Terms and Conditions of “Open Accounts and Spin Your Luck Around!” Lucky Draw (“the Program”):
General Terms and Conditions
1. The promotion period of the Program is from October 17, 2011 to January 16, 2012 (both dates inclusive)
(“the Promotion Period”).
2. To qualify for entry into the Lucky Draw, customers are required to successfully open designated banking
accounts/services stated in Clause 3 below during the Promotion Period and at the same time holding a
Savings Account or Current Account (“Eligible Customer”).
3. Eligible Customers who successfully complete the required number of designated banking
accounts/services at any branch of China Construction Bank (Asia) Corporation Limited (“the Bank”), will
immediately be entitled to enter the Lucky Draw. The designated banking accounts/services include:
Open Savings Account
Open Current Account
Open Time Deposit
Open Securities Cash/ Margin Trading Account
Open Mutual Fund Investment Account
Open Structured Deposit (FX-linked Deposit) Account
Open Equity-linked Investment Account
Open FX Margin Trading Account
Open Bond Trading Account
Open Gold Trading Account
Open Currency Switching Account
Apply Credit Card and submit with required documents#
Apply Auto Loan and submit with required documents#
Apply Mortgage Loan / Car Park Loan and submit with required document#
Apply Personal Loan and submit with required documents#
Apply General Insurance Service (excluding Travel Insurance and Contractors All-risks)
Open Safe Deposit Box
#The required documents include, but are not limited to, copy of Hong Kong Identity Card, eligible
residence proof and salary proof. Please refer to relevant promotion leaflets / application forms for
4. Eligible Customers should not have the same category of accounts/services before the Promotion Period;
the same category accounts/services will be counted as one designated banking account/service only.
Example: If both HKD and RMB Savings Accounts are opened successfully, they will be counted as one
designated account only.
5. Applicants must be residents of Hong Kong, aged 18 or above.
6. Only the principal account holders of the joint accounts fulfilling the above-mentioned designated banking
accounts/ services stated in Clause 3 above will be counted for the eligibility of the Lucky Draw.
7. The Lucky Draw will be started instantly once a customer successfully completes the designated banking
account/service at branch; the Lucky Draw will be supervised by the Branch Relationship Manager. The
Lucky Draw entry will be automatically drawn by computer.
8. Lucky Draw prizes include:
Up to 3 lots of CCB Share (Stock Code: Mutual Funds (worth up to HKD15,000)*
Up to 2,000,000 Credit Card Bonus Points* 1-Month HKD Time Deposit at Board Rate + 2%
(Maximum amount HKD500,000)*
Exchange RMB with additional 30 basis point Free Single Trip Travel Insurance (5-Days)*
(Maximum amount RMB20,000)*
HKD100 Supermarket cash coupons HKD10 or HKD20 McDonald’s® cash coupons
* The prize cannot be collected instantly.
9. Any customer who receives a cash coupon as a prize from the Lucky Draw will receive that cash coupon
from the Branch Relationship Manager right away. Customers will be required to sign a gift
acknowledgment upon receipt. Relevant terms and conditions apply to the use of the cash coupon(s).
10. Any customer who receives a non-cash coupon as a prize will immediately be provided with a Reward
Notification Letter from the Branch Relationship Manager. Customers may arrange for prize redemption
within the specified time period as stated in the Reward Notification Letter. The Bank shall not re-issue
the Reward Notification Letter. The letters are valid only with authorized signature of designated branch
staff and the Bank’s chop. Photocopies are not accepted.
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11. Lucky Draw prizes cannot be redeemed for cash or other prizes.
12. The Bank may substitute another item/offer in case of non-availability and will not provide notice of
non-availability or substitution without prior notice.
13. Any Eligible Customer who receives Credit Card Bonus Points as prizes will have their prize credited to
their specified Credit Card principal account. Details will be shown on the subsequent Statement. The
Credit Card account must be valid and in good financial standing (as determined at our discretion) during
the Promotion Period and at the time the Bonus Points are credited.
14. Eligible Customers who receive Free Single Trip Travel Insurance (5-day) as their prize will receive a
Reward Notification Letter, and the prize can be redeemed from any branch with the original Reward
Notification Letter and the Travel Insurance Application Form signed by Customers on or before October
15. The Bank is not the supplier of the cash coupons and policy underwriter of the Travel Insurance, and
therefore will not be responsible for any related obligations and liabilities.
16. The Bank’s staff and employees of its subsidiaries cannot participate in this promotion.
17. The number of times Eligible Customers are entitled to enter the Lucky Draw must be approved by Branch
staff, and the Bank retains the final decisions.
18. The Bank reserves the right to vary the Program and/or these Terms and Conditions, or to replace, cancel
or withdraw the Program, at our discretion at any time without giving prior notice.
19. The Bank retains the right of final decisions in all matters and disputes in relation to the Program.
20. In case of any inconsistency between the English and Chinese versions of these Terms and Conditions,
the English version shall prevail.
