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YOUR TRUST AND OUR COMMITMENT TO YOUR PRIVACY : -

At Bank of Alexandria, we regard the trust that you have placed in us to be of the highest importance in our relationship with you. We are committed to value this trust, and will strive to earn it in all occasions that we provide you with products, services, and information to satisfy your needs, and guarding your information every step of the way … and this is why we take this opportunity to describe our privacy policies and the measures we take to protect our customer information. In this Privacy Promise, you will find information about these policies and procedures on how information is secured and used. Any updates to our privacy policies and procedures will be communicated to you so that you can continue to stay informed about this vital issue.

OUR PROMISE TO YOU : -

• We are committed to protecting your privacy at all times.
• We do not share customer information with outside companies for purposes of selling their products and services to you, unless you have been given the opportunity in advance to decline this option.
• We are committed to bringing you the products and services that you need to succeed financially.
• We will maintain security standards and procedures designed to protect customer information. We will continue to test and enhance our technology with timely updates to improve the protection of our information about you.

OUR POLICIES ON COLLECTION, USE, AND DISCLOSURE OF CUSTOMER INFORMATION : -

Our goal is to provide you with all of the services you will need to succeed financially. Along the way, we are committed to providing you with responsive, personalized service, and keeping you informed about new services that may be of immediate interest to you, or new benefits that can help you derive the greatest value from your relationship with us. To succeed in this endeavor, we collect customer information that becomes the cornerstone of our ability to provide superior service to you when you need it.

INFORMATION COLLECTION :-

The primary reason that we collect and maintain customer information is to serve you and administer your customer relationship in an efficient manner.This information may be collected from a variety of sources, such as the following:

• Information you provide to us in applications or forms of our Bank including those collected now or in the future in our web pages.
• Information about your transactions or experiences with the various business units of our Bank.
• Information we receive from other banks and financial institutions, such as those obtained from credit inquiries, providing your credit history, among other financial information.

INFORMATION USE AND DISCLOSURE : -

We use and may share or disclose customer information with our business partners such as agents and vendors, and with other banks and financial institutions for a variety of reasons as follows:

• To protect you. The information we maintain about your customer relationship helps us identify you and helps prevent unauthorized persons from accessing your information, or your accounts or services.
• To provide superior service. Your customer information allows us to respond quickly and efficiently to your needs.
• To tell you about new or enhanced financial services. By understanding your relationship, we can better meet your needs and determine your eligibility for other Bank of Alexandria services that could be of value to you.
• To improve and develop our products and services. Every product or service we offer is designed to reflect the ways our customers actually use their accounts. This is the reason why we collect, and analyze information about customer activity and history, and how we tailor new types of Banking products to meet your needs.
• To comply with the law. Information will be disclosed as warranted by the laws of the Republic of Egypt including banking rules and regulations.
• To respond to an inquiry about the availability of funds in any of your accounts for which you issued a cheque.
• To serve a specific purpose. Doing so only for specific purposes, we may disclose information with other entities as follows:-Non-financial companies, such as companies that perform services on our behalf - like cheque book printers, companies that we commission, now or in the future, to process and dispatch account statements by mail, or companies that help us market our own products to you.

INFORMATION DISCLOSED TO OUTSIDE FINANCIAL SERVICE PROVIDERS : -

As stated in our Promise to you, we will not share information with outside companies for the purpose of selling their products and services to you without giving you the opportunity in advance to decline this option (that is, to "opt out" of this type of sharing). We may arrange programs with outside financial service providers to offer you the benefits of "one-stop shopping" or other conveniences. In these cases, unless you exercise your choice to opt out of this type of sharing, we sometimes disclose the following categories of limited customer information with outside financial institutions with which we have joint marketing agreements:

• Information we receive from you on applications or forms, which may include information such as your name and address, among other information.
• Information about your transactions or experiences with the Bank of Alexandria, which may include information such as your account balance, payment history, credit performance, parties to transactions, credit card usage, and usual comment on overall experience with the relationship. We disclose information only when we believe that this information is important for the offer, or necessary to provide you with a premium or rate quote. Our joint agreements with these companies are subject to confidentiality provisions and restrictions on using the information for any other purpose.

INFORMATION DISCLOSED TO OUTSIDE NON-FINANCIAL COMPANIES AND INDEPENDENT CONTRACTORS : -

When outside parties perform services on our behalf, in some instances, we may disclose some or all of the information that we collect, as described in the Information Collection section. This information may be provided to certain non-financial companies and independent contractors for the purposes of servicing your account or to perform marketing or similar services on our behalf with respect to products or services we provide. These companies and contractors are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services on our behalf.

