Retail Client Charter

Introduction
The Customer Service Charter sets out our commitment to delivering a high standard of customer service. It outlines the type of service we aim to provide, how to contact us and give us feedback, particularly if anything goes wrong and how you can assist us to better serve you.

Key Commitments
We will continuously work towards improving the standards of service and our bank's relationship with you will be guided by the following key principles:

a. Accountability: i) All our products and services comply with relevant laws and regulations of Malaysia.; ii) We will explain and help you understand the financial benefits of our products and services that you are interested in, how they work and the risks involved.
b. Fairness: i) We will act fairly and reasonably towards you in a consistent and ethical manner.; ii) We will establish a clear set of procedures to ensure that any dispute between us will be resolved fairly and quickly. For more details on our complaints procedure, please visit jpmorganaccess.com.my .We will tell you how to make your complaint as well as our procedures for handling them fairly and quickly.; iii) We will as far as possible not discriminate against age or gender and will make available products and services on the same terms as for other customers.
c. Privacy: i) We will treat all your personal information as private and confidential and ensure the safety and security of the usage of your information. Your personal information will not be revealed unless otherwise authorised by you or required by law to do so.; ii) We will not use your personal information for our own marketing purposes if you inform us that you object to this practice.; iii) We will comply at all times with the provisions of the Personal Data Protection Act 2010.
d. Reliability: i) We will co-operate as an industry so that you enjoy secure and reliable banking and payment systems you can trust.
e. Transparency: i) We will provide you with clear, relevant and timely information to help you make an informed decision about our products and services. Where applicable, a set of Terms and Conditions relating to each banking product or service will be made readily available to you with all the fees, charges, penalties and relevant interest rates, your liabilities and obligations in the use of a banking product or service highlighted.; ii) We will inform you, through various channels (e.g. over the internet, by telephone, e-mail or at our branches) of available products and services. You can contact your bank for information or provide feedback through these channels.; iii) We will exercise care to provide you a balanced view of benefits and risks of investment products, explain critical terms to you, ensure the investment product is suitable for your needs and financial circumstances.

If you have enquiries, concerns or comments please call, write, e-mail or fax us at:-

Bank's Name : J.P.Morgan Chase Bank Berhad
Address : Level 18, Integra Tower, The Intermark, 348, Jalan Tun Razak, Kuala Lumpur, 50400, Malaysia
Tel : +603 2718 0581 or +603 2718 0596
Fax No: +603 2164 3690
Email : mun.w.thong@jpmorgan.com or teen.fai.lee@jpmorgan.com

OR

ABMConnect: 1300-88-9980
eABMConnect www.abm.org.my/eabmconnect

The Association of Banks in Malaysia (ABM)
A-11-1, AICB Building
No. 10 Jalan Dato' Onn
50480 Kuala Lumpur

Standards of Service
As we work towards improving our standards of service, we aim to provide our service efficiently and effectively. To this end, we have set out below the time frames within which you can expect us to deliver the respective services.

I. We are committed to making banking easy.
		Target/Goal
1.	Aim to serve the majority of customers promptly in all our branches.	Within [5] minutes.

2.	Aim to provide you with friendly and helpful service whenever you deal with us.	Aim to get [3] out of 10 customers to rate bank's service.

3.	Help you to make the right choices for your money and you.	Get all customers to rate the help given.

4.	Aim to answer your call promptly when you call us at any of our branches or call centres.	Within [3] rings.

5.	Aim to open a basic savings account promptly.	Serve potential client within [15] minutes. Basic savings account will be opened within 5 business days subject to completeness of documentation.

6.	Aim to open a basic current account promptly.	Serve potential client within [15] minutes. Basic current account will be opened within 5 business days subject to completeness of documentation.

7.	Issue you with a cheque book promptly.	Within [10] business days of opening current account; or within [10] business days of the bank receiving your application for a new cheque book.

8.	Issue ATM card promptly.	Not Applicable

9.	Clear cheques promptly.	Local Cheques- [1] business days after float is cleared.

10.	To help customers manage their accounts, provide loan statements.	For personal financing - Not Applicable. For home financing - on a [monthly] basis / at your specific request.

11.	Issue demand drafts (local and foreign currency) promptly.	Within [10] minutes.

12.	Execute foreign currency remittances.	By [5] p.m. of value date

13.	Close current/savings account.	Within [15] minutes.

II. We are committed to making banking easy.
1.	Aim to answer your call promptly when you call us at our call centres or any of our branches.	Within [3] rings.

