WIXLIB

Card fees» ùæ « ùcEGè« ØjôH OÉfôjÉÑ SCGºgQO 525Å T’Å T’ºgQO 1312 50Å T’Å T’Å T’ºgQO 1050ºgQO 630Å T’ºgQO 2625ºgQO 1050ºgQO 525Å T’3.25%ºgQO 1050ºgQO 315Å T’ºgQO 2625ºgQO 525ºgQO 262 50Å T’%3 25Up to 1.50%%1 50 àMLate Payment FeeAED 241.50Cash Advance Fee3.15% or AED 52.50 (whichever is higher)Islamic Credit Shield (Takaful)0.9345% of the total outstanding balanceºgQO 241 50(ÌcCG ɪ¡jCG) ºgQO 52 50 hCG %3 15 ëà ùŸG ó« UôdG ‹ÉªLEG øe %0 9345á eÉ ŸG Ñe ‹ÉªLEG øe %2 99(á eÉ e πc øY) ºgQO 5 25Annual Membership FeeAspirePrivilege ClubExcellencyTouchPoints Infinite CardAED 1,050AED 1,050AED 525AED 630AED 315NilTouchPoints Platinum Card (free for the first year)NilNilNilEtihad Infinite CardAED 2,625AED 2,625AED 1,312.50Etihad Signature CardAED 1,050AED 525NilEtihad Platinum CardAED 525AED 262.50NilSupplementary CardsNilNilNilTouchPoints Gold CardMonthly Profit RateBalance Transfer/Pay Order Facility/Instalment PlansForeign Currency Transaction MarginExchange House Payment Charge2.99% of the total transaction amountAED 5.25 (per transaction) àbÉ Ñd ájq ƒæ ùdG Ωƒ SôdGájƒæ ùdG ájƒ † dG Ωƒ SQâ«æ«ØfG ùàæjƒH ûJÉJ ábÉ H( dhC’G áæ ù d Ék fÉ›) á«æ«JÓÑdG ùàæjƒH ûJÉJ ábÉ Há«ÑgòdG ùàæjƒH ûJÉJ ábÉ Hâ«æ«ØfG OÉ–’G ábÉ Hô ûàæ « S OÉ–’G ábÉ Há«æ«JÓÑdG OÉ–’G ábÉ Há«aÉ VE’G äÉbÉ ÑdGáÑ ùàëŸG ájô¡ ûdG ìÉHQC’G/ aódG ôeGhCG äÓ«¡ ùJ/ó« UôdG πjƒ– É ùbCG Y aódG á NôNCÉàŸG aódG Ωƒ SQájó ædG áØ ùdG Ωƒ SQ» aɵàdG ÊɪàF’G QódG Ωƒ SQá«ÑæLC’G äÓª dÉH äÓeÉ ŸG ûeÉgáaGô üdG äÉcô T iód aódG Ωƒ SQ᪫ dG áÑjô V ÚfGƒ d Ék ÑW ôNB’ âbh øe Ò« à d á VÉÿG áÑ ùædG gh %5 áÑ ùæH áaÉ †ŸG ᪫ dG áÑjô V øª †àJ Ö dG Gòg ‘ IQƒcòŸG Ωƒ SôdG «ªLÊhεd’G bƒŸG Y QÉéàdG »ÑXƒHCG æH øe OGôaCÓd á«aô üŸG äÉeóÿG hô Th ΩɵMCG Y ÓW’G øµÁ .IóëàŸG á«Hô dG äGQÉeE’G ádhO ‘ áaÉ †ŸGAll Charges stated herein are inclusive of 5% VAT, which may be amended from time to time inaccordance with UAE VAT Law and ADCB Consumer Banking Terms and Conditions available onadcb.comadcb.com» ù«FôdG Ö dG Ωó e QGôbEGDeclaration by principal card applicantIn consideration of my application for the Abu Dhabi Commercial Bank Islamic Banking (referred to asADCB in this form) Covered Card(s), I hereby declare that all statements made by me in this applicationare true and correct to the best of my knowledge and authorise ADCB to make any and all creditinvestigations that are deemed appropriate. « Y jh) á«eÓ SE’G áaÒ üdG IôFGO -. .