1.

This online promotion starts from 1 March 2010 to 28 February 2011 (both dates inclusive) (“Promotion Period”) and is only applicable to Hang Seng Personal Instalment Loans, Hang Seng Handy Cash Personal Revolving Loan (“Revolving Loan”) and Hang Seng Unsecured Overdraft Facility (“Unsecured Overdraft”). Hang Seng Personal Instalment Loans include Hang Seng Handy Cash Personal Instalment Loan, Hang Seng “Self-fulfilment” Interest-free Instalment Plan and Top-up Loan for Hang Seng Personal Instalment Loan (“Top-up Loan”).

2.

To be eligible to enter the lucky draw, customers are required to successfully apply for, and after approved by Hang Seng Bank Limited (“Hang Seng”), draw down their Hang Seng Personal Instalment Loans or Revolving Loans, or successfully apply for and obtain approval for their Unsecured Overdrafts via hangseng.com/loan or Hang Seng Personal e-Banking during the Promotion Period, with loan amount/unsecured overdraft limit of HKD10,000 or above. For Hang Seng Personal Instalment Loans, the required minimum repayment period is 12 months. Customers will be entitled to one lucky draw entry for each eligible application. Customers will get one extra lucky draw entry for each additional loan facility for which they have applied and obtained approval.

3.

Hang Seng will conduct 12 lucky draws on the 10th day of each month (if that day is a Saturday, Sunday, or public holiday, the lucky draw will be postponed to the next working day) starting from April 2010 in the form of random draw via a computer system. One winner will be drawn each month to receive a gift, subject to the conditions set out in point 4 below (please refer to the webpage as may be issued from time to time for details of the gift for each round of the lucky draw). To be eligible for each specific round of the lucky draw, customers are required to draw down their Hang Seng Personal Instalment Loans or Revolving Loans or obtain approval for their Unsecured Overdrafts during the specific periods (“Specific Periods”) as follows: the first round is from 1 March to 31 March 2010; the second round is from 1 April to 30 April 2010, and so on, and the last round will be from 1 February to 28 February 2011. Hang Seng will notify the winners of the lucky draws and the reward details by mail.

4.

To be eligible for the gift, each winner must fulfill all the conditions set out below:

•

Customers must have no record of default or early settlement of their Instalment Loans or must not close their Revolving Loan accounts or cancel their Unsecured Overdrafts prior to the receipt of gift; and

•

After the receipt of gift, if customers settle their Instalment Loans ahead of schedule or close their Revolving Loan accounts within 12 months after the account is opened or cancel their Unsecured Overdrafts within 12 months after the effective date, he/she shall refund the amount equivalent to the value of the gift (to be conclusively set out in the winner notification letter) to Hang Seng upon settlement or termination of the facility.