St. Kitts-Nevis-Anguilla National Bank Ltd

PERSONAL INFORMATION ADDITIONAL ADDRESS

Name (Full)

Date of Birth

Passport Number

Social Security Number

Mother's Maiden Name

Gender

TELEPHONE

Home Work

Cell Other

PHYSICAL ADDRESS

Street

P.O. Box

City

State Zip

Country

MAILING ADDRESS

Street

P.O. Box

City

State Zip

Country

Street

P.O. Box

City

State Zip

Country

EMPLOYER

Name

Address

Tel

CARD TYPE

Gold

Classic

CARD LINKED TO ACCOUNTS

1.

2.

3.

Would you like to participate in a rewards program?

Customer Signature Date

N.B. By signing above I certify that I agree to all the terms andcondition of this application.

(Fees Applicable)

FOR BANK USE ONLY

Date Received

Date Issued

Date Activated

CIF

Approved By

Activated By

Yes No

EC

EC

US

US

DEBIT CARD APPLICATION

Email

account must sign the agreement , and all the account holders will be jointly and severally liable for transactions effected on the accountwhether each account holder is a Cardholder or not.

i. The Card is not a credit card and its issuance does not permit you to overdraw your account or to otherwise obtain credit from the Bank.

NATIONAL BANK CARDHOLDER AGREEMENT

DEFINITIONS

Throughout this Agreement where the context so requires, the singular includes the plural and vice versa, and the masculine thefeminine and neuter. "You" and "your" refer to the Cardholder and the following terms have the following meanings:

Automated Banking Machine (ABM), also known as Automated Teller Machine (ATM): Electronic terminal used by consumers toaccess financial services provided by the financial institution(s) that hold(s) their account(s).

Bill Payment Register: Designated Third Party Company bank account numbers to which the Cardholder may direct payment.

BankCard Centre: The St Kitts- Nevis- Anguilla National Bank Ltd. Card Services Office.

Cardholder / you: The customer, to whom the National Bank Debit Card is issued.

Designated Bank Accounts: - means those accounts which can be accessed through an ABM or point-of-sale device or by otherelectronic devices defined by the Bank from time to time.

Designated Third Party Company: Any additional companies as notified to the Cardholder from time to time by the Bank includingutility companies, telephone companies, cable TV and other service providers.

Gender: Male or Female.

Personal Identification Number (PIN) also known as an electronic signature: A secret code intended for the sole use of acardholder. The pin is used in conjunction with a debit card to confirm the identity of the card holder and to authorise debit cardtransactions at ABMs.

Point of Sale Terminal: an electronic terminal used by cardholders to pay for goods or services at retail or service outlet.

Point of Service Terminal: an electronic terminal, incorporating a card reader and PIN pad, used to make debit card transactions. Anautomated bank machine is an example of a point service terminal.

Debit Card: A card with electronically readable data that is used to confirm the identity of the cardholder to authorise debittransactions

The Card: The National Bank International VISA Debit Card issued to you, the Cardholder, under the terms and conditions setout herein.

You warrant to the Bank that you are over the age of eighteen (18) years and further agree as follows:-

I. JOINT ACCOUNTS: - Where a designated bank account requires dual signatures to operate the account, all signatories to the

II. THE CARD

ii. The Card shall remain the property of the Bank at all times and shall be returned to the Bank by you on demand.iii. The Card may be retained and not returned it to you, by the ABM, point-of-sale device or a merchant. You acknowledge that such

restrictions and programmes are provided for your protection, the merchant or the Bank against wrongful use of the Card. The Bankwill not be liable for any loss or damage whatsoever incurred by or as a result of the retention of the Card.

iv. The Card is valid for use at any ABM operated in the Federation or worldwide where the ABM carries the "Plus" Logo. The card is alsovalid for use at points-of-sale where merchants are authorised to accept cards bearing the VISA logo. The Card shall be used solely byyou and all transactions done using the Card shall be deemed to be transacted by you unless accepted by the terms of this Agreement.You will hold harmless and indemnify the Bank against any loss, injury or damage occasioned by the use of the Card by any person notauthorised under this Agreement to use it.

v. The Bank may in its absolute discretiona. cancel; orb. refuse to renew or replace the Card at any time without notice to you.

vi. You shall use all reasonable precaution to prevent the loss, theft or destruction of the Card and undertake to verbally notify theBankCard Centre immediately of such loss, theft or destruction and the circumstances thereof and further to confirm in writing suchloss, theft or destruction and the circumstances surrounding the same within 24 hours of any such occurrence and until and unless theBankCard Centre receives such notice the Cardholder shall be liable for any transaction to the account accessed by the Card which isthe subject of the notice.

i. You shall enter your PIN in order to use the VISA network of ABMs and the Bank's ABM Network.

i. You are responsible for all debts, withdrawals and account activity resulting from: -

i. You may, subject to the availability of the system, execute the following transactions:

and the devices through which they may be accessed. By using these services, you agree to be bound by the rules herein so far as they areapplicable to the new services and by any additional rules.

i. Where a designated bank account requires dual signatures to operate an account, all account holders must accept the terms and conditions

i. You shall be required to maintain at all times on all designated bank accounts a cash balance equal to or in excess of the amount being

III. THE PIN

ii. You are responsible for the care and safety of the card and your PIN.iii. You shall memorise the PIN in order to prevent the misuse of the Card. You will keep your PIN confidential; secure from all persons

without exception and apart from the card at all times.iv. You agree not to allow anyone to gain access to the services facilitated by the use of the Card through your PIN, and agree to assume

responsibility for all transactions initiated through the use of your PIN and to hold the Bank harmless from unauthorised use.v. You will notify us immediately by telephone and in writing of the loss, theft or unauthorised use of the card and or PIN.

