Terms and Conditions for the Extra 4% p.a. HKD and USD Preferential Savings Rate Offer in relation to BUY trades of Exchange Traded Fund(s) ("ETF(s)") and BUY/SELL trades of US stocks

1. The promotion period of this offer is from 1 January 2026 to 31 March 2026 (“Promotion Period”).
2. This offer is only applicable to customers who have successfully executed buy transaction(s) of "Eligible ETF" (as described in Clause 3) or/and buy/sell transaction(s) of "Eligible US Stock" (as described in Clause 4) ("Eligible Securities Transaction(s)") via any securities trading channels of Hang Seng Bank Limited (the "Bank") during the Promotion Period and hold valid personal integrated account(s) (including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) of the Bank ("Eligible Customer(s)").
3. "Eligible ETF" refers to all ETFs listed and traded on The Stock Exchange of Hong Kong Limited ("SEHK") during the Promotion Period and with trading currency being HKD, USD or Renminbi.
4. "Eligible US Stock" refers 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 Transaction" excludes the below transaction:
   1. All leverage & inverse products (i.e. those with relevant stock codes for Leverage and Inverse Products allocated for listing on the SEHK) and ETFs not settled by Hong Kong dollar/Renminbi/US dollar. "Eligible Securities Transaction" also excludes purchase transactions of Hang Seng Monthly Investment Plans for Stocks and share subscriptions of Initial Public Offering (IPO); and
   2. For securities customers who are eligible for SimplyStock and in each month during the Promotion Period where the monthly fee of HKD30 under SimplyStock applies (covering trades up to HKD300,000), Eligible Securities Transaction(s) for this offer does not include buy transactions of Eligible ETF which are covered by the said monthly fee; and
   3. For buy transaction(s) of Eligible ETF during the Promotion Period in which there is no actual brokerage fee paid (including but not limited to transactions with no brokerage fee paid after enjoying the relevant securities offers e.g. after using a brokerage fee coupon under the Scratch Reward campaign) , such transaction(s) will not be counted as Eligible Securities Transaction(s) under this offer. 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 and trading fee, etc.
Offer details
6. Subject to these terms and conditions, according to the below Schedule, Eligible Customer with “Eligible Incremental Balance” of minimum HKD5,000 equivalent under his/her “Eligible Deposit Account(s)” can be entitled to extra 4% p.a. HKD and USD savings rates in the corresponding “Designated Deposits Growth Period” for the “Eligible Incremental Balance”.

   1. Schedule

      Eligible Securities Transaction(s) Period	Designated Deposits Growth Period (A)	Designated Deposits Comparison Date (B)	Date of Cash Reward
      January 2026	February 2026	31 December 2025	On or before 30 June 2026
      February 2026	March 2026	31 January 2026
      March 2026	April 2026	28 February 2026

   2. “Eligible Deposit Account(s)” refers to the savings account(s) and current account(s) of HKD and USD in Eligible Customers' sole name or in the capacity as the primary account holder in the case of a joint account. For the avoidance of doubt, time deposit accounts are excluded from the Eligible Deposit Accounts.
   3. The extra interest ("Cash Reward") is calculated as simple interest on a 360-day basis, based on the Eligible Incremental Balance of Eligible Customers. For the Eligible Incremental Balance in USD, it will be converted into its HKD equivalent amount for the extra interest payout based on the exchange rate solely determined by the Bank on 30 April 2026.
   4. The Bank reserves the right to suspend, amend or terminate this offer at any time at the Bank's sole discretion.
7. In respect of each of the Designated Deposits Growth Period (A), the “Eligible Incremental Balance” is calculated based on this formula:
   Deposit daily average balance of all Eligible Deposit Account(s) in the “Designated Deposits Growth Period” (A) minus the Deposit balance of all Eligible Deposit Account(s) as of the corresponding "Designated Deposits Comparison Date" (B) as stated in Clause 6i.
   
