Craft your wealth with Packaged Banking Services

Enjoy up to HK$47,300 welcome privileges and other fabulous offers for new customers!

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, 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 are not principal-protected while some FX Linked Deposits are principal-protected conditionally.
  • You should obtain independent professional financial, tax or legal advices before making any investment decision.

Craft your wealth with CCB (Asia) Packaged Banking Services!

Within the promotion period, enjoy up to HK$47,300 welcome privileges and other fabulous offers by joining as a new Packaged Banking customer1.

Privilege 1
Enjoy up to HK$18,000 Welcome Privileges
Enjoy a welcome offer cash reward2 by fulfilling designated requirements:
Packaged Banking PREMIER SELECT PREMIER BANKING WISE BANKING
Daily Average Combined Balance
(HKD or equivalent)
HK$5,000,000 or above HK$1,000,000 or above HK$500,000 or above HK$100,000 to below HK$500,000
Cash Reward HK$18,000 HK$5,000 HK$700 HK$300
Privilege 2
Top-up reward up to HK$500
Direct debit authorisation offer

Direct debit authorisation offer

Set up a Direct Debit Authorisation through your account with our bank for bill payment to enjoy a reward of up to HK$2503.

eStatement offer

eStatement offer

Set up new eStatement for account through online banking or mobile banking to enjoy HK$50 cash reward4.

Credit card offer

Credit card offer

Apply for any credit card with our bank and submit all the required documents to enjoy a HK$100 reward5.

FPS offer

FPS offer

Enjoy up to HK$100 reward6 when designated requirement is fulfilled.

Privilege 3
Enjoy up to HK$28,800 Wealth Products Transaction Rewards7
From July 1 to September 30, 2022, Eligible Customers who have placed and completed transactions of designated investment products8 reaching the aggregated amount; or successfully applied for any life insurance policy by fulfilling designated requirements9 can enjoy the following cash reward:
Aggregated Designated Investment Products Transaction Amount
(HKD or equivalent)
Cash Reward
HK$5,000,000 or above HK$10,000
HK$1,000,000 to below HK$5,000,000 HK$2,000
HK$500,000 to below HK$1,000,000 HK$800
HK$200,000 to below HK$500,000 HK$300
Type of Eligible Insurance Policy Aggregated First Year Premium Amount#
(HKD or equivalent)
Cash Reward10
Single Pay Products HK$8,000,000 or above HK$18,000
HK$6,000,000 to below HK$8,000,000 HK$12,000
HK$3,000,000 to below HK$6,000,000 HK$6,000
Regular Pay Products HK$400,000 or above HK$800
# The aggregated first year premium amount does not include the levy and only the net premium payment after discount will be calculated.
For details, please visit www.asia.ccb.com/hk/wmrewards/en.
Privilege 4
Step Up Savings Account Preferential Interest Rate (p.a.) up to 4%
From August 18 to September 30, 2022, Eligible Customers who successfully open a Step Up Savings Account, enroll for the offer and deposit funds within the Deposit Open Period in order to enjoy up to 4% (HKD) / up to 4% (RMB) / up to 3% (USD) preferential interest rate (p.a.)11
Preferential Interest Rates (p.a.)
CurrencyOffer Period 1st Month 2nd Month 3rd Month 4th Month
HKD
(minimum deposit amount HKD50,000)
1.00% 2.00% 3.00% 4.00%
RMB
(minimum deposit amount RMB50,000)
2.00% 2.50% 3.50% 4.00%
USD
(minimum deposit amount USD10,000)
1.50% 2.00% 2.50% 3.00%
The Preferential Interest Rate is quoted as of August 11, 2022 and is for reference only and subject to change from time to time.
For details, please visit www.asia.ccb.com/hk/stepup/en.
e-Account Service – Hassle-free Account Opening Anytime, Anywhere

Our e-Account Service is available now! You can open our bank account without visiting our branch and simply do it anytime and anywhere. You can also enjoy exclusive reward up to HK$1,20012

Click here to learn more.

New Customer Referral Reward

After your account opening, simply register online and share your referral link to enjoy up to HK$1,500 unlimited reward13 for each successful referral of new customer! Act now and share rewards together with your buddies!

Click here to learn more.