Ω. T QÉéàdG »ÑXƒHCG æH øe IÉ e äÉbÉ H/ábÉ H Y ƒ üë d Ö W Ëó àd Gk ô¶f æÑdG VƒaCG h »ª Y π †aCG Ö ùM á« « Mh áë«ë U Ö dG Gòg ‘ » Ñb øe áeó ŸG äÉfÉ«ÑdG áaÉc ¿CÉH ÑLƒÃ ó«aCG ,(” æÑdG” » j ɪ«a.áÑ SÉæe ÉgÈà j »àdG á«fɪàF’G äGQÉ ùØà S’G áaÉch øe CG πª HI understand that ADCB can decline this application without assigning any reason whatsoever and thatthe application and its supporting documents will become a part of ADCB’s records and will not bereturned to me. I authorise ADCB to issue Supplementary Card(s) for use on my account to theperson(s) named, who I undertake, is/are over 18 years of age and agree that the Bank may provideinformation to him/her about the account. I hereby agree to indemnify the Bank against any loss,damage, liability or costs incurred by the Bank on account of any breach by me or the SupplementaryCardholder(s) of the aforesaid condition or the Covered Card Terms and Conditions or the IslamicBanking Consumer Terms and Conditions or by any reason of any legal disability or incapacity of theSupplementary Cardholder(s).øe Gk AõL íÑ üJ ƒ S d áªYóŸG äGóæà ùŸGh Ö dG ¿CGh âfÉc ɪ¡e ÜÉÑ SCG CG AGóHEG ¿hO Ö dG Gòg †aQ æÑ d øµÁ fCG QOCG ÊEG UÉî TC’G/ ª SG QƒcòŸG üî ûdG dEG »HÉ ùM Y á«aÉ VEG äÉbÉ H/ábÉ H QGó UEÉH æÑdG VƒaCGh .‹ É¡JOÉYEG ºàj ødh æÑdG äÓé SA’Dƒg dEG »HÉ ùM øY äÉeƒ e Ëó J æÑ d Rƒéj fCG Y aGhCGh .ô ûY áæeÉãdG ø S Ghó J ób º¡fCÉH ó¡ JCG øjòdGh º¡Fɪ SCG IQƒcòŸG CG ÖÑ ùH æÑdG Égóѵàj «dɵJ hCG äÉeGõàdG hCG QGô VCG hCG ôFÉ ùN CG øY æÑdG †jƒ J Y ÑLƒÃ aGhCGh .º¡æe CG hCG UÉî TC’GábÉ ÑdG hô Th ΩɵMC’ hCG ôcòdG fB’G ô û d á«aÉ VE’G äÉbÉ ÑdG á ªM/á«aÉ VE’ G ábÉ ÑdG πeÉM ÖfÉL øe hCG »ÑfÉL øe áØdÉflá« gCG ΩóY hCG õéY CG øY œÉf ÖÑ S C’ hCG á«eÓ SE’G áaÒ üdG e 𫪠dG äÓeÉ Jh ábÓY ºµ– »àdG hô ûdGh ΩɵMC’G hCG IÉ ŸG.á«aÉ VE’ G äÉbÉ ÑdG á ªM/á«aÉ VE’G ábÉ ÑdG πeÉ á«fƒfÉbThe Covered Card Terms and Conditions and the Islamic Banking Consumer Terms and Conditionsand the Service and Price Guide will be made available to me in any form including but not limited toin either printed or digital form along with the Covered Card(s) and my activation of the card(s)confirms that I have received, read and agreed to the conditions mentioned therein. I further agree thatthe contents of the Covered Card Terms and Conditions, the Islamic Banking Consumer Terms andConditions and the Service and Price Guide including amendments, which ADCB may make from timeto time, will be binding upon me. I also understand that ADCB can change the fees and chargeswithout giving me any notice.