1.       Mercedes S63P AMG 4M Coupe 2019 Model and 1 KG of Gold Promotion ("The Promotion") starting from 1st September to 31st December 2019.
2.       Whenever "Ghina Account" is mentioned in this document, it means "Ghina Saving Account" or "Ghina Salary Account" (SPA).
3.       The Promotion is offered for the existing and the new ADIB Ghina Account holders.
4.       The Promotion enrollment and coupon calculation will be based on individual Ghina Account balance only.
5.       Grand Prize: - Mercedes S63P AMG 4M Coupe 2019 Model (one winner) and 1 KG of Gold (one winner) which will be presented at the end of the Promotion.
6.       The existing Ghina Account prizes promotion will continue functioning as per the existing term and conditions in parallel with this Promotion.
7.       The existing Ghina coupons will not be included in this Promotion
Eligibility Criteria for Existing Account Holders
1.       Closing balance of August, 2019 for Ghina Account will be considered as a Benchmark Balance.
2.       The account holder will earn one coupon monthly for every AED 50,000 incremental balance in the Ghina Account over and above the Benchmark Balance or its equivalent in foreign currency.  The coupon calculation will be based on month end closing balance.
3.       Coupon calculation will be based on month end balance. Balance movement during the month will not affect coupon calculation.
4.       If the Account Balance above the Benchmark Balance falls below AED 50,000 or its equivalent in foreign currency at any month end, then the account holder will lose all collected coupons if any. However, if in any subsequent month the account holder increases the month end balance over the Benchmark Balance by AED 50,000 or above or its equivalent in foreign currency, then the account holder will earn coupon as mentioned above.
Eligibility Criteria for New Account Holders
1.       For any new Ghina Account opened during the Promotion period (1st September, 2019- 31st December, 2019) following criteria will apply.
2.       The account holder will earn one coupon monthly for every AED 50,000 balance or its equivalent in foreign currency in the account. The coupon calculation will be based on month end closing balance.
3.       Coupon calculation will be based on month end balance. Balance movement during the month will not affect the coupon calculation.
4.       If the balance falls below AED 50,000 or its equivalent in foreign currency at any month end, then the account holder will lose all the accumulated coupons. However, if in any subsequent month the account holder increases the month end balance to AED50, 000 or above or its equivalent in foreign currency, then he/she will earn coupon as mentioned above.
General Notes
1.       ADIB at its sole discretion provides opportunities to win prize. ADIB reserves the right to amend, vary or cancel any prize in relation to the Ghina Account/ this promotion.
2.        This prize is not an Integral part of the Ghina Account, and awarding such prize shall not be construed as an obligation on ADIB.
3.       The prize is non-transferable and cannot be handed over, to a person other than the winner.
4.       ADIB reserves the rights, at its absolute discretion, to vary, delete or add to any of these Terms and Conditions from time to time.
5.       ADIB's decision and records regarding the prize will be final and legally binding.
6.       ADIB reserves the right to reject an application for opening a Ghina Account to any person at its sole discretion without having to provide any justification.
7.       Subject to the applicable Terms and Conditions, the prize granted to the winner account holder shall be exclusively from ADIB's shareholders funds at the sole discretion of ADIB
8.       The winner will be decided randomly in the presence of a representative from the Ministry of Economy of the Emirate where the draw takes place. Or as required by the rules and regulations of the said Emirate.
9.       The prize winner may be contacted by ADIB at the address provided in ADIB's records.
10.   The results of the prize draw shall be announced on (www.adib.ae ).
11.   ADIB may also announce the results of the prize draw through any other means of communication at its sole discretion.
12.   All other Ghina Term and condition and Banking Services Agreement shall be applied.
13.   Any provisions not stipulated in these Terms and Conditions shall be subject to the provisions of the Ghina Terms and Conditions and the  provisions of the Banking Services Agreement as amended, varied, replaced or superseded from time to time.

14.   These Terms and Conditions shall be governed by and construed in accordance with the Federal laws of the UAE as applied by Abu Dhabi courts to the extent that they do not contradict with the rules and principles of Shari's, as determined by the Fatwa and Shari's Supervisory Board of ADIB. Abu Dhabi courts shall have exclusive jurisdiction over any matter or dispute arising out of or in connection with these Terms and Conditions.