Bd 360 Rewards Catalogue 6a2915

Rewards Catalogue

Important Notes 1. All visuals shown in this catalogue are indicative and representative only; and the visualized product may not be available within the value of the corresponding Rewards Voucher. 2. The value of the Rewards Voucher has to be used in full for a single redemption. If the Rewards Voucher is used for any amount which is less than the total value of the Voucher, the unutilized amount will automatically lapse.

4. While you redeem the voucher at the Merchant point, you will be asked to produce your Credit Card to match the details with the Voucher and sign on the Rewards Voucher that will be solely used as your acknowledgment of the chosen Reward Item.

*Conditions apply

3. For transactions greater than the value of the Rewards Voucher, the Voucher can be clubbed with other modes of payment (e.g. Cash, Credit Card etc.).

Welcome to Standard Chartered Rewards Points Dear Valued Cardholder, Thank you for choosing Standard Chartered credit card. We are delighted to introduce the Standard Chartered Rewards Catalogue. This catalogue brings you a much wider scope of easy redemption opportunities against your Reward Points. This rewards catalogue is effective from 1 December, 2014. As you already know, you can earn Reward Points for every retail transactions on your Standard Chartered Credit Card (as applicable). For easy tracking of your Reward Points, please check your Credit Card monthly statement or Call our 24-hour Centre at 16233 or 8332272. Yours faithfully,

Kazi Hamidur Rahman Head, Credit Cards Standard Chartered Bank, Bangladesh

Contents Topic (Points-wise Rewards items)

Page

Points to

04-05

Mobile Phone Talk Time

06

Reward Points 900 - 3,250

07-09

Reward Points 3,600 - 6,750

10-13

Reward Points 7,100 - 11,800

14-17

Reward Points 11,800 - 18,000

18-19

Reward Points 22,500 - 37,500

20-21

Reward Points 39,100 - 80,000

22-23

Contents Topic (Points-wise Rewards items) Reward Points 125,000 - 312,500

Page 24

Reward Summary (Category-wise)

25-31

Frequently Asked Questions

32-33

& Conditions

34-39

Points to Use your Standard Chartered Credit Card to redeem the points.

Product

Reward Basis

No. of Reward Points

Credit Card

Every BDT 50

1

International Credit Card

Every US $ 1

1

Every BDT 50 or US $ 1of retail spend on credit cards will earn 1 Reward Point. Here, credit card transactions mean Point of Sale (POS) purchases only.

04

Points to for Standard Chartered Credit Card Easy Tips to earn more Reward Points •

Do not leave home without your Standard Chartered Credit Card; Shop, dine and entertain using it everyday. Enjoy the recognition and financial power while earning MORE points.

•

Every time you travel abroad, Use Standard Chartered Credit Card for all your retail transactions. Enjoy total convenience and flexibility while earning MORE points.

How to redeem your Reward Points •

To redeem your Rewards, please call our 24 hour Centre at 16233 or 09666777111 to speak to our Customer Service Representative and

•

Provide the Item Code (IC) for your reward from this new catalogue.

05

Rewards 400+ Points Mobile Phone Talk Time (IC 00A) Convert your Reward Points into Talk Time on your Mobile Phone (any operator) at the following conversion rates:

Mobile Phone Operator Talk Time Value Required Reward Points Banglalink Tk. 100 400 CityCell Tk. 100 400 GrameenPhone Tk. 100 400 Robi Tk. 100 400 Airtel Tk. 100 400 Teletalk Tk. 100 400 Please note: 1. Minimum Talk Time value of Tk. 100 must be redeemed in a single redemption request. 2. Above the minimum requirement, Reward Points can be redeemed for Talk Time up to any value in multiples of Tk. 100. 3. Standard Chartered Bank and the Mobile Phone Operator will require a minimum of One (1) business days to credit the Talk Time value onto your Mobile Phone. 4. For Post-Paid connections, the redeemed Talk Time value will appear as an adjustment in the following* month's bill. *Conditions apply

06

Rewards 900-2,000 Points

IC 001 Gift Voucher worth Tk. 400 Points  900

IC 003 Gift Voucher worth Tk. 750 Points  1,800

Fee Waiver

Fee Waiver

IC 002 50% Waiver on 1 year's Annual Fee on Silver / Cricket Credit Card Points  1,000

