Effective From August, 2011 GN150-27 (8/2011) Service Charges. An Easy guide to banking fees

Effective From August, 2011 GN150-27 (8/2011) Service Charges An Easy guide to banking fees

Contents relationship banking plans 1 deposit account-related 2-4 foreign exchange services 4 outward remittances 5 inward remittances / travellers cheques 6 general services 6-7 mortgage services 8-9 credit facilities / revolving cash card 10 credit cards 11-14 investment fund services / debt securities services / equity linked investment services / wealth fi nancing services 15 securities services 16-17

relationship banking plans Maintenance Fee SME Banking and Premium SME Banking - HK$180 # per month International Trade Account - HK$300 ## per month # The maintenance fee will be waived if the total daily average balance in the past 6 months meets any one of the minimum balances: HK$50,000 in Deposit / Investment Accounts or HK$50,000 in Loans / Overdraft Accounts or HK$80,000 combined in Deposit / Investment and Loans / Overdraft Accounts. Should the account history be less than 6 months, the calculation will be based on the daily average balance for the period from second month of account opening. ## The maintenance fee will be waived if the total daily average balance in the past 6 months meets the minimum balance of HK$100,000 combined in Deposit / Investment and Loan / Overdraft Accounts. Should the account history be less than 6 months, the calculation will be based on the daily average balance for the period from second month of account opening. Maintenance Fee Priority Banking - HK$900 per quarter Preferred Banking - HK$360 per quarter Easy Banking - HK$120 per quarter The maintenance fee will be waived if the average daily relationship balance in the past 3 months meets the relevant Minimum Relationship Balance Requirement in the below table. Minimum Relationship Balance Requirement (HKD) Customers with Standard Customers with Mortgage account Payroll account Definition of Relationship Balance For Priority Banking & Preferred Banking customers: The Relationship Balance includes the aggregate balance of deposits, investments, accumulated premiums of selected insurance, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on Standard Chartered credit cards^ and outstanding balances of Standard Chartered Personal Loans you maintain with Standard Chartered Bank (Hong Kong) Limited ( the Bank ) under personal accounts. For Easy Banking customers: The Relationship Balance includes the aggregate balance of deposits, investments, accumulated premiums of selected insurance, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on Standard Chartered credit cards^ and outstanding balances of Standard Chartered Personal Loans you maintain with Standard Chartered Bank (Hong Kong) Limited ( the Bank ) under personal accounts in sole name or joint names as primary account holder. Priority Banking 1,000,000 Preferred Banking Drawdown amount of HKD4,000,000 below 500,000 0 Drawdown amount of HKD1,500,000 below Drawdown amount of HKD4,000,000 or above 500,000 Drawdown amount of HKD1,500,000 or above 200,000 200,000 200,000 0 Easy Banking 10,000 0 0 Remarks;- Starting from 1 March 2011, Priority / Preferred Banking customers with mortgage account (any drawdown amount) opened before 6 September 2010 will be able to enjoy the quarterly maintenance fee waiver. If Priority / Preferred Banking customers cancel their mortgage account with the Bank, their Minimum Relationship Balance Requirement will have to be HKD1,000,000 / HKD200,000 or above in order to enjoy the quarterly maintenance fee waiver. ^ Standard Chartered credit cards refer to Standard Chartered Credit Card, Standard Chartered American Express Card and Standard Chartered co-branded credit card (including supplementary cards and corporate cards) issued by the Bank. Outstanding balances on supplementary cards will contribute to the Relationship Balance of the principal cardholder only. 1

deposit account-related Returned Cheque / Rejected Electronic Payment Due to Insuffi cient Fund Due to Technical Errors Stop Payment on Cheque Mark Good Cheques Interest Rate for Current Account Overdraft Protection Handling Fee for Current Account Overdraft Protection Hong Kong Dollar Savings Account Deposit Interest Rate Foreign Currency Savings Account Deposit Interest Rate ^ The Savings Rate will be determined by Standard Chartered Bank (Hong Kong) Limited from time to time. HKD cheque / payment: HK$150 per cheque / payment USD cheque / payment: US$19 per cheque / payment RMB cheque / payment: RMB 200 per cheque / payment HKD cheque / payment: HK$100 per cheque / payment USD cheque / payment: US$13 per cheque / payment RMB cheque / payment: RMB 50 per cheque / payment HKD cheque: HK$90 per cheque USD cheque: US$11 per cheque RMB cheque: RMB 80 per cheque HKD cheque: HK$200 per cheque USD cheque: US$26 per cheque Priority Banking Customers - Prime - 1% p.a.* Preferred Banking Customers - Prime* Easy Banking Customers - Prime + 4% p.a.* International Trade Account Customers - Prime + 6% p.a.* Standard Chartered Non Relationship Banking Customers, Preferred SME Banking Customers & SME Banking Customers - Prime + 8% p.a. * Only applicable to overdraft amount up to the protection limit as agreed by the Bank. Any overdraft amount exceeding the said limit (If the Bank at its sole discretion allows) will be subject to overdraft interest rate at Prime + 8% p.a. Priority Banking Customers - HK$60 per item International Trade Account Customers - HK$70 per item Preferred SME Banking Customers - HK$80 per item Preferred Banking Customers - HK$100 per item SME Banking Customers - HK$100 per item Easy Banking Customers and Standard Chartered Non Relationship Banking Customers - HK$120 per item Priority Banking - Savings Rate^ + 0.02% p.a. Preferred Banking, Easy Banking Customers, Non Relationship Banking Customers & All SME Banking Customers - Savings Rate^ For the Hong Kong Dollar Savings Account with account balance below HKD10, 0% deposit rate will be applied. Priority Banking, Preferred Banking, Easy Banking, Non Relationship Banking Customers & All SME Banking Customers - Savings Rate^ For the Foreign Currency Savings Account with the account balance below as listed, 0% deposit rate will be applied. AUD 200 EUR 200 RMB 200 CAD 200 GBP 200 USD 200 CHF 200 NZD 200 JPY 20,000 2

