Common use of PRIVACY AND APPLICABLE LAW Clause in Contracts

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, the Committee for Settlement of Banking Disputes of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. You agree, however, that we may carry on collection procedures in any other jurisdiction in which you may be resident or domiciled from time to time. c. As per SAMA guidelines, we provide credit information relating to you to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of the most recent statement and includes information regarding whether the Account is regular or overdue. In the event an Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you should ensure that you make timely payment of the amount due on the Account. d. It being not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you in connection with the use of the Card, it is our policy to place the same on microfilm. Accordingly, you hereby agree that such microfilm and/or copies thereof will be acceptable to you as evidence in any court of law to prove the transactions undertaken by you and that you will not object to the use thereof as evidence. Moreover, you agree that such microfilm or copy thereof may be used in any procedure for verification of your signature.

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable and prevailing exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, and the jurisdiction of the Committee for Settlement of Banking Disputes of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. c. We may pursue collection from You agree, however, that we may carry on collection procedures in any other jurisdiction in which you You may be resident or domiciled from time to time.domiciled c. As per SAMA guidelines, we d. We provide credit information relating to you You to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of the most recent statement Statement and includes information regarding whether the Your Account is regular up to date or overdue. In the event an If Your Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Your Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all All changes in your Your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you You should ensure that you You make timely payment of the amount due payments on the Your Account. d. It being e. We may not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you You in connection with the use of the Card, it . It is our Our policy to place the same on microfilm. Accordingly, you You hereby agree that such microfilm and/or copies thereof will be acceptable to you You as evidence in any court of law to prove the transactions Transactions undertaken by you You and that you You will not object to the use thereof as evidence. Moreover, you You agree that such microfilm or copy thereof may be used in any procedure for verification of your Your signature. f. We will: i. Disclose information about You, Your Account and Transactions on Your Account (which may include details of goods and/or services purchased) to companies within the American Express group of companies worldwide (including other organizations who issue the Card), to any other party whose name or logo appears on the Card issued to You, to any party authorized by You, to Our processors and suppliers and to organizations who accept the Card in payment for goods and/or services purchased by You and obtain such information from those parties, in order to administer and service Your Account, process and collect charges on it and manage any benefits or insurance program in which You are enrolled. Where You purchase goods and/or services on behalf of a third party, You confirm that You have obtained the consent of the third party to the disclosure of his or her information to the American Express group of companies worldwide for these purposes ii. Use information about You and information about how You use Your Account (unless You ask us not to) to develop lists for use within the American Express group of companies worldwide (including other organizations who issue the Card) and other select companies in order that We or these companies may develop or make offers to You (by mail or telephone) of products and services in which You may be interested. The information used to develop these lists may be obtained from the application, from information on where You use and what Transactions are on Your Card, from surveys and research (which may involve contacting You by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations iii. Exchange information about You and Your Account with credit reference agencies which may be shared with other organizations in assessing applications from You and members of Your household for credit or other facilities and for preventing fraud and tracking debtors iv. Carry out credit checks whilst any money is owed by You on Your Account (including contacting Your bank, financial institution or approved referee) and disclose information about You and Your Account to collection agencies and lawyers for the purpose of collecting debts on Your Account x. Xxxxx out further credit checks and analyse information about You and Transactions on Your Account, to assist in managing Your Account, authorizing Transactions on it and to prevent fraud vi. Monitor and/or record Your telephone calls to Us, or Ours to You, either Ourselves or by reputable organizations selected by Us, to ensure consistent servicing levels (including staff training) and Account operation vii. Undertake all of the above within and outside Saudi Arabia viii. Undertake all of the above in respect of any Supplementary Cardmember on Your Account. Where You have approved the issue of a Card to a Supplementary Cardmember, You confirm that You have obtained the consent of the Supplementary Cardmember to disclose his or her information to the American Express group of companies worldwide and process it for the above purposes g. If You believe that any information We hold about You is incorrect or incomplete, You should write without delay to American Express Saudi Arabia, P.O. Box 6624, Riyadh 11452, Saudi Arabia. Any information, which is found to be incorrect or incomplete, will be corrected promptly

