V. The offers are not applicable to commercial customers.

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1 Investors should note that all investments involve risks. 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 Statements of the relevant investment products. General Terms and Conditions: I. Unless otherwise specified, the offers are only applicable to customers who meet the account opening requirements and have newly opened / upgraded to an Integrated Account of Prestige Banking ( Prestige Banking ) at Hang Seng Bank Limited (the Bank ) branches, or have upgraded to Prestige Banking through Hang Seng Personal e-banking or phone banking hotline during the period from 1 October 2015 to 31 December 2015 ( Promotion Period ) (excluding (a) existing customers who are holding sole-named or joint-named Prestige Banking; customers who have closed any Prestige Banking with the Bank during the period from 1 April 2015 to 31 December 2015; or those customers whose accounts have been terminated in any period) (the Eligible Customers ). II. III. IV. If customer newly opens / upgrades to more than one Prestige Banking, including any sole-named or joint-named account, during the Promotion Period, entitlement to the offers will be based on the Prestige Banking with the earliest account opening / upgrading date. If customer newly opens/upgrades to both Preferred and Prestige Banking during the Promotion Period and fulfills the welcome offers requirement of Prestige Banking, entitlement to welcome offers will be based on Prestige Banking, and the relevant offers of Preferred Banking will not be applicable. Each Eligible Customer can only enjoy the offers once unless otherwise specified. The offers cannot be used in conjunction with other promotional offers of the same product offered by the Bank. V. The offers are not applicable to commercial customers. VI. VII. In case the relevant Prestige Banking is a joint-named account, only the primary account holder can enjoy the offers. The Prestige Banking must remain valid at the time the offers are being awarded. If Eligible Customers have terminated the relevant Prestige Banking or changed such account to a non-prestige Banking at the time when offers are being given, the Bank reserves the right to deduct from any accounts of the Eligible Customers maintained with the Bank an amount equivalent to the value of the rewards without prior notice.

2 VIII. Hang Seng Credit Card Cash Dollars ( Cash Dollars ) will be credited to the Hang Seng Prestige World MasterCard account of each Eligible Customer. If an Eligible Customer does not have a Hang Seng Prestige World MasterCard, the Cash Dollars will be credited to the Hang Seng Credit Card account with the highest Cash Dollars balance. If an Eligible Customer has one or more than one Hang Seng Credit Card account with an outstanding Advance Cash Dollars balance, the Cash Dollars will be credited into such Credit Card account with the highest outstanding Advance Cash Dollars balance at that time. Eligible Customer who does not have any applicable Hang Seng Credit Card Principal Card can make enquiries to the Bank and apply for one. The application must be successfully approved one month before the crediting of the relevant Cash Dollars in order to be eligible for the Cash Dollars offer. If the application for the credit card is not approved, the Eligible Customer will not be offered any Cash Dollars. Upon the crediting of the Cash Dollars, the relevant Credit Card account must still be valid and with a good credit record. The offer is not applicable to any Hang Seng Supplementary Card, Business Card, Commercial Card, USD Visa Gold Card, UnionPay RMB Diamond Commercial Card, Renminbi Credit Card, Spending Card, e-shopping MasterCard, or Private Label Card. The Cash Dollars cannot be transferred or converted into cash. The use of Cash Dollars is subject to the terms and conditions of the Hang Seng Credit Card Membership Rewards Programme. For details, please call the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline at IX. The Bank reserves the right to suspend, vary or terminate this promotion and the related offers and to amend these terms and conditions at any time without prior notice. The decision of the Bank on all matters relating to this promotion and the related offers shall be final and binding on all the parties concerned. The relevant offers are subject to the terms and conditions of the relevant products/services. If there is any inconsistency between the terms and conditions of the relevant products/services and these terms and conditions, these terms and conditions shall prevail. In case of any discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail. Terms & Conditions of the offers: (1) To enjoy the first year monthly fee waiver of Prestige Banking, Eligible Customers who newly open/upgrade to Prestige Banking must maintain a monthly Total Relationship Balance of HK$500,000 or above for Prestige Banking during the first year monthly fee waiver period. If the Total Relationship Balance of the previous month falls below HK$500,000, a HK$340 monthly fee will be charged. After the first year monthly fee waiver period, the standard monthly fee for Prestige Banking will be applied if the Total Relationship Balance of the previous month is below HK$1,000,000. For details of the monthly fee, please check with the Bank s staff. The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by the Bank as an agent as well as Hang Seng MPF balance. For sole-named Integrated Account holders, their other joint-named account(s) will also be included. (2) Up to $8,000 Cash Dollars reward will be available to New Customers and Existing Customers who open/upgrade to Prestige Banking:

