Important Notes:
  • Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
  • Securities Margin Trading involves significant risk and losses may exceed the value of your collateral.
  • Some mutual funds and bonds may involve derivatives. Structured equity-linked products and FX linked deposits 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 and FX options, 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. Some FX linked deposits and FX options are not principal-protected while some FX linked deposits are principal-protected conditionally.
Exclusive Rewards of Premier Select Customer
     
  Enjoy Extraordinary Banking Privileges and Showcase your Prestigious Status as our Honored Premier Select Customer.

CCB (Asia) is delighted to present you prestigious banking services. We strive to offer you with intimate living and banking privileges to ensure you an esteemed lifestyle and a competitive financial edge.
 
Preferential Brokerage Commission at 0.1% Extraordinary Birthday Privileges1 "Fun Plus" Reward Scheme
All new and existing PREMIER SELECT customers can enjoy a preferential brokerage commission at 0.1% for buy & sell eligible securities transactions via automated channels. Meanwhile, you can also enjoy「Fun Plus」reward to earn banking bonus points at the same time, helps you to redeem fabulous rewards more quickly by earning bonus points in an easier way! We strive to offer you the extraordinary birthday privileges by different themes.
  • Travel theme - Airport limousine pick up service; or
  • Restaurant theme - 5-star hotel dining offer
  • Bonus theme - Special bonus interest rate of 3.6% p.a. for Time Deposit (capped at HKD100,000)
PREMIER SELECT customer can enjoy exclusive 25% off redemption discount and can redeem fabulous rewards more quickly, including cash coupons and Credit Card Bonus Points.

Simply use designated products or services to earn bonus points and redeem fabulous rewards.
  • Time Deposit
  • Value Added Payroll Service
  • Life Insurance
  • General Insurance
  • General Banking Service
  • Investment Products
Double Bonus Points will be awarded to the Transactions made in the Customer’s birthday month.
    Click here for details
 
 
Other Privileges
  • Preferential foreign currency exchange rate
  • Preferential time deposit interest rate
  • Discount on Mutual Fund subscription fee up to 2.25% off
  • Up to 30% off on designated General Insurance products
  • A range of banking service fee waivers and special discounts
 
  Note: All the above services and privileges are subject to terms and conditions, please click here to read the relevant terms and conditions or contact our staff for details.
 
Welcome Rewards2
From now until September 30, 2017, use PREMIER SELECT services can enjoy the following offers:

Welcome Rewards
New customers3 can enjoy HK$4,000 welcome reward, existing customers can enjoy HK$2,500 welcome reward.

Usage Rewards
Conduct New Transactions of Designated Services4 in designated aggregated transaction amounts within first 3 months to enjoy up to HK$3,000 cash reward.

Bonus Interest Rate
New customers3 who maintained the average balance with New Funds of HKD100,000 or above in the designated HKD Savings account within Designated Deposit Period can enjoy Bonus Interest Rate up to 1.18%5 p.a.!

Remarkable Monthly Privilege Offer
Simply make 6 eligible transactions6 including transfer, transaction or bill payment in any Savings / Checking account within a calendar month, to enjoy a Pacific Coffee e-cash coffee voucher (valued at HKD25)7. Customers can earn an extra HK$200 cash reward if they reach the 6-transaction target in 6 consecutive calendar months!

Other Banking Products and Services Rewards
Credit Card Rewards: Apply for any of our credit cards and submit all required documents to earn HK$100 cash reward8.

Direct Debit Authorization Rewards: Set up Direct Debit Authorization through our bank account to earn up to HK$200 cash reward9.

UnionPay Dual Currency Debit Card Annual Fee Waiver Offer: New customers can enjoy a Perpetual Fee Waiver; existing customers can enjoy a waiver of the First 3 Years!
 
