1. The Promotion Period is valid from 2 July 2013 to 30 September 2013 ("the Promotion Period").
2. The minimum monthly average balance requirement of Dah Sing VIP Banking is HK$500,000 or above or equivalent (including all deposits and/ or investments). If the average daily balance of deposit and investment portfolio falls below HK$500,000 in any month, a monthly maintenance fee of HK$200 will be charged. For details, please refer to the booklet of "Bank Service Charges" of Dah Sing Bank (" the Bank").
3. The VIP Banking Welcome Reward ("the Welcome Reward") is only applicable to customers who newly open / upgrade to Dah Sing VIP Banking of the Bank during the Promotion Period and are the primary cardholders of Dah Sing VIP Banking Visa Infinite Card ("New Customers"). The Welcome Reward is not applicable to Dah Sing Hello Kitty VIP Banking customers. New Customers refer to customers who did not maintain or cancel Dah Sing VIP Banking nor Dah Sing Hello Kitty VIP Banking (either individual or joint name) during the period from 1 July 2012 to 30 June 2013. For New Customers who hold joint name Dah Sing VIP i-Accounts, the New Customers must be the primary account holders in order to enjoy the Welcome Reward.
4. For the details of the Welcome Reward, please refer to point 5 in this Terms and Conditions. Each New Customer is entitled to the Welcome Reward once only and the cap is HK$3,200. Free Credit Card Spending of the Welcome Reward will be credited to New Customers' Dah Sing VIP Banking Visa Infinite Card accounts by 28 February 2014. Eligible Customer's VIP i-Account and credit card account must remain valid and in good standing status at the time when free credit card spending of the Welcome Reward is being credited. If Customer fails to meet the requirement, the Bank reserves the right to withdraw the bonus point reward without any prior notice.
5. Upon New Customers open/upgrade to Dah Sing VIP Banking until 31 December 2013, the average monthly deposit and/ or investment balance of the New Customers reaches HK$500,000 or above and below HK$1,000,000 or equivalent, HK$100 Basic Reward of Free Credit Card Spending will be offered; HK$100 or HK$300 extra Free Credit Card Spending will be offered for successful enrolment in one / two or above designated wealth management services respectively, total Free Credit Card Spending will be HK$200 or HK$400; Basic Reward of Free Credit Card Spending HK$300 will be offered if the average monthly deposit and/or investment balance of the New Customers reaches HK$1,000,000 or above and below HK$5,000,000 or equivalent; HK$300 or HK$900 extra Free Credit Card Spending will be offered for successful enrolment in one / two or above designated wealth management services respectively, total Free Credit Card Spending will be HK$600 or HK$1,200; Basic Reward of Free Credit Card Spending HK$800 will be offered if the average monthly deposit and/or investment balance of the New Customers reaches HK$5,000,000 or above or equivalent; HK$800 or HK$2,400 extra Free Credit Card Spending will be offered for successful enrolment in one / two or above designated wealth management services respectively, total Free Credit Card Spending will be HK$1,600 or HK$3,200. For the definition of the designated wealth management services, please refer to point 6 below.
6. Designated wealth management services include (i) application of life insurance plan (except Investment Linked Assurance Scheme) and the policy is issued on or before 31 October 2013 and remain in force at the time the Bank credits the Free Credit Card Spending of the Welcome Reward, (ii) lump sum subscription of investment fund, (iii) set up of Currency Linked Premium Deposit, (iv) subscription of Equity Linked Investment, (v) set up of Currency Linked Principal Guaranteed Deposit and (vi) subscription of Bond. For the designated wealth management service (i), the annualized first year premium must reach HK$50,000 or above or equivalent and for the designated wealth management service (ii) to (vi), the subscription amount or set up amount must reach HK$200,000 or above or equivalent in order to be eligible for the Welcome Reward. Except the designated wealth management service (i) which relates to the application of life insurance plans, the New Customers who enroll in other designated wealth management services must be the primary account holders of the relevant transaction accounts, otherwise the New Customers are not entitled to the Welcome Reward. New Customers have to maintain the relevant average monthly deposit and/ or investment balance until 31 December 2013 or otherwise will not be entitled to this offer. Dah Sing Life Assurance Company Limited (Incorporated in Bermuda with limited liability) ("Dah Sing Life") is the underwriter of the life insurance plans. The Bank is an insurance agent authorized by Dah Sing Life. For the details and the terms and conditions of life insurance plans, please refer to the relevant promotional leaflets or contact the customer services officers of the Bank. For the details of investment fund, Currency Linked Premium Deposit, Equity Linked Investment, Currency Linked Principal Guaranteed Deposit and Bond please contact the staff at Investment Services Section of the Bank.

Dah Sing VIP Banking Visa Infinite Card Supreme Reward Terms and Conditions:

7. For detailed terms and conditions, please refer to the relevant promotion leaflet of Dah Sing VIP Banking Visa Infinite Card or contact your Relationship Manager.

