1. The promotion period is from October 1, 2025 to December 31, 2025, both dates inclusive ("Promotion Period").
2. During the Promotion Period, new Private Wealth customers of China Construction Bank (Asia) Corporation Limited (“Bank”), and selected customers who received SMS invitation, eDM invitation, Push Notification of Mobile Banking, and/or phone invitation (based on the Bank’s phone records and delivery records) from the Bank in the Promotion Period ("Eligible Customers") can enjoy 6.88% p.a. preferential Time Deposit interest rate for new Private Wealth customers (“Preferential Interest Rate”) (only applicable to “Eligible Funds” as defined in clause 5). The Offer is not applicable to:
   1. Non-personal banking customers; or
   2. Capital Investment Entrant Scheme customers, commercial customers 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 or during the Promotion Period).
3. Eligible Customers of new Private Wealth customers must not maintain any account or any banking products or services in sole name or joint name (excluding Credit Card Account) with the Bank in the past 12 months.
4. Eligible Customers must place a 3-month time deposit with the designated currency during the Promotion Period. Designated Currency including HKD, USD, RMB, NZD, AUD, GBP, EUR, CAD, SGD, ZAR.
5. Eligible Funds refer to the 10% of the customer’s Assets Under Management, limited to HKD 500,000 or its equivalent. Under this promotion, Assets Under Management is defined as follows:
   1. A customer's Assets Under Management shall be calculated by the Bank in accordance with:
      1. the customer's deposit balances in all deposit accounts at the Bank held in the Customer's sole name, and in any such account at the Bank held jointly by the customer with any other person(s) (excluding the balance of a dedicated investment account for Wealth Management Connect Northbound Scheme maintained with CCB in Mainland); and
      2. the customer's investment balance which shall be calculated with reference to the balance in any investment account at the Bank in the customer's sole name, and in any such account at the Bank held jointly by the customer with any other person(s); and
      3. The value of total premium paid or cash value/policy value as provided by licensed insurance broker companies introduced or referred by the Bank (collectively referred as to “Insurance Brokers”) on a regular basis, whichever is higher, of the insurance purchased plan(s) purchased through the Insurance Brokers (“Insurance Balance), and regarding the Insurance Balance, Insurance Broker’s record shall prevail, the Bank takes no responsibility to its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance of such Insurance Balance; less
      4. any of the Customer's temporary overdrafts that remain unpaid.
   2. For the purpose of this promotion program, the Customer hereby consents to and authorizes the Bank to obtain necessary information/documents in relation to the Insurance Balance from the Insurance Brokers without prior notice to the Customer.
   3. There may be time lag before the balance of certain investment transactions and the Insurance Balance will be included in the Assets Under Management due to the processing time required and therefore may affect the Assets Under Management. In such circumstances, the Bank has the absolute sole discretion to determine the investment balance and the Insurance Balance.
6. The number of eligible customers is limited, first come first served. Each eligible customer can only enjoy this preferential time deposit interest rate once during the promotion period.
7. The Offer is only applicable to time deposit placed through the Private Wealth’s Relationship Managers over the phone or at our Private Wealth Center (“Designated Channels”), which is not applicable for the time deposit being conducted through the other channels of the Bank, e.g. mobile banking, online banking, phone banking and/or Smart Teller Machine etc.
8. The Bank reserves the right to amend, suspend, cancel or terminate these promotions and amend the Promotional Terms and Conditions any time without prior notice, and shall not be responsible for any costs, expenses, losses or liabilities incurred.
9. In case of any dispute arising out of or in connection with these promotions, the decision of the Bank shall be final and binding on the Customers.
10. In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Risk Disclosure

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.