The website of www.e-gulfbank.com ("Website") is owned and operated by Gulf Bank KSCP ("Gulf Bank").

The description in this Website of Gulf Bank products is provided for information only and is not intended to offer such products to any person, to advise any person to invest in any such product or to induce or attempt to induce any person to invest in any such product.

Nothing on, or accessed via, the Website should be construed as an offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction. You should obtain relevant and specific professional advice before making any investment decision.

None of the services, investments or mutual funds referred to in or on the Website are available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contradictory to local law or regulation.

The information and opinions contained in the Website are provided for personal use and informational purposes only and are subject to change without notice. Nothing contained on the Website constitutes investment, legal, tax or other advice nor is to be relied on in making an investment or other decision.

All intellectual property rights, including without limitation, rights in any logos and brands and copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Gulf Bank unless otherwise indicated.

The information and materials contained in the Website, including text, graphics, links or other items are provided AS IS, AS AVAILABLE. Gulf Bank does not warrant the accuracy, adequacy or completeness of this information and materials, and expressly disclaims all liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchant-ability, fitness for a particular purpose and freedom from computer virus, is given with respect to the Website, or the information and materials available or through the Website.

Electronic Banking General Terms Of Usage

The Customer agrees, accepts and acknowledges that the first use of Gulf Bank Electronic Banking Service constitutes his/her acceptance and unconditional agreement to be legally bound by the respective service Terms and Conditions.

The Bank shall not be responsible for any loss or damage, including but not limited to loss, cost or damages or immediate refund, which may arise from failure to properly identify the beneficiary or for non-payment of any Electronic Payment Instrument because of any loss, theft, misplacement, error, omission, destruction, or mutilation.

The Bank Exclusions and Limitation of Liability

Neither Gulf Bank nor any of its agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if Gulf Bank is advised of the possibility) arising in any way in connection with:

• the Website;
• the use, inability to use, result of any use, or linking, of the Website;
• any materials contained on or obtained through, this Website;
• the Electronic Banking Service; or
• any information transmitted via this Website.

Gulf Bank is not liable for any loss or damage that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of the Website.

Gulf Bank will not be liable for any action taken, or any delay or failure to take any action to the extent that the taking of such action, or such delay or failure, arises out of causes beyond Gulf Bank's reasonable control.

Communication

Customers are reminded that Gulf Bank will never send an email with a link asking the customer to enter or confirm their bank details. Such emails should be ignored and deleted. Customer should avoid sending or furnishing personal and financial information on email. Also prior to providing any information (financial or personal) on a website, the customer should verify the status of the website, its address and of the owners/operators of the website, and make sure that the URL (Uniform Resource Locator) that appears in the "address" or "location" box on the browser window is the one the customer wishes to access.

The Electronic Banking Services will be available 24 hours a day, 7 days a week, but may be unavailable from time to time for routine maintenance and for any reasons beyond the control of Gulf Bank. Processing of some transaction types may not be available 24 hours a day and these instances will be advised to customer at the sole discretion of the Gulf Bank.

Gulf Bank may also provide customer information to carefully selected third parties whose products or services Gulf Bank believes maybe of interest to the customer. If the customer does not wish Gulf Bank to disclose this information in this way, the customer has an option to forward a blank mail message to marketing@gulfbank.com.kw.

Submission of Information

Customer's attention is drawn to the fact that information transmitted using the World Wide Web is susceptible to interception, hacking and monitoring. Customers acknowledge and understand this risk, and further agree that they shall bear the risk of transmitting such information via the World Wide Web. Gulf Bank is not liable for losses of any nature in respect of such transmission. Gulf Bank may from time to time introduce technology and procedures which seek to prevent (but does not guarantee) that information from being compromised.

All information submitted to and received by Gulf Bank using this Website is deemed to be the sole property of Gulf Bank which shall be entitled to use such information for any purpose, ideas, concepts, marketing, know how or techniques.