Personal Loan Contract»°üî°ûdG ¢Vô````≤dG ó```≤`Y

Personal Loan Contract

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This Contract is made on this day .................................................................... between:

First Party: Standard Chartered Bank, Address: Shmeissani P.O.Box 926190 Amman 11190 Jordan (Hereinafter referred to as the “Bank”)

Second Party: ................................................................................................................................................................................................................................................................

First Borrower Name (four sections):........................................................................................................................................Nationality: ......................................................

Second Borrower Name (four sections):.................................................................................................................................Nationality: ......................................................

National Number (for Jordanians) ......................................................... Passport Number (for non-Jordanians) .................................................................................

Address: .......................................................................................................................................................................................... (Hereinafter referred to as the Borrower)

Third party: .....................................................................................................................................................................................................................................................................

Name of the Guarantor (personal or company): ............................................................................................................... Nationality: .......................................................

National Number (for Jordanians) ............................................................. Passport Number (for non-Jordanians) .............................................................................

Company Registration Certificate Number .................................................................... Issued on ............................................ For Ministry of Trade & Finance.

Address: ..................................................................................................................................................................................... (Hereinafter referred to as the “Gaurantor”)

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Version: November/2018

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Preamble:Where the Borrower has applied for Personal Loan with amount of JOD ……...............................…….. and in words…….......………….......…….......……...........…….......…….......…….......…….......…...….......…….......…….. for the purpose of …….......…….......…….......…….......…….......……............…….......…….......…….......……..............

Where the Bank has approved granting the Borrower the personal loan with above mentioned amount, and the Guarantor has agreed to guarantee the Borrower jointly and severally and to guarantee all the Borrower’s liabilities subject to the terms and conditions determined in this Contract. All parties have agreed on the following:

One: The PreambleThis Preamble shall be considered an integral part thereof in addition to the personal loan application, declaration and offer and are an integral part of this Contract and shall be read as one.

Two: DefinitionsIn this Contract any reference to the singular includes a reference to the plural and vice versa and any reference to the masculine includes a reference to the feminine and vice versa;2.1 Overnight interbank rate: the average interest rate at which banks lend JOD to each other for

a period of 1 day.2.2 Overnight repo rate: the interest rate at which the Central Bank of Jordan lends JOD to

Jordanian Banks while taking government bonds as collateral.

2.3 The Actual Annual Percentage: is one percentage representing the actual annual cost forthe facility during, the facility period overall, and this includes the Nominal Interest and all other expenses determined in this Contract except the charges imposed on the customer due to his failure to abide with his Contractual obligations and shall be calculated in assumption that this Contract shall remain valid for the agreed period and that the parties will execute their obligations to the Contract based on the Contract agreed terms and conditions.

Three: Repayment of the LoanThe Borrower undertakes to settle the loan amounting to JOD …..…...........……......…… on …...........................…..… monthly instalments with a value of JOD ….......................…… for each instalment, whereby the first instalment shall be due on / / pursuant to the schedule attached to this Contract which outlines the date and amount of each instalment. Four: InterestThe interest rate on your personal loan is (…......................)% which represents a fixed margin of (…........)% plus the effective floating average overnight interbank rate * announced by Central Bank of Jordan (…...........................................)% , assuming a 360-day year.

Five: Amendment of interest rate and commission5.1 The above interest rate is subject to change according to the change in the average effective

overnight interbank rate as announced by Central Bank of Jordan from time to time. The interest applicable to your loan is subject to change Quarterly on the following dates (2nd Jan of each year),(1st April of each year),(1st July of each year),(1st October of each year). If the amendment date falls on a holiday, the amendment will be made on the next working day.

5٫2 In the event of non availability of interbank trades for month or more, the bank will continue touse latest declared effective average overnight interbank rate, with the addition of any changes that the Central Bank applies to the overnight repo rate *. When the interest rate changes, the bank shall notify you in writing or electronically. This may result in an adjustment to the amount of the monthly payment or the number of the remaining installments which theBank will also notify you at your registered address.

Six: CommissionA non refundable commission of 1% (one percent) shall be deducted from the personal loan amount in advance for one time only. Seven: Authorization for Debiting InstalmentsThe Borrower authorize the Bank to debit the Borrower current/ saving account with the claimed instalments in addition to the interest, commission and all charges due at any time. And the Borrower undertake to maintain his current/ saving account with the Bank in credit during the term of the Loan unless he has a written agreement from the Bank to the contrary, so that sufficient funds are available in the Borrower current/saving account at all times to settle all instalments, interest, commission and charges which are due for payment. Eight: Payment Default8.1 The Bank has the right to consider all instalments due and payable in full in the event of the

Borrower’s failure to pay the instalments in their assigned dates set out in this Contract and in the attached schedule, after sending a written notification to the Borrower and the Guarantor within a period not to exceed 30 days of the date the instalment becomes due to their addresses stated in this Contract.

8.2 In the event of default of payment by the Borrower upon the expiration of the period specified in the notice referred to in (8) hereof, all sums due to the Bank shall forthwith become automati-cally due without the need to address any further notice, and interest at the maximum legal rate shall accrue thereon until full settlement, notwithstanding and deposits of any kind made by the Borrower or by third parties on the behalf of the Borrower.

8.3 Its agreed between the parties that in the event of any breach of the personal loan Contract conditions, the Bank shall have the right to increase the interest rate and apply the late payment fees and charges and take all the necessary legal procedures against the Borrower and the Guarantor and to demand the payment of the entire amounts due and not due in addition to all legal fees including judicial expenses and attorney fees’, also the Bank shall have the right to execute on all the Borrower and the Guarantor moveable and immovable assets whether allocated or not to secure the due amounts of the Loan.

