Exclusive Lucky Draw for Private Banking &
Private Wealth Customers

Chance for winning Maldives round-trip business class air tickets for 2 persons and other fabulous prizes

From now until July 31, 2025 (“Promotion Period”)1, CCB (Asia) eligible Private Banking and Private Wealth customers who complete the designated missions can enter the lucky draw to win Maldives Round-Trip Business Class Air Tickets for 2 Persons (valued at HK$100,000) and other fabulous prizes. There will be no limit to the number of lucky draw chances2, the more missions you complete, the more lucky draw chances you will receive!
Prizes No. of Winners Requirements
Maldives Round-Trip Business Class Air Tickets for 2 Persons
(Valued at HK$100,000)		 1 Winner Accumulate
5 lucky draw chances
or above
Cruise Coupon
(Valued at HK$60,000)		 1 Winner
999.9 One Tael Gold Pellet3		 2 Winners
Mandarin Oriental Gift Card
(Valued at HK$5,000)		 5 Winners Accumulate
3 lucky draw chances
or above
Mandarin Oriental Gift Card
(Valued at HK$2,500)		 10 Winners
Designated Missions Details
Account Opening
Account Opening
Become a new Private Banking or Private Wealth customer4 to earn 1 lucky draw chance
Customer Referral
Customer Referral
Existing Private Banking or Private Wealth customers who successfully refer an eligible customer to join as a new Private Banking or Private Wealth customer4 will receive 1 lucky draw chance. The more customers you refer, the more lucky draw chances you will receive!

Click here to get the Private Banking and Private Wealth Customer Referral Application Form

