Tariff and Charges for HSBC Products and Services Personal Commercial & Business

Transcription

1 Tariff and Charges for HSBC Products and Services Commercial & Business Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

2 Tariff and charges for HSBC products and services Contents P Commercial & Business Commercial & Business P Premier 2. Premier Junior Savings 1. Basic Current 14. Foreign Currency s 1. Business s 2. Foreign Currency s. EasiGrow 1. Emergency. 4. Premier PLUS Plan. 4. Channels Related Services. Advance.. Remittance & Payment Services 6. Advance with EasiGrow 7. Advance PLUS Plan. 1. Payment Services - Local / Foreign Currency Draft. Payment Services - 6. Cross Border Opening 7. Import Services. Export Services 9. Passbook Saving. 9. Other Services. Basic Savings. Time Deposit. Generic Current. Credit Cards 22. Cross Border Opening 2. Credit History Transfer. Business Credit Card. Corporate Card page 2 main next Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

3 1 Premier Savings EasiGrow 1. Premier Fee Fee } RM10 per month (The account fee for Premier customers may be waived if the fee waiver criteria set are met) } RM19 (The account fee for Premier customers may be waived if the fee waiver criteria set are met) Advance EasiGrow 7 Advance PLUS Plan 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 Basic Current 24 Generic Current [Individual Opening Transaction Charges Dormant a) Cash withdrawal at MasterCard Cirrus/Visa ATM networks b) Cash withdrawals at overseas HSBC Group ATMs c) Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered) d) MEPS InterBank Fund Transfer (IBFT) at ATMs - First successful transactions each month - 4th and subsequent transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs e) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM c) Transfer of credit balances to Registrar Of Unclaimed Monies on the 7 th year of account dormancy d) Activation of Dormant } RM per transaction } RM.60 per transaction } RM1 per transaction } RM1 per transaction } Free } RM4 per transaction } RM1 per transaction } RM 0.0 per transaction } RM 0.2 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } Free Waived Waived } RM4.24 per transaction } RM1.06 per transaction } will be closed and these balances (GST inclusive) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

4 1 Premier Savings EasiGrow Advance EasiGrow 7 Advance PLUS Plan 1. Premier Cheque Related Fees and Charges a) Inward Clearing Cheque - Processing Fee i. Before 2nd January 1 ii. With effect from 2nd January 1 *Exception for cheque return reasons below:- i. Cheque Already Paid /Duplicate Payment ii. Wrongly encoded/ Encoding error iii. Incorrect Data Capture FEES & CHARGES Not Applicable RM0.0 per cheque FEES & CHARGES Not Applicable RM0. per cheque leaf 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 Basic Current 24 Generic Current [Individual Opening Standing Instructions (SI) b) Cheque Book Issuance i. Stamp duty ii. Courier Charges c) Stop Payment Instruction on Cheque i. ii. funds d) Cheques Returned funds ii. Due to reason Post-dated e) House Cheque i. Cheque by Payee in Person ii. Processing Fee (Effective 2 nd January 1) f) Deposit of Foreign Cheque/Draft i. Commission on cheques issued ii. Stamp duty iii. Other charges iv. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC RM0.1 per cheque leaf RM RM per cheque RM0 per cheque RM0 per cheque RM per cheque RM2 per cheque RM0.0 per cheque 0.1% of cheque amount Minimum charge: RM Maximum charge: RM0 RM0.1 per cheque Paying Bank s charges RM46 per cheque RM1.0 per cheque Waived Waived RM0.1 per cheque leaf RM.0 RM. per cheque RM6 per cheque RM0 per cheque RM per cheque RM2. per cheque RM0. per cheque 0.6% of cheque amount Minimum charge: RM.60 Maximum charge: RM6.00 RM0.1 per cheque Paying Bank s charges RM4.76 per cheque RM1.9 per cheque Waived Waived 2 Credit History Transfer 6 page 4 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

5 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6 1. Premier Standing Instructions (SI) Other Fees, Charges or Penalties Other Services c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2 nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for insufficient funds in the a) closed within months b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip/Debit Card e) Short Message Service (SMS) f) Conversion for Overseas Transaction g) Sales draft retrieval request fee a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old b) Electronic Share Application c) Internet Banking i. Replacement of Security Device ii. Postage } RM2 per Demand Draft } RM1.0 per Demand Draft } RM0.0 per Demand Draft } RM2 to RM4 per payment depending on destination } RM } RM } If the Cardholder uses the } If the Cardholder uses the Debit Card for transactions in Debit Card for transactions in a currency other than Ringgit a currency other than Ringgit Malaysia, such amount shall Malaysia, such amount shall be converted at the exchange be converted at the exchange rate as determined by Visa rate as determined by Visa International, as the case International, as the case may be, on the date of may be, on the date of conversion in addition to a conversion in addition to a foreign currency conversion foreign currency conversion cost of 1.00% as well as any cost of 1.00% as well as any transaction fee charged by transaction fee charged by Visa International Visa International } RM per copy } RM. per copy } RM2 per page } RM per request + RM2 per page } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM2. per Demand Draft } RM1.9 per Demand Draft } RM0. per Demand Draft } RM26.0 to RM47.70 per payment depending on destination } USD per payment } USD. per payment } RM per transaction } RM per transaction } RM2. per page } RM. per request + RM2. per page } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

6 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Premier Junior Savings Transaction Charges Dormant a) Cash withdrawal at MasterCard Cirrus/Visa ATM networks b) Cash withdrawals at overseas HSBC Group ATMs c) Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered) d) MEPS InterBank Fund Transfer (IBFT) at ATMs - First successful transactions each month - 4th and subsequent transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs e) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM c) Transfer of credit balances to Registrar Of Unclaimed Monies on the 7 th year of account dormancy d) Activation of Dormant } RM per transaction } RM.60 per transaction } RM1 per transaction } RM1 per transaction } Free } RM4 per transaction } Free } RM4.24 per transaction } RM1 per transaction } RM1.06 per transaction } RM 0.0 per transaction } RM 0.2 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies 4 Opening 2 Credit History Transfer 6 page 6 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

7 1 Premier Savings Advance EasiGrow EasiGrow 7 Advance PLUS Plan 2. Premier Junior Savings Cheque Related Fees and Charges a) Deposit of Foreign Cheque/Draft i. Commission on cheques issued ii. Stamp duty iii. Other charges iv. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts } 0.1% of cheque amount Minimum charge: RM Maximum charge: RM0 } RM0.1 per cheque } Paying Bank s charges } RM46 per cheque } RM1.0 per cheque } 0.6% of cheque amount Minimum charge: RM.60 Maximum charge: RM6.00 } RM0.1 per cheque } Paying Bank s charges } RM4.76 per cheque } RM1.9 per cheque 1 Basic Savings 1 Time Deposit Generic Current 1 s 1 Emergency 2 1 Basic Current 24 [Individual Opening 2 Credit History Transfer 6 Standing Instructions (SI) Other Fees, Charges or Penalties a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2 nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for insufficient funds in the a) closed within months b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip/Debit Card Waived Waived } RM2 per Demand Draft } RM1.0 per Demand Draft } RM0.0 per Demand Draft } RM2 to RM4 per payment depending on destination } RM2. per Demand Draft } RM1.9 per Demand Draft } RM0. per Demand Draft } RM26. to RM47.70 per payment depending on destination } USD per payment } USD. per payment } RM per transaction } RM per transaction } RM } RM page 7 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

8 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency EasiGrow 7 Advance PLUS Plan Generic Current Basic Current 24 [Individual Premier Junior Savings Other Fees, Charges or Penalties Other Services e) Conversion for Overseas Transaction f) Sales draft retrieval request fee. EasiGrow Closure Fee Premature Closure Fee 4. Premier PLUS Plan EasiGrow Closure Fee a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old b) Electronic Share Application c) Internet Banking i. Replacement of Security Device ii. Postage Premature Closure Fee } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM per copy } RM2 per page } RM per request + RM2 per page } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM0 } RM0 } RM0 } RM0 } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM. per copy } RM2. per page } RM. per request + RM2. per page } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) Opening 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

9 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Advance Fee Transaction Charges Transaction Charges Global Transfer Fee Dormant a) With balances up to RM b) With balances greater than RM a) Advance } RM per month (The account fee for the Advance customers may be waived if the fee waiver criteria set are met) a) Cash withdrawals at Visa/Plus ATM Network b) Cash withdrawals at overseas HSBC Group ATMs c) Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered d) Over-The-Counter (OTC) transaction e) MEPS InterBank Fund Transfer (IBFT) at ATMs - First 2 successful transactions each month - rd and subsequent transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs f) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) Me2Me Transfer via Internet Banking c) Transfer of credit balances to Registrar Of Unclaimed Monies on the 7 th year of account dormancy d) Activation of Dormant } Free } RM4 per transaction } RM1 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } RM per transaction } RM.60 per transaction } RM per transaction } RM.0 per transaction } RM1 per transaction } RM1 per transaction } RM.60 per month (The account fee for the Advance customers may be waived if the fee waiver criteria set are met) } Free } RM4.24 per transaction } RM1.06 per transaction } RM 0.0 per transaction } RM 0.2 per transaction } RM22 (equivalent USD7) } RM2.2 (equivalent USD7) } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies page 9 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

10 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Advance Cheque Related Fees and Charges Standing Instructions (SI) a) Inward Clearing Cheque - Processing Fee i. Before 2nd January 1 ii. With effect from 2nd January 1 *Exception for cheque return reasons below:- i. Cheque Already Paid /Duplicate Payment ii. Wrongly encoded/ Encoding error iii. Incorrect Data Capture b) Cheque Book Issuance i. Stamp duty ii. Courier Charges c) Stop Payment Instruction on Cheque i. With sufficient funds ii. With insufficient funds d) Cheques Returned i. Due to insufficient funds ii. Due to reason Post-dated e) Deposit of Foreign Cheque/Draft i. Commission on cheques issued ii. Stamp duty iii. Other charges iv. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2 nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges } Not applicable } RM0.0 per cheque } RM0.1 per cheque leaf } RM per cheque } RM per cheque } RM0 per cheque } RM0 per cheque } RM per cheque borne by payee } 0.1% of cheque amount } RM0.1 per cheque } Paying Bank s charges } RM46 per cheque } RM1.0 per cheque } RM2 per Demand Draft } RM1.0 per Demand Draft } RM0.0 per Demand Draft } RM2 to RM4 per payment depending on destination } Not applicable } RM0. per cheque } RM0.1 per cheque leaf } RM.0 per cheque } RM. per cheque } RM6 per cheque } RM0 per cheque } RM per cheque } 0.6% of cheque amount } RM0.1 per cheque } Paying Bank s charges } RM4.76 per cheque } RM1.9 per cheque } RM2. per Demand Draft } RM1.9 per Demand Draft } RM0. per Demand Draft } RM26.0 to RM47.70 per payment depending on destination e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges } USD per payment } USD. per payment page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

