Securities and Structured Investment Product

Remarks:

1. HKD/USD Settlement Accounts include designated HKD/USD Statement Savings Accounts and Checking Accounts.
2. Customers should fulfil the following requirements in order to enjoy 0.939% p.a. bonus savings interest rate:
   1. Bonus HKD Savings Interest Rate: Only applicable to buy and sell trades of any HKD-denominated or RMB-denominated securities listed on HKEX, which are conducted through automated trading channels and trading hotline of the Bank, but excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on SSE via the Shanghai-Hong Kong Stock Connect, transactions for securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect and stocks transfer-in transaction. Customers should conduct eligible HK securities buy and sell trades with an accumulated monthly transaction amount of HK$2,000,000 or above (or equivalent) during the designated securities trading period to enjoy bonus interest rate for the first HK$2,000,000 deposit in designated Settlement Accounts (including HKD Statement Savings Accounts and Checking Accounts) in relevant deposit period.
   2. Bonus USD Savings Interest Rate: Only applicable to buy and sell US securities listed on NASDAQ Exchange, New York Stock Exchange or American Stock Exchange through Online Banking, Mobile Banking and trading hotline of the Bank with an accumulated monthly transaction amount of US$200,000 or above during the designated securities trading period to enjoy bonus interest rate for the first US$200,000 deposit in designated Settlement Account (including USD Statement Savings Accounts and Checking Accounts) in relevant deposit period.
   For any deposit account balance that exceeds HK$2,000,000/US$200,000 in designated Settlement Accounts (only applicable to Statement Savings Accounts), the prevailing savings interest rate applicable to a regular HKD/USD Statement Savings Accounts as quoted by the Bank will be applied. The above interest rates (p.a.) are for reference only but not guaranteed. The savings interest rate will be subject to changes in rates quoted by the Bank from time to time. Please click here to check out the latest Savings Interest Rate.
3. Only applicable to personal customers of Personal Banking, Private Wealth and Private Banking who successfully open a Securities Cash Trading account and/or a Securities Margin Trading account with the Bank during the Promotion Period, and do not have any securities accounts either in sole name or joint names with the Bank during the period from October 1, 2025 to March 31, 2026 (both dates inclusive). For New Securities Account held in joint names, only the primary account holder is entitled to enjoy the offers.
4. During the 3-month promotion period after account opening, New Securities Customers can enjoy: (1) A brokerage fee reduction for buying and selling HK stocks through the Bank’s automated trading channels in the form of cash rebate for brokerage fee paid; and/ or (2) HK$100 cash reward for every deposit of eligible stocks in the amount of HK$200,000 or equivalent in market value; and/ or (3) $0 handling fee for setting up Securities Monthly Investment Plans, with HK$50 cash rebates being provided as the handling fee reduction (per monthly contribution per plan). Each eligible customer can enjoy a maximum cash reward of HK$8,888 in total for the 3 securities transactions mentioned above. The Bank will credit the cash rewards into the relevant HKD settlement account of the new securities account according to the date set out in the Terms and Conditions.
5. Only applicable to buy and sell trades of any HKD-denominated or RMB-denominated securities listed on HKEX, which are conducted via the new Securities Accounts through automated trading channels of the Bank; excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on SSE via the Shanghai-Hong Kong Stock Connect and transactions for securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect. The cash reward is the reduction of brokerage fee for securities transactions. New Securities Customers shall first pay in full the standard brokerage fee according to the Bank’s fee schedule for securities trading services. The Bank will credit the eligible brokerage fee reduction amount to the relevant HKD settlement account of the new Securities Account in the form of cash rebate according to the date set out in the Terms and Conditions.
6. Automated trading channels include Mobile Banking, Online Banking and Fortunelink Mobile App of the Bank.
7. Including successful deposit of any 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 from any account outside the Bank via CCASS or by physical scrip.
8. Customers can enjoy HK$0 handling fee offer for setting up Securities Monthly Investment Plans through their Securities Account for each selected securities (which is inclusive of brokerage fee, stamp duty, SFC transaction levy, AFRC transaction levy and trading fee, etc. For details, please refer to our Schedule of Service Fee for Securities Trading Services). The minimum monthly contribution is HK$1,000 per securities and it must be increased in multiples of HK$1,000. The maximum amount for monthly contribution is HK$10,000 per Plan. Customers shall first pay the Securities Monthly Investment Plan handling fee of HK$50 in full (flat HK$50 per monthly contribution per Plan) according to the Bank’s fee schedule for securities trading services. The Bank will then credit the Securities Monthly Investment Plan handling fee reduction amount to the relevant HKD settlement account of the New Securities Account in the form of cash rebate according to the date set out in the Terms and Conditions.
