Exclusive Lucky Draw for Private Banking and Private Wealth Customers

Get a chance to win Round-Trip Business Class Flight Tickets to Europe for 2 persons or Other Fabulous Prizes

From now until December 31, 2026 (“Promotion Period”)¹,
CCB (Asia) eligible Private Banking and Private Wealth customers who complete the designated missions can enter the lucky draw to win Round-Trip Business Class Flight Tickets to Europe for 2 persons (valued at HK$138,000) or other fabulous prizes.
There will be no limit to the number of lucky draw chances², the more missions you complete, the more lucky draw chances you will receive, and the total number of prizes is 140!

Grand Prize

Round-Trip Business Class Flight Tickets
to Europe for 2 persons

(valued at HK$138,000)

－ 1 Winner －

Requirements: Accumulate 10 lucky draw chances or above

	Prizes	Winners	Requirements

2^nd Prize	1-tael of 999.9 Pure Gold Pellet³	1 Winner	Accumulate 10 lucky draw chances or above
3^rd Prize	Mandarin Oriental Gift Card (valued at HK$5,000)	3 Winners	Accumulate 10 lucky draw chances or above
4^th Prize	HK$1,500 Credit Card Free Spending Credit	10 Winners	Accumulate 5 lucky draw chances or above
5^th Prize	JPY 20,000 Cash Reward	25 Winners
	AUD 200 Cash Reward	25 Winners
	CNY 1,000 Cash Reward	25 Winners
	GBP 100 Cash Reward	25 Winners
	EUR 100 Cash Reward	25 Winners

Designated Missions

Designated Missions	Details	Lucky Draw Chance

Account Opening	Become a new Private Banking or Private Wealth customer⁴	1x
Customer Referral	Existing Private Banking or Private Wealth customers who successfully refer a customer to join as a new Private Banking or Private Wealth customer⁴ will receive a lucky draw chance. The more customers you refer, the more lucky draw chances you will receive! Click here to get the Private Banking/ Private Wealth Customer Referral Application Form	1x
WeCom	Successfully complete the identity verification at WeCom⁵	1x
Set up Digital Banking	Register for Online Banking and Mobile Banking successfully⁶	1x
Register FPS and set CCB (Asia) as default recipient bank	Register for Faster Payment System (“FPS”) and set CCB (Asia) as default recipient bank⁷	1x
Open Investment Accounts	Successfully open all of the following investment accounts⁸ Securities Account Mutual Fund Account Bond Account FX Linked Deposit Account Structured Investment Product Account	1x
Register as a Professional Investor	Register as a Professional Investor⁹	1x
Valid Investment Qualifications	Maintain a valid “W-8BEN form” record¹⁰	1x
Valid Investment Qualifications	Maintain a valid “Investment Profile Questionnaire” record¹⁰	1x
New Fund Time Deposit	Deposit new funds (“Eligible New Fund Balance”)¹¹ and place a 3-month time deposit or above¹² for every HK$1,000,000 (or equivalent)	1x
Equity Linked Investment Product Transaction	Conduct eligible Equity Linked Investment Product Transaction for every HK$500,000 (or equivalent) transacted¹³	2x
Non-Equity Linked Investment Product Transaction	Conduct eligible Non-Equity Linked Investment Product Transaction for every HK$500,000 (or equivalent) transacted¹⁴	1x
Mutual Fund / Bond Transaction	Conduct eligible mutual fund/ bond transaction for every HK$500,000 (or equivalent) transacted¹⁵	1x
FX Linked Deposit – High Yield Deposit Transaction	Conduct eligible FX linked deposit – high yield deposit transaction for every HK$500,000 (or equivalent) transacted¹⁶	1x
Foreign Exchange Transaction	Conduct eligible foreign exchange transaction via the Bank’s Online Banking or Mobile Banking for every HK$5,000,000 (or equivalent) transacted¹⁷	1x
Securities Trading Transaction	Conduct eligible securities transaction through any channel(s) for every HK$5,000,000 (or equivalent) transacted¹⁸	1x
Credit Card Application	Each successful credit card application and activate the credit card within one month of issuance¹⁹	1x

Act now and get a chance
to win the fabulous prizes!

