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href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="151931" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/financial-results/" target="_self" >Our financial results</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li 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corporations, development organisations, governments, banks and investors to access cross-border trade and investment opportunities in the world’s most dynamic markets.</p> <div class="card__cta"> <div class="wp-block-buttons"> <div class="wp-block-button"> <a href="/en/corporate-investment-banking/" tabindex="0" class="wp-block-button__link">Learn more</a> </div> </div> </div> </div> </div><ul class="sub-menu"><li data-label="151928" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/" target="_self" >Corporate & Investment Banking</a></li><li data-label="120567" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/financial-markets/" target="_self" >Financial Markets</a></li><li data-label="121200" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/transaction-banking/" target="_self" >Transaction Banking</a></li><li data-label="194365" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/islamic-banking/" target="_self" >Islamic banking</a></li><li data-label="139777" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/news-and-views/" target="_self" >News and views</a></li><li data-label="139776" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/events/" target="_self" >Events</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Corporate & Investment</button> <div class="card__text"> <h3 class="card__heading"> Events </h3> </div> </div> </div><ul class="sub-menu"><li data-label="213979" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/corporate-investment-banking/events/sibos/" target="_self" >Sibos</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li data-label="local-site-and-online-banking" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/our-locations/" target="_self" data-toggle-locations="1">Local sites</a></li> <li data-label="contact-us-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li data-label="local-site-and-online-banking" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/our-locations/" target="_self" data-toggle-locations="1">Local sites</a></li> <li data-label="contact-us-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="137893" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/" target="_self" >Wealth & Retail</a><div class="sub-menu-lv-0"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Home</button> <div class="card__text"> <h3 class="card__heading"> Wealth & Retail Banking </h3> </div> <p class="card__description">We serve the local and international banking needs of affluent clients across the full wealth continuum via Private, Priority and Personal Banking, as well as Small and Medium Enterprises.</p> <div class="card__cta"> <div class="wp-block-buttons"> <div class="wp-block-button"> <a href="/en/wealth-retail-banking/" tabindex="0" class="wp-block-button__link">Learn more</a> </div> </div> </div> </div> </div><ul class="sub-menu"><li data-label="120560" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/international-banking/" target="_self" >International Banking</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Wealth & Retail</button> <div class="card__text"> <h3 class="card__heading"> International Banking </h3> </div> </div> </div><ul class="sub-menu"><li data-label="197389" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/international-banking/international-investments/" target="_self" >International investments</a></li><li data-label="197391" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/international-banking/moving-overseas/" target="_self" >Moving overseas</a></li><li data-label="197390" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/international-banking/international-mortgages/" target="_self" >International mortgages</a></li><li data-label="197397" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/international-banking/transfer-money/" target="_self" >Transfer money</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li data-label="local-site-and-online-banking" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/our-locations/" target="_self" data-toggle-locations="1">Local sites</a></li> <li data-label="contact-us-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="120565" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/" target="_self" >Global Private Banking</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Wealth & Retail</button> <div class="card__text"> <h3 class="card__heading"> Global Private Banking </h3> </div> </div> </div><ul class="sub-menu"><li data-label="179144" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/contact-us/" target="_self" >Contact us</a></li><li data-label="179146" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/international/" target="_self" >International</a></li><li data-label="179148" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/legacy-planning/" target="_self" >Legacy Planning</a></li><li data-label="179149" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/private-bank-app/" target="_self" >Private Bank App</a></li><li data-label="179150" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/resources/" target="_self" >Resources</a></li><li