MCB: MCB Bank Limited (“MCB”).

Card Member: Holder(s) of VISA Credit Card(s) issued by MCB.

Authorized Signatory: means the Card Member.

Principal Card Member: A Card member to whom MCB has issued Principal VISA Credit   Card; and for whom VISA Account is first opened by MCB.

Principal Credit Card: VISA Credit Card issued by MCB to Principal Card member, excluding any Supplementary Credit Card.

Supplementary Card Member: A Card member to whom MCB has issued Supplementary VISA Credit Card, on behalf of a Principal Card member.

Card: All categories and types of MCB VISA Credit Card.

Card Account: Card members' VISA Account.
.
i-shop: i-shop is a facility offered to MCB VISA Credit Card members whereby they can purchase exciting products from the i-shop catalogue online.

Program: i-shop Program.

Redemption: Exchange of Party Points for products or services and/or exchange of Discount, Gifts and other value addition coupons for benefits.

Catalogue Reward: Redemption from a booklet that gives details of products that the Card member can get by redeeming Party Points or charging on his MCB VISA.

Billing Address: Address on which the Card member receives his/her Card Statement.

Reward: Any benefit, whether monetary or otherwise, that is awarded to the Card member on using his MCB VISA and upon fulfilling the criteria specified by MCB as communicated to the Card member from time to time.

Rs: Rupees.


ELIGIBILITY

1.MCB i-shop Program is a Program for MCB Visa Card members of whose Credit Card accounts are    in good standing, as determined by MCB in its sole discretion.

2.If the Principal Card member's Credit Card account is terminated at any time for any reason,    whether by the Principal Card member or by MCB, the Principal Card member and the   Supplementary Card member will forthwith be disqualified from participating in this Program and all   unused Party Points then accrued shall automatically be cancelled and no longer be available for   use by the Card member

3.If a Supplementary Card is terminated at any time for any reason, the Principal Card member will    not be disqualified from participating in this Program.

4.Party Points, Discount, Gifts and other value addition coupons accumulated under the Card    account are redeemable by the Card member only if his Credit Card account is open and active    (i.e. not cancelled or terminated by the Card member or MCB), and is not fraudulently operated,    and current (i.e. there are no past due balances on the Card member's Credit Card account).

5.Notwithstanding anything contained herein MCB shall have the absolute discretion to determine    which account shall be eligible to participate in the Program and shall be entitled to disqualify any    account and/or account holder from participating in the Program without subscribing any reasons    thereof.


PURCHASE OF PRODUCTS FROM THE i-shop CATALOGUE BY REDEMPTION OF PARTY POINTS OR CHARGING ON MCB VISA

1.Party Points awarded to the Card member will be shown in his monthly Credit Card Statement or    can be obtained through the MCB Call Centre at 111-000-MCB (622) or at an MCB Point of Sale    Terminal.

2.Party Points, Discounts, Gifts and products from the i-shop catalogue are not exchangeable,    refundable or redeemable for cash or credit under any circumstances and are not replaceable in    the event of loss or destruction after being issued and are subject to such Terms and Conditions    as may be prescribed by the issuer of the same.

3.Party Points earned by Supplementary Card member will be credited to the Principal Card account    and may be used for redemption only by the Primary Card member. Similarly, requests for    products from the i-shop catalogue will only be entertained if raised by the Principal Card member.

4.MCB Bank reserves the right to revoke, cancel and/or deduct and/or re-compute any Party Points    earned to the Card account in the event the Card member fails to effect due payment for the    Card transactions.

5.Party Points, Discounts, Gifts and products from the i-shop catalogue which have been    successfully redeemed cannot be refunded or transferred back to any Account of the Card    member.

6.Adjustments will be made to the Party Points if there are any credits posted to an Account    including those arising from returned goods or services, or from billings disputes, or whatsoever    reasons subject to MCB's approval.

7.No offer is valid in conjunction with other promotions, discounts, offers, privilege cards that are    on offer by participating merchant partner outlets. However, during such periods the Card    members will be entitled to earn discount/gift/value addition coupons and Party Points as long as    the Card member meets the stipulated criteria at the selected participating merchant outlet.


PURCHASE OF PRODUCTS FROM THE i-shop CATALOGUE BY USING THE i-plan OPTION

1.i-plan means the purchase of goods and services through the i-shop catalogue by the Card    member for which the Card member utilizes the available credit limit and repays the    transaction amount in six monthly installments.

