1. Use of Card. 2. The Account
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1 ARSENAL LOYALTY PROMOTION TERMS & CONDITIONS Kindly note that information on how to enter and information on prizes form part of these terms and conditions. Any entry not complying with these terms and conditions shall be invalid and will be rejected. 1. Use of Card The Arsenal Branded Debit Card (hereinafter used to referred to as Tthe Card ) issued by Imperial Bank (hereiafter referred to as The Bank or The Promoter ) linked to the Arsenal Affinity Account (hereinafter referred to as The Account ) to the Accountholder (hereinafter referred to as The Cardholder ) must be signed by the Cardholder immediately on receipt and may only be used:- a) By the Cardholder, b) Subject to the terms of this Agreement and the General Terms governing the operations of current, savings and/or fixed deposit accounts existing at the time of use, c) To obtain the facilities and benefits from time to time made available by the Bank in respect of the use of the card, d) During the validity period indicated on the card, e) Subject to the right of the Bank in its absolute discretion at any time to withdraw the right to use the card for, or to refuse any request for authorisation of any particular card transaction and to publish any such withdrawal or refusal, f) For any cash withdrawal directly from the Bank or an ATM subject to the daily limits set by the Bank at the Bank s discretion and which limits may be changed from time to time. All card transactions which take place in a currency other than Kenya Shillings and whether or in Kenya shall be converted from currency in which the card traction took place into Kenya Shillings at the prevailing rates, plus 2% as at the date of such conversion and shall be debited from the Cardholder s Account in Kenya Shillings. 2. The Account i. The Bank may debit the account with the amount of all card transactions, any other liabilities of Cardholder herein-under, and any loss incurred by the Bank arising from use of The Card. The Principal cardholder shall pay the Bank all amounts debited whether or not a sale or cash withdrawal voucher is signed by the Cardholder, The Cardholder s account with the Bank is directly updated once The Card is used and should the account go into overdraft for any reason whatsoever it will be treated immediately, and without formal notification, as an unauthorised overdraft and shall attract the prevailing penalty charges/interests as applicable by the Bank. The amount should be cleared immediately to avoid card withdrawal and/or cancellation. 3. Automated Teller Machines The Cardholder (principal and Authorised) may use the card together with such cardholder s Personal Identification Number ( PIN ) to execute a transaction at any of the automated teller machines or terminals designated by the Bank. If the Cardholder has selected such PIN, all security procedures described herein shall apply to each such transactions executed by the Cardholder who must exercise all necessary precautions against loss or theft of the card or disclosure of the PIN.
2 4. Withdrawal of use of the card i. The Bank may at any time cancel or suspend the right to use to any card entirely or in respect of specific facilities or refuse to re-issue, renew or replace any card, without affecting the Cardholder s obligations under this agreement for transactions made before or other such cancellations or suspensions which shall continue in force. The card remain the property of the Bank at all times. On request, all or any card issued for use on the card account must be returned immediately to the Bank or to any other person acting for the Bank. 5. Fees and other charges The charge(s) payable in respect of the use of The Account shall be determined by the Bank and shall be notified to the principal cardholder from time to time. That notwithstanding the following fees and/or charges shall be applicable: i. Opening balance Ksh. 10, Minimum balance Ksh. 5, i Below minimum balance charge Ksh A flat monthly ledger fee Ksh v. Account closure fee Ksh. 1, NB. There will be no monthly charge if an amount of Ksh. 50, and above is maintained as cleared balance in the account throughout that month. Withdrawals over the counter for amounts over Ksh. 50, using a cheque leaf shall be free. Withdrawals below Ksh. 50, using a cheque leaf will attract a fee of Ksh Interest shall be paid on cleared minimum monthly balance(s) and credited to the account quarterly. The interest applicable shall however be on a tiered basis to be determined by the Bank. 6. Promotion and prizes The Bank (as the promoter) shall carry out promotions from time to time and through it partner Arsenal Football Club, as may be advised by the Bank. The Bank has the sole discretion of deciding on the prizes (which it may change from time to time), running the promotion, and withdrawing the promotion at any time or point. i. Accumulation and/or redemption of points The promotion and the prizes available will be based on accumulation of points which will be earned from use of The Card and The Account. The basic structure for points allocation shall be as follows (Table 1 shows a summary of the same): a) Account opening i. All new Arsenal Affinity Accounts will earn 100 points at opening The promoter will retain the right to award points to any Cardholder on the basis of age of account and loyalty. b) Deposits Each Ksh. 5,000 deposit will earn points as follows if at the point of the deposit:
3 i Account available Balance is above Ksh. 5,000 and below Ksh. 50,000, each Ksh. 5,000 is worth 1 point Account available Balance is above Ksh. 50,000 and below Ksh. 100,000, each Ksh. 5,000 is worth 2 points. These are capped at 100 points for each calendar month v. Account available Balance is above Ksh. 100,000, each Ksh. 5,000 is worth 3 point.these are capped at 300 points per calendar month. vi. Maximum total points that can be earned from all deposits during any a calendar month are 1,000 c) Point of sale (POS) Each Ksh. 500 spent at a point of sale (POS) using The Card will earn points as follows if at the point of the transaction: i. Account Available Balance is above Ksh. 5,000 and below Ksh. 50,000 each Ksh. 500 is worth 1 point, i Account Available Balance is above Ksh. 50,000 each Ksh. 500 is worth 2 points The transaction takes place at a merchant partner outlet and Account Available Balance is above Ksh. 5,000 and below Ksh. 50,000 each Ksh. 500 is worth 2 points The transaction takes place at a merchant partner outlet and Account Available Balance is above Ksh. 50,000 each Ksh. 500 is worth 3 points v. There is no limit to points during a month that can be earned when using your Arsenal Affinity Card at any POS d) ATM withdrawal points i. Each Ksh. 5,000 withdrawal at the promoter s ATMs using The Card will earn 2 points, Each Ksh. 5,000 withdrawal at any other ATM using The Card will earn 1 point, e) Cleared Balances Each Ksh. 1,000 of cleared balance at the end of the mouth will earn 1 point; with a maximum of 500 points per month. f) Mobile Banking Withdrawal Points i. Each Ksh. 1,000 withdrawal to mobile wallet using the promoter s Mobile Banking (e.g. MPESA) will earn 1 point, Each Ksh. 100 utility payment using the promoter s Mobile Banking will earn 1 point. g) Internet Banking i. Each log-in to Internet Banking will earn 10 points limited to 100 points per calendar month. Each Ksh. 1,000 transferred using Internet Banking will earn 1 point. h) Additional Information i No points will be earned if account balances are below KShs. 5,000 at the time when a transaction that can earn points takes place. All points will be rounded up to the nearest whole number.
