General Conditions applicable on all Accounts:

1. Customer hereby grants the Bank an absolute, unconditional and irrevocable right and permits the Bank to inquire about him/her at the Department of Dishonored Cheques at the Central Bank of Jordan and or at any other bank or credit information company, and the Bank shall be exempt from any liability that may result from this.
2. The Bank shall have the right to debit any of the accounts of the Customer with all the expenses, fees, interest, commissions, taxes, and stamp duties that the same incur or bear on behalf of the customer, or those which result from any transaction between the Bank and the Customer.
3. The Customer hereby authorizes the Bank to debit his/her Account thereof with all the amounts that become payable by the Customer to the Bank, relating to all types of commissions, any issued discounted or guaranteed promissory notes, issued guarantees, bought securities, or otherwise. In the event the Customer is in default of his/her contractual obligations, and after being notified of such default on his/her registered address that is specified in the records of the Bank, the Bank will, at any time, freeze or close any account opened in the name of the said Customer notwithstanding the existence of any guarantees or warranties given to the Bank with respect of such accounts, the Customer shall be required to pay any outstanding balance due thereon, in addition to any dues to the Bank, whether interests or else.
4. The Bank shall have a full right to seize, for its own benefit, all the monies, securities, and commercial papers deposited with the Bank, as well as all debt accounts, deposits, and any other monies of whatever nature belonging to the Customer and is or anticipated to be under the possession of the bank (whether currently or in the future), in whatever account or branch of the bank, and the Bank shall have the absolute right to detain any amount that the Customer owes the Bank; such amount shall be considered as insurance and guarantee for the payment of any amount, interest and/or costs due to the bank as per its records with respect to the accounts of the Customer, and the Customer hereby waives his/her right to object the amount owed, whereby the records of the Bank shall be conclusive, irrefutable and binding on the Customer and the Bank.
5. The Customer authorizes the Bank to dispose, with its absolute discretion; of any withdrawals that take place, with the knowledge of the Customer, in the form of cheques, transfers, payment orders or any other form of transfer by overdrafts from the current Account of the Customer, by guaranteeing other deposits of the Customer with the Bank. The Customer authorizes the Bank to transfer the deposit(s) into a cash guarantee account in exchange for banking facilities, and that the payment of the said deposit shall be made once such amounts become due; and authorizes the Bank to do the aforementioned without consulting the customer and without any prior notice or warning or any other legal procedures, and the Customer shall not revoke such authorization except with the written consent of the Bank.
6. The Customer’s signature as it appears on the Bank card specified for such purpose shall be considered the authenticated signature in respect of all its Accounts and transactions with the Bank; in case any application or order for payment of a cheque carried a different signature than the one illustrated on the Customer’s Bank card, the Bank may, with its absolute discretion, execute the transaction or refrain from doing so, even if a confirmation letter or approval from the Customer is provided.
7. The Customer acknowledges that the Bank’s books, accounts and ordinary records and/or those resulting from the use of electronic and technical tools and of whatever type are considered correct, conclusive, and binding on us, and we shall not object against or contest the same in the future for whatever reason, unless the Bank receives from the Customer a written objection thereon within a period of (15) days from the date of sending the statement or any record, notice or else. The Customer hereby finally and irrevocably waives his/her right of requiring the statutory oath to the Bank’s chairman of the board of directors, the members of the board of directors, the general manager, the chief executive officer and / or any of the employees of the Bank in respect of any proceedings that relates to the Bank, whether civil or criminal, and for whatever reason.
8. The Customer shall accept cash deposits credited into the Account by any third party unless the third party submits a written request that such deposits shall be declined, and such a request shall become effective the next business day after its submission. The Customer shall have the right to object to any deposit transaction made on his/her Account.
9. The Bank shall accept objections against the encashment of any cheque in case a written and signed request of objection was submitted by the Customer on the form accepted by the Bank in accordance with the provisions of the law.
