*Up to 87,000 Avios include Savings Reward up to 25,500 Avios, Transaction Reward up to 4,500 Avios, e-Express Reward up to 1,500 Avios, Referral Reward up to 42,000 Avios, Securities Services Reward 2,000 Avios, Foreign Exchange Transactions Reward 1,500 Avios and Dah Sing British Airways Platinum Card Welcome Offer up to 10,000 Avios; Up to HK$6,950 Cash Rewards include Savings Reward up to HK$1,800 Credit Card Cash Reward, Transaction Reward up to HK$300 Credit Card Cash Reward, e-Express Reward up to HK$100 Credit Card Cash Reward, Referral Reward up to HK$3,000 Credit Card Cash Reward, Securities Services Cash Reward HK$150, Foreign Exchange Transactions Cash Reward HK$100, 360° Easy Payroll Services reward up to HK$600 Credit Card Cash Reward and Dah Sing ONE+ Credit Card Welcome Offer up to HK$900 Credit Card Cash Reward.

Speedy Savings and Fly to Your Dream • Be YOU

Speedy Savings • YOU Choose

Go for fast-tracking savings and transactions in your style. YOU Banking achieves your travelling dreams and financial goals with YOU! From now until 31 March 2020**, successfully open a YOU Banking account and finish the requirements below during the Reward Period***. You can enjoy up to 41,500 Avios* or HK$3,100 Credit Card Cash Reward*.

Savings Reward

Transaction Reward

1,500 Avios / HK$100 Credit Card Cash Reward for every Eligible Transaction type Payroll Securities Trading App Card AAVS Note: For details of Eligible Transaction, please refers to Terms and Conditions

Maximum reward from Transaction Reward: 4,500 Avios / HK$300 Credit Card Cash Reward

e-Express Bank Account Opening Reward

Apply for YOU Banking via e-Express Bank Account Application ("e-Express") to enjoy an exclusive offer of 1,500 Avios / HK$100 Credit Card Cash Reward!

e-Express Bank Account Opening Reward Customers who successfully open a YOU i-Account through e-Express, and maintain the Average Daily Savings Deposit Balance of HK$50,000 or above (or its equivalent) during the Reward Period, can enjoy 1,500 Avios HK$100 Credit Card Cash Reward.

Dah Sing Credit Card Welcome Offer

Dah Sing British Airways Platinum Card Welcome offer up to 10,000 Avios# OR Dah Sing ONE+ Credit Card Welcome offer up to HK$900 Credit Card Cash Reward#

Investment involves risks. Subject to relevant terms and conditions.

* Up to 41,500 Avios Welcome Reward includes Savings Reward up to 25,500 Avios, Transaction Reward up to 4,500 Avios, e-Express Bank Account Opening Reward 1,500 Avios, and Dah Sing British Airways Platinum Card Welcome Offer up to 10,000 Avios. Up to HK$3,100 Credit Card Cash Reward includes Savings Reward up to HK$1,800 Credit Card Cash Reward, Transaction Reward up to HK$300 Credit Card Cash Reward, e-Express Bank Account Opening Reward HK$100, and Dah Sing ONE+ Credit Card Welcome Offer up to HK$900 Credit Card Cash Reward.

** Promotion Period is from 1 October 2019 to 31 March 2020 (both dates inclusive).

*** Reward Period refers to the entire 3 consecutive months starting from the next calendar month of the account opening. If Eligible Customer chooses Avios as the Account Opening Reward, the customer can register at http://www.dahsing.com/you/avios/app/en until the 3^rd calendar month from the date of account opening (''Registration Period''). Each Eligible Customer can register once only. Once the registration is submitted, no amendment or cancellation can be made. If the customer does not have a valid Dah Sing British Airways Platinum Card at the time the Avios is credited, or if our bank has not received any registration record during the Registration Period, customer will be deemed to have chosen the Credit Card Cash Reward as the Reward.

⁺Savings Deposit Growth is calculated as the difference between the "Average Daily Savings Deposit Balance" and "Deposit Benchmark" during the Reward Period.

^{^}The welcome gifts are available while stocks last. The Bank reserves the right to offer any alternative gift and replacement without prior notice.

^#Only Applicable to new Principal Card applicant and fulfills designated spending requirement.

Wealth Management • At Ease

Investment involves risks. Subject to relevant terms and conditions.

* Up to 3,500 Avios Reward includes Securities Trading Reward of 2,000 Avios and FX Transaction Reward of 1,500 Avios. Up to HK$850 Credit Card Cash Reward includes Securities Trading Reward of HK$150 and FX Transaction Reward of HK$100, and 360° Easy Payroll Services Welcome Reward up to HK$600.

Dah Sing YOU Banking Referral Reward Program

Dah Sing YOU Banking online referral platform - refer your friends to enjoy reward anytime anywhere! Upon successful online registration and referral of your friends to open a YOU Banking while fulfilling the designated requirements*, referrer will enjoy up to 42,000 Avios or HK$3,000 Credit Card Cash Reward!

*Referee has to maintain the Saving Deposit Growth $50,000 and conduct any one of the eligible transaction under the Transaction Reward.