Article 20: Auditor

1- The Debt-Based Crowdfunding Company shall appoint one or more certified external auditors. A written non-objection letter for such appointment shall be obtained from SAMA. SAMA may appoint another auditor at the Company's expenses whenever its business' size and nature require so. 2- SAMA may require the external auditor to explain their report or disclose other facts from which they obtain knowledge in the course of an audit that could indicate a violation of the applicable laws, regulations, or instructions or a violation of the by-laws of the Company.