Nine: Fees and Charges (Costs)The Borrower/Guarantor account shall be debited with all costs, charges, expenses and disburse-ments of any kind directly or indirectly and to be considered as an integral part of the original loan “Granted Loan”, and shall include, without limitation or restriction, costs of stamps, postages, telephone calls, telegraph, currency exchange differences, commissions, fees of any kind, advocates’ fees actually paid by the Bank irrespective of its amount and even if the courts have not ruled to oblige its payment in total and any other expenses which the Bank may incur in respect of this Loan.Ten: Contract TerminationIt’s agreed between the parties that the Bank shall have the right to terminate this Contract in the event of the Borrower’s breach of any of the Contract terms, provided that the Bank notifies the Borrower in writing of such termination which shall take effect as of the date of the notification.Eleven: GuaranteesThis loan has been granted in collateral of the following guarantees, whereby the Bank shall have the right to reevaluate the guarantees without justification:

Salary Transfer Cash Collateral

Other guarantees :...............................................................................................................................................

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Twelve: Payments in full, Withholding tax and Value added tax12.1 All payments the Borrower must make to the Bank under this Banking Contract must

be received by the Bank on the due date in full in immediately available funds in the currency the Bank specify and without set off, counterclaim or deduction or withhold-ing (including on account of any tax) unless the deduction or withholding is required by law.

12.2 If a law requires from the Borrower to deduct any tax from a payment to the Bank, the Borrower must increase the amount payable so that the Borrower shall deliver the amount that should have been delivered after the deduction, as if no deduction has been required. The Borrower agrees to deduct the tax amount and to deposit the amount at the relevant authority in accordance with the applicable law and also to provide the Bank with the original receipts.

12.3 All payments to be made by the Borrower in connection with this Banking Contract are calculated without regard to any goods and services tax, consumption tax, value added tax or any tax of a similar nature. If any of these types of taxes is payable in connection with the payment, the Borrower must pay an additional amount equal to the payment multiplied by the appropriate rate of tax. The Borrower must do so at the same time as making the payment.

Thitreen: Possessive PledgeIt is understood that during the continuance of the Borrower transactions and until full settlement of all the amounts due to the Bank, the Bank shall have the right to have a commercial pledge and a general preferential lien upon all and any of the Borrower monies, goods, negotiable instruments, precious metals, whether coined or not and any other assets belonging to the Borrower which may be under the Bank’s possession, custody or authority at any time, or under the possession or authority of any of the Bank’s branches in this country or abroad. In respect of and as security for any monies and liabilities which are now due or at any time hereafter may become due or owing on the Borrower to the Bank or to any other branch of the Bank, or for which the Borrower may be or become liable to the Bank or to any other branch of the Bank in any manner whatsoever whether alone or jointly with any other person and under whatever name, title or commercial address. The Borrower therefore authorize the Bank to use all or part of such property or to sell them in any manner and for any price you may deem fit, without the need of obtaining the Borrower prior approval, and to credit the Borrower current account with the proceeds of such sale and/ or use such proceeds to reduce the Borrower liabilities towards the Bank, without the need of addressing a prior notice or advice to the Borrower or recourse to the courts to allow the sale. The Borrower does hereby renounce his right to object to or contest any measures you may adopt in this respect. The Bank are entitled to consider that all accounts opened in the Borrower with the Bank, including any accounts in foreign currency, constitute a single combined current account through which all debit and credit balances shall offset each other, and the benefit of the security particularly earmarked to each item of this current account shall remain assigned to secure the balance of the said combined current account without entitling the Borrower or third parties to claim that such security is limited to any of the said accounts. The Bank shall have the right at his sole discretion to pledge all or any part of the accounts opened with the Bank including any accounts in foreign currency. Nonetheless, it is agreed that the Bank undertake to release the accounts of any such pledge and repay to the Borrower all such accounts upon settlement and discharge of the Borrower liabilities towards your Bank.Fourteen: Early SettlementThe Bank is authorized to deduct a prepayment charge in the event of early settlement of any instalment by the Borrower before its maturity date whether partially or fully from the Borrower own resources in case of partial payment or by way of refinancing by another Bank, on each prepayment whether partial or full a charge of 1% (one percent) (or any other percentage determined by Central Bank of Jordan from time to time) from the loan’s outstanding balance if the repayment period is more than 12 months and 0% (zero percent) if the repayment period is less than 12 months.Fifteen: Account SettlementThe terms and conditions of this Contract shall remain in force notwithstanding any arrangement or instalments that may be agreed upon at any future date and the Bank shall be at liberty at all times to request the Borrower to settle all the amounts due to the Bank. Such terms and conditions shall also remain applicable and particularly with respect to the validity of the security granted to the Bank for the overall duration of the business dealing between the Borrower and the Bank at any time, and shall apply also in respect of any agreement to increase the amount of the existing Loan granted to the Borrower or in respect of fresh loans granted to the Borrower at any time after any intervening settlement of accounts with the Bank.Sixteen: Assignment by the BankThe Borrower agrees that the Bank may assign all or any part of its rights and benefits and / or transfer all or any part of its obligations in respect of this Contract to any other branch of the Bank, or an Offshore Banking Unit or another Bank or financial institution, or to any other party which the Bank deems appropriate. The Borrower also undertakes to sign such documentation as may be required by the Bank or assignee to give effect to any such assignment or transfer in connection with the said Contract, if same is deemed necessary.Seventeen: Governing Law and Court’s Jurisdiction17.1 This Contract shall be governed by the Jordanian Law. Any dispute arising between

the parties hereof in connection with this Contract shall be settled in accordance with Jordanian laws and regulations.

