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					                                                                         A. General Offer Terms and Conditions Relating to My Dream                        an additional interest rate at 0.05% p.a. will be offered to                   (a) As of 30 September 2011, such amount of New                25. If the relevant customer has redeemed the Disney Gift but
                                                                             Account Promotion                                                             his/her RMB My Dream Account from the commencement                                 Funds is not less than HK$50,000 equivalent when               thereafter cancelled the relevant My Dream Account or failed
                                                                         1. My Dream Account Promotion commences on 30 June 2011                           of the Promotional Period until further notice.                                    compared to such customer’s total balance in                   to fulfill the deposit balance requirement as stipulated in
                                                                             and ends on 30 September 2011 (the “Promotional Period”).               D.    Hong Kong Disneyland One-Day Tickets Lucky Draw                                    designated deposit accounts at the Bank as of                  Clause 21.2, an administration fee of HK$500 equivalent
                                                                         2. My Dream Account Promotion includes the offers set out in                                                                                                         17 June 2011 (“Growth”); and                                   (applicable to the redemption of Tier 1 Gift), HK$1,000
                                                                                                                                                     13.   During the period from 30 June 2011 to 31 July 2011,                                                                                              equivalent (applicable to the redemption of Tier 2 Gift) or
                                                                             Sections B, C, D, E, F and G and is only offered to holders of                customer who successfully opens a RMB My Dream Account                         (b) Between 1 October 2011 until 31 December 2011,
                                                                             My Dream Account subject to the terms and conditions below.                                                                                                      the daily total balance in designated deposit                  HK$2,800 equivalent (applicable to the redemption of Tier
                                                                                                                                                           in his/her sole name or in the capacity of primary account                                                                                        3 Gift) will be debited from any of his/her deposit account(s)
                                                                         3. Each customer is only entitled once to each of the offers under                holder in case of joint-name account or in relation to his/her                     accounts of such customer at the Bank is
                                                                             Sections D, E, F and G below regardless of the number of My                                                                                                      maintained at a level of not less than HK$50,000               with the Bank without prior notice.
My Dream Account Promotion Important Notes and Terms                                                                                                       Child is entitled to one lucky draw entry for winning 2 adult
and Conditions                                                               Dream Account he/she opens or holds in his/her sole name or                   one-day tickets to Hong Kong Disneyland (“Tickets”).                               equivalent when compared to such customer’s                G. Cash Reward
                                                                             joint name with a third party or in relation to his/her child below                                                                                              total balance in designated deposit accounts at            26. Cash Reward is offered only to Priority Banking customer who
You need to read this document.                                              the age of 18 (“Child”). If the relevant My Dream Account is            14.   The lucky draw will be conducted on 5 September 2011 to
                                                                                                                                                           determine the winners for the Tickets (“Winner”).                                  the Bank as of 17 June 2011; and                               meets the criteria under clause 21. For the avoidance of doubt,
It sets out specific terms and conditions on which we agree to               jointly owned, only the primary account holder is entitled to                                                                                          Depending on the amount of Growth, Limited Edition Flights               customer who has cancelled Priority Banking within the past
provide you with any of the products and services under My Dream             these promotional offers. To be eligible for the offers, the relevant   15.   The Winner will receive a redemption letter for Tickets by post                                                                                   12 months from the date of Priority Banking sign-up during the
Account Promotion. You must read it in conjunction with our                                                                                                on or before 30 September 2011. Redemption procedures                    of Fantasy Parade Premium Set will be offered to the Eligible
                                                                             customer must continue to be a Priority Banking, Preferred                                                                                             Customer as follows (“Disney Gift”):                                     Promotion Period is not eligible for the Cash Reward.
