1. The Promotion Period runs from 2 January 2015 to 31 March 2015, 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 January 2014 to 31 December 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, Limited ( 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-Account. Eligible New Customers must have total balance of HK$500,000 or above or equivalent on the date joining VIP Banking, and must also maintain Monthly Average Balance of HK$500,000 or above or equivalent (including all deposits and/ or investments) until 30 May 2015.
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 New Customer/ Existing 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 entitlement to all the relevant rewards of the Eligible New Customer/ Existing Customer 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 offers 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. During the Promotion Period, all VIP Banking Customers, including both Existing Customers and Eligible New Customers should have completed the required New Services ("New Services"), and they will receive a Fortune Lai See, and get an instant gift that specified on the Fortune Lai See at branch.
2. Eligible New Customers must complete one of the below New Services on the date joining VIP Banking¸ and Existing Customers must complete one of the below New Services on the same date during branch visit, the New Services are :
   a. Complete a new "Risk Analysis Questionnaire"; and / or
   b. Provide or update a valid mobile phone number or email address to the Bank for receiving the latest information and offers relating to the products, services and/or subjects set out in paragraph G of the Bank’s Notice to Customers relating to Customers’ Data made available by the Bank to customers from time to time from the Bank. If customer is unwilling to receive the said information and offers, he/she should not participate in this "VIP Banking Fortune Lai See Reward" promotion.
3. Each Customer, irrespective the numbers of VIP Banking by way of single name or joint name that set up or hold with the Bank during the Promotion Period, will only receive Lai See Reward once only. For joint accounts, only the Primary Account Holder of VIP i-Account is entitled to enjoy the Lai See Reward.
4. The Bank is not the supplier of the Gifts or Gift Vouchers, and the use of the Gift Vouchers is subject to the terms and conditions printed on the Gift Vouchers. The Bank 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.
5. The reference retail price and the photos of relevant gift(s) are for reference only. The Bank is not responsible for setting the reference retail price(s). The Bank is not responsible for any difference between the reference retail prices and the actual retail prices available in the market.

1. During the Promotion Period, Eligible New Customers can instantly receive HK$100 Cash Coupon at branch by joining or upgrading to VIP Banking with 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 each Eligible New Customer is entitled to HK$100 Cash Coupon once only.
2. If Eligible New Customer fails to meet the requirements stated above, the Bank reserves the right to withdraw the Welcome Reward without any prior notice.
3. 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.
4. 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 New Customers must bring in New Funds of HK$500,000 or above or equivalent on the date joining or upgrading to VIP Banking during the Promotion Period and 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 December 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



2. Balance Growth Amount is calculated based on the net increase in the Total Balance by comparing the sum of Eligible New Customers’ "Average Daily Total Deposit Balance" and/or "Average Monthly Investment Portfolio Balance" during the corresponding "Reward Counting Period" with the total deposit and/or investment portfolio balance on 31 December 2014. For customer who did not hold any account with the Bank on 31 December 2014, his/her Total Balance on such date will be treated as zero.
3. "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
January 2015	2 January 2015 to 31 March 2015
February 2015	2 February 2015 to 30 April 2015
March 2015	2 March 2015 to 30 May 2015



4. "Average Daily Total Deposit Balance" is counted based on the daily average total balance of all Eligible New Customers’ deposit accounts held with the Bank, including but not limit to HKD, RMB and Foreign Currency Savings Accounts and/or Current Accounts, HKD and/or Foreign Currency Fixed Deposit Accounts, VIP i-Accounts, Target Savings Deposit and Flexi Deposit during Reward Counting Period.
5. "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 New Customers during Reward Counting Period.
6. If Eligible New Customers maintain Foreign Currency Savings and/or Fixed Deposit Account(s), the total balance amount of that Foreign Currency Savings and/or Fixed Deposit Account(s) will be counted double for calculation of HKD equivalent Balance Growth Amount.
7. Each Eligible New 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 New Customers' VIP i-Accounts on or before 30 June 2015.
8. Eligible New 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 New 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 Investment Transaction Rewards, Eligible New Customers must successfully enroll in the designated Wealth Management Services ( "Designated WM Services" ) and fulfill the required subscription amount during Promotion Period.
2. Designated WM Services include Investment Fund, Currency Linked Premium Deposit, Currency Linked Principal Guaranteed Deposit, Currency Switching, Equity Linked Investment and Bond.
3. For details and the relevant terms and conditions of Investment Transaction Rewards of Investment Service and other Investment Services Privileges, please refer to the promotion leaflet of Investment Service Offers or contact the Customer Service Officers at the Investment Service Section of the Bank.

1. For details and the relevant terms and conditions of Securities Services Privileges, please refer to the promotion leaflet of Securities Services Offers or contact the Customer Service Officers at the Investment Service Section of the Bank.
2. Dah Sing VIP Banking Visa Infinite Card Wealth Management Quarterly Supreme Reward ("Supreme Reward"), 2X Bonus Point Offer for Investment and Insurance Services ( "2X Bonus Point Offer") and "Quarterly Reward Offer" :
   For details and the relevant terms and conditions of Supreme Reward, 2X Bonus Point Offer and Quarterly Reward Offer, please refer to the relevant promotion leaflet of Dah Sing VIP Banking Visa Infinite Card or contact your Relationship Manager.
3. For details and the relevant terms and conditions of Bonus Savings Interest Rate up to 2% p.a. of 360° Easy Payroll Services and the latest promotion offers, please refer to the relevant promotion leaflet or visit www.dahsing.com/payroll.
4. For details and the relevant terms and conditions of Welcome Reward of Dah Sing Octopus VIP App Card and the latest promotion offers, please refer to the relevant promotion leaflet or visit www.dahsing.com/appcard.
5. For details and the relevant terms and conditions of Insurance Services and the latest promotion offers, please contact our staff of the Bank.

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 offering documents 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.

Currency Switching
Investment involves risks. You could lose your entire investment. Foreign currency investments are subject to exchange rate fluctuation which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Before making any investment decision, you should consider your investment experience, investment objectives and risk tolerance level and read carefully the relevant product leaflet and relevant offering documents in order to understand the nature of and the risks associated with Currency Switching. The deposit with FX forward contract set up through Currency Switching 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.

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.

Foreign Currency Trading
Investment involves risks. Foreign currency investments are subject to exchange rate fluctuation which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Foreign currency rates of exchange may adversely affect the value, price or income of any security or related investment mentioned in this document. This document does not purport to identify all the risks that may be involved in the product or investments referred to in this document. Before making investment decision, investors should read and understand the offering documents of such products, including but not restricted on the risk disclosure statement and health warning.

Currency Risk Disclosure
Exchange of RMB to HKD or other currencies is subject to currency exchange rate fluctuation. Customers should bear the risk of RMB exchange rate fluctuations which may cause profit or loss if customer chooses to convert RMB to HKD or other currencies. RMB is currently subject to exchange controls imposed by the PRC government, the exchange rate may be easily affected by change in government policies.

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.