IV. Your liability will cease only when the Bank receive notice of such loss theft or unauthorised use.LIMITATION FOR AUTHORISED &UNAUTHORISED USE OF THE CARD

a. Authorised use of the card by persons by persons to whom you made the Card and or PIN available.b. Unauthorised use of the card and or PIN where you have made available for use the card and PIN by keeping them together in such a

manner as to make them available for use , until we have received notice of loss theft or unauthorised use.ii. You will be considered as contributing to the unauthorised use of the card and / or PIN and will be fully liable for all debts, withdrawals and

account activity where:a. The PIN that you have selected is the same as or similar to an obvious number combination such as your date of birth, bank account or

telephone numbers.b. You write your PIN down or keep a poorly disguised written record of your PIN, such that it is available for use with your card.

Until such time as you notify us of the loss or theft or unauthorised use of the card and PIN, you will be liable for all withdrawals.

V. TRANSACTIONS.

a. balance inquiries on all Associated Accounts;b. transfers between local currency (EC$) accounts, that is to say,

• savings accounts to current accounts;• current accounts to savings accounts;• bill payments from savings accounts or current accounts to all designated Third Party Entities and bank loan accounts;

c. obtain cash; andd. make purchases

ii. You may use the Card to make payment for goods and services at any participating merchant where the merchant has the facility and isauthorised to accept the Card.

iii. You may use the Card and PIN to utilise other services as may be provided by the Bank and which may be or become accessible throughthe ABM or other device introduced by the Bank, or at point-of-sale.

iv. New Services. The Bank may from time to time introduce new services. The Bank will notify you of the existence of these new services

VI. JOINT ACCOUNTS

laid out in this agreement by signing the NATIONAL BANK DEBIT CARDHOLDER application form ALL account holders will bejointly and severally liable for transactions effected on the account whether each account holder is a Cardholder or not.

ii. Where a designated bank account has multiple signatories, all signatories will be jointly and severally liable for transactions effected on theaccount whether each account holder is a Cardholder or not.

VII. MAINTAINING BALANCES

withdrawn on any transaction plus all applicable transaction fees, and you hereby charge the said cash balance to the Bank as security forthe repayment of any unauthorised credit that may be obtained by you through an ABM, a point-of-sale device or other device introducedby the Bank. The provision does not apply to designated bank accounts upon which credit facilities have been established under the terms ofa Debit Card Credit Line Facility Agreement.

ii. You shall be required to operate all designated bank accounts upon which credit facilities have been established within the credit limitestablished by the NATIONAL BANK Debit Card Credit Line Facility Agreement and shall ensure that the amount being withdrawn onany transaction plus all applicable transaction fees fall within that credit limit.

iii. If any designated bank account exceeds its available credit, you shall take immediate stepsa. to put the account in credit; orb. to bring the balance on the account within the available credit limit

Whichever is applicable, and you will pay the Bank's normal service charge based on the Cardholder's agreement with the Bank in respectof the overdrawn designated bank account.

iv. The Bank reserves the right to decline or refuse any transaction where both the relevant fee and the sum being withdrawn cannot beaccommodated at the time the transaction is executed.

i. You shall be permitted, in any twenty-four (24) hour period, to make cash withdrawals from any ABM up to a fixed maximum amount

i. It is understood and agreed that all deposits made or payments requested after normal banking hours shall be deemed to have been made or

i. You shall receive a receipt for each transaction made at an ABM or point-of-sale device with the Card. You must retain these receipts in

i. The Bank shall not be liable to you, the cardholder, for the operational failure of any Participating ABM or point-of-sale device or for any

i. You will immediately notify the BankCard Centre in writing of any address changes and until such notice is received by the BankCard

VIII. TRANSACTION LIMITS

established by the Bank from time to time.IX. POSTING OF TRANSACTIONS

requested on the next business day following that on which the said deposit or payment was made or requested.X. RECEIPTS

order to facilitate the easy reconciliation of your transactions on your bank statements. In cases of questions about any transaction, you shallcontact the Bank as soon as possible, provided that in respect of disputed transfers or disputed payments from your account, you mustsubmit written notification thereof to the Bank within 60 calendar days from the date of the relevant transaction.

ii. Our records as to whether an automated banking service has been performed and our determination of the details of the transaction will beconsidered correct and binding on you, unless you provide us with evidence to the contrary within 60 days of the date of a disputedtransaction.

iii. If you fail to effect written notification within the said period the Bank shall not be liable for any loss arising from the disputed transactionnor shall the Bank be liable to reverse or refund the effect of any such transaction including interest and transaction fees accruing or chargedthereon.