Remarks:

The promotion period is from September 21, 2026 to December 31, 2026, both dates inclusive (“Promotion Period”).
There is no limit on the number of lucky draw chances for each eligible customer, and each customer will be entitled 1 prize only and the total number of lucky draw winners will be 140. To enter the Lucky Draw for the Grand Prize, 2nd Prize and 3rd Prize, customers must accumulate 10 lucky draw chances or above. While to enter the Lucky Draw for the 4th Prize and 5th Prize, customers must accumulate 5 lucky draw chances or above.
The value of a 1-tael of 999.9 Pure Gold Pellet may vary according to the latest Gold Market Value at the time of Prize Distribution.
New customers must not maintain any accounts or any banking products or services in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Banking or Private Wealth. The new customer must become a Private Banking or Private Wealth customer of the Bank, and open the savings/ checking account.
Only applicable to customers who do not complete the identity verification at WeCom as of September 20, 2026 and fulfill the following requirements: (a) Customers who have successfully become WeChat contacts with a Private Banking and/or Private Wealth Relationship Manager via WeCom, and who have received an invitation from the Private Banking and/or Private Wealth Relationship Manager and successfully completed identity verification on WeCom; and (b) hold a valid China Construction Bank (Asia) savings account; and (c) are not staff of the Bank.
Only applicable to customers who do not have a record of the Bank’s Online Banking and Mobile Banking as of September 20, 2026.
Only applicable to customers who do not have FPS default recipient bank record with the Bank as of September 20, 2026; AND complete FPS registration service for HKD and/or RMB accounts successfully and set the Bank as the“Default Recipient Bank”(HKD and/or RMB accounts) by using a mobile number or email address (HKID number is not applicable for this reward) through the Bank’s Online Banking / Mobile Banking.
Open all of the investment accounts (including Securities Account, Mutual Fund Account, Bond Account, FX Linked Deposit Account and Structured Investment Product Account) during the promotion period. If customers would like to open the related accounts, please contact the Private Banking/ Private Wealth’s Relationship Mangers.
Only applicable to customers who do not have a related record as of September 20, 2026. As defined in section 1 of Part 1 of Schedule 1 to the Securities and Futures Ordinance and Futures (Professional Investor) Rules. To be eligible as a Professional Investor, an individual should have HK$8,000,000 or equivalent in assets, including cash or cash equivalent deposits, stocks, bonds, unit trusts, equity linked investment and other investment products, etc.
Only applicable to customers who do not have related records as of September 20, 2026. Customers must maintain a valid“Investment Profile Questionnaire”and/or“W-8BEN Form”record during the promotion period. If customers would like to complete the relevant questionnaire and form, please contact the Private Banking/ Private Wealth’s Relationship Managers.
“Eligible New Fund Balance” refers to the incremental balance when comparing the latest Total Deposit Balance with the day end Total Deposit Balance as of 7 calendar days ago (T-7 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 7 calendar days (including today: i.e. T day to T-6 day), where T day is today: (a) 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), (b) Latest Total Deposit Balance is not real time, data is updated every 30 minutes, (c) 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, (d) The Bank reserves the right of final decision should there be any dispute in the definition of New Funds.
Eligible customers are required to place a 3-month or above with a new fund amount of HK$1,000,000 or above (or equivalent) on or before December 31, 2026.
Eligible Equity Linked Investment Product Transaction is only applicable to subscription transaction of equity-linked products where the Bank's monetary benefit being 2% or above of the investment amount.
Eligible Non-Equity Linked Investment Product Transaction is only applicable to subscription transaction of non-equity linked products where the Bank's monetary benefit being 1% or above of the investment amount. Non-Equity Linked Investment Products include Currency Linked Product, Interest Rate Linked Product, Commodity Linked Product, Fund Linked Product, Bond Linked Product, Credit Linked Product and Cross Assets Linked Product.
Eligible Mutual Fund / Bond Transaction must be settled within the Promotion Period and only include(s): (a) New subscriptions or switching under the Mutual Fund Investment Service with net fee equal to 1.5% or above; and/or (b) New subscriptions under the Bond Investment Service (except the bond subscription through initial public offering), only including new transaction where the Bank’s monetary benefit is 1% or above of the investment amount.
Eligible FX Linked Deposit - High Yield Deposit Transaction must be settled within the Promotion Period and only include(s) new transaction of FX Linked Deposit - High Yield Deposit with deposit period of 14 calendar days or above (for each relevant deposit, the deposit principal will be regarded as the transaction amount).
Eligible Foreign Exchange Transaction exclude Foreign Exchange transaction between HKD and USD, and Foreign Exchange transaction made via remittance, mutual fund subscription/ switching/ redemption, bill payment service and transfers via Cross Border Long Card.
Eligible Securities Trading Transaction is only applicable to the buy or sell trade of any HKD-denominated or RMB-denominated securities listed on the Stock Exchange of Hong Kong Limited (“HKEX”), and USD-denominated US securities listed on NASDAQ Exchange, New York Stock Exchange or American Stock Exchange; excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on Shanghai Stock Exchange (“SSE”) via the Shanghai-Hong Kong Stock Connect and transactions for securities listed on Shenzhen Stock Exchange (“SZSE”) via the Shenzhen-Hong Kong Stock Connect.
Only applicable to credit cards (except Business Card) issued by the China Construction Bank (Asia) Corporation Limited.