17.2 The Bank and the Borrower agree to submit to the jurisdiction of the courts of central Amman (Palace of Justice) or any other competent court in the Hashemite Kingdom of Jordan that may be selected by the Bank. Without prejudice to the foregoing, the Bank may, at its sole discretion, elect to commence proceedings in courts of other jurisdictions and the Borrower hereby agrees, in such cases, to submit to the jurisdiction of such courts and he renounce his right to object on the location of the court selected by the Bank.

17.3 The Borrower and Guarantor shall bear all the litigation costs and advocacy fees, and they undertake to pay the Bank all costs that the Bank may incur including those incurred in lawsuits and judicial and legal procedures which the Bank may take against the Borrower and the Guarantor, including court and advocacy fees

Eighteen: Notifications18.1 All notices or other communications under or in connection with this Contract to the

Borrower’s address stated in this Contract shall be given in writing, and shall be deemed to have been duly received when deposited in the post office. The Borrower(s) declare(s) that this address stated in this Contract is the approved address as a chosen domicile for the purpose of executing this Contract.

18.2 In the event that this Contract is signed by more than one signatory, we the signatories shall be bound by the terms thereof, and shall be jointly and severally subject to sending the notification to the address stated in this Contract.

Ninteen: Contract CancellationThe Bank shall have the right to terminate this Contract without referring to the court in the following events:- The Bank discovers that the Borrower name is listed on any of the prohibited dealing lists. - The Bank finds inaccuracy or incorrectness in any of the documents provided by the Borrower

for the purposes of granting the facility or at any of the guarantees or liabilities offered.

1^12

2^12

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.á«Ø°üqnàdG hCG QÉ°ùYE’G /¢SÓaE’G hCG IÉaƒdG √ò¡d q»∏©ØdG ïjQÉqnàdG ºZQ QÉ©°TE’G ∂dP kÓ©a ∂æÑdG ¬«a

âfÉc ƒdh ⋲àM ™aódG áÑLGh ∂æÑ∏d á≤ëà°ùo ŸG äÉeGõàd’Gh ∂æÑdG øe á°VÎ≤ŸG ≠dÉÑŸG ™«ªL qó©oJ ‐Ü

…CG hCG ¢VÎ≤ŸG äÉ«MÓ°U RhÉéàJ hCG á∏WÉH ¢VÎ≤ŸG πÑb øe äÉeGõàdE’G ¢Vôa hCG ¢VGÎbE’G á«∏ªY

…CG OƒLh ºZQ ¢VÎ≤ŸG øY áHÉ«f πª©j hCG ¢VÎ≤j ¬qnfCÉH ô¡¶j ôNBG m¢üî°T hCG mπ«ch hCG πã o‡ hCG ôjó oe

.äÉeGõàdE’G √òg hCG ¢VGÎbE’G Gòg ‘ áØdÉ

√Gôj Ée Ö°ùMh âbDƒ oe ÜÉ°ùM ‘ ádÉØμdG √òg ÖLƒÃ É¡eÓà°SG …ôéj n≠dÉÑe q…CG ßØM hCG ™°Vh Rƒéj

á≤ëà°ùoe äÉeGõàdG hCG ≠dÉÑe …CG AGôH’ É¡æe mAõL q…CG hCG É¡eGóîà°S’ ∂æÑdG ΩGõdG ¿hO kk ÉÑ°SÉæe ∂æÑdG

hCG QÉ°ùYE’G hCG ¢SÓaE’ÉH ≥∏©àJ äGAGôLEG …CG PÉîJEG ∫ÉM »Øa ,√ÓYCÉH OQh Ée ºZQh .¢VÎ≤ŸG ⋲∏Y ∂æÑ∏d

øe AõL hCG πμH ≥∏©àj ɪ«a májƒ°ùJ hCG má°üM q…CG ∫ƒÑb ⋲∏Y á≤aGƒŸG hCG äÉÑKEG ∂æÑ∏d q≥ënj ,á«Ø°üqnàdG

.ò qnØæoJ ⁄ hCG IOƒLƒe ÒZ ádÉØμdG √òg qn¿CG ƒd ɪc ¬d á≤ëà°ùo ŸG äÉeGõàdE’G hCG ∫GƒeC’G √òg πãe

⋲∏Y ∫GƒMC’G øe ∫ÉM …CÉH ÒKCÉàdG hCG AGôHEG ¿hóHh ,ádÉØμdG √òg IÉYGôe ™e ,äÉbhC’G ™«ªL ‘ ∂æÑ∏d q≥ënj

:»∏j Ée ,ádÉØμdG √òg ÖLƒÃ π«ØμdG ΩGõàdG

.¢VÎ≤ª∏d m¢Vôb q…CG IOÉnjR hCG Ò«¨J ‐CG

.OGó°ù∏d á«aÉ°VEG á∏¡e hCG ìɪ°S IÎa …CG ôNBG ¢üî°T …CG hCG ¢VÎ≤ŸG íæe ‐Ü

.ôNBG π«Øc hCG ôNBG ¢üî°T …CG hCG ¢VÎ≤ŸG ™e äÉYGõf …CG ájƒ°ùJ ‐ê

ÚeCÉJ q…CG ⋲∏Y ∫ƒ°ü◊G ‘ ∂æÑdG πÑb øe Ò°ü≤J …CÉH ádÉØμdG √òg ÖLƒÃ π«ØμdG á«dhDƒ°ùe ôKCÉàJ ød

ÖÑ°S …C’ π«ØμdG ⋲∏Y ≥ëà°ùJ äÉ©aO …CG ≥«Ñ£J ¢Uƒ°üîH á«∏Ñ≤à°ùe hCG IöVÉM ó≤Y q…CG ¿Ó£oH hCG

