Common use of Operation of Accounts Clause in Contracts

Operation of Accounts. (a) The Bank, at its sole discretion, is hereby authorized to act on Instructions, instruments or documents drawn or accepted in accordance with the instructions given in the Account Application or by attorney(s) duly authorized by the Customer without making any enquiry until such time as the Customer gives the Bank written notice to the contrary. (b) The Customer understands that the Bank acts only as the Customer’s collecting agent and assumes no responsibility for the realisation of any items deposited with the Bank for collection. The Customer hereby authorizes the Bank to accept for safekeep- ing, collection or for any other purpose, any securities or other property deposited with the Bank or received from the Customer. (c) Where applicable, the Customer undertakes to advise the Bank immediately of any change in their constitution, legal status, and any other information relevant to their legal existence, status and business activities and periodically provide the Bank with copies of the such documents the Bank may request from time to time in this connection. (d) The Bank reserves the right to request evidence of the Customer details. All written notices, statements and other information will be sent to the address of the first named Customer and be deemed to be duly received by the Customer(s). (e) The Bank reserves the right to request additional information and/or documenta- tion of the Customer. The Bank may also ask the Customer to provide proof of the source of any funds deposited or the underlying transaction for any entry in the Account and delay processing any Transaction until such proof is provided. (f) The Customer acknowledges that the Bank’s records alone will be conclusive and binding in case of any dispute. (g) The Customer acknowledges that the Bank shall be under no duty to verify the identity of the Customer’s messenger or any other person(s) delivering the Customer’s NOTE | ﺔﻅ ﻭﺣﻠﻣ : Continued on next page | ﺔﻳﻟﺎﺗﻟﺍ ﺔﺣﻔﺻﻟﺍ ﻲﻓ ﻊﺑﺗﻳ . .ًﺎﻳﻣﻟﺎﻋ ﺎﻬﺑ ﻑﺭﺗﻌﻣ ﺭﻳﻳﺎﻌﻣ ﻰﻟﺇ ًﺍﺩﺎﻧﺗﺳﺍ ﺏﺎﺳﺣ ﻝﻛﻟ ﺭﺩﺎﺻﻟﺍ ﺹﺎﺧﻟﺍ ﻡﻗﺭﻟﺍ ﻲﻧﻌﺗ "ﻥﺎﺑﻳﺁ" ﻪﻳﻟﺁ ﺕﻧﺎﻛ ءﺍﻭﺳ ،ﺕﺎﻣﻭﻠﻌﻣﻟﺍ ﺔﻣﺩﺧﻭ ﻑﺗﺎﻬﻟﺍ ﺭﺑﻋ ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﻲﻧﻌﺗ "ﻑﺗﺎﻬﻟﺍ ﺭﺑﻋ ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﻣﺩﺧﻟﺍ" .ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﻣﺩﺧﻟﺍﻭ ﺔﻳﻣﻼﺳﻹﺍ ﺕﺎﺟﺗﻧﻣﻠﻟ ﻙﻧﺑﻟﺍ ﻝﺑﻗ ﻥﻣ ﺎﻫﺭﻳﻓﻭﺗ ﻡﺗﻳ ﻲﺗﻟﺍ ءﻼﻣﻌﻟﺍ ﺔﻣﺩﺧ ﻝﻳﻛﻭ ﺭﺑﻋ ﻭﺃ ﺔﻗﺎﻁﺑ ﻰﻟﺇ ﻝﻭﺻﻭﻟﺍ ﻭﺃ ﻡﺍﺩﺧﺗﺳﻼﻟ ﻙﻧﺑﻟﺍ ﻝﺑﻗ ﻥﻣ ﻪﻣﻳﺩﻘﺗ ﻡﺗﻳ ﺎﻣﻟ ًﺎﻘﻓﻭ ﻑﺗﺎﻬﻟﺍ ﻑﻳﺭﻌﺗ ﻡﻗﺭ ﻭﺃ ﻲﺻﺧﺷﻟﺍ ﻥﻣ ﻪﺑ ﻅﺎﻔﺣﻹﺍﻭ ﻪﺳﻳﺳﺄﺗ ﻡﺗﻳ ﻊﻗﻭﻣ ﻱﺃ ﻭﺃ ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇ ﺩﺣﻭﻣﻟﺍ ﺩﺭﺍﻭﻣﻟﺍ ﻑﺭﻌﻣ .ﻝﻳﻣﻌﻟﺍ ﺏﺎﺳﺣ ﻰﻠﻋ ﺩﻳﻳﻘﺗﻟﺎﺑ ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﺑﺎﺳﺣﻟﺍ (B ﺏﺎﺳﺣ ﻝﻳﻐﺷﺗﻭ ﺢﺗﻓ (2 .ﺓﺩﺣﺗﻣﻟﺍ ﺔﻳﺑﺭﻌﻟﺍ ﺕﺍﺭﺎﻣﻹﺍ ﻥﻳﻧﺍﻭﻗ ﻰﺿﺗﻘﻣﺑ ،ﻙﻧﺑﻟﺍ ﺔﻘﻓﺍﻭﻣ ﺏﺟﻭﻣﺑ ﻙﻧﺑﻟﺍ ﻊﻣ ﺏﺎﺳﺣ ﻝﻳﻣﻌﻟﺍ ﺢﺗﻔﻳ (a) ﺏﺎﺑﺳﺃ ﻱﺃ ءﺎﻁﻋﺇ ﻥﻭﺩﺑ ﺔﺻﺎﺧﻟﺍ ﻪﺗﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ًﺍءﺎﻧﺑ ﻝﻳﻣﻌﻟﺍ ﺏﻠﻁ ﺽﻓﺭﻳ ﻭﺃ ﻝﺑﻘﻳ ﻥﺃ ﺎﻣﺇ ﻙﻧﺑﻠﻟ ﺯﻭﺟﻳ ﻡﺎﻛﺣﻷﺍ ﻩﺫﻬﺑ ﻡﻛﺣﺗ ،ﻙﻧﺑﻟﺍ ﺕﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ءﺎﻧﺑ ﺎﻬﺣﺗﻔﺑ ﺡﻭﻣﺳﻣ ﺔﻳﻋﺭﻓ ﺕﺎﺑﺎﺳﺣ ﻭﺃ ﺕﺎﺑﺎﺳﺣ ﻱﺃ ﻥﺇ .ﻙﻟﺫﻟ .ﺕﻧﺎﻛ ًﺎﻳﺃ ﺏﺎﺑﺳﺃ ﻱﺃ ﺩﻳﺩﺣﺗ ﻥﻭﺩﺑ ﻙﻧﺑﻠﻟ ﻕﺣﺗﺳﻣ ﺕﺍﺩﻧﺗﺳﻣﻟﺍ ﻭﺃ ﺕﺍﺩﻧﺳﻟﺍ ،ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﻰﻠﻋ ءﺎﻧﺑ ﻝﻣﻌﻠﻟ ﻪﺑﺟﻭﻣﺑ ،ﻪﺗﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ءﺎﻧﺑ ، ﻙﻧﺑﻟﺍ ﺽﻭﻔﻳ (a) ﻝﻳﻛﻭﻟﺍ ﻝﺑﻗ ﻥﻣ ﻭﺃ ﺏﺎﺳﺣﻟﺍ ﺏﻠﻁ ﻲﻓ ﺔﺣﻭﻧﻣﻣﻟﺍ ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﺏﺟﻭﻣﺑ ﺔﻟﻭﺑﻘﻣﻟﺍ ﻭﺃ ﺔﺑﻭﺣﺳﻣﻟﺍ ﺕﻗﻭﻟﺍ ﻰﺗﺣ ﺭﺎﺳﻔﺗﺳﺍ ﻱﺄﺑ ﻡﺎﻳﻘﻟﺍ ﻥﻭﺩﺑ ﻝﻳﻣﻌﻟﺍ ﻝﺑﻗ ﻥﻣ ﻝﻭﺻﻷﺍ ﺏﺳﺣ ﻥﻳﺿﻭﻔﻣﻟﺍ ءﻼﻛﻭﻟﺍ/ﺽﻭﻔﻣﻟﺍ .ﻙﻟﺫ ﺱﻛﻌﺑ ﻡﺎﻳﻘﻟﺎﺑ ﻙﻧﺑﻠﻟ ﻲﻁﺧ ﺭﺎﻌﺷﺇ ﻡﻳﺩﻘﺗﺑ ﻝﻳﻣﻌﻟﺍ ﻪﻳﻓ ﻡﻭﻘﻳ ﻱﺫﻟﺍ ﺩﻧﺳ ﻱﺃ ﻑﺭﺻ ﻩﺎﺟﺗ ﺔﻳﻟﻭﺅﺳﻣ ﻱﺃ ﻝﻣﺣﺗﻳ ﻻﻭ ﻝﻳﻣﻌﻠﻟ ﻝﻳﺻﺣﺗ ﻝﻳﻛﻭﻛ ﻝﻣﻌﻳ ﻙﻧﺑﻟﺍ ﻥﺄﺑ ﻝﻳﻣﻌﻟﺍ ﻡﻬﻔﻳ (b) ﻝﻳﺻﺣﺗﻟﺍ ﻭﺃ ﻅﻔﺣﻟﺍ ﻝﺟﺃ ﻥﻣ ﻝﻭﺑﻘﻟﺎﺑ ﻙﻧﺑﻟﺍ ﺽﻳﻭﻔﺗﺑ ﻪﺑﺟﻭﻣﺑ ﻝﻳﻣﻌﻟﺍ ﻡﻭﻘﻳ .ﻝﻳﺻﺣﺗﻠﻟ ﻙﻧﺑﻟﺍ ﻊﻣ ﻪﻋﺍﺩﻳﺇ ﻡﺗ .