Terms and Conditions for Priority Banking Promotion

1. General Terms and Conditions:
   1. The promotion comprises of the offers under Sections II – IV (each an “Offer”, collectively “Offers”) and the promotion period for the Offers is from 1 January 2026 to 31 March 2026,, both dates inclusive (the “Promotion Period”).
   2. For joint account(s), only the primary account holder will be eligible to enjoy the Offer(s).
   3. If the client is entitled to the Offers in conjunction with other promotional offers during the Promotion Period, Standard Ch artered Bank (Hong Kong) Limited (the “Bank”) reserves the right to grant to the client all or part of the entitled Offers at its sole discretion.
   4. For the purposes of the Offers:
      1. “New Client” refers to a client who did NOT, in the past 12 months from the date of the current sign up for Priority Banking during the Promotion Period, hold any product or service with or distributed by the Bank (including but not limited to deposit account (in the case of a joint account, unless the new client is a primary account holder to the joint account, he/she will not be consi dered having held any product or service with or distribution by the Bank), investment services and insurance products underwritten by the third party insurer) except Standard Chartered Credit Cards. “Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card. New Client also include clients who have signed up for Easy Banking via SC Mobile during the Promotion Period and upgraded to Priority Banking within the same calendar month of the sign-up.
      2. “Existing Client” refers to a client who, (A) as of the last day of two months prior to the date of the current sign up for Priority Banking during the Promotion Period, (i) held any products or services with or distributed by the Bank (including but not limited to deposit account (in the case of a joint account, unless the existing client is a primary account holder to the joint account, he/she will not be considered having held any product or service with or distribution by the Bank), investment services and insurance products underwritten by the third party insurer) except Standard Chartered Credit Cards, and (ii) maintained a positive Total Balance, and (B) has not been a Priority Private or Priority Banking client in any of the preceding 12 months from the date of the current sign up for Priority Banking.
      3. New Client and Existing Client, collectively (“Eligible Client”).
      4. “New Funds” refer to monies deposited by cash, cheque/cashier's order, Local Bank Transfer Payment through Real Time Gross Settlement (RTGS, also known as Clearing House Automated Transfer System (CHATs)), Faster Payment System (FPS), telegraphic transfer from other banks or transfer-in Investment Funds, Debt Securities or Securities from other banks or financial institutions to the investment product account held with the Bank excluding renewal or rollover of existing time deposits, transfer of funds from any account within the Bank or any currency converted from Premium Deposit upon maturity.
   5. Eligible Client's enrolment in Priority Banking and application for such banking products and services as mentioned under an Offer must remain in effect at the time when the corresponding Offer is awarded or delivered to the Eligible Client. Otherwise, the reward will be forfeited absolutely and that the Eligible Client will not be compensated in any way.
   6. If after an Offer is awarded or delivered to the Eligible Client, the relevant Eligible Client terminates Priority Banking within 12 months from the date of the current sign up, the Bank reserves the right to charge an amount equivalent to the value of the Offer as an administration fee and debit the same amount from any of the relevant Eligible Client’s account with the Bank without prior notice.
   7. The Bank reserves the right to determine the calculation methods applied under the Offers (including in ascertaining the amount of any applicable balance requirement) and verify the Eligible Client’s transaction records in considering the Eligible Client’s eli gibility for the Offers. In case of any disputes, the Bank’s decision shall be final and binding.
   8. If the relevant account balance, transaction amount or premium under any life assurance basic plans is denominated in foreign currency, for the purpose of calculating any entitlement under the Offer(s), the Bank’s exchange rate or exchange rate determined by Prudential Hong Kong Limited (a member of Prudential plc group) for insurance premium quoted at its discretion from time to time will be adopted for converting the relevant account balance, transaction amount or insurance premium from the foreign currency to HKD equivalent, which will then be used to calculate the relevant Offer(s) entitlement.
   9. Each of the banking products or services set out in these terms and conditions is subject to the relevant eligibility, application process and product terms and conditions. For further details, please refer to branch staff for assistance.
   10. Eligible Client who participates in the Offer(s) under Section III or IV below may choose to have either cash rebate or Asia Miles as the reward. Eligible Client may choose to have Asia Miles as the reward on the Bank’s designated webpage at sc.com/hk/AM (“Designated Webpages”). If an Eligible Client does not submit Asia Miles Reward registration to the Bank within the Registration Period (as defined in Clause 11(c) of Section I below) or any information submitted via the Designated Webpages is incorrect or insufficient for the purpose of crediting of Asia Miles (as stated in Clause 12 of Section I below), cash rebate will be made available to the Eligible Client. The amount of cash rebate or number of Asia Miles that an Eligible Client may be entitled to is specified in Sections III and IV below respectively.
   11. If an Eligible Client chooses Asia Miles as the reward preference on the Designated Webpages:
       1. The reward for the Offer(s) under Section III or Section IV (as the case may be) will be made available to the Eligible Client in the form of Asia Miles upon fulfilment of all the relevant requirements in these Terms and Conditions;
       2. The Eligible Client must have an existing Cathay membership account. Otherwise, the Eligible Client has to sign up for Cat hay membership account through Cathay website by the Registration Period (as defined below);
       3. The Eligible Client must successfully register on the Designated Webpages with a valid Cathay membership account in the name of Eligible Client and other details as required (the “Asia Miles Reward Registration”) within the period as specified in the table below (the “Registration Period”) (or such period as informed by the Bank).
          

