banking services - hang seng bank limitedbank.hangseng.com/1/pa_1_2_s5/content/pws/personal/... ·...

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Banking ServicesFees and Charges

A. Deposit Services

B. Remittances and Foreign Exchange Services

C. Securities and Investment Funds Services

D. Credit Card Services (including Spending Card)

E. Lending Services

F. Integrated Account Services and Privileges

(Effective 1 May 2014)

The information in this guide is for customer’s reference with regard to the charges for various services offered by Hang Seng Bank Limited (the “Bank”). The Bankreserves the right to revise any fees, charges, special offers and other services from time to time. The Bank reserves the right to levy a charge on transactions conducted.For charges not listed in this guide, please contact our branches for details.

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A. Deposit Services

- 1 - This page has been revised since 1 August 2012.

Service

Cheque Book(s)delivery by Courier Service (1)

Cheque Mark Good- sent by customer- sent by Bank

Unauthorised Overdraft

Cheque Returned- due to insufficient funds- due to other reasons- due to cheque amount exceeding RMB80,000

Current Accounts

Charge

HK$150 per cheque (RMB 200**)HK$70 per cheque (RMB 50**)RMB 200 per cheque***

HK$120 per item plus interest* on overdrawn balance

Stop Cheque Payment Instruction HK$100 per cheque

HK$60 per chequeHK$200 per cheque

* Interest is calculated daily and charged monthly at the Bank’s prevailing interest rate.** Only applicable to RMB Current Account.*** Only applicable to holders of Hong Kong Identity Card who conduct RMB cheque payment for the acquisition of customer goods and / or services within

the Guangdong Province (including Shenzhen) in the Mainland China. Issuing RMB cheque for payment for the acquisition of consumer goods and / orservices within the Guangdong Province (including Shenzhen) in the Mainland China is not applicable to personal customers who are a non-Hong KongIdentity Card holder.

RMB Cheque Handling Fee- autosweeping to cover insufficient funds- switching of deposit by customer to cover insufficientfunds

1% of the total amount of transfer (min RMB: 200)1% of the deposit to cover the insufficient funds of currentaccount (min RMB: 200)

HK$25 per item

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(1) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(2) It is not applicable to personal customers.(3) Excludes Integrated Account and FlexiForex / ProForex / FlexiGold / ProGold Trading Account and Hang Seng FX and Precious Metal Margin Trading Services / Hang

Seng Advanced FX and Precious Metal Margin Trading Services Account.(4) Applicable to all Foreign Currency Account.

Low Balance Inactive Hong Kong Dollar Savings/CurrentAccount- inactive for two years and balance belowHK$2,000

Inactive Account Service Charges(2)(3)

Service ChargeFor over 2 years

HK$100 semi-annually

Low Balance Foreign Currency Savings and Foreign CurrencyDeposit/Current Account- inactive for two years and balance below

For over 2 years(4)

Payable semi-annually

U.S. Dollar 300Pound Sterling 200Euro 200Canadian Dollar 400Swiss Franc 400Australian Dollar 400New Zealand Dollar 400South African Rand 1,500Thai Baht 10,000Japanese Yen 50,000

USD 20GBP 20EUR 20CAD 20CHF 20AUD 20NZD 20ZAR 60THB 1,000JPY 2,000

Service charges shall not be applicable if deposit in any one of thesecurrencies is above the stipulated deposit level of the respectivecurrency under the Multi-foreign Currency Passbook Savings Account.

Low Balance Inactive RMB Savings/Current Account- inactive for two years and balance below RMB 2,000 RMB 50 semi-annually

For over 2 years

- 2 - This page has been revised since 9 August 2013.

