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Article I In order to provide customers with better financial services, Panda Commercial Bank starts the E-bank business and drafts the articles of association in accordance with national laws, regulations and regulatory requirements.

Article II Panda Commercial Bank provides customers with E-bank services through communication channels accessible to the public or open public networks, specific self-service facilities or dedicated network established by customers.

Article III Panda Commercial Bank's E-bank services are provided to natural persons, legal persons or other organizations that comply with the laws of the Kingdom of Cambodia and relevant requirements of Panda Commercial Bank.

Article IV The branches of Panda Commercial Bank providing E-banking services, E-banking customers and other participants in E-banking transactions shall comply with the Articles of Association.

Article V Customers may register for E-banking business at the branches of Panda Commercial Bank, or through electronic channels such as the Internet, telephone, and mobile phone. Customers who register for E-banking services at Panda Commercial Bank shall provide relevant information in accordance with the requirements of Panda Commercial Bank and guarantee that the information provided is true, accurate, complete and effective. Panda Commercial Bank is entitled to review and verify the identity and information of customers.

In case of any change in the data and information provided by the customer the bank shall be notified in time to make respective changes. Where the customer fails to update the data and information in a timely manner, which causes failure to provide E-bank services or any errors in the provision the services by Panda Commercial Bank, the customer shall not use it as a reason to cancel the transaction and refuse payment, and shall bear corresponding responsibilities thereof.

Article VI Panda Commercial Bank's E-bank customer identity authentication methods (hereinafter referred to as the authentication methods) include digital certificates, dynamic passwords and static passwords, and other methods that can be used to identify customers. According to the different types of E-banking business, Panda Commercial Bank provides one or more authentication methods for customers to choose from.

Article VII Panda Commercial Bank provides customers with corresponding E-banking services according to customer types, registration status, authentication methods and application items. Customers registering at branches can enjoy more comprehensive E-bank services than self-registered and unregistered customers.

Article VIII Panda Commercial Bank shall regard all identification information used to authorize E-bank operations (including account number, card number, user name, phone or mobile phone number, terminal equipment information, etc.) set by customers in Panda Commercial Bank, as well as the subsequent operations of E-banking as the customers’ own conducts, and shall handle E-banking business based on the instructions issue by the customers as the valid source of evidence.

Article IX Customers shall abide by the relevant transaction rules of Panda Commercial Bank and shall carry out correct operations according to transaction prompts as they use E-banking.

Customers shall make payments within the scope of account payment capabilities (the account status shall be normal) and  strictly abide by the relevant laws and regulations of the payment and settlement business as they conduct electronic payment. The electronic instructions verified and executed by Panda Commercial Bank shall not be changed or revoked.

Article X For an individual customer who does not have full capacity for civil conduct, the guardian shall apply for registration and amendment of E-banking on behalf of the customer and abide by the Articles of Association and relevant provisions of E-bank service agreement.

Article XI In the event of the following circumstances, the customer shall timely go through the procedures for updating or replacing the corresponding identity authentication media (including USB key, E-bank password card and electronic cipher device, etc.):

(I) The validity period of the digital certificate or electronic cipher device is expired.

(2) The E-bank password card has reached the specified number of uses or is expired.

(3) The identity authentication medium is missing, cannot be used normally or its information is leaked.

Article XII E-banking customers shall pay attention to prevention of risks, which include but not limited to:

(I) Acquisition of E-banking login password, payment password or user name and other important information through guessing, peeping, or Trojan virus, fake website, fake text message, fake phone, which may lead to leakage of customer account information, theft of funds and malicious operations by others.

(II) Loss of password to E-banking card or acquisition of character or numerical contents on the card by others through peeping, taking photos, copying, and loss of login password at the same time, which may lead to theft of account funds.

(III) Theft or unauthorized use of identity verification media such as USB key, IC card, and electronic cipher, and simultaneous stealing of identity authentication media password, which may result in the theft of account funds.

(IV) Theft or unauthorized use of the customer's mobile phone, which may lead to the leakage of account and authentication information received on the mobile phone, and may lead to theft of account funds. If the customer changes the mobile phone number without cancelling the E-banking service registered with the original mobile phone number , the account information of the customer may be leaked when the original mobile phone number is issued to others by a telecommunications operator.

(V) Important information related to E-banking services, such as identification certificates, bank cards, reserved bank seals, may be misused or misappropriated by others in case of loss or improper storage, which may result in registration of E-bank by others and lead to leakage of account information and theft of funds.

Article XIII The customer shall take risk prevention actions and use E-banking safely. These actions shall include, but are not limited to:

(I) All important items or data related to E-bank services, including identification certificates, ban cards, passbooks, USB keys, IC cards, electronic ciphers, electronic bank password cards, reserved bank seals and mobile phones, shall be kept properly, and shall not be handed over to others or unauthorized persons for safekeeping. Personal information such as card number, passbook account number, ID number and common phone number shall not be given to unsecured websites or other occasions to prevent abuse.

(II) Your bank card password, passbook password, E-bank password, electronic ciphered password, USB key password and other important information shall be protected appropriately. Do not disclose to anyone, including bank personnel. Do not record and retain them on the computers, phones, mobile phones or other electronic devices. After E-banking services are accessed through a device that saves and displays input numbers, the stored password and account number shall be cleared immediately.

Customers shall log out from the E-banking system timely before temporary departure during use or after completing the transaction.

(III) Avoid using information that is obviously relevant to you (such as name, birthday, commonly used phone number and ID number) or characters with obvious regularity (such as repeated or consecutive numbers or letters) as the password; the password E-banking services shall be different from that for other purposes (e.g., bank card / passbook password, other website member password, instant messenger password, e-mail password); e-banking login password and payment password shall be set to different contents and frequently changed.

(IV) Take effective actions (e.g., installing authorized versions of operating systems, anti-virus software, and network firewalls and updating them in a timely manner) to protect the computer or mobile phone and other terminal devices used for E-banking to prevent information leakage or manipulation by others. Do not use E-banking on computers shared by multiple people, such as Internet cafes; do not use telephone banking via public phones. After changing the mobile phone number, the changes shall be promptly made in electronic banking services such as mobile banking and SMS authentication.

(V) Log in on to use online banking, or dial 023888801 or other designated telephone number issued by Panda Commercial Bank to use telephone banking. Log in on the mobile bank app to use mobile banking. For the E-banking  logged in on the client side, the client-side software shall be downloaded from the website of Panda Commercial Bank or the designated software download website. Customers shall not log in to E-bank through other websites, number, links or software.

(VI) Customers shall only use the account to make online payments to appointed merchants cooperating with Panda Commercial Bank. Do not make online payments on websites with unidentified sources or to merchants of unknown origin to prevent leakage of passwords and dynamic passwords.

(VII) When using the online banking for payment, customers shall not enable the remote assistance function of the operating system and software tools such as MSN and QQ, and shall make payment after verifying that the payee and payment amount are correct; after completing operation and exiting the E-bank safely, customers shall also timely remove customer certificate media such as USB key and IC card and keep them properly.

(VIII) Customers shall always pay attention to fund changes in the account. In case of any account operation by a third party, electronic bank password leakage or other suspicious circumstances, customers shall immediately go through the procedures of account suspension, password reset, and identity authentication media replacement.

Article XIV Panda Commercial Bank shall take corresponding responsibilities for the loss of funds in the customer’s account due to internal violations of the bank or other reasons attributed to the bank as stipulated by the law. Panda Commercial Bank shall not take the corresponding responsibilities if the loss of the customer is caused by leakage of transaction password, improper storage of identity authentication media such as USB key, failure to perform the obligations for risk prevention and confidentiality or other causes on the customer’s side.

Panda Commercial Bank shall not take any corresponding responsibility for the  loss of customers due to force majeure, computer hacker attacks, system failure, communication failure, network congestion, power supply system failure, computer viruses, malicious program attacks, and other conditions that cannot be attributed to Panda Commercial Bank.

Article XV In order to provide better services to customers and ensure the security of customers’ accounts and funds, Panda Commercial Bank may send text messages, emails to customers or communicate with them on phone according to the contact information retained by customers at the bank. After receiving the relevant information, customers shall actively cooperate with bank to ensure the security of their accounts and funds.

Under no circumstances will Panda Commercial Bank actively request customers to transfer funds to a designated account by mail, text message, phone, etc., nor will we ask customers to reveal login passwords. If others (including bank personnel) request for the disclosure of login password from a customer, the customer shall reject it. Customers who receive text messages or emails that require or guide customers to enter E-banking passwords or dynamic passwords, or require customers to transfer funds to an account, shall remain vigilant and carefully identify the authenticity of the information. If in doubt, they shall timely dial the service hotline 023888801 or go to a branch of Panda Commercial Bank for inquiry.

