"Instant Win" Lucky Draw and MANHATTAN Cash Back Program are applicable to MANHATTAN Credit Card, MANHATTAN Gold, MANHATTAN Platinum, MANHATTAN 21, Infinity and Co-branded Credit Card Account, except MANHATTAN id Cards.

Promotion Period for "Instant Win" Lucky Draw is from March 30, 2006 until May 31, 2006.

You could still redeem gifts from the Bonus Point Catalogue even if you've registered under the MANHATTAN Cash Back Program. At the end of each Program Period, your available Bonus Points will be converted into Cash Back and the amount will be credited to the Cardmember's Credit Card Account.

MANHATTAN Cash Back Program is subject to terms and conditions issued by Standard Chartered Bank (Hong Kong) Limited. Please refer to the terms and conditions stated below for details including clause (5) the limit on the total eligible spending and clause (9) the schedule and procedure of crediting the Cash Back amount.

Program Period for MANHATTAN Cash Back Program ("Program Period") firstly starts from November 1 to December 31, 2005. Each subsequent Program Period will last for 3 months, e.g. January 1 to March 31, 2006, and so forth.

To be eligible for MANHATTAN Cash Back Program ("Cash Back Program"), Cardmembers are required to register their respective Credit Card Account(s) through the MANHATTAN Cash Back 24-hour Registration Hotline 1836 800, from 9:00am of the first day to 5:00pm of the last day of each Program Period. Cardmembers only need to register once for their respective Credit Card Account(s) to participate in the Cash Back Program for this Program Period and forthcoming Program Periods (if any) under the Cash Back Program.

Cash Back Program is applicable to individual Credit Card Accounts. If a Cardmember has more than one Credit Card Account, the Cardmember is required to register each respective participating Credit Card Account separately.

Cardmember cannot cancel or withdraw from the Cash Back Program once enrolled under the Cash Back Program.

During the Program Period, a Cardmember would receive a Cash Back amount equivalent to 0.5% of the Retail Purchase Amount (based on the posting date shown on the monthly statement) for all retail purchases made with a registered Credit Card. The total Retail Purchase Amount eligible for Cash Back in a calendar year, in any event, is limited to HK$120,000 (i.e. no Cash Back will be rewarded on any further spending in excess of HK$120,000).

Eligible transactions ("Eligible Transactions") include spending from registration month onwards (e.g. register on November 15, 2005, spending includes spending from November 1, 2005 onwards), retail purchase (include both local and overseas transactions), internet order, mail order, phone order, gambling tokens, auto payment, utilities bill payment, insurance payment and monthly instalment amount of "MANHATTAN's Anything Goes Instalment" and monthly instalment amount of "MANHATTAN's Interest-Free Instalment". Spendings of all these transactions are treated as Retail Purchase Amount for the purpose of these terms and conditions (in particular, Clause (5)). Cash advance, annual fee, past due charges, overlimit charges, interest/finance charges, balance transfer amount, "Credit Cash" amount, tax payment, the aggregate of the Instalment Transaction Price and the Handling Fee of "MANHATTAN's Anything Goes Instalment" and whole amount of "MANHATTAN's Interest-Free Instalment" are excluded and not treated as Retail Purchase Amount. Any unposted/cancelled/refunded/falsified/unauthorized transactions are also excluded.

Eligible Transactions will be awarded with Bonus Points according to the current scheme of Standard Chartered Bank (Hong Kong) Limited (the "Company") from time to time. The Company will convert the Bonus Points, accumulated during the Program Period into Cash Back according to Clause (5) above. Cardmembers can still redeem items from the Bonus Point Catalogue. After deducting the redeemed Bonus Points, the remaining Bonus Points will be converted into Cash Back in accordance with Clause (5) above.

Bonus Points accumulated before the registration month, Bonus Points rewarded from cash advance or tax payment, and extra Bonus Points rewarded from overseas spendings or other promotions are not eligible in calculating Cash Back.

Cash Back will be credited to the registered Credit Card Account within 3 months after the end of each Program Period (i.e. on March 31, 2006, June 30, 2006, September 30, 2006 and December 31, 2006 and so forth), and will be shown on the monthly statement.

If Cardmembers cancelled any Eligible Transaction which had been included in the Cash Back conversion after the Cash Back is credited to the Cardmember's Credit Card Account, the Company has the right to debit the equivalent Cash Back amount from Cardmember's Credit Card Account without prior notice.

The Company reserves the right to alter or terminate the Cash Back Program and amend the terms and conditions thereof at any time without prior notice, including but not limited to the Cash Back rebate percentage as specified in Clause (5). In case of disputes, the decision of the Company shall be final.

Promotion Period from March 30, 2006 until May 31, 2006 ("Promotion Period"). Cardmembers who successfully register for the MANHATTAN Cash Back Program, through the MANHATTAN Cash Back 24-hour Registration Hotline, are entitled to one entry to the "Instant Win" Lucky Draw ("Instant Draw") with 100 Bonus Points to win a Cash Reward. The Instant Draw will take place upon registration of MANHATTAN Cash Back Program.

A Cardmember is entitled to ONE Instant Draw entry with each registered account within the Promotion Period. For MasterCard Accounts, only one entry will be granted under each account.

The amount of Cash Reward is determined by computer randomly and will be announced instantly at the completion of the Instant Draw. Cardmembers must have sufficient number of Bonus Points in their Credit Card Account(s) at the time of point deduction, otherwise the Cash Reward will be forfeited.

The Company will deduct 100 Bonus Points from the registered Credit Card Account and credit the Cash Reward amount into the same Credit Card Account on or before June 30, 2006. Such transaction will be shown on the monthly statement.

The Company reserves the right to alter or terminate the Instant Draw and amend the terms and conditions thereof at any time without prior notice. In case of disputes, the decision of the Company shall be final.

Instant Draw and Cash Back Program are applicable to MANHATTAN Credit Card, MANHATTAN Gold, MANHATTAN Platinum, MANHATTAN 21, Infinity and Co-branded Credit Card Account ("Credit Card Account"), except MANHATTAN id Cards. For MANHATTAN VISA Cards, Principal and Supplementary accounts require individual registration and transactions made by Principal and Supplementary Cardmember(s) of MANHATTAN VISA Card Account(s) will be counted separately. For MANHATTAN MasterCards, only one registration is required for each account and transactions made by Principal and Supplementary Cardmember(s) of the same Account will be counted collectively.

Cardmembers will be given a reference code upon successful registration of Instant Draw and Cash Back Program.

To be eligible for Cash Back, the registered Credit Card Account must be valid and in good financial standing at the time of crediting the Cash Back, otherwise the Cash Back will be forfeited. If the Cardmember fails once or more to pay on or before the relevant due date any Minimum Payment specified on any statement issued during 3 months before the Cash Back are credited, the relevant Cardmember will not be eligible for any of the Cash Back earned.

Cash Back will be rounded to the nearest cents. Cash Back are non-transferable and cannot offset credit card payment.

If there is any inconsistency or conflict between the English and Chinese versions of these Terms & Conditions, the English version shall prevail.