Terms and Conditions for New Customers (Customers who did not hold any designated banking
accounts/services before the Promotion Period (“New Customer”))
21. New customers who successfully complete any three of the designated banking accounts/services at
branch will be entitled to one Lucky Draw entry; New Customers who successfully complete any four of
the designated banking accounts/services will be entitled to two Lucky Draw entries; New Customers who
successfully complete any five or more of the designated banking accounts/services will be entitled to
three Lucky Draw entries. Please refer to the table below for details:
No. of new products engaged Entitlement to lucky draw entries
3 items 1
4 items 2
5 items or above 3
Example 1: New customer A did not hold any designated banking accounts/services before the Promotion
Period, and she completes three designated banking accounts/services during the Promotion Period
(Credit Card, Savings Account and Securities Account); she would be entitled to one lucky draw entry.
Terms and Conditions for Existing Customers (Customers who held at least one designated banking
account/service before the Promotion Period (“Existing Customer”))
22. Existing Customers who held one account/service stated in Clause 3 above, and successfully complete
any two extra designated banking accounts/services, will be entitled to one Lucky Draw entry; Existing
Customers who successfully complete any three extra designated banking accounts/services will be
entitled to two Lucky Draw entries; Existing Customers who successfully complete any four or more extra
designated banking accounts/services will be entitled to three Lucky Draw entries. Please refer to the
table below for details:
No. of new products engaged Entitlement to Lucky Draw entries
2 items 1
3 items 2
4 items or above 3
23. Existing Customers who held two or more accounts stated in Clause 3 above, and successfully open any
one extra designated banking accounts/services, will be entitled to one Lucky Draw entry; Existing
Customers who successfully open any two extra designated banking accounts/services will be entitled to
two Lucky Draw entries; Existing Customers who successfully open any three or more extra designated
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banking accounts/services will be entitled to three Lucky Draw entries. Please refer to the table below for
No. of new products engaged Entitlement to Lucky Draw entries
1 item 1
2 items 2
3 items or above 3
Example 2: Existing customer B held five designated banking accounts/services before the Promotion
Period (including Savings Account, Current Account, Time Deposit, Credit Card and Securities Account).
During the Promotion Period, Customer B applies for one designated banking account/service (Personal
Loan), and therefore she would be entitled to one Lucky Draw entry.
This leaflet does not constitute advice to buy or sell any investment products and does not constitute an offer with respect to
any investment products. You are encouraged to consult your own independent financial advisors before making any
investment decision. Investment products are not bank deposit and thus should not be considered as alternative of normal
Securities Cash / Margin Trading Account
The price of shares and the income from them may go down as well as up, and thus there is a risk that losses may be
incurred rather than making profits.
Risk Disclosure of Margin Trading: The client acknowledges that if client maintains a margin account with the bank, the risk
of loss in financing a transaction by deposit of collateral is significant. The client may sustain losses in excess of the client’s
cash and any other assets deposited as collateral with the bank. Market conditions may make it impossible to execute
contingent orders, such as stop-loss or stop-limit orders. The client may be called upon at short notice to make additional
margin deposits or interest payments. If the required margin deposits or interest payments are not made within the
prescribed time, the client’s securities collateral may be liquidated without the client’s consent. Moreover, the client will
remain liable for any resulting deficit in the client’s account and interest charged on the client’s account. The client should
therefore carefully consider whether such a financing arrangement is suitable in light of the client’s own financial position
and investment objectives.
Mutual Fund Investment Account
Mutual Fund Investment service is applicable to Hong Kong Residents only. The past performance of a fund is not a guide to
its future performance and yields are not guaranteed. The value of an investment can go down as well as up and you could
lose some or all of the principal amount invested. Funds are not deposits or other obligations of, or guaranteed by, China
Construction Bank (Asia) Corporation Limited (the "Bank") or any of its affiliates. Although the Bank does not charge a fee
for providing the services described above, it will normally be paid a commission by the fund manager. For the risks involved
in investing in mutual funds, investors should refer to the prospectus of the relevant funds.
This is an investment product and some many involve derivatives. The investment decision is yours but you should not
invest in the Mutual Fund 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.
Structured Deposit (FX - linked Deposit) Account
The return on FX Linked Deposits is limited to the nominal interest payable, which will be dependent, to at least some extent,
on movements in some specified currency exchange rate. Whilst the possible return may be higher than conventional time
deposits, it is normally associated with higher risks. When the fluctuation of the currency exchange rates differs from what
the Customer expected, the Customer may have to bear the consequential loss. If a Deposit is approved by the Bank to be
withdrawn before its maturity, the Customer may also need to bear the costs involved. The relative losses and costs may
reduce the return and the principal amount of the Deposit which the Customer may get back.
Note that FX Linked Deposit is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the FX
Linked Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having
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regard to your financial situation, investment experience and investment objectives.
Equity - linked Investment Account
Investment in equity linked products involves substantial risks including market risk, liquidity risk, and the risk that the
issuer(s) who will be unable to satisfy its obligations under the equity linked products. Investors should read the relevant
prospectus, information memorandum and/or offering documents to ensure that they understand the nature of all of these
risks before making a decision to invest in equity linked products. Investors should consider carefully whether equity linked
products are suitable for them in light of their experience, objectives, financial position and other relevant circumstances.
Investors should recognize that their equity linked products may mature worthless.
