AUTOMATED BANKING SERVICES BUSINESS

AUTOMATED BANKING SERVICES BUSINESS Relationship Number Master Number COMPAN DETAILS (Mandatory) Full name (as in trade license):... Trade License No:... Chamber of Commerce No.:... Mailing address:... Email address:... Department:... P.O. Box:... Emirate:... Country:... Contact in Company:... Tel. Off.:... Mobile:... Fax No.:... PHONEBANKING We authorise the Bank to post the TIN to the address of the organisation (as recorded with the Bank.) Account Number Call 04 313 8888 estatement/eadvice Account Number (1)... Account Number (2)... Account Number (3)... Account Number (4)... Email address:... Please indicate whether you would like to Subscribe or Unsubscribe (if already subscribed) for e-statements Subscribe Unsubscribe Please specify the frequency at which you wish to receive the e-statement Daily Weekly Monthly Fortnightly Quarterly AMENDMENTS: Email address Current Email address New Email address Frequency at which you wish to receive the e-statement Current Frequency Daily Weekly Monthly New Frequency Daily Weekly Monthly Please complete the Account Numbers and Email address fields. Page No. 1/6

Branch directory Bur Main Branch P.O. Box 999 Al Mankhool Road Deira P.O. Box 1125 Al Nasr Square Gold Souk P.O. Box 64555 Gold Land Building Dragon Mart P.O. Box 4166 Al Awir Road Emaar Business Park P.O. Box 103668 Building #3 Jebel Ali P.O. Box 16920 P.O. Box 5 Al Boorj Avenue Sheikh Hamdan Street P.O. Box 240 Al Fardan Tower Al Istiqlal Street P.O. Box 241 Al Ain P.O. Box 1240 Main Street Near Clock Tower Al Ain Call 04 313 8888 www.standardchartered.com/ae Page No. 4/6

TERMS AND CONDITIONS FOR AUTOMATED BANKING SERVICES: 1. Automated Banking Services include Phone Banking, estatements, ibanking and Debit Card service together or as individual services as applied for by me/us from time to time. 2. I/We agree to keep the Bank indemnified against all actions, proceedings, liabilities and claims, cases, damages, costs and expenses (including legal costs) in relation to or arising out of the Bank accepting my/our instructions and/or transmitting information, statements or advices electronically or telephonically. 3. I/We hereby agree to pay all fees and charges which the Bank may impose from time to time in connection with these services in the manner stipulated by the Bank. Phone Banking 1. I/We hereby instruct and authorise the Bank to mail or courier my/our Telephone Identification Number (TIN) relating to my/our access to Phone Banking to the mailing address given overleaf, and I/we accept that the risk of non-receipt and/or disclosure of the TIN to an unauthorised third party shall be fully borne by me/us and I/we indemnify the Bank against any losses, costs (including legal costs) or damages that I/we may incur as a result thereof. 2. I/We authorise the Bank (in its absolute discretion) to follow/act on my/our oral/ touch-tone instructions (including any instruction required or given by me/us in relation to these terms and conditions unless otherwise expressly stated to the contrary). 3. I/We shall not reveal my/our TIN to anyone. My/Our oral/touch-tone instruction(s) identified by my/our correct Bank Account Number and TIN shall be deemed to be proper. Accordingly, the Bank shall be entitled to rely on any such instructions. Should the Bank accept any such instructions from me/us, or from another person purporting to be me/us, I/we hereby agree to indemnify the Bank against any losses, damages, cost (including legal cost) or demands incurred by the Bank as result of or, in connection, therewith. 4. The Bank may in its absolute discretion require that written confirmation of my/our oral/touch-tone instruction(s) be received by it within such period as the Bank may specify. 5. Where any of my/our accounts mentioned overleaf are opened by more than one person, any such one person shall be entitled to give any such oral/touch-tone instructions and the Bank shall be entitled to rely upon any such instructions. estatement 1. I/we hereby instruct and authorise the Bank to send my/our account statement(s) and advice(s) to the email address specified overleaf, at the requested frequency, and cancel any existing instruction(s) to hold mail or to send such statement(s) and advice(s) by post or courier services. Furthermore, I/we unconditionally agree that all statement(s) and advice(s) sent by the Bank for the mentioned account(s) overleaf shall be accepted and upheld by me/us as correct, unless I/we give the Bank notice of any discrepancies within 14 days of date of the statement. I/We hereby expressly waive any of my/our legal rights, past or future, against the Bank for providing this service and fully accept the risks and responsibilities associated with transmitting statement(s) and advice(s) electronically. I/We understand and accept that the Bank does not warrant against any external factors affecting the privacy and/or security of emails during internet transmission. 