The Automated Telephone Service (the "Credit Card Phone Banking Service") provided by the Bank covers:

• Inquiry on credit card balance, payment and reward points balance;
• Reporting a lost or stolen credit card;
• Requests for credit card statement copy and Credit Card ATM PIN advice;
• Access to Cardholder's HSBC banking account and rate enquiries;
• Other transactions that the Bank may introduce.

Cardholder will be issued a Credit Card Phone Banking Service Personal Identification (PIN) which shall be assigned to Cardholder by the Bank, and known only to Cardholder as pertaining to Cardholder's relevant Credit Card & Banking Accounts, to enable Cardholder to initially access Cardholder's Credit Card & Banking Account, and effect permitted transactions/instructions through the automated telephone service, and which Cardholder may replace with a PIN of Cardholder's choice. Cardholder shall be fully responsible in all circumstances for any matter related to the use of Cardholder's PIN and agree to keep Cardholder's PIN (whether Bank assigned or the replacement PIN of Cardholder's choice) confidential at all times and Cardholder shall not pulge the same to any other person for any reason whatsoever. Cardholder's non-compliance with this provision shall relieve the Bank of any accountability for any loss, claim, damage, cost or expense arising from the use of Cardholder's PIN to effect any transaction relating to Cardholder's Credit Card & Banking Account(s). In addition, Cardholder also agree to indemnify and save the Bank harmless against any potential loss, claim, damage, cost or expense which may be suffered by the Bank arising out of Cardholder's non-compliance of the aforementioned provision. Any transactions/instructions effected using Cardholder's PIN shall be conclusively presumed to be authorised by Cardholder. Cardholder further agree and undertake to immediately report by telephone, and confirm in writing immediately following such report, the loss or Cardholder's awareness that Cardholder's PIN has fallen into the hands of an unauthorised person. Any losses due to withdrawal, debit, or transfer of funds using Cardholder's Phone Banking PIN prior to receipt by the authorized officer of the Bank of Cardholder's written confirmation shall be for Cardholder's sole account.

Cardholder agree that the Bank, at its sole discretion, is entitled to act on the instructions received from Cardholder by telephone, which the Bank reasonably believes emanated from Cardholder by the use of Cardholder's Credit Card Phone Banking Service PIN or some other form of identification. The Bank reserves the right not to act on Cardholder's telephone instruction without any duty to give its reasons for such refusal to act, or to require Cardholder to confirm Cardholder's telephone instructions in writing even though Cardholder gave the Bank the correct and valid PIN or some identification we required from Cardholder, and to refrain from acting until receipt of the Bank's authorized officer of Cardholder's written confirmation. Cardholder agree further that the Bank shall not be liable for acting in good faith based on telephone instructions which it believes emanated from Cardholder. The Bank shall not have any duty to verify the identity of the person giving instructions by any means other than Cardholder's PIN or a form of identification we may require.

The Bank reserves the right to destroy any documents relating to Cardholder's telephone instructions through Credit Card Phone Banking service within 12 (twelve) months from the relevant transaction date.

If any cardholder has one or more supplementary cards, the Bank may issue Credit Card Phone Banking service PINs to some or all of Cardholder. In such cases, the Bank may implement instructions from such Account/s which are received from any one of Cardholder using any of the Phone Banking service PINs issued, or such Credit Card Phone Banking service PINs substituted by each of Cardholder.

Cardholder may report the lost of Cardholder's credit card by phone at any time. Cardholder's lost card will be blocked immediately, or within the relevant period specified in these Terms and Conditions and amendments hereto, to prevent the fraudulent use thereof. Cardholder shall, however, continue to be liable for transactions, and shoulder any loss or damage, using the lost cards that were executed or incurred prior to the receipt by the authorized officer of the Bank of Cardholder's written confirmation of the loss.

1.1 In these Terms and Conditions, unless the context otherwise requires, the following terms shall have the meanings as ascribed to them:

• "PhoneBanking Services" means the services provided by the Bank for the conduct of Transactions which include (1) Transactions which may be conducted during PhoneBanking hours with the assistance of a member of staff of the Bank upon instructions of the Customer via the telephone; (2) Transactions which may be conducted all hours using the automated service via the telephone by Customers without the assistance of a member of staff of the Bank; and (3) such other Transactions which the Bank may make available from time to time;
• "Account" means any account which the Customer has or may establish with the Bank for which approval has been granted by the Bank to conduct Transactions on the Account using PhoneBanking services;
• "Bank" means The Hongkong and Shanghai Banking Corporation Limited;
• "Customer" means a natural person who has applied for the use of PhoneBanking Services and whose application has been approved by the Bank;
• "HSBC Group" means HSBC Holding plc and its subsidiary and associated companies wherever situated;
• "Joint Alternate Instructions" means instructions to the Bank that a joint account is to be operated by either of the joint account holders;
• "Personal Identification Number" or "PIN" means the number issued by the Bank to the Customer (or any other number substituted by the Customer) to enable him to gain access to and conduct Transactions using PhoneBanking Services and to obtain other banking services and information provided by the Bank from time to time;
• "PhoneBanking hours" means the period of 24 hours from Monday to Sunday, subject to the Bank's discretion to specify otherwise from time to time;
• "Transaction" means any dealing on the Customer's Account as well as the utilization and obtaining of other banking services and information which the Bank may arrange from time to time upon such terms as the Bank may impose;
• "Unit Trust" means any unit trust for which the Bank act as agent for the relevant fund manager.

