Service Directory

Welcome to M.I. Kid AssetBuilderAs a devoted parent, seeing your children growing up healthily and happily as they progress to their full potential is one of the true joys of life. Our M.I. Kid AssetBuilder is designed to provide multiple financial solutions, together with fabulous privileges from our partners, to help your children unleash their potential to have an enjoyable and healthy future.

M.I. Kid AssetBuilder Service Directory1 Fabulous Privileges p.012 All-In-One Account Services p.073 Consolidated Statement p.084 M.I. Kid AssetBuilder Card p.095 24-Hour Automated Phone Banking Service p.136 Hang Seng Personal e-Banking p.197 Credit Card Perpetual Annual Fee Waiver p.218 Securities Services p.229 Foreign Currency Exchange Service p.2510 Other Services p.26

Services

Hong Kong Dollar/Foreign CurrencySavings and Time Deposit Accounts

Consolidated Statement

M.I. Kid AssetBuilder Card

24-Hour Automated Phone Banking Service

Hang Seng Personal e-Banking

Credit Card Perpetual Annual Fee Waiver

Securities Services

Foreign Currency Exchange Service

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Fabulous Privileges1

Terms and Conditions of Ocean Park Hong Kong Discount Offers

1. For the promotion period of the above mentioned offers, please refer to the following table:

2. For the details and Terms and Conditions of the above mentioned offers, please refer to https : // www . oceanpark . com . hk / hangseng.

3. The Bank is not the supplier of coupon and accepts no liability in relation to it. The use of the coupon is subject to Terms and Conditions, please refer to the reverse side of coupon. For application details, please refer to

https : // www . oceanpark . com . hk / hangseng.

4. In the event of dispute, Ocean Park Hong Kong reserves the right on final decision.

Privilege Items

SmartFun Annual Pass (up to 4 family members)

Ocean Park Restaurants and Kiosks

Ocean Park Souvenir Shops

“Get Closer to the Animals” Programme

“Get Closer to the Animals” Gift Voucher

Young Explorers Club Subscription

Ocean Park VIP Premium Tour

Birthday Party

Remarks

Present M.I. Kid AssetBuilder card to enjoy the discounts

Present the discount vouchers packed in the M.I. Kid AssetBuilder Welcome Kit to enjoy the discounts

Promotion Period

12 February 2018 to 31 January 2019

12 February 2018 to 30 June 2019

A happy childhood with engaging activities is crucial for any child’s wellbeing. So we partner with Ocean Park Hong Kong to provide a series of fabulous privileges to let your children make discoveries and receive inspiration outside the classroom.

Privilege Items Discount

SmartFun Annual Pass (up to 4 family members)

Ocean Park Restaurants and Kiosks 20% off

Ocean Park Souvenir Shops

“Get Closer to the Animals” Programme 25% off

“Get Closer to the Animals” Gift Voucher 20% off

Young Explorers Club Subscription 10% off

Ocean Park VIP Premium Tour 15% off

Birthday Party 10% off

Present M.I. Kid

AssetBuilder card to enjoy the

discounts

Present the discount

vouchers* packed

in the M.I. Kid AssetBuilder

Welcome Kit to enjoy the discounts

Remarks

* Ocean Park Hong Kong discount vouchers will be packed in the M.I. Kid AssetBuilder Welcome Kit and given out to customers who open M.I. Kid AssetBuilder from 12 February 2018 onwards.

Ocean Park Hong Kong

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You can enjoy the following privileges by simply presenting your M.I. Kid AssetBuilder card at the Quality HealthCare:

Quality HealthCare

Children Health Program Discount

Chinese Medicine Consultation 50% off

Spinal Screening 20% off

Short-Sightedness Control and Examination for Children 15% off

Personalised Pharmacogenomics Test(Pediatrics panel / Children 7 panels)

Nutrition Consultation for Children(Toddlers / Pre-School Children / School Children / Teenagers) 10% off

Food Allergy Test

Vaccines Discount

DTaP-IPV-HIB-HepB (6-in-1) Vaccine

DTaP-IPV-HIB (5-in-1) Vaccine 15% off

Japanese Encephalitis Vaccine

Terms and Conditions of Quality HealthCare Discount Offers

1. The promotion period is from 12 February 2018 to 31 December 2018. The offers cannot be used in conjunction with any other promotional offers or discounts and cannot be exchanged for cash or other products. For offer details, please call customer enquiry hotline 8301 8301. For the location of Quality HealthCare Medical Centres, please visit https : // www . qhms . com . Should any dispute arise, the decision of Quality HealthCare Medical Service Limited shall be final.

