User Guide - Baiduri Bank

CONTENTS
Page
Welcome ..……………………………………………………………………………………………… 2
1. Login ……………………………………………………………………………………………. 3
1.1 Login with Mobile Authentication …………………………… 3
1.2 Login with Token Authentication ……………………………. 3
2. Account Information …………………………………………………………………….. 4
2.1 Viewing recent transactions ………………………………….. 4
2.2 Download as PDF …………………………………………………. 5
2.3 Download as CSV …………………………………………………. 5
3. Funds Transfer ……………………………………………………………………………. 6
3.1 Funds transfer within Baiduri Bank ……………………….. 6
3.2 Funds transfer to another local bank …………………….. 8
3.3 Funds transfer to an abroad bank …………………………. 10
4. Bill Payment Service …………………………………………………………………….. 13
5. MasterCard CashCard Top-Up ………………………………………………………. 14
6. Prepaid Top-Up ……………………………………………………………………………. 15
7. Customer Service ………………………………………………………………………… 16
7.1 Cheque Book Request ………………………………………….. 16
7.2 Currency Exchange Rates ……………………………………... 17
7.3 Interest Rates ………………………………………………………. 17
8. Account Maintenance ………………………………………………………………….. 18
9. User Administration ……………………………………………………………………… 19
9.1 Change User ID …………………………………………………….. 19
9.2 Change Password …………………………………………………. 19
9.3 Change Online Daily Limits ……………………………………. 19
10. Send Email to the Bank ………………………………………………………………… 20
11. Logout …………………………………………………………………………………………. 21
12. Frequently Asked Questions (FAQ) ………………………………………………… 22
13. Terms & Conditions ……………………………………………………………………… 25
14. Disclaimer …………………………………………….…………………………………….. 30
1

Welcome
As a registered user of Baiduri Personal i-Banking, you would have received the following:
• User ID
• Password
• Token (if you have selected token authentication)
It is advisable that you change your User ID and password during your first successful login.
Security Features
Login alerts
When you login to i-Banking, you will receive an automatic email notification. If you have registered for token
authentication, you will also receive an SMS notification.
Browser Timeout
If there is no activity for a period of 3 minutes, an alert message will prompt asking if you wish to continue your
session.
Session Timeout
Your i-Banking session will automatically timeout if there is no activity for a period of 12 minutes. To resume,
simply log in again.
Need help?
Contact E-Banking Centre at 2425644 or email ebanking@baiduri.com if:
• You need any assistance with Personal i-Banking
• You have any enquiries or problems with the service
2

1. Login
Step 1
Step 2
Step 3
Key in your User ID and Password.
Select Mobile Authentication or
Token Authentication.
Click Login.
Please note that your access will be blocked after
5 unsuccessful consecutive login attempts.
1.1 Login with Mobile Authentication
Step 1
Step 2
Your mobile phone will receive a call
from 2269000. Answer the call
On your mobile phone, key in the
One Time PIN (OTP) shown on the
i-Banking screen
1.2 Login with Token Authentication
Step 1
Step 2
Press the button on your Token
once to generate a 6-digit
One Time PIN (OTP).
Enter OTP and click Submit.
3

2. Account Information
This page displays a summary of all your accounts, including overdrafts, loans, credit cards and
MasterCard CashCards.
2.1 Viewing recent transactions
Click on an account number to view transactions details. A breakdown of the transactions in the last 7
days will be displayed. You can also view your transaction details for the last 1, 3, 6 and 12 months, or
specify a date range.
4

2. Account Information
2.2 Download as PDF
You can download your transaction details in PDF format, which resembles a paper statement.
2.3 Download as CSV
Your transaction details can also be downloaded in CSV format, which enables you to easily import the
data into your accounting software or spreadsheet.
5

3. Funds Transfer
The Funds Transfer menu allows you to transfer funds from your Baiduri Bank/Finance Account to an
account:
• Within Baiduri Bank
To your own account or to a third party account within Baiduri Bank/Finance
• Another local bank
This is a cashier’s cheque to a bank within Brunei
• An abroad bank
This is a telegraphic transfer to a bank outside Brunei
3.1 Funds transfer within Baiduri Bank
Step 1
Step 2
From Account: From the drop down list, select the Account Number which you wish to
transfer funds from.
To Account: Select a predefined Beneficiary Account Number from the drop down list or
create a ‘New Baiduri Beneficiary’ which you would like to transfer funds to.
To create a ‘New Baiduri Beneficiary’, enter the 13-digit Beneficiary Account Number
and a Beneficiary Description for your easy reference. After you have completed a funds
transfer, the new beneficiary will be saved automatically and will appear in the To
Account drop down list.
Step 3
Step 4
Amount: Enter the amount (in Brunei Dollars) you wish to transfer. Click on the Currency
Converter if you would like to calculate a conversion of the amount in another currency.
Payment Description: Enter details of the payment for your own reference.
6

