FERRSRT COMMERCIAL, BANKING ) Ia HART HANG SENG BANK Hang Seng Commercial Banking Services Professional Business and Financial Solutions to Facilitate Your Corporate ExpansionOnn eee cr Maur Sue a ce aa serving the region as a leading listed financing institution, has been capitalising on its strengths to provide corporate customers. with comprehensive and professional commercial banking RNR eee ec ena CoC Ron Cun rece RCA wa ae ee} CER a ae CR eam a Coy Pierce Hang Seng Bank Limited * Founded in 1933, the Bank has approximately 250 service outlets serving more than half of adult residents, * Established in 2007, our wholly-owned subsidiary, Hang Seng Bank (China) Limited, Is headquartered in Shanghal and operates a mainland China network with outlets located in Bejing, Shanghai, Guangzhou, Shenzhen, Fuzhou, Nanjing, Dongguan, Hangzhou, Ningbo, Tianjin, Kunming, Xiamen, Chengdu, Jinan, Foshan, Zhongshan, Huizhou, Zhuhai, Jiangmen and Shantou * The Bankis a principal member of the HSBC Group, which is among the world's largest financial services organisations. * In 2011, the Bank became a constituent stock of the Dow Jones Sustainability Asia Pacific Index, which isthe first \ocal bank in Hong Kong to be included inthe index. * The Hang Seng Index, which is complied and managed by a wholly-owned subsidiary of the Bank, has been recognised as the barometer of the Hong Kong stack market. Awards Ye The Hong Kong General Chamber of Small and Medium Business: Best SME's Partner Award 2006 - 2016 * Metro Finance and Wen We! Po RMB Business Qutstanding Awards: Outstanding Corporate/Commercial Banking - Cross Border Commercial Banking Award 2015 - 2016 Capital Weekly: PRO Choice Awards - Commercial Banking 2014 - 2016 ‘Asian Banking & Finance: Hong Kong Domestic Trade Finance Bank of the Year 2012-2016 ‘The Asset Triple A Treasur SMEs, Hong Kong 2016 ‘Trade and Risk Management Awards: Best in Treasury and Working Capital ~ ‘The Asian Banker Transaction Banking Awards: Best Payment Bank in Hong Kong 2016 Hong Kong Economic Times e-zone: The Best of SME e-banking Service Provider 2014 - 2016 % ‘SMB World: Best SMB Partner (e-Barking) 2013 - 2016Remittance and Capital Management Services Your cost effective management solution | of capital flow The Bank supports 16 remittance currencies through our extensive ramtance network covered around the world, offering speedy overseas Using the New RMB Global RemitExpress. your FMB remittances will quickly reach designated banks!" in mainland China or averseas through the most straightforward route, * To offer a speody remittance service, outward remittances conducted via online banking to beneficiary accaunts opened with Hang Sang Bank (China) will be credited within @ hours. Details: bankhangseng.com/1/2/ business/eash-management Business Integrated Account | Managing corporate account under one account number for greater flexibility * Consolidated Statement gives your company an at-a-glance summary of all transactions under your company’s saving (including HKD, RMB or foreign currencies), time deposits, statement gold, investment fund and securities aecounts, Self-service Cards, including Hang Seng Card and Debit Card, allow your company to deal with bank transactions at cifferent branches for ‘added convenience. Free "Chinese Correspondence Address Malling Service"! for efficient delivery of manthly statements and correspondences to your company’s Chinese correspondence address in Mainland China or Taiwan, Details: hangseng.comibs hangseng.com/upbiz: sot oS Trade Services* Minimising operation costs and risks ! Our professional trade team in Mainland and Hong Kong can provide customised trade financing services that suit your : éross-border trade and settlement needs * Through “Mainland Direct” trade services, Hong Kong Customers. ‘may submit the export bills prepared in Mainland China to branches ‘of Hang Seng Bank (China) Limited ("Hang Seng China’) in Guangzhou, Shenzhen, Dongguan, Ningbo or Shanghai for immediate processing Details: hangseng.comjtradeInvestment Services Multi-tools available to cater for your investment strategies ‘© Distributing several hundreds of investment funds, managed by Hang Seng Investment Management Limited and other fund companies. * Different transaction orders are available for trading of various securities and subscribing for structured products according to your investment needs, A choice of over 88 combinations of currencies available under Maxiinterest Investment Deposit for you to earn higher interest compared with that of general time deposit: Details: hangseng.com/business/investment Insurance Services Quality insurance coverage for your employees and assets © Through one-stop corporate insurance and HR solution', we provide extensive coverage for your business to motivate your employees and retain talents. * Comprehensive coverage, including keyman insurance protection, executive retention insurance plan, legacy planning insurance schemes, office protection plan, marine cargo insurance, motor insurance, and business ‘travel insurance, Details: hangseng.com/bizfinsurance Loan Services” Your solution for liquidity management Unsecured Business Loan amount of up to HK$2,000,000 is available. No collateral or financial reports are required) © SME Financing Guarantee Scheme (‘SFGS') provides: ‘maxmum aggregate credit facility amount of up to HIKS12,000,000. Guarantee coverage of 80% of the credit facilites is provided under the Special Concessionary Measures”. © Secured asset lending and SME Loan Guarantee Scheme are also available, Details: hangseng.com/sme/ioan Hotline: 2198 8022Convenient and Reliable Multi-service Channels Banking arrangements readily accessible no matter where you are, Digital Channels = With smart and user-friendly interface, our digital channels help you improve your ‘company’s operation efficiency. Our channels work on a great variety of digital devices, you can always reach us round the clock ‘+ Hang Seng Business Banking Mobile App" is a gateway to logon to Hang Seng Business Mobile Banking and Hang Seng HSBCnet Mobile to operate key financial functions in a secured and reliable online environment when you are fon the move. Functions like applying Business Loan” and making appointment with Business Banking Centres help you sticking to the latest market movement and promptly react to any opaortunity. ‘+ For full range of business Internet banking services”, you can simply logon to Hang Seng Business e-Banking or Hang Seng HSBCnet via your personal computer. You ean sit back, relax and have full control of your business finance. N + referer rcng™ and extra super are offered to you when performing designated banking services via Hang Seng Business e-Banking or Hang Seng Business Mobile Banking, including saving over 70% of transaction fee, preferential Time Deposit rate online ete, You can also enjoy the benefits and convenience of the latest technology by ‘making payment by Apple Pay with Hang Seng Commercial Card”. + You are also welcomed to visit hangseng.com/ousiness to check out our latest promotions and new banking services, Details: Hang Seng Business e-Banking: hangseng.com/business/e-Banking Hang Seng HSBGnet: hangseng,.com/hsbenet Hang Seng Business Mobile Banking: hangseng.combusinessmobile Hang Seng Business Banking Mobile App: Download by searching “Hang Seng Business Banking” at App Store or Google Play Web site: hangseng.com/business. 24-hour Business Partner Direct © Please contact us for any enquires about account opening, mortgages” and toans", trade finance” and bills, cash ‘management and RMB commercial services. = Hong Kong = Mainland 2188 8000 4001.20 8288 The service is ree of charge and can be accessed through mobite and fixed telephone lines. * You can also manage your accounts and make transfers with Phone Banking serviee. —Business Banking Centres * Located in prime commercial areas throughout Hong Kong, Our dedicated professionals are ready to provide advice based on your wealth management and business needs, Full range of business banking plans available to . ‘meet the banking needs of various industries, Business accounts Trade mts Mortgages and teans* Business Banking Centres Address Business Banking Centres ica fen oat 183 Quoers Rood Cota contra Wes SOSEO Tow 7198380 coseney8ay See seca ae 1SF, chia Overseas Bulan Wanchai oe ee es 902 102 Hankow Road Road, Tsim Sma Tosh Branches and Networks Business e-anking ane Prone Banking realstation ee Banking Centres branches and 24-hour automated banking centres, for maximum convenience. You can also drop in your trade throughout Hong Kong Details: hangseng.com > Branches and ATM Services coverage: + Business solution + Day-to-day service operations ined Trade visory services + Trae finance” + Cash management aaelel = Cheaue ane remittance application + RMB commercial barking + Corporate insurance and investment + Human resources and Mer ——————— Poca Address eens nee 9740 Unit 1902, 20, Crowe Centre Tas Yuen Ros, Kn Units 1002-1005, ve 10. 39 Lang Sum hvu ng Shu You can conduct various transactions at approximately 250 service outlets, including Hang Seng Bank branches, MTR cuments at specified Trade Documents Collection Points/Processing Centres locatedFast and Simple Account Opening Services * Commercial customers can make an appointment through the following channels at any time: = Make a call to your Customer Relationship Manager or to the 24-hour Business Partner Direct. = Visithangseng.comn/account_app to make an e-appcintent. * Or visit our Business Banking Centres. * Ifyou are in Mainland China, you could contact the Bank through the local witnessing arrangement available in various cities in the Mainland for account opening * Inorder to shorten your time at our Business Banking Centres, we sincerely advise you to mail the necessary decuments and forms for account opening to us before you make the visit. (For details, please refer to the following important information) * You will receive an array of fabulous welcome offers. * You will enjoy extra offersi“! if you are referred by designated companies. * Qur Business Banking Centres are situated in prime locations of ‘major business districts, offering every customer a convenient visit for account opening, * You will receive your Deposit Card, Business e-Banking’ PIN and security device, ATM card and its PIN plus Phone Banking PIN {if applicable} on the spot to gain access to our multi-channel banking ‘services upon approval of account opening, * For service charges regarding account opening, please visit hhangseng.com > Business > Service Charges. hen you agen to Business eBanking for theft te, you need to complete ne firstime registration with an Authetetion Cade sont via SMS tothe mobil number youregstares wines Important Information Account Opening Documents Eo PRE Companies hangseng.com > Business > Banking > Integrated Business Solutions Account > Checklist For Account Opening Information needed for Inward Remittance Beneilary Banks ee SWIFTCode | CHIPSHo” | Hang Seng Bank Limited 83 Des Voeux Road Central, HASEHKHH 010522 Hong Kong " Forremitarc rom USA please ase provise cur CHPS Ne, adn to your seount fermion an Hang Seng Bank Limited's SWIFT ead Useful Information ‘Tone Sr a} pane ae ones cerca Hong Kong Business e-Banking angseng.com > ¢- Services > Business e-Banki User Guide a ‘ 5 ca Hang Seng Mainiand Service Network hangseng.com.cn > Contact Us > Mainland Service NetworkAct now! FYB Download Hang Seng Business Mobile App Also, you may make an enquiry or open an account BESS) now to make an appointment with us through the following ways: por 24 sour Business Partner Direct ppstore ey Hone Kone 2198 8000 Mainland (Tol-tree)" + 4001 20 8288 Gel ploy attest onl eri i dear Goss it Business Banking Centres iinet and other cocnies-App Stores asemce mark sf Apple he. (Please visit hangseng.com/bbe for address) Online booking for account opening hangseng.com/account_app * To borrow or not to borrow? Borrow only if you can repay! Important Notice: Fr online Sesurtes and Investment Fund Series unser Business «-Banking, lease nts a mim daily int wil be applied to the tansactons of Securtios 5 Accounts. Primary User(s} may Sngly ve Instuctlons, enter int ansacton wth, and operate these Maxinterest investment Deposit isk Warning + Ths is structures preduct involving derivates. The investment decisions yours but you should nt investin the Moxhterest Investment Deposit uness trsinvestment objectives vestrs shoud asthe relevantinporcent Faste Statement, Terie and Conditions andriseaslosure statement betore making iealternstive + Earnings on the nominal interest payable. As she principal andthe earring wl be pad inthe Depesit Currency othe Liked witarawr Before maturity, esters wil alse ave to bear the costs Invlved. Such losses and costs may reduce te earnings ana the Upon request tothe stat of Hang Seng Bank Limite the "Bank + Thsproducts nota pro andi not protected by the Depos Protection Scheme in Hong Kong ducts subject to the credits of the Bank + Renmin (RMB) issues foreign exchange contol by 1 PRC government and thus investors investing in currency rskot jen and the mumbes (Q) Based onthe provslana estimate o Hong Kong Population aged 18 above in end 2015 released by Census and Statist Dep (2) Benefiary bank shouldbe a drei orincirelyparliipating bank ofthe Cross-Border nerbark Payment System {CIPS} for information about the beef bark please check with the benefclary or the beneisar Ban (9) The Bank wil send selected statements, advices and oter correspondences te the Chinese Correspondence Addres in Mainland Chins of Tabwan. For ing pat hangseng.com> Business» Forms Oownioad» Oter Account Services > Chinese Cores ‘Address Service "Documentary Gredt [0C} or transfered 2G on or etare 4:00pm rm Monday Friday excluding pubshalsys} wl be provessed onthe same 66. (5) “HR Solution’ sa brand new one-step service povided by Hang Seng Bank Limited, assisting indvidual companies to manage statf benef, (6) Subjecttoterms and conten, please visit angsengcomybitoan or etal. AT) Subject terms and sonations plese wit hangsengcomystgs or etal {81 For deta onthe ul service of Hang Seng Business e-Banking and Hang Seng HSBCrel please vl curwebsteworuhangtenacomfbusiness (10) The otters are subject to relevant lems and conditions, please Vt the corresponding promotion web page on hangsengcom ef reer to respecte prodietpromatina eset. For details, please reer to tho "Rates section under eur hangseng.com, 24-hour Business Partner Direct Mainland (Tle) allows you to contact us for fee even when staying i Mainland China. This hotline is applicable to ever enquires on commersat banking services ony but no enures/ansachons of investment related matters The aires hatline canbe accessed ftom moble tines, Tued telephone ines payphones and cl cards, Please rote that Hang Seng Bank Limits assumes no responsible for ear ges any (13) Subject totes and conden, please vst angstngcombusinesschntrer or deals U4) Terms andcondtions apply, please refer tothe eleral purine eft fr designated cempanis for deta Investment involves risks Prices of investment products may go up as well as down and may even Become valueless. Past Performance isnot Member HSBC Group ssrros