Wealth is ‘Connect’

Become New PREMIER BANKING customers
Enjoy up to 5.38% p.a. Preferential Time Deposit Interest Rate and up to HK$22,500 Welcome Rewards

CCB (Asia) PREMIER BANKING services help you grasp tailored investment opportunities.

Within the promotion period, enjoy up to 5.38% p.a. Preferential Time Deposit Interest Rate and up to HK$22,500 Welcome Rewards by joining as a new PREMIER BANKING customer!

exclusive privilegesEnjoy exclusive privileges for PREMIER BANKING customer:
Tailor-made wealth planning by your dedicated Relationship Manager
Exclusive wealth management and lifestyle privileges
Cross-border financial services and a full range of services
Click here to learn more
Up to 5.38% p.a. Preferential Time Deposit Interest Rate
From October 2 to December 31, 2024, new PREMIER BANKING customers can enjoy up to 5.38% p.a. Preferential Time Deposit Interest Rate+ when placing a 3-month HKD or designated currency (including USD, AUD, NZD, CAD or GBP) time deposit with new funds at our branches!

Click here to learn more.

+Eligible customers are required to place a 3-month HKD or designated currency time deposit with a new fund amount ranging from HK$1,000,000 to HK$50,000,000 (or its equivalent). The first 10% of the new fund amount will be granted with 5.38% p.a. preferential time deposit interest rate, while the remaining 90% of the new fund amount will be granted with another time deposit interest rate (details please refer to the relevant terms and conditions).
Up to HK$22,500 PREMIER BANKING Welcome Rewards
HK$1,000 Welcome Reward for new PREMIER BANKING customer
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Enjoy HK$1,000 Welcome Reward1 by joining as a new PREMIER BANKING customer2 and fulfilling designated requirements as below:
  1. Register for Online Banking / Mobile Banking, and logon for once every month in the first 3 calendar months3
  2. Complete an Investment Profile Questionnaire
  3. Open a designated investment account4
  4. Set up an eStatement for bank account(s) / securities account(s)5
  5. Apply for a UnionPay Dual Currency Debit Card, and complete transaction for once6
Up to HK$1,500 Top-up Welcome Reward
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New PREMIER BANKING customers who also fulfill other designated requirements can enjoy the top-up rewards as below:

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Foreign Currency Deposit Balance Offer

Maintain a foreign currency deposit total balance of HK$200,000 equivalent or above to enjoy HK$1,000 reward7.

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“Financial Planning and Needs Analysis” Offer

Complete “Financial Planning and Needs Analysis Form (Individual Customer)” to enjoy HK$200 reward8.

fps
Faster Payment System (“FPS”) Offer

Set CCB (Asia) as default recipient bank and complete 2 fund transfers of HKD/RMB100 or above to enjoy HK$100 reward9.

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Exclusive for New/Existing Credit Card Customers
Direct Debit Authorization (“DDA”) Offer

Set up 1 DDA instruction and conduct a DDA bill payment transaction to enjoy HK$200 reward10.

Up to HK$20,000 Wealth Products Transaction Rewards Promotion
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PREMIER BANKING customers who have successfully placed and completed transactions of the respective investment products and fulfilled designated requirements can enjoy up to HK$20,000 Cash Reward11!

Please visit www.asia.ccb.com/hk/wmrewards/en for details

An array of Fabulous Wealth Management Offers
e-Account Service – Hassle-free Account Opening Anytime, Anywhere
e-Account Service
Open bank account through our e-Account Service in just a few steps, simple and easy! No branch visit is needed, swift action in everywhere!
Download CCB (HK&MO) App instantly and open an account through the “e-Account Service”! Click here to learn more.
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e-Account Service
Customer Referral Program

After your account opening, simply invite your friends to complete the “Customer Referral Form” online to register and fulfill designated requirements, you can enjoy HK$500 referral reward for each successful referral of new PREMIER BANKING customer!

The more new customers you refer, the more rewards you can get!

