index REWARDS REWARDS INDEX 47 NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE

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1 46 REWARDS INDEX 47 Cheque Return Fee FE 0030 FEE Certificate Fees FE 0026 FEE REWARDS index NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE Statement Retrieval Fee per Statement FE 0029 FEE CIB Fees FE 0027 FEE SMS Notification Fee FE 0028 FEE Captured Card Replacement Fees-GB Local FE 0022 FEE PIN Replacement Fees-GB Local FE 0023 FEE Late Payment Fees-GB Local FE 0024 FEE Captured Card Replacement Fees-GB Dual FE 0033 FEE 25% Annual Fee-GB Local FE 0014 FEE Captured Card Replacement Fees-Gold FE 0038 FEE PIN Replacement Fees-GB Dual FE 0034 FEE Late Payment Fees-GB Dual FE 0035 FEE Card Replacement Fees-GB Local FE 0021 FEE Over Limit Fees-GB Local FE 0025 FEE 25% Annual Fee-GB Dual FE 0016 FEE Captured Card Replacement Fees-Platinum FE 0043 FEE HOTEL AGRABAD ,000 DN 0009 DINING CHITTAGONG PIN Replacement Fees-Gold FE 0039 FEE Late Payment Fees-Gold FE 0040 FEE Card Replacement Fees-GB Dual FE 0032 FEE Over Limit Fees-GB Dual FE 0036 FEE 50% Annual Fee-GB Local FE 0001 FEE LIBAAS ,000 SH 0086 SHOPPING CHITTAGONG PBS LIMITED ,000 LS 0061 LIFESTYLE DHAKA APAN JEWELLERS ,000 LS 0063 LIFESTYLE DHAKA SHADESH PALLI ,200 SH 0088 SHOPPING CHITTAGONG THE PENINSULA CHITTAGONG LIMITED ,300 DN 0010 DINING CHITTAGONG ALVIRA'S BEAUTY CARE ,250 LS 0066 LIFESTYLE CHITTAGONG PIN Replacement Fees-Platinum FE 0044 FEE Late Payment Fees-Platinum FE 0045 FEE Card Replacement Fees-Gold FE 0037 FEE Over Limit Fees-Gold FE 0041 FEE 50% Annual Fee-GB Dual ,000 FE 0002 FEE NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE 75% Annual Fee-GB Local ,125 FE 0015 FEE PIZZA INN ,500 DN 0012 DINING DHAKA HOTEL ROYAL INTERNATIONAL ,500 DN 0015 DINING KHULNA CITY INN LIMITED ,500 DN 0016 DINING KHULNA WELL PARK RESIDENCE ,500 DN 0017 DINING CHITTAGONG TOPKAPI RESTAURANT ,500 DN 0019 DINING DHAKA RIVER VIEW RESTAURANT ,500 DN 0021 DINING CHITTAGONG BONANZA ,500 DN 0022 DINING CHITTAGONG AMBROSIA RESTAURANT LIMITED ,500 DN 0023 DINING CHITTAGONG ROSE VIEW HOTEL ,500 DN 0024 DINING SYLHET HOTEL CASTLE SALAM ,500 DN 0025 DINING KHULNA LONDON LOOK ,500 SH 0090 SHOPPING CHITTAGONG ARTISAN ,500 SH 0091 SHOPPING DHAKA 25% Annual Fee-Gold ,250 FE 0018 FEE SPICY RESTAURANT & PARTY CENTER ,500 DN0040 DINING SYLHET BDT Outstanding Payment - BDT 1, ,000 OSB0001 OUTSTANDING USD Outstanding Payment - BDT 1, ,000 OSU0001 OUTSTANDING Card Replacement Fees-Platinum ,000 FE 0042 FEE Over Limit Fees-Platinum ,000 FE 0046 FEE Priority Pass Plastic Replacement Fee-Platinum ,000 FE 0047 FEE 75% Annual Fee-GB Dual ,500 FE 0017 FEE 100% Annual Fee-GB Local ,500 FE 0003 FEE GULSHAN SHAREE MUSEUM ,000 SH 0106 SHOPPING DHAKA WOONDAAL KING KEBAB ,000 DN 0026 DINING SYLHET THE KABAB FACTORY LTD ,000 DN 0027 DINING DHAKA SPAGHETTI JAZZ ,000 DN 0028 DINING DHAKA HOTEL SAINT MARTIN LTD ,000 DN 0031 DINING CHITTAGONG MERIDIAN HOTEL & RESTAURANT ,000 DN 0032 DINING CHITTAGONG WESTERN INN INTERNATIONAL LTD ,000 DN 0033 DINING KHULNA HOTEL METRO INTERNATIONAL ,000 DN 0034 DINING SYLHET HOTEL SUPREME ,000 DN 0035 DINING SYLHET ECSTASY X-PRESS ,000 SH 0093 SHOPPING DHAKA THE RAYMOND SHOP ,000 SH 0094 SHOPPING KHULNA KASHISH ,000 SH 0097 SHOPPING SYLHET SHE ,000 SH 0098 SHOPPING SYLHET BELMONTE ,000 SH 0099 SHOPPING DHAKA ARTISTI COLLECTION LTD ,000 SH 0100 SHOPPING ALL* APSORI ,000 SH 0101 SHOPPING KHULNA NEW RONGILA SHAREES ,000 SH 0102 SHOPPING SYLHET * AVAILABLE IN ALL OUTLETS ACROSS BANGLADESH

2 48 TO REDEEM YOUR POINTS, PLEASE CALL REWARDS INDEX 49 NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE BARONI ,000 SH 0103 SHOPPING SYLHET VASAVI FASHIONS LTD ,000 SH 0104 SHOPPING DHAKA APEX FOOTWEAR LTD ,000 SH 0107 SHOPPING ALL* OPAL HOUSE ,000 SH 0109 SHOPPING CHITTAGONG KIDS & MOMS ,000 SH 0110 SHOPPING DHAKA WEAVERS FURNISHING LTD ,000 SH 0111 SHOPPING DHAKA ECSTASY ,000 SH 0113 SHOPPING ALL* MONIPURI RUPANGON ,000 SH 0114 SHOPPING SYLHET ABCO ,000 SH 0115 SHOPPING KHULNA CELEBRATIONS ,000 SH 0116 SHOPPING DHAKA ECSTASY LIFE STYLE ,000 SH 0117 SHOPPING DHAKA TANJIM STREET ,000 SH 0118 SHOPPING DHAKA 100% Annual Fee-GB Dual ,000 FE 0004 FEE GIFT CARD ,000 APG 2000 GIFT CARD ALL* AGORA ,000 SM 0001 SUPERMARKET ALL* CATS EYE ,500 SH 0119 SHOPPING ALL* MONSOON RAIN ,500 SH 0120 SHOPPING ALL* CATS EYE -UNLTD ,500 SH 0121 SHOPPING DHAKA KANUNGO ,500 SH 0122 SHOPPING CHITTAGONG THE RAYMOND SHOP ,500 SH 0123 SHOPPING DHAKA EL TORO ,500 DN 0036 DINING DHAKA SALTZ ,500 DN 0037 DINING DHAKA TIME ZONE ,500 SH 0124 SHOPPING ALL* 50% Annual Fee-Gold ,500 FE 0005 FEE PERSONA HAIR & BEAUTY LTD ,000 LS 0067 LIFESTYLE ALL* UNIMART LIMITED ,500 SM 0002 SUPERMARKET ALL* PRAASAD PARADISE LIMITED 6300 One Night Stay TR 0136 TRAVEL COX'S BAZAR 75% Annual Fee-Gold ,750 FE 0019 FEE LONG BEACH HOTEL LTD One Night Stay TR 0140 TRAVEL COX'S BAZAR SAYEMAN BEACH RESORT 9500 One Night Stay TR0147 TRAVEL COX'S BAZAR Hill View Deluxe BDT Outstanding Payment - BDT 3, ,000 OSB0002 OUTSTANDING USD Outstanding Payment - BDT 3, ,000 OSU0002 OUTSTANDING SMART TECHNOLOGIES ,000 EL 0046 ELECTRONICS DHAKA APAN JEWELLERS ,000 LS 0069 LIFESTYLE DHAKA OCEAN PARADISE LIMITED One Night Stay TR 0139 TRAVEL COX'S BAZAR SEAGULL HOTELS LTD One Night Stay TR 0137 TRAVEL COX'S BAZAR 100% Annual Fee-Gold ,000 FE 0006 FEE AARONG ,000 SH 0127 SHOPPING DHAKA GIFT CARD ,000 APG 5000 GIFT CARD NAME POINTS VOUCHER ITEM CATEGORY REGION (BDT) CODE HOTEL THE COX TODAY One Night Stay TR 0138 TRAVEL COX'S BAZAR SAYEMAN BEACH RESORT One Night Stay TR0148 TRAVEL COX'S BAZAR Sea View Deluxe 25% Annual Fee-Platinum ,250 FE 0020 FEE PALACE LUXURY RESORT One Night Stay TR 0145 TRAVEL SYLHET BDT Outstanding Payment - BDT 5, ,000 OSB0003 OUTSTANDING USD Outstanding Payment - BDT 5, ,000 OSU0003 OUTSTANDING M.K. ELECTRONICS ,000 EL 0047 ELECTRONICS DHAKA RONY ENTERPRISE ,000 EL0055 ELECTRONICS CHITTAGONG PARTEX FURNITURE INDUSTRIES LTD ,000 LS 0072 LIFESTYLE ALL* AARONG ,500 SH 0128 SHOPPING DHAKA RANGS ELECTRONICS LTD ,000 EL 0048 ELECTRONICS ALL* AKHTAR FURNITURE ,000 LS 0074 LIFESTYLE ALL* TRANSCOM DIGITAL ,000 EL 0049 ELECTRONICS ALL* HATIL COMPLEX LTD ,000 LS 0073 LIFESTYLE DHAKA GIFT CARD ,000 APG GIFT CARD ALL* SAYEMAN BEACH RESORT One Night Stay TR0149 TRAVEL COX'S BAZAR Sea View Suite M.K. ELECTRONICS ,000 EL 0050 ELECTRONICS DHAKA RONY ENTERPRISE ,000 EL0056 ELECTRONICS CHITTAGONG HATIL COMPLEX LTD ,000 LS 0075 LIFESTYLE DHAKA 50% Annual Fee-Platinum ,500 FE 0007 FEE BDT Outstanding Payment - BDT 10, ,000 OSB0004 OUTSTANDING USD Outstanding Payment - BDT 10, ,000 OSU0004 OUTSTANDING PARTEX FURNITURE INDUSTRIES LTD ,000 LS 0076 LIFESTYLE ALL* TRANSCOM DIGITAL ,000 EL 0051 ELECTRONICS ALL* ESQUIRE ELECTRONICS LTD ,000 EL 0057 ELECTRONICS ALL* OTOBI ,000 LS 0077 LIFESTYLE DHAKA 75% Annual Fee-Platinum ,750 FE 0013 FEE RANGS ELECTRONICS LTD ,000 EL 0052 ELECTRONICS ALL* GIFT CARD ,000 APG GIFT CARD ESQUIRE ELECTRONICS LTD ,000 EL 0058 ELECTRONICS ALL* SAYEMAN BEACH RESORT One Night Stay TR0150 TRAVEL COX'S BAZAR Panorama Suite 100% Annual Fee-Platinum ,000 FE 0008 FEE AKHTAR FURNITURE ,000 LS 0078 LIFESTYLE DHAKA TRANSCOM DIGITAL ,000 EL 0053 ELECTRONICS ALL* PARTEX FURNITURE INDUSTRIES LTD ,000 LS 0079 LIFESTYLE ALL* OTOBI ,000 LS 0080 LIFESTYLE DHAKA BDT Outstanding Payment - BDT 25, ,000 OSB0005 OUTSTANDING USD Outstanding Payment - BDT 25, ,000 OSU0005 OUTSTANDING RANGS ELECTRONICS LTD ,000 EL 0054 ELECTRONICS ALL* ESQUIRE ELECTRONICS LTD ,000 EL 0059 ELECTRONICS ALL* GIFT CARD ,000 APG GIFT CARD * AVAILABLE IN ALL OUTLETS ACROSS BANGLADESH

3 50 TO REDEEM YOUR POINTS, PLEASE CALL EARN & REDEEM POINTS 51 4 SIMPLE STEPS TO REDEEM YOUR MEMBERSHIP REWARDS POINTS SIMPLE STEPS TO EARN AND REDEEM points Call us at our 24-hour Call Center at (for local calls) or at (+88) (for overseas calls) when you want to redeem your accumulated Membership Rewards Points Provide the Item Code (IC) of your preferred reward from this catalog. The Customer Service Executive will confirm the acceptance of your redemption request Receive the Reward Redemption Voucher(s) in your mailbox within 07 working days after acceptance of your request Take the voucher to the designated merchant for receiving the Membership Rewards item. This might be subjected to some prior formalities as stated by the merchants (eg. Hotel merchants need prior booking) 3 EASY TIPS TO EARN MORE MEMBERSHIP REWARDS POINTS Use your American Express Credit Card every time you shop, dine and entertain Enroll in EasyPay auto-debit facility designed especially for you to pay your various monthly bills (e.g. internet & mobile bills, tuition fees for your children etc.)* Use your American Express Credit Card to avail our FlexiBuy instalment purchase program at 0% interest for purchases such as LCD TV or air tickets to your favorite travel destinations* * On purchases with FlexiBuy and EasyPay programs American Express Platinum Cardmembers earn 2 Points on every Taka 50 spent, American Express Credit Card and American Express Gold Credit Cardmembers earn 1 Point.