INFORMATION DISCLOSED TO OUTSIDE PARTIES IN OTHER SITUATIONS : -

We will disclose customer information to the Egyptian government agencies as warranted by the laws of the Republic of Egypt including mandated banking rules and regulations. Some disclosures will be made on official order or instruction of the concerned government entity for the sole purpose of compliance with the law or any ruling by a judicial body. Our policies and practices regarding the collection and disclosure of information about former clients are the same as those regarding the collection and disclosure about existing customers (see the section titled Our Policies on the Collection, Use, and Disclosure of Customer Information) for a period of time after a customer relationship ends. Our information about former customers, however, is used less and less over time after the relationship ends.

INFORMATION CONFIDENTIALITY AND SECURITY : -

INFORMATION CONFIDENTIALITY AND PROTECTION PRACTICES : -

As we described in our Promise to you, Bank of Alexandria is committed to preventing others from unauthorized access to your customer information, and we maintain procedures and technology designed for this purpose. We take several measures to protect the customer information we have about you, including the following:

• We update and test our technology on a regular basis in order to improve the protection of customer information.
• We require outside companies and independent contractors to whom we provide customer information for marketing, servicing, or processing purposes to enter into a confidentiality agreements that restricts the use of the information to those purposes, and prohibits independent use of the information.
• We have internal procedures that limit access to customer information, such as procedures that require an employee to have a business need to access customer information. We maintain policies about the proper physical security of workplaces and records. Our physical, electronic, and procedural safeguards comply with government-mandated regulations on Internet banking security and the protection of customer information.

INFORMATION INTEGRITY MEASURES : -

At Bank of Alexandria, We protect the integrity of your information through such measures as:

• Maintaining backup copies of account data in the event of power outages or other business interruptions.
• Using computer virus detection and eradication software on systems containing customer data.
• Installing redundant security systems composed of computer hardware and software, and employing other technical means (known as "firewalls") to prevent unauthorized computer entry into systems containing customer information.

YOU RESPONSIBILITIES TO ENSURE SECURITY : -

You agree that it is your responsibility to ensure that you take all reasonable steps to enforce adequate security for your computer hardware and software that you will use in accessing this Service, and the privacy of all Alex Link security-related information, whether from the privacy of your home or from a public internet cafe. This includes, but is not limited to:

• Protecting your sign-on security information especially your Password including digital certificates, authentication methods and devices that the Bank may provide to you now or in the future from being disclosed to anyone without any exception, you alone must know your password;
• Safe-guarding your computer from any password recording, deciphering, or generation program, device, or mechanism that unscrupulous individuals may install in your computer for unlawful purposes;
• Ensuring that when you change your password choose a combination of English alphabet letters and numbers which cannot be easily identified, or subjective owning reference to you (such as a password having your first name, brand of your vehicle, and car plate number, for example: 'mohamadlexus777' is just plain obvious);

YOUR CHOICE TO OPT OUT OF INFORMATION SHARING : -

CUSTOMER CHOICES REGARDING INFORMATION SHARING : -

We want you to know that - as a client of Bank of Alexandria - you have choices about how your customer information may be shared. Please be assured that you may exercise these choices at any time. In addition, if you have opted out of information sharing previously, it is not necessary to do so again as we will update our records accordingly so as not to cause you any inconvenience.

Terms & conditions for using "Internet banking service"

As one of the leading and prestigious Banks in the Arab Republic of Egypt, and always seeks to provide the highest level of service for corporate and retail customers, ALEXBANK offers an "Internet Banking" service to its customers in order to facilitate their self-operation of accounts at their offices and workplaces thus saving their time. Whereas the customer is a customer of the Bank and maintains an account/ accounts with the Bank, upon which various banking transactions are being made, and whereas the customer intends, by signing the present application form, to take advantage of the use of "Internet Banking" online banking services, provided by ALEXBANK, in accordance with the terms and conditions listed below, the terms and conditions and provisions listed in the customer's account opening application form, held with the Bank, shall remain in force and effect for all transactions, as well as for the customer's relationship with the Bank.