data-label="179151" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/wealth-solutions/" target="_self" >Wealth solutions</a></li><li data-label="179145" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/private-banking/interconnected/" target="_self" >Interconnected</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li data-label="local-site-and-online-banking" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/our-locations/" target="_self" data-toggle-locations="1">Local sites</a></li> <li data-label="contact-us-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="190924" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/priority-private/" target="_self" >Priority Private</a></li><li data-label="202386" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/priority-banking/" target="_self" >Priority Banking</a></li><li data-label="139780" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/wealth-solutions/" target="_self" >Wealth Solutions</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Wealth & Retail</button> <div class="card__text"> <h3 class="card__heading"> Wealth Solutions </h3> </div> </div> </div><ul class="sub-menu"><li data-label="197393" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/wealth-solutions/wealth-insights/" target="_self" >Wealth insights</a></li><li data-label="197394" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/wealth-solutions/sc-wealth-select/" target="_self" >SC Wealth Select</a></li><li data-label="197395" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/wealth-solutions/signature-cio-funds/" target="_self" >Signature CIO Funds</a></li><li data-label="197396" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/sustainable-investing/" target="_self" >Sustainable investing</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li data-label="local-site-and-online-banking" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/our-locations/" target="_self" data-toggle-locations="1">Local sites</a></li> <li data-label="contact-us-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="199042" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/sme-banking/" target="_self" >SME Banking</a></li><li data-label="194555" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/wealth-retail-banking/islamic-banking/" target="_self" >Islamic banking</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li data-label="private-banking-online" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://pvm.standardchartered.com/pvb/index.html#/login" target="_self" >Private banking online</a></li> <li data-label="straight2bank-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://s2b.standardchartered.com/" target="_self" >Straight2Bank</a></li> <li data-label="local-site-and-online-banking" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/our-locations/" target="_self" data-toggle-locations="1">Local sites</a></li> <li data-label="contact-us-2" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="/en/contact-us/" target="_self" >Contact us</a></li> </ul></div></li><li data-label="ventures" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/about/innovation/sc-ventures/" target="_self" >Ventures</a></li><li data-label="investors" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="#" target="_self" >Investors</a><div class="sub-menu-lv-0"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Home</button> <div class="card__text"> <h3 class="card__heading"> Serving our investor community </h3> </div> <p class="card__description">Stay updated on our latest financial and performance information, news, upcoming investor events and more</p> <div class="card__cta"> <div class="wp-block-buttons"> <div class="wp-block-button"> <a href="/en/investors/" tabindex="0" class="wp-block-button__link">Investors hub</a> </div> </div> </div> </div> </div><ul class="sub-menu"><li data-label="120550" class="main-menu__item has_children"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/financial-results/" target="_self" >Financial results</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Investors</button> <div class="card__text"> <h3 class="card__heading"> Financial results </h3> </div> </div> </div><ul class="sub-menu"><li data-label="144734" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/financial-results/" target="_self" >Latest results</a></li><li data-label="139368" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/financial-results/subsidiaries-financial-results/" target="_self" >Subsidiaries financial results</a></li><li data-label="210177" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/consensus/" target="_self" >Consensus</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" data-country-popups-id="19629">Online banking</a></li> <li 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href="https://www.sc.com/en/investors/events-and-presentations/" target="_self" >Investor events</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Investors</button> <div class="card__text"> <h3 class="card__heading"> Investor events </h3> </div> </div> </div><ul class="sub-menu"><li data-label="145422" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/events-and-presentations/" target="_self" >Events and presentations</a></li><li data-label="agm" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/investors/events-and-presentations/#agm" target="_self" >AGM</a></li><li