9/12/2013

Terms & conditions for

Personal Banking customers

9/12/2013

Definitions

Save otherwise required by the context, the following words shall bear the meaning given to them. “ATM” means the Automated Teller Machine“Mashreq” or “Bank” means Mashreq Qatar“Billing Cycle” means the time period between the dates of issuing two consecutive “Statements of Account”“Card” means the new, renewed or replaced Visa/MasterCard Credit Card issued by The “Bank”“Card Account” means the Account opened by The “Bank” in the name of The “Principal Cardholder” for the purpose of debiting all “Card Transactions” generated as a result of using the “Card”, together with the interest, fees and any other charges, as well as crediting refunds due, as made by The “Cardholder”, principal and/or supplementary“Card Transaction” means the purchase of goods, services, receipt of benefits, reservation, and/or receipt of “Cash Advance” as made by The “Cardholder” against, and by the use of The “Card”, the Card number, and/or The “PIN” including mail, telephone, and/or facsimile orders“Cardholder” means the person for whose use and in whose name The “Bank” issued a “Card”, principal and/or supplementary“Cash Advance” means cash provided by The “Bank” to The “Cardholder” against The “Card”, usage, either through an electronic device or in a face-to-face transaction“Cash Advance Fee” means the fee charged to the “Card Account‟ by The “Bank” upon obtaining a “Cash Advance”The fee is charged at the time of each “Cash Advance”“Credit Limit” means the maximum line of credit permitted by The “Bank” to a “Card Account” which is not to be exceeded and can be accessed by The “Principal Cardholder” as well as The “Supplementary Cardholder” through using The “Card”“Finance Charges” means the interest charged by The “Bank” to The “Card Account” on the “New Balance”, in case the outstanding “New Balance” is not settled in full on or before The “Payment Due Date”The interest charged on The “Cash Advances” shall be calculated from The “Transaction Date” of The “Cash Advance” until it is fully paid, and the rate may or may not be the same as that charged on The “Retail Purchases”“Grace Period” means the time period between The “Statement Date” and The “Payment Due Date” during which no “Finance Charge” may be incurred on The “New Retail Purchase” balance“Late Payment Fee” means the fee charged to The “Card Account” when payment is not received/recorded and posted to The “Card Account”, or received/recorded and posted to The “Card Account” after The “Payment Due Date”, and/or if the payment is less than the amount of The “Minimum Payment Due”“Merchant” means any, but not limited to, person / shop / company / establishment / organization which accepts The “Card” or the Card number as a method of payment for the goods, benefits, reservations, or services offered by it“Minimum Payment Due” means the least payment amount, specified in The “Statement of Account”, required to be paid by The “Principal Cardholder” on or before The “Payment Due Date” in order to keep The “Card Account” active“Past Due Amount” from previous “Billing Cycle” will form part of The “Minimum Payment Due”“New Balance” means total balance due for payment by The “Principal Cardholder” to The “Bank” based on The “Bank‟s” records on the date of issuing The “Statement of Account”It may include “Previous Balance”, from previous “Billing Cycles”, as well as new balances which may comprise “New Cash Advance” and/or “New Retail Purchase”“New Cash Advance” means cash provided by The “Bank” to The “Cardholder” during the current “Billing Cycle”, “New Retail Purchase” means balance generated from using The “Card” in purchasing goods, services, receipt of benefits or reservations during the current “Billing Cycle”“Over limit Fee” means the fee charged to The “Card Account” if The “New Balance” exceeds The “Credit Limit” at any time during the month “Past Due Amount” means The “Minimum Payment” of The “Previous Balance” which was due for payment at previous “Billing Cycle” and is unpaid and still due “Payment Due Date” means the date specified in The “Statement of Account” by which date The “Minimum Payment Due”, full payment, or a part of The “New Balance” greater than The “Minimum Payment Due”, is to be made by The “Cardholder” to The “Bank”If The “Payment Due Date” is a public holiday, then the last business day before the public holiday will be considered as The “Payment Due Date”The payment must be received/recorded and posted to The “Card Account” on or before the “Payment Due Date”“PIN” means the Personal Identification Number provided by The “Bank” to The “Cardholder” for use with The “Card” where and when required“Posting Date” means the date specified in The “Statement of Account” on which date the transaction was received by The “Bank” from the location at which The “Card” was used and posted to The “Card Account”“Previous Balance” means the total outstanding balance due for payment carried from the previous “Billing Cycle” which may consist of “Retail Purchase”, “Cash Advance”, “Finance Charges” and/or fees“Principal Cardholder” means the person who applies to The “Bank” for issuing one “Card” or more, and in whose name The “Card Account” was first opened and maintainedUnder this Agreement, the “Principal Cardholder” is liable to pay to The “Bank” all the amounts debited to The “Card Account” even if generated by The “Supplementary Cardholder”“Retail Purchase” means any purchase of goods, services, receipt of benefits, or reservations made against The “Card”“Statement Date” means the date specified in The “Statement of Account” on which the statement is generated and printedThis takes place at the end of each “Billing Cycle”“Statement of Account” means the monthly statement sent by ordinary mail or e-mail to The “Principal Cardholder” showing all The “Card Transaction” details made by The “Principal Cardholder” and/or The “Supplementary Cardholder” during the previous “Billing Cycle” through The “Card Account” and payable to The “Bank”“Supplementary Cardholder” means the person nominated by The “Principal Cardholder” to use The “Card Account” and in whose name The “Bank” issued a Supplementary Card“Transaction Date” means the date specified in The “Statement of Account” on which the transaction took place.

General Terms & Conditions (covering all products/services): 1. The Bank shall have the right, without reference to the customer, to debit the customer‟s accounts with all the fees, expenses,

interest, commissions/taxation and other charges for all the transactions and usage of facilities/products between the Customer and the Bank as per schedule of charges.

2. The Bank may at any time at its discretion replace, change, amend or supplement any of the terms, conditions and pricing herein stated. All updated terms, conditions and pricing are available to the customer at www.mashreq.qa

3. All agreements under this application are commercial documents subject to the commercial law/practice prevailing in Qatar. Without prejudice to the Bank‟s right to submit to any other Law or Jurisdiction, the terms and conditions and all matters related thereto are subject to the commercial law/practice prevailing in Doha- Qatar and the civil court of Doha – Qatar shall have exclusive Jurisdiction to resolve any difference or dispute arising or may arise out of it.

4. The bank has the right to share any/all of the customer‟s information with any third party as required from time to time with or without my consent.

5. The customer undertakes to strictly comply with all the terms and conditions set forth herein. A non-compliance or failure to do so, shall be considered an event of default that allows the bank to declare the entire amounts due together with interest and other charges and damages the bank may incur or sustain as a result thereof be immediately due and payable.

6. The ledgers, certificates and accounts statement of the bank connected with all products and facilities shall constitute a final and decisive proof for the validity of my balances and obligations towards the Bank. In case of customer objection the customer needs to report to the bank in writing within 15 days of receipt of statement.

7. In case of any mismatch of information on this application form with information provided on certified copies of the original documents, the information on the certified copies of the original document will be taken by the Bank as true and accurate, and will supersede the information on the application form for the purpose of opening the account, applying for other products & services and updating the Banks official records

8. All fees and charges as per the Mashreq Schedule of Charges available at Mashreq branches and at www.mashreq.qa will apply to all products and services availed by the customer.

9. All items provided by the applicant/customer during the application process (including forms, documents, security cheques, instructions, and any other submissions, etc.) will become property of the bank. The bank has no obligation to return any of the items and may dispose of or destroy the same if the application is rejected or in case the facility is settled, closed, topped up, restructured, or amended.

10. The bank has the right to close all accounts/facilities held by the customer and refuse services without the customer‟s consent incase the customer is unable to provide required documents or violate any of the banks policies/instructions.

11. The Bank shall bear no responsibility/liability towards The customer for any loss or damage to The Customer arising as a result of any disruption or failure or defect in any ATM, electronic device, communication system, facilities, data processing system, transaction link or any industrial or other dispute, or anything, or cause, whether beyond the control of The Bank, or otherwise, that prevents The customer from completing a Transaction.

12. The Bank at its sole discretion may appoint an agent to collect all sums due to The Bank by The Customer pursuant to this Agreement. Any and all legal and collection costs incurred in collecting any or all moneys due to The Bank under this Agreement shall be solely and fully borne by The Customer

13. All fees/charges/Interest once paid our non refundable to the customer 14. Customer agrees that the bank may approach him/her from time to time for various new/revised products & services, including but

not limited to accounts, loans, credit cards, overdrafts, insurance, investments, deposits, financial transactions, updating information, etc., which will be sourced & executed without paperwork or signature entirely over electronic channels including but not limited to

recorded telephone line, website, online banking, SMS, etc. in accordance with Qatar Electronic Commerce & Transactions law. 15. Customer agrees that any new products or services may be provided to him/her by the bank without seeking prior consent or

permission; in case the product/facility is used, the same will constitute acceptance of all terms & conditions of the same and customer agrees to pay all fees/charges/interest as per schedule of charges. In case of customer objection to the same and the product/service not being used, the product/service will be shut down by the bank.

16. The Bank may at any time, at its sole discretion and determination, waive compliances with any of the terms and conditions herein contained and such waiver shall not prejudice the Bank‟s rights and benefits in any of the remaining terms and conditions inc luding the Bank‟s right to enforce such terms and conditions at a future date.

17. I/We release and indemnify Mashreq and its Agent/Correspondents from and against any consequences arising or which may arise as a result of any irregularity, delay, omission, telegraphic mistake or mistake delivering the instructions.

18. I/We agree that neither Mashreq nor its Agent/Correspondents shall bear any responsibility if transfer of the amount is delayed to receive assurances and the information necessary to prove correctness of the names, instructions and other things mentioned in the application, and I/We agree to indemnify Mashreq and its Agents/Correspondents against any loss or damages incurred or which may be incurred accordingly.

9/12/2013

19. Repair charges if any will be levied to the customer‟s account subsequent to the TT Terms & Conditions Governing Current & Savings Accounts 1. If the Customer‟s account is overdrawn (with or without an approved limit), the Bank at its sole discretion has the right to charge

interest to the said account at the rate per annum as per schedule of charges. 2. The Bank upon its sole discretion shall from time to time impose service charges on savings and/or current accounts if the average

credit balance of such account is less than the balance determined by the Bank or as per Qatar Central Bank 3. Charges on issuance of cheque books and post-dated cheques deposited with the Bank shall solely be determined by the Bank or as

per Qatar Central Bank 4. Withdrawals from the savings accounts in excess per month will be charged per withdrawal as per schedule of charges. 5. The Bank shall have the right to charge as per schedule of charges or whatever the amount determined by the Bank or as per Qatar

Central Bank for any and each returned unpaid cheque due to lack/ insufficiency of funds. 6. The Bank may at any time have absolute right without assigning any notice or reasons to the Account holder(s) to combine and

consolidate the above current(s) and set-off or transfer any sum or sums standing to the credit of any such account(s) in and towards satisfaction of all or any of its other branches and subsidiaries or in any other respect whether such liabilities be actual, contingent, primary or collateral.

7. As a collecting agent, the Bank assumes no responsibility whatsoever in exercising collection and shall only permit withdrawals of the value of the collected cheque upon final payment to the Bank. The Bank reserves the right to: a. Route each item for collection in accordance with the Bank‟s normal practice. b. Refrain from presenting, demanding or giving notice of non-payment or notice of dishonor on holidays. c. Refuse to accept for collection of any item presented by the Customer. d. Debit the Customer‟s account for any cheque, or instruments credited to it/them which is/are not subsequently honored.

8. The Bank has the right at any time to close the account and request immediate settlement of the balance from the Customer. 9. The customer undertakes not to issue any cheque against insufficient funds; in case the customer does the same, the customer is

bound to immediately return all unused cheques to the bank 10. Your account will be shifted to “Dormant Category” in case of no transaction in your Account for:

a. 1 year for current account b. 2 years for saving account c. 5 years for time deposit accounts

11. In case no further transactions take place for a total period of 10 years from your last transaction and you remain un-contactable, the available balance in your account will be treated as per the prevailing laws in Qatar after settling our dues, if any.

12. The customer undertakes not to use this personal account for commercial/business purposes. 13. All items provided by the applicant/customer during the application process (including forms, documents, security cheques,

instructions, and any other submissions, etc.) will become property of the bank. The bank has no obligation to return any of the items and may dispose of or destroy the same if the application is rejected or in case the facility is settled, closed, topped up, restructured, or amended.

14. Any withdrawal from Easy Saver account will constitute in loss (full or partial) of interest accumulated for the particular month and/or withdrawal fees as per rules and regulations laid down by the Bank at its absolute discretion and determination.

15. If the mode of Investments is by cheque or draft or both, the investment shall come into force only upon net realization and receipt of the amount of the above cheque/draft or both by Mashreq.

16. Accrued interest will be paid on the average balance monthly. 17. Liability: All transactions undertaken by the Bank on the Account holder(s) instructions shall be at the cost and risk of the Account

holder(s). The Bank shall not be liable to the Account holder(s) if the value of the funds credited to the holder(s) account diminishes due to levies, taxes, fees or depreciation.

18. Easy Saver is non-transferable/non-negotiable/non-pledgeable to any other party. In case of Joint account, the account operation, allotment of shares and ownership upon death of any parties will pursuant to the provisions of the Islamic Sharia and relevant rules

19. In accordance to article # 357 of the Qatar Penal Code # 11 of 2004, the signatory of the cheque may be fined up to QAR 10,000 and imprisoned for up to 3 years in case they commit any action intended to prevent the cheque from being honoured (insufficient funds, asking the bank not to honour the cheque, filling out or signing the cheque incompletely/incorrectly, etc.)

Personal Loans, Auto Loans & Overdraft Customer Declaration On the basis of the information furnished by me, which I declare to be true and correct, I hereby apply for a loan as stated in the

personal loan/overdraft details section of the application and in consideration of your sanctioning the same, I undertake to pay the amount of the loan plus interest at Qatar central bank rate as stated in the finance schedule section of the application plus banks margin as stated in the finance schedule section of the application per annum on reducing balance with monthly installments plus charges etc. in the number of installments equal to the tenor stated in the finance schedule section of the application. Installment due date will be linked to my salary credit date and the first due date will be determined by the bank based on my loan sanction date. Failure by me to pay any installments on its due date would make the entire amount of the loan together with interest and other charges due and payable to the Bank on demand. Please credit the amount of the loan to my above Account and debit the Processing fee, Insurance charge and early settlement fee as applicable as per the finance schedule section. Mashreqbank Qatar is hereby authorized to debit the amount of each monthly installment(s) as stated in the finance schedule section on due date (or deemed due date) to my above Account. I also authorize the Bank to set off the terminal and end-of-service benefits, insurance entitlement(s) and any other credit balances, in any of my Account(s) with you and/or with any branch of Mashreqbank Qatar without prejudice to the Bank‟s right to submit to any other law or jurisdiction. All details of the loan as presented in the amortization schedule wi ll be final and accepted. I also agree to the following terms and conditions and undertake to execute the same completely against granting me an overdraft limit. Usage of amount disbursed will be constituted as acceptance of all T & C of the loan and overdraft. 1. The customer hereby expressly agree that any interest that may be accrued on the aforesaid balance amount during the period

extending from the sanction of the loan/overdraft up to the submission of the salary transfer letter and/or first salary credited into the Account, shall be retained by the Bank as an administrative fee. The customer shall notify the bank with any change whether to the customer‟s Address, salary, employment terms and conditions and change of employer. The customer further agree and undertake not to stop or otherwise cancel the salary transfer to the customer‟s Account held with the bank. Furthermore, the customer hereby agrees and acknowledges that the customer shall be held responsible for any stoppage or otherwise non-transfer of the salary to the Account held with the bank. In the event of the customer‟s inability to pay any amount due hereunder, the bank is hereby irrevocably and unconditionally authorized to reassess and/or recall the loan/overdraft and/or to withdraw/freeze such amounts from any or all of the customers Accounts with the bank.

2. Change of Domicile Clause: The customer has chosen and the Bank has agreed, Qatar as the place of domicile and residence, and delivery of Cheques.

3. The customer waive the customer‟s right(s) to claim against the bank and its affiliates for any claims which may arise for any reason whatsoever against any previous dues.

4. The customer accepts and agrees to abide by the terms and conditions of the new loan/overdraft as stated in personal loan/overdraft details section and sanctioned to me and also authorize the bank to settle the current outstanding loan/overdraft.

5. Any future additional incremental loan/overdraft by means of topping up the same loan/overdraft as additional facility, with or without new loan/overdraft account can be availed through the customer‟s consent over data medium for e.g. Call, SMS, website & email. The disbursal of amount in my account shall constitute to acceptance of the new facility T & C.

6. During continuation of this facility and until the full and final payment for all amounts due under this facility, the Bank shall have non - possessive/ possessive mortgage of first grade on all customer‟s monies, rights, dues and all other properties, whatsoever, (including the credit balances in all customer‟s accounts with Mashreq branches in the State of Qatar) which are available under the possession of the Bank. The customer authorizes the Bank, under this, to use at any time and based on its assessment, without informing or contacting the customer, all above mentioned monies, rights, dues and other properties belonging to the customer in order to settle the customer‟s obligations.

7. The customer agrees that the Overdraft facility shall be renewable and shall remain valid without any time limit until the Bank invalidates it based on its own assessment without giving any reason.

8. In the case of death of the clients/s or his/her/their insolvency the remaining installments shall become due forthwith and without

notice to serve a waiving or notice. 9. The customer should register a first chattel mortgage on the Vehicle in favor of the Bank for the valid period of the loan/financing

and submit to the Bank a copy of registration certificate. 10. The customer should keep the Vehicle in good condition and free of any defects regardless of causes at his/her/their own expenses

all time. 11. The customer should advice the Bank within 7 days of any accident resulting in the total loss of the vehicle. 12. The customer should pay the Bank the money/monies received in the event of total loss to the Vehicle towards settlement of finance

obtained from the Bank. 13. The customer should keep the registration of the Vehicle in his/her name and not to change the registration of the Vehicle or take it

out of the State of Qatar during the period of this Loan/Financing, without the written consent of the Bank. 14. The customer should use the Vehicle only for the purposes specified in the Vehicle‟s license. 15. If the Client(s) commit(s) any breach of any of the term or condition of the loan/financing, the bank shall have the right to foreclose

the mortgage on the Vehicle, to sell it at the available market price and to set-off the sale proceeds against sums due from the Client(s) under this loan/Financing, and to effect these actions, the Client(s) has/have hereby appointed the Bank as his/their

9/12/2013

attorney-in–fact and if the sale proceeds (price) do not satisfy the amount due to the Bank shall have the absolute right to claim the balance of the finance from the Client(s).

16. The Client(s) may at any time repay all the outstanding installment(s), if the Client(s) prepay/s, the Bank will calculate the amount to be paid, and impose a prepayment penalty as per the application or QCB regulation.

