Terms and Conditions Governing the “OCBC 50% Cash Advance Fee Waiver Promotion” (the “Promotion”)

1.         Eligibility

Any existing OCBC Visa/MasterCard Credit Card whose Card Account is valid, subsisting and in the opinion of the Bank in good standing, shall be eligible to participate in Promotion (an “Eligible Cardmember”). The OCBC Fairprice Plus Cards, NTUC Plus, Debit Cards, Corporate Cards and Private Label Cards are not eligible for this Program.

2.         Promotion Qualifying Periods

The Promotion shall commence on 20 January 2009 and continue up to (and including) 31 January 2009 (the "Qualifying Period").

3.         Awarding of Waiver

3.1       Under the Promotion, the 50% waiver amount of the Cash Advance fee shall be reversed out only in respect to the Cash Advance withdrawn from the account of the Eligible Cardmember within 60 days from the end of Qualifying Period.

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 ofSingapore 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.