XI. FEES AND CHARGES

You agree to pay and we may deduct, without notice, from any of your accounts (even if this creates or increases an overdraft):

i. The transaction charges imposed by other financial institutions (inside or outside of the Federation) for each transaction conducted throughtheir ABMS or direct payment terminals in which the card or PIN has been used.

XII. FORCE MAJEURE

injury, loss or damage howsoever arising whether from criminal activity or otherwise suffered by the you in the use of the ABMs orpoint-of-sale devices or on or near premises housing same, nor shall the Bank be liable for any unauthorised use of the Card or for anyloss resulting from circumstances over which the Bank has no direct control including but not limited to your failure to input complete andaccurate information, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems,operator error, log in sequences, severe weather, earthquakes, flood or other acts of God.

ii. In no event will the Bank be liable for damages in excess of your actual loss due to its failure to complete a transaction and the Bank willnot be liable for any indirect, incidental or consequential damages.

iii. Where you agree with any merchant to have the Card charged periodically for any good or service provided by the merchant or otherwise,you wholly accepts the risks and consequences thereof including but not limited to part payments or late payments, and the Bank shall notbe liable for any loss arising as a result of such part payment, late payment or otherwise.

XIII. CHANGES

Centre all notices mailed to your last known address will be effective as though received.XIV. CANCELLATION

i. You may cancel the Card upon giving the Bank ten (10) days written notice of such intended cancellation and such notice shall only beeffective if it is accompanied by the Card.

XV. HEADERSi. Headers used in this Agreement are for convenience only and do not form a part of the Agreement and will be wholly disregarded in

construing the Agreement.XVI. REVISION OF TERMS

i. The Bank may amend or revise in whole or in part these conditions at any time in its absolute discretion and may give you, theCardholder, notice of any such amendment or revision and such notice shall be sufficient if the Bank notifies you that revisions have beenmade and gives instructions as to how to obtain a copy of such revisions. The revised conditions shall be effective on the date specified bythe Bank. Your continued use of the Card after the effective date of such revision will constitute your acceptance of the revisions.

X VII. DISCLOSUREi. The Bank will disclose information to third parties about your account in the following circumstances:-

a. in order to verify the existence and condition of the account for a merchant;b. to verify mailing and shipping addresses;c. in order to comply with Court Orders; ord. if the Cardholder gives the Bank written permission;e. in accordance with any Laws or regulations prescribed by any statute, authority, statutory body or other institution governing the same

in the Federation.X VIII. WAIVER.

i. No neglect or forbearance or omission on the part of the Bank to take advantage of or to enforce any rights arising out of any breach ornon-performance or non-observance of any of the terms, conditions or obligations herein contained shall be deemed to be or be taken asa general waiver of any such right arising out of any such breach or non-performance or non-observance either original or recurring.

XIX. USE IN ANY JURISDICTION. When you use the Card in the Federation, or in any jurisdiction outside of the Federation ("a foreign Jurisdiction"), you agree to use theCard in compliance with the laws of that jurisdiction.

i. You will not use the Card for any illegal purpose or in the commission of any act made criminal in anyii. Jurisdiction in which the Card is used.

XX. GOVERNING LAWThis Agreement shall be governed by the laws of the Federation.

XXI. LEGAL ACTIONi. In the event that you default on any of the terms of this Agreement, and this Agreement is handed to a Solicitor for collection or other

remedy applicable under this Agreement, you will pay all consequential Solicitor's costs and Court costs in the matter.XXII. NOTICES.

i. All notices required to be served upon the Bank shall be well and sufficiently served if -ii. sent by prepaid post addressed to the Bank at its last known place of business in the Island of Saint Christopher; or

a. sent to the Bank by fax; or emailb. delivered to the Bank by hand

and the Bank will be deemed to have received the notice only afterthe notice shall have actually been received by the Bank.

iii. All notices required to be served upon the BankCard Centre shall be well and sufficiently served if -iv. sent by prepaid post addressed to the BankCard Centre at its last known place of business in the Island of Saint Christopher; or

a. sent to the BankCard Centre by fax; orb. delivered to the BankCard Centre by hand and the BankCard Centre will be deemed to have received the notice only after the notice

shall have actually been received by the BankCard Centre.v. All notices required to be served upon you shall be well and sufficiently served if sent by prepaid post addressed to your last known

address and you will be deemed to have received any notice sent by mail fourteen (14) days after posting.X XIII. WHOLE AGREEMENT

i. This is the whole of the Agreement between the parties and this Agreement can only be altered by agreement in writing signed by theparties hereto.

ii. By signing the NATIONAL BANK DEBIT CARD AGREEMENT, you warrant that you have read and understood the terms andconditions hereof and accepted them.

© 2009St. Kitts-Nevis-Anguilla National Bank Ltd., P.O. Box 343,

Central Street, Basseterre, St. Kitts, West Indies.Tel: 869-465-2204 Fax: 869-466-1908 or 1050

www.sknanb.com

Customer's Signature: