ABN AMRO Credit Card — ABN Amro Credit Card Harassment - SOBs

:::::::: Origianl Mail:::::::
Arun K <Arun.***@gmail.com>

02/02/2009 07:12 PM

To: [protected]@in.abnamro.com,
[protected]@in.abnamro.com
cc:
Subject: Credit Card Grievance

Hi,

Please find required information for CC & revert asap to close this
issue.

Name: Arun K KK
Credit Card # [protected]XXXX

I had very miserable, frustrating moments with ABN Amro Bank for my Card # [protected]XXXX

During the months of September, October & November, 2008 I received unsolicited calls from ABN Amro Credit Card department requesting to avail a Holiday Package worth INR 4500/- and I have been phone stalked on numerous occasions and bugged me all the time to subscribe to the package, while I was traveling, at home & at office. After several warnings on not to call me, they have not heed to my words.

ABN Amro Credit Card agents even convinced me that once subscribed they would send a brochure which contains all necessary information regarding various options included in the package. They even assured me that if I'm not satisfied with the package they would refund the amount with out any charges. Sheer out of frustration and compulsion I had to subscribe as there is always an option to deny the proposal.

I informed ABN Amro Credit Card Agent that my account would go over-limit with this transaction and informed to wait until the due date, despite that I was charged on the same day.

I have not received the brochure as they promised that it would take no more than 7 working days. When I called the Credit Card department, they transferred to another team which takes care of promotions/ offers. The agent said that they cannot ship the brochure until they do not receive the Credit Card payment for that transaction (INR 4500/-), however, I said that when you have already debited INR
4500/- from my card how come you cannot ship the package, after arguing, I insisted to cancel the request and suggested to revert the transaction. To my utter surprise the agent denied me of doing that
and he claimed that the transaction was placed purely on your request and approval, so they cannot cancel the transaction. The agent was very harsh on me during the call and when demanded, he said that even his team leader or any superior cannot revert the transaction, however he suggested to payback only INR 1500/- and they would charge INR 3000/+ towards cancellation charges & other charges (said they have already paid to concerned Holiday Package Vendor). I outright denied the option and warned them I will not be able to make any other payments towards my credit card; however they did not care much.

The irony is INR 4500 was debited, as per the agent transaction is complete and the package would each in 7days. And I really wonder why they were waiting for my payment to be made before they could ship the package?

Realistically speaking, they should not have hold back the package.

I had literally miserable experience and they have made false promises and cheated on me.
On due date, 27th of November, 2008, I received a call from[protected]‏ threatening me to make the payment immediately and started saying I've involved in fraud and misuse of the card. I would like to get an explanation on what basis you judge I've committed fraud? There was a third person who was on the call, who entered while I was insisting for explanation to cool off things. Good that I've recorded those two calls which reflect how good your Hindi speaking Agents work for you and I've ample proof to show case the *customer service* offered to the customers. And I've a call which would make ABN Amro Bank accountable for and I need an unconditional apology and compensation for pestering. I would submit these call recordings to appropriate authority, if no resolution offered.

My key objectives:
* I need an explanation on fraud & misuse of the card
* I've committed as stated by your reps. And what basis you judge a transaction as fraud ?
* Revert the transaction of 4500/-.
* Cancel all the overdue, and interest charges levied starting from that transaction date.

Regards
Arun


<<<<<<<<< HISTORY OF EMAIL COMM >>>>>>>>>>>>


[protected] Forwarded message[protected]
From: <[protected]@in.abnamro.com>
Date: 2009/3/20
Subject: Re: Fwd: Credit Card Grievance
To: Arun K <Arun.***@gmail.com>



Dear Mr.KK,

We refer to your email dated March 18, 2009.

We thank you for providing eh contact numbers.

We wish to inform that your request regarding the debit from the saving account has been duly noted and referred to the concerned department. An officer from our Service Excellence Unit will be in touch with you in the next six (6) working days.

We request you to pay as per the monthly statement before the Payment due date to avoid further charges.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,
Vilma Lobo

****************
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********************************************************************************...⇄
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Arun K <Arun.***@gmail.com>

18/03/2009 04:05 PM


To: [protected]@in.abnamro.com
cc:
Subject: Re: Fwd: Credit Card Grievance


REF: [protected]

I've updated my contact number and new billing address.

you may reach me at 0-98850-***** (between 3pm-6pm only).

