The Account shall be deemed to have become Dormant where in respect to the Specific Terms and Conditions of the Account, the Account has become inoperative over a given period of time, as may be determined by the Bank from time to

time;

The Bank may (including without limitation) apply any one or more of the following conditions to the Account, once the Account has been classified as Dormant;

a) Ask Customer to provide in writing a request to reactivate the Account, signed as per the Mandate held,

b) Confirm the validity and authenticity of the first transaction reactivating the Account;

c) Suspend the payment of interest (if applicable);

d) Suspend the issuance of Account Statements; and

e) Charge a maintenance fee as may be determined by the Bank from time to time.

The above conditions will be necessary to safe guard the interest of the bank as well as that of the Customer