ANUGRAHA BULLION & VAULT

Terms & Conditions - Anugraha Bullion Ltd (the "Company") is committed to providing you (the individual or entity identified as the customer in this application form) with the use of the safe deposit box specified in this application form. This service is governed by the terms and conditions outlined in this document and the attached pages, along with the rates provided in our price list. The application form, Terms and Conditions, and price list collectively constitute the contractual Agreement between us. It is important to note that this Agreement becomes legally binding upon your signature. Therefore, we strongly urge you to carefully read and understand all the conditions before signing. Please acknowledge your understanding of the key conditions, particularly those referenced below, by initialling the corresponding boxes: Condition 3.2: Your obligations to compensate us. Condition 4.2: Prohibited items. Condition 3.5, 12, and 14.3: Specific obligations and responsibilities. Condition 7: We do not insure items in the box. We recommend obtaining your insurance if the value exceeds £10,000. Condition 11: Termination of this agreement. Please be aware that we may utilise your personal data as outlined in Condition 16 and may contact you regarding our products and services if you initial the vault. By signing, you confirm that you have read and ACCEPT the Terms and Conditions in this agreement and AGREE to be bound by them.

1. Definitions 1.1 In these Terms and Conditions, the following words have the following meanings: “Agreement” – these Conditions, the Application Form, and the Price List “Box” – the Safe-Deposit Box hired by a customer pursuant to this Agreement as identified in the Application Form. “Customer” – any natural person or body corporate or other entity identified as the Customer in the Application Form. “Deposit” – a sum of money paid at the start of the Term, refundable as set out in these Conditions, the amount of which is set out in the Application Form. “Fee” – the Fee charged by Us for the Services as set out in this Agreement. “Nominee” – a person nominated by You to have access in accordance with Condition 2.6. “Notice” – written communication by either Us or the Customer served in accordance with these Conditions. “Price List” – a list of Fees payable in respect of the Services (as amended from time to time) “Services” – the supply of safe deposit services provided by Us to the Customer under this Agreement, including any additional services provided by Us as specified in the Price List. “Term Start Date” – the start date of the initial period of 12 months commencing on the Start Date, as extended from time to time in accordance with this Agreement. “We”, “Us”, “Our”, “the Company” – Anugraha Bullion Ltd “You”, “Your” – the Customer named in the Application Form 2. Contract 2.1 These Conditions, together with the Application Form and Price List, form the Agreement under which We agree to provide You the use of the Box for the Term. 2.2 These Conditions shall apply to the Agreement and will govern the entire relationship between Us and You throughout the Term. 2.3 The formation of the Agreement is conditional on You providing Us with such evidence of identity as We may require, our acceptance of the information provided by You in the Application Form, and the payment by You of the Deposit. You may not open an account in the name of or on behalf of any third party. 2.4 As part of Our verification process and due to the regulatory environment in which We operate (including anti-money laundering regulations), We may carry out background identity verification checks either ourselves or through external agencies engaged by Us for this purpose. We refer to Condition 16 below in relation to how We use Your personal information. 2.5 If there are any changes in the information provided by You in the Application Form, you must notify Us promptly so that We can update Our records. 2.6 Subject to Our being provided with any additional information as We shall require, you may nominate a person in the Application Form or, later by visiting Our premises with the person You wish to nominate, and that person shall be granted equal rights of access but not control over the Box (“Nominee”) 2.7 You may only appoint one Nominee at any time, and You may remove such Nominee by Notice to Us signed by the Customer named in the Application Form. 2.8 The Conditions will only be changed and/or amended in accordance with these Conditions. 3. Key 3.1 There are a total of two keys made for each Box. Upon receipt of the Deposit, we will issue both keys to the Customer. 