1 ． Personal Clients

• Users are entitled to use the self-service enquiry and human operator enquiry services provided by 95561 without having to sign an agreement.

• The SMS Guard service must be activated when you perform transfers and other transactions that will change the balance of your account. To activate the SMS Guard service, please log onto the Internet Banking Service with your certificate and sign the related agreement. Alternatively, you can sign an agreement over the counter at an IB outlet with your proof of identity.

2 ． Corporate Clients

• Users are entitled to use the human operator enquiry services provided by 95561 without having to sign an agreement.

• To use self-service account enquiry services, an application must be put in at the bank where the account in question was opened. A letter of authorization from the company and the valid proof of identification of the applicant are required.

3. Clients should be sure to keep their telephone banking log-on password and registered card number confidential. These numbers should be frequently changed when necessary. Any actions taken for which a password was required are seen as the actions of the client. The client will be responsible for the consequences of failing to keep the password confidential.