PRIVACY AND APPLICABLE LAW. a. To ensure international acceptability, information about your Card account may be transferred confidentially within the worldwide American Express Card Service. b. You and your company agree to comply with all applicable exchange control regulations, regulations which may be issued from time to time. b. The c. Amex (Saudi Arabia) Ltd. reserves the right to disclose your information to any court of competent jurisdiction, quasi judicial authorities, law enforcement agencies and any other wing of government. d. This Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, the Committee for Settlement of Banking Disputes of the Saudi Arabian Monetary Agency (SAMA), Arabia and the court of jurisdiction shall be at our sole option. You and your company agree, however, that we may carry on collection procedures in any other jurisdiction in which you and/or your company may be resident or domiciled from time to time. c. As per SAMA guidelines, we provide credit information relating to you to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of the most recent statement and includes information regarding whether the Account is regular or overdue. In the event an Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you should ensure that you make timely payment of the amount due on the Account. d. e. It being not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you in connection with the use of the Card, it is our policy to place the same on microfilm. Accordingly, you hereby agree that such microfilm and/or copies thereof will be acceptable to by you and your company as evidence in any court of law to prove the transactions undertaken by you and your company and that you will not object to the use thereof as evidence. Moreover, you and your company agree that such microfilm or copy thereof may be used in any procedure for verification of your signature. f. You and your company hereby irrevocably authorize us to provide, upon request from any bank or financial institution from time to time, credit information about you, provided that such information shall be restricted to confirming that you are a Cardmember, the date your Card was issued and whether or not your Card account has been conducted satisfactorily. We may not disclose any other information about your Card account without your express written authority.

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable and prevailing exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, and the jurisdiction of the Committee for the Settlement of Banking Financial Disputes and Violations of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. c. We may pursue collection from You agree, however, that we may carry on collection procedures in any other jurisdiction in which you You may be resident or domiciled from time to time.domiciled c. As per SAMA guidelines, we d. We provide credit information relating to you You to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of the most recent statement Statement and includes information regarding whether the Your Account is regular up to date or overdue. In the event an If Your Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Your Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all All changes in your Your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you You should ensure that you You make timely payment of payments on Your Account. You hereby agree to provide Us with any information that We require including but not limited to Know Your Customer forms, information and supporting documentation for establishing and/or administering Your Accounts and facilities with Us and update Your personal information if there are any changes and as may be requested by Us. You also authorize Us to obtain and collect information as deemed necessary in regard to You, Your accounts and facilities with other lenders through The Saudi Credit Bureau (“SIMAH”) and electronically through AL-ELM Information Security Company (“Elm”) and to disclose Your information to SIMAH, Elm, to Our authorized collection agencies or to any other agency approved by SAMA. All capitalized terms in this document will have the amount due on same meaning as defined in the AccountCardmember Agreement. d. It being e. We may not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you You in connection with the use of the Card, it . It is our Our policy to place the same on microfilm. Accordingly, you You hereby agree that such microfilm and/or copies thereof will be acceptable to you You as evidence in any court of law to prove the transactions Transactions undertaken by you You and that you You will not object to the use thereof as evidence. Moreover, you You agree that such microfilm or copy thereof may be used in any procedure for verification of your Your signature. f. We will: i. Disclose information about You, Your Account and Transactions on Your Account (which may include details of goods and/or services purchased) to companies within the American Express group of companies worldwide (including other organizations who issue the Card), to any other party whose name or logo appears on the Card issued to You, to any party authorized by You, to Our processors and suppliers and to organizations who accept the Card in payment for goods and/or services purchased by You and obtain such information from