The Prime Rate ("P") is the Hong Kong Dollar Prime Rate of DBS Bank (Hong Kong) Limited (the "Bank"). The Prime Rate of the Bank is 5.25% as of 31 Mar 2010. The Annualized Percentage Rate ("APR") is calculated according to the relevant guidelines set out in the Code of Banking Practice. The interest rate will vary whenever the Prime Rate of the Bank changes. Interest is calculated on the basis of a 365-day year.

In case of any late repayment, the interest rate will automatically be switched to the corresponding interest rate of the 7th month onwards plus 5% per annum surcharge commencing on the late repayment date.

Promotion Period of the preferential interest rate ends on the statement date of the 6th monthly statement.

An annual fee will be levied for Cashline Account. The 1st year annual fee will be waived and from the 2nd year onwards, 1.5% of the revolving loan amount (minimum HK$200) will be levied per annum.

Professionals can apply for a higher loan amount subject to the discretion of the Bank. For details, please contact our branch staff. Professionals as defined by the Bank include: registered architects, chartered accountants, chartered surveyors, dentists, medical doctors, pharmacists , chartered engineers and chartered lawyers.

In order to be eligible for the credit limit of up to 8 times of monthly salary, customer must provide bank account information under “Direct Credit Authorization” section of the application form. Regardless of the final approved amount of credit limit, the Bank shall upon the facility being approved, immediately draw down the full amount of approved credit limit and credit to the designated account provided by the customer.

The approval of the final interest rate and loan amount are subject to the financial condition of customer.

HK$200 PARKnSHOP Cash Coupon (“Promotion Offer”) is only applicable to customers who have successfully applied the Cashline Revolving Loan during the Promotion Period (valid from now until 31 August 2010), and draw down the full amount of approved credit limit when setting up the Cashline Revolving Loan Account (“Cashline Account”). In order to be eligible for the Promotion Offer, customers must maintain an average loan balance of 50% or above of the approved credit limit within 1 month from the Cashline Account set up date. Redemption Letter for PARKnSHOP Cash Coupon will be sent to customer by mail within 2 months after Cashline Account opening. The use of PARKnSHOP Cash Coupon is subject to its "Terms and Conditions". Any enquires should be made to PARKnSHOP directly.

The Bank has the absolute discretion in approving the loan applied by the customer and in determining the eligibility of the customer for the Promotion Offer.

The Bank reserves the right to vary the Terms and Conditions, change or terminate the Promotion Offer. In the event of disputes, the decision of the Bank shall be final and conclusive.

If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

The daily interest calculation of Cashline is based on the loan amount requested and promotional rate for the 1st 6 months. For details, please refer to the Cashline interest rate table.

The Bank reserves the right to terminate the loan offer at any time and final approval of the loan application. The approval of the final interest rate and loan amount is subject to the financial condition of customer.