Promotion Period is from now on to 22 September 2012 ("Promotion Period").

Samsung GALAXY SIII or up to HK$3,000 Cash Rebate are only applicable to customers who successfully apply for and drawdown an e-Cash Instalment Loan during the Promotion Period with details as follows:

Tenor	Cash Rebate/ Gift
6-36 months	Cash Rebate of HK$100
37-59 months And 60 months (Loan amount less than HK$80,000)	Up to HK$1,500 Cash Rebate, Cash Rebate equals to one month interest, calculated as [loan amount x monthly flat rate] (minimum HK$100, maximum HK$1,500).
60 months (Loan amount equal to or more than HK$80,000)	Up to HK$3,000 Cash Rebate, Cash Rebate equals to two months interest, calculated as [loan amount x monthly flat rate x 2] (minimum HK$100, maximum HK$3,000) OR Samsung GALAXY SIII (reference price: HK$5,598) ("Gift").

To enjoy the Cash Rebate or Gift, customers' e-Cash Instalment Loan accounts must be valid and have good repayment records ("Eligible Customers"). The Cash Rebate will be credited to Eligible Customers' repayment accounts before 30 November 2012. Redemption letters regarding gift redemption details will be sent out to Eligible Customers by Dah Sing Bank ("the Bank") before 30 November 2012. Each applicant is entitled to only ONE gift regardless of number of e-Cash applications. The Gift is not redeemable for cash or other promotional privilege or transferrable to other gifts, and no changes will be given. The Gift should be bounded by the terms and conditions given by the supplier. The Bank is not the supplier of the Gift, and is not liable for any products or services provided by individual companies. Should there be any enquires or complaints regarding the quality of the products or services, customers should contact the product suppliers directly. The Bank reserves the right to offer any alternative gift and replacement if the Gifts are not available or if there is any issue arisen without prior notice. Quoted prices and types of those products may not be the same as the Gift provided in this promotion. The reference price of the Gifts is for indication only. The Bank is not responsible for setting the reference price and / or the difference between the reference retail prices and the actual retail prices available in the market. e-Cash Instalment Loan customers who make early settlement during the repayment period will be subject to an early settlement penalty and refund of the full Interest and/or Cash Rebate amount or quoted reference price of the Gift. The Gift is available while stocks last. All pictures shown are for reference only.

The "HK$100 Cash Rebate" is only applicable to customers who successfully apply for and drawdown an e-Cash Instalment Loan during the Promotion Period, and the disbursement and repayment account of the loan belongs to one of the followings: Dah Sing savings accounts / current accounts / integrated accounts (not applicable to FlexiMoney Overdraft facility accounts / joint accounts). To enjoy the Cash Rebate, customers' e-Cash Instalment Loan accounts must be valid, have good repayment records and have no early settlement. The Cash Rebate will be credited to Eligible customers' repayment accounts on or before 30 November 2012. Customers who make early settlement during the repayment period will be subject to an early settlement penalty and refund of the full Interest and/or Cash Rebate amount.

The daily interest of approximately HK$2.7 (rounded up to first decimal place) is calculated based on interest of monthly flat rate of 0.8% and assumed a loan amount of HK$10,000 and 30 days per month. According to the Guideline on the Code of Banking Practice, with monthly flat rate of 0.8%, a loan amount of HK$10,000 and a loan tenor of 12 months, the annualised percentage rate is 21.1% with a credit life premium of 1% p.a. included. The Bank will examine and approve the customer's application on the basis of his or her credit status and determine the interest rate to which he or she is entitled.

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

	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

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 on the final approval result of the loan amount, and to terminate or to amend the Service 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 actual circumstances.

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 disputes, the decision of the Bank shall be final.

In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.

The promotion period is from now until 22 September 2012 ("Promotion Period").

The HK$100 Cash Bonus ("Cash Bonus") is only applicable to customers ("Eligible Customers") who successfully apply for e-Cash through online application and withdraw the loan during Promotion Period. The Cash Bonus will be credited into Eligible Customers' repayment accounts within 3 months after loan drawdown. To enjoy the Cash Bonus, the relevant loan accounts must be valid and with good repayment records before cash rebate. Each customer is entitled to the Cash Bonus once only.

If the online loan application is not approved, but other personal loan plans are offered by Dah Sing Bank ("the Bank"), but Cash Bonus will not be offered under such circumstances.

The Bank reserves the right to offer other gifts or coupons instead of the Cash Bonus.

The Bank reserves the right to terminate the above offers or amend their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final.

In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.

The promotion period is valid from 1 August to 31 December 2012 ("Promotion Period").

The Online Application Lucky Draw ("the Lucky Draw") is only applicable to customers who make online applications for Dah Sing Bank ("the Bank") Personal Instalment Loans, including Express Money, e-Cash Instalment Loan and Credit Mastermind; or Personal Revolving Loans, including In-Money and e-Cash Revolving Loan ("Loan").

Customers should successfully withdraw the Loan from 1 August to 31 December 2012 in order to be eligible to enroll in the Lucky Draw ("Eligible Customers").

Eligible Customers will be entitled to one lucky draw entry for each eligible Loan application. Customers will get one extra lucky draw entry for each additional successful Loan application and withdrawal.

The Lucky Draw will be taken place on 10 January 2013 ("Lucky Draw Day"), where 5 winners will be chosen randomly by computer from the pool of Eligible Customers. To be eligible for the Lucky Draw, Eligible Customer's Loan account must be valid, has good repayment record and has no early settlement before the Lucky Draw Day.

The winner will be eligible for a SANYO Full HD Video Camera ("Gift"). The Lucky Draw result will be announced on the Bank's website at www.dahsing.com on or before 31 January 2013 ("Result Announcement Day"). The Bank will notify the lucky draw winner regarding reward details by mail.

The Gift is not redeemable for cash or transferrable to other gifts, and no changes will be given. The Bank is not the supplier of the Gift, and is not liable for any products or services provided by individual companies. Should there be any enquires or complaints regarding the quality of the products or services, customer should contact the product suppliers directly. In the case of insufficient stocks, the Bank has the right to use other products for replacement at any time without prior notice.

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 disputes, the decision of the Bank shall be final.

In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.