Terms & Conditions – FAB Multi Product Package

First Abu Dhabi Bank PJSC – (“FAB”) has launched an offer for customers who apply for the Multi Product Package
stipulated here with (“Offer”).

The Offer Period is from 1 April 2023 to 31 March 2024, both days inclusive (the “Offer Period”).

The prevailing General Terms and Conditions for FAB Accounts (the “General Conditions”) shall form an integral part
of this Offer (the “Offer Terms and Conditions”). The General Conditions can be found on our website at
www.bankfab.com. Please ensure you have read and understood them. In addition to this, where a specific FAB
product has been made available to you, that product will be governed by the applicable product terms and
conditions. You must ensure that you have read and understood the product terms and conditions applicable to your
FAB product.

Offer Terms & Conditions

1. The Offer is open to all New FAB customers with no previous relationship with FAB in the last 6 months and select
existing customers, who fulfil eligibility criteria outlined in these Offer Terms and Conditions during the Offer
Period (“Eligible Customer”) subject to a minimum monthly income requirement of AED 10,000.

Multi Product Package Reward, AED UAE National Expat

Tier 1 FAB One Current Account or 3750 2500

Personal Current Account +
iSave account + Credit Card
or Personal Loan or an Auto
Loan or a Mortgage

Tier 2 Above + Salary transfer 3750 2500

Tier 3 Above + Personal Loan or 2500 2500

Auto Loan or Mortgage (In
addition to Credit Card)

The Eligible Customers will be offered up to AED 10,000 equivalent in the form of FAB Rewards when they obtain a
FAB One Current Account or Personal Current account, and in addition fulfil any one of the criteria below:

• Tier 1. The Eligible Customers obtain FAB Rewards Signature Credit Card, FAB Travel Visa Signature Card, Etihad
Guest Signature Credit Card, Blue FAB Signature Credit Card by Al-Futtaim, FAB SHARE Platinum Credit Card, FAB
Rewards Platinum Credit Card, FAB ADNOC Cashback Credit Card or a Personal Loan or an Auto Loan or a
Mortgage

• Tier 2. The Eligible Customers fulfil Tier 1 criteria and transfer their Salary to FAB.

• Tier 3: The Eligible Customers fulfil Tier 1 and Tier 2 criteria and obtain a Personal Loan or Auto Loan or a Mortgage
of a minimum AED 50,000.

2. The Offer will be available for select existing customers identified by FAB having credit card-only or account-only
relationship (and with no salary transfer to FAB in the last 6 months). Such customers will be eligible for Tier 2
and Tier 3 reward (Maximum of AED 6250 equivalent in FAB Rewards) with the mandatory condition of new
salary transfer to FAB. Dubai First cardholders are treated same as existing FAB customers for the purposes of
establishing their eligibility for the Offer.

3. Customers need to avail all the products in the respective Offer within 60 days from availing the first product of
the Offer.
4. The Offer will be credited in the form of FAB Rewards within 150 days of application for the Eligible Customer who
met the criteria provided in this Offer only.

5. For salary transfer – at least 2 salary credits need to be evidenced in customers’ account. The first salary credit
needs to happen within 60 days from the first product opening in the respective Offer. Customer should continue
to transfer salary to FAB at the time of fulfillment of rewards.

6. The salary transfer that will be considered under the Offer is new to FAB salary transfer or previously had
discontinued salary transfer 6 months prior to Offer start date.

7. Delinquent customers will be excluded

8. FAB shall retain the sole and absolute discretion to determine customer’s eligibility in meeting the criteria of the
Offer.

9. FAB and FAB Islamic staff are not eligible for this Offer.

10. Unless otherwise stated, the Offer is not valid in conjunction with other offers, discounts, rebates, vouchers,
privileges, or promotions currently being offered by FAB.

11. An Eligible Customer is only entitled to a one-time Offer i.e., a maximum cashback of AED 10,000 equivalent in
FAB Rewards upon fulfilling the criteria during the Offer Period. No multiple Offers shall be awarded during the
Offer Period.

12. FAB reserves the right at its discretion to add, change, amend, vary or cancel these Offer Terms & Conditions at
any time by providing notice. FAB’S decision on all matters relating to the Offer shall be final and conclusive.

13. The Eligible Customers who fulfilled the criteria provided in clauses 1 and 2 must be always up to date on all
payments across the FAB products in order to participate in the Offer. If any payments are overdue on any of the
FAB products, or at any stage the Eligible Customer is in breach of any of FAB terms & conditions, Eligible
Customer will not qualify for the purpose of this Offer.

14. By participating in the Offer, the Eligible Customer consents to the use of his/her personal data by FAB for
marketing purposes, including but not limited to the use of telephone numbers to contact Eligible Customer
about products and promotions offered by FAB from time to time via telephone, mobile notifications, SMS or
electronic direct mailer.

These Offer Terms and Conditions shall be governed by and construed in accordance with the federal laws in the
United Arab Emirates, and in particular by the laws of the Emirate of Abu Dhabi. All disputes relating to these Offer
Terms & Conditions shall be subject to the exclusive jurisdiction of the courts of Abu Dhabi.

First Abu Dhabi Bank PJSC is licensed and regulated by the Central Bank of the United Arab Emirates. Its registered
address is at PO Box 6316, Abu Dhabi, United Arab Emirates