Ocbc Bank Singapore Forex

Se ligar do exterior, disque 65 6363 3333. Para clientes da Premier Banking, ligue para 1800-PREMIER (773 6437) ou, se for chamado no exterior, disque 65 6530 5930. Para clientes Plus, ligue para 6820 2020 ou, se ligando Do exterior, marque 65 6820 2020. 1: O que é este serviço sobre Aplicar para a OCBC Online Banking preenchendo o formulário abaixo. Se você já é um usuário existente, você pode executar um Reset do PIN aqui. Não há mais visitas de filial e tudo isso pode ser feito on-line em seu próprio conforto. No entanto, você deve ter um número de celular que esteja registrado conosco antes de poder prosseguir com isso. Se não, visite uma das nossas agências ou ligue-nos pelo telefone 1800-363-3333. 2: Por que eu deveria usar OCBC Online Banking OCBC Online Banking é um serviço de 24 horas. Você pode realizar transações bancárias a partir de qualquer computador com um navegador e uma conexão com a Internet, tudo de sua preferência. 3: O que custar usar a OCBC Online Banking Online Banking, como qualquer um de nossos outros serviços bancários eletrônicos, é gratuito. No entanto, as taxas de transação padrão para alguns serviços, tais como Parar Pagamento de Cheques e Transferência de Fundos sem Sucesso para outro banco, serão aplicadas. 4: Quem pode se inscrever para a OCBC Online Banking Para se inscrever para a OCBC Online Banking, você precisará ter pelo menos uma das seguintes contas OCBC: Conta de poupança Conta corrente Conta de moeda estrangeira Conta de verificação de moeda estrangeira Plano de aposentadoria complementar da conta de investimento do CPF (SRS ) Conta OU se você é um titular de cartão principal existente do Cartão de Crédito da OCBC. Bem-vindo à OCBC Internet Banking, 24 de janeiro de 2017 às 17h54. Estes termos e condições regem o uso do Cliente pelo Serviço de Bancos Telefônicos OCBC, OCBC ATM Service, OCBC eAlerts Service andor OCBC Internet Banking Service (coletivamente, os Termos e Condições). 1. Serviço Bancário de Telefone da OCBC 1.1 Quando o Cliente solicita que o Serviço Bancário de Telefone da OCBC seja disponibilizado para a operação de qualquer Conta (s), o Banco poderá, a critério do Bankrsquos, disponibilizar o Serviço Bancário de Telefone da OCBC através da alocação de um Vocal Senha e um Código de Telefone e Número de Identificação Pessoal de Telefone (ldquoT-PINrdquo) que o Banco deverá notificar o Cliente. O Cliente concorda que o Serviço de Banca por Telefone da OCBC deve ser estendido ao Cliente de acordo com estes Termos e Condições ou outros termos e condições que o Banco possa notificar o Cliente de tempos em tempos. 1.2 O Cliente não deve revelar a Senha Vocal, o Código do Telefone ou o T-PIN para qualquer outra parte e deve tomar todas as medidas necessárias para evitar a divulgação da Senha Vocal, do Código do Telefone ou do T-PIN para qualquer outra parte. O Cliente deve manter a Senha Vocal segura e não deve permitir que a Senha Vocal seja usada por qualquer outra pessoa de forma alguma. Sem limitação à generalidade do acima, o Cliente não deve gravar ou permitir a gravação da Senha Vocal de qualquer forma para permitir que outra pessoa use a Senha Vocal. Além disso, o Cliente deve tomar todas as medidas necessárias para evitar o registro ou uso da Senha Vocal por qualquer outra parte. No caso de o Código de Telefone do Cliente ou o T-PIN ser divulgado ou descoberto por qualquer outra parte, o Cliente deverá alterar imediatamente o T-PIN. No caso de qualquer uso não autorizado da Senha Vocal do Cliente, o Cliente deve notificar imediatamente o Banco. 1.3 O Cliente autoriza o Banco a aceitar, seguir e atuar sobre todas as instruções quando identificado pela Senha vocal do Cliente, Código de Telefone e T-PIN, inclusive para produtos e serviços adicionais a serem disponibilizados ao Cliente e o Banco não será responsável Por agir de acordo com tais instruções de boa fé. O Banco não será responsável por agir de acordo com essas instruções nem será obrigado a investigar a autenticidade de tais instruções ou verificar a exatidão e exaustividade de tais instruções. Essas instruções devem ser consideradas irrevogáveis ​​e vinculativas para o Cliente no recebimento do Bankrsquos, apesar de qualquer erro, fraude, falsificação, falta de clareza ou mal entendido em relação aos termos dessas instruções. O Banco terá direito, mas não será obrigado a verificar as instruções fornecidas através do Serviço de Banca por Telefone da OCBC, fazendo uma chamada de volta ou qualquer outro meio. 1.4 O Cliente concorda com a gravação do Bankrsquos das chamadas telefônicas do Cliente ao Banco para fornecer um registro das instruções do Cliente. 1.5 O Cliente pode alterar o Cliente-T-PIN do Cliente de tempos em tempos. O Banco terá direito, no critério absoluto do Bankrsquos, de rejeitar qualquer número selecionado pelo Cliente como o T-PIN do Subsídio do Cliente, sem dar qualquer motivo. O T-PIN de substituição do Customerrsquos entrará em vigor após a confirmação do Bankrsquos e o uso do Cliente do mesmo será regido por estes Termos e Condições. Ao selecionar um T-PIN substituto, o Cliente deve abster-se de selecionar qualquer série de números consecutivos ou iguais ou similares ou qualquer série de números que possam ser facilmente verificáveis ​​ou identificáveis ​​com o Cliente. 1.6 O Banco terá direito ao critério absoluto do Bankrsquos para cancelar o uso da Senha vocal do Cliente, do Código do Telefone ou do T-PIN ou retirar, restringir, suspender, variar ou modificar o Serviço de Bancos Telefônicos OCBC (seja no todo ou em parte) em A qualquer momento sem aviso prévio e sem dar razão e o Banco não será responsável perante o Cliente por qualquer perda ou dano como resultado disso. 1.7 O Cliente será totalmente responsável por todas as transações executadas usando o Serviço de Bancos Telefônicos da OCBC e identificados pela Senha Vocal do Cliente, Código de Telefone e T-PIN. O Banco pode debitar a (s) Conta (s) com o valor de qualquer retirada ou transferência de acordo com o registro Bankrsquos de transações. Todas as transações decorrentes do uso do Serviço Bancário de Telefone da OCBC para operar conta (s) conjunta (s) designada (s) devem ser vinculativas para todos os titulares das Contas Conjuntas. 2.1 O Serviço ATM da OCBC permite ao Cliente ter acesso à (s) Conta (s) e a efetuar várias transações bancárias (que podem incluir, sem limitação, a retirada e depósito de fundos, pagamentos de contas e atualização de particulares) por meio de máquinas automáticas de depósito em dinheiro , Caixas automáticos, máquinas multifuncionais ou qualquer outro equipamento que o Banco possa designar para tais fins (cada um, um ldquoATMrdquo) e da forma como o Banco possa especificar, a seu critério absoluto, a qualquer momento, de tempos em tempos. Quando o Cliente solicita que o Serviço ATM da OCBC seja disponibilizado para a operação de qualquer Conta (s), o Banco poderá, a seu critério, fornecer ao Cliente um Cartão ATM e alocar um Número de Identificação Pessoal de ATM (ldquoATM-PINrdquo) que o O Banco deve notificar o Cliente. O Cliente concorda que o Serviço ATM da OCBC deve ser estendido ao Cliente de acordo com estes Termos e Condições ou outros termos e condições que o Banco possa notificar o Cliente de tempos em tempos. 2.2 O Cliente não deve revelar o criptografante ATM do Cliente para qualquer outra parte e deve tomar todas as providências necessárias para manter o Cartão ATM em um lugar seguro e evitar a divulgação do criptografante do Cliente para qualquer outra parte. No caso de o cartão ATM ser perdido, roubado ou perdido, ou o ATM-PIN do Customerrsquos for divulgado ou descoberto por qualquer outra parte, o Cliente deverá notificar imediatamente o Banco da perda e ou alterar imediatamente o QBR do Cliente. 2.3 O Cliente autoriza o Banco a aceitar, seguir e agir de acordo com todas as instruções quando identificado pelo Cartão ATM e o ATM-PIN do Customerrsquos ou por qualquer outra forma ou meio de identificação que possa ser especificado pelo Banco em seu absoluto critério em qualquer momento do tempo Ao tempo, inclusive para produtos e serviços adicionais a serem disponibilizados ao Cliente e o Banco não será responsável por agir de acordo com essas instruções de boa fé. Essas instruções devem ser consideradas irrevogáveis ​​e vinculativas para o Cliente no recebimento do Bankrsquos, apesar de qualquer erro, fraude, falsificação, falta de clareza ou mal entendido em relação a tais instruções. 2.4 O Cliente pode alterar o ATM-PIN do Customerrsquos de tempos em tempos. O Banco terá direito, no critério absoluto do Bankrsquos, de rejeitar qualquer número selecionado pelo Cliente como o ATM-PIN do Subsídio do Cliente, sem dar qualquer motivo. O ATM-PIN substituto do Customerrsquos terá efeito após a confirmação do Bankrsquos e o uso do Cliente do mesmo será regido por estes Termos e Condições. Ao selecionar um ATM-PIN substituto, o Cliente deve abster-se de selecionar qualquer série de números consecutivos ou iguais ou similares ou qualquer série de números que possam ser facilmente verificáveis ​​ou identificáveis ​​com o Cliente. 2.5 O Cartão ATM deve permanecer na propriedade do Bankrsquos e o Cliente deverá entregá-lo ao Banco mediante solicitação do Bankrsquos ou quando o Cliente não exigir mais este Serviço. O Cartão ATM não é transferível e só pode ser utilizado pelo Cliente. 2.6 O Banco terá o direito, a seu exclusivo critério, de cancelar, retirar, restringir, suspender, modificar ou modificar o uso, características e / ou instalações do Serviço ATM da OCBC (incluindo, sem limitação, o uso do Cartão ATM e do ATM-PIN) (seja em Total ou parcialmente) a qualquer momento, sem aviso prévio e sem qualquer motivo e o Banco não será responsável perante o Cliente por qualquer perda ou dano por sua causa. 2.7 O Cliente será totalmente responsável por todas as transações executadas através do Serviço ATM da OCBC (quer se trate do Cartão ATM ou do ATM-PIN do Cliente), incluindo, sem limitação, quaisquer funções de débito em determinados pontos de venda ou comerciantes, retiradas de dinheiro ou depósitos, Transferências de fundos e pagamentos. O Banco pode debitar a (s) Conta (s) com o valor de qualquer retirada ou transferência de acordo com o registro Bankrsquos de transações. Todas as transações decorrentes do uso do Serviço ATM da OCBC para operar conta (s) conjunta (s) designada (s) serão vinculativas para todos os detentores das Contas Conjuntas. 2.8 O Cliente concorda que o Banco não será responsável por qualquer perda ou dano que o Cliente possa sofrer como resultado do uso ou falha do Cliente pelo Serviço de ATM da OCBC (incluindo, sem limitação, qualquer retirada, depósito ou transferência de fundos infrutíferos , Pagamento ou qualquer falha no acesso à (s) Conta (s)). Em particular, o Banco não será, em caso algum, responsável se o Cartão ATM não for honrado ou se o Serviço ATM OCBC não estiver disponível, limitado ou afetado de qualquer forma por qualquer motivo, incluindo energia ou outra falha. Sem prejuízo da generalidade do acima exposto, o Banco pode impor um limite diário do valor que o Banco possa determinar de tempos em tempos sem aviso prévio ao Cliente no valor agregado máximo que pode ser retirado ou transferido da (s) Conta (s) Usando o cartão ATM durante qualquer dia ou outro período conforme determinado pelo Banco de tempos em tempos. 