Terms and Conditions:

1. Promotion is valid from 1 July 2014 to 31 December 2014 (the "Promotion Period"), both dates inclusive.
2. "$0 Securities Trading Brokerage Fee" is only applicable to new customers who did not maintain any securities account (whether in the customer's sole name or joint-name with other person(s)) with Dah Sing Bank ("the Bank") at any time during the period from 1 January 2014 to 30 June 2014 and open new securities accounts of the Bank for the first time during the "Promotion Period". "$0 Securities Trading Brokerage Fee" is offered to customers in the first two months of the securities account starting from the date of account opened (the "Offer Period"). "$0 Securities Trading Brokerage Fee" offer is only applicable to trades of securities conducted via Mobile, Internet or Branch Securities Centre. For such offer, there is no limit on the number of trades but the total maximum accumulated transaction amount offered to Dah Sing VIP Banking Services customers is HK$3 million equivalent (customers are required to be Dah Sing VIP Banking Services customers as of the end date of the "Offer Period", otherwise the total maximum accumulated transaction amount is HK$2 million equivalent) while the total maximum accumulated transaction amount offered to general customers is HK$2 million equivalent. The maximum accumulated transaction amount includes the $0 brokerage securities transactions via Mobile, Internet or Branch Securities Centre. If the customer trades RMB denominated securities, the respective transaction amount will be calculated based on the Bank's exchange rate and included in the accumulated transaction amount. Customers who are eligible for "$0 Securities Trading Brokerage Fee" are required to pay brokerage fees upfront at the promotional rate as existing customers. The waived brokerage fees will be reimbursed to customers' settlement accounts in form of cash rebates within 2 months after the end of the "Offer Period". Customers must maintain the relevant securities accounts and settlement accounts at the time of reimbursement for such rebates.
3. The "Securities Trading Brokerage Fee at 0.125%" offer is applicable to all existing customers who successfully executed trades of securities via Mobile, Internet or Branch Securities Centre during the "Promotion Period" via valid securities accounts maintained with the Bank. The minimum brokerage charge of "Securities Trading Brokerage Fee at 0.125%" is HK$70/RMB70 per transaction.
4. The "Securities Trading Brokerage Fee at 0.1%" offer is applicable to any single transaction reaches $1 million or above via Internet during the "Promotion Period" through valid securities accounts maintained with the Bank. For customers who are entitled to "Securities Trading Brokerage Fee at 0.1%" offer, they are required to pay brokerage fees upfront at the promotional rate. The waived brokerage amount entitled will be reimbursed to customers' settlement accounts in form of cash rebates in January 2015. Customers must maintain the relevant securities accounts and settlement accounts at the time of reimbursement for such rebates.
5. New customers, after the "$0 Securities Trading brokerage Fee" offer as described in 2 above, can enjoy "Securities Trading Brokerage Fee at 0.125%" and "Securities Trading Brokerage Fee at 0.1%" for their buy/sell trades of securities conducted via Mobile, Internet or Branch Securities Centre within the "Promotion Period". All trades can enjoy only one of the promotion offers at most.
6. VIP Banking Services customers, who successfully deposit Hong Kong listed stocks (Warrants & CBBC are excluded) into their securities accounts with the Bank via Central Clearing and Settlement System (CCASS) from other banks or securities firms (excluding Dah Sing Financial Group and its subsidiaries) during the "Promotion Period" and the aggregate market value of such stocks deposited reaches designated amount can enjoy the offers. Customers are free to sell such stocks through the Bank. If there is any withdrawal of such stocks either through CCASS or by physical scrip within the "Promotion Period", the relevant market value will be deducted from the calculation of the aggregate market value for this offer. Market value is calculated on the closing price and the exchange rate of the stock on the deposit/withdrawal day. The maximum amount of cash reward entitled to each securities account is HK$3,000. Customers have to be Dah Sing VIP Banking Services customers on 31 December 2014 in order to enjoy this promotional offer. The cash reward will be credited to customers' settlement accounts in January 2015. Customers must maintain the relevant securities accounts and settlement accounts at the time for such cash reward.
7. "$0 Brokerage Fee for Stocks Investment Savings Plan" offer is only applicable to Stocks Investment Savings Plan of the Bank within the Promotion Period, including the newly setup and existing Stocks Investment Savings Plan. The maximum investment amount is HK$20,000 per month, including all Plans of the same customer. Customers who are entitled to "$0 Brokerage Fee for Stocks Investment Savings Plan" offer, they are required to pay brokerage fees upfront. The waived brokerage amount entitled in July to September 2014 and in October to December 2014 will be reimbursed to customers' settlement accounts in form of cash rebates in October 2014 and January 2015 respectively. Customers must maintain the relevant securities accounts and settlement accounts at the time for such cash reward. The minimum monthly investment amount is HK$1,000. The monthly contribution can be increased in the multiple of HK$500. The monthly investment amount will include brokerage and other charges. If Dah Sing Bank credit card is used as debit account, the aggregate total of monthly investment amount of all Plans cannot be greater than HK$5,000. For details and related terms and conditions of Stocks Investment Savings Plan, please refer to the related promotion materials.
8. Offers are not transferable or cannot be exchanged for cash or other discounts.
9. Private Banking customers and customers who opened accounts in company name are not eligible for the above offers.
10. The staff of Dah Sing Financial Group and its affiliates is not eligible for Offer 1 and Offer 3.
11. The offer cannot be used in conjunction with any other promotional offers of the Bank. The Bank reserves the right to terminate the above offers or amend their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final and conclusive.