data-label="174995" class="main-menu__item mobile-only eyebrow-menu-item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/country-popup/online/" target="_self" data-toggle-country-popups="1" 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href="https://www.sc.com/en/global-careers/experienced-hire/" target="_self" >Experienced Careers</a><div class="sub-menu-lv-1"><div class="sub-menu-content-container"> <div class="card__content"> <button type="button" class="sub-menu__back-button">Careers</button> <div class="card__text"> <h3 class="card__heading"> Experienced Careers </h3> </div> </div> </div><ul class="sub-menu"><li data-label="160192" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/global-careers/experienced-hire/spotlight-career-opportunities/" target="_self" >Spotlight career opportunities</a></li><li data-label="140036" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://www.sc.com/en/global-careers/experienced-hire/hiring-process/" target="_self" >How to apply</a></li><li data-label="our-business-areas" class="main-menu__item"><a tabindex="0" class="main-menu__link" href="https://sc.com/en/global-careers/business-areas/" target="_self" >Our 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class="card__heading"><a class="card__link">Client tax information</a></h4><p class="card__description"><br>Combating tax evasion through increased tax transparency and compliance</p> <div class="wp-block-button is-style-icon-right-arrow"><a class="wp-block-button__link wp-element-button" href="https://www.sc.com/en/regulatory-disclosures/client-tax/">More on client tax info</a></div> </li> <li class="wp-block-scca-card-cta card cta cart-type-standard has-grey-background-color has-background"><h4 class="card__heading"><a class="card__link">Dodd-Frank</a></h4><p class="card__description"><br><br><br>Regulating SWAP transactions by US persons<br></p> <div class="wp-block-button is-style-icon-right-arrow"><a class="wp-block-button__link wp-element-button" href="https://www.sc.com/en/regulatory-disclosures/dodd-frank/">More on Dodd-Frank</a></div> </li> <li class="wp-block-scca-card-cta card cta cart-type-standard has-bright-green-background-color has-background"><h4 class="card__heading"><a class="card__link">European Market Infrastructure</a></h4><p class="card__description">Improving derivative market transparency</p> <div class="wp-block-button is-style-icon-right-arrow"><a class="wp-block-button__link wp-element-button" href="https://www.sc.com/en/regulatory-disclosures/emir/">More on EMIR</a></div> </li> </ul> </section> <div class="wp-block-scca-link-block-container scca-block__card-section-link-block-container"> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/market-abuse-regulation/">Market abuse regulation</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/central-securities-depositories-regulation/">Central Securities Depositories Regulation (CSDR)</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/mifid-ii/">Markets in Financial Instruments Directive II (MiFID II)</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/csdr-settlement-discipline-regime/">CSDR Settlement Discipline Regime</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/investors/capital-requirements-directive/">Capital Requirement Directives</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/benchmark-reform/">Benchmarks</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/securities-financing-transaction-regulation-faqs/">Securities Financing Transactions Regulation (SFTR)</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/european-benchmark-regulation/">European Benchmark reform</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="/en/regulatory-disclosures/regulatory-compliance-statement/">Regulatory Compliance Statement (including the annexed Terms of Business)</a></p></div></div> </div> </section> <section class="wp-block-scca-section-container scca-block__section-container section-container-tabs"> <div class="wp-block-scca-title-and-subtitle scca-block__title-and-subtitle"><h2 class="title-and-subtitle__title">Downloads</h2><p class="title-and-subtitle__subtitle">Additional disclosure information and downloads</p></div> <div class="wp-block-scca-tabs scca-block__tabs"><div class="tabs-nav"><div class="inner"><ul><li><button class="tab"><span>Company disclosures</span></button></li><li><button class="tab"><span>Financial markets</span></button></li><li><button class="tab"><span>Product disclaimers</span></button></li><li><button class="tab"><span>Client tax information forms</span></button></li></ul></div></div><div class="tabs-items"> <div class="wp-block-scca-tab scca-block__tab"> <div class="wp-block-columns"> <div class="wp-block-column" style="flex-basis:50%"> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/second-payment-services-directive-psd2/">Payment services directive II (PSD2)</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/SFTR-Information-Statement.pdf" rel="noopener noreferrer" target="_blank">Securities Financing transactions regulation statement</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/2024-resolvability-public-disclosure-FINAL_cn.pdf" rel="noopener noreferrer" target="_blank">Standard Chartered PLC – preparedness for resolution 2024 (Chinese)</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div 