These Rules and Regulations apply to and regulate the provision of Manhattan Credit Card facilities by Standard Chartered Bank, India.

1. Definitions:
a."Applicant" means an individual who has applied for a  Manhattan  credit card;
b."Bank" means Standard Chartered Bank, its successors, assignees, agents and      authorised representatives;
c."Account Holder" means a CardMember in whose name the Bank has opened a      Card Account
d."Card" or "Credit Card" means the Manhattan VISA Credit Card issued by the      Bank to a CardMember and includes a Supplementary and Add-on Card.
e."Card Account" means an account opened in the name of the CardMember and      maintained by the Bank for the purpose of usage of the Card within of India,      Nepal and Bhutan as per the Rules and Regulations contained herein;
f. "CardMember" or "Cardholder" means an individual to whom a Card bearing that      individual's name is issued by the Bank or an individual who uses the Card      issued by the Bank, and includes a Supplementary and Add-on CardMember;
g."Cash Limit" means the maximum amount of cash as defined or prescribed by      the Bank, that the CardMember can withdraw on his Credit Card including the      Supplementary Card. Cash Limit forms a subset of the CardMember's Credit      Limit;
h. "Charge", "Voluntary Charges" and "Involuntary Charges" shall have the meaning      ascribed to those words in Clause 5 below;
i. "Credit Limit" means the limit upto which the CardMember is authorised to spend      on his Credit Card including the Supplementary Card;
j. "Merchant" means any person who owns or manages or operates a Service      Establishment;
k. "Overseas Transactions" means an account opened in the name of the       CardMember an maintained by the Bank for the purpose of use of the card      outside of India, Nepal and Bhutan as per the Rules and Regulations contained      herein;
l. "Person" means any individual, corporation, firm, company, institution, or other      natural or legal person.
m. "Statement" or "Card Statement" means a monthly statement of account sent      by the Bank to an Account Holder setting out the financial liabilities on that date,      of the Account Holder CardMember and Supplementary CardMember in respect      of the Card Account.
n. "Transaction Instruction" means any instruction given by a CardMember using a      Card directly or indirectly to the Bank to effect a transaction. Transaction      Instruction shall include, but not be limited to a charge slip, a cash advance slip      or a mail order coupon;
o. "Service Establishment" means an establishment wherever located which      honours the Card and shall include among others, stores, shops, restaurants,      hotels, airline organisations, cash advance points including ATMs and mail order      advertisers including mail order outlets (whether retailers, distributors or      manufacturers); In this document, all references to a masculine gender shall be      deemed to include the feminine gender and vice-versa and all references to the      singular number shall include references to the plural number and vice-versa.

2. Applicability of the Rules and Regulations:
    The Card shall be used subject to the rules and regulations mentioned herein     and any additional rules and regulations, which the Bank shall, in its sole     discretion, prescribe from time to time. The Applicant by signing the application     form for the Credit Card or the CardMember by signing on the reverse of the Card     or the CardMember by using the Card immediately without demur conveys his     acceptance of these rules and regulations and amendments thereto.

