CONSOLIDATED APPLICATION (for Consumer Banking Customers)

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2 DATE D D / M M / Y Y Y Y CONSOLIDATED APPLICATION (for Consumer Banking Customers) OFFICE USE Branch : ARM Code: SEG Code: CCY FILE MASTER SEQ ACCOUNT TITLE : Accounts My Dream Account Credit card Debit Card Loan estatements I - Banking Phone Banking SMS Banking Smart Wallet Safetynet In this application, we would like to get to know you even better. We appreciate your time in sharing your information to help us have a comprehensive understanding of your financial needs and assist in planning your future. We look forward to serving you better. 1 Please tell us about yourself 16.Name of Employer / Name of Business (for self-employed) 01.Salutation / Title Mr Ms Dr 02.Name (as stated in passport / NIC) Business Registration. (If self-employed) 17.Contact. Contact Person. 03.Type of Identity Document NIC. Passport. (Required for FlySmiles Applicants) 18.Nature / Type of Business # Government Medical Public Utility Advertising Airline Plantations Import Export Hotel Garment Insurance Information Tech Manufacturing Construction please specify Communication Professional Services Shipping / Freight FWD Banking and Finance Trading Travel / Recruitment (Specify) 19.Occupation / Designation 04. Mother's Maiden Name 20.Department 05.Date of Birth D D / M M / Y Y Y Y 21.Income Details # 06. Gender Male Female 07.Nationality 08.Resident Since 09.Marital Status # Married If married Spouse s name Single Divorced Widowed Spouse s Income Basic Salary Fixed Allowances Any other monthly Income Source Monthly Income / Gross Net 22.Address Of Employer (for salaried employees)/address Of Business (for self-employed) Employer s Name (Spouse's) Address Tel Contact person 23.Length of Service # at this Co Year months If less than 1 year please provide details in previous company 10. of Dependents # 11.Education Status # Secondary Vocational / Technical Institute Professional educational Qualifications Ages Tertiary / University 24.Previous Employer # (If at present Company for less than 1 year) Designation Dept Length of service Years Contact. Contact Person. 12.Permanent Address # (Mandatory for Credit Card Applications) Address # Mandatory Updated fields for Credit Card and Loan Applications. 1A Would you like a Joint account? 13.Residential Address # (if different from permanent address) 01. Salutation / Title Mr Ms Dr 02. Name (as stated in passport / NIC) Duration at perm. Add Year months 03.NIC. / Passport. 14.Ownership of residence # 04.Date of Birth D D / M M / Y Y Y Y Owned Mortgaged Rent Contact Details 05.Nationality Residence Office 06.Relationship to main account holder Mobile Fax Number E mail 15.Nature of Employment # Own Business Student Retired Salaried 07.Residential Address (Mandatory) Self-employed Page 02 of 08

3 08.Correspondence Address (if different from residential address) 2 Would you like to apply for these services? Debit Card : (Applicable for local Rupee current and savings accounts only) 09.Contact Details Residence Mobile Office Fax Number Please issue me a Debit Card(s) Name as it should appear on the card (Please use block capitals) Debit Card mailing address : E mail 10.Tax Details Please specify at which branch the PIN is to be held : Primary Account to be linked (Account used for all POS transactions and other bank ATM withdrawals) (applicable to Rupee Interest bearing accounts) 11.Name of Employer / Name of Business (for self-employed) Subsidiary account to be linked * Please complete and sign the Declaration to the Central Bank in Section 4A 12.Company Address 13.Occupation / Designation (Pls complete Joint Account Holder - 3 for the details of the 3rd person, if more than 2 persons are jointly opening the accounts ) 1B Which mailing address do you prefer? 