( Mutual Funds Terms and Conditions )

Standard Chartered Bank – Staff Promotion Terms and Conditions (“Promotion’s T&Cs”).

1. This Standard Chartered Bank Staff Promotion (“Promotion”) is available from 01 March 2025 to 31 May 2025, both dates inclusive (“Promotion Period”). By participating in this Promotion, you agree to be bound by these Promotion T&Cs.

Eligibility

2. This promotion is open to all staff of Standard Chartered Bank UAE (the “Bank”) who are employed with the Bank during the Promotion Period (“Eligible Staff” or “Staff”).

Promotion

3. Mutual Funds

a) Eligible staff who make new Smart Savings Plan investments or lumpsum investments in Mutual Funds during the Promotion Period will be eligible for the offer, as specified below.

b) A Smart Savings Plan or a lumpsum investment can be done via Online Mutual Funds on our Online/Mobile banking platform or through your Relationship Manager.

c) The minimum investment amount will continue to apply for the respective products.

GENERAL TERMS

4. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including eligibility. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.

5. The Bank reserves the right to do any of the following without prior notice or reason: (a) terminate, withdraw, shorten or extend this Promotion at the Bank’s sole discretion, with or without prior notice or reason; and/or (b) vary, modify, add or delete any of these Promotion T&Cs. You understand and agree to be bound by any such variation.

6. In the event of any inconsistency between these Promotion T&Cs and any brochures, marketing or promotional materials relating to this Promotion, these Promotion T&Cs shall prevail to the extent of such inconsistency.

7. These Terms are governed by the laws of United Arab Emirates and parties submit to the non-exclusive jurisdiction of the courts of United Arab Emirates.

DISCLAIMERS

Standard Chartered UAE is licensed by the Central Bank of the U.A.E.

Standard Chartered Bank, UAE is Licensed by Securities and Commodities Authority (SCA) to practice Promotion Activity.

Investment: This is for general information and does not take into account a person’s individual circumstances, objectives or needs, nor does it constitute any prediction of likely future movements in rates or prices. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as an investment advice nor an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situations or particular needs of any person. You should seek advice from a financial adviser on the suitability of an investment for you, taking into account these factors before making a commitment to invest in an investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether the respective investment is suitable for you.

Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on +971 600 5222 88, and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18.The Principal Office of Standard Chartered Bank is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority

( Wealth $aver & Term Deposits Terms and Conditions )

1. The offer will be provided only during the Campaign Period between 1 March 2025 to 30 June 2025, both days inclusive.

2. The offer is available to all staff clients of Standard Chartered Bank UAE, (hereinafter “the Bank”). Clients shall be eligible to earn Profit on Wealth$aver and or Fixed Deposits when they meet the requirements set out in these Terms & Conditions.

3. Eligible Deposit Products include Current and/or Savings Accounts, including Saadiq variants. This excludes MortgageOne Account and SaadiqOne Account.

4. Assets Under Management (“AUM”) is calculated as the sum of balances of all eligible Deposit Products, in AED or foreign currency equivalents.

5. New Funds are defined as the average balance brought into the Wealth$aver account or in Fixed Deposits from outside the bank and may also include your annual bonus.

6. The eligibility period for Special Profit on the Wealth$aver account is to maintain the funds for a minimum of 3 months following the month of account opening.

7. Standard and Special profit is applicable only on the Wealth$aver product subscribed during the campaign period.

a. Standard Profit will be calculated on monthly basis and credited on the account at the end of each month.

b. Special Profit will be calculated for all months and credited for the eligible clients by 31 July 2025.

8. 3 Month Profit/Hiba is calculated based on average balance maintained for a period of 90 days multiplied by the applicable rate per annum.

9. Fixed Deposit Rates are subject to change and will be confirmed on the date of booking.

10. In event of closure of any or all of the Account(s) prior to the expiry of the Campaign Period; no Special profit will be paid on the balance that was held in such account(s).

