1 Welcome Reward – Up to HK$5,000 Cash Reward^1,2,3

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New CITICfirst customer enjoys Total Balance Growth Offer up to HK$3,500 cash reward when reaching designated Total Balance Growth Amount!

Total Balance Growth Amount (HKD or equivalent)	Total Balance Growth Cash Reward Amount (HKD)
Total Balance Growth Amount (HKD or equivalent)	New-To-Bank Customer	Upgraded Customer
$3,000,000 or above	$3,500	$3,000
$1,000,000 to below $3,000,000	$1,700	$1,200
$200,000 to below $1,000,000	-	$200 (For upgraded customer only)

What’s more, eligible customer of Total Balance Growth Cash Reward will enjoy up to HK$1,500 additional cash reward when his/her Investment Portfolio Balance reaches designated amount!

Investment Portfolio Balance amount (HKD or equivalent)	Additional Cash Reward Amount (HKD)
$500,000 or above	$1,500
$100,000 to below $500,000	$300

Note 1: To be eligible for the Total Balance Growth Cash Reward and Additional Cash Reward, customer needs to successfully open a One Account, register eStatement service of Consolidated Statement, log in inMotion service and maintain the Total Balance of at least HK$1,000,000 (or equivalent) from the 1st calendar month after joining CITICfirst to the date of crediting the Cash Reward.

Note 2: “Total Balance Growth Amount” refers to the net increase when comparing a customer’s average Total Balance of the 1st to 3rd consecutive calendar months after joining CITICfirst with the Total Balance on 31 May 2022. If customer is a New-To-Bank Customer, his/her Total Balance on 31 May 2022 is regarded as HK$0.

Note 3: Investment Portfolio Balance refers to customer’s all One Account “Investment” accounts in sole name and in joint-name (in which the customer is the primary account holder) on a specified date. The specified date is determined according to the month of joining CITICfirst:

Month of joining CITICfirst	Date of calculating the Investment Portfolio Balance
July 2022	31 October 2022
August 2022	30 November 2022
September 2022	31 December 2022

2CITICfirst Customer Referral Reward – Up to HK$8,000 Cash Reward

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3 Investment Transactions Offer – Up to HK$5,000 Cash Reward⁴

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4 Investment Funds Transfer-In Offer – Up to HK$12,000 Cash Reward

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5Investment Fund Offer – 0% Subscription Fee

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6Securities Trading Offer – 12 Months HK$0 Brokerage Commission for Securities Purchases

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7Equity Linked Products – Extra Coupon Offer of 5.88% p.a.

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8CNCBI CITICfirst Platinum Card – $800 Cash Reward

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9Privileged offer for completion of Financial Needs Analysis – HK$200 Supermarket Coupon

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10MONOPOLY Deposit Bonus Interest Rate of up to 6.38% p.a.

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The above offers are subject to terms and conditions. Please refer to related terms and conditions for CITICfirst promotion and other wealth management product offers for details or contact our branch staff if needed.

Reminder: To borrow or not to borrow? Borrow only if you can repay!

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Important Note:
Some of the investment products are structured products involving derivatives. The investment decision is yours but you should not invest in the 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. You should not invest in this product based on this promotional material alone.

Risk Disclosure Statements for Securities Trading
(1) Investment involves risks. (2) The price of securities fluctuates, sometimes dramatically. The price of securities may move down or up and may become valueless. It is as likely that losses will be incurred rather than profits made as a result of buying or selling securities. (3) Investors should seek advice from own professional advisors as to particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. (4) If investors investing in investment products denominated in non-local currency, one should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. (5) Before making any investment decision, investors should refer to the terms and conditions of relevant securities trading services and risk disclosure statements and seek professional advice where needed. (6) Renminbi (RMB) is subject to exchange rate risk. The Hong Kong dollar value of investment will decrease if the RMB depreciates against Hong Kong dollar. Conversion between RMB and other currencies (including Hong Kong dollar) is subject to policy restrictions relating to Renminbi and consequently the relevant regulatory requirements in Hong Kong. Such requirements may be amended subject to changes in the policy restrictions relating to RMB. RMB is not freely convertible at present. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

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) 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 relating to the Robo 360 Advisory Services
(1) Using Robo 360 Advisory Services involve investment risks, market risks, partial execution risks, termination/suspension of Robo 360 Advisory Services, regulatory risks, investment strategy risks, diversification risks, performance risks and limitation of historical data. (2) Whilst the Bank may provide Rebalancing Alerts as it may determine appropriate after its review or upon occurrence of specific events, the Bank will not execute any Rebalancing Instruction automatically. If the investor does not provide Rebalancing Instructions to the Bank or there is any delay in providing such Rebalancing Instructions, the Selected Portfolio may become no longer suitable for the investor and the investor shall bear such consequences. (3) Portfolios construction and rebalancing are generated by a model-driven process according to the portfolio construction and methodologies set out by the Bank. The model is algorithm- and rule-based instead of attempting to recommend positon taking with respect to the direction of markets.