   1. The amount of Eligible Incremental Balance which can enjoy the extra 4% p.a. preferential savings rate is capped at the aggregate transaction amount of Eligible Securities Transaction(s) of the relevant "Eligible Securities Transaction(s) Period" as stated in Clause 6i ("Cap"). The Eligible Incremental Balance in excess of the Cap is not eligible to this offer and the Prevailing Savings Rate will apply to any deposits in the excess of the Cap (Prevailing Savings Rate is only applicable to HKD/USD savings accounts). For Eligible Securities Transaction(s) with trading currency being USD or Renminbi, the transaction amount will be converted to HKD at the exchange rate solely determined by the Bank on 30 April 2026 for calculating the transaction amount under this offer.
   2. If the customer got a negative balance or did not hold any Eligible Deposit Account on the Designated Deposits Comparison Date, the relevant balance is treated as zero in the Eligible Incremental Balance calculation.
   3. In the case of any funds transfer made after 9pm on Mondays to Fridays or 6pm on Saturdays, and cheques deposited after the cut-off time of the Bank, the deposit balance change will be effective on the next working day. All the related account deposit balances shall be based on the records of the Bank.

   4. Illustrative examples of the Eligible Incremental Balance calculation (for reference only)

      Scenario 1:
      Assuming that the customer has successfully executed an Eligible Securities Transaction in January 2026, deposited new fund in the same month and maintained the fund during the Designated Deposits Growth Period:

      Date	Transaction	Transaction Amount in HKD equivalent	Deposit Balance in HKD equivalent
      31 Dec 2025	N/A	N/A	$100,000
      20 Jan 2026	Fund out to settle an Eligible ETF buy transaction	-$50,000	$50,000
      25 Jan 2026	Fund in by cheque deposit	+$100,000	$150,000
      26 Jan - 28 Feb 2026	No Transaction	N/A	$150,000
      Deposit Daily Average Balance in Feb 2026: ($150,000 x 28 days / 28 days) = $150,000
      Eligible Incremental Balance in Feb (Cap being the Eligible Securities Transaction amount in Jan): = Deposit daily average balance in Feb - Deposit balance as of 31 Dec = $150,000 - $100,000 = $50,000

      Scenario 2:
      Assuming that the customer has successfully executed Eligible Securities Transaction in January 2026 and deposited new fund in February 2026:

      Date	Transaction	Transaction Amount in HKD equivalent	Deposit Balance in HKD equivalent
      31 Dec 2025	N/A	N/A	$100,000
      20 Jan 2026	Fund out to settle an Eligible ETF buy transaction	-$40,000	$50,000
      	Fund out to settle an Eligible US Stock buy transaction	-$10,000
      4 Feb 2026	Fund in by cheque deposit	+$150,000	$200,000
      13 Feb 2026	Fund out to settle an Eligible US Stock buy transaction	-$50,000	$150,000
      19 Feb 2026	Fund in from settlement of an Eligible ETF sell transaction	+$30,000	$180,000
      Deposit Daily Average Balance in Feb 2026: (Refer below image for calculation details) = $166,071
      Eligible Incremental Balance in Feb (Cap being the Eligible Securities Transaction amount in Jan): = Deposit daily average balance in Feb - Deposit balance as of 31 Dec = $166,071 - $100,000 = $66,071 Note: The Eligible Incremental Balance which can enjoy the Extra Savings Rate is $50,000 (capped at the total Eligible Securities Transaction amount in Jan which is $40,000+$10,000)

      
8. Subject to these terms and conditions, the Cash Reward will be credited into the Eligible Deposit Account in HKD of the Eligible Customer on the Date of Cash Reward as stated in Clause 6i. At the time the Cash Reward is credited, the Eligible Customer must continue to maintain the relevant securities account and Eligible Deposit Account in HKD. Otherwise, the customer is deemed to have forfeited the right to receive the relevant Cash Reward.
9. Unless otherwise specified, the offer mentioned in these terms and conditions cannot be used in conjunction with other securities service offers and other savings offers of the same currency of the Bank (including but not limited to deposits under the Mortgage-link Loan Scheme)
10. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version prevails.
11. This offer is not applicable to Commercial customers, Private Banking customers, staff of the Bank and any party who enjoys special privileges and offers.
12. No person other than the relevant securities customers 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.
13. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
14. These terms and conditions are subject to prevailing regulatory requirements (where applicable).
15. The Bank reserves the right to suspend, amend or terminate this offer and to amend these terms and conditions at any time and from time to time without prior notice. The decision of the Bank on all matters relating to this offer is final and binding on all parties concerned.