25.Correspondence Address estatements (Free of charge) Statement Frequency i-banking (Free of charge) If you specified an e mail address, in section (1b) the Bank will automatically send you your statements via , unless you prefer to receive hard copy statements. I do not want to subscribe for e Statements and would like to obtain my statements to my correspondence address. estatements Hard copy Statements rmal cycle (Specify) *Please refer the Tariff Guide for the applicable charges Please send my i-banking password to my correspondence address Residential address # Address of the Employer or Business Permanent Address Phone Banking (Free of charge) Please send my TIN to my correspondence address E mail address (for estatements) 1C Which Account(s) would you like to apply for? SMS Banking (charges apply) enroll me for SMS Banking for all accounts /Credit cards *Please refer the Terms & Conditions of SMS Banking and Tariff Guide for feescharges For Local Currency, please select SAVINGS rmal Pay Plus Diva Pay Plus Diva CURRENT rmal Pay Plus Diva Pay Plus Smart Wallet (Rs. 99/- per month) enroll me for Smart Wallet (please refer the Smart Wallet brochure for the product features) CALL OTHER (specify) MY DREAM ACCOUNT I/We would like nominate my / our child to be eligible for My Dream Account. The information of my/our child is: Cheque Book (applicable for local Rupee current accounts) Please refer the Tariff Guide for the applicable charges Please issue me/us a cheque book for the Current Account/s 25 leaves 50 leaves Name of Child Date of Birth Gender Birth Certificate / Passport Number Source of Funds For Foreign Currency, please select Currency Type (Specify) USD / GBP / EUR / AUD / JPY / CAD Saving Call Current Type of Account NRFC RFC RNNFC FCBU(Call A/c) (Specify) D D / M M / Y Y Y Y Male Female Initial Deposit (amount) (Min of LKR 5,000/-) Cash Credit Card Account Transfer Cheque I hereby aunthorise you to debit my Account / Credit Card. Signature of Card / Account holder Recevie Cheque. Standing Instruction Please Debit My Account / Credit Card. on a monthly basis with Rs. Bank and Branch 3 Time Deposits Select Local Currency (Sri Lankan Rupees) Foreign Currency USD GBP EUR AUD Account Number Tenor (delete inappropriate) 1 / 3 / 6 / 12 months Interest to be paid at maturity monthly (12 month deposits) Renewal instructions 3A Renew principal plus interest at prevailing rate at the time of maturity Renew principal at prevailing rate for the same term, credit interest to account number Credit principal and interest to account number Special Instructions Annually (for > 1 year deposits) Would you like to obtain an overdraft against your Fixed deposit YES, I would like to obtain an overdraft against my above mentioned fixed deposit up to a value of...% of the deposit value at a rate of.. % p.a te- please complete the required documents to obtain the overdraft against your facility Page 03 of 08

4 4 Personal Loan or Credit Cards Please note that the approval of Credit Card and Loans are subject to credit verification 4A Visa Platinum Gold Classic Credit Cards Please select ONE of the following Standard Chartered Bank Credit Cards: (Please insert your existing FlySmiles Number if applicable) Master Fly Smiles Gold Classic Name as it should appear on the card (max 19 letters) Credit Card payment, I would l i k e to have my account automatically debited each month for my card payment (pls state A/c ) Settlement % per month (5% upto 100%) (Payment of joining and annual fees to be made ONLY upon receiving your first statement) New Card / Corresponding mail to be delivered to, Central Bank of Sri Lanka Application For : Credit Card Debit Card Declaration by the applicant/s for electronic fund transfer cards To: The Controller of Exchange (To be filled by the applicant/s to obtain foreign exchange against Credit/Debit or any other Electronic Fund Transfer Card) I/We... (Basic Cardholder/Supplementary Cardholder)... (Basic Cardholder/ Supplementary Cardholder) declare that all details given above by me/us on this form are true and correct. I/We hereby confirm that I/We am/are aware of these conditions imposed under the Exchange Control Act in the tice published in the Extraordinary Gazette. 1411/5 of 19th September 2005 subject to which the Card may be used for transactions in foreign exchange and I/We hereby undertake to abide by the said conditions. I/We further agree to provide any information on transactions carried out by me/us in foreign exchange on the Card issued to me/us, as Standard Chartered Bank may require for the purpose of the Exchange Control Act. I/We also affirm that I/We undertake to surrender the Credit Card/s to Standard Chartered Bank, if I/We migrate or leave Sri Lanka for employment abroad. I/We am/are aware that the Authorised Dealer is required to suspend availability of foreign exchange on EFTC if reasonable ground exists to suspect that unauthorized