12. CONFIDENTIALITY AND DISCLOSURE

12.1 The Customer undertakes to maintain strict confidentiality of their Mobile Banking PIN and any other information and materials of any nature supplied to them by the Bank in relation to the Service. The Customer agrees to notify their agents, employees and/or sub-contractors of the provisions of this paragraph and to impose this confidentiality requirement on their agents, employees and/or sub-contractors by entering into separate agreements, if necessary. The Customer shall be fully liable to the Bank for any breach of the provisions of this paragraph by themselves, their employees, agents and/or sub- contractors.

12.2 The Customer hereby agrees that, if necessary for the provision of the Service, the Bank may disclose information about the Customer to any member of the Bank’s Associates or the Customer’s Associates.

12.3 The Customer further agrees that the Bank may disclose information about the Customer to third parties’ in the following circumstances: –

(a) where such disclosure is necessary in order for the Bank to act on a Request;

(b) in order to comply with any law regulation, court order and/or contractual obligation of the Bank. If the Bank has to obey an order for information from an authorised government body, the Bank shall, to the extent required by law, notify the Customer before giving out the information;

(c) disclosure to the Bank’s agents, sub-contractors, auditors, attorneys and other professional service providers to the extent required in the normal course of their duties;

(d) disclosure to a licensed credit reference agency the services of whom the Bank may have subscribed to;

(e) if it involves a claim by or against the Bank in respect of an item deposited or drawn against the Bank Account; and

(f) if the Customer authorises the disclosure.