Purchase Request

Personal Finance Terms and Conditions Important Information

General Terms and Conditions To Emirates NBD - Riyadh Branch
The customer should inform the bank of any change in their address, employment Please carefully read the following statements before submitting your application 1 would like to express an interest :n purchasing the :
information or personal contact information Late Payments
I I Salary Transfer product Q Non-Salary Transfer product
The bank will share and update personal information, Financing and payment In the event the customer fails to pay their installment on the due date (as per the
information with the Saudi Credit Bureau (SIMAH) as mandated by the Saudi Central signed payment schedule), Emirates NBD will record all missed payments with the as per the following Terms and Conditions:
Bank Saudi Credit Bureau (SIMAH). This can negatively impact your credit score which will
decrease your chances of obtaining financing from Emirates NBD and other Financial 1. The purchase has to be part of the overall Tawarruq agreement.
The Bank commits to dismiss the customer's financial obligations in the case of death
Institutions in the future 2 Payment is to be equally installed on a monthly basis as per our agreement.
or complete disability (God Forbid) A fixec charge of SAR 150 will be applied each time an installment is not paid for a
Customer Pledge period of 11 days from the due date Please note that these charges will be spent 3. Setting up a profit margin with a defined amount based on the full amount
The customer will open an account with Emirates NBD which will act as the funding on charity projects since Emirates NBD's products and services are Shariah compliant
of the merchandise including the bank's cost of goods.
account for the applied finance amount Renege
If the customer breaks the contract by not abiding by the Terms and Conditions, the 4. Management fee will be calculated at 1% of principle financed amount
The customer will pay the monthly installments as per the payment schedule on time
bank has the right to act at its discretion in order to safeguard ts investment (capped at SAR 5,000).
until the end of the finance tenor In the case of failure to pay installments on time, Emirates NBD reserves the right to
The bank will issue a promissory note which the customer will sign, guaranteeing that the withdraw the required funds directly from the customer's account!?) which are held 5. I will be able to guarantee the following:
whole principal amount along with the profit charges will be paid back to the bank in full with Emirates NBD I I Salary Transfer CH End of Service Benefit EH Other::------------------------
The customer commits to inform the bank in case of job termination by their employer Partial Settlement
or change of employer, and should continue to pay the due installments on time In the event of receiving only a partial settlement of a customer's finance, Emirates 6. Product(s) specification to be:
NBD will continue to report to the Saudi Credit Bureau (SIMAH) that an outstanding I Copper | | Zinc I I Aluminium
Early Settlement finance balance is due and future finance installments will continue to be scheduled.
The customer has the right to close their financing at any time prior to paying their Failure to meet future finance installments will negatively affect your SIMAH score
last installment and decrease your chances of obtaining financing from Emirates NBD and other Personal Information
When calculating the full and final settlement amount, the term cost of three months financial Institutions
(90 days) from date of finance payment/finance closure will be used Change of Employment (Salary Transfer Only) I | Mr [EE| Mrs □ Ms EH 0thef
If the customer has changed their employment during the tenure of their finance, the
> Financing Closure - Clearance / SIMAH bank will be entitled to hold the customers End of Service benefit until their salary Your Full Name............. ............. .......