2.9 O Cliente aceita o registro Bankrsquos de transações como conclusivas e vinculativas para todos os fins. Sem prejuízo da generalidade do que precede, no caso de qualquer tentativa infrutada do Cliente de depositar dinheiro ou efetuar o pagamento em dinheiro (incluindo depósitos ou pagamentos parcialmente vencidos) em qualquer caixa eletrônico por qualquer motivo, a determinação do montante real do Bankrsquos (se Qualquer) depositado ou pago deve ser conclusivo e vinculativo para o Cliente. 2.10 O Cliente não deve usar ou tentar usar o Serviço ATM da OCBC para retirar ou transferir fundos da (s) Conta (s), a menos que o saldo disponível nas Contas seja suficiente para esse fim. 2.11 O Cliente concorda com a recolha, armazenamento, comunicação e processamento das informações de saldo da Conta (s) por qualquer meio necessário para que o Banco mantenha registros de transações e contas apropriados e a liberação, transmissão e retenção dos prestadores de serviços de Os detalhes da (s) Conta (s), ATM-PIN, informações de transações e outras informações para permitir o uso do Serviço de ATM da OCBC em um ATM ou ponto de venda (seja em Cingapura ou em outro lugar). 2A. Serviço ATM da OCBC (com efeitos a partir de 31 de janeiro de 2014) 2A.1 O Cliente está ciente de que o cartão ATM vem com a facilidade de valor armazenado NETS FlashPay mantida e operada pela Rede para Transferências Eletrônicas (Singapore) Ptd Ltd. 2A.2 O Cliente concorda Para dar permissão ao Banco para compartilhar informações sobre a conta Cliente ou Clientes, conforme considerado apropriado para NETS, outras pessoas que sejam necessárias para o uso da facilidade de valor armazenada. 2A.3 O Cliente concorda e usará o cartão ATM de acordo com os termos dos Termos e Condições da NETS que Governam o Uso do Nets FlashPay (disponível no nets. sg). 3. Serviço de Banca por Internet da OCBC 3.1 O Serviço de Banca por Internet da OCBC (que inclui, sem limitação, os serviços bancários móveis da OCBC, por qualquer nome designado e atualmente conhecido como Serviço de Banca Móvel da OCBC, mas não inclui os serviços bancários do telefone da OCBC, por Qualquer nome designado e atualmente conhecido como OCBC Phone Banking Service), permite que o Cliente tenha acesso à (s) Conta (s) e / ou efetue determinadas operações bancárias ou outras (incluindo, sem limitação, a transmissão de instruções ao Banco, a transferência de fundos, a conta Pagamentos) por meios eletrônicos através do uso de computadores pessoais ou outros dispositivos de acesso (incluindo, sem limitação, telefone celular, aparelhos eletrônicos e eletrônicos) (ldquoCustomer Terminalsrdquo). Quando o Cliente solicita que o Serviço de Banca por Internet da OCBC seja disponibilizado para a operação de qualquer Conta ou outra finalidade, o Banco poderá, a critério do Bankrsquos, atribuir um Código de Acesso à Internet da OCBC (ldquoICoderdquo) e o Número de Identificação Pessoal de Acesso à OCBC (LdquoIPINququo) que o Banco deve notificar ao Cliente. O Cliente pode ter acesso ao Serviço de Banca por Internet da OCBC e à Conta após a entrada correta do Código de Segurança do Cliente, IPIN e (quando aplicável a esse Cliente) no Terminal do Cliente relevante. O Cliente concorda que o Serviço de Banca por Internet da OCBC deve ser estendido ao Cliente de acordo com estes Termos e Condições ou outros termos e condições que o Banco possa notificar ao Cliente periodicamente. 3.2 O Cliente não deve revelar o ICord do Cliente e / ou IPIN para qualquer outra parte e deve tomar todas as medidas necessárias para evitar a divulgação do Customer Datequos ICode e / ou IPIN para qualquer outra parte. No caso de o Customerrsquos ICode andor IPIN ser divulgado ou descoberto por qualquer outra parte, o Cliente mudará imediatamente o mesmo. O Cliente concorda e reconhece que a Conta dos Clientes, a transação ou outras informações confidenciais podem ser visíveis em determinados Terminais do Cliente desde o momento em que o Cliente acessou o Serviço de Internet Bank da OCBC até que o Cliente interrompa o acesso ou exclua essas informações do Terminal do Cliente. O Cliente deve tomar as precauções necessárias para garantir que a Conta dos Clientes, a transação ou outra informação confidencial não seja visível por terceiros não autorizados (como não deixar os Terminais do Cliente desacompanhados). O Banco não será responsável por qualquer acesso não autorizado à Conta dos Clientes, transações ou outras informações confidenciais por parte de terceiros. 3.3 O Cliente concorda e reconhece que qualquer uso ou acesso ao Serviço Bancário da Internet da OCBC referente e quaisquer instruções identificadas pelo Código de Segurança do Cliente, IPIN e (quando aplicável a esse Cliente) (seja esse acesso ou uso de O Serviço de Internet Banking da OCBC, ou instrução, é autorizado pelo Cliente ou não) deve ser considerado, conforme o caso: (a) uso ou acesso ao Serviço de Banca por Internet OCBC pelo Cliente ou (b) instruções Transmitida ou validamente emitida pelo Cliente. O Cliente autoriza o Banco a aceitar, seguir e agir de acordo com todas as instruções atribuíveis ao Código de Segurança do Cliente, IPIN e (quando aplicável a esse Cliente) (independentemente de essas instruções serem realmente autorizadas pelo Cliente ou não), inclusive por adicionais Produtos e Serviços a serem disponibilizados ao Cliente, e o Banco não será responsável por agir de acordo com tais instruções de boa fé. O Banco não será responsável por agir de acordo com tais instruções nem será obrigado a investigar a autenticidade ou autoridade de tais pessoas que efetuam as instruções ou verifique a autenticidade, exatidão e integridade dessas instruções. Essas instruções devem ser consideradas irrevogáveis ​​e vinculativas para o Cliente no recebimento do Bankrsquos, não obstante qualquer erro, fraude, falsificação, falta de clareza ou mal entendido em relação aos termos de tais instruções e o Banco terá direito (mas não obrigado) a efetuar, Execute ou processe tais instruções sem o consentimento do Cliente e sem qualquer outra referência ou aviso prévio. O Banco terá direito, mas não será obrigado a verificar as instruções fornecidas através do Serviço de Internet Bank da OCBC por meios on-line ou por telefone. 3.4 O Cliente pode alterar o IC de Customerrsquos e / ou o IPIN de tempos em tempos. O Banco terá direito no critério absoluto do Bankrsquos de rejeitar qualquer número ou alfabeto selecionado pelo Cliente como o substituto do Cliente e ICIN e IPIN sem qualquer motivo. O ICode e o IPIN substituto do Customerrsquos terão efeito após a confirmação do Bankrsquos e o uso do Customerrsquos deve ser regido por estes Termos e Condições. Ao selecionar um ICode de substituição e / ou IPIN, o Cliente deve abster-se de selecionar qualquer série de números ou alfabetos consecutivos ou iguais ou qualquer série de números ou alfabetos que possam facilmente ser verificáveis ​​ou identificáveis ​​com o Cliente. 3.5 O Banco terá direito no critério absoluto do Bankrsquos para cancelar o uso do Customer Datequos ICode e / ou IPIN e retirar, restringir, suspender, variar ou modificar o Serviço de Internet Bank da OCBC (seja no todo ou em parte) e ou o (s) modo (s) Métodos (s) ou canal (es) disponíveis para acessar o Serviço de Internet Bank da OCBC a qualquer momento sem aviso prévio e sem dar qualquer motivo e o Banco não será responsável perante o Cliente por qualquer perda ou dano como resultado disso. 3.6 O Cliente será totalmente responsável por todas as transações executadas usando o Serviço de Banca por Internet da OCBC e atribuíveis ao Código de Segurança do Cliente, IPIN e (quando aplicável a esse Cliente) (se tais transações executadas usando o Serviço Bancário da OCBC foram autorizadas pela Cliente ou não), que deve ser vinculativo para o Cliente. O Banco pode debitar a (s) Conta (s) com o valor de qualquer retirada ou transferência de acordo com o registro Bankrsquos de transações. Todas as transações decorrentes do uso do Serviço de Internet Banking da OCBC para operar conta (s) conjunta (s) designada (s) devem ser vinculativas para todos os titulares das Contas Conjuntas (se tais transações executadas usando o Serviço de Internet Bank da OCBC foram autorizadas por qualquer ou Titulares de conta ou não). 3.7 O Cliente será responsável por obter e usar o software necessário ou o equipamento necessário para obter acesso ao Serviço de Internet Bank da OCBC no próprio risco e despesa do Cliente. O Cliente também será responsável pelo desempenho e segurança (incluindo, sem limitação, tomar todas as medidas necessárias na medida razoavelmente possível para impedir o uso ou acesso não autorizado) de qualquer Terminal de Cliente usado pelo Cliente em conexão com o Serviço de Internet Bank da OCBC. O Cliente representa que os Terminais do Cliente através dos quais o acesso ao Serviço Bancário da Internet da OCBC podem ser efetuados estão livres de qualquer falha eletrônica, mecânica, de dados ou corrupção, vírus informáticos, bugs e outros softwares prejudiciais ou mal-intencionados de qualquer tipo ou software que seja Não autorizado pelo provedor de serviços de telecomunicações, ou pelo fabricante ou fornecedor do Terminal do Cliente relevante. O Cliente concorda que o Banco não é responsável por qualquer falha eletrônica, mecânica ou corrupção, vírus de computador, bugs e outros softwares prejudiciais ou maliciosos de qualquer tipo que possam ser atribuídos a serviços prestados por qualquer fornecedor relevante de serviços de internet ou provedor de serviços de informações. O Banco terá direito ao critério absoluto do Bankrsquos para atualizar, modificar ou alterar o site ou qualquer software (incluindo aplicativos móveis ou outros aplicativos) usado para acessar o Serviço de Banca por Internet da OCBC a qualquer momento sem aviso prévio e sem qualquer motivo. O Banco reserva-se o direito de não suportar qualquer versão anterior do software. O Cliente será o único responsável e responsável por todas as perdas e conseqüências decorrentes ou em conexão com qualquer falha do Cliente em cumprir com qualquer dos itens acima mencionados. Sem prejuízo da generalidade do exposto, se o Cliente não atualizar o software relevante ou usar a versão aprimorada do software, o Banco não será responsável pelas conseqüências que dele resultem. 3.8 O Cliente não deve usar correio eletrônico para enviar ou dar instruções ou instruções ao Banco. O Banco pode, mas não deve ser de qualquer forma obrigado, a agir sobre tais instruções de correio eletrônico ou instruções, a critério exclusivo e absoluto. 3.9 O Cliente aceita os registros Bankrsquos de transações como conclusivas e vinculativas para todos os fins. 3.10 O Cliente reconhece que todos os direitos de propriedade relacionados e em conexão com o Serviço de Internet Banking da OCBC (incluindo, sem limitação, o site da OCBC) e todas as atualizações, incluindo, sem limitação, títulos, direitos de marca, direitos de patente e direitos autorais devem, em todos os momentos, E permanecem investidos no Banco. 3.11 O Cliente entende que o site para acessar o Serviço de Internet Banking da OCBC pode conter links para sites controlados ou oferecidos por terceiros ou permitir o acesso a sites controlados ou oferecidos por terceiros. O Banco declina a responsabilidade por qualquer informação, materiais, produtos ou serviços postados ou oferecidos em qualquer um desses sites de terceiros. Ao criar um link ou permitir o acesso a esses sites de terceiros, o Banco não endossa nem recomenda nenhum produto ou serviço oferecido ou informações contidas nesses sites ou informações alimentadas por esses terceiros (incluindo, entre outras, cotações de ações E taxas de câmbio) nem o Banco é responsável por qualquer falha de produtos ou serviços oferecidos ou anunciados em qualquer um desses sites de terceiros. 