2. Prior appointment is required for children health program offers. Please quote the CS Code of your selected products upon booking.

• Traditional Chinese Medicine Consultation (CS Code: EM61)

• Spinal Screening (CS Code: EM59)

• Short-Sightedness Control and Examination for Children (CS Code: EM56)

• Personalised Pharmacogenomics Test (Pediatrics panel/Children 7 panels ) (CS Code: EM57/58)

• Nutrition Consultation for Children (Toddlers/Pre-School Children/School Children/Teenagers) (CS Code: EM51/52/53/54)

• Food Allergy Test (CS Code: EM55)

• DTaP-IPV-HIB-HepB (6-in-1) Vaccine/ DTaP-IPV-HIB (5-in-1) Vaccine/ Japanese Encephalitis Vaccine(CS Code: EM60)

3. Chinese Medicine Consultation offer is available at designated Quality HealthCare Chinese Medicine Centres. The offer is only applicable to consultation fee. Medication fee is excluded. Medicine (either basic granules or herbal medicines) is HKD90 and up per close.

4. Spinal Screening offer is available at designated Quality HealthCare Physiotherapy Centres.

5. Short-Sightedness Control and Examination for Children offer is available at designated Drs Anderson & Partners.

6. Nutrition Consultation for Children, Food Allergy Test and Personalised Pharmacogenomics Test offers are available at designated Quality HealthCare Medical Centres.

7. Vaccine offer is applicable to children aged 11 or below. Doctor's consultation fee applies and varies in different locations.

General Terms and Conditions of M.I. Kid AssetBuilder Fabulous Privileges

1. The Fabulous Privileges (“the Offers”) are applicable to Hang Seng Bank Limited ("the Bank") customers who hold a M.I. Kid AssetBuilder only (“Eligible Customer(s)”). M.I. Kid AssetBuilder can only be opened by customers with Prestige or Preferred Banking Account at the Bank.

2. The Offers are not transferable, and cannot be redeemed or exchanged for cash, other products or discounts, and cannot be used in conjunction with other promotional offers, discounts, coupons, cash coupons or membership benefits / VIP cards / VIP bonus point programmes of the Merchants (unless otherwise specified).

3. The Offers are subject to additional Terms and Conditions set out by the Merchants. Please check with respective Merchants.

4. Upon closure of the respective Merchants, the relevant Offers shall be terminated immediately.

5. All products, services, and information related to the Offers are directly sold and supplied to customers by the respective Merchants who are solely responsible for all related obligations and liabilities.

6. The Offers are governed by this Terms and Conditions and other Terms and Conditions stipulated by the Merchants.

7. Prices and product / service / offer / food / beverages / menu descriptions are provided by relevant Merchants and are for reference only. Customers understand and accept that the Bank is not the supplier of such products / service / offer / food / beverages / menu purchased and customers should refer to the relevant Merchants for details. The Bank accepts no liability for the quality of products / service / food / beverages provided by the Merchants.

8. The Bank and the respective Merchants reserve the right to vary or terminate the Offers at any time and to amend the Terms and Conditions from time to time without prior notice. In case of any dispute, the decision of the Bank and the respective Merchants shall be final.

9. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.

10. These Terms and Conditions are subject to prevailing regulatory requirements.

11. No person other than the Customer 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.

12. In case of any discrepancy between the English and Chinese versions of the Terms and Conditions, the English version shall prevail.

