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Important Notices

Notice of Amendment to the “Terms and Conditions for Investment Services” 
(effective from 15 October 2025)

ZA Bank Limited (“We” or “ZA Bank”) are updating our “Terms and Conditions for Investment Services” (“Revised Terms”), which will take effect from 15 October 2025. We have outlined the major changes to the Revised Terms in the table below for your information (“Amendments”). These Amendments are made in order to: 

1.    offer you the Hong Kong securities trading service in the near future;

2.    specify the service scope and the limitation of the Hong Kong securities trading service, and our role in provision of the Hong Kong securities trading service;

3.    clarify that you will use your investment account and our investment services responsibly; and

4.    provide you the risk disclosure statements related to the Hong Kong securities trading service 

You can download a PDF version of the Revised Terms via this link . 

Words mentioned in this Notice shall have the same meaning as defined in “Terms and Conditions for Investment Services”, where applicable.

You can also find the Revised Terms in the ZA Bank App (tap on your profile picture on homepage, select “About ZA”) or our website under the “Terms and Conditions” section. 

Please note that the Revised Terms will be binding on you if you use or continue to use any of our products or services on or after 15 October 2025. If you do not accept the Revised Terms, you have the right to terminate the account(s), products and services with us according to the relevant provisions under the General Account Terms and Conditions before 15 October 2025.  

Please feel free to get in touch with us through the ZA Bank App if you need any assistance.

ZA Bank Limited 

Summary of Amendments to the Revised Terms

Section	Purpose of the changes and what they mean for you	Clause
Table of Contents	Add Clause 33 Hong Kong Investor Identification Regime
1	Definitions The definition of “Product” is amended, and additional definitions are added for the terms: "CCASS", "HKEX", "HKSCC","HKSCCN", "VA-related Products", and "ZA Group".
6	Corporate Actions A new Clause 6 is added in relation to Corporate Actions.	6
9	Powers and rights of ZA Bank A new Clause 9.1.12 is added: " in the event that the issuer of listed securities declares dividends (and/or any other forms of cash distributions) in a currency other than Hong Kong Dollar, to make currency conversions of such dividends and/or other forms of cash distribution into Hong Kong Dollar at such exchange rate as ZA Bank may in its absolute discretion deems appropriate before depositing such amount into the Client's Account".	9.1.12
12	New listing of Securities Clauses 12.3 (with subclauses 12.3.1 and 12.3.2), 11.4 (with subclauses 12.4.1 to 12.4.6), 12.9.3, 12.10, 12.11, 12.12 (with subclauses 12.12.1 to 12.12.4), 12.13, 12.14 (with subclauses 12.14.1 to 12.14.7), and 12.15 (with subclauses 12.15.1 to 12.15.3) are added to clarify terms relating to securities services. Clause 12.5 (formerly Clause 11.3) is amended by adding “The Client hereby further declares and warrants that all information provided to ZA Bank is true, complete, and up-to-date.” Clause 12.6 (formerly Clause 11.4) deletes the phrase “further declares and warrants, and”. Clause 12.9 (formerly Clause 11.7) replaces the word “agent” with “service provider”.	12.3 12.4 12.5 12.6 12.9 12.9.3 12.10 12.11 12.12 12.13 12.14 12.15
15	Representations and warranties Clause 15.4.9 (formerly Clause 14.4.9) is amended to add “and understood that these documents may be updated by ZA Bank from time to time and will read and understand the latest version of these documents as updated from time to time.” The term “Privacy Policy Statement” is changed to “Privacy Policy”.	15.4.9
19	Provision of Market Information A new Clause 19.2 is added to clarify provisions related to market information. Former Clause 19.2 is numbered as Clause 19.3.	19.2
32	The title “Contracts (Rights of Third Party) Ordinance” is changed to “Contracts (Rights of Third Parties) Ordinance”
33	A new Clause 33 “Hong Kong Investor Identification Regime” is added. Clause 33 is entirely added, defining the Hong Kong Investor Identification Regime and detailing the information required from investors (clauses 33.1 to 33.4).	33.1 33.2 33.3 33.4
34	Former Clause 32 is numbered as Clause 34.
Schedule 2	Terms and Conditions for U.S. Securities Trading Services A new Clause 5.9 is added.Clause 7.2 changes the term from "Privacy Policy Statement" to "Privacy Policy ".	5.9 7.2
Schedule 4	Risk Disclosure Statements Clause 8 of Part A titled “Risk of trading Growth Enterprise Market Stocks” is added. Clause 9 of Part A titled “Risk of trading Nasdaq-Amex securities at The Stock Exchange of Hong Kong Limited” is added. Clause 1 of Part B adds “For additional risk factors which relate to ETFs with a principal investment objective or strategy to invest in Virtual Assets, derive their value principally from the value and characteristics of Virtual Assets or track or replicate the investment results or returns which closely match or correspond to Virtual Assets, please also read Parts F and G of this Schedule 4 carefully". Part D titled "Specific risks associated with trading in Warrants and Callable Bull/Bear Contracts" is added. Former Part D is numbered as Part E. Part G titled "Specific risks associated with VA-related Products" is added.	8 (Part A) 9 (Part A) 1 (Part B) Part D Part G