Low Balance Inactive Fee Low balance Monthly Maintenance Fee Applicable to non-packaged customers with combined average daily deposit balance less than HK$10,000 per month(including HKD savings and current accounts, Renminbi savings and current accounts, foreign currency savings and current accounts) Report Loss of Passbook/Chop Account Closed within 3 months from Date of Account Opening Early Uplift of Time Deposit For Savings and Current accounts that have been inactive for 1 year, the following charges will be applied every 6 months if the balance falls below the specifi ed amount: Currency& Amount Fee Currency& Amount Fee HKD2,000 HKD100 JPY30,000 JPY1,500 AUD400 AUD15 NZD400 NZD15 CAD400 CAD15 USD200 USD15 CHF400 CHF15 EUR200 EUR15 GBP200 GBP15 RMB2,000 RMB100 HK$100 per month Note: The fee will be waived for below customers: Seniors citizens aged 65 and above Customers aged below 18 Customers who hold any one of the following products/services: Priority Banking, Standard Chartered Preferred Banking, Easy Banking, Click-a-count, overdrafts, loans, mortgages, InvestPro, Investment funds, Investment Fund Monthly Investment Plans, insurance plans, time deposits, Goldenlink Passbook Savings Account, MoneyBuilder, auto-payroll Recipients of government disability allowances, allowance for elderlies, or Comprehensive Social Security Assistance HK$50 per account HK$100 per account Subject to the Bank s discretion and penalty. The penalty amount is calculated based on the following formula: Standing Instructions Per set up Per amendment Per rejected item due to insuffi cient fund Direct Debit Authorisation Returned item due to insuffi cient fund Time Deposit Principal X (Best Lending Rate # - Time Deposit Interest Rate) X no. of Days Due to Maturity / Total no. of Days in A Year HK$100^ HK$100 HK$150 HK$150 per item ATM Card Annual Fee Relationship Banking Customers - Free + All SME Banking and Non Relationship Banking Customers - HK$55 per card * Click-a-Count ATM Card - Free Replacement of Lost ATM Card Priority Banking Customers - Free Preferred Banking, Easy Banking and Non Relationship Banking Customers - HK$50 per card Click-a-Count ATM Card - Free # The Best Lending Rate will be determined by Standard Chartered Bank (Hong Kong) Limited from time to time. ^ The set up fee will be waived for Priority Banking customers, and using the Click-a-Count transaction account to set up the standing instruction. + Applicable to the fi rst ATM Card application * The fee will be waived for Senior Citizens aged 65 or above for ATM simplifi ed services. 3

ATM Cash Withdrawal from Savings or Current Accounts Handling Fee (not applicable to credit card cash advance) Tele-electronic Banking Services Annual Fee foreign exchange services Renminbi and Foreign Currency Notes Deposit into / Withdraw from the same Currency Account For amount below or equal to the stated limit per customer per day For amount above the stated limit per customer per day Renminbi and Foreign Currency Notes Exchange Cheque Purchase Deposit into a HKD account Deposit into the same currency account Returned unpaid Outward Cheques Deposit into a HKD account Deposit into the same currency account Returned unpaid Cheque Sent for Collection Cheque sent for collection Returned unpaid JETCO Network - Local : Free - Overseas (outside Hong Kong area) : HK$28 Δ Visa / PLUS Network : HK$28 Δ MasterCard/Cirrus Network : HK$28 Δ UnionPay Network : HK$15 #Δ # The fee is RMB12 for cash withdrawals using dual currency ATM cards in the Mainland China. Δ The fee is waived for overseas cash withdrawals using Priority Banking cards / Priority Banking credit cards. Relationship Banking & All SME Banking Customers - Free Non Relationship Banking Customers - HK$150 Click-a-Count Customers - Free Limit on Currency & Amount: AUD1,000 CAD1,000 CHF1,000 EUR1,000 GBP1,000 JPY150,000 NZD1,000 USD2,500 RMB10,000 Free 0.25% of total deposit / withdrawal amount Standard Chartered Customers - Free Non Standard Chartered Customers - HK$50 per transaction 0.25% (minimum HK$50) on cheque amount plus postage and correspondent bank s charges if applicable 0.375% (minimum HK$60) on cheque amount plus postage and correspondent bank s charges if applicable HK$150 per cheque plus correspondent bank s charges if applicable Postage plus correspondent bank s charges if applicable 0.5% (minimum HK$50) on cheque amount plus postage and correspondent bank s charges if applicable HK$150 per cheque plus correspondent bank s charges if applicable HK$200 per cheque plus postage and correspondent bank s charges if applicable HK$150 per cheque plus correspondent bank s charges if applicable 4

