1.

This online promotion starts from 21 April to 31 December 2008 (both dates inclusive) (“Promotion Period”) and is only applicable to Hang Seng Personal Loans and Hang Seng Unsecured Overdraft Facility (“Unsecured Overdraft”).  Hang Seng Personal Loans include Hang Seng Handy Cash Personal Instalment Loan, Hang Seng Self-fulfilment Interest-free Instalment Plan, Hang Seng Handy Cash Personal Revolving Loan (“Revolving Loan”) and Top-up Loan for Hang Seng Personal Instalment Loan (“Top-up Loan”).

2.

To be eligible for entering into the lucky draw, customers are required to apply successfully for and draw down Hang Seng Personal Loans or receive approval for Unsecured Overdraft via hangseng.com/loan or Hang Seng Personal e-Banking during the Promotion Period.   Customers will be entitled to one lucky draw entry for each eligible application.  This lucky draw is not applicable to the staff of Hang Seng Bank Limited (“Hang Seng”) and its subsidiary companies.

3.

Hang Seng will conduct the lucky draw on the 10th day of each month (if that day is a public holiday, the lucky draw will be postponed to the next working day) from June 2008 in the form of random draw via a computer system.  One winner will be drawn each month to win the full-year interest and handling fee waiver offer.  To be eligible for each specific round of lucky draw, customers are required to draw down Hang Seng Personal Loans or receive approval for Unsecured Overdraft during the specific periods as follows: the first round is from 21 April to 20 May 2008; the second round is from 21 May to 20 June 2008, and so on, and the last round is from 21 November to 31 December 2008.  Hang Seng will notify the winners on the reward details by mail.

4.

Winners of the full-year interest and handling fee waiver offer will be entitled to the rebate of the interests and handling fees for the first 12 months after their Hang Seng Personal Loans were drawn down or after the Unsecured Overdrafts were approved.  This rebate will be credited to customers’ instalment loan repayment accounts, Revolving Loan accounts or Unsecured Overdraft accounts in 4 phases from the day the customers have won the reward and will be calculated on a 3-month basis each phase.  To enjoy the rebate, customers must have no record of default or early settlement of their instalment loans or must not close their Revolving Loan accounts or Unsecured Overdraft accounts prior to the crediting of the rebate.  If customers settle their instalment loans ahead of schedule or close their Revolving Loan accounts or Unsecured Overdraft accounts within 12 months after the crediting of the 4th rebate, he/she shall return the rebate in full to Hang Seng upon settlement.  Hang Seng reserves the right to withdraw the full-year interest and handling fee waiver pending the credit assessment results.

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