Afaaq AlAhli.. Greater value to your salary

Advantages of "Afaaq AlAhli":
Once you become a member of the"Afaaq AlAhli" program, you will enjoy all
the care and attention you deserve, and be able to take advantage of the
many privileges which include:

1 – A current account:  without the requirement of a minimum balance
and without any penalty fees on low balances.

2 - Priority in service provided to you:

- Through branches: the automated queuing system will recognize your
membership and prioritize your service.

- Through AlAhli Telephone Banking: you will receive membership recognition
and service in less than 20 seconds.

- Via AlAhli Online: As a member of "Afaaq AlAhli" conduct your banking
transactions anytime, anywhere.

3 - More time to serve you:
Working hours are no longer considered a barrier for visiting our
branches, we have allocated 11 branches in all major cities to meet your
requirements at any time 7 days a week until the late hour of 11 pm,
to implement what you want from all banking
transactions. (Except for cash transactions)

4 - Accidental insurance (optional):
The program gives you Islamic insurance coverage against Personal
Accidents up to SR 100 thousand, and with an annual fee of SR 60 only.
For your peace of mind, apply now and get your insurance
notice for the service.

5 - Finance your dreams - Personal Finance Program:
Through “ Tayseer  Alahli ” program, which is based on the principle of
selling in installments and complies with the requirements of the Shariah,
the program gives you instant approval for financing of up to 18 times
of your salary with the lowest profit margin, and that gives you full
freedom to make the decision to acquire the item or sell it and deposit
the cash in your account on the same day,

In addition to many features such as you and your family are exempted
from all the remaining installments in case of death or disability
(God forbid).

6 - Own your private home easily - the Residential Finance Program for Saudis
Through the Residential Finance Program, which is compliant with the
requirements of the Shariah which provides a lot of financing programs
with easy conditions in an easy and affordable steps. It allows you
to easily buy the property of your choice whether a villa, apartment or
land that meeta your goals and family objectives with financing up
to SR 3 million, and to pay it back in comfortable monthly installments that
fit your budget for up to 30 years, with the possibility of combining income
of spouses to get a higher amount of finance, in addition to the Islamic
Takaful insurance on your home with a waiver of all the remaining
installments in case of death or disability (God forbid).

7 – Get your new car – Auto Lease Program
Through Alahli Auto Lease Program for lease with promise to own, compliant
with the requirements of the Shariah, you can own your car quickly and
easily, without a down payment, and with the least procedures, and with
approval in less than 24 hours, and a special discount on the profit rate
and processing fees.

8 - Choose the Credit Card that suits your lifestyle - AlAhli Islamic
Credit Cards
- Tayseer Alahli credit card: Free for first year, Tayseer Alahli credit card
allows you to get up to15% cash back of the total value of your purchases,
when used at Company brand names participating with us locally and
internationally, or get up to 2% cash back of the total value of your
purchases with all other commercial stores by using your Titanium and Platinum credit cards.

- Amyali credit card: Free for first year,  Amyali credit card allows you to
gain air miles every time you use your card, and replace the flights with any
airline and any destination you want in addition to the possibility of replacing
miles for hotel reservations and tours, or transfer to any of the partners of
our programs around the world via travel offices accredited by the National
Commercial Bank, and, if used at participating stores with us, it will
calculate the miles doubly.

- Qitaaf credit card: Free for first year, Qitaaf credit card gives you one
point with every purchase worth SR 20, and you can redeem points earned
by free services to the Saudi Telecom Company, such as text messaging
and free calls and many other services offered by STC as well as vouchers
and many more.

- We also offer you free for life additional credit cards when you request on
all types of credit cards offered by the bank.

9 - Plan for your future and enjoy peace of mind - Alahli Takaful Program
The “Alahli Takaful and Savings Program”, based on the principle of
cooperative insurance and approved by the Shariah Board, provides you with
reassurance and peace of mind. It features many distinctive characteristics,
including:

- Immediate coverage directly after signing a contract
- The possibility of cancellation of all contributions and refund within the
first 21 days without incurring any financial penalties.
- No requirement for medical examinations for customer’s whose saving
reach SR 1.5 million as an exemption designed specifically for payroll customers.
- The possibility of deferred installments.
- Provide a variety of investment plans (low, medium, high)

10 –Thimaar Program
Thimaar Program is a regular investment plan and a time honored strategy
designed to help investors accumulate wealth by investing fixed amounts of
capital on a monthly basis. Thimaar is an affordable way to invest
in any of our mutual funds and a flexible program that helps you plan
your future lifestyle and realize your dreams.

Benefits:
-Advantage of regular amount installment helps to average out your costs by
taking advantage of market fluctuations.
-Regardless of the selected mutual fund’s respective minimum investment
amount, with THIMAR program you will only be subject to its minimum
subscription amount.
-Through the Thimaar Program investors will have access to all NCB Capital
open-ended mutual funds.

11 - Quick transfers
In less than 5 minutes you can access your account even if you lost your ATM
card or credit card, and transfer from your account up to SR 37 400
a day through phone banking or Alahli Online from about 190 countries
around the world. Registration is required for the service through
our online website or telephone banking.

12 - Take advantage of our sophisticated electronic channels
Our e-banking services enable you to implement a lot of your dealings with all
the comfort and ease to the maximum speed, whenever you want and wherever you are. Our electronic channels include many
advanced services: Alahli Telephone Banking, Alahli Online, and more than 1500 ATMs.

13 – SMS notification messages
This facility enables you to receive text messages on your mobile phone,
free of charge for all your banking transactions - including the deposit
of salary to your account every month and, in addition to SMS notification
messages on all your Credit Card transactions.

14 - Special designs fitting your personality
A free international ATM card specially designed and is considered the
customer membership card in the program. In addition to the checkbooks
of special design, that fits with your personality and your style.

Additional benefits for members of the "Afaaq AlAhli Executive":
- 50% discount on annual fees for credit cards (from the second year onwards).
- 50% discount on safe deposit boxes of all sizes (subject to availability).
- 50% discount on remittances transaction fees within and outside the Kingdom.
- Standing Orders transactions are free of charge.
- More comprehensive insurance coverage up to SR 200,000 against personal accidents.
- Access to airports branches to facilitate most of your banking needs.