ﻝﻳﻣﻌﻟﺍ ﻥﻣ ﺎﻬﻣﻼﺗﺳﺍ ﻭﺃ ﻙﻧﺑﻟﺍ ﻊﻣ ﺎﻬﻋﺍﺩﻳﺇ ﻡﺗﻳ ﻯﺭﺧﺃ ﺕﺎﻛﻠﺗﻣﻣ ﻭﺃ ﺕﺎﻧﺎﻣﺿ ﻱﺃ ،ﻯﺭﺧﺃ ﺽﺍﺭﻏﺃ ﻱﺃ ﻭﺃ ﻪﻌﺿﻭ ،ﻲﺳﻳﺳﺄﺗﻟﺍ ﻪﻌﺿﻭ ﻲﻓ ﺭﻳﻳﻐﺗ ﻱﺄﺑ ﻝﺎﺣﻟﺍ ﻲﻓ ﻙﻧﺑﻟﺍ ﺭﺎﻁﺧﺈﺑ ﻝﻳﻣﻌﻟﺍ ﺩﻬﻌﺗﻳ ،ءﺎﺿﺗﻗﻻﺍ ﺩﻧﻋ (c) ﻪﺑ ﺔﺻﺎﺧﻟﺍ ﺔﻳﺭﺎﺟﺗﻟﺍ ﻝﻳﻣﻌﻟﺍ ﺕﺎﻁﺎﺷﻧﻭ ﻪﻌﺿﻭ ،ﻩﺩﻭﺟﻭﺑ ﻕﻠﻌﺗﺗ ﻯﺭﺧﺃ ﺕﺎﻣﻭﻠﻌﻣ ﻱﺃ ﻭﺃ ،ﻲﻧﻭﻧﺎﻘﻟﺍ .ﻥﺄﺷﻟﺍ ﺍﺫﻫ ﻲﻓ ﺭﺧﻵ ﺕﻗﻭ ﻥﻣ ﺎﻬﺑﻠﻁﺑ ﻙﻧﺑﻟﺍ ﻡﻭﻘﻳ ﻲﺗﻟﺍ ﺕﺍﺩﻧﺗﺳﻣﻟﺍ ﻥﻣ ﺦﺳﻧﺑ ﻱﺭﻭﺩ ﻝﻛﺷﺑ ﻙﻧﺑﻟﺍ ﺩﻳﻭﺯﺗﻭ .ءﻼﻣﻌﻟﺍ/ﻝﻳﻣﻌﻟﺍ ﻝﺑﻗ ﻥﻣ ﻝﻭﺻﻷﺍ ﺏﺳﺣًﺎﻣﻠﺗﺳﻣ ﻩﺭﺎﺑﺗﻋﺍ ﻡﺗﻳﻭ ﺭﻭﻛﺫﻣﻟﺍ ﻝﻳﻣﻌﻟﺍ ﻥﺍﻭﻧﻋ ﻰﻟﺇ ﺎﻬﻟﺎﺳﺭﺇ ﻡﺗﻳ ﻯﺭﺧﻷﺍ ﻙﻧﺑﻟﺍ ﻡﻭﻘﻳ ﻥﺃ ًﺎﺿﻳﺃ ﺯﻭﺟﻳ .ﻝﻳﻣﻌﻟﺍ ﻥﻣ ﺔﻳﻓﺎﺿﺇ ﺕﺍﺩﻧﺗﺳﻣ ﻭﺃ/ﻭ ﺕﺎﻣﻭﻠﻌﻣ ﺏﻠﻁ ﻕﺣﺑ ﻙﻧﺑﻟﺍ ﻅﻔﺗﺣﻳ (e) ﺭﺧﺁ ﺹﺧﺷ ﻱﺃ ﻭﺃ ﻝﻳﻣﻌﻟﺍ ﻝﻭﺳﺭ ﺔﻳﻭﻫ ﻥﻣ ﻕﻘﺣﺗﻟﺍ ﺏﺟﺍﻭ ﻙﻧﺑﻟﺍ ﻰﻠﻋ ﺱﻳﻟ ﻪﻧﺄﺑ ﻝﻳﻣﻌﻟﺍ ﺭﻘﻳ (g) AM17DEC17/IBUAE | Page 2/11 Instructions, whether delivered with or without the Customer’s authority, knowledge and consent. Pursuant to such Instructions received by the Bank, any transaction processed by the Bank in accordance with the such Instructions shall be binding on the Customer. (h) Amounts deposited by the Customer or held in the Customer’s name, cannot be assigned or charged by the Customer to any third party by way of security without the prior written approval of the Bank. (i) In relation to any dealings in respect of the Account, the Bank will not be liable for any loss resulting from the death or legal disability of the Customer’s Authorised Users, incapacity, liquidation, dissolution, insolvency or bankruptcy (or any other analogous events or proceedings) of the Customer. In such circumstances, the Bank at its discretion may freeze the Account and suspend all dealings in respect of the Account, until a duly appointed successor or court appointed officer has, in the opinion of the Bank, been suitably empowered to deal with the Account and/or the Bank will act in accordance with any Court order. (j) The Customer’s use of, and the availability of, the Account and ability to undertake any Transactions (including through use of the Debit Card) shall at all times be subject to the applicable Limit. (k) The Bank may require the Customer to maintain a minimum balance in the Account and specify a minimum amount in relation to any other services provided by or through the Bank. If the required minimum amount is not maintained, the Bank may at its discretion, transfer monies from any other Account of the Customer and/or realise any investments held in any Account of the Customer and/or convert currency from any Account of the Customer in order to restore the minimum balance and/or require the Customer to pay the Bank a periodic administration fee, as the Bank considers appropriate. (l) Any Authorised User appointed by the Customer shall be fully empowered to do and where applicable shall be authorised by the constitutive documents of the Customer to act on behalf of the Customer in all transactions with the Bank relating to the Account and the Customer expressly agrees that the Bank may comply with and act on any Instructions given by such Authorised User without limitation. The Authorised User may not delegate the powers conferred on the Authorised User to others, without prior written notification to the Bank.

Operation of Accounts. (a) The Bank, at its sole discretion, is hereby authorized to act on Instructions, instruments or documents drawn or accepted in accordance with the instructions given in the Account Application or by attorney(s) duly authorized by the Customer without making any enquiry until such time as the Customer gives the Bank written notice to the contrary. (b) The Customer understands that the Bank acts only as the Customer’s collecting agent and assumes no responsibility for the realisation of any items deposited with the Bank for collection. The Customer hereby authorizes the Bank to accept for safekeep- ing, collection or for any other purpose, any securities or other property deposited with the Bank or received from the Customer. (c) Where