10. The Bank shall not bear any responsibility in respect of any change in the Customer’s cheques withdrawn from the Account where the blank spaces of the cheque are filled with a typewriter, electric writer, or any other typing means.
11. The Customer shall discharge the Bank in writing from any liability where the Customer requested keeping records of the correspondences with the Bank’s approval, the Customer shall waive his/her right to claim any damages, or invoke any liability that may result from the aforementioned, and the Customer acknowledges that the address of the Bank is the approved address for correspondence, and that such address is a valid address for the service of correspondence addressed thereto in accordance with the provisions of Article 25 of the regulations of fair and transparent client transactions No. 56/2012 and any amendment thereof.
12. The Bank shall have the absolute right to off-set the amounts deposited in the debt accounts of the Customer against any credit account in any of the branches of the Bank, where such setoff was not made, the Bank may charge interest on the debit accounts, and the Customer hereby shall waive its right to object against not implementing the setoff.
13. In case of the Customer having several commitments towards the Bank whether by way of loans, overdraft, credit cards or any other facility, the Bank has the right to choose the account or the facility or loans to cover without any responsibility.
14. The Bank shall not be obliged to meet the Customer’s requests of foreign currency from its foreign currency Accounts unless such currency is available in the local market, and provided that the maximum withdrawn at one time be the amount specified by the Bank from time to time, and the Bank shall be notified at least two business days in advance of the withdrawal.
15. It is understood that any cheque deposited for collection in the Bank’s account will be deposited with you, the bank will present it in accordance with the usual procedures and during a reasonable period of time, and I declare the bank of any liability arising from the delay in submitting the cheque for collection or delay in the collection process and depositing the cheque in my account for any reason.
16. The Bank reserves its right to close or refuse the opening of any Account without showing any reason, where it becomes evident that any document or information provided by the Customer was untrue, or that the Customer’s name is listed on the blacklists, or upon the Bank’s absolute discretion.
17. The Customer represents and acknowledges that the Bank shall bear no responsibility nor obligation as a result of the deficit, or the decrease in the value of the amounts charged on any of his/her Accounts with the Bank, or for the non-availability of such amounts as a result of forfeiture, compulsory transfers, attachments of any type, national strike, national unrest, or for military, political reasons, or other reasons, force majeure or emergency situations of whatever type of nature, so long as the same are beyond the control of the Bank, in which case the Bank and any of its branches, offices, and affiliates thereof, shall not be responsible for the consequences of the aforementioned on the Accounts of the Customer, this shall also include any judicial or administrative attachment applied by whatever entity, in course of any proceedings, even if the Bank nor the Customer were not parties thereof, and whether the same was civil or criminal.
18. The credit of amounts through checks (available for collection or direct deposit) or any other instruments shall be considered temporary, the same may not become final except from the date the same are duly collected, where the collection was not successful, the Bank shall reverse such entries in the systems and the records thereof, and such reversal shall be applied to the Account on which the same were credited, and the Customer acknowledges that the systems and the records of the Bank shall be considered final and conclusive evidence on the due balance of the Customer in the Account(s)thereof, and the Customer authorizes the Bank to reverse any such entries made on the Account in error or negligence, and the Customer discharges the Bank from any liability whatsoever resulting from such error or negligence, and the Customer undertakes, upon discovery of any such error, to notify the Bank and to return any amounts the same withdraws from amounts entered into his Account in error, upon the same becomes knowledgeable thereof, and / or upon the first request and without objection by the Customer.
19. The Customer absolutely agrees that all the amounts, monies, shares, bonds, documents, papers, and valuable items and properties related to him/her, whether under the possession of the Bank, deposited in his/her Account, and/or in his/her safe locks, and whether in the branches of the Bank in Jordan or abroad, shall be considered a guarantee for the payment of any debts due /on any of the debts in the Customer’s capacity as creditor and/or guarantors for the benefit of the Bank, notwithstanding the reasons for such debt, and whether the same is actual or anticipated, and the Customer irrevocably and absolutely authorizes the Bank to act on or sell the same whenever the Bank so desires, in the method and for the price that the Bank deems appropriate, all without the need to refer to the Customer, serve notice or a warning, or otherwise, and without the Customer having any right to object or appeal against such actions.