Customer Terms, and the applicable documents referred to in                  Banking or Easy Banking customer and the relevant My Dream                    will be detailed in the redemption letter.                                                                                                    27. For Priority Banking customer, if the amount of Growth in all
Part A of Customer Terms (including the Current/Cheque/                      Account must remain valid at least until 29 February 2012.              16.   Redemption letter for Tickets only be issued once and in no                                                                                       of his/her designated deposit account(s) is HK$1,500,000
Savings Account and Time Deposit Account Terms, product                                                                                                                                                                            Amount of Growth                       Disney Gift
                                                                         4. The preferential interest rates and additional interest rates                  event (e.g. lost) will it be reissued.                                   (HK$ equivalent)                                                         equivalent or above, a Cash Reward in the following amount
brochure, Important Notes and promotional terms (if                          offers under Sections B and C below are not guaranteed. We              17.   Employees of the Bank are not entitled to the lucky draw entry.                                                                                   will be offered to the relevant customer:
applicable)) and any other documents forming our banking                     reserve the right to make any adjustment to such preferential                                                                                        Tier 1: $50,000 to                    1 premium set of
agreement. The banking agreement is available to you at any of               or additional interest rate from time to time at our sole and           E.    Hong Kong Disneyland 5th Anniversary Limited Edition                           $499,999             “Dreams Take Flight with Dumbo”                    Amount of Growth                        Cash Reward
our branches or our website at www.standardchartered.com.hk.                 absolute discretion.                                                          Velvet Bookend                                                                                                                                          (HK$ equivalent)                          (HK$)
If there is any inconsistency between the approval (if any) and                                                                                                                                                                   Tier 2: $500,000 to                   1 premium set of
                                                                         5. Our calculation and record shall be conclusive for the total             18.   Hong Kong Disneyland 5th Anniversary Limited Edition                           $999,999               “Mickey’s Magical Airship” or
any other part of our banking agreement, then the terms in the                                                                                             Velvet Bookend (“Welcome Gift”) is offered only to customer                                                                                         $1,500,000 to $4,999,999                       $500
approval prevails. These terms do not apply to any existing                  balance of designated deposit accounts and relevant                                                                                                                             “Toy Story - To Infinity and Beyond”
                                                                             transactions entered into by the customers with us. In case of                who fulfills any of the following requirements:                                                                                                       $5,000,000 or above                         $5,000
product(s) or service(s) you have with us to the extent that they            disputes, our decision shall be final and binding.                            18.1. during the Promotional Period, successfully opened a             Tier 3: $1,000,000 or                Full premium set of
are subject to separate terms and conditions.                                                                                                                       RMB My Dream Account in his/her sole name or in the                   above                    Flights of Fantasy Parade                 However no Cash Reward will be offered if the amount
                                                                         6. The tickets/gifts offered under Sections D, E and F are available                                                                                                                                                                of Growth drops below HK$1,500,000 on or before
Meaning of Words                                                             on a first-come-first-serve basis, while stock lasts. Photos on                        capacity of primary account holder in case of joint-                                     (including 1“Dreams Take Flight with
Other than the defined terms here or under the product brochure              the relevant promotional leaflet are for reference only.                               name account or in relation to his/her Child by                                                  Dumbo” premium set,                     31 December 2011.
or promotional terms (if applicable), you also need to refer to the      7. We reserve the right to offer any alternatives if the specified                         converting Hong Kong Dollar (“HKD”) into Renminbi                                             1 “Mickey’s Magical Airship”           28. If the customer cancels the relevant My Dream Account(s) and/
other documents that form our banking agreement which define                 tickets/gifts/coupons offered under Sections D, E, F and G are                         (“RMB”) for an amount of RMB6,000 or above; or                                                        premium set,                       or Priority Banking on or before the date when a Cash Reward
key words used in this document. For instance, please note:                  not available. Such tickets/gifts/coupons awarded are not                                                                                                                      1 “Toy Story - To Infinity and Beyond”           is credited, the relevant customer will no longer be entitled to
                                                                                                                                                           18.2. upon RMB My Dream Account opening during the
you means the person named as the “applicant” in the application.            returnable or redeemable for cash. Usage of such tickets/gifts/                        Promotional Period, successfully set up a Standing                                                     premium set                       the relevant Cash Reward which will be forfeited absolutely
If there is more than one, you means each person separately as               coupons is subject to the terms and conditions stipulated by                           Instruction for converting and transferring deposits                                          and 1 Grand Velvet Display)                and not be paid to the customer through any other means.
