Banking Services. Fees and Charges. (Effective 1 January 2015) B. Remittances and Foreign Exchange Services

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1 Banking Services Fees and Charges (Effective 1 January 2015) A. Deposit Services B. Remittances and Foreign Exchange Services C. Securities and Investment Funds Services D. Credit Card Services (including Spending Card) E. Lending Services F. Integrated Account Services and Privileges The information in this guide is for customer s reference with regard to the charges for various services offered by Hang Seng Bank Limited (the Bank ). The Bank reserves the right to revise any fees, charges, special offers and other services from time to time. The Bank reserves the right to levy a charge on transactions conducted. For charges not listed in this guide, please contact our branches for details. PPL489R42B (11/2014) (LT)

2 Cheque Mark Good sent by customer sent by Bank Cheque Book(s) delivery by Courier Service (1) Service Cheque Returned due to insufficient funds due to other reasons due to cheque amount exceeding RMB80,000 Stop Cheque Payment Instruction RMB Cheque Handling Fee autosweeping to cover insufficient funds switching of deposit by customer to cover insufficient funds A. Deposit Services Current Accounts HK$150 per cheque (RMB 200**) HK$70 per cheque (RMB 50**) RMB 200 per cheque*** HK$100 per cheque HK$60 per cheque HK$200 per cheque HK$25 per item Charge 1% of the total amount of transfer (min RMB: 200) 1% of the deposit to cover the insufficient funds of current account (min RMB: 200) Low Balance Inactive Hong Kong Dollar Savings/Current Account inactive for two years and balance below HK$2,000 Inactive Account Service Charges (2)(3) Service Charge For over 2 years HK$100 semiannually Low Balance Inactive RMB Savings/Current Account For over 2 years inactive for two years and balance below RMB 2,000 RMB 50 semiannually Low Balance Foreign Currency Savings and Foreign Currency Deposit/Current Account inactive for two years and balance below U.S. Dollar 300 Pound Sterling 200 Euro 200 Canadian Dollar 400 Swiss Franc 400 Australian Dollar 400 New Zealand Dollar 400 South African Rand 1,500 Thai Baht 10,000 Japanese Yen 50,000 For over 2 years (4) Payable semiannually USD 20 GBP 20 EUR 20 CAD 20 CHF 20 AUD 20 NZD 20 ZAR 60 THB 1,000 JPY 2,000 Service charges shall not be applicable if deposit in any one of these currencies is above the stipulated deposit level of the respective currency under the Multiforeign Currency Passbook Savings Account. ** Only applicable to RMB Current Account. *** Only applicable to holders of Hong Kong Identity Card who conduct RMB cheque payment for the acquisition of customer goods and / or services within the Guangdong Province (including Shenzhen) in the Mainland China. Issuing RMB cheque for payment for the acquisition of consumer goods and / or services within the Guangdong Province (including Shenzhen) in the Mainland China is not applicable to personal customers who are a nonhong Kong Identity Card holder. (1) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer. (2) It is not applicable to personal customers. (3) Excludes Integrated Account and FlexiForex / ProForex / FlexiGold / ProGold Trading Account and Hang Seng FX and Precious Metal Margin Trading Services / Hang Seng Advanced FX and Precious Metal Margin Trading Services Account. (4) Applicable to all Foreign Currency Account. 1 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

3 A. Deposit Services (cont d) Account Closure Improperly conducted account closed by the Bank HK$150 annually Within three months of the date of its opening Savings Account HK$50 per account Current/Integrated Account HK$200 per account HK Dollar Savings Deposit Rates Account Balance (HK$) Deposit Rate HK$5,000 or above 0.01% Below HK$5,000 0% US Dollar Savings Deposit Rates US$1,000 and above Account Balance (US$) Deposit Rate 0.001% Below US$1,000 0% RMB Dollar Savings Deposit Rates RMB 5,000 and above Account Balance (RMB) Deposit Rate 0.25% Below RMB 5,000 0% Low Balance Foreign Currency Savings Deposit Rates Foreign Currency Savings Account with balance below USD EUR CHF NZD THB Account Balance 1, ,000 GBP CAD AUD ZAR JPY ,000 30,000 Deposit Rate 0% 2 This page has been revised since 2 April 2011 PPL489R42B (11/2014) (LT)

4 A. Deposit Services (cont d) Service Replacement of Hang Seng Card (1)(8) / Integrated Account Card of Prestige Banking / Integrated Account Card of Preferred Banking / Integrated Account Card / M.I. Kid AssetBuilder Card / Green Banking Smart Card Report Loss of Passbook (1)(8) / Chop (1) Gift Cheque (1)(2)(3) Cashier s Order issuance (4)(7) report loss repurchased (2) Local Interbank Transfer Services outward etransfer (via Electronic Clearing System ECG) via Personal ebanking / Business ebanking: Express Transfer (via Clearing House Automated Transfer System CHATS) via Personal ebanking / Business ebanking / Hang Seng HSBCnet # : Via other channels: inward (6) # Channels subscribed by customers Reference Letter Certificate of Account Balance Banker s Endorsement on Customer s Signature Cheque send to Guangdong and / or Shenzhen for cheque clearing Currency of Cheque HK$ US$ HKD Macau Cheque Encashment Others HK$50 per card HK$100 per account HK$10 per cheque Charge Account Holder HK$50 per cheque NonAccount Holder (7) HK$100 per cheque HK$60 per cheque (Plus: HK$300 payable to Clearing House of HKAB) Handling charge HK$50 per cheque HK$35 per item HK$55 per item HK$190 per item (5) (An extra charge of HK$100 will be levied for instruction containing Chinese characters) HK$15 per item (5) HK$300 per letter (HK$20 for each additional letter if several letters are issued at one time) HK$100 per certificate (HK$100 for each additional account) HK$150 per item GD HK$50 N.A. SZ HK$50 HK$100 HK$60 per transaction plus 0.25% on deposit amount (Min.: HK$160 per transaction) (1) Fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above. (2) Fee waiver is for the Prestige Banking Customers. (3) Preferred Banking and Green Banking Customers can enjoy a privileged service charge of HK$5. (4) Prestige Banking Customers can enjoy a privileged service charge of HK$25, and fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above. No privilege or fee waiver will be given to the issuance of Cashier s Order for the purpose of IPO subscription. (5) or its equivalent in the relevant currency. The exchange rate is determined by Hang Seng Bank Limited from time to time. (6) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer. (7) RMB Cashier s Order: This service is not available to nonaccount holder. (8) Exemptions apply to customers aged below 18, recipients of Comprehensive Social Security Assistance (supporting documents required) and persons who present a proof of disability document (e.g. document of receiving government disability allowance). 3 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

5 A. Deposit Services (cont d) Others Service Company Search Fee local company overseas company FATF Member Countries (1) NonFATF Member Countries (1) Bank Confirmation for Audit Purpose Account History Record of Savings or Time Deposit Accounts for 1/2/3 year(s) for more than 3 years Photocopying of: statement (per cycle) (No service charge for applying a copy of the consolidation statement listing the unposted items of passbook account.) cheque/voucher/transaction adv (per copy) HK$150 per account Charge HK$2,000 per account HK$8,000 per account HK$200 per account balance (Max.: HK$1,200 ; Min.: HK$400) Additional copies: HK$100 per copy HK$250/HK$750/HK$1,000 per account HK$1,000 per year thereafter HK$50 per cycle or per copy Issuance of Overdraft Interest Statement (per cycle) Coin Changing Charges (2) Standing Instruction: set up / amendment (3)(4) returned due to insufficient funds HK$300 per copy HK$2 per sachet HK$70 per item transfer to Hang Seng Bank HK$100 per item transfer to other banks HK$150 per item Handling Letter of Instruction for Fund Transfer HK$150 per transfer Set Up Direct Debit Authorisation (5) Transfer to Hang Seng Bank Nil Transfer to other banks HK$30 per item (Transfers to HKSAR Government, Public Utilities, Educational, Charitable Institutions and The Hong Kong Jockey Club are exempted) Autopay Returned Due to Insufficient Funds Special Mailing Instruction Bulk Cheque Deposit per customer per day Up to 30 pieces Over 30 pieces Bulk Cash Deposit per customer per day (Applicable to all currencies) Up to 500 pieces of notes Over 500 pieces of notes Bulk Coins Deposit per customer per day Up to 500 coins Over 500 coins HK$150 per item HK$1,000 per account per year Free HK$1 per additional cheque (6) Free 0.25% on deposit amount (min. HK$50) Free 2% on deposit amount (min. HK$50) 4 This page has been revised since 1 May PPL489R42B (11/2014) (LT)

