The client has the right to request a statement of account for himself,
provided that there is a proof of his identity or through a person authorized
to do so, whether the client is an individual or a company, as follows: -
- If the client is an individual, this requires showing up the original ID card
for adults or birth certificate for minors.
- If the client is a company or an establishment, this requires a notarized
letter from the company and a copy of the authorized signatory's ID card.
- If the client has an authorized agent, the agent must bring the original
power of attorney in addition to his ID card.
The client's statement of account can be obtained from The Group website.

To open an account at The Group, you are required to bring corroborative
documents and papers that differ based on the client's nationality and location
as follows: -


- For the natural person from the State of Qatar: -
Shareholder's statement from Qatar Exchange - copy of the ID card (in case of
having a residence permit in Qatar) - copy of the passport (in case there is no
residence permit)
- For the legal person from outside the State f Qatar: -
Shareholder's statement from Qatar Exchange - Commercial Register - copy of the
ID card of the authorized signatory at the Register and he must come in person
- For opening the account under a power of attorney: -
Shareholder's statement from Qatar Exchange for the principal client - copy of
the ID card of the principal client - copy of the ID card of the authorized
agent - the original power of attorney

The client can change his personal data registered at The Group at any time,
such as changing the mobile number, or P.O. Box or address ... etc, by going in
person [or someone on behalf of him under an authorization] to the department
of opening accounts at any branch of The Group with a proof of identity for
both.

The client who wants to change his name or the name of one of his minor
children must go in person to the Customer Care Department at the main branch
of The Group and bring the letter of the Ministry of Interior and the identity
card or birth certificates of minors. The Customer Care Supervisor in turn will
coordinate with the relevant sides at The Group.

Note that it is a must to change the name at Qatar Exchange to complete the
trading transactions on shares.

The Group does not charge any fees for opening an account.

Yes, there is a special department for women at the Company's main branch in
the C Ring, and it works two shifts.

Furthermore, there is a branch in Qatar Exchange building on the first floor
that works in the morning shift only.

There is also a special department for women at the Company's branch in Salwa
Road, next to the Qatar Islamic Bank near Ain Khalid Roundabout, and it works
two shifts as well.

The client can get and withdraw the balance at the moment of executing the
order directly without any additional fees.

The amount that one wants to withdraw differs based on the branch from which he
withdraws as follows: -

� Main Branch: Withdrawal can be as a minimum of one riyal and a maximum
of (1,500.000 QR)
� Call Center: Withdrawal must be more than (1,500.001 QR) and a cheque
is received from the company's main branch by the Auditing Unit Supervisor.
� Other branches: Withdrawal can be as a minimum of one riyal and a
maximum of (500,000 QR).
For further clarification and details, please call (+974 44487888).

Currently, this service is not available, but there are several ways to
withdraw the cheque:

1 - Withdraw the cheque from any branch of The Group, and then cash the cheque
from Doha Bank, The Group main branch (opposite to Toyota Tower).

2 - Transfer the balance to the clients' accounts in Qatar National Bank by
calling the The Group Tadwul (trading). Note that this service is for Qatar
National Bank clients only.

3 - For subscribers in Sahl service for cash transfers, transfer the balance to
the bank accounts in both Qatar Islamic Bank and Commercial Bank.

A client from outside the State of Qatar and desires to open an account with The Group should contact Clients Services Section in The Group on telephone number: + 964 44465419 to request opening an account.

Manager of the Clients Services Department shall send to him a form of a contract for remote management account which should be filled and signed by the client and his signature should be certified by the competent official authorities or one of the accredited banks. In addition to that the client should send a power of attorney to The Group for opening an account in Qatar Exchange (QE) attaching to it the following documents and identification papers:

The required documents from individual clients from outside the State of Qatar are:

-Power of attorney to The Group for producing a statement of account from QE in case that a certificate or notice of share allocation were not available.

-A copy of valid passport.

- The Group contract filled and attested by an official authority.

( All documents should be sent by express mail (DHL).

In its turn, The Group opens an account for the client from outside the State of Qatar providing him the new shareholder number by an SMS on his identified mobile for enabling him to sell, noting that there are Gulf brokers in Oman and UAE to sell the shares of Masraf Al Rayan.

