1. The promotion period is from July 2, 2026 to September 30, 2026, both dates inclusive ("Promotion Period").
2. During the Promotion Period, new Private Banking/ Private Wealth customers (“Eligible Customers”) of China Construction Bank (Asia) Corporation Limited (“Bank”) can enjoy up to 8.88% p.a. 3-month USD, HKD, RMB, GBP, AUD, NZD or CAD Preferential Time Deposit Interest Rate (“Preferential Time Deposit Interest Rate”) (only applicable to “New Funds” as defined in clause 7). The Offer is not applicable to:
   1. Non-personal banking customers; or
   2. Capital Investment Entrant Scheme customers and commercial customers.
3. Eligible Customers of new Private Banking/ Private Wealth customers must not maintain any account or any banking products or services in sole name or joint name (excluding Credit Card Account and Wealth Management Connect “Southbound Scheme” account) with the Bank in the past 12 months.
4. Eligible Customers must place a 3-month USD, HKD, RMB, GBP, AUD, NZD or CAD time deposit within Promotion Period from the day of account opening with a new fund amount ranging from HKD1,000,000 to HKD10,000,000 (for Private Banking customers) / from HKD1,000,000 to HKD5,000,000 (for Private Wealth customers) (or its equivalent). The first 15% of the new fund amount will be granted with the Preferential Time Deposit Interest Rate (as illustrated in below table), while the remaining 85% of the new fund amount will be granted with another time deposit interest rate*:

   First 15% of the New Fund Time Deposit Amount	Time Deposit Interest Rates
   For USD / GBP / AUD / NZD / CAD	8.88% p.a. Preferential Time Deposit Interest Rate
   For HKD / RMB	7.88% p.a. Preferential Time Deposit Interest Rate

   * The relevant new Private Banking/ Private Wealth customer time deposit rate for the remaining 85% of the new fund amount will be subject to the rates quoted by the Bank for branches from time to time. Please contact the Private Banking/ Private Wealth’s Relationship Mangers for enquiry.
5. Eligible Customers can enjoy this Offer once only during the promotion period.
6. The Offer is only applicable to time deposit placed through the Private Banking/ Private Wealth’s Relationship Managers over the phone or at our Private Banking/ Private Wealth Center (“Designated Channels”), which is not applicable for the time deposit being conducted through the other channels of the Bank, e.g. mobile banking, online banking, phone banking and/or Smart Teller Machine etc.
7. “New Funds” refers to the incremental balance when comparing the latest Total Deposit Balance with the day end Total Deposit Balance as of 3 calendar days ago (T-3 day), after deduction of the sum of principal amount (if applicable) which has been entitled to new fund offer of Time Deposit within the latest 3 calendar days (T day, T-1 day and T-2 day), where T day is today:
   1. Total Deposit Balance refers to the available balance of all deposit accounts, including Savings Accounts and/or Checking Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or as primary holder of joint name accounts).
   2. The Bank reserves the right of final decision should there be any dispute in the definition of New Funds.
      Notes: Eligible New Fund Balance affected by individual factors, mainly include 1) the check deposit cut off time on the check deposit day and 2) public holiday, long weekend and the day fall into typhoon. Please refer to the detail and examples on the time deposit product page on our website or contact our bank staff for more details.
8. The Bank reserves the right to amend, suspend, cancel or terminate these promotions and amend the Promotional Terms and Conditions any time without prior notice, and shall not be responsible for any costs, expenses, losses or liabilities incurred.
9. In case of any dispute arising out of or in connection with these promotions, the decision of the Bank shall be final and binding on the Customers.
10. In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

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.