Risk Disclosure Statements for Bonds
(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 Equity-Linked Investments (“ELI”)
(1) ELI is not equivalent to time deposits or its substitute and provide no guarantee of return or yield on investment. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (2) ELI is NOT principal protected and is NOT secured by any asset or collateral. Investors could lose all of your investment. (3) The maximum potential gain is limited. (4) Investing in ELI is not the same as investing in the reference assets. (5) If investors invest in ELI, they are relying upon the creditworthiness of the issuer and, as the case may be, the guarantor and no other person. Investors may get nothing back if the issuer and/or the guarantor becomes insolvent or defaults in performing its obligations in relation to the product. (6) ELI involves risks, including but not limited to re-investment risk, risks of early termination, limited market making arrangements, conflict of interest, market risk, liquidity risk, currency risk and risks relating to Renminbi. (7) ELI is not covered by the Hong Kong Investor Compensation Fund.

Risk Disclosure Statements for Currency-Linked Deposit ("CLD")
(1) CLD is NOT equivalent to time deposit. It is NOT protected by the Deposit Protection Scheme in Hong Kong. (2) Investing in CLD is not the same as buying the Linked Currency directly. During the Deposit Period, you have no rights in the Linked Currency, and movements in the exchange rate of the Linked Currency may not lead to any corresponding change in your return on CLD. (3) CLD involves risks, including but not limited to derivatives risk, market risk, liquidity risk, credit risk of the Bank, currency risk, risks relating to Renminbi and risks of early termination by the Bank. (4) The maximum potential gain is limited. (5) CLD is NOT principal protected and you could lose all of your deposit amount. (6) Currency-Linked Deposit is not covered by the Hong Kong Investor Compensation Fund.

This promotional material does not itself constitute an offer of, or an invitation by or on behalf of the Bank to any person to purchase or acquire or invest in any investment products.

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

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

Branch Sign-up Offer:

During 1 July 2021 and 31 July 2021 (“Sign-up Offer Promotion Period”), customers who sign up CITICfirst Wealth Management Service as “New-To-Bank Customers” at any of our branches and deposit new fund of HK$1,000,000 or equivalent (“New Fund Deposit”) will enjoy HK$100 Wellcome Coupon (“Sign-up Gift”) instantly upon registration at branch. The Sign-up Gift is available while stock lasts.
“New-To-Bank Customer” is a customer who does not hold any current, savings, time deposits, securities or investment accounts (either in sole name or joint name account) with China CITIC Bank International (“the Bank”) within the 12 months immediately preceding the account opening date of CITICfirst service.
“New Fund Deposit” refers to funds which are newly placed by a customer and not transferred from any account with the Bank (regardless of whether such account is held by the customer or not).
For joint account customers, only the primary account holder is entitled to this sign-up gift.
Each customer can enjoy this sign-up gift once only during the Sign-up Offer Promotion Period.
If customers cancel CITICfirst Wealth Management Service and withdraw the designated amount of new fund within 3 months from receiving the sign-up gift, the Bank reserves the right to charge customers for the value of the sign-up gift.
This offer is not applicable to the staff of the Bank.
The bank is not the supplier of the Sign-up Gift. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the supplier/Merchants. The Bank shall bear no liability relating to any aspect thereof, including the quality and availability of the products, services or information provided by the supplier/Merchant. Any enquiry, claim or complaint should be directed to the Merchant.
Use of the coupon is subject to the terms and conditions. Please refer to the back of the coupon or contact the merchant for details.
The Bank reserves the right to delete, replace, supplement or amend any of these Terms and Conditions without prior notice, and shall not be responsible for any costs, expenses, losses or liabilities incurred in the event of any matter or dispute arising out of or in connection this promotion offers, the decision of the Bank shall be final and conclusive.
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.
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. In the event of any matter or dispute arising out of or in connection with this Promotion, the decision of the Bank shall be final and conclusive.
In the event of any matter or dispute arising out of or in connection with this Promotion, the decision of the Bank shall be final and conclusive.
In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

1 Welcome Reward – Up to HK$5,000 Cash Reward1,2,3