Promotional Terms and Conditions:

General Terms and Conditions:

1. Unless otherwise indicated, each of the promotions under these Promotional Terms and Conditions is applicable only to customers holding One Account of China CITIC Bank International Limited (the "Bank") who have successfully executed the eligible transaction (s) during the period from 1 January 2022 to 31 March 2022, both dates inclusive ("Promotion Period") (the “Customers”) .
2. Customers must maintain the One Account and current or savings account with the Bank at the time when the Reduction Amount (as defined below) or cash rebate / reward are credited.
3. The Bank reserves the right to amend, suspend, cancel or terminate these promotions and amend the Promotional Terms and Conditions any time without prior notice, and shall not be responsible for any costs, expenses, losses or liabilities incurred.
4. In case of any dispute arising out of or in connection with this promotion, the decision of the Bank shall be final and binding on the Customers.
5. 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. In the event of any inconsistency between the English and Chinese versions of these Promotional Terms and Conditions, the English version shall prevail.

Terms and Conditions specific to “Cash Rewards for Investment Transactions” (“Investment Rewards Offer”) :

1. The Investment Rewards Offer is applicable to CITICfirst customers and CITICdiamond customers who have not subscribed or set up any one of the Eligible Investment Products with the Bank from 1 Jan 2021 to 31 Dec 2021 (“Eligible Customers”). The Investment Rewards Offer is not applicable to general customers, Private Banking customers, corporate customers and staffs of the Bank.
2. The Investment Rewards Offer is applicable to Investment Funds (excluding Money Market Fund), Robo 360 Advisory Service, Bonds (excluding Retail Bond), Equity-Linked Investments and Currency-Linked Deposit (excluding Deposit Tenor below 1 Month) (“Eligible Investment Products”).
3. “New Eligible Investment Products” is the Eligible Investment Products that Eligible Customers did not subscribe or set up with the Bank from 1 Jan 2021 to 31 Dec 2021.
4. “Eligible Transaction Amount” is the transaction amount of subscription / set up of Eligible Investment Products conducted via any channels of the Bank during the Promotion Period. For details:

   Eligible Investment Products	Eligible Transaction Amount
   Investment Funds (excluding Money Market Fund)	Total Subscription Amount less total Transferred-out Amount *Transferred-in amount is excluded
   Robo 360 Advisory Service	Total Investment Amount
   Bonds (excluding Retail Bond)	Total Purchase Settlement Amount* or Allotted Amount (for Primary Bond Market) less total Transferred-out Amount *Transferred-in amount is excluded
   Equity-Linked Investments	Total Nominal Value subscribed less total Unwound Nominal Value
   Currency-Linked Deposit (excluding Deposit Tenor below 1 Month)	Total Deposit Amount less total Unwound Deposit amount

5. Eligible Customers who have invested in one or more of the Eligible Investment Products (One of them needs to be New Eligible Investment Products) and have accumulated Eligible Transaction Amount of prescribed value will be entitled to the cash rewards as described below:

   	For every accumulated EligibleTransaction Amount of	Cash Rewards
   CITICdiamond	HK$500,000or equivalent	HK$1,000(Maximum: HK$20,000)
   CITICfirst	HK$200,000or equivalent	HK$200(Maximum: HK$5,000)

   
   Example 1: Sell Transactions Only in 2021 (including Redemption / Transferred-out / Sell / Matured / Early Called / Unwound)
   A CITICfirst customer who is with sell transactions of Eligible Investment Products only during 1 Jan 2021 to 31 Dec 2021 and has invested in one or more Eligible Investment Products (transactions examples as below) during the Promotion Period is eligible for the Offer and entitled to the cash rewards:
   
   Eligible Investment Products of the customer includes Investment Funds (excluding Money Market Fund), Robo 360 Advisory Service, Bonds (excluding Retail Bond), Equity-Linked Investments and Currency-Linked Deposit (excluding Deposit Tenor below 1 Month).