2.i-plan/Term period refers to six monthly installments for repayment of the transaction amount by     the Card member. MCB, at its own discretion, can change the i-plan Term/Period without     assigning  any reason.

3.i-plan service charges means fee as the Bank may specify from time to time through the Schedule    of Bank Charges or through written notice to the Card member and payable by the Card member     in relation to the Card transaction converted into i-plan.

4.Total i-plan price includes the purchase price and applicable i-plan service charge.

5.Monthly installments means purchase price of a product multiplied by payment factor applicable to    a specific offer for a six month duration of installment plan.

6.Total i-plan price means sum of all monthly installments applicable to a specific offer for a six     month duration of installment plan.

7.i-plan is offered exclusively to the Card member subject to the condition that payment against    his/her Card are in good standing as per the Terms and Conditions, and the Card member has an    available Credit limit on the Card Account. If a Card member fulfills the Terms and Conditions    he/she may be eligible for availing i-plan.

8.In case the Card member is unable to effect payment to the i-plan installment, the Card member     becomes liable to pay the Service fees as per the Terms and Conditions of MCB's Schedule of     Charges.

9.The Card member shall pay the total i-plan price inclusive of applicable i-plan service charges in six      equal monthly installments. This will be the i-plan monthly installment.

10.The Bank shall process and authorize an i-plan transaction provided that the amount of the        i- plan transaction is within the available Card Limit and Card Account is in good standing as per       the rules and regulations adopted by the Bank and the Terms and Conditions. The approved       i-plan transaction will appear on the next Statement of Account.

11.Based on acceptance of i-plan Application/Instruction, the i-plan monthly installment shall be      billed to the Card member starting immediately from the next Statement of Account after the      date of purchase and every month thereafter under the total i-plan price is settled and paid in      full.

12.In case of availing i-plan facility, the minimum payment amount on the Statement of Account       shall include but is not limited to all outstanding Liabilities and other amounts, plus the i-plan       monthly installment(s) and any excess amount over the credit limit and past due amounts if any.

13.If the Card member pays less than the Monthly Minimum Amount on the payment Due Date      specified in the Statement of Account, in that case the Card member becomes liable to pay      service fee/charges according to the Terms and Conditions.

14.The Card member may be allowed to prepay the outstanding i-plan amount in one lump sum       payment subject to the payment of prepayment charges as per MCB's Schedule of Charges to       the bank. The Bank may, from time to time, as it deems fit in its absolute discretion, revise the       payment charges.

15.i-party Points are earned on the Transaction amount converted in i-plan. However, these Points      become redeemable with the payment of each i-plan monthly installment on pro rata basis.

16.In case the Card is cancelled or not renewed by the Bank or Card member terminates the Card,      the i-plan transaction is terminated automatically and the customer is liable to pay the remaining      installments immediately along with the prepayment charges upon receipt of the Statement of      Account.

17.The goods/services and all replacements, accessories and accessories thereto purchased under       i-plan shall be deemed to be hypothecated in favour of the Bank pursuant to the provision of      clause 7 of the Terms and Conditions. The Card member shall not make any statements or      representations, which is in the conflict of the above position. The Card member shall not sell,      rent out, mortgage or assign the good(s) or encumber the same or in any other manner transfer      the good(s) or any interest there into any person or party. The Card member shall exercise      proper diligence in the use and maintenance of good(s).

18.The Bank shall not be liable for any damage or loss incurred by the Card member arising our of      the purchase, installation, use or otherwise of the good(s) and / or service(s) under i-plan for      any negligence, breach of statutory or other duty on the part of the Bank nor shall the Bank be      responsible in any way for the quality of the good(s) and or service(s) purchased under i-plan or      otherwise. Any complaint as to the quality of goods purchased or services rendered through      i- plan shall be referred to the supplier or merchant and shall not affect Card member's obligation      to continue paying the i-plan monthly installment to the Bank.

19.The Bank is entitled at any time and without any prior notice or liability to the Card member in       any manner whatsoever to terminate i-plan or cancel or vary its benefits or features or vary or       add or delete any of the i-plan Terms and Conditions. The Bank is also entitled to determine the       minimum transaction amount allowed under i-plan for each particular offer.

20.The Bank reserves the right to disqualify any Card member from further participation, if in its,       judgment, the Card member has in its way violated the i-plan Terms and Conditions and or the       Terms and Conditions and or any reason that the Banks deems fit without assigning any reason       whatsoever.

