Provision of "Al Ansari Financial Brokerage Internet" Service by Al Ansari Financial Brokerage for execution of local shares trading transactions via the Internet is subject to the following Terms & Conditions:

In these Terms & Conditions, the following terms shall have the meanings indicated opposite thereto below: "MS": means Al Ansari Financial Brokerage. "Customer" or "User": means any natural or juristic person who sets up an account under his/her name with the MS and subscribes to MS Service. "Service": means "Al Ansari Financial Brokerage Internet" Service for execution of local shares trading transactions via the Internet.

Local shares trading transactions via the Internet shall included those services the MS shall determine, it its sole discretion, to be covered in the Service as it deems fit from time to time. The Service does not constitute an offer for or solicitation to the Customer to subscribe to any of the investment services provided by the MS.

The Customer hereby authorizes the MS to accept and act upon electronic instructions submitted via the Internet and to respond to any Customer inquiries so received.

The Customer acknowledges and consents that MS has advised him/her, and that he/she has taken note, of current technology restrictions and limitations, limitations and restriction on “Al Ansari Financial Brokerage Internet” Service utilization, that Service availability without interruption depends on technology applications and level of compliance with the restrictions on Service utilization, and accordingly hereby releases MS from any and every liability which may arise as a result of Customer’s inability to use the Service for any reason whatsoever.

The MS will charge the Customer the agreed fees (in consideration for subscription, continuous availability and utilization of the Service) as the MS may prescribe from time to time. The MS reserves the right to alter any fees at anytime immediately after notification to the Customer who hereby authorizes the Bank to charge the fees to any of the Customer accounts held with his/their Bank

The MS reserves the right to refuse to provide the Service to any customer for any reason whatsoever, and to refuse to act upon or respond to any instructions or queries it may receive from the Customer via the Internet without stating any reasons.

The Customer shall keep strictly confidential his/her own USER ID and Password(s), and undertakes to never disclose his/her USER ID to any third party including Bank employees. Accordingly, the MS does not accept liability for any claim or loss resulting from disclosure of the Customer’s Password or transactions passed over the account that are not performed by the Customer. If the Customer suspects that any person has knowledge of his/her Password(s), the Customer must immediately notify the MS verbally, written confirmation to follow. The Customer will be solely responsible for all instructions and inquiries actually made or which may be made until the MS receives written confirmation and acknowledges receipt of the notification.

All equipment advanced by the MS to the Customer are and shall remain the exclusive property of the MS. The Customer agrees and undertakes to return these equipment to the MS immediately on demand in their original “as recieved” condition.

The Customer consents and warrants that the Customer will not copy, reproduce or amend any software, pages or documents provided by the MS nor will the Customer download or divert the Service software from any computer or electronic device to any other computer or electronic device.