17. The Client(s), who is/are participating in any payment protection plan or insurance policy, confirms that the sum of money to be received under the plan shall be paid in full to the Bank so as to set-off his/their dues.

18. Each monthly installment comprises of “interest component” and “Principal component” which shall be paid towards the settlement of the loan. The client fully understands the Bank‟s calculation of installment and repayment of loan and hereby accepts such computation.

19. I/we confirm/s that no representation of any kind has been made to him/them by the Bank regarding the Vehicle and that he/they has/have inspected it and found it in good condition.

20. The customer should keep comprehensive insurance on the Vehicle with an insurance company acceptable to the Bank for the period of this vehicle loan with Bank as the first beneficiary of insurance. If the Client/s does not/do not maintain the vehicle duly insured with the insurance company approved by the Bank or does not/do not pay the insurance premium on maturity, then the Bank shall have the right and hereby is fully authorized by the Client/s to do so and to pay the premium at the Client/s sole expense. The cost incurred in this respect shall be added to the total amount payable under this Loan/Financing and until paid shall be subject to the same interest as charged on the delayed installments.

Loyalty Program Terms & Conditions 1. Customer agrees to be automatically enrolled for all existing reward programs as well as any new reward/loyalty programs

introduced for any products/services in the future. Rewards once redeemed cannot be reinstated. 2. Mashreq will not be liable for any service liabilities for rewards offered. Mashreq is not liable for any damage or loss incurred by the

Customer on purchase of any goods. Any disputes/claims on products/services purchased through rewards redemption would be addressed directly between the customer and the reward outlet.

3. Mashreq has the absolute right to change/modify/cancel/expand any of the programs or any reward program under it at any time without prior notice.

4. In case of termination of the program or any other reward program under it, all rewards given to Cardholders will immediately expire and will have no future value or reinstatement possibilities. Mashreq is not liable to compensate the customer/reward partner in any way if the program has been terminated or changed.

5. Rewards cannot be exchanged for cash unless the options is specifically offered as part of the reward program 6. Rewards cannot be redeemed in conjunction with any other discount or promotion. To redeem rewards the Cardholder must inform

the Merchant that he/she would like to redeem the rewards before the transaction is done. The Cardholder cannot ask for redemption after the transaction is done.

7. Once expired, the rewards cannot be extended. 8. Each reward will have its unique set of terms and conditions which will apply, during the earning and redemption of such rewards. Credit Card Cardholder Agreement The issuance and use of Credit Cards from Mashreq shall be governed by and subject to the following terms and conditions: 1. Issuance of the Card

1. If The “Bank” holds any security as collateral for the issuance of The “Card”, The “Bank” reserves the right to retain such security for a minimum period of forty five days following The “Card” cancellation and return to The “Bank”, whether such cancellation is determined by The “Bank” or at the request of The “Cardholder”, provided that The “New Balance” is fully settled.

2. The “Card” shall be valid for the period specified on The “Card” and The “Cardholder” is eligible to use The “Card” only within the said period.

3. On the first “Statement of Account” after issuance, renewal, or replacement of The “Card”, The “Bank” shall, at its sole discretion and determination, charge The “Cardholder” and debit The “Card Account” by the annual membership fee for the issuance of the Card, renewal fee for the renewal of the Card, or replacement fee for the replacement of The “Card” and any other fees and charges determined by The “Bank”.

4. In case The “Card” is terminated or cancelled, for any reason whatsoever, The “Bank” shall not be obliged to refund any paid or charged annual membership fee.

5. The “Card” shall at all times remain the property of The “Bank” and should be returned by The “Cardholder” to The “Bank” upon the first request of The “Bank” or its duly authorized agent without giving prior notice to The “Cardholder”, The “Bank” may, at its

sole discretion and determination, and without assigning any reason whatsoever cancel, suspend, refuse to reissue, renew or replace The “Card”.

6. The “Card” shall be non-transferable, non-pledge able and usable only by the person whose name is embossed/printed on the face of The “Card” and whose signature appears on the reverse of The “Card”.

2. Receipt and usage of the Card

1. The “Cardholder” may collect The “Card” in person at any of The “Bank‟s” branches or The “Bank‟s” units through which he applied, or The “Card” may be sent by post/courier, at The “Cardholder‟s risk, to the address mentioned on the “Card” issuance application, or to the address made available to The “Bank” by The “Cardholder” in writing or through telephone.

2. The “Bank” shall send by mail to The “Cardholder”, at the sole risk of The “Cardholder”, a “PIN” for each “Card” delivered to The “Cardholder” for use in “ATMs” or other secure “PIN” entry equipped electronic devices. The “Cardholder” is under an obligation to exercise due diligence and care to prevent the disclosure of the related “PIN” to any other person. The “Cardholder” must destroy the “PIN” printed record immediately upon receipt. The “Cardholder” must ensure that any record of The “PIN” must be unidentifiable and kept entirely separate and distinguishable from The “Card”.

3. The “Cardholder” may use the total “Credit Limit” provided by The “Bank” for the purchase of goods/services. The amount of “Cash Advance” available against The “Card” shall be a portion of The “Credit Limit” as determined by The “Bank” from time to time.

4. The “Cardholder” may obtain “Cash Advances” by any of the following methods: (1) Presenting the “Card” at any branch or unit of The “Bank” (2) At any member institution of Visa/MasterCard International together with positive internationally recognized evidence of identity (3) By using The “Card” at any “ATM” of The “Bank” (4) by using an ATM of any other member Bank of Visa/MasterCard International

5. In all cases mentioned in Clause (4) above, “Finance Charges” will accrue on The “Cash Advance” from The “Transaction Date” until the “Cash Advance balance is fully paid.

6. In all cases mentioned in Clause (4) above and based on the prevailing rates charged by The “Bank”, The “Cash Advance” will be subject to a “Cash Advance Fee” that may vary from time to time at the sole discretion and determination of The “Bank”.

7. Any “Cash Advance” by the use of The “Card” may be subject to a daily non-exceed able limit, even if the portion of The “Credit Limit” available for “Cash Advance” as mentioned in Clause (5) above is not fully utilized by The “Cardholder”.

8. Mashreq Qatar reserves the right to increase or decrease the set credit limit of the Cardholder‟s Card at any time and without cause upon prior written notification to the Cardholder.

9. All fees, charges, and interest paid by The “Cardholder” to The “Bank” shall remain non refundable even if the relationship between The “Bank” and The “Cardholder” is terminated. In case of amounts billed but not paid, The “Cardholder‟s” liability will not cease until all such amounts, fees, charges and “Finance Charges” are fully paid to The “Bank”.

10. If the “Card” is cancelled by The “Bank” or at the request of The “Cardholder”, or for whatever other reason, The “Bank” shall have the right to take appropriate legal action for any usage of The “Card” by The “Cardholder” after its cancellation. Further, the “Cardholder” will be liable for settling any balance incurred as a result of such usage.

11. Card must not be used for any unlawful purpose, including the purchase of goods or services prohibited by local law applicable in the Card member‟s or Bank‟s jurisdiction.

3. Payment 1. All charges posted by The “Bank” to The “Cardholder” shall appear on the monthly “Statement of Account”. Any objection by The

“Cardholder” against any entry, including The “Bank‟s” charges, in the said statement should be served in writing to The “Bank” by The “Cardholder” within fourteen days from that “Statement Date”, otherwise such statement will be considered correct and no

claim may be entertained by The “Bank” after that period. The “Bank” may provide The “Cardholder” upon written request with the transactions copies. The “Bank” reserves the right to charge fees for providing such copies. Disputing a charge shall not exonerate The “Cardholder(s)” of his liability for that transaction(s).

2. If The “Cardholder” is maintaining an active Current/Savings Account with the “Bank”, The “Cardholder” may opt for the auto payment facility. The auto payment facility may be selected either for full or “Minimum Payment”, and the Current/Savings Account will accordingly be debited, subject to availability of funds, in order to repay The “Card Account”.

3. The “Bank” at its sole discretion and determination may provide The “Cardholder” an interest-free “Grace Period” that starts from The “Transaction Date” of each “New Retail Purchase” transaction until The “Payment Due Date” applicable to such transaction based on the relevant “Billing Cycle” of such transaction. The interest-free “Grace Period” shall not be applicable to The “Cash Advances”.

4. The outstanding “New Balance” appearing on the monthly “Statement of Account” is payable to The “Bank” on or before The “Payment Due Date”.

5. A full payment consisting of the outstanding “New Balance” including “Finance Charges”, fees, and other “Bank” charges as shown on The “Statement of Account” will be due and payable by The “Cardholder” on or before The “Payment Due Date”.

9/12/2013

6. If a full payment is not received/recorded and posted to The “Card Account” on or before The “Payment Due Date”, The “Bank” shall at its sole discretion and determination charge The “Cardholder” with “Finance Charges” on the outstanding “New Balance” from the “Transaction Date” of every transaction constituting this “New Balance” and on any “Retail Purchase” and “Cash Advance” done after the last “Statement Date” until full payment. If payment is made by Cheque, the Cheque must be cleared and posted to The “Card Account” on or before The “Payment Due Date”. The “Finance Charges” shall be based on the prevailing rates charged by The “Bank” which may vary from time to time as determined by The “Bank” at its sole discretion and determination.

7. If the full, or The “Minimum Payment”, or a part of The “New Balance” greater than The “Minimum Payment”, is not received, recorded and posted to The “Card Account” on or before The “Payment Due Date”, a “Late Payment Fee” shall be applied by The “Bank” and shall likewise continue to be applied each month if payment is not received/recorded and posted to The “Card Account” on or before The “Payment Due Date”. This fee shall be based on the prevailing rates charged by The “Bank” which may vary from time to time as determined by The “Bank” at its sole discretion and determination. If payment is made by a Cheque, the Cheque must be cleared and posted to The “Card Account” on or before The “Payment Due Date”. “Finance Charges” will accrue when a “Minimum Payment” is made. Non receipt of The “Statement of Account” shall not cause waiver of The “Late Payment Fee”.

8. The “Cardholder” may elect to have his full “New Balance” or The “Minimum Payment Due” debited every month to his Current/Savings Account if any, maintained at The “Bank”. This debit will be affected on The “Payment Due Date” subject to availability of funds. If The “Cardholder” has elected to have the full “New Balance” debited to his Current/Savings Account and sufficient funds are not available to effect such transaction, but funds are available to debit The “Minimum Payment Due”, this may be done by The “Bank”.

9. Without prejudice to The “Bank‟s” right to take any legal action(s) against The “Cardholder” for any remaining outstanding “New Balance” together with costs and other charges, The “Bank” shall at its sole discretion and determination have the right to stop, suspend, terminate, and/or cancel The “Card” if no payment is received for more than a month after The “Statement Date”. Any security held by The “Bank” against this facility, assets, valuables, or moneys on deposit with The “Bank” may be used by The “Bank” to offset The “Cardholder‟s” liability without notice to The “Cardholder”. Additionally, any credit balance in a Current/ Savings/Fixed Deposits Account or other moneys that may not be held as security by The “Bank”, can be withheld for the same purpose.

10. In case The “Card” is terminated by either The “Bank” or The “Cardholder” for any reason whatsoever, or in case of death, Bankruptcy, insolvency or incapacity of The “Cardholder”, the total outstanding “New Balance” appearing on The “Card Account” together with any amount incurred due to the usage of The “Card” but not yet charged to the “Card Account” shall, notwithstanding anything contained in this Agreement or elsewhere, become immediately due and payable to The “Bank”. In case of death, the heirs of The “Cardholder” will be liable for all payments due.

11. The “Cardholder” is bound to always keep the outstanding “New Balance” of The “Card” equal to or below the prescribed “Credit Limit” as currently sanctioned by The “Bank”.

12. The “Bank” shall apply an “Over limit Fee” if the outstanding “New Balance” exceeds the prescribed “Credit Limit” in The “Card Account”. The fee shall continue to be applied by The “Bank” each month if the outstanding “New Balance” in The “Card Account” exceeded The “Credit Limit”. This fee shall be based on the prevailing rates charged by The “Bank” which may vary from time to time as determined by The “Bank” at its sole discretion and determination.

13. If the outstanding “New Balance” exceeded The “Credit Limit”, The “Minimum Payment Due” stated in the next “Statement of Account” will compose of the full sum by which The “Credit Limit” is exceeded. The “Cardholder” has to pay that “Minimum Payment Due” in full to The “Bank” on the first demand. If the outstanding “New Balance” continues to exceed The “Credit Limit”, The “Bank” shall have the right, without notice, to cancel The “Card” and in this case the whole outstanding “New Balance” on The “Card Account” shall immediately become due and payable to The “Bank”.

14. All charges posted to The “Cardholder” against transactions occurring in a foreign currency will be posted to the “Cardholder Account” at the exchange rate received from the processing bank. Currency conversion may include conversion fees as applied by Visa/MasterCard International or the “Bank”. The “Bank” shall not be responsible/liable for any loss arising due to foreign exchange rates fluctuations or conversions.

15. Any refund from a merchant shall be posted to The “Card Account” upon receipt of the transaction by the “Bank”, and the “Bank” assumes no liability for non-receipt of a refund. The refund will be posted to The “Card Account” at the exchange rate received from the processing Bank. The “Bank” assumes no liability for any loss arising due to foreign exchange rates fluctuations or conversions, independent of how close in time the refund is to the original transaction.

16. Without prejudice to The “Bank‟s” right at any time to take the appropriate legal action, The “Bank” may charge fees for any returned unpaid Cheque drawn by The “Cardholder” as full or partial payment of the outstanding “New Balance”.

17. The “Bank” at its sole discretion may appoint an agent to collect all sums due to The “Bank” by The “Cardholder” pursuant to this Agreement. Any and all legal and collection costs incurred in collecting any or all moneys due to The “Bank” under this Agreement shall be solely and fully borne by The “Cardholder”.

18. This agreement and any amendments thereof shall be binding on The “Cardholder” and his/her successors. 4. Supplementary Card 1. Upon request by The “Principal Cardholder”, including requests received through facsimile communication. The “Bank” at its sole

discretion and determination may agree to issue a “Supplementary Card” and charge fees for such issuance. The “Principal Cardholder” shall be fully responsible and liable for payment of the value of The “Card Transactions” made by The “Supplementary Card”.

2. All terms and conditions stated hereunder in this Agreement are fully binding on and applicable to The “Supplementary Cardholder” who will be severally and jointly liable with the “Principal Cardholder”.

3. The “Credit Limit” sanctioned to The “Principal Cardholder” shall be inclusive of The “Credit Limit” of The “Supplementary Cardholder”.

4. The validity of The “Supplementary Card” shall at all times be dependent on the validity of The “Principal Card”. If The “Principal Card” is terminated or cancelled, The “Supplementary Card” shall automatically be terminated and cancelled, but not vice versa.

5. The customer undertakes to provide the bank with all necessary documents at the bank‟s demand

5. Loss of the Card 1. If the “Card” is lost, stolen, or The “PIN” is misplaced, disclosed or otherwise, The “Cardholder” must immediately, and within 24

hours, notify The “Bank” in person or in writing. In case such an event occurs outside the normal Banking hours, The “Cardholders” shall call the Mashreq Qatar Customer Service number/hotline. Any such notification must be confirmed in writing immediately but in any case within seven days to The “Bank”. The “Cardholder” shall at all times remain liable for any use or misuse of The “Card” and/or The “PIN”, including all “Cash Advances”, prior to reporting the loss, theft, misplacement, disclosure or otherwise. The “Cardholder” must give The “Bank” all available information as to the circumstances surrounding the said loss, theft, misplacement, disclosure or otherwise of the “Card” and/or “PIN”. The “Bank” shall not be liable in any manner whatsoever for any loss or damage which may be incurred or which might arise directly or indirectly as a result of the loss/theft of The “Card” or its misuse and/or misplacement/disclosure of The “PIN”.

2. Without prejudice to the contents of Clause (1) above, and in addition to it, and whichever is sooner, The “Cardholder” will remain fully liable to The “Bank” in respect of any use or misuse of The “Card” after cancellation or during a period when the right to use The “Card” has been withdrawn or suspended or both whichever comes sooner. Cancellation of the “Card” shall not affect The “Cardholder‟s” liabilities or obligations pursuant to this Agreement arisen prior to such cancellation.

3. The “Bank” may at its own discretion and determination, subject to charging a fee, issue The “Cardholder” a replacement “Card” in substitution of the reported lost, stolen, misplaced, or otherwise in addition to a new “PIN” at the sole risk and expense of The “Cardholder”.

4. If the “Cardholder” recovers The “Card” previously reported to be lost, stolen, misplaced, or otherwise, The “Card” must not be used and The “Cardholder” must cut the Card into two and immediately return both halves to the Bank.

Accident Care Terms and Conditions The rights of any card member subscribing to the Accident Care are governed by the Group Personal Accident (“Policy”) held by Mashreq Qatar. The following is a summary of salient conditions from the aforementioned Policy. In the event of any doubt/conflict arising out

of difference in meaning between the summary herein and the Policy held by Mashreq Qatar, then the meaning conveyed by the Policy shall prevail. Definitions “Company” means partner insurance company providing insurance cover“Injury” means accidental bodily injury occurring while Policy is in force as to the Insured Person whose injury is the basis of claim, and resulting, directly and independently of all other causes, in loss covered by the PolicyLosses covered in this Policy is Death and Permanent Total Disability“Insured Person” means a Credit Cardholder of Mashreq Qatar (Policyholder) between the ages of 18 and 69 who has not opted out of Accident Care enrollment“Policyholder” means Mashreq Qatar“Scheduled Airline” means any civilian aircraft operated by a civilian scheduled air carrier holding a certificate, license or similar authorization for civilian scheduled air carrier transport issued by the country of the aircraft‟s registry, and which in accordance therewith flies, maintains and publishes tariffs for regular passenger service between named cities at regular and specified times, on regular or chartered flights operated by such carrier“Premium Charge Date” means the date on which the Policyholder charges the Premium due to the Mashreq Qatar Credit Card Account“Totally and Permanently Disabled” means the Insured Person is unable to engage in any substantially gainful occupation or employment for the remainder of

9/12/2013

the Insured Person‟s life“Terrorism” means the use or threatened use of force or violence against person or property, or commission of an act dangerous to human life or property, or commission of an act that interferes with or disrupts an electronic or communication system undertaken by any person or group, whether or not acting on behalf of or in any connection with any organization, government, power, authority or military force, when the effect is immediate, coerce or harm a government, the civilian population or segment thereof, or to disrupt any segment of the economy“War” means war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. Benefits 1. Loss of Life Indemnity If a covered injury results in death of an Insured Person within one hundred and eighty (180) days after the date of the accident, the Company will pay QAR 150,000 (or amounts as per latest policy) to such Insured Person‟s legal heir(s) less any other amount paid or payable under Benefit (2). 2. Total and Permanent Disability If, as the result of a covered injury, and commencing within one hundred and eighty (180) days after the date of the Injury, an Insured Person becomes Totally Disabled and such disability has continued for a period of twelve (12) consecutive months and if the Insured Person is Totally and Permanently Disabled at the end of this period, the Company will pay QAR 150,000 (or amounts as per latest policy) to such Insured Person. Exceptions 1. This policy does not cover any loss or expense caused by a resulting from: 2. Intentionally self-inflicted injury, suicide, or any attempt there at while sane or insane. 3. War, invasion, act of foreign enemy, hostilities or warlike operations (whether War be declared or not), mutiny, riot, civil commotion,

strike, civil war, rebellion, revolution, insurrections, conspiracy, military or usurped power, martial law, or state or siege; or any of the events of causes which determine the proclamation of or enforcement of martial law or state of siege, except to the extent coverage is extended herein to include certain War risks.

