1. The Promotion Period runs from 1 April 2014 to 30 June 2014, both dates inclusive ( the "Promotion Period" ).
2. "Existing Customers" refer to existing VIP Banking customers (either in single name or joint name) who are already the Primary Account Holders of VIP i-Accounts prior to the Promotion Period and carry valid VIP Banking status and VIP i-Accounts during the Promotion Period.
3. "New Customers" refer to customers who did not maintain or cancel VIP Banking or Hello Kitty VIP Banking (either in single name or joint name) from 1 April 2013 to 31 March 2014. For joint name account, the New Customers must be the Primary Account Holders of VIP i-Accounts.
4. "New Funds" refer to funds which are newly deposited by New Customers in cash, using a cheque drawn on other bank, inward CHATS or Telegraphic Transfer but excluding fund transfer from the existing Dah Sing Bank ( the"Bank") accounts. Transfer-in amount of Investment Funds, Bonds and Stocks to the Bank will also be treated as New Funds. In case of any disputes in relation to the definition of new funds, the decision of the Bank shall be final.
5. "Monthly Average Balance" refers to the monthly average of all balances of deposit accounts, VIP i-Accounts, latest market value of investment accounts and cash value of life insurance accounts.
6. "Eligible Customers" refers to New Customers who newly open or upgrade to VIP Banking either in single name or joint name during the Promotion Period, and must be the Primary Account Holders of VIP i-Accounts. And Eligible Customers must maintain HK$500,000 or above or equivalent ( including all deposits and/or investments) until 31 August 2014.
7. The minimum Monthly Average Balance requirement of 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 the Bank.
8. If the Eligible Customer terminates or downgrades his/her VIP Banking, or cancels his/her VIP i-Account, on or before the Promotion Period or the date when all rewards are credited to his/her VIP i-Account, or if he/she does not fulfill the relevant requirements mentioned in Sections B, C, D, E and F below, the Eligible Customers’entitlement to all the relevant rewards will be forfeited.
9. For joint accounts, only the Primary Account Holder is entitled to enjoy all the offers and rewards.
10. All the offers and rewards are not applicable to Hello Kitty VIP Banking.
11. All the offers and rewards are not for sale/resale, non-transferable and non-exchangeable for cash, other products, services or discounts offers. Unless specially specified, all promotion offers cannot be used in conjunction with other offers of relevant services provided by the Bank. If customers are entitled to the offer in conjunction with other promotional offer(s), the Bank reserves the right to grant the customer one of or part of the entitled offer only.
12. All the offers and rewards are not applicable to the staff of Dah Sing Financial Group and its affiliates.
13. The Bank reserves the right to change, suspend and/or discontinue all the promotion offers and the relevant terms and conditions without prior notice, and reserves the right of final decision in case of any dispute arisen.
14. If there are any disputes, the decision of the Bank on all matters shall be final and conclusive.
15. In case of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

1. To receive the Welcome Reward, Eligible Customers must fulfill either one of the following required New Services ("New Services") or all New Services during the Promotion Period :
   a. Have Total Balance of HK$500,000 or above or equivalent on the date joining or upgrading to VIP Banking, and must maintain this Total Balance and valid VIP Banking status for 3 consecutive months ; and/or
   b. Complete a new "Risk Analysis Questionnaire" within 2 weeks after the date joining or upgrading VIP Banking ; and/or
   c.Set up a new Securities Account ( Eligible Customers are required to have no single name or joint name Securities Account from 1 April 2013 to 31 March 2014 ); and/or
   d. Provide or update a valid email address on the date opening new or upgrading VIP Banking (Customers should refer to the Bank’s latest "Notice to Customers relating to Customers’ Data" on the kinds of personal data which may be used in direct marketing and the classes of persons to which customers’ personal data may be provided for them to use in direct marketing ).
2. For Eligible Customers who fulfilled the New Service "a" will be rewarded with HK$100 Cash Coupon on the joining date of VIP Banking Service. And the Cash Coupon will be given to Eligible Customers at branch. And each Eligible Customer is entitled to HK$100 Cash Coupon once only.
3. For Eligible Customers who fulfilled the New Service "b" to "d" will be rewarded with HK$100 Cash Reward as Welcome Reward when successfully completed every one of the New Services, and the cap is HK$300 Cash Reward. And each Eligible Customer is entitled to Welcome Reward for each New Service once only.
4. If Eligible Customer fails to meet the requirements stated above, the Bank reserves the right to withdraw the Welcome Reward without any prior notice.
5. The Welcome Reward will be credited to Eligible Customers' VIP i-Accounts on or before 30 September 2014. Eligible Customers’ VIP Banking and VIP i-Accounts must remain valid at the time when the Welcome Reward is being credited. If Customers fail to meet the requirement, the Bank reserves the right to withdraw the Welcome Reward without any prior notice.
6. If the Cash Coupons are out of stock or if any issue arisen, the Bank reserves the right to offer an alternative gift with similar value as replacement without prior notice to the relevant customers.
7. The use of the Cash Coupons is subject to the terms and conditions printed on the Cash Coupons. The Bank is not the supplier of the Cash Coupons and will not be held liable for the quality of the goods and services provided by the supplier. Please direct to the relevant supplier for any enquiry.

