By submitting this application:

1. You agree and confirm that the operative signature for the new account will follow the specimen signature of the account from which funds have been transferred to open the new account.
2. You agree that the account applied for as well as any and all accounts) that may be at this date already be opened by You and/or that may hereafter be opened by You (collectively, “such account(s)”) will be subject to the terms indicated below.
3. You agree that any currency conversions effected by us will be at our prevailing exchange rate
4. You represent and warrant that all information (including any documents) You have given to us in connection with the application is correct, complete and not misleading. If this is not the case You may be personally liable;
5. You authorise us to verify any of the information You have given to us or Your credit standing from anyone we may consider appropriate (such as Your employer or an authority or credit reference agency);
6. You acknowledge that we may decline Your application without giving You any reason for doing so. If this happens, no contractual relationship arises between us and You and You consent to us retaining all supporting documents submitted by You for the processing of this application, regardless of whether this application is approved or not;
7. You confirm and agree that we may give any information in connection with this application (including Your personal information) to any service provider (whether located in or outside of Singapore) for the purposes of providing any service to You in connection with this application (including data processing);
8. You consent to each of Standard Chartered PLC and its subsidiaries and affiliates (including each branch or representative office) (“Standard Chartered Group”), its officers, employees, agents and advisers disclosing information relating to You (including details of the accounts, products or any security interest) to our head office and any other member of the Standard Chartered Group in any jurisdiction (“permitted parties”); professional advisers, service providers or independent contractors to, or agents of, the permitted parties, such as debt collection agencies, data processing firms and correspondents who are under a duty of confidentiality to the permitted parties; any actual or potential participant or sub-participant in relation to any of our obligations under our banking agreement between us, or assignee, novatee or transferee (or any officer, employee, agent or adviser of any of them); any credit bureau or credit reference agency, rating agency, business alliance partner, insurer or insurance broker of, or direct or indirect provider of credit protection to, any permitted parties; any financial institution which You have or may have dealings for the purpose of conducting credit checks (including in the form of blank references); any court, tribunal or authority (including an authority investigating an offence) with jurisdiction over the permitted parties; a merchant or a member of Visa International or MasterCard International where the disclosure is in connection with use of a card; any authorised person or any security provider; anyone we consider necessary in order to provide You with services in connection with an account;
9. You have read and understood our Customer Terms, Current/ Cheque/ Savings Account and Time Deposit Terms, Product Terms applicable to the product(s) You applied for, namely, e$aver Account Product Terms if you are applying for e$aver Account, XtraSaver Account Product Terms if you are applying for XtraSaver Account, and SuperSalary Product Terms if you are applying for Super Time Deposit Account and the applicable documents referred to in Part A of our Customer Terms forming our banking agreement, which are available at any of our branches and on our website at www.sc.com/sg and You agree to be bound by them for the use of any product we may provide You with. You acknowledge that You are bound by any variation we make to these documents, in accordance with our banking agreement. In particular, You understand that by entering into our banking agreement You give indemnities, authorisations, consents and waivers and agree to limitations on our liability;
10. You consent to us contacting You at the address, email address and phone numbers You have provided to us, to give You information on other products and services that we, or our strategic partners, may offer. You further consent to us sharing any of Your information in relation to this application with any of our strategic partners;
11. You consent to us sending at Your sole risk, by ordinary mail or other means we deem appropriate, any credit card, all information regarding Your account, personal identification number, all statements of accounts, cheques, Your security codes relating to Your access to the electronic banking services, and any other communications or correspondences addressed to You (collectively “personal information”) in accordance to Your addresses on our records. You agree that any risks (e.g, non-receipt or disclosure to any unauthorised third party) arising from the sending of the personal information will be fully borne by You and that we will not be held responsible in any way for any losses that may be suffered by You as a result of the non-receipt or disclosure of the same to any unauthorised third party;
12. You agree that at Your sole risk, we are authorised but not obliged, to receive any instruction given by or over telephone, mobile telephone, telex, facsimile transmission, telegraph, cable, computer, email or any other electronic equipments, short message services from mobile telephone (collectively “Oral Instructions”) from or purporting to be from You without separate verification by us as to the genuineness of the Oral Instructions;
13. You apply for our electronic banking services and acknowledge that Your use of the electronic banking services is governed by our banking agreement and our Electronic Banking Terms and Conditions;
14. You confirm that You are not an undischarged bankrupt and no statutory demand has been served on You at the same time of this application;
15. You authorise us to debit any of Your accounts maintained with us either singly or jointly with any other person for any arrears, outstanding fees, monthly repayment, accrued interest and all other monies due and payable to us without any further reference to You;
16. If You are the Principal Cardholder, You acknowledge that You will be liable for all transactions made using Your card and the supplementary card(s). If You are the Supplementary Cardholder(s), You will be liable for all transactions made using Your supplementary card(s);
17. If You request for ATM access, You agree that signing or the using of the card as an ATM card will indicate Your acknowledgement and acceptance of our banking agreement; and
    If applicable, You ask for a debit card to be issued to the Principal Cardholder, and You agree that signing or the using of the debit card as an ATM card will indicate Your acknowledgement and acceptance of our banking agreement.