Investment Service Privileges Terms and Conditions:

8. Regarding Offer 1 of the Investment Service Privileges which relates to new enrolment in designated investment services, the maximum reward is HK$500 for VIP Banking customers. For details and the relevant terms and conditions, please refer to the promotion leaflet of Investment Service Offer or contact the customer service officers at the investment Service Section of the Bank. Additionally, New Customers successfully open new securities accounts during Promotion Period (New Customers are required to have no sole-named or joint-named securities account during the period from 1 July 2012 to 30 June 2013) with at least one securities transaction successfully executed via any trading platforms during the Promotion Period will be entitled to HK$250 reward. New Customers must maintain the Dah Sing VIP i-Account and securities account effective when the cash coupon is distributed in order to be eligible to the offer. The Bank will inform the New Customers of Offer 1 to collect the cash coupon at the Bank's branches on or before 29 November 2013.
9. or details and the relevant terms and conditions of Offer 2 and Offer 3 of Investment Service Privileges, please refer to the promotion leaflet of Investment Service Offer and Securities Services Offer respectively or contact the customer service officers at the investment Service Section of the Bank.
10. For details and the relevant terms and conditions of Offer 4 of Investment Service Privileges, please refer to the promotion leaflet of Securities Services Offer or contact the customer service officers at the investment Service Section of the Bank.

Terms and Conditions of Other Banking Service Privileges:

11. For the details of Bonus Saving Rate up to 1.6% p.a. and the latest promotion offers, please refer to the terms and conditions of the relevant promotion or visit the website of the Bank.
12. For the Offer 2 related to vehicle finance, Dah Sing VIP Banking customers must pay advance instalments for the period equalling to tenor +1 ( for example, for a tenor of 5 years, 6-month instalments should be paid in advance) or otherwise the customers are not eligible to the offer. The offer is only applicable to acquisition of brand new private cars. For other terms and conditions of the offer relating to vehicle finance please refer to relevant leasing contract of vehicle finance.

Other Terms and Conditions:

13. The above offers are not for sale/ resale, non-transferable and non-exchangeable for cash, other products, services or discounts offers. Unless specially specified, the above offers cannot be used in conjunction with other offers of relevant services provided by the Bank/Dah Sing Life. If customers are entitled to the offer in conjunction with other promotional offer(s), the Bank/ Dah Sing Life reserves the right to grant the customer one of or part of the entitled offer only.
14. Except Offer 3 of the Wealth Management Privileges, the above offers are not applicable to the staff of Dah Sing Financial Group and its affiliates.
15. The Bank/Dah Sing Life reserves the right to terminate and amend the offers, rate, fees and charges and the relevant terms and conditions without prior notice. If there are any disputes, the decision of the Bank/ Dah Sing Life shall be conclusive.

Important Notes:

Securities Service
Investment involves risks. The prices of securities fluctuate, sometimes dramatically. The price of securities may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities. Customers should carefully consider whether the investment products or services mentioned herein are appropriate for them in view of their investment experience, objectives and risk tolerance level, and read the terms and conditions of relevant Securities Services before making any investment decision.

Investment Fund Service
Investment involves risks. The price of funds fluctuates, sometimes dramatically.The price of fund may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling funds. Past performance is no guide to future performance. Before making any investment decision, investors should consider their investment experience, objectives and risk tolerance level and read carefully the terms and conditions and the risk factors contained in the relevant offering documents. If investors are in doubt about the nature of or the risks associated with this investment product, investors should obtain any necessary and appropriate professional advice before investing.

Currency Linked Premium Deposit
Transaction of Currency Linked Premium Deposit is complicated and involves risks of loss. You should refer to the relevant product leaflet and understand the nature and risks involved of this investment product before investing in Currency Linked Premium Deposit. Currency Linked Premium Deposit is not equivalent to time deposit, not principal-protected and should not be regarded as a substitute for time deposit. Currency Linked Premium Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

Equity Linked Investment
Equity Linked Investment is not equivalent to time deposits and is not principal protected. You could lose your entire investment. Regarding the product details and risk disclosure of Equity Linked Investment, please refer to relevant offering documents. If you have any questions on the nature and related risks of this investment product, you should seek necessary and appropriate professional advices before making your investment decision.

Currency Linked Principal Guaranteed Deposit
Currency Linked Principal Guaranteed Deposit is a structured investment product and is not equivalent to time deposit. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. This product is only principal protected if customers hold it till maturity. Regarding the product details of Currency Linked Principal Guaranteed Deposit, please refer to the relevant offering documents.

Bond
Bond is an investment product. Investment involves risks. The price of bonds may move up or down, or even become valueless. Losses may be incurred as well as profits made as a result of bond investments. Past performance of a bond is no guide to its future performance. Holders of a bond bear the credit risk of the issuer and other associated risks. Before making any investment decision, investors should consider their investment experience, objectives and risk tolerance level and read carefully the terms and conditions and the risk factors contained in the relevant offering documents. If you are in doubt about the nature of or the risks associated with this investment product, you should obtain necessary and appropriate professional advice before investing.

This document does not constitute any offer, invitation or recommendation to any person to enter into any investment transaction nor does it constitute any prediction of likely future movements in prices of any investment products.

This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

In case of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.