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Wealth Accumulation Plan
Personal Quote for Mr Pedro Alexandre Correia Melo Da Ascencao

Mr Pedro Alexandre Correia Melo Da Ascencao Wealth Accumulation Plan
Introduction
This personalised quote is specially prepared for Mr Pedro Alexandre Correia Melo Da Ascencao on 28 February 2023. Please check and ensure the information is correct.
This quote is valid for 90 days from the date above.
The current growth rate is projected in line with circumstances which are appropriate at the time of issuing this quote. The growth rate and limits could fluctuate over time
which could have an effect on the limits applied to the current quote. This document should be read in conjunction with the Terms and Conditions applicable for this
product where any term used will follow through the same definitions made in the Terms and Conditions.
Personal Details
Name Date of Birth Gender Smoker Role
Pedro Alexandre Correia Melo Da Ascencao 13 February 1977 Male No Life insured 1
Proposal Summary
The table below gives a brief summary of the main details of your plan.
Premium amount USD 350,000 single premium

Premium payment term Single Premium
Policy basis Single Life
Policy start date 01/3/2023
Policy term Whole of Life
Illustrative investment return 7%
Illustrative fund charge 1.5%
Investment advisor fee 0%
Establishment charge
The rate and period of the establishment charge for each premium is displayed in the table below:
Single premium
Year Establishment charge Surrender charge (start of year) Surrender charge (end of year)
Year 1 2.00% 5.75% 3.50%
Year 2 2.00% 3.50% 1.50%
Year 3 0.50% 1.50% 0.00%
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Illustrative values
This table illustrates what you would get back from your investment if it grew at 7.00% a year and after the deduction of fees and charges and based on the information
shown in this proposal.
In USD
End of policy year Total premiums paid to date Total withdrawals to date Fund value Surrender value
1 350,000 0 360,218 347,968
2 350,000 0 370,944 365,694
3 350,000 0 387,596 387,596
4 350,000 0 406,874 406,874
5 350,000 0 427,110 427,110
6 350,000 0 448,354 448,354
7 350,000 0 470,654 470,654
8 350,000 0 494,062 494,062
9 350,000 0 518,636 518,636
10 350,000 0 544,431 544,431
11 350,000 0 571,509 571,509
12 350,000 0 599,935 599,935
13 350,000 0 629,774 629,774
14 350,000 0 661,097 661,097
15 350,000 0 693,978 693,978
16 350,000 0 728,494 728,494
17 350,000 0 764,727 764,727
18 350,000 0 802,763 802,763
19 350,000 0 842,690 842,690
20 350,000 0 884,603 884,603
21 350,000 0 928,600 928,600
22 350,000 0 974,786 974,786
23 350,000 0 1,023,269 1,023,269
24 350,000 0 1,074,164 1,074,164
25 350,000 0 1,127,589 1,127,589

In USD
End of policy year Total premiums paid to date Total withdrawals to date Fund value Surrender value
26 350,000 0 1,183,672 1,183,672
27 350,000 0 1,242,545 1,242,545
28 350,000 0 1,304,345 1,304,345
29 350,000 0 1,369,219 1,369,219
30 350,000 0 1,437,320 1,437,320
If you encash your policy early you may get back less than you paid in. The growth rate(s) shown which have been chosen by you and/or your relevant financial
professional are purely for illustrative purposes and are not guaranteed in any way by Zurich International Life. For further clarity on the charges that could apply on your
policy, you may refer to the Illustrative Values Appendix which includes a zero growth rate illustration. Your final return will be based on the underlying fund performance
plus a number of factors such as early surrender penalties, ongoing product charges and exchange rates and may be lower than the illustrated figures. Please note that if
you select a money market fund or a fixed income fund, then the returns shown in the table could be considered high.

Privacy Notice
The personal information requested in this form is collected and used by Zurich International Life Limited (the Company) as Data Controller in line with the Data Protection
Policy.
Full details can be found online at https://www.zurich.ae/home/legal-and-privacy or contact us for a copy.
Customer declaration
I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. The
introducer, FAB, has informed me that these elements are not guaranteed and no verbal or written communication, electronic file or any other material that is different
from this illustration has been provided.
Note: the product has limited or no protection benefit.
Signature of applicant Signature of applicant 2 (if applicable)
\PO1\ \PO2\
Day/Month/Year Day/Month/Year
\PO1D\ \PO2D\
The following section to be completed by the relevant financial professional

I certify that this document has been presented to the applicant and that I have explained non-guaranteed elements illustrated are subject to change. Further, I confirm
that I have disclosed all charges including ongoing fund charges to the client. I have made no statements in any form that are inconsistent with this illustration document.
Signature of Financial Professional Day/Month/Year
\FA\ \FAD\
Agency Name FAB

Financial Professional Abhishek Wadhwani
Zurich International Life Limited is registered (Registration Number 63) under UAE Federal Law Number 6 of 2007, and its activities in the UAE are governed by such law.
Zurich International Life is a business name of Zurich International Life Limited which provides life assurance, investment and protection products and is authorised by the
Isle of Man Financial Services Authority.
Registered in the Isle of Man number 20126C.
Registered office: Zurich House, Isle of Man Business Park, Douglas, Isle of Man, IM2 2QZ, British Isles. Telephone +44 1624 662266 Telefax +44 1624 662038
www.zurichinternational.com

Illustrative Values - Appendix

This table illustrates what you would get back from your investment if it grew at 0.00%, 4.50% and 7.00% a year and after the deduction of fees and charges and based
on the information shown in this proposal.
In USD
End of policy Total premiums paid to Assuming 0.00% Assuming 4.50% Assuming 7.00%
year date
Fund value Surrender Surrender Fund value Surrender Surrender Fund value Surrender Surrender
charge value charge value charge value
1 350,000 336,103 12,250 323,853 351,605 12,250 339,355 360,218 12,250 347,968
2 350,000 322,483 5,250 317,233 353,249 5,250 347,999 370,944 5,250 365,694
3 350,000 314,329 0 314,329 360,258 0 360,258 387,596 0 387,596
4 350,000 308,070 0 308,070 369,214 0 369,214 406,874 0 406,874
5 350,000 301,935 0 301,935 378,394 0 378,394 427,110 0 427,110
6 350,000 295,922 0 295,922 387,801 0 387,801 448,354 0 448,354
7 350,000 290,029 0 290,029 397,443 0 397,443 470,654 0 470,654
8 350,000 284,254 0 284,254 407,324 0 407,324 494,062 0 494,062
9 350,000 278,593 0 278,593 417,450 0 417,450 518,636 0 518,636
10 350,000 273,045 0 273,045 427,829 0 427,829 544,431 0 544,431
11 350,000 267,608 0 267,608 438,466 0 438,466 571,509 0 571,509
12 350,000 262,279 0 262,279 449,367 0 449,367 599,935 0 599,935
13 350,000 257,056 0 257,056 460,539 0 460,539 629,774 0 629,774
14 350,000 251,937 0 251,937 471,989 0 471,989 661,097 0 661,097
15 350,000 246,920 0 246,920 483,723 0 483,723 693,978 0 693,978
16 350,000 242,003 0 242,003 495,749 0 495,749 728,494 0 728,494
17 350,000 237,184 0 237,184 508,074 0 508,074 764,727 0 764,727
18 350,000 232,461 0 232,461 520,706 0 520,706 802,763 0 802,763
19 350,000 227,831 0 227,831 533,652 0 533,652 842,690 0 842,690
20 350,000 223,071 0 223,071 546,919 0 546,919 884,603 0 884,603
21 350,000 217,974 0 217,974 560,517 0 560,517 928,600 0 928,600
22 350,000 212,993 0 212,993 574,452 0 574,452 974,786 0 974,786
23 350,000 208,126 0 208,126 588,734 0 588,734 1,023,269 0 1,023,269
24 350,000 203,370 0 203,370 603,371 0 603,371 1,074,164 0 1,074,164
25 350,000 198,722 0 198,722 618,372 0 618,372 1,127,589 0 1,127,589
26 350,000 194,181 0 194,181 633,746 0 633,746 1,183,672 0 1,183,672
27 350,000 189,744 0 189,744 649,502 0 649,502 1,242,545 0 1,242,545
28 350,000 185,408 0 185,408 665,650 0 665,650 1,304,345 0 1,304,345
29 350,000 181,171 0 181,171 682,199 0 682,199 1,369,219 0 1,369,219
30 350,000 177,032 0 177,032 699,159 0 699,159 1,437,320 0 1,437,320

Illustrative Values - Appendix

I/We have seen this document on a computer screen in which the surrender values and charges were in red writing, however I/we have signed a copy of this document
that is printed in black and white.
I/We confirm that the importance of the surrender charges and values were explained to me/us by our financial professional.
I/We confirm that I/we am/are aware that this product has a limited or no protection benefit.
Signature of applicant Signature of applicant 2 (if applicable)
\PO1\ \PO2\
Day/Month/Year Day/Month/Year
\PO1D\ \PO2D\
Zurich International Life Limited is registered (Registration Number 63) under UAE Federal Law Number 6 of 2007, and its activities in the UAE are governed by such law.
Zurich International Life is a business name of Zurich International Life Limited which provides life assurance, investment and protection products and is authorised by the
Isle of Man Financial Services Authority.
Registered in the Isle of Man number 20126C.
Registered office: Zurich House, Isle of Man Business Park, Douglas, Isle of Man, IM2 2QZ, British Isles. Telephone +44 1624 662266 Telefax +44 1624 662038
www.zurichinternational.com

Effective date of this document: 28-Feb-2023
Key Facts Statement – Wealth Accumulation Plan (WAP)

This document provides you with important information about Wealth Accumulation Plan. First Abu Dhabi Bank PJSC are required by the Central Bank of the UAE
to provide this information about this Zurich product which they are distributing to help you understand the nature of this product. You are advised to read this
document so you can make an informed decision about whether to purchase this product. It is important that you read all product documents in addition to the
illustration.
What is this product?

Type of product: Product term:
Wealth Accumulation Plan is a conventional unit-linked investment product in the form The policy has no termination date and will continue until fully surrendered or until the
of a life insurance policy between the policy owner and Zurich International Life Ltd death of the last remaining life insured.
(‘Zurich’).
What are the risks and what could I get in return?
Objectives of the product:
Wealth Accumulation Plan is a single premium product designed to allow policy owners Wealth Accumulation Plan does not include any capital guarantee or
to invest in Zurich’s range of unit-linked investment options (‘funds’). The return for protection from future market performance, so you could lose some or all of
you, the investor, will depend on the performance of your chosen funds. Information your investment. If the underlying investments chosen are held in a currency
regarding the available funds can be found on the UAE fund centre at www.zurich.ae. which is different to that of your policy, currency conversion charges will apply
and will be charged to the policy. Changes in exchange rates between
How is the return determined? currencies could reduce your policy value.
Your policy value is determined by the premiums you pay, the charges Zurich deducts
from your policy and the investment performance of your chosen funds. The value of Some investments may have fees associated with them, as set by the
your policy will rise and fall in line with the value of your chosen funds. underlying fund manager. If the growth of the underlying investments do not
cover the charges of the product, then this will reduce the value of your policy.
Is income distributed or re-invested? A fund manager may exercise their right to suspend dealing in their funds or
Income from the funds will either be reinvested in the fund by the fund manager, or underlying assets. If this happens, Zurich can delay selling or buying units in
distributed as additional units to your policy. the funds and can also delay any payment to you if the fund manager has
deferred the payment to Zurich for any reason.
Intended investor:
Wealth Accumulation Plan is intended for investors aged 18 years and older who can Your financial professional will provide you with a personalised illustration in
invest USD 30,000 or more. You can also pay additional single premiums of at least which you select a growth rate which is used to provide you with estimated
USD 2,500. It is aimed at people who do not need instant access to their money and performance scenarios and future surrender values, assuming policy charges
are willing to leave their capital invested for at least 3 years. The intended investor are deducted and all premiums are paid. If the actual growth rate achieved is
should have the ability to understand and bear the risks associated with this product, less than your selected growth rate, the policy values you receive will be less
including the ability to bear potential investment losses, if any. For more details on this than illustrated. The actual risk can vary significantly if you fully surrender
product’s risks, please refer to the Policy Terms and Conditions. your policy at an early stage and you may get back less than you invested.
Insurance benefits: If you fully surrender Wealth Accumulation Plan within 3 years of the payment
There can be up to 2 lives insured on the policy, minimum two years of age and no of a premium, a surrender penalty will apply which will reduce the amount
maximum age. you receive. Depending on your personal circumstances at the time (including
your country of tax residence) you may be liable to pay tax on the proceeds of
Death benefit the policy.
In the event of the death of the last remaining life insured Zurich will pay a minimum
of 101% of the surrender value. In certain situations, Zurich will pay the enhanced
What are the costs?
death benefit which is defined in the Terms and Conditions.
The total impact of the costs below on the return of the policy can be seen by
referencing your personalised illustration. The intermediary who has advised you may
receive a payment (commission) from Zurich which will be recovered from the charges
you pay during the policy term.
Name of charge Charge amount How and when the charge is deducted
Establishment charge 100% of your premium is invested in your chosen funds. Zurich deducts this charge at the beginning of each policy
An establishment charge applies to each premium received and is deducted for up to month by cancelling units from your fund(s) for up to three
three years from the date the premium is paid. years.
The charge, based on the premium amount, will be deducted at a rate of:
Year Yearly charge Monthly charge

1 2% 0.17%
2 2% 0.17%
3 0.5% 0.04%
Yearly Policy Charge A fixed monthly charge of USD 13.75 is charged to your policy until the total Deducted monthly in advance at the start of each month.
premiums paid reaches USD 60,000 or currency equivalent. The charge will be deducted from your chosen investment
funds.
Policy Management The percentage taken will depend on the policy value at the time the charge is taken: Deducted monthly in advance at the start of each month
Charge Policy value Yearly charge for the whole life of the policy. The charge will be
deducted from your chosen investment funds.
Up to USD 29,999 1%
Between USD 30,000 and USD 224,999 0.8%
Over USD 225,000 0.5%
\PO1\ \PO2\
Customer Signature Customer Signature

