General & Special Terms and Conditions

These terms are interpreted and applied in accordance with the bank's memorandum and articles of association and its regulations, the instructions of the Central Bank of Syria, the rulings of Islamic Sharia, and the fatwas of the bank's Sharia Supervisory Board.

• Definitions — the bank, the customer, the card, banking transactions, documentary credits, letters of guarantee, the personal identification number, and points of sale.
• The account — a single customer number covering every account at any branch, in local or foreign currency, individual or joint; the registered signature specimen and how a change to it takes effect; and what happens when a customer changes their name.
• Deposits, withdrawals and collection — deposits in cash or by usual banking means subject to AML controls; withdrawals on the customer's accepted instructions or at points of sale; and collection of commercial paper at the bank's discretion, with proceeds available only once collected.
• Fees, security and set-off — the bank may debit fees and commissions per its approved schedule without reference to the customer; may hold securities and property in the customer's name against sums due; and may freeze, set off or transfer between the customer's accounts at any time without prior notice.
• Statements, liability and correspondence — transactions carried out on the customer's instructions are at the customer's risk; neither the bank nor its correspondents is liable for the form or validity of a document; correspondence travels at the customer's expense and risk.

• Deposits — the investment deposit, its term, and early withdrawal.
• Cards — activation within two working days of receipt, and the customer's full and final liability for amounts and charges arising from issue and use.
• Electronic services — the customer must change the password on first use, and bears sole responsibility for the direct and indirect consequences of use.
• Cash withdrawal slip — paid in cash to the account holder or an authorised signatory.

The signed copy governs. This page introduces the booklet's chapters and principal clauses; the binding text is the original below and the copy the customer signs at the branch.