Common use of FEE AND CHARGES Clause in Contracts

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via 000 000 0000 or +000 00 000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. 1. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s Your formal and absolute approval to Our our Initial Disclosure Statement and this Cardmember Agreement. For If You have any questions, please call Our customer service via 000 toll-free 800 124 2229 or (+000 00) 000 0000 or +000 00 / 000 0000 b. The Your Account will be billed either in Saudi Riyals or US Dollars as indicated on the Your monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the Your first Statement of Account c. The In the case of Charge Cards, the entire Current Balance on the Your monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Charge Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Your Account along with the amount the Cardmember has You have withdrawn. This fee will be debited to the Your Account at the time of posting the Your Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Your Current BalanceBalance or Your Minimum Payment Due, and the Payment Due Date will be indicated on Your Statement. Payment not being made by the Statement.Payment Due Date will result in You being charged Late Payment Fee and collection fees and the whole outstanding balance on Your Card Account becoming immediately due and payable. Your non- receipt of the Statement shall not be considered to be a sufficient reason for non-payment of dues on time f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of Your Account will be converted into Saudi Riyals (the Account’s 's billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s Your formal and absolute approval to Our our Initial Disclosure Statement and this Cardmember Agreement. For If You have any questions, please call Our customer service via 000 000 0000 toll-free 800 122 5225 or (+000 00 00) 000 0000 b. The Your Account will be billed either in Saudi Riyals or US Dollars as indicated on the Your monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the Your first Statement of Account c. The entire Current Balance on the Your monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Your Account along with the amount the Cardmember has You have withdrawn. This fee will be debited to the Your Account at the time of posting the Your Cash Withdrawal Transaction e. A minimum grace period of up to 25 days from Statement Date will be granted to settle the amount of Your Current Balance, and the Payment Due Date will be indicated on the Your Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of Your Account will be converted into Saudi Riyals (the Account’s 's billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via via: 000 000 0000 or +000 00 000 +000- 00-000-0000. b. The Account will be billed either in Saudi Arabian Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account. c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three (3) months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances. d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction. e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of the Account will be converted into Saudi Riyals (the Account’s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Transaction Value EUR 100 EUR 100 understand have emanated from the Cardmember or the Company by the use of the PIN and other passwords, and are not expected to verify the identity of the persons giving these instructions purportedly in the Cardmember name. The Cardmember is expected to safeguard the PIN and other passwords at all times and shall be liable for all Transactions / instructions processed by the use or Assumed EUR/US$ Exchange Rate EUR 1 = US$ 1.05 EUR 1 = US$ 1.05 purported use of the PIN/password. US$ Equivalent US$ 105 US$ 105 e. We and Our affiliated companies are required to act in accordance with the laws, regulations and requests of public and regulatory authorities operating in various jurisdictions which relate to, amongst other things, the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities which may be subject to sanctions. We may take, and may instruct, or be instructed by an affiliate to take, any action which it or such other member, in its sole and absolute discretion, considers appropriate to take in Foreign Exchange Conversion fee @ 2.75% US$ 2.89 US$ 2.89 accordance with all such laws, regulations and requests. Such action may include but is not limited to the interception and investigation of any payment messages and other information or communications sent to or by the Account holder’s behalf via Our systems or Our affiliated companies; and making further enquiries as to whether a name which might refer to a sanctioned person or entity actually refers to that person or entity. Neither We nor any affiliate will be liable for loss (whether Total Transaction Value in US$ US$ 107.89 US$ 107.89 Rate Assumed US$/SAR Exchange US$ 1 = SAR 3.75 US$ 1 = SAR 3.75 direct or consequential and including, without limitation, loss of profit) or damage suffered by any party arising out of any delay or failure by Us or Our affiliate in processing any such payment messages or other information or communications, or in performing any of its duties or other obligations in connection with any Accounts or the provision of any services to the Account holder, caused in whole or in part by any steps which We or such affiliate, in Our sole and absolute discretion, Total Transaction Value in SAR SAR 404.59 SAR 404.59 consider appropriate to take in accordance with all such laws, regulations and request. In certain circumstances, the action, which We may take, may prevent or cause a delay in the processing of certain information. Therefore, neither We nor any affiliate warrants that any information on Our systems relating to any payment messages or other information and communications which are the subject of any action taken pursuant to this clause is accurate, current or up-to-date at the time Cash Withdrawal Fee (Billed Separately on the Settlement) Not Applicable US$ 20.00 or SAR 75.00 Annex “A” Applicable Fees and Charges

