5. CHARGES

5.1 When you become a customer, we will give you upfront details of any charges applicable to the products chosen by you.

5.2You can also find out about our charges by:

• asking our staff at the branch where you have your account
• phoning our help-line or
• looking on our website.

5.3 If we increase any of these charges or introduce a new charge, it will be notified at least one month before the revised charges are levied / become due.

5.4 We will tell you the charge for any other service or product before we provide that service or product, and at any time you ask.

5.5 We will give you details of any charges we levy for using ATMs.

6. TERMS AND CONDITIONS

6.1 Whenyou become a customer or accept a product for the first time, we will give you the relevant terms and conditions for the service you have asked us to provide.

6.2 All written terms and conditions will be fair and will set out your rights and responsibilities clearly and in plain language. We will only use legal or technical language where necessary.

6.3 Changes to Terms and Conditions When you become a customer, we will tell you how we will let you know / notify about changes to terms and conditions.

6.4 Normally, changes [other than interest rates] will be made with prospective effect giving notice of at least one month. If the changes are to your disadvantage, you may close the account at any time up to two months from the date of the notice without having to pay any extra charges or interest for doing this.

6.5Changes in the interest rates on our products [deposits and advances] from time to time will be notified as per the bank’s policy/practice.

7. Advertising and Marketing

7.1 Wewill make sure that all advertising and promotional material is clear, fair, reasonable and not misleading.

7.2 We will seek your specific consent for giving details of your name and address to any third party, including other entities in our group, for marketing purposes.

7.3 We would like to provide you with the entire range of financial services products, some of which are our own products while some others are the products of our group/associate/entities or companies with whom we have tie-up arrangements. We will however tell you about our associate / group entities or companies having business tie-up arrangements with us and if you so desire, direct their staff / agents for marketing their products.