Hang Seng Bank

General Terms and Conditions for ESG Investment Subscription Services Lucky Draw (the “Offer”):

The Offer is valid from 1 July 2022 to 31 August 2022, both dates inclusive (the "Promotion Period").

The Offer is applicable to Signature, Prestige Banking, Preferred Banking and Integrated Account personal customers of Hang Seng Bank Limited (the “Bank”) who have successfully completed any one or more of the designated products or services items (“Designated Items”) stated below during the Promotion Period via any channels (“Eligible Customers”). The Bank will determine the eligibility of customers based on the record held by the Bank. Each Eligible Customer can be entitled to a maximum of 1 lucky draw entry (“Lucky Draw Entry”) for each Subscription Service Category and each Eligible Customer can be entitled to a maximum of 3 Lucky Draw Entries in total.

Subscription Service Category(ies)	No. of Lucky Draw Entry upon completion
Successfully subscribed for an ESG Bondⁱ via the Bond Subscription Service of the Bank.	1 Entry
Successfully subscribed for an ESG Investment Fundⁱⁱ with an Investment Fund Account (i.e., account suffix 382) via the Investment Funds Subscription Service of the Bank.	1 Entry
Successfully subscribed for an ESG themed Equity Linked Structured Productⁱⁱⁱ via the Equity Linked Investments Subscription Service of the Bank.	1 Entry

Bonds that are being labeled with an “ESG” indicator by the Bank (“ESG Bonds”). Please approach branches of the Bank for details.
ESG Investment Funds are funds categorized as “ESG Fund” by fund type in “Hang Seng Fund SuperMart” (Hang Seng Bank website > Investments > Fund SuperMart) (“ESG Investment Funds”) distributed by the Bank. Such fund is on the SFC’s list of green and environmental, social and governance (ESG) funds, which is a list compiled by the SFC on a best-effort basis based on confirmations and representations provided by the respective management companies that these SFC-authorised funds comply with the requirements (which include the name of the scheme, investment threshold, disclosure requirements and ongoing monitoring) set out in the SFC’s Circular on Green or ESG Funds dated 11 April 2019. The SFC has not independently verified the effectiveness of the investment strategies, investment selection processes, investment portfolios and management or the criteria used to achieve the stated green or ESG investment focuses adopted by these products. The list of green and ESG funds does not constitute an official recommendation of these products or a guarantee of their green or ESG attributes or related performance. Further, SFC authorization is not a recommendation or endorsement of a fund nor does it guarantee the commercial merits of a fund or its performance. It does not mean the fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. Please approach branches of the Bank for details.
Equity linked structured products that are being labeled with an “ESG” indicator by the Bank at Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app (“ESG themed Equity Linked Structured Products”). Please approach branches of the Bank for details.

The list of “ESG Bonds”, “ESG Investment Funds” or “ESG themed Equity Linked Structured Products” may vary from time to time and are subject to the Bank's record and discretion.
A total of 3 lucky draw winners (the “Gift Card Winners”) will be drawn randomly to get a HKD10,000 Apple Store Gift Card and a total of 50 lucky draw winners (the “NFT Winners”) will be drawn randomly to get an ESG Investment edition non-fungible token associated with a digital artwork (the “NFT”) as the prizes (the "Prize"). Each Eligible Customer may get one Prize only during the Promotion Period.
The completion time of the Designated Items under each Subscription Service Category and eligibility of the entries for the Lucky Draw are subject to the Bank's record and discretion. In case of any disputes, the Bank’s decision shall be final and conclusive.
The Bank will notify the Gift Card Winners the redemption details of the HKD10,000 Apple Store Gift Card by mail and will send out the redemption letter to the correspondence address of the relevant account registered with the Bank of the Gift Card Winners on or before 31 December 2022. All relevant accounts of the Gift Card Winners must remain valid until the mailing date of the redemption letter.
The Bank will notify the redemption of the NFT to the NFT Winners by emailing to their email address registered with the Bank (the “Redemption Email”) on or before 31 December 2022. All relevant accounts of the NFT Winners must remain valid until the send out date of the Redemption Email.
The NFT Winner must redeem the NFT on or before 31 March 2023 on the Articoin platform by following the instructions and passcode in the Redemption Email, otherwise he/she will be disqualified and the NFT will be forfeited without further notice.
The Redemption Email will set out the terms and conditions of the NFT, including the NFT Winner’s rights in the NFT and the associated artwork.
To ensure the Eligible Customer can receive the Redemption Email of relevant prize, the Eligible Customer must have already registered a valid email address with the Bank; otherwise, they shall be disqualified without further notice and the NFT will be considered as forfeited.
In case of any reason the Bank is unable to provide the Prizes, the Bank reserves the right to substitute the Prizes with other gifts at any time without prior notice. The value or nature of the substitute gift may differ from the Prizes offered for this Offer and no compensation would be provided by the Bank.
The Bank is not the supplier of the Prizes, and shall not be responsible for any liabilities related to the Prizes. Any matters with regards to the quality and availability of the Prizes will be the sole obligations of the suppliers of the Prizes. Any disputes relating to the Prizes shall be settled between the iPhone Winners / e-Cash Voucher Winners and the relevant suppliers directly.
The Offer is considered on a "per-eligible customer basis". In case the relevant account is a joint-named account, only the primary account holder can enjoy the Offer.
A customer may join this Offer and other NFT offers of the Bank within the Promotion Period if he/she meets the respective eligibility requirements.
Unless otherwise specified, the Offer is not applicable to Business Banking and Private Banking customers of the Bank, and cannot be used in conjunction with other offer(s) of the Bank.
The Bank reserves the right to suspend, vary or terminate all the offers at any time and to amend the relevant terms and conditions from time to time without prior notice. The decision of the Bank on all matters relating to this Offer shall be final and binding on all parties concerned.
No person other than the Customers and the Bank (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.
These terms and conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
These terms and conditions are subject to prevailing regulatory requirements.
In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

Risk Disclosure of Bonds

Bonds are investment products. The investment decision is yours but you should not invest in a bond unless the intermediary who sells it to you has explained to you that the bond 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.
Investors who purchase bonds are exposed to the credit risk of the issuer and guarantor (if any) of the bonds. 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 may result in a total loss of all of your investment.
Before making any investment, investors should i) read and fully understand all the offering documents relating to such securities or investments and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.

Risk Disclosure of Investment Funds

Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and risk disclosure statements of the relevant investment funds before making any investment decision. Investors should carefully consider whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.

Risk Disclosure of Equity Linked Structured Products

Equity Linked Structured Products involve derivatives. The investment decision is yours but you should not invest in an Equity Linked Structured Product unless the intermediary who sells it to you has explained to you that the Equity Linked Structured Product is suitable for you having regard to your financial situation, investment experience and investment objectives. Equity Linked Structured Product is a Complex Product and you should exercise caution in relation to this product. 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.
Before making any investment, investors should i) read and fully understand all the offering documents relating to such securities or investments and all the risk disclosure statements and risk warnings therein; and ii) make investment decisions in light of your own investment objectives, financial position and particular needs and where necessary consult your own professional advisers before investing.