Terms and Conditions of Hello Kitty VIP Banking:

Terms and Conditions of Hello Kitty VIP Banking: 1. Terms and Conditions for Bonus Savings Interest Rate Offer Savings interest rate of HKD Current Account is calculated based on the Savings Interest (Please refer to the Bank s website www.dahsing.com for details) of Hello Kitty VIP i-account set by Dah Sing Bank, Limited (the Bank ) and the Bonus Savings Interest Rate which is according to the designated services / products the customer is using or holding (if any). Total annual interest rate is unlimited. Designated Services / Products Bonus Savings Interest Rate (Up to 0.25% p.a.) Category 1 Using / holding any Category 1 services / Personal Finance Services (such as Tax Loan, products: +0.125% p.a.* Instalment Loan, etc.) Credit Card / Debit Card (with designated transaction records) Mortgage Loan Category 2 Using / holding any Category 2 services / Securities Services (with stocks holding) Investment Services (including Investment Funds, Currency Linked Premium Deposit, etc.) Life Insurance Services products: +0.125% p.a.* * Customer will only be entitled to 0.125% p.a. Bonus Savings Interest Rate for each Category 1 and Category 2 services/ products even if he/she is using/ holding more than one Category 1 or Category 2 services/ products. For the definition of designated services / products, please contact our branch staff or refer to the promotion leaflet of i-account. For details of the arrangement of interest payment of Bonus Savings Interest Rate, please contact our branch staff or refer to the promotion leaflet of i-account. 2. For details and the terms and conditions of Dah Sing Hello Kitty Credit Card, please visit www.dahsing.com/card/hellokittycard or contact your Relationship Manager. 3. The office hour of Dah Sing VIP Banking Hotline is 9:00am - 10:00pm, on Mondays to Fridays, 9:00am - 5:30pm on Saturdays, and closed on Sundays and Public Holidays. 4. Customer needs to maintain an average daily balance (please refer to Terms and Conditions 6 for the definition of average daily balance) of HK$500,000 or above (or equivalent) in the portfolio for a month to enjoy the No-Bounced Cheque/ Autopay Protection in the following month. No-Bounced Cheque/ Autopay Protection overdraft interest will be charged at the rate of HKD Prime +6% p.a. 5. The 30-day Free Accidental Death Benefit is only applicable to brand new account holders of VIP i-account. The coverage is valid for a term of 30 days from the opening date of VIP i-account. This coverage is provided in accordance with the Master Policy underwritten by Tahoe Life Insurance Company Limited (Incorporated in Bermuda with limited liability) ( Tahoe Life ). The Bank is an insurance agent authorized by Tahoe Life. Please browse through www.tahoelife.com.hk or contact Tahoe Life for details and relevant terms of the insurance coverage. 6. The minimum average balance requirement of Dah Sing Hello Kitty VIP Banking is HK$500,000 or above (or equivalent). If the average daily balance falls below HK$500,000 (or equivalent) in any month, a

monthly maintenance fee of HK$200 (or equivalent) will be charged. For details, please refer to the booklet of Bank Service Charges of the Bank. The average daily balance includes the deposit balance of deposit accounts, latest market value of investment accounts and cash value of life insurance accounts held with the Bank. The name of the account holder must be identical to the Hello Kitty VIP i-account holder. 7. In case of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. The Bank/ Tahoe Life reserves the right to terminate and amend the offers, rate, fees and charges and the relevant terms and conditions without prior notice. If there are any disputes, the decision of the Bank/ Tahoe Life shall be final and conclusive.