A. Deposit Services (cont’d)

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Improperly conducted account closed by the Bank

Account ClosureHK$150 annually

Within three months of the date of its opening Savings Account HK$50 per accountCurrent/Integrated Account HK$200 per account

- 3 - This page has been revised since 2 April 2011

Account Balance (US$)US$1,000 and above

US Dollar Savings Deposit Rates

Deposit Rate0.001%

Below US$1,000 0%

Account Balance (RMB)RMB 5,000 and above

RMB Dollar Savings Deposit Rates

Deposit Rate0.25%

Below RMB 5,000 0%

Below HK$1,000

Account Balance (HK$)HK$150,000 and above

HK Dollar Savings Deposit Rates

Deposit Rate0.01%

HK$10,000 to HK$149,999

HK$5,000 to HK$9,999

0.01%

0.01%

0%

HK$1,000 to HK$4,999 0%

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GBPCADAUDZARJPY

Foreign Currency Savings Account with balance belowUSDEURCHFNZDTHB

1,000200500500

10,000

200500500

2,00030,000

Account Balance

Low Balance Foreign Currency Savings Deposit Rates

Deposit Rate

0%

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Service

Others

ChargeReplacement of Hang Seng Card(1)(8) /Integrated Account Card of Prestige Banking /Integrated Account Card of Preferred Banking /Integrated Account Card / M.I. Kid AssetBuilder Card /Green Banking Smart Card

HK$50 per card

Local Interbank Transfer Services- outwarde-Transfer (via Electronic Clearing System - ECG)via Personal e-Banking / Business e-Banking:

Express Transfer (via Clearing House Automated TransferSystem - CHATS) via Personal e-Banking / Businesse-Banking / Hang Seng HSBCnet #:

Via other channels:

- inward (6)

# Channels subscribed by customers

Report Loss of Passbook(1)(8) / Chop(1) HK$100 per account

Gift Cheque(1)(2)(3) HK$10 per cheque

Cashier’s Order- issuance(4)(7)

- report loss

- re-purchased(2)

Account Holder HK$50 per chequeNon-Account Holder(7) HK$100 per cheque

HK$60 per cheque(Plus: HK$300 payable to Clearing House of HKAB)Handling charge HK$50 per cheque

HK$35 per item

HK$55 per item

HK$190 per item (5) (An extra charge of HK$100 will be levied forinstruction containing Chinese characters)

HK$15 per item (5)

Reference Letter HK$300 per letter(HK$20 for each additional letter if several letters are issued atone time)

Certificate of Account Balance HK$100 per certificate(HK$100 for each additional account)

Banker’s Endorsement on Customer’s Signature HK$150 per item

- 5 - This page has been revised since 1 July 2013.

(1) Fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above.(2) Fee waiver is for the Prestige Banking Customers.(3) Preferred Banking and Green Banking Customers can enjoy a privileged service charge of HK$5.(4) Prestige Banking Customers can enjoy a privileged service charge of HK$25, and fee waiver is for customers with Senior Citizen Cards or customers aged 65 or

above. No privilege or fee waiver will be given to the issuance of Cashier’s Order for the purpose of IPO subscription.(5) or its equivalent in the relevant currency. The exchange rate is determined by Hang Seng Bank Limited from time to time.(6) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(7) RMB Cashier’s Order: This service is not available to non-account holder.(8) Exemptions apply to customers aged below 18, recipients of Comprehensive Social Security Assistance (supporting documents required) and persons who present

a proof of disability document (e.g. document of receiving government disability allowance).

Cheque send to Guangdong and / or Shenzhen for cheque clearingCurrency of ChequeHK$US$

GD SZHK$50 HK$50N.A. HK$100

HKD Macau Cheque Encashment HK$60 per transaction plus0.25% on deposit amount(Min.: HK$160 per transaction)

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Service

Others

ChargeCompany Search Fee- local company- overseas company- FATF Member Countries (1)

- Non-FATF Member Countries (1)

HK$150 per account

HK$2,000 per accountHK$8,000 per account

- 6 - This page has been revised since 1 May 2014.

Bank Confirmation for Audit Purpose HK$200 per account balance(Max.: HK$1,200 ; Min.: HK$400)Additional copies: HK$100 per copy

Account History Record of Savings or TimeDeposit Accounts- for 1/2/3 year(s)- for more than 3 years

HK$250/HK$750/HK$1,000 per accountHK$1,000 per year thereafter

Photocopying of:- statement (per cycle)(No service charge for applying a copy of the consolidationstatement listing the unposted items of passbook account.)

