“Personal Instalment Loan Extra Reward Limited Time Offer “ Terms and Conditions

1. The promotional period commences from 1 October 2018 until 31 December 2018, both dates inclusive (the “Promotional Period”).
2. Customers who successfully apply for Personal Instalment Loan (“Loan”) via designated promotion website of DBS Bank (Hong Kong) Limited (the “Bank”) during the Promotional Period and draw down the approved Loan on or before 15 January 2019 will be entitled to the following rewards:
   
   1. Up to HK$4,800 interest discount (“Interest Discount”)
      Interest Discount entitled by a customer is 0.01% monthly flat rate interest discount. Up to HK$4,800 interest discount is calculated based on a loan amount of HK$800,000 and instalment period of 60 months.
   2. Up to HK$500 supermarket cash coupons (“Coupons”)
      Amount of Coupons entitled by a customer depend on the loan amount applied for and draw down, the details are set out as below:

      Loan Amount	Coupon Amount
      HK$100,000 to HK$199,999	HK$200
      HK$200,000 to HK$499,999	HK$300
      HK$500,000 or above	HK$500

   3. Extra HK$100 Coupons.
3. Interest Discount entitled by an eligible customer will be deducted from the final interest rate approved. A redemption letter will be sent to the eligible customer by mail within 3 months after the end of the Promotional Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
4. The Coupons are only applicable to customers whose Loan accounts are in good standing and not in default (as determined by the Bank at its sole discretion). If the customer’s credit standing is unsatisfactory or the customer early repays the full amount of the Loan, the Bank reserves the rights to stop issuing the Coupons or deduct the face value of the Coupons awarded to the customers from the relevant Loan account without prior notice.
5. A person who is not a party to these terms and conditions may not enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong).
6. The Bank may modify or terminate the promotion and/or change these terms and conditions. The Bank’s decision is final.
7. The English version shall prevail if there is any inconsistency between the English and Chinese versions.