foreign exchange transactions are being carried out on the EFTC issued to me/us. Home Address Mailing Address Official Address Collected from Cards Counter DD. MM. YY Signature of the Basic Cardholder Details of a relative not living with you Name Home Address Office Address Tel 's (Office) (Home) (Mobile) (Fa x) Relationship My other Credit Cards Card Type Bank Card Number Limit Since... Signature of the Supplementary Cardholder I, as the authorized officer have carefully examined the information together with relevant documents given by the applicant/s and am satisfied with the bona-fide of these information and documents. I undertake to exercise due diligence on the transactions carried out by the cardholder on his/her EFTC in foreign exchange and to suspend the availability of foreign exchange on the EFTC if reasonable grounds exist to suspect that unauthorised foreign exchange transactions are being carried out on the EFTC in violation of the undertaking and to bring the matter to the notice of the Controller of Exchange DD.MM.YY Signature of the Authorized Officer For Credit Card Customers- Safety Net t Interested We recommend that you enroll for Safety Net, an invaluable insurance benefit covering your Credit card outstanding balance in the event of permanent total disability or natural accidental death to the card holder. This service is made available at a nominal monthly charge of your previous month s statement balance. Safety Net is subject to the terms and conditions of the Insurance provider and is applicable to a maximum age of 70 years. Would you like a Supplementary Credit Card? I, the Primary Cardholder hereby authorize and request you to issue in accordance with the Terms and Conditions of the Standard Chartered Bank Credit Cardholder agreement, a Supplementary Standard Chartered Credit Card to the person named below who is not less than 18 years of age for use on my Standard Chartered Credit Card account. I also hereby take full responsibility to settle the expenditure incurred by the Supplementary Cardholder. (If more Supplementary Cards are required, please contact Customer Service Line ) Surname Mr/ Mrs/ Miss Names Name as it should appear on the card (max 19 letters) Relationship to the primary applicant NIC/ Passport Number (please attach photocopies) Date of birth DD MM YYYY Mother s Maiden Name Declaration I/We state that the above details are true and correct and are given in support of my/our application to Standard Chartered Bank, Sri Lanka for a Credit card account, subject to the respective Credit Cardholders Agreement which outlines the Terms and Conditions of use, and which will be sent to me/us with approval of my/our application. I/We authorize Standard Chartered Bank to debit my/our Credit Card account with the charges and fees in respect of this card account and will be liable jointly and severally for all charges and fees to the Primary and Supplementary cards issued on my request. If Standard Chartered considers it relevant for the purpose of assessing this application, I/We authorize Standard Chartered Bank to obtain a report about my/our commercial activities or commercial credit worthiness from a business/institute which provides this information. I/We understand this information may be used to assess my/our application for credit and/or my/our credit worthiness, to assist me/us to avoid default and to notify other credit providers of my/our default. I/We also authorize Standard Chartered Bank to make inquiries about the information included on my/our application from any other source. By signing below, I/We request that a card account be opened for me/us and to renew and replace it until I/We surrender my/our rights to use the card by cutting the card and returning to Standard Chartered Bank. Exchange Control Declaration To the Controller Of Exchange, I/We declare that all details given by me/us in this form are true and correct and I/We undertake to use my/our international Electronic Funds Transfer Card/ Credit Card/ Debit Card(s) abroad and solely within the limit authorized by Standard Chartered Bank and that it will not be used to purchase goods in commercial quantities and for capital transactions. I have read and understood the above declaration Contact Numbers (Mobile) (Home) Preferred Limit on the card * The below document is applicable For Credit / Debit Card applicants only. Primary Card applicant s signature Supplementary Card applicant s signature Page 04 of 08

