6- Credit evaluation requires no outstanding debts or delays exceeding 29 days for existing commitments, following debt burden instructions

7- In case of cancellation, the total commission is deducted for the entire installment period

8- I commit to transferring my salary to the bank for the duration of using this service

9- I will bear the Installment service commission, which is 1% monthly for point-of-sale transactions, 1.5% monthly for ATM withdrawals, and 2% monthly for online purchases. The bank reserves the right to modify commissions and rates at any time

10- I authorize the bank to deduct the fully utilized amount from my salary when it is received or at the end of the month, whichever comes first, from any of my accounts with the bank or any entitlements due to me without needing a separate agreement

11- If my salary does not arrive for any reason, I agree that the bank can continue to charge the monthly commission using the exact mechanism until full payment is made while retaining the right to take any necessary actions for payment

12- If the bank resorts to legal action to claim the balance, I agree that the debit balance is applied from the due date until full payment

13- This service continues as long as the bank's instructions allow, and the bank has the unilateral right to terminate this service at any time without stating reasons and without assuming any legal responsibility

14- I acknowledge that the bank's records and books constitute conclusive evidence of the amounts recorded in the account and any added services, expenses, and commissions. I acknowledge that they are final, accurate, clear, and legally sufficient to prove the debt, and I cannot object to them after 51 days from the account statement date

15- I undertake to notify the bank immediately if my current employment with my current employer ends for any reason or if I change my place of residence address

16- We authorize Housing Bank for Trade and Finance to inquire about any credit information of us as debtors and/or guarantors, whether from within the bank or from the Central Bank of Jordan, the Association of Banks, or other licensed financial institutions or any other external entity authorized by the Central Bank of Jordan, to verify the information provided by us and any additional information that may assist it in making an approval decision. The bank has absolute discretion to approve or disapprove without stating reasons, except for the information in the customer's credit report related to their failure to fulfill their obligations, leading to the denial of credit

17- In the event of any complaints related to this contract, the customer has the right to submit these complaints to the Customer Complaints Unit at the bank's General Management, which is responsible for handling customer complaints, as announced at the bank's branches. The bank will investigate and verify the complaint within thirty days from the date of complaint submission