1. The promotion period is valid from 19 July 2011 to 31 October 2011 ("Promotion Period").
2. The minimum monthly average balance requirement of Dah Sing VIP Banking is HK$500,000 or above (including all deposits and/ or investments).
3. The Welcome Offers are only applicable to customers who newly open / upgrade to Dah Sing VIP Banking (New Customers) of Dah Sing Bank (“the Bank”). New Customers refer to customers who are not of Dah Sing VIP Banking status during the period from 2 January 2011 to 18 July 2011 and join Dah Sing VIP Banking during the Promotion Period.
4. HK$600 Cash Reward is only applicable to customers who newly open / upgrade to Dah Sing VIP Banking (“New Customers”) at the Bank and enroll in designated banking services during the Promotion Period. Designated banking services include (i) set up of HKD fixed deposit and (ii) newly opening of securities account. During the Promotion Period, New Customers who set up a HKD fixed deposit with New Fund of HK$500,000 to below HK$1,000,000 for at least 3 months, Cash Reward of HK$200 will be rewarded; for set up of HKD fixed deposit with New Fund HK$1,000,000 or above for at least 3 months, Cash Reward of HK$400 will be rewarded. New Funds are defined as fund newly deposited at the Bank, using a cheque drawn on other bank, inward CHATS or T/T in HKD during the Promotion Period and exclude fund transfer from the existing account of the Bank. In case of any disputes in relation to the definition of New Funds, the decision of the Bank shall be final. New Customers are eligible to the Cash Reward of setting up HKD fixed deposit once only and the cap is HK$400. During the Promotion Period, New Customers who newly open securities account and execute at least one trade will enjoy HK$200 Cash Reward (customers are required to have no sole-named or joint-named securities account during the period from 2 January 2011 to 18 July 2011).  To enjoy the Cash Reward, the account holders of the newly opened securities account are required to be identically the same as all the account holders of the Dah Sing VIP i-Account. The cap of the Cash Reward for each eligible New Customer or each newly opened / upgraded Dah Sing VIP i-Account is HK$600. Each New Customer and each newly opened / upgraded Dah Sing VIP i-Account is entitled to the Cash Reward for each designated banking service once only. The amount of Cash Reward will be based on the number of designated banking services that all the account holders have enrolled in for each Dah Sing VIP i-Account during the Promotion Period. All the cash reward will be credited into eligible customers’ Dah Sing VIP i-Accounts on or before 31 January 2012. Customers are required to maintain the effective Dah Sing VIP i-Account at the time the cash reward is credited or otherwise, the cash reward will not be offered.
5. This offer is only applicable to Dah Sing VIP Banking customers who open Flexi Deposit HKD Savings Account reaching designated amount during the Promotion Period. For the details and the terms and conditions, please refer to the relevant promotional leaflets or contact the customer service officers of the Bank.
6. This offer is only applicable to Dah Sing VIP Banking customers who enroll in designated life insurance plan(s) successfully with the first 3 months premium paid and the annual premium meets the specified requirement during the Promotion Period. This offer is not applicable to all investment linked assurance schemes nor single-premium policies. Dah Sing Life is the underwriter of the insurance plans. “Dah Sing Life” stands for Dah Sing Life Assurance Company Limited (Incorporated in Bermuda with limited liability). The Bank is an insurance agent authorized by Dah Sing Life. For details and terms and conditions of the life insurance promotion, please refer to the relevant promotional leaflets or contact the customer service officers of the Bank.
7. The Offer is not applicable to subscriptions of Investment Fund Savings Plan and Class B Funds. The amount of Subscription Fee Rebate (the “Rebate”) is calculated based on the subscription fee that Dah Sing VIP Banking customers paid for the first subscription of investment fund during the Promotion Period. If customers subscribe more than 1 fund in the day of the first subscription of investment funds, the Rebate will be based on the fund subscription with the highest subscription fee. Each customer and each Unit Trust Account is entitled to the Offer once only. The cap of the Rebate is HK$1,500. If the investment fund subscription is made in currency other than HKD, the cap of the Rebate will be the amount of foreign currency equivalent to HK$1,500 based on the corresponding foreign exchange rate determined by the Bank. All other fees/charges applicable to the relevant fund, including but not limited to switching fees, redemption fees, management fees etc., still apply. Customers are required to fully settle the actual initial charge amount at the time of subscription. The Bank will credit the Rebate into eligible customer's corresponding settlement account on or before 31 December 2011. Customers are required to maintain Dah Sing VIP Banking status, the effective Unit Trust account and the corresponding settlement account at the time the Rebate is credited, or otherwise the Offer will be forfeited. The Offer is not transferable to others and cannot be exchanged for cash nor any kind of discount offers. If customers are entitled to the Offer in conjunction with other promotional offers, the Bank reserves the right to grant the eligible customer one of or part of the entitled Offer only. For the details of this offer, please contact the staff at the Investment Services Section of the Bank.
8. Customers who successfully deposit Hong Kong listed stocks (Warrants & CBBC (Callable Bull/Bear Contracts) are excluded) into their securities accounts with the Bank via Central Clearing and Settlement System (CCASS) during the Promotion Period and the aggregate market value of such stocks deposited reaches HK$200,000 equivalent or above, are eligible to HK$200 cash reward. If the aggregate market value reaches HK$400,000 equivalent or above, customers are eligible to HK$400 cash reward. The maximum amount of cash reward entitled to each securities account is HK$400. Market value is calculated on the closing price and the exchange rate of the stock on the deposit day. Customers are free to sell such stocks through the Bank. If there is any withdrawal of such stocks either through CCASS or by physical script within the Promotion Period, the relevant market value will not be included in the calculation of the aggregate market value for this offer. The cash reward will be credited to customers’ settlement accounts on or before 31 January 2012. Customers must maintain the relevant securities accounts and settlement accounts at the time for such cash reward or otherwise, the cash reward will not be offered. For the details and the terms and conditions, please refer to the relevant promotional leaflets or contact the customer service officers of the Bank.
9. The above offers cannot be used in conjunction with other offers of relevant services provided by Dah Sing Bank/Dah Sing Life.
10. Cash coupon is available while the stock lasts. If the cash coupon/gifts are out of stock, Dah Sing Bank/Dah Sing Life reserves the right to offer an alternative gift with similar value as replacement. The above offers cannot be exchanged for cash. Dah Sing Bank/ Dah Sing Life will not be held liable for the quality of the goods and services provided by the merchants. Please contact the relevant merchants for such kind of enquires or complaints.
11. Dah Sing Bank/Dah Sing Life reserves the right to terminate and amend the offers and the relevant terms and conditions without prior notice. If there are any disputes, the decision of Dah Sing Bank/Dah Sing Life shall be conclusive.
12. The above offers are not applicable to the staff of Dah Sing Financial Group and its affiliates.

Risk Disclosure Statement and Important Note
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 any necessary and appropriate professional advice before investing. This document does not constitute any offer, invitation or recommendation to any person to enter into any transaction, nor does it constitute any prediction of likely future movements in fund prices.
Securities Service
Investment involves risks. The price of securities fluctuates, 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 Services before making any investment decision. This document does not constitute any offer, invitation or recommendation to any person to enter into any securities transaction, nor does it constitute any prediction of likely future movements in prices of any securities.

In case of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.