Click here to learn more.
Account Opening Witness Service
Account Opening Witness Service

Open a mainland CCB bank account without crossing the border and embrace the convenience of spending and traveling in the mainland.

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

  1. The first 3,900 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, private banking customers (inclusive of Private Wealth) of the Bank, and the customers who maintain a Wealth Management Connect “Southbound Scheme” account with the Bank (regardless of the customers opened the “Southbound Scheme” account before/during the Promotion Period or at the time of receipt of cash rewards).
  2. 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) of the Bank in the past 12 months before the date of joining this Program.
  3. Eligible Customers must register for Online Banking / Mobile Banking of the Bank and logon successfully for at least once every month in the first 3 calendar months (including the Account Opening Month and the following 2 calendar months), within the 2 calendar months after the Account Opening Month.
  4. Eligible Customers must open a designated investment account, including securities cash trading account / securities margin trading account / FX linked deposit account / mutual fund investment account, within the 2 calendar months after the Account Opening Month.
  5. Eligible Customers must set up an eStatement for bank account(s) / eStatements for securities account(s) (excluding eStatements for credit card account(s) and cancelled and/or unsuccessful instruction(s)) within the 2 calendar months after the Account Opening Month.
  6. Eligible Customers must apply for a UnionPay Dual Currency Debit Card of the Bank, and complete Eligible ATM Card transaction for at least once, within the 2 calendar months after the Account Opening Month.
  7. Eligible Customers must maintain a foreign currency (non-HKD, excluding RMB and USD) deposit total balance of HK$200,000 equivalent or above in all their savings / checking / time deposit accounts of the Bank in sole name or joint name within the 2 calendar months after the Account Opening Month.
  8. Eligible Customers must successfully complete Part 1 - Part 6.3 of “Financial Planning and Needs Analysis Form (Individual Customer)” at any branches of the Bank within the 2 calendar months after the Account Opening Month.
  9. Eligible Customers must complete the FPS registration service successfully and set the Bank as the “Default Recipient Bank” under “FPS Setting” through the Bank’s Online Banking or Mobile Banking and successfully complete at least 2 fund transfers of HK$100 / RMB100 or above by using mobile number, email address, FPS ID or QR code through the Bank’s Online Banking or Mobile Banking, both receiving or making payments will be counted (“Designated FPS Transaction”), within the 2 calendar months after the Account Opening Month. If an Eligible Customer completes a fund transfer to the same account or another account in the same name of the Eligible Customer held under the Bank, such transaction will not be considered as a Designated FPS Transaction.
  10. Eligible Customers must successfully apply for a principal card of CCB (Asia) Credit Card issued by the Bank during the Promotion Period/already maintain the Credit Card, set up at least 1 DDA payment instruction (only applicable to the DDA in HKD) for bill payment from his/her HKD Savings or Checking account with the Bank, and successfully conduct at least one DDA bill payment transaction for the above instruction, including but not limited to payment for CCB (Asia) Credit Card/credit cards of other banks, payment for utility bills or other merchant bills) after setting up the DDA payment instruction, within the 2 calendar months after becoming a new PREMIER BANKING customer of the Bank.
  11. The promotion period is from October 2, 2024 to December 31, 2024. For more details and terms and conditions, please refer to “Wealth Products Transaction Rewards Promotion” website at www.asia.ccb.com/hk/wmrewards/en.

