Common use of PRIVACY AND APPLICABLE LAW Clause in Contracts

PRIVACY AND APPLICABLE LAW. 1. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 2. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company also agrees that any such evidence may be used in any procedure for verification of signatures. 3. AEME will: (a) Disclose information about the Company, its Card Account, Transactions and Charges on its 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 provide relevant services to the Card), to any other party whose name or logo appears on the Card issued to the Company, to any party authorized by the Company, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, or in accordance with Clause 20 (Privacy and Applicable Law). When the Company purchases goods or services on behalf of a third party, the Company confirms that it has obtained the consent of the third party to the disclosure of its information to American Express group of companies worldwide for these purposes; (b) Use information about the Company and information about how it uses the Card Account to develop lists for use within the American Express group of companies worldwide (including third parties and other organizations which provide relevant services to the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company (by mail, email, telephone, social media, SMS or any other mode of communication) of products and services in which the Company 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 Transactions made on the Company's Card, from surveys and research (which may involve contacting the Company by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company and its 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 Company to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Company on the Card Account (including contacting the Company's bank, financial institution or approved referee) and disclose information about the Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's Card Account; (e) Carry out further credit checks and analyze information about the Company and charges on the Card Account, to assist in managing the Company's Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the 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; and (g) Keep information about the Company and its personnel, including Program Administrators and Authorised Users, for regulatory purposes for as long as required by law and/or regulation.

PRIVACY AND APPLICABLE LAW. 1. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 2. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company also agrees that any such evidence may be used in any procedure for verification of signatures. 3. AEME will:: 40445_AMEX_CPC_Agreement_Other Markets_03_2022 (a) a. Disclose information about the Company, its Card Account, Transactions and Charges on its 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 provide relevant services to the Card), to any other party whose name or logo appears on the Card issued to the Company, to any party authorized by the Company, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, or in accordance with Clause 20 (Privacy and Applicable Law). When the Company purchases goods or services on behalf of a third party, the Company confirms that it has obtained the consent of the third party to the disclosure of its information to American Express group of companies worldwide for these purposes; (b) b. Use information about the Company and information about how it uses the Card Account to develop lists for use within the American Express group of companies worldwide (including third parties and other organizations which provide relevant services to the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company (by mail, email, telephone, social media, SMS or any other mode of communication) of products and services in which the Company 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 Transactions made on the Company's ’s Card, from surveys and research (which may involve contacting the Company by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) c. Exchange information about the Company and its 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 Company to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company for credit or other facilities and for preventing fraud and tracking debtors; (d) d. Carry out credit checks whilst any money is owed by the Company on the Card Account (including contacting the Company's ’s bank, financial institution or approved referee) and disclose information about the Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's ’s Card Account; (e) e. Carry out further credit checks and analyze information about the Company and charges on the Card Account, to assist in managing the Company'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 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; and (g) g. Keep information about the Company and its personnel, including Program Administrators and Authorised Users, for regulatory purposes for as long as required by law and/or regulation.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 2. The Cardmember understands and acknowledges the Data Privacy Notice. The Data Privacy Notice is available online at xxx.xxxxxxxxxxxxxxx.xxx. bh This document includes further details in respect of the collection, processing, transfer and disclosure of personal data. 3. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 24. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed thereof, are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 35. The Cardmember understands and agrees that AEME will: (a) Disclose information about the CompanyCardmember, its his or her Card Account, Transactions Account and Charges on its 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 the Cardservices), to any other party whose name or logo appears on the Card issued to the CompanyCardmember, to any party authorized by the CompanyCardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, it and manage any benefits or insurance programmes in accordance with Clause 20 (Privacy and Applicable Law)which the Cardmember is enrolled. When the Company Cardmember purchases goods or services on behalf of a third party, the Company Cardmember confirms that it he or she has obtained the consent of the third party to the disclosure of its his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Company Cardmember and information about how it he or she uses the his or her Card Account to develop lists for use within the American Express group of companies Companies worldwide (including third parties and other organizations which provide relevant services to issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company Cardmember (by mail, email, telephone, social media, SMS or any other mode of communication) of products and services in which the Company Cardmember might be interested. The information used to develop these lists may be obtained from the applicationApplication, from information on where the Card is used and information about the nature of the Transactions Charges made on the Company's Cardmember’s Card, from surveys and research (which may involve contacting the Company Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company Cardmember and its his or her Card Account with credit rating agencies, credit bureausCredit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Company Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company 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 Company Cardmember on the his or her Card Account (including contacting the Company's Cardmember’s bank, financial institution or approved referee) and disclose information about the Company Cardmember and the his or her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's Cardmember’s Card Account; (e) Carry out further credit checks and analyze information about the Company Cardmember and charges on the his or her Card Account, to assist in managing the Company's Cardmember’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the 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; and; (g) Keep 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. 