4.1. To access the Bank's Internet Banking Service, the Customer understands and agrees that he shall:

4.1.1. Take cognizance of the information provided on the Bank's website and Internet Banking login page and in this document and undertake to scrupulously adhere to the recommended security procedures.

4.1.2. Any failure on the part of the Customer to follow the security procedures referred to in paragraph 4.1.1. above may result in a breach of his MauBank Internet Banking service Profile's confidentiality, which in turn, may lead to unauthorised transactions on his account, for which no claim will be entertained by the bank.

4.2. The Bank shall communicate with customer by email and/or by phone as per contact details provided on the registration form/s.

4.3. Transactions through Internet Banking are subject to a daily transaction limit agreed upon between MauBank and the customer at the start of this agreement and which may be varied from time to time at the discretion of the Bank.

4.4. Any change in the business rules of any of the processes will be notified on Bank's website, which shall be considered as sufficient notice to the Customer.

4.5. All bank accounts, Loan, Fixed Deposit accounts and credit card accounts owned by the customer either singly or jointly will be displayed through Internet Banking service.

4.6. In the case of a joint account where mode of operation is "Either OR" or "Any or Survivor" any of the joint account holders can use the Facilities.

4.7. View only access shall be provided to accounts operated "Jointly AND". No transaction shall be allowed from the jointly operated account.

4.8. No access shall be provided to minor accounts.

4.9. No access shall be provided to accounts operated by Legal Guardian/ mandate or guarantor.

4.10. The Bank reserves the right to reject a Customer's request for Internet Banking service without assigning any reasons.

4.11. The Bank may disable, suspend or cancel the Facilities, if the same has not been accessed by the Customer for three months or more.

4.12. The Customer can request for termination of the Facilities by submitting a written instruction to the Bank.

4.13. The services offered under the Facilities will be automatically terminated if all the accounts linked to the Internet Banking Service are closed.

4.14. The Bank may also terminate or suspend the services under the Facilities without prior notice if the Customer has violated the terms and conditions laid down by the Bank or on the death of the Customer when brought to the notice of the Bank.

5.1. The customer is aware that:

5.1.1. In order to effectively make use of the MauBank Internet Banking Service, he shall obtain by his own means and maintain the appropriate hardware and software.

5.1.2. The use of and/or downloading of any file/software from the Internet, be it from the MauBank Internet Banking Service or not, shall be at his own risk and shall be subject to the terms and conditions imposed by the licensor of the software which in all cases, shall be considered as "third party's software".

5.1.3. MauBank shall not be in any circumstances whatsoever liable for any loss or damage that the customer may suffer as a result of the possession, use, misuse, abuse or any form of manipulation of such a software. Furthermore, MauBank shall not accept any responsibility in connection with the suitability, performance or security aspect of such software.

5.1.4. The Customer shall be solely liable for any expenses, loss or damage that MauBank or any third party may suffer as a result of the possession, use, misuse, abuse or any form of manipulation of such aforementioned "third party software".

6.1. Password/s will have a life cycle of 180 days as from activation date and customer should ensure that password/s is/are changed prior to the lapse of 180 days.

6.2. Password/s will no longer be valid in case of no activity for a period of 90 days as from password issuance date and/or last login date.

6.3. Entering the wrong password thrice will block the Internet Banking access. The customer should contact the Bank for re-activation of the service.

6.4. Generating unnecessary security codes from the token will de-activate the device. The customer should contact the Bank for re-activation of the service.

7.1. No Customer is entitled to use the MauBank Internet Banking service without understanding and agreeing to the Terms and Conditions applicable for the MauBank Internet Banking Service.

7.2. By using the MauBank Internet Banking service, the Customer thereby agrees to these Terms and Conditions, which form the contract between the Customer and MauBank .

7.3. MauBank Internet Banking service shall be governed by such terms and conditions as amended by the Bank from time to time.

7.4. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

8.1. The MauBank Internet Banking service shall be available 24 hours a day and 7 days a week, unless otherwise advised by MauBank to the Customer from time to time.

8.2. The operation hours may be varied and suspended by MauBank without notice although in such cases MauBank shall attempt to advise the customer as soon as may be reasonably practical, by whatever means MauBank may deem appropriate.

8.3. The date and time referred to on MauBank Internet Banking Service or on any other document relating to MauBank Internet Banking Service shall be the date and time prevailing in the Republic of Mauritius at the time of the transaction.

8.4. Subject to the terms and conditions of this agreement, the Bank will act on the instructions received by making applicable accounting entries and by transmitting payment instructions to the third party, on the day such request is received, if such request is received prior to the Bank's applicable cut-off time and the day receipt is a Business Day. OR not later than any stated value date (if such date is not earlier than the day such request is received).

8.5. Any instructions received by the Bank after the applicable cut-off time may be treated as received by the Bank on its next Business Day.

8.6. The Customer shall not have the possibility to amend or cancel any instruction which shall have been received and processed by the MauBank .