Upon early settlement of a financing, the bank will require 7 days to issue a clearance is assigned from their new employer to Emirates NBD. Once assigned, the customer
letter upon the request of the customer. The settlement confirmation will be shared will be given, full access to their End of Service Benefit First Name Middle Name Last Name
with SIMAH who will take up to 30 days to revise the customer's credit report post Failure to meet financial obligations Mother's Maiden Name.
full and final settlement
Annual Percentage Rate
The Annual Percentage Rate (APR) is used in calculating the yearly financing cost.
If the customer fails to meet their financial obligation as per the contract and
payment schedule, and is deemed to be delinquent, the bank will initiate legal
proceedings and the case will be forwarded to the courts as per the law of the
Date of Birth
Gender:
Day | | | Month | | | Year [ m
Kingdom of Saudi Arabia I I Male EH Female
This rate will be applied to the customers financing on a reducing balance basis, Responsible Financing Marital Status: I I Single EH Married
which is followed by all local banks in the Kingdom of Saudi Arabia Please ensure that you can manage all existing and future financial commitments
Finance Amount
The customers' finance amount will be determined based on a number of variables
prior to taking further financing - failure to do so will result in a negative SIMAH
score, difficulty availing finance products from Emirates NBD and other Financial
Dependants: m
Institutions in the future as well as the possibility to take legal action Nationality: Saudi [EH Non Saudi
that include. Monthly income, current financial commitments, SIMAH Score, and Amendment to the Terms and Conditions
deb* burden ratio (the maximum monthly payment of their financing cannot exceed Saudi National ID/lqama No./ Muqeem ID No.
The bank may amend these Terms and Conditions at any lime and shall notify the
33% of their monthly income as mandated by the updated consumer finance customer, in any manner the Bank considers appropnate, at least thirty (30) days in Place of Issue Date of Issue.
regulations). For expatriates end of service benefit will also be used in determining advance of any change taking effect. The latest Terms and Conditions will be available
the eligible finance amount on the Bank’s website [Link]. The account holder will be bound by any Valid Until.. Muqeem ID Valid Until____ _
such change unless the account is closed, the account terminated and all outstanding
Payment methods amounts then payable hereunder are paid in full by the account holder
Customers have the following options by which they can repay their financing: Salary Education:
transfer (Mandatory for Salary Transfer Financing), Standing Order (Mandatory for Term Cost/APR Example
EH Pre-High School I | High School I | College
Non-Salary Transfer Financing and Self-Employed Financing) SADAD, Direct Cash/ Product Type Salary Transfer Non-Salary Transfer
Cheque deposits in account, SARIE Transfer I I Bachelors I I Masters □ PhD
Finance Amount SAR 100,000 SAR 200,000
Financing Transfer
For clients who are willing to transfer their financing from their current bank to Tenor 60 Months 48 Months
Do You Own a Car? □ No □ Yes, Model
Emirates NBD, the bank will need to transfer the outstanding balance amount through Estimated APR 5.75% 8.28%
Interbank Express (SARIE), where the client will not be able to use the remaining Residential Address:
financed amount in his/her account until receiving a clearance letter from the bank Monthly installment SAR 1,816 SAR 4,956
selling the finance and acquiring enough guarantees such as a salary transfer letter 1 % of the financing amount or
Street_________
1% of the financing amount
Managerial fees
from the client's employer or up to SAR 5,000 up to SAR 5,000 Area__________ House No.
Total Payment Amount SAR 108,950 SAR 238,000 P.O. Box .......... City Postal Code
Total Payment amount with SAR 109,950 Your Residence is:
Management fee SAR 240,000