3. Funds Transfer
Step 5
Click Submit to proceed with the transfer or Clear to re-enter the details.
Step 6
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the transfer or Back to amend the transaction details.
After you click Confirm, a result page will show the status of the transaction.
Step 7
Click Save Transaction if you wish to save this transfer for future use, or Next
Transaction to make another transfer within Baiduri Bank/Finance.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions dropdown
list, located below the main menu. You will then be able to quickly make a similar
transaction in the future.
7

3. Funds Transfer
3.2 Funds transfer to another local bank
Step 1
Step 2
From Account: From the drop down list, select the Account Number which you wish to
transfer funds from.
To Beneficiary: Select a Beneficiary from the drop down list or create a ‘New Local Bank
Beneficiary’ which you would like to transfer funds to.
To create a ‘New Local Bank Beneficiary’, enter the Beneficiary Description, Beneficiary
Bank, Beneficiary Name and Beneficiary Account Number. After you have completed a
funds transfer, the new beneficiary will be saved automatically and will appear in the To
Beneficiary drop down list.
Step 3
Step 4
Step 5
Step 6
Amount: Enter the amount (in Brunei Dollars) you wish to transfer. Click on the Currency
Converter if you would like to calculate a conversion of the amount in another currency.
Payment Description: Enter details of the payment for your own reference.
Tick the check box to accept the Terms and Conditions & Tariffs.
Note: There is a cut-off time for transactions to be valued on the same day. Tariff
charges apply as per Terms and Conditions & Tariffs .
Click Submit to proceed with the transfer or Clear to re-enter the details.
8

3. Funds Transfer
Step 7
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the transfer or Back to amend the transaction details.
After you click Confirm, a result page will show the status of the transaction.
Step 8
Click Save Transaction if you wish to save this transfer for future use, or Next
Transaction to make another transfer to another local bank.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions dropdown
list, located below the main menu. You will then be able to quickly make a similar
transaction in the future.
9

3. Funds Transfer
3.3 Funds transfer to an abroad bank
10

3. Funds Transfer
Step 1
Step 2
From Account: From the drop down list, select the Account Number which you wish to
transfer funds from.
To Beneficiary: Select a predefined Beneficiary Account Number from the drop down list
or create a ‘New Abroad Bank Beneficiary’ which you would like to transfer funds to.
To create a ‘New Abroad Bank Beneficiary’, enter the Beneficiary Description,
Beneficiary Name, Beneficiary Account Number, Currency of Remittance, Beneficiary
Bank, Branch, Address and Country. After you have completed a funds transfer, the new
beneficiary will be saved automatically and will appear in the To Beneficiary drop down
list.
Step 3
Step 4
Step 5
Step 6
Step 7
Amount: Enter the amount (in the currency you specified) you wish to transfer. Click on
the Currency Converter if you would like to calculate a conversion of the amount in
another currency.
Payment Description: Enter details of the payment for your own reference.
Tick the check box to accept the Terms and Conditions & Tariffs.
Note: There is a cut-off time for transactions to be valued on the same day. Tariff
charges apply as per Terms and Conditions & Tariffs.
Click Submit to proceed with the transfer or Clear to re-enter the details.
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the transfer or Back to amend the transaction details.
11

3. Funds Transfer
After you click Confirm, a result page will show the status of the transaction.
Step 8
Click Save Transaction if you wish to save this transfer for future use, or Next
Transaction to make another transfer to another local bank.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions dropdown
list, located below the main menu. You will then be able to quickly make a similar
transaction in the future.
12

4. Bill Payment Service
The Bill Payment Service allows you to make bill payments to Baiduri Credit Cards (American Express,
Visa and MasterCard), Baiduri Finance hire purchase, B.Mobile, DST and TelBru.
Step 1
Step 2
From Account: From the drop down list, select the Account Number which will be
debited for the payment.
To Bill Payee: Select a payment account from the drop down list or set up a ‘New Billing
Account’.
To set up a ‘New Billing Account’, please enter the Billing Description (for your own
reference), Billing Organization and Billing Account Number. After you have completed a
bill payment, the new billing account will be saved automatically and will appear in the
To Bill Payee drop down list.
Step 3
Step 4
Step 5
Step 6
Step 7
Amount to pay: Enter the amount (in Brunei Dollars).
Payment Description: Enter details of the payment for your own reference.
Click Submit to proceed with the payment or Clear to re-enter the details.
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the payment or Back to amend the transaction details.
After you click Confirm, a result page will show the status of the transaction. Click Save
Transaction if you wish to save this transaction for future use, or Next Transaction to
make another bill payment.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions dropdown
list, located below the main menu. You will then be able to quickly make a similar
bill payment in the future.
13