applicable, the Customer undertakes to advise the Bank immediately of any change in their constitution, legal status, and any other information relevant to their legal existence, status and business activities and periodically provide the Bank with copies of the such documents the Bank may request from time to time in this connection. (d) The Bank reserves the right to request evidence of the Customer details. All written notices, statements and other information will be sent to the address of the first named Customer and be deemed to be duly received by the Customer(s). (e) The Bank reserves the right to request additional information and/or documenta- tion of the Customer. The Bank may also ask the Customer to provide proof of the source of any funds deposited or the underlying transaction for any entry in the Account and delay processing any Transaction until such proof is provided. .ًﺎﯾﻣﻟﺎﻋ ﺎﮭﺑ فرﺗﻌﻣ رﯾﯾﺎﻌﻣ ﻰﻟإ ًادﺎﻧﺗﺳا بﺎﺳﺣ لﻛﻟ ردﺎﺻﻟا صﺎﺧﻟا مﻗرﻟا ﻲﻧﻌﺗ "نﺎﺑﯾآ" .كﻧﺑﻠﻟ ﺔﯾﻠﺧادﻟا ﺔﯾﻋرﺷﻟا ﺔﺑﺎﻗرﻟا ﺔﻧﺟﻟ ﺎﮭﺑ دﺻﻘﯾ "ISSC" ﺔﻗﺎطﺑ ﻰﻟإ لوﺻوﻟا وأ مادﺧﺗﺳﻼﻟ كﻧﺑﻟا لﺑﻗ نﻣ ﮫﻣﯾدﻘﺗ مﺗﯾ ﺎﻣﻟ ًﺎﻘﻓو فﺗﺎﮭﻟا فﯾرﻌﺗ مﻗر وأ ﻲﺻﺧﺷﻟا لﺑﻗ نﻣ ﮫﺑ ظﺎﻔﺣﻹاو ﮫﺳﯾﺳﺄﺗ مﺗﯾ ﻊﻗوﻣ يأ وأ ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇ دﺣوﻣﻟا دراوﻣﻟا فرﻌﻣ .لﯾﻣﻌﻟا بﺎﺳﺣ ﻰﻠﻋ دﯾﯾﻘﺗﻟﺎﺑ ﺔﯾﻓرﺻﻣﻟا تﺎﺑﺎﺳﺣﻟا (B بﺎﺳﺣ لﯾﻐﺷﺗو ﺢﺗﻓ (2 تادﻧﺗﺳﻣﻟا وأ تادﻧﺳﻟا ،تﺎﻣﯾﻠﻌﺗﻟا ﻰﻠﻋ ءً ﺎﻧﺑ لﻣﻌﻠﻟ ﮫﺑﺟوﻣﺑ ،ﮫﺗارﯾدﻘﺗ ﻰﻠﻋ ءً ﺎﻧﺑ ، كﻧﺑﻟا ضوﻔﯾ (a) لﯾﻛوﻟا لﺑﻗ نﻣ وأ بﺎﺳﺣﻟا بﻠط ﻲﻓ ﺔﺣوﻧﻣﻣﻟا تﺎﻣﯾﻠﻌﺗﻟا بﺟوﻣﺑ ﺔﻟوﺑﻘﻣﻟا وأ ﺔﺑوﺣﺳﻣﻟا تﻗوﻟا ﻰﺗﺣ رﺎﺳﻔﺗﺳا يﺄﺑ مﺎﯾﻘﻟا نودﺑ لﯾﻣﻌﻟا لﺑﻗ نﻣ لوﺻﻷا بﺳﺣ نﯾﺿوﻔﻣﻟا ءﻼﻛوﻟا/ضوﻔﻣﻟا .كﻟذ سﻛﻌﺑ مﺎﯾﻘﻟﺎﺑ كﻧﺑﻠﻟ ﻲطﺧ رﺎﻌﺷإ مﯾدﻘﺗﺑ لﯾﻣﻌﻟا ﮫﯾﻓ موﻘﯾ يذﻟا يأ فرﺻ هﺎﺟﺗ ﺔﯾﻟوؤﺳﻣ يأ لﻣﺣﺗﯾ ﻻو لﯾﻣﻌﻠﻟ لﯾﺻﺣﺗ لﯾﻛوﻛ لﻣﻌﯾ كﻧﺑﻟا نﺄﺑ لﯾﻣﻌﻟا مﮭﻔﯾ (b) وأ ظﻔﺣﻟا لﺟأ نﻣ لوﺑﻘﻟﺎﺑ كﻧﺑﻟا ضﯾوﻔﺗﺑ ﮫﺑﺟوﻣﺑ لﯾﻣﻌﻟا موﻘﯾ .لﯾﺻﺣﺗﻠﻟ كﻧﺑﻟا ﻊﻣ ﮫﻋادﯾإ مﺗ دﻧﺳ ﺎﮭﻣﻼﺗﺳا وأ كﻧﺑﻟا ﻊﻣ ﺎﮭﻋادﯾإ مﺗﯾ ىرﺧأ تﺎﻛﻠﺗﻣﻣ وأ تﺎﻧﺎﻣﺿ يأ ،ىرﺧأ ضارﻏأ يأ وأ لﯾﺻﺣﺗﻟا .لﯾﻣﻌﻟا نﻣ ﮫﻌﺿو ،ﻲﺳﯾﺳﺄﺗﻟا ﮫﻌﺿو ﻲﻓ رﯾﯾﻐﺗ يﺄﺑ لﺎﺣﻟا ﻲﻓ كﻧﺑﻟا رﺎطﺧﺈﺑ لﯾﻣﻌﻟا دﮭﻌﺗﯾ ،ءﺎﺿﺗﻗﻻا دﻧﻋ (c) ﮫﺑ ﺔﺻﺎﺧﻟا ﺔﯾرﺎﺟﺗﻟا لﯾﻣﻌﻟا تﺎطﺎﺷﻧو ﮫﻌﺿو ،هدوﺟوﺑ قﻠﻌﺗﺗ ىرﺧأ تﺎﻣوﻠﻌﻣ يأ وأ ،ﻲﻧوﻧﺎﻘﻟا اذھ ﻲﻓ رﺧﻵ تﻗو نﻣ ﺎﮭﺑﻠطﺑ كﻧﺑﻟا موﻘﯾ ﻲﺗﻟا تادﻧﺗﺳﻣﻟا نﻣ ﺦﺳﻧﺑ يرود لﻛﺷﺑ كﻧﺑﻟا دﯾوزﺗو لوﺻﻷا بﺳﺣ ًﺎﻣﻠﺗﺳﻣ هرﺎﺑﺗﻋا مﺗﯾو روﻛذﻣﻟا لﯾﻣﻌﻟا ناوﻧﻋ ﻰﻟإ ﺎﮭﻟﺎﺳرإ مﺗﯾ ىرﺧﻷا تﺎﻣوﻠﻌﻣﻟاو كﻧﺑﻟا موﻘﯾ نأ ًﺎﺿﯾأ زوﺟﯾ .لﯾﻣﻌﻟا نﻣ ﺔﯾﻓﺎﺿإ تادﻧﺗﺳﻣ وأ/و تﺎﻣوﻠﻌﻣ بﻠط قﺣﺑ كﻧﺑﻟا ظﻔﺗﺣﯾ (e) NOTE | ﺔظ وﺣﻠﻣ : Continued on next page | ﺔﯾﻟﺎﺗﻟا ﺔﺣﻔﺻﻟا ﻲﻓ ﻊﺑﺗﯾ . AM17JUN21/IBUAE | Page 2/11 (f) The Customer acknowledges that the Bank’s records alone will be conclusive and binding in case of any dispute. (g) The Customer acknowledges that the Bank shall be under no duty to verify the identity of the Customer’s messenger or any other person(s) delivering the Customer’s NOTE | ﺔﻅ ﻭﺣﻠﻣ : Continued on next page | ﺔﻳﻟﺎﺗﻟﺍ ﺔﺣﻔﺻﻟﺍ ﻲﻓ ﻊﺑﺗﻳ . .ًﺎﻳﻣﻟﺎﻋ ﺎﻬﺑ ﻑﺭﺗﻌﻣ ﺭﻳﻳﺎﻌﻣ ﻰﻟﺇ ًﺍﺩﺎﻧﺗﺳﺍ ﺏﺎﺳﺣ ﻝﻛﻟ ﺭﺩﺎﺻﻟﺍ ﺹﺎﺧﻟﺍ ﻡﻗﺭﻟﺍ ﻲﻧﻌﺗ "ﻥﺎﺑﻳﺁ" ﻪﻳﻟﺁ ﺕﻧﺎﻛ ءﺍﻭﺳ ،ﺕﺎﻣﻭﻠﻌﻣﻟﺍ ﺔﻣﺩﺧﻭ ﻑﺗﺎﻬﻟﺍ ﺭﺑﻋ ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﻲﻧﻌﺗ "ﻑﺗﺎﻬﻟﺍ ﺭﺑﻋ ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﻣﺩﺧﻟﺍ" .ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﻣﺩﺧﻟﺍﻭ ﺔﻳﻣﻼﺳﻹﺍ ﺕﺎﺟﺗﻧﻣﻠﻟ ﻙﻧﺑﻟﺍ ﻝﺑﻗ ﻥﻣ ﺎﻫﺭﻳﻓﻭﺗ ﻡﺗﻳ ﻲﺗﻟﺍ ءﻼﻣﻌﻟﺍ ﺔﻣﺩﺧ ﻝﻳﻛﻭ ﺭﺑﻋ ﻭﺃ ﺔﻗﺎﻁﺑ ﻰﻟﺇ ﻝﻭﺻﻭﻟﺍ ﻭﺃ ﻡﺍﺩﺧﺗﺳﻼﻟ ﻙﻧﺑﻟﺍ ﻝﺑﻗ ﻥﻣ ﻪﻣﻳﺩﻘﺗ ﻡﺗﻳ ﺎﻣﻟ ًﺎﻘﻓﻭ ﻑﺗﺎﻬﻟﺍ ﻑﻳﺭﻌﺗ ﻡﻗﺭ ﻭﺃ ﻲﺻﺧﺷﻟﺍ ﻥﻣ ﻪﺑ ﻅﺎﻔﺣﻹﺍﻭ ﻪﺳﻳﺳﺄﺗ ﻡﺗﻳ ﻊﻗﻭﻣ ﻱﺃ ﻭﺃ ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇ ﺩﺣﻭﻣﻟﺍ ﺩﺭﺍﻭﻣﻟﺍ ﻑﺭﻌﻣ .ﻝﻳﻣﻌﻟﺍ ﺏﺎﺳﺣ ﻰﻠﻋ ﺩﻳﻳﻘﺗﻟﺎﺑ ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﺑﺎﺳﺣﻟﺍ (B ﺏﺎﺳﺣ ﻝﻳﻐﺷﺗﻭ ﺢﺗﻓ (2 .ﺓﺩﺣﺗﻣﻟﺍ ﺔﻳﺑﺭﻌﻟﺍ ﺕﺍﺭﺎﻣﻹﺍ ﻥﻳﻧﺍﻭﻗ ﻰﺿﺗﻘﻣﺑ ،ﻙﻧﺑﻟﺍ ﺔﻘﻓﺍﻭﻣ ﺏﺟﻭﻣﺑ ﻙﻧﺑﻟﺍ ﻊﻣ ﺏﺎﺳﺣ ﻝﻳﻣﻌﻟﺍ ﺢﺗﻔﻳ (a) ﺏﺎﺑﺳﺃ ﻱﺃ ءﺎﻁﻋﺇ ﻥﻭﺩﺑ ﺔﺻﺎﺧﻟﺍ ﻪﺗﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ًﺍءﺎﻧﺑ ﻝﻳﻣﻌﻟﺍ ﺏﻠﻁ ﺽﻓﺭﻳ ﻭﺃ ﻝﺑﻘﻳ ﻥﺃ ﺎﻣﺇ ﻙﻧﺑﻠﻟ ﺯﻭﺟﻳ ﻡﺎﻛﺣﻷﺍ ﻩﺫﻬﺑ ﻡﻛﺣﺗ ،ﻙﻧﺑﻟﺍ ﺕﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ءﺎﻧﺑ ﺎﻬﺣﺗﻔﺑ ﺡﻭﻣﺳﻣ ﺔﻳﻋﺭﻓ ﺕﺎﺑﺎﺳﺣ ﻭﺃ ﺕﺎﺑﺎﺳﺣ ﻱﺃ ﻥﺇ .ﻙﻟﺫﻟ .