Terms and Conditions of Offers:
1. All offers are valid until 31 December 2008. 2. First time subscription offers are applicable to customers who subscribe to the relevant products for the first time since joining the Dah Sing VIP Banking. 3. 1-month HKD Fixed Deposit Rate + 6%p.a. offer is applicable to customers who subscribe to investment funds with amount equivalent to HK$10,000 or more per transaction. The maximum fixed deposit amount is the subscription amount of investment funds. The fixed deposit must be new funds. New funds refer to funds which are not transferred from Dah Sing Bank or MEVAS Bank. The interest rate for subsequent renewals of fixed deposits will follow the prevailing interest rate offered by Dah Sing Bank. 4. Cash coupons are available while quantities last. Cash coupons cannot be exchanged / redeemed / refunded for cash. The Bank shall assume no liability in respect of the use of cash coupons and the quality of the products or the services provided by relevant merchants.. 5. The HKD Fixed Deposit Board Rate + 0.5%p.a. offer is subject to a maximum of 1-month HKD HIBOR. This offer is applicable to new funds only. New funds refer to funds which are not transferred from Dah Sing Bank or MEVAS Bank. The minimum amount of Fixed Deposit is HK$100,000. The interest rate for subsequent renewals of fixed deposits will follow the prevailing interest rate offered by Dah Sing Bank. 6. The offer is applicable to online eIPO applications, which are processed through Dah Sing i-Securities Service. Customers are required to pay the application fee in advance (HK$100 per transaction). The waived amount will be reimbursed to customers securities settlement account in the following month of the successful list date of the IPO stock. To enjoy application fee waiver offer, customers must maintain valid relevant securities account, settlement account and Dah Sing VIP Banking Account on the Reimbursement Date. 7. Customers have to apply for 1000 quotes of online realtime snapshot stock quote service and pay monthly fee (HK$90) in advance. The waived amount will be reimbursed to customers securities settlement account in the following month. The deadline of application for this offer is 31 December 2008 while the monthly fee waiver is valid until 31 January 2009. After the promotion period, this service will be charged at original price (HK$90 per month). For details of the service, please refer to the particular terms and conditions. To enjoy service charge waiver offer, customers must maintain valid relevant securities account, settlement account and Dah Sing VIP Banking Account on the Reimbursement Date. 8. Please contact any branch of Dah Sing Bank for details of the Mortgage Services offers. 9. The "ProperSure" household contents policy will not be effective until the application is accepted by Dah Sing General Insurance Company Limited. Premium will be debited from Dah Sing VIP i-Account at the fourth month after the policy is incepted. Customers could also choose to pay the premium by monthly payment using Dah Sing Credit Card. The policy will be renewed automatically on annual basis. The offer is applicable only to the applicants who apply the policy via any branch of Dah Sing Bank or Customer Service Hotline. The offer is not applicable to the applicants who currently hold, renew and/or in the past 6 months have held the "ProperSure" household contents policy of Dah Sing General Insurance. For details of the coverage, terms and conditions of the policy, please call Dah Sing General Insurance Customer Service Hotline: 2921 6209. 10. If customer ceases to be a VIP Banking customer, Dah Sing Bank shall reserve the right to charge the annual fee of the VIP Platinum VISA without prior notice. 11. Principal cardholders are entitled to HK$100 Free Spending Credit upon successful application of VIP Platinum VISA. Each principal applicant can only apply one VIP Platinum VISA and is entitled to the welcome offer ONCE only. 12. The offers cannot be used in conjunction with other offers of related services. Dah Sing Bank and Dah Sing General Insurance Company Limited reserve the right to amend the terms and conditions without prior notice. If there are any disputes, the decision of Dah Sing Bank and Dah Sing General Insurance Company Limited shall be final.

Investment involves risks. Please refer to the offering documents of respective products prior to making any investment decisions.