Dah Sing Bank

Privileged Fixed Deposit Program

Interest Rate will only go up
High Deposit Rate up to 4.25% p.a.¹

Dah Sing Bank now launches the “Privileged Fixed Deposit Program”, allowing you to enjoy double interest rate mark-up benefits², with high deposit rate up to 4.25 p.a. ¹

Enjoy extra interest rate mark-ups on a monthly basis throughout the entire deposit tenor, subject to a maximum increase of 0.8% p.a.

	1st Month	2nd Month	3rd Month	4th Month	5th Month	6th Month
Extra Interest Rate (p.a.)	+ 0.5%	+ 0.55%	+ 0.6%	+ 0.65%	+ 0.7%	+ 0.8%
Illustrative interest rate using a 6-month fixed deposit³ (i.e. 6-month fixed deposit board rate + interest mark-up)	3.95%	4%	4.05%	4.1%	4.15%	4.25%

Usually, the interest rate for fixed deposits is fixed upon opening the account. Customers do not benefit from subsequent, or even tremendous increases in the market rate. Dah Sing Privileged Fixed Deposit allows the fixed-deposit interest rate during the deposit period to follow the market rate by being reviewed and adjusted upwards monthly, subject to a maximum of 2% p.a. above the interest rate set upon account opening (i.e. initial deposit rate) ⁴; if the market rate decreases, your interest rate will not decrease. This means that your interest rate will be adjusted only upwards and your deposit returns can only increase.

Moreover, if you open a Dah Sing Privileged Fixed Deposit account by depositing a foreign currency bank draft or cheque, enjoy the privilege of “same day value”⁵. Choose a deposit tenor from 3 to 6 months and choose from among the Hong Kong Dollar and eight foreign currencies.

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 up to 4.25% p.a. is based on the Dah Sing Bank 6-month fixed deposit board rate at 3.45% as of April 18, 2006 plus 0.8% p.a. as an example, and is for reference only.
2.	Customers who wish to enjoy double interest rate mark-up benefits should place a 3 to 6 months Privileged HKD / Foreign Currencies Fixed Deposit at any Dah Sing branch with new funds during the period from April 24, 2006 till May 30, 2006. New funds are defined as funds transferred from accounts other than Dah Sing Bank/MEVAS Bank accounts. The minimum deposit amount should be HKD 100,000, AUD 20,000, CAD 20,000, CHF 20,000, EUR 20,000, GBP 20,000, JPY 2,000,000, NZD 20,000 and USD 20,000. The maximum deposit amount is HKD 10,000,000 or equivalent.
3.	The above interest rate is for reference only and is based on the data of Dah Sing Bank fixed deposit interest rate as of April 18, 2006 as an example.
4.	During the deposit period, on a monthly basis, the prevailing 1-month deposit rate of a single currency will be compared with the interest rate upon creation of the fixed deposit (i.e., initial deposit rate, not including the “monthly step-up interest rate mark-up”). If review days fall on Saturdays or holidays, the review will be postponed to the next business day. After comparison, customers can enjoy the higher interest rate (subject to a maximum of 2% p.a. above the initial deposit rate), plus the “monthly step-up interest rate mark-up”.
5.	All out-of-pocket expenses for foreign currency bank draft / cheque (such as drawee bank / corresponding bank charges) deposits will be borne by customers.
6.	The interest rate for subsequent renewals of fixed deposits 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 any Dah Sing branch staff. 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.