Terms and Conditions Governing the “OCBC Cash Advance Fee Waiver Promotion November 2009” (the “Promotion”)

1         Eligibility

             Only the following customers may qualify for the Promotion:-

 1.1               Existing OCBC principal credit cardmember who has received a direct mailer, inviting       him/her to participate in this Promotion and

 
1.2              Whose OCBC Credit Card account is in good standing with OCBC within the promotion   period shall be eligible to participate in the Promotion (an “Eligible Cardmember”).

             The OCBC Fairprice Plus Cards, UPlus, Debit Cards, Corporate Cards and Private Label Cards are           not eligible for this Promotion.

2.         Promotion Qualifying Periods

The Promotion Period shall be between 23 November 2009 and 31 December 2009 (both dates inclusive) or such other period as may be determined by Overseas-Chinese Banking Corporation Limited (“OCBC”) in its absolute discretion. 

3.         Awarding of Waiver

Under the Promotion, an amount equivalent to the any Cash Advance fee(s) charged during the Promotion Period shall be credited into the respective account of the Eligible Cardmember by 31 January 2010.

4.         General

4.1        OCBC Bank's decision on all matters relating to each Program will be final and binding on all participants. Without prejudice to the generality of the foregoing, OCBC Bank's record(s) shall be conclusive for all purposes and be binding on all participants.

4.2        OCBC Bank reserves the right at its absolute discretion to terminate each Program or vary, delete or add to any of these terms and conditions from time to time without notice.

4.3        OCBC Bank shall not be responsible for any loss to any person in connection with each Program howsoever arising, including any error in computing chances, any breakdown or malfunction in any computer system or equipment, any notice which is misdirected or lost in the post.

4.4        In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to each Program, these terms and conditions will prevail.

4.5        These terms and conditions shall be governed by the laws of Singapore and the participants shall irrevocably submit to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.