5 4B Personal Loans LETTER FROM THE EMPLOYER Account Facilities with Standard Chartered Bank Account Facility Account Limit Current / Savings Fixed Deposits Loans Credit Cards Total * The following documents are applicable for Loan Applicants only. Would you like a Joint Loan? If yes, please complete the below with the Joint loan applicant s details. Personal Data Name in full Date of birth (DD/MM/YYYY) Nationality (Irrevocably binding unless expressly released by the Bank) Date: The Manager, Consumer Credit, Standard Chartered Bank, 37 York Street, Colombo 1. Loan to :... Under Standard Chartered Bank Personal Loan Scheme In view of your consideration to process at your sole discretion an application dated...made to your Bank under the above loan scheme by our employee...there in after referred to as the "Borrower") of whose signature is certified below and granting the Borrower a loan of such account and upon such Terms & Conditions, as you may impose or require, we... hereby do agree, confirm, undertake and bind our selves as follows : a) the Borrower is employed by us in the position of b) the Borrower has been employed by us since c) the Borrower is currently on the permanent employee cadre. d) the present Gross Monthly Salary/emoluments of the Borrower is Rs... (in words LKR) NIC / Passport Number Marital status...) e) the deductions are Tel: Home Mobile 1) Rs ) Rs.... Academic/ Professional qualifications 3) Rs.... Secondary Tertiary/Graduate Professional 4) Rs.... Employment details Employers name Address Tel 's Nature of business Designation Length of service years f) To forthwith remit to you at your offices at 37, York Street, Colombo 01, to the Account of the borrower bearing...the Monthly installment/salary (which ever is applicable) of the borrower. g) To forthwith advise you if the Borrower is absent without notice for more than (7) seven days or ceases to be in the employment cadre of ourselves for whichever reason that may apply. h) By placing his/her signature on this letter, the Borrower undertakes to inform you of his/her prospective employer, in the event of any movement in his/her employment in the future. Yours faithfully, Previous employment details Length of service years... Director / HR Manager / Authorized Signatory (On the company rubber stamp) Name of Employer Signature Verified Contact Contact person Date :... Signature of employee Address Income Details DECLARATION BY THE APPLICANT Basic Salary Commissions (Avg 6 months) monthly income Source Monthly Income: Gross Assets Details of Assets (if any) Motor Vehicle Shares Fixed Allowances Property Net I/We hereby apply for the loan detailed in this application and agree to undertake to pay the interest all fees/commission as prescribed by the Bank upon approval. I further agree that the approval of this application or the grant to me/us of any loan is at the sole discretion of the Bank and the Bank has no obligation to furnish any explanation should this application be rejected. I/We hereby warrant that no bankruptcy proceedings have been commenced or are intended to commence against me / us and that all information furnished in this application are true accounts with the Bank as long as I /We remain a customer of the Bank. I/We acknowledge that the Bank has the right to institute legal proceeding for recovery of the debt and that I am/we are liable to pay the Bank all legal costs, court fees and lawyers fees incurred by or on behalf of the Bank and other bank charges in recovering or attempting to recover any outstanding dues. I/We hereby confirm that I/we have read and understood the Terms & Conditions applicable to this loan scheme and also am/are in possession of a copy of same, as well as a Service and Price Guide published by the Bank, and have read and understood and agree to be bound by both these publications. Page 05 of 08