Definitions:

As applied herein, the following terms and phrases shall have the meanings as set out hereunder, unless otherwise provided :

• "The Bank": means Alex bank(S.A.E).
• "The Customer": means customer of the Bank. (Retail/Corporate) whose data are contained in Internet Banking Application Form.
• "The Account/Accounts": Mean/s all customer's accounts held with the Bank.
• "Internet Banking": means E-banking Services, including electronic services, transactions and facilities provided by the Bank to its customers, which are being changed from time to time.
• "The Website" means the website of ALEXBANK for E-banking Services and the pages thereof, in part or in full.
• "User Identification": means the Customer's Identification Number or word the Bank will give to the Customer for the purpose of identification while using the Banking Service of" Internet Banking"
• "Password" : means the secret number delivered to the customer by the Bank and shall be deemed as the customer›s authorized signature with the Bank.
• "Confidential data": means all data for activating the use of " Internet Banking" service data Which for example, but not limited to the user name/ Password his data and accounts.
• "One Time Password (OTP)": Is a password that is valid for authentication only for a single access attempt or a limited period of time, the password cannot be reused for subsequent authentication.
• "Hardware Token": Is a physical device used for generating dynamic passwords– One Time Password (OTP) and owned by the customer.
• "Mobile Token": Is a mobile phone application used for generating dynamic passwords– One Time Password (OTP).
• "Token's PIN": means secret numbers that the customer uses to login to his Hardware/ mobile token in order to generate a one-time password.

General terms & conditions:

• The customer acknowledges that the mentioned data and information in the internet banking application form is correct and that he is responsible in case of the invalidity of above mentioned data and information
• In case the bank sent banking statements via any electronic channels upon the customer's request, The customer acknowledges the confidentiality of these statements and the bank shall not be liable for disclosure of those statements Also, the bank will not be liable for any failure or delay of sending the statements to the customer for any reasons beyond the bank's willingness and the customer must acknowledges that the Bank shall not be held liable or responsible in this regard.
• Only the main account holder shall be entitled to subscribe to the "Internet Banking" service, and proxies may not be entitled to subscribe to such service.
• The Bank reserves the absolute right to reject (without giving reasons) any subscription application request submitted by the customer for the "Internet Banking " service as the Bank also reserves the right to refuse to execute any instructions and/or inquiries and/or operations and/or transactions received from the customer during the use of the "Internet Banking" service, without any objection from the customer.
• The Bank has the right, at any time, at his sole discretion to suspend and/or limit the use of the "Internet Banking" service provided to the customer, or any part thereof.
• The customer shall have full responsibility for the information data and transactions validity that s/he enters through the bank's Website as a sole user of "Internet Banking" service. The customer shall endorse that the instructions, transactions, data and operations entered through the "Internet Banking" service are to be processed without any additional review and/or without written notices or other verification methods by the Bank. The Bank shall not have any responsibility towards the customer in case s/he enters invalid data through the bank's website related to the "Internet Banking" service.
• The Customer must immediately contact the Bank to suspend the "Internet Banking" service if it appears to him/her or becomes aware that someone has accessed his/her personal security details. In case of the Customer's failure to comply with such requirement, the customer shall be responsible for any operations and/or unauthorized transactions made on his account and all transactions shall become confirmed by using confidential data, Any such service suspension shall be effective within [3] working days of receipt of the suspension notice by us.
• The customer hereby shall clearly admit the full tolerability of the automatically generated printouts by the Bank as a confirmation on the execution of transactions/ instructions submitted by the customer using the provided service, whether such printouts are in Arabic and / or in English, and the statements of the customer's account include all transactions data and operations that have been executed by the customer through "Internet Banking" service.
• The customer undertakes that all transactions carried out through the service are for legal purposes; with unbanned persons and that the customer is the actual beneficiary of "Internet Banking" service.
• The Customer authorizes the Bank to send alerts, announcements, new products and marketing campaign using any of the electronic means that includes but not limited to internet, email, SMS; the customer shall not consider the forgoing as a violation of his/her privacy.
• The Bank is not responsible for failure to execute any of the transactions contained through the system due to any circumstance beyond the control of the Bank, and the bank shall not be obliged to accept any amendments or cancellation of any previous instructions or transactions the customer entered through "Internet Banking" service, and they have already been executed.

Transfer of Funds:

• The Customer shall not make transfers and/ or issue instructions and/ or request transactions exceeding the balance available in his/her account. Otherwise, the Bank shall be entitled to refuse to execute the transfer, instruction or transaction immediately and without sending a prior notification to the customer.
• The customer committed not to use " Internet Banking " service to transfer money without having sufficient funds in the account from which the transfer is to be made or without pre-arrangement with the Bank and the approval for the availability of overdraft shall be issued for withdrawing from such account.
• The customer shall comply with all the laws and regulations established by the Central Bank of Egypt, with respect to banking transfers.