- cheque/voucher/transaction adv (per copy)

HK$50 per cycle or per copy

Issuance of Overdraft Interest Statement (per cycle) HK$300 per copy

Coin Changing Charges(2) HK$2 per sachet

Standing Instruction:- set up / amendment(3)(4)

- returned due to insufficient funds

HK$70 per item - transfer to Hang Seng BankHK$100 per item - transfer to other banksHK$150 per item

Set Up Direct Debit Authorisation (5) Transfer to Hang Seng Bank NilTransfer to other banks HK$30 per item(Transfers to HKSAR Government, Public Utilities, Educational,Charitable Institutions and The Hong Kong Jockey Club are exempted)

Handling Letter of Instruction for Fund Transfer HK$150 per transfer

Autopay Returned Due to Insufficient Funds HK$150 per item

Special Mailing Instruction HK$1,000 per account per year

Bulk Cheque Deposit per customer per day- Up to 30 pieces- Over 30 pieces

FreeHK$1 per additional cheque(6)

Bulk Cash Deposit per customer per day (Applicable to allcurrencies)- Up to 500 pieces of notes- Over 500 pieces of notes

Free0.25% on deposit amount (min. HK$50)

Bulk Coins Deposit per customer per day- Up to 500 coins- Over 500 coins

Free2% on deposit amount (min. HK$50)

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ATM Savings Account Counter Service Fee- transfer / cash withdrawal(7)(8)

Transaction Charges

Below Balance Service Fee(9)

- HKD Passbook / Statement Savings Account

- ATM Passbook / ATM Statement Savings Account

HK$20 per transaction

The Bank reserves the right to levy a charge on transactionsconducted

HK$50 per month if average daily balance of account belowHK$5,000Not subject to Below Balance Service Fee

Personal data access request Circumstantial( maximum HK$500 per request) (10)

Service

Others

Charge

- 7 - This page has been revised since 2 September 2013.

HKD account transactions conducted through branches percustomer per calendar month (11)

50 transactions or below FreeAbove 50 transactions HK$30 per transaction

(1) For member list of Financial Action Task Force (FATF), please refer FATF organization website for details.(2) Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet.(3) Standing Instruction set up fee waiver is for the Integrated Account of Prestige Banking, Preferred Banking and Green Banking and is not applicable to other

account(s) under the name of the same customer. Standing Instruction amendment fee waiver is for the Integrated Account of Prestige Banking and is notapplicable to other account(s) under the name of the same customer.

(4) Fee waiver is for customers with Senior Citizen Cards or customers aged 65 or above.(5) Fee waiver is for Integrated Account of Prestige Banking, Preferred Banking, Green Banking and Integrated Account and is not applicable to other account(s) under

the name of the same customer. If there is no transaction recorded under this direct debit authorization for more than two years, the Bank may cancel this directdebit authorization without giving any notice.

(6) Waived if all cheques are deposited into the same account as one single transaction.(7) If the account is maintained as an ATM Savings Account as at the 1st calendar day of the month, all related transactions within that whole month will be subject

to the ATM Savings Account Counter Service Fee regardless of whether the account type is changed within the month, and the fee will be debited from theaccount on the 8th business day of the following month.

(8) Exemptions apply to senior citizens (aged 65 or above), customers aged below 18, recipients of Comprehensive Social Security Assistance (supporting documentsrequired), persons who present a proof of disability document (e.g. document of receiving government disability allowance), or customers with any of thefollowing products/services: Prestige Banking, Preferred Banking, Integrated Account, M.I. Kid AssetBuilder, Integrated Business Solutions (“IBS”) Account, overdraftfacilities, loans, mortgages, investment funds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card witha finance charge or cash advance transaction.

(9) Exemptions apply to senior citizens (aged 65 or above), customers aged below 21, recipients of Comprehensive Social Security Assistance (supporting documentsrequired), persons who present a proof of disability document (e.g. document of receiving government disability allowance), or customers with any of thefollowing products/services: Prestige Banking, Preferred Banking, Integrated Account, M.I. Kid AssetBuilder, Integrated Business Solutions (“IBS”) Account, overdraftfacilities, loans, mortgages, investment funds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card witha finance charge or cash advance transaction.

(10) This standard concessionary charge only applies to the first time and normal data access request. In other cases, the Bank reserves the right to charge the actualcommercial cost incurred without applying a cap to the charge. However, in any case, the Bank will inform the data requestor individually the actual handlingcharge and will only process the request upon receiving the requestor’s acceptance.

(11) The total number of counter transactions includes all HKD account transactions made under the same customer name. Customers may also need to pay therelevant fee when conducting certain banking transactions, e.g. the counter transaction fee for ATM Savings Accounts, etc. The above mentioned service chargeis applicable to Personal Customers only and the Bank reserves the right to change the maximum monthly counter transaction limit for individual customers.Commercial customers will be notified individually of their monthly quota of free counter transactions by mail.

(12) Overdue handling fee of HK$50 will be levied if the customer pays the safe deposit box rental fee later than 2 months from the due date.

Late payment for safe deposit box rental fee (12) HK$50

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(1) You can only transfer money between accounts on the same card at ATMs in Macau.Note:• Cash withdrawals made overseas will be paid in local currencies and the daily withdrawal limit is HK$20,000 equivalent. Due to the different dispensing limits of

ATMs at different locations, you may have to perform more than one transaction in order to obtain the amount of cash you require.• The amount withdrawn from HSBC, Plus System and CUP ATMs will be converted to Hong Kong Dollar at the prevailing exchange rate of the transaction date and

debited from your account together with the handling fee of HK$20 / HK$30 (HSBC), HK$30 (Plus System), and HK$15 (CUP) respectively.• Most Plus System and CUP ATMs enable you to make balance equiries and withdraw cash from your accounts linked to your card.• All charges are subject to change from time to time.

Others

HSBC ATM Network

International ATMSignages

Location Banking Services

- Asian Countries(Brunei, China [excluding Hong KongSpecial Administrative Region], Macau,Malaysia, Philippines, Thailand, Singapore,Indonesia, Sri Lanka, etc.) and Middle East

- Canada- United States

(New York)- United Kingdom

(London, Wales, etc.)

HK$20 Cash withdrawal,balance enquiry, fundstransfer(1) andstatement / chequebook requestCash withdrawalCash withdrawal andbalance enquiryCash withdrawal andbalance enquiry

- Worldwide(Australia, Canada, China [including HongKong and the Mainland China], Japan,Mexico, Singapore, Taiwan, UK, US, etc.)

HK$30 Cash withdrawal andbalance enquiry

CUP ATM Network

- Worldwidethe China Region (includes Hong Kong,Macau and Mainland China), Japan,Singapore, Korea, Thailand, Vietnam,the Philippines, United States, Germany,Spain, Luxembourg, Belgium, France,Turkey, Switzerland, Australia, Italy andRussia etc.

- Mexico, Argentina, Brazil, Panama, France,Malta, Greece, Turkey

HK$15 Cash withdrawal andbalance enquiry inmost countries /regions

HK$30 Cash withdrawal andbalance enquiry

Plus SystemATM Network

HandlingFee for

Each CashWithdrawal

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Handling charge HK$100

Handling charge HK$300Cable charge HK$100 Plus:Foreign bank charges



An additional commission of0.25% on HKD demand draftissuance (maximum: HK$1,000;minimum: HK$120)

Demand Draft- issuance (5)

- stop-payment

- re-purchased

- amendment

Plus Correspondent Bank Charges:(a) If charge to beneficiary’s account: subject to correspondent bank charges(b)If charge to applicant’s account:

- For remit to Australia, UK, Canada, USA in domicile currency: HKD130- For remit USD to countries outside USA: USD35- For others: subject to correspondent bank charges

- Amendment / cancellation HK$200(Plus cable charge (if any) HK$100)

- Cable enquiry HK$100(Plus foreign bank charges, min. HK$250 per transaction)

Remit to / Hang Seng e-Banking / Branch /channels Hang Seng HSBCnet other Channels(2)

- Remit to a HK$80(3) HK$190beneficiary account withHang Seng in MainlandChina / Macau

- Remit to a beneficiary HK$110 HK$220account with anotherbank in Hong Kong /Mainland China /Taiwan / Macau

- Remit to a beneficiary HK$110 HK$220account in other (HKD and domicile currency)countries HK$260(4)

(Non-domicile currency)

- 1 - This page has been revised since 1 March 2014.