PolyVision Eyecare Centres

Items Offer

Any purchase HKD100 cash offer

Purchase of Optical Products (including spectacles and sunglasses) 20% off

Terms and Conditions of PolyVision Eyecare Offers

1. Present your M.I. Kid AssetBuilder Card to enjoy HKD100 cash offer upon visiting the PolyVision Eyecare Centres of any purchase.

2. The 20% off offer is applicable to purchase of any optical products at the PolyVision Eyecare Centres. Except price-controlled items, valid optical prescription is required. This offer can be used in conjunction with the HKD100 cash offer.

3. The promotion period is from 12 February 2018 to 31 December 2018 and the offers are only valid at PolyVision Eyecare (Causeway Bay), (Taikoo), (Tsimshatsui), (Mongkok) & (Shatin) Centres. Each person can use each offer once for each purchase. For offer details, please call customer enquiry hotline 2866 9660. For the location of PolyVision Eyecare Centres, please visit h t t p s : / / w w w . p o l y v i s i o n . c o m . h k . Above offers cannot be used in conjunction with any other promotional offers or discounts. The Terms and Conditions of the offers are subject to change without prior notice. In case of disputes, the decision of PolyVision Eyecare shall be the final and conclusive.

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You can enjoy the following privileges by simply presenting your M.I. Kid AssetBuilder card at the PolyVision Eyecare Centres:

All your day-to-day banking needs are taken care of within one single account.

Hong Kong Dollar Savings AccountDaily compound interest will automatically be paid to your account every month.

Foreign Currency Savings AccountInterest is calculated daily and paid to your account half-yearly.

Time DepositsGuaranteed higher returns with different currency options to choose from.

Your Consolidated Statement provides you an at-a-glance summary of all transactions, overdraft facilities and the total investment amount of your Securities and Investment Funds in your M.I. Kid AssetBuilder. If you are a personal account customer and use our credit card, mortgage loan, insurance plan, and maintain other integrated accounts, deposit accounts, credit facilities, investment accounts and/or MPF services with the Bank, the status updates of such services will also appear on the consolidated statement (applies only if the registered account opening identification document and document number of your accounts are the same as your M.I. Kid AssetBuilder). You can have a comprehensive view of your financial status for easy reference.

2 3All-In-One Account Services Consolidated Statement

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4 M.I. Kid AssetBuilder Card

Your M.I. Kid AssetBuilder Card gives you 24-hour access to any 2 of your Hong Kong Dollar accounts, including your M.I. Kid AssetBuilder Savings Account, plus your other Hang Seng Bank Account.

Automated Teller Machine (ATM) You can use your M.I. Kid AssetBuilder Card at over 1,000 ATMs of Hang Seng Bank and HSBC in Hong Kong, as well as at HSBC and UnionPay ATM networks all over the world to withdraw cash(1) and make transfers. You can also make use of the ATMs to transfer funds(2) between HSBC and Hang Seng Bank accounts and enjoy Bill Payment Service.

Reset Phone PINReset the phone PIN of your account via any ATM of Hang Seng Bank in Hong Kong (only applicable to personal account customers). Simply follow a few easy steps after choosing “Other services” in the Main Menu.

Quick Deposit Machine /Quick Cheque Deposit Machine/Multi-function Automated Teller MachineDeposit cash/cheques at any Quick Deposit Machine /Quick Cheque Deposit Machine or Multi-function Automated Teller Machine and your Hong Kong Dollar Account(s) will be credited instantly.

Easy Pay System (EPS)(3) Make payments through EPS terminals at participating retailers. Your account is debited directly and a receipt is issued by the EPS terminals.

UnionPayMake transaction through UnionPay contact and contactless payment at the stores displaying the UnionPay logo and UnionPay QuickPass logo all over the world. (Daily limit is shared with EPS’s(3)). In addition to PIN verification, merchants may request Cardholder to sign the transaction slip for the contact payment (Signature must be identical to Cardholder’s signature on the back of the card). Before making cash withdrawal transaction through the UnionPay ATM Network, customer is required to select the account type. If the selected account type has included more than one account in the ATM Card, cash will be withdrawn from the one with sufficient balance. However, some UnionPay ATM machines will provide the cash withdrawal only from the account with number embossed on the card face.