outward remittances Demand Draft Telegraphic Transfer (including cable charge) Additional Telex Fee for Non-Domicile Currency Telegraphic Transfer Correspondent Bank Charges Charge to applicant s account CHATs (local TT) HKD USD EUR CNY Fund Transfer to Other Local Banks through Internet Banking Surcharge on odd currency transfer (odd currencies include Taiwan dollars, Korean Wons, Fiji dollars) Draft & Telegraphic Transfer Service Amendment / cancellation & refund Letter / telex enquiry Chinese character encoding Rejected due to insuffi cient fund Priority Banking Customers - HK$60 per item Preferred Banking and Easy Banking Customers - HK$80 per item Preferred SME Banking and International Trade Account Customers - HK$96 per item Non Relationship Banking and SME Banking Customers - HK$120 per item Priority Banking Customers - HK$120 per request*^ International Trade Account Customers - HK$140 per request* Preferred SME Banking Customers - HK$160 per request* Preferred Banking Customers - HK$170 per request* Easy Banking, Non Relationship Banking and SME Banking Customers - HK$200 per request* Non Standard Chartered Customers - HK$300 per request* Priority Banking Customers - HK$60 per request*^ International Trade Account Customers - HK$70 per request* Preferred SME Banking Customers - HK$80 per request* Preferred Banking Customers - HK$85 per request* Easy Banking, Non Relationship Banking, SME Banking Customers and Non Standard Chartered Customers - HK$100 per request* Full amount (minimum HK$250) HK$170 (or equivalent) per payment US$22 (or equivalent) per payment 22 (or equivalent) per payment RMB 170 (or equivalent) per payment Free HK$200 per item*^ HK$250 per item* HK$250 per item* # HK$150 per request # HK$100 per item * Plus correspondent bank charges (if applicable) ^ The fee is waived for Priority Banking Customers making transfer to overseas Standard Chartered Bank accounts. # Those fees related to Telegraphic Transfer Services will be waived for Priority Banking customers making transfer to overseas Standard Chartered Bank accounts. 5

inward remittances CHATs (local TT) HKD USD EUR CNY Telegraphic Transfer Priority Banking Customers - Free Preferred Banking Customers - HK$5 / US$0.65 / 0.70 / RMB 5 per transaction Easy Banking, Non Relationship Banking and All SME Banking Customers - HK$15 / US$1.95 / 2.10 / RMB 15 per transaction Priority Banking Customers - Free Preferred Banking Customers - HK$24.75 / US$3.15 / 3.06 / RMB 24.75 per transaction International Trade Account Customers - HK$38.5 / US$4.9 / 4.76 / RMB 38.5 per transaction Preferred SME Banking Customers - HK$44 / US$5.6 / 5.44 / RMB 44 per transaction Easy Banking, Non Relationship Banking, SME Banking and Other Customers - HK$55 / US$7 / 6.8 / RMB 55 per transaction travellers cheques Encashment 0.375% of total cheque amount (minimum HK$100) general services Gift Cheque Issuance of HKD Cashier s Order Issuance of USD Cashier s Order Issuance of RMB Cashier s Order All Standard Chartered Customers aged 65 or above - Free Priority Banking and Standard Chartered Visa Infi nite Card Customers - HK$5 per cheque Preferred Banking, Easy Banking, Non Relationship Banking and All SME Banking Customers - HK$10 per cheque Non Standard Chartered Customers - HK$20 per cheque Priority Banking and Standard Chartered Visa Infi nite Card Customers - HK$30 per item Preferred Banking, Easy Banking, Non Relationship Banking Customers, All SME Banking and Other Customers - HK$50 per item Non Standard Chartered Customers - HK$100 per item Priority Banking and Standard Chartered Visa Infi nite Card Customers - US$4 per item Preferred Banking, Easy Banking, Non Relationship Banking Customers, All SME Banking and other Customers - US$6 per item Non Standard Chartered Customers - US$13 per item Priority Banking and Standard Chartered Visa Infi nite Card Customers - RMB 25 per item Preferred Banking, Easy Banking, Non Relationship Banking Customers, All SME Banking and other Customers - RMB 40 per item 6

general services Report Lost of Cashier s Order Cancellation / Repurchase of Cashier s Order Account History Report for Passbook Accounts Within 1 year from date of request Within 2 years from date of request Beyond 2 years from date of request Request for Copy of Documents including Paid Cheques, Statements, Vouchers and Transaction Advices Within the past 60 days inclusive from date of request Beyond the past 60 days from date of request Letter of Reference Certifi cate of Balances / Banker Endorsement Personal Data Access Request Company Search Local company search Overseas company search Overseas Company Account Set Up Audit Confi rmation Facsimile Banking Facsimile Banking and Courier Services Click-a-Count Transaction Account Branch counter transaction service fee (include cash withdrawal, fund transfer to any deposit account(s) maintained with the Bank or other bank(s) and credit card payment) Coin Exchange Bulk Cash Deposit Up to HK$50,000 per customer per day Over HK$50,000 per customer per day Bulk Coins Deposit (must be presorted) Below 500 pieces per customer per day 500 pieces or above per customer per day Bulk Cheque Deposit First 30 pieces per day Over 30 pieces per day - Per cheque without pre-fi lled multi-cheque form - Per cheque with pre-fi lled multi-cheque form HK$300 per cheque (circular issued by the Clearing House of HKAB) plus HK$50 Priority Banking Customers - Waived Other Customers - HK$50 per item HK$250 per account HK$750 per account HK$1,000 per year per account HK$30 per page HK$50 per page Priority Banking Customers - HK$200 per item Preferred Banking, Easy Banking, Non Relationship Banking and All SME Banking Customers - HK$300 per item Priority Banking Customers - HK$75 per item Preferred Banking, Easy Banking, Non Relationship Banking and All SME Banking Customers - HK$150 per item HK$200 per request All SME Banking Customers - HK$100 per search All SME Banking Customers - minimum HK$2,000 per search (According to the Bank s actual expenses) HK$2,000 per company HK$200 per account (minimum HK$500) HK$300 per month HK$500 per month HK$20 per transaction HK$2 per sachet Free 0.5% of total deposit amount Free 2% of total deposit amount (minimum HK$50) Free HK$2 HK$1 7

