PLEASE READ THE FOLLOWING TERMS AND CONDITIONS AND DATA PROTECTION AND PRIVACY POLICY BEFORE USING THE ONLINE SERVICES OR THIS WEB SITE.

IF YOU ARE ACCESSING OTHER SCB OFFICES OR OTHER SCB GROUP WEB SITES OUTSIDE THE UNITED KINGDOM FROM THIS WEB SITE YOU SHOULD READ THE APPROPRIATE TERMS AND CONDITIONS, IF APPLICABLE, FOR THAT SITE.

THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU AND STANDARD CHARTERED BANK 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.

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 FOR 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.

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.

Standard Chartered Bank (“SCB”) is incorporated in England and Wales with limited liability by Royal Charter 1853, under reference ZC18 and the Principal Office of the Company is situated in England at 1 Basinghall Avenue, London, EC2V 5DD, United Kingdom

SCB controls and maintains this Web Site from England and SCB 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 English Law and any dispute shall be subject to the non-exclusive jurisdiction of the English Courts.

Please note transactions with any office of SCB outside the United Kingdom, or with any other SCB Group company outside the United Kingdom, are not protected by the United Kingdom’s regulatory regime for the conduct of investment business. Transactions with offices of non-Group companies referred to in this site will not normally be so protected unless otherwise indicated. Individuals may obtain on request a quotation in writing about the terms on which a company named in this site is prepared to do business.

The conduct of investment business with any SCB office or with any other SCB Group company outside the United Kingdom is regulated by the appropriate authority and applicable securities legislation for the relevant jurisdiction as specified on the Web Site and in the Terms and Conditions for that particular office or company. It is your responsibility to identify the appropriate regulatory authority for such investment business on a particular SCB Web Site and to ensure that such investment business qualifies for protection in your jurisdiction/country, as such securities legislation will vary from jurisdiction to jurisdiction.

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.

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 SCB Group 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 SCB 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 SCB 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.

SCB 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. SCB 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.

SCB 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 SCB 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 SCB 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. SCB’S INCLUSION OF HYPERLINKS DOES NOT IMPLY ANY ENDORSEMENT OF THE MATERIAL ON SUCH SITES.

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

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by SCB 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 SCB’s current Data Protection and Privacy Policy.

A copy of SCB’s current Data Protection and Privacy Policy may be accessed by clicking here.

You hereby agree to indemnify and to keep SCB 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 SCB arising from or which is directly or indirectly related to:-

(a) your access to and/or use of SCB’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 login password.

SCB 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.

SCB 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.

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.

“Standard Chartered”, “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 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 SCB using this Web Site, you hereby grant to SCB 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 SCB 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 SCB 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.

COPYRIGHT © STANDARD CHARTERED PLC 2002. ALL RIGHTS RESERVED.