Seventh: Terms and conditions of subscribing in the E-Channels of Cairo Amman Bank

In case the client submitted application for subscription in E-channels at Cairo Amman Bank; then the following conditions shall determine the stipulated in the submitted application.

These terms and conditions shall apply to the relation between Cairo Amman Bank and any of the clients submitting application for subscription in E-channels to be granted the services provided through them and/or any channel and/or service the bank decides to be added in the future, and shall complete the subscription application signed by the client at any of Cairo Amman Bank branches. Client confirms by signing these terms and conditions that he /she understands and approves them without breaching bank right of amending all or any art of it anytime; and amendment shall be considered as valid from the date of notifying client through a letter sent to the address indicated in the subscription application or through e-channels.

The male words shall include females and singular shall include plural wherever mentioned.

1. Introduction shall be considered as part and parcel of these terms and conditions and shall be read with them
2. Client approves any records done by the bank for any amounts resulting from subscription in the e-channel and benefitting from the services provided through; and the bank has the right without referring to client and without the need for any authorization to debit the client account with all benefits, commissions and expenses paid by the bank on behalf of the client, which are resulting from any transactions between client and bank and the bank has the right to debit any of the client accounts with any expenses resulting upon the client from any transactions between the bank and client and the bank has the right to debit any of the client accounts with any expenses resulting upon client of any type or determining them including courts’ fees, advocacy fees and legal consultations of any amount
3. Using e-channel shall be solely for the client subscribing in the e-channel and shall solely bear all risks and/or responsibility resulting from using e-channel and benefitting from the services provided through
4. Client shall commit to following instructions of using e-channel in the method provided by the bank accurately when wishing to use it and benefit from the provided services
5. It is understood that by entering user code by data entry for the financial transaction to the system; that shall be considered as approval for implementing the financial transaction and user code as per the table of powers accredited under company registration certificate
6. It is understood that the use code and passcode determine client ID at the bank; thus any transactions done using them shall be considered as done by client and shall be solely responsible for all transactions implemented using e-channels of subscription using the ID and passcode
7.  Client shall be responsible for availability and maintenance of devices and programs necessary or operating e-channel including communications fees and the bank shall not bear any responsibility for any error and/or defect in the used software by the client and/or client usage of any software and /or additional devices that might be affecting service effectivity or failure; and bank shall not bear responsibility in case of not receiving messages, emails or calls in case the reason was weak connection and in case of reasons not caused by the bank
8. Client approves using the e-channel and benefiting from the services provided as per the table of commissions approved by the bank and reviewed by the client 
9. Client shall solely bear responsibility resulting from debiting his account when using any of the e-channels and any liability that might be resulting from any error in transferring amounts to the account of any other client through any of the e-channels 
10. Client confirms that any emails including implementation of orders requested by him may not be objected and/or annulled and/or denied for any reason, and confirms that all emails sent by the bank are correct and approves their contents
11. Client confirms that the e-services provided through the bank are directly implemented based on his orders and instructions and recognizes the potential of being conditioned with any messages or notices and that the orders and requests issued by him and the resulting commitments shall be considered as applicable 
12. Client confirms being solely responsible for maintaining confidentiality of all information related to his account and/or instructions of payment, transfers and any other information that might be obtained, uploaded or stored in and computer or electronic device, and confirms that in case of using internet for accessing internet banking services then he shall solely bear liability for any results of any unauthorized usage or misusage by any body with any results directly or indirectly or any loss or damage
13.  Client confirms that he/she does not have any other intellectual property rights in any of the programs, screens or documents provided by the banks in the field of e-banking or for improving software, screens or documents and confirms not or not allowing:
14. To copy or amend any of these software, screens or documents provided by the bank
15. Uploading or transferring any of the e-banking services from any computer or telephone to another
16. Client confirms that the bank has the right to suspend and/or annul service and/or e-channel anytime and for the period it considers appropriate without the need for notice or explanation
17. In case of deciding to grant e-banking services for the companies and/or persons in common accounts; then all signatories on behalf of the company and/or common account shall be attending and signing the subscription application and they shall authorize any of them in the e-services and the ID and passcode shall be as their signature collectively and jointly and no objection may be approved in the ID or passcode published and/or used by any of the partners and/or account holders
18. Client may request suspending and/or annulling subscription in the e-channel or any of the services provided through under a written or electronic application submitted to the bank; thus the client has the right to update data that may be amended through internet
19. Bank may abstain from conducting any transfers and/or payment orders of any amounts in case of not having adequate balance in the client account at time of transfer for covering transactions, interests, commissions and related expenses; and the bank has the right to abstain from transfer in case of exceeding the maximum times of transfer daily known by the client
20. Client shall proceed with the transfer immediately in the day determined by client in case transfer between client accounts or to other accounts at the bank and in that case the amount shall be debited to client account at day of execution and the bank shall not be considered responsible for any delay that is out of control; and client may annul any transfer order or payment by submitting written application to the branch, asking to annul order provided that the bank did not proceed with the transfer at that moment
21. When suspending and/or annulling service and/or e-channel for any reason; then the transfer and payment order already requested by the client shall remain applicable and valid in the business day determined by client unless client asks for annulling within the condition mentioned previously 
22. All services shall be available through e-channels all along week days and at all times unless what shall be available by nature or as per bank discretion during business days only including money transfer
23. In case the client requested issuance of cash book through e-channel; then the book shall be delivered to the client from the branch of opening account in case of approving request
24. The statement of account including transactions done through the e-channels shall be correct unless the bank receives a written or electronic objection within fifteen days from the date of issuing statement, indicating reference number and objected transaction; otherwise the bank records and registries shall be considered correct and irrevocable against the client that the transaction was actually done and shall be considered as ratified and documented without client having the right to object it in any manner
