個人客戶跨境財富服務

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跨境財富服務 -

專才及優才客戶

創興銀行（「本行」）特別為優秀人才入境計劃及高端人才通行證計劃到港的客戶（「優才客戶」及「專才客戶」）推出「個人客戶跨境財富服務」推廣計劃，優惠包括存款﹑信用卡﹑保險﹑投資及私人貸款方面，讓客戶體驗全面、專業及優質的理財服務。

產品	推廣期（包括首尾兩天）	合資格客戶	優才及專才客戶優惠	推廣優惠條件
存款	2026年1月2日至2026年6月30日	全新客戶^1a成功開立本行「悅秀理財」賬戶或「悅進理財」賬戶	迎新奬賞高達HK$29,500 開戶奬賞^1b高達HK$500 維持總資產結存增長獎賞至指定日期，最高可享²高達HK$8,000 累積投資交易獎賞³高達HK$8,000 存款優惠⁴ 3個月港元定存^4a特惠年利率首3個月港元儲蓄存款^4b - 可享額外2%獎金獎賞親友推薦獎賞⁵高達HK$13,000	1a. 「全新客戶」指於開戶前12個月內於本行並未持有個人及／或聯名賬戶（只持有信用卡賬戶者除外） 1b. 客戶親臨本行任何香港分行，成功晉身「悅秀理財」或「悅進理財」並於推廣期內由開戶月起計第2至4個曆月期間之總資產結存增長分别維持HK$1,000,000 或以上或HK$200,000或以上（或其等值）可享HK$500或HK$200奬賞。客戶可透過網上預約分行開戶 2. 總資產結存增長的客戶須於推廣期內同時符合任何2項以下條件：成功開立投資賬戶及完成投資風險及脆弱客戶評估問卷；或成功啟動本行數碼銀行服務（例如網上銀行及流動理財）；或成功完成外幣兌換交易金額累計達悅秀理財：HK$30,000 （或等值港幣）或以上／悅進理財：HK$10,000 （或等值港幣）或以上；或成功登記出糧賬戶服務推廣並於登記後兩個月內錄得出糧交易金額達HK$20,000或以上。 3. 客戶須同時符合以下條件：只計算基金認購（不包括基金轉換／基金認購費低於1.25%的交易）或股票掛鈎投資／外幣掛鈎存款／外幣掛鈎投資之認購交易或香港人壽保險計劃申請（生效狀態） 4a. 只適用於客戶在推廣期內敍造3個月港元定期存款金額達HK$1,000,000或以上之定期存款。 4b. 只適用於開戶後首3個月之首HK$10,000-HK$200,000之儲蓄存款並符合「總資產結存增長獎賞」的要求，定期存款不計算在內。 5. 受薦人須符合指定條件，推薦人方可獲享推薦獎賞，每位推薦人最高可享HK$13,000現金回贈。
存款	2026年1月2日至2026年6月30日	全新客戶^1a成功開立本行「悅秀理財」賬戶或「悅進理財」賬戶	兑換敍造3個月港幣定存享3.0%年利率優惠（HK$200,000或以上）	客戶須經本行指定分行，以指定貨幣經本行牌價兌換成港元並同時開立3個月之港元定期存款，即可享3.0%年利率優惠，起存金額（HK$200,000或以上）。
信用卡	2026年1月2日至2026年6月30日	全新客戶成功申請信用卡及成功開立「悅秀理財」或「悅進理財」賬戶	高達HK$800迎新獎賞	全新客戶於推廣期內成功申請創興銀聯雙幣鑽石信用卡／創興Visa白金卡或萬事達白金卡。於信用卡發卡後首2個月內累積合資格零售簽賬HK$/RMB8,000或累積指定電子錢包消費HK$4,000。客戶必須成功開立「悅秀理財」或「悅進理財」賬戶，才可享此獎賞。此獎賞不能與其他獎賞同時享用。
保險	2026年1月2日至2026年3月31日	本行尊貴客戶	人壽保險「財務需要分析」禮遇可獲贈價值HK$200之超市現金禮券或「香港人壽鍍金擺設」乙件（禮券數量有限，先到先得）「煥新啟航賞2026」客戶優惠 (a) 保費折扣優惠可獲享指定基本計劃之整付／首年／第二年及預繳保費折扣1%-20% (b) 「特選備用保費戶口額外首年保證年利率」客戶推廣 (c) 「健康自在賞」-- 健康服務只適用於離岸客戶的優惠 (d) 離岸客戶優惠可獲享指定基本計劃之首年保費折扣等值HK$1,088-20,688 (e)「健康自在賞」-- 健康檢查	銀行尊貴客戶指本行的以下客戶及其推薦之直系親屬（指父母、配偶、子女、兄弟姐妹、祖父母、祖孫）。 (i) 私人銀行客戶； (ii) 離岸客戶； (iii) 高資產客戶（客戶於投保人壽保險時，其資產管理規模（即AUM）須達港元100萬等值或以上）； (iv) 透過「高端人才通行證計劃」或「優秀人才入境計劃」獲准來港的人士「財務需要分析」禮遇銀行客戶於推廣期內親臨本行之任何分行並就保險進行財務需要分析（選購產品部分除外），完成後可獲贈價值HK$200之超市現金禮券或「香港人壽鍍金擺設」乙件（數量有限，先到先得）。「煥新啟航賞2026」客戶優惠為符合獲享優惠之資格，任何合資格人壽保險計劃之投保請書必須於推廣期內簽署及遞交。 (a) 保費折扣優惠包括「御富」儲蓄保險計劃客戶優惠、「悅月豐盛」儲蓄保險計劃客戶優惠、「創富未來」多元貨幣計劃客戶優惠、「致富易」(優越)儲蓄壽險計劃客戶優惠、「二賞得到」客戶優惠、「致富寶III」儲蓄壽險計劃客戶優惠及「綽裕 V」萬用壽險計劃客戶優惠。受限於一般條款及細則及本指定條款及細則，符合要求的客戶將可享基本計劃之整付或首年保費折扣：(i)於推廣期內成功投保指定的合資格人壽保險計劃；(ii)基本計劃之整付或首年年度化保費不少於相關優惠所訂明之相應金額（視情況而定）；(iii)客戶符合相關優惠所訂明之保費繳付方式要求（視優惠或客戶類別而定）（如適用）；及(iv)保單獲成功繕發。 (b) 「特選備用保費戶口額外首年保證年利率」客戶推廣受限於一般條款及細則及本指定條款及細則，客戶必須於推廣期內簽署及遞交任何一份由香港人壽承保之合資格人壽保險計劃之投保申請書，於申請時繳交合資格人壽保險計劃之首期保費及保費供款年期內所需之總淨預繳保費（不包括首年年繳保費）（「總淨預繳保費」）及以年繳方式繳付保費，並且有關投保申請書之保單隨後獲成功繕發，其存於特選備用保費戶口內的總淨預繳保費方符合獲享額外首年保證年利率及非保證年利率（基本）之資格。 (c) 「健康自在賞」-- 健康服務受限於一般條款及細則及本指定條款及細則，個人客戶i)於推廣期內投保任何一份由香港人壽承保之合資格保險計劃；(ii)基本計劃之整付或首年保費不少於訂明之相應金額（視情況而定）；(iii)保費以整付或年繳方式繳付；及(iv)保單獲成功繕發，可獲享1)由醫結提供之流感疫苗及／或2)由萬寧提供之萬寧藥健保障計劃乙次及/或3)由鎂信健康提供之權益卡（一年／五年／十年期，視情況而定）乙張。離岸客戶，即以香港境外地方的有關當局發出的身分證明文件作投保申請的保單權益人，而該身分證明文件並不包括香港身分證、香港特區護照或英國國民（海外）護照。 (d) 離岸客戶優惠受限於一般條款及細則、有關首年保費折扣之指定條款及細則及本指定條款及細則，離岸客戶優惠（「優惠」）為香港人壽承保之相關合資格人壽保險計劃之基本計劃之首年保費折扣。 (e) 「健康自在賞」-- 健康檢查受限於一般條款及細則及本指定條款及細則，指定客戶於推廣期內投保任何一份指定的合資格人壽保險計劃，並符合相關之保費要求及保單獲成功繕發，可獲享由醫結提供之健康檢查乙次。優惠受相關條款及細則約束，詳情請向本行職員查詢及同時參閱香港人壽「煥新啟航賞2026」客戶優惠宣傳單張。
投資	2026年1月1日至2026年6月30日	持本行有效個人投資賬戶的客戶	完成/更新「投資風險及脆弱客戶評估問卷」，可獲HK$100電子現金券獎賞。	合資格客戶必須於本行網上銀行/流動理財完成/更新「投資風險及脆弱客戶評估問卷」。如客戶已參與本行於2025 年 7 月 1 日至2025 年12月31日舉辦的完成更新「投資風險及脆弱客戶評估問卷」獎賞（2025 年下半年），將不能參與本次推廣及獲得獎賞。
私人貸款	2026年1月1日至2026年6月30日	成功申請「優才客戶」及「專才客戶」私人貸款（須成功開立本行港幣儲蓄或往來同名賬戶）	成功提取「優才客戶」及「專才客戶」私人貸款金額達HK$1,000,000，可享實際年利率低至2.41%。	以私人貸款額HK$1,000,000、每月平息0.108%及還款期12個月計算，實際年利率為2.41%（豁免手續費）

借定唔借？還得到先好借！

有關以上推廣之條款及細則，請參閱以下連結。

風險披露聲明

本宣傳品之內容僅供參考，並不構成任何方式之招攬、邀請及建議。
個別基金乃涉及金融衍生工具的投資產品。投資決定是由閣下自行作出的，但閣下不應投資在該產品，除非中介人於銷售該產品時已向閣下解釋經考慮閣下的財務情況、投資經驗及目標後，該產品是適合閣下的。
以外幣作出的投資受匯率波動而產生獲利機會及虧損風險。客戶如將外幣兌換成為港幣或其他外幣時，可能受外幣匯率的波動而獲利或蒙受虧損，甚至損失全部本金。因此，閣下應慎重考慮該項目是否適合閣下的財務狀況以及投資目標。人民幣目前並未能自由兌換，而香港各銀行進行人民幣兌換均受中國及／或香港有關規管當局或有關機構不時釐定之規則、指引、規定及條款所規限。
投資涉及風險，過往業績並不代表將來表現。投資產品價格可升可跌，甚至變得毫無價值。投資者在作出任何投資決定前，應考慮本身的投資目標、投資經驗、財務狀況、風險承受程度及其他相關條件，並細閱有關銷售文件及風險披露聲明。如有任何疑問，應諮詢獨立的法律及財務顧問意見。以上獎賞並不構成亦不應視為要約或游說買賣任何投資產品或服務。投資產品並不保本及有別於一般定期存款，故不應被視為一般定期存款之代替品。投資者不應只單憑本宣傳品而作出投資決定。
本宣傳品由創興銀行有限公司刊發，內容並未經香港證券及期貨事務監察委員會或任何監管機構審閱。

請注意，此等資料只可在推廣期內透過以下渠道供查閱及下載，恕本行未能以紙張形式提供。如有需要，請儲存有關資料的副本，以備日後參考。否則在推廣期後，閣下或未能再次查閱或下載有關資料。

條款及細則

創興銀行「個人客戶跨境財富服務」推廣計劃一般條款及細則
創興銀行「存款優惠」條款及細則
創興銀行「信用卡優惠」條款及細則
創興銀行「保險優惠」條款及細則
完成/更新「投資風險及脆弱客戶評估問卷」獎賞2026年(上半年) 條款及細則
創興銀行「「優才客戶」及「專才客戶」私人貸款」條款及細則

越秀集團成員

跨境财富服务 -

专才及优才客户

创兴银行（「本行」）特别为优秀人才入境计划及高端人才通行证计划到港的客户（「优才客户」及「专才客户」）推出「个人客户跨境财富服务」推广计划，优惠包括存款﹑信用卡﹑保险﹑投资方面及私人貸款，让客户体验全面、专业及优质的理财服务。

