DECLARATION

• I have read, understood and hereby agree to the Terms and Conditions in respect of all products and channels.
  I understand that any changes in the terms and conditions applicable to this relationship would be made available to me on request at any IOB branches. I confirm that all accounts under this login name are operated singly and in case of joint account operated by either or survivor/ anyone or survivor(s) under his/her joint name respectively. I do hereby declare that information furnished in this form is true to the best of my knowledge and belief.