1 ． Personal Clients

• Users are entitled to use the self-service enquiry and human operator enquiry services provided by 95561 without having to sign an agreement.

• For services that involve the change of account funds, such as account transfers and bill payments, clients are required to sign an agreement at the counter in a bank outlet. Valid proof of identification is required.

2 ． Corporate Clients

• Users are entitled to use the human operator enquiry services provided by 95561 without having to sign an agreement.

• To use self-service account enquiry services, an application must be put in at the bank where the account in question was opened. A letter of authorization from the company and the valid proof of identification of the applicant are required.

3. Clients should be sure to keep their telephone banking log-on password and registered card number confidential. These numbers should be frequently changed when necessary. Any actions taken for which a password was required are seen as the actions of the client. The client will be responsible for the consequences of failing to keep the password confidential.