1. To enjoy the Balance Growth Reward, Eligible Customers must bring in New Funds of HK$500,000 or above or equivalent from the date joining or upgrading to VIP Banking during the Promotion Period and fulfill designated requirements.
2. Eligible Customers must maintain the required Balance Growth Amount as stated below during the "Reward Counting Period"in order to enjoy the Balance Growth Reward :



Balance Growth Amount ( HK$ or equivalent ) Benchmark against the Total Balance on 31 March 2014	Balance Growth Reward
HK$500,000 to HK$1,000,000 or below	HK$ 100 Cash Reward
HK$1,000,000 to HK$3,000,000 or below	HK$ 250 Cash Reward
HK$3,000,000 to HK$5,000,000 or below	HK$ 600 Cash Reward
HK$5,000,000 or above	HK$1,000 Cash Reward



3. Balance Growth Amount is calculated based on the net increase in the New Funds Total Balance by comparing the sum of Eligible Customers’ "Average Daily Total Deposit Balance" and/or "Average Monthly Investment Portfolio Balance"during the "Reward Counting Period" after joining VIP Banking with the total deposit and/or investment portfolio balance on 31 March 2014. For customer who did not hold any account with the Bank on 31 March 2014, his/her Total Balance on such date will be treated as zero.
4. "Reward Counting Period" means the period counting from the month joining VIP Banking and lasting for three consecutive months.



Join Month of VIP Banking	Reward Counting Period
April 2014	1 April 2014 to 30 June 2014
May 2014	1 May 2014 to 31 July 2014
June 2014	1 June 2014 to 31 August 2014



5. "Average Daily Total Deposit Balance" is counted based on the daily average total balance of all Eligible Customers’deposit accounts held with the Bank, including but not limit to HKD, RMB and Multi-currency Savings Accounts and/or Current Accounts, Time Deposit Accounts, VIP i-Accounts, Target Savings Deposit and Flexi Deposit during Reward Counting Period.
6. "Average Monthly Investment Portfolio Balance" refers to the monthly average total balance of the latest market value of investment accounts and cash value of insurance accounts maintained by Eligible Customers during Reward Counting Period.
7. Each Eligible Customer is entitled to Balance Growth Reward once only and the cap is HK$1,000 Cash Reward. Balance Growth Reward will be credited to Eligible Customers' VIP i-Accounts on or before 30 September 2014.
8. Eligible Customers have to maintain the VIP Banking status and required Balance Growth Amount during Reward Counting Period after joining VIP Banking, otherwise they will not be entitled to receive the Balance Growth Reward.
9. Eligible Customers’VIP Banking status and VIP i-Accounts must remain valid at the time when the Balance Growth Reward is being credited. If Customers fail to meet the requirement, the Bank reserves the right to withdraw the Balance Growth Reward without any prior notice.

1. To enjoy the Incremental Investment Reward, all Existing Customers and New Customers ( "Eligible VIP Banking Customers" ) must successfully enroll in the designated Wealth Management Services ( "Designated WM Services" ) and fulfill the below required Incremental Investment Amount during Promotion Period :

Incremental Investment Amount( HK$ or equivalent )	Incremental Investment Reward
HK$500,000 to HK$1,000,000 or below	HK$ 100 Cash Reward
HK$1,000,000 to HK$3,000,000 or below	HK$ 300 Cash Reward
HK$3,000,000 above	HK$ 1,000 Cash Reward

Designated WM Services include Investment Fund, Bond, Equity Linked Investment, Currency Linked Principal Guaranteed Deposit and Currency Linked Premium Deposit.