5. MasterCard CashCard
Top Up
Transfer funds from your account to any Baiduri MasterCard CashCard.
Step 1
Step 2
From Account: From the drop down list, select the Account Number to be debited.
To MCC Card: Select a predefined MasterCard CashCard from the drop down list or set
up a ‘New MCC Card’.
To set up a ‘New MCC Card’, enter an MCC Card Description (for your own reference)
and the 16-digit MCC Card Number. After you have completed a top-up, the new MCC
Card will be saved automatically and will appear in the To MCC Card drop down list.
Step 3
Step 4
Step 5
Step 6
Amount: Enter the amount (in Brunei Dollars) you wish to top-up.
Click Submit to proceed with the top-up or Clear to re-enter details.
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the top-up or Back to amend the details.
After you click Confirm, a result page will show the status of the transaction. Click Next
Transaction to make another MCC top-up.
14

6. Prepaid Top-Up
You can purchase prepaid mobile phone top-up for both Easi and B.Mobile Prepaid.
Step 1
Step 2
Step 3
Step 4
Step 5
Step 6
From Account: From the drop down list, select the Account Number to be debited.
Biller: From the drop down list, select DST or B.Mobile.
Top-up Value: From the drop down list, select the denomination you wish to purchase.
Click Submit to proceed with the top-up or Clear to re-enter details.
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the top-up or Back to amend the details.
After you click Confirm, a result page will show the status of the transaction. Click Next
Transaction to make another top-up.
15

7. Customer Service
The Customer Service menu allows you to:
• Perform Cheque Book Request (applicable to current account holders only)
• View the current Currency Exchange Rates
• View the current Interest Rates
7.1 Cheque Book Request
This service is only available to Current Account holders.
Step 1
Step 2
Step 3
Step 4
Step 5
Step 6
Account Number: Select the Account Number for which the cheque book is to be
issued.
Number of Leafs: Each cheque book contains 25 leafs.
To be collected at: Select your preferred branch for collection of cheque book.
You will receive a call from the Bank when your cheque book is ready for collection.
Click Submit to proceed with the request or Clear to amend the details.
After you click Submit, a confirmation page will display the details you have inputted.
Click Confirm to proceed with the request or Back to amend the details.
After you click Confirm, a result page will show the status of the transaction.
16

7. Customer Service
7.2 Currency Exchange Rates
This page displays the daily exchange rates. It also serves to provide you with an indicative rate should
you wish to make a funds transfer to an abroad bank.
7.3 Interest Rates
This page displays the interest rates for Term Deposits and Passbook Savings accounts.
17

8. Account Maintenance
View and delete accounts which you have previously created or added within different sections of Personal
i-Banking, such as Baiduri Bank Beneficiaries, Local Bank Beneficiaries, Abroad Bank Beneficiaries, Bill Payment
Accounts and MCC Accounts.
The accounts you have set up are shown in the table. To remove any of the accounts listed, tick the Delete
checkbox corresponding to the account, and click Submit. You may select more than one account to be deleted.
The selected account(s) will be highlighted. Click Confirm to proceed.
Upon confirmation, a result page will display the status of the account(s) deleted.
18

9. User Administration
9.1 Change User ID
Create a User ID which is easy for you to remember. Your new User ID must be 6 to 12 characters in
length, and can be alphabetical, numeric or alphanumeric.
9.2 Change Password
It is advisable to change your password regularly. Create a password that is difficult to guess, but easy to
remember. Your new password should not be the same as your User ID, and must be at least 6
alphanumeric characters and contain at least one symbol. For example: B@idur1.
9.3 Change Online Daily Limits
Set up your online daily limits for Funds Transfers and Bill Payments.
To change your online limit, enter your New Limit in the corresponding input box. Please note that you
must set a new limit which is lower than the default Global Limit. Click Update and a confirmation page
will show the details you have inputted. Click Confirm for the change to be effected.
19

10. Send Email to the Bank
Click on the
icon at the top left corner of the screen to view messages received from the Bank. You
can also send emails to the Bank by clicking on Send New Mail. Emails that have been sent will be saved under
Sent Items.
20

11. Logout
Click the
button on the top right of the screen to log out of Personal i-Banking. A User Activity Log will
display a summary of the activities you have performed during this session. You may wish to print this page for
your record.
21