6 I/We confirm that the details furnished are true and correct and that no material information has been willfully withheld in completing this application. I/We undertake to irrevocably instruct the current employer to remit the net monthly salary on or before the due date of the Loan Installment every month to the credit of his/her account with the Bank I/ We undertake to ensure that the aforesaid instruction is complied with by the current employer until the loan together with interest, fees commission, are settled in full. I/We undertake to irrevocably instruct any prospective employers in the event of any movement from the current employer to remit the net monthly salary on or before the due date of the loan installment every month, to the credit of my/our accounts with the Bank and undertakes to ensure that my/our instruction's are complied with by such prospective employer/s until the full settlement of any outstanding of the said loan, interest, fees/commission. twithstanding the instructions to the current employer and any prospective employer/s to remit the net monthly salary, I/We hereby acknowledge that the onus to provide adequate funds in order to meet the debt servicing obligation towards the Bank vest/s with me/us. I/We further request the Bank to debit my account/s and settle all dues in respect of the loan facility/ies granted by the under mentioned Bank/s and/or Financial Institution/s and credit the respective account/s in case of a takeover. Joint Account Holder Salutation / Title Mr Ms Dr 02.Name (as stated in passport / NIC) 03.NIC. / Passport. 04.Date of Birth D D / M M / Y Y Y Y 05.Nationality 06.Relationship to main account holder Name & Address of the Bank/Financial Institution Account Number/s: 07.Residential Address (Mandatory) 08.Correspondence Address (if different from residential address) Signature of Primary Applicant Signature of Joint Applicant 09.Contact Details Date: Date: Residence Office Mobile Fax Number PROMISSORY NOTE E mail On this... day of... year... I/We, the undersigned, 1)... and 10.Tax Details (applicable to Rupee Interest bearing accounts) 11.Name of Employer / Name of Business (for self-employed) 2)... (full names should be indicated as appearing in NIC) Whose signature/s are placed below, on demand promise to pay the Bank a sum of Sri Lankan Rupees...(in figures). 12.Company Address Rupees...(in letters). Together with the interest at... % per annum or at any other rate determined by the bank under clause 12 of the Terms and Conditions of Personal Loans. The bearer of this promissory note has the right of recourse without representation or cost. 13.Occupation / Designation LOAN DETAILS AND REPAYMENT AGREEMENT SECTION Signature of Primary Applicant Signature of Joint Applicant Loan amount applied for (In words) In figures: N.I.C..: N.I.C..: (the amount of the approved loan amount will be advised in terms of clause 22 in T&C) Signature Verified:... Signature Verified In the Presence of Signature of Witnesses : Name:... Name:... Address:... Address:... Interest rate % per annum or any other rate(s) to be decided by the bank from time to time, payable to the debit of my/our Current/ Savings account specified, together with Turnover tax and other statutory dues thereon. Loan Processing fee: Issuance Fee: Duration of the Loan (month) 6 / 12 / 18 / 24 / 30 / 36 / 48 / 60 or any other: (The amount of the monthly installment, its commencement and end dates will be advised in Terms of clause 22 in T&C) Purpose for which the Loan is taken: In case of early settlement, a fee of 5% of the outstanding loan or a minimum of Rs. 10,000/- whichever is higher will be levied. Mode of repayment Monthly installment from salary Full salary Standing order Page 06 of 08

7 5 Insurance Solutions Our partner Insurance providers also provide you with following tailor made insurance packages to cater to your needs*. INCOME PROTECTOR A personal accident insurance policy provides you with protected income coverage in the event of accidental death or permanent total disability. There is a range of plans to select from. PERSONAL ACCIDENT COVER This is an international Personal Accident policy that provides cover for accidental death, partial or permanent disability. You will make monthly payments which would enable you / beneficiary to receive the sum insured in case of the event. LIFE INSURANCE A range of life insurance plans that will suite your individual needs ranging from conventional insurance policies to unit-linked products. MEDICAL INSURANCE PLANS Be it local, or international. Our insurance partners will provide you with the comprehensive covers at competitive rates. PROPERTY AND MOTOR Select your home / motor insurance plan from our partner insurers. These special packages will help you to select the best for your