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AUTOMATED BANKING SERVICES – BUSINESSRelationship NumberMaster NumberCOMPANY 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.: .PHONEBANKINGWe authorise the Bank to post the TIN to the address of the organisation (as recorded with the Bank.)Account NumberCall 04 313 8888eSTATEMENT/eADVICEAccount 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-StatementsSubscribeUnsubscribePlease specify the frequency at which you wish to receive the MENDMENTS:Email addressCurrent Email addressNew Email addressFrequency at which you wish to receive the e-StatementCurrent FrequencyDailyWeeklyMonthlyWeeklyMonthlyNew FrequencyDailyPlease complete the “Account Numbers” and “Email address” fields.Page No. 1/6

BranchdirectoryDubaiBur DubaiMain BranchP.O. Box 999Al Mankhool RoadDubaiDeiraP.O. Box 1125Al Nasr SquareDubaiGold SoukP.O. Box 64555Gold Land BuildingDubaiDragon MartP.O. Box 4166Al Awir RoadDubaiEmaar Business ParkP.O. Box 103668Building #3DubaiJebel AliP.O. Box 16920DubaiSharjahP.O. Box 5Al Boorj AvenueSharjahAbu DhabiSheikh Hamdan StreetP.O. Box 240Al Fardan TowerAbu DhabiAl Istiqlal StreetP.O. Box 241Abu DhabiAl AinP.O. Box 1240Main StreetNear Clock TowerAl AinCall 04 313 8888www.standardchartered.com/aePage No. 4/6

TERMS AND CONDITIONS FOR AUTOMATED BANKING SERVICES:1.Automated Banking Services include Phone Banking, eStatements, iBankingand Debit Card service together or as individual services as applied for byme/us from time to time.and my/our Staff Business Debit Card (the “Cards”) for use at approved ATM andPoint of Sale (“POS”) terminals (“Terminals”), I/we agree to be bound by thefollowing Terms and Conditions:2.I/We agree to keep the Bank indemnified against all actions, proceedings,liabilities and claims, cases, damages, costs and expenses (including legalcosts) in relation to or arising out of the Bank accepting my/our instructionsand/or transmitting information, statements or advices electronically ortelephonically.1.All times to regard the Cards as the property of the Bank and to surrender all oreach 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/usfrom time to time I/we agree to provide to the Bank in writing the name(s) andfull signature(s) and evidence of the identity of the person(s) authorised to holdthe Card(s). Any changes shall be made in writing and duly signed by me/us anddelivered by the Bank.3.To restrict use of the Cards exclusively to me/us and to my/our Staff as they arenot transferable.4.To keep these Facilities and all information relating thereto secure andconfidential 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 notuse or attempt to use the Cards unless there are sufficient funds in my/ouraccount to cover the withdrawal or payment.6.Not to use or attempt to use and at all times to guarantee that the Staff will notuse or attempt to use any of the Cards after any notification of its/theircancellation or withdrawal has been given to me/us by the Bank or by anyperson acting on behalf of the Bank.7.At no time and under no circumstances to disclose to any person the PersonalIdentification Numbers (“PINS”) allotted to me/us and my/our Staff to facilitatethe use of the Cards at any Terminal.8.Cash Withdrawal and purchase limits are subject to change. In the event of anyvariation in the limits allocated on the Cards, I/we accept and agree that existingcards shall be cancelled and issued afresh.9.To immediately notify the Bank of the loss of theft of any of the Cards.3.I/We hereby agree to pay all fees and charges which the Bank may impose fromtime to time in connection with these services in the manner stipulated by theBank.Phone Banking1. I/We hereby instruct and authorise the Bank to mail or courier my/our TelephoneIdentification Number (TIN) relating to my/our access to Phone Banking to themailing address given overleaf, and I/we accept that the risk of non-receiptand/or disclosure of the TIN to an unauthorised third party shall be fully borneby me/us and I/we indemnify the Bank against any losses, costs (including legalcosts) 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 inrelation to these terms and conditions unless otherwise expressly stated to thecontrary).3.I/We shall not reveal my/our TIN to anyone. My/Our oral/touch-toneinstruction(s) identified by my/our correct Bank Account Number and TIN shallbe deemed to be proper. Accordingly, the Bank shall be entitled to rely on anysuch instructions. Should the Bank accept any such instructions from me/us, orfrom another person purporting to be me/us, I/we hereby agree to indemnify theBank against any losses, damages, cost (including legal cost) or demandsincurred by the Bank as result of or, in connection, therewith.4.The Bank may in its absolute discretion require that written confirmation ofmy/our oral/touch-tone instruction(s) be received by it within such period as theBank may specify.5.Where any of