mortgage services Arrangement Fee Updated Repayment Schedule Breakdown of Early Redemption Figures Repayment History (for one year) Bank Confi rmation Lease Consent Letter Copy of Assignment or Mortgage Deed Mortgage Deed Discharge Fee 1 Change of (per request) Repayment Account 1 Tenor 2 Payment Due Date 2 Repayment Method 2 Repayment Amount 2 Loan Terms other than the above Change of Mortgage Plan Change Mortgagor / Guarantor / Mortgage Deed Fire Insurance Valuation Fee (insured sum based on reinstatement value) Review fee for fi re insurance policy 1 (applicable for self-arranged / master fi re insurance policy) Early Redemption Administration Fee 3 Partial Prepayment Administration Fee 1 Early Redemption Charge/Partial Prepayment Charge/Administration Fee for Loan Cancellation Late Payment Charge Administration Fee for Late Payment MortgageOne Account Arrangement Fee Annual Maintenance Fee Monthly Deposit Service Charge Loan Limit Adjustment - Increase Limit - Decrease Limit 1 2 3 This fee / charge is not applicable for those loans Standard Chartered Bank (Hong Kong) Limited act as servicing agent (hereinafter called Servicing Loan ). For Servicing Loan, HK$400 per request These fees / charges will apply if the request is made within the fi rst year of loan drawdown HK$1,000 HK$100 per account HK$60 per account HK$100 per document HK$100 per account HK$1,000 per request HK$200 per document HK$500 per account HK$1,000 HK$1,000 HK$1,000 HK$1,000 HK$1,000 HK$500 HK$2,000 per request HK$1,000 per request HK$1,000 per year HK$200 per policy per year HK$1,000 per request HK$1,000 per request As per applicable Letter of Offer/Letter of Confi rmation 5% of the amount of principal and interest outstanding in respect of that overdue sum HK$130 per loan account for each overdue repayment HK$2,000 HK$500 As per applicable Letter of Offer HK$1,000 (including valuation fee) HK$600 OR as per applicable Letter of Offer 8

FamilyLink Annual Fee Account Linkage Fee Linkage / Delinkage of Specifi ed Accounts Change of Bonus Interest Portions Change of Interest Offset Function Copy of LinkOne advice(s) - Within the past 60 days inclusive from date of request - Beyond the past 60 days from date of request Copy of LinkOne Monthly Statement - Statement issued within past 2 months - Statement issued beyond the past 2 months Payment Holiday Home Equity Overdraft & Mortgage Overdraft Renewal Fee Cancellation Fee Overdraft Limit Amount Amendment Fee Minimum Interest (applicable to account where there is interest incurred for the month) Handling Fee for Payment of Government Charges Property Title Deed Custodian Fee for Full Paid-off Mortgages (applicable to property where the property title deeds remain uncollected) HK$500 (up to linkage of 1 Specifi ed Mortgage Loan Account and 3 Specifi ed Accounts) HK$500 per additional Specifi ed Account HK$500 per linkage / delinkage of Specifi ed Account(s) (including any necessary rearrangement) HK$500 per request HK$500 per request HK$30 per page HK$50 per page HK$30 per copy HK$50 per copy HK$500 per request 1% of the overdraft limit amount on each anniversary 1% of overdraft limit amount if cancellation occurs within the fi rst 2 years of granting the facility (not applicable to Mortgage Overdraft) 0.5% of the newly approved overdraft limit amount HK$20 or the actual amount of interest incurred, whichever is higher HK$500 HK$5,000 per property per year 9

credit facilities Personal Instalment Loan Handling Fee Early Redemption Penalty Late Repayment Charge Tax Loan Early Redemption Penalty Late Repayment Charge Personal Line of Credit Annual Fee Late Repayment Charge 1-2% p.a. on drawdown amount 2.5% of the total redeemed amount HK$1,000 per month 2.5% of the total redeemed amount HK$1,000 per month 1% of the overdraft limit (minimum HK$200, maximum HK$700 per annum) A late repayment surcharge of HK$70 if minimum monthly repayment is not received on monthly repayment date revolving cash card Annual Fee Interest Basic Interest Rate Fail to pay Minimum Payment Due by Payment Due Date for such number of instances as determined by the Bank from time to time Transaction Handling Fee (per transaction) For each cash withdrawal made by using of the card Late Charge / Late Fee Fail to pay Minimum Payment Due by Payment Due Date Fail to pay Minimum Payment Due for 3 consecutive months Returned items (Cheque or Direct Debit Authorisation) Lost Card Replacement Foreign Currency Cheque Repayment Overlimit Handling Charge Last statement balance exceeded assigned credit limit Statement Retrieval Fee Statement issued within the latest 2 months Statement issued beyond the latest 2 months Credit Balance Withdrawal By cheque / cashier s order Note: For Revolving Cash Card accounts opened before 30 May 2001 Annual Fee: HK$100; Refer to table for other service charges. HK$100-300 or 1% of credit limit Subject to approved credit limit^ A rate as determined by the Bank from time to time is chargeable in addition to the basic interest rate^ 1% of the withdrawal amount (minimum HK$50) 8% of Minimum Payment Due (minimum HK$100) Extra HK$100 HK$120 per item HK$100 per card account HK$100 per cheque HK$130 per statement cycle HK$30 per copy HK$50 per copy HK$75 ^ Please call our 24-hour Customer Service Hotline at 2886 4111 for enquiry on the rate applicable to you. 10

