New Commercial Investment Customers can enjoy $0 Brokerage Fee for buy and sell trade of Securities and 0% Investment Fund Subscription Fee

Remarks：

1. The promotion period is from 1 July 2026 to 31 December 2026 (“Promotion Period”).
2. The Applicable Offer Period refers to the first 3 full calendar months plus any period which is less than a month following successful opening of securities sub-account / investment fund sub-account under the Integrated Business Solutions Account (“IBS Account”) with Hang Seng Bank Limited (“Bank") via any channel during the Promotion Period. For reference, for an Eligible Securities / Investment Fund Customer who successfully opens the new securities sub-account / investment fund sub-account on 15 July 2026, the Applicable Offer Period shall run from 16 July 2026 to 31 October 2026.
3. Offer of “$0 Brokerage Fee for buy and sell trades of Stocks”
   
   1. This offer is only applicable to customers who successfully open a securities sub-account under an IBS Account during the Promotion Period (“New Securities Account”) and who did not maintain any securities account with the Bank during the 6 full calendar months preceding successful account opening (“Eligible Securities Customers”). For reference, to be eligible, a customer who successfully opens the New Securities Account on 15 July 2026 must not have held any securities account with the Bank from 1 January 2026 to 30 June 2026. If an Eligible Securities Customer opens more than one New Securities Account during the Promotion Period, only the New Securities Account with the earliest account opening date will be eligible for this offer. The Bank reserves the right of final discretion on which New Securities Account can enjoy this offer.
   2. This offer is only applicable to buy and sell trades of HK stocks, Stock Connect Securities and/or US stocks (each as defined in point (3)(d) below) which are successfully completed via the Bank by Eligible Securities Customers using their New Securities Accounts during the Applicable Offer Period (“Eligible Securities Transaction(s)”). Securities buy and sell trades which are cancelled or cannot be successfully executed will not be counted.
   3. Eligible Securities Customers who have successfully executed Eligible Securities Transaction(s) during the Applicable Offer Period can enjoy this offer. There is no limit on the number of Eligible Securities Transaction(s) which can enjoy this offer and no minimum amount for each Eligible Securities Transaction.
   4. “HK stocks” refer to Hong Kong dollar and Renminbi-denominated securities listed on The Stock Exchange of Hong Kong Limited, including stocks, Exchange Traded Funds (ETF), warrants, Real Estate Investment Trust (REIT) and RMB bond issued by The Ministry of Finance of the People's Republic of China. “Stock Connect Securities” refer to A-shares/Exchange Traded Funds (ETFs) listed on the Shanghai Stock Exchange and/or Shenzhen Stock Exchange and eligible for Shanghai-Hong Kong Stock Connect Northbound Trading/Shenzhen-Hong Kong Stock Connect Northbound Trading. “US stocks” refer to Common Stocks (excluding warrants), Exchange Traded Funds (ETFs) and American Depository Receipts (ADRs) traded on New York Stock Exchange (NYSE), Nasdaq Global Market (NASDAQ), NYSE Amex Equities Market (AMEX) and NYSE ARCA.
   5. Eligible Securities Transactions exclude locally traded overseas stocks, any listed securities not settled by Hong Kong dollar or Renminbi (except US stocks), i-Shares, Exchange Fund Notes, Toll Revenue Bond, Hong Kong International Airport bonds, infrastructure bond, Government of HKSAR bonds/ iBonds/ Silver Bonds/ Government Green Bonds, buy/sell transactions of Hang Seng Monthly Investment Plans for Stocks and shares subscriptions of Initial Public Offering (IPO).
   6. This offer is calculated on a per account basis. Customers are required to pay the standard brokerage fees first (for details of brokerage fee including the minimum amount, please go to “Service Charges” of “Business” in the website www.hangseng.com) in respect of all Eligible Securities Transactions. The brokerage fee refund amount for Eligible Securities Transactions that customers are entitled to (“Refund Amount”) will then be deposited by the Bank into the HKD settlement accounts of the New Securities Accounts within 3 months after the end of the Applicable Offer Period for the respective customers. In respect of Eligible Securities Transactions which are not settled by HKD, the actual brokerage fee paid will be converted to HKD based on the exchange rate determined by the Bank on the last business day of the Applicable Offer Period for the respective customers, in order to calculate the Refund Amount (thus the Refund Amount may be more or less than the actual brokerage fee paid for the relevant transactions due to this conversion). The actual brokerage fee paid excludes any custody fee, securities deposit charges, nominee services fee and any third party transaction charges such as transaction levy, stamp duty, trading fee, handling fee, securities management fee, transfer fee, capital gain tax, SEC fee etc. Customers should still maintain the New Securities Accounts and the HKD settlement accounts should still be valid when the Refund Amount is credited. Please note that if the HKD settlement account is frozen or terminated at the time the Refund Amount is credited, the customer is not entitled to enjoy this offer.
   7. This brokerage fee offer is a reduction of brokerage fee for securities transactions.
4. Offer of “0% Fund Subscription Fee for investment funds distributed by Hang Seng Bank”:
   
