* Products other than RMB current deposits only enjoy a 4% interest rate cash rebate offer

Reference Example:
During the preferential period, the customer deposits 500,000 RMB in current deposits, 200,000 US dollars in fixed deposits, and 300,000 invested in funds or bonds:
The following benefits can be enjoyed：

Remarks
$ Terms and Conditions specific to “Wealth Booster Reward”

^ Terms and Conditions specific to “inMotion Exclusive FX Offer” Mission

# Terms and Conditions specific to “Online Subscription Fee Rebate Terms and Condition"

@ Terms and Conditions specific to Time Deposit via Online Channels Promotion

* Applicable to charge type which is borne by remitter only. Fee waiver on (i) HK$100 Telex/SWIFT handling charge and (ii) Correspondent bank charge. About Bank service fees and charges.

Promotion terms and conditions apply. Promotion period of each offer might vary, for details, please refer to below promotion terms and conditions or contact our branch staff.

Risk Disclosure specific to 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, finanical 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.

1.

Investment involves risk. The prices of bonds can fluctuate, sometimes dramatically. The price of bonds may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling bonds.

2.

Investing in this product is not equivalent to time deposit. This product is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

3.

Default/ Credit risk - There is a risk that the issuer may fail to pay you the interest or principal as scheduled. In the worst case scenario, you may not be able to receive back the interest and principal if the issuer defaults on the bond.

4.

Interest rate risk - When the interest rate rises, the price of a fixed rate bond will normally drop.

5.

Exchange rate risk - If your bond is denominated in a foreign currency, you may face an exchange rate risk if you choose to convert payments made on bond to your home currency.

6.

Liquidity risk - If you need to sell the bonds before maturity for an urgent cash-flow need or use the capital for other investments, you may not be able to do this since the liquidity of the secondary bond market could be low. If you choose to sell your bond before it matures, you may lose part or all of your investment.

7.

Reinvestment risk - If you hold a callable bond, when the interest rate goes down, the issuer may redeem the bond before maturity. If this happens and you have to re-invest the proceeds, you may not be able to enjoy the same rates of return.

8.

Equity risk - If your bond is "convertible" or "exchangeable", you also face equity risk associated with the stock. A fall in the stock price will usually follow by a fall in the bond price.

Risk Disclosure Statements for Foreign Currency
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.

This material does not itself constitute any offer of or invitation to any person to purchase or sell or acquire or invest in any investment products. You should not only base on this material alone to make investment decisions.
China CITIC Bank International Limited is an authorized institution under the Banking Ordinance and is regulated by the Hong Kong Monetary Authority.
This material has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authority in Hong Kong.