21.The Bank shall not be liable if it is unable to perform its obligations under i-plan Terms and       Conditions, due directly or indirectly to the failure of any machinery or communication system,       industrial dispute, war or Act of God or any thing out side the control of the Bank. Nor shall the      Bank be responsible for any delay in the transmission to the Bank of i-plan evidence by the      specified merchants or any other third party.

22.The i-plan Terms and Conditions herein shall be without prejudice to the Terms and Conditions       governing the issue of and use of the Card and shall be applicable to i-plan transaction. If at       any time, dispute arises in connection with the i-plan or i-plan Terms and Conditions, the Bank's       decision in connection with the same shall be final and binding.

TRAVEL

1 Issuance of a travel voucher does not constitute a reservation. The eligible person is responsible     for making all reservations and notifying MCB Travel Planners of the Rewards they are going to     redeem. All flights, ferry, rooms and any land arrangements are subject to availability.

2.Refunds will not be entertained for any cancellations whether in part or in full.

3.MCB shall not be responsible for any amendment charges levied for each change made after    confirmation.

4.Prices featured may change and peak season surcharges and black out dates may also apply     without prior notice. In addition, MCB Travel Planners reserves the right to withdraw and/or vary     the packages being offered or any of the components thereof.

5.All prices quoted, details of hotel packages, air passages and validity periods are subject to    changes. In addition, MCB Travel Planners reserves the right to withdraw and/or to substitute the    packages offered with similar or alternative packages.

GENERAL CONDITIONS

1.MCB Bank will not be responsible for any damage or loss incurred by the Card member arising out    of the purchase, supply, installation, use or otherwise of the products as for any negligence,    breach of statutory or other duty on the part of MCB Bank.

2.MCB Bank gives no warranty (whether express or implied) whatsoever with respect to goods and     services availed through exchange of accumulated Party Points or purchased by charging on MCB     Visa. In particular but without limitation, MCB Bank gives no warranty with respect to the quality      of the goods or services or their suitability or fitness for any purpose.

3.MCB Bank is entitled at any time and without any prior notice or liability to the Card member in any     manner whatsoever to terminate Party Points or cancel or vary its benefits or features, or vary     or add to or delete any of these Terms and Conditions, or withdraw or change the participants of     Party Points, or modify or limit the value of Party Points and/or the manner of their redemption     even though any of such act may diminish the value of the Party Points already accumulated.

4.The Card member's participation in the i-shop Program, shall be governed by:

(a) MCB VISA Credit Card Terms & Conditions.
(b) The Terms and Conditions contained herein;
(c) The Terms and Conditions of any booking form or other document issued by or obtained from       MCB Bank/participating merchants by any means;
(d) Any other Terms and Conditions as may be stipulated by the respective participating merchant outlets or third party operators, service providers or suppliers engaged by MCB Bank to provide Rewards featured under this Program.
(e) MCB VISA i-party Program Terms & Conditions.

5.MCB Bank may at any time vary, modify or amend any of the said Terms and Conditions as it may,     in its absolute discretion, think fit, and the Card member shall be bound by such variations and     amendments.

6.The Card member agrees that these Terms and Conditions are in addition to the Terms and     Conditions of the MCB Visa, which continue to govern the Card member's use of the MCB Visa     Credit Card.

7. Any abuse or fraud in respect of the issuance of Party Points, Discounts, Gifts and other value      addition coupons, MCB Bank may, in its absolute discretion, cancel accrued Party Points, Gifts      and other value addition coupons already issued.

8.Without prejudice to any of MCB Bank's rights and remedies, MCB Bank may, at any time, in its     absolute discretion and without giving any reason or notice, terminate this i-party Program or     withdraw, cancel or invalidate any offers in this Program.

9.The Card member hereby authorizes MCB Bank to disclose information regarding the Card member     and the Card member's relevant Account to third parties for the purposes of this Program.

10.MCB Bank's decision on all matters relating to this Program shall be final and binding on the Card      member and no correspondence will be entertained.

11.MCB shall not be liable if it is unable to perform its obligations under these terms and conditions,      due directly or indirectly to the failure of any machine or communication system, industrial      dispute, war, Act of God, or anything outside the control of MCB or its servants or agents. MCB      shall not be responsible for delay in the transmission of sales transactions by Card Acquiring      Members of Visa, Master Card and Visa International.

12.Any other terms and conditions as may be stipulated by the respective participating merchant      outlets or third party operators, service providers or suppliers engaged by MCB to provide.

Rewards featured under this Program will apply.