Seize Market Opportunities with Enhanced FX Services

Terms and Conditions for Foreign Exchange (“FX”) Promotion (the “Promotion”)

A. General Terms and Conditions:

1. The promotion period of this Promotion is from January 1, 2025 to March 31, 2025 (both dates inclusive) (the “Promotion Period”).
2. China Construction Bank (Asia) Corporation Limited (the “Bank”) reserves the right to vary, suspend and terminate the Promotion and to vary or modify any of these Terms and Conditions from time to time without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
3. If there is any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

B. Terms and Conditions for Exchange Rates Prediction Rewards (“Offer 1”):

1. Customers who fulfil the requirements below are eligible to participate in the Offer 1 (“Offer 1 Eligible Customer(s)”):
   1. Offer 1 is only applicable to personal customers of Personal Banking of the Bank, and not applicable to Private Wealth and Private Banking customers, staff of the Bank and the Bank’s affiliates, Corporate customers, Commercial Banking customers, Capital Investment Entrant Scheme customers and investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank; and
   2. Customers must successfully complete at least one FX transaction of HK$10,000 or above (or equivalent) via the Bank’s Mobile Banking or Online Banking during the respective phase (including HKD, USD, GBP, JPY, EUR, CHF, AUD, CAD, NZD, SGD and RMB; but excluding FX transactions between HKD and USD, and FX transactions conducted via remittance, mutual fund subscription, bill payment service and transfer via Cross Border Long Card) (“Eligible FX Transaction(s)”); and
   3. Customers must register via the Bank’s website during the Registration Period for each phase as listed below and submit the Closing Exchange Rate prediction of the designated currency pair on the designated date.

      Phase	Registration Period	Designated Currency Pair	Designated Date for Prediction of Closing Exchange Rate for Designated Currency Pair
      1	10 am on January 1, 2025 to 11:59 pm on January 31, 2025	JPY/HKD	February 28, 2025
      2	10 am on February 3, 2025 to 11:59 pm on February 28, 2025	AUD/HKD	March 31, 2025
      3	10 am on March 3, 2025 to 11:59 pm on March 31, 2025	GBP/HKD	April 30, 2025

2. During each phase, Offer 1 Eligible Customer with the closest prediction to the actual Closing Exchange Rate will win a HK$5,000 cash reward (“Offer 1 Winner”). There is only one Offer 1 Winner for each phase. If more than one Offer 1 Eligible Customer predicts the Closing Exchange Rate accurately, the cash reward will be granted to the customer who submits the Registration Form the earliest in that phase; if more than one Offer 1 Eligible Customer who predicts the Closing Exchange Rate accurately and submits the Registration Form at the same time, the cash reward will be granted to the customer who completes the Eligible FX Transactions the earliest in that phase. By joining all the phases, customers could win up to HK$15,000 cash reward in total.
3. The Closing Exchange Rate refers to the market bid rate at 6 am Hong Kong time (or 5 am during daylight saving time) of the next day provided by Refinitiv. The Closing Exchange Rate will be based on that which is displayed on the chart of the FX Widget in the Bank’s Mobile Banking and Online Banking. In case of any dispute, the decision of the Bank on the Closing Exchange Rate shall be final.
4. Registration Form will not be accepted if Offer 1 Eligible Customers submit it outside the Registration Period of each phase. The registration time is determined by the Bank’s system record.
5. If Offer 1 Eligible Customers submit the registration form multiple times during the same phase, only the information from the latest submission will be accepted.
6. If Offer 1 Eligible Customers input more than 4 decimal places in the Closing Exchange Rate prediction, the figures after four decimal places will be disregarded.
7. If the Eligible FX Transaction does not involve HKD, the HKD equivalent transaction amount will be calculated based on the exchange rate (of the currency bought by the customer) 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.
8. The Bank will credit the cash reward to the Offer 1 Winner’s Packaged Banking Settlement Account or their HKD Savings / Checking account (excluding “Step Up Savings Account”) with the latest account opening date maintained with the Bank on or before June 30, 2025. Such account must be valid at the time of crediting the cash reward, otherwise, the cash reward will be forfeited.
9. In the event of any dispute arising from Offer 1, the Bank’s decision shall be final and conclusive.

C. Terms and Conditions for Online FX Cash Reward (“Offer 2”):

1. Offer 2 is only applicable to personal customers of Personal Banking of the Bank, but not applicable to Private Wealth and Private Banking customers, staff of the Bank and the Bank’s affiliates, Corporate customers, Commercial Banking customers, Capital Investment Entrant Scheme customers and investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area of the Bank.
2. For accounts in joint names, only the primary account holders will be eligible for Offer 2.
3. Offer 2 is only applicable to the personal customers who have not conducted any FX transactions via any channels of the Bank in sole name or joint name accounts from January 1, 2024 to December 31, 2024 (“Offer 2 Eligible Customer(s)”).
4. During the Promotion Period, Offer 2 Eligible Customers who have successfully conducted FX transactions (including HKD, USD, GBP, JPY, EUR, CHF, AUD, CAD, NZD, SGD and RMB; but excluding FX transactions between HKD and USD, and FX transactions conducted via remittance, mutual fund subscription, bill payment service and transfer via Cross Border Long Card) via the Bank’s Mobile Banking or Online Banking (“Eligible FX Transaction(s)”) and have fulfilled the designated cumulative Eligible FX Transaction amounts as set out below can enjoy the following cash reward:

   Cumulative Eligible FX Transaction Amount (HKD or equivalent)	Cash Reward
   HK$5,000,000	HK$4,800
   HK$3,000,000	HK$2,500
   HK$1,000,000	HK$800
   HK$500,000	HK$300
   HK$300,000	HK$150

5. Offer 2 Eligible Customer who entitles to the cash reward mentioned in clause 4 above can enjoy an extra HK$200 cash reward by conducting at least 5 Eligible FX Transactions.
6. If the Eligible FX 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) 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.
7. Each Offer 2 Eligible Customer can only enjoy the cash reward once during the Promotion Period.
8. The Bank will credit the cash reward to the Offer 2 Eligible Customer’s Packaged Banking Settlement Account or the HKD Savings / Checking account (excluding “Step Up Savings Account”) with the latest account opening date maintained with the Bank on or before June 30, 2025. Such account must be valid at the time of crediting the cash reward, otherwise, the cash reward will be forfeited.