Terms & Conditions for Hello Kitty VIP Banking Promotional Offers: A. General Terms and Conditions 1. The Promotion Period is from 2 January to 30 June 2018, both dates inclusive (the Promotion Period ) and is divided into 2 Promotion Phases as stated in the table below. Promotion Phase Promotion Period during which customer join Hello Kitty VIP Banking 1 2 January 2018 to 31 March 2018 2 1 April 2018 to 30 June 2018 2. Eligible New Customers refers to customers who newly open Hello Kitty VIP Banking either in sole name or joint name as a primary account holder with Total Balance HK$500,000 or above (or equivalent) (includes the deposit balance of deposit accounts, latest market value of investment accounts and cash value of life insurance accounts held with the Bank) during the Promotion Period. Eligible New Customer must not maintain or cancel VIP Banking or Hello Kitty VIP Banking (either in sole name or joint name) from 1 January 2017 to 31 December 2017 (applicable to Promotion Phase 1) or from 1 April 2017 to 31 March 2018 (applicable to Promotion Phase 2). For joint account holder, the Eligible New Customers must be the primary account holders of Hello Kitty VIP i-account. Primary Account Holder refers to the Applicant mentioned in Hello Kitty VIP Banking Application Form or New Account(s) / Service(s) Application of Dah Sing Bank, Limited (the Bank ) signed by the customer. 3. The minimum average daily balance requirement of Hello Kitty VIP Banking is HK$500,000 or above (or equivalent). If the average daily balance falls below HK$500,000 in any month, a monthly maintenance fee of HK$200 or equivalent will be charged. For details, please refer to the booklet of "Bank Service Charges" of the Bank. The average daily balance includes the deposit balance of deposit accounts, latest market value of investment accounts and cash value of life insurance accounts held with the Bank. The name of the account holder must be identical to the Hello Kitty VIP i-account holder. 4. If the Eligible New Customer terminates his/ her Hello Kitty VIP Banking, or cancels his/ her Hello Kitty VIP i-account during the Promotion Period or on or before the date when all rewards are credited into his/ her Hello Kitty VIP i-account, or if he/ she does not fulfil the relevant requirements mentioned in Section B, C, D, E, F, G and H as stated below during the Promotion Period of his/her eligible Promotion Phase, the entitlement to all the relevant rewards of the Eligible New Customer will be forfeited. 5. Each Eligible New Customer, irrespective of the numbers of Hello Kitty VIP i-account he/she opened in sole name or joint name with the Bank during the Promotion Period, can enjoy each Reward once only. 6. The Bank will determine the customer's eligibility for the entitlements of all rewards based on the customer's transaction records held with the Bank. 7. All the offers and rewards are not for sale/resale, and they are non-transferable and non-exchangeable for cash, other products, services or discounts offers. Unless specially specified, customers can simultaneously enjoy all promotional offers under these terms and conditions, but all promotion offers cannot be used in conjunction with other offers of relevant services provided by the Bank. If customers are entitled to the offer in conjunction with other promotional offer(s), the Bank reserves the right to grant the customers one of or part of the entitled offers only. 8. All the offers and rewards are only applicable to Eligible New Customers who join Hello Kitty VIP Banking. 9. All the offers and rewards are not applicable to the staff of Dah Sing Financial Group and its affiliates. 10. The Bank reserves the right to amend, suspend and/or discontinue all the promotion offers and to amend the relevant terms and conditions at any time without prior notice. If there are any disputes, the decision

of the Bank on all matters shall be final and conclusive. 11. In case of any discrepancies between the English and Chinese versions of these Terms and Conditions, the English version shall prevail. B. Hello Kitty VIP Banking Instant Reward ( Instant Reward ) 1. Eligible New Customers who join Hello Kitty VIP Banking with Total Balance of HK$500,000 or above (or equivalent), and complete the new Financial Planning Analysis will be entitled to HK$100 shopping coupon ( Instant Reward ). Each Eligible New Customer can enjoy the Instant Reward once only during the Promotion Period. 2. Eligible New Customers must have an average Total Balance of HK$500,000 or above (or equivalent) 6 consecutive months since the month of joining Hello Kitty VIP Banking and maintain valid Hello Kitty VIP Banking. Customers who have received the Instant Reward but fail to meet the requirement, the Bank reserves the right to debit an administration fee of HK$100 from customer s Hello Kitty VIP i-account without any prior notice. C. Hello Kitty VIP Banking Welcome Reward ("Welcome Reward") 1. Eligible New Customers will be entitled to the Welcome Reward if their average Total Balance of 6 consecutive months since the month of joining Hello Kitty VIP Banking reach the following specified amount. Total Balance (HK$ or equivalent) Welcome Reward (HK$) $500,000 to below$1,000,000 1 Gift Card from Hello Kitty Loves Fun Banking Gift Card Set (with stored value of HK$100) $1,000,000 to below $4,000,000 1 Hello Kitty Loves Fun Banking Gift Card Set (with total stored value of HK$300) & HK$200 Cash Rebate $4,000,000 to below $8,000,000 1 Hello Kitty Loves Fun Banking Gift Card Set (with total stored value of HK$300) & HK$500 Cash Rebate $8,000,000 or above 1 Hello Kitty Loves Fun Banking Gift Card Set (with total stored value of HK$300) & HK$1,200 Cash Rebate Month of Joining Hello Kitty VIP Banking Total Balance Calculating Period January 2018 January - June 2018 February 2018 February - July 2018 March 2018 March 2018 - August 2018 April 2018 April 2018 - September 2018 May 2018 May 2018 - October 2018 June 2018 June 2018 - November 2018

2. Designated Gift Card and/or Gift Card Set will be given to Eligible New Customers and customers are not allowed to choose/exchange for other Gift Card/ Gift Card Set. Gift Card/ Gift Card Set is available while stock lasts. If the designated Gift Card/ Gift Card Set is out of stock, the Bank reserves the right to offer an alternative Gift Card/ Gift Card Set with similar value as replacement to the relevant customers without prior notice. 3. The Bank will notify the Eligible New Customers who have fulfilled the relevant requirements to collect the Gift Card and/or Gift Card Set at the designated branch and credit the Welcome Reward in the form of cash rebate into Eligible New Customer s Hello Kitty VIP i-account on or before 31 October 2018 (applicable to Eligible New Customers who join Hello Kitty VIP Banking in Promotion Phase 1) and 31 January 2019 (applicable to Eligible New Customers who join Hello Kitty VIP Banking in Promotion Phase 2). Eligible New Customers must maintain valid Hello Kitty VIP Banking Service and a Hello Kitty VIP i-account when the Gift Card and/or Gift Card Set and the Welcome Reward is credited. 4. If Eligible New Customers fail to meet the above requirements, the Bank reserves the right to forfeit or withdraw the Welcome Reward without any prior notice. 5. Each Eligible New Customer, irrespective of the numbers of Hello Kitty VIP i-account he/she opened in sole or joint name with the Bank during the Promotion Period, can receive the Welcome Reward once only.

D. Designated Banking Services Reward ( Designated Banking Services Reward ) 1. To be entitled to HK$200 Designated Banking Services Reward, Eligible New Customers are required to take up/ hold Designated Banking Services within the Promotion Phase which they join Hello Kitty VIP Banking and their average Total Balance of 6 consecutive months since the month of joining Hello Kitty VIP Banking must reach HK$1,000,000 or above. Please refer to the table below for details. Promotion Phase of joining Hello Kitty VIP Banking Deposit Account Record Designated Banking Services Without any deposit accounts (including sole name or joint 1 name account) with the Bank from 1 January 2017 to 31 December 2017 Without any deposit accounts (including sole name or joint 2 name account) with the Bank from 1 April 2017 to 31 March 2018 With any deposit accounts (including sole name or joint 1 name account) with the Bank from 1 January 2017 to 31 December 2017 With any deposit accounts (including sole name or joint 2 name account) with the Bank from 1 April 2017 to 31 March 2018 Take up/ hold at least 4 Designated Banking Services within the Promotion Phase of joining Hello Kitty VIP Banking and maintain their valid status until 31 October 2018 (applicable to Promotion Phase 1) or 31 January 2019 (applicable to Promotion Phase 2) : e-banking (must login successfully) Dah Sing Hello Kitty Credit Card Securities account Complete a new Risk Assessment Questionnaire 360 Easy Payroll Services Dah Sing Octopus App Card or Octopus AAVS Take up/ hold at least 6 Designated Banking Services within the Promotion Phase of joining Hello Kitty VIP Banking and maintain their valid status until 31 October 2018 (applicable to Promotion Phase 1) or 31 January 2019 (applicable to Promotion Phase 2) : e-banking (must login successfully) Dah Sing Hello Kitty Credit Card Securities account Login to Mobile Securities "Easy Trade" Platform Complete a new Risk Assessment Questionnaire 360 Easy Payroll Services Dah Sing Octopus App Card or Octopus AAVS Register for e-statement 2. The Designated Banking Services Reward will be given in form of cash reward. The cash reward will be credited into Eligible New Customer s Hello Kitty VIP i-account on or before 31 October 2018 (applicable to Eligible New Customers who join Hello Kitty VIP Banking in Promotion Phase 1) and 31 January 2019 (applicable to Eligible New Customers who join Hello Kitty VIP Banking in Promotion Phase 2) respectively. Eligible New Customers must maintain valid Hello Kitty VIP Banking Service and a Hello Kitty VIP i-account when the Designated Banking Services Reward is credited. 3. If Eligible New Customer fails to meet the above requirements, the Bank reserves the right to forfeited or withdraw the reward without any prior notice.

