Schedule of charges - Personal Banking

1 charges (in QAR)Limited Edition PackageSadara PackagePlatinum PackageTitanium PackageClassic CardCards OfferedDiners Club Black/ MasterCard WorldDiners Club/ Visa InfiniteDiners Club/ Visa PlatinumDiners Club/ MasterCard TitaniumVisa Classic or MasterCard ClassicPrincipal Card Joining FeesFreeFreeFreeFreeFreePrincipal Card Annual feesQAR 1,000 Free (QAR 850 for non Sadara members)QAR 750 QAR 600 QAR 250 Minimum Monthly Repayment3%3%3%3%3%Supplementary Annual feesFreeFreeFreeFreeFreeReplacement feesQAR 50/-QAR 50/-QAR 50/-QAR 50/-QAR 50/-Re-issue feesQAR 100 QAR 100 QAR 100 QAR 100 QAR 100 Return cheque feesQAR 100 per chequeQAR 100 per chequeQAR 100 per chequeQAR 100 per chequeQAR 100 per chequeOver limit FeesQAR 150/- if the balance is over by 2% and aboveQAR 150/- if the balance is over by 2% and aboveQAR 150/- if the balance is over by 2% and aboveQAR 150/- if the balance is over by 2% and aboveQAR 150/- if the balance is over by 2% and abovePayment holiday feesQAR 50 QAR 50 QAR 50 QAR 50 QAR 50 Limit increase feesQAR 50 QAR 50 QAR 50 QAR 50 QAR 50 Overdue/Late payment or QAR 100/ - whichever is or QAR 100/ - whichever is or QAR 100/ - whichever is or QAR 100/ - whichever is or QAR 100/ - whichever is greaterCash Advance fees4% for Diners Club and Visa and MasterCard.

2 ForRetail Internet Banking and Mobile Cash Advance4% for Diners Club and for Visa and MasterCard, forRetail Internet Banking and Mobile Cash Advance4% for Diners Club and for Visa and MasterCard, forRetail Internet Banking and Mobile Cash Advance4% for Diners Club and for Visa and MasterCard, forRetail Internet Banking and Mobile Cash for Visa and MasterCard, for Retail Internet Banking and Mobile Cash AdvanceInstallment Process FeeQAR 15 QAR 15 QAR 15 QAR 15 QAR 15 Additional copy of Statement feeFreeFreeFreeFreeFreeRequest for copyQAR 25 per copy request QAR 25 per copy request QAR 25 per copy requestQAR 25 per copy requestQAR 25 per copy requestRetail Interest Rate*1% Advance Interest Rate*1% from date of transaction1% from date of transaction1% from date of transaction1% from date of transaction1% from date of transactionCall For Credit Interest3% 3% 3% 3% Call for Cash Interest1% Credit Shield Grace days*15 days15 days15 days15 days15 dayse-StatementsFreeFreeFreeFreeFreeInte rnet BankingFreeFreeFreeFreeFreeSMS BankingFreeFreeFreeFreeFreeForeign Currency Mark ups USD 2% AED, BHD, KWD, SAR, OMR EUR, GBP, AUD, CAD, CHF, DKK, JOD, JPY, LBP, NOK, SEK, SGD Other currencies Grace days are not applicable for cash advance transactions.

3 Direct Debit customers can opt for setting their card repayment on any day between statement cut-off and payment due date. For example, a card with a statement date as 30th of every month will be required to only pay the minimum repayment amount by the 15th of the following month. No points will be earned on interest, fees or cash advances. Higher rates are applicable if the card is issued under other type of securities rather than salary of charges (Credit Cards)