11 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Advance Standing Instructions (SI) Other Fees, Charges or Penalties Other Services e) Short Message Service (SMS) f) Paper Statement g) Replacement of Debit Card h) Conversion for Overseas Transaction i) Sales draft retrieval request fee 6. Advance with EasiGrow Closure Fee Premature Closure Fee 7. Advance PLUS Plan EasiGrow Closure Fee f) Penalty charges for insufficient funds in the a) closed within months b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip Card a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old b) Electronic Share Application c) Internet Banking i. Replacement of Security Device ii. Postage Premature Closure Fee } RM } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM per copy } RM2 per page } RM per request + RM2 per page } RM per transaction } RM per transaction } RM } RM } RM } RM.4 } RM } RM.4 } RM } RM } RM } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM0 } RM0 } RM0 } RM0 } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM. per copy } RM2. per page } RM. per request + RM2. per page } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

12 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Fee Transaction Charges Dormant Fee a) For average credit balance of more than RM,000 per month i. ATM Cash Withdrawal ii. Cash withdrawals at Visa/PLUS ATM Network iii. Cash withdrawals at overseas HSBC Group ATMs iv. Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered) b) For average credit balance of less than RM,000 per month i. ATM Cash Withdrawal (if exceeding 4 transactions per month) ii. Cash withdrawals at Visa/PLUS ATM Network iii. Cash withdrawals at overseas HSBC Group ATMs iv. Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered) c) MEPS InterBank Fund Transfer (IBFT) at ATMs - All transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs d) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM } RM per transaction } RM per transaction } RM1 per transaction } RM4 per transaction } RM per transaction } RM per transaction } RM1 per transaction } RM4 per transaction } RM1 per transaction } RM 0.0 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } RM.60 per transaction } RM.0 per transaction } RM1.00 per transaction } RM4.24 per transaction } RM.60 per transaction } RM.0 per transaction } RM1 per transaction } RM4.24 per transaction } RM1.06 per transaction } RM 0.2 per transaction } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

13 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Dormant Cheque Clearance Standing Instructions (SI) Other Fees, Charges or Penalties c) Transfer of credit balances to Registrar Of Unclaimed Monies on the 7 th year of account dormancy d) Activation of Dormant a) Deposit of Foreign Cheque/Draft i. Stamp duty ii. Other charges iii. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for insufficient funds in the a) closed within months b) Loss of Passbook b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip Card e) Short Message Service (SMS) f) Replacement of Debit Card } RM0.1 per cheque } Paying Bank s charges } RM46 per cheque } RM1.0 per cheque } RM2 per transaction } RM2 per Demand Draft } RM1.0 per Demand Draft } RM0.0 per Demand Draft } RM2 to RM4 per payment depending on destination } RM0.1 per cheque } Paying Bank s charges } RM4.7 per cheque } RM1.9 per cheque } RM2. per transaction } RM2. per Demand Draft } RM1.9 per Demand Draft } RM0. per Demand Draft } RM26.0 to RM47.70 per payment depending on destination } USD per payment } USD. per payment } RM per transaction } RM per transaction } RM } RM } RM (stamp duty on } RM (stamp duty on letter letter of Indemnity - RM) of Indemnity - RM } RM } RM.4 } RM } RM.4 } RM } RM } RM1 per month for those customers who sign up } RM } RM1.06 per month for those customers who sign up } RM page 1 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

14 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency EasiGrow 7 Advance PLUS Plan Generic Current Basic Current 24 [Individual 2. Other Fees and Charges Other Services g) Conversion for Overseas Transaction h) Sales draft retrieval request fee a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old b) Electronic Share Application c) Internet Banking i. Replacement of Security Device ii. Postage } If the Cardholder uses the } If the Cardholder uses the Debit Card for transactions in Debit Card for transactions in a currency other than a currency other than Ringgit Malaysia, such Ringgit Malaysia, such amount shall be converted at amount shall be converted at the exchange rate as the exchange rate as determined by Visa determined by Visa International, as the case International, as the case may be, on the date of may be, on the date of conversion in addition to a conversion in addition to a foreign currency conversion foreign currency conversion cost of 1.00% as well as any cost of 1.00% as well as any transaction fee charged by transaction fee charged by Visa International Visa International } RM per copy } RM2 per page } RM per request + RM2 per page } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM. per copy } RM2. per page } RM. per request + RM2. per page } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) Opening 2 Credit History Transfer 6 page 14 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

15 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Passbook Saving Fee Transaction Charges Dormant This product is no longer offered to new Savings opened from 02 APR 01 onwards Fee a) For average credit balance of more than RM,000 per month i. ATM Cash Withdrawal ii. Cash withdrawals at HOUSe ATM Network* - (HSBC, OCBC, UOB and Standard Chartered) b) For average credit balance of less than RM,000 per month i. ATM Cash Withdrawal (if exceeding 4 transactions per month) ii. Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered) c) MEPS InterBank Fund Transfer (IBFT) at ATMs - All transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs d) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM RM per month } RM1 per transaction } RM1 per transaction } RM1 per transaction } RM4 per transaction } RM1 per transaction } RM 0.0 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies RM.0 per month } RM1 per transaction } RM1.06 per transaction } RM1 per transaction } RM4.24 per transaction } RM1.06 per transaction } RM 0.2 per transaction } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies Opening 2 Credit History Transfer 6 c) Transfer of credit balances to Registrar Of Unclaimed Monies on the 7 th year of account dormancy d) Activation of Dormant page 1 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

16 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6 9. Passbook Saving Cheque Clearance Standing Instructions (SI) Other Fees, Charges or Penalties a) Deposit of Foreign Cheque/Draft i. Stamp duty ii. Other charges iii. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2 nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for insufficient funds in the a) closed within months b) Loss of Passbook c) ATM Chip/Debit Card Card issuance d) ATM Chip/Debit Card Annual Fee e) Replacement of ATM Chip Card f) Short Message Service (SMS) g) Replacement of Debit Card } RM0.1 per cheque } Paying Bank s charges } RM46 per cheque } RM1.0 per cheque } RM2 per transaction } RM2 per Demand Draft } RM1.0 per Demand Draft } RM0.0 per Demand Draft } RM2 to RM4 per payment depending on destination } RM0.1 per cheque } Paying Bank s charges } RM4.7 per cheque } RM1.9 per cheque } RM2. per transaction } RM2. per Demand Draft } RM1.9 per Demand Draft } RM0. per Demand Draft } RM26.0 to RM47.70 per payment depending on destination } USD per payment } USD. per payment } RM per transaction } RM per transaction } RM } RM } RM (stamp duty on letter of Indemnity - RM) } RM } RM.4 } RM } RM.4 } RM } RM1 per month for those customers who sign up } RM } RM (stamp duty on letter of Indemnity - RM } RM } RM1.06 per month for those customers who sign up } RM page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

17 1 Premier Savings Advance EasiGrow 1 EasiGrow 7 Advance PLUS Plan Basic Savings 1 Time Deposit 9. Passbook Saving Other Fees and Charges Other Services h) Conversion for Overseas Transaction i) Sales draft retrieval request fee a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM per copy } RM2 per page } RM per request + RM2 per page } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM. per copy } RM2. per page } RM. per request + RM2. per page Generic Current b) Electronic Share Application } RM2.0 per transaction } RM2.6 per transaction 1 s 1 Emergency Basic Current 24 [Individual 2 c) Internet Banking i. Replacement of Security Device ii. Postage } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) Opening 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

18 1 Premier Savings Advance EasiGrow EasiGrow 7 Advance PLUS Plan. Basic Savings Fee Transaction Charges Fee a) ATM Cash Withdrawal (if exceeding transactions per month) b) Self-service deposits c) Cash withdrawals at MasterCard Cirrus/Visa ATM Network d) Cash withdrawals at overseas HSBC Group ATMs e) Cash withdrawals at HOUSe ATM Network* - (HSBC, OCBC, UOB and Standard Chartered) } RM1 per transaction } RM per transaction } RM per transaction } RM1 per transaction } RM1.06 per transaction } RM.60 per transaction } RM.0 per transaction } RM1 per transaction 1 Basic Savings 1 Time Deposit Generic Current 1 s 1 Emergency Basic Current 24 [Individual Transaction Charges Dormant f) MEPS InterBank Fund Transfer (IBFT) at ATMs - All transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs g) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM c) Activation of Dormant } RM4 per transaction } RM1 per transaction } RM 0.0 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } RM4.24 per transaction } RM1.06 per transaction } RM 0.2 per transaction } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies Opening 2 Credit History Transfer 6 Cheque Clearance a) Deposit of Foreign Cheque/Draft i. Stamp duty ii. Other charges iii. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts } RM0.1 per cheque } Paying Bank s charges } RM46 per cheque } RM1.0 per cheque } RM0.1 per cheque } Paying Bank s charges } RM4.76 per cheque } RM1.9 per cheque page 1 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

19 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Basic Savings Standing Instructions (SI) Other Fees and Charges a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2 nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for insufficient funds in the a) closed within months b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip Card e) Short Message Service (SMS) f) Replacement of Debit Card g) Conversion for Overseas Transaction h) Sales draft retrieval request fee } RM2 per transaction } RM2 per Demand Draft } RM1.0 per Demand Draft } RM0.0 per Demand Draft } RM2 to RM4 per payment depending on destination } RM2 per transaction } RM2. per transaction } RM2. per transaction } RM2. per Demand Draft } RM1.9 per Demand Draft } RM0. per Demand Draft } RM26.0 to RM47.70 per payment depending on destination } USD per payment } USD. per payment } RM per transaction } RM per transaction } RM } RM } RM } RM } RM1 per month for those customers who sign up } RM } RM1.06 per month for those customers who sign up } RM } If the Cardholder uses the } If the Cardholder uses the Debit Card for transactions in Debit Card for transactions in a currency other than a currency other than Ringgit Malaysia, such Ringgit Malaysia, such amount shall be converted at amount shall be converted the exchange rate as at the exchange rate as determined by Visa determined by Visa International, as the case International, as the case may be, on the date of may be, on the date of conversion in addition to a conversion in addition to a foreign currency conversion foreign currency conversion cost of 1.00% as well as any cost of 1.00% as well as transaction fee charged by any transaction fee charged Visa International by Visa International } RM per copy } RM. per copy page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

20 1 Premier Savings Advance EasiGrow 1 EasiGrow 7 Advance PLUS Plan Basic Savings 1 Time Deposit Generic Current. Basic Savings Other Services a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old c) Internet Banking i. Replacement of Security Device ii. Postage b) Electronic Share Application. Time Deposit Time Deposit Advice a) Copy of Customer Request Time Deposit Advice } RM2 per page } RM per request + RM2 per page } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM2. per page } RM. per request + RM2. per page } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM2.0 per transaction } RM2.6 per transaction } RM per copy } RM.0 per copy 1 Basic Current 24 s 1 Emergency [Individual Opening 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

21 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Generic Current Fee Fee } RM per month (if average credit balance is less than RM,000 per month) Transaction Charges Dormant a) For average credit balance of more than RM,000 per month i. ATM Cash Withdrawal ii. Clearing Cheque Debit iii. Cash withdrawals at HOUSe ATM Network* - (HSBC, OCBC, UOB and Standard Chartered) b) For average credit balance of less than RM,000 per month i. ATM Cash Withdrawal (if exceeding 4 transactions per month) ii. Clearing Cheque Debit (if exceeding 4 transactions per month) ii. Cash withdrawals at HOUSe ATM Network - (HSBC, OCBC, UOB and Standard Chartered) c) MEPS InterBank Fund Transfer (IBFT) at ATMs - All transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs d) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM } RM1 per transaction } RM1 per transaction } RM1 per transaction } RM1 per transaction } RM4 per transaction } RM.0 per month (if average credit balance is less than RM,000 per month) } RM1 per transaction } RM1.06 per transaction } RM1.06 per transaction } RM1 per transaction } RM4.24 per transaction } RM1 per transaction } RM1.06 per transaction } RM 0.0 per transaction } RM 0.2 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