I've stopped the payment because of your service and not due to any
financial crisis at my end.

Banking Ombudsman has acknowledged my request and he would keep us posted.

regards
Arun.


2009/3/18 <[protected]@in.abnamro.com>:
>
> Dear Mr. KK,
>
> We refer to your email dated March 16, 2009.
>
> We apologise for the inconvenience caused during your recent communication
> with the bank.
>
> We wish to confirm that your feedback has been shared with the concerned
> unit Manager and we assure you that corrective actions have been initiated
> to avoid any such recurrences.
>
> Please note that since we have not received the payment for the captioned
> account, we have debited your Bank Account with us to regularize the
> outstanding which was overdue. This is as per the terms and conditions of
> the card member agreement document which had been sent to you as part of the
> card welcome kit.
>
> At the outset we regret the inconvenience caused due to the debit of the
> World Is Yours fee on your account
>
> We have already reversed the World Is Yours offer amount Rs. 4, 500.00 on
> your card account and the reversal is reflecting in your card statement
> dated 07/03/2009.
>
> We wish to inform you that your name is already registered in the ABN Do
> Not Call list.
>
> Please note that your feedback has been shared with the concerned unit and
> we assure you that corrective actions have been initiated to avoid any such
> recurrences.
>
> The finance charges are levied due to non payment of total outstanding
> within payment due date.
>
> We would also like to clarify that interest on any retail transaction is
> levied if the total outstanding is not paid within due date and this is
> calculated from the date of transaction until the total amount is fully
> repaid.
>
> We regret we will not be able to reverse the finance charges debited on the
> card account.
>
> We request you to make the payment as per the statement of account to avoid
> any further accrual of charges.
>
> We have been unable to contact you at the following numbers available in our
> records :
>
> Office Number:[protected]
> Mobile Number: [protected]
>
> We request you to please write back to confirm your latest contact details
> incase of any change, or alternately advise a right time to contact you to
> enable us to confirm the subject details .
>
> You may also quote the reference number [protected], in case you need
> any further clarification on the above resolution.
>
> Please feel free to write back to us for any further clarifications in this
> regard or call our 24-hour Bank by Phone service in your city and our
> executive will be glad to assist you.
>
> Assuring you of our best services.
>
> Yours sincerely,
>
> Manager, Client Response Unit
>
> ****************
> QUICK TIP
> ********************************************************************************...⇄
> Register for MasterCard SecureCode NOW & ensure safe internet transactions.
> For details chk your March statement or www.abnamro.co.in
> ********************************************************************************...⇄
> Why wait for a physical statement when it is also available just a click
> away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline
> and view statements upto 6 months Get FREE statements on email by just
> registering your email ID with us
> Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
> ********************************************************************************...⇄
> You may also avail the NEFT (National Electronic Funds Transfer) Facility.
> For making payments through NEFT, access NetBanking of the bank from
> where you wish to transfer the money and add your ABN AMRO Credit Card
> number as a beneficiary to receive the funds transferred.
> ********************************************************************************...⇄
> Access this URL to view the Bank by Phone numbers in your city -
> http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
> ********************************************************************************...⇄
>
>
> Arun K <Arun.***@gmail.com>
>
> 03/16/2009 05:04 PM
>
>
> To: [protected]@rbi.org.in
> cc: [protected]@in.abnamro.com
> Subject: Fwd: Credit Card Grievance
>
>
> Respected Sir,
>
> Please find required information to get an insight of my concerns:
>
> My Name: Arun K K.
> Credit Card Issuer: ABN Amro Bank
> My Card Number:[protected]XXXX
>
> ABN Amro Bank Reference Numbers: [protected], [protected]
>
> I've cooperated with ABN Amro Bank to extreme levels and waited for
> considerable time for a resolution, however, they are taking my
> concerns as granted. I request your guidance in this regard.
>
>
> I am using ABN Amro Credit Card[protected]XXXX) it was a
> challenging time dealing with Customer Service Representatives of the
