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We are aDCB

Long Live Ambition.

With headquarters in the UAE’s capital Abu Dhabi, ADCB (Abu Dhabi Commercial Bank) provides a full range of banking solutions to corporate, retail and commercial clients, and offers services in the areas of treasury derivatives, infrastructure finance, private banking and wealth management.

Long Live Ambition. That’s our philosophy; and it truly reflects our dedication to rewarding ambition – and helping you make the most of having achieved yours.

Ambition provides the motivation and determination to achieve goals. That’s why we believe ambition should be rewarded – as should its results. It underpins everything we do, and can be seen in the portfolio of products and services we offer to our clients.

Your wealth journey is a journey we wish to take with you so that we can ensure it is prosperous, its rewards are well-preserved and it is as enjoyable as possible.

“ Long Live Ambition.ThaT’s our philosophy; and iT Truly reflecTs our dedicaTion To rewarding ambiTion – and helping you make The mosT of having achieved yours”.

Excellency 01

ADCB

ExcEllEncy

Welcome to a Wealth of

opportunities

02 Excellency

ProsPEr. PrEsErvE. Enjoy. ADCB Excellency lets you take full advantage of the plentiful opportunities wealth affords.

We are the wealth professionals, with enormous local and international experience; we also place great emphasis on integrity and honesty, so there is no better place to receive truthful, expert opinion on how to make the most of your wealth.

But before we provide any guidance, we make an investment ourselves – taking the time to get to know you and to understand your needs completely. ADCB Excellency is a wealth management proposition, at the heart of which is your own Relationship Manager and tailor- made banking and lifestyle services for you and your family.

At ADCB Excellency, we are dedicated to exceeding your expectations at every stage of your wealth journey; whether you are looking for future prosperity, to preserve your wealth, or simply to enjoy it.

Your wealth. Your opportunitiesAs an ADCB Excellency client, the wealth of opportunities offered to you is second to none. Our team of investment counsellors, led by your Relationship Manager possesses specialist expertise that is employed to meet your specific needs, no matter how these change over time.

In order to meet your requirements, we take the time to understand exactly how you wish to prosper, preserve and enjoy your wealth – and then offer and tailor products just for you.

“ ADCB ExCEllEnCy lets you take full advantage of the plentiful opportunities wealth affords”.

a wEalth of bEnEfitsYour Excellency Relationship Manager provides you with access to a wealth of opportunities to prosper, preserve and enjoy your wealth. In addition, our Excellency Centres – exclusive to Excellency clients – are available to you, and give you face-to-face access to your Relationship Manager, as well as a host of select products and services.

Your dedicated Relationship Manager

With membership of ADCB Excellency comes your own highly knowledgeable and astute Relationship Manager who will provide you with guidance on how to utilize your wealth to the fullest. Your Relationship Manager is not only on hand to guide your portfolio choices, but also your day to day banking requirements – leaving you to focus on your life, your business and your family.

Your Excellency Centres

ADCB Excellency Centres are discreet, comfortable and convenient; the ideal place to meet your Relationship Manager. Excellency Centres are located at the main ADCB branches throughout the UAE and are always ready to welcome you, whether you’re carrying out banking transactions, conducting meetings or business – or if you simply wish to relax.

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Excellency

ProsPEr

a wealth of opportunities to

04 Excellency

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a wEalth of oPPortunitiEs to ProsPEr

wEalth DEsigntM

At ADCB Excellency, we believe that wealth should be enjoyed, and that you should be as involved as you desire to be. That is why we have created Wealth Design – a unique financial management proposition designed specifically to provide individually tailored investment solutions.

Wealth Design recommends a wide range of funds to help you build a diversified portfolio based on products spread across the world and across a broad range of securities. Offering access to over 20,000 funds from mixed asset classes – including fixed income funds, established and emerging markets, real estate, equity funds, commodities, hedge funds and balanced funds – Wealth Design ensures your portfolio is as unique as you are.