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via via: 000 000 0000 or +000 00 000 +000- 00-000-0000. b. The Account will be billed either in Saudi Arabian Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account. c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances. d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction. e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of the Account will be converted into Saudi Riyals (the Account’s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Transaction Value EUR 100 EUR 100 Murabaha Margin A profit margin charged when settling the unpaid portion of the Current Balance of Your Corporate Account through the sales proceeds of a Tawarruq Transaction.

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to of Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via 000 000 0000 or +000 00 000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances. d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Description Purchase Transaction* Cash Transaction* Transaction Value EUR100 EUR100 Assumed EUR / US$ Exchange Rate EUR1 = US$1.05 EUR 1 = US$1.05 US$ Equivalent US$105 US$105 5 Foreign Exchange Conversion Fee @ 2.75% US$2.89 US$2.89 Total Transaction Value in US$ US$ 107.89 US$ 107.89 Assumed US$ / SAR Exchange Rate US$ 1 = SAR 3.75 US$ 1 = SAR 3.75 Total Transaction Value in SAR SAR 404.59 SAR 404.59 Cash Withdrawal Fee (Billed Separately on the Statement) Not Applicable US$ 20.00 OR SAR 75.00 Total Transaction Value including Cash Withdrawal Fee Not Applicable US$ 127.89 OR SAR 479.59 * The illustration above excludes VAT Cash Withdrawals Maximum Limit (if cash with- drawal option is selected by the Company) SAR 3,000 (or its equiva- lent)

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to of Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via 000 000 0000 or +000 00 000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Description Purchase Transaction* Cash Transaction* Transaction Value EUR100 EUR100 Assumed EUR / US$ Exchange Rate EUR1 = US$1.05 EUR 1 = US$1.05 US$ Equivalent US$105 US$105 * The illustration above excludes VAT

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via 000 000 0000 Via: 9200 26 391 or +000 00 000 0000966 11 292 6661 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of the Account will be converted into Saudi Riyals (the Account’s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:the

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. 1. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s Your formal and absolute approval to Our our Initial Disclosure Statement and this Cardmember Agreement. For If You have any questions, please call Our customer service via 000 000 0000 9200 226 39 or (+000 00 00) 000 0000 b. The Your Account will be billed either in Saudi Riyals or US Dollars as indicated on the Your monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the Your first Statement of Account c. The In the case of Charge Cards, the entire Current Balance on the Your monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Charge Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Your Account along with the amount the Cardmember has You have withdrawn. This fee will be debited to the Your Account at the time of posting the Your Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Your Current BalanceBalance or Your Minimum Payment Due, and the Payment Due Date will be indicated on Your Statement. Payment not being made by the Statement.Payment Due Date will result in You being charged Late Payment Fee and collection fees and the whole outstanding balance on Your Card Account becoming immediately due and payable. Your non-receipt of the Statement shall not be considered to be a sufficient reason for non-payment of dues on time f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of Your Account will be converted into Saudi Riyals (the Account’s Account›s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 66.1. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s Your formal and absolute approval to Our our Initial Disclosure Statement and this Cardmember Agreement. For If You have any questions, please call Our customer service via 000 000 0000 9200 226 39 or (+000 00 00) 000 0000 b. The Your Account will be billed either in Saudi Riyals or US Dollars as indicated on the Your monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the Your first Statement of Account c. The In the case of Charge Cards, the entire Current Balance on the Your monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Charge Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Your Account along with the amount the Cardmember has You have withdrawn. This fee will be debited to the Your Account at the time of posting the Your Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Your Current BalanceBalance or Your Minimum Payment Due, and the Payment Due Date will be indicated on Your Statement. Payment not being made by the Statement.Payment Due Date will result in You being charged Late Payment Fee and collection fees and the whole outstanding balance on Your Card Account becoming immediately due and payable. Your non-receipt of the Statement shall not be considered to be a sufficient reason for non- payment of dues on time f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of Your Account will be converted into Saudi Riyals (the Account’s Account›s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. 1. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s Your formal and absolute approval to Our our Initial Disclosure Statement and this Cardmember Agreement. For If You have any questions, please call Our customer service via 000 toll-free 800 124 2229 or (+000 00) 000 0000 or +000 00 / 000 0000 b. The Your Account will be billed either in Saudi Riyals or US Dollars as indicated on the Your monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the Your first Statement of Account c. The In the case of Charge Cards, the entire Current Balance on the Your monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Charge Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Your Account along with the amount the Cardmember has You have withdrawn. This fee will be debited to the Your Account at the time of posting the Your Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Your Current BalanceBalance or Your Minimum Payment Due, and the Payment Due Date will be indicated on Your Statement. Payment not being made by the Statement.Payment Due Date will result in You being charged Late Payment Fee and collection fees and the whole outstanding balance on Your Card Account becoming immediately due and payable. Your non-receipt of the Statement shall not be considered to be a sufficient reason for non- payment of dues on time f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of Your Account will be converted into Saudi Riyals (the Account’s Account›s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s Your formal and absolute approval to Our our Initial Disclosure Statement and this Cardmember Agreement. For If You have any questions, please call Our customer service via 000 000 0000 phone number 000000000 or (+000 00 000 000000) 0000000 b. The Your Account will be billed either in Saudi Riyals or US Dollars as indicated on the Your monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the Your first Statement of Account c. The entire Current Balance on the Your monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Your Account along with the amount the Cardmember has You have withdrawn. This fee will be debited to the Your Account at the time of posting the Your Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Your Current Balance, and the Payment Due Date will be indicated on the Your Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of Your Account will be converted into Saudi Riyals (the Account’s Account›s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Description Purchase Transaction Cash Transaction

