大新銀行
 
Terms and Conditions:
  1. The promotion period is from 7 July to 31 December 2014 (both days inclusive) ("Promotion Period").
Terms and Conditions for the Fixed Deposit Offer:
  1. The HKD fixed deposit rate of 1.6% p.a. and USD fixed deposit rate of 1.4% p.a. are provided for reference only, and were quoted by Dah Sing Bank, Limited (the "Bank”) on 5 August 2014 for a 12-month fixed deposit, in HKD and USD respectively, set up with New Funds of HK$5,000,000 or above by a VIP Banking customer. The actual HKD/USD fixed deposit rate (p.a.) applicable to customers may vary due to the market conditions at the time, and will be subject to the prevailing interest rate (p.a.) quoted by the Bank at the time when the relevant fixed deposit is set up with the Bank. The interest rate applicable to the relevant fixed deposit upon renewal will be determined by the prevailing interest rate quoted by the Bank at the time. For details, please check with our customer service officer. Upon maturity of the USD fixed deposit, if it is converted by customer from the USD into the HKD, a gain or loss in the deposit amount may result due to fluctuations in the exchange rate at the time.
  2. The Fixed Deposit Offer is only applicable to New Deposit Customers who open a YOU Banking Account or VIP i-Account with New Funds (for the definition, please refer to Clause 6) of at least HK$10,000 (or equivalent in foreign currencies), and set up a HKD/USD fixed deposit account with the required tenor and deposit amount, at our Kennedy Town Branch during the Promotion Period. The minimum deposit amount and tenor is HK$100,000 (or equivalent in foreign currencies) and one month for such fixed deposit. YOU Banking Account and VIP i-Account are subject to relevant terms and conditions. For details, please refer to the relevant promotion leaflets and the booklet of "Bank Service Charges” of the Bank.
  3. New Deposit Customers are defined as customers who did not maintain any Savings, Checking, Fixed Deposit and/or Call Deposit Account (including sole- and joint-named accounts) with the Bank during the month preceding the account opening date.
  4. The Fixed Deposit Offer is not applicable to HKD/USD Fixed Deposit Accounts opened via our eBanking Service or Phone Banking Service.
  5. "New Funds” refers to funds newly deposited with the Bank in cash, using a cheque drawn on other bank, inward CHATS or Telegraphic Transfer but excluding funds transfer from an existing account with the Bank. In case of any disputes in relation to the definition of new funds, the decision of the Bank shall be final.
Terms and Conditions for the Account Opening Offer:
  1. (i) To be entitled to the instant Special Welcome gift, customers must open a new Savings/Checking Account by depositing the required New Funds specified below on the same day at our Kennedy Town Branch during the Promotion Period.