Payment of Bills:

• The customer shall maintain sufficient funds in the account to pay any bills on the dates specified for payment, and the Bank shall not be responsible for non-payment of any bills on their maturity dates due to a lack of sufficient balance in the customer's account, the customer shall be solely responsible in the case of charging any interests and / or late penalty on the bills with late payment.
• The Customer shall be solely responsible for the validity of the data relating to payment of bills, including, for example, but not limited to the telephone number, the amount, the bill number, ... etc., without any liability on the part of the Bank, and the customer shall bear all the resulting consequences as the Bank does not review the validity of such data.

Service Operation:

• When the customer signs the application to subscribe to " Internet Banking " service and the Bank completes the formalities and verifies his/ her identity, the Bank shall extradite the customer's password/Tokens.
• As soon as the customer receives the passwords/Tokens, S/he must contact the call center of ALEXBANK at 19033 in order to activate the service, which enables the customer to access the online banking account, and in order to secure the transactions performed on the account, the customer shall replace the current password when s/he accesses the service for the first time, and s/he shall replace the given password with his new personal created password and shall keep it at his own responsibility.

Software:

• The Customer shall be obliged to possess computers and computer Softwares that satisfy the minimum specifications specified by the Bank. The Bank has the right from time to time to amend such specifications. The Bank shall not bear any costs or damages that may be sustained by the Customer due to his/her non-acquaintance with the specifications amended by the Bank. The Bank has the right to effect the with the specifications amended by the Bank. The Bank has the right to effect the modifications which is considered suitable to develop and improve "Internet Banking" service.
• The Bank has the right, from time to time, to modify/ maintain/ upgrade " Internet Banking " service which may require service›s suspension for a certain period of time to be defined by the Bank. Therefore, this is considered to be one of the cases in which the Bank shall not be responsible for any failure in using the internet banking services and the customer shall not have the right to present any demands to the Bank, the modification and/or upgrade and/or maintenance to be announced on the website of "Internet Banking".
• The Bank shall not bear any responsibility for any failure in " Internet Banking " service for any reason/event that is beyond its control and without any trespass or negligence from Bank's side. Further, the Bank shall not be responsible for any failures in the communication media, any computer virus and/or any related problems.

Copyrights and Trademarks:

• Bank of Alexandria's logo is a trademark registered and owned in favor of the Bank. Generally, Alexbank has the right to possess any trademarks related to its products that appear in the web pages.
• Copyright in the images, graphics, information, marks, texts, materials, screens, and web pages including their design and arrangements that appear in the Site are owned by ALEXBANK and/or any other party as indicated.
• The customer committed and undertakes that s/he shall not have any copyright or any other intellectual property rights in any of the programs and/ or interfaces and /or documents and/ or images, and /or graphics, and /or information, and /or marks, and / or texts, and /or materials, which appear in the Site provided by the Bank. The customer shall not allow any other persons to make copies or modify any of these programs, interfaces or documents provided by the Bank, or upload or transfer the electronic banking services programs from/to any computer, phone, smart phone or any other similar electronic devices. In case the customer breaches the abovementioned or is not able to protect such provided programs and documents as a service from the Bank, the Bank shall have the right to claim all necessary legal actions, in addition to the required indemnities for the damages sustained by the Bank.

Amendment of Terms:

• The Bank may, at any time and according to its sole discretion, amend all and /or some of the present terms and conditions and /or replace them fully or partially by posting the new terms and conditions in the customer's Internet Banking home page at any time without notice. Therefore, the customer's continued access to or use of "Internet Banking" service shall constitute the customer's implied acceptance and consent of any such amendments.

Service Fees:

• The Customer shall bear all the fees and expenses related to "Internet Banking" Service, including but not limited to subscription and banking fees resulting from usage of the various e-services through "Internet Banking" service that the Bank, from time to time, determines and declares. The Bank shall maintain the right to amend such fees without any objection from the Customer. Consequently, the Customer irrevocably authorizes the Bank to charge the due fees and expenses to any of the Customer›s account(s) held with the Bank.