6 Transaction Charges Unauthorised Overdraft A. Deposit Services (cont d) Service ATM Savings Account Counter Service Fee transfer / cash withdrawal (7)(8) Below Balance Service Fee (9) HKD Passbook / Statement Savings Account ATM Passbook / ATM Statement Savings Account Personal data access request Others Charge The Bank reserves the right to levy a charge on transactions conducted HK$20 per transaction HK$50 per month if average daily balance of account below HK$5,000 Not subject to Below Balance Service Fee Circumstantial ( maximum HK$500 per request) (10) HKD account transactions conducted through branches per customer 50 transactions or below Free per calendar month (11) Above 50 transactions HK$30 per transaction Late payment for safe deposit box rental fee (12) HK$120 per item plus interest* on overdrawn balance HK$50 * Interest is calculated daily and charged monthly at the Bank s prevailing interest rate. For Integrated Account of Prestige Banking and Integrated Account of Preferred Banking, the Unauthorised Overdraft interest rate is Prime Rate + 6% (p.a.). For Integrated Account of Green Banking, Integrated Account, all Current Accounts and Business Integrated Account, such interest rate is Prime Rate + 8% (p.a.). This interest charge is applicable to all current accounts and saving accounts with unauthorised overdraft balance. (1) For member list of Financial Action Task Force (FATF), please refer FATF organization website for details. (2) Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet. (3) Standing Instruction set up fee waiver is for the Integrated Account of Prestige Banking, Preferred Banking and Green Banking and is not applicable to other account(s) under the name of the same customer. Standing Instruction amendment fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer. (4) Fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above. (5) Fee waiver is for Integrated Account of Prestige Banking, Preferred Banking, Green Banking and Integrated Account and is not applicable to other account(s) under the name of the same customer. If there is no transaction recorded under this direct debit authorization for more than two years, the Bank may cancel this direct debit authorization without giving any notice. (6) if all cheques are deposited into the same account as one single transaction. (7) If the account is maintained as an ATM Savings Account as at the 1st calendar day of the month, all related transactions within that whole month will be subject to the ATM Savings Account Counter Service Fee regardless of whether the account type is changed within the month, and the fee will be debited from the account on the 8th business day of the following month. (8) Exemptions apply to senior citizens (aged 65 or above), customers aged below 18, recipients of Comprehensive Social Security Assistance (supporting documents required), persons who present a proof of disability document (e.g. document of receiving government disability allowance), or customers with any of the following products/services: Prestige Banking, Preferred Banking, Integrated Account, M.I. Kid AssetBuilder, Integrated Business Solutions ( IBS ) Account, overdraft facilities, loans, mortgages, investment funds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card with a finance charge or cash advance transaction. For customers who have other special needs and request for the service fee exemption, please contact branch staff. (9) Exemptions apply to senior citizens (aged 65 or above), customers aged below 21, recipients of Comprehensive Social Security Assistance (supporting documents required), persons who present a proof of disability document (e.g. document of receiving government disability allowance), or customers with any of the following products/services: Prestige Banking, Preferred Banking, Integrated Account, M.I. Kid AssetBuilder, Integrated Business Solutions ( IBS ) Account, overdraft facilities, loans, mortgages, investment funds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card with a finance charge or cash advance transaction. (10) This standard concessionary charge only applies to the first time and normal data access request. In other cases, the Bank reserves the right to charge the actual commercial cost incurred without applying a cap to the charge. However, in any case, the Bank will inform the data requestor individually the actual handling charge and will only process the request upon receiving the requestor s acceptance. (11) The total number of counter transactions includes all HKD account transactions made under the same customer name. Customers may also need to pay the relevant fee when conducting certain banking transactions, e.g. the counter transaction fee for ATM Savings Accounts, etc. The above mentioned service charge is applicable to Personal Customers only and the Bank reserves the right to change the maximum monthly counter transaction limit for individual customers. Commercial customers will be notified individually of their monthly quota of free counter transactions by mail. (12) Overdue handling fee of HK$50 will be levied if the customer pays the safe deposit box rental fee later than 2 months from the due date. 5 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

7 A. Deposit Services (cont d) Others International ATM Signages Location Handling Fee for Each Cash Withdrawal Banking Services HSBC ATM Network (1) Asian Countries (Brunei, China [excluding Hong Kong Special Administrative Region], Macau, Malaysia, Philippines, Thailand, Singapore, Indonesia, Sri Lanka, etc.) and Middle East Canada United States (New York) United Kingdom (London, Wales, etc.) HK$20 Cash withdrawal, balance enquiry, funds transfer (2) and statement / cheque book request Cash withdrawal Cash withdrawal and balance enquiry Cash withdrawal and balance enquiry UnionPay ATM Network Worldwide the China Region (includes Hong Kong, Macau and Mainland China), Japan, Singapore, Korea, Thailand, Vietnam, the Philippines, United States, Germany, Spain, Luxembourg, Belgium, France, Turkey, Switzerland, Australia, Italy and Russia etc. HK$15 Cash withdrawal and balance enquiry in most countries / regions (1) ATM Chip cards cannot be used at designated HSBC ATMs including Mexico, Argentina, Brazil, Panama, New Zealand, France, Malta, Greece and Turkey. (2) You can only transfer money between accounts on the same card at ATMs in Macau. Note: Cash withdrawals at overseas ATM will be paid in local currencies and subject to the maximum daily withdrawal limit of HK$30,000 for Prestige Banking and Preferred Banking, and HK$20,000 for other accounts. You must activate the overseas ATM daily cash withdrawal limit in advance for overseas ATM cash withdrawal. Due to the different dispensing limits of ATMs at different location, you may have to perform more than one transaction in order to obtain the amount of cash you require. There is no currency conversion fee charged by network provider for local currency withdrawal at HSBC and UnionPay ATM. If customer withdraws cash at ATM overseas, network provider will debit HKD equivalent amount from your HKD account at exchange rate provided by the ATM network on the date of withdrawal. And a service charge of HK $20 (HSBC ATM network) or HK $15 (UnionPay ATM network) will be debited for each ATM withdrawal. Please visit for the reference of exchange rate at UnionPay ATM. Please note some overseas ATMs only allow cash withdrawal from the account shown on your card face, please ensure there is sufficient balance in that account before departure. 6 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

8 B. Remittances and Foreign Exchange Services Service Outward Remittances Charge Remarks Telegraphic Transfer issuance (1) other remittance services Remit to / Hang Seng ebanking / Branch / channels Hang Seng HSBCnet other Channels (2) Remit to a HK$80 (3) HK$190 beneficiary account with Hang Seng in Mainland China / Macau Remit to a beneficiary HK$110 HK$220 account with another bank in Hong Kong / Mainland China / Taiwan / Macau Remit to a beneficiary HK$110 HK$220 account in other (HKD and domicile currency) countries HK$260 (4) Plus Correspondent Bank Charges: (Nondomicile currency) (a)if charge to beneficiary s account: subject to correspondent bank charges (b)if charge to applicant s account: For remit to Australia, UK, Canada, USA in domicile currency: HKD130 For remit USD to countries outside USA: USD35 For others: subject to correspondent bank charges Amendment / cancellation HK$200 (Plus cable charge (if any) HK$100) Cable enquiry HK$100 (Plus foreign bank charges, min. HK$250 per transaction) An extra charge of HK$150 will be levied for instruction containing Chinese (Exempted for HKD remittance to Macau) An extra charge of HK$40 will be levied on each remittance instruction requesting same day processing submitted via the Bank s branches after 12 noon from Mondays to Fridays (i.e. business days) Demand Draft issuance (5) stoppayment Handling charge Handling charge Cable charge HK$100 Plus: Foreign bank charges HK$100 HK$300 An additional commission of 0.25% on HKD demand draft issuance (maximum: HK$1,000; minimum: HK$120) repurchased Handling charge HK$100 amendment Handling charge HK$100 1 This page has been revised since 1 November PPL489R42B (11/2014) (LT)

9 B. Remittances and Foreign Exchange Services (cont d) Inward Remittances Service Charge Credit to account with Hang Seng Bank (6) Handling charge HK$65 Onward transfer to other local banks (7) Handling charge (7) HK$150HK$300 (1) Remittance to the Mainland China or other places outside Hong Kong for nonhong Kong Identity Card holder is subject to local rules and requirements of Mainland China or the relevant jurisdictions. Outward remittance may be rejected due to local regulatory requirements and rules and subject to charges applicable to returned remittance. (2) other channels include Phone Banking and Remittance by Standing Instruction etc (3) Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Banking by Personal ebanking to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch. (4) Prestige Banking customer enjoys a privileged charge HK$220 for the nondomicile currency remittance conducted via Integrated Account of Prestige Banking through Hang Seng branch to an account with a bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau. (5) Prestige Banking Customers can enjoy a privileged service charge of HK$50. (6) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer. (7) The handling charge for onward transfer to other banks is dependent on the method for the onward transfer, and is exclusive of any charges levied or to be levied by any correspondence bank and/or beneficiary bank. 2 This page has been revised since 1 November PPL489R42B (11/2014) (LT)

10 B. Remittances and Foreign Exchange Services (cont d) Service Foreign Currency Notes/Cheques Exchange Charge Remarks Foreign Currency Notes Purchase/Sale Account Holder for Prestige (1) / RMB Free Preferred (2) / Green (2) Banking Other Currencies > HK$3,000 equivalent Free Customers Overseas Foreign HK$3,000 equivalent HK$50 Per Transaction Currency Cheques encashment deposit into HKD/FCY T/T/USD notes account Local USD Clearing Cheques deposit into HKD /USD T/T account deposit into USD notes account USD 0.25% Other currencies 0.375% (Min.: HK$60 per transaction) 0.25% of deposit amount (Min.: HK$60 per transaction) Foreign Cheques returned unpaid Handling charge per cheque Plus: Foreign bank charges and Interest HK$150 Interest shall be calculated at the prevailing bills advance rate of the related currency from the date of purchase Foreign Cheques collection Handling charge per cheque Plus: Postage for registered airmail Foreign bank charges HK$200 Charges shall be collected irrespective of nonvalid payment of the cheques Foreign Currency Notes deposit into /withdraw from T/T account No Fees up to (per account per day): Prestige Other Customers Customers AUD 1,500 1,500 CAD 1,500 1,500 CHF 1, EUR 1,500 1,000 GBP 1,500 1,000 JPY 300, ,000 NZD 2,000 2,000 THB 20,000 10,000 USD 7,500 1,500 ZAR 1, If the singleday total deposits/ withdrawals exceeds these amount, handling fee will apply as follows: Notes deposits/ withdrawals: 0.25% of the total amount that day Handling fee waived for RMB notes deposit/withdrawal (1) Fee waiver is for the Prestige Banking Customers. (2) Fee waiver is for the Preferred Banking and Green Banking Customers. 3 This page has been revised since 1 March PPL489R42B (11/2014) (LT)

