Form to subscribe to “Al Ahly Net” online/via mobile phone (natural persons) Branch:______Date: ____/____/______Form to subscribe to Customer name: ______CIF: ______«Al Ahly Net» online/via mobile Nationality: ______National ID No.: ______phone (Outside Egypt) Expiry date: ____/____/______Customer address: ______For foreigners: Passport No.: ______Issue date: ____/____/_____ Expiry date: ____/____/______Gender: Male Female E-mail: ______@______Telephone No.: Home: ______Mobile: ______Office: ______Birth date: ____/_____/_____ Place of birth: ______Profession: ______Al Ahly Net subscription: Online Via mobile phone Service type: Inquiry Financial transactions across the customer’s accounts Operate all accounts Customer’s account numbers (credit/overdraft, saving) to be not linked to the service Account Number

Customer name: ______Customer signature: ______

All terms and conditions apply Al Ahly Net Online/Via Mobile Phone Services Operate all credit cards Terms and conditions Upon signing this application, the Customer can use “Al Ahly Net” online/ Customer’s credit cards to be not linked to the service via mobile phone services provided by the National Bank of Egypt (NBE) under the terms and conditions stated hereinafter. The provisions, terms and Card Number conditions of the account opening form and credit card application, and the conditions of NBE’s banking products used by the Customer shall also remain in full force and effect with respect to all transactions and the Customer’s relationship with the Bank. Article (1): Definitions The following words and expressions shall bear the meanings assigned to them hereinafter as follows: · “Bank” means the National Bank of Egypt (NBE) (S.A.E.) · “Customer” means the Customer of the National Bank of Egypt who holds Inquiry about loan balance an account/card. Inquire about time deposits/ saving certificates/ saving accounts · “Confidential Data” means all the data related to activating and using “Al Ahly Net” online/via mobile phone services, including but not limited to For NBE Credit Card holder Only user name, login password and/or Customer data and accounts. Please read carefully these terms and conditions before you fill in this Form Article (2): Service provision mechanism to subscribe to the Credit Card E-statement Service. Filling in and signing · Upon signing the subscription application to “Al Ahly Net” online/via mobile this Form shall be deemed an express agreement to subscribe to the phone services by the Customer, the Bank shall complete the procedures Service. Service provision shall be subject to these terms and conditions and, after verifying the Customer’s identity, provide the Customer with from time to time by Bank. a welcome letter containing the Customer’s user code (consisting of 8 Subscribe to the Credit Card E-Statement Service by digits) in addition to the Customer’s personal and financial information. The Customer shall also receive a login passcode on his/her mobile phone e-mail: Yes No recorded on the database. E-mail to receive · The Customer shall access electronic banking services via NBE website E-statements:______@______and enter the 8-digit user code and the login passcode received over the mobile phone. After the system verifies the data entered, the Customer is Receive E-statements for all my credit cards: requested to create a login password and answer the security questions. Credit cards linked to the E-statement Service The Customer can also change the 8-digit user name to an alias name which the Customer desires to use. · In case the Customer forgets the login password, the Customer shall Credit cards linked to the E-statement Service answer the security questions. After the system verifies the answers of the Customer’s security questions, a system-verifiable passcode is Card No. sent to the Customer’s mobile phone to be used by the Customer. If the Customer fails to enter the correct answers to the security questions or the passcode, the Customer will have to visit the branch or contact Al Ahly Phone service on 19623 to receive new login passcode on the Customer’s mobile phone number recorded on the database. The Customer then enters the login passcode, and after being verified by the system, the Customer is requested to create new login password. · If the Customer wishes to suspend “Al Ahly Net” online/via mobile phone services, the Customer shall call Al Ahly Phone on 19623 or visit the Do you want to receive paper statements of credit cards: Yes No nearest NBE branch. If the Customer wishes to re-activate the services, □ □ the Customer shall visit the nearest NBE branch to fill in a service re- The Customer shall bear all charges set by the Bank for printing and sending activation application form affixed with three signatures by the Customer the paper statement of account of the credit card. The Bank reserves the . right to amend such charges without any objection whatsoever by the Customer. Accordingly, the Customer hereby authorizes the Bank to post Article (3): Money transfer due charges to the Customer’s credit card. · The Customer may not make any financial transactions, instructions, If “Yes”, please fill in the following: operations and/or requests exceeding the Customer’s account balance. If the Customer does so, the Bank will promptly decline the financial Mailing address: ______transactions, instructions, operations or requests without any notification. Customer name: ______· All financial transactions, instructions, operations or requests made by the Customer shall be executed using the conversion and interest rates Customer signature: ______prevailing and applicable at the Bank on the actual execution date and