Common use of USING THE CARD Clause in Contracts

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelled f. Note that the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment is a significant owner of that Service Establishment. Not use the Card to fund working capital needs j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember l. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment due to a decline of a charge at a Service Establishment m. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of the Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it. b. Keep the PIN a secret and separate from the Card. c. Stay within the Credit Limit. d. Use the Card only within the expiry date printed on it. e. Not use the Card if it is damaged or cancelled. f. Note that the Card is Our property and must be returned when asked by Us. g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card. h. Not allow any other person to use the Card(s). i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and/or the Company is a significant owner of that Service Establishment. . j. Not use the Card to fund the working capital needsneeds of the Cardmember business. j. k. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment Company will be liable for all Transactions, fees and charges incurred on the Card. The Company is solely liable in the case of Company Liability Agreement. k. l. Note that the Cardmember/Company/Establishment Cardmember and/or the Company have to pay Us all amounts amount debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember. l. m. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge change at a Service Establishment. m. n. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / Cancellation/suspension of the Card without notice from Us. ii. Decrease in Credit the Card Limits without notice from Us. iii. Negative impact on the credit bureau record and ability to obtain new credit facilities. iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues. v. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and/or the Company due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment Cardmember and/or the Company due to the Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / loss/theft of the Card promptly. n. o. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of Sharia’. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to Sharia’. o. p. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Cardmember usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment Cardmember or Us, including but not limited to when the Cardmember/Company/ Establishment violate Cardmember violates Clause 33(o), without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/EstablishmentCardmember’s right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelled f. Note that the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. j. Not use the Card to fund the working capital needsneeds of the Cardmember business j. In the case of Joint and Several Liability Agreement, i. Note that the Cardmember and / or the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember; and l. ii. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge at a Service Establishment m. k. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in the Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and / or the Company due to fees and charges.; and vi. Financial losses to the Cardmember/Company/Establishment Cardmember and / or the Company due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / theft of the Card promptly n. l. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to Sharia. o. m. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Cardmember usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment Cardmember or Us, including but not limited to when the Cardmember/Company/ Establishment violate Cardmember violates Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Cardmember right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelled f. Note that the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. j. Not use the Card to fund the working capital needsneeds of the Cardmember business j. k. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment Company will be liable for all Transactions, fees and charges incurred on the Card. The Company is solely liable in the case of Company Liability Agreement k. l. Note that the Cardmember/Company/Establishment Cardmember and / or the Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember l. m. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge at a Service Establishment m. n. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in the Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and / or the Company due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment Cardmember and / or the Company due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / theft of the Card promptly n. o. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to Sharia.Xxxxx’a o. p. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Cardmember usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment Cardmember or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3Cardmember violates clause 3(o), without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Cardmember right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelledcancelled and retrievable medium paper, electronic or verbal verifiable and retrievable medium paper, electronic or verbal The Saudi Investment Bank American Express® Corporate Card issued to the Cardmember on a Corporate Card Account. f. Note that the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. Establishment the Card Any cash withdrawal made using the Card availed by means of presenting the Card at any American Express branch j. Not use the Card to fund the working capital needsneeds of the Cardmember business j. In the case of Joint and Several Liability Agreement, i. Note that the Cardmember and / or the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the CardmemberCardmember or office or partner institutions together with evidence of the Cardmember identity and after signing the necessary transaction record, affecting transactions at exchange houses, and using the Card to withdraw cash at any American Express authorized automatic teller machine (ATM) l. ii. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge at a Service Establishment m. iii. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of the Card promptly n. Not to re-sell or return A fixed fee levied for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to Cards if the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card is overdue for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.three

