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ZA Bank "ZANEW6" Exclusive Account Opening Programme ("Programme") commences from 3 August 2026 to 16 September 2026, both dates inclusive. Participants must have never opened any bank account with ZA Bank and held any product or services with ZA Bank (including but not limited to a deposit account and a loan account); and have successfully opened a savings account in Hong Kong with ZA Bank with the Invitation Code. Participants will be eligible for the "Account Opening Rewards" after successfully opening a ZA Bank savings account in Hong Kong. Participants will be eligible for the "Deposit Reward" after meeting the deposit requirements. The above rewards will be issued within 30 working days after the conditions are met. The programme is subject to its T&C.

1. The time needed for account opening is subject to actual circumstances. In general, provided that no extra information is required, a user can open an account in as fast as 2 minutes.

2. The Stock Cash Rebate Coupon Packet includes one HKD 340, two HKD 200, two HKD 100 and one HKD 60 Stock Cash Rebate Coupons. For more details about the Stock Cash Rebate Coupon, please refer to the T&C.

3. The Investment Fund Holding Subscription Coupon Packet includes HKD 780 and HKD 20 Investment Fund Holding Subscription Coupons. Coupons are valid within 30 days after receipt. For more details about the Investment Fund Holding Subscription Coupon, please refer to the T&C.

4. HKD 100 Currency Exchange Saver Coupon is valid within 30 days after receipt. For more details about the Currency Exchange Saver Coupon, please refer to the T&C. Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in losses.

5. HKD 100 Global Transfer Cashback Coupon is valid within 30 days after receipt. For more details about the Global Transfer Cashback Coupon, please refer to the T&C.

6. Deposit Reward: The +19.9% p.a. 7-day HKD Time Deposit New Funds Rate-up Coupon is eligible for a 7-day HKD time deposit, with a maximum new funds deposit amount of HKD 20,000 and a minimun new funds deposit amount of HKD 1 . Coupon is valid within 7 days after receipt. More usage conditions are subject to the content displayed on the coupons. For more details about the Time Deposit New Funds Rate-up Coupon T&C.

7. The participant must go to ZA Quest to claim a +19.9% p.a. 7-day HKD time deposit Rate-up Coupon within 7 days after meeting the specified requirements. ZA Quest is subject to its T&C.

Important risk statement
Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or losses if the customer converts the deposit from one currency to another currency including the Hong Kong Dollar). RMB Currency Risk: The Renminbi ("RMB") exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including the Hong Kong dollar); and RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to relevant policies, regulatory requirements and restrictions applicable from time to time without prior notice. The actual conversion arrangement will depend on the restrictions and requirements prevailing at the relevant time.

Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. The information in this platform is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. The information in this platform has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The platform is not intended for distribution or use by any person in any jurisdiction, country or region where the distribution or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.