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 & Conditions

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

A. General Terms and Conditions:

  1. The promotion period of the Program is from October 2, 2024 – December 31, 2024, both dates inclusive (“Promotion Period”).
  2. 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) of the Bank in the past 12 months before the date of joining this Program (“Eligible Customers”).
  3. Eligible Customers will be entitled to each of the offers as specified under Section B (“Offers”) for only once during the Promotion Period; for joint accounts, only the primary account holders will be entitled to the Offers and qualified as Eligible Customers. The Offers are limited by quota and are 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.
  4. If an Eligible Customer is also entitled to other promotional offers for or relating to the same account, product or service, the Bank reserves the right to provide only one offer to the Eligible Customer.
  5. If an Eligible Customer terminates or cancels any of the relevant services in respect of which offers would be awarded or no longer holds any Savings or Checking account with the Bank before or at the time of receiving the relevant Offers, he/ she will be disqualified.
  6. 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$200 (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.
  7. 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.
  8. 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.
  9. The Program is not applicable to the Capital Investment Entrant Scheme customers, commercial customers, private banking customers (inclusive of Private Wealth) of the Bank, and the customers who maintain a Wealth Management Connect “Southbound Scheme” account with the Bank (regardless of the customers opened the “Southbound Scheme” account before/during the Promotion Period or at the time of receipt of cash rewards).
  10. Eligible Customer is also bound by the Terms and Conditions for Bank Services relating to Faster Payment System. 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 shall prevail.
  11. In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail. In case of dispute, the decision of the Bank shall be final and conclusive.

B. Offers Details:

  1. New PREMIER BANKING Customer Welcome Reward (“Welcome Reward”)
    12.1Eligible 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 2 calendar months after the Account Opening Month in order to be entitled to the HK$1,000 cash reward:
    1. Register for Online Banking or Mobile Banking of the Bank, and logon successfully for at least once every month in the first 3 calendar months (including the Account Opening Month and the following 2 calendar months);
    2. Complete an Investment Profile Questionnaire;
    3. Open a designated investment account successfully, including securities cash trading account / securities margin trading account / FX linked deposit account / mutual fund investment account (“Investment Account”);
    4. Set up an eStatement for bank account(s) / eStatements for securities account(s) (excluding eStatements for credit card account(s) and cancelled and/or unsuccessful instruction(s)) successfully; and
    5. Apply for a UnionPay Dual Currency Debit Card (“ATM Card”) of the Bank and complete eligible ATM Card transaction (as defined in clause 12.2 below) for at least once.
    12.2Eligible ATM Card transaction refers to Eligible Customers using the ATM Card to make local / overseas retail spending in HKD / any foreign currencies, or to withdraw or deposit funds.
  2. Foreign Currency Deposit Balance Offer
    13.1Eligible Customers must fulfill the requirements as set out in clause 12, and maintain a foreign currency (non-HKD, excluding RMB and USD) deposit total balance of HK$200,000 equivalent or above in all their savings / checking / time deposit accounts of the Bank in sole name or joint name (Eligible Customers being the primary account holder) within the 2 calendar months after the Account Opening Month in order to be entitled to HK$1,000 cash reward.
    13.2The prevailing exchange rate determined by the Bank will be adopted for converting the balance from foreign currency to HKD equivalent for the purpose of calculating the amount of the foreign currency deposit total balance. In case of any disputes, the decision of the Bank on calculation of the amount shall be final.
    13.3Eligible Customers must maintain the amount of the foreign currency deposit total balance as set out in clause 13.1 at the time of receiving the cash reward.
  3. “Financial Planning and Needs Analysis” Offer
    Eligible Customers must fulfill the requirements as set out in clause 12, and successfully complete Part 1 - Part 6.3 of “Financial Planning and Needs Analysis Form (Individual Customer)” at any branches of the Bank within the 2 calendar months after the Account Opening Month in order to be entitled to the HK$200 cash reward.
  4. Faster Payment System (“FPS”) Offer
    15.1Eligible Customers must fulfill the requirements as set out in clause 12 and fulfill the following requirements within the 2 calendar months after the Account Opening Month in order to be entitled to HK$100 cash reward and each Eligible Customer will be entitled to the FPS Offer under the Program once only:
    1. Complete the FPS registration service successfully and set the Bank as the “Default Recipient Bank” under “FPS Setting” through the Bank’s Online Banking or Mobile Banking; and
    2. Successfully complete at least 2 fund transfers of HK$100 / RMB100 or above by using mobile number, email address, FPS ID or QR code through the Bank’s Online Banking or Mobile Banking, both receiving or making payments will be counted (“Designated FPS Transaction”). If an Eligible Customer completes a fund transfer to the same account or another account in the same name of the Eligible Customer held under the Bank, such transaction will not be considered as a Designated FPS Transaction.
    15.2Eligible Customers must maintain the setting of the Bank as Default Recipient Bank at the time of receiving the cash reward.
  5. Direct Debit Authorization (“DDA”) Offer
    16.1Eligible Customers must apply for a principal card of any CCB (Asia) Credit Card issued by the Bank during the Promotion Period/already maintain the Credit Card (“CCB (Asia) Credit Card”), fulfill the requirements as set out in clause 12 and fulfill the following requirements within the 2 calendar months after becoming a new PREMIER BANKING customer of the Bank in order to be entitled to HK$200 cash reward:
    1. Successfully set up at least 1 DDA payment instruction (only applicable to the DDA in HKD) for bill payment from his/her HKD Savings or Checking account with the Bank; and
    2. Successfully conduct at least one DDA bill payment transaction, including but not limited to payment for CCB (Asia) Credit Card/credit cards of other banks, payment for utility bills or other merchant bills, after setting up the above DDA payment instruction (“Eligible DDA Transaction”).
    16.2Transactions of one-time bill, non-merchant bills and/or individual transfer/top-up are not regarded as Eligible DDA Transactions.
    16.3All Eligible DDA Transaction records are determined according to the Bank’s record. In case of dispute, the decision of the Bank shall be final and conclusive.
    16.4Eligible Customer’s CCB (Asia) Credit Card must remain valid and in good standing, and the DDA instruction as set out in clause 16.1 must remain valid at the time of receiving the cash reward.
  6. Cash rewards of Welcome Reward and the above Offers (i.e. under clause 12-16) will be credited directly to the Eligible Customers’ settlement account of PREMIER BANKING or a valid HKD Savings / Checking account (excluding Step Up Savings Account and Time Deposit Account) opened most recently with the Bank (“Settlement Account”) according to the schedule below. 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 Settlement Account, Online Banking or Mobile Banking, Investment Account, eStatement service, ATM Card and the above mentioned banking services at the time of receipt of the cash rewards. Otherwise, the cash rewards will be forfeited absolutely and will not be provided to the Eligible Customers through any other means. The first 3,900 eligible new PREMIER BANKING customers can enjoy the rewards. The Offers are limited by quota and are available on a first-come-first-served basis while quota lasts. Below is the schedule for crediting the cash rewards:
    Account Opening Date Date of Crediting Cash Rewards
    October 2, 2024 – December 31, 2024 On or before April 30, 2025
  7. Wealth Products Transaction Rewards Promotion

    The promotion period is from October 2, 2024 to December 31, 2024. For more details and terms and conditions, please refer to “Wealth Products Transaction Rewards Promotion” website at www.asia.ccb.com/hk/wmrewards/en.

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 Equity-linked Products
Investment in structured equity-linked products involves 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 equity-linked products. Customers should recognize that their structured equity-linked products may mature worthless. While the maximum return on a structured equity-linked 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 stock price moves substantially against the investor’s view.

FX Linked Deposit
FX Linked 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. FX linked deposit 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. Exchange rates are affected by a wide range of factors, including, among others, international finance, economics, politics, central banks and other bodies intervention and natural events, and may rise or fall rapidly. Whilst the possible return may be higher than conventional time deposits, it is normally associated with higher risks. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected, 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 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 and it is not collateralized. The Bank can early terminate the FX linked deposit.

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
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 or insurance products in or outside Hong Kong. This promotion material and the FX linked deposits abovementioned are issued by China Construction Bank (Asia) Corporation Limited which is a licensed bank regulated by the Hong Kong Monetary Authority, an approved insurance agent 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.

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"), 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. FWD Life is 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, 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.