6. If the Cardmember believes that any information AEME holds about him or her is incorrect or incomplete, the Company and its personnelCardmember must write without delay to AMEX (Middle East) B.S.C. (c), including Program Administrators and Authorised UsersP.O. Box 5990, for regulatory purposes for as long as required by law and/or regulationManama, Kingdom of Bahrain.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 2. The Cardmember understands and agrees to the terms and conditions of the Data Privacy Notice. The Data Privacy Notice is available online at xxx.xxxxxxxxxxxxxxx.xxx.xx This document includes further details in respect of the collection, processing, transfer and disclosure of personal data. 3. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 24. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed thereof, are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 35. The Cardmember understands and agrees that AEME will: (a) Disclose information about the CompanyCardmember, its his or her Card Account, Transactions Account and Charges on its 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 the Cardservices), to any other party whose name or logo appears on the Card issued to the CompanyCardmember, to any party authorized by the CompanyCardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, it and manage any benefits or insurance programmes in accordance with Clause 20 (Privacy and Applicable Law)which the Cardmember is enrolled. When the Company Cardmember purchases goods or services on behalf of a third party, the Company Cardmember confirms that it he or she has obtained the consent of the third party to the disclosure of its his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Company Cardmember and information about how it he or she uses the his or her Card Account to develop lists for use within the American Express group of companies Companies worldwide (including third parties and other organizations which provide relevant services to issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company Cardmember (by mail, email, telephone, social media, SMS or any other mode of communication) of products and services in which the Company Cardmember might be interested. The information used to develop these lists may be obtained from the applicationApplication, from information on where the Card is used and information about the nature of the Transactions Charges made on the Company's Cardmember’s Card, from surveys and research (which may involve contacting the Company Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company Cardmember and its his or her Card Account with credit rating agencies, credit bureausCredit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Company Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company 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 Company Cardmember on the his or her Card Account (including contacting the Company's Cardmember’s bank, financial institution or approved referee) and disclose information about the Company Cardmember and the his or her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's Cardmember’s Card Account; (e) Carry out further credit checks and analyze information about the Company Cardmember and charges on the his or her Card Account, to assist in managing the Company's Cardmember’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the 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; and; (g) Keep 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. 6. If the Cardmember believes that any information AEME holds about him or her is incorrect or incomplete, the Company and its personnelCardmember must write without delay to AMEX (Middle East) B.S.C. (c), including Program Administrators and Authorised UsersP.O. Box 5990, for regulatory purposes for as long as required by law and/or regulationManama, Kingdom of Bahrain.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 2. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 23. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 34. AEME will:: 40445_AMEX_Cardmember Agreement_Company Liability_Other Markets_03_2022 (a) Disclose information about the CompanyCardmember, its his or her Card Account, Transactions Account and Charges on its 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 the Cardservices), to any other party whose name or logo appears on the Card issued to the CompanyCardmember, to any party authorized by the CompanyCardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, it and manage any benefits or insurance programs in accordance with Clause 20 (Privacy and Applicable Law)which the Cardmember is enrolled. When the Company Cardmember purchases goods or services on behalf of a third party, the Company Cardmember confirms that it he or she has obtained the consent of the third party to the disclosure of its his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Company Cardmember and information about how it he or she uses the his or her Card Account to develop lists for use within the American Express group of companies Companies worldwide (including third parties and other organizations which provide relevant services to issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company Cardmember (by mail, email, telephone, social media, or SMS or any other mode of communication) of products and services in which the Company Cardmember might be interested. The information used to develop these lists may be obtained from the applicationApplication, from information on where the Card is used and information about the nature of the Transactions Charges made on the Company's Cardmember’s Card, from surveys and research (which may involve contacting the Company Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company Cardmember and its his or her Card Account with credit rating agencies, credit bureausCredit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Company Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company 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 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 Company's 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 Company's 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; and; (g) Keep Undertake all of the above within and outside the Middle East; 5. If the Cardmember believes that any information AEME holds about him or her is incorrect or incomplete, the Company and its personnelCardmember must write without delay to AMEX (Middle East) B.S.C. (c), including Program Administrators and Authorised UsersP.O. Box 5990, for regulatory purposes for as long as required by law and/or regulationManama, Kingdom of Bahrain.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 40445_AMEX_UAE_ American Express Corporate Card Cardmember Agreement Joint & Several Liability 2. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain English law and the courts of the Kingdom of Bahrain Dubai International Financial Centre (DIFC) at Dubai shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 23. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 3. AEME will: (a) Disclose information about the Company, its Card Account, Transactions and Charges on its 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 provide relevant services to the Card), to any other party whose name or logo appears on the Card issued to the Company, to any party authorized by the Company, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, or in accordance with Clause 20 (Privacy and Applicable Law). When the Company purchases goods or services on behalf of a third party, the Company confirms that it has obtained the consent of the third party to the disclosure of its information to American Express group of companies worldwide for these purposes; (b) Use information about the Company and information about how it uses the Card Account to develop lists for use within the American Express group of companies worldwide (including third parties and other organizations which provide relevant services to the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company (by mail, email, telephone, social media, SMS or any other mode of communication) of products and services in which the Company 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 Transactions made on the Company's Card, from surveys and research (which may involve contacting the Company by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company and its 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 Company to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company for credit or other facilities and for preventing fraud and tracking debtors; (d) Carry out credit checks whilst any money is owed by the Company on the Card Account (including contacting the Company's bank, financial institution or approved referee) and disclose information about the Company and the Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's Card Account; (e) Carry out further credit checks and analyze information about the Company and charges on the Card Account, to assist in managing the Company's Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the 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; and (g) Keep information about the Company and its personnel, including Program Administrators and Authorised Users, for regulatory purposes for as long as required by law and/or regulation.