BAIDURI Exclusives

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Card HelpdeskOur Card Helpdesk is part of our ongoing focus on enhancing customer services for Cards. It’s a one stop shop for all Card related enquiries. Irregardless of whether its about our Baiduri Debit Card or Credit Card, customers just need to remember one telephone number 245 4187.

Our Helpdesk is operative from 8:30am to 5:30pm Mondays to Fridays and 8:30am to 11:30am on Saturdays.

With our sincere appreciation...

We welcome you to the World of Baiduri Exclusives – Baiduri Bank’s latest edition Newsletter especially introduced for our esteemed Cardmembers.

Baiduri Exlusives Quaterly Issue will help you in further utilizing your Card to its advantage by providing you with the best offer we can find in town.

In ThIs Issue...

Beauty Secrets 2

Fashion & Accessories 2

Gourmet Delights 3

Home & Lifestyle 4

Travel & Leisure 4

“Enjoy the Baiduri Cardmember experience.”

Baiduri and Hua Ho Jointly Hold Hari Raya Shopping Privileges Exclusively for Baiduri and Hua Ho H2 CardmembersBandar Seri Begawan – Baiduri Bank and Hua Ho Department Store once again held an exclusive promotion for all Baiduri and Hua Ho H2 Cardmembers every Friday to Sunday last 4th to 20th September 2009.

During the promotion, Baiduri and H2 Cardmembers received great discounts when they made payments using their Baiduri Cards and H2 Cards at Hua Ho Kiulap, Delima, Tutong and Gadong 2.

Cardmembers enjoyed an additional 10% off on department store purchases upon payment, on top of the existing discount. In addition, they also enjoyed 5% discount on supermarket purchases, excluding rice and sugar.

There were also special priced items made available only for Baiduri and H2 Cardmembers during this promotion.

Baiduri Bank Awards Cash Prizes to the Winners of the Baiduri 2009 Raya CelebrationBandar Seri Begawan – In conjunction with the Brunei Grand Sale and the Hari Raya Sale, 20 lucky Baiduri Cardmembers who made purchases with their Baiduri Bank American Express®, MasterCard or Visa Card from 17th August to 13th September 2009 each walked away with B$1,000.

The prize presentation ceremonies were held at the Baiduri Bank Card Centre located at the Kiarong Complex.

Ms Lee Ai Cheng, the Senior Manager of Sales & Service of Baiduri Bank Card Centre, presented the prizes to all the weekly winners.

We congratulate all the lucky winners of the Baiduri 2009 Raya Celebration! To all our loyal Baiduri Cardmembers, we thank you for your support.

Lucky draw winners smile for the camera as they receive their cash prizes during the awards ceremony.

October - December 2009 | Issue No. 4

BEAUTY Secrets Rahsia KEcAnTiKAn

Feel good. Look Good. Great ways to refresh your mind and body.

Zen Spa Healthcare Delima: Unit 5-8, Second Floor, Block C, Delima Square Tel: 233 8877

Kiulap: Unit 9-11, Second Floor, Suria Kiulap Tel: 223 7777

Unwind And Refuel Your Mind, Body And Soul At Zen Spa Healthcare.�

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 20% discount • Baiduri Gold Cardmembers enjoy 15% discount • Baiduri Classic and Debit Cardmembers enjoy 10% discount

Note:� • Discounts applicable to single treatment worth B$30 and above • Not applicable to all Intense facial product • Not applicable in conjunction with any other promotion or discount

All Baiduri Credit Cardmembers are entitled to 10% discount for all Spa Packages.

Promo runs from now until 1st March 2010.

FASHiOn & Accessories Gaya & KEcAnTiKAn

It’s all in the details. Unleash your inner fashionista.

Shoelovers BoutiqueUnit 1-3 Basement Level, Hua Ho Manggis

Unit FF02, The Centrepoint Hotel

Unit 2.20, 2nd Floor, The Mall

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 30% discount • Baiduri Gold Cardmembers enjoy 15% discount • Baiduri Classic and Debit Cardmembers enjoy 10% discount

Promo runs from now until 31st December 2009.

C’est Moi Unit L2/13, 1st Floor, Seri Qlap Mall Tel: 223 1916

Unit 2.43, 2nd Floor, The Mall Tel: 242 5877

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 20% discount • Baiduri Gold Cardmembers enjoy 15% discount • Baiduri Classic and Debit Cardmembers enjoy 10% discount

Promo runs from now until 31st December 2009.

Pelangi De’Mutiara Tourist Square Sdn BhdUnits 12-14, Ground Floor, Block C, Latifuddin Complex, Jln Tungku Link Tel: 245 6143 / 871 1535

The Empire Visa Infinite, Baiduri Platinum, Gold, Classic and Ladies Credit Cardmembers can enjoy 15% off when they purchase any Kipling items.�

Promo runs all year-round.

