Bonus Rewards Points Program From CIB. Terms and Conditions

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1 Bonus Rewards Points Program From CIB Terms and Conditions 1. General: 1.1. Bonus Rewards points program from CIB is a bonus points scheme which rewards you with points on engaging with any of the highlighted products: A. Cards All Credit & Debit Cards (except Egypt Air cobrand cards) B. Assets Unsecured Personal Loans C. Liabilities CASA FCY/LCY ( Youth only, all segments) D. Internet Banking Channel 1.2. You agree to participate in the program in accordance with these terms, which must be read in conjunction with the Account Opening, Credit Card, Loans and Internet Banking Terms and Conditions which form our banking agreement You will participate in the program automatically for FREE with no need for selfsubscription You may be disqualified from participation in the program at our discretion, if we determine: Your card account has been blocked, suspended, terminated or closed; You face legal proceedings or are under threat of so; Any of your accounts with us are delinquent or unsatisfactorily conducted for any reason; and You are or are potentially in breach of our banking agreement If you are disqualified from the Program in accordance with clause 1.4, all your unused points will be cancelled and no longer be available for use under the Program If you are the Primary Cardholder and you terminate your supplementary card, you will still be eligible to participate in the Program. Benefits which accrued up to the date of termination of your supplementary card will still be available and passed on to your card account If there is any inconsistency between the terms of this Program and the Credit Card Terms, the terms of the Program prevail CIB is entitled, at any time and without any prior notice or liability to the subscriber in any manner whatsoever, to terminate CIB Rewards program and / or cancel and / or vary its benefits or features, and / or vary, add or delete any of the terms and conditions outlined herein, and / or withdraw or change the participants of CIB Rewards program, and / or modify or limit the value of each Reward points and / or the manner of their redemption even though any of such acts may diminish the value of the Reward points already accumulated upon the bank s sole discretion without prior notice.

2 2. How Bonus Rewards points program works: 2.1. Cards: We award you points for each [Egyptian Pound] that you spend based on the total amount of Credit Card retail transactions effected on a [daily] basis and rounded down to the nearest point We do not include the following in the computation of points: Cash Advances or cash withdrawals at ATMs Annual fees charged for the Credit Cards Interest or finance charges levied on outstanding on Credit Cards Late payment and collection charges Fees and charges reversed from Credit Card accounts Commercial transactions To participate in the program, your Credit Card accounts must be in good standing. All benefits accrued under the program by the Primary or Supplementary Cardholder will be given to the Primary Cardholder If you are the Primary Cardholder, you will be entitled to use the points for redemption of goods and services. Your Supplementary Cardholder will not be entitled to perform the redemption Earning points on cards is as follows: Credit Cards: Domestic and Cross Border spend have the same earnings ratio 1. Points on POS Usage: Classic/Internet Credit Cards - 1 point for every EGP 1 Gold/Heya Credit Cards points for every EGP 1 Platinum Credit Card points for every EGP 1 and 2 points for every EGP 1 at pharmacy, Restaurants and fast food Merchants Categories 2. Sign-Up Bonus: Classic Credit Cards 3,000 points on 1 st transaction in first 2 months from card issuance date of new cards Internet Credit Cards No sign-up bonus Gold/Heya/ Titanium Credit Cards 10,000 points on 1 st transaction in first 2 months from card issuance date of new cards Platinum Credit Card 20,000 points on 1 st transaction in first 2 months from card issuance date of new cards 3. Spend Bonus: Classic Credit Cards 3,000 points on reaching EGP 5,000 spend in first 3 months from card issuance date of new cards Internet Credit Cards No spend bonus Gold/Heya/Titanium Credit Cards 10,000 points on reaching EGP 20,000 spend in first 3 months from card issuance date of new cards

3 Platinum Credit Card 20,000 points on reaching EGP 40,000 spend in first 3 months from card issuance date of new cards Debit Cards: MasterCard /Visa Classic Debit Cards 0.5 point for every EGP 1 MasterCard Platinum/ Titanium Debit Cards 1 point for every EGP Pan Bank Rewards: Earning points for different products is as follows: Assets Top-up behavior rewarded for unsecured loans Unsecured Loans 5 points for 20 EGP top-up Liabilities Points given only to Youth on CASA (FCY/LCY) One time sign up bonus given on opening a new account No points for CIB Air customers The sign up bonus is paid equally over 6 months DDA LCY/FCY (Wealth, Plus, Mass/Express) 1500 points on sign up SA LCY/FCY (Wealth, Plus, Mass/Express) 6000 points on sign up Internet Banking Channel Third party transactions rewarded post launch 500 points after 5 third party transfers If you terminate any product used to calculate Rewards, you will lose gained points from the cancelled product. But you will continue to earn points normally on your any other active product, if you are still eligible to participate in the Program. 3. Redemption 3.1. If you are not making the redemption request in person, we assume that all redemption requests made electronically online are made by yourself We issue the redemption voucher in the name and address of the primary customer. Redemption of the voucher must be made by the person named in the voucher.

4 3.3. We will process your redemption request within the time frame as specified on the website. The delivery of rewards vouchers or products may vary depending on the city that is stated on your address in the core banking system You must use the Rewards Voucher in accordance with the terms stated in the voucher. You must present the original voucher and your national valid ID / Passport used for the rewards redemption to the merchant as proof of eligibility. The merchant may require you to sign on the voucher prior to redemption Redeemed rewards are not exchangeable for other rewards, or refundable, replaceable or transferable for cash or credit under any circumstances Once you have confirmed your redemption request, it is irrevocable and you cannot ask for a refund of the points used for the redemption, or reverse your request If you have to make additional payment in order to use the Rewards Voucher, you may charge the difference to your CIB Credit / Debit Card or pay difference in cash. If the value of goods and services requested through the use of the Rewards Voucher is below the value stated in the Rewards Voucher, we or the merchant will not refund you with the difference The use of the Voucher will be subject to the terms stated therein You will be able to redeem your points through: CIB rewards website (bonus.cibeg.com) CIB call center Points are redeemed for: Vouchers that can be used at CIB participating merchants in the program Cash Back on Credit Cards Booking flight tickets and accommodation via online travel portal For Cash Back redemption, it is only applicable on valid credit card/s that are owned by the primary credit card holders. The customers is held liable for the accuracy of the credit card number used. In case of incorrect credit card number, the cash back request can be rejected at the bank s discretion, and / or if processed the bank will not be liable for any incorrect data used by the cardholder. 4. No liability 4.1. We are not liable for any goods or services or the quality or performance of such goods or services supplied by the participating merchant, shopping site, travel redemption site, service provider or other authorized agent under the Program. You must direct any complaints or

5 feedback in respect of such goods and services to the respective participating merchant, provider or agent We are not responsible for lost or stolen Rewards Vouchers or any goods and services redeemed under the Program. These will not be replaced by the Bank. 5. Access 5.1. Any access that we may grant you from our Online Rewards Redemption website, or partner websites, will transport your navigation out of our sites. We are not responsible for, do not endorse, and make no representation or warranty in connection with, any hyperlinked internet sites on our website. 6. Points Expiration 6.1. All collected point will expire after 36 months from the month of gaining the points, the points expiry will be based on first in first out basis.