3. The Card and its use:
a. The Card is the property of the Bank and shall be surrendered to the Bank at the     Bank's Card Service Centres immediately on demand by the Bank. When     surrendering the Card, the CardMember shall cut the card into four pieces to     destroy the Card.
b. The Card shall be issued and used only for the purchase of goods or services,     which is for bonafide personal and / or official purposes. The Card shall be     issued and / or used only strictly in accordance with the Regulations issued by     Reserve Bank of India (RBI) from time to time including the Exchange Control     Regulations and the Foreign Exchange Management Act, 1999 (FEMA) and     regulations thereunder. In the event of failure of the CardMember to comply with     the same, the CardMember is liable for action under the applicable laws and     regulations and shall be debarred from holding the Credit Card either as directed     by RBI or at the sole discretion of the Bank. The CardMember accepts full     responsibility to wrongful use in contravention to these rules and regulations and     undertakes and agrees to indemnify the Bank to make good any loss, damage,     interest, any financial charges that the Bank may incur and / or suffer as a result     of the CardMember committing violation of the provisions thereof.
c. The Card shall be used within the Credit Limit and Cash Limit assigned to each      Card as notified by the Bank.
d. The CardMember should not exceed the Credit Limit and Cash Limit, and if the     Credit Limit and / or Cash Limit is/are exceeded, the CardMember shall      immediately reduce the use of the Card in excess of the credit limit.
e. Where the Bank issues add on Cards, extent of use of all Cards so issued is to     be limited by the credit limit set for the Card Account.
f. (i) The CardMember shall at all times be responsible for the safe custody of the        Card.
    (ii) The Card is not transferable.
  (iii) The CardMember shall sign on the reverse of the Card immediately upon         receipt of the same.
g. The CardMember shall not use the Card after the month of expiry embossed on     the card.
h. If the CardMember, for any reason whatsoever, wants to stop using the Card,     he/she shall be solely responsible for invalidating the Card by destroying the     same under intimation to the Bank. In the event Charges are incurred on the     Card after the CardMember claims to have destroyed the Card, the CardMember     shall be entirely liable for the Charges incurred on the Card whether or not the     same are the result of the misuse and whether or not the Bank has been     intimated of the destruction of the Card.
i. The CardMember may use this card for payment of subscription to foreign     magazines/periodicals or purchases made on the internet. However, The Card     cannot be used on internet or otherwise for effecting remittances for the     purposes for which the release of exchange is not permissible under the     extant regulations like subscription to
    a. magazines which are on the prescribed / banned lists and
    b. football pools, sweepstakes or lotteries, payment for call-back service.
    c. Any product or service which is prohibited under the applicable law, rules and         regulations for the time being in force and / or is against public policy.
j. The CardMember's right to use the Card shall determine forthwith
     (i) in the event of termination pursuant to Clause 10 below, or
     (ii) in the event of loss or theft of the Card.
k. The CardMember agrees that he/she has made a standing request that renewal     and/or replacement Cards be issued to each CardMember until such time as the     Bank is notified by the CardMember, and subject to the discretion of the Bank.     However, the Bank reserves the right to decline to renew the Card at its sole     discretion without assigning any reason whatsoever. In the event of such non     -renewal the CardMember shall immediately settle the balance due to the Bank     without demur or delay.
l. The CardMember undertakes to act in good faith at all times in relation to all     dealings with the Card and the Bank.
m.The CardMember can use the Card to access cash from Automated Teller     Machines (ATM's)/cash dispensers of Standard Chartered Bank or other banks     participating in the VISA Domestic ATM networks within India and all ATMs     overseas which carry the VISA/PLUS logos. The CardMember is advised to     retain a record of transactions generated by the ATM/Branch with him/her. A     transaction Charge will be levied which will be subject to change at the Bank's     discretion.
n. If the Card is a non-photocard, cash advances made across the counter, if the     Bank is offering such facility, may be disbursed only on production of a photo     identity acceptable to the Bank.
o. The Bank reserves unto itself the absolute discretion and liberty to decline or     honour the authorization requests on the Card without assigning any reason     whatsoever.
p. The Bank reserves unto itself the absolute discretion and liberty to change credit     limits, increase or decrease, without assigning any reason whatsoever.
q. The CardMember may be entitled to choose from various activities, events and     privileges conducted / offered by the Bank promoted under the scheme called     Manhattan 'Experiences'. The Bank shall be, at its sole discretion, entitled to     vary the list and/ or remove 'Experiences' at a short notice without intimation to     the CardMember. The Bank shall not be liable for the quality of the 'Experiences'     or for any loss, injury or death which may be caused due to CardMember     participation in any of the 'Experiences'. The Bank shall be entitled to vary the     fees charged from the 'Experiences' from time to time and at its sole discretion.
r. Without prejudice to the other rights of the Bank hereunder, in case of delay in     payment of the dues payable under the Card, the Bank reserves the right to     withdraw the Card privileges by instructing the Service Establishments not to     honour the Card.

4. Usage of International credit card:
a. The CardMember as a resident of India can use his card for making personal     remittances, which are permitted under the extant Exchange Control     Regulations subject to the applicable ceilings, if any, and compliance with     conditions and documentation prescribed for the purpose concerned.
b. The CardMember as an Indian resident going abroad can use the card for all     bonafide personal expenses, including the purchase of goods for personal use     provided, the total exchange drawn during the trip abroad does not exceed the     CardMember's entitlement as prescribed under the applicable laws, rules and     regulations. Import of goods so purchased abroad into India would be governed     by the Baggage Rules /Exim Policy in force. The CardMember may, if they so     desire, draw foreign exchange against the Card in the form of foreign currency     notes/travelers cheques to the extent of the entitlement from an Authorised     Dealer/full fledged money changer. Sale of such foreign currency notes/travelers     cheques out of entitlement would be governed by extant regulations and would     be subject to the applicable ceilings.
c. International credit cards to NRIs: International credit cards may be issued to     NRIs/ PIOs. Such transactions should be settled by inward remittance or out of     balances held in the cardholder's FCNR/NRE/Non-Resident (Ordinary) Rupee     accounts
d. A CardMember, who changes or intends to change his residential status from     Resident Indian to Non-Resident Indian or vice versa or who is emigrating and/or     proceeding abroad on permanent employment, shall not use the Card for drawing     foreign exchange and shall immediately settle the outstanding dues on his Card     Account irrespective whether a Card Statement has been received by the     CardMember or not. The CardMember shall ascertain the outstanding dues on     the Card by enquiring from the Bank's Card Service Centres. The CardMember     shall, after settling the outstanding dues, invalidate and surrender the Card by     cutting the card into four pieces to destroy the same. Thereafter, the     CardMember shall inform the Bank of the same in writing.
e. Cards to Foreign Nationals: A foreign national who is a CardMember shall avail of     cash advances within the limits specified by the RBI and notified from time to     time. In the event the Applicant/CardMember is a foreign national residing in     India, he/she hereby undertakes to inform the Bank's Card Service Centres     before leaving the country permanently and shall immediately settle the     outstanding dues on his Card Account irrespective whether a Card Statement     has been received by the CardMember or not. The CardMember shall ascertain     the outstanding dues on the Card by enquiring from the Bank's Card Service     Centres. The CardMember shall, after settling the outstanding dues, invalidate     and surrender the Card by cutting the card into four pieces to destroy the same.     Thereafter, the CardMember shall inform the Bank of the same in writing.