     
     
 
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Enquiry Hotline: 2903 8303

 
     
 
1 The Bank reserves the right to terminate or change the privileges and discounts from time to time without prior notice. All birthday gifts are subject to availability and will be provided on a first-come-first-served basis. All birthday gifts (except Preferential Time Deposit Rate) are valid for 6 months unless the Bank agrees otherwise. The Bank reserves the right to change the Valid Period of any or all birthday gifts awarded to the Customer by notification.
2 Customers are required to open the Online Personal Banking Service (including Online Banking PIN activation and first-time login to Online Banking) or apply for a UnionPay Dual Currency Debit Card (including successful usage of the card at least once); and open a designated account (Securities Trading / FX Linked Deposit / Mutual Fund Investment service).
3 New customers are those who have not maintained any account or banking products or services in sole name or joint name (excluding a Credit Card Account) with the Bank in the past 12 months.
4 Designated Services include Mutual Fund Investment Services / Bond Trading Services / Structured Equity-Linked Product Services / FX Linked Deposit Services / FX Option Trading Services / FX Margin Trading Services / Life Insurance Services / Currency Switching Services. Customers are required to complete the related transaction(s) within the first 3 months after becoming our new customer.
5 The interest rate is for reference only and is not guaranteed. The interest rate is subject to review according to changes in market condition from time to time, the Bank reserves the right to change the interest rate at any time. For the offer details, please contact our staff or click here to refer to relevant terms and conditions.
6 Except debit transactions of standing instructions, ATM withdrawals, any bank handling or maintenance fee, monthly interest and transactions or transfers within customer’s accounts hold with the Bank.
7 Each Eligible Customer can enjoy the Gift once only in any one calendar month during the first 6 calendar months after becoming our new customer. The Gift are available while stock lasts and given on a first-come-first-served basis. The Bank reserves the right to terminate the privilege or offer an alternative gift as a replacement without prior notice.
8 Customers must not maintain Principal Card of any Credit Card Account with the Bank in the 6 months prior to application (Customers can only enjoy once regardless of the number of applications).
9 Successfully set up Direct Debit Authorisation through our bank account to settle payments from designated public services / government sectors / telecommunication services / our bank's principal credit card payment.
 
     
  The above offers and services are bound by related terms and conditions. For details, please refer to the relevant terms and conditions. For other reward and offer details, please refer to the relevant promotional leaflet or contact our staff.  
     
 
Terms and Conditions

Terms and Conditions of Securities Trading Offer for PREMIER SELECT Customers ("Securities Offer")
1. The promotion period is from September 8, 2017 to December 31, 2020 (both dates inclusive) (the "Promotion Period").
2. The Securities Offer is applicable to customers who have successfully joined PREMIER SELECT service provided by China Construction Bank (Asia) Corporation Limited (the "Bank") and have fulfilled the following criteria ("Eligible Customer"):
  a. PREMIER SELECT customer who successfully opens new Securities Cash Trading account and/ or Securities Margin Trading account ("Securities Account") with the Bank during the Promotion Period ("New Securities Customer"); OR
  b. Existing PREMIER SELECT customer who holds Securities Account with the Bank before Promotion Period ("Existing Customer"); OR
  c. Existing customer who holds Securities Account with the Bank before Promotion Period and successfully joins PREMIER SELECT during the Promotion Period ("Upgraded Customer")
  For joint name Securities Account, only primary account holder who is Eligible Customer for the Securities Offer.
  If the customer is no longer our PREMIER SELECT customer during the promotion period, the customer will not be eligible to the Securities Offer.
3. Securities Offer includes:
  a. 0.1% Brokerage Commission Offer ("Brokerage Offer"):
Eligible Customer can enjoy 0.1% Brokerage Commission Offer according to the offer period as stated in clause 4 below ("Offer Period") and it is only applicable to buy and/ or sell transactions of HKD-denominated or RMB-denominated securities listed on the Stock Exchange of Hong Kong Limited ("SEHK") (excluding IPO subscriptions) or SSE securities listed on Shanghai Stock Exchange ("SSE") which are successfully executed via any automated trading channels ("Eligible Transactions"); and
  b. 「Fun Plus」Rewards Scheme Offer:
Under the「Fun Plus」Rewards Scheme ("Scheme") of the Bank, Eligible Customer is entitled to bonus point(s) for Eligible Transactions with brokerage commission equal to or higher than 0.1% (i.e. the minimum requirement of brokerage commission is reduced from 0.18% to 0.1% during the Promotion Period). For details of the Scheme, please visit our Bank’s website www.asia.ccb.com/fun_plus/en. Eligible Customer is bound by the Terms and Conditions for the Scheme.
4. Eligible Customers are entitled to the Brokerage Offer according to the offer period below:
 