B. Remittances and Foreign Exchange Services

Telegraphic Transfer- issuance(1)

- other remittanceservices

Outward Remittances

Service RemarksCharge

An extra charge of HK$150 will belevied for instruction containingChinese(Exempted for HKD remittance toMacau)

An extra charge of HK$40 will belevied on each remittance instructionrequesting same day processingsubmittedvia the Bank’s branches after 12noon from Mondays to Fridays (i.e.business days)

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B. Remittances and Foreign Exchange Services (cont’d)

Inward Remittances


Service ChargeCredit to account with Hang Seng Bank(6) Handling charge HK$60

Onward transfer to other local banks(7) Handling charge(7) HK$150-HK$300

(1) Remittance to the Mainland China or other places outside Hong Kong for non-Hong Kong Identity Card holder is subject to local rules and requirements of MainlandChina or the relevant jurisdictions. Outward remittance may be rejected due to local regulatory requirements and rules and subject to charges applicable to returnedremittance.

(2) other channels include Phone Banking and Remittance by Standing Instruction etc(3) Prestige Banking customer enjoys fee waiver for a remittance via Integrated Account of Prestige Banking by Personal e-Banking to a beneficiary account with Hang

Seng Bank (China) Limited or Macau Branch.(4) Prestige Banking customer enjoys a privileged charge HK$220 for the non-domicile currency remittance conducted via Integrated Account of Prestige Banking through

Hang Seng branch to an account with a bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau.(5) Prestige Banking Customers can enjoy a privileged service charge of HK$50.(6) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(7) The handling charge for onward transfer to other banks is dependent on the method for the onward transfer, and is exclusive of any charges levied or to be levied

by any correspondence bank and/or beneficiary bank.

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B. Remittances and Foreign Exchange Services (cont’d)

Account HolderRMB FreeOther Currencies > HK$3,000 equivalent Free HK$3,000 equivalent HK$50 Per Transaction

Foreign Currency NotesPurchase/Sale

Waived for Prestige(1) /Preferred(2) / Green(2)

Banking CustomersOverseas Foreign

Foreign Currency Notes/Cheques Exchange

ChargeService Remarks


(1) Fee waiver is for the Prestige Banking Customers.(2) Fee waiver is for the Preferred Banking and Green Banking Customers.

USD 0.25%Other currencies 0.375%(Min.: HK$60 per transaction)

Waived

0.25% of deposit amount(Min.: HK$60 per transaction)

Handling chargeper cheque HK$150Plus:Foreign bank charges and Interest

Handling chargeper cheque HK$200Plus:Postage for registered airmailForeign bank charges

Currency Cheques- encashment- deposit into HKD/FCY T/T/USD

notes account

Local USD Clearing Cheques- deposit into HKD /USD T/T

account- deposit into USD notes

account

Foreign Cheques- returned unpaid

Foreign Cheques- collection

Interest shall be calculatedat the prevailing billsadvance rate of therelated currency from thedate of purchase

Charges shall becollected irrespective ofnon-valid payment ofthe cheques

No Fees up to (per account per day):Prestige Other

Customers CustomersAUD 1,500 1,500CAD 1,500 1,500CHF 1,000 500EUR 1,500 1,000GBP 1,500 1,000JPY 300,000 150,000NZD 2,000 2,000THB 20,000 10,000USD 7,500 1,500ZAR 1,000 500

