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The BANK gives the CUSTOMER the possibility to
make banking transactions by telephone
(TRANSACTIONS) through the MARFIN Direct - Phone
Banking
service. The MARFIN Direct - Phone Banking
Service is provided by
MARFIN EGNATIA BANK through the call center
operated by MARFIN FIN, a subsidiary of
MARFIN EGNATIA BANK. The CUSTOMER can make the
TRANSACTIONS on the terms and conditions set out
below:
- The BANK assigns to the CUSTOMER a
four-digit personal identification number (PIN),
different from that given for ATM use. Such PIN
is the access key to the TRANSACTIONS system
through MARFIN Direct - Phone Banking
and is equivalent to the signature of the
CUSTOMER for the performance of the transaction.
- The CUSTOMER who wants to make a TRANSACTION
through MARFIN Direct – Phone Banking
calls the BANK at the indicated number and gets
connected to the Voice Banking system by saying
the BANK card number (VISA, DEBIT, etc.) and
typing the four digits of the MARFIN Direct -
Phone Banking
PIN. The CUSTOMER who uses Voice Banking can be
connected to an agent of
MARFIN Direct - Phone Banking or make,
without the intervention of an agent, the
following, without limitation, TRANSACTIONS: (a)
Transfer funds from one account to another or to
a third-party account, (b) Receive information
on the transaction details of his accounts, (c)
Pay his credit card or a third-party credit
card, (d) Pay bills (telephone, public
utilities, etc.), (e) Request the issue of
MARFIN Direct - Phone Banking
PIN.
- The BANK reserves the absolute right to
refuse a transaction to the CUSTOMER through
MARFIN Direct - Phone Banking by justifying
such refusal.
- The BANK does not charge any fees to the
CUSTOMER for the TRANSACTIONS made through
MARFIN Direct - Phone Banking. The CUSTOMER
shall be notified in the future of any fees or
costs on transactions in order to accept them or
not.
- The TRANSACTIONS cover all accounts kept by
the CUSTOMER with the BANK (provided they are
connected to the BANK card (VISA, DEBIT, etc.).
- The CUSTOMER can make through MARFIN
Direct - Phone Banking, with the
intervention of an agent, the following, without
limitation, TRANSACTIONS: (a) Transfer funds
from one account to another or to a third-party
account, (a) Report a lost or stolen card, (c)
Receive information on the transaction details
of his accounts, (d) Ask for a copy of account
statement, (e) Pay bills, (f) Ask for a cheque
book, (g) Receive information on foreign
exchange rates, stock and mutual fund prices,
(h) Receive information on the BANK products and
services, (i) Submit requests and complaints,
(j) Send money orders, (k) Order the purchase
and sale of shares.
The competent BANK employees who receive a phone
call from the CUSTOMER have the right to ask for
more information as deemed necessary to confirm
the identity of the CUSTOMER.
- The BANK may offer in the future through
MARFIN Direct - Phone Banking (Voice Banking
or call agents) additional banking services, the
terms and conditions of which shall be notified
to the CUSTOMERS by the BANK.
- MARFIN Direct - Phone Banking is
available 24 hours a day, 365 days a year. The
BANK reserves the absolute right to modify the
operating hours and days of MARFIN Direct -
Phone Banking upon notification to the CUSTOMER.
Voice Banking and the competent employees who
receive the phone call from the CUSTOMER
indicate the effective date of each transaction
performed.
- For the security of TRANSACTIONS, the
CUSTOMER accepts that the telephone
conversations and orders given through MARFIN
Direct - Phone Banking shall be recorded by the
BANK.
- The BANK delivers to the CUSTOMER a special
security document containing the PIN. The
CUSTOMER must memorize the PIN and destroy this
document. In any case, the CUSTOMER must protect
the PIN from being intentionally or
unintentionally disclosed to any third party. If
the PIN is disclosed, the CUSTOMER must
forthwith contact the BANK in writing or through
MARFIN Direct - Phone Banking to ask for
cancellation and assignment of a new PIN. The
BANK may cancel a PIN at any time, upon
notification to the CUSTOMER.