Of course, Wealth Design also offers different management styles for your portfolio, so if you’d prefer to take a less ‘hands-on’ approach we can take care of your investments to as large a degree as you wish.

unit linkED savings PlansFull flexibility is offered by our range of unit linked savings plans. Provided by our international partners, these plans allow you to invest in financial markets on a set basis with an amount of your choice, with potential returns being based on the performance of the funds you choose. Regular savings plans offer you the benefit of dollar cost averaging potentially reducing the risk of investing in volatile markets. With a unit linked savings plan you also have the option of adding elements of insurance to the plan which can be used in the event of death or an incapacitating illness. Just as with other Excellency products, the uncomplicated option of automatic standard instruction is possible.

luMP suM savings PlanIf you have capital available and want to make use of it in the future, a lump sum savings plan may be offered by your Relationship Manager. These savings plans, made available by our trusted partners, are short to medium term plans in which you make a single premium payment, which is invested at the beginning of the plan to meet a specific future objective. These plans offer you portfolio diversification and to make switches and redirection of your investments in line with market movements and in line with your evolving needs and objectives. In addition to being cost-effective, the plans are portable between countries and flexible enough to meet your needs as circumstances change.

systEMatic invEstMEnt PlansSystematic Investment Plans (SIPs), managed by ADCB, let you benefit from dollar cost-averaging while enjoying the convenience of automatic contributions through your Excellency current account.

An SIP allows you to save in an uncomplicated, stress-free manner, investing a fixed amount of money periodically and taking advantage of market movements over a medium- to long-term period. An SIP lets you split the total investment amount over a set period at regular intervals over a longer period.

aDcb brokEragE solutionsOur brokerage solutions from Al Dhabi Brokerage and ADCB Wealth Management Trading Desk provide an expansive network of local and international traders, giving you a comprehensive global choice of equity and fixed income markets.

The ADCB Wealth Management Trading Desk has no proprietary book, so its role as intermediary between purchaser and seller is fulfilled with complete impartiality.

One of the leading UAE licensed brokerage houses, Al Dhabi Brokerage is a wholly-owned subsidiary of ADCB that offers trading facilities on the Abu Dhabi Securities Exchange and the Dubai Financial Market, both online and through offices located across the Emirates. As an ADCB Excellency client, you can also take advantage of fixed income trading capabilities, allowing you to periodically benefit from your investments and enhance your current position by taking a sustainable income. Talk to your Relationship Manager, visit www.adbtrade.com or call 800 DEAL (3325) for more information.

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Excellency

ProsPEr

” Wealth Design – a unique financial management proposition designed specifically to provide individually tailored investment solutions“.

Excellency 07

local anD rEgional Equity funDsOur in-depth understanding of the Middle East, and the support of an insightful advisory committee, means we’re always able to find the best opportunities for you to prosper from your wealth in the local and regional markets.

ADCB Managed Funds track market fluctuations and offer you access to the UAE stock market and the wider Arabian markets.

The ADCB MSCI UAE Index Fund invests in the UAE’s entire, diversified market and tracks the MSCI UAE Index, making it as dynamic as the country’s economy, while the ADCB Arabian Markets Index represents an exciting and vibrant investment destination – the opportunity to invest in an optimized selection of companies reflecting the regional market dynamic and offering benefits from a multitude of emerging markets and sectors.

The Al Nokhitha Fund primarily invests in the UAE market and holds a diversified portfolio of equities across a variety of market sectors. The broad diversification of investments it holds offers greater security, which means a higher level of flexibility is afforded by daily liquidity for subscription and redemption.

DisclaimerInvestment products are not bank deposits and are subject to investment risks, including possible loss of principal amount invested. Please refer to ADCB Terms and Conditions for Investment Services.

Excellency

PrEsErvE

a wealth of opportunities to

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Excellency

PrEsErvE

“ WhilE WEAlthBrings ConsiDErABlE Comfort, true peace of mind comes from knowing that you and your family are protected, no matter how your circumstances change”.

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a wEalth of oPPortunitiEs to PrEsErvE

wEalth PrEsErvation ProDuctsThe best possible education for your children; protecting personal income; planning for retirement; providing a dream wedding: whatever your plans are for you and your family, Excellency offers a full spectrum of wealth preservation products, each of which can be completely tailored to match your requirements, no matter how much they may change.

Our wide savings product portfolio contains products from globally - recognized investment houses and insurance providers, both conventional and Shari’ah-compliant and which meet your risk appetite.

insurancE anD ProtEction We can provide term life insurance, whole of life insurance, personal accident insurance, critical illness cover and auto insurance – and, as with all our services, we’ll take time to understand exactly what you need in order to offer the most suitable protection for you and your family.

In addition to being comprehensive, your options for wealth preservation are convenient, with the possibility to set an automatic debit instruction and to enjoy coverage even if you leave the UAE.

guarantEED savings PlansFrom some of the most internationally recognized product providers, Excellency offers guaranteed savings plans. Whatever your aspirations for the future are our traditional capital guaranteed savings plans can help you achieve them.

