Dah Sing Bank, Limited

The promotion period is valid from now until 15 October 2011 (the 'Promotion Period').
On the assumption of a HK$950,000 loan amount, with a monthly flat rate applicable to a selected customer of 0.159%, and a 12-month loan tenor, the annualised percentage rate including the first-month Payment Holiday is 3.08%. The offer is applicable to selected customers only. For details of one-month payment holiday and selected customers, please refer to points (6) and (12).
Assume the total loan amount of Express Money Instalment loan is HK$950,000, a monthly flat rate of 0.159% and a month of 30 days, the daily interest for HK$10,000 loan amount is approximately HK$0.5 (rounded to the nearest one decimal place). The offer is applicable to selected customers only. For details of selected customers, please refer to points (12).
The 'HK$100 Cash Rebate' is only applicable to customers who successfully apply for and drawdown an Express Money account during the Promotion Period and use Dah Sing Bank ("the Bank") account for loan repayment (not applicable to FlexiMoney Overdraft facility accounts / joint-name accounts) ('Cash Rebate').
The Cash Rebate will be credited to eligible customers' repayment accounts on or before 31 January 2012. To enjoy the Cash Rebate, customers' Express Money accounts must be valid on the Cash Rewards and/or Cash Rebate date. They must maintain good repayment records and make no early settlement upon fulfilment. Customers who make an early settlement during the repayment period will be subject to an Early Settlement Handling Fee and refund of the full Cash Rebate amount.
Customers who successfully apply for and drawdown an Express Money account during the Promotion Period may enjoy a first-month payment holiday ('Payment Holiday'). The first instalment date will be deferred after the payment holiday period (i.e. the first repayment will be effective starting from 2 months upon loan drawdown), and thus the whole loan tenor will be extended for one month accordingly (e.g. for loan drawdown on 9 September 2011, the first repayment date will be 9 November 2011). The repayment date of individual customers may vary. If customers redeem the loan early, the Bank will charge the Early Settlement Handling Fee, outstanding principal and the accrued interest of the month as usual. The Bank reserves the right to amend the Early Settlement Handling Fee. For details of the latest fees and charges, please refer to the "Bank Service Charges" or contact the Bank's staff.

An instantly pre-approved loan amount service ('the Service') is available to phone-in or walk-in customers who submit loan applications at the following times and provide the required documents upon application. No prior notice will be given if there is any change to the Service available times.

	Service hours of Instantly approved loan amount
Branch	Monday – Friday 9:00am – 5:00pm; and Saturday 9:00am – 12:00 noon
Telephone Hotline	Monday – Friday 9:00am – 8:00pm; and Saturday 9:00am – 12:00 noon

No prior notice will be given if there is any change on the Service available time. The Bank may not offer the Service if customers do not provide the required documents or the loan applications do not fulfil the approval requirements of the Service. The instantly approved loan amount is for reference only. The Bank reserves the final right to make a decision on the final approval result of the loan amount and to terminate or to amend the Service at anytime.

The "30-Minute Approval and Disbursement" is applicable only to phone-in or walk-in customers who submit all of the required documents on the application date. The process starts from the moment that Dah Sing Bank staff confirm receipt of all the required documents and information with the customers. The application should comply with the general loan approval procedures of the Bank and should not exceed a loan amount of HK$100,000. Customers should choose to draw their loan at branches. This service is available from 9:00 am to 5:00 pm Monday to Friday and from 9:00 am to 12:00 noon on Saturdays, which may be subject to change according to the actual circumstances.
A loan amount of HK$300,000 or above is available only to property owners or preferential customers of the Bank, including civil servants, professionals, the staff of selected government organisations / public organisations, full-time teachers, staff of tertiary institutions / universities and Dah Sing VIP Banking Customers.
A loan tenor of 49 months or above is available only to property owners. It is not on its own merits available to new job starters.

New job starter applicants must be aged from 18 to 30 and must be currently employed. The employment period must be within 6 months. The loan amount is up to HK$50,000.

Loan Amount (HK$)	Monthly Flat Rate	*Annualized percentage rate
$20,000 - $50,000	0.5%	11.48%
$5,000 - $19,999	0.5%	11.62%

* The example is for reference only, and the annualised percentage rates ("APR") are calculated according to the Code of Banking Practice. This is subject to a 12-month loan tenor and loan amounts of HK$35,000 and HK$12,500. The APR is rounded to the nearest two decimal places and may vary for individual customers. The first-month Payment Holiday offer is not applicable to new job starters.

The definitions of selected customers ('Selected Customers') who are entitled to enjoy the interest rate offer are: 1) The Bank's payroll-service customers between 1 March 2011 and 26 August 2011; 2) The Bank's existing mortgage-loan customers as of 26 August 2011; 3) Existing Dah Sing VIP Banking customers who maintain their Dah Sing VIP Banking Account on the disbursement date; 4) Customers who apply for an Express Money account and become a VIP Banking Customer (with a total of HK$500,000 or above in their deposit and investment portfolio); 5) Customers in the following occupations: civil servants, staff of selected government organisations / public organisations, professionals, full-time teachers or staff of tertiary institutions / universities. Professionals include chartered / certified accountants, chartered architects, chartered engineers, lawyers, doctors and chartered surveyors. The Bank reserves the final right to interpret the definition of professional occupation. To enjoy the interest rate offer, customers of the above-mentioned occupations must present proof of the relevant occupation upon application.
The example is for reference only and the daily interest expenses are rounded to the nearest one decimal place. The daily interest expenses are calculated according to the Code of Banking Practice, subject to a HK$10,000 loan amount and a month of 30 days. The daily interest expense will be rounded to the nearest one decimal place and may vary for individual customers.
The example is for reference only, and the APRs which include the First-Month Payment Holiday offer are calculated according to the Code of Banking Practice. This is subject to a 12-month loan tenor and loan amounts of HK$950,000, HK$700,000, HK$350,000, HK$125,000, HK$35,000 and HK$12,500. The APR is rounded to the nearest two decimal places and may vary for individual customers.
The example is for reference only and the monthly repayment amounts are rounded to the nearest integer. The monthly repayment amounts are calculated according to the Code of Banking Practice, subject to a 12-month loan tenor and a HK$10,000 loan amount. The monthly repayment amount will be debited every month from the repayment account on the due date and will be rounded to the nearest integer. The monthly repayment amounts may vary for individual customers.
The Bank reserves the right to terminate the above offers or to amend their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final.