Common use of STATEMENTS OF ACCOUNTS Clause in Contracts

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 2. If the Cardmember is on a direct debit arrangement with the Cardmember’s bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s behalf by debiting the Cardmember’s bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement If the Cardmember is individually billed, the settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) Cardmember must pay AEME in his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 2. If the Cardmember is billed either individually or centrally and the Company centrally settles the monthly statement with AEME directly, such settlement is governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the central monthly Statement of Account by the Company. The Company must contact AEME immediately if the Company does not receive the Statement of Account on the expected date. ii) The Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 23. If the Cardmember is on a direct debit arrangement with the Cardmember’s or Company’s bank, settlement of the monthly balances is governed by the following procedures: i) The Cardmember’s or Company’s financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The Cardmember’s or Company’s financial institution will automatically pay the Card Charges in full on the Cardmember’s or Company’s behalf by debiting the Cardmember’s or Company’s bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said Cardmember’s or Company’s bank account to cover the amount due. iii) The Cardmember or Company will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s or Company’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess on Charges on Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 34. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 45. All payments by the Cardmember or Company to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 56. If payment from the Cardmember or Company to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember or his Company shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s sole or Company’s responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember or Company has the said direct debit arrangement. The Cardmember or Company shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the CardmemberCompany. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember or Company fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges Company agree and acknowledge that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember Company further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 67. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 78. If the Cardmember or Company pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s or Company’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of no later than the Statement of AccountPayment Due Date. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s 's billing currency. This may delay the credit to the Cardmember’s 's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s 's rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “"Charge On Overdue Balance”". 2. If the you are a Cardmember is on a direct debit arrangement with the Cardmember’s through a bank, settlement of the monthly balances is governed by the following proceduresprocedure: i) The financial institution with which issuing the direct debit arrangement is set up Cardmember Card will be advised monthly by AEME of the total Card Charges. ii) The Cardmember's financial institution will automatically pay the Card Charges in full on the Cardmember’s 's behalf by debiting the Cardmember’s 's bank account within 20 days from the day the said bank financial institution receives the his Card Summary of Charges, provided there are sufficient funds in the said Cardmember's bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s 's financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, may at its discretion, discretion accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, so AEME does not waive, or consent to vary any of AEME’s 's rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Charges on Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s 's records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s 's sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving by the Due Date shown on the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card his or her Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing employment and or office and or residential address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passporti.e. Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance Due of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement If the Cardmember is individually billed, the settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 2. If the Cardmember is billed either individually or centrally and the Company centrally settles the monthly statement with AEME directly, such settlement is governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the central monthly Statement of Account by the Company. The Company must contact AEME immediately if the Company does not receive the Statement of Account on the expected date. ii) The Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 3. If the Cardmember is on a direct debit arrangement with the Cardmember’s or Company’s bank, settlement of the monthly balances is governed by the following procedures: i) The Cardmember’s or Company’s financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The Cardmember’s or Company’s financial institution will automatically pay the Card Charges in full on the Cardmember’s or Company’s behalf by debiting the Cardmember’s or Company’s bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said Cardmember’s or Company’s bank account to cover the amount due. iii) The Cardmember or Company will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s or Company’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges . governed by this Agreement. They are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according subject to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to separate arrangements between the Cardmember or to his Service Establishment should the Card Account become overdue for any amountCompany and their financial institution. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s 's billing currency. This may delay the credit to the Cardmember’s 's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s 's rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “"Charge On Overdue Balance”". 2. If the Cardmember is on a direct debit arrangement with the Cardmember’s 's bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s 's behalf by debiting the Cardmember’s 's bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s 's financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s 's financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s 's financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s 's rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s 's financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Late Payment Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s 's records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s 's sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s 's account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of no later than the Statement of AccountPayment Due Date. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s 's billing currency. This may delay the credit to the Cardmember’s 's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s 's rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “"Charge On Overdue Balance”". 