4. Any period an Insured Person is serving in the Armed Forces of any country international authority, whether in peace or War, and in such an event the Company, upon written notification by the Policyholder, shall return the pro rata premium for any such period of service.

5. Loss sustained or contracted in consequence of an Insured Person being intoxicated or under the influence of any narcotic or drug unless administered on the advice of the physician.

6. Any loss of which a contributing cause was the Insured Person‟s attempted commission of, or willful participation in, an illegal act of violation or attempted violation of the law or resistance to arrest by the Insured Person. a. Any loss sustained while flying in an aircraft or device for aerial navigation except as specifically provided herein; nor b. Flying in any aircraft owned, leased or operated by or on behalf of:

i. The Policyholder or any subsidiary or affiliate the Policyholder; ii. An Insured Person or any member of any Insured Person‟s household.

7. Bacterial infections except phylogenic infections which are caused by an accidental wound. 8. Driving or riding as a passenger in or on (a) any vehicle engaged in any race, speed test or endurance test or (b) any vehicle being

used for acrobatic or stunt driving. 9. Any claim cause by opportunistic infection or malignant neoplasm, or any other sickness condition, if, at the time of the claim, the

Insured Person had been diagnosed as having AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) or having an anti body positive blood test to HIV (Human Immune Virus).

10. Terrorism, including any action taken in hindering or defending against an actual or expected incident of Terrorism; nor a. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive

contamination; nor b. Chemical materials; nor c. The release of pathogenic or poisonous biological or chemical materials.

General Conditions 1. Premiums: All premiums and applicable taxes are payable by the Insured Person to the Policyholder by the payment due date in the

Credit Card Statement and thereon to the Company.

2. The maximum limit of benefit per Insured Person is QAR 150,000 (or amounts as per latest policy), irrespective of the number of Mashreq Qatar Credit Cards that the Insured Person may have.

3. Flying Coverage: Coverage as respects flying is limited to injury sustained during the trip while the Insured Person is riding as a passenger (but not as a pilot, operator or a member of the crew) in or on, boarding or alighting for a Scheduled Airline.

4. Commencement of Insurance: The coverage in respect of the Insured Person commences on each Premium Charged Date. “Premium Charged Date” is the date on which the Policyholder charges the premium due, to the Mashreq Qatar Credit Card Account.

5. Period of Cover: Maximum of Thirty One (31) days in the event the immediately following “Premium Charged Date” falls within 30 days from commencement of Insurance.

6. Termination of individual Insurance. The coverage in respect of the Insured Person terminates are the earliest of: a. The date of the Policy is terminated by the Policyholder. b. The last of the month in which the Insured Person reaches the age of Sixty Nine. c. The date of the Insured Person ceases to be a Cardholder of the Policyholder. d. The “Premium Charged Date” immediately following the cancellation of this Policy by the Insured Person or by the Policyholder

with respect to the Insured Person. e. The premium due date, if the required premium is not paid. f. The claims being settled in respect to the Insured Person.

Any such termination shall be without prejudice at any valid claim originating prior to the date of termination. 7. Reinstatement of an individual Insurance: When the individual Insurance is terminated by either of sub-conditions (c), (d) or (e) as

in General Condition (f) above, then any subsequent acceptance of the premium and reinstatement of the individual Insurance by the Company shall cover loss resulting from injury sustained after the date of such reinstatement.

8. Any payment of any claims whatsoever to be paid to an Insured Person has to be released by the Company. A dispute of nonpayment of claim shall be solely between Company and Insured Person. Policyholder has no responsibility to any claims or losses whatsoever nature except as provided herein.

9. Cancellation: The Company or the Policyholder may cancel the Policy at any time. 10. Notice of Claim: Written notice of claim must be given to the Company by or on behalf of the Insured Person within thirty (30) days

occurrence of the incident giving rise to the claim. 11. Time for filing of Claim Forms: Completed Claim forms and written proof of loss must be given to the Company within one hundred

and eighty (180) days from the date of such loss. 12. Time of payment claim: Benefits payable under the Policy for covered losses will be paid immediately upon receipt of due written

proof of loss. 13. Claim forms: The Company, upon receipt of a notice of Claim, will furnish to the claimant such forms as are usually required by the

Company for filing proofs of such loss. 14. To whom benefits are paid: Any payment for Accidental Death becoming due hereunder shall be payable to the legal heirs of the

Insured Person, upon providing authenticated proof. 15. Medical Examination: The Company at its own expense shall have the right and opportunity to examine an Insured Person when and

as often as the Company may reasonably require during the pendency of a claim hereunder, and also the right and opportunity to make an autopsy in case of death.

16. Legal action: No action at law or equity shall be brought to the recovery on the Policy prior to the expiration in sixty (60) days after written proof of loss has been furnished in accordance with the requirements of the Policy. No such action shall be brought after the expiration of three (3) years after the time written proof of loss is required to be furnished.

17. Change in premium notes: The Company and the Policyholder may anytime without prior notice to the Insured Person, change the premium notes for this Policy.

18. Compliance with Policy provisions: Failure to comply with any of the provisions contained in this policy shall invalidate all. Comprehensive Credit Shield Terms and Conditions Important Notice 1. In the event that the Cardholder opts for coverage under the Credit Shield Insurance coverage, the coverage shall automatically

commence from the commencement date. 2. The Card member has the option to opt out of the scheme at any time by informing Mashreq Qatar. However, once opted out, the

Card member will not be allowed to re-join the scheme. 3. The charges towards this cover will be levied to the Card member‟s Card Account on the basis of his/her preference to opt for the

cover and/or on Account of his/her automatic enrollment. This will not necessarily imply eligibility of the Card member to the cover benefits.

4. Cover will be applicable only for Principal Cardmembers. 5. The Card member shall be of age between 18 to 65 years in respect of Death and Disablement covers and 18 to 59 years

Involuntary Loss of Employment Cover.

9/12/2013

6. The Territorial Limit in respect of Death or Disablement is „worldwide‟, and in respect of Involuntary Loss of Employment, Qatar‟. 7. The cover is subject to the Jurisdiction of the competent courts of Qatar. 8. The Bank reserves the right, at any time, to change the terms, conditions, rates and/or reject, discontinue or cancel the cover

applicable without assigning any reason thereof. 9. Death or Disablement cover shall be due to bodily injury or illness but excluding the reasons mentioned in the exclusions. 10. All the benefits payable under this scheme shall be written off against the Card member‟s total amount outstanding with the Bank. 11. In the event of Involuntary Loss of Employment benefits being provided to the Card member, the Card member shall notify the

Insurance Company immediately upon Re-employment but not later than 15 days from the date of Re-employment. Failure to notify the Company shall render the benefits provided under this cover fully recoverable without contestation.

12. Mashreq Qatar is not at any time considered as an agent of Oman Insurance Company, the “Insurance Provider”. Any contestations for any insurance coverage shall be negotiated directly with Oman Insurance Company, Dubai.

Definitions „Accident‟ means where the bodily injury is caused solely and directly by external violent means is unexpected, unforeseeable and not attributable to the Card member‟s intentional self-injury or suicide„Bank‟ means the Mashreq Qatar„Benefit‟ means the indemnity payable under the scope of this Cover in respect of Death or Permanent Total Disablement or Involuntary Loss of Employment of the Card member„Card member‟ means a Principal Account holder of the Credit Card Facility with the Bank who has not unsubscribed to the benefits under this Cover and has not been disqualified by the provisions of this Cover to be eligible to receive the benefits under this Cover„Commencement Date‟ means for new Cardmembers, the date of issue or the date the Card member is enrolled for this benefit„Company‟ means the Oman Insurance Company, Dubai, United Arab Emirates„Cover‟ means the Credit Shield Benefit offered by the Bank in association with Oman Insurance Company„Cover Period‟ means the period after Commencement Date during which the benefits under this cover shall apply„Credit‟ means the credit or other form of financial accommodation provided by the Bank to the Card member under the Credit Card Facility„Credit Card Facility‟ means the Bank‟s Visa/MasterCard Credit Card Facility, which have been nominated as the facilities to which the benefits under this Cover are to apply. „Date of Event‟ means any one of the following: 1. In respect of Death the date of death resulting from an accident or illness happening/manifesting after the Commencement Date

and during the Cover Period. 2. In respect of Permanent Total Disablement the date of recognition of Permanent Total Disablement by a Competent Authority

resulting from an accident or illness happening/manifesting after the Commencement Date and during the Cover Period. 3. In respect of Involuntary Loss of Employment, the date of notice of termination served to the Card member after the

Commencement Date and during the Cover Period. „Death‟ means death by injury or illness„Illness‟ means a disease or sickness first occurring after the Commencement Date„Indebtedness‟ means the total amount outstanding in the Credit Card Facility as on the Date of Event but excluding any Credit facility availed after the Date of Event subject to a maximum of the Card member‟s credit limit„Injury‟ means bodily injury resulting from an Accident occurring after the Commencement Date„Involuntary Loss of Employment‟ means unemployment of the Card member arising out of the unilateral decision of the employer to terminate his employment contract without citing any reason or for any reason other than those excluded„Maximum Coverage Age‟ means the following age(s) upon attainment of which the Cover ceases in respect of the Card memberi. Death/Disablement: 65 years ii. Involuntary Loss of Employment: 59 years „Permanent Total Disablement‟ means either of the below as a result of the injury or illness arising out of a cause not specifically excluded under this policy: 1. Permanent Loss of sight of both eyes 2. Physical severance/amputation of two limbs 3. Complete and Permanent Paralysis 4. Totally Disabled and the Card member is rendered unable to earn income in any occupation, trade or profession for which the Card member could reasonably be expected to be suited through education, training or experience provided that the disability shall be for a period of six consecutive months and that the Company is satisfied that the Card member will be so rendered indefinitely. However this time limit shall not apply to cases of physical severance/amputation of limbs. „Pre-existing Condition‟ means illness, disease or sickness occurring or manifesting prior to the Commencement Date, for which advice or treatment was sought or obtained from a medical practitioner, chiropractor, naturopath, or any other practitioner of a similar kind within twelve months immediately prior to the Commencement Date„Re-Employment‟ means accepting and starting work for a new employer or the same employer under a new employment contract within 12 (twelve) months from the date of actual unemployment.

Coverage 1. In respect of Death or Permanent Total Disablement of the Principal Card member, the Card member‟s Indebtedness as on the Date

of Event subject to a maximum of QAR 50,000 (or amounts as per latest policy) 2. In respect of Involuntary Loss of Employment for the Principal Card member, 10% of the Indebtedness as on the Date of Event plus

accrued interest thereon for that month subject to a maximum of QAR 4,000 (inclusive of interest/charges) (or amounts as per latest policy) for every month of unemployment up to a maximum of 12 months. The benefits shall not be payable for the first 30 days of unemployment. The benefits are payable only if the Date of Event falls after 90 days of the Commencement Date.

Exclusions 1. No Benefits under this Cover shall be applicable in respect of a Card member where the Event giving rise to a claim under this Cover

occurs as a result of: a. Death by suicide within 12 months from the Date of Commencement b. Illness occurring within 30 days of the commencement date; c. Any deliberate self-inflicted injury and/or self-medication (without a proper prescription from a legally recognized medical

practitioner) d. The effects or complications arising from pregnancy e. Any accident occurring on or in or about any aircraft other than an aircraft in which the Card member was travelling as a bonafide

passenger and which is operated by a licensed commercial or chartered airline f. Nuclear Radiation, Nuclear Fission, Nuclear Fusion and/or Radioactive Contamination g. Riot, civil commotion, strikes and war (whether war be declared or not), rebellion, insurrection, resurrection, popular rising,

usurped power, terrorism h. The influence of alcohol or drugs other than proper use of drugs prescribed by a legally qualified medical practitioner, but this

exclusion shall not apply to Death claim i. Due to Chronic Illness / Condition but this exclusion shall not apply to Death Claim j. Illness due to pre-existing condition but this exclusion shall not apply in respect of Death occurring after a continuous period of 6

months from the Date of Commencement. However, this exclusion is applicable only if the Company is able to substantiate „preexisting condition‟ within 1 month from the date of submission of all required claims documentation to the Company

k. Acquired Immune Deficiency Syndrome (AIDS), AIDS related Complex (ARC) as defined by the World Health Organization from time to time or the presence of the Human Immunodeficiency Virus (HIV) as revealed by the positive HIV anti-body or HIV test

2. The benefits under this Cover shall not be applicable to the Card member where the Card member has received or have applied to receive a similar benefit covering the same interest under any other product or insurance in respect of the period for which the indemnity under this Cover shall apply.

3. The benefits under this Cover shall not be applicable in respect of Involuntary Loss of Employment arising out of and/or attributable to and/or in connection with the following: i. Employment on a fixed term contract for less than 2 years or part time or temporary employment ii. Resignation or leaving by mutual agreement or voluntary unemployment or redundancy after voluntary breaks from

employment in excess of normal holiday entitlement iii. Disability, sickness or accident or any other medical reasons (mental and/or physical) iv. Involuntary Loss of Employment which starts within 90 days of the Commencement Date v. Where the Card member was aware of pending unemployment on or before the Commencement Date

vi. Where the unemployment is a normal seasonal part of the employment or due to nonrenewal of employment contract by the authorities

vii. Where the Card member has neither been terminated nor become redundant but his/her salary or allowances is being withheld in part or in full for any reason of the employment contract

viii. Unemployment due to any of the following: a. Misconduct b. Refusal to accept orders from the superiors c. Convicted of a crime d. Dishonesty or Fraudulent Act

ix. The period for which payment from the employer is received instead of working notice x. Termination of employment due to voluntary retirement xi. Company failure where a contributing cause was a natural catastrophic peril xii. Qatarisation

9/12/2013

و األحكام الشروط

الخاصة بالخذمات المصرفية لالفراد

9/12/2013

التعريفاث

. ثبعزضبء ب طة خالف ره ف اغ١بق، رؾ اىبد ا٢ر١خ اؼ اؼط ب

. ززب١١" وشف ؽغبة"رؼ اذح اض١خ از رفظ ث١ راس٠خ اطذاس " دسح اػذاد افار١ش"٠ؼ ثه اششق لطش" اجه"أ " اششق"٠ؼ عبص اظشف ا٢." أ.ر.ا٠"

الد ؼب"، غشع ل١ذ وبفخ "ؽب اجطبلخ اشئ١غ"ثبع " اجه"٠ؼ اؾغبة افزػ لج " ؽغبة اجطبلخ"اجه"بعزش وبسد اظبدسح ػ /ضارؼ اجطبلخ االئزب١خ ف١" اجطبلخ"

ؽب "، غ افبئذح ازىب١ف أ سع أخش، غشع ل١ذ اجبغ اغزشدح اغزؾمخ، ف اؾغبة، وب ٠ز اعشاإ لج "اجطبلخ"ػ ؽغبث، از رشؤ ز١غخ اعزخذا " اجطبلخ، وب ٠ز اعشاإ لج "عفخ مذ٠خ"أ اعزال /أ اؾغصاد /أ اعزال ابفغ /أ اخذبد /رؼ ششاء اغغ " اؼبخ از رز ثبعزخذا اجطبلخ"أ ازبثغ/اشئ١غ " اجطبلخ

شخض ا" ؽب اجطبلخ"أ افبوظ/أ ابرف /ثب ف ره اطجبد از رمذ ثاعطخ اجش٠ذ PINأ سض /أ سل اجطبلخ /" اجطبلخ"مبء اعزخذا " ؽب اجطبلخ" ز أطذس ٠ؼ ا

، عاء خالي "اجطبلخ"مبء " ؽب اجطبلخ"ا " اجه"رؼ امذ امذ لج " اغفخ امذ٠خ"أ اػبف١ب/ثطبلخ ثبع ١غزخذب، عاء وب ؽب ثطبلخ سئ١غ١ب " " اجه"

عفخ "، وب ٠ز ؼ "ذ٠خعفخ م"ػذ اؾظي ػ " اجه" لج " ؽغبة اجطبلخ"شع ػ ٠ؼ اشع اف" سع اغفخ امذ٠خ"ع١خ اىزش١خ أ ؼبخ عب ع

ؽب "" ؽب اجطبلخ اشئ١غ"ؾغبة ثطبلخ ال ٠ى رغبص ٠ى اطي ا١ لج " اجه"٠ؼ اؾذ األلظ جغ االئزب اغػ لج " اؾذ االئزب اغػ""مذ٠خ

اشط١ذ "، ف ؽبي ٠ز رغ٠خ "شط١ذ اغذ٠ذ"ثبغجخ " ؽغبة اجطبلخ"ػ " اجه"رؼ افبئذح افشػخ لج " اشع اب١خ""اجطبلخ" خالي اعزخذا " اجطبلخ ازبثغ

غب٠خ " اغفخ امذ٠خ"از ر ف١ اػطبء " ربس٠خ اؼبخ" " اغفبد امذ٠خ"شػخ ػ ٠ز اؽزغبة افبئذح افأ لج" ربس٠خ اعزؾمبق اذفغ"ازؤخش اغذاد ثبىب، ف " اغذ٠ذ

، "ربس٠خ اعزؾمبق اذفغ"" ربس٠خ اىشف"رؼ اذح اض١خ ث١ " ذح اغبػ"أ ال" اشزش٠بد ثبزغضئخ"رغذ٠ذب ثبىب غ اؽزبي أ ٠ى ؼذي افبئذح راد اؼذي افشع ػ

رغغ١ اذفغ /ػذب ال ٠ز اعزال" ؽغبة اجطبلخ"٠ؼ اشع افشع ػ " سع اذفغ ازؤخش""اششاء ثبزغضئخ اغذ٠ذ"خالب ػ سط١ذ " سع ب١خ"ؽ١ش لذ ال ٠ز رؾ أ

اؾذ األد ذفؼخ "أ ارا وبذ اذفؼخ أل جغ /، "خ اعزؾمبق اذفغربس٠"ثؼذ " ؽغبة اجطبلخ"رغغ١ ل١ذ ف /ؽغبة اجطبلخ أ ػذب ال ٠ز اعزال"ل١ذ ف ظبد رمج ثبجطبلخ أ سل اجطبلخ، وطش٠مخ دفغ ص اغغ أ ابفغ أ اؾغصاد أ /ئعغخ/ششوخ/غ/٠ؼ أ ى ػ عج١ اضبي ال اؾظش، شخض" اجبئغ""اغزؾمخ

