These terms are applicable to all accounts opened with Sunrise Imperial Bank (“The Bank”) and all banking transactions between the Account Holder and the Bank. By signing/affixing thumbprint below, the Account Holder agrees to be bound by these terms and conditions.

1. The Bank shall have no obligation to open, create or permit the operation of the requested account until receipt of all specified requirements for the account. The Bank reserves the right to reject the creation of the account or close the close the account (if it has been opened) where any information supplied is found to be false, incorrect or misleading.

2. The Account Holder agrees to promptly notify the Bank of any subsequent change in any of the account information supplied.

3. The Account Holder agrees to maintain the minimum balance and all other conditions applicable to all accounts, including Savings, Current and Domiciliary and the Bank, at its sole discretion reserves the right to close the account where the conditions are not maintained or where the account has been operated illegally or to further a criminal activity.

4. The Account Holder agrees that unless there is an agreement in writing with the Bank, only tellers sitting across the counters are authorized to handle cash and cheque transactions. The Account Holder further agrees that the Bank will not be liable for funds handed over to unauthorized staff outside normal banking hours and/or outside the Bank premises.

5. The Account Holder agrees to assume full responsibility for the genuineness, correctness and validity of all endorsements appearing on all cheques, orders, bills, notes, negotiable instruments, receipts and other documents deposited in the Account Holder’s account.

6. Your funds are secure and fully refundable. We guarantee the safekeeping of your funds and ensure that they are readily available for withdrawal at any time. You may withdraw your funds without penalty or notice, and we will return your funds promptly, in accordance with our refund policy, and in compliance with applicable laws and regulations.

Sunrise Imperial Bank (“The Bank”) values your Personal Data and we are committed to protecting your privacy whenever you interact with us. Please read this Privacy Notice (Notice) to understand our policies, processes and procedures regarding the processing of your personal data.

1. We collect Personal Data that you give to us, for example, where you create an account with us, request for further information about our product, fill a form, apply for a job through our website or you subscribe to newsletters on our website.

2. We may process your Personal Data to communicate with you (including sending marketing or promotional materials to you), provide you with further information about our products and how we can serve you better, respond to your purchase orders or requests, process your application for employment with Sunrise Imperial Bank or to fulfil our contractual obligations with you. We may also process your Personal Data to comply with provisions of applicable laws.

3. Where processing of Personal Data is based on consent, We shall obtain the requisite consent at the time of collection of the Personal Data. In this regard, you consent to the processing of your Personal Data when you access our platforms, or use our services, content, features, technologies or functions offered on our website or other digital platforms. You can withdraw your consent at any time but such withdrawal will not affect the lawfulness of processing based on consent given before its withdrawal.

4. Your Personal Data is kept private and we make every effort to keep your Personal Data secure, including restricting access to your Personal Data with us on a need to know basis. We require our staff and any third parties that carry out any work on our behalf to comply with appropriate security standards to protect your Personal Data.

OBLIGATION TO REPAY FACILITY AND GLOBAL RIGHT OF SET-OFF

By signing this offer letter/ loan agreement and by drawing on the loan, I covenant to repay the loan as and when due. In the event that I fail to repay the loan as agreed, and the loan becomes delinquent, the bank shall have the right to report the delinquent loan through the Credit Risk Management System (CRMS) or by any other means, and request the exercise its regulatory power to direct all banks and other financial institutions under its regulatory purview to set-off my indebtedness from any money standing to my credit in any bank account and from any other financial assets they may be holding for my benefit.