Registration

Registration

1. The customer registers OK! Internet Banking and/or OK! Mobile Banking at OK! Bank Indonesia. After registration is done by filling out the request form at the OK! Bank Indonesia, the Customer will receive a temporary User ID via SMS and the Customer must change to a permanent User ID within 7 (seven) calendar days.
2. The customer must visit the OK! Bank Indonesia (https://www.okbank.co.id or https://okbank.co.id) to activate the OK! Internet Banking / OK! Mobile Banking. On the mobile banking website/application, the customer will enter a temporary User ID, No. Debit Card and PIN.
3. After the User ID and Debit Card PIN have been validated, the Customer can create a new User ID and Password for OK! Internet Banking / OK! Mobile Banking.
4. The customer can only create 1 (one) User ID and Password, where this User ID and Password are used to enter OK! Internet Banking and OK! Mobile Banking.
5. For transaction security, the customer will be asked to choose an image, color and name. This image will be used as an anti-phishing tool and more protection for OK! Bank Indonesia.
6. The customer has the right to cancel the use of OK! Internet Banking and/or OK! Mobile Banking within 2 (two) working days from the time the Customer agrees to these Terms and Conditions.

Facilities

1. Various facilities available at OK! Internet Banking and OK! Mobile Banking can be used for all OK! Bank Indonesia, both individuals and companies, but corporate customers can only use OK! Internet banking.
2. Facilities on OK! Internet Banking and OK! Mobile Banking that can be used by customers such as transfers, domestic transfers to other banks, checking account mutations, and so on.
3. Addition or subtraction of the facilities and transactions contained in OK! Internet Banking and OK! Mobile Banking will be notified to the Customer in written form through the website (https://m.okbank.co.id/intn/main), at least 7 (seven) calendar days before the effective date. In the event that the Customer does not agree to changes to facilities and transactions after being notified, the Customer has the right to terminate the use of OK! Internet Banking and OK! Mobile Banking before the effective date.
4. With some consideration, OK! Bank Indonesia may change the manual for OK! Internet Banking and OK! Mobile Banking. Changes will be notified to the Customer through the website (https://m.okbank.co.id/intn/main), at least 7 (seven) calendar days before the effective date. In the event that the Customer does not agree to changes to the manual after being notified, the Customer has the right to terminate the use of OK! Internet Banking and OK! Mobile Banking before the effective date.

User ID and Password

1. User ID and Password are confidential and can only be used by Customers who have authorization to make transactions.
2. The customer is not permitted to intentionally lend or give the User ID and Password to other people and the Customer is responsible for the confidentiality of the User ID and Password.
3. The customer is not permitted to save or record User ID and Password to any media, such as paper, cell phones, computers or other media that can be easily accessed by other people.
4. In order to maintain the security of the Customer's data, the Customer must change the Password periodically.
5. Employees OK! Bank Indonesia will never ask for Customer information related to User ID and Password. Please be careful of fake notifications in the name of OK! Bank Indonesia.

