Banque Misr payment cards Fees , Limits and commission.

Credit Cards (VISA & MasterCard) Dear Customer, Kindly find the below card Fees, usage limits, commission and interest rates for Banque Misr payment cards.

1-Fees and charges

Islamic Platinum Islamic Gold- BM Islamic Titanium Platinum World EL ARABY- Card Type Classic Gold Business Corporate Titanium BM/Egypt World Classic / Egypt Gold Elite ASATHA Post Post

Card validity 3 years 2 years 1 year 3 years

400 EGP 300 EGP 150 EGP Issuance fees 150 200 EGP included I- 250 EGP included I- included I- included I- 2,000 (ASATHA) for the first 150 EGP 200 EGP 150 EGP 200 EGP 1,500 EGP EGP SCORE fees SCORE fees SCORE SCORE EGP 100 EGP (EL year fees fees ARABY)

75 2,000 EGP(ASATHA) Renewal fees 75 EGP 75 EGP 100 EGP 100 EGP 100 EGP 150 EGP 150 EGP 300 EGP 200 EGP 1,500 EGP EGP 50 EGP (EL ARABY)

Free with a Free with a maximum maximum Issuance and Free with a maximum of 3 of 4 cards of 4 cards renewal of the Exempted with a maximum 2 cards and 75 EGP 75 EGP N/A cards and 150 EGP for and 300 and 100 Free 50 EGP Supplementary 100 EGP for more than 2 cards more than 3 cards EGP for EGP for cards more than more than 4 cards 4 cards Reissuance of a replacement for 75 EGP Free Free 75 EGP lost/damaged cards

1- Usage Limits inside and abroad : Gold Platinum EL Islamic Gold Islamic Islamic Platinum Card Type Classic BM/Egypt Business Corporate Titanium BM/Egypt World World Elite ARABY- Classic Gold Titanium Post Post ASATHA

Purchases Inside Egypt Within the credit card limit

Purchases Abroad Daily limit Daily limit of 10,000 of 8,000 Daily limit of EGP from EGP from Daily limit of 10,000 10,000EGP Daily limit of 10,000 BM BM EGP from BM from BM EGP from BM Cash withdrawal ATMs, 50% from 50% from ATMs, 40% from 50% from ATMs, ATMs, ATMs, EGP EGP from ATM inside Daily limit the credit the credit Daily limit the card the card Daily limit of 10,000 Daily limit of Daily limit of 10,000 20,000 20,000 Egypt of 10,000 limit with limit with of 8,000 limit with limit with EGP from Other 10,000EGP EGP from Other Daily Daily No cash EGP from maximum maximum EGP from maximum maximum banks ATMs from Other banks ATMs usage Other 10,000 15,000 Other 10,000 50,000 banks ATMs banks EGP per EGP per banks EGP per EGP per ATMs month month ATMs month month

Cash withdrawal from Within the Within the Within the Within the card limit Within the card limit POS inside Egypt card limit card limit card limit

Within the 2,000 $ Within the 2,000 $ Cash withdrawal ATM Within the credit card credit card per 2,000 $ per month credit card per Within the credit card limit N/A & POS abroad limit limit month limit month

2- Usage and balance inquiry fees : Gold - Islamic Classic Platinum EL Gold Card Type BM/Egypt Business Corporate Titanium - Islamic Gold Platinum BM/Egypt World World Elite ARABY- Classic Post - Titanium Islamic Post ASATHA

Cash withdrawal from BM ATM & 5% from the POS transaction value with 2% from the transaction value with minimum 2% from the transaction value with minimum charge 15 EGP Cash withdrawal from ATM & POS minimum charge 50 charge 15 EGP for other banks inside Egypt EGP 3% from the transaction value + 50 EGP Per transaction 5% from the Cash withdrawal from ATM & POS 3% from the transaction value + 50 EGP Per transaction value + 50 Abroad transaction N/A EGP Free Balance inquiry from BM ATM Balance inquiry from other banks 1 EGP per transaction ATM inside Balance inquiry from ATM Abroad 3 EGP per transaction Outside fees (Cash-Purchasing) 3% from the transaction value

3- Interest Rate (Calculated on Monthly statement):

- World - Word Elite - Gold - Platinum - Islamic Classic - Classic - BM/Egypt Post - BM/Egypt Post Platinum - Al Araby - Islamic Gold - Installment card Gold - Titanium - Islamic Titanium

- Business - Corporate 11.39% (fixed) 2.2% per month 2.1% per month 2% per month 10% per year (fixed) 20.4% per year (Decreasing)

4- Transactions Installment: Card Type Installment Type Installment Period Interest rate - Classic - Gold - Titanium - Purchase - 20.4% per year (Decreasing) for purchase 6 & 12 & 24 & 36 Months - Platinum - Cash (500 EGP mini for one trx.) - 26% per year (Decreasing) for Cash - World - World Elite