2. The Bank shall not be liable or responsible for data corruption, delay, interception of an unauthorised amendment of the information from time to time and at any time. ibanking 1. I/We acknowledge that my/our use of the ibanking shall be governed by the Bank s prevailing Electronic Banking Terms & Conditions, available on the Bank s web-site at www.standardchartered.com/ae, and I/we declare that I/we have read and understood the said Terms & Conditions and accept the same. 2. I/We hereby instruct and authorise the Bank to send by mail or courier my/our ibanking ID and password ( Security Codes ) to the mailing address given overleaf, and I/we accept that the risk of non-receipt and/or disclosure of the Security Codes to an unauthorised third party shall be fully borne by myself and I/we indemnify the Bank against any loss, costs (including legal costs) or damages that I/we may incur as a result thereof. 3. Subject to the Bank s prevailing Electronic Banking Terms & Conditions, I/we hereby authorise and instruct the Bank to act on any instructions received through the use of my/our Security Codes, including, but not limited to the transfer of funds (subject to limits as may be imposed by the Bank from time to time) from my/our Accounts with the Bank (which I/we am/are entitled to operate on a single signatory basis) to the third party account named under the heading Beneficiary Accounts, overleaf, and to any account which I/we may designate from time to time, for this purpose under the Bank s prevailing procedures. Business Debit Card In consideration of Standard Chartered Bank (the Bank ) pursuant to my/our request, making available to me/us and my/our authorised staff (the Staff ), Visa Business Debit Card ( Debit Card ) facilities (the facilities ) and issuing to me/us and my/our Staff Business Debit Card (the Cards ) for use at approved ATM and Point of Sale ( POS ) terminals ( Terminals ), I/we agree to be bound by the following Terms and Conditions: 1. All times to regard the Cards as the property of the Bank and to surrender all or each of them unconditionally and without reservation upon demand by the Bank. 2. The Bank shall provide the Facilities to such Staff as shall be notified by me/us from time to time I/we agree to provide to the Bank in writing the name(s) and full signature(s) and evidence of the identity of the person(s) authorised to hold the Card(s). Any changes shall be made in writing and duly signed by me/us and delivered by the Bank. 3. To restrict use of the Cards exclusively to me/us and to my/our Staff as they are not transferable. 4. To keep these Facilities and all information relating thereto secure and confidential and not to allow any unauthorised person(s) access to them. 5. Not to use or attempt to use and at all times to guarantee that the Staff will not use or attempt to use the Cards unless there are sufficient funds in my/our account to cover the withdrawal or payment. 6. Not to use or attempt to use and at all times to guarantee that the Staff will not use or attempt to use any of the Cards after any notification of its/their cancellation or withdrawal has been given to me/us by the Bank or by any person acting on behalf of the Bank. 7. At no time and under no circumstances to disclose to any person the Personal Identification Numbers ( PINS ) allotted to me/us and my/our Staff to facilitate the use of the Cards at any Terminal. 8. Cash Withdrawal and purchase limits are subject to change. In the event of any variation in the limits allocated on the Cards, I/we accept and agree that existing cards shall be cancelled and issued afresh. 9. To immediately notify the Bank of the loss of theft of any of the Cards. 10. To accept full responsibility for all transactions processed from the use of the Cards except any transactions occurring after the Bank shall have confirmed to me/us that it has received notice of loss or theft of any of the Cards or of unathorised acquisition of the PINS. 11. Subject to (10) above, to accept the Bank s record of withdrawals and/or payments as conclusive and binding for all purposes and to authorise the Bank to debit my/our account with all amounts withdrawn or paid with or without my/our knowledge or authority. 