11 C. Securities and Investment Funds Services Local Securities (1) Trade Related (3) SEHK Listed Securities Items Services Charges Min Max Brokerage Fee for SEHK Listed Securities Brokerage Fee for SEHK Listed Notes / Bonds Transaction Levy (collected by SFC) Trading Fee (collected by HKEx) Stamp Duty (collected by HKSAR Government) Deposit Charge for Purchase Orders (5) Italian Financial Transaction Tax ( FTT ) (6) (collected by Italian Inland Revenue Office) Hang Seng Personal ebanking / Automated Securities Trading Hotline: 0.25% for any transaction amount Manned Securities Trading Hotlines (4) / Branches: 0.3% for transaction amount below HK$100, % for transaction amount equal to or above HK$100,000 HK$ % of transaction amount HK$ % of transaction amount 0.005% of transaction amount HK$1 for every HK$1,000 of transaction amount or part thereof Prestige Banking customers: HK$2.5/lot Other customers: HK$5/lot Charge will be waived if securities are sold before settlement Based on daily net increase of customer s beneficial holding of the same share at account level on each settlement day x weighted average purchase price x 0.2% HK$100 HK$30 HK$188 NonListed RMB Bond N.A. Other Bonds CD/Other Structured Products (2) N.A. (1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (2) Other structured products include equitylinked investment, equitylinked notes and equitylinked deposits, etc. (3) For details of services charges of the ETF settled in US currency ABF PAN ASIA BOND INDEX FUND (Stock Code: 02821), please refer to services charges for Hong Kong listed securities / ETF settled in US currency. (4) Not applicable to the securities orders placed via Relationship Mangers of Corporate Wealth Management Services. (5) Not applicable to ibond. (6) Customers who trade shares issued by Italian resident companies which listed on The Stock Exchange of Hong Kong Limited via our Bank are required to pay for the Italian FTT. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 1 This page has been revised since 1 November PPL489R42B (11/2014) (LT)

12 C. Securities and Investment Funds Services (cont d) Local Securities (1) Items Services Charges Scrip Handling & SettlementRelated Physical scrip deposit Deposit Fee HK$30/securities/ transaction Transfer deed HK$5 for each transfer deed stamp duty (collected by HKSAR Government) Physical Scrip Withdrawal Withdrawal Fee HK$7.5/lot Through Central Clearing and Settlement System (CCASS) Deposit Fee Free Withdrawal Fee HK$7.5/lot Transfer in / Out Fee with Other Custodian N.A. SEHK Listed Securities Non Central Clearing and Settlement System (Non CCASS) Transfer Nominee Services and Corporate Actions Collection of Dividends/ Interest (3) Scrip Dividends Cash Offer Privatisation (Receipt of Cash) Conversion of Warrants (Cash Settled) 0.5% on amount collected Min Max HK$50 HK$50 NonListed RMB Bond N.A. Other Bonds HK$500 per instruction CD/Other Structured Products (2) N.A. N.A. HK$30 HK$2,000 Free Free (1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (2) Other structured products include equitylinked investment, equitylinked notes and equitylinked deposits, etc. (3) Not applicable to ibond. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 2 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

13 C. Securities and Investment Funds Services (cont d) Local Securities (1) Items Services Charges Min Max Nominee Services and Corporate Actions Receipt of Bonus Issues Shares Consolidation/ Splitting Right Issues/ Open Offer Conversion of Warrants/ Privatisation (Receipt of Securities) Maturity Redemption of SEHK Listed Notes and Bonds (3) Other Services Unclaimed Benefit Entitlement Application of Newlylisted Securities/Notes Certificate of Account Balance Reissuance of Transaction Advice Photocopying of Statement (per cycle) Dual Tranche, Dual Counter Transfer (From HKDTraded Shares / ETF to RMBTraded Shares / ETF) HK$50/transaction 0.2% of redemption amount SEHK Listed Securities HK$150/transaction plus relevant CCASS charges plus a) Dividend 0.5% on amount collected HK$30 b) Bonus Issue: HK$50 per distribution Subscribe under Hang Seng Nominee: HK$100 per application Subscribe in client s own name with endorsement of the Bank: HK$50 per application HK$100 per certificate (HK$100 for each additional account) HK$100 per copy HK$50 per cycle HK$30 per transaction for each securities / ETF RMB Bond NonListed Other Bonds CD/Other Structured Products (2) N.A. N.A. HK$300 HK$2,000 Free N.A. N.A. N.A. N.A. (1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (2) Other structured products include equitylinked investment, equitylinked notes and equitylinked deposits, etc. (3) Not applicable to ibond. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 3 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

14 C. Securities and Investment Funds Services (cont d) Local Securities (1) Items Services Charges SEHK Listed Securities Min Max RMB Bond NonListed Other Bonds CD/Other Structured Products (2) Other Services Transfer of Entitlement (from one customer to another) a) 0.125% of transfer value (both parties are required to pay) b) Stamp Duty (collected by HKSAR Government): HK$1 for every HK$1,000 of transaction amount or part thereof (both parties are required to pay) HK$100 c) Withdrawal Fee: HK$7.5/lot d) Transfer deed stamp duty (collected by HKSAR Government): HK$5 for each transfer deed HK$50 N.A. N.A. e) Physical Scrip Deposit Fee: HK$30/securities/ transaction Charges For Account Maintenance Items Services Charges Remarks Custody Fee Prestige Banking customers: HK$15/month Other customers: HK$25/month Custody fee is charged on each securities account basis No custody fee will be charged to account if there are no holdings and transaction during that month Custody fee will be waived if the account only holds nonlisted RMB bonds / ibond / CD / other structured products / MOF Bond (1) Not applicable to The Stock Exchange of Hong Kong Limited (SEHK) listed overseas securities and Renminbi denominated securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (2) Other structured products include equitylinked investment, equitylinked notes and equitylinked deposits, etc. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 4 This page has been revised since 1 April PPL489R42B (11/2014) (LT)

15 C. Securities and Investment Funds Services (cont d) Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF Items Services Charges Min Max (A) TradeRelated Brokerage Fee (3) Transaction Levy (1) (collected by Securities and Futures Commission (SFC)) % of transaction amount Trading Fee (1) (collected by HKEx) Hang Seng Personal ebanking / Automated Securities Trading Hotline: 0.25% of transaction amount (For MOF bond (2) : 0.2% of transaction amount) Manned Securities Trading Hotlines (4) /Branches: 0.3% for transaction amount below RMB100, % for transaction amount equal to or above RMB100,000 (For MOF bond (2) : 0.2% of transaction amount) RMB85 RMB % of transaction amount RMB Bond (NonListed) N.A. Stamp Duty (1) (collected by HKSAR Government) 0.1% of transaction amount Deposit Charge for Purchase Orders RMB5/lot (not applicable to MOF bond 2, charges will be waived if securities are sold before settlement) RMB25 RMB160 Note 1. Please note that the Bank will debit the transaction levy, trading fee and stamp duty for Hong Kong listed Renminbi ( RMB ) denominated securities from customers in RMB based on the calculation provided in the above table and such fees and charges will be paid to the relevant authorities in HKD based on the exchange rate prescribed by the relevant authorities. If there are insufficient funds in your Renminbi settlement account to settle the related fees and charges, the Bank shall have the right to collect such fees and charges in HKD from any of your HKD account. 2. Offshore RMB Bond Issued by The Ministry of Finance of the People s Republic of China. 3. Any preferential brokerage or brokerage exemption is not applicable. 4. Not applicable to the securities orders placed via Relationship Managers of Corporate Wealth Management Services. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 5 This page has been revised since 1 November PPL489R42B (11/2014) (LT)

16 C. Securities and Investment Funds Services (cont d) Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF Items Services Charges Min Max (B) Scrip Handling & SettlementRelated Physical scrip deposit Deposit Fee HK$30/securities/ transaction Transfer deed stamp duty (collected by HKSAR Government) HK$5 for each transfer deed Physical scrip withdrawal Withdrawal Fee HK$7.5/lot HK$50 Through Central Clearing and Settlement System (CCASS) Deposit Fee Free Withdrawal Fee HK$7.5/lot HK$50 Non Central Clearing and Settlement System (Non CCASS) Transfer Transfer in / out Fee with other custodian N.A. RMB Bond (NonListed) N.A. HK$500/ instruction Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 6 This page has been revised since 1 March PPL489R42B (11/2014) (LT)

17 C. Securities and Investment Funds Services (cont d) Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF Items Services Charges Min Max (C) Nominee Services & Corporate Actions Collection of Dividends/Interest Scrip Dividends Cash Offer Privatisation (Receipt of Cash) Conversion of Warrants (Cash Settled) (D) Charges For Account Maintenance RMB Bond (NonListed) 0.5% on amount collected (not applicable to MOF Bond (1) RMB25 RMB1,700 Free Receipt of Bonus Issues Shares Consolidation/ Splitting Right Issues/ Open Offer Conversion of Warrants/ Privatisation (Receipt of Securities) RMB40/transaction Maturity Redemption of Exchange Listed Notes and Bonds 0.2% of redemption amount (not applicable to MOF Bond (1) RMB250 Free Items Services Charges Remarks Custody Fee Prestige Banking customers: HK$15/month Other customers: HK$25/month N.A. Custody fee is charged on each securities account basis No custody fee will be charged to account if there are no holdings and transaction during that month Custody fee will only be charged once even though the securities account hold both securities and bonds during that month Custody fee will be waived if the account only holds nonlisted RMB bonds / ibond / CD / other structured products / MOF Bond Note 1. Offshore RMB Bond Issued by The Ministry of Finance of the People s Republic of China. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 7 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

