Notes：

1. 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 30 September 2022 and are for reference only. The relevant interest rates will be subject to revision based on the prevailing market conditions.
2. Designated transaction time applicable to Offer 1:

   Designated Transaction Channel	Transaction Time
   Hang Seng Personal e-Banking Hang Seng Personal Mobile App	Monday to Fridays: 08:00am to 07:55pm (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	Monday to Fridays: 09:00am to 07:00pm Saturdays: 09:00am 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 .

3. Not applicable to the pending and the renewal of time deposit and the transaction(s) via FX Order Watch Service, Currency Switching Service, Virtual Assistant HARO services and Passbook Savings Account.
4. 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.
5. 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.
6. This offer refers to reduction of 15% on sales margin normally charged for FX transaction by the Bank. Other mark-up applied to the exchange rate for operational reasons will not be waived. Applicable to customers who hold valid Signature, Prestige Banking, Preferred Banking or Integrated Account (“Eligible Customer(s)”). When an Eligible Customer conducts an Eligible Transaction, the discount will be automatically applied as the exchange rate upfront. 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.
7. Designated transaction time applicable to Offer 2:

   Account Type	Exchange currency	Transaction Time
   Foreign Currency Statement Savings	USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD, CNY	From Mondays 06:00am to Saturdays 03:30am Saturdays: 08:00am to 12:55pm (Not applicable to non-transaction time, Sundays, Hong Kong public holidays, from 00:00am to 06:00am on the day following New Year’s Day, and from 00:00am to 06:00am on specific US holidays (Martin Luther King, Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day and Thanksgiving Day))
   	THB, ZAR	Monday to Fridays: 08:00am to 09:00pm Saturdays: 08:00am to 12:55pm (Not applicable to non-transaction time, Sundays and Hong Kong public holidays)
   Foreign Currency Passbook Savings	USD, AUD, CAD, CHF, EUR, JPY, GBP, NZD, CNY, THB, ZAR	Monday to Fridays: 08:00am to 06:55pm Saturdays: 08:00am to 12:55pm (Not applicable to non-transaction time, Sundays and Hong Kong public holidays)

8. Applicable to 11 currencies, including HKD, AUD, CAD, CHF, EUR, GBP, JPY, NZD, THB, USD and ZAR.
9. Not applicable to foreign exchange transaction(s) involving notes exchange, cash deposit, notes withdrawal, inward/outward remittance, Overseas Transfer Service, FX Order Watch Service, Currency Switching Service and foreign exchange transaction(s) made on pre-defined dates by way of forward dated instruction(s).