Any obligation by the Bank to report adverse information or provide a notification of overdue account is limited to the Standard Chartered Bank Deal Team which is defined as “individuals employed by the Bank, including in the Transaction Banking team, who are directly involved in the prior or current and ongoing negotiation, structuring, approval and management of the Financing Agreement and/or this Policy”. Standard Chartered Bank has in place the appropriate structure and process to ensure the “Standard Chartered Deal Team” is able to fulfil its obligations under the terms and conditions of this Policy