1. Definitions

1.1 “Bank” means Riyad Bank.

1.2 “Campaign” means the Rewards-linked Balance Boost Campaign launched and administered by the Bank.

1.3 “Customer” means any individual customer holding an active account relationship with the Bank or any individual customer who opens a new account relationship with the Bank during the Campaign Period.

1.4 “Eligible Customer” means a Customer who satisfies all Campaign eligibility criteria, registration requirements, and validation checks.

1.5 “Hassad Points” means loyalty points under the Bank’s Hassad loyalty program, which may be awarded to Eligible Customers in accordance with these Terms & Conditions.

1.6 “Hassad Program” means the Bank’s loyalty program, subject to the terms and conditions approved by the Bank.

1.7 “Current Account Balance” means the average current account balance maintained by the Customer with the Bank for the current month, as calculated and recognized by the Bank’s internal systems for Campaign purposes.

1.8 “Reference Balance” means the Customer’s average Current Account Balance during the three months immediately preceding the month in which the Customer registers for the Campaign.

1.9 “Business Day” means any official working day in the Kingdom of Saudi Arabia on which banks are open for business.

1.10 “Fraudulent Activity” includes, without limitation, any manipulation, misuse, suspicious activity, artificial balances, non-genuine transactions, or any activity deemed inappropriate by the Bank.

1.11 “Force Majeure Event” means any event beyond the reasonable control of the Bank, including but not limited to system outages, cyber incidents, regulatory actions, natural disasters, war, strikes, communication failures, or operational disruptions.

2. Campaign Overview

2.1 The Campaign is offered by the Bank subject to these Terms & Conditions.

2.2 The Campaign enrollment period shall commence on 6 July 2026 and continue until 10 September 2026.

2.3 Campaign registration is available through the Riyad Bank app.

2.4 Participation in the Campaign constitutes full acceptance of these Terms & Conditions and the Bank’s applicable product terms.

2.5 Customers shall not be entitled to claim any points, benefits, or rewards outside the scope of these Terms & Conditions or outside the Campaign Period.

2.6 Eligible Hassad Points under this Campaign shall be processed monthly within the first ten (10) Business Days of each of the following months: August 2026, September 2026, October 2026, November 2026, December 2026, and January 2027 (for the final reward payout), subject to Customers meeting all Campaign eligibility criteria and all applicable terms and conditions prescribed by the Bank.

3. Eligibility

3.1 The Campaign is available to all Customers with active current accounts opened before or during the Campaign Period.

3.2 Employees of Riyad Bank are not eligible to participate in the Campaign.

3.3 The Customer must maintain an active account that is not frozen, dormant, or closed throughout the Campaign Period and until any eligible Hassad Points, if applicable, are credited.

3.4 The Customer must register for the Campaign through the Riyad Bank app or by visiting the nearest barnch.

3.5 Customers will not be automatically enrolled in the Campaign. Registration is a mandatory condition for participation and entitlement.

3.6 The Customer must either already be enrolled in the Hassad Program or by accepting these terms and conditions, you also accept enrolling into Hassad Program TC-Hasad.pdf

3.7 Registration in the Campaign and enrollment in the Hassad Program are mandatory conditions for earning any additional points or Campaign-related rewards, including points related to increasing the Current Account Balance.

3.8 The Bank reserves the right to reject, cancel, or suspend the registration of any Customer who does not satisfy the eligibility criteria or the validation requirements for earned-point entitlement.

3.9 Registration in the Campaign does not guarantee entitlement to Hassad Points. Entitlement is subject to the Customer satisfying all eligibility, calculation, and internal validation requirements.

3.10 Joint accounts, dormant accounts, and frozen accounts are excluded from participation.

3.11 Customers with fraud indicators, suspicious activity, regulatory concerns, or breaches of the Bank’s product terms are excluded from the Campaign without prior notice.

3.12 Customers who receive benefits under any campaign relating to increasing the balance or the average account balance are not eligible to earn Hassad Points for increasing their average Current Account Balance under this Campaign. However, any card-related points, including points related to Credit Card spending, Prepaid Card spending, or Credit Card Activation, will continue to apply in accordance with the Hassad Program terms.

4. Qualifying Activities for Hassad Points

4.1 Following successful registration in the Campaign, an Eligible Customer may qualify to earn Hassad Points for performing any of the following activities, subject to the rules, limits, and rates determined by the Bank:

a. Spending through a Credit Card — Click here for the Terms & Conditions.

b. Credit Card Activation — Click here for the Terms & Conditions.

c. Spending through a Prepaid Card — Click here for the Terms & Conditions.

d. Increasing the Current Account Balance above the Reference Balance, subject to the eligibility restrictions set out in these Terms & Conditions, including the exclusion of Customers benefiting from any campaign relating to increasing the balance or the average account balance from earning Current Account Balance increase points.