APR may differ depending on the amount and maturity period different from the above example and iuD;ect
I I Rented □ Owned □ With Family □ Provided by Employer
to credit scoring of each customer. For more details and examples please visit the following link http5:/Avw.v
httpsr/[Link]/af-en

Emirates NBD Personal Banking Page 3 Emirates NBD Personal Banking Page 4 Emirates NBD Personal Banking Page 5
Contact Details Monthly expense details: Please lick the card of your choice

Res. Tel.... ............ Mobile

CH Mazeed Platinum CH Platinum 1HI Infinite CH Platinum Plus
Office Tel............. Ext. Fax Food
Your NAME IN ENGLISH letters as you wish it to appear on your card: (20 characters)
E-mail Address Houseing expense (Rent) I I I I I I 1 1 I I I I I I I I I
Declaration:
Address in home country: Electricity, Water, and Communication
l hereby declare that the information included in this application is true and correct and Emirates
NBD has the right to check the information and to exchange it with other credit bureau inside and
Street______ ___ Domestic Labour Wages outside the Kingdom.
1. I, the undersigned, hereby authorize Emirates NBD to charge the management fee in full and as an
Area________ ___ House No. upfront payment (Management fee to be deducted from the finance amount). The bank charges
Education Expense
Management fees to cover its cost of originating finance and servicing its diems thereon.
P.O. Box........ .. ... City Postal Code 2. I, the undersigned, hereby request an application to buy as per (Sahriah Compliant Tawarruq)
Transportation Expense agreement and declare that all information provided by me in this application is true and correct;
Your Residence is: if. at any time, any of the information above proves to be misleading, then the Fully owned
amount including initial amount, fees and any other expenses are due immediately to Emirates
| Rented I I Owned Q With Family I I Provided by Employer Health Care Expense NBD I will notify the bank of any changes to the information above: if. I fail to notify the
bank, then l shall be considered providing misleading information and the same consequence
Insurance Expense will apply I authorize the bank to verify the accuracy and I agree to settle any arising disputes
Contact details in home country: regarding this application through the official and competent judicial authorities.
3. I will be bound by the credit card terms and conditions. I recognize the usage of my card
Finance from a Relative. Friend or Employer purchase and cash withdrawals will be charged in my card account. I will pay these amounts
Tel. No.: Mobile No . .
and all fees. Emirates NBD has the right to reject this application.
Expeaed Future Costs or Expenses 4 I. the undersigned, hereby authorize Emirates NBD to contact me via SMS to update me
Reference (1): — . Mobile No. about notifications of my account status and the latest marketing offers which might be
relevant to me.
Reference (2):.... . Mobile No.: Total ___ 5. I. the undersigned, hereby declare and agree that I am the sole owner and user of the Emirates
NBD Credit Card, and to take all actions necessary to preserve the card from loss, misuse and
theft, and I declare not to give the card to anyone else.
6. I, the undersigned, hereby commit to update my personal data as required by Yakeen or
Employment Information Bank Account Information Emirates NBD and as frequent (as defined by Emirates NBD) and maximum not to exceed five
years I also commit to bring my new identity and update my personal information as soon as
my current identity card expires I acknowledge, and understand that if I did not update my
Employer Name . .. Do you have an Account with Emirates NBD? personal information, the bank is entitled to freeze my account/credit card and any related
facilities.
Q Yes, A/C No. I ] Dno 7. I here declare that I have the authority and eligibility to enter this agreement and all information
Type of Business —...... Current Position..... included herein is correct, and I understood all term and conditions of the agreement
Other Banks (Name) l Branch Accounts No.
8. I hereby agree to pay an amount equivalent to any applicable Value Added Tax (VAT).
Department Years of Service 9 I acknowledge my full responsibility to the competent authorities for all the money that I
personally deposited or deposited in my account with my knowledge or without my knowledge
in case I do not inform the bank officially. I also acknowledge that the sources of funds are
[Link]—......- City due to lawful activities and that they are safe from counterfeiting. If the bank receives any
counterfeit currency, I have no claim or compensation
10 Hereby. I undersigned agree to provide Emirates NBD with any information that it requires
Postal Code --------Tel. No. Personal References for establishing and auditing and administering my accounts and facilities therewith, and I
authorize Emirates NBD to obtain and collect any information as it deems necessary regarding
Name me, my accounts and facilities therewith, from the Saudi Credit Bureau (SIMAH) and General
Income Details organization of social insurance (GOSI) and Elm to disclose and share (inclusive of Data Pooling)
Office Tel.. Res. Tel. that information to the said company (SIMAH) in accordance with the Membership Agreement
and Code of Conduct approved or to any other agency approved by the Saudi Central Bank
Mobile _. 11.1 acknowledge that I have accepted to read the Initial Disclosure and Terms and Conditions at
Basic Salary (SAR) the Emirates NBD website http/[Link]/lDTC and will only activate the card
[Link]....... - City;---------- Postal Code. if I accept the terms and conditions.
Housing Allowance (SAR)

Purpose of Tawarruq Applicant's Signature________________ Date

Transport Allowance (SAR)
Note: Please use your Bank Signature
Gross Monthly Income (SAR) Q Education 0 Furniture 0 Marriage 0 Car
FOR BANK USE ONLY
I I Other------------------------------------------------
Net Monthly Income (SAR) Agreement No____________________ Branch _
0 New Tawarruq 0 Requested second Tawarruq
Other Income if any (SAR) Employee Name___________________
Finance Amount Requested (SAR)
Signature_________________________
Source of other Income Period Months.
Credit Officer Signature ......................
Your Salary is Paid on 0 Hijri | | Gregorian
Salesman Code

Emirates NBD, Branch, Commercial Registration No. 1010191741- CR Unified Number 7001460414
Did the Sales executive visit the client? 0 Yes □ No
P.O. Box 8166. Telephone: 011 282 5555
National Address: 8152. King Fahd Road, AlMuhammadlyah District, Unit 1. Riyadh 12363 - 4380
[Link]
Certified with the Certificate number 1/150. Licensed and Regulated by SAMA
Tax ID Number 300000609300003

Emirates NBD Personal Banking Page 6 Emirates NBD Personal Banking Page 7 Emirates NBD Personal Banking Page 8