The real pleasure comes from knowing I have earned it.

The real pleasure comes from knowing I have earned it.

Reasons why the American Express Membership Rewards is the leading program in town. Swipe and Earn Every time you use your Card, you earn points. Be it a family dine-out or expensive jewelry, you always accumulate 1 Membership Rewards point for every Taka 50 spent in Bangladesh and US$ 1 spent overseas. Shop at the leading grocery stores in Bangladesh and earn 5 Membership Rewards Points for every Taka 50 spent. Visit our website to get the list of these stores. Points do not expire Your Membership Rewards points never expire, allowing you to choose and redeem your rewards whenever you want. Redeem rewards faster Consolidate all your spending on your American Express Credit Card and enjoy your rewards faster. Points earned by your Supplementary Cardmembers will automatically add to your points.

02 TO REDEEM YOUR POINTS, PLEASE CALL 16234

03 DINING Complimentary treats are always satisfying

04 TO REDEEM YOUR POINTS, PLEASE CALL 16234 DHAKA KOZMO BDT 1500 Voucher Code DN 0011 2900 Points PIZZA INN BDT 1500 Voucher Code DN 0012 2900 Points ABACUS RESTAURANT BDT 1500 Voucher Code DN 0013 2900 Points EFES RESTAURANT BDT 1500 Voucher Code DN 0018 2900 Points

DINING 05 TOPKAPI RESTAURANT BDT 1500 Voucher Code DN 0019 2900 Points THE KABAB FACTORY Code DN 0027 4250 Points SPAGHETTI JAZZ Code DN 0028 4250 Points EL TORO BDT 2500 Voucher Code DN 0036 5500 Points SALTZ BDT 2500 Voucher Code DN 0037 5500 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

06 TO REDEEM YOUR POINTS, PLEASE CALL 16234 CHITTAGONG HOTEL AGRABAD BDT 1000 Voucher Code DN 0009 1700 Points THE PENINSULA CHITTAGONG LTD. BDT 1300 Voucher Code DN 0010 2500 Points *BUFFET ONLY WELL PARK RESIDENCE BDT 1500 Voucher Code DN 0017 2900 Points KARAHI BDT 1500 Voucher Code DN 0020 2900 Points

DINING 07 RIVER VIEW RESTAURANT BDT 1500 Voucher Code DN 0021 2900 Points BONANZA BDT 1500 Voucher Code DN 0022 2900 Points AMBROSIA RESTAURANT LTD. BDT 1500 Voucher Code DN 0023 2900 Points THE PAVILLION Code DN 0029 4250 Points HOTEL SAINT MARTIN LTD. Code DN 0031 4250 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

08 TO REDEEM YOUR POINTS, PLEASE CALL 16234 MERIDIAN HOTEL & RESTAURANT Code DN 0032 4250 Points COX S BAZAR HANDI COX Code DN 0030 4250 Points KHULNA HOTEL ROYAL INTERNATIONAL BDT 1500 Voucher Code DN 0015 2900 Points CITY INN LIMITED BDT 1500 Voucher Code DN 0016 2900 Points

DINING 09 HOTEL CASTLE SALAM LTD. BDT 1500 Voucher Code DN 0025 2900 Points WESTERN INN INTERNATIONAL LTD. Code DN 0033 4250 Points SYLHET ROSE VIEW HOTEL BDT 1500 Voucher Code DN 0024 2900 Points WOONDAAL KING KEBAB Code DN 0026 4250 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

10 TO REDEEM YOUR POINTS, PLEASE CALL 16234 HOTEL METRO INTERNATIONAL Code DN 0034 4250 Points HOTEL SUPREME Code DN 0035 4250 Points BOGRA RED CHILLIES RESTAURANT BDT 1500 Voucher Code DN 0014 2900 Points

TO REDEEM YOUR POINTS, PLEASE CALL 16234 11

12 TO REDEEM YOUR POINTS, PLEASE CALL 16234

13 ELECTRONICS Plug in, press play and let the good times sweep you away

14 TO REDEEM YOUR POINTS, PLEASE CALL 16234 SMART TECHNOLOGIES BDT 4000 Voucher Code EL 0046 10000 Points * ONLY FOR SAMSUNG DIGITAL CAMERA * KALABAGAN OUTLET ONLY M.K. ELECTRONICS BDT 7000 Voucher Code EL 0047 17500 Points RANGS ELECTRONICS LIMITED BDT 8000 Voucher Code EL 0048 20000 Points * ALL PRODUCTS EXCEPT HAIER AIRCON TRANSCOM DIGITAL BDT 10000 Voucher Code EL 0049 25000 Points M.K. ELECTRONICS BDT 12000 Voucher Code EL 0050 30000 Points

ELECTRONICS 15 TRANSCOM DIGITAL BDT 15000 Voucher Code EL 0051 37500 Points RANGS ELECTRONICS LIMITED BDT 20000 Voucher Code EL 0052 50000 Points *ALL PRODUCTS EXCEPT HAIER AIRCON TRANSCOM DIGITAL BDT 25000 Voucher Code EL 0053 62500 Points RANGS ELECTRONICS LIMITED BDT 40000 Voucher Code EL 0054 100000 Points *ALL PRODUCTS EXCEPT HAIER AIRCON THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

16 TO REDEEM YOUR POINTS, PLEASE CALL 16234

Live your life in the royal way 17

18 TO REDEEM YOUR POINTS, PLEASE CALL 16234 DHAKA PBS LIMTED BDT 1000 Voucher Code LS 0061 2000 Points CARBON KRAFT BDT 1000 Voucher Code LS 0062 1800 Points * DIAMOND JEWELRY ONLY APAN JEWELLERS BDT 1000 Voucher Code LS 0063 2000 Points * DIAMOND JEWELRY ONLY * GULSHAN OUTLET ONLY AMIN JEWELLERS BDT 1000 Voucher Code LS 0064 1700 Points * DIAMOND JEWELRY ONLY * AVAILABLE IN ALL OUTLETS