valuable assets at affordable premiums. Please contact me on... and provide me with more details of the above insurance products. INTRODUCTION PLEASE NOTE THIS SECTION IS MANDATORY The Manager Standard Chartered Bank - Colombo, Sri Lanka. I am pleased to introduce the above applicant(s) to Standard Chartered Bank, for the purpose of opening an account. I provide the instruction(s) as a: SCB Account holder - My Account Number Professional - My profession Company Director - Name of Company CoPerson holding a senior position in a government / semi government establishment - Name of Oganisation Name NIC Designation Tel My Address Signature Date SIGNING INSTRUCTIONS Operating Instructions: Sole (Main Account Holder A) Either one to sign Two to sign...(specify Names) Three to sign... (Specify Names) I / We hereby acknowledge that I / We have received a copy of the Personal Account Terms and Conditions, the Tariff Guide and a copy of the Gazette tification, in relation to operation of Electronic Funds Transfer cards (Debit Card) and that I / We have read and understood its contents and agree to be bound by the said Terms and Conditions in opening and operating this account and debit card(s) with Standard Chartered Bank. Signatures : PLEASE USE A BLACK ROLLER PEN OR INK PEN MAIN ACCOUNT HOLDER A JOINT ACCOUNT HOLDER B JOINT ACCOUNT HOLDER C OFFICE USE ONLY Mandate Fully Complete Land/Mobile Phone Indicated Introduction Obtained NIC /PP Sighted B/D Calculation Accurate Risk Category SDD / EDD CDD Form Completed Special Reference List Checked on NORKOM Signature(s) Verified Approval Officer BSSM Executive Approval (EDD only) Operations Checklist RCD Date Branch Ticks Complete CDD Form Complete Welcome Letter Dispatched NIC/PP/DL Copy RCD Relationship Opened Master Opened Subsidiary Opened Statements Setup Sig Cap Done F/'D Opened Funds transferred Page 07 of 08

8 Important Information Document Credit Cards (please tick if applicable) We would like to thank you applying for a Standard Chartered Credit Card. At Standard Chartered, we believe in earning your trust by presenting information in a clear and transparent manner to you. Therefore you are kindly requested to note the following key terms & conditions that are associated with your Credit Card. The approval of the application and credit limit assigned to each credit card will be at the sole discretion of Standard Chartered Bank and may not be pre decided by the applicant or any other party. Your cash withdrawal limit on your Credit Card is decided at the sole discretion of the Bank at the time of your application. The Bank reserves the right to destroy this application along with all documents enclosed in the event of this application being rejected by the Bank. You are expected to make a minimum payment of 5% of your outstanding balance or Rs.500, whichever is higher or the minimum payment due appearing on your monthly statement on or before the payment due date. Monthly payment due date is stipulated on the credit card statement. In the event the payment due date falls on a Bank holiday, the payment due date should ideally be considered the final working day preceding the due date. If you do not make full payment interest will be calculated at 36.0% per annum (3.0% per month) for Classic Cards, 34.8% per annum (2.9% per month) for Gold cards, 31.2% per annum (2.6 % per moth) for Platinum Cards. With our credit cards you can enjoy up to 55 days free of interest, provided the previous months total outstanding is paid by the due date in full. However in respect of each statement if the cleared settlement of the full amount due is not made by the due date, interest will be charged for the full amount from the previous statement. All cash advances attract interest from the date of withdrawal. Fees Classic Gold Flysmiles Classic Flysmiles Gold Platinum Joining Fee (Primary) Rs. 500 Rs. 1,500 Rs. 1,000 Rs. 2,000 Rs. 2,500 Annual Fee (Primary) Rs. 2,000 Rs. 3,000 Rs. 2,500 Rs. 4,000 Rs. 5,000 1st year annual fee (Supplementary) Rs. 500 Rs. 500 Rs. 500 Rs. 1,000 Rs. 3,500 Annual Fee for Subsequent years (Supplementary) Rs. 1,000 Rs. 1,500 Rs. 1,500 Rs. 2,000 Rs. 2,500 The annual fee is charged from the beginning of each 12-month cycle from the month your application is approved and is not linked to your card s validity period. Please note your payment due date and kindly ensure your