22 1 Premier Savings EasiGrow. Generic Current Dormant c) Transfer of credit balances to Registrar Of Unclaimed Monies on the 7 th year of account dormancy d) Activation of Dormant FEES & CHARGES Waived Waived FEES & CHARGES Waived Waived Advance EasiGrow 7 Advance PLUS Plan 1 Basic Savings 1 Cheque Related Fees and Charges a) Inward Clearing Cheque - Processing Fee i. Before 2nd January 1 ii. With effect from 2nd January 1 *Exception for cheque return reasons below:- i. Cheque Already Paid /Duplicate Payment ii. Wrongly encoded/ Encoding error iii. Incorrect Data Capture Not applicable RM0.0 per cheque Not applicable RM0. per cheque Time Deposit Generic Current 1 s 1 Emergency 2 1 Basic Current 24 [Individual 2 0 Standing Instructions (SI) b) Cheque Book Issuance i. Stamp duty ii. Courier Charges c) Stop Payment Instruction on Cheque i. ii. funds d) Cheques Returned funds ii. Due to reason Post-dated e) Deposit of Foreign Cheque/Draft i. Commission on cheques issued ii. Stamp duty iii. Other charges iv. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts a) Payment to HSBC Housing Loan/Credit Card RM0.1 per cheque leaf RM RM per cheque RM0 per cheque RM0 per cheque RM per cheque borne by payee 0.1% of cheque amount RM0.1 per cheque Paying Bank s charges RM46 per cheque RM1.0 per cheque Waived RM0.1 per cheque leaf RM.0 RM. per cheque RM6 per cheque RM0 per cheque RM per cheque 0.6% of cheque amount RM0.1 per cheque Paying Bank s charges RM4.76 per cheque RM1.9 per cheque Waived 1 b) Payment into other HSBC RM2 per transaction RM2. per transaction 4 Opening 2 Credit History Transfer 6 c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 1 st April 14) RM2 per transaction RM2 per Demand Draft RM1.0 per Demand Draft RM0.0 per Demand Draft RM2. per transaction RM2. per Demand Draft RM1.9 per Demand Draft RM0. per Demand Draft page 22 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

23 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6. Generic Current Standing Instructions (SI) Other Fees, Charges or Penalties Other Services d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for insufficient funds in the a) closed within months b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip Card e) Short Message Service (SMS) f) Replacement of Debit Card g) Conversion for Overseas Transaction h) Sales draft retrieval request fee a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old b) Electronic Share Application c) Internet Banking i. Replacement of Security Device ii. Postage } RM2 to RM4 per payment depending on destination } USD per payment } RM per transaction } RM } RM } RM } RM.4 } RM } RM.4 } RM } RM } RM1 per month for those customers who sign up } RM } RM26.0 to RM47.70 per payment depending on destination } USD. per payment } RM per transaction } RM1.06 per month for those customers who sign up } RM } If the Cardholder uses the } If the Cardholder uses the Debit Card for transactions in Debit Card for transactions in a currency other than a currency other than Ringgit Malaysia, such Ringgit Malaysia, such amount shall be converted at amount shall be converted the exchange rate as at the exchange rate as determined by Visa determined by Visa International, as the case International, as the case may be, on the date of may be, on the date of conversion in addition to a conversion in addition to a foreign currency conversion foreign currency conversion cost of 1.00% as well as any cost of 1.00% as well as transaction fee charged by any transaction fee charged Visa International by Visa International } RM per copy } RM. per copy } RM2 per page } RM per request + RM2 per page } RM2. per page } RM. per request + RM2. per page } RM2.0 per transaction } RM2.6 per transaction } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) page 2 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

24 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6 1. Basic Current Fee Fee } RM per half year (if average credit balance of less than RM1,000 is maintained during the half year) Transaction Charges a) ATM Cash Withdrawal } RM1 per transaction (if exceeding transactions per month) Dormant Cheque Related Fees and Charges b) Self-service deposits c) Cash withdrawals at MasterCard Cirrus/Visa ATM Network d) Cash withdrawals at overseas HSBC Group ATMs e) Cash withdrawals at HOUSe ATM Network* - (HSBC, OCBC, UOB and Standard Chartered) f) MEPS InterBank Fund Transfer (IBFT) at ATMs - All transactions (*) Transactions* include: Interbank Cash Withdrawal Interbank Funds Transfer Interbank Credit Card Repayment Interbank Loan/ Repayment HSBC ATMs g) InterBank Giro Fund Transfer (IBG) at HSBC ATMs a) With balances up to RM b) With balances greater than RM c) Activation of Dormant a) Inward Clearing Cheque - Processing Fee i. Before 2nd January 1 ii. With effect from 2nd January 1 *Exception for cheque return reasons below:- i. Cheque Already Paid /Duplicate Payment ii. Wrongly encoded/ Encoding error iii. Incorrect Data Capture } RM per transaction } RM per transaction } RM1 per transaction } RM4 per transaction } RM1 per transaction } RM 0.0 per transaction } will be closed and these balances will be absorbed by the Bank as a charge } An annual service fee of RM will be charged until the remaining balances are sent to Unclaimed Monies } RM.60 per half year (if average credit balance of less than RM1,000 is maintained during the half year) } RM1.06 per transaction } Not applicable } RM0.0 per cheque } RM.60 per transaction } RM.0 per transaction } RM1 per transaction } RM4.24 per transaction } RM1.06 per transaction } RM 0.2 per transaction } will be closed and these balances (including any GST) will be absorbed by the Bank as a charge } An annual service fee of RM.60 will be charged until the remaining balances are sent to Unclaimed Monies } Not applicable } RM0. per cheque page 24 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

25 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 1. Basic Current Cheque Related Fees and Charges Standing Instructions (SI) b) Cheque Book Issuance i. Stamp duty ii. Courier Charges c) Stop Payment Instruction on Cheque i. ii. funds d) Cheques Returned funds ii. Due to reason Post-dated e) Deposit of Foreign Cheque/Draft i. Commission on cheques issued ii. Stamp duty iii. Other charges iv. Postage Charges - Draft/Cheque above USD,000 (denominated in USD only) - All other currencies and amounts a) Payment to HSBC Housing Loan/Credit Card b) Payment into other HSBC c) Payment to non-hsbc s in Malaysia i. SI Commission ii. Demand Draft Issued iii. Postage iv. Processing Fee (Effective 2 nd January 1) d) Payments to individuals/ entities outside Malaysia via : - i. Commission/postage/ cable charges e) Payments to individuals/ entities outside Malaysia via (in US Dollars) i. Intermediary Bank charges f) Penalty charges for FEES & CHARGES RM0.1 per cheque leaf RM RM per cheque RM0 per cheque RM0 per cheque RM per cheque borne by payee 0.1% of cheque amount Minimum charge: RM Maximum charge: RM0 RM0.1 per cheque Paying Bank s charges RM46 per cheque RM1.0 per cheque Waived RM2 per transaction RM2 per transaction RM2 per Demand Draft RM1.0 per Demand Draft RM0.0 per Demand Draft RM2 to RM4 per payment depending on destination USD per payment RM per transaction FEES & CHARGES RM0.1 per cheque leaf RM.0 RM. per cheque RM6 per cheque RM0 per cheque RM per cheque 0.6% of cheque amount Minimum charge: RM.60 Maximum charge: RM6 RM0.1 per cheque Paying Bank s charges RM4.76 per cheque RM1.9 per cheque Waived RM2. per transaction RM2. per transaction RM2. per Demand Draft RM1.9 per Demand Draft RM0. per Demand Draft RM26.0 to RM47.70 per payment depending on destination USD. per payment RM per transaction 2 Credit History Transfer 6 page 2 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

26 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Basic Current Other Fees and Charges Other Services a) closed within months b) ATM Chip/Debit Card issuance c) ATM Chip/Debit Card Annual Fee d) Replacement of ATM Chip Card e) Short Message Service (SMS) f) Replacement of Debit Card g) Conversion for Overseas Transaction h) Sales draft retrieval request fee a) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old b) Internet Banking i. Replacement of Security Device ii. Postage c) Electronic Share Application } RM } RM } RM } RM } RM1 per month for those customers who sign up } RM } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM per copy } RM2 per page } RM per request + RM2 per page } RM0 per device } RM - RM (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM1.06 per month for those customers who sign up } RM } If the Cardholder uses the Debit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International } RM. per copy } RM2. per page } RM. per request + RM2. per page } RM per device } RM.0 - RM.60 (within Malaysia) Relevant courier or registered mail charges apply (outside Malaysia) } RM2.0 per transaction } RM2.6 per transaction 1 4 Opening 2 Credit History Transfer 6 page 26 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

27 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer Foreign Currency s Foreign Currency a) Annual Fees s b) Maintenance Fee 1. Emergency Emergency c) Transaction Charges* - Transactions made involving the same foreign currency denomination (eg AUD to AUD). d) Other Fees and Charges i. Penalty charges Pre-mature upliftment of Time Deposits e) Bank Statement Retrieval i. If statement is months old or less ii. If statement is more than months old HSBC Group offices customer requesting emergency encashment from HSBC Malaysia } RM0 to be collected on anniversary date } RM per month (if aggregate balance is less than RM,000 as equivalent) Per Currency Type Transaction USD USD4 GBP GBP AUD AUD6 JPY JPY0 SGD SGD6 EUR EUR4 BND BND6 CHF CHF6 HKD HKD0 CAD CAD6 NZD NZD6 * Please take note that the Transaction Charges herein excludes other charges related to different types of Remittance and Payment Services such as Local / Foreign Currency Draft, and Traveller s Cheque. } No interest payable in completed periods } All replacement costs to be borne by customers } RM2 per page } RM per request + RM2 per page } USD per request* * Effective 01 November 07 Waived for Premier customers } RM6 to be collected on anniversary date } RM.60 per month (if aggregate balance is less than RM,000 as equivalent) Per Currency Type Transaction USD USD4.24 GBP GBP.1 AUD AUD6.6 JPY JPY424 SGD SGD6.6 EUR EUR4.24 BND BND6.6 CHF CHF6.6 HKD HKD1.0 CAD CAD6.6 NZD NZD6.6 * Please take note that the Transaction Charges herein excludes other charges related to different types of Remittance and Payment Services such as Local / Foreign Currency Draft, and Traveller s Cheque. } No interest payable in completed periods } All replacement costs to be borne by customers } RM2. per page } RM. per request + RM2. per page page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