          Priority Banking sign-up date (both dates inclusive)	Registration Period (both dates inclusive)
          1 January 2026 to 31 March 2026	1 January 2026 to 30 April 2026

       4. For the avoidance of doubt, valid Cathay membership account must be held by the Eligible Client and the Bank does not acce pt any Cathay membership accounts that are not held by the Eligible Client for the purpose of crediting of Asia Miles. Successfu l registration cannot be cancelled or modified. For an Eligible Client who has submitted multiple rewards registrations, only t he latest Asia Miles Reward Registration record made within Registration Period will be taken by the Bank for the purpose of crediting of Asia Miles.
       5. The Bank will provide the Eligible Client’s Cathay membership information, including surname, given name, membership numbe r, and the number of Asia Miles earned, if any, to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the respective Eligible Client’s Cathay membership accounts within 4-6 weeks after the corresponding Fulfilment Date as stated in Clause 12(b) in this Section (“Asia Miles Fulfilment Date”).
       6. Each Eligible Client acknowledges that the Asia Miles earned shall be credited to his/her Cathay membership account by Asia Miles Limited. The Bank will use its best endeavour to provide the necessary information to Asia Miles Limited to facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Eligible Client’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relat ing to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at www.asiamiles.com
       7. Terms and conditions of Asia Miles apply for redemption and/or use of Asia Miles. For details, please visit www.asiamiles.com. The Bank is not obliged to notify Eligible Client of any changes or latest announcements of Asia Miles Limited. Eligible Clie nts understand and accept that the Bank is not the supplier of the Cathay membership account or the Asia Miles rewarded if so chooses. The Bank shall bear no liability relating to any aspect of the Cathay membership account or the Asia Miles, including without limitation, the supply, the descriptions of the Cathay membership account and the Asia Miles provided by supplier, any false trade description, misrepresentation, misstatement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account or the Asia Miles provided by the supplier, its employees, officers or agents.
       8. Asia Miles earned cannot be converted into bonus points or cash rebate and are non-transferable.
   12. . If an Eligible Client does not submit reward registration to the Bank within the Registration Period or any information submitted via the Designated Webpages is incorrect or insufficient for the purpose of crediting of Asia Miles as considered by the Bank or Asia Miles Limited:
       1. The reward for the Offer(s) under Section III or Section IV (as the case may be) will be available to Eligible Client in the form of cash rebate and in replacement of Asia Miles upon fulfilment of all the relevant requirements in these Terms and Conditions.
       2. The Bank will credit the cash rebate on or before 30 September 2026 (“Fulfilment Date”) without prior notice.
       3. The Bank will credit the cash rebate to respective HKD deposit account (exclude Marathon Savings Account, Wealth Saver account, MortgageOne®Account and Mortgage $aver Current Account) held by the Eligible Client in sole name in the following sequence:
          1. Sub-account under Integrated Deposits Account;
          2. Current Account;
          3. Statement Savings;
          4. Passbook Savings
          If the Eligible Client has no valid HKD deposit account in sole name, the Bank will credit to the Eligible Client’s HKD deposit account in the capacity as primary account holder for joint account with either-to-sign instruction, or joint account with both-to-sign instruction in the above sequence.
          If the Eligible Client has no valid HKD deposit account, the Bank will credit to the Eligible Client’s USD deposit account in the above sequence. If the Eligible Client has more than one account under same account type, the Bank will select any one of the accounts with the latest account opening date for the crediting at its discretion.
   13. The Bank reserves the right to vary, extend, terminate and/or cancel any of the Offer(s) or to amend any of the terms and conditions herein from time to time without prior notice. In case of any disputes, the Bank’s decision shall be final and binding.
   14. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
2. Terms and Conditions for Maintenance Fee Waiver Offer (the “Fee Waiver Offer”)
   1. A New Client and an Existing Client who fulfils all the requirements below may enjoy the Fee Waiver Offer:
      1. Take up or hold HKD Savings Account and HKD Current Account (or any Foreign Currency Savings Account) upon the current si gn up for Priority Banking; and
      2. Complete any of the following requirements by the Designated Date as stated in clause 1f of Section III below (in the case of New Client) or clause 1f of Section IV below (in the case of Existing Client).
         1. Successfully register for Online Banking; or;
         2. Successfully register for the SC Mobile App; or in the event the client already has registered for the SC Mobile App, log on to the SC Mobile App at least once; or
         3. Enable Push notification on the SC Mobile App.
   2. The Fee Waiver Offer comprises of the first 2 quarters Priority Banking maintenance fee waiver in the case of New Client and first 4 quarters Priority Banking maintenance fee waiver in the case of Existing Client. The first 2 quarters maintenance fee waiver provides New Client with a waiver for Priority Banking maintenance fee for the first 2 quarters from the date of sign up for Priority Banking. The first 4 quarters maintenance fee waiver provides Existing Client with a waiver for Priority Banking maintenance fee for the first 4 quarters from the date of sign up for Priority Banking. For the avoidance of doubt, if New Client and Existin g Client are entitled to the Fee Waiver Offer, he/she will not be entitled to the one quarter fee waiver as stated in the Bank’s servi ce charge booklet even if the minimum Relationship Balance requirement is fulfilled. Upon expiration of the Fee Waiver Offer, if the av erage daily Relationship Balance of the New Client and Existing Client within the quarter falls below HKD1,000,000, a maintenance fee of HKD900 will be charged for the quarter. For details, please refer to the Service Charges booklet and Banking Terms and Conditions which can be obtained at any of our branches or at our website sc.com/hk. The Bank reserves the right to, upon prior notification to the New Client and Existing Client, provide another banking plan (other than Priority Banking) with a different minimum Relationship Balance requirement that would better suit the banking needs of the New Client and Existing Client.
   3. New Client and Existing Client will be entitled to the Fee Waiver Offer once only during the Promotion Period.
3. Terms and Conditions for New Funds Growth Offer for New Client (the “New Funds Growth Offer for New Client”) (applicable to New Client only)
   1. New Client who fulfils all of the following requirements will be entitled to the New Funds Growth Offer for New Client as the welcome privilege for New Client signing up for Priority Banking. The respective requirement dates are set out below:
      1. Fulfil the entry Relationship Balance requirement of HKD1,000,000 or above before the due date as referred to the table below in clause 1(f) of this Section below after signing up as a Priority Banking client; and
      2. Complete a “Customer Investment Profile” questionnaire within the designated date as referred to the table below in clause 1(f) of this Section (the “Designated Date”); and
      3. Successfully register for the SC Mobile App, or in the event the New Client already has registered for the SC Mobile App, log on to the SC Mobile App at least once by the Designated Date as stated in the table below in clause 1(f) of this Section; and
      4. Enable Push notification on the SC Mobile App by the Designated Date as stated in the table in clause 1(f) of this Section below until and including the date on which the Cash Rebate or Asia Miles Rewards is credited; and
      5. Deposit New Funds of not less than HKD1,000,000 to the Bank by the relevant dates as referred to the table below after signing up as a Priority Banking client; and
      6. Maintain a Relationship Balance that is equal to or above the amount required to be deposited as New Funds, until at least the relevant corresponding Designated Date stated in the table below:

         Priority Banking sign-up date (both dates inclusive)	Due date for fulfilling the entry Relationship Balance/ depositing the New Funds (inclusive)	Designated Date (inclusive)
         1 – 31 January 2026	28 February 2026	30 April 2026
         1 – 28 February 2026	31 March 2026	31 May 2026
         1 – 31 March 2026	30 April 2026	30 June 2026

   2. The reward under the New Funds Growth Offer for New Client will be in the form of cash rebate or Asia Miles as the New Client chooses. Subject to the fulfilment of the requirements set out in Clause 1 of this Section, cash rebate or Asia Miles will be made available to New Client as per the table shown below depending on the New Funds amount requirement that the New Client fulfilled:

      New Funds Amount (HKD or HKD equivalent)	Cash Rebate (HKD)		Asia Miles Rewards
      1,000,000 – 1,499,999	4,000		40,000
      1,500,000 – 1,999,999	5,000		50,000
      2,000,000 – 2,999,999	7,000		70,000
      3,000,000 – 3,999,999	10,000		100,000
      4,000,000 – 4,999,999	13,000	OR	130,000
      5,000,000 – 5,999,999	16,000		160,000
      6,000,000 – 6,999,999	19,000		190,000
      7,000,000 or above	22,000		220,000

   3. New Client will be entitled to the New Funds Growth Offer for New Client once only during the Promotion Period.
4. Terms and Conditions for New Funds Growth Offer for Existing Client (the “New Funds Growth Offer for Existing Client”) (applicable to Existing Client only)
   1. Existing Client who fulfils all of the following requirements will be entitled to the New Funds Growth Offer for Existing Client. The respective requirement dates are set out below:
      1. Fulfil the entry Relationship Balance requirement of HKD1,000,000 or above before the due date as referred to the table below in clause 1(f) of this Section after signing up as a Priority Banking client; and
      2. Complete a “Customer Investment Profile” questionnaire within the designated date as referred to the table below in clause 1(f) of this Section (the “Designated Date”); and
      3. Successfully register for the SC Mobile App, or in the event the Existing Client already has registered for the SC Mobile App, log on to SC Mobile App at least once by the Designated Date as stated in the table below in clause 1(f) of this Section; and
      4. Enable Push notification on the SC Mobile App by the Designated Date as stated in the table below in clause 1(f) of this Section until and including the date on which the Cash Rebate or Asia Miles Rewards is credited; and
      5. Deposit New Funds of not less than HKD500,000 to the Bank by the relevant dates as referred to the table below in clause 1(f) of this Section after signing up as a Priority Banking client; and
      6. Maintain a Relationship Balance that is equal to or above the amount required to be deposited as New Funds, until at least the relevant corresponding Designated Date stated in the table below:

         Priority Banking sign-up date (both dates inclusive)	Due date for fulfilling the entry Relationship Balance/ depositing the New Funds (inclusive)	Designated Date (inclusive)
         1 – 31 January 2026	28 February 2026	30 April 2026
         1 – 28 February 2026	31 March 2026	31 May 2026
         1 – 31 March 2026	30 April 2026	30 June 2026