äÉeóÿG hóLh á«eÓ SE’G áaÒ üdG e 𫪠dG äÓeÉ Jh ábÓY ºµ– »àdG hô ûdGh ΩɵMC’Gh IÉ ŸG ábÉ ÑdG hô Th ΩɵMCGá « üH hCG á«bQh áî ùf ‘ ÉeEG ,ô ü G ’ ÉãŸG π«Ñ S Y , dP ‘ ÉÃ á « U hCG πµ T CÉH É¡« Y ÓWEÓd ‹ áMÉàe ¿ƒµJ ƒ S Ωƒ SôdGh J ‘ IQƒcòŸG hô ûdG Y â aGhh â WGh ⪠à SG ób »æfCG äÉbÉ ÑdG/ábÉ Ñ d » « ØJ ócDƒjh .IÉ ŸG äÉbÉ ÑdG/ábÉ ÑdG e ᫪bQ𫪠dG äÓeÉ Jh ábÓY ºµ– »àdG hô ûdGh ΩɵMC’G ,IÉ ŸG ábÉ ÑdG hô Th ΩɵMCG äÉjƒàfi ¿CG Y aGhCG ɪc . hô ûdGh ΩɵMC’G.‹ áeõ e ¿ƒµJ ƒ S ôNBG dEG âbh øe æÑdG É¡ Nój ób »àdG äÓjó àdG dP ‘ Éà Ωƒ SôdGh äÉeóÿG hóLh á«eÓ SE’G áaÒ üdG e.‹ QÉ TEG CG «LƒJ ¿hO QƒLC’Gh Ωƒ SôdG Ò« J æÑ d Rƒéj fCG Ék †jCG QOCGhΩɵMC’ G dEG †îj ÜÉ ù G Gòg ¿CGh »ª SEÉH QÉL ÜÉ ùM íàØj ƒ S ,Ö dG Gòg Y á aGƒŸG óæY , æÑdG ¿CG ÑLƒÃ ôbCGh aGhCG.á«aô üŸG äÉHÉ ù G π« ûJh íàa Uƒ üîH æÑdG πÑb øe IQô ŸG hô ûdGhI hereby agree and acknowledge that ADCB will open a current account on approval of thisapplication. Such current account shall be governed by the terms and conditions prescribed by ADCBin relation to opening and operations of bank accounts.OóëŸG ÊɪàF’G ó G hÉ ùj Ñà ÓYCG «dEG QÉ ûŸG ÜÉ ù G Y ܃ë ùe ñQDƒe ÒZ « ûH æÑdG IÉaGƒÃ ó¡ JCG ɪc dÉÑŸG äÉ aO OGó S ‘ »ÑfÉL øe ÉØNEG hCG ÓNEG CG OƒLh ádÉM ‘h .»H á UÉÿG QÉéàdG »ÑXƒHCG æH øe IÉ ŸG äÉbÉ ÑdÉH/ábÉ Ñ døµj ¿EG ,QƒcòŸG « ûdG ïjQCÉàH æÑdG ÑLƒÃ VƒaCG ,(á«aÉ VE’G äÉbÉ ÑdG áaÉc dP ‘ ÉÃ) »H UÉÿG ábÉ ÑdG ÜÉ ùM ‘ á ëà ùŸG. aó d Áó Jh ó H îjQCÉJ ” óbI further undertake to provide ADCB an undated cheque drawn on the above referred current account,for an amount equivalent to the limit assigned on my ADCB Covered Card(s). In the event of a defaultor failure by me to effect payments of the outstanding amount under my Card Account (including allSupplementary Cards), I hereby authorise ADCB to insert the date on the said cheque, if undated andpresent it for payment.áãdÉãdG GôWC’G øe äÉeóN Ohõe øY áHÉ«ædÉH äÉ †«ØîàdGh ÉjGõŸGh ƒ G † H Vô H ôNBG dEG âbh øe Ωƒ j ƒ S æÑdG ¿CÉH ôbCGΩGóîà S’G hô Th ΩɵMCÉH ΩGõàd’G Ö àj æÑdG ÓN øe á Vhô ŸG äÉ †«ØîàdGh ÉjGõŸGh ƒ G ΩGóîà SG ¿CG Y ÑLƒÃ aGhCGh.iôNC’G dÉÑŸGh Ωƒ SôdGh QƒLC’G aO dP ‘ Éà æÑdG hCG/h áãdÉãdG GôWC’G øe áeóÿG Ohõe πÑb øe IOóëŸGCardholder acknowledges that the Bank shall from time to time offer to the Cardholder certain rights,benefits and discounts on behalf of third party service providers. Cardholder hereby agrees that use ofthe rights, benefits and discounts offered via the Bank shall require compliance with the terms of usespecified by the third party service provider and/or the Bank, including payment of fees, charges andother amounts.