3.12 O Cliente concorda que o Banco concedeu ao Cliente apenas uma licença não exclusiva para usar o software relacionado e em conexão com o Serviço de Internet Banking da OCBC. Isso permite que o Cliente use esse software apenas para os fins pretendidos, de acordo com o disposto a seguir. O Cliente não deve desmontar, compilar, copiar, modificar ou fazer engenharia reversa de qualquer software. Embora o Banco faça esforços razoáveis ​​para garantir que o Serviço de Banca por Internet da OCBC seja seguro e não possa ser acessado por terceiros não autorizados, o Banco não garante a segurança ou confidencialidade de qualquer informação transmitida através do Serviço de Internet Bank da OCBC ou qualquer serviço de internet relevante. fornecedor. 3.13 O Cliente concorda com a recolha, armazenamento, comunicação e processamento de qualquer informação de saldo da Conta (s) por qualquer meio necessário para que o Banco mantenha os registros de transações e contas adequados e a liberação, transmissão e retenção pelo relevante Prestadores de serviços de detalhes da (s) Conta (s), o Código de Cliente, IPIN, Código de Segurança, informações de transações e outras informações para permitir o uso do Serviço de Internet Bank da OCBC (seja em Cingapura ou em outro lugar). 3A. Dispositivos de Segurança e Códigos de Segurança 3A.1 Nestes Termos e Condições: (a) ldquoSecurity Coderdquo significa cada senha única gerada por um Dispositivo de Segurança ou telefone celular ou entregue através de Serviço de Mensagens Curtas (SMS), ou gerado ou entregue através de Qualquer outro dispositivo (incluindo, sem limitação, qualquer Terminal do Cliente), canal de entrega ou qualquer meio designado pelo Banco a qualquer momento, de cada vez, a critério único e absoluto e (b) ldquoSecurity Devicerdquo significa qualquer dispositivo designado pelo Banco, A qualquer momento, de tempos em tempos, a critério exclusivo e absoluto, para uso do Cliente para gerar e receber Códigos de Segurança. 3A.2 O Cliente deve cumprir todos os requisitos, instruções e especificações referentes aos Dispositivos de Segurança. Códigos de segurança e terminais de clientes (incluindo, sem limitação, quaisquer procedimentos de registro e ativação), conforme prescrito pelo Banco, a qualquer momento e de tempos em tempos, a critério exclusivo e absoluto. Sem prejuízo da generalidade do exposto, o Cliente deverá, em nenhum momento (i) ativar ou tentar ativar ou registrar um Dispositivo de Segurança emitido a outra pessoa para o ICode do Cliente ou (ii) permitir que um Dispositivo de Segurança emitido ao Cliente seja Ativado ou registrado no ICode de outra pessoa. 3A.3 O Cliente não deve revelar o Código de Segurança do Cliente para qualquer outra parte e deve tomar todas as medidas necessárias para evitar a divulgação do Código de Segurança do Cliente para qualquer outra parte. O Cliente deverá, em nenhum momento e em nenhuma circunstância, permitir que qualquer Dispositivo de Segurança emitido ao Cliente caia na posse ou sob o controle de qualquer outra pessoa. O Cliente será o único responsável e responsável por todas as perdas e conseqüências decorrentes ou em conexão com qualquer falha do Cliente em cumprir com qualquer dos itens acima mencionados. 3A.4 O Cliente deve notificar imediatamente o Banco (i) se um Dispositivo de Segurança emitido para o Cliente for perdido ou não funcionar como previsto, (ii) se o Cliente tiver algum conhecimento ou motivo para suspeitar que a segurança ou confidencialidade de qualquer Segurança O Código ou dispositivo de segurança ou o Terminal do Cliente utilizado pelo Cliente para a geração e ou recepção de Códigos de Segurança foi comprometido ou se houve qualquer uso não autorizado de qualquer Código de Segurança ou Dispositivo de Segurança ou tal Terminal de Cliente ou (iii) de qualquer perda, roubo , Substituição e mudança de número, conforme o caso, de qualquer telefone celular ou outro Terminal de Cliente ou outro dispositivo (conforme o caso) usado pelo Cliente para a geração e ou recepção de Códigos de Segurança. O Cliente será o único responsável e responsável por todas as perdas e conseqüências decorrentes ou em conexão com qualquer falha do Cliente em cumprir com qualquer dos itens acima mencionados. 3A.5 Quando um Dispositivo de Segurança emitido para o Cliente não funciona corretamente, a única obrigação do Bankrsquos em relação a esse Dispositivo de Segurança deve ser substituir o mesmo por um novo Dispositivo de Segurança mediante o pagamento pelo Cliente de uma taxa que será determinada pelo Banco em seu exclusivo e absoluto critério, salvo onde o Banco está satisfeito com o exclusivo e absoluto critério de que não há nenhum ato ou omissão contributiva na parte do Cliente que cause ou contribua com a falha do Security Devicersquos para funcionar corretamente. Onde um dispositivo de segurança é perdido pelo Cliente, o Banco pode substituir o mesmo mediante o pagamento pelo Cliente de uma taxa que será determinada pelo Banco a seu exclusivo e absoluto critério. 3A.6 Os Dispositivos de Segurança e os Códigos de Segurança são fornecidos em um ldquoas isrdquo e ldquoas availablerdquo base. O Banco não terá qualquer responsabilidade em relação a qualquer dispositivo de segurança. Código de Segurança ou outro dispositivo ou canal de entrega designado pelo Banco para uso para geração, entrega e / ou recebimento de Códigos de Segurança, incluindo, sem limitação, responsabilidade por violação de qualquer termo implícito quanto à qualidade satisfatória, comercialização ou adequação para fins e qualquer perda ou Danos incorridos ou sofridos decorrentes de qualquer falha do Cliente para manter a segurança ou usar o Dispositivo de Segurança, o Terminal do Cliente ou outro dispositivo de acordo com as instruções e outros termos do Banco. Nenhuma garantia de qualquer tipo, implícita, expressa ou estatutária, incluindo, mas não limitado a, garantias de não violação de direitos de terceiros, título, comercialização, qualidade satisfatória ou adequação para um propósito específico, é dada em conjunto com os Dispositivos de Segurança, Códigos de Segurança ou outro dispositivo ou canal de entrega designado pelo Banco para uso para geração, entrega e / ou recebimento de Códigos de Segurança. 3A.7 O Banco terá direito, a seu exclusivo e absoluto critério, a qualquer momento, de tempos em tempos, cancelar sem aviso prévio a utilização, ou exigir a substituição ou modificação de qualquer Dispositivo de Segurança, Terminal do Cliente ou outro dispositivo ou canal de entrega designado por O Banco para uso para a geração, entrega e recepção de Códigos de Segurança sem dar qualquer motivo e o Banco não será responsável perante o Cliente por qualquer perda ou dano como resultado disso. 3A.8 Todos os Dispositivos de Segurança fornecidos ao Cliente são e continuarão a ser propriedade do OCBC Bank e o Cliente devolverá todos os Dispositivos de Segurança prontamente, mediante solicitação do Banco OCBC ou após cancelamento ou rescisão do Serviço Bancário da OCBC. Os dispositivos de segurança não devem ser alterados, adulterados, desmontados ou de qualquer forma copiados ou modificados, e não devem ser tratados ou explorados de forma alguma. 3A.9 Não obstante qualquer outra convenção em contrário, o Cliente, por meio deste, aceita que o Banco divulgue qualquer informação relativa ao Cliente ou à Conta Customerrsquos a qualquer das subsidiárias, agências, correspondentes, agências e escritórios de representação do Bankrsquos, que tenha um Objetivo comercial legítimo para a obtenção de tais informações, incluindo, sem limitação, a oferta dos produtos ou serviços do Cliente envolvendo o uso de qualquer Dispositivo de Segurança ou Código de Segurança. 3B. Serviço de Notificação de Alerta OCBC 3B.1 O Banco em suas discreções pode fornecer o Serviço de Notificação de Alerta OCBC (que inclui, sem limitação, o Serviço OCA eAlerts (ou, seja qual for o nome designado para o futuro) por meio de correio eletrônico, fac-símile, SMS ou Outros meios de comunicação que o Banco considere apropriados. 3B.2 O escopo e os recursos do Serviço de Notificação de Alertas OCBC devem ser determinados ou especificados pelo Banco de tempos em tempos. O Banco terá o direito de modificar, expandir ou reduzir o OCBC Alert Notification Service at any time and from time to time without notice as the Bank may deem fit without assigning any reason therefore. 3B.3 Any notification provided by the Bank under the OCBC Alert Notification Service shall be transmitted or otherwise made available to the Customer at such times as the Bank may reasonably deem fit. 3B.4 The Bank may contract with one or more third parties to provide, maintain or host the OCBC Alert Notification Service. The Customer a cknowledges that, in providing the OCBC Alert Notification Service, the Bank will have to release and transmit the Customerrsquos information (including information relating to the Customerrsquos account(s) with the Bank) to such third parties. The Customer hereby agrees and consents to such release and transmission of its information to such third parties. The Customer further acknowledges that its information may be placed and stored in servers outside the Bankrsquos control and agrees that the Bank shall have no liability or responsibility for such storage. 3B.5 A notification under the OCBC Alert Notification Service shall be considered to be sent by the Bank upon the broadcast of the notification by the third party to the contact particulars designated by the Customer for the purposes of the OCBC Alert Notification Service, regardless of whether such notification is actually received by the Customer. The Bank does not guarantee receipt of any notification under the OCBC Alert Notification Service by the Customer and the Customer understands and agrees that the Customerrsquos use of the OCBC Alert Notification Service is at the Customerrsquos own risk. 3B.6 The Customer shall notify the Bank immediately of any change in its contact particulars designated by the Customer for the purposes of the OCBC Alert Notification Service. Where the Customer fails to inform the Bank of such change, the Bank shall not be responsible for any loss, damage or other consequence which the Customer may suffer as a result of any notification being sent to the Customerrsquos latest designated contact particulars in the Bankrsquos records. 3B.7 All references to a time of day in any notification sent by the Bank under the OCBC Alert Notification Service are to Singapore time (unless otherwise specified by the Bank). 3B.8 All notifications under the OCBC Alert Notification Service shall be from the Bank to the Customer only and the Customer should never attempt to communicate with the Bank by directing any communication to the senderrsquos contact number, address or other particulars which may be indicated on the notification. 3B.9 The Customer agrees that the Bank, its directors, officers, employees and agents are not responsible for any losses or damages, including legal fees, that may arise, directly or indirectly, in whole or in part, from: (a) the non-delivery, delayed delivery, or the misdirected delivery of a notification under the OCBC Alert Notification Service (b) any inaccurate or incomplete content in a notification under the OCBC Alert Notification Service or (c) the reliance by the Customer on or use of the information provided in a notification under the OCBC Alert Notification Service for any purpose. 