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I hereby acknowledge the following

‐ That the Terms and Conditions shall be the prevailing terms and conditions applicable to me and shall supersede any terms and

conditions provided to me.

‐ That Commercial Bank may, from time to time, amend these terms and conditions, and any other applicable terms and conditions, at its

sole discretion and I shall at all times be bound by the Terms and Conditions and any amendments made thereto and notified to me by

mail or posted on Commercial Bank’s website www.cbq.qa

‐ That these Terms and Conditions (or their related products and services) have been executed in Arabic and English and in case of any

discrepancy between the two texts, the Arabic text shall prevail.

‐ All information provided by me to Commercial Bank from time to time is true and correct at this date and in the event such information

shall change I undertake to immediately inform Commercial Bank and provide any documentation or other evidence required pursuant

to such change.

‐ I acknowledge that I shall be entitled to apply for these products and services through electronic channels. Any application of this kind

shall be deemed to be genuinely requested by me or on my behalf with my knowledge and authority and Commercial Bank shall not be

liable for verifying any such electronic applications for products or services, and I will not be required to sign any additional paper

documents accordingly.

‐ The prevailing terms and conditions applicable to products and services applied for through electronic means shall be available on

Commercialbank’s website and subject to change at any time at the discretion of Commercial Bank.

‐ Pursuant to Qatar Central Bank requirements, I acknowledge that I shall be registered for SMS Banking as provided by

Commercial Banklinked to my mobile number as mentioned in the application form.

‐ Commercial bank may opt to send me all statements of accounts and credit card to my e-mail or through Commercial Bank’s Retail

Internet Banking facility and paper statements shall only be provided on request.

‐ The official address for Communications is: The Commercial Bank of Qatar (Q.S.C.), Main Branch, Grand Hamad Street, P.O Box

3232, Doha, Qatar

If you are a Sadara customer, then the following additional terms and conditions and any other

relevant terms and conditions relating to Sadara shall apply:

a) That we have the right to convert any of your regular accounts with us into Sadara accounts.

c) That we may terminate any of your Sadara accounts, services or facilities at any time if our

required minimum qualifying criteria is not met for six (6) consecutive months.

d) That if your Sadara membership is terminated at any time for whatever reason, your Sadara

accounts and other services and facilities will be converted into regular accounts, services

and facilities and shall be subject to our regular interest rates, fees and charges.

e) You undertake to conduct your banking affairs in good faith at all times and upon termination

of your Sadara membership return to us all related materials including but not limited to

chequebooks and cards.

f) The Bank shall be authorized (but not obliged) to rely on and act in accordance with any notice,

demand or other communication relating to any transaction which has been issued or expected

to be issued from time to time through telephone, facsimile, telex, email or any similar electronic

means by the customer or his representative after inquiring about the authority or identity

of the person who has issued or expected to issue such notice, demand or communication.

The customer shall pay all banking fees and expenses resulting from using such electronic

means whether incurred by the Bank or any correspondent bank and the Bank shall not be

or communication.