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Very disorganized and the disclaimeris very unethical. The fact they charge Nu. 10 is atrocious. They are easing their banking by making it computerized. Instead of all lining up in counters in person. It is more of a convenience and its a service that should be free. The ATMs most of the time don't work and it never does auto reverses when money doesn't come through. You have to fill an application and it takes weeks and on one occasion more than a month.
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