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General Terms and Conditions for Accounts and Islamic Banking Services in the UAE

Pursuant to the Central Bank of the UAE Regulation 29/2011 and the standard General Terms and Conditions for Accounts and Islamic Banking Services issued by the Central Bank of the UAE through Notice No. 3692/2012 dated 17/07/2012, we hereby enclose a copy of the Terms and Conditions and the Addendum specific for Abu Dhabi Islamic Bank PJSC(the “Bank”).

Please note that the enclosed Terms and Conditions and the Addendum, and the Announcement of Profit Distribution Method (displayed by the Bank in the branches and/or available on the Bank’s website www.adib.ae) shall become effective as of [1/5/2019] (the “Effective Date”). The Terms and Conditions, Addendum and the Announcement of Profit Distribution Method mentioned above shall replace and supersede the Banking Services Agreement and any amendments therein in their entirety signed between you and the Bank previously. Any transaction conducted on your account(s) on and after the Effective Date shall be deemed to be an acceptance by you of the Terms and Conditions, Addendum and the Announcement of Profit Distribution Method mentioned above.


Terms and Conditions and the Addendum

Announcement of Profit Distribution Method