4.2 A Customer may earn Hassad Points for one or more qualifying activities, provided that the conditions applicable to each activity are satisfied separately.

4.3 The Bank reserves the right to determine eligible and ineligible transactions for the purpose of calculating Hassad Points. The Bank’s records, systems, and decisions shall be final and binding in this regard.

4.4 Any examples, tables, calculations, or promotional materials related to the Campaign are provided for illustrative and marketing purposes only and do not constitute guaranteed entitlement.

5. Hassad Points for Increasing Current Account Balance

5.1 An Eligible Customer may earn Hassad Points when the average Current Account Balance for the current month exceeds the average balance during the three immediately preceding months, which is referred to as the Reference Balance, subject to these Terms & Conditions.

5.2 If the Customer registers during the registration period, the Reference Balance will be calculated based on the average Current Account Balance during the three months immediately preceding the month of registration. For example:

Reference Balance Calculation:

Average balance in March	40,000
Average balance in April	10,000
Average balance in May	10,000
Reference Balance	(40,000 + 10,000 + 10,000) / 3 = 20,000

Note: The monthly average balance is calculated by taking the account balance at the end of each day in the month and dividing the total by the number of days in that month.

5.3 The Customer must increase the average Current Account Balance by at least SAR 5,000 above the Reference Balance to be eligible for Hassad Points under this section. For example:

Hassad Points Calculation:

If the Customer’s Reference Balance is SAR 20,000 and the average Current Account Balance during the month of Campaign registration becomes SAR 27,000:

Description	Value
Reference Balance for the three months preceding the Customer’s registration	SAR 20,000
Average Current Account Balance during June	SAR 27,000
Increase above the Reference Balance and June average balance	SAR 7,000
Calculated points	7,000 / 5 = 1,400 points
Eligible points after applying the maximum cap	1,400 points

5.4 Hassad Points will be calculated at a rate of one point for every SAR 5 increase in the average Current Account Balance compared with the Reference Balance, subject to satisfying the minimum increase requirement stated above.

5.5 Maximum points disbursed are capped at 100,000 Hassad Points per Customer per month.

5.6 Within the first ten Business Days of the following month, any eligible Hassad Points will be credited to the Customer’s account based on the increase in the average Current Account Balance during the previous month compared with the Reference Balance. For example:

During the first ten Business Days of July, Hassad Points will be credited based on the increase in the average Current Account Balance for June compared with the Reference Balance.

5.7 A withdrawal from the Customer’s savings account and deposit of the withdrawn amount into the Current Account shall not be treated as an eligible transaction when calculating the average Current Account Balance or the Reference Balance. For example:

If the Customer increases the Current Account Balance by SAR 15,000 as a result of withdrawing SAR 10,000 from the Customer’s savings account, Hassad Points will be awarded only on the net increase of SAR 5,000.

5.8 The Reference Balance and the increase in the average Current Account Balance shall be calculated across all of the Customer’s current accounts.

5.9 The Bank reserves the right to recalculate, adjust, suspend, or reverse Hassad Points if any operational or technical error, manipulation, misuse, suspicious activity, or ineligible activity is identified.

6. Crediting and Redemption of Hassad Points

6.1 For points related to increasing the Current Account Balance, points will be credited within the first ten Business Days of the following month, subject to completion of all internal validation and reconciliation processes.

6.2 Customers may redeem Hassad Points through the redemption options available under the Hassad Program via the Riyad Bank app or any other channel determined by the Bank.

6.3 Redemption of Hassad Points is subject to the Hassad Program terms and conditions and any additional terms determined by the Bank or relevant partners.

6.4 Hassad Points are not directly exchangeable for cash and may not be transferred, sold, or assigned except as permitted by the Bank under the Hassad Program.

6.5 In the event of any conflict between these Terms & Conditions and the Hassad Program terms and conditions regarding the use or redemption of points, the Hassad Program terms and conditions shall apply to the extent related to redemption and use.

6.6 The Customer must be enrolled in the Hassad Program at the time of Campaign registration, or by accepting these terms and conditions, you also accept enrolling into Hassad Program TC-Hasad.pdf

7. Customers Not Registered in the Campaign

7.1 If a Customer does not register for the Campaign and already uses a Credit Card or Prepaid Card, the Customer’s usual earning of Hassad Points on eligible card transactions will not be affected, subject to the applicable Hassad Program terms.

7.2 Customers who are not registered in the Campaign shall not be entitled to claim any additional points or Campaign-specific benefits.