12. FAQ
What is Baiduri i-Banking?
Baiduri i-Banking is a safe and secure service which allows you to perform your banking transactions online. With
Baiduri i-Banking, you can manage your finances 24 hours a day, 7 days a week from the comfort of your home or
office, or virtually anywhere in the world.
What do I need to access Baiduri i-Banking service?
You will need internet access and a personal computer with Internet browser software running either Microsoft
Internet Explorer 6.0 SP1 or above or Netscape Navigator 7.2 or above.
Who can apply for Baiduri i-Banking?
To enjoy the convenience of Baiduri i-Banking, you need to be at least 18 years old and maintain one or more of
the following accounts with Baiduri Bank Group (Terms & Conditions apply)
• Baiduri Bank Passbook Savings Account
• Baiduri Bank Statement Savings Account
• Baiduri Bank Current Account
• Baiduri Bank 1-Account
• Baiduri Finance Multi-Tier Savings Account
• Baiduri Credit Cardholders (only for viewing of online credit card statements)
How do I register for Baiduri Personal i-Banking?
Registration is free and can be done:
• online
• at any Baiduri Bank branch
What documents are required?
Your valid IC or passport for identification
Is Baiduri i-Banking secure?
Baiduri i-Banking uses industry standard 128-bit strong SSL encryption to protect your confidential data in
addition to other security features such as unique User ID and Password, mobile phone and/or token
authentication log in and automatic timeout feature.
How much does this service cost?
Registration to Baiduri Personal i-Banking service is free. However, if you are using mobile phone authentication,
your mobile phone service provider (DST or B-Mobile) will charge you accordingly for incoming calls required
during each login.
How soon can I start to use the Baiduri Personal i-Banking service?
After successful registration, you will be issued a User ID and password. You can start banking online after you
have received a notification via sms from the bank informing you that your access to Baiduri i-Banking has been
activated.
22

12. FAQ
How do I log in to Baiduri Personal i-Banking for the first time?
1. Visit www.baiduri.com
2. Click “Personal i-Banking” under login to i-Banking
3. Enter your User ID and Password as given by the bank. Select mobile or token authentication. Click login;
4. (a) For mobile authentication:
• The One Time PIN (OTP) will be shown on the next page
• Your mobile phone will ring shortly and register a call from the bank at 226 9000
• On your mobile phone, key in the OTP shown on the i-Banking screen.
(b) For token authentication:
• Enter One Time PIN generated from the token in the field provided on the next page
5. Upon successful mobile or token authentication, the Terms & Conditions page will appear on the computer
screen
6. Click on “I agree” to accept the Terms & Conditions
7. Proceed to change your User ID and Password if you wish or proceed to do your transactions online
Can I link an international mobile phone number to access Baiduri Personal i-Banking?
No, only locally registered mobile phone numbers can be used.
Can I access Baiduri Personal i-Banking while I am overseas?
Yes, you can. Roaming charges by your mobile phone operator will apply for mobile phone authentication.
Alternatively, you may request a token from Baiduri Bank if you are traveling overseas frequently.
What if I encounter “Your mobile phone authentication is unsuccessful”?
This can be caused by poor network coverage or entering the wrong PIN. If problem persists after several
attempts, please contact our E-Banking Centre at 2425644 or email ebanking@baiduri.com for further
assistance.
Can I access information on all my accounts with Baiduri Personal i-Banking?
You can access all accounts registered under your name and also your joint account(s) provided the joint account
is operated on a single signing authority basis i.e. where the account mandate stated “EITHER ONE TO SIGN” or
“ANY ONE TO SIGN”.
Will I be charged for making a funds transfer?
Funds transfers within Baiduri Bank are free. However, tariff charges are applicable for funds transfers to other
local banks and abroad.
Will I be charged for making a bill payment?
Any bill payments made are absolutely free.
23

12. FAQ
Is there any cut-off time for funds transfer or chequebook requests submitted via Baiduri Personal
i-Banking?
There is a cut-off time for transactions to be valued/processed on the same day. Baiduri Bank’s Terms &
Conditions apply.
How can I be sure that my transaction has gone through?
Once you confirm the transaction, your transaction will be logged. When you log out, a list of all successful
activities and transactions performed will be displayed on your transaction summary which you can print out for
reference.
How long should my User ID be?
Your User ID must be 6 to 12 characters in length and can be numeric, alphabetical or alphanumeric.
How long should my Password be?
Your password must be at least 6 characters in length. A good password must be alphanumeric and contain at
least one symbol for e.g. B@idur1.
What should I do if I have forgotten my User ID/password?
Please visit your nearest Baiduri Bank branch to request for a new User ID/password.
Is there any restriction on the number of login attempts?
Your i-Banking service will be blocked after five (5) unsuccessful consecutive login attempts. Please visit your
nearest Baiduri Bank branch to request for a new User ID or password.
Why do I experience slow response while trying to access Baiduri Personal i-Banking service?
The slow response could be due to the following:
• You are not using the recommended hardware or browser software
• Technical problems with the Internet Service Provider, Local Area Network or our system
What if I encounter difficulty in accessing the Baiduri Personal i-Banking service?
Please contact our E-Banking Centre at 242 5644 or email at ebanking@baiduri.com
24

