本人（等）當得到大新銀行（簡稱“銀行”）之通知時，本人（等）之申請則視作已被接納，而以下條款將生效。
| 1. | 本人（等）將以銀行所同意的月供分期通過銀行指定還款戶口攤還所借之本金或其餘額（簡稱“貸款”）及利息、到期利息、費用、開支、保險費和以下所提及的責任，並授予銀行不可撤銷之權力在還款戶口內扣除還款，但不影響銀行要求全數立即清還的權利。 | |
| 2. | 銀行有權隨時更改貸款利息而每月還款以銀行計法攤分繳付貸款、利息及保險費。 | |
| 3. | 如拖欠還款，貸款及到期利息、保險費和其他費用（包括所有律師費及於追討欠款時銀行所付之費用及開支）將要立刻清還。本人（等）並將支付行政費用由欠款之月息三釐計算或每月伍拾元，取其較高者，由欠款日起計直至還款日為止。 | |
| 4. | 銀行可酌情處理提早還款要求，但本人等須清還所有貸款、積欠利息、人壽保險費用（截至下一個月供分期到期日為止）及付相等於結欠貸款百分之一之款項。 | |
| 5. | 銀行可於任何時間不作另行通知將本人（等）所欠之貸款或利息或保險費與本人（等）於銀行的其他戶口（包括定期存款戶口）合併處理，並以該等戶口的結餘來作對銷或轉賬來償還本人（等）於此所欠之款項。 | |
| 6. | 本人（等）同意銀行及任何銀行向其提供本人（等）任何個人及賬戶資料的人仕（“接收人”）可： | |
| (a) | 向大新金融集團有限公司的任何附屬公司、母公司、相聯公司或聯號公司、其他金融機構、消費咭或信用咭發行公司、為金融機構或信用咭發行公司提供資料交換服務之機構、代理人或組織、收賬公司、代理人、承包商及任何已經或將會與銀行或接收人建立業務關係的人仕透露或索取本人（等）的任何個人及賬戶資料，而上述人仕或機構均可按其業務所需使用有關資料； | |
| (b) | 將本人（等）的所有或任何個人及賬戶資料存放及移轉到任何銀行或接收人認為適合的國家； | |
| (c) | 使用本人（等）的個人及賬戶資料（不論本人（等）之貸款申請已被接納與否）作為考慮本人（等）之貸款申請，向本人（等）提供或推廣銀行或接收人的服務或其他產品、對本人（等）進行核對程序（不論有關核對程序是否為對本人（等）採取不利行動而進行）、或作為維持本人（等）的信貸記錄為現在或將來作參考之用。 | |
| 7. | (a) | 若申請是以聯名而作的，文中的條款及條件將適用於各申請人，聯名及個別情況。 |
| (b) | 銀行可隨時，於通知本人（等）後，更改文中的條款及條件。 | |
| 8. | 意外保險服務的保障細則以大新人壽保險有限公司之保險主單條款為準。 | |
| 9. | 此合約將受香港法律監管。 | |
| （如中文譯本與英文有異，應以英文作準。） | ||
DAH SING DREAM CAR MONEY
TERMS AND CONDITIONS
My/Our application is deemed to have been accepted by Dah Sing Bank, Limited ("the Bank") on my/our being notified by the Bank. Once accepted, the following terms will apply-
| 1. | I/We shall repay the principal amount advanced or the balance then remaining ("the Loan") together with interest, accrued interest, charges, expenses, premium or other liabilities hereinafter mentioned, by the number of monthly instalments agreed to by the Bank and through the repayment account and irrevocably authorise the Bank to debit the repayment account for instalment repayment subject however to full repayment on demand. | |
| 2. | Interest shall be subject to fluctuation at the Bank's sole discretion and the monthly repayments shall be apportioned between the Loan, interest and insurance premium in such manner as the Bank thinks fit. | |
| 3. | On default in payment, the Loan with accrued interest, insurance premium and other charges (including legal costs and expenses in enforcing the terms hereof) shall become immediately due and payable. An administrative charge at 3% per month on instalment arrears or HK$50.00 per month whichever is higher, shall be payable from the due date to the date of actual payment. | |
| 4. | Early repayment will be permitted only on such terms as the Bank may at its absolute discretion decide and subject to repayment of the Loan, accrued interest, credit life insurance premium due up to and including the day of the next monthly instalment payment plus 1% on outstanding loan amount. | |
| 5. | The Bank may at any time, without notice, combine or consolidate any outstanding Loan or interest or insurance premium with any accounts which I/we maintain with the Bank (including deposit accounts) and set off or transfer any money standing to the credit of such accounts in or towards satisfaction of my/our liability hereunder. | |
| 6. | The Bank and any person to whom the Bank has disclosed any of my/our personal and account information (the "Recipient") may- | |
| (a) | obtain from or disclose to Dah Sing Financial Holdings Ltd. or any of its subsidiaries, holding company, associated companies or affiliates, other financial institutions, charge or credit card issuers and associations, credit information bureaux which provide information exchange and other services, collection agencies, agents, contractors and any person who proposes to or has established any business relationship with the Bank or any Recipient my/our personal and account information and any such persons may utilize such information in the course of their business; | |
| (b) | keep and transfer all or any of my/our personal and account information in or to any country as the Bank or the Recipient may consider appropriate; and | |
| (c) | use my/our personal and account information collected before or after accepting my/our application for the purposes of considering my/our application, providing or promoting, services or other products made available by the Bank or the Recipient, carrying out matching procedure whether for the purpose of taking adverse action against me/us or not, or maintaining my/our credit history for present or future reference. | |
| 7. | (a) | Where the application is made in joint names, these terms and conditions shall apply to each applicant jointly and severally. |
| (b) | These terms and conditions may be altered from time to time by the Bank upon notice to me/us. | |
| 8. | The Accidental Death Insurance is governed by the Master Policy issued by Dah Sing Life Assurance Co., Ltd. | |
| 9. | This agreement shall be governed by the laws of Hong Kong. | |