1. The promotional period of IPO Shares Subscription $0 Handling Fee Offer (“this Offer”) is from 1st January 2023 to 31st December 2023 (both dates inclusive) ("the Promotional Period").
2. This Offer is only applicable to customer who holds Securities Account of CMB Wing Lung Bank Limited (“the Bank”) (“Eligible Customer”).
3. This Offer is only applicable to IPO Shares Subscription listed on Main Board and GEM Board of Hong Kong Stock Exchange through nominee service of the Bank and will be subject to the announcement of the Bank (“Eligible IPO Shares”).
4. Eligible Customer must apply for IPO Shares Subscription with cash or IPO Loan Services through CMBWLB Wintech mobile application (“Wintech”) successfully during the Promotional Period in order to enjoy this Offer. Each Eligible IPO Shares application can enjoy this Offer once during the Promotional Period.
5. Eligible Customer who applies for IPO Shares Subscription with cash of each Eligible IPO Shares can enjoy subscription fee waiver of HKD50 immediately.
6. Eligible Customer who applies for IPO Loan Services of each Eligible IPO Shares can enjoy IPO loan handling fee waiver of HKD100 immediately.

1. The maximum loan amount per application is HKD50,000,000 through CMBWLB Wintech mobile application (“Wintech”)
2. Each Eligible Customer can only apply each Eligible IPO Shares once and enjoy the above offers once for each Eligible IPO Shares.
3. IPO Loan Services, with quota, is offered on a first-come-first-serve basis and depends on whether the bank provides the loan services for IPO. For details of the relevant IPO Loan Services including but not limited to the subscription period, loan lending rate p.a., etc, will be subject to the announcement of the Bank on each individual IPO Shares from time to time.
4. Any IPO loan as granted by the Bank is subject to the terms and conditions relating to the [new issue financing] of the [General Conditions for Accounts and Services].
5. The Bank reserves the right to suspend, amend, terminate or cancel the above offers and/or amend these promotional terms and conditions (including but not limited to such suspension, amendment, termination or cancellation due to changes in the subscription period and upper price limit of the above IPO shares) at any time without further notice. Should there be any disputes of the above offers and these promotional terms and conditions, the Bank shall have the final right of explanation and decision and is conclusively binding.
6. In case of discrepancies between the English and Chinese versions of these promotional terms and conditions, the Chinese version shall prevail.

The above information is for reference only and does not constitute and should not be regarded as any offer to purchase or sell. Investment involves risks and the price of securities may fluctuate or even become worthless. Losses may be incurred rather than making a profit as a result of dealing in securities. You should carefully and independently consider whether the securities are suitable for you in light of your investment experience, objectives, financial position and risk profile. This advertisement has not been authorized by the Securities and Futures Commission. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the risk disclosure statements in the General Conditions for Accounts and Services before making any investment decisions.