New Customer Referral Program

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

A. General Terms and Conditions:

1. The promotion period of the Program is from July 2, 2025 to September 30, 2025 (both dates inclusive) ("Promotion Period").
2. Within the scope of this Program, the following definitions shall apply:

   “Referrer”: An individual who is either an existing account holder with China Construction Bank (Asia) Corporation Limited (the "Bank") prior to the commencement of the Program, or an individual who becomes a new customer with the Bank during the Promotion Period, and who successfully refers at least one new customer (i.e., a "Referee") to the Bank during the Promotion Period.

   “Referee”: An individual who is successfully referred by a "Referrer" and subsequently becomes a new customer by opening a HKD Checking/Savings Account ("General Banking Account") or joins the PREMIER BANKING/ WISE Banking Service with the Bank during the Promotion Period.

3. The Program cannot be used in conjunction with other referral promotion offers of the Bank, including the Selected Customer Referral Program, the Bank reserves the right to grant partial or all of offers entitled by the Customer.
4. The Bank reserves the right to contact the Referrer to verify the Referrer information. The information is only used for confirming the registration and the eligibility of reward entitlement.
5. Customer is also bound by relevant terms and conditions for the banking products and services under the Program, please refer to the relevant promotional materials or visit the official website of the Bank or contact our staff for details. In the event of any inconsistency between these Terms and Conditions and the relevant terms and conditions for the banking products and service, these Terms and Conditions of the Program shall prevail.
6. The Bank reserves the right to revise these Terms and Conditions, withdraw or vary the offers anytime.
7. 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. Referrer Eligibility Criteria

8. Referrer should fulfill all of the following criteria to be eligible for the reward of the Program:
   1. Must not be Private Wealth customers, Private Banking customers, Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers of the Bank, and must not be the staff of the Bank or the staff of the subsidiary companies of the Bank.
   2. Must maintain a valid email address with the Bank’s record to receive the email notification as specified under Clause 14 of these Terms and Conditions.
   3. Must maintain a valid HKD Statement Savings Account and Time Deposit account with the Bank at the time of receipt of reward under the respective offer. Otherwise, the Referral Reward will be forfeited and will not be provided to the Referrer through any other means.
   4. Successfully refers at least one new customer to open a General Banking Account or join PREMIER BANKING/ WISE Banking Service with the Bank during the Promotion Period.
   5. Complete the New Customer Referral Program—Time Deposit Placement Form (“TD Form”). Please ensure the particulars recorded on the TD Form are correct. Any discrepancies failing to match with the Bank's record might culminate in an unsuccessful Time Deposit placement. In scenarios where a Referrer has submitted multiple times of TD Form, the Bank shall proceed with the first valid rendition of the TD Form for further processing.

C. Referee Eligibility Criteria

9. The Referee should fulfill all of the following criteria for the Referrer to be eligible for the reward of the Program:
   1. Must not maintain any account or any banking products or services in sole name or joint name (excluding Credit Card Account and Wealth Management Connect “Southbound Scheme” Account) with the Bank in the past 12 months from the date of opening the General Banking Account or joining the PREMIER BANKING/ WISE Banking Service, and must not be a staff of the Bank or the staff of the subsidiary companies of the Bank.
   2. Must become a new customer of the Bank by opening a General Banking Account or joining PREMIER BANKING/ WISE Banking Service within the Promotion Period and successfully fulfill all of the following designated requirements within Promotion Period:
      1. Open all of the following accounts including (i) Multi-Currency Statement Savings Account, (ii) HKD Statement Savings Account, and (iii) Time Deposit Account;
      2. Sign up Online Banking and/or Mobile Banking;
      3. Maintain deposit balance of HKD1,000 (or its equivalent) or above in one of the accounts specified in Clause 9 b) I. from the account opening date until the end date of the Promotion Period;
      4. Complete the New Customer Referral Form and submit via the website of the Bank within Promotion Period. The information submitted on the New Customer Referral Form, namely the Referrer’s and Referee’s names (must be the same as the identification document) and mobile phone number (must be same as the Bank’s record, if applicable), must be accurate. By providing relevant information to the Bank, the Referrer and the Referee agree to be bound by the relevant terms and conditions.
   3. Must maintain the opened General Banking Account or joined PREMIER BANKING/ WISE Banking Service (the required minimum amount of the Daily Average Combined Balance for the PREMIER BANKING customer must be HKD1,000,000 or equivalent) at the time of Referral Reward are given to the Referrer. Otherwise, the Referral Reward will be forfeited and will not be provided to the Referrer through any other means.

D. Offer details (“Offer”)

10. During the promotion period, a Referrer who successfully refer a Referee to open General Banking Account or joins PREMIER BANKING/ WISE Banking Service during the Promotion Period is entitled to a preferential time deposit interest rate for every referral, based on the banking services selected by the Referee, the Referrer is eligible for Offer a) a HKD 20,000 3-month preferential time deposit interest rate of 6.88% (applicable when the Referee selects PREMIER BANKING); and/or Offer b) a HKD 10,000 3-month preferential time deposit interest rate of 6.88% (applicable when the Referee selects WISE Banking or General Banking Account).

    Offer	Banking Service Selected by the Referee	Referral Reward for Referrer
    		Time Deposit Amount for every successful referral (Fixed Amount)	Tenor	Preferential Time Deposit Interest Rate (p.a.)
    Offer a)	PREMIER BANKING	HK$20,000	3-Month	6.88%
    Offer b)	WISE Banking or General Banking Account	HK$10,000

    The referral limit is capped at 10 referrals for each referrer, i.e. the maximum aggregate amount eligible for the preferential rate of the Offer is HK$200,000.

11. Each Referee can only be referred once. If the Referee is referred by more than one Referrer, the Referral Reward will be given to the Referrer as specified in the first valid New Customer Referral Form submitted according to the Bank's record.
12. Referrer and Referee cannot refer each other. The Referrer and the Referee cannot be the same person. If the Referee opens General Banking Account or joins PREMIER BANKING/ WISE Banking Service under a joint name account with the Bank, the Referrer is eligible for Referral Reward once only. If the Referrer is one of the account holders of the newly opened joint-name General Banking Account and/or joins PREMIER BANKING/ WISE Banking Service under joint name, he /she is not eligible to the Referral Reward.
13. Principal amount of the Time Deposit will be debited from Eligible Referrer’s HKD Statement Savings Account. Please ensure that the designated account holds adequate funds as the time deposit amount stipulated on the TD Form, to facilitate the time deposit placement. Failing which, it may result in an unsuccessful placement of the Time Deposit. Maturity instruction of the Time Deposit will be crediting the principal plus interest to Eligible Referrer’s HKD Statement Savings Account respectively.
14. Program Designated Timeline and Execution Requirements:

    Requirements	Party Responsible	Due Date
    Complete criteria as specified in Clause 8(d)	Referrer	On or before September 30, 2025
    Complete criteria as specified in Clause 9(b)	Referee
    Receipt of Referral Reward Reference Number via email notification (To ensure that the email notification can be successfully delivered, the Referrer should choose to receive marketing communications from the Bank via email.)	Referrer	On or before October 20, 2025
    Complete and submit the TD Form, and deposit the selected amount for time deposit placement as indicated in the TD Form into the designated account	Referrer	On or before November 5, 2025

15. The Bank will set up the Time Deposit of the Offer for eligible Referrer as per the terms outlined in Clause 10, featuring the preferential interest rate, on or before November 15, 2025.