credit cards* Annual Fee Principal Card Classic Visa / MasterCard / executive / Shop'n Gain Credit Card HK$250 per annum Visa Gold / Gold MasterCard HK$550 per annum Titanium MasterCard HK$600 per annum Visa Platinum / Platinum MasterCard / executive platinum Card / Shop n Gain Visa Platinum / JOS Visa Business Platinum Card HK$1,800 per annum Preferred Banking Credit Card HK$1,800 per annum Priority Banking Credit Card HK$2,400 per annum Visa Infi nite Card HK$6,000 per annum The Standard Chartered American Express Card - Waived Click-a-Count Titanium Credit Card - Waived MANHATTAN Platinum Visa / Platinum MasterCard HK$1,800 per annum MANHATTAN Titanium MasterCard / Gold Visa / Gold MasterCard HK$600 per annum MANHATTAN 21 / Infi nity HK$330 per annum Visa / MasterCard HK$216 per annum Supplementary Card^^^ Classic Visa / MasterCard / executive / Shop n Gain Credit Card HK$125 per annum + Visa Gold / Gold MasterCard HK$275 per annum Titanium MasterCard HK$300 per annum + Shop n Gain Visa Platinum Credit Card HK$900 + Visa Platinum / Platinum MasterCard / executive platinum Credit Card / Preferred Banking Credit Card - Waived + Priority Banking Credit Card - Waived ++ Visa Infi nite Card - Waived +++ The Standard Chartered American Express Card - Waived MANHATTAN Platinum Visa / Platinum MasterCard HK$900 per annum MANHATTAN Titanium MasterCard / Gold Visa / Gold MasterCard HK$300 per annum MANHATTAN 21 / Infi nity HK$160 per annum Visa / MasterCard HK$108 per annum Reduced Annual Fee on any subsequent Standard Chartered Credit Cards sharing a combined credit limit (Principal Card Only) Annual Rewards Scheme Fee (applicable to The Standard Chartered American Express Card) Principal Card Supplementary Card Finance Charge (Retail Purchase) Interest Rate - Standard Chartered Corporate Credit Card - MANHANTTAN Credit Card - Other Credit Cards Fail to pay Minimum Payment Due by Payment Due Date for such number of instances as determined by the Bank from time to time * Including Credit Cards issued by Standard Chartered Bank (Hong Kong) Limited and together with other organisations. + Free for up to 3 Supplementary Credit Cards, annual fee for each subsequent Supplementary Credit Card is HK$900. ++ Free for up to 3 Supplementary Priority Banking Credit Cards, annual fee for each subsequent Supplementary Priority Banking Credit Card is HK$1,200. +++ A maximum of 3 Supplementary Cards can be issued for each Principal Visa Infi nite Card Cardholder. Classic Visa / MasterCard HK$125 Visa Gold / Gold MasterCard HK$275 (except Platinum Credit Card, Co-branded and Corporate card) The Standard Chartered American Express Card HK$250 per annum The Standard Chartered American Express Card HK$125 per annum 0.067% per day (APR^ 25.5%) or the prevailing interest rate applicable to you^^ as notifi ed by the Bank from time to time 2.5% per month (APR^ 32.3%) or the prevailing interest rate applicable to you^^ as notifi ed by the Bank from time to time 0.082% per day (APR^ 31.7%) or the prevailing interest rate applicable to you^^ as notifi ed by the Bank from time to time A rate as determined by the Bank from time to time is chargeable in addition to the prevailing interest rate applicable to you^^ ^ The Annualised Percentage Rate ("APR") is calculated according to the Net Present Value Method as specifi ed in the Code of Banking Practice and is for reference only, inclusive of Cash Advance Handling Fee (if applicable). ^^ It will be subject to the default maximum rates for interest on cash advance and fi nance charge. Please call our 24-hour Customer Service Hotline at 2886 4111 to ascertain your prevailing interest rate / applicable rate. ^^^ Supplementary Card is not applicable to MANHATTAN id Platinum and MANHATTAN id. 11

