Hang Seng Bank

General Terms and Conditions of SimplyFund Account Opening Reward (the “Promotion”):

The promotion period is from 1 January 2026 to 31 March 2026, both days inclusive (the "Promotion Period").
The Promotion is applicable to first 5,000 Preferred Banking and Integrated Account personal customers of Hang Seng Bank Limited (the “Bank”) who did not have a SimplyFund Account (Account Suffix 384) on or before 31 December 2025, successfully opened a SimplyFund Account whilst holding a valid Risk Profiling Questionnaire record with risk tolerance level between 1 and 5 and successfully registered for Hang Seng Personal e-Banking (“Eligible Customers”).
During the Promotion Period, Each Eligible Customer is entitled at most free fund units with value of HKD20 only.

The Bank will randomly draw one fund from the funds available for subscription with SimplyFund Account as the Reward. The product risk level of the funds to be drawn (“Fund Units”) will be equal to or lower than the risk tolerance level of the Eligible Customer as of 30 June 2026 based on his/her Risk Profiling Questionnaire record. For illustration purposes, the fund available for subscription with SimplyFund Account and the respective product risk level are as follows:

Fund Code	Fund Name	Product Risk Level
U50014	HSBC Global Money Funds - Hong Kong Dollar	1
U45545	Hang Seng CMS Bloomberg US Treasury 1-3 Year Index ETF (Unlisted Class)	1
U45550	Hang Seng CMS Bloomberg US Treasury 7-10 Year Index ETF (Unlisted Class)	2
U45081	Hang Seng Hong Kong Bond Fund	2
U45072	Hang Seng Global Balanced Fund	2
U45731	Hang Seng Global Investment Grade Bond Fund	2
U45732	Hang Seng JPMorgan US Equity Premium Income Active ETF (Unlisted Class)	3
U45093	Hang Seng Asian Growth and Income Fund	3
U45073	Hang Seng Global High Growth Fund	3
U45375	Hang Seng Asian Bond Fund	3
U45730	Hang Seng Global Technology Fund	4
U45531	Hang Seng Japan TOPIX 100 Index ETF (Unlisted Class)	4
U45498	Hang Seng S&P 500 Index ETF (Unlisted Class)	4
U45083	Hang Seng China New Economy Index Fund	4
U45077	Hang Seng Corporate Sustainability Index Fund	4
U45075	Hang Seng Index Fund	4
U45146	Hang Seng TECH Index ETF (Unlisted Class)	4
U45076	Hang Seng China Enterprises Index Fund	4

Note: The fund list and the respective product risk level above is as of 1 January 2026. The product risk level as of 30 June 2026 will be used for drawing the Fund Units. In case the product risk level of any fund(s) listed above is/ are revised when the fund units are deposited , such fund(s) will not be used for drawing as the Reward.

Example:
If the risk tolerance level of the Eligible Customer is “3 - Medium Risk” as of 30 June 2026, the Bank will draw one fund from the fund list above with product risk level ranging from 1 - 3 based on the respective product risk level as of 30 June 2026 as the Fund Units of that Eligible Customer.

The unit price of the Fund Units to be used will be based on the unit price on one of the dealing dates on or before 30 June 2026 (the “Pricing Date”). The Bank will subscribe for the Fund Units for the Eligible Customer on the Pricing Date. Eligible Customer can check the exact number of fund units rewarded from his/her SimplyFund Account afterwards. The exact number of fund units rewarded will also be shown in the SimplyFund Account monthly statement.
Please refer to Hang Seng Personal Mobile App > Investments > SimplyFund > Fund selection guide / Elxplore Funds for the Factsheet and Offering Documents of individual fund.
The Bank will deposit the Fund Units via a subscription transaction to the SimplyFund Account of the Eligible Customer on or before 30 June 2026. If you do not agree to receive these free fund units, please notify the Bank of the relevant arrangements through our branches or by contacting our customer service hotline within 14 calendar days after opening the SimplyFund Account.
If the deposit of the Fund Units is the first subscription transaction of the Eligible Customer's SimplyFund Account, the Bank's system will automatically set up a direct debit authorization instruction for the SimplyFund Account of the Eligible Customer after the relevant Fund Units have been deposited into the SimplyFund Account for the purpose of charging the Monthly Account Fees of the SimplyFund Account, if any, in the future. Please note that customer will have to pay for the Monthly Account Fee of SimplyFund Account if the Monthly Average Portfolio Value of the SimplyFund Account is HKD5,000 or above. For the details of SimplyFund Account fee, please refer to Hang Seng Bank website > Investments > Investment Fund > SimplyFund.
The Fund Units received by the Eligible Customer does not represent any investment advice from the Bank. Before the Eligible Customer makes any investment decision, the Eligible Customer must make investment decisions in light of his/her own investment objectives, investment experience, financial situation or other needs, and where necessary consult his/her own professional advisers before making any investment.
Completion time of the SimplyFund Account opening is subject to the Bank's record. The Bank will determine the eligibility of the Reward based on the record held by the Bank. In case of any disputes, the Bank's record shall be final and conclusive.
On or before 30 June 2026, a MMS notifying Eligible Customers of the Fund Units details will be sent by the Bank. All relevant accounts, the Risk Profiling Questionnaire record and the Personal e-Banking record of Eligible Customers must remain valid. Eligible Customers must maintain a minimum Total Relationship Balance ("TRB") of at least HKD 5,000 until the fund units are deposited into their relevant account. (The TRB is (1) the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit card cash advances, outstanding balance of personal loans and (2) the accumulated premiums paid for the designated life insurance plans distributed by the Bank as an agent (excluding insurance plans which are certified under the Voluntary Health Insurance Scheme) as well as Hang Seng MPF balance. For sole-named Integrated Account holders, their other joint-named account(s) will also be included.)
In case of any reason the Bank is unable to provide the Fund Units, the Bank reserves the right to substitute the Fund Units with other reward at any time without prior notice. The value or nature of the substitute reward may differ from the Fund Units provided in this Promotion .
The Promotion 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 Promotion.
Unless otherwise specified, the Promotion is not applicable to Business Banking and Private Banking customers of the Bank, and cannot be used in conjunction with other offer(s) of the Bank.
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.
These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
These Terms and Conditions are subject to prevailing regulatory requirements.
For more details of the Promotion, please contact the Bank's staff. The Promotion is offered by the Bank. The Bank reserves the right to suspend, vary or terminate the Promotion and to amend these Terms and Conditions at any time without prior notice. The Bank also reserves the right of final decision on all matters relating to the Promotion, which shall be binding on all parties concerned.
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 SimplyFund Account:

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.
Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank's wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank's affiliates HSBC Global Asset Management (Hong Kong) Limited.