Terms and Conditions: (1) For a loan amount of HKD700,000 or above, the annualised percentage rate of 2.91% is calculated based on a monthly flat rate of 0.13% and a 12-month repayment period, including the full handling charge waiver. The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result. (2) From now until 24 February 2016 ("Promotion Period"), customers who have successfully applied for Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up Loan) via hangseng.com/loan, Hang Seng Personal e-Banking or Hang Seng Mobile Application and drawn down the loan with a minimum loan amount of HKD50,000 and repayment period of 12 months on or before 3 March 2016 are eligible for up to HKD800 Cash Rebate. If the loan amount is HKD50,000 or above and below HKD200,000, customer will be entitled to HKD200 cash rebate; If the loan amount is HKD200,000 or above and below HKD500,000, customer will be entitled to HKD500 cash rebate; if the loan amount is HKD500,000 or above, customer will be entitled to HKD800 cash rebate. The cash rebate will be credited to customer's repayment account within 2 months after the loan drawdown without prior notice. Customers must have no record of default or early settlement of their instalment loans. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/ she shall return the rebate in full to Hang Seng upon settlement of the loan. Each eligible customer can only enjoy the offer once during Promotion Period. Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the terms and conditions thereof without prior notice. (3) The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases. (4) Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48 or 60 months repayment period. (5) Customers are eligible to apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form. (6) Applicable to customers applying for Handy Cash Personal Instalment Loan via Hang Seng Personal e-Banking with all the required information during specific hours (Monday to Friday: 9am-12pm, except Saturdays and public holidays). Customers are required to specify a valid Hang Seng Bank account during the application. Processing time for cash disbursement starts only when the loan is finally approved by Hang Seng. Generally, the loan amount will be available on the same day upon the loan is approved and granted. The processing time is subject to change in accordance with the circumstances of individual cases. (7) No person other than the customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions. (8) These terms and conditions are subject to prevailing regulatory requirements. (9) These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.