Remarks: 1. Minimum monthly income of applicants must be at least HK$10,000. 2. Maximum tax loan amount is 100% of tax bill amount. Applicants need to provide their 2005/06 tax demand note, including the first 2 pages. If a customer chooses to have Dah Sing Bank pay his / her tax on his / her behalf to the IRD, Dah Sing Bank will pay the partial or full tax amount to the IRD on the customer's behalf within 5 working days of the drawdown date. Should there be any delay during the application process, and the payment to the IRD is not made on time, Dah Sing Bank will not be responsible for any surcharge incurred. If the approved amount is less than the tax payment amount, customers are required to make their own arrangements to pay the difference to the IRD. 3. The maximum tenor of the tax loan is 24 months 4. The example is for reference purposes only. For cash cards and credit cards, the total interest expense is calculated based on a minimum payment of 5% and the relevant monthly repayment amount is the average monthly repayment amount for the first 12 months. The tenor is 239 months, assuming a credit card loan amount of HK$200,000 and an annual rate of interest of 30%. The Annualised Percentage Rate, the monthly repayment amount, the tenor and the total interest expense of the cash card and credit card are calculated according to the Guidelines of Code of Banking Practice. 5. The Annualised Percentage Rate is calculated according to the Guidelines of Code of Banking Practice and a credit life premium of 1% p.a. is included. The above interest rate, credit life premium, monthly repayment amounts, tenor and interest savings may vary for each individual customer and upon the final approval of Dah Sing Bank.