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「Fun Plus」Rewards Scheme

「Fun Plus」Rewards Scheme

Brings You a Journey Full of Rewards

ENTER
In addition to grow your wealth further, we offer superior rewards to enrich your life to the fullest. With our 「Fun Plus」 Rewards Scheme, you can redeem fabulous rewards more quickly by earning bonus points through diversified channels. As our valued PREMIER SELECT / PREMIER BANKING customer, you can also redeem rewards with up to 25% redemption discount.

“Hot Seasonal Picks” Rewards for this Season

Arome Gift Voucher HKD50

As low as 5,000 Points

Starbucks Card Valued HKD50

As low as 5,000 Points

Remarks: The redemption period of the above “Hot Seasonal Picks” gift items is from now till June 30, 2018, and gift items are subject to availability, first-come-first-served while stock lasts. The products/services are provided by the relevant merchant(s) and are subject to relevant conditions, the Bank shall have no liability in any respect. The Arome Gift Voucher is only applicable to all Arome Bakery shops in Hong Kong. The above photos are for reference only.

Earn Bonus Points via Diversified Banking Services

Simply use the below designated banking products or services as listed to earn bonus points and redeem fabulous rewards:

Time deposit

Value Added Payroll Service

General Banking Services

Investment Products

Life Insurance

General Insurance

You can also enjoy Double Bonus Points during your birthday month to get double happiness.

Redemption Rewards

Accumulated Bonus Points can be used to redeem:

  • Cash coupons
  • “Hot Seasonal Picks” Rewards*
  • CCB (Asia) Credit Card Bonus Points
  • Rebate for designated investment / insurance transaction fee
registration at branch is required and is only applicable to Packaged Banking Customers

*“Hot Seasonal Picks” will be launched in different period and subject to availability. Please visit Online Banking for the latest rewards catalog.

Important Notes:

Some mutual funds and bonds may involve derivatives. FX linked deposits, structured notes and structured equity-linked products are structured products involving derivatives. FX options are derivatives products. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Insurance products and Investment products including FX linked deposits, FX options, and certificates of deposit are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment products are not principal-protected except that some FX linked deposits are principal-protected conditionally.

Scheme Rewards Table1

With our「Fun Plus」Rewards Scheme, simply use designated banking products or services to earn bonus points and redeem fabulous rewards.

Important Notes:

Some mutual funds and bonds may involve derivatives. FX linked deposits, structured notes and structured equity-linked products are structured products involving derivatives. FX options are derivatives products. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Insurance products and Investment products including FX linked deposits, FX options, and certificates of deposit are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment products are not principal-protected except that some FX linked deposits are principal-protected conditionally.

Transaction Type2 Reward Requirement3 Bonus Points Rewards
Packaged Banking Customers Online Banking Customers5
Time Deposit Placement with new funds4


(tenor ≥ 1 month)
Every HKD100,000 of transaction amount 100 Points
Transaction Type2 Reward Requirement3 Bonus Points Rewards
Packaged Banking Customers Online Banking Customers5
Outward Remittance through Telegraphic Transfer Every transaction 200 Points
Foreign Currency Trading
(foreign exchange via account transfer)
Every HKD10,000 of transaction amount 100 Points
Online Bill Payment Every 2 transactions of different merchants 100 Points
(maximum 200 Points per month)
eDeposit Every 2 transactions 100 Points
(maximum 200 Points per month)
Transaction Type2 Reward Requirement3 Bonus Points Rewards
Packaged Banking Customers Online Banking Customers5
Mutual Fund Subscription
(subscription fee ≥ 1.5%) Every HKD2,500 of transaction amount 100 Points
Securities Trading