产品	推广期（包括首尾两天）	合资格客户	优才及专才客户优惠	推广优惠条件
存款	2026年1月2日至2026年6月30日	全新客户^1a成功开立本行「悦秀理财」账户或「悦进理财」账户	迎新奬赏高达 HK$29,500 开户奬赏^1bHK$500 维持总资产结存增长奖赏至指定日期，最高可享²高达HK$8,000 累积投资交易奖赏³高达HK$8,000 存款优惠⁴ 3个月港元定存^4a特惠年利率首3个月港元储蓄存款^4b - 可享额外2%奖金奖赏亲友推荐奖赏⁵高达HK$13,000	1a. 「全新客户」指于开户前12个月内于本行并未持有个人及／或联名账户（只持有信用卡账户者除外）。 1b. 客户亲临本行任何香港分行，成功晋身「悦秀理财」或「悦进理财」并于推广期内由开户月起计第2至4个历月期间之总资产结存增长分别维持HK$1,000,000 或以上或HK$200,000或以上（或其等值）可享HK$500或HK$200奬赏。客户可透过网上预约分行开户 2. 总资产结存增长的客户须于推广期内同时符合任何2项以下条件：成功开立投资账户及完成投资风险及脆弱客户评估问卷；或成功启动本行数码银行服务（例如网上银行及流动理财）；或成功完成外币兑换交易金额累计达悦秀理财：HK$30,000（或等值港币）或以上／悦进理财：HK$10,000 （或等值港币）或以上；或成功登记出粮账户服务推广并于登记后两个月内录得出粮交易金额达HK$20,000或以上。 3. 客户须同時符合以下条件：只计算基金认购（不包括基金转换／基金认购费低于1.25%的交易）或股票挂钩投资／外币挂钩存款／外币挂钩投资之认购交易或香港人寿保险计划申请（生效状态） 4a. 只适用于客户在推广期内叙造3个月港元定期存款金额达HK$1,000,000或以上之定期存款。 4b. 只适用于开户后首3个月之首HK$10,000-HK$200,000之储蓄存款并符合「总资产结存增长奖赏」的要求，定期存款不计算在内。 5. 受荐人须符合指定条件，推荐人方可获享推荐奖赏，每位推荐人最高可享HK$13,000现金回赠。
存款	2026年1月2日至 2026年6月30日	全新客户^1a成功开立本行「悦秀理财」账户或「悦进理财」账户	兑换叙造3个月港币定存享3.0%年利率优惠（HK$200,000或以上）	客户须经本行指定分行，以指定货币经本行牌价兑换成港元并同时开立3个月之港元定期存款，即可享3.0%年利率优惠，起存金额（HK$200,000或以上）。
信用卡	2026年1月2日至 2026年6月30日	全新客户成功申请信用卡及成功开立「悦秀理财」或「悦进理财」账户	高达HK$800迎新奖赏	全新客户于推广期内成功申请创兴银联双币钻石信用卡／创兴Visa白金卡或万事达白金卡。于信用卡发卡后首2个月内累积合资格零售签账HK$/RMB 8,000或累积指定电子货币包消费HK$4,000。客户必须成功开立「悦秀理财」或「悦进理财」账户，才可享此奖赏。此奖赏不能与其他奖赏同时享用。
保險	2026年1月2日至 2026年3月31日	本行尊贵客户	人寿保险「财务需要分析」礼遇可获赠价值HK$200之超市现金礼券或「香港人寿镀金摆设」乙件（礼券数量有限，先到先得）「焕新启航赏2026」客户优惠 (a) 保费折扣优惠可获享指定基本计划之整付／首年／第二年及预缴保费折扣1%-20% (b) 「特选备用保费户口额外首年保证年利率」客户推广 (c) 「健康自在赏」-- 健康服务只适用于离岸客户的优惠 (d) 离岸客户优惠可获享指定基本计划之首年保费折扣等值HK$1,088-20,688 (e)「健康自在赏」-- 健康检查	银行尊贵客户指本行的以下客户及其推荐之直系亲属（指父母、配偶、子女、兄弟姐妹、祖父母、祖孙）。 (i) 私人银行客户； (ii) 离岸客户； (iii) 高资产客户（客户于投保人寿保险时，其资产管理规模（即AUM）须达港元100万等值或以上）； (iv) 透过「高端人才通行证计划」或「优秀人才入境计划」获准来港的人士「财务需要分析」礼遇银行客户于推广期内亲临本行之任何分行并就保险进行财务需要分析（选购产品部分除外），完成后可获赠价值HK$200之超市现金礼券或「香港人寿镀金摆设」乙件（数量有限，先到先得）。「焕新启航赏2026」客户优惠为符合获享优惠之资格，任何合资格人寿保险计划之投保请书必须于推广期内签署及递交。 (a) 保费折扣优惠包括「御富」储蓄保险计划客户优惠、「悦月丰盛」储蓄保险计划客户优惠、「创富未来」多元货币计划客户优惠、「致富易」(优越)储蓄寿险计划客户优惠、「二赏得到」客户优惠、「致富宝III」储蓄寿险计划客户优惠及「绰裕 V」万用寿险计划客户优惠。受限于一般条款及细则及本指定条款及细则，符合要求的客户将可享基本计划之整付或首年保费折扣：(i)于推广期内成功投保指定的合资格人寿保险计划；(ii)基本计划之整付或首年年度化保费不少于相关优惠所订明之相应金额（视情况而定）；(iii)客户符合相关优惠所订明之保费缴付方式要求（视优惠或客户类别而定）（如适用）；及(iv)保单获成功缮发。 (b) 「特选备用保费户口额外首年保证年利率」客户推广受限于一般条款及细则及本指定条款及细则，客户必须于推广期内签署及递交任何一份由香港人寿承保之合资格人寿保险计划之投保申请书，于申请时缴交合资格人寿保险计划之首期保费及保费供款年期内所需之总净预缴保费（不包括首年年缴保费）（「总净预缴保费」）及以年缴方式缴付保费，并且有关投保申请书之保单随后获成功缮发，其存于特选备用保费户口内的总净预缴保费方符合获享额外首年保证年利率及非保证年利率（基本）之资格。 (c) 「健康自在赏」-- 健康服务受限于一般条款及细则及本指定条款及细则，个人客户i)于推广期内投保任何一份由香港人寿承保之合资格保险计划；(ii)基本计划之整付或首年保费不少于订明之相应金额（视情况而定）；(iii)保费以整付或年缴方式缴付；及(iv)保单获成功缮发，可获享1)由医结提供之流感疫苗及／或2)由万宁提供之万宁药健保障计划乙次及/或3)由镁信健康提供之权益卡（一年／五年／十年期，视情况而定）乙张。离岸客户，即以香港境外地方的有关当局发出的身分证明文件作投保申请的保单权益人，而该身分证明文件并不包括香港身分证、香港特区护照或英国国民（海外）护照。 (d) 离岸客户优惠受限于一般条款及细则、有关首年保费折扣之指定条款及细则及本指定条款及细则，离岸客户优惠（「优惠」）为香港人寿承保之相关合资格人寿保险计划之基本计划之首年保费折扣。 (e) 「健康自在赏」-- 健康检查受限于一般条款及细则及本指定条款及细则，指定客户于推广期内投保任何一份指定的合资格人寿保险计划，并符合相关之保费要求及保单获成功缮发，可获享由医结提供之健康检查乙次。优惠受相关条款及细则约束，详情请向本行职员查询及同时参阅香港人寿「焕新启航赏2026」客户优惠宣传单张。
投资	2026年1月1日至 2026年6月30日	持本行有效个人投资账户的客户	完成／更新「投资风险及脆弱客户评估问卷」，可获HK$100电子现金券奖赏。	合资格客户必须于本行网上银行／流动理财完成／更新「投资风险及脆弱客户评估问卷」。如客户已参与本行于2025年7月1日至2025年12月31日举办的完成更新「投资风险及脆弱客户评估问卷」奖赏（2025 年下半年），将不能参与本次推广及获得奖赏。
私人贷款	2026年1月1日至2026年6月30日	成功申请「优才客户」及「专才客户」私人贷款（须成功开立本行港币储蓄或往来同名账户）	成功提取「优才客户」及「专才客户」私人贷款金额达HK$1,000,000，可享实际年利率低至2.41%。	以私人贷款额HK$1,000,000、每月平息0.108%及还款期12个月计算，实际年利率为2.41%（豁免手续费）

