USER ID, PIN, KEYBCA AND THE CUSTOMERS OBLIGATION

1. The customer is obliged to not leave the terminal in an active state (log-on), in other
words, the customer must log out each time he or she leaves the terminal.
2. The customer is obliged to secure the User ID and PIN by doing the following things:
The customer is not permitted to inform his or her User ID and PIN to another in
order to obtain prizes or any other intention including his or her family or friends,
except to do certain transactions that require the Customer to inform someone of his
or her User ID, for example for purchasing items or payment of online services.
The customer is not permitted to write the User ID and PIN on a table, terminal or
keep it in a written form or post it on a computer application or any other means of
storing information that enables others to view it.
The User ID and PIN must be used carefully so others cannot view it.
The Customer is not permitted to use an Internet Banking PIN that was created by
another or that is easy to deduce such as his or her date of birth or its combination,
telephone number and others.
The Customer is obliged to use his or her personal computer when accessing IB
BCA. Do not use a computer that can be accessed by many people.
3. The User ID provided by BCA is permanent and cannot be changed, except if the
account is closed.
4. The Customer is permitted to create his or her own PIN during registration at the ATM
BCA machine.
5. The Customer can do an inquiry of his or her own User ID using the IB BCA
registration facility at the ATM BCA machine if the Customer cannot remember his or
her User ID.
6. The Customer is fully responsible for all of the transaction instructions received from his
or her User ID, PIN and KeyBCA, unless the Customer can prove otherwise.
7. BCA has the right to provide a User ID with a combination of letters and numbers
without requesting approval from the Customer first.
8. The Customer must immediately report to BCA if another person knows his or her User
ID and or PIN. The Customer is fully responsible for all transaction instructions
submitted from the User ID, PIN and KeyBCA before the BCA authorities receive a
written report regarding this matter.
9. If the Customer loses or damages the Kartu ATM BCA and has it replaced, upon
receiving the new Kartu ATM BCA, the Customer can immediately login by using the
previous User ID. When the Customer logs in for the first time using the new Kartu
ATM BCA, the Customer will be requested to enter a new Internet Banking PIN.
10. The regulation stated in article E.9 of these Terms and Regulations do not apply to
TAPRES or BCA Dollar ATM BCA card types. If the customer loses a TAPRES or
BCA Dollar card, the Customer must close the TAPRES or BCA Dollar account and
open a new TAPRES or BCA Dollar account. Therefore, the Customer must reregister
for IB BCA using the new TAPRES or BCA Dollar card.