Dear Customer, Poonam, Arjun, Melanie, Chetan, Anu and Prashanth pitted their minds against the brightest in New Jersey. And walked away as the winners of the first ICICI Bank Quiz - IQ. Besides a beautiful trophy, they each got an iPod for their efforts. Think you're bright enough to win the next? Just walk into the Hindu Temple Auditorium at Flushing this Saturday, 1st April, 2006 and participate in the ICICI Bank Quiz - IQ. You can enter in the junior (Grade 5 - Grade 8) or Open (above Grade 8) categories.There are loads of prizes waiting to be won. Get set for a day of fun and quizzing with your entire family. Register now.    So be at the below mentioned date and venue to participate in IQ   New York:   Saturday, 1st April, 2006 Hindu Temple Auditorium, Flushing 45-57 Bowne Street, Flushing, NY 11355 Tel: (718)-460-8484   Registration at 1:00 pm on the spot, at the venue, following which the competition will begin.  Participants can come in teams of three or in case they come alone, the staff at the venue will assist them to find teammates. Need more information? Just log onto our website www.icicibank.com/nri or call our toll free number 1866-424-2403. This is a rare opportunity for your children to be declared one of the brightest minds in USA, and also win exciting prizes. So don't miss out on all the fun and excitement! See you at ICICI Bank Quiz - IQ in your city! Warm Regards, NRI Services Team

Disclaimer: ICICI Bank Limited reserves the right to modify/change all or any of the terms applicable to this scheme. ICICI Bank Limited also reserves the right to discontinue the scheme without assigning any reasons whatsoever. The participation in this scheme is entirely voluntary and it is understood that the participation shall be deemed to have been made on a voluntary basis. The participation in the scheme shall be deemed to be acceptance of all terms and conditions governing the scheme. The prizes shall be non transferable. ICICI Bank Limited reserves the right to change the prize or the number of prizes offered. The existence of a dispute, if any, regarding the prizes shall not constitute a claim against ICICI Bank Limited. The existence of disputes if any are subject to the exclusive jurisdiction of the competent courts/tribunals of Mumbai. In all matters relating to the scheme the decision of the Bank shall be deemed final and binding in all respects. The terms and conditions will be in addition to and not in substitution/derogation to the terms and conditions governing the relevant NRI services offered by ICICI Bank Limited. Employees and relatives of employees working with ICICI Bank and group companies and their advertising agencies are not eligible to participate in this. ICICI Bank Limited is incorporated in India and regulated by the Reserve Bank of India and maintains its head office in Mumbai, India. The information provided herein is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject ICICI Bank Limited or its affiliates to any licensing or registration requirements. The contest is open to all people residing in the USA. All who come to the venue will be eligible to participate. This offer is available in the USA only. The decision of ICICI Bank will be final and binding in all respects and not open to any challenge in any forum. The Quiz master will have full discretion on all aspects related to the quiz questions. The Quiz has 2 categories - Junior - Grade 5 to Grade 8, Open - Above Grade 8. Participants are required to register at the venue. The contest will take place at the venues specified. Winners will be announced at the end of the contest at the venue. Prizes will be distributed at the end of the contest at the spot. The Bank gives no warranty as to quality of prizes/after sale service etc related to the prize. All taxes, levies and charges relating to the prizes will be borne by the winners. No purchase necessary to enter or win.