The client can transfer from his account at The Group to his bank account at
any time, where the client shall do the following: -
- Download and print the Transfer Request form , Click here to download
- Fill the form and sign it .
- Send by fax to +974 44658402 or scan and send by email to support@thegroup.com.qa .
For follow up , Kindly contact us at +974 44487888 or via Email support@thegroup.com.qa .
The Bank takes about 3 working days to complete the transfer .
* Note: The Group can transfer money to the clients' bank accounts in all countries of the world except (Syria - Palestine) because of the bank rejection.

You can sell shares by contacting The Group Tadawul on number (+974 44487666).
Note: There are some shareholders to whom new NIN was issued from Qatar
Exchange through subscription in Masraf Al Rayan. In this case, you must link
the new NIN with the old one which is identified in the client's account at The
Group to be able to sell in coordination with The Group's Customer Service
Department of clients outside Qatar.

By contacting The Group Tadawul on No. (+974 44487666), where the specialized
employee will directly send the password to your registered mobile that is
approved at The Group.

1- The client must call from a mobile identified on his account at The Group by
contacting The Group's Customer Support on phone number (+974 44487888) and
informing the required amendment.


2 - If the client cannot call from a mobile identified on his account, he
should kindly contact the Customer Service from outside on number (+974
44658419) to be able to send the amendment contract by fax. The contract is to
be filled by you with the data you want and then be ratified by the Office of
Authentication (signature validity) and re-sent again for approval via express
mail to the company's headquarters attention Customer Service Supervisor from
outside Qatar.

The client can deposit in his account at The Group from outside the State of
Qatar by transferring from his bank account or one of the money exchange
offices that is authorized in his country to The Group account at the main
branch of Doha Bank at number (222-069849-01-10-0). If needed, the SWIFT
CODE of The Group account at the bank is (DOHBQAQA). The client then will send
by fax a copy of the transfer on which he writes his name and NIN to (+974
44658402). For follow-up and inquiry, you can call (+974 44487888).

The customer can trade from anywhere using The Group mobile application this way :
Iphone users can get the application from the app-store
Android users can get the application from Google-Play
Blackberry users can get the application from Blackberry world
Windows phone users can get the application from whindows phone store

Yes we have accredited agents through whom you can sell the shares of Masraf Al
Rayan and the shares of Qatar and Oman. Bank drafts of the selling amount will
be sent upon request. These agents are:
- Sultanate of Oman:
Al Amin Securities Company, Tel: +968-24815519
Financial Services Company, Tel: +968-24817305
- The United Arab Emirates:
Premium Financial Services company - Dubai, Sheikh Zayed Road Tel: +97143436888
Fujairah Shares & Bonds Company - Fujairah Tel: +97192233448

For transferring shares to the personal account, the Qatar Exchange does not
allow to transfer shares except for people of first-class relation. For more
inquiries, please contact the Customer Service Department for clients outside
Qatar on number (+974 44658419)

The client from outside the State of Qatar who wants to open an account at The
Group must call The Group's Customer Service Department on (+974 44658419)
requesting to open an account. Hence, the Customer Service Supervisor of
clients outside Qatar will send a distant account application contract to the
client and ask him to fill it and ratify the signature from the official
authorities or an authorized bank, in addition to an authorization letter for
The Group to open an account in the stock exchange; he shall provide the
following documents and paperwork: -
- For the natural person from outside the State of Qatar: -
Authorization letter for The Group to issue NIN from Qatar Exchange (QE) - a
copy of valid passport - filling The Group contract and authenticating it from
any official authority, and filling the QE contract. All papers are to be sent
by express mail (DHL).
- For the legal person from outside the State of Qatar: -
Commercial Register (CR) - a notarized copy of the authorized signatories - a
copy of the statute and the Articles of Association - models of the signatures
of authorized signatories (all the documents are to be approved from any
reliable authority and must be valid by the Anti-Money Laundering/Combating the
Financing of Terrorism Act) - the senior management resolution to open the
account and the persons authorized to trade on the account - authorization
letter for The Group to open NIN in QE - filling The Group contract of clients
outside Qatar and QE contract and ratifying them.
* The QE contract is available in the QE website www.qe.com.qa
* Note that the fee required to open an investor's number at QE is QR100 and
is registered in the client's account and deducted from the client's first
deposit. All the required documents are to be sent to the Customer Service
Department from outside Qatar via express mail (DHL).
The Group in turn opens an account for the client who is outside the State of
Qatar and sends an SMS containing his new NIN to his registered and approved
mobile.

You can deposit at The Group online through Qatar National Bank, and this is
limited to the clients who have bank accounts at Qatar National Bank; otherwise
it is not possible to deposit.

The client cannot withdraw the amount deposited in the same day but after 24
hours of deposit, in order to avoid occurrence of mistakes and problems.

In case of missing or tearing the deposit receipt by mistake, the client must
come in person to the Customer Care Department of The Group headquarters and
tell them that in order to complete the procedures relating to this matter with
the concerned department.

In the event of an error occurrence in a specific deposit through Doha Bank or
Qatar National Bank, the client must go in person to the branch through which
he deposited, request correction of the error and reversing the transaction,
and then go again to the department of deposits at any branch of The Group and
deposit there.

- Depositing under a personal cheque or certified bank cheque, by going to one
of The Group branches and handing the cheques over to the Department of
Deposit.

- Depositing in cash at Doha Bank, making sure of the NIN at the time of
deposit, and it is necessary to hand the original receipt over to the
Department of Deposit at one of The Group branches.

- Depositing in cash at Qatar National Bank, making sure of the NIN at the time
of deposit, and in this case the amount is deposited in the client's account
immediately without handing over the deposit receipt.


- Depositing through Sahl service .................. Please see Sahl service

There is no specific limit for deposit, whether the deposit is in cash or by
personal cheque or bank cheque. The client can deposit the amount he wants with
exception of depositing under personal cheques: in this case each client has a
deposit limit under which he can trade from the moment of depositing the cheque
or wait until the cheque is collected.

According to Article(72) of the market regulations that provides:
(When the mediator makes the buy transactions, he must receive from the client
(the buyer) the value of the stocks to be purchased before making the
transaction)
The Group receives the payment before buying, and these payments are deposited
in national banks only, which are under the supervision of Qatar Central Bank.
The Group Securities as well works under the supervision of Qatar Financial
Markets Authority and Qatar Exchange.
Note that The Group Securities has raised its capital after the approval of
Qatar Financial Markets Authority, Qatar Exchange and Ministry of the
Business&Trade to five hundred million Qatari Riyals.

Morning Shift:
From 8:00 am until 1:00 pm

Evening Shift:
From 4:00 pm until 8:00 pm

The Group Securities allows its honorable clients to choose the appropriate
stocks for trading and they are completely free to establish a portfolio by
choosing the stocks acceptable in Islam.
Also, the client is completely free to receive his cash balance by a cheque
issued from Doha Islamic Bank, or by direct transfer of The Group Sahl between
The Group account in Qatar Islamic Bank and the client's account in the same
bank.

The Group Securities
Telephone: +974 44444444
P.O. Box: 1555
Doha - Qatar

Transactions are received from 8:00 am to 1:00 pm

The Group exerts maximum effort to satisfy its clients by opening branches that
cover all areas of the state. The company has several branches as follows:
1 - Main Branch near C-Ring opposite to Toyota Tower.
2 - Qatar Stock Exchange Branch in Grand Hamad Street, first floor; we have two
branches.
3 - Salwa Road Branch near Ain Khalid Roundabout next to QIB.
4 - Ruwais Branch in Ruwais Commercial Complex, ground floor (Ruwais).

1 - The Group Main Office:
Information - Reception 44444444
Customer Relations Section Supervisor Tel. 44658406 - Fax 44658414
Customer Service Supervisor from outside Qatar Tel. 44658419 - Fax 44658402
Audit Unit Supervisor Tel. 44658454 - Fax 44658402
Audit Unit Assistant Supervisor Tel. 44658407
Customer Care Department Tel. 44658419 - Fax 44658402
Technical Support Department Tel. 44658452
Account Opening and Customer Identification Department Tel. 44658409
Deposit Department Tel. 44658467
Cheques Department Tel. 44658471
2 - The Group Qatar Exchange Branch 1:
Customer Service Department Tel. 44419084 - Fax 44419081
3 - The Group Qatar Exchange Branch 2:
Customer Service Tel. 44342938 - Fax 44342940
4 - The Group Salwa Branch:
The Group Trading Department Tel. 44487666
Customer Support Department Tel. 44487888
Customer Care Department Tel. 44487301 - Fax 44487300
Customer Service Department Tel. 44487304 to 44487307
5 - The Group Ruwais Branch:
Customer Service Department Tel. 44730865 - Fax 44730912

Bank fees are deducted one time in The Group system and the bank does not
deduct any additional fees for the withdrawal transaction.

It is not possible to transfer from one person's account to another's within
The Group whatever the degree of kinship, based on the instructions of Qatar
Financial Markets Authority and Qatar Exchange.

The client who has an account at Qatar National Bank can transfer to it
directly by contacting The Group Tadawul on +974 44487666, and requesting to
transfer.

Transferring is for the first beneficiary only and it is not possible to
transfer from any account to another account.

There must be 24 hours to be able to make another transfer.

In this case, it is required to enable the (cookies) files in the user's
computer by following these steps:

tools - internet options

genral

privacy

Set the cursor on the (medium) position

OK

Thus, the (cookies) files have been enabled, and consequently the user can save
any order he sees appropriate to the companies.

The chart is displayed for companies: by clicking on a company, the company's
chart of executed transactions is displayed

The minimum and maximum limit of every company is displayed by setting the
mouse cursor over the company you want to display this information about it.

It is possible to re-order the companies as they were at first by deleting the
(cookies) files from the computer by following these steps:

tools - internet options

delete cookies

OK

Then re-order the companies as they were at first

The user can put the companies in the order he sees appropriate by Drag and
Drop any company from one place to another using the mouse cursor.

Any change in the companies' data is highlighted: only the data that is changed
is highlighted, not all the company's data.

Yes, the companies' order will be saved at the same moment, even after you
close the browser and re-use it again; the same order previously saved will be
displayed on the screen

The last transaction location was changed to be between the supply and demand
price: the last transaction takes the same trend as the supply price if it is
executed with the same supply price and vice versa; it takes the same trend as
the demand price if it is executed with the same demand price.

It is a service that can be activated on the client's account so no one can
know of the account, request cheques or have access to any information except
in the presence of the principal client.

The service can be activated by contacting the company's Customer Support
Department on number (44487888); it is a must to contact from the mobile number
identified on the account.

Returned commission is calculated according to the brackets system in force
(from the first working day until the last working day of the month), so that
it commensurates with the client's trading volume, provided that the trading
volume exceeds the amount of (QR1,000,001) to be entitled to the returned
commission.
Note that the brackets system is:

From 1,000,001 and up to 2,000,000 bracket 5%
From 2,000,001 and up to 3,000,000 bracket 10%
From 3,000,001 and up to 4,000,000 bracket 15%
From 4,000,001 and up to 5,000,000 bracket 20%
From 5,000,001 and up to 6,000,000 bracket 25%
From 6,000,001 and up to 7,000,000 bracket 30%
From 7,000,001 and up to 8,000,000 bracket 35%
From 8,000,001 and up to 9,000,000 bracket 40%
From 9,000,001 and up to 10,000,000 bracket 45%
From 10,000,001 and above bracket 50%

The client is entitled to the returned commission by the end of each calendar
month provided that the monthly volume of transactions is not less than
(1,000,001 QR), according to the brackets system in force.

To know that:
1 - Calculate the total speculation rewards from the beginning and until the
end of the calendar month.
2 - Print a client's statement of account from the beginning of the month and
until the end and calculate the total credit and debit in it.
3 - Subtract all the deposits, withdrawals, daily speculation rewards and
commissions resulting from the sell and buy transactions of shares.
4 - The total is multiplied by 0.00275, and then multiply by 0.80.
5 - The resulting number is multiplied by the bracket percentage of the client.
6 - The given total is compared with the speculation rewards total.
7 - The biggest amount, which is for the interest of the client, is adopted.
For example: if the total amount according to the brackets is the biggest, the
difference between it and the speculation rewards is adopted and transferred
into the client's account.

The client can transfer from his account at The Group to his bank account or
vice versa more than once and up to 15 transactions a day provided that the
maximum limit of the transferred amount is (1,500,000 QR) one and a half
million Qatari riyals.

