TERMS AND CONDITIONS FOR “OWN YOUR ADDRESS IN THE CITY” CAMPAIGN

1. The Bank Islam MasterCard Card “Own Your Address in the City” campaign runs from 01 July 2008 to 30 November 2008.
   
   
2. This campaign is open to new and existing Bank Islam MasterCard Cardmembers (principal and supplementary) residing in Malaysia, excluding employees of Bank Islam, its advertising agencies, their immediate families or any other person(s) connected with the administration of the campaign.
   
   
3. Card Accounts must be in current status to be eligible for participation in the campaign.
   
   
4. The 5-month campaign offers the following prizes:
   
• 1 x Grand Prize of a Metropolitan Square Serviced Apartment (725 square feet, 99-year leasehold, 1 bedroom + 2 utility rooms + 2 bathrooms, 1 parking bay and full condominium facilities) located at Damansara Perdana, Petaling Jaya. The completion date is scheduled for October 2010.
• 10 x First Prize of a Samsung 40” Series 6 LCD TV each.
• 600 x Consolation Prize of a Tonino Lamborghini Timepiece each.
  
  
5. One (1) entry to the campaign shall be accorded based on the following:
• Every RM50.00 (non-cumulative) successfully charged to the Card on retail purchase or cash withdrawal
• Every RM50.00 of balance transfer successfully debited to the Card;
  (example: every successful retail purchase, cash withdrawal or balance transfer of RM1,000.00 entitles the Cardmember to 20 entries)
• Every principal membership of Bank Islam Card introduced and approved.
  
  
6. All entries will be automatically tracked by the system. Submission of forms, SMSes, creative signatures/slogans, etc. is not required.
   
   
7. The total number of eligible entries accumulated at the end of the campaign shall be divided by 11 for Main Prizes shortlisting (overdue Card Accounts generate less entries).
• Example: 1,100,000 entries divided by 11 main prizes = 100,000.
• The 100,000th, 200,000th, 300,000th, 400,000th, 500,000th, 600,000th, 700,000th, 800,000th, 900,000th and 1,000,000th entry shall be shortlisted for the First Prize.
• The 1,100,000th entry shall be shortlisted for the Grand Prize.
• If a Cardmember is selected several times in the process, only the first entry will be accounted for while the others will be invalidated.
• All selected Cardmembers will be contacted by Bank Islam via telephone to correctly answer one (1) knowledge-based question to be awarded the prize.
• Bank Islam shall make a minimum of three (3) attempts to contact the shortlisted Cardmember i.e. via the cell phone number, office number and residential number stated in Bank Islam Card Centre’s records, after which, Bank Islam reserves the right to select the next eligible Cardmember.


8. Consolation Prize winners are divided into two (2) categories i.e. 300 x Highest Transactor (Ringgit Value) and 300 x Highest Transactor (Frequency of Use). In the event of a tie, the Cardmember whose most recent transaction is higher shall be adjudged the winner. The second tiebreaker shall be based on the Cardmember with the higher outstanding balance.
   
   
9. Each Cardmember is entitled to win only one (1) Main Prize and one (1) Consolation Prize.
   
   
10. All winners will be notified via telephone and mail.
    
    
11. Bank Islam reserves the right to substitute any of the prizes with that of a similar value at any time without prior notice.
    
    
12. Winners are not allowed to exchange their prize(s) for any other prize(s) offered in this campaign or request for cash alternative.
    
    
13. The Main Prize winners may be invited to attend a Prize Presentation Ceremony or other publicity events at a location to be later confirmed. Bank Islam reserves the exclusive right to publish or display the names and photographs of the winners for publicity purposes. Winners are responsible for expenses in attending the ceremony.
    
    
14. Ownership of the Metropolitan Square Serviced Apartment shall be transferred to the Grand Prize winner upon completion of the legal documentation after the campaign. All progressive payments will be paid by Bank Islam until full payment of the purchase price. The service apartment is not transferable to any third party.
    
    
15. The First Prize Samsung LCD TV shall be delivered to the winners at the residential address (within Malaysia only) stated in Bank Islam Card Centre’s records.
    
    
16. All consolation prize winners will receive their prize via courier service.  
    
    
17. The selection of winners will be at the absolute discretion of Bank Islam and shall be considered final.
    
    
18. Bank Islam is not liable for any misinterpretation of facts, and/ or inflicted injuries and/ or loss of lives and/ or valuables resulting from the prize(s) won through the campaign. Bank Islam shall not be further liable, whether direct or consequential, for any loss and damage and/ or whatsoever suffered by the Cardmembers caused directly or indirectly, in whole or in part, from their participation in the campaign and/ or as a result of any act or omission on the part of Bank Islam.
    
    
19. Bank Islam shall not be responsible in any way whatsoever, in respect of technical failures of any kind, for unauthorised human intervention and electronic or human error in the administration and processing of the campaign.
    
    
20. To the fullest extent permitted by the law, in no event will Bank Islam or any of its officers, servants, employees, representatives and/or agents (including without limitation, any third party service providers that Bank Islam may engage for purposes of the campaign) be liable for any loss or damages (including without limitation loss of income, profits or goodwill or indirect, incidental, consequential, exemplary, punitive or special damages of any party including third parties) howsoever arising whether in contract, tort, negligence or otherwise, in connection with the campaign and/or the prizes, even if Bank Islam has been advised on the possibility of such damages in advance, and all such damages are expressly excluded. By participating in the campaign, the Cardmember will be deemed to have read, understood and agreed to be bound by the Official Terms and Conditions stated herein, including decisions of Bank Islam which are final, binding and conclusive. No correspondence, disputes and appeals will be entertained. Bank Islam further reserves the exclusive rights to change, amend, delete or add on to these terms and conditions without prior notice to the Cardmember and shall become effective on such date as Bank Islam may notify. The Cardmember agrees to be bound by such amendments.
    
    
21. Bank Islam reserves the right to cancel, terminate or suspend the campaign with or without any prior notice. For the avoidance of doubt, cancellation, termination or suspension by Bank Islam of the campaign shall not entitle the Cardmember to any claim or compensation against Bank Islam for any and/ or all loss or damage suffered or incurred as a direct and indirect result of the act of cancellation, termination or suspension.
    
    
22. The terms and conditions herein are in addition to and without prejudice to the Terms and Conditions stated in the Cardmember Agreement applicable to the Card Account. In the event of inconsistency between these terms and conditions and the said Agreement, these terms and conditions shall prevail in so far as they apply to “Own Your Address in the City” campaign.

FREQUENTLY ASKED QUESTIONS

Question

Is the ‘Own Your Address In The City’ campaign, which offers an apartment as the grand prize and other prizes Shariah-compliant?

Answer
The ‘Own Your Address In The City’ campaign is Shariah-compliant as detailed below.
 

1. The campaign has been approved by the Bank Islam’s Shariah Supervisory Council.
   
    
2. There are no elements of gambling as Cardmembers are not required to contribute any additional capital/ deposit to participate in the campaign except a normal card usage, whereby every usage of RM50 will render a customer eligible for 1 point to participate in the contest. In addition the prizes from the campaign is funded entirely by the Bank Islam and not derived from any contribution whatsoever from the Cardmembers.
   
    
3. ‘Own Your Address In The City’ primarily aims to reward loyal Cardmembers for their continuous support and patronage.