1. The offer will be provided only during the Campaign Period between 1^st July 2025 to 30^th September 2025, both days inclusive.
2. The offer is available to all new clients of Standard Chartered Bank UAE, (hereinafter “the Bank”). Clients shall be eligible to earn Cash Back and Profit on Wealth$aver when they meet the requirements set out in these Terms & Conditions.
3. New to Bank clients are defined as clients who have not been Priority Banking clients of the Bank within the past 12 months and have opened accounts during the Campaign Period and/or do not hold existing Current and/or Savings Account and/or Term Deposit accounts with the Bank
4. Eligible Deposit Products include Current and/or Savings Accounts, including Saadiq variants. This excludes MortgageOne Account and SaadiqOne Account.
5. Assets under Management (“AUM”) is calculated as the sum of balances of all eligible Deposit Products, in AED or foreign currency equivalents.
6. Following Products subscribed during the campaign will be accepted to be part of AUM calculations for Cashback eligibility: Investments including Mutual Funds, Wrap products, Fixed income securities, Smart Savings Plans, Single premium insurance, including Investments held under Wealth Lending.
7. New Funds are defined as average balance brought in the account during the eligibility period that is maintained for 3 months following the month of account opening.

8. Campaign Offer: All New to Bank Clients who meet the minimum eligibility criteria set out below are eligible for the cashback and profit based on the below tiers, refer Table 1:

9. Standard and Special profit is applicable only on the Wealth$aver product subscribed during the campaign period.
   1. Standard Profit will be calculated on monthly basis and credited on the account at the end of each month.
   2. Special Profit will be calculated for all months and credited along with the Cashback for the eligible clients.
10. Cashback of AED 1,000 for Journey Credit Card will be paid when clients meet the minimum spend requirement of up to AED 10,000 in the first 60 days of card activation.
11. For more information on the Insurance Offer for New to Bank Clients refer to additional Terms and Conditions set out in Appendix 1.
12. Funding qualification and payout schedule refer to Table 2:

13. For Illustrations refer to Table 3 below:

14. 3 Month Profit/Hiba is calculated based on average balance maintained for a period of 90 days multiplied by the applicable rate per annum as highlighted in table 1.
15. In event of closure of any or all of the Account(s) prior to the expiry of the Campaign Period; no cash back and Special profit will be paid on the balance that was held in such account(s).
16. These terms and conditions are supplemental to the Client & Product Terms and Conditions
17. The Campaign and these terms and conditions may be amended and/or terminated at any time by SCB without prior notice and is not valid in conjunction with any other special promotion or other reward periodical campaign.
18. The profit payable under the Campaign will be applied to all eligible Clients automatically. If any eligible Client wishes to opt out of this Campaign, they may do so at any time by notifying their Priority relationship manager or Premium executive. A Client’s participation in the Campaign constitutes to his/her acceptance of the terms and conditions contained herein, as amended from time to time.
19. For Wealth$aver, Hiba is over and above the Mudarabah rate and is being offered by the Bank at its sole discretion. If there is no Mudarabah profit or (there is) loss, Hiba will not be paid.
20. The Bank shall not pay late payment charges or additional profit for any delay in giving the cashback and/or prize.
21. The Bank shall not be liable for any delay in giving the cashback and/or prize if such delay is because the client cannot be contacted.
22. Minor / Guardianship accounts are excluded from the campaign.
23. Transfer of funds from a client’s spouse, siblings, parents, or children’s accounts into the client’s account via internal transfer, cash withdrawal and deposits or transfers routed through other bank(s) will be excluded from New Funds calculations.
24. Setup of multiple family accounts will not be eligible under the campaign and will be excluded from New Funds calculations.
25. The Bank reserves the right to terminate the campaign and to vary or modify any of the terms and conditions herein from time to time. In case of disputes, the decision of the Bank shall be final and binding. Further, the Bank reserves the right to cancel or amend the campaign and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any anticipated law or regulation or any other event outside the Bank’s control. Any change to the campaign would be notified as soon as possible by the Bank. In the event of such change or termination, clients agree to relinquish their rights in respect to the campaign and acknowledge that they will have no recourse against the Bank.
26. The campaign and these terms and conditions are governed by the Laws of the United Arab Emirates and any disputes will be subject to the exclusive jurisdiction of the courts of Dubai.
27. Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on 800 4949 (Calling from overseas +971 4 403 9639), and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/

Appendix 1: Insurance Offer Terms and Conditions:

1. This Standard Chartered Bank Insurance offer (“Promotion”) is available from 1 July 2025 to 30 September 2025, both dates inclusive (“Promotion Period”).
2. By participating in this Promotion, you agree to be bound by these terms and conditions (T&Cs).
3. The signed applications must be received and accepted by Zurich International Life between 1 July 2025 to 30 September 2025, and policies must be issued on or before 15 October 2025.
4. Only regular premium life insurance products are eligible for this Promotion (International Term Assurance, International Decreasing Term Assurance, Futura, and Global Choice). The Wealth Accumulation plan and Critical illness protection plans are excluded from this offer.
5. To be eligible for the offer, clients must meet the minimum monthly premium requirements, as per the table below:

6. The redemption confirmation will be sent to eligible clients on their registered email address with Standard Chartered Bank, UAE, upon successful payment of the 3rd month’s premium as per the below table*:

*These are provisional dates and could vary depending on when premium collection is successful.

7. The eligible clients will have their devices handed over physically by their respective relationship managers and/or insurance specialist and/or via the Bank’s courier partner, whichever is more convenient and feasible.
8. This Offer is limited to one reward, as per the devices listed above, whichever is applicable as per the required qualifying criteria.
9. The corresponding reward is not transferable or exchangeable for cash, credit, or any other items in part or whole.
10. The Bank does not offer or provide any warranties or accept any responsibility or liability concerning the device given under this Offer.
11. The Bank and Zurich International Life are not responsible for any loss, damage and/or injury sustained by the client or any other person arising directly or indirectly from using the iPhone or iWatch device.
12. Apple / Whoop are not participants in or a sponsor of this program

Life insurance products are provided and underwritten by Zurich International Life (Zurich). Standard Chartered Bank U.A.E. distributes the Products on behalf of the insurance provider and earns a commission from the insurance provider from the sale of this product. Standard Chartered Bank does not offer insurance advice or underwrite or issue insurance policies. Standard Chartered Bank shall not be responsible for the insurance provider’s actions or decisions, nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy/insurance contract or in any manner whatsoever regarding your application or the contract of insurance.

This information is general and does not take into account a person’s individual circumstances, objectives or needs.