Please Read The Fine Print

I've just received an unsolicited ATM card from Standard Chartered Bank. The thing is that I don't have money deposited in my Standared Chartered account (I only have their credit card). So if I withdraw money using this card, this might be considered to be a 'cash advance', liable to a service charge of $5 or more. However, I cannot be sure of the exact charges apart from calling them up and asking because the fine print is so difficult to read! (Click for bigger pictures.)

I held the camera centimetres away from the coin to take the picture below. About 16 lines of text fit the diameter of the coin! While I can read the Terms and Conditions, it gets really tiring. And I haven't found the section that describes the service charges yet as there are no obvious headings that highlight where I should be reading...