• To be eligible for this promotion, customers must use at least S$1,000 and above on EasiCredit account through ATM withdrawals and SMS <USE> to 72222 by 31 July 2010.

• This offer is limited to one gift per customer. This offer is valid whilst stocks last.

• The 1st 100 successful accountholders who use the account for an amount of $1,000- $1,999 will receive a Sony Ericsson HBV 100 Bluetooth Headset and 1st 100 successful accountholders who use an amount from $2,000 and above by 31 July will receive choice of a Sony Ericsson K320i mobile phone or a Lanvin wallet.

• A redemption letter will be issued to each of the successful customer by 31 August 2010.

• The eligibility of each customer to receive a gift and the type of gift received shall be determined at the absolute discretion of OCBC Bank. The gifts are not exchangeable for cash or other items. OCBC Bank reserves the right at its sole and absolute discretion to replace any gift with any item(s) of similar value. OCBC Bank shall not be responsible for the quality, merchantability or the fitness for any purpose or any other aspect of any gift. Notwithstanding anything herein, OCBC Bank shall not at any time be responsible or held liable for any defect or malfunction in any gift, and/or for any loss, injury, damage or harm suffered or incurred by or in connection with the use of any gift by any person. OCBC Bank reserves the right to waive/vary/amend any of these terms and conditions without prior notice. The decision of OCBC Bank on all matters relating to this offer shall be final and binding.