“Everybody can have his/her wishes fulfilled! My happiness is higher than the sky!” To have one’s dreams fulfilled, it is essential to lay a solid foundation and keep working hard. MEVAS Bank introduces the first of its kind Doraemon Kids Savings Account in Hong Kong, so that Doraemon and his friends can accompany your kids in cultivating a good habit of saving and enhance children’s interest in saving, thus helping your kids learn the proper financial mindset.

Doraemon Coin Bank Size：8 inch (H)

• place a Privileged HKD Fixed Deposit—“Step-up Interest Rate Series”, to enjoy preferential interest rate up to 2.83% p.a. ²
• open a 3-month HKD Fixed Deposit Account to enjoy an extra 0.1% p.a. interest rate mark-up ³
• successfully subscribe designated Savings Protection Plans to enjoy a maximum cash reward of HK$688 ⁴
• newly open a Securities Account to enjoy online “$0 Securities Trading Brokerage Fee” for the first month and 500 free quotes per month of Real-time Stock Quotes Services ⁵
  

Doraemon 2 in 1 Storage Chair Size：29(L) x 29(W) x 31(H)cm

1. 1. Customer, who newly opens a Doraemon Kids Savings Account with initial deposit of HK$5,000 from now till 30 June 2010 (the “Promotion Period”), will be entitled to a free Doraemon Coin Bank. Customer must maintain the initial deposit at the respective account for the 1st month from account opening date. Otherwise, MEVAS Bank (the “Bank”) reserves the right to debit handling charges of HK$300 from the respective account without prior notice. This offer is only applicable to customer who does not maintain any Doraemon Kids Savings Account in the past 6 months.
2. Customer, who places a “Privileged HKD Fixed Deposit account”—“Step-up Interest Rate” Series with new fund between HK$100,000 and HK$10,000,000 on or before 31 March 2010, is entitled to enjoy the above interest rate offer and an extra gift will be offered. Interest rate of 2.83% p.a. is based on The Bank HKD 12-month fixed deposit board rate of 0.33% p.a. + 2.50% p.a. as of 24 December 2009 and is for reference only. This offer is not applicable to Fixed Deposit account opened through e-Banking service. The fixed deposit board rate and the mark-up interest rate are subject to change according to the market environment. The interest rate offered to customers is based on the interest rate provided by the Bank during account opening. For offer details and terms and conditions, please refer to the respective leaflet or contact our Bank staff at any Bank branch
3. During the Promotion Period, customer, who opens a 3-month HKD Fixed Deposit account with new fund between HK$100,000 and HK$10,000,000, is entitled to enjoy the above interest rate offer and an extra gift will be offered. The interest rate offered will be based on an interest rate markup of 0.10% p.a. on top of the Bank HKD 3-month fixed deposit board rate. The final interest rate is capped at the respective month's HIBOR + 0.1% p.a.. This offer is not applicable to Fixed Deposit account opened through e-Banking service. The interest rate for subsequent fixed deposit renewals will be based on the prevailing interest rate offered by The Bank. The above offer cannot be used in conjunction with any other promotional offer of The Bank. For offer details, please contact our Bank staff at any Bank branch.
4. Customer, who successfully subscribes the designated Savings Protection Plans before 31 March 2010, is entitled to a maximum cash reward of HK$688 and an extra gift will be offered. Customers will receive the redemption letter(s) after the cooling off period. If customer cancels the policy during the cooling off period, no offers will be applied. Regarding the terms and conditions of the cooling off period, please refer to the letter enclosed with the policy. The above policy is underwritten by Dah Sing Life Assurance Company Limited. The Bank is an insurance agent authorized by Dah Sing Life Assurance Company Limited. Regarding the coverage, detailed clauses, rules and exclusions of the designated Savings Protection Plans, please refer to the policy or contact our Bank staff at any MEVAS Bank branch.
5. Customer, who opens Doraemon Kids Savings Account and securities account at the same time before 28 February 2010, is entitled to enjoy the Brokerage Fee offer and an extra gift will be offered. "$0 Securities Trading Brokerage Fee" is offered to customers in the first one month of the securities account opened from the securities account open date to the end of first month date, both dates inclusive. “$0 Securities Trading Brokerage Fee" offer is only applicable to trades conducted via internet, trades conducted via other channels are not eligible to this offer. There is no limit on the number of trades, while the maximum accumulated transaction amount is HK$5 millions. Customers who are eligible to "$0 Securities Trading Brokerage Fee" are required to pay brokerage fees upfront at the standard rate (0.25% of transaction amount, minimum HK$100). The waived brokerage amount will be reimbursed to customers’ settlement account in form of cash rebates within 2 months after the promotion period of "$0 Securities Trading Brokerage Fee" offer. Customer must maintain the relevant securities account and settlement account at the time of reimbursement for such rebates. Customer should register the i-Securities Real-time Stock Quotes Services. For service details and terms and conditions, please contact securities service hotline at 2828 7028.
6. New fund are defined as fund newly deposited at the Bank, using a cheque drawn on other bank, inward CHATS or T/T during the Promotion Period and excluded fund transfer from the existing Dah Sing Bank / MEVAS Bank account.
7. Customer, who successfully opens a Doraemon Kids Savings Account, will receive the welcome gift redemption letter within 2 months after account opening; whereas the redemption letter(s) of the extra gift(s) (if applicable) will be sent within 2 months after the Promotion Period. Customer should bring along the original copy to designated redemption centre to redeem the extra gift(s). The Bank reserves the right to offer any alternative gift and replacement if the gift(s) are not available. There may be discrepancies between the gift and the photo displayed. The Bank is not the gift/cash coupon supplier and makes no representations or guarantees as to the quality of the products provided by the suppliers of the gift items/cash coupons in this promotional campaign. The gifts/cash coupons cannot be redeemed for cash. Any disputes or complaints in respect of the gifts/cash coupons should be directed to the supplier.
8. The Bank reserves the right to amend these terms and conditions or cancel this programme at anytime without prior notice. In case of any dispute, the decision of the Bank shall be final and conclusive.
   

General Remarks:

1. The Doraemon Kids Savings Account applies to children aged under 18 only.
   
2. Regarding the details of “Parents’ Spending Becomes Children’s Rewards” Scheme (the “Scheme”), customers are required to apply for a Doraemon credit card (the “Credit Card”) at the same time and choose to deposit the cash rebates to the designated Doraemon Kids Savings Account. Credit Card holders must either be the kid’s father, mother or guardian and is required to open a Kids Savings Account with the kid at the same time and be the account holder of that Kids Savings Account. Cash rebates of each credit card can only be deposited into three Kids Savings Accounts. Cash rebates gained by both the principal and supplementary cards will be deposited into the designated Kids Savings Account. Please contact our Bank’s staff for the Scheme’s details.
   
3. Please see “Savings Accounts” in MEVAS Bank’s Bank Service Charges for details about account charges and other applicable fees and charges. For inquiries, please contact our staff at the branches.
   
4. The Bank reserves the right at any time to change or cancel the offer and to amend the terms and conditions without prior notice. In case of dispute, the decision of the Bank shall be final.
5. Should there be any discrepancy between the English version and Chinese version of these terms and conditions, the English version shall prevail.