General Terms and Conditions:

1. The promotion period of the Promotion is from 21 June to 30 September 2020 (both days inclusive) (“Promotion Period”).
2. The Promotion is applicable to the below Hang Seng Bank Limited (“Hang Seng”) customers who satisfy all the requirements in paragraphs 2i to 2iii (“Eligible Customers”):
   1. Personal customers holding a Prestige Signature, Prestige Banking, Preferred Banking, Green Banking, Integrated Account or HKD Savings / Current Account (each an “Eligible Account”) with Hang Seng; and,
   2. Have a valid mobile number and email address under Hang Seng’s record; and,
   3. Is either:
      1. New Personal e-Banking Customers (“New Customers”): The customers who did not register Hang Seng Personal e-Banking between 2 January and 20 June 2020 and successfully registered Hang Seng Personal e-Banking via hangseng.com (desktop version) or Hang Seng Personal Banking mobile app within the Promotion Period; or
      2. Existing Personal e-Banking Customers: : All customers who hold a valid Hang Seng Personal e-Banking account on or before 21 June 2020.
3. New Customers will receive a SMS from Hang Seng regarding the redemption of Welcome Reward which contain the instruction to register H A R O on WhatsApp at designated registration website and perform the instant lucky draw using the lucky code at H A R O on WhatsApp.
4. Eligible Customers must maintain the Eligible Account and the e-Banking service shall remain effective until 31 December 2020 in order to receive the offers stated under this Promotion (“Offer”).
5. For joint accounts, only the primary account holder is eligible for this Offer.
6. Hang Seng will credit the Cash Rewards (“Cash Reward”) in Hong Kong dollars into the relevant Eligible Account of the Eligible Customer on or before 31 December 2020. The relevant Eligible Account must remain valid when the relevant Cash Rewards are credited.
7. Unless otherwise specified, the Offer is not applicable to Commercial Banking and Private Banking customers of the Bank, and cannot be used in conjunction with other offer(s) of Hang Seng.
8. Hang Seng reserves the right to suspend, revise or terminate the Promotion at any time and to amend the Terms and Conditions thereof from time to time. In case of any disputes, the decision of Hang Seng shall be final.
9. No person other than the Customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these Terms and Conditions.
10. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
11. These Terms and Conditions are subject to prevailing regulatory requirements.
12. The English version of these terms and conditions shall prevail whenever there is a discrepancy between the English and Chinese versions.

Terms and Conditions for “Welcome Reward for New Personal e-Banking Customers” (the “Welcome Reward”):

13. New Customers who successfully register Hang Seng Personal e-Banking via hangseng.com (desktop version) or Hang Seng Personal e-Banking mobile app and register at least one of the Eligible Accounts for the e-Statement service within 7 calendar days of e-Banking registration, will receive a SMS from Hang Seng regarding the Welcome Reward within 30 business days, such SMS contain the registration website of H A R O on WhatsApp and lucky code. New Customer must follow the instruction as stated on the SMS to register H A R O on WhatsApp at designated registration website and perform the instant lucky draw (“Lucky Draw”) at H A R O on WhatsApp.
14. Upon receiving the relevant SMS, New Customers must perform the Lucky Draw on or before 31 October 2020, Lucky Draw entry will not be re-issue if expired.
15. By completing registration at H A R O on WhatsApp, this indicates New Customer agrees to the terms set out in the Hang Seng Virtual Assistant on WhatsApp Terms and Conditions (for details please visit hangseng.com/en-hk/e-services/haro). New Customer cannot perform the Lucky Draw if does not agree the Hang Seng Virtual Assistant on WhatsApp Terms and Conditions.
16. There is a total of 9,005 winners will be drawn (“Winner”), and each winner is entitled to redeem one of the prizes listed as below (“Lucky Draw Prize”):

    Lucky Draw Prize	Quota
    HKD10,000 Cash Reward	5 customers
    7-Eleven HKD50 E-Cash Voucher (“E-Cash Voucher”)	9,000 customers

