As Low as 2.08% Annualized Percentage Rate and up to HK$10,000 Cash Rebate Terms and Conditions: The promotion period is from now until 31 October 2013 (the "Promotion Period"). Customers who successfully apply and drawdown Express Money or Credit Mastermind Instalment Loan within the Promotion Period are entitled to up to HK$10,000 cash rebate ("Cash Rebate") according to loan tenor and loan amount. 2.08% Annualized Percentage Rate ("APR") is applicable to "Preferred Customers" (such as civil servants and professionals) who successfully apply and drawdown Credit Mastermind Instalment Loan with an assumption of a HK$1,000,000 loan amount, 72-month loan tenor and 0.011% monthly flat rate, APR including a credit life premium of 1.1% p.a. and HK$10,000 cash rebate is 2.08%. For "Selected Customers" (such as payroll-service customers, VIP Banking customers, mortgage customers of Dah Sing Bank ("the Bank"), civil servants and professionals) who successfully apply and drawdown Express Money, with an assumption of a HK$1,000,000 loan amount, 12-month loan tenor and 0.11% monthly flat rate, APR including HK$2,000 cash rebate is 2.08%. The APRs are calculated according to the Guidelines of Code of Banking Practice, and rounded to the nearest two decimal places and may vary for individual customers. For details and terms and conditions of interest rate, loan amount, tenor, cash rebate, definition of "Preferred Customers" of Credit Mastermind Instalment Loan, "Selected Customers" of Express Money and other offers, please refer to Dah Sing Bank's website www.dahsing.com for product details and related Terms and Conditions about Credit Mastermind Instalment Loan and Express Money. For the Service Charges applicable to Dah Sing Personal Loan, please click here. Borrowers of Dah Sing Personal Loan will be bound by Dah Sing Bank Instalment Loan Terms & Conditions. The Bank reserves the right to terminate or amend the above offers and their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail. + Terms and Conditions for Online Application Cash Reward: The promotion period is from now until 31 October 2013 ("the Promotion Period"). Customers who successfully apply Express Money or Credit Mastermind Instalment Loan through Dah Sing Bank ("the Bank") website www.dahsing.com or Dah Sing Bank iPhone App during the Promotion Period and drawdown the loan on or before 30 November 2013 ("Eligible Customers") are entitled to HK$50 and HK$100 cash reward respectively ("Cash Reward"). Cash Reward will be issued in form of cash coupon. Cash coupon will be mailed to Eligible Customers' correspondence address on or before 31 Jan 2014. To enjoy the Cash Reward, the relevant loan accounts must be valid and with good repayment records on coupon send out date. Cash coupons are not redeemable for cash or transferrable to other gifts, and no changes will be given. The Bank is not the supplier of the cash coupons, and is not liable for any products or services provided by individual merchants. Should there be any enquires or complaints regarding the quality of the products or services, customers should contact the product suppliers directly. Each loan application is entitled to the Cash Reward once only. If the online loan application is not approved, other personal loan products may be offered by the Bank, but Cash Reward will not be offered under such circumstances. The Bank reserves the right to offer other gifts as replacement without prior notice, which may not be of same value or same category which the gifts may not be of same value or same category as Cash Reward of this promotion. 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. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail. # Terms and Conditions for Online Application Grand Lucky Draw: The promotion period is from now until 31 October 2013 ("the Promotion Period"). Customers who successfully apply Express Money or Credit Mastermind Instalment Loan through Dah Sing Bank ("the Bank") website www.dahsing.com or Dah Sing Bank iPhone App during the Promotion Period and drawdown the loan on or before 30 November 2013 ("Eligible Customers") are entitled to Online Lucky Draw. Lucky draw gifts ("Gifts") as below: Gift No. of Winners LG Optimus G Pro Smart Phone (Reference Price: HK$5,698) 3 Samsung ATIV Tab 3 Tablet PC (Reference Price:HK$6,280) 3 Eligible Customers will be entitled to one lucky draw entry for each eligible loan application. Customers will get one extra lucky draw entry for each additional successful loan application and drawdown. The Lucky Draw will be taken place on 10 December 2013 ("Lucky Draw Day"), where 6 winners will be chosen randomly by computer from the pool of Eligible Customers. To be eligible for the Lucky Draw, Eligible Customer's Loan account must be valid, has good repayment record and has no early settlement before the Lucky Draw Day. The Lucky Draw result will be announced on the Bank's website www.dahsing.com on or before 31 December 2013 ("Result Announcement Day"). The Bank will notify the lucky draw winners regarding reward details by mail. The Gifts are not redeemable for cash or transferrable to other gifts, and no changes will be given. The Bank is not the supplier of the Gifts, and is not liable for any products or services provided by individual companies. Should there be any enquires or complaints regarding the quality of the products or services, customer should contact the product suppliers directly. In the case of insufficient stocks, the Bank has the right to use other products as replacement without prior notice, which may not be of same value or same category as the Gifts in this promotion. The pictures and reference price of the Gift is for reference only. The Bank is not responsible for setting the reference price and / or the difference between the reference retail prices and the actual retail prices available in the market. The Bank reserves the right to terminate the above offers or to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.