ANB Electronic Channels are not eligible for

points. e) Only active credit cards may redeem points. f) Cardholder is eligible to redeem in multiples of 20,000 points. g) Points expire after 2 years from the date of earning. h) ANB Rewards points are not applicable for low limit cards and Miles cards.

24. ANB Miles Program: a) Only valid ANB Credit Cards can earn Miles. b) The Cardholder shall collect miles for the use of this Card in payment for purchases excluding cash

withdrawals and SADAD payments. However, the Cardholder shall not have the right to cash these miles.

c) Only active credit cards may redeem Miles. d) ANB Miles program is available for all ANB Air Miles credit card Primary and Supplementary

Cardholders. However, this ANB miles program shall not be provided to Supplementary cards separately from their corresponding Primary cards.

e) ANB reserves to itself the right of cancellation, change or replacement of the ANB Miles program or conditions, including, but not limited to miles earn rate, rates of miles’ exchange, method of calculation, deduction or exchange, with or without notice.

f) In case of delinquent or overdue payment of Cardholder obligations, the Bank shall have the right to cancel the balance of accumulated miles without prior notice.

g) The ANB Miles program shall be the sole property of the Bank and the Cardholder shall not have the right to transfer the balance of miles gained to any other account or card.

h) Miles expire after 2 years from date of earning. i) Miles calculation mechanism:

Usage Place ANB Platinum Miles Earned ANB World Miles Earned Local Transaction 0.75 miles for each SAR 10 1 miles for each SAR 10 International Transaction 1.25 miles for each SAR 10 2 miles for each SAR 10 Monthly Bonus Extra 75 miles for each SAR

1,000 spent above SAR 10,000 per month

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25. The rewards program "ETIHAD Guest Rewards": a) Only valid ANB Etihad Guest Signature Cards can earn Miles. b) The Cardholder shall collect miles for the use of this card in payment for purchases excluding cash

withdrawals and SADAD payments. However, the Cardholder shall not have the right to cash these miles.

c) Etihad Miles program is available only for ANB Signature Etihad credit card Primary and Supplementary Cardholders. However, Etihad Miles shall not be provided to Supplementary cards separately from their corresponding Primary cards.

d) ANB reserves the right of cancellation, change or replacement of the Etihad Miles program or conditions, including, but not limited to miles earn rate, rates of miles’ exchange, method of calculation, deduction or exchange, within 30 business days from the date of notification.

e) Debt of the Cardholder shall not be either delinquent or overdue in order for the Etihad miles program to continue. However, in case of delinquent or overdue payment of Cardholder obligations, the Bank shall have the right to cancel the balance of accumulated miles without prior notice.

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f) Etihad Guest Miles will be credited to the Primary Cardholder's Etihad Guest account within 48 hours of the billed transaction

g) Where a refund is made on a card, the Etihad Guest Miles total will be adjusted accordingly by ANB from subsequent Miles earnings

h) The number of Etihad Guest Miles earned from credit card spends will be displayed on the Primary Cardholder's monthly credit card statement.

i) Miles expire after 2 years from date of earning. Customers will be notified of the numbers of miles expired by Etihad Guest, via e-mail.

j) Current Etihad Guest members have the responsibility to enter their existing membership number when applying for the Card. Please note, the Etihad Guest membership number entered must be for an Etihad Guest account in the Cardholder’s name.

k) If the Cardholder is not an existing Etihad Guest member, the personal information will be shared by the Bank with Etihad to enroll the Cardholder in Etihad Guest program.

l) All Etihad Guest benefits offered with the ANB Etihad Guest Signature Card are governed by the Etihad Guest program terms and conditions. For more details Please visit www.etihadguest.com/anb.

m) Miles calculation mechanism: Usage Place ETIHAD Miles Earned Local Transaction 2 miles for each SAR 15 International transaction 4 miles for each SAR 20

26. ANB Easy Pay Program (EPP):

a) Customers can only use their existing credit limit to obtain installments. No extra credit is offered with this facility.

b) Must apply for EPP at least 2 days before the Credit Cards payment due date. c) The minimum amount for installments is SR 1,000 per purchase. d) In the event of inconsistencies between these terms and conditions and the previous ANB credit card

terms and conditions agreement, these terms and conditions shall prevail in so far as they apply to the installment plan.

e) The Maximum / Minimum installment tenure will be 3 to 12 months i.e. 3 months / 6 months / 9 months and 12 months.

