EASYBUYSTERMS&CONDITIONS

EASY BUYS TERMS & CONDITIONS

In consideration of First Gulf Bank (hereafter referred to as the Bank) agreeing to make
available the First Gulf Bank Easy Buys Plan (hereafter referred to as the Easy
Buys) to the Cardmember (as defined hereunder) at the Cardmembers request, the
Cardmember hereby agrees to the following terms and conditions.
1. Definitions
Under these Terms and Conditions, where the context so admits, the following
expressions shall have the meaning herein designated unless otherwise distinguished:
1.1 Bank means First Gulf Bank
1.2 Primary Cardholder means the person other than a Supplementary Cardmember
who is issued a Primary Card and to whom the card account is first opened by
the Bank.
1.3 Cardmember means the person for whose use the First Gulf Bank Visa and/or
MasterCard credit card is issued by the bank and includes the primary Cardmember
and any supplementary Cardmember.
1.4 Credit Card means the First Gulf Bank Visa Card and/or First Gulf Bank
MasterCard issued by the bank to the Cardmember and includes the basic,
supplementary
and replacement cards.
1.5 Credit Limit means the maximum debit balance permitted by the Bank and as
notified to the Cardmember from time to time.
1.6 First Gulf Bank Easy Buys Plan ((hereafter referred to as the Easy Buys), means
the installment to be granted to the Cardmember by the Bank against a
transaction he has made on the card of over AED 300 according to these Terms and
Conditions.
1.7 Statement of Account means the Banks monthly or other periodic statement of
account sent to the basic Cardmember showing particulars of the balance
incurred by the Basic Cardmember and the Supplementary Cardmember, if any, and
payable to the Bank.
1.8 Supplementary Cardmember means the person who is issued a Supplementary
Card.
1.9 Processing Fee means an upfront / back end fee that will be charged from the
Cardmembers Credit Card for processing of the Easy Buys.
2. Eligibility
1.1 The Easy Buys is offered to First Gulf Bank Primary and Supplementary Credit
Cardholder, (who meet the criteria determined by the Bank for this service and to whom
the offer to participate in such service has been communicated by the Bank.)

1.2 The Bank shall issue the Easy Buys requested by the Cardmember at its sole
discretion and reserves the right to refuse to issue a Easy Buys to any Cardmember
without revealing the reasons for such refusal.
3 Amount of the Easy Buys
3.1 The Easy Buys issued by the Bank shall not be on transactions less than AED 300
and in all cases the principal amount of Easy Buys should not exceed the
available Credit Limit on Credit Card (s) as on date of requesting.
3.2 The amount of the Easy Buys charged on the card will include the interest
component of the Easy Buys amount.
3.3 The Bank shall have the right to determine the amount of any Easy Buys it issues at
its sole discretion, provided that the same is within the limits described in Clause
3.1 above and does not exceed the amount requested by the Cardmember.
4. Billing and Repayment of the Easy Buys
4.1 The Easy Buys outstanding amount will be reflected in the next monthly statement
and will be added to the Outstanding Balance of the Credit Card.
4.2 The Easy Buys outstanding amounts will abide by the same Terms and Conditions
that are available in Clause 5 (Payments) of the Credit Card Agreement.
4.3 The repayment of the Easy Buys will be in equal monthly installments. The duration
(number of months) will vary depending on the offer.
4.4 The interest charged on the Easy Buys will be at a flat rate as decided by the bank
from time to time and will be levied upfront . No interest will be reversed on
premature cancellation of the plan.
4.5 The Easy Buys monthly installment amount will be part of monthly minimum payment
due.
5. Acceptance of Telephonic Instructions
5.1 The Cardmember authorizes the Bank to accept telephonic instructions given to the
Bank to issue the Easy Buys whenever the Bank receives a telephone call from
a person who identifies himself/herself as being the Cardmember.
5.2 The Cardmember agrees that the confirmation by the caller of the Cardmembers
identity, by provision of the personal details required by the Bank, will be sufficient
evidence for the Bank to identify the caller and to act upon his/her instructions.
5.3 The Cardmember hereby consents to the recording of such telephone calls by the
Bank and accepts such recordings as evidence before a court of Law or any other
legal proceedings with regards to all the particulars of the Easy Buys including, but not
limited to issuance of the Easy Buys, its amount, number of installments, etc.

