Dah Sing Bank

Terms and Conditions ：
1.	Cardholder (Dah Sing My Melody VISA Principal Card Cardholder) can apply for the Octopus Automatic Add-Value Service for maximum of 3 members aged 12 or above. Dah Sing Bank will charge HK$100 for each Personalized Octopus Card (Including HK$50 for deposit, HK$30 for stored value and HK$20 for non-refundable handling fee) for Octopus Card Limited. The current daily automatic add-value amount is HK$250 or HK$500. There is no application fee for all first time application for the AAVS. For existing users of the AAVS, Octopus Card Limited will charge non-refundable handling fee of HK$20 for transferring the AAVS from one bank to another, or reactivation of the AAVS following suspension. Such fee(s) will be debited from Cardholder's My Melody VISA Card account.
2 .	Bonus Point Scheme – Every HK$1 you spent with your My Melody VISA Card will earn you one Bonus Point. You can earn double bonus points whenever the transaction is made on your birthday. Spending includes retail transactions and Octopus AAVS amount only, excluding cash advance, casino transaction, balance transfer, "Cash-in Plan" Amount, Bill Payment.Net amount, financial charges, handling fees, interest-free installment transaction, and unposted/cancelled/refunded and all unauthorized transactions.
3 .	Successfully apply on or before September 30, 2008, applicants who accumulate retail spending or cash advance of HK$30,000 or above (authorized transaction) within first year from card issuance are eligible for a Medical Check Up for FREE. In case the applicant applies for more than one Principal Card, only ONE Medical Check Up will be offered. The gift redemption letter will be sent to Principal Cardholders within one month upon meeting card spending requirement. Accumulated spending includes retail transactions, cash advance, "Cash In Plan", balance transfer, Bill Payment.Net amount and interest-free installment amount and AAVS amount but not include bank handling fees (including annual fee, finance charges, past-due handling fee, and cash advance charges), casino transaction and unposted/cancelled/refunded and unauthorized transactions. Dah Sing Bank shall not be responsible for any matters relating to the products or services provided.
4 .	To enjoy the offers, Cardholder must present Dah Sing My Melody VISA card upon purchase and settle the payment with the card. For details, please refer to the year-round offer leaflet, which will be sent with the card to cardholder.
5 .	"Cash-in Plan": This plan is only applicable to Principal Cardholder and is only applicable to local personal bank account holder. (Not applicable to joint accounts and supplementary cardholder). No Bonus Point will be awarded for this plan. Dah Sing Bank will charge monthly handling fee equals to 1 % of the approval amount. Please refer to the promotional leaflet for the updated handling fee.
6 .	" Installment" is only applicable to transaction(s) valued at HK$800 (combined transaction applies) or above. All combined transactions must be made under the same Card account. Cardholders must apply at least 10 working days before payment due date of the transaction(s), as printed on the monthly statement (applications apply to transaction(s) made within recent 2 months) and keep the related sales slip as well as the invoice of related merchants for proof. Please refer to the webpage of Dah Sing Bank for the monthly handling fees and related annual interested rates. Dah Sing Bank has the right to accept or reject an installment plan application without the need to provide reasons. In case of any dispute, the decisions of Dah Sing Bank shall be final. This installment plan shall be subjected to the terms and conditions of " Installment" and the related terms and conditions can be downloaded from www.dahsing.com or call 2828 8002 for details.
7 .	Comprehensive E-banking Services: For prepayment with My Melody VISA Card, a service fee of 1% of the payment amount will be charged (It is only applicable to the pre-registered merchants). No Bonus Point will be awarded for the e-banking services. For information of the merchant list, please visit www.dahsing.com.
	The annual interest rate of both retail transactions and cash advance are 23.8%. According to the Net Present Value (NPV) Method specified in the Code of Banking Practice, the Annualized Percentage Rates ("APR") of retail transactions and cash advance are 25.6% and 28.09% respectively. Dah Sing Bank reserves the rights to make the final decision on the approval of Credit Card, Balance Transfer, "Cash-in Plan", "Merchant Installment" and " Installment" Applications. Dah Sing Bank does not warrant the quality of the products and services provided by the participating merchants. The participating merchants shall be solely responsible for all effects and consequences of the products and services. Dah Sing Bank reserves the final rights to amend these terms and conditions at any time without prior notice. In case of any disputes, the decision of Dah Sing Bank shall be final.

Terms and Conditions of My Melody VISA Card Welcome Gift：
1.	Promotional period is from now till 30 September 2008 ("the Promotional Period")
2.	Applicant must not holding My Melody VISA Card and successfully applies My Melody VISA Card issued by Dah Sing Bank ("the Bank") during the promotional period is entitled to 3 years annual fee wavier and other promotional benefits.
3.	My Melody Foldable Chair: It is applicable to the applicant who does not holding My Melody VISA Card and successfully applies My Melody Principal VISA Card during promotional period. Cardholder has to accumulate a retail purchase or cash advance of HK$2,800 or above within first 2 months from the card issuance.
4.	All gifts are applicable to Principal Cardholders only. The redemption letter regarding welcome gift will be sent to the eligible Principal Cardholder within 1 month upon fulfilling the spending requirement and the relevant Credit Card Account must be valid and in good conditions, otherwise Cardholder will not be entitled to the welcome gift.
5.	Supplementary card's spending or cash advance will be counted towards Principal Card Account, the accumulated spending amount include the retail spending, cash advance, "Merchant Installment" amount, "Cash-in Plan", "Happy Tax" Installment Amount, balance transfer amount, Bill Payment. Net amount, Octopus AAVS Amount, excluding bank handling fees (annual fees, financial charges, late fees and cash advance handling fee), casino transaction, unposted / cancelled / refunded and all unauthorized transactions.
6.	If cardholder cancelled the credit card account within 13 months of card issuance, the bank reserves the rights to charge a handling fee for the welcome gift (HK$400 for My Melody Foldable Chair) without any prior notice.
7.	The quantity of above welcome gift is on first come first serve basis while stock lasts. In the event that a gift item is out of stock, the Bank reserves the rights to substitute the welcome gift with another offer. All welcome gifts shall be redeemed with the original redemption letter at the designated redemption centers, photocopies of letter is not acceptable. The welcome gift has to be redeemed within the designated period and invalid if expires. The Bank does not warrant the quality and quantity of the products provided by the merchants. The Bank and the participating merchants reserve the final rights to amend these terms and conditions or terminate the promotion at any time without prior notice.
8.	All matter and disputes will be subjected to the final decision of the Bank and participating merchants. The reference price of welcome gifts quoted at above is for reference only and it is not determined by the Bank. The Bank is not liable for the discrepancy between the reference price and the actual selling price of the welcome gift in the market.
9.	If applicant applies for more than one My Melody VISA card during the promotional period, he / she will only entitled to ONE welcome gift only.