Welcome to Fubon Bank (Hong Kong) Limited

It’s an Array of Surprise
Open a Fubon Demand Deposit Account
Winning the HK$88,888 Grand Prize in Every Month

New Fubon demand deposit account customers will be entitled to a series of surprising privileges. From now until 31 December 2011, you are entitled to the rewards up to HK$1,200 and lucky draw chance to win the grand prize of HK$88,888 for every month by placing a designated demand deposit with NEW FUNDS and fulfilling the relevant requirements.

Double Welcome Offers for Account Opening up to HK$200

Offer Details	Open a Fubon magi©money manager HKD Interest-bearing Current Account or HKD Savings Account by fulfilling the saving requirements¹	Also, by submitting full documents for Fubon Credit Card application, and setting up an autopay settlement of credit card payment via the newly opened account
Rewards to be entitled	HK$100 shopping coupon	HK$100 shopping coupon

Set-up Autopay Service with Successful Payment Offer up to HK$300

Set-up Autopay Service by using the newly opened account to settle for every merchant payments (except for credit card payment), you will be entitled to HK$50 cash rewards for every single set-up with completed transaction, up to HK$300 cash rewards.

Insurance and Securities Services Offers up to HK$700

Helps you to earn maximum returns:

Offer Details	Reward Entitled
Successfully enroll any life insurance plan²	HK$300 cash reward
Subscribe unit trusts, bonds or any structured investment product	HK$300 cash reward
Stock buy	0% brokerage commission
Stock sell	HK$100 shopping coupon
Stock deposit fee³	Waived
Custody fee	Waived⁴

Notes:
1.	Open a Fubon magi©money manager HKD Interest-bearing Current Account or HKD Savings Account with new fund of HK$20,000 or above, where the average daily account balance is maintained at HK$20,000 or above for a minimum period of 3 months.
2.	The premium payment must be made via autopay from the newly opened Fubon magi©money manager HKD Interest-bearing Current Account or HKD Savings Account with designated amount.
3.	Stamp duty and CCASS charges are not included.
4.	Custody fee charged on 1 December 2011 is waived.

Grand Lucky Draw Chance to Win Grand Prize HK$88,888 for 3 Consecutive Months

Customer is eligible for the chance of lucky draw once in order to win the grand prize of HK$88,888 for 3 consecutive months by having average balance of every HK$50,000 equivalent in the relevant month during the period from October to December 2011. The sooner you open the account with more deposits, the higher chances you will be entitled to win the prize!

No. of Winner	Prize (Fubon Credit Card Spending Credit)
Grand Prize (1 no.)	HK$88,888
2^nd Prize (10 nos.)	HK$1,688
3^rd Prize (20 nos.)	HK$888

Member-get-member Offers

For every referral of a new customer who successfully opened the designated Fubon demand deposit account, you will be entitled to HK$50 cash rebate. More the customer you referred, more cash rebate you will be entitled. Please click here to download the referral application form for details.

Act Now! Bring the Required Documents^# to Fubon Bank and Enjoy the Privileges

For details, please visit any Fubon Bank branch or call 2806 5088 during office hours^*.

^#	Includes identity proof document(s), other investment account statement(s) within 3 months, address proof (e.g. bank statement, electricity bill, water bill or mobile phone bill, etc) and income proof.
^*	Monday to Friday: 9am to 7pm; Saturday: 9am to 1pm (except Public Holiday).

General Terms and Conditions:
1.	The promotion period ("Promotion Period") of above offers commences from 3 October 2011 to 31 December 2011, both days inclusive.
2.	The above offers are only applicable to the new customers who do not hold any Demand Deposit Account(s) (including personal and joint account) at Fubon Bank (the "Bank") from 1 May 2011 until the account opening date of the first designated Fubon Demand Deposit Account(s) ("Customer").
3.	If the referral related to a Joint Account, all account holders of the Joint Account should be New Customers.
4.	Joint account will be regarded as a single account to entitle the above offers.
5.	Customer is entitled to the above offers by opening a Fubon magi©money manager HK Dollar Interest-bearing Current Account or HK Dollar Savings Account ("Eligible Account") at the Bank with new funds of HK$20,000 or above and fulfilling the relevant requirements during the Promotion Period. Fund transferred from any account of the Bank shall not treat as new fund.
6.	The offers cannot be used in conjunction with other promotion offers.
7.	Customer’s account(s) at the Bank under his/her name must be valid and in normal status from the Promotion Period to reward date so as to enjoy the above offers.
8.	Unless otherwise specified, the relevant shopping coupon entitled in the promotion shall be PARKnSHOP Cash Coupon ("Cash Coupon").
9.	Cash Coupon is limited and on first-come-first served basis. If the Cash Coupon is out of stock, the Bank has the sole discretion to offer a different gift as replacement without prior notice. Cash Coupon (or other gift for replacement) is not exchangeable to cash. The use of Cash Coupon shall be bound by the terms and conditions stated on the Cash Coupon.
10.	Cash Coupon (or other gift for replacement) is provided by the respective supplier and the Bank will not be responsible for any direct or indirect loss in connection with its products and services.
11.	All staff of the Bank cannot join the promotion and entitle to the above offers.
12.	The Bank reserves the right to suspend, vary or cancel the above offers and amend the relevant terms and conditions any time without prior notice. In case of dispute, the decision of the Bank shall be final and conclusive.
13.	If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

Terms and Conditions of Double Welcome Offers for Account Opening:
14.	To be entitled to the HK$100 Cash Coupon, Customer must open an Eligible Account with new funds of HK$20,000 or above, and Customer should maintain the daily average account balance at HK$20,000 or above from the account opening date for a minimum period of 3 months.
15.	If Customer cannot fulfill the requirement of the above clause no. 14, the Bank will debit the amount of the rewarded Cash Coupon from the relevant Eligible Account. Customer shall authorize the Bank to reserve and deduct the relevant charges from his/her account at the Bank during account opening.
16.	Along with the account opening of Eligible Account, Customer is entitled to additional HK$100 shopping coupon if he/she submits full documents at any branch of the Bank for Fubon Credit Card application, and sets up an autopay settlement of credit card payment via Eligible Account. The relevant offer is only applicable to the Customer who did not hold any Fubon Credit Card for the past 6 months. Please contact our branch staff for details.
17.	The relevant Cash Coupon will be immediately rewarded to Customer after the completion of account opening and/or credit card application. Customer must sign the relevant confirmation letter to the Bank as record.

