Common use of QUERIES OR COMPLAINTS Clause in Contracts

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the Company, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 30 days from the date on which the Transaction or Charge was processed and debited to the Card AccountStatement Date. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 30 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 30 day period. 2. AEME is not responsible for goods or services paid for by use of the CardCard in any way. Once the Cardmember Company pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quantity, quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding New Balance as shown on the CardmemberCompany’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember Company with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the CardmemberCompany’s Account with an Investigation Fee as if specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if If the investigation reveals that the disputed Transaction does not relate to the Cardmember Company in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a CardmemberCompany. The Cardmember Company will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or Company, and if available in AEME’s records at the Companytime of the request, AEME will provide the Cardmember or the Company with reprints of his or her its monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges charges for reprints of the first Statements of Account for the most recent three months lapsing preceding the request. However, any reprints for periods earlier than that may be subject to a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the Company, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day days period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive waives any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day days period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s his or her monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request. 5. To lodge a complaint, Cardmembers have the following options: - visit the “Contact Us – Email Us” page on the AEME website: “How To Share Your Feedback Or Raise Your Concerns”; or - submit it through the local AEME front office; or - submit it digitally through the Amex Mobile App.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day days period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive waives any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day days period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such a dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding or at least the Minimum Payment Due as shown on the Cardmember’s his or her monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request. 5. To lodge a complaint, Cardmembers have the following options: - visit the “Contact Us – Email Us” page on the AEME website: “How To Share Your Feedback Or Raise Your Concerns”; or - submit it through the local AEME front office; or - submit it digitally through the Amex Mobile App.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses.. 40445_AMEX_Cardmember Agreement_Company Card_Other Markets_12_2024 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 30 days from the date on which the Transaction or Charge was processed and debited to the Card AccountStatement Date. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 30 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 30 day period. 2. AEME is not responsible for goods or services paid for by use of the CardCard in any way. Once the Cardmember Company pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quantity, quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding New Balance as shown on the CardmemberCompany’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card.. 40445_AMEX_UAE_ CPC-T&C Agreement_05_2021 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember Company with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the CardmemberCompany’s Account with an Investigation Fee as if specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if If the investigation reveals that the disputed Transaction does not relate to the Cardmember Company in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a CardmemberCompany. The Cardmember Company will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or Company, and if available in AEME’s records at the Companytime of the request, AEME will provide the Cardmember or the Company with reprints of his or her its monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges charges for reprints of the first Statements of Account for the most recent three months lapsing preceding the request. However, any reprints for periods earlier than that may be subject to a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card.. 40445_AMEX_UAE Cardmember Agreement Company Card_05_2021 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 30 days from the date on which the Transaction or Charge was processed and debited to the Card AccountStatement Date. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 30 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 30 day period. 2. AEME is not responsible for goods or services paid for by use of the CardCard in any way. Once the Cardmember Company pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quantity, quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding New Balance as shown on the CardmemberCompany’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember Company with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the CardmemberCompany’s Account with an Investigation Fee as if specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if If the investigation reveals that the disputed Transaction does not relate to the Cardmember Company in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a CardmemberCompany. The Cardmember Company will be liable for all costs associated with the collection of dues including legal and external agencies expenses.. 40445_AMEX_CPC_Agreement_Other Markets_03_2022 4. Upon the request of the Cardmember or Company, and if available in AEME’s records at the Companytime of the request, AEME will provide the Cardmember or the Company with reprints of his or her its monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges charges for reprints of the first Statements of Account for the most recent three months lapsing preceding the request. However, any reprints for periods earlier than that may be subject to a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses.. 40445_AMEX_Cardmember Agreement_Company Card_Other Markets_03_2022 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 60 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 60 day period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive waives any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 60 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s his or her monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request. 5. To lodge a complaint, Cardmembers have the following options: - visit the “Contact Us – Email Us” page on the AEME website: “How To Share Your Feedback Or Raise Your Concerns”; or - submit it through the local AEME front office; or - submit it digitally through the Amex Mobile App.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period.. 40445_AMEX_Cardmember Agreement_Company Liability_Other Markets_03_2022 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the Company, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember and the Company agree and acknowledge that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period.. 40445_AMEX_Cardmember Agreement_Company Liability_Other Markets_12_2024 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding as shown on the Cardmember’s monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the Company, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.

QUERIES OR COMPLAINTS. 1. If the Cardmember or the Company has any queries about any of the Charges or Transactions which appear in any Statement of Account, the Cardmember or the Company must contact AEME immediately and in any event, no later than 90 days from the date on which the Transaction or Charge was processed and debited to the Card Account. If the Cardmember or the Company fails to notify AEME of any queries or disputes within the 90 day period, then the Cardmember agrees and the Company agree and acknowledge acknowledges that all Charges and Transactions which appear on the Statement of Account are true, accurate and correct and hereby waive waives any right to object, dispute or challenge, in any manner whatsoever, any such Transactions, Charges or amounts. AEME will assume all Charges and Transactions to be true, accurate and approved by the Cardmember and the Company upon the lapse of the said 90 day period. 2. AEME is not responsible for goods or services paid for by use of the Card. Once the Cardmember pays for goods or services by his or her Card, the Cardmember or the Company may not at any later time cancel any Charge or Transaction without the approval of the Service Establishment from which he or she purchased the goods or services. Any dispute related to the quality or delivery of the goods or services or otherwise shall be settled directly with the concerned Service Establishment. AEME shall have no direct or indirect involvement in any such dispute. Even if such a dispute occurs, the Cardmember and the Company must in all circumstances pay the total amount outstanding or at least the Minimum Payment Due as shown on the Cardmember’s his or her monthly Statement of Account. If such dispute is not approved and settled by the Service Establishment, the Cardmember and the Company shall be liable to and may not refuse to pay to AEME the value of any Charge or Transaction debited to the Card Account because of such dispute or dissatisfaction or any other matter related to the goods or services paid for by the Card. 3. AEME may at its discretion, raise an inquiry on behalf of the Cardmember with a Service Establishment and obtain the relevant supporting documentation for any disputed Transaction(s). AEME reserves the right to debit the Cardmember’s Account with an Investigation Fee as specified in the Schedule of Fees and Charges, which covers the cost which AEME incurs while conducting its investigation over a disputed Transaction. However, if the investigation reveals that the disputed Transaction does not relate to the Cardmember in any manner, AEME will credit the Card Account for the disputed Transaction and will not charge the Investigation Fee. AEME shall make bona-fide and reasonable efforts to resolve a dispute raised by a Cardmember. The Cardmember will be liable for all costs associated with the collection of dues including legal and external agencies expenses. 4. Upon the request of the Cardmember or the CompanyCardmember, AEME will provide the Cardmember or the Company with reprints of his or her monthly Statement of Account, if at the time of the request this is available from AEME’s records. There will be no Charges for reprints of the first three months lapsing preceding the request. However, a fee as specified in the Schedule of Fees and Charges, per each separate month required by the Cardmember will be charged for reprints of Statements of Account covering period later than three lapsing months preceding the request.