Article XVI When a customer reports the loss of bank card through E-banking, the report of loss shall come into effect immediately after the bank card loss reporting procedures are completed. Panda Commercial Bank shall not take any responsibility for the economic losses incurred before the report of loss takes effect.

The report of bank card loss through E-banking is temporary. The report of loss will take effect immediately after the reporting procedures are completed. The temporary report of loss is valid for 15 days. When the period is expired, the temporary report of loss will be no longer valid. The customer have to go to a branch of the bank to complete the formal reporting procedures or renew the temporary report timely. Panda Commercial Bank shall not be liable for the economic losses incurred by the customer’s account media above before the temporary reporting takes effect or after the temporary reporting has become invalid.

The customer have to visit a branch of Panda Commercial Bank to go through the procedure for cancelling the report of loss.

Article XVII When customers handle E-bank business, they have to pay related fees in accordance with the charging standards for E-bank business. In case of any changes to the charging standards, Panda Commercial Bank will notify customers in advance through appropriate methods such as announcements on official website or bank branches without any notification on an one-to-one basis.

Article XVIII Panda Commercial Bank is entitled to suspend or terminate the customer’s E-banking services in the event of one of the following:

(I) Customers gain illegal profit or cause losses to others taking advantage of the errors and failures of the E-bank system; use E-banking for improper transactions for malicious or other illegal purposes.

(II) Criminals misappropriate E-banking in the name of the customer or other incidents that endanger the security of the customer’s fund occurred or suggest potential for such incidents to occur.

(III) Customers have not used the E-bank services for more than 3 consecutive years after registration and have not paid service fees on time.

(IV) Customers have registered for E-banking with false certificates, invalid certificates or certificates of others.

(V) When the customer handles the E-banking service using specific terminal information (such as mobile phone / phone number, email address, device identification code), the terminal information provided is incorrect or the bank is not notified of the change after the terminal information is changed, causing the bank’s  failure to provide corresponding services for terminal owners normally.

Article XIX Panda Commercial Bank is entitled to upgrade or adjust the E-banking business functions and related transaction rules according to business development needs and shall notify customers through appropriate methods such as website announcement and transaction tips, and customers shall handle E-banking service according to the upgraded and adjusted business functions or transaction rules.

Article XX Panda Commercial Bank will not disclose customers’ sensitive information to any third party without customers’ authorization in the E-bank service operation process, unless otherwise specified in national laws and regulations.

Article XXI Customers shall confirm compliance with relevant E-banking service agreements and business instructions during use of e-banking. In case the service functions used by customers involve other business of Panda Commercial Bank, they must also comply with the relevant articles of association, agreements or transaction rules; where the service functions used involve third parties, the third parties’ transaction rules shall be also complied with.

Article XXII If customers encounter problems or cannot enjoy the E-banking services in the process of handling E-bank business, they may use or consult by means of the following:

(I) Look up the website of Panda Commercial Bank or consult through the online message of the website.

(II) Dial the service hotline of Panda Commercial Bank at 023888801.

(III) Visit a branch of Panda Commercial Bank.

Article XXIII In the event of any dispute in the process of using E-banking service, customers may resolve it through negotiation with Panda Commercial Bank in accordance with the laws and regulations, the articles of association and relevant service agreements.

After reporting the abnormal status of the E-bank to Panda Commercial Bank, customers shall cooperate with Panda Commercial Bank to conduct relevant investigations and shall be responsible for the authenticity of the information provided.

Article XXIV The Articles of Association shall be drafted, revised and explained by Panda Commercial Bank. Where Panda Commercial Bank revises the Articles of Association, it shall announce the revised Articles of Association through appropriate methods such as bank branches and website. In case customers decide not to continue the use E-bank of Panda Commercial Bank due to disagreement on the revised Articles of Association during the announcement period, they may go through the procedures for E-banking cancellation. Where the E-banking is not cancelled after the announcement period, customers shall be deemed as accepting the revised Articles of Association.

Article XXV The Articles of Association shall become effective as of Feb. 29, 2020.

Copyright © 2020 Panda Commercial Bank PLC.