12. I/We acknowledge that the amount stated on the ATM screen or a printed enquiry slip or receipt advice shall not for any purpose whatsoever be taken as conclusive of the state of my/our account with the Bank. 13. The Bank will not be responsible for the Cards not being honoured at any Terminals for any reason. 14. Not hold the Bank liable, responsible or accountable in any ways whatsoever for any and all actions, proceedings, costlossness or damage (including legal costs) howsoever arising caused by any mechanical defect in or insufficiency of funds in or malfunction of any Terminal. 15. Not to hold the Bank liable, responsible or accountable in any way whatsoever for any indirect or consequential losses or any economic loss, injury or damage howsoever arising caused by my/our and/or the Staffs' use or misuse of the Cards, PINS and/or the Facilities. 16. That I/we will fully indemnify the Bank for any and all actions, proceedings, costs, losses or damage (including legal costs) it may have suffered in connection with the delivery of the Card(s) or PIN(s) or the use or provision of the Facilities and/or my/our and/or the Staff's use/misuse of the Cards, PINS and/or the Facilities. 17. Notwithstanding and without prejudice to the generality of the provisions of (14) and (15) above, the use of the Cards shall be at my/our sole risk and I/we assume any and all risks incidental to or arising out of the use of the Cards. 18. I/We agree to return the Cards for cancellation should they no longer be required or should my/our account with the Bank for any reason be closed. 19. I/We agree to; (i) call the Bank if and when I/we wish to cancel any or all of the Cards and (ii) confirm any or all of the Cards cancellation in writing no later than 48 hours after I/we called the Bank concerning the cancellation of any or all of the Cards. 20. The Bank shall be at liberty to terminate the Facilities at any time without notice to me/us by cancelling of refusing to renew the Cards. 21. The Bank reserves the right to vary these Terms and Conditions by prior notice in writing to me/us. 22. That I/we have read and agree to be bound by the Banks Terms and Conditions relating to All Bank Accounts. Page No. 5/6

FEATURES AND BENEFITS OF AUTOMATED SERVICES AT A GLANCE GENERAL SERVICE Enquire about our Products and Services Status of Issued Cheques Check FOREX Rates Avail Product Application Forms Check Fixed Deposit Rates ACCOUNT SERVICES ibanking Phone ATM CDM* Banking Cheque Deposit Cash Deposit Cash Withdrawal Balance Enquiry Cheque Book Request Debit Card PIN Change Account to Account Transfer** Remittance within/ outside UAE Mini Statement Statement Request Set-up Standing Orders Utility Bills Payment*** Balance confirmation Letter request * at selected branches ** same master number *** pre-defined ATM In addition to the ATMs in our branches and our Mobile ATM, the following ATMs are also available offsite: Mall, near Jashanmal Marina Mall, near IKEA Al Safeer Centre, Mussafah Area Al Maya Lal s Supermarket, Riqqa Arabian Ranches, Community Centre BurJuman, near Paul s Coffee Shop Carrefour Shindaga Choithram Supermarket, near Safa Park, Jumeirah Computer Depot, Bank Street Deira City Centre - 2, P4, near Watch House Deira City Centre, Carrefour DIFC, The Gate Duty Free, Arrivals Festival City, mezz floor, below Hyper Panda DUBAL Durrah Towers, Sheikh Zayed Road Emarat Petrol Station, Karama Emarat Petrol Station, near Burj Al Arab, Jumeirah Emarat Petrol Station, Opp. Immigration Emarat Petrol Station, Sheikh Zayed Road, near Hyundai Showroom Grand City Mall, Al Quoz Grand Shopping Mall, Al Quoz Knowledge Village, Food Court Lamcy Plaza Mall of the Emirates, Food Court Mall of the Emirates, near Café Havana Mall of the Emirates, near Ski, Ground Floor Marina Walk, Marina Meadows, Community Centre Sunrise Supermarket, Qusais Sunrise Supermarket, Karama Choithram Supermarket Sahara Mall, near Debenhams Shopping Centre Cash Deposit Machines In addition to our ATMs, Standard Chartered s Cash Deposit Machines (CDMs) also provide a range of quick and straightforward services designed to simplify your life. At the push of a button, you can: Deposit cash in your Standard Chartered Bank Account instantly Cash Deposit Machines can be found at our following branches: Hamdan Street Istiqlal Street Bur, Al Mankhool Road Deira, Al Nasr Square Deira, Gold Land Bldg. Dragon Mart, Zone BB South Podium, Marina Walk Emaar Business Park Al Boorj Avenue Page No. 6/6