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Surrender Charge The surrender charge is deducted if you fully surrender your policy within three years Deducted from the policy value before the surrender value
of payment of a premium. The charge reduces on a monthly basis over three years to is paid out.
zero and is shown below.
Surrender Charge table Months elapsed since Surrender Months elapsed since Surrender Months elapsed since Surrender
premium paid charge premium paid charge premium paid charge
0 5.75% 13 3.33% 26 1.25%
1 5.56% 14 3.17% 27 1.13%
2 5.38% 15 3% 28 1%
3 5.19% 16 2.83% 29 0.88%
4 5% 17 2.67% 30 0.75%
5 4.81% 18 2.5% 31 0.63%
6 4.63% 19 2.33% 32 0.5%
7 4.44% 20 2.17% 33 0.38%
8 4.25% 21 2% 34 0.25%
9 4.06% 22 1.83% 35 0.13%
10 3.88% 23 1.67% 36 0%
11 3.69% 24 1.5%
12 3.5% 25 1.38%
Currency switch charge 0.175% of any amount switched between funds of different currencies. This charge only applies if you switch between funds of
different currencies. The charge is deducted from the
‘switch-in’ fund, immediately after the switch has been
processed.
Currency exchange If Zurich needs to convert your premiums or the policy proceeds from the policy This charge will only apply if you pay your premiums to
charge currency to another currency, Zurich uses an exchange rate which includes a 1% Zurich, or ask Zurich to pay the policy proceeds to you in a
margin. currency other than the policy currency.
Can I make a withdrawal from my policy? Changes to the Policy Terms and Conditions
You can choose to take a partial surrender starting from USD 1,000 or set-up a To the extent that any change is proportionate and reasonably required, Zurich may
regular withdrawal starting from USD 500 at any time during the life of your alter the Wealth Accumulation Plan Policy Terms and Conditions to take into account a
policy. if you make withdrawals or a partial surrender, your policy value will be decision by a court, government body, ombudsman, regulator, industry body or other
reduced and if the policy value falls to zero it will end. Withdrawals are subject similar body or to take account of changes to law, taxation, official guidance, or
to a minimum surrender value remaining of USD 20,000. applicable codes of practice. Zurich will give notice to you of any changes to the Policy
Terms and Conditions 90 days before the change takes place where it is possible to do
Right to cancel so. Where this is not possible, Zurich will give notice to you as soon as Zurich reasonably
You have the right to cancel your policy within 30 days of receipt of your can.
policy documents. You will need to complete and return the cancellation
notice provided within your policy pack to Zurich using the contact details on
the Zurich website. You can also cancel your policy before you receive your
policy documents by contacting Zurich. Zurich reserves the right to refund your
premium less any fall in investment value that may have taken place during
the 30 day period.
Disclaimer
Wealth Accumulation Plan is a unit-linked savings product and is subject to market risks. Past performance does not and should not rely on a fund’s past performance as a
guarantee for future results. Fund unit values and investment performance will fluctuate and some carry associated charges.
The information in this Key Facts Statement is not the full terms of the contract, which is contained within the Wealth Accumulation Plan Policy Terms and Conditions, available
online the Zurich website www.zurich.ae. Both documents should be considered in conjunction with your personalised illustration your policy schedule and any subsequent
endorsements to your policy issued by Zurich.
By signing this document, you agree that you fully understand the investment risks, fees, charges, commission and expenses that may be incurred through purchasing this product.
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Summary of Fees and Charges

What are the costs?
The total impact of the costs below on the return of the policy can be seen by referencing your personalised illustration. The intermediary who has advised you may receive a
payment (commission) from Zurich which is paid from charges taken from your policy during the term.
Establishment charge 100% of your premium is invested in your chosen funds. Zurich deducts this charge at the beginning of each policy
month by cancelling units from your fund(s) for up to three
An establishment charge applies to each premium received and is deducted for up to years.
three years from the date the premium is paid.
The charge, based on the premium amount, will be deducted at a rate of:
Year Yearly charge Monthly charge

1 2% 0.17%
2 2% 0.17%
3 0.5% 0.04%
Yearly Policy Charge A fixed monthly charge of USD 13.75 is charged to your policy until the total Deducted monthly in advance at the start of each month.
premiums paid reaches USD 60,000 or currency equivalent. The charge will be deducted from your chosen investment
funds.
Policy Management The percentage taken will depend on the policy value at the time the charge is taken: Deducted monthly in advance at the start of each month
Charge Policy value Yearly charge for the whole life of the policy. The charge will be
deducted from your chosen investment funds.
Up to USD 29,999 1%
Between USD 30,000 and USD 224,999 0.8%
Over USD 225,000 0.5%
Surrender Charge The surrender charge is deducted if you fully surrender your policy within three years Deducted from the policy value before the surrender value
of payment of a premium. The charge reduces on a monthly basis over three years to is paid out.
zero and is shown below.
Surrender Charge table Months elapsed since Surrender Months elapsed since Surrender Months elapsed since Surrender
premium paid charge premium paid charge premium paid charge
0 5.75% 13 3.33% 26 1.25%
1 5.56% 14 3.17% 27 1.13%
2 5.38% 15 3% 28 1%
3 5.19% 16 2.83% 29 0.88%
4 5% 17 2.67% 30 0.75%
5 4.81% 18 2.5% 31 0.63%
6 4.63% 19 2.33% 32 0.5%
7 4.44% 20 2.17% 33 0.38%
8 4.25% 21 2% 34 0.25%
9 4.06% 22 1.83% 35 0.13%
10 3.88% 23 1.67% 36 0%
11 3.69% 24 1.5%
12 3.5% 25 1.38%
Currency switch charge 0.175% of any amount switched between funds of different currencies. This charge only applies if you switch between funds of
different currencies. The charge is deducted from the
‘switch-in’ fund, immediately after the switch has been
processed.
Currency exchange If Zurich needs to convert your premiums or the policy proceeds from the policy This charge will only apply if you pay your premiums to
charge currency to another currency, Zurich uses an exchange rate which includes a 1% Zurich, or ask Zurich to pay the policy proceeds to you in a
margin. currency other than the policy currency.
Fund Performance
Fund specific information, including details of historic performance ranging from 1 month to when the fund was first launched, can be found at the Zurich UAE Fund Centre on
the following website www.zurich.ae. You will choose your selected funds at the point of application for your policy.
Parties to the contract

You will be the owner of the policy, responsible for paying all premiums as they fall due and entitled to receive the benefits of the policy. Zurich is the insurance provider who
provide you with your chosen benefits, recover their charges for providing these benefits and administering the policy from the charges set out above. First Abu Dhabi Bank PJSC
are the Intermediary/Distributor who are marketing the product and receive a commission as set out below.
Partial and Full surrender

There is no charge for partial surrenders although withdrawals are subject to a minimum surrender value remaining of USD 20,000. For full surrenders, if the surrender is done
before the first three years, a charge is applied. For more information, please refer to the Wealth Accumulation Plan Terms and Conditions.
Commission
The commission paid to First Abu Dhabi Bank PJSC in their role as distributor of Wealth Accumulation Plan is up to 4.5% times the single premium invested.
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‫وﺛﯾﻘﺔ ﺗراﻛم ﺳﯾﻔﯾﻧﻐس )وﺛﯾﻘﺔ اﻻدﺧﺎر ﺑﺄﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﻔردﯾﺔ(‬
‫ﻋرض أﺳﻌﺎر ﺷﺧﺻﻲ ﻟﻠﺳﯾد ‪Mr Pedro Alexandre Correia Melo Da Ascencao‬‬
‫‪Mr Pedro Alexandre Correia Melo Da Ascencao‬‬ ‫وﺛﯾﻘﺔ ﺗراﻛم اﻟﺛروة‬
‫ﺗﻣﮭﯾد‬
‫ﺗم إﻋداد ﻋرض اﻷﺳﻌﺎر اﻟﺷﺧﺻﻲ ھذا ﺧﺻﯾﺻﺎ ﻟﻠﺳﯾد ‪ Mr Pedro Alexandre Correia Melo Da Ascencao‬ﻓﻲ ‪ 28‬ﻓﺑراﯾر ‪ .2023‬ﯾرﺟﻰ اﻟﺗﺣﻘق واﻟﺗﺄﻛد ﻣن أن اﻟﻣﻌﻠوﻣﺎت ﺻﺣﯾﺣﺔ‪ .‬ﯾﺳري ﻋرض اﻷﺳﻌﺎر ھذا ﻟﻣدة ‪90‬‬
‫ﯾوﻣﺎ ﻣن اﻟﺗﺎرﯾﺦ أﻋﻼه‪.‬‬
‫ﺗم ﺗوﻗﻊ ﻣﻌدل اﻟﻧﻣو اﻟﺣﺎﻟﻲ ﺗﻣﺎﺷﯾﺎ ﻣﻊ اﻟظروف اﻟﺗﻲ ﺗﻌﺗﺑر ﻣﻧﺎﺳﺑﺔ وﻗت إﺻدار ﻋرض اﻷﺳﻌﺎر ھذا‪ .‬ﻗد ﯾﺗﻘﻠب ﻣﻌدل اﻟﻧﻣو وﺣدوده ﺑﻣرور اﻟوﻗت ﻣﻣﺎ ﻗد ﯾﻛون ﻟﮫ أﺛر ﻋﻠﻰ اﻟﺣدود اﻟﻣطﺑﻘﺔ ﻋﻠﻰ ﻋرض اﻷﺳﻌﺎر اﻟﺣﺎﻟﻲ‪ .‬ﯾﺟب ﻗراءة ھذا‬
‫اﻟﻣﺳﺗﻧد ﻣﻊ اﻟﺷروط واﻷﺣﻛﺎم اﻟﺗﻲ ﺗﻧطﺑق ﻋﻠﻰ ھذا اﻟﻣﻧﺗﺞ ﺣﯾث ﯾﺗﺑﻊ أي ﻣﺻطﻠﺢ ﻣﺳﺗﺧدم ﻧﻔس اﻟﺗﻌرﯾﻔﺎت اﻟواردة ﻓﻲ اﻟﺷروط واﻷﺣﻛﺎم‪.‬‬
‫اﻟﺑﯾﺎﻧﺎت اﻟﺷﺧﺻﯾﺔ‬
‫اﻟدور‬ ‫ﻣدﺧن‬ ‫اﻟﺟﻧس‬ ‫ﺗﺎرﯾﺦ اﻟﻣﯾﻼد‬ ‫اﻻﺳم‬
‫اﻟﻣؤﻣن ﻟﮫ ﻋﻠﻰ اﻟﺣﯾﺎة ‪1‬‬ ‫ﻻ‬ ‫ذﻛر‬ ‫‪ 13‬ﻓﺑراﯾر ‪1977‬‬ ‫‪Pedro Alexandre Correia Melo Da Ascencao‬‬
‫ﻣﻠﺧص اﻟﻌرض‬
‫ﯾﻘدم اﻟﺟدول أدﻧﺎه ﻣﻠﺧﺻﺎ ﻣوﺟزا ﻟﻠﺗﻔﺎﺻﯾل اﻟرﺋﯾﺳﯾﺔ ﻟﻠوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪.‬‬
‫‪ USD 350,000‬ﻗﺳط اﻟﺗﺄﻣﯾن اﻟﻔردي‬ ‫ﻣﺑﻠﻎ ﻗﺳط اﻟﺗﺄﻣﯾن‬

‫ﻗﺳط اﻟﺗﺄﻣﯾن اﻟﻔردي‬ ‫ﻣدة دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬
‫وﺛﯾﻘﺔ ﺳﯾﻧﻐل ﻻﯾف‬ ‫أﺳﺎس ﻗﺳط اﻟﺗﺄﻣﯾن‬
‫‪01/3/2023‬‬ ‫ﺗﺎرﯾﺦ ﺑدء اﻟوﺛﯾﻘﺔ‬
‫طوال اﻟﺣﯾﺎة‬ ‫ﻣدة اﻟوﺛﯾﻘﺔ‬
‫‪7%‬‬ ‫ﻋﺎﺋد اﻻﺳﺗﺛﻣﺎر اﻟﺗوﺿﯾﺣﻲ‬
‫‪1.5%‬‬ ‫رﺳم اﻟﺻﻧدوق اﻟﺗوﺿﯾﺣﻲ‬
‫‪0%‬‬ ‫رﺳم ﻣﺳﺗﺷﺎر اﻻﺳﺗﺛﻣﺎر‬
‫رﺳم اﻟﺗﺄﺳﯾس‬
‫ﯾﺑﯾن اﻟﺟدول أدﻧﺎه ﻣﻌدل وﻣدة رﺳم اﻟﺗﺄﺳﯾس ﻟﻛل ﻗﺳط ﺗﺄﻣﯾن‪:‬‬
‫ﻗﺳط اﻟﺗﺄﻣﯾن اﻟﻔردي‬

‫رﺳم اﻟﺗﺻﻔﯾﺔ )ﻧﮭﺎﯾﺔ اﻟﺳﻧﺔ(‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ )ﺑداﯾﺔ اﻟﺳﻧﺔ(‬ ‫رﺳم اﻟﺗﺄﺳﯾس‬ ‫اﻟﺳﻧﺔ‬
‫‪3.50%‬‬ ‫‪5.75%‬‬ ‫‪2.00%‬‬ ‫اﻟﺳﻧﺔ ‪1‬‬

‫‪1.50%‬‬ ‫‪3.50%‬‬ ‫‪2.00%‬‬ ‫اﻟﺳﻧﺔ ‪2‬‬
‫‪0.00%‬‬ ‫‪1.50%‬‬ ‫‪0.50%‬‬ ‫اﻟﺳﻧﺔ ‪3‬‬
‫‪28-Feb-2023 17:05 v4.9 2TJBOL8U/8904162/-/F/-/E/-/-/-/-/-/-/0%/WAPL2‬‬ ‫‪Page 2 of 7‬‬ ‫‪FAB‬‬

‫ﻗﯾم ﺗوﺿﯾﺣﯾﺔ‬
‫ﯾوﺿﺢ ھذا اﻟﺟدول ﻣﺎ ﺳﺗﺣﺻل ﻋﻠﯾﮫ ﻣن اﺳﺗﺛﻣﺎرك إذا ﻧﻣﻰ ﺑﻧﺳﺑﺔ ‪ %7.00‬ﻓﻲ اﻟﺳﻧﺔ‪ ،‬ﺑﻌد ﺧﺻم اﻟرﺳوم واﻟﻧﻔﻘﺎت‪ ،‬واﺳﺗﻧﺎداً إﻟﻰ اﻟﻣﻌﻠوﻣﺎت اﻟواردة ﻓﻲ ھذا اﻟﻌرض‪.‬‬
‫‪In USD‬‬
‫ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫ﻗﯾﻣﺔ اﻟﺻﻧدوق‬ ‫إﺟﻣﺎﻟﻲ اﻟﺳﺣوﺑﺎت ﺣﺗﻰ ﺗﺎرﯾﺧﮫ‬ ‫إﺟﻣﺎﻟﻲ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﻣدﻓوﻋﺔ ﺣﺗﻰ ﺗﺎرﯾﺧﮫ‬ ‫ﻧﮭﺎﯾﺔ ﺳﻧﺔ اﻟوﺛﯾﻘﺔ‬
‫‪347,968‬‬ ‫‪360,218‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪1‬‬
‫‪365,694‬‬ ‫‪370,944‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪2‬‬
‫‪387,596‬‬ ‫‪387,596‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪3‬‬
‫‪406,874‬‬ ‫‪406,874‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪4‬‬
‫‪427,110‬‬ ‫‪427,110‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪5‬‬
‫‪448,354‬‬ ‫‪448,354‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪6‬‬
‫‪470,654‬‬ ‫‪470,654‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪7‬‬
‫‪494,062‬‬ ‫‪494,062‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪8‬‬
‫‪518,636‬‬ ‫‪518,636‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪9‬‬
‫‪544,431‬‬ ‫‪544,431‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪10‬‬
‫‪571,509‬‬ ‫‪571,509‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪11‬‬
‫‪599,935‬‬ ‫‪599,935‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪12‬‬
‫‪629,774‬‬ ‫‪629,774‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪13‬‬
‫‪661,097‬‬ ‫‪661,097‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪14‬‬
‫‪693,978‬‬ ‫‪693,978‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪15‬‬
‫‪728,494‬‬ ‫‪728,494‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪16‬‬
‫‪764,727‬‬ ‫‪764,727‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪17‬‬
‫‪802,763‬‬ ‫‪802,763‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪18‬‬
‫‪842,690‬‬ ‫‪842,690‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪19‬‬
‫‪884,603‬‬ ‫‪884,603‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪20‬‬
‫‪928,600‬‬ ‫‪928,600‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪21‬‬
‫‪974,786‬‬ ‫‪974,786‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪22‬‬
‫‪1,023,269‬‬ ‫‪1,023,269‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪23‬‬
‫‪1,074,164‬‬ ‫‪1,074,164‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪24‬‬
‫‪1,127,589‬‬ ‫‪1,127,589‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪25‬‬