- Any transfer of funds from or to an account
through MARFIN Direct - Phone Banking
shall be specifically indicated in the updated
deposit book or the copies of account statement
issued by the BANK to the CUSTOMER. The copies
of account statements are exact copies from the
BANK books of account and are full proof, by
explicit agreement of the parties.
- For the security of transactions, the BANK
sets each time a maximum permitted limit for
each TRANSACTION through MARFIN Direct -
Phone Banking, which may be changed at any
time, for specific reasons. The CUSTOMER shall
be notified during the TRANSACTION of each
applicable maximum limit. The BANK may also
interrupt the operation of the MARFIN Direct
- Phone Banking system in case of breakdown
or malfunctions or for security reasons.
- Unless the CUSTOMER challenges in writing
the accuracy of the TRANSACTION information
appearing either in the deposit book or in the
copy of account statement within the two months
following the month of the specific
transactions, these shall be deemed as accepted
and recognized as totally accurate and valid.
- The BANK shall not be liable for any damage
suffered by the CUSTOMER in case the TRANSACTION
was made by a third party who knew the
information required to verify the identity of
the CUSTOMER.
- If any amount is credited to an account of
the CUSTOMER by fault or mistake of the
competent employees, the BANK is entitled,
immediately upon discovery, to unilaterally make
all necessary accounting entries to cancel the
credited amount.
- Given that the transmission of information
through telecommunications networks involves the
risk of malicious interception and distortion of
the CUSTOMER’S orders by unauthorized third
parties, the BANK shall not be held liable if,
despite all security measures taken, the
personal data of the CUSTOMER are compromised or
the orders given to the BANK are distorted as a
result of the aforementioned reasons.
- The BANK shall not be liable for any damage
suffered by the CUSTOMER in case the transaction
was made by a third party who knew the
information required to verify the identity of
the CUSTOMER, especially when such third party
was authorized by the CUSTOMER either through
intentional or unintentional disclosure of the
PIN.
- The BANK shall not be liable for any damage
suffered by the CUSTOMER due to force majeure.
- The BANK shall not be liable against third
parties for any transactions of the CUSTOMER
made by deceit or negligence, during the use of
the telecommunications networks, which
constitute breach of the Greek or foreign law.
- The BANK shall not be liable for the
accuracy of information relating to the
transactions of the CUSTOMER, which is obtained
by sources of his choice, such as the Athens
Stock Exchange Price Index, brokerage firms or
consulting firms entitled to provide such
information to the public.
- The BANK is not obliged to control nor is
held liable against the CUSTOMER or any third
party for any mistakes or inaccuracies in the
data or information of the orders given by the
CUSTOMER to the BANK through the
telecommunications networks or in case the
CUSTOMER is deceived by persons outside the BANK
personnel.
- The BANK is liable against the CUSTOMER, in
case of legitimate reason for liability, only
for willful or grave negligence. The liability
of the BANK does not include in any case the
recovery of consequential damages and loss of
earnings.
- The CUSTOMER gives to the BANK his implicit
consent: (a) to keep his personal data in an
electronic or other file, and to process the
information, namely to collect, enter, organize,
store, use, transmit, disclose or otherwise
dispose of, associate or connect such
information in order to secure Electronic
Transactions, (b) to provide/receive information
to/from financial institutions, concerning his
credit relationship with the BANK, or other
information relating to his assets and credit
history, with the aim to mitigate the credit or
other risk, (c) to disclose his address and
information to agencies and companies associated
with the BANK as part of the promotion of their
products and services, (d) to keep the recorded
communications through MARFIN Direct - Phone
Banking and Voice Banking
and use the tapes as proof of the CUSTOMER’S
transactions.
- The BANK and the CUSTOMER are entitled to
terminate this term, irrespective of termination
or not of this agreement, at any time and for
any reason without damages. In this case the
CUSTOMER remains liable for any TRANSACTION made
prior to termination.
Use of the MARFIN Direct - Phone Banking
Service for your transactions signifies that you
have read and accepted the terms of cooperation
mentioned in this document.
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