A program that offers you LAK Points every time you use your AlAhli Credit Card. You will earn points according to the following:

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2 Dear Wessam Platinum Member, Thank you for choosing NCB as your financial solutions provider, and for choosing the AlAhli Credit Card as your preferred payment card. We are pleased to present to you the rewards and benefits of your Visa Infinite AlAhli Credit Card. Rewards LAK Program (The Program) A program that offers you LAK Points every time you use your AlAhli Credit Card. You will earn points according to the following: Card Category LAK Points earned for every SR 1 of local retail purchases LAK Points earned for every SR 1 of international retail purchases Visa Infinite Rewards Based on Wessam Platinum Membership Wessam Platinum Membership 12,000 Welcome LAK Point upon 1st transaction + 2,000 LAK Points monthly-based + 10% Additional LAK Points earning on monthly spend of SAR 75,000 and above + Early Life Cycle 10,000 LAK Points after 3 months of using SAR 25,000 per month (SAR 75,000 total) You can easily redeem your LAK Points, through our dedicated website Access to this website is easy, using your membership number which is provided to you through multiple channels as follows: 1. Printed on your AlAhli Credit Card (the 10-digit number printed under your name) 2. Printed on your monthly statement Your LAK Points can be redeemed for the following items of your choice: Airline Miles You can redeem your LAK Points for Miles in the following participating airlines: Redemption Option Number of LAK Points * Number of Airline Miles 1 Qatar Airways Q-Miles 5,000 1,000 Q-Miles 2 Malaysia Airlines Enrich Miles 5,000 1,000 Enrich Miles 3 Singapore Airlines KrisFlyer Miles 5,000 1,000 KrisFlyer Miles 4 Saudi Airlines Alfursan Miles 7,000 1,000 Alfursan Miles * Minimum per redemption, and each redemption should be in these multiples

3 Hotel Membership Points We have currently partnered with Hilton Hotel to allow LAK Points to be redeemed into Hilton HHonors Points Redemption Option Number of LAK Points * Number of Hotel Membership Points Hilton HHonors Points 30,000 10,000 Hilton HHonors Points * Minimum per redemption, and each redemption should be in these multiples Hotel Booking You can book hotels anywhere in the world at any time using your LAK Points by redeeming them at Redemption Option Number of LAK Points * SAR Value Hotel Bookings 1,000 SAR 13 * Minimum per redemption, and each redemption should be in these multiples E-Gift Card You can choose to redeem the E-Gift Card of your choice which can be used at popular stores in Saudi Arabia, Dubai, Qatar, and Lebanon. Upon your redemption, electronic E-Gift Card will be delivered within 7 working days to your address registered with us. Each E-Gift Card will be issued for a specific partner merchant. The E-Gift Card comes in multiplies of SAR 50 as follows: Redemption Option Number of LAK Points * SAR Value ** E-Gift Card 5,000 SAR 50 * Minimum per redemption, and each redemption should be in these multiples ** Or AED 50, USD 14, QAR 50 depending on the location of the participating merchant Using the E-Gift Card is easy, take a printout of the egift Card or carry the barcode on your smart phone for scanning when visiting a partner outlet. (Note: Once the barcode is scanned, any balance amount will not be refunded or carried forward.) The E-Gift Card Program is growing to have more merchants in the near future. We currently have 60 participating merchants, from different countries, included in the E-Gift Card Program. These Merchants are: Please visit our Loyalty Program website to view the full list of Participating Merchants at For example: Lomar and Virgin Megastore in Saudi Arabia Guess, istyle and more in Dubai Cashback LAK Points can also be converted into Cash (Saudi Riyals) which would be credited into your AlAhli Credit Card account. Redemption Option Number of LAK Points * SAR Value Cashback 1,000 SAR 10 * Minimum per redemption and each redemption should be in these multiples

