Notes:

• The mobile app is free of charge, but normal banking and transaction charges may apply when you conduct transactions via the app. Please refer to Hang Seng Bank's service charges for details. In addition, customers are responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your mobile network service provider.
• The mobile app can be accessed via the network of any local or overseas telecommunications service provider. You can use a 2G, 3G, HSDPA, 4G or Wi-Fi service. However, you must have a mobile internet service plan and handset that can support Internet access. Access to the Internet may also involve set-up procedures on your handset for ome fixed IP SIM cards. Please check with your telecommunication service provider for details and up-to-date instructions. The connection speed may vary for different telecommunication service providers, different data usage plans, and different geographical locations. If you experience a slow response when mobile web browsing or during data transmission, please check with your telecommunication service provider. Customers are responsible for any fees and charges which may be levied by relevant telecommunication service provider from time to time. For any queries on charges for internet access, please contact your telecommunication service provider.
• Android, Google Play and the Google Play logo are trademarks of Google LLC.
• Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

Remark

The Promotion is intended only for persons in the Hong Kong SAR. The Promotion does not constitute nor is it intended to be construed as any solicitation, offer, sell, nor recommendation to purchase in any investment products and services to any person outside Hong Kong.

^This means that customers can now subscribe/use Hang Seng Gold Master related products and services through the Hang Seng Mobile App. This is not indicative of any performance or return of any investment products and services.

1. Under Gold Master, there is a list of certain banking and investment products/services provided by Hang Seng which are gold related for your information and reference. It does not constitute nor is it intended to be construed as any investment advice, offer, solicitation or recommendation to deal in any investments. The products/services mentioned may not be suitable for all customers. No consideration has been given to the individual circumstances of any customers.
2. Terms and Conditions apply for Investment Services Lucky Draw. For more details, please refer to hangseng.com/invpromohangseng.com/invpromo.
3. The God of Wealth & Gallant Horse 999.9 Pure Gold Medal Ruyi Knot (1.8gram) is 30mm in diameter, it was valued at approximately HKD2,651 (the value excluded the manufacturing cost), according to the supplier’s gold price on 4 February 2026.The actual gold weight is subject to the actual product. The photo is for reference only.
4. Terms and Conditions apply for Online Investment Services Subscription Offer. For more details, please refer to hangseng.com/invpromohangseng.com/invpromo.
5. The Offer is applicable to Prestige Private, Prestige Banking, Preferred Banking and Integrated Account personal customers of Hang Seng Bank Limited who did not subscribe Designated Investment Products from 1 October 2025 to 31 March 2026.

Other point(s) to note

1. These pages are not intended to provide or be regarded as legal or taxation advice, or investment recommendations. You should obtain independent professional advice if you have concerns about your investment.
2. You should consult your own tax advisers on relevant tax arrangements.
3. The liabilities of the Bank in respect of the gold products and gold related investments under Gold Master (collectively the "products") are limited exclusively to an office of the Bank in Hong Kong and instructions in respect of the products may only be made to, and acted upon by, such office. Any amount relating to the products is payable exclusively by an office of the Bank in Hong Kong and in its stated currency. The respective terms and conditions applicable to the products are governed by, and shall be construed in accordance with, the laws of Hong Kong.
4. If you have any feedback or complaint in relation to our services, you may contact our branch staff or call our hotline at 2998989829989898. We will respond to you within a reasonable period of time normally not exceeding 30 days in general circumstances. You may contact the Hong Kong Monetary Authority at 55th Floor Two International Finance Centre, 8 Finance Street, Central, Hong Kong if you are not satisfied with our handling of your complaint.
5. Hang Seng Bank Limited is a Registered Licensed Bank under the Banking Ordinance.
6. This page is issued by Hang Seng Bank Limited. Its contents have not been reviewed by any regulatory authority in Hong Kong.

Risk Disclosures

• Investment involves risks. Gold price may go up or down and its past performance is not indicative of future performance. The risk of loss in gold trading can be substantial. The relevant product and related documents including risk disclosures should be read in detail before making any investment decision.
• Foreign exchange and precious metal trading involves a high degree of risk. The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. Investors should read the relevant investment product or service's offering documents and terms and conditions (including the risk disclosures therein) in detail before making any investment decision.