ذفؼخ األل اؾذد ف " اؾذ األد ذفؼخ اغزؾمخ" اخذبد امذخ لج أ ربس٠خ "ف " ؽب اجطبلخ اشئ١غ"، اطة دفؼ لج "وشف اؾغبة"٠ؼ جغ ا

" اشط١ذ اغذ٠ذ""اؾذ األد ذفؼخ اغزؾمخ"عضءا اغبثمخ " دسح اػذاد افار١ش" " اجغ ازؤخش اغذاد"٠شى بشطب " ؽغبة اجطبلخ"أ لج، ألع اثمبء " اذفغ اغزؾك

، "اشط١ذ اغبثك"٠غص أ ٠زؼ "وشف اؾغبة"ف ربس٠خ اطذاس " اجه"ا اجه، ثبالعزبد ا عغالد " ؽب اجطبلخ اشئ١غ"٠ؼ اشط١ذ اإلعب اغزؾك اذفغ لج

ا " اجه"رؼ امذ امذ لج " اغفخ امذ٠خ اغذ٠ذح""اششاء اغذ٠ذ ثبزغضئخ"أ /" اغفخ امذ٠خ اغذ٠ذح"سطذح اغذ٠ذح از لذ رزؼ اغبثمخ، األ" دساد اػذاد افار١ش"

ف ششاء اغغ أ اخذبد أ اعزال ابفغ أ اؾغصاد خالي " لخاجطب"٠ؼ اشط١ذ ابشئ ػ اعزخذا " اششاء اغذ٠ذ ثبزغضئخ"اؾب١خ" دسح اػذاد افار١ش"خالي " ؽب اجطبلخ"

ف أ لذ خالي " اؾذ اإلئزب اغػ" "اشط١ذ اغذ٠ذ"ارا رغبص " ؽغبة اجطبلخ"٠ؼ اشع افشع ػ " سع رغبص اؾذ االئزب اغػ"اؾب١خ" دسح اػذاد افار١ش"

ربس٠خ "اغبثمخ از ٠ز دفؼ ال ٠ضاي غزؾمب " دسح اػذاد افار١ش""از وب غزؾمب ذفغ ف " اشط١ذ اغبثك" " اؾذ األد ذفؼخ"٠ؼ " غذاداجغ ازؤخش ا"اشش

األوضش " اشط١ذ اغذ٠ذ"اذفؼخ اىبخ أ عضء " د ذفؼخ اغزؾمخاؾذ األ" "اجه"ا " ؽب اجطبلخ"٠غت أ ٠ذفغ ف١ " وشف اؾغبة"٠ؼ ازبس٠خ اؾذد ف " اعزؾمبق اذفغ

رغغ١ /٠غت اعزال"ربس٠خ اعزؾمبق اذفغ"ػطخ سع١خ، ٠ؼزجش ػذئز ٠ اؼ األخ١ش لج اؼطخ اشع١خ أ " ربس٠خ اعزؾمبق اذفغ"ارا وب "اؾذ األد ذفؼخ اغزؾمخ"

ؽ١ضب ػذب " اجطبلخ"العزخذا غ " ؽب اجطبلخ"ا " اجه"٠ؼ سل ازؼش٠ف اشخظ از ٠مذ " "PINأ لج" ربس٠خ اعزؾمبق اذفغ"ف " غبة اجطبلخؽ"اذفؼخ ل١ذب ف

ؽغبة "ر ل١ذب ف " اجطبلخ"اىب از اعزخذذ ف١ " اجه"از ر ف١ اعزال اؼبخ لج " وشف اؾغبة"٠ؼ ازبس٠خ اؾذد ف " ربس٠خ ام١ذ"٠طت ره

غفخ امذ٠خ"أ /" اششاء ثبزغضئخ"اغبثمخ از لذ ٠زؤف " دسح اػذاد افار١ش"٠ؼ اشط١ذ ازؤخش اإلعب اغزؾك ػ اذفؼخ اشؽخ " اشط١ذ اغبثك""اجطبلخ أ /" ا

ثعت االؽزفبظ ث ثبع" ؽغبة اجطبلخ"اؽذح أ أوضش، ٠ز فزؼ " ثطبلخ"ثبطذاس " اجه"٠ؼ اشخض از ٠مذ ؽجب ا " ؽب اجطبلخ اشئ١غ"شعأ ا/" ازىب١ف اب١خ"

٠ؼ أ " اششاء ثبزغضئخ""ؽب اجطبلخ ازبثغ"ز رشرجذ ػ ا اجه، ؽ" ؽغبة اجطبلخ"غئال ػ دفغ وبفخ اجبغ ام١ذح ػ " ؽب اجطبلخ اشئ١غ"ز االرفبف١خ، ٠ى

زا ٠ز ف از ٠ز ف١ اطذاس ؽجبػخ اىشف" وشف اؾغبة"٠ؼ ازبس٠خ اؾذد ف " ربس٠خ اىشف""اجطبلخ"ششاء عغ أ خذبد أ اعزال بفغ أ ؽغصاد رز مبث اعزخذا

ثبجش٠ذ اؼبد أ اجش٠ذ االىزش، ٠ج١ وبفخ ازفبط١ اخبطخ " ؽب اجطبلخ اشئ١غ"٠ؼ اىشف اشش از ٠ز اسعب ا " وشف اؾغبة""دسح اطذاس فار١ش"ب٠خ و

از رى زعجخ " ؽغبة اجطبلخ"اغبثمخ، خالي " ذاس افار١شدسح اط"، خالي "ؽب اجطبلخ ازبثغ"أ " ؽب اجطبلخ اشئ١غ"از ٠م ثب " ثبؼبالد از رز ثبعزخذا اجطبلخ"" ربس٠خ اؼبخ"ثطبلخ اػبف١خ ثبع" اجه"از أطذس " ؽغبة اجطبلخ"العزخذا " ؽب اجطبلخ اشئ١غ"٠ؼ اشخض اغ لج " ؽب اجطبلخ ازبثغ" "جه"اذفغ

. از ر ف١ اعشاء اؼبخ" اؾغبةوشف "٠ؼ ازبس٠خ اؾذد ف

(الخذهاث/التي تشول كافت الوتجاث)لبىد والشروط العاهت

اؼشائت اظبس٠ف األخش، راد اظخ ثىبفخ اؼ١بد اعزخذا /٠ؾك جه، د اشعع ا اؼ١، أ ٠غغ ػ ؽغبثبد اؼ١ وبفخ اشع افمبد افائذ اؼالد .1 . ازغبد ف ب ث١ اؼ١ اجه، فمب غذي اشع/ازغ١الد

٠ى اؼ١ اإلؽالع ػ وبفخ اجد .بعجب، ف أ لذ، أ ٠م ثزجذ٠ أ رغ١١ش أ رؼذ٠ أ ص٠بدح أ اجد اششؽ األعؼبس اؾذدح ثعج٠غص جه، فك ب ٠شرئ١ .2

. www.mashreq.qaاششؽ األعؼبس اؾذصخ ػ الغ االىزش د اإلخالي ثؾك اجه ف االعزبد ا أ لب أ عطب . اما١ ازغبس٠خ اشػ١خ اإلعشاء ف لطش/غبس٠خ رخؼغ بسعبدرؼزجش وبفخ االرفبلبد ثعت زا اطت غزذاد ر .3

لطش ثبالخزظبص اؾظش -خ ف اذؽخلطش، ربؽ اؾىخ اذ١-ابسعبد ازغبس٠خ اؼي ثب ف اذؽخ/لؼبئ آخش، رخؼغ اجد اششؽ وبفخ اغبئ راد اظخ ا اما١ . زغ٠خ أ ضاع أ خالف بشئ أ لذ ٠شؤ ف زا اشؤ

. ، ؽغت اؾبعخ لذ ا آخش، غ أ د افمز(ال ٠ؾظش ثىزت امشع)أ٠ب ؼبد اؼ١ غ اغ١ش /٠ؾك جه أ ٠زشبسن وال .4

ازضاب ثزا اششؽ ثضبثخ ؽبخ رخف، ٠خي ثه اششق لطش ز١غزب اإلػال /جد اششؽ اظص ػب ف زا اغزذ، ٠ؼزجش ػذ ازضا٠زؼذ اؼ١ ثؤ ٠زم١ذ ربب ثىبفخ ا .5 . طش ز١غخ زه غزؾمب اعت اذفغ ػ افسػ وب ل١خ امشع ا عبت افائذ اشع األخش، ثبزب، ٠ؼزجش اؼط اؼشس از لذ ٠زىجذ أ ٠زؾ ثه اششق ل

ال . طؾخ أسطذر ازضابر رغب اجهرشى اغغالد اشبداد وشفبد اؾغبثبد، اظبدسح ػ اجه ف ب ٠زؼك ثىبفخ ازغبد ازغ١الد، اذ١ امبؽغ ابئ ػ .6 .٠ؾك ؼ١ االػزشاع ػ١ب

اظؾ١ؾخ ؼبد ازوسح ف زا اطت غ اؼبد اج١خ ػ اغخ ؽجك األط، ٠ؼزجش اجه أ اؼبد اؾذدح ػ اغخ ؽجك األط ف ؽبي ػذ رطبثك ا .7

. خ ذ اجهاذل١مخ، رؾ ىب اؼبد ازوسح ف اطت غشع فزؼ اؾغبثبد، ؽت أ زظ أ خذخ أخش، أ رؾذ٠ش اغغالد اشع١، ػ وبفخ ازغبد www.mashreq.qaرطجك وبفخ اشع ازىب١ف اذسعخ ػ عذي اشع ثه اششق، ازفش ذ وبفخ فشع ثه اششق ػ الغ االىزش .8

. اخذبد امذخ ؼ١١ظ اجه . ىب جه.( ثب ف ره االعزبساد، اغزذاد، ش١ىبد اؼب، األاش، أ صبئك أخش، أخ)اؼ١ خالي اعشاءاد اطت / ٠فشب مذ اطترظجؼ وبفخ األساق از .9

٠ذ ازغ١الد، أ الفبي اف ر اظخ، أ ثغب اؾذ األلظ، اػبدح ضب ثبػبدح أ األساق ازوسح، وب ٠غص ازخض ب أ ارالفب ف ؽبي سفغ اطت، أ ف ؽبي رغذ

. ١ىزب، أ رؼذ٠ب رغ١الد اؼ١ أ ٠شفغ اخذبد د افمذ اؼ١، ف ؽبي وب اؼ١ ػبعضا ػ رف١ش اغزذاد اطثخ أ ف ؽبي خبفز/٠ وبفخ ؽغبثبد/٠ؾك جه أ ٠مف .10

. ع١بعبد اجه/ رؼ١بدأل آ أ عبص اىزش أ ظب ارظبالد أ ال ٠زؾ اجه أ غئ١خ رغب اؼ١ ػ أ خغبسح أ ػشس ٠ؾك ثبؼ١ ٠ى بشئب ػ أ امطبع أ ػط أ ػ١ت ف آ عبص طشف .11

.أ أ شء أ عجت، عاء وب خبسط ع١طشح اجه أ غ١ش ره، ٠غ اؼ١ اغبص ؼبخ ظب ؼبغخ ث١ببد أ ساثؾ خبص ثؼبالد أ أ ضاع ػب أ غ١ش١خ ٠زؾ اؼ١ ، ؽذ ثبىب، أ٠ب وبفخ ازىب١ف امب. ٠غص أ ٠ؼ١ اجه، فك رمذ٠ش، و١ال زؾظ١ وبفخ اجبغ اغزؾمخ جه لج اؼ١ ثبء ػ ز االرفبل١خ .12

. رىب١ف ازؾظ١ ازؾخ ف رؾظ١ أ وبفخ األاي اغزؾمخ جه ثعت ز االرفبل١خ . افبئذح ١ظ لبثخ شد ا اؼ١ ؽبب ٠ز دفؼب/اشع/ا وبفخ األرؼبة .13خ ػذ٠ذح، ثب ف ره ػ عج١ اضبي ال اؾظش اؾغبثبد، امشع اجطبلبد االئزب١خ، ؼذ/٠افك اؼ١ ػ أ ٠غص أ ٠زظ ث اجه لذ ٢خش ثشؤ زغبد خذبد عذ٠ذح .14

ثذ ػ سل أ رل١غ ػ أل١خ اىزش١خ اغؾت ػ اىشف، ازؤ١، االعزضبساد، اإل٠ذاػبد، اؼبالد اب١خ، رؾذ٠ش اؼبد، اخ، از عف ٠ز اعزظذاسب رف١زبزشذ، ظب اشعبئ امظ١شح، اخ، فمب ب، ثب ف ره ػ عج١ اضبي ال اؾظش خؾ برف غغ، افبوظ، اجش٠ذ االىزش، الغ االىزش، األػبي اجى١خ ػ االثبى

. مب ازغبسح اؼبالد االىزش١خ ف لطشازغ١الد غزخذخ، عف /خذبد عذ٠ذح لج اجذ، ثذ اغؼ غ اؾظي ػ اافمخ أ اإلر اغجك؛ ف ؽبي وب ازظ٠افك اؼ١ أ ٠غص رف١ش أ زغبد أ .15

ؼ١ ػ ره، ٠ز اعزخذا ف ؽبي اػزشع ا. افبئذح فمب غذي اشع/اشع/٠شى ره لجال ثىبفخ اجد اششؽ اخبطخ ثزه ٠افك اؼ١ ػ دفغ وبفخ األرؼبة

.اخذخ لج اجه/اخذخ، عف ٠ز اغبء ازظ/ازظ

زا ازخ ثؾمق اجه ظبؾ ف أ ٠غص جه، ف أ لذ، فك رمذ٠ش لشاس ؽذ، أ ٠زخ ػ االزضابد ثؤ اجد اششؽ ازؼخ ف ز اص١مخ ٠خ .16 . د اششؽ ازجم١خ، ثب ف ره ؽك اجه ف رطج١ك ز اجد اششؽ ف ربس٠خ الؽكاج

. شاع١ ػذ أ ػالت بشئخ أ لذ رشؤ ز١غخ أ ػذ ازظب أ رؤخ١ش ا اغفبي أ خطؤ رغشاف أ خطؤ ف رغ١ ازؼ١بد/ؼع ثه اششق و١/خ أػع/أخ .17شاع أ غئ١خ ارا رؤخش رؾ٠ اجغ العزال اؼببد اؼبد اؼشس٠خ إلصجبد طؾخ األعبء ازؼ١بد األش١بء / افك ػ أ ال ٠زؾ ثه اششق أ و١ /أافك .18

. أ أػشاس زؾخ أ لذ ٠ز رؾب عشاء رهشاع١ ػذ أ خغبسح /افك ػ رؼ٠غ ثه اششق والئ/األخش ازوسح ف اطت، أافك . ر.عف ٠ز فشع سع رظ١ؼ ا عذد ػ ؽغبة اؼ١ ثؼذ ر .19

البىد والشروط الورتبطت بالحساباث الجاريت وحساباث التىفير

، ٠ؾك جه، فك ب ٠شرئ١ بعجب، أ ٠فشع فبئذح ػ اؾغبة ازوس ثؼذي ع ٠ؾذد فمب غذي (غ أ ثذ ؽذ ؼزذ)ف ؽبي اغؾت ػ اىشف ؽغبة اؼ١ .1 -اشع،

أ اؾغبثبد اغبس٠خ، ا وب زعؾ اشط١ذ اذائ ف١ب أل اشط١ذ /د ازف١ش ٠غص جه، فك ب ٠شرئ١ بعجب، أ ٠فشع لذ ا آخش سع خذبد ثبغجخ ا ؽغبثب .2 . اؾذد اجه

. ٠ؾذد اجه د عا اشع افشػخ ػ اطذاس دفبرش اش١ىبد اش١ىبد ائعخ ادػخ ذ اجه .3

. اؾذ اشش افشع، ثؾغت ؼذالد اغؾت ف عذي اشعرؾذد اشع ػ ػ١بد اغؾت ؽغبثبد ازف١ش، از رض٠ذ ػ .4 .وفب٠خ األاي اشع اؾذد ف عذي اشع أ أ جغ لذ ٠شرئ١ بعجب/٠ؾك جه أ ٠فشع ػ و ش١ه شرغغ ؼذ رفش .5سط عطز اصخ ث١ األسطذح اذائخ ف ز اؾغبثبد أع رغذ٠ذ أ سط١ذ ذ٠ آخش أ ٠ؽذ وبفخ ؽغبثبد اؼ١ ذ اجه، أ ٠ب/٠غص جه، د اشؼبس، أ ٠ذظ .6

. ف اؾغبثبد األخش افزؽخ ثبع اؼ١ ذ اجه٠ؾزفع اجه . ع ػذ ازغذ٠ذ ابئ جه ا اجه، ثبػزجبس و١ ازؾظ١، ال ٠زؾ أ غئ١خ ف ب ٠زؼك ثزف١ز ػ١بد ازؾظ١، ال ٠غؼ ثغؾت ل١خ اش١ه اؾظ .7

: ثؾكa. اغبص ؼبالد ازؾظ١ فمب بسعبد ارع١خ اؼزذح ف اجه . b. االزبع ػ رمذ٠ أ ؽت أ اطذاس اشؼبساد ػذ ازغذ٠ذ أ اشؼبساد عء األبخ خالي اؼط . c. سفغ اغبص أ ؼبخ رؾظ١ ٠مذب اؼ١ . d. ا الؽمب ف ػذ االعزؾمبق/ازغغ١ ػ ؽغبة اؼ١ أ ش١ه أ طىن م١ذح ، ال ٠ز رغذ٠ذ .

. ٠ؾك جه، ف أ لذ وب، أ ٠مف اؾغبة ٠طت ا اؼ١ رغ٠خ اشط١ذ فسا .8 . ٠زؼذ اؼ١ ثؼذ اطذاس أ ش١ه د سط١ذ .9

. ؽغبة اؼ١ ف ؽبي االشزجب ف أ ػ١خ غغ أاي أ ر٠ اسبة أ أ ظخ اسبث١خ٠ؾك جه أ ٠غذ األاي اؾخ ا .10 : ف ؽبي ػذ اعشاء أ ػ١خ ف اؾغبة ذح" فئخ اؾغبثبد اؼمخ"٠ؾي ؽغبثه ا .11

a. عخ اؽذح ثبغجخ ا اؾغبة اغبس . b. عز١ ثبغجخ ا ؽغبة ازف١ش . c. 5 غجخ ا ؽغبثبد ادائغ الز١خعاد ثب .