4. Each Eligible New Customer, irrespective of the numbers of Hello Kitty VIP i-account he/she opened in sole name or joint name with the Bank during the Promotion Period, can receive the Designated Banking Services Reward once only. E. Hello Kitty VIP Banking Transaction Reward ( Transaction Reward ) 1. To be entitled to HK$200 Transaction Reward, Eligible New Customers are required to complete the designated transaction within the Promotion Phase which they join Hello Kitty VIP Banking and their average Total Balance of 6 consecutive months since the month of joining Hello Kitty VIP Banking must reach HK$1,000,000 or above. Please refer to the table below for details. Designated Transactions Conduct a buy/sell transaction of Hong Kong listed securities, Shanghai A Shares and/or Shenzhen A Shares Enroll in any of the following Wealth Management products with at least HK$100,000 (or equivalent) accumulated transaction amount in a single wealth management product type: Lump sum subscription of Investment Fund (the initial charge levied to the customers should not be less than 1.5% for class A funds), and excluding Investment Fund switching and subscription transaction of Investment Fund Savings Plan; or Subscription of Equity Linked Investment; or Subscription of Bond (excluding Bonds subscribed through Initial Public Offering); or Set up Currency Linked Premium Deposit (with tenor not less than 14 days); or Set up Currency Linked Principal Guaranteed Deposit; or Placement of Currency Switching Enroll in designated General Insurance plans (including JourneySure Annual Travel Insurance Plan, HomeSure Household Insurance Plan, MaidSure Domestic Helper Insurance Plan) 2. The Transaction Reward will be given in form of cash reward. The cash reward will be credited into Eligible New Customer s Hello Kitty VIP i-account on or before 31 October 2018 (applicable to Eligible New Customers who join Hello Kitty VIP Banking in Promotion Phase 1) and 31 January 2019 (applicable to Eligible New Customers who join Hello Kitty VIP Banking in Promotion Phase 2) respectively. Eligible New Customers must maintain a valid Hello Kitty VIP Banking Services and a Hello Kitty VIP i-account when the Transaction Reward is credited. 3. If Eligible New Customer fails to meet the above requirements, the Bank reserves the right to forfeited or withdraw the reward without any prior notice. Each Eligible New Customer, irrespective of the numbers of transaction completed with the Promotion Period, can receive the Transaction Reward once only. F. Hello Kitty Theme Car Rental Privilege 1. Eligible New Customers who maintain Total Balance of HK$500,000 or above (or equivalent) and conduct 1 single foreign exchange transaction reaching HK$20,000 or above (or equivalent) in the month within the Promotion Phase they join Hello Kitty VIP Banking can enjoy a maximum of 60 days advance booking of the Hello Kitty theme car rental service in the following month. 2. Other Hello Kitty VIP Banking customers who maintain Total Balance of HK$500,000 or above (or

equivalent) and conduct 1 single foreign exchange transaction reaching HK$50,000 or above (or equivalent) in a month can enjoy a maximum of 60 days advance booking of the Hello Kitty theme car theme car rental service in the following month. 3. For details and the relevant terms and conditions of the Hello Kitty Car Rental Privilege, please refer to www.dahsing.com/card/hellokitty. G. Wealth Management Services Privileges 1. For details and the relevant terms and conditions of the rewards for Wealth Management Services, please refer to the promotion leaflet of Investment Services Offer, visit www.dahsing.com/investment or contact the Customer Services Officers at the Investment Service Section of the Bank. 2. For details and relevant terms and conditions of Securities Services rewards, please refer to the promotion leaflet of Securities Services or visit www.dahsing.com/securities. H. Other Banking Services Privileges 1. For details and the relevant terms and conditions of 360 Easy Payroll Services Offer and the latest promotion offers, please refer to the relevant promotion leaflet or visit at www.dahsing.com/payroll/en. 2. Safe Deposit Box Service is available at the following branches: Admiralty Centre, Fortress Hill, Jordan, Mongkok, Tseung Kwan O Metro City Plaza, Shatin, Fanling and Yuen Long Castle Peak Road. For further details and the relevant terms and conditions, please contact VIP Banking Service Hotline at 2828 8128. RISK DISCLOSURE Securities Services 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 details of Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect, please refer to the relevant promotional materials which include the risk of investment via Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect. Currency Switching Investment involves risks. You could lose your entire investment. Foreign currency investments are subject to exchange rate fluctuation which may provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Before making any investment decision, you should consider your investment experience, investment objectives and risk tolerance level and read carefully the relevant product leaflet and relevant offering documents in order to understand the nature of and the risks associated with Currency Switching. The deposit with FX forward contract set up through Currency Switching is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

