Features of BLOM MasterCard Traders Shopping

The following form falls under Circular No. 134 of the Central of . Please note that this form is not to be considered as the final contract and is only provided to help the client compare loans offered by BLOM Bank with loans offered by other . Card Info POS (Purchase Transactions): ATM (Cash Withdrawals): Annual Percentage Rate (APR)* 23.14% 34.49%

Minimum Due 3% of the outstanding balance (Minimum 20 US Dollars)

POS transactions: Ranges between 16 and 45 days, with Grace Period minimum due settled before 10th of each month ATM Transactions: No grace Period

Card Annual Fee 100 US Dollars

Card Replacement Fee (for instance: losing the card) 25 US Dollars / Card 2.5% of the outstanding balance (Minimum 10 US Dollars - Late Payment Fee Maximum of 25 US Dollars) Overdrawing Fee 15 US Dollars Payments with a currency different than that of the card are posted according to the exchange rate set by Visa/MasterCard Foreign Exchange Transactions or BLOM Bank on the day of receiving the transaction. In addition, a 3% marginal fee is charged for transactions outside Lebanon - BLOM ATMs: 1 US Dollars per transaction - ATMs Linked with IPN Network: 0.85 US Dollars + 1 US Dollars ATM Transaction Charges per transaction - Other ATMs**: 2.75 US Dollars +0.33% +1 US Dollars per transaction Free eBlom Internet Banking Free eStatement Bank Inquiry Services and Related Fees Free Through ATM Through SMS alert service: 1 USD /Month for local lines 2 USD /Month for International lines Risk of putting a hold on your Salary and/or Seizing other Assets Unpaid Risks with the possibility of selling them in General Auction until the card is fully settled with its commissions

Rewards and Benefits

 Loyalty program: Earn points every time you use your card:  3 points for every 1$ spent at any store inside LeMall Dbayeh, Sin El Fil, or Saida  1 point for every 1$ spent anywhere else around the world  Countless deals: Exclusive discounts and instant gifts from a list of participating merchants  Airport Lounge Access, find list on www.mastercard.com  Life Insurance covering the outstanding loan amount * This APR is interest-based only and may vary according to the card's limit and fees ** Some Banks charge Additional Commissions

For any additional information or explanations on rewards and benefits for Blom Beirut Traders Shopping credit card, kindly contact Blom call center or visit our website www.blomretail.com