5. Charges:
a. Charges comprise each of the following:
     (i) Voluntary Charges, namely:
        A. the amount of any purchase of goods and/or services made by a                             Transaction Instruction;
        B. the amount of any cash advance provided pursuant to a Transaction                     Instruction;
         C. any amount which the Bank is requested to debit to the Card Account and               which the Bank debits pursuant to such request; and
         D. any amount chargeable to the Card Account by virtue of a Transaction                     Instruction.
     (ii) Involuntary Charges namely:
         A. any fees charged by the Bank in respect of a Card Account or Card,                     including entrance, annual replacement, renewal, handling, late payment,               overlimit, inactivity /non usage of Card.
         B. The Bank's finance charges made on any Charge and
         C. commission on specific types of transactions.
b. The method of calculation of Involuntary Charges will be those notified from time     to time by the Bank in the Statement or on the reverse thereof, or otherwise in     accordance with Clause 16 below.
c. The Card carries no annual fee, joining fee or renewal fee, however the Bank     reserves its right to charge any fee on the Card, without notice and at its     discretion and for such amount as it may deem fit.
d. The Bank may at its discretion vary the interest rates chargeable for each     CardMember individually depending upon spending and payment patterns of the     CardMember. Any such variation of interest rate shall be intimated to the     respective CardMember in writing or on the reverse of the Card Statement.
e. The Bank record of the amount of any Charges shall, in the absence of manifest     error, be final and binding on the CardMember and shall be conclusive in any     case where the Bank has effected any payment pursuant to a Voluntary Charge. f. Charges in Foreign Currency: all such charges will be billed in the Cardholder's     billing statement in Indian Rupees. Each Cardholder hereby authorises the Bank     to convert Charges incurred in a foreign currency to the Indian Rupee equivalent     there of at such rate as the Bank may from time to time designate.
g. Any payment of a charge made by the Bank will be with full recourse to the     CardMember and will not be considered as absolving the CardMember of any     liability in relation to incurring of such Charge or payment thereof by the Bank     and the Bank shall be fully indemnified and held harmless against all     consequences of such payment, by the concerned CardMember.
h. Transactions with Airlines/Railways: When a ticket is booked with a Card, the     CardMember will be billed in the monthly statement of the Card Account. As     purchase & refund of the ticket are two separate transactions, the CardMember     will have to pay for the purchase of the ticket as per the billing. For any ticket     subsequently cancelled amount will be credited to the Card Account (less     cancellation charges) as and when the credit advice is received from the Service     Establishments (Airlines & Railways/Acquiring Bank). In the event credit advise     from the Service Establishments (Airlines & Railways/Acquiring Bank), which     could take upto 45 days from date of cancellation to reach the Bank, is not     received even after 45 days from the date of cancellation, credit may be effected     by the Bank at its discretion, to the Card Account, provided the CardMember     submits the original credit charge slip to the Bank. Service charges as may be     applicable from time to time will be levied in such cases.
i. The CardMember agrees without demur that all charges with respect to the issue    and use of the Card are subject to change without prior notice at the sole    discretion of the Bank.

6. Transaction Instructions:
a. Transaction Instructions comprise each of the following:
      (i) In the case of purchase of goods and/or services, the record of the amount of           such purchase prepared by the person supplying the same and submitted to           the Bank's Card Service Centres or the Bank;
     (ii) the input to the Bank's computer of such instructions, and
    (iii) any other instructions which the Bank is requested to effect and which the           Bank effects pursuant to such request.
b. (i) The Bank will provide a Personal Identification Number to be used in           conjunction with the Card when effecting a Transaction Instruction at an           ATM.
     (ii) The CardMember must under no circumstances whatsoever disclose the           Personal Identification Number to any other Person.
    (iii) Any ATM transaction put through using a card will render a CardMember           liable not withstanding CardMember claiming non receipt of the Personal           identification number.
c. (i) The Bank shall be entitled (but not bound) to give effect to any Transaction           Instruction upon receipt of the same and as though the same were submitted           by the CardMember to the Bank's Card Service Centres or the Bank in           writing and signed, and for the avoidance of doubt, the CardMember hereby           authorises the Bank to do so.
     (ii) The Bank's record of any Transaction Instruction effected in conjunction with           a Personal Identification Number shall be binding on the CardMember as to           its consequence.