well as every 2 or more of them jointly.                                     the manufacturer(s) or issuer(s), as the case may be. We                               from any of his/her HKD savings account(s) to RMB                                                                                    29. On or before 29 February 2012, the Cash Reward will be
we (without limiting the meaning defined in Customer Terms) or               assume no responsibility for any liability arising in or in                            My Dream Account for a total amount of RMB6,000             22. For the purpose of calculating the total balance of all designated       awarded to the eligible Priority Banking customer in either
Bank means Standard Chartered Bank (Hong Kong) Limited for                   conjunction with the use of such tickets/gifts/coupon provided                         or above on or before 31 December 2011 (“Eligible               deposit accounts maintained by an Eligible Customer:                     one of the following ways:
this application.                                                            by such manufacturer(s) or issuer(s).                                                  Standing Instruction”).                                         22.1. The following formula will be used: Sum of the total               29.1. Credit to such customer’s relevant valid sole name HKD
Important Notes                                                          8. In the event that the customer is entitled to the offer(s) under                                                                                                deposit balance in HKD savings account(s) and the                        deposit account (or if none, USD deposit account) of the
                                                                                                                                                     19.   The Welcome Gift will be awarded at our branches upon
1. We reserve the right to determine the criteria and requirements           Sections B, C, D, E, F and/or G and other prevailing promotional              fulfilling the above requirement.                                                HKD equivalent of the total deposit balance in RMB                       eligible Priority Banking Customer in the following priority:
     applicable to each of the respective products and services              offer(s) (including but not limited to Priority Banking and Preferred                                                                                          savings account(s) and other Foreign Currency savings                    current account; or if none, statement savings account; or
     that you apply with us (including but not limited to the                Banking New Funds Growth Offer) or deposit privilege(s), we             20.   If the customer has received the Welcome Gift but
                                                                                                                                                           thereafter cancelled the relevant My Dream Account or                            account(s), if any;                                                      if none, passbook savings account. If the customer has
     Standard Chartered My Dream Account (“My Dream                          reserve the right to provide only one or some of the offer(s)                                                                                          22.2. Deposit balance in RMB savings account(s) and other                        more than one account under same account type, we
     Account”) and our Banking Plans (i.e. Priority Banking,                 and/or privilege(s) at our sole and absolute discretion.                      the Eligible Standing Instruction or any transaction of
                                                                                                                                                           the Eligible Standing Instruction is rejected for whatever                       Foreign Currency savings account(s) will be counted in                   will select the account with the latest account opening
     Preferred Banking or Easy Banking), or to decline your              B. Interest Rate Offers for HKD My Dream Account                                                                                                                   HKD based on an exchange rate determined at the                          date. Notification will be sent to the relevant customer in
     application in its entirety or of each such products and                                                                                              reason on or before 31 December 2011, an administration
                                                                         9. Interest for HKD My Dream Account will be calculated at a                      fee of HK$100 equivalent will be debited from any of his/                        sole discretion of the Bank; and                                         respect of the crediting of the Cash Reward; or
     services or in its without given you any reason for doing so.
                                                                             preferential rate of 0.03% p.a. from the commencement of                      her deposit account(s) with the Bank without prior notice.               22.3. In the event that the deposit account is in negative               29.2. If the relevant customer does not have any such
2. Only new or existing customers of our Banking Plans are                   the Promotional Period until further notice.                                                                                                                                                                                            account mentioned in clause 29.1, a supermarket
     eligible to open My Dream Account.                                                                                                              F.    Limited Edition Flights of Fantasy Parade Premium Set                            balance or the customer has not maintained any
                                                                         10. In the event that the relevant customer:                                                                                                                       deposit account in his/her sole name or in the capacity                  coupon (“Coupon”) of equivalent value will be sent to
3. The minimum opening balance of My Dream Account - Hong                                                                                            21.   Limited Edition Flights of Fantasy Parade Premium Set is                                                                                                  the customer as replacement.
     Kong Dollar Passbook Savings Account (“HKD My Dream                     10.1. is a Priority Banking customer, an additional interest                                                                                                   of primary account holder in case of joint-name
                                                                                     rate at 0.02% p.a. will be offered to his/her HKD My                  available only to customer who has fulfilled the following                       account with the Bank on 17 June 2011, zero amount
     Account”) and My Dream Account - Renminbi Passbook                                                                                                    criteria (“Eligible Customer”):                                                                                                                Risk Disclosure Statement in relation to Renminbi:
     Savings Account (“RMB My Dream Account”) is HK$1,000                            Dream Account from the commencement of the                                                                                                             will be counted for the calculation.