28 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6..1 Monthly Service Fee Default in repayment or over utilisation of facility limit Early Settlement Charges within Lock-in Period Retrieval / Photocopy of Security Documents Redemption Statement Fee Confirmation Letter for Withdrawal from the Employee Provident Fund (EPF).2 Business Premises [Individual Default in repayment or over utilisation of facility limit Early Settlement Charges within Lock-in Period Retrieval / Photocopy of Security Documents Redemption Statement Fee Confirmation Letter for Withdrawal from the Employee Provident Fund (EPF). Unutilised Overdraft (OD) Facility Retrieval / Photocopy of Security Documents Monthly Service Fee (Applicable for HomeSmart Facility only) Default in repayment or over utilisation of facility limit Retrieval / Photocopy of Security Documents Issuance of redemption statement With document Without document Default in repayment or over utilisation of facility limit Retrieval / Photocopy of Security Documents Issuance of redemption statement With document Without document Unutilised Overdraft (OD) Facility: - Commitment fees (applicable to personal OD facility with limit above RM,000) Retrieval / Photocopy of Security Documents } RM } 1% per annum on instalment amount in arrears or amount over utilised on daily rest basis } (2% X Facility Amount X Number of remaining months within the Lock-in Period) / Total Lock-in Period in months } 1% per annum on instalment amount in arrears or amount over utilised on daily rest basis } (2% X Facility Amount X Number of remaining months within the Lock-in Period) / Total Lock-in Period in months } Maximum 1% of the unutilised portion } 1% per annum on instalment amount in arrears or amount over utilised on daily rest basis } (2% X Facility Amount X Number of remaining months within the Lock-in Period) / Total Lock-in Period in months } RM per document } RM.60 per document } RM0 per account per request basis } RM per document and maximum RM } Nil } RM.60 } 1% per annum on instalment amount in arrears or amount over utilised on daily rest basis } (2% X Facility Amount X Number of remaining months within the Lock-in Period) / Total Lock-in Period in months } RM per document } RM.60 per document } RM0 per account per request basis } RM per document and maximum RM } Nil } RM per account per request basis } RM.60 per document and maximum RM. } Nil } RM per account per request basis } RM.60 per document and maximum RM. } Nil } Maximum 1% of the unutilised portion } RM per document } RM.60 per document page 2 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

29 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6 1. Payment Services - Local Purchase of local draft a) Purchase of local draft via application form i. Same day collection ii. Next day collection iii. Processing Fee b) Purchase of local draft via: i. Telebanking ii. Internet Banking iii. Processing Fee Cancellation / Repurchase of local draft Purchase of Foreign Currency Demand Draft (DD) of Demand Draft (DD) Cancellation of Foreign Currency Demand Draft (DD) MEPS Interbank Giro a) Cancellation / Repurchase of local draft (except for MIDF/MIH new share issue) a) Up to RM,000 equivalent - Same day collection i. Processing Fee b) Above RM,000 equivalent - Same day collection i. Processing Fee c) Paying Bank Charges: i. ZAR DD ii. CAD DD iii. CHF DD iv. EUR DD Drawn in Spain v. AUD DD of Value: - Up to AUD99 - AUD0 - AUD499 - AUD00 - AUD4,999 - AUD,000 - AUD9,999 - AUD,000 and above vi. Processing Fee a) of Demand Draft (DD): i. RM DD ii. FCY DD MEPS Interbank Giro a) Via Internet / Mobile Banking Premier and Advance Basic Savings Basic Current account Amanah Basic Savings -i Amanah Basic Current -i } RM per draft } RM2 per draft } RM0.0 per draft } RM2 per draft } RM2 per draft } RM0.0 per draft } RM.0 per draft } RM2. per draft } RM0. per draft } RM2 per draft } RM2. per draft } RM2 per draft } RM per draft } RM0.0 per draft } RM per draft } RM0.0 per draft } RM per draft } RM1.0 per draft } RM per draft } RM per draft } RM1 per draft } RM2 per draft } RM per draft } RM per draft } RM per draft } RM0.0 per draft } RM per draft } RM per draft } RM0 (cable) + RM (commission) + RM (stamp duty) } RM0. } RM0. } RM0. } RM0. } RM2. per draft } RM2. per draft } RM0. per draft } RM2. per draft } RM.0 per draft } RM0. per draft } RM.0 per draft } RM0. per draft } RM.0 per draft } RM1.9 per draft } RM4.9 per draft } RM.72 per draft } RM1.06 per draft } RM2. per draft } RM.0 per draft } RM.4 per draft } RM.66 per draft } RM0. per draft } RM. per draft } RM.per draft } RM1.0(cable) + RM.0 (commission) + RM (stamp duty) } RM0. } RM0. } RM0. } RM0. page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

30 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer 6 1. MEPS Interbank Giro RENTAS Foreign Currency Cheque for Collection. Outward Telegraphic Transfer b) Via Branches Counter Premier and Advance Basic Savings Basic Current account Amanah Basic Savings -i Amanah Basic Current -i *Senior Citizens and Disabled Persons (OKU) a) Outward RENTAS i. HSBCnet/SWIFT ii. Letters/TT applications forms a) Clean Bill Receivable (CBR) i. Amount up to RM,000 ii. Processing Fee (Effective 2nd January 1) b) Bills for Collection (BCC) i. Amount of RM,000 and above ii. Stamp duty iii. Postage vi. Additional courier charge for cheque denominated in USD v. Processing Fee (Effective 2nd January 1) Outward : a) Commission on applications using: i. Paper Applications Forms/Letter - Charge Type Selected: } RM4 or its equivalent Remitter to pay per transaction - Charge Type Selected: } RM4 or its equivalent Shared between per transaction beneficiary and remitter - Charge Type Selected: Beneficiary to pay ii. Internet Banking - Charge Type Selected: Remitter to pay - Charge Type Selected: Shared between beneficiary and remitter } RM0.0 for first two (2) transactions and RM2 for subsequent transactions in a month *Senior Citizens are customers aged 60 years and above and Disabled Persons (OKU) are customers with OKU card } RM2 } RM } RM.6 } RM0.0 } 0.1% on cheque amount (min RM, max RM0) } RM0.1 } RM1.0 } RM4.00 } RM0.0 } RM4 or its equivalent per transaction } RM2 or its equivalent per transaction } RM2 or its equivalent per transaction } RM0. for first two (2) transactions and RM2. for subsequent transactions in a month *Senior Citizens are customers aged 60 years and above and Disabled Persons (OKU) are customers with OKU card } RM2. } RM.0 } RM. } RM0. } 0.6% on cheque amount (min RM, max RM0) } RM0.1 } RM1.9 } RM47.70 } RM0. } RM47.70 or its equivalent per transaction } RM47.70 or its equivalent per transaction (debited from remittance proceeds) } RM47.70 or its equivalent per transaction } RM26.0 or its equivalent per transaction } RM26.0 or its equivalent per transaction (debited from remittance proceeds) page 0 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

31 1 Premier Savings Advance EasiGrow 1 EasiGrow 7 Advance PLUS Plan Basic Savings 1 Time Deposit Generic Current. Outward Telegraphic Transfer Outward Telegraphic Transfer: a) Commission on applications using: - Charge Type Selected: Beneficiary to pay iii. Phone Banking - Charge Type Selected: Remitter to pay - Charge Type Selected: Shared between beneficiary and remitter - Charge Type Selected: Beneficiary to pay b) Paying Bank s Charges i. Intermediary Bank charges (for US Dollar payments) ii. Other charges c) Cancellation of i. Released cable } RM2 or its equivalent per transaction } RM2 or its equivalent per transaction } RM2 or its equivalent per transaction } RM2 or its equivalent per transaction } USD 2 per payment } Depends on Beneficiary Bank } RM4 (local charges) + its equivalent of USD } RM26.0 or its equivalent per transaction } RM26.0 or its equivalent per transaction } RM26.0 or its equivalent per transaction } RM26.0 or its equivalent per transaction } USD 26.0 per payment } Depends on Beneficiary Bank } RM47.70 (local charges) + its equivalent of USD42. 1 s 1 Emergency Basic Current 24 [Individual 2 Inward Telegraphic Transfer Inward Telegraphic Transfer: a) For credit of HSBC accounts - Charge Type Selected: Remitter to pay - Charge Type Selected: Beneficiary to pay b) Cash Payment - Charge Type Selected: Remitter to pay - Charge Type Selected: Beneficiary to pay } RM per transaction } RM per transaction } RM per transaction } RM per transaction } RM per transaction } RM.0 per transaction } RM per transaction } RM. per transaction Rental Charges KL Main Locker Size 4 x x 2 x x 4 x x x x x x 4 x x x x x x } RM10 } RM1 } RM } RM0 } RM0 } RM0 } RM0 } RM00 } RM19.00 } RM1. } RM0.0 } RM2.00 } RM2.00 } RM2.00 } RM71.00 } RM Opening 2 Credit History Transfer 6 Bukit Bintang Locker Size 4 x x 2 x x 4 x x x x x x x x x x } RM10 } RM1 } RM } RM0 } RM0 } RM0 } RM00 } RM19.00 } RM1. } RM0.0 } RM2.00 } RM2.00 } RM71.00 } RM0.00 page 1 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

32 1 Premier Savings Advance EasiGrow 1 EasiGrow 7 Advance PLUS Plan Basic Savings 1. Rental Charges Jalan Ipoh Locker Size x x x x 2 x x 4 x x x x x x x x x x x x x x Petaling Jaya Locker Size 4 x x 2 x x 4 x x x x x x x x } RM1 } RM10 } RM1 } RM } RM0 } RM } RM0 } RM } RM0 } RM00 } RM10 } RM1 } RM } RM0 } RM0 } RM00 } RM1. } RM19.00 } RM1. } RM0.0 } RM2.00 } RM0.0 } RM2.00 } RM26.00 } RM71.00 } RM0.00 } RM19.00 } RM1. } RM0.0 } RM2.00 } RM71.00 } RM0.00 Time Deposit Generic Current 1 Basic Current 24 Seremban Locker Size 2 x x 4 x x x x x x x x } RM1 } RM } RM0 } RM0 } RM00 } RM1. } RM0.0 } RM2.00 } RM71.00 } RM0.00 s 1 Emergency 2 1 [Individual Penang Locker Size 4 x x 4 x x x x x x x x Taiping Locker Size 4 x x 22 2 x x 22 4 x x 22 x x 22 x x 22 x x 22 Muar Locker Size 2 x x 4 x x x x x x x x x x x 1 x x x x x } RM10 } RM } RM0 } RM0 } RM00 } RM10 } RM1 } RM0 } RM0 } RM0 } RM00 } RM1 } RM } RM0 } RM } RM0 } RM } RM0 } RM0 } RM00 } RM19.00 } RM0.0 } RM2.00 } RM71.00 } RM0.00 } RM19.00 } RM1. } RM2.00 } RM2.00 } RM71.00 } RM0.00 } RM1. } RM0.0 } RM2.00 } RM0.0 } RM2.00 } RM26.00 } RM71.00 } RM71.00 } RM0.00 Opening 2 Credit History Transfer 6 Kuantan Locker Size 4 x x 4 x x x x x x x x } RM10 } RM } RM0 } RM0 } RM00 } RM19.00 } RM0.0 } RM2.00 } RM71.00 } RM0.00 page 2 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