IC 005 50% Waiver on 1 year's Annual Fee on Gold Credit Card Points  2,000 07

Rewards 2,000-2,500 Points Fee Waiver

08

IC 006 100% Waiver on 1 year's Annual Fee on Silver / Cricket Credit Card Points  2,000

IC 008 Shopping Voucher worth Tk. 1,000 Points  2,500

IC 007 Gift Voucher worth Tk. 1,000 Points  2,350

IC 011 Shopping Voucher worth Tk.1,000 Points  2,500

Rewards 2,850-3,250 Points

IC 013 Gift Voucher worth Tk. 1,200 Points  2,850

IC 015 Gift Voucher worth Tk. 1,250 Points u 3,000

Fee Waiver

IC 014 Gift Voucher worth Tk. 1,200 Points  2,900

IC 016 50% Waiver on 1 year's Annual Fee on Platinum Credit Card Points  3,250 09

Rewards 3,600-4,000 Points

IC 017 Gift Voucher worth Tk. 1,500 Points  3,600

IC 019 Shopping Voucher worth Tk. 1,500 Points  3,750

Fee Waiver

10

IC 018 Gift Voucher worth Tk. 1,500 Points  3,600

IC 020 100% Waiver on 1 year's Annual Fee on Gold Credit Card Points  4,000

Rewards 4,500-5,000 Points

IC 021 Gift Voucher worth Tk. 2,000 Points  4,500

IC 022 Gift Voucher worth Tk. 2,000 Points  4,600

IC 024 Shopping Voucher worth Tk. 2,000 Points  5,000

11

Rewards 5,000-5,700 Points

IC 025 Shopping Voucher worth Tk. 2,000 Points  5,000

IC 027 Gift Voucher worth Tk. 2,500 Points  5,500 12

IC 028 Gift Voucher worth Tk. 2,500 Points  5,700

Rewards 5,800-6,750 Points Fee Waiver

IC 029 Gift Voucher worth Tk. 2,500 Points  5,800

IC 030 Gift Voucher worth Tk. 2,500 Points  5,900

IC 032 100% Waiver on 1 year's Annual Fee on Platinum Credit Card Points  6,500

IC 033 Gift Voucher worth Tk. 3,000 Points  6,750 13

Rewards 7,100-8,000 Points

14

IC 034 Gift Voucher worth Tk. 3,000 Points  7,100

IC 036 Gift Voucher worth Tk. 3,000 Points  7,250

IC 035 Gift Voucher worth Tk. 3,000 Points  7,200

IC 038 Gift Voucher worth Tk. 3,500 Points  8,000

Rewards 8,300-8,450 Points

IC 040 Gift Voucher worth Tk. 3,500 Points  8,300

IC 041 Gift Voucher worth Tk. 3,500 Points  8,300

IC 039 Gift Voucher worth Tk. 3,500 Points  8,300

IC 043 Gift Voucher worth Tk. 3,500 Points  8,450

15

Rewards 9,000-10,400 Points

IC 044 Gift Voucher worth Tk. 4,000 Points  9,000

16

IC 045 Gift Voucher worth Tk. 4,000 Points  9,300

IC 046 Gift Voucher worth Tk. 4,000 Points  9,700

IC 047 Gift Voucher worth Tk. 4,300 Points  10,400

Rewards 10,400-11,800 Points

IC 048 Gift Voucher worth Tk. 4,500 Points  10,400

IC 049 Gift Voucher worth Tk. 5,000 Points  11,200

IC 050 Gift Voucher worth Tk. 5,000 Points  11,250

IC 051 Gift Voucher worth Tk. 5,000 Points  11,800

17

Rewards 11,800-14,250 Points

18

IC 052 Gift Voucher worth Tk. 5,000 Points  11,800

IC 054 Gift Voucher worth Tk. 5,000 Points  11,800

IC 053 Gift Voucher worth Tk. 5,000 Points  11,800

IC 057 Gift Voucher worth Tk. 6,000 Points  14,250

Rewards 16,100-18,000 Points

IC 059 Gift Voucher worth Tk. 7,000 Points  16,100

IC 060 3 days/2 nights accomodation* in a regular room on prior booking from Dhaka, (subject to availability) Points  17,500