Tips on Deposits and Rates14
Deposit New Fund Welcome Offer Reward Step Up Savings Account Preferential Interest Rate (p.a.)
HK$5,000,000 HK$18,000
Up to
4%(HKD/RMB)
3%(USD)
HK$1,000,000 HK$5,000
HK$500,000 HK$700
+
HK$100,000 HK$300
Enjoy extra cash reward of up to HK$29,300 by fulfilling requirements of designated services, designated investment transaction and designated insurance policy.
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Enquiry Hotline : 2903 8303

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

  1. The Promotion Period is from July 1, 2022 to September 30, 2022. New Packaged 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.
  2. Customers are required to sign up Online Banking or Mobile Banking and login at least one time; or apply for a UnionPay Dual Currency Debit Card (including successful usage of the card at least once); and open a designated account (securities trading account or a FX linked deposit account or a mutual fund investment account).
  3. Successfully set up new Direct Debit Authorisation Payment Service through our bank account and conduct at least 1 DDA bill payment transaction successfully within 2 months after setting up the DDA.
  4. Eligible Customers who successfully set up new eStatement for account(s) (excluding cancelled and / or unsuccessful instruction(s)) via Online Banking and / or Mobile Banking within first 3 months from the service commencement date during the Promotion Period.
  5. Eligible Customers must not maintain Principal Card of any Credit Card Account with the Bank in the 6 months prior to application (Customers can only enjoy once regardless of the number of applications).
  6. Eligible Customers who successfully complete first-time Addressing Service and set the Bank as Default Recipient Bank under FPS Settings via the Bank’s Online Banking or Mobile Banking during the Promotion Period can enjoy HK$50 cash reward. After first-time successful registration to Addressing and Default Bank Service, customers can enjoy HK$50 cash reward by conducting 3 successful FPS transfers of HKD/RMB100 or above by using mobile number, email address, FPS ID or QR code via our Online Banking or Mobile Banking during the Promotion Period.
  7. The Promotion Period of “Wealth Products Transaction Rewards Promotion” is from July 1, 2022 to September 30, 2022. For more details and terms and conditions, please refer to the promotion website at www.asia.ccb.com/hk/wmrewards/en.
  8. Only applicable to Eligible Customers who have not placed and settled any transactions for all the 4 types of investment products listed in the following: (i)mutual fund investment service, (ii)bond trading service, (iii)structured equity-linked product service and (iv)FX linked deposit service from January 1, 2022 to June 30, 2022 (both dates inclusive). Designated Investment Products include Mutual Fund Investment Service / Bond Trading Service / Structured Equity-Linked Product Service / FX Linked Deposit Service and exclude Foreign Exchange Transaction Services.
  9. Only applicable to Eligible Customers who have not been issued with any life insurance policy from January 1, 2022 to June 30, 2022 (both dates inclusive) through the Bank. Eligible Insurance Customers are required to successfully apply for any basic life insurance plan(s) (including Regular Pay or Single Pay Product) which are distributed by the Bank and issued by AIA International Limited (Incorporated in Bermuda with limited liability) (“AIA”) or FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) (“FWD”) via any branch of the Bank and the relevant policy must be issued from July 1, 2022 to September 30, 2022 (“Eligible Insurance Policy”) in order to enjoy the relevant cash reward, on the condition that the aggregated first year premium amount (excluding the levy and only the net premium payment after discount will be calculated) of the Eligible Insurance Policy(ies) reaches the designated tiers as set out above.
  10. Each Eligible Insurance Customer can enjoy the cash reward for regular pay products and single pay products once respectively and the cap for the cash reward is HK$18,800. For Eligible Insurance Customer entitling Life Insurance Plans Reward, the relevant Eligible Insurance Policy(ies) should remain in force at the time of receipt of Life Insurance Plans Cash Reward. Otherwise, the related Life Insurance Plans Cash Reward will be forfeited.
  11. For more details and terms and conditions, please refer to “Step Up Savings Account Offer” website at www.asia.ccb.com/hk/stepup/en.
  12. Applicable to eligible customers only. For more details and terms and conditions, please refer to "e-Account Service Promotion" website at www.asia.ccb.com/hk/eaccount/en.
  13. For more details and terms and conditions, please refer to "Customer Referral Program" website at www.asia.ccb.com/cgc/en.
  14. Currency in Hong Kong Dollars. The calculation is based on assumptions (exclude monthly interest payment) and for reference only.

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

Terms & Conditions

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

A. General Terms and Conditions:

1.The promotion period of the offers under the Program is from July 1, 2022 – September 30, 2022, both dates inclusive (“Promotion Period”).

2.Unless otherwise indicated, the Program is only applicable to new customers who have become a Packaged 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 Customer 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 qualify as Eligible Customers.

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 any part of the relevant service within 6 months of joining, the Customer shall pay the Bank a handling charge of HKD500 (applicable to PREMIER SELECT / PREMIER BANKING) / HKD150 (applicable to WISE BANKING) or such other charge as the Bank may determine from time to time. For details, please refer to the Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / 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 and private banking customers of the Bank.