18 C. Securities and Investment Funds Services (cont d) Hong Kong Listed Renminbi Denominated Securities/ Bonds/ ETF Items Services Charges Min Max (E) Other Services Unclaimed Benefit Entitlement Application of Newlylisted Securities/Notes Transfer of Entitlement (from one customer to another) MOF Bond (1) Transfer (Between Central Money Market Unit {CMU} and CCASS) Dual Tranche, Dual Counter Transfer (From RMBTraded Shares / ETF to HKDTraded Shares / ETF) RMB130/transaction plus relevant CCASS charges plus: a) Dividend: 0.5% on amount collected RMB25 RMB1,700 b) Bonus Issue: RMB40 per distribution Subscribe under Hang Seng Nominee: RMB85 per application Subscribe in client s own name with endorsement of the Bank: RMB45 per application a) 0.125% of transfer value (both parties are required to pay) RMB85 b) Stamp Duty (collected by HKSAR Government): HK$1 for every HK$1,000 of transaction amount or part thereof (both parties are required to pay) c) Withdrawal Fee: HK$7.5/lot HK$50 d) Transfer deed stamp duty (collected by HKSAR Government): HK$5 for each transfer deed e) Physical Scrip Deposit Fee: HK$30 / securities / transaction HK$100 / securities or bonds / transaction HK$30 / securities or ETF / transaction RMB Bond (NonListed) N.A. Note 1. Offshore RMB Bond Issued by The Ministry of Finance of the People s Republic of China. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 8 This page has been revised since 1 April PPL489R42B (11/2014) (LT)

19 C. Securities and Investment Funds Services (cont d) Stock Connect Northbound Securities (SSE Securities) (1) Items Services Charges Min Max Brokerage Fee (2) Hang Seng Personal ebanking : 0.25% of transaction amount Manned Securities Trading Hotlines (3) / Branches: 0.3% for transaction amount below RMB100, % for transaction amount equal to or above RMB100,000 RMB85 RMB85 Deposit Charge for Purchase Orders RMB25 per transaction Handling Fee (collected by SSE) % of transaction amount Securities Management Fee (collected by CSRC) 0.002% of transaction amount Transfer Fee (collected by ChinaClear) 0.06% on face value Stamp Duty (collected by State Administration of Taxation (SAT)) Dividend Tax (collected by SAT) Capital Gain Tax (collected by SAT) Through Central Clearing and Settlement System (CCASS) 0.1% of transaction amount (for sale transactions only) Applicable to cash dividend and bonus issue and will be collected based on the tax rate determined by SAT from time to time Applicable to share disposal and will be collected based on the tax rate determined by SAT from time to time Deposit Fee: Free Withdrawal Fee: 0.008% of market value RMB40 (1) Except listed charges, all other charges are the same as those for Hong Kong listed Renminbi denominated securities. (2) Any preferential brokerage or brokerage exemption is not applicable. (3) Not applicable to the securities orders placed via Relationship Managers of Corporate Wealth Management Services. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 9 This page has been revised since 17 November PPL489R42B (11/2014) (LT)

20 C. Securities and Investment Funds Services (cont d) Shenzhen and Shanghai B Shares (1) Items Services Charges Min Max Shenzhen Brokerage Fee 0.8% of transaction amount HK$400 (Any preferential brokerage or brokerage exemption is not applicable) Transaction Fee HK$300 per transaction Transaction Levy % of transaction amount Stamp Duty 0.1% of transaction amount (For Sale Transactions Only) Clearing Fee 0.05% of transaction amount HK$500 Handling Charge for Securities Transfer HK$300 per request for each securities Deposit Charge for Purchase Orders HK$30 per request Conversion Handling Fee for `B shares to `H shares HK$100 per request for each securities Shanghai Brokerage Fee 0.8% of transaction amount HK$400 (Any preferential brokerage or brokerage exemption is not applicable) Transaction Fee HK$300 per transaction Transaction Levy 0.028% of transaction amount Stamp Duty 0.1% of transaction amount (For Sale Transactions Only) Clearing Fee 0.05% of transaction amount Handling Charge for Securities Transfer HK$700 per request for each securities Deposit Charge for Purchase Orders HK$30 per request Conversion Handling Fee for `B shares to `H shares HK$100 per request for each securities (1) Except listed charges, all other charges are the same as those for local securities. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 10 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

21 C. Securities and Investment Funds Services (cont d) (1 ) (2) (3) Singapore Securities Jardine Group Stocks only Items Services Charges Min Max Brokerage Fee 0.5% of transaction amount HK$250 (Any preferential brokerage or brokerage exemption is not applicable) Handling Charge 0.25% of transaction amount Trading Fee (collected by Singapore Exchange) % of transaction amount Clearing Fee (collected by Singapore Exchange) % of transaction amount Deposit Charge for Purchase Orders First 100 lots Prestige Banking customers: HK$5/lot HK$30 HK$2,000 Other customers: HK$10/lot From 101 st lot onwards HK$3.5/lot Collection of Dividends 1% on amount collected HK$50 HK$2,500 Withdrawal Fee HK$7.5/lot HK$50 Transfer in / out of Settlement Fee HK$400/ instruction (1 ) (2) (3) Singapore Securities Hutchison Port Holdings Trust For Sale Transactions only Items Services Charges Min Max Brokerage Fee 0.5% of transaction amount HK$250 (Any preferential brokerage or brokerage exemption is not applicable) Handling Charge 0.25% of transaction amount Trading Fee (collected by Singapore Exchange) % of transaction amount Clearing Fee (collected by Singapore Exchange) % of transaction amount Collection of Dividends 1% on amount collected HK$50 HK$2,500 Withdrawal Fee HK$7.5/lot HK$50 Transfer in / out of Settlement Fee HK$400/ instruction (1) Except listed charges, all other charges are the same as those for local securities. (2) Transfer in service of Singapore Securities will not be provided to customers who are the citizen of Singapore or have residential / correspondence address in Singapore. (3) Purchase order of Singapore Securities from customers who are the citizen of Singapore or have residential / correspondence address in Singapore will not be accepted. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 11 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

22 C. Securities and Investment Funds Services (cont d) Securities Services Charges for Hong Kong Listed Securities / ETF Settled in US Currency and Hong Kong Listed US Securities and Overseas Securities Items Services Charges Min Max Hong Kong Listed Securities / ETF Settled in US Currency (1) Brokerage Fee 0.5% of transaction amount US$20 (Any preferential brokerage or brokerage exemption is not applicable) Transaction Levy % of transaction amount (collected by SFC) Trading Fee 0.005% of transaction amount (collected by HKEx) Stamp Duty (collected by HKSAR 0.1% of transaction amount Government) Deposit Charge for Purchase Orders US$1/lot US$4 US$25 Hong Kong Listed US Securities (1) Brokerage Fee 0.5% of transaction amount HK$100 (Any preferential brokerage or brokerage exemption is not applicable) Transaction Levy % of transaction amount (collected by SFC) Trading Fee 0.005% of transaction amount (collected by HKEx) Withdrawal Fee for Physical Scrips HK$100 handling fee per request plus HK$600 DTC (2) charges per request and outofpocket expenses Cross Border Transfer Fee for Receipt/ HK$100 handling fee per request plus Delivery of Foreign Securities HK$200 DTC (2) charges per request and outofpocket expenses Warrant Conversion, Voluntary Takeover, HK$100 handling fee per request Tender Offer & Open Offer plus HK$600 DTC (2) charges per request and outofpocket expenses Deposit Charge for Purchase Orders HK$10/lot HK$30 HK$2,000 Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500 Overseas Securities (3) : US/UK/Japan Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500 Transferout HK$50/securities/transaction plus outofpocket expenses (1) Except listed charges, all other charges are the same as those for local securities. (2) US Depository Trust Company. (3) Applicable to customers whose overseas securities accounts were opened on or before 31 March Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank. All fees and charges are determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC/SSE/CSRC/ChinaClear/SAT are subject to change without prior notice. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 12 This page has been revised since 1 November PPL489R42B (11/2014) (LT)

23 C. Securities and Investment Funds Services (cont d) MARKET INFORMATION SERVICES CHARGES (A) HK Stocks (including the HK Listed Securities /ETF Settled in US Currency and HK Listed US Securities) Services Charges Minimum Remarks Realtime Quote Service for HK Stocks (via Hang Seng Personal ebanking) HK$0.05 / quote HK$10 / month FREE Realtime Quote for HK Stocks per month: Prestige Banking Customers: 1,000 Preferred Banking Customers: 500 General Customers: 500 Additional FREE Realtime Quote for HK Stocks: Prestige Banking / Preferred Banking / General Customers: 200 for the respective month for every successful HK stocks buy / sell transaction or every HKD50,000 of accumulated turnover (whichever number of free realtime quotes enjoyed is higher). Preferred Banking Customers: 500 if there are HK stocks holdings in their securities account in that month. Additional free realtime quote earned from successful HK stocks transactions may be carried forward to the next month and is determined in accordance with the following: (A) : The balance of total additional free realtime quotes earned from successful buy/sell transactions during the month LESS the total additional free realtime quotes earned from successful buy/sell transactions in the first 24 calendar days of the month; or (B) : The number of unused free realtime quotes of the month; Compare (A) with (B), the lower of the two can be carried forward to the next month; The additional free realtime quotes that are carried forward can only be used in the immediately following month and will be cancelled automatically if such free realtime quotes are not used in that month. Monthly enjoyable free realtime quote for HK stocks and A shares can only be used separately. Realtime Snapshot Service for HK Stocks (via Hang Seng Personal ebanking) HK$200 / month This service plan is suitable for high usage investors. Full fee will be collected from the settlement account of the designated securities account even if no realtime quotes are used in the month. The subscription/cancellation instruction will be effective in the next calendar month after the application. 13 This page has been revised since 17 November PPL489R42B (11/2014) (LT)

