Welcome Rewards for New PREMIER BANKING Customers

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Remarks:

New PREMIER BANKING customers are those who have not maintained any accounts in sole name or joint name and used any banking products or services (excluding credit card account and Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program.
The first 2,200 eligible new PREMIER BANKING customers can enjoy the reward. The offer is limited by quota and is available on a first-come-first-served basis while quota lasts. The reward is not applicable to the Capital Investment Entrant Scheme customers, commercial customers and private banking customers (inclusive of Private Wealth) of the Bank.
Eligible Customers must register for Online Banking / Mobile Banking of the Bank and logon successfully for at least once in the first 2 calendar months (including the Account Opening Month and the following calendar month).
Eligible Customers must choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email, within the following calendar month after the Account Opening Month.
The Reward is limited by quota and is available on a first-come-first-served basis while quota lasts.
"First in Hong Kong" is determined based on a comparison conducted as of September 1, 2026, between CCB (Asia) and other retail banks, as publicly disclosed on their respective websites with regard to credit card benefits.

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

Terms and Conditions for New PREMIER BANKING Customer Promotion (“Program”)

A. General Terms and Conditions:

The promotion period of the Program is from October 1, 2026 – December 31, 2026, both dates inclusive (“Promotion Period”).
The Program is only applicable to new customers who have become a PREMIER BANKING customer with China Construction Bank (Asia) Corporation Limited (“Bank”) within the Promotion Period, and have not maintained any accounts in sole name or joint name and used any banking products or services (excluding credit card account and Wealth Management Connect “Southbound Scheme” account) of the Bank in the past 12 months before the date of joining this Program (“Eligible Customers”).
Eligible Customers will be entitled to the offer as specified under Section B (“Offer”) for only once during the Promotion Period; for joint accounts, only the primary account holders will be entitled to the Offer and qualified as Eligible Customers. The Offer is limited by quota and is available on a first-come-first-served basis (based on the effective date when an Eligible Customer becomes a new PREMIER BANKING customer) while quota lasts.
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 only one offer to the Eligible Customer.
If an Eligible Customer terminates or cancels any of the relevant services in respect of which offer would be awarded or no longer holds any Savings or Checking account with the Bank before or at the time of receiving the relevant Offer, he/ she will be disqualified.
If an Eligible Customer terminates the PREMIER BANKING services within 6 months of joining, the Eligible Customer shall pay the Bank a handling charge of HK$500 or such other charge as the Bank may determine from time to time. If an Eligible Customer's Daily Average Combined Balance with the Bank falls below the respective Daily Average Combined Balance for 3 consecutive calendar months, the Customer shall pay the Bank a monthly maintenance fee of HK$300 (applicable to PREMIER BANKING) or such other fee as the Bank may determine starting from the fourth calendar month. For details, please refer to the Terms and Conditions for China Construction Bank (Asia) PRIVATE WEALTH / PREMIER BANKING / WISE BANKING Service.
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.
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.
The Program is not applicable to the Capital Investment Entrant Scheme customers, commercial customers and private banking customers (inclusive of Private Wealth) of the Bank.
PREMIER BANKING Welcome Reward is not applicable to 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 customers for this Promotion.
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

PREMIER BANKING Welcome Reward
Eligible Customers must open a Savings or Checking account with the Bank and become a new PREMIER BANKING customer of the Bank within the Promotion Period (“Account Opening Month”), while the required minimum amount of the Daily Average Combined Balance for the PREMIER BANKING customer must be HK$1,000,000 or equivalent, and fulfill the following requirements within the following calendar month after the Account Opening Month in order to be entitled to worth HK$1,800 of Free Shares of Tracker Fund of Hong Kong (Stock Code 2800.HK)* Stock Reward:
1. Register for Online Banking or Mobile Banking of the Bank, and logon successfully for at least once in the first 2 calendar months (including the Account Opening Month and the following calendar month); and
2. Choose to receive marketing communications and opt-in for all these 3 marketing channels, including phone call, phone message and email.
*The stock value calculated based on the opening price at the Hong Kong Stock Exchange (HKEX) on January 20, 2027 and for reference only. The details are subject to the announcement by the HKEX.