ﺕﻧﺎﻛ ًﺎﻳﺃ ﺏﺎﺑﺳﺃ ﻱﺃ ﺩﻳﺩﺣﺗ ﻥﻭﺩﺑ ﻙﻧﺑﻠﻟ ﻕﺣﺗﺳﻣ ﺕﺍﺩﻧﺗﺳﻣﻟﺍ ﻭﺃ ﺕﺍﺩﻧﺳﻟﺍ ،ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﻰﻠﻋ ءﺎﻧﺑ ﻝﻣﻌﻠﻟ ﻪﺑﺟﻭﻣﺑ ،ﻪﺗﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ءﺎﻧﺑ ، ﻙﻧﺑﻟﺍ ﺽﻭﻔﻳ (a) ﻝﻳﻛﻭﻟﺍ ﻝﺑﻗ ﻥﻣ ﻭﺃ ﺏﺎﺳﺣﻟﺍ ﺏﻠﻁ ﻲﻓ ﺔﺣﻭﻧﻣﻣﻟﺍ ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﺏﺟﻭﻣﺑ ﺔﻟﻭﺑﻘﻣﻟﺍ ﻭﺃ ﺔﺑﻭﺣﺳﻣﻟﺍ ﺕﻗﻭﻟﺍ ﻰﺗﺣ ﺭﺎﺳﻔﺗﺳﺍ ﻱﺄﺑ ﻡﺎﻳﻘﻟﺍ ﻥﻭﺩﺑ ﻝﻳﻣﻌﻟﺍ ﻝﺑﻗ ﻥﻣ ﻝﻭﺻﻷﺍ ﺏﺳﺣ ﻥﻳﺿﻭﻔﻣﻟﺍ ءﻼﻛﻭﻟﺍ/ﺽﻭﻔﻣﻟﺍ .ﻙﻟﺫ ﺱﻛﻌﺑ ﻡﺎﻳﻘﻟﺎﺑ ﻙﻧﺑﻠﻟ ﻲﻁﺧ ﺭﺎﻌﺷﺇ ﻡﻳﺩﻘﺗﺑ ﻝﻳﻣﻌﻟﺍ ﻪﻳﻓ ﻡﻭﻘﻳ ﻱﺫﻟﺍ ﺩﻧﺳ ﻱﺃ ﻑﺭﺻ ﻩﺎﺟﺗ ﺔﻳﻟﻭﺅﺳﻣ ﻱﺃ ﻝﻣﺣﺗﻳ ﻻﻭ ﻝﻳﻣﻌﻠﻟ ﻝﻳﺻﺣﺗ ﻝﻳﻛﻭﻛ ﻝﻣﻌﻳ ﻙﻧﺑﻟﺍ ﻥﺄﺑ ﻝﻳﻣﻌﻟﺍ ﻡﻬﻔﻳ (b) ﻝﻳﺻﺣﺗﻟﺍ ﻭﺃ ﻅﻔﺣﻟﺍ ﻝﺟﺃ ﻥﻣ ﻝﻭﺑﻘﻟﺎﺑ ﻙﻧﺑﻟﺍ ﺽﻳﻭﻔﺗﺑ ﻪﺑﺟﻭﻣﺑ ﻝﻳﻣﻌﻟﺍ ﻡﻭﻘﻳ .ﻝﻳﺻﺣﺗﻠﻟ ﻙﻧﺑﻟﺍ ﻊﻣ ﻪﻋﺍﺩﻳﺇ ﻡﺗ .ﻝﻳﻣﻌﻟﺍ ﻥﻣ ﺎﻬﻣﻼﺗﺳﺍ ﻭﺃ ﻙﻧﺑﻟﺍ ﻊﻣ ﺎﻬﻋﺍﺩﻳﺇ ﻡﺗﻳ ﻯﺭﺧﺃ ﺕﺎﻛﻠﺗﻣﻣ ﻭﺃ ﺕﺎﻧﺎﻣﺿ ﻱﺃ ،ﻯﺭﺧﺃ ﺽﺍﺭﻏﺃ ﻱﺃ ﻭﺃ ﻪﻌﺿﻭ ،ﻲﺳﻳﺳﺄﺗﻟﺍ ﻪﻌﺿﻭ ﻲﻓ ﺭﻳﻳﻐﺗ ﻱﺄﺑ ﻝﺎﺣﻟﺍ ﻲﻓ ﻙﻧﺑﻟﺍ ﺭﺎﻁﺧﺈﺑ ﻝﻳﻣﻌﻟﺍ ﺩﻬﻌﺗﻳ ،ءﺎﺿﺗﻗﻻﺍ ﺩﻧﻋ (c) ﻪﺑ ﺔﺻﺎﺧﻟﺍ ﺔﻳﺭﺎﺟﺗﻟﺍ ﻝﻳﻣﻌﻟﺍ ﺕﺎﻁﺎﺷﻧﻭ ﻪﻌﺿﻭ ،ﻩﺩﻭﺟﻭﺑ ﻕﻠﻌﺗﺗ ﻯﺭﺧﺃ ﺕﺎﻣﻭﻠﻌﻣ ﻱﺃ ﻭﺃ ،ﻲﻧﻭﻧﺎﻘﻟﺍ .ﻥﺄﺷﻟﺍ ﺍﺫﻫ ﻲﻓ ﺭﺧﻵ ﺕﻗﻭ ﻥﻣ ﺎﻬﺑﻠﻁﺑ ﻙﻧﺑﻟﺍ ﻡﻭﻘﻳ ﻲﺗﻟﺍ ﺕﺍﺩﻧﺗﺳﻣﻟﺍ ﻥﻣ ﺦﺳﻧﺑ ﻱﺭﻭﺩ ﻝﻛﺷﺑ ﻙﻧﺑﻟﺍ ﺩﻳﻭﺯﺗﻭ .ءﻼﻣﻌﻟﺍ/ﻝﻳﻣﻌﻟﺍ ﻝﺑﻗ ﻥﻣ ﻝﻭﺻﻷﺍ ﺏﺳﺣًﺎﻣﻠﺗﺳﻣ ﻩﺭﺎﺑﺗﻋﺍ ﻡﺗﻳﻭ ﺭﻭﻛﺫﻣﻟﺍ ﻝﻳﻣﻌﻟﺍ ﻥﺍﻭﻧﻋ ﻰﻟﺇ ﺎﻬﻟﺎﺳﺭﺇ ﻡﺗﻳ ﻯﺭﺧﻷﺍ ﻙﻧﺑﻟﺍ ﻡﻭﻘﻳ ﻥﺃ ًﺎﺿﻳﺃ ﺯﻭﺟﻳ .ﻝﻳﻣﻌﻟﺍ ﻥﻣ ﺔﻳﻓﺎﺿﺇ ﺕﺍﺩﻧﺗﺳﻣ ﻭﺃ/ﻭ ﺕﺎﻣﻭﻠﻌﻣ ﺏﻠﻁ ﻕﺣﺑ ﻙﻧﺑﻟﺍ ﻅﻔﺗﺣﻳ (e) ﺭﺧﺁ ﺹﺧﺷ ﻱﺃ ﻭﺃ ﻝﻳﻣﻌﻟﺍ ﻝﻭﺳﺭ ﺔﻳﻭﻫ ﻥﻣ ﻕﻘﺣﺗﻟﺍ ﺏﺟﺍﻭ ﻙﻧﺑﻟﺍ ﻰﻠﻋ ﺱﻳﻟ ﻪﻧﺄﺑ ﻝﻳﻣﻌﻟﺍ ﺭﻘﻳ (g) AM17DEC17/IBUAE | Page 2/11 Instructions, whether delivered with or without the Customer’s authority, knowledge and consent. Pursuant to such Instructions received by the Bank, any transaction processed by the Bank in accordance with the such Instructions shall be binding on the Customer. (h) Amounts deposited by the Customer or held in the Customer’s name, cannot be assigned or charged by the Customer to any third party by way of security without the prior written approval of the Bank. (i) In relation to any dealings in respect of the Account, the Bank will not be liable for any loss resulting from the death or legal disability of the Customer’s Authorised Users, incapacity, liquidation, dissolution, insolvency or bankruptcy (or any other analogous events or proceedings) of the Customer. In such circumstances, the Bank at its discretion may freeze the Account and suspend all dealings in respect of the Account, until a duly appointed successor or court appointed officer has, in the opinion of the Bank, been suitably empowered to deal with the Account and/or the Bank will act in accordance with any Court order. (j) The Customer’s use of, and the availability of, the Account and ability to undertake any Transactions (including through use of the Debit Card) shall at all times be subject to the applicable Limit. (k) The Bank may require the Customer to maintain a minimum balance in the Account and specify a minimum amount in relation to any other services provided by or through the Bank. If the required minimum amount is not maintained, the Bank may at its discretion, transfer monies from any other Account of the Customer and/or realise any investments held in any Account of the Customer and/or convert currency from any Account of the Customer in order to restore the minimum balance and/or require the Customer to pay the Bank a periodic administration fee, as the Bank considers appropriate. (l) Any Authorised User appointed by the Customer shall be fully empowered to do and where applicable shall be authorised by the constitutive documents of the Customer to act on behalf of the Customer in all transactions with the Bank relating to the Account and the Customer expressly agrees that the Bank may comply with and act on any Instructions given by such Authorised User without limitation. The Authorised User may not delegate the powers conferred on the Authorised User to others, without prior written notification to the Bank.