24 C. Securities and Investment Funds Services (cont d) MARKET INFORMATION SERVICES CHARGES (B) Shanghai A Shares Services Charges Minimum Remarks Realtime Quote Service for A Shares (in Stock Connect Trading page via Hang Seng Personal ebanking) HK$0.05 / quote HK$10 / month FREE Realtime Quote for A Shares per month: Prestige Banking Customers: 1,000 Preferred Banking Customers: 500 General Customers: 500 Additional FREE Realtime Quote for A Shares: Prestige Banking / Preferred Banking / General Customers: 200 for the respective month for every successful Stock Connect Northbound securities ( SSE Securities ) buy / sell transaction or every RMB50,000 of accumulated turnover (whichever number of free realtime quotes enjoyed is higher). Preferred Banking Customers: 500 if there are SSE Securities holdings in their securities account in that month. Additional free realtime quote earned from successful SSE Securities transactions may be carried forward to the next month and is determined in accordance with the following: (A) : The balance of total additional free realtime quotes earned from successful buy/sell transactions during the month LESS the total additional free realtime quotes earned from successful buy/sell transactions in the first 24 calendar days of the month; or (B) : The number of unused free realtime quotes of the month; Compare (A) with (B), the lower of the two can be carried forward to the next month; The additional free realtime quotes that are carried forward can only be used in the immediately following month and will be cancelled automatically if such free realtime quotes are not used in that month. Monthly enjoyable free realtime quote for HK stocks and A shares can only be used separately. 14 This page has been revised since 17 November PPL489R42B (11/2014) (LT)

25 C. Securities and Investment Funds Services (cont d) MARKET INFORMATION SERVICES CHARGES Terms & Conditions: 1. Realtime Quote Service for HK Stocks, Realtime Snapshot Service for HK Stocks and Realtime Quote Service for A Shares (in Stock Connect Trading page) is for Securities Account holders only. 2. Realtime Quote Service for HK Stocks is only applicable to the usage of chargeable detailed quotes used in HK Stocks Trading page, HK Stocks Watch List page and Securities Express via Personal ebanking. This plan does not involve usage of realtime basic quotes for HK stocks which are provided for free. 3. Realtime Quote Service for A Shares (in Stock Connect Trading page) is only applicable to the usage of chargeable detailed quotes used in Stock Connect Trading page via Personal ebanking. This plan does not involve usage of realtime quotes used in A Shares Express which are provided for free. 4. Realtime quote: HK Stocks: According to HKEx, stock quote enquiry on HK stocks trading day which is from market open of each trading session to 15 minutes after market close of each trading session, will be counted into realtime quotes usage. That is, during normal trading day, stock quotes for ExchangeTraded Funds traded under the Pilot Programme between 09:00 and 16:15, and stock quotes for other products traded from 9:00 to 12:15 and from 13:00 to 16:15, will be counted as realtime quotes. During half trading day, all stock quotes from 9:00 to 12:15 will be counted as realtime quotes. A Shares: According to SSE, stock quote enquiry on A shares trading day which is from market open of continuous auction trading session to 15 minutes after market close of continuous auction trading session, will be counted into realtime quotes usage. That is, stock quotes for A shares from 09:30 to 11:45 and from 13:00 to 15:15, will be counted as realtime quotes. (Due to differences in public holidays between Hong Kong and Mainland, customers should note that regardless of Northbound Trading service opens or not, all stock quotes enquiry on A shares trading day which is from market open of continuous auction trading session to 15 minutes after market close of continuous auction trading session, will be counted as realtime quotes.) 5. Each ebanking customer is only entitled to ONE set of services: (a) Realtime Quote Service for HK Stocks and Realtime Quote Service for A Shares (in Stock Connect Trading page) or (b) Realtime Snapshot Service for HK Stocks and Realtime Quote Service for A Shares (in Stock Connect Trading page). 6. HK stocks transactions and turnover will be counted by combining the HK stocks trading records of all your Securities Account(s). If the settlement amount is in foreign currency, we will use Bank s month end exchange rate to convert the settlement amount into HKD equivalent to calculate. 7. SSE Securities transactions and turnover will be counted by combining the SSE Securities trading records of all your Securities Account(s). 8. Fees of current month will be charged to your Securities Settlement Account within the 8 th 10 th working day of the following month. If you have more than one Securities Account, we will select and debit one of your Settlement Accounts in the following priority: 1st Priority: Joint Name Securities Account s Settlement Account prevails Sole Name Securities Account s Settlement Account 2nd Priority: Settlement Account of Prestige Banking Integrated Account prevails Settlement Account of Preferred Banking Integrated Account; Settlement Account of Preferred Banking Integrated Account prevails Settlement Account of Integrated Account; Settlement Account of Integrated Account prevails HKD Current Settlement Account; HKD Current Settlement Account prevails HKD Savings Settlement Account 3rd Priority: Settlement Account with latest account opening date prevails an earlier Settlement Account 9. If your Settlement Account(s) balance is insufficient to settle the fee(s) in full, the Bank reserves the right to set off the fees at any of your Hong Kong Dollar Accounts with the Bank 10. Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. 15 This page has been revised since 17 November PPL489R42B (11/2014) (LT)

26 C. Securities and Investment Funds Services (cont d) Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance is not indicative of future performance. Investors should read the relevant fund's offering documents (including the full text of the risk factors stated therein) in detail before making any investment decision. I. Monthly Account Fee ipower Account Account Fees and Charges Daily Portfolio Value Below HK$200,000 HK$200,000 to less than HK$500,000 HK$500,000 or above Account Fee Rate (% p.a.) 2.5% 1.75% 1.5% Notes: (1) The monthly account fee is charged with reference to the daily portfolio value (subject to a minimum fee of HK$100 (save as otherwise specified herein)). It is calculated and accrues on each calendar day, and payable monthly in arrears. The monthly account fee starts to accrue from the date on which fund holdings are first recorded in the ipower Account, but the minimum fee stated above does not apply to that calendar month. Where the daily portfolio value is zero in the whole calendar month. the minimum fee stated above does not apply to that calendar month (irrespective of whether any fund holdings were recorded in the previous month(s)). (2) The daily portfolio value is the sum total of the market value of all current fund holdings under the customer s ipower Account in a calendar day. For fund(s) denominated in non HKD, the HKD equivalent of the market value is calculated based on the exchange rate as determined by the Bank. (3) The account fee (in respect of a calendar day) is calculated based on this formula: Daily Portfolio Value x applicable Account Fee Rate. (4) The accrued account fee (in respect of a calendar month) is the sum total of all the daily account fees for the month. (5) Unless otherwise specified, the actual amount of monthly account fee payable shall be the accrued account fee so calculated, or the minimum monthly account fee specified in note 1 above, whichever is higher. (6) (a) The monthly account fee for the current month will be debited from the HKD savings account under the relevant integrated account on the 8th calendar day of the next month. If such day is not a business day, the relevant monthly account fee will be debited on the next business day. Please refer to the monthly statement of the relevant integrated account for the actual amount of monthly account fee debited. (6) (b) If the Bank cannot debit the monthly account fee from the HKD savings account under the relevant integrated account for 2 consecutive months, the ipower Account will be suspended until all outstanding account fees and charges have been settled. (6) (c) The monthly account fee will continue to accrue during the suspension period. (6) (d) Where the monthly account fee is to be debited from a nonhkd account (for whatever reason), the relevant amount (in foreign currency) will be converted into HKD based on the exchange rate as determined by the Bank. 16 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

27 C. Securities and Investment Funds Services (cont d) II. Account Administration Fee Account Administration Fee at transferout 1 Account Administration Fee at account closure 2 1.5% of the prevailing market value (as at the date of the Bank s receipt of the transferout instruction) of the fund holdings being transferred out HK$100 x (12 number of calendar months since settlement of the last fund subscription or switchingin transaction) (Maximum: HK$500) Notes: (1) (a) For transferout of fund holdings from the ipower Account to another account (held with the Bank or otherwise), if the period between the date of settlement of the last fund subscription or switchingin transaction via the ipower Account and the date of the Bank s receipt of the transferout instruction is less than 1 year, an account administration fee will apply. (1) (b) An amount equivalent to such fee held in the HKD savings account under the relevant integrated account will be withheld upon the Bank s receipt of the transferout instruction, and will be debited upon successful execution of the transferout instruction. For fund(s) denominated in nonhkd, the HKD equivalent of the prevailing market value is calculated based on the exchange rate as determined by the Bank. (2) (a) If the period between the date of settlement of the last fund subscription or switchingin transaction via the ipower Account and the Bank s reference date of account closure (for whatever reason) is less than 1 year, an account administration fee will apply. (1) (b) Such account administration fee will be charged against the HKD savings account under the relevant integrated account upon successful execution of the account closure instruction. (1) (c) Any accrued monthly account fee not yet charged (up to and including the date of account closure, and subject to the minimum monthly account fee specified in note 1 of Section I above) will be debited from the HKD savings account under the relevant integrated account upon successful execution of the account closure instruction. 17 This page has been revised since 24 March PPL489R42B (11/2014) (LT)

28 C. Securities and Investment Funds Services (cont d) ipower Account Investment Funds Service Charge Item Subscription Fee 1 Switching Handling Fee 1 (applicable to switching between funds provided by the same fund house) Management Fee (p.a.) Redemption Fee 3 Charge Funds in Hang Seng Investment Series, Hang Seng Mainland Investment Series and Hang Seng Islamic Investment Series Hang Seng Investment Series: Up to 1.5% 2 Hang Seng Mainland Investment Series: Up to 1.75% 2 Hang Seng Islamic Investment Series: Up to 1% 2 Nil Other Funds Depends on individual fund Depends on individual fund For details of the fees and charges for each individual fund, please refer to the offering documents of the relevant fund. Notes: (1) Customers should note that while they are not required to pay the subscription fee and the switching handling fee, they may be required to pay redemption fees and/or other fees (if any) charged by the relevant fund house(s) in respect of fund switching. In addition, the Bank charges a monthly account fee and (in certain circumstances) account administration fee. (2) This is the maximum rate as stated in the term sheet of the relevant fund in the series. (3) Redemption fee is calculated based on the redemption proceeds of the units being redeemed. 18 This page has been revised since 24 March PPL489R42B (11/2014) (LT)