IC 061 Gift Voucher worth Tk. 8,000 Points  18,000

IC 062 Gift Voucher worth Tk. 7,500 Points  18,000 19

Rewards 22,500-25,000 Points

IC 065 Gift Voucher worth Tk. 10,000 Points  22,500

SB Tel Enterprises Limited (Home Appliances only)

20

IC 066 Gift Voucher worth Tk. 10,000 Points  23,200

IC 067 Gift Voucher worth Tk. 10,000 Points  25,000

IC 068 Gift Voucher worth Tk. 10,000 Points  25,000

Rewards 27,600-37,500 Points SB Tel Enterprises Limited (Home Appliances only)

IC 070 Gift Voucher worth Tk. 12,000 Points  27,600

IC 072 Gift Voucher worth Tk. 15,000 Points  34,800

IC 071 Gift Voucher worth Tk. 15,000 Points  33,750

IC 073 Gift Voucher worth Tk. 15,000 Points  37,500 21

Rewards 39,100-48,000 Points

IC 074 Gift Voucher worth Tk. 17,000 Points  39,100

22

IC 075 Gift Voucher worth Tk. 18,000 Points  42,750

IC 076 Gift Voucher worth Tk. 20,000 Points  45,000

IC 077 Gift Voucher worth Tk. 20,000 Points  48,000

Rewards 57,500-80,000 Points

IC 078 Gift Voucher worth Tk. 25,000 Points  57,500

IC 080 Gift Voucher worth Tk. 35,000 Points  78,750

IC 079 Gift Voucher worth Tk. 25,000 Points  60,000

IC 082 Air Ticket Voucher worth Tk. 32,000 Points  80,000

23

Rewards 125,000-312,000 Points

IC 083 Air Ticket Voucher worth Tk. 50,000 Points  125,000

24

IC 084 Air Ticket Voucher worth Tk. 85,000 Points  212,500

IC 085 Air Ticket Voucher worth Tk. 125,000 Points  312,500

Rewards Summary Categories & Rewards Computers Daffodil Computers Gift Voucher worth Tk. 5,000 Convenience (Fee Waiver) 50% waiver on 1 year’s Annual Fee - Silver Credit Card 50% waiver on 1 year’s Annual Fee - Gold Credit Card 100% waiver on 1 year’s Annual Fee - Silver Credit Card 50% waiver on 1 year's Annual Fee - Platinum Credit Card 100% waiver on 1 year’s Annual Fee - Gold Credit Card 100% Waiver on 1 year's Annual Fee - Platinum Credit Card Crockeries Shinepukur Ceramic Gift Voucher worth Tk. 3,000 Shinepukur Ceramic Gift Voucher worth Tk. 4,000 Daily Shopping Agora Shopping Voucher worth Tk. 1,000

25

Item Code

Reward Points

IC 052

11,800

19

IC 002 IC 005 IC 006 IC 016 IC 020 IC 032

1,000 2,000 2,000 3,250 4,000 6,500

7 8 8 10 11 14

IC 035 IC 046

7,200 9,700

15 18

IC 008

2,500

8

Index

Rewards Summary Categories & Rewards Nandan Mega Shop Shopping Voucher worth Tk. 1,000 Meena Bazar Shopping Voucher worth Tk. 1,500 Agora Shopping Voucher worth Tk. 2,000 Nandan Mega Shop Shopping Voucher worth Tk. 2,000 Electronics & Home Appliance Transcom Electronics Gift Voucher worth Tk. 2,500 Transcom Electronics Gift Voucher worth Tk. 3,500 Transcom Electronics Gift Voucher worth Tk. 7,000 Rangs Electronics Gift Voucher worth Tk. 7,500 Siemens Gift Voucher worth Tk. 10,000 Transcom Electronics Gift Voucher worth Tk. 12,000 Siemens Gift Voucher worth Tk. 15,000

Item Code

Reward Points

Index

IC 011 IC 019 IC 024 IC 025

2,500 3,750 5,000 5,000

9 11 12 13

IC 028 IC 038 IC 059 IC 062 IC 066 IC 070 IC 072

5,700 8,000 16,100 18,000 23,200 27,600 34,800

13 16 21 21 22 23 24

26

Reward Summary Categories & Rewards Transcom Electronics Gift Voucher worth Tk. 17,000 Rangs Electronics Gift Voucher worth Tk. 20,000 Transcom Electronics Gift Voucher worth Tk. 25,000 Rangs Electronics Gift Voucher worth Tk. 25,000 Fashionwear Cats Eye Gift Voucher worth Tk. 1,000 Artisti Collection Gift Voucher worth Tk. 1,200 Monsoon Rain Gift Voucher worth Tk. 1,500 Sopura Silk Mills Gift Voucher worth Tk. 2,000 The Raymond Shop Gift Voucher worth Tk. 2,000 The Raymond Shop Gift Voucher worth Tk. 3,000 Cats Eye Gift Voucher worth Tk. 3,500 Monsoon Rain Gift Voucher worth Tk. 3,500 The Raymond Shop Gift Voucher worth Tk. 4,000

27

Item Code

Reward Points

IC 074 IC 077 IC 078 IC 079

39,100 48,000 57,500 60,000

24 25 25 26

IC 007 IC 013 IC 018 IC 021 IC 022 IC 034 IC 039 IC 040 IC 045

2,350 2,850 3,600 4,500 4,600 7,100 8,300 8,300 9,300

8 10 11 12 12 15 16 16 17

Index

Rewards Summary Categories & Rewards Sopura Silk Mills Gift Voucher worth Tk. 5,000 Artisti Collection Gift Voucher worth Tk. 5,000 Cats Eye Gift Voucher worth Tk. 5,000 Monsoon Rain Gift Voucher worth Tk. 6,000 Furniture Otobi Gift Voucher worth Tk. 3,000 Otobi Gift Voucher worth Tk. 4,000 Otobi Gift Voucher worth Tk. 5,000 Hatil Gift Voucher worth Tk. 8,000 Otobi Gift Voucher worth Tk. 10,000 Otobi Gift Voucher worth Tk. 20,000 Hatil Gift Voucher worth Tk. 35,000

Item Code

Reward Points

IC 049 IC 053 IC 054 IC 057

11,200 11,800 11,800 14,250

18 19 20 20

IC 033 IC 044 IC 050 IC 061 IC 065 IC 076 IC 080

6,750 9,000 11,250 18,000 22,500 45,000 78,750

15 17 19 21 22 25 26

Index

28

Rewards Summary Categories & Rewards Gift Boutique Almas General Store Gift Voucher worth Tk. 750 Priyo General Store Gift Voucher worth Tk. 1,200 Almas Super Shop Gift Voucher worth Tk. 1,250 Aarong Gift Voucher worth Tk. 1,500 Aarong Gift Voucher worth Tk. 2,500 Almas General Store Gift Voucher worth Tk. 3,000 Shoppers World Gift Voucher worth Tk. 3,500 Priyo Super Shop Gift Voucher worth Tk. 3,500 Almas Super Shop Gift Voucher worth Tk. 4,300 Aarong Gift Voucher worth Tk. 5,000 Aarong Gift Voucher worth Tk. 18,000

29

Item Code

Reward Points

IC 003 IC 014 IC 015 IC 017 IC 030 IC 036 IC 041 IC 043 IC 047 IC 051 IC 075

1,800 2,900 3,000 3,600 5,900 7,250 8,300 8,450 10,400 11,800 42,750

Index 7 10 10 11 14 15 16 17 18 19 25

Rewards Summary Categories & Rewards Jewellery New Apan Jewellers Gift Voucher worth Tk. 10,000 Venus Jewellers Gift Voucher worth Tk. 10,000 Time-Out Club Gelato Gift Voucher worth Tk. 400 Club Gelato Gift Voucher worth Tk. 2,500 Travel Seagull Hotel, Cox's Bazar 3 Days/2 Nights accommodation* Package, subject to availability Travel House Ltd. Air Ticket Voucher worth Tk. 15,000 Galaxy Travel Ltd. Air Ticket Voucher worth Tk. 32,000 Galaxy Travel Ltd. Air Ticket Voucher worth Tk. 50,000 Travel House Ltd. Air Ticket Voucher worth Tk. 85,000 Travel House Ltd. Air Ticket Voucher worth Tk. 125,000

