Terms and Conditions

1.Successfully apply on or before December 31, 2006, applicants who accumulate a retail spending or cash advance of HK$2,800 or above within first 2 months from card issuance are eligible for a Snoopy Limited Edition Rice Cooker for FREE. The welcome gift redemption letters will be sent to Principal Cardholders within one month upon card spending. The status of account should be normal. This offer is only applicable to Principal Cardholder. Each Principal Cardholder can receive only ONE welcome gift while stock lasts. 2.Snoopy Personalized Octopus Card is only offered to Principal Cardholder. Successful applicant can apply for a Snoopy Personalized Octopus Card for free if he / she maintains an outstanding balance of HK$1,000 or above with payments not exceeding minimum payments for 6 consecutive statement cycles starting from the 2nd statement cycle upon Personalized Octopus Card issuance date. A handling fee of HK$120 will be charged to the Principal Cardholder's account if he / she fails to meet the above requirement. 2.1 The spending of Supplementary Cardholder is counted towards the Principal Cardholder's record. 2.2 For Principal Cardholder who is using “Octopus Automatic Add-Value" Service, he / she has to cancel the service if he / she wishes to apply for Snoopy Personalized Octopus Card. If the snoopy Personalized Octopus Card is lost or malfunctions, no replacement card will be issued. 2.3 Snoopy Personalized Octopus Card is not applicable to other family members using “Happy Family” Octopus Automatic Add-Value Service.The current daily automatic add-value amount is HK$250. 2.4 There is no application fee for all first time Applicants for the AAVS. For existing users of the AAVS, OCL will charge a non-refundable handling fee of HK$20 for transferring the AAVS from one bank to another, or reactivation of the AAVS following suspension. Such fee(s) will be debited from Cardholder's Snoopy Credit Card account. 3. "Cash-in Plan": This plan is only applicable to Principal Cardholder (excluding Supplementary Cardholder). No Bonus Point will be awarded for this Plan. Please refer to the promotional leaflet for the updated handling fee. "Cash-in Plan" is only applicable to local personal bank account holder and is not applicable to joint accounts. 4. Bonus Point Scheme -- Spending includes retail transactions and Octopus AAVS amount only, excluding cash advance, casino transaction, Balance Transfer amount, bank handling fees (annual fee, financial charges, late charges and cash advance handling charges) ,bill payment amount, Happy Installment amount ,"Cash-in Plan" amount, Interest-free Installment transaction, Happy Tax Program amount and unposted/cancelled transactions/transactions eventually returned and all unauthorized transactions. 5. To enjoy the offers, Cardholder must present Snoopy Credit Card upon purchase and settle the payment with the Card. All offers are valid until December 31,2006 (unless specify) .For details, please refer to the year-round offer leaflet, which will be sent with the Card to Cardholder. 6. "Happy Installment” is only applicable to transaction(s) (combined transactions apply) valued at HK$800 or above. All combined transactions must be made under the same Card account. Cardholder needs to apply within 7 days after the transaction and keep the related sales slip(s) for proof. Dah Sing Bank has the right to accept or reject an installment plan application without the need to provide reasons. In case of any dispute, the decisions of Dah Sing Bank shall be final. This installment plan shall be subject to the terms and conditions of "Happy Installment" and the related terms and conditions can be downloaded from Dah Sing website ( www.dahsing.com), or call 2828 8002 for details. 7. A handling fee 3% of the posted amount or a minimum of HKD55 (whichever is higher) will be charged. HKD20 will be charged for each cheque book. 8. Comprehensive E-banking Services: For payment with Snoopy Credit Card, a service fee of 1% of the payment amount will be charged. For information of the merchant list, please visit Dah Sing website(www.dahsing.com). No Bonus Point will be awarded for the e-banking services.