.This is not possible because the client who owns the account must in person
sign the authorization

It is possible to withdraw the amounts deposited in the same day of deposit
through Sahl service, either by transferring using the same service (Sahl) or
withdrawing a cheque of the required amount.

The maximum limit of withdrawal or deposit amounts is (1.500,000 QR) million
and a half million Qatari Riyals a day.

The client must go to one of The Group's branches and sign on an authorization
to The Group to withdraw and deposit from his account in the bank.

Note that the Commercial Bank's clients have one of two options: either to go
to The Group to sign the authorization or to go to the Commercial Bank and sign
the authorization there

Registration in Sahl service takes 24 hours from the client's signing on the
authorization request: the authorization is sent to the bank to be registered
in the client's account for approval and then the client is registered in the
service.

A deposit from the client's bank account to his account at The Group or
transfer from his account at The Group to his bank account takes no more than 3
minutes.

An SMS will be sent to the client's mobile number that is identified on his
account at The Group as a basic number or check with the Call Center on (44487
666)

This is possible so as to facilitate it for The Group's clients, noting that
the final approval of the authorization is done by the bank after identifying
its signature with the signature of the bank account owner.

Withdrawal and transfer transactions through Sahl service are for the first
beneficiary only, the owner of the bank account. Hence, minor sons cannot make
withdrawals or transfers from or to the father's account since the father is
the first beneficiary.

The following SMS are sent:

1 - When adding a new bank account number to the client: (NIN ****** Account
No. ***** Added at the bank)
2- In case of activating the service: (NIN ****** Account No. ******* Approved
at **** Bank)
3- In case of rejection of service: (NIN ***** Account No. ***** Rejected from
your Bank Account)
4- In case of requesting to transfer from or to the client's account, when the
transfer operation is completed or rejected: (NIN ***** Transfer No. *******
Approved/Rejected from/to your bank account, the amount is 1000)

The company deals through Sahl service with (Qatar Islamic Bank - Commercial
Bank), and the client can authorize the company to deal with more than one of
the activated banks in the service.

(10 QR) fee will be paid to the bank in case of withdrawal from or transferring
to the client's bank account, and will be deducted from the client's account at
The Group in both cases.

Sahl is a service that was activated by the company to facilitate withdrawal
and deposit transactions for its clients. The client can benefit from this
service by visiting the nearest company's branch to register in the service. It
is done based on an authorization from the client to the company -supported
with his bank signature- so that the company executes the withdrawal and
transfer transactions from and to the client's bank account that was registered
in the authorization. Hence, the client can withdraw and transfer from and to
his bank account by just a telephone call to the Call Center.

Contact the Customer Support Department on 44487888 and explain the problem to
be able to solve it with the relevant departments.

The client is contacted and notified by the reason for rejecting the
application and the procedure to be followed to re-activate the service.

The established practice is that the transfer transaction is executed directly
within (2-3) minutes between The Group and the bank's systems without human
intervention, but it is not possible to bind to specific rapidity.

The client can transfer the shares owned under the name of his family to his
own account provided that the kinship is of the first degree (father - mother -
brothers - sisters - the children - wife). This is done by the Department of
Legal Affairs at Qatar Exchange providing proof of identity and kinship as such
things are not done through The Group or other brokerage firms.

- If the shares were sold before.

- When the shares are retained at another brokerage firm

- The shares are mortgaged to any financial authority the client deals with

- If the client requested to sell a number of shares that is more than the
number of shares he owns and available in the central registry at Qatar
Exchange

- When the client has another NIN issued to him from Qatar Exchange and has not
been merged into his account at The Group

- Availability of sell order in the same trading session on the same company
and another sell order was entered so that the total number of shares in the
two orders was more than the number of shares available to the client

The portfolio of which the client knows through his account at The Group
pertains to the client's data at The Group only, and hence it shows the shares
that were bought through The Group or that were transferred from the central
registry to the client's portfolio at The Group upon his request.