33 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Rental Charges Mentakab Locker Size 2 x x 4 x x x x x x x x Bentong Locker Size 2 x x 4 x x x x x x x x Raub Locker Size 4 x x 4 x x x x x x x x Kuala Terengganu Locker Size 2 x x 4 x x x x x x x x Kuching Locker Size x x x x x x x x x x } RM1 } RM } RM0 } RM0 } RM00 } RM1 } RM } RM0 } RM0 } RM00 } RM10 } RM } RM0 } RM0 } RM00 } RM1 } RM } RM0 } RM0 } RM00 } RM1 } RM10 } RM } RM0 } RM } RM1. } RM0.0 } RM2.00 } RM71.00 } RM0.00 } RM1. } RM0.0 } RM2.00 } RM71.00 } RM0.00 } RM19.00 } RM0.0 } RM2.00 } RM71.00 } RM0.00 } RM1. } RM0.0 } RM2.00 } RM71.00 } RM0.00 } RM1. } RM19.00 } RM0.0 } RM2.00 } RM26.00 Sibu Locker Size 2 x x } RM1 } RM1. 4 x x } RM } RM0.0 x x } RM0 } RM2.00 x x 24 } RM } RM0.0 x x 24 } RM0 } RM2.00 x x 24 } RM0 } RM71.00 x x } RM0 } RM71.00 x x } RM00 } RM0.00 *For Premier Customers 0% off for annual rental charges for first locker only (Subject to availability) 4 Opening 2 Credit History Transfer 6 Other Fees, Charges or Penalties a) Stamp Duty b) Refundable Key Deposit c) Overdue Rental Payment d) Loss of Key - Replacement Cost } RM } RM } RM0 } RM10 - RM } RM } RM } RM0 } RM10 - RM page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

34 1 Premier Savings Advance EasiGrow 1 EasiGrow 7 Advance PLUS Plan Basic Savings 1 Time Deposit Generic Current. Credit Cards Annual Fee Joining Fee a) Card Type Gold Platinum Advance Signature b) Card Type Gold Premier Note: The following annual fees are applicable to cardholders who were upgraded by the Bank under the Credit Card s Upgrade Initiative on 1st August. a) Card Type Visa Visa Gold (upgraded from Classic) Platinum (upgraded from Gold) b) Card Type Gold (upgraded from Classic) Joining Fee Visa Primary (RM) Supplementary (RM) Visa Primary (RM) Supplementary (RM) Waived Waived Waived Waived Mastercard Mastercard Primary (RM) Supplementary (RM) Primary (RM) Supplementary (RM) 0 0 Waived Waived Primary (RM) Supplementary (RM) Mastercard Primary (RM) Supplementary (RM) Waived Waived Primary (RM) Supplementary (RM) Mastercard Primary (RM) Supplementary (RM) Basic Current 24 Finance charges s 1 Emergency [Individual 2 a) Purchases A Tiered Interest Rate Structure will be applied from the 1th month hereafter to prompt minimum repayments made for the following time brackets (in months) within the last consecutive months. Minimum repayments made by the due date within the last consecutive months for the following time brackets Tiered Interest Rate (p.a.) For months 1% For months or months 1% For less than months 1% For months 1% For months or months 1% For less than months 1% Opening 2 Credit History Transfer 6 b) Cash Advance c) Balance Transfer Cash Advance fees Minimum monthly repayment Application of Lower Interest Rate 1th month hereafter 1th month hereafter not applicable 1% p.a. of the cash advance amount calculated on a daily basis Up to 1% p.a. of the amount transferred, calculated on a daily basis for a fixed duration The cash advance fee is % of the amount advanced or a minimum of RM1, whichever is higher. This is incurred for each cash advance transaction % of the outstanding balance or a minimum of RM0, whichever is higher 1th month hereafter 1th month hereafter not applicable 1% p.a. of the cash advance amount calculated on a daily basis Up to 1% p.a. of the amount transferred, calculated on a daily basis for a fixed duration The cash advance fee is.% of the amount advanced or a minimum of RM1.90, whichever is higher. This is incurred for each cash advance transaction % of the outstanding balance or a minimum of RM0, whichever is higher page 4 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

35 1 Premier Savings Advance EasiGrow 1 Basic Savings 1 Time Deposit 1 s 1 Emergency 2 1 EasiGrow 7 Advance PLUS Plan Basic Current 24 Generic Current [Individual Opening 2 Credit History Transfer Credit Cards Late payment fees Interest-free period Conversion for overseas transactions Replacement card fee Sales draft retrieval request fee Refund of credit card excess balance via Other Services 22. Cross Border Opening Assistance / facilitation in settingup accounts that are offered by another HSBC group office. This includes full on boarding service and completion of International Needs Review in preparation to take customers through their requirements in the new country. a) MEPS Interbank GIRO b) Cashiers Order a) Credit Card Statement Retrieval i. If statement is months old or less ii. If statement is more than months old a) Premier Customers & Children b) Non-Premier Customers c) Non-Premier Customers Children d) Students Minimum of RM or 1% of the outstanding balance, whichever is higher, capped to a maximum of RM0. -day interest-free period is only enjoyed on all retail transactions, provided all outstanding balances as per the monthly statement of the previous month are fully settled If the Cardholder uses the Credit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International or MasterCard International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.2% as well as any transaction fee charged by Visa International or MasterCard International. } RM0 per card } RM0 per card } RM per copy } RM. per copy } RM2 per transaction } RM2 per transaction } RM2 per page } RM per request + RM2 per page } Cross border account opening is no longer applicable for non- Premier customers. } Cross border account opening is no longer applicable for non- Premier customers. } Cross border account opening is no longer applicable for non- Premier customers. Minimum of RM or 1% of the outstanding balance, whichever is higher, capped to a maximum of RM0. -day interest-free period is only enjoyed on all retail transactions, provided all outstanding balances as per the monthly statement of the previous month are fully settled If the Cardholder uses the Credit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International or MasterCard International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.2% as well as any transaction fee charged by Visa International or MasterCard International. } RM2. per transaction } RM2. per transaction } RM2. per page } RM. per request + RM2. per page } Cross border account opening is no longer applicable for non- Premier customers. } Cross border account opening is no longer applicable for non- Premier customers. } Cross border account opening is no longer applicable for non- Premier customers. page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

36 1 Premier Savings EasiGrow Advance EasiGrow 7 Advance PLUS Plan 2. Credit History Transfer Credit history transfer via a Credit Transfer Form (CTF) if credit facilities are required in new country. a) Premier Customers & Children b) Non-Premier Customers c) Non-Premier Customers Children d) Students } Credit Transfer History is no longer applicable for non-premier customers. } Credit Transfer History is no longer applicable for non-premier customers. } Credit Transfer History is no longer applicable for non-premier customers. } Credit Transfer History is no longer applicable for non-premier customers. } Credit Transfer History is no longer applicable for non-premier customers. } Credit Transfer History is no longer applicable for non-premier customers. 1 Basic Savings 1 Time Deposit Generic Current 1 Basic Current 24 s 1 Emergency [Individual Opening 2 Credit History Transfer 6 page 6 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

37 Tariff and charges for HSBC products and services Contents Commercial & Business 1 2 Business s Foreign Currency s Business s Business Current a) Average monthly credit balance of i. Above RM1,000 ii. RM1,000 and below } No charge } RM Half-Yearly Service charges Note Charges are applicable to non-borrowing customers only. } No charge } RM.60 Half-Yearly Service charges Note Charges are applicable to non-borrowing customers only. 4 Channels Related Services Payment Services 42 b) Transaction Charge i. For more than 2 counter cash deposit transactions per month ii. For more than 2 counter cash withdrawal transactions per month } RM per transaction } RM per transaction } RM.0 per transaction } RM.0 per transaction 6 Cross Border 4 Opening Cheque Related Fees and Charges 7 Import Services Export Services Other Services a) Inward Clearing Cheque - Processing Fee Exception for cheque return reasons below:- i. Cheque Already Paid /Duplicate Payment ii. Wrongly encoded/ Encoding error iii. Incorrect Data Capture } RM0.0 per cheque } RM0. per cheque Business Credit Card Corporate Card 4 b) Cheque Book Issuance i. Stamp duty ii. Courier Charges * All cheque book will be couriered to customer unless specified otherwise c) Stop Payment Instruction on Cheque I. With sufficient funds II. With insufficient funds } RM0.1 per cheque leaf } RM flat } RM per instruction } RM0 per instruction } RM0.1 per cheque leaf } RM.0 flat } RM. per instruction } RM6.00 per instruction d) Cheques Returned I. Due to insufficient funds II. Due to reason Post-dated } RM0 per cheque } RM per cheque } RM0 per cheque } RM per cheque e) Cheque(s) exceptionally honoured due to insufficient funds } RM0 per cheque } RM per cheque Miscellaneous Services a) closed within months b) Audit Confirmation i. Automail ii. Manual } RM } RM } RM0 } RM } RM.60 } RM.00 page 7 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

38 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Business s Business Current c) Statement/Voucher Retrievals i. Within 1 year ii. Above 1 year d) TMD Disposal i. Via Local Demand Draft Mail to beneficiary Collection at branch -On the same day Processing Fee ii. Via Rentas iii. Via MEPS Interbank Giro } RM2 per page } RM2 per page } RM per Draft } RM per Draft } RM0.0 per Draft } RM2 per transaction } RM2 per transaction } RM2. per page } RM2. per page } RM.0 per Draft } RM.0 per Draft } RM0. per Draft } RM2. per transaction } RM2. per transaction Payment Services 42 6 Cross Border 4 Opening 7 Import Services 46 BusinessVantage (BVA) a) Average monthly credit balance of i. Above RM,000 ii. RM,000 and below } No charge } SME = RM Half- Yearly Service charge } Non-SME = RM Monthly Service Charge Note Charges are applicable to non-borrowing customers only. } No charge } SME = RM.60 Half-Yearly Service charge } Non-SME = RM.60 Monthly Service Charge Note Charges are applicable to non-borrowing customers only. Export Services 49 9 Other Services Business Credit Card 4 b) Transaction Charge i. For more than 2 counter cash deposit transactions per month ii. For more than 2 counter cash withdrawal transactions per month Cheque Related Fees and Charges } RM per transaction } RM per transaction } RM.0 per transaction } RM.0 per transaction Corporate Card a) Inward Clearing Cheque - Processing Fee Exception for cheque return reasons below:- i. Cheque Already Paid /Duplicate Payment ii. Wrongly encoded/ Encoding error iii. Incorrect Data Capture } RM0.0 per cheque } RM0. per cheque b) Cheque Book Issuance i. Stamp duty ii. Courier Charges * All cheque book will be couriered to customer unless specified otherwise c) Stop Payment Instruction on Cheque I. With sufficient funds II. With insufficient funds } RM0.1 per cheque leaf } RM flat } RM per instruction } RM0 per instruction } RM0.1 per cheque leaf } RM.0 flat } RM. per instruction } RM6.00 per instruction page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