‫‪In USD‬‬
‫ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫ﻗﯾﻣﺔ اﻟﺻﻧدوق‬ ‫إﺟﻣﺎﻟﻲ اﻟﺳﺣوﺑﺎت ﺣﺗﻰ ﺗﺎرﯾﺧﮫ‬ ‫إﺟﻣﺎﻟﻲ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﻣدﻓوﻋﺔ ﺣﺗﻰ ﺗﺎرﯾﺧﮫ‬ ‫ﻧﮭﺎﯾﺔ ﺳﻧﺔ اﻟوﺛﯾﻘﺔ‬
‫‪1,183,672‬‬ ‫‪1,183,672‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪26‬‬
‫‪1,242,545‬‬ ‫‪1,242,545‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪27‬‬
‫‪1,304,345‬‬ ‫‪1,304,345‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪28‬‬
‫‪1,369,219‬‬ ‫‪1,369,219‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪29‬‬
‫‪1,437,320‬‬ ‫‪1,437,320‬‬ ‫‪0‬‬ ‫‪350,000‬‬ ‫‪30‬‬
‫إذا ﻗﻣت ﺑﺗﺻﻔﯾﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﻓﻲ وﻗت ﻣﺑﻛر ﻓﻘد ﺗﺳﺗرد ﻣﺑﻠﻐﺎ أﻗل ﻣن اﻟﻣﺑﻠﻎ اﻟذي دﻓﻌﺗﮫ‪ .‬ﻣﻌدل‪/‬ﻣﻌدﻻت اﻟﻧﻣو اﻟﻣﺑﯾﻧﺔ واﻟﺗﻲ اﺧﺗرﺗﮭﺎ أﻧت و‪/‬أو اﻟﻣﺗﺧﺻص اﻟﻣﺎﻟﻲ اﻟﻣﻌﻧﻲ اﻟذي ﺗﺗﻌﺎﻣل ﻣﻌﮫ ھﻲ ﻷﻏراض ﺗوﺿﯾﺣﯾﺔ ﺧﺎﻟﺻﺔ وھﻲ ﻏﯾر‬
‫ﻣﺿﻣوﻧﺔ ﺑﺄي ﺷﻛل ﻣن اﻷﺷﻛﺎل ﻣن ﻗﺑل زﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف‪ .‬ﻟﻠﻣزﯾد ﻣن اﻟﺗوﺿﯾﺢ ﺑﺷﺄن اﻟرﺳوم اﻟﺗﻲ ﯾﻣﻛن أن ﺗﻧطﺑق ﻋﻠﻰ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪ ،‬ﯾﻣﻛﻧك اﻟرﺟوع إﻟﻰ ﻣﻠﺣق اﻟﻘﯾم اﻟﺗوﺿﯾﺣﯾﺔ واﻟذي ﯾﺣﺗوي ﻋﻠﻰ ﺗوﺿﯾﺢ ﻣﻌدل اﻟﻧﻣو‬
‫ﻟﻠﻧﺳﺑﺔ اﻟﻣﺋوﯾﺔ ﺻﻔر ﺑﺎﻟﻣﺎﺋﺔ‪ .‬ﺳوف ﯾﺳﺗﻧد ﻋﺎﺋدك اﻟﻧﮭﺎﺋﻲ إﻟﻰ أداء اﻟﺻﻧدوق اﻷﺳﺎﺳﻲ ﺑﺎﻹﺿﺎﻓﺔ إﻟﻰ ﻋدد ﻣن اﻟﻌواﻣل ﻣﺛل ﻏراﻣﺎت اﻟﺗﺻﻔﯾﺔ اﻟﻣﺑﻛرة ورﺳوم اﻟﻣﻧﺗﺞ اﻟﻣﺳﺗﻣرة وأﺳﻌﺎر اﻟﺻرف وﻗد ﯾﻛون أﻗل ﻣن اﻷرﻗﺎم اﻟﻣوﺿﺣﺔ‪ .‬ﯾرﺟﻰ‬
‫ﻣﻼﺣظﺔ أﻧﮫ إذا ﻗﻣت ﺑﺎﺧﺗﯾﺎر ﺻﻧدوق ﺳوق اﻟﻣﺎل أو ﺻﻧدوق دﺧل ﺛﺎﺑت‪ ،‬ﻓﯾﻣﻛن اﻋﺗﺑﺎر اﻟﻌﺎﺋدات اﻟﻣﺑﯾﻧﺔ ﻓﻲ اﻟﺟدول ﻣرﺗﻔﻌﺔ‬

‫إﺷﻌﺎر اﻟﺧﺻوﺻﯾﺔ‬
‫ﺗم ﺗﺟﻣﯾﻊ اﻟﻣﻌﻠوﻣﺎت اﻟﺷﺧﺻﯾﺔ اﻟﻣطﻠوﺑﺔ ﻓﻲ ھذا اﻟﻧﻣوذج واﺳﺗﺧداﻣﮭﺎ ﺑواﺳطﺔ زﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ﻟﯾﻣﺗد )اﻟﺷرﻛﺔ( ﻛﻣراﻗب ﺑﯾﺎﻧﺎت ﺗﻣﺎﺷﯾﺎ ﻣﻊ ﺳﯾﺎﺳﺔ ﺣﻣﺎﯾﺔ اﻟﺑﯾﺎﻧﺎت‬
‫ﯾﻣﻛن اﻟﺣﺻول ﻋﻠﻰ ﺗﻔﺎﺻﯾل ﻛﺎﻣﻠﺔ ﻋﻠﻰ اﻟﻣوﻗﻊ اﻹﻟﻛﺗروﻧﻲ ‪ https://www.zurich.ae/home/legal-and-privacy‬أو ﺗواﺻل ﻣﻌﻧﺎ ﻟﻠﺣﺻول ﻋﻠﻰ ﻧﺳﺧﺔ‪.‬‬
‫إﻗرار اﻟﻌﻣﯾل‬
‫ﻟﻘد ﺣﺻﻠت ﻋﻠﻰ ﻧﺳﺧﺔ ﻣن ﻣﺳﺗﻧد اﻹﯾﺿﺎﺣﺎت ھذا وأﻓﮭم أن أي ﻋﻧﺎﺻر ﻏﯾر ﻣﺿﻣوﻧﺔ ﺗم ﺗوﺿﯾﺣﮭﺎ ﺗﺧﺿﻊ ﻟﻠﺗﻐﯾﯾر وﻗد ﺗﺻﺑﺢ إﻣﺎ أﻋﻠﻰ أو أﻗل‪ .‬ﻟﻘد أﺧﺑرﺗﻧﻲ اﻟﻣوظف اﻟﻣﺳؤول ﻓﻲ‪ FAB‬أن ھذه اﻟﻌﻧﺎﺻر ﻏﯾر ﻣﺿﻣوﻧﺔ وﻟم ﯾﺗم إﺟراء أي‬
‫اﺗﺻﺎل ﺷﻔﮭﻲ أو ﻛﺗﺎﺑﻲ أو ﺗﻘدﯾم أي ﻣﻠف إﻟﻛﺗروﻧﻲ أو أي ﻣﺎدة أﺧرى ﺗﺧﺗﻠف ﻋن ﻣﺳﺗﻧد اﻹﯾﺿﺎﺣﺎت ھذا‪.‬‬
‫ﻣﻠﺣوظﺔ‪ :‬ﻟدى اﻟﻣﻧﺗﺞ ﻣزﯾﺔ ﺣﻣﺎﯾﺔ ﻣﺣدودة أو ﻻ ﺗوﺟد ﺑﮫ ﻣزﯾﺔ ﺣﻣﺎﯾﺔ‬
‫ﺗوﻗﯾﻊ ﻣﻘدم اﻟطﻠب ‪) 2‬إذا اﻧطﺑق(‬ ‫ﺗوﻗﯾﻊ ﻣﻘدم اﻟطﻠب ‪1‬‬
‫'\‪'\PO2‬‬ ‫'\‪'\PO1‬‬
‫اﻟﯾوم‪/‬اﻟﺷﮭر‪ /‬اﻟﺳﻧﺔ‬ ‫اﻟﯾوم‪/‬اﻟﺷﮭر‪ /‬اﻟﺳﻧﺔ‬
‫'\‪'\PO2D‬‬ ‫'\‪'\PO1D‬‬
‫ﯾﺟب إﻛﻣﺎل اﻟﻘﺳم اﻟﺗﺎﻟﻲ ﺑواﺳطﺔ اﻟﻣﺗﺧﺻص اﻟﻣﺎﻟﻲ اﻟﻣﻌﻧﻲ‬

‫أﺷﮭد ﺑﺄن ھذا اﻟﻣﺳﺗﻧد ﺗم ﺗﻘدﯾﻣﮫ إﻟﻰ ﻣﻘدم اﻟطﻠب وﺑﺄﻧﻧﻲ ﺷرﺣت أن اﻟﻌﻧﺎﺻر ﻏﯾر اﻟﻣﺿﻣوﻧﺔ اﻟﻣوﺿﺣﺔ ھﻲ ﻋﻧﺎﺻر ﺧﺎﺿﻌﺔ ﻟﻠﺗﻐﯾﯾر‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﻟﻰ ذﻟك‪ ،‬أؤﻛد أﻧﻧﻲ أﻓﺻﺣت ﻟﻠﻌﻣﯾل ﻋن ﺟﻣﯾﻊ اﻟرﺳوم ورﺳوم اﻟﺻﻧدوق اﻟﻣﺳﺗﻣرة‪ .‬ﻟم أﻗم‬
‫ﺑﺎﻹدﻻء ﺑﺄي ﺑﯾﺎﻧﺎت ﺑﺄي ﺷﻛل ﻣن اﻷﺷﻛﺎل ﻻ ﺗﺗواﻓق ﻣﻊ ﻣﺳﺗﻧد اﻹﯾﺿﺎﺣﺎت ھذا‪.‬‬
‫اﻟﯾوم‪/‬اﻟﺷﮭر‪/‬اﻟﺳﻧﺔ‬ ‫ﺗوﻗﯾﻊ اﻟﻣﺗﺧﺻص اﻟﻣﺎﻟﻲ‬
‫'\‪'\FAD‬‬ ‫'\‪'\FA‬‬
‫‪FAB‬‬ ‫اﺳم اﻟوﻛﺎﻟﺔ‬

‫‪Abhishek Wadhwani‬‬ ‫اﻟﻣﺗﺧﺻص اﻟﻣﺎﻟﻲ‬
‫زﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ﻟﯾﻣﺗد ﻣﺳﺟﻠﺔ ﺑﻣوﺟب اﻟﻘﺎﻧون اﻻﺗﺣﺎدي ﻟدوﻟﺔ اﻹﻣﺎرات اﻟﻌرﺑﯾﺔ اﻟﻣﺗﺣدة رﻗم ‪ 6‬ﻟﺳﻧﺔ ‪) 2007‬رﻗم ﺗﺳﺟﯾل ‪ ،(63‬وﺗﺧﺿﻊ أﻧﺷطﺗﮭﺎ ﻓﻲ اﻹﻣﺎرات اﻟﻌرﺑﯾﺔ اﻟﻣﺗﺣدة ﻟذﻟك اﻟﻘﺎﻧون‬
‫زﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ھو اﺳم ﺗﺟﺎري ﻟزﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ﻟﯾﻣﺗد واﻟﺗﻲ ﺗﻘدم ﻣﻧﺗﺟﺎت اﻟﺗﺄﻣﯾن ﻋﻠﻰ اﻟﺣﯾﺎة واﻻﺳﺗﺛﻣﺎر واﻟﺣﻣﺎﯾﺔ‪ ،‬وﻣرﺧﺻﺔ ﻣن ﻗﺑل ھﯾﺋﺔ اﻟﺧدﻣﺎت اﻟﻣﺎﻟﯾﺔ ﻓﻲ آﯾل أوف ﻣﺎن‪.‬‬
‫ﻣﺳﺟﻠﺔ ﻓﻲ آﯾل أوف ﻣﺎن ﺑﻣوﺟب رﻗم ﺗﺳﺟﯾل ‪20126‬ﺳﻲ‬
‫ﻣﻛﺗﺑﮭﺎ اﻟﻣﺳﺟل‪ :‬زﯾورﯾﺦ ھﺎوس‪ ،‬ﻣﺟﻣﻊ آﯾل أوف ﻣﺎن ﻟﻸﻋﻣﺎل‪ ،‬دوﻏﻼس‪ ،‬آﯾل أوف ﻣﺎن‪ ،‬آي إم ‪2 2‬ﻛﯾو زي‪ ،‬اﻟﺟزر اﻟﺑرﯾطﺎﻧﯾﺔ رﻗم اﻟﮭﺎﺗف‪ +441624662266 :‬اﻟﻔﺎﻛس‪+441624662038 :‬‬
‫‪www.zurichinternational.com‬‬

