Gulf Bank’s Disclosure on its Analysts Conference Call Script for Q3, 2023

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Terms & Conditions

Gulf Bank Corporate Credit Cards Terms and Conditions of Issuance and Usage Gulf Bank Prepaid Cards Terms and Conditions of Usage Gulf Bank Debit Cards Terms and Conditions of Usage Gulf Bank Credit Cards (MasterCard/Visa) Terms and Conditions of Issuance and Usage

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Can I redeem my Cashback/ savings for something other than cash?

No. The savings earned can be redeemed only as cash credit to the card account.

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Disclosure of Core Information

None

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Terms & Conditions

Gulf Bank Corporate Credit Cards Terms and Conditions of Issuance and Usage Gulf Bank Prepaid Cards Terms and Conditions of Usage Gulf Bank Debit Cards Terms and Conditions of Usage Gulf Bank Credit Cards (MasterCard/Visa) Terms and Conditions of Issuance and Usage

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Gulf Bank’s Disclosure on its Analysts Conference Call Script for Q4, 2023

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How can I ensure my card won't be declined while traveling?

Notify Gulf Bank of your travel plans via Gulf Bank App or by calling ahead. Also, ensure your contact details are updated.

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Supplementary Disclosure on the Feasibility Study for the Proposed Merger between Gulf Bank and Warba Bank

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When will I start earning interest?

From the day your Term Deposit is opened and a deposit is made.Interest rates differ - they depend on the term and amount of the deposit.

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Consumer Loan

...1 to 5 years. Loan amounts up to KD25,000 offering flexible repayment terms at an annual interest rate of 6.5%. Extension for up to 3 monthly installments per year Customer who are looking for purpose of financing personal consumption needs.

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