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* According to Added Value Banking Study 2005-2015, among personal banking customers of the 8 major banks in Hong Kong.

Cruise Vacation Discounted Promotion (the “Promotion”) Terms and Conditions:
1.
This Promotion is applicable to all newly booked Princess Cruises’ sailings on her above select voyage, and it is not combinable with any other offer.
2.
This Promotion is valid to new booking made between 30 May 2016 and 17 Jun 2016 and only applicable to the first two guests per cabin. Promotion will be subject to capacity control.
3.
To enjoy the above Promotion, customers are required to settle payment by using Hang Seng Visa Card or Hang Seng MasterCard (“Selected Hang Seng Credit Card”) during the Promotion Period.
4.
All tours, designated travel products and the relevant information are directly sold and supplied by Carnival Corporation Hong Kong Ltd (the “Merchant”) who is solely responsible for all related obligations and liabilities.
5.
Please note that fares are listed per person, non-air cruise-only and based on double occupancy. Fares exclude Taxes, Fee & Port Expenses, all flight arrangements prior and after the cruise, and the expenses on shore side
6.
This Promotion is governed by these terms and conditions and the Merchants terms and conditions. For more details, please contact 2952 8077.
7.
Hang Seng Bank Limited ("Hang Seng") and the Merchant reserve the right to vary or terminate the Promotion at any time and to amend the terms and conditions from time to time. In case of disputes, the decision of Hang Seng and the Merchant shall be final.
8.
These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
9.
These terms and conditions are subject to prevailing regulatory requirements.
10.
No person other than the Customer and Hang Seng (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.
11.
The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions.

Remark: Hang Seng Spending Card account is a non-interest bearing account. Funds maintained in the Hang Seng Spending Card account are not protected deposit and are not protected by the Deposit Protection Scheme in Hong Kong.