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class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/abs-swaps-disclosure-annex.pdf" rel="noopener noreferrer" target="_blank">ABS swaps disclosure annex</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/credit-derivatives-disclosure-annex.pdf" rel="noopener noreferrer" target="_blank">Credit derivatives disclosure annex</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/commodity-derivatives-disclosure-annex.pdf" rel="noopener noreferrer" target="_blank">Commodity derivatives disclosure annex</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/emir-q-and-a.pdf" rel="noopener noreferrer" target="_blank">European market infrastructure regulation – Q&A</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/ISDA-FX-Risk-Disclosure-October-30-2018.pdf" rel="noopener noreferrer" target="_blank">Foreign exchange derivatives disclosure annex</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/ISDA-general-disclosure-statement.pdf" rel="noopener noreferrer" target="_blank">General disclosure statement</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div 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class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/emir-pricing-schedule.pdf" rel="noopener noreferrer" target="_blank">Pricing schedule clearing services</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/Product-Risk-Disclosure-Statements.pdf" rel="noopener noreferrer" target="_blank">Standard Chartered Hong Kong Disclaimer and Risk Disclosure</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/execution-algorithms-standard-chartered.pdf" rel="noopener noreferrer" target="_blank">Execution algorithms</a></p></div></div> </div> <div class="wp-block-column" style="flex-basis:50%"> 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rel="noopener noreferrer" target="_blank">Interest rates derivatives disclosure annex</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/FM-Order-Execution-Policy.pdf" rel="noopener noreferrer" target="_blank">Order execution policy</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/Order-Execution-Policy-SCBSL.pdf" rel="noopener noreferrer" target="_blank">Order execution policy – Singapore</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-right-arrow"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/allocation-policy/">Primary issuance allocation policy</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://www.sc.com/en/regulatory-disclosures/regulatory-compliance-statement/financial-markets/">Regulatory compliance disclosures</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/physical-precious-metals-supply-statement.pdf" rel="noopener noreferrer" target="_blank">Physical Precious Metals Supply statement</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/SCB-terms-and-conditions-on-instant-messaging-app-en-tc-sc.pdf" rel="noopener noreferrer" target="_blank">Client Communications via Instant Messaging Applications with Standard Chartered Bank (Hong Kong) Limited</a></p></div></div> </div> </div> </div> <div class="wp-block-scca-tab scca-block__tab"> <div class="wp-block-columns"> <div class="wp-block-column" style="flex-basis:50%"> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-external-link"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/EuroSI-PFMI-DF-20240628.pdf" rel="noopener noreferrer" target="_blank">PFMI disclosure for EuroCHATS</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/pre-trade-midmarket-disclosures-1.pdf" rel="noopener noreferrer" target="_blank">Pre-trade mid-market disclosures</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/Discretionary-Portfolio-Management-Disclaimers-July-2023.pdf" rel="noopener noreferrer" target="_blank">Discretionary Portfolio Management Disclaimers</a></p></div></div> </div> <div class="wp-block-column" style="flex-basis:50%"> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/CIB-Deposit-Account-Information-Sheet-one-way-2019-Post-Brexit.pdf" rel="noopener noreferrer" target="_blank">FSCS protection limit</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/post-trade-midmarket-disclosures-1.pdf" rel="noopener noreferrer" target="_blank">Post-trade mid-market disclosures</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/DPM-Benchmark-.pdf" rel="noopener noreferrer" target="_blank">Discretionary Portfolio Management Benchmark Information</a></p></div></div> </div> </div> </div> <div class="wp-block-scca-tab scca-block__tab"> <div class="wp-block-columns"> <div class="wp-block-column" style="flex-basis:50%"> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/CRS-Self-Certification-Form-Entity.pdf" rel="noopener noreferrer" target="_blank">CRS self certification form – entity</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/entity-tax-declaration-form-fatca-standard-chartered-1.pdf" rel="noopener noreferrer" target="_blank">FATCA – entity tax declaration form</a></p></div></div> </div> <div class="wp-block-column" style="flex-basis:50%"> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/Self-Certification-Form-Individual.pdf" rel="noopener noreferrer" target="_blank">CRS self certification form – individual</a></p></div></div> <div class="wp-block-scca-card-link-block card link col-6 is-style-icon-download"><div class="card__content"><p class="card__heading"><a class="card__link" href="https://av.sc.com/corp-en/nr/content/docs/foreign-account-tax-compliance-giins.pdf" rel="noopener