Operation of Accounts. (a) The Bank, at its sole discretion, the Bank is hereby authorized to act on Instructionsinstructions, instruments or documents drawn or accepted in accordance with the instructions given in the Account Application personal account application or by attorney(s) duly authorized by the Customer customer without making any enquiry until such time as the Customer customer gives the Bank written notice to the contrary: i) for making payments of cheques, bills of exchange, promissory notes, standing instructions, issuance of drafts, mail and Funds transfer, purchases and sales of securities and foreign currency and any other instructions by debiting such account(s) whether in credit or otherwise; and ii) to accept any other instructions regarding such account(s) including instructions for the closure of such account(s). (b) The Customer the account number must be quoted on all correspondence with the Bank and when deposits and/or withdrawals are made. c) the customer understands that any funds received by the Bank on the customer’s behalf are to be credited to the relevant account unless the Bank receives written instructions from the customer to the contrary. d) the customer understands that the Bank acts only as the Customercustomer’s collecting agent and assumes no responsibility for the realisation of any items deposited with the Bank for collection. The Customer proceeds of cheques or other instruments deposited are unavailable for withdrawal until collected by the Bank. the Bank reserves the right to debit any account that may have been exceptionally credited with an item subsequently unpaid on collection. the Bank may refuse to honour or accept for collection cheques drawn in favour of third parties or if the payee’s name is not identical to the customer’s name in the Bank’s record. the Bank may, but is not obligated to decline to pay any cheque presented for payment more than six .ةدحتلما ةيبرعلا تارامإلا ةلودل ةيمس�رلا ةلمعلا هب دس�قي »يتارامإلا مهردلا« بر( هبجوبم ليمعلا موقي ثيحب ،رامثتس�ا دقع لىإا يرس�ت »ةديقلما يرغ ةبراس�لما« نم كنبلا قيرط نع رامثتس�لا س�رغب )براس�لما( كنبلا لىإا لام س�أار يرفوتب )لالما لبق نم ةذفنلما ةيراجتلاو ةيرامثتس�لا ةطس�نألا ةفاكو ةيأا في ةبراس�لما ءاعو للاخ ئس�انلا حبرلا في ةكراس�ملل ةبراس�لما ءاعو ليوتم ريدم /براس�لما هتفس�ب كنبلا لالما بر لمحتي ينح في ،ًاقبس�م اهيلع قفتلما ةيوئلما ةبس�نلا /لدعلما س�اس�أا ىلع ءوس� كانه نكي لم ام ،ةراس�لخا ةلاح في ةيلوؤوس�لما هدرفبم )ةلالحا هذه في ليمعلا( هأاس�ـنأاو كـنبلا هـكليم يذـلا نيوتركلإا عقوم يأا وأا www.r .براس�لما لبق نم ميس�ج لامهإا وأا دمعتمُ فشر�ت نيوترـكلإلا عـقولما هب دس�ـقي »نيوترـكلإلا عـقولما« ▇▇▇▇▇▇.▇▇ تامولـعلما عـقوم ددـمح ىلع هب ظفتحيو ءاعو في ةيرامثتس�لا ةقفاوم ىلع لوس�لحا .رخآل ينح نم كنبلا لبق نم هب ظافتحلاو هؤواس�نإا متي رخآا ةكراس�ملل ةيوئلما بس�نلا اهب دس�قي »ةيوئلما بس�نلا« دعب كنبلا هب رطخي امبس�ح ،ةبراس�م باس�ح لكل ةبراس�لما .ليمعلا باس�ح نم مس�لخا غلابم ةيأا هب دس�قي »بحس�لا« بجوبم ةرفوتم لاكس�ألا نم لكس� يأاب ةبوحس�م .ةيعشر�لا ةباقرلاو ىوتفلا ةئيه لكس� اذإا )أا �تقي لم ام :ةيلاتلا دعاوقلا قبطت ،كلذ فلاخ قايس�لا سِ يرس�فتلا 2-1 �خس�لا هلثمم ىلع ينعمتمج مهيلع س�لماو ةقيثولا تادهعتلاو تايقافتلاو دوقعلا ةفاك نإاف ،»ليمعلا« ةرابع ثركأا وأا ينس�خس� هذه في ةدراولا ىرخألا ماكحألاو طوشر�لاو تامازتللاو س�وس�نلاو ةقبطمو ةمزلمو ةطس�اوب ةمدقم برتعت اهنع ةئس�انلا ةيلوؤو ةقبطمو ًاس�يأا ةمزلم نوكتو ،ةدح ىلع لك نيدرفنمو ينعمتمج هل ينعباتلا مهيلإا لزانتلما وأا/و هئافلخ وأا/و يس .س�خس�لا اذهل ينعباتلا تانايك وأا/و لىإا ةراس�إلا نيرخآا س�اخس�أا يأا وأا/و كنبلا وأا/و ليمعلا كلذ في ابم ،س�خس� يأا .نيدرفنمو )ب وأا/و ةثرولا وأا/و ءافللخا وأا/و ينيس�خس�لا ينلثملما لمس�ت ةينوناق داتحا وأا ةيعمج يأا لىإا ةراس�إلا وأا ةينماس�ت ةكشر� وأا ةس�س�ؤوم وأا ةكشر� يأا لمس�ت س�خس� مهيلإا لزانتلما )ج يأا لىإا ةراس�إلا .ةيبنجأا وأا ةيلمح تناك ءاوس� ،ةينوناق ةلاكو وأا ةئيه وأا ةيراس� هل ةغايس� ةداعإا وأا جمد وأا ليدعت يأا لىإا ةراس�إلا لمس�ت نيوناق مكح )د .