13. Terms & Conditions
GENERAL
1. Baiduri Bank Group (“the Bank”) may at its sole and absolute discretion make available to the customer
who has opened one or more accounts with the Bank (“the Customer”) the use of Baiduri i-Banking in
respect of or in connection with any of the account(s) of the Customer.
2. The Customer may apply to the Bank for the use of the i-Banking Service, but the Bank reserves the right
at its sole discretion to reject or accept such applications and the Bank is not obliged to respond to any
request for information from unsuccessful applicants or to assign any reason for such rejection.
3. The Customer may apply to use the i-Banking Service for joint account(s) provided that such joint
account(s) is operated on a single signing authority basis (i.e. where the mandate to operate such
account(s) allows either party to sign). The Bank will not approve applications for the i-Banking Service in
respect of joint account(s) if such joint account(s) requires two or more signatories to operate.
4. The Customer must be of 18 years or above to qualify for the use of the i-Banking Service. Upon the
acceptance of the Customer’s application, the Bank will link the Customer’s own account(s), joint
account(s) and/or pre-selected 3rd party account(s) as specified in the Customer’s application form and
approved by the Bank to the i-Banking Service. Accounts accessed using the i-Banking Service exclude
trust accounts.
FEES, INTEREST AND OTHER AMOUNTS
1. The Bank may charge fees to the Customer from time to time for the provision of any service, software or
equipment in connection with the i-Banking Service and in accordance with any fee schedule, letter or
proposal from the Bank from time to time. The Customer shall pay to the Bank all fees, interest and other
amounts due to or incurred by the Bank in respect of any service, software or equipment, free from
deductions and exclusive of any tax from time to time in force, which will be the responsibility of the
Customer. The Customer hereby authorises the Bank to debit any of the Customer’s accounts with any of
the aforesaid fees or charges.
TERMINATION
1. Either party may terminate the i-Banking Service by giving a written notice to the other and upon giving of
such notice, the i-Banking Service shall be terminated immediately. A written notice given pursuant to this
Clause shall be deemed given on the day of despatch (if sent by hand) or within three (3) days of posting
if sent by pre-paid registered post.
2. Upon such termination, the Customer shall return to the Bank all related user guide and other bank
information supplied by the Bank to the Customer, within 5 business days of the termination of the
Service The Bank may (as appropriate) take immediate possession of all relevant bank information
supplied by the Bank and all copies thereof, provided that the Bank has first requested its return and has
given 5 business days’ written notice of its intention to take such possession.
3. In the event any of the account(s) of the Customer which is linked to the i-Banking Service is terminated/
closed for any reason whatsoever, the i-Banking Service in relation to that account (s) shall be terminated
concurrently, without any further notice to the Customer.
4. All provisions of these terms and conditions, which by their nature should survive, such as warranty,
disclaimers, limitations of liability, confidentiality, and governing law will survive termination of this
service.
25