4 v. No point will be awarded for over the counter withdrawals, unless its is proved that the ATM is down. vi. Transaction reversals shall be matched with points reversals or deductions. v Points will be accumulated from 1st July 2013 to 31st May vi ix. A Cardholder with enough points to redeem for a ticket in doing so will be able to book their preferred match over the next 3 months subject to ticket availability for the desired match. The promoter reserves the right to select an alternative match should the desired match be unavailable. Points not used to redeem merchandise during this period will be depreciated to 500 maximum for use during the following season. x. Cardholders with fewer than 500 points on Midnight 31st May 2014 will retain these points for use during the following season. Redemption a. The promoter will provide a schedule of merchandise to be redeemed for accumulated points with items that may change from time to time. b. Redemption of the points to acquire merchandise will be on a first come first served basis, and shall be subject to availability of the merchandise. c. The redemption process shall be initiated either through online or through the promoter s branches. d. The promoter reserves the right to decide which merchandise to be available for redemption at its own absolute discretion. i Eligibility/Entry Criteria a. The promotion shall be open to all active Imperial Bank Arsenal Affinity accounts opened with value above minimum balance during the promotional period and existing account holders who migrate their current accounts to the Imperial Bank Arsenal Affinity account. b. The promotion will run for a period of 6 months during which a draw will be held on each month starting in September 2013 and ending in February c. The eligibility for the promotion will be based on the account holder having the Minimum Number of Points by 12am on the morning of the day of the promotion. The minimum number of points is 500. d. A Single Entry to the promotion will be worth 100 points if Unsuccessful (100 points will be deducted if the entrant does not win the draw) and 5,000 points if Successful (5,000 points will be deducted if the entrant wins the draw) Note a winner of the draw has their points fall to zero if they have fewer than 5,000 points. e. Accounts that are closed prior to the end of the qualifying period each month shall not be eligible. Upon such closure of account, the accumulated points shall automatically be relinquished. f. The promoter has set the Minimum Number of Unique Draw Entries as 50. g. The promoter retains the right to change the date of the draw in order to meet the Minimum Number of Unique Draw Entries.
5 h. The promoter retains the right to vary the Minimum Number of Loyalty Points, Points required for Single Entry, or Minimum Number of Unique Draw Entries from time to time with notice being given at least one week to the Date of the Promotion i. Employees of the Bank (both in Kenya and Uganda), Scangroup agencies and their immediate families (spouses, parents, dependants and children) are not eligible to take part in the promotion. Main Prize a. The winner(s) of the draw(s) shall win an all expense paid trip to watch a live football match at the Emirates Stadium in the United Kingdom. Details of this Prize are as follows: i. Return flights for one person to the UK exact date, time and departure, and airport to be confirmed by the promoter, i Airport transfers while in the UK, Hotel accommodation on a half-board basis (dinner, lunch, bed and breakfast) is included. b. Match Conditions: The promoter reserves the right to select the match that each prize winner shall attend. v. Entry to Emirates stadiums shall be subject to the normal conditions of ticket entry and specific club terms and conditions. vi. v vi ix. The respective Arsenal club reserves the right to remove any spectator from the stadium, subject to their normal security measures/procedures. The dates and kick-off times shall be subject to change due to, but not limited to, television scheduling, cup replays and bad weather. The prize winner shall provide all the advance passenger information as may be required under UK travel regulations, prior to the promoter making travel visa arrangements. The promoter shall also procure sufficient travel insurance for the prize winner. x. It shall however be the responsibility of the prize winner to apply for the necessary travel documentations, as may be required. xi. In the event of a declined visa application, there shall be no alternative prize offered. NB. The promoter and the partner shall not be liable at all for the prize winner(s) not taking advantage of the prize(s) for any reason whatsoever. Likewise, the promoter shall not be liable for any loss or damage whatsoever suffered, including but not limited to indirect and consequential loss, for death or personal injury suffered or sustained in relation to the promotion; except for liability directly imposed by law. c. Collection of prizes: Winners shall be notified through publication in the national press. They will also be contacted directly by a member of staff of the promoter.
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