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 2. The Cardmember understands and agrees to the terms and conditions of the Data Privacy Notice. The Data Privacy Notice is available online at www. xxxxxxxxxxxxxxx.xxx.xx This document includes further details in respect of the collection, processing, transfer and disclosure of personal data. 3. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 24. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 35. The Cardmember understands and agrees that AEME will: (a) Disclose information about the CompanyCardmember, its his or her Card Account, Transactions Account and Charges on its 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 the Cardservices), to any other party whose name or logo appears on the Card issued to the CompanyCardmember, to any party authorized by the CompanyCardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, it and manage any benefits or insurance programmes in accordance with Clause 20 (Privacy and Applicable Law)which the Cardmember is enrolled. When the Company Cardmember purchases goods or services on behalf of a third party, the Company Cardmember confirms that it he or she has obtained the consent of the third party to the disclosure of its his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Company Cardmember and information about how it he or she uses the his or her Card Account to develop lists for use within the American Express group of companies Companies worldwide (including third parties and other organizations which provide relevant services to issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company Cardmember (by mail, email, telephone, social media, or SMS or any other mode of communication) of products and services in which the Company Cardmember might be interested. The information used to develop these lists may be obtained from the applicationApplication, from information on where the Card is used and information about the nature of the Transactions Charges made on the Company's Cardmember’s Card, from surveys and research (which may involve contacting the Company Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company Cardmember and its his or her Card Account with credit rating agencies, credit bureausCredit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Company Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company 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 Company Cardmember on the his or her Card Account (including contacting the Company's Cardmember’s bank, financial institution or approved referee) and disclose information about the Company Cardmember and the his or her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's Cardmember’s Card Account; (e) Carry out further credit checks and analyze information about the Company Cardmember and charges on the his or her Card Account, to assist in managing the Company's Cardmember’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the 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; and; (g) Keep 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. 6. If the Cardmember believes that any information AEME holds about him or her is incorrect or incomplete, the Company and its personnelCardmember must write without delay to AMEX (Middle East) B.S.C. (c), including Program Administrators and Authorised UsersP.O. Box 5990, for regulatory purposes for as long as required by law and/or regulationManama, Kingdom of Bahrain.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 2. The Cardmember understands and acknowledges the Data Privacy Notice. The Data Privacy Notice is available online at xxx.xxxxxxxxxxxxxxx.xxx. bh This document includes further details in respect of the collection, processing, transfer and disclosure of personal data. 3. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 24. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 35. The Cardmember understands and agrees that AEME will: (a) Disclose information about the CompanyCardmember, its his or her Card Account, Transactions Account and Charges on its 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 the Cardservices), to any other party whose name or logo appears on the Card issued to the CompanyCardmember, to any party authorized by the CompanyCardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, it and manage any benefits or insurance programmes in accordance with Clause 20 (Privacy and Applicable Law)which the Cardmember is enrolled. When the Company Cardmember purchases goods or services on behalf of a third party, the Company Cardmember confirms that it he or she has obtained the consent of the third party to the disclosure of its his or her information to American Express group of companies worldwide for these purposes; (b) Use information about the Company Cardmember and information about how it he or she uses the his or her Card Account to develop lists for use within the American Express group of companies Companies worldwide (including third parties and other organizations which provide relevant services to issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company Cardmember (by mail, email, telephone, social media, or SMS or any other mode of communication) of products and services in which the Company Cardmember might be interested. The information used to develop these lists may be obtained from the applicationApplication, from information on where the Card is used and information about the nature of the Transactions Charges made on the Company's Cardmember’s Card, from surveys and research (which may involve contacting the Company Cardmember by mail or telephone) and from information obtained from other external sources such as merchants or marketing organizations; (c) Exchange information about the Company Cardmember and its his or her Card Account with credit rating agencies, credit bureausCredit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Company Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company 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 Company Cardmember on the his or her Card Account (including contacting the Company's Cardmember’s bank, financial institution or approved referee) and disclose information about the Company Cardmember and the his or her Card Account to collection agencies and lawyers for the purpose of collecting debts on the Company's Cardmember’s Card Account; (e) Carry out further credit checks and analyze information about the Company Cardmember and charges on the his or her Card Account, to assist in managing the Company's Cardmember’s Card Account, authorizing Charges on it and to prevent fraud; (f) Monitor and or record any telephone calls between AEME and the 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; and; (g) Keep 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. 6. If the Cardmember believes that any information AEME holds about him or her is incorrect or incomplete, the Company and its personnelCardmember must write without delay to AMEX (Middle East) B.S.C. (c), including Program Administrators and Authorised UsersP.O. Box 5990, for regulatory purposes for as long as required by law and/or regulationManama, Kingdom of Bahrain.