Payment By Phone Service (PPS)With PPS, you can also settle Hang Seng Credit Card payments and many other payments.

(1) Daily maximum cash withdrawal limit is HKD20,000 per Card. If you wish to use overseas ATM withdrawal service, you must activate the overseas ATM withdrawal function via ATM terminals of Hang Seng Bank and HSBC in Hong Kong, e-Banking or Automated Phone Banking hotline. Please visit hangseng . com for the activation details.

(2) Maximum daily limit is HKD400,000.

(3) Daily maximum transaction limit is HKD50,000.

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Security tips regarding the ATM card and PINHere are some important hints to help ensure the security of ATM Card and PIN:

• At all times take reasonable steps to keep your Card safe and PIN secret to prevent fraud.

• Upon receipt of your new/ reset PIN from us, immediately change your PIN at our ATM. Destroy your PIN advice and memorise the new PIN.

• Do not write down the PIN on your Card or on anything usually kept with or near it or record the PIN without disguising it.

• Never disclose your PIN to anyone, including our staff, nor let anyone else see your PIN when you are using an ATM or other electronic payment terminal.

• Do not allow anyone else to use your Card and PIN.

• The use of easily accessible personal information such as identity card number, phone number and date of birth as your PIN is NOT recommended.

• For your own protection, change your PIN periodically at our ATM, and do not choose the same PIN for accessing other services.

• Please cover the keypad when entering your PIN.

• If you incorrectly key in your PIN 3 consecutive times, your Card will be inoperative.

• Always remember to remove your Card and advice after completing your transaction.

• If your Card or PIN is lost or stolen, you should report it immediately to our 24-hour Lost Card Hotline on 2836 0838. To ensure immediate handling and maximum protection, please do not report your card loss by fax.

• Please refer to the security advice provided by us at our Security & Fraud Centre at hangseng.com from time to time.

Warning: You may be held liable for all losses if you have acted fraudulently or with gross negligence, or failing to follow our fraud prevention advice set out above, and such failure has incurred losses.

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5 24-Hour AutomatedPhone Banking Service

With your Phone PIN, you can access your M.I. Kid AssetBuilder 24 hours a day by using a tone-dial phone from anywhere in the world.

(1) 24-Hour Phone Banking – Fund Transfer Limit

Transfer from(Hang Seng Bank Account only)

Sub-accounts within the M.I. Kid AssetBuilder

Sub-accounts within the M.I. Kid AssetBuilder

Unlimited

• Registered accounts under your name (including credit card accounts)

• Registered third party Hang Seng accounts Note: Maximum 15 designated

accounts

Unlimited or you may set your own limit

HKD1,000,000 per account, or you may set a lower limit

Transfer to(Hang Seng Bank Account only)

Maximum Daily Transfer Limit

Transfer from(Hang Seng Bank Account only)

Other designated accountsunder your name(maximum 5 accounts)

Sub-accounts within theM.I. Kid AssetBuilder

Unlimited or you may set your own limit

Registered beneficiaries (Maximum 5 registered beneficiaries, account at other banks are also accepted)

HKD1,000,000 or equivalent per transaction or you may set a lower limit

Telegraphic transfer

Sub-accounts within the M.I. Kid AssetBuilder (handling fee will apply)

Transfer to(Hang Seng Bank Account only)

Maximum Daily Transfer Limit

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(2) Bill Payment Limit (1)(2)(3)

You may now settle your bill through our Automated Phone Banking, Hang Seng Personal e-Banking and Automated Teller Machines (ATMs). The daily amount is up to HKD500,000 per customer, which let you handle your monthly payment easily.

Note:

(1) The above daily payment limits are shared among Hang Seng Personal e-Banking, Automated Phone Banking and ATMs on customer basis.

(2) The maximum total daily payment limit is HKD500,000 per customer.

(3) Customers can always set a lower payment limit under the Personal e-Banking “Customer Services” menu. For subsequent payment limit increase or addition of account, please visit any of our branches to apply.