‫ﻗﯾم ﺗوﺿﯾﺣﯾﺔ ‪ -‬ﻣﻠﺣق‬

‫ﯾوﺿﺢ ھذا اﻟﺟدول ﻣﺎ ﺳﺗﺣﺻل ﻋﻠﯾﮫ ﻣن اﺳﺗﺛﻣﺎرك إذا ﻧﻣﻰ ﺑﻧﺳﺑﺔ ‪ %4.50 ,%0.00‬و ‪ %7.00‬ﻓﻲ اﻟﺳﻧﺔ‪ ،‬ﺑﻌد ﺧﺻم اﻟرﺳوم واﻟﻧﻔﻘﺎت‪ ،‬واﺳﺗﻧﺎداً إﻟﻰ اﻟﻣﻌﻠوﻣﺎت اﻟواردة ﻓﻲ ھذا اﻟﻌرض‬
‫‪In USD‬‬
‫ﺑﺎﻓﺗراض ﻧﺳﺑﺔ ‪%7.00‬‬ ‫ﺑﺎﻓﺗراض ﻧﺳﺑﺔ ‪%4.50‬‬ ‫ﺑﺎﻓﺗراض ﻧﺳﺑﺔ ‪%0.00‬‬ ‫إﺟﻣﺎﻟﻲ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﻣدﻓوﻋﺔ ﺣﺗﻰ‬ ‫ﻧﮭﺎﯾﺔ ﺳﻧﺔ‬
‫ﺗﺎرﯾﺧﮫ‬ ‫اﻟوﺛﯾﻘﺔ‬
‫ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫ﻗﯾﻣﺔ اﻟﺻﻧدوق‬ ‫ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫ﻗﯾﻣﺔ اﻟﺻﻧدوق‬ ‫ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫ﻗﯾﻣﺔ اﻟﺻﻧدوق‬
‫‪347,968‬‬ ‫‪12,250‬‬ ‫‪360,218‬‬ ‫‪339,355‬‬ ‫‪12,250‬‬ ‫‪351,605‬‬ ‫‪323,853‬‬ ‫‪12,250‬‬ ‫‪336,103‬‬ ‫‪350,000‬‬ ‫‪1‬‬
‫‪365,694‬‬ ‫‪5,250‬‬ ‫‪370,944‬‬ ‫‪347,999‬‬ ‫‪5,250‬‬ ‫‪353,249‬‬ ‫‪317,233‬‬ ‫‪5,250‬‬ ‫‪322,483‬‬ ‫‪350,000‬‬ ‫‪2‬‬
‫‪387,596‬‬ ‫‪0‬‬ ‫‪387,596‬‬ ‫‪360,258‬‬ ‫‪0‬‬ ‫‪360,258‬‬ ‫‪314,329‬‬ ‫‪0‬‬ ‫‪314,329‬‬ ‫‪350,000‬‬ ‫‪3‬‬
‫‪406,874‬‬ ‫‪0‬‬ ‫‪406,874‬‬ ‫‪369,214‬‬ ‫‪0‬‬ ‫‪369,214‬‬ ‫‪308,070‬‬ ‫‪0‬‬ ‫‪308,070‬‬ ‫‪350,000‬‬ ‫‪4‬‬
‫‪427,110‬‬ ‫‪0‬‬ ‫‪427,110‬‬ ‫‪378,394‬‬ ‫‪0‬‬ ‫‪378,394‬‬ ‫‪301,935‬‬ ‫‪0‬‬ ‫‪301,935‬‬ ‫‪350,000‬‬ ‫‪5‬‬
‫‪448,354‬‬ ‫‪0‬‬ ‫‪448,354‬‬ ‫‪387,801‬‬ ‫‪0‬‬ ‫‪387,801‬‬ ‫‪295,922‬‬ ‫‪0‬‬ ‫‪295,922‬‬ ‫‪350,000‬‬ ‫‪6‬‬
‫‪470,654‬‬ ‫‪0‬‬ ‫‪470,654‬‬ ‫‪397,443‬‬ ‫‪0‬‬ ‫‪397,443‬‬ ‫‪290,029‬‬ ‫‪0‬‬ ‫‪290,029‬‬ ‫‪350,000‬‬ ‫‪7‬‬
‫‪494,062‬‬ ‫‪0‬‬ ‫‪494,062‬‬ ‫‪407,324‬‬ ‫‪0‬‬ ‫‪407,324‬‬ ‫‪284,254‬‬ ‫‪0‬‬ ‫‪284,254‬‬ ‫‪350,000‬‬ ‫‪8‬‬
‫‪518,636‬‬ ‫‪0‬‬ ‫‪518,636‬‬ ‫‪417,450‬‬ ‫‪0‬‬ ‫‪417,450‬‬ ‫‪278,593‬‬ ‫‪0‬‬ ‫‪278,593‬‬ ‫‪350,000‬‬ ‫‪9‬‬
‫‪544,431‬‬ ‫‪0‬‬ ‫‪544,431‬‬ ‫‪427,829‬‬ ‫‪0‬‬ ‫‪427,829‬‬ ‫‪273,045‬‬ ‫‪0‬‬ ‫‪273,045‬‬ ‫‪350,000‬‬ ‫‪10‬‬
‫‪571,509‬‬ ‫‪0‬‬ ‫‪571,509‬‬ ‫‪438,466‬‬ ‫‪0‬‬ ‫‪438,466‬‬ ‫‪267,608‬‬ ‫‪0‬‬ ‫‪267,608‬‬ ‫‪350,000‬‬ ‫‪11‬‬
‫‪599,935‬‬ ‫‪0‬‬ ‫‪599,935‬‬ ‫‪449,367‬‬ ‫‪0‬‬ ‫‪449,367‬‬ ‫‪262,279‬‬ ‫‪0‬‬ ‫‪262,279‬‬ ‫‪350,000‬‬ ‫‪12‬‬
‫‪629,774‬‬ ‫‪0‬‬ ‫‪629,774‬‬ ‫‪460,539‬‬ ‫‪0‬‬ ‫‪460,539‬‬ ‫‪257,056‬‬ ‫‪0‬‬ ‫‪257,056‬‬ ‫‪350,000‬‬ ‫‪13‬‬
‫‪661,097‬‬ ‫‪0‬‬ ‫‪661,097‬‬ ‫‪471,989‬‬ ‫‪0‬‬ ‫‪471,989‬‬ ‫‪251,937‬‬ ‫‪0‬‬ ‫‪251,937‬‬ ‫‪350,000‬‬ ‫‪14‬‬
‫‪693,978‬‬ ‫‪0‬‬ ‫‪693,978‬‬ ‫‪483,723‬‬ ‫‪0‬‬ ‫‪483,723‬‬ ‫‪246,920‬‬ ‫‪0‬‬ ‫‪246,920‬‬ ‫‪350,000‬‬ ‫‪15‬‬
‫‪728,494‬‬ ‫‪0‬‬ ‫‪728,494‬‬ ‫‪495,749‬‬ ‫‪0‬‬ ‫‪495,749‬‬ ‫‪242,003‬‬ ‫‪0‬‬ ‫‪242,003‬‬ ‫‪350,000‬‬ ‫‪16‬‬
‫‪764,727‬‬ ‫‪0‬‬ ‫‪764,727‬‬ ‫‪508,074‬‬ ‫‪0‬‬ ‫‪508,074‬‬ ‫‪237,184‬‬ ‫‪0‬‬ ‫‪237,184‬‬ ‫‪350,000‬‬ ‫‪17‬‬
‫‪802,763‬‬ ‫‪0‬‬ ‫‪802,763‬‬ ‫‪520,706‬‬ ‫‪0‬‬ ‫‪520,706‬‬ ‫‪232,461‬‬ ‫‪0‬‬ ‫‪232,461‬‬ ‫‪350,000‬‬ ‫‪18‬‬
‫‪842,690‬‬ ‫‪0‬‬ ‫‪842,690‬‬ ‫‪533,652‬‬ ‫‪0‬‬ ‫‪533,652‬‬ ‫‪227,831‬‬ ‫‪0‬‬ ‫‪227,831‬‬ ‫‪350,000‬‬ ‫‪19‬‬
‫‪884,603‬‬ ‫‪0‬‬ ‫‪884,603‬‬ ‫‪546,919‬‬ ‫‪0‬‬ ‫‪546,919‬‬ ‫‪223,071‬‬ ‫‪0‬‬ ‫‪223,071‬‬ ‫‪350,000‬‬ ‫‪20‬‬
‫‪928,600‬‬ ‫‪0‬‬ ‫‪928,600‬‬ ‫‪560,517‬‬ ‫‪0‬‬ ‫‪560,517‬‬ ‫‪217,974‬‬ ‫‪0‬‬ ‫‪217,974‬‬ ‫‪350,000‬‬ ‫‪21‬‬
‫‪974,786‬‬ ‫‪0‬‬ ‫‪974,786‬‬ ‫‪574,452‬‬ ‫‪0‬‬ ‫‪574,452‬‬ ‫‪212,993‬‬ ‫‪0‬‬ ‫‪212,993‬‬ ‫‪350,000‬‬ ‫‪22‬‬
‫‪1,023,269‬‬ ‫‪0‬‬ ‫‪1,023,269‬‬ ‫‪588,734‬‬ ‫‪0‬‬ ‫‪588,734‬‬ ‫‪208,126‬‬ ‫‪0‬‬ ‫‪208,126‬‬ ‫‪350,000‬‬ ‫‪23‬‬
‫‪1,074,164‬‬ ‫‪0‬‬ ‫‪1,074,164‬‬ ‫‪603,371‬‬ ‫‪0‬‬ ‫‪603,371‬‬ ‫‪203,370‬‬ ‫‪0‬‬ ‫‪203,370‬‬ ‫‪350,000‬‬ ‫‪24‬‬
‫‪1,127,589‬‬ ‫‪0‬‬ ‫‪1,127,589‬‬ ‫‪618,372‬‬ ‫‪0‬‬ ‫‪618,372‬‬ ‫‪198,722‬‬ ‫‪0‬‬ ‫‪198,722‬‬ ‫‪350,000‬‬ ‫‪25‬‬
‫‪1,183,672‬‬ ‫‪0‬‬ ‫‪1,183,672‬‬ ‫‪633,746‬‬ ‫‪0‬‬ ‫‪633,746‬‬ ‫‪194,181‬‬ ‫‪0‬‬ ‫‪194,181‬‬ ‫‪350,000‬‬ ‫‪26‬‬
‫‪1,242,545‬‬ ‫‪0‬‬ ‫‪1,242,545‬‬ ‫‪649,502‬‬ ‫‪0‬‬ ‫‪649,502‬‬ ‫‪189,744‬‬ ‫‪0‬‬ ‫‪189,744‬‬ ‫‪350,000‬‬ ‫‪27‬‬
‫‪1,304,345‬‬ ‫‪0‬‬ ‫‪1,304,345‬‬ ‫‪665,650‬‬ ‫‪0‬‬ ‫‪665,650‬‬ ‫‪185,408‬‬ ‫‪0‬‬ ‫‪185,408‬‬ ‫‪350,000‬‬ ‫‪28‬‬
‫‪1,369,219‬‬ ‫‪0‬‬ ‫‪1,369,219‬‬ ‫‪682,199‬‬ ‫‪0‬‬ ‫‪682,199‬‬ ‫‪181,171‬‬ ‫‪0‬‬ ‫‪181,171‬‬ ‫‪350,000‬‬ ‫‪29‬‬
‫‪1,437,320‬‬ ‫‪0‬‬ ‫‪1,437,320‬‬ ‫‪699,159‬‬ ‫‪0‬‬ ‫‪699,159‬‬ ‫‪177,032‬‬ ‫‪0‬‬ ‫‪177,032‬‬ ‫‪350,000‬‬ ‫‪30‬‬

‫ﻗﯾم ﺗوﺿﯾﺣﯾﺔ ‪ -‬ﻣﻠﺣق‬

‫ﻟﻘد اطﻠﻌت‪/‬اطﻠﻌﻧﺎ ﻋﻠﻰ ھذا اﻟﻣﺳﺗﻧد ﻋﻠﻰ ﺷﺎﺷﺔ ﻛﻣﺑﯾوﺗر واﻟﺗﻲ ظﮭرت ﻋﻠﯾﮭﺎ ﻗﯾم ورﺳوم اﻟﺗﺻﻔﯾﺔ ﻣﻛﺗوﺑﺔ ﺑﺎﻟﻠون اﻷﺣﻣر‪ ،‬ﻣﻊ ذﻟك وﻗﻌت‪/‬وﻗﻌﻧﺎ ﻋﻠﻰ ﻧﺳﺧﺔ ﻣن ھذا اﻟﻣﺳﺗﻧد واﻟﻣطﺑوع ﺑﺎﻟﻠوﻧﯾن اﻷﺳود واﻷﺑﯾض‪.‬‬
‫أؤﻛد‪/‬ﻧؤﻛد ﺑﺄﻧﮫ ﻗد ﺗم ﺗوﺿﯾﺢ أھﻣﯾﺔ رﺳوم وﻗﯾم اﻟوﺛﯾﻘﺔ ﻟﻲ‪/‬ﻟﻧﺎ ﻣن ﻗﺑل اﻟﻣﺗﺧﺻص اﻟﻣﺎﻟﻲ اﻟﺧﺎص ﺑﻲ‪/‬ﺑﻧﺎ‪.‬‬
‫أؤﻛد‪/‬ﻧؤﻛد ﺑﺄﻧﻧﻲ‪/‬أﻧﻧﺎ ﻋﻠﻰ ﻋﻠم ﺑﺄن ھذا اﻟﻣﻧﺗﺞ ﯾﺗﻣﺗﻊ ﺑﻣزﯾﺔ ﺣﻣﺎﯾﺔ ﻣﺣدودة أو ﻟﯾس ﺑﮫ ﻣزﯾﺔ ﺣﻣﺎﯾﺔ ﻋﻠﻰ اﻹطﻼق‪.‬‬
‫ﺗوﻗﯾﻊ ﻣﻘدم اﻟطﻠب ‪) 2‬إذا اﻧطﺑق(‬ ‫ﺗوﻗﯾﻊ ﻣﻘدم اﻟطﻠب ‪1‬‬
‫'\‪'\PO2‬‬ ‫'\‪'\PO1‬‬
‫اﻟﯾوم‪/‬اﻟﺷﮭر‪ /‬اﻟﺳﻧﺔ‬ ‫اﻟﯾوم‪/‬اﻟﺷﮭر‪ /‬اﻟﺳﻧﺔ‬
‫'\‪'\PO2D‬‬ ‫'\‪'\PO1D‬‬
‫زﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ﻟﯾﻣﺗد ﻣﺳﺟﻠﺔ ﺑﻣوﺟب اﻟﻘﺎﻧون اﻻﺗﺣﺎدي ﻟدوﻟﺔ اﻹﻣﺎرات اﻟﻌرﺑﯾﺔ اﻟﻣﺗﺣدة رﻗم ‪ 6‬ﻟﺳﻧﺔ ‪) 2007‬رﻗم ﺗﺳﺟﯾل ‪ ،(63‬وﺗﺧﺿﻊ أﻧﺷطﺗﮭﺎ ﻓﻲ اﻹﻣﺎرات اﻟﻌرﺑﯾﺔ اﻟﻣﺗﺣدة ﻟذﻟك اﻟﻘﺎﻧون‬
‫زﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ھو اﺳم ﺗﺟﺎري ﻟزﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ﻟﯾﻣﺗد واﻟﺗﻲ ﺗﻘدم ﻣﻧﺗﺟﺎت اﻟﺗﺄﻣﯾن ﻋﻠﻰ اﻟﺣﯾﺎة واﻻﺳﺗﺛﻣﺎر واﻟﺣﻣﺎﯾﺔ‪ ،‬وﻣرﺧﺻﺔ ﻣن ﻗﺑل ھﯾﺋﺔ اﻟﺧدﻣﺎت اﻟﻣﺎﻟﯾﺔ ﻓﻲ آﯾل أوف ﻣﺎن‪.‬‬
‫ﻣﺳﺟﻠﺔ ﻓﻲ آﯾل أوف ﻣﺎن ﺑﻣوﺟب رﻗم ﺗﺳﺟﯾل ‪20126‬ﺳﻲ‬
‫ﻣﻛﺗﺑﮭﺎ اﻟﻣﺳﺟل‪ :‬زﯾورﯾﺦ ھﺎوس‪ ،‬ﻣﺟﻣﻊ آﯾل أوف ﻣﺎن ﻟﻸﻋﻣﺎل‪ ،‬دوﻏﻼس‪ ،‬آﯾل أوف ﻣﺎن‪ ،‬آي إم ‪2 2‬ﻛﯾو زي‪ ،‬اﻟﺟزر اﻟﺑرﯾطﺎﻧﯾﺔ رﻗم اﻟﮭﺎﺗف‪ +441624662266 :‬اﻟﻔﺎﻛس‪+441624662038 :‬‬
‫‪www.zurichinternational.com‬‬

‫‪Effective date of this document: 28-Feb-2023‬‬
‫ﺑﯾﺎن اﻟﺣﻘﺎﺋق اﻟرﺋﯾﺳﯾﺔ ‪ -‬وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣﻠﯾﺷن ﺑﻼن‬

‫ﯾﻘدم ﻟك ھذا اﻟﻣﺳﺗﻧد ﻣﻌﻠوﻣﺎت ﻣﮭﻣﺔ ﺣول وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣﻠﯾﺷن ﺑﻼن‪ .‬ﯾطﻠب اﻟﻣﺻرف اﻹﻣﺎرات اﻟﻌرﺑﯾﺔ اﻟﻣﺗﺣدة اﻟﻣرﻛزي ﻣن ‪ First Abu Dhabi Bank PJSC‬ﺗﻘدﯾم ھذه اﻟﻣﻌﻠوﻣﺎت ﻟك ﺣول ھذا اﻟﻣﻧﺗﺞ ﻣن زﯾورﯾﺦ واﻟذي ﯾﻘوم ﺑﺗوزﯾﻌﮫ‪،‬‬
‫ﻟﻣﺳﺎﻋدﺗك ﻋﻠﻰ ﻓﮭم طﺑﯾﻌﺔ ھذا اﻟﻣﻧﺗﺞ‪ .‬ﻧﻧﺻﺣك ﺑﻘراءة ھذا اﻟﻣﺳﺗﻧد ﺑﺣﯾث ﯾﻣﻛﻧك اﺗﺧﺎذ ﻗرار ﻣﺳﺗﻧﯾر ﺑﺧﺻوص ﺷراء ھذا اﻟﻣﻧﺗﺞ ﻣن ﻋدﻣﮫ‪ .‬ﻣن اﻟﻣﮭم أن ﺗﻘوم ﺑﻘراءة ﺟﻣﯾﻊ ﻣﺳﺗﻧدات اﻟﻣﻧﺗﺞ إﺿﺎﻓﺔ إﻟﻰ اﻹﯾﺿﺎﺣﺎت‪.‬‬
‫ﻣﺎ ھو ھذا اﻟﻣﻧﺗﺞ؟‬

