Chong Hing Bank - Service Upgrade Details

Notice of Support Forward-dated Fixed Deposit Placement Service (Version Sep 2026)

A. Upgrade Summary

1. Support Forward-dated Fixed Deposit Placement

B. Upgrade Content

1. Support Forward-dated Fixed Deposit Placement

To increase the flexibility of fixed deposit services, when placing a fixed deposit, customer can choose a specific deposit date up to 45 calendar days in advance. The final interest rate will be determined based on the interest rate of that day. Once submitted the instruction, customer can view their instruction anytime under “Forward-dated Fixed Deposit Overview” before the scheduled deposit date. If necessary, customer may amend or delete the instruction at least 1 day before the deposit date.

A. Upgrade Summary

1. Enhancement on Remote Account Opening Service

B. Upgrade Content

1. Enhancement on Remote Account Opening Service

Optimize the remote account opening process and streamline operations to provide customers with a seamless and efficient digital account opening experience.

A. Upgrade Summary

1. Diversify assessment dimensions for Asset Concentration

B. Upgrade Content

1. Diversify assessment dimensions for Asset Concentration

To ensure that all relevant specific circumstances of customers are fully considered when assessing the suitability of investment products, the assessment dimension for Asset Concentration, including risk rating group, particular investment product and asset category, will be added to Currency Linked Deposit (CLD) and Currency Linked Investment (CLI) products, thereby enhancing the content of the suitability assessment.

A. Upgrade Summary

1. New “Mastercard Click to Pay” service
2. New “Recent Operation Record” function
3. New Precious Metal account opening service
4. Chinese Mainland investor opens Investment account, Precious Metal account or to be referred for opening Chong Hing Securities account
5. Support for updating “Education Level” by redirecting to the “Change Personal Information” function via the “Life Insurance” page

B. Upgrade Content

1. New “Mastercard Click to Pay” service

Customers can now enroll in Mastercard Click to Pay service through Mobile Banking or Internet Banking and agree to add the Chong Hing Mastercard to Mastercard Click to Pay for online transactions. Mastercard Click to Pay provides a simple and secure way to pay online or in-app. When you see the Mastercard Click to Pay icon during an online transaction, there is no need to manually enter Mastercard details, making the checkout process safer and faster.

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

2. New“Recent Operation Record” function

A new “Recent Operation Record” function has been introduced. Customers may review the logon records and designated transaction / activity records of the Internet Banking and Mobile Banking via “Personal Information and Security Settings” on Mobile Banking from the past 90 days at any time to enhance account security.

3. New Precious Metal account opening service

Precious Metal account opening service is newly added in the “Wealth” module. Please refer to the website for product details.

Offering documents of Paper Gold Scheme comprise the Principal Brochure, Product Key Facts Statement and Terms and Conditions.

4. Chinese Mainland investor opens Investment account, Precious Metal account or to be referred for opening Chong Hing Securities account

To comply with the circular issued by the Hong Kong Monetary Authority and the Securities and Futures Commission of Hong Kong on 22 May 2026 regarding “Expected controls for account opening and maintaining relationships with clients with investment accounts”, Chinese Mainland investor ^Notesopens Chong Hing Bank’s Investment account, Precious Metal account or to be referred for opening a Chong Hing Securities account via "Chong Hing Mobile Banking" App, must first read and accept the “Declaration” to continue the application.

Notes: Refer to an individual investor who uses resident identity card and/or passport issued by the People’s Republic of China as an identification document, according to the Bank’s record or when opening an investment account / precious metal account / being referred to open a Chong Hing Securities account.

5. Support for updating “Education Level” by redirecting to the “Change Personal Information” function via the “Life Insurance” page

To facilitate online life insurance application, if customers do not have an education level recorded with the Bank, a prompt will appear on the page to guide them to provide that information via “Change Personal Information” first. Once successfully updated, customers can return to the “Life Insurance” page to continue with their application.

A. Upgrade Summary

1. New Loan Application Services

2. Adjust transaction limits for new Remote Account Opening customer

3. Extend service hours of Fixed Deposit, Currency Exchange, FCY Exchange Fixed Deposit, Currency Linked Deposit and Currency Linked Investment

B. Upgrade Content

1. New Loan Application Services

Both new and existing customers can log on to Mobile Banking to complete the entire personal loan process from application to final disbursement, all in one place, with full control at every step. Additionally, customers can upload or supplement required documents anytime for approval and check the latest application status instantly, making the process simple and convenient.

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

2. Adjust transaction limits for new Remote Account Opening customer

To safeguard customer funds, starting from 22 May 2026, new customers who successfully open an account through Remote Account Opening (excluding customers upgrade to Private Banking, Exceed Banking or Go Banking) will have their maximum aggregated daily transaction limit for fund transfer and telegraphic transfer set at HK$100,000 for the first 6 months after the account is opened.

3. Extend service hours of Fixed Deposit, Currency Exchange, FCY Exchange Fixed Deposit, Currency Linked Deposit and Currency Linked Investment

To facilitate customers in conducting online transactions, service hours of (1) Fixed Deposit, (2) Currency Exchange, (3) FCY Exchange Fixed Deposit, (4) Currency Linked Deposit and (5) Currency Linked Investment on Internet Banking will be extended. Details are as follows:

Function	Service Hour(s)
Fixed Deposit	Mondays to Saturdays: 8:30 am to 9:00 pm Sundays and public holidays: Service unavailable
Currency Exchange	Mondays to Saturdays: 8:30 am to 10:00 pm Sundays and public holidays: Service unavailable
FCY Exchange Fixed Deposit	Mondays to Saturdays: 8:30 am to 9:00 pm Sundays and public holidays: Service unavailable
Currency Linked Deposit	Mondays to Fridays: 8:30 am to 8:00 pm Saturdays, Sundays and public holidays: Service unavailable
Currency Linked Investment – FX Swap	Mondays to Fridays: 8:30 am to 5:00 pm Saturdays, Sundays and public holidays: Service unavailable

A. Upgrade Summary

1. New “Reset via Branch” option for forgotten password
2. Optimized bill payment services to remain unaffected by severe weather

B. Upgrade Content

1. New “Reset via Branch” option for forgotten password

To enhance customer convenience, the “Forgot Password” function in Mobile Banking Services now include a new “Reset via Branch” option. Customer can visit any branch in person to reset password immediately, further improving service efficiency.

2. Optimized bill payment services to remain unaffected by severe weather

To provide more convenient service for customers, starting from 27 April 2026, bill payment instructions submitted via Internet Banking and Mobile Banking Services will no longer be affected by severe weather conditions (including Typhoon Signal No. 8 or above, Black Rainstorm Warning, or “Extreme Conditions” announced by the HKSAR Government).