ä’Éch/ádÉch hCG ¿ÉªàFG Öàµe CG dEG áHƒ e á« üî T äÉfÉ«H CG hCG/h »ª SG ádÉMEG æÑ d Rƒéj fCG aGhCGh ôbCGh ⪡ah äCGôb ó d.Ék Ñ SÉæe æÑdG Èà j ÉªÑ ùM äGQÉ ùØà S’G J πªY hCG/h á« LôeI have read, understood, acknowledge and agree that the Bank may refer my name and/or anypersonal data required to any credit bureau or reference agency/agencies and/or make suchreferences and enquiries as the Bank may consider necessary.Gòg Ö dG êPƒ‰ ‘ É¡ « UÉØJ IQƒcòŸG áëHGôŸG SÉ SCG Y æÑdG øe ùdG AGô ûH óæà ùŸG Gòg ÖLƒÃ 𫪠dG ó jThe customer hereby promises to purchase the Commodities from the Bank on a Murabaha basis asper the details mentioned in this application form.SignatureDate d dm my yïjQÉàdGy y§ a æÑdG ΩGóîà SE’For Bank Use OnlyCIF No.𫪠dG «bƒJ e ºbQ𫪠dG äÉeƒ e ôØdG õeQBranch CodePromo Code11»éjhÎdG õeôdGPromo Code33»éjhÎdG õeôdG(4)CIDSource CodePromo Code2𫪠dG jô J ºbQQó üŸG õeQ2»éjhÎdG õeôdG

Card feesAnnual Membership FeeAspireOn-Sale Agency AgreementAED 1,050TouchPoints Infinite CardTouchPoints Platinum Card (free for the first year)AED 630Privilege ClubExcellencyAED 1,050AED 525AED 315Nil» ùæ « ùcEGNil its sellingNilagent inhereby appointsNilthe Bank asAED 1,312.50AED 2,6252,625Etihad connectionInfinite Cardwith the sale ofAEDRelevantCommoditiesthat theNilAED525AED 1,050Etihad CustomerSignature Card may have purchasedfrom the Bank on a MurabahaNilAED 262.50AED 525Etihad Platinum Cardbasis under a Murabaha Contractsubjectto the rightsandNilNilNilSupplementary Cardsobligations set out in the Bank’s Covered Card Terms and3.25%Monthly Profit RateConditions and the Islamic Banking Consumer Terms andBalance Transfer/Pay Order Facility/Up to 1.50%Conditionsare available at ereby accepts its appointment asAgent.AEDInvestment241.50Late Payment3.15% or AED 52.50 (whichever is higher)Islamic Credit Shield (Takaful)0.9345% of the total outstanding balanceForeign Currency Transaction MarginExchange House Payment ChargeôjÉÑ SCG àbÉ Ñd ájq ƒæ ùdG Ωƒ SôdGájƒæ ùdG ájƒ † dG Ωƒ SQ عقد وكالة بيع â«æ«ØfG