For example, with a guaranteed savings plan, if you invest $1,000 per month over 5 years ($1,000 x 12 x 5 = $60,000), you will be guaranteed to redeem $60,000 back at the end of the 5 years plus a guaranteed rate of return over your guaranteed capital, even if the underlying investment performs with negative growth. You would also have the potential to earn Excess Return if the underlying investment yields higher returns than the guaranteed rate.

We also provide a range of non-investment-related products such as fixed deposits, online saver accounts and children’s savings accounts which have a confirmed interest rate, with no dependence on market performance or underlying securities.

structurED ProDucts anD MarkEt linkED accountsTotal flexibility is offered by our comprehensive range of structured products, allowing you to satisfy your risk appetite while enjoying the protection of guaranteed capital. Structured products can offer you a safe and secure investment vehicle with variable tenures and can be linked to a variety of underlying securities.

DisclaimerInvestment products are not bank deposits and are subject to investment risks, including possible loss of principal amount invested. Please refer to ADCB Terms and Conditions for Investment Services.

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Excellency

ENJOY

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Excellency 13

a wEalth of oPPortunitiEs to Enjoy

ExclusivE to ExcEllEncy cliEnts: thE visa infinitE crEDit carDThe Visa Infinite credit card – enjoy access to the finer things in life

Exclusive and complimentary to our Excellency clients, the Excellency Visa Infinite Credit card gives you easy access to the finer things in life, no matter where you are. The Excellency Visa Infinite Credit card is designed to meet the highest expectations offering exclusive elite services and superior benefits.

The Excellency Visa Infinite credit card benefits include access to a complimentary Concierge service that offers a wide range of services locally and internationally, a multitude of Insurance features such as Multi-trip Travel Insurance, Extended Warranty, Medical and Legal Referral services and Credit Shield that offer enhanced protection and care in case of critical illness, disability, death and involuntary loss of employment.

Using your Excellency Visa Infinite Credit card also makes every travel experience much more pleasurable, giving you complimentary Golden Class and Marhaba Diamond services, Priority Pass membership cards with complimentary access to over 600 VIP lounges globally and access to the elite Diamond Air Services each time you travel.

A constant stream of offers adds to the allure of the Excellency Visa Infinite Credit card; these can include discounts of up to 75% on hotel stays, complimentary green fees at some of the finest golf courses in the world, VIP status at selected luxury hotels and special offers on cinema visits. For detailed and updated information on benefits and special offers, please visit www.visainfinitecard.com

DisclaimerTerms and conditions apply. Issuance of credit cards is subject to credit checks.

ExclusivE to ExcEllEncy cliEnts: furthEr lifEstylE bEnEfitsEducational and lifestyle prosperity

At Excellency we understand that wealth is about more than money. That’s why as an Excellency client you’ll enjoy benefits that enhance your lifestyle, and your ability to make the most of your wealth in the future.

Excellency educational seminars and events let you learn about topics relevant to you in an intimate, comfortable setting with experts from within and outside ADCB. You may wish to discover more about investments, future planning or Islamic banking, in order to learn more about how you can prosper, preserve and enjoy your wealth.

You will also be invited to some of the UAE’s most popular events that we believe will interest you the most. You may be an avid follower of motor racing or a huge music fan; perhaps you love cinema premier shows or new car launch previews; or maybe Ramadan Suhoor dinners are one of your greatest pleasures – whatever you love most in life, Excellency experiences are often those that money cannot buy.

We also offer retailer benefits and exclusive offers from partner brands, so that as an Excellency client you receive lifestyle value.

A further option for enjoyment comes in the form of Excellency’s own quarterly magazine, which includes topical features and articles, covers current affairs, and delivers commentary on financial markets.

ExclusivE to ExcEllEncy cliEnts: MortgagEs anD crEDit facilitiEsCredit facilities for instant liquidity*

A further exclusive benefit you can enjoy as an Excellency client is access to credit facilities offered against a variety of products to provide instant liquidity.

An Excellency mortgage brings the benefit of an overdraft that only levies interest when you use it; in addition, the overdraft can be used as a normal current account, with a maximum tenure of 15 years. Overdrafts are also available against a fixed deposit, and a facility of up to 90% of the deposit amount can be taken. The processing fee for the set up of an overdraft facility for Excellency clients is also waived.

Excellency also offers high loan-to-value mortgages of up to AED 15 million, with repayment periods up to 25 years, with preferential processing fees and accelerated application processing. Up to 85% of the property value can be borrowed.

