Hang Seng Bank

General Terms and Conditions for Family Financial Planning Lucky Draw (the "Offer")

The Offer is valid from 1 July 2026 to 30 September 2026, both dates inclusive (the "Promotion Period").
The Offer is applicable to Prestige Private and Prestige Banking personal customers (the "Eligible Customers") of Hang Seng Bank Limited (the "Bank").
The Offer is considered on a "per-Eligible Customer basis". In case the relevant account is a joint-named account, only the primary account holder can enjoy the Offer.

Eligible Customers must, as of 30 September 2026, hold any of the following: investment funds (excluding fund holding through Hang Seng Monthly Investment Plan for Funds, and funds holding via SimplyFund Account (under the account number suffix of 384)), Structured Products, secondary market bonds, MaxiInterest Investment Deposit, Capital Protected Investment Deposit and/or Certificate of Deposit Product (the "Eligible Investment Products") through their Prestige Private and/ or Prestige Banking Account(s) and successfully complete the following 2 designated services (the "Designated Services") through a Family+ Account during the Promotion Period to enter the lucky draw:

	Designated Services	Terms and Conditions applicable to the Designated Services
1	Use of "Wealth Master"	Utilize "Wealth Master" and generate a report on the investment portfolio via branches of the Bank and Hang Seng Mobile App during the Promotion Period.
2	Complete the "Strategic Financial Planning Goal Setting and Goal Tagging" via "Goal Planner"	Setting of financial goal(s) (such as Retirement or Managing Wealth, etc.) via "Goal Planner" and link with a Family+ Account for goal tracking via any channels during the Promotion Period.

Each Eligible Customer can get a maximum of 1 Lucky Draw Entry (the "Lucky Draw Entry"). A total of 25 lucky draw winners ("Winners") will be drawn randomly; each Eligible Customer can get a maximum of 1 Lucky Draw Prize ("Lucky Draw Prizes") during the Promotion Period.

Lucky Draw Prizes	No. of Winner(s)
Club Med Gift Voucher valued at HKD40,000 ^a	1
Hong Kong Disneyland Magic Pass – Gold Card ^b	2
Hang Seng God of Wealth Gold Plate (5 Grams) ^c	5
Ocean Park Annual Membership (Gold) ^d	2
Hong Kong Disneyland 1-Day Tickets ^e	15

^aThe Club Med Gift Voucher is valid for bookings made from 31 December 2026 to 30 December 2027 (both dates inclusive) and is only applicable to new eligible bookings made via the Club Med HK customer service hotline (or Club Med Hong Kong Office) during the booking period.

^b Applicable to 2 adults (aged 12 to 59) and 2 children (aged 3 to 11)

^c The selling price for the God of Wealth (5 Grams) Rectangular is HKD 5,941, which is provided for reference only, as of 5/6/2026. Historical interest rate data may not be indicative of future data, which will be determined based on the prevailing market conditions

^d Applicable to 2 adults (aged 12 or above) and 2 children (aged 3 to 11)

^e Applicable to 2 adults (aged 12 to 64) and 2 children (aged 3 to 11)

Completion time of the Designated Services via respective channel(s) are subject to the Bank's record. The Bank will determine the eligibility of the entries for the Lucky Draw based on the record held by the Bank. In case of any disputes, the Bank’s record shall be final and conclusive.
The Bank will notify the Winners of the redemption details for the Lucky Draw Prizes on or before 31 December 2026. All relevant Prestige Private, Prestige Banking accounts and Family + Account of the Winners must remain valid at the time.
The Bank reserves the right to substitute the Lucky Draw Prizes with other gifts at any time without prior notice. The value or nature of the substitute gift may differ from the Lucky Draw Prizes mentioned above.
The Bank is not the supplier of the Lucky Draw Prizes and shall not be responsible for any legal liabilities related to the Lucky Draw Prizes. Any disputes relating to the Lucky Draw Prizes shall be settled between the Eligible Customer and the supplier directly. The Lucky Draw Prizes are non-transferable and cannot be redeemed for cash.
Unless otherwise specified, the Offer is not applicable to Business Banking and Private Banking customers of the Bank.
The Bank reserves the right to suspend, vary or terminate all the 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.
No person other than the 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 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.