13. Terms & Conditions
TRANSACTIONS
1. Transactions on the Customer’s accounts made through the i-Banking Service are subject to the following
daily funds transfer limit and such limit imposed may be varied by the Bank from time to time at its
absolute discretion. Subject to the Bank’s rights to vary the limits, the aggregate total maximum daily
transfer and withdrawal limit for all the Customer’s accounts is BND20,000.00 (BRUNEI DOLLARS:
TWENTY THOUSAND ONLY), which is apportioned to such services as follows:-
a) Funds Transfer within Baiduri Bank Group, other local bank in Brunei and abroad via
Telegraphic Transfer – maximum BND15,000.00 (BRUNEI DOLLARS: FIFTEEN THOUSAND
ONLY) per day.
b) Bill Payment - maximum BND5,000.00 (BRUNEI DOLLARS: FIVE THOUSAND ONLY) per day.
The Customer may specify a higher maximum daily limit subject to the condition that the
Customer takes full responsibility for the higher limit the Customer has set.
2. The Bank is not obliged nor liable to make such payments or transfers in respect of or in connection with any
transactions performed or effected by the Customer if the Customer has not maintained sufficient funds in
the Customer’s account(s) specified by the Customer at the time the transaction is performed or effected. The
Customer should ensure that there are sufficient funds in the specified Customer’s account(s) with the Bank
before completing or effecting transactions.
3. In respect of payments, remittances or fund transfers to other banks or organizations, the Bank is not under
any obligation whatsoever to the Customer to verify or check the accuracy or correctness of the account
numbers or the identity of the account holders of any account with other bank or organization (whether
accounts belong to the Customer or otherwise). Where payments, remittances and/or funds transfers are
made to other banks and /or organizations, the Bank shall not be responsible for any loss, claim and/or
damage caused to or suffered by the Customer or any other third party arising from non-acceptance or
rejection by the receiving banks or organizations or any failure, delay or error by the receiving banks or billing
organizations in crediting the account of the payee or beneficiary as specified by the Customer).
4. The Bank reserves the right at any time and from time to time to, without giving prior notice, (i) set, vary or
cancel monetary limits as specified in clause 1 above; and/or (ii) amend, change and vary the terms and
conditions for any transactions, facilities, services and products that may be carried out through the use of the
i-Banking Service.
5. Any transaction instructed by the Customer to be made, performed, processed or effected by with or through
the use of the i-Banking Service prior to the relevant cut-off time as designated by the Bank from time to time
at its sole discretion on any given day will in most cases be effected, entered, shown or recorded in the Bank
on the same day. Transactions may take longer to be processed and effected if they are instructed after the
cut-off time, or instructed on a Saturday, Sunday, public holiday or a non-banking day or if the other receiving
banks or billing organizations do not process the transactions as soon as they receive the details of such
transactions.
6. The Bank reserves the right to decline, refuse or to delay the performance of any transaction requested by the
Customer through the i-Banking Service for any reason whatsoever (including but not limited to where there is
a suspected breach of security, or if a requested transaction exceeds the maximum limit) and the Bank is not
liable to the Customer for such refusal or delay.
SECURITY AND CONFIDENTIALITY
1. The Bank has no duty to check for and shall not be liable for errors or omissions made by the Customer
or the duplication of any instruction by the Customer.
2. The Bank may refuse to execute any instruction where the Bank reasonably doubts its contents,
authorization, origination or its compliance with the procedures.
26