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via 000 000 0000 9200 26391 or +000 00 000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Description Purchase Transaction Cash Transaction Transaction Value EUR100 EUR100 Assumed EUR / US$ Exchange Rate EUR1 = US$1.05 EUR 1 = US$1.05 US$ Equivalent US$105 US$105 Foreign Exchange Con- version Fee @ 2.75% US$2.89 US$2.89 Total Transaction Value in US$ US$107.89 US$107.89 Cash Withdrawal Fee (Billed Separately on the Statement) Not Applicable SAR 75.00 Total Transaction Value in SAR including Cash Withdrawal Fee Not Applicable SAR 479.59

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via at 000 000 0000 or (+000 00 00) 000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given provided below:. Description Purchase Transaction* Cash Transaction* Transaction Value EUR 100 EUR 100 EUR / US$ Exchange Rate EUR 1 = US$ 1.05 EUR 1 = US$ 1.05 US$ Equivalent US$ 105 US$ 105 Foreign Exchange Conversion Fee @ 2.75% US$ 2.89 US$ 2.89 Total Transaction Value in US$ US$ 107.89 US$ 107.89 US$ / SAR Exchange Rate US$ 1 = SAR 3.75 US$ 1 = SAR 3.75 Total Transaction Value in SAR SAR 404.59 SAR 404.59 Cash Advance Fee (Billed Separately on the Statement) Not Applicable SAR 75.00 Total Transaction Value including Cash Advance Fee Not Applicable SAR 479.59 The following Corporate Card Fee Schedule forms part of and is an integral part of the Cardmember Agreement and Initial Disclosure Statement (IDS). SAR 300

