貴 賓 理 財貴 賓 晉 裕

Terms and Conditions for PREMIER SELECT / PREMIER BANKING / WISE BANKING Bonus Points Scheme (the “Terms and Conditions”)

Important Notes:- Some mutual funds may involve derivatives. FX linked deposits, structured notes

and equity linked investment 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 Gold Trading and insurance 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. Investment products are not principal-protected except that some FX linked deposits are principal-protected conditionally.

1. Scheme (a) These Terms and Conditions are applicable to customer (“Customer(s)”) who

has successfully joined PREMIER SELECT / PREMIER BANKING / WISE BANKING services (collectively known as the “Packaged Banking Service”) provided by China Construction Bank (Asia) Corporation Limited (the “Bank”), and is effective from the date when Customer(s) commence(s) to use Packaged Banking Service.

(b) Under the Scheme, Customers are entitled to Bonus Point(s) (“Bonus Point(s)”) by using designated banking service and / or effecting investment transactions and / or successfully applying designated insurance policies with the Bank (the “Eligible Banking Services”).

(c) Eligible Banking Services including Securities Trading, Mutual Fund Subscription, FX Margin Trading, Gold Trading, FX Linked Deposit Placement, Structured Notes Subscription, Equity-Linked Product Subscription, Time Deposit Placement (tenor must be 1 month or above and not applicable to time deposit renewals), Remittance, Foreign Currency Trading (only applicable to foreign exchange via account transfer), successful application of designated Life Insurance and Travel Insurance or such other banking services as the Bank may specify from time to time. For the premium amount of applied Life Insurance and Travel Insurance as designated for the Scheme, the relevant insurance company(ies)’s record shall prevail and the Bank takes no responsibility to its accuracy or completeness, and disclaims any liability for any loss arising from or in reliance of such amount.

2. Bonus Points (a) Bonus Points will be awarded in accordance with the transaction amount or

frequency for each successfully completed and / or executed transaction (“Transaction”) effected through Eligible Banking Services.

(b) Customers can redeem cash rebate for the transaction fees for designated investment / insurance transactions (“Cash Rebate”), gifts, goods, services or other rewards with the Bonus Points (collectively, the “Rewards”). Bonus Points awarded to Customers are not transferable.

(c) Customer can refer to the Banking Service Bonus Points Scheme table (“Bonus Points Table”) published by the Bank from time to time for the updated information on Bonus Points to be entitled, cash value and Rewards redemption.

(d) Unless otherwise specified, Bonus Points earned from September 1st of the previous year to August 31st of the current year (if applicable) are valid until the end of the current calendar year (i.e. December 31st ) (the “Expiry Date”). Any unused Bonus Points will expire and be cancelled automatically without notice at the close of business on the Expiry Date. All Bonus Points earned will be forfeited and cancelled without prior notice upon termination or cancellation (for any reasons) of Packaged Banking Services.

(e) The Bonus Points accumulated and available for redemption by a Customer will be updated by the Bank regularly according to the Transactions made by the Customer, and the respective information will be shown in the Customer’s consolidated portfolio statement and / or could be checked via online banking service.

(f) Joint account holders are required to complete a prescribed form to appoint one of the joint account holders as nominee and the nominee is authorized to the redemption of and collection of Rewards (“Nominee”). Bonus Points earned from the Transactions for the Joint Account will be calculated and credited into the Joint account. Application for redeeming Rewards by Bonus Points should be made by completing the form as provided by the Bank from time to time and executed by the Nominee. If no Nominee has been appointed, all the Bonus Points earned from the Transactions for the joint account will be awarded to one of the joint account holders at the Bank’s discretion.

(g) For company account, it is required to complete a prescribed form to appoint a person who is authorized to the redemption and the collection of the Reward(s) (“Authorized Person”). Application for redeeming Rewards by Bonus Points should be made by completing the form as provided by the Bank from time to time and executed by the Authorized Person.

(h) For Customer who has joined PREMIER SELECT / PREMIER BANKING / WISE BANKING service for one year or above, double Bonus Points will be awarded to the Transactions made in the Customer’s birthday month. For Transactions made under joint accounts, the double Bonus Point will only be offered in Nominee’s birthday month. The double Bonus Points are not applicable to company account.

(i) No Bonus Point will be granted for the Transaction executed or completed by the Customers before the commencement date of the Scheme.

(j) Unless otherwise specified, the calculation of Bonus Points will be based on the Transaction amount in Hong Kong dollar equivalent or other specified currency. The currency conversion will be based on the exchange rate of the Transaction date or the date of calculating the Bonus Points as determined by the Bank.

(k) Bonus Points earned by Customers are on account basis. If Customers maintaining more than one account with the Bank, Customers cannot consolidate the Transactions through different accounts in calculating Bonus Points. Bonus Points earned under different accounts of the Customers may, however, be consolidated for the Rewards redemption.

