Promotional Terms and Conditions:

General Promotional Terms and Conditions:

1. Unless otherwise specified, the promotion period is from 1 October 2018 to 31 December 2018, both dates inclusive (the "Promotion Period").
2. The offers are not applicable to corporate customers and customers who are the employee of China CITIC Bank International Limited (the “Bank”) during the Promotion Period.
3. For joint account customers, only the primary account holder is entitled to the offers.
4. The Bank reserves the right to amend, cancel or terminate these promotions and amend the Promotional Terms and Conditions any time without prior notice. In case of disputes, the decision of the Bank shall be final and binding.
5. Rights of Third Parties - Except as otherwise expressly stated in these Promotional Terms and Conditions, no one other than a party to these Promotional Terms and Conditions may enforce any of its terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong.  Where any clause of these Promotional Terms and Conditions entitles any third party to enforce any term of these Promotional Terms and Conditions under the Contracts (Rights of Third Parties) Ordinance, the parties reserve the right to vary that term or any other term of these Promotional Terms and Conditions without the consent of that third party.
6. These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region and are subject to prevailing regulatory requirements.
7. If there is any discrepancy between the English and Chinese versions, the English version shall prevail.

Terms and Conditions specific to "First-time Investment Funds Subscription Fee 0.88%” Offer:

1. This offer is only applicable to New Investment Funds Customers who have never subscribed to or held Investment Funds with the Bank in their sole name or as the primary account holder of a joint account on or before 19 September 2018 (the “New Investments Funds Customers”).
2. This offer is only applicable to the first subscription of investment funds made by New Investments Funds Customers via any branches of the Bank during the Promotion Period and 0.88% will be applied to the initial charge of such first subscription.
3. Each customer is entitled to the offer once only.
4. The offer does not apply to fund switching and Monthly Investment Plan subscriptions.

Promotion Terms and Conditions specific to “Investment Products Transfer-in or Deposit Cash Reward” Offer:

1. Investment Products Transfer-in or Deposit Cash Reward Offer ("Cash Reward Offer") is only applicable to customers who have submitted the applications of relevant transfer-in or deposit of investment funds, bonds, Hong Kong Stocks, U.S. Stocks or China A-shares (“Eligible Assets”) during the Promotion Period and also successfully completed the relevant transfer-in or deposit of Eligible Assets by 31 January 2019.
2. Customers will be entitled to HKD1,000 cash reward for every cumulative transfer-in or deposit of Eligible Assets of HKD1,000,000 (or its equivalent in other currencies) during the Promotion Period. The maximum cash reward is HKD10,000 per customer for the entire Promotion Period.
3. The Cash Reward Offer is only applicable to Eligible Assets accepted by the Bank. The Bank reserves the right to have final decision whether the customers can enjoy this Cash Reward Offer.
4. The Cash Reward Offer will be credited to the customers’ HKD account on or before 31 March 2019.
5. The latest market price of the Eligible Assets available to the Bank as of the date the Bank receives the Eligible Assets will be used to calculate the accumulated amounts of Eligible Assets transferred-in or deposited. For the calculation of offer entitlement arising from transfer-in or deposit of Eligible Assets denominated in currencies other than HKD, the value of the Eligible Assets transferred-in or deposited will be converted into HKD based on relevant prevailing foreign exchange rates determined by the Bank.
6. If customers partially/fully transfer out the transferred-in or deposited Eligible Assets on or before 31 January 2019, the Bank reserves the right to disapprove customer’s entitlement of this offer.
7. To be eligible for this offer, customer should also maintain with the Bank a portfolio of Eligible Assets and that the growth of the aggregate market value of the said portfolio from 30 September 2018 to 31 January 2019 be not less than those Eligible Assets that were transferred in to the Bank during the Promotion Period.
8. To be eligible for this offer, customers must maintain the relevant investment account and the respective HKD deposit account with the Bank at the time of crediting the cash reward.

Terms and Conditions specific to “15 pips discount for foreign exchange” Offer:

1. This offer is only applicable for exchange of Hong Kong Dollars to foreign currencies, or foreign currencies to Hong Kong Dollars, for subscribing any investment products during the Promotion Period.
2. The offer is only applicable to the TT rate foreign exchange transaction made via One Account and Multi-currencies Statement Savings Accounts in branches
3. This offer is only applicable to the foreign currencies designated by the Bank. The Bank has the right to change the designated foreign currencies and/or the applicable pip discount without prior notice.
4. The pip discount entitled by the customers will be determined at the time of transaction.
5. This offer cannot be used in conjunction with other foreign exchange offers (except otherwise specified).

Risk Disclosure Statements for Investment Funds

(1) Investment Funds are not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. (2) Investors should note that investment involves risk and past performance is not indicative of future performance. The price of the Investment Funds may go down as well as up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of investing in Investment Funds. In the worst case scenario, the value of the Investment Funds may be substantially less than your investment amount. (3) You should not invest in Investment Funds based on this promotion page alone. Investors should consider their own investment objectives, financial resources and relevant circumstances, and read the relevant offering document, terms and conditions and risk disclosure statement before making any investment decision. (4) Investors should carefully read the relevant fund's offering documents (including the investment policy and risk factors stated therein) in details before making any investment decision. If needed, investors should seek independent professional advice.

Risk Disclosure Statements for Foreign Exchange

Foreign currency investments are subject to exchange rate risk which may result in gain or loss. The fluctuation in the exchange rate of foreign currency may result in losses in the event that customer converts the foreign currency into HKD or other foreign currencies. Renminbi is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

The above information does not constitute an offer to sell or solicitation for the purchase or sale of any deposit or investment in any products referred to herein.

China CITIC Bank International Limited is an authorized institution under the Banking Ordinance and is regulated by the Hong Kong Monetary Authority.

This promotion page is issued by China CITIC Bank International Limited. Its contents have not been reviewed by the Securities and Futures Commission in Hong Kong.