LIFESTYLE 19 PUROBI JEWELLERS (PVT.) LTD. BDT 1000 Voucher Code LS 0065 1800 Points * DIAMOND JEWELRY ONLY PERSONA HAIR & BEAUTY LTD. BDT 3000 Voucher Code LS 0067 6000 Points CARBON KRAFT BDT 5000 Voucher Code LS 0068 8500 Points * DIAMOND JEWELRY ONLY APAN JEWELLERS BDT 5000 Voucher Code LS 0069 10000 Points * DIAMOND JEWELRY ONLY * GULSHAN OUTLET ONLY THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

20 TO REDEEM YOUR POINTS, PLEASE CALL 16234 NEW AMIN JEWELLERS BDT 5000 Voucher Code LS 0070 8000 Points * DIAMOND JEWELRY ONLY * AVAILABLE IN ALL OUTLETS PUROBI JEWELLERS (PVT.) LTD. BDT 5000 Voucher Code LS 0071 8500 Points * DIAMOND JEWELRY ONLY PARTEX FURNITURE IND. LTD. BDT 8000 Voucher Code LS 0072 18000 Points HATIL COMPLEX LTD. BDT 10000 Voucher Code LS 0073 25000 Points

LIFESTYLE 21 AKHTAR FURNITURE BDT 10000 Voucher Code LS 0074 23000 Points HATIL COMPLEX LTD. BDT 12000 Voucher Code LS 0075 30000 Points * MIRPUR OUTLET ONLY PARTEX FURNITURE IND. LTD. BDT 15000 Voucher Code LS 0076 34000 Points OTOBI BDT 20000 Voucher Code LS 0077 42000 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

22 TO REDEEM YOUR POINTS, PLEASE CALL 16234 AKHTAR FURNITURE BDT 25000 Voucher Code LS 0078 56000 Points PARTEX FURNITURE IND. LTD. BDT 35000 Voucher Code LS 0079 82000 Points OTOBI BDT 35000 Voucher Code LS 0080 82000 Points CHITTAGONG ALVIRA S BEAUTY CARE BDT 1250 Voucher Code LS 0066 2500 Points

TO REDEEM YOUR POINTS, PLEASE CALL 16234 LIFESTYLE 23

24 TO REDEEM YOUR POINTS, PLEASE CALL 16234

25 SHOPPING Surprise someone with an unexpected gift

26 TO REDEEM YOUR POINTS, PLEASE CALL 16234 DHAKA PRIYO GENERAL STORE BDT 1000 Voucher Code SH 0087 1800 Points *LADIES DRESS ONLY * NOT APPLICABLE IN DHANMONDI OUTLET NOGORDOLA BDT 1500 Voucher Code SH 0089 2900 Points ARTISAN BDT 1500 Voucher Code SH 0091 2900 Points ECSTASY X-PRESS Code SH 0093 4250 Points

SHOPPING 27 BELMONTE Code SH 0099 4250 Points ARTISTI COLLECTION LTD. Code SH 0100 4250 Points VASAVI FASHIONS LIMITED Code SH 0104 4250 Points RUPAHALI SHAREE Code SH 0105 4000 Points * SHIMANTO SQUARE (DHANMONDI OUTLET ONLY) THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

28 TO REDEEM YOUR POINTS, PLEASE CALL 16234 GULSHAN SHAREE MUSEUM Code SH 0106 4000 Points APEX ADELCHI FOOTWEAR LTD. Code SH 0107 4250 Points *LEATHER PRODUCTS (SHOES & SANDALS) PRIYO GENERAL STORE Code SH 0108 4250 Points *GENTS GARMENTS ONLY * NOT APPLICABLE IN DHANMONDI OUTLET KIDS & MOMS Code SH 0110 4250 Points *GARMENTS, TOYS, SHOES & SOCKS ONLY

SHOPPING 29 WEAVERS FURNISHING LIMITED Code SH 0111 4250 Points *CURTAIN & SOFA FABRICS RANG Code SH 0112 4250 Points ECSTASY Code SH 0113 4250 Points CELEBRATIONS Code SH 0116 4250 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

30 TO REDEEM YOUR POINTS, PLEASE CALL 16234 ECSTASY LIFESTYLE Code SH 0117 4250 Points TANJIM STREET Code SH 0118 4250 Points CATS EYE BDT 2500 Voucher Code SH 0119 5400 Points MONSOON RAIN BDT 2500 Voucher Code SH 0120 5400 Points

SHOPPING 31 CATS EYE - UNLTD BDT 2500 Voucher Code SH 0121 5400 Points THE RAYMOND SHOP BDT 2500 Voucher Code SH 0123 5400 Points TIME ZONE BDT 2500 Voucher Code SH 0124 5500 Points TANGAIL SHAREE KUTIR BDT 3000 Voucher Code SH 0125 7000 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

32 TO REDEEM YOUR POINTS, PLEASE CALL 16234 PRIYO GENRAL STORE BDT 3000 Voucher Code SH 0126 7500 Points * SHAREES & COSMETICS ONLY * NOT APPLICABLE IN DHANMONDI OUTLET AARONG BDT 5000 Voucher Code SH 0127 12500 Points AARONG BDT 7500 Voucher Code SH 0128 18500 Points CHITTAGONG LIBAAS BDT 1000 Voucher Code SH 0086 1800 Points

SHOPPING 33 SHADESH PALLI LTD. BDT 1200 Voucher Code SH 0088 2200 Points LONDON LOOK BDT 1500 Voucher Code SH 0090 2900 Points COLLECTION BDT 1500 Voucher Code SH 0092 2900 Points OPAL HOUSE Code SH 0109 4250 Points * COSTUME JEWELRY ONLY KANUNGO 1962 BDT 2500 Voucher Code SH 0122 5400 Points 1962 THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