> above service provider.
>
> During their promotion of “World Is Yours Voucher" scheme, they have
> phone stalked on numerous occasions. I’ve been mental-agony and phones
> stalked by these guys during the months of September, October and
> November, 2008 as I work in night shifts and sleep most part of the
> day. They did not heed to my words to stop making any calls.
>
> At last, due to sheer out of frustration and to stop those irritating
> calls during my sleep, I had to subscribe (Please read the following
> trail mail to better understanding of the issue).
>
> I waited for the Voucher which I did not receive, so that I could
> cancel it. When I called Customer Service, they informed me that I’ve
> to settle the amount through cash even though the amount has been
> debited from my Credit Card.
>
> After many phone calls, no one offered me assistance in dealing this
> issue and even I threatened the representatives that I would stop
> making any kind of payments until this is taken care off.
>
> Later, when I was not paying the Minimum Due Payment and my credit was
> going over-limit, then they started the feeling the pain (Obviously
> because, I stopped payments!). well, after sending emails to ABN Amro
> Credit Card Grievance services, they started to offer me “Waive offs”
> and “service gestures” to pacify me.
>
> In one of the email responses, they stated that, the rude behavior of
> the Representative was an “Aberration” but they failed to explain me
> what that means???
>
> I can produce evidence of numerous gullible consumers who fall prey to
> this Bank; especially because of their Reps behavior observed during
> the promotion of “World Is Yours Voucher" scheme. I’ve read lot more
> about ABN Amro Credit Card complaints all through the Public Forums.
> I’m negotiating with at least one of the victims (“World Is Yours
> Voucher" scheme), who would stand by me to prove my statements.
>
> Bottom line is, so called Aberration will not hold good.
>
> Well, they have reverted the Rs 4500/- charge towards the scheme but
> they have not reversed the Interest charges and other finance charges,
> because they have debited Rs 28, 000/- from my Savings Account, though
> I’ve not acknowledged it. (Reason: The CC is linked with Savings
> account) so, they don’t really need to negotiate/ pacify further,
> because they got all that Interest and overdue charges through my
> savings account. And they can sit and relax until next month so that
> can debit some more amount again!
>
> I request RBI Banking Ombudsman to study my grievance and provide
> appropriate opinion.
>
> - Apology letter from the ABN Amro Bank
> - Cancel all overdue, and interest charges levied from that
> last
> transaction date.
> - I need an explanation on fraud and misuse of the card I’ve
> committed
> as stated by the representatives.
>
> I can also produce at least one phone call which I’ve recorded during
> one of the conversations with ABN Amro Credit Card representative for
> better understanding of Customer Service offered. I'll be soon
> approaching Consume District Forum depending upon your opinion.
>
> Please find all the history of the entire episode for your better
> understanding as trail mail.
>
> Carbon Copy: [protected]@in.abnamro.com
>
>
> Thanks and regards
> Arun K K
>
>
>[protected] Forwarded message[protected]
> From: Arun K <Arun.***@gmail.com>
> Date: Sun, Feb 15, 2009 at 10:27 PM
> Subject: Re: Credit Card Grievance
> To: [protected]@in.abnamro.com, vikas.[protected]@in.abnamro.com
>
>
> Ref: [protected]
>
> I really wonder if you trying to resolve my issues or you keep trying
> to pacify me with these cheap offers like "waive offs, service
> gestures" and I assume that's too late for an offer.
>
> I still don't see any explanation of my previous email and still awaiting.
>
> I need an explanation on who has authorized or acknowledged for these
> transactions on my savings A/c 1355XXX.
>
> Date 31/01/2009
> T/F to CC: [protected]XXXX
> Debit INR 9, 400.00
>
> Date: 19/01/2009
> T/F to CC: [protected]XXXX
> Debit INR 1, 242.86
>
> I'm forwarding similar email to Banking Dept for an explanation.
>
> If see any transactions with out my acknowledgement towards Credit
> Card payment from the above savings account prior to addressing my
> concerns, I assume that you are asking for more. This would be my last
> email reply and the next course of action/response would be through
> Consumer Court/ RBI and I'm working on this as I write this email.
>
> Time and again I'm saying I owe you money...you have tested enough of
> my patience and determination.
>
> Regards
> Arun
>
>
> On Tue, Feb 10, 2009 at 5:11 AM, <[protected]@in.abnamro.com> wrote:
>>
>> Dear Mr. KK,
>>
