New Customer Referral Program

New Customer Referral Program (“The Program”) Terms and Conditions

A. General Terms and Conditions:

1. The promotion period of the Program is from August 1, 2025 to August 31, 2025 (both dates inclusive) (“Promotion Period”).
2. Given Referrer successfully refers a new customer to complete account opening of all of the following accounts including (i) Multi-Currency Statement Savings Account, (ii) HKD Statement Savings Account, and (iii) Time Deposit Account (“Designated Account”) with China Construction Bank (Asia) Corporation Limited (the “Bank”) and fulfill designated requirements during the Promotion Period (“Referee”), Referrer may enjoy the Referral Reward as specified under Section B below. The Referral Reward is granted on a first-come-first-served basis and is based on the effective date of the Referee opening the Designated Account.
3. The Referrer must be an existing customer of the Bank, must not be the staff of the Bank and the staff of the subsidiary companies of China Construction Bank. The Bank reserves the right to determine the eligibility of the Referrer for the Program.
4. The Referee must not maintain any account or any banking products or services in sole name or joint name (excluding Wealth Management Connect “Southbound Scheme” Account) with the Bank in the past 12 months from the date of opening the Designated Account.
5. The Referee of the Program is not applicable to Private Banking, “PRIVATE WEALTH” personal banking customers of the Bank, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers, and is not applicable to the staff of the Bank and the staff of the subsidiary companies of China Construction Bank.
6. The New Customer Referral Form (“Customer Referral Form”) must be filled-in by the Referee and successfully submitted via the website of the Bank prior to or on the same day of opening Designated Account by the Referee (as determined in accordance with the Bank’s record).
7. For Referrer to be eligible to the Referral Reward, Referrer and Referee must provide accurate name (must be the same as the identification document) and mobile phone number (must be same as the Bank’s record (if applicable)) on the Customer Referral Form. By providing relevant information to the Bank, the Referrer and the Referee agree to be bound by the relevant terms and conditions.
8. Referrer and Referee cannot refer each other. The Referrer and the Referee cannot be the same person. If the Referee opens Designated Account with the Bank, the Referrer is eligible for Referral Reward once only. If the Referrer is one of the account holders of the newly opened Designated Account under joint name, he / she is not eligible to the Referral Reward.
9. The Referee must maintain the opened general banking account or joined PREMIER BANKING/ WISE Banking Service (the required minimum amount of the Daily Average Combined Balance for the PREMIER BANKING customer must be HKD1,000,000 or equivalent) at the time of Referral Reward are given to the Referrer. Otherwise, the Referral Reward will be forfeited and will not be provided to the Referrer through any other means.
10. The Program cannot be used in conjunction with other referral promotion offers of the Bank, the Bank reserves the right to grant partial or all of offers entitled by the Customer.
11. The Bank reserves the right to contact the Referrer to verify the Referrer information. The information is only used for confirming the registration and the eligibility of reward entitlement.
12. Customer is also bound by relevant terms and conditions for the banking products and services under the Program, please refer to the relevant promotional materials or visit the official website of the Bank or contact our staff for details. In the event of any inconsistency between these Terms and Conditions and the relevant terms and conditions for the banking products and service, these Terms and Conditions of the Program shall prevail.
13. The Bank reserves the right to revise these Terms and Conditions, withdraw or vary the offers anytime.
14. 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. Offer details:

15. Referral Reward (“Referral Reward”)
    The Referrer who successfully refers Referee to open Designated Account during the Promotion Period can enjoy the following Referral Reward for each successful referral:

    Customer Type	Packaged Banking Customer		General Banking Customer
    Type of banking service enrolled by the Referee	PREMIER BANKING	WISE Banking	General banking service: HKD Checking / Savings Account
    Referral Reward (for each successful referral)	HKD500	RMB200

    Referral reward quotas are categorized based on the banking service selected by the Referee: a) Should the Referee opt for PREMIER BANKING: Rewards will be granted to the first 300 successful referrers; b) Should the Referee opt for WISE Banking / General banking service: Rewards will be granted to the first 500 successful referrers. The Referral Reward is granted on a first-come-first-served basis based on the effective date of the Referee opening the Designated Account.

16. For a Referee to fulfill the requirement as a PREMIER BANKING customer, the required minimum amount of the Daily Average Combined Balance must be HK$1,000,000 or equivalent.
17. Each Referee can only be referred once. If the Referee is referred by more than one Referrer, the Referral Reward will be given to the Referrer as specified in the latest Customer Referral Form submitted according to the Bank's record.
18. Referral Reward will be credited directly to the Referrer’s valid Multi-Currency Statement Savings Account held with the Bank according to below schedule. The Referrer and Referee must also fulfill the conditions stated under Clause 9 at the time of crediting Referral Reward. Below is the schedule for crediting the Referral Reward:

    Date of Designated Account Opening by the Referee	Referral Reward Credit Date
    August 1, 2025 – August 31, 2025	On or before October 31, 2025