11. These terms and conditions are supplemental to the Client & Product Terms and Conditions

12. The Campaign and these terms and conditions may be amended and/or terminated at any time by Standard Chartered without prior notice and is not valid in conjunction with any other special promotion or other reward periodical campaign.

13. The profit payable under the Campaign will be applied to all eligible Clients automatically. If any eligible Client wishes to opt out of this Campaign, they may do so at any time by notifying their Priority relationship manager or Premium executive. A Client’s participation in the Campaign constitutes to his/her acceptance of the terms and conditions contained herein, as amended from time to time.

14. For Wealth$aver, Hiba is over and above the Mudarabah rate and is being offered by the Bank at its sole discretion. If there is no Mudarabah profit or (there is) loss, Hiba will not be paid.

15. Minor / Guardianship accounts are excluded from the campaign.

16. Transfer of funds from a client’s spouse, siblings, parents, or children’s accounts into the client’s account via internal transfer, cash withdrawal and deposits or transfers routed through other bank(s) will be excluded from New Funds calculations.

17. Setup of multiple family accounts will not be eligible under the campaign and will be excluded from New Funds calculations.

18. The Bank reserves the right to terminate the campaign and to vary or modify any of the terms and conditions herein from time to time. In case of disputes, the decision of the Bank shall be final and binding. Further, the Bank reserves the right to cancel or amend the campaign and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any anticipated law or regulation or any other event outside the Bank’s control. Any change to the campaign would be notified as soon as possible by the Bank. In the event of such change or termination, clients agree to relinquish their rights in respect to the campaign and acknowledge that they will have no recourse against the Bank.

19. The campaign and these terms and conditions are governed by the Laws of the United Arab Emirates and any disputes will be subject to the exclusive jurisdiction of the courts of Dubai.

20. Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on +971 600 5222 88, and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/

21. Arabic version of the Terms & Conditions available on request.

( Life Insurance Terms and Conditions )

Standard Chartered Bank – Life Insurance Staff Promotion Terms and Conditions (“Promotion’s T&Cs”).

8. This Standard Chartered Bank – Life Insurance Staff Promotion (“Promotion”) is available from 01 March 2025 to 31 May 2025, both dates inclusive (“Promotion Period”). By participating in this Promotion, you agree to be bound by these Promotion T&Cs.

Eligibility

9. This promotion is open to all staff of Standard Chartered Bank UAE (the “Bank”) who are employed with the Bank during the Promotion Period (“Eligible Staff” or “Staff”).

Promotion

10. The signed applications must be received and accepted by Zurich International Life between 1 March 2025 to 30 May 2025, and policies must be issued on or before 15 June 2025.

11. Both regular and single premium life insurance products are eligible for this Promotion (International Term Assurance, International Decreasing Term Assurance, Futura, and Wealth Accumulation Plan). The Global Choice plan and Critical illness protection plans are excluded from this offer.

12. To be eligible for the offer, clients must meet the minimum monthly premium requirements, as per the table below:

13. For regular premium policies, the redemption confirmation will be sent to eligible clients on their registered email address with Standard Chartered Bank, UAE, upon successful payment of the 3rd month’s premium as per the below table:

*These are provisional dates and could vary depending on when premium collection is successful.

14. For Single premium policies, the redemption confirmation will be sent to eligible clients on their registered email address with Standard Chartered Bank, UAE, post the completion of the freelook period of 30 days from the policy issuance date.

15. The eligible clients will have their devices handed over physically by their respective relationship managers and/or insurance specialist and/or via the Bank’s courier partner, whichever is more convenient and feasible.

16. This Offer is limited to one reward per qualifying criteria, as per the devices listed above, whichever is applicable as per the required qualifying criteria.

17. The corresponding reward is not transferable or exchangeable for cash, credit, or any other items in part or whole.

18. The Bank does not offer or provide any warranties or accept any responsibility or liability concerning the device given under this Offer.

19. The Bank and Zurich International Life are not responsible for any loss, damage and/or injury sustained by the client or any other person arising directly or indirectly from using such reward.