The Group is proud of having the largest clients' base in Qatar, and welcomes
any new client interesting in joining it. In such cases, the client requests
from his current brokerage firm to transfer his shares to the central registry
management at Qatar Exchange and then open an account at The Group. After the
other brokerage firm completes the transfer, please contact the Customer
Support Department on number 44487888 so that the concerned employee requests
to withdraw the shares and complete the withdrawal operation of shares to the
shareholder's account at The Group.

The client has the right to entrust another person to act on his behalf in
selling and buying stocks and all trading transactions including entering,
cancelling and changing orders, by making an official power of attorney
authenticated from the relevant authorities such as the Ministry of Justice or
the court and states on the above-mentioned.

The client has the right to transfer his shares to any brokerage firm he wants
by calling the Client Support Department from his approved number at The Group
and requesting from the concerned employee to transfer the required shares to
the central registry.

You must refer to Qatar Exchange to find out the causes of mortgaging or
retention for there are several reasons for that, including:
- Retained for the death of the shares owner. (Refer to Qatar Exchange)
- Retained for the death of the guardian. (Refer to Qatar Exchange)
- Retained by the court order. (Refer to Qatar Exchange)
- Retained for the shares owner is placed under guardianship. (Refer to Qatar
Exchange)
- Mortgaged for there is a request from the bank or finance company until
repayment of indebtedness. (Refer to the bank or finance company)

- Reproducing a shareholder's statement from QE bearing the new NIN which is
not identified at The Group.
- Attending to the Customer Care Department at one of The Group branches to
deliver and merge the two statements or send them by fax to 444658402 or
44487300 and include the phrase "merging of numbers".

The client is entitled to cancel the power of attorney at any time he wants by
presenting a letter to The Group requesting cancellation of the power of
attorney of account management granted to the entrusted person, and bringing a
copy of the ID card.

The client can replace the agent with another agent by presenting a letter to
The Group requesting cancellation of dealing under the previous power of
attorney, and bringing the new power of attorney.

The Group does not deal with buying and selling in the international markets;
The Group's services are limited to trading in the shares listed in Qatar
Exchange.

The speculation reward is a reward deserved by the client who (buy and sell) or
(sell and buy) the same share in the same trading session. In this case the
client is rewarded with one of the two commissions which the company gets when
executing the sell and buy order, and the lesser commission is considered a
speculation reward for the client.

1 - Type your account number in English figures only, without any brackets,
dots or spaces


2 - Send the SMS to this number 92609.


(This number is valid only for our clients within the State of Qatar)


3 - Contact the Customer Support Department on number (44487888) to get the
password immediately.

Those who want to trade through the internet can get the password by following
these steps: -

- Type the NIN in English without dots, brackets or spaces.

- Send an SMS containing the NIN to (92609).

- Receive an SMS (in case of signing on a previous contract to trade online)
containing the account number and password.

- Save the password and then use it to log in the commands page.

You can change it by login the orders page, entering the NIN and the current
password and then clicking on the box of changing the password.

Clients can enjoy trading electronically via the internet using The Group Net
service by going in person to one of The Group's branches to know the way of
use, or contacting (+974 44487888) and asking for help in this regard and
getting the password of electronic trading.

Like other brokerage firms, The Group's commission percentage is (0.275%) of
the total transaction executed at a minimum of 30 QR per transaction. Note
that this percentage is determined by Qatar Exchange and Qatar Financial
Markets Authority.

Please contact the customer support Call Center and we will review the matter
with the relevant department and re-contact you. In case of actual fault or
slowness in the system followed by The Group, The Group will compensate you for
the difference.

1 - Existence of a court order to sell the shares and transfer the amount to
the court account
(To review and know the reasons, the client should kindly refer to
Qatar Exchange)

2 - The client forgot that he had entered an order before the trading session
(Make sure of the order and how it was entered)

3 - Entering the sell or buy order by mistake through The Group Tadawul
(The employee inquires and reports the client for compensation)

The client has the right to make sure of the sell transaction by requesting to
listen to the recorded call to know the person who executed the sell
transaction and the registered and approved mobile number by which the sell was
executed. In this case the client must go in person to the Customer Care
Department in the main branch of The Group or the Customer Care Department in
the new branch (Salwa) and tell his complaint in this regard in the event of
objection to the sell or buy transaction, then the Customer Care Supervisor
will follow up the matter with the relevant authorities and reach an
appropriate solution as soon as possible.