25. It is agreed that the bank and/or administration and /or representatives have the right to claim and/or conduct any amendment and/or correction and/or changing the statement of account and /or any of the bank records and/or record rejection in case of discovering any error/ defect in any device or software and/or any of the bank electronic devices and other things that are not compatible with the accounts/ records’ actual status without bank/ administration / representatives bearing any legal and/or actual and /or banking and/ or accounting liability of any type resulting from that
26. Client confirms that the date obtained from computer and other technical means whether original or copy including electronic data and voice recordings are considered as legal, correct and abiding means of proving and may not be objected or denied; and approves considering all bank registries as ratified and documents evidence without having the right to object or deny them before any body
27. In case client finds any illegal record and/or wrong transaction in the client transaction registry reviewed by client during service; then the client shall inform the bank in writing within fifteen days; otherwise the bank will be proving that the client actually conducted transaction and in case of obtaining written complaint from client of not conducting transaction mentioned in the registry; then the bank shall conduct an audit for investigating that and client shall provide the bank with his name, account number and transaction reference number and the bank informs the client with results as soon as possible
28. Client undertakes informing the bank in writing about the potential of others accessing his account or others recognizing his ID or passcode; and client shall be responsible for all transactions and amount transferred accordingly until the end of working hours in the day in which the bank receives a written letter for that; and client authorizes the bank irrevocably or undertaking any procedures considered appropriate once informed of that including suspension of service and /or transfer and /or not implementing any of the orders or instructions issued by the client to the bank through any of the e-channels without bank bearing any lability            
29. Client commits to paying additional commission for each new passcode issued upon his request in case the bank approves so as per the price list of commissions and fees accredited back then
30. In case client requested suspending any e-channel or any of the services provided for any reasons; then the client shall be responsible for all transactions and amounts transferred and resulting from using user code and passcode until the end of the business day in which bank receives notice 
31. The e-channel granted to the client shall be suspended temporarily in case of entering the access passcode and/or transfer passcode was entered wrongly for three times consecutively and the client shall refer to his branch and/or specialized department for re-activating service
32. Bank has the right to amend and/or add any terms and conditions related to subscription in e-channels and /or using them after notifying client in writing and/or electronically to his address selected at the bank and amendment shall be valid unless the bank receives a written/electronic objection from client within the notice period; and client confirms that the bank has the right to change software used in the e-channels without the need for notifying client of that
33. Email provided through internet banking channel shall be a safe mean for correspondences between client and bank and client shall be considered as receiving any message and /or notice and /or letter sent by the bank to the mail; and client approves considered any letter received by the bank through email as sent by him and abiding
34. Client approves the procedures and regulations used by the bank for documenting electronic dealing and information processing that may prove correct information referred to client including e-signature, and client confirms that bank accredited a licensed body for documentation
35. Bank and client agreed on processing and executing banking dealing mentioned herein via electronic means and agreed upon applying the Jordanian valid and applicable law of electronic transactions along with any amendments to all transactions
36. In addition to the electronic correspondences through e-channels; client declares that his address accredited is the one maintained by the bank and commits to notifying the bank in writing for an amendment
37. The passcode of entering and/or passcode of transfer and payment shall be considered as signature from client for approving execution of any requests, services or transfers and no objection may be approved that passcodes were published and used by another party or claiming client not asking such services through e-channels    
38. client recognizes and approves that by requesting the service of money transfer electronically then that shall be considered as authorization to the bank of the service and shall commit to the terms and conditions
39. Client has the right to terminate subscription in e-channels under written notice submitted to the bank and the bank has the right to terminate client subscription anytime without the need for obtaining client approval or notice and without justifications
40. These services shall be subject to the commissions approved under the instructions of the Central Bank of Jordan or approved by him
41. These terms and conditions shall be subject and shall be interpreted as per the applicable Jordanian laws and Amman Court of First Instance shall be having jurisdiction for considering any dispute related to the interpretation and/or application of these terms and conditions and each of the bank and client waiver their rights of submitting notarial notices.
42. The Customer hereby declares and agrees that he personal Identification Code and the Access Code to access the Electronic Channel is considered a binding signature upon him given that any operation/messages executed/exchanged after accessing the Electronic Channel is deemed valid and effective to him.
43. The Customer hereby declares and agrees that the Passcode of Transfers E-payments and Transactions Execution is deemed as personal signature to the Customer and the access to the Electronic Channel is considered a consent on any payment/transfer/transaction execution via Electronic Channel and it shall be valid and effective to the Customer.
44. The Customer hereby declares and agrees that the electronic signature is binding upon him and effective whereby all transactions that take place through this signature are binding, effective and with the Customer own resolution.
45. The Customer hereby declares and agrees to authorize the Bank with all actual and legal guarantees to enforce any electronic documents with his electronic signature and any instructions through the E-mail sent by the Customer to the Bank via the Electronic Channel where it shall be valid and effective to him.
46. The Customer undertakes to notify the Bank immediately of any access to the Electronic Channel without his knowledge or authorization or consent using his Identification Code and Access Code. Where the Bank shall be under no obligation on any outcome before the time of notification, and the Bank shall not bear any liability due to the disclosure of the Identification Code and/or Access Code to any third party, whether by coincidence and /or intentionally whereby it is considered the Customer’s absolute responsibility of any action/operation/transaction/ message as a result of negligence to maintain the above-mentioned information.
47. The Customer hereby acknowledge that all the electronic information, letters, messages and any electronic document which is held by the Bank is considered as a legal proof of evidence and is binding upon the Customer where it may not be challenged nor denied before anybody.