>> We refer to your email dated February 09, 2009 addressed to Ms. Renu
>> Joshi.
>>
>> We would like to inform you that as per our records, the World Is Yours
>> offer voucher was delivered at your mailing address on December 04, 2008
>>
>> The World Is Yours offer fee of Rs 4500.00 will be reversed along with
>> associated service tax as a service gesture and credit of the same will
>> reflect in the next statement dated March 07, 2009.
>>
>> We have been receiving the payments less than the total amount due as
>> indicated in your account statements and therefore, finance charges have
>> been accumulated on your account.
>>
>> We would like to clarify that interest on any retail transaction is levied
>> if the total outstanding is not paid within due date and this is
>> calculated
>> from the date of transaction until the total amount is fully repaid.
>>
>> Please note that we have not received the payment as per statement dated
>> December 2008 and January 2009 on your card and therefore, charges have
>> been
>> accrued on your card.
>>
>> We regret that we will not be able to reverse the charges on your card
>> account due to non payment of dues within the due date.
>>
>> You may also quote the reference number [protected], in case you need any
>> further clarification on the above resolution.
>>
>> Please feel free to write back to us for any further clarifications in
>> this
>> regard or call our 24-hour Bank by Phone service in your city and our
>> executive will be glad to assist you.
>>
>> Assuring you of our best services.
>>
>> Yours sincerely,
>>
>> Manager, Client Response Unit
>>
>> ****************
>> QUICK TIP
>>
>> ********************************************************************************...⇄
>> Why wait for a physical statement when it is also available just a click
>> away! Enjoy Simple & Hassle free banking by just Registering on
>> Cardsonline
>> and view statements upto 6 months Get FREE statements on email by just
>> registering your email ID with us
>> Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
>>
>> ********************************************************************************...⇄
>> You may also avail the NEFT (National Electronic Funds Transfer) Facility.
>> For making payments through NEFT, access NetBanking of the bank from
>> where you wish to transfer the money and add your ABN AMRO Credit Card
>> number as a beneficiary to receive the funds transferred.
>>
>> ********************************************************************************...⇄
>> Access this URL to view the Bank by Phone numbers in your city -
>> http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
>>
>> ********************************************************************************...⇄
>>
>>
>> Arun K <Arun.***@gmail.com>
>>
>> 09/02/2009 04:51 AM
>>
>> To
>> renu.[protected]@in.abnamro.com
>> cc
>> [protected]@in.abnamro.com
>> Subject
>> Re: Credit Card Grievance
>>
>>
>>
>>
>> Hi,
>>
>> Ref# [protected]
>>
>> I not begging you people for any kind of apology, however I need
>> immediate solution by reversal of all Over-due charges, Interest and
>> other finance charges from the date of voucher transaction.
>>
>> I've not received "World Is Yours Voucher" till date as stated, please
>> cross check and revert.
>>
>> I wonder what "Aberration" means as per your statement and I am sure
>> this aberration will be encountered by most of the customers and you
>> still say it as aberration.
>>
>> I really don't care if you file a case/complain with RBI, or lodge a
>> criminal case. I've ample proof what your bank and your customer
>> service has been up to.
>>
>> Bottom line is I'm not trying to evade your Money; I'll pay it minus
>> the charges mentioned above.
>>
>> I can't spare time in dealing with this anymore and I may have to
>> assign this task to some one more authoritative if not resolved.
>>
>>
>> Regards,
>> Arun
>>
>>
>>
>> 2009/2/3 <[protected]@in.abnamro.com>:
>>>
>>> Dear Mr. KK,
>>>
>>> We refer to your email dated February 02, 2009.
>>>
>>> We apologize for the inconvenience caused during your recent interaction
>>> with the bank. Request you to view this incident as an aberration and not
>>> representative of our services.
>>>
>>> As part of our constant endeavour to provide our customers with excellent
>>> service, we keep introducing new products and services. To make our
>>> customers aware of the same, we convey such information via phone, letter
>>> or
>>> e-mail.
>>>
>>> We appreciate that you may not wish to be contacted for our telemarketing
>>> services. Basis your feedback we have updated your account in our do not
>>> call list.
>>>
>>> However, please note that this will be implemented within 30 days.
>>>
>>> We will appreciate your cooperation in this regard.
>>>