2.	Aim to resolve counter enquiries promptly.	Where no follow up is required, within 1^st visit. Where follow up is required within, [2] days of 1^st visit. Where enquiry is complex, 5 working days of 1^st visit..

3.	Aim to resolve phone enquiries promptly.	Where no follow up is required, within 1^st call. Where follow up is required, between [24- 48] hours of 1st call. Where enquiry is complex and cannot be satisfactory dealt with, escalate to complaint officer who can deal with the enquiry.

4.	Respond to written enquiries promptly.	Respond to acknowledge receipt of written enquiries within [1] business days. Respond within [1] business days from date of receipt of enquiry if enquiry is not complex. Where enquiry is complex, 5 business days is required.

5.	Help you quickly if your ATM card, credit card or debit card is lost or stolen.	Not Applicable

III. We are committed to listening.
1.	Resolve customer complaints fairly, consistently and promptly.	Aim for [100]% of customers to be satisfied with the way their complaint has been handled.

2.	Actively seek your thoughts and suggestions on how we can better serve you.	Get customer to complete and submit feedback forms.

IV. We are committed to processing your application quickly.*
1.	Credit card / debit card application	Not Applicable

2.	Hire purchase application	Not Applicable

3.	Loan application	Within [3] working days of all required documents and information having been received by the bank.

*Member banks are to consider this in the light of the products offered.

Additional avenues of resolving disputes If you are not satisfied with the outcome of your complaint or how it was handled, you may refer the matter to either of the following bodies who will help settle the dispute.

1.		BNMLINK - a complaint resolution arm of Bank Negara Malaysia Call BNMTELELINK : 1-300-88-5464 (LINK) (toll free number) or E-mail to bnmtelelink@bnm.gov.my Laman Informasi Nasihat dan Khidmat (LINK) Tingkat Bawah, Blok C Bank Negara Malaysia Peti Surat 10922 50929 Kuala Lumpur Fax :03-2174 1515 Website : http://www.bnm.gov.my/bnmlink

2.		ABMConnect - an avenue set up by The Association of Banks in Malaysia to handle public enquiries and complaints on banking matters ABMConnect: 1300-88-9980 eABMConnect www.abm.org.my/eabmconnect The Association of Banks in Malaysia (ABM) A-11-1, AICB Building No. 10 Jalan Dato' Onn 50480 Kuala Lumpur

3.		Financial Mediation Bureau - an independent body set up to help settle disputes between financial service providers who are its members and the public. Call : 03-2272 2811 or Log on to http://www.fmb.org.my or E-mail to enquiry@ fmb.org.my Financial Mediation Bureau Level 25 Dataran Kewangan Darul Takaful 4 Jalan Sulaiman 50000 Kuala Lumpur Fax : 03-2274 5752

4.		Financial Fraud Alert - an avenue set up by Bank Negara Malaysia to enhance public awareness on the dangers of falling prey to illegal financial schemes by providing access to vital information on these schemes. BNM also provided a list (Consumer Alert List) of companies and websites which are neither authorized nor approved under the relevant laws and regulations administered by BNM to alert the members of the public to exercise better care when making decisions in relation to the various financial services offered by these entities. Illegal and Suspicious Financial Entities and Activities Members of the public are advised to alert BNM on any illegal or suspicious activities or entities at: Call: 1-300-88-5465 (LINK) (toll free number) or E-mail to bnmtelelink@bnm.gov.my BNMLINK (Walk-in Centre) Ground Floor, D Block, Bank Negara Malaysia, Jalan Dato' Onn 50480 Kuala Lumpur Fax: 03-2174 1515 Links to BNM Websites (1) BNM Financial Fraud Alert (2) BNM Financial Consumer Alert (3) BNM Consumer Alert List (4) Tips on Financial Issues for the Public and Consumers (Please note that the List is not exhaustive and only serves as a guide to members of the public based on information and queries received by BNM. The list will be updated regularly by BNM for public's reference)

Weblink This is a link to a third-party site. Note that the third party's privacy policy and security practices may differ from J.P. Morgan standards. J.P. Morgan assumes no responsibility nor does it control, endorse or guarantee any aspect of your use of the linked site.