عاد ربس٠خ اؼ١خ األخ١شح، ف ؽبي ثم ازاط ؼه غ١ش ى، ٠ؾبي اشط١ذ ازفش ف ؽغبثه ا ؾىخ 10ف ؽبي ػذ اعشاء أ ػ١بد ذح اعب١خ رظ ا .12 . اشش٠ؼخ ثؼذ رغ٠خ وبفخ اغزؾمبد ازشرجخ ب، ا عذد

. ١خ/١ ثؼذ اعزخذا زا اؾغبة اشخظ ألغشاع رغبس٠خ٠زؼذ اؼ .13١ظ اجه . ىب جه.( ثب ف ره االعزبساد، اغزذاد، ش١ىبد اؼب، األاش، أ صبئك أخش، أخ)اؼ١ خالي اعشاءاد اطت /رظجؼ وبفخ األساق از ٠فشب مذ اطت .14

اؾذ األلظ، اػبدح ازوسح، وب ٠غص ازخض ب أ ارالفب ف ؽبي سفغ اطت، أ ف ؽبي رغذ٠ذ ازغ١الد، أ الفبي اف ر اظخ، أ ثغبضب ثبػبدح أ األساق ١ىزب،

عؾت فمب ماػذ اظ اؾذدح لج اجه فك رمذ٠ش أ سع/فبئذح ازشاوخ ػ اشش اؼ١ ( و١خ أ عضئ١خ)عف ٠شى أ عؾت ؽغبة ازف١ش اغ خغبسح .15

. لشاس اطم١اؾاخ أػال أ االص١ ػ اغاء ا مذ /غ اش١هارا وب أعة االعزضبساد ثاعطخ اش١ه أ اؾاخ أ االص١ ػ اغاء، ال ٠ظجؼ االعزضبس بفزا اال ػذ ازؾ٠ اظبف ج .16

. اعزال لج ثه اششق . ٠ز دفغ افبئذح ازشرجخ ػ زعؾ اشط١ذ شش٠ب .17 ٠ى اجه غئال رغب طبؽت . اؾغبة غئ١ز( أطؾبة)طبؽت اؾغبة ػ فمخ طبؽت ( رؼ١بد)رى وبفخ اؼبالد از ٠زالب اجه ثبء ػ رؼ١خع : اغئ١خ .18

. ت أ سع أ االناؾغبة ثغجت عجب٠بد أ ػشائ( أطؾبة)اؾغبة ارا ربلظذ ل١خ األاي ام١ذح ف ؽغبة طبؽت ( أطؾبة)

9/12/2013

ف ؽبي اؾغبة اشزشن، ٠ى رشغ١ اؾغبة رص٠غ األع اى١خ ػذ فبح أ أؽشاف ثبء . لبثال ش أل ؽشف آخش/لبثال زفبع/ال ٠ى ؽغبة ازف١ش اغ لبثال زؾ٠ .19 .ػ أؽىب اشش٠ؼخ اإلعال١خ اماػذ راد اظخ

عاد ٣لاير لطش ثبغغ ذح رظ ا ١٠،٠٠٠، لذ ٠ز رغش٠ اشخض الغ ػ اش١ه ثجغ ٠ظ ؽز ٢٠٠٤غخ ١١ لب لطش ؼمثبد سل ٣٥٣فمب بدح سل .20

...(سط١ذ غ١ش وبف، ؽت اجه ػذ طشف اش١ه، ء أ رل١غ اش١ه ثطش٠مخ غ١ش وبخ أ طؾ١ؾخ)سرىبة أ فؼ ٠مظذ ث غ اىب١خ رؾظ١ اش١ه اف ؽبي

القرض الشخصي والسحب على الوكشىف تصريح العويل عي اغؾت ػ / زوسح ف فمشح امشع اشخظ١خثبالعزبد ا اؼبد افشح لج، از أطشػ ثؤب طؾ١ؾخ دل١مخ، ألذ ثعج ؽجب ؾظي ػ لشع فمب زفبط١ ا

افشػخ ف زا اشؤ، أرؼذ ثزغذ٠ذ ل١خ امشع صائذ افبئذح ؽغت ؼذي ظشف لطش اشوض، وب عبء ف فمشح عذي اىشف امغ اخبص ثبطجبد، ثبالعزبد ا لاػذوغ ألغبؽ شش٠خ أعبط رخف١غ اشط١ذ ثذف ازفبط١ اب١خ، ا عبت بش اجه وب عبء ف فمشح عذي ازفبط١ اب١خ امغ اخبص ثبطجبد، ره ػ أعبط ع، ػ

وب أطشػ ثؤ ربس٠خ اعزؾمبق امغؾ ع١ى شرجطب ثزبس٠خ رم١١ذ سارج، . ثؼذد األلغبؽ ٠غب اذح ازوسح ف عذي ازفبط١ اب١خ امغ اخبص ثبطجبد. صائذ اشع، أخف ؽبي رخف ػ رغذ٠ذ أ األلغبؽ ف ربس٠خ اعزؾمبلب، ٠ظجؼ وب جغ امشع ا عبت . شع اػ أ ربس٠خ االعزؾمبق األي ع١ؾذد لج اجه فمب زبس٠خ الشاس ام

اجىش ػ أسع ى رم١١ذ ل١خ امشع ؾغبث ازوس أػال، رغغ١ سع اؼبغخ سع ازؤ١ سع ازغذ٠ذ. افبئذح اشع األخش غزؾمخ اعجخ اذفغ جه ػذ اطت

أفع ثه اششق لطش ثعج ثؤ ٠غغ ل١خ و األلغبؽ اشش٠خ، وب عبء ف عذي ازفبط١ اب١خ، ػ ؽغبث اغبف ازوش، . ؽغبث، فمب غذي ازفبط١ اب١خ أػالع اجه ثاصخ ىبف(. أ ربس٠خ االعزؾمبق امشس)ف ربس٠خ االعزؾمبق ؽغبثبر /ؤح ب٠خ اخذخ بفغ ازمبػذ غزؾمبد ازؤ١ غ١شب األسطذح اذائخ ازفشح ف ؽغبثزا أف

اعزالن اذ٠ وب أطشػ ثؤ وبفخ رفبط١ امشع ازوسح ف عذي . أ ذ أ فشع جه اششق لطش، د اإلخالي ثؾك اجه ف اغء ا أ لب أ عطب لؼبئ آخش/ذ٠ى ٠ؼزجش اعزخذا جغ از ٠ظشف ثضبثخ افمخ . أافك أ٠ؼب ػ اجد اششؽ ازب١خ، أرؼذ ثزف١زب ثبىب مبث ؾ ؽذا غؾت ػ اىشف. بئ١خ مجخ

. ػ وبفخ اجد اششؽ اخبطخ ثبمشع اغؾت ػ اىشف

اغفخ ػ اشارت غب٠خ /لشاس امشعؼ١ ثعج طشاؽخ ػ أ اجه ع١ؾزفع ثىبفخ افائذ اى شئب ف ب خض اجغ ازفش ف اشط١ذ اغبف ازوش، ربس٠خ ا٠افك ا .1

وب . اؼ١ اجه ثؤ رغ١١ش ٠طشأ، عاء ف سارج، أ ثد ششؽ ػ، أ سة ػعف ٠جغ . أ ربس٠خ رم١١ذ أي سارت ف اؾغبة، ثبػزجبسب سعب اداس٠خ/رمذ٠ وزبة رؾ٠ اشارت أػف ا اؼ١ ٠افك ٠زؼذ ثؤ ٠زؾ غئ١خ رل١ف أ ػذ رؾ٠ اشارت ا اؾغبة ادع ذ .. أ٠افك ٠زؼذ اؼ١ ثؼذ رل١ف أ اغبء رؾ٠ سارج ا ؽغبث ذ اجه

رغ١ذ /أ عؾت/اغفخ ػ اشارت /أ اعزشداد امشع/ف ؽبي رؼزس ػ اؼ١ رغذ٠ذ أ جغ غزؾك ثعج، ٠فع اجه ثطش٠مخ غ١ش ششؽخ ال سعع ػب ثبػبدح رم١١ . اجه

.ز اجبغ ف أ أ وبفخ ؽغبثبد اؼ١ ذ اجه . ك اجه ػ اخز١بس لطش ىبب إللبز غى، اعزال اش١ىبدمذ اخزبس اؼ١، اف: ثذ رغ١١ش ىب اإللبخ .2 . ؽمل ثطبجخ اجه فشػ ثؤ طبجخ لذ رشؤ أل عجت وب ف ب ٠زؼك ثغزؾمبر اغبثمخ/٠زبصي اؼ١ ثعج ػ ؽم .3اغؾت ػ اىشف، از رمش ، وب ٠فع اجه /ب ؽذدد ف فمشح رفبط١ امشع اشخظ١خاغفخ اغذ٠ذح، و/٠مج ٠افك اؼ١ ػ ازم١ذ ثجد ششؽ امشع اغذ٠ذ .4

. اغف ػ اشارت اغبس٠خ اغزؾمخ/ثزغ٠خ امشع

اغفخ، /ػبف١خ، غ أ د ؽغبة عذ٠ذ مشعاغفخ فغب، ثبػزجبس ره خذخ ا/اغفخ ػ اشارت ػجش اإلػبفخ ا امشع/٠ى االعزفبدح أ ص٠بدح غزمج١خ ف امشع .5٠ؼزجش طشف اجغ ف ؽغبث ثضبثخ افمخ ػ اجد . خالي افمخ اؼ١ خالي عبئ رف١ش اج١ببد شؤ اىببد سعبئ اغاي الغ االىزش اجش٠ذ االىزش

. اششؽ اخبطخ ثبخذخ اغذ٠ذحرى اذسعخ األ ػ وبفخ األاي / ز اخذخ ؽز ازغذ٠ذ اىب ابئ ىبفخ اجبغ اغزؾمخ ثعت ز اخذخ، ٠ؼ اجه ؽك س غ١ش رىخالي عش٠ب .6

، اعدح ثؾ١بصح ( وبفخ ؽغبثبد اؼ١ ذ فشع اششق ف دخ لطشثب ف ره األسطذح اذائخ ف)اؾمق اغزؾمبد وبفخ ازىبد األخش اخبطخ ثبؼ١، أ٠ب وب ػب،

اؾمق اغزؾمبد ازىبد األخش از وب ٠فع اؼ١ اجه ثعج ثؤ ٠غزخذ ف أ لذ فك ب ٠شرئ١ بعجب، د اػال اؼ١ أ االرظبي ث، وبفخ األاي . اجه . أع افبء ثبزضابررؼد ؼ١،

. رئ١ بعجب د اثذاء أعجبة٠افك اؼ١ ػ أ خذخ اغؾت ػ اىشف لبثخ زغذ٠ذ، رجم عبس٠خ د ؽذد ص١خ، ا أ ٠م اجه ثبثطبب فك ب ٠ش .7 . اػغبس، رظجؼ ثبل األلغبؽ غزؾمخ ػ افس ثذ اػطبء اخطبس/اؼالء أ ف ؽبي اػغبس/ف ؽبي فبح اؼ١ .8

. از٠ ٠غت أ ٠مذ ا اجه غخخ ػ شبدح ازغغ١/٠غت أ ٠غغ اؼ١ س أي ألاي مخ ػ اغ١بسح ظبؼ اجه ذح امشع .9 . ١ ػ اغ١بسح ثؾبخ ع١ذح خب١خ أ ػ١ة، ثغغ اظش ػ األعجبة ره ػ ؽغبث اخبص ف وبفخ األلبد٠غت أ ٠ؾبفع اؼ .10

. ٠غت أ ٠ؼ اؼ١ اجه ثؤ ؽبدس ٠ئد ا خغبسح ربخ غ١بسح، خالي عجؼخ أ٠ب لػ .11 . غبسح ازبخ غ١بسح ألع رغذ٠ذ از٠ از ر اؾظي ػ١ اجهاألاي اغزخ ف ؽبي اخ/٠غت أ ٠ذفغ اؼ١ ا اجه ابي .12 . از٠، ثذ افمخ اجه اخط١خ/٠غت أ ٠ؾزفع اؼ١ ثزغغ١ اغ١بسح ثبع أ ال ٠غ١ش رغغ١ اغ١بسح أ أ ٠خشعب دخ لطش خالي ذح زا امشع .13

. غشاع اؾذدح ف سخظخ اغ١بسحال ٠غت أ ٠غزخذ اؼ١ اغ١بسح اال أل .14از٠، ٠ى ؽك اجه اعمبؽ اش ػ اغ١بسح ث١ؼب ثغؼش اغق ازبػ رغ٠خ ػبئذاد اج١غ مبث اجبغ /أ خبفخ أل ثد أ ششؽ امشع( اؼالء)ارا اسرىت اؼ١ .15

اجغ ( اغؼش)اجه ثعج ثظفخ و١ ارا رغذد ػبئذاد اج١غ ( اؼالء)ألع ام١ب ثز األفؼبي، ٠ؼ١ اؼ١ از٠؛/ثعت زا امشع( اؼالء)اغزؾمخ اؼ١ (. اؼالء)اغزؾك جه، ٠ى ؽك اجه اطك أ ٠طبت ثزغ٠خ سط١ذ از٠ اؼ١

مذب، عف ٠ؾزغت اجه اجغ از ٠غت دفؼ ٠فشع غشاخ دفغ غجك ( اؼالء)ازؤخشح اغذاد، ارا دفغ اؼ١ ( األلغبؽ)ف أ لذ دفغ امغؾ ( اؼالء)٠غص أ ٠ؼ١ذ اؼ١ .16

. فمب طت أ ظب ثه لطش اشوضبي از عف ٠ز اعزال ثعت اخطخ ثبىب ا اجه، ألع رغذ٠ذ از ٠شبسن ف أ خطخ ؾب٠خ اذفؼبد أ ف أ ص١مخ رؤ١، أ ٠ز دفغ جغ ا( اؼالء)٠ئوذ اؼ١ .17

.غزؾمبر .٠ف اؼ١ ثبىب اؽزغبة اجه مغؾ اػبدح دفغ امشع ٠مج ثزا االؽزغبة. ٠غذدا ا ؽ١ رغ٠خ وب امشع" اؼظش اشئ١غ"" ػظش افبئذح"٠زؤف و لغؾ شش .18 .أ ػب٠ب عذب ثؾبخ ع١ذح/ لج اجه ثشؤ اغ١بسح أ/ذ أ ٠ز اعشاء اػال أ ع ئو/ؾ أإوذ/أب .19

اغ١بسح ؽغت اؼالء ثزؤ١ ػ/ارا ٠ؾزفع اؼ١. ٠غت أ ٠ؾزفع اؼ١ ثزؤ١ شب ػ اغ١بسح ذ ششوخ رؤ١ مجخ جه ذح لشع اغ١بسح، وغزف١ذ أي ازؤ١ .20اؼالء ثبم١ب ثزه /بىب لج اؼ١األطي غ ششوخ ازؤ١ اؼزذح لج اجه أ ٠ذفغ لغه ازؤ١ ذ اعزؾمبل، عف ٠ى ؽك اجه، ػذئز، ٠ى خال ث

از٠ ٠خؼغ، غب٠خ رغذ٠ذ، /زا اشؤ ا اجغ اإلعب ازعت دفؼ ثعت زا امشعرؼبف اىفخ ازؾخ ف . اؼالء ؽذ/عف ٠ذفغ امغؾ ػ فمخ اؼ١ .فظ افبئذح افشػخ ػ األلغبؽ ازؤخشح

ال ٠ى . ششاء ف ا١ از ر ف١ اعزشداد اذفغ٠ىب اطبجخ ثم١زب فمؾ ثغؼش ا/ف أ ارا وبذ أ أ وبفخ ازؾ٠الد غ١ش ذفػخ أ شدد دفؼب ا اجه، ٠ى/أف .21

. اعشاء اعزشداد اذفغ لج أ ٠غز اجه ثالغب بئ١ب شاع ثؤ األاي غ١ش ذفػخ ر اغبء ازؼ١خ األط١خ

بىد وشروط براهج الىفاء

.خذبد ف اغزمج/فبء ٠زطشؽب ثبغجخ زغبد/اىبفآد اعدح ف أ ثشاظ ىبفآد٠افك اؼ١ ػ أ ٠ز رغغ١ رمبئ١ب ف وبفخ ثشاظ .1

ب ا ٠ز عذادب* ال ٠ى اعزشداد اىبفآد .2عف ٠ز ؼبغخ . ال ٠ى ثه اششق غئال ػ أ ػشس أ خغبسح ٠زؾب اؼ١ ػذ ششاء أ عغ. ٠ى اششق غئال ػ أ غئ١بد خذبد مبء اىبفآد امذخ .3

. ؾ اىبفآداخذبد از ر ششاإب خالي عذاد اىبفآد جبششح ث١ اؼ١ /طبجبد ثشؤ ازغبد/أ ضاػبد . رع١غ أ ثشاظ أ أ ثشبظ ىبفآد زبػ ثعج ف أ لذ ثذ اخطبس غجك/اغبء /رجذ٠/٠ى جه اششق اؾك اطك ف رغ١١ش .4. ٠ى ب أ ل١خ غزمج١خ أ اؽزبالد إلعزشدادب ف ؽبي ابء اجشبظ أ أ ثشبظ ىبفآد آخش زبػ ثعج، عف رز وبفخ اىبفآد اؽخ ا ؽب اجطبلخ فسا .5

.اشش٠ه ف اىبفآد ثؤ٠خ ؽش٠مخ، ارا ر ابء أ رغ١١ش اجشبظ/ال ٠ى اششق غئال ػ رؼ٠غ اؼ١ .ال ٠ى ثذي اىبفآد ثجبغ مذ٠خ، ب ٠ز ػشع اخ١بساد ثبزؾذ٠ذ وغضء ثشبظ اىبفآد .6ال ٠ى ؽب . ألع اعزشداد اىبفآد، ٠غت أ ٠ؼ ؽب اجطبلخ اجبئغ ثؤ ٠شغت ثزغذ٠ذ اىبفآد لج اغبص اؼبخ. عذاد اىبفآد ثبالشزشان غ أ خظ أ ػشع آخشال ٠ى .7

. اجطبلخ أ ٠طت اغذاد ثؼذ اغبص اؼبخ . ال ٠ى رذ٠ذ ذح اىبفآد ب ا رز .8

. ىبفؤح غػزب افش٠ذح اجد اششؽ از عف رطجك، خالي اوزغبة عذاد ز اىبفآد٠ى ى .9

اتفاقيت حاهل البطاقت االئتوايت : ٠خؼغ طذس اعزخذا اجطبلبد االئزب١خ ثه اششق جد اششؽ ا٢ر١خ

، عاء "اجه"اػبدرب ا " اجطبلخ"، ٠ؾزفع ثبؾك ف اعزجمبء ز اؼبخ ذح خغخ أسثؼ١ ٠ب وؾذ أد ثؼذ اغبء "اجطبلخ" ثؤ ػبخ وؼبخ اػبف١خ إلطذاس" اجه"ارا اؽزفع 2.01 . ثبىب" اشط١ذ اغذ٠ذ"، ثششؽ رغذ٠ذ "ؽب اجطبلخ"لشاسا ثبإلغبء أ ثبء ػ ؽت " اجه"ارخز