8.7. Customers may request for Internet Banking assistance by contacting the Bank on its hotline number 403 0330 or by email at ebanking@maubank.mu. Depending on the nature of assistance requested, the Bank may attend to the request on the next working day.

9.1. In some jurisdiction outside of Mauritius, the use of a third party software may be illegal. The responsibility to ascertain the legality of the use of a third party software outside the territorial limits of the Republic of Mauritius shall rest with the Customer.

10.1. The Customer shall pay to the Bank the charges as are agreed between the Bank and the Customer at the start of this agreement, as varied from time to time in accordance. Such charges shall also be varied if the Customer agrees to make use of additional services subsequent to the date of this agreement. Any additional charge in respect of such additional service shall start on the date agreed in writing by the Customer and the Bank at such time.

10.2. Payment of charges shall be effected on a monthly basis.

10.3. The charges applicable shall be as per MauBank 's tariff structure and may be changed at its discretion. Display of such charges on Bank's website would serve as sufficient notice and the same is binding on the customer.

10.4. The Customer authorises the Bank to debit his account with the amount of any transaction effected through the MauBank Internet Banking service plus any charges and fees relating thereto. If charges are not paid in accordance with this agreement, the Bank shall be entitled to charge interest on the amount due.

10.5. Charges may include any taxes in respect of the supply of any banking services provided by the Bank upon requests received by the Bank through the MauBank Internet Banking Service or in respect of the supply and use of the MauBank Internet Banking Service. All such taxes and duties shall be payable, if ever, by the Customer at the rate and in the manner prescribed by law.

10.6. The Bank may at any time by giving written/electronic notice vary the charges due under this agreement. Any such variation shall come into effect on the date specified in the notice unless the Customer shall at least 31 days before such date have given written/electronic notice terminating this agreement on such date.

10.7. For the avoidance of doubt, charges do not include the Bank's charges for any banking or other services which may be provided by the Bank upon requests through MauBank Internet Banking Service.

11.1. The MauBank 's records or their reproduction on a computer base shall be conclusive and irrefutable evidence of the transactions effected and/or instructions given by the Customer on the MauBank Internet Banking service Site with the Customer's/the authorised user's Password and/or security code.

12.1. Customer should register for the Credit Card Information to appear on his Internet Banking account by filling in a registration form at a MauBank Branch or submit his request through Internet Banking email service.

12.2. Customer will have access to detailed and summary information including transaction details, balance, available credit, payment information and statement. For any additional information, customer needs to call on the Bank's hotline 404 0330.

12.3. Funds transferred from Savings or Current accounts to Credit Card accounts will be processed at the close of business on either the same day or at latest on the next Business Day.

12.4. Funds transferred on weekends, public holidays or after cut-off time (4.00 p.m.) on Business Days will be processed at close of business on the following Business Day.

12.5. Customer's payment details will appear on his Internet Banking account on the next working day following his payment.

12.6. The Bank shall not process credit card payments in case of insufficient funds on the customer's debit account.

12.7. For credit card payments which have been scheduled in advance, the payment will be processed subject to availability of funds on customer's account on the payment scheduled date, at the time of batch processing.

12.8. The Bank shall accept no responsibility or liability to process the payment or inform customer in case of insufficient funds on his account.

12.9. In case funds transferred to Credit Card accounts exceed the current balance or credit limit, the excess amount may be transferred back to the Savings or Current account.

12.10. Current balance includes all credit card transactions settled with the Bank as of previous Business Day. Current Balance may not include any interest accrued on customer's Credit Card account since last statement date.

12.11. The Bank shall accept no responsibility or liability for the accuracy of the information customer supplies when submitting credit card payments through Internet Banking service.

12.12. The Bank shall accept no responsibility or liability for any refusal or omission to process any Credit Card Payment or for late payment.

13.1. MauBank shall not be bound to inquire into the authority of the person using the User ID and Login Password to access MauBank Internet Banking Service or using Transaction Password or Security Token to transact upon the different accounts upon which the Customer is entitled to access and transact, or to apply for a service or to give any instruction. 13.2. The Customer hereby authorises the MauBank to debit his account with the amount of any transaction effected through the MauBank Internet Banking service plus any fee relating thereto, except for unauthorised transactions which would have been effected after the receipt by MauBank of a written notification from the Customer.

13.3. The Customer hereby indemnifies the MauBank against any claim, or action whatsoever against it in connection with the use of the MauBank 's Internet Banking service and its different banking systems by the Customer unless the claim has arisen as a result of the fraud, wilful default or gross negligence of the MauBank or any of its employees.

13.4. The Customer further formally and irrevocably agrees that MauBank shall not, under any circumstances whatsoever, be liable for any loss, damage, interruption, delay or non-performance arising out of:

13.4.1. Failure by the customer to adhere to the terms and conditions of the present agreement or the Customer being in contravention with any law or regulation for the time being in force/ or the Customer having furnished erroneous information on the application form.