34 TO REDEEM YOUR POINTS, PLEASE CALL 16234 KHULNA THE RAYMOND SHOP Code SH 0094 4250 Points KAMAL BROTHERS Code SH 0096 4250 Points APSORI Code SH 0101 4250 Points ABCO Code SH 0115 4250 Points SYLHET GET-UP Code SH 0095 4250 Points

SHOPPING 35 KASHISH Code SH 0097 4250 Points SHE-2 Code SH 0098 4250 Points NEW RONGILA SHAREES Code SH 0102 4250 Points BARONI Code SH 0103 4250 Points MONIPURI RUPANGON Code SH 0114 4250 Points THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

36 TO REDEEM YOUR POINTS, PLEASE CALL 16234

Visit new places and experience new things 37

38 TO REDEEM YOUR POINTS, PLEASE CALL 16234 DHAKA ASIAN HOLIDAYS LTD. BDT 10000 Code TR 0142 23000 Points CONDITIONS 1 ASIAN HOLIDAYS LTD. BDT 25000 Code TR 0143 53000 Points CONDITIONS 1 ASIAN HOLIDAYS LTD. BDT 50000 Code TR 0144 95000 Points CONDITIONS 1 COX S BAZAR PRAASAD PARADISE LTD. One night stay Code TR 0136 5000 Points CONDITIONS 2

TRAVEL 39 SEAGULL HOTELS LTD. One night stay Code TR 0137 6500 Points CONDITIONS 3 HOTEL THE COX TODAY One night stay Code TR 0138 6500 Points CONDITIONS 3 OCEAN PARADISE LTD. One night stay Code TR 0139 8500 Points CONDITIONS 3 LONG BEACH HOTEL LTD. One night stay Code TR 0140 9000 Points CONDITIONS 3 TERMS & CONDITIONS FOR TRAVEL 1 PACKAGE TOUR PROGRAMS ONLY 2 OFFER NOT APPLICABLE ON 2 DAYS BEFORE & 5 DAYS AFTER EID 3 OFFER NOT APPLICABLE ON NEW YEAR S EVE, EID OR OTHER HOLIDAY PACKAGES 4 PRIOR RESERVATION REQUIRED FOR ALL HOTELS THE REAL PLEASURE COMES FROM KNOWING I HAVE EARNED IT.

40 REWARDS index NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE 50% Annual Fee Waiver - GB Local 750 750 FE 0001 FEE 50% Annual Fee Waiver - GB Dual 1000 1,000 FE 0002 FEE 100% Annual Fee Waiver - GB Local 1500 1,500 FE 0003 FEE HOTEL AGRABAD 1700 1,000 DN 0009 DINING CHITTAGONG AMIN JEWELLERS 1700 1,000 LS 0064 LIFESTYLE DHAKA CARBON KRAFT 1800 1,000 LS 0062 LIFESTYLE DHAKA PUROBI JEWELLERS (PVT.) LTD. 1800 1,000 LS 0065 LIFESTYLE DHAKA LIBAAS 1800 1,000 SH 0086 SHOPPING CHITTAGONG PRIYO GENERAL STORE 1800 1,000 SH 0087 SHOPPING DHAKA 100% Annual Fee Waiver - GB Dual 2000 2,000 FE 0004 FEE PBS LIMITED 2000 1,000 LS 0061 LIFESTYLE DHAKA APAN JEWELLERS 2000 1,000 LS 0063 LIFESTYLE DHAKA SHADESH PALLI 2200 1,200 SH 0088 SHOPPING CHITTAGONG 50% Annual Fee Waiver - Gold 2500 2,500 FE 0005 FEE THE PENINSULA CHITTAGONG LIMITED 2500 1,300 DN 0010 DINING CHITTAGONG ALVIRA'S BEAUTY CARE 2500 1,250 LS 0066 LIFESTYLE CHITTAGONG KOZMO 2900 1,500 DN 0011 DINING DHAKA PIZZA INN 2900 1,500 DN 0012 DINING DHAKA ABACUS RESTAURANT 2900 1,500 DN 0013 DINING DHAKA RED CHILY RESTAURANT 2900 1,500 DN 0014 DINING BOGRA HOTEL ROYAL INTERNATIONAL 2900 1,500 DN 0015 DINING KHULNA CITY INN LIMITED 2900 1,500 DN 0016 DINING KHULNA WELL PARK RESIDENCE 2900 1,500 DN 0017 DINING CHITTAGONG EFES RESTAURANT 2900 1,500 DN 0018 DINING DHAKA TOPKAPI RESTAURANT 2900 1,500 DN 0019 DINING DHAKA KARAHI 2900 1,500 DN 0020 DINING CHITTAGONG