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Enjoy

14 Excellency

coMPliMEntary lifE insurancE with covEragE of uP to aED 100,000With protection comes peace of mind. That’s why Excellency clients receive life insurance with international coverage of up to AED 100,000.

*Terms and Conditions apply.

our thank you to you:touchPointsTouchPoints – the loyalty scheme that thanks you for using our servicesTouchPoints is the ADCB bank-wide loyalty program that rewards you every time you use one of our services or products. TouchPoints earned can be redeemed for vouchers for many of the UAE’s premium retailers, or for Emirates Skywards miles or Etihad Guest miles. As an Excellency client, you earn more TouchPoints per dirham spent and receive preferential redemption rates when redeeming your points. See www.adcbtouchpoints.com for more information on how to earn and redeem TouchPoints.

thE convEniEncE of an ExtEnsivE nEtworkWith ADCB Excellency, you’ll find banking has never been so easy and convenient. Excellency clients enjoy full access to:

6 exclusive Excellency Centres located conveniently across the UAEThe ADCB network of over 50 branchesMore than 280 ADCB ATMs (including over 50 cash deposit machines) across the UAEADCB@ctive, our full service online banking facility – in addition to paying your credit card, setting up fixed deposits and sending money abroad at exclusive rates, you can also take advantage of wide range of other facilities that are available, such as paying utility bills, topping up your account for Salik, paying Zakat donations or your children’s school fees.Telephone banking with the 24 hour Excellency Communication Centre – exclusively for Excellency clientsMobile banking that lets you make many banking transactions using your mobile phone. (See page 24 for a full list of transactions possible).

” ExclusivE and complimEntary to our ExcEllEncy cliEnts, the excellency Visa infinite credit card givEs you Easy accEss to thE finEr things in lifE, no mattEr whErE you arE”.

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international

services

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Excellency

intErnational banking

lEaDing intErnational banking sErvicEsAt Excellency, we also cater to the specific needs of non-resident Indians (NRIs). Your Relationship Manager and our close partnerships with two of India’s leading banks ensure that, whether you are simply sending money home or wishing to complete an in-country business transaction, your wishes are carried out with maximum efficiency and convenience.

If you are an Excellency client living outside your home country, our wealth management services offer access to many of the best local and international investment and protection products through partnerships with some of the largest and most respected fund houses in the world. These include products offered through our Islamic banking arm, giving you access to Shari’ah-compliant solutions.

For non-resident Indians (NRIs) we are proud to offer a range of NRI Banking facilities, and comprehensive Global Wealth Management products and services right here in the UAE. To offer this, ADCB NRI has tied up with two premier banking institutions in India – Axis bank, and Kotak Securities to ensure seamless banking experience within the UAE and India.

While our alliance with Axis Bank offers a wide range of banking products for our NRI clients, our alliance with Kotak Securities offers complete financial solutions for your every investment need in India.

axis bankAxis Bank offers a wide range of retail banking products including Transaction Accounts, Fixed Deposits, Global Debit Cards, Multi Branch banking facilities, and Home Loans in India.

kotak sEcuritiEs as Part of thE kotak MahinDra grouPKotak Mahindra group is one of India’s leading financial conglomerates, offering complete financial solutions for your every investment need back home in India.

For ease of investment, Kotak Mahindra Group brings you two unique products, on a repatriable and non-repatriable basis

The Freedom Account, is a simple and user-friendly online platform that makes investing in INR Mutual Fund schemes easy.

The Trinity Account, an exciting service which provides easy online access to Indian capital markets, you can also invest in securities listed on the Indian Stock Exchanges (BSE and NSE) or subscribe to an Initial Public Offer (IPO).

nri hEalth insurancEExcellency also offers comprehensive health insurance coverage for NRIs across major hospitals in India – the first-of-its-kind. The plan has absolutely no medical requirements, is open to NRIs aged up to 60, with renewal possible up to the age of 75, and provides cover of upto Rs. 500,000. Now, whenever you travel back home, you can do with the reassurance of full cover, and so can enjoy the company of family and friends, the calm of a holiday, or the pleasure of doing business; without distraction.

The benefits provided by ADCB Excellency NRI health insurance include:Hospitalization coverSurgeon, consultant, anesthetist and specialist feesMedicines and drugsEmergency ambulance chargesCover of pre-existing conditions after 36 months from policy commencementPre-hospitalization

Please ask your Relationship Manager for full details of ADCB Excellency NRI health insurance.

