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Special Terms and Conditions applicable for the Balance Enhancement Promotion Campaign for Aspire Customers:

The following terms shall have the following meanings:

“ADCB”Means Abu Dhabi Commercial Bank PJSC.
“Customer”Means an existing ADCB Aspire customer.
“Promotion Period”Means the period from 1st October 2011 to 31st December 2011 (both days inclusive).
“@ctive Saver Account”Means an online savings account offered by ADCB.
“MDSA”Means the Millionaire Destiny Savings Account, a retail liability account, offered by ADCB under its Islamic Banking Department’s “ADCB Meethaq” brand. It provides multiple opportunities to win prizes periodically. The Customers who open an MDSA account and maintain the eligibility criteria of the prize draws shall be entitled to participate in the grand prize draws to be conducted by ADCB Meethaq (Islamic Banking Division of ADCB). The prize drawings shall be conducted by ADCB Meethaq subject to terms and conditions of MDSA.
“Transacting Account(s)” “Debit Card”Means all (personal) current accounts or savings accounts of the Customer held with ADCB. Means a debit card provided to the Customer by ADCB relating to the Transacting Account(s).
“Balance”Means the aggregate of balance amounts held in all personal current accounts or savings accounts.

1. The Balance Enhancement Promotional Campaign (“Promotion”) will be available only during the Promotion Period.

2. All ADCB retail/ Aspire Customer(s) (excluding Privilege Club, Excellency or Business Banking customer(s)) who fulfill the conditions set out in Clause 3 below are eligible for the Promotion.

3. To be eligible to earn special interest, the Customer shall fulfill following conditions:

a. Increase his/her aggregate daily account balance by AED 5,000 or above, over his/her account balance as of 30 September 2011;

b. Spend a minimum of AED 500 on his/her ADCB Debit Card during the Promotion Period.

4. The Customer shall be eligible to earn a special interest rate of three percent (3%) per annum if he/she fulfills the eligibility criteria set out in clause 3 above.

5. The interest will be calculated on the increase in the aggregate daily balances in the Transacting Account(s) compared to the aggregate account balance as on 30 September 2011 for the Transacting Account(s).

6. The Customer’s Transacting Account(s) shall be credited with the special interest amount on or before 31st January 2012 provided

a. the Customer’s Transaction Account(s) are open, valid, and duly activated on the date of crediting such special interest.

b. the Customer has fulfilled the required conditions set out above, subject to ADCB approval.

7. The minimum and maximum interest’s amounts payable at the end of the Promotion Period to each eligible Customer shall be AED 50 and AED 7,000, respectively.

8. The Customer may close the Transacting Account(s) prior to the expiry of the Promotion Period. In such case, the interest supposed to be earned during the Promotion Period will not be credited.

9. In accordance with standard banking practice, the Customer shall not earn any interest if his/ her account has a negative balance or if he/ she has utilized an overdraft facility provided by ADCB during the Promotion Period.

10. @ctive Saver Accounts, Meethaq (Shari’ah compliant) current and saving accounts (including MDSA) are not part of the Promotion.

11. ADCB staff and outsourced members shall not be eligible for the promotion.

12. These terms and conditions shall be in addition to the ADCB General Terms and Conditions for Account Operation and any other terms and conditions of ADCB, which remain applicable.

13. These terms and conditions may be amended at any time by ADCB, at its sole and absolute discretion and without prior notice.

14. The Customer’s participation in the Promotion constitutes his/ her acceptance of the terms and conditions contained herein, as amended from time to time.

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