The "30-day Average Daily Total Balance" is calculated based on the day-end total balance for each of the most recent 30 calendar days: sum of the day-end total balances for each day over the past 30 days, divided by 30.

To ensure a consistent calculation basis for all users, the relevant average daily total balance will still be calculated using 30 as the divisor, even if your account has been open for fewer than 30 calendar days: sum of the day-end total balances from the date your account was successfully opened to the day before the relevant assessment date, divided by 30.

"Total Balance" means the sum of the following 5 items in the customer’s ZA Bank Account (in HKD equivalent), and excludes any balance or assets in the Dedicated Investment Account of the Cross-boundary Wealth Management Connect Southbound Scheme (if applicable):

(1) the day-end total deposit balance (including the total amount of savings, Savings Pots and time deposits);

(2) the day-end total fund assets;

(3) the total US stock assets at 9:00 p.m. of the day; (4) the day-end total HK stock assets;

and (5) the day-end total crypto assets.