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          <td height="25" align="center" class="loginhead" width="100%"> <b>Terms

            and Conditions for Internet Banking Services/Facility</b></td>

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          <td colspan="1"><p><br>

              <font size="2" face="Arial, Helvetica, sans-serif">Without prejudice

              to any terms &amp; conditions posted on the Bank&#8217;s website,

              the following terms and conditions shall apply to any banking services

              provided by the Bank through its website from time to time (the

              &#8220;Internet Banking Services&#8221;).<br>

              By applying for and/or using the Internet Banking Services, the

              Customer acknowledges, understands, accepts and agrees to be bound

              by the following terms and conditions as may be amended by the Bank

              from time to time. </font></p>

            <p><font size="2" face="Arial, Helvetica, sans-serif">1) All fees,

              expenses, costs or charges applicable to the Internet Banking Services

              shall be for the account of the Customer and the Customer hereby

              authorises the Bank to debit the same directly to the Customer&#8217;s

              account(s).<br>

              <br>

              2) Any transaction and/or instruction made or given by the Customer

              in connection with the Internet Banking Services shall be at the

              Customer&#8217;s own risk and responsibility. The Bank&#8217;s records

              of any transaction or instructions processed in connection with

              the Internet Banking Services shall constitute binding and conclusive

              evidence of such transaction or instruction for all purposes.<br>

              <br>

              3) The Customer acknowledges that the Internet Banking Transactions

              are made over or through the internet. The Customer further acknowledges

              that the open and electronic nature of the internet may give rise

              to errors, losses, damages and claims and agrees that such risks

              shall be the sole responsibility of the Customer and undertakes

              to indemnify and hold the Bank harmless against any and all such

              losses, damages and claims.<br>

              <br>

              4) The Bank shall provide the Customer after receiving the application

              for the Internet Banking Services, with the User ID(s) and/or Password(s)

              and/or Token(s) must be used by the Customer to have access to the

              Internet Banking Services. The Customer shall safeguard, protect

              and maintain as secret and shall safeguard from disclosure and/or

              use by any other person(s) the User ID(s), password or any other

              authentication methods/devices, as the Bank may provide from time

              to time, from being disclosed to any third parties or unauthorised

              person. <br>

              The Customer further agrees and undertakes that:<br>

              </font><font size="2" face="Arial, Helvetica, sans-serif"> a) the

              Bank is not required to make investigations regarding the identity

              of the user gaining access to the Internet Banking Service other

              than to verify that the Username(s), Password(s) and Token are indeed

              as registered in the &nbsp;&nbsp;Bank&#8217;s records;<br>

              b) the Customer will be liable for the usage of the Username(s),

              Password(s) , Token(s) and any other authentication methods/devices

              used to access the Internet Banking Service by authorised personnel,

              unauthorised personnel or any other third parties; and<br>

              c) the Bank may rely on the authenticity of transaction conducted

              by a user accessing the Internet Banking Service by use of the Username

              and/or Password and/or Token. If the Bank has reason to doubt the

              genuineness of any instruction &nbsp;or transaction, the Bank may,

              at its discretion, choose not to process the instruction and/or

              transaction initiated through &nbsp;the Internet Banking Service.<br>

              <br>

              5) The Customer must immediately notify the Bank, and later confirm

              in writing, if the User ID(s) and/or Password(s) and/or Token(s)