Item Code

Reward Points

IC 067 IC 068

25,000 25,000

23 23

IC 001 IC 027

900 5,500

7 13

IC 060 IC 073 IC 082 IC 083 IC 084 IC 085

17,500 37,500 80,000 125,000 212,500 312,500

21 28 30 31 31 31

Index

30

Rewards Summary Categories & Rewards Watch Saco Watch Gift Voucher worth Tk. 2,500 Saco Watch Gift Voucher worth Tk. 4,500

31

Item Code

Reward Points

IC 029 IC 048

10,400 10,400

Index 18 18

Frequently Asked Questions Q A

How can I earn Reward Points? You can earn one (1) Reward Point for every retail purchase of Tk. 50 on your Standard Chartered Credit Card. The more you use the Card, the more points you earn. Please note that Reward Points are not applicable to Cash Advance, Card Cheque and Auto Billspay related transactions.

Q A

Can my Supplementary Cardholders also earn and claim Reward Points? All retail transactions on your Supplementary Card will also earn Reward Points as mentioned above, and these points are automatically transferred to the Primary Card . Only Primary Cardholder can request for redemption of Reward Points.

Q A

What can I get against my Reward Points and how quickly will you process it? You can use your Reward Points for any of the following exciting options, and please refer to your Rewards catalogue for more details. • Annual Fee Waiver on your Credit Card – Processed within 1 working day • Gift Vouchers from any of the 40+ Partner Outlets – Voucher delivered within 4 working days • Mobile Talk-time – Processed within 1 working day

Q A

How do I redeem Reward Points? Once you have decided to redeem a specific Reward Item for which you have already earned sufficient Reward Points, simply call our 24-hour Centre to redeem.

Q A

Are the Reward Points encashable? You can order any reward Item of your choice from the rewards catalogue only and the Reward Points are not redeemable for Cash or Credit.

32

Frequently Asked Questions

33

Q A

What happens to my Reward Points when my Card is upgraded/downgraded? In such cases, your Reward Points will be automatically transferred to the new Card.

Q A

Can I split-up the total Reward Points I have earned for multiple Reward items? Yes, you can redeem your Reward Points for multiple reward items.

Q A

Can I combine the Reward Points on different Cards or transfer from one to the other? No. The Reward Points earned on different Cards shall remain separate; and cannot be combined or transferred for any purpose.

Q A

Is there any expiry for Reward Points? With effect from 1 February 2012, Reward Points will expire after 3 (Three) years unless redeemed earlier. Expiry date of Rewards for every transaction will be calculated separately. In case of transactions within the same month, the last date of the 36th month will be considered as the date of expiry. All such transactions irrespective of the transaction date. For example, if you earn 100 points for a transaction on 15 March, 2012, the points will expire on 31 March, 2015.

Q A

What will happen to the Reward Points I have already earned as of 31 January, 2012? Unless redeemed earlier, these points will expire after 3 (Three) years on 31 January, 2015.

Q A

How can I keep track of my Reward Points? Your monthly Credit Card statement will reflect the total number of Reward Points you have earned and redeemed.

& Conditions "Rewards Programme" means the benefit programme for Cardholders operated by the Bank from time to time pursuant to the Conditions.

1. Definitions and Interpretations 1.1 In these and Conditions, unless the contest otherwise requires, "Bank" means Standard Chartered in Bangladesh and only refers to the branches of Standard Chartered Bank carrying on business in Bangladesh.

"Tk" or "Taka" means the lawful currency of the Peoples Republic of Bangladesh. "Reward Point" means a point accumulated by a Cardholder towards participation in the Rewards Programme through Credit Card use by that Cardholder. Reward Points calculation is determined by the Bank and can be varied from time to time.

"Business Day" means a day other than a Govt. Holiday or Friday that Bank is open for business in Bangladesh. "Cardholder" means a customer of the Bank owning a Credit Card. "Conditions" mean the the date when Standard Chartered Bank launches the Rewards Progamme. "Conditions" mean the and Conditions of the Rewards Programme, as amended by the Bank from time to time. "Credit Card" means a Card that is validly issued by the Bank to a Cardholder, in goods standing in all respects and is not in payments arrears or otherwise in default in any date of redemption of points by a Cardholder during the same Rewards Programme. "Rewards Catalogue" means the catalogue of Rewards published by the Bank from time to time. "Rewards Centre" means Card, Consumer Banking, established by Bank in Bangladesh to manage the Rewards Programme, the details of which shall be as published by Bank from time to time.