9. Only applicable to new “PREMIER BANKING” customers, "WISE BANKING” customers and general personal banking customers of the Bank registered within the Promotion Period who 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 prior to the date of joining this Program ("Eligible Customers"). Eligible Customers who fulfil the following requirements during the promotion period may collect one Limited Edition 999 Pure Gold Plate or 999 Pure Silver Plate in person at a branch of the Bank on or before June 30, 2026. The reward is limited by quota and is available on a first-come-first-served basis while quota lasts.
   Please refer to the “Terms and Conditions for the New Customers Exclusive Limited Edition 999 Pure Gold Plate Program”/ “Terms and Conditions for the "New Customers Exclusive Limited Edition 999 Pure Silver Plate Program" below for details.
10. Only applicable to subscription transactions of Structured Investment Product (limited to Structured Equity Linked Product only) where the Bank's monetary benefit being more than 2% of the investment amount.
11. Personal Banking Customers who have successfully conducted buy or sell trades of any HKD-denominated or RMB-denominated securities listed on HKEX and US securities listed on NASDAQ Exchange, New York Stock Exchange and American Stock Exchange through automated trading channels (including Online Banking, Mobile Banking and FortuneLink Mobile App) of the Bank (but excluding IPO subscriptions, Securities Monthly Investment Plan transactions, transactions for securities listed on SSE via the Shanghai-Hong Kong Stock Connect, transactions for securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect and stocks deposit transactions); Private Wealth and Private Banking Customers who have successfully conducted any buy or sell trades for HKD-denominated or RMB-denominated securities listed on HKEX, securities listed on SSE via the Shanghai-Hong Kong Stock Connect, securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect and US securities listed on NASDAQ Exchange, New York Stock Exchange and American Stock Exchange (but excluding IPO subscriptions, Securities Monthly Investment Plan transactions and stocks deposit transactions) via any trading channels.
12. Only applicable to personal customers of Personal Banking, Private Wealth and Private Banking, staff of the Bank and the Bank’s affiliates (i) who have not subscribed any Structured Investment Product (limited to Structured Equity Linked Product) from October 1, 2025 to March 31, 2026 (both dates inclusive) or (ii) whose Structured Investment Product (limited to Structured Equity Linked Product) transaction has stock delivery during the period from October 1, 2025 to June 30, 2026 (both dates inclusive). For relevant accounts held in joint name, only the primary account holder is entitled to enjoy the offer.
13. The related fee refers to the New Issues Handling Fee stated in the Bank's fee schedule of securities trading services (but not applicable to International Private Placement).
14. P (Prime Rate) refers to the prevailing Hong Kong Prime Lending Rate as quoted by the Bank from time to time. As low as P-1.75% p.a. preferential financing interest rate is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking who successfully open Securities Margin Trading Account during the promotion period from January 1, 2026 to June 30, 2026 (both dates inclusive) and do not hold any Securities Margin Trading Account whether in sole name or joint names with the Bank during the period from July 1, 2025 to December 31, 2025 (both dates inclusive). Eligible customers can enjoy a preferential financing interest rate P-1.75% p.a. within the month of the Securities Margin Trading Account opening and the subsequent 3 months. (Existing Securities Margin Customers can enjoy a preferential financing interest rate of P-0.5% p.a. during Securities Margin 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. The information is not an investment advice and does not constitute any offer or solicitation to offer or recommendation of any investment product.

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.

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 stock price moves substantially against the investor’s view.

RMB Currency Risk
MB 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.

Exchange Rate Risk
Currency exchange rates are affected by a wide range of factors, including but not limited to 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.

Currency Exchange
Currency exchange involves bid-ask spread.

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.

Disclaimer of Online Investment Trading Services

Disclaimer
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.

Risk Disclosure for Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect