Common use of AEME will Clause in Contracts

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Cardmember or Company the Card Account (including contacting the Cardmember's or Company's bank, financial institution or approved referee) and disclose information about the Cardmember or Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the Card Account, to assist in managing the Cardmember's Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or Company, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Cardmember or Company on the Card Account (including contacting the Cardmember's Cardmember or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember or Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or Company, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East; (h) Undertake all of the above in respect of any Supplementary Cardmember on the Card Account. When the Cardmember has approved the issue of a Supplementary Card, the Cardmember confirms that he or she has obtained the consent of the Supplementary Cardmember to disclose his or her information to American Express group of companies worldwide and process it for the above purposes.

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or and/or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs programmes in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors;; 37498_AMEX_Credit Card_Cardmember Agreement_Eng_01_2021 (d) Carry out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or and/or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East; (h) Undertake all of the above in respect of any Supplementary Cardmember on the Card Account. When the Cardmember has approved the issue of a Supplementary Card, the Cardmember confirms that he or she has obtained the consent of the Supplementary Cardmember to disclose his or her information to American Express group of companies worldwide and process it for the above purposes.

AEME will. (a) a. Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes;; 40445_AMEX_Cardmember Agreement_Company Card_Other Markets_03_2022 (b) b. Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) c. Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry d. Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) e. Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) f. Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) g. Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;; CMAgreement/CH/042019 (h) Undertake all of the above in respect of any Supplementary Cardmember on the Card Account. When the Cardmember has approved the issue of a Supplementary Card, the Cardmember confirms that he or she has obtained the consent of the Supplementary Cardmember to disclose his or her information to American Express group of companies worldwide and process it for the above purposes.

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Cardmember or Company the Card Account (including contacting the Cardmember's ’s or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember or Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or Company, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. 40445_AMEX_UAE Cardmember Agreement Company Card_05_2021 (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it i t and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Cardmember or Company on the Card Account (including contacting the Cardmember's Cardmember or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember or Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or Company, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs programmes in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud;; CMAgreement/CH/012020 (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East; (h) Undertake all of the above in respect of any Supplementary Cardmember on the Card Account. When the Cardmember has approved the issue of a Supplementary Card, the Cardmember confirms that he or she has obtained the consent of the Supplementary Cardmember to disclose his or her information to American Express group of companies worldwide and process it for the above purposes.

AEME will. (a) a. Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes; (b) b. Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations;; 40445_AMEX_Cardmember Agreement_Individual Liability_Other Markets_03_2022 (c) c. Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry d. Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) e. Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) f. Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) g. Undertake all of the above within and outside the Middle East;

AEME will. (a) Disclose information about the Cardmember, his or her Card Account and Charges on his or her Card Account (which may include details of goods and or services purchased) to companies within the American Express group of companies worldwide (including third parties and other organizations which issue the Card or provide relevant services), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it and manage any benefits or insurance programs in which the Cardmember is enrolled. When the Cardmember purchases goods or services on behalf of a third party, the Cardmember confirms that he or she has obtained the consent of the third party to the disclosure of his or her information to American Express group of companies worldwide for these purposes;; 40445_AMEX_UAE Cardmember Agreement Individual Liability_05_2021 (b) Use information about the Cardmember and information about how he or she uses his or her Card Account to develop lists for use within the American Express group of Companies worldwide (including other organizations which issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Cardmember (by mail, email, telephone, or SMS or any other mode of communication) of products and services in which the Cardmember might be interested. The information used to develop these lists may be obtained from the Application, from information on where the Card is used and information about the nature of the Charges made on the Cardmember's ’s Card, from surveys and research (which may involve contacting the Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Cardmember and his or her Card Account with credit rating agencies, Credit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry Xxxxx out credit checks whilst any money is owed by the Cardmember on his or Company the her Card Account (including contacting the Cardmember's or Company's ’s bank, financial institution or approved referee) and disclose information about the Cardmember and his or Company and the her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Cardmember's ’s Card Account; (e) Carry out further credit checks and analyze information about the Cardmember or Company and charges on the his or her Card Account, to assist in managing the Cardmember's ’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the Cardmember or CompanyCardmember, either directly by AEME or by organizations selected by AEME, to maintain evidence of the contents of such telephone calls and to ensure consistent servicing levels (including staff training) and Account operation; (g) Undertake all of the above within and outside the Middle East;