‫ﻣدة اﻟﻣﻧﺗﺞ‪:‬‬ ‫ﻧوع اﻟﻣﻧﺗﺞ‪:‬‬
‫ﻟﻠوﺛﯾﻘﺔ ﺗﺎرﯾﺦ اﻧﺗﮭﺎء وﺳوف ﺗﺳﺗﻣر ﺣﺗﻰ اﻟﺗﺻﻔﯾﺔ اﻟﻛﺎﻣﻠﺔ أو وﻓﺎة آﺧر ﻣؤﻣن ﻟﮫ ﻋﻠﻰ اﻟﺣﯾﺎة ﺑﺎﻗﻲ ﻋﻠﻰ ﻗﯾد اﻟﺣﯾﺎة‪.‬‬ ‫وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣﯾﻠﯾﺷن ﺑﻼن ھو ﻣﻧﺗﺞ اﺳﺗﺛﻣﺎر ﺗﻘﻠﯾدي ﻣرﺗﺑط ﺑوﺣدات ﻋﻠﻰ ﺷﻛل وﺛﯾﻘﺔ ﺗﺄﻣﯾن ﻋﻠﻰ اﻟﺣﯾﺎة ﺑﯾن ﻣﺎﻟك اﻟوﺛﯾﻘﺔ‬
‫وزﯾورﯾﺦ اﻧﺗرﻧﺎﺷﯾوﻧﺎل ﻻﯾف ﻟﯾﻣﺗد )"زﯾورﯾﺦ"(‬
‫ﻣﺎ ھﻲ اﻟﻣﺧﺎطر وﻣﺎ اﻟذي ﯾﻣﻛﻧﻧﻲ اﻟﺣﺻول ﻋﻠﯾﮫ ﻓﻲ اﻟﻣﻘﺎﺑل؟‬
‫أھداف اﻟﻣﻧﺗﺞ‪:‬‬
‫ﻻ ﺗﺷﻣل وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن أي ﺿﻣﺎن أو ﺣﻣﺎﯾﺔ ﻟرأس اﻟﻣﺎل ﻣن أداء اﻟﺳوق اﻟﻣﺳﺗﻘﺑﻠﻲ‪ ،‬ﻟذا ﯾﻣﻛﻧك أن ﺗﺧﺳر‬ ‫وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣﻠﯾﺷن ﺑﻼن ھو ﻣﻧﺗﺞ ﺑﻘﺳط ﺗﺄﻣﯾن ﻓردي ﺗم ﺗﺻﻣﯾﻣﮫ ﺑﺣﯾث ﯾﺳﻣﺢ ﻟﻣﺎﻟﻛﻲ اﻟوﺛﯾﻘﺔ اﻻﺳﺗﺛﻣﺎر ﻓﻲ ﻣﺟﻣوﻋﺔ ﻣن‬
‫ﺑﻌض أو ﻛﺎﻣل اﺳﺗﺛﻣﺎرك‪ .‬إذا ﻛﺎﻧت اﻻﺳﺗﺛﻣﺎرات اﻷﺳﺎﺳﯾﺔ اﻟﺗﻲ ﺗم اﺧﺗﯾﺎرھﺎ ﻣﺣﺗﻔظ ﺑﮭﺎ ﺑﻌﻣﻠﺔ ﺗﺧﺗﻠف ﻋن ﻋﻣﻠﺔ اﻟوﺛﯾﻘﺔ‬ ‫ﺧﯾﺎرات اﻻﺳﺗﺛﻣﺎر اﻟﻣرﺗﺑط ﺑوﺣدات ﻣن زﯾورﯾﺦ )"اﻟﺻﻧﺎدﯾق"(‪ .‬ﺗﺷﻣل ﻣﺟﻣوﻋﺔ اﻟﺻﻧﺎدﯾق اﻟﻣﻘدﻣﺔ ﺻﻧﺎدﯾق اﻷﺳﮭم‬
‫اﻟﺧﺎﺻﺔ ﺑك‪ ،‬ﺗﻧطﺑق رﺳوم ﺗﺣوﯾل اﻟﻌﻣﻠﺔ وﺳﯾﺗم ﺗﺣﻣﯾﻠﮭﺎ ﻋﻠﻰ اﻟوﺛﯾﻘﺔ‪ .‬ﻗد ﺗؤدي اﻟﺗﻐﯾﯾرات ﻓﻲ أﺳﻌﺎر اﻟﺻرف ﺑﯾن اﻟﻌﻣﻼت‬ ‫وﺻﻧﺎدﯾق اﻟﺳﻧدات واﻟﺻﻧﺎدﯾق اﻟﻧﻘدﯾﺔ واﻟﺻﻧﺎدﯾق اﻟﺗﻲ ﺑﮭﺎ ﻣزﯾﺞ ﻣن اﻷﺻول وﻏﯾرھﺎ ﻣن ﺧﯾﺎرات اﻻﺳﺗﺛﻣﺎر اﻷﺧرى‪.‬‬
‫إﻟﻰ ﺗﺧﻔﯾض ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪.‬‬ ‫ﯾﻌﺗﻣد اﻟﻌﺎﺋد ﺑﺎﻟﻧﺳﺑﺔ ﻟك أﻧت اﻟﻣﺳﺗﺛﻣر‪ ،‬ﻋﻠﻰ أداء اﻟﺻﻧﺎدﯾق اﻟﺗﻲ ﻗﻣت ﺑﺎﺧﺗﯾﺎرھﺎ‪ .‬ﯾﻣﻛن اﻟﺣﺻول ﻋﻠﻰ اﻟﻣﻌﻠوﻣﺎت اﻟﻣﺗﻌﻠﻘﺔ‬
‫ﺑﺎﻟﺻﻧﺎدﯾق اﻟﻣﺗﺎﺣﺔ ﻓﻲ ﻣرﻛز اﻟﺻﻧﺎدﯾق ﻓﻲ اﻹﻣﺎرات اﻟﻌرﺑﯾﺔ اﻟﻣﺗﺣدة ﻋﻠﻰ اﻟﻣوﻗﻊ اﻹﻟﻛﺗروﻧﻲ ‪.www.zurich.ae‬‬
‫ﻗد ﺗﻛون ھﻧﺎﻟك رﺳوم ﻣرﺗﺑطﺔ ﺑﺑﻌض اﻻﺳﺗﺛﻣﺎرات ﺣﺳﺑﻣﺎ ﯾﺣددھﺎ ﻣدﯾر اﻟﺻﻧدوق اﻷﺳﺎﺳﻲ‪ .‬إذا ﻛﺎن ﻧﻣو اﻻﺳﺗﺛﻣﺎرات‬
‫اﻷﺳﺎﺳﯾﺔ ﻻ ﯾﻐطﻲ رﺳوم اﻟﻣﻧﺗﺞ‪ ،‬ﻓﺈن ﻣن ﺷﺄن ھذا أن ﯾﺧﻔض ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪ .‬ﻗد ﯾﻣﺎرس ﻣدﯾر ﺻﻧدوق ﺣق ﺗﻌﻠﯾق‬ ‫ﻛﯾف ﯾﺗم ﺗﺣدﯾد اﻟﻌﺎﺋد؟‬
‫اﻟﺗداول ﻓﻲ ﺻﻧﺎدﯾﻘﮭم أو اﻷﺻول اﻻﺳﺎﺳﯾﺔ‪ .‬إذا ﺣدث ذﻟك ﯾﻣﻛﻧﻧﺎ أن ﻧؤﺧر ﺑﯾﻊ أو ﺷراء اﻟوﺣدات ﻓﻲ اﻟﺻﻧﺎدﯾق‪ ،‬وﯾﻣﻛﻧﻧﺎ‬ ‫ﯾﺗم ﺗﺣدﯾد ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺑﺄﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺗﻲ ﺗدﻓﻌﮭﺎ واﻟرﺳوم اﻟﺗﻲ ﻧﻘوم ﺑﺎﻗﺗطﺎﻋﮭﺎ ﻣن اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك وأداء‬
‫ﻛذﻟك أن ﻧؤﺧر أي دﻓﻊ ﻟك إذا ﻗﺎم ﻣدﯾر اﻟﺻﻧدوق ﺑﺗﺄﺟﯾل اﻟدﻓﻊ ﻟﻧﺎ ﻷي ﺳﺑب‪.‬‬ ‫اﻻﺳﺗﺛﻣﺎر ﻓﻲ اﻟﺻﻧﺎدﯾق اﻟﺗﻲ ﻗﻣت ﺑﺎﺧﺗﯾﺎرھﺎ‪ .‬ﺗرﺗﻔﻊ ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك وﺗﻧﺧﻔض ﺗﻣﺷﯾﺎ ﻣﻊ ﻗﯾﻣﺔ اﻟﺻﻧﺎدﯾق اﻟﺗﻲ ﻗﻣت‬
‫ﺑﺎﺧﺗﯾﺎرھﺎ‪.‬‬
‫ﺳوف ﯾﻘدم ﻟك اﻟﻣﺳﺗﺷﺎر اﻟﺧﺎص ﺑك إﯾﺿﺎﺣﺎت ﺷﺧﺻﯾﺔ ﺗﺧﺗﺎر ﻓﯾﮭﺎ ﻣﻌدل اﻟﻧﻣو اﻟذي ﯾﺗم اﺳﺗﺧداﻣﮫ ﻟﺗزوﯾدك ﺑﺳﯾﻧﺎرﯾوھﺎت‬
‫أداء ﺗﻘدﯾرﯾﺔ وﻗﯾم اﻟﺗﺻﻔﯾﺔ اﻟﻣﺳﺗﻘﺑﻠﯾﺔ ﺑﺎﻓﺗراض أن رﺳوم اﻟوﺛﯾﻘﺔ ﻗد ﺗم اﻗﺗطﺎﻋﮭﺎ وﺗم ﻛذﻟك دﻓﻊ ﺟﻣﯾﻊ أﻗﺳﺎط اﻟﺗﺄﻣﯾن‪ .‬إذا ﻛﺎن‬ ‫ھل ﯾﺗم ﺗوزﯾﻊ اﻟدﺧل أم إﻋﺎدة اﺳﺗﺛﻣﺎره؟‬
‫ﻣﻌدل اﻟﻧﻣو اﻟﻔﻌﻠﻲ اﻟذي ﺗم ﺗﺣﻘﯾﻘﮫ أﻗل ﻣن ﻣﻌدل اﻟﻧﻣو اﻟذي اﺧﺗرﺗﮫ‪ ،‬ﺗﻛون ﻗﯾم اﻟوﺛﯾﻘﺔ اﻟﺗﻲ ﺳﺗﺣﺻل ﻋﻠﯾﮭﺎ أﻗل ﻣﻣﺎ ﺗم‬ ‫ﯾﻘوم ﻣدﯾر اﻟﺻﻧدوق إﻣﺎ ﺑﺈﻋﺎدة اﺳﺗﺛﻣﺎر اﻟدﺧل ﻣن اﻟﺻﻧﺎدﯾق أو ﺗوزﯾﻌﮫ ﻛوﺣدات إﺿﺎﻓﯾﺔ ﻟﻠوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪.‬‬
‫إﯾﺿﺎﺣﮫ‪ .‬ﻗد ﺗﺧﺗﻠف اﻟﻣﺧﺎطر اﻟﻔﻌﻠﯾﺔ ﺑﺷﻛل ﻛﺑﯾر إذا ﻗﻣت ﺑﺗﺻﻔﯾﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺑﺎﻟﻛﺎﻣل ﻓﻲ ﻣرﺣﻠﺔ ﻣﺑﻛرة‪ ،‬وﻗد ﺗﺣﺻل‬
‫ﻋﻠﻰ أﻗل ﻣن اﻟﻣﺑﻠﻎ اﻟذي ﻗﻣت ﺑﺎﺳﺗﺛﻣﺎره‪.‬‬ ‫اﻟﻣﺳﺗﺛﻣرون اﻟﻣﺳﺗﮭدﻓون‬
‫ﺗﺳﺗﮭدف وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن اﻟﻣﺳﺗﺛﻣرﯾن اﻟذﯾن ﯾﺑﻠﻐون ﻣن اﻟﻌﻣر ‪ 18‬ﺳﻧﺔ ﻓﻣﺎ ﻓوق‪ ،‬واﻟذﯾن ﻟدﯾﮭم اﻟﻘدرة ﻋﻠﻰ‬
‫إذا ﻗﻣت ﺑﺗﺻﻔﯾﺔ وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن اﻟﺧﺎﺻﺔ ﺑك ﺑﺎﻟﻛﺎﻣل ﺧﻼل ‪ 3‬ﺳﻧوات ﻣن دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‪ ،‬ﯾﺗم ﺗطﺑﯾق ﻏراﻣﺔ‬ ‫اﺳﺗﺛﻣﺎر ‪ 30,000‬دوﻻر أﻣرﯾﻛﻲ أو أﻛﺛر‪ .‬ﯾﻣﻛﻧك أﯾﺿﺎ دﻓﻊ أﻗﺳﺎط ﺗﺄﻣﯾن ﻓردﯾﺔ إﺿﺎﻓﯾﺔ ﺑﻣﺑﻠﻎ ﻻ ﯾﻘل ﻋن ‪ 2,500‬دوﻻر‬
‫ﺗﺻﻔﯾﺔ‪ ،‬واﻟﺗﻲ ﺳوف ﺗﺧﻔض اﻟﻣﺑﻠﻎ اﻟذي ﺳﺗﺣﺻل ﻋﻠﯾﮫ‪ .‬ﻗد ﺗﻛون ﻣﻠزﻣﺎ ﺑدﻓﻊ ﺿرﯾﺑﺔ ﻋﻠﻰ ﻋﺎﺋدات اﻟوﺛﯾﻘﺔ اﺳﺗﻧﺎدا إﻟﻰ‬ ‫أﻣرﯾﻛﻲ‪ .‬ﺗﺳﺗﮭدف اﻟوﺛﯾﻘﺔ اﻷﺷﺧﺎص اﻟذﯾن ﻟﯾس ﻟدﯾﮭم ﺣﺎﺟﺔ ﻟﻠوﺻول اﻟﻔوري ﻷﻣواﻟﮭم واﻟذﯾن ﯾرﻏﺑون ﻓﻲ ﺗرك رأﺳﻣﺎﻟﮭم‬
‫ظروﻓك اﻟﺷﺧﺻﯾﺔ ﻓﻲ ذﻟك اﻟوﻗت )ﯾﺷﻣل ذﻟك ﺑﻠد اﻹﻗﺎﻣﺔ ﻷﻏراض اﻟﺿرﯾﺑﺔ(‬ ‫ﻟﯾﺗم اﺳﺗﺛﻣﺎره ﻟﻣدة ﻻ ﺗﻘل ﻋن ‪ 3‬ﺳﻧوات‪ .‬ﯾﺟب أن ﺗﻛون ﻟدى اﻟﻣﺳﺗﺛﻣر اﻟﻣﺳﺗﮭدف اﻟﻘدرة ﻋﻠﻰ ﻓﮭم وﺗﺣﻣل اﻟﻣﺧﺎطر‬
‫اﻟﻣرﺗﺑطﺔ ﺑﮭذا اﻟﻣﻧﺗﺞ‪ ،‬ﺑﻣﺎ ﻓﻲ ذﻟك اﻟﻘدرة ﻋﻠﻰ ﺗﺣﻣل ﺧﺳﺎﺋر اﻻﺳﺗﺛﻣﺎر اﻟﻣﺣﺗﻣﻠﺔ‪ ،‬إن وﺟدت‪ .‬ﻟﻠﺣﺻول ﻋﻠﻰ اﻟﻣزﯾد ﻣن‬
‫ﻣﺎذا ﯾﺣدث إذا ﻛﺎﻧت زﯾورﯾﺦ ﻏﯾر ﻗﺎدرة ﻋﻠﻰ اﻟدﻓﻊ؟‬ ‫اﻟﺗﻔﺎﺻﯾل ﺣول ﻣﺧﺎطر ھذا اﻟﻣﻧﺗﺞ ﯾرﺟﻰ اﻟرﺟوع إﻟﻰ ﺷروط وأﺣﻛﺎم اﻟوﺛﯾﻘﺔ‪.‬‬
‫زﯾورﯾﺦ ھﻲ ﺷرﻛﺔ ﺗﺄﻣﯾن ﻣﺷﺗرﻛﺔ ﻓﻲ ﺑرﻧﺎﻣﺞ ﺗﻌوﯾﺿﺎت ﺣﺎﻣﻠﻲ وﺛﺎﺋق اﻟﺗﺄﻣﯾن ﻓﻲ آﯾل أوف ﻣﺎن اﻟذي ﺗم إﻧﺷﺎؤه ﺑﻣوﺟب‬
‫ﻗواﻧﯾن اﻟﺗﺄﻣﯾن ﻋﻠﻰ اﻟﺣﯾﺎة ﻓﻲ آﯾل أوف ﻣﺎن ﻟﺳﻧﺔ ‪) 1991‬ﺗﻌوﯾض ﺣﺎﻣﻠﻲ وﺛﯾﻘﺔ اﻟﺗﺄﻣﯾن(‪ .‬إذا أﺻﺑﺣت زﯾورﯾﺦ ﻣﻌﺳرة‪ ،‬ﻓﺈن‬ ‫ﻣزاﯾﺎ اﻟﺗﺄﻣﯾن‪:‬‬
‫ﺻﻧدوق ﺗﻌوﯾﺿﺎت ﺣﺎﻣﻠﻲ وﺛﺎﺋق اﻟﺗﺄﻣﯾن اﻟذي ﺗم إﻧﺷﺎؤه ﺑﻣوﺟب ھذا اﻟﺑرﻧﺎﻣﺞ ﺳوف ﯾدﻓﻊ ﻣﺑﻠﻐﺎ ً ﯾﻌﺎدل ‪ %90‬ﻣن ﻣﺑﻠﻎ أي‬ ‫ﯾﻣﻛن أن ﯾﻛون اﻟﻣؤﻣن ﻟﮫ ﻋﻠﻰ اﻟﺣﯾﺎة ﺷﺧص واﺣد أو ﺷﺧﺻﯾن ﻻ ﺗﻘل أﻋﻣﺎرھﻣﺎ ﻋن ﺳﻧﺗﯾن وﻻ ﯾوﺟد ﺣد أﻗﺻﻰ ﻟﻠﻌﻣر‪.‬‬
‫اﻟﺗزام ﯾﻘﻊ ﻋﻠﻰ ﻋﺎﺗق زﯾورﯾﺦ ﺑﻣوﺟب ھذا اﻟﻌﻘد‪.‬‬
‫ﻣزﯾﺔ اﻟوﻓﺎة‬
‫ﻣﺎ ھﻲ اﻟﺗﻛﺎﻟﯾف؟‬ ‫ﻓﻲ ﺣﺎﻟﺔ وﻓﺎة آﺧر ﻣن ﺗﺑﻘﻰ ﻋﻠﻰ ﻗﯾد اﻟﺣﯾﺎة ﻣن اﻟﻣؤﻣن ﻟﮭﻣﺎ ﻋﻠﻰ اﻟﺣﯾﺎة ﺗدﻓﻊ زﯾورﯾﺦ ﻣﺎ ﻻ ﯾﻘل ﻋن ﻧﺳﺑﺔ ‪ %101‬ﻣن ﻗﯾﻣﺔ‬
‫ﯾﻣﻛن ﻣﻼﺣظﺔ اﻟﺗﺄﺛﯾر اﻟﻛﻠﻲ ﻟﻠﺗﻛﺎﻟﯾف أدﻧﺎه ﻋﻠﻰ ﻋﺎﺋد اﻟوﺛﯾﻘﺔ ﺑﺎﻟرﺟوع إﻟﻰ اﻹﯾﺿﺎﺣﺎت اﻟﺷﺧﺻﯾﺔ اﻟﺧﺎﺻﺔ ﺑك‪ .‬ﻗد ﯾﺣﺻل‬ ‫اﻟﺗﺻﻔﯾﺔ‪ .‬ﻓﻲ ﺑﻌض اﻟﺣﺎﻻت‪ ،‬ﺗدﻓﻊ زﯾورﯾﺦ ﻣزﯾﺔ ﺗﻐطﯾﺔ ﺗﺄﻣﯾﻧﯾﺔ إﺿﺎﻓﯾﺔ ﻋﻠﻰ اﻟﺣﯾﺎة واﻟﻣﺣددة ﻓﻲ اﻟﺷروط واﻷﺣﻛﺎم‬
‫اﻟﻣﺳﺗﺷﺎر اﻟﺧﺎص ﺑك اﻟذي ﻧﺻﺣك ﻋﻠﻰ دﻓﻊ )ﻋﻣوﻟﺔ( ﻣن زﯾورﯾﺦ واﻟﺗﻲ ﺳﺗﺳﺗردھﺎ زﯾورﯾﺦ ﻣن اﻟرﺳوم اﻟﺗﻲ ﺗدﻓﻌﮭﺎ ﺧﻼل‬
‫ﻣدة اﻟوﺛﯾﻘﺔ‪.‬‬
‫ﻛﯾف وﻣﺗﻰ ﯾﺗم ﺧﺻم اﻟرﺳم‬ ‫ﻗﯾﻣﺔ اﻟرﺳم‬ ‫اﺳم اﻟرﺳم‬
‫ﻧﻘوم ﺑﺎﻗﺗطﺎع ھذا اﻟرﺳم ﻓﻲ ﺑداﯾﺔ ﻛل ﺷﮭر وﺛﯾﻘﺔ ﺑﺈﻟﻐﺎء وﺣدات ﻣن اﻟﺻﻧدوق‪/‬‬ ‫ﯾﺗم اﺳﺗﺛﻣﺎر ﻧﺳﺑﺔ ‪ %100‬ﻣن أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺧﺎﺻﺔ ﺑك ﻓﻲ اﻟﺻﻧﺎدﯾق اﻟﺗﻲ ﺗﺧﺗﺎرھﺎ‪.‬‬ ‫رﺳم اﻟﺗﺄﺳﯾس‪:‬‬
‫اﻟﺻﻧﺎدﯾق اﻟﺧﺎﺻﺔ ﺑك ﻟﻣدة ﺗﺻل إﻟﻰ ﺛﻼث ﺳﻧوات‬ ‫ﯾﻧطﺑق رﺳم ﺗﺄﺳﯾس ﻋﻠﻰ ﻛل ﻗﺳط ﺗﺄﻣﯾن ﯾﺗم اﺳﺗﻼﻣﮫ‪ ،‬وﯾﺗم اﻗﺗطﺎﻋﮫ ﻟﻣدة ﺗﺻل إﻟﻰ ﺛﻼث ﺳﻧوات ﻣن‬
‫ﺗﺎرﯾﺦ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‪ .‬اﺳﺗﻧﺎدا إﻟﻰ ﻣﺑﻠﻎ ﻗﺳط اﻟﺗﺄﻣﯾن‪ ،‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم ﺑﻣﻌدل‪:‬‬
‫اﻟرﺳم اﻟﺷﮭري‬ ‫اﻟرﺳم اﻟﺳﻧوي‬ ‫اﻟﺳﻧﺔ‬

