Dear Customer,

Happy Birthday! As your birthday approaches, Dah Sing Bank wishes you many happy returns on your special day!

As a valued customer, we are glad to offer you a host of benefits to celebrate your big day.

	Simply bring along a Dah Sing Credit Card sales slip of transaction amount HK$200 or more to any Dah Sing branch to redeem the delicate cakes coupon (half dozen)
	- Get a HK$200 cash rebate for Unit Trust subscription of HK$50,000 or above - Get HK$300 Dah Sing Credit Card cash rebate upon successful application for a specific life insurance plan provided by Dah Sing Life Assurance Company Limited
	Spend by Dah Sing Credit Card and you can enjoy double cash reward. For every HK$200 you spend on your birthday, you will get HK$2 cash rebate
Please bring along the copy of this e-mail and visit any Dah Sing branch within one month to enjoy the above benefits. For any question, please contact our Customer Service Hotline 2828 8168, we are always pleased to serve you.

Remarks:
1.	To redeem the half-dozen delicate cakes coupon, customers should make a single retail purchase or cash advance of at least HK$200 within one month from this e-mail receive date and bring along the Dah Sing Credit Card sales slip to any Dah Sing branch. Each customer is entitled to only one cakes coupon, and offer valid while stock lasts.
2.	The offer of HK$200 cash rebate is only applicable to customers who subscribe investment funds at our Bank with investment amount HK$50,000 or above. The offer applies only to selected funds and lump sum fund subscription and is not applicable to Investment Fund Savings Plan and particular funds, please contact our staff for details. Each fund subscription is eligible for one HK$200 cash rebate offer only. HK$200 will be credited to the settlement account on the following month. Investment involves risk and price of investment funds may go up as well as down. Customers should read the related fund prospectus.
3.	The HK$300 credit card cash rebate is applicable to customers who have made an upfront payment for the first 3 months' premium with Dah Sing Credit Card / Debit Card or customers who successfully apply for a new Dah Sing Credit Card / Debit Card. And the customer must successfully apply for a specific life insurance plan of Dah Sing Life Assurance Company Limited. The cash rebate will be credited to customers' Dah Sing Credit Card / Debit Card account after 6 months from policy issue date. Please contact branch staff for the details.
4.	Dah Sing Bank staff are not entitled to the above offers.
5.	Dah Sing Bank reserves the right to amend the offers and terms and conditions without prior notice. In case of any dispute, the decision of Dah Sing Bank and Dah Sing Life Assurance Company Limited is final and conclusive.