(commission rate ≥ 0.18%)
Every HKD20,000 of transaction amount 100 Points
FX Linked Deposit Placement
(tenor ≥ 14 days)
Currency Switching 100 Points Not Applicable
Structured Notes Subscription
Structured Equity-Linked Product Subscription
Bond / Certificate of Deposit Secondary Market Trading
FX Option Trading Every HKD200,000 of transaction amount 100 Points Not Applicable
FX Margin Trading
Transaction Type2 Reward Requirement3 Bonus Points Rewards
Packaged Banking Customers Online Banking Customers5
Life Insurance with Annual Premium (applicable for first year of the policy and including riders) Every HKD1,500 of premium amount 100 Points Not Applicable
Life Insurance with Single Premium / Dump in
Transaction Type2 Reward Requirement3 Bonus Points Rewards
Packaged Banking Customers Online Banking Customers5
Travel Insurance Every HKD150 of premium amount 100 Points
Domestic Helper Insurance 100 Points Not Applicable
Home Contents Insurance
Transaction Type2 Reward Requirement3 Bonus Points Rewards
Packaged Banking Customers Online Banking Customers5
Payroll Transaction Every transaction 100 Points
(maximum 200 Points per month)
RMB Auto-Exchange Instruction under the HKD/RMB Exchange Plan Every transaction 100 Points

(maximum 100 Points per month)

Monthly average balance of HKD Payroll Account

‧HKD20,000 to HKD200,000

‧Above HKD200,000 to HKD1,000,000

‧Above HKD1,000,000 to HKD3,000,000

Every HKD20,000 balance

‧200 Points

‧400 Points

‧600 Points

Notes:
  1. The above reward requirement and bonus points reward are designated by the Bank from time to time and are subject to change without prior notice. Please visit our Bank's website for the latest scheme rewards table. The scheme is bounded by the "Terms and Conditions for 「Fun Plus」Rewards Scheme" and cannot be enjoyed in conjunction with exceptional pricing discounts or other promotional offers. Investment involves risks.
  2. Transactions cannot be accumulated for calculating bonus points rewards. In case of a joint account of the above transaction types, one of the account holders shall be appointed as nominee to earn Bonus Points, redeem and collect the rewards. Otherwise, all Bonus Points for transactions of the joint account will be awarded to one of the joint account holders at the bank's discretion.
  3. Bonus points are earned by every transaction and transactions cannot be accumulated to calculate Bonus Points rewards.
  4. Only applicable to New Time Deposit placement with new fund and not applicable to time deposit renewals.
  5. Online Banking Customers are only entitled to Bonus Points by effecting the eligible transaction (if applicable) through Online Banking or Mobile Banking of the Bank (except Payroll Service).
Packaged Banking customer can enjoy exclusive redemption discount and can redeem fabulous rewards more quickly, including cash coupons, Credit Card Bonus Points and special gifts from "Hot Seasonal Picks”.
Rebate for Designated Transaction Fee Other Redemption Items
100 Points = HKD 1 up to 25% discount
“Hot Seasonal Picks” Rewards for this Season
Arome Gift Voucher HKD50
5,000 Points
Starbucks Card Valued HKD50
5,000 Points
Others
CCB (Asia) Credit Card 5,000 Bonus Points
2,000 Points
PARKnSHOP HKD 50 Gift Coupon
5,000 Points
SOGO Gift Certificate
HKD 100
10,000 Points
city'super HKD 100 Shopping Voucher
10,000 Points
Rebate for Designated Transaction Fee Other Redemption Items
100 Points = HKD 0.85 up to 12% discount
“Hot Seasonal Picks” Rewards for this Season
Arome Gift Voucher HKD50
5,800 Points
Starbucks Card Valued HKD50
5,800 Points
Others
CCB (Asia) Credit Card 5,000 Bonus Points
2,300 Points
PARKnSHOP HKD 50 Gift Coupon
5,800 Points
SOGO Gift Certificate
HKD 100
11,700 Points
city'super HKD 100 Shopping Voucher
11,700 Points
Rebate for Designated Transaction Fee Other Redemption Items
100 Points = HKD 0.75 up to 5% discount
“Hot Seasonal Picks” Rewards for this Season
Arome Gift Voucher HKD50
6,300 Points
Starbucks Card Valued HKD50
6,300 Points
Others
CCB (Asia) Credit Card 5,000 Bonus Points
2,500 Points
PARKnSHOP HKD 50 Gift Coupon
6,300 Points
SOGO Gift Certificate
HKD 100
12,700 Points
“Hot Seasonal Picks” Rewards for this Season
Arome Gift Voucher HKD50
6,600 Points
Starbucks Card Valued HKD50
6,600 Points
Others
CCB (Asia) Credit Card 5,000 Bonus Points
2,600 Points
PARKnSHOP HKD 50 Gift Coupon
6,600 Points
* The value of Bonus Point would be based on the number of years the customer has joined PREMIER BANKING as at the redemption date.
Remarks:
  1. The redemption requirement is varied from different customer types and is for reference only, please contact our branch staff or visit Online Banking for the latest available redemption rewards and redemption requirement.
  2. The redemption period of the above “Hot Seasonal Picks” gift items is from now till June 30, 2018, and gift items are subject to availability, first-come-first-served while stock lasts. The products/services are provided by the relevant merchant(s) and are subject to relevant conditions, the Bank shall have no liability in any respect. The Arome Gift Voucher is only applicable to all Arome Bakery shops in Hong Kong. The above photos are for reference only.