17. In any condition, all Lucky Draw Prize is non-exchangeable for other gifts and no change will be given, E-Cash Vouchers are non-redeemable for cash and will not be re-issued if deleted, lost, damaged or unused after expiry.
18. In case of any reason, Hang Seng reserves the right to substitute the Lucky Draw Prize with other gifts at any time without prior notice. The value or nature of the substitute gift may differ from the Lucky Draw Prize offered in this Promotion.
19. After downloading the E-Cash Voucher, the Winner can redeem the E-Cash Voucher awarded by presenting it to any specified 7-Eleven outlets ("Designated Merchant") on or before the expiry date shown on the E-Cash Voucher. Any expired e-Cash Voucher will not be accepted or replaced.
20. Each E-Cash Voucher can only be used once and will expire once used. Payment must be made for any spending amount exceeding the face value of the E-Cash Voucher, while no change will be given when the spending amount is less than its face value. The Designated Merchant reserves the right of final decision on determining the validity of any E-Cash Voucher.
21. Hang Seng is not the supplier of the E-Cash Voucher and will therefore not be responsible for any liability relating to the E-Cash Voucher. Any matters with regards to the quality and availability of the product(s) and/or service(s) relating to the E-Cash Voucher will be the sole obligations of the supplier of the E-Cash Voucher. Any disputes or complaints relating to the E-Cash Voucher shall be resolved directly between the customers concerned and the supplier. For the details of how to use the E-Cash Voucher, please refer to the terms and conditions shown/printed thereon.
22. New Customers who are entitled for the HKD10,000 cash rewards in Welcome Reward will be ineligible for “Cash Payout Scheme” Promotion stated below.

Terms and Conditions for “Cash Payout Scheme” Promotion:

23. Eligible Customers should register the “Cash Payout Scheme” by The Government of the Hong Kong Special Administrative Region via Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app and successfully receive the payment deposited to the Eligible Account within the Promotion Period, Hang Seng will select a total of 9,005 Eligible Customers on random basis and reward with one of the prizes listed as below (“Cash Rewards”).

    Cash Rewards	Quota
    HKD10,000	5 customers
    HKD20	9,000 customers

24. Eligible Customers who are entitled for the HKD10,000 Cash Rewards from Welcome Reward above will be ineligible for this “Cash Payout Scheme” Promotion.

Terms and Conditions for Personal e-Banking Transactional Reward (“Transactional Reward”):

25. Eligible Customers who conduct Designated Items and fulfill the requirements in table below via Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app within the Promotion Period can earn the corresponding Cash Rewards as listed in the below table:

    Designated Item	Cash Reward	Quota
    (1) Register Faster Payment System (“FPS”) with mobile number and set Hang Seng as FPS default receiving bank for the first time	HKD20	Randomly pick 3,000 customers that have completed this item in each phase
    (2) Activate Mobile Security Key and Biometric Authentication at Hang Seng Personal Banking mobile app for the first time, and activate Push Notification service	HKD10	Randomly pick 3,000 customers that have completed this item in each phase
    (3) Complete 3rd party fund transfer or between self-named Hang Seng Accounts via Virtual Assistant H A R O	HKD5	Randomly pick 3,000 customers that have completed this item in each phase
    (4) Complete bill payment via Virtual Assistant H A R O	HKD5	Randomly pick 3,000 customers that have completed this item in each phase
    (5) Complete item (3) for three phase consecutively	HKD10	The first 3,000 customers to fulfill this item
    (6) Complete item (4) for three phase consecutively	HKD10	The first 3,000 customers to fulfill this item

26. The phases are stated as below:

    Phase	Period
    Phase 1	21 June 2020 to 31 July 2020
    Phase 2	1 August 2020 to 31 August 2020
    Phase 3	1 September 2020 to 30 September 2020

27. Designated item (1) and (2) can only be activated / registered for the first time within Promotion Period, and the relevant services must remain active until 31 December 2020, each Eligible Customer at most can only entitled the Cash Rewards from Designated item (1) and (2) once respectively.
28. Designated item (3) and (4) can be repeated within the Promotion Period, however, each Eligible Customer can only be entitled to the Cash Reward once in each phase and a maximum of three times throughout the Promotion Period for Designated item (3) and (4) respectively.

Other Related Products and Services:

29. For terms and conditions related to the Personal e-Banking Services, please visit hangseng.com/eBanking for details.
30. For terms and conditions related to the Mobile Security Key and Biometrics Authentication Services, please visit hangseng.com/msk for details.
31. For terms and conditions related to the Push Notification Service, please visit hangseng.com/pushnotification for details.
32. FPS is a real-time payment platform operated by Hong Kong Interbank Clearing Limited. For terms and conditions related to Faster Payment System (FPS), please visit hangseng.com/fps for details.
33. For terms and conditions related to Virtual Assistant H A R O, please visit hangseng.com/en-hk/e-services/haro for details.
34. For terms and conditions related to Hang Seng Virtual Assistant on WhatsApp, please visit https://www.hangseng.com/en-hk/personal/banking/digital/haro/whatsapp-registration for details.