39 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services Export Services Other Services Business Credit Card Corporate Card 4 1. Business s Business Current e) Cheque(s) exceptionally honoured due to insufficient funds Miscellaneous Services a) closed within months b) Audit Confirmation i. Automail ii. Manual c) Statement/Voucher Retrievals i. Within 1 year ii. Above 1 year d) TMD Disposal i. Via Local Demand Draft Mail to beneficiary Collection at branch -On the same day Processing Fee ii. Via Rentas iii. Via MEPS Interbank Giro 2. Foreign Currency s Corporate d) Cheques Returned I. Due to insufficient funds II. Due to reason Post-dated a) Transaction Charge No cash transaction is allowed. No charge for internal transfers between accounts of same name. b) Maintenance/ Statement charge c) Penalty charge on pre-mature upliftment of TMD } RM0 per cheque } RM per cheque } RM } RM } RM0 Currency Type USD GBP AUD JPY SGD EUR BND CHF HKD CAD NZD Per Transaction USD4 GBP AUD6 JPY0 SGD6 EUR4 BND6 CHF6 HKD0 CAD6 NZD6 } No Charge } No Charge } No interest payable on completed periods } All replacement costs to be borne by customer Note For account currencies not stated above, we will apply USD4.00 equivalent as the transaction charge. } RM0 per cheque } RM per cheque } RM0 per cheque } RM per cheque } RM2 per page } RM2 per page } RM per Draft } RM per Draft } RM0.0 per Draft } RM2 per transaction } RM2 per transaction } RM } RM.60 } RM.00 } RM2. per page } RM2. per page } RM.0 per Draft } RM.0 per Draft } RM0. per Draft } RM2. per transaction } RM2. per transaction Currency Type USD GBP AUD JPY SGD EUR BND CHF HKD CAD NZD Per Transaction USD4.24 GBP.1 AUD6.6 JPY424 SGD6.6 EUR4.24 BND6.6 CHF6.6 HKD1.0 CAD6.6 NZD6.6 } No interest payable on completed periods } All replacement costs to be borne by customer Note For account currencies not stated above, we will apply USD4.24 equivalent as the transaction charge. page 9 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

40 Tariff and charges for HSBC products and services Contents Commercial & Business 1 Business s 7. Overdraft Unutilised portion of facility } 1% per annum } 1% per annum 2 4 Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services Export Services Revolving Loan Overall Credit Facilities Business Premises and other Term Loans Unutilised portion of facility } 1% per annum } 1% per annum a) Facility Arrangement Fee Processing and assessing customer s needs and business requirements for the purpose of setting up and structuring of facilities b) Facility Management Fee (excluding Business Premises ) Fees for assessing and tailoring facilities to suit requirement of customers } Non - SME min = RM2,000 } Non - SME Borrowing up to RMm min = RM0 } Non - SME Borrowing above RMm min = RM2,000 a) Facility Arrangement Fee } Non - SME min = RM2,000 b) Facility Management Fee Fees for assessing and tailoring facilities to suit requirement of customers } Business Premises Non-SME RM0 (for renewal of facility where OD option is taken) } Non - SME min = RM2,1 } Non - SME Borrowing up to RMm min = RM424 } Non - SME Borrowing above RMm min = RM2,1 } Non - SME min = RM2,1 } Business Premises Non-SME RM424 (for renewal of facility where OD option is taken) 9 Other Services Business Credit Card 4 } Other Term Loans SME and Non - SME Borrowing up to RMm min = RM0 } Other Term Loans SME and Non - SME Borrowing up to RMm min = RM424 Corporate Card Non - SME Borrowing above RMm min = RM2,000 Non - SME Borrowing above RMm min = RM2,1 Miscellaneous Service Statement i. Within 1 year ii. Above 1 year } RM2 per page } RM2 per page + RM handling fees } RM2. per page } RM2. per page + RM. handling fees 4. Channels Related Services Business Internet Banking (BIB) a) MEPS InterBank Giro } RM0. wef from 2 nd May 1 } RM0. b) Outward Telegraphic Transfer (OTT) c) AutoPay i. Credit to HSBC accounts ii. Credit to other local bank accounts via MEPS } RM2 + overseas charges } RM0. per name wef from 2 nd May 1 } RM0. per name wef from 2 nd May 1 } RM overseas charges } RM0. per name } RM0. per name page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

41 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services Channels Related Services Business Internet Banking (BIB) HSBCnet Business ATM Card (BAC) d) Security Device } No charge for 1st delegate RM0 per device for subsequent delegates e) Replacement of Security Device f) Service Fee } RM per month (applicable to BIB signed-up from 01 August onwards) a)security Device b) Replacement of Security Device c) Service Fee a) Initial fee b) Annual fee c) Replacement card } No charge for 1st delegate RM per device for subsequent delegates } RM0 per device } RM per device } No charge for 1st delegate RM0.00 per device for subsequent delegates } RM0 per device } RM00.00 per month } RM per card } RM per card } RM1 per card } RM. per month } No charge for 1st delegate RM.00 per device for subsequent delegates } RM per device } RM1.00 per month } RM.4 per card } RM.4 per card } RM1 per card Export Services 49 9 Other Services HOUSe - Shared ATM Network (HSBC/HSBC Amanah, OCBC, UOB and Standard Chartered) * For Basic Current Cash withdrawal using HSBC/HSBC Amanah ATM cards at non-hsbc/ HSBC Amanah ATMs within the HOUSe Network } RM per card } RM per card } RM1 per successful } RM1 per successful transaction transaction Business Credit Card Corporate Card 4 MEPS Shared ATM Network PLUS, CIRRUS (non- MEPS) ATM network Cash Withdrawal using HSBC/HSBC Amanah ATM Cards within MEPS Shared ATM Network Cash Withdrawal at PLUS, CIRRUS (non-meps) ATM network } RM4 per successful withdrawal } RM per transaction } RM4.24 per successful withdrawal } RM.60 per transaction Transaction Charges for Basic Current ATM Cash Withdrawal (if exceeding transactions per month) } RM1 per transaction } RM1.06 per transaction Business SMS Alert (BSA) Monthly charges } RM per account (Free for the first months) } RM.60 per account (Free for the first months) SMS Fixed Information Services a) Each SMS request } Charges imposed by customer s Mobile Network Operator b) Each SMS received } RM0.0 } RM0.2 } Charges imposed by customer s Mobile Network Operator Note Fees and charges are subject to changes without prior notice. Business Cheque Report (BCR) Monthly service charges } RM per account } RM.60 per account page 41 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

42 Tariff and charges for HSBC products and services Contents Commercial & Business 1 2 Business s Foreign Currency s 7 9. Payment Services Cross Border Payments InwardTT SWIFT } RM } RM.0 4 Channels Related Services OutwardTT -Charge BEN (Local charges to less from proceed and beneficiary to bear overseas charges) a) Business Internet Banking (BIB) } RM2 + overseas charges b) SWIFT/HSBCnet } RM2 + overseas charges c) Letters/Smartform } RM4 + overseas charges } RM overseas charges } RM overseas charges } RM overseas charges Payment Services 42 6 Cross Border 4 Opening Outward TT charge SHA (Remitter to bear local charge and Beneficiary to bear overseas charge) a) Business Internet Banking (BIB) b) SWIFT/HSBCnet c) Letters/Smart forms } RM overseas charges } RM overseas charges RM overseas charges } RM overseas charges } RM overseas charges RM overseas charges 7 Import Services Export Services Outward TT - charge OUR (Remitter to bear both local and overseas charges) a) Business Internet Banking (BIB) b) SWIFT/HSBCnet c) Letters/Smart forms } RM RM overseas charges } RM RM overseas charges RM RM overseas charges } RM RM6.6 + overseas charges } RM RM6.6 + overseas charges RM RM6.6 + overseas charges 9 Other Services Business Credit Card 4 Foreign Currency Draft - application received via } Swift } HSBCnet } Letters } BIB } Smart forms Corporate Card a) For all currencies except for GBP i. Amount up to RM,000 ii. Amount from RM,001 } RM2.00 } N/A } RM2. } N/A b) For GBP i. Amount up to RM2,00 ii. Amount from RM2,01 to RM,000 } RM.00 } RM2.00 } RM.0 } RM2. c) For CAD and CHF, there are additional clearing charges irrespective of amount i. CAD ii. CHF } RM1.0 per draft } RM.00 per draft } RM1.9 per draft } RM4.9 per draft d) For AUD additional clearing charges i. AUD1-AUD99 ii. AUD0-AUD499 iii. AUD00-AUD4,999 iv. AUD,000-AUD9,999 v. AUD,000 and above } RM1.00 } RM2.00 } RM.00 } RM.00 } RM.00 } RM1.06 } RM2. } RM.0 } RM.4 } RM.66 page 42 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

43 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services 46. Payment Services Cross Border Payments Foreign Currency Cheque for Collection Domestic Payments a) Clean Bill Receivable (CBR) i. Amount up to RM,000 ii. Processing Fee (Effective 2 nd January 1) b) Bills for Collection (BCC) i. Amount of RM,000 and above ii. Stamp duty iii. Postage iv. Additional courier charge for cheque denominated in USD v. Processing Fee (Effective 2 nd January 1) } RM.6 } RM0.0 } 0.1% on cheque amount (min RM, max RM0 } RM0.1 } RM1.0 } RM4.00 } RM0.0 } RM. } RM0. } 0.6% on cheque amount (min RM.60, max RM6.00 } RM0.1 } RM1.9 } RM47.70 } RM0. Export Services 49 Outward RENTAS (per transaction) a) HSBCnet RM2 RM2. b) SWIFT } RM2 } RM2. c) Letters/Smartforms } RM } RM.0 9 Other Services Business Credit Card 4 Corporate Card Local Demand Draft (RM) a) HSBCnet i. via Cheque Outsourcing System (COS) ii. via Priority Payments } RM1. per Draft } RM.0 per Draft } RM1.64 per Draft } RM. per Draft Note: Inclusive of RM0.0 cheque processing fee (Effective 2nd January 1) b) BIB/Letters/application form Processing Fee (Effective 2 nd January 1) c) Mail to beneficiary/rd party Processing Fee (Effective 2 nd January 1) d) Collection at branch i. on same day ii. on next day iii. Processing Fee (Effective 2 nd January 1) } RM2 per Draft } RM0.0 per Draft } RM per Draft } RM0.0 per Draft } RM per Draft } RM2 per Draft } RM0.0 per Draft } RM2. per Draft } RM0. per Draft } RM.0 per Draft } RM0. per Draft } RM.0 per Draft } RM2. per Draft } RM0. per Draft page 4 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

44 Tariff and charges for HSBC products and services Contents Commercial & Business 1 Business s 7. Payment Services Domestic Payments 2 Foreign Currency s 9 Internal Transfer a) BIB } No charge } No charge b) HSBCnet } No charge } No charge c) Letters/Smartforms } RM } RM.0 4 Channels Related Services Payment Services 42 6 Cross Border 4 Opening Autopay a) Manual Input List (MIL) i. credit to HSBC account ii. less than names per list iii. credit to other local bank accounts b) HSBCnet i. Internal transfer ii. other banks transfer All rd party cheques } RM2 per name } RM + RM2 per name } RM2 per name } RM0. per name } RM0. per name } RM2. per name } RM.60 + RM2. per name } RM2. per name } RM0. per name } RM0. per name } RM2 per cheque } RM2. per cheque 7 Import Services 46 MEPS Interbank GIRO Via Branches Counter } RM2 per transaction } RM2. per transaction Export Services 49 9 Other Services Salary HSBC Format } RM.00 per name credit into HSBC account } RM.00 per name for payment to account with other local banks } RM.0 per name credit into HSBC account } RM.0 per name for payment to account with other local banks Business Credit Card 4 Standing Instruction (SI) a) Internal transfer b) Payment to other banks } RM2.00 per transaction } RM2. per transaction } RM.0 per transaction } RM. per transaction Corporate Card c) Due to insufficient funds in account } RM.00 per transaction } RM.0 per transaction page 44 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

