Terms and Conditions – 96th Saudi National Day Apple & Newcastle Campaign

“Leaderboard” means the ranking of participants based on points.

1. Campaign Duration

The Saudi National Day Campaign will run for 112 days, commencing on 17/09/2026 and ending on 06/01/2027.

The Campaign consists of 16 weekly Leaderboard rounds, with each round lasting seven (7) days.

The Newcastle Campaign will run for 56 days, commencing on 17/09/2026 and ending on 11/11/2026.

The Campaign consists of 8 weekly Leaderboard rounds, with each round lasting seven (7) days.

Collectively referred to as the “Campaign Period.”

Any transaction made before the start of the Campaign Period or after its expiry will not be eligible to earn points or qualify under the Campaign.

2. Eligibility

1. The Campaign is available to all eligible barq customers who hold a valid and activated barq Visa Card during the Campaign Period.

2. The Campaign does not include mada cards or any other card or payment method other than the barq Visa Card.

3. The customer’s barq wallet account and barq Visa Card must remain valid and active throughout the Campaign Period, as well as at the time of prize eligibility verification and prize delivery.

4. A customer will automatically participate in the Leaderboard upon completing their first Eligible Transaction during the Campaign Period. No separate opt-in or registration is required.

5. The minimum value of an Eligible Transaction for earning points is SAR 5.

6. Participants must be at least 18 years of age according to the Hijri calendar.

3. Eligible Transactions

1. An “Eligible Transaction” means any successful and completed purchase transaction made using a barq Visa Card during the Campaign Period that satisfies all terms and requirements set out in these Terms and Conditions.

2. Successful and completed domestic or international purchases made using a barq Visa Card through point-of-sale terminals or online merchants will qualify for the Campaign, provided that the value of each transaction is not less than five Saudi Riyals (SAR 5).

3. The transaction must be successfully posted and settled in order to be considered an Eligible Transaction for Campaign purposes.

4. The counting of any transaction is subject to verification that it meets all eligibility requirements and criteria specified in these Terms and Conditions, in addition to the relevant internal policies approved by barq.

4. Ineligible Transactions

The following transactions will not be considered Eligible Transactions for the Campaign:

a. Cash withdrawals from ATMs.
b. Any domestic or international transactions made through point-of-sale terminals or online merchants without using a barq Visa Card.
c. Cancelled, refunded, reversed, or disputed transactions.
d. Wallet-to-wallet transfers and money transfers.
e. Transfers or payments to digital wallets, digital banks, or finance companies.
f. Bill payments and payments made through telecommunications company applications.
g. Transactions related to taxi services, car rentals, and public transportation.
h. Transactions related to consulting services and accounting firms or offices.
i. Any transaction that barq determines to be fraudulent, fictitious, carried out for the purpose of circumventing the Campaign Terms and Conditions, or otherwise constitutes misuse of the Campaign mechanism.

5. Qualification Mechanism

1. A customer who satisfies the eligibility requirements will earn points and participate in the Leaderboard upon completing an Eligible Purchase Transaction in accordance with these Terms and Conditions.

2. The Leaderboard will be established based on each customer’s total cumulative eligible spend during the relevant week.

3. Points accumulation and participation will expire at the end of the Campaign Period as specified above.

4. A customer may compete on the Leaderboard throughout the Campaign Period provided that the customer continues to satisfy the eligibility requirements and completes an Eligible Purchase Transaction.

6. Points Calculation

1. Eligible Transactions will earn Base Points according to transaction amount ranges determined by barq and displayed in the application.

2. The transaction amount ranges and the corresponding Base Points for each range will be displayed to customers within the barq application under the Campaign’s “How to Earn Points” section.

3. If points were previously awarded for a transaction that is subsequently refunded, reversed, cancelled, or subject to a chargeback, the corresponding points will be recovered and deducted in accordance with the applicable points recovery mechanism.

4. Customers may receive an additional 5% in points as a Merchant Diversity Bonus when completing Eligible Transactions with different merchants, in accordance with the Campaign’s points calculation rules.

5. Repeated transactions with the same merchant on the same day may be subject to a Repeat Merchant Points Reduction after the applicable transaction threshold has been reached.

6. The number of transactions permitted before the Repeat Merchant Points Reduction applies will vary according to the transaction value range and will be determined by barq.