7. Disputes:
a. Any Charge or other payment requisition received from a Service Establishment     by the Bank for payment shall be conclusive proof that the Charge recorded on     such requisition, was properly incurred at the Service Establishment by the     CardMember referred to in that Charge or other requisition, as the case may be,     by the use of the Card except where the Card has been lost, stolen or     fraudulently misused, the burden of proof for which shall be on the CardMember.     The other payment requisition referred to in this Clause shall include any and all     payments pertaining to permissible expenses incurred by a CardMember at a     Service Establishment by use of the Card which is not recorded as a Charge     such as miscellaneous hotel charges etc. Signature of the CardMember on such     charge slip together with the CardNumber noted thereon shall be conclusive     evidence as between the Bank and the CardMember as to the extent of liability     incurred by the CardMember and the Bank shall not be required to ensure that     the CardMember has duly received the goods purchased/to be purchased or has     duly received the service availed or to be availed to the CardMember's     satisfaction. Should the CardMember disagree with a charge indicated in the     statement, the same should be communicated to reach the Bank's Card Service     Centres or the Bank within 15 days of receipt of the Statement, failing which it     would be construed that all Charges and the Statement are entirely in order.     Authority to charge CardMember's Account in respect of Charge made/to be     made, services availed/to be availed would be given by the CardMember either in     the form of a charge slip as used at the service establishment and provided by     an authorised Visa/MasterCard member bank or such other form as may be     prescribed by the Bank. The Bank shall make bonafide and reasonable efforts to     resolve an aggrieved CardMember's disagreement with the applicable Charge     indicated in these statements, within a month of receipt of the notice of     disagreement. If after such effort, the Bank determines that the Charge indicated     in the Statement is correct, then it shall communicate the same to the     CardMember along with details, including a copy of the charge slip or payment     requisition. The CardMember shall thereafter without demur make payment     includinginterest and any other applicable charges.
b. Dishonour of the Card: The Bank accepts no responsibility for refusal by any     Establishment to honour the Card. Nor will the Bank be responsible in any way     for any goods or services supplied to the CardMember. Complaints against the     Establishments should be resolved by the CardMember with the Establishment,     and any claim by the CardMember against the Establishment, will not relieve the     CardMember from any obligation to the Bank hereunder.
c. Change of address: It is obligatory on the part of the CardMember to inform the     Bank of any change in name or address at one of its Card Centre offices by     either telephone or in writing.
d. Lost Card Liability and fraud charges: In the event of misuse of the Card it is     obligatory on the part of the CardMember to send to the Bank' s Card Service     Centres or the Bank a copy of the notarised Affidavit confirming loss of the Card     and disclaiming the Charges and also send to the Bank's Card Service Centres     or the Bank a copy of the acknowledged report lodged with the local police     authorities/law enforcement agency where the loss occurred

8. Quality of Goods and Services:
     The Bank shall not be in any way responsible for merchandise, warranty or      services purchased or availed of by CardMember  from Service Establishments      including on account of delay indelivery, non-delivery, non-receipt of goods or           receipt of defective goods from mail order placed by the CardMember. It must be      distinctly understood that the card facility is purely a facility to the CardMember      to purchase the goods or avail of services and the Bank holds out no warranty or      makes no representation about quality, quantity, delivery or otherwise howsoever      regarding the goods or services, and any dispute must be resolved by the Card      Member with the Services Establishment. The existence of a dispute shall not      relieve the CardMember of  his obligation to pay all Charges and the Card
     Member agrees to pay promptly  such Charges, not with standing any pending      dispute or claim whatsoever. All liquor charges shall be subject to the laws in
     each State for acceptance of the Card. The Experience Packages being offered      to the cardmember will be on a "best effort" basis. The bank does not guarantee      the cardmember about information or invitation to any and all events. The Bank      has tied up with various service providers to bring this feature and will not be held      accountable for the quality of service or product provided. The Bank also
     reserves the right to suspend or withdraw this feature at the bank's discretion           and without notice.

