We are changing the terms of our banking agreement.

With effect from 1 July 2016 (“Effective Date”), we are revising the following terms of our banking agreement that apply to our personal and electronic banking relationship and your accounts and products with us (collectively, our “Relationship”):

1. the Customer Terms;
2. the Current/Cheque/Savings Account and Time Deposit Terms;
3. the Personal Loan/Personal Line of Credit/Overdraft Terms;
4. the Credit Card Terms; and
5. the Investment Products Terms, which include, in respect of a Secured Wealth Lending Facility:
   1. Standard Terms and Conditions Governing Facilities Granted to Individuals; and
   2. Additional Standard Terms and Conditions Applicable to Facilities in Foreign Currency.

From the Effective Date, our Relationship will be governed by our revised Customer Terms and each of the revised product terms referred to above (as the case may be). Our Customer Terms shall apply to each product we provide you and they apply in addition to other terms of our banking agreement, including the relevant product terms and the tariff booklet.

What’s new with the latest Customer Terms and product terms?

Our revised Customer Terms include (amongst other things):

1. new provisions that govern your access to and use of your card through a digital wallet;
2. new provisions that govern your contactless payments and how to keep your card details safe;
3. incorporation of existing provisions that govern your use of the Standard Chartered touch login service;
4. incorporation of existing provisions that govern our right to clawback; and
5. revisions to definitions relevant to our Customer Terms, such as tariff booklet and permitted mobile device.

Our revised Current/Cheque/Savings Account and Time Deposit Terms and Personal Loan/Personal Line of Credit/Overdraft Terms include (amongst other things):

1. revisions to provisions that govern your use of Current/Cheque/Savings Accounts and Time Deposits and Personal Loan/Personal Line of Credit/Overdraft;
2. incorporation of existing provisions that govern your use of Renminbi-denominated Current/Cheque/Savings Accounts, Time Deposits and Remittances;
3. revisions to Securities Settlement Account Product Terms; and
4. revisions of references to existing definitions such as tariff booklet.

Our revised Investment Product Terms include (amongst other things):

1. revisions to general provisions relating to the provision and availability of services related to Investment Products;
2. revisions to our Terms Applicable for Dealing in Securities (Part B1) and General Terms Governing Structured Investments (Part C1);
3. revisions to our Safe Custody Service Terms (Part D) including the incorporation of existing terms and conditions relating to our custody services for Securities;
4. revisions to our Risk Disclosure Statements including the inclusion of a new Risk Disclosure Statement Relating to Index-linked Structured Investments; and
5. revisions to the Standard Terms and Conditions Governing Facilities Granted to Individuals (Part F) including the incorporation of existing provisions on definitions and interpretation.

Unless otherwise specified, all other terms and conditions relating to our banking agreement remain unchanged and continue to be binding on you.

When will the changes be effective? How will the changes affect me?

If you continue your banking relationship with us from 1 July 2016, these changes will apply to our Relationship with effect from 1 July 2016.
Our revised Customer Terms and product terms will replace all prior versions of those terms
Do read and understand the revised Customer Terms and product terms.
You should note that, in relation to the Investment Product Terms, the revised terms will apply to (amongst other things):

1. transactions and services in relation to investments that you deal with or through us from 1 July 2016;
2. any Secured Wealth Lending Facility granted to you from 1 July 2016;
3. instructions you give us from 1 July 2016 in relation to investments you have dealt with or through us prior to 1 July 2016 (each an “Existing Investment”);
4. your continued use of our services from 1 July 2016 in relation to any Existing Investment;
5. instructions you give us from 1 July 2016 in relation to any Secured Wealth Lending Facility granted to you prior to 1 July 2016 (an “Existing Facility”); and
6. your continued use, from 1 July 2016, of any Existing Facility.

Where do I obtain copies of the revised terms?

From the Effective Date (1 July 2016), you may obtain a copy of our revised Customer Terms and our product terms on our website at sc.com/sg/personal-banking-terms-conditions.html or simply click here . Alternatively, from 1 July 2016, you may also visit any of our branches or call 1800 747 7000 to request for hard copies of these terms.

For a preview of our revised Customer Terms and product terms, please click on the following links from 1 June 2016:

1. the Customer Terms;
2. the Current/Cheque/Savings Account and Time Deposit Terms & Personal Loan/Personal Line of Credit/Overdraft Terms;
3. the Credit Card Terms; and
4. the Investment Products Terms.

Who can I call if I have questions on these changes?

If you have any questions on the changes, please call our 24-hour Client Contact Centre at 1800 747 7000 or visit any of our branches. Dated 1 June 2016.