. ئال ثبعزخذاب فمؾ خالي اذح ازوسح" ؽب اجطبلخ"٠ى " اجطبلخ"ح اؾذدح ف طبؾخ ذ" اجطبلخ"رى 2.02

٠خ سع اؼؼ" ؽغبة اجطبلخ"٠م١ذ ػ " ؽب اجطبلخ"، فك رمذ٠ش سأ٠ ؽذ، ػ "اجه"أ رغذ٠ذب أ اعزجذاب، عف ٠فشع " اجطبلخ"ثؼذ اطذاس " وشف اؾغبة األي"ف 2.03

". اجه"أ سع رىب١ف أخش فشػخ لج " اجطبلخ"اغ إلطذاس اجطبلخ أ سع ازغذ٠ذ اخبص ثزغذ٠ذ اجطبلخ أ سع االعزجذاي اخبص ثبعزجذاي

. دفؼ أ فشػضب ثشد أ سع ػؼ٠خ ع ر " اجه"أ اغبإب، أل عجت وب، ٠ى " اجطبلخ"ف ؽبي ر ابء 2.046

ؽب "ػذ اطت األي جه أ و١ اخي ؽغت األطي ثذ اػطبء اخطبس غجك ا " اجه"ا " ؽب اجطبلخ"٠غت أ ٠ؼ١ذب " اجه"ف وبفخ األلبد ه " اجطبلخ"رظ 2.05

. أ رؼ١مب أ سفؼب أ اػبدح اطذاسب أ رغذ٠ذب أ اعزجذاب" اجطبلخ"اغبء ؛ ٠غص جه، فك رمذ٠ش سأ٠ ؽذ، ثذ اػطبء أ عجت وب،"اجطبلخ

از ٠ظش رل١ؼ " جطبلخ" غ١ش لبثخ زؾ٠ غ١ش لبثخ ش لبثخ العزخذا فمؾ لج اشخض اج١ اع ثشى بفش أ اطجع اع ػ اغخ األب١خ" اجطبلخ"رى 2.06

. ػ اغخ اخف١خ ب استالم البطاقت واستخذاهها . 3

ثبجش٠ذ، ػ غئ١خ ؽب " اجطبلخ"أ اؽذاد ازبثؼخ جه از لذ اطت خالب، أ ٠غص اسعبي " اجه"شخظ١ب ذ أ فشع " اجطبلخ" "خؽب اجطبل"٠غص أ ٠ؾظ 3.01 . ١ب أ ػجش ابرفوزبث" اجه"ا " ؽب اجطبلخ"أ ا اؼا امذ لج " اجطبلخ"اجطبلخ، ا اؼا ازوس ف ؽت اطذاس

أ ف " أعضح اظشف ا١٢خ"ؽذ، ػ و ثطبلخ ٠ز رغ١ب ا١ العزخذاب ف " ؽب اجطبلخ"، ػ غئ١خ "ؽب اجطبلخ"ثبجش٠ذ ا PINسض رؼش٠ف شخظ " اجه"٠شع 3.02٠غت أ ٠زف . راد اظخ أل شخض آخش PINالزضا ثبسعخ االعزبد اؼب٠خ ااعجخ غ اإلفظبػ ػ سض " ؽب اجطبلخ"٠خؼغ . آ PINأعضح اىزش١خ أخش ضدح ثآ١خ ادخبي سض

". اجطبلخ"مبئ فظال ى ر١١ض ػ غ١ش لبث زؼش٠ف اث PINػشسح أ ٠ى أ عغ شض " ؽب اجطبلخ"٠غت أ ٠ؼ . اطجع فسا ػذ اعزال PINعغ " ؽب اجطبلخ"

اؾذ "عضءا " اجطبلخ"ازبؽخ مبء " اغفخ امذ٠خ"٠ى جغ . اخذبد/اإلعب امذ لج اجه ششاء اغغ" اؾذ االئزب اغػ" "ؽب اجطبلخ"٠غص أ ٠غزه 3.03

. لذ ٢خش" اجه"، وب ؾذد لج "االئزب اغػ

: ثؤ اعبئ ا٢ر١خ" عف مذ٠خ"ػ " ؽب اجطبلخ"٠غص أ ٠ؾظ 3.04

. ف أ فشع أ ؽذح ربثؼخ جه" اجطبلخ"رمذ٠ (1)

. بعزش وبسد ازشبشبي غ د١ ػ ا٠خ ؼزشف ث د١ب/ذ أ ئعغخ ػؼ ف ف١ضا (2) . ربثغ جه" عبص طشف آ"ف أ " اجطبلخ"ثبعزخذا (3) . بعزش وبسد ازشبشبي/ثبعزخذا عبص طشف آ أل ثه ػؼ آخش ف ف١ضا (4)

. ىبثب" سط١ذ اغفخ امذ٠خ"غب٠خ رغذ٠ذ " ربس٠خ اؼبخ" " اغفخ امذ٠خ"ػ " رىب١ف ب١خ"أػال، عف رزشرت ( 3.04)ف وبفخ األؽاي ازوسح ف اجذ 3.05

شع اغفخ امذ٠خ از لذ رزغ١ش لذ ٢خش " اغفخ امذ٠خ"، رخؼغ "اجه"أػال اعزبدا ا األعؼبس اغبئذح افشػخ لج ( 3.04)ف وبفخ األؽاي ازوسح ف اجذ 3.06

.فك رمذ٠ش لشاس اجه ؽذ

ازبػ غفخ امذ٠خ " اؾذ االئزب اغػ"عضء " ؽب اجطبلخ"ؾذ ٠ ال ٠ى رغبص، ؽز ٠غزخذ " اجطبلخ"عزخذا خالي ا" عفخ مذ٠خ"٠غص أ رخؼغ أ 3.07 (. 3.05)ثبىب، وب زوس ف اجذ

. لذ ثذ عجت، ثعت اخطبس وزبث غجك ا٠١ؾزفع ثه اششق لطش ثبؾك ف ص٠بدح أ رخف١غ اؾذ االئزب اضبثذ جطبلخ اؼ١ ف أ 3.08ف ؽبي ر اطذاس فبرسح ثبجبغ ". ؽب اجطبلخ"" اجه"غ١ش لبثخ شد ؽز ر ابء اؼاللخ ث١ " اجه"ا " ؽب اجطبلخ"رجم وبفخ اشع ازىب١ف افبئذح اذفػخ لج 3.09

. ثبىب" اجه"ا " ازىب١ف اب١خ"لج أ ٠ز دفغ وبفخ ز اجبغ اشع ازىب١ف " ؽب اجطبلخ"١خ ثذ دفؼب، رزلف غئ

ؽب "ثبغجخ أل اعزخذا ٠م ث أ ٠زخز اإلعشاء امب ابعت " اجه"، أ أل عجت آخش، ٠ى ؽك "ؽب اجطبلخ"، أ ثبء ػ ؽت "اجه" لج " اجطبلخ"ارا ر اغبء 3.10 . غئال ػ رغ٠خ أ سط١ذ ر رؾ ز١غخ زا االعزخذا" ؽب اجطبلخ"فؼال ػ ره، ٠ى . جطبلخ ثؼذ اغبئب" اجطبلخ

. اجطبلخ أ اجهال ٠غت اعزخذا اجطبلخ أل غشع غ١ش لب، ثب ف ره ششاء عغ أ خذبد ػخ ثعت امب اؾ اطجك ف ىب اخزظبص ػؼ 3.11

الذفع . 4

وزبث١ب ثؤ اػزشاع لج ػ أ ل١ذ، ثب " اجه" "ؽب اجطبلخ"٠جغ . اشش" وشف اؾغبة"ف " ؽب اجطبلخ"عف رظش وبفخ ازىب١ف ام١ذح لج اجه ػ ؽغبة 4.01ػذ ؽت وزبث ثزه، " ؽب اجطبلخ" "اجه"٠غص أ ٠ضد . ثؼذ ره افزشح" اجه"، ف اىشف ازوس، اال ٠ؼزجش اىشف طؾ١ؾب ٠ز ؼبغخ أ طبجخ لج "اجه"ف ره رىب١ف

(. اؼبالد) غئ١ز ػ ره اؼبخ ( ؽب اجطبلخ" )ؽب اجطبلخ" ٠ؼف اطؼ ثزىفخ . ثبؾك ف فشع أرؼبة مبء رمذ٠ ز اغخ" اجه"٠ؾزفع . ػ اؼبالد ثغخ

رغ١الد اذفغ ازمبئ از ٠ى اخز١بسب اب ذفغ اىب اب ذفغ اؾذ " بلخؽب اجط"، ٠غص أ ٠خزبس "اجه"رف١ش بشؾ ذ /٠ؾزفع ثؾغبة عبس" ؽب اجطبلخ"ارا وب 4.02 ". ؽغبة اجطبلخ"األد عف ٠ز ام١ذ ػ اؾغبة اغبس أ ؽغبة ازف١ش فك ره، غ شاػبح رفش األاي، ألع اػبدح دفغ

، "ربس٠خ اعزؾمبق اذفغ"غب٠خ " ششاء ثبزغضئخ عذ٠ذ"ػ و ؼبخ " ربس٠خ اؼبخ"ثذ فبئذح رجذأ " فزشح عبػ" "ؽب اجطبلخ" ، فك رمذ٠ش لشاس ؽذ،"اجه"٠غص أ ٠ؼط 4.03

". اغف امذ٠خ" ثذ فبئذح ػ" ذح اغبػ" رطجك . راد اظخ ثبغجخ ز اؼبخ" دسح اػذاد افار١ش"اطك ػ ز اؼبخ، اعزبدا ا

. أ لج" ربس٠خ اعزؾمبق اذفغ"ف " اجه"اشش زعت اذفغ ا " وشف اؾغبة"ازؤخش اغذاد از ٠ظش ف " اشط١ذ اغذ٠ذ"٠ى 4.04

9/12/2013

، غزؾمخ زعجخ اذفغ "وشف اؾغبة"األخش، وب ج١ ف " اجه"اشع رىب١ف " ازىب١ف اب١خ"ازؤخش اغذاد ثب ف ره " اشط١ذ اغذ٠ذ"رى دفؼخ وبخ رزؤف 4.05 . أ لج" ربس٠خ اعزؾمبق اذفغ"ف " ؽب اجطبلخ" لج

سعب " "ؽب اجطبلخ"فك رمذ٠ش لشاس ؽذ ػ " اجه"أ لج، عف ٠فشع " ربس٠خ اعزؾمبق اذفغ"ف " ؽغبة اجطبلخ"غ١ دفؼخ وبخ ل١ذب ف رغ/ارا ٠ز اعزال 4.06األخ١ش " ربس٠خ اىشف"مذخ ثؼذ " عفخ مذ٠خ"" ششاء ثبزغضئخ"ػ أ " اشط١ذ اغذ٠ذ"ثبغجخ ى ؼبخ رشى زا " ربس٠خ اؼبخ"ازؤخش اغذاد " اشط١ذ اغذ٠ذ"ػ " ب١خ

ػ األعؼبس اغبئذح " اشع اب١خ"رغزذ . أ لج" ربس٠خ اعزؾمبق اذفغ"ف " ؽغبة اجطبلخ"ارا ر اذفغ ثبش١ه، ٠غت اعشاء رمبص ػ اش١ه ل١ذ ف . غب٠خ رؤد٠خ اذفؼخ اىبخ . فك رمذ٠ش لشاس ؽذ" اجه"از لذ رزغ١ش لذ ٢خش وب ؾذد لج " هاج"افشػخ لج

أ " فغربس٠خ اعزؾمبق اذ"ف " ؽغبة اجطبلخ"ف " اؾذ األد ذفؼخ"األوجش " اشط١ذ اغذ٠ذ"أ عضء " اؾذ األد ذفؼخ"ارا ٠ز اعزال رغغ١ ل١ذ اذفؼخ اىبخ أ 4.07أ " ربس٠خ اعزؾمبق اذفغ"ف " ؽغبة اجطبلخ"رغغ١ اذفؼخ ل١ذب ف /عف ٠جم طجمب ػ اع رار و شش، ارا ٠ز اعزال" سع دفغ زؤخش" "اجه"لج، عف ٠طجك

ارا ر اذفغ . رؤد٠خ اذفؼخ اىبخ. فك رمذ٠ش لشاس ؽذ" اجه"٢خش وب ؾذد لج از لذ رزغ١ش لذ" اجه"رغزذ اشع ػ األعؼبس اغبئذح افشػخ لج . لج ػذ ٠زشرت ػ". ؽذ أد ذفؼخ"ػذب ٠ز رؤد٠خ " اشع اب١خ" عف رزشرت . أ لج" ربس٠خ اعزؾمبق اذفغ"ف " ؽغبة اجطبلخ"ثبش١ه، ٠غت اعشاء رمبص ػ اش١ه ل١ذ ف

". سع اذفغ ازؤخش"رخ ػ " وشف اؾغبة"اعزال

٠خؼغ زا . ، و شش"اجه"ؽغبة ازف١ش اخبص ث، ا عذ، ذ /ػ ؽغبث اغبس" اؾذ األد ذفؼخ اغزؾمخ"اىب أ " سط١ذ اغذ٠ذ"أ ٠ز ل١ذ " ؽب اجطبلخ"لذ ٠خزبس 4.08

ؽغبة ازف١ش اخبص ث /اىب ػ ؽغبث اغبس" سط١ذ اغذ٠ذ"أ ٠ز ل١ذ " ؽب اجطبلخ"ارا لشس . رفش األاي زؤص١شاد غ شاػبح" خ اعزؾمبق اذفغربس٠"ام١ذ ػ اؾغبة ف . ثزه" اجه" اؾغبة، ٠غص أ ٠م ػ" اؾذ األد اذفؼخ ازغؾمخ"رى األاي زفشح ثشى وبف إلعشاء ز اؼبخ، ى األاي زبؽخ م١ذ

فك " اجه"زؤخش اغذاد زجك غ ازىب١ف اشع األخش، ٠ى ؽك " سط١ذ عذ٠ذ"ػ أ " ؽب اجطبلخ"لب ػذ ( اعشاءاد)ف ارخبر ا اعشاء " اجه"ثذ اإلخالي ثؾك 4.09

أ ػبخ ٠ؾزفع ثب مبث ز " اجه"٠غص أ ٠غزخذ ". ربس٠خ اىشف"أ ٠غ١ب، ارا ٠ز اعزال اذفغ ألوضش شش ثؼذ /أ ١٠ب رمذ٠ش لشاس ؽذ أ ٠لف اجطبلخ أ ٠ؼمب ثبإلػبفخ ا ره، ٠ى ؽغض أ سط١ذ دائ ف ". اجطبلخؽب "ثذ اخطبس ا " ؽب اجطبلخ"ألع اصخ غئ١خ " اجه"ازغ١الد أ األطي أ األش١بء ام١خ أ األاي ادػخ ذ

. ، غشع رار"اجه"دئبع ذح ؾذدح أ أاي أخش ال ٠غص االؽزفبظ ثب وؼبخ لج /رف١ش/ؽغبة عبس

از ٠ظش ف " اشط١ذ اغذ٠ذ"، ٠ظجؼ "ؽب اجطبلخ"أ افالط أ اػغبس أ ػغض أل عجت وب، أ ف ؽبي فبح" ؽب اجطبلخ"أ " اجه" لج أ " اجطبلخ"ف ؽبي ر ابء 4.010

، ثغغ اظش ػ أ شء "اجه"، غزؾمب زعت اذفغ ػ افس ا "ؽغبة اجطبلخ"ى لج أ ٠ز فشػ ػ " اجطبلخ"غ أ جغ ر رؾ ثغجت اعزخذا " ؽغبة اجطبلخ" . غئ١ ػ وبفخ اذفؼبد اغزؾمخ" ؽب اجطبلخ"ف ؽبي افبح، ٠ى سصخ . بل١خ أ ف أ ىب آخشزؼ ف ز االرف

". اجه"ازؤخش اغذاد جطبلخ غب٠ب ؾذ اإلئزب اغػ أ أل ، وب ظذق لج " اشط١ذ اغذ٠ذ"ضب ثؤ ٠جم " ؽب اجطبلخ"٠ى 4.11

زؤخش اغذاد " اشط١ذ اغذ٠ذ"ارا رغبص " سع رغبص اؾذ االئزب اغػ" "اجه"٠طجك 4.12 ف رطج١ك اشع " اجه"٠غزش ". ؽغبة اجطبلخ"امشس ف " اؾذ االئزب اغػ"ااز لذ رزغ١ش " اجه"٠غزذ زا اشع ػ األعؼبس اغبئذح افشػخ لج ". غػاؾذ االئزب ا" "ؽغبة اجطبلخ"ازؤخش اغذاد ف " اشط١ذ اغذ٠ذ"و شش، ارا رغبص

.فك رمذ٠ش لشاس ؽذ" اجه"لذ ٢خش وب ؾذد لج

ازب اجغ اىب از ر ث رغبص " وشف اؾغبة"اج١ ف "اؾذ األد اذفؼخ اغزؾمخ"، عف ٠زؤف "اؾذ االئزب اغػ"ازؤخش " اشط١ذ اغذ٠ذ"ارا رغبص 4.13

اؾذ "ازؤخش اغذاد ثزغبص" اشط١ذ اغذ٠ذ"ارا اعزش . ػذ اطت األي" اجه"ثبىب ا " اؾذ األد اذفؼخ اغزؾمخ"أ ٠ذفغ " ؽب اجطبلخ"ػ ". اؾذ االئزب اغػ"غزؾمب زعت اذفغ ا " ؽغبة اجطبلخ"ازؤخش اغذاد ف " اشط١ذ اغذ٠ذ"ف ز اؾبخ، عف ٠ظجؼ " اجطبلخ"، اغبء "، ثذ اخطبس"اجه"، ٠ى ؽك "ػاالئزب اغ

. ػ افس" اجه"

ثغؼش اظشف اغز اجه از ٠فز " ؽغبة ؽب اجطبلخ"ج١خ عف ٠ز ل١ذب ف مبث اؼبالد از رز ف ػخ أع" ؽب اجطبلخ"وبفخ ازىب١ف افشػخ ػ 4.14غئال ػ أ خغبسح بشئخ ػ رمجبد أ رؾ٠الد ف "اجه" ٠ى ". اجه"بعزش وبسد ازشبشبي أ /٠غص أ رزؼ ػ١خ رؾ٠ اؼالد سع رؾ٠ طجمخ لج ف١ضا. اؼ١خ

. بس طشف اؼالد األعج١خأعؼ

عف ٠ز ل١ذ اعزشداد . أ غئ١خ ػ ػذ اعزال اعزشداد اذفغ" اجه"، ال ٠زؾ "اجه"ػذ اعزال اؼبخ لج " ؽغبة اجطبلخ"٠ز ل١ذ أ اعزشداد ذفغ ثبئغ ف 4.15