2. The calculation of Incremental Investment Amount of each Designated WM Service will be defined as below :
   a. Investment Fund
   Comparing Eligible VIP Banking Customers’ Total Subscription Amount against Total Redemption Amount during the Promotion Period. Fund transfer-in and subscription transaction of Investment Funds Saving Plan are excluded from calculation.
   b. Bond
   Comparing Eligible VIP Banking Customers’ Total Subscription Amount against Total Sell Amount during the Promotion Period.
   c. Equity Linked Investment ("ELI")
   Comparing Eligible VIP Banking Customers’ Total Subscription Amount against Total Early-Called and/or Matured Amount during the Promotion Period.
   d. Currency Linked Principal Guaranteed Deposit ("CLPGD")
   Growth Amount of the monthly average total aggregated transaction amount of CLPGD of Eligible VIP Banking Customers during the Promotion Period against their total balance of CLPGD on 31 March 2014（the "Base"）. If customers’ total balance CLPGD was zero on 31 March 2014,their latest month-end total balance of CLPGD since June 2013, which is non-zero, will beused for the calculation of Incremental Investment Amount.If their month-end total balance of CLPGD remained zero since June 2013, the Base for the calculation of Incremental Investment Amount will be set as zero.
   e. Currency Linked Premium Deposit ("CLPD")
   Growth Amount of the monthly average total aggregated transaction amount of CLPD of Eligible VIP Banking Customers during the Promotion Period against their total balance of CLPD on 31 March 2014（the "Base"）. If customers’ total balance CLPD was zero on 31 March 2014, their latest month-end total balance of CLPD since June 2013, which is non-zero, will be used for the calculation of Incremental Investment Amount. If their month-end total balance of CLPD remained zero since June 2013, the Base for the calculation of Incremental Investment Amount will be set as zero.Tenor less than 1 month of CLPD will not be counted for Incremental Investment Amount.
   f. The total sum of the Incremental Investment Amount of the above item "a" to "e" will be used for the calculation of Incremental Investment Reward for Eligible VIP Banking Customers.
   

Example Illustration: Mr X is an existing VIP Banking customer, below are his investment transaction records during Promotion Period:

Transaction Date	Wealth Management Service	Transaction Record	Transaction Amount
31 March 2014	CLPGD	Balance	HK$50,000	A
15 April 2014	Investment Fund	Subscription	HK$1,000,000	B
25 April 2014	CLPGD	Subscription	HK$800,000	C
19 May 2014	Investment Fund	Sell	HK$100,000	D
4 June 2014	Bond	Subscription	HK$500,000	E

Based on calculation requirement of the item "a" to "e" listed，the Incremental Investment Amount for Mr X during the Promotion Period is : { HK$1,000,000 (B) ﹣HK$100,000(D)} + {HK$800,000(C)/3 ﹣HK$50,000(A)} + HK$500,000(E) = HK$1,616,666 Therefore，Mr X is entitled to get HK$300 Incremental Investment Reward at the end.

3. If the relevant transaction amount of Designated WM Services is in currency other than HK dollar, the transaction amount will be exchanged into HK dollar based on the corresponding foreign exchange rate determined by the Bank for calculating the Incremental Investment Amount for the Incremental Investment Reward.
4. Each Eligible VIP Banking Customer is entitled to the Incremental Investment Reward once only and the cap is HK$1,000 Cash Reward.
5. The Incremental Investment Reward will be credited to Eligible VIP Banking Customers' VIP i-Accounts on or before 30 September 2014. Eligible VIP Banking Customers’ VIP Banking status and VIP i-Accounts must remain valid at the time when the Incremental Investment Reward is being credited. If Eligible VIP Banking Customers fail to meet the requirement, the Bank reserves the right to withdraw the Incremental Investment Reward without any prior notice.
6. For the details of Investment Fund, Bond, ELI, CLPGD and CLPD, please contact the staff at Investment Services Section of the Bank.

1. For details and the relevant terms and conditions of Investment Service Privileges and Securities Services Privileges, please refer to the promotion leaflet of Investment Service Offers and Securities Services Offers respectively or contact the Customer Service Officers at the Investment Service Section of the Bank.

1. Dah Sing VIP Banking Visa Infinite Card Welcome Offer ("Welcome Offer") and Wealth Management Quarterly Supreme Reward ("Supreme Reward")
   a. For details and the relevant terms and conditions of Welcome Offer and Supreme Reward,please refer to the relevant promotion leaflet of Dah Sing VIP Banking Visa Infinite Card or contact your Relationship Manager.
2. For the details and the relevant terms and conditions of Bonus Savings Rate up to 1.6% p.a. of 360°Easy Payroll Services and the latest promotion offers, please refer of the relevant promotion leaflet or visit www.dahsing.com/payroll.
3. For the details and the relevant terms and conditions of Auto Finance Service and the latest promotion offers, please refer of the relevant promotion leaflet and call our Hotline at 2598 6111.

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 Service 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.

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.

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.

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.