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Hang Seng Bank Limited ("the Bank") reserves the right to change the above offers or terminate the offers at any time without prior notice. In case of disputes over the above offers, the decision of the Bank shall be final.

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Interest rates are subject to review according to changes in market conditions. The Bank reserves the right to change the above interest rates from time to time. Before conducting any transaction in connection with this offer, please ask Bank staff about the actual prevailing interest rates that will be offered to you at the time of your transaction.

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The promotion offer cannot be used in conjunction with other preferential interest rate offers.