1 General rules: 1 ALEXREWARDS is a reward program that consists of ALEXPOINTS and ALEXDISCOUNTS. 2 You agree to subscribe to the Program in accordance with these terms, which you must read in addition to reading the terms and conditions of opening a bank account, issuing a credit card, issuing a debit card and ALEXBANK’s Internet banking. 3 You will be automatically enrolled in the program free of charge “Registration is not required”. 4 ALEXBANK may cancel your enrollment in ALEXREWARDS program in case of any of the following: • Closing your account, your card or any of your ALEXBANK products. • You face any legal liability. • Delay in payment of any of your accounts / cards for any reason. • Violation of any of ALEXBANK’s terms & conditions. 5 At any time and without prior notification or liability to the client, ALEXBANK reserves the right to cancel the ALEXREWARDS program and/or cancel and/or modify any of its features and/or enroll and/or dis-enroll customers and/or modify and/or reduce the monetary value of the points and/or the way the points are redeemed, even if these measures will reduce the monetary value of the reward points already earned, without the knowledge of the client and without any prior notice. 6 ALEXBANK is not responsible for any of the products or services, or for the quality of the products and services provided by the merchants, service providers participating in ALEXREWARDS Program. Any complaint must be addressed to the responsible merchant or service provider respectively. 2 ALEXPOINTS Program Terms and Conditions: 1 Points earning mechanism is available on the ALEXBANK Official website and ALEXREWARDS Mobile Application. 2 The following are excluded from points earnings: • Cash payments or ATM’s cash withdrawals. • Annual Cards administration fees. • Interest or commissions charged when credit card payments are delayed. • Late payment charges. • Credit card account expenses and commissions. 3 When a card is deactivated or cancelled as a result of a breach of ALEXBANK’s cards agreement, all points accumulated will be canceled. 4 Points are redeemed as follows: • You can redeem the points collected at any of ALEXPOINTS participating merchants/stores by just mentioning your mobile number registered at ALEXBANK. • Merchants participating in ALEXPOINTS program are available on the ALEXBANK official website and ALEXREWARDS Mobile Application. • Points earned cannot be transferred to cash and / or transferred to your credit card limit under any circumstances. • In case of partial redemptions at merchants/stores, you can still pay the difference with your credit/debit cards or in cash. • You can redeem any number of ALEXPOINTS at any of our participating merchants/stores with no limits on the minimum number of points to be redeemed. 5 You will not earn points on any debit / credit card transaction that has been settled prior to the date of launching ALEXPOINTS program 6 Points collected expire after 24 months from the earning date. 3 ALEXDISCOUNTS Program Terms and Conditions: 1 Offers and discounts are not provided by ALEXBANK and therefore ALEXBANK is not responsible for the terms and conditions binding for such offers / discounts. Therefore, ALEXBANK recommends that you read all terms and conditions related to the offers and discounts provided by participating merchants through the ALEXBANK official website and ALEXREWARDS Mobile application. 2 Payment must be made by any of ALEXBANK credit or debit cards. 3 Discounts do not apply during periods of promotional campaigns or public holidays unless stated otherwise. 4 ALEXBANK may change /remove any offer /discount without prior notice. 5 Any changes related to ALEXDISCOUNTS are posted on the ALEXBANK website and ALEXREWARDS Mobile Application. 4 Electronic Coupons Terms and Conditions: 1 At any time and without prior notification or liability to the Client, ALEXBANK reserves the right to cancel the Electronic coupons and/or cancel and/or modify its features and/or change, add or remove the participating merchants or offers and/or modify or reduce the monetary value of the coupon and/or the way the coupons are exchanged, even if these measures will reduce the monetary value of the coupons already earned, with the knowledge of the Bank and without any prior notice.