29 C. Securities and Investment Funds Services (cont d) Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past performance is not indicative of future performance. Investors should read the relevant fund s offering documents (including the full text of the risk factors stated therein) in detail before making any investment decision. Investment Funds Charge Item Charge Funds in Hang Seng Investment Series, Hang Seng Mainland Investment Series and Other Funds Hang Seng Islamic Investment Series Class A Units Class B Units Subscription Fee (1) Hang Seng Investment Series: Nil Depends on Up to 4%* individual fund Hang Seng Mainland Investment Series: Up to 4%* Hang Seng Islamic Investment Series: Up to 3%* Switching Handling Fee (2) (applicable to switching between funds provided by the same fund house) Management Fee (p.a.) 1% Nil 1% Hang Seng InvestmentSeries: Up to 1.5%* Hang Seng Mainland Investment Series: Up to 1.75%* Hang Seng Islamic Investment Series: Up to 1%* Administration Fee Nil Up to 1%* (p.a.) (3) Issue Certificate of Investment Funds Account Balance Reprint Contract Note / Confirmation for transaction(s) Reprint Investment Funds Account Monthly Statement HK$100 per certificate HK$50 per copy Hang Seng Investment Series: Up to 1.5%* Hang Seng Islamic Investment Series: Up to 1%* Redemption Fee (4) Nil Holding Period Less than 1 year: 3% 1 year less than 2 years: 2% 2 years less than 3 years: 1% Class B Units will be automatically converted to Class A Units after 3 years, upon which no redemption fee will apply. HK$100 per copy Depends on individual fund Depends on individual fund Depends on individual fund For details of the fees and charges for each individual fund, please refer to the offering documents of the relevant fund. * This is the maximum rate as stated in the term sheet of the relevant fund in the series. 19 This page has been revised since 1 January 2015 PPL489R42B (11/2014) (LT)

30 C. Securities and Investment Funds Services (cont d) (1) Up to 2% subscription fee discount for Prestige Banking customers. Up to 1% subscription fee discount for Preferred Banking, Green Banking and Integrated Account customers. Terms and Conditions apply to the offer, please refer F. Integrated Account Services and Privileges for details. (2) The switching handling fee is charged by the Bank in respect of switching of funds # under the same/different fund series, customer is not required to separately pay the switching fee (if any) charged by the relevant fund. Currently, the switching handling fee for switching from funds in the Hang Seng Investment Series, the Hang Seng Mainland Investment Series and the Hang Seng Islamic Investment Series to Money Market Funds in the Hang Seng Investment Series is waived. The fee waiver applies until further notice. The Hang Seng Investment Series, the Hang Seng Mainland Investment Series and the Hang Seng Islamic Investment Series are all managed by the same fund manager (i.e. Hang Seng Investment Management Limited) but they are three independent and separate investment series. The investments of funds in the Hang Seng Investment Series and the Hang Seng Mainland Investment Series are made without reference to Islamic Investment (or Shariah ) Principles. Please refer to the offering documents of the relevant funds for details. # The minimum amount of units for switching is equivalent to HKD20,000. (3) Administration fee is a fee charged in respect of certain administrative work including the handling and update of transaction records, redemption fee calculation and the arrangement for converting Class B Units into Class A Units done by the fund manager. The administration fee of up to 1% p.a. for Hang Seng Index Fund Class B Units, Hang Seng China H Share Index Fund Class B Units and Hang Seng China Index Fund Class B Units is currently waived by the fund manager. (4) Redemption fee is calculated based on the redemption proceeds of the Units being redeemed. In respect of Hang Seng Index Fund, Hang Seng China HShare Index Fund and Hang Seng China Index Fund, the fund manager currently applies a flat rate of 1% of the redemption proceeds for Class B Units held for less than 3 years. Please contact the Bank s staff for details of the fees before redemption of Class B Units. 20 This page has been revised since 3 January 2013 PPL489R42B (11/2014) (LT)

31 D. Credit Card Services Annual Fee Visa Infinite Card / World MasterCard Platinum Card Principal Card Supplementary Card Principal Card Supplementary Card HK$6,000 HK$1,000 HK$1,200 HK$600 Gold Card Principal Card HK$540 Supplementary Card HK$270 Classic Card Principal Card HK$240 Supplementary Card HK$120 Renminbi Credit Card Platinum Card Gold Card Classic Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card CNY1,200 CNY600 CNY540 CNY270 CNY240 CNY120 USD Visa Gold Card Principal Card US$70 Supplementary Card US$35 alpha card HK$50 per Card Monthly Fee Mobile Card HK$8 per Card For enquiries on credit card services, please call our 24Hour Customer Service Hotlines: Hang Seng Visa Infinite Card Hang Seng World MasterCard / Prestige World MasterCard The Hong Kong Jockey Club Membership Card / The Racing Club Membership Card Hang Seng Platinum Card Hang Seng Credit Card / Spending Card Hang Seng enjoy Visa Platinum Card / Spending Card Hang Seng enjoy Visa Card Note: Fees and charges in U.S. Dollars used in this Credit Card Services section are only applicable to USD Visa Gold Card (except Credit Reference Letter Fee). A handling fee of HK$30 (via PLUS/Cirrus ATMs), HK$15 (via China UnionPay ( UnionPay ) ATMs) or HK$20 (via Hang Seng Bank / HSBC Group ATMs outside Hong Kong) will be charged to your bank account which is linked up with your credit card, and from where cash withdrawal is made. For repayment of Renminbi Credit Card bill, where a conversion of HKD into Renminbi is required, such conversion should be calculated at such rate specified by the Bank which shall be conclusive and binding on you. 1 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

32 D. Credit Card Services (cont d) Card Replacement Fee Visa Infinite Card / World MasterCard / Prestige World MasterCard / Platinum Card / Gold Card / Classic Card / Priority Pass Card Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card The Hong Kong Jockey Club Membership Card (MasterCard / Private Label Card) / The Racing Club Membership Card USD Visa Gold Card Club Marina Cove Membership Credit Card / enjoy Private Label Card eshopping MasterCard enjoy Spending Card / alpha card HK$100 per card account CNY100 per card account HK$100 per card account for lost card replacement change of photo or signature (subject to the Club s approval) US$13 per card account HK$20 per card account Principal Card HK$100 HK$50 per card account Late Charge Visa Infinite Card / Prestige World MasterCard / Platinum Card / Gold Card / Classic Card World MasterCard / USD Visa Gold Card / Club Marina Cove Membership Credit Card / enjoy Private Label Card Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card The Hong Kong Jockey Club Membership Card (MasterCard) / The Racing Club Membership Card The Hong Kong Jockey Club Membership Card (Private Label Card) If the Customer fails to make the Minimum Payment Amount on or before the Payment Due Date, a late charge of HK$200 or an amount equal to the Minimum Payment Amount (whichever is lower) will be levied each time. If the Customer fails to make full payment of the New Balance on or before the Payment Due Date, a late charge of HK$200/US$25 or an amount equal to the New Balance (whichever is lower) will be levied each time. If the Customer fails to make the Minimum Payment Amount on or before the Payment Due Date, a late charge of CNY200 or an amount equal to the Minimum Payment Amount (whichever is lower) will be levied each time. If the Customer fails to make the Minimum Payment Amount on or before the Payment Due Date, a late charge of HK$150 or an amount equal to the Minimum Payment Amount (whichever is lower) will be levied each time. If the Customer fails to make full payment of the New Balance on or before the Payment Due Date, a late charge of HK$150 or an amount equal to the New Balance (whichever is lower) will be levied each time. 2 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

33 D. Credit Card Services (cont d) Overlimit Fee Visa Infinite Card / World MasterCard / Prestige World MasterCard / Platinum Card / Gold Card / Classic Card / USD Visa Gold Card / Club Marina Cove Membership Credit Card / enjoy Private Label Card Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card The Hong Kong Jockey Club Membership Card (MasterCard) / The Racing Club Membership Card An overlimit fee of HK$180/US$23 per month will be charged if the outstanding balance (excluding fees and charges charged by the bank) exceeds the prescribed credit limit by HK$180/US$23 or above. An overlimit fee of CNY180 per month will be charged if the outstanding balance (excluding fees and charges charged by the bank) exceeds the prescribed credit limit by CNY180 or above. An overlimit fee of HK$150 per month will be charged if the outstanding balance (excluding fees and charges charged by the bank) exceeds the prescribed credit limit by more than 10%. Cash Advance Handling Fee Visa Infinite Card / World MasterCard / Prestige World MasterCard / Platinum Card / Gold Card / Classic Card / USD Visa Gold Card Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card The Hong Kong Jockey Club Membership Card (MasterCard) / The Racing Club Membership Card A handling fee of 3.5% of the cash advance amount (minimum HK$100/ US$13) will be charged for every cash advance transaction. Cash advance transaction can be made at Hang Seng Bank/HSBC Group ATMs, other ATMs with Visa/PLUS, MasterCard/Cirrus or UnionPay signage, financial institutions with Visa or MasterCard signage and over the counters of Hang Seng Bank. A handling fee of 3.5% of the cash advance amount (minimum CNY100) will be charged for every cash advance transaction. Cash advance transaction can be made at ATMs with UnionPay signage on mainland China. A handling fee of 3.5% of the cash advance amount (minimum HK$70) will be charged for every cash advance transaction. Cash advance transaction can be made at Hang Seng Bank/HSBC Group ATMs, other ATMs with MasterCard/Cirrus signage, financial institutions with MasterCard signage and over the counters of Hang Seng Bank. 3 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