10.Eligible Customer is also bound by the Terms and Conditions for Bank Services relating to Faster Payment System.

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:

12.Welcome Offer (“Welcome Offer”)

12.1Eligible Customer must fulfill all the following Packaged Banking Service requirements (“Packaged Banking Service”) during the Promotion Period in order to be entitled to the Welcome Offer:

  1. Opens a Savings or Checking account with the Bank on a date within the Promotion Period (“Account Opening Month”).
  2. Becomes a PREMIER SELECT, PREMIER BANKING, WISE BANKING customer of the Bank.
    1. Registers the Online Banking or Mobile Banking of the Bank and logon successfully for at least once within two months after the Account Opening Month; OR
    2. Applies for a UnionPay Dual Currency Debit Card issued by the Bank (“Card”) and use the Card for at least once within two months after the Account Opening Month;
  3. Opens a securities trading account or a FX linked deposit account or a mutual fund investment account successfully within two months after the Account Opening Month; AND
  4. Maintains the account balance as set out in the table under clause 12.2 (the “Daily Average Combined Balance”) for 6 months after the Account Opening Month, excluding the balance of dedicated investment account for Wealth Management Connect Northbound Scheme maintained with CCB in Mainland. For the definition of Daily Average Combined Balance, please refer to the Terms and Conditions for China Construction Bank (Asia) PREMIER SELECT / PREMIER BANKING / WISE BANKING Service.

12.2The Daily Average Combined Balance requirements and the corresponding Welcome Offers for an Eligible Customer are as follows:

Packaged Banking Daily Average Combined Balance
(HKD or equivalent)
Cash Reward
PREMIER SELECT HKD5,000,000 equivalent or above HKD18,000
PREMIER BANKING HKD1,000,000 equivalent or above HKD5,000
WISE BANKING HKD500,000 equivalent or above HKD700
HKD100,000 to below HKD500,000 equivalent HKD300

12.3The cash reward will be credited directly to an Eligible Customer’s settlement account of Packaged Banking or his or her HKD Savings or Checking account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the below time schedule:

Account Opening Date Date of crediting the cash reward
July 1, 2022 – September 30, 2022 On or before May 31, 2023

13.Credit Card Application Offer (“Credit Card Offer”)

13.1Eligible Customer who applies for any principal credit card issued by the Bank (“Credit Card”) after the Account Opening Date and during the Promotion Period (“New Card Application”), and provides all necessary documents for that New Card Application, will be entitled to HKD100 cash reward.

13.2This Credit Card Offer is not applicable to an Eligible Customer who holds or cancels any principal Credit Card issued by the Bank in the past 6 months before submitting the New Card Application. Regardless of the number of New Card Application submitted during the Promotion Period, each Eligible Customer can only enjoy the Credit Card Offer once.

13.3Cash reward will be credited to the Eligible Customer’s settlement account for Packaged Banking or his/her valid HKD Savings or Checking account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule found in paragraph 12.3.

13.4Your eligibility for the Credit Card Offer is subject to our checking on your Card account status and your Card account(s) remaining valid and in good standing (as determined at our discretion) throughout the Promotion Period and at the time when the cash rebate is credited.

14.Direct Debit Authorisation Offer (“DDA Offer”)

14.1Eligible Customer must fulfill the DDA Offer requirements as stated below during the Promotion Period to enjoy up to a maximum amount of HKD250 cash reward:

  1. Open an HKD Savings or Checking account with the Bank during the Promotion Period; and
  2. Successfully set up at least 1 new Direct Debit Authorisation Payment instruction (only applicable to the DDA in HKD) (“DDA”) for bill payment from his/her HKD Savings or Checking account with the Bank during the Promotion Period; and
  3. Successfully conducted at least 1 DDA bill payment transaction (including but not limited to payment for utility bills, payment for credit cards or other merchant bills.) (“Eligible DDA Transaction”) within 2 months after date of setting up the DDA will be entitled to below DDA Offer:
Set Up New Direct Debit Authorisation Payment Instructions Eligible DDA Transaction Cash Reward
1 Instruction 1 Transaction HKD100 Cash Reward
2 Instructions 2 Transactions
(different merchants)
HKD250 Cash Reward

14.2Transactions of one-time bill, non-merchant bills and/or individual transfer/top-up are not regarded as Eligible DDA Transactions.

14.3All 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.

14.4The Eligible Customer’s relevant DDA must remain valid at the time of receipt of DDA Offer. Otherwise, the cash reward under the DDA Offer will be forfeited absolutely and will not be provided to the Eligible Customer.

14.5Cash reward will be credited to the Eligible Customer’s settlement account for Packaged Banking or his/her valid HKD Savings or Checking account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule found in paragraph 12.3.

