Dear Customer,

We are pleased to inform you that upon receiving your valuable feedback, we committed ourselves to embark on refreshing our current customer rewards offering; hence we will be introducing a new and exciting reward points programme by the second quarter of 2013.

However, you can continue to enjoy attractive dining deals at over 1,000 outlets with discounts up to 50% nationwide. For details on our dining deals, please visit standardchartered.com.my/thegoodlife

In the meantime, we have great pleasure to inform you that we have specially developed two attractive promotions with you in mind so that you may continue enjoying fantastic rewards:

1. Member-Get-Member Campaign
Receive pre-loaded Touch 'n Go card worth up to RM100 (per successful referral) for every friend or family member whom you refer, who successfully signs up for a Standard Chartered credit card. The more successful referrals you have, the more rewards you will receive. Your friends and family too will be rewarded with up to RM300 CashBack when they successfully apply for a new credit card online until 31st December 2012.

2. Year-End Spend Campaign
The more you spend, the more you are rewarded. Look out for further details on this promotion starting from 1 December 2012.

While we are in the midst of planning to further reward you with even greater benefits in the second quarter of 2013, there is a need to alter our current 360° Rewards programme. We would like to inform you that the following features will be unavailable as of 2 January 2013.

We will be discontinuing the following:
•0.5% CashBack on all retail transactions (Business Platinum & Business Gold)
•Free access to KLIA Plaza Premium Lounge (Business Platinum & Platinum)
•Complimentary Travel Accident Insurance (Business Platinum, Platinum, Titanium, Business Gold, Gold and Classic)
•Complimentary Home/Motoring Assistance (Gold & Classic)
•Complimentary Purchase Protection Plan (Business Platinum, Platinum, Titanium, Business Gold, Gold, Priority Banking Visa Infinite and Visa Infinite)

We will also be temporarily making unavailable 360° Reward Points on local and foreign currency spend for all Standard Chartered credit cards, meaning no points will be awarded for credit card spends until further notice.

Please note that your existing 360° Rewards Points that you have accumulated are still valid and redeemable as per their existing validity period. The Rewards catalogue is also being refreshed, with changes to the points required for redemption, and to the list of items, effective 8 December 2012. Visit standardchartered.com.my for the revised catalogue.

We would also like to remind you that your 360° Rewards Points on your total banking relationship still applies (applicable to Priority Banking Visa Infinite Cardholders, Preferred World MasterCardholders, Personal Banking Suite and Employee Banking Suite only).

Should you have any enquiries, kindly call us at 1300 888 888.

Once again, thank you for banking with Standard Chartered, and we hope that you will continue to enjoy our current and upcoming benefits with us.

Yours sincerely,
Anupam Shrivastava
General Manager,
Retail Banking Segments and Products
Consumer Banking Malaysia