at the cutoff-time set by the Bank’s management. · The Customer shall be held liable for all the transactions executed via the services and the payment of any amounts due to the Bank resulting from such usage. · Credit card payments made by the Customer using “Al Ahly Net” online/ · The Customer shall finally and irrevocably authorize the National Bank via mobile phone services within the official working hours are credited of Egypt to communicate and disclose all and/or part of the data related on the same day of payment. Payments made by the Customer after the to his/her account with the Bank to any third party at the Bank’s sole official working hours will be credited on the next business day following discretion in order to develop and facilitate all NBE’s banking activities the date of the Customer’s request. and/or provide the Customer with premium banking services including but · The Customer shall comply with all the rules and regulations issued by the not limited to all kinds of electronic banking services, sending statements Central Bank of Egypt (CBE) regarding banking transfers. of account, postal services and ATM services, etc., without the least liability on the Bank. · The Customer is solely responsible for the accuracy of the money transfer · The Customer declares that s/he accepts the full and complete liability for information including, but not limited to, the transferee’s name, account maintaining the confidential data and all necessary measures to maintain No., transfer amount, names of the bank and branch, etc. without any and not divulge such data to any person, bank employee or any other liability on the Bank. entity. · The Customer declares that in case s/he comes to the knowledge of the Article (4): Bill payment Customer that another person has access to his/her confidential data, the Customer shall promptly contact the Bank and request suspending · The Customer shall keep sufficient account balance to pay any bills on “Al Ahly Net” online/via mobile phone services so that the Bank can take their due dates. The Bank shall not be held liable for not paying bills on their the necessary action . If the Customer fails to do so, s/he will be held due dates because of insufficient balance in the Customer’s account. The responsible for any transactions/operations made on his/her account Customer shall bear sole responsibility in case of charging any interests which are unauthorized and verified using his/her confidential data and and/or default interests resulting from overdue payments. the Customer shall remain responsible for all instructions executed by · The Customer declares his/her sole liability for the correctness of data the Bank resulting from a request or inquiry made by any person not authorized to use the Confidential Data. The Bank shall not be responsible related to the bill payment feature, including but not limited to phone No., for any claim, loss, delay fees or expenses related to such instructions. amount, bill No., etc. without the least liability on NBE and the Customer · If the Customer’s mobile phone is lost or stolen, the Customer shall shall bear all the ensuing consequences as the Bank shall not verify the promptly notify the Bank in order to suspend “Al Ahly Net” services via correctness of such data. mobile phone. · The Customer declares that s/he shall be solely liable for safeguarding his/ Article (5): Service charges her mobile phone used for the service and the Bank shall not be held liable for disclosing any data/information sent to his/her mobile phone. · The Customer shall bear the charges (for subscription as well as banking · The Customer shall peruse the warnings and alerts published on the commissions resulting from using different electronic services) as website of “Al Ahly Net” online/via mobile phone services and comply specified and announced by the Bank from time to time. The Bank reserves with all the terms and conditions shown on the website of Al Ahly Net/via the right to amend such charges without any objection whatsoever by the the mobile phone, which shall be deemed legally binding to the Customer. Customer. Thus, the Customer shall hereby authorize the Bank to debit · The Customer shall peruse and comply with the security tips and any due charges from the Customer’s account(s) held with the Bank. instructions published on NBE’s electronic channels or official website. · The Customer shall abide by all safety standards as well as any other Article (6): Service availability security instructions issued by the Bank. The Customer agrees to peruse and review such standards and instructions on a regular basis. The · In case of service unavailability due to the failure of the systems operated Customer shall be held liable for ensuring the security level of the devices by the Bank or any specialized entities in contract with the Bank, the used for accessing the Bank’s electronic services. Bank shall undertake due diligence to restore the service within 4 hours. · The Customer expressly acknowledges, under this Agreement, the full Otherwise, the Bank shall communicate with the Customers to inform authenticity of the Bank’s automatically-generated outputs proving them of the time by which the service is expected to be restored. the banking instructions/operations made through the service by the · The Bank may, from time to time, amend, maintain or update “Al Ahly Customer. Net” online/via mobile phone services, which may require suspending the service for a certain period of time to be determined by the Bank. Article (8): Disclaimer In such case, the Bank shall not be liable for the Customer’s failure to use · Neither the Bank nor other specialized entities