Cash Advance Fee Interest Rate (inclusive of Handling Fee) - MANHANTTAN Credit Card Fail to pay Minimum Payment Due by Payment Due Date for such number of instances as determined by the Bank from time to time Handling Fee - Over the Counter or via JETCO ATM, Visa / MasterCard International ATM Network Default Interest (applicable to The Standard Chartered Corporate Credit Card) - Fail to pay Minimum Payment Due by Payment Due Date in the past 1 month - Fail to pay Minimum Payment Due by Due Date for 2 times or more in the past 12 months Finance Charge / Cash Advance Interest Applicable to MANHATTAN Credit Card only - Fail to pay Minimum Payment by Payment Due Date in the past 1 month - Fail to pay Minimum Payment by Payment Due Date for 2 times or more in the past 12 months Applicable to The Standard Chartered Credit Card only - Fail to pay Minimum Payment Due by Payment Due Date in the past 1 month - Fail to pay Minimum Payment Due by Payment Due Date for 2 times or more in the past 12 months Applicable to The Standard Chartered Corporate Credit Card only - Fail to pay Minimum Payment Due by Payment Due Date for 2 times or more in the past 12 months For the avoidance of doubt, where the above mentioned situations apply, the Bank reserves the right to impose the higher rate of fi nance charge. Late Charge / Late Fee Fail to pay Minimum Payment Due by Payment Due Date - Applicable to The Standard Chartered Corporate Credit Card only Fail to pay Minimum Payment Due for 3 consecutive months or more Returned items (Cheque or Direct Debit Authorisation / Rejected Autopay or Flexipay) Card Replacement Fee ^ The Annualised Percentage Rate ("APR") is calculated according to the Net Present Value Method as specified in the Code of Banking Practice and is for reference only, inclusive of Cash Advance Handling Fee (if applicable). 0.082% per day (APR^ 34.7%) or the prevailing interest rate applicable to you^^ as notifi ed by the Bank from time to time 2.5% per month (APR^ 35.3%) or the prevailing interest rate applicable to you^^ as notifi ed by the Bank from time to time A rate as determined by the Bank from time to time is chargeable in addition to the prevailing interest rate applicable to you^^ 3.5% of transaction amount (minimum HK$100) 0.014%^^ per day in addition to the previling interest rate applicable to you (calculated from the next calendar day of the "Statement Date" of the following Statement to the "Statement Date" of the second following Statement) 0.014%^^ per day in addition to the previling interest rate applicable to you (calculated from the next calendar day of the "Statement Date" of the relevant Statement to the "Statement Date" of the following Statement) 0.42%^^ per month in addition to the prevailing interest rates for interest on finance charge and cash advance applicable to you (calculated from the next calendar day of the "Statement Date" of the following Statement to the "Statement Date" of the second following Statement) 0.5%^^ per month in addition to the prevailing interest rates for interest on finance charge and cash advance applicable to you (calculated from the next calendar day of the "Statement Date" of the relevant Statement to the "Statement Date" of the following Statement) 0.014%^^ per day in addition to the prevailing interest rates for interest on finance charge and cash advance applicable to you (calculated from the next calendar day of the "Statement Date" of the following Statement to the "Statement Date" of the second following Statement) 0.0165%^^ per day in addition to the prevailing interest rates for interest on finance charge and cash advance applicable to you (calculated from the next calendar day of the "Statement Date" of the relevant Statement to the "Statement Date" of the following Statement) 0.022%^^ per day in addition to the prevailing interest rates applicable to you (calculated from the next calendar day of the "Statement Date" of the relevant Statement to the "Statement Date" of the following Statement) Previous Outstanding Statement Balance Amount Late Charge HK$2,500 or less HK$180 Above HK$2,500 to HK$5,000 HK$200 Above HK$5,000 HK$250 5% of Minimum Payment Due (minimum HK$130, maximum HK$200) Extra HK$100 HK$120 per item HK$100 per credit card account ^^ It will be subject to the default maximum rates for interest on cash advance and finance charge. Please call our 24-hour Customer Service Hotline at 2886 4111 to ascertain your prevailing interest rate / applicable rate. 12

Charge for Foreign Currency Cheque Repayment Applicable to MANHATTAN Credit Card only Sales Draft Retrieval Fee Photocopy - Applicable to MANHATTAN Credit Card only Original Copy Statement Retrieval Fee Applicable to The Standard Chartered Corporate Credit Card - Statement issued within the latest 2 months (photocopy) - Statement issued beyond the latest 2 months (photocopy) Cash Withdrawal Fee By cheque / cashier's order - Applicable to MANHATTAN Credit Card By transfer to Standard Chartered account Overlimit Handling Charge Last statement balance exceeded assigned credit limit (not applicable to The Standard Chartered Visa Infi nite Card and The Standard Chartered Corporate Credit Card) Logo Printing Fee (only applicable to JOS Visa Business Platinum Card) Instalment Plan Early Repayment Handling Charge (not applicable to The Standard Chartered American Express Card, Standard Chartered Corporate Credit Card and JOS Visa Bussiness Platinum Card) Minimum Payment Due Applicable to MANHATTAN Credit Card only Applicable to The Standard Chartered Credit Card only Applicable to The Standard Chartered American Express Card only + All other applicable fees and charges as determined by the Bank at its discretion from time to time inculding but not limited to any outstanding billed insurance premium for Credit Shield / Credit Shield Plus Plan. The Bank reserves the right to defi ne and change the fees and charges by notice. ++ The "New Balance" on the Card Account in the monthly statement excluding items a and b hereof, where applicable. HK$100 per cheque Minimum HK$15, Maximum HK$100 per cheque HK$40 per copy HK$50 per copy HK$70 per copy HK$50 per copy HK$30 per copy HK$50 per copy HK$75 per cheque Free HK$180 per statement cycle HK$200 per card (upon card issuance and renewal) HK$150 per plan For all MANHATTAN Credit Card Cardholders (including those Cardholders who apply for any MANHATTAN "Credit Cash" Instalment Program on or after 29 September 2008): a) the total of the outstanding billed interest and other Involuntary Charges; and b) the total of any other outstanding billed fees and Charges + ; and c) the total of the over-limit amount and/or the overdue amount (where applicable); and d) 1% of Statement Balance ++. The Minimum Payment Due is the aggregate amount of all the above items or HK$100 (applicable to Platinum Credit Card)/HK$50 (applicable to other credit cards), whichever amount is higher. For all Standard Chartered Credit Card Cardholders (including those Cardholders who apply for any Standard Chartered Credit Card "Instalment Credit" Program on or after 29 September 2008): a) the total of the outstanding billed interest and other Involuntary Charges; and b) the total of any other outstanding billed fees and Charges + ; and c) the total of the over-limit amount and/or the overdue amount (where applicable); and d) 1% of Statement Balance ++. The Minimum Payment Due is the aggregate amount of all the above items or HK$50, whichever amount is higher. For all Standard Chartered American Express Card Cardholders (including those Cardholders who apply for any Standard Chartered Credit Card "Instalment Credit" Program on or after 29 September 2008): a) the total of the outstanding billed interest and other Involuntary Charges; and b) the total of any other outstanding billed fees and Charges + ; and c) the total of the over-limit amount and/or the overdue amount (where applicable); and d) 1% of Statement Balance ++. The Minimum Payment Due is the aggregate amount of all the above items or HK$50, whichever amount is higher. 13

