The OCBC 3rd Contest Giveaways (“the “Promotion”) is opened to all Eligible Account Holders of OCBC Bank (Malaysia) Berhad (the “Bank”) from 1 Dec 2005 to 31 Mac 2006 (both dates inclusive) (“the Promotion Period”) subject to these terms and conditions.

Eligibility

1. Except as otherwise stated herein, any person who is either (i) a new principal accountholder of a VISA/ MasterCard Credit Card (a " Credit Card") issued by the Bank during the Promotion Period or (ii) an existing principal Credit Card accountholder whose Credit Card accounts are in good standing with the Bank during the Promotion Period (each a "Credit Card Member"), shall be eligible to participate in the Promotion subject to these terms and conditions.
   
   For the purposes of these terms and conditions, “Eligible Account” means any Credit Card account referred to in the foregoing and an “Eligible Account Holder” means any Credit Card Member.
2. Employees of the Bank and its related companies the Bank's advertising agencies and any other parties who are directly involved in organising, promoting or conducting the Promotion as determined by the Bank are not eligible to participate in the Promotion.

Allocation of Chances

3. Credit Card
   1. Fifty (50) chances will be awarded to each new Credit Card Member who is issued a Credit Card by the Bank during the Promotion Period.
   2. Each Credit Card Member will be awarded twenty (20) chances for each supplementary credit card that is issued by the Bank at his/her request during the Promotion Period.
   3. Chances are awarded each month to a Credit Card Member based on Credit Card transactions posted during the Promotion Period (which includes retail transactions, cash advances and balance transfers but excludes interest, finance charges, annual subscription fees and card renewal fees) as reflected in the monthly statement of account of his/her Credit Card Card account (“Qualifying Expenditure”). One (1) chance will be awarded to the Credit Card Member for every RM100 (but not part thereof) of Qualifying Expenditure incurred by either the Credit Card Member or his supplementary cardholder(s).
4. All chances allocated to an Eligible Account Holder will be eligible to for the Ballot except in the following situations :-
   1. where any Credit Card is suspended, closed or terminated (whether by the Bank or otherwise) for any reason whatsoever before the Ballot, all the chances accumulated in connection with such Credit Card shall (subject to Clause 5 and 6 below) be automatically forfeited; and/or
   2. where an Eligible Account Holder is deceased, all the chances accumulated in connection with an Eligible Account vested or held in the name of the estate of such deceased original Eligible Account Holder shall be automatically forfeited.
5. The number of chances allocated to an Eligible Account Holder shall be final and conclusive and (save with the prior consent of the Bank) not transferable.
6. Notwithstanding Clause 4(a), the Bank reserves the absolute discretion to allow a transfer of the chances accumulated in connection with an Eligible Account of the Eligible Account Holder which is/are to be forfeited under Clause 4(a) and deem such chances to have been allocated to such Eligible Account Holder in connection with his/her other Eligible Account(s).

The Ballot

7. The balloting will take place on 2 May 2006 at the premises of the Bank at 5.00 p.m. or on such other date or time or at such other venue as may be determined by the Bank. The Bank will select at random thirty (30) Eligible Account Holders (the “ Finalists”) during the Ballot in the presence of its auditors. The Bank reserve the right to draw additional candidates to replace any of the Finalists subsequently found to be disqualified.
8. The Finalist will be notified and contacted via phone to answer one (1) question correctly to be entitled to the Prizes. If a Finalist cannot be contacted after three attempts, or fails to answer the one question correctly, another Finalist will be selected and the above process will be repeated until the requisite number of winners are successfully selected.
9. Each Winners will only be entitled to one Prize (defined below) to be allocated by the Bank

The Prizes

10. The prize to be awarded in the Ballot is as follows:
    (i) One piece of Canon Digital Ixus 55 and one piece of Canon Direct Printer CP400 for each of the thirty (30) Winners;
11. The Prize shall not be transferable or exchangeable for cash, credit or otherwise and shall be collected at the risk and cost of the respective prize winner. The Prizes must be personally claimed by the prize winners. Where any Prize remains unclaimed for 2 months after the date of the Ballot, it will be forfeited. Any Winner whose Prize has been forfeited is not entitled to any payment or compensation notwithstanding non-receipt of notification.
12. The Bank reserves the right to withdraw or substitute any Prize with other items without prior notice and without assigning any reason for the same.
13. The Bank shall not be responsible for the quality, merchantability or the fitness for any purpose or any other aspect of any Prize.
14. Notwithstanding anything herein, the Bank shall not at any time be responsible or held liable for any damage or defect in the Prizes, and/or for any loss, injury, damage or harm suffered or incurred by or in connection with the use of the Prizes by any person.

General

15. The prize winners’ participation in the draw is subject to the condition that the prize winner co-operate with and participate in any advertising or publicity activities of the Bank relating to the Promotion and that the Bank may publicise the name and/or photograph of the prize winners in such mode and manner as it considers fit.
16. Without prejudice to these terms and conditions, all participants’ participation in the Promotion is on the condition that they irrevocably permit and authorise the Bank to disclose, reveal and divulge information regarding their particulars to the parties involved in organising, promoting and conducting the Promotion for the purposes of the Promotion.
17. The Bank's decision on all matters relating to the Promotion will be at its absolute discretion and will be final and binding on all participants. Without prejudice to the generality of the foregoing, the Bank's record(s), including, without limitation, in relation to the chances awarded shall be conclusive for all purposes and be binding on all participants.
18. The Bank shall not be liable for any failure on its part to perform its obligations in connection with this Promotion or for any inconvenience, loss, injury , damages suffered by any of the participants, any third party or to any person in connection with the Promotion whether due to any reason within or beyond the control of the Bank, including but not limited to any error in computing chances, any breakdown or malfunction in any computer system or equipment, fire, earthquake, flood, epidemic, natural catastrophe, accident, riot, civil disturbance, industrial dispute, act of public enemy, embargo, war, act of God, any failure or disruption to postal, telecommunication, electricity or network services.
19. If any of the Winners in the Ballot is subsequently found to be ineligible to participate in the Promotion or ineligible to claim the Prize awarded to such Winner, the Bank reserves the right to forfeit/reclaim such Prize and confer the same on such other person as may be selected in such manner as the Bank deems fit.
20. The Bank reserves the right at its absolute discretion to terminate the Promotion or vary, delete or add to any of these terms and conditions from time to time without notice including without limitation, the basis of awarding the chances in the Promotion, the number of chances awarded and the date of the Ballot.
21. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the Promotion, these terms and conditions will prevail. In the event of any inconsistency or discrepancy between the English version of these Terms and Conditions and the translation of these Terms and Conditions in any language, the English version shall prevail. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the promotion, these terms and conditions will prevail.
22. These terms and conditions shall be governed by the laws of Malaysia.