أ غئ١خ ػ أ خغبسح بشئخ ػ رمجبد أ رؾ٠الد ف أعؼبس طشف اؼالد األعج١خ، " هاج"ال ٠زؾ . ثغؼش اظشف اغز اجه از ٠فز اؼ١خ" ؽغبة اجطبلخ"اذفغ ف . ثغغ اظش ػ ذ لشة ربس٠خ اعزشداد اذفغ ربس٠خ اؼبخ األط١خ

وذفؼخ عضئ١خ " ؽب اجطبلخ" أ ش١ه غ١ش ذفع شدد غؾق لج سعب ػ" اجه"ف أ لذ ف ارخبر االعشاء امب ابعت، ٠غص أ ٠فشع " اجه"ثذ اخالي ثؾك 4.16

. أ وبخ شط١ذ اغذ٠ذ ازؤخش اغذاد

أ٠ب وبفخ ازىب١ف " بلخؽب اجط"٠زؾ . جه، ثبء ػ ز االرفبل١خ" ؽب اجطبلخ"فك رمذ٠ش ؽذ و١ال زؾظ١ وبفخ اجبغ اغزؾمخ لج " اجه"٠غص أ ٠ؼ١ 4.17

. امب١خ رىب١ف ازؾظ١ ازؾخ ف رؾظ١ أ وبفخ األاي اغزؾمخ جه ثعت ز االرفبل١خ، ره ؽذ ثبىب

. خفبئ" ؽب اجطبلخ"رى ز االرفبل١خ أ رؼذ٠الد ف١ب ضخ ػ 4.18

البطاقت التابعت -5

فشع سع " ثطبلخ ربثؼخ"، فك رمذ٠ش لشاس ؽذ، اطذاس "اجه"، ثب ف ره اطجبد از ر اعزالب ثاعطخ افبوظ، ٠غص أ ٠افك "ؽب اجطبلخ اشئ١غ"ذ ؽت ػ 5.01 ". اجطبلخ ازبثؼخ"از ٠ز رف١زب ثاعطخ " ثاعطخ اجطبلخاؼبالد از رز"غئال ثبىب ػ دفغ ل١خ " ؽب اجطبلخ اشئ١غ"٠ى . ػ زا اإلطذاس

ؽب اجطبلخ "از عف ٠ى غئال ثبزىبف ازؼب غ " ؽب اجطبلخ ازبثغ"رى وبفخ اجد اششؽ اج١خ ف ب ٠ ف ز االرفبل١خ ضخ ثبىب طجمخ ػ 5.02 ". اشئ١غ

. ؾب اجطبلخ ازبثغ" اؾذ االئزب اغػ" "ؽب اجطبلخ اشئ١غ"اظذق ػ١ ظبؼ " اؾذ االئزب اغػ"٠زؼ 5.03

رمبئ١ب، ١ظ اؼىظ " اجطبلخ ازبثؼخ"أ اغبء ، عف ٠ز ابء "اجطبلخ اشئ١غ١خ"ارا ر ابء أ اغبء ". اجطبلخ األط١خ"ف وبفخ األلبد شخ ثظالؽ١خ " اجطبلخ ازبثؼخ"رى طالؽ١خ 5.04 . ثبؼىظ

فقذاى البطاقت -6

عبػخ، شخظ١ب أ 24فسا خالي " اجه"أ ٠خطش " ؽب اجطبلخ"أ اإلفظبػ ػ أ غ١ش ره، ٠غت ػ PINأ رؼشػب غشلخ أ ف ؽبي ر اعبءح ػغ سض " اجطبلخ"ف ؽبي فمذا 6.01

٠غت ازؤو١ذ ػ أ اخطبس وزا وزبث١ب ػ افس، . ثشل خذخ اؼالء ذ ثه اششق لطش" ؽب اجطبلخ"ف ؽبي لغ زا اؾذس خبسط عبػبد ػ اجه اؼبد٠خ، ٠غت أ ٠زظ .وزبث١ب، ثب ف ره وبفخ "PIN"أ سض /فخ األلبد ػ أ اعزخذا أ عء اعزخذا جطبلخ غئال ف وب" ؽب اجطبلخ"٠جم ". اجه"ى ثؤ٠خ ؽبخ األؽاي، خالي عجؼخ أ٠ب، ا

وبفخ اؼبد ازبؽخ ػ اظشف اؾ١طخ ثفمذا أ" اجه"ا " ؽب اجطبلخ"٠غت أ ٠ؼط . ، لج ازج١غ ػ افمذا أ اغشلخ أ عء اػغ أ اإلفظبػ أ غ١ش ره"اغفبد امذ٠خ"غئال ثؤ٠خ ؽش٠مخ وبذ ػ أ فمذا أ ػشس لذ ٠ز رؾ أ لذ ٠شؤ ثطش٠مخ جبششح أ غ١ش جبششح " اجه" ٠ى . أ خالف" PIN"أ سض /" اجطبلخ"عشلخ أ عء ػغ أ اإلفظبػ ػ

".PIN"اإلفظبػ ػ سض /أ عء ػغ/أ عاء اعزخذاب " اجطبلخ"عشلخ / ػ فمذا

ػ أ اعزخذا أ عء اعزخذا جطبلخ ثؼذ اغبئب، أ خالي " اجه" عئال رغب " ؽب اجطبلخ"أػال، ثبإلػبفخ ب، أ٠ب ٠ؾذس أال، ٠جم ( 6.01)ثذ اخالي ثؾز٠بد اجذ 6.02

أ ازضابر ثبء ػ ز االرفبل١خ از رى بشئخ " ؽب اجطبلخ"ػ غئ١بد " اجطبلخ" ٠ئصش اغبء .أ أ٠ب ٠ؾذس أال " اجطبلخ"اذح از ٠ز ف١ب عؾت أ رؼ١ك ؽك اعزخذا . ػ زا اإلغبء

ذاب أ عشلزب أ عاء ػؼب أ غ١ش ره، ؾب اجطبلخ ثذال اجطبلخ از ر ازج١غ ػ فم" ثذ٠خ"، فك رمذ٠ش لشاس ؽذ، غ شاػبح فشع سع، ثطبلخ "اجه"عف ٠ظذس 6.03

. ؽب اجطبلخ ػ ؽغبث"عذ٠ذ ػ غئ١خ PINثبإلػبفخ ا سض

أ ٠مطؼب ا " ؽب اجطبلخ"٠غت ػ " اجطبلخ"از ر ازج١غ عبثمب ػ فمذاب أ عشلزب أ عء ػؼب أ غ١ش ره، ال ٠غت اعزخذا " اجطبلخ" "ؽب اجطبلخ"ارا اعزشد 6.04

. ظف١ أ ٠ؼ١ذب فسا ا اجه

البىد والشروط الخاصت بالعايت بالحىادث ب ٠ عض ػ اششؽ اجبسصح امزطفخ . از ٠ؾزفع ثب ثه اششق لطش"( اص١مخ)"رخؼغ ؽمق أ ػؼ ثطبلخ ٠ىززت ف خذخ اؼب٠خ ثبؾادس ص١مخ اؾادس اشخظ١خ اغبػ١خ

ؼ ث١ اعض ااسد ب اص١مخ از ٠ؾزفع ثب ثه اششق لطش، عف ٠غد اؼ رؼبسة ػ افشق ف ا/ف ؽبي شء أ شه*. ز ١غذ اص١مخ. اص١مخ ازوسح أػال

. ااسد ف اص١مخ

التعريفاث . رؼ ششوخ ػب زؤ١" اششوخ"رئد ا خغبسح غطبح ثعت اص١مخ، ثشى جبشش ثشى رؼ اطبثخ عغذ٠خ ػشػ١خ رؾظ أصبء عش٠ب فؼي اص١مخ شخض ائ از رى اطبثز أعبعب طبجخ" اإلطبثخ"

: ا اخغبسح اغطبح ثعت ز اص١مخ . غزم ػ وبفخ األعجبة األخش افبح -

اؼغض ازب اذائ؛ -

٠خزش ازغغ ف خذخ اؼب٠خ ثبؾادس؛ 69 ٠18زشاػ ػش ث١ ( ؽب اص١مخ)٠ؼ ؽب ثطبلخ ائزب١خ ذ ثه اششق لطش " اشخض ائ" ٠ؼ ثه اششق لطش؛ " ؽب اص١مخ"

ؾذدح، ٠ى طبدسا رؼ أ ؽبئشح ذ١خ شغخ لج ؽبئشح م ذ١خ ؾذدح رؾ شبدح أ رشخ١ظب أ رف٠ؼب بصال م ثاعطخ ؽبئشح م ذ١خ " ششوخ اخطؽ اغ٠خ اؾذدح"ح، خالي سؽالد ػبد٠خ أ ئعشح رشغب ز ثذ رغغ١ اطبئشح، از رؼ رؾزفع رشش ثعج رؼشفبد خذخ اغبفش٠ اؼبد٠خ ث١ اذ اؼ١خ ثبأللبد ازظخ اؾذدػ

؛.اطبئشح طبلخ االئزب١خ ذ ثه اششق لطش؛ ٠ؼ ازبس٠خ از ٠فشع ف١ ؽب اص١مخ امغؾ اغزؾك ؾغبة اج" ربس٠خ فشع امغؾ" ٠ؼ أ اشخض ائ غ١ش لبدس ػ بسعخ أ خ أ ظ١فخ شثؾخ ثشى عش ذح ازجم١خ ؽ١بر؛ " ػبعض ثشى رب دائ"

اؾ١بح اجشش٠خ أ ػ اى١خ أ اسرىبة فؼ ٠زذاخ أ ٠ؼط ظبب اىزش١ب أ ٠ؼ اعزخذا أ ازذ٠ذ ثبعزخذا امح أ اؼف ػذ شخض أ ى١خ أ اسرىبة فؼ خطش ػ " اإلسبة" أ لح ػغىش٠خ، ػذب ٠ى األصش فس٠ب، أ ٠ىش أ الرظبالد، ٠زجب أ شخض أ أ غػخ، عاء وب ٠ؼ أ ال ثب١بثخ ػ أ ٠ى أ ػاللخ ثؤ ظخ أ ؽىخ أ عطخ أ ١ئخ

٠ئر ؽىخ أ اشؼت اذ أ عضءا أ ٠لف أ عضء االلزظبد؛ عغشاف١خ أ ؽ١خ أ ع١بع١خ أ ػشل١خ أ رؼ اؾشة، عاء وبذ ؼخ أ ال أ أ أشطخ ؽشث١خ ثب ف ره اعزخذا امح لج أ أخ ع١بد٠خ ألع رؾم١ك غب٠بد الزظبد٠خ أ" اؾشة"

. بد١٠خ أ غ١ش

الوافع

خسارة التعىيط على الحياة ( أ)زا ( سصخ)ا س٠ش (أ اجبغ ثؾغت اص١مخ األؽذس) 150,000. ق.٠ب ثؼذ ربس٠خ اؾبدس، عف رذفغ اششوخ س( 180)ارا أدد اطبثخ غطبح ا فبح شخض ئ، خالي بئخ صب١

(. ة)زعت اذفغ ثعت افؼخ اشخض ائ امب، بلض أ جغ آخش ذفع أ

العجز التام والذائن ( ة)

ششا ززب١ب ارا وب اشخض ائ ػبعضا ثشى رب دائ ف ب٠خ ز اذح، ز١غخ اطبثخ غطبح رجذأ خالي ( 12)ارا أطجؼ اشخض ائ ػبعضا و١ب اعزش زا اؼغض ذح اص ػشش . ا زا اشخض ائ( جبغ فمب ص١مخ األؽذسأ ا) 150,000. ق.٠ب ثؼذ ربس٠خ اإلطبثخ، عف رذفغ اششوخ س( 180)بئخ صب١

االستثاءاث

: ال رغط ز اص١مخ أ خغبسح أ ظبس٠ف ثغجت ب ٠ . افزؼبي أ ؾبخ افزؼبي اطبثخ رار١خ ػ لظذ أ االزؾبس أ ؾبخ االزؾبس ف ؽ١ ٠ى ع١ اؼم أ ال -1أ ازشد أ االػطشاة اذ أ اإلػشاة أ اؾشة األ١خ أ اؼظ١ب أ ( عاء وبذ اؾشة ؼخ أ ال)اؾشة أ االعز١بػ أ فؼ اؼذ األعج أ األػبي اؼذائ١خ أ اؼ١بد اؾشث١خ -2

. ف أ ؽبخ اؾظبس، ثبعزضبء اذ از رى ف١ ازغط١خ عؼخ ثؾ١ش رش ثؼغ أخطبس اؾشةاغطخ اؼغىش٠خ أ اغطخ اغبطجخ أ اؾى اؼشاضسح أ اغؼت أ ازآش أ اششوخ، ثعت اخطبس وزبث أ ذح ٠خذ خالب اشخض ائ ف اماد اؼغىش٠خ ف أ ١ئخ د١خ ف أ ثذ عاء وب ف ؽبخ ع أ ؽشة، ف ز اؾبخ، رم -3

. ص١مخ، ثبػبدح امغؾ اغج ػ أ ذح خذخ وزا ؽب ا . اخغبسح ازؾخ أ ازىجذح ز١غخ رغ اشخض ائ أ خؼػ زؤص١ش أ اد خذسح أ أد٠خ ب ٠ظفب ؽج١ت -4أ ؾبخ ازبن امب أ مبخ االػزمبي لج اشخض أ خغبسح ٠ى عججب اغب ؾبخ اشخض ائ اسرىبة أ شبسوز ازؼذح ف ػ ػف غ١ش لب -5

. ائ أ خغبسح زؾخ أصبء اغفش ف ؽبئشح أ عبص الؽخ ع٠خ اال وب ظص ػ١ ف ز اص١مخ؛ ( أ) : اغفش ف أ ؽبئشح وخ أ ئعشح أ شغخ لج أ ١بثخ ػ( ة)(i ) ؽب اص١مخ أ أ ششوخ شم١مخ أ ربثؼخ (ii )شخض ئ أ أ فشد ػبئز

. اإلطبثبد اغشص١خ ثبعزضبء اإلطبثبد اؼشل١خ از ٠غججب عشػ ػشػ -6 . زخذخ م١بدح اجا١خ أ اخط١شحأ شوجخ غ( ة)أ شوجخ، ثظفخ شبسن، رى شبسوخ ف أ عجبق أ اخزجبس غشػخ أ زبخ أ ( أ)ل١بدح أ سوة -7أ ( ا٠ذص)ع ػؼف ابػخ اىزغجخ أ طبجخ ثغجت اطبثخ ازبص٠خ أ س خج١ش أ أ ؽبخ شػ١خ أخش، ارا، ف لذ اطبجخ، ر رشخ١ض اشخض ائ ثؤ ٠ؼب ش -8

(. HIV)د أعغب ؼبدح ف١شط اؼص ابػ اجشش شوت اؾبالد ازؼمخ ثبإل٠ذص أ خؼغ الخزجبس د ٠ىشف ػ ع اإلسبة، ثب ف ره أ اعشاء زخز ؼشلخ أ اذفبع ػذ ؽذس اسبة فؼ أ زلغ -9

اعزخذا أ اؽالق أ رغشة اد ٠خ ٠ئد ثشى جبشش أ غ١ش جبشش ا سد فؼ أ اشؼبع أ رس اشؼبػ (‌أ) اد و١١بئ١خ أ (‌ب) اؽالق اد اؽ١بئ١خ أ و١١بئ١خ شػخ أ عبخ ( ط)

9/12/2013

شروط عاهت . ب ثؼذ ا اششوخ ٠ذفغ اشخض ائ وبفخ األلغبؽ اؼشائت اطجمخ ا ؽب اص١مخ ثؾي ربس٠خ اعزؾمبق اذفغ اؾذد ف ث١ب اجطبلخ االئزب١خ: األلغبؽ -1ثغغ اظش ػ ػذد اجطبلبد االئزب١خ ثه اششق لطش از لذ ٠ى اشخض ( أ اجبغ فمب ص١مخ األؽذس) 150,000. ق.٠ى اؾذ األلظ فؼخ ػ و شخض ئ س -2

. ائف ( ١ظ ثظفخ سثب أ شغ أ فشد اطبل)اشخض ائ غبفشا ثظفخ ساوت رى ازغط١خ ػ اغفش ؾظسح ثبإلطبثخ ازؾخ خالي اشؽخ، ف ؽ١ ٠ى : رغط١خ اغفش -3

. أ ػ، ٠شوت أ ٠زشع ؽبئشح ربثؼخ خؾ ع ؾذدص١مخ امغؾ اغزؾك ػ ؽغبة ازبس٠خ از ٠فشع ف١ ؽب ا" ربس٠خ امغؾ افشع"ا . رجذأ ازغط١خ ثبغجخ شخض ائ ف و ربس٠خ لغؾ فشع: ثذء ازؤ١ -4

. اجطبلخ االئزب١خ جه اششق لطش

. ٠ب ثذء ازؤ١ ٠30ب ف ؽبي ٠ظذف ربس٠خ امغؾ افشع ازب جبششح خالي ( 31)ؽذ ألظب اؽذ صالص١ : ذح ازغط١خ -5 : ب ٠ ف ازبس٠خ األلشةرز ازغط١خ ثبغجخ شخض ائ ػذ لع : ابء ازؤ١ افشد -6

٠ز ابء ربس٠خ اص١مخ لج ؽب اص١مخ (1) . آخش اشش از ٠جغ ف١ اشخض ائ ع ازغؼخ اغز١ (2) . ازبس٠خ از ال ٠ؼد ف١ اشخض ائ ؽب ثطبلخ ذ ؽب اص١مخ (3)

ج اشخض ائ أ ؽب اص١مخ ثبغجخ شخض ائ از ٠ جبششح اغبء ز اص١مخ ل" ربس٠خ امغؾ افشع" (4) ربس٠خ اعزؾمبق امغؾ، ارا ٠ز دفغ امغؾ اطة (5) رغ٠خ اطبجخ ثبغجخ شخض ائ (6)

. ٠ى أ اغبء وزا ثذ اخالي ثؤ طبجخ عبس٠خ افؼي بشئخ لج ربس٠خ اإلبءأػال، ٠ى ػذئز أ لجي الؽك ثبمغؾ ثبػبدح ( 6)، ااسدح ف اششؽ اؼب (5)أ ( 4)أ ( 3)ػذب ٠ز ابء ازؤ١ افشد أل األعجبة افشػ١خ : اػبدح عش٠ب رؤ١ فشد -7

. س٠خ اػبدح اغش٠ب زعش٠ب ازؤ١ افشد لج اششوخ عف ٠غط اخغبسح ابشئخ ػ اإلطبثخ ازؾخ ثؼذ ربال ٠ى . ٠ى اضاع ابشئ ػ ػذ دفغ اطبجخ فمؾ ث١ اششوخ اشخض ائ. ٠غت أ رفشط اششوخ ػ أ دفؼخ خبطخ ثؤ طبجبد وبذ ٠غت دفؼب ا شخض ئ -8