REWARDS INDEX 41 NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE RIVER VIEW RESTAURANT 2900 1,500 DN 0021 DINING CHITTAGONG BONANZA 2900 1,500 DN 0022 DINING CHITTAGONG AMBROSIA RESTAURANT LIMITED 2900 1,500 DN 0023 DINING CHITTAGONG ROSE VIEW HOTEL 2900 1,500 DN 0024 DINING SYLHET HOTEL CASTLE SALAM 2900 1,500 DN 0025 DINING KHULNA NOGORDOLA 2900 1,500 SH 0089 SHOPPING ALL* LONDON LOOK 2900 1,500 SH 0090 SHOPPING CHITTAGONG ARTISAN 2900 1,500 SH 0091 SHOPPING DHAKA COLLECTION 2900 1,500 SH 0092 SHOPPING CHITTAGONG RUPAHALI SHAREE 4000 2,000 SH 0105 SHOPPING DHAKA GULSHAN SHAREE MUSEUM 4000 2,000 SH 0106 SHOPPING DHAKA WOONDAAL KING KEBAB 4250 2,000 DN 0026 DINING SYLHET THE KABAB FACTORY LTD. 4250 2,000 DN 0027 DINING DHAKA SPAGHETTI JAZZ 4250 2,000 DN 0028 DINING DHAKA THE PAVILLION 4250 2,000 DN 0029 DINING CHITTAGONG HANDI COX 4250 2,000 DN 0030 DINING COX'S BAZAR HOTEL SAINT MARTIN LTD 4250 2,000 DN 0031 DINING CHITTAGONG MERIDIAN HOTEL & RESTAURANT 4250 2,000 DN 0032 DINING CHITTAGONG WESTERN INN INTERNATIONAL LTD 4250 2,000 DN 0033 DINING KHULNA HOTEL METRO INTERNATIONAL 4250 2,000 DN 0034 DINING SYLHET HOTEL SUPREME 4250 2,000 DN 0035 DINING SYLHET ECSTASY X-PRESS 4250 2,000 SH 0093 SHOPPING DHAKA THE RAYMOND SHOP 4250 2,000 SH 0094 SHOPPING KHULNA GET-UP 4250 2,000 SH 0095 SHOPPING SYLHET KAMAL BROTHERS 4250 2,000 SH 0096 SHOPPING KHULNA KASHISH 4250 2,000 SH 0097 SHOPPING SYLHET SHE-2 4250 2,000 SH 0098 SHOPPING SYLHET BELMONTE 4250 2,000 SH 0099 SHOPPING DHAKA ARTISTI COLLECTION LTD. 4250 2,000 SH 0100 SHOPPING ALL* APSORI 4250 2,000 SH 0101 SHOPPING KHULNA NEW RONGILA SHAREES 4250 2,000 SH 0102 SHOPPING SYLHET * AVAILABLE IN ALL OUTLETS ACROSS BANGLADESH

42 TO REDEEM YOUR POINTS, PLEASE CALL 16234 NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE BARONI 4250 2,000 SH 0103 SHOPPING SYLHET VASAVI FASHIONS LTD. 4250 2,000 SH 0104 SHOPPING DHAKA APEX ADELCHI FOOTWEAR LTD. 4250 2,000 SH 0107 SHOPPING ALL* PRIYO GENERAL STORE 4250 2,000 SH 0108 SHOPPING DHAKA OPAL HOUSE 4250 2,000 SH 0109 SHOPPING CHITTAGONG KIDS & MOMS 4250 2,000 SH 0110 SHOPPING DHAKA WEAVERS FURNISHING LTD. 4250 2,000 SH 0111 SHOPPING DHAKA RANG 4250 2,000 SH 0112 SHOPPING ALL* ECSTASY 4250 2,000 SH 0113 SHOPPING ALL* MONIPURI RUPANGON 4250 2,000 SH 0114 SHOPPING SYLHET ABCO 4250 2,000 SH 0115 SHOPPING KHULNA CELEBRATIONS 4250 2,000 SH 0116 SHOPPING DHAKA ECSTASY LIFE STYLE 4250 2,000 SH 0117 SHOPPING DHAKA TANJIM STREET 4250 2,000 SH 0118 SHOPPING DHAKA 100% Annual Fee Waiver - Gold 5000 5,000 FE 0006 FEE PRAASAD PARADISE LIMITED 5000 One Night Stay TR 0136 TRAVEL COX'S BAZAR CATS EYE 5400 2,500 SH 0119 SHOPPING ALL* MONSOON RAIN 5400 2,500 SH 0120 SHOPPING ALL* CATS EYE -UNLTD 5400 2,500 SH 0121 SHOPPING DHAKA KANUNGO 1962 5400 2,500 SH 0122 SHOPPING CHITTAGONG THE RAYMOND SHOP 5400 2,500 SH 0123 SHOPPING DHAKA EL TORO 5500 2,500 DN 0036 DINING DHAKA SALTZ 5500 2,500 DN 0037 DINING DHAKA TIME ZONE 5500 2,500 SH 0124 SHOPPING ALL* PERSONA HAIR & BEAUTY LTD. 6000 3,000 LS 0067 LIFESTYLE ALL* SEAGULL HOTELS LTD 6500 One Night Stay TR 0137 TRAVEL COX'S BAZAR HOTEL THE COX TODAY 6500 One Night Stay TR 0138 TRAVEL COX'S BAZAR TANGAIL SHAREE KUTIR 7000 3,000 SH 0125 SHOPPING DHAKA PRIYO GENERAL STORE 7500 3,000 SH 0126 SHOPPING DHAKA NEW AMIN JEWELLERS 8000 5,000 LS 0070 LIFESTYLE DHAKA CARBON KRAFT 8500 5,000 LS 0068 LIFESTYLE DHAKA