Risk Disclosure of Investment Funds

Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.

Risk Disclosure of Equity Linked Investments ("ELIs")

Equity Linked Investments ("ELIs") involve derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in ELIs unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
ELIs are considered as a complex product and you should exercise caution in relation to ELIs. The market value of the ELIs may fluctuate and you may sustain a total loss of their investment. You should therefore ensure that you read and understand the nature of the ELIs and the relevant offering documents of the ELIs (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
Liquidity risk - ELIs are designed to be held to its maturity. You may not be able to sell your investment in the ELIs before maturity. If you try to sell the ELIs before maturity, the amount you receive may be substantially less than the investment amount.
Credit risk of the ELI issuer - ELIs constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy ELIs, you will be relying on the creditworthiness of the ELI issuer and of no other person. You have no rights under the terms and conditions of ELIs against any issuer of any linked stock. If the relevant ELI issuer becomes insolvent or default on its obligations under the ELIs, in the worst case scenario, you could lose substantial part or all of the capital invested. ELIs may be terminated early by the Issuer.
Some ELIs are partially capital protected at maturity provided that you hold the ELIs until maturity and the ELIs are not otherwise early terminated.
Investing in ELIs is not the same as investing in the linked reference asset(s) directly.
Not covered by the Investor Compensation Fund - ELIs are not traded on any markets operated by Hong Kong Exchanges and Clearing Limited or any other stock exchanges. There may not be an active or liquid secondary market.
The above is not an exhaustive list of risk factors. For details, please refer to the offering documents.

Risk Disclosure of Structured Notes

Structured notes involve derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in the product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives and you fully understand and are willing to assume the risks associated with it.
Structured notes are considered as a complex product and you should exercise caution in relation to Structured note. The market value of the structured notes may fluctuate and investors may sustain a total loss of their investment. You should therefore ensure that you read and understand the nature of structured notes and the relevant offering documents of the structured notes (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
Liquidity risk - Investors should be prepared to hold this product until its maturity. If you try to sell the Structured notes before maturity, the amount you receive may be substantially less than the investment amount.
Credit risk of the Issuer - structured notes constitute general unsecured and unsubordinated contractual obligations of the Issuer. When you buy structured notes, you will be relying on the creditworthiness of the Issuer and of no other person. You have no rights under the terms and conditions of the structured notes against any issuer of any linked underlying(s). If the Issuer becomes insolvent or default on its obligations under the product, in the worst case scenario, you could lose substantial part or all of the capital invested. The structured notes may be terminated early by the issuer.
Some structured notes are 100% capital protected at maturity provided that it is not otherwise early terminated by the Issuer
Investing in structured notes are not the same as investing in the linked reference asset(s) directly.
The structured notes are not normal time deposits, and they are not protected by the Deposit Protection Scheme in Hong Kong.
Not covered by the Investor Compensation Fund – structured notes are not traded on any markets operated by Hong Kong Exchanges and Clearing Limited or any other stock exchanges. There may not be an active or liquid secondary market.
The above is not an exhaustive list of risk factors. For details, please refer to the offering documents.