.¿Éc

ádÉØch AÉcöûdG á«dhDƒ°ùe ¿EÉa ,kÉjQÉŒ kÓ hCG ájOôa á°ù°SDƒe hCG ácöT π«ØμdG hCG/h ¢VÎ≤ŸG ¿Éc GPEG

hCG Ò«¨J …CG øY ô¶ædG ¢†¨H ,Iôªà°ùeh áªFGO ádÉØμch á«dhDƒ°ùªc ∫ƒ©ØŸG IòaÉf ⋲≤ÑJ π«ØμdG

ôNBG ¤EG ´ƒf øe ácöûdG πjƒ– ∂dP ‘ Éà ɡFÉ°†YCG hCG »°SÉ°SC’G É¡eɶf hCG ácöûdG ó≤Y ‘ πjó©J

…QÉéàdG πëŸG hCG ájOôØdG á°ù°SDƒŸG hCG ácöûdG ájÉZ πjó©J hCG …QÉéàdG º°S’G Ò«¨J øY ô¶ædG ¢†¨Hh

kÉμjöT ¬àØ°üHh kÉ«°üî°T kÓ«Øc ¬àØ°üH ¬©bh ¬fCÉc Èà©j ó≤©dG ⋲∏Y π«Øμc ∂jöûdG ™«bƒJ ¿CGh

.ácöûdG ‘

π«ØμdG ΩGõàdG ¢Uƒ°üîH ¢VÎ≤ŸG øe ó©H ɪ«a π«ØμdG ¬«∏Y π°üëj ÚeCÉJ …CÉH ®ÉØàME’G Öéj

.ádÉØμdG √òg ÖLƒÃ π«ØμdG ΩGõàdE’ ÚeCÉàch ∂æÑ∏d áfÉeCÉc ádÉØμdG √òg ÖLƒÃ

áq«dƒ°UCG á≤jô£H ¬¡«LƒJ iôL ób ¬qnfCG π«ØμdG ¤EG ¬Lƒoj ádÉØμdG òg ÖLƒÃ mÖ∏W hCG QÉ£NEG …CG qó©oj

܃àμ ne hCG ∂æÑdG iód l±hô©e ¿OQC’G ‘ π«Øμ∏d ¿GƒæY ôNBG ¤EG q»£N ÜÉ£îH π«Øμ∏d ¬dÉ°SQEG ∫ÉM ‘

π«ØμdG IÉah ∫ÉM ‘h .ójÈdG ∫ÓN øe ¬dÉ°SQEG Oôéà π«Øμ∏d ¬dƒ°Uh ¢VGÎaG Öéjh ,ó≤©dG Gòg ‘

q…CG qó©oj ,π«ØμdG ácônJ IQGOEÉH hCG π«ØμdG á«°Uh äÉÑKÉH ∂dòH q»£N QÉ£NEG ∂æÑdG ΩÓà°SG ÚM ¤EGh

,ádÉØμdG √òg ¢VGôZC’ √ÓYCG OQh ɪch ,ójÈdG ∫ÓN øe É¡dÉ°SQEG …ôéj ∂æÑdG πÑb øe áÑdÉ£e hCG QÉ£NEG

.kÉ«aÉc kÉÑ∏W hCG k GQÉ£NEG

∂æÑdG Oƒ«b :¿höû©dGh óMGƒdG

hCG á≤ëà°ùŸG ≠dÉÑŸG äÉÑKE’ á©WÉb áæ«H Èà©J ¬JÉHÉ°ùMh √Oƒ«bh ∂æÑdG äÓé°S ¿CÉH ¢VÎ≤ŸGh π«ØμdG ô≤j

¿ÉMöüjh ,∞jQÉ°üeh Ωƒ°SQh ä’ƒªYh óFGƒa øe É¡≤ë∏j Ée ™e ó≤©dG Gòg ÖLƒÃ ∂æÑ∏d ≥ëà°ùJ »àdG

É¡«∏Y ¢VGÎY’G ɪ¡æe …C’ hCG ɪ¡d ≥ëj ’h ɪ¡d áÑ°ùæH áë«ë°Uh á«FÉ¡f ¬JÉHÉ°ùMh ∂æÑdG Oƒ«b ¿CÉH

øY Éeó≤e ¿’RÉæàjh ,¬H ⋲YóŸG ≠∏ÑŸG hCG ó«°UQ QGó≤e ÚÑJ »àdGh ɪgó°V áæ«Ñc IQOÉ°üdG IOÉ¡°ûdG ¿ÓÑ≤jh

¬JÉaƒ°ûc hCG √Oƒ«b hCG ∂æÑdG äÓé°S RGôHEG ɪ¡d õ«éj ʃfÉb ≥M …CG øYh IOÉ¡°ûdG √òg áë°U ‘ ø©£dG

âfÉc á«FÉ°†b á¡L …CG iód ´ƒf …CG øe äGóæà°ùe …CGh √Oƒ«bh ¬JÓé°Sh ∂æÑdG äÉHÉ°ùM ≥«bóJ Ö∏W hCG/h

hCG á∏eÉ©e hCG óæ°S …CG ⋲∏Y ™«bGƒàdG áë°U ⋲∏Y ø©£dG ‘ kÉeó≤e ≥◊G •É≤°SEG Gòg πª°ûjh ,ÉgÒZ hCG

.É¡«∏Y Ú©bƒŸG hCG ™bƒŸG á«∏gCG ΩóY ∫ÉM ‘ hCG ó≤©dG Gòg ¿CÉ°ûH ¢†jƒØJ

ádÉØμdG ¿ÉjöS :¿höû©dGh ÊÉãdG

AGôHEG ÚM ¤EG ∂æÑdG IRƒëH ¢VÎ≤ª∏d ÚeCÉJ hCG ádÉØc …CG ¤EG áaÉ°VE’ÉH ,∫ƒ©ØŸG ájQÉ°S ádÉØμdG √òg ⋲≤ÑJ