9. Exclusion of Liability:
    Without prejudice to the foregoing, the Bank shall be under no liability     whatsoever to the CardMember in respect of any loss or damage arising directly     or indirectly out of;
a. any defect in any goods or services supplied;
b. the refusal of any person to honour or accept a Card;
c. the malfunction of any computer terminal;
d. the giving of TransactionInstruction other than by a CardMember;
e. any statement made by any person requesting the return of the card or any act     performed by any person in conjunction;
f. handing over of the Card by the CardMember to anybody other than designated    employees of the Bank at the Bank'spremises or at the Bank's Card Service    Centres;
g. the exercise by the Bank of its right to demand and procure the surrender of the     Card prior to the expiry date embossed on its face, whether such demand and     surrender made and/or procured by the Bank or by any Person or Computer     terminal;
h. the exercise by the Bank of its right to terminate any Card or the Card Account     pursuant to Clause 15; or
i. any injury to the credit character and reputation of the CardMember alleged to     have been caused by therepossession of the Card and/or, any request for its     return or the refusal of any service establishment / mail order establishment to     honour or accept the Card.
j. any mis-statement, mis-representation, error or omission in any details disclosed     by the Bank pursuant to Clause 10.
k. decline of a charge because of exceeding foreign exchange entitlements as      prescribed by RBI guidelines issued from time to time, on the Bank becoming      aware of the CardMember exceeding his entitlements
l. In the event a demand or claim for settlement of outstanding dues from the     CardMember is made either by the Bank or any person acting on behalf of the     Bank, the CardMember agrees and acknowledges that such demand or claim     shall not amount to be an act of defamation or an act prejudicial to or reflecting     upon the character of the CardMember, in any manner.

10. Disclosure of information:
     The CardMember hereby agrees that as a pre-condition to the application for this      Card by him/her to the Bank and / or issuance of the Card to him/her by the      Bank, in the event he/she commits default in the payment of charges / dues /      interest on the Card Account, the Bank and / or Reserve Bank of India will have      an unqualified right to disclose or publish his/her name as defaulter in such      manner and through such medium as the Bank or Reserve Bank of India in their      absolute discretion shall deem fit. Notwithstanding the foregoing, the Applicant /      CardMember hereby authorises the Bank to provide information about the      Applicant / CardMember and/or the Card Account to disclose such information      relating to my /our credit facility/ies to such parties or authorities whether      statutory or otherwise, regulator/s, organisations, bodies, as may be deemed      necessary at the sole discretion of the Bank.

11. Lost Card Liability:
     If a card is lost or stolen in India, the CardMember must immediately inform the      Bank's Card Service Centres in India or the Bank; if a Card is lost/stolen while      travelling outside India, the CardMember must immediately inform either the      Bank's Card Service Centres in India or the MasterCard/VISA Global Emergency      Assistance HelpLines. Charges as applicable (refer your Facilities Directory for      details) for the usage of services provided by the Visa/MasterCard Global      Emergency Assistance Services will be billed by the Bank and payable by the      CardMember. In either case, the CardMember must also file a report with the      local Police / law enforcement agency where the loss/theft occurred. The      CardMember must send the Bank's Card Service Centres or the Bank a copy of      the acknowledged report filed with the local police/law enforcement agency. The      CardMember will be liable for Charges incurred on the Card until the Bank's Card      Service Centre in India or the Visa/MasterCard Global Emergency Assistance      HelpLines are intimated of the loss. A CardMember may report a Card lost over      the telephone duly supported thereafter by written intimation, duly signed. The      Bank may upon adequate verification, temporarily suspend the Card Account      and will not be liable for any inconvenience caused to the CardMember, on this      account. After effective intimation to the Bank's Card Service Centres in India in      the event of card lost/stolen in India, or effective intimation to either the Bank's      Card Service Centres in India or the MasterCard/Visa Emergency Assistance      Helpline in the event of Card lost/stolen outside India, of the loss, the      CardMember's liability in case of adherence to the above, will be NIL. Once a      Card is reported lost, stolen or damaged, the Card should not be used again,      even if found subsequently as it may result in dishonoured transactions. The      CardMember declares that if a Card is reported lost, stolen or damaged and is      subsequently found, the CardMember, shall be solely responsible for invalidating      the card by destroying the same under intimation to the Bank. In the event      Charges are incurred on the Card after the CardMember claims to have      destroyed the Card, the CardMember shall be entirely liable for the Charges      incurred on the Card whether or not the same are the result of the misuse and      whether or not the Bank's Card Service Centres or the Bank has been intimated      of the destruction of the Card. The CardMember is responsible for the security of      the Card at all times and shall take all steps towards ensuring the same. In the      event the Bank determines that the aforementioned steps are questionable,      financial liability on the lost/stolen Card would rest with the CardMember and      could even result in cancellation of the Card Account. In case of loss / theft /      damage of the Card, a replacement Card may be issued at the sole discretion of      the Bank.

