Terms and Conditions for Integrated Deposits Account and Standard Chartered MARVEL ATMCard Online Welcome Offer (the “Online Welcome Offer”)

Issued by Standard Chartered Bank (Hong Kong) Limited

1. The promotion period for the Online Welcome Offer is from 8 January 2018 to 29 March 2018, both dates inclusive (the "Promotion Period").

2. Clients who fulfill ALL of (i) – (ix) below within the Promotion Period may be eligible for the Online Welcome Offer (the "Eligible Clients"): (i) Submit an Online Application Form for Integrated Deposits Account (“IDA”) and Standard Chartered

Disney ATM Card (“Disney ATM Card”) at the website (sc.com/hk/IDADisney) designated by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) ("Online Application"); and

(ii) Successfully opened an IDA account at any branch of the Bank after the Online Application submission; (iii) Successfully registered as a Standard Chartered Online Banking client; and (iv) Successfully signed up for a Banking Plan (Priority Banking, Premium programme or Easy Banking); !"# (v) Deposit New Funds to the Bank within 2 weeks according to the New Funds Amount requirement as

shown in the table immediately below upon the Banking Plan sign-up (or any date informed by the Bank) to grow the Eligible Client’s Total Balance at the Bank. “Total Balance” includes the aggregate balance of deposits, investments and accumulated premiums of selected insurance under personal account as primary account holder. “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)), 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; and

Banking Plan signed up during the Promotion Period

New Funds Amount

Priority Banking HKD 1,000,000 or above Premium programme HKD 200,000 or above Easy Banking HKD 10,000 or above

(vi) Maintain the Total Balance at or above the New Funds Amount for at least 3 months until the corresponding date (“Designated Date”) as set out below (or any date informed by the Bank); and

Banking Plan sign up date (both dates inclusive)

Designated Date (Inclusive)

1 - 31 January 2018 30 April 2018 1 -28 February 2018 31 May 2018 1 – 31 March 2018 30 June 2018

(vii) Do not hold any Standard Chartered Bank (Hong Kong) Limited deposit account, including Savings Account(s), Current/ Cheque Account(s), Integrated Deposits Account(s) and Time Deposit Account(s), with the Bank in the past 12 months from the date of the Online Application submission ; and

(viii) Hold a valid Hong Kong Permanent Identity Card; and (ix) Successfully applied for a Disney ATM Card at any branch of the Bank after the Online Application

submission.

Issued by Standard Chartered Bank (Hong Kong) Limited

3. The Online Welcome Offer that an Eligible Client is entitled to will be determined by the Banking Plan to be signed up by the Eligible Client during the Promotion Period according to the following table. The newly opened IDA and subscription for the corresponding Banking Plan must remain unchanged and valid at the time when the offer described below is provided to the Eligible Client. Otherwise, the relevant offer will be forfeited absolutely.

Banking Plan signed up during the Promotion

Period Amount of Cash Rebate

Priority Banking HKD 300

Premium programme HKD 200

Easy Banking HKD 100

4. Each Eligible Client is entitled to the Online Welcome Offer once only during the Promotion Period. 5. The Cash Rebate is subject to the following terms and conditions:

(a) The relevant amount of cash rebate will be credited into a HKD deposit account (exclude MortgageOne® Account and Mortgage $aver Current Account) under the Eligible Client’s personal name as primary account holder with the Bank at the sole discretion of the Bank on or before 31 December 2018 in the following sequence: (i) Sub-account under IDA; (ii) Current/ Cheque Account; (iii) Statement Savings Account; (iv) Passbook Savings Account If an Eligible Client does not have a valid HKD deposit account, the Bank will credit the cash rebate to the Eligible Clients’ USD deposit account at an exchange rate as determined by the Bank as above sequence (For joint name account, only if the Eligible Client is the primary account holder will be entitled to the offer).

(b) If an Eligible Client does not have a valid IDA / HKD or USD Savings Account / HKD or USD Current Account on the date when the cash rebate is credited, the relevant offer shall be forfeited absolutely and shall not be paid to the Eligible Client through any other means.

6. In the event that an Eligible Client is also entitled to other prevailing promotional offer(s) or deposit privilege(s), the Bank reserves the right to provide only one or some of the offer(s) and/or privilege(s) at its absolute discretion. For the avoidance of doubt, clients who are eligible for the Online Welcome Offer will not be eligible for other deposits account online welcome offers, including but not limited to Marathon Savings Account Cash Rebate Online Welcome Offer. Eligible Client who is entitled to the Sign Up Offer for Corporate Partners Program/ Employee Banking Program/ Salary BonusPack, the Integrated Deposit Account Asia MilesTM Reward Online Welcome Offer or the IDA Cash Rebate Online Welcome Offer will not be eligible for the Online Welcome Offer.

7. Separate terms and conditions apply to (i) the Banking Plan and (ii) the MARVEL ATM Card. For details, please refer to relevant terms and conditions or contact any of the Bank’s staff at the Bank’s branches. Each of the banking products or services set out in the terms and conditions is subject to the relevant eligibility, application process and product terms and conditions.

8. The Bank reserves the right to vary, modify and terminate the above offer and to amend any of these terms and conditions at any time without any notice. In case of disputes, the decision of the Bank shall be final and binding.

Issued by Standard Chartered Bank (Hong Kong) Limited

9. If there is any inconsistency or conflict between the English version and its Chinese translation, the English version shall prevail.