General Terms and Conditions:

• All the offers mentioned herein ("the offers") are not applicable to commercial customers, employees of Hang Seng Bank Limited ("the Bank") or any party who are enjoying staff offers of the Bank.
• The Bank reserves the right to suspend, vary or terminate the offers at any time and to amend the relevant terms and conditions from time to time without prior notice. The decision of the Bank on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned. In case of any dispute, the decision of the Bank shall be final.
• No person other than the Eligible Customers 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.
• In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

1. Hang Seng Bupa PreciousHealth Series Health Insurance Scheme – Excel Health Insurance Scheme – Terms and conditions of HKD 600 cash coupons
   • This offer is applicable to the customers who has successfully applied for the Excel Health Insurance Scheme under the Hang Seng Bupa PreciousHealth Series Health Insurance Scheme via Hang Seng Personal e-Banking during the promotion period. For details about the promotion period, terms and conditions in relation to the offer, please visit www.hangseng.com/medicaloffer or you may also approach any of our branches.
   • The Bank and Bupa (Asia) Limited ("Bupa") reserve 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. The decision of the Bank and Bupa on all matters relating to this promotion and the relevant offers shall be final and binding on all parties concerned. In case of any dispute, the decision of the Bank and Bupa shall be final.


2. Hang Seng Bupa PreciousHealth Series Health Insurance Scheme –Terms and conditions of $100 Cash Dollars
   • This offer is only applicable to the selected customers of the Integrated Account of Preferred Banking ("Preferred Banking") ("Eligible Customers").
   • $100 Cash Dollars will be rewarded to Eligible Customers who enroll the Excel Health Insurance Scheme or Excel Plus Health Insurance Scheme under the Hang Seng Bupa PreciousHealth Series Health Insurance Scheme, through the Preferred Banking and via Hang Seng Personal e-Banking or Call Center Hotline from 15 April 2017 to 30 June 2017 ("Promotion Period").
   • In case the relevant Preferred Banking is a joint-named account, only the primary account holder can enjoy the offer.
   • Eligible Customers can get a maximum of $100 Cash Dollars once only.
   • The Bank will credit the $100 Hang Seng Credit Card Cash Dollars ("Cash Dollars") that Eligible Customers can earn to their eligible Hang Seng Credit Card Principal Cards on or before 30 November 2017.
   • If an Eligible Customer does not have any eligible Hang Seng Credit Card, the Bank will arrange Cash Reward with the amount equivalent to Cash Dollars.
   • If Eligible Customers cancel the insurance scheme within 12 months from the date of receiving the Cash Dollars/Cash Reward, the Bank reserves the right to deduct the amount from the Eligible Customer's account at the Bank which is equivalent to the amount of Cash Dollars/Cash Reward without prior notice to customers.
   • The Cash Dollars will be credited to the Hang Seng Credit Card account with the highest Cash Dollars balance of Eligible Customer. If an Eligible Customer has one or more than one Hang Seng Credit Card account with an outstanding Advance Cash Dollars balance of Eligible Customer, the Cash Dollars will be credited into such Credit Card account with the highest outstanding Advance Cash Dollars balance at that time. Any Eligible Customer who does not have any applicable Hang Seng Credit Card Principal Card can make enquiries to the Bank and apply for one. The application must be successfully approved one month before the crediting of the relevant Cash Dollars in order to be eligible for the Cash Dollars rewards. If the application for the credit card is not approved, the Eligible Customer will not be offered any Cash Dollars. Upon the crediting of the Cash Dollars, the relevant Credit Card account must still be valid and with a good credit record.
   • Cash Dollars offers are not applicable to Hang Seng Supplementary Card, Business Card, Commercial Card, USD Visa Gold Card, UnionPay RMB Diamond Commercial Card, Renminbi Credit Card, Spending Card, e-shopping MasterCard and Private Label Card. The Cash Dollars cannot be transferred or converted into cash.
   • The use of Cash Dollars is subject to the terms and conditions of the Hang Seng Credit Card Membership Rewards Programme. For details, please call the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline at 2998 6899.
   • Cash Reward will be credited to Eligible Customer’s HKD Savings Account or HKD Current Account of Preferred Banking.
   • Preferred Banking must remain valid and Eligible Customer shall hold the insurance scheme (as mentioned above) at the time the offers are being rewarded. If by then Eligible Customers have terminated the relevant Preferred Banking or transferred to other banking account other than Preferred Banking or cancel the insurance scheme (as mentioned above), the Bank reserves the right to deduct from any account(s) of the Eligible Customers maintained with the Bank for the amount equivalent to the value of the rewards without prior notice.


3. The Treasure Life II Insurance Plan – Terms and conditions of premium discount for the first policy year
   • For information about the premium discount offer, the detail, terms and conditions and exclusions of The Treasure Life II Insurance Plan, please approach our branch staff, refer to the product leaflet or factsheet and the policy of the respective plan will be considered as final. You may also approach any of our branches.


4. "Personal Customer Insurance and Financial Needs Analysis Form"– Terms and conditions of HKD100 cash coupons
   • This offer is only applicable to the selected customers of Preferred Banking ("Eligible Customers").
   • From 15 April 2017 to 30 June 2017 ("Promotion Period"), Eligible Customers can enjoy HKD100 cash coupons upon completion of Personal Customer Insurance and Financial Needs Analysis Form in any of our branches.
   • Each Eligible Customers can get a maximum of HKD100 cash coupons once only.
   • Cash coupons cannot be redeemed for cash and they are available while stocks last. The Bank reserves the right to offer an alternate gift of the same value as replacement without prior notice.
   • All products, services and information related to the cash coupons are directly sold and supplied to customers by the relevant merchants, who are solely responsible for all related obligations and liabilities. Use of the cash coupons is subject to the relevant terms and conditions. For details, please refer to the terms and conditions printed on the back of the cash coupons.
   • Cash coupons are irreplaceable in the case of loss or expiry.