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via at 000 000 0000 or (+000 00 00) 000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given provided below:. Description Purchase Transaction* Cash Transaction* Transaction Value EUR 100 EUR 100 EUR / US$ Exchange Rate EUR 1 = US$ 1.05 EUR 1 = US$ 1.05 US$ Equivalent US$ 105 US$ 105 Foreign Exchange Conversion Fee @ 2.75% US$ 2.89 US$ 2.89 Total Transaction Value in US$ US$ 107.89 US$ 107.89 US$ / SAR Exchange Rate US$ 1 = SAR 3.75 US$ 1 = SAR 3.75 Total Transaction Value in SAR SAR 404.59 SAR 404.59 Cash Advance Fee (Billed Separately on the Statement) Not Applicable SAR 75.00 Total Transaction Value including Cash Advance Fee Not Applicable SAR 479.59 The following Corporate Card Fee Schedule forms part of and is an integral part of the Cardmember Agreement and Initial Disclosure Statement (IDS). Types of Fees Fee Applied Applicable Fees: Fixed Fee charged at the time of Card issuance and thereafter at every anniversary SAR 300 Cash Withdrawal Fee* (fixed fee charges per cash withdrawal transaction) SAR 75 Foreign Exchange Conversion Fee* (Fixed percentage rate fee charged on the value of a Transaction made in non-billing currency) 2.75% Refund of Credit Balance Fee* (fixed fee charged per transaction) SAR 100 (per request) Statement Request Fee* (fixed fee charged per transaction except for Statement request in case of the Cardmember or Company’s default, which shall be free of charge even if more than 3 months) SAR 40 (per statement) Dispute Handling Fee* for invalid disputes (fixed fee charged per transaction) SAR 50 (per dispute) Card Replacement Fee* (for incorrect embossing name provided by the Cardmember) SAR 100 *The Card is based on an interest free, fixed monthly fee structure (“Administrative Fee”). Although the Applicant will not be charged interest, the Applicant will be required to pay the Administrative Fee as mentioned in the table above (where applicable). The Administrative Fee may be waived in part or in full, at the sole discretion of American Express Saudi Arabia, if a good payment history has been maintained and statement Current Balance has been paid in full and on time.

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via via: 000 000 0000 or +000 00 000 +000- 00-000-0000. b. The Account will be billed either in Saudi Arabian Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account. c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three (3) months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances. d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction. e. A minimum maximum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals which is not the billing currency of the Account will be converted into Saudi Riyals (the Account’s billing currency) currency using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Transaction Value EUR 100 EUR 100 Murabaha Margin A profit margin charged when settling the unpaid portion of the Current Balance of Your Corporate Account through the sales proceeds of a Tawarruq Transaction.

FEE AND CHARGES. a. Any fees and charges referred to herein shall be at the rates set out in Annex “A”, as amended from time to time pursuant to clause 6. Please read the following important information carefully prior to using the Card(s). The use of the Card(s) shall be deemed as the Cardmember and the Company’s formal and absolute approval to Our Initial Disclosure Statement and this Cardmember Agreement. For any questions, please call Our customer service via toll-free 000 000 0000 or (+000 00 00) 000 0000 0000/000 0000 b. The Account will be billed either in Saudi Riyals or US Dollars as indicated on the monthly Statement. The Annual Fees as mentioned in Annex “A” will be included on the first Statement of Account c. The entire Current Balance on the monthly Statement is due for payment on or before the Payment Due Date shown on the Statement. Card Accounts with payments overdue for three months or more will be levied a Collection Fee at the rate mentioned in Annex “A” for each month of delay until payment is made in full to clear all overdue balances d. All Cash Withdrawal Transactions attract a Cash Withdrawal Fee at the rate mentioned in Annex “A”. This fee will be billed to the Account along with the amount the Cardmember has withdrawn. This fee will be debited to the Account at the time of posting the Cash Withdrawal Transaction e. A minimum grace period of 25 days will be granted to settle the Current Balance, and the Payment Due Date will be indicated on the Statement. f. All Transactions (including Cash Withdrawals) that are performed in a currency other than Saudi Riyals will be converted into Saudi Riyals (the Account’s billing currency) using prevailing interbank rates selected from usual industry sources on the business day prior to the date of processing the Transaction. A Foreign Exchange conversion fee at the rate mentioned in Annex “A” on the converted amount will be added by Us. An illustrative example is given below:: Description Purchase Transaction Cash Transaction Transaction Value EUR100 EUR100 EUR / US$ Exchange Rate EUR1 = US$1.05 EUR 1 = US$1.05 US$ Equivalent US$105 US$105 Foreign Exchange Con- version Fee @ 2.75% US$2.89 US$2.89 Total Transaction Value in US$ US$107.89 US$107.89 US$ / SAR Exchange Rate US$1 = SAR 3.75 US$1 = SAR 3.75 Total Transaction Value in SAR SAR 404.59 SAR 404.59 Cash Withdrawal Fee (Billed Separately on the Statement) Not Applicable SAR 75.00 Total Transaction Value in SAR including Cash Withdrawal Fee Not Applicable SAR 479.59