4 52 FREQUENTLY ASKED QUESTIONS 53 FREQUENTLY ASKED questions Q: Who will be eligible for the Membership Rewards Program? A: Any City Bank American Express Credit Cardmember possessing either American Express Credit Card, American Express Gold Credit Card or American Express Platinum Credit Card but not American Express Corporate Card. Q: How can interested Cardmembers enroll in this program? A: All City Bank American Express Credit Cardmembers are automatically enrolled in the Membership Rewards Program (no additional enrolment procedure is required). Q: How do I earn Membership Rewards Points? A: You earn 1 Point for every 50 Taka on any local retail purchase (BDT) as well as for every US$1 spent overseas with your City Bank American Express Credit Card or American Express Gold Credit Card. If you are an American Express Platinum Cardmember then you earn 2 Points for every Taka 50 and US $1 spent. You also earn Membership Rewards Points with FlexiBuy instalment purchase program or when you pay bills through our EasyPay auto-debit facility. Q: Can Supplementary Cardmembers also earn Membership Rewards Points and claim a Reward? A: Supplementary Cardmembers cannot claim a reward, but can earn Membership Rewards points based on all retail transactions carried through the Supplementary Card. Points earned by a Supplementary Cardmember are automatically transferred to the Primary Card Account. Only a Primary Cardmember can request for redemption of Rewards. Q: How do I redeem Membership Rewards Points for claiming a Reward? A: Call us at our 24-hour Call Center at (for local calls) or at (+88) (for overseas calls) when you want to redeem the Membership Rewards Points that you have accumulated. Q: How long will it take to receive a Reward? A: You will receive a Rewards Redemption Voucher by mail within 07 business days of contacting us. You will have to collect your chosen Rewards personally from the participating merchants against whom the voucher has been issued. Q: Are the Membership Rewards Points encashable? A: The Points are not redeemable for Cash or Credit. You can order a Reward of your choice from the Rewards Catalog. Q: How can I keep track of my Membership Rewards Points? A: Your monthly Credit Card statement will show your total earned and redeemed Membership Rewards Points. Q: Will my earned Points expire if I do not redeem them? A: There is no expiry date for points earned in this program. However, The City Bank Limited reserves the right to institute an expiry date for points whether points have already been accrued or accrued thereafter. Q: What happens to my Membership Rewards Points when my Credit Card is upgraded/downgraded? A: Membership Rewards Points will automatically be transferred to your new account. Q: Can I break-up the total Membership Rewards Points I have earned for multiple Rewards? A: Yes. However, it also depends on the availability of the items of your choice. Q: Can I combine Membership Rewards Points earned on two different Cards for the redemption of one item? A: The Points earned on more than one Card shall remain separate and distinct and cannot be aggregated for any purpose. Q: Are Points transferable to some other accounts? A: Points that are earned cannot be encashed, sold, transferred or otherwise assigned from one Card Account to another. Q: Do I earn any Membership Rewards Points for the transactions I make when I am abroad? A: You can earn points for any purchases made abroad with your American Express Credit Card. For every US $1, you earn 1 Point if you use American Express Credit Card or American Express Gold Credit Card. However if you use American Express Platinum Credit Card you earn 2 Points. Q: Do I earn any Membership Rewards Points when I use my American Express Credit Card for cash withdrawal or Card Cheque transactions? A: Points are provided only on retail purchases in Bangladesh and abroad. Q: How can the Cardmember get further information or raise query regarding this program? A: Cardmember can call us at our 24-hour Call Center at (for local calls) or at (+88) (for overseas calls) for any sort of query.