(4) Pre-registration of bill account number is required for payment of this merchant category.

(5) Security Device is required for this type of transaction.

Institution Maximum Daily Payment Limit (per Customer)

Securities Brokers(4) HKD500,000

White Form e-IPO (not applicable to ATM) HKD500,000

Government/Statutory Organisations HKD500,000

Banking and Credit Card Services(4) HKD100,000

e – Donation HKD100,000

Education Institutions and Professional Institutions HKD100,000

Insurance Companies HKD300,000

Telecommunications HKD100,000

Other Financial Institutions(4) HKD100,000

Utilities HKD100,000

Catering Services, Property Management, HKD100,000

Travel Agencies and Other Companies

Sports and Leisure(4) HKD500,000

e -Merchants(5) HKD10,000

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Security tips regarding the Phone PINA Phone PIN will be issued to Integrated Account holders upon account opening. Non-integrated Account holders can set up the Phone PIN via our ATM directly. This Phone PIN will allow you to gain access to the Phone Banking Services.

To protect your own interests, it is important to note the following points:

• At all times take reasonable steps to keep Phone PIN secret to prevent fraud.

• Upon receipt of your new/reset Phone PIN from us, immediately change your Phone PIN via our 24-hour Phone Banking Hotlines on 2912 3456 (For Integrated Account holders) or at our ATM. Destroy your PIN advice and memorise the new PIN.

• Do not write down the Phone PIN on your card or on anything usually kept with or near it or record the PIN without disguising it.

• Never disclose your Phone PIN to anyone, including our staff, nor allow anyone else to use your Phone PIN.

• The use of easily accessible personal information such as identity card number, phone number and date of birth as your Phone PIN is NOT recommended.

• For your own protection, change your Phone PIN periodically via our Phone Banking Hotlines or our ATM.

• If you incorrectly key in your Phone PIN for 4 consecutive times, your Phone Banking Service will be temporarily suspended.

• If your Phone PIN is suspended or forgotten, reset your PIN via our ATM using the respective card or contact us at any of our branches.

• If your Phone PIN is lost or stolen, or unauthorized transaction is recorded, you should report it immediately to our Phone Banking Hotlines on 2912 3456.

• Please refer to the security advice provided by us at our Security & Fraud Centre at hangseng.com from time to time.

Warning: You may be held liable for all losses if you have acted fraudulently or with gross negligence, or failing to follow our fraud prevention advice set out above, and such failure has incurred losses.

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Hang Seng Personal e-Banking

You can check account balances, make transfers, pay bills, trade securities, subscribe/redeem investment funds and more, all through the Internet and as quick as a click.

• Buy/sell local securities(1)

• Subscribe/ redeem/switch investment funds(1)

• Enrol conveniently in various insurance plans

• Preset fund transfer dates, make bill payment, set up or renew time deposits and make remittance up to 45 days in advance.

• Hong Kong Dollar interbank transfer in Hong Kong

• Apply for a credit card and other loan services online

• Employees can enquire about status and balance of their Hang Seng MPF accounts

• Through e-Alert Services to set up reminders on financial management and personal matters (please refer to the Account Service Fees and Charges insert attached for service charge details)

Just use your M.I. Kid AssetBuilder number and phone /ATM PIN to register for the FREE Hang Seng Personal e-Banking(2) at hangseng . com / e-Banking .

(1) Investors should note that all investment involves 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 details of the relevant offering documents and Risk Disclosure Statements.

(2) Registration for this Service is only available 1 working day after account opening.

Fund Transfer Limit of Hang Seng Personal e-Banking

Transaction Type

Fund transfer between your registered self-named Hang Seng Accounts

Fund transfer to registered third-partyHang Seng Accounts(4) (including remittances)

Hong Kong Dollar fund transfer to registered accounts of other banks in Hong Kong(4)(6)

Hong Kong Dollar fund transfer to non-registered accounts(6) (including self-name Hang Seng Accounts, third-party Hang Seng Accounts and accounts of other banks in Hong Kong)

Maximum Aggregate DailyTransfer Limit(3) (HKD or equivalent)

Unlimited

HKD1,000,000(5)

HKD1,000,000(5)

HKD100,000

(3) Customers can always choose to set a lower limit or delete account under the Personal e-Banking “Customer Services” menu. For subsequent limit increase or addition of account, please visit any of our branches to apply.

