Promotional Terms & Conditions for Bonus Interest Rate Reward (the “Offer”):

1. The Promotion Period runs from 2 October 2018 to 31 December 2018 (both dates inclusive, hereinafter called the “Promotion Period”).
2. New Customer(s) refers to a customer who has not maintained any current or savings account(s)/One Account "Deposit" under the sole name of the customer or by the customer being the primary account holder of a joint account with China CITIC Bank International Limited (the “Bank”) during the past 12 months.
3. With Faster Payment System (“FPS”) refers to a customer successfully completes FPS registration via i-banking Services (“i-banking”) or mobile application inMotion Services (“inMotion”) within the Promotion Period, successfully sets the Bank’s account as the FPS Default Account within the Promotion Period and maintain such the Bank’s account as the FPS Default Account until the time of crediting the Bonus Interest Rate Offer Reward.
4. New Funds refer to funds that are newly deposited into the Bank by customers and not transferred from any account(s) within the Bank. The calculation of New Funds may refer to Clause 6c.
5. The Offer (as defined in Clause 6) is not applicable to corporate customers.
6. Bonus Interest Rate Offer
   
   1. The Bonus Interest Rate Offer is only applicable to i) New Customer (as defined in Clause 2) who opens a Current or Savings account/ One Account "Deposit" during the Promotion Period, or ii) existing Current or Savings account / One Account "Deposit" customers (in sole name or being the primary account holder of a joint account) who are selected customers (hereinafter called the “Eligible Customer(s)”).
   2. Eligible Customers (as defined in Clause 6a) must deposit New Funds (as defined in Clause 3) in the relevant Current or Savings account(s) / One Account "Deposit", and maintain such New Funds from 8 October 2018 until 31 December 2018 (if open account before October 2018) or from the account opening date of the Current or Savings account(s)/One Account "Deposit" until 31 December 2018 (if open account in October 2018), 31 January 2019 (if open account in November 2018) or 28 February 2018 (if open account in December 2018) (hereinafter called the “Bonus Interest Rate Offer Reward Period”).
   3. New Funds are calculated based on the net increase in:
      1. Total Deposit Balance of the Eligible Customer as of the end of the respective Bonus Interest Rate Offer Reward Period (as defined in Clause 6b) compared to that as of 30 September 2018. Total Deposit Balance includes deposits maintained under the sole name of the Eligible Customer or by the Eligible Customer being the primary account holder of a joint account; or
      2. The daily average total balance of Current and Savings account(s) / One Account "Deposit" during the respective Bonus Interest Rate Offer Reward Period (as defined in Clause 6b) compared to the balance of current and savings account / One Account "Deposit" as of 30 September 2018.
      The net increase amount of (i) or (ii), whichever is lower, will be regarded as New Funds. The minimum amount of New Funds is HK$100,000 or equivalent.
   4. The New Funds amount and the Bonus Interest Rate Offer Reward Period will be used for determination of Bonus Interest Rate as in below table.

      New Funds in	Offer	With Faster Payment System (“FPS”) Offer
      Current and Savings accounts	0.88% p.a.	0.98% p.a.
      One Account "Deposit"	1.08% p.a.	1.18% p.a.

   5. The Bonus Interest Rate Offer Reward earned will be credited to Eligible Customer’s valid HKD Current or Savings account/ One Account "Deposit" in terms of cash rebate within 6 weeks after Bonus Interest Rate Offer Reward Period (as defined in Clause 6b). The maximum cash rebate per customer is HKD25,000.
7. At the time of crediting the Bonus Interest Rate Offer Reward, Eligible Customers must still maintain a valid Current or Savings account / One Account "Deposit".
8. The Offer cannot be used in conjunction with any other deposit promotion offers.
9. The Bank reserves the right to delete, replace, supplement or amend these Promotional Terms and Conditions at any time without prior notice. In case of any dispute, the decision of the Bank shall be final.
10. The Bank reserves the right to change the interest rates from time to time without prior notice. Interest rates are subject to review according to changes in market conditions.
11. Except as otherwise expressly stated in these Terms and Conditions, no one other than a party to these Terms and Conditions may enforce any of their terms under the Contracts (Rights of Third Parties) Ordinance, Cap. 623 of the Laws of Hong Kong. Where any clause of these Terms and Conditions entitles any third party to enforce any term of these 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 Terms and Conditions without the consent of that third party.
12. These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region and any dispute arising out or in connection therewith shall be referred to the courts of Hong Kong SAR.
13. In case of any discrepancy between the English and Chinese versions of these Promotional Terms and Conditions, the English version shall prevail.

Risk Disclosure Statement:
CNY is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.