1.

This online promotion starts from 1 March 2009 to 28 February 2010 (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 “Self-fulfilment” Interest-free Instalment Plan, Hang Seng Handy Cash Personal Instalment Loan, Hang Seng Tax Comforter 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 approval by 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. 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. 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 12 lucky draws 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) starting from April 2009 in the form of random draw via a computer system. One winner will be drawn each month for the 10% Loan Amount Rebate Offer (please refer to point four for the details). 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 2009; the second round is from 1 April to 30 April 2009, and so on, and the last round will be from 1 February to 28 February 2010. Hang Seng will notify the winners of the lucky draws and the reward details by mail.

4.

Each winner of the 10% Loan Amount Rebate Offer will be offered a 10% rebate of the loan amount of his or her Hang Seng Personal Instalment Loan or 10% rebate of the average daily outstanding balance for the first 12 months of his or her Revolving Loan/ Unsecured Overdrafts; to be eligible for the offer, each winner must fulfill all the conditions set out below. This rebate will be credited to customers’ instalment loan repayment accounts, Revolving Loan accounts or the account with the approved Unsecured Overdrafts in two phases and will be calculated on a six-month basis for each phase starting from the day the customers have won the reward.

•	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 crediting of the rebate.
•	If customers settle their instalment loans ahead of schedule after the crediting of the rebate or close their Revolving Loan accounts within 24 months after the account is opened or cancel their Unsecured Overdrafts within 24 months after the effective date, he/she shall return the rebate in full to Hang Seng upon settlement of the facility.
•	To enjoy the rebate, Revolving Loan customers are required to maintain an average daily outstanding balance (based on the statement balances shown on the statements) at 30% or above of the loan amount for each phase before the rebate is credited. To enjoy the rebate, Unsecured Overdraft customers are required to maintain an average daily outstanding balance (based on the posting date) at 30% or above of the overdraft facility. Customers will not be eligible for the second rebate if they fail to maintain the respective average daily outstanding balance in the remaining six months after the first rebate.

5.