Register for
Online Banking/
Mobile Banking
Register for Online Banking/ Mobile Banking
Register for Online Banking/ Mobile Banking successfully to earn 1 lucky draw chance5
Register as a Professional Investor
Register as a Professional Investor
Register as a Professional Investor to earn 1 lucky draw chance6
Valid Investment Qualifications
Valid Investment Qualifications
  • Maintain a valid “W-8BEN form” record to earn 1 lucky draw chance7
  • Maintain a valid “Investment Profile Questionnaire” record to earn 1 lucky draw chance7
Open Investment Accounts
Open Investment Accounts
Successfully open all of the following investment accounts to earn 1 lucky draw chance8:
Securities Account
Mutual Fund Account
Bond Account
FX Linked Deposit Account
Structured Equity-Linked Investment Account
New Fund Time Deposit
New Fund Time Deposit
Deposit new funds (“Eligible New Fund Balance”)9 and place a 3-month time deposit or above to earn 1 lucky draw chance10 for every HK$1,000,000 (or equivalent)
Structured Equity-Linked Products Subscription
Structured Equity-Linked Products Subscription
Conduct eligible equity-linked products transaction to earn 2 lucky draw chances for every HK$500,000 (or equivalent) invested11
Mutual Fund/ Bond Transaction
Mutual Fund/ Bond Transaction
Conduct eligible mutual fund/ bond transaction to earn 1 lucky draw chance for every HK$500,000 (or equivalent) invested12
FX Linked Deposit – High Yield Deposit Transaction
FX Linked Deposit – High Yield Deposit Transaction
Place and complete eligible FX linked deposit – high yield deposit transaction to earn 1 lucky draw chance for every HK$500,000 (or equivalent) transacted13
Foreign Exchange Transaction
Foreign Exchange Transaction
Conduct eligible foreign exchange transaction via the Bank’s Online Banking or Mobile Banking to earn 1 lucky draw chance for every HK$1,000,000 (or equivalent) transacted14
Securities Trading Transaction
Securities Trading Transaction
Conduct eligible securities transaction through any channel(s) to earn 1 lucky draw chance for every HK$1,000,000 (or equivalent) transacted15
Credit Card Application
Credit Card Application
Get 1 lucky draw chance for each successful credit card application and activate the credit card within one month of issuance
Exclusive lucky draw prizes await. Grab your chance!
Remarks:
  1. The promotion period is from May 19, 2025 to July 31, 2025, both dates inclusive (“Promotion Period”).
  2. There is no limit on the number of lucky draw chances for an eligible customer, and each customer will entitle 1 prize and the total number of lucky draw winner will be 19 customers. To enter the Lucky Draw for the Grand Prize, 2nd Prize and 3rd Prize, customers must accumulate 5 lucky draw chances or above. While to enter the Lucky Draw for the 4th Prize and 5th Prize, customers must accumulate 3 lucky draw chances or above.
  3. The value of a 999.9 One Tael Gold Pellet may vary according to the latest gold market value at the time of prize distribution.
  4. New customers must not maintain any accounts or any banking products or services in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Banking or Private Wealth. The new customer must become a Private Banking or Private Wealth customer of the Bank, and open the savings/ checking account and reach the required minimum amount of the Assets Under Management within the Promotion Period - HK$25,000,000 (or equivalent) for Private Banking; HK$8,000,000 (or equivalent) for Private Wealth.
  5. Only applicable to customers who do not have a record of the Bank’s Online Banking and Mobile Banking as of May 18, 2025.
  6. As defined in section 1 of Part 1 of Schedule 1 to the Securities and Futures Ordinance and Futures (Professional Investor) Rules. To be eligible as a Professional Investor, an individual should have HK$8,000,000 or equivalent in assets, including cash or cash equivalent deposits, stocks, bonds, unit trusts, equity linked investment and other investment products, etc. And only applicable to customers who do not have a related record as of May 18, 2025.
  7. Only applicable to customers who do not have related records as of May 18, 2025. Customers must maintain a valid “Investment Profile Questionnaire” and/or “W-8BEN Form” record during the promotion period. If customers would like to complete the relevant questionnaire and form, please contact the Private Banking/ Private Wealth’s Relationship Mangers.
  8. Open all of the investment accounts (including Securities Account, Mutual Fund Account, Bond Account, Structured Equity-Linked Investment Account and FX Linked Deposit Account) during the promotion period. If customers would like to open the related accounts, please contact the Private Banking/ Private Wealth’s Relationship Mangers.
  9. “Eligible New Fund Balance” refers to the incremental balance when comparing the day end Total Deposit Balance of last calendar day (T-1 day) with the day end Total Deposit Balance as of 3 calendar days ago (T-3 day), after deduction of the sum of principal amount (if applicable) which has been entitled to new fund offer of Time Deposit within the latest 3 calendar days (T day, T-1 day and T-2 day), where T day is today:
    1. Total Deposit Balance refers to the available balance of all deposit accounts, including Savings Accounts and/or Checking Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or as primary holder of joint name accounts).
    2. The Bank reserves the right of final decision should there be any dispute in the definition of New Funds.
  10. Eligible customers are required to place a 3-month or above with a new fund amount of at least HK$1,000,000 (or equivalent) on or before July 31, 2025.
  11. Eligible Equity-Linked Product Transaction is only applicable to subscription transaction of structured equity-linked products where the Bank's monetary benefit being not less than 2% of the investment amount.
  12. Eligible Mutual Fund / Bond Transaction must be settled within the Promotion Period and only include(s):
    1. New subscription or switching under the Mutual Fund Investment Service with net fee equal to or not less than 1.5%; and/or
    2. New subscription under the Bond Investment Service (except the bond subscription through initial public offering), excluding new transaction where the Bank’s monetary benefit is not more than 1% of the investment amount.
  13. Eligible FX Linked Deposit - High Yield Deposit Transaction must be settled within the Promotion Period and only include(s) new transaction 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).
  14. Eligible Foreign Exchange Transaction exclude Foreign Exchange transaction between HKD and USD, and Foreign Exchange transaction made via remittance, mutual fund subscription/ switching/ redemption, bill payment service and transfers via Cross Border Long Card.
  15. Eligible Securities Trading Transaction is only applicable to the buy or sell trade of any HKD-denominated or RMB-denominated securities listed on the Stock Exchange of Hong Kong Limited (“HKEX”), and USD-denominated US securities listed on NASDAQ Exchange, New York Stock Exchange or American Stock Exchange; excluding IPO subscription, Securities Monthly Investment Plan transaction, transaction for securities listed on Shanghai Stock Exchange (“SSE”) via the Shanghai-Hong Kong Stock Connect and transaction for securities listed on Shenzhen Stock Exchange (“SZSE”) via the Shenzhen-Hong Kong Stock Connect.