.iôNCG á≤jôW …CÉH hCG ™aódG ∫ÓN øe ¬JÉeGõàdG áaÉc øe ¢VÎ≤ŸG áeP

Twenty: Liabilities of the Guarantor20.1 The Guarantor is liable to settle the full amount of the loan in joint and several with the

Borrower as per this Contract, the Guarantor undertake to pay all amounts and liabilities on the Borrower whether it is due to the Bank or will be due in future and any other liabilitiessuch as charges, interest, fees and expenses subject to the terms mentioned in this Contract, which will be a continues guarantee until full settlement for the loan amount along with the accumulated interests, charges, fees and any other expenses without any reservation.

20.2 The Guarantor undertakes to jointly and severally settle the due instalments immediately in the event of that by the Borrower failed to settle any amounts wholly or partially, the Bank shall have the right to debit the Guarantor’s account with the value of the instalments wholly or partially and any interests, charges, fees and any other applicable expenses pursuant to this Contract without the need to notify the Guarantor or obtain his prior consent. Guarantor’s signature: ..........................................................................................

20.3 ................................................................ (the third party) guarantee payment on demand of all money and liabilities, whether certain or contingent, now or hereafter owing or incurred to the Borrower on any current account, bills, cheques, promissory notes, debts or any other account or liability to the Bank of whatever origin, whether as principal or surety, and whether alone or jointly with any other person, and in whatever name, business title, or company including:-

In case of death, Bankruptcy/ insolvency or liquidation of the Borrower all sums which would be owing to the Bank by the Borrower at the time of the receipt by the Bank of notice of such death, Bankruptcy/ insolvency or liquidation, as if such death had occurred or such death, Bankruptcy/insolvency or liquidation had commenced at the time of actual receipt of the notice thereof and notwithstand-ing the actual date of such death, Bankruptcy /insolvency or liquidation.

All amounts borrowed from the Bank or liabilities due to the Bank notwithstanding that the borrowing or incurring such liabilities may be invalid or in excess of the powers of the Borrower or of any director, agent, or other person purporting to borrow or act on behalf of the Borrower, and notwithstanding any other irregular-ity in such borrowing of such liabilities.

20.4 Any money received hereunder may be placed and kept to the credit of a suspense account for so long as you think fit, without any obligation on the Bank to apply the same or any part thereof in or towards discharge of any money or liabilities due or incurred by the Borrower to the Bank. Notwithstanding the mentioned above, in the event of any proceedings in or analogous to Bankruptcy, insolvency, liquidation, the Bank may prove for and agree to accept any share or settlement in respect of the whole of any part or such money and liabilities due to you in the same manner as if this Guarantee had not been given nor enforced.

20.5 The Bank may at all times, without prejudice to this Guarantee and without discharg-ing or in any way affecting the Guarantor’s liability, hereunder:

Amending or increasing any credit to the Borrower.Grant the Borrower or any other person any grace periods or extensions for settlement.Settle any disputes with the Borrower or with any other person or other Guarantor.

20.6 The Guarantor liability hereunder shall not be affected by any failure by the Bank to take any security or by any invalidity of any security taken or by any existing or future agreement by the Bank as to the application of any advances extended on the Guarantor for any reason whatsoever.

20.7 If the Borrower and /or the Guarantor is a company or sole proprietorship or commer-cial shop, then the liability of the shareholders and the Guarantor’s guarantee shall remain a valid and continuous liabilty and guarantee, regardless of any change or amendment in the company’s Articles and Memorandum or its members of Associa-tion including changing the company from any type to another type and regardless of changing the commercial name or amending the company, sole proprietorship or commercial shop objectives and signing this Contract by the shareholder as a Guarantor shall be deemed as if he signed it as a personal Guarantor and as a shareholder in the company.

20.8 Any security now or hereafter held by the Guarantor from the Borrower in respect of the Guarantor liability hereunder shall be held in trust for the Bank and as security for the Guarantor liability hereunder.

20.9 Any notice or demand hereunder shall be deemed to have been duly addressed if sent by written letter to the Guarantor address last known to the Bank in Jordan or stated hereon and shall be assumed to have reached the Guarantor by simply depositing same in the post office. In case of the Guarantor death and until the Bank receives notice in writing proving the Guarantor’s will or the administration of his estate, any notice or demand sent by the Bank through post as aforesaid, shall for all purposes of this Guarantee be deemed a sufficient notice or demand by the Bank.

Twenty One: Bank RecordsThe Guarantor and the Borrower hereby acknowledge that the records of the Bank in respect of the amounts and liabilities that may be due based on this Contract along with the interests, charges, fees and any other expenses is constitute a final and conclusive proof of such outstanding balance and shall be binding on them and that they shall not be entitled to dispute such records or challenge their accuracy, and shall accept the certificate issued under the signature of the Bank reproducing the balance due to the Bank, and they relinquish their right to dispute the accuracy of the certificate and any other legal right that they may be entitled to them including to extract the Bank records or statements and / or to ask for auditing the Bank accounts and records or any of its documents from any kind to any judicial entity or other, and this relinquish shall also include relinquishing the right to dispute the correctness of the signatures on any document or delegation, authorization related to this Contract or in the event of incompetency of the signatory/signatories on these documents.

Twenty Two: Guarantee ValidityThis guarantee shall remain valid in addition to any guarantee or insurance related to the Borrower in favor of the Bank until the full clearance of the Borrower from all his liabilities through settlement of all outstanding balances or through any other way.

