Relevant Investment Products Subscription Rewards

Investment involves risks including the possibility of loss of the capital invested. Prices of investment products may go up as well as down and may even become valueless. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

At Hang Seng, we are always devoted to providing you with a full spectrum of investment products and wealth management services, to help you enhance your potential investment return. From now until 30 June 2022 (the “Promotion Period”), eligible customers can exclusively enjoy the following fabulous rewards:

Reward 1

Eligible Signature/Prestige Banking customers who successfully subscribe for the Relevant Investment Products Type A¹ with designated accumulated investment amount can earn up to HKD12,888 Rewards²:

Accumulated Investment Amount	Cash Rewards²
HKD500,000 to less than HKD1,000,000	HKD1,000
HKD1,000,000 to less than HKD3,000,000	HKD2,000
HKD3,000,000 to less than HKD5,000,000	HKD8,888
HKD5,000,000 or above	HKD12,888

Reward 2

Eligible Signature/Prestige Banking customers who successfully subscribe for the Relevant Investment Products Type B³ with an accumulated investment amount reaching every HKD500,000 can earn HKD400 Cash Reward, capped at a maximum of HKD4,000 Cash Reward⁴!

Accumulated Investment Amount	Cash Rewards⁴
Every HKD500,000	HKD400 (Capped at a maximum of HKD4,000 Cash Reward)

Reward 3

Eligible Signature customers who successfully subscribe for Relevant Investment Products Type A¹ with an accumulated investment amount reaching HKD5,000,000 or more can earn an extra HKD2,000 Cash Reward⁵!

Terms and Conditionsapply to the offers of subscription for the Relevant Investment Products.

Relevant Investment Products Type A include Investment Funds Distributed by the Bank, Equity Linked Structured Products, 3rd party Certificate of Deposit Product and/ or Secondary Market Bonds.
Applicable to personal customers who newly open a Signature or Prestige Banking account during the Promotion Period, or existing Signature or Prestige Banking personal customers who did not perform any transaction of Relevant Investment Products Type A between 1 January 2021 and 15 February 2022.
Relevant Investment Products Type B include MaxiInterest Investment Deposit, and/or Capital Protected Investment Deposit.
Applicable to personal customers who newly open a Signature or Prestige Banking account during the Promotion Period, or existing Signature or Prestige Banking personal customers who did not perform any transaction of Relevant Investment Products Type A and Relevant Investment Products Type B between 1 January 2021 and15 February 2022.
Applicable to personal customers who newly open a Signature account during the Promotion Period, or existing Signature personal customers who did not perform any transaction of Relevant Investment Products Type A between 1 January 2021 and 15 February 2022.

Moreover, transfer-in Eligible Fund Units to the Bank
to enjoy a Cash Reward with No Limit

From now until 31 December 2022, Signature/Prestige Banking customers who successfully transfer-in Eligible Fund Units to the Bank with a specified accumulated investment amount can enjoy a Cash Reward with no limit!

Accumulated Amount of the Eligible Transferred-in Fund Units	Cash Reward
First HKD500,000	HKD2,000
For every HKD200,000 accumulated amount after the first HKD500,000	HKD800 (no limit)

Terms and Conditions apply to the offers of transfer-in Eligible Fund Units to the Bank.

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The above offers are not and should not be considered as an offer or solicitation to deal in any of the investment products or services mentioned herein. Where necessary, please consult an independent financial consultant for professional advice. For details, please refer to the relevant Terms and Conditions and the relevant products' offering documents.

Risk Disclosure of Investment Funds

Investors should note that all investments involve 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.

Risk Disclosure of Equity Linked Structured Products

The market value of the Equity Linked Structured Products may fluctuate and investors may sustain a total loss of their investment. Prospective investors should therefore ensure that they understand the nature of the Equity Linked Structured Products and carefully study the risk factors set out in the offering documents for the Equity Linked Structured Products and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked investments. If you purchase the Equity Linked Structured Products, you are relying upon the creditworthiness of the Issuer of Equity Linked Structured Products.
Liquidity risk - Equity Linked Structured Products are designed to be held to its maturity. You may not be able to sell your investment in the Equity Linked Structured Products before maturity. If you try to sell the Equity Linked Structured Products before expiry, the amount you receive may be substantially less than the investment amount you paid for the Equity Linked Structured Products.
Credit risk of the Equity Linked Structured Products issuer - Equity Linked Structured Products constitute general unsecured and unsubordinated contractual obligations of the issuer. When you buy Equity Linked Structured Products, you will be relying on the creditworthiness of the Equity Linked Structured Products issuer and of no other person. You have no rights under the terms and conditions of Equity Linked Structured Products against any issuer of any linked stock. If the relevant Equity Linked Structured Products issuer becomes insolvent or default on its obligations under the Equity Linked Structured Products, in the worst case scenario, you could lose all of your investment.
Not the same as investing in linked stock - Investing in Equity Linked Structured Products is not the same as investing in the linked stock(s). Changes in the market price or level of any linked stock(s) may not lead to a corresponding change in the market value of, or your potential gain or loss under, the Equity Linked Structured Products.

Important Risk Warning of Bond and 3rd party Certificate of Deposit Product

Bonds and Certificates of Deposit (CDs) are investment products. The investment decision is yours but you should not invest in a bond/CD unless the intermediary who sells it to you has explained to you that the bond/CD is suitable to you having regard to your financial situation, investment experience and investment objectives. Your intermediary is under a duty to assure that you understand the nature and risks of this product, and that you have sufficient net worth to be able to assume the risks and bear the potential losses of trading in this product.
Bonds are not deposits and should not be treated as substitute for conventional time deposits.
Certificate of Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investors who purchase bonds/CDs are exposed to the credit risk of the issuer and guarantor (if any) of the bonds/CDs. There is no assurance of protection against a default by the issuer/guarantor in respect of the repayment obligations. In the worst case scenario, any failure by the issuer and the guarantor (if any) to perform their respective obligations under the bonds/CDs when due may result in a total loss of all of your investment.

Risk Disclosure of MaxiInterest Investment Deposit

This is a structured product involving derivatives. The investment decision is yours but you should not invest in the MaxiInterest Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investors should read the relevant Important Facts Statement, Terms and Conditions and risk disclosure statement before making any investment decision.
Investors should note that this product is not capital protected and is not a normal time deposit, and thus should not be considered as normal time deposit or its alternative.
Earnings on this product are limited to the nominal interest payable. As the principal and the earning will be paid in the Deposit Currency or the Linked Currency, whichever has depreciated against the other, investors will have to bear the potential losses due to currency depreciation, which may be substantial. If the product is withdrawn before maturity, investors will also have to bear the costs involved. Such losses and costs may reduce the earnings and the principal amount of this product.
Investors should seek professional advice where necessary. The relevant Terms and Conditions of this product are available upon request to the staff of the Bank.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the MaxiInterest Investment Deposit involving RMB are subject to the currency risk of RMB.

Risk Disclosure of Capital Protected Investment Deposit

This is a structured product involving derivatives. The investment decision is yours but you should not invest in the Capital Protected Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Investor should read the Important Facts Statement of the relevant investment type, the relevant term sheet, Terms and Conditions and risk disclosure statement before making any investment decision.
Investor should note that this product is not normal time deposit and thus should not be considered as normal time deposit or its alternative.
This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Investment in this product is subject to the credit risk of the Bank.
Renminbi (RMB) is subject to foreign exchange control by the PRC government and thus investors investing in the Currency-Linked Capital Protected Investment Deposit involving RMB are subject to the currency risk of RMB.

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