4 Benefits Concierge Service With your busy schedule, we understand that a little assistance would go along way. Therefore, we have arranged for a 24/7 round-the-clock concierge service that will delight you with the following: Recommendation ideas for shopping, entertainment, fashion, technology trends, etc. Making travel arrangements, including booking of flights and hotels Making restaurant reservations Securing tickets to events and shows You can easily access our concierge service by calling the following numbers: Local: International: or The above are just a short list of what our concierge service can do. Try it and be amazed by how it would make life so much easier. Airport Lounge Access For your comfort while traveling, we provide you with exclusive access to selected airport lounges in key destinations such as: Dubai: Dubai International Airport London: Gatwick Airport and Heathrow Airport New York: JFK International Airport and Newark International Airport Paris: Paris CDG Airport Lebanon: Beirut Rafic Hariri International Airport Cairo: Cairo International Airport For more details and for the complete list of airports, please visit the link below: Travel Insurance When you pay for your flight ticket with your Visa Infinite AlAhli Credit Card, you ll be automatically insured as follows: Covered Benefits Maximum Limit Personal Accident Benefits Up to USD 500,000 Emergency Medical Expenses Up to USD 150,000 Dental Expenses Up to USD 10,000 Medical Evacuation and Repatriation of Remains Up to USD 500,000 Hospital Cash Up to USD 1,500 Baggage / Personal Effects Up to USD 1,000 Baggage Delay Up to USD 500 Trip Delay Up to USD 1,000 Hijacking Up to USD 500 Emergency Family Repatriation Economy Return Flight Emergency Child Repatriation Economy Flight Trip Cancellation / Curtailment Up to USD 5,000

5 Coverage is effective from the Travel Departure Date, up to a maximum of 90 days or up to the Policy Expiry Date, whichever is earlier. Cover is valid worldwide, except for Iraq, Afghanistan, and any country declared by United Nations, United States of America, United Kingdom, and/or European Union as sanctioned countries. Please refer to Terms and Conditions for more details. The above coverage benefits are subject to the insurance full terms and conditions. Save While Traveling Abroad When shopping abroad, certain merchants may give you the option to pay in Saudi Riyals rather than the local currency of the country you are in. (e.g. if you are in New York, certain merchants may offer you to choose your purchase in Saudi Riyals instead of US Dollars) Paying in Saudi Riyals with your credit card while traveling abroad is not the best way, as this subjects you to an additional fee that is more expensive than AlAhli Credit Card s currency exchange markup Don t forget! Pay with your AlAhli Credit Card in the currency of the country you are visiting and enjoy better rates Purchase Protection The loss or damage must occur within 365 days of the date of purchase and no registration of the purchase is necessary. If you need to find out the value of an item for a claim, please contact us. Protection is subject to an excess of USD 50 (or the equivalent in local currency) for each item and occurrence. Cover up to USD 7,500 per incident and USD 20,000 per year maximum An excess of USD 50 is applicable to each and every claim Loss or damage must occur within 365 days of purchase Cover is valid for items for which 100% of your items is charged to your Visa card Cover excludes boats, motorized vehicles, land or buildings, consumables, perishables or services Your payout is also subject to any other applicable policies or indemnities you may have. If other guarantees are in place, protection is limited only to the amounts not protected and up to the original purchase price. In no event will this guarantee apply as contributing protection. This protection is in excess of all other valid and collectable clauses found in other guarantee or indemnity language. For more information, please download the full terms and conditions document of purchase protection provided by Visa on Extended Warranty When you buy quality, you expect it to last. That s why we automatically double the original manufacturer s warranty up to 24 months from the date the item is purchased. You don t even need to register the purchase with us, no matter whether it s for your own use or bought as a gift. Cover up to USD 7,500 per year maximum Cover is valid for electrical household items for which 100% of your items is charged to your Visa card. The item must be purchased in a store located in your country of residence. Cover excludes boats, motorized vehicles, land or buildings, consumables, perishables or services * For more information, please download the full Terms and Conditions provided in the link below