8. Registered Customers Already Using Cards

8.1 If a Customer registers for the Campaign and already uses a Credit Card or Prepaid Card, the Customer will continue to earn Hassad Points on eligible transactions under the usual Hassad Program mechanics.

8.2 The Customer may receive additional points under the Campaign, including points related to increasing the Current Account Balance, if all eligibility and calculation requirements are satisfied, provided that the Customer is not benefiting from the Salary Transfer Cashback Campaign in relation to Current Account Balance increase points.

8.3 The Campaign does not affect any points previously earned, unless such points were credited in error or as a result of manipulation, misuse, or ineligible activity.

9. Customers Benefiting from Any Campaign Relating to Increasing the Balance or the Average Account Balance

9.1 Customers benefiting from any campaign relating to increasing the balance or the average account balance are not eligible to earn Hassad Points for increasing their Current Account Balance under this Campaign.

9.2 The above clause does not affect the Customer’s eligibility to earn card-related points, including points related to Credit Card spending, Prepaid Card spending, or Credit Card Activation, in accordance with the Bank’s applicable policies and the Hassad Program terms.

9.3 The Bank reserves the right to determine whether a Customer is benefiting from any campaign relating to increasing the balance or the average account balance based on the Bank’s internal records and systems. The Bank’s decision in this regard shall be final and binding.

10. Disqualification and Bank Recovery Rights

10.1 A Customer shall become ineligible to receive Hassad Points or any future Campaign benefits in any of the following cases:

a. Failure to register for the Campaign during the registration period.

b. Failure to enroll in the Hassad Program or complete Hassad Program enrollment at the time of the campaign for customers who registered in the campaign before 29/07/2026.

c. Failure to satisfy the eligibility criteria.

d. The account becomes inactive, frozen, blocked, restricted, dormant, or closed.

e. The Customer breaches any product, account, card, Hassad Program, or Campaign terms.

f. Fraudulent, suspicious, misleading, unusual, or abusive activity is identified.

g. Transactions on which points were calculated are cancelled, reversed, or refunded.

h. The Customer is benefiting from the Salary Transfer Cashback Campaign, in relation to Current Account Balance increase points only.

i. The Bank determines, at its discretion, that continued participation presents operational, legal, regulatory, reputational, or financial risk.

10.2 The Bank reserves the right to recover, reverse, deduct, or adjust any Hassad Points credited in error or obtained through misuse, manipulation, operational issues, technical failures, duplicate processing, or Fraudulent Activity.

10.3 The Bank may take any action it deems appropriate, including suspending participation, cancelling points, restricting accounts, or suspending benefits, to the extent permitted under applicable laws and regulations.

11. Fraud, Abuse, and Manipulation

11.1 Any attempt to manipulate registration, transactions, account balances, card activity, or Campaign eligibility may result in immediate disqualification.

11.2 The Bank reserves the right to investigate suspicious patterns, unusual activity, duplicate participation, artificial transactions, or non-genuine balances.

11.3 Customers involved in fraudulent, unlawful, misleading, abusive, or suspicious activities may be reported to the relevant authorities where applicable.

11.4 The Bank may restrict accounts, suspend benefits, reverse points, or terminate participation without prior notice if misuse is suspected.

12. Operational and System Limitations

12.1 The Bank shall not be liable for any delays, interruptions, technical failures, communication errors, cyber incidents, Force Majeure Events, or operational disruptions affecting registration, participation, or the crediting of Hassad Points.

12.2 The Bank’s records, systems, reports, classifications, calculations, and decisions shall be final and binding for all Campaign-related matters, including eligibility, registration, eligible transactions, and point calculations.

12.3 In the event of discrepancies, technical limitations, system defects, reconciliation issues, or operational errors, the Bank reserves the right to recalculate, adjust, delay, suspend, or reverse Hassad Points.

12.4 The Bank does not guarantee uninterrupted availability of digital channels, systems, mobile applications, websites, or Campaign registration platforms.

13. Regulatory, Legal, and Compliance

13.1 The Bank reserves the right to amend Campaign mechanics, eligibility criteria, reward structure, or operational processes to comply with regulatory, legal, Shariah, audit, risk management, or internal governance requirements.

14. Campaign Amendment and Termination

14.1 The Bank reserves the right, at its sole discretion and without prior notice, to amend, suspend, extend, withdraw, replace, or terminate the Campaign or any part of these Terms & Conditions at any time.

14.2 The Bank reserves the right to limit, cap, suspend, or discontinue the crediting of Hassad Points due to budget limitations, operational constraints, regulatory instructions, risk considerations, or Force Majeure Events.

14.3 Continued participation in the Campaign following any amendment constitutes acceptance of the revised Terms & Conditions.