Terms & Conditions Governing Standard Chartered Bank Malaysia Berhad's ("Bank") Business Gold & Business Platinum

Petrol CashBack Campaign II 2012

1. Standard Chartered Bank Malaysia Berhad's ("Bank") Business Gold & Business Platinum Petrol CashBack Campaign II 2012 ("Campaign") will run from 1 September to 31 October 2012, inclusive of both dates ("Campaign Period"). By participating in this Campaign, participants agree to be bound by all the terms and conditions below.

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Eligibility 3. The Campaign is open to New Customers who: 3.1 apply for any of the following credit cards (Eligible Cards) with the Bank and have them approved during the Campaign Period: Business Gold Credit Card Business Platinum Credit Card 3.2 AND maintain their accounts with the Bank in good standing, without any breach of the terms and conditions or agreements, throughout the Campaign Period. (Eligible Customers). "New Customers" mean applicants who have not held any Standard Chartered Bank Malaysia Berhad credit card whether as principal or supplementary cardholder within the past 12 months before the applicant's credit card under this Campaign is issued. However, the following persons are not eligible for this Campaign: 4.1 Permanent and/or contract employees of the Bank (including its subsidiaries and related companies) and their immediate family members (spouses, children, parents, brothers and sisters); and/or 4.2 Representatives and/or agents (including advertising and Campaign agents) of Visa or MasterCard and their immediate family members (spouses, children, parents, brothers and sisters). Customers whose card accounts are suspended, cancelled or terminated for any reason during the Campaign Period will not be entitled for any cash rebate under this Campaign.

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CashBack 6. Eligible Customers will enjoy CashBack for petrol purchases made using the Eligible Cards within one year from the month in which the relevant cards were approved. This CashBack is in addition to the existing cashback for the Eligible Cards, as set out in the table below. CashBack Credit Card
CashBack A: Existing CashBack Business Gold / Business Platinum 0.5% of retail transactions (Petrol excluded) (Unlimited) CashBack B (this Campaign): Petrol CashBack 5% of petrol purchases (Capped at maximum of RM38 per month and RM 450 per year)

NOTE: CashBack B eligibility periods are as follows: Eligible Cards approved from 1 30 September 2012: CashBack B period is until 30 September 2013. Eligible Cards approved from 1 31 October 2012: CashBack B period is until 31 October 2013. 6.1 CashBack A: the existing 0.5% CashBack will continue in accordance with the existing terms and conditions. This CashBack will be credited and reflected in your statement within the same month. 6.2 CashBack B: the additional 5% CashBack is applicable only for petrol purchases in Malaysia. (a) Petrol purchases include transactions done at both island pumps and inside petrol kiosks, provided they are categorised by the merchant using approved petrol purchase codes. The Bank will not be responsible for any error in category codes used by the merchant. (b) CashBack is capped at RM38 per month and RM450 per year for each Eligible Customer. In addition, the Bank will pay out only up to a maximum total CashBack of RM1,370,000 from 1 September 2012 to 31 October 2013, across all Eligible Customers. (c) This CashBack will be credited to the Eligible Customers credit card account within 45 days after the end of the transaction month. (d) Each Eligible Customer is only entitled to CashBack B for one Eligible Card. If a customer took up both a Business Gold and Business Platinum Credit Card during the Campaign Period, then CashBack B will only be awarded to the Business Platinum Card. (e) The Banks records of details and dates of transactions are final and conclusive for purposes of this Campaign.

Example: Mr A had applied for a Business Platinum Card, which was approved on 9 September 2012. This means he is eligible for CashBack B from the time he activates his Card until 30 September 2013. He made the following transactions on this card. Mr A spent RM500 on retail transactions (other than petrol) on 20 September 2012. The CashBack A amount of 0.5% (RM2.50) will be credited to his card account the same month and reflected in his monthly statement for September. Mr A spent a total of RM788 on petrol transactions throughout September 2012. 5% of this amount is RM39.40. However, the CashBack cap of RM38 per month will apply, which means that Mr A will only receive a total CashBack B amount of RM38. This amount will be credited to his card account within 45 days from end September , namely by 15 November 2012. Assuming that the Bank has paid out the maximum total CashBack amount of RM1,370,000 across all Eligible Customers by 19 July 2013, Mr A will not receive any further CashBack B amounts for petrol purchases after that date. 7. Disputed transactions/billing will not be eligible for CashBack under this campaign. Reversals of disputed transactions or cancellation of any transaction will result in the corresponding CashBack being reversed.

General 8. The Bank's decision on all matters relating to this Campaign will be final and binding on all participants. If any matters arise which are not covered in these Terms and Conditions, they will be determined solely by the Bank. The Bank may vary any of these Terms and Conditions and extend the Campaign Period. Any such change will be announced on the Bank's website at standardchartered.com.my and in the Bank's branches.

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10. Eligible Cards under this Campaign will not be entitled to participate in other campaigns or promotions in relation to new credit card applications. 11. The Campaign and these Terms and Conditions are governed by the laws of Malaysia. The participants agree that the Courts of Malaysia have jurisdiction over all matters arising from this Campaign.