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This paper describes how we applied a fuzzy technique to a data-mining task involving a large database that was provided by an international bank with offices in Hong Kong. The database contains the demographic data of over 320,000 customers and their banking transactions, which were collected over a six-month period. By mining the database, the bank would like to be able to discover interesting patterns in the data. The bank expected that the hidden patterns would reveal different characteristics about different customers so that they could better serve and retain them. To help the bank achieve its goal, we developed a fuzzy technique, called fuzzy association rule mining II (FARM II). FARM II is able to handle both relational and transactional data. It can also handle fuzzy data. The former type of data allows FARM II to discover multidimensional association rules, whereas the latter data allows some of the patterns to be more easily revealed and expressed. To effectively uncover the hidden associations in the bank-account database, FARM II performs several steps which are described in detail in this paper. With FARM II, the bank discovered that they had identified some interesting characteristics about the customers who had once used the bank's loan services but then decided later to cease using them. The bank translated what they discovered into actionable items by offering some incentives to retain their existing customers.