General Terms and Conditions

1. Promotion Offers are valid from 1 July 2018 to 31 December 2018 (both dates inclusive) (the "Promotion Period").
2. The customers´ eligibility and calculations on all offers and rewards will be based on transaction records of Dah Sing Bank, Limited ("the Bank").
3. All offers and rewards are not transferable and cannot be exchanged for cash or other discounts.
4. Private Banking customers, customers who opened accounts under company name and staff of Dah Sing Financial Group and its affiliates are not eligible for all offers and rewards.
5. Customers with other privilege commission rate offer are not eligible for the offers related to brokerage fee rate.
6. All offers and rewards cannot be used in conjunction with any other promotion offers of the Bank. The Bank reserves the right to terminate or amend the below offers, rewards and their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final and conclusive.

"Welcome Offer" Terms and Conditions (Only Applicable to New Securities Customers)

1. "Welcome Offer" is only applicable to new securities customers ("New Securities Customers") who did not maintain any securities account(s) (whether in the customer´s sole name or joint-name with other person(s)) with the Bank at any time during the period from 1 January 2018 to 30 June 2018 and successfully open new securities accounts with the Bank for the first time during the "Promotion Period".
2. "Welcome Offer" is only applicable to the securities account with the use of savings account as the settlement account by "New Securities Customers". Savings account includes "EasiSave Passbook Account" and Multi-Currency Savings Account under Integrated Account. If customers open more than one securities account with savings account as settlement account during the "Promotion Period", whether in sole name or joint-name with other person(s), only the securities account with the earliest account opening date can enjoy "Welcome Offer" ("Eligible Securities Account").

"Unlimited Buy Brokerage Fee Waiver up to 6 months"

1. "Unlimited Buy Brokerage Fee Waiver up to 6 months" offer is only applicable to successfully buy transactions of Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares conducted via any transaction channel through "Eligible Securities Account" by "New Securities Customers". VIP Banking Customers can enjoy this offer within the first six months from the date the "Eligible Securities Account" is successfully opened ("VIP Banking Customer Offer Period"), customers must still be VIP Banking Customers at the time the brokerage fee rebate is credited by the Bank; otherwise, they can only enjoy this offer within the first three months from the date the "Eligible Securities Account" is successfully opened ("General Customer Offer Period"), the brokerage fee of related transactions will be rebated in full amount, there is no limit on the rebate amount.
2. Customers who are eligible for "Unlimited Buy Brokerage Fee Waiver up to 6 months" offer are required to pay brokerage fees upfront at the rate of respective transaction channel. The brokerage fees being waived will be reimbursed to eligible customers´ securities settlement account in form of cash rebates within 9 months after the date the "Eligible Securities Account" is successfully opened.
3. Customers still have to pay other transaction fees, including but not limited to transaction levy charged by the Securities and Futures Commission, trading fee charged by the Hong Kong Exchanges and Clearing Limited, Hong Kong stamp duty, stamp duty charged by the State Administration of Taxation, securities management fee charged by the China Securities Regulatory Commission, handling fee charged by SSE/SZSE and transfer fee charged by China Securities Depository and Clearing Corporation Limited.
4. Customers must still maintain the relevant valid "Eligible Securities Accounts" and securities settlement accounts with the Bank at the time the brokerage fee rebate is credited by the Bank in order to be entitled to this offer.

"E-Transaction Triple Rewards up to HK$650"


i. Mobile Securities "Easy Trade" Platform Registration Cash Reward HK$50

1. "New Securities Customers" who successfully register Mobile Securities "Easy Trade" Platform and activate Mobile Device for the first time through e-Banking or Mobile Banking during the "Promotion Period" can enjoy HK$50 cash reward. First-time registration refers to customers who have never registered for Mobile Securities Trading Services with any of his/her securities accounts (whether in the customer´s sole name or joint-name with other person(s)) before 1 July 2018.
2. Each "New Securities Customer" can only enjoy this offer once in the "Promotion Period".
3. The cash reward will be credited to eligible customers´ securities settlement accounts on or before 31 March 2019.
4. Customers must still maintain the relevant valid "Eligible Securities Accounts" and securities settlement accounts with the Bank at the time the cash reward is credited by the Bank in order to be entitled to this offer.

