Dear Customer,

We would like to inform you that w.e.f. 15th October 2012 we will be making the following changes in the Card Member Agreement governing your RBS Credit Card.

Kindly note the additions of the following clauses which have been made as detailed below:-

New Clause ‘8 (k)’ & ‘21.4’ under the Disclosure section on page 23 & 32 respectively :

"Notwithstanding anything to the contrary, the Cardmember authorizes the Bank to disclose all/any information or documents about the Cardmember including this Agreement and/or any other agreement, transactions or dealings between the Cardmember and the Bank for any purpose to (i) its head office or to any other branches, subsidiaries or associated or affiliated companies of the Bank; (ii) professional advisers of the Bank; (iii) any potential or actual purchaser/assignee of the Bank or of any of its businesses, rights, assets or obligations; or (iv) to any other person where disclosure is required by law."

Please visit our website http://www.rbs.in/consumer/creditcard/information.html for the revised contents of the Most Important Terms & Conditions of the Card member Agreement which will be effective 15th October 2012.

Warm regards,
The Royal Bank of Scotland N.V.