When you register for the Service you will be asked to provide us with the mobile phone number to which you would like us to send text messages.

We can only provide the Service to a mobile phone compatible with a UK network and not, for example, to a fixed line telephone, a computer capable of receiving text messages or a ‘virtual’ mobile phone number beginning with ‘070’. Some older mobile phones may not be compatible with the Service.

You can register only one mobile phone number per service registration. This will apply to all individual accounts registered in your name.

Each joint HiSAVE / current account holder can register only one mobile phone number per service registration. This will apply to all accounts registered in his/her name.

You confirm that your joint account holder(s) permit you to access your joint account via the Service. We will end your use of the Service immediately if a joint account customer notifies us:

• they no longer consent to your use of the Service, or
• the joint account can no longer be operated on your instruction alone.

When you register for the Service you request us to send you information about your account to your mobile phone.

We will only send you each text once. If you delete a text we cannot send it again.

You may send us instructions to issue a cheque book with 10 leaflets, through a mobile-based SMS/text message in the prescribed format, and we would process the request and issue you the cheque book. To clarify, this is the only instruction that we can process through this medium.

For individual customers, the Service is restricted to information about your current account and HiSAVE savings account. We cannot send individual customer’s information about loans, deposits or credit card accounts.

You must inform us as soon as possible if you receive any text messages that appear to be irregular.

We may have to interrupt the Service, for example to carry out maintenance or in circumstances beyond our reasonable control, but we will try to keep such interruptions to a minimum.

We may, at our discretion, withdraw temporarily or terminate the Service, either wholly or in part, at any time without giving prior notice to you. We may, without prior notice, suspend the Service at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Service. We shall endeavor to give a reasonable notice of withdrawal or termination of the Service by displaying on the Website.

You must not let anyone else use this Service for you unless they are a Joint Account holder(s).

If you think that there are any unauthorized transactions you must notify us immediately by phoning the number mentioned in the “Contact Us” section at the Website. You should check any account information that we send you and let us know urgently about any errors.

You must inform us immediately if your mobile phone is lost or stolen, or if you change your mobile phone number. You may do so by unsubscribing yourself from the Text Message Banking by logging onto the Service on the Website or by calling us at the telephone number mentioned in the “Contact Us” section on the Website or by writing to us at the address set out in paragraph 11.2 below. You may subscribe back at anytime with the new mobile phone information. If you do not inform us, we will continue to send text messages to your lost, stolen or old mobile phone and we cannot be held responsible for any consequences in such circumstances, for example, if someone else comes to know about your account information.

You should take all reasonable steps to prevent unauthorized access to confidential information stored in your mobile phone, or prevent your mobile phone from being used if it is lost or stolen. Such steps could include using the SIM card personal identification number (PIN) code on your mobile telephone at all times, not leaving your mobile phone switched on without having set the PIN and deleting text messages from the Service once you have read them.

any breach of confidentiality resulting directly or indirectly from your use of the Service;

the Service being unavailable;

delays, interruptions or errors in transmission, not being directly our fault, or

other circumstances beyond our reasonable control.

We do not charge any fees for the Service but reserve the right to introduce charges at a later date. If we introduce charges for the Service in the future, the same and updates to it shall be intimated to the customer through Alerts/ display on the Website based upon our discretion.

Please note that we are required to advise you of the possibility that there may be other costs or taxes imposed by third parties (as for instance your cellular service provider) in connection with the Service.

You acknowledge that we have the absolute discretion to amend or supplement any of the terms and conditions at any time, and such amended terms and conditions will thereupon apply to and be binding on you.

We will normally endeavor to give a reasonable notice of any change by displaying on the Website.

You may end the Service and cancel this agreement at any time by unsubscribing yourself from the Text Message Banking by logging onto the Service on the Website or by calling us at the telephone number mentioned in the “Contact Us” section on the Website, or by writing to us at the address set out in paragraph 11.2 below. You must give us at least five working days’ notice of your wish to cancel the Service; we will try to process your cancellation request sooner but cannot guarantee this.

Since your account is held in England and Wales, this contract is with ICICI Bank UK PLC a banking company authorized and regulated by the Financial Services Authority in the UK, whose registered office address is at One Thomas More Square, London E1W 1YN.

We will send text messages to you without the addition of the Bank’s registered office details.

The supply of the text alerts account information service is subject to the regulation of the Office of Communications (Ofcom) and the Financial Services Authority, and we are authorized and regulated by the Financial Services Authority. You can find out more about this by visiting www.fsa.gov.uk.

If you want you may make a complaint about this contract or the service that you are receiving from us by:

If a dispute cannot be resolved by our internal complaint procedures, you may be entitled to make a complaint to either the Financial Ombudsman Service or Ofcom:

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR, www.financial-ombudsman.org.uk, 0845 080 1800

Ofcom Contact Centre, Riverside House, 2a Southward Bridge Road, London, SE1 9HA, www.ofcom.org.uk, 0845 456 3000

If a dispute cannot be resolved by our internal complaint procedure or by the Financial Ombudsman Service or Ofcom, the courts of England will have jurisdiction to hear the dispute.

You agree that we may keep your personal details given to us by you or other people during your relationship with us and we may use and update this information:

You should let us know if you think any information we hold about you is inaccurate, so that we can correct it. We will treat all your personal information as private. We will not reveal your name and address or details about you or your accounts to anyone, outside the ICICI Group*other than in the following cases:

if our interests require us to give the information, for example, where we suspect fraud. But we will not use this as a reason for giving information about you or your accounts (including name and address details) to anyone else including other companies in our group for marketing purposes

Since your account is held in England and Wales, English law applies to our discussions about the Service and to this agreement.

You acknowledge and agree that the mere fact that the Service can be accessed by you in any country of the world does not imply that the laws of the said country govern these terms and conditions and/ or the operations in the accounts maintained by you with us and/ or the use of the Service.

This agreement is in English. You agree that we can communicate with you in English about this agreement and the Service.

The Meaning Of Some Words In This Agreement

HiSAVE Savings Account : An online savings account with ICICI Bank UK PLC.

Service : The service we provide enables you to obtain information from us via Mobile phone based SMS/Text messages.

We/us/our/Bank : ICICI Bank UK PLC.

You/your: The customer who becomes registered with us to use the Service.

Website : www.icicibank.co.uk

ICICI Group : ICICI UK, ICICI India and any subsidiary or undertakings of ICICI India from time to time and the terms "member of the ICICI Group" and "ICICI Group Company" shall be construed accordingly.

This information is correct as at the date of publication, 10th October, 2005.

Disclaimer

We make no representation or give no warranty with respect to the quality of the service provided by the cellular service provider or guarantee for timely delivery or accuracy of the contents of each text alert. We cannot be held responsible for any message that is not delivered or delayed as a result of delivery problems with providers or for any loss or damage caused to you as a result of the use of the Service (including relying on the Service for your commercial, investment or business purposes).

We shall not be concerned with any dispute that may arise between you and your mobile service provider in connection with the Service and we shall not be liable in any manner to you in connection with your use of the Service.