Perbedan Kartu ATM dengan Kartu Kredit

<div class="MsoNormal" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.3in; margin-right: 0in; margin-top: 12.0pt; text-align: justify;"> <span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;">Setelah  </span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">mempelajari sub modul Kartu ATM, diharapkan para peserta mampu memahami </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-ansi-language: IN;"> :<o:p></o:p></span></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.5in; margin-right: 0in; margin-top: 12.0pt; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -.2in;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Definisi dan spesifikasi  Kartu ATM<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.5in; margin-right: 0in; margin-top: 12.0pt; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -.2in;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Manfaat  dan limit Kartu ATM<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.5in; margin-right: 0in; margin-top: 12.0pt; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -.2in;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Perbedan Kartu ATM dengan Kartu Kredit<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.5in; margin-right: 0in; margin-top: 12.0pt; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -.2in;"> <!--[if !supportLists]--><span lang="FI" style="font-family: Symbol; mso-ansi-language: FI; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="FI" style="font-family: "Arial","sans-serif"; mso-ansi-language: FI;">Syarat dan ketentuan serta proses pembuatan Kartu ATM<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.5in; margin-right: 0in; margin-top: 12.0pt; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -.2in;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="FI" style="font-family: "Arial","sans-serif"; mso-ansi-language: FI;">Proses penutupan Kartu ATM</span><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: 12.0pt; margin-left: 1.5in; margin-right: 0in; margin-top: 12.0pt; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -.2in;"> <!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; mso-ansi-language: SV;">Supervisi pemberian dan penutupan Kartu ATM</span><span style="font-family: "Arial","sans-serif";"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-left: 1.3in;"> <b><span lang="IN" style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: IN;">________________________________________________________<o:p></o:p></span></b></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 93.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 150%;">Pendahuluan<o:p></o:p></span></b></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 93.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <span style="font-family: "Arial","sans-serif";">Sejalan dengan meningkatnya kebutuhan masyarakat terhadap penggunaan kartu sebagai sarana pembayaran dalam memenuhi kegiatan ekonomi, tingkat keamanan tehnologi baik keamanan untuk melakukan transaksi perlu ditingkatkan, agar penggunaan kartu sebagai salah satu sarana pembayaran senantiasa berjalan dengan aman dan lancar. Sehubungan dengan hal tersebut, Bank <st1:place w:st="on"><st1:country-region w:st="on">Indonesia</st1:country-region></st1:place> telah mengatur penyelenggaraan kegiatan alat pembayaran dengan menggunakan kartu, melalui Peraturan Bank Indonesia No. 10/8/PBI/2008 tanggal 20-02-2008.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 93.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <br /></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 16.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l9 level1 lfo11; tab-stops: list 16.5pt; text-align: justify; text-indent: -16.5pt;"> <!--[if !supportLists]--><b><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">   </span></span></b><!--[endif]--><b><span style="font-family: "Arial","sans-serif";">Definisi<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 93.5pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Kartu ATM </span></b><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">adalah alat pembayaran dengan menggunakan kartu yang bisa dipergunakan untuk melakukan penarikan tunai dan/atau pemindahan dana, dimana kewajiban pemegang kartu dipenuhi otomatis bisa mengurangi secara langsung simpanan pemegang kartu pada bank atau lembaga selain Bank yang mendapat persetujuan untuk menghimpun dana.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 110.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level1 lfo9; text-align: justify; text-indent: -16.5pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Wingdings; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">§<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">  </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Kartu ATM dihubungkan langsung dengan rekening nasabah dan dibukukan ke rekening nasabah secara langsung/ seketika melalui mesin ATM/ mesin EDC.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; tab-stops: 126.5pt; text-align: justify;"> <br /></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 1.0in; margin-right: 0in; margin-top: 6.0pt; tab-stops: 126.5pt; text-align: justify;"> <br /></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 126.5pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l9 level2 lfo11; tab-stops: list 126.5pt; text-align: justify; text-indent: -33.0pt;"> <!--[if !supportLists]--><b><span lang="FI" style="font-family: "Arial","sans-serif"; mso-ansi-language: FI; mso-fareast-font-family: Arial;">1.1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; font-weight: normal; line-height: normal;">      </span></span></b><!--[endif]--><b><span lang="FI" style="font-family: "Arial","sans-serif"; mso-ansi-language: FI;">Spesifikasi Kartu ATM<o:p></o:p></span></b></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 121.