General Terms and Conditions:

1. Unless otherwise specified, this promotion is not applicable to corporate account customers.
2. No person other than the customer and Hang Seng Bank Limited (“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 provisions of these Terms and Conditions.
3. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
4. These Terms and Conditions are subject to prevailing regulatory requirements.
5. The Bank reserves the right to suspend, vary or terminate this promotion and the relevant offers at any time and to amend the relevant Terms and Conditions from time to time without prior notice.
6. In case of any disputes, the decision of the Bank on all matters relating to this promotion and the relevant offers shall be final and binding on all the parties concerned. This promotion and the relevant offers are subject to the Terms and Conditions for the relevant products or services. If there is any inconsistency between the Terms and Conditions for the relevant products or services and these Terms and Conditions, these Terms and Conditions shall prevail.
7. In case of any discrepancy between the English and the Chinese versions of these Terms and Conditions, the English version shall prevail.

Terms and Conditions for Foreign Currency Time Deposit Interest Rate Promotion:

8. The promotion period from 2 October 2025 to 31 December 2025 (both dates inclusive)
9. Designated transaction channels and transaction time of this offer are as follows:

   Designated Transaction Channel	Transaction Time (“Designated Transaction Time”)
   Hang Seng Personal e-Banking Hang Seng Mobile App	Monday to Fridays: 08:00am to 07:55pm (Not applicable to non-transaction time, Saturdays, Sundays, Hong Kong public holidays, holidays of the country or region where the currency is issued, and non-clearing day due to adverse weather condition such as typhoon signal or rainstorm warning)
   Phone banking hotlines Prestige Private (852) 29988022 Prestige Banking (852) 29989188 Preferred Banking (852) 28228228 Integrated Accounts (852) 28228233	Monday to Fridays: 09:00am to 07:00pm Saturdays: 09:00am to 12:55pm
   Branches	Please refer to  Hang Seng Bank Branch Service Arrangements.



10. This preferential foreign currency time deposit interest rates under this offer (“this offer”) are set out in the tables below, and are only applicable to customers who fulfill the below requirements ("Eligible Customer(s)"):
    1. Perform real-time exchange of AUD, CAD, CNY, EUR, GBP, HKD, JPY, NZD or USD (“Designated Currency(ies)”) with either HKD10,000 or its equivalent (“HKDE”) to below HKDE1,000,000, or no less than HKDE1,000,000 (in any event capped at USD2,000,000 or its equivalent) (“Designated Currency Exchange Amount”) per single FX transaction through any sole or joint personal integrated accounts (including Prestige Private, Prestige Banking, Preferred Banking and Integrated Account) (“Eligible Account”) held with the Bank via any of the Designated Transaction Channels above (unless otherwise specified) within Designated Transaction Time during the Promotion Period; and
    2. Set up either a 1-week or 1-month time deposit in the same Designated Currency through Eligible Account via the same transaction channel at the same time as the currency exchange. The time deposit amount must be either HKDE10,000 to below HKDE1,000,000, or above HKDE1,000,000 (in any event capped at USD2,000,000 or its equivalent), and no more than the actual amount of the Designated Currency that has been converted.
    
    For Prestige Private or Prestige Banking Account Holders:

    Tenor	1-week		1-month
    Exchange Amount Time Deposit Amount	>=HKDE 1,000,000	HKDE 10,000 to <HKDE 1,000,000	>=HKDE 1,000,000	HKDE 10,000 to <HKDE 1,000,000
    AUD	15.8%	13.8%	4.5%	4.0%
    GBP	15.0%	13.0%	4.0%	3.5%
    NZD	15.0%	13.0%	4.0%	3.5%
    CAD	15.0%	13.0%	4.0%	3.5%
    CNY	12.0%	12.0%	3.5%	3.5%
    USD	8.0%	8.0%	4.0%	3.5%
    EUR	8.0%	8.0%	3.5%	3.5%
    JPY	8.0%	8.0%*	-	-
    HKD	5.0%	5.0%	-	-

    *The offer is applicable only via the Hang Seng Personal e-Banking or Hang Seng Mobile App.
    
    For Preferred Banking or Integrated Account Holders:

    Tenor	1-week				1-month
    Exchange Amount Time Deposit Amount	>=HKDE 1,000,000		HKDE 10,000 to <HKDE 1,000,000		>=HKDE 1,000,000		HKDE 10,000 to <HKDE 1,000,000
    Transaction Channel	Hang Seng Personal e-Banking / Hang Seng Mobile App	Branches / Phone Banking Hotlines	Hang Seng Personal e-Banking / Hang Seng Mobile App	Branches / Phone Banking Hotlines	Hang Seng Personal e-Banking / Hang Seng Mobile App	Branches / Phone Banking Hotlines	Hang Seng Personal e-Banking / Hang Seng Mobile App	Branches / Phone Banking Hotlines
    AUD	15.8%	13.8%	13.8%	11.8%	4.5%	4.0%	4.0%	3.5%
    GBP	15.0%	13.0%	13.0%	11.0%	4.0%	3.5%	3.5%	3.0%
    NZD	15.0%	13.0%	13.0%	11.0%	4.0%	3.5%	3.5%	3.0%
    CAD	15.0%	13.0%	13.0%	11.0%	4.0%	3.5%	3.5%	3.0%
    CNY	12.0%	10.0%	12.0%	10.0%	3.5%	3.0%	3.5%	3.0%
    USD	8.0%	6.0%	8.0%	6.0%	4.0%	3.5%	3.5%	3.0%
    EUR	8.0%	6.0%	8.0%	6.0%	3.5%	3.0%	3.5%	3.0%
    JPY	8.0%	8.0%	8.0%	-	-	-	-	-
    HKD	5.0%	3.0%	5.0%	3.0%	-	-	-	-

    
    
11. For any cross currency exchange, the relevant transaction amount will be determined and calculated in HKDE with the exchange rate solely determined by the Bank on the transaction day.
12. For transaction via Hang Seng Personal e-Banking or Hang Seng Mobile App, customer must perform exchange of an Designated Currency via “Foreign Exchange” > “Foreign Exchange Service”; and after the transaction completed, customer must immediately click “Set up time deposit” instruction on the top of the Acknowledgement Page to set up either a 1-week or 1-month time deposit to enjoy this offer.
13. This offer is not applicable to the pending and the renewal of time deposit and is not applicable to transaction(s) via notes exchange, cash deposit, notes withdrawal, inward remittance, Overseas Transfer Service, Global Money+, 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).
14. Any exchange which is not performed with a Designated Currency through an Eligible Account, any transaction which does not meet the transaction amount stated above, or any 1-week or 1-month time deposit that is not set up immediately after the currency exchange will not be eligible for this offer. In case of disputes, the decision of the Bank on the customer’s eligibility to enjoy this offer shall be final.
15. Eligible Customers can enjoy this offer more than once during the Promotion Period.
16. This offer cannot be used in conjunction with other interest rate or exchange rate offers for the same currency.
17. Interest rates and exchange rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate of this offer at any time without prior notice.