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



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

Tariff and charges for HSBC products and services Contents P Commercial & Business Commercial & Business P 42 1. 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)

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 2 0 1 4 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)

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 2 0 1 4 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)

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 2 0 1 4 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)

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 2 0 1 2. 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)

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 2 0 1 4 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)

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 2 1 2. 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) 0 1 4 Opening 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

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 2 0 1 4 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)

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 2 0 1 4 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)

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 2 0 1 4 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)

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 2 0 1 4 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)

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 2 0 1 4 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)

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) 2 1 0 1 4 Opening 2 Credit History Transfer 6 page 14 Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

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 2 0 1 4 9. 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)

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 2 0 1 4 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)

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) 2 1 0 1 4 Opening 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)

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 2 2 1 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 0 1 4 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)

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 2 0 1 4 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)

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 2 2 1 0 1 4 Opening 2 Credit History Transfer 6 page Issued by HSBC Bank Malaysia Berhad (Company No. 76-V)