Dear customers,

The merger between Bank al Etihad and INVESTBANK marks an important step in our journey to build a stronger, more capable bank for you. By combining our strengths, our expertise, and our resources, we are creating an institution with greater reach, deeper capabilities, and more to offer every customer we serve.

We know that a moment like this can raise questions, so I want to be direct about where things stand. We have updated our systems to support the migration, and we are now preparing to move all accounts, balances, loans, cards, and other products and services to Bank al Etihad. We expect this process to be complete by the end of September, and we will keep you informed of each step along the way, including advance notice before your migration date.

Throughout this transition, you can continue banking as usual. Your accounts, cards, and loans will keep working the way they always have. At certain points during the migration, you may experience some temporary disruptions to a few INVESTBANK services. We will let you know well ahead of time, so you can plan accordingly. Any changes that require action on your part, such as updating your new IBAN with your employer, will also be communicated to you clearly and in advance.

This merger is about more than combining two banks. It is about building a stronger banking ecosystem that puts you at the centre of every decision we make, today and in the years ahead. I am grateful for the trust you place in us, and I look forward to welcoming you to this next chapter.

Muntaser Dawwas

Chief Executive Officer