This Agreement entered into between the WIB@Home customer
(hereinafter called "the Customer") and The Windward Islands Bank Ltd.
(hereinafter called "the Bank) is to define the terms
and conditions, which govern the use of WIB@Home.
WIB@Home: This is a secured website which the Customer
can log on to make use of the following services offered:
1. Balance inquiry on Current, Savings, Credit Card,
Personal Loan, Personal Mortgage, and Time accounts at the Bank or designated
2. Inquiry on the last deposit date, amount, number
and amount of debit and credit transactions on Current and Savings accounts.
3. Inquiry on the Last 10 Debit and Credit transactions
on Current and Savings Accounts.
4. Inquiry on the status of checks.
5. Transaction History inquiry on Current and Savings Accounts.
6. Downloading of Transaction History on Current and
Savings Accounts in the following industry-standard formats:
a. Comma Separated Values (CSV)
7. Make transfers within the Customer’s own current and savings
b. Data Interchange Format (DIF)
c. Quicken Import File (QIF)
d. Open Financial Exchange (OFX)
8. Make payments to the following type of beneficiaries:
a. From a pre-defined global list of beneficiaries at the Bank
b. Those beneficiaries created and maintained by the
Customer on his own. The beneficiaries can be customers of the Bank or
can bank anywhere, either locally or internationally.
c. Payments are subject to the following daily and amount limits, subject to change by the Bank.
||Number per Day
Per Day (NAf)
|Amount Single Transaction (NAf)
|Within own Accounts
|Bank Vendor List Payments
|3rd. Party Payments (not vendor list)
9. Order a checkbook from a pre-defined list of checkbook
types offered by the Bank.
10. Place a stop payment on a check.
11. Read mail on the site generated by WIB@Home icw
the Customers payment transactions or send by the Bank.
12. Change the password when the Customer deems necessary.
A client of the Bank who has applied and been accepted for WIB@Home
A third party that the Customer can send funds to. The beneficiary can be banking
at the Bank, or at any other bank, either local or international.
The middle 7 digits on the Customer’s Bankomatiko card which when used
together with the corresponding password will allow the Customer to enter the
Each secret combination of numbers or letters selected by the Customer for his
use alone, as a means of identifying him to use WIB@Home services after successful
initial sign-on. More commonly referred to as customer selected password.
Are those accounts having customer-initiated transactions during the past 365
consecutive days, or customer transaction privileges i.e.: not blocked.
Are those accounts that have either not moved during the past 6 months, have
been closed, or a blocked by the Bank.
A program that is used to view pages on the internet.
This is a feature in a browser whereby at the Customer can accept the browser
storing the user-id and password of a Customer of WIB@Home, Consequently, if
any user subsequent to the Customer selects the WIB@Home site and with auto complete
on, the user might get access to the user-ids and password of the Customer which
are stored by the browser.
The following is required for the customer to make use of WIB@Home:
1. Register with the Bank.
Provision of these operational requirements and use of WIB@Home will be for the
sole account and responsibility of the customer.
2. Bankomatiko card with an active Current or Savings Account.
3. Personal computer with internet connection.
4. Microsoft Internet Explorer version 5.5. with service pack 2 or, Netscape
Navigator version 6.2 or a higher version of either internet browser program.
5. Internet browser program with the “Auto complete” function turned off.
By enrolling for the WIB@Home Internet Banking Service, the Customer can use
his user-id for access to his designated Accounts by personal computer through
the Internet, using the seven middle digits of his Card number and a password
(his Electronic Signature) specific to WIB@Home. The Customer authorizes the
Bank to accept his instructions given pursuant to the foregoing which instructions
will constitute an authentic and indisputable instruction of the Customer to
the Bank to carry out the Customer’s respective request(s) for service
under the facilities of WIB@Home as if the Customer had given the instructions
in writing to effect the relative transactions/instructions.
Use of the WIB@Home services thru the appropriate use of the Bankomatiko Card
number and Electronic Signature to access WIB@Home, will confirm his unconditional
acceptance of and agreement to the provisions of this agreement, the conditions
for Bankomatiko users, the general conditions of the bank as well as respective
amendments thereof as issued from time to time by the Bank.
1. Inactive accounts cannot be accessed through WIB@Home.
2. The Customer cannot make transfers or payments from accounts with insufficient
1. Use of WIB@Home is free of charge until further notice for personal customers.
For non-personal customers, a fee as established by the Bank is applicable.
2. The Customer will also have the right to cancel his or her eligibility to
use WIB@Home at any time and the Bank has the right to withdraw the service from
any Customer at any time.
3. The Bank may charge and the Customer agrees to pay to the Bank such charges
as advised and made applicable by the Bank to the Customer for services pursuant
to this agreement.
4. The Bank may deduct from the Customer’s account, even if this creates
or increases (an) overdraft(s), the charges described in #1 above.
5. The Customer acknowledges and agrees that any WIB@Home charges introduced
are in addition to any account level service charges, which apply to his/her
The Customer will be able to print a transaction record or reference
number for each WIB@Home financial transaction, unless otherwise requested.