Stock reward of Welcome Reward (i.e. under clause 12) will be deposited directly to the Eligible Customers’ valid Securities Cash Trading Account or Securities Margin Trading Account with the earliest account opening date according to the schedule below. At the time of depositing the stock reward, Eligible Customers must still be a valid PREMIER BANKING customer of the Bank (the required minimum amount of the Daily Average Combined Balance for the PREMIER BANKING customer must be HK$1,000,000 or equivalent) and maintain a valid Savings or Checking account , Securities Cash Trading Account or Securities Margin Trading Account, Online Banking or Mobile Banking, and also maintain as opt-in for the marketing channels as set out in clause 12 ii. Otherwise, the stock reward will be forfeited absolutely and will not be provided to the Eligible Customers through any other means. The first 2,200 eligible new PREMIER BANKING customers can enjoy the reward. The Offer is limited by quota and is available on a first-come-first-served basis while quota lasts. Below is the schedule for crediting the stock reward:

Account Opening Date	Date of Depositing Stock Reward
October 1, 2026 – October 31, 2026	On or before January 31, 2027
November 1, 2026 – November 30, 2026	On or before January 31, 2027
December 1, 2026 – December 31, 2026	On or before February 28, 2027

This does not constitute advice to buy or sell any investment products and does not constitute an offer with respect to any investment products. The price of the Share fluctuates, sometimes dramatically. The price of Share may move up or down, and may become valueless. Thus, it may not be profit-making. You are encouraged to consult your own independent financial advisors before making any investment decision. Investment products are not bank deposit and thus should not be considered as alternative of normal time deposit.
Please note the relevant risks related to trading of odd lots, including if the proceeds of the odd lots selling order are less than the related charges, customer must pay the difference and bear the loss that may arise from. The processing time of odd lots trading is related to the stock liquidity and the number of odd lot shares. Due to the manual processing of odd lot orders, there is no definite range of price difference between the odd lots and the board lots; such orders may take longer to process and are not guaranteed to be executed. Normally, the execution price of an odd lot order will have several spreads worse than that of a board lot order. In addition, the Bank may only get quote(s) and execute the odd lot trade(s) for customers through one of the few brokers as may be designated by the Bank from time to time, while the Bank will act in customers’ best interests with relevant best execution factors taken into account in relation to customers’ order(s).
Customer who becomes a new PREMIER BANKING customer during the Promotion Period can be entitled to the Hong Kong Securities Safe Custody Fee waiver for only once. Customers shall first pay in full the standard Safe Custody Fee according to the Bank’s fee schedule of securities trading services. For customer who becomes a new PREMIER BANKING customer between October 1, 2026 – December 31, 2026, the Bank will credit the eligible Safe Custody Fee amount to the relevant HKD settlement account of the Securities Account in the form of cash rebate on or before August 31, 2027. For details, please refer to the Bank's fee schedule of securities trading services (more details can be found under clause 18 below).
The stock reward value will be determined by the opening price at the Hong Kong Stock Exchange on January 20, 2027. In the event that the scheduled transaction date falls on a non-trading day, the transaction shall be postponed to the next succeeding trading day.
The relevant Eligible Customers do not have to pay for any trade-related fee involved for the above mentioned stock reward, including brokerage fees, deposit of stocks charges, and any third-party transaction charges such as transaction levy, stamp duty and trading fee, etc. (“Trade-related Fee”). But you must bear all costs related to transfer out the shares (including but not limited to scrip handling fees); When you hold or sell securities products, you are responsible for paying all relevant fees (including but not limited to nominee services and trade-related fee). For the details of our Securities Fee Schedule, please refer to CCB (Asia) website > Personal > Terms and Fees > Securities Trading Services.
In case of any reason the Bank is unable to provide the Free Shares under this Promotion’s reward, the Bank reserves the right to substitute the Free Shares with other reward(s) at any time without prior notice. The value or nature of the substitute reward(s) may differ from the Free Shares specified in these Terms and Conditions. The Customer shall not raise any claims or objections against the Bank due to any difference in value arising from the substitute reward.

Terms and Conditions for the "New Customers Exclusive Limited Edition 999 Pure Gold Ornament" Program (“Program”)

A. General Terms and Conditions:

The promotion period of the Program is from October 1, 2026 – December 31, 2026, both dates inclusive (“Promotion Period”).
The Program is only applicable to new customers ("Eligible Customers") who meet all the following conditions during the Promotion Period:
1. Become a new “PREMIER BANKING” customers of China Construction Bank (Asia) Corporation Limited (the "Bank”); and
2. Have not maintained any accounts in sole name or joint name and 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, "PRIVATE WEALTH” personal banking customers of the Bank and is not applicable to 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 customers for this Program.
Eligible Customers must fulfill all of the following conditions to collect one Limited Edition 999 Pure Gold Ornament ("Reward") in person at a branch of the Bank from October 1, 2026 to January 31, 2027, both dates inclusive (“Redemption Period”).
1. Become new “PREMIER BANKING” customers of the Bank, and successfully open the following designated account(s), including Multi-Currency Statement Savings Account, and/or HKD Statement Savings Account during the Promotion Period; AND
2. Successfully open the securities account in their sole name during the Promotion Period; AND
3. Successfully complete at least one transaction of mutual fund transfer-in/securities transfer-in / securities trading (refer to Section B. Mutual Fund Transfer-in / Securities Transfer-in/ Securities Trading Terms and Conditions) during the redemption period; and
4. The Daily Average Combined Balance at the time of receiving the reward must be HKD 1,000,000 or above (or equivalent).
Eligible Customers will be entitled to the Reward for only once during the Promotion Period in this Program; for joint accounts, only the primary account holders will be entitled to the offer and qualified as Eligible Customers. The Reward is limited by quota and is available on a first-come-first-served basis while quota lasts.
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 only one offer to the Eligible Customer.
The Reward cannot be exchanged for cash or other gifts. The Bank shall assume no liability in respect of the service and /or product’s quality and all related matters.
The Bank's products and services are subject to the terms and conditions issued by the bank from time to time. Please contact our staff for details.
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.
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.
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. Mutual fund Transfer-in/ Securities Transfer-in/ Securities Trading Terms and Conditions：