借定唔借？还得到先好借！

有关以上推广之条款及细则，请参阅以下连结。

风险披露声明

本宣传品之内容仅供参考，并不构成任何方式之招揽、邀请及建议。
个别基金乃涉及金融衍生工具的投资产品。投资决定是由阁下自行作出的，但阁下不应投资在该产品，除非中介人于销售该产品时已向阁下解释经考虑阁下的财务情况、投资经验及目标后，该产品是适合阁下的。
以外币作出的投资受汇率波动而产生获利机会及亏损风险。客户如将外币兑换成为港币或其他外币时，可能受外币汇率的波动而获利或蒙受亏损，甚至损失全部本金。因此，阁下应慎重考虑该项目是否适合阁下的财务状况以及投资目标。人民币目前并未能自由兑换，而香港各银行进行人民币兑换均受中国及／或香港有关规管当局或有关机构不时厘定之规则、指引、规定及条款所规限。
投资涉及风险，过往业绩并不代表将来表现。投资产品价格可升可跌，甚至变得毫无价值。投资者在作出任何投资决定前，应考虑本身的投资目标、投资经验、财务状况、风险承受程度及其他相关条件，并细阅有关销售文件及风险披露声明。如有任何疑问，应咨询独立的法律及财务顾问意见。以上奖赏并不构成亦不应视为要约或游说买卖任何投资产品或服务。投资产品并不保本及有别于一般定期存款，故不应被视为一般定期存款之代替品。投资者不应只单凭本宣传品而作出投资决定。
本宣传品由创兴银行有限公司刊发，内容并未经香港证券及期货事务监察委员会或任何监管机构审阅。

