Successfully apply for the exclusive Standard Chartered executive Credit Card / executive platinum Credit Card to enjoy up to 1% Cash Back with no limit on the rebate amount plus perpetual annual fee waiver

Successfully apply for the Standard Chartered American Express® Card, you can choose either Cash Rewards Scheme or Bonus Points Scheme to earn up to 4X Cash Back OR Bonus Points, with no cap on the Cash Back and Bonus Points earned

Flat 1% subscription fee for the first subscription (applicable to new Investment Fund Services customers)

Successfully apply for the selected life assurance plan(s) underwritten by the Prudential Assurance Company Limited and receive a Coronary Risk Profile worth HK$330, regardless of the premium amount

Enjoy 40% premium discount upon successful application of Home Protection Plan, Excel Hospital Income Plan or Accidental Income Protector underwritten by MSIG Insurance (Hong Kong) Limited

Enjoy up to 50% premium discount and up to HK$500 Shell gasoline coupon upon successful application of Private Motor Car Insurance Plan underwritten by MSIG Insurance (Hong Kong) Limited

To open your Standard Chartered Bonus Payroll Account, please bring along the following documents and visit the nearest Standard Chartered branch:

Proof of address bearing your name issued within the last 3 months (e.g. water, electricity, gas, telephone bill or bank statement)

To enjoy all the above offers, customers also need to use the Standard Chartered Bonus Payroll Account for auto-payroll services with the Bank and fulfil the relevant terms and conditions.

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To set up the auto-payroll services, the Eligible Customer is required to get the authorisation from his employer to credit the Account with his salary through electronic payroll payment as specified by the Bank. Once the auto-payroll services have been successfully set up, the Bank will act in accordance with such authorisation.

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Privileges are not transferable nor can any of them be redeemed for cash.

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In the event that the Eligible Customer is also entitled to other prevailing promotional offers or deposit privileges, the Bank reserves the right to provide only one or some of the offer(s) and/or privilege(s) at its absolute discretion.

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The Bank reserves the right to vary, modify and terminate any privilege and to amend any of the Terms and Conditions at any time without prior notice.

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In case of disputes, the decision of the Bank shall be final and binding.

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If there is any inconsistency or conflict between the English version and its Chinese translation, the English version shall prevail.

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The Promotional Savings Interest Rate and Preferential Savings Interest Rate is not guaranteed. The Bank reserves the right to make any adjustment to the Preferential Savings Interest Rate from time to time at its sole absolute discretion.

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If the Eligible Customer has failed to use the Account for auto-payroll services within the specified period or has ceased to use the Account for auto-payroll services, even if he uses or resumes to use the services, the Promotional Savings Interest Rate and Preferential Savings Interest Rate will not be applicable to the Account again.

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Only Eligible Customers are entitled to the PARKnSHOP Cash Coupon Offer (the “PARKnSHOP Coupon Offer”). Offer valid from 8 September 2008 to 31 December 2008.

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To be eligible to PARKnSHOP Coupon Offer, Eligible Customers must use the Account for auto-payroll services for at least two consecutive months on or before 31 March 2009. Eligible Customers will be rewarded with PARKnSHOP Cash Coupon based on the auto-payroll amount (in Hong Kong Dollar) according to the Bank’s record.

Monthly Payroll Amount	PARKnSHOP Cash Coupon Entitlement
HK$30,000 or above	HK$800
HK$10,000 - HK$29,999	HK$300
Below HK$10,000	HK$100

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Usage of the PARKnSHOP Cash Coupon is subject to the terms and conditions stipulated by the supplier. The Bank gives no guarantee to the quality of goods and services and does not accept any responsibility for any liability arising in conjunction with the use of any goods or services provided by the suppliers.

If the PARKnSHOP Cash Coupon becomes out of stock, the Bank reserves the right to offer any alternative. In any circumstances, each Eligible Customer will only be entitled to the PARKnSHOP Coupon Offer once during the Promotional Period. Eligible Customers who are eligible for the PARKnSHOP Coupon Offer will receive the redemption letter within 8 weeks upon successfully using their Account for auto-payroll services with the Bank. All gifts cannot be redeemed for cash and must be redeemed in Hong Kong during the valid redemption period.

If the Eligible Customer applied for Standard Chartered executive Credit Card / executive platinum Credit Card and Standard Chartered American Express^® Card at the time of the Account opening, such credit card application processing will be continued once the auto-payroll services have been successfully set up.

