By signing this application:

1. you represent and warrant that all information (including any documents) you have given to us in connection with the application is correct, complete and not misleading. (If this is not the case you may be personally liable.);
2. you authorise us to verify any of the information you have given to us or your credit standing from anyone we may consider appropriate (such as an authority or credit reference agency);
3. you acknowledge that we may decline your application without giving you any reason for doing so. If this happens, no contractual relationship arises between us and you;
4. you confirm and agree that we may give any information in connection with this application (including your personal information) to any service provider (whether located in or outside of United Arab Emirates) for the purposes of providing any service to you in connection with this application (including data processing);
5. you agree that you will inform us when there is any change in your occupation, employer or the status of your residency in the United Arab Emirates.
   If we ask, you will also give us the documents to prove such a change;
6. if you are applying for a Saadiq product, you declare that you have read and understood our Saadiq Terms and Conditions and the Service and Price Guide forming our banking agreement which are available at any of our branches or on our website at www.standardchartered.ae and you agree to be bound by them. You acknowledge that you are bound by any variation we make to these documents, in accordance with our banking agreement. In particular, you understand that by entering into our banking agreement you give indemnities, authorisations, consents and waivers and agree to limitations on our liability;
7. if you are not applying for a Saadiq product, you declare that you have read and understood our Customer Terms and the applicable documents referred to in Part A of our Customer Terms forming our banking agreement which are available at any of our branches or on our website at www.standardchartered.ae and you agree to be bound by them. You acknowledge that you are bound by any variation we make to these documents, in accordance with our banking agreement. In particular, you understand that by entering into our banking agreement you give indemnities, authorisations, consents and waivers and agree to limitations on our liability;
8. you consent to us contacting you at the address, E-mail address and phone numbers you have provided to us, to give you information on other products and services that we, or our strategic partners, may offer;