D. Terms and Conditions for Foreign Currency Exchange & Time Deposit Promotion (“Offer 3”):

1. Offer 3 is only applicable to personal customers of Personal Banking of the Bank (“Offer 3 Eligible Customer(s)”), but not applicable to Private Wealth and Private Banking customers, Corporate customers, Commercial Banking customers, investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area and Capital Investment Entrant Scheme customers of the Bank.
2. During the Promotion Period, Offer 3 Eligible Customers who exchange a designated currency in the amount ranging from HK$100,000 (or equivalent) or above to any time deposit currency through the Bank’s branch staff or Relationship Managers via phone call or by visiting our branches (“Designated Channels”) and simultaneously place a 1-week Time Deposit with the exchanged currency in its entire amount traded (“Eligible Time Deposit”), can enjoy below time deposit interest rate (p.a.)* offer (“Time Deposit Interest Rate Offer”). Offer 3 Eligible Customers who holds a “USD Step Up Savings Account” with balance of USD10,000 or above, can enjoy bonus interest rate (p.a.) (the “Preferential Time Deposit Interest Rate”)* :

   Designated Currency	Time Deposit Currency	1-week Time Deposit Interest Rate (p.a.)* Offer
   		Offer 3 Eligible Customers who Fulfill the “Preferential Time Deposit Interest Rate” Criteria	Other Offer 3 Eligible Customers
   RMB / HKD / AUD / NZD / USD / GBP / JPY / EUR / CHF / CAD / SGD	AUD	14.8%	11.8%
   	NZD
   	CAD
   	GBP
   	USD	10.8%	8.8%
   	RMB	9.8%	7.8%
   	JPY	3.8%	1.8%

   *The above Time Deposit Interest Rates (p.a.) are for reference only but not guaranteed and it will be subject to changes in rates quoted by the Bank from time to time. Before making the relevant transaction, please check with our Bank’s staff for the effective Time Deposit Interest Rate (p.a.) applicable to the transaction.

3. The Time Deposit Interest Rate Offer is not applicable to the time deposits and exchange transactions conducted through other than the Designated Channels specified above, e.g. mobile banking, online banking, phone banking and/or Smart Teller Machine etc.
4. The exchange rate will be the daily exchange rate as provided by the Bank’s branches from time to time, once the customer and the Bank agreed and confirmed the exchange rate, it will be binding and irrevocable, notwithstanding that the Bank may quote a different exchange rate through other channels.
5. The Time Deposit Interest Rate Offer is calculated based on the transaction amount per deposit transaction. The transaction amount cannot be aggregated.
6. Any withdrawal or partial withdrawal of a time deposit prior to maturity of the foreign currencies time deposit without sufficient prior notice shall only be permitted at the discretion of the Bank. The Bank may levy a charge and/or forfeit the interest accrued on the foreign currencies deposit in whole or in part in such instances.
7. If a Typhoon No. 8 or above signal or a black rainstorm warning is hoisted on the (i) time deposit set-up date or maturity date with renewal instruction, the instruction will be processed on the next business day; (ii) maturity date with non-renewal instruction, the matured deposits will be credited into the designated account on the maturity date. The prevailing deposit rate and exchange rate on the time deposit set-up date or renewal date (at such time as the Bank determines) will apply.
8. If the maturity date of the time deposit period falls on a day which is not a Business Day (as defined below), the maturity date of the time deposit and / or the automatic roll-over instruction of the time deposit will be deferred to the following Business Day without prior notice. The Bank will not be responsible to any person for the deferral of the time deposit maturity date and/or the automatic roll-over instruction. “Business Day" means a day on which the Bank is open for business in Hong Kong, but excluding Saturdays, Sundays, public holidays and the day which the Bank is unable to open for business due to extreme weather or sudden event.
9. Offer 3 cannot be used in conjunction with other interest rate offers.

E. Terms and Conditions for FX Spread Discount (“Offer 4”):

1. Offer 4 is only applicable to personal customers of Personal Banking, Private Wealth and Private Banking, investors participated in the Cross-boundary Wealth Management Connect Scheme in the Guangdong-Hong Kong-Macao Greater Bay Area and Capital Investment Entrant Scheme customers of the Bank (“Offer 4 Eligible Customer(s)”), but not applicable to Corporate customers and Commercial Banking customers of the Bank.
2. During the Promotion Period, Offer 4 Eligible Customers who conduct real-time FX transactions via the Bank at Telegraphic Transfer (TT) exchange rates can enjoy below FX Spread Discount:

   Channel	FX Spread Discount
   	Private Banking Customers	Premier Banking / Private Wealth Customers	Wise Banking Customers	Other Personal Customers
   Mobile Banking/ Online Banking	40%	30%	20%	10%
   Others	30%	20%	10%	N/A

3. "FX Spread Discount" refers to the percentage discount on FX profit spread normally charged by the Bank. Other mark-up applied to the exchange rate for operational reasons however will not be waived.
4. The above FX Spread Discount is for reference only and may subject to changes from time to time without prior notice.
5. When customers conduct FX transactions, the exchange rates will be automatically adjusted to preferential exchange rates with FX Spread Discount.