Customer Type Offer Period
New Securities Customer Effective from the 5th working days after Securities Account opening date to December 31, 2020
Existing Customer September 8, 2017 to December 31, 2020
Upgraded Customer Effective from the 5th working days after PREMIER SELECT joining date to December 31, 2020
5. The Brokerage Offer is subject to minimum brokerage commission as stipulated in the Bank’s fee schedule of Securities Trading Services for each Eligible Transaction.
6. Eligible Customers are required to pay other fee(s) including but not limited to transaction levy, trading fee, stamp duty, handling fee, securities management fee and transfer fee (if applicable). For details, please refer to the Bank’s fee schedule of Securities Trading Services.
7. If the Eligible Customer is entitled to the Securities Offer in conjunction with other promotional offers, the Eligible Customer is only entitled to the offer that is of the highest value, the Bank reserves the right to grant partial or all of offers entitled by the Eligible Customer.
8. The Securities Offer is not applicable to the Bank’s Private Banking / Commercial Banking customers, Capital Investment Entrant Scheme customers as well as staff of the Bank and its affiliates.
9. The Securities Trading Services of the Bank are bound by related terms and conditions, please contact our staff for details.
10. The Bank reserves the right to vary, suspend and terminate the Securities Offer and to vary or modify any of these Terms and Conditions from time to time without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
11. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Promotion Terms and Conditions for New and Upgraded PREMIER SELECT Customer (“the Program”)

A. General Terms and Conditions:
1. The promotion period is from September 8, 2017 to September 30, 2017, both dates inclusive ("Promotion Period").
2. Unless otherwise indicated, the Program is only applicable to new customer  who join PREMIER SELECT with China Construction Bank (Asia) Corporation Limited (the “Bank”) during the Promotion Period, including:
  i. New PREMIER SELECT customer who has not maintained any account or banking products or services in sole name or joint name (excluding Credit Card Account) with the Bank in the past 12 months before the date of joining this Program (“New PREMIER SELECT Customer”), and:
  ii. Upgraded PREMIER SELECT customer who is the bank’s existing customer and has not joined any PREMIER SELECT or upgraded their PREMIER BANKING/ WISE BANKING/ General Banking to PREMIER SELECT with the Bank in the past 12 months before the date of joining this Program (“Upgraded PREMIER SELECT Customer”).
  New PREMIER SELECT Customer and Upgraded PREMIER SELECT Customer collectively known as Eligible Customer (“Eligible Customer”).
3. Eligible Customer will be entitled to the offers as specified under Section B below only once during the Promotion Period; if more than one account holder is involved, only the primary account holder will be eligible for the offers.
4. If Eligible Customer is entitled to below offers in conjunction with other promotional offers, the Bank reserves the right to grant partial or all of offers entitled by the Customer.
5. Pursuant to the requirements listed under Section B Offers below, Eligible Customer must maintain as the Bank’s valid PREMIER SELECT customer and fulfill the requirements (as defined in Clause 11.1 to Clause 11.5 below) of relevant banking products and services at the time of receipt of the respective offers. Otherwise, the reward under the relevant offers will be forfeited absolutely and will not be provided to the Eligible Customer through any other means.
6. Eligible Customer must maintain valid Premier Select status for 6 months after service commencement. If Eligible Customer terminates PREMIER SELECT within 6 months of service commencement, he/ she shall agree to pay the Bank a service termination fee of HKD500 ("Service Termination Fee"). The Eligible Customer shall agree the Bank to debit the Service Termination Fee and any fees, charges and sum due or payable by him/ her to the Bank in any of his/ her bank accounts maintained with the Bank (if applicable).
7. The Bank reserves the right to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
8. Eligible Customer is also bound by the terms and conditions stated in the "Terms and Conditions for Accounts and Related Services (For Individuals)", "Terms and Conditions for Accounts and Related Services (For Commercial Customers)", "Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT/ PREMIER BANKING/ WISE BANKING Service" (if applicable) (collectively refer to "Terms and Conditions for Accounts") and "Terms and Conditions for Investment Services". For this promotion, in the event of any inconsistency between these Terms and Conditions and the Terms and Conditions for Accounts, the Terms and Conditions of this Program shall prevail.
9. The Program is not applicable to the Capital Investment Entrant Scheme customer and Private Banking customer of the Bank.
10. In case of dispute, the decision of the Bank shall be final and binding.

B. Offer details:
11. Subject to the conditions set out in this clause, the offer(s) will be offered to the Eligible Customer as listed below.
  11.1 Welcome Offer ("Welcome Offer")
    a. Eligible Customer must fulfill below conditions in order to be entitled to the Welcome Offer:
      i. Maintain the required minimum Daily Average Combined Balance HKD5,000,000 equivalent or above with the Bank in each calendar month during the first 6 months since service commencement date , and
      ii. Sign up for Online Personal Banking Service (includes Online Banking PIN activation and first-time login to Online Personal Banking) or apply for a UnionPay Dual Currency Debit Card includes usage of the card at least once successfully, and open Securities Trading or FX Linked Deposit or Mutual Fund Investment account ("Designated Bank Accounts/ Services") on or before November 30, 2017 (for the second Promotion Period only)
       
Welcome Offer
New PREMIER SELECT Customer Upgraded PREMIER SELECT Customer
HKD4,000 HKD2,500
    b. Cash reward of Welcome Offer will be credited directly to Eligible Customer’s settlement account for PREMIER SELECT. The Eligible Customer must also fulfill the conditions of the Program, maintain a valid PREMIER SELECT status and maintain valid Online Personal Banking Service or UnionPay Dual Currency Debit Card and Designated Bank Accounts/ Services at the time of receiving the cash reward and within 6 months since service commencement. Below is the reward fulfillment schedule (“Reward Fulfillment Schedule”):
     
Enrollment Date Cash Reward Credit Date
September 8, 2017 to September 30, 2017 On or before January 31, 2018
    c. If Eligible Customer who received the Welcome Offer terminates PREMIER SELECT Service or cannot meet the required minimum Daily Average Combined Balance within 6 months of service commencement, the Customer shall agree the Bank to debit from the Eligible Customer’s account an amount equivalent to the Welcome Offer granted. The Eligible Customer shall agree the Bank to withhold and debit such amount from the Eligible Customer’s valid settlement account associated with PREMIER SELECT without prior notice given to the Eligible Customer.
  11.2 Usage Offer for New Transactions under Designated Services ("Usage Offer")
    a. The Usage Offer will be available to Eligible Customer who places, settles and fulfills any one or more of the Eligible New Transactions requirements as defined in clause 11.2(b) below within first 3 months from the service commencement date of joining the Bank ("Eligible Transaction Period") and fulfills an aggregated transaction amount up to the corresponding requirement as set out below ("Eligible New Transactions").
     