3C. OCBC Online Security Guarantee 3C.1 Without any admission of liability under any other provision of these Terms and Conditions, the Bank guarantees a full refund of any money that has transferred from a Customerrsquos Account via the OCBC Internet Banking Service and the OCBC Mobile Banking Service, due to online fraud perpetrated by way of malicious software or viruses, subject to this Clause 3C (the Guarantee). 3C.2 The Customer can only make a claim on the Bank under the Guarantee provided the following conditions have been complied with:- (a)The Customer has kept his Security Code and Security Device (his 2- factor authentication token) completely confidential and secure at all times. (b) The Customer has not given his security details (including, his Access Code, PIN, Security Code and Security Device) to any third party persons or websites. (c) The Customer equips hisher personal computer, mobile devices andor other Customer Terminal with the latest anti-virus, anti-malware and firewall software available and the installed software is regularly updated and run with latest anti-virus signatures. (d) The Customer does not jailbreak, root or modify hisher mobile device andor other Customer Terminal, or install illegitimate applications as this may render the device more prone to viruses and malware. (e) The Customer updates the Bank immediately when there is a change in contact details such as mobile number and email address, for the purposes of receiving SMS alerts or e-mail notifications for online banking transactions and activities. (f) In the circumstance where the Customer receives SMS or email alert(s) or notification(s) for transactions which heshe did not perform or is alerted on a change of daily withdrawal limit or the adding of a beneficiary for transfer to an account which is not authorised by the Customer, the Customer must inform the Bank immediately by calling the Bankrsquos customer service hotline. (g) The Customer does not use account services offered by third parties (other than OCBC) to access his banking accounts with OCBC (including account aggregation services provided by other financial institutions) (h) The Customer only downloads the OCBC Mobile Banking application from OCBC-designated sources. (i) The Customer has complied with all (and is not in breach of) his obligations under the OCBC Terms amp Conditions Governing Deposit Accounts and these Terms and Conditions. (j) The Customer has adhered to and complied with the safe security practices required by the Bank (described on Safeguarding Your Online Banking Access ) (k) The Customer monitors his record of transactions regularly, and reports discrepancies to the Bank within 14 days from the date of his Statement of Account. (l) The Customer informs the Bank the instant he is aware of any suspected fraud through his Account, including any compromise or loss of his Access Code, PIN, Security Code, Security Device and Customer Terminal. (m) The Customer furnishes the Bank all information requested by the Bank and provides his full co-operation to the Bank, including working with relevant authorities. (n) The Customer complies with any and all of the procedures, requirements, restrictions, instructions or any additional conditions from the Bank pertaining to the access and use of the OCBC Internet Banking Service and the OCBC Mobile Banking Service as may be issued by OCBC from time to time andor posted on-line. 3C.3. The Guarantee does not apply to the following:- (a) wealth management investment accounts and OCBC securities trading services (b) transactions which were carried out with the knowledge and consent of the Customer, or transactions where the Customer has acted fraudulently, dishonestly or in a criminal manner, alone or with others (c) capital gains, income and profits of any kind that might have been earned on any transaction that could not be completed as a consequence of the fraud (d) any direct, indirect, incidental, punitive, special or consequential damages or economic loss, loss of profits, legal fees or loss of opportunity whatsoever caused and (e) loss of any interest, foreign exchange losses, overdraft charges and returned cheque fees that may incur. 3C.4. The Guarantee may be suspended or withdrawn immediately by the Bank at any time by notice in writing. 4.1 Interpretation Application of Other Terms (a) Where Products are made available to the Customer by the Bank on separate terms, those terms shall be read in conjunction with these Terms and Conditions. In the event of any conflict, the specific terms applicable to the relevant Products shall prevail. (b) These Terms and Conditions shall be read in conjunction with the OCBC Terms and Conditions Governing Deposit Accounts. In the event of any conflict, these Terms and Conditions shall prevail over the Terms and Conditions Governing Deposit Accounts. (c) The Customer is required to follow such notices, guidelines and other instructions (such as operating rules and policies) relating to the use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and OCBC Alert Notification Service as the Bank may issue from time to time. The OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and OCBC Alert Notification Service are provided ldquoas isrdquo and ldquoas availablerdquo. Except as otherwise expressly stated, no implied or statutory warranties, including but not limited to the warranties of accuracy, adequacy, completeness, non-infringement, timeliness, quality, merchantability, currency, reliability, performance, satisfactory quality, fitness for a particular purpose or continued availability, are given in conjunction with the said Services. The Bank shall not be liable for and the Customer shall indemnify the Bank and keep the Bank indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by the Bank in providing the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service andor OCBC Alert Notification Service to the Customer, whether or not arising from or in connection with and including but not limited to the following: (a) the Bank taking any instructions and acting upon them (b) the improper or unauthorised use of or access to the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service, the Customerrsquos Vocal Password, Phone Code, T-PIN, ATM Card, ATM-PIN, ICode, IPIN, OCBC Alert Notification Service, Customer Terminal, Security Code andor Security Device (c) any damage to (i) any OCBC ATM as a result of any improper or unauthorised use b y the Customer or (ii) the Customer Terminals, related facilities or software as a result of access to the OCBC Internet Banking Service, or any loss of or damage to any Security Device (d) any act or omission by any relevant internet service provider (e) any delay or failure in any transmission, despatch or communication facilities (f) any access (or inability or delay in accessing) andor use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Alert Notification Service andor any browser to allow access to the OCBC Internet Banking Service or for any defect in any such browser or (g) any unauthorised access to the Customers Account, transaction or other confidential information by any third parties. 4.3 Communications with the Customer 4.3.1 The Customer shall notify the Bank in writing (or, in such other mode(s) andor methods agreed by the Bank from time to time) of any change in the Customerrsquos particulars. 4.3.2 Any statement, advice, confirmation, notice, demand and all other correspondence by the Bank under these Terms and Conditions (the ldquoCorrespondencerdquo) shall be served on the Customer:- (a) (where the Customer is an individual) on the Customer (or the Customerrsquos personal representatives) personally or (where the Customer is a corporation or partnership) on any of the Customerrsquos officers or partners personally (b) by sending it to the Customer or to any of the Customerrsquos officers or partners (as the case may be) at the Customerrsquos last address registered with the Bank or (c) by telex or facsimile addressed in any such manner as aforesaid to the Customerrsquos telex or facsimile address last registered with the Bank. The Correspondence shall be deemed to have been delivered on the day it was delivered personally or transmitted by telex or facsimile or if sent by post on the day following posting. 4.3.3 In the case of Joint Accounts, any notice served in accordance herewith on one of the Customers shall be deemed validly served on all the Customers. 4.4.1 The Bank may at any time at its absolute discretion and upon written notice to the Customer, amend any one or more of these terms and conditions. Such amendment(s) shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice. 4.4.2 Where the Customer continues to use the Service(s) after such notification, the Customer shall be deemed to have agreed with and accepted the amendments. If the Customer does not accept any such amendments, the Customer shall forthwith discontinue use of the Service(s). 4.4.3 In the event that the Bank decides in its absolute discretion to discontinue the provision of any of the Services governed by these terms and conditions permanently, the Bank shall give written notice of such discontinuation to the Customer. Such discontinuation shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice. 4.4.4 The Bank may notify the Customer of any changes to these terms and conditions by:- (a) publishing such changes in the statements of account to be sent to the Customer (b) displaying such changes at the Bankrsquos branches or ATMs (c) posting such changes on the Bankrsquos website (d) electronic mail or letter (e) publishing such changes in any newspapers or (f) such other means of communication as the Bank may determine in its absolute discretion. No failure or delay by the Bank in exercising or enforcing any right or option under these Terms and Conditions shall operate as a waiver thereof or limit, prejudice or impair the Bankrsquos right to take any action or to exercise any right as against the Customer or render the Bank responsible for any loss or damage arising therefrom. If any one or more of the provisions in these Terms and Conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions shall not in any way be affected or impaired. 4.7 Third Party Rights A person who is not a party to any agreement governed by these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these Terms and Conditions. 4.8 Applicable Law and Jurisdiction These Terms and Conditions shall be governed and construed in all respects in accordance with the laws of the Republic of Singapore but in enforcing these Terms and Conditions the Bank is at liberty to initiate and take actions or proceedings or otherwise against the Customer in the Republic of Singapore or elsewhere as the Bank may deem fit, and the Customer hereby agrees that where any actions or proceedings are initiated and taken in the Republic of Singapore, the Customer shall submit to the jurisdiction of the Courts of the Republic of Singapore in all matters connected with the Customerrsquos obligations and liabilities under or arising out of these Terms and Conditions. Updated as of 29 March 2016 These terms and conditions govern the Customers use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC eAlerts Service andor OCBC Internet Banking Service (collectively, the Terms and Conditions). 