Hakim N Liza Foot SpaBlock F, Ground Floor, Kg Pengkalan, Gadong Tel: 244 7700 / 244 8800

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 15% discount • Baiduri Gold Cardmembers enjoy 10% discount • Baiduri Classic Cardmembers enjoy 5% discount

Promo runs from 29th October until 31st December 2009.

Palm Spa Health Care CentreGround Floor, Palm Garden Hotel Tel: 223 2211

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 20% discount • Baiduri Gold Cardmembers enjoy 15% discount • Baiduri Classic Cardmembers enjoy 10% discount

Offer valid on all treatments. Receive a free body massage, foot reflexology and a foot herbal steam spa upon completion of 10 times service within a 3-month period.

i Lotus RestaurantNo. 20, Simpang 12-26, Kg. Rimba, Gadong Tel: 242 2466

The Empire Visa Infinite, Baiduri Platinum and Gold Cardmembers enjoy 7% discount on ala carte dishes only.�

Note:� Discounts are not valid with other promotion or discount.

Promo runs from now until 31st March 2010.

Nur Wanita Restaurant & Catering ServicesUnit 10, Block B, Kiarong Complex Tel: 242 6789

Baiduri Credit Cardmembers can enjoy respective discounts for spending B$30 and above.

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 20% discount • Baiduri Gold Cardmembers enjoy 15% discount • Baiduri Classic Cardmembers enjoy 10% discount

Promo runs from now until 31st December 2009.

Le Apple Bakery & MartNo 27 - 29, Bangunan Hj Hasan Abdullah

No 4 & 5, Block B, Tanjong Bunut Place Tel: 244 7885/86

• All Baiduri Credit Cardmembers enjoy 10% discount on birthday cakes (excluding motif and drawing designs)� • All Baiduri Credit Cardmembers enjoy 5% discount on books and kitchen utensils (excluding electrical goods, “Hiwell” and “Buffalo” products)�

Promo runs from now until 21st July 2010.

GOURMET Delights Makanan LAZAT

Gastronomic treats for all foodies. The best places to satisfy your taste buds.

Lof Cakes and BakeryUnit 8, Ground Floor, Block C, Delima Square Tel: 233 3777

Baiduri Credit and Debit Cardmembers enjoy 10% discount on any purchase at Lof Cakes and Bakery.

Note:� • Discount excludes charges for patterns or designs as per request by cardmembers. • Not applicable in conjunction with any other promotion or discount.

Promo runs from now until 1st March 2010.

ROYAL BRUNEI CATERINGAll RBC Restaurants and Express Fastfood outlets

• The Emipre Visa Infinite and Baiduri Platinum Cardmembers enjoy 15% discount* • Baiduri Gold and Classic Cardmembers enjoy 10% discount*

*Discounts are eligible for ala carte menu as well as buffet menu excluding banqueting with a minimum spending of B$15 and maximum B$500 in a single receipt.

During the entire promotion, Baiduri Cardmembers will be entitled to 2 lucky draw chances.

Promo runs from now until 31st December 2009.

Fun Bread Café Unit 1, Ground Floor, Block E, Abdul Razak Complex Tel: 245 1028

All Baiduri Credit Cardmembers enjoy 10% discount.�

Terms & Conditions:� • Not applicable on promotional items or period • Minimum spending B$20 for dine-in only • Applicable for outside catering

Promo runs from now until 31st December 2009.

Fun Bread Bakery02, Ground Floor, Kiulap Plaza Hotel

All Baiduri Credit Cardmembers enjoy 10% discount.�

Terms & Conditions:� • Applicable to whole cake order only • Excludes motifs and designs • Not applicable during promotional period

Promo runs from now until 31st December 2009.

Orchid Room RestaurantOrchid Room 1 Restaurant (Town Centre)� Lot 308, 2nd Floor, Bangunan Maju, Jalan Bunga Raya, Kuala Belait Tel: 333 4650

Orchid Room 2 Restaurant (Pandan 4)� Lot 7065, Unit 1, Ground Floor, Jalan Jaya Negara, Kuala Belait Tel: 333 7225

With The Sumptuous Spread At Orchid Room 1 and Orchid Room 2, There’s No Better Way To Feast To your Heart’s Content.

• The Empire Visa Infinite, Baiduri Platinum and Gold Cardmembers enjoy 15% discount on their total food bill • Baiduri Classic and Debit Cardmembers enjoy 10% discount on their total food bill

Note:� • Applicable for ala carte menu only • Exclusive discount not valid for buffet, catering and parties

Additional Benefits for Orchid Room 1 Restaurant:� All Birthday Recipient will enjoy one birthday ice cream and one instantmatic photo posted at Orchid Photo Library.

Promo runs from now until 1st March 2010.