‫‪%0.17‬‬ ‫‪%2‬‬ ‫‪1‬‬
‫‪%0.17‬‬ ‫‪%2‬‬ ‫‪2‬‬
‫‪%0.04‬‬ ‫‪%0.5‬‬ ‫‪3‬‬
‫ﯾﺗم اﻗﺗطﺎﻋﮫ ﻣﻘدﻣﺎ ﻓﻲ ﺑداﯾﺔ ﻛل ﺷﮭر‪ .‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم ﻣن ﺻﻧﺎدﯾق اﻻﺳﺗﺛﻣﺎر اﻟﺗﻲ‬ ‫ﯾﺗم اﺣﺗﺳﺎب رﺳم ﺷﮭري ﺛﺎﺑت ﺑﻘﯾﻣﺔ ‪ USD 13.75‬ﻋﻠﻰ اﻟوﺛﯾﻘﺔ ﺣﺗﻰ ﯾﺻل إﺟﻣﺎﻟﻲ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﻣدﻓوﻋﺔ ‪60,000‬‬ ‫رﺳم اﻟوﺛﯾﻘﺔ اﻟﺳﻧوي‬
‫اﺧﺗرﺗﮭﺎ‬ ‫‪ USD‬أو ﻣﺎ ﯾﻌﺎدﻟﮫ ﺑﺎﻟﻌﻣﻼت اﻷﺧرى‬
‫ﯾﺗم اﻗﺗطﺎﻋﮫ ﻣﻘدﻣﺎ ﻓﻲ ﺑداﯾﺔ ﻛل ﺷﮭر طوال ﻣدة ﺳرﯾﺎن اﻟوﺛﯾﻘﺔ‪ .‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم‬ ‫ﺗﺳﺗﻧد اﻟﻧﺳﺑﺔ اﻟﻣﺋوﯾﺔ اﻟﺗﻲ ﯾﺗم اﻗﺗطﺎﻋﮭﺎ ﻋﻠﻰ ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ ﻓﻲ وﻗت اﻗﺗطﺎع اﻟرﺳم‬ ‫رﺳم إدارة اﻟوﺛﯾﻘﺔ‬
‫ﻣن ﺻﻧﺎدﯾق اﻻﺳﺗﺛﻣﺎر اﻟﺗﻲ اﺧﺗرﺗﮭﺎ‬ ‫اﻟرﺳم اﻟﺳﻧوي‬ ‫ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ‬
‫‪1%‬‬ ‫ﺣﺗﻰ ‪USD 29,999‬‬
‫‪0.8%‬‬ ‫ﺑﯾن ‪ USD 30,000‬و ‪USD 224,999‬‬
‫‪0.5%‬‬ ‫ﻣﺎ ﯾزﯾد ﻋن ‪USD 225,000‬‬
‫\‪\PO1‬‬ ‫\‪\PO2‬‬
‫‪Customer Signature‬‬ ‫‪Customer Signature‬‬

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‫ﯾﺗم اﻗﺗطﺎﻋﮫ ﻣن ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ ﻗﺑل دﻓﻊ ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫ﯾﺗم اﻗﺗطﺎع اﻟرﺳم إذا ﻗﻣت ﺑﺈﺟراء ﺗﺻﻔﯾﺔ ﺟزﺋﯾﺔ أو ﻛﻠﯾﺔ ﻟﻠوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺧﻼل أول ﺛﻼث ﺳﻧوات ﻣن دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‪.‬‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬
‫ﯾﻧﺧﻔض اﻟرﺳم ﻋﻠﻰ أﺳﺎس ﺷﮭري ﻋﻠﻰ ﻣدى ﺛﻼث ﺳﻧوات ﻟﯾﺻل إﻟﻰ اﻟﺻﻔر وھو ﻣﺑﯾن أدﻧﺎه‬
‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫اﻟﺷﮭور اﻟﻣﻧﻘﺿﯾﺔ ﻣﻧذ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫اﻟﺷﮭور اﻟﻣﻧﻘﺿﯾﺔ ﻣﻧذ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫اﻟﺷﮭور اﻟﻣﻧﻘﺿﯾﺔ ﻣﻧذ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬ ‫ﺟدول رﺳوم اﻟﺗﺻﻔﯾﺔ‬
‫‪%1.25‬‬ ‫‪26‬‬ ‫‪%3.33‬‬ ‫‪13‬‬ ‫‪%5.75‬‬ ‫‪0‬‬
‫‪%1.13‬‬ ‫‪27‬‬ ‫‪%3.17‬‬ ‫‪14‬‬ ‫‪%5.56‬‬ ‫‪1‬‬
‫‪%1‬‬ ‫‪28‬‬ ‫‪%3‬‬ ‫‪15‬‬ ‫‪%5.38‬‬ ‫‪2‬‬
‫‪%0.88‬‬ ‫‪29‬‬ ‫‪%2.83‬‬ ‫‪16‬‬ ‫‪%5.19‬‬ ‫‪3‬‬
‫‪%0.75‬‬ ‫‪30‬‬ ‫‪%2.67‬‬ ‫‪17‬‬ ‫‪%5‬‬ ‫‪4‬‬
‫‪%0.63‬‬ ‫‪31‬‬ ‫‪%2.5‬‬ ‫‪18‬‬ ‫‪%4.81‬‬ ‫‪5‬‬
‫‪%0.5‬‬ ‫‪32‬‬ ‫‪%2.33‬‬ ‫‪19‬‬ ‫‪%4.63‬‬ ‫‪6‬‬
‫‪%0.38‬‬ ‫‪33‬‬ ‫‪%2.17‬‬ ‫‪20‬‬ ‫‪%4.44‬‬ ‫‪7‬‬
‫‪%0.25‬‬ ‫‪34‬‬ ‫‪%2‬‬ ‫‪21‬‬ ‫‪%4.25‬‬ ‫‪8‬‬
‫‪%0.13‬‬ ‫‪35‬‬ ‫‪%1.83‬‬ ‫‪22‬‬ ‫‪%4.06‬‬ ‫‪9‬‬
‫‪%0‬‬ ‫‪36‬‬ ‫‪%1.67‬‬ ‫‪23‬‬ ‫‪%3.88‬‬ ‫‪10‬‬
‫‪%1.5‬‬ ‫‪24‬‬ ‫‪%3.69‬‬ ‫‪11‬‬
‫‪%1.38‬‬ ‫‪25‬‬ ‫‪%3.5‬‬ ‫‪12‬‬
‫ﯾﻧطﺑق ھذا اﻟرﺳم ﻓﻘط إذا ﺣوﻟت ﺑﯾن ﺻﻧﺎدﯾق ﺑﻌﻣﻼت ﻣﺧﺗﻠﻔﺔ‪ .‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم ﻣن‬ ‫‪ 0.175%‬ﻣن أي ﻣﺑﻠﻎ ﻣﺣول ﺑﯾن ﺻﻧﺎدﯾق ﺑﻌﻣﻼت اﻟﻣﺧﺗﻠﻔﺔ‬ ‫رﺳم ﺗﺣوﯾل اﻟﻌﻣﻠﺔ‬
‫اﻟﺻﻧدوق اﻟﻣﺣوﻟﺔ إﻟﯾﮫ ﻓورا ﺑﻌد ﻣﻌﺎﻟﺟﺔ اﻟﺗﺣوﯾل‬
‫ﯾﻧطﺑق ھذا اﻟرﺳم ﻓﻘط إذا دﻓﻌت ﻟﻧﺎ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺧﺎﺻﺔ ﺑك أو طﻠﺑت ﻣﻧﺎ دﻓﻊ‬ ‫إذا اﺣﺗﺟت إﻟﻰ ﺗﺣوﯾل أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺧﺎﺻﺔ ﺑك أو ﻋﺎﺋدات اﻟوﺛﯾﻘﺔ ﻣن ﻋﻣﻠﺔ اﻟوﺛﯾﻘﺔ إﻟﻰ ﻋﻣﻠﺔ أﺧرى ﻓﺈﻧﻧﺎ ﻧﺳﺗﺧدم ﺳﻌر‬ ‫رﺳم ﺻرف اﻟﻌﻣﻠﺔ‬
‫ﻋﺎﺋدات اﻟوﺛﯾﻘﺔ ﻟك ﺑﻌﻣﻠﺔ ﺗﺧﺗﻠف ﻋن ﻋﻣﻠﺔ اﻟوﺛﯾﻘﺔ‬ ‫ﺻرف ﯾﺷﻣل ھﺎﻣش ﺑﻧﺳﺑﺔ ‪ %1‬ﻟﻣﺻﻠﺣﺗﻧﺎ‬
‫اﻟﺗﻌدﯾﻼت ﻋﻠﻰ ﺷروط وأﺣﻛﺎم اﻟوﺛﯾﻘﺔ‬ ‫اﻟﻌﻣوﻟﺔ‬