2. If the you are a Cardmember is on a direct debit arrangement with the Cardmember’s through a bank, settlement of the monthly balances is governed by the following proceduresprocedure: i) The financial institution with which issuing the direct debit arrangement is set up Cardmember Card will be advised monthly by AEME of the total Card Charges. ii) The Cardmember's financial institution will automatically pay the Card Charges in full on the Cardmember’s 's behalf by debiting the Cardmember’s 's bank account within 20 days from the day the said bank financial institution receives the his Card Summary of Charges, provided there are sufficient funds in the said Cardmember's bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s 's financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, may at its discretion, discretion accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, so AEME does not waive, or consent to vary any of AEME’s 's rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Charges on Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s 's records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s 's sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving by the Due Date shown on the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card his or her Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing employment and or office and or residential address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passporti.e. Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance Due of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of no later than the Statement of AccountPayment Due Date. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 2. If the you are a Cardmember is on a direct debit arrangement with the Cardmember’s through a bank, settlement of the monthly balances is governed by the following proceduresprocedure: i) The financial institution with which issuing the direct debit arrangement is set up Cardmember Card will be advised monthly by AEME of the total Card Charges. ii) The Cardmember’s financial institution will automatically pay the Card Charges in full on the Cardmember’s behalf by debiting the Cardmember’s bank account within 20 days from the day the said bank financial institution receives the his Card Summary of Charges, provided there are sufficient funds in the said Cardmember’s bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, may at its discretion, discretion accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, so AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Charges on Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored dishonoured or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored dishonoured cheque, whether civil or criminal. It is the Cardmember’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving by the Due Date shown on the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card his or her Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing employment and or office and or residential address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passporti.e. Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance Due of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement If the Cardmember is individually billed, the settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember or the Company must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember and the Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 40445_AMEX_Cardmember Agreement_Joint & Several Liability_Other Markets_03_2022 2. If the Cardmember is billed either individually or centrally and the Company centrally settles the monthly statement with AEME directly, such settlement is governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the central monthly Statement of Account by the Company. The Company must contact AEME immediately if the Company does not receive the Statement of Account on the expected date. ii) The Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 23. If the Cardmember is on a direct debit arrangement with the Cardmember’s bank or with the Company’s bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s and the Company’s behalf by debiting the Cardmember’s or the Company’s bank account account, as the case may be, within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember or the Company will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s or the Company’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s or the Company’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Cardmember’s Card Charges are returned unpaid by the Cardmember’s or the Company’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Charges charges on overdue balance as indicated in the Schedule of Fees and Charges. 34. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 45. All payments by the Cardmember or the Company to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions.. 40445_AMEX_Cardmember Agreement_Joint & Several Liability_Other Markets_03_2022 56. If payment from the Cardmember or the Company to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember and the Company shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s and the Company’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember or the Company has the said direct debit arrangement. The Cardmember and the Company shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the CardmemberCardmember and the Company. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails and the Company fail to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges the Company agree and acknowledge that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember and the Company further agrees agree and undertakes undertake to indemnify AEME for any action whatsoever that may arise accordingly. 67. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 78. If the Cardmember or the Company pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of no later than the Statement of AccountPayment Due Date. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s 's billing currency. This may delay the credit to the Cardmember’s 's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s 's rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “"Charge On Overdue Balance”". 2. If the you are a Cardmember is on a direct debit arrangement with the Cardmember’s through a bank, settlement of the monthly balances is governed by the following proceduresprocedure: i) The financial institution with which issuing the direct debit arrangement is set up Cardmember Card will be advised monthly by AEME of the total Card Charges. ii) The Cardmember's financial institution will automatically pay the Card Charges in full on the Cardmember’s 's behalf by debiting the Cardmember’s 's bank account within 20 days from the day the said bank financial institution receives the his Card Summary of Charges, provided there are sufficient funds in the said Cardmember's bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s 's financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, may at its discretion, discretion accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, so AEME does not waive, or consent to vary any of AEME’s 's rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Late Payment Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s 's records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s 's sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving by the Due Date shown on the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card his or her Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing employment and or office and or residential address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passporti.e. Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance Due of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of no later than the Statement of AccountPayment Due Date. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s Cardmember›s billing currency. This may delay the credit to the Cardmember’s Cardmember›s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s AEME›s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “«Charge On Overdue Balance”». 2. If the you are a Cardmember is on a direct debit arrangement with the Cardmember’s through a bank, settlement of the monthly balances is governed by the following proceduresprocedure: i) The financial institution with which issuing the direct debit arrangement is set up Cardmember Card will be advised monthly by AEME of the total Card Charges. ii) The Cardmember›s financial institution will automatically pay the Card Charges in full on the Cardmember’s Cardmember›s behalf by debiting the Cardmember’s Cardmember›s bank account within 20 days from the day the said bank financial institution receives the his Card Summary of Charges, provided there are sufficient funds in the said Cardmember›s bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s Cardmember›s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, may at its discretion, discretion accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, so AEME does not waive, or consent to vary any of AEME’s AEME›s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Charges on Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s AEME›s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s Cardmember›s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving by the Due Date shown on the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card his or her Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing employment and or office and or residential address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passporti.e. Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance Due of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”.. 40445_AMEX_UAE Cardmember Agreement Company Card_05_2021 2. If the Cardmember is on a direct debit arrangement with the Cardmember’s bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s behalf by debiting the Cardmember’s bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 2. If the Cardmember is on a direct debit arrangement with the Cardmember’s bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges.. 40445_AMEX_Cardmember Agreement_Company Card_Other Markets_03_2022 ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s behalf by debiting the Cardmember’s bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Charges as indicated in the Schedule of Fees and Charges. 3. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 4. All payments by the Cardmember to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 5. If payment from the Cardmember to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember has the said direct debit arrangement. The Cardmember shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the Cardmember. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 6. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 7. If the Cardmember pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement If the Cardmember is individually billed, the settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember or the Company must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember and the Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. 40445_AMEX_UAE_ American Express Corporate Card Cardmember Agreement Joint & Several Liability iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 2. If the Cardmember is billed either individually or centrally and the Company centrally settles the monthly statement with AEME directly, such settlement is governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the central monthly Statement of Account by the Company. The Company must contact AEME immediately if the Company does not receive the Statement of Account on the expected date. ii) The Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s billing currency. This may delay the credit to the Cardmember’s Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “Charge On Overdue Balance”. 23. If the Cardmember is on a direct debit arrangement with the Cardmember’s bank or with the Company’s bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s and the Company’s behalf by debiting the Cardmember’s or the Company’s bank account account, as the case may be, within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember or the Company will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s or the Company’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s or the Company’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Cardmember’s Card Charges are returned unpaid by the Cardmember’s or the Company’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Charges charges on overdue balance as indicated in the Schedule of Fees and Charges. 34. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount.. 40445_AMEX_UAE_ American Express Corporate Card Cardmember Agreement Joint & Several Liability 45. All payments by the Cardmember or the Company to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 56. If payment from the Cardmember or the Company to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember and the Company shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s and the Company’s sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember or the Company has the said direct debit arrangement. The Cardmember and the Company shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the CardmemberCardmember and the Company. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails and the Company fail to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges the Company agree and acknowledge that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember and the Company further agrees agree and undertakes undertake to indemnify AEME for any action whatsoever that may arise accordingly. 67. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 78. If the Cardmember or the Company pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement If the Cardmember is individually billed, the settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember or the Company must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember and the Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s 's billing currency. This may delay the credit to the Cardmember’s 's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s 's rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “"Charge On Overdue Balance”". 2. If the Cardmember is billed either individually or centrally and the Company centrally settles the monthly statement with AEME directly, such settlement is governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the central monthly Statement of Account by the Company. The Company must contact AEME immediately if the Company does not receive the Statement of Account on the expected date. ii) The Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember's billing currency. This may delay the credit to the Cardmember's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME's rights under this Agreement or under the law. iv) AEME may charge the Cardmember Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message "Charge On Overdue Balance". 3. If the Cardmember is on a direct debit arrangement with the Cardmember’s bank or with the Company’s bank, settlement of the monthly balances is governed by the following procedures: i) The financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The financial institution will automatically pay the Card Charges in full on the Cardmember’s and the Company's behalf by debiting the Cardmember’s or the Company's bank account account, as the case may be, within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said bank account to cover the amount due. iii) The Cardmember or the Company will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s or the Company’s financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s or the Company’s financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Cardmember’s Card Charges are returned unpaid by the Cardmember’s or the Company’s financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s 's rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s or Company’s financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Late Payment Charges as indicated in the Schedule of Fees and Charges. 34. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s 's records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 45. All payments by the Cardmember or the Company to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 56. If payment from the Cardmember or the Company to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember and the Company shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s and the Company's sole responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember or the Company has the said direct debit arrangement. The Cardmember and the Company shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the CardmemberCardmember and the Company. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember fails and the Company fail to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges the Company agree and acknowledge that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember and the Company further agrees agree and undertakes undertake to indemnify AEME for any action whatsoever that may arise accordingly. 67. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 78. If the Cardmember or the Company pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s account.