in contract with the Bank the electronic banking services and the Customer may not recourse on shall be held liable for any damages resulting from delay in sending/ the Bank for any claims during that period, given that such amendments, maintenance and/or update shall be announced on the service website. transferring the information, failure/error in receiving the information, loss · The Bank shall not be liable for any malfunction of “Al Ahly Net” online/ of information, incontrollable malfunction, emergencies (e.g. shortage, via mobile phone services due to any reason/event beyond its control and business interruption, strikes, force majeure, natural catastrophes, without any violation or negligence on the Bank’s part. The Bank shall not security gaps), measures taken by the State authorities, or any other also be held liable for any malfunction of the means of communication, events. The Bank shall not be liable for any damages to the Customer, computer virus and/or any related problem. technology or electronic equipment due to the occurrence of any of the foregoing events. Article (7):Liabilities and obligations · The Bank shall undertake due diligence to provide “Al Ahly Net” service · The Bank shall maintain all the data and information received from the online/via mobile phone and shall not be held liable for any failure in Customer in the course of providing “Al Ahly Net” online/via mobile phone providing the service partially or wholly due to any reason beyond the services as confidential. The Bank shall also maintain the confidentiality Bank’s control. The Bank neither assumes any responsibility nor provides of all the Customer’s transactions made via the service. Both the Bank any warranties or guarantees with respect to quality, speed, accuracy, and the Customer shall only disclose any of the above-mentioned data, etc. The Bank does not guarantee that the programs are free of errors or information or transactions under the applicable laws of the Arab Republic deficiencies and undertakes to handle any negative effects on the banking of Egypt and/or in execution of any binding judgments or orders or operations resulting therefrom. The Customer declares that the Bank may subject to the terms and conditions of “Al Ahly Net” online/via mobile not be held liable for the foregoing unless the Bank commits an act of phone services. violation or negligence. · The Customer declares that his/her mobile phone, NBE ID, login password and account number, are all means of identification of the Customer and that any transactions executed using such means shall be deemed to be executed by the Customer since such means shall constitute an electronic signature. The Bank shall consider any person using such means to be the Article (13): Miscellaneous Customer. The Customer shall be held liable for all transactions executed using his/her respective means of identification as well as for any change, · I agree and undertake to comply with the terms and conditions of the loss or transfer of any of such means of identification to a third party internet banking channels and services as stipulated in Al Ahly Net website until such time the Bank can suspend the service based on a request by in the present and future as amended. I further acknowledge that using the Customer. Since such services are provided online and/or via mobile the internet banking channel or service is conclusive evidence of having phone, NBE shall not be responsible for disclosing any account information read and agreed to the said terms and conditions without any objection whatsoever. as a result of any misuse on the part of the Customer or due to electronic · The Customer’s signature for subscribing to “Al Ahly Net” online/via mobile piracy. phone services and use of its functions shall be deemed a full approval of · If the Customer wishes to change his/her mobile phone number previously the above-mentioned conditions and an undertaking not to breach such entered into the Bank’s customer database, the Customer has to visit the conditions. These terms and conditions shall be supplementary and subject nearest NBE branch to fill in an information update application. to the terms and conditions or agreements concluded and signed or which Article (9): Copyrights and intellectual property rights will be subsequently signed by the Customer with NBE. The Bank shall not be held liable for any loss, damage, costs or expenses, of whatsoever · NBE’s logo is a trademark owned and registered by NBE. In general, NBE value or nature, incurred by the Customer due to breaching these terms has the right to acquire the possession of any trademarks pertaining to its and conditions. products/services. · No delay or failure to exercise any particular right, power or privilege by · The Customer agrees and acknowledges that s/he does not - and shall the Bank shall constitute a waiver of such right, power or privilege or any not - own any copyrights or any other intellectual property rights (IPRs) part thereof. Further, NBE’s exercise of such right, power or privilege shall as regards any of the programs, interfaces or documents granted by the not preclude any subsequent or further exercise thereof. Moreover, rights Bank to provide or improve electronic banking services. The Customer and judicial remedies provided by the law and order shall be mutually may not by his/herself , and shall not permit users or third parties, to copy reinforcing and complementary and do not exclude any other rights or or amend any of such programs, interfaces or documents provided by the judicial remedies stipulated by the law or order. Bank; or upload or transfer the electronic banking service program