This is a legally binding agreement between You and Standard Chartered Bank establishing the terms and conditions on which this site may be used. Use of any of the online services available at this site implies that you accept these terms and conditions.

If you do not accept these terms and conditions, please do not access this site or use any of the online services available at this site.

Standard Chartered Bank ("Standard Chartered") is incorporated in England and Wales with limited liability by Royal Charter 1853 under reference ZC18. The principal office of Standard Chartered is situated in England at 1 Basinghall Avenue, London, EC2V 5DD.

Standard Chartered controls and maintains this site from India. The information and material contained in, and the online services available at, this site are directed at and restricted to individuals resident, or entities having a place of business,individuals or entities having an account with Standard Chartered in India. Standard Chartered makes no representation that the information and material contained in this site is appropriate or permitted for use in jurisdictions outside India.

The terms and conditions are governed by the laws of India and you agree that any dispute shall be subject to the non-exclusive jurisdiction of the courts of India.

The information and material contained in this site is provided "as is" for general information and indication purposes only and is subject to change without notice. Standard Chartered makes no representation as to and does not warrant the accuracy, adequacy or completeness of any such information or material and you should not rely on it as accurate, adequate or complete. Standard Chartered expressly disclaims liability for errors or omissions in such information and material. Standard Chartered gives no warranty of any kind, whether implied, express or statutory, including without limitation as to merchantability, fitness for a particular purpose, title, non-infringement of third party rights or freedom from computer virus, in respect of such information and material. Some information contained in this site has been provided by or taken from third party sources, which Standard Chartered believes to be reliable. Standard Chartered has not verified and does not warrant or represent that such information is accurate, complete or fair. Geographic, political, economic, statistical and financial data are in certain cases presented in approximate, summary or simplified form and may be subject to change over time.

To the fullest extent permitted by law, Standard Chartered excludes liability for any direct, indirect, consequential, special or incidental damage, loss or expense, whether caused by negligence or otherwise, which has arisen directly or indirectly from your use of or reliance on any information or material contained in any site owned and/or operated by any third party accessed using a reference from this site whether by hypertext link, book mark recommendation or otherwise, in all the above cases whether or not Standard Chartered has been notified of the possibility of such damage, loss or expense. Standard Chartered's inclusion of hypertext links does not imply any endorsement of any material on linked sites nor does Standard Chartered vouch for its accuracy of contents and opinions expressed therein.

Please note that any software downloaded from this site is downloaded at your own risk. Standard Chartered neither assumes nor accepts liability for any loss or damage (whether direct or indirect), howsoever caused, resulting from any computer viruses, Trojan horses, worms, software bombs or similar items or processes arising from your use of software downloaded from this site, in each case where such event arose out of circumstances beyond Standard Chartered's reasonable control.

The information and material contained in this site should not be regarded as an offer or solicitation to buy or sell investments.

Use of the products or services described in this site may not be permitted in some countries and, if in doubt, you should check with your local regulator or authority before requesting further information. This site does not constitute an offer on the part of Standard Chartered to provide any of the products or services described herein to persons or entities resident in any country where such offer is not authorised for distribution in such country or where local laws or regulations in such country do not permit the use of such products or services.

Products and services are available at the discretion of Standard Chartered or the relevant Standard Chartered Group company or associate, subject to the individual terms and conditions on which they are offered, and such products and services may be withdrawn or amended at any time without notice. The full range of products and services may not be available in all locations. Fees, commissions and other charges may apply to certain services. The office providing such services can provide details.

Any application made by you for any products and services offered by SCB, whether transmitted through or printed from this web site or otherwise, shall be subject to the final written approval of SCB, which may be granted or refused at SCB's absolute discretion. SCB shall not be obliged to furnish any notice or give any reasons for any rejection of your application. SCB's acceptance of you as SCB's customer and making available to you any products and services, shall also be subject to your meeting SCB's eligibility requirements, submission of all necessary documents, compliance with any other terms and conditions of SCB, and finalisation and execution of all documents required by SCB.

Transactions with any office of Standard Chartered outside the United Kingdom or with any Standard Chartered Group company outside the United Kingdom are not protected by the United Kingdom's regulatory regime. Transactions with non-Standard Chartered Group companies referred to in this site will not normally be protected unless otherwise indicated.

Standard Chartered Bank makes no representation or warranty of any kind, express, implied or statutory regarding this web site or the materials and information contained or referred to on each page associated with this web site. The material and information contained on this web site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this web site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

Geographic, political, economic, statistical, financial and exchange rate data is presented in certain cases in approximate or summary or simplified form and may change over time. Reliance has been placed by the editors on certain external statistical data which, though believed to be correct, may not in fact be accurate. Standard Chartered Bank accepts no liability for any loss or damage arising directly or indirectly from action taken, or not taken, in reliance on material or information contained on this web site. In particular, no warranty is given that economic reporting information material or data is accurate reliable or up to date.

Standard Chartered Bank accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this web site, howsoever arising, and including any loss, damage or expense arising from, but not limited to , any defect, error, imperfection, fault, mistake or inaccuracy with this web site, its contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services.

Please note that any software downloaded from this web site is at your own risk and Standard Chartered Bank neither assumes nor accepts liability for any loss or damage, (whether direct or indirect), howsoever caused, as a result of any computer viruses, trojan horses, worms, software bombs or similar items or processes arising from your use of this web site.

Any hyperlinks from this web site exist for information purposes and are for your convenience only and Standard Chartered Bank accepts no liability for any loss or damage arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such sites or loss arising directly or indirectly from defects with such sites. Standard Chartered Bank inclusion of hyperlinks does not imply any endorsement of the material on such sites.

Standard Chartered Bank does not guarantee that any e-mails from the web site will be sent to you or received by Standard Chartered Bank nor does Standard Chartered Bank warrant the privacy and/or security of e-mails during internet transmission.

You hereby agree fully and effectively to indemnify and to keep indemnified Standard Chartered fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by Standard Chartered arising from or which is directly or indirectly related to:

• Your access to and / or use of this site except where you have fully complied with any guidelines, procedures or instructions relating to the proper use of this site from time to time notified to you by Standard Chartered whether on this site or otherwise and have exercised reasonable care in using this site; or
• Any breach or non-observance by you of any of these terms and conditions.

TERMINATION

Standard Chartered may terminate this agreement, your access to this site and your use of the online services available at this site at any time with or without cause or notice.

MODIFICATION

Standard Chartered reserves the right in its discretion to change any information or material contained in this site and the terms and conditions on which this site may be used.

INTELLECTUAL PROPERTY RIGHTS

All contents of this site including, without limitation, the text, graphics, links and sounds are the copyright of Standard Chartered PLC and may not be copied, downloaded, distributed or published in any way without the prior written consent of Standard Chartered.

"Standard Chartered", and "Standard Chartered Bank" are registered trade marks and service marks of Standard Chartered PLC and no permission or licence is granted to use any such trade marks or service marks without the prior written consent of Standard Chartered PLC. All other marks, names and logos used on this site relating to companies within the Standard Chartered Group or to their products or services are intellectual property rights held by companies within the Standard Chartered Group unless otherwise stated.

In respect of any information (other than personal data) or material which you submit to Standard Chartered at this site, you grant Standard Chartered a licence to use such information or material for any purpose it deems necessary, including without limitation the copying, transmission, distribution and publication thereof, unless restricted by law. You agree that Standard Chartered shall not be under any obligation of confidentiality to you regarding any such information or material unless otherwise agreed in a separate direct contract between you and Standard Chartered or required by law.

COPYRIGHT©STANDARD CHARTERED PLC 2001. ALL RIGHTS RESERVED.