Terms and Conditions for the “Exclusive offer for selected customers: Up to JPY1,000 cash reward” (the “Offer”)

1. The promotion period for the Offer is from 1 July 2025 to 30 September 2025, both dates inclusive (“Promotion Period”).
2. The Offer is only applicable to personal customers who have received the relevant promotion materials from Hang Seng Bank Limited (“the Bank”), and their Savings Account(s) and/or Current Account(s) maintained with the Bank in their sole name or in the capacity as the primary account holder in the case of a joint account (“Eligible Deposit Account(s)”). For the avoidance of doubt, Time Deposit accounts are excluded from the Eligible Deposit Accounts. Only the principal account holder is eligible for the promotion if the relevant account is a joint account (“Selected Customers”).
3. Selected Customers complete the relevant missions set out below can enjoy up to JPY1,000 cash reward.

   Mission	Details
   1	Maintain an “Eligible Incremental Balance” of at least HKD20,000 or its equivalent under his/her Eligible Deposit Account(s) to enjoy JPY300 cash reward
   2	Conduct online foreign exchange transaction(s) with a cumulative amount of at least HKD5,000 or its equivalent (“Eligible FX Transaction”) from the same month of Mission 1 completion month to promotion end day (“Designated Foreign Exchange Period”) to enjoy an additional JPY700 cash reward Remarks: Mission 1 completion month Designated Foreign Exchange Period July 2025 July to September 2025 August 2025 August to September 2025 September 2025 September 2025

4. “Eligible Incremental Balance” is the increment of the “daily average balance in any month of July/August/September 2025” of Eligible Deposit Account(s) as compared with the period end balance on 31 May 2025.
   1. In respect of the “daily average balance in any month of July/August/September 2025”, if the customer holds any non-HKD deposits balance, the amount will be converted into the Hong Kong Dollar equivalent with the exchange rate determined by the Bank on the last working day of the respective month.
   2. In respect of the “period end balance on 31 May 2025”, if the customer got a negative Eligible Deposit Account balance on 31 May 2025, it will be 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 will be updated on the next working day. All the related account deposit balances shall be based on the records of the Bank.
   4. Illustrative example of the Eligible Incremental Balance calculation (for reference only)
      Assuming that a customer has the following deposit balances and transactions in July 2025:

      Deposit Balances and Transactions	HKD equivalent
      Deposit balance as of 31 May:	10,000
      Deposit balance from 1 - 8 Jul (8 days):	10,000
      Fund in on 9 Jul:	+40,000
      Deposit balance from 9 - 20 Jul (12 days):	50,000
      Fund out on 21 Jul:	-10,000
      Deposit balance from 21 - 31 Jul (11 days):	40,000
      Daily average balance of Jul (Refer to below image for calculation details):	36,129
      Eligible Incremental Balance = Deposit daily average balance of Jul - Deposit balance as of 31 May = 36,129 - 10,000 = 26,129	26,129

      Remark: The illustration above is taking the deposit balances and transactions in July 2025 as an example. The same calculation applies on calculating the Eligible Incremental Balance in August 2025 or September 2025.

5. “Eligible FX Transaction” is only applicable to the real-time foreign exchange transaction which is successfully completed via the designated transaction channels (“Foreign Exchange Service” of Hang Seng Personal e-Banking or Hang Seng Mobile App) during the Designated Foreign Exchange Period.
   1. Each Eligible FX Transaction will be calculated in the Hong Kong Dollar or its equivalent for the transaction amount based on the actual exchange rate executed for the transaction. For any cross-currency exchange, the relevant transaction amount will be converted into the Hong Kong Dollar equivalent with the exchange rate solely determined by the Bank on the transaction day, so as to calculate the relevant transaction amount in the Hong Kong Dollar equivalent.
   2. This Offer is not applicable to foreign exchange transaction(s) via phone banking hotlines, branches, notes exchange, cash deposit, notes withdrawal, inward or outward remittance, Overseas Transfer Service, Global Money+, Hang Seng Multi-Currency Debit Mastercard®, FX Order Watch Service, Virtual Assistant HARO Service, Passbook Savings Account, Voice Recording System and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s). In case of disputes, the decision of the Bank on the customer’s eligibility to enjoy this Promotion shall be final.
6. The cash reward of mission 1 and 2 will be credited into the Eligible Deposit Accounts of each Selected Customer on the day showed in the table below. Each Selected Customer must continue to maintain valid Eligible Deposit Account(s), and without terminating or downgrading the account, or he/she will be deemed to have forfeited the right to receive the cash reward.

   Mission	Mission Completion Month	Date of Cash Reward Rebate
   Mission 1	July 2025	On or before 30 September 2025
   	August 2025	On or before 31 October 2025
   	September 2025	On or before 30 November 2025
   Mission 2	Designated Foreign Exchange Period	On or before 30 November 2025

7. Each Selected Customer can enjoy the cash reward of Mission 1 and Mission 2 during the promotion period once only, with the maximum cash reward of JPY1,000.
8. This Offer cannot be used in conjunction with other exchange rate or other interest offers of the same currency (including but not limited to deposits under the Mortgage-link Loan Scheme).
9. Unless otherwise specified, this promotion is not applicable to corporate account.
10. No person other than the customer 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.
11. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
12. These Terms and Conditions are subject to prevailing regulatory requirements.
13. The Bank reserves the right to suspend, vary and terminate this promotion and the Offer at any time and amend the relevant Terms and Conditions of this promotion and the Offer from time to time without prior notice.
14. In case of any disputes, the decision of the Bank on all matters relating to this promotion and the Offer shall be final and binding on all parties concerned. This promotion and the Offer are subject to the Terms and Conditions of relevant products or services. If there is any inconsistency between the Terms and Conditions of relevant products or services and these Terms and Conditions, these Terms and Conditions shall prevail.
15. In case of any discrepancy between the English and the Chinese version of these Terms and Conditions, the English version shall prevail.