1. The promotion period is valid from now until 29 September 2012 (the 'Promotion Period').
2. On the assumption of a HK$950,000 loan amount, with a monthly flat rate applicable to a selected customer of 0.173%, and a 12-month loan tenor, the annualised percentage rate including the First 2 Months Interest Free Payment Holiday and HK$2,088 cash rebate is 2.99%. The offer is applicable to selected customers only. For details of cash rewards, First 2 Months Interest Free Payment Holiday and selected customers, please refer to points (3), (6) and (12).
3. Up to HK$2,088 Cash Rebate are applicable to customers who successfully apply for and withdraw Express Money on or before 31 October 2012 ("Cash Rebate"). Customers with loan amount HK$900,000 or above, HK$500,000-HK$899,999, HK$200,000-HK$499,999, HK$50,000-HK$199,999 and HK$5,000-HK$49,999, may enjoy HK$2,088, HK$888, HK$388, HK$188 and HK$88 Cash Rebate respectively. For details please refer to point(8).
4. 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.
5. 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.

   	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.
6. Customers who successfully apply for and drawdown an Express Money account during the Promotion Period may enjoy a First 2 Months Interest Free 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 3 August 2012, the first repayment date will be 3 October 2012). The repayment date of individual customers may vary. If customers early redeem the loan before the first repayment date (e.g. 3 October 2012 from the above example), the Bank will charge the Early Settlement Handling Fee $500 for all outstanding loan amount[the original Early Settlement Fee is equivalent to 2.5% of the outstanding loan amount(minimum HK$500)] and waive the first month's interest charge, but customers will have to pay the outstanding principal to the Bank. If customers early redeem the loan on the first repayment date and afterwards (e.g. 3 October 2012 from the above example), 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 above 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. If customers wish to early settle the loan, please visit the branch during office hours of Monday to Friday for early settlement handling.
7. 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').
8. The Cash Rebate and/or Cash Rewards will be credited to eligible customers' repayment accounts on or before 31 January 2013. To enjoy the Cash Rebate and/or Cash Rewards, customers' Express Money accounts must be valid on the Cash Rebate and/or Cash Rewards 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 and/or Cash Rewards amount.
9. 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.
10. 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.
11. 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$)	Monthly Flat Rate	*Annualized percentage rate	Cash Rebate (HK$)
    $5,000 - $50,000	0.5%	10.88%	$88

    * 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$27,500, including the cash rebate. The APR is rounded to the nearest two decimal places and may vary for individual customers. The First 2 Months Interest Free Payment Holiday offer is not applicable to new job starters.
12. 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 January 2012 and 22 June 2012; 2) The Bank's existing mortgage-loan customers as of 22 June 2012; 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, airline transport pilots, 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.
13. 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 may vary for individual customers.
14. The example is for reference only, and the APRs which include the First 2 Months Interest Free 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.
15. 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. The monthly repayment amounts may vary for individual customers.
16. 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.
17. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.

1. The promotion period is valid from now until 29 September 2012 ("Promotion Period").
2. The HK$50 Cash Bonus ("Cash Bonus") is only applicable to customers ("Eligible Customers") who successfully apply for Express Money 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.
3. If the online loan application is not approved, other personal loan plans may be offered by Dah Sing Bank ("the Bank"), but Cash Bonus will not be offered under such circumstances.
4. The Bank reserves the right to offer other gifts or coupons instead of the Cash Bonus.
5. 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.
6. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.

1. The promotion period is valid from 1 August to 31 December 2012 ("Promotion Period").
2. 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").
3. 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").
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. In the event of discrepancies between the Chinese version and English version of these terms and conditions, the English version shall prevail.