TERMS AND CONDITIONS GOVERNING ELECTRONIC BANKING SERVICES

The following Terms and conditions govern your use of Electronic Banking Services offered by Bank of China (Malaysia) Berhad (“BOCM”) for accounts held at BOCM. By accessing to and using of BOCM Internet Banking (BOCNET) and/or Mobile Banking Application, you agree to be bound by these Terms and Conditions and to the inherent risk in conducting any transaction over the Electronic Banking Services. The account holder of any accounts with BOCM may apply for the Electronic Banking Services with BOCM in accordance with and subject to the terms set out herein. The terms stated herein shall always be read together with the terms stated in the terms and conditions governing accounts (“the General Terms”) which the account holder had read, acknowledged and agreed to. In the event of any conflict or inconsistency between the terms herein and the General Terms, the terms herein shall prevail.

Please read these Terms and Conditions carefully before applying for the Electronic Banking Services.

Please note that after your registration for the Electronic Banking Services, we will not contact you, or ask anyone to do so on our behalf to ask for your security codes. If you receive any such request, whether written or verbal, from anyone (even if they are using our name and logo which may appear to you to be genuine or representing to you to be acting on our Bank’s behalf), it may be fraud and you must not disclose your security codes to them. Any such requests should be reported to us immediately.

DEFINITIONS

The following words have these meanings in these terms and conditions:

Account means the account held in your name(s) with us.

Application Form means the application form for the Electronic Banking Services or the Account opening application form.

BOCM refers to Bank of China (Malaysia) Berhad (511251-V).

BOCNET Service means the banking services which BOCM provides to you via the internet.

Business Day means a day, not being a Saturday, Sunday, or a Public Holiday, on which banks are open for business in Malaysia.

E-Token is the security device that produces a one-time password to access the Services.

Instruction means instruction given by yourself in respect of your Account(s) or any other transaction using the Services provided by BOCM via the Internet, mobile or any other available electronic medium.

Mobile Banking App or App means the mobile banking application provided by BOCM to be downloaded from Apple App Store, Google Play or Bank of China official website onto your smart phone or such other electronic devices to enable you to perform banking transactions through the internet connectivity.

Mobile Banking Service means the banking services which BOCM provides to you via the Mobile Banking App.

Services means the (i) BOCNET Service, (ii) Mobile Banking Service and / or (iii) other services which BOCM may provides or makes available from time to time to you under these Terms and Conditions.

Security Code refers to the user ID, password, verification code, whether generated by the E-Token or mobile device or such other device or method which BOCM may provide to the Account Holder to access and/or use the Services.

Website means BOCM’s official Internet Website, currently having domain address http://www.bankofchina.com/my

We, Us, and Our are references to BOCM, a company registered in Malaysia and having its registered office at Mezzanine Floor, Plaza OSK, 25 Jalan Ampang, 50450 Kuala Lumpur.

You, Your and Yours are references to the account holder requesting and using the Services.

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