                                                                                     Promotional Period until further notice;                              21.1. Successfully opened a HKD My Dream Account and/                23. For the purpose of clauses 21, 22 and 27, designated deposit          •	 Renminbi	(“RMB”)	exchange	rate,	like	any	other	currency,	
     and RMB1,000 respectively.                                                                                                                                     or a RMB My Dream Account in his/her sole name or                                                                                        is affected by a wide range of factors and is subject to
4. Without limiting the above, our “Notice to Customers and                  10.2. has not maintained any deposit account with the                                                                                                  account(s) mean any of the following account the customer
                                                                                     Bank (whether in his/her sole name or jointly with                             in the capacity of primary account holder in case of            has with the Bank which is valid and existing: HKD savings               fluctuations. Such fluctuations may result in gains and losses
     Other Individuals relating to the Personal Data (Privacy)                                                                                                      joint-name account or in relation to his/her Child                                                                                       in the event that the customer subsequently converts RMB
     Ordinance and the Code of Practice on Consumer Credit Data”                     others) on 29 June 2011 (“New Customer”) and opens                                                                                             account, RMB savings account and Foreign Currency savings
                                                                                     a HKD My Dream Account during the Promotional                                  during the Promotional Period; or                               account (including savings account in US Dollar, Pound Sterling,         to another currency (including Hong Kong dollars); and
     (Notice, which is available to you at any of our branches and/                                                                                                                                                                                                                                       •	 RMB	 is	 currently	 not	 freely	 convertible	 and	 conversion	 of	
     or on our website at www.standardchartered.com.hk) also forms                   Period, an additional interest rate at 0.05% p.a. will                         Hold a HKD My Dream Account that opened before                  Euro, Australian Dollar, New Zealand Dollar, Canadian Dollar,
     part of the banking agreement. We will be using the information                 be offered to his/her HKD My Dream Account from                                30 June 2011 in his/her sole name or in the capacity            Swiss Franc and Japanese Yen, HKD My Dream Account,                      RMB through banks in Hong Kong is subject to restrictions.
     you provide to us and for such purposes as set out in the Notice.               the commencement of the Promotional Period until                               of primary account holder in case of joint-name                 RMB My Dream Account and current account). However,                      For instance, for a personal customer, conversion of RMB
                                                                                     31 December 2011.                                                              account or in relation to his/her Child, and successfully       Certificate of Deposit, MortgageOne® Account, FamilyLink,                from/to another currency is currently subject to a respective
5. We reserve the right to amend the important notes, terms and                                                                                                                                                                                                                                              daily limit of RMB20,000 per person per day. Customers
                                                                         C. Interest Rate Offers for RMB My Dream Account                                           registered for the promotion by calling the designated          time deposit, Premium Deposit and Foreign Exchange Margin




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     conditions or any other contents here at any time. Any benefit,                                                                                                                                                                                                                                         may have to allow time for conversion of RMB from/to
     promotional offer or welcome gift for successful application is     11. Interest for RMB My Dream Accounts will be calculated at a                             hotline 2681 7000 during the Promotional Period; and            Trading Account, and joint name account of which the Eligible
     subject to availability and we may change such offer at our             preferential rate of 0.45% p.a. from the commencement of                      21.2. Deposited new funds (cash or cheque/cashier’s order                Customer is not the primary account holder are excluded.                 another currency of an amount exceeding the daily limit.
     discretion from time to time without notice to you. In case of          the Promotional Period until 31 December 2011. Afterwards,                             from other banks excluding transfer of funds from any       24. Eligible Customers who are entitled to the Disney Gift will              The actual conversion arrangement will depend on the
     any dispute, our decision shall be final and conclusive.                interest will be calculated at a basic rate as we determine                            account within the Bank or cheque from the Bank) into           receive a redemption letter by post on or before 30 November             restrictions prevailing at the relevant time.
6. If there is any inconsistency or conflict between the English             from time to time.                                                                     any of his/her designated deposit accounts before the           2011. Redemption procedures will be detailed in the
     and the Chinese versions, the English version shall prevail.        12. In the event that the customer is a Priority Banking customer,                         end of the Promotional Period (“New Funds”) and:                redemption letter.                                                   Issued by Standard Chartered Bank (Hong Kong) Limited

				
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