12. Payment:
a. Statements will not be issued for accounts with balances less than INR 100/-      only when a new transaction reflects in the account. For accounts reflecting a      credit balance, statements will be issued only when a new transaction reflects in      the account.
b. The CardMember shall pay to the Bank upon receipt of the Statement, the      "Minimum Payment Due" amount described in the Statement against "Domestic      Transactions" by the "Payment Due Date" stipulated thereon.
c. Each CardMember is liable, jointly and severally with the Account Holder, to pay      the Bank "Minimum Payment Due" to the Bank's Card Service Centres upon      receipt of the Statement by the CardMember.
d. The Applicant / CardMember agrees that the Bank shall have a paramount      charge, lien and right of set off on all monies, securities, deposits and other      assets and properties belonging to the Applicant / CardMember or standing to      the Applicant's / CardMember's credit (whether singly or jointly wth any other      person/s) in any account whatsoever with any branch of the Bank for any      purpose whatsoever, without notice to the Applicant / CardMember, to adjust      any outstanding in the Card Account in the event that payments as defined here      under are in arrears/due.
e. Payments to the Bank in respect of the liabilities of the Applicant shall be      deemed not to have been made until such time as the Bank has received the      relevant cleared funds.
f. (i) Payments of any amount less than the "Statement Balance: shown on the          Statement will be appropriated by the Bank in order of priority notified by the          Bank in Clause 19
     (ii) of these Rules and Regulations.
    (iii) The CardMember hereby waives all right to appropriate payments in any other          manner.
g. All amounts due to the Bank under these Rules and Regulations shall be      payable without any deduction whatsoever by way of set off or counterclaim or      otherwise of any amount due or alleged to be due or outstanding from the Bank      or any other Person and notwithstanding any legal limitation, disability or      incapacity of any CardMember. The Bank shall have general lien on all the      assets/monies/deposits/securities belonging to the CardMember and which are      in or under the possession, control or power of the Bank.
h. Any credit given in respect of the supply of goods and/or services will be applied      by the Bank to the Card Account only after receipt by the Bank's Card Service      Centres of notification in form acceptable to the Bank and in accordance with the      prevailing MasterCard/Visa rules and regulations as applicable.
i. The Bank will be entitled (but not bound) to give effect to any instructions given by      the CardMember that payment may be effected by crediting the Card and      debiting with the like amount such other account as may have been established      by the CardMember with the Bank.
j. In the event that a cheque representing payment as defined above, is returned by      the drawee Bank for any reason, the CardMember shall be liable for criminal      proceedings in terms of the provisions contained in the Negotiable Instruments      Act, 1881 or its successor.
k. The entire outstanding dues in the Card Account shall become payable in full by      the CardMember, his successors or assignees, in the event of death, insolvency      or winding up of business of the CardMember. In the event that repayment      liability is borne by a CardMember's employer and in the event that such      employer's business is wound up or becomes bankrupt or is declared insolvent      for any reason whatsoever, and/or is unable to make such payment, the      CardMember shall be personally held liable for the settlement of all dues to the      complete satisfaction of the Bank.
l. In the event of non-receipt of the Statement for any reason whatsoever, the      CardMember undertakes to call the Bank's Card Service Centres to request      his/her latest balance and/or a duplicate copy of the Statement, and to pay the      Bank the sum total of all dues.
m. As per RBI guidelines, the CardMember need not submit document-ary      evidence like invoice/bills etc. for use of the Card for the purposes listed in      Clause 4 (b) if the remittance involved is less than $ 250 or its equivalent, and      the Authorised Dealer is satisfied about the bonafides of the remitter and the      purpose of remittance.
n . It is the Cardholder's onus and liability to make payment against all balances in      Overseas Transaction accounts.
o. As per RBI guidelines, in case the amount on account of use of the Card during      visits abroadexceeds the CardMember's foreign exchange entitlements, the      CardMember should provide the reimbursement claimed, and the Bank is      authorised to report the matter to the Regional Office of the Exchange Control      Department giving full details. However under no circumstances should      repayment of the credit card bill/dues be delayed or refused on the grounds of      excess drawing.
p. Payments will be considered acceptable to the Bank where A/c Payee and      crossed cheque/drafts payable to "SCB A/c (Card No.)" or "Manhattan A/c (Card      no)" are drawn on Banks in the cities of Ahmedabad, Bangalore, Baroda,      Calcutta, Coimbatore, Delhi, Hyderabad, Madras, Mumbai and Pune, Cheques      drawn on other centres will be considered outstation cheques, proceeds of which      will be obtained on a collectionbasis and upon which the Bank's and agency      applicable collection service charges will be charged. The Card Account will be      credited only on receipt of proceeds from the drawee bank and will be for the      amount net of the Bank's collection charges as applicable from time to time.
q. Cross default: TheCardMember expressly accepts that if the CardMember fails      to pay any monies when due or which may be declared due prior to the date      when they would otherwise have become due or commits any other default under      Agreement/applicable Rules and Regulations (including CardMember Rules and      Regulations) with the Bank under which the CardMember is enjoying any      financial/credit/other facility, then in such event, the Bank shall without prejudice      to any of its specific rights under each Agreement or Rules and Regulations, be      absolutely entitled to exercise all or any of its right as set out in this Rules and      Regulations at the sole discretion of the Bank.
r. Authorized debt collection Agency: The Bank reserves the right to assign dues      from any CardMember to its authorized collection agency to collect the amount      outstanding due and that the Bank shall be entitled to debit the CardMember      account with the expenses it has incurred in doing so.
s. Returned Payments: In case any payment instrument forwarded by the      CardMember/on behalf of CardMember is not honoured the Bank reserves the      right to proceed legally against the CardMember and would at its discretion levy      penal fees and/or cancel the Card facility.