20. The value of the cheques shall be credited to the Customer’s Account pursuant to the arrangements with the Bank as a collecting agent. This document does not entitle the Customer to withdraw the value of these cheques before collection is completed and the Bank reserves the right to retract and complete the opposite action in case of the bouncing of any of these cheques for any reason. The Bank shall not be held responsible for the legality, validity and accuracy of the signatures and endorsements of the cheques.
21. The Bank will not be responsible for any loss, damage, or failure to provide, clam, collect the cheque nor will it be responsible for sending notice of non-payment or the bouncing of the cheque.
22. The Customer shall be responsible for any claim or demand as a result of any fraud or misrepresentation in attached cheques or any endorsement affixed thereon. The Bank is obliged in the event of any matter related or could be related to a crime or illegal act to notify any official body due to banking law and Central Bank of Jordan rules and regulations.
23. The Bank shall not be responsible for any error in the entry of the information and the Bank is entitled to correct any error in the deposit form and notify the Customer. This form shall not be considered legal and valid unless stamped and signed by the Bank.
24. When the Bank receives cheques with their collection fee, it does so in its capacity as a collecting agent. The Bank shall not be responsible for the collection of the value of the cheques and shall not be held responsible for the legality, validity and accuracy of all signatures and endorsements on the cheques deposited with the collection fee
25. The Customer shall be responsible for any claim or allegation due to any fraud or misrepresentation in attached cheques or any endorsement installed by him/her. The Bank is obliged to report any matter related or could be related to a crime or illegal act and to notify any official body pursuant to banking law and Central Bank of Jordan rules and regulations.
26. The value of the cheques is to be credited to the Customer’s account pursuant to the arrangements between the Bank and the Customer and this action does not entitle the Customer to withdraw the value of these cheques before collection of the value of the cheques. The Bank reserves the right to retract and complete the opposite action by debiting the Customer’s account in addition to any expenses/interest/commissions that may be incurred in the event of any bouncing of any of the cheques for any reason. The Customer acknowledges the Bank is free of any liability related to the legality related to the cheques.
27. The Customer shall absolutely authorize the Bank, (in case of suspicion of a money laundering or any possible illegal transaction in respect of any of his/her Accounts with the Bank) to refrain from executing any transaction on the Account, freeze the Account, and carry out the necessary procedures.
28. The information and data submitted by the Customer is subject to banking confidentiality.
29. The Customer shall not object to the possibility of the Bank freezing or suspending any of the Accounts of the Customer, seizing any of the amounts received that are due to the Customer which will be for the benefit of the Customer from any source and restricting the Account management of its expenses account on the basis of the cost of maintaining the Account open on the records of the Bank, and the Customer is not entitled to object / appeal against such charge.
30. The Account shall be considered frozen in case of no withdrawal from or deposit into the Account, depending on the period specified below, which shall start from the date of the last withdrawal / deposit:

                  A – Six months for current and demand accounts.

                  B – Two years for saving accounts.

                 C – Three years for term deposit and notice accounts.

The periods stated above are subject to changes by the Bank in case of any new regulations issued by Central Bank of Jordan.

31. No credit or debit transaction – except cash withdrawal transaction – or the encashment of a cheque shall be considered a sufficient reason to reactivate a frozen Account.
32. The Customer understands that where the balance of his/her Account remains below the minimum limit set by the Bank, or where the Account becomes frozen, the Customer authorizes the Bank, at any time,, to charge the Account with a low accounts commission and the expenses of administrating the account, on the basis of the cost of keeping the Account open in the records of the Bank, and the Customer is not entitled to  object or appeal against the aforementioned.
33. The frozen Account may only be reactivated in the event the Customer, physically refers back to the Bank, or through his/her legal representative pursuant to a notarized power of attorney or an authorization approved by the Bank to request the reactivation of the account, and upon verifying the identity of the Customer or the legal representative thereof, and the signature of the Customer or the legal representative on a declaration confirming the validity of the account balance on the respective date.
