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TYPES OF SHARES OFFERED BY BYBLOS BANK
PROCEDURES FOR BUYING C DENOMINATED SHARES FOR FIRST-TIME BUYERS
PROCEDURES FOR SELLING BYBLOS BANK SHARES
CLUES & HINTS FOR SHAREHOLDERS
IMPORTANT NOTICE TO ALL SHAREHOLDERS

TYPES OF SHARES OFFERED BY BYBLOS BANK
There are three types of shares offered from Byblos Bank: A,B, & C shares with a nominal value of 1,200 LBP each and net book value of LBP 2,190 as at December 31, 2000.
• The A / B denominated are for Lebanese & non-Lebanese nationals, and are bought and sold over the counter. 
• The C denominated share is listed on the BSE, and can be bought by Lebanese and non-Lebanese nationals.

A new law was prepared and is being discussed that will eliminate the different types of shares. There will be only one type of shares that can be listed for trading up to 100% and can be held by both Lebanese and non-Lebanese nationals.   Below is an elaboration of how to buy or sell listed shares (C).  If you are interested to buy or sell (A) or (B) shares, which are handled over the counter, please call the Finanacial Market Sales.  01-335240 - 6- 9 

PROCEDURES FOR BUYING C DENOMINATED SHARES FOR FIRST-TIME BUYERS
You are 18 years or older and have some funds that you wish to invest, think of buying Byblos Bank shares.
1- Open a bank account if you still don't have one, at any bank of your choice. (You are not bound to open your account at Byblos Bank.) 
2- Go to any of Byblos Bank 56 branches, or any other bank, broker or financial agent.
3- Fill the "Shareholder Information form", coupled with a copy of your ID. 
4- Fill a "Purchase/Sale Order" available at the Byblos branch, broker, or/and other local bank.
5- Choose the type of order you wish: 
• Good-Till-Cancel (GTC) order: will be left until either cancelled by the client or executed by the broker. 
• Limited order: will be limited to a number of days.
6-Set a price equal to the last closing price plus or minus a maximum limit of 5% of the last closing price. eg: if the last closing price was US$ 2.00, the next price can range between US$ 2.1 (2 + 2*5%) and US$ 1.9 (2 – 2*5%). 
7- Sign the order.
8- Once the order is executed, your account (with Byblos or other banks) will be debited directly, with a three working days value. Since the funds should be already available, no cheques are accepted as a payment method.
9- A full commission of 5 per thousand will be charged, with a minimum of $10 if the amount is less than $2000, since the shares are traded on the BSE.
10- The C denominated shares that you have purchased will be held in custody as a book entry at "Midclear", the central custodian and clearing house in Lebanon. You will not receive a certificate of shares, but can ask for an attestation paper that declares that you are an owner of Byblos Bank C shares. Certificates are now only being distributed for the shares with A & B denomination. 

PROCEDURES FOR TRADING  WITH  BYBLOS BANK SHARES
1- Fill a "Purchase/Sale Order" available at the Byblos branch, broker, or/and other local bank. 
2- Choose the type of order you wish: 
• Good-Till-Cancel (GTC) order: will be left until either cancelled by the client or executed by the broker. 
• Limited order: will be limited to a number of days. 
3- For "C" denominatted shares, set a price with a plus or minus limit of 5%. eg: if the last price was US$ 2.00, the next price can only increase or decrease by a maximum of 5%
4- Sign the order.
5- Once the order is executed, you will be credited to your account (Byblos or other), with a three working days value.
6- A full commission of 5 per thousand will be charged, with a minimum of $10 if the amount is less than $ 2000, since the shares are traded on the BSE .
7- It is also possible as a non first-time buyer/seller, to place an order by fax or phone, on condition that you hold on account.

CLUES & HINTS FOR SHAREHOLDERS 
Did you know that:
1- you have the right to assist to any shareholder general assembly.
2- on the first quarter of each year the board of directors meets to see how much profit the bank has achieved, and proposes to the General Assembly the percentage of the profit that will be distributed to shareholders. This is called the dividend. 
3- advantage of having your account at Byblos Bank is that you will get your part of the dividends quicker when the profits are set, since we will automatically credit the dividends to your account. 
4- upon buying your shares you will be asked to choose where would you like to receive your dividends. 
5- the price of the "C" shares are set according to supply and demand everyday at 11 a.m. on the (BSE) Beirut Stock Exchange, which is also found on the internet.
6- you can take a loan from another bank or company against your Byblos Bank shares: 
You write a letter to the concerned Bank/Company requesting to pledge your Byblos Bank shares against your loan, bundled with your certificate of shares. Accordingly, the Bank/Company will in their turn send Byblos Bank a request to pledge your shares as per your requisition. Once we take notice of this, we will put a sign next to YOUR shares that they are pledged to Bank X or Company Y. You can decide to pledge the shares alone, or the shares and the dividends.