              have been lost, stolen or damaged. The Bank shall not be liable

              for any losses and damages arising directly or indirectly as a result

              of failure by the Customer to notify the Bank of such incident and

              the Customer undertakes to indemnify and hold the Bank harmless

              against any and all such losses, damages and claims.<br>

              <br>

              6) The Bank may, and the Customer acknowledges that the Bank may

              add banking products or services to the Internet Banking Service

              or discontinue some of the banking products and services provided

              through the Internet Banking Service as the Bank in its absolute

              discretion deem appropriate or fit.<br>

              <br>

              7) The Customer acknowledges that the any and all information provided

              on the Bank&#8217;s website or through the Internet Banking Services

              or for the use of the website or the Internet Banking Services (including

              the User ID(s), Password(s) and Token(s)) remain the sole property

              of the Bank. Accordingly, the Customer acknowledges and accepts

              that the Bank may, in its absolute discretion, restrict or withdraw

              the usage of the Internet Banking Services, the User ID(s), the

              Password(s) and/or Token(s) and /or any other services, authentication

              methods/devices that may have been provided by the Bank for the

              purposes of using the Internet Banking Services.<br>

              <br>

              8) The Customer acknowledges and accepts that certain of the services

              available through the Internet Banking Services may require additional

              processing within the Bank. Therefore, the Customer acknowledges

              and accepts that it may take time to process the Customer&#8217;s

              transactions and/or instructions. The Bank shall not be liable for

              any loss, damage or penalties imposed on the Customer or any other

              consequences that may result due to any such delays.<br>

              <br>

              9) The Customer shall be solely responsible for the accuracy and

              correctness of all information and instructions provided or made

              by the Customer through the Internet Banking Services. The Customer

              acknowledges that the Bank is under no obligation to refer to the

              Customer to verify any such information or instructions.<br>

              <br>

              10) The Bank shall be entitled to consider any and all information

              and/or instructions received from the Customer through the Internet

              banking Services as complete and final and the Customer acknowledges

              and accepts that the Bank shall be under no obligation to accept

              any amendments or cancellations to such information and/or instructions.<br>

              <br>

              11) The Customer acknowledges that the availability of the Internet

              Banking Services depends on the availability of services provided

              by other third party service providers. Accordingly, the Bank shall

              not in any way or form be responsible if the Customer is unable

              to access and/or utilize the Internet Banking Services due to any

              reason beyond the Bank&#8217;s control including, but not limited

              to, any technical, communication or network malfunction or breakdown.<br>

              <br>

              12) In relation to remittance services provided through the Internet

              Banking Services, the Bank shall not be liable for failure to effect

              such remittance instructions due to lack of sufficient available

              funds in the Customer&#8217;s account(s), errors in beneficiary

              details, failure to identify the beneficiary or delay in payment

              to the beneficiary at the receiving destination.<br>

              <br>

              13) In relation to bill payment services, the Bank shall not be

              liable for any loss, damage or penalties imposed on the Customer

              or any other consequences that may arise from partial, incomplete,

              late or failed transfer to any payee nominated under the Internet

              banking Services due to reasons beyond the Bank&#8217;s control.<br>

              <br>

              14) The Bank shall not be liable for any loss or damage that may

              arise or be incurred directly or indirectly by reason of the Bank&#8217;s

              carrying out or failure to carry out the Customer&#8217;s transactions

              or instructions due to any malfunction or failure of the Internet

              Banking Services.<br>

              <br>

              15) The Customer agrees that the Internet Banking Services are provided

              exclusively for the benefit and service convenience of the Customer.

              The Bank shall not be liable in any manner or form for providing

              the Internet Banking Services.<br>

              <br>

              16) The Customer irrevocably and unconditionally authorises the

              Bank to access the Customer&#8217;s Account(s) for effecting banking

              and/or other transactions performed by the Bank through the Internet

              banking Services or otherwise for providing the Customer with any

              information sought by the Customer through access to the Internet

              Banking Services.<br>

              <br>

              17) The Customer acknowledges that the Bank shall not be liable

              for any unauthorised transactions occurring through the use of Internet

              Banking Services. The Customer also agrees to fully indemnify and

              hold the Bank harmless against any action, suit, and proceeding

              initiated against it or any loss, cost or damage incurred by it

              as a result thereof. The Bank shall under no circumstance be held

              liable to the Customer should access to Internet Banking Services

              become unavailable in the desired manner for reasons beyond the

              Bank&#8217;s control including, but not limited to, natural calamities,

              legal restraints, faults in the telecommunication network or network

              failure.<br>

              <br>

              18) The Customer hereby agrees that under no circumstances shall

              the Bank be liable for any damages whatsoever whether such damages

              are direct, indirect, incidental consequential and irrespective

              of whether any claim is based on loss of revenue, interruption of

              business or any loss of any character or nature whatsoever and whether

              sustained by the Customer or by any other person. Illegal or improper

              use of the Internet Banking Services shall render the Customer liable

              for payment of financial charges as decided by the Bank from time

              to time, or will result in suspension of the operations through

              the Internet Banking Services.<br>

              <br>

              19) The Customer agrees that any use by the Customer of the Internet

              Banking Service shall constitute acceptance of these terms and conditions.

              </font> </p>

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