   2. New Funds Growth Offer for Existing Client will be made available to Existing Client in the form of cash rebate or Asia Miles. Subject to the fulfilment of the requirements set out in Clause 1 of Section IV above, cash rebate or Asia Miles will be made availab le to Existing Client as per the table shown below depending on the New Funds Amount requirement that the Existing Client fulfilled:

      New Funds Amount (HKD or HKD equivalent)	Cash Rebate (HKD)		Asia Miles Rewards
      First 500,000	1,500		15,000
      1,000,000 to 5,000,000 (For every 500,000 New Funds Amount)	Extra 1,000	OR	Extra 10,000
      Total	Up to 10,500		Up to 105,000

   3. For Existing Client who fulfils all the requirements under Clause 1 of Section IV except that the New Funds Amount is less than HKD500,000, cash rebate or Asia Miles will still be available to such client as per the table shown below depending on the New Funds Amount requirement that such client fulfilled:

      New Funds Amount (HKD or HKD equivalent)	Cash Rebate (HKD)		Asia Miles Rewards
      100,000 to less than 500,000	500	OR	5,000

   4. For the purposes of this New Funds Growth Offer for Existing Client:
      1. “New Funds Amount” means the amount of credit balance in New Funds deposited by Existing Client in excess of his/her Total Balance at the Bank as of the last day of two months prior to the date of the current sign up for Priority Banking as stated in the table below (“Benchmark Date”).

         Priority Banking sign-up month (both dates inclusive)	Benchmark Date
         1 – 31 January 2026	30 November 2025
         1 – 28 February 2026	31 December 2025
         1 – 31 March 2026	31 January 2026

      2. “Total Balance” includes the aggregate balance of deposits, investments and accumulated premiums of selected insurance under personal account as primary account holder. To check Total Balance as of the Benchmark Date, please contact our branch staff.
   5. Existing Client will be entitled to the New Funds Growth Offer for Existing Client once only during the Promotion Period.

You need to read this document.

It sets out specific terms and conditions on which we agree to provide you with any of the products and services under the Priority Banking Promotion. You must read it in conjunction with our Client Terms, and the applicable documents referred to in Part A of Client Terms (including the Current/Cheque/Savings Account and Time Deposit Account Terms, product brochure, Important Notes and promotional terms (if applicable)) and any other documents forming our banking agreement which are also binding on you. The banking agreement is available to you at any of our branches or our website at sc.com/hk. If there is any inconsistency between the approval (if any) and any other part(s) of our banking agreement, then the terms in the approval prevails. These terms do not apply to any existing product(s) and service(s) you have with us to the extent that they are subject to separate terms and conditions.

New Funds Growth Offer - Cash Rebate/Asia Miles for New Client

New Clients who sign up for Priority Private during the Promotion Period can enjoy up to HKD68,888 cash rebate or 688,880 Asia Miles Rewards.

# New Clients shall successfully sign up for Professional Investor (“PI”) status with the Bank during the period from 1 January 2026 to 30 April 2026, and maintain the Pl status until its expiry date as specified by the Bank.

New Funds Growth Offer - Cash Rebate/Asia Miles for Selected Existing Client

Selected Existing Clients who sign up for Priority Private during the Promotion Period can enjoy up to HKD41,000 cash rebate or 410,000 Asia Miles Rewards.

Selected Existing Clients who successfully sign up for or renew Professional Investor (“PI") status with the Bank during the period from 1 January 2026 to 30 April 2026 (excluding clients whose Pl status is automatically renewed by the Bank), and maintain the Pl status until its expiry date as specified by the Bank , can be entitled to an additional cash rebate of HKD1,000 or Asia Miles Rewards of 10,000.

Terms and Conditions Apply.