Important Notes:

Some mutual funds and bonds may involve derivatives. FX linked deposits, structured notes and structured equity-linked products are structured products involving derivatives. FX options are derivatives products. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Insurance products and Investment products including FX linked deposits, FX options, and certificates of deposit are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment products are not principal-protected except that some FX linked deposits are principal-protected conditionally.

You can redeem below fabulous rewards through diversified channels
  • Online Banking

  • PREMIER SELECT / PREMIER BANKING / WISE BANKING Hotline

  • Branch

Exising Online Banking customers

Logon to Online Banking to redeem rewards

Non Online Banking customers

Please call our Bank By Phone hotline
277 95533
to sign up Online Banking

Remarks: Redemption at branch or through hotline is only applicable to Packaged Banking customers.

Friendly Reminder:

The bonus points of 「Fun Plus」Rewards Scheme cannot be used to redeem Credit Card rewards directly. Likewise, Credit Card Bonus Points also cannot be used to redeem the above rewards.

Important Notes:

Some mutual funds and bonds may involve derivatives. FX linked deposits, structured notes and structured equity-linked products are structured products involving derivatives. FX options are derivatives products. The investment decision is yours but you should not invest in an investment product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Insurance products and Investment products including FX linked deposits, FX options, and certificates of deposit are not equivalent to or alternative of time deposits. They are not protected deposits, and are not protected by the Deposit Protection Scheme in Hong Kong. Investment products are not principal-protected except that some FX linked deposits are principal-protected conditionally.

Offers and services are bound by related terms and conditions, please refer the terms and conditions below for details.

Terms and Conditions

Terms and Conditions for 「Fun Plus」Rewards Scheme (the “Terms and Conditions”)