3 (a) Total Relationship Balance Growth means the monthly Total Relationship Balance in the entire month of February 2016 maintained by Eligible Customer in excess of his/her monthly Total Relationship Balance in the entire month of September For customer who did not hold any account with the Bank on or before 30 September 2015, his/her Total Relationship Balance will be treated as zero for the entire month of September To enjoy the offer, Eligible Customer must deposit new funds^ of no less than HK$500,000 to the Bank within 2 weeks from the date of account opening/upgrading to fulfill the required Total Relationship Balance Growth Amount as shown in the table below. Total Relationship Balance Growth Amount HK$8,000,000 or above Cash Dollars Entitlement New Customers $8,000 Existing Customers Upgraded to Prestige Banking $5,000 HK$3,000,000 - HK$7,999,999 HK$1,000,000 - HK$2,999,999 HK$500,000 - HK$999,999 $2,800 $1,000 $600 $2,000 $800 $500 (d) ^ $300 Cash Dollars will be awarded in case an Eligible Customer does not meet the above Total Relationship Balance Growth Amount, but maintains his or her Total Relationship Balance at HK$1,000,000 or above throughout February Each Eligible Customer can enjoy the offer once only. The above $8,000 Cash Dollars offer cannot be used in conjunction with the $300 Cash Dollars offer. New Funds refers to funds newly deposited into the Bank using a cheque drawn on any other bank, inward CHATS or T/T during the Promotion Period, thereby increasing the aggregate deposits placed by the customer with the Bank. For clarification of the definition of New Funds, please contact the Bank s staff. In case of any disputes in relation to the definition of New Funds, the decision of the Bank shall be final. (3) New Customers refer to customers who have newly opened a Prestige Banking at any branch during the Promotion Period excluding (a) existing customers who are holding any Hong Kong Dollars / Foreign Currency savings, current, time deposit accounts or any Hang Seng integrated accounts (including Prestige Banking, Preferred Banking, Green Banking and Integrated Account) (collectively, the "Accounts") or; customers who have closed any Accounts with the Bank within the period from 1 April 2015 to 31 December 2015 or; those whose Accounts have been terminated in any period. The relevant Cash Dollars will be credited to the Hang Seng Credit Card account of Eligible Customer on or before 30 April 2016 and a notification letter will be mailed to the customer. Eligible Customer should maintain the relevant Total Relationship Balance Growth Amount at the time when Cash Dollars are credited. If the customer does not have any Hang Seng Credit Card during the Promotion Period, the customer must apply for a Hang Seng Credit Card and the card must be approved on or before 31 March 2016 in order to enjoy the Cash Dollars reward.

4 (4) Subscription of Specified Investment Products Up to $400 Cash Dollars reward (a) Customers who successfully open or upgrade an existing account to Prestige Banking during the Promotion Period and subscribe for any specified investment products at HK$200,000 (or equivalent) in a single transaction from the date of joining Prestige Banking to 31 December 2015 (both dates inclusive) will be entitled to $200 Cash Dollars per product category take-up. Product categories include: (i) Category 1: Subscription for and/or switching of Investment Funds - This offer is not applicable to fund subscriptions pursuant to any Hang Seng Monthly Investment Plan for Funds, fund subscriptions via ipower Account (under the account number suffix of 384), fund units with no subscription fees, money market funds, or other funds/ fund transactions as specified by the Bank from time to time. - This offer is not applicable to all investment fund subscription and/or switching applications which are received after the cut-off time of the relevant funds on the last day of the Promotion Period, which will be processed on the next dealing day. Please note that different cut-off times may apply for subscription and/or switching applications for different funds and/or subscription and/or switching applications for the same fund through different channels. Customers are advised to contact our staff to enquire about the cut-off time for the relevant subscription applications. (ii) Category 2: FX and Structured Products, including: - Equity Linked Structured Products - Maxilnterest Investment Deposit - Capital Protected Investment Deposit - FX and Precious Metal Margin Trading Services (d) The offer only applies to customers who have never successfully subscribed for any one of the products or their categories in the period of 1 October 2014 to 30 September 2015 with the Bank. Customer will be entitled to $200 Cash Dollars for the subscription of each product category at a transaction amount of at least HK$200,000 or equivalent. Each customer can only receive the $200 Cash Dollars reward once for each of the product categories above. Customers who are entitled to this offer will receive up to a maximum of $400 Cash Dollars. If the relevant subscription amount is not in HKD, the Bank will convert the relevant non-hkd subscription amount into HKD based on the exchange rate determined by the Bank on 31 December 2015 in order to calculate the relevant subscription amount in HKD. Relevant Cash Dollars will be credited to Hang Seng Credit Card account of the eligible customer on or before 30 April 2016 and a notification letter will be mailed to the customer. If the customer does not have Hang Seng Credit Card during the Promotion Period, the customer must apply for Hang Seng Credit Card and the card must be approved on or before 31 March 2016 in order to enjoy Cash Dollars reward. (e) This offer can be used in conjunction with Offer (7).

