(CONTAINS DISCLAIMERS AND INDEMNITIES)

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS AND WEBSITE PRIVACY STATEMENT BEFORE USING THE ONLINE SERVICES OF THIS WEB SITE (“Web Site”). AS THIS IS A LONG DOCUMENT, FOR YOUR OWN CONVENIENCE, PLEASE PRINT OUT A COPY FOR EASY REFERENCE.

THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU AND STANDARD CHARTERED BANK MALAYSIA BERHAD (“SCBMB”) AND/OR STANDARD CHARTERED SAADIQ BERHAD (“SCSB”) ESTABLISHING THE TERMS AND CONDITIONS UNDER WHICH THIS WEB SITE MAY BE USED. USE OF THE ONLINE SERVICE IMPLIES THAT YOU ACCEPT THESE TERMS AND CONDITIONS “(TERMS AND CONDITIONS”). IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, DO NOT ACCESS THIS WEB SITE AND DO NOT USE THE ONLINE SERVICES.

WE DO NOT OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS EITHER (A) THOSE SECURITIES ARE REGISTERED FOE SALE WITH THE U.S SECURITIES AND EXCHANGE COMMISSION AND WITH ALL APPROPRIATE U.S. STATE AUTHORITIES; OR (B) THE SECURITIES OR THE SPECIFIC TRANSACTION QUALIFY FOR AN EXEMPTION UNDER THE U.S. FEDERAL AND STATE SECURITIES LAWS NOR DO WE OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS (i) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL ARE PROPERLY REGISTERED OR LICENSED TO CONDUCT BUSINESS; OR (ii) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL QUALIFY FOR EXEMPTIONS UNDER APPLICABLE U.S. FEDERAL

AND STATE LAWS.

RETAIL BANKING OFFERS ARE NOT AVAILABLE TO PERSONS RESIDING IN AUSTRALIA.

NOTHING ON THIS WEB PAGE OR THE WEB PAGES OF ANY AFFILIATE SHOULD BE CONSTRUED AS AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO PURCHASE ANY SECURITIES WHERE IT WOULD BE ILLEGAL TO DO SO.

COMPANY DETAILS

Standard Chartered Bank in Malaysia, a member of the Standard Chartered Group was established in Malaysia in 1875 when its first branch opened for business in Penang. The Bank was locally incorporated as Standard Chartered Bank Malaysia Berhad on 29 February 1984.

Standard Chartered Saadiq Berhad, the Bank’s Islamic Banking subsidiary was established in November 2008. It offers a comprehensive range of Shariah-compliant products and services to individuals and corporates through its Saadiq financial centres (branches).

JURISDICTION AND RESTRICTIONS

SCBMB controls and maintains this Web Site from Malaysia and SCBMB together with SCSB makes no representation that the material and information contained herein is appropriate or available for use in other locations/jurisdictions. These Terms and Conditions are governed by the Laws of Malaysia and any dispute shall be subject to the non-exclusive jurisdiction of the Malaysian Courts.

THE DISTRIBUTION OF THIS WEB SITE’S MATERIAL MAY BE RESTRICTED BY LAW IN CERTAIN JURISDICTIONS. IT IS YOUR RESPONSIBILITY TO FIND OUT WHAT THOSE RESTRICTIONS ARE AND OBSERVE THEM.

PRODUCTS AND SERVICES

The information and material on this Web Site should not be regarded as an offer, solicitation, invitation, advice, or recommendation to buy or sell investments securities or any other instrument or banking product of Standard Chartered Bank Malaysia Berhad (“SCBMB”) and/or STANDARD CHARTERED SAADIQ BERHAD (“SCSB”) or any other issuer. Use of the products or services described at this Web 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 Web Site does not constitute an offer on the part of SCBMB or SCSB to provide products or services described therein to persons or entities resident in countries where local law or regulation does not permit their use.

Products and services are available only at the discretion of SCBMB or SCSB or the relevant Standard Chartered Group company or associate, subject to the products and services individual contractual 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 or services may not be available in all locations. Fees, commissions, or other charges may apply to certain services. You should check with the office that providing the services for details.