from/ · The Customer declares that all data and information stated in the to any other computer, phone, smart phone or similar electronic device. application form of “Al Ahly Net” online / via mobile phone services are If the Customer does not comply with the foregoing or fails to secure correct and the Customer shall be held liable if such data or information the programs and documents provided by the Bank as a service to the prove to be incorrect. Customer, the Bank may claim all necessary indemnities for the damages · The Customer shall be liable for the correctness of the information, data sustained by the Bank. and operations that s/he makes through the Bank’s networks as the sole · Copyrights of images, graphics, information, markings, texts, publicity materials, interfaces and webpages, including design of the pages of the user of “Al Ahly Net” online/via mobile phone services. The Customer site, are the property of the Bank and/or any other party referred to in further declares that the instructions, transactions and data entered shall the website pages and may not be used for any personal or commercial be processed without further check from the Bank, obtaining written purposes. advices and/or verifying the same. The Bank shall not be liable in any way towards the Customer if any erroneous data are entered into the Bank’s Article (10): Amendment of terms network. · The Bank reserves the right to amend the terms and conditions hereof · The Customer declares that if the Bank sends the Customer’s statements partially or wholly at any time with the Customer’s obligation to accept of account through any electronic channel as per the Customer’s request, such amendments through internet banking services. the Customer shall be liable for maintaining confidentiality of these statements, and the Bank shall not be liable for leakage of such statements. Article (11): Service termination The Bank shall not be liable for the failure to receive such statements of account by the Customer due to reasons beyond the Bank’s control and · The Customer may terminate his/her subscription to the electronic banking services at any time via a written termination notice sent to the the Customer may not claim any indemnities resulting therefrom. Bank. The Bank may – at its own discretion and without giving reasons · The Bank has the right to decline (without giving reasons) any application – terminate the Customer’s subscription to the said services at any time form submitted by the Customer to obtain “Al Ahly Net” online/via mobile subject to a prior notice. Such termination shall not exempt the Customer phone services. The Bank further has the right to decline any instructions, from any obligations with respect to the electronic banking services inquiries, transactions and/or operations received from the Customer carried out and shall pay any due fees up till the termination date. while using “Al Ahly Net” online/via mobile phone services and the

Customer may not object to the same. Article (12): Correspondence and notices · The Bank may, at any time according to its absolute discretion, suspend · Any notice, request or correspondence shall be sent to the Customer and/or limit the Customer’s use of any of the services of “Al Ahly Net” at his/her address held with the Bank. All Bank correspondence shall online/via mobile phone. be considered as delivered to the Customer once sent by ordinary or · The Customer undertakes that all transactions carried out via “Al Ahly Net” electronic mail or any specialized courier at the Customer’s latest address online/via mobile phone services are legal, for legitimate purposes, and held with the Bank, which shall constitute evidence of notification. In with unbanned persons and that the Customer is the real beneficiary of case the Customer changes his/her address held with the Bank, s/he shall the services. notify the Bank immediately of such change by a prior written notice. · The Customer authorizes the Bank to send alerts, advertisements, · If the Customer has any complaint regarding the service, s/he can instantly publicity materials, marketing campaigns related to the new products call Al Ahly Phone Service on 19623 or visit the nearest NBE branch and s/ using any electronic channel including but not limited to the internet, he shall receive a reply within five business days. e-mail and SMS and shall not deem this a violation of his/her privacy. · The Bank shall not be liable for failure to execute any of the transactions received via the system due to any reason beyond the Bank’s control. The Article (16): Credit Card E-statement Service Terms and Bank shall not also accept any amendments or cancellation of instructions Conditions or transactions previously sent by the Customer using “Al Ahly Net” 1. Definitions online/via mobile phone services which were already executed. The terms mentioned herein shall bear the meanings assigned to them as · Though the Bank uses all technological and security solutions to protect follows: the Customer and “Al Ahly Net” online/via mobile phone services against “Bank” means National Bank of Egypt (NBE), the card issuer, and its cyber risks and information crimes, the Bank shall not be liable for any successors and assignees, whose card center is located at 28 Corniche El Nil, damage that may be suffered by the Customer due to the risks of using Sama El Maadi Tower, El Maadi, Cairo, (Tel.: 25945000, Fax: 25244816, the internet. The Customer shall solely bear the responsibility of using “Al Telex: 20014 NBEUN, Al Ahly Phone Service: 19623). Ahly Net” online/via mobile phone services under this application form. “Card” means any (primary/supplementary) card issued