REWARDS INDEX 43 NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE PUROBI JEWELLERS (PVT.) LTD. 8500 5,000 LS 0071 LIFESTYLE DHAKA OCEAN PARADISE LIMITED 8500 One Night Stay TR 0139 TRAVEL COX'S BAZAR LONG BEACH HOTEL LTD. 9000 One Night Stay TR 0140 TRAVEL COX'S BAZAR SMART TECHNOLOGIES 10000 4,000 EL 0046 ELECTRONICS DHAKA APAN JEWELLERS 10000 5,000 LS 0069 LIFESTYLE DHAKA AARONG 12500 5,000 SH 0127 SHOPPING DHAKA M.K. ELECTRONICS 17500 7,000 EL 0047 ELECTRONICS DHAKA PARTEX FURNITURE INDUSTRIES LTD 18000 8,000 LS 0072 LIFESTYLE ALL* AARONG 18500 7,500 SH 0128 SHOPPING DHAKA RANGS ELECTRONICS LTD. 20000 8,000 EL 0048 ELECTRONICS ALL* AKHTAR FURNITURE 23000 10,000 LS 0074 LIFESTYLE ALL* ASIAN HOLIDAYS LTD. 23000 10,000 TR 0142 TRAVEL DHAKA TRANSCOM DIGITAL 25000 10,000 EL 0049 ELECTRONICS ALL* HATIL COMPLEX LTD. 25000 10,000 LS 0073 LIFESTYLE DHAKA M.K. ELECTRONICS 30000 12,000 EL 0050 ELECTRONICS DHAKA HATIL COMPLEX LTD. 30000 12,000 LS 0075 LIFESTYLE DHAKA PARTEX FURNITURE INDUSTRIES LTD 34000 15,000 LS 0076 LIFESTYLE ALL* TRANSCOM DIGITAL 37500 15,000 EL 0051 ELECTRONICS ALL* OTOBI 42000 20,000 LS 0077 LIFESTYLE DHAKA RANGS ELECTRONICS LTD. 50000 20,000 EL 0052 ELECTRONICS ALL* ASIAN HOLIDAYS LTD. 53000 25,000 TR 0143 TRAVEL DHAKA AKHTAR FURNITURE 56000 25,000 LS 0078 LIFESTYLE DHAKA TRANSCOM DIGITAL 62500 25,000 EL 0053 ELECTRONICS ALL* PARTEX FURNITURE INDUSTRIES LTD 82000 35,000 LS 0079 LIFESTYLE ALL* OTOBI 82000 35,000 LS 0080 LIFESTYLE DHAKA ASIAN HOLIDAYS LTD. 95000 50,000 TR 0144 TRAVEL DHAKA RANGS ELECTRONICS LTD. 100000 40,000 EL 0054 ELECTRONICS ALL* * AVAILABLE IN ALL OUTLETS ACROSS BANGLADESH

44 TO REDEEM YOUR POINTS, PLEASE CALL 16234 SIMPLE STEPS TO EARN AND REDEEM points

EARN & REDEEM POINTS 45 4 SIMPLE STEPS TO REDEEM YOUR MEMBERSHIP REWARDS POINTS Call us at our 24-hour Call Center at 16234 (for local calls) or at (+88) 02 9569553-4 (for overseas calls) when you want to redeem your accumulated Membership Rewards Points. Provide the Item Code (IC) of your preferred reward from this catalog. The Customer Service Executive will confirm the acceptance of your redemption request. Receive the Reward Redemption Voucher(s) in your mailbox within 07 working days after acceptance of your request. Take the voucher to the designated merchant for receiving the Membership Rewards item. This might be subjected to some prior formalities as stated by the merchants (eg. Hotel merchants need prior booking). 3 EASY TIPS TO EARN MORE MEMBERSHIP REWARDS POINTS Use your American Express Credit Card every time you shop, dine and entertain. Enroll in EasyPay auto-debit facility designed especially for you to pay your various monthly bills (e.g. mobile bills, tuition fees for your children etc.) Use your American Express Credit Card to avail our FlexiBuy instalment purchase program at 0% interest for purchases such as LCD TV or air tickets to your favorite travel destinations.

46 FREQUENTLY ASKED questions Q: Who will be eligible for the Membership Rewards Program? A: Any City Bank American Express Credit Cardmember possessing either American Express Credit Card or American Express Gold Credit Card, but not American Express Corporate Card. Q: How can interested Cardmembers enroll in this program? A: All City Bank American Express Credit Cardmembers are automatically enrolled in the Membership Rewards Program (no additional enrolment procedure is required). Q: How do I earn Membership Rewards Points? A: You earn 1 Point for every 50 Taka on any local retail purchase (BDT) as well as for every US$1 spent overseas with your City Bank American Express Credit Card. You also earn Points whenever you pay for FlexiBuy instalment purchase program or pay bills through our EasyPay auto-debit facility. Q: Can Supplementary Cardmembers also earn Membership Rewards Points and claim a Reward? A: Supplementary Cardmembers cannot claim a reward, but can earn Membership Rewards points based on all retail transactions carried through the Supplementary Card. Points earned by a Supplementary Cardmember are automatically SIMPLE STEPS TO EARN AND REDEEM transferred to the Primary Card Account. Only a Primary Cardmember can request for redemption of Rewards. points Q: How do I redeem Membership Rewards Points for claiming a Reward? A: Call us at our 24-hour Call Center at 16234 (for local calls) or at (+88) 02 9569553-4 (for overseas calls) when you want to redeem the Membership Rewards Points that you have accumulated. Q: How long will it take to receive a Reward? A: You will receive a Rewards Redemption Voucher by mail within 07 business days of contacting us. You will have to collect your chosen Rewards personally from the participating merchants against whom the voucher has been issued. Q: Are the Membership Rewards Points encashable? A: The Points are not redeemable for Cash or Credit. You can

FREQUENTLY ASKED QUESTIONS 47 order a Reward of your choice from the Rewards Catalog. Q: How can I keep track of my Membership Rewards Points? A: Your monthly Credit Card statement will show your total earned and redeemed Membership Rewards Points. Q: Will my earned Points expire if I do not redeem them? A: There is no expiry date for points earned in this program. However, The City Bank Limited reserves the right to institute an expiry date for points whether points have already been accrued or accrued thereafter. Q: What happens to my Membership Rewards Points when my Credit Card is upgraded/downgraded? A: Membership Rewards Points will automatically be transferred to your new account. Q: Can I break-up the total Membership Rewards Points I have earned for multiple Rewards? A: Yes. However, it also depends on the availability of the items of your choice. Q: Can I combine Membership Rewards Points earned on two different Cards for the redemption of one item? A: The Points earned on more than one card shall remain separate and distinct and cannot be aggregated for any purpose. Q: Are Points transferable to some other accounts? A: Points that are earned cannot be encashed, sold, transferred or otherwise assigned from one Card Account to another. Q: Do I earn any Membership Rewards Points for the transactions I make when I am abroad? A: You can earn points for any purchases made abroad with your American Express Credit Card. For every US$1, you earn 1 point. Q: Do I earn any Membership Rewards Points when I use my American Express Credit Card for cash withdrawal? A: Points are provided only on retail purchases in Bangladesh and abroad. Q: How can the Cardmember get further information or raise query regarding this program? A: Cardmember can call us at our 24-hour Call Center at 16234 (for local calls) or at (+88) 02 9569553-4 (for overseas calls) for any sort of query.