Retail Purchase (except Auto Billspay) of Tk. 50 is equivalent to 1 "Reward Point" earned. 1:2 In these Conditions unless the context otherwise requires: (a)

the singular includes the plural and vice versa;

(b)

a reference to a person includes and incorporated or other entity;

(c)

references to clauses are to clauses of these Conditions;

(d)

references to the Conditions, the catalogue or any other document published by the Bank in relation to the Rewards Programme mean the Conditions, catalogue or other document as amended, supplemented or replaced by the Bank from time to time; and

(e)

Reference to Bank or a Cardholder in these Conditions, the catalogue or any other document published by the Bank in relation to the Rewards

34

& Conditions Programme include that party's executors, s, substitutes, successor and permitted assigns. 1.3 In these Conditions, headings are used for convenience of reference only and do not affect interpretation. 1.4 The Conditions are supplemental to and in no way to the exclusion of the general and Conditions of issue of Credit Cards. To the extent, if any inconsistency between the Conditions and the general and Conditions of issue of Credit Cards, the general and Conditions shall apply to the exclusion of these Conditions. 2.

35

Participation

2.3 Each Cardholder holding a Standard Chartered Taka Credit Card at the commencement date shall automatically qualify to participate in the Rewards Programme and may accumulate Reward Point from the commencement date. Cardholder acquiring Credit Cards after the commencement date will participate in the Rewards Programme from the date their Credit Cards are activated and become effective. 2.4 No Reward Point shall accrue in respect of a transaction where Bank believes that: (a)

A false, inaccurate, or fraudulent Credit Card transaction has occurred.

(b)

The accuracy, amount or other particulars of any Credit Card transaction are disputed by the Bank, a Cardholder, the retailer or any other party;

2.1 The Rewards Programme is established by the Bank to reward Cardholders for their loyalty and credit worthiness in the use of Credit Cards. The Rewards Programme will enable Cardholders to accumulate Reward Points that may subsequently be redeemed for Rewards as detailed in Rewards catalogue subject to the Conditions.

(c)

2.2 Entitlement to participate in the Rewards Programme is limited to Standard Chartered Taka Credit Cardholders, whose Credit Cards are valid and in good standing in all respects with the Bank and are not in payment arrears or otherwise in default in way at the commencement date or at any time thereafter. This programme does not include other Credit Cards or International Cards issued by the Bank.

2.5 Unless otherwise determined by the Bank, any breach of the Conditions or the general and Conditions of issue of Credit Cards by any

or The validity or any credit transaction for payment purpose is challenged for any reason whatsoever; Following investigation, if the Bank determines that the transaction is valid and accurate in all respects; the Reward Points attributable to that transaction will be accumulated for the Cardholder.

Cardholder shall automatically disqualify that Cardholder from participation in

& Conditions the Rewards Progamme and any Reward Points shall have been accumulated by that Cardholder shall be immediately forfeited. 2.6. Where Cardholder wishes to cancel his Credit Card or any Supplementary Card, any redemption of Reward Points arising from the relevant Card for Rewards by that Cardholder must occur prior to cancellation. Any accumulated Reward Points that exist upon cancellation of a Credit Card shall be immediately forfeited. 2.7 The accumulated Reward Points relating to a Credit Card shall immediately be forfeited upon expiration of that Credit Card. 2.8 Points earned through spending by a Supplementary Cardholder will be credited to the of Primary Cardholder and may be used by the Primary Cardholder for redemption of the Rewards. 3.

