1. Credit Cards CIB in cooperation with MasterCard and Visa offer a wide range of credit and de debit cards

With CIB credit cards, you can enjoy the following benefits:

1. A credit facility up t to 4 times of your monthly salary. 2. CIB offers you up to 55 days of interest free grace period on all your

our purchases. 3. 5% minimum monthly payment of the outstanding balance. 4. Set up a direct debit on your CIB account or pay through any of o

our bank note acceptance machines all over Egypt 24 hours per day.

5. Cash withdrawal up to 100% from the available limit. 6. CIB sends you an identification SMS for every transaction on your

card 7. Shop using your CIIB credit card and benefit from the attractive e

discounts through a large network of merchant partnerships. 8. Share the same benefits with your beloved ones by issuing them

free supplementary cards. 24/7 call center 196 666 (calling from inside Egypt) or + 202 356797 700 (from outside Egypt).

Credit cards fees & charges:

Fees And Charges Card Type Primary Supplementary

Issuance Fees

Platinum EGP 500 FreeGold EGP 200 Free"Heya" EGP 200* FreeClassic EGP 150 FreeVIP EGP 150 FreeCom EGP 50 Free

Renewal Fees

Platinum EGP 500 FreeGold EGP 100 Free"Heya" EGP 100* FreeClassic EGP 75 FreeCom EGP 25 Free

Replacement Fees

Platinum EGP 150 FreeGold EGP 75 EGP 75"Heya" EGP 75 EGP 75Classic EGP 50 EGP 50VIP EGP 75 EGP 75Com EGP 25 EGP 25

Interest Rate on Purchases 1.85 % Monthly

Interest Rate on Cash Withdrawal Platinum 1.85 % MonthlyCards 1.99 % Monthly

Grace Period 55 Days on Purchase Only

Over Limit Charge Platinum 1 % of Over limit AmountCards 2 % of Over limit Amount

Late Payment Charge EGP 30Cash Withdrawal Fees from CIB & Non CIB

Platinum 1.5 % Minimum of EGP 15Cards 2 % Minimum of EGP 20

Insurance Charges on Outstanding Balance EGP 2 Monthly

Life Insurance Charges for Heya Cards EGP 5 Monthly

Foreign Exchange Mark Up Platinum 0.00%All Other 1.50%

Bounced Check Charge EGP 20*Plus Annual Membership Fees of EGP 100 for “Heya” Services

2. Debit cards Maintaining an account at CIB entitles you to our Debit Card:

A secure payment method for total reassurance. Accepted worldwide. You can manage your accounts safely from anywhere in the world

or from the comfort of your home through our phone banking, and internet banking services.

You can use your card abroad with no incremental Foreign Exchange charges.

Maximum cash withdrawal per day L.E 8000 Maximum cash withdrawal per transaction L.E 3000 Attractive discounts from a large network of merchant partnerships. Cash withdrawal fees from CIB machines:

Free Cash withdrawal fees from none CIB machines: EGP 8 per transaction (discounted from 2% minimum EGP 20)

24 hours 7 days week call center on 19666 for any inquiries.

Loans

1-Personal loansTerms & Conditions:

1 Loan & Interest settlement on monthly installments, maximum up to 7 years. 2 Min loan amount is EGP 5,000 and the Maximum is EGP 500,000. 3 Min. gross monthly income required is EGP 1,250 4 Price includes life insurance policy covering risk death, accordingly settling the loan’s outstanding balances in case of death for prompt borrowers. 5 Special admin. Fees 0.75% (discounted from 1.50 %) administration fees are charged from the booked loan.

6 In case of early settlement, a fee of 5% is paid on the remaining loan balance and 3% of the paid amount in case of partial settlement. 7 Interest Rate

* All of the above is subject to change at CIB’s sole discretion.

8 - Kindly find hereunder the required documents for personal loans applications eligible for company’s staff all processed and verified in a time period not exceeding 7 working days: Copy of the National ID. Recent utility bill of electricity/ water/ Gas (max. last three month). A Human Resources letter mentioning the borrower’s name, title, hiring date, net monthly/annual income. An undertaking from the company to transfer the loan’s monthly installment to CIBA company’s undertaking to inform CIB (Egypt) with an official letter in case of ending the

borrower’s service for any reason, in addition to the Co.’s undertaking to transfer all the borrower’s benefits including the end of service compensation (if applicable) to his CIB account.

9 Buyout program Buyout process would be applied on personal loans exposure with Egyptian currency only.Approved extended loan by CIB should be higher or at least equal to the

Loan Tenor Interest Rate on Reducing Balance (Fixed Balance)

Maximum 5 years

15.25 %( 0.25% discount )

purchased loan from the lender bank, otherwise loan request will be rejected. Buyout would be eligible for clients with good Credit History: Max once 30+dpd in last 12 months & never in last 6 months All other facilities in the I score to be currently current and not more than once 30+ dpd in the Last 12 months. Administration fees: Waived Draft Check issuing fees: Waived Same interest rate as CIB Loans

2 - Auto loans Features

• Loan amount 100% of the car price. • Loans extended to staff financing the purchase of new cars for

personal use. • Minimum Loan amount L.E 15,000 & Maximum Loan Amount L.E

600,000. • Reducing Interest Rate is 16.25% for 6 years. • Reducing Interest Rate is 15.25% for 5 years • Minimum net monthly salary LE 1200 for Egyptians.

