Standard Chartered Bank (Malaysia) Berhad

TERMS AND CONDITIONS
Launch of Standard Chartered Bank & Liverpool Football Club (LFC) Debit Card Contest & Liverpool FC Membership Giveaway

Campaign

Standard Chartered Bank Malaysia Berhad (“SCBMB”) will be conducting a contest (“Contest”) and Liverpool FC membership giveaway (“LFC Membership Giveaway”) for all their customers who satisfy the eligibility criteria in paragraph 5 below from 18th July 2011 to 18th September 2011, inclusive of both dates (“Campaign Period”).

Campaign Eligibility

This contest is open to all customers of SCBMB who:

are individuals over the age of 18 years;

hold at least one Ringgit Malaysia personal current account or savings account with SCBMB:

have maintained their accounts with SCBMB in good standing, without any breach of the relevant terms and conditions; and

take up a Standard Chartered Liverpool FC MasterCard Debit Card (“LFC Debit Card”) during the Campaign Period.

(“Eligible Customers”). However, the following categories of persons are not eligible for this Contest:

i)	Permanent and/or contract employees of SCBMB (including its subsidiaries and related companies) and their immediate family members (spouses, children, parents, brothers and sisters).
ii)	Representatives and/or employees of SCBMB’s agents, including advertising and promotion agents.

Contest Participation

To participate in the Contest, Eligible Customers must use their LFC Debit Card to perform transactions of at least RM50 (in a single transaction), excluding ATM withdrawals from SCBMB / Standard Chartered Saadiq Berhad ATMs, (“Eligible Transactions”) within the Campaign Period. The date of a transaction will be deemed to be the date when it is “posted” to the Eligible Customer’s account, based on SCBMB’s records and as indicated in the relevant account statement or passbook. ATM withdrawal fees are excluded from calculation of the transaction amount.

Every Eligible Transaction will earn an Entry to the Contest.

“Green” Customers

Customers will earn bonus Entries for doing each of the following (“Green Services”), calculated at double the number of transactional Entries earned:

i)	sign up for SCBMB’s Online Banking and activate it, whether before or during the Campaign Period; or
ii)	sign up for SCBMB’s eStatement services (using the option where paper printouts of the statements will not be sent to the customer), whether before or during the Campaign Period; or
iii)	perform at least one Bill Payment via SCBMB’s Online Banking during the Campaign Period.

Example 1:
Customer A takes up the LFC Debit Card on 18 July:

Date	LFC Debit Card Activities	Entries Earned from LFC Debit Card Usage	Bonus Entries Earned for Green Services
18 July	Made a purchase of RM519.90 at a retail store	1
22 July	Performed an ATM withdrawal of RM100 via MEPS network	1
Total Transactional Entries		2
22 July	Sign up and activate Online Banking		X 2 of the Transactional Entries = 4
22 July	Sign up eStatement (without paper statements)		X 2 of the Transactional Entries = 4
23 July	Performed 1 Bill Payment via Online Banking		X 2 of the Transactional Entries = 4
Grand Total of Entries earned			14

Example 2:
Customer B takes up the LFC Debit Card on 20 July but did not sign up for / use any Green Services throughout the Campaign Period.

Date	LFC Debit Card Activities	Entries Earned from LFC Debit Card Usage	Bonus Entries Earned for Green Services
20 July	Used to make a purchase of RM150 at a retail store	1	0
25 July	Performed an ATM withdrawal of RM200 via HOUSe network	1	0
Grand Total of Entries earned		2

Contest Winner Selection

At the end of the Campaign Period, all Eligible Customers with at least one Entry will be listed (“List”) in accordance with their unique customer identification number in SCBMB’s records. After that, Eligible Customers who have more Entries will be added into the List a second time, again in the order of the customer identification number, then a third time, and so on until all Entries have been exhausted.

The total number of Entries in the List will be divided by 88 and the result rounded to the nearest whole number. This number will then be multiplied by 18 and the resulting number will be known as the “Determinant”. The shortlisted Winners for the Prize will be the names appearing on the List at the positions which match:

a)	the Determinant; and
b)	the Determinant multiplied by 2 (Determinant X 2).

After that, SCBMB will call each shortlisted Winner at his/her latest telephone number in SCBMB’s records, within 1 month from the end of the Campaign Period. The shortlisted Winners will be asked one question which he/she must answer correctly to win the Prizes. If the shortlisted Winner cannot be contacted or cannot answer the question correctly, a new shortlisted Winner will be selected and the calling process will be repeated. The new shortlisted Winner will be the next name on the List.

SCBMB will send the final Winners a confirmation letter before 1 November 2011. The Winners will also be announced on SCBMB’s website at standardchartered.com.my.

10.

If it is found at any time that any Winner (whether shortlisted or confirmed) did not meet all the criteria set out for this Contest, a new shortlisted Winner will be selected, who will be the next name on the List.

Contest Prize

11.