45 Tariff and charges for HSBC products and services Contents Commercial & Business 1 Business s 7 6. Cross Border Opening 2 Foreign Currency s 9 Assistance / facilitation in setting-up accounts that are offered by another HSBC group office for HSBC corporate customers Corporate Customers: 1. Large Corporate (LC) 2. Middle Market Enterprise (MME). Small, Medium Enterprise (SME) } USD00 } USD00 } USD00 } USD1 } USD1 } USD1 4 Channels Related Services Payment Services 42 6 Cross Border 4 Opening 7 Import Services 46 Export Services 49 9 Other Services Business Credit Card 4 Corporate Card page 4 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

46 Tariff and charges for HSBC products and services Contents Commercial & Business 1 2 Business s Foreign Currency s Import Services Documentary Credit Issuance The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. Irrevocable DC a) Opening Commission 0.1% per month* (or part of month) on the credit amount (min. RM0) 0.1% per month* (or part of month) on the credit amount (min. RM0) 4 Channels Related Services b) Handling Fee for same day processing received after noon } Min. RM10 } Min. RM10 Payment Services 42 c) Marginal Deposit handling fee for non-trade Customer } Min. RM10 } Min. RM10 6 Cross Border 4 Opening 7 Import Services 46 Export Services 49 9 Other Services Business Credit Card 4 Back-to-Back DC Revolving DC Usance DC a) Opening Commission } 0.1% per month* (or part of month) on the credit amount (min. RM0) a) Opening Commission } 0.1% per month* (or part of month) on the credit amount (min. RM0) } 0.1% per month* (or part of month) on the credit amount (min. RM0) b) Handling Fee } Min. RM10 } Min. RM10 a) Opening Commission } 0.1% per month* (or part of month) on the credit amount (min. RM0) } 0.1% per month* (or part of month) on the credit amount (min. RM0) b) Handling Fee } Min. RM10 } Min. RM10 } 0.1% per month* (or part of month) on the credit amount (min. RM0) Corporate Card b) Opening Charge on Usance period } 0.1% per month (or part of month) for the usance period of the credit } 0.1% per month (or part of month) for the usance period of the credit Standby DC a) Opening Commission** } 0.1% per month* (or part of month) on the credit amount (min. RM0) } 0.1% per month* (or part of month) on the credit amount (min. RM0) b) Handling Fee } Min. RM10 } Min. RM10 Cable cost per DC issued under SWIFT Courier Charges } Local min. RM0 } Overseas min. RM0 } As per DHL published rates } Local min. RM0 } Overseas min. RM0 } As per DHL published rates Note (*) Opening commission is calculated at a prescribed rate from the date of DC issuance and payable in full at the time of establishment of all DCs. If there is any subsequent extension to the expiry date / increase in the amount of the DC, additional commission will be imposed based on the extended period or the increase DC amount and will be collected when the DC is extended or the amount increased. (**) Applicable for SME customers only. Different rates as prescribed by the Bank are applicable for other customers. page 46 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

47 Tariff and charges for HSBC products and services Contents Commercial & Business 1 2 Business s Foreign Currency s Import Services Documentary Credit Issuance The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. 4 Channels Related Services Payment Services 42 6 Cross Border 4 Opening 7 Import Services 46 Bank Guarantee (BG) Documentary Credits In Progress Amendments to DC a) Issuance Commission } 0.1% per month (or part thereof) on the guarantee amount (min RM0) (SME Customers) } Min RM0 (Non-SME customers) a) Charge b) Increase in DC value c) Extension of DC validity } RM0 for 1st amendment } RM0 for subsequent amendment } 0.1% per month (or part of month) And / or } 0.1% per month (or part of month) } 0.1% per month (or part thereof) on the guarantee amount (min RM0) (SME Customers) } Min RM0 (Non-SME customers) } RM0 for 1st amendment } RM0 for subsequent amendment } 0.1% per month (or part of month) And / or } 0.1% per month (or part of month) Export Services 49 d) Cable cost per amendment DC issued under SWIFT Local min. RM0 Overseas min. RM0 Local min. RM0 Overseas min. RM0 9 Other Services e) Courier Charges } As per DHL published rate } As per DHL published rate Business Credit Card 4 Amendments to Bank Guarantee a) Charge } RM0 for every Bank Guarantee amendment } RM0 for every Bank Guarantee amendment Cancellation of DC a) Cancellation Fee } RM0 flat } RM0 flat Corporate Card b) Communication Charge by cable } Local min. RM0 } Overseas min. RM0 } Local min. RM0 } Overseas min. RM0 c) Courier Charges } As per DHL published rate } As per DHL published rate Acceptance Commission On Usance Credits Issued a) Acceptance Commission } Foreign DPC USD7 flat Note } Local DPC RM10 flat Acceptance commission on usance DC issued is for the account of the beneficiary unless otherwise stated in the DC. } Foreign DPC USD7 flat } Local DPC RM10 flat Shipping Guarantee/ Air Waybill/Bill of Lading Endorsement a) Issuance/Endorsement Commission } 0.1% of the invoice value of the goods (min. RM0) } 0.1% of the invoice value of the goods (min. RM0) b) Unredeemed Shipping Guarantee/Air Waybill/ Bill of Lading Endorsement } 0.% p.a. of the invoice value if SG is not released within calendar months from the date of issue (min. RM0) } 0.% p.a. of the invoice value if SG is not released within calendar months from the date of issue (min. RM0) page 47 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

48 Tariff and charges for HSBC products and services Contents Commercial & Business 1 2 Business s Foreign Currency s Import Services Import Bills The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. Inward Bills for Collection a) Collection bills commission } 0.1% flat } Min. RM0 } Max. RM0 (FCY IBC) } Max. RM00 (RM IBC) } 0.1% flat } Min. RM0 } Max. RM0 (FCY IBC) } Max. RM00 (RM IBC) 4 Channels Related Services b) Handling Fee imposed on each set of Usance Bills } RM0 } RM0 Payment Services 42 c) Direct Settlement Charge (documents release free of payment) } As with the above rate } As with the above rate 6 Cross Border 4 Opening d) Import Loans Charge } 0.2% flat } 0.2% flat 7 Import Services 46 e) Snag bill handling fee } RM10 per month } RM10 per month f) Protest fee } RM00 plus legal fee & postage } RM00 plus legal fee & postage Export Services 49 9 Other Services Business Credit Card 4 Corporate Card Import Bills Receivable a) Transit Interest } At prevailing rate for FCY or customer s Note For Bills drawn under a Documentary Credit of this Bank: Interest will be charged at the prevailing rate for the foreign currency in question from the date of negotiation by the remitting bank until the date of payment or conversion to Ringgit by the customer. b) Payment advice cable cost prescribed rate for RM bills } RM0 for account of drawee } At prevailing rate for FCY or customer s prescribed rate for RM bills } RM0 for account of drawee c) Discrepancy Fee } USD0 flat Foreign DC } RM0 flat Local DC } USD0 flat Foreign DC } RM0 flat Local DC d) Past Due Bills Handling Fee } RM10 per bill (one-time fee) } RM10 per bill (one-time fee) Other Settlement Charges a) Rates for Retirement of Inward Bills } Selling Rate of Exchange (TT or OD) of the day or forward Sales Contract } Selling Rate of Exchange (TT or OD) of the day or forward Sales Contract b) Commission in Lieu of Exchange } 0.1% of bill amount (min. RM0) (max. RM00) } 0.1% of bill amount (min. RM0) (max. RM00) page 4 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

49 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services Export Services Other Services Business Credit Card 4 7. Import Services Import Loans Loans Against Imports Foreign Currency Loans Against Imports Bankers Acceptances/ Islamic Accepted Bills. Export Services Documentary Credits Advising/ Amendments a) Charge } 0.2% for non-dc bills } 0.2% for non-dc bills a) Charge } 0.2% for non-dc bills } 0.2% for non-dc bills b) Penalty for Early Retirement c) Commission in Lieu of Exchange } Penalty interest quoted by Treasury } 0.1% of loan amount (min. RM0) (max. RM00) a) Acceptance Commission } Acceptance commission will be collected b) Handling Fee } RM } RM a) Advising Commission } RM } RM b) Handling Fee } RM Customer with Safe Custody } RM70 Customer without Safe Custody (rebate RM if negotiation with HSBC) } RM90 Non-customer (rebate RM if negotiation with HSBC) The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. } Penalty interest quoted by Treasury } 0.1% of loan amount (min. RM0) (max. RM00) } Acceptance commission will be collected } RM Customer with Safe Custody } RM70 Customer without Safe Custody (rebate RM if negotiation with HSBC) } RM90 Non-customer (rebate RM if negotiation with HSBC) Corporate Card c) Subsequent Advising Commission (amendment) } RM } RM d) Handling Fee } RM0 customer } RM60 non-customer } RM0 customer } RM60 non-customer e) Pre-Advising Commission } RM } RM f) Handling Fee } RM customer } RM non-customer } RM customer } RM non-customer g) Confirmation Commission } 0.1% per month or part of month or as determined by the Bank } Min. RM account of Benef } 0.1% per month or part of month or as determined by the Bank } Min. RM account of Benef h) Transfer Commission 0.1% per month on the amount of the transferred credit (min. RM00) 0.1% per month on the amount of the transferred credit (min. RM00) page 49 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

50 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Export Services The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. Inward Counter Guarantee Advising Bill Purchase/ Negotiation a) Handling Fee RM10 RM10 a) DC Bills Checking Fee } Min. RM0 } Note Min. RM0 To charge checking fee based (Arab & Indian on country of issuing bank and Continents) complexity of the DC (e.g. more than 2 pages of terms and conditions especially from Pakistan, Bangladesh and Middle Eastern countries). } Min. RM0 } Min. RM0 (Arab & Indian Continents) 6 Cross Border 4 Opening 7 Import Services 46 Export Services 49 9 Other Services Business Credit Card 4 Ringgit DC & Non- DC Bills Purchased b) Presentation with Discrepancies (including DC bills sent on Approval & Payment basis) } RM0 per set of documents } RM0 per set of documents a) Commission } 0.1% flat } (min. RM0 customer) } (min. RM0 noncustomer) } (max. RM00) } 0.1% flat } (min. RM0 customer) } (min. RM0 noncustomer) } (max. RM00) b) Urgent Processing Charge } RM0 } RM0 (One-off service requests, outside the usual service offering, i.e. where a bill is given priority processing over others at the request of the customer) Corporate Card Foreign Currency DC & Non-DC Bills Purchased c) Interest Charge } At overdraft or prescribed rate (min. RM0) d) TT/DD Reimb Claim } RM0 for account of Benef a) Commission } 0.1% flat } (min. RM0 customer) } (min. RM0 noncustomer) } (max. RM) } At overdraft or prescribed rate (min. RM0) } RM0 for account of Benef } 0.1% flat } (min. RM0 customer) } (min. RM0 noncustomer) } (max. RM) b) Urgent Processing Charge (One-off service requests, outside the usual service offering, i.e. where a bill is given priority processing over others at the request of the customer) } RM0 } RM0 c) Interest Charge } At prevailing Foreign Currency interest or prescribed rate (min. RM0) d) TT/DD Reimb Claim } RM0 for account of Benef } At prevailing Foreign Currency interest or prescribed rate (min. RM0) } RM0 for account of Benef page 0 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