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Excellency

islaMic banking

banking

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shari’ah coMPliant ProDucts with ExcEllEncy-lEvEl bEnEfitsAt Excellency we offer a comprehensive selection of Islamic Banking solutions to all our Excellency clients. We’re committed to ensuring that your beliefs are fully respected and your banking requirements are met. Hence, our Islamic Banking solutions provide the highest levels of quality, service and convenience, in addition to full Shari’ah compliance.

Our suite of Islamic Banking solutions is available to Excellency clients at our six Excellency Centres, as well as in all ADCB branches across the UAE. Every product and service is regulated by the UAE Central Bank and supervised by an independent Fatwa and Shari’ah Supervisory Board.

accounts anD DEPositsIslamic Current Account

The Islamic Banking current account is based on Wadi’ah Bed-Dhaman (the Shari’ah compliant safekeeping of funds) and provides straightforward daily banking with a high-quality personalized service.

Savings, Special Savings and Millionaire Destiny Savings Accounts

ADCB Islamic Banking works with you within a Mudaraba partnership to enhance your financial security through a choice of attractive savings account options. With Millionaire Destiny Savings Account, you get multiple chances of winning AED 1 Milion.

Term Investment Deposits

The Mudaraba partnership also forms the basis of the ADCB Islamic Banking Term Investment Deposit, where your investment is placed in a common Mudaraba pool and is invested in strict compliance with Shari’ah teachings to generate the best possible returns. A flexible investment tenure structure gives you financial freedom with the best possible security.

Wakala Investment Deposits

The Wakala Investment Deposit sees a master Wakala agreement signed by the Muwakil (the investor) and the Wakil (the bank). The Muwakil appoints the Wakil as an agent in order to invest in Shari’ah-compliant investments on his or her behalf at projected profit rate, which is paid along with the principal on maturity.

Regular and Lump Sum Takaful Investment Programmes

Our Takaful and savings programmes offer financial assurance through a Shari’ah-compliant savings strategy, which gives you the option to commit to regular contributions or make a lump sum investment.

You will also enjoy protected savings through the dynamic protection program feature subject to a minimum savings tenor of 10 years.

financE ProDuctsYaqeen Salam Personal Finance

The retail cash finance product of Yaqeen is structured under the unique concept of “Bai Al Salam” and considered to be the most trusted Islamic personal finance available.

Under “Bai Al Salam”, a sale contract is created where the customer undertakes to deliver a specified tangible asset to the buyer at mutually agreed future date in exchange for an advance price, fully paid at spot by the buyer.

Murabaha Auto Finance

Murabaha auto finance lets us work together to provide you with your desired car, and delivers attractive profit rates with a smooth approval process.

Ijarah Home Finance

Ijarah home finance – for completed properties and for properties under construction are offered to our Excellency clients in order to help them secure the right home for them.

UAE Construction Home Finance

If you are a UAE national and an Excellency client, our UAE Construction Home Finance can provide home finance options that supplement government finances, helping you to buy or build the home of your dreams.

Credit Card

This Islamic Credit Card allows you to take advantage of a host of exciting features and benefits, while enjoying the reassurance of using a card based on the fundamental belief of responsible banking.

DisclaimerInvestment products are not bank deposits and are subject to investment risks, including possible loss of principal amount invested. Please refer to ADCB Terms and Conditions for Investment Services.

Terms and Conditions apply. Granting of credit facilities is subject to credit checks.

Excellency 19

Day to Day bankingAs with all aspects of Excellency, our day to day banking services are flexible and focused completely on you.

Becoming a member of Excellency is possible by meeting certain requirements in conventional banking, through using Islamic banking products, or by subscribing to the ADCB Etihad Guest current account range. Meeting the relationship balances in any of these three product ranges makes you eligible to join Excellency and if you take advantage of our conventional banking or Shari’ah-compliant banking, we offer you TouchPoints to thank you for your loyalty. In addition, if you choose the Etihad Guest account, you will be rewarded with Etihad Airways Guest miles, giving you even more choice of how you’d like to be rewarded for banking with us.

PrEfErEntial Pricing for ProDucts anD sErvicEsAs an Excellency client you are also eligible to benefit from our competitive rate structures and receive preferential interest rates when fixed deposits are made through ADCB@ctive. You’ll also benefit from preferential rates on foreign exchange transfers made through ADCB@ctive.

Additionally, Excellency clients receive discounts and fee waivers on a range of products, such as overdrafts, and are given preferential pricing on credit cards and increased credit limits (subject to Terms and Conditions; please speak to your Relationship Manager for more details).