 The Debit interest is calculated as following:- Item Debit Interest withdrawals The debit interest will be calculated from the date of withdrawals as per the type of interest for each product Purchase The debit interest will be calculated from the date of purchase only for unpaid amount

Debit (Classic-Gold-Platinum-Titanuim- MEEZA DEBIT ) , Salary and pre-paid

1- Fees and charge for debit and pre-paid cards

Debit Cards Pre-paid Debit VIP Cards Salary Visa Internet Card Type Classic- (Hadaya –Hayaty-Teens) Tahya misr hawalty - Cards Tahya Misr Business MEEZA Prepaid Standard Gold Titanium Platinum card World World Elite gold Debit debit card Genaric Cards 2 years with N/A 5 years 2 years with no renewal 3 years 5 years Card validity no renewal

Issuance fees For customers :50 EGP 40 100 N/A 30 EGP Exempted 60 EGP 100 EGP 20 EGP For university student : 10 40 EGP FREE 50 EGP for the first EGP EGP Free year EGP

Second year Second year issuance fees issuance fees are Free and are Free and a a fee of EGP 30 EGP 40 30 EGP 75 100 fee of EGP 700 Renewal fees N/A 60 EGP 20 EGP NO renewal for the pre_paid cards 1,100 Annually annually EGP EGP EGP Annually will will be be deducted deducted starting from starting from the third year the third year

Issuance of the 40 30 EGP 100 N/A 30 EGP N/A 60 EGP 20 EGP N/A Free Supplementary EGP EGP cards

Second year Second year issuance fees issuance fees are Free and a are Free and a renewal of the 40 30 EGP 100 fee of EGP fee of EGP Supplementary N/A 30 EGP N/A 60 EGP 20 EGP N/A 700 Annually 1,100 Annually EGP EGP cards will be will be deducted deducted starting from starting from the third year the third year Reissuance of a replacement 40 50 100 for N/A 30 EGP 20 EGP 60 EGP 10 EGP 35 EGP 20 EGP 20 EGP 30 EGP 30 EGP 30 EGP EGP EGP EGP lost/damaged cards

2- Usage Limits inside and abroad : Debit Cards Pre-paid Debit VIP Cards

Visa Internet Card Type Salary Cards Classic- Tahya Business (Hadaya –Hayaty- Tahya misr card – Prepaid Standard Gold Titanium Platinum MEEZA DEBIT World World Elite Misr Debit Teens) hawalty - Cards Genaric 15000 EGP Within the card daily with a Within the card balance Purchases Inside balance and maximum Within the card / Account Balance maximum of and maximum 10,000 Within the card Within the Account Balance Egypt 50,000 EGP per month 300,000 EGP EGP per month balance and

monthly maximum 50,000 EGP per 18,000 $ per 20,000 $ 25,000 $ per month 50,000 $ per 50,000 $ per Purchases Abroad 18,000 $ per month N/A 3,000 $ per month 3,000 $ per month month per month month month month

10 Cash withdrawal 12 5 transaction 5 transaction transaction 5 transaction and from ATM Transaction 5 transaction daily with 15 transaction 15 transaction and Daily and Daily 5 transaction and Daily and Daily Daily limit of EGP (BM – other and Daily 5 times daily a limit of 10,000 EGP and Daily limit and Daily limit limit of EGP limit of EGP limit of EGP 18,000 limit of 10,000 and maximum Bank) limit of EGP with a daily and monthly of EGP 20,000 of EGP 20,000 10,000 10,000 EGP 50,000 EGP per month inside Egypt 20,000 maximum of 20,000 10,000 daily Cash withdrawal and 100,000 According to the card According to the card from POS EGP monthly Balance with Balance with N/A (BM – other Within the card / Account Balance Within the Account Balance maximum limit 10,000 maximum limit Bank) daily and monthly 50,000 EGP per month inside Egypt

Cash withdrawal 5,000 $ per from ATM & 5,000 $ per month 10,000 $ per month N/A 1,000 $ per month 2,000 $ per month 20,000$ per month month POS abroad

3- Usage and balance inquiry fees

Card Type Debit , Salary and pre-paid Cash withdrawal from BM ATM & POS Free

Cash withdrawal from other banks ATM Inside Egypt Free

0.33% from the transaction value + 10 EGP Cash withdrawal from other banks POS inside Egypt 5 EGP per transaction FOR MEZZA Debit card Cash withdrawal from POS Abroad 3% from the transaction value + 50 EGP (visa –MasterCard)

Outside fees (Cash-Purchasing) 3% from the transaction value (visa –MasterCard)

Balance inquiry from BM ATM Free Balance inquiry from other banks 2 EGP per transaction ATM inside Egypt Balance inquiry from ATM Abroad 3 EGP per transaction (visa –MasterCard)

Taya Misr Donation (Tahya Misr Prepaid – Debit) 1% from purchasing volume will be as a donate for Tahya Misr Fund

 Meeza debit card is used only inside EGYPT (Cash withdrawal , Purchasing)

 All terms and conditions are applied