You are advised to read all sections in the issuers' product information memorandum and/or offering documents which give
a full description of the risks.
While the maximum return on an equity linked product is usually limited to a predetermined amount of cash, an investor
stands to potentially lose up to the entire investment amount if the underlying stock price moves substantially against the
investor's view. You should consult your own licensed stockbroker, licensed investment adviser and/or other professional
advisers as to whether equity linked products are appropriate to you in light of your financial resources, investment
experience and investment objectives before making any decision to invest in equity linked products.
Securities: The value of your investment in equity linked products is linked to the value of the nominated stocks. Accordingly,
you should only invest in the equity linked products over securities which you well-versed in. The prices of securities
fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. Thus, there is
a risk that significant losses may be incurred on the principal rather than making profit.
This is a structured product involving derivatives. The investment decision is yours but you should not invest in the
Structured Equity Linked Investment 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.
FX Margin Trading Account
The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial
margin funds. Placing contingent orders, such as “stop loss” or “stop limit” orders, will not necessarily limit losses to the
intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short
notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position will
be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether
such trading is suitable in light of your own financial position and investment objectives. Please refer to the risk disclosures
in the specific documentation of these products before making a decision to invest using margin or leverage.
Bond Trading Account
The price of bonds may go down as well as up, and thus there is a risk that losses may be incurred rather than making
This is an investment product and may involve derivatives. The investment decision is yours but you should not invest in the
Bonds 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.
Gold Trading Account
The gold market is volatile and a loss may be incurred from trading gold. Gold does not bear interest. Your purchase of gold
for the account does not represent a purchase of physical gold or a deposit of money. You will not have any interest in any
gold owned or held by the Bank, or be entitled to physical delivery of gold. Although investment may bring about profit
opportunities, each kind of investment tool comes with its own risks. Due to the fluctuating nature of the gold market, the
gold price may rise or fall beyond your expectations and your investment funds may increase or decrease in value as a
result of the buying or selling of gold. Before making any investment decisions, you should assess your own willingness and
ability to bear risks and seek advice from an independent financial advisor. You should read the Principal Brochure in
conjunction with the Terms and Conditions for Gold Trading and understand those risks involved.
Currency Switching Account
Currency exchange rates are affected by a wide range of factors, including national and international financial and
economic conditions, political and natural events. The effect of normal market forces may at times be countered by
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intervention by central banks and other bodies. At times, exchange rates, and prices linked to such rates, may rise or fall
rapidly. If you have any concerns about this product, you should consult your professional financial advisers.
Exchange controls or other monetary measures may be imposed by a government, sometimes with little or no warning.
Such measures may have a significant effect on the convertibility or transferability of a currency and may have unexpected
consequences for a FX Forward Transaction that the Customer is holding.
Currency Switching Service (FX Forward) is an investment product. The investment decision is yours but you should not
invest in Currency Switching Service (FX Forward) 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.
The above is not a contract of insurance and is intended only as a general summary of the terms of insurance. The specific
details, terms and conditions applicable to those insurance are set out in the policy. The information contained in this leaflet
is a general summary. All terms and conditions are set out in the policy.
RMB Currency Risk
RMB is currently not freely convertible and is subject to exchange controls and restrictions. For example, you may have to
allow time for conversion of RMB from/to another currency of an amount exceeding the daily limit. Besides, there is no
guarantee that RMB will not depreciate. If customers convert Hong Kong Dollar or any other currency into RMB so as to
invest in RMB denominated investment products and subsequently convert the RMB Repayment Amount back into Hong
Kong Dollar or any other currency, you may suffer a loss if RMB depreciates against Hong Kong Dollar or other currency.
Terms and Conditions for opening of e-banking account and usage of e-statement (“the Offer”):
1. The Offer is valid from 17 October 2011 to 16 January 2012, both dates inclusive ("the Promotional
2. a) Customer who registers Online Banking, subscribes for eStatement Service together with eAlert and
downloads his first eStatement during the Promotional Period will be entitled to a HKD50 ParknShop
b) Existing Online Banking Customer who subscribes for eStatement Service together with eAlert and
downloads his first eStatement during the Promotional Period will be entitled to a HKD20 ParknShop
3. The redemption letter of the Offer will be sent by post to the eligible Customers by the end of February
4. Eligible Customer shall maintain the registration and subscription of the Online Banking and the
eStatement Service at the time of redemption; otherwise he will not be entitled to the Offer.
5. The coupons cannot be exchanged for cash or other offers and will be subject to the relevant merchant’s
goods and services provided by the relevant merchant.
6. Online Banking Service and eStatement Service are subject to relevant terms and conditions. Please refer
to our Bank’s web site for details.
7. For joint name account, only the primary account holder can enjoy the Offer.
8. The Bank reserves the right to vary the Offers and /or these Terms and Conditions and to replace, cancel or
withdraw the Offers at its discretion at any time without prior notice.
9. Employees of the Bank are not applicable for the coupon reward in this Promotion.
10. In case of any dispute arising from this promotion, the decision of the Bank shall be final and conclusive.
11. In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions,
the English version shall apply and prevail.
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