those parties, in order to administer and service Your Account, process and collect charges on it and manage any benefits or insurance program in which You are enrolled. Where You purchase goods and/or services on behalf of a third party, You confirm that You have obtained the consent of the third party to the disclosure of his or her information to the American Express group of companies worldwide for these purposes ii. Use information about You and information about how You use Your Account (unless You ask us not to) to develop lists for use within the American Express group of companies worldwide (including other organizations who issue the Card) and other select companies in order that We or these companies may develop or make offers to You (by mail or telephone) of products and services in which You may be interested. The information used to develop these lists may be obtained from the application, from information on where You use and what Transactions are on Your Card, from surveys and research (which may involve contacting You by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations iii. Exchange information about You and Your Account with credit reference agencies which may be shared with other organizations in assessing applications from You and members of Your household for credit or other facilities and for preventing fraud and tracking debtors iv. Carry out credit checks whilst any money is owed by You on Your Account (including contacting Your bank, financial institution or approved referee) and disclose information about You and Your Account to collection agencies and lawyers for the purpose of collecting debts on Your Account v. Carry out further credit checks and analyse information about You and Transactions on Your Account, to assist in managing Your Account, authorizing Transactions on it and to prevent fraud vi. Monitor and/or record Your telephone calls to Us, or Ours to You, either Ourselves or by reputable organizations selected by Us, to ensure consistent servicing levels (including staff training) and Account operation vii. Undertake all of the above within and outside Saudi Arabia viii. Undertake all of the above in respect of any Supplementary Cardmember on Your Account. Where You have approved the issue of a Card to a Supplementary Cardmember, You confirm that You have obtained the consent of the Supplementary Cardmember to disclose his or her information to the American Express group of companies worldwide and process it for the above purposes g. If You believe that any information We hold about You is incorrect or incomplete, You should write without delay to American Express Saudi Arabia, X.X. Xxx 0000, Xxxxxx 00000, Xxxxx Xxxxxx. Any information, which is found to be incorrect or incomplete, will be corrected promptly

PRIVACY AND APPLICABLE LAW. a. You The Cardmember and the Company agree to comply with all applicable and prevailing exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, Arabia and the jurisdiction of the Committee for the Settlement of Banking Financial Disputes of and Violations at the Saudi Arabian Monetary Agency Authority (SAMA), and . c. We may pursue collection from the court of jurisdiction shall be at our sole option. You agree, however, that we may carry on collection procedures Cardmember and/or the Company in any other jurisdiction in which you the Cardmember and the Company may be resident or domiciled from time to timedomiciled. c. As per SAMA guidelines, we d. We may provide credit information relating to you the Company to The the Saudi Credit Bureau (“SIMAH”) and/ or Bayan Credit Bureau on a monthly periodic basis. The information provided reflects the status as of the most recent statement Statement and includes information regarding whether the Account is regular up to date or overdue. In If the event an Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all All changes in your the Company’s status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAHSIMAH and/ or Bayan, you should ensure that you the Company shall make timely payment of the amount due payments on the Account. The Company hereby agrees to provide Us with any information that We require including but not limited to KYC forms, information and supporting documentation for establishing and/or administering the Accounts and facilities with Us and update personal information if there are any changes and as may be requested by Us. The Company authorizes Us to obtain and collect information as deemed necessary in regard to the Company, the Company accounts and facilities with other lenders through SIMAH, Bayan Credit Bureau and electronically through AL-ELM Information Security Company (“Elm”) and to disclose the Company information to SIMAH, Bayan and Elm, to Our authorized collection agencies or to any other agency approved by SAMA. d. It being e. We may not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you the Cardmember and/or the Company in connection with the use of the Card, it . It is our Our policy to place the same on microfilm. Accordingly, you the Cardmember and the Company hereby agree that such microfilm and/or copies thereof will be acceptable to you the Cardmember and the Company as evidence in any court of law to prove the transactions Transactions undertaken by you the Cardmember and the Company and that you the Cardmember and the Company will not object to the use thereof as evidence. Moreover, you agree the Cardmember agrees that such microfilm or copy thereof may be used in any procedure for verification of your his/her signature. f. We will: i. Disclose information about the Cardmember and the Company, the Account and Transactions on the Account (which may include details of goods and/ or services purchased) to companies within the American Express