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Privileges applicable to Credit Cards are subject to Terms and Conditions. For details, please refer to the "Standard Chartered executive Credit Card / executive platinum Credit Card and Standard Chartered American Express^®Card Application Terms and Conditions".

Eligible Customer can sign up for Easy Banking with no entry balance requirement to enjoy Easy Banking service with perpetual below-balance maintenance fee waiver as long as he maintains a valid Account.

Eligible Customer can sign up for excelbanking or Priority Banking by meeting the minimum Relationship Balance of HK$50,000 (originally HK$150,000) for excelbanking or HK$500,000 (originally HK$1,000,000) for Priority Banking. Otherwise, the Bank reserves the rights to convert the Eligible Customer's relationship package to Easy Banking without prior notice.

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Upon the relationship package sign-up, if the eligible customer's average daily Relationship Balance of the past 3 months falls below the minimum requirement of the relevant relationship package (HK$50,000 for excelbanking or HK$500,000 for Priority Banking), a quarterly below-balance maintenance fee of HK$180 (applicable to excelbanking) or HK$600 (applicable to Priority Banking) will be charged.

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If Eligible Customer terminates or ceases to use the Account for auto-payroll services with the Bank, the average daily Relationship Balance of the customer has to meet HK$150,000 for excelbanking or HK$1,000,000 for Priority Banking, in order to enjoy the relevant relationship package services for free, otherwise, a quarterly below-balance maintenance fee of the relevant relationship package will be charged.

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For details on the fees of relevant relationship package, please refer to "Service Charges - An easy guide to banking fees", Customer Guide of "Priority Banking"/"excelbanking"/"Easy Banking" and "Priority Banking/excelbanking/Easy Banking Terms and Conditions".

This offer is only applicable to Eligible Customers who open a new Investment Fund Account with the Bank within the Promotional Period. Existing Investment Fund Services customers or customers who have held any Investment Fund Account with the Bank within 12 months prior to the opening of the Account are not entitled to this offer.

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This offer is only applicable to the first investment fund subscription (excluding Fund Accumulator) with the Bank completed within the period from the Account opening date to 31 December 2008.

The approval time can be as short as 1 hour after the submission of all relevant documents before 3:00pm, Monday - Friday (not include public holidays). If the Formal or Preliminary Agreement of Sales & Purchase is not provided, only an approval-in-principle will be given. 1 Hour Approval is subject to terms and conditions. For application details, please contact our branch staff.

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If a policyowner cancels the policy(ies) within the cooling-off period, he/she will not be entitled to the Offer.

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Redemption letter will be mailed to the policy registered mailing address of the eligible policyowners within 8 weeks after policy issued. All eligible policies must remain in force (as determined by Prudential at its sole discretion) on the date of the Offer redemption, otherwise, the Offer offered in respect of such policy(ies) shall be cancelled. No replacement of redemption letter will be issued under normal circumstances.

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Neither Prudential nor Standard Chartered is the supplier of the Coronary Risk Profile. The usage of the Coronary Risk Profile shall be subject to all the terms and conditions imposed by the service provider. Neither Prudential nor Standard Chartered shall be liable in any way whatsoever in relation to the validity of the Coronary Risk Profile or any matters arising from the use of the Coronary Risk Profile (including but not limited to the quality of the Coronary Risk Profile and any liability arising in or in conjunction with the Coronary Risk Profile). The Offer cannot be exchanged for cash and must be redeemed in Hong Kong within the valid redemption period.

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The Offer has to be redeemed before the expiry date printed on the redemption letter; otherwise the Offer will be forfeited.

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Prudential and Standard Chartered shall have the right to terminate the offer or amend any of the above terms and conditions without prior notice. In the event of any disputes, Prudential and Standard Chartered shall have the absolute discretion to make the final decision.

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If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

Note: The Life Assurance Plans are underwritten by The Prudential Assurance Company Limited. The Prudential Assurance Company Limited will be responsible for all protection and claims issues. The Prudential Assurance Company Limited is not an associate or subsidiary of Standard Chartered Bank (Hong Kong) Limited. This promotional leaflet is for reference only. Please refer to the policy for exclusion, terms and conditions and details of the plan. Standard Chartered Bank (Hong Kong) Limited does not accept any responsibility regarding any statement made in or any discrepancy or omission between the contract of insurance and this promotional leaflet nor shall Standard Chartered Bank (Hong Kong) Limited be held liable in any manner whatsoever in relation to your application or the contract of insurance.