  1. Scheme
    1. (a) These Terms and Conditions are applicable to
      1. Customer who has successfully joined PREMIER SELECT / PREMIER BANKING / WISE BANKING services (collectively known as the “Packaged Banking Service”) provided by China Construction Bank (Asia) Corporation Limited (the “Bank”) (“Packaged Banking Customer(s)”); or
      2. Customer who has successfully registered the Online Personal Banking Service of the Bank and maintains any banking product and service (excluding credit card account) with the Bank (“Online Banking Customer(s)”).
      The customers defined in (i) and (ii) above are collectively known as “Customer(s)”.
    2. (b)These Terms and Conditions and the Scheme is effective from March 1, 2015.
    3. (c)Under the Scheme, Packaged Banking Customers are entitled to Bonus Point(s) (“Bonus Point(s)”) by using designated general banking service and/or effecting investment transactions and/or Value Added Payroll Service (the “Payroll Service”) and/or successfully applying designated life/general insurance policies with the Bank or such other banking services as the Bank may specify from time to time (the “Eligible Banking Services”) through any channels. While Online Banking Customers are only entitled to Bonus Points by effecting the Eligible Banking Services (if applicable) through Online Banking or Mobile Banking of the Bank, and there is no channel limitation for Payroll Service.
    4. (d) Eligible Banking Services including:
      Categories Eligible Banking Services
      General Banking Service
      • Outward Remittance through Telegraphic Transfer
      • Time Deposit Placement with new funds and deposit tenor of 1 month or above, except time deposit renewals
      • Foreign Currency Trading, applicable to foreign exchange via Customer’s account transfer
      • eDeposit
      • Online Bill Payment
      Investment
      • Securities Trading (including HKD or RMB denominated stocks) with brokerage commission equal to or higher than 0.18%, except IPO subscription 
      • FX Linked Deposit Placement with deposit tenor of 14 days or above, except swap deposit (or other deposit as updated by the Bank by time to time)
      • Currency Switching
      • Structured Notes Subscription
      • Structured Equity-Linked Product Subscription
      • Bond / Certificate of Deposit Secondary Market Trading
      • Mutual Fund Subscription with subscription fee equal to or higher than 1.5%, not applicable to fund switching transactions within the same fund management company
      • FX Option Trading and the transaction will not double count as FX Margin Trading for earning Bonus Points
      • FX Margin Trading, not applicable to rolled-over contracts
      Payroll Service
      • Payroll transaction 
      • RMB auto-exchange instruction under the HKD/RMB Exchange Plan
      • Monthly average balance of HKD Payroll Account (not applicable if the Payroll Account is changed or cancelled during a month)
      Customer will not be able to enjoy any Bonus Points for the month if there is no eligible payroll transaction during the month. For the criteria for the Payroll Service, please refer to the Terms and Conditions for Value Added Payroll Service of the Bank.
      Life Insurance* successful application of designated life insurance plans (except investment-linked life insurance plan), including life insurance plans with (i) annual premium (applicable to the first year of the policy and including riders) or (ii) single premium / dump in
      General Insurance* successful application of designated (i) travel insurance plan, (ii) domestic helper insurance plan or (iii) home contents insurance plan, and domestic helper and home contents insurance plans are only applicable to Packaged Banking Customer under the Scheme
      *For the premium amount of applied Life Insurance and General Insurance as designated above for the Scheme, the relevant insurance company(ies)’s record shall prevail and the Bank takes no responsibility to its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance of such amount.
  2. Bonus Points
    1. (a)Bonus Points will be awarded in accordance with the transaction amount or frequency for each successfully completed and/or executed transaction or monthly average balance of account (“Transaction”) effected through Eligible Banking Services. 
    2. (b)Customers can redeem cash rebate for the transaction fees for designated investment/insurance transactions (“Cash Rebate”), gifts, vouchers, CCB (Asia) Credit Card Bonus Points (“Credit Card Bonus Points”) or other rewards as designated by the Bank from time to time with the Bonus Points (collectively, the “Rewards”). Bonus Points awarded to Customers are not transferable. Cash Rebate is only applicable to Packaged Banking Customers.
    3. (c)Customer can refer to the bonus points scheme rewards table (‘Bonus Points Table”) published by the Bank from time to time for the updated information on Bonus Points to be entitled, redemption discount, cash value and Rewards redemption requirement.
    4. (d)Unless otherwise specified, Bonus Points earned from September 1st of the previous year to August 31st of the current year (if applicable) are valid until the end of the current calendar year (i.e. December 31st ) (the “Expiry Date”). Any unused Bonus Points will expire and be cancelled automatically without notice at the close of business on the Expiry Date. All Bonus Points earned will be forfeited and cancelled without prior notice upon termination or cancellation (for any reasons) of Packaged Banking Service / Online Banking Service.