A-

B-

A-B-

C-

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äÓ°SGôŸG áq«é oM :¿höû©dGh ådÉãdG

öü◊G ’ ∫ÉãŸG π«Ñ°S ⋲∏Y É¡æeh ∂æÑdG äÓ°SGôe ™«ªL QÉÑàYG ⋲∏Y π«ØμdGh ¢VÎ≤ŸG øe πc ≥aGƒj

SMS IÒ°ü≤dG πFÉ°SôdGh (º∏«ahôμjÉŸG) Iô¨°üŸG ΩÓaC’Gh äÉ°ùμ∏àdGh äÉ«bÈdGh ¢ùcÉØdG πFÉ°SQh äÉHÉ£ÿG

øY ∂æÑdG É¡eó≤j …òdG á«JÉà°SƒJƒØdG Qƒ°Uh ÊhÎμdE’G ÜÉ°ù◊G äÉLôîà°ùŸGh ÉgÒZh ÊhÎμdE’G ójÈdGh

⋲∏Y á©WÉb áæ«H ÉgQÉÑàYG ⋲∏Yh á«fƒfÉ≤dG äÉÑKE’G πFÉ°Sh øe ¬JÉHÉ°ùMh √ôJÉaOh √Oƒ«bh ¬JÓé°Sh ¬JÉØ∏e

.É¡«∏Y ¢VGÎY’G hCG É¡H ø©£dÉH ɪ¡d ≥M …CG ¿É£≤°ùj ɪ¡fCGh É¡H OQh Ée áë°U

ÜÉ°ù◊G ∞°ûc ⋲∏Y ¢VGÎYE’G :¿höû©dGh ™HGôdG

äÉXƒë∏e ∂æÑ∏d π°üJ ⁄ GPEG q»FÉ¡f mƒëf ⋲∏Yh óªà©oe ¢VÎ≤ª∏d ∂æÑdG ¬∏°Sôj …òdG ÜÉ°ù◊G ∞°ûc qó©oj

óq«dÉH hCG ójÈdÉH ∞°û nμdG Gòg ∫É°SQEG iôL kAGƒ°S ,¬dÉ°SQEG ïjQÉJ øe kÉeƒj 30 ¿ƒ°†Z ‘ ¢VÎ≤ŸG πÑb øe ¬«∏Y

’h ,kÉ«FÉ¡f ¢VÎ≤ŸG πÑb øe ¬«∏Y kÉ≤aGƒ oe Gòg ÜÉ°ù◊G ∞°ûc ¿ƒμjh .áÑ°SÉæe ∂æÑdG ÉgGôj á≤jôW q…CÉH hCG

á≤aGƒeh ¬«a á n©LQ ’ k GQGôbEG IQƒcòŸG IóŸG ∫ÓN ¬«∏Y ¢VGÎYE’G ΩóY qó©oj PEG ,¬«∏Y ¢VGÎYE’G ¢VÎ≤ª∏d ≥ënj

¢VGÎYE’G Gòg πãe ´ƒbh äÉÑKEG AÖY ¢VÎ≤ŸG ⋲∏Y ™≤j ∫GƒMC’G ™«ªL ‘h .ÜÉ°ù◊G áë°U ⋲∏Y ¢VÎ≤ŸG øe

.√ÓYCG É¡«dEG QÉ°ûo ŸG IóŸG øª°V

á«fɪàFE’G äÉeƒ∏©ŸG :¿höû©dGh ¢ùeÉÿG

¿CÉH ¢VÎ≤ŸG ≥aGƒj ,á«fɪàFEG äÓ«¡°ùJ ájCG ¢VÎ≤ŸG íæe QGô≤d π°UƒàdG äÉjɨd hCG ¢VÎ≤ŸG íæe äÉjɨd

á«fɪàFEG äÉeƒ∏©e õcôe …CG iód IôaƒàŸG ¬H á≤∏©àe á«fɪàFEG äÉeƒ∏©e ájCG ⋲∏Y ´ÓWE’ÉH ≥◊G ∂æÑ∏d ¿ƒμj

.¿OQC’G ‘

äÉeƒ∏©ŸG ájöSh ìÉ°üaE’G :¿höû©dGh ¢SOÉ°ùdG

hCG/h ¬HÉ°ùëH h ¬H á≤∏©àŸG äÉeƒ∏©ŸG øY ¬FÓch h ¬«ØXƒe øe q…CGh ∂æÑdG í°üØj ¿CG ⋲∏Y ¢VÎ≤ŸG ≥aGƒj

â“ äÉ«∏ªYh áMƒæ‡ áfɪ°V q…CGh äÓ«¡°ùnàdG π«°UÉØJ ,öüM ɉhOh ∂dP ‘ Éà ∂ænÑdG ™e á

q«∏ª©dG ¬àbÓY

:¤EG ∂ænÑdG ™e äòîJG ™°VGƒeh Ió°UQCGh

áØ«∏◊G äÉcöûdG hCG ∂æÑ∏d á°†HÉ≤dG ácöû∏d áq«YôØdG äÉcöûdG øe q…CG hCG ∂æÑ∏d á«°ù«FôdG IQGOE’G

.(º¡d ìöüŸG ¢UÉî°TC’ÉH A’Dƒg ¤EG QÉ°ûjh) ¿Éμe …CG ‘ IOƒLƒŸG ¬Yhôa øe q…CG hCG ¬«∏㇠hCG ¬d

ìöü oª`dG ¢UÉî°TC’G øe Ú∏≤à°ùŸG øjóbÉ©àŸGh AÓcƒdG ,äÉeóÿG »eó≤e ,¿ƒ«æØdG ¿hQÉ°ûà°ùŸG