5 (5) New Securities Account Offers: (a) (d) Eligible Customers who open a new securities account (personal / joint) under Prestige Banking during the Promotion Period ( New Prestige Banking Securities Account ) and successfully execute at least one buy or sell trade of Hong Kong stocks listed on The Stock Exchange of Hong Kong Limited via any of the automated securities trading channels of the Bank (including Hang Seng Personal e-banking and Automated Securities Trading Hotline), using the New Prestige Banking Securities Account from the account opening date to 31 January 2016 ( Eligible Securities Transactions ) can enjoy $100 Cash Dollars. Eligible Securities Transactions exclude locally traded overseas stocks, any listed securities settled by non-hong Kong dollars, i-shares, Exchange Fund Notes, Hong Kong Link retail bonds, Government of HKSAR retail bonds/ibonds, buy or sell trades of Hang Seng Monthly Investment Plans for Stocks and IPO shares subscriptions. All of the account holders of the New Prestige Banking Securities Account must not hold any securities account (personal / joint) with the Bank within a period of 3 months preceding the relevant New Prestige Banking Securities Account opening date. Eligible Customers should still maintain the relevant New Prestige Banking Securities Account at the time when the Cash Dollars are credited. (6) Unlimited $0 Brokerage Fee for HK Stocks and SSE Securities buy trade: Terms and conditions apply. For details, please contact our branch staff, refer to the relevant promotion leaflet, or visit hangseng.com/stockoffer. (7) Investment Fund Services - as low as Net 1% Fund Subscription Fee Offer: (a) (d) Eligible Customers can enjoy the Net 1% fund subscription fee offer for their first successful subscription of open-ended fund distributed by the Bank via any of our branches from the date of the newly opening / upgrading to a Prestige Banking to the following calendar month ( Fund Subscription Fee Offer Period ). Please contact our staff for details of the open-ended funds which are covered by this fund subscription fee offer. This offer does not apply to any investment fund subscription applications which are received after the cut-off time of the relevant funds on the last day of the relevant Fund Subscription Fee Offer Period and such subscription applications will be processed on the next dealing day. Please note that different cut-off times may apply to subscription applications for different funds and/or subscription applications for the same fund through different channels. Customers are advised to contact our staff to enquire about the cut-off time for the relevant subscription applications. This offer does not apply to fund subscriptions pursuant to any Hang Seng Monthly Investment Plan for Funds, fund subscriptions via ipower Account (under the account number suffix of 384), fund units with no subscription fees, money market funds, or other funds/ fund transactions as specified by the Bank from time to time. This offer can be used in conjunction with Offer (4). Unless otherwise specified, this offer cannot be used in conjunction with other investment funds related offer(s) of the Bank.

