WELCOME OFFER TERMS AND CONDITIONS:

1. The welcome offer is only available to applicants who submit the CABLE Power VISA Application Form (“Application Form”) to DBS Bank (Hong Kong) Limited (“Bank”, which expression shall include its successors and assigns) on or before 30 September 2012 (“Offer Ending Date”) and submit all supporting documents required by the Bank and have successfully applied to be the principal cardholder of CABLE Power VISA (“New Card”) to be issued by the Bank within one month from the date of application.
2. You shall indicate your choice of the welcome offer on the Application Form. Once such selection has been made, it cannot be changed.
3. If you have not indicated your choice or you have indicated more than one choice as to what you would like to receive under the welcome offer in the Application Form, you will automatically be assigned HK$200 Starbucks Gift Certificate (i.e. HK$25 Starbucks Gift Certificate x 8 pieces) as your welcome offer.
4. If you have successfully applied for more than one New Card with the Bank by submitting multiple Application Forms to the Bank, you will only be entitled to redeem ONE welcome offer ONCE in respect of all applications submitted before the Offer Ending Date.
5. Any fraud and/or abuse of the welcome offer (as determined by the Bank at its sole discretion) will result in forfeiture of your entitlement to the welcome offer and/or cancellation of all or part of your account(s) with the Bank. The Bank reserves the right to deduct an amount equivalent to the value of any gift or reward awarded to you inappropriately pursuant to any fraud and/or abuse directly from your account(s) held with the Bank without prior notice and/or to take legal action in such instances to recover any such amounts.
6. The Bank reserves the right to vary these terms and conditions and/or to change or terminate the welcome offer. In the event of any dispute, decision of the Bank shall be final and binding.
   
7. Should there be any discrepancy or inconsistency between the English version of these terms and conditions and the Chinese version, the English version shall prevail.
   

Terms and Conditions applicable to applicants who have selected any one of LG 5.1CH DVD Home Theatre System (Model: HT305SU) or HK$200 Starbucks Gift Certificate (i.e. HK$25 Starbucks Gift Certificate x 8 pieces) (“Welcome Gift”)

8. Redemption / Purchase of the Welcome Gift is only available to applicants who do not currently hold or have not in the 6 months prior to the date of application for the New Card held and/or cancelled CABLE Power VISA Gold Card or CABLE Power Visa Classic Card issued by the Bank (whether a principal card or supplementary card).
9. You must accumulate retail spending and/or cash advance (“Eligible Spending”) in the amount of HK$4,800 or above (“Spending Requirement”) within 2 months of the New Card issuance date (“Spending Period”) to be eligible to redeem/purchase the Welcome Gift at the designated special price or by taking out an interest-free instalment loan.
10. Only posted Eligible Spending transactions are to be counted towards fulfillment of the Spending Requirement (for Eligible Spending transactions being settled with an instalment loan, only posted monthly instalments shall be counted). The following types of transactions shall not be considered as Eligible Spending: cash advance handling/administration fees, casino chips, foreign exchange, finance charges, reversed transactions, late charges, credit card annual fee, Call-a-loan, Balance Transfer, Funds Transfer, Fee Based Instalment, tax payment, other bill payment transactions made via JETCO/Internet/24-hour Customer Services Hotline or other available means, transactions that have been subject to cancellation, charge-back, return of goods and/or refund and any other categories of transactions specified by the Bank from time to time.
11. Fulfillment of the Spending Requirement shall be calculated based on Eligible Spending transactions conducted with each New Card successfully applied before the Offer Ending Date. If you have successfully applied for more than one New Card, Eligible Spending transactions conducted with different New Cards cannot be combined for the purpose of calculating fulfillment of the Spending Requirement.
12. If you are able to meet the Spending Requirement within the Spending Period, you will receive a gift redemption letter within 4 weeks after the Spending Requirement is met for you to redeem/purchase the Welcome Gift at the designated redemption centre(s) in person. Further details and terms and conditions of redemption/purchase the Welcome Gift will be set out in the gift redemption letter.
13. If you purchase the Welcome Gift by taking out an interest-free instalment loan, you are deemed to have read and accepted the Card Interest-Free Instalment Loan Terms and Conditions and shall be bound by them.
14. The Welcome Gift is available while stocks last. If stock of the Welcome Gift has ran out, the Bank has the right to provide you with an alternative gift without further notice.
15. The Bank is not the supplier of the Welcome Gift or the description, photos or reference price (if any) in relation to the Welcome Gift published in our marketing materials (which are intended to be for reference only). Any enquiry, claim or complaint in relation to the quality or availability of the Welcome Gift or the accuracy of any of the aforementioned information contained in our marketing materials shall be directed to the relevant supplier. The Bank shall assume no liability in respect thereof.

16. The Call-a-loan is only available to applicants who do not currently hold or have not in the 6 months prior to the date of application for the New Card held and/or cancelled any DBS Credit Card or its co-branded card issued by the Bank.
17. If you have selected the Call-a-loan, you are deemed to have read and accepted the Terms and Conditions of “Call-a-loan” Service and shall be bound by them.
18. In respect of the account to which the Call-a-loan should be transferred, you must submit to the Bank a copy of a bank statement (except online statement) or the first page of a passbook showing the bank’s name, your name and the relevant account number. Joint accounts will not be accepted to receive the Interest-free Cash. If the Bank does not receive such information, the Bank will not be able to process your application for Call-a-loan.
19. You hereby authorize the Bank to debit the loan amount and any applicable fees and charges in relation to the provision of the Call-a-loan from the New Card account (no matter you have activated your New Card or not). If you terminate the New Card for any reason, you shall repay in full any amount due in your applicable credit card account, including the total outstanding balance of Call-a-loan (including the loan amount and interest), finance charge (if applicable) and all applicable fees and charges.
20. The loan amount of Call-a-loan must be at least HK$5,000, but such amount (plus any interest, fees, charges and any additional loan amount allowed) must not exceed 80% of the credit limit of the New Card account or HK$100,000 (whichever is lower).
21. Monthly flat rate of 0.33% is calculated based on 6-month repayment tenor. Annualized percentage rate is 6.80%. Annualized percentage rate is calculated according to the guidelines as set out in the Code of Banking Practice. The Bank will charge a handling fee of HK$80 for each successful Call-a-loan application, which will be deducted from the New Card account once the credit card is approved.
22. The loan amount will normally be disbursed to your designated Hong Kong dollar bank account opened in Hong Kong within 3 working days after Call-a-loan approval with a Loan Confirmation Letter sent to you.
23. The Call-a-loan is only available to applicants whose credit card accounts are in good standing. If the account status has changed, the Bank reserves the right to terminate the Call-a-loan and charge all outstanding to the applicable credit card account immediately without prior notice.
24. If you early repay the entire loan, applicant is required to pay the Bank all outstanding principal amount of the loan and interest up to the next monthly repayment date and a handling charge in accordance to clause 14 of the Terms and Conditions of “Call-a-Loan” Service. The handling charge is equal to the difference of the following two amounts: (a) total interest (calculated based on the interest rate on the “Loan Confirmation Letter”) for all instalments originally you applied for and (b) total interest posted to the applicable credit card account.