48 TERMS AND conditions 1. DEFINITIONS Bank means The City Bank Limited (City Bank), its successors and its assignees. Working Day means a day other than a Govt. Holiday or Friday/ Saturday that Bank is open for business in Bangladesh. Membership Rewards Catalog means the catalog of Membership Rewards published by the Bank from time to time. Tk., Taka or BDT means the lawful currency of the Peoples Republic of Bangladesh. USD or US Dollars means the lawful currency of the United States of America. American Express" and "AmEx" means American Express International, Inc., its affiliates and licensees. "Cardmember" means a holder of an American Express Credit Card issued by The City Bank Limited, an individual whose name is in a Card Account and who is responsible for all transactions and liabilities on the Card Account. It includes Primary and any Supplementary Cardmember. "Credit Card" means any American Express Credit Card (Local/Dual) or American Express Gold Credit Card issued by the Bank to the Cardmember and includes Primary, Supplementary and Replacement Cards. But any American Express Corporate Card issued by the bank will not be considered for this program. "Card Account" means the Credit Card Account opened by the Bank for the purpose of entering all credits and debits received or incurred by the Primary Cardmember and the Supplementary/ additional Cardmember, if any, under the terms and conditions governing the Card Account. "Program" means the American Express Membership Rewards Program (MR) in Bangladesh. The Membership Rewards Program is established by the Bank to reward and recognize Cardmembers for their loyalty and credit worthiness in the use of Credit Cards and does not constitute any promotion program or consideration for use of the Cards or any other services or commitment whatsoever and hence does not create any legal obligations on the Bank towards the Cardmembers. The Membership Rewards Program will enable Cardmembers to accumulate Membership Rewards Points that may subsequently be redeemable for rewards as detailed in this Membership Rewards Catalog subject to the conditions of the Program. Launch Date means the date on which the Bank launches American Express Membership Rewards Program in Bangladesh. "Enrolment Date" means the date on which Primary Cardmember s Card contract is created. "Points" means Membership Rewards Points, accumulated by a Cardmember through participation in the Membership Rewards Program of American Express Credit Card in Bangladesh. Point calculation is determined by the Bank and can be varied from time to time. "Service Establishment" means a business or organization which accepts American Express Credit Card in Bangladesh. "Supplementary Cards" means a Card issued and whose charges are chargeable to the Primary Card. Reward means a gift, service, voucher or entitlement available to a Cardmember under Membership Rewards program, as published in this Membership Rewards Catalog (that is current at the date of redemption request by the Cardmember) during the course of the same Membership Rewards Program. 2. ELIGIBILITY AND ENROLMENT 2.1 Participation in the Membership Rewards Program is open to all American Express Credit Cards issued by the Bank but not valid for any American Express Corporate Cards issued by the Bank. 2.2 American Express Credit Card and American Express Gold Credit Card issued by the Bank will be automatically enrolled in the Program.

TERMS AND CONDITIONS 49 2.3 Points earned by any Supplementary Card(s) will automatically accrue to the Primary Card Account. Supplementary Cards cannot be enrolled separately from the Primary Card. 2.4 Each Cardmember holding an American Express Credit Card at the launch date shall automatically qualify to participate in the Membership Rewards Program and may accumulate Membership Rewards Points. Any Cardmember acquiring Credit Cards after the launch date will participate in the Program from the date their Credit Card contract is created (Enrolment date). 2.5 No Membership Rewards Point shall accrue in respect of a transaction where Bank believes that: a) A false, inaccurate, or fraudulent Credit Card transaction has occurred. b) The accuracy, amount or other particulars of any Credit Card transaction are disputed by the Bank, a Cardmember, the Service Establishment or any other party. c) The validity or any credit transaction for payment purpose is challenged for any reason whatsoever. Following investigation, if the Bank determines that the transaction is valid and accurate in all respect; the Membership Rewards Points attributable to that transaction will be accumulated for the Cardmember. 2.6 Unless otherwise determined by the Bank, any breach of the terms and conditions governing the Card Account by any Cardmember shall automatically disqualify that Cardmember from participation in the Program and any Membership Rewards Points that have been accumulated by that Cardmember shall be immediately forfeited. 3. POINTS ACCRUAL 3.1 Except for promotional offers/campaigns, every Cardmember enrolled in the Program will accrue one Membership Rewards Point for every BDT 50 and US$ 1 spent on their Credit Card, charged and billed on the Card Account. Cardmembers are also eligible to earn 5 Membership Rewards Points on every BDT 50 spent at the selected grocery stores in Bangladesh. No Membership Rewards Points will accrue in the respect of: a. Charges processed and billed prior to the Launch Date b. Cash advances (ATM transactions) c. Charges for dishonored cheques d. Any sort of fees, finance charges, interest charges, additional expenses, damages, payment of premiums for insurance policies or products, financial penalties of any kind, any legal costs and disbursements, charges or tax imposed on the account by the Bank from time to time, which will be debited to the Card Account. e. Balance Transfers. 3.2 A Cardmember will accumulate Membership Rewards Points by reference to the value of retail purchases, less any reversals of retail transactions, made by that Cardmember using his/her Credit Card during the course of the Program. If any reversal of retail transactions occurs, the Membership Rewards Points accumulated against that transaction(s) would be deducted from total Membership Rewards Points balance; even if those Points have already been redeemed. 3.3 Membership Rewards Points accrued in a Credit Card are not the property of the Cardmember and are non-transferable, cashed out, sold, transferred or otherwise assigned from one Cardmember to another. 3.4 Membership Rewards Points accrued in the Credit Card have no cash or monetary value. 3.5 Membership Rewards Points earned through spending by a Supplementary Cardmember will be credited to the Account of Primary Cardmember and could be used by the Primary Cardmember only for redemption of Rewards. 3.6 Bank may at any time vary the range of Credit Card transaction that qualifies for Membership Rewards Points under the Program. 3.7 Membership Rewards Points will accumulate on a daily basis by reference to the total value of qualifying transactions made. 3.8 In case of fraction amounts, the remaining unused transaction amount after calculating Membership Rewards Points for the whole amount in multiples of Tk. 50 and/or multiples of US$ 1 will not be accrued or clubbed with future qualifying transactions. 4. POINTS EXPIRATION 4.1 There is no expiry date for Points earned while participating in the Program.