请注意，此等资料只可在推广期内透过以下渠道供查阅及下载，恕本行未能以纸张形式提供。如有需要，请储存有关资料的副本，以备日后参考。否则在推广期后，阁下或未能再次查阅或下载有关资料。

越秀集团成员

Cross-boundary financial services of individual customers -
Professional Customer and Top Talent Customer

Chong Hing Bank (the "Bank") provides “Cross-boundary Financial Services of Individual Customers” program especially for Customers of the Quality Migrant Admission Scheme and the Top Talent Pass Scheme (“Professional Customer” and “Top Talent Customer”) , including deposits, credit cards, insurance, investment and personal loan, offers a comprehensive, professional and high-quality financial service experience to customers.

Product	Promotion Period (both dates inclusive)	Eligible Customers	Promotions for Professional Customers and Top Talent Customers	Promotional Offer Conditions
Deposit	2 January 2026 to 30 June 2026	New customers^1a who have successfully joined Chong Hing Exceed Banking or Go Banking	Welcome Rewards up to HK$29,500 Up to HK$500 Cash rebate for New Account Opening^1b Maintain the amount of Total Asset Balance Growth²until the designated date to enjoy up to HK$8,000 Credit Card Cash Rebate Accumulated Investment Transaction Reward³ up to HK$8,000 Deposit Offers⁴ 3 months HKD Fixed Deposit^4a Preferential Interest Rates Extra 2% Bonus Reward HKD Savings Deposit^4b for the first 3 months Referral Rewards⁵ up to HK$13,000	1a. For New Customer who has not held any single name and/or joint name account (except credit card account)with the Bank in the past 12 months prior to account opening. 1b. Customers must successfully join Exceed Banking or Go Banking at any branch of the Bank in Hong Kong and maintain the amount of Total Asset Balance Growth of HK$1,000,000 or HK$200,000 or above (or its equivalent) during the 2nd to 4th month after opened a to enjoy a HK$500 or HK$200 reward. Customers can make an online appointment to open an account 2. Customers with Total Asset Balance Growth are required to fulfill any 2 of the following requirements within the Promotion Period: Open a new Investment Account and completes the Investment Profile Questionnaire and Vulnerable Customer Assessment successfully; or Activate the Bank’s Digital Banking Services (for example Internet banking, Mobile Banking) successfully; or Completes the foreign exchange transaction successfully with accumulated amount of HK$30,000 (or HKD equivalent) or above for Exceed Banking and HK$10,000 (or HKD equivalent) or above for Go Banking ; or Register to the Payroll Account Service Promotion successfully and have a payroll transaction of HK$20,000 or above within two months after registration 3. Customers are required to fulfill the following requirements: Only the transaction of Investment Funds subscription (investment fund switching/ subscription fee of those Investment Funds lower than 1.25% are excluded) or Equity Linked Investments/ Currency Linked Deposit/ Currency Linked Investment subscription or Hong Kong Life Insurance Plans application (in-force status) will be calculated. 4a. Only applicable to customers making HKD fixed deposit with amount of HK$1,000,000 or above within the Promotion Period. 4b. Only applicable to the first HK$10,000-HK$200,000 savings deposit within the first 3 months upon account opening, fixed deposit will not be calculated. 5. Referrer can receive the Referral Reward once the referee has fulfilled the designated requirements. Each referrer can receive HK$13,000 cash rebate at maximum.
Deposit	2 January 2026 to 30 June 2026		3.0%p.a. for 3-month HKD Fixed Deposit via Foreign Currency Exchange (HKD200,000 or above)	Customers who set up a 3-Month HKD fixed deposit with designated currencies exchanged at board rate for a 3-Month HKD fixed deposit at the same time via designated local branch of the Bank can enjoy 3.0%p.a. Minimum Amount (HKD200,000 or above).
Credit Card	2 January 2026 to 30 June 2026	New customer successfully applied for the credit card (must successfully joined Chong Hing Exceed Banking or Go Banking)	Up to HK$800 welcome reward	New Customers must successfully apply for Chong Hing UnionPay Dual Currency Diamond Credit Card/Chong Hing Platinum Visa Card or Platinum Mastercard within the Promotion Period. Cumulative eligible retail spending amount of HK$/RMB 8,000 or designated eWallet spending amount of HK$4,000 within the first 2 months upon card issuance. Customers must open an Exceed Banking or Go Banking account successfully to enjoy the Reward. The Reward cannot be used in conjunction with other rewards.
Insurance	2 January 2026 to 31 March 2026	Bank VIP	Life Insurance Financial Needs Analysis Offer Entitled to a Supermarket Cash Coupon valued at HKD200 or one piece of “Hong Kong Life Gold Plated Ornament” (First come first served while stock lasts). “Set Sailing Rewards 2026” Client Incentive (a) Premium Discount -- Entitled to Single/ First Year/ Second Year Premium and Premium Prepayment Discount 1%-20% of specified Eligible Basic Plan (b) “Special Premium Deposit Account Extra First Year Guaranteed Interest Rate” Client Promotion (c) “Healthcare at Ease”-- Health Service Incentive only applicable to Offshore Client (d) Offshore Client Incentive -- Entitled to First Year Premium Discount equivalent to HKD1,088-20,688 of specified Eligible Basic Plan (e) “Healthcare at Ease”-- Health Check-up	Bank VIP refers to the following clients of Chong Hing Bank and their referred Immediate Family Members (include parents, spouses, children, siblings, grandparents and grandchildren): (i) Private Banking Customers; (ii) Offshore Clients; (iii) High Net-worth Clients (Clients should maintain their Asset Under Management of HKD 1 million equivalent or above at the time of life insurance application); (iv) Persons admitted to Hong Kong under the “Top Talent Pass Scheme” or “Quality Migrant Admission Scheme” Financial Needs Analysis Offer Bank clients visiting any branch of Chong Hing Bank Limited ("Chong Hing Bank") in person and conduct the Financial Needs Analysis for insurance (without product selection) within the Promotion Period1 will receive Supermarket Cash Coupon valued at HKD200 or one piece of “Hong Kong Life Gold Plated Ornament” (First come first served while stock lasts). “Set Sailing Rewards 2026” Client Incentive To be eligible for the Incentive, the application signing date and submission date of the application for any of the Eligible Life Insurance Plans must fall within the Promotion Period. (a) Premium Discount Including Wealth Prestige Savings Insurance Plan Client Incentive, Monthly Harvest Savings Insurance Plan Client Incentive, Wealth Accelerator Multi-Currency Plan Client Incentive, Wealth Up (Premier) Savings Insurance Plan Client Incentive, "Rewards for Two" Client Incentive, Fortune Plus III Savings Insurance Plan Client Incentive and Prosperity V Universal Life Plan Client Incentive. Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, clients who fulfill all requirements will be entitled to Single or First Year Premium Discount of Basic Plan: (i) with successful applications submitted within the Promotion Period for the Eligible Life Insurance Plans; (ii) the Single or Annualized First Year Premium of basic plan being not less than the respective amounts as set out (as the case maybe); (iii) the clients fulfilling the Premium Payment Mode requirement (depending on the Incentive or Client Type)(if applicable); and (iv) the policy being successfully issued. (b) “Special Premium Deposit Account Extra First Year Guaranteed Interest Rate” Client Promotion Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, to be eligible for the Extra First Year Guaranteed Interest Rate and the Non-Guaranteed Interest Rate (Basic) on the Total Net Prepaid Premium deposited in the Special Premium Deposit Account (“SPDA”), the application for any Eligible Life Insurance Plan(s) of Hong Kong Life must be signed and submitted by clients within the Promotion Period with payment of the first year premium and the required total amount of prepaid net premium of the basic plan of the Eligible Life Insurance Plan throughout the premium payment term (excluding first year annual premium) (“Total Net Prepaid Premium”) made at the time of application in annual payment mode, as well as the policy in relation to the said application being successfully issued subsequently. (c) “Healthcare at Ease”-- Health Service Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, individual clients must fulfill all of the following requirements: i) with successful applications submitted within the Promotion Period for the Eligible Life Insurance Plans underwritten by Hong Kong Life; (ii) the Single or First Year Premium of basic plan being not less than the respective amounts as set out (as the case maybe); (iii) premium paid in single or annual payment mode; and (iv) the policy being successfully issued, will be entitled to 1) the Flu Vaccine provided by MediConCen and/or 2) Mannings PharmaCare provided by Mannings for once and/or 3) one Privilege Card (1-Year/5-Year/10-Year, as the case may be) provided by MediTrust Health. Offshore Client refers to the policyowners who submit an application with an identity document issued by the relevant authorities of a place outside Hong Kong, and such identity document does not include Hong Kong Identity Card, HKSAR Passport or British National (Overseas) passport. (d) Offshore Client Incentive Subject to the General Terms and Conditions, the Specific Terms and Conditions of First Year Premium Discount and the Specific Terms and Conditions herein, Offshore Client Incentive (the “Incentive”) refers to the First Year Premium Discount of Basic Plan of relevant Eligible Life Insurance Plans of Hong Kong Life. (e) “Healthcare at Ease”-- Health Check-up Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, Designated Clients who submit an application for any specified Eligible Life Insurance Plan(s) within the Promotion Period, fulfilling relevant premium requirement and given the policy being successfully issued, will be entitled to the Health Check-up provided by MediConCen Limited for once. This offer is subject to the relevant terms and conditions. For details, please contact the Bank’s staff and refer to “Set Sailing Rewards 2026” Client Incentive promotional leaflets of Hong Kong Life.
Investment	1 January 2026 to 30 June 2026	Individual Customers who hold valid Investment Accounts of the Bank	By completing/renewing the “Investment Profile Questionnaire and Vulnerable Customer Assessment”, can get a HK$100 electronic voucher.	Eligible Customers must complete/renew the "Investment Profile Questionnaire and Vulnerable Customer Assessment" via Internet Banking / Mobile Banking of the Bank. Customers who have previously participated in the Complete / Update “Investment Profile Questionnaire and Vulnerable Customer Assessment” Offer (Second Half of 2025) held by the Bank from 1 July 2025 to 31 December 2025 are not able to participate in this promotion and receive the Reward.
Personal Loan	1 January 2026 to 30 June 2026	Successfully apply for "Top Talent Customer" and "Professional Customer" Personal Loan (must successfully set up HKD Savings or Current Deposit Account at the Bank under their same name)	Successfully apply for "Top Talent Customer" and "Professional Customer" Personal Loan and draw down in full of loan amount HK$1,000,000, annualized percentage rate as low as 2.41%	For a Loan amount of HK$1,000,000, the APR of 2.41% is calculated based on a monthly flat rate of 0.108% and a 12-month repayment period (including full handling fee waiver)