Terms and Conditions for Priority Private Promotion

1. General Terms and Conditions:
   1. The promotion comprises of the offers under Sections II – III (each an “Offer”, collectively “Offers”) and the promotion period for the Offers is from 1 January 2026 to 31 March 2026, both dates inclusive (the “Promotion Period”).
   2. For joint account(s), only the primary account holder will be eligible to enjoy the Offer(s).
   3. If the client is entitled to the Offers in conjunction with other promotional offers during the Promotion Period, Standard Chartered Bank (Hong Kong) Limited (the “Bank”) reserves the right to grant to the client all or part of the entitled Offers at its sole discretion.
   4. For the purposes of the Offers:
      1. “New Client” refers to a client who did NOT, in the past 12 months from the date of the current sign up for Priority Banking during the Promotion Period, hold any product or service with or distributed by the Bank (including but not limited to deposit account (in the case of a joint account, unless the new client is a primary account holder to the joint account, he/she will not be consi dered having held any product or service with or distribution by the Bank), investment services and insurance products underwritten by the third party insurer) except Standard Chartered Credit Cards. “Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card.
      2. “PP New Client” refers to a New Client who signs up for Priority Private during the Promotion Period or a New Client who signs up for Priority Private on or before the last day of the next calendar month from the date of signing up for Priority Banking during the Promotion Period.
      3. “Selected Existing Client” refers to a client who, (i) receives communication directly from the Bank regarding the Offers; and, as of 31 October 2025, (ii) held any products or services with or distributed by the Bank (including but not limited to deposit account (in the case of joint account, unless the new client is a primary account holder to the joint account, he/she will not be considered having held any product or service with or distributed by the Bank), investment services and insurance products underwritten by the third party insurer) except Standard Chartered Credit Cards, and (iii) maintained a positive Total Balance.
      4. “PP Selected Existing Client” refers to a Selected Existing Client who signs up for Priority Private during the Promotion Period and has not been a Priority Private client in any of the preceding 12 months from the date of the current sign up for Priority Private or a Selected Existing Client who signs up for Priority Private on or before the last day of the next calendar month from the date of signing up for Priority Banking during the Promotion Period.
      5. PP New Clientand PP Selected Existing Client, collectively (“Eligible Client”).
      6. “New Funds” refer to monies deposited by cash, cheque/cashier’s order, Local Bank Transfer Payment through Real Time Gross Settlement (RTGS, also known as Clearing House Automated Transfer System (CHATs)), Faster Payment System (FPS), telegraphic transfer from other banks or transfer-in Investment Funds, Debt Securities or Securities from other banks or financial institutions to the investment product account held with the Bank excluding renewal or rollover of existing time deposits, transfer of funds from any account within the Bank or any currency converted from Premium Deposit upon maturity.
      7. “Total Balance” includes the aggregate balance of deposits, investments and accumulated premiums of selected insurance under personal account as primary account holder with the Bank. The balance of a joint account will only be counted as the Total Balance of the primary account holder.
   5. Eligible Client's enrolment in Priority Banking and application for such banking products and services as mentioned under an Offer must remain in effect at the time when the corresponding Offer is awarded or delivered to the Eligible Client. Otherwise, the reward will be forfeited absolutely and that the Eligible Client will not be compensated in any way.
   6. If after an Offer is awarded or delivered to the Eligible Client, the relevant Eligible Client terminates Priority Banking within 12 months from the date of the current sign up, the Bank reserves the right to charge an amount equivalent to the value of the Offer as an administration fee and debit the same amount from any of the relevant Eligible Client’s account with the Bank without prior notice.
   7. The Bank reserves the right to determine the calculation methods applied under the Offers (including in ascertaining the amount of any applicable balance requirement) and verify the Eligible Client’s transaction records in considering the Eligible Client’s eli gibility for the Offers. In case of any disputes, the Bank’s decision shall be final and binding.
   8. If the relevant account balance, transaction amount or premium under any life assurance basic plans is denominated in foreign currency, for the purpose of calculating any entitlement under the Offer(s), the Bank’s exchange rate or exchange rate determined by Prudential Hong Kong Limited (a member of Prudential plc group) for insurance premium quoted at its discretion from time to time will be adopted for converting the relevant account balance, transaction amount or insurance premium from the foreign currency to HKD equivalent, which will then be used to calculate the relevant Offer(s) entitlement.
   9. Each of the banking products or services set out in these terms and conditions is subject to the relevant eligibility, application process and product terms and conditions. For further details, please refer to branch staff for assistance.
   10. Eligible Client who participates in the Offer(s) under Section Il or Il below (“Section II/Ill Eligible Client”) may choose to have either cash rebate or Asia Miles as the reward. Section II/Ill Eligible Client may choose to have Asia Miles as the reward on the Banks designated webpage at sc.com/hk/AM (“Designated Webpages”) and provide relevant information under Priority Private/ Priority Banking/ Premium Banking/ Easy Banking/ Employee Banking Welcome Privileges option. IF a Section Il/Ill Eligible Client does not submit Asia Miles Reward registration to the Bank within the Registration Period (as defined in Clause 11(c) of Section | below) or any information submitted via the Designated Webpages is incorrect or insufficient for the purpose of crediting of Asia Miles (as stated in Clause 12 of Section | below), cash rebate will be made available to the Section II/Ill Eligible Client. The amount of cash rebate or number of Asia Miles that a Section II/Ill Eligible Client may be entitled to is specified in Sections Il and Il below respectively.
   11. If a Section II/Ill Eligible Client chooses Asia Miles as the reward preference on the Designated Webpages:
       1. The reward for the Offer(s) under Section Il or Section lil (as the case may be) will be made available to the Section 11/1ll Eligible Client in the Form of Asia Miles upon fulfilment of all the relevant requirements in these Terms and Conditions;
       2. The Section II/lll Eligible Client must have an existing Cathay membership account. Otherwise, the Section II/Ill Eligible Client has to sign up for Cathay membership account through Cathay website by the Registration Period (as defined below);
       3. The Section II/Ill Eligible Client must successfully register on the Designated Webpages with a valid Cathay membership account in the name of Section II/Ill Eligible Client and other details as required (the “Asia Miles Reward Registration”) within the period as specified in the table below (the “Registration Period”) (or such period as informed by the Bank).