50 TERMS AND CONDITIONS 4.2 The Bank reserves the right to institute an expiry date for Membership Rewards Points whether Points have already been accrued or accrued thereafter. 4.3 In case the Cardmember Agreement expires (i.e. the Card is cancelled), any Points, which have not yet been redeemed, will automatically be lapsed/revoked immediately from the Credit Card. 4.4 In case of expiration of a Credit Card, the accumulated Membership Rewards Points relating to that Credit Card shall be carried forward. 4.5 Unless otherwise determined by the Bank, each Membership Rewards Program will run for a specified period and the Bank shall determine the duration on each Membership Rewards Program period in its sole discretion. 4.6 The Membership Rewards Program is subject to automatic annual renewal unless discontinued by the Bank at its sole discretion. 5. NOTICES OF ACCUMULATED POINTS The Bank will notify the number of Points accrued to the Primary Cardmember in the monthly Card statement of the Primary Account. 6. POINTS REDEMPTION 6.1 Membership Rewards Points may be redeemed provided all enrolled Credit Cards are in good standing at the time of the redemption request. Any redemption request of Cardmembers having an overdue with 1 month or above aging, at the time of the redemption request, would not be eligible. 6.2 Membership Rewards Points accrued in the Cardmember s Credit Card can only be redeemed by the Primary Cardmember. 6.3 Annual fee waiver is only applicable for Primary Cardmember. 6.4 In case of Service Establishments with multiple outlets, the Cardmember must select the specific outlet from which s/he will redeem the voucher at the time of making redemption request to the Call Center. 6.5 By redeeming a Reward, the Cardmember releases the Bank and its affiliates from any and all liability regarding the redemption or use of the Reward. 6.6 Any dispute concerning goods or services received as a Reward under the Program shall be settled between the Cardmember and the Service Establishment, which supplied the goods or services. The Bank will bear no responsibility for resolving such disputes, or for the dispute itself. 6.7 The Bank is not responsible for lost or stolen Rewards and Reward vouchers. 6.8 Redeemed Rewards are not exchangeable for other Rewards, or refundable, replaceable, or transferable for cash or credit under any circumstances. 6.9 Once accrued Membership Rewards Points in a Cardmember s Credit Card have been redeemed for any Reward in the Program, such Points cannot be refunded or transferred back into the Cardmember s Program Account. 6.10 Information supplied on the redemption of Rewards may be used by the Bank or the Service Establishments that provide the Rewards for administrative and marketing purposes. 6.11 The Bank reserves the right to cancel, change or substitute the Rewards or the Rewards conditions at any time with or without notice. 6.12 All Membership Rewards are subject to availability and certain restrictions may apply. The redemption procedure and the terms and conditions applicable to each Reward are set forth in the Membership Rewards voucher issued to the Cardmember. 6.13 Any additional meals, transportation or accommodation arrangements made in connection with any Membership Rewards will be the sole responsibility of the Cardmember. 6.14 In the event that the Reward takes the form of a cash coupon, should the Cardmember purchase goods or services in excess of the value noted on the cash coupon, the Cardmember must use the Card to settle payment or the difference to the participating Service Establishment. 6.15 Unless otherwise specified, allowing usage of the Membership Rewards voucher in association with other special offers offered by the Service Establishment will be at the sole discretion of the Service Establishment. 6.16 Issuance of a dining or travel Membership Rewards voucher might not constitute a reservation. The Membership Rewards voucher holder is responsible for making all reservations and notifying the participating Services Establishment of the Reward(s) they are going to redeem.