Special admin fees 0.75% (discounted from 1.50 %) administration fees are charged from the booked loan

Documents required: • Loan Application. • HR authenticated letter stating salary details. • Copy of National ID • Performa invoice. • Company’s undertaking to transfer the Monthly salary/ installment

(will be waived after six months of continues salary transfer).

* All of the above is subject to change at CIB’s sole discretion.

3 - Residential Property Finance: Overview:

CIB Offers residential property finance scheme with the purpose of purchase of fully constructed with utilities with competitive decreasing Interest rate 15.25%, tenor up to 20 years for purchasing...

Lending Criteria:

Property to be fully constructed with utilities. Monthly installment amount not to exceed 40 % of the monthly income.

For Mortgable Properties:

**

* All of the above is subject to change at CIB’s sole discretion of the monthly income.

PurchasingAnnual

decreasing interest

rate

Finance ratio

Salary Transfer

15.25% 70%

Terms & Conditions: • Min. Finance amounts LE 120,000 for Purchasing • Max. Finance amounts LE 5,000,000 • Tenor up to 20 years for purchasing. • Application fees LE 300 (paid upfront and nonrefundable) • Life Insurance to borrower is included in the rate as 0.372% • Property insurance equal LE 300 for each 1 million for each year of

finance (paid once upfront including property insurance admin fees) • Appraisal and Legal review fees of EGP 500+ EGP 1000 for flats and

EGP 2000 for villas (paid one up front including appraisal admin fees in addition to transportation fees if the property is outside Cairo)

• 1.5% administration fee is charged on the loan amount with Max. LE 50,000 (paid once upfront)

• Early Settlement fees of 3% of the outstanding loan amount at the time of the partial or full settlement

• 5% over interest rate on late amount. • Registration and Mortgage fees (estimated on case by case basis

and paid once up front)

1 -ATMs CIB owns the largest ATM network amongst private Egyptian banks with more than 500 ATMs across Egypt.

CIB provides exceptional service levels that distinguish us from other banks technically as well as visually and in terms of distribution.

CIB satisfies all customer needs from cash dispensing amounts as low as L.E 20 to home phone bill payment, mobile bill payment & recharge services.

Furthermore, CIB credit cardholders are not required to visit any branch to make payments; they can simply deposit the amount in the nearest CIB ATM machine with a cash deposit option.

We adopt a motto of "being with customers anywhere" and strive to cover main streets, shopping malls, high cash demand locations and popular gathering areas.

CIB also leads a full-fledged fleet of Mobile ATMs to enhance our presence and reach customers in far & remote areas.

Services available through CIB ATMs:

1. Cash withdrawal 2. Cash deposit (available through deposit machines only) 3. PIN code setup or PIN code change 4. Balance inquiry 5. Foreign Exchange USD – EUR – GBP - KWD - SAR (forex machines only) 6. Credit cards settlement from account (or cash through deposit

machines only) 7. Account to account transfers 8. Donations to charities 9. Mobinil bill payment 10. Vodafone bill payment & prepaid recharge 11. Telecom Egypt bill payment 12. Mini statement 13. Checkbook request 14. Statement request

2 - Internet Banking With CIB Internet Banking, You can view your accounts, transfer funds, submit your requests, be informed about your bank products, all you need is your debit card and your computer , 24/7 service. It is possible & FREE of charge now with CIB Internet banking.

View: • View and track your accounts anytime • View up-to-the minute Credit and Debit Cards Account activities, Funds, Time deposits, Saving Certificates, Loans, Treasury Bonds • Moreover, print your statements

Transfer: • Funds immediately between your accounts and to your credit cards, or to any charity organization you choose.

• Money fast to others’ credit cards or accounts in CIB or anywhere in the world from your computer*

Request to • Issue a checkbook • Add related account (Power of attorney, parent/child or account with different customer number) • Change your mailing address • Manage your supplementary cards • Inquire or complain about any product or credit card transaction • Register for the Digital signature service

& do more… • Subscribe in Alerts service and receive Alerts (SMS-Email ) for your banking activities • Stop your credit card the moment you wish to.

How to get started Login to: www.cibeg.com Click on: Internet Banking Choose: Register Now Enter your account number, your debit card number (ATM) and its PIN

Need to know more? Simply visit our website at www.cibeg.com Or call us on 19666 or (202) 35679700 – Worldwide *(Digital Signature subscription required)

3 - Instant Electronic Confirmation Service (Alert)

This service enables customers to know the transactions done on their Credit cards/ Check Collection, T/Ds & CDs renewal, cash deposits and Fund rates through receiving an e-mail or SMS.