Aggregated Transaction Amount from Eligible New Transactions Cash Reward
HKD1,000,000 equivalent or above HKD3,000
HKD500,000 to below HKD1,000,000 equivalent HKD1,500
HKD250,000 to below HKD500,000 equivalent HKD600
    b. Eligible New Transactions must be settled within first 3 months from the service commencement date of joining the Bank and definitions of Eligible New Transactions are:
      i. New subscriptions under the mutual fund investment service with subscription fee equal to or higher than 2%; and/ or
      ii. New transactions under the bond trading service (except the bond subscription through initial public offering); and/ or
      iii. New transactions under the structured equity-linked product service; and/ or
      iv. New transactions under the FX linked deposit service (For each relevant deposit, the deposit principal will be regarded as the transaction amount); and/ or
      v. New transactions under the FX option trading service; and/ or
      vi. New transactions under the FX margin trading service; and/ or
      vii. New transactions under the life insurance service - newly purchased and approved life insurance policies (For each relevant policy, the 1st year’s total premium will be regarded as the transaction amount); and/ or
      viii. New transactions under the currency switching service.
        Eligible New Transactions will be calculated based on transaction date and the aggregated transaction amount will be based on the above definitions of Eligible New Transactions.
    c. If the relevant Eligible New Transactions are executed or calculated in foreign currency, the prevailing exchange rate as quoted by the Bank on the date as determined by the Bank will be adopted for the calculation of the aggregated transaction amount for converting from the foreign currency to HKD equivalent, which will be used to calculate the aggregated transaction amount of the Eligible New Transactions.
    d. Cash reward of Usage Offer will be credited directly to Eligible Customer’s settlement account for PREMIER SELECT or a valid HKD Savings/ Checking account opened most recently, please refer to the Clause 11.1(c) above for the Reward Fulfillment Schedule. The Eligible Customer must also fulfill the conditions of the Program and must remain valid PREMIER SELECT status (if applicable) at the time of receiving the Cash reward.
    e. The Bank reserves the right to determine the aggregated transaction amount of Eligible New Transactions based on the Bank’s system record and verify the Eligible Customer’s transaction record in calculating the Eligible Customer’s eligibility of the Usage Offer. Each Eligible New Transactions shall be counted once for the Usage Offer, in case of any dispute, the Bank’s decision shall be final and binding.
  11.3 Remarkable Monthly Privilege Offer ("Monthly Privilege Offer")
    a. Eligible Customer who accumulates at least 6 times of eligible transaction records in any Savings/ Checking account as defined in clause 11.3(b) below ("Eligible Transaction Record") in any one calendar month within first 6 calendar months from the service commencement date of joining the Bank ("Monthly Privilege Offer Period"), can enjoy 1pc of Pacific Coffee HKD25 e-cash coffee voucher ("Gift") in that calendar month ("Monthly Privilege Offer").
    b. Eligible Transaction Record includes:
      i. Cheque deposit and issue; and/or
      ii. Bank deposit, transaction or transfer; and/or
      iii. Payment service (standing instruction and auto-pay).
        Eligible Transaction Record does not include debit transaction of standing instruction, withdrawal from ATM, any bank handling or maintenance fee, monthly interest and transaction or transfer within customer’s account hold with the Bank.
    c. If Eligible Customer fulfilled the requirements of Monthly Privilege Offer every month during Monthly Privilege Offer Period, Eligible Customer could enjoy an extra HKD200 cash reward ("Extra Reward").
    d. The Bank will send the Gift redemption SMS to Eligible Customer’s mobile number at the Bank’s record within 3 months after the requirements of the Monthly Privilege Offer are fulfilled. The redemption arrangement will be subject to the terms and conditions enclosed in the SMS. Extra Reward will be credited directly to Eligible Customer’s settlement account for PREMIER SELECT or a valid HKD Savings/ Checking account opened most recently.
    e. Each Eligible Customer can enjoy the Gift once only in any one calendar month during Monthly Privilege Offer Period. The Gift are available while stock lasts and given on a first-come-first-served basis. The Bank reserves the right to terminate the privilege or offer an alternative gift as a replacement without prior notice.
    f. The Gift cannot be exchanged or redeemed for cash. The use of Gift is subject to the terms and conditions of the relevant supplier. The Bank is not the supplier of the Gifts. If Eligible Customer has any enquiry or complaint regarding the relevant suppliers, please contact the relevant suppliers directly. The Bank shall not be liable for the Gifts.
  11.4 Credit Card Application Offer ("Credit Card Offer")
    a. During the Promotion Period Eligible Customer who has not held any Credit Card with the Bank in the past 6 months before applying any principal Credit Card issued by China Construction Bank (Asia) (“Credit Card”) after PREMIER SELECT service commencement date / 1st account open date, and provides all necessary documents for application, can enjoy HKD100 cash reward of Credit Card Offer.
    b. An Eligible Customer could only enjoy one Credit Card Offer regardless of how many applications made.
    c. Cash reward of Credit Card Offer will be credited to Eligible Customer’s settlement account for PREMIER SELECT or a valid HKD Savings/ Checking account opened most recently, please refer to the Clause 11.1(c) above for the Reward Fulfillment Schedule.
    d. If Eligible Customer cancels the Credit Card before the Credit Card Offer credit date, Eligible Customer will not be entitled to this offer.
    e. If Eligible Customer selected/ enjoyed the Credit Card Offer of Value Added Payroll Service Promotion Program or Account Opening Gift under Welcome Gifts of eye Credit Card and CCB (Asia) Octopus UnionPay Dual Currency Credit Card Program, Eligible Customer cannot enjoy this Credit Card Offer.
  11.5 Direct Debit Authorization Offer ("DDA Offer")
    a. Eligible Customer successfully set up new Direct Debit Authorization Payment Service ("DDA") (only applicable to the DDA in HKD) with the Bank’s account during the Promotion Period and fulfill below conditions can enjoy HKD100 cash reward of DDA Offer.
    b. Set up DDA for the payment of designated public utilities or government bills or telecommunication services by the Bank’s account through branches (excluding those submitted through merchants); or set up DDA for the payment of principle Credit Card of the Bank by the Bank’s account ("Eligible DDA Transaction"); and
    c. Complete at least 1 Eligible DDA Transaction successfully within 3 months after the set up of DDA.
    d. Eligible Customer is entitled to DDA Offer for each successful DDA set up and each Eligible Customer can enjoy maximum amount of HKD200 cash reward during the Promotion Period.
    e. Eligible Customer’s relevant DDA must remain valid at the time of receipt of DDA Offer. Otherwise, the reward under the relevant offers will be forfeited absolutely and will not be provided to the Eligible Customer through any other means.
    f. Cash reward of DDA Offer will be credited to Eligible Customer’s settlement account for PREMIER SELECT or a valid HKD Savings/ Checking account opened most recently, please refer to the Clause 11.1(c) above for the Reward Fulfillment Schedule.