There are two Prizes, each comprising a fully paid 5 Days/4 Nights trip to Liverpool, England for 2 persons, including match tickets to watch a Liverpool game (“Prizes”). Each Prize includes:

a)	2 return economy class air tickets from KLIA to London, England (inclusive airport taxes).
b)	Return transfers from the airport in London to the hotel in Liverpool. These may be by air, land or rail, as SCBMB considers appropriate. The final arrangement will be notified to the Winners by SCBMB’s travel agent.
c)	2 match tickets to one Liverpool FC match selected by SCBMB.
d)	Hotel accommodation on twin sharing basis – room only, all other expenses to be borne by the Winners.
SCBMB’s travel agent will contact the Winners in the first week of November 2011.

12.

Each Eligible Customer is entitled to win only 1 Prize in this Contest.

13.

The Winners and the invited guests of the Winners must obtain valid passports, and visa, if required, at their own expense. Any other costs of the trip will be borne by the Winners.

14.

The Winners and their invited guests MUST travel together on 23 November 2011 (“Scheduled Date”). Winners cannot change any of the outward travel arrangements made by SCBMB (e.g. for different day and time of flight) for any reason. However, SCBMB may change the Scheduled Date if there are changes to the relevant match schedules, or to accommodate the overall travel arrangements. If any Winner chooses to extend their stay, all associated costs must be borne by the Winner.

15.

If a Winner is unable to travel on the Scheduled Date for any reason, he/she will forfeit his/her Prize. SCBMB will not compensate any Winner for failure to enjoy the Prize.

16.

The Prizes are neither transferable nor exchangeable for cash or for anything else.

Liverpool FC Official International Membership (“LFC Membership”) Giveaway

17.

Eligible Customers who fulfill all the criteria below will be entitled to a free LFC Membership for 1 year:

The customer must not have any existing current or savings account (including MortgageOne Accounts), fixed deposit or general investment account (collectively “CASA / FD”) with either SCBMB or Standard Chartered Saadiq Berhad as at the start of the Campaign Period. An individual is considered to hold a CASA / FD if they are named as an accountholder of a CASA / FD, whether in one name, jointly with other persons, as trustee or as beneficiary.

The customer must open a SuperSalary account with SCBMB during the Campaign Period and maintain an average daily balance (“ADB”) in that account of a minimum RM5,000 (using Fresh Funds) for a period of 3 months from the date of account opening. The ADB is calculated as follows:

ADB	=	Total of daily credit balances in that account during the 3 month period
		Number of days during the 3 month period

Example I:
Mr A is an Eligible Customer. He opens a SuperSalary Account on 20 July 2011 with an initial deposit of RM8,000. The total daily credit balances in Mr A’s SuperSalary Account from 20 July 2011 to 19 Oct 2011 (92 days) is RM930,000.
The average balance per day in the SuperSalary Account = RM930,000 / 92 days = RM10,108.70, which satisfies the minimum average balance requirement.

Fresh Funds means funds that did not originate from accounts held with either SCBMB or Standard Chartered Saadiq Berhad.

18.

Eligible Customers who fulfill the criteria in paragraph 17 will be given a “Promo Code” by post (at their correspondence address in SCBMB’s record) after the 3 month period. This Promo Code must be used for activation of the free 1-year LFC Membership. Eligible Customers would then need to access the membership page at www.liverpoolfc.tv and enter the Promo Code in the payment section to receive the free membership.

General

19.

SCBMB’s decision on all matters relating to this Campaign, including the selection of the Winners in the Contest, is final and binding. No appeal or correspondence will be entertained.

20.

Any matters not covered in these terms and conditions will be determined solely by SCBMB in its absolute discretion.

21.

By participating in the Campaign, all participants agree to be bound by these Terms and Conditions, and:

a)	consent for SCBMB to disclose their particulars to SCBMB’s merchants and service providers for purposes of fulfilling the Prizes and LFC Membership;
b)	agree to participate in any prize giving ceremony, interviews or publicity events required by SCBMB;
c)	consent for SCBMB to disclose or publish their personal information such as their names and identities and any general information that SCBMB sees fit about the participants or their account(s) in any media, marketing or advertising materials; and
d)	grant SCBMB the absolute and unfettered right to use, modify or publish any still or moving image of participants for any promotional, marketing, commercial or other related purpose, without any payment or compensation.

22.

SCBMB may vary any of these Terms and Conditions. Any such change will be announced on SCBMB’s website at standardcharted.com.my, and in SCBMB’s branches.

23.

SCBMB will not be liable to any person for any loss or damage to personal property, or for any personal injury or death sustained while on the trip.

24.

SCBMB are not the agent of the merchants and make no representation as to any services provided during the trip, such as the accommodation or travel. Any dispute about quality or performance of any service is to be resolved directly with the service provider.

25.

The Campaign and these Terms and Conditions are governed by the laws of Malaysia, and the participants submit to the jurisdiction of the Courts of Malaysia.

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