Reward Points

3.1 A Cardholder will accumulate Reward Points by reference to the value of retails purchases, less any reversals of retail purchases, made by that Cardholder using his/her Credit Card during the course of the Rewards Programme. A Cardholder shall not accumulate any Reward Point in relation to cash advances or withdrawals, annual fee payments, interest or financial charges, Credit Card payments, any Charges for cash advance or withdrawals, any charges for dishonoured cheque or other Credit Card payments, charges for replacement or Supplementary Cards,

payment of s for insurance policies or products, financial penalties of any kind or any fee, charges or tax imposed on the by the Bank from time to time. The Auto Billspay transactions are also excluded from accumulating any Reward Points. Bank may at any time vary the range of Credit Card transaction that qualify for points under the Rewards Programme. 3.2 Unless otherwise determined by the Bank at any time, a Cardholder will accumulate one Reward Point for every Tk. 50 of qualifying retail purchases charged to his/her Credit Card during the Rewards Programme period. Reward Points will accumulate on a monthly basis by reference to the total value of qualifying retail purchase made during that month. The monthly Credit Card statement issued by the Bank will specify the Reward Points earned during the statement period together with the accumulated Reward Point of the Cardholder. In case of fraction amounts, the remaining unused transaction amount after calculating Reward Points for the whole amount in multiples of Tk. 50.00 will be accrued and clubbed with future transactions. 3.3 Unless otherwise determined by the Bank, each Rewards Programme will run for a specified period and the Bank shall determine the duration on each Rewards Programme period in its sole discretion. 3.4 Cardholders may accumulate Reward Points and redeem those Reward Points for Rewards from the current Rewards catalogue during the same Rewards Programme period. Reward Points that have not been redeemed for Rewards at the end of a Rewards Programme period shall

36

& Conditions be carried forward to a subsequent Rewards Programme period. 3.5 Cardholders will have a period of 3 months from the date of expiration of a Rewards Programme within which, to redeem the Reward Points accumulated during that period for Rewards. This may only be claimed from the Rewards catalogue that is applicable at the date of Redemption of Reward Points. 3.6 For the purpose of the calculation and redemption of the Reward Points for Rewards, where a Cardholder owns a Primary Credit Card that has an attaching Supplementary Credit Card, the points that are accumulated on the Primary and Supplementary Credit Card will be aggregated for the purpose of calculating Rewards entitlements. In such circumstances, however only the Primary Cardholder (and not a Supplementary Cardholder) may redeem the accumulated Reward Points for Rewards. Where a Cardholder holds two or more separate Credit Cards, the Reward Points that may be accumulated on each such Credit Card shall remain separate and distinct and may not be aggregated for any purpose. 3.7 Reward Points earned cannot be encashed, sold, transferred or otherwise assigned from one Cardholder to another. 3.8 All Rewards Programme date and records kept by the Bank, including information, shall be final and binding on all Cardholders. No Cardholder shall be entitled to challenge the validity or accuracy of Bank's Rewards

37

Programme, date or records for any purpose whatsoever. 3.9 The Rewards Programme is subject to automatic annual renewal unless discontinued or amended by the Bank at its sole discretion. 3.10 Effective 1st February 2012, Reward Points will expire in 3 (Three) years. Last date of the month will be considered as the date of expiry for a transaction irrespective of the actual date of transaction of that month while calculating 3 years time period. Expiry date of each & every transaction will be calculated separately. For the Reward Points already earned in as of 31st January 2012 will expire after 3 (Three) years on 31st January 2015. 4.

Rewards Catalogue and Reward Points

4.1 Bank will periodically publish a Rewards catalogue during the course of a Rewards Programme. 4.2 All Rewards shall be subject to availability and Cardholders acknowledge that the stocks of all the Rewards shall be limited. Where the stocks of any Rewards have been exhausted and Bank cannot replace it with a similar product/model of equivalent value that Rewards shall cease to be available. Bank shall have no obligation or liability to any Cardholder where a Reward ceases to be available. Where a Cardholder attempts to claim a Reward that has ceased to be available. Bank will advise the Cardholder of that fact and the sole entitlement of that Cardholder shall be to claim an