5 54 TERMS AND CONDITIONS 55 TERMS AND conditions 1. DEFINITIONS Bank means The City Bank Limited (City Bank), its successors and its assignees. Working Day means a day other than a Govt. Holiday or Friday/ Saturday that Bank is open for business in Bangladesh. Membership Rewards Catalog means the catalog of Membership Rewards published by the Bank from time to time. Tk., Taka or BDT means the lawful currency of the Peoples Republic of Bangladesh. USD or US Dollars means the lawful currency of the United States of America. American Express" and "AmEx" means American Express International, Inc., its affiliates and licensees. "Cardmember" means a holder of an American Express Credit Card issued by The City Bank Limited, an individual whose name is in a Card Account and who is responsible for all transactions and liabilities on the Card Account. It includes Primary and any Supplementary Cardmember. "Credit Card" means any American Express Credit Card (Local/Dual), American Express Gold Credit Card or American Express Platinum Credit Card issued by the Bank to the Cardmember and includes Primary, Supplementary and Replacement Cards. But any American Express Corporate Card issued by the bank will not be considered for this program. "Card Account" means the Credit Card Account opened by the Bank for the purpose of entering all credits and debits received or incurred by the Primary Cardmember and the Supplementary/ additional Cardmember, if any, under the terms and conditions governing the Card Account. "Program" means the American Express Membership Rewards Program (MR) in Bangladesh. The Membership Rewards Program is established by the Bank to reward and recognize Cardmembers for their loyalty and credit worthiness in the use of Credit Cards and does not constitute any promotion program or consideration for use of the Cards or any other services or commitment whatsoever and hence does not create any legal obligations on the Bank towards the Cardmembers. The Membership Rewards Program will enable Cardmembers to accumulate Membership Rewards Points that may subsequently be redeemable for rewards as detailed in this Membership Rewards Catalog subject to the conditions of the Program. Launch Date means the date on which the Bank launches American Express Membership Rewards Program in Bangladesh. "Enrolment Date" means the date on which Primary Cardmember s Card contract is created. "Points" means Membership Rewards Points, accumulated by a Cardmember through participation in the Membership Rewards Program of American Express Credit Card in Bangladesh. Point calculation is determined by the Bank and can be varied from time to time. "Service Establishment" means a business or organization which accepts American Express Credit Card in Bangladesh. "Supplementary Cards" means a Card issued and whose charges are chargeable to the Primary Card. Reward means a gift, service, voucher or entitlement available to a Cardmember under Membership Rewards program, as published in this Membership Rewards Catalog (that is current at the date of redemption request by the Cardmember) during the course of the same Membership Rewards Program. 2. ELIGIBILITY AND ENROLMENT 2.1 Participation in the Membership Rewards Program is open to all American Express Credit Cards issued by the Bank but not valid for any American Express Corporate Cards issued by the Bank. 2.2 Any American Express Credit Card, American Express Gold Credit Card and American Express Platinum Credit Card issued by the Bank will be automatically enrolled in the Program. 2.3 Points earned by any Supplementary Card(s) will automatically accrue to the Primary Card Account. Supplementary Cards cannot be enrolled separately from the Primary Card. 2.4 Each Cardmember holding an American Express Credit Card at the launch date shall automatically qualify to participate in the Membership Rewards Program and may accumulate Membership Rewards Points. Any Cardmember acquiring Credit Cards after the launch date will participate in the Program from the date their Credit Card contract is created (Enrolment date). 2.5 No Membership Rewards Point shall accrue in respect of a transaction where Bank believes that: a) A false, inaccurate, or fraudulent Credit Card transaction has occurred. b) The accuracy, amount or other particulars of any Credit Card transaction are disputed by the Bank, a Cardmember, the Service Establishment or any other party. c) The validity or any credit transaction for payment purpose is challenged for any reason whatsoever. Following investigation, if the Bank determines that the transaction is valid and accurate in all respect; the Membership Rewards Points attributable to that transaction will be accumulated for the Cardmember. 2.6 Unless otherwise determined by the Bank, any breach of the terms and conditions governing the Card Account by any Cardmember shall automatically disqualify that Cardmember from participation in the Program and any Membership Rewards Points that have been accumulated by that Cardmember shall be immediately forfeited. 3. POINTS ACCRUAL 3.1 Except for the selected grocery stores and any promotional offers/campaigns, every Cardmember having an American Express Credit Card or American Express Gold Credit Card enrolled in the Program will accrue one Membership Rewards Point for every BDT 50 and US$ 1 spent on their Credit Card, charged and billed on the Card Account. American Express Platinum Credit Cardmembers will accrue two Membership Rewards Points for every BDT 50 and US$1 spent. All Cardmembers are also eligible to earn five Membership Rewards Points on every BDT 50 spent at the selected grocery stores in Bangladesh. City Bank American Express Platinum Credit Cardmembers will earn 10 Membership Rewards Points for every BDT 50 spent at selected merchants. No Membership Rewards Points will accrue in the respect of: a. Charges processed and billed prior to the Launch Date b. Cash advances (ATM transactions) c. Card Cheque transactions d. Charges for dishonored cheques e. Any sort of fees, finance charges, interest charges, additional expenses, damages, payment of premiums for insurance policies or products, financial penalties of any kind, any legal costs and disbursements, charges or tax imposed on the account by the Bank from time to time, which will be debited to the Card Account. f. Balance Transfers. 3.2 A Cardmember will accumulate Membership Rewards Points by reference to the value of retail purchases, less any reversals of retail transactions, made by that Cardmember using his/her Credit Card during the course of the Program. If any reversal of retail transactions occurs, the Membership Rewards Points accumulated against that transaction(s) would be deducted from total Membership Rewards Points balance; even if those Points have already been redeemed. 3.3 Membership Rewards Points accrued in a Credit Card are not the property of the Cardmember and cannot be transferred, cashed out, sold or otherwise assigned from one Cardmember to another. 3.4 Membership Rewards Points accrued in the Credit Card have no cash or monetary value. 3.5 Membership Rewards Points earned through spending by a Supplementary Cardmember will be credited to the Account of Primary Cardmember and could be used by the Primary Cardmember only for redemption of Rewards. 3.6 Bank may at any time vary the range of Credit Card transaction that qualifies for Membership Rewards Points under the Program. 3.7 Membership Rewards Points will accumulate on a daily basis by reference to the total value of qualifying transactions made. 3.8 In case of fraction amounts, the remaining unused transaction amount after calculating Membership Rewards Points for the whole amount in multiples of Tk. 50 and/or multiples of US$ 1 will not be accrued or clubbed with future qualifying transactions.