ExcEllEncy – thE invEstMEnt ProfEssionalsAt Excellency, what sets our investment professionals apart is their understanding of your specific needs and their commitment to providing you with the products that meet those needs.

Our in-house team is from around the world and brings together years of experience to ensure that we deliver solutions that are credible and relevant to you.

currEnt account anD DEbit carDThe Excellency Premium debit card provides yet more exclusive benefits to our Excellency clients, including high daily withdrawal amounts of up to AED 20,000. You also earn TouchPoints, which can be redeemed for vouchers valid at many of the UAE’s premium retailers, and will earn double points when spending outside the UAE.

EtihaD crEDit anD DEbit carDsOur partnership with Etihad Airways means you’ll collect Etihad Guest miles while you bank. While Etihad Guest accounts reward you with Guest Miles for maintaining balances, your Etihad Guest Above debit card linked to this account also earns you Guest Miles every time you use it.

With an Etihad Guest Above credit card the points also accumulate with use, with more points being awarded when you use it outside the UAE. The card comes with myriad benefits, such as welcome bonus miles and access to Etihad Guest lounges in airports.

Excellency clients also receive a discount on the usual fees for the Visa Infinite credit card, which offers easy access to the finer things in life.

fixED DEPositsAs an Excellency client, you’ll receive exclusive, preferential rates on fixed deposits, which can be set up online or through your Relationship Manager, and offer tenures lasting from seven days to one year.

loansWhatever your needs, ADCB can offer instant liquidity through a personal loan, Smart Loan, an Ambition Loan to help you reach your next education goal or a car loan to make upgrading more manageable. As an Excellency client you are entitled to express application approvals and highly favorable rates.

Car loans for Excellency clients provide up to AED 500,000, offer a repayment period of up to 60 months, and can be used to finance up to 80% of a vehicle’s value.

safE DEPosit lockErsWe offer safe deposit lockers at six branches across the UAE, and as an Excellency client, they are made available to you at rates discounted by 50%. Normally available during office hours, the lockers can be accessed out of hours if required.

Terms and Conditions apply. Granting of credit facilities are subject to credit checks.

Excellency

Day to Day banking

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“ as with all aspects of excellency, our day to day banking services are flExiBlE AnD foCusED ComplEtEly on you”.

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hoW to Enjoy your WEAlth of opportunitiEsFlexibility is at the heart of Excellency, and membership eligibility also considers individual positions and requirements.

To prosper, preserve and enjoy your wealth, please see the requirements for membership below.

aDcb ExcEllEncy Eligibility critEriaMaintain a Total Relationship Balance1 of AED 500,000***OR

Maintain a Mortgage value of USD 1,000,000OR

Salary Transfer of AED 100,000 per month2

OR

Have either one of the following Bancassurance Products:

Lump sum of USD or above

Protection Plan Annual Premium of USD or above

Contractual Savings Plan Annual Premium of USD 8 or above

*** No fee will be charged for not maintaining the eligibility criteria; however, Total Relationship Balance will be reviewed quarterly and relationship will be transferred to Aspire/Privilege Club if eligibility criteria are not met.

1 Total Relationship Balance includes fixed deposits/investment value, current/savings/call (CASA) monthly average balance. 2 Salary transfer means the salary is transferred to any ADCB account by direct credit. Salary transfer does not include cash or cheque salary transfers.

Terms and Conditions apply.

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Excellency

Eligibility critEria

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24 hour Communication Centre

800 2004 (in the UAE) +971 2 621 0090 (if calling from outside the UAE) Email

adcbexcellency@adcb.com

Website

www.adcb.com/excellency SMS key words

Transactions Available Keywords_your account number_value of payment in AEDAbu Dhabi Distribution Company (ADDC) ADDC 12345678989 150Al Ain Distribution Company (AADC) AADC 12345678989 150Dubai Electricity Water Authority (DEWA) DEWA 123456789 150Sharjah Electricity Water Authority (SEWA) SEWA 123456789 150Etisalat Wasel Recharge TOPUP 0501234567 30Etisalat Wasel Renewal RENEW 0501234567 100Etisalat GSM GSM 0501234567 150Etisalat Dial Up Internet DIALUP 31300239 50Etisalat Telephone DEL 026962222 100Etisalat Al Shamil ALSHAMIL 490100001 149Etisalat E-Vision EVISION 800000040001 139

Compose a new SMS as per the sample message above and send it to 2626.

To use a specific account or credit card, add the last 6 digits of the account or credit card number at the end of the message.For example: TOPUP 0501234567 30 030001

Excellency

contact us

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