This promotional leaflet is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. The Prudential Assurance Company Limited, Hong Kong Branch and Standard Chartered Bank (Hong Kong) Limited do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

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Eligible Customers who successfully enrol to the Home Protection Plan before 31 December 2008 are eligible for 40% premium discount.

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This offer does not apply together with other discounts/offers.

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Eligible Customers who successfully enrol to the Excel Hospital Income Plan before 31 December 2008 are eligible for 40% premium discount.

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This Plan is applicable to Hong Kong residents aged between 18 and 59 only. For child(ren) aged between 6 months and 17, they must enrol with their parents and are subject to half reduction of all payable limits in order to be covered.

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This plan is not applicable for customers of the following profession: actors/entertainers/stunt persons, aircrew members, casinos'/other gambling establishments' staff, police/armed forces personnel, nightclubs'/saunas'/massage parlours' staff or construction workers/interior decoration workers.

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The benefits will not apply to treatment or expenses arising from medical conditions which is originated or known to exist or for which treatment, medication, advice or diagnosis was sought or received prior to the application to the Policy.

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This offer does not apply together with other discounts/offers.

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Eligible Customers who successfully enrol to the Accidental Income Protector before 31 December 2008 are eligible for 40% premium discount.

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This Plan is only applicable to Hong Kong residents aged between 18 and 59 years old (and their child(ren) aged between 6 and 17 years old). This plan is not applicable for customers of the following profession: actors/entertainers/stunt persons, aircrew members, casinos'/ other gambling establishments' staff, police/armed forces personnel, and nightclubs'/saunas'/massage parlours' staff.

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This offer does not apply together with other discounts/offers.

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Applicants who have successfully enrol in "Comprehensive Insurance Plan" before 31 December 2008 with premium not less than HK$3,000 will receive HK$300 (or up to HK$500, subject to the decision of MSIG Insurance based on the information of the applicant and the motor) Shell Gasoline coupon. Applicants who have successfully enrol in "Third Party Insurance Plan" or "Comprehensive Insurance Plan" with premium less than HK$3,000 will receive HK$100 Shell Gasoline coupon.

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Premium discount is subject to the information of the applicant and the motor and the discount is up to 50% of premium.

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If your existing motor insurance has not expired yet, simply register at any of our branches before 31 December 2008 and enrol within the specified period to enjoy the above privileges.

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This offer does not apply together with other discounts/offers.

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Redemption letter of Shell Gasoline coupon will be sent to policyholders one month after the policy being effective.

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Usage of the Coupon is subject to the terms and conditions stipulated by the supplier. The Bank gives no guarantee to the quality of goods and services and does not accept any responsibility for any liability arising in conjunction with the use of any goods or services provided by the suppliers.

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MSIG Insurance reserves the right on the final approval of the insurance plan.

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The Bank reserves the rights to offer any alternative if the specified offers are not available. The offers are not redeemable for cash. The offers can only be redeemed in Hong Kong.

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The annualized percentage rates ("APR") indicated in Personal Instalment Loan and Revolving Cash Card are calculated according to the Net Present Value Method as specified in the Code of Banking Practice, handling fee is included.

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Refer to the following table for the monthly flat rate and APR (based on loan tenor of 12 months) of the Personal Instalment Loan :

Loan Amount	Monthly Flat Rate	APR (p.a.)
HK$5,000 -HK$99,999	0.38%	11.33%
HK$100,000 -HK$299,999	0.28%	8.95%
HK$300,000 or above	0.18%	6.6%

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To be eligible for the preferential interest rate offer, eligible customers must successfully apply for Standard Chartered Personal Loan Service during the Promotional Period with approved loan amount or credit limit of not less than HK$5,000.

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This offer is not applicable to existing Standard Chartered Personal Loan Service customers. For details of the relevant terms and conditions of the Standard Chartered Bank Personal Loan Service, please contact the Bank's branch staff. The Bank reserves the final discretion to approve the application, assign the loan amount or credit limit, alter or cancel this offer.

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For detailed information and terms and conditions, please refer to the relevant promotional leaflet.

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The Bank reserves the right to alter or terminate the offer and amend the terms and conditions of this promotional leaflet at any time. In case of disputes, the decision of the Bank shall be final.