Greater China Customers Welcome Rewards

Established Hang Seng Indexes Company Limited for the compilation of Hang Seng Indexes

Extensive coverage with around 280 service outlets in Hong Kong

The bank with the highest rated banking services in Hong Kong for 14 consecutive years¹

The most recommended bank by customers in Hong Kong²

Ranked No.2 among the Hong Kong Authentic 100 in the 2016 Authentic Brands study

Named as the World’s Strongest Bank by Bloomberg Markets magazine in 2015

Accredited for multiple years with the Outstanding Cross-border Banking Service Award by Wen Wei Po

Established its wholly-owned subsidiary Hang Seng Bank (China) Limited in 2007

Expanded its service coverage to many major cities on the Mainland

Prestige Banking

Preferred Banking

Member-Get-Member Referral Program

From now till 31 December 2019, join Prestige Banking to enjoy first year monthly fee waiver and the following fabulous welcome rewards.

*Total Relationship Balance Reward**
Achieve designated growth amount of Total Relationship Balance and register Hang Seng Personal e-Banking	Cash Dollars Entitlement
	New Customers	Existing Customers Upgraded to Prestige Banking
HKD5,000,000 or above	$2,400	$600
HKD3,000,000 - HKD4,999,999	$1,600
HKD1,000,000 - HKD2,999,999	$800	$300

Other Rewards and Offers
Investment Fund	As low as net 1% subscription fee for designated Investment Fund subscription Enjoy up to HKD12,000 Cash Rebate upon successful transfer-in of Eligible Fund Units
Life Insurance	Enjoy premium discount upon successful enrolment of designated Life Insurance Plans^#
Medical Protection	Enjoy up to HKD5,000 hotel gift voucher upon successful enrolment of designated Health Insurance Schemes Enjoy up to HKD2,500 gift voucher upon successful enrolment of Global Prestige VHIS Plan (VHIS Certification Number: F00035-(01-04)-000-01)
HKD Time Deposit	Enjoy 12-month Preferential HKD Time Deposit Interest Rate up to 1.9% p.a.**
HKD Savings Deposit	Enjoy 3-month HKD Savings Deposit Bonus Interest Rate of 1.1% p.a.
Payroll Services	Use Hang Seng Payroll Services to enjoy up to $1,300 Cash Dollars and a lucky draw chance to win $10,000 Cash Dollars
Prestige World Mastercard^®^	Welcome Offers of up to $600 Cash Dollars and Perpetual Annual Fee Waiver Up to 6% Cash Dollars Rebate on Overseas Spending Up to 4% Cash Dollars Rebate on Online Shopping / Weekend Local Dining

# Designated Life Insurance Plans include Treasure Life II Insurance Plan, MediCash Lifetime Insurance Plan, PreciousLife Critical Illness Life Insurance Plan and EmbraceLife Insurance Plan. The above Life Insurance Plans are underwritten by HangSeng Insurance Company Limited.
** The above deposit interest rate is quoted with reference to the interest rates offered by the Bank on 2 October 2019.

^ To borrow or not to borrow? Borrow only if you can repay!

More Fabulous Offers
Complimentary Overseas Education Advisory Service	Complimentary Overseas Education Advisory Service Prestige Banking customers and their children to receive comprehensive information and professional advice on studying abroad
Monthly fee waiver for Prestige Banking customers’ children	Prestige Banking customers’ children who successfully join or upgrade to Prestige Banking can enjoy first 3-year monthly fee waiver together with privileged services and offers

Monthly Fee Waiver Privileges
New Customers	First year monthly fee waiver (First year monthly fee waiver with no Total Relationship Balance requirement)
Existing Customers Upgraded to Prestige Banking	First year monthly fee waiver (Maintain a monthly Total Relationship Balance of HKD500,000 or above)

Hang Seng Hong Kong Personal Banking is now on WeChat!
Act now to follow

and bind with our Official Account, you can easily keep abreast of the latest market trend, access to the information of our banking products and services

Customers Enquiries
+852 2822 8282

For customers staying on the Mainland, please call
4001 20 8282 (toll-free hotline**)

For Terms and Conditions of the promotion, please click here.

Terms and conditions apply to all products / services and offers mentioned in this material. Please refer to the enclosed terms and conditions for details. This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the investment products or services mentioned herein.