34. In the event no balance is in the Account, the Customer, as per his/her absolute will, authorizes the Bank, at any time he/she deems appropriate, to close the Account without presenting any reason. As such, the Customer discharges the Bank after closing the Account, from executing any orders previously made by the Customer in respect of the closed Account, whether related to suspended cheques, fixed orders, and/or any other procedures even if the Account was reopened for different reasons, and without the Bank bearing any liability of the results of such an action, and the Customer hereby irrevocably waives in advance, any right that may be used against the Bank. The Customer undertakes to return the cheque book(s) in its possession upon closing its Account, and the Customer irrevocably and absolutely authorizes the Bank to close the Account(s) with the Bank in the event of misappropriation or abuse of the Account(s) such as, the issuance of overdrawn cheque, without the Bank bearing any responsibility of the aforementioned.
35. The Customer understands that all foreign currency deposits in and withdrawals from its Account(s), as well as related expenses and interests are subject to the instructions of the Central Bank, and/or the administrative instructions applicable to the Bank.
36. The Customer is obligated to notify the Bank with any change in respect of the names of the authorized signatory(ies)of his/her Account(s), the conditions applicable to their signatures, the scope of their authority, or any change in the type, legal standing, objectives, or capital of the company, and in general any changes to the legal status of the company. Once the changes have taken place, the Customer acknowledges that it bears any liability arising from failure to implement the said changes except from the date the Bank receives the Customer’s letter informing of such a change, and the Bank is entitled to uncashed any cheques or payment orders in the event they were received or are dated  to the date of the change of the authorized signatories. As for cheques and payment orders signed by the previous authorized signatories, which hold a later date than that of the amendment change of the authorized signatories, these orders which had been received prior to the date of the amendment, may be implemented by the Bank.
37. In case of the death of any authorized signatory or the authorized signatory, the Bank shall have the right to suspend the account until the company changes the authorized signatory pursuant to the due certificates.
38. It is forbidden for the Customers of the Bank to use their personal account for commercial purposes.
39. The non-Jordanian Customer agrees to provide the Bank with an updated copy of its registration certificate, at the Bank’s request and the Bank has the right to phase out /stop some of the financial transactions and services provided to the Customer in case that the Bank is not provided with this.
40. The Bank is entitled to reject or refuse any power of attorney in the event it was issued or organized at a date outside the specific period determined by the Bank’s bylaws and regulations.
41. A- The Customer(s) agree(s) that the Bank shall notify the Central Bank of Jordan and/or any entity that it approves, as well as any other entities that are entitled to receive and/or request information as applicable and required by the Jordanian banking law and in accordance with any other applicable law of any withdrawn or returned cheques by the Customer(s) on any of their Accounts with the Bank, for any reason. The Bank shall apply the provisions of the Instructions for the Returned Cheques Unit no. (55/2011) issued by the Jordanian Central Bank in this regard.

B- The Customer is entitled to authorize representatives on its account pursuant to a banking authorization letter approved by the Bank or a notarized power of attorney that is referred to legal authorities accredited by the Bank to verify its accuracy and validity. and the representatives shall be entitled to the same privileges as the Customer within the scope of the authorization letter or the power of attorney. In the event  such authorization is cancelled, the Bank shall be notified of its cancellation in writing and/or by fax or by electronic services, or in person, and the Bank shall, as per its absolute discretion, dispense all the amounts of checks and other instruments signed as per the previous authorization in case the same carry a prior date, and are submitted after the new instructions issued subsequently by the customer.

42. The Bank is entitled to close, suspend or freeze the Account in the event the Customer refuses or does not respond to the Bank’s request to update its information and/or data during the period specified by the Bank.
43. The Customer acknowledges, where it has signed to these Terms and Conditions, they shall apply to its current Accounts and any other subsequent Account opened in the Bank. These terms and conditions are approved by the Bank whereby its contents shall apply to all Accounts in the Bank.