6 Card Security EMV Chip and PIN Chip and PIN is the new, more secure way to pay with AlAhli Credit Cards. Whenever you do a transaction, you will be asked to enter a Personal Identification Number (PIN) known only to you. EMV is the Chip itself. It is a technical standard for smart payment cards, payment terminals and automated teller machines which can accept them. EMV cards are smart cards which comply with the EMV standard and they are often called Chipand-PIN. Benefits of Chip and PIN: Added peace of mind Increased security against unauthorized use your card Increased security against counterfeiting and skimming PIN Display Your AlAhli Credit Card have the smart chip and PIN feature, which gives your card more protection against forgery and fraud. To use your card, you need to have your PIN for cash withdrawal only. How to get your PIN? There are 3 ways for you to get your PIN: 1) AlAhli Phone If you are already registered for this service: Call AlAhli phone at Enter your personal number Enter your password For Credit Card, Personal Finance and Auto Lease, press 2 For Credit Card, press 1 For all other options, press 6 To listen to your Credit Cards secret PIN number, press 2 If you are not registered for this service, press 0 to ask for assistance: System will ask you for register in phone banking service Your will enter credit card information and ID You will get the personal number and password for phone banking service 2) AlAhli Online Visit AlAhlionline.com and enter your username and password your login and authentication Choose the Credit Cards menu, then select view PIN of selected card from the cards section: Additional Information Choose your preferred verification method to display your PIN Your PIN will be displayed 3 times ( To view the PIN again, please repeat from step 2 )

7 3) AlAhli Mobile Open the AlAhli Mobile App and enter your username and password your login and authentication Choose the Credit Cards menu, then select the view PIN of selected card from the Cards Section: Additional information Select the Card Number for which you wish to display the PIN Choose your preferred verification method to display your PIN Your PIN will be displayed 3 times ( To view the PIN again, please repeat from step 2 ) PIN Change To change your pin through the ATM, please follow the below steps: Insert your credit card and existing PIN number Choose change PIN Enter your new PIN then, click OK Enter your new PIN again, then click OK to confirm Secure E-Shopping Quick, easy and safe Now you can shop online with more security than ever Shop easily and securely online using your AlAhli Credit Card without having to remember the password, through access to password for once via SMS messages With NCB Secure e-shopping, you can look forward to: One-time only registration Enhanced security, with a personalized SecureCode password and personal greeting Added peace of mind, with a quick and easy secure payment process Protection against Credit Card fraud For password via SMS messages follow these steps: 1. Visits an e-merchant website and selects items to purchase 2. Check out 3. Confirm payments details by clicking confirm button 4. The verification MasterCard / Visa page is displayed to you to enter the secure code OTP 5. Option will be displayed for you to choose the registered password or request a password via SMS for once 6. Password will be sent via SMS to your mobile when choosing a password for once To create your personal secure code password, visit:

8 Activation Now, you can enjoy all those features and benefits once you activate your Visa Infinite AlAhli Credit Card with ease through one of the following channels: 1) AlAhliOnline: Login to AlAhli Online Select Credit Cards Select Activate Credit Card, and then enter your Credit Card number and expiry date Click on Online Activation, and then confirm to complete the process 2) AlAhli Mobile App: Login to AlAhli Mobile App Select Credit Cards Select Activate Credit Card, and then enter your Credit Card number and expiry date Click on the Online Activation, and then confirm to complete the process 3) Contact AlAhli Phone at Enter your personal number Enter your password For Credit Card, Personal Finance and Auto Lease, press 2 For Credit Card, press 1 To activate your Card, press 4 Enter the last eight digits of your Card to activate To verify your Credit Card, please enter the expiry date, 2 digits for month and 2 digits for year I am confident that you will find the MasterCard World AlAhli Credit Card a good companion to your daily and travel itineraries (For more information, please contact your dedicated relationship manager or our Call Center ). Yours Faithfully, Wael Abdulmouty Mohammed-Hussain Senior Vice President Head, Credit Cards Consumer Finance Division