Notes：

1. "Bank’s Cost Price" refers to the exchange rate for foreign exchange without any sales margin normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived. This offer is subject to review according to fluctuations on market interest rates, currency rates, customers’ trading patterns and other factors from time to time. The Bank reserves the right to change the interest rate of this offer at any time without prior notice. In case of disputes, the decision of the Bank on the customer’s eligibility to enjoy this offer shall be final.
2. Eligible Customers and the designated FX transaction period applicable to Offer 1:

   Offer 1 Eligible Customers	Designated FX transaction period
   Group 1: New Customers Personal customers who successfully open a new Signature, Prestige Banking or Preferred Banking Account in Promotion Period; and have never held any banking account of the Bank in the 12 months immediately preceding the account opening month	From the 7th working day following the successful account opening date to 30 April 2023
   Group 2: New FX Customers Personal customers who have never made any foreign exchange transactions with the Bank from 1 January 2022 to 31 December 2022; and have been maintaining a valid Signature, Prestige Banking or Preferred Banking* Account since 2022 up to and including the Promotion Period	From 16 January 2023 to 30 April 2023

   Remark*: For Preferred Banking customer, his/her Total Relationship Balance of December 2022 must be at least HKD50,000 or its equivalent to be eligible for this offer.
3. Applicable currencies include USD, AUD, CAD, CHF, EUR, GBP, JPY, NZD, RMB, THB, ZAR and SGD, whereas SGD exchange service is available in branch only. Not applicable to foreign exchange transaction(s) involving notes exchange, cash deposit, notes withdrawal, inward/outward remittance, Overseas Transfer Service, FX Order Watch Service, foreign exchange transaction(s) via Passbook Savings Account and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).
4. For any cross currency exchange, the relevant amount will be converted into the Hong Kong Dollar equivalent with the exchange rate solely determined by the Bank on the transaction day, so as to calculate the relevant transaction amount in the Hong Kong Dollar equivalent.
5. For exchange of designated currencies and set up of 1-week time deposit at the same time. The above interest rate offers are quoted with reference to the interest rates offered by the Bank on 3 January 2023 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
6. Designated transaction time applicable to Offer 2:

   Transaction Channel	Transaction Time
   Hang Seng Personal e-Banking Hang Seng Personal Mobile App	Mondays to Fridays: 8:00am to 7:55pm (Not applicable to non-transaction time, Saturdays, Sundays, Hong Kong public holidays and holidays of the country or region where the currency is issued)
   Phone banking hotlines Signature （852）29988022 Prestige Banking （852）29989188 Preferred Banking （852）28228228 Integrated Accounts (852) 28228233	Mondays to Fridays: 9:00am to 7:00pm Saturdays: 9:00am to 12:55pm
   Branches	In light of the latest COVID-19 situation, service hours may change depending on the situation. For details, please refer to Hang Seng Bank Branch Service Arrangements.

7. Not applicable to the pending and the renewal of time deposit and the transaction(s) via FX Order Watch Service, Virtual Assistant HARO services and Passbook Savings Account.
8. The exchange amount cap of a single FX transaction is HKD2,000,000 or its equivalent. If the actual transaction amount exceeds the exchange amount cap, the 1-week time deposit board rate will be offered to the actual transaction amount.