    5. (e)The Bonus Points accumulated and available for redemption by a Customer will be updated by the Bank regularly according to the Transactions made by the Customer, and the respective information will be shown in the Customer’s consolidated portfolio statement and/or could be checked via Online Banking. 
    6. (f)Joint account holders are required to complete a prescribed form to appoint one of the joint account holders as nominee and the nominee is authorized to the redemption of and collection of Rewards (“Nominee”). Bonus Points earned from the Transactions for the Joint Account will be calculated and credited into the Joint account. Application for redeeming Rewards by Bonus Points should be made by completing the form as provided by the Bank from time to time and executed by the Nominee. If no Nominee has been appointed, all the Bonus Points earned from the Transactions for the joint account will be awarded to one of the joint account holders at the Bank’s discretion. 
    7. (g)For company account (not applicable for Online Banking Customers), it is required to complete a prescribed form to appoint a person who is authorized to the redemption and the collection of the Reward(s) (“Authorized Person”). Application for redeeming Rewards by Bonus Points should be made by completing the form as provided by the Bank from time to time and executed by the Authorized Person. 
    8. (h)Double Bonus Points will be awarded to the Transactions made in the Customer’s birthday month. For Transactions made under joint accounts, the double Bonus Point will only be offered in Nominee’s birthday month (“Birthday Double Rewards”). The Birthday Double Rewards are not applicable to Transactions in relation to Payroll Service and company account. 
    9. (i)The total Bonus Points earned per Customer will be capped at 5,000,000 annually.
    10. (j)No Bonus Point will be granted for the Transaction executed or completed by the Customers before the commencement date of the Scheme.
    11. (k)Unless otherwise specified, the calculation of Bonus Points will be based on the Transaction amount in Hong Kong dollar equivalent or other specified currency. The currency conversion will be based on the exchange rate of the Transaction date or the date of calculating the Bonus Points as determined by the Bank. 
    12. (l)Bonus Points earned by Customers are on account basis. If Customers maintaining more than one account with the Bank, Customers cannot consolidate the Transactions through different accounts in calculating Bonus Points. Bonus Points earned under different accounts of the Customers may, however, be consolidated for the Rewards redemption.
    13. (m)The Rewards redemption (exclude Cash Rebate) discount rate or respective cash values of each Bonus Point earned by Customer are determined at the time of the Rewards redemption, according to the Packaged Banking Service status of Customer and the number of years the Customer has joined PREMIER BANKING (if applicable) as at the redemption date. 
  3. Rewards Redemption (Not Applicable to Cash Rebate)
    1. (a)An application for the Rewards redemption (“Application”) is irrevocable and may not be changed once it is accepted by the Bank. Customers are required to redeem the Rewards by Bonus Points according the procedures as prescribed by the Bank (or as notified to the Customers by the Bank from time to time). Any Application for which insufficient Bonus Points are held will be automatically rejected. 
    2. (b)The Bank reserves the right to reject any Application if the Customer’s account for the execution of the Transactions is cancelled or not in a normal and active status as according to the Bank's records. The Bank also reserves the right to reject any Application if the Customer has been in breach of his/her obligations in relation to the use of the relevant banking services.
    3. (c)Bonus Points which has expired cannot be used to redeem Rewards and will not be replaced by the Bank. In no circumstances will a Customer be allowed to redeem cash by Bonus Points, except the Cash Rebate to pay for the transaction fees for designated investment/insurance transactions with the Bank.
    4. (d)Credit Card Bonus Points is only applicable to Customer who is principal cardmember of any valid credit cards issued by the Bank (“Credit Card(s)”), if Customer held multiple Credit Cards, Customer can select the respective Credit Card account for the Credit Card Bonus Points at the time of successful redemption. Customer is also bound by relevant Terms & Conditions of “Bonus Points Reward Program” of Credit Cards.
    5. (e)If the reward is gift or voucher, the reward or redemption notification letter (“Notification Letter”) will be mailed to the Customer’s corresponding address maintained with the Bank approximately 6 to 8 weeks from the receipt of successful Application. Customers can also collect the Rewards with the Notification Letter (if applicable) at the Branch as specified in the Application or redemption location as mentioned on the Notification Letter. The collection methods available for selection by Customers are based on the selected Rewards and determined by the Bank from time to time. In case of loss or damage of the reward or Notification Letter, including any lost in transit, the Bank will not replace under any circumstances. The Bank shall not be liable for any failure of delivery as a result of invalid or inaccurate address provided by the customer in the Bank’s record and the reward or Notification Letter will not be re-issued in that circumstance. The Bank is not obliged to provide or procure any free delivery service or otherwise. If Customer does not collect the reward within the period specified on the Notification Letter, it is deemed that the reward is forfeited and the Bonus Points deducted will not be returned. The Bank may request Customers or any person authorized by the Customers to collect the Rewards to provide the Notification Letter, proof of identity and authorization for the purpose of Rewards redemption.
