Reference: MA/8963 Date : 19 November 2018

Announcement to Clients

Subject: Amendment to Fees for Quarterly Statements of Current Accounts

Each year, Byblos Bank reviews its schedule of fees and commissions in order to ensure that it supports our ability to meet key objectives – including continuous product improvements and diversification, upgrading services to existing clients, expansion of our customer base, and ongoing contributions to the development of the Iraqi banking sector – and keeps pace with rapidly changing conditions in the local market.

Based on a thorough examination of these and other considerations, the Bank’s management has approved an update to fees charged for the quarterly statements of Current Accounts generated automatically every three months. The new fee structure, to take effect as of 1 January 2019, is as follows:

USD 2 flat fee per statement, plus USD 1 per printed page (or their equivalents in IQD) every three months

In parallel, for transparency purposes and in compliance with the circulars of the Central Bank of Iraq, the Bank shall print periodically – at least once a year – an official statement of account enabling the client to verify and confirm the account’s activity.

Remarks: Please refer to your branch to receive your official annual statement of account. Kindly note that these fees do not apply to salary domiciliation accounts.

Sincerely,

Customer Awareness and Protection Unit

Iraq: Baghdad, Al Karrada, Salman Faeq Street, Al Wahda District No. 904/14 Baghdad, Tel: (+964 1) 7177493, (+964 780) 93133031, (+964 780) 93133032. P.O. Box: 3086, Al-Alwiya Central Baghdad. Capital: IQD 59,267,000,000 fully paid. List of : 45. CRI: 2408 Baghdad. SWIFT: BYBAIQBABAG : Elias Sarkis Avenue, Ashrafieh, Tel: (+961 1) 335200. P.O. Box: 11505 Riad El Solh 1107 Beirut, Lebanon, Capital: LBP 689,113,198,400 fully paid. No. on the list of banks: 39. CRB: 14150. SWIFT: BYBALBBX www.byblosbank.com