The above services are bound by terms and conditions. For details, please refer to the relevant terms and conditions or contact our staff.
Share : facebook icon
social media button

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

Private Banking Hotline: (852) 3718 3779

Private Wealth Hotline: (852) 3918 6883


Terms & Conditions
Terms and Conditions for CCB (Asia) Private Banking and Private Wealth Customers Lucky Draw Promotion (the “Promotion”)

A. General Terms and Conditions
  1. The promotion period is from May 19, 2025 to July 31, 2025 (both dates inclusive) (“Promotion Period”).
  2. The Promotion is not applicable to staff of China Construction Bank (Asia) Corporation Limited (the “Bank”) and the Bank’s affiliates, and Capital Investment Entrant Scheme customers.
  3. Under this promotion,
    1. Definition of Eligible Customer:
      1. Refers to a New Customer who did not maintain any account or use any banking product or service in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining Private Banking or Private Wealth of the Bank; and opens a savings/checking account within the Promotion Period.
      2. Refers to Existing Private Banking and Private Wealth customers.
  4. For cases involving a joint name account, only the primary account holder will be eligible to enter the Private Banking and Private Wealth Lucky Draw Promotion (the “Lucky Draw”).
  5. If a customer is also entitled to other promotional offers of the Bank, the Bank reserves the right of final decision for providing the related offers to the customer.
  6. If a customer terminates or cancels any of the relevant services in respect of which offers would be awarded, or no longer holds any valid Private Banking or Private Wealth account with the Bank before or at the time of receiving the relevant offers, he/she will be disqualified from entitlement to the offers.
  7. If an Eligible Customer terminates his/her Private Banking or Private Wealth account within 12 months of joining, the customer shall pay the Bank a handling charge of HK$2,500 and such other charges as the Bank may determine from time to time. Please contact our staff for details.
  8. Customers are required to pay all such other securities trading service fee(s), including but not limited to transaction levy, trading fee, stamp duty, handling fee, securities management fee, transfer fee and deposit of stocks fee (if applicable). For details, please refer to the Bank’s fee schedule of securities trading services. In addition, customers are responsible for any fees and charges which may be levied by the third-party financial institution/bank for stock transfer-out arrangement.
  9. The investment services of the Bank are subject to the related Terms and Conditions issued by the Bank from time to time; please visit our branches or contact our staff for details.
  10. The Bank reserves the right to suspend, modify or terminate the Promotion and change these Terms and Conditions at any time without prior notice.
  11. 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.
  12. The Bank has the final discretion on account opening.
  13. In case of any inconsistency between the 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. Private Banking and Private Wealth Lucky Draw Promotion
  1. Eligible Customers must fulfil the following requirements during the promotion period in order to be entitled to the related Lucky Draw chances.
    Requirement(s) Lucky Draw Chance(s)
    Become a new Private Banking or Private Wealth customer successfully. 1 Chance
    Existing Private Banking or Private Wealth customer successful refer eligible customers to join as new Private Banking or Private Wealth customer. 1 Chance
    (For each successful referral)
    Successfully registered Mobile Banking or Online Banking; only applicable to customers who do not have bank record on May 18, 2025. 1 Chance
    Successfully registered as Professional Investor; only applicable to customers who do not have bank record on May 18, 2025. 1 Chance
    Maintain a valid “W-8BEN form” record; only applicable to customers who do not have bank record on May 18, 2025. 1 Chance
    Maintain a valid “Investment Profile Questionnaire”; only applicable to customers who do not have bank record on May 18, 2025. 1 Chance
    Successfully opened all of the investment accounts, including Securities Account, Mutual Fund Account, Bond Account, Structured Equity-Linked Investment Account and FX Linked Deposit Account. 1 Chance
    Placed a 3-month time deposit or above for every new fund amount of HK$1,000,000 (or equivalent) 1 Chance
    Every HK$500,000 (or equivalent) eligible Structured Equity-Linked Product transaction 2 Chances
    Every HK$500,000 (or equivalent) eligible Mutual Fund transaction 1 Chance
    Every HK$500,000 (or equivalent) eligible Bond transaction 1 Chance
    Every HK$500,000 (or equivalent) eligible FX Linked Deposit – High Yield Deposit transaction 1 Chance
    Every HK$1,000,000 (or equivalent) eligible Foreign Exchange transaction 1 Chance
    Every HK$1,000,000 (or equivalent) eligible Securities transaction 1 Chance
    Completed credit card application and activate the credit card within one month of issuance 1 Chance
    (For each completion of application and activation)
    1. There is no limit on the number of lucky draw chances for eligible customers. Each customer will entitle 1 prize and the total number of lucky draw winner will be 19 customers. To enter the Lucky Draw for the Grand Prize, 2nd Prize and 3rd Prize, customers must accumulate 5 lucky draw chances or above. While to enter the Lucky Draw for the 4th Prize and 5th Prize, customers must accumulate 3 lucky draw chances or above. Details are as follows:
      Prize Value No. of Winner(s)
      Grand Prize Maldives Round- Trip Business Class Air Tickets for 2 persons HK$100,000 1
      2nd Prize Cruise Coupon HK$60,000 1
      3rd Prize 999.9 OneTael Gold Pellet The value may vary according to the latest gold market value at the time of prize distribution 2
      4th Prize Mandarin Oriental Gift Card HK$5,000 5
      5th Prize Mandarin Oriental Gift Card HK$2,500 10
    2. The prize cannot be transferred, refunded, or exchanged for cash or other prizes.