14.6The DDA Offer of the Program cannot be used in conjunction with the DDA Offer of “e-Account Service Promotion” listed in Clause 11 of the “Promotion Terms and Conditions for e-Account Service Promotion Offer.

15.Extra Welcome Offer (“Extra Welcome Offer”)

15.1Eligible Customer who has successfully set up a new eStatement instruction for his/her account(s) (excluding cancelled and/or unsuccessful instruction(s)) via Online Banking and/or Mobile Banking within 3 months after the Account Opening Month during the Promotion Period, will be entitled to receive HKD50 cash reward (“Extra Welcome Offer”).

15.2The Eligible Customer’s relevant eStatement set up status must remain valid at the time of receipt of Extra Welcome Offer. Otherwise, the cash reward under the Extra Welcome Offer will be forfeited absolutely and will not be provided to the Eligible Customer.

15.3Cash reward will be credited to the Eligible Customer’s settlement account for Packaged Banking or his/her valid HKD Savings or Checking account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule found in paragraph 12.3.

16.Faster Payment System Offer (“FPS Offer”)

16.1Addressing Service and Default Reward

  1. Eligible Customers must fulfill the requirements as stated below during the Promotion Period to enjoy HKD50 cash reward (“Addressing Service and Default Reward”).
    1. First-time complete Addressing Service successfully and set the Bank as Default Recipient Bank under FPS Settings through the Bank’s Online Banking or Mobile Banking; and
    2. Eligible Customers must maintain the Addressing Service and the setting of the Bank as Default Recipient Bank at the time of receiving the Addressing Service and Default Reward.

16.2Usage Reward

  1. Eligible Customer must fulfill the requirements as stated below during the Promotion Period to enjoy HKD50 cash reward (“Usage Reward”).
    1. Fulfill the requirements as stated in Clause 16.1.i.a and 16.1.i.b above; and
    2. Successfully completes at least 3 fund transfers of HKD100 or above or 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 payment will be counted (“Designated FPS Transactions”). 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.

16.3Cash reward will be credited to the Eligible Customer’s settlement account for Packaged Banking or his/her valid HKD Savings or Checking account (excluding “Step Up Savings Account”) opened most recently with the Bank according to the time schedule found in paragraph 12.3.

16.4The FPS Offer of the Program cannot be used in conjunction with the FPS Offer of “e-Account Service Promotion” listed in Clause 12 of the “Promotion Terms and Conditions for e-Account Service Promotion Offer”.

17.Wealth Products Transaction Rewards Promotion
The promotion period is from Jul 1, 2022 to September 30, 2022. For more details and terms and conditions, please refer to “Wealth Products Transaction Rewards Promotion” website at www.asia.ccb.com/hk/wmrewards/en.

18.Step Up Savings Account Offer
For more details and Terms and Conditions, please refer to “Step Up Savings Account Offer” website at www.asia.ccb.com/hk/stepup/en.

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.

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.

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 loss 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 an unlisted investment product and subject to the credit and insolvency risk of the Bank. 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. When the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected. FX linked deposit is not the same as investing in its linked currency. It is not protected by the Investor Compensation Fund. If the FX linked deposit is approved by the Bank to be withdrawn before its maturity, the customer may also need to bear the costs involved which may reduce the return and the principal amount of FX linked deposit he may get back. There is no secondary market for the FX linked deposit and it is not collateralized. The Bank can early terminate FX linked deposit.

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.

Currency Switching
Currency exchange rates are affected by a wide range of factors, including, among others, national and international financial and economic conditions and political and natural events. The effect of normal market forces may at times be countered by intervention by central banks and other bodies. At times, exchange rates, and prices linked to such rates, may rise or fall rapidly.

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.

Disclaimer
This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. 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 AIA International Limited (incorporated in Bermuda with limited liability) ("AIA") and FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life"), to distribute life insurance products in the Hong Kong Special Administrative Region. Relevant life insurance products are the products of the insurance companies but not the Bank. The above life insurance products are issued and underwritten by AIA or FWD Life. AIA and FWD Life are authorized and regulated by the Insurance Authority (“IA”) to carry on long-term insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration and policy documents and provisions issued by AIA or FWD Life 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 insurance products. AIA and FWD Life reserve the right to decide at each of their sole discretion to accept or decline any application for life insurance product according to the information provided by the proposed Insured 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 insurance product should be resolved between AIA or FWD Life and the customer directly. Information on this promotion material is for reference only and is intended to be distributed in the Hong Kong Special Administrative Region 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 life insurance product of AIA or FWD Life outside the Hong Kong Special Administrative Region.

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.