7. Once the applicable threshold has been exceeded, points awarded for subsequent repeated transactions with the same merchant will be progressively reduced in accordance with the Campaign’s points calculation rules, including reductions of 20%, then 50%, and up to 100% (zero points), as applicable.

8. A customer’s Final Points will reflect the applicable Base Points, Merchant Diversity Bonus, and any reduction applied due to repeated transactions with the same merchant.

7. Leaderboard and Ranking

1. Customers will be ranked on the weekly Leaderboard based on their total Final Points earned during the relevant weekly round.

2. The Leaderboard will reset at the beginning of each new weekly round.

3. Customers may view their points and ranking through the barq application.

4. Customers may also view their final individual ranking for the immediately preceding weekly round.

5. A customer who has already won a prize during the Campaign may continue earning points and viewing their ranking but will not be eligible to win another prize during the Campaign.

8. Prizes and Winner Selection – Newcastle Campaign

1. The Campaign includes a total of 80 Newcastle United experience prizes, distributed as follows:

   • 20 Hospitality prizes

   • 60 General Admission prizes

2. Each winner will receive one ticket to attend a Newcastle United football match, according to the prize category allocated to them, together with round-trip Business Class airfare and accommodation, provided by barq and its partners.

3. Each winner will receive a two-night stay at a 4-star hotel.

4. Prizes will be allocated weekly based on the customer’s final eligible ranking on the Leaderboard for the relevant weekly round.

5. A specific prize will be allocated to each Leaderboard position as determined by barq.

6. At the end of each weekly round, the highest-ranked eligible customers will receive the prizes allocated to their final positions, subject to final eligibility and transaction verification.

7. Each customer may win only one prize throughout the Campaign Period. Customers who have already won will not be eligible for subsequent prizes, even if they continue to appear on the Leaderboard.

8. Prizes may not be transferred to another person, exchanged for cash, refunded, or substituted for any other benefit unless otherwise determined by barq in accordance with applicable laws and regulations.

9. The prize category, whether Hospitality or General Admission, will be allocated according to the customer’s final Leaderboard position and barq’s allocation for each position.

10. The prize includes a two-night stay at a 4-star hotel in Newcastle, provided by barq and its partners.

11. Tickets will be distributed as follows:

• During Weeks 1 and 2, four (4) Hospitality prizes and eight (8) General Admission prizes will be awarded each week.

• From Weeks 3 through 6, two (2) Hospitality prizes and eight (8) General Admission prizes will be awarded each week.

• Starting from Week 7, two (2) Hospitality prizes and six (6) General Admission prizes will be awarded each week until all prizes allocated to the Campaign have been exhausted.

9. Prizes and Winner Selection – Saudi National Day Campaign

1. The Campaign includes a total of 192 Apple device prizes, consisting of:

   • 96 iPhone 17 Pro 256GB devices

   • 96 Apple Watch Series 11 devices

2. A total of 192 winners will be selected, with each winner receiving only one prize.

3. Prizes will be allocated weekly based on the customer’s final eligible ranking on the Leaderboard for the relevant weekly round.

4. A specific prize will be allocated to each Leaderboard position as determined by barq.

5. At the end of each weekly round, the highest-ranked eligible customers will receive the prizes allocated to their final positions, subject to final eligibility and transaction verification.

6. Each customer may win only one prize throughout the Campaign Period. Customers who have already won will not be eligible for subsequent prizes, even if they continue to appear on the Leaderboard.

7. Prizes may not be transferred to another person, exchanged for cash, refunded, or substituted for any other benefit unless otherwise determined by barq in accordance with applicable laws and regulations.

8. Twelve (12) prizes will be distributed during each weekly Campaign round, consisting of six (6) iPhone 17 Pro 256GB devices and six (6) Apple Watch Series 11 devices, resulting in a total of 192 prizes during the Campaign Period (96 iPhone 17 Pro 256GB devices and 96 Apple Watch Series 11 devices). Winners will be determined based on their final eligible ranking on the weekly Leaderboard according to the positions allocated by barq for each prize.