    3. Winners will be drawn randomly by the computer system of the Bank on or before September 30, 2025. The winner will be contacted by the Bank’s staff, and the result announcement will be published on the Bank’s website on or before October 31, 2025. Customers do not have any right to dispute the results.
    4. The bank account of the winner must remain valid at the time of the prize distribution; otherwise, the prize will be forfeited.
    5. The Maldives Round-Trip Business Class Air Tickets for 2 persons, Cruise Coupon and Mandarin Oriental Gift Card are provided by the prize suppliers and are subject to its terms and conditions. The winners must redeem their prize within the validity period stated under the terms and conditions; no reissue of the travel coupon will be arranged due to expiry of the validity period. The Bank shall not act as, or assume any liability of, a prize supplier or its agent. Any claim, complaint, or dispute concerning the prizes must be referred to and resolved directly between the supplier and the winner, which shall in no way relieve such customer from his/her obligations to the Bank (if any).
    6. The Bank reserves the right to replace the prize with any alternative gift without prior notice.
    7. In the event of any dispute arising from the lucky draw, the Bank’s decision shall be final and conclusive.
  2. New Private Banking and Private Wealth Customer
    1. An Eligible Customer must open a Savings or Checking account with the Bank and become a new Private Banking or Private Wealth customer of the Bank within the Promotion Period. And maintain the designated Assets Under Management of HK$25,000,000 (or equivalent) for Private Banking; HK$8,000,000 (or equivalent) for Private Wealth within the Account Opening Month.
    2. 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 CCB (Asia) Insurance Broker Limited on a regular basis, whichever is higher, of the insurance plan(s) purchased through CCB (Asia) Insurance Broker Limited (“Insurance Balance”), and regarding the Insurance Balance, CCB (Asia) Insurance Broker Limited’s record shall prevail, the Bank takes no responsibility for its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance on such Insurance Balance; less
        4. any of the Customer’s temporary overdrafts that remain unpaid.
      2. For the purpose of assessing the value of total premium paid or cash value/policy value of the Customer's insurance plan as referred to in Clause 15.b (i)(c) above, the Customer hereby consents to and authorizes the Bank to obtain information/documents in relation thereto from CCB (Asia) Insurance Broker Limited (if the Bank determines it as necessary) without prior notice to the Customer.
      3. There may be a time lag before the balance of certain investment transaction 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.
  3. Private Banking and Private Wealth Customer Referral
    1. A referrer must be an existing Private Banking or Private Wealth customer (collectively referred to as “Referrer”) of China Construction Bank (Asia) Corporation Limited (the “Bank”), and must not be a staff member of the Bank or the staff of the subsidiary companies of China Construction Bank.
    2. The Referee must fulfill the following criteria:
      A new customer who did not maintain any account or any banking product or service in sole name or joint name (excluding credit card accounts) with the Bank in the past 12 months from the date of joining CCB (Asia) Private Banking or Private Wealth and opening the Designated Bank Account, and must not be a staff of the Bank or the staff of the subsidiary companies of China Construction Bank.
    3. The Referrer will be entitled to the lucky draw chance once the following requirements are fulfilled:
      1. The Referrer must successfully refer the above-mentioned eligible customer (“Referee”) to join CCB (Asia) Private Banking or Private Wealth within the Promotion Period and open a HKD Checking/Saving account (“Designated Bank Account”) on or before July 31, 2025; and
      2. The Referral Application Form must be filled in by the Referee and successfully submitted to the Private Banking or Private Wealth Center of the Bank within the Promotion Period; and
      3. The Referee must maintain the Private Banking or Private Wealth customer status (the required minimum amount of the Assets Under Management is HK$25,000,000 (or equivalent) for Private Banking; HK$8,000,000 (or equivalent) for Private Wealth) and maintain a Designated Bank Account at the time when the Bank performs the Lucky Draw.
      4. To be eligible for the lucky draw chance, Referrer and Referee must provide an accurate name (must be the same as the identification document) and mobile phone number (must be the same as the Bank’s record) on the CCB (Asia) Private Banking or Private Wealth Customer Referral Application Form. By providing relevant information to the Bank, the Referrer and the Referee agree to be bound by the relevant terms and conditions.
      5. Referrer and Referee cannot refer each other. The Referrer and the Referee cannot be the same person. If the Referee joins Private Banking or Private Wealth and opens a Designated Bank Account under joint name with the Bank, the Referrer is eligible for the lucky draw chance once only. If the Referrer is one of the account holders of a new Designated Bank Account and Private Banking or Private Wealth Service account under joint name, Referrer is not eligible for the lucky draw chance.
      6. The Bank reserves the right to contact the Referrer to verify the Referrer information. The information is only used for confirming the eligibility of the lucky draw chance entitlement.
  4. Register Mobile Banking or Online Banking
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled:
      1. Only applicable to customers who do not have Mobile Banking or Online Banking record on May 18, 2025.
      2. Successfully registered Mobile Banking/ Online Banking during promotion period will be entitled to one lucky draw chance.
  5. Register as Professional Investor
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled:
      1. Only applicable to customers who do not have Professional Investor record on May 18, 2025.
      2. Successfully registered as Professional Investor during promotion period will be entitled to one lucky draw chance.
  6. Valid “W-8BEN Form” Record