20. Apple is not a participant in or a sponsor of this program.

GENERAL TERMS

21. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with this Promotion, including eligibility. The Bank’s determination of all matters relating to this Promotion shall be final and conclusive and no correspondence will be entertained.

22. The Bank reserves the right to do any of the following without prior notice or reason: (a) terminate, withdraw, shorten or extend this Promotion at the Bank’s sole discretion, with or without prior notice or reason; and/or (b) vary, modify, add or delete any of these Promotion T&Cs. You understand and agree to be bound by any such variation.

23. In the event of any inconsistency between these Promotion T&Cs and any brochures, marketing or promotional materials relating to this Promotion, these Promotion T&Cs shall prevail to the extent of such inconsistency.

24. These Terms are governed by the laws of United Arab Emirates and parties submit to the non-exclusive jurisdiction of the courts of United Arab Emirates.

DISCLAIMERS

Standard Chartered UAE is licensed by the Central Bank of the U.A.E.

Insurance: Life insurance products are provided and underwritten by Zurich International Life (Zurich). Standard Chartered Bank U.A.E. distributes the Products on behalf of the insurance provider and earns a commission from the insurance provider from the sale of this product. Standard Chartered Bank does not offer insurance advice or underwrite or issue insurance policies. Standard Chartered Bank shall not be responsible for the insurance provider’s actions or decisions, nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy/insurance contract or in any manner whatsoever regarding your application or the contract of insurance.

This information is general and does not take into account a person’s individual circumstances, objectives or needs.

Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on +971 600 5222 88, and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/

Arabic version will be available upon request.

Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18.The Principal Office of Standard Chartered Bank is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

(Credit Cards Terms and conditions)

• Staff applying for a Journey credit card as a Primary card (without an existing SCB credit card and without having closed a credit card in the past twelve months) will also be eligible to earn AED 1,000 cashback. Check the Journey product webpage to know more.
• The annual fee waiver on the Journey credit card is applicable only if it is maintained as the primary credit card. All other existing SCB credit card(s) must be be closed upon receiving the Journey credit card.
• Supperclub membership codes will be distributed to all eligible staff members by 30^th June 2025.
• Complimentary offers such as Warehouse Gym access, Golf round(s), 10% cashback on duty free stores and Careem airport transfers are subject to meeting the minimum spend requirement or by purchasing an air ticket. Kindly check the Journey product webpage to know more details on the benefits/feature conditions.
• For any further details or information, kindly reach out to the Credit Card’s product team at UAEWRB_CCPL UAEWRB_CCPL@exchange.standardchartered.com

Warning

• If your credit card account balance goes over the set credit limit at any point in time, your credit card account will be charged an over-limit fee. This fee will be applied on your statement date each month until you are within your credit limit. Please ensure to clear the over-limit amount immediately.
• If the minimum payment due is not paid on or before the due date, a late payment charge will be levied on the credit card account in addition to the monthly finance charges (interest/profit/fees).
• If you make only the minimum repayment each period, you will pay more in interest/profit/fees, and it will take you longer to pay off your outstanding balance.
• If you do not meet the repayments on your credit card, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Disclaimer

• Should you have any concerns or complaints regarding any of our products or services, you may raise your complaint by emailing us at complaint.resolution@sc.com or calling our Client Care Centre on ( (+971) 600 5222 88 outside the UAE) and we will get back to you within 2 working days. To know more about our Complaints Resolution process, visit https://www.sc.com/ae/customer-service/
• This email is intended only for clients of Standard Chartered Bank and does not tantamount to spamming.
• Standard Chartered PLC and its subsidiaries do not accept liability for damage caused by this email or any attachments and have no liability whatsoever to any person on account of the use of information provided herein, and the said information is provided on a best-effort basis.
• Arabic version will be made available upon request.
• Standard Chartered UAE is licensed by the Central Bank of the U.A.E.
• Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18.

The Principal Office of Standard Chartered Bank is situated in England at 1 Basinghall Avenue, London, EC2V 5DD.