13. Terms & Conditions
3. If the Customer informs the Bank that the Customer wishes to recall, cancel or vary an instruction after it
has been received by the Bank, the Bank may (but is not obliged to) use its reasonable efforts to assist
the Customer to do so, and shall not be liable for any loss, cost or expense suffered by the Customer if
the Bank does not or is unable to vary, cancel or recall that instruction. The Customer hereby agrees to
indemnify the Bank against any loss, liability, claim or expense (including legal fees) it may incur in
connection with assisting the Customer to recall, cancel or varying an instruction.
4. The Customer is advised not to give instructions or directions to the Bank to perform a transaction or
otherwise or in respect of any matter concerning the Customer’s accounts via e-mail. The Bank is under
no obligation whatsoever to the Customer to act on any instructions or directions received via e-mail or to
reply to any e-mail inquiries (whether digitally signed or not) from the Customer.
5. Once the Customer’s application to use i-Banking Service has been approved by the Bank, the Bank will
provide the Customer with the Baiduri Personal i-Banking Service Personal Identification Number (PIN),
User ID, Token PIN and Token. The Customer is allowed access to the Service and to perform any
available banking transaction once the PIN, User ID and Token ID are correctly keyed in by the Customer
and the Customer has agreed with terms and conditions stated therein.
6. The Bank may at anytime at its sole and absolute discretion terminate, suspend or vary any service
provided under the i-Banking Service or invalidate or replace any of the PIN, User ID, Token PIN and
Token without assigning any reason and without prior notice to the Customer and shall not be liable or
responsible for any loss or damage suffered by or caused by the Customer arising out or connected with
or by reason of such termination, suspension, variation, invalidation or replacement.
7. The PIN, User ID, Token PIN and Token shall only be used by the Customer of the i-Banking Service to
whom the PIN, User ID, Token PIN and Token are issued and provided to the Customer at the request of
the Customer. Authorization by the Customer to a third party to collect the PIN, User ID, Token PIN and
Token will not be allowed by the Bank.
8. The Customer shall exercise extreme care and precaution to prevent the disclosure or unauthorized use
by third parties of the PIN, User ID, Token PIN and Token. The token shall be kept in a secure place under
lock and key by the Customer if not used.
9. The Customer shall notify the Bank immediately if any of the PIN, User ID, Token PIN or Token is disclosed
to or used by (or is suspected to be disclosed to or used by) unauthorised third parties, or is lost or
misplaced through theft or otherwise. Until such notification is actually communicated to the Bank (which
notification is deemed communicated to the Bank upon the Customer submitting to the Bank the duly
completed form as specified by the Bank and signed by the Customer), the Customer shall remain
responsible for all transactions conducted through the i-Banking Services by any unauthorised person or
for any unauthorised purpose and the Bank is not responsible for such loss or damage suffered by the
Customer.
10. The Customer must not leave the computer terminal unattended nor allow any third party to use the
computer terminal once logged on to the i-Banking Service. If the Customer leaves the computer terminal,
the Customer must log off the i-Banking Service first. The Customer shall ensure that the Customer has
logged off from the i-Banking Service at the end of every session.
11. In the case of a joint account, if the Customer to whom the PIN, User ID, Token PIN and Token were
issued by the Bank is no longer a joint account holder, the Customer shall immediately notify the Bank
and notwithstanding such notification, the Customer shall be jointly and severally responsible and liable
for any transaction performed or effected through the joint account prior to and up to the date of receipt
of such notification by the Bank (which notification is deemed communicated to the Bank upon the
Customer submitting to the Bank the duly completed form as specified by the Bank and signed by the
Customer).
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13. Terms & Conditions
12. In the event that any of the Customer’s PIN, User ID, Token PIN or Token is exposed, stolen or lost due to
any unauthorized or other hardware device(s) attached or loaded and/or software program(s) loaded or
installed to/in computer or device which is used to access the i-Banking Service, the Bank shall not be
responsible nor liable for any loss, damage, embarrassment thereby incurred or suffered (whether
directly or indirectly) by the Customer for any transaction that was initiated before the loss or the
compromise is actually communicated to the Bank. Reports of such loss or compromise to the Bank shall
be deemed communicated to the Bank upon the Customer submitting to the Bank the duly completed
form as specified by the Bank and signed by the Customer).
13. The Bank is not responsible to prove that any unauthorized transaction is due to the above security
breach. The Customer is solely responsible for the performance and protection of any internet browser
14. used in connection with the i-Banking Service including adoption of security measures recommended
from time to time by the providers of such browsers.
LIABILITY AND INDEMNITY
1. The Customer shall notify The Bank immediately upon receipt of data or through the i-Banking Service
that is not intended for the Customer. The Customer agrees that all such data or information shall be
deleted from the Customer’s computer system immediately and such data or information shall not be
used or disclosed by the Customer.
2. The Customer shall notify the Bank immediately if the Customer believes, suspects or knows of any
unauthorised access to the i-Banking Service or any unauthorised transaction or of a breach or potential
breach of security to the i-Banking Services, and the Bank shall not be responsible or liable for loss
damage or embarrassment caused to the Customer arising from the above.
3. The token is the property of the Bank at all times. Upon termination of the use of the i-Banking Service,
the Customer shall return the token to the Bank immediately. The Bank may levy a charge as the Bank
shall decide for the loss or replacement of token.
4. The Bank’s records and any records of the instructions, communication, operations made or performed,
processed or effected through i-Banking Service by the Customer or any person purporting to be the
Customer with or without the Customer’s consent or any record or transactions carried out by the Bank or
any person authorized by the Bank relating to or connected with the i-Banking Service shall be binding
and conclusive on the Customer for all purposes whatsoever and shall be conclusive evidence of such
transactions and the Customer’s liability to the Bank, and the Customer agrees not to dispute the validity,
accuracy or authenticity of any such records and evidence.
5. The Customer’s instructions to the Bank effected through the i-Banking Service shall be irrevocable and
binding on the Customer upon transmission of the same by the Customer.
