1. TERMS AND CONDITIONS

Subject to any other Agreement made in writing between the Bank and the Borrower, the relationship between the Bank and the Borrower shall be governed by the following Terms and Conditions for the Workplace Personal Unsecured Lending (the “Terms and Conditions”). These Terms and Conditions shall be subject to the I&M General Terms & Conditions and in the event of any inconsistency between the provisions of these Terms and Conditions and any provision of the I&M Bank General Terms & Conditions, the I&M Bank General Terms & Conditions shall govern, control, and prevail.