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

Risk Disclosure

This promotional material is for reference only. It does not constitute any offer, solicitation or recommendation.
Certain investment funds are investment 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.
Investments through foreign currency are subject to exchange rate fluctuations which may provide both opportunities and risks of losses. The fluctuation in the exchange rate of foreign currencies may result in gains or losses in the case where the customer converts foreign currencies to HK dollars or HK dollars to foreign currencies and even suffer loss in principal in total. You should therefore carefully consider whether such item is suitable in light of your financial position and investment objective. RMB is not freely convertible and currency exchange of RMB through banks in Hong Kong is subject to the rules, regulations and guidelines from the relevant regulatory authorities or relevant entities in China and/or Hong Kong from time to time.
Investment involves risks. Past performance is not indicative of future performance. The price of investment products may move up or down, and may become valueless. Investors should consider their own investment objective, investment experience, financial position, risk tolerance level and relevant circumstances, and read the relevant offering documents and risk disclosure statement before making any investment decision. If investors have any doubt, they should seek independent professional advice. The above Reward by itself is not and should not be considered as an offer or solicitation to deal in any of the investment products or services. Investment product is not capital protected and is not a normal time deposit, and thus should not be considered as a normal time deposit or its alternative. Investors should not make investment decisions based on the information of this promotional material alone.
This promotional material is issued by Chong Hing Bank Limited, it has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authorities in Hong Kong.

Please refer to the link below for the terms and conditions of the above promotion. Please note that the information will only be available for access and download through below channels during the promotion period, and no paper-based format can be provided by the Bank. Please save a copy of the relevant information for future reference when needed. Otherwise, you may not be able to access or download it again subsequent to the expiry of the promotion period.

A Member of Yuexiu Group