INTERNET BANKING TERMS AND CONDITIONS for Personal Customers with QATAR NATIONAL BANK S.A.Q., LONDON BRANCH Effective from 1 [August] 2012

Internet Banking Terms and Conditions for personal customers

These Terms and Conditions govern the Internet Banking services available to personal Customers of Qatar National Bank S.A.Q., London Branch. They apply in addition to any special conditions agreed by the Customer in relation to any individual Account or service and should be read in conjunction with the terms and conditions which apply to those Accounts or services. In the event of any inconsistency between these Terms and Conditions and those for any Account or additional service, then these Terms and Conditions shall prevail in relation to Internet Banking.

The Customer should carefully read and consider these Terms and Conditions before completing the relevant application form. Signature by the Customer of the Bank's application form shall constitute acceptance of and agreement to these Terms and Conditions. It is recommended that the Customer retains a copy of these Terms and Conditions for future reference. However, the Bank will, upon request, post a copy of these Terms and Conditions to the Customer free of charge.

Please read our Privacy Policy where you will find details on how we use "cookies" and the information you provide to us.

1. Internet Banking

a. You must register for Mobile Banking in order to use Internet Banking. If you are not registered to Mobile Banking, you will not be able to access Internet Banking.

b. You can use Internet Banking to access Accounts held with Qatar National Bank S.A.Q., London Branch

c. If you have registered for Internet Banking, you can use it to find out information about your Accounts and give us instructions, including payment instructions to make Transactions, in accordance with the terms and conditions that apply to your Account. We will try and carry out instructions immediately. Some instructions can only be processed on Business Days, even though Internet Banking can be accessed outside those hours .

d. You may use Internet Banking at all times but occasionally repairs, updates and routine maintenance on our systems and those of our suppliers may mean that a particular service cannot be used for a short time.

e. If you use Internet Banking, your computer and Internet settings must meet any reasonable requirements we may set; you must carry out your own regular virus checks; and you must not change or copy any software we provide or give it to another person.

2. Definitions

2.1 "Account": any of your personal bank accounts held with us which we say may be accessed, viewed or operated via Internet Banking,

2.2 "Business Day": means 9am to 5pm Monday to Friday other than public and bank holidays in England and Wales, or Scotland (if in Scotland) unless we notify you of different times for the processing of payments to and from your Account(s).

2.3 "Customer": see "you/your/Customer" at clause 2.9 below.

2.4 "Internet Banking": an online system that enables you to obtain information from us about your Account(s) and (depending on the type of your Account) to give us electronic instructions to make Transactions from such accounts. Electronic instructions can be given by computer or any electronic device linked to our system and by any other means that we may make available for this purpose.

2.5 "Password Information": means a user identity or PIN ("Personal Identification Number") with which we provide you [and/or any memorable information which you choose] and which is then used to identify you when you use Internet Banking.

2.6 "Security Controls": means the procedures which you will be directed to complete so that we can identify you before permitting access to and the use of Internet Banking. This includes the use of Password Information.

2.7 "Tariff of Charges": means the listing of all the charges levied by the Bank, which is given to Customers when they open an Account and can be provided to the Customer at any time upon request.

2.8 "Transaction": means:

any transfer of funds between your Account(s) (for example between your current and savings accounts);

any payment from your Account(s) to a third party (for example a bill payment).

any payment (in any currency) from your Account(s) to a third party whose account is held outside the United Kingdom (an "International Payment").

2.9 "you/your/Customer": means you, the individual in whose name the Account is maintained by us;

2.10 "we/us/our/Bank":means the London Branch of the Qatar National Bank S.A.Q., its successors in title, transferees (Persons to whom the rights and obligations of the Bank under these Terms and Conditions were transferred) and assigns (Persons to whom the rights of the Bank under these Terms and Conditions were passed on), providing the Account you access using Internet Banking.

3. Security

3.1 When we contact you, or you contact us, we need to check your identity before you can give us instructions or we can disclose or discuss confidential information about your Account(s). To do this you must always complete correctly the Security Controls we have agreed and set up with you personally.

3.2 We will only assume that we are dealing with you and that you have agreed to us disclosing information and acting on any instructions without getting further confirmation from you, so long as we have confirmed your identity by completing the agreed Security Controls.

3.3 When you give us instructions using Internet Banking we will ask you to check and confirm your instructions using the Security Controls. You are responsible for checking your instructions are correct.

3.4 You will need to provide us with at least one telephone number so we can, when necessary, contact you under clause 3.3 to check and verify your instructions otherwise, we may not be able to carry them out. You can view and amend your contact details by Logging into Internet Banking or by contacting the Branch by telephone on +44 (0)20 7647 2600 and asking for Internet Banking Support.

3.5 We will record and keep the instructions you provide to us using Internet Banking. We will also monitor and record telephone calls to check we have carried out your instructions correctly, to help improve our service, check that we comply with our regulatory obligations, and to help detect or prevent fraud or other crimes.

3.6 You must:

(a) follow instructions we give you. which we reasonably consider are needed to protect you and us from unauthorised access to your Account(s);

(b) keep your Password Information secure and not let anyone else use your Password Information, not even someone sharing a joint account with you as he or she will need to use his or her own;

(c) log off each time you finish using Internet Banking (for your security, we will automatically log you off if there has been no activity on Internet Banking after 3 minutes of inactivity.[a short period]);

(d) do all you reasonably can to make sure no one finds out your Password Information, for example by not:

(i) choosing an obvious password or memorable information as part of your Password Information, such as your date of birth;

(ii) writing your Password Information on documentation that relates to your Account;

(iii) writing down your Password Information in a way that is recognisable; or

(iv) recording your Password Information in software which retains it automatically such as your Internet browser's "remember password" features.

3.7 You must change your Password Information using Internet Banking or tell us as soon as you can by calling us on (+44) 207 647 2600[please insert telephone number] or visiting us in branch if you:

(a) think that your Password Information has been lost, stolen, damaged or is being misused,

(b) think someone may be accessing your Account(s) without your authority; or

(c) think that someone has discovered your Password Information.

3.8 We will do all we are reasonably able to stop unauthorised access to your Account(s) and to make sure they are secure.

4. Joint Accounts

4.1 If you have a joint account then any one of you may use Internet Banking in respect of that joint account, but you must use your own Password Information and Security Controls.

4.2 You can use Internet Banking to give us instructions on any joint accounts you have independently of the other joint account holders. Internet Banking does not allow Transactions where two or more of you are required to authorise them jointly.

4.3 You should not register for Internet Banking unless the other joint account holders are happy for you to access those accounts using Internet Banking.

4.4 If any of the other joint account holders notify us that they are not happy with you using Internet Banking to access that account, we will treat this as a dispute and suspend or stop your use of Internet Banking for that account. You will not be able to give us instructions for that account using Internet Banking until the dispute is resolved.

5. Fees

5.1 You are liable for telephone and other communication charges and any other charges made by your internet service provider or any other third party as a result of your use of Internet Banking.

5.2 We do not currently charge you for using Internet Banking. However, we may charge you when you wish to enter into certain types of Transaction using Internet Banking. Please refer to our Tariff of Charges for details of our charges. Please also see clause 8.4 for further information relating to our charges.

Suspending or stopping Internet Banking

5.3 We may suspend or stop your use of Internet Banking if we reasonably consider it necessary for reasons relating to:

(a) the security of your Account or Internet Banking; or

(b) suspected unauthorised or fraudulent use of your Password Information or Internet Banking.

5.4 Where possible we will contact you before suspending or stopping your use of Internet Banking to tell you that we are doing so and explain the reasons for this.

5.5 You may terminate your use of Internet Banking at any time and without explanation by calling our helpdesk or visiting us in branch.

6. Liability

6.1 If we break this agreement:

(a) we will not be liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary. For example delays or failures caused by industrial action, problems with another system or network. mechanical breakdown or data-processing failures; and

(b) as this agreement is made with you as a personal Customer, . we will not be liable for any losses or costs you suffer in connection with a business you operate or with which you are involved, for example, loss of business profits or opportunities.

6.2 Your and our liability for unauthorised payments out of your Account made using Internet Banking will be limited in the same way as for any unauthorised payment made from that Account. (You can find more details in the terms and conditions for your Account).

7. General

7.1 This agreement will apply to all personal bank accounts in your name, and any opened in future that can be accessed using Internet Banking.

7.2 Your use of Internet Banking and our website is also subject to our Privacy Policy and our website terms and conditions, which are available at [please insert where these may be found].

7.3 You may contact us about Internet Banking at any time by calling the branch on [please insert telephone number] (open from 9am - 5pm Monday to Friday) or visiting the branch.

7.4 We may change these Terms and Conditions or withdraw Internet Banking or introduce or change charges for Internet Banking. For information on our current charges, please check our Tariff of Charges or ask in the branch. We will give you at least two months advance personal notice before making this kind of change.

7.5 These Terms and Conditions and any non-contractual obligations arising from or in connection with them shall be governed by and construed in accordance with the laws of the England and Wales.

7.6 You agree that the Courts of England and Wales are to have exclusive jurisdiction over any dispute (a) arising from or in connection with these Terms and Conditions or (b) relating to any non-contractual obligations arising from or in connection with these Terms and Conditions.

7.7 It may be unlawful to use Internet Banking in some countries. You must check this and take appropriate action, such as not using Internet Banking. You will be liable if you break foreign laws and for any loss you cause us as a result.

7.8 If any part of these Terms and Conditions proves to be unenforceable in any way, this will not affect the validity of the remaining terms. We may from time to time allow you extra time to comply with your obligations or decide not to exercise some of our rights. However, we may still insist on the strict application of these terms at a later date.

7.9 This contract is in English. All information we provide you and all communications between you and us shall be in English.

7.10 There may be other costs or taxes imposed by third parties in connection with Internet Banking.

8. COMPLAINTS

8.1 If you are unhappy with this service for any reason, you may complain to one of the Bank's employees at the Bank in person or by telephone or email. Alternatively the Customer can write to the Manager, Qatar National Bank S.A.Q., London Branch, 51 Grosvenor Street, London W1K 3HH. All complaints will be examined by employees of the Bank trained in dealing with complaints. We will acknowledge any complaint promptly and keep you informed about the progress made towards the resolution of your complaint. Following examination of a complaint we will inform you of:

- (a) the outcome of the complaint;

- (b) how to pursue your complaint with the Bank in case of dissatisfaction with the Bank's answer to the complaint; and

- (c) your ability to refer the complaint to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR, which allows the dispute to be resolved quickly and with minimum formality by an independent person.

8.2 A summary of the Bank's process for dealing with complaints promptly and fairly is available upon request and will be sent to you by the Bank when we acknowledges your complaint. The Qatar National Bank S.A.Q., London Branch is authorised by the Prudential Regulation Authority "PRA", subject to regulation by the Financial Conduct Authority "FCA" and limited regulation by the PRA.. The reference number of Qatar National Bank S.A.Q., London Branch under The Financial Services Register is 139256. To find out more about the Bank see the Financial Services Register via : www.fca.org.uk/ or contact the FCA on 0300 500 0597.

Qatar National Bank, London Branch is also licensed under the Consumer Credit Act.