USING THE CARD. The Cardmember shall: a. Sign on the back of You must sign the Card in ink as soon as you receive it (and ensure that the Additional Cardmember receives it b. Keep the signs his/her Card); keep any PIN a secret and separate from your Card; stay within your Credit Limit (the Card c. Stay within the Credit Limit d. Use amount of which will be determined by us from time to time and shown on your statement); use the Card only within the expiry date printed period embossed on it e. Not ; and not use the Card if after it is damaged has been damaged, withdrawn or cancelled. f. Note that b. Although you use the Card, it will, at all times, remain our property. This means you must give the Card is Our property and must be returned when asked by Us g. Note that a back if we ask you to do so. A Service Establishment or any other person acting for or on Our our behalf can also retain keep the CardCard on our behalf. h. Not c. You must not allow anyone other than yourself or any other person Additional Cardmember to use the Card(s) or the PIN(s). i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment is a significant owner of that Service Establishment. Not d. If you use the Card to buy insurance, you empower us to pay the premiums on your behalf and you undertake to repay us accordingly. You must tell the insurer in writing if you wish to stop making payments and advise us with a copy of the same. We shall not be responsible for cancellation of any policy resulting from our inability to pay a premium because of insufficient credit in your Account. e. No Service Establishment owner who is a Cardmember/Additional Cardmember is allowed to use his/her Cards in his/her own Service Establishment. You are not allowed to utilize the Card to fund any part of, or to meet the working capital needsrequirements of your business. j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment f. You will be liable for all Transactions, fees and charges incurred on the CardCard issued to you and on any Additional Cards issued on your Account. The Additional Cardmember is jointly and severally liable with you for all charges incurred on the Additional Card issued to him/her. k. Note that the Cardmember/Company/Establishment have to g. You will pay Us Amex (Saudi Arabia) Ltd. all amounts debited to the your Account even if regardless of whether a sale or Cash Withdrawal cash advance voucher is not signed by the Cardmemberyou or additional cardmember. l. Note that we will not h. Amex (Saudi Arabia) Ltd. shall be liable for under no liability whatsoever in respect of any loss or damage (direct arising directly or indirect) suffered by the Cardmember/Company/Establishment due to a indirectly out of decline of a charge at by a Service Establishment m. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of the Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit LimitLimit Authenticated Communication Any instructions received by You through recorded, verifi- able, and retrievable medium paper, electronic or verbal verifiable and retrievable medium paper, electronic or verbal d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelled f. Note that the Card is Our property and must be returned when asked by UsUs Card The American Express Corporate Card issued to the Card- member on a Corporate Card Account. Cardmember The person who has been nominated by the Company to hold the Card Cash Withdrawals Any cash withdrawal made using the Card availed by means of presenting the Card at any American Express branch or office or partner institutions together with evidence of the Cardmember identity and after signing the necessary transaction record, affecting transactions at exchange houses, and using the Card to withdraw cash at any American Express authorized automatic teller machine (ATM) Collection Fee A fixed fee levied for Cards if the Account is overdue for three (3) months or more Company The company, business or firm in whose name an Account is held with Us and who has authorized the issuance of the Card to the Cardmember Credit Limit The maximum amount the Cardmember can owe Us on the Account g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. j. Not use the Card to fund the working capital needsneeds of the Cardmember business j. k. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment Company will be liable for all Transactions, fees and charges incurred on the Card. The Company is solely liable in the case of Company Liability Agreement k. l. Note that the Cardmember/Company/Establishment Cardmember and / or the Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember l. m. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge at a Service Establishment m. n. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in the Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilitiesfacilities Charity Organizations Charity licensed and registered in Saudi Arabia selected by Us and/or the Xxxxx’a Board iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s duesdues Current Balance The total closing balance on the monthly Statement of the Account v. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and / or the Company due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment Cardmember and / or the Company due to Payment Due Date The date shown on the monthly Statement for the Ac- count which mentions the date by which the Current Balance needs to be paid PIN The Personal Identification Number given to the Card- member to use with the Card Replacement Card Card specially issued in case of loss, theft, damage and non-receipt by the Cardmember Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / theft of the Card promptly n. o. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are Service Establish- ments Settlement Ac- count Retail and other outlets that accept the Card in payment for goods and services A central account to which all of the Cardmember Trans- actions will be transferred on the Cardmember Statement date in the event that the Company opted for a centrally settled corporate card program prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to Sharia.Xxxxx’a o. p. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Cardmember usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment Cardmember or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3Cardmember violates clause 3(o), without giving any reason or notice, without liability to Us Xxxxx’a Board Our Xxxxx’a supervisory board, responsible for providing Xxxxx’a opinion on, and certifying, the American Express Card products Statement A monthly record of all Cardmember Transactions on the Account including but not limited to purchases of goods and services, Cash Withdrawals, fees and charges, re- funds and other debits and credits as per this Agreement. The Statement will also include the Current Balance and Payment Due Date Transaction Any payment made for goods or services or Cash With- drawals obtained by using the Card and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Cardmember right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall:: KYC Know Your Customer. Xxxxxxxx Xxxxxx Profit margin charged when settling the unpaid portion of the Current Balance of the Corporate Card Account through the sales proceeds of a Tawarruq Transaction. Payment Due Date The date shown on the monthly Statement for the Account which mentions the date by which the Current Balance needs to be paid. PIN The personal identification number given to the Cardmem- ber to use with the Card. a. Sign on the back of the Card in ink as soon as the Cardmember receives it. b. Keep the PIN a secret and separate from the Card. c. Stay within the Credit Limit. d. Use the Card only within the expiry date printed on it. e. Not use the Card if it is damaged or cancelled. f. Note that the Card is Our property and must be returned when asked by Us. g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card. h. Not allow any other person to use the Card(s). i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and/or the Company is a significant owner of that Service Establishment. . j. Not use the Card to fund the working capital needsneeds of the Cardmember business. j. k. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment Company will be liable for all Transactions, fees and charges incurred on the Card. The Company is solely liable in the case of Company Liability Agreement. k. l. Note that the Cardmember/Company/Establishment Cardmember and/or the Company have to pay Us all amounts amount debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember. l. m. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge change at a Service Establishment. m. n. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / Cancellation/suspension of the Card without notice from Us. ii. Decrease in Credit the Card Limits without notice from Us. iii. Negative impact on the credit bureau record and ability to obtain new credit facilities. iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues. v. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and/or the Company due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment Cardmember and/or the Company due to the Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / loss/theft of the Card promptly. n. o. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of Sharia’. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to Sharia’. o. p. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Cardmember usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment Cardmember or Us, including but not limited to when the Cardmember/Company/ Establishment violate Cardmember violates Clause 33(o), without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/EstablishmentCardmember’s right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelledcancelled Account Any account maintained by American Express Saudi Arabia in relation to the Cardmember Card Administrative Fee A fixed monthly fee charged against availing of the Card and the services offered thereunder Annual Fee A fixed annual fee charged against issuance and renewal of Cards Card The Saudi Investment Bank American Express® Corporate Card issued to the Cardmember on a Corporate Card Ac- count. Cardmember The person who has been nominated by the Company to hold the Card Cash With- drawals Any cash withdrawal made using the Card availed by means of presenting the Card at any American Express branch or office or partner institutions together with evidence of the Cardmember identity and after signing the necessary transac- tion record, affecting transactions at exchange houses, and using the Card to withdraw cash at any American Express authorized automatic teller machine (ATM) Collection Fee A fixed fee levied for Cards if the Account is overdue for three (3) months or more Company The company, business or firm in whose name an Account is held with Us and who has authorized the issue of the Card to the Cardmember Credit Limit The maximum amount the Cardmember can owe Us on the Account Current Bal- ance The total closing balance on the monthly Statement of the Account Payment Due Date The date shown on the monthly Statement for the Account which mentions the date by which the Current Balance needs to be paid PIN The Personal Identification Number given to the Cardmember to use with the Card Replacement Card Card specially issued in case of loss, theft, damage and non- receipt by the Cardmember Service Estab- lishments Retail and other outlets that accept the Card in payment for goods and services Settlement Account A central account to which all of the Cardmember Transac- tions will be transferred on the Cardmember Statement date Xxxxx’a Board Our Xxxxx’a supervisory board, responsible for providing Xxxxx’a opinion on, and certifying, the American Express Card products Statement A monthly record of all Cardmember Transactions on the Account including but not limited to purchases of goods and services, Cash Withdrawals, fees and charges, refunds and other debits and credits as per this Agreement. The State- ment will also include the Current Balance and Payment Due Date Transaction Any payment made for goods or services or Cash Withdraw- als obtained by using the Card Unauthorized Transaction Any Transaction made by someone who used the Card with- out the Cardmember permission We, Us, Our American Express Saudi Arabia or its successors f. Note that the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. j. Not use the Card to fund the working capital needsneeds of the Cardmember business j. In the case of Joint and Several Liability Agreement, i. Note that the Cardmember and / or the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember l. ii. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge at a Service Establishment m. iii. Note that non-compliance with the provisions of this Agreement may result in: i. iv. Cancellation / suspension of the Card without notice from Us ii. v. Decrease in the Credit Limits without notice from Us iiivi. Negative impact on the credit bureau record and ability to obtain new credit facilities ivvii. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. viii. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and / or the Company due to fees and charges. viix. Financial losses to the Cardmember/Company/Establishment Cardmember and / or the Company due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / theft of the Card promptly n. k. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to Sharia.Xxxxx’a o. l. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Cardmember usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment Cardmember or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3Cardmember violates clause 3(o), without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Cardmember right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shallPlease note the following: a. Sign on the back of the Card in ink as soon as You receive it and ensure the Cardmember receives itsame for any Supplementary Cardmember(s) b. Keep the Your PIN a secret and separate from the Your Card c. Stay within the Your Credit Limit d. Use the Your Card only within the expiry date printed on it e. Not Do not use the Card if it is damaged or cancelled f. Note that the Card is Our property and You must be returned return it when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not Do not allow any other person to use Your Card(s) and ensure the Card(ssame for any Supplementary Cardmember(s) i. Not Do not use the Your Card at a Service Establishment if the Cardmember/ Company/Establishment is You are a significant owner of that Service Establishment. Not j. Do not use the Your Card to fund the working capital needsneeds of Your business j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment k. Note that You will be liable for all Transactions, fees and charges incurred on the CardYour Card and on any Cards issued under Your Account to Supplementary Cardmember(s) k. l. Note that the Cardmember/Company/Establishment Your Supplementary Cardmember will also be liable along with You for all Transactions, fees and charges incurred on their Cards m. Note that You have to pay Us all amounts debited to the Your Account even if a sale or Cash Withdrawal voucher is not signed by the You or by Your Supplementary Cardmember l. n. Note that we We will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment You or Your Supplementary Cardmember(s) due to a decline of a charge at a Service Establishment m. o. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Your Card / Supplementary Cardmembers’ Cards without notice from Us ii. Decrease in Your Credit Limits without notice from Us iii. Negative impact on the Your credit bureau record and Your ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s Your dues v. Increased financial burden on the Cardmember/Company/ Establishment You due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment You due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Your failure to report loss / theft of the Your Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes p. You undertake to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment You shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to ShariaXxxxx’a. o. q. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Your usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment You or Us, including but not limited to when the Cardmember/Company/ Establishment You violate Clause 3clause 3(p), without giving any reason or notice, without liability to Us and whether or not the Your Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Your right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shall: a. Sign on the back of You must sign the Card in ink as soon as you receive it (and ensure that the Additional Cardmember receives it b. Keep the signs his/her Card); keep any PIN a secret and separate from your Card; stay within your Credit Limit (the Card c. Stay within the Credit Limit d. Use amount of which will be determined by us from time to time and shown on your; use the Card only within the expiry date printed period embossed on it e. Not ; and not use the Card if after it is damaged has been damaged, withdrawn or cancelled. f. Note that b. Although you use the Card, it will, at all times, remain our property. This means you must give the Card is Our property and must be returned when asked by Us g. Note that a back if we ask you to do so. A Service Establishment or any other person acting for or on Our our behalf can also retain keep the CardCard on our behalf. h. Not c. You must not allow anyone other than yourself or any other person Additional Cardmember to use the Card(s) or the PIN(s). i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment is a significant owner of that Service Establishment. Not d. If you use the Card to buy insurance, you empower us to pay the premiums on your behalf and you undertake to repay us accordingly. You must tell the insurer in writing if you wish to stop making payments and advise us with a copy of the same. We shall not be responsible for cancellation of any policy resulting from our inability to pay a premium because of insufficient credit in your Account. e. No Service Establishment owner who is a Cardmember/Additional Cardmember is allowed to use his/her Cards in his/her own Service Establishment. You are not allowed to utilize the Card to fund any part of or to meet the working capital needsrequirements of your business. j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment f. You will be liable for all Transactions, fees and charges incurred on the CardCard issued to him/her and on any Additional Cards issued on your Account. The Additional Cardmember is jointly and severally liable with you for all charges incurred on the Additional Card issued to him/her. k. Note that the Cardmember/Company/Establishment have g. You will pay to pay Us Amex (Saudi Arabia) Ltd. all amounts to be debited to the Account even if regardless of whether a sale or Cash Withdrawal cash advance voucher is not signed by the Cardmemberyou or additional cardmember. l. Note that we will not h. Amex (Saudi Arabia) Ltd. shall be liable for under no liability whatsoever in respect of any loss or damage (direct arising directly or indirect) suffered by the Cardmember/Company/Establishment due to a indirectly out of decline of a charge at by a Service Establishment m. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of the Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shallPlease note the following: a. Sign on the back of the Card in ink as soon as You receive it and ensure the Cardmember receives itsame for any Supplementary Cardmember(s) b. Keep the Your PIN a secret and separate from the Your Card c. Stay within the Your Credit Limit d. Use the Your Card only within the expiry date printed on it e. Not Do not use the Card if it is damaged or cancelled f. Note that the Card is Our property and You must be returned return it when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not Do not allow any other person to use Your Card(s) and ensure the Card(ssame for any Supplementary Cardmember(s) i. Not Do not use the Your Card at a Service Establishment if the Cardmember/ Company/Establishment is You are a significant owner of that Service Establishment. Not j. Do not use the Your Card to fund the working capital needsneeds of Your business j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment k. Note that You will be liable for all Transactions, fees and charges incurred on the CardYour Card and on any Cards issued under Your Account to Supplementary Cardmember(s) k. l. Note that the Cardmember/Company/Establishment Your Supplementary Cardmember will also be liable along with You for all Transactions, fees and charges incurred on their Cards m. Note that You have to pay Us all amounts debited to the Your Account even if a sale or Cash Withdrawal voucher is not signed by the You or by Your Supplementary Cardmember l. n. Note that we We will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment You or Your Supplementary Cardmember(s) due to a decline of a charge at a Service Establishment m. o. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Your Card / Supplementary Cardmembers’ Cards without notice from Us ii. Decrease in Your Credit Limits without notice from Us iii. Negative impact on the Your credit bureau record and Your ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s Your dues v. Increased financial burden on the Cardmember/Company/ Establishment You due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment You due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Your failure to report loss / theft of the Your Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes p. You undertake to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment You shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to ShariaXxxxx’a. o. q. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Your usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment You or Us, including but not limited to when the Cardmember/Company/ Establishment You violate Clause 3clause 3(p), without giving any reason or notice, without liability to Us and whether or not the Your Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Your right to use the Card and refuse to authorize any Transaction r. Priority pass and Boingo are granted at the sole discretion of American Express Saudi Arabia. s. American Express Saudi Arabia reserves the right to remove those benefits or ask Cardmembers to maintain a minimum spend threshold to qualify for these benefits

USING THE CARD. The Cardmember shallPlease note the following: a. Sign on the back of the Card in ink as soon as You receive it and ensure the Cardmember receives itsame for any Supplementary Cardmember(s) b. Keep the Your PIN a secret and separate from the Your Card c. Stay within the Your Credit Limit d. Use the Your Card only within the expiry date printed on it e. Not Do not use the Card if it is damaged or cancelled f. Note that the Card is Our property and You must be returned return it when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not Do not allow any other person to use Your Card(s) and ensure the Card(ssame for any Supplementary Cardmember(s) i. Not Do not use the Your Card at a Service Establishment if the Cardmember/ Company/Establishment is You are a significant owner of that Service Establishment. Not j. Do not use the Your Card to fund the working capital needsneeds of Your business j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment k. Note that You will be liable for all Transactions, fees and charges incurred on the CardYour Card and on any Cards issued under Your Account to Supplementary Cardmember(s) k. l. Note that the Cardmember/Company/Establishment Your Supplementary Cardmember will also be liable along with You for all Transactions, fees and charges incurred on their Cards m. Note that You have to pay Us all amounts debited to the Your Account even if a sale or Cash Withdrawal voucher is not signed by the You or by Your Supplementary Cardmember l. n. Note that we We will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment You or Your Supplementary Cardmember(s) due to a decline of a charge at a Service Establishment m. o. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / Cancellation/suspension of the Card Your Card/Supplementary Cardmembers’ Cards without notice from Us ii. Decrease in Your Credit Limits without notice from Us iii. Negative impact on the Your credit bureau record and Your ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s Your dues v. Increased financial burden on the Cardmember/Company/ Establishment You due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment You due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Your failure to report loss / loss/theft of the Your Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes p. You undertake to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment You shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to ShariaXxxxx’a. o. q. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Your usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment You or Us, including but not limited to when the Cardmember/Company/ Establishment You violate Clause 3clause 3(p), without giving any reason or notice, without liability to Us and whether or not the Your Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Your right to use the Card and refuse to authorize any Transaction r. Priority pass and Boingo are granted at the sole discretion of American Express Saudi Arabia. s. American Express Saudi Arabia reserves the right to remove those benefits or ask Cardmembers to maintain a minimum spend threshold to qualify for these benefits

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not use the Card if it is damaged or cancelled f. Note that the Card is Our property and must be returned when asked by UsUs Authenticated Communication Card verifiable, and retrievable medium paper, electronic or verbal verifiable and retrievable medium paper, electronic or verbal The Saudi Investment Bank American Express® Corporate Card issued to the Cardmember on a Corporate Card Account. g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. j. Not use the Card to fund the working capital needsneeds of the Cardmember business Cardmember Cash Withdrawals The person who has been nominated by the Company to hold the Card Any cash withdrawal made using the Card availed by means of presenting the Card at any American Express branch or office or partner institutions together with evidence of the Cardmember identity and after signing the necessary transaction record, affecting transactions at exchange houses, and using the Card to withdraw cash at any American Express authorized automatic teller machine (ATM) j. In the case of Joint and Several Liability Agreement, i. Note that the Cardmember and / or the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember l. ii. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment Cardmember or the Company due to a decline of a charge at a Service Establishment m. iii. Note that non-compliance with the provisions of this Agreement may result in: i. 1. Cancellation / suspension of the Card without notice from Us ii2. Decrease in the Credit Limits without notice from UsUs Collection Fee A fixed fee levied for Cards if the Account is overdue for three (3) months or more The company, business or firm in whose name an Account iii3. Negative impact on the credit bureau record and ability to obtain new credit facilities iv4. Litigation in the event of non-payment of the Cardmember Company/Establishment’s duesdues Company is held with Us and who has authorized the issue of the Card to the Cardmember v. 5. Increased financial burden on the Cardmember/Company/ Establishment Cardmember and / or the Company due to fees and charges.charges Account Credit Limit The maximum amount the Cardmember can owe Us on the vi6. Financial losses to the Cardmember/Company/Establishment Cardmember and / or the Company due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Cardmember failure to report loss / theft of the Card promptlypromptly Charity Organizations Charity licensed and registered in Saudi Arabia selected by Us and/or the Xxxxx’a Board n. k. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account Account, if the Service Establishment permits such returns. The Cardmember/Company/Establishment Account Current Balance The total closing balance on the monthly Statement of the Cardmember undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral Payment Due Date The date shown on the monthly Statement for the Account which mentions the date by which the Current Balance needs to be paid purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment Cardmember shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant PIN The Personal Identification Number given to Sharia.the Cardmember to use with the Card to Xxxxx’a o. l. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Replacement Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.Service Establishments

USING THE CARD. 4.1 The Cardmember shall: a. Sign on Account Holder agrees that they will use the back Mobilcard only in accordance with this Agreement and will guarantee the observance of the Card in ink terms and conditions of this Agreement by all its Cardholders and indemnify Mobil for any loss caused by any of its Cardholders as soon as a result of breach of the Cardmember receives itterms and conditions of this Agreement. b. Keep the PIN a secret and separate from the Card c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on it e. Not 4.2 Any Cardholder may use the Card if it is damaged Mobilcard for the purchase of Products and Other Goods from Authorised Dealers, subject to the validity of the Mobilcard, purchase restrictions and clause 4.7 4.3 Mobilcard purchases are charged at either Mobilcard Price or cancelled f. Note that those which are charged at the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain relevant Authorised Dealer. Company may, at its discretion, discount the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment is a significant owner of that Service Establishment. Not use the Card to fund working capital needs j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment have to pay Us all amounts debited Mobilcard Price to the Account even if a sale Holder and may vary such discount, from time to time. 4.4 The Cardholder must comply with all Card Limits for all purchases at all times. The Cardholder must not directly or Cash Withdrawal voucher indirectly do or permit (by act or omission) anything 4.5 Where the Cardholder, in any transaction, fails after three attempts to properly enter the PIN and gain online authorisation, no purchase will be made by that Cardholder with that card. 4.6 Customer Card Limits apply to all transactions. Transactions that are processed manually are subject to additional authorisation from Mobil. 4.7 It is not signed the Account Holder’s responsibility to advise all their Cardholders of the Products and Other Goods and any purchase restrictions which Mobil and Account Holder have agreed may be purchased on the Mobilcard. 4.8 It is the Cardholder’s responsibility to check that all details on the Authorised Dealer receipt are correct and retain the receipt for the purposes of the Account Holder’s own record and reconciliation requirements. 4.9 Upon the cancellation, termination or expiry of individual Mobilcards or the Mobilcard Account by the Cardmember l. Note that we Account Holder or Company, the Account Holder will not be liable for any loss or damage (direct or indirect) suffered immediately destroy all issued Mobilcards and all amounts outstanding and owing to the Company by the Cardmember/Company/Establishment Account Holder shall become immediately due and payable to a decline of a charge at a Service Establishment m. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of the Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and Company whether or not the Credit Limit has been reacheddemand is made. No purchases shall be made using a Mobilcard after its cancellation, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transactionexpiry or termination.

USING THE CARD. The Cardmember shall: a. Sign on the back of You must sign the Card in ink as soon as you receive it (and ensure that the Additional Cardmember receives it b. Keep the signs his/her Card); keep any PIN a secret and separate from your Card; stay within your Credit Limit (the Card c. Stay within the Credit Limit d. Use amount of which will be determined by us from time to time and shown on your statement; use the Card only within the expiry date printed period embossed on it e. Not ; and not use the Card if after it is damaged has been damaged, withdrawn or cancelled. f. Note that b. Although you use the Card, it will, at all times, remain our property. This means you must give the Card is Our property and must be returned when asked by Us g. Note that a back if we ask you to do so. A Service Establishment or any other person acting for or on Our our behalf can also retain keep the CardCard on our behalf. h. Not c. You must not allow anyone other than yourself or any other person Additional Cardmember to use the Card(s) or the PIN(s). i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment is a significant owner of that Service Establishment. Not d. If you use the Card to buy insurance, you empower us to pay the premiums on your behalf and you undertake to repay us accordingly. You must tell the insurer in writing if you wish to stop making payments and advise us with a copy of the same. We shall not be responsible for cancellation of any policy resulting from our inability to pay a premium because of insufficient credit in your Account. e. No Service Establishment owner who is a Cardmember/Additional Cardmember is allowed to use his/her Cards in his/her own Service Establishment. You are not allowed to utilize the Card to fund any part of, or to meet the working capital needsrequirements of your business. j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment f. You will be liable for all Transactions, fees and charges incurred on the CardCard issued to him/her and on any Additional Cards issued on your Account. The Additional Cardmember is jointly and severally liable with you for all charges incurred on the Additional Card issued to him/her. k. Note that the Cardmember/Company/Establishment have to g. You will pay Us Amex (Saudi Arabia) Ltd. all amounts debited to the your Account even if regardless of whether a sale or Cash Withdrawal cash advance voucher is not signed by the Cardmemberyou or additional cardmember . l. Note that we will not h. Amex (Saudi Arabia) Ltd. shall be liable for under no liability whatsoever in respect of any loss or damage (direct arising directly or indirect) suffered by the Cardmember/Company/Establishment due to a indirectly out of decline of a charge at by a Service Establishment m. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s dues v. Increased financial burden on the Cardmember/Company/ Establishment due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of the Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.

USING THE CARD. The Cardmember shallPlease note the following: a. Sign on the back of the Card in ink as soon as You receive it and ensure the Cardmember receives itsame for any Supplementary Cardmember(s) b. Keep the Your PIN a secret and separate from the Your Card c. Stay within the Your Credit Limit d. Use the Your Card only within the expiry date printed on it e. Not Do not use the Card if it is damaged or cancelled f. Note that the Card is Our property and You must be returned return it when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not Do not allow any other person to use Your Card(s) and ensure the Card(ssame for any Supplementary Cardmember(s) i. Not Do not use the Your Card at a Service Establishment if the Cardmember/ Company/Establishment is You are a significant owner of that Service Establishment. Not j. Do not use the Your Card to fund the working capital needsneeds of Your business j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment k. Note that You will be liable for all Transactions, fees and charges incurred on the CardYour Card and on any Cards issued under Your Account to Supplementary Cardmember(s) k. l. Note that the Cardmember/Company/Establishment Your Supplementary Cardmember will also be liable along with You for all Transactions, fees and charges incurred on their Cards m. Note that You have to pay Us all amounts debited to the Your Account even if a sale or Cash Withdrawal voucher is not signed by the You or by Your Supplementary Cardmember l. n. Note that we We will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment You or Your Supplementary Cardmember(s) due to a decline of a charge at a Service Establishment m. o. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Your Card / Supplementary Cardmembers’ Cards without notice from Us ii. Decrease in Your Credit Limits without notice from Us iii. Negative impact on the Your credit bureau record and Your ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s Your dues v. Increased financial burden on the Cardmember/Company/ Establishment You due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment You due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Your failure to report loss / theft of the Your Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes p. You undertake to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment You shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to ShariaXxxxx’x. o. q. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Your usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment You or Us, including but not limited to when the Cardmember/Company/ Establishment You violate Clause 3clause 3(p), without giving any reason or notice, without liability to Us and whether or not the Your Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Your right to use the Card and refuse to authorize any Transaction r. Priority pass and Boingo are granted at the sole discretion of American Express (Saudi Arabia). s. American Express (Saudi Arabia) reserves the right to remove those benefits or ask Cardmemebrs to maintain a minimum spend threshold to qualify for these benefits

USING THE CARD. The Cardmember shallPlease note the following: a. Sign on the back of the Card in ink as soon as You receive it and ensure the Cardmember receives itsame for any Supplementary Cardmember(s) b. Keep the Your PIN a secret and separate from the Your Card c. Stay within the Your Credit Limit d. Use the Your Card only within the expiry date printed on it e. Not Do not use the Card if it is damaged or cancelled f. Note that the Card is Our property and You must be returned return it when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also retain the Card h. Not Do not allow any other person to use Your Card(s) and ensure the Card(ssame for any Supplementary Cardmember(s) i. Not Do not use the Your Card at a Service Establishment if the Cardmember/ Company/Establishment is You are a significant owner of that Service Establishment. Not j. Do not use the Your Card to fund the working capital needsneeds of Your business j. In the case of Joint and Several Liability Agreement, the Cardmember and the Company/ Establishment k. Note that You will be liable for all Transactions, fees and charges incurred on the CardYour Card and on any Cards issued under Your Account to Supplementary Cardmember(s) k. l. Note that the Cardmember/Company/Establishment Your Supplementary Cardmember will also be liable along with You for all Transactions, fees and charges incurred on their Cards m. Note that You have to pay Us all amounts debited to the Your Account even if a sale or Cash Withdrawal voucher is not signed by the You or by Your Supplementary Cardmember l. n. Note that we We will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment You or Your Supplementary Cardmember(s) due to a decline of a charge at a Service Establishment m. o. Note that non-compliance with the provisions of this Agreement may result in: i. Cancellation / suspension of the Your Card / Supplementary Cardmembers’ Cards without notice from Us ii. Decrease in Your Credit Limits without notice from Us iii. Negative impact on the Your credit bureau record and Your ability to obtain new credit facilities iv. Litigation in the event of non-payment of the Cardmember Company/Establishment’s Your dues v. Increased financial burden on the Cardmember/Company/ Establishment You due to fees and charges. vi. Financial losses to the Cardmember/Company/Establishment You due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s Your failure to report loss / theft of the Your Card promptly n. Not to re-sell or return for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes p. You undertake to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, pornography or other illegal activities, are prohibited under the principles of ShariaXxxxx’a. The Cardmember/Company/Establishment You shall ensure that the Card is not utilized for Transactions which are contrary, offensive, offensive or repugnant to ShariaXxxxx’x. o. q. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s Your usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment You or Us, including but not limited to when the Cardmember/Company/ Establishment You violate Clause 3clause 3(p), without giving any reason or notice, without liability to Us and whether or not the Your Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s Your right to use the Card and refuse to authorize any Transaction r. Priority pass and Boingo are granted at the sole discretion of American Express Saudi Arabia. s. American Express Saudi Arabia reserves the right to remove those benefits or ask Cardmemebrs to maintain a minimum spend threshold to qualify for these benefits

USING THE CARD. The Cardmember shall: a. Sign on the back of the Card in ink as soon as the Cardmember receives it b. Keep the PIN a secret and separate from the CardCard A fixed monthly fee charged against availing of the Card and the services offered thereunder c. Stay within the Credit Limit d. Use the Card only within the expiry date printed on itit Cards Any instructions received by You through recorded, verifiable, e. Not use the Card if it is damaged or cancelled f. Note that the Card is Our property and must be returned when asked by Us g. Note that a Service Establishment or other person acting on Our behalf can also and retrievable medium paper, electronic or verbal verifiable and retrievable medium paper, electronic or verbal The Saudi Investment Bank American Express® Corporate Card issued to the Cardmember on a Corporate Card Account. retain the Card h. Not allow any other person to use the Card(s) i. Not use the Card at a Service Establishment if the Cardmember/ Company/Establishment Cardmember and / or the Company is a significant owner of that Service Establishment. j. Not use the Card to fund the working capital needsneeds of the Cardmember business the Card Any cash withdrawal made using the Card availed by means of presenting the Card at any American Express branch j. In the case of Joint and Several Liability Agreement, i. Note that the Cardmember and / or the Company/ Establishment will be liable for all Transactions, fees and charges incurred on the Card k. Note that the Cardmember/Company/Establishment Company have to pay Us all amounts debited to the Account even if a sale or Cash Withdrawal voucher is not signed by the Cardmember l. ii. Note that we will not be liable for any loss or damage (direct or indirect) suffered by the Cardmember/Company/Establishment due to a decline of a charge at a Service Establishment m. Note that non-compliance or office or partner institutions together with the provisions of this Agreement may result in: i. Cancellation / suspension of the Card without notice from Us ii. Decrease in Credit Limits without notice from Us iii. Negative impact on the credit bureau record and ability to obtain new credit facilities iv. Litigation in the event of non-payment evidence of the Cardmember Company/Establishment’s dues v. Increased financial burden on identity and after signing the Cardmember/Company/ Establishment due to fees necessary transaction record, affecting transactions at exchange houses, and charges. vi. Financial losses to the Cardmember/Company/Establishment due to Unauthorized Transactions due to the Cardmember/ Company/Establishment’s failure to report loss / theft of using the Card promptly n. Not to re-sell or return withdraw cash at any American Express authorized automatic teller machine (ATM) A fixed fee levied for cash refund any goods, tickets or services obtained with the Card. However, goods or tickets may be returned to a Service Establishment for credit to Cards if the Account if the Service Establishment permits such returns. The Cardmember/Company/Establishment undertakes to act in good faith at all times in relation to all dealings with the Card and with Us and not use the Card is overdue for any illegal or immoral purpose. Certain purchases of goods or services, such as alcohol, dealing in pork and pork related products, gambling, pornography, or other illegal activities, are prohibited under the principles of Sharia. The Cardmember/Company/Establishment shall ensure that the Card is not utilized for Transactions which are contrary, offensive, or repugnant to Sharia. o. We shall be entitled to, if at any time We in Our absolute discretion consider that the Cardmember/Company/ Establishment’s usage of the Card is inappropriate or of significant risk to the Cardmember/Company/Establishment or Us, including but not limited to when the Cardmember/Company/ Establishment violate Clause 3, without giving any reason or notice, without liability to Us and whether or not the Credit Limit has been reached, withdraw and restrict the Cardmember/ Company/Establishment’s right to use the Card and refuse to authorize any Transaction.three