34 D. Credit Card Services (cont d) Other Fees SelectImage MasterCard Administration Fee Only applicable to the Customers who are enjoying any annual fee waiver (Hang Seng Credit Card Rewards Programme excluded) Foreign Currency Transaction Conversion Fee Returned Cheque / Autopay Reject Handling Fee Sales Draft Retrieval Fee Statement Copy Retrieval Fee Credit Reference Letter Fee (1) Payment by Foreign Cheque / Cashier s Order Credit Balance Refund by Cashier s Order Handling Fee for payment Over the Counter at Branch (2) HK$100 per year (per card account) Services less than 1 year will also be charged with a full annual administration fee Foreign currency transactions will be converted into Hong Kong Dollars (for USD Visa Gold Card, the nonusd transactions will be converted into US Dollars) at a rate selected by the relevant Card Association from the range of rates available in wholesale currency markets for the applicable conversion date or the governmentmandated rate in effect for the applicable conversion date, in each instance plus 1.95% / 1.75% (only applicable to The Hong Kong Jockey Club Membership Card (MasterCard) and The Racing Club Membership Card) / 1.2% (only applicable to CUP Credit Card) (inclusive of the reimbursement charge levied by the relevant Card Association on Hang Seng Bank). A returned cheque / autopay reject handling fee of HK$120/US$16 will be charged once on the same statement if there is any returned cheque / autopay reject amount more than HK$120/US$16. Returned cheque / autopay reject handling fee will be waived if late charge is levied on the same statement. Copy HK$40/US$5 per copy Free for statement issued within 3 months HK$50/US$7 per page for statement issued beyond 3 months HK$200 (local copy)/us$50 (foreign copy) HK$60 per cheque For payment made by cheque/cashier s order of Macau Banks, an additional 0.25% of cheque amount or HK$100 (whichever is higher) will be charged. HK$35 per cashier s order HK$30 per transaction Other Fees of Renminbi Credit Card Returned Cheque / Autopay Reject Handling Fee Sales Draft Retrieval Fee Statement Copy Retrieval Fee Credit Reference Letter Fee (1) A returned cheque / autopay reject handling fee of CNY120 will be charged once on the same statement if there is any returned cheque / autopay reject amount more than CNY120. Returned cheque / autopay reject handling fee will be waived if late charge is levied on the same statement. Copy CNY40 per copy Free for statement issued within 3 months CNY50 per page for statement issued beyond 3 months CNY200 (local copy)/us$50 (foreign copy) Credit Balance Refund by Cashier s Order (1) Postage fee required for mailing to the relevant local/foreign institutions is included. (2) Customers who can present Visa Infinite Card, World MasterCard, The Hong Kong Jockey Club Membership Card (MasterCard/Private Label Card), The Racing Club Membership Card or Renminbi Card or a copy of the above mentioned Cards will be exempted from this fee. 4 This page has been revised since 1 January CNY35 per cashier s order PPL489R42B (11/2014) (LT)

35 E. Lending Services Secured Loans Secured Overdraft Facility Item Charge Monthly Handling Fee (1) 0.01% on the Secured Overdraft Limit Property Instalment Loans Service Charge Application Fee HK$1,000 HK$2,000 per application (payable upon application and not applicable to customers under special schemes, e.g. Home Ownership Scheme) Front End Fee new purchase of residential mortgage (personal borrower) 0.5% on loan amount (company borrower) nonresidential mortgage 0.5% on loan amount rental property 0.5% on loan amount further charge 0.5% on further charge amount Vehicle Loans Service Charge Assignment (Change of Hirer) / Change of Agreement Term Transfer or Retain Vehicle Registration Mark Vehicle Replacement Loan Handling Fee (Except Taxi and PLB Loan) Option Fee HK$1,000 HK$500 HK$600 HK$500 HK$600 HK$250 HK$100 (1) Only applicable to Facility pledged with Deposits and Investment Products, If the secured overdraft limit is initially granted on or before June 2008, this fee is not applicable. Note: The above information is for customer s reference with regard to the charges (applicable to all types of vehicles) for various services offered by Hang Seng Bank Limited. The listed charges are correct at the time of printing but subject to change with notice. 1 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

36 E. Lending Services (cont d) Mortgage Lending Related Services Service Charge Copy of Document(s) Copy of Title Deed Document(s): Copy of Assignment HK$200 per copy Copy of Mortgage Deed HK$200 per copy Copy of the Agreement for Sale and Purchase HK$200 per copy Copy of Letter of Offer Copy of Repayment Schedule HK$100 per copy HK$100 per copy Issuance/ Reissuance of Document(s) Interest and Principal Statement Certification of Account Closure/ Certification of Loan Settlement Figures/ Certification of Loan Information Repayment Record Interest Rate Change Advice Lease Consent Letter on Charged Property Credit Information HK$100 per account / each financial year (Free for first statement of the last financial year) HK$200 per account HK$200 per 12month record HK$100 per advice HK$1,000 per account HK$200 per account Notes: * 1. Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme. # 2. For handling fee of autopay returned due to insufficient funds under Home Ownership Scheme and Tenant Purchase Scheme, please refer to P.6 of Section A Deposit Services. 2 This page has been revised since 1 July PPL489R42B (11/2014) (LT)

37 E. Lending Services (cont d) Mortgage Lending Related Services Service Charge Others Change of Repayment Terms/ Loan Scheme* (Excluding the change from Conventional Mortgage loan scheme to MortgageLink loan scheme) Change from Conventional Mortgage loan scheme to MortgageLink loan scheme / Change from HKD MortgageLink loan scheme to RMB / HKD MortgageLink loan scheme / Change from RMB / HKD MortgageLink loan scheme to HKD MortgageLink loan scheme Custody of Nondischarged Deeds after Full repayment Using Debit Note for Repayment Autopay Returned Due to Insufficient Funds # Late Charge* (Including handling fee for autopay returned due to insufficient fund) Administrative fee for preapproval of HomeForHome Bridging Loan Plan Cancellation Fee Prepayment Handling Fee HK$1,000 per account HK$3,000 per account HK$3,000 per year HK$30 per instalment HK$150 per transaction HK$400 per transaction HK$1,000 per application (The administrative fee will be waived if the HomeForHome bridging loan plan and the new mortgage loan are utilized within 180 calender days from the date of the conditional letter of offer for the Preapproval Service.) 0.5% of the loan amount or HK$5,000, whichever is higher. In general, the prepayment handling fee in the first 3 years is 0.5% of the prepaid amount or HK$800, whichever is higher. After the first 3 years, HK$800 will be levied on each prepayment. Premium Financing And Policy Collateralization Service Change of Loan Terms Handling Fee Prepayment Handling Fee Charge HK$1,000 per request HK$1,000 for each prepayment Notes: * 1. Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme. # 2. For handling fee of autopay returned due to insufficient funds under Home Ownership Scheme and Tenant Purchase Scheme, please refer to P.6 of Section A Deposit Services. 3 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

38 E. Lending Services (cont d) Unsecured Loans Unsecured Overdraft Facility Item Annual Fee Late Charge Reissuance of Approval Advice Charge For personal customers: 0.5% 1% of the overdraft limit (minimum HK$200, maximum HK$800) Prestige Banking Customers: Perpetually Other Integrated Account customers: First Year waived HK$100 HK$100 per copy Personal Instalment Loan Item Handling Fee Prepayment Handling Fee Default Interest Late Charge Reissuance of Approval Advice Charge Please refer to the promotional leaflet The aggregate of (a) next month s instalment amount which would have been payable but for the prepayment less the portion for repayment of the principal and (b) 2% of the outstanding principal of the Personal Instalment Loan, subject to a minimum of HK$300. Monthly instalment due calculated at the rate of 2.25% per month from the due date of such instalment until the date of full payment HK$300 HK$100 per copy 4 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

39 E. Lending Services (cont d) Personal Revolving Loan Item Annual Fee ATM Cash Withdrawal / Fund Transfer / EPS Payment Handling Fee Late Charge Overlimit Fee Returned Cheque Handling Fee Statement Copy Retrieval Fee Credit Reference Letter Fee (1) Payment by Foreign Cheque / Cashier s Order Credit Balance Refund by Cashier s Order Foreign Currency Conversion HK$400 Charge Unless otherwise specified, the handling fee for cash withdrawal / fund transfers made at Hang Seng / HSBC ATMs / EPS payment is 2% of the transaction amount or HK$50 (whichever is higher) Withdrawal / transfer at ATMs other than those of Hang Seng and HSBC located in Hong Kong is subject to additional handling fee, maximum up to HK$31 If the Customer fails to make the Minimum Payment Amount on or before the Payment Due Date, a late charge of HK$200 or an amount equal to the Minimum Payment Amount (whichever is lower) will be levied each time. If the account s outstanding balance exceeds the credit limit by more than 10%, an overlimit fee of HK$150 per month will be levied A returned cheque handling fee of HK$120 will be charged once on the same statement if there is any returned cheque amount more than HK$120. Returned cheque handling fee will be waived if late charge is levied on the same statement. Free for statement issued within 3 months HK$50 per page for statement issued beyond 3 months HK$200 (local copy) / US$50 (foreign copy) HK$60 per cheque For payment made by cheque / cashier s order of Macau Banks, an additional 0.25% of cheque amount or HK$100 (whichever is higher) will be charged HK$35 per cashier s order All transactions effected by Revolving Loan Account in currencies other than Hong Kong Dollars shall be debited to the Revolving Loan Account after conversion into Hong Kong Dollars. For the transactions effected via the PLUS networks, the money withdrawn is first converted to US Dollars, and then to Hong Kong Dollars, at the daily exchange rates set by VISA and HSBC respectively, plus a 1% conversion charge. For the other networks, the money withdrawn is converted directly to Hong Kong Dollars at the daily exchange rates set by HSBC plus a 1% conversion charge Prime Rates HKD Prime Rate USD Prime Rate RMB Prime Rate 5.00% 4.50% 4.00% (1) Postage fee required for mailing to the relevant local / foreign institutions is included 5 This page has been revised since 29 December PPL489R42B (11/2014) (LT)