Important Risk Warning of Bond or Certificate of Deposit Product

Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
Bonds and CDs are not deposits and should not be treated as substitute for conventional time deposits.
Bonds and CDs are not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.
Renminbi (RMB) is not a freely convertible currency. As such, investors trading bonds and/or CDs denominated in RMB are subject to additional risks (such as currency risk).
The above is not an exhaustive list of risk factors. Please refer to the section on "Risk Factors" in the relevant "Bond / Certificate of Deposit Trading Services" Factsheet to understand other risk factors applicable to bonds and CDs.
The information displayed does not constitute nor is it intended to be construed as any professional advice, offer, solicitation or recommendation to deal in Bonds / CDs. Investors should be aware that all investments involve risks (including the possibility of loss of the capital invested). The prices of Bonds and CDs may go up as well as down and past performance is not indicative of future performance. Investors should not only base on this information alone to make investment decisions, and should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should read the relevant product offering documents and terms and conditions (including the full text of the risk factors therein) in detail before making any investment decisions. Investors should obtain independent professional advice if they have concerns about their investment.
No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general financial and market information, news services and market analysis, projections and/or opinions ("Market Information") provided above and the basis upon which any such Market Information have been made, and no liability or responsibility is accepted by the Bank in relation to the use of or reliance on any such Market Information whatsoever provided in the webinar.
Investors must make their own assessment of the relevance, accuracy and adequacy of the information provided and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. The Bank does not make any representation or recommendation or assessment as to whether or not any of the investment(s) mentioned are suitable or applicable to any persons and thus shall not be held responsible in this regard.

Risk Disclosure of Currency-Linked Capital Protected Investment Deposit

Currency-Linked Capital Protected Investment Deposit ("CPI") is a structured product involving derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in the CPI unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives and you fully understand and are willing to assume the risks associated with it. You should therefore ensure that you read and understand the nature of the CPI and the relevant offering documents of the CPI (including the full text of the risk factors therein) and, where necessary, seek independent professional advice, before making any investment decisions.
CPI is embedded with FX options. Option transactions involve risks, even when buying an option. The option’s value might become worthless if the market moves against your expectation.
You should note that CPI is not a normal time deposit and thus should not be considered as normal time deposit or its alternative. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
You should understand that the Principal of the CPI is protected only when it is held to maturity and you will be relying on the Bank’s (as the issuer) creditworthiness. CPI is not secured by any collateral. If the Bank becomes insolvent or default on its obligations under the CPI, in the worst case scenario, you could suffer a total loss of your investment amount.
CPI is not listed on any stock exchange and is not covered by the Investor Compensation Fund.
Investing in CPI is not the same as buying the Underlying Currency Pair directly.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the CPI involving RMB are subject to the currency risk of RMB.
Certain Terms and Conditions (including some of the key dates) of CPI can be adjusted by the Bank. The CPI may be terminated early by the Bank. This might have a negative impact on the product’s Return / Coupon (if any).

Risk Disclosure of "MaxiInterest" Investment Deposit

"MaxiInterest" Investment Deposit ("MXI") is a structured product involving derivatives. You should not only base on this material alone to make any investment decisions. The investment decision is yours and you should not invest in MXI unless the intermediary who sells it to you has explained to you that MXI is suitable for you having regard to your financial situation, investment experience and investment objectives and you fully understand and are willing to assume the risks associated with it. You should therefore ensure that you read and understand the nature of the MXI and the relevant offering documents of the MXI (including the full text of the risk factors therein), where necessary, seek independent professional advice, before making any investment decisions
MXI is embedded with FX options. Option transactions involve risks, especially when selling an option. Although the premium received from selling an option is fixed, you may sustain a loss well in excess of such premium amount, and the loss could be substantial.
You should note that MXI is not normal time deposit and thus should not be considered as normal time deposit or its alternative. It is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Earnings on MXI are limited to the nominal interest payable and it is only payable upon maturity. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If MXI is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of MXI.
You will be relying on the Bank’s (as the issuer) creditworthiness. MXI is not secured by any collateral. If the Bank becomes insolvent or default on its obligations under MXI, in the worst case scenario, you could suffer a total loss of your investment amount.
MXI is not listed on any stock exchange and is not covered by the Investor Compensation Fund.
Investing in MXI is not the same as buying the linked currency directly.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MXI involving RMB are subject to the currency risk of RMB.
Certain Terms and Conditions (including some of the key dates) of MXI can be adjusted by the Bank in certain circumstances. The MXI may be terminated early by the Bank. This might have a negative impact on the product’s return.