6 (8) Prestige World MasterCard - Up to $700 Welcome Privilege: Customers who have accumulated spending of HK$11,000 within 60 days from the date of new card issuance will be entitled to $600 Cash Dollars welcome offer. Customers who have applied for Prestige World MasterCard via following designated application channels and fulfilled the relevant requirements will be entitled to $100 extra reward: (i) customers who apply for Prestige World MasterCard via branch with full documents submission will be entitled to extra HK$100 cash vouchers; or (ii) customers who have successfully applied for Prestige World MasterCard via Hang Seng Personal e-banking and fulfill the spending requirement as stated above, will be entitled to $100 Cash Dollars extra reward. The welcome offer is only applicable to Principal Card customers without holding any Hang Seng Prestige Credit Card currently and/ or in the past 12 months. Terms and conditions apply. For details, please visit hangseng.com/psewmc or approach our branch staff for enquiries. (9) Payroll Service - set up new payroll service to enjoy up to $4,400 Cash Dollars: Terms and conditions apply. For details, please visit hangseng.com/payroll or approach our branch staff for enquiries. (10) E-Services Offer: (a) Offer is only applicable to Eligible Customers who successfully register for Hang Seng Personal e-banking and newly opt for e-statement/ e-advice services during the Promotion Period; and customers who have not registered for Hang Seng Personal e-banking or opted for e-statement / e-advice services for any account on or before 30 September Customers who have enjoyed instant offers of Hang Seng Personal e-banking and e-statement/ e-advice services at the Bank s Personal Banking Centres (ipoint), which are located at MTR Central Station (Worldwide House), MTR Causeway Bay Station (Jardine s Crescent), Kwun Tong (Hoi Yuen Road), Mongkok (Soy Street) and Sheung Shui Centre, will not be eligible. Eligible Customers should still maintain the Hang Seng Personal e-banking and e-statement / e-advice services at the time when Cash Dollars are credited. The relevant Cash Dollars will be credited to the Hang Seng Credit Card account of Eligible Customer on or before 30 April If the customer does not have any Hang Seng Credit Card during the Promotion Period, the customer must apply for a Hang Seng Credit Card and the card must be approved on or before 31 March 2016 in order to enjoy the Cash Dollars reward. Risk Disclosure Risk Disclosure of Investment Funds Investors should note that investment involves 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 FX and Structured Products: Investment involves risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts a time deposit from the foreign currency to HKD upon maturity.

7 Risk Disclosure for Equity Linked Structured Product: The market value of the equity linked structured product 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 product and carefully study the risk factors set out in the offering documents for the equity linked structured product and, where necessary, seek independent professional advice, before they decide whether to invest in equity linked structured product. If you purchase an equity linked structured product, you are relying upon the creditworthiness of the Issuer of the equity linked structured product. 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 a normal time deposit or its alternative. Earnings on this product are limited to the nominal interest payable. As the principal and the earnings 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 from 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 a normal time deposit and thus should not be considered as a 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.

8 Risk Disclosure of FX and Precious Metal Margin Trading Services: The risk of loss in leveraged foreign exchange and precious metal trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as stop-loss or stop-limit orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your Account. You should therefore carefully consider whether FX and precious metal margin trading is suitable for you in light of your own financial position and investment objectives. Renminbi (RMB) is subject to foreign exchange control by the PRC government. If your Margin Trading Contract involves Offshore Renminbi, you are subject to the currency risk of RMB. Investment involves risks. The above risk disclosure cannot disclose all the risks involved. You should read and understand all the relevant documents and risk disclosure (in particular, the Risk Disclosure Statement contained in the relevant application form) before making any investment decision. The contents of this webpage have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this webpage. If you are uncertain of or do not understand the nature of and the risks involved in leveraged foreign exchange and precious metal trading, you should seek independent professional advice. Risk Disclosure of Securities Services: Investment involves risks and the prices of securities may go up or down and may even become valueless. Investors should read the relevant Risk Disclosure Statement and relevant documents before making any investment decision. Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in the securities of Shanghai-Hong Kong Stock Connect include: - Transactions under the Northbound or Southbound Trading of Shanghai-Hong Kong Stock Connect will not be covered by the Investor Compensation Fund in Hong Kong. - Once the respective quota is used up, trading will be affected or will be suspended. - Shanghai-Hong Kong Stock Connect will only operate on days when both markets are open for trading and when banks in both markets are open on the corresponding settlement days. Investors should take note of the days Shanghai-Hong Kong Stock Connect is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Shanghai- Hong Kong Stock Connect is not trading. - When some stocks are recalled from the scope of eligible stocks for trading via Shanghai-Hong Kong Stock Connect, the stocks can only be sold but NOT bought. - Investors will be exposed to currency risk if conversion of the local currency into RMB is required. PPL740-R40 online (09/2015) (LT)