PRIVACY AND APPLICABLE LAW. 1. The Cardmember agrees to comply with all applicable exchange control regulations which may be issued from time to time. 2. This Agreement, the performance and construction of its provisions and all matters arising because of the issuance or use of the Card are subject to the laws of the Kingdom of Bahrain and the courts of the Kingdom of Bahrain shall have jurisdiction and be competent to decide over all disputes or matters arising in relation to this Agreement, the Card or other relevant matter. The Company Cardmember also agrees that AEME may initiate collection procedures or other legal action in any other jurisdiction in which the Company Cardmember may be resident or domiciled from time to time and agrees to submit to the choice of such jurisdiction. 23. It may not be reasonably possible for AEME to maintain original copies of all vouchers, receipts, records of Transactions and other documents signed by the Company Cardmember to process any Transaction or other documents signed in connection with the use of the Card. It is AEME's ’s policy to place the same on microfilm or to maintain the same in electronic form. Accordingly, the Company Cardmember hereby agrees that such microfilm, electronic records or data maintained in any form by AEME or any copies or prints thereof even if not signed are true, complete and accurate and shall be final conclusive evidence admissible at any court of law to evidence any fact or matter whether related to the Account or to a Transaction or Charge and waives any right to object, dispute or challenge such evidence in any manner. The Company Cardmember also agrees that any such evidence may be used in any procedure for verification of signatureshis or her signature. 34. AEME will:: 40445_AMEX_Cardmember Agreement_Joint & Several Liability_Other Markets_03_2022 (a) a. Disclose information about the CompanyCardmember, its his or her Card Account, Transactions Account and Charges on its 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 the Cardservices), to any other party whose name or logo appears on the Card issued to the CompanyCardmember, to any party authorized by the CompanyCardmember, to our processors and suppliers and to organizations which accept the Card in payment for goods or services purchased by the Company Cardmember and obtain such information from those parties, in order to administer and service the Card Account, process and collect Charges on it, it and manage any benefits or insurance programs in accordance with Clause 20 (Privacy and Applicable Law)which the Cardmember is enrolled. When the Company Cardmember purchases goods or services on behalf of a third party, the Company Cardmember confirms that it he or she has obtained the consent of the third party to the disclosure of its his or her information to American Express group of companies worldwide for these purposes; (b) b. Use information about the Company Cardmember and information about how it he or she uses the his or her Card Account to develop lists for use within the American Express group of companies Companies worldwide (including third parties and other organizations which provide relevant services to issue the Card) and other selected companies in order that AEME or these companies may develop or make offers to the Company Cardmember (by mail, email, telephone, social media, or SMS or any other mode of communication) of products and services in which the Company Cardmember might be interested. The information used to develop these lists may be obtained from the applicationApplication, from information on where the Card is used and information about the nature of the Transactions Charges made on the Company's Cardmember’s Card, from surveys and research (which may involve contacting the Company 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 Company Cardmember and its his or her Card Account with credit rating agencies, credit bureausCredit Bureaus, or regulatory authorities, and report any Transaction, event, matter or incidence related to the Card or the Company Cardmember to the regulatory authorities. Such information may be shared with other organizations in assessing applications received from the Company Cardmember or from members of his or her household for credit or other facilities and for preventing fraud and tracking debtors; (d) d. Carry out credit checks whilst any money is owed by the Cardmember or Company on the Card Account (including contacting the 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 Company's Cardmember’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 Company's Cardmember’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 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; and; g. Undertake all of the above within and outside the Middle East; 5. If the Cardmember believes that any information AEME holds about him or her is incorrect or incomplete, the Cardmember must write without delay to AMEX (gMiddle East) Keep information about the Company and its personnelB.S.C. (c), including Program Administrators and Authorised UsersP.O. Box 5990, for regulatory purposes for as long as required by law and/or regulationManama, Kingdom of Bahrain.