minimum payment is made before this date. If the minimum payment due is not paid on or before the due date, a late payment charge of Rs.800 will be levied on the card account in addition to the interest charges. Please ensure your account balance does not exceed the set credit limit for your account. If your account balance exceeds the set limit at any point in time your account will be charged an over limit fee of Rs.800. Your international transactions (i.e. transactions denominated in a currency other than your local currency) will be subject to a 1% charge over the exchange rate used by Visa or 0.6 % charge over the exchange rate used by MasterCard. Fees Cash advance Fee: Rs % per month (48% per annum) charged at the point of obtaining a cash advance Permanent / Temporary limit adjustment: Rs.500(Classic, Gold), waived for Platinum. (increase/ decrease) Card payments at alternate payment locations: 0.75% of the payment value or Rs.10 (whichever is higher) Safety Net Insurance: 0.19% of the previous month s statement balance. Smart Wallet: Rs.85 ( Classic), Rs.99 (Gold, Platinum) Copy of transaction slip request: Rs overseas, Rs Local (within 3 months) Returned Cheques: Rs.100 (Classic, Gold), Rs.250 (Platinum) - Technical Reasons / Rs.500 (Classic, Gold), Rs.750 (Platinum) - Lack of funds Early renewal fee: Rs.250 (renewal before scheduled time for customer specific reasons. Annual fee for Bonus points: Rs.500 Please note that all charges are subject to change by the Bank. The customer is required to settle all dues to the Bank on the due dates / or as requested by the Bank. Failure to do so will result in the suspension of all borrowings from the Bank. If you lose your card, please notify us immediately by calling our hotline Please keep this number handy since you will be responsible for all transactions before the card is reported lost or stolen. We trust you will appreciate the repercussions of non payment of monthly dues, as this will tanslate into blocking your account with the Bank, will negatively impact your credit rating and may jeopardize future credit facilities from any reputable lending institution. Please note that the Bank will also take action to collect any unpaid dues, including legal action where necessary. As required by law, we will share your credit data with credit bureau or other regulators. This Document is for your convenience and does not replace your Credit Card Agreement. The card is only activated after you call the Bank on the provided hotline, subject to preliminary security verification. The Bank will ensure that renewal card is produced and make all reasonable efforts to deliver it to you before the final date of the month of expiry mentioned in your credit card. When travelling Overseas, please remember to inform us of your planned itinerary to help us ensure your credit card functions smoothly. Important Information Document Personal Loans (please tick if applicable) We would like to thank you applying for a Personal loan. At Standard Chartered, we believe in earning your trust by presenting information in a clear and transparent manner to you. Therefore you are kindly requested to note the following key terms & conditions that are associated with your Personal Loan. Loan Setup Fee : Rs.5,000 Late payment Fees : Rs.750 per month Charges for early settlement: 5% of the outstanding on the loan or minimum Rs.10,000. (which ever is higher) Part settlements: only 25% of the capital to be settled could be made as part settlement after 12 installments have been made. A 2% part settlement fee would be charged on this 25% of the capital payment. Part settlements are allowed after once in every 12 months. Insurance Fee : Up to Rs.999,999 Rs.12,000 / Rs.1,000,000 to Rs.1,499,999 Rs.18,000 / Rs. 1,500,000 to Rs.1,999,999 Rs.24,000 / Rs.2,000,000 to Rs. 2,499,999 Rs.30,000 / Rs.2,500,000 and above Rs.35,000 Top up loans would be granted a waiver of Rs.1,000 on the loan processing fee. Please note that the Bank reserves the right to amend or revise the fees / commissions set out at its sole discretion without prior notice to the customer. For additional information, please call our 24 hour hotline on or contact your nearest branch. Full Terms and Conditions are applicable. I have read and understood this document fully and have retained a copy for future reference. Customers Signature : Page 08 of 08