Remarks:

1. Hang Seng Bank Limited ("Hang Seng") reserves the right to request any further supporting documents / information.
2. 10-seconds approval-in-principle approval service is only applicable to the online applications for Hang Seng SME Business Loan ("SME Business Loan") and 90% Guarantee Product under SME Financing Guarantee Scheme ("90% Guarantee Product") received by Hang Seng in 6:45am to 9pm from Mondays to Fridays, and from 6:45am to 6pm on Saturdays, Sundays and public holidays, and subject to the accuracy of information provided by customers, the devices and internet performance of customers, the availability and stability of the bank’s related systems and servers, as well as the credit reference agency’s services. Hang Seng reserves the right for providing the service. For the online applications without 10-seconds approval-in-principle approval results provided, the bank would contact the applicants in two working days. 10-seconds approval-in-principle approval result is generated according to the information provided by applicants in online application, the internal records of Hang Seng and credit information provided by credit reference agency. The 10-seconds approval-in-principle approval result is subject to the supporting documents provided by applicant and final review and approval by Hang Seng. Hang Seng reserves the right for approving a lesser amount of the 10-seconds approval-in-principle approval result or reject the application without giving any reason therefor.
3. The digital ID verification and e-Sign service is subject to the devices and internet performance of customers, the availability and stability of the bank’s related systems and servers. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong when completing digital ID verification and e-Sign. Hang Seng reserves the right for providing the service.