Foreign Currency Notes- deposit into /withdraw from

T/T account

If the single-day totaldeposits/ withdrawalsexceeds these amount,handling fee will apply asfollows:Notes deposits/withdrawals: 0.25% ofthe total amount that day

Handling fee waived forRMB notes deposit/withdrawal

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C. Securities and Investment Funds ServicesLocal Securities (1)

Securities Listed on HKEx

Trade - Related Services

CD/OtherStructuredProduct (2)Service Handling Charge Min Max

RMBBond

Non-Listed

OthersBond

This page has been revised since 1 March 2014.- 1 -

---0.25% for any transaction amount HK$100Brokerage Fee(Only applicable toHang Seng Personale-Banking / AutomatedSecurities Trading Hotline)

N.A. N.A.

0.2% of transaction amount HK$100 ---

0.003% of transaction amount --- ---

0.005% of transaction amount --- ---

HK$1 for every HK$1,000 of transaction amount orpart thereof

--- ---

HK$5/lotPrestige Banking: HK$2.5/lotwaived if securities are sold before settlement

HK$30 HK$188

Application of Newly-listed Securities/Notes

HK$100 per application --- ---

HK$50 per application --- ---N.A. N.A.

Exchange Listed Notesand Bonds

Transaction Levy(collected by SFC)

Trading Fee (collectedby HKEx)

Stamp Duty (collectedby HKSARGovernment)

Deposit Charge forPurchase Orders (3)(4)

Subscribe under HangSeng Nominee

Subscribe in client'sown name withendorsement of theBank

---0.3% for transaction amount below HK$100,000.-0.25% for transaction amount equal to or aboveHK$100,000.-

HK$100Brokerage Fee(Only applicable toManned SecuritiesTrading Hotlines /Branches)*

(1) Not applicable to locally listed overseas securities and Renminbi denominated Securities. All charges are calculated on each securities each transaction basis, exceptfor those items with other charge basis specified.

(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.(3) Prestige Banking Customers can enjoy preferential custody fee and deposit charge for purchase orders and 1,000 free real-time quotes.(4) Not applicable to iBond.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang SengBank Limited reserves the right to revise any charges, special offers and other services from time to time.* Remarks: Not applicable to the securities orders placed via Relationship Mangers of Corporate Wealth Management Services.

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C. Securities and Investment Funds Services (cont’d)Local Securities (1)

a) 0.125% of transfer value (both parties are required to pay)b) Stamp Duty (collected by HKSAR Government): HK$1

for every HK$1,000 of transaction amount or partthereof (both parties are required to pay)

c) Withdrawal Fee: HK$7.5/lotd) Transfer deed stamp duty

(collected by HKSAR Government): HK$5 for eachtransfer deed

e) Physical Scrip Deposit Fee:HK$30/securities/ transaction

Scrip Handling & Settlement-Related Services

Physical scrip deposit

- Deposit Fee HK$30/securities/ transaction

- Transfer deedstamp duty(collected by HKSARGovernment)

HK$5 for each transfer deed

- Withdrawal Fee

- Withdrawal Fee HK$7.5/lot

Transfer of Entitlement(from one customer toanother)

Custody Fee (3)(4)

(custody fee will only becharged once eventhough the securitiesaccount hold bothsecurities and bondsduring that month)

HK$25/monthPrestige Banking:HK$15/monthno custody fee will be applied to account with noholdings and transactions during that month

Service Handling Charge


Physical scrip withdrawal

HK$7.5/lot

Through Central Clearing and Settlement System (CCASS)

- Deposit Fee Free

Transfer in / out Fee withother custodian

N.A.

N.A.

--- ---

--- ---

HK$50 ---

HK$50 ---

HK$100---

HK$50---

---

------

------

---

N.A.

--- --- HK$25/monthPrestige Banking:HK$15/month

Free

CD/OtherStructuredProduct(2)Min Max

--- ---

--- --- HK$500 / instruction N.A.

RMBBond

Non-Listed

Free


(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.(3) Prestige Banking Customers can enjoy preferential custody fee and deposit charge for purchase orders and 1,000 free real-time quotes.(4) Not applicable to iBond.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang SengBank Limited reserves the right to revise any charges, special offers and other services from time to time.