Transactions in Currencies other than Hong Kong Dollars incurred outside of Hong Kong or in Hong Kong (applicable to Visa / MasterCard) Transactions in Hong Kong Dollars incurred outside of Hong Kong (applicable to MasterCard) Foreign Currency Transactions (applicable to The Standard Chartered American Express Card only) (applicable to The Standard Chartered Corporate Credit Card only) Cash Advance Limit Applicable to The Standard Chartered Corporate Credit Card only # The current reimbursement charges imposed by Visa / MasterCard International on the Bank for transactions in currencies other than Hong Kong Dollars incurred outside of Hong Kong is 1%. MasterCard International will also impose a reimbursement charge of 0.2% on the Bank for transactions in currencies other than Hong Kong Dollars incurred in Hong Kong. ^ The current reimbursement charges imposed by Visa / MasterCard International on the Bank for transactions in currencies other than Hong Kong Dollars incurred outside of Hong Kong is 1%. Notes: i) The Bank reserves the right to vary the fees / charges for customers based on their account record from time to time by notice. ii) The above items may from time to time be varied by notice to customers. iii) The provision of Credit Card services to you is subject to your acceptance of the above charges and the relevant Terms and Conditions. In case you have any comment on the agreement and / or charges, please write to Standard Chartered Bank (Hong Kong) Limited, P.O. Box 68397, Kowloon East Post Offi ce, Hong Kong. iv) If there is any inconsistency or confl ict between the English and Chinese versions, the English version shall prevail. All transactions effected in a currency other than Hong Kong Dollars will be converted from the transaction currency into Hong Kong Dollars at a wholesale market rate selected by Visa / MasterCard International from within a range of wholesale market rates or the governmentmandated rate in effect on the date when Visa / MasterCard International process the transactions plus 0.95% imposed by the Bank and a reimbursement charge # representing the charge imposed by Visa / MasterCard International on the Bank. Such exchange rate may differ from the rate on the transaction date due to market fl uctuation. MasterCard International will impose a reimbursement charge of 0.8% on the Bank for transactions in Hong Kong Dollars incurred outside of Hong Kong. Such charge will be debited from the Card Account directly. For the Standard Chartered American Express Card, all settlements will be made in Hong Kong Dollars. A charge that is made in a foreign currency other than US Dollars, when the conversion is done by American Express, will be converted into US Dollars before being converted into Hong Kong Dollars. Foreign charges will be converted by American Express at a range of rates selected by American Express in effect on the date when American Express process the transactions and are subject to a conversion fee of 1.25% applied by American Express plus 0.75% imposed by Standard Chartered Bank (Hong Kong) Limited. All transactions effected in a currency other than Hong Kong Dollars are converted from the transaction currency into Hong Kong Dollars at a wholesale market rate selected by VISA International from within a range of wholesale market rates or the government-mandated rate in effect on the conversion day plus 0.95% imposed by the Bank and a reimbursement charge^ representing the charge imposed by VISA International on the Bank. Such exchange rate may differ from the rate on the transaction date due to market fl uctuation. Your Cash Advance Limit will be reviewed from time to time by the Bank. Your latest Cash Advance Limit at any relevant time can be ascertained by calling our 24-hour Customer Service Hotline. Your Cash Advance Limit will be reviewed from time to time by the Bank. Your latest Cash Advance Limit at any relevant time can be ascertained by calling Standard Chartered Corporate Creadit Card 24-hour Customer Service Hotline at 2886 5833. 24-Hour Customer Service Hotline MANHATTAN Credit Card Customer Service Hotline : 2881 0888 MANHATTAN Titanium Credit Card Customer Service Hotline : 2902 7388 MANHATTAN Platinum Credit Card Customer Service Hotline : 2210 2288 Standard Chartered Platinum Credit Card / : 2886 9338 Standard Chartered Executive Platinum Credit Card / Standard Chartered Shop n Gain Platinum Credit Card Customer Service Hotline Standard Chartered JOS Visa Business Platinum Credit Card Customer Service Hotline : 2282 3423 Standard Chartered Credit Card / Standard Chartered Titanium Credit Card / : 2886 4111 Standard Chartered Co-brand Credit Card / Standard Chartered Executive Credit Card / Standard Chartered Shop n Gain Credit Card / Standard Chartered Amercian Express Card Customer Service Hotline Standard Chartered Visa Infi nite Card Customer Service Hotline : 2267 2218 Priority Banking Credit Card Customer Service Hotline : 2886 8866 Preferred Banking Credit Card Customer Service Hotline : 2886 8877 Standard Chartered Corporate Credit Card Customer Service Hotline : 2886 5833 14