>>> We would like to clarify that late charges have been levied due to non
>>> payment of minimum amount due and Finance Charges are applicable on your
>>> previous outstanding and your fresh purchases if the payment is not made
>>> in
>>> full for your previous statement.
>>>
>>> We would also like to clarify that the over limit charges are levied due
>>> to
>>> over usage of the assigned credit limit .We would also like to clarify
>>> that
>>> the transaction for the over limit are authorized up to the specific
>>> limit
>>> to avoid any inconvenience to you while using the card.
>>>
>>> Therefore, please accept our inability in reversing the same.
>>>
>>> We request you to make payment as per statement of accounts to avoid any
>>> further charges.
>>>
>>> We would like to inform you that as per our records we have delivered
>>> World
>>> Is Yours Voucher at your preferred mailing address on December 04, 2008.
>>>
>>> We would like to clarify that as per the process we require the voucher
>>> for
>>> the cancellation of the same. We request you to please send the voucher
>>> on
>>> the address mentioned below:
>>>
>>> Manager - Operation
>>> Service Excellence Centre
>>> ABN AMRO Bank
>>> B 148, Sector 10
>>> Noida - 201301
>>>
>>> Post receipt of said voucher relevant reversal will be processed on your
>>> card account.
>>>
>>> We will appreciate your cooperation in this regard.
>>>
>>> You may also quote the reference number [protected], in case you need
>>> any
>>> further clarification on the above resolution.
>>>
>>> Please feel free to write back to us for any further clarifications in
>>> this
>>> regard or call our 24-hour Bank by Phone service in your city and our
>>> executive will be glad to assist you.
>>>
>>> Assuring you of our best services.
>>>
>>> Yours sincerely,
>>>
>>> Manager, Client Response Unit
>>>
>>> ****************
>>> QUICK TIP
>>>
>>>
>>> ********************************************************************************...⇄
>>> Why wait for a physical statement when it is also available just a click
>>> away! Enjoy Simple & Hassle free banking by just Registering on
>>> Cardsonline
>>> and view statements upto 6 months Get FREE statements on email by just
>>> registering your email ID with us
>>> Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
>>>
>>>
>>> ********************************************************************************...⇄
>>> You may also avail the NEFT (National Electronic Funds Transfer)
>>> Facility.
>>> For making payments through NEFT, access NetBanking of the bank from
>>> where you wish to transfer the money and add your ABN AMRO Credit Card
>>> number as a beneficiary to receive the funds transferred.
>>>
>>>
>>> ********************************************************************************...⇄
>>> Access this URL to view the Bank by Phone numbers in your city -
>>> http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
>>>
>>>
>>> ********************************************************************************...⇄
>>>
>>>
>>> Arun K <Arun.***@gmail.com>
>>>
>>> 02/02/2009 07:12 PM
>>>
>>>
>>> To: [protected]@in.abnamro.com,
>>> [protected]@in.abnamro.com
>>> cc:
>>> Subject: Credit Card Grievance
>>>
>>>
>>> Hi,
>>>
>>> Please find required information for CC & revert asap to close this
>>> issue.
>>>
>>> Name: Arun K KK
>>> Credit Card # [protected]XXXX
>>>
>>> I had very miserable, frustrating moments with ABN Amro Bank for my
>>> Card # [protected]XXXX
>>>
>>> During the months of September, October & November, 2008 I received
>>> unsolicited calls from ABN Amro Credit Card department requesting to
>>> avail a Holiday Package worth INR 4500/- and I have been phone stalked
>>> on numerous occasions and bugged me all the time to subscribe to the
>>> package, while I was traveling, at home & at office. After several
>>> warnings on not to call me, they have not heed to my words.
>>>
>>> ABN Amro Credit Card agents even convinced me that once subscribed
>>> they would send a brochure which contains all necessary information
>>> regarding various options included in the package. They even assured
>>> me that if I'm not satisfied with the package they would refund the
>>> amount with out any charges. Sheer out of frustration and compulsion I
>>> had to subscribe as there is always an option to deny the proposal.
>>>
>>> I informed ABN Amro Credit Card Agent that my account would go
>>> over-limit with this transaction and informed to wait until the due
>>> date, despite that I was charged on the same day.
>>>
>>> I have not received the brochure as they promised that it would take
>>> no more than 7 working days. When I called the Credit Card department,
>>> they transferred to another team which takes care of promotions/
>>> offers. The agent said that they cannot ship the brochure until they