44. The address provided in these Terms and Conditions shall be the Bank’s only approved address, and the Customer declares and agrees that all the correspondences and notices sent to the Bank on the mentioned address, including notices and legal proceedings relevant to Account(s), shall be considered notified  and received by the Bank, and shall be binding and considered evidence against the Bank upon such receipt, so as sent to the Bank  on the mentioned address shall be considered as such, and the Bank hereby waives its right to raise any objection in this regard, including the rebuts that the notices are invalid before any entity, and this shall be considered a non-reversible, irrevocable waiver of such right by the Bank.
45. The Bank undertakes to notify the Customer in writing of any change of the Banks’s address as provided in this application; otherwise, the address provided herein shall be considered the approved legal address for all the correspondences and transactions resulting from this application or pertinent thereto, including notarized notices and the service of notices relevant to judicial notifications.
46. The Customer authorizes the Bank, as per its discretion, to overdraw the Account, to restrict the interests payable to the Bank on the account, to credit the account with the values of promissory notes, cheques, and any other of the Customer’s documents or papers that are in the possession of the Bank, whether those for collection or in any other form, and to credit the Account with the balance of any other account opened in the name of the Customer with the bank or with any other branch thereof as a coverage or an insurance for the payment of all the obligations of the Customer towards the Bank, and the Bank shall have the right to set off the balances of all the accounts opened in the name of the customer with the bank, including the accounts open in any other currency, and over drafting the account, whether by the withdrawal therefrom or by making entries thereto shall not be considered as a consent by the bank to grant overdraft / uncovered facilities, but rather a privilege given by the bank to the customer which shall be paid within a period of no more than thirty days from the date of any overdraft.
47. In case the Customer received any banking facilities of whatever nature, and in case of nonpayment, the Bank shall transfer such amounts to the cash guarantees account, in order to ensure the payment of the Customer’s granted loan, and the Customer fully authorizes the Bank to charge its account with any amounts due on the Customer in addition to the debit interest and any other expenses after the Bank has requested repayment of the outstanding amounts due to the Bank; such obligations shall be set off against the cash amounts seized in the cash guarantee account in return of banking facilities without referring to the Customer and without the need to give any notice or any other prerequisites, and the Customer is not entitled to object against such measure, being a legal measure for which the same has given prior approval, and the Customer acknowledges that the cash guarantee account is an internal account of the Bank, of which the same many not dispose of, and the same is for the order, and in the name of the Bank and / or in the name of the bank / the name of the Customer.
48. The Customer hereby freely gives the Bank consent to collect, use, disclose, share, transfer and process his personal information / data set out in his application form, account opening documents and / or otherwise provided by him or possessed by the bank, for one or more of the purposes as stated in the Bank’s privacy policy [https: / / ahli.com / privacy-policy], which in summary includes but is not limited to the following: A) processing applications for and providing the Customer with the services and products of the Bank as well as services and products by external providers provided through the Bank. B) administering and / or managing the Customer’s relationship and / or Account(s) with the Bank. C) sending the Customer marketing, advertising and promotional information about other products / services that the bank, the bank’s affiliates, business partners and related companies may be offering, and which the bank believes may be of interest or benefit to him (“Marketing Messages”), by way of postal mail , telephone, text message, electronic mail, facsimile or other mean (as set out in any application form, account opening documents and / or otherwise provided by the Customer or possessed by the bank); (collectively the “Purposes”).
49. The Customer hereby acknowledges and agrees that its personal data may / will be disclosed by the Bank to its third-party service providers or agents (including its lawyers / law firms), which may be sited outside of Jordan and the European Economic Area (EEA), for one or more of the Purposes, as such third-party service providers or agents, if engaged by the bank, would be processing the Customer’s personal data for the Bank for one or more of the Purposes.
50. By signing these Terms and Conditions, the Customer give its explicit consent as is required under the applicable legislation for this processing.
51. The Customer hereby acknowledges and agrees that the Bank shall process the Customer’s personal data by means of automated reading, verification of the authenticity and other automated processing of photos and scanned copies of documents and with further check against the data in multiple databases, including inter alia International politically exposed persons (PEPs) and Sanctions, Country Specific Sanctions Lists, Criminal Lists and Financial Lists.
52. The consent for the processing expressed hereby covers the following operations: collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
53. The Customer hereby represents that it has been informed of the fact that its biometric personal data will be processed, and it hereby gives his voluntary, unequivocal and informed consent hereto.
54. The Customer hereby represents that it has been informed about its right to: A)withdraw its consent to personal data processing at any time, if it does withdraw its consent, this will not affect any processing which has already happened, or any other processing of its data not in relation to this consent but will mean that the Bank will stop processing its data for the purposes outlined above. B) access and adjust its personal data. C) make a justified demand in writing for the blocking of the processing of its data due to situation. D) object to the processing of its personal data. E)object to the transfer of his personal data, including the right to object to engaging any of the Bank’s contractors to processing his personal data. F) object to being subject to a decision based solely on automated processing / profiling G) make a justified demand in writing to erase his personal data subject to applicable laws. H) all which rights may be exercised by contacting the bank at No (06-5656300).
55. The Customer understands that if it is dissatisfied with how the Bank uses its data, it can make a complaint to any government body in charge.
56. All messages whether, registered and / or standard and / or sent by facsimile and / or microfilm and / or scanned and / or SMS extracted by the Bank for its records, books, accounts and the contents of its files are considered legal evidence, in which the borrower / client and the guarantor(s) waive beforehand any legal right that allow them to appeal and / or require a conclusive oath from the Chairman and the Board of Directors members of the Bank, its General Manager or any of its employees.
57. The Customer hereby represents that it has carefully read and understood all the above provisions and does voluntarily and unequivocally agree with them.
58. The Bank shall abide by the provisions of the Temporary Law on Governmental Appropriation of Lapsed Monies No. 35 of the Year 85 and its amendments or replacements.
59. Customers’ Complaint Resolution Unit (the “Unit”) shall be considered the sole reference for reviewing and processing the complaints of the Customer, and in case of any complaint, the Customer may contact the Unit though various communications means, whether through appearing in person in the office of the unit, or through paper or electronic mailing services.
60. These terms and conditions shall be subject to the laws of the Hashemite Kingdom of Jordan, and in case of any conflict and dispute between the parties, the Court of Amman, Palace of justice shall be the competent court as regards to any case or claim from the side of the Customer against the Bank, or from the side of the Bank against the Customer; and the Bank may, upon its absolute discretion, recourse to any court inside or outside the Hashemite Kingdom of Jordan, if it so desires, with regard to the place of residence of the Customer, the relevant branch, or the place where monies of the Customer exists is in a foreign jurisdiction, and the Customer shall bear all the fees, legal expenses, and attorney fees in case the Bank raised a lawsuit of any claim relevant to the Account and the Customer hereby absolutely and irrevocably authorizes the Bank to charge the same on the Account of the Customer.
61. These terms and conditions shall apply to all juridical persons, e.g., companies, associations, institutions, municipalities, and any other artificial (juridical) person in accordance with the provisions of the law.
62. The instructions issued by the Central Bank of Jordan regarding the Financial Consumer Protection Instructions No. (18/2018) and the Rights of Persons with Disabilities Law No. (20) of (2017) shall be apply.
63. The Bank is not responsible for cashing the cheque / cheques due to errors or omissions and / or the incorrectness of the data provided to the Bank by the Customer.
64. To notify you in writing of the cancellation or suspension of any order issued by me / us to cash the cheque / cheques.
65. In the event that a request to reserve an amount (insurances) is not submitted for the purposes of stopping the cash disbursement and / or there is not enough balance available in the account, then it is understandable to me that I will be notified for the purposes of including my name on the list of returned cheques unit unless I provide the bank with what was stated in term (18) above.