Standard Chartered Bank's response

Standard Chartered Bank's response

This is in response to the letter from Avian Eddyputra which
was forwarded to the Standard Chartered Bank by The Jakarta Post.

Avian Eddyputra has been our customer since April 2002 for
both our Kredit Tanpa Agunan (KTA) -- unsecured loan -- and
credit card products. After four months the outstanding amount on
his card remained unpaid and our collection team was asked to
make contact. The records indicate that there were initially
difficulties establishing effective communications with Avian.

We have provided Avian with every alternative loan
restructuring scheme to resolve his financial difficulties
without the intention of exacerbating his problem. We are
committed to providing these necessary alternatives to our
customers and finding an acceptable solution to problems which
may arise.

Standard Chartered Bank does not tolerate any non-ethical
approaches toward our customers. We have made a full
investigation of Avian's claims and we have not found any
improper behavior by our representatives to Avian or toward his
family.

We would like to express our sympathy about what has happened
to Avian and family. Customer feedback is valuable for us as part
of our efforts to improve our procedures and services.

DADING SOETARSO

Sr. Vice President

Standard Chartered Bank

Jakarta