6 56 TERMS AND CONDITIONS TERMS AND CONDITIONS POINTS EXPIRATION 4.1 There is no expiry date for Points earned while participating in the Program. 4.2 The Bank reserves the right to institute an expiry date for Membership Rewards Points whether Points have already been accrued or accrued thereafter. 4.3 In case the Cardmember Agreement expires (i.e. the Card is cancelled), any Points, which have not yet been redeemed, will automatically be lapsed/revoked immediately from the Credit Card. 4.4 In case of expiration of a Credit Card, the accumulated Membership Rewards Points relating to that Credit Card shall be carried forward. 4.5 Unless otherwise determined by the Bank, each Membership Rewards Program will run for a specified period and the Bank shall determine the duration on each Membership Rewards Program period in its sole discretion. 4.6 The Membership Rewards Program is subject to automatic annual renewal unless discontinued by the Bank at its sole discretion. 5. NOTICES OF ACCUMULATED POINTS The Bank will notify the number of Points accrued to the Primary Cardmember in the monthly Card statement of the Primary Account. 6. POINTS REDEMPTION 6.1 Membership Rewards Points may be redeemed provided all enrolled Credit Cards are in good standing at the time of the redemption request. Any redemption request of Cardmembers having an overdue with 1 month or above aging, at the time of the redemption request, would not be eligible. 6.2 Membership Rewards Points accrued in the Cardmember s Credit Card can only be redeemed by the Primary Cardmember. 6.3 Annual fee waiver is only applicable for Primary Cards. The same is not applicable for Supplementary cards. 6.4 In case of Service Establishments with multiple outlets, the Cardmember must select the specific outlet from which s/he will redeem the voucher at the time of making redemption request to the Call Center. 6.5 By redeeming a Reward, the Cardmember releases the Bank and its affiliates from any and all liability regarding the redemption or use of the Reward. 6.6 Any dispute concerning goods or services received as a Reward under the Program shall be settled between the Cardmember and the Service Establishment, which supplied the goods or services. The Bank will bear no responsibility for resolving such disputes, or for the dispute itself. 6.7 The Bank is not responsible for lost or stolen Rewards and Reward vouchers. 6.8 Redeemed Rewards are not exchangeable for other Rewards, or refundable, replaceable, or transferable for cash or credit under any circumstances. 6.9 Once accrued Membership Rewards Points in a Cardmember s Credit Card have been redeemed for any Reward in the Program, such Points cannot be refunded or transferred back into the Cardmember s Program Account Information supplied on the redemption of Rewards may be used by the Bank or the Service Establishments that provide the Rewards for administrative and marketing purposes The Bank reserves the right to cancel, change or substitute the Rewards or the Rewards conditions at any time with or without notice All Membership Rewards are subject to availability and certain restrictions may apply. The redemption procedure and the terms and conditions applicable to each Reward are set forth in the Membership Rewards voucher issued to the Cardmember Any additional meals, transportation or accommodation arrangements made in connection with any Membership Rewards will be the sole responsibility of the Cardmember In the event that the Reward takes the form of a cash coupon, should the Cardmember purchase goods or services in excess of the value noted on the cash coupon, the Cardmember must use the Card to settle payment or the difference to the participating Service Establishment Unless otherwise specified, allowing usage of the Membership Rewards voucher in association with other special offers offered by the Service Establishment will be at the sole discretion of the Service Establishment Issuance of a dining or travel Membership Rewards voucher might not constitute a reservation. The Membership Rewards voucher holder is responsible for making all reservations and notifying the participating Services Establishment of the Reward(s) they are going to redeem Other American Express Credit Card benefits may not apply to goods or services received as Rewards under the Program Cardmembers may accumulate Membership Rewards Points and redeem those Points for Rewards from the current Membership Rewards Catalog only If the stocks of any Reward have been exhausted and Bank cannot replace it with a similar product/model of equivalent value, that Reward shall cease to be available. Bank shall have no obligation or liability to any Cardmember or any other party where a Reward ceases to be available. Where a Cardmember attempts to claim a Reward that has ceased to be available, Bank will advise the Cardmember of that fact and the sole entitlement of that Cardmember shall be to claim an alternative Reward for a similar number of Rewards Points Cardmembers shall direct all enquiries, requests or correspondence in relation of the Membership Rewards Program, including redemption of Membership Rewards Points for Rewards, to the American Express Customer Service Center at (locally) or (+88) (for overseas calls) or any such other number or numbers as may be notified by the Bank by general publication or otherwise from time to time. Cardmembers redemption requests shall be made by telephone or other method approved by the Bank from time to time. Only Primary Cardmember will be able to request a Reward The Bank will issue a Membership Rewards voucher along with a Notification Letter to the Cardmember in his/her billing address advising him/her to collect the Rewards from a specific Service Establishment. The Cardmember will present the Membership Rewards voucher to the designated Service Establishment together with his/her Credit Card and sign an acknowledgement receipt for the Reward. The merchant will match the signature of the Cardmember with the back of the Credit Card and then deliver the Reward to the Cardmember It is anticipated that the Bank shall require 07 working days time to process Membership Rewards and send Membership Rewards Redemption Voucher to Cardmembers. Bank will have no liability for any delay in processing Rewards to Cardmembers or for any loss in transit or delivery Reward items in the form of a ticket or voucher shall, unless the Bank otherwise specifies, exclude any reservation fees, accommodation, insurance, travel tax or other taxes and fees. All such additional fees, charges or taxes applicable to the use of such a Reward shall be borne by the Cardmember and shall be paid directly to the Service Establishment by the Cardmember upon redemption or use of that Reward All taxes or duties or other Government or public utility fees or charges attributable to the redemption or use of any Membership Rewards shall be the exclusive responsibility of the Cardmember and the Bank shall have no liability of any kind in relation thereto A Cardmember may only be able to claim a Reward that is available in the most recent Membership Rewards Catalog at the date of redemption request or as decided by the Bank. 7. GENERAL 7.1 If a Card Account is not in good standing (overdue or in collection), the Cardmember s enrolment in the Program may be cancelled or Points accrued in the Program Account may be forfeited. A Cardmember s enrolment in the Program may also be cancelled or Membership Rewards Points accrued may be forfeited due to the Cardmember s failure to adhere to the terms and conditions governing the Card Account or the Program. 7.2 If a Cardmember cancels his/her Card(s), or for any reason the Bank cancels any Card Account, any Membership Rewards Points accrued in the Program Account will, at the discretion of the Bank, be suspended and will not be capable of redemption. Such Points accrued in the Card ember s Card Account might be forfeited even when the Card ember reinstates his Card account(s). 7.3 The Bank assumes no responsibility for any loss of whatever nature resulting from the redemption of Membership Rewards.

