Terms and Conditions   1. The “Progam” is open to all customers of Axcess Plus and SmartPay propositions, including employees of Standard Chartered Bank (SCB) and SCOPE.   2. This is a limited period offer commencing from 1st January 2008. Standard Chartered Bank reserves the right to withdraw this offer at any point.   3. Only valid transactions will be considered. Validity of a transaction shall be at the sole discretion of SCB. If the account holder reverses his / her Transaction for any reason, he /she may be disqualified from The Program and rewards being offered under this Program.   4. SCB shall not be obliged to make any public announcements of the results of the Program and / or to intimate all customers of such results.   5. The cash back enumerated herein shall be non-transferable and / or non-negotiable.   6. The Program is not available wherever prohibited and / or cannot be offered for any reason whatsoever. SCB shall be entitled, at its sole discretion, to cancel the bonus points applicable under the Program where such prohibition is applicable and / or cannot be offered for any reason whatsoever.   7. This Program shall not be available for Non-Resident customers / Non-Resident accounts.   8. These terms and conditions are in addition and not in derogation to terms and conditions of Standard Chartered Bank Debit Cards.   9. Any taxes leviable shall be borne by the account holder.   10. The existence of a dispute, if any, under this Program shall not constitute a claim against Standard Chartered Bank.   11. All disputes under this Program are subject to the exclusive jurisdiction of the competent courts / tribunals of Mumbai.   12. Standard Chartered Bank shall not be liable whatsoever for any loss/damage/claim that may arise out of use or otherwise of any service availed of by the Account cardholder under this promotion.   13. In all matters relating to this Program, the decision of SCB shall be final and binding in all respects.