by National Bank · The Customer shall be solely responsible for the use of any software and/ of Egypt as an international electronic payment card subject to VISA Inc. or hardware which may threaten the security and efficiency of using of or MasterCard Worldwide’s regulations on using electronic payment cards. “Al Ahly Net” online/via mobile phone services leading to disclosure of “Cardholder” is the primary or supplementary card holder. the Customer’s data, and the Customer shall be solely responsible for all “Primary Card Holder” is the person who signs the card issuance application consequences arising therefrom and the Bank disclaims any responsibility form, and to whom the Bank issues the primary card and opens the card in this respect. account in his/her name, and who adheres to all the terms and conditions · The Customer bears the responsibility for ensuring that his/her mobile of the card use. phone used in carrying out payments via “Al Ahly Net” online/via mobile “Supplementary Card Holder” is the person (at least 18 years old) for phone services is not compromised (jailbroken or rooted). whom the Bank issues, upon the request of the Primary Card Holder, the · The Customer agrees to indemnify the Bank against any type of losses or supplementary card in his/her name, and whose signature constitutes damages which the Bank may incur due to the Customer’s violation of any approval and compliance with all the terms and conditions of use. of the terms contemplated under this application form. “Service” means sending card E-statement by the Bank to the Cardholder · The Bank shall execute all instructions related to the service contemplated to his/her e-mail stated in the Service Subscription Form and registered under this application form and received through electronic banking with the Bank. services (including the internet and/or mobile phone) from the Customer 2. Service Provision Mechanism for operating the accounts and shall answer any inquiry posed by the Upon signing the Service Subscription Form and meeting other requirements Customer through the electronic banking services. The Bank shall further by the Customer, the Bank shall, after verifying the Customer’s identity, post to the Customer’s accounts any financial transactions executed send an e-mail to the Customer with a welcome letter showing the through the above-mentioned services. The Customer’s signature on procedure of using the passcode required for receiving the E-statement. these terms and conditions shall be deemed a declaration on his/her part 3. Service Use that s/he is aware of the limitations imposed on the use of the electronic The Bank shall execute all instructions related to the Service contemplated banking services and that the continuous uninterrupted provision of under this Form, i.e. send credit card E-statement to the E-mail stated in electronic banking services depends on the employed technology and the this Service Subscription Form. The Cardholder’s signature on these terms limitations. Consequently, the Customer hereby releases the Bank from and conditions shall be deemed a declaration on his/her part that s/he is any responsibility if the Customer is unable to use the service for any aware of the limitations imposed on the use of the Service and that the reason beyond the Bank’s control. continuous uninterrupted provision of the Service depends on the employed · The Bank’s books and records shall constitute a legally binding and technology and the relevant limitations. Consequently, the Cardholder conclusive evidence of the validity of the transactions and instructions. hereby releases the Bank from any responsibility if the Cardholder is unable · The Bank constantly develops its services and shall provide such services to use the Service for any reason beyond the Bank’s control. under terms and conditions as well as charges (if any) to be announced to The Bank may, from time to time, amend, maintain or update the Service, the customers, and the Customer’s electronic approval of such terms and which may require suspending the Service for a certain period of time or conditions shall be an integral part of this agreement. completely. In such case, the Bank shall not be liable for the Cardholder’s Article (14): Bill payment failure to use the Service and the Cardholder may not recourse on the Bank for any claims due to suspension of the Service. · The Bank may amend these terms and conditions wholly or partially The Bank reserves the right to decline, without giving reasons, the request without the Customer’s prior consent. The Bank shall notify the Customer of the Cardholder to subscribe to the Service or the instructions or inquiries of any amendment, via any means deemed appropriate by the Bank. made by the Cardholder. Such amendments made by the Bank to these terms and conditions shall The Cardholder shall be responsible for the correctness of the E-mail be deemed an integral part thereof without prior written consent with address stated by him/her in the Service Subscription Form and to which customer’s obligation to read warnings and notifications that are sent the card E-statement will be sent. from bank. The Bank’s records shall constitute a legally binding and conclusive evidence Article (15): Governing law and jurisdiction of the validity of the transactions and instructions related to the card. The Primary Card Holder may subscribe to the Service to receive · All terms and conditions herein shall be governed by the laws of the Arab E-statements of the primary card and/or the supplementary card(s). Republic of Egypt and related regulation and instructions and any dispute Subscription to the Service may be executed using a power of attorney if arising in relation to the construction, interpretation or execution thereof authorized under the power of attorney. shall be settled by Cairo courts of different types and levels or any other The Supplementary Card Holder may subscribe to the Service to receive court selected by the Bank. E-statements of the supplementary card only. · In case of discrepancy between the Arabic and English versions, the Arabic The Customer expressly acknowledges, by virtue of signing this Form, the version shall prevail. full authenticity of the Bank’s automatically-generated outputs proving the banking instructions/operations made through the Service by the Customer. 