noreferrer" target="_blank">FATCA – GIINs</a></p></div></div> </div> </div> </div> </div></div> </section> <section class="wp-block-scca-section-container scca-block__section-container section-container-undefined"> <div class="wp-block-scca-title-and-subtitle scca-block__title-and-subtitle"><h2 class="title-and-subtitle__title">Commentary disclaimers</h2><p class="title-and-subtitle__subtitle">Communications, research and commentary disclaimers</p></div> <p class="wp-block-paragraph"> </p> <div class="wp-block-scca-accordion scca-block__accordion scca-block__accordion-hide-first-element"> <details class="wp-block-scca-accordion-item scca-block__accordion-item"><summary class="accordion-item__title">Global Disclaimer for WM Market Commentary</summary><div class="accordion-item__content"> <p class="wp-block-paragraph"><strong>Disclosure</strong></p> <p class="wp-block-paragraph">This document is confidential and may also be privileged. If you are not the intended recipient, please destroy all copies and notify the sender immediately. This document is being distributed for general information only and is subject to the relevant disclaimers available at our Standard Chartered website under Regulatory disclosures. It is not and does not constitute research material, independent research, an offer, recommendation or solicitation to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments. This document is for general evaluation only. It does not take into account the specific investment objectives, financial situation or particular needs of any particular person or class of persons and it has not been prepared for any particular person or class of persons. You should not rely on any contents of this document in making any investment decisions. Before making any investment, you should carefully read the relevant offering documents and seek independent legal, tax and regulatory advice. In particular, we recommend you to seek advice regarding the suitability of the investment product, taking into account your specific investment objectives, financial situation or particular needs, before you make a commitment to purchase the investment product. Opinions, projections and estimates are solely those of SC at the date of this document and subject to change without notice. Past performance is not indicative of future results and no representation or warranty is made regarding future performance. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. You are not certain to make a profit and may lose money. Any forecast contained herein as to likely future movements in rates or prices or likely future events or occurrences constitutes an opinion only and is not indicative of actual future movements in rates or prices or actual future events or occurrences (as the case may be). This document must not be forwarded or otherwise made available to any other person without the express written consent of the Standard Chartered Group (as defined below). Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18. The Principal Office of the Company is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. 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Reproduction of content provided by CFRA in any form is prohibited except with the prior written permission of CFRA. CFRA content is not investment advice and a reference to or observation concerning a security or investment provided in the CFRA SERVICES is not a recommendation to buy, sell or hold such investment or security or make any other investment decisions. The CFRA content contains opinions of CFRA based upon publicly-available information that CFRA believes to be reliable and the opinions are subject to change without notice. This analysis has not been submitted to, nor received approval from, the United States Securities and Exchange Commission or any other regulatory body. 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The time horizon of this opinion is dependent on prevailing market conditions and there is no planned frequency for updates to the opinion. This opinion is not independent of Standard Chartered Group’s trading strategies or positions. Standard Chartered Group and/or its affiliates or its respective officers, directors, employee benefit programmes or employees, including persons involved in the preparation or issuance of this document may at any time, to the extent permitted by applicable law and/or regulation, be long or short any securities or financial instruments referred to in this document or have material interest in any such securities or related investments. Therefore, it is possible, and you should assume, that Standard Chartered Group has a material interest in one or more of the financial instruments mentioned herein. <a>Please refer to our Standard Chartered website under Regulatory disclosures </a>for more detailed disclosures, including past opinions/ recommendations in the last 12 months and conflict of interests, as well as disclaimers. A covering strategist may have a financial interest in the debt or equity securities of this company/issuer. This document must not be forwarded or otherwise made available to any other person without the express written consent of Standard Chartered Group.</p> <p class="wp-block-paragraph"><strong>Sustainable Investments</strong></p> <p class="wp-block-paragraph">Any ESG data used or referred to has been provided by Morningstar, Sustainalytics, MSCI or Bloomberg. Refer to 1) Morningstar website under Sustainable Investing, 2) Sustainalytics website under ESG Risk Ratings, 3) MCSI website under ESG Business Involvement Screening Research and 4) Bloomberg green, social & sustainability bonds guide for more information. The ESG data is as at the date of publication based on data provided, is for informational purpose only and is not warranted to be complete, timely, accurate or suitable for a particular purpose, and it may be subject to change. Sustainable Investments (SI): This refers to funds that have been classified as ‘Sustainable Investments’ by Morningstar. SI funds have explicitly stated in their prospectus and regulatory filings that they either incorporate ESG factors into the investment process or have a thematic focus on the environment, gender diversity, low carbon, renewable energy, water or community development. For equity, it refers to shares/stocks issued by companies with Sustainalytics ESG Risk Rating of Low/Negligible. 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Sustainalytics ESG risk ratings shown are factual and are not an indicator that the product is classified or marketed as “green”, “sustainable” or similar under any particular classification system or framework</p> <p class="wp-block-paragraph"><a><strong>Country/Market Specific Disclosures</strong></a></p> <p class="wp-block-paragraph"><strong>Botswana:</strong> This document is being distributed in Botswana by, and is attributable to, Standard Chartered Bank Botswana Limited which is a financial institution licensed under the Section 6 of the Banking Act CAP 46.04 and is listed in the Botswana Stock Exchange. <strong>Brunei Darussalam:</strong> This document is being distributed in Brunei Darussalam by, and is attributable to, Standard Chartered Bank (Brunei Branch) | Registration Number RFC/61 and Standard Chartered Securities (B) Sdn Bhd | Registration Number RC20001003. 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Uganda:</strong> Our Investment products and services are distributed by Standard Chartered Bank Uganda Limited, which is licensed by the Capital Markets Authority as an investment adviser. <strong>United Kingdom:</strong> In the UK, Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. This communication has been approved by Standard Chartered Bank for the purposes of Section 21 (2) (b) of the United Kingdom’s Financial Services and Markets Act 2000 (“FSMA”) as amended in 2010 and 2012 only. Standard Chartered Bank (trading as Standard Chartered Private Bank) is an authorised financial services provider (license number 45747) in terms of the South African Financial Advisory and Intermediary Services Act, 2002. 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Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Banking activities may be carried out internationally by different Standard Chartered Bank branches, subsidiaries and affiliates (collectively “SCB”) according to local regulatory requirements. Opinions may contain outright “buy”, “sell”, “hold” or other opinions. The time horizon of this opinion is dependent on prevailing market conditions and there is no planned frequency for updates to the opinion.</p> <p class="wp-block-paragraph">This opinion is not independent of SCB’s own trading strategies or positions. SCB and/or its affiliates or its respective officers, directors, employee benefit programmes or employees, including persons involved in the preparation or issuance of this document may at any time, to the extent permitted by applicable law and/or regulation, be long or short any securities or financial instruments referred to in this document or have material interest in any such securities or related investments. Therefore, it is possible, and you should assume, that SCB has a material interest in one or more of the financial instruments mentioned herein. If specific companies are mentioned in this communication, please note that SCB may at times do business or seek to do business with the companies covered in this communication; hold a position in, or have economic exposure to, such companies; and/or invest in the financial products issued by these companies. 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Accordingly, SCB may have a conflict of interest that could affect the objectivity of this communication.<br>SCB has in place policies and procedures, logical access controls and physical information walls to help ensure confidential information, including material non-public or inside information is not disclosed unless in line with its policies and procedures and the rules of its regulators.</p> <p class="wp-block-paragraph">Please refer to https://www.sc.com/en/banking-services/market-disclaimer.html for more detailed disclosures, including past opinions in the last 12 months and conflict of interests, as well as disclaimers. This document must not be forwarded or otherwise made available to any other person without the express written consent of SCB.