MESTIKA Internet Banking

Terms and Conditions
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TERMS AND CONDITIONS INTERNET BANKING AND MOBILE BANKING PT. BANK MESTIKA DHARMA, Tbk.

A.	Definition 
1.	Bank refers to PT. Bank Mestika Dharma, Tbk.
2.	Client refers to the one who uses the services of the bank and has  
	accounts in check and/or savings at the bank. 
3.	User refers to the client who has been registered as the user of 
	the Internet Banking and Mobile Banking services.
4.	Internet Banking refers to use of the Internet by a bank as the   
	method for its users to make banking transactions on the Browser. 
5.	Mobile Banking refers to the system that enables the individual   
	users of a bank to make financial transactions on mobile devices  
	like smartphones or other gadgets.
6.	Mobile Token refers to a software program stored in the mobile   
	devices like smartphones or other gadgets used to authenticate  
	transactions. 
7.	User ID refers to identity created by the users when registering
	and is used for Internet Banking and Mobile Banking services.
8.	Password refers to the private and confidential password created   
	and is only known by the user, which makes up of a combination of  
	letters and numbers (alphanumeric) without any special characters  
	consisting 8 (eight) to 12 (twelve) characters and is used for   
	Internet Banking and Mobile Banking services.
9.	PIN (Personal Identification Number) refers to private and   
	confidential 6-digit series created by the users when activation   
	the Mobile Token, known by the users only and used for Mobile   
	Token service.
10.	Challenge Number refers do the 10-digit series which appears on   
	the confirmation screen when the user is activation the Internet   
	Banking services. The user will have to key in the numbers to the   
	Mobile Token to get a Response code to be entered in the provided   
	response column.
11.	Response Number refers to the 10-digit secret code produced by the   
	Mobile Token and is used to authenticate every financial transaction   
	made on the Internet Banking. 
12.	Registration Code refers to the alphanumeric combination the user   
	gets when registering the Internet Banking Services at the customer   
	services of the Bank. 
13.	Inquiry refers to the service provided by the bank to give general   
	information about the products/services of the bank and other   
	information such as transaction validity dates, interest rates   
	and foreign exchange rates. 
14.	Banking Transactions refers to the non-financial and financial   
	transactions.
15.	Non-Financial Transaction refers to the information services in the   
	form of transactions and do not affect the account balance, such as   
	the balance information, mutation, data modification and other   
	transactions in accordance to the bank’s regulation.
16.	Financial Transaction refers to the services provided by the bank for   
	the   users to make transactions that will affect the account balance   
	such as overbooking, billing, voucher top-up and other transactions 
	provided and approved by the bank.
17.	Financial Transaction Limit refers to the maximum transaction  
	amount given by the bank in accordance with the prevailing laws and  
	the bank’s internal regulation.
18.	Main Account refers to the active account in the name of the user   
	and is the first account registered on the Internet Banking and Mobile  
	Banking services and is used to debit the costs in accordance with  
	the Bank’s policy. 
19.	Account Register refers to all the account numbers of the user in all   
	branches which have been registered and are accessible by the user.
20.	Registration Form refers to the form which must be filled in by the    
	user containing information about packages additions, changes, and    
	closing in the Internet Banking and Mobile Banking services. 
21.	Notification refers to the notifications via text messages regarding   
	the registration code and e-mail about successful/unsuccessful  
	transactions made on the Internet Banking and Mobile Banking    
	services.
22.	Benefits refers to all the services provided in the Internet Banking  
	and Mobile Banking services which can change anytime accordance    
	with the bank’s policies.
23.	Maximum Retry refers to the maximum number of mistakes the user   
	can make when logging in before being locked by the system.
24.	Password Validity Day refers to the length of the validity period of  
	the password in order to log in.
25.	First Time Password Idle Day refers to the length of the period when  
	the user has not logged in to Internet Banking system after creating    
	the User Id and Password for the first time.
26.	In-Active Period Day refers to the length of time when the user has    
	not logged in to the Internet Banking system after the last login.
27.	User Soft Deleted Day refers to the day of the deletion of the User Id   
	by the system if no request has been made to be activated since the  
	inactive period day.
28.	Password Expiration Alert Day refers to the day when a warning  
	notification is sent to User Id before the password validity day.
29.	Freeze Time refers to the period of time when the user is not allowed  
	to request a registration code after requesting a registration code    
	for 3 (three) times without using. 