1.2 Words importing the singular number shall include the plural number and vice versa. Words importing a gender shall include the other gender.

1.3 The headings to the clauses of these terms and conditions are for convenient reference only and shall not be used for the construction or interpretation of the clauses or the Terms and Conditions as a whole.

2. In consideration of the Bank agreeing at the request of the Customer to provide the Customer with the use of PhoneBanking Services, the Customer agrees to use PhoneBanking Services in accordance with these Terms and Conditions.

3. The Customer appoints the Bank as the Customer's agent to request any member of the HSBC Group (other than the Bank) (an "Institution") to provide PhoneBanking Services to the Customer. Where the Customer uses PhoneBanking Services provided by an Institution (and not the Bank), the Bank shall not be responsible for any delay or failure by that institution in executing any instruction of the Customer received trough the use of PhoneBanking Services. In order that an institution may give effect to the Customer's instruction, the Customer agrees that the Bank may, as the Customer's agent, agree with any institution that where applicable these Terms and Conditions will apply between the Customer and the Institution.

4.1 The PIN may be sent to the Customer by post or may be collected by the Customer at the branch of Account or as arranged by the Bank. Any person collecting the PIN on behalf of the Customer, and purporting to be duly authorized in writing by the Customer shall be deemed by the Bank to be authorized.

4.2 The Bank is authorized to act on any telephone instruction which the Bank in its sole discretion believes emanate from the Customer by the use of the PIN and the Bank shall not be liable for acting in good faith upon telephone instructions which emanate from unauthorized inpiduals and the Bank shall not be under any duty to verify the identity of the persons giving telephone instructions purportedly in the name of the Customer.

4.3 The Bank shall not be liable for any loss, damage or expense incurred by the Customer howsoever caused if the PIN is not in fact received by the Customer.

4.4 The Customer shall be under an absolute duty to maintain the secrecy of the PIN and to notify the Bank via telephone immediately followed by confirmation in writing if the PIN is lost or may become known to any other person.

4.5 Upon receipt by the Bank of such telephone notification the Bank shall be entitled to suspend and/or terminate PhoneBanking Services and/or to cancel the PIN. The Customer may be issued a fresh PIN at the Bank's discretion

4.6 The Customer shall be liable for all Transactions effected until the PIN has actually been cancelled by the Bank.

5.1 The Customer may use PhoneBanking Services to:

• stop payment on cheques and the Customer agrees with the Bank that any such request submitted after banking hours may not be effected until the next banking day;
• report loss of the Customer's ATM card, credit card (including any personal identification number therefore) or any other documents (including without limitation demand drafts and cashier's orders) the loss of which is permitted by the Bank to be reported in the manner described herein and the Customer shall be liable for all Transactions effected until use of the aforesaid documents is suspended or cancelled by the Bank;
• request a cash refund or request the Customer's account to be credited with the proceeds of a demand draft or cashier's order the original of which is or has been reported by the Customer to be mislaid, lost, stolen or destroyed, which request will be acceded to by the Bank at its discretion and subject to the Customer signing and returning to the Bank its standard letter of indemnity;
• make payments or transfers;
• conduct Transactions on the Customer's Account(s);
• open new sole accounts for such banking services as the Bank may from time to time determine;
• open new joint accounts for such banking services as the Bank may from time to time determine, provided that such accounts are to be operated on the Joint Alternate Instructions of the same joint accountholders operating any existing joint accounts with the Bank;
• purchase traveler's cheques, which may be collected at a branch of the Customer's choice;
• apply for cashier's orders, which may be sent to the Customer by post or which may be collected at a branch of the Customer's choice or at the Bank's Telephone Banking Centre;
• apply for demand drafts, which may be sent to the Customer by post or which may be collected at a branch of the Customer's choice or at the Bank's Telephone Banking Centre;
• apply for telegraphic transfers;
• check the current holding and prices of Unit Trust; and
• perform such other Transactions and obtain such other banking services and information as the Bank may arrange from time to time and upon such terms as the Bank may impose.