51 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services Export Services Other Services. Export Services Ringgit DC Bills Non-Purchase (sent on Approval & Payment basis) Foreign Currency DC Bills Non-Purchase (sent on Approval & Payment basis) a) Checking Fee } Min. RM0 } Min. RM0 (Arab & Indian Continents) b) Commission } 0.1% flat } (min. RM0 customer) } (min. RM0 - noncustomer) } (max. RM00) c) Urgent Processing Charge (One-off service requests, outside the usual service offering, i.e. where a bill is given priority processing over others at the request of the customer) d) TT/DD Reimb Claim RM0 - for account of Benef a) Checking Fee } Min. RM0 } Min. RM0 (Arab & Indian Continents) b) Commission } 0.1% flat } (min. RM0 customer) } (min. RM0 - noncustomer) } (max. RM) } RM0 } RM0 The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. } Min. RM0 } Min. RM0 (Arab & Indian Continents) } 0.1% flat } (min. RM0 customer) } (min. RM0 - noncustomer) } (max. RM00) RM0 - for account of Benef } Min. RM0 } Min. RM0 (Arab & Indian Continents) } 0.1% flat } (min. RM0 customer) } (min. RM0 - noncustomer) } (max. RM) Business Credit Card Corporate Card 4 c) Urgent Processing Charge (One-off service requests, outside the usual service offering, i.e. where a bill is given priority processing over others at the request of the customer) } RM0 } RM0 Others d) TT/DD Reimb Claim } RM0 - for account of Benef a) Rate of exchange } Foreign currency bills are negotiated/ Purchased at the prevailing rates of Exchange or contracted rates of exchange b) Delivery Charges } A courier charge is made according to the weight of the documents and their destination c) Other Bank s Charges } All correspondents or agents charges, if any, are for the account of the Benef unless otherwise stated } RM0 - for account of Benef } Foreign currency bills are negotiated/ Purchased at the prevailing rates of Exchange or contracted rates of exchange } A courier charge is made according to the weight of the documents and their destination } All correspondents or agents charges, if any, are for the account of the Benef unless otherwise stated page 1 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

52 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services Export Services Other Services Business Credit Card 4. Export Services Bills For Collection Outward Bills for Collection (Non-DC Bills) subject to URC 22 Export Loans Red Clause Credit a) Handling Fee } RM0 } RM0 Clean Export Loan (OAE) Export Credit Refinancing a) Commission 0.1% flat (min. RM0) (max. RM0) b) Urgent processing Charge (One-off service requests, outside the usual service offering, i.e. where a bill is given priority processing over others at the request of the customer) c) Cancellation Charge (Due to direct payment) a) Commission } 0.2% (min. RM0) } 0.2% (min. RM0) a) Processing Fee } RM per set of documents b) ECR DPO charges } 0.0% flat on the value } (min. RM) } (max. RM00) c) ECR LPO charges } 0.0% flat on the value } (min. RM) } (max. RM00) The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. 0.1% flat (min. RM0) (max. RM0) } RM0 } RM0 } RM0 } RM0 d) Snag Bill Handling Fee } RM10 per month or part of month } RM10 per month or part of month } RM per set of documents } 0.0% flat on the value } (min. RM) } (max. RM00) } 0.0% flat on the value } (min. RM) } (max. RM00) Corporate Card Bankers Acceptances Islamic Accepted Bills a) Acceptance Commission } Acceptance commission will be collected } Acceptance commission will be collected b) Handling Fee } RM } RM Export Settlement Charges a) Commission in Lieu of Exchange } 0.1% of invoice value } (min. RM0) } (max. RM00) } 0.1% of invoice value } (min. RM0) } (max. RM00) b) Past Due Bills } RM10 per bill } RM10 per bill c) Reimbursement Bank Fee Other Export Charges a) Acceptance Commission } 0.1% per month (min. Note RM10) This will only apply to banks with pre-arranged acceptance facilities with us. b) Reimb Claim } RM0 } RM0 Note A reimbursement fee of RM0 will apply for reimbursement claims under DCs opened by our group offices or by correspondent banks. } 0.1% per month (min. RM10) page 2 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

53 Tariff and charges for HSBC products and services Contents Commercial & Business 1 2 Business s Foreign Currency s Other Services The fees and charges for the items below are exclusive of Goods and Services Tax ( GST ). Where GST is chargeable on any of these items, the applicable GST sum shall be imposed in addition to such fees and charges, and shall be payable to the Bank. Assignment of DC Proceeds } 0.1% or RM00 whichever is higher } 0.1% or RM00 whichever is higher 4 Channels Related Services Payment Services 42 6 Cross Border 4 Opening 7 Import Services Export Services Avalisation Forfaiting a) Commission } 0.1% per month or part thereof of the Amount avalised and for the period of existence of the avalised bill (min. RM00) a) Charges } MYR bills - at agreed percentage above BLR } FCY bills - at agreed percentage above prevailing FCY cost of funds b) Commitment Fee } Min. USD0 per forfaiting contract (SME customers) } Min. RM00 per forfaiting contract (Non-SME customers) } 0.1% per month or part thereof of the Amount avalised and for the period of existence of the avalised bill (min. RM00) } MYR bills - at agreed percentage above BLR } FCY bills - at agreed percentage above prevailing FCY cost of funds } Min. USD0 per forfaiting contract (SME customers) } Min. RM00 per forfaiting contract (Non-SME customers) 9 Other Services Faxing of Advices } RM per piece } RM per piece Business Credit Card 4 Photostating documents Advice Request } RM per piece } RM per piece } RM per request } RM per request Corporate Card Past Due Chasers a) To Collecting Bank (auto) } RM0 per chaser } RM0 per chaser b) To Collecting Bank (manual) RM60 per chaser RM60 per chaser Miscellaneous administration fee (for non-sme customers) } RM per transaction } RM per transaction Banking Express Service a) West Malaysia b) East Malaysia (Daily courier service for cheques and documents except cash) } RM0.00 per month } RM.00 per month } RM9.60 per month } RM26.00 per month page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

54 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services 46. Business Credit Card a) Annual Fee } Visa Gold: RM0 } Visa Gold: RM2 per card b) Joining Fee } No Charge } No Charge c) Finance Charges i) Purchases ii) Cash Advance } Single Tiered Interest Rate (p.a) of 1% } 1% p.a of cash advance amount calculated on a daily basis d) Cash advance fee } % of the amount advanced or a minimum of RM1, whichever is higher. This is incurred for each cash advance transaction } 1% p.a. calculated on a daily rest basis on the outstanding balance from the posting date of the respective retail transactions } 1% p.a. calculated on a daily basis on the cash advance amount from the date of disbursement until full repayment }.% of the amount advanced or a minimum of RM1.90, whichever is higher. This is incurred for each cash advance transaction Export Services 49 9 Other Services Business Credit Card 4 Corporate Card e) Minimum monthly repayment f) Late payment Fees } Minimum of RM or 1% of the outstanding balance, whichever is higher, capped to a maximum of RM0 g) Interest-free period } -day interest-free period is only enjoyed on all retail transactions, provided all outstanding balances as per the monthly statement of the previous month are fully settled h) Conversion for overseas transactions } % of the outstanding balance or a minimum of RM0, whichever is higher } If the Cardholder uses the Credit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate determined by Visa International + Administration Fee of 1% + any transaction fee charged by Visa International. } % of the outstanding balance or a minimum of RM0, whichever is higher } Minimum of RM or 1% of the outstanding balance, whichever is higher, up to a maximum of RM0.00 } -day interest-free period is only enjoyed on all retail transactions, provided all outstanding balance as per the monthly statement of the previous month are fully settled } If the Customer uses the Credit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International, on the date of conversion in addition to a foreign currency conversion cost of 1.00% as well as any transaction fee charged by Visa International. page 4 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

55 Tariff and charges for HSBC products and services Contents Commercial & Business 1 Business s 7. Business Credit Card i) Replacement Card Fee } RM0.00 per card } RM0.00 per card 2 Foreign Currency s 9 j) Sales Draft Retrieval } RM.00 per copy } RM. per copy k) Additional Statement Request Fee l) Cash Payment over Counter } RM per monthly statement } RM.0 per monthly statement } No Charge } No Charge 4 Channels Related Services Payment Services 42 6 Cross Border 4 Opening 7 Import Services Export Services Other Services Business Credit Card 4. Corporate Card a) Annual Fee } World Corporate MasterCard: RM1 b) Joining Fee } No Charge } No Charge c) Finance Charges i) Purchases ii) Cash Advance } 1% p.a. calculated on a daily rest basis on the outstanding balance from the posting date of the respective retail transactions } 1% p.a of cash advance amount calculated on a daily basis d) Cash advance fee } % of the amount advanced or a minimum of RM1, whichever is higher. This is incurred for each cash advance transaction e) Minimum monthly repayment } All outstanding has to be settled in full } World Corporate MasterCard: RM1. } 1% p.a. calculated on a daily rest basis on the outstanding balance from the posting date of the respective retail transactions } 1% p.a. of the cash advance amount calculated on daily basis }.% of cash advance fee of the amount advanced or a minimum of RM1.90, whichever is higher. This is incurred for each cash advance transaction. } All outstanding has to be settled in full Corporate Card f) Late payment Fees } Minimum of RM or 1% of the outstanding balance, whichever is higher, capped to a maximum of RM0 } Minimum of RM or 1% of the outstanding balance, whichever is higher, capped to a maximum of RM0 g) Interest-free period } -day interest-free period is only enjoyed on all retail transactions, provided all outstanding balances as per the monthly statement of the previous month are fully settled } -day interest-free period is only enjoyed on all retail transactions, provided all outstanding balances as per the monthly statement of the previous month are fully settled page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

56 Tariff and charges for HSBC products and services Contents Commercial & Business Business s Foreign Currency s Channels Related Services Payment Services Cross Border 4 Opening 7 Import Services 46. Corporate Card h) Conversion for overseas transactions } If the Cardholder uses the Credit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate determined by Visa International / MasterCard International + Administration Fee 1.2% + any transaction fee charged by Visa International / MasterCard International. } If the Cardholder uses the Credit Card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted at the exchange rate as determined by Visa International or MasterCard International, as the case may be, on the date of conversion in addition to a foreign currency conversion cost of 1.2% as well as any transaction fee charged by Visa International or MasterCard International. i) Replacement Card Fee } RM0.00 per card } RM0.00 per card j) Sales Draft Retrieval } RM.00 per copy } RM. per copy Export Services 49 k) Retrieval of statement(s) fee Less than months old More than months old } RM2 per page } RM per request + RM2 per page } RM2. per page } RM. per request + RM2. per page 9 Other Services l) Cash Payment over Counter } No Charge } No Charge Business Credit Card 4 m) Additional Statement Request Fee } RM per monthly statement } RM.0 per monthly statement Corporate Card page 6 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)