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Ng in relation thereto, it should obtain independent legal advice from its own lawyers. 1. The Applicant agrees that Hang Seng may, at its sole discretion and without reference to or consent from the Applicant, amend the terms and conditions of the Guarantee and/or insert additional terms and conditions into the Guarantee as Hang Seng thinks appropriate. Hang Seng may, subject to the consent of the beneficiary named in the Guarantee (the Beneficiary , which expression shall include any ass.

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