5.2 Notwithstanding any other provision hereunder and in particular Clause

5.1 the services currently available under PhoneBanking Services and the operating hours thereof will be made known to the Customer via the Bank's promotional materials.

5.3 The Customer agrees to comply with the processing cut- off time of any Transaction conducted via PhoneBanking Services as may be prescribed by the Bank and subject to change at the discretion of the Bank from time to time and be notified to the Customer by such means as the Bank maythink fit.

6.1 The Customer shall ensure that there are sufficient funds or prearranged credit facilities in the Customer's Account when giving the telephone or other instructions and the Bank shall not be liable for any consequence arising out of the Bank's failure to carry out such instructions due to inadequacy of funds and/or credit facilities provided always that if the Bank shall at its sole discretion decide to carryout the instructions notwithstanding such inadequacy the Bank may do so without seeking prior approval from or notice to the Customer and the Customer shall be responsible for the resulting overdraft, advance or credit thereby created.

6.2 Any exchange rate or interest rate quoted by the Bank in response to a telephone instruction is for reference only and shall not be binding on the Bank unless subsequently confirmed by the Bank for the purpose of a Transaction. Such confirmed exchange rate or interest rate shall be absolutely binding on the Customer notwithstanding that a different exchange rate or interest rate might have been quoted by the Bank at the relevant time through other means of communication.

6.3 If as a result of a Transaction conducted using PhoneBanking Services, the Customer's account is overdrawn, the Customer shall forthwith pay on demand to the Bank all such sums withdrawn in excess of available funds together with interest at the prevailing rate which the Bank charges on such overdrawn amounts. If payments are effected to third parties after closure of a Customer's Account all sums so paid shall be a debt due from the Customer to the Bank and repayable forthwith.

6.4 Where the Customer (who is currently an accountholder of the Bank) opens a new account through PhoneBanking Services, no documents will be sent to the Customer and the application will be processed based on information obtained from documents currently in the Bank's possession.

6.5 The Customer agrees to comply with the limit of any Transaction conducted via PhoneBanking Services as may be prescribed by the Bank and subject to change at the discretion of the Bank from time to time on which change shall be notified to the Customer by such means as the Banks thinks fit. The Customer shall indemnify and shall keep the Bank fully indemnified against all losses, damages, fees, costs, charges and expenses (including legal costs on a full indemnity basis) which the Bank may sustain or incur as a result of permitting, at its sole discretion, Transactions above the Bank's pre-set limits to be affected at the Customer's request/instruction herein.

7. The Bank is authorized to record all instructions from the Customer including conversations made during the use of PhoneBanking Services and, in the absence of manifest error, such record of PhoneBanking Services Transactions shall be final and conclusive and be binding on the Customer for all purposes.

8. The Bank will send to the Customer a confirmation advice for each Transaction conducted using PhoneBanking Services. Details of Transactions conducted using PhoneBanking services will be reflected in the Statements of Account of the respective accounts linked to PhoneBanking Services.

9.1 The Customer shall abide and be bound by the instructions given by the Bank during the use of Phonebanking Services. The Customer shall have no claim, recourse or remedy against the Bank in respect of any loss, damage, and expense incurred by the Customer arising from any non-compliance by the Customer with such instructions

9.2 Without prejudice to any other provision hereunder, the bank may in its absolute discretion require the Customer to undergo a verbal quiz to authenticate his identity (regardless whether the Customer is able to furnish his PIN or not).

10. Without prejudice to the other clauses of these terms and conditions and in particular Clause 4.4, the Customer shall be liable for all Transactions and/or the use of the PIN with or without the Customer's knowledge or consent for whatsoever purpose.

11. The Customer shall be under a duty to cooperate fully with the Bank in the event of any investigation or litigation relating to PhoneBanking Services.

12. The Customer shall not be entitled to revoke the instructions given to the Bank after the same have been received by the Bank unless the bank permits otherwise.

13. The Customer may request to terminate the use of PhoneBanking Services by notifying the Bank in writing and the Customer shall be liable for all Transactions until the Bank has terminated the use of PhoneBanking Services

14.1 The Bank shall be entitled to levy charges, fees, expenses, tariffs and such other amounts at such rates to be determined by the Bank from time to time for the Customer's use of PhoneBanking Services. Details of all current charges, fees, expenses, tariffs and such other amounts levied by the Bank are available upon the Customer's request.

14.2 The Bank shall be entitled to debit the Customer's Account or any other account which the Customer maintains with the Bank whether in Indonesia or elsewhere for all such charges, fees, expenses, tariffs and such other amounts levied by the Bank.

15. No act, delay or omission by the Bank shall operate as a waiver or foregoing of all or any of its rights and powers hereunder save only by express undertaking to do so in writing.