>>> do not receive the Credit Card payment for that transaction (INR
>>> 4500/-), however, I said that when you have already debited INR
>>> 4500/- from my card how come you cannot ship the package, after
>>> arguing, I insisted to cancel the request and suggested to revert the
>>> transaction. To my utter surprise the agent denied me of doing that
>>> and he claimed that the transaction was placed purely on your request
>>> and approval, so they cannot cancel the transaction. The agent was
>>> very harsh on me during the call and when demanded, he said that even
>>> his team leader or any superior cannot revert the transaction, however
>>> he suggested to payback only INR 1500/- and they would charge INR
>>> 3000/+ towards cancellation charges & other charges (said they have
>>> already paid to concerned Holiday Package Vendor). I outright denied
>>> the option and warned them I will not be able to make any other
>>> payments towards my credit card; however they did not care much.
>>>
>>> The irony is INR 4500 was debited, as per the agent transaction is
>>> complete and the package would reach in 7days. And I really wonder why
>>> they were waiting for my payment to be made before they could ship the
>>> package?
>>>
>>> Realistically speaking, they should not have hold back the package.
>>>
>>> I had literally miserable experience and they have made false promises
>>> and cheated on me.
>>>
>>> On due date, 27th of November, 2008, I received a call from
>>>[protected]‏ threatening me to make the payment immediately and
>>> started saying I've involved in fraud and misuse of the card. I would
>>> like to get an explanation on what basis you judge I've committed
>>> fraud? There was a third person who was on the call, who entered while
>>> I was insisting for explanation to cool off things. Good that I've
>>> recorded those two calls which reflect how good your Hindi speaking
>>> Agents work for you and I've ample proof to show case the *customer
>>> service* offered to the customers. And I've a call which would make
>>> ABN Amro Bank accountable for and I need an unconditional apology and
>>> compensation for pestering. I would submit these call recordings to
>>> appropriate authority, if no resolution offered.
>>>
>>> My key objectives:
>>> * I need an explanation on fraud & misuse of the card
>>> I've
>>> committed
>>> as stated by your reps. And what basis you judge a transaction as
>>> fraud ?
>>> * Revert the transaction of 4500/-.
>>> * Cancel all the overdue, and interest charges levied
>>> starting from
>>> that transaction date.
>>>
>>>
>>> Regards
>>> Arun
>>>
>>>
>>>
>>>
>>>
>>>[protected][protected][protected][protected]
>>> This message (including any attachments) is confidential and may be
>>> privileged. If you have received it by mistake please notify the sender
>>> by
>>> return e-mail and delete this message from your system. Any unauthorised
>>> use
>>> or dissemination of this message in whole or in part is strictly
>>> prohibited.
>>> Please note that e-mails are susceptible to change. ABN AMRO Bank N.V,
>>> which
>>> has its seat at Amsterdam, the Netherlands, and is registered in the
>>> Commercial Register under number 33002587, including its group companies,
>>> shall not be liable for the improper or incomplete transmission of the
>>> information contained in this communication nor for any delay in its
>>> receipt
>>> or damage to your system. ABN AMRO Bank N.V. (or its group companies)
>>> does
>>> not guarantee that the integrity of this communication has been
>>> maintained
>>> nor that this communication is free of viruses, interceptions or
>>> interference.
>>>
>>>
>>>[protected][protected][protected][protected]
>>
>>
>>[protected][protected][protected][protected]
>> This message (including any attachments) is confidential and may be
>> privileged. If you have received it by mistake please notify the sender by
>> return e-mail and delete this message from your system. Any unauthorised
>> use
>> or dissemination of this message in whole or in part is strictly
>> prohibited.
>> Please note that e-mails are susceptible to change. ABN AMRO Bank N.V,
>> which
>> has its seat at Amsterdam, the Netherlands, and is registered in the
>> Commercial Register under number 33002587, including its group companies,
>> shall not be liable for the improper or incomplete transmission of the
>> information contained in this communication nor for any delay in its
>> receipt
>> or damage to your system. ABN AMRO Bank N.V. (or its group companies) does
>> not guarantee that the integrity of this communication has been maintained
>> nor that this communication is free of viruses, interceptions or
>> interference.
>>
>>[protected][protected][protected][protected]
>>
>
>