Terms and Conditions of Set-up Autopay Service with Successful Payment Offer:

18.

Customer is entitled to cash reward by fulfilling the following requirements:

(a)	Customer must open an Eligible Account successfully during the promotion period; and
(b)	Customer must set-up the autopay service with successful merchant payment (except for credit card payment) within 3 months after opened the Eligible Account.

19.

Customer will be entitled to HK$50 cash rewards for every single set-up with completed autopay transaction (calculation is based on each merchant payment). Each Customer can be entitled to a maximum of HK$300 cash reward in this promotion.

20.

The relevant cash reward will be credited to the designated account at the Bank on the 5^th month after the Eligible Account is opened.

21.

Please contact branch staff for details of the merchants and its offer.

Terms and Conditions of the Insurance and Securities Investment Offers:
Insurance Products
22.	To be entitled to HK$300 cash reward, Customer must enroll any life insurance plan (the relevant premium paid is at HK$1,000 / US$150 (monthly payment) or HK$12,000 / US$1,800 (annual payment) equivalent or more) at the Bank during 3 October 2011 to 31 December 2011. And the premium payment must be via autopay from Eligible Account.
23.	The insurance plan enrolled must be valid on the deposit date of cash reward.
24.	Each Customer can enjoy the above offer of the promotion once only.
25.	The relevant cash reward shall be credited to the designated account at the Bank on or before 29 February 2012.
26.	Please contact branch staff for details of the relevant insurance plan and its offer.

Unit Trusts, Bonds and Structured Investment Products
27.	To be entitled to HK$300 cash reward, Customer must subscribe unit trusts, bonds and any structured investment product at the Bank during 3 October 2011 to 31 December 2011.
28.	Each Customer can enjoy the above offer of the promotion once only.
29.	The relevant cash reward shall be credited to the designated account at the Bank on or before 31 January 2012.
30.	Please contact branch staff for details of the relevant unit trusts, bonds or structured investment product and its offer.

Securities Investment

31.

To be entitled to the relevant cash reward, Customer must successfully open Securities Account at the Bank and perform the designated stock trading (only applicable to Hong Kong Stock) during the period from 3 October 2011 to 31 December 2011.

-	Enjoy 0% brokerage commission for stock buy
-	Entitle to HK$100 Cash Coupon for stock sell
-	Stock deposit fee is waived (not including stamp duty and CCASS charges)
-	Custody fee charged on 1 December 2011 is waived

32.

The relevant trading charges must be pre-paid by Customer. The waiver shall be credited to Customer’s Settlement Account of the Bank in the means of rebate two weeks after the month of the completion of relevant stock transaction.

33.

Cash Coupon will be mailed to customer's correspondent address within one month after the month of the completion of relevant stock transaction.

34.

Please contact our branch staff for details of the relevant securities transaction and its offer.

Terms and Conditions of Grand Lucky Draw:

35.

Customer is entitled to the chance of lucky draw once for every HK$50,000 equivalent of monthly average balance in the relevant month during the period from October 2011 to December 2011 ("Participating Month") ("Eligible Customer"). Each Eligible Customer is entitled to a maximum of 40 lucky draw chances during each Participating Month.

No. of Winner	Prize (Fubon Credit Card Spending Credit)
Grand Prize (1 no.)	HK$88,888
2^nd Prize (10 nos.)	HK$1,688
3^rd Prize (20 nos.)	HK$888

36.

The average balance refers to the average of total daily deposit balance of Demand Deposit Account under Customer’s name in each relevant month during the Participating Month. If a Demand Deposit Account is in debt, the Bank will calculate the average balance as zero balance.

37.

If the Demand Deposit Account is opened in foreign currency, the calculation of relevant deposit balance will refer to the Bank’s closing rate as of previous settlement date of this account, and then convert to HKD equivalent.

38.

The monthly average balance and its calculation of all Demand Deposit Account are subject to the record of the Bank.

39.

Lucky draw is held on the subsequent month of each Participating Month, which means it is held for 3 consecutive months during the period from November 2011 to January 2012 ("Lucky Draw Month").

Participating Month	Participating Month Lucky Draw Month
October 2011	November 2011
November 2011	December 2011
December 2011	January 2012

40.

Each Eligible Customer will be entitled to the prize in each Lucky Draw Month once only, and based on the prize drawn sequence.

41.

The lucky draw result shall be posted on the Bank’s website within each Lucky Draw Month. All winners shall be notified by post for details of prize entitlement (Fubon Credit Card Spending Credit).

Risk Disclosures:
Foreign currency investments are subject to exchange rate fluctuations which may provide both returns and risks. The fluctuation in the exchange rate of currency may result in losses in the event that the customer converts it into other currency.

The above information is for reference only and does not constitute any offer or solicitation to subscribe or redeem. Investment involves risk. Prices of investment products may go down as well as up, and may become valueless. Investors may sustain loss rather than make profit as a result of buying and selling investment products. Investors should read the offering documents of the relevant investment products for further details (including the risk factors) and seek independent professional advice, where necessary before making any investment decision.