Terms and Conditions

Please read the terms and conditions of use set out below carefully before using this Web Site (the "Site"). The use of this Site and any transactions conducted on it are governed by these terms and conditions ("Terms") and the Privacy and Security Statement.

If you have any questions regarding these Terms, please contact our Call Center on 19336 (within Egypt) or (+202) 26149400 (from outside Egypt) or from Kuwait on the toll free 22293980 anytime 24/7 or visit us at any of our branches.
References to "you", "your" and "yours" are references to the person(s) accessing the Site.
References to "we", "us" and "our" are references to NBK Egypt.

This Site is owned and operated by NBK Egypt All our products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.

> By using this Site, whether browsing or opening an application, you acknowledge that you have read and understood the Terms and agree to be bound by them.

The information and other material provided in the pages of the Site (including the Terms) may be changed at any time without notice by updating this posting. You agree to review the Site regularly and your continued access to, or use of, the Site following any changes will mean that you agree to any changes (including any amended Terms).

The material on this Site contains general information about NBK Egypt products and services. Unless expressly stated otherwise this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for such products and services. All applications for credit are subject to NBK Egypt’s normal credit approval criteria.

> The information is not intended to be taken as financial advice and does not take into account any investor's individual requirements and circumstances.

NBK Egypt's website does not offer financial services or products and NBK Egypt's operation of www.nbk.com/Egypt portal, or gateway, does not constitute an offer of any products or services provided by NBK Group members.

NBK Egypt does not offer financial services or products through its use and operation of the www.nbk.com/Egypt portal, or gateway. Products or services on this Site do not constitute an offer or recommendation of any products or services provided by any of the NBK Group members. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside any jurisdiction except where NBK Egypt is licensed or authorized www.nbk.com/Egypt to perform such activities (hereinafter the "Authorized Countries"). NBK Egypt regulated by Central Bank of Egypt.

Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by NBK Group members. You should access only the Local Site(s) associated with your country of residence ("Your Local Site"). If you own products that are not discussed on Your Local Site, information about such products may be accessible on this or another NBK website. Products and services discussed outside Your Local Site may not be available in your jurisdiction of residence or in the Authorized Countries and may not be appropriate for you. It is the responsibility of any persons accessing this Site and any information available through this Site to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. NBK Group members may decline to provide you with products and services solely based on your country of residence.

Products discussed on this Site may not have been registered or authorized by any central bank, governmental or regulatory authority in the Authorised Countries or in the country of your residence. Accordingly, you may not have the benefit of protection from the securities laws, banking laws and other relevant laws and regulations of your country of residence with respect to products or services referred to on or through this Site.

No representation is given that any securities, products, or services discussed in or accessible through this Site are suitable for you or any particular person. You acknowledge that your use of this Site and any requests for information you have made as a result of visiting this Site have not been solicited by NBK Egypt or any of its affiliates and that the provision of any information through this Site shall not constitute or be considered investment or financial advice.

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only so far as the law permits.

> Whilst we have taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on the Site, information is provided in good faith on an "as is", "as available" basis and we do not make any representation or warranty of any kind, whether express or implied, as to the reliability of the information contained on this Site. The information is believed to be accurate and current at the date the information was placed on this Site. We do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this Site.

The use of the Site is at your sole risk. We shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on the Site or accessed through the Site, even if we have been advised of the possibility of such damage.

> We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

> You may have rights and remedies available to you in relation to the provision of services by NBK Egypt which must not be excluded, restricted or modified ("non-excludable rights"). NBK Egypt does not exclude any of these non-excludable rights, but does exclude any other conditions and warranties implied by custom, law or regulation.

NBK Egypt's liability for breach of any non-excludable rights is limited, at the option of NBK Egypt, to the supply of the services again, or the payment of the cost of having the services supplied again.

Unless otherwise stated or agreed with you, the information on this Site has been prepared in accordance with Egypt law for residents of Egypt and for the supply of products or services in Egypt. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this Site, it is not directed to you.

> Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant NBK group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.

All products or services provided to you by any NBK Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.

> You agree that any of the products or services provided to you by any NBK Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.

Where we provide hypertext links to other locations on the Internet, we do so for convenience and information purposes only. We have not verified, and are not responsible for, the content of any other web sites or pages linked to or linking to this Site including any sites or pages of any other member of the NBK Group of Companies. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked web site or its content by NBK Egypt and, subject to any applicable law which must not be excluded, NBK Egypt makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party web site. Following links to any other web sites or pages is entirely at your own risk and we shall not be responsible or liable for any losses, damages or expenses or in other way in connection with linking.

> Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

Unless otherwise indicated, copyright in all information and other materials on this Site (including information and its arrangement) is owned by or licensed to NBK Egypt. All rights are reserved. This Site or any portion of the Site may not be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purpose that is not expressly permitted by NBK Egypt. You may imprint, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. In particular you may not use a part of our Site on any other web site, or link any other web site to our Site, without our prior written permission.

Nothing contained on this Site should be construed as granting any license or right of use of any trademark displayed on the Site without the express written consent of NBK Egypt.

You agree not to attempt to transfer any material of any kind to this site which contains a virus, malicious computer code or any harmful component and not to otherwise attempt to alter the content of the Site. You agree that you are wholly responsible for use of the Site by any person using your computer and you agree to ensure that any such person complies with these Terms. You agree to immediately notify NBK Egypt of any unauthorized use of your email address or any other breach of security.

We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site. We may use this information for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention, audit and debt collection, to identify products and services which may be relevant to you from both within the NBK Group of Companies and selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the NBK Group of Companies so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the NBK Group of Companies except where we are authorized by you or by the law to do so, for fraud prevention purposes, if obliged by law or a regulator, or by confidential agreement to sub-contractors or people acting as our agents in the performance of the services we provide.

All personal data wherever it is held in the NBK Group or by its sub-contractors or agents will be afforded a high level of protection against any authorized or accidental disclosure, access or deletion.

By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.

All figures displayed on this Site relating to fees, charges, interest and any other amounts are in Egyptian Pound (unless otherwise stated) and are current at the time of issue, but may change at any time without the obligation of providing prior notification.

These terms and your access to the Site may be terminated and/or amended at any time by NBK Egypt at its own discretion without prior or any notice. All restrictions, disclaimers and limitations of liability by NBK Egypt will survive termination.

These Terms are governed by and are to be construed in accordance with the laws of Egypt. You agree to the non-exclusive jurisdiction of the courts of Egypt and any courts, which may hear appeals from those courts in respect of any proceedings in connection with these Terms or this Site. If any provision of these Terms is found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.

We reserve any rights not expressly granted in these Terms.

By moving to any other part of this Site you agree that you have read, considered and understood these Terms and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this Site.