Hang Seng MPF balance has now been included into the calculation of Total Relationship Balance for commercial customers Effective from 1 March, 2007, the Hang Seng MPF balance has also been included into the calculation of Total Relationship Balance for commercial customers. The revised Total Relationship Balance of a commercial customer includes monthly aggregate balance of the daily average of the commercial customer's deposits, statement gold, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of loans (except mortgage loans), trade finance, Hang Seng MPF balance and Hang Seng general insurance premiums paid for each month. Please call 24-Hour Business Partner Direct 2198 8000 for details.