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled:
      1. Only applicable to customers who do not have “W8BEN Form” record on May 18, 2025.
      2. Successfully maintained valid “W-8BEN Form” record during promotion period will be entitled to one lucky draw chance.
  7. Valid “Investment Profile Questionnaire” Record
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled:
      1. Only applicable to customers who do not have “Investment Profile Questionnaire” record on May 18, 2025.
      2. Successfully maintained valid “Investment Profile Questionnaire” record during promotion period will be entitled to one lucky draw chance.
  8. Open Investment Accounts
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Successfully open all the investment accounts, including Securities Account, Mutual Fund Account, Bond Account, Structured Equity-Linked Investment Account and FX Linked Deposit Account will be entitled to one lucky draw chance.
  9. New Fund Time Deposit
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Place a 3-month time deposit or above for every new fund amount of HK$1,000,000 (or equivalent) will be entitled to one lucky draw chance.
    2. “New Funds Balance” refers to the incremental balance when comparing the latest Total Deposit Balance with the day-end Total Deposit Balance as of 3 calendar days ago (T-3 day), after deduction of the sum of principal amount (if applicable) which has been entitled to new fund offer of Time Deposit within the latest 3 calendar days (T day, T-1 day and T-2 day), where T day is today:
      1. Total Deposit Balance refers to the available balance of all deposit accounts, including Saving Accounts and/or Checking Accounts and Time Deposits of Hong Kong Dollar and foreign currencies (whether accounts in sole name or as primary holder of joint name accounts).
      2. The Bank reserves the right of final decision should there be any dispute in the definition of New Funds.
    Notes: Eligible New Fund Balance is affected by individual factors, mainly including 1) the check deposit cut-off time on the check deposit day and 2) public holiday, long weekend and the day falling into typhoon. Please refer to the detail and examples on the time deposit product page on our website or contact our bank staff for more details.
  10. Structured Equity-Linked Products Transaction
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Only applicable to subscription transaction of structured equity-linked products where the Bank's monetary benefit is not less than 2% of the investment (“Eligible Equity-Linked Products Transaction”); AND
      2. For every HK$500,000 (or equivalent) transaction along with conducting Eligible Equity-Linked Products Transaction will entitle two lucky draw chances.
  11. Mutual Fund/ Bond Transaction
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Only applicable to conduct the Eligible Mutual Fund/ Bond Transaction (as defined in clause 24 (b)); AND
      2. For every HK$500,000 (or equivalent) Eligible Mutual Fund/ Bond Transaction will be entitled to one lucky draw chance.
    2. “Eligible Mutual Fund/ Bond Transaction” is defined as (i) New subscription or switching under the Mutual Fund Investment Service with net fee equal to or higher than 1.5%; and/or (ii) new subscription under the Bond Investment Service (except the bond subscription through initial public offering), excluding new transaction where the Bank’s monetary benefit is not more than 1% of the investment amount.
  12. FX Linked Deposit – High Yield Deposit Transaction
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Only applicable to conduct the transaction of FX Linked Deposit – High Yield Deposit Transaction (as defined in clause 25(b)); AND
      2. For every HK$500,000 (or equivalent) Eligible FX Linked Deposit - High Yield Deposit Transaction will be entitled to one lucky draw chance.
    2. Eligible FX Linked Deposit - High Yield Deposit Transaction only includes new transaction of FX Linked Deposit - High Yield Deposit with a deposit period of 14 calendar days or above (for each relevant deposit, the deposit principal will be regarded as the transaction amount).
  13. Foreign Exchange Transaction
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Only applicable to conduct the Foreign Exchange Transaction via the Bank’s Mobile Banking or Online Banking; AND
      2. For every HK$1,000,000 (or equivalent) Eligible Foreign Exchange Transaction will be entitled to one lucky draw chance.
    2. Eligible Foreign Exchange Transaction excludes Foreign Exchange transaction between HKD and USD, and Foreign Exchange transaction made via remittance, mutual fund subscription/ switching/ redemption, bill payment service and transfers via Cross Border Long Card. If the Eligible Foreign Exchange Transaction does not involve HKD, the HKD equivalent cumulative transaction amount will be calculated based on the exchange rate of the currency bought by the customer as determined by the Bank on the date of transaction. In case of any disputes, the decision of the Bank on calculation of the transaction amount shall be final.
  14. Securities Transaction
    1. The eligible customer will be entitled to the lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Only applicable to conduct the Eligible Securities Transaction (as defined in clause 27(b)) via any channel(s); AND
      2. For every HK$1,000,000 (or equivalent) Eligible Securities Transaction, will be entitled to one lucky draw chance.
    2. “Eligible Securities Transaction” is defined as buy or sell trade of any HKD-denominated or RMB-denominated securities listed on HKEX, which is conducted via any channels in the Bank; USD-denominated US securities listed on NASDAQ Exchange, New York Stock Exchange, and American Stock Exchange; excluding IPO subscription, Securities Monthly Investment Plan transaction, transaction for securities listed on SSE via the Shanghai-Hong Kong Stock Connect, and transaction for securities listed on SZSE via the Shenzhen-Hong Kong Stock Connect.
  15. Credit Card Application
    1. The eligible customer will be entitled to lucky draw chance once the following requirements are fulfilled during the promotion period:
      1. Successfully apply for each CCBA credit card; AND
      2. Activate the credit card within one month of issuance.

