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 

    Terms and Conditions

1. When you become a customer or accept a product for the first time, we will give you the relevant terms and conditions for the service you have asked us to provide.

2. All written terms and conditions will be fair and will set out your rights and responsibilities clearly and in plain language. We will only use legal or technical language where necessary.
      
   Changes to Terms and Conditions

3. When you become a customer, we will tell you how we will let you know/ notify about changes to terms and conditions.

4. Normally, changes [other than interest rates] will be made with prospective effect giving notice of at least one month. If the changes are to your disadvantage, you may close the account at any time up to two months from the date of the notice without having to pay any extra charges or interest for doing this. 

5. Changes in the interest rates on our products [deposits and advances] from time to time will be notified as per the bank's policy/ practice.

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