.º¡d ìöü oª`dG ¢UÉî°TC’G √ÉŒ áqjöùdÉH ΩGõàdE’G º¡≤JÉY ⋲∏Y ™≤j øjò∏dGh º¡d

É¡«∏Y ÖJÎj ó≤Y q…CG hCG/h Ö«JôJ …CG ∫ÓN øe ∂ænÑdG ™e á∏ªà hCG áªFÉb ácGöT ¬d ¢üî°T q…CG

hCG) ó≤©dG ∂dP ÖLƒÃ ¬d ∫ƒ≤æe hCG ¬«dEG ∫Éëo ŸG hCG ¬d ∫RÉæàe ¢üî°Th ∂ænÑdG ÚH Ée äÉeGõàdGh ¥ƒ≤M

.(óæÑdG Gòg ‘ ºgôcP ≥HÉ°ùdG ¢UÉî°TC’G øe q…C’ QÉ°ûà°ùe hCG π«ch q…CG

ÒZh IöTÉÑe ¿ÉªàFE’G ÚeCÉJ äÉeóN Ωó≤J á¡L hCG ÚeCÉJ π«ch hCG ÚeCÉJ ácöT hCG OɪàYG á¡L q…CG

.º¡d ìöüo ŸG ¢UÉî°TC’G øe ¢üî°T q…C’ IöTÉÑe

⋲∏Y á£∏°S äGP á«eƒμM ¬Ñ°T hCG á«eƒμM hCG á«aGöTEG hCG ᫪«¶æJ hCG ᫪«μ– á¡L hCG áªμ q…CG

.º¡d ìöüo ŸG ¢UÉî°TC’G

.¿OQC’G ‘ á«fɪàFEG äÉeƒ∏©e õcôe …CG

ÚfGƒ≤dG ÖLƒÃ ܃∏£ŸG ióŸG ¤EG ÜÉ°ù◊G äÉeƒ∏©e áqjöS ßØ◊ ∂ænÑdG ⋲©°ù«°S ,√ÓYCG ôcP Ée GóY ɪ«a

.áq«∏ëŸG ᪶fC’Gh

QGôbE’G :¿höû©dGh ™HÉ°ùdG

áaÉc ∫ƒÑbh ∂æÑdG ™e óbÉ©àdÉH º¡æe QGôbEG ó©j ó≤©dG Gòg ⋲∏Y π«ØμdG h ¢VÎ≤ŸG ™«bƒJ ¿G

.ó≤©dG ΩÉμMCGh •höT

GQGôbEG ó©j ¢Vô≤dG ÜÉ°ùëH ó≤©dG Gòg ÖLƒÃ √ÓYCG QƒcòŸG ¢Vô≤dG ≠∏Ñe ᪫b ó«≤H ∂æÑdG ΩÉ«b ¿EGh

ïjQÉJ øe GQÉÑàYG ä’ƒª©dGh óFGƒØdG ¿ÉjöS ó≤©dG Gòg ⋲∏Y ÖJÎjh ¢Vô≤dG ᪫b ¢†Ñ≤H ¢VÎ≤ŸG øe

.ó«≤dG ∂dP

Gƒ≤aGhh ó≤©dG ΩÉμMCGh •höT áaÉc º¡Øàd á«aÉμdG IóŸG GhòNCGh GhAôb º¡fCÉH π«ØμdGh ¢VÎ≤ŸG øe πc ô≤j

º¡≤M §≤°ùjh ,¢†≤æ∏d πHÉb ÒZh ¬æY ´ƒLQ ’ kÓeÉc ÉeGõàdG É¡«a OQh Éà ¿ƒeõà∏j º¡fCGh ¬JÉjƒà ⋲∏Y

.¬H á≤∏©àŸG Úª«dG hCG/h QGôbE’G ÜòμH ø©£dÉH kÉeó≤e

ó≤©dG ôjô– :¿höû©dGh øeÉãdG

.»Hô©dG ¢üædG Oƒ°ùj Ú°üædG ±ÓàNEG ∫ÉM ‘ h á«Hô©dG h ájõ«∏‚E’G Úà¨∏dÉH ó≤©dG Gòg QôM

¿É```≤``jôØdG É¡«∏Y ™∏WCG ±ôW πμd IóMGh Úàî°ùf ⋲∏Y QôMh IOÉe ¿höûYh á©Ñ°S øe ó≤©dG Gòg ¿ƒμàj

/ / ≥aGƒŸG Ωƒ«dG Gòg ‘ á≤aGƒŸÉH √ÉfOCG É©bhh É¡H OQh Ée ⋲∏Y É≤aGhh

.................................................................................................................................................................... ∫hC’G ¢VÎ≤ŸG ™«bƒJ

................................................................................................................................................................... ÊÉãdG ¢VÎ≤ŸG ™«bƒJ

................................................................................................................................................................................. π«ØμdG ™«bƒJ

................................................................................................................................................................... ∂æÑdG ∞Xƒe ™«bƒJ

.............................................................................................................................................................................................. :ïjQÉàdG

Twenty Three: Correspondence ProofBoth the Borrower and the Guarantor agree to consider the entire Bank correspondences including without limitation letters, facsimile, telegraph, telex, microfilm, SMS , e-mail etc.,in addition to electronic extracts, photo static copies submitted by the Bank’s of its documents, records and accounts as methods of legal evidence and shall be deemed as a conclusive evidence of the correctness of its content and that the Borrower and the Guarantor waive and relinquish their right to dispute or object on them.