. ص ػ ف ز اص١مخؾب اص١مخ أ غئ١خ ػ أ طبجبد أ خغبئش أ ؽج١ؼخ وبذ اال وب ظ . ٠غص ششوخ أ ؾب اص١مخ أ ٠غ اص١مخ ف ا لذ: اإلغبء -9

. ٠ب لع اؾبدس از رشؤ ػ اطبجخ( 30)٠غت اػطبء اخطبس وزبث ثبطبجخ ا اششوخ لج اشخض ائ أ ١بثخ ػ خالي صالص١ : اإلخطبس ثبطبجخ -10

. ٠ب ربس٠خ ز اخغبسح( 180)٠غت اػطبء اششوخ برط اطبجبد اىبخ اصجبرب وزبث١ب ثبخغبسح خالي بئخ صب١ : برط اطبجبدلذ رمذ٠ -11 . ػ اخغبسح ٠ز دفغ ابفغ ازعت دفؼب ثعت اص١مخ ػ اخغبئشح اغطبح فس اعزال اذ١ اىزبث ااعت: لذ اطبجخ ثبذفغ -12 . ػذ اعزال اخطبس ثطبجخ، رمذ اششوخ ا اطبت ابرط اطثخ ػبدح لج اششوخ ألع رؼجئخ األدخ ػ ز اخغبسح: برط اطبجخ -13اذفغ ا اسصخ امب١١ شخض ائ، ػذ رمذ٠ اذ١ رى أ دفؼخ ػ افبح اؼشػ١خ رظجؼ غزؾمخ ثعت ز اص١مخ عف رى زعجخ : ا رذفغ ابفغ -14

. اظذق

ثعت ز ٠ى ششوخ اؾك افشطخ م١ب ػ فمزب اخبطخ ثفؾض اشخض ائ ػذب وب لذ رطج اششوخ ثشى ؼمي خالي رؼ١ك طبجخ : افؾض اطج -15 . عشاء رشش٠ؼ غضخ ف ؽبي افبحاص١مخ، ٠ى ب أ٠ؼب اؾك افشطخ إل

٠ز سفغ . ٠ب ثؼذ رمذ٠ اذ١ اىزبث ػ اخغبسح فمب زطجبد اص١مخ( 60) ٠ز سفغ أ اعشاء ثعت امب ثبغجخ العزشداد اص١مخ لج ازبء عز١ : اإلعشاء امب -16 . ت رمذ٠ اذ١ اىزبث ػ اخغبسحعاد لذ ؽ( 3)زا اإلعشاء ثؼذ ازبء صالس

. ٠غص ششوخ ؾب اص١مخ ف أ لذ ثذ اخطبس غجك ا اشخض ائ، أ ٠غ١شا عذاد األلغبؽ ثبغجخ ز اص١مخ: ازغ١١ش ف عذاد األلغبؽ -17

. ز اص١مخ ثطال ع١غ األؽىب٠زشرت ػ ازخف ػ ازم١ذ ثؤ األؽىب ازؼخ ف: ازم١ذ ثؤؽىب اص١مخ -18

بىد وشروط حوايت االئتواى الشاهلت : اخطبس ب

ف ؽبي اخزبس ؽب اجطبلخ رغط١خ ثعت رغط١خ رؤ١ ؽب٠خ االئزب، عف رجذأ ازغط١خ رمبئ١ب ربس٠خ اجذء . ى ب ا ٠زخ ػ اجشبظ، ٠غؼ االؼب ا اجشبظ غذدا. ٠ى ؼؼ اجطبلخ خ١بس ازخ ػ اجشبظ ف أ لذ، خالي اػال ثه اششق لطش ثزه .

٠ش ره ثبؼشسح أ١خ ػؼ . ػ ؽغبة رغغ١ ازمبئأ /عف ٠ز فشع سع ثبغجخ ز ازغط١خ ػ ؽغبة ثطبلخ ػؼ اجطبلخ ػ أعبط اخز١بس زغط١خ

. اجطبلخ ثبؾظي ػ بفغ ازغط١خ رطجك ازغط١خ فمؾ ػ أػؼبء اجطبلخ اشئ١غ١١ . ػ١خثبغجخ زغط١خ خغبسح اؼ غ١ش اط 59 18عخ ثبغجخ زغط١بد افبح اؼغض ث١ 65 ٠18زشاػ ػش ػؼ اجطبلخ ث١ . لطش"ثبغجخ خغبسح اؼ غ١ش اطػ١خ، " وبفخ اؾبء اؼب"٠ى اؾذ اغغشاف ثبغجخ فبح أ اؼغض ."

رخؼغ ازغط١خ الخزظبص ؾبو لطش . أ ف سفغ أ رل١ف أ اغبء ازغط١خ اطجمخ ثذ رمذ٠ أ عجت زه/٠ؾزفع اجه ثبؾك، ف أ لذ، ف رغ١١ش ثد ششؽ أعؼبس . رظجؼ رغط١خ افبح أ اؼغض غزؾمخ ثبغجخ إلطبثخ اغغذ٠خ أ اشع ى ثبعزضبء األعجبة ازوسح ف االعزضبءاد

بفغ ازعت دفؼب ثعت زا اجشبظ مبث اجغ اإلعب ازؤخش اغذاد اخبص ثؼؼ اجطبلخ ذ اجهرشطت وبفخ ا. زظ١ف٠ ربس٠خ 15 ٠ض٠ذ ػ ف ؽبي خغبسح اؼ غ١ش اطػ١خ رمذ٠ ابفغ ا ػؼ اجطبلخ، عف ٠خطش ػؼ اجطبلخ ششوخ ازؤ١ فسا ػذ اػبدح رظ١ف ثب ال . اػبدح ا

. ٠زشرت ػ ازخف ػ اخطبس اششوخ عؼ ابفغ امذخ ثعت ز اص١مخ لبثخ العزشداد ثبىب ثذ اػزشاع رؤ١ جبششح غ ششوخ ػب ٠ز ازفبع ثشؤ أ اػزشاػبد ػ أ رغط١خ ". ششوخ ازؤ١"ال ٠ؼزجش ثه اششق لطش ف أ لذ و١ال ششوخ ػب زؤ١ اؼشف ثظفخ

. زؤ١، دث

التعريفاث

. س اشرىت لج ػؼ اجطبلخ٠ؼ ؽ١ش رغجت ع١خ ػ١فخ خبسع١خ اإلطبثخ اغغذ٠خ ثشى جبشش رى غ١ش زلؼخ غثخ ا اإلطبثخ ازار١خ ازؼذح أ االزؾب" اؾبدس" ٠ؼ ثه اششق لطش؛" اجه" رؼ ازؼ٠غ ازعت دفؼ ػ طبق ز ازغط١خ ثبغجخ فبح ػؼ اجطبلخ أ ػغض ازب اذائ أ خغبسح ػ غ١ش اطػ١خ؛ " افؼخ"٠غشد األ١خ ثعت أؽىب ز ٠ؼ ؽب اؾغبة اشئ١غ زغ١الد اجطبلخ االئزب١خ ذ اجه از ال ٠ى غ١ش ىززت ف ابفغ ثعت ز ازغط١خ " ؽب اجطبلخ"

ازغط١خ العزال ابفغ اظص ػب ف١ب؛ ٠ؼ ثبغجخ ألػؼبء اجطبلخ اغذد، ربس٠خ اطذاس اجطبلخ أ ربس٠خ رغغ ػؼ اجطبلخ ف ز افؼخ؛ " ربس٠خ اجذء" رؼ ششوخ ػب زؤ١، دث، اإلبساد اؼشث١خ ازؾذح؛ " اششوخ" ؛ .رؼ فؼخ ؽب٠خ االئزب امذخ لج امج ثبالشزشان غ ششوخ ػب زؤ١" زغط١خا" . رؼ اذح ثؼذ ربس٠خ اجذء از رطجك خالب ابفغ ثعت ز ازغط١خ" ذح ازغط١خ"

ػؼ اجطبلخ ثعت رغ١الد اجطبلبد االئزب١خ؛ ٠ؼ االئزب أ شى آخش ازغ١الد اب١خ امذخ لج اجه ا" االئزب" بعزش وبسد االئزب١خ از ر رغ١زب ثؼجبسح ازغ١الد از رطجك ػ١ب ابفغ ثعت ز ازغط١خ؛ /رؼ رغ١الد ثطبلبد ف١ضا" رغ١الد اجطبلبد االئزب١خ" : ٠ؼ أ٠ب ب ٠" ربس٠خ اؾذس"

. ٠ظش ثؼذ ربس٠خ اجذء خالي ذح ازغط١خ/ثبغجخ فبح، ربس٠خ افبح ابشئخ ػ ؽبدس أ شع ٠ؾظ .1 . ٠ظش ثؼذ ربس٠خ اجذء خالي ذح ازغط١خ/ثبغجخ ؼغض ازب اذائ، ربس٠خ اإللشاس ثبؼغض ازب اذائ لج ١ئخ خزظخ، ٠ى برغب ػ ؽبدس أ شع ٠ؾظ .2

. غجخ خغبسح اؼ غ١ش اطػ١خ، ربس٠خ اإلخطبس ثبإلبء امذ ا ػؼ اجطبلخ ثؼذ ربس٠خ اجذء خالي ذح ازغط١خثب .3 رؼ افبح ثغجت اطبثخ أ شع؛" افبح" ٠ؼ شػب أ ػخ رؾذس ثؼذ ربس٠خ اجذء؛ " اشع"عزفبدح ب ثؼذ ربس٠خ اؾذس غ شاػبح ؽذ رؼ اجغ اإلعب ازؤخش اغذاد ف رغ١الد اجطبلبد االئزب١خ، ؽز ربس٠خ اؾذس ى ثبعزضبء أ رغ١الد ائزب١خ ٠ز اال" اذ١٠خ"

ألظ اؾذ االئزب اغػ اخبص ثؼؼ اجطبلخ؛

غذ٠خ ابرغخ ػ ؽبدس ٠مغ ثؼذ ربس٠خ اجذء؛ رؼ اإلطبثخ اغ" اإلطبثخ"١ش األعجبة رؼ ثطبخ ػؼ اجطبلخ ابشئخ ػ امشاس األؽبد اغبت ازخز لج طبؽت اؼ ثببء ػمذ ػ ثذ روش أ عجت أ أل عجت غ" خغبسح اؼ غ١ش اطػ١خ"

اغزضبح؛ : ازب از رزلف ػذ ثغ ازغط١خ، ثبغجخ ؼؼ اجطبلخ( ساألػب)٠ؼ اؼش " ػش ازغط١خ األلظ"

i. عخ 65: اؼغض/افبح

ii. عخ 59: خغبسح اؼ غ١ش اطػ١خ : ٠ؼ أ٠ب ب زوس أدب ز١غخ اإلطبثخ أ اشع ابشئ ػ عجت غ١ش غزض ثشى ؾذد ثعت ز اص١مخ" اؼغض ازب اذائ"

. ذائ ظش ف اؼ١١افمذا ا- - ثزش ؽشف١/فظ .

- اش اىب اذائ بعجب خالي ازؼ١ أ ازذس٠ت اؼبعض ثشى رب، ٠ظجؼ ػؼ اجطبلخ غ١ش لبدس ػ اوزغبة دخ ف أ خ أ رغبسح أ ػ ٠ى ازلغ ثشى ؼمي أ ٠ى

ى ٠طجك زا اؾذ اض ػ ؽبالد . ٠ى وزه لذ غ١ش ؾذد أ اخجشح ثششؽ أ ٠ى اؼغض ذح عزخ أشش ززب١خ أ رى اششوخ مزؼخ ثؤ ػؼ اجطبلخ عف . ثزش األؽشاف/فظ

أ ش أ اؼبظ ثبطج١ؼخرؼ اشع از ٠ؾذس أ ٠ظش لج ربس٠خ اجذء، ٠ز اؾظي ػ ظ١ؾخ أ ؼبغخ ثشؤ ؽج١ت ؼبظ أ ؼبظ ثزم٠ اؼد افم" اؾبخ اعدح عبثمب" . أ ؽج١ت آخش اع رار، خالي اص ػشش ششا، لج ربس٠خ اجذء جبششح

. ششا ربس٠خ اجطبخ اؾب١خ( 12)رؼ امجي جبششح ػ ذ طبؽت ػ عذ٠ذ أ ذ طبؽت اؼ رار ثعت ػمذ ػ عذ٠ذ خالي اص ػشش " اػبدح ازظ١ف"

التغطيت (أ اجبغ فمب ص١مخ األؽذس. )50,000. ق.ؼغض ازب اذائ ؼؼ اجطبلخ اشئ١غ، ذ١٠خ ػؼ اجطبلخ ؽز ربس٠خ اؾذس غ شاػبح ؽذ ألظ ٠جغ سثبغجخ فبح أ -1ازشرجخ ػ ره ػ ره اشش غ شاػبح ؽذ ألظ ٠جغ اذ١٠خ ؽز ربس٠خ اؾذس ثبإلػبفخ ا افبئذح % 10ثبغجخ خغبسح اؼ غ١ش اطػ١خ ؼؼ اجطبلخ اشئ١غ، -2

األ ( 30) رى ابفغ زعجخ اذفغ ػ األ٠ب اضالص١ . ششا 12ػ و شش ثطبخ غب٠خ ؽذ ألظب ( أ اجبغ فمب ص١مخ األؽذس( )اشع/ثب ف ره افبئذح) 4,000. ق.س

. ٠ ربس٠خ اجذء 90زعجخ اذفغ اال ارا طذف ربس٠خ اؾذس ثؼذ رى ابفغ . اجطبخ

االعزضبءاد

: رطجك أ بفغ ثعت ز ازغط١خ ثبغجخ ؾب ثطبلخ ؽ١ش ٠ؾظ ؽذس رشؤ ػ طبجخ ثعت ز اص١مخ ز١غخ ب ٠ -1 شش ربس٠خ اجذء 12فبح ػ ؽش٠ك االزؾبس خالي ( أ) ٠ ربس٠خ اجذء 30شع ٠ؾظ خالي ( ة)

( ثذ طفخ طؾ١ؾخ لج ؽج١ت ؼزشف ث ثشى لب)أ ربي داء رار١ب /أ اطبثخ فزؼخ رار١ب ( ط) آصبس أ رؼم١ذاد بشئخ ػ اؾ ( د) . طبلخ ػ زب وشاوت ثؾغ ١خ از رشغب ششوخ خطؽ ع٠خ رغبس٠خ أ ئعشح شخظخأ ؽبدس ٠ؾظ ػ ز أ ف أ ثشؤ أ ؽبئشح غ١ش اطبئشح از ٠غبفش ػؼ اج( ـ) أ ازس اإلشؼبػ/اإلشؼبع ا أ االشطبس ا أ االذبط ا ( ) الػطشاة اشؼج اغطخ اغبطجخ اإلسبة ازشد اضسح ا( عاء وبذ اؾشة ؼخ أ ال)اشبغجبد اؼظ١ب اذ اإلػشاثبد اؾشة ( ص)

. جخ ف ؽبي افبحرؤص١ش اىؾي أ اؼمبل١ش غ١ش االعزخذا اظؾ١ؼ ؼمبل١ش اطفخ لج ؽج١ت ئ لبب ى ال ٠طجك زا االعزضبء ػ اطب( ػ) .. طبجخ ف ؽبي افبحاؾبخ اضخ، ى ال ٠طجك زا االعزضبء ػ ا/ف ؽبي اشع( ؽ)ى، ال ٠طجك زا االعزضبء اال ارا وبذ اششوخ . أشش زاطخ ربس٠خ اجذء 6اشع ثغجت ؽبخ عدح غجمب ى ال ٠طجك زا االعزضبء ػ افبح از رؾذس ثؼذ ذح ( )

. بس٠خ رمذ٠ وبفخ صبئك اطبجبد اطثخ ا اششوخ، خالي شش اؽذ ر"اؾبخ اعدح غجمب "لبدسح ػ اصجبد از ( HIV)أ شوت اؾبالد ازؼمخ ثبإل٠ذص وب سد رؼش٠ف ػب لج ظخ اظؾخ اذ١خ لذ ٢خش أ ف١شط اؼص ابػ اجشش ( ا٠ذص)الصخ ػؼف ابػخ اىزغجخ ( ن)

وشف األعغب اؼبدح از رؾذد عد ف١شط اؼص ابػ اجشش أ اخزجبس ف١شط اؼص ابػ اجشش ٠ز اىشف ػ خالي اخزجبس آخش، ػ اذح رب ثعت أ زظ أ رؤ١ رطجك ابفغ ثعت ز ازغط١خ ػ ػؼ اجطبلخ ػذب ٠غز أ ٠مذ ػؼ اجطبلخ ؽجب العزال فؼخ بصخ رغط اظؾخ را -2

. از ٠طجك خالب ازؼ٠غ ثعت ز ازغط١خ : أ ف ب ٠زؼك ثب ٠/أ اغثخ ا / رطجك ابفغ ثعت ز ازغط١خ ثبغجخ خغبسح اؼ غ١ش اطػ١خ ابشئخ ػ -3i. ئلذ اؼ ثعت ػمذ ؾذد اذح ألل عز١ أ اؼ ثذا عضئ أ ػ

ii. االعزمبخ أ غبدسح اؼ ثبرفبق زجبدي أ ثطبخ ؽػ١خ أ اعبة ثؼذ ازلف اطػ ػ اؼ ثب ٠ض٠ذ ػ خظض اإلعبصاد اؼبد . iii. ( أ عغذ٠خ/ػم١خ )اؼغض أ اشع أ اؾبدس أ أعجبة ؽج١خ أخش iv. ٠ ربس٠خ اجذء 90خغبسح ػ غ١ش ؽػ١خ رجذأ خالي v. ؽ١ش ٠ى ػؼ اجطبلخ ذسوب جطبخ اؼمخ ف ربس٠خ اجذء أ لج . vi. ؽ١ش رى اجطبخ عضءا ع١ب ػبد٠ب اؼ أ ثغجت ػذ رغذ٠ذ ػمذ اؼ لج اغطبد .

vii. ئ١ب أ ثبىب أل عجت أعجبة ػمذ اؼؽ١ش ٠ز ابء خذبد ػؼ اجطبلخ أ ٠ؾذس اعبة ف اؼ ى ر اؽزغبص سارج أ خظظبر عض . viii. اجطبخ أل األعجبة ا٢ر١خ:

عء ازظشف . أ سفغ لجي أاش اذساء . ة اإلداخ ثغش٠خ . د

ازؼ١ أ اؼ االؽز١ب . سix. اذح از ٠ز اعزال اذفغ طبؽت اؼ ػب ثذال اإلخطبس ثبؼ x. اطػابء اؼ ثغجت ازمبػذ غ١ش xi. رخف اششوخ ؽ١ش ٠ى اغجت اغب خطشا وبسص١ب ؽج١ؼ١ب .

xii. ازمط١ش