I. DEFINITION

1. Automated Teller Machine (ATM) is an electronic machine for banking services owned/managed by Bank or owned/operated by other bank based on cooperation with the Bank, used by the Customer for cash withdrawal, balance inquiry and other transactions applicabe in the Bank which can see at through available Bank’ communication media.
2. Bank is PT Bank Oke Indonesia, Tbk.
3. Instruction is every Customer instruction to the Bank related to Banking Transaction delivered by electronic media such as ATM and/or OK! Mobile Banking.
4. Branch Office is a branch office of Bank where Customer may register to obtain Electronic Banking Services.
5. ATM Card is a card issued by the Bank based on the Customer's request and used as a transaction media in ATM such as cash withdrawal transactions, transfers, payments, and/or other functions to be determined by the Bank, including shopping transactions in EDC.
6. Access Code is a secret code that is required for the Customer to conduct a Banking Transaction through the appropriate service of its features using specific codes as verification medium and the authorization of its use only to the Customer.
7. Electronic Banking Services (LPE) is a service that enables Bank Customer by first registering to conduct Banking Transactions through electronic media such as ATM, cellular phone ("Handphone") and/or Internet Banking.
8. Terms of Tariff is the provisions and exchange rates applicable to and have announced at the Bank branch offices and/or websites or other possible media.
9. Electronic Data Capture Machine (EDC) is a tool used to verify transactions or financial and nonfinancial transactions by the Customer at counter Bank or other places specified by the Bank.
10. The Customer is an individual or a business entity or legal entity which having an Account at the Bank and/or using banking services provided by the Bank.
11. OK Bank ATM is a service provided to Customers n the form of ATM Cards that can be used to transactions in ATM and EDC Bank networks as well as in ATM and EDC networks of other Banks in cooperation with the Bank.
12. OK! Corporate Banking is one type of services/ electronic banking services provided by the Bank for corporate Customers/ business entitiy or legal entity to do banking transactions via the Internet.
13. OK! Customer Care is an authorized working unit to provide Banking Information and Transaction services, including receipt of complaints, presented by the Bank to the Customer by telephone/Email.
14. OK! Personal Banking is one of the types of electronic banking services/services provided by the Bank for individual Customers to do banking transactions via Internet.
15. OK! Mobile Banking is one type of electronic banking services/services provided by the Bank to do banking transactions using services through Mobile Phone.
16. OTP (One Time PIN) is a secret code as an additional security medium that serves to authenticate transactions sent by Bank through Hard Token owned by the Customer.
17. Password is a secret code with a combination of letters and numbers used to enter the application OK! Personal Banking and OK! Mobile Banking.
18. ATM PIN is the secret code/password required for Customer to use ATM / EDC terminal service or OK! Mobile Banking and the authority of its use only for the Customer.
19. Telecommunication Service Provider is a telecommunication company that has cooperated with Bank.
20. Account is Customer deposits in the form of savings, whether the Customer has opened at the Bank or to be open in the future which connected with the Electronic Banking Service.
21. Terms and Conditions of Electronic Banking Services are these Terms and Conditions including any change or renewal (if any).
22. A Registered Phone is registered Customer Mobile Phone Number on the ATM Card and Service form/application.
23. Financial Transactions is the transactions that impact on changes in Account balances, such as overbooking, transfer, bill payment, purchases and other transactions approved by the Bank.
24. Non-Financial Transaction is a transaction that has no impact on changes in the Account balance, such as a request for balance information and Account mutation, PIN reimbursement and other transactions Electronic Banking Service approved by the Bank.
25. Banking Transactions is the Financial Transactions and Non-Financial Transactions.

II. GENERAL PROVISIONS

1. To be able to use the Electronic Banking Services, the Customer must register in the Branch Office.
2. The Customer who has registered the Electronic Banking Service will receive the ATM Card and ATM PIN or to OK! Mobile Banking and OK! Personal Banking will receive Password, PIN OK! Mobile Banking or any other secret code that has been established by the Bank through communication media and is obliged to keep confidentiality, as it serves as a sign of approval of any Instruction of Banking Transactions through Electronic Banking Services.
3. Transactions may be made through Electronic Banking Services as long as the Customer's Account active (not in a blocked state, passive/dormant) and sufficient balance in accordance with the Bank’ policy.
4. The Bank is not obligated to do any Instruction provided by the Customer and the Bank entitled to cancel if the funds available in the Electronic Banking Service Account are insufficient or the Customer violates the applicable laws and/or regulations.
5. The Customer has understood the risks arising from negligence, confusion, misunderstanding, ambiguity, inaccuracy caused by the Customer.
6. The Bank shall determine Customer Financial Transaction Limits in ATM, Mobile Banking or Internet Banking, and the Bank shall be entitled to make substantial changes to the Financial Transaction limit by prior notification no later than 30 working days to the Customer through the media of information determined by the Bank. Customer has the right to end the use of ATM, Mobile Banking or Internet Banking before the changes of Financial Transaction Limits takes effect.
7. The Customer cannot cancel the Transaction that has been instructed to the Bank which has been approved by the Customer, and has been executed by the Bank on the Customer's Instruction.
8. The customer agrees and understands the legitimacy, correctness or authenticity of evidence of Instructions and communications transmitted electronically between the two parties, including documents in the form of notes or evidence of Banking Transactions, copies or other forms of information storage, and all such tools or documents are evidence valid for Customer Banking Transactions conducted through the Electronic Banking Service system unless the Customer can prove otherwise.
9. The Customer acknowledges that all Instructions from the Customer received by the Bank will be treated as valid evidence even though they are not made in the form of written documents or signed documents.
10. The Customer understands all risks of losses or damages that arise as a result of the following matters:
    a. ATM card abuse, ATM PIN/PIN OK! Mobile Banking, Password, OTP or other secret codes.
    b. Error in submitting Instructions by the Customer.
    c. The Customer's failure to follow the Instructions, procedures and instructions for the EB Services.
    d. All other losses caused by third parties.