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

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.

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.

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
Structured Equity-linked Product are structured products involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. 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 lose up to the entire investment amount if the underlying stock price moves substantially against the investor's view.

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.

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.

FX Linked Deposit
FX Linked Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. FX linked deposit is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. 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. While some FX linked deposit types are principal-protected conditionally, others are not principal-protected, when the fluctuation of the linked exchange rates differs from what the customer expected, the customer may have to bear the loss. FX Linked Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX linked deposit and it is not collateralized. The Bank can early terminate the FX linked deposit.

FX Linked Deposit - High Yield Deposit
FX Linked Deposit - High Yield Deposit is a structured product involving derivatives. It is not equivalent to or an alternative of time deposits. It is not a protected deposit, and is not protected by the Deposit Protection Scheme in Hong Kong. This product is an unlisted investment product and is not protected by the Investor Compensation Fund, customer is subject to the credit and insolvency risk of the Bank. Investing in this product is not the same as buying the linked currency directly. Its return is limited to the interest payable, which will be dependent on movements in some linked exchange rate. 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. FX Linked Deposit - High Yield Deposit is designed to be held till maturity, customer does not have the right to early terminate this product. There is no secondary market for the FX Linked Deposit - High Yield Deposit and it is not collateralized. The Bank can early terminate this product.

Interest Rate Risk
If the client’s investments are interest rate-linked (such as bonds), the value of the investment can fall when interest rates rise. There is an inverse relationship between bond prices and bond yield, which means as bond prices go down, the yields go up (and vice versa). The price of a bond carries an interest rate risk because if interest rates rise, outstanding bonds will not remain competitive unless their yields and prices are adjusted to reflect the rise.

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
This promotion material does not constitute advice to buy or sell, or an offer with respect to any investment and 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.