Weekly Leaderboard Prize Allocation

The customers’ final ranking on the Leaderboard for each week will be determined according to their final position, as follows:

Campaign Period

Hospitality

General Admission

iPhone 17 Pro 256GB

Apple Watch Series 11

Weeks 1–2

Positions 1–4

Positions 5–12

Positions 13–18

Positions 19–24

Weeks 3–6

Positions 1–2

Positions 3–10

Positions 11–16

Positions 17–22

Weeks 7–8

Positions 1–2

Positions 3–8

Positions 9–14

Positions 15–20

Weeks 9–16

None

None

Positions 1–6

Positions 7–12

10. Recovery and Deduction of Points

1. If an Eligible Transaction is subsequently cancelled, refunded, reversed, disputed, subject to a chargeback, or otherwise determined to be ineligible, any points previously awarded in respect of that transaction may be deducted.

2. If the relevant weekly Leaderboard round has already ended, the points may be deducted from the customer’s points in the next applicable Leaderboard round.

3. If the full deduction cannot be applied during the current Campaign, any remaining points may be carried forward and deducted from a subsequent eligible Leaderboard campaign in accordance with barq’s applicable points recovery mechanism.

4. Any such deduction may affect the customer’s points, ranking, and eligibility to receive a prize.

5. barq will contact winners using the contact details registered with barq or through any of its approved official communication channels.

6. barq may attempt to contact each winner up to two (2) times on two different business days.

7. If a winner cannot be contacted or does not respond within the specified period, barq may, subject to applicable laws and regulations, disqualify the winner and select an alternative winner from among eligible customers.

8. In order for a prize to be delivered, the winner’s barq wallet account and barq Visa Card must remain valid and active, and the winner must satisfy all Campaign Terms and Conditions at the time prize eligibility is verified.

9. Prizes will be delivered to winners within the period determined by barq after completion of the Campaign and verification of the winners’ eligibility, in accordance with applicable regulatory requirements.

11. Announcement of Winners

1. Winners may be announced through barq’s official channels, including the barq application, website, or official social media accounts, in accordance with applicable laws and regulations.

2. The use of a winner’s name, image, or any other personal information in Campaign promotional or advertising materials will be subject to obtaining any necessary consent where required under applicable laws and regulations.

12. Fraud and Misuse

1. barq reserves the right to review transactions and verify their compliance with the Campaign requirements. barq may exclude any participation or cancel any qualification or prize if fraud, circumvention, misuse of the Campaign, or a breach of these Terms and Conditions is identified.

2. Fraud or misuse includes, but is not limited to:

a. Conducting fictitious or fraudulent transactions.
b. Artificially inflating the number or value of transactions for the purpose of qualifying for the Campaign.
c. Artificially splitting or repeating transactions for the purpose of circumventing the Campaign requirements.
d. Misusing cancellation or refund transactions.
e. Misusing the Campaign mechanism.
f. Any conduct intended to obtain opportunities or benefits in a manner inconsistent with the purpose of the Campaign or these Terms and Conditions.

3. Nothing in this section shall prejudice any other rights available to barq under applicable laws and regulations or agreements in force between barq and the customer.

13. General Provisions

1. barq reserves the right to verify transactions and information relating to participation to the extent necessary to administer the Campaign, verify eligibility, and prevent fraud and misuse.

2. In the event of any conflict between these Terms and Conditions and any advertising or promotional material relating to the Campaign, these Terms and Conditions will prevail, without prejudice to any customer rights provided under applicable laws and regulations.

3. If a customer wins any prize and barq subsequently determines, at any time, that the Eligible Transaction or participation associated with the winning entry resulted from fraud, manipulation, misuse, suspicious activity, or was otherwise in breach of these Terms and Conditions, barq may revoke the customer’s eligibility and recover the prize or its value, as applicable, if the prize has already been delivered to the customer, without prejudice to any other rights or remedies available to barq under applicable laws.

4. barq will not be liable for transactions declined as a result of the customer exceeding their daily or monthly spending limits.

5. The Campaign is subject to the applicable laws and regulations of the Kingdom of Saudi Arabia and any relevant regulatory requirements or approvals.

6. Participation in this Campaign constitutes the customer’s acceptance of these Terms and Conditions. Customers are responsible for reading and understanding these Terms and Conditions before participating in the Campaign.

14. Customer Service

For inquiries relating to the Campaign or related transactions, customers may contact barq Customer Service through:

• Toll-free number: 8001000077

Live chat: Available through the barq application