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify; text-indent: 5.5pt;"> <span lang="FI" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;">Spesifikasi Kartu ATM pada umumnya sebagai berikut :<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l11 level1 lfo2; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span lang="FI" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI; mso-fareast-font-family: Arial;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span lang="FI" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;">Ukuran kartu 857 mm x 540 mm x 76 mm<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l11 level1 lfo2; tab-stops: 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Kartu mengikuti standard yang dikeluarkan oleh International Standard Organization.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l11 level1 lfo2; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Logo Kartu bank penerbit, misalnya : Kartu Mandiri, Siaga, bii, Bank Niaga dsb .<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level4 lfo9; tab-stops: list 176.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Menandakan bank yang menerbitkan kartu dan sebagai pemilik kartu.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l6 level1 lfo3; tab-stops: 154.0pt; text-align: justify; text-indent: -27.55pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Logo jaringan yang digunakan, misalnya : VISA, Master Card Electronic, Cirrus, Jaringan Bersama dsb<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level4 lfo9; tab-stops: list 176.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Menandakan logo yang memberikan jaminan bahwa kartu tsb diterima diseluruh tempat belanja / mesin ATM yang memasang logo tsb.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level1 lfo4; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">5.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Nomor Kartu (Primary Account Number /PAN)<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; text-align: justify;"> <span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Terdiri dari 16 angka XXXXXXYYYYYYYYYC<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level4 lfo12; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">XXXXXX merupakan nomor standard ISO untuk Bank penerbit kartu<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level4 lfo12; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span lang="FI" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;">YYYYYYYYY merupakan nomor urut kartu</span><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;"><o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l0 level4 lfo12; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">C merupakan check digit <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l3 level1 lfo4; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">6.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Nama Nasabah<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level4 lfo9; tab-stops: 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Menunjukkan nama nasabah pemilik rekening.  <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l4 level4 lfo9; tab-stops: list 1.5in left 143.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">Untuk Kartu ATM yang diterbitkan secara instan tidak dicetak nama nasabah.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l2 level1 lfo5; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">7.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Masa Berlaku<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l12 level1 lfo10; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Pada umumnya masa berlaku kartu adalah 3 atau 5 tahun/ sesuai ketentuan bank<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l10 level1 lfo6; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">8.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Electronic Use Only<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l12 level1 lfo10; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Kartu ATM hanya dapat digunakan bertransaksi secara on-line dan tidak dapat digunakan secara offline. <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l5 level1 lfo7; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">9.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">        </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Pita Magnetik ( Magnetic stripe )<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l12 level1 lfo10; tab-stops: list 176.0pt; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Di dalam pita magnetik tercantum data-data penting yang akan membantu proses otorisasi transaksi. Untuk menjaga agar tidak rusak, saat penyimpanan kartu harus dijauhkan dari benda-benda yang mengandung <st1:place w:st="on"><st1:city w:st="on">medan</st1:city></st1:place> magnet atau yang dapat menggores magnet.<o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l1 level1 lfo8; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-fareast-font-family: Arial;">10.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Kolom Tanda Tangan ( Panel Authorised Signature ) <o:p></o:p></span></div> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 176.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l12 level1 lfo10; text-align: justify; text-indent: -22.0pt;"> <!--[if !supportLists]--><span style="font-family: Symbol; font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">            </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Pada saat nasabah menerima kartu dari Customer Service, nasabah harus langsung menanda-tangani kolom tsb agar dapat terjamin bahwa tanda-tangan nasabah yang sah digunakan untuk pemakaian di tempat belanja/kantor bank.<o:p></o:p></span></div> <br /> <div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 154.0pt; margin-right: 0in; margin-top: 6.0pt; mso-list: l8 level1 lfo13; tab-stops: list 154.0pt; text-align: justify; text-indent: -27.5pt;"> <!--[if !supportLists]--><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV; mso-fareast-font-family: Arial;">11.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%;">Setiap kartu ATM dilengkapi dengan Personal Identification Number (ada yang masih menggunakan 4 digit) dan merupakan sandi yang bersifat rahasia atau password khusus bagi pemegang katu ATM. </span><span lang="SV" style="font-family: "Arial","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ansi-language: SV;">PIN dapat ditentukan dan dipilih sendiri oleh nasabah. <o:p></o:p></span></div>

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