4. Service Charges 9. Correspondence and notices The Cardholder shall bear the charges for subscription to the Service. The Any notice, request or correspondence shall be sent to the Cardholder Bank reserves the right to amend such charges without any objection at his/her address held with the Bank. All the Bank correspondence shall whatsoever by the Cardholder. Accordingly, the Cardholder hereby be considered as delivered to the Cardholder once sent by ordinary or authorizes the Bank to post due charges to the Customer’s credit card. electronic mail or any specialized courier to the Cardholder’s latest address 5. Disclaimer held with the Bank, which shall constitute a binding evidence towards his/ If the Cardholder wishes to suspend the Service, the Cardholder shall visit her. In case the Cardholder changes his/her address held with the Bank, the nearest NBE branch or call Al Ahly Phone. If the Cardholder wishes to s/he shall notify the Bank of such change by no less than 30 days prior re-activate the Service, the Cardholder shall visit the nearest NBE branch written notice. The Customer shall peruse the warnings and alerts sent by to submit a written request affixed with three signatures by the Cardholder. the Bank. If the E-mail stated in the subscription form is lost or stolen, the Cardholder 10. Applicable law and jurisdiction shall promptly notify the Bank in order to suspend the Service and the Bank All terms and conditions herein shall be governed by the laws of the Arab shall only be held liable from the notification date. Republic of Egypt and any dispute arising in relation to the construction, If the Cardholder wishes to change his/her E-mail address stated in the interpretation or execution thereof shall be settled by Cairo courts of Subscription Form and which was entered into the Bank’s customer different types and levels or any other court selected by the Bank. database, the Cardholder has to visit the nearest NBE branch or call Al Ahly Phone. 6. Miscellaneous The Bank shall not be held liable for any loss, damage, costs or expenses, of For bank use only whatsoever value or nature, incurred by the Cardholder due to breaching All documents related to customer The parties were screened against these terms and conditions. information update were presented. sanctions and negative lists No delay or failure to exercise any particular right, power or privilege by the Bank shall constitute a waiver of such right, power or privilege or any Customer service officer part thereof. Further, NBE’s exercise of such right, power or privilege Applicable Not applicable shall not preclude any subsequent or further exercise thereof. Moreover, signature: ______rights and judicial remedies provided by the law and order shall be mutually reinforcing and complementary and do not exclude any other rights or Supervisor approval: ______Compliance officer: ______judicial remedies stipulated by the law or order. The Bank shall maintain all the data and information related to the Credit Branch seal: ______Signature: ______card E-statement Service as confidential. The Bank shall not be liable for any leakage of confidential data related to the Service due to malfunction Customer signature: Customer service officer signature: of the machines used by the Customer or use of insecure programs. The Customer acknowledges that the relevant Egyptian laws and the executive regulations thereof, and regulatory directives and rules shall ______govern the services provided by the Bank to its customers. In case of any complaints regarding the Service or failure to receive the E-statements, kindly contact NBE’s Call Center on 19623 and the complaint will be considered as per the respective procedure and you will receive a reply within five business days. These terms and conditions shall be complementary and supplementary to the terms and condition of card use and represent an integral part thereof, and shall be subject to the terms and conditions, or agreements concluded and signed, or will be subsequently concluded with NBE, by the Cardholder. The Cardholder acknowledges that s/he is the real beneficiary of the Service. 7. Amendment of terms and conditions The Bank reserves the right to amend these terms and conditions partially or wholly without the Cardholder’s prior consent. The Bank shall notify the Cardholder of any amendment, via any means deemed appropriate by the Bank. Such amendments made by the Bank to these terms and conditions shall be deemed an integral part thereof without the Cardholder’s prior written consent. 8. Service termination The Cardholder may terminate his/her subscription to the Service at any time via a written termination notice sent to the Bank. The Bank may – at its own discretion and without giving reasons – terminate the Cardholder’s subscription to the said Service at any time subject to a prior notice. Such termination shall not exempt the Cardholder from any obligations with respect to the Service carried out up till the termination date.