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

Transactions with any office of Standard Chartered Bank (“SCB”) (incorporated in England with limited liability by Royal Charter 1853, Reference Number ZC18) outside the United Kingdom, or with any other Group company outside the United Kingdom, are not protected by the United Kingdom’s regulatory regime. Transactions with offices of non-group companies referred to in this Web Site will not normally be so protected unless otherwise indicated.

DISCLAIMER

SCBMB AND SCSB 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. SCBMB AND SCSB 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.

SAVE FOR EVENTS LIKE ELECTRICAL OR NETWORK FAILURE DUE TO THE FAULT OF SCBMB OR SCSB OR A THIRD-PARTY VENDOR COMMISSIONED BY SCBMB OR SCSB AND ON-LINE HACKING RESULTING IN A THIRD PARTY OBTAINING UNAUTHORIZED ACCESS TO YOUR ACCOUNT, SCBMB OR SCSB WILL NOT, IN ANY OTHER CIRCUMSTANCE, BE LIABLE FOR ANY LOSS, DAMAGE OR EXPENSE INCURRED BY YOU ARISING DIRECTLY OR INDIRECTLY FROM YOUR USE OF THIS WEB SITE. WHILE INTERNET BANKING IS AVAILABLE TO YOU ONCE EFFECTED, 24 HOURS A DAY, SOME OR ALL OF THE SERVICES THEREON MAY NOT BE AVAILABLE AT CERTAIN TIMES DUE TO MAINTENANCE AND/OR COMPUTER, TELECOMMUNICATION, ELECTRICAL OR NETWORK FAILURE OR OTHER CAUSES BEYOND SCBMB OR SCSB’S CONTROL.

PLEASE NOTE THAT ANY SOFTWARE DOWNLOADED FROM THIS WEB SITE IS AT YOUR OWN RISK AND SCBMB OR SCSB 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 SCBMB OR SCSB 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. SCBMB OR SCSB’S INCLUSION OF HYPERLINKS DOES NOT IMPLY ANY ENDORSEMENT OF THE MATERIAL ON SUCH SITES.

SCBMB OR SCSB DOES NOT GUARANTEE THAT ANY E-MAILS FROM THE WEB SITE WILL BE SENT TO YOU OR RECEIVED BY SCBMB OR SCSB NOR DOES SCBMB OR SCSB WARRANT THE PRIVACY AND/OR SECURITY OF E-MAILS DURING INTERNET TRANSMISSION.

USE AND DISCLOSURE OF PERSONAL INFORMATION

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by SCBMB or SCSB from this Web Site from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with SCBMB or SCSB’s current Website Privacy Statement.

INDEMNITY

You hereby agree to indemnify and to keep SCBMB and SCSB 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 SCBMB or SCSB arising from, or which is directly or indirectly related to:

(a) your access to and/or use of SCBMB or SCSB’s Web Site and/or any other person or entity’s use of this service or Web Site where such person or entity was able to access the service or Web Site using your user id and/or password; or

(b) any breach or non-observance of any of these Terms and Conditions by you or by any other person or entity where such person or entity was able to access and/or use the Internet Banking service or Web Site by using your user id and password.

TERMINATION

SCBMB or SCSB may terminate this Agreement, your access to this Web Site and use of its Internet Banking service at any time, with or without cause or notice.

MODIFICATION

SCBMB and SCSB reserves the right in its discretion to change without prior warning or notice any information or material contained on this Web Site and the Terms and Conditions under which this Web Site is used.

INTELLECTUAL PROPERTY RIGHTS

All contents of this Web Site including, but not limited to 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 SCB and/or SCBMB and/or SCSB.

“Standard Chartered”, “Standard Chartered Bank”, are registered trademarks and service marks of Standard Chartered PLC and no permission or licence is granted to use any such trademarks or service marks without the prior written consent of Standard Chartered PLC. All other marks names and logos used on this Web Site (unless otherwise stated) are the intellectual property rights held by companies within the Standard Chartered Group.

In relation to any information or materials which you submit to SCBMB or SCSB using this Web Site, you hereby grant to SCB and/or SCBMB and/or SCSB a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution, and publication thereof, unless restricted by applicable law.

You agree that SCBMB and/or SCSB shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and SCBMB or SCSB or required by law.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual Terms and Conditions of particular products and services offered on or through this Web Site.