American Express Participants Web Site Rules and Regulations
	Malayan Banking Berhad requires that all the visitors to our site(s) on the World Wide Web that mention American Express-branded products and service (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

	SITE OWNERSHIP
	The Site is owned and controlled by Malayan Banking Berhad. American Express Company and its subsidiaries and affiliates ("American Express") have no responsibility or liability for the Site.

	LAWS AND REGULATIONS
	User access to and use of the Site is subject to all applicable federal, state and local laws and regulations.

	COPYRIGHT/TRADEMARKS
	The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Malayan Banking Berhad, American Express and other parties. Users are prohibited from using any Marks without the written permission of Malayan Banking Berhad, American Express or such third party that may own the Marks. All content on the Site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the Site for commercial or public purposes.

	NO WARRANTIES
	ALL INFORMATION ON THE SITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OF IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. Malayan Banking Berhad and American Express do not endorse and are not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than statements they make themselves. Under no circumstance will American Express and Malayan Banking Berhad be liable for any loss or damage caused by a user's reliance on information obtained through the Site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

	LIMITATION OF LIABILITY
	Malayan Banking Berhad and American Express specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages suffered or incurred by User or any other person arising out of or in any way connected with access to or use of the Site, (even if Malayan Banking Berhad or American Express have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

	CONFIDENTIALITY OF USER COMMUNICATIONS
	Except as required by law, Malayan Banking Berhad will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to Malayan Banking Berhad. Postings by a user on any message board or in any chat room will not be protected as confidential and Malayan Banking Berhad may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates or to American Express for any purpose whatsoever and as deemed appropriate by Malayan Banking Berhad, subject to applicable law.

	LINKED INTERNET SITES
	Malayan Banking Berhad and American Express are not responsible for the content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk.

	TRANSMISSION OF PERSONAL DATA
	[For use in connection with Sites through which proprietary Cardmember/Customer account data may be transmitted.] User acknowledges and agrees that by providing Malayan Banking Berhad with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with Malayan Banking Berhad's standard business practices.

	CHANGES TO RULES AND REGULATIONS
	Malayan Banking Berhad reserves the right to revise the Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations (except for those provisions concerning American Express).

	VIOLATIONS OF RULES AND REGULATIONS
	Malayan Banking Berhad and American Express reserve the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

	ACCESS TO PASSWORD PROTECTED/SECURE AREAS
	Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

	COPYRIGHT INFRINGEMENT
	Malayan Banking Berhad reserves the right to remove any content on this Page which allegedly infringes another person's copyright.

	GOVERNING LAWS
	The terms and conditions herein shall be governed by the laws of Malaysia.