   1. This offer is only applicable to customers who successfully open an investment fund sub-account under an IBS Account during the Promotion Period (“New Investment Fund Account”) and who did not maintain any investment fund account with the Bank during the 6 full calendar months preceding successful account opening (“Eligible Investment Fund Customers”). For reference, to be eligible, a customer who successfully opens the New Investment Fund Account on 15 July 2026 must not have held any investment fund account with the Bank from 1 January 2026 to 30 June 2026. If an Eligible Investment Fund Customer opens more than one New Investment Fund Account during the Promotion Period, only the New Investment Fund Account with the earliest account opening date will be eligible for this offer. The Bank reserves the right of final discretion on which New Investment Fund Account can enjoy this offer.
   2. Eligible Investment Fund Customers who have successfully subscribed for investment funds (excluding those as mentioned in 4(f) below) through the Bank within the Applicable Offer Period can enjoy 0% fund subscription fee offer. The exact refund amount for each customer is 100% of the actual subscription fee paid (after deducting any subscription fee refund entitled to under other Investment Fund offers during the Applicable Offer Period (if any)) (but restricted to that mentioned in 4(d) below). Subscription application which is cancelled or cannot be successfully processed will not be counted.
   3. This offer is calculated on a per account basis. Eligible Investment Fund Customers are required to pay the relevant fund subscription fee upfront for their fund subscriptions made during the Applicable Offer Period. The fund subscription fee refund amount that the Eligible Investment Fund Customers entitled to will be deposited into the Eligible Investment Fund Customers’ settlement accounts in Hong Kong dollars (“HKD”) maintained with the Bank (in the form of a cash refund) within 3 months after the end of the Applicable Offer Period for the respective customers. At the time of depositing the relevant fund subscription fee refund amount, the Eligible Investment Fund customers should still be holding the New Investment Fund Account and a valid settlement account in HKD. Please note that if the HKD settlement account is frozen or terminated at the time the relevant fund subscription fee refund is credited, the customer is not entitled to enjoy this offer. Illustrative Example (for reference only): for a commercial customer who newly opens an Investment Fund Account on 15 July 2026, subscribes for Investment Funds during the Applicable Offer Period, and pays a subscription fee of HKD7,500, the calculation of the refund for such Eligible Investment Fund Customer is illustrated as follows:
      

      Fund subscription fee paid by customer upfront (i)	HKD7,500
      Reduction amount to be received by customer (based on a 100% of the subscription fee paid) (ii)	HKD7,500
      Actual fund subscription fee paid by customer afterenjoying the offer (i) – (ii)	HKD0

   4. If the subscribed fund is denominated in a currency other than Hong Kong Dollar (“HKD”), the Bank will convert the relevant fund subscription amount into HKD based on the exchange rate determined by the Bank on the last business day of the Applicable Offer Period for the respective customers, in order to calculate the refund fund subscription fee amount to which the Eligible Investment Fund Customer is entitled (i.e. the refund fund subscription fee amount entitled to by the Eligible Investment Fund Customer will not be calculated based on the actual non-HKD fund subscription fee paid by the customer).
   5. Fund subscription applications which are received after the cut-off time of the relevant funds on the last business day of the Applicable Offer Period for the respective customers will not be considered as eligible subscription applications. Such subscription applications will be processed on the next dealing day. Please note that different cut-off times may apply for subscription applications for different funds and/or subscription applications for the same fund through different channels. Customers are advised to contact the Bank’s staff to enquire about the cut-off time for the relevant subscription applications.
   6. This offer does not apply to fund units with no subscription fees (e.g. Class B Units), money market funds, capital guaranteed funds, fund subscriptions made pursuant to a Hang Seng Monthly Investment Plan for Funds or other funds / fund transactions as specified by the Bank from time to time.
   7. Eligible Investment Fund Customers subscribing for the relevant funds via the Advanced Switching Service can also enjoy this offer.
   8. This offer cannot be used in conjunction with other fund subscription fee offers or other offers for the same product(s) or service(s) of the Bank.
5. In respect of Offer (3) and Offer (4), the total aggregate refund amount under each Integrated Business Solutions Account during the Applicable Offer Period is subject to a maximum cap of HKD500,000 (the “Total Refund Amount Cap”). Any entitlement exceeding the Total Refund Amount Cap will be forfeited and will not be paid or credited. The Bank’s records and calculation shall be final and binding.

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