group of companies worldwide (including other organizations who issue the Card), to any other party whose name or logo appears on the Card issued to the Cardmember, to any party authorized by the Cardmember and the Company, to Our processors and suppliers and to organizations who accept the Card in payment for goods and/or services purchased by the Cardmember and obtain such information from those parties, in order to administer and service the Account, process and collect charges on it and manage any benefits or insurance program in which the Cardmember is enrolled. Where the Cardmember purchases goods and/or services on behalf of a third party, the Cardmember and the Company confirm that the Cardmember has obtained the consent of the third party to disclose his or her information to the American Express group of companies worldwide for these purposes; ii. Use information about the Cardmember and the Company and information about how the Cardmember uses the Account (unless the Cardmember or the Company asks Us not to) to develop lists for use within the American Express group of companies worldwide (including other organizations who issue the Card) and other select companies in order that We or these companies may develop or make offers to the Cardmember (by mail or telephone) of products and services in which the Cardmember may be interested. The information used to develop these lists may be obtained from the application, from information on where the Cardmember uses and what Transactions are on the 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; iii. Exchange information about the Cardmember, the Company and the Account with credit reference agencies which may be shared with other organizations in assessing applications from the Cardmember and members of the Cardmember household for credit or other facilities and for preventing fraud and tracking debtors; iv. Carry out credit checks whilst any money is owed by the Cardmember or the Company on the Account (including contacting the Cardmember bank, financial institution or approved referee) and disclose information about the Cardmember, the Company and the Account to collection agencies and lawyers for the purpose of collecting debts on the Account; x. Xxxxx out further credit checks and analyze information about the Cardmember and the Company and Transactions on the Account, to assist in managing the Account, authorizing Transactions on it and to prevent fraud; vi. Monitor and/or record the Cardmember telephone calls to Us, or Ours to the Cardmember, either Ourselves or by reputable organizations selected by Us, to ensure consistent servicing levels (including staff training) and Account operation vii. Undertake all of the above within and outside the Kingdom of Saudi Arabia. g. If the Cardmember believes that any information We hold about the Cardmember or the Company is incorrect or incomplete or outdated, the Cardmember can either: i. write without delay to American Express Saudi Arabia, P.O. Box 6624, ii. update their information through use of the American Express Saudi Arabia mobile phone application. Any information, which is found to be incorrect or incomplete or outdated, will be corrected promptly.

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, the Committee for Settlement of Banking Disputes of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. You agree, however, that we may carry on collection procedures in any other jurisdiction in which you may be resident or domiciled from time to time. c. As per SAMA guidelines, we provide credit information relating to you to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of at the most recent statement previous month-end and includes information regarding whether the Account is regular or overduedelinquent. In the event an Account is overdue delinquent as at the date of such reporting and the Account is subsequently regularized, the status of the Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you should ensure that you they make timely payment of the amount due on the Account. d. It being not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you in connection with the use of the Card, it is our policy to place the same on microfilm. Accordingly, you hereby agree that such microfilm and/or copies thereof will be acceptable to you as evidence in any court of law to prove the transactions undertaken by you and that you will not object to the use thereof as evidence. Moreover, you agree that such microfilm or copy thereof may be used in any procedure for verification of your signature.

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, the Committee for Settlement of Banking Disputes of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. You agree, however, that we may carry on collection procedures in any other jurisdiction in which you may be resident or domiciled from time to time. c. As per SAMA guidelines, we provide credit information relating to you to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of the most recent statement and includes information regarding whether the Account is regular or overdue. In the event an Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you should ensure that you they make timely payment of the amount due on the Account. d. It being not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you in connection with the use of the Card, it is our policy to place the same on microfilm. Accordingly, you hereby agree that such microfilm and/or copies thereof will be acceptable to you as evidence in any court of law to prove the transactions undertaken by you and that you will not object to the use thereof as evidence. Moreover, you agree that such microfilm or copy thereof may be used in any procedure for verification of your signature.