1. OCBC Phone Banking Service 1.1 Where the Customer requests for OCBC Phone Banking Service to be made available for the operation of any Account(s), the Bank may at the Bankrsquos discretion make available the OCBC Phone Banking Service through the allocation of a Vocal Password andor a Phone Code and Telephone Personal Identification Number (ldquoT-PINrdquo) which the Bank shall notify the Customer. The Customer agrees that OCBC Phone Banking Service shall be extended to the Customer in accordance with these Terms and Conditions or such other terms and conditions which the Bank may notify the Customer from time to time. 1.2 The Customer shall not reveal the Vocal Password, Phone Code andor T-PIN to any other party and shall take all necessary steps to prevent disclosure of the Vocal Password, Phone Code andor T-PIN to any other party. The Customer shall keep the Vocal Password secure and shall not allow the Vocal Password to be used by any other party in any way whatsoever. Without limitation to the generality of the above, the Customer shall not record or permit recording of the Vocal Password in any way to enable another party to use the Vocal Password. Further, the Customer shall take all necessary steps to prevent recording or use of the Vocal Password by any other party. In the event the Customerrsquos Phone Code andor T-PIN is disclosed or discovered by any other party, the Customer shall immediately change the T-PIN. In the event of any unauthorised use of the Customerrsquos Vocal Password, the Customer shall immediately notify the Bank. 1.3 The Customer authorises the Bank to accept, follow and act upon all instructions when identified by the Customerrsquos Vocal Password, Phone Code and T-PIN, including for additional Products and Services to be made available to the Customer and the Bank shall not be liable for acting upon such instructions in good faith. The Bank shall neither be liable for acting upon such instructions nor be obliged to investigate the authenticity of such instructions or verify the accuracy and completeness of such instructions. Such instructions shall be deemed irrevocable and binding upon the Customer upon the Bankrsquos receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of the terms of such instructions. The Bank shall be entitled but shall not be obliged to verify any instructions given via OCBC Phone Banking Service by calling back or any other means. 1.4 The Customer consents to the Bankrsquos recording of the Customer telephone calls to the Bank to provide a record of the Customerrsquos instructions. 1.5 The Customer may change the Customerrsquos T-PIN from time to time. The Bank shall be entitled at the Bankrsquos absolute discretion to reject any number selected by the Customer as the Customerrsquos substitute T-PIN without giving any reason therefor. The Customerrsquos substitute T-PIN shall take effect upon the Bankrsquos confirmation and the Customerrsquos use therefrom shall be governed by these Terms and Conditions. When selecting a substitute T-PIN, the Customer shall refrain from selecting any series of consecutive or same or similar numbers or any series of numbers that may easily be ascertainable or identifiable with the Customer. 1.6 The Bank shall be entitled at the Bankrsquos absolute discretion to cancel the use of the Customerrsquos Vocal Password, Phone Code andor T-PIN andor withdraw, restrict, suspend, vary or modify OCBC Phone Banking Service (whether in whole or in part) at any time without notice and without giving reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof. 1.7 The Customer shall be wholly responsible for all transactions executed using OCBC Phone Banking Service and identified by the Customerrsquos Vocal Password, Phone Code and T-PIN. The Bank may debit the Account(s) with the amount of any withdrawal or transfer in accordance with the Bankrsquos record of transactions. All transactions arising from the use of OCBC Phone Banking Service to operate designated Joint Account(s) shall be binding on all the Joint Account(s) holders. 2.1 The OCBC ATM Service enables the Customer to have access to the Account(s) andor to effect various banking transactions (which may include, without limitation, the withdrawal and deposit of funds, bill payments and update of particulars) via automated cash deposit machines, automated teller machines, multi-functional machines andor any other equipment as the Bank may designate for such purposes (each, an ldquoATMrdquo) and in such manner as the Bank may specify in its absolute discretion at any time from time to time. Where the Customer requests for the OCBC ATM Service to be made available for the operation of any Account(s), the Bank may at its discretion provide the Customer with an ATM Card and allocate an ATM Personal Identification Number (ldquoATM-PINrdquo) which the Bank shall notify the Customer. The Customer agrees that the OCBC ATM Service shall be extended to the Customer in accordance with these Terms and Conditions or such other terms and conditions which the Bank may notify the Customer from time to time. 2.2 The Customer shall not reveal the Customerrsquos ATM-PIN to any other party and shall take all necessary steps to keep the ATM Card in a safe place and to prevent disclosure of the Customerrsquos ATM-PIN to any other party. In the event the ATM Card is lost, stolen or mislaid, or the Customerrsquos ATM-PIN is disclosed or discovered by any other party, the Customer shall immediately notify the Bank of the loss andor to immediately change the Customerrsquos ATM-PIN. 2.3 The Customer authorises the Bank to accept, follow and act upon all instructions when identified by the Customerrsquos ATM Card and ATM-PIN or such other form or means of identification as may be specified by the Bank in its absolute discretion at any time from time to time, including for additional Products and Services to be made available to the Customer and the Bank shall not be liable for acting upon such instructions in good faith. Such instructions shall be deemed irrevocable and binding upon the Customer upon the Bankrsquos receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of such instructions. 2.4 The Customer may change the Customerrsquos ATM-PIN from time to time. The Bank shall be entitled at the Bankrsquos absolute discretion to reject any number selected by the Customer as the Customerrsquos substitute ATM-PIN without giving any reason therefor. The Customerrsquos substitute ATM-PIN shall take effect upon the Bankrsquos confirmation and the Customerrsquos use therefrom shall be governed by these Terms and Conditions. When selecting a substitute ATM-PIN, the Customer shall refrain from selecting any series of consecutive or same or similar numbers or any series of numbers which may easily be ascertainable or identifiable with the Customer. 2.5 The ATM Card shall remain the Bankrsquos property and the Customer shall surrender it to the Bank upon the Bankrsquos request or where the Customer no longer requires this Service. The ATM Card is not transferable and may only be used by the Customer. 2.6 The Bank shall be entitled at its absolute discretion to cancel, withdraw, restrict, suspend, vary or modify the use, features andor facilities of the OCBC ATM Service (including without limitation use of the ATM Card and ATM-PIN) (whether in whole or in part) at any time from time to time without notice and without giving any reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof. 2.7 The Customer shall be wholly responsible for all transactions executed via the OCBC ATM Service (whether or not using the ATM Card or the Customerrsquos ATM-PIN) including without limitation any debit functions at certain points of sale or merchants, cash withdrawals or deposits, funds transfers and payments. The Bank may debit the Account(s) with the amount of any withdrawal or transfer in accordance with the Bankrsquos record of transactions. All transactions arising from the use of the OCBC ATM Service to operate designated Joint Account(s) shall be binding on all Joint Account(s) holders. 2.8 The Customer agrees that the Bank shall not be liable for any loss or damage which the Customer may suffer as a result of the Customerrsquos use of or failure to obtain the OCBC ATM Service (including without limitation any unsuccessful withdrawal, deposit or transfer of funds, payment, or any failure to access the Account(s)). In particular, the Bank shall under no circumstances be liable if the ATM Card is not honoured or if the OCBC ATM Service is unavailable, limited or affected in any way for any reason whatsoever including power or other failure. Without prejudice to the generality of the foregoing, the Bank may impose a daily limit of such amount as the Bank may determine from time to time without notice to the Customer on the maximum aggregate amount that may be withdrawn or transferred from the Account(s) using the ATM Card during any day or other period as determined by the Bank from time to time. 2.9 The Customer accepts the Bankrsquos record of transactions as conclusive and binding for all purposes. Without prejudice to the generality of the foregoing, in the event of any unsuccessful attempt by Customer to deposit cash or make cash payment (including partially successful deposits or payments) at any ATM for any reason whatsoever, the Bankrsquos determination of the actual amount (if any) deposited or paid shall be conclusive and binding on the Customer. 2.10 The Customer shall not use or attempt to use the OCBC ATM Service to withdraw or transfer funds from the Account(s) unless the available balance(s) in the Accounts isare sufficient for this purpose. 2.11 The Customer consents to the collection, storage, communication and processing of the Account(s) balance information by any means necessary for the Bank to maintain appropriate transaction and account records and to the release and transmission to and the retention by the service providers of the details of the Account(s), ATM-PIN, transaction information and other information to enable the Customerrsquos use of the OCBC ATM Service at an ATM or point of sale (whether in Singapore or elsewhere). 2A. OCBC ATM Service (with effect from 31 January 2014) 2A.1 The Customer is aware that the ATM card comes with the NETS FlashPay stored value facility held and operated by Network for Electronic Transfers (Singapore) Ptd Ltd. 2A.2 The Customer agrees to give the Bank permission to share information about the Customer or Customers account as consider appropriate to NETS, other persons as may be necessary for the usage of the stored value facility. 2A.3 The Customer agrees to, and will use the ATM card according to, the terms of NETS Terms and Conditions Governing the Use of NETS FlashPay (available at nets. sg ). 