(4) Customers need to register the accounts at any of our branches before using the service.(5) The limit refers to aggregate sum of fund transfer to registered third party Hang Seng Accounts, remittance plus

Hong Kong Dollar fund transfers to other registered bank accounts through CHATS. (6) The receiving bank may impose service charges. Please refer to the Bank’s Service Charge for details.

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Credit Card PerpetualAnnual Fee Waiver

As a M.I. Kid AssetBuilder Customer, you can enjoy Perpetual Annual Fee Waiver (1) on a Hang Seng Credit Card and many exclusive privileges including:

• Hang Seng Credit Card Cash Dollars For retail spending made with your card, you can earn Hang Seng Credit Card Cash

Dollars, which can be used as instant cash (2) at thousands of designated merchant outlets throughout Hong Kong.

• Credit Card Online Bill Payment Service You can enjoy Credit Card Online Bill Payment Service via Hang Seng Personal

e-Banking to settle bills of a host of merchants including public utilities and taxes, etc. The amount paid will earn Cash Dollars (3).

(1) Perpetual annual fee waiver for one Hang Seng Credit Card is valid during the entire period which the customer maintains an M.I. Kid AssetBuilder. If customer holds more than one Hang Seng Credit Card, the perpetual annual fee waiver will be applicable to one of the credit cards with the highest annual fee only, but will not be applicable to Hang Seng Visa Infinite Card, Hang Seng World Mastercard®, Commercial Card, USD Visa Gold Card and Private Label Card. All annual fees paid prior to accepting this offer will not be refunded.

(2) Cash Dollars and / or Merchant Dollars are not applicable at designated merchants’ counters in department stores, and selected outlets of individual designated merchants. Individual designated merchant requires minimum spending for redemption of Cash Dollars and / or Merchant Dollars. Please check with the respective merchants for details. Use of Cash Dollars and / or Merchant Dollars is subject to the Hang Seng Credit Card Membership Rewards Programme and / or the other relevant Terms and Conditions. For details, please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899.

(3) Applicable to selected bill types only. Please visit Credit Card Online Bill Payment Service at hangseng . com / billpay.

To borrow or not to borrow? Borrow only if you can repay!

Investment involves risks and prices of securities may go up or down and may even become valueless. Investors should read the relevant Risk Disclosure Statement before making any investment decision.

Securities Services

The Hang Seng Securities Services provide you with efficient, reliable, convenient and comprehensive trading services to help you grasp potential investment opportunities easily. Open a Securities Account to buy/sell Hong Kong listed securities and enjoy the following services:

• Wide Choice of Trading Channels – buy/sell securities through our Hang Seng Personal e-Banking(1), Automated Securities Trading Hotline(1), Manned Securities Trading Hotline(1) and designated branches(1).

• Various Order Types – including Limit Order, Market Order, Stop Loss Order, All-in-One Order, At-auction Order and At-auction Limit Order of auction trading.

• Instant Order Confirmation Service – enjoy our free Instant Order Confirmation Service(2) which posts the execution results of your buy/sell or cancellation orders and IPO subscription allotment results to your mobile phone automatically in simple text messages to update you on your order status.

• Order Watching Services(3) – you can set your limit order expiry date from the list of dates provided and set the instruction prices.

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• Flexible Trading before Settlement – boost your securities buying power by using the sale proceeds of sale orders which are pending to be settled. Securities purchased can also be sold before settlement and the deposit charges related will be waived.

• Latest Market Information – you can obtain real-time local stock quotes, market insight and analysis, market news, profile and financials of listed companies plus updates on new stocks.

• Detailed Transaction Records – receive a monthly statement on all transaction details and securities balances.