‫ﺑﻘدر ﻣﺎ ﯾﻛون أي ﺗﻌدﯾل ﻣﺗﻧﺎﺳﺑﺎ وﻣطﻠوﺑﺎ ﺑﺻورة ﻣﻌﻘوﻟﺔ‪ ،‬ﯾﻣﻛﻧﻧﺎ أن ﻧﻐﯾر أﺣﻛﺎم وﺷروط وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن ﻟﻛﻲ‬ ‫ﺗﺻل اﻟﻌﻣوﻟﺔ اﻟﺗﻲ ﯾﺗم دﻓﻌﮭﺎ ]اﺳم اﻟﺑﻧك[ ﻣن ﺧﻼل وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن إﻟﻰ ‪ %4.5‬أﺿﻌﺎف ﻗﺳط اﻟﺗﺄﻣﯾن اﻟﻔردي‬
‫ﻧﺄﺧذ ﻓﻲ اﻻﻋﺗﺑﺎر ﻗرار ﺻﺎدر ﻋن ﻣﺣﻛﻣﺔ أو ھﯾﺋﺔ ﺣﻛوﻣﯾﺔ أو أﻣﯾن ﻣظﺎﻟم أو ﺟﮭﺔ ﺗﻧظﯾﻣﯾﺔ أو ھﯾﺋﺔ ﺻﻧﺎﻋﯾﺔ أو ھﯾﺋﺔ ﻣﻣﺎﺛﻠﺔ‬ ‫اﻟﻣﺳﺗﺛﻣر‬
‫أﺧرى‪ ،‬أو ﻟﻛﻲ ﻧﺄﺧذ ﻓﻲ اﻻﻋﺗﺑﺎر اﻟﺗﻌدﯾﻼت ﻓﻲ اﻟﻘﺎﻧون أو اﻟﺿراﺋب أو اﻟﺗوﺟﯾﮫ اﻟرﺳﻣﻲ أو ﻣدوﻧﺎت اﻟﻣﻣﺎرﺳﺎت اﻟﻣطﺑﻘﺔ‪.‬‬
‫ھل ﯾﻣﻛﻧﻧﻲ إﺟراء ﺳﺣب ﻣن اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑﻲ؟‬
‫ﺳوف ﻧﻘدم ﻟك إﺧطﺎرا ﺑﺄي ﺗﻌدﯾﻼت ﻋﻠﻰ ﺷروط وأﺣﻛﺎم اﻟوﺛﯾﻘﺔ ﻗﺑل ‪ 90‬ﯾوﻣﺎ ﻣن ﺣدوث اﻟﺗﻌدﯾل ﺣﯾﺛﻣﺎ ﯾﻛون ذﻟك ﻣﻣﻛﻧﺎ‪،‬‬ ‫ﯾﻣﻛﻧك اﺧﺗﯾﺎر إﺟراء ﺗﺻﻔﯾﺔ ﺟزﺋﯾﺔ اﺑﺗدا ًء ﻣن ‪ 1,000‬دوﻻر أﻣرﯾﻛﻲ أو إﻋداد ﺳﺣب ﻣﻧﺗظم اﺑﺗدا ًء ﻣن ‪ 500‬دوﻻر‬
‫وإذا ﻟم ﯾﻛن ﻣﻣﻛﻧﺎ ﻓﺳوف ﻧﻘدم ﻟك اﻹﺧطﺎر ﻓﻲ أﻗرب وﻗت ﻣﻣﻛن ﺑﺷﻛل ﻣﻌﻘول‪.‬‬ ‫أﻣرﯾﻛﻲ ﻓﻲ أي وﻗت ﺧﻼل ﺳرﯾﺎن اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪ .‬إذا ﻗﻣت ﺑﺈﺟراء ﺳﺣوﺑﺎت ﻣﻧﺗظﻣﺔ أو ﺗﺻﻔﯾﺔ ﺟزﺋﯾﺔ‪ ،‬ﺳﺗﻧﺧﻔض ﻗﯾﻣﺔ‬
‫اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك إﻟﻰ اﻟﺻﻔر وﺳوف ﺗﻧﺗﮭﻲ‪ .‬ﺗﺧﺿﻊ اﻟﺳﺣوﺑﺎت إﻟﻰ اﻟﺣد اﻷدﻧﻰ اﻟﻣﺗﺑﻘﻲ ﻣن ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ وﻗدره‬
‫‪ 20,000‬دوﻻر أﻣرﯾﻛﻲ‪.‬‬
‫ﺣق اﻹﻟﻐﺎء‬
‫ﻟدﯾك ﺣق إﻟﻐﺎء اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺧﻼل ‪ 30‬ﯾوﻣﺎ ﻣن اﺳﺗﻼم ﻣﺳﺗﻧدات اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك‪ .‬ﺳوف ﺗﺣﺗﺎج إﻟﻰ إﻛﻣﺎل إﺷﻌﺎر‬
‫اﻹﻟﻐﺎء اﻟﻣﻘدم ﻣﻊ ﺣزﻣﺔ اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك وإﻋﺎدﺗﮫ إﻟﻰ زﯾورﯾﺦ ﺑﺎﺳﺗﺧدام ﺗﻔﺎﺻﯾل اﻻﺗﺻﺎل اﻟﻣﺗﺎﺣﺔ ﻋﻠﻰ اﻟﻣوﻗﻊ‬
‫اﻹﻟﻛﺗروﻧﻲ ﻟزﯾورﯾﺦ ﯾﻣﻛﻧك أﯾﺿﺎ إﻟﻐﺎء اﻟوﺛﯾﻘﺔ ﻗﺑل اﺳﺗﻼم ﻣﺳﺗﻧدات اﻟوﺛﯾﻘﺔ ﻣن ﺧﻼل اﻻﺗﺻﺎل ﺑزﯾورﯾﺦ‪ .‬ﯾﺣق ﻟزﯾورﯾﺦ رد‬
‫ﻗﺳط اﻟﺗﺄﻣﯾن اﻟﺧﺎص ﺑك ﻧﺎﻗﺻﺎ أي اﻧﺧﻔﺎض ﻓﻲ ﻗﯾﻣﺔ اﻻﺳﺗﺛﻣﺎر ﯾﺣدث ﺧﻼل ﻓﺗرة اﻟـ‪ 30‬ﯾوﻣﺎ‬
‫إﺧﻼء ﻣﺳؤوﻟﯾﺔ‬
‫وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن ھﻲ ﻣﻧﺗﺞ ادﺧﺎر ﻣرﺗﺑط ﺑوﺣدات وﯾﺧﺿﻊ ﻟﻣﺧﺎطر اﻟﺳوق‪ .‬ﻻ ﯾﻌﺗﻣد وﯾﺟب أﻻ ﯾﻌﺗﻣد ﻋﻠﻰ اﻷداء اﻟﺳﺎﺑق ﻟﻠﺻﻧدوق ﻛﺿﻣﺎن ﻟﻠﻧﺗﺎﺋﺞ اﻟﻣﺳﺗﻘﺑﻠﯾﺔ‪ .‬ﺳوف ﺗﺗﻘﻠب ﻗﯾم وﺣدات اﻟﺻﻧدوق وأداء اﻻﺳﺗﺛﻣﺎر وﺗﺣﻣل ﺑﻌﺿﮭﺎ رﺳوم ﻣرﺗﺑطﺔ‬
‫ﺑذﻟك‪.‬‬
‫اﻟﻣﻌﻠوﻣﺎت اﻟواردة ﻓﻲ ﺑﯾﺎن اﻟﺣﻘﺎﺋق اﻟرﺋﯾﺳﯾﺔ ھذا ﻟﯾس ﻛﺎﻣل ﺷروط اﻟﻌﻘد واﻟﺗﻲ ﺗرد ﺿﻣن ﺷروط وأﺣﻛﺎم وﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن واﻟﻣﺗﺎﺣﺔ ﻓﻲ اﻟﻣوﻗﻊ اﻹﻟﻛﺗروﻧﻲ ﻟزﯾورﯾﺦ ‪ .www.zurich.ae‬ﯾﺟب اﻟﻧظر ﻓﻲ ﻛﻼ اﻟﻣﺳﺗﻧدﯾن ﺑﺎﻻﻗﺗران ﻣﻊ‬
‫ﺑﺎﻹﯾﺿﺎﺣﺎت اﻟﺷﺧﺻﯾﺔ اﻟﺧﺎﺻﺔ ﺑك وﺟدول اﻟوﺛﯾﻘﺔ وأي ﻣﻼﺣق ﻟﻠوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺻﺎدرة ﻋﻧﺎ‪.‬‬
‫ﺑﺎﻟﺗوﻗﯾﻊ ﻋﻠﻰ ھذا اﻟﻣﺳﺗﻧد ﻓﺈﻧك ﺗواﻓق ﻋﻠﻰ ﻓﮭﻣك ﻟﻣﺧﺎطر ورﺳوم وﻋﻣوﻟﺔ وﻣﺻروﻓﺎت اﻻﺳﺗﺛﻣﺎر اﻟﺗﻲ ﯾﻣﻛن أن ﯾﺗم ﺗﻛﺑدھﺎ ﻣن ﺧﻼل ﺷراء ھذا اﻟﻣﻧﺗﺞ‬
‫\‪\PO1‬‬ ‫\‪\PO2‬‬

‫ﻣﻠﺧص ﻟﻠرﺳوم واﻟﻣﺻﺎرﯾف‬

‫ﻣﺎ ھﻲ اﻟﺗﻛﺎﻟﯾف؟‬
‫ﯾﻣﻛن ﻣﻼﺣظﺔ اﻟﺗﺄﺛﯾر اﻟﻛﻠﻲ ﻟﻠﺗﻛﺎﻟﯾف أدﻧﺎه ﻋﻠﻰ ﻋﺎﺋد اﻟوﺛﯾﻘﺔ ﺑﺎﻟرﺟوع إﻟﻰ اﻹﯾﺿﺎﺣﺎت اﻟﺷﺧﺻﯾﺔ اﻟﺧﺎﺻﺔ ﺑك‪ .‬ﻗد ﯾﺣﺻل اﻟوﺳﯾط اﻟذي ﻧﺻﺣك ﻋﻠﻰ دﻓﻊ )ﻋﻣوﻟﺔ( ﻣن زﯾورﯾﺦ واﻟﺗﻲ ﯾﺗم دﻓﻌﮭﺎ ﻣن اﻟرﺳوم اﻟﺗﻲ ﯾﺗم اﻗﺗطﺎﻋﮭﺎ ﻣن اﻟوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺧﻼل اﻟﻣدة‪.‬‬
‫ﻧﻘوم ﺑﺎﻗﺗطﺎع ھذا اﻟرﺳم ﻓﻲ ﺑداﯾﺔ ﻛل ﺷﮭر وﺛﯾﻘﺔ ﺑﺈﻟﻐﺎء وﺣدات ﻣن اﻟﺻﻧدوق‪/‬‬ ‫ﯾﺗم اﺳﺗﺛﻣﺎر ﻧﺳﺑﺔ ‪ %100‬ﻣن أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺧﺎﺻﺔ ﺑك ﻓﻲ اﻟﺻﻧﺎدﯾق اﻟﺗﻲ ﺗﺧﺗﺎرھﺎ‪.‬‬ ‫رﺳم اﻟﺗﺄﺳﯾس‪:‬‬
‫اﻟﺻﻧﺎدﯾق اﻟﺧﺎﺻﺔ ﺑك ﻟﻣدة ﺗﺻل إﻟﻰ ﺛﻼث ﺳﻧوات‬
‫ﯾﻧطﺑق رﺳم ﺗﺄﺳﯾس ﻋﻠﻰ ﻛل ﻗﺳط ﺗﺄﻣﯾن ﯾﺗم اﺳﺗﻼﻣﮫ‪ ،‬وﯾﺗم اﻗﺗطﺎﻋﮫ ﻟﻣدة ﺗﺻل إﻟﻰ ﺛﻼث ﺳﻧوات ﻣن‬
‫ﺗﺎرﯾﺦ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‪ .‬اﺳﺗﻧﺎدا إﻟﻰ ﻣﺑﻠﻎ ﻗﺳط اﻟﺗﺄﻣﯾن‪ ،‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم ﺑﻣﻌدل‪:‬‬
‫اﻟرﺳم اﻟﺷﮭري‬ ‫اﻟرﺳم اﻟﺳﻧوي‬ ‫اﻟﺳﻧﺔ‬