B.	Registration of the Internet Banking and Mobile Banking services
1.	The user registers (Step 1) the Internet Banking and Mobile Banking    
	services at the Customer Service.
2.	The user needs to have and e-mail address.
3.	For an individual user:
	a.	The user has to produce his/her valid original identification    
		(Resident Identification Card/KTP / driving license / Passport /    
		KIMS) and a proof of the account ownership.	
	b.	The user has to own an ATM Card.
	c.	A notification will be sent via text messages giving the     
		Registration Code if the registration is successful.
	d.	The user registers (Step 2) on the website      
		www.bankmestika.co.id by typing in the registration code, the      
		last 4 digits of the ATM Card, the last 4 digits of the main      
		account number and date of birth.
	e.	The user creates 1 (one) User ID and 1 (one) password on     
		www.bankmestika.co.id, which will be used to access the      
		Internet Banking and Mobile Banking services.
4.	For Corporate User:
	a.	The user has to produce valid documents in accordance with      
		the most recent corporate budget.
	b.	The user will get a notification on the PIN Mailer and e-mail     
		containing the User ID and password for a successful      
		registration.
	c.	The user registers (Step 2) by combining password from PIN      
		Mailer and e-mail.
5.	The user is able to add or change the data of the account by     
	completing a registration form at the nearest bank.
6.	The user has to read and understand the terms and condition of the     
	Internet Banking and Mobile Banking services.

C.	User ID, Password, and PIN
1.	The user is given the freedom to create his/her own password and      
	PIN, which can be changed as he/she wishes.
2.	For an individual user:
	a.	The password validity day is 90 (ninety) days.
	b.	If the user has not changed the password in 90 (ninety) days,      
		he/she will be required to change the password when logging       
		in. 
3.	For a corporate user:
	a.	The password validity day is 30 (ninety) days.
	b.	If the user has not changed the password in 30 (ninety) days,      
		he/she will be required to change the password when logging       
		in.
4.	The password which has been used before can be used again after      
	using 3 (three) different password.
5.	The system will notify the user when logging in to the Internet      
	system 3 (three) days before the end of the password validity day.
6.	The “Forget Password” feature on the login on       
	www.bankmestika.co.id can be used if:	
	a.	The user forgets his/her password.	
	b.	The user has keyed in incorrect passwords 3 (three) times      
		consecutively on the same day.
7.	The user has to see the customer service to re-register e-Mestika      
	if he/she forgets his/her User Id and/or e-mail address.
8.	The user has to keep his/her User Id, password and the PIN of the      
	Internet Banking and Mobile Banking safe by:
	a.	Not revealing the User ID, password and PIN to anyone.
	b.	Not recording the password or PIN on paper or in any written      
		form or media accessible any anyone.
	c.	Immediately deleting the PIN Mailer of the Internet Banking       
		and e-mail containing the password.
	d.	Changing the password of Internet Banking periodically.
	e.	Not making Internet Banking transactions on communal       
		computers.
	f.	Making sure that the website is the official website for the      
		Internet Banking informed by the Bank.
	g.	Signing out after completing any Internet Banking transactions.
9.	The user is fully responsible for the confidentiality of the User      
	ID and password.
10.	The user should not use the PIN combination that consists of       
	personal data and is easy to be identified such as the date of birth.
11.	The use of User ID, password and PIN has the same legal power as       
	the written document signed by the user. Therefore, the user       
	declares that using the User ID, password and PIN in every       
	transaction on the Internet Banking and Mobile Banking services is       
	to delegate the authority from the user to the bank to make       
	transactions.
12.	The Bank is not responsible for any misuse of the User ID, password,      
	PIN by irresponsible parties due to the user’s negligence.

D.	Account 
1.	The account which can be registered on the Internet Banking and       
	Mobile Banking services must be an individual account       
	(not a joint account).
2.	The types of accounts which can be registered in the Internet        
	Banking and Mobile Banking services as the main account are       
	Tabungan Mestika (Mestika Saving) and/or deposit check with       
	the ATM Cards.
3.	Accounts other than the types mentioned above can be registered in       
	the Internet Banking and Mobile Banking services as additional       
	accounts for information.
4.	The main account and any other accounts registered in the Internet       
	Banking and Mobile Banking services are included into the data in 1       
	(one) client CIF.
 
E.	Changes in Services or Limits 
1.	The Corporate user is allowed to apply for changes in services or       
	transaction limit in writing sent to the Bank in at least 30 (thirty)       
	days before the changes become effective.
2.	The Bank has the authority to approve or deny the application for       
	the changes in services and/or transaction limits.

F.	Mobile Token 
1.	The Mobile Token can only be used by the user.
2.	Every user has to use the Mobile Token to authenticate every        
	financial transaction.
3.	The user can download the Mobile Token on App Store for iOS,       
	Play Store for Android and App World for Blackberry.
4.	The Mobile Token cannot be used for purposes other than        
	authenticating inancial and non-financial transactions        
	determined by the Bank.
5.	The user has to delete the Mobile Token Application on his/her       
	smartphones or other gadgets it he/she would like to change the       
	number and make of the smartphones or gadgets.
6.	The user should contact the Call Center or customer service of the       
	bank to block his/her User ID in case of the loss of the       
	smartphones or gadgets.
7.	The Bank is not responsible for any misuse of the Mobile Token by       
	irresponsible parties due to the user’s negligence.

