Terms and Conditions for the “Money Safe Time Deposit Offer: +0.2% p.a. bonus time deposit interest rate”

1. The promotion period for the “Money Safe Time Deposit Offer: +0.2% p.a. bonus time deposit interest rate” (this “Promotion”) is from 1 September 2026 to 31 December 2026, both dates inclusive (“Time Deposit Promotion Period”).
2. Subject to these terms and conditions, new or existing Money Safe Account holders of Hang Seng Bank Limited (the “Bank”) who, during the Time Deposit Promotion Period, successfully set up:
   1. a New Fund Time Deposit according to Clause 3; or
   2. a Foreign Exchange Time Deposit according to Clause 4 (each an “Eligible Time Deposit”)
   via the Money Safe Account (“Time Deposit Eligible Customers”) can enjoy the following bonus time deposit interest rate on top of the prevailing interest rate for the Eligible Time Deposit:

   Type of Eligible Time Deposit	Bonus time deposit interest rate (p.a.)
   New Fund Time Deposit / Foreign Exchange Time Deposit	0.2%

   Remark: The above interest rate is quoted with reference to the prevailing interest rate offered by the Bank on 1 September 2026 and is for reference only. The interest rate is subject to the Bank’s revision based on the prevailing market conditions.
3. “New Fund Time Deposit” refers to the time deposit fulfilling all of the following requirements:

   Designated Currency	HKD/CNY/USD/AUD/CAD/GBP/NZD
   Deposit Tenor	6 months or less
   Fund Type	Eligible New Fund Balance “Eligible New Fund Balance” refers to the incremental balance (if any) when comparing the latest deposit balance with the balance of the same currency as of 15 calendar days ago, after deduction of the sum of principal amount which has been entitled to new fund offer of time deposit within the last 15 calendar days (including time deposit set up date). The balance of all accounts, including Savings Accounts, Current Accounts and Time Deposits (whether accounts in sole name or joint name) is counted towards the calculation of Eligible New Fund Balance.
   Deposit Amount	HKD/CNY: In original currency of 10,000 or above USD/AUD/CAD/GBP/NZD: In original currency of 2,000 or above
   Designated Set Up Channel	Branch, Phone Banking or Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App) within transaction time as described in Clause 7

   Please contact our staff or visit hangseng.com/depositspromo5 for more details.
4. “Foreign Exchange Time Deposit” refers to a single real-time FX exchange of the designated currency for an amount listed in the table below via the designated channels set out in the table below, and the setting up of a time deposit under the following tenor via the same transaction channel at the same time as the FX exchange. The relevant time deposit must simultaneously meet all of the requirements set out below:

   Designated Currency	HKD/CNY/USD/AUD/CAD/GBP/NZD/JPY/EUR
   Tenor	1-week/1-month
   Deposit Amount	Equivalent to an amount between HKD 10,000 or its equivalent (“HKDE”) and USD 2,000,000 or its equivalent (“USDE”), and not exceeding the Designated Currency’s conversion amount
   Designated Channel	Branch, Phone Banking or Online Banking (including Hang Seng Personal e-Banking and Hang Seng Mobile App) within transaction time as described in Clause 7

   Please contact our staff or visit hangseng.com/forexoffer for more details.
5. Subject to these terms and conditions, the bonus interest will be converted into the HKDE amount based on the exchange rate of each foreign currency solely determined by the Bank on 31 December 2026, and credited into any HKD savings/current account as determined by the Bank (excluding Money Safe Account) of each Time Deposit Eligible Customer on or before 28 February 2027. At the time the reward is credited, each Time Deposit Eligible Customer must continue to maintain a valid Money Safe Account and an HKD savings/current account (excluding Money Safe Account) with the Bank. Otherwise, the customer is deemed to have forfeited the right to receive the reward. The reward is calculated on a per-Time-Deposit-Eligible-Customer basis. In case the account is a joint named account, only the primary account holder can participate in the Promotion.
6. The Promotion is not applicable to time deposits that are pending, renewed or uplifted before maturity. For any time deposit uplifted before maturity, the customer is deemed to have forfeited the right to receive the bonus interest. The Bank reserves the right to debit the amount equivalent to the value of the reward(s) already credited from any of the customer’s account without prior notice.
7. The time deposit transaction times for Phone Banking and Online Banking in relation to this Promotion are as follows:
   1. For Phone Banking, the transaction time is Monday to Friday from 9am to 7pm and Saturday from 9am to 12:55pm.
   2. For Online Banking, the transaction time is Monday to Friday from 8am to 7:55pm, and, for HKD New Fund Time Deposit only, on Saturday from 8am to 4:55pm.
   If the time deposit is placed outside the relevant transaction time, or on any Sunday, Hong Kong public holiday, holidays of the country or region where the currency is issued, or non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning, the customer cannot enjoy any offer in relation to that time deposit.
8. The processing date, time and deposit amount for the time deposit transaction and the Eligible New Fund Balance are subject to the records of the Bank. The Bank reserves the right of final decision should there be any dispute.
9. Interest rates and exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change any interest rate applicable to this Promotion at any time. Before making the relevant transaction, please check with our branch staff for the latest rate applicable to the transaction.
10. Except for the New Fund Time Deposit Offer and the Foreign Currency Time Deposit Interest Rate Promotion Offer mentioned above, this Promotion cannot be used in conjunction with other promotional offers of the same products and other interest rate/exchange rate offers of the same currency of the Bank.
11. Each Time Deposit Eligible Customer can enjoy each offer more than once during the Time Deposit Promotion Period.
12. Unless otherwise specified, this Promotion is not applicable to corporate accounts customers and private banking customers.
13. No person other than the customer and the Bank (which includes its successors and assigns) has 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.
14. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
15. These terms and conditions are subject to prevailing regulatory requirements.
16. The Bank reserves the right to suspend, vary or terminate this Promotion and the offers and to amend these terms and conditions at any time and from time to time without prior notice.
17. The decision of the Bank on all matters relating to this Promotion and the offers is final and binding on all the parties concerned. This Promotion and the offers are subject to the terms and conditions of the relevant products or services. If there is any inconsistency between the terms and conditions of the relevant products or services and these terms and conditions, these terms and conditions prevail in matters relating to this Promotion.
18. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version prevails.

• Hong Kong Dollar - 365 days (ordinary year) or 366 days (leap year),
• Pound Sterling - 365 days,
• Other currencies - 360 days.

Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

Foreign exchange involves exchange rate risks. Fluctuations in the exchange rate of a foreign currency may result in gains or loss of principal in the event that the customer converts the deposits from HKD or foreign currency to another currency, and/or in the event that the customer converts a foreign currency time deposit to another currency (including HKD) upon maturity.