The above services are bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.

To borrow or not to borrow? Borrow only if you can repay!

Private Banking Hotline: (852) 3718 3779
Private Wealth Hotline: (852) 2903 8335 / 3918 6883

Terms & Conditions

Terms and Conditions for CCB (Asia) Private Banking and Private Wealth Customers Lucky Draw Promotion (the “Promotion”)

A. General Terms and Conditions

The promotion period is from September 21, 2026 to December 31, 2026 (both dates inclusive) (“Promotion Period”).
The Promotion is not applicable to staff of China Construction Bank (Asia) Corporation Limited (the “Bank”) and the Bank’s affiliates, and Capital Investment Entrant Scheme customers.
Under this promotion,
1. Definition of Eligible Customer:
  1. New Customer who did not maintain any account or use any banking product or service in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Banking or Private Wealth of the Bank; and opens a savings/checking account within the Promotion Period.
  2. Existing Private Banking and Private Wealth customers.
For cases involving a joint name account, only the primary account holder will be eligible to enter the Private Banking and Private Wealth Lucky Draw Promotion (the “Lucky Draw”).
If a customer is also entitled to other promotional offers of the Bank, the Bank reserves the right of final decision for providing the related offers to the customer.
If a customer terminates or cancels any of the relevant services in respect of which offers would be awarded, or no longer holds any valid Private Banking or Private Wealth account with the Bank before or at the time of receiving the relevant offers, he/she will be disqualified from entitlement to the offers.
If an Eligible Customer terminates his/her Private Banking or Private Wealth account within 12 months of joining, the customer shall pay the Bank a handling charge of HK$2,500 and such other charges as the Bank may determine from time to time. Please contact our staff for details.
Customers are required to pay all such other securities trading service fee(s), including but not limited to transaction levy, trading fee, stamp duty, handling fee, securities management fee, transfer fee and deposit of stocks fee (if applicable). For details, please refer to the Bank’s fee schedule of securities trading services. In addition, customers are responsible for any fees and charges which may be levied by the third-party financial institution/bank for stock transfer-out arrangement.
The investment services of the Bank are subject to the related Terms and Conditions issued by the Bank from time to time; please visit our branches or contact our staff for details.
The Bank reserves the right to suspend, modify or terminate the Promotion and change these Terms and Conditions at any time.
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.
The Bank has the final discretion on account opening.
In case of any inconsistency between the 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. Private Banking and Private Wealth Lucky Draw Promotion

Eligible Customers must fulfil the following requirements during the promotion period in order to be entitled to the related Lucky Draw chances:

Details of requirements and the corresponding Lucky Draw Chance:

Requirement(s)	Lucky Draw Chance(s)
Become a new Private Banking or Private Wealth customer successfully	1 Chance
Existing Private Banking or Private Wealth customer successful refer eligible customers to join as new Private Banking or Private Wealth customer	1 Chance (For each successful referral)
Successfully complete the identity verification at WeCom; only applicable to customers who do not have bank record on September 20, 2026	1 Chance
Successfully registered Mobile Banking or Online Banking; only applicable to customers who do not have bank record on September 20, 2026	1 Chance
Complete FPS registration service for HKD and/or RMB accounts successfully and set the Bank as the “Default Recipient Bank” (HKD and/or RMB accounts) by using a mobile number or email address (HKID number is not applicable for this reward) through the Bank’s Online Banking / Mobile Banking; only applicable to customers who do not have bank record on September 20, 2026	1 Chance
Successfully opened all of the investment accounts, including Securities Account, Mutual Fund Account, Bond Account, FX Linked Deposit Account and Structured Investment Product Account	1 Chance
Successfully registered as Professional Investor; only applicable to customers who do not have relevant bank record on September 20, 2026	1 Chance
Maintain a valid “W-8BEN form” record; only applicable to customers who do not have relevant bank record on September 20, 2026	1 Chance
Maintain a valid “Investment Profile Questionnaire”; only applicable to customers who do not have relevant bank record on September 20, 2026	1 Chance
Placed a 3-month time deposit or above for every new fund amount of HK$1,000,000 (or equivalent)	1 Chance
Every HK$500,000 (or equivalent) eligible Equity Linked Investment Product transaction	2 Chances
Every HK$500,000 (or equivalent) eligible Non-Equity Linked Investment Product transaction	1 Chance
Every HK$500,000 (or equivalent) eligible Mutual Fund transaction	1 Chance
Every HK$500,000 (or equivalent) eligible Bond transaction	1 Chance
Every HK$500,000 (or equivalent) eligible FX Linked Deposit – High Yield Deposit transaction	1 Chance
Every HK$5,000,000 (or equivalent) eligible Online Foreign Exchange transaction	1 Chance
Every HK$5,000,000 (or equivalent) eligible Securities transaction	1 Chance
Completed credit card application and activate the credit card within one month of issuance	1 Chance (For each completion of application and activation)

There is no limit on the number of lucky draw chances for each eligible customer. Each customer will entitle 1 prize only and the total number of lucky draw winners (“Winners”) will be 140. To enter the Lucky Draw for the Grand Prize, 2nd Prize and 3rd Prize, customer must accumulate 10 lucky draw chances or above. While to enter the Lucky Draw for the 4th Prize and 5th Prize, customer must accumulate 5 lucky draw chances or above. Details are as follows:

	Prize	No. of Winner(s)
Grand Prize	Round-Trip Business Class Flight Tickets to Europe for 2 persons (valued at HK$138,000)	1 Winner
2nd Prize	1-tael of 999.9 Pure Gold Pellet	1 Winner
3rd Prize	Mandarin Oriental Gift Card (valued at HK$5,000)	3 Winners
4th Prize	HK$1,500 Credit Card Free Spending Credit (“Credit Card Reward”)	10 Winners
5th Prize	JPY 20,000 Cash Reward (collectively called “Foreign Currency Cash Reward”)	25 Winners
	AUD 200 Cash Reward (collectively called “Foreign Currency Cash Reward”)	25 Winners
	CNY 1,000 Cash Reward (collectively called “Foreign Currency Cash Reward”)	25 Winners
	GBP 100 Cash Reward (collectively called “Foreign Currency Cash Reward”)	25 Winners
	EUR 100 Cash Reward (collectively called “Foreign Currency Cash Reward”)	25 Winners

The prize cannot be transferred, refunded, or exchanged for cash or other prizes.
Winners will be drawn randomly by the computer system of the Bank on or before February 28, 2027. The winner will be contacted by the Bank’s staff, and the result announcement will be published on the Bank’s website on or before March 31, 2027. Customers do not have any right to dispute the results.
The bank account of the winner must remain valid as Private Banking or Private Wealth account at the time of the prize distribution; otherwise, the prize will be forfeited.
“Round-Trip Business Class Flight Tickets to Europe for 2 persons” and “Mandarin Oriental Gift Card” are provided by the prize suppliers and are subject to its terms and conditions. The winners must redeem their prize within the validity period stated under the terms and conditions; no reissue of the travel coupon will be arranged due to expiry of the validity period. The Bank shall not act as, or assume any liability of, a prize supplier or its agent. Any claim, complaint, or dispute concerning the prizes must be referred to and resolved directly between the supplier and the winner, which shall in no way relieve such customer from his/her obligations to the Bank (if any).
If the Winner is entitled to the Credit Card Reward, the Bank will credit the Credit Card Reward to the Winner's valid principal card of eligible credit card with the Bank by March 31, 2027. If the Winner has more than one CCB (Asia) Credit Card principal cards, the Credit Card Reward will be credited to one of the credit card accounts. The Winner must hold valid CCB (Asia) Credit Card principal card (except Business Card) at time the Credit Card Reward is credited. The Credit Card Reward can only be applied against outstanding in Card account statement. The Credit Card Reward cannot be converted into cash, and/or withdrawn as cash and is not transferable.
If the Winner is entitled to the Foreign Currency Cash Reward, the Bank will credit the Foreign Currency Cash Reward to the Winner’s Multi-Currency Savings account on or before March 31, 2027. Such account must be valid at the time of crediting the Foreign Currency Cash Reward, otherwise, the Foreign Currency Cash Reward will be forfeited.
The Bank reserves the right to replace the prize with any alternative gift without prior notice.
In the event of any dispute arising from the lucky draw, the Bank’s decision shall be final and conclusive.

The eligible customer must fulfil the following requirement(s) with clause of 15(a) to 15(q) to entitle the lucky draw chance:
1. New Private Banking and Private Wealth Customer
  1. An Eligible Customer must open a Savings or Checking account with the Bank and become a new Private Banking or Private Wealth customer of the Bank within the Promotion Period.
2. Private Banking and Private Wealth Customer Referral
  1. A referrer must be an existing Private Banking or Private Wealth customer (collectively referred to as “Referrer”) of China Construction Bank (Asia) Corporation Limited (the “Bank”), and must not be a staff member of the Bank or the staff of the subsidiary companies of China Construction Bank.
  2. The Referee must fulfil the following criteria:
    - A new customer who did not maintain any account or any banking product or service in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining CCB (Asia) Private Banking or Private Wealth and opening the Designated Bank Account, and must not be a staff of the Bank or the staff of the subsidiary companies of China Construction Bank.
    - The Referrer will be entitled to the lucky draw chance once the following requirements are fulfilled:
      - The Referrer must successfully refer the above-mentioned eligible customer (“Referee”) to join CCB (Asia) Private Banking or Private Wealth within the Promotion Period and open a HKD Checking/Saving account (“Designated Bank Account”) on or before December 31, 2026; and
      - The Referral Application Form must be filled in by the Referee and successfully submitted to the Private Banking or Private Wealth Centre of the Bank within the Promotion Period; and
      - To be eligible for the lucky draw chance, Referrer and Referee must provide an accurate name (must be the same as the identification document) and mobile phone number (must be the same as the Bank’s record) on the CCB (Asia) Private Banking or Private Wealth Customer Referral Application Form. By providing relevant information to the Bank, the Referrer and the Referee agree to be bound by the relevant terms and conditions.
      - Referrer and Referee cannot refer each other. The Referrer and the Referee cannot be the same person. If the Referee joins Private Banking or Private Wealth and opens a Designated Bank Account under joint name with the Bank, the Referrer is eligible for the lucky draw chance once only. If the Referrer is one of the account holders of a new Designated Bank Account and Private Banking or Private Wealth Service account under joint name, Referrer is not eligible for the lucky draw chance.
      - The Bank reserves the right to contact the Referrer to verify the Referrer information. The information is only used for confirming the eligibility of the lucky draw chance entitlement.
3. Complete the identity verification at WeCom
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled:
  1. Only applicable to customers who do not complete the identity verification at WeCom as of September 20, 2026; and
  2. Successfully complete the identity verification at WeCom during promotion period and fulfill the following requirements, and remain valid of WeChat contacts with a Private Banking and/or Private Wealth Relationship Manager via WeCom at the time of the Lucky Draw:
    - Customers who have successfully become WeChat contacts with a Private Banking and/or Private Wealth Relationship Manager via WeCom, and who have received an invitation from the Private Banking and/or Private Wealth Relationship Manager and successfully completed identity verification on WeCom; AND
    - hold a valid China Construction Bank (Asia) savings account
4. Register Mobile Banking or Online Banking
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled:
  1. Only applicable to customers who do not have Mobile Banking or Online Banking record on September 20, 2026; AND
  2. Successfully registered Mobile Banking/ Online Banking during promotion period and remain valid at the time of the Lucky Draw.
5. Register Faster Payment System (“FPS”) and set the Bank as the “Default Recipient Bank”
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled:
  1. Only applicable to customers who do not have FPS default recipient bank record with the Bank as of September 20, 2026, AND
  2. Complete FPS registration service for HKD and/or RMB accounts successfully and set the Bank as the “Default Recipient Bank” (HKD and/or RMB accounts) by using a mobile number or email address (HKID number is not applicable for this reward) through the Bank’s Online Banking / Mobile Banking and remain valid at the time of the Lucky Draw
6. Register as Professional Investor
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled:
  1. Only applicable to customers who do not have Professional Investor record on September 20, 2026; AND
  2. Successfully registered as Professional Investor during promotion period and remain valid at the time of the Lucky Draw.
7. Valid “W-8BEN Form” Record
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled:
  1. Only applicable to customers who do not have “W8BEN Form” record on September 20, 2026; AND
  2. Successfully maintained valid “W-8BEN Form” record during promotion period and remain valid at the time of the Lucky Draw.
8. Valid “Investment Profile Questionnaire” Record
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled:
  1. Only applicable to customers who do not have “Investment Profile Questionnaire” record on September 20, 2026; AND
  2. Successfully maintained valid “Investment Profile Questionnaire” record during promotion period and remain valid at the time of the Lucky Draw.
9. Open Investment Accounts
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
