Our Master Terms and Conditions for Banking Services (“Master Terms”) for Private Banking customers will be changed with effect from 1 December 2015 onwards. A summary of the affected areas are as follows. For further information or if you have any questions and would like to receive a copy of these terms and conditions, please contact your relationship manager.

- Our service (revision to para 3.8)
- Changes/ Suspension (revision to paras 14.2 & 14.3)
- Anti Money Laundering/ terrorism financing other illegal acts  General (revision to paras 23.1 & 23.2)
- Miscellaneous (new 24.1(j), new 24.2(e), para G)
- Schedule 1, foreign currencies (revision to 7.3, new 7.4 & 7.5)

This Notice is computer generated and does not require signature.