ùàæjƒH ûJÉJ ábÉ HºgQO 1050ºgQO 525ºgQO 1050( dhC’G áæ ù d Ék fÉ›) á«æ«JÓÑdG ùàæjƒH ûJÉJ ábÉ HºgQO 630Å T’ºgQO 315 ùàæjƒH ûJÉJ ábÉ HÅ T’ البنك ب صفة وكيل بيع له ل á«ÑgòdGÅ T’ التي قد يكون Å T’ العميل أغرا ض بيع ال سلع املعنية مبوجبه العميل يعني â«æ«ØfG OÉ–’G2625 ب شرائها من البنك على أ سا س املرابحة ºgQO 1312 50 احلقوق ºgQO2625 مرابحة ºgQO وااللتزامات مبوجب بعقد قام ábÉ H قد ô ûàæ « SábÉ HºgQO لدى 1050 أحكام وال شروط للبطاقة املغطاة 525 البنك وال حتكم Å T’ وال شروط التي ºgQO أحكام يف ال OÉ–’G املذكورة á«æ«JÓÑdG OÉ–’G ábÉ HºgQO 525Å T’ºgQO 262 50 وميكن االطالع على الأحكام وال شروط على ، عالقة وتعامالت العميل مع ال صريفة الإ سالمية á«aÉ VE’G äÉbÉ ÑdGÅ T’Å T’. ب صفة وكيل بيع مبوجبه تعيينه Å T’ ويقبل البنك .adcbislamic.com/covered%3 25áÑ ùàëŸG ájô¡ ûdG ìÉHQC’G/ aódG ôeGhCG äÓ«¡ ùJ/ó« UôdG πjƒ–%1 50 àM É ùbCG Y aódG á NºgQO 241 50ôNCÉàŸG aódG Ωƒ SQ(ÌcCG ɪ¡jCG) ºgQO 52 50 hCG %3 15ájó ædG áØ ùdG Ωƒ SQ ëà ùŸG ó« UôdG ‹ÉªLEG øe %0 9345» aɵàdG ÊɪàF’G QódG Ωƒ SQá eÉ ŸG Ñe ‹ÉªLEG øe %2 99á«ÑæLC’G äÓª dÉH äÓeÉ ŸG ûeÉg(á eÉ e πc øY) ºgQO 5 25áaGô üdG äÉcô T iód aódG Ωƒ SQTouchPointsCardTheGoldCustomerCash Advance Feeè« ØjôH OÉf2.99% of the total transaction amountAED 5.25 (per transaction).᪫ dG áÑjô V ÚfGƒ d Ék ÑW ôNB’ âbh øe Ò« à d á VÉÿG áÑ ùædG gh %5 áÑ ùæH áaÉ †ŸG ᪫ dG áÑjô V øª †àJ Ö dG Gòg ‘ IQƒcòŸG Ωƒ SôdG «ªLÊhεd’G bƒŸG Y QÉéàdG »ÑXƒHCG æH øe OGôaCÓd á«aô üŸG äÉeóÿG hô Th ΩɵMCG Y ÓW’G øµÁ .IóëàŸG á«Hô dG äGQÉeE’G ádhO ‘ áaÉ †ŸGAll Charges stated herein are inclusive of 5% VAT, which may be amended from time to time inaccordance with UAE VAT Law and ADCB Consumer Banking Terms and Conditions available onadcb.com العميل adcb.comCustomer» ù«FôdG Ö dG Ωó e QGôbEGDeclaration by principal card applicantIn consideration of my application for the Abu Dhabi Commercial Bank Islamic Banking (referred to asADCB in this form) Covered Card(s), I hereby declare that all statements made by me in this applicationare true and correct to the best of my knowledge and authorise ADCB to make any and all creditinvestigationsthat are deemed appropriate. « Y

ADCB in this form) Covered Card(s), I hereby declare that all statements made by me in this application are true and correct to the best of my knowledge and authorise ADCB to make any and all credit investigations that are deemed appropriate. I understand that ADCB can decline this app