Terms and Conditions for the wealth management appointment rewards:

1. This offer is applicable to Prestige Private Banking/Prestige Banking/Preferred Banking customers ("Eligible Customers") who completed Financial Needs Analysis ("FNA") Part 4.1 (before proceeding to the product recommendation section) at any Hang Seng Bank Limited (the "Bank") branch between 24 November 2025 and 31 December 2025 (both dates inclusive) ("Promotion Period").
2. Subject to these terms and conditions, each Eligible Customers may choose to receive the following gifts during the Promotion Period based on their bank account type:
   1. Shopping e-voucher (Prestige Private Banking customers: HK$500/ Prestige Banking customers: HK$300/ Preferred Banking customers: HK$200); or
   2. Redemption letter of one piece of Hang Seng Insurance Company Limited-branded luggage (“Luggage”); or
   3. A Redemption letter for The Peninsula Hotel Handmade Chocolate Gift Box
3. Gift supplies are limited, and are available on a first-come, first-served basis, while stocks last.
4. Each Eligible Customer may only receive this offer once during the Promotion Period.
5. Please note the redemption periods of the Luggage: From 1 July 2025 to 31 December 2025 (both dates inclusive)
6. Each gift should not be considered as an offer, recommendation or solicitation to deal in any product or service of the Bank. Customers can obtain the gift without purchasing any product or service.
7. Once the Financial Needs Analysis meeting is confirmed, the gift will be delivered by branch staff after conducting the Financial Needs Analysis and completing Part 4.1 (and before entering the product recommendation part).
8. If any gift is out of stock, the Bank reserves the right to vary or replace the gift with other gift(s) at any time, and the value and/or nature of the substituted gift(s) may differ from those of the original gift offered. In case of dispute, the decision of the Bank is final.
9. Under no circumstances can the gift be transferred, changed or exchanged for cash or any other reward. The gift will not be reissued in case of loss, theft, or expiry.
10. Subject to Clause11, the Bank is not the supplier of the gifts, and does not assume any liability in relation to them. Any dispute regarding the gifts and/or any relevant good and/or service shall be resolved between the customer and the relevant suppliers directly. The gifts are subject to relevant terms and conditions. For details on the use of the gifts, please refer the relevant terms and conditions.
11. Neither the Bank nor Hang Seng Insurance Company Limited (“Company”) is the manufacturer of the Luggage. Neither the Bank nor the Company assumes any liability in relation to the Luggage. Any dispute regarding the Luggage shall be resolved between the customer and the relevant manufacturer directly.
12. The Bank reserves the sole right to suspend, amend or terminate this offer and revise the relevant terms and conditions without prior notice to or approval from any party.
13. The Bank has the final decision on all matters relating to this offer, and such decision shall be binding on all parties.
14. No person other than the Eligible Customer and the Bank (including its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any provision of these terms and conditions, provided that any right in relation to the Bank’s group is not affected.
15. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.