The Bank’s records will be considered to be correct and will
be conclusive and binding upon the Customer in the absence of evidence
to the contrary satisfactory to the Bank.
WIB@Home transactions, which affect account status and balances,
will be processed according to the Bank’s regular Business day
and non-Business daytime tables.
1. The Bank is not liable to the Customer for any delay,
loss, damage (direct or indirect) or inconvenience resulting from
or arising in connection with the provision of or the failure, for
any reason, to provide (any part of any) service pursuant to this
contract except where such losses result from gross negligence or
willful misconduct by the Bank. Also, The Bank is not responsible
for the client’s acts or omissions or those of any third party
hired, employed or used either by the Bank or the Customer relative
to performance under this contract.
2. The Bank is furthermore not liable to the Customer
if a Payment has been made to a Beneficiary through WIB@Home and the
Beneficiary has not updated the Customer's account.
3. The Bank is furthermore not liable if the Payment
is received late at the Beneficiary due to the Customer not taking
into account the necessary days to process the payment.
4. The Customer is responsible for any errors, which
result from him having incorrectly provided to or selected from the
Bank, any account number, amount or other information required for
the proper operation of WIB@Home. The Bank shall in no way be liable
for any theft, loss or subsequent damage(s) in any form the Customer
may suffer while using WIB@Home. Payments by the Customer to incorrectly
inserted beneficiary accounts or banks are the sole responsibility
of the Customer and the Bank is not in a position to recall these
payments. Losses resulting hereof will be fully, immediately and unconditionally
borne by the Customer.
1. The Customer will notify the Bank immediately in
writing of the loss, theft or any unauthorized use of the Card, Card
number or Electronic Signature as the case may be. On receipt of such
notice, the Bank will try to prevent, as much as possible, damages
to the Client. The Customer’s responsibility will cease only
when the Bank duly receives written notice of loss, theft or unauthorized
2. The Customer is at all times responsible for the care and safety
of the Card number and Electronic Signature. The Customer will keep
the Electronic Signature confidential and secure from all persons
without exception and separate and apart from the Card at all times.
The Customer is also responsible for confidentiality in case of having
the “auto complete” function on the internet browser program
on any computer that the customer uses to log on to WIB@Home turned
1. The Customer is liable for all indebtedness, and
account activity resulting from:
i. His use of the Card number including all indebtedness,
account activity by persons to whom the Customer has made the Card
number and/or Electronic Signature available such that they can be
2. Without prejudice to the bank’s exclusion of liability pursuant
to this agreement, the Customer will be considered as contributing
to the unauthorized use of the Card number and/or Electronic Signature
and will in any event be fully liable where:
ii. Unauthorized use of the Card number and/or Electronic
Signature (including indebtedness arising from unauthorized use of
the Card and Electronic Signature, where the Customer has made available
for use the Card and Electronic Signature by keeping them together
or in such a manner as to make them available for use together) until
we have received written notice of loss, theft or unauthorized use.
iii. Using the auto complete function on any browser program on any
computer that the Customer used to access WIB@Homee.
iv. Other losses that occur through WIB@Home for which
the Customer is liable if the other losses occur as a result of authorized
or unauthorized use of his Card number and/or Electronic Signature.
i. The Electronic Signature the Customer has selected
is the same as or similar to an obvious number combination such as
(but not limited to) his date of birth, bank account number(s) or
ii. The Customer writes his Electronic Signature down
or keeps a poorly disguised written record of his Electronic Signature,
such that it is available for third parties for use with his Card;
iii. The Customer otherwise reveals his Electronic
Signature resulting in the subsequent unauthorized use of his Card
number and Electronic Signature together.
iv. The Customer logged on WIB@Home from any computer
with the auto complete function on the internet browser program turned
The Bank may at any time if urgent reasons so require, without notice, and
in other cases exercising a reasonable notification effort, vary, extend or
limit the whole or any part of the services it offers the Customer through
the use of the Card number on WIB@Home.
The Bank can change the terms and conditions of this Agreement from time to
time by adding, deleting or otherwise editing it in part or in full or can
add special or other system operating conditions/requirements. Notice of additional
or amended terms and conditions will be given to the Customer either in writing,
addressed to the Customer at his last address on our records, and/or thru the
The Windward Islands Bank web site, or by e-mail.
1. Any other dispute the Customer has regarding the services provided under
this Agreement will normally be resolved expeditiously after the Bank is notified
in writing of the dispute.
2. If a dispute cannot be resolved within said parameter, we will provide the
Customer with information concerning our dispute resolution process and how
long each step will normally take.
3. The parties to this Agreement accept that this Agreement, and all other
related documents, be drawn up in the English language.
1. The conditions for Bankomatiko users and the General Conditions of
The Windward Islands Bank Ltd. of which the Customer has received a copy and which conditions he
has accepted, are also applicable to WIB@Home.
2. With regard to this agreement, Netherlands Antilles law is applicable whereas the competent courts in the Netherlands Antilles, district St. Marteen, have exclusive jurisdiction on matters arising from this agreement.
March 9, 2005