‫‪%0.17‬‬ ‫‪%2‬‬ ‫‪1‬‬
‫‪%0.17‬‬ ‫‪%2‬‬ ‫‪2‬‬
‫‪%0.04‬‬ ‫‪%0.5‬‬ ‫‪3‬‬
‫ﯾﺗم اﻗﺗطﺎﻋﮫ ﻣﻘدﻣﺎ ﻓﻲ ﺑداﯾﺔ ﻛل ﺷﮭر‪ .‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم ﻣن ﺻﻧﺎدﯾق اﻻﺳﺗﺛﻣﺎر اﻟﺗﻲ‬ ‫ﯾﺗم اﺣﺗﺳﺎب رﺳم ﺷﮭري ﺛﺎﺑت ﺑﻘﯾﻣﺔ ‪ USD 13.75‬ﻋﻠﻰ اﻟوﺛﯾﻘﺔ ﺣﺗﻰ ﯾﺻل إﺟﻣﺎﻟﻲ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﻣدﻓوﻋﺔ ‪60,000‬‬ ‫رﺳم اﻟوﺛﯾﻘﺔ اﻟﺳﻧوي‬
‫اﺧﺗرﺗﮭﺎ‬ ‫‪ USD‬أو ﻣﺎ ﯾﻌﺎدﻟﮫ ﺑﺎﻟﻌﻣﻼت اﻷﺧرى‬
‫ﯾﺗم اﻗﺗطﺎﻋﮫ ﻣﻘدﻣﺎ ﻓﻲ ﺑداﯾﺔ ﻛل ﺷﮭر طوال ﻣدة ﺳرﯾﺎن اﻟوﺛﯾﻘﺔ‪ .‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم‬ ‫ﺗﺳﺗﻧد اﻟﻧﺳﺑﺔ اﻟﻣﺋوﯾﺔ اﻟﺗﻲ ﯾﺗم اﻗﺗطﺎﻋﮭﺎ ﻋﻠﻰ ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ ﻓﻲ وﻗت اﻗﺗطﺎع اﻟرﺳم‬ ‫رﺳم إدارة اﻟوﺛﯾﻘﺔ‬
‫ﻣن ﺻﻧﺎدﯾق اﻻﺳﺗﺛﻣﺎر اﻟﺗﻲ اﺧﺗرﺗﮭﺎ‬ ‫اﻟرﺳم اﻟﺳﻧوي‬ ‫ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ‬
‫‪1%‬‬ ‫ﺣﺗﻰ ‪USD 29,999‬‬
‫‪0.8%‬‬ ‫ﺑﯾن ‪ USD 30,000‬و ‪USD 224,999‬‬
‫‪0.5%‬‬ ‫ﻣﺎ ﯾزﯾد ﻋن ‪USD 225,000‬‬
‫ﯾﺗم اﻗﺗطﺎﻋﮫ ﻣن ﻗﯾﻣﺔ اﻟوﺛﯾﻘﺔ ﻗﺑل دﻓﻊ ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ‬ ‫ﯾﺗم اﻗﺗطﺎع اﻟرﺳم إذا ﻗﻣت ﺑﺈﺟراء ﺗﺻﻔﯾﺔ ﺟزﺋﯾﺔ أو ﻛﻠﯾﺔ ﻟﻠوﺛﯾﻘﺔ اﻟﺧﺎﺻﺔ ﺑك ﺧﻼل أول ﺛﻼث ﺳﻧوات ﻣن دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‪.‬‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬
‫ﯾﻧﺧﻔض اﻟرﺳم ﻋﻠﻰ أﺳﺎس ﺷﮭري ﻋﻠﻰ ﻣدى ﺛﻼث ﺳﻧوات ﻟﯾﺻل إﻟﻰ اﻟﺻﻔر وھو ﻣﺑﯾن أدﻧﺎه‬
‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫اﻟﺷﮭور اﻟﻣﻧﻘﺿﯾﺔ ﻣﻧذ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫اﻟﺷﮭور اﻟﻣﻧﻘﺿﯾﺔ ﻣﻧذ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬ ‫رﺳم اﻟﺗﺻﻔﯾﺔ‬ ‫اﻟﺷﮭور اﻟﻣﻧﻘﺿﯾﺔ ﻣﻧذ دﻓﻊ ﻗﺳط اﻟﺗﺄﻣﯾن‬ ‫ﺟدول رﺳوم اﻟﺗﺻﻔﯾﺔ‬
‫‪%1.25‬‬ ‫‪26‬‬ ‫‪%3.33‬‬ ‫‪13‬‬ ‫‪%5.75‬‬ ‫‪0‬‬
‫‪%1.13‬‬ ‫‪27‬‬ ‫‪%3.17‬‬ ‫‪14‬‬ ‫‪%5.56‬‬ ‫‪1‬‬
‫‪%1‬‬ ‫‪28‬‬ ‫‪%3‬‬ ‫‪15‬‬ ‫‪%5.38‬‬ ‫‪2‬‬
‫‪%0.88‬‬ ‫‪29‬‬ ‫‪%2.83‬‬ ‫‪16‬‬ ‫‪%5.19‬‬ ‫‪3‬‬
‫‪%0.75‬‬ ‫‪30‬‬ ‫‪%2.67‬‬ ‫‪17‬‬ ‫‪%5‬‬ ‫‪4‬‬
‫‪%0.63‬‬ ‫‪31‬‬ ‫‪%2.5‬‬ ‫‪18‬‬ ‫‪%4.81‬‬ ‫‪5‬‬
‫‪%0.5‬‬ ‫‪32‬‬ ‫‪%2.33‬‬ ‫‪19‬‬ ‫‪%4.63‬‬ ‫‪6‬‬
‫‪%0.38‬‬ ‫‪33‬‬ ‫‪%2.17‬‬ ‫‪20‬‬ ‫‪%4.44‬‬ ‫‪7‬‬
‫‪%0.25‬‬ ‫‪34‬‬ ‫‪%2‬‬ ‫‪21‬‬ ‫‪%4.25‬‬ ‫‪8‬‬
‫‪%0.13‬‬ ‫‪35‬‬ ‫‪%1.83‬‬ ‫‪22‬‬ ‫‪%4.06‬‬ ‫‪9‬‬
‫‪%0‬‬ ‫‪36‬‬ ‫‪%1.67‬‬ ‫‪23‬‬ ‫‪%3.88‬‬ ‫‪10‬‬
‫‪%1.5‬‬ ‫‪24‬‬ ‫‪%3.69‬‬ ‫‪11‬‬
‫‪%1.38‬‬ ‫‪25‬‬ ‫‪%3.5‬‬ ‫‪12‬‬
‫ﯾﻧطﺑق ھذا اﻟرﺳم ﻓﻘط إذا ﺣوﻟت ﺑﯾن ﺻﻧﺎدﯾق ﺑﻌﻣﻼت ﻣﺧﺗﻠﻔﺔ‪ .‬ﯾﺗم اﻗﺗطﺎع اﻟرﺳم ﻣن‬ ‫‪ 0.175%‬ﻣن أي ﻣﺑﻠﻎ ﻣﺣول ﺑﯾن ﺻﻧﺎدﯾق ﺑﻌﻣﻼت اﻟﻣﺧﺗﻠﻔﺔ‬ ‫رﺳم ﺗﺣوﯾل اﻟﻌﻣﻠﺔ‬
‫اﻟﺻﻧدوق اﻟﻣﺣوﻟﺔ إﻟﯾﮫ ﻓورا ﺑﻌد ﻣﻌﺎﻟﺟﺔ اﻟﺗﺣوﯾل‬
‫ﯾﻧطﺑق ھذا اﻟرﺳم ﻓﻘط إذا دﻓﻌت ﻟﻧﺎ أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺧﺎﺻﺔ ﺑك أو طﻠﺑت ﻣﻧﺎ دﻓﻊ‬ ‫إذا اﺣﺗﺟت إﻟﻰ ﺗﺣوﯾل أﻗﺳﺎط اﻟﺗﺄﻣﯾن اﻟﺧﺎﺻﺔ ﺑك أو ﻋﺎﺋدات اﻟوﺛﯾﻘﺔ ﻣن ﻋﻣﻠﺔ اﻟوﺛﯾﻘﺔ إﻟﻰ ﻋﻣﻠﺔ أﺧرى ﻓﺈﻧﻧﺎ ﻧﺳﺗﺧدم ﺳﻌر‬ ‫رﺳم ﺻرف اﻟﻌﻣﻠﺔ‬
‫ﻋﺎﺋدات اﻟوﺛﯾﻘﺔ ﻟك ﺑﻌﻣﻠﺔ ﺗﺧﺗﻠف ﻋن ﻋﻣﻠﺔ اﻟوﺛﯾﻘﺔ‬ ‫ﺻرف ﯾﺷﻣل ھﺎﻣش ﺑﻧﺳﺑﺔ ‪ %1‬ﻟﻣﺻﻠﺣﺗﻧﺎ‬
‫أداء اﻟﺻﻧدوق‬
‫ﯾﻣﻛن اﻟﺣﺻول ﻋﻠﻰ اﻟﻣﻌﻠوﻣﺎت اﻟﺧﺎﺻﺔ ﺑﺎﻟﺻﻧدوق ﺑﻣﺎ ﻓﻲ ذﻟك ﺗﻔﺎﺻﯾل اﻷداء اﻟﺳﺎﺑق ﻣن ﺷﮭر إﻟﻰ وﻗت إطﻼق اﻟﺻﻧدوق ﻷول ﻣرة ﻓﻲ ﻣرﻛز اﻟﺻﻧﺎدﯾق ﻟزﯾورﯾﺦ ﻋﻠﻰ اﻟﻣوﻗﻊ اﻹﻟﻛﺗروﻧﻲ ‪ www.zurich.ae‬ﯾﻣﻛﻧك اﺧﺗﯾﺎر اﻟﺻﻧﺎدﯾق ﻋﻧد اﻟﺗﻘدﯾم ﻟﻠوﺛﯾﻘﺔ‪.‬‬
‫أطراف اﻟﻌﻘد‬
‫ﺳﺗﻛون أﻧت ﻣﺎﻟك اﻟوﺛﯾﻘﺔ واﻟﻣﺳؤول ﻋن دﻓﻊ ﺟﻣﯾﻊ أﻗﺳﺎط اﻟﺗﺄﻣﯾن ﻋﻧد اﺳﺗﺣﻘﺎﻗﮭﺎ وﯾﺣق ﻟك اﺳﺗﻼم ﻣزاﯾﺎ اﻟوﺛﯾﻘﺔ‪ .‬زﯾورﯾﺦ ھﻲ ﻣزود ﺧدﻣﺔ اﻟﺗﺄﻣﯾن اﻟﺗﻲ ﺗزودك ﺑﺎﻟﻣزاﯾﺎ اﻟﺗﻲ ﺗﺧﺗﺎرھﺎ وﺗﺳﺗرد رﺳوﻣﮭﺎ ﻋن ﺗﻘدﯾم ھذه اﻟﻣزاﯾﺎ وﻋن إدارةاﻟوﺛﯾﻘﺔ ﻣن اﻟرﺳوم اﻟﻣﺑﯾﻧﺔ‬
‫أﻋﻼه‪ First Abu Dhabi Bank PJSC .‬ھو اﻟوﺳﯾط‪/‬اﻟﻣوزع اﻟذي ﯾﻘوم ﺑﺎﻟﺗﺳوﯾق وإﺳداء اﻟﻣﺷورة ﻟك ﺑﺷﺄن اﻟﻣﻧﺗﺟوﯾﺣﺻل ﻋﻠﻰ ﻋﻣوﻟﺔ ﻋﻠﻰ اﻟﻧﺣو اﻟﻣﺑﯾن أدﻧﺎه‪.‬‬
‫اﻟﺗﺻﻔﯾﺔ اﻟﺟزﺋﯾﺔ واﻟﻛﻠﯾﺔ‪:‬‬

‫ﻟن ﯾﻛون ھﻧﺎﻟك رﺳم ﻋﻠﻰ اﻟﺗﺻﻔﯾﺎت اﻟﺟزﺋﯾﺔ ﻣﻊ ذﻟك ﺗﺧﺿﻊ اﻟﺳﺣوﺑﺎت ﻟﺣد أدﻧﻰ ﻣﺗﺑﻘﻲ ﻣن ﻗﯾﻣﺔ اﻟﺗﺻﻔﯾﺔ ﻗدره ‪ 20,000‬دوﻻر أﻣرﯾﻛﻲ‪ .‬ﻓﯾﻣﺎ ﯾﺗﻌﻠق ﺑﺎﻟﺗﺻﻔﯾﺔ اﻟﻛﻠﯾﺔ‪ ،‬ﯾﺗم ﺗطﺑﯾق رﺳم إذا ﺗم إﺟراء اﻟﺗﺻﻔﯾﺔ ﻗﺑل أول ﺛﻼث ﺳﻧوات‪ .‬ﻟﻠﺣﺻول ﻋﻠﻰ ﻣزﯾد ﻣن‬
‫اﻟﻣﻌﻠوﻣﺎت ﯾرﺟﻰ اﻟرﺟوع ﻟﺷروط وأﺣﻛﺎم وﺛﯾﻘﺔ وﯾﻠث أﻛوﻣﯾﻠﯾﺷن ﺑﻼن‪.‬‬
‫اﻟﻌﻣوﻟﺔ‬
‫ﺗﺻل اﻟﻌﻣوﻟﺔ اﻟﺗﻲ ﯾﺗم دﻓﻌﮭﺎ ‪ First Abu Dhabi Bank PJSC‬ﻟدوره ﻛﻣوزع ﻟوﺛﯾﻘﺔ وﯾﻠث أﻛﯾوﻣوﻟﯾﺷن ﺑﻼن إﻟﻰ ‪ %4.5‬أﺿﻌﺎف ﻗﺳط اﻟﺗﺄﻣﯾن اﻟﻔردي اﻟﻣﺳﺗﺛﻣر‪.‬‬
‫\‪\PO1‬‬ ‫\‪\PO2‬‬


2tjbol8u Wapl2 Biq 1677589538990

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2tjbol8u Wapl2 Biq 1677589538990

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Wealth Accumulation Plan

Personal Quote for Mr Pedro Alexandre Correia Melo Da Ascencao

Premium amount USD 350,000 single premium

28-Feb-2023 17:05 v4.9 2TJBOL8U/8904162/-/F/-/E/-/-/-/-/-/-/0%/WAPL2 Page 2 of 7 FAB

1 350,000 0 360,218 347,968

2 350,000 0 370,944 365,694

3 350,000 0 387,596 387,596

4 350,000 0 406,874 406,874

5 350,000 0 427,110 427,110

6 350,000 0 448,354 448,354

7 350,000 0 470,654 470,654

8 350,000 0 494,062 494,062

9 350,000 0 518,636 518,636

10 350,000 0 544,431 544,431

11 350,000 0 571,509 571,509

12 350,000 0 599,935 599,935

13 350,000 0 629,774 629,774

14 350,000 0 661,097 661,097

15 350,000 0 693,978 693,978

16 350,000 0 728,494 728,494

17 350,000 0 764,727 764,727

18 350,000 0 802,763 802,763

19 350,000 0 842,690 842,690

20 350,000 0 884,603 884,603

21 350,000 0 928,600 928,600

22 350,000 0 974,786 974,786

23 350,000 0 1,023,269 1,023,269

24 350,000 0 1,074,164 1,074,164

25 350,000 0 1,127,589 1,127,589

28-Feb-2023 17:05 v4.9 2TJBOL8U/8904162/-/F/-/E/-/-/-/-/-/-/0%/WAPL2 Page 3 of 7 FAB

26 350,000 0 1,183,672 1,183,672

27 350,000 0 1,242,545 1,242,545

28 350,000 0 1,304,345 1,304,345

29 350,000 0 1,369,219 1,369,219

30 350,000 0 1,437,320 1,437,320

28-Feb-2023 17:05 v4.9 2TJBOL8U/8904162/-/F/-/E/-/-/-/-/-/-/0%/WAPL2 Page 4 of 7 FAB

Full details can be found online at https://www.zurich.ae/home/legal-and-privacy or contact us for a copy.

Note: the product has limited or no protection beneﬁt.

Signature of applicant Signature of applicant 2 (if applicable)

The following section to be completed by the relevant ﬁnancial professional

Signature of Financial Professional Day/Month/Year

Agency Name FAB

28-Feb-2023 17:05 v4.9 2TJBOL8U/8904162/-/F/-/E/-/-/-/-/-/-/0%/WAPL2 Page 5 of 7 FAB

Illustrative Values - Appendix

3 350,000 314,329 0 314,329 360,258 0 360,258 387,596 0 387,596

4 350,000 308,070 0 308,070 369,214 0 369,214 406,874 0 406,874

5 350,000 301,935 0 301,935 378,394 0 378,394 427,110 0 427,110

6 350,000 295,922 0 295,922 387,801 0 387,801 448,354 0 448,354

7 350,000 290,029 0 290,029 397,443 0 397,443 470,654 0 470,654

8 350,000 284,254 0 284,254 407,324 0 407,324 494,062 0 494,062

9 350,000 278,593 0 278,593 417,450 0 417,450 518,636 0 518,636

10 350,000 273,045 0 273,045 427,829 0 427,829 544,431 0 544,431

11 350,000 267,608 0 267,608 438,466 0 438,466 571,509 0 571,509

12 350,000 262,279 0 262,279 449,367 0 449,367 599,935 0 599,935

13 350,000 257,056 0 257,056 460,539 0 460,539 629,774 0 629,774

14 350,000 251,937 0 251,937 471,989 0 471,989 661,097 0 661,097

15 350,000 246,920 0 246,920 483,723 0 483,723 693,978 0 693,978

16 350,000 242,003 0 242,003 495,749 0 495,749 728,494 0 728,494

17 350,000 237,184 0 237,184 508,074 0 508,074 764,727 0 764,727

18 350,000 232,461 0 232,461 520,706 0 520,706 802,763 0 802,763

19 350,000 227,831 0 227,831 533,652 0 533,652 842,690 0 842,690

20 350,000 223,071 0 223,071 546,919 0 546,919 884,603 0 884,603

21 350,000 217,974 0 217,974 560,517 0 560,517 928,600 0 928,600