Terms and Conditions of the "Fund Transfer In" Reward

Only transfers of units (“Units”) of the Securities and Futures Commission (“SFC”) authorized funds distributed by the Bank are eligible to the Offers (“Eligible Fund”). Money Market Fund will be excluded. The Bank has the sole and full discretion to decide whether a mutual fund may or may not be transferred into the Bank and whether a relevant transfer, subject to clause 12 below, is eligible to the Offers (“Eligible Transfer”). For enquiry on details of an Eligible Fund, please contact our Relationship Manager.
During the Promotion Period, an Eligible Customer must successfully transfer one or more Eligible Fund(s) from other bank(s) or financial institution(s) into his/her Mutual Fund Account.
Eligible Customers may not be able to subsequently subscribe for the Eligible Fund via the Bank if that Eligible Fund is no longer open for subscription by the Bank.
The Bank only accepts mutual funds transferred from account(s) held in another bank(s) or financial institution(s) by the same customer using the same name. The account holder’s name of the Units being transferred from another bank(s) or financial institution(s) must be the same as the Eligible Customer’s name as registered with the Bank.
On the day of Reward redemption, if the Eligible Customer:
1. transfers out the Eligible Fund(s) partially or wholly from the Mutual Fund Account; or
2. closes any of the Mutual Fund Account or the Settlement Account;
the Bank reserves the right to forfeit the reward.

Terms and Conditions of the "Securities Transfer In & Securities Trading" Reward

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.
Securities transfer-in refers to the successful deposit of one or more securities listed on HKEX(excluding IPO subscriptions), and/or securities listed on SSE via the Shanghai-Hong Kong Stock Connect, and/or securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect, and/or Eligible U.S. securities listed on NASDAQ Exchange, New York Stock Exchange or American Stock Exchange from any account outside the Bank via Central Clearing and Settlement System (CCASS) or by physical scrip during the promotion period. If customer wishes to deposit a specific US stock not currently on the Eligible US Securities list may submit a request to the Bank staff prior to deposit. The Bank reserves the final right to decide whether reward will be granted.

Eligible US Securities are listed below:

#	Stock Code	Stock Name	ISIN
1	AAPL	APPLE INC	US0378331005
2	AEP	AMRCN ELCTRC ORD	US0255371017
3	AMZN	AMAZON COM	US0231351067
4	AVGO	BROADCOM INC	US11135F1012
5	AVY	AVERY DENNISON	US0536111091
6	BA	BOEING CO	US0970231058
7	CRM	SALESFRC INC ORD	US79466L3024
8	CTAS	CINTAS CORP	US1729081059
9	DHI	D.R. HORTON INC	US23331A1097
10	FDX	FEDEX CORP	US31428X1063
11	GOOG	ALPHABET INC C	US02079K1079
12	GOOGL	ALPHABET INC A	US02079K3059
13	LLY	ELI LILLY	US5324571083
14	MSFT	MICROSOFT CP	US5949181045
15	MU	MICRON TECH	US5951121038
16	NFLX	NETFLIX INC	US64110L1061
17	NVDA	NVIDIA CORP	US67066G1040
18	TSLA	TESLA INC	US88160R1014
19	UBER	UBER TCHLGS INC	US90353T1007
20	WMT	WALMART INC ORD	US9311421039
21	META	META PLATFORM ORD	US30303M1027
22	TSM	TAIWAN SEMI	US8740391003

Securities trading refers to one or more buy/sell trades of Hong Kong Stock (including any HKD-denominated or RMB-denominated securities listed on the Stock Exchange of Hong Kong Limited(“HKEX”), and/or U.S. Stock (including US securities listed on NASDAQ Exchange, New York Stock Exchange or American Stock Exchange), and/or A-shares (including securities listed on Shanghai Stock Exchange ("SSE") via the Shanghai-Hong Kong Stock Connect and securities listed on the Shenzhen Stock Exchange ("SZSE") via the Shenzhen-Hong Kong Stock Connect) via any channels of the Bank during the promotion period.