13. Amendments:
a. These Rules and Regulations shall be amended by the Bank at any time and      from time to time without the consent of the CardMember and the CardMember      shall be bound by the same.
b. Any such amendment, shall be deemed to be effective and binding on the      CardMember in accordance with the notice issued in terms of Clause 16(b)      below.

14. Breach and Termination:
a. Breach: In the event of any breach of the terms of these Rules and Regulations      by the CardMember;
    (i) not withstanding any other provision of these Rules and Regulations the           CardMember shall be liable for any loss directly or indirectly resulting from           such breach: and
     (ii) the CardMember shall be liable to pay the Bank upon demand all amounts           outstanding from the CardMember to the Bank whether due and payable to           the Bank at the date of such demand or not.
b. Termination
     (i) A. The CardMember may at any time terminate the Card Account by                 informing the Bank's Card Service Centres or the Bank either                 telephonically or in writing.
          B. Such notice will not take effect until the Card has been destroyed by the                 CardMember under intimation to the Bank's Card Service Centres or the                 Bank and subject to Clause 3 (h) of these Rules and Regulations.
          C. Save as aforesaid, neither the Card Account nor any Card may be                 terminated by the CardMember.
     (ii) The Bank may at any time, and with or without notice as the circumstances           in the Bank's absolute discretion may require, terminate the Card.
    (iii) On termination of the Card and notwithstanding any prior agreement or           arrangement between the Bank and the CardMember to the contrary:
          A. whether or not already reflected in the "Statement Balance" of a                 statement; and
          B. the amount of any Voluntary Charges incurred after termination (with                 effect from the date of the relevant Transaction Instruction), shall become                 forthwith due and payable by the CardMember as though they had been                 so reflected and interest will accrue thereon as applicable from time to                 time as the Bank may notify the monthly interest rate in the Statement.

15. Warning Bulletin:
      The Bank shall have absolute right and discretion to make reference of the Card       in the warning Bulletin in India or abroad notifying the Merchants to seize the       Card, without assigning any reason whatsoever.

16. Notices:
a. The Applicant / CardMember agrees and authorises the Bank to serve any       notice, statement, communication, demand for payment, legal process, to the       Borrower may at the address stated in the application form or to such other       address as may be intimated to the Bank by the Borrower in writing.
b. Any of the aforesaid documents may be served by sending the same by ordinary       post/personal courier; to the usual or last known address of the Account Holder,       and such document shall be deemed to have been, duly served four days after       the date of posting if mailed to any address in India.

17. Expenses of Enforcement:
      The CardMember agrees to indemnify the Bank in respect of any and all       expenses incurred by the Bank in enforcing or attempting to enforce these       Rules and Regulations including all legal fees and disbursements on a full       indemnity basis.

18. Add on Cards:
      With respect to more than one Card being issued on a Card Account, the holder       of any such additional Card on the Card Account and the CardMember       authorising its issuance are jointly and severally bound by these Rules and       Regulations and are jointly and severally liable for all charges, incurred by the       use of Card/s.

19. Application of Payments:
(i) The Applicant / CardMember shall be liable to pay costs, charges and expenses     to the Bank as per the "Tariff of Charges for Bank Cards" in force from time to     time.
(ii) Payments and credits received in respect of the Card Account shall be applied in      the following order:
     a. interest and Involuntary Charges;
     b. cash advances shown in the Statement;
     c. purchases of goods and/or services shown in the Statement;
     d. Transaction Instructions not yet shown in the Statement.
     e. If the CardMember has multiple Card Accounts, the Bank reserves the right           to transfer any credit balance/ payment in one Card Account to another Card           Account with/without the consent of the CardMember.
(iii) Charges incurred in Indian Rupees or local currencies of Nepal/Bhutan on a       Card, are billed in the Card Statement under the head "Domestic Transactions",       while charges incurred in all currencies other than Indian Rupees or the local       currencies of Nepal/Bhutan on a Card are billed under the separate head       "Overseas Transaction".

