1. (1) The promotion period commences on 25 March 2019 and expires on 24 June 2019, both dates inclusive (the “Promotion Period”). The offers are available to customers who successfully apply for and draw down Hang Seng Debt Consolidation Instalment Loan (“the Loan”) within the Promotion Period.
2. (2) During the Promotion Period, customers who have successfully applied for and drawn down the Loan with loan amount HKD200,000 or above and a minimum repayment period of 24 months will be entitled to up to HKD12,500 cash reward. The cash reward is calculated on the settlement of credit card and/or personal instalment loan outstanding amount (“outstanding amount”) owed to the third party(ies) and/or extra cash out amount. Customer can enjoy HKD100 cash reward for each HKD20,000 of the sum of 1) settling outstanding amount owed to the third party(ies) and/or 2) extra cash out amount (Cash reward will be rounded down to the nearest hundred dollar). Cash reward offer cannot be used to settle the outstanding amount of Hang Seng Bank Limited (“Hang Seng”).
   
   Example of cash reward offer:
   

   	Amount	Non Hang Seng outstanding amount?	Cash Reward amount
   i) Settle Bank A / Financial Institution B outstanding amount	HKD160,000	✓
   ii) Settle Hang Seng outstanding amount	HKD50,000	x
   iii) Extra cash out	HKD150,000	✓
   The sum of i) settling outstanding amount owed to the third party(ies) and iii) extra cash out amount	HKD310,000		HKD1,500

   The cash reward will be credited to customer’s repayment account by 31 October 2019 without prior notice. Customers must have no record of default or early settlement of their instalment loans. If customers settle their instalment loans ahead of schedule after the crediting of the reward, he/ she shall return the cash reward in full to Hang Seng upon settlement of the Loan. Cash reward offer is not applicable to customer of Hang Seng Personal Loan account(s) (including Handy Cash Personal Instalment Loan, Tax Comforter Loan, Debt Consolidation Instalment Loan and Handy Cash Personal Revolving Loan) and Unsecured Overdraft Facility at the time of application. Each eligible customer could enjoy the offer once only in the Promotion Period.
3. (3) During the Promotion Period, customers who have successfully applied for the Loan via hangseng.com/loan, Hang Seng Personal e-Banking or Hang Seng Mobile Application and drawn down the Loan with a designated draw down amount and a minimum repayment period of 12 months will be entitled to up to HKD500 cash rebate. The applicable cash rebate for the corresponding draw down amount is shown as below.
   
   

   Draw Down Amount	Repayment Period	Cash Rebate
   HKD80,000 - HKD299,999	12 months or above	HKD100
   HKD300,000 - HKD799,999		HKD200
   HKD800,000 or above		HKD500

   The cash rebate will be credited to customer’s repayment account by 30 September 2019 without prior notice. Customers must have no record of default or early settlement of their instalment loans. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/ she shall return the rebate in full to Hang Seng upon settlement of the Loan. Cash rebate offer is not applicable to customer of Hang Seng Debt Consolidation Instalment Loan account at the time of application. Each eligible customer could enjoy the offer once only in the Promotion Period.
4. (4) The final approved loan amount is subject to the circumstances of individual cases.
5. (5) Hang Seng reserves the right to request additional income proof from individual applicants on a case-by-case basis.
6. (6) Customers are eligible to apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please call our 24-hour application hotline at 2812 8000.
7. (7) 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 provisions of these terms and conditions.
8. (8) These terms and conditions are subject to prevailing regulatory requirements.
9. (9) These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
10. (10) Hang Seng reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time. The approval of the Loan is subject to Hang Seng’s final decision. In case of any dispute, the decision of Hang Seng shall be final.
11. (11) If there is any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Remark:

• For details of the Loan and offers, interest rates, handling fees, annualised percentage rates, and related terms and conditions, please contact Hang Seng staff. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
• Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline 2997 3882.
• For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking>Loans>Personal Instalment Loan>FAQ)