This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.

The contents of this document have not been reviewed by any regulatory authority in Hong Kong.

Investors should note that investment involves risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read the relevant fund's offering documents (including the full text of the risk factors stated therein (in particular those associated with investments in emerging markets for funds investing in emerging markets)) in detail before making any investment decision.

If you have any doubt on this material or any offering documentation, you should seek independent professional advice.

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Based on the provisional estimate of Hong Kong Population aged 18 or above in end 2018 released by Census and Statistics Department and the number of Hang Seng Bank Customers aged 18 or above holding HKID card of the same period.

According to Kantar Hong Kong Banking Study 2005 - 2018, among personal banking customers of the 8 major banks in Hong Kong.

According to Kantar Hong Kong Banking Study 2018, among personal banking customers of the 8 major banks in Hong Kong.

The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included.

Toll-free Enquiry Hotlines allows you to contact us for free even while staying on the Mainland. These hotlines are applicable to enquiries on general personal services only but not applicable to enquiries/transactions of investment related matters. The toll-free hotlines can be accessed from mobile lines, fixed telephone lines, payphones and call cards and are free of IDD charge. Please contact relevant service supplier for details. Hang Seng Bank Limited assumes no responsibilities for such service. Customer agrees to be bound by the terms and conditions for the service provided by service providers which may be amended from time to time. For any claims, disputes and complaints regarding such service and information, customer should refer directly to service providers.

From now till to 31 December 2019, sign up as our Preferred Banking Customer to enjoy the following fabulous rewards and offers by meeting the respective requirements:

*Total Relationship Balance Reward**
Achieve Designated Growth Amount of Total Relationship Balance and Register Hang Seng Personal e-Banking	Cash Dollars Entitlement
	New Customers	Existing Customers Upgraded to Preferred Banking
HKD400,000 or above	$400	$200
HKD300,000 to below HKD400,000	$300	$150
HKD200,000 to below HKD300,000	$200	$100
HKD100,000 to below HKD200,000	$100	$50
In addition, achieve a growth amount of Total Relationship Balance at HKD100,000 to receive a Limited–edition Ocean Park Piggy Bank⁺. Photos for reference only. ©Ocean Park Corporation (2015). All Rights Reserved.

Limited–edition Ocean Park Piggy Bank is only available while stocks last.

Other Rewards and Privileges
Securities Account Offers	New securities customers opens a new securities account to enjoy: - HKD50 cash reward - 6 months unlimited $0 Brokerage Fee offer for online HK Stocks or Stock Connect Securities buy trades - Use "All-in-One" to enjoy extra HKD50 cash reward - Set up a new Monthly Investment Plan for Stocks online to enjoy First-year Handling Fee Waiver
Monthly Investment Plan for Funds	Set up a new Monthly Investment Plan for Funds online to enjoy 50% off on subscription fee. Monthly investment amount as low as HKD500
Voluntary Health Insurance Scheme	From now till 30 November 2019, enjoy up to HKD500 Personal Care Product Chain Store Gift voucher upon successful enrollment of Bupa MyBasic VHIS Plan (Standard Plan)
HKD Savings Deposit	For the first 3 months, New Preferred Banking Customers can enjoy 1% p.a. HKD Savings Deposit Bonus Interest Rate
Payroll Account	Use Hang Seng Payroll Services to enjoy up to $1,300 Cash Dollars and a lucky draw chance to win $10,000 Cash Dollars
MPOWER Card^	Successfully apply for MPOWER Card to enjoy up to 8 MCL Cinemas Movie Tickets (5 Movie Vouchers & One Year Membership with 3 Movie Vouchers) Extra Rewards: Open a new / upgrade to Preferred Banking and successfully apply and be approved for MPOWER Card to enjoy extra $100 Cash Dollars.

^ To borrow or not to borrow? Borrow only if you can repay!

Starting from 1 August 2019, there is no below balance fee for Preferred Banking.

