Wealth Products Transaction Rewards Promotion
Converging Your Wealth for a Blooming Future and Enjoy up to HK$32,888 Cash Reward
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.
- 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 advice before making any investment decision.
CCB (Asia) provides a wide range of wealth management plans to help you seize the opportunity in growing your wealth and to bring you a world of rewards.
From October 3 to December 31, 2023 eligible customers1 who have successfully placed and completed transactions of respective investment products and fulfilled designated requirements can enjoy the following double rewards up to HK$32,888 Cash Reward!
During the promotion period, Eligible Investment Products Customers2 who have placed and completed transactions of Mutual Fund, Bond and/or Structured Equity-Linked Product (“Designated Investment Products Transactions”) reaching the aggregated amount can enjoy up to HK$28,888 cash reward!
| Designated Investment Products Aggregated Transaction Amount |
Cash Reward | |
| HK$8,000,000 or above | HK$28,888 | |
| HK$5,000,000 to below HK$8,000,000 | HK$12,500 | |
| HK$1,000,000 to below HK$5,000,000 | HK$2,400 | |
| HK$500,000 to below HK$1,000,000 | HK$1,000 | |
| HK$200,000 to below HK$500,000 | HK$400 |
During the promotion period, Eligible FX Linked Deposit Customers3 who have placed and completed FX Linked Deposit - High Yield Deposit transactions reaching the aggregated amount can enjoy up to HK$4,000 cash reward!
| FX Linked Deposit - High Yield Deposit Aggregated Transaction Amount |
Cash Reward | |
| HK$5,000,000 or above | HK$4,000 | |
| HK$2,000,000 to below HK$5,000,000 | HK$1,600 | |
| HK$500,000 to below HK$2,000,000 | HK$400 |
Total Rewards
up to HK$32,888
The higher the value of total transaction amount,
the more cash reward you can earn!
the more cash reward you can earn!
Remarks:
- The Program is only applicable to PREMIER SELECT / PREMIER BANKING personal banking customers of China Construction Bank (Asia) Corporation Limited (the “Bank”) who hold any Savings Account or Checking Account (in sole name or joint names), but not applicable to Private Banking customers (inclusive of Private Wealth), Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers of the Bank.
- Designated Investment Products Transaction Reward (“Reward 1”) is only applicable to Eligible Customers who have not placed and settled any transactions for all the 3 types of investment products (i)Mutual Fund Investment Service, (ii)Bond Investment Service, (iii)Structured Equity-Linked Product Investment Service (“Designated Investment Products”) from April 1, 2023 to September 30, 2023 (both dates inclusive) (“Eligible Investment Products Customers”).
- FX Linked Deposit - High Yield Deposit Transaction Reward (“Reward 2”) is only applicable to Eligible Customers who have not placed and settled any transactions for FX Linked Deposit - High Yield Deposit in any form in the Bank during the period from April 1, 2023 to September 30, 2023 (both dates inclusive) (“Eligible FX Linked Deposit Customers”).
The above offers and services are bound by related terms and conditions. For details, please refer to below terms and conditions.
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Terms & Conditions
Terms and Conditions for Wealth Products Transaction Rewards (the “Program”)
A. General Terms and Conditions
- The promotion period is from October 3, 2023 to December 31, 2023, both dates inclusive (“Promotion Period”).
- The Program is only applicable to PREMIER SELECT / PREMIER BANKING personal banking customers of China Construction Bank (Asia) Corporation Limited (the “Bank”) who hold any Savings Account or Checking Account (in sole name or joint names), but not applicable to Private Banking customers (inclusive of Private Wealth), Commercial Banking customers, corporate customers and Capital Investment Entrant Scheme customers of the Bank. The Bank reserves the right to determine the eligibility of the customers for this Program.
- During the Promotion Period, an Eligible Customer will be entitled to each of the Designated Investment Products Cash Reward and FX Linked Deposit - High Yield Deposit Transaction Cash Reward as specified under section B below once only. If more than one account holder is involved, only the primary account holder will be eligible for the cash reward(s).
- If an Eligible Customer is entitled to the below offer in conjunction with other promotional offers (including but not limited to promotional offers related to Wealth Management Connect), the Bank reserves the right to grant part or all of the offers entitled by the Eligible Customer.
- In addition to the requirements listed under section B below, an Eligible Customer must fulfill the conditions of the Program and must still be a valid PREMIER SELECT / PREMIER BANKING customer of the Bank when receiving the reward under the respective offer. Otherwise, the reward will be forfeited and will not be provided to the Eligible Customer through any other means.
- The Bank reserves the right to suspend, modify or terminate the Program and change these Terms and Conditions at any time without prior notice.
- 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 discrepancy between the English and the Chinese versions of these Terms and Conditions, the English version shall prevail.
- In case of any dispute, the decision of the Bank shall be final and binding.
B. Offers Details
- Designated Investment Products Reward (“Reward 1”)
- Reward 1 is only applicable to Eligible Customers who have not placed and settled any transactions for all the 3 types of investment products : (i)Mutual Fund Investment Service, (ii)Bond Investment Service, (iii)Structured Equity-Linked Product Investment Service (“Designated Investment Products”) from April 1, 2023 to September 30, 2023 (both dates inclusive) (“Eligible Investment Products Customers”).
- The cash reward will be offered to Eligible Investment Products Customers who have placed and settled one or more Designated Investment Products Transactions (as defined in Clause 10(c) below) during the Promotion Period and fulfilled the aggregated transaction amount as set out below (“Designated Investment Products Cash Reward”). If Eligible Customers have placed and settled any transactions of the investment products as listed in Clause 10(a) from April 1, 2023 to September 30, 2023 (both dates inclusive), the new transactions under the same type of designated investment products carried out during the Promotion Period will not be deemed as the aggregated transaction amount calculated by the Bank.
