Register on or before 28 April 2020 Deposit now

“Step-up” Savings Deposit O�er

2815 9919

Branches

The above promotion is subject to the relevant Terms and Conditions of the OCBC Wing Hang Step-up Savings Deposit Offer.

Grow your balance to enjoy savings interest up to

“Step-up your interest”

0.78%p.a.

Limited reward quota, register now!

Register your HKD savings deposit account to enjoy the o�er!

Registration Channels:

Register �rst, then deposit Enjoy savings interest rate up to 0.78%p.a.!

Enjoy interest rate up to 0.78%p.a.

0.78

Customers who successfully register his / her HKD savings deposit account for the Step-up Savings Deposit O�er on or before 28 April 2020; deposit funds of at least HKD100,000 into the registered account and maintain the New Fund Balance during the Bonus Period can enjoy the preferential savings interest rate as below.

Up to 0.78%p.a. Savings Interest Rate

* The Basic Savings Rate (if any) is only applicable to HKD savings account and is subject to change from time to time without prior notice. ^ Bonus Interest Rate is only applicable to the New Fund Balance with an amount of more than HKD100,000 and less than HKD10,000,000. Bonus Interest Rate is not

applicable to funds subsequently deposit into the Registered Account after 30 April 2020 8:00pm. ⁺ The Total Interest Rate is capped at the Hong Kong Interbank O�ered Rate (HIBOR) minus 0.5%p.a. The Basic Savings Rate (if any) applicable to the registered HKD

savings deposit account is not subject to the aforesaid cap. Hong Kong Interbank O�ered Rate (HIBOR) as at any date means the Hong Kong Interbank O�ered Rate for the interest period of 3 months for Hong Kong Dollars quoted by OCBC Wing Hang Bank Limited on such date. This HIBOR quoted by The OCBC Wing Hang Bank Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.

Phase Bonus Period Basic Bonus Total Savings Rate*⁺ (p.a.) Interest Rate^ (p.a.) Interest Rate⁺ (p.a.)

1 1 May 2020 to 30 June 2020

0.25% 0.43% 0.68%

2 1 July 2020 to 31 August 2020 0.53% 0.78%

Speci�c Terms and Conditions:A. Eligibility1. The Step-up Savings Deposit O�er is applicable to personal or SME customers who maintain any Hong Kong Dollar (“HKD”) Savings Deposit Account with OCBC Wing Hang Bank Limited

(the “Bank”). HKD time deposit accounts and any other deposit accounts of other currencies are not applicable for registration under the Step-up Savings Deposit O�er. 2. To be entitled to the Bonus Interest Rate, personal or SME customers are required to successfully register for the Step-up Savings Deposit O�er during the Registration Period (as de�ned

below) and deposit funds of at least HKD100,000 into the registered HKD savings deposit account on or before 30 April 2020, 8:00pm (“Eligible Customer”). 3. Any accounts with special interest rate o�er (i.e. Sta� Payroll Account, Smart Account and Flexi-Mortgage Account) are not applicable for account registration under Step-up Savings

Deposit O�er.

B. Registration Procedure4. Registration period of Step-up Savings Deposit O�er starts from 9 April 2020 and ends on 28 April 2020 (both dates inclusive) (“Registration Period”).5. Eligible Customers can register via any branch of the Bank or the promotion hotline (2815 9919) with his / her name or the �rm / company's name ONE valid HKD savings deposit

account number for the Step-up Savings Deposit O�er. If more than 1 registrations are made by the Eligible Customer within the Registration Period, only the account number of the HKD savings deposit account in the �rst registration received by the Bank will be registered for the Step-up Savings Deposit O�er (“Registered Account”). In cases where the information submitted is incorrect, the Bank reserves the right to forfeit the customer’s registration absolutely.

6. Each Eligible Customers can only register one of his / her / its HKD savings deposit accounts. Subsequent change or cancellation of the registration will not be allowed.7. The Bank will issue a con�rmation letter to customer who has successfully registered his / her / its account within 7 working days after the end of the Registration Period to inform the

customers the amount of New Fund Balance entitled for the Bonus Interest Rate under the Step-up Savings Deposit O�er.

C. De�nition of New Fund Balance8. New Fund Balance refers to the amount of funds deposited into the Registered Account by the Eligible Customers on or before 30 April 2020, 8:00pm, resulting in a net growth of at

least HKD100,000 in both HKD deposit balance of the Registered Account and total HKD deposit balance of all deposit accounts. Net growth of the relevant account means the net increase in HKD deposit balance when comparing the HKD deposit balance of the relevant account on 30 April 2020, 8:00pm with the HKD deposit balance of that account on 8 April 2020, 8:00 pm. If net growth of HKD deposit balance of the Registered account and total HKD deposit balance of all deposit accounts is not the same, the net growth whichever is lower will be chosen as the New Fund Balance. New Fund Balance does not include the customer’s existing funds currently held with the Bank, and it must not be drawn or transferred from any of the customer’s existing account(s) held with the Bank to the Registered Account.

Example of Net Growth of New Fund Balance:

Example Net Growth of New Fund Balance (Y/N)

9. Once the New Fund Balance is determined, subsequent deposit of fund into the Registered Account after 30 April 2020 8:00pm will not be counted as New Fund Balance. Any fund deposited to the Registered Account after 30 April 2020 8:00pm will enjoy prevailing HKD basic savings rate of the Bank only.

Example: Deposit of fund in the Registered Account after 8:00pm on 30 April 2020

Date Transaction Deposit Balance of Registered Account New Fund Balance

30 April 2020 HKD500,000 HKD500,000

9 May 2020 Deposit HKD200,000 * HKD700,000 HKD500,000

* Such deposit will not be considered as New Fund Balance for the Bonus Interest rate entitlement.10. To enhance the returns of customers, any fund withdrawal from the Registered Account after 8:00pm on 30 April 2020 will be deducted from the existing funds that are subject to

HKD basic saving rate in the Registered Account (“Existing Deposit Balance”) prior to the New Fund Balance. Example: Withdrawal of fund in the Registered Account after 8:00pm on 30 April 2020

Date Transaction Deposit Balance of Registered Account New Fund Balance

30 April 2020 HKD500,000* HKD400,000

7 May 2020 Withdraw HKD200,000 HKD300,000 HKD300,000

9 May 2020 Withdraw HKD100,000 HKD200,000 HKD200,000

* HKD100,000 is the existing fund that cannot enjoy the Bonus Interest Rate.

D. Bonus Interest Rate11. Subject to these Speci�c Terms and Conditions and the below General Terms and Conditions, Eligible Customer can enjoy the bonus interest rate as speci�ed in the table below (“Bonus

Interest Rate”) if he / she / it maintains the New Fund Balance in the Registered Account with an amount of more than HKD100,000 and less than HKD10,000,000 during the Bonus Period (please refer to the table below).

The Bonus Interest Rate applicable to the New Fund Balance in the Registered Account will increase phase by phase during the Bonus Period as follows: Phase Bonus Period Basic Savings Rate*⁺ (p.a.) Bonus Interest Rate^ (p.a.) Total Interest Rate⁺ (p.a.)

1 1 May 2020 to 30 June 2020 0.25% 0.43% 0.68%

2 1 July 2020 to 31 August 2020 0.25% 0.53% 0.78%

* The Basic Savings Rate (if any) is only applicable to HKD savings account and is subject to change from time to time without prior notice. ^ Bonus Interest Rate is only applicable to the New Fund Balance with an amount of more than HKD100,000 and less than HKD10,000,000. Bonus Interest Rate is not applicable to

funds subsequently deposited into the Registered Account after 30 April 2020 8:00pm. ⁺ The Total Interest Rate is capped at the Hong Kong Interbank O�ered Rate (HIBOR) minus 0.5%p.a. The Basic Savings Rate (if any) applicable to the registered HKD savings deposit

account is not subject to the aforesaid cap. Hong Kong Interbank O�ered Rate (HIBOR) as at any date means the Hong Kong Interbank O�ered Rate for the interest period of 3 months for Hong Kong Dollars quoted by the Bank on such date. This HIBOR quoted by the Bank is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.