(l) The respective cash values of each Bonus Point earned by PREMIER SELECT / PREMIER BANKING / WISE BANKING Customer are determined at the time of the Rewards redemption, according to the Packaged Banking Services status of Customer and the number of years the Customer has ANKING (if applicable) as at the redemption date.

3. Rewards Redemption (Not Applicable to Cash Rebate) (a) An application for the Rewards redemption (“Application”) is irrevocable and

may not be changed once it is accepted by the Bank. Customers are required to redeem the Rewards by Bonus Points according the procedures as prescribed by the Bank (or as notified to the Customers by the Bank from time to time). Any Application for which insufficient Bonus Points are held will be automatically rejected.

(b) The Bank reserves the right to reject any Application if the Customer’s account for the execution of the Transactions is cancelled or not in a normal and active status as according to the Bank's records. The Bank also reserves the right to reject any Application if the Customer has been in breach of his / her obligations in relation to the use of the relevant banking services.

(c) Bonus Points which has expired cannot be used to redeem Rewards and will not be replaced by the Bank. In no circumstances will a Customer be allowed to redeem cash by Bonus Points, except the Cash Rebate to pay for the transaction fees for designated investment / insurance transactions with the Bank.

(d) A Reward redemption notification letter (“Notification Letter”) will be mailed to the Customer approximately 6 to 8 weeks from the receipt of successful Application. Customers can collect the Rewards with the Notification Letter at the Branch of the Bank as specified in the Application. The Bank has no liability to replace if any Notification Letter is lost for any reason and is not obliged to provide or procure any free delivery service or otherwise. If Customer does not collect the Reward within the period specified on the Notification Letter, it is deemed that the Reward is forfeited and the Bonus Points deducted will not be returned. The Bank may request Customers or any person authorized by the Customers to collect the Rewards to provide the Notification Letter, proof of identity and authorization for the purpose of Rewards redemption.

4. Rewards and the Bank's Responsibility (Not Applicable to Cash Rebate) (a) All Rewards are subject to availability and will be provided for redemption on

a first-come-first-served basis. The Bank may substitute another item of similar value without prior notice in case of non-availability.

(b) The Bank may at its sole discretion prescribe the available Rewards to Customers, the type of Reward, redemption method and any conditions for redemption under the Scheme, including but not limit to the available period of Rewards.

(c) Rewards under the Scheme may be provided to a Customer directly by any person other than the Bank (the “Supplier”) or supplied by any Supplier to the Bank for provision to the Customer.

(d) The Reward may be subject to any conditions prescribed by respectiveSupplier. A Customer has to address and / or resolve any comment, claim, complaint or dispute concerning such Reward (whether concerning availability, quality or quantity) to and with the respective Supplier who had provided or supplied such Reward direct.

(e) The Bank should not be responsible for any kind or nature of liability in relation to any Reward provided or supplied by Supplier. The Bank does not endorse,

provide any guarantee or assurance relating to any Supplier or any Reward provided or supplied by any Supplier. Any information or materials about any Supplier or any Reward provided or supplied by any Supplier shall not be regarded as representations or assurance given by the Bank in relation to the respective Supplier or Rewards, and the Bank has no duty to investigate or verify the accuracy or completeness of such information, materials or the quality of the Rewards.

(f) The Bank should not be responsible for lost, stolen, damaged or defected Rewards redeemed through the Scheme.

5. Cash Rebate Plan (a) WISE BANKING Customers with service commencement date on or before

September 18th, 2014 will be automatically registered for monthly Bonus Points redemption for cash rebate to settle the transaction fees for designated investment / insurance transaction or other transaction fees determined by the Bank from time to time (“Cash Rebate Plan”), If Customers would cancel the registration of the Cash Rebate Plan, or Customers with Packaged Banking Service commencement date on or after September 19th, 2014 would register the Cash Rebate Plan as mentioned above, they can apply at any branch of the Bank.

(b) The maximum monthly cash rebate amount will be the lower of (i) the cash value of the Customer’s Bonus Point balance under the Scheme or (ii) the aggregate transaction fees of designated investment / insurance transaction paid by the Customer in the previous month (the “Maximum Rebate”). The Bonus Points (nearest integral number) required will be deducted for the redemption of the Maximum Rebate, but under no circumstances will the cash value of the respective Bonus Points be larger than the Maximum Rebate.

(c) The Bank will credit the Cash Rebate in relation to the Scheme to the Customer’s designated account on the tenth day of each month (“Rebate Day”), and the required Bonus Points will be automatically deducted. If the Rebate Day is on a Sunday or a public holiday, the Cash Rebate (if applicable) will be credited to the designated account on the following business day.