my/our accounts mentioned overleaf are opened by more than oneperson, any such one person shall be entitled to give any such oral/touch-toneinstructions and the Bank shall be entitled to rely upon any such instructions.eStatement1. I/we hereby instruct and authorise the Bank to send my/our accountstatement(s) and advice(s) to the email address specified overleaf, at therequested frequency, and cancel any existing instruction(s) to hold mail or tosend 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 Bankfor the mentioned account(s) overleaf shall be accepted and upheld by me/usas correct, unless I/we give the Bank notice of any discrepancies within 14 daysof date of the statement. I/We hereby expressly waive any of my/our legalrights, past or future, against the Bank for providing this service and fully acceptthe risks and responsibilities associated with transmitting statement(s) andadvice(s) electronically. I/We understand and accept that the Bank does notwarrant against any external factors affecting the privacy and/or security ofemails during internet transmission.2.The Bank shall not be liable or responsible for data corruption, delay, interceptionof an unauthorised amendment of the information from time to time and at any time.iBanking1.I/We acknowledge that my/our use of the iBanking shall be governed by theBank’s prevailing Electronic Banking Terms & Conditions, available on theBank’s web-site at www.standardchartered.com/ae, and I/we declare that I/wehave 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/ouriBanking ID and password (“Security Codes”) to the mailing address givenoverleaf, and I/we accept that the risk of non-receipt and/or disclosure of theSecurity Codes to an unauthorised third party shall be fully borne by myself andI/we indemnify the Bank against any loss, costs (including legal costs) ordamages 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 receivedthrough the use of my/our Security Codes, including, but not limited to thetransfer of funds (subject to limits as may be imposed by the Bank from time totime) from my/our Accounts with the Bank (which I/we am/are entitled tooperate on a single signatory basis) to the third party account named under theheading “Beneficiary Accounts”, overleaf, and to any account which I/we maydesignate from time to time, for this purpose under the Bank’s prevailingprocedures.Business Debit CardIn consideration of Standard Chartered Bank (the “Bank”) pursuant to my/ourrequest, making available to me/us and my/our authorised staff (the “Staff”), VisaBusiness Debit Card (“Debit Card”) facilities (the “facilities”) and issuing to me/us10. To accept full responsibility for all transactions processed from the use of theCards except any transactions occurring after the Bank shall have confirmed tome/us that it has received notice of loss or theft of any of the Cards or ofunathorised acquisition of the PINS.11. Subject to (10) above, to accept the Bank’s record of withdrawals and/orpayments as conclusive and binding for all purposes and to authorise the Bankto debit my/our account with all amounts withdrawn or paid with or withoutmy/our knowledge or authority.12. I/We acknowledge that the amount stated on the ATM screen or a printedenquiry slip or receipt advice shall not for any purpose whatsoever be taken asconclusive of the state of my/our account with the Bank.13. The Bank will not be responsible for the Cards not being honoured at anyTerminals for any reason.14. Not hold the Bank liable, responsible or accountable in any ways whatsoever forany and all actions, proceedings, costlossness or damage (including legalcosts) howsoever arising caused by any mechanical defect in or insufficiency offunds in or malfunction of any Terminal.15. Not to hold the Bank liable, responsible or accountable in any way whatsoeverfor any indirect or consequential losses or any economic loss, injury or damagehowsoever arising caused by my/our and/or the Staffs' use or misuse of theCards, 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 inconnection with the delivery of the Card(s) or PIN(s) or the use or provision ofthe Facilities and/or my/our and/or the Staff's use/misuse of the Cards, PINSand/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/weassume 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 requiredor 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 theCards and (ii) confirm any or all of the Cards cancellation in writing no later than48 hours after I/we called the Bank concerning the cancellation of any or all ofthe Cards.20. The Bank shall be at liberty to terminate the Facilities at any time without noticeto me/us by cancelling of refusing to renew the Cards.21. The Bank reserves the right to vary these Terms and Conditions by prior noticein writing to me/us.22. That I/we have read and agree to be bound by the Banks Terms and Conditionsrelating to All Bank Accounts.Page No. 5/6