CITICdiamond Wealth Management ("CITICdiamond") customers are required to maintain a daily average Relationship Balance of HK$4,000,000 or above. Or else, China CITIC Bank International Limited (the "Bank") may suspend or terminate CITICdiamond service with or without prior notice to the customers. Relationship Balance includes the following (whether in sole name or joint names under the same personal identity number):

• Deposit balances of HKD / foreign currency savings accounts and time deposits accounts, HKD / foreign currency current accounts, NOW account and One Account "Deposit";
• Investment portfolio balance of One Account "Investment" including securities, investment funds, bonds, currency-linked deposit, structured deposit, equity-linked investment and structured notes;
• Outstanding loan amount/balance on lending facilities including personal line of credit, installment loans, credit cards and secured overdraft facilities; and
• 10% of the outstanding loan amount on mortgages