ii. Custody Fee Wavier for E-Transaction

1. "New Securities Customers" who successfully execute at least one Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares trading transaction via Mobile Securities "Easy Trade" Platform and/or i-Securities Internet Trading Services through "Eligible Securities Account" on or before 30 November 2018 (excluding any IPO subscription, Stocks Investment Savings Plans and odd lot order), the custody fee of the "Eligible Securities Account" collected in early of December 2018 can be waived.
2. Customers who are eligible for the "Custody Fee Waiver" offer are required to pay the custody fee upfront (HK$100 for VIP Banking Customers, HK$150 for General Customers), the custody fee being waived will be reimbursed to eligible customers securities settlement accounts on or before 31 March 2019.
3. Customers must successfully pay the custody fee when the Bank deducted at the first time and still maintain the relevant valid "Eligible Securities Account" and securities settlement accounts with the Bank at the time the custody fee reimbursement is credited in order to be entitled to this offer.

iii. E-Transaction Cash Reward up to HK$500

1. "New Securities Customers" who successfully execute Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares trading transaction via Mobile Securities "Easy Trade" Platform and/or i-Securities Internet Trading Services through "Eligible Securities Account" and accumulate the designated number of transaction or designated transaction amount on or before  31 January 2019 (excluding any IPO subscription, Stocks Investment Savings Plans and odd lot order) can enjoy up to HK$500 cash reward. VIP Banking Customers can enjoy up to HK$500 cash reward, customers must still be VIP Banking Customers at the time the cash reward is credited by the Bank; otherwise, they can only enjoy up to HK$300 cash reward as for General Customers, details please refer to the e-Transaction Cash Reward table.
2. Transaction amount of RMB denominated Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares will be converted to HKD based on the corresponding RMB exchange rate determined by the Bank at that time for calculating the accumulated transaction amount of this promotion offer.
3. Each "New Securities Customer" can only enjoy the offer once. The Bank will take the highest amount when calculating the respective cash reward for the accumulated number of transaction or transaction amount of the "Eligible Securities Account".
4. The cash reward will be credited into eligible customers´ securities settlement accounts on or before 31 March 2019.
5. Customers must still maintain the relevant valid "Eligible Securities Accounts" and securities settlement accounts with the Bank at the time the cash reward is credited by the Bank in order to be entitled to this offer.

 
Other Privileged Offers Terms and Conditions (Applicable to both New and Existing Securities Customers)

"Brokerage Fee Rate Offer"

1. VIP Banking Customers and General Customers can enjoy "Securities Trading Brokerage Fee at 0.125%" offer and "Securities Trading Brokerage Fee at 0.15%" offer respectively for the trading transactions of Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares successfully executed via Mobile Securities "Easy Trade" Platform and/or i-Securities Internet Trading Services during the "Promotion Period" through valid securities accounts maintained with the Bank. The minimum brokerage fee is HK$90 (for HKD denominated transaction)/RMB80 (for RMB denominated transaction) per trading transaction. If customers´ account type is changed during the "Promotion Period", the brokerage fee rate offer applicable to the respective account type will be effective within 3 working days from the day of successfully change of the respective account type.
2. VIP Banking Customers can enjoy "Securities Trading Brokerage Fee at 0.1%" offer for each successfully executed Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares trading transaction that reaches HK$1million/RMB1million transaction amount or above conducted via Mobile Securities "Easy Trade" Platform and/or i-Securities Internet Trading Services through valid securities accounts maintained with the Bank during the "Promotion Period". For customers who are eligible for "Securities Trading Brokerage Fee at 0.1%" offer, they are required to pay brokerage fees upfront at the rate of respective transaction channel. The brokerage fee amount that is entitled to be waived will be reimbursed to eligible customers´ securities settlement accounts in form of cash rebates on or before 31 August 2019. Customers must still be VIP Banking Customers and maintain the relevant valid securities accounts and securities settlement accounts with the Bank at the time brokerage fee rebate is credited by the Bank in order to be entitled to this offer.
3. VIP Banking Customers and General Customers can enjoy "Securities Trading Brokerage Fee at 0.15%" offer and "Securities Trading Brokerage Fee at 0.18%" offer respectively for the trading transactions of Hong Kong Listed Securities successfully executed via Branch Securities Trading Centres during the "Promotion Period" through valid securities accounts maintained with the Bank. The minimum brokerage fee is HK$90 (for HKD denominated transaction)/RMB80 (for RMB denominated transaction) per trading transaction. If customers´ account type is changed during the "Promotion Period", the brokerage fee rate offer applicable to the respective account type will be effective within 3 working days from the day of successfully change of the respective account type.
4. During the "Promotion Period", the sell transactions successfully executed by "New Securities Customers" and buy/ sell transactions of Hong Kong Listed Securities, Shanghai A Shares and/or Shenzhen A Shares successfully executed by "New Securities Customers" via the aforementioned designated transaction channels after the "VIP Banking Customer Offer Period" or "General Customer Offer Period" can also be entitled to the relevant brokerage fee rate offer as described in the above Terms & Conditions .

"Stocks Transfer-in Cash Reward up to HK$7,000"

1. Customers who successfully deposit Hong Kong Listed Securities (Warrants & Callable Bull/Bear Contracts are excluded) and/or Shanghai A Shares and/or Shenzhen A Shares into their securities accounts with the Bank via Central Clearing and Settlement System (CCASS) from other banks or securities firms (excluding Dah Sing Financial Group and its subsidiaries) during the "Promotion Period" can enjoy HK$200 cash reward for accumulating every HK$200,000 aggregate market value of stocks deposited. The accumulated aggregate market value of stocks deposited is calculated on a per securities account basis. VIP Banking Customers can enjoy up to HK$7,000 cash reward, customers must still be VIP Banking Customers at the time the cash reward is credited by the Bank; otherwise, they can only enjoy up to HK$3,000 cash reward as for General Customers.
2. If there is any withdrawal of stocks either through CCASS or by physical scrip before the cash reward is credited by the Bank, customers will not be eligible for any cash reward. If customers sell the relevant stocks deposited through the securities account of the Bank, the accumulated aggregate market value of stocks deposited for the calculation of this offer will not be affected.
3. Market value of the stock is calculated based on the closing price and the exchange rate of the stock on the deposit day. For deposit of RMB denominated securities, its market value will be converted to HKD based on the corresponding RMB exchange rate determined by the Bank at that time for calculating the deposited stocks accumulated aggregate market value of this offer.
4. If the accumulated aggregate market value of stocks deposited falls short of HK$200,000, customers will not be eligible for this offer. Any part of the accumulated aggregate market value in excess of HK$200,000 which falls short of its multiple will not be counted for the cash reward. The value of cash reward entitled is fixed at HK$200 or its multiple, depending on the accumulated market value deposited.
5. The cash reward will be credited into eligible customers´ securities settlement accounts on or before 31 March 2019. Customers must still maintain the relevant valid securities accounts and securities settlement accounts with the Bank at the time the cash reward is credited by the Bank in order to be entitled to this offer.

"Securities e-Advice Subscription Cash Reward HK$50"

1. Customers who successfully subscribe Securities e-Advice (suppress paper advice) for the first time can enjoy HK$50 cash reward. Customers who subscribe Securities e-Advice for the first time refers to customers who have never subscribed Securities e-Advice before 1 July 2018.
2. The cash reward will be credited into eligible customers´ securities settlement accounts on or before 31 March 2019. Customers must be still using Securities e-Advice and maintain the relevant valid securities accounts, securities settlement accounts at the time the cash reward is credited by the Bank in order to be entitled to this offer.

 

Note: If there is discrepancy between the Chinese and the English versions hereof, the Traditional Chinese version shall prevail.

  

Securities Services Risk Disclosure:

Investment involves risks. The prices of securities fluctuate, 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. For the information of Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect, please read the information on Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect (containing a section of Risks of Investing through Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect).

 

Currency Risk Disclosure:

Exchange of renminbi (RMB) to HKD or other currencies is subject to currency exchange rate fluctuation. Customers should bear the risk of RMB exchange rate fluctuations which may cause profit or loss if customer chooses to convert RMB to HKD or other currencies. RMB is currently subject to exchange controls imposed by the PRC government, the exchange rate may be easily affected by change in government policies.

 

Unless the context requires otherwise, 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. This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.