investment fund services Transfer Charges Transfer of investment funds to Standard Chartered Bank (Hong Kong) Limited, from another fi nancial institution Transfer of investment funds from Standard Chartered Bank (Hong Kong) Limited, to another fi nancial institution Transfer of investment funds between Investment Fund accounts within Standard Chartered Bank (Hong Kong) Limited Other Charges Such as subscription, redemption, annual management fee, etc Service Charge on switching of investment funds within the same fund house Remittance Fee on payment of monies from fund redemption * An equivalent amount will be levied according to the currency of the fund. debt securities services Purchase / Sell Transaction (for secondary market transaction only) Safe Custody Interest Collection Maturity Redemption (Cash) Maturity Redemption (Stock Delivery) Transfer In / Out Request The subscription fees for other debt securities (such as notes and certificates of deposit) will vary according to each issue. equity linked investment services Subscription Early Withdrawal Interest collection Maturity redemption (cash) Maturity redemption (stock delivery) wealth fi nancing services Floating Overdraft Facility Secured by Deposit Interest Rate (p.a.) Interest is charged on daily outstanding balance only. ^ Prime Rate means the Hong Kong Dollar Prime Lending Rate quoted by the Bank from time to time. Free HK$100 per fund Free In accordance with charges stated in the prospectus of individual funds 1% of the transaction value HK$100 per redeemed fund* 0.75% of debt securities' face value for each transaction Free of charge Free of charge Free of charge 0.25% Settlement fee HK$500 per request Free of charge 0.75% of Equity Linked Investment s face value Free of charge Free of charge 0.1% settlement fee Priority Banking Customer: Prime^ - 1% Preferred Banking Customer: Prime^ 15

securities services Trade-related services Securities Brokerage Phone Channel: 0.30% Online Channel: 0.20% No minimum brokerage Trade Lodgement Fee Waived Transaction Levy (by The Securities and Futures Commission of Hong Kong) 0.003% on transaction amount for each transaction Trading Fee (by The Hong Kong Exchange & Clearing Limited) 0.005% on transaction amount for each transaction Stamp Duty (by the Hong Kong Government) 0.1% on transaction amount (Rounded up to the nearest dollar) Stock Settlement Fee (by the Hong Kong Securities Clearing Company Limited) Stock Settlement-related services Transfer Deed Stamp Duty (by the Hong Kong Government) Stock Transfer-in (scripless) / Physical Share Certifi cate Deposit^ Fee Stock Transfer-Out Fee (scripless) Stock Withdrawal Fee Information services Real-time Price Quote Plan (applicable to Standard Chartered Online only) 0.002% on transaction amount, minimum HK$2, maximum HK$100 (applicable to CCASS Stock only) HK$5 for each transfer deed of new certifi cate and Duty is payable by the seller only Bank charges waived HK$1 CCASS SI instruction input fee for Stock Transfer-in For Non-CCASS stock deposit, HK$10 per board lot, minimum HK$30 HK$5 per board lot, minimum HK$30 HK$1 CCASS SI instruction input fee HK$5 per board lot, minimum HK$30 For registered or bearer debit securities safe-kept in CCASS, plus relevant CCASS charge FREE Real Time Price Quote Per month Priority Banking customers Preferred Banking customers Easy Banking / Non-Relationship Package customers 1,000 quotes 500 quotes 200 quotes Additional FREE 100 additional quotes for every executed securities transaction Quotes Subsequent charge HK$ 0.1 per quote. Minimum HK$10 per month Real-time Stock Alerts (applicable to registration via Standard Chartered Online only) SMS Email Charge HK$ 1 per quote FREE 200 per month (thereafter HK$ 0.1 / quote, minimum HK$ 10 / month). Account maintenance Custodial Fee Waived Account Maintenance Fee (Semi-Annual) HK$ 100 if no securities buy/sell transaction and maintain no stock portfolio with the Bank during January ~ June (to be debited in July) and July ~ December (to be debited in January in subsequent year) every year 16

Nominee services and corporate actions Collection of Cash Dividend Collection of Scrip Dividend Collection of Bonus Shares Corporate Action Service Fee (corporate action includes cash offer, right issue, conversion of warrants, take-over) Handling Charge for Registration of Covered Warrant (by Registrar) Other services IPO Application Fee Handling Charge for Unclaimed Entitlement Request for Copy of Statements and Contract Notes Reference Letter ^ To deposit physical stocks, please visit 15/F, Standard Chartered Tower, 388 Kwun Tong Road, Kwun Tong, Kowloon. 0.5% on dividend amount, minimum HK$30 / RMB 25, or dividend amount, whichever is lower 0.5% on value of cash equivalent, minimum HK$15 / RMB 12 For Non-CCASS Stock, plus HK$10 per board lot, minimum HK$30 For unlisted stocks, plus HK$30 per collection plus any scrip fee charged by the Registrar HK$30 / RMB 25 per collection For Non-CCASS Stock, plus HK$10 per board lot, minimum HK$30 For unlisted stocks, plus any scrip fee charged by the Registrar HK$1 per board lot For registered or bearer debt securities safe-kept in CCASS, plus relevant CCASS charge HK$200 per transaction HK$100 per application (Non-refundable) HK$150 / RMB 125 per claim Plus 0.5% on cash dividend amount claimed, minimum HK$15 / RMB 12 For bonus shares, plus HK$30 / RMB 25 per collection Plus counter-party handling charge HK$50 per statement / contract note HK$200 per item Please Note: 1. Odd lots are charged as board lots. 2. Out of pocket expenses are for account of clients. 3. For transactions in RMB, the relevant charges specifi ed in RMB apply. 4. The Securities Services Charges listed above may be subject to change. Issued by Standard Chartered Bank (Hong Kong) Limited 17