حيحس� �ت يتلا تاملكلا .هبجوبم ررتحُ يتلا ةينوناقلا رماوألا وأا تاودألا ةفاكو ،ذئنيح ،كلذب قايس�لا حمس� امثيح ،لمس�ت درفلما ةغيس� لىإا يرس )ـه »رهس�« ةملك لىإا تاراس�إلا لىإا يرس�ت يتلا تاملكلا .س�انجألا ةفاك لمس�ت ام س�نج س�كعلاو عملجا ةغيس� )و طوشر�لا هذه في دونبلا نيوانع .يدقاعت وأا نيوناق يرثأات ،ةدحتلما ةيبرعلا ليمعلل زوجي )أا تارامإلا في ميقم ليمعلا ناك اذإا كنبلا ىدل باس�ح حتف باس�لحا حتف 1-1 .ً ينميقلما يرغ دارفألا نم ءلامعلل زوجي .ةدحتلما ةيبرعلا تارامإلا ينناوقل ًاقبط تارامإلا ينناوق ةاعارم عم ،كنبلا ىدل ةنيعم تاباس�ح حتف ،باس�ح حتف تاءارجإا لوبقلا وأا ديكأاتلا وأا( ا ليمعلا ىلع ينعتي لوس�ألا بس�ح يس�خس�لا باس�لحا بلط عيقوتو لامكإامئاد ةدحتلما ةيبرعلا )ب ىس�تقبم ةبولطلما قئاثولا ةفاك يمدقتو )رخآا لكس� يأاب ةس�الخا هتدارإا قفو هس�فر وأا كنبلا اهددحي يتلا طوشر�لا ءافيتس�ا ةاعارم عم اهدعب باس�لحا حتف زوجي يتلاو ليمعلا بلط لوبق امإا كنبلل زوجيو .رخآل ينح نم همس�اب باس�ح حتف ليمعلل زوجي .كلذ ىلع ءانب بابس�أا ةيأا ءادبإا نود يمعلا بلط ىلع ءانب ،كنبلل زوجي .نيرخآا ءلامع عم كاترس�لاب وأا س�الخا )ج ختس� ،كلذ فلاخ ىلع قافتلا متي لم وس�ر وا ةقبطم ديس�ر تابلطتم يأل ىندألا دلحاو ةس�الخا كنبلا ةدارإا ةاعارم عم ،ل )د امو .ليمعلا مس�اب ةيفاس�اإ تاباس�ح حتف ،م أ .ناك ًايأا ببس� يأا ءادبإا نود ا في يشر�لحا هقحب كنبلا ظفتحي .ماكحألاو طوشر�لا هذهل تاباس�لحا كلت عس� ةبلاطلماو ،باس�ح يأا حتف س�فر وأا قلاغإ )ـه كنبلا لىإا قحتس�م ديس�ر يأا ةيوس�تب قيرط نع وأا يس�خس�لا باس�لحا بلط في ةمدقلما هبجوبم س�وفم كنبلا )أا وأا ةبوحس�م قئاثو وأا تادنس� وأا تاميلعت قفو فشر�تلل تاباس�لحا ليغس�ت 2-1 تاميلعتلاو ةينذإلا تادنس�لاو تلايبمكلاو مدقي يذلا تقولا كلذ ىتح �أا ينس�وفم )ءلاكو( ليكو راس�فتس�ا يأا ءارجإل ةجالحا نود ليمعلا لبق نم ًلوس تاميلعتلل ًاقفو ةلوبقم :كلذ س�كعب ديفي ًايطخ ًاراطخإا ليمعلا هيف ديقلا قيرط نع ىرخأا تاميلعت ةيأاو عفدلا رماوأا رادس�إاو ةيمدتس�لما ءاشر� تايلمعو ةيديبرلا ةيلالما تلايوحتلاو تاكيس�لا غلابم دادس�ل )1 كلذ س�وس�خب ىرخأا تاميلعت ةيأا لوبق و ؛كلذل ًافلاخ وأا نئادلا بنالجا في ةيبنجألا تلامعلاو ةيلالما قاروألا عيبو كلذ في ابم )تاباس�لحا( باس�لحا ناك ءاوس� )تاباس�لحا( باس�لحا كلذ ىلع )2 تاعاديإلا ءارجإا دنعو )ب .)تاباس�لحا( باس�لحا كلذ قلاغإاب ةس�الخا تاميلعتلا كنبلا عم تلاس�ارلما ةفاك ىلع باس�لحا مقر ديدتح مزلي باس�لحا في اهديق ىدل موهفلما نم متيس� ليمعلا نع ةباين كنبلا اهاقلتي لاومأا ةيأا نأا ليمعلا .تابوحس�لا وأا/و )ج ىدل موهفلما نم .كلذ فلاخب ليمعلا نم ةيطخ تاميلعت كنبلا قلتي لم ام س�م ةيأا لمحتي لو ليمعلل ليس�تح ليكوك طقف فشر�تي كنبلا نأا ليمعلا )د س�لا لوبق وأا فشر� س�فر رمتس�ا يذلاو يئانثتس�ا نوكي دق باس�ح يأا نم �تح متي ىتح بحس�لل تاكيس�لا دئاوع نإا .ليس�حتلل كنبلا ىدل ةعدوم دونب يأا لييس�ت نع ةيلوؤو ةرفوتم نوكت نل اهعاديإا متي يتلا ىرخألا تادنس�لا وأا مس�لخا في قلحاب كنبلا ظفتحيو .كنبلا لبق نم اهليس لكس�ب هنم نئادلا ديس�رلا في دنب يأا ةفاس�إا تم دق كنبلل زوجيو .كلذ دعب ليس�حتلا دنع دادس� نود عم قباطتم يرغ ديفتس�لما مس�ا ناك اذإا وأا ىرخأا فارطأا حلاس�ل ةبوحس�لما تاكي عانتملا ،كلذب مزلم يرغ هنأا لا ،كنبلل قحيو .كنبلا لجس� في ديقلما ليمعلا مس�ا رادس�إا خيرات نم رهس�أا ةتس� نم ثركأا رورم دعب فشر�لل مدقم كيس� يأا فشر� نع إ لىإا فيس�ي نأا كنبلا لبقي نلو .كيس�لا كلذ months after the date of its issue. the Bank will not accept for credit to the account any cheque or draft in favour of a third party crossed or denoted “Account Payee” (or any words of similar effect) or contrary to Bank records. any cancellation of any crossing or denoting as mentioned above will be null and void. the Bank does not accept any responsibility in the event of a post-dated cheque being inadvertently or otherwise honoured before the due date. e) the customer hereby authorizes the Bank to accept for safekeep- ingsafekeeping, collection or for any other purpose, any securities or other property deposited with the Bank or received from the Customercustomer and to release or deliver or give up any of these against the customer’s written