Privacy Policy (Effective from April 1, 2001)

       
   TMB Bank Public Company Limited's Privacy Policy

 Areas Covered by this Privacy Policy
 Information Collected
 Disclosure to Third Parties
 Security Measures
 Changing or Updating Individual Information
 Retention of Information
 Family's Online Privacy Protection
 Linked Sites
 Changes to this Privacy Policy

Areas Covered by this Policy

          This policy only covers the area of the www.tmbdirect.com website after a user
has  performed  a  successful login on the first page.   Our web hosting facilities  are
utilised to host the content of this site until the user performs a successful login.This
impacts  casual  visitors  to  the  site  only.    Once  users have logged in,   they are
transferred to a secure site.TMB gathers statistical information, including the hit rate
on the site, the domains of visitors, and the pages visited, etc.

Information Collected

          TMB   does not acquire any more information about you other than is necessary
to provide a high level of service that is efficient and secure,     or as required by law.
Should you choose not to provide the requested information, you may not be able to
use our products and services.

            Personal Information
                     The list of vital personal or company related information that we are
              collecting at TMB Bank Public Company Limited are shown below.
                  First & Last Name
                  Title and Company Name
                  Company Address, Telephone, Facimile
                  E-mail Address
                  Company Industry Sector
                              
                    TMB may use your contact information to create access to demonstrations
              and products & services on the site, and to send you information about TMB. 
              Your contact information is also used to contact you when necessary.   TMB
              will use this data to tailor your experience at the sit, showing you content we       
              believe might interest you,   and displaying the content according to your
              preferences.                 

            Corporate Data
                   Protecting the privacy of a customer's personal information is a top priority.
              However,   TMB takes the confidentiality   and   protection of our  customer's
              corporate data to be one of our most significant responsibilities.As such,  we
              use diligent efforts to ensure each customer's  data  integrity is limited to the
              company  for  which he / she works or  has authorisation to access by using
              a person-specific user ID and password, and that such company's data is not
              violated or accessed by unauthorised persons.

            Use of Cookies
                  The use of cookies is now widespread in all Internet websites as it provides
               a  quick  transfer of  text data and graphics between a server and  a  terminal
               connected through the Internet. TMB  is  planning  to use cookies on all of its
              TMB Internet Banking website to help customers with quick connection
               and moving from one webpage to another.    TMB cookies will be temporarily
               active  while  connection  between  customer's  computer  and TMB  website
               continues.    When  the  customer  completed  his  or  her  online  banking
               transactions and logged off from TMB website, the cookies will be gone.

Disclosure to Third Parties

          It is  TMB's policy to never provide your information to unauthorised third parties
without your expressed permission, or as required by law.

Security Measures

          TMB has implemented high standards of technology and operational security to
protect personally identifiable information from loss, misuse, alteration, or destruction.
We train all of our employees on the importance of privacy.    We only give access to
your information to those employees who require it to perform their duties.   We store
our customers' information on secure computers located in our secure data centre.

Changing or Updating Individual Information

          Individuals  can  view  and,  if  necessary,  change  their  personally  identifiable
information stored by  www.tmbdirect.com . 

Retention of Information

          Information  that  you  provide  to  us  will  be  kept  as long as we believe that the
information is required to completely service your requirements.

Linked Sites

          The  TMB website contains links to other sites.  TMB is not responsible for the
privacy  practices  or  the content of such  websites.    We encourage you to read the
privacy statements in these linked sites, as their privacy policies may differ from ours.

Changes to this Privacy Policy

          TMB reserves the right to modify or amend this Privacy Policy at any time and
for  any  reason. Nothing contained  in this   Privacy Policy  is  intended  to  create a
contract or agreement between   TMB  and  any  user  visiting  the  site  or  providing
personally identifiable information in any form.
         In  order  to  keep  visitors  informed, TMB  will  ensure that  we notify users of
changes to our   Privacy Policy   by detailing the alteration/s   for a period of not less
than two weeks on our site,    and by identifying the effective date at the beginning of
the policy.

          In case of any doubt as to the security of your accounts,    please immediately
contact us at 0-2299-1875 for security check or protective measures.