    6. (f)If the reward is Credit Card Bonus Points, the Credit Card Bonus Points will be credited to the selected valid Credit Card account in 1 to 2 weeks from the receipt of successful Application. If the Credit Card Bonus Points cannot be posted due to the invalid of selected Credit Card account (for any reason) after the Application, the Bonus Points deducted will not be returned and the Bank shall not be responsible for any claims in relation.
  4. Rewards and the Bank's Responsibility (Not Applicable to Cash Rebate and Credit Card Bonus Points)
    1. (a)All Rewards are subject to availability and will be provided for redemption on a first-come-first-served basis. The Bank may substitute another item of similar value without prior notice in case of non-availability.
    2. (b)The Bank may at its sole discretion prescribe the available Rewards to Customers, the type of reward, redemption method and any conditions for redemption under the Scheme, including but not limit to the available period of Rewards.
    3. (c)Rewards under the Scheme may be provided to a Customer directly by any person other than the Bank (the “Supplier”) or supplied by any Supplier to the Bank for provision to the Customer.
    4. (d)The Rewards may be subject to any conditions prescribed by respective Supplier. A Customer has to address and/or resolve any comment, claim, complaint or dispute concerning such Reward (whether concerning availability, quality or quantity) to and with the respective Supplier who had provided or supplied such Reward direct.
    5. (e)The Bank should not be responsible for any kind or nature of liability in relation to any reward provided or supplied by Supplier. The Bank does not endorse, provide any guarantee or assurance relating to any Supplier or any reward provided or supplied by any Supplier. Any information or materials about any Supplier or any reward provided or supplied by any Supplier shall not be regarded as representations or assurance given by the Bank in relation to the respective Supplier or Rewards, and the Bank has no duty to investigate or verify the accuracy or completeness of such information, materials or the quality of the Rewards.
    6. (f)The Bank should not be responsible for lost, stolen, damaged or defected Rewards redeemed through the Scheme.
  5. Cash Rebate Plan (only applicable to Packaged Banking Customers)
    1. (a)Packaged Banking Customers are allowed to register the Cash Rebate Plan for monthly Bonus Points redemption for cash rebate to settle the transaction fees for designated investment/insurance transaction or other transaction fees determined by the Bank from time to time (“Cash Rebate Plan”), If Packaged Banking Customers would register or cancel the Cash Rebate Plan, they can apply at any branch of the Bank.
    2. (b)The maximum monthly Cash Rebate amount will be the lower of (i) the cash value of the Packaged Banking Customer’s Bonus Point balance under the Scheme or (ii) the aggregate transaction fees of designated investment/insurance transaction paid by the Packaged Banking Customer in the previous month (the “Maximum Rebate”). The Bonus Points (nearest integral number) required will be deducted for the redemption of the Maximum Rebate, but under no circumstances will the cash value of the respective Bonus Points be larger than the Maximum Rebate. 
    3. (c)The Bank will credit the Cash Rebate in relation to the Scheme to the Packaged Banking Customer’s designated account on the tenth day of each month (“Rebate Day”), and the required Bonus Points will be automatically deducted. If the Rebate Day is on a Sunday or a public holiday, the Cash Rebate (if applicable) will be credited to the designated account on the following business day.
  6. Modification and General Terms
    1. (a) The Bank reserves the right to modify the Bonus Points to be entitled and the use of Bonus Points under the Scheme, including but not limit to
      1. Eligible Banking Services, Transaction requirement and the quantity of Bonus Points to be entitled for each Transaction ; 
      2. the maximum cap of the Bonus Points to be entitled for each Customer;
      3. the Rewards available for redemption and the quantity of Bonus Points required for redeeming the respective Rewards ;
      4. the Expiry Date of Bonus Points awarded to the Customers
      5. the respective redemption discount or cash value of each Bonus Point
      Customers will be notified for the respective changes through consolidated portfolio statement, the Bank’s website or other means the Bank deems appropriate. If Customer is using Packaged Banking Service/Online Banking Service at the time of the effective date of the modification, Customer is deemed to have accepted the respective modifications and shall be bound by them.
    2. (b)The Scheme cannot be used in conjunction with exceptional pricing or other promotion offers. In case of any dispute on the computation of Bonus Points, calculation of accumulated and redeemed Bonus Points, the decision of the Bank shall be final and prevail.
    3. (c)The Bank reserves the right to suspend, modify or terminate the Scheme and has the final decision in all matters and disputes in relation to the Scheme.
    4. (d)The English version of the Scheme is the governing version and shall prevail if there is any discrepancy between the English version and the Chinese version.