  1. Successfully open all the investment accounts, including Securities Account, Mutual Fund Account, Bond Account, FX Linked Deposit Account and Structured Investment Product Account and remain valid at the time of the Lucky Draw.
10. New Fund Time Deposit
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
  1. Place a 3-month time deposit or above for every new fund amount of HK$1,000,000 (or equivalent).
  2. “Eligible New Fund Balance” refers to the incremental balance when comparing the latest Total Deposit Balance with the day end Total Deposit Balance as of 7 calendar days ago (T-7 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 7 calendar days (including today: i.e. T day to T-6 day), where T day is today:
    - 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),
    - Latest Total Deposit Balance is not real time, data is updated every 30 minutes,
    - 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,
    - The Bank reserves the right of final decision should there be any dispute in the definition of New Funds.
11. Equity Linked Products Transaction
  The eligible customer will be entitled to TWO lucky draw chances once the following requirements are fulfilled during the promotion period:
  1. Only applicable to subscription transactions of structured equity linked products where the Bank's monetary benefit is 2% or above of the investment (“Eligible Equity Linked Products Transaction”); AND
  2. For every HK$500,000 (or equivalent) transaction along with conducting Eligible Equity Linked Products Transaction.
12. Non-Equity Linked Products Transaction
  The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
  1. The Eligible Non-Equity Linked Investment Product includes Currency Linked Product, Interest Rate Linked Product, Commodity Linked Product, Fund Linked Product, Bond Linked Product, Credit Linked Product and Cross Assets Linked Product;
  2. Only applicable to subscription of Eligible Non-Equity Linked Products Transaction where the Bank's monetary benefit is 1% or above of the investment (“Eligible Non-Equity Linked Products Transaction”); AND
  3. For every HK$500,000 (or equivalent) transaction along with conducting Eligible Non-Equity Linked Products Transaction.
13. Mutual Fund/ Bond Transaction
  1. The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
    - Only applicable to conduct the Eligible Mutual Fund/ Bond Transaction (as defined in clause 15(m)(ii)); AND
    - For every HK$500,000 (or equivalent) Eligible Mutual Fund/ Bond Transaction.
  2. “Eligible Mutual Fund/ Bond Transaction” is defined as (i) New subscription or switching under the Mutual Fund Investment Service with net fee equal to 1.5% or above; and/or (ii) new subscription under the Bond Investment Service (except the bond subscription through initial public offering), only including new transaction where the Bank’s monetary benefit is 1% or above of the investment amount.
14. FX Linked Deposit – High Yield Deposit Transaction
  1. The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
    - Only applicable to conduct the transaction of FX Linked Deposit – High Yield Deposit Transaction (as defined in clause 15(n)(ii)); AND
    - For every HK$500,000 (or equivalent) Eligible FX Linked Deposit - High Yield Deposit Transaction.
  2. Eligible FX Linked Deposit - High Yield Deposit Transaction only includes new transaction of FX Linked Deposit - High Yield Deposit with a deposit period of 14 calendar days or above (for each relevant deposit, the deposit principal will be regarded as the transaction amount).
15. Foreign Exchange Transaction
  1. The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
    - Only applicable to conduct the Foreign Exchange Transaction via the Bank’s Mobile Banking or Online Banking; AND
    - For every HK$5,000,000 (or equivalent) Eligible Foreign Exchange Transaction.
  2. Eligible Foreign Exchange Transaction excludes Foreign Exchange transaction between HKD and USD, and Foreign Exchange transaction made via remittance, mutual fund subscription/ switching/ redemption, bill payment service and transfers via Cross Border Long Card. If the Eligible Foreign Exchange Transaction does not involve HKD, the HKD equivalent cumulative transaction amount will be calculated based on the exchange rate of the currency bought by the customer as determined by the Bank on the date of transaction. In case of any disputes, the decision of the Bank on calculation of the transaction amount shall be final.
16. Securities Transaction
  1. The eligible customer will be entitled to ONE lucky draw chance once the following requirements are fulfilled during the promotion period:
    - Only applicable to conduct the Eligible Securities Transaction (as defined in clause 15(p)(ii)) via any channel(s); AND
    - For every HK$5,000,000 (or equivalent) Eligible Securities Transaction.
  2. “Eligible Securities Transaction” is defined as buy or sell trade of any HKD-denominated or RMB-denominated securities listed on HKEX, which is conducted via any channels in the Bank; USD-denominated US securities listed on NASDAQ Exchange, New York Stock Exchange, and American Stock Exchange; excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on SSE via the Shanghai-Hong Kong Stock Connect, and transactions for securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect.
17. Credit Card Application
  The eligible customer will be entitled to lucky draw chance once the following requirements are fulfilled during the promotion period:
  1. Successfully apply for each CCB (Asia) Credit Card principal card (except Business Card); AND
  2. Activate the credit card within one month of issuance

Important Notes:

Investment involves risk, prices of investment product may go up as well as down, and may become valueless.
Some mutual funds and bonds may involve derivatives. Structured equity-linked products and FX Linked Deposits are structured products involving derivatives. 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 Structured Equity-linked Products 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 Structured Equity-linked Products are not principal-protected while some FX Linked Deposits and Structured Equity-linked Products are principal-protected conditionally.
You should obtain independent professional financial, tax or legal advice before making any investment decision.

Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investors should not invest based on this promotion material alone. Before making any investment decision, customers should consult their own independent professional financial, tax or legal 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.

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 are risks that the bond issuer will be unable 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 Investment Product
Structured Investment Products are structured products which involves derivatives and substantial risks including, among others, 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 investment products. Customers should recognize that their structured investment products may mature worthless. While the maximum return on a structured investment 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 asset price moves substantially against the investor’s view.

FX Linked Deposit

FX Linked Deposit - High Yield Deposit
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. 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. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit - High Yield Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate this product.

FX Linked Deposit - Principal Protected Deposit
FX Linked Deposit - Principal Protected Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposit. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund. This product is principal protected conditionally and is subject to the credit risk of the Bank. Investing in FX Linked Deposit – Principal Protected Deposit is not the same as directly buying the relevant currencies. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. The principal amount and the interest will be paid in the Deposit Currency. Besides, whether or not you will receive the high interest, if the Deposit Currency is not in your home currency, you may suffer a loss due to the currency risk originated by the Deposit Currency’s exchange rate fluctuations, which may offset or even exceed any potential gain. FX Linked Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - Principal Protected Deposit and it is not collateralized. You should also pay attention to the relevant market risk and the risk of early termination by the Bank upon occurrence of certain events.

(Only applicable to Swap Deposit) If Currency Event Designation by the Bank (i.e. occurrence of any event or existence of any condition, such as the imposition of exchange controls or monetary measures, such that the convertibility or transferability of the Deposit Currency and the Linked Currency becomes impossible, illegal or impracticable) occurs, the Bank has the right to early terminate the Swap Deposit and will pay the Mandatory Redemption Amount in the Deposit Currency (instead of the Repayment Amount) only to the customer on the Mandatory Redemption Date. The Mandatory Redemption Amount may be substantially less than the Principal Amount and in the worst case, is zero.

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.

Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.

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.

Disclaimer of Online Investment Trading Services

Disclaimer
This promotion material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference only, and shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any investment product in or outside Hong Kong. The promotion material is issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, a licensed insurance agency under the Insurance Ordinance (Chapter 41, Laws of Hong Kong) 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 promotion material has not been reviewed by any regulatory authorities in Hong Kong.