STATEMENTS OF ACCOUNTS. PAYMENTS 1. Settlement If the Cardmember is individually billed, the settlement of the Cardmember monthly balances are governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the Statement of Account. The Cardmember must contact AEME immediately if he or she does not receive the Statement of Account on the expected date. ii) The Cardmember must pay AEME in the his billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember’s 's billing currency. This may delay the credit to the Cardmember’s 's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME’s 's rights under this Agreement or under the law. iv) AEME may charge the Cardmember on Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message “"Charge On Overdue Balance”". 2. If the Cardmember is billed either individually or centrally and the Company centrally settles the monthly statement with AEME directly, such settlement is governed by the following procedures: i) All Charges are due for payment in FULL immediately on receipt of the central monthly Statement of Account by the Company. The Company must contact AEME immediately if the Company does not receive the Statement of Account on the expected date. ii) The Company must pay AEME in the billing currency. However, any payment made in another currency, if accepted by AEME, is converted into the Cardmember's billing currency. This may delay the credit to the Cardmember's Card Account and the Cardmember may be charged conversion costs or costs in collecting such payments from the bank. iii) AEME may, at its sole discretion, accept late or partial payment described as being payment in full or payment in settlement of a dispute. But in doing so, AEME does not waive or consent to vary any of AEME's rights under this Agreement or under the law. iv) AEME may charge the Cardmember Late Payment Charges on overdue balances monthly as specified in the Schedule of Fees and Charges. The said Charges will appear on the Statement of Account with the message "Charge On Overdue Balance". 3. If the Cardmember is on a direct debit arrangement with the Cardmember’s 's or Company's bank, settlement of the monthly balances is governed by the following procedures: i) The Cardmember's or Company's financial institution with which the direct debit arrangement is set up will be advised monthly by AEME of the total Card Charges. ii) The Cardmember's or Company's financial institution will automatically pay the Card Charges in full on the Cardmember’s 's or Company's behalf by debiting the Cardmember’s 's or Company's bank account within 20 days from the day the said bank receives the Card Summary of Charges, provided there are sufficient funds in the said Cardmember's or Company's bank account to cover the amount due. iii) The Cardmember or Company will receive, under separate cover, a monthly statement showing the Charges for which the Cardmember’s 's or Company's financial institution account will be debited. iv) According to the Agreement between AEME and the participating Card financial institutions, the Cardmember Card account may be automatically cancelled if the Card Charges are returned unpaid by the Cardmember’s 's or Company's financial institution and AEME reserves the right to levy a minimum Charge as specified in the Schedule of Fees and Charges for each Charge so returned unpaid. AEME shall not be liable for any direct or consequential loss or damage whatsoever that may arise as a result of such cancellation. v) If the Cardmember Card Charges are returned unpaid by the Cardmember’s 's or Company's financial institution, resulting in the cancellation of the Cardmember account, AEME may, at its discretion, accept late or partial payment described as being payment in full, or payment in settlement of a dispute. But in doing so, AEME does not waive, or consent to vary any of AEME’s 's rights under this Agreement or under the law. vi) If the Cardmember Card Charges are returned unpaid by the Cardmember’s 's or Company's financial institution resulting in the cancellation of the Cardmember Account, AEME may assess Overdue Balance Late Payment Charges as indicated in the Schedule of Fees and Charges. 34. If the Cardmember is the sole proprietor of a Service Establishment (according to AEME’s 's records), the Cardmember hereby authorizes AEME to stop payments made payable to the Cardmember or to his Service Establishment should the Card Account become overdue for any amount. 45. All payments by the Cardmember or Company to AEME shall be made net of any taxes, withholdings, fees, levies or other deductions. 56. If payment from the Cardmember or Company to AEME is made either by cheque or through a direct debit, AEME will charge the Card Account a fee as per the Schedule of Fees and Charges, if the cheque or direct debit is dishonored or not paid for any reason whatsoever, in addition to any other relevant costs that AEME may incur. The Cardmember or his Company shall be fully liable for all legal consequences of issuing a dishonored cheque, whether civil or criminal. It is the Cardmember’s sole 's or Company's responsibility to clear any issues and Charges related to direct debit directly with the bank with which the Cardmember or Company has the said direct debit arrangement. The Cardmember or Company shall also be liable for any costs which AEME may have to incur in recovering any overdue payments from the CardmemberCompany. This includes all legal fees and costs that AEME may incur in using any third parties, such as lawyers or collection agents, in addition to all costs which these third parties may incur while trying to recover any overdue or amounts outstanding on the Account on behalf of AEME. If the Cardmember or Company fails to make a payment in full, immediately upon receiving the Statement of Account, the Cardmember agrees and acknowledges Company agree and acknowledge that AEME may debit the Card Account with any of the abovementioned costs or fees. The Cardmember Company further agrees and undertakes to indemnify AEME for any action whatsoever that may arise accordingly. 67. The Cardmember undertakes to promptly notify AEME in writing of any change in billing address and contact numbers. The Cardmember also undertakes to provide AEME with copies of renewed or changed identification documents i.e.,Passport, CPR, Civil ID, Personal Identification Card, etc, as soon as there are any changes in any of them. 78. If the Cardmember or Company pays to AEME any amount which is in excess of the New Balance of the Card, AEME retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardmember’s 's or Company's account.