6. Modification and General Terms (a) The Bank reserves the right to modify the Bonus Points to be entitled and the

use of Bonus Points under the Scheme, including but not limit to i. Eligible Banking Services and the quantity of Bonus Points to

be entitled for each Transaction; ii. the maximum cap of the Bonus Points to be entitled for each Customer;

iii. the Rewards available for redemption and the quantity of Bonus Points required for redeeming the respective Rewards;

iv. the Expiry Date of Bonus Points awarded to the Customers v. the respective cash value of each Bonus Point Customers will be notified for the respective changes through consolidated

portfolio statement, the Bank’s website or other means the Bank deems appropriate. If Customer is using Packaged Banking Service at the time of the effective date of the modification, Customer is deemed to have accepted the respective modifications and shall be bound by them.

(b) The Scheme cannot be used in conjunction with exceptional pricing or other promotion offers. In case of any dispute on the computation of Bonus Points, calculation of accumulated and redeemed Bonus Points, the decision of the Bank shall be final and prevail.

(c) The Bank reserves the right to suspend, modify or terminate the Scheme and has the final decision in all matters and disputes in relation to the Scheme.

(d) The English version of the Scheme is the governing version and shall prevail if there is any discrepancy between the English version and the Chinese version.

Risk DisclosureInvestment involves risks. The prices of investment products fluctuate, sometimes dramatically, and may become valueless. Before making any investment decision, customers are encouraged to consult their own independent financial 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 TradingIt is as likely that losses will be incurred rather than profits made as a result of buying and selling securities.Mutual Fund InvestmentThe 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.FX Margin TradingThe risk of loss in FX margin trading can be substantial. Customers may sustain losses

in excess of their initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. A customer may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, the customer’s position may be liquidated. The customer will remain liable for any resulting deficit in the customer’s account. Customers should therefore carefully consider whether such trading is suitable in light of their own financial position and investment objectives. 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.Gold TradingThe gold market is volatile and a loss may be incurred from trading gold. Gold does not bear interest. A customer’s purchase of gold for the account does not represent a purchase of physical gold or a deposit of money. Customers will not have any interest in any gold owned or held by the Bank, or be entitled to physical delivery of gold. Due to the fluctuating nature of the gold market, the gold price may rise or fall beyond customers’ expectations and the losses may substantially reduce customers’ capital invested and earnings (if any). Customers’ investments in Gold Trading are subject to the credit risk of the Bank. Before making any investment decisions, customers should assess their own willingness and ability to bear risks and seek advice from an independent financial advisor. Gold Trading (the “Scheme”) has been authorized by the Securities and Futures Commission (“SFC”). The SFC’s authorization of the Scheme is not an endorsement or recommendation of the Scheme nor does it guarantee the commercial merits of the Scheme or its performance. It does not mean the Scheme is suitable for all investors nor it is an endorsement of its suitability for any particular investor or class of investors.FX Linked DepositsThe return on a FX linked deposit is limited to the nominal interest payable, which will be dependent, to at least some extent, on movements in some specified currency 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 currency exchange rates differs from what the customer expected, the customer may have to bear the consequential loss. If the FX linked deposit is approved by the Bank to be withdrawn before its maturity, the customer may also need to bear the costs involved. The relative losses and costs may reduce the return and the principal amount of the FX linked deposit which the customer may get back. 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.Structured NotesInvestment in structured notes involves substantial risks including 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 notes. Customers should recognize that their structured notes may mature worthless. While the maximum return on a structured note is usually limited to a predetermined amount of cash, an investor stands to potentially lose up to the entire investment amount if the underlying reference asset value moves substantially against the investor’s view.Equity Linked ProductsInvestment in equity-linked products involves substantial risks including 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 equity linked products. Customers should recognize that their equity-linked products may mature worthless. While the maximum return on an 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.InsuranceCustomers should read and understand the details of the insurance plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure the insurance products meet their personal needs. Specific details, terms and conditions applicable to insurance products are set out in respective insurance policies to be issued by the relevant insurance companies. For life insurance products, an insurance plan may comprise savings element. Part of the premium pays for the insurance and related costs. If a customer is not happy with the customer’s policy, the customer has a right to cancel it within the cooling off period and obtain a refund of any premiums paid. A written notice signed by the customer should be received by the insurer's Hong Kong Main Office within the cooling off period (that is, 21 days after the delivery of the policy or issue of a notice (informing the customer or the customer’s representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if the customer cancels the policy before the end of the term, the projected total cash value may be less than the total premium the customer has paid.DisclaimerThis leaflet does not constitute advice to buy or sell, or an offer with respect to any investment or insurance products. Any offer, invitation or recommendation to any customers to enter into any investment transaction does not constitute any prediction of likely future movements in prices of any investment products. This leaflet was 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. PB

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