3.2 You are responsible for the safekeeping of these keys at all times. You are not entitled to make or have made any copy of the keys or permit any other person to do so. You agree to indemnify Us and hold Us harmless for any breach of this Condition 3.2 either by You, any Nominee, or any other person. 3.3 All keys always remain in Our property. 3.4 We cannot access the safe deposit box once the keys have been released to You without breaking open the Box. 3.5 If any of the keys are mislaid or lost, you must notify Us immediately, either in writing or by telephone. In these circumstances, we will replace the lock to the Box and provide You with two new keys to the replacement lock subject to You having paid all sums due to Us for the relevant costs as set out in the Price List. 4. Contents of the Box 4.1 You acknowledge that We are not aware of the contents of the Box and have no knowledge as to the purpose of the storage or the use to which the contents of the Box may be put at any time. 4.2 The Box is designed to store papers, valuables, and other items of a similar nature for lawful purposes only. By entering into this Agreement, You agree that You will not store or allow any other person to store anything that is illegal, offensive, immoral, obscene, indecent, defamatory, slanderous, libelous, noxious, poisonous, corrosive, inflammable, explosive or unstable, nor any guns, knives, firearms, ammunition, chemicals, drugs, plants or plant materials, nor any living organism or any other substance or material which may be the subject of any ban, embargo or import restriction, nor any proceeds of prostitution or drug trafficking or the proceeds of any other crime, nor anything which is otherwise unlawful or which has or may be used in any act of terrorism or which will or may cause any harm whatsoever to any person, premises or place, including (without limitation) the Box or Our premises, employees, agents, contractors, customers or visitors. 4.3 You agree to fully indemnify Us (which means you must fully compensate us for) and pay Us for all costs, charges, expenses, claims or damages that We incur or which are made against Us in the event of any breach by You of this Condition 5.3 in respect of any harm, damage or loss that We or any of Our employees, agents, contractors, customers or visitors to Our premises suffer. 5. Access 5.1 We will inform You of the procedures which You must follow to access the Box at the time You open Your account with us or on any later occasion on which You request access. 5.2 You may not request access to the Box outside normal business hours. 5.3 If the original key is not used or are used incorrectly, we will refuse You access to the Box and may request such information or evidence as We may require from You or Your Nominee. 5.4 We may, in Our absolute discretion, refuse You or Your Nominee access to the Box but without limitation if We consider it to be necessary to do so for security or other reasons. 5.5 In certain circumstances, we may also be obliged by law to refuse You or Your Nominee access to the Box. 6. Security 6.1 We are not aware of the contents of any Box and We are not obliged to inspect the contents of any Box. 6.2 In the event that We become aware of anything in the Box which We reasonably consider to be prohibited by Condition 5.3, We may immediately notify the police or other relevant authority and may deny You access to the Box forthwith. 6.3 If You or Your Nominee becomes aware that anything in the Box falls within the scope of Condition 5.3, You must notify Us immediately. If You or Your Nominee fail to do so, you will be in breach of this Agreement, and We will not be liable to You in respect of any loss or damage You suffer because of any action We take in relation to Condition 7.2 in these circumstances. 7. Insurance 7.1 We do not provide insurance for the contents of the Box, and You are advised to make appropriate arrangements to insure the contents of the Box if You consider it necessary to do so. 8. Payment and Charges 8.1 We will charge You Fees for the Services as set out in the Price List. 8.2 All Fees are payable in advance in accordance with the Price List, and no access to the Box will be granted until We have received cleared funds in respect of the Deposit and the first instalment of the Fee. 8.3 You must pay the Fee to Us in accordance with the Price List. The Fee is payable in advance in twelve equal monthly instalments. 8.4 If You fail to pay any instalment of the Fee within 14 days of the due date, we may refuse You access to the Box until such time as You have paid all sums due to Us. 9. Term 9.1 The initial term of this Agreement shall be 12 months commencing on the Term Start Date. 9.2 The Agreement will automatically renew for successive 12-month periods, unless terminated by either party in accordance with Condition 14. 