Enjoy all the privileges and services offered by Preferred Banking for free by simply maintaining a Total Relationship Balance of HKD200,000 or hold the below products:

Product Holdings Required	Total Relationship Balance Requirement
Life Insurance plan¹ / Investment account with holding² / Auto-payroll service through Preferred Banking Account³	HKD20,000
Mortgage-Link Loan Scheme⁴	HKD50,000

In case your Total Relationship Balance is below HKD200,000, and do not hold the above banking products, no below balance fee will be charged. However, we may convert your Preferred Banking to integrated account.

Hang Seng Hong Kong Personal Banking is now on WeChat!
Act now to follow

and bind with our Official Account, you can easily keep abreast of the latest market trend, access to the information of our banking products and services

Customers Enquiries
+852 2822 8282

For customers staying on the Mainland, please call
4001 20 8282 (toll-free hotline**)

Note:

The designated life insurance plan must still be valid at each month end. For joint-named Preferred Banking Account, each account holder must hold a valid life insurance plan.
Holdings (include designated Securities or Investment Fund) in the subsidiary Investment Account of Preferred Banking must be transacted at or before month end, and deposited to the account for not less than one day.
As a valid Auto-payroll account, Integrated Account of Preferred Banking must have Auto-payroll transactions for at least two months within the three continuous months' period.
Customer must have a designated HKD savings account, a sub-account under the Preferred Banking Account, is used as the mortgage repayment account under the "HKD Mortgage-Link Loan Scheme" or the "RMB/HKD Mortgage-Link Loan Scheme" to which the preferential interest shall accrue and with the Total Relationship Balance ("TRB") not less than the designated amount.

For Terms and Conditions of the promotion, please click here.

This material is not intended to provide or regard as legal or taxation advice, or investment recommendations.

The contents of this document have not been reviewed by any regulatory authority in Hong Kong.

If you have any doubt on this material or any offering documentation, you should seek independent professional advice.

△

No matter whether you are moving to Hong Kong to live or work, or planning to invest or start a business here, you need a solid and trustworthy bank as your partner to help manage your wealth and business with total ease, so that you can make the most of the unlimited opportunities in Greater China for a fulfilling prestigious life. Please contact us now for more banking services details.

24-hour Toll-free Manned Hotlines

For customers staying on the Mainland:
4001 20 8282**
For customers staying in Hong Kong:
852 2822 8282

Make an Appointment
www.hangseng.com/eappointment

24-hour Toll-free Manned Hotlines
For customers staying on the Mainland: 4001 20 8282** For customers staying in Hong Kong: 852 2822 8282
Make an Appointment www.hangseng.com/eappointment

For more details of Hang Seng Cross-border Banking Services, please visit www.hangseng.com/china

△ Based on the preliminary population figure of Hong Kong citizen who aged 18 or above announced by Census and Statistics Department in 2018 year end and the number of Hang Seng Bank customers aged 18 or above in the same period.

According to Kantar Hong Kong Banking Study 2005 - 2018, among personal banking customers of the 8 major banks in Hong Kong.

According to Kantar Hong Kong Banking Study 2018, among personal banking customers of the 8 major banks in Hong Kong.

** Toll-free Enquiry Hotlines allows you to contact us for free even while staying on the Mainland. These hotlines are applicable to enquiries on general personal services only but not applicable to enquiries/transactions of investment related matters. The toll-free hotlines can be accessed from mobile lines, fixed telephone lines, payphones and call cards and are free of IDD charge. Please contact relevant service supplier for details. Hang Seng Bank Limited assumes no responsibilities for such service. Customer agrees to be bound by the terms and conditions for the service provided by service providers which may be amended from time to time. For any claims, disputes and complaints regarding such service and information, customer should refer directly to service providers.

The Bank only intends to provide this material in Hong Kong, and this material is not intended to be provided to persons who are situated in or domiciled in those jurisdictions where the distribution of this material is legally restricted. Persons who read this material are required to understand and observe the relevant restrictions themselves. If in any jurisdictions where the provision of this material to any person is contrary to the law, or if the persons providing this material in those jurisdictions are not qualified, then this material should not be considered as being provided to those jurisdictions/persons.

The information provided in this material is only for reference of the intended recipients and does not constitute any offer in respect of any products/services. Any intended recipient who needs any assistance is advised to make enquiries with us or visit our website to find out more. In addition, intended recipients should make sure that their financial activity is in compliance with the legal and regulatory requirements of the country/geographic region so far as applicable.