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STATE BANK OF INDIA, SYDNEY BRANCH - page 4 / 6

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Banking & Financial Services Ombudsman Ltd G P O Box 3A, Melbourne Vic 3001 Telephone: 1300 780 808 Fax: 03 9613 7345 Internet:http: // www.bfso.org.au

10.

Glossary

In this document, the following words have the following meanings:

You The person or persons named as Applicant in this document. If details of more than one person are given, then "you" means all of them together and each of them individually.

Correspondent Another bank or agency chosen by SBIS to convey the funds directly or indirectly to the beneficiary and includes any intermediary correspondent.

Delayed Payment Occurs when a transfer of funds occurs, for some reasons outside of SBIS' control, more than 48 hours after SBIS has accepted your instructions.

Revised 19/04/2007

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