7 58 TERMS AND CONDITIONS The Bank can suspend or terminate the Program at any time it deems necessary. In such a case, the Bank may or may not give advance written notice to Primary Cardmembers. 7.5 The Bank reserves the right to change the terms and conditions at any time. 7.6 The Bank reserves the right to engage third party service providers in administering the Membership Rewards Program. 7.7 Fraud and abuse relating to the earning of Membership Rewards Points in the Program or redemption of Rewards may result in the forfeiture of accrued Membership Rewards Points as well as cancellation of a Cardmember s Card Account. 7.8 All questions or disputes regarding eligibility for the Program or the eligibility of Membership Rewards Points for accrual or redemption of Rewards will be resolved by the Bank at its sole discretion. 7.9 The Card Account is not transferable Bank s failure to enforce a particular term or condition does not constitute a waiver of that term or condition by the Bank These terms and conditions are to be read in conjunction with terms and conditions governing the Card Account All Program date and records kept by the Bank, including information, shall be final and binding on all Cardmembers. No Cardmember shall be entitled to challenge the validity or accuracy of Bank s Membership Rewards Program, date or records for any purpose whatsoever The Membership Rewards Catalog is valid for any period as decided by the Bank Bank shall have no liability whatsoever in relation to any inaccuracy or mis-description contained in any Membership Rewards Catalog In performing of the Membership Rewards Program, Bank shall not be responsible for any delay or non-performance arising as a result of any matter beyond the reasonable control of the Bank. Matters beyond the reasonable control of the Bank shall include, without limitation, any breach, failure or non-performance by the manufacturer or merchant of any Reward; industrial disputes (including strike, lockouts and the like), acts of God (flood, fire, earthquake etc.), riot, demonstration or civil disturbances of any kind, damage or destruction to machinery, equipment or records of Bank or any Reward provider, acts of war or sabotage of any kind, any change in the laws, regulations or policies of Government of Bangladesh or in the interpretation thereof, or any other matter impacting on performance of the Rewards Program by the Bank. In such an event, all obligations of the Bank pursuant to the terms and conditions of Membership Rewards Program shall be suspended and the Cardmembers shall have no entitlement to file any claim or suit against the Bank or otherwise hold the Bank liable for the consequence thereof The decision of the Bank in all matters of the Program will be final and binding on the participants of the Program. 8. LIABILITY Notwithstanding anything contrary contained herein or in relation to the Program, the Banks issues the Membership Rewards under the Program as a recognition of loyalty and credit worthiness of Cardmember in the use of the Cards only and such Reward does not constitute any promotion or consideration or incentive for use of the Card relating to sale or purchase of any products, services or commitments whatsoever of the Bank and hence does not create any legal obligations upon the Bank towards the Cardmembers, Service Establishments or any other party in relation to and/or arising out of the Reward and/or the Program. 9. GOVERNING LAW These Terms and Conditions are governed by the laws of Bangladesh. TERMS AND conditions GIFT CARD CITY BANK AMERICAN EXPRESS GIFT CARD TERMS & CONDITIONS These terms and conditions including but not limited to FREQUENTLY ASKED QUESTIONS ABOUT THE CARD govern your use of the City Bank American Express Gift Card. By purchasing, signing or using the City Bank American Express Gift Card ( Card or Gift Card ), you are agreeing to the Terms and Conditions. The terms you and your refer to the person who purchased the Card (i.e. the purchaser) and/or the person who is using the Card (i.e. the ultimate beneficiary or the Cardmember ). The terms we, our and us refer to The City Bank Limited, the issuer of the Card. We/our/us and you/your shall be collectively referred to as Parties and individually as party. FREQUENTLY ASKED QUESTIONS ABOUT THE CARD/ TERMS AND CONDITIONS GOVERNING USE OF THE CARD Is the Card a debit card or a credit card? This card is a prepaid payment instrument with BDT value. The Purchaser can select the desired load amount from the available denominations. The Card is NON-reloadable. The card is not a credit, charge or debit card. The Card is not redeemable for cash. The Card should not be used for unlawful purposes. The unspent amount of the initial value loaded is its Available Balance. Is the Card ready to use immediately? The card will be activated by the next working day upon request for activation by the Purchaser. Cards issued against the Accumulated Membership Rewards Points of City Bank American Express Credit Cardmembers need to be activated by respective Cardmembers through Customer Service Center at How is the Card used to make retail purchases? The City Bank American Express Gift Card is warmly accepted at all merchants or retailers in Bangladesh that accept the City Bank American Express Card. Please present the Card to the cashier and specify that it is a Gift Card. The cashier will present you with two copies of a charge slip upon processing the payment. Please handover one copy to the cashier after signing it and retain the other for your records. The transaction is concluded after the cashier verifies your signature by comparing it with the one on the back of the Card.

8 60 TERMS AND CONDITIONS TERMS AND CONDITIONS 61 Is my card eligible for City Bank American Express Selects offer? Yes, your Gift Card is eligible for City bank American Express Selects offer in Bangladesh. What is the valid thru date on the front of the Card? The valid thru date on the front of the Card is the date on which the Card automatically expires and by when the Available Balance on your Card must be used. This date is required to process transactions at Merchants that request an expiration date before accepting the Card. Also note that the Card is valid until the valid thru date shown on front of the Card or until the Available Balance on the Card has been exhausted, whichever is earlier. The Card cannot be used after its valid thru date or after the Available balance has been exhausted. Card will be valid for 2.5 to 3 years. The prepaid card has been issued for once and the card will not be replaced after expiry. Card can only be replaced if it is Lost/Stolen or physically damaged. After the expiry of the valid thru date, the remaining balance will not be refunded to the Cardmembers & the bank will charge BDT 100/month or the remaining balance in the card if the balance is lower than BDT 100. Should the card number and Customer Care Services number be written down? Yes, you should write down the Card number, along with Customer Service number printed on the back of the Card and keep these in a safe place. You will need the Card number to check your Available Balance and for various purposes. Should the receipt from the purchase of the Card be kept? We strongly recommend that you keep the receipt issued by the Merchant after you have made a purchase from a Merchant. We may require this receipt if you request a refund, exchange or replacement of product/service from the Merchant (as per specific Merchant s policies). Where can the Card be used? Are there any usage restrictions? The Card may be used at Merchants and retailers in Bangladesh where City Bank American Express Cards are accepted for electronic transactions. The Card is not a credit card nor is it linked to a deposit account with the Bank. Please note that the Card cannot be used to obtain or redeem cash at ATMs, or for making direct debit, or for recurring charges or regular installment payments (such as monthly utilities or subscriptions where recurring payments are required to be made on a periodic basis as per standing instructions). For details please call Customer Service at How can the balance on the Card be used? The only way to use the Available Balance on the Gift Card is by making a purchase at POS with the Card. Every time you do this, the full amount of the purchase, including taxes and any other fees, gets deducted from the Available Balance. Can the Card be used if its Available Balance does not cover the total purchase price? No, the Card cannot be used to make transactions that exceed the Available Balance. For such a transaction, you need to use the Card only to the extent of Available Balance in the Card and pay the difference by another method if the Merchant agrees. Kindly note that to avoid disruption, you should advise the Merchant of the Available Balance before the Card is swiped. You may check your Available balance by calling our Customer Service at or at Even though ordinarily the Card cannot be used to make a purchase if the Available Balance is less than the purchase amount, if for some reason, a transaction occurs despite an insufficient Available Balance on the Gift Card, you agree to reimburse us, upon request, for the amount of the negative balance created on the Gift Card. What if the Card is lost or stolen? If the Card is lost or stolen, contact Customer Service at for blocking or cancelling the Card. You must provide your name, address, Card number and other details for identification purposes. You agree to give us the required information to help make a complete investigation of the loss or theft of the Card. If the Card is lost or stolen, we will issue you a replacement Card with a value equal to the Available Balance on the Card at the time you notified us of the loss or theft. The Bank, at its own discretion, may issue a replacement card upon request only by the Purchaser of the Card provided that the Card has sufficient balance to cover the Card Replacement Fee. NO REFUNDS WILL BE PROVIDED FOR AMOUNTS DEBITED FROM YOUR LOST OR STOLEN CARD BEFORE YOU NOTIFY US. City Bank shall not be liable for any loss or misuse of the Card. Can merchandise purchased with the Card be returned? Merchandise purchased with the Card is subject to the Merchant s return policies. If the Merchant agrees to issue a credit to the Card, the specific amount will not be reflected in the Available Balance until the credit entry is posted by the bank, which may take several days. For expired Cards, the Merchant will not be able to request for a credit for returned merchandise. What is Inactivity Fee? Inactivity fee will be charged by the bank on two occasions; one, when there is no transaction made in last one year with the Card within the Card validity period and another, when the card has unused balance after expiry of the Card. The fee is BDT 100/month or the remaining balance in the Card if the balance is lower than BDT 100. Can a charge made with the Card be disputed? No, Purchases made with the Card are similar to those made with cash in that you cannot stop payment or lodge a billing dispute on purchases made with the Card. Any problems or disputes you have regarding a purchase should be addressed directly with the Merchant. For any support, call Customer Service at Can the usage of the Card be stopped? The Bank may restrict or stop the use of the Card if suspicious activities are noticed or if the Card is misused.

