General Terms and Conditions: • All the offers are not applicable to commercial customers, employees of Hang Seng Bank Limited ("the Bank") or any party who are enjoying staff offers of the Bank. • The Bank reserves the right to suspend, vary or terminate this promotion and the relevant offers at any time and to amend the relevant terms and conditions from time to time without prior notice. • The decision of the Bank on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned. In case of any dispute, the decision of the Bank shall be final. • Hang Seng Credit Card Cash Dollars ("Cash Dollars") will be credited to the Hang Seng Prestige World MasterCard account of each Eligible Customer. If an Eligible Customer does not have a Hang Seng Prestige World MasterCard, the Cash Dollars will be credited to the Hang Seng Credit Card account with the highest Cash Dollars balance. If an Eligible Customer has one or more than one Hang Seng Credit Card account with an outstanding Advance Cash Dollars balance, the Cash Dollars will be credited into such Credit Card account with the highest outstanding Advance Cash Dollars balance at that time. Eligible Customer who does not have any applicable Hang Seng Credit Card Principal Card can make enquiries to the Bank and apply for one. The application must be successfully approved one month before the crediting of the relevant Cash Dollars in order to be eligible for the Cash Dollars offer. If the application for the credit card is not approved, the Eligible Customer will not be offered any Cash Dollars. Upon the crediting of the Cash Dollars, the relevant Credit Card account must still be valid and with a good credit record. The offer is not applicable to any Hang Seng Supplementary Card, Business Card, Commercial Card, USD Visa Gold Card, UnionPay RMB Diamond Commercial Card, Renminbi Credit Card, Spending Card, e-shopping MasterCard, or Private Label Card. The Cash Dollars cannot be transferred or converted into cash. The use of Cash Dollars is subject to the terms and conditions of the Hang Seng Credit Card Membership Rewards Programme. For details, please call the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline at 2998 6899. • No person other than the Eligible Customers and the Bank (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 provision of these terms and conditions. • These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region. • These terms and conditions are subject to prevailing regulatory requirements. • In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail. 1. Hang Seng Bupa PreciousHealth Series Health Insurance Scheme – Excel Health Insurance Scheme – Terms and conditions of up to HKD 600 cash coupons • This offer is applicable to the customers who has successfully applied for the Excel Health Insurance Scheme under the Hang Seng Bupa PreciousHealth Series Health Insurance Scheme via Hang Seng Personal e-Banking during the promotion period. Details of the terms and conditions in relation to the offer, please visit www.hangseng.com/medicaloffer or you may also approach our branch. • The Bank and Bupa (Asia) Limited ("Bupa") reserve the right to suspend, vary or terminate this promotion and the relevant offers at any time and to amend the relevant terms and conditions from time to time without prior notice. The decision of the Bank and Bupa on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned. In case of any dispute, the decision of the Bank and Bupa shall be final. 2. Hang Seng Bupa PreciousHealth Series Health Insurance Scheme – Excel Health Insurance Scheme – Terms and conditions of $150 Cash Dollars • This offer is only applicable to the selected customers of the Integrated Account of Prestige Banking ("Prestige Banking") ("Eligible Customers"). • $150 Cash Dollars will be rewarded to Eligible Customers who enrol the Excel Health Insurance Scheme or Excel Plus Health Insurance Scheme under the Hang Seng Bupa PreciousHealth Series Health Insurance Scheme, through the Prestige Banking and via Hang Seng Personal e-Banking or Call Center Hotline from 1 March 2017 to 31 May 2017 ("Promotion Period"). • In case the relevant Prestige Banking is a joint-named account, only the primary account holder can enjoy the offer. • Eligible Customers can get a maximum of $150 Cash Dollars once only. 3. Terms and conditions of the offer for Home Care Plus Home Insurance Plan • For detailed information about the offers please visit www.hangseng.com/home or you may also approach our branch. • The Bank and QBE General Insurance Hong Kong Limited ("QBE GIHK") reserve the right to suspend, vary or terminate this promotion and the relevant offers at any time and to amend the relevant terms and conditions from time to time without prior notice. The decision of the Bank and QBE GIHK on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned. In case of any dispute, the decision of the Bank and QBE GIHK shall be final. 4. Exclusive offer – Terms and conditions of extra $400 Cash Dollars • This offer is only applicable to the selected customers of Prestige Banking ("Eligible Customers"). • Eligible Customers who successfully enrol the insurance plan/scheme mentioned on 2 and 3 above from 1 March 2017 to 31 May 2017 ("Promotion Period"), can earn an extra $400 Cash Dollars. • In case the relevant Prestige Banking is a joint-named account, only the primary account holder can enjoy the offer. • Each Eligible Customer can only get $400 Cash Dollars once. 5. The FutureEnrich Life Insurance Plan – Terms and conditions of the offer • For information about the offers, the actual policy for the exact terms, conditions and exclusions of The FutureEnrich Life Insurance Plan, please approach our branch staff, refer to the product leaflet or factsheet and the policy of the respective plans will be considered as final. 6. Arrangement for the Cash Dollars offers 2 and 4 (as mentioned above) – Terms and conditions • The Bank will credit the Cash Dollars that Eligible Customers can earn ($150 and/or $400) to their eligible Hang Seng Credit Card Principal Cards on or before 31 October 2017. • If an Eligible Customer does not have any eligible Hang Seng Credit Card, the Bank will arrange Cash Reward with the amount equivalent to Cash Dollars. • If Eligible Customers cancel the insurance plan/scheme within 12 months from the date of receiving the Cash Dollars/Cash Reward, the Bank reserves the right to deduct the amount from the Eligible Customer's account at the Bank which is equivalent to the amount of Cash Dollars/Cash Reward without prior notice to customers. • Cash Reward will be credited to Eligible Customer’s HKD Savings Account or HKD Current Account of Prestige Banking. • Prestige Banking must remain valid and Eligible Customer shall hold the insurance plan/scheme (as mentioned on 2 and 3 above) at the time the offers are being rewarded. If by then Eligible Customers have terminated the relevant Prestige Banking or transferred to other banking account other than Prestige Banking or cancel the insurance plan/scheme (as mentioned on 2 and 3 above), the Bank reserves the right to deduct from any account(s) of the Eligible Customers maintained with the Bank for the amount equivalent to the value of the rewards without prior notice.