f) All installment plans must be paid in full before a customer can change products. g) There is no maximum of installment plans per account. h) Cash advances are not valid for use in any installment plan. i) A Tawarrouq transaction will apply for the non-participating merchants (1%) profit rate per month

and it will be added to customer due amount. j) In the event that the customer selects the full payment method (100% of the amount due) for the

Card the installment plan will be changed to a minimum payment schedule. k) The customer may not cancel installment plans at any time during the installment period. l) If a customer wants to settle early then he must pay the remaining balance including profit margins

in full. m) ANB reserves the right to reject any request for installment plans. ANB is not liable for any claim

arising from refusals. n) In the case of a merchant installment plan, the merchant is solely responsible for all obligations and

liabilities in connection with the supply of goods/services or any defect or damage. o) Any dispute pertaining to a purchase or the provision of any goods or services lay with the merchant:

I. The Cardholder must resolve such disputes directly with the merchant. II. The liability of the Cardholder and his obligation to make payment to ANB shall not be

affected by any such disputes. III. ANB is not responsible for the investigation of or the resolution of any such dispute.

p) ANB reserves the right to cancel or suspend the installment option “Easy Pay” Program at any time, provided the Cardholder is notified 30 business days in advance of implementation.

q) In case of a credit card upgrade, all transactions on the old credit card will be transferred to the new credit card including the installment plan.

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r) ANB reserves the right to amend or alter these terms and conditions from time to time, provided the Cardholder is notified 30 business days in advance of implementation.

s) These terms and conditions are in addition to the terms and conditions as set out in the ANB cardholder agreement, which regulates the provisions of credit card facilities by ANB and any other terms and conditions imposed by ANB at any time.

27. The Bank is entitled to impose fees/charges as it deems appropriate for the Bank’s Phone Banking and ATM services after advising the Cardholder and not receiving any written objection within 30 working days of notification. The Bank is hereby authorized to, directly and without recourse to the Cardholder, debit any of Cardholder’s accounts with the Bank for such fees/charges as the same is reflected in the monthly statements.

28. These terms and conditions are governed by the applicable Kingdom of Saudi Arabia laws and must not contravene Islamic Shariah rules. Any disputes between the Bank and Cardholder shall be submitted to the Banking Disputes Committee.

29. The Cardholder assigns an agent to buy commodities from ANB on his behalf and sell them to a third party.

30. If any provision or term of this Agreement is or becomes illegal, invalid or unenforceable in any respect according to the laws and regulations of the Kingdom of Saudi Arabia, such illegality, invalidity or unenforceability shall not affect the legality, validity, or enforceability of other provisions or terms of this Agreement.

31. The Cardholder acknowledges that he/she has read and understood the Terms and Conditions stated herein and fully accepts to be bound thereby.

32. The Cardholder warrants that he/she will not use or facilitate use of his/her Card(s), whether directly or indirectly, for any purposes connected with money laundering and terrorism financing.

33. In case of discrepancy between Arabic text and English text of these Terms and Conditions, Arabic text shall prevail.

34. Tawarrouq charges will be added to the Card account on a daily basis for the amount due but unpaid, after the due date, such Tawarrouq charges will not be calculated if the due amount is paid on or before the due date.

35. Card Maintenance: a) The Cardholder undertakes to maintain the Card properly and keep it in a secure place to avoid loss

or unauthorized usage. In case the Card is lost, stolen or used illegally etc., the Cardholder shall notify the Bank immediately without delay by calling 800 124 4040 (Local) or 00966112994040 (International) or facsimile (Fax No.: 00966114601733) or notify any Visa Center of any foreign bank with subsequent written notification to Card Center. The Cardholder agrees not to disclose his/her PIN to any other party.

b) The Bank shall not be liable for any transactions or entries registered to the account and other expenses incurred in connection with Card usage during the period from the date the Card is lost, stolen, used illegally etc., to the date of proper written notification of occurrence is sent to the Bank.

c) Where the Card is lost / stolen and has been put to unauthorized use, the maximum liability of the Cardholder prior to the Cardholder reporting the loss or theft to Arab National Bank (ANB) shall be to the extent of the available credit limit or the amount of unauthorized transactions posted to the card account, whichever is lower.

d) The Card must not be used for any unlawful purposes, which includes the purchase of goods or services that contravene Sharia principles and/or are prohibited by the laws and regulations of the Kingdom of Saudi Arabia.

