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