</p> </div></details> <details class="wp-block-scca-accordion-item scca-block__accordion-item"><summary class="accordion-item__title">Financial markets sales and trading marketing materials and market commentary disclaimer</summary><div class="accordion-item__content"> <p class="wp-block-paragraph">This communication has been prepared by Standard Chartered Bank. Standard Chartered Bank is incorporated in England with limited liability by Royal Charter 1853 Reference Number ZC18. The Principal Office of the Company is situated in England at 1 Basinghall Avenue, London, EC2V 5DD. Standard Chartered Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.</p> <p class="wp-block-paragraph">Banking activities may be carried out internationally by different Standard Chartered Bank branches, subsidiaries and its affiliates (collectively “SCB”) according to local regulatory requirements. With respect to any jurisdiction in which there is an SCB entity, this document is distributed in such jurisdiction by, and is attributable to, such local SCB entity. Recipients in any jurisdiction would contact the local SCB entity in relation to any matters arising from, or in connection with, this document. Not all products and services are provided by all SCB entities.</p> <p class="wp-block-paragraph">This material is provided for general information purposes only and does not constitute either an offer to sell or the solicitation of an offer to buy any security or any financial instrument or enter into any transaction or recommendation to acquire or dispose of any investment.</p> <p class="wp-block-paragraph">The information contained herein does not purport to identify or suggest all the risks (direct or indirect) that may be associated with conducting business.</p> <p class="wp-block-paragraph">This communication is prepared by personnel from SCB’s Sales and/or Trading Desks. It is not research material and is not a product of SCB’s Research.</p> <p class="wp-block-paragraph">Any views expressed may differ from those of SCB’s Research. This material has been produced for reference and is not independent research or a research recommendation and should therefore not be relied upon as such. The material has not been prepared in accordance with legal requirements designed to promote the independence of investment research. This material is not subject to any regulatory prohibition on dealing ahead of the dissemination of investment research.</p> <p class="wp-block-paragraph">This material is provided on a confidential basis and may not be reproduced, redistributed or transmitted, whole or in part, without the prior written consent of SCB.</p> <p class="wp-block-paragraph">This communication is not independent of SCB’s own trading strategies or positions. Therefore, it is possible, and you should assume, that SCB has a material interest in one or more of the financial instruments mentioned herein. If specific companies are mentioned in this communication, please note that SCB may at times seek to do business with the companies covered in this communication; hold a position in, or have economic exposure to, such companies; and/or invest in the financial products issued by these companies. This communication may be a marketing communication as referenced in the Market in Financial Instruments Directive 2014/54/EU.</p> <p class="wp-block-paragraph">SCB may be involved in activities such as dealing in, holding, acting as market makers or performing financial or advisory services in relation to any of the products referred to in this communication. The Sales and Trading personnel who prepared this material may be compensated in part based on trading activity. Accordingly, SCB may have a conflict of interest that could affect the objectivity of this communication.</p> <p class="wp-block-paragraph">This communication should not be construed as a recommendation (except to the extent it is an “investment recommendation” under MAR (as defined below)) for the purchase or sales of any security or financial instrument, or to enter into a transaction involving any instrument or trading strategy, or as an official confirmation or official valuation of any transaction mentioned herein.</p> <p class="wp-block-paragraph">The information provided is not intended to be used as a general guide to investing and does not constitute investment advice or as a source of any specific investment recommendations as it has not been prepared with regard to the specific investment objectives or financial situation of any particular person.</p> <p class="wp-block-paragraph">SCB does not provide, and has not provided, any investment advice or personal recommendation to you in relation to the transaction and/or any related securities described herein and is not responsible for providing or arranging for the provision of any general financial, strategic or specialist advice, including legal, regulatory, accounting, model auditing or taxation advice or services or any other services in relation to the transaction and/or any related securities described herein. The particular tax treatment of a service or transaction depends on the individual circumstances of each client and may be subject to change in the future. Accounting laws, rules, regulations, standards and other guidelines may differ in different countries and/or may change at any time without notice. SCB may not have the necessary licenses to provide services or offer products in all countries or such provision of services or offering of products may be subject to the regulatory requirements of each jurisdiction and you should check with your advisors before proceeding. Accordingly SCB is under no obligation to, and shall not determine the suitability for you of the transaction described herein.