20.1 You hereby irrevocably agree to indemnify Affin Banking Group, its directors and employees from and against any and all claims, losses, liabilities, damages, penalties, actions, cost and expenses(including but not limited to any legal fees) or disbursements of any kind whatsoever which may be imposed on, incurred by or asserted against the Bank in respect of any statement, representation, communications, act and/or omission in any way relating to or arising out of the negligence of or willful misconduct of or breach of or any omission, delay, default or failure of the Customer's obligations under the Terms and Conditions as provided herein or howsoever caused by the Customer and/or any of its officers or employees in the performance of its obligations under the Terms and Conditions. This obligation to indemnify Affin Banking Group shall survive the termination or expiry or cessation of any of the Affin Bank Internet Banking Service to the Customer by either party.

20.2 The Customer undertakes to indemnify the Bank for any breach of secrecy and any consequences arising therefrom, which shall include any unauthorised or unlawful access to the information by any third party employing any means whatsoever

20.3 The Customer further agrees that the Bank shall not be liable to the Customer for and with respect to any third party claim and the Customer shall indemnify and hold the Bank harmless from and against any liability, claim, loss, damage or expense of any kind (including strict liability in tort) relating to or arising out of third party rights and the infringement thereof.

20.4 The Bank shall not be responsible for fraudulent or unauthorised instructions, or any loss (including consequential loss), damage or liability whatsoever suffered and/or incurred by the Customer unless arising through the gross negligence or wilful default of the Bank

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