12. The New Fund Balance should be more than HKD100,000 and less than HKD10,000,000. The Eligible Customer will be entitled to the Bonus Interest Rate under the Step-up Savings Deposit O�er on top of the Bank’s Hong Kong Dollar basic savings rate for the New Fund Balance while the Existing Deposit Balance will be subject to the Bank’s HKD basic savings rate only.

13. Bonus interest of the Step-up Savings Deposit O�er will be calculated with reference to the daily New Fund Balance in the Registered Account at the corresponding Bonus Interest Rate during the Bonus Period and will be accrued daily and credited to the customer’s Registered Account monthly under the code of “BONUS INT.” shown on passbook or statement.

14. Bonus interest will be credited into customer’s Registered Account on the last day of each calendar month. If the Registered Account is closed before the next monthly bonus interest payment date, the entitlement of bonus interest for the period from the previous monthly bonus interest payment date up to the account closing date will be forfeited.

15. HKD basic savings rate accrued on the Existing Deposit Balance will be payable to the Registered Account according to Terms and Conditions of the HKD Passbook Savings Account or that of the HKD Statement Savings Account.

16. The Bank’s HKD basic savings rate may be revised subject to the prevailing market condition without any prior notice.

General Terms and Conditions1. The Step-up Savings Deposit O�er is limited and is available on a �rst-come-�rst-served basis2. The above privilege(s) is/are subject to the Speci�c Terms and Conditions and General Terms and Conditions herein. Eligible Customer cannot enjoy any of the above privilege(s) in

conjunction with any other promotion o�ers of the Bank, nor transfer the o�er of the above privilege(s) to any other person(s) or exchange the same for other o�er(s) of the Bank. For the avoidance of any doubt, the Bank reserves its right not to o�er any or all of the above privilege(s) at its sole and absolute discretion without giving any prior notice or reason therefor.

3. The Bank reserves the right to suspend, amend, vary and/or terminate all or any of the above privilege(s) and/or the Speci�c Terms and Conditions and/or General Terms and Conditions stated herein or any part thereof from time to time and at any time. The Bank’s decision(s) and interpretation(s) on any / all matters and/or disputes concerning or arising from any of the above privilege(s) and/or the Speci�c Terms and Conditions and/or General Terms and Conditions herein or any part thereof (including without limitation all or any de�nitions herein) shall be �nal, conclusive and binding on all customers.

4. All deposit products and services will be subject to the terms and conditions of the relevant account opening documentation and all other applicable terms and conditions.5. If there is any discrepancy between the English and the Chinese versions hereof, the English version shall prevail.6. The Step-up Savings Deposit O�er is not applicable to current account, existing customers in joint names with others, OCBC Wing Hang Smart Account customers, Flexi-Mortgage

Deposit Account customers, customers enjoying the Interest Delight Savings Deposit O�er or any sta� of the Bank.

Eligible Customers deposit HKD200,000 from other banks into the Registered Account on 24 April 2020

Eligible Customers set up time deposit in year 2019 which is matured on 24 April 2020. The time deposit principle is renewed for another time deposit and the interest is deposited into the Registered Account

Eligible Customers deposit HKD200,000 from other banks into the HKD current account on 24 April 2020

Eligible Customers switch HKD fund from his/her HKD current account to the Registered Account on 24 April 2020

Eligible Customers deposit HKD200,000 from other banks into the Registered Account on 24 April 2020, and the fund is used for setting up HKD time deposit within the same day.

Y

Y(Only time deposit interest is considered as net growth of New Fund Balance)

N(No net growth of HKD deposit balance of the Registered Account in the Bank)

N(No net growth of HKD deposit balance in the Bank. Funds transferred from any existing deposit account held with the Bank will not be counted towards the New Fund Balance)

N(No net growth of HKD deposit balance of the Registered Account as the fund is being transferred out of the Registered Account before the end of the Registration Period)