| Banker's Fair Practice Code
Introduction l Our key commitments to you l Information l
Interest Rates l Charges l
Terms and Conditions l Advertising
and Marketing l Account
Operations l Cards and PINs l
Protection l
What you can do to protect your accounts l
Loans and Advances l Further
Assistance l Monitoring l
More Information about the Code l Annexure
Information
Helping you to choose products and services, which meet
your needs
Before you become a customer, we will:
give you clear information explaining the key features of the services
and products you tell us you are interested in
give you information on any type of account facility which we offer and
may suit your needs
tell you what information we need from you to prove your identity and
address and to comply with legal and regulatory requirements, and
request for additional information about you and your family to build a
database but such information can be furnished by you only if you wish and we will not
compel you to give this information for opening your account.
We will tell you if we offer products and services in more than one way
[for example, through ATMs on the internet, over the phone, in branches and so on] and
tell you how to find out more about them.
Once you have chosen an account or service, we will tell you how it
works.
When you open a single account or a joint account, we will give you
information on your rights and responsibilities.
We recommend that you avail nomination facility offered on all deposit
accounts, articles in safe custody and safe deposit vaults.
We will guide you how we will deal with deposits and other assets held
with us in the name of a deceased person in the absence of nomination.
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