1

Introduction

1

1.1

Objectives of the Code

1

1.2

Application of the Code

1

2

Key Commitments

2

2.1

Our Key Commitments to You

2

3

Information

3

3.1

Before You Become A Customer

3

3.2

When You Become  A Customer

4

3.3

Interest Rates

4

3.4

Tariff Schedule

4

3.5

Terms and Conditions

5

4

Advertising, Marketing And Sales

5

5

Privacy and Confidentiality

6

5.1

Credit Reference Agencies

7

6

Collection of Dues

7

7

Complaints , Grievances And Feedback

8

7.1

Internal Procedures

8

7.2

Banking Ombudsman Service

9

8

Products and Services

9

8.1

Deposit Accounts

9

8.2

Clearing Cycle/Collection Cycle

13

8.3

Cash Transactions

13

8.4

Stop Payment Facility

14

8.5

Cheques/ Debit instructions issued by You

14

8.6

Branch Closure /Shifting

14

8.7

Settlement of claims in respect of Deceased Account Holders

15

8.8

Safe Deposit Lockers

16

8.9

Foreign Exchange Services

16