    Deposit Amount Special Welcome Gift Value
    HK$10,000 – below HK$100,000 or equivalent in foreign currencies Gift 1: HK$100
    HK$100,000 or above or equivalent in foreign currencies and maintain such balance for 1 month Gift 2: HK$880
    (ii) Customers who choose Gift 2 must authorise, and give consent to, the Bank to withhold a deposit amount of HK$100,000 in the newly opened Savings/Checking Account for a period of 1 month. Where a customer who has obtained the gift cancels the relevant account or withdraws or transfers out of the account, in part or in whole, the aforementioned funds within one month of account opening, the Bank has the right to deduct HK$880 as the handling fee, without prior notice, from the relevant account opened by such customer.
    (iii) This offer may not be used in conjunction with the VIP Banking Welcome Rewards.
  1. "New Savings/Checking Account” refers to a Savings/Checking Account opened at our Kennedy Town Branch during the Promotion Period by a customer who did not maintain/cancel any Savings/Checking Account in the same name with the Bank during the month preceding the account opening date.
  2. During the Promotion Period, each customer will only be entitled to one Special Welcome Gift. For joint-named accounts, only the Primary Account Holder may be entitled to the Special Welcome Gift. "Primary Account Holder” refers to the "Applicant” mentioned in New Account(s) / Service(s) Application Form signed by the customer.
Terms and Conditions for the 328 SME Banking Offer:
  1. During the Promotion Period, customer who successfully opens a 328 Business Account through our Kennedy Town Branch with New Funds of HK$50,000 or above will be instantly rewarded with HK$200 cash coupons. Besides, customer who submits the SME Loan application form with all the required documents specified thereon will be instantly rewarded with HK$200 cash coupons. Each corporate customer will be rewarded with a maximum of HK$400 cash coupons under the 328 SME Banking Offer.
  2. 328 Business Account and 328 SME Loan are subject to relevant terms and conditions. Please refer to the relevant promotion leaflet for details.
Terms and Conditions for the Dah Sing Credit Card Welcome Offer:
  1. Customers will receive a UA Cinemas movie ticket upon application for the Dah Sing ONE+ Credit Card with all the relevant supporting documents submitted at our Kennedy Town Branch within the Promotion Period.
  2. Dah Sing ONE+ Credit Card is subject to relevant terms and conditions. For details of the fees, terms and conditions, please refer to the relevant application form or contact our branch staff.
Terms and Conditions for the VIP Banking Welcome Rewards:
  1. The minimum Monthly Average Balance requirement of VIP Banking is HK$500,000 or above or equivalent in foreign currencies (including all deposits and/ or investments). If the Average Daily Balance of the 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.
  2. The VIP Banking Welcome Rewards ("Welcome Rewards” ) are only applicable to customers who newly open or upgrade to VIP Banking at our Kennedy Town Branch during the Promotion Period ( "New Customers” ), and are not applicable to Hello Kitty VIP Banking customers. New Customers must not have maintained or canceled a VIP Banking or Hello Kitty VIP Banking account, either in sole or joint name, from 7 July 2013 to 6 July 2014. For joint-named accounts, New Customers must be the Primary Account Holders of the VIP i-Accounts, in order to be entitled to the Welcome Rewards. "Primary Account Holder” refers to the "Applicant” mentioned in New Account(s) / Service(s) Application Form signed by the customer.
  3. A New Customer who enrolls in any one of the designated Wealth Management Services (for the definition, please refer to Clause 17) and maintains his/her VIP Banking with a Monthly Average Deposit and/or Investment Portfolio Balance of HK$1,000,000 or above or equivalent in foreign currencies till 31 January 2015, will be eligible for a 24K Gold-plated Wealth Cat.
  4. Designated Wealth Management Services include i) lump sum subscription for any Investment Fund; ii) setting up Currency Linked Premium Deposit ( "CLPD” ); iii) setting up Equity Linked Investment ( "ELI” ); iv) setting up Currency Linked Principal Guaranteed Deposit ( "CLPGD” ); v) subscription for any Bond. New Customers should maintain the relevant Monthly Average Deposit and/or Investment Portfolio Balance till 31 January 2015; otherwise, they will not be eligible for the Welcome Rewards. For the details of Investment Funds, CLPD, ELI, CLPGD and Bonds, please contact the staff at the Investment Services Section of the Bank.
  5. The Bank will notify eligible customers by mail on or before 31 March 2015 for gift redemption.
  6. Each New Customer and each newly opened or upgraded VIP i-Account will only be entitled to the Welcome Rewards once.
  7. Unless otherwise specified, the above offers cannot be used in conjunction with other offers of relevant services provided by the Bank. If a customer is entitled to enjoy the offers in conjunction with other promotional offer(s), the Bank reserves the right to grant exemption on a part or parcel basis.
  8. The Bank reserves the right to terminate and amend the above offers, rates, fees and charges and the relevant terms and conditions without prior notice. If there are any disputes, the decision of the Bank shall be conclusive.
Terms and Conditions for Other Banking Service Offers:
  1. Customer can enjoy a HK$100 cash coupon upon application for a personal loan by submitting all the required documents to our Kennedy Town Branch during the Promotion Period. Personal loan service is subject to relevant terms and conditions. For details, please refer to the relevant promotion leaflet.
  2. Customer can enjoy HK$500 cash coupons upon application for the mortgage service by submitting an HKID copy, completed and signed Mortgage Loan Application Form, income proof, address proof, sales and purchase agreement (if applicable) to our Kennedy Town Branch during the Promotion Period. Each customer is only entitled to the cash coupon once. Terms and conditions apply to the offer. For details of the cash rebate, mortgage interest rate and other offers, please contact the Bank’s staff.
  3. Customers who open a New Securities Account at our Kennedy Town Branch during the Promotion Period can enjoy an additional gift instantly. New Securities Account refers to a Securities Account opened, at our Kennedy Town Branch, for the first time by a customer who did not maintain any Securities Account (whether in the customer's sole or joint-name with other person(s)) with the Bank from 1 January 2014 to 30 June 2014.
General Terms and Conditions:
  1. The abovementioned gifts are only available on a first-come-first-served basis while stocks last. The Bank reserves the right to offer an alternative gift for replacement without prior notice, if the relevant gift is out of stock. The price and nature of such alternatives may not be the same as the relevant gift provided in this promotion. The gifts cannot be redeemed for cash or discounts and are non-transferable. The Bank is not the supplier of the above gifts and makes no representations or guarantees as to the quality of the gifts provided by the suppliers. Any enquiry, dispute or complaint in respect of the gifts should be directed to the relevant supplier(s).
  2. The Bank reserves the right to suspend or terminate the above offers or amend these terms and conditions without prior notice. In the case of any dispute, the decision of the Bank shall be final and conclusive.
  3. These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong.
  4. Should there be any discrepancy between the Chinese and English versions of these terms and conditions, the English version shall prevail.
Important Notes:

Securities Services
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 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.

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.

Securities, Investment Fund, Currency Linked Premium Deposit, Currency Linked Principal Guaranteed Deposit, Equity Linked Investment and Bond are investment products. Some Investment Funds, Currency Linked Premium Deposit, Currency Linked Principal Guaranteed Deposit, Equity Linked Investment and some Bonds are structured products involving derivatives. This investment decision is yours but you should not invest in this product unless the Bank has explained to you that this product is suitable for you having regard to your financial situation, investment experience and investment objectives.
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.
Should there be any discrepancy between the Chinese and English version of these terms and conditions, the English version shall prevail.