 
  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
Shanghai-Hong Kong Stock Connect is not covered by Hong Kong’s Investor Compensation Fund. It involves 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.

RMB currency risk
RMB is subject to the PRC government's control (for example, exchange restrictions). Besides, there is no guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to invest in RMB denominated investment products and subsequently convert the RMB redemption proceeds back into Hong Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.

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: (i) possible failure or delay in the transmission and receipt of instructions for any or all transactions in investment products or other information, and (ii) 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.

Initial Public Offering
The price of a security may move up or down, and may become valueless. There is a risk that losses may be incurred rather than making profits. You should read the relevant prospectus for detailed information about the proposed offer. You should also obtain independent financial professional advice before making any investment decision. This webpage does not constitute an offer or an invitation or an inducement by the Bank to any person to acquire, purchase or subscribe for the shares proposed to be offered.

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.

Bond trading
Trading of bond involves liquidity risk and interest rate risk and there is no 100% guarantee of positive return but loss may be incurred. There is a risk that the bond issuer fails to promptly pay the client the interest or principal if a credit event or default occurs on the bond 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.

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 loss up to the entire investment amount if the underlying stock price moves substantially against the investor’s view.

FX linked deposit
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. 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. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. 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. 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 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 FX linked deposit.

FX option investment
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 leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your 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. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position will be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your 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. Please refer to the risk disclosures in the specific documentation of these products before making a decision to invest using margin or leverage.

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. Policyholders are subject to the credit risk of insurance companies. For life insurance products, an insurance plan may comprise a 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/ 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 have paid.

Currency switching
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 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.

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.
 
     
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