Twenty Four: Dispute on Account StatementThe statement of account which the Bank send to the Borrower shall be considered finally accepted if the Bank does not receive remarks from the Borrower thereon within 30 days from the date on which it was sent, whether such statement was sent by mail or by hand or through any other means you may deem appropriate. Such statement shall be considered finally approved by the Borrower and the Borrower shall has no right to object to it, as the Borrower failure to object within the abovementioned period shall be construed a final admission and acceptance by the Borrower of the correctness of the account, and in all circumstances the burden of proving that such objection took place within the above mentioned period shall fall on the Borrower.

Twenty Five: Credit InformationFor the purposes of granting or determining to grant the Borrower any Credit Facilities, the Borrower agrees that the Bank reserves the right to access any credit information, pertaining to him, available with any Credit Bureau in Jordan.

Twenty Six: Information Disclosure and SecrecyThe Borrower hereby consent to the Bank and its officers and agents disclosing information relating to him and to his account(s) and/ or dealing relationships with the Bank, including but not limited to details of his facilities, security taken, transactions undertaken and balances and positions with the Bank, to:

The Head Office of the Bank, any of its subsidiaries or subsidiaries of its Holding Company, affiliates, representative and branch offices in any jurisdiction (referred as the “Permitted Parties”).Professional advisors, service providers, agents and independent Contractors of the permitted parties who are under the duty of confidentiality to the permitted parties.Any actual or potential participant or sub-participant in relation to any of the Bank’s rights and/or obligations under any agreement between us, or assignee, novatee or transferee (or any agent or advisor of any of the foregoing);Any rating agency, insurer or insurance broker of, or direct or indirect provider of credit protection to any Permitted Party;Any court or tribunal or regulatory, supervisory, governmental or quasi-governmental authority with jurisdiction over the Permitted Parties.Any Credit Bureau in Jordan.

Save as provided above, the Bank shall endeavor to preserve the secrecy of account information to the extent required by applicable local laws and regulations. Twenty Seven: Declaration

Signing this Contract by the Borrower and the Guarantor shall be deemed as an acknowledgement from both of them to Contract with the Bank and acceptance of the entire terms and conditions of the Contract. The Bank’s disbursement of the loan amount referred to hereinabove to the Borrower’s account shall be deemed as an acknowledgement from the Borrower of receiving the loan amount and accordingly the Contract shall be subject to the interest and charges shall be applied as of the date of the disbursement.

Both the Borrower and the Guarantor acknowledge that they have read and took sufficient time to understand the Contract entire terms and conditions and agree to its content and shall be bound to its content in full without having the right to object or protest and they waive their future to appeal against the denial of acknowledgement and/or the oath related to it.

Twenty Eight: Contract ExecutionThis Contract is executed in English and Arabic versions, and in case of any discrepancies, the Arabic version shall prevail.This Contract consists of twenty seven articles and two copies, one for each party and all parties have signed and agreed to this Contract on / /

Signature of the first Borrower …………………………......………………………....………..

Signature of the second Borrower ……………………………………….…………....………..

Signature of the Guarantor …………………….....……...…………………………....………..

Signature of the Bank employee …………………..........…………………………....………..

Date: ...................………….................……………………………………………....………..

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Dear Valued Customer, Please be advised that it is your right as a customer to raise a complaint about the services and products provided by Standard Chartered Bank Free of charge through the following means of communication: • Service Quality Unit for Retail Banking at +962 6

5508800 Extension 33120/33116 or through fax no. +962 6 5518946

• Through the PO Box: Shmeisani – Al- Thaqafa Street - PO Box 926190 Amman 11190 Jordan

• By Email to Feedback. Jordan@sc.com • You can contact our phone banking services available

to receive your inquiries and complaints during the hour on the toll free number 080022099 from inside Jordan and telephone + 962 6 5658011 from outside Jordan

• Suggestion boxes located in all branches of the bank • Visit the bank's website through www.sc.com/jo

It is also worth mentioning that the turnaround time for resolving your complaints would be 5-20 working days depending on the category of the complaint. You will be advised with the expected turnaround time on the time a complaint is actually raised.

On the other hand, please be aware that you have the right to refer your complaint to the Central Bank of Jordan or the legal authorities in case you are not satisfied with the decision submitted by the complaint processor to your expectations. Accordingly, please refer to the contact details of the Central Bank of Jordan

Mailing Address: P.O.Box 37 Amman 11118 JordanTelephone number : 06-4630301Email Address: Info@CBJ.gov.jo

Client Name: ..............................................................................................................

Client Signature: .....................................................................................................

Date: .................................................................................................................................

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Shmeissani BranchP.O.Box 926190 Amman 11190Tel: 06-5607201Fax: 06-5654239

6th Circle BranchP.O.Box 926190 Amman 11190Tel: 06-5508800 Fax: 06-5519361

Taj Mall BranchP.O.Box 926190 Amman 11190Tel: 06-5826701 Fax: 06-5827167

Mecca Street BranchP.O.Box 926190 Amman 11190Tel: 06-5542589 Fax: 06-5542583

Irbid BranchP.O.Box 14 Irbid 21110Tel: 02-7242030 Fax: 02-7243375

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11190 ¿ÉªY 926190 Ü.¢U

06‐5607201 :∞JÉg

06‐5654239 :¢ùcÉa

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11190 ¿ÉªY 926190 Ü.¢U

06‐5508800 :∞JÉg

06‐5519361 :¢ùcÉa

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11190 ¿ÉªY 926190 Ü.¢U

06‐5826701 :∞JÉg

06‐5827167 :¢ùcÉa

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11190 ¿ÉªY 926190 Ü.¢U

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06‐5542583 :¢ùcÉa

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21110 óHQEG 14 Ü.¢U

02‐7242030 :∞JÉg

02‐7243375 :¢ùcÉa

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