36. If the Card is issued against assignment of the Cardholder's monthly salary, the bank may not deduct more than 33.33% of the Cardholder's salary for active customers or 25% in the case of pensioners.

37. Provided the accountholder does not perform any debit transaction, the status will be changed to the following manner:

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a) Credit balance, an account, relationship or dealing for credit card shall be deemed “Active” if the last financial debit transaction performed by the customer or his/her authorized agent over the account is not more than 24 Gregorian months old starting from the date of the last transaction posted by the customer. b) Credit balance, an account, relationship or dealing for credit card shall be deemed “Dormant” if it completes a period of 24 Gregorian months from the date of the last financial debit transaction performed by the customer or his/her authorized agent over the account as evidenced in a reliable and documented recording or written communication in relation to transactions. c) Credit balance, an account, relationship or dealing for credit card shall be deemed “Unclaimed” if it completes a period of 5 Gregorian years (60 months) (including the Dormant Account stage) if the customer personally or his/her authorized agent does not perform a financial debit transaction as evidenced in a reliable and documented recording or written communication, the bank could not locate the customer and has exhausted all possible communications means to reach him/her. d) Credit balance, the account, relationship or dealing for credit card will be deemed “Abandoned” and the accountholder ending the relationship with the bank if it remains Unclaimed for 10 Gregorian years (i.e. 15 Gregorian years in total from the date of the last financial transaction).

38. The Bank's prevailing exchange rate on the transaction posting date (charge date) will be used for currency conversion between the transaction currency and the card account currency and is subject to fees.

39. If the Card’s credit limit is exceeded, the excess amount will be due immediately and the Bank will have the right to stop the Card and will not be reactivated until the excess amount is settled. In case the exceeded amount is not settled the Bank has the right to cancel the Card.

40. The Cardholder consents to the Bank passing any information contained in the application form relating to Al Mubarak Plus Credit Card facility and any supporting documentation which may subsequently be provided or any other information or documents relating to the history and conduct of Al Mubarak Plus Credit Card account to any actual or potential assignee or any other concerned or contracted parties.

41. Arab National Bank offers consumer credit advisory service. To benefit from this service please call 920001824

42. The Bank shall exonerate the Cardholder from all due amounts in case of death or total disability leading to permanent absence from work which results in salary discontinuation within a period not to exceed 30 days from the date the related documents are received, and any excess amount deducted as of the date of death or total disability will be refunded, provided exoneration is restricted to installments that fall due and payable post the date of death or the date total disability is proven, but excluding cases of death or total disability due to the Cardholder’s deliberate self-inflicted injury or attempted suicide, whether sane or insane at the time of the occurrence, and/or natural disasters or decisions of the court or competent judicial authority under prevailing laws, rules and regulations of the Kingdom of Saudi Arabia, and/or consumption of alcohol, drugs or illegal medicines or substances, and/or taking part in, practicing or training on any hazardous sport or competition such as participation in horse or car racing events, and/or death or injury attributed to the work nature, and/or death or total disability due to, resulting from or aggravated by nuclear weapons, nuclear radiation or radioactive pollution from any nuclear fuel or waste resulting from combustion of nuclear fuel, war, invasion, acts of a foreign enemy or war-like activities or hostilities, excluding customers of the military sector, and/or acts of sabotage and terror committed by a person or persons acting individually, on behalf of or in connection with any terrorist organization.

43. The Card will be issued free of charge to members of Al Arabi Platinum and Al Arabi Gold Schemes; however, the Bank reserves the right to reinstate and recover the Card annual fees if the Cardholder’s account no longer qualifies for Al Arabi Gold status, provided the Cardholder is notified 30 business days in advance of implementation.

44. The Bank is exempted from disclosing to the Cardholder any changes to the terms of the Agreement relating to information about the services and optional benefits associated with the Credit Card Agreement.

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45. Arab National Bank, a Saudi Joint Stock Co., Regulated and supervised by SAMA, Head office in Riyadh, Commercial registration 1010027912, License number: 4017/m/a/254, National address: 7317 King Faisal Road, Al Murabba, Unit No.1, Riyadh 12613-3536. Additional Campaign Terms and Condition The Bank has the right to reverse the credit card annual fees, provided the cardholder uses the Card before the issuance of the 3rd billing cycle with minimum amount of SR 1,000. This waiver continues to operate annually thereafter on the same condition; however, the bank reserves the right to change the minimum utilization limit from time to time provided the Cardholder is notified of any change 30 business days in advance of implementation.