4 - Phone Banking Service This 24/7 service is available through the land lines offering the following: ¬

Inquiries: -A/C & Credit Card Balance Inquiry -A/C & Credit Card Mini statement -Check status -FX Rates -T/D Rates & Position -Loans Position Requests: -A/C Statement through branch -Cheque book through branch -Change Mobile No. -Change IVR Login password Financial transactions: -Fund Transfer (same customer) -Card Settlement -Fund Raising

(A/C & Cards) Information: -ATM & Branch locations

5 - Revolving Overdraft Facility • CIB provides you the opportunity to have an overdraft facility against your monthly salary. • Revolving Overdraft facility gives you an easy access to additional funds, making life simpler. You can get instant access to funds for unexpected expenses. • Revolving Overdraft facility is a fluctuating revolving credit facility available on current accounts only. You will be charged only based on your outstanding debit balance utilization. • Under Revolving Overdraft facility, you can withdraw your total overdraft amount at any time • Revolving overdraft program will be available only for electronic payroll customers being paid their salaries in LCY.

The following table shows the program features:

Interest rate LE 2000+ : 15 % LE 1000 -1,999 : 16 %Age Min: 21 years -Max: 60 years at line renewalEmployment Type CIB electronic payroll customersSalary Currency Local Currency ONLYMinimum Gross Monthly income

LE 1,000.

CIB Relation- ship

Salary is hitting the account on a monthly basis for at least the last 3Months.

Nationality & Residence Egyptians Residing and working inside Egypt only.Tenor Annually and to be renewed.Line Amount Min.: 1,000 LE -Max.: 25,000 LELimit Assignment Grid

1X

Documentation

1. Overdraft request against payroll request form including customer’s payroll account number, .تعد دحسب بجاى ىمدن نContract and standing instruction for interest ). 2المبترة ةألارطا فإارقر . CBE related parties’ declaration (3. Valid National ID – Egyptians 4. Clearance certificate if customer in negative list. 5. Welcome letter.

Bancassurance Individual & Corporate Products

I. Long-term Savings and Protection Packages

Graduation Fund:

The Graduation Fund is a long-term savings plan that enables you to finance your child’s education. By choosing the Graduation Fund, you will commit yourself to regular long-term savings and to use these savings for your child’s education. When you see your child graduate, you’ll know it was worth saving for.

Wedding Fund:

The Wedding Fund is a long-term savings plan that can help you achieve your goals. It enables you to commit yourself to save towards the future costs associated with your child’s marriage. When the time has come to see your child in the wedding gown or the tuxedo of their dreams you’ll be able to celebrate in style…

Retirement Benefit Plan:

The Retirement Benefit Plan is a savings plan that enables you to set aside some money for your retirement. This plan allows you to save regularly for the long-term. On your retirement, you will enjoy the outcome of your hard work. Thus, you will have the time and money to do all that you have wanted to do.

Dreams Plan:

The Dreams Plan is a long-term plan designed to assist you in fulfilling your dreams. It enables you to commit yourself to save for a period not less than ten years and when the time has come to fulfill your dreams, you’ll be able to do it as wished and the quicker you save in the Dreams Plan the closer you are to your dreams.

Elite Premium [for Wealth Customers]:

The Premier Select allows customers with a lump sum of money, to save for their long term needs through a life insurance policy by paying one or more single premiums. The Premier Select Plan also offers optional Additional Insurance Benefits of either Economical Life Insurance or Accidental Death Insurance.

II. Long-term Protection Packages

Economical Life Insurance:

Economical Life Insurance is a plan that will provide benefits in case of death, disability or even major illnesses. Economical Life Insurance can help you care for your loved ones.

Family Income Protection Plan:

The Family Income Protection Plan is a life insurance policy that will provide your loved ones with a regular monthly income should something happen to you. It will help you meet the needs of your family and maintain a standard of living similar to that which you have accustomed them to.

Health Fund:

The Health Fund is a life insurance policy that will provide a lump sum of money and in some cases an additional daily payment, should something happen. This will help you and your family faces the financial difficulties of the unexpected and gives you peace of mind when you are unable to provide for them.

III. Corporate Packages

Economical Business Insurance:

Economic Business Insurance provides benefits when your business needs help the most, either for loan protection, key person insurance and partnership or shareholder protection.

Group Life Insurance:

Group Life Insurance offers companies the opportunity to provide insurance programs for their employees, thus supporting the company's employee benefit plans. Employee Retirement Benefit Plan:

Employee Retirement Benefit Plan enables companies to provide their employees with a lump sum of money upon their retirement as well as providing them with valuable death and disability benefits.

Bill Payment CIB allows you to settle your monthly phone bills by debiting your account and crediting telecommunications companies’ accounts through a highly secured electronic system. Through this service you can pay the following bills:

1. Local phones 2. International phones 3. Vodafone 4. Mobinil

Safe Boxes Feel the safety by using CIB fire proof safe boxes in different sizes where they are located in number of different CIB branches. The following are the different sizes and cost of the safe boxes: 10 cm: LE 300 insurance LE 300 annual fees 15 cm: LE 400 insurance LE 400 annual fees 20 cm: LE 500 insurance LE 500 annual fees 30 cm: LE 650 insurance LE 650 annual fees

Check Books For CIB current account holders with a minimum balance of LE 5000, we issue check books with the following sizes & prices: 12 leaves: LE 30 24 leaves: LE 60 48 leaves: LE 120