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable and prevailing exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, and the jurisdiction of the Committee for the Settlement of Banking Financial Disputes of and Violations at the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. c. We may pursue collection from You agree, however, that we may carry on collection procedures in any other jurisdiction in which you You may be resident or domiciled from time to time.domiciled c. As per SAMA guidelines, we d. We provide credit information relating to you You to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of the most recent statement Statement and includes information regarding whether the Your Account is regular up to date or overdue. In the event an If Your Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Your Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all All changes in your Your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you You should ensure that you You make timely payment of payments on Your Account. You hereby agree to provide Us with any information that We require including but not limited to Know Your Customer forms, information and supporting documentation for establishing and/or administering Your Accounts and facilities with Us and update Your personal information if there are any changes and as may be requested by Us. You also authorize Us to obtain and collect information as deemed necessary in regard to You, Your accounts and facilities with other lenders through The Saudi Credit Bureau (“SIMAH”) and electronically through AL-ELM Information Security Company (“Elm”) and to disclose Your information to SIMAH, Elm, to Our authorized collection agencies or to any other agency approved by SAMA. All capitalized terms in this document will have the amount due on same meaning as defined in the Account. d. It being Cardmember Agreement. We may not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you You in connection with the use of the Card, it . It is our Our policy to place the same on microfilm. Accordingly, you You hereby agree that such microfilm and/or copies thereof will be acceptable to you You as evidence in any court of law to prove the transactions Transactions undertaken by you You and that you You will not object to the use thereof as evidence. Moreover, you You agree that such microfilm or copy thereof may be used in any procedure for verification of your Your signature. e. We will: i. Disclose information about You, Your Account and Transactions on Your Account (which may include details of goods and/or services purchased) to companies within the American Express group of companies worldwide (including other organizations who issue the Card), to any other party whose name or logo appears on the Card issued to You, to any party authorized by You, to Our processors and suppliers and to organizations who accept the Card in payment for goods and/or services purchased by You and obtain such information from those parties, in order to administer and service Your Account, process and collect charges on it and manage any benefits or insurance program in which You are enrolled. Where You purchase goods and/or services on behalf of a third party, You confirm that You have obtained the consent of the third party to the disclosure of his or her information to the American Express group of companies worldwide for these purposes ii. Use information about You and information about how You use Your Account (unless You ask us not to) to develop lists for use within the American Express group of companies worldwide (including other organizations who issue the Card) and other select companies in order that We or these companies may develop or make offers to You (by mail or telephone) of products and services in which You may be interested. The information used to develop these lists may be obtained from the application, from information on where You use and what Transactions are on Your Card, from surveys and research (which may involve contacting You by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations iii. Exchange information about You and Your Account with credit reference agencies which may be shared with other organizations in assessing applications from You and members of Your household for credit or other facilities and for preventing fraud and tracking debtors iv. Carry out credit checks whilst any money is owed by You on Your Account (including contacting Your bank, financial institution or approved referee) and disclose information about You and Your Account to collection agencies and lawyers for the purpose of collecting debts on Your Account v. Carry out further credit checks and analyse information about You and Transactions on Your Account, to assist in managing Your Account, authorizing Transactions on it and to prevent fraud vi. Monitor and/or record Your telephone calls to Us, or Ours to You, either Ourselves or by reputable organizations selected by Us, to ensure consistent servicing levels (including staff training) and Account operation vii. Undertake all of the above within and outside Saudi Arabia viii. Undertake all of the above in respect of any Supplementary Cardmember on Your Account. Where You have approved the issue of a Card to a Supplementary Cardmember, You confirm that You have obtained the consent of the Supplementary Cardmember to disclose his or her information to the American Express group of companies worldwide and process it for the above purposes f. If You believe that any information We hold about You is incorrect or incomplete, You should write without delay to American Express Saudi Arabia, X.X. Xxx 0000, Xxxxxx 00000, Xxxxx Xxxxxx. Any information, which is found to be incorrect or incomplete, will be corrected promptly