Risk Disclosure

Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this webpage alone. Before making any investment decision, customers must consult their own independent financial advisors and read the relevant offering documents for further details including the risk factors in order to ensure that they fully understand the risks associated with the investment products.

Securities Trading

It is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.

Securities Margin Trading

If a client maintains a margin account with the Bank, the risk of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client's cash and any other assets deposited as collateral with the Bank. Market conditions may make it impossible to execute contingent orders, such as“stop-loss” or“stop-limit”orders. The client may be called upon at short notice to make additional margin deposits or interest payment. If the required margin deposits or interest payments are not made within the prescribed time, the client's securities collateral may be liquidated without the client's consent. Moreover, the client will remain liable for any resulting deficit in the client's account and interest charged on the client's account. The client should therefore carefully consider whether such a financing arrangement is suitable in light of the client's own financial position and investment objectives.

Shanghai-Hong Kong Stock Connect/ Shenzhen-Hong Kong Stock Connect

Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect are not covered by Hong Kong's Investor Compensation Fund. They involve risks of quotas used up, difference in trading day, restrictions on selling imposed by front-end monitoring, recalling of eligible stocks, and mainland market risks.

FX Linked Deposit

The FX Linked Deposit is an unlisted investment product and subject to the credit and insolvency risk of the Bank. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. Exchange rates are affected by a wide range of factors, including international finance, economics, politics, central banks and other bodies intervention and natural events, and may rise or fall rapidly. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. While some FX Linked Deposit types are principal-protected conditionally, others are not principal-protected. The FX Linked Deposit is not the same as investing in its linked currency. It is not protected by the Investor Compensation Fund. If the FX Linked Deposit is approved by the Bank to be withdrawn before its maturity, the customer may also need to bear the costs involved which may reduce the return and the principal amount of the FX Linked Deposit he may get back. There is no secondary market for the FX Linked Deposit and it is not collateralized. The Bank can early terminate the FX Linked Deposit.

Currency Switching

Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions, political and natural events. The effect of normal market forces may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and prices linked to such rates, may rise or fall rapidly. 

Structured Notes

Investment in structured notes involves substantial risks including market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured notes. Customers should recognize that their structured notes may mature worthless. While the maximum return on a structured note is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying reference asset value moves substantially against the investor’s view.

Structured Equity-Linked Products

Investment in structured equity-linked products involves substantial risks including market risks, liquidity risks, risks relating to changes in market conditions, counterparty risks, and the risks that the issuer(s) will be unable to satisfy its obligations under the structured equity-linked products. Customers should recognize that their structured equity-linked products may mature worthless. While the maximum return on a structured equity-linked product is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying stock price moves substantially against the investor’s view.