6. The Bank shall not be responsible or liable for any loss, damage or embarrassment incurred or suffered
by the Customer in relation to or in respect of any instructions, operations or transactions effected by the
Customer or purported to be effected by the Customer using i-Banking Service howsoever caused,
including but not limited to, the Customer’s non-compliance with Service instructions, the Bank inability
to provide the Services as a result of malfunction partial or total failure of any software programs, data
processing systems, security systems, computer tele-transmission or telecommunications systems the
Bank, any bank, financial institution or any person or organization involved in the above mentioned
systems or other circumstances beyond the Bank’s control, including but not limited to disruption of
business or operations, Acts of God, war, warlike hostilities, riots, blockades, electrical power failure,
spamming, virus attacks, hacking, strikes and embargoes and the Customer’s inaccurate keying in of
instruction.
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13. Terms & Conditions
7. The Customer undertakes to indemnify the Bank from and against and in respect of all liabilities, losses,
damages charges and expenses( including legal fee and costs on a full indemnity basis) claims demands
actions and proceedings which the Bank incurs or sustains directly or indirectly from or by reason of or in
8. relation to the use, misuse or purported use of misuse of i-Banking Service, due to failure of software,
failure of security or failure of computer peripheries as provided by any third party, which occurred to the
computer terminal where the i-Banking Service is accessed from, and shall pay such monies to the Bank
immediately on demand.
9. The Customer acknowledges and agrees that the Bank has the sole and exclusive ownership and rights
including all intellectual property rights in and to the Bank’s i-Banking Service, including, without
limitation to the Bank’s website, the i-Banking Service website and all contents and any updates thereof.
10. The Bank shall be under no liability for any damage, loss or expense, suffered or incurred by the
Customer due to any unsuccessful transaction using the i-Banking Service for any reason whatsoever. For
the avoidance of doubt, the Bank shall not be liable to compensate the Customer for any loss of interest
due to the unsuccessful transaction using the i-Banking Service.
11. The Customer shall not post or transfer to the Bank’s i-Banking website (nor include in any message) any
material which is obscene, misleading, inaccurate, defamatory, illegal, in breach of any copyright or other
intellectual property right, or damaging to data, software or the performance of our or any other parties’
computer system. The Customer shall indemnify the Bank in respect of any liabilities, losses, expenses,
or other costs whatsoever incurred as a result of a breach of the Customer’s obligations under this
clause, including but not limited to, any claims made against the Bank by any third party.
RESPONSIBILITY
1. The Bank does not guarantee access to any communications, processing or transaction system including
that provided by the Bank and accepts no liability to the Customer for any period when any such
communication system is unavailable or disrupted or for any related delays or disruption. The Customer is
solely responsible for all consequences arising from or in connection with the use of the i-Banking Service
and the reliance on any information or report contained herein.
2. The Bank reserves the right, without prior notice to the Customer, to change revise or modify the terms
and conditions herein, the services provided and/or any fees to be imposed, at any time and from time to
time hereafter, and the Customer shall be bound by all changes made. The Customer agrees that the use
of the i-Banking Services is also subject to the Bank’s standard terms and conditions governing accounts
opened with the Bank, which shall prevail in the event of any discrepancy between such terms and the
terms of this Service.
3. The terms herein shall be governed by and construed in accordance with the applicable laws of Brunei
Darussalam in effect for the time being and the Customer hereby submits to the non-exclusive
jurisdiction of Brunei Darussalam courts.
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14. Disclaimer
COPYRIGHT AND TRADEMARK NOTICES
All the trade marks, service marks and logos displayed on this i-Banking Service website may not be reproduced,
transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered,
hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of the Baiduri
Bank Group. Save and except with the Baiduri Bank Group’s prior written consent, no such trade mark, service
mark or logo may be used as a hyperlink or to mark any hyperlink to any Baiduri Bank Group member’s website or
any other website.
DISCLAIMER
Baiduri Bank Group makes no representation or warranty of any kind, express or implied regarding this website or
the services provided under the Baiduri i-Banking Service. The information and materials appearing on this
website are provided for general information only. The terms, conditions and descriptions are subject to change.
Products and services offered may be withdrawn or amended at any time without notice.
Baiduri Bank Group accepts no liability and will not be liable for any loss or damage arising directly or indirectly
from your use of or your reliance on the information and materials contained in this website.
HYPERLINKS
For your convenience, the Baiduri Bank Group may include hyperlinks to websites on the Internet that are owned
or operated by third parties. Such linked websites are not under the control of the Baiduri Bank Group and the
Baiduri Bank Group does not accept any responsibility for the contents of or the consequences of accessing any
linked website or any link contained in a linked website. The hyperlinks provided in this website shall not be
considered or construed as an endorsement or verification of such linked websites or the contents therein by the
Baiduri Bank Group or recommendation of any products or services offered at those websites. You agree that your
access to and/or use of such linked websites is entirely at your own risk and subject to the terms and conditions
of access and/or use contained in those websites.
E-MAIL
E-mail messages sent to the Bank over the Internet cannot be guaranteed to be completely secure. The Bank will
not be responsible for any loss or damages incurred or suffered arising from e-mail messages sent by you to the
Bank or sent by the Bank to you at your request. The Bank is not responsible in any manner for direct, indirect,
special or consequential damages arising out of the use of this website.
TRANSMISSION OVER THE INTERNET
Under no circumstances shall the Baiduri Bank Group be liable regardless of the form of action of any failure of
performance, system, server or connection failure, error, omission, interruption, breach of security, computer
virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access
in connection with your accessing this website and/or using the online services even if the Baiduri Bank Group
had been advised as to the possibility.
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