• Comprehensive Nominee Services – we will collect the share dividends, bonus shares and interests for you, as well as keep you informed of all the latest company takeovers, mergers and stock splits, etc.

• Simplified IPO Subscription Service – subscribe for any newly-issued Hong Kong listed securities through the custody services of Hang Seng Bank for greater convenience. Successfully allotted shares will be deposited into your securities account on or before the first listing date and can even be sold on the first day of listing to catch investment opportunities.

• Easy Account Set Up – set up a securities account via Hang Seng Personal e-Banking(4). The account can come into effect instantly for trading securities. You can also visit any branch to set up securities account.

(1) After a securities transaction has been executed, the Bank will make available the essential features of the securities transaction as soon as reasonably possible through such means or medium including but not limited to Hang Seng Personal e-Banking, Automated Securities Trading Hotline, Instant Order Confirmation Service or personal call provided by the Bank from time to time and at the Bank’s discretion. Customers shall check the essential features of the securities transactions by themselves through such means or medium provided by the Bank.

(2) Only available to local mobile phone numbers issued by telecom companies in Hong Kong which start with specified digits. Once the Instant Order Confirmation Service is applied and taken effect, you will be notified through this service of the execution results of your purchase/sale orders for local securities and IPO subscription allotment result. Customers are responsible for any fees and charges which may be levied by the relevant telecom companies from time to time.

(3) Please set your order expiry date from the list of dates provided under the “Good Till” function of Securities Trading Services. Only orders within 24 spreads of the current market bid/offer prices will be sent to the Stock Exchange for queuing. The Bank reserves the right to amend the above arrangement without prior notice.

(4) Online account opening is not applicable to joint account.

Note: Hang Seng Bank Limited reserves the right to revise any service fees and other services from time to time.

Foreign Currency Exchange ServiceForeign Currency Exchange Service9 10 Other Services

You can set your instruction for fund transfer between accounts of specified currencies via Hang Seng Personal e-Banking, branches or Manned Phone Banking Service. For details of Currency Switching Service, please visit hangseng . com > Personal > Banking Service > Foreign Exchange Services > 1) Foreign Currency Exchange Services > 2) Foreign Currency Savings Plan (Currency Switching Service) or contact our staff.

We also put a full range of other services to help you plan for your family’s needs.

Insurance ServicesAt Hang Seng, we are dedicated to providing you with a wide range of personal life(1)

insurance, general(2) insurance and medical protection(3) products and services that minimizes your financial loss when the unexpected strikes, and meets your wealth accumulation and protection needs at different stage of your life.

Safe Deposit Box ServicesAvailable for your use at some of our branches. The ideal safe-keeping for your valuables.

Investment ServicesWe provide you a wide range of investment choices to help you capture potential investment returns.

Important Notes:

(1) Personal Life Insurance Products (the “Plan”) are underwritten by Hang Seng Insurance Company Limited, which is authorised and regulated by the Insurance Authority of the HKSAR. Heng Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Hang Seng Insurance Company Limited and the product is a product of Hang Seng Insurance Company Limited, not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and the customer directly. The above information is intended as a general summary of information only. Please refer to the actual policies for the exact terms, conditions and exclusions of the Plan. Customers also understand that Hang Seng Insurance Company Limited will pay commission and sales incentives to Hang Seng Bank for marketing the Plans. The current remuneration system that Hang Seng Bank adopts is a measurement of the staff’s overall performance rather than a focus on sales production only.

(2) General Insurance Plan (the “Plan”) is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount. In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the

product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.

(3) The Health Insurance Schemes are underwritten by Bupa (Asia) Limited ("Bupa") which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by Bupa for the exclusive distribution of the above Schemes. Subscription will be payable to Bupa upon enrolment of relevant Schemes. Bupa would provide Hang Seng Bank the relevant commission and performance bonus in accordance to the selling of relevant Schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely on the sales amount. In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer. For further details of the offer of relevant Health Insurance Schemes, please refer to the relevant promotional leaflet or relevant Terms and Conditions or contact Hang Seng Bank branch staff.

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