40 F. Integrated Account Services and Privileges Type of Integrated Accounts Charges (1) Prestige Banking For customer with a Total Relationship Balance (2) of HK$1,000,000 or above HK$500,000 HK$999,999 Below HK$500,000 HK$40 per month HK$340 per month Preferred Banking For customer with a Total Relationship Balance (2) of HK$200,000 or above HK$50,000 HK$199,999 Below HK$50,000 HK$26 per month HK$106 per month Integrated Account (3) For customer with a Total Relationship Balance (2) of HK$10,000 or above Below HK$10,000 HK$60 per month UpBiz Integrated Account For customer with a Total Relationship Balance (4) of HK$2,000,000 equivalent or above Or For customer with a Trade Turnover (5) of HK$1,000,000 equivalent or above Other HK$600 per month Integrated Business Solutions Account For customer with a Total Relationship Balance (4) of HK$50,000 equivalent or above Below HK$50,000 equivalent HK$180 per month (1) Monthly Fee will be charged on the 8th business day of each month based on the Total Relationship Balance in the previous month. (2) The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included. (3) Monthly Fee waiver will be given to Integrated Account customers aged under 18 and will be valid until the age of 21. If you select not to activate the current account upon opening your Integrated Account, the Total Relationship Balance (2) requirement of the Integrated Account will be HKD5,000 and the monthly fee is HKD50 if the account cannot meet the required Total Relationship Balance. The relevant current account no. may be shown in some service channels even though such current account has not been activated, but this account cannot be used for any transaction. If you would like to use the current account service of your Integrated Account, you may make application to reactivate the current account via Branch. However, the required Total Relationship Balance (2) will be resumed to HKD10,000 and monthly service fee is HKD60 if the account cannot meet the required Total Relationship Balance. (4) The Total Relationship Balance is the monthly aggregate balance of the daily average of customer's deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances and the outstanding balance of loans (except mortgage loan), trade finance and Hang Seng MPF Balance and the premium paid for the designated general insurance plans distributed by Hang Seng Bank as an agent for that month. (5) Trade Turnover is the average monthly total local import and export trade transaction amount performed by the customer with the Bank in the preceding three calendar months. 1 This page has been revised since 30 September PPL489R42B (11/2014) (LT)

41 F. Integrated Account Services and Privileges (cont d) Privileges Prestige Banking* Preferred Banking Green Banking Integrated Account Deposit, Remittances and Foreign Exchange Services (1) Gift Cheque Handling Charge Issuance of Cashier s Order Handling Charge (2) Repurchase of Cashier s Order Handling Charge Issuance of Demand Drafts Handling Charge Outward Remittance Handling Charge (3)(4) Setup of Standing Instructions Handling Charge (3) Amendment of Standing Instructions Handling Charge (3) Purchase/Sale of Foreign Currency Notes Handling Charge Foreign Currency Notes Deposits / Withdrawals Handling Charge (5) Inward Remittance Handling Charge (3) Inward CHATS Handling Charge (3) Setup of Direct Debit Authorisations Handling Charge (3) Coin Changing Charge Cheque Book(s) delivery by courier Service Charge (3) Safe Deposit Box A Rental Fee (6) HK$25 HK$50 HK$1 per sachet Firstyear waived HK$5 Firstyear waived HK$5 Firstyear waived Securities and Investment Funds Services Securities Custody Fee Free Realtime Stocks Quotes (7) Deposit Charge For Purchase Order for Local Securities Investment Fund Subscription Fee (8) 40% discount 1,000 per month 50% discount 2% discount for all funds managed by Hang Seng Investment Management Limited (Funds with subscription fee 5%: 2% discount Funds with subscription fee < 5%: 0.5% discount) 1,000 per month 1% discount for all funds managed by Hang Seng Investment Management Limited (Funds with subscription fee 5%: 1% discount) 500 per month 1% discount for all funds managed by Hang Seng Investment Management Limited (Funds with subscription fee 5%: 1% discount) 500 per month 1% discount for all funds managed by Hang Seng Investment Management Limited (Funds with subscription fee 5%: 1% discount) Advanced Switching Service with Preferential Subscription Fee (9) 2% subscription fee 2% subscription fee 2% subscription fee 2% subscription fee 2 This page has been revised since 1 January PPL489R42B (11/2014) (LT)

42 F. Integrated Account Services and Privileges (cont d) Privileges Prestige Banking Preferred Banking Green Banking Integrated Account Credit Card Services Priority approval (10) of Prestige Banking Platinum Card and up to three Supplementary Cards Priority approval (10) of Credit Card Renminbi Credit Card Perpetual Annual Fee Waiver (11) Perpetual Annual Fee Waiver (11) Perpetual Annual Fee Waiver (11) Perpetual Annual Fee Waiver (11) Perpetual Annual Fee Waiver (11) Lending Services Unsecured Overdraft Facility Annual Fee Personal Revolving Loan Annual Fee Perpetually Firstyear waived Firstyear waived Firstyear waived Firstyear waived Firstyear waived Firstyear waived Firstyear waived Remarks: Hang Seng Bank (the Bank ) reserves the right to suspend, vary or discontinue the above offers at any time without prior notice. In case of disputes, the decision of the Bank will be final. Investment involves risks. Investors should refer to relevant offering document of the relevant investment products before making any investment decision. Prices of investments (stocks, bonds and investment funds) may go up or down and may become worthless. (*) Selected customers from Prestige Banking can enjoy special privileges from Prestige Signature. Please refer to the corresponding marketing collateral for details. (1) Each customer can enjoy each complimentary banking service of a maximum of 10 times per month. (2) No privilege will be given to the issuance of Cashier s Order for the purpose of IPO subscription. (3) Privileges are not applicable to other nonprestige Banking / Preferred Banking / Green Banking / Integrated Account under the name of the same customer. (4) Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Banking by Personal ebanking to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch. Prestige Banking customer enjoys a privileged charge HK$220 for the nondomicile currency remittance via Integrated Account of Prestige Banking through Hang Seng branch to an account with a bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau. (5) Prestige Banking Customers (per Prestige Banking account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver Up to USD: 7,500 / JPY: 300,000 / Thai Baht: 20,000 / NZD: 2,000 / AUD, CAD, EUR, GBP: 1,500 / CHF, ZAR: 1,000 units in foreign currency. Other customers (per account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver Up to USD: 1,500 / JPY: 150,000 / Thai Baht: 10,000 / NZD: 2,000 / AUD, CAD: 1,500 / EUR, GBP: 1,000 / CHF, ZAR: 500 units in foreign currency. (6) Number of boxes is limited and the offer is subject to the availability of safe deposit boxes at each branch. Customers are required to pay the key deposit in full and full fee for the annual rental after the rental fee waiver period. During the valid period of the offer, customers who apply to rent more than one safe deposit box A will be entitled to enjoy the full or half waiver as appropriate on fees for each box. Customers must pay a handling fee of HK$100 for cancellation of each safe deposit box within the rental fee wavier period. (7) Prestige Banking Customers can enjoy 1,000 free quotes. Preferred Banking Customers can basically enjoy 500 free realtime quotes per month, and will enjoy extra 500 free quotes if there are holdings in their securities subaccount in that month. (8) Investment Fund subscription fee discount offer does not apply to funds with subscription fee below 5% (except funds managed by Hang Seng Investment Management Limited), fund units with no subscription fees (e.g. Class B Units), money market funds, capital guaranteed funds, fund subscriptions pursuant to a Monthly Investment Plan for Funds, via the Advanced Switching Service or Capital Guaranteed Fund Advance Reinvestment Service, or other funds/ fund transactions as specified by the Bank from time to time. This offer cannot be used in conjunction with other investment fund subscription fee offer(s) of the Bank. (9) Advanced Switching Service (the Service ) is provided by Hang Seng Bank Limited (the Bank ) and enables customers to use the advance made by the Bank to apply for subscription of units in another fund (the New Fund ) before redemption proceeds from the original fund (the Original Fund ) are deposited into their accounts, regardless of whether the New Fund and the Original Fund are managed by the same fund house, and to allow customers to repay the advanced amount with the redemption proceeds thereafter. Customers should be aware that they may have to provide separate moneys to repay all/part of the advanced amount made by the Bank to the customers for subscription for the New Fund, to bear the redemption fee (if applicable) for the redemption of the Original Fund, and to pay interest and other charge(s) charged by the Bank in certain circumstances. The Service is available to Prestige Banking, Preferred Banking and Integrated Account customers who apply for redemption of a fund with redemption proceeds(estimated by the Bank based on the latest available unit price of that fund) of not less than HKD100,000 (or any other amount as specified by the Bank from time to time) in one single transaction. And for any single fund subscription application via the Advanced Switching Service placed through Hang Seng Personal ebanking, the maximum subscription amount is HK$4,000,000 (or any other amount as specified by the Bank from time to time). The Service does not apply to capital guaranteed funds, fund units with no subscription fees (e.g. Class B Units), funds with a dealing frequency that is not daily, hedge funds or other funds as specified by the Bank from time to time. Funds in respect of which the Service is available may be changed from time to time without prior notice. Customers must read the full version of the Terms and Conditions stated in the application form for the Service before applying therefor. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Service and will be bound by them. Copies of the Terms and Conditions for the Service are available at branches of the Bank and can be downloaded from the website of the Bank. (10) The priority approval offer and the type of credit card eventually offered are subject to the final decision of the Bank. The Bank reserves the right to revoke this priority approval offer at its discretion without giving any reason therefor. (11) If customer holds more than one Hang Seng Credit Card, the Perpetual Annual Fee Waiver will be applicable to one of the credit cards with the highest annual fee only but will not be applicable to Hang Seng Visa Infinite, World MasterCard, Corporate Card, Business Card, Commercial Card, USD Visa Gold Card and Private Label Card. All annual fees paid prior to accepting this priority approval offer will not be refunded. 3 This page has been revised since 1 July PPL489R42B (11/2014) (LT)