Risk Disclosure
Investment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Investment 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 investment products may involve derivatives. Certain investment products may not be available in all jurisdictions and/or may be subject to restrictions. 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. 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.

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.

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.

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. Investments in high-yield bonds are additionally subject to higher credit risk and vulnerability to economic cycles. A fund investing primarily in high-yield bonds is further subject to capital growth risk, dividend distributions and other relating risks. The net asset value of such fund may decline or be negatively affected if there is a default of any of the high yield bonds that it invests in or if interest rates change.

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 - 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.

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.

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.

Insurance
Customers should read the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance company to understand the details of the insurance plan (including but not limited to detailed terms, conditions, coverage, exclusions, fees and product risks) and consider whether the insurance product meets their personal needs before application. Policyholders are subject to the credit risk of relevant insurance company.

For life insurance product, an insurance plan may comprise a savings element. Part of the premium will be paid for the insurance and related costs. If a customer is not completely satisfied with his/her life insurance policy, the customer has a right to cancel it within the cooling off period and obtain a refund of relevant premium and levy paid. To exercise such right, a notice of cancellation signed by the customer must be received by relevant insurance company’s Hong Kong Main Office within the cooling off period (i.e. within 21 calendar days immediately following either the day of the delivery of the policy or delivery of a Cooling-off Notice (stating the availability of the policy and expiry date of the cooling off period) to the customer or the customer’s nominated representative, whichever is the earlier). After the cooling off period is expired, if a customer cancels the policy before maturity, the surrender value may be less than the total premium the customer has paid.

Disclaimer
China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life"), China Taiping Life Insurance (Hong Kong) Company Limited ("TPLHK"), QBE Hongkong & Shanghai Insurance Limited (“QBE Hong Kong”) and China Taiping Insurance (HK) Company Limited (“CTPI(HK)”), to distribute life and general insurance products in the Hong Kong Special Administrative Region. Relevant life and general insurance products are the products of the insurance companies but not the Bank. The above life insurance products are issued and underwritten by FWD Life or TPLHK. FWD Life and TPLHK are authorized and regulated by the Insurance Authority (“IA”) to carry on long term insurance business in the Hong Kong Special Administrative Region; and the above general insurance products are underwritten by QBE Hong Kong or CTPI(HK). QBE Hong Kong and CTPI(HK) are authorized and regulated by the IA to carry on general insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration (if applicable) and policy documents and provisions issued by relevant insurance companies for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the life or general insurance products. FWD Life, TPLHK, QBE Hong Kong and CTPI(HK) reserve the right to decide at each of their sole discretion to accept or decline any application for life or general insurance product according to the information provided by the proposed Insured (if applicable) and the customer at the time of application. 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 life or general insurance product should be resolved between the insurance company and the customer directly. Information on this website 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 insurance product in or outside Hong Kong.

Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the IA collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit https://www.ia.org.hk. For the latest information about The Insurance Complaints Bureau, please visit https://www.icb.org.hk.

China Construction Bank (Asia) Corporation Limited is a licensed bank regulated by the Hong Kong Monetary Authority 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 is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) for reference only. It 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 and does not constitute any prediction of likely future movements in prices of any investment products. This promotion material is issued by China Construction Bank (Asia) Corporation Limited, and has not been reviewed by the Securities and Futures Commission or any other regulatory authorities in Hong Kong.

Preferential Time Deposit Offer + Tracker Fund Stock Reward
AUD Time Deposit Placement: AUD178,500 x 92 days / 360 days x ((8.88% x 1st 15%) + (4.2%^ x remaining 85%)) = AUD2,236 (If using AUD/HKD rate of 5.68, amounting to approximately HKD12,701) + HKD1,800 Stock Reward	USD Time Deposit Placement: USD128,000 x 92 days / 360 days x ((8.88% x 1st 15%) + (3.8%^ x remaining 85%)) = USD1,492 (If using USD/HKD rate of 7.86, amounting to approximately HKD11,729) + HKD1,800 Stock Reward
Total Value Approximately HKD14,501	Total Value Approximately HKD13,529
GBP Time Deposit Placement: GBP94,000 x 92 days / 365 days x ((8.88% x 1st 15%) + (3.5%^ x remaining 85%)) = GBP1,020 (If using GBP/HKD rate of 10.65, amounting to approximately HKD10,868) + HKD1,800 Stock Reward	HKD Time Deposit Placement: HKD1,000,000 x 92 days / 365 days x ((7.88% x 1st 15%) + (2.85%^ x remaining 85%)) = HKD9,085 + HKD1,800 Stock Reward
Total Value Approximately HKD12,668	Total Value Approximately HKD10,885