instructions. (cf) Where applicable, the Customer undertakes to advise customer represents and warrants that the information contained in the personal account application is true and correct as on the date it was given. the customer must inform the Bank immediately of any change promptly in their constitutionwriting if the customer changes his name, legal status, and address or contact numbers or any other information relevant to their legal existence, status and business activities and periodically provide the Bank with copies of the such documents the Bank may request from time to time in this connectiondetails. (dg) The the Bank reserves the right to request evidence of the Customer customer details. All all written notices, statements and other information will be sent to the address of the first named Customer customer and be deemed to be duly received by the Customer(scustomer(s). if mail is returned and the Bank holds alternative communication details for the customer, the Bank may attempt to contact the customer. it is the customer’s responsibility to ensure that the Bank is provided with accurate and up to date contact details. (eh) The the Bank reserves the right to request additional information and/or documenta- tion documentation of the Customercustomer. The the Bank may also ask the Customer customer to provide proof of the source of any funds deposited or the underlying transaction for any entry in the Account account and delay processing any Transaction transaction until such proof is provided. the Bank will not be liable or responsible for any delay or loss arising as a result of these enquiries. (fi) The Customer acknowledges that the Bank’s records alone will be conclusive and binding in case of any dispute. (gj) The Customer acknowledges that the Bank shall not be under no any duty to verify the identity of the Customer’s messenger or any other person(s) delivering giving the Customer’s NOTE | ﺔﻅ ﻭﺣﻠﻣ : Continued instructions purportedly in the name of the customer and any transaction made pursuant to the instructions shall be binding on next page | ﺔﻳﻟﺎﺗﻟﺍ ﺔﺣﻔﺻﻟﺍ ﻲﻓ ﻊﺑﺗﻳ . .ًﺎﻳﻣﻟﺎﻋ ﺎﻬﺑ ﻑﺭﺗﻌﻣ ﺭﻳﻳﺎﻌﻣ ﻰﻟﺇ ًﺍﺩﺎﻧﺗﺳﺍ ﺏﺎﺳﺣ ﻝﻛﻟ ﺭﺩﺎﺻﻟﺍ ﺹﺎﺧﻟﺍ ﻡﻗﺭﻟﺍ ﻲﻧﻌﺗ "ﻥﺎﺑﻳﺁ" ﻪﻳﻟﺁ ﺕﻧﺎﻛ ءﺍﻭﺳ ،ﺕﺎﻣﻭﻠﻌﻣﻟﺍ ﺔﻣﺩﺧﻭ ﻑﺗﺎﻬﻟﺍ ﺭﺑﻋ ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﻲﻧﻌﺗ "ﻑﺗﺎﻬﻟﺍ ﺭﺑﻋ ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﻣﺩﺧﻟﺍ" .ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﻣﺩﺧﻟﺍﻭ ﺔﻳﻣﻼﺳﻹﺍ ﺕﺎﺟﺗﻧﻣﻠﻟ ﻙﻧﺑﻟﺍ ﻝﺑﻗ ﻥﻣ ﺎﻫﺭﻳﻓﻭﺗ ﻡﺗﻳ ﻲﺗﻟﺍ ءﻼﻣﻌﻟﺍ ﺔﻣﺩﺧ ﻝﻳﻛﻭ ﺭﺑﻋ ﻭﺃ ﺔﻗﺎﻁﺑ ﻰﻟﺇ ﻝﻭﺻﻭﻟﺍ ﻭﺃ ﻡﺍﺩﺧﺗﺳﻼﻟ ﻙﻧﺑﻟﺍ ﻝﺑﻗ ﻥﻣ ﻪﻣﻳﺩﻘﺗ ﻡﺗﻳ ﺎﻣﻟ ًﺎﻘﻓﻭ ﻑﺗﺎﻬﻟﺍ ﻑﻳﺭﻌﺗ ﻡﻗﺭ ﻭﺃ ﻲﺻﺧﺷﻟﺍ ﻥﻣ ﻪﺑ ﻅﺎﻔﺣﻹﺍﻭ ﻪﺳﻳﺳﺄﺗ ﻡﺗﻳ ﻊﻗﻭﻣ ﻱﺃ ﻭﺃ ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇ ﺩﺣﻭﻣﻟﺍ ﺩﺭﺍﻭﻣﻟﺍ ﻑﺭﻌﻣ .ﻝﻳﻣﻌﻟﺍ ﺏﺎﺳﺣ ﻰﻠﻋ ﺩﻳﻳﻘﺗﻟﺎﺑ ﺔﻳﻓﺭﺻﻣﻟﺍ ﺕﺎﺑﺎﺳﺣﻟﺍ (B ﺏﺎﺳﺣ ﻝﻳﻐﺷﺗﻭ ﺢﺗﻓ (2 .ﺓﺩﺣﺗﻣﻟﺍ ﺔﻳﺑﺭﻌﻟﺍ ﺕﺍﺭﺎﻣﻹﺍ ﻥﻳﻧﺍﻭﻗ ﻰﺿﺗﻘﻣﺑ ،ﻙﻧﺑﻟﺍ ﺔﻘﻓﺍﻭﻣ ﺏﺟﻭﻣﺑ ﻙﻧﺑﻟﺍ ﻊﻣ ﺏﺎﺳﺣ ﻝﻳﻣﻌﻟﺍ ﺢﺗﻔﻳ (a) ﺏﺎﺑﺳﺃ ﻱﺃ ءﺎﻁﻋﺇ ﻥﻭﺩﺑ ﺔﺻﺎﺧﻟﺍ ﻪﺗﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ًﺍءﺎﻧﺑ ﻝﻳﻣﻌﻟﺍ ﺏﻠﻁ ﺽﻓﺭﻳ ﻭﺃ ﻝﺑﻘﻳ ﻥﺃ ﺎﻣﺇ ﻙﻧﺑﻠﻟ ﺯﻭﺟﻳ ﻡﺎﻛﺣﻷﺍ ﻩﺫﻬﺑ ﻡﻛﺣﺗ ،ﻙﻧﺑﻟﺍ ﺕﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ءﺎﻧﺑ ﺎﻬﺣﺗﻔﺑ ﺡﻭﻣﺳﻣ ﺔﻳﻋﺭﻓ ﺕﺎﺑﺎﺳﺣ ﻭﺃ ﺕﺎﺑﺎﺳﺣ ﻱﺃ ﻥﺇ .ﻙﻟﺫﻟ .ﺕﻧﺎﻛ ًﺎﻳﺃ ﺏﺎﺑﺳﺃ ﻱﺃ ﺩﻳﺩﺣﺗ ﻥﻭﺩﺑ ﻙﻧﺑﻠﻟ ﻕﺣﺗﺳﻣ ﺕﺍﺩﻧﺗﺳﻣﻟﺍ ﻭﺃ ﺕﺍﺩﻧﺳﻟﺍ ،ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﻰﻠﻋ ءﺎﻧﺑ ﻝﻣﻌﻠﻟ ﻪﺑﺟﻭﻣﺑ ،ﻪﺗﺍﺭﻳﺩﻘﺗ ﻰﻠﻋ ءﺎﻧﺑ ، ﻙﻧﺑﻟﺍ ﺽﻭﻔﻳ (a) ﻝﻳﻛﻭﻟﺍ ﻝﺑﻗ ﻥﻣ ﻭﺃ ﺏﺎﺳﺣﻟﺍ ﺏﻠﻁ ﻲﻓ ﺔﺣﻭﻧﻣﻣﻟﺍ ﺕﺎﻣﻳﻠﻌﺗﻟﺍ ﺏﺟﻭﻣﺑ ﺔﻟﻭﺑﻘﻣﻟﺍ ﻭﺃ ﺔﺑﻭﺣﺳﻣﻟﺍ ﺕﻗﻭﻟﺍ ﻰﺗﺣ ﺭﺎﺳﻔﺗﺳﺍ ﻱﺄﺑ ﻡﺎﻳﻘﻟﺍ ﻥﻭﺩﺑ ﻝﻳﻣﻌﻟﺍ ﻝﺑﻗ ﻥﻣ ﻝﻭﺻﻷﺍ ﺏﺳﺣ ﻥﻳﺿﻭﻔﻣﻟﺍ ءﻼﻛﻭﻟﺍ/ﺽﻭﻔﻣﻟﺍ .ﻙﻟﺫ ﺱﻛﻌﺑ ﻡﺎﻳﻘﻟﺎﺑ ﻙﻧﺑﻠﻟ ﻲﻁﺧ ﺭﺎﻌﺷﺇ ﻡﻳﺩﻘﺗﺑ ﻝﻳﻣﻌﻟﺍ ﻪﻳﻓ ﻡﻭﻘﻳ ﻱﺫﻟﺍ ﺩﻧﺳ ﻱﺃ ﻑﺭﺻ ﻩﺎﺟﺗ ﺔﻳﻟﻭﺅﺳﻣ ﻱﺃ ﻝﻣﺣﺗﻳ ﻻﻭ ﻝﻳﻣﻌﻠﻟ ﻝﻳﺻﺣﺗ ﻝﻳﻛﻭﻛ ﻝﻣﻌﻳ ﻙﻧﺑﻟﺍ ﻥﺄﺑ ﻝﻳﻣﻌﻟﺍ ﻡﻬﻔﻳ (b) ﻝﻳﺻﺣﺗﻟﺍ ﻭﺃ ﻅﻔﺣﻟﺍ ﻝﺟﺃ ﻥﻣ ﻝﻭﺑﻘﻟﺎﺑ ﻙﻧﺑﻟﺍ ﺽﻳﻭﻔﺗﺑ ﻪﺑﺟﻭﻣﺑ ﻝﻳﻣﻌﻟﺍ ﻡﻭﻘﻳ .ﻝﻳﺻﺣﺗﻠﻟ ﻙﻧﺑﻟﺍ ﻊﻣ ﻪﻋﺍﺩﻳﺇ ﻡﺗ .