Dah Sing Bank

Extraordinary X'Mas Offer for the Privileged Fixed Deposit Program

Fixed Deposit Interest Rate Will Only Increase
Enjoy up to 4.2% p.a.¹

Dah Sing Bank now launches the “Extraordinary X'Mas Offer for the Privileged Fixed Deposit Program,” allowing you to enjoy a high deposit rate up to 4.20% p.a. ¹ and additional benefits.

Monthly Increasing Step-up on Interest Rates

Enjoy additional monthly interest rate mark-ups throughout the entire deposit tenor, subject to a maximum increase of 1.1% p.a. Three- to six-month deposit tenors are available for your choices.

	1st Month	2nd Month	3rd Month	4th Month	5th Month	6th Month
HK$100,000 - HK$299,999	+ 0.40%	+ 0.45%	+ 0.50%	+ 0.55%	+ 0.60%	+ 0.85%
HK$300,000 - HK$999,999	+ 0.50%	+ 0.55%	+ 0.60%	+ 0.65%	+ 0.70%	+ 0.95%
HK$1,000,000 - HK$10,000,000	+ 0.65%	+ 0.70%	+ 0.75%	+ 0.80%	+ 0.85%	+ 1.10%
Illustrative interest rate using a six-month fixed deposit³ (i.e. six-month fixed deposit board rate + interest rate mark-up)	3.75%	3.80%	3.85%	3.90%	3.95%	4.20%

The Dah Sing Extraordinary X'Mas Offer for the Privileged Fixed Deposit Program allows the fixed-deposit interest rate during the deposit period to follow the market rate by being reviewed and adjusted upwards on a monthly basis, subject to a maximum of 2% p.a. over the interest rate set at account opening (i.e. the initial deposit rate). If the market rate decreases, your interest rate will not decrease. This means that your interest rate will only be adjusted upwards and the returns on your deposit can only increase.

Up to HK$4,800 Cash Coupon offered to customers with IPO refund cheque².

Become a Dah Sing Bank VIP customer and enjoy a maximum HK$400 cash coupon⁴.

Act Now to Enjoy the Benefits

Please visit any Dah Sing branch to open an account now.

Enquiries Hotline 2828 8000

Remarks:
1.	Interest rate of 4.2% is based on the Dah Sing Bank HKD fixed deposit board rate of 3.1% + 1.1% as of November 30, 2006 and is used for reference only.
2.	To enjoy the “Extraordinary X'Mas Offer for the Privileged Fixed Deposit Program” and the IPO return cheque offers, customers should open a Privileged HKD Fixed Deposit account with a three- to six-month tenor at any Dah Sing branch using new funds between December 6, 2006 and December 29, 2006. New funds are funds that are not transferred from a Dah Sing Bank/MEVAS Bank. The deposit amount should be between HK$100,000 and HK$10,000,000. In the event of a dispute regarding new funds, the decision of Dah Sing Bank shall be final. The customer is entitled to a HK$100 cash coupon for every HK$100,000 amount in the Extraordinary X'Mas Offer for the Privileged Fixed Deposit Program if the deposit is below HK$1,000,000 or a HK$150 cash coupon for every HK$100,000 amount in the Extraordinary X'Mas Offer for the Privileged Fixed Deposit Program if the deposit is HK$100,000 or above. Quantities are limited. Each customer may enjoy a maximum HK$4,800 cash coupon from the IPO return cheque offers.
3.	During the deposit period, on a monthly basis, the prevailing one-month deposit rate on a HKD Fixed Deposit will be compared with the interest rate upon creation of the fixed deposit (i.e., the initial deposit rate, not including the “monthly increasing step-up on interest rates”). If review days fall on Saturdays or holidays, the review will be postponed to the next business day. After comparison, customers may enjoy the higher interest rate (subject to a maximum of 2% p.a. above the initial deposit rate), plus the “monthly increasing step-up on interest rates”.
4.	Customers who join Dah Sing VIP Banking Services during the promotional period are entitled to a HK$100 cash coupon. An extra HK$100 cash coupon will be distributed upon using each of the investment (excluding Securities Services), Life Insurance and HKD Fixed Deposit Services during the period. Customer may receive a maximum of HK$400 in cash coupons. Terms and conditions of the Dah Sing VIP Banking Service are also applicable. Please contact our staff at any of our branches for details.
5.	The above interest rate is for reference purposes only, is not guaranteed and is based on data of the Dah Sing Bank fixed deposit interest rate as of November 30, 2006 as an example. The mark-up interest rate is subject to change according to market conditions. The interest rate offered to customers is based on the interest rate provided by Dah Sing Bank during account opening.
6.	Cash coupons are non-transferable and cannot be executed or redeemed for cash. Coupon use is restricted by the suppliers’ terms and conditions. Dah Sing Bank / MEVAS Bank makes no representation or guarantee as to the quality and availability of the products provided by the suppliers of the gift items in this promotional campaign. Dah Sing Bank / MEVAS Bank shall bear no responsibility or liability whatsoever with regard to any matters arising from or in connection with the products provided by the suppliers.
7.	The interest rate for subsequent fixed deposit renewals will follow the prevailing interest rate offered by Dah Sing Bank. The above offer cannot be used in conjunction with any of Dah Sing Bank’s other related services. For terms and conditions of the above offer, please contact the staff at any Dah Sing branch. Dah Sing Bank reserves the right to amend the above offer without prior notice. In the event of a dispute, the decision of Dah Sing Bank shall be final.