AMRO Bank responds

AMRO Bank responds

In response to the letter published in The Jakarta Post on
March 14, 2001, regarding the credit process of ABN AMRO Bank's
Dana Cepat Multiguna consumer loan product, we would like to
clarify the matter as follows.

It is our standard procedure that the credit approval process
of our consumer loan products is closely and carefully
scrutinized based on the information given in all incoming credit
applications. Based on the terms and conditions that are clearly
stated in the application form which is signed by each applicant,
the Bank reserves the right to reject any credit applications
without having to provide any reason and has the right to retain
all supporting documents. The incoming applications and
supporting documents are treated with strict confidentiality as
is our obligation under the banking secrecy law.

In addition, since the launching of our Dana Cepat Multiguna
consumer loan product, we have extended credit to individuals of
varying professions including civil servants.

As customer satisfaction is of great importance to us, your
opinions and suggestions will serve as valuable input for us in
further improving our services in the future.

DARMOKOESOEMO

Head of Service Quality

and Client Management