          Priority Private sign-up date (both dates inclusive)	Registration Period (both dates inclusive)
          1 January 2026 to 31 March 2026	1 January 2026 to 30 April 2026
          1 April 2026 to 30 April 2026*

          * Applicable to Priority Private clients who firstly sign up for Priority Banking in March 2026 and are subsequently upgraded to Priority Private in April 2026 only.
       4. For the avoidance of doubt, valid Cathay membership account must be held by the Section II/ il Eligible Client and the Bank does not accept any Cathay membership accounts that are not held by the Section II/lll Eligible Client for the purpose of crediting of Asia Miles. Successful registration cannot be cancelled or modified. For a Section II/Ill Eligible Client who has submitted multiple rewards registrations, only the latest Asia Miles Reward Registration record made within Registration Period will be taken by the Bank for the purpose of crediting of Asia Miles. of Asia Miles.
       5. The Bank will provide the Section II/lll Eligible Client’s Cathay membership information, including surname, given name, membership number, and the number of Asia Miles earned, if any, to Asia Miles Limited for the crediting of the Asia Miles. Upon receiving such information from the Bank, Asia Miles Limited will credit the Asia Miles earned to the respective Section II/Ill Eligible Client's Cathay membership accounts within 4-6 weeks after the corresponding Fulfilment Date as stated in Clause 12(b) in this Section (“Asia Miles Fulfilment Date”).
       6. Each Section II/lll Eligible Client acknowledges that the Asia Miles earned shall be credited to his/her Cathay membership account by Asia Miles Limited. The Bank will use its best endeavour to provide the necessary information to Asia Miles Limited to Facilitate this purpose; however, the Bank makes no warranty that the Asia Miles earned will be accurately credited to the Cathay membership account by Asia Miles Limited and accepts no liability for failure or delay in the crediting of Asia Miles to the Section II/Ill Eligible Client’s Cathay membership account for any reason beyond the Bank’s control. The Bank accepts no liability relating to the Asia Miles, including but not limited to the expiry date, usage and redemption. For enquiries relating to crediting of the Asia Miles and the relevant terms and conditions, please contact Asia Miles Limited and/or refer to Asia Miles Limited website at www.asiamiles.com.
       7. Terms and conditions of Asia Miles apply for redemption and/or use of Asia Miles. For details, please visit www.asiamiles.com. The Bank is not obliged to notify Section II/lll Eligible Client of any changes or latest announcements of Asia Miles Limited. Section II/Ill Eligible Clients understand and accept that the Bank is not the supplier of the Cathay membership account or the Asia Miles rewarded if so chooses. The Bank shall bear no liability relating to any aspect of the Cathay membership account or the Asia Miles, including without limitation, the supply, the descriptions of the Cathay membership account and the Asia Miles provided by supplier, any false trade description, misrepresentation, misstatement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Cathay membership account or the Asia Miles provided by the supplier, its employees, officers or agents.
       8. Asia Miles earned cannot be converted into bonus points or cash rebate and are non-transferable.
   12. If a Section II/Ill Eligible Client does not submit reward registration to the Bank within the Registration Period or any information submitted via the Designated Webpages is incorrect or insufficient for the purpose of crediting of Asia Miles as considered by the Bank or Asia Miles Limited:
       1. The reward for the Offer(s) under Section III or Section IV (as the case may be) will be available to Section II/Ill Eligible Client in the form of cash rebate and in replacement of Asia Miles upon fulfilment of all the relevant requirements in these Terms and Conditions.
       2. The Bank will credit the cash rebate on or before 30 September 2026 (“Fulfilment Date”) without prior notice.
       3. The Bank will credit the cash rebate to respective HKD deposit account (exclude MortgageOne® Account and Mortgage $aver Current Account) held by the Section II/lll Eligible Client in sole name in the following sequence:
          1. Sub-account under Integrated Deposits Account;
          2. Current Account;
          3. Statement Savings;
          4. Passbook Savings

          If the Section Il/Ill Eligible Client has no valid HKD deposit account in sole name, the Bank will credit to the Section I1/Ill Eligible Client's HKD deposit account in the capacity as primary account holder for joint account with either-to-sign instruction, or joint account with both-to-sign instruction in the above sequence.

          If the Section II/Ill Eligible Client has no valid HKD deposit account, the Bank will credit to the Section II/Ill Eligible Client’s USD deposit account at an exchange rate determined by the Bank at its sole discretion in the above sequence. IF the Section Il/Ill Eligible Client has more than one account under same account type, the Bank will select any one of the accounts with the latest account opening date for the crediting at its discretion.

   13. The Section II/Ill Eligible Client may submit an appeal regarding his / her entitlement to the Offer(s) to the Bank in writing within six months from the Fulfillment Date (i.e. on or 31 March 2027). Any appeals submitted after this period will not be considered or processed by the Bank.
   14. The Bank reserves the right to vary, extend, terminate and/or cancel any of the Offer(s) or to amend any of the terms and conditions herein from time to time without prior notice. In case of any disputes, the Bank's decision shall be final and kinding.
   15. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
2. Terms and Conditions for New Funds Growth Offer - Cash Rebate/Asia Miles for New PP Client (the “New Funds Growth Offer for New Client”) (applicable to PP New Client only)
   1. PP New Client who Fulfils all of the following requirements (“Section Il Eligible Client”) will be entitled to the New Funds Growth Offer for New Client as the welcome privilege for New Client signing up for Priority Private. The respective requirement dates are set out below:
      1. Fulfil the entry Total Balance requirement of HKD8,000,000 or above upon signing up as a Priority Private client; and
      2. Complete a“Customer Investment Profile” questionnaire by the designated date as referred to the table below (the “Designated Date”); and
      3. Deposit New Funds Amount of not less than the amount as set out in Clause 2 of Section Il in full with the Bank upon signing up as a Priority Private client. For New Client who firstly signs up for Priority Banking and then upgraded to Priority Private on or before the last day of the next calendar month from the date of signing for Priority Banking, deposit New Funds Amount of not less than the amount as set out in Clause 2 of Section Il with the Bank by the last day of the next calendar month from the date of signing up for Priority Banking; and
      4. Maintain the Total Balance at/ above the New Funds Amount, until at least the relevant corresponding Designated Date stated in the table below:

         Priority Private Sign-up date (both dates inclusive)	Designated Date (inclusive)
         1 January 2026 to 31 January 2026	30 April 2026
         1 February 2026 to 28 February 2026	31 May 2026
         1 March 2026 to 31 March 2026	30 June 2026
         1 April 2026 to 30 April 2026 *	31 July 2026

      * Applicable to Priority Private clients who firstly sign up for Priority Banking in March 2026 and are subsequently upgraded to Priority Private in April 2026 only.

      For New Clients who firstly sign up for Priority Banking and are subsequently upgraded to Priority Private on or before the last day of the next calendar month from the date of signing up for Priority Banking, the Designated Date will be determined based on the Priority Private sign-up date. For example, if a client signs up Priority Banking in January 2026 and is upgraded to Priority Private in February 2026, the Designated Date for this client will be 31 May 2026.

   2. The reward under the New Funds Growth Offer for New Client will be in the form of cash rebate or Asia Miles as the Section Eligible Client chooses. Subject to the fulfilment of the requirements set out in Clause 1of this Section, cash rebate or Asia Miles will be made available to New Client as per the table shown below depending on the New Funds amount and P rofessional Investor status requirement that the New Client fulfilled:

      New Funds Amount upon signing up for Priority Private (HKD or HKD equivalent) and Professional Investor Status	Cash Rebate (HKD)		Asia Miles Rewards
      Priority Private
      8,000,000 or above and does not hold Professional Investor status	27,000		270,000
      8,000,000 or above and holds Professional Investor status#	38,888	OR	388,880
      15,000,000 or above and holds Professional Investor status#	58,888		588,880

      # New Clients shall successfully sign up for Professional Investor (“PI”) status with the Bank during the period from 1 January 2026 to 30 April 2026, and maintain the PI status until its expiry date as specified by the Bank.
   3. Section Il Eligible Client will be entitled to the New Funds Growth Offer for New Client once only during the Promotion Period.
3. Terms and Conditions for New Funds Growth OFfer - Cash Rebate/Asia Miles for PP Selected Existing Client (the “New Funds Growth Offer for Selected Existing Client”) (applicable to PP Selected Existing Client only)
   1. PP Selected Existing Client who fulfils all of the following requirements (“Section Ill Eligible Client”) will be entitled to the New Funds Growth Offer for Selected Existing Client. The respective requirement dates are set out below:
      1. Fulfil the entry Total Balance requirement of HKD8,000,000 or above upon signing up as a Priority Private client; and
      2. Complete a “Customer Investment Profile” questionnaire by the designated date as referred to the table below (the “Designated Date”);
      3. Deposit New Funds of not less than HKD1,000,000 in full to the Bank upon signing up as a Priority Private client. For client who firstly signs up for Priority Banking and then upgraded to Priority Private on or before the last day of the next calendar month from the date of signing For Priority Banking, deposit New Funds of not less than HKD1,000,000 in full to the Bank by the last day of the next calendar month from the date of signing up for Priority Banking; and
      4. Maintain the Total Balance at HKD8,000,000 or above together with the New Funds Amount until at least the relevant corresponding Designated Date stated in the table below:

         Priority Private sign-up date (both dates inclusive)	Designated Date (inclusive)
         1 January 2026 to 31 January 2026	30 April 2026
         1 February 2026 to 28 February 2026	31 May 2026
         1 March 2026 to 31 March 2026	30 June 2026
         1 April 2026 to 30 April 2026 *	31 July 2026

         * Applicable to Priority Private clients who firstly sign up for Priority Banking in March 2026 and are subsequently upgraded to Priority Private in April 2026 only.

         For Selected Existing Clients who firstly sign up for Priority Banking and are subsequently upgraded to Priority Private on or before the last day of the next calendar month from the date of signing up for Priority Banking, the Designated Date will be determined based on the Priority Private sign-up date. For example, if a client signs up Priority Banking in January 2026 and is upgraded to Priority Private in February 2026, the Designated Date for this client will be 31 May 2026.

   2. New Funds Growth Offer for Selected Existing Client will be made available to Section Il Eligible Client in the form of cash rebate or Asia Miles. Subject to the fulfilment of the requirements set out in Clause 1of Section Ill above, cash rebate or Asia Miles will be made available to Section lll Eligible Client as per the tables shown below depending on the New Funds Amount requirement and the Eligible Subscription/Transaction amount that the Section Iil Eligible Client fulfilled:

      New Funds Amount upon signing up for Priority Private (HKD or HKD equivalent)	Offer 1: Accumulated Eligible subscription/Transaction of HKD1,000,000 or above on Designated Investment and/ or Insurance Product			Offer 2: Accumulated Eligible Subscription/Transaction of less than HKD1,000,000 on Designated Investment and/ or Insurance Product or no Eligible Subscription/Transaction at all
      	Cash Rebate (HKD)		Asia Miles Rewards	Cash Rebate (HKD)		Asia Miles Rewards
      1,000,000 - <2,000,000	2,500		25,000	2,500		25,000
      2,000,000 - <3,000,000	4,500		45,000	4,500		45,000
      3,000,000 - <4,000,000	6,500	OR	65,000	6,500	OR	65,000
      4,000,000 - <5,000,000	12,000		120,000	8,500		85,000
      5,000,000 - <10,000,000	25,000		250,000	10,500		105,000
      10,000,000 or above	40,000		400,000	20,000		200,000