9 62 TERMS AND CONDITIONS TERMS AND CONDITIONS 63 Can the Card be used for transactions in foreign currency or for transactions outside Bangladesh? No. The Card cannot be used for transactions in foreign currency and is available for use only within Bangladesh for payment in Bangladeshi Taka. OTHER IMPORTANT NOTICES Compliance with Law: The Card is governed by the Bangladesh Bank guidelines and City Bank will not be responsible or liable for any violation of applicable law by you. All transactions done by using the Card are subject to applicable Bangladeshi laws. You shall not use the Card for any unlawful activity. By purchasing or using this Card, you hereby declare that your name does not, at anytime, appear in the consolidated list of Terrorist Individuals/Organizations as circulated by Bangladesh Bank from time to time. Available Balance: You undertake to not use the Card when the Available Balance is zero or to cause the Available Balance on the Card to be negative. You are responsible for checking transaction history and knowing the Available Balance. The Available Balance can be checked at our website or by calling Customer Service at Notification of Error: If you notice any error relating to the Card, you should notify Customer Service immediately at We will immediately do a thorough investigation and revert with the findings and our findings shall be final and conclusive. Fraud Claims: We will NOT entertain any fraud related claim for Gift Cards. No Warranties: We are NOT responsible or liable to you (i) for any loss or misuse of the Card, (ii) for the quality, safety, legality, or any other aspect of any goods or services purchased from any Merchant with the Card, (iii) if any Merchant refuses to honor the Card or for special offers and/or (iv) for any other problems you may have with any Merchant. If you have a problem with a purchase made with the Card, or a dispute with a Merchant, you must deal directly with the Merchant involved. If a Merchant fails to honor the Card, please call Customer Service at to report the incident immediately. Changing these Terms and Conditions: We may change the terms of, or add new terms to, these Terms and Conditions at any time, with or without notice, subject to applicable law. In addition, we may suspend, cancel, add, modify or delete any feature offered in connection with the Card, with or without notice, subject to applicable law. We also reserve the right to modify the Schedule of Charges at any time. Any notice given by us shall be deemed given when, addressed to you at your latest address shown on our records or when such notice is posted on our web site. At any given time, the most updated set of Terms and Conditions will be available at No Interest on Available Balance: No interest will be payable by us on the Available Balance reflected on the Gift Card. Data Protection, Privacy & Disclosure: During any Customer Service call, we may request that you provide your identification information. We may obtain personal information ("Cardmember Information") about you, including information (i) provided to us by the Card purchaser, such as your name and/or your address, address, phone number (ii) provided by you during customer service calls, and (iii) about purchases made with the Card, such as the date, the amount and the place of purchase. For purposes of fraud prevention and regulatory compliance, we may also obtain information from providers of identity verification data and demographic information. Only those persons who need it to perform their job responsibilities are authorized to have access to Cardmember Information. We also maintain physical, electronic, and procedural security measures that comply with applicable regulations to safeguard Cardmember Information. We may be required to disclose information, relating to you and/or to the transactions entered into using the Gift card to any office or branch of the bank or another group member, any regulatory, supervisory, governmental or quasi-governmental, authority with jurisdiction over the bank or another group member, any person to whom the bank is required or authorized by lower court order to make such disclosure: any person who is under duty of confidentiality to the bank, any bank or financial institution with which you have proposed to have dealing, regardless of whether the recipient in each case is located in Bangladesh or in another country and regardless of whether such information will, following disclosure, be held, proceeded,used or disclosed by such recipient in Bangladesh or another country. Telephone Monitoring/Recording: From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law. INDEMNITY You agree to indemnify and keep us fully indemnified against all claims, demands' actions and proceedings which may be made against us and in respect of any and all damages, liabilities, losses, costs and expenses (including legal costs on full indemnity basis) which may be incurred, sustained or suffered by us, directly or indirectly, due to the use or misuse of the Card(s), negligence, misconduct or breach of any of these Terms and Conditions on your part and/or any other act, thing or matter arising out of or in connection with this Agreement. LIMITATION OF LIABILITY Subject to applicable law, you agree that if we fail to carry out any of our obligations, in connection with your Card and as direct

10 64 TERMS AND CONDITIONS 65 result, you suffer loss or costs, we will be liable to you for that loss or cost only but not otherwise. In particular we will not be liable for any consequential loss or any other loss or damage not directly or naturally resulting from the failure, including damages which may flow from extraordinary or special circumstances. In any event, we will not be responsible for losses or costs caused by any third Party including but not limited to losses or costs caused by a third Party due to any mechanical or systems failure. APPLICABLE LAW AND JURISDICTION These Terms and Conditions and the Card, and all questions about their legality, enforceability and interpretation, are governed by the Bangladeshi laws and shall be subject to the sole and exclusive jurisdiction of Bangladesh courts only. OBLIGATIONS OF THE CARD PURCHASER The purchaser of the Card shall be responsible for notifying these Terms and Conditions to the Cardmember and shall ensure that the Cardmember has read, understood and complies with such Terms and Conditions. The purchaser of the Card shall maintain complete and full details of Cardmember including, without limitation, information relating to (i) name; (ii) address; (iii) identity Proof of name and address; and (iv) mobile phone number & address to whom the Card has been issued and shall, promptly, make such details available to us and/or the Bangladesh Bank upon demand. YOUR AGREEMENT TO BE BOUND BY THESE TERMS AND CONDITIONS By purchasing the Card or by signing the back of the Card or by using the Card, you agree to be bound by these Terms and Conditions in their entirety and agree to comply with applicable law at all times. The Card must be signed before use. The purchaser must ensure that the Cardmember has read and understood these Terms and Conditions. The primary responsibility to ensure compliance with these Terms & Conditions by the Cardmember shall lie with the purchaser of the Card. IMPORTANT notes 1. All visuals shown in this Catalog are indicative and representative only; and the visualized product may not be available within the value of the corresponding Membership Rewards voucher. 2. The value of the Membership Rewards voucher has to be used in full for a single redemption. If the Membership Rewards voucher is used for any amount which is less than the value of the voucher, the unutilized amount will automatically lapse. 3. For transactions greater than the value of the Membership Rewards voucher, the additional amount over the voucher value must be paid with your American Express Credit Card. 4. While you redeem the voucher at the Merchant outlet, you will be asked to show your American Express Credit Card to match the details with the Membership Rewards voucher and sign on the voucher that will be solely used as your acknowledgement of the chosen reward item. SCHEDULE OF CHARGES Sl. 1 2 Particulars Inactivity Fee Card Replacement Fee Amount BDT 100/month or the remaining balance in the Card if the balance is lower than BDT 100. BDT % VAT applicable on all Fees and Charges