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable and prevailing exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, and the jurisdiction of the Committee for the Settlement of Banking Financial Disputes and Violations of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. c. We may pursue collection from You agree, however, that we may carry on collection procedures in any other jurisdiction in which you You may be resident or domiciled from time to time.domiciled c. As per SAMA guidelines, we d. We provide credit information relating to you You to The Saudi Credit Bureau (SIMAH) on a monthly periodic basis. The information provided reflects the status as of the most recent statement Statement and includes information regarding whether the Your Account is regular up to date or overdue. In the event an If Your Account is overdue as at the date of such reporting and the Account is subsequently regularized, the status of the Your Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all All changes in your Your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you You should ensure that you You make timely payment of payments on Your Account. You hereby agree to provide Us with any information that We require including but not limited to Know Your Customer forms, information and supporting documentation for establishing and/or administering Your Accounts and facilities with Us and update Your personal information if there are any changes and as may be requested by Us. You also authorize Us to obtain and collect information as deemed necessary in regard to You, Your accounts and facilities with other lenders through The Saudi Credit Bureau (“SIMAH”) and electronically through AL-Elm Information Security Company (“Elm”) and to disclose Your information to SIMAH, Elm, to Our authorized collection agencies or to any other agency approved by SAMA. All capitalized terms in this document will have the amount due on same meaning as defined in the AccountCardmember Agreement. d. It being e. We may not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you You in connection with the use of the Card, it . It is our Our policy to place the same on microfilm. Accordingly, you You hereby agree that such microfilm and/or copies thereof will be acceptable to you You as evidence in any court of law to prove the transactions Transactions undertaken by you You and that you You will not object to the use thereof as evidence. Moreover, you You agree that such microfilm or copy thereof may be used in any procedure for verification of your Your signature. f. We will: i. Disclose information about You, Your Account and Transactions on Your Account (which may include details of goods and/or services purchased) to companies within the American Express group of companies worldwide (including other organizations who issue the Card), to any other party whose name or logo appears on the Card issued to You, to any party authorized by You, to Our processors and suppliers and to organizations who accept the Card in payment for goods and/or services purchased by You and obtain such information from those parties, in order to administer and service Your Account, process and collect charges on it and manage any benefits or insurance program in which You are enrolled. Where You purchase goods and/or services on behalf of a third party, You confirm that You have obtained the consent of the third party to the disclosure of his or her information to the American Express group of companies worldwide for these purposes ii. Use information about You and information about how You use Your Account (unless You ask us not to) to develop lists for use within the American Express group of companies worldwide (including other organizations who issue the Card) and other select companies in order that We or these companies may develop or make offers to You (by mail or telephone) of products and services in which You may be interested. The information used to develop these lists may be obtained from the application, from information on where You use and what Transactions are on Your Card, from surveys and research (which may involve contacting You by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations iii. Exchange information about You and Your Account with credit reference agencies which may be shared with other organizations in assessing applications from You and members of Your household for credit or other facilities and for preventing fraud and tracking debtors iv. Carry out credit checks whilst any money is owed by You on Your Account (including contacting Your bank, financial institution or approved referee) and disclose information about You and Your Account to collection agencies and lawyers for the purpose of collecting debts on Your Account v. Carry out further credit checks and analyse information about You and Transactions on Your Account, to assist in managing Your Account, authorizing Transactions on it and to prevent fraud vi. Monitor and/or record Your telephone calls to Us, or Ours to You, either Ourselves or by reputable organizations selected by Us, to ensure consistent servicing levels (including staff training) and Account operation vii. Undertake all of the above within and outside Saudi Arabia viii. Undertake all of the above in respect of any Supplementary Cardmember on Your Account. Where You have approved the issue of a Card to a Supplementary Cardmember, You confirm that You have obtained the consent of the Supplementary Cardmember to disclose his or her information to the American Express group of companies worldwide and process it for the above purposes g. If You believe that any information We hold about You is incorrect or incomplete, You should write without delay to American Express Saudi Arabia, X.X. Xxx 0000, Xxxxxx 00000, Xxxxx Xxxxxx. Any information, which is found to be incorrect or incomplete, will be corrected promptly

PRIVACY AND APPLICABLE LAW. a. You agree to comply with all applicable exchange control regulations, which may be issued from time to time. b. The Agreement and, unless it is otherwise agreed between us, all matters arising out of the issue or use of the Card are subject to the laws of the Kingdom of Saudi Arabia, including but not limited to, the Committee for Settlement of Banking Disputes of the Saudi Arabian Monetary Agency (SAMA), and the court of jurisdiction shall be at our sole option. You agree, however, that we may carry on collection procedures in any other jurisdiction in which you may be resident or domiciled from time to time. c. As per SAMA guidelines, we provide credit information relating to you to The Saudi Credit Bureau (SIMAH) on a monthly basis. The information provided reflects the status as of at the most recent statement previous month-end and includes information regarding whether the Account is regular or overduedelinquent. In the event an Account is overdue delinquent as at the date of such reporting and the Account is subsequently regularized, the status of the Account will only be updated prospectively, at the time of the next monthly reporting. As per SIMAH, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit history with SIMAH, you should ensure that you make timely payment of the amount due on the Account. d. It being not reasonably possible for us to maintain original copies of all vouchers and other papers signed by you in connection with the use of the Card, it is our policy to place the same on microfilm. Accordingly, you hereby agree that such microfilm and/or copies thereof will be acceptable to you as evidence in any court of law to prove the transactions undertaken by you and that you will not object to the use thereof as evidence. Moreover, you agree that such microfilm or copy thereof may be used in any procedure for verification of your signature.