   3. Section III Eligible Client who has invested in one or more of the eligible subscription/transaction of the Designated Investment and/or Insurance Product(s) specified in the following table (“Eligible Subscription/Transaction”) and accumulated a total subscription and/or transaction amount of HKD1,000,000 or above (or HKD equivalent) from 1 January 2026 to 30 June 2026 will be entitled to Offer 1 as specified in Clause 2. Section Ill Eligible Client who has not subscribed to any Designated Investment and/or Insurance Product or accumulated a total subscription and/or transaction amount of less than HKD1,000,000 on Designated Investment and/or Insurance Products will be entitled to Offer 2 as specified in Clause 2. For the avoidance of doubt, Section lll Eligible Client will be entitled to either Offer 1 or Offer 2 only.

      Designated Investment and/or Insurance Product	Eligible Subscription/ Transaction
      Investment Funds	Applicable to all Investment funds subscription at branch (with a minimum subscription fee of 2.0%) and Online Unit Trusts trading platform(no minimum fee requirement). Class B Funds,Money Market Fund SC Invest transactions are are NOT eligible for the New Funds Growth Offer for Selected Existing Client
      Bonds^	Applicable to all Bonds (excluding Retail Bonds) purchase transactions Spread of bond subscription transaction must be 1.0% or above
      Equity Linked Investments	Applicable to any Equity Linked Investments products with a minimum Bank’s trading profit of 2.4%
      Structured Notes^	Applicable to any Structured Notes products with a minimum Bank’s trading profit of 2.4%
      Life Insurance*	Any individual life insurance plan with Prudential Hong Kong Limited (basic plan(s) and supplementary benefit(s) of regular or single premium term policies)#

      ^Selected Structured Notes and selected Bonds are only applicable to Professional Investors.

      * Clients should only apply for suitable insurance products based on your own protection needs and affordability. The amount of cash rebate/ Asia Miles is not directly related to the premium amount, and the client can still enjoy the cash rebate/ Asia Miles even if he/she does not purchase any insurance products if the offer requirements are fulfilled.

      # The subscription/transaction amount of a life insurance plan that is a Designated Investment/Insurance Product based on the first year’s total annualised premium of the basic plan and supplementary benefit(s) (excluding levy) for regular premium term policies/the single premium of the basic plan (excluding levy) for single premium term policies (if applicable). The New Funds Growth Offer for Selected Existing Client will not be applicable to life insurance plans applied for or become(s) in force on or before 31 December 2025, or to any other basic plan(s) or supplementary benefit(s), or to any policy conversion or plan migration. Supplementary benefit(s) must be attached with the basic plans that are newly applied for at the same time during the Promotion Period. If the premium is paid on a non-annual basis, the first year's total annualised premium will be calculated on a pro-rata basis. If the premium is paid on a monthly basis, the first year’s total annualized premium shall be equal to 12 times the monthly payment. If the premium is a single lumpsum payment, the first year's total annualised premium shall be divided by 10 as annualised premium payment.

   4. To be entitled to Offer 1, the relevant investment product account(s) must still be valid at the time when the Cash Rebate/ Asia Miles is credited, otherwise the credit of the Cash Rebate/ Asia Miles will be forfeited.
   5. To be entitled to Offer 1, the relevant policy(ies) must remain in force (as determined by Prudential at its sole discretion) and the premium level must remain the same as (or above) the initial premium level determined at the time of issuance of the policy(ies); otherwise, the credit of the Cash Rebate/ Asia Miles will be forfeited.
   6. Section lll Eligible Client who successfully signs up for or renews Pl status with the Bank during the period from 1 January 2026 to 30 April 2026 (excluding clients whose Pl status is automatically renewed by the Bank), and maintains the Pl status until its expiry date as specified by the Bank, can be entitled to an additional cash rebate of HKD1,000 or Asia Miles Rewards of 10,000.
   7. Forthe purposes of this New Funds Growth Offer for Selected Existing Client:
      1. “New Funds Amount” means the amount of credit balance in New Funds deposited by Section Ill Eligible Client in excess of his/her Total Balance at the Bank as of the last day of two months prior to the date of the current sign up for Priority Private or Priority Banking as stated in the table below (“Benchmark Date”).

         Priority Private sign-up month (both dates inclusive)	Benchmark Date
         January: 1 January 2026 to 31 January 2026	30 November 2025
         February: 1 February 2026 to 28 February 2026	31 December 2025
         March: 1 March 2026 to 31 March 2026	31 January 2026
         April: 1 April 2026 to 30 April 2026*	28 February 2026

         * Applicable to Priority Private clients who firstly sign up for Priority Banking in March 2026 and are subsequently upgraded to Priority Private in April 2026 only.
   8. Section lll Eligible Client will be entitled to the New Funds Growth Offer for Selected Existing Client once only during the Promotion Period.