A. General Terms and Conditions:

1. The promotion period of the Program is from July 1, 2026 – September 30, 2026, both dates inclusive (“Promotion Period”).
2. The Promotion is only applicable to new “WISE Banking” customers or general personal banking customers (non Packaged Banking customers who solely use basic banking services including checking /savings account(s)) of China Construction Bank (Asia) Corporation Limited (the “Bank”) within the Promotion Period, and have not maintained any accounts in sole name or joint name or used any banking products or services (excluding Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program ("Eligible Customers"). The Program is not applicable to Private Banking customers, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, “PREMIER BANKING” and “PRIVATE WEALTH” of the Bank. The Bank reserves the right to determine the eligibility of the customers for this Program.
3. During the Promotion Period, Eligible Customers will be entitled to each of the offer (“Offer”) as specified under Section B for only once; for joint accounts, only the primary account holders will be entitled to the Offer and qualified as Eligible Customers.
4. If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide either one offer to the Eligible Customer.
5. The Bank reserves the rights to suspend, modify or terminate any of the offer(s) or the Program and change these Terms and Conditions at any time.
6. Eligible Customer’s eligibility for the Offer shall be subject to the Bank final decision at the Bank’s discretion, for which the Bank is not obliged to provide any reason.
7. Eligible Customers are also bound by the terms and conditions for the relevant banking products and services. Please refer to the relevant promotional materials, visit the official website of the Bank or contact our staff for details.
8. In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.

B. Offers Details:

9. New Customer Online Time Deposit Preferential Rate Offer (“Time Deposit Offer”)
   1. During the Promotion Period, Eligible Customers who become new “WISE Banking” or general personal banking customer of the Bank, successfully open the following designated account(s) (“Designated Account”), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account, can enjoy online time deposit preferential rate offer – 3-month HKD/RMB preferential time deposit interest rate 5.88%(p.a.).
   2. Eligible Customers who fulfill the requirements stated in clause 9.a. can place a 3-month HKD/RMB time deposit via mobile banking or online banking of the Bank between 10:00 a.m. onnext calendar day after account opening (T+1) and within 31 calendar days from the account opening date (T+31), and enjoy 5.88%(p.a.) preferential interest rate with designated deposit amount, where T day is the date which requirements of clause 9.a. fulfilled:

   Deposit Tenor	Currency	Designated Deposit Amount (HKD/RMB)	Preferential Interest Rate (p.a.)
   3-month	HKD/RMB	$50,000 or below (min. deposit amount is $10,000)	5.88%

   3. Each customer can enjoy the "New Customer Exclusive Limited-Time Preferential Time Deposit Interest Rate" only once, which covers HKD, USD, and RMB with tenors of 1-month, 3-month, 6-month, and 12-month; the Bank's system will automatically verify eligibility, and duplicate applications shall be invalid, with final interpretation rights reserved by the Bank.
   4. For time deposit, interest is calculated on the following year basis: HKD – 365 days (including leap year), USD or RMB – 360 days.

Risk Disclosure

Currency Exchange

Currency exchange involves bid-ask spread.

Exchange Rate Risk

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. The fluctuations in the exchange rate of a foreign currency may result in losses in the event that you convert HKD to any foreign currency or vice versa.

RMB Currency Risk

RMB is currently not freely convertible and is subject to exchange controls and restrictions (which are subject to changes from time to time without notice). You should consider and understand the possible impact on your liquidity of RMB funds in advance. The fluctuation in the exchange rate of RMB may result in losses in the event that you convert RMB into other currencies. Onshore RMB and offshore RMB are traded in different and separate markets operating under different regulations and independent liquidity pool with different exchange rates. Their exchange rate movements may deviate significantly from each other.