Fun Wok HongKong Restaurant#04-06, Ground Floor, Kiulap Plaza Hotel Tel: 223 2397

The Empire Visa Infinite, Baiduri Platinum and Baiduri Gold Cardmembers enjoy 10% discount.�

Terms & Conditions:� • Not applicable on promotional items or period • Minimum spending B$20 for dine-in only • Applicable for outside catering

Promo runs from now until 31st December 2009.

RMS GROUP OF RESTAURANTSAll RMS Restaurants

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy a 15% discount on total food bill from ala carte menu • Baiduri Gold and Classic Cardmembers enjoy a 10% discount on total food bill from ala carte menu • Baiduri Amex and RBA Amex Cardmembers enjoy a 15% discount on total food bill from ala carte menu

Exception: Not valid for beverage/drinks, discounted or any promotional offers.

Promo runs from now until 31st December 2009.

Fun Donuts Bakery02, Ground Floor, Kiulap Plaza Hotel Tel: 223 2396

All Baiduri Credit Cardmembers enjoy 10% discount.�

Terms & Conditions:� • Applicable to whole cake order only • Excludes motifs and designs • Not applicable during promotional period

Promo runs from now until 31st December 2009.

Integrated Communications Sdn BhdNo. 6 & 7, Block D, Abdul Razak Complex Tel: 243 0801

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 5% discount • Baiduri Gold Cardmembers enjoy 3% discount • Baiduri Classic Cardmembers enjoy 3% discount

Terms & Conditions:� • No further discount with DSTcard • Not applicable to promotional items • 3% discount on accessories for Baiduri Classic and Gold Cardmembers • 10% discount on accessories for Baiduri Platinum Cardmembers

Promo runs from now until 31st July 2010.

Home Suite Home Co.Units 14-16, 1st Floor, Regent Square, Kiulap Tel: 223 2381

For every B$1,000 worth of purchase, receive a B$50 gift voucher that can be spent on any product at Home Suite Home Co.�

For The Empire Visa Infinite, Baiduri Visa Platinum and Baiduri Gold Cardmembers

Promo runs from now until 31st December 2009.

Patchi InternationalUnit 11, Ground Floor, The Mall, Gadong Tel: 242 4505

Elegant Giftware Items from Patchi Exclusively for Baiduri Credit Cardmembers

• The Empire Visa Infinite and Baiduri Platinum Cardmembers enjoy 15% discount on giftware items if purchase is more than B$3,000 for a single receipt • Baiduri Platinum Cardmembers enjoy 10% discount on giftware items with any amount purchased • Baiduri Gold and Classic Cardmembers enjoy 5% discount on giftware items with any amount purchased

Promo runs from now until 28th February 2010.

BAIDURI BANK CARDS - RECOGNITION AND REWARDS BEGIN HERE. For more details, please visit any Baiduri Bank branch or Baiduri Card Centre, or call 2454187 today.

STAY FOR LESS – With its stunning city-centre location overlooking the South China Sea and spectacular sunsets, Le Méridien Kota Kinabalu in Kota Kinabalu, Sabah, lies within walking distance of many great shopping, dining and entertainment facilities.

The hotel’s 306 sleek, contemporary guestrooms invites limitless opportunities for rest and recreation whilst four distinct restaurants and bars cater to every palate, from international cuisine in a casual setting to an oasis for refreshments; from live band entertainment to an ideal place to unwind.

TRAVEL & Leisure Pengembaraan & KESELESAAn

Weekend get-aways. Fancy holidays. Travel in style without breaking the bank.

The hotel’s unique city-centre location and spectacular views make the perfect locale for a journey of discovery to Sabah, one of Malaysia’s finest travel destinations.

Enjoy a 20% discount off our best available rates when you book and pay for your stays with a Baiduri Bank Credit Card.

Terms & Conditions:� • Prior reservations are required. • Please quote offer name “Stay for Less” and Baiduri Bank Credit Card details when making reservations, and produce said credit card for settlement of room charges etc. • Rooms are subject to availability.

Promo runs from now to 31st December 2009.

HOME & Lifestyle Kehidupan & KEdiAMAn

Work. Play. Relax. Go live your best life.

Approval Code

Last four (4) digits

THIS CAN BE YOURS FOR FREE

As good as cash anywhere in the world.

Apply for a Baiduri Visa Debit Card from now until 28 February 2010 and receive:

• 1st year annual fee waived when you spend B$25 and above on your Card at SupaSave within two (2)

months after collecting your Card. Then, just notify us by sending an SMS with the following:

BBC<space>last four (4) digits of your Card<space>six (6) digit approval code

<send>8885555 (for DST users) or 22333 (for B-mobile users)

• 3X Reward Points when shopping at any SupaSave outlet

All Baiduri Cardmembers are entitled to two (2) “Shop & Win” draw vouchers within this promo period.

For more information, call our Baiduri Card Centre Customer Service Helpdesk at 245 4187.