10. Termination 10.1 You may terminate this Agreement at any time by Notice in writing to Us. 10.2 If You terminate this Agreement before the Term End Date, you will not be entitled to a refund of any Fee. 10.3 We may terminate this Agreement at any time by Notice in writing to You. 10.4 We may terminate this Agreement forthwith and without Notice if: 10.4.1 You are in breach of any term of this Agreement, or 10.4.2 We consider it necessary to do so for security or other reasons, or 10.4.3 We are required to do so by law. 10.5 If We terminate this Agreement under Condition 12.3, We will refund to You a proportion of the Fee paid by You based on the number of complete months remaining in the Term. 10.6 If We terminate this Agreement under Condition 12.4, We will not be obliged to refund any Fee to You. 10.7 In the event of termination, you must return the keys and the ID Key to Us immediately. 10.8 If You fail to return the keys and ID Key within 7 days of termination, we may replace the locks to the Box and charge You the relevant costs as set out in the Price List. 11. Inspection 11.1 We may inspect the contents of any Box at any time. 11.2 We may, at Our discretion, inform the police or other relevant authority if We consider it necessary to do so in the event of a breach by You of any term of this Agreement. 12. Amendment 12.1 Subject to Condition 2.8, We may amend these Conditions, the Application Form, or the Price List at any time by Notice to You. 12.2 If You do not agree with any amendment, you may terminate this Agreement by Notice in writing to Us within 14 days of the date of the Notice of amendment. 13. Liability 13.1 We will not be liable to You for any loss or damage to the contents of the Box. 13.2 We will not be liable to You for any loss or damage suffered by You because of any act or omission on Our part, except for any loss or damage suffered by You because of Our negligence or fraud. 13.3 If We are found liable to You for any reason, our liability will be limited to the lesser of the amount of any loss or damage suffered by You or the amount of the Fee paid by You in the 12 months preceding the date of the event giving rise to the liability. 14. Data Protection 14.1 We collect information about you upon registration and throughout the duration of this Agreement, encompassing personal data processed in accordance with the Data Protection Act 1998. 14.2 Your data serves the purposes of this Agreement, facilitating payment processing, communication, and general account maintenance. 14.3 We may share your data with credit reference agencies, fraud prevention agencies, or relevant trade associations. Your data may be released at our discretion to comply with the law, enforce the Agreement, protect against fraud, reduce credit risk, prevent crime, ensure safety, or safeguard the security of the Box or its contents. In the event of a business sale or acquisition, your data may be disclosed to prospective buyers or sellers. 14.4 With your consent, we may use your data for marketing purposes and to provide information, products, or services you request. 14.5 You have the right to request a copy of your information, with a small service charge applicable. Refer to our privacy policy [available separately] for details on how we handle and secure your personal data. 15. Confidentiality 15.1 We treat all information you provide as confidential, taking steps to maintain its confidentiality during the Term. 15.2 It is your responsibility to keep keys and passwords secure; we are not liable for consequences arising from their loss or disclosure. 16. Notice 16.1 Written Notices shall be delivered personally or via post/courier to the other party. Notices are deemed received according to delivery method. 16.2 Notices are only provided to the Customer. Notices via email are not valid. 17. Website and Email 17.1 Our website is [www.anugrahabullion.com]. 17.2 We are not responsible for linked content, policies, or services. 17.3 Website use is subject to posted terms and conditions. Official emails carry the suffix [@anugrahabullion.COM]. 18. General 18.1 This Agreement is personal to the Customer, and its provisions may not be transferred without our consent. 18.2 Failure to enforce Conditions does not waive them. The Contract (Rights of Third Parties) Act 1999 does not apply. 18.3 We may amend Conditions due to legal or regulatory changes, with notification to you. Invalid provisions do not affect the overall enforceability. 18.4 Modified provisions apply minimally to ensure legality. 18.5 Your rights as a licensee are outlined; ownership rights are not granted. 19. Law and Jurisdiction 19.1 English law governs this Agreement, with disputes subject to the exclusive jurisdiction of the courts of England and Wales. (August 2013)