& Conditions alternative Reward for a similar number of Reward Points. 4.3 Cardholders shall direct all enquiries or correspondence in relation of the Rewards Programme, including redemption of points for Rewards, to the Card Centre. Cardholder enquiries shall be made by telephone, facsimile, or letter or other method approved by the Bank from time to time. 4.4 The Bank will issue a letter to the Cardholder in his/her billing address advising him/her to collect the Reward from a selected merchant establishment. The Cardholder will present the letter to the designated merchant together with his/her Credit Card and sign an acknowledgment receipt for the Reward. The merchant will match the signature of the Cardholder with the back of the Credit Card and also keep an imprint of the Cardholder's Credit Card on a sales slip as validation and then deliver the Rewards to the Cardholder. 4.5 Bank shall have no liability for any loss or damage of Rewards during the course of delivery. 4.6 It is anticipated that the Card Centre shall require 10 days time to process Rewards and send Rewards Redemption Voucher to Cardholders. Bank will have no liability for any delay in processing Rewards to Cardholders. 4.7 Bank provides no guarantees, warranties or assurances to Cardholders concerning the quality of any Reward or its fitness for any particular use or purpose. Rewards shall be received and used by Cardholders at their sole risk. Bank shall have no liability whatsoever for any loss, damage or injury arising to the Cardholder or any other person or properties as a result of the

use of any Reward for any purpose whatsoever. The exclusive rights and remedies of a Cardholder in respect of the use of any Reward shall be as permitted by law of Bangladesh against the actual manufacturer or merchant of that Reward. 4.8 The description of any Reward in any Rewards catalogue shall be based exclusively on the information provided to Bank by the merchant or manufacturer of that Reward. Cardholders acknowledge that all issues relating to the after-sales-service of Rewards, including batteries or accessories shall be exclusively between the Cardholder and the Merchant or manufacturer of the Reward and shall not form a part of the Rewards Programme. 4.9 Reward items in the form of a ticket or voucher shall, unless the Bank otherwise specifies, exclude any reservation fee, accommodation, insurance, travel tax or other taxes and fees. All such additional fees, charges or taxes applicable to the use of such a Reward shall be borne by the Cardholder and shall be paid directly to the Merchant by the Cardholder upon redemption or use of that Reward. 4.10 No Reward may be returned or replaced with cash or substituted for another Reward by a Cardholder. 4.11 Where redemption or use any Reward is subject to a Cardholder participation in the hip programme of the provider of that Reward, redemption of use of that Reward by the cardholder will be conditional on the Cardholder first being a member of that provider's hip programme. Such hip programmes may include, without limitation; those operated by airlines, hotels or other service providers.

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& Conditions 4.12 The Reward catalogue is valid for a year or for any period as decided by the Bank from the date of commencement. 5.

Miscellaneous

5.1 All taxes or duties of other Government or public utility fees or charges attributable to the redemption or use any Reward shall be the exclusive responsibility of the Cardholder and the Bank shall have no liability of any kind in relation thereto. 5.2 Bank shall have no liability whatsoever in relation to any inaccuracy or mis-description contained in any Rewards catalogue. 5.3 The laws of Bangladesh govern these conditions. 5.4 Notwithstanding anything contained elsewhere in these conditions, Bank in its sole discretion for any reason whatsoever, at any time vary, modify suspend or cancel; (a)

the Rewards Programme or any of the conditions or;

(b)

the participation of any individual Cardholder in the Rewards Programme,

by notice in writing. Any such variation, modification, suspension or cancellation shall take effect from the date specified in such notice and the Bank shall have no liability or obligations of any kind to Cardholders or any other persons for any loss or damage suffered as a result thereof. 5.5 In performing of the Rewards Programme, Bank shall not be responsible for

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any delay or non-performance arising as a result of any matter beyond the reasonable control of the Bank. Matters beyond the reasonable control of the Bank shall include, without limitation, any breach, failure or non-performance by the manufacturer or merchant of any Reward; industrial disputes (including strike, lockouts and the like) acts of God (flood, fire, earthquake etc.) riot, demonstration or civil disturbances of any kind, damage or destruction to machinery, equipment or records of Bank or any Rewards provider, acts of war or sabotage of any kind, any change in the laws, regulations or policies of Government of Bangladesh or in the interpretation thereof, or any other matter impacting on performance of the Rewards Programme by the Bank. In such an event continues for a continuous period of three months, or for more than four months in any twelve month period, Bank may immediately terminate the Rewards Programme by notice in writing. Upon termination, the Bank shall be released from all obligations under the Rewards Programme and shall have no liability of any kind to Cardholders or any other person. 5.6 The decision of the Bank in all matters of the Programme will be final and binding on the participants of the subject Programme.

For more details, call 8332272 or 16233 (from mobile).