3. OCBC Internet Banking Service 3.1 The OCBC Internet Banking Service (which includes, without limitation, the OCBC mobile banking services, by whatever name designated and presently known as the OCBC Mobile Banking Service, but does not include the OCBC phone banking services, by whatever name designated and presently known as the OCBC Phone Banking Service), enables the Customer to have access to the Account(s) andor to effect certain banking andor other transactions (including without limitation the transmission of instructions to the Bank, funds transfer, bill payments) by electronic means via the use of personal computers or other access devices (including without limitation mobile phone, television and electronic wearables) (ldquoCustomer Terminalsrdquo). Where the Customer requests for OCBC Internet Banking Service to be made available for the operation of any Account(s) or any other purpose, the Bank may at the Bankrsquos discretion allocate an OCBC Internet Access Code (ldquoICoderdquo) and OCBC Internet Access Personal Identification Number (ldquoIPINrdquo) which the Bank shall notify to the Customer. The Customer may gain access to OCBC Internet Banking Service andor the Account upon the correct input of the Customerrsquos ICode, IPIN and (where applicable to such Customer) Security Code into the relevant Customer Terminal. The Customer agrees that the OCBC Internet Banking Service shall be extended to the Customer in accordance with these Terms and Conditions or such other terms and conditions which the Bank may notify to the Customer from time to time. 3.2 The Customer shall not reveal the Customerrsquos ICode andor IPIN to any other party and shall take all necessary steps to prevent disclosure of the Customerrsquos ICode andor IPIN to any other party. In the event the Customerrsquos ICode andor IPIN is disclosed to or discovered by any other party, the Customer shall immediately change the same. The Customer agrees and acknowledges that the Customers Account, transaction or other confidential information may be viewable on certain Customer Terminals from the time the Customer has accessed the OCBC Internet Banking Service until the Customer discontinues access to or deletes such information from the Customer Terminal. The Customer shall take the necessary precautions to ensure that the Customers Account, transaction or other confidential information is not viewable by unauthorised third parties (such as not leaving Customer Terminals unattended). The Bank shall not be liable for any unauthorised access to the Customers Account, transaction or other confidential information by any third parties. 3.3 The Customer agrees and acknowledges that any use of or access to the OCBC Internet Banking Service referable to, and any instructions identified by, the Customerrsquos ICode, IPIN and (where applicable to such Customer) Security Code (whether such access to or use of the OCBC Internet Banking Service, or instruction, is authorised by the Customer or not) shall be deemed to be, as the case may be: (a) use of or access to the OCBC Internet Banking Service by the Customer or (b) instructions transmitted or validly issued by the Customer. The Customer authorises the Bank to accept, follow and act upon all instructions that are attributable to the Customerrsquos ICode, IPIN and (where applicable to such Customer) Security Code (whether such instructions are actually authorised by the Customer or not), including for additional Products and Services to be made available to the Customer, and the Bank shall not be liable for acting upon such instructions in good faith. The Bank shall neither be liable for acting upon such instructions nor be obliged to investigate the authenticity or authority of such persons effecting the instructions or verify the authenticity, accuracy and completeness of such instructions. Such instructions shall be deemed irrevocable and binding on the Customer upon the Bankrsquos receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of the terms of such instructions and the Bank shall be entitled (but not obliged) to effect, perform or process such instructions without the Customerrsquos further consent and without any further reference or notice. The Bank shall be entitled but shall not be obliged to verify any instructions given via OCBC Internet Banking Service by online means or via telephone. 3.4 The Customer may change the Customerrsquos ICode andor IPIN from time to time. The Bank shall be entitled at the Bankrsquos absolute discretion to reject any number or alphabet selected by the Customer as the Customerrsquos substitute ICode andor IPIN without giving any reason therefor. The Customerrsquos substitute ICode andor IPIN shall take effect upon the Bankrsquos confirmation and the Customerrsquos use therefrom shall be governed by these Terms and Conditions. When selecting a substitute ICode andor IPIN, the Customer shall refrain from selecting any series of consecutive or same or similar numbers or alphabets or any series of numbers or alphabets that may easily be ascertainable or identifiable with the Customer. 3.5 The Bank shall be entitled at the Bankrsquos absolute discretion to cancel the use of the Customerrsquos ICode andor IPIN andor withdraw, restrict, suspend, vary or modify the OCBC Internet Banking Service (whether in whole or in part) andor the mode(s), method(s) or channel(s) available for accessing the OCBC Internet Banking Service at any time without notice and without giving any reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof. 3.6 The Customer shall be wholly responsible for all transactions executed using the OCBC Internet Banking Service and attributable to the Customerrsquos ICode, IPIN and (where applicable to such Customer) Security Code (whether such transactions executed using the OCBC Internet Banking Service were authorised by the Customer or not), which shall be binding on the Customer. The Bank may debit the Account(s) with the amount of any withdrawal or transfer in accordance with the Bankrsquos record of transactions. All transactions arising from the use of the OCBC Internet Banking Service to operate designated Joint Account(s) shall be binding on all the Joint Account(s) holders (whether such transactions executed using the OCBC Internet Banking Service were authorised by any or all Joint Account holders or not). 3.7 The Customer shall be responsible for obtaining and using the necessary software andor equipment necessary to obtain access to the OCBC Internet Banking Service at the Customerrsquos own risk and expense. The Customer shall also be responsible for the performance and security (including without limitation taking all necessary measures to the extent reasonably possible to prevent unauthorised use or access) of any Customer Terminal used by the Customer in connection with the OCBC Internet Banking Service. The Customer represents that the Customer Terminals through which access to the OCBC Internet Banking Service may be effected are free from any electronic, mechanical, data failure or corruption, computer viruses, bugs andor other harmful or malicious software of any kind whatsoever andor software which is not authorised by the telecommunications service provider, or the manufacturer or vendor of the relevant Customer Terminal. The Customer agrees that the Bank is not responsible for any electronic, mechanical failure or corruption, computer viruses, bugs andor other harmful or malicious software of any kind whatsoever that may be attributable to services provided by any relevant internet service provider or information service provider. The Bank shall be entitled at the Bankrsquos absolute discretion to upgrade, modify or alter the web-site or any software (including mobile applications or other applications) used for accessing OCBC Internet Banking Service at any time without notice and without giving any reason therefor. The Bank reserves the right not to support any prior version of software. The Customer shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by the Customer to comply with any of the foregoing. Without prejudice to the generality of the foregoing, if the Customer fails to upgrade the relevant software or to use the enhanced version of software, the Bank shall not be liable for the consequences resulting therefrom. 3.8 The Customer shall not use electronic mail to send or give instructions or directions to the Bank. The Bank may, but shall not be in any way obliged to, act on any such electronic mail instructions or directions in its sole and absolute discretion. 3.9 The Customer accepts the Bankrsquos records of transactions as conclusive and binding for all purposes. 3.10 The Customer acknowledges that all proprietary rights relating to and in connection with the OCBC Internet Banking Service (including without limitation the OCBC website) and all updates thereof, including without limitation title, trade mark rights, patent rights and copyright shall at all times vest and remain vested in the Bank. 3.11 The Customer understands that the web-site for accessing OCBC Internet Banking Service may contain links to web-sites controlled or offered by third parties or enable access to web-sites controlled or offered by third parties. The Bank hereby disclaims liability for any information, materials, products or services posted or offered at any of these third party web-sites. By creating a link or enabling access to these third party web-sites, the Bank does not endorse or recommend any product or service offered or information contained on those web-sites or information fed by these third parties (including but not limited to stock quotes and foreign exchange rates) nor is the Bank liable for any failure of products or services offered or advertised at any of these third party web-sites. 3.12 The Customer agrees that the Bank has granted the Customer only a non-exclusive licence to use the software relating to and in connection with the OCBC Internet Banking Service. This allows the Customer to use such software only for its intended purposes as provided hereunder. The Customer shall not disassemble, de-compile, copy, modify or reverse engineer any such software. Although the Bank shall use reasonable endeavours to ensure that the OCBC Internet Banking Service is secure and cannot be accessed by unauthorized third parties, the Bank does not warrant the security or confidentiality of any information transmitted through the OCBC Internet Banking Service or any relevant internet service provider. 3.13 The Customer consents to the collection, storage, communication and processing of any of the Account(s) balance information by any means necessary for the Bank to maintain appropriate transaction and account records and to the release and transmission to and the retention by the relevant service providers of details of the Account(s), the Customerrsquos ICode, IPIN, Security Code, transaction information and other information to enable the Customerrsquos use of the OCBC Internet Banking Service (whether in Singapore or elsewhere). 3A. Security Devices and Security Codes 3A.1 In these Terms and Conditions: (a) ldquoSecurity Coderdquo means each one-time password generated by a Security Device or mobile phone or delivered via Short Message Service (SMS), or otherwise generated by or delivered via any other device (including without limitation any Customer Terminal), delivery channel or any means whatsoever, designated by the Bank at any time from time to time in its sole and absolute discretion and (b) ldquoSecurity Devicerdquo means any device designated by the Bank, at any time from time to time in its sole and absolute discretion, for use by the Customer to generate andor receive Security Codes. 