</p> <p class="wp-block-paragraph">You must ensure that you have sufficient knowledge, experience, sophistication and/or professional advice to make your own evaluation of the merits and risks of entering into such transaction. You are advised to make your own independent judgment (with the advice of your professional advisers as necessary) with respect to the risks and consequences of any matter contained herein.</p> <p class="wp-block-paragraph">While reasonable care has been taken in preparing this document, SCB expressly disclaims any liability and responsibility for any damage or loss you may suffer from your use of or reliance of the information contained herein. Any past or simulated past performance including back-testing, modelling or scenario analysis contained herein is not an indication of future performance or results. Changes in rates of exchange may have an adverse effect on the value of investments. 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This document is directed at persons Standard Chartered Bank AG can categorise as Eligible Counterparties or per se Professional Clients (such persons constituting the target market of this communication following Standard Chartered Bank AG’s target market assessment) as defined by the Markets in Financial Instruments Directive II (Directive 2014/65/EU) (“MiFID II”) and the German Securities Trading Act (“WpHG”). No other person should rely upon it. In particular, this is not directed at Retail Clients (as defined by MiFID II and WpHG) in the European Economic Area. 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WE DO NOT OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS EITHER (A) THOSE SECURITIES ARE REGISTERED FOR SALE WITH THE U.S. SECURITIES AND EXCHANGE COMMISSION AND WITH ALL APPROPRIATE U.S. STATE AUTHORITIES; OR (B) THE SECURITIES OR THE SPECIFIC TRANSACTION QUALIFY FOR AN EXEMPTION UNDER THE U.S. FEDERAL AND STATE SECURITIES LAWS NOR DO WE OFFER OR SELL SECURITIES TO U.S. PERSONS UNLESS (I) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL ARE PROPERLY REGISTERED OR LICENSED TO CONDUCT BUSINESS; OR (II) WE, OUR AFFILIATED COMPANY AND THE APPROPRIATE PERSONNEL QUALIFY FOR EXEMPTIONS UNDER APPLICABLE U.S. FEDERAL AND STATE LAWS.</p> <p class="wp-block-paragraph"><strong>Middle East</strong><strong>: This document is available in Arabic upon request.</strong></p> <p class="wp-block-paragraph">يرجى التكرم بالعلم بأننا سنقوم بتزويدكم بترجمة للعربية عن هذه الوثيقة عندالطلب</p> <p class="wp-block-paragraph"><strong>SCB DIFC: </strong>This communication is issued by Standard Chartered Bank, Dubai International Financial Centre Branch (“SCB DIFC”). 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Relevant information on the Shari’a Supervisory Committee is available on the Standard Chartered Bank website in the Islamic banking section.</p> <p class="wp-block-paragraph"><em> </em><strong>For SCB UAE Islamic business</strong>: Please refer to our <a href="https://www.sc.com/ae/help-centre/downloads/#islamic-banking">SCB UAE Islamic Banking page</a>.</p> <p class="wp-block-paragraph"><strong>For SCB UAE Securities Services:</strong> This communication is issued by Standard Chartered Bank, United Arab Emirates (“SCB UAE”). SCB UAE having its offices at Downtown Dubai, P.O. Box 999, Dubai, UAE is authorised by the Securities and Commodity Authority (“SCA”) and subject to SCA’s regulation, supervision, and control. SCB UAE holds a license to practice the activity of custody and fund administration.</p> <p class="wp-block-paragraph"><strong>For SCB Australia:</strong> Standard Chartered Bank has been granted an authority to carry on a banking business in Australia pursuant to section 9 of the Banking Act 1959 of Australia (“Banking Act”) and is a foreign authorised deposit taking institution (“ADI”) within the meaning of the Banking Act. Provisions in the Banking Act for the protection of depositors generally do not apply to foreign ADIs including Standard Chartered Bank. For example, depositors with foreign ADIs do not receive the benefit of the following protections:</p> <ul class="wp-block-list"> <li>deposits are not covered by the financial claims scheme and are not guaranteed by the Australian Government;</li> <li>depositors do not receive priority ahead of amounts owed to other creditors. This means that if a foreign ADI were unable to meet its obligations or otherwise is in financial difficulties and ceases to make payments, its depositors in Australia would not receive priority for repayment of their deposits from the foreign ADI’s assets in Australia; and</li> <li>a foreign ADI is not required to hold assets in Australia to cover its deposit liabilities in Australia. This means that if the foreign ADI were unable to meet its obligations or otherwise is in financial difficulty and ceases to make payments, it is uncertain whether depositors would be able to access the full amount of their deposit.</li> </ul> <p class="wp-block-paragraph">The Banking Code of Practice 2020 (as amended, supplemented, revised, replaced and/or restated from time to time) does not apply to any transaction or service made available by Standard Chartered Bank in Australia<em>.</em></p> <p class="wp-block-paragraph">© 2024 Copyright Standard Chartered Bank and its affiliates. 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