13.4.2. Possession, use, misuse, by the Customer, of any third party software.

13.4.3. Failure by the MauBank to execute any instruction from the Customer as a result of causes beyond the MauBank 's control, including (but without limitation) fire, storm, flood, explosion, vandalism, sabotage, strikes or other labour disputes (whether involving the MauBank 's employees or not), acts of God, war, riot or other civil disturbance, intervention of any government or other authority, or failure of or fluctuation in any power supply.

13.4.4. Unavailability or disruption of the MauBank 's system due to the reasons mentioned above or for any other reason.

13.4.5. Any consequential, indirect or circumstantial losses including (without limitation) loss of profits or contracts or financial losses howsoever caused or arising.

13.4.6. Failure or malfunction of any equipment, hardware, security token or software used by the Customer to access the MauBank Internet Banking Service.

13.4.7. Unauthorised access to the Customer's account or any breach of security procedures laid down therein.

13.4.8. Use, misuse, abuse, malfunction or failure of the Customer's Internet Access or hardware.

14.1. As part of Internet Banking service, MauBank may send SMS notification/s to the Customer and the Beneficiary, containing details about transaction/s effected through Internet Banking service. By submitting such transactions, the customer thereby agrees that SMS notifications be sent to him and the Beneficiary.

14.2. The customer understands that data transmitted to mobile devices is not encrypted, meaning that others may be able to intercept transmissions of data relating to his Accounts. He agrees to take precautions to protect the security and integrity of his accounts when using Internet Banking service, including but not limited to:

14.2.1. Not leaving his mobile device unattended while accessing MauBank Internet Banking;

14.2.2. Logging off immediately after using Internet Banking service;

14.2.3. Not providing his user name, password, PIN, security answers or other access information for Internet Banking service to any unauthorized person. He agrees that he is solely responsible for all transactions made with respect to his Accounts by any person he allows to use his mobile device, login information or other means of accessing Internet Banking service.

15.1. Either party shall be entitled to terminate this agreement by giving prior notice to the other provided that the MauBank may terminate it immediately upon any breach of this agreement by the Customer or when the Customer's accounts are not maintained in a satisfactory manner. This agreement shall automatically terminate upon (where applicable) the bankruptcy, liquidation or dissolution of the Customer or upon the appointment of a Receiver Manager or where any of the Customer's accounts is blocked or closed by the bank.

15.2. Termination of this agreement (howsoever occasioned) shall not affect any accrued rights or liabilities of either party nor shall it affect any provision which is intended to apply after such termination.

15.3. Forthwith upon termination of this agreement (howsoever occasioned) the Customer shall make arrangements satisfactory to the Bank for return to the Bank of any Equipment/Security Device relating to the present agreement.

15.4. In the event of the Customer failing to make arrangements, after 7 days from the date of termination of this agreement, the Customer hereby authorises the Bank or its agents to enter any of the Customer's premises for the purpose of removing any equipment/Security device as referred to in 15.3 above.

16.1. The Customer shall not assign this agreement nor any of its rights or obligations there under.

17.1. Any notice to be given by either party under this agreement, shall be in writing and sent by telex, fax, e-mail, registered mail or otherwise handed over to the other party. However, any notification made by telex fax, e-mail may on pain of nullity, be confirmed in writing, signed and delivered to the other party, at the address stated in this agreement. Either party may change its postal address by giving 7 days' notice in writing to the other party.

18.1. This agreement shall be governed by and interpreted in accordance with the laws of the Republic of Mauritius and any dispute arising in connection with the interpretation and/or fulfillment of this agreement shall be within the exclusive jurisdiction of the competent court within the Republic of Mauritius.

18.2. Terms and Conditions shall be those existing at the time of the transaction taking place. Customers should be aware of their local laws if dealing from outside Mauritius and should do so on their own initiative and be responsible for compliance with their local laws, national and international laws. Customers may not use or export any of the information on MauBank 's Web Site in contravention with any of the aforesaid local laws of theirs.

18.3. By signing this agreement the Customer certifies that all information given to the MauBank on the application form is accurate and correct.

19.1. By allowing the customer/authorised user to enter/ his User ID, password/s, security code and security answers to gain access to the MauBank Internet Banking Service, the Customer binds himself to the terms and conditions in force at that time.

19.2. The Customer acknowledges and accepts that the MauBank may at any time amend the terms and conditions of the present agreement.

19.3. The MauBank shall notify such amendments to the Customer through electronic notice.

20.1. If there are two or more persons involved in the expression "the Customer" then the undertakings and liabilities of the Customer under this agreement shall be joint and in solid undertakings and liabilities of each of them and shall be construed accordingly and reference herein to "the Customer" shall mean any one or more of them.

20.2. If the Customer is a corporate body, then this agreement shall continue in full force and effect and continue to bind each of its assigns and successors.

20.3. The headings in this agreement are for expediency and shall not affect their interpretation.