   Date	Products	Transactions	Accumulated Eligible Transaction Amount
   24 Jan 2022	Bonds (excluding Retail Bond)	Invest HK$5,000,000	HK$5,000,000
   28 Feb 2022	Currency-Linked Deposit  (excluding Deposit Tenor below 1 Month)	Invest HK$300,000	HK$5,300,000
   1 Mar 2022	Bonds (excluding Retail Bond)	Sell HK$1,000,000	HK$5,300,000
   3 Mar 2022	Bonds (excluding Retail Bond)	Transfer out HK$2,000,000	HK$3,300,000
   28 Mar 2022	Currency-Linked Deposit  (excluding Deposit Tenor below 1 Month)	Matured HK$300,000	HK$3,300,000

   Total cash rewards entitled: HK$3,200
   
   Example 2: Subscribed / set up Eligible Investment Products in 2021
   A CITICfirst customer who subscribed Equity-Linked Investments only during 1 Jan 2021 to 31 Dec 2021 and has invested in New Eligible Investment Products (transactions examples as below) during the Promotion Period is eligible for the Offer and entitled to the cash rewards with the following transactions:
   
   New Eligible Investment Products of the customer includes Investment Funds (excluding Money Market Fund), Robo 360 Advisory Service, Bonds (excluding Retail Bond) and Currency-Linked Deposit (excluding Deposit Tenor below 1 Month).

   Date	Products	Transactions	Accumulated Eligible Transaction Amount
   23 Jan 2022	Robo 360 Advisory Service	Buy HK$200,000	HK$200,000
   28 Feb 2022	Equity-Linked Investments	Buy HK$2,000,000	HK$2,200,000

   Total cash rewards entitled: HK$2,200
   
   Example 3: Does not subscribe / set up any new Eligible Investment Products during Promotion Period
   A CITICfirst customer who subscribed Equity-Linked Investments only during 1 Jan 2021 to 31 Dec 2021 and does not invest in New Eligible Investment Products during the Promotion Period is not eligible for the Offer:
   
   New Eligible Investment Products of the customer includes Investment Funds (excluding Money Market Fund), Robo 360 Advisory Service, Bonds (excluding Retail Bond) and Currency-Linked Deposit (excluding Deposit Tenor below 1 Month).

   Date	Products	Transactions	Accumulated Eligible Transaction Amount
   23 Jan 2022	Equity-Linked Investments	Buy HK$2,000,000	HK$0
   28 Feb 2022	Equity-Linked Investments	Buy HK$2,000,000	HK$0

   Total cash rewards entitled: HK$0
   
6. If Eligible Investment Customer partially / fully transfer out the subscribed or bought Eligible Investment Products on or before the rebate is credited, the Bank reserves the right to forfeit customer’s entitlement of this offer.
7. If Eligible Investment Products is denominated in currencies other than HKD, the subscription / transaction amount of Eligible Investment Products will be converted into HKD based on relevant prevailing foreign exchange rates determined by the Bank to calculate Eligible Transaction Amount.
8. Any subscription / transaction amount of Eligible Investment Products conducted by One Account with account suffix 90, 91 and 98 will not be regarded as Eligible Transaction Amount.
9. The Eligible Transaction Amount is calculated on a "per-customer basis". If the Eligible Customer has two or more One Account, all the Eligible Transaction Amount of the One Account will be combined for calculation. If the One Account is a joint account, the Eligible Transaction Amount will be calculated for primary account holder only.
10. Each Eligible Investment Customers is entitled to the Investment Rewards Offer once only during the Promotion Period.
11. The Bank will credit cash rewards into the Eligible Customers’ HKD current or saving account (either in sole name or joint names) on or before 30 June 2022. Such account must be valid at the time when the cash rewards is credited, otherwise the credit of the cash rewards will be forfeited. Customer should still maintain the CITICfirst / CITICdiamond customer status at the time of crediting the cash rewards.

Terms and Conditions specific to “Up to HK$8,800 Foreign Exchange Cash Rewards” (the “FX Offer”):

1. The FX Offer is applicable to CITICfirst customers, CITICdiamond customers and Private Banking customers of the Bank (“Eligible Customers”). The FX Offer is not applicable to general customers, corporate customers and staffs of the Bank.
2. Notwithstanding the above clause 1 stated in General Terms and Conditions, the FX Offer is also applicable to Customer who is not holding One Account.
3. Eligible Customers who have successfully completed any foreign exchange transaction via manned and automated channels (except ATM) (“Eligible Trading Channels”) during the Promotion Period and reached the designated accumulated transaction amount will be entitled to the cash rewards:

   Accumulated Foreign Exchange Amount (HKD equivalent)	Cash Rewards
   HK$35,000,000 or above	HK$8,800
   HK$20,000,000 to below HK$35,000,000	HK$3,800
   HK$10,000,000 to below HK$20,000,000	HK$1,800
   HK$3,000,000 to below HK$10,000,000	HK$500

4. The FX Offer is applicable to transactions which are (a) from HKD to other currencies, (b) from other currencies to HKD and (c) from other currencies to other currencies (“Cross Currency”), via the Eligible Trading Channels (“Eligible FX Transactions”). Cross Currency transaction will be counted as one transaction only. Any HKD to other currencies transactions induced by the Cross Currency transactions will not be regarded as Eligible FX Transactions.
5. Any FX transactions conducted by One Account with account suffix 90, 91 and 98 and their designated saving accounts will not be regarded as Eligible FX Transactions.
6. Eligible FX Transaction amount will be accumulated on a “per-customer basis”. Nonetheless, in respect of Eligible FX Transactions under any joint name accounts, transactions which are conducted via online channels will be regarded as transactions from customers who login the Bank account (can be any joint account holders); transactions which are conducted via other Eligible Trading Channels will be regarded as transactions from primary account holders.
7. Each Eligible Customer can only enjoy the relevant cash rewards once during the Promotion Period.
8. For non-HKD denominated transactions, the transaction amount will be converted into HKD based on the relevant prevailing foreign exchange rate determined by the Bank for calculation. 
9. The FX Offer cannot be used in conjunction with other promotional offers related to foreign exchange, except “Foreign Exchange Time Deposit Offer”.
10. The Bank will credit cash rewards into the Eligible Customers’ HKD saving or current account (either in sole name or joint names) on or before 30 June 2022. Such account must be valid at the time when the cash rewards is credited, otherwise the credit of the cash rewards will be forfeited. Customer should still maintain his/her CITICfirst / CITICdiamond / Private Banking customer status at the time of crediting the cash rewards, however, maintaining a One Account is not needed.

Terms and Conditions specific to "12 Months $0 brokerage commission for securities purchases":

1. This promotion is only applicable to customers who have (i) not maintained any One Account (whether in sole name or joint account) with the Bank within the preceding 12 months from 17 December 2021 and (ii) opened a new One Account during the Promotional Period (the “New One Account Customers”).
2. New One Account Customers can enjoy $0 brokerage commission for securities purchases of Hong Kong Stocks, U.S. Stocks and China A-shares executed through the New One Account via inVest and inMotion (the "Eligible BUY Transactions") within the account opening month and following 12 months from the account opening date of the New One Account.
3. New One Account Customers are required to pay all applicable commissions and fees upfront. The relevant brokerage commission reduction amount entitled in respect of the Eligible BUY Transactions (the "Reduction Amount") will be credited to the customers’ current or savings account according to the schedule as follow:

   Transaction month	Reduction Amount credit month
   January to March	May
   April to June	August
   July to September	November
   October to December	February

4. The Reduction Amount is only applicable to the Bank’s brokerage commission. Other taxes, impositions, levies, fees and charges payable for the transaction, including but not limited to the transaction fees imposed by third parties such as stamp duty, SFC Transaction Levy, the Exchange Trading Fee and FRC Transaction Levy are not covered.
5. For joint account customers, only the primary account holder is entitled to the promotions.
6. This promotion is not applicable to Private Banking customers, corporate customers, One Account with account suffix 90, 91 and 98 and all staff of the Bank during the Promotional Period and at the time of crediting the Reduction Amount.

Terms and Conditions specific to “$0 brokerage commission to buy/sell newly listed HK stocks on its first trade day”:

1. Customers can enjoy a $0 Securities brokerage commission for all BUY and SELL transactions of IPO Stocks (Applicable to Hong Kong Public Offering Stocks but excluding Equity Warrants, Covered Warrants, Callable Bull Bear Contracts, Bonds, Exchange Traded Funds, Companies Listed by Way of Introduction, Transfer of Listing to the Main Board, Change of Stocks Code) at its first day of dealing commence at Hong Kong Stocks Exchange during the Promotional Period via Designated Channels (defined below).
2. Designated Channels: inMotion, inVest, i-banking, CITICmobile (mobile browser version) or Automated Securities Trading Hotline.
3. Customers will enjoy a $0 Securities brokerage commission for IPO Stocks on its first day of dealing commence at Hong Kong Stocks Exchange. The total standard brokerage fee for each customer will be capped to HK$100,000 on each transaction date.
4. Customers are required to pay all applicable commissions and fees upfront. The relevant brokerage commission reduction amount entitled ("Reduction Amount") will be credited to the Customers’ current or savings account according to the schedule as follow:

   Transaction month	Reduction Amount credit month
   January to March	May

5. The Reduction Amount is only applicable to the Bank’s brokerage commission. Other taxes, impositions, levies, fees and charges payable for the transaction, including but not limited to the transaction fees imposed by third parties such as stamp duty, SFC Transaction Levy, the Exchange Trading Fee and FRC Transaction Levy are not covered.
6. For joint account customers, only the primary account holder is entitled to the promotions.
7. This promotion is not applicable to corporate customers, One Account with account suffix 90, 91 and 98 and all staffs of the Bank.

Terms and Conditions specific to “Unlimited free real time quotes”:

1. "Unlimited free real time quotes" offer is applicable to customers who have maintained any One Account (in sole or joint name) with the Bank and registered with i-banking and/or Phone Banking service. Hong Kong and China market free quotes are set to 500,000 counts per month during the Promotional Period, additional quote usage for all markets will not be subject to fees and charges. Free quotes count will be reset to the level as stated in "Investment Products Service Fees and Charges" after the Promotional Period.

Terms and Conditions specific to “Investment Funds Transfer-In Cash Reward” (“Transfer-In Offer”):

1. Transfer-In Offer is applicable to customers holding One Account of the Bank (“Eligible Customers”).
2. Eligible Customers will be entitled to HK$150 cash reward for every cumulative fund transfer-in of HK$100,000 (or its equivalent in other currencies) during the Promotion Period. The maximum cash reward is HK$12,000 per Eligible Customer.
3. This Transfer-in Offer is only applicable to investment fund(s) distributed and accepted by the Bank, excluding money market funds (“Eligible Funds”). The Bank reserves the right to have final decision whether the Eligible Customers can enjoy this Transfer-In Offer.
4. Eligible Funds Transfer-in application must be submitted during the Promotional Period and successfully completed on or before 30 April 2022.
5. Eligible Customers may not be able to subsequently subscribe for (or further transfer in) the transferred-in investment fund(s) via the Bank in case the relevant investment fund(s) is / are no longer open for subscription from the Bank.
6. The latest market price of the investment fund(s) made available to the Bank as of the date the Bank receives the Eligible Funds will be used to calculate the accumulated amounts of Eligible Funds transferred-in. For non-HKD denominated transfer-in fund unit, the accumulated value of the designated investment fund(s) amount transferred-in will be converted into HKD based on relevant prevailing foreign exchange rate determined by the Bank for calculation of the Transfer-In Offer entitlement.
7. The accumulated value of Eligible Funds amount transferred-in is calculated on a "per-customer basis". If the Eligible Customer has two or more One Account, all the Eligible Funds amount transferred-in of the One Account will be combined for calculation. If the One Account is a joint account, the Eligible Funds amount transferred-in will be calculated for primary account holder only.
8. If Eligible Customers redeem or transfer out, whether partially or fully, any amount or unit holdings of the transferred-in investment fund(s) held with the Bank to other financial institution(s) on or before 30 September 2022, the Bank reserves the right to forfeit all relevant cash reward of the Eligible Customer. In case of disputes, decision of the Bank shall be final and conclusive.
9. The Bank will credit cash reward into the Eligible Customers’ current or saving account on or before 30 September 2022.
10. Eligible Customers must maintain One Account and current or saving account with the Bank at the time when the cash reward is credited.
11. This Transfer-in Offer is not applicable to Private Banking customers and One Account with account suffix 90, 91, 98 and staffs of the Bank during the Promotional Period or at the time of crediting the cash reward.

Terms and Conditions specific to 0.88% and 1% Subscription Fee Offer for Investment Funds:

1. This 0.88% Subscription Fee Offer is only applicable to Private Banking and CITICdiamond customers who subscribe to Investment Funds via online channels (including inMotion, Internet Banking and Mobile Banking) during the Promotional Period.
2. This 1% Subscription Fee Offer is only applicable to CITICfirst and general customers who subscribe to Investment Funds via inMotion during the Promotional Period.
3. This Offer is not applicable to fund switching.
4. This Offer is not applicable to staff of the Bank.