The Cardmember consents to the use of such recordings by the Bank.

5.4 The Cardmember authorizes the bank to accept instructions pertaining to Easy Buys
received by a letter, telephone, internet, IVR, SMS, facsimile, or any other
channel introduced by the bank from time to time.
5.5 Any Default in payment of the installment amount shall be charged interest as part of
the card outstanding.
5.6 The Cardmember agrees that the Banks records pertaining to the Easy Buys will be
final and binding and that he/she shall not deny the validity of the transactions
made with relation to the Easy Buys.
6. Indemnity
6.1 The Cardmember agrees to hold harmless and indemnify the Bank against any loss,
cost, damage, expense, liability or proceeding incurred by the Bank by reason
of these Terms and Conditions or any breach thereof or as a result of it acting upon the
Cardmembers instructions.
6.2 FGB shall not be in breach of these terms and conditions or otherwise liable to the
Cardholder for any delay, non-performance, non-occurrence or failure with
respect to the promotion, which is due to an event of Force Majeure. In such an event,
FGB may cancel, terminate, modify or suspend the Promotion and terminate
these terms and conditions and FGBs obligation to the Cardholder is automatically
discharged without liability to FGB and necessity of FGB to provide notice to the
Cardholder. For the purposes of these terms and conditions, Force Majeure means a
circumstance beyond the reasonable control of FGB including amongst other
things, strikes or other industrial disputes, acts and/or regulations of any governmental
or supra national bodies or authorities in any jurisdiction (including without
limitation any charges to laws which could hinder, delay, restrict or prohibit the
promotion) or any transport, port or air disruption, Acts of God; hurricane, tornado,
or other weather conditions; labor strike, lockout or other industrial disturbance or; war,
riot, sabotage, act of public enemy or threat of any of the foregoing;
terrorist act or gang violence or threat of any of the foregoing; flood or other natural
disaster.
7. The Terms and Conditions herein shall be without prejudice to the existing First Gulf
Bank Credit Card Agreement Terms and Conditions governing the issuance and
use of the First Gulf Bank Credit Card which shall apply to the Easy Buys.
8. If at any time dispute arises in connection with either the Easy Buys or these Terms
and Conditions, the Banks decision in connection with the same shall be final
and binding. The Bank reserves the right to terminate the Easy Buys without prior notice.

9. The Bank may from time to time, upon giving prior written notice to the Cardmember,
change any provision of these Terms and Conditions at its sole discretion.
10. The Cardmember acknowledges that he/she has read the entire Terms and
Conditions and accepts to be bound by them. The Cardmember also agrees that his/her
usage of the Easy Buys establishes his/her consent to these Terms and Conditions.
11. The Terms and Conditions are governed by and shall be construed in accordance
with the laws of the UAE and the Cardmember hereby submits irrevocably to the
laws of the non-exclusive jurisdiction of the civil courts of Dubai. Such submissions shall
however not prejudice the rights of the Bank to bring proceedings against
the Cardmember in any other jurisdiction.
12. First Gulf Bank shall only be responsible for booking the CardMembers request for
Easy Buys on products/services offered by Suppliers.First Gulf is not and shall not
be considered as any time as the supplier of product/services available under the Easy
Buys program.
13. First Gulf Bank shall not take any warranty whatsoever (whether expressed or
implied) and undertakes no liability in respect of the quality or their suitability or
fitness for any purpose of service/products booked under Easy Buys.
14. Other terms and conditions apply.