Currency Linked Premium Deposit Transaction of Currency Linked Premium Deposit is complicated and involves risks of loss. You should refer to the relevant offering documents and understand the nature and risks involved of this investment product before investing in Currency Linked Premium Deposit. Currency Linked Premium Deposit is not equivalent to time deposit, not principal-protected and should not be regarded as a substitute for time deposit. Currency Linked Premium Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. Currency Linked Principal Guaranteed Deposit Currency Linked Principal Guaranteed Deposit is a structured investment product and is not equivalent to time deposit. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong. This product is only principal protected if customers hold it till maturity. Regarding the product details of Currency Linked Principal Guaranteed Deposit, please refer to the relevant offering documents. Equity Linked Investment Equity Linked Investment is not equivalent to time deposits and is not principal protected. You could lose your entire investment. Regarding the product details and risk disclosure of Equity Linked Investment, please refer to relevant offering documents. If you have any questions on the nature and related risks of this investment product, you should seek necessary and appropriate professional advices before making your investment decision. Investment Fund Service Investment involves risks. The price of funds fluctuates, sometimes dramatically. The price of fund 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 funds. Past performance is no guide to future performance. Before making any investment decision, investors should consider their investment experience, objectives and risk tolerance level and read carefully the terms and conditions and the risk factors contained in the relevant offering documents. If investors are in doubt about the nature of or the risks associated with this investment product, investors should obtain any necessary and appropriate professional advice before investing. Bond Bond is an investment product. Investment involves risks. The price of bonds may move up or down, or even become valueless. Losses may be incurred as well as profits made as a result of bond investments. Past performance of a bond is no guide to its future performance. Holders of a bond bear the credit risk of the issuer and other associated risks. Before making any investment decision, investors should consider their investment experience, objectives and risk tolerance level and read carefully the terms and conditions and the risk factors contained in the relevant offering documents. If you are in doubt about the nature of or the risks associated with this investment product, you should obtain necessary and appropriate professional advice before investing. Foreign Currency Trading Investment involves risks. Foreign currency investments are subject to exchange rate fluctuation which may

provide both opportunities and risks. The fluctuation in the exchange rate of foreign currency may result in losses in the event that the customer converts the foreign currency into Hong Kong dollar or other foreign currencies. Foreign currency rates of exchange may adversely affect the value, price or income of any security or related investment mentioned in this document. This document does not purport to identify all the risks that may be involved in the product or investments referred to in this document. Before making investment decision, investors should read and understand the offering documents of such products, including but not restricted on the risk disclosure statement and health warning. Currency Risk Disclosure Exchange of 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. IMPORTANT NOTES Currency Switching, Currency Linked Premium Deposit, Currency Linked Principal Guaranteed Deposit, Equity Linked Investment, Investment Fund Service and Bonds are investment products. Some Investment Funds, Currency Linked Premium Deposits, Currency Linked Principal Guaranteed Deposits, Equity Linked Investments and some Bonds are structured products involving derivatives. This investment decision is yours but you should not invest in this product unless Dah Sing Bank, Limited has explained to you that this product is suitable for you having regard to your financial situation, investment experience and investment objectives. Unless the context requires otherwise, this document does not constitute any offer, invitation or recommendation to any person to enter into any investment/ securities transaction nor does it constitute any prediction of likely future movements in prices of any investment products/ securities. This document has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong. To borrow or not to borrow? Borrow only if you can repay! Dah Sing Bank, Limited