16. In the event of the Customer failing to perform or being in breach of these terms and conditions or in the event of his death or insolvency or the committing of an act of bankruptcy, all charges and expenses payable to the Bank shall become due and payable forthwith and the Bank shall be entitled to debit the Customer's Account or any other account which the Customer maintains with the Bank whether in Indonesia or elsewhere with the charges and expenses forthwith.

17. The Bank shall entitled to suspend the PhoneBanking Services and to vary the services available through the use of PhoneBanking Services or the operating hours of any such service at any time at its discretion without assigning any reason and without prejudice to any of its rights of action for any antecedent breach of these Terms and Conditions by the Customer.

18. The bank reserves the right to add, delete or vary the scope of PhoneBanking Services and any of the terms and conditions herein from time to time as which deletion, variation or addition shall be notified to the Customer by such means as the Bank may think fit. Continue use of the PhoneBanking Services afterwards shall constitute as the Customer's acceptance to be bound by such addition, deletion or variation. If the Customer can not agree to such addition, deletion or variation, the Customer may terminate the use of PhoneBanking Services based on the provision of item 19 hereunder.

19. The Bank may terminate the provision of the PhoneBanking Services to the Customer at any time with 3(three) working days prior to written notice. The Bank may also terminate the provision of the PhoneBanking Services forthwith without notice if for any reason the Customer fails to comply with the Terms and Conditions as stipulated therein, without prejudice to the Bank's right of action for any antecedent breach of this Terms and Conditions by the Customer.
Any termination stipulated herein shall occur in accordance with its terms and no prior court announcement shall be required. To give effect of the foregoing, the Customer and the Bank hereby waive the applicability of Article 1266 of the Indonesian Civil Code.

20. The Customer shall not hold the Bank responsible or liable for any loss or damage which the Customer may incur or suffer directly or indirectly arising out of or in connection with PhoneBanking Services due to any reason whatsoever including but not limited to the inaccuracy of any information provided over the telephone, the negligence of the Bank, its employees, servants or agents, breakdown or malfunction of the computer, its terminal connection lines, data processing system or transmission line or any other equipment whether or not belonging to the Bank or as a result of the Bank's compliance or non-compliance with any instructions made by the use of the Customer's PIN whether or not authorized by the Customer.

21. Each Customer expressly authorize the Bank to disclose, transfer or otherwise make available to any subsidiaries of the Bank and/or any member of the HSBC Group and its agent of the aforesaid, including the involving telecommunication companies (within or outside Indonesia) such information relating to the Customer and Customer's Account(s), including without limitation transactions and dealings in connection with the said Account(s) which the Bank may consider appropriate in contemplation of or for the purpose of providing the PhoneBanking Services.

22. Any authorization conferred by the Customer to the Bank under this terms and conditions constitute an integral part of this Terms and Conditions of PhoneBanking Services, which would have not been provided by the Bank without such authorization. In relation to the foregoing, the Customer hereby waived the applicability of Article 1813, Article 1814 and Article 1816 of the Indonesian Civil Code.

23. Any notice or other communication by the Bank to the Customer shall be in writing sent by post to the Customer at the last address notified by the Customer to the Bank and shall be deemed to be received on the day following such posting. The Customer shall be under a duty to advise the Bank in writing immediately of any change of address.

24. Unless otherwise specified, the General Terms and Conditions governing the operation of the Customer's account with the Bank shall apply to PhoneBanking Services and in the event of any inconsistency between such General Terms and Conditions and the Terms and Conditions herein, the latter shall prevail.

25.1 The Customer shall indemnify and shall keep the Bank and any Institution fully indemnified against all losses, damages, fees, costs, charges and expenses (including legal costs on a full indemnity basis) which the Bank and such Institution may sustain or incur and which shall have arisen either directly or indirectly out of or in connection with:

• any use or purported use whatsoever of PhoneBanking Services and/or the PIN by the Customer or other person;
• any breach of or non-compliance with the Terms and Conditions herein by the Customer;
• any negligent act or omission of the Customer;
• the Bank accepting instructions from the Customer using PhoneBanking Services and acting or failing to act thereon unless due to the willful default of the Bank; or
• the enforcement by the Bank of its rights hereunder by any means; and such indemnity shall continue notwithstanding the termination of PhoneBanking Services.

25.2 The Bank shall be entitled to debit the Customer's Account or any other account which the Customer maintains with the Bank whether in Indonesia or elsewhere for all such losses, damages, fees, costs, charges and expenses incurred by the Bank.

25.3 The Customer shall be liable under and be bound by these Terms and Conditions both jointly and severally when the Accounts are Joint Accounts.

26. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Indonesia and the Customer irrevocably submits to the non-exclusive jurisdiction of the court of South Jakarta, without limiting the Bank's right to take any proceedings in any court or jurisdiction.