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 14 November 2008. 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 4% 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% of the revolving loan amount (minimum HK$200) will be levied per annum.

Customer who has successfully applied for Cashline Revolving Loan during the promotion period of 1 December 2008 to 31 January 2009 through "Proceed Online Application" via DBS's website www.dbs.com/hk/loans and fully drawdown the loan when setting up the loan account will be eligible for i) HKD100 PARKnSHOP Gift Coupon ("Gift Coupon") and ii) one entry to the Elegant wine cellar lucky draw. Each eligible customer is entitled to one lucky draw entry only. For details, pls refer here.

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.

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 modify, discontinue or terminate the Promotion Offer and/or amend these Terms and Conditions at anytime without prior notice. 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 Bank reserves the right to terminate the loan offer at any time. The approval of the final interest rate and loan amount is subject to the financial condition of customer..