G.	Corporate/Individual Access to the Internet Banking and Mobile       
	Banking Services 
1.	The user can access the Internet Banking services on the website       
	www.bankmestika.co.id.
2.	The individual user can access the Internet banking and Mobile       
	Banking services by entering the correct User ID and Password.
3.	The corporate user can access the Internet Banking services by       
	entering Company ID, User ID and password.
4.	The user is suggested to delete any notifications from the bank       
	via e-mail or text messages that contain registration data, password       
	and any changes including the user’s transaction data. 
5.	For security reasons, the user is not suggested to access the Internet       
	banking and Mobile Banking services in the network of free Internet        
	or free Wi-Fi.
6.	The user is responsible for the risks occur as a result of using the       
	free Internet or Wi-Fi services mentioned in point 5 above. 

H.	Transactions 
1.	The user has to correctly print and complete all the data needed       
	in every transaction.
2.	In every financial transaction, the system will confirm the data       
	registered in the Internet Banking and Mobile Banking services and       
	the user is given the chance to edit or cancel the transaction.
3.	The user is responsible for the accuracy of the data registered in       
	the Internet Banking and Mobile Banking.
4.	The user will get a receipt as proof of transaction upon every       
	successful transaction made by the Bank.
5.	The Bank has the right to unauthorize any instruction from the user       
	if the bank suspects aby deception or crime in the transactions.

I.	Proof 
1.	Upon any transaction made via e-Mestika, any computer printouts or       
	copies are valid proofs of the transactions the user makes.
2.	Any instructions in the Internet banking and Mobile Banking       
	transactions made by the user are considered valid and the bank       
	will not issue any written and signed document as a proof.

J.	Registered Telephone Number
1.	The user has to be sure of the accuracy of the office telephone       
	number and/or mobile phone number registered in the Internet        
	Banking and Mobile Banking services.
2.	The user is responsible for the misuse of the office telephone number       
	and/or mobile phone number registered in the Internet Banking and       
	Mobile Banking services.

K.	Electronic Mail (e-mail) 
1.	The user has to register his/her personal e-mail so that proofs of       
	transactions or any other documents related to the Internet banking       
	and Mobile Banking services can be sent to the e-mail.
2.	The user has to keep the e-mail register in the Bank safe.
3.	The user is responsible for the misuse of the e-mail registered in       
	the Internet Banking and Mobile Banking services.

L.	Administration Fee 
1.	The Bank will charge administration and transaction fees periodically       
	via Internet Banking and Mobile Banking services.
2.	The Bank will charge every transaction made successfully or       
	unsuccessfully.
3.	The system will automatically debit the administration and        
	transaction fees.
4.	The Bank is allowed to make changes in the administration and        
	transaction fees anytime.

M.	Force Majeure 
1.	The banking will not be liable to the circumstances in which the user’s       
	transactions are unsuccessful due to inevitable events beyond the        
	bank’s control including natural disasters, dangers, riots,        
	malfunctioning system or transmission, electrical and        
	telecommunication problems, governmental policies and other       
	causes beyond the Bank’s control
2.	The Bank is not responsible for any unsuccessful transactions in case        
	of corrupted Internet Banking and Mobile Banking applications cause        
	by the user’s negligence or any other causes such as virus        
	(Trojan, Worms, and so on), disconnected electricity, damage to        
	computer hardware and so on.

N.	Unsubscribing the Services 
Internet Banking and Mobile Banking services end if one of the following        
points is covered:
1.	The user applies for the subscription termination of the Internet        
	banking and Mobile Banking services in writing by completing the        
	Internet banking subscription termination form provided by the        
	Bank at the nearest branch. The Mobile Banking will automatically        
	be unsubscribed if the Internet Banking is unsubscribed.
2.	The user closes the account registered in e-Mestika.
3.	The Banking discovers that the user’s account is misused illegally.
4.	The Bank closes the access to the Internet Banking and Mobile        
	Banking services as an obligation regulated by the prevailing law.
5.	The bank closes the services by giving prior notice, orally or written,       
	to the user.
6.	The user has not used the Internet Banking services for 90 days.

O.	Changes in Terms and Conditions 
The Bank shall change and/or make additions to the terms and conditions        
of the Internet Banking and Mobile Banking services of PT. Bank Mestika        
Dharma, Tbk by giving prior notice to the user through the appropriate        
media. The user is bound by any changes made to the terms and conditions.

P.	Others
1.	The User is suggested to contact the customer service of Bank         
	Mestika in case of problems regarding transactions and changes in         
	the access to the Internet Banking services.

These terms and conditions may be changes, added or renewed from time to time in accordance with the prevailing law in the Republic of Indonesia, including but not limited to the regulations issued by the Bank of Indonesia and any other regulations issued as well as other customs valid at the time and place where the agreement takes place. Applicants shall obey the changes, additions or renewals. These terms and conditions are an inseparable part of the general regulations of the bank.
I have read and agreed to the Terms and Conditions.