TERMS AND CONDITIONS 51 6.17 Other American Express Card benefits may not apply to goods or services received as Rewards under the Program. 6.18 Cardmembers may accumulate Membership Rewards Points and redeem those Points for Rewards from the current Membership Rewards Catalog only. 6.19 If the stocks of any Membership Rewards have been exhausted and Bank cannot replace it with a similar product/model of equivalent value, that Reward shall cease to be available. Bank shall have no obligation or liability to any Cardmember or any other party where a Reward ceases to be available. Where a Cardmember attempts to claim a Reward that has ceased to be available, Bank will advise the Cardmember of that fact and the sole entitlement of that Cardmember shall be to claim an alternative Reward for a similar number of Rewards Points. 6.20 Cardmembers shall direct all enquiries, requests or correspondence in relation of the Membership Rewards Program, including redemption of Membership Rewards Points for Rewards, to the American Express Customer Service Center at 16234 (locally) or (+88) 02 9569553-4 (for overseas calls) or any such other number or numbers as may be notified by the Bank by general publication or otherwise from time to time. Cardmembers redemption requests shall be made by telephone or other method approved by the Bank from time to time. Only Primary Cardmember will be able to request a Reward. 6.21 The Bank will issue a Membership Rewards voucher along with a Notification Letter to the Cardmember in his/her billing address advising him/her to collect the Rewards from a specific Service Establishment. The Cardmember will present the Membership Rewards voucher to the designated Service Establishment together with his/her Credit Card and sign an acknowledgement receipt for the Reward. The merchant will match the signature of the Cardmember with the back of the Credit Card and then deliver the Reward to the Cardmember. 6.22 It is anticipated that the Bank shall require 07 working days time to process Membership Rewards and send Membership Rewards Redemption Voucher to Cardmembers. Bank will have no liability for any delay in processing Rewards to Cardmembers or for any loss in transit or delivery. 6.23 Reward items in the form of a ticket or voucher shall, unless the Bank otherwise specifies, exclude any reservation fees, accommodation, insurance, travel tax or other taxes and fees. All such additional fees, charges or taxes applicable to the use of such a Reward shall be borne by the Cardmember and shall be paid directly to the Service Establishment by the Cardmember upon redemption or use of that Reward. 6.24 All taxes or duties or other Government or public utility fees or charges attributable to the redemption or use of any Membership Rewards shall be the exclusive responsibility of the Cardmember and the Bank shall have no liability of any kind in relation thereto. 6.25 A Cardmember may only be able to claim a Reward that is available in the most recent Membership Rewards Catalog at the date of redemption request or as decided by the Bank. 7. GENERAL 7.1 If a Card Account is not in good standing (overdue or in collection), the Cardmember s enrolment in the Program may be cancelled or Points accrued in the Program Account may be forfeited. A Cardmember s enrolment in the Program may also be cancelled or Membership Rewards Points accrued may be forfeited due to the Cardmember s failure to adhere to the terms and conditions governing the Card Account or the Program. 7.2 If a Cardmember cancels his/her Card(s), or for any reason the Bank cancels any Card Account, any Membership Rewards Points accrued in the Program Account will, at the discretion of the Bank, be suspended and will not be capable of redemption. Such Points accrued in the Card ember s Card Account might be forfeited even when the Card ember reinstates his Card account(s). 7.3 The Bank assumes no responsibility for any loss of whatever nature resulting from the redemption of Membership Rewards.

52 TERMS AND CONDITIONS 7.4 The Bank can suspend or terminate the Program at any time it deems necessary. In such a case, the Bank may or may not give advance written notice to Primary Cardmembers. 7.5 The Bank reserves the right to change the terms and conditions at any time. 7.6 The Bank reserves the right to engage third party service providers in administering the Membership Rewards Program. 7.7 Fraud and abuse relating to the earning of Membership Rewards Points in the Program or redemption of Rewards may result in the forfeiture of accrued Membership Rewards Points as well as cancellation of a Cardmember s Card Account. 7.8 All questions or disputes regarding eligibility for the Program or the eligibility of Membership Rewards Points for accrual or redemption of Rewards will be resolved by the Bank at its sole discretion. 7.9 The Card Account is not transferable. 7.10 Bank s failure to enforce a particular term or condition does not constitute a waiver of that term or condition by the Bank. 7.11 These terms and conditions are to be read in conjunction with terms and conditions governing the Card Account. 7.12 All Program date and records kept by the Bank, including information, shall be final and binding on all Cardmembers. No Cardmember shall be entitled to challenge the validity or accuracy of Bank s Membership Rewards Program, date or records for any purpose whatsoever. 7.13 The Membership Rewards Catalog is valid for any period as decided by the Bank. 7.14 Bank shall have no liability whatsoever in relation to any inaccuracy or mis-description contained in any Membership Rewards Catalog. 7.15 In performing of the Membership Rewards Program, Bank shall not be responsible for any delay or non-performance arising as a result of any matter beyond the reasonable control of the Bank. Matters beyond the reasonable control of the Bank shall include, without limitation, any breach, failure or non-performance by the manufacturer or merchant of any Reward; industrial disputes (including strike, lockouts and the like), acts of God (flood, fire, earthquake etc.), riot, demonstration or civil disturbances of any kind, damage or destruction to machinery, equipment or records of Bank or any Reward provider, acts of war or sabotage of any kind, any change in the laws, regulations or policies of Government of Bangladesh or in the interpretation thereof, or any other matter impacting on performance of the Rewards Program by the Bank. In such an event, all obligations of the Bank pursuant to the terms and conditions of Membership Rewards Program shall be suspended and the Cardmembers shall have no entitlement to file any claim or suit against the Bank or otherwise hold the Bank liable for the consequence thereof. 7.16 The decision of the Bank in all matters of the Program will be final and binding on the participants of the Program. 8. LIABILITY Notwithstanding anything contrary contained herein or in relation to the Program, the Banks issues the Membership Rewards under the Program as a recognition of loyalty and credit worthiness of Cardmember in the use of the Cards only and such Reward does not constitute any promotion or consideration or incentive for use of the Card relating to sale or purchase of any products, services or commitments whatsoever of the Bank and hence does not create any legal obligations upon the Bank towards the Cardmembers, Service Establishments or any other party in relation to and/or arising out of the Reward and/or the Program. 9. GOVERNING LAW These Terms and Conditions are governed by the laws of Bangladesh.

53 IMPORTANT notes 1. All visuals shown in this Catalog are indicative and representative only; and the visualized product may not be available within the value of the corresponding Membership Rewards voucher. 2. The value of the Membership Rewards voucher has to be used in full for a single redemption. If the Membership Rewards voucher is used for any amount which is less than the value of the voucher, the unutilized amount will automatically lapse. 3. For transactions greater than the value of the Membership Rewards voucher, the additional amount over the voucher value must be paid with your American Express Credit Card. 4. While you redeem the voucher at the Merchant outlet, you will be asked to show your American Express Credit Card to match the details with the Membership Rewards voucher and sign on the voucher that will be solely used as your acknowledgement of the chosen reward item.

Every time you use your American Express Credit Card, you come closer to hundreds of wonderful rewards that are all part of the Membership Rewards program. Enjoy! American Express is a trademark of American Express. This card is issued by City Bank pursuant to a license from American Express.