3A.2 The Customer shall comply with all requirements, instructions and specifications relating to Security Devices. Security Codes andor Customer Terminals (including without limitation any registration and activation procedures) as may be prescribed by the Bank at any time and from time to time in its sole and absolute discretion. Without prejudice to the generality of the foregoing, the Customer shall at no time (i) activate or attempt to activate or register a Security Device issued to another person to the Customerrsquos ICode or (ii) permit a Security Device issued to the Customer to be activated or registered to the ICode of another person. 3A.3 The Customer shall not reveal the Customerrsquos Security Code to any other party and shall take all necessary steps to prevent disclosure of the Customerrsquos Security Code to any other party. The Customer shall at no time and under no circumstances permit any Security Device issued to the Customer to fall into the possession or under the control of any other person. The Customer shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by the Customer to comply with any of the foregoing. 3A.4 The Customer shall immediately notify the Bank (i) if a Security Device issued to Customer is lost or fails to function as intended, (ii) if the Customer has any knowledge or reason for suspecting that the security or confidentiality of any Security Code or Security Device or Customer Terminal used by the Customer for the generation andor reception of Security Codes has been compromised or if there has been any unauthorised use of any Security Code or Security Device or such Customer Terminal or (iii) of any loss, theft, replacement andor change of number, as the case may be, of any mobile phone or other Customer Terminal or other device (as the case may be) used by the Customer for the generation andor reception of Security Codes. The Customer shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by the Customer to comply with any of the foregoing. 3A.5 Where a Security Device issued to the Customer fails to function properly, the Bankrsquos only obligation in respect of such Security Device shall be to replace the same with a new Security Device upon payment by Customer of a fee which shall be determined by the Bank in its sole and absolute discretion, save where the Bank is satisfied in its sole and absolute discretion that there is no contributory act or omission on the Customerrsquos part causing or contributing to the Security Devicersquos failure to function properly. Where a Security Device is lost by the Customer, the Bank may replace the same upon payment by Customer of a fee which shall be determined by the Bank in its sole and absolute discretion. 3A.6 The Security Devices and the Security Codes are provided on an ldquoas isrdquo and ldquoas availablerdquo basis. The Bank shall have no liability in relation to any Security Device. Security Code or other device or delivery channel designated by the Bank for use for the generation, delivery andor receipt for Security Codes including, without limitation, liability for breach of any implied term as to satisfactory quality, merchantability or fitness for purpose and any loss or damages incurred or suffered arising from any failure by the Customer to keep secure andor use the Security Device, Customer Terminal or other device in accordance with any instructions and other terms of the Bank. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, satisfactory quality or fitness for a particular purpose, is given in conjunction with the Security Devices, Security Codes or other device or delivery channel designated by the Bank for use for the generation, delivery andor receipt for Security Codes. 3A.7 The Bank shall be entitled at its sole and absolute discretion at any time from time to time to cancel without notice the use, or require the replacement or modification, of any Security Device, Customer Terminal or other device or delivery channel designated by the Bank for use for the generation, delivery andor reception of Security Codes without giving any reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof. 3A.8 All Security Devices provided to the Customer are and shall remain the property of OCBC Bank and the Customer shall return all Security Devices promptly upon request by OCBC Bank or upon cancellation or termination of OCBC Internet Banking Service. Security Devices must not be altered, tampered with, disassembled or in any way copied or modified, and must not be dealt with or exploited in any way. 3A.9 Notwithstanding any other agreement to the contrary, the Customer hereby consents for the Bank to disclose any information relating to the Customer or the Customerrsquos Account to any of the Bankrsquos subsidiaries, branches, agents, correspondents, agencies and representative offices which has a legitimate business purpose for obtaining such information, including without limitation offering the Customer products or services involving the use of any Security Device or Security Code. 3B. OCBC Alert Notification Service 3B.1 The Bank at its discretions may provide the OCBC Alert Notification Service (which includes, without limitation, the OCBC eAlerts Service (or by whatever name designated to it in the future) through electronic mail, facsimile, SMS or such other media as the Bank may deem appropriate. 3B.2 The scope and features of the OCBC Alert Notification Service shall be as determined or specified by the Bank from time to time. The Bank shall be entitled to modify, expand or reduce the OCBC Alert Notification Service at any time and from time to time without notice as the Bank may deem fit without assigning any reason therefore. 3B.3 Any notification provided by the Bank under the OCBC Alert Notification Service shall be transmitted or otherwise made available to the Customer at such times as the Bank may reasonably deem fit. 3B.4 The Bank may contract with one or more third parties to provide, maintain or host the OCBC Alert Notification Service. The Customer a cknowledges that, in providing the OCBC Alert Notification Service, the Bank will have to release and transmit the Customerrsquos information (including information relating to the Customerrsquos account(s) with the Bank) to such third parties. The Customer hereby agrees and consents to such release and transmission of its information to such third parties. The Customer further acknowledges that its information may be placed and stored in servers outside the Bankrsquos control and agrees that the Bank shall have no liability or responsibility for such storage. 3B.5 A notification under the OCBC Alert Notification Service shall be considered to be sent by the Bank upon the broadcast of the notification by the third party to the contact particulars designated by the Customer for the purposes of the OCBC Alert Notification Service, regardless of whether such notification is actually received by the Customer. The Bank does not guarantee receipt of any notification under the OCBC Alert Notification Service by the Customer and the Customer understands and agrees that the Customerrsquos use of the OCBC Alert Notification Service is at the Customerrsquos own risk. 3B.6 The Customer shall notify the Bank immediately of any change in its contact particulars designated by the Customer for the purposes of the OCBC Alert Notification Service. Where the Customer fails to inform the Bank of such change, the Bank shall not be responsible for any loss, damage or other consequence which the Customer may suffer as a result of any notification being sent to the Customerrsquos latest designated contact particulars in the Bankrsquos records. 3B.7 All references to a time of day in any notification sent by the Bank under the OCBC Alert Notification Service are to Singapore time (unless otherwise specified by the Bank). 3B.8 All notifications under the OCBC Alert Notification Service shall be from the Bank to the Customer only and the Customer should never attempt to communicate with the Bank by directing any communication to the senderrsquos contact number, address or other particulars which may be indicated on the notification. 3B.9 The Customer agrees that the Bank, its directors, officers, employees and agents are not responsible for any losses or damages, including legal fees, that may arise, directly or indirectly, in whole or in part, from: (a) the non-delivery, delayed delivery, or the misdirected delivery of a notification under the OCBC Alert Notification Service (b) any inaccurate or incomplete content in a notification under the OCBC Alert Notification Service or (c) the reliance by the Customer on or use of the information provided in a notification under the OCBC Alert Notification Service for any purpose. 3C. OCBC Online Security Guarantee 3C.1 Without any admission of liability under any other provision of these Terms and Conditions, the Bank guarantees a full refund of any money that has transferred from a Customerrsquos Account via the OCBC Internet Banking Service and the OCBC Mobile Banking Service, due to online fraud perpetrated by way of malicious software or viruses, subject to this Clause 3C (the Guarantee). 3C.2 The Customer can only make a claim on the Bank under the Guarantee provided the following conditions have been complied with:- (a)The Customer has kept his Security Code and Security Device (his 2- factor authentication token) completely confidential and secure at all times. (b) The Customer has not given his security details (including, his Access Code, PIN, Security Code and Security Device) to any third party persons or websites. (c) The Customer equips hisher personal computer, mobile devices andor other Customer Terminal with the latest anti-virus, anti-malware and firewall software available and the installed software is regularly updated and run with latest anti-virus signatures. (d) The Customer does not jailbreak, root or modify hisher mobile device andor other Customer Terminal, or install illegitimate applications as this may render the device more prone to viruses and malware. (e) The Customer updates the Bank immediately when there is a change in contact details such as mobile number and email address, for the purposes of receiving SMS alerts or e-mail notifications for online banking transactions and activities. (f) In the circumstance where the Customer receives SMS or email alert(s) or notification(s) for transactions which heshe did not perform or is alerted on a change of daily withdrawal limit or the adding of a beneficiary for transfer to an account which is not authorised by the Customer, the Customer must inform the Bank immediately by calling the Bankrsquos customer service hotline. (g) The Customer does not use account services offered by third parties (other than OCBC) to access his banking accounts with OCBC (including account aggregation services provided by other financial institutions) (h) The Customer only downloads the OCBC Mobile Banking application from OCBC-designated sources. (i) The Customer has complied with all (and is not in breach of) his obligations under the OCBC Terms amp Conditions Governing Deposit Accounts and these Terms and Conditions. (j) The Customer has adhered to and complied with the safe security practices required by the Bank (described on Safeguarding Your Online Banking Access ) (k) The Customer monitors his record of transactions regularly, and reports discrepancies to the Bank within 14 days from the date of his Statement of Account. (l) The Customer informs the Bank the instant he is aware of any suspected fraud through his Account, including any compromise or loss of his Access Code, PIN, Security Code, Security Device and Customer Terminal. (m) The Customer furnishes the Bank all information requested by the Bank and provides his full co-operation to the Bank, including working with relevant authorities. (n) The Customer complies with any and all of the procedures, requirements, restrictions, instructions or any additional conditions from the Bank pertaining to the access and use of the OCBC Internet Banking Service and the OCBC Mobile Banking Service as may be issued by OCBC from time to time andor posted on-line. 3C.3. The Guarantee does not apply to the following:- (a) wealth management investment accounts and OCBC securities trading services (b) transactions which were carried out with the knowledge and consent of the Customer, or transactions where the Customer has acted fraudulently, dishonestly or in a criminal manner, alone or with others (c) capital gains, income and profits of any kind that might have been earned on any transaction that could not be completed as a consequence of the fraud (d) any direct, indirect, incidental, punitive, special or consequential damages or economic loss, loss of profits, legal fees or loss of opportunity whatsoever caused and (e) loss of any interest, foreign exchange losses, overdraft charges and returned cheque fees that may incur. 