No warranty:

• Without prejudice to any provision of the Terms and Conditions, the Bank makes no warranties or guarantees, expressed or implied with regard to "Internet Banking" service.
• Despite the Bank uses all techniques and all possible security measures to protect customers and "Internet Banking" service from the Internet risks and cyber-crimes, the Bank is not responsible for any damage that may be caused to the customer as a result of the risks associated with the use of the Internet, and that the customer solely is responsible to assume all of the risks resulting from the usage of "Internet Banking" service, chosen under the present application and the Internet usage.
• The customer shall bear sole responsibility for use of any software and / or hardware that may expose the security and effectiveness of "Internet Banking" service usage, which results in disclosing the customer's data, and the customer shall assume solely all the resulted consequences and discharge the Bank side from any responsibility in this regard.

Obligations:

• The Bank is committed to maintaining the confidentiality of all data and information that may be delivered from the customer on the occasion of providing "Internet Banking" service. The Bank also undertakes to maintain the confidentiality of all operations performed by the customer through "Internet Banking" service, and the Bank and the Customer undertake not to disclose any of the above except in accordance with applicable laws in the Arab Republic of Egypt. And / or in implementation of any provisions or binding orders, or in accordance with the terms and conditions of "Internet Banking" service usage.
• The customer shall irrevocably authorize ALEXBANK in circulating and disclosing to a third party, some and / or all of the data of his/her accounts held with the Bank, according to the Bank's sole discretion, in order to develop and facilitate all banking activities and / or to provide unique banking services to the customer, including but not limited to: electronic banking services of all kinds, statements of account services, postal services, ATM services, ... etc., without any responsibility on the part of the Bank.
• The customer acknowledge to assume full and complete responsibility regarding maintaining the confidentiality of data, and the necessary measures for keeping same safe and not to disclose to anyone, any employee of the Bank's employees or any other agency.
• The customer shall read and understand the warnings, alerts and notifications contained on the Internet Banking website, and shall accept all terms and conditions that will appear through the Internet Banking website and that is deemed a legal obligation to the customer.

Disclaimer:

• If the service has stopped due to system issues inside the bank or any related parties involved, the bank will make all necessary steps to restore the service within 4 hours, In the event that the bank is not able to restore the service within this promised period, the bank will communicate to the customers the next expected date for restoring the service
• The Bank shall make reasonable effort to provide "Internet Banking" service. However, the Bank shall not be liable for any failure to provide all or part of the Bank's Online Banking Service for any reason beyond its control. The Bank does not provide any commitments or guarantees including but not limited to quality, speed, performance, accuracy etc. and it does not guarantee the freedom of programs from faults or defects. The Bank undertakes to modify the adverse effects on the Customer's banking transactions that occurred due to that fault or defect. The Customer acknowledges and admits that the Bank is not responsible for all that related thereto unless it commits trespass or negligence.
• The Bank and any entity it engages its services shall not be responsible for losses arising from delays in sending or transmitting, non-receipt or loss of information, or breakdowns or emergencies such as electricity breakdowns or suspension of work, strikes, force majeure, natural disasters, security problems, and measures taken by the state's authorities or any other events. The Customer shall not hold the Bank liable for any damages sustained by the Customer, the technology, or the electronic equipment in the case of any of the above events.

Termination of the Service:

• The Customer may terminate his/her subscription in "Internet Banking" service at any time, by virtue of a written termination notice addressed to the Bank. The Bank may, according to its discretion without stating a reason, terminate the Customer›s subscription in the said services at any time with a prior notice. Such termination may not affect the Customer›s liabilities regarding "Internet Banking" service provided up to the date of termination. The customer shall pay any fees to be charged up to the date on which the service termination application is implemented.

Correspondence Addresses & complains:

• Any notice, request or any other correspondence shall be sent to the Customer to his/her address registered in the Bank›s records. All the Bank›s correspondence shall be deemed delivered to the Customer once they are sent by regular mail or electronic mail to the last address registered in the Bank›s records which shall be an evidence thereof. The Customer shall notify the Bank in the event of changing his/her address registered in the Bank›s records by virtue of a prior written notice.
• If the customer has any complaint about the service, the call center of Alexbank shall be immediately contacted at 19033 or the customer can visit the nearest branch of the Bank. the bank should reply back within 10 working days"

Governing law and Jurisdiction:

• These Terms and Conditions shall be subject to the provisions of the laws of the Arab Republic of Egypt. Any dispute that may arise from the construction, interpretation or implementation hereof shall be settled by the courts of Cairo of all types and levels.
• In case of discrepancy between the Arabic and English version, the Arabic version shall prevail.

Acceptance of Terms and Conditions:

• I hereby the undersigned acknowledge, "the customer" that I fully understand that by signing on these terms and conditions, I explicitly agree to all the terms and conditions and committed to use "Internet Banking" exclusively within the provisions provided herein.