Designated Investment Products Aggregated Transaction Amount
(HKD or equivalent)Designated Investment Products Cash Reward HK$8,000,000 or above HK$28,888 HK$5,000,000 to below HK$8,000,000 HK$12,500 HK$1,000,000 to below HK$5,000,000 HK$2,400 HK$500,000 to below HK$1,000,000 HK$1,000 HK$200,000 to below HK$500,000 HK$400 - Designated investment products transactions (“Designated Investment Products Transactions”) must be settled within the Promotion Period and only include(s):
- Subscriptions / Switchings under the Mutual Fund Investment Service, with net fee charged equal to or higher than 1.5%; and/or
- New subscriptions under the Bond Investment Service (except the bond subscription through initial public offering), excluding new transactions where the Bank’s monetary benefit is not more than 1% of the investment amount; and/or
- New subscriptions under the Structured Equity-Linked Product Investment Service, excluding new transactions where the Bank’s monetary benefit is not more than 1% of the investment amount.
When calculating the Designated Investment Products Cash Reward, the calculation of the Designated Investment Products Transactions amount will be based on the transaction amount made on the date of transaction and the aggregated transaction amount will be based on the requirements as set out in the table in Clause 10(b).
- FX Linked Deposit - High Yield Deposit Transaction Reward (“Reward 2”)
- Reward 2 is only applicable to Eligible Customers who have not placed and settled any transactions for FX Linked Deposit - High Yield Deposit in any form in the Bank during the period from April 1, 2023 to September 30, 2023 (both dates inclusive) (“Eligible FX Linked Deposit Customers”).
- The cash reward will be offered to Eligible FX Linked Deposit Customers who have placed and settled one or more FX Linked Deposit - High Yield Deposit Transactions (as defined in Clause 11(c) below) during the Promotion Period and fulfilled the aggregated transaction amount as set out below (“FX Linked Deposit - High Yield Deposit Transaction Cash Reward”).
FX Linked Deposit - High Yield Deposit Aggregated Transaction Amount
(HKD or equivalent)FX Linked Deposit - High Yield Deposit Transaction Cash Reward HK$5,000,000 or above HK$4,000 HK$2,000,000 to below HK$5,000,000 HK$1,600 HK$500,000 to below HK$2,000,000 HK$400 - FX Linked Deposit - High Yield Deposit Transactions (“FX Linked Deposit - High Yield Deposit Transactions”) must be settled within the Promotion Period and only include(s) new transactions of FX Linked Deposit - High Yield Deposit with deposit period of 14 calendar days or above (for each relevant deposit, the deposit principal will be regarded as the transaction amount).
When calculating the FX Linked Deposit - High Yield Deposit Transaction Cash Reward, the calculation of the FX Linked Deposit - High Yield Deposit Transaction amount will be based on the transaction amount made on the date of transaction and the aggregated transaction amount will be based on the requirements as set out in the table in Clause 11(b).
- The calculation of the Designated Investment Products Aggregated Transaction Amount and FX Linked Deposit - High Yield Deposit Aggregated Transaction Amount will be calculated in Hong Kong Dollar. If the relevant Designated Investment Products Transactions and/or FX Linked Deposit - High Yield Deposit Transactions are executed in foreign currency, the prevailing exchange rate as quoted by the Bank on the date as determined by the Bank will be adopted for the aggregated transaction amount for converting from the foreign currency to HKD equivalent, which will be used to calculate the Designated Investment Products Aggregated Transaction Amount and the FX Linked Deposit - High Yield Deposit Aggregated Transaction Amount.
- Each Eligible Customer can enjoy a maximum amount of HK$32,888 cash reward under the Program in the entire Promotion Period. Cash reward(s) of the Program will be credited directly to the Eligible Customer’s relevant settlement account associated with Packaged Banking (if applicable) or a valid HKD checking/savings account (excluding “Step Up Savings Account”) opened most recently on or before February 29, 2024. An Eligible Customer must fulfill the conditions of the Program and maintain as the Bank’s valid PREMIER SELECT / PREMIER BANKING customer at the time of receipt of reward under the respective offer.
- The Bank reserves the right to determine the Designated Investment Products Aggregated Transaction Amount and the FX Linked Deposit - High Yield Deposit Aggregated Transaction Amount based on the Bank’s system record and verify the Eligible Customer’s transactions record in calculating the Eligible Customer’s eligibility. Each Designated Investment Products Transactions and/or FX Linked Deposit - High Yield Deposit Transactions shall be counted once under this Program. In case of any dispute, the Bank’s decision shall be final and binding.
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.
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 - High Yield Deposit
FX Linked Deposit - High Yield 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 - High Yield Deposit types are principal-protected conditionally, others are not principal-protected. The FX Linked Deposit - High Yield 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 - High Yield 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 the FX Linked Deposit - High Yield Deposit he may get back. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate the FX Linked Deposit - High Yield Deposit.
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.
Disclaimer
This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment products. The promotion materials 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.
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.
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 - High Yield Deposit
FX Linked Deposit - High Yield 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 - High Yield Deposit types are principal-protected conditionally, others are not principal-protected. The FX Linked Deposit - High Yield 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 - High Yield 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 the FX Linked Deposit - High Yield Deposit he may get back. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate the FX Linked Deposit - High Yield Deposit.
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.
Disclaimer
This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment products. The promotion materials 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.