III. USE AND TRANSACTIONS OF ELECTRONIC BANKING SERVICES

1. Electronic Banking Services are provided by a written application submitted by the Customer to the Bank and specifically provided to:
   a. Account on behalf of an individual Customer.
   b. Joint Accounts on behalf of individuals with "OR" status or "QQ" status.
2. Electronic Banking Services may only use by the Customer itself and may not transferable/diverted in any form and in any way to any other party.
3. The uses of Electronic Banking Services adjusted to the types of Bank products and policies listed on the brochures or other media published/provided by the Bank, among others:
   a. Transactions on ATM owned/managed by the Bank; the transaction will be debited from the account appointed by the Customer and access to the ATM card. As well as transactions conducted through other ATM networks that have cooperation with the Bank or other places determined by the Bank.
   b. Transactions such as shopping and bill payments and other transactions approved by the Bank.
4. Electronic Banking Services can use as long as the Account is active (not in a blocked, passive/dormant and other circumstances) and sufficient balance.
5. Nominal limits for transactions using Electronic Banking Services and the amount of fees are determined by the Bank and may change at any time with prior notification and announcement at the Branch office or locations where ATMs are located or through other media available at the Bank.
6. By accepting, signing and/or using/using the Electronic Banking Services, the Customer has agreed to the applicable provisions.
7. Electronic Banking Services should not transfer to anyone and only valid Customers are allowed to use them.

IV. PERSONAL IDENTIFICATION NUMBER (PIN)

1. Use of Customer Electronic Banking Services will provide Personal Identification Number (PIN).
2. The Customer required to changes the PIN that has been submitted by the Bank before executing the transaction for the first time and PIN can change at any time. The new PIN resulting from the amendment shall serve as the basis for verification for the Bank for the Customer's transaction.
3. If the Customer enters the PIN incorrectly up to 3 (three) times in a row or the Customer forgets the PIN number causing the Electronic Banking Services to be blocked automatically or cannot be used to make transactions, then reactivation can only be done by contacting a Bank officer or visiting an Office The nearest Bank branch and meet the requirements determined by the Bank.
4. The customer is obliged to maintain the confidentiality of the PIN or other access codes properly and follow the provisions/instructions provided by the Bank.

V. USE OF ELECTRONIC BANKING SERVICES BY NOT ENTITLED PARTY

1. If an unauthorized party uses the Electronic Banking Service or electronic media (such as ATM card is stolen/lost/forged, missed the mobile phone or for any reason), the Customer should immediately notify via Ok! Customer Care or visit the nearest branch office. Then Customer may apply for a change of PIN, Password or ATM card replacement by the applicable provisions of the Bank.
2. The customer is required to report loss or theft of the ATM card and/and tokens to the Bank.

VI. BOOKKEEPING OF THE ELECTRONIC BANKING SERVICES TRANSACTIONS

1. Any transaction Electronic Banking Services resulting in changes to Account balances will be recorded/recorded in a Savings Book or Current Account.
2. Bank records, concerning the data, information or all transactions processed through the Electronic Banking Services are valid and binding evidence whether inside or outside the court.
3. The Customer is entirely responsible for all transactions made with the Electronic Banking Services (whether with or without the knowledge or permission of the Customer). The Customer hereby authorizes the Bank to debit the amount of funds in the Customer account in every transaction including withdrawals or transfers or expenditures by Bank transaction records.

VII. CANCELLATION AND TERMINATION/CLOSURE OF ELECTRONIC BANKING SERVICES

1. If the Customer decides to terminate/cancel the use of the Electronic Banking Service for any reason, then the Customer must visit the Branch Office on the day and working hours applicable to the Bank.
2. Electronic Banking Services as the transaction media will automatically terminate if the account closed for any reason.
3. Closure of Electronic Banking Services only made by the Customer or his / her proxy (based on Customer's power of attorney) at the branch office where the Customer opens an Account / Electronic Banking Service.
4. The Bank has the right to terminate the Electronic Banking Services if:
   a. The Customer dies.
   b. The Customer submits a request for closure of the Electronic Banking Service by visiting the Branch Office.
   c. The Bank performs a requirement by applicable laws and regulations.
   d. The Bank interrupts or discontinues the provision of Electronic Banking Services. Upon termination, the Bank notifies the Customer through media commonly used by Bank or other media.
   e. The Bank indicates any misappropriation of the Electronic Banking Service by the Customer or another third party about violation of the law and/or the Bank performs a requirement by applicable laws and regulations.

VIII. SPECIAL FOR ATM CARDS

1. An application for an ATM card application for a joint account with an "OR" status becomes the authority of the Customer; and Customer agrees to be liable if there is future dispute occur.
2. Customers must sign the cards behind the ATM in the available fields.
3. The Customer shall keep the ATM card properly and keep the PIN confidential in order not to be misused by unauthorized parties.
4. The customer is willing to pay administration fees for replacing the ATM card according to the provisions in force at the Bank.
5. ATM cards that are closed/returned to the Bank before they expire must be cut/destroyed to prevent card misuse.
6. Especially for joint account Customer, in case of loss of ATM card, the Customer may change the ownership of ATM card by making a statement letter approved by the parties forming a joint account.
7. ATM cards can be used as a means of payment for transactions at merchants in collaboration with banks. Cash withdrawal transactions using a network other than the Bank Oke Indonesia ATM network, will be charged a fee in accordance with Bank Oke Indonesia regulations.
8. All transactions conducted by the Customer will charge in Rupiah currency. The use of ATM cards in foreign currency will charge after conversion to Rupiah based on the exchange rate determined by the Bank.
9. In the case of the Customer transfers or withdraws funds through ATMs in a currency different from the accounts held, the Bank reserves the right to convert by using the relevant currency at the time the conversion made. The Client is aware and liable for the combined exchange rate fluctuation risk with the currency conversion.

IX. HANDLING COMPLAINT (COMPLAINT)

1. In the event that there are questions and / or complaints / complaints related to electronic banking service transactions carried out, the Customer can submit a complaint either in writing to the Bank Branch and / or verbally via Ok! Customer Care / email customercare@okbank.co.id.
2. The Customer may complain about the transaction of a maximum of 30 (thirty) business days from the date of the Transaction.
3. If the complaint filed in writing, the Customer is required to attach a copy of the Transaction evidence and other supporting evidence.

X. OTHERS

1. Bank makes this Electronic Banking Service for the benefit of Bank and Customer.
2. The Customer understands all risks arising from the use of Electronic Banking Services.
3. The Customer agrees to accept the Notification Service Banking Transaction.
4. Closure of the Banking Transaction Notification Service refers to the provisions of Article VII to these terms and conditions. Upon closing of Notification Service Banking Transaction will suspend some and/or all notifications of banking transactions occurring on the Customer's account, so that any banking transaction incurred on the Customer's account not informed to the Customer.
5. The Customer understands all risks arising from external factors that cause the Electronic Banking Services not to be accepted by the Customer or become inaccurate, unsafe or non-confidential (factors caused by couriers, telephone providers, internet providers and other factors outside bank control).
6. The Customer understands all losses or losses caused by the EB Services including but not limited to:
   a. Failure to deliver, delays, errors in delivery or delivery that is cut off as a result of e-mails or cell phones that are not working/active or unable to receive reports/Banking Transaction Notification Services/other services for any reason.
   b. Use of Electronic Banking Services for the purpose of money laundering or other criminal acts.
   c. The Bank does not or is late in receiving notification of changes to the Customer's e-mail address and/or telephone number.
7. The Bank provides this service for the convenience of the Customer in obtaining information, therefore the Bank with prior notification has the right to stop Electronic Banking Services temporarily or for a certain period of time determined by the Bank for the purposes of renewal, maintenance or for other purposes for any reason that considered good by the Bank.
8. The Customer shall bear the cost of the network, data and other charges related to the electronic media usage services used at the rates as determined by the Telecommunications service provider from time to time.
9. This Terms and Conditions is an integran and an inseparable part of the terms and conditions of the Customer of Bank Oke Indonesia and/or the opening account form has signed by the Customer.
10. The Customer agrees and acknowledges that the Bank is entitled to revise, amend or complete these terms and conditions. Any amendment, addition or renewal of this Terms and Conditions will be notified through the Branch Office and/or electronic means of the Customer/bank / by mail sent to the Customer's address, and such amendments shall be binding on the Customer by applicable provisions.
11. By signing this Terms and Conditions the Customer binds to all Terms and Conditions and informed the Bank has provided sufficient explanation regarding the characteristics of the Electronic Banking Service which will be used by the Customer, and Customer have read and understood all the consequences of using the Electronic Banking Services, including benefits, risks, and inherent costs in the Electronic Banking Services.
12. The customer agrees that these Terms and Conditions include but are not limited to all operational provisions and procedures that apply to the Bank related to the implementation of transactions and other banking services but are not limited to the terms and procedures for verification, both signature verification and electronic verification.
13. These Terms and Conditions have been by the provisions of the laws and regulations including the provisions of the Financial Services Authority rules.
14. This Terms and Conditions is made in Indonesian language ang English language version, however in terms of any different interpretation between both languages, thus the Indonesia language will prevail.