ﻝﻳﻣﻌﻟﺍ ﻥﻣ ﺎﻬﻣﻼﺗﺳﺍ ﻭﺃ ﻙﻧﺑﻟﺍ ﻊﻣ ﺎﻬﻋﺍﺩﻳﺇ ﻡﺗﻳ ﻯﺭﺧﺃ ﺕﺎﻛﻠﺗﻣﻣ ﻭﺃ ﺕﺎﻧﺎﻣﺿ ﻱﺃ ،ﻯﺭﺧﺃ ﺽﺍﺭﻏﺃ ﻱﺃ ﻭﺃ ﻪﻌﺿﻭ ،ﻲﺳﻳﺳﺄﺗﻟﺍ ﻪﻌﺿﻭ ﻲﻓ ﺭﻳﻳﻐﺗ ﻱﺄﺑ ﻝﺎﺣﻟﺍ ﻲﻓ ﻙﻧﺑﻟﺍ ﺭﺎﻁﺧﺈﺑ ﻝﻳﻣﻌﻟﺍ ﺩﻬﻌﺗﻳ ،ءﺎﺿﺗﻗﻻﺍ ﺩﻧﻋ (c) ﻪﺑ ﺔﺻﺎﺧﻟﺍ ﺔﻳﺭﺎﺟﺗﻟﺍ ﻝﻳﻣﻌﻟﺍ ﺕﺎﻁﺎﺷﻧﻭ ﻪﻌﺿﻭ ،ﻩﺩﻭﺟﻭﺑ ﻕﻠﻌﺗﺗ ﻯﺭﺧﺃ ﺕﺎﻣﻭﻠﻌﻣ ﻱﺃ ﻭﺃ ،ﻲﻧﻭﻧﺎﻘﻟﺍ .ﻥﺄﺷﻟﺍ ﺍﺫﻫ ﻲﻓ ﺭﺧﻵ ﺕﻗﻭ ﻥﻣ ﺎﻬﺑﻠﻁﺑ ﻙﻧﺑﻟﺍ ﻡﻭﻘﻳ ﻲﺗﻟﺍ ﺕﺍﺩﻧﺗﺳﻣﻟﺍ ﻥﻣ ﺦﺳﻧﺑ ﻱﺭﻭﺩ ﻝﻛﺷﺑ ﻙﻧﺑﻟﺍ ﺩﻳﻭﺯﺗﻭ .ءﻼﻣﻌﻟﺍ/ﻝﻳﻣﻌﻟﺍ ﻝﺑﻗ ﻥﻣ ﻝﻭﺻﻷﺍ ﺏﺳﺣًﺎﻣﻠﺗﺳﻣ ﻩﺭﺎﺑﺗﻋﺍ ﻡﺗﻳﻭ ﺭﻭﻛﺫﻣﻟﺍ ﻝﻳﻣﻌﻟﺍ ﻥﺍﻭﻧﻋ ﻰﻟﺇ ﺎﻬﻟﺎﺳﺭﺇ ﻡﺗﻳ ﻯﺭﺧﻷﺍ ﻙﻧﺑﻟﺍ ﻡﻭﻘﻳ ﻥﺃ ًﺎﺿﻳﺃ ﺯﻭﺟﻳ .ﻝﻳﻣﻌﻟﺍ ﻥﻣ ﺔﻳﻓﺎﺿﺇ ﺕﺍﺩﻧﺗﺳﻣ ﻭﺃ/ﻭ ﺕﺎﻣﻭﻠﻌﻣ ﺏﻠﻁ ﻕﺣﺑ ﻙﻧﺑﻟﺍ ﻅﻔﺗﺣﻳ (e) ﺭﺧﺁ ﺹﺧﺷ ﻱﺃ ﻭﺃ ﻝﻳﻣﻌﻟﺍ ﻝﻭﺳﺭ ﺔﻳﻭﻫ ﻥﻣ ﻕﻘﺣﺗﻟﺍ ﺏﺟﺍﻭ ﻙﻧﺑﻟﺍ ﻰﻠﻋ ﺱﻳﻟ ﻪﻧﺄﺑ ﻝﻳﻣﻌﻟﺍ ﺭﻘﻳ (g) AM17DEC17/IBUAE | Page 2/11 Instructions, the customer whether delivered made with or without the Customercustomer’s authority, knowledge and consent. Pursuant to such Instructions received by the Bank, any transaction processed by the Bank in accordance with the such Instructions shall be binding on the Customer. (hk) Amounts amounts deposited by the Customer customer or held in the Customercustomer’s name, cannot be assigned or charged by the Customer customer to any third party by way of security without the prior written approval of the Bank. (il) In relation to in the event of the death or legal disability of any dealings of the individuals constituting the customer in respect of an account (including a joint account), the Accountother individual(s) will immediately, (but in any event not later than ten (10) days after such death or legal disability), notify the Bank of such death or legal disability. in the absence of such written notice the survivor(s) will be liable to any claim by the Bank arising from continuation of the account and the Bank will not be liable for any loss resulting from allowing operations in the death or legal disability account. on receipt of the Customer’s Authorised Users, incapacity, liquidation, dissolution, insolvency or bankruptcy (or any other analogous events or proceedings) of the Customer. In such circumstancesnotice, the Bank at its discretion may freeze account will be frozen until the Account and suspend all dealings in respect of legal successor(s) to the Account, until deceased or the relevant court or department or authority appoints a duly appointed successor or court appointed officer has, in the opinion of the Bank, been suitably empowered to deal with the Account and/or the Bank will act in accordance with any Court orderlegally enabled individual. (jm) The Customerthe customer’s use of, and the availability of, the Account account and ability to undertake any Transactions transactions (including through use of the Debit Carddebit card) shall at all times be by subject to the applicable Limitlimit. (kn) The the Bank may require the Customer customer to maintain a minimum balance in the Account account and specify a minimum amount in relation to any other services provided by or through the Bank. If if the required minimum amount is not maintained, the Bank may at its discretion, transfer monies from any other Account account of the Customer customer and/or realise any investments held in any Account account of the Customer customer and/or convert currency from any Account account of the Customer customer in order to restore the minimum balance and/or require the Customer customer to pay the Bank a periodic administration fee, as the Bank considers appropriate. (l) Any Authorised User appointed by the Customer shall be fully empowered to do and where applicable shall be authorised by the constitutive documents of the Customer to act on behalf of the Customer in all transactions with the Bank relating to the Account and the Customer expressly agrees that the Bank may comply with and act on any Instructions given by such Authorised User without limitation. The Authorised User may not delegate the powers conferred on the Authorised User to others, without prior written notification to the Bank.