20. Miscellaneous:
a. The Applicant / CardMember hereby authorises the Bank to contact his       employer or any other source to obtain any further information that may be       required regarding the Applicant/ CardMember.
b. The CardMember agrees that the Bank is entitled (not bound to) to telephonically       remind the CardMember of the payments Due on a bill or leave with person       receiving the telephone call on behalf of the CardMember, a reminder message.       However, the Bank shall be under no obligation what so ever to remind the       CardMember regarding dues payable on the Card whether in writing or otherwise       and the Bank exercising its option and right on the aforesaid shall not be called       in question.
c. None of the Bank's rights shall be deemed to have been waived by any act or       conduct of the Bank, or by any neglect or relay in exercising such rights, and       every right shall continue in full force and effect until specifically waived by the       Bank in writing.
d. The Bank reserves the right to assign or securitise the receivables and / or the       credit card business as a whole or a part thereof in any manner whatsoever       without obtaining any consent, either express or oral from the CardMember.
e. The CardMember agrees that the Bank shall not pay any interest on the credit       balance, if any, in the CardMember's account The Applicant / CardMember       agrees and authorises the Bank to contact / communicate to him or his family       members by telephone, direct mail or electronic mail or Short Messaging       Service (SMS) or any other medium to make various offers and schemes       promoted and / or distributed by the Bank. If the Applicant / CardMember does       not want to be called through telephone or other medium, the Applicant /       CardMember agrees he shall inform the Bank accordingly. The Bank shall not       be liable for an loss, damage, compensation, loss caused / incurred to the       Applicant / CardMember for any reason whatsoever.

21. Photograph in PictureCard:
a. The Bank shall, at its sole discretion and without assigning any reasons, refuse       to accept the picture / photograph submitted by the Applicant / CardMember.       The Applicant / CardMember shall submit such picture/photograph in such       manner as the Bank shall prescribe. The Applicant / CardMember understands       and accepts without demur that the process of actual reproduction of       picture/photograph on the face of the card might result in slight loss of colour or       change in contrast of the picture/photograph. The Bank is not obliged to return       the picture/photograph to the Applicant / CardMember and neither shall it be       liable to pay any compensation therefor.
b. The Applicant / CardMember agrees to indemnify and hold harmless the Bank       from any and all claims or legal actions, damages, costs, liabilities and       expenses (including actual attorney's fees and expenses) arising directly or       indirectly out of reproduction of the picture/photograph on the face of the Credit       Card or in relation to any dispute with respect to the ownership or use of the       copyright in the picture/photograph.
c. The Applicant / CardMember confirms having read the terms and conditions of       the Photo/Picture Card and agrees to abide and be bound by the same. The       Applicant / CardMember confirms that he/she is the owner of the copyright in       the picture/photograph and that the Bank would not be in breach of copyright or       any other proprietary or other right in using the picture/photograph. The       Applicant / CardMember also agrees to offer the Bank all assistance in       defending any claim or legal action whether criminal or civil, arising out of the       use by the Bank of the picture/photograph for issuing the Photo/Picture Card.

22. Reward points:
      Reward points shall mean points awarded by the Bank under a Reward Scheme       promoted by the Bank. Under this Scheme, the Bank shall award reward points       for valid charges incurred by the CardMember on the Card. On redemption, the       reward points so redeemed, shall automatically stand reduced from the       accumulated reward points in the Card Account. If at any time before the       termination of the Scheme, the use of the Card is cancelled, withdrawn or       invalidated or is liable to be cancelled, or the Card Account is termed as a       Delinquent Account, all reward point then standing to the credit of the       CardMember shall ipso facto stand immediately and automatically cancelled.       These reward points shall not be credited to the Card Account even if the       membership is reinstated. The Bank expressly reserves the right, at any time       and without prior notice to the CardMember, to add to and / or alter, modify,       change or vary all or part of the Scheme or withdraw the Scheme altogether.

23. To protect the interest of the CardMember or the Bank, the CardMember's card       account will be blocked in the event the Bank perceives any credit or fraud risk.

24. The Applicant/CardMember authorises the Bank or its authorised agencies to       contact him / her any time and using any means of communication including       but not limited to telephone, mobile, through references or through visitations,       as the Bank shall deem fit and necessary in this regard, if the Bank is required       to inform / confirm / follow up / verify for any reason whatsoever, for any account       / application related matter.

25. The Applicant/CardMember authorises the Bank to make use of the information       provided in the application form (or authorised changes made thereafter) to       inform Applicant/CardMember of various schemes, products and services, that       the Bank (or its agencies/partners) may run from time to time. For this purpose,       the Applicant/CardMember consents to the Bank or its authorised agencies to       contact him / her any time and using any means of communication including       but not limited to telephone, mobile, through references or through visitations,       as the Bank shall deem fit and necessary in this regard.

26. Jurisdiction for Dispute and Settlement: These Rules and Regulations shall be       governed and construed in accordance with the Laws of India. All disputes are       subject to the exclusive jurisdiction of court at Bangalore only.