3C.4. The Guarantee may be suspended or withdrawn immediately by the Bank at any time by notice in writing. 4.1 Interpretation Application of Other Terms (a) Where Products are made available to the Customer by the Bank on separate terms, those terms shall be read in conjunction with these Terms and Conditions. In the event of any conflict, the specific terms applicable to the relevant Products shall prevail. (b) These Terms and Conditions shall be read in conjunction with the OCBC Terms and Conditions Governing Deposit Accounts. In the event of any conflict, these Terms and Conditions shall prevail over the Terms and Conditions Governing Deposit Accounts. (c) The Customer is required to follow such notices, guidelines and other instructions (such as operating rules and policies) relating to the use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and OCBC Alert Notification Service as the Bank may issue from time to time. The OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and OCBC Alert Notification Service are provided ldquoas isrdquo and ldquoas availablerdquo. Except as otherwise expressly stated, no implied or statutory warranties, including but not limited to the warranties of accuracy, adequacy, completeness, non-infringement, timeliness, quality, merchantability, currency, reliability, performance, satisfactory quality, fitness for a particular purpose or continued availability, are given in conjunction with the said Services. The Bank shall not be liable for and the Customer shall indemnify the Bank and keep the Bank indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by the Bank in providing the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service andor OCBC Alert Notification Service to the Customer, whether or not arising from or in connection with and including but not limited to the following: (a) the Bank taking any instructions and acting upon them (b) the improper or unauthorised use of or access to the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service, the Customerrsquos Vocal Password, Phone Code, T-PIN, ATM Card, ATM-PIN, ICode, IPIN, OCBC Alert Notification Service, Customer Terminal, Security Code andor Security Device (c) any damage to (i) any OCBC ATM as a result of any improper or unauthorised use b y the Customer or (ii) the Customer Terminals, related facilities or software as a result of access to the OCBC Internet Banking Service, or any loss of or damage to any Security Device (d) any act or omission by any relevant internet service provider (e) any delay or failure in any transmission, despatch or communication facilities (f) any access (or inability or delay in accessing) andor use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Alert Notification Service andor any browser to allow access to the OCBC Internet Banking Service or for any defect in any such browser or (g) any unauthorised access to the Customers Account, transaction or other confidential information by any third parties. 4.3 Communications with the Customer 4.3.1 The Customer shall notify the Bank in writing (or, in such other mode(s) andor methods agreed by the Bank from time to time) of any change in the Customerrsquos particulars. 4.3.2 Any statement, advice, confirmation, notice, demand and all other correspondence by the Bank under these Terms and Conditions (the ldquoCorrespondencerdquo) shall be served on the Customer:- (a) (where the Customer is an individual) on the Customer (or the Customerrsquos personal representatives) personally or (where the Customer is a corporation or partnership) on any of the Customerrsquos officers or partners personally (b) by sending it to the Customer or to any of the Customerrsquos officers or partners (as the case may be) at the Customerrsquos last address registered with the Bank or (c) by telex or facsimile addressed in any such manner as aforesaid to the Customerrsquos telex or facsimile address last registered with the Bank. The Correspondence shall be deemed to have been delivered on the day it was delivered personally or transmitted by telex or facsimile or if sent by post on the day following posting. 4.3.3 In the case of Joint Accounts, any notice served in accordance herewith on one of the Customers shall be deemed validly served on all the Customers. 4.4.1 The Bank may at any time at its absolute discretion and upon written notice to the Customer, amend any one or more of these terms and conditions. Such amendment(s) shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice. 4.4.2 Where the Customer continues to use the Service(s) after such notification, the Customer shall be deemed to have agreed with and accepted the amendments. If the Customer does not accept any such amendments, the Customer shall forthwith discontinue use of the Service(s). 4.4.3 In the event that the Bank decides in its absolute discretion to discontinue the provision of any of the Services governed by these terms and conditions permanently, the Bank shall give written notice of such discontinuation to the Customer. Such discontinuation shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice. 4.4.4 The Bank may notify the Customer of any changes to these terms and conditions by:- (a) publishing such changes in the statements of account to be sent to the Customer (b) displaying such changes at the Bankrsquos branches or ATMs (c) posting such changes on the Bankrsquos website (d) electronic mail or letter (e) publishing such changes in any newspapers or (f) such other means of communication as the Bank may determine in its absolute discretion. No failure or delay by the Bank in exercising or enforcing any right or option under these Terms and Conditions shall operate as a waiver thereof or limit, prejudice or impair the Bankrsquos right to take any action or to exercise any right as against the Customer or render the Bank responsible for any loss or damage arising therefrom. If any one or more of the provisions in these Terms and Conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions shall not in any way be affected or impaired. 4.7 Third Party Rights A person who is not a party to any agreement governed by these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these Terms and Conditions. 4.8 Applicable Law and Jurisdiction These Terms and Conditions shall be governed and construed in all respects in accordance with the laws of the Republic of Singapore but in enforcing these Terms and Conditions the Bank is at liberty to initiate and take actions or proceedings or otherwise against the Customer in the Republic of Singapore or elsewhere as the Bank may deem fit, and the Customer hereby agrees that where any actions or proceedings are initiated and taken in the Republic of Singapore, the Customer shall submit to the jurisdiction of the Courts of the Republic of Singapore in all matters connected with the Customerrsquos obligations and liabilities under or arising out of these Terms and Conditions. Updated as of 29 March 2016Company Overview of OCBC Bank, Research Division Company Overview OCBC Bank, Research Division is a research firm. The firm provides market and strategy research and financial market developments. It provides financial market updates on foreign exchange, government bonds, interest rates, and equity indices. The firm offers market strategy and trade recommendations for SGS and insight into the economic, currency, interest rate outlook of United States and Singapore. It provides opinion on regional trends and an overview of the financial market with weekly and monthly currency trends. The firm provides views and analysis on commodities price, future trends and developments in the Asian fixed income market. It provides market overview of the United States mar. OCBC Bank, Research Division is a research firm. The firm provides market and strategy research and financial market developments. It provides financial market updates on foreign exchange, government bonds, interest rates, and equity indices. The firm offers market strategy and trade recommendations for SGS and insight into the economic, currency, interest rate outlook of United States and Singapore. It provides opinion on regional trends and an overview of the financial market with weekly and monthly currency trends. The firm provides views and analysis on commodities price, future trends and developments in the Asian fixed income market. It provides market overview of the United States market, Chinese macroeconomic market, money market, the stock market, and provides day trading price of the worlds major currencies and short-term trend forecasting outlook. The firm offers special reports on topics impacting the financial markets. It also provides financial markets review and information on foreign exchange, money markets, interest rates, and macroeconomic environment. The firm also provides equity research on Singapore stocks. OCBC Bank, Research Division is based in Singapore. It operates as a division of Oversea-Chinese Banking Corporation Limited. 65 Chulia Street 01-00 OCBC Centre Key Executives for OCBC Bank, Research Division Head of Treasury Research and Strategy Currency Economist, Treasury Research and Strategy Compensation as of Fiscal Year 2016. Similar Private Companies By Industry ACH Investments Pte Ltd Aegis Estates Limited Aetas Global Capital Pte Ltd. AFC Merchant Bank Recent Private Companies Transactions MergerAcquisition May 27, 2016 The information and data displayed in this profile are created and managed by SP Global Market Intelligence, a division of SP Global. A Bloomberg não cria ou controla o conteúdo. Para consultas, entre em contato com SP Global Market Intelligence diretamente clicando aqui. Cotações de ações Os dados do mercado estão atrasados ​​pelo menos 15 minutos. As empresas privadas mais procuradas Patrocinadas Comentários financeiros Links patrocinados Solicitar atualização de perfil Apenas um representante da empresa pode solicitar uma atualização para o perfil da empresa. Será necessária documentação. To contact OCBC Bank, Research Division, please visit ocbcgroupresearch. Os dados da empresa são fornecidos pela SP Global Market Intelligence. Use este formulário para reportar quaisquer problemas de dados. Informação em falta - Por favor, insira suas informações no (s) seguinte (s) campo (s):