Bond / Certificate of Deposit Trading

There is no 100% guarantee of positive return but loss may be incurred. There is a risk that the bond/ certificate of deposit issuer fails to promptly pay the client the interest or principal if a credit event or default occurs on the bond/ certificate of deposit issuer. Investing in emerging markets bonds involves special consideration and higher risks, such as greater price volatility, less developed regulatory and legal framework, economic, social and political instability, etc.

Mutual Fund Investment

The past performance of a mutual fund is not a guide to its future performance and yields are not guaranteed. Customers could lose some or all of the principal amount invested. Funds are not obligations of, or guaranteed by, the Bank or any of its affiliates. The Bank will normally be paid a commission or rebate by the fund manager.

FX Option Trading

FX options are not principal-protected and are unlisted. There may not be an active or liquid secondary market. They are subject to the credit and insolvency risks of the Bank. If the Bank becomes insolvent or defaults on its obligations under this product, customers can only claim as an unsecured creditor of the Bank. Investing in FX options is not the same as investing in the reference currencies. FX options are not covered by the Investor Compensation Fund and may be early terminated by the Bank. The risk of loss in FX option trading can be substantial. Customers may sustain losses in excess of their initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. A customer may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, the customer’s position may be liquidated. The customer will remain liable for any resulting deficit in the customer’s account. Customers should therefore carefully consider whether such trading is suitable in light of their own financial position and investment objectives. The maximum potential loss for an option seller is theoretically unlimited if the market movement is unfavorable to his position. Exchange rates are affected by a wide range of factors, including international finance, economics, politics, central banks and other bodies intervention and natural events, and may rise or fall rapidly.

FX Margin Trading

The risk of loss in FX margin trading can be substantial. Customers may sustain losses in excess of their initial margin funds. Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. A customer may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, the customer’s position may be liquidated. The customer will remain liable for any resulting deficit in the customer’s account. Customers should therefore carefully consider whether such trading is suitable in light of their own financial position and investment objectives. Currency exchange rates are affected by a wide range of factors, including national and international financial and economic conditions and political and natural events. The effect of normal market force may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and price linked to such rates, may rise or fall rapidly.

Insurance

Customers should read and understand the details of the insurance plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure the insurance products meet their personal needs. Specific details, terms and conditions applicable to insurance products are set out in respective insurance policies to be issued by the relevant insurance companies. For life insurance products, an insurance plan may comprise savings element. Part of the premium pays for the insurance and related costs. If a customer is not happy with the customer’s policy, the customer has a right to cancel it within the cooling off period and obtain a refund of any premiums paid. A written notice signed by the customer should be received by the insurer's Hong Kong Main Office within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing the customer or the customer’s representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if the customer cancels the policy before the end of the term, the projected total cash value may be less than the total premium the customer has paid.

Online Investment Trading Services

Due to unpredictable network traffic congestion and other reasons, the Internet and other electronic media may not be reliable media of communication and transactions conducted over the Internet and via other electronic media are subject to: possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and possible failure or delay of execution or execution at prices different from those prevailing at the time when your instructions were given. There are risks associated with the online investment trading system, including the failure of hardware and/or software, and the result of any such system failure may be that your orders are either not executed according to your instructions or are not executed at all. There are risks of interruption, distortion, omission, blackout or interception during the transmission of instructions for any or all transactions in investment products, as well as of any misunderstanding or errors in communication.

Disclaimer

The Bank is an agent of the insurance company and the product is a product of the insurance company but not the Bank; and in respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly between the insurance company and the customer. This webpage does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. This webpage, the FX linked deposits and FX options abovementioned are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent under the Insurance Companies Ordinance and a Registered Institution (CE No. AAC155) under the Securities and Futures Ordinance to carry on Type 1 (Dealing in Securities) and Type 4 (Advising on Securities) Regulated Activities. This webpage has not been reviewed by any regulatory authorities in Hong Kong.