Non - Central Clearing and Settlement System (Non - CCASS) Transfer

OthersBond

Account Maintenance

- 2 - This page has been revised since 1 January 2013.

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Local Securities (1)

- 3 - This page has been revised since 1 April 2013.

Nominee Services and Corporate Actions

HK$30 HK$2,000 Free- Collection ofDividends/Interest (3)

- Scrip Dividends- Cash Offer- Privatisation

(Receipt of Cash)- Conversion of

Warrants(Cash Settled)

CD/OtherStructuredProduct (2)Service Min Max

Free

RMBBond

Non-Listed

OthersBond

--- --- N.A. N.A.- Receipt of Bonus Issues- Shares Consolidation/

Splitting- Right Issues/

Open Offer- Conversion of

Warrants/ Privatisation(Receipt of Securities)

--- HK$300

Other Services

---

HK$30

---

---

HK$2,000

---

N.A. N.A.

Maturity Redemption ofExchange Listed Notesand Bonds (3)

Unclaimed BenefitEntitlement

- Dividend

- Bonus Issue

Free

--- --- N.A. N.A.Dual Tranche, DualCounter Transfer (FromHKD-Traded Shares / ETF toRMB-Traded Shares / ETF)


(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.(3) Not applicable to iBond.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang SengBank Limited reserves the right to revise any charges, special offers and other services from time to time.

0.5% on amount collected

Handling Charge


HK$50/transaction

0.2% of redemption amount

HK$150/transaction plus relevant CCASScharges plus

0.5% on amount collected

HK$50 per distribution

HK$30 / securities or ETF / transaction

C. Securities and Investment Funds Services (cont’d)

Certificate of AccountBalance

Re-issuance of TransactionAdvice

Photocopying of:- Statement

(per cycle)

HK$100 per certificate (HK$100 for each additional account)

HK$100 per copy

HK$50 per cycle

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Service Handling Charge Min Max

(A) Trade-Related Services

RMB Bond(Non-Listed)

Renminbi Denominated Securities/ Bonds/ ETF Listed on Stock Exchange ofHong Kong Limited (HKEx)

N.A.

Transaction Levy1

(collected by Securities andFutures Commission (SFC)) 0.003% of transaction amount --- ---

Trading Fee1 (collected by HKEx) 0.005% of transaction amount --- ---

Stamp Duty1

(collected by HKSAR Government) 0.1% of transaction amount --- ---

Deposit Charge for PurchaseOrders

¥5/lot (not applicable to MOF bond2, waivedif securities are sold before settlement) ¥25 ¥160

Brokerage Fee(Only applicable to Hang SengPersonal e-Banking /Automated Securities TradingHotline. Any preferentialbrokerage or brokerageexemption is not applicable.)

0.25% for any transaction amount(Remark: For MOF bond2 is 0.2% for any transactionamount) ¥85 ---

Brokerage Fee(Only applicable to MannedSecurities Trading Hotlines /Branches. Any preferentialbrokerage or brokerageexemption is not applicable.)

0.3% for transaction amount below RMB100,000.-0.25% for transaction amount equal to or aboveRMB100,000.-(Remark: For MOF bond2 is 0.2% for any transactionamount) ¥85 ---

Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice.

Note1. Please note that the Bank will debit the transaction levy, trading fee and stamp duty for Renminbi (“RMB”) denominated securities listed on HKEx from customers in

RMB based on the calculation provided in the above table and such fees and charges will be paid to the relevant authorities in HKD based on the exchange rateprescribed by the relevant authorities. If there are insufficient funds in your Renminbi settlement account to settle the related fees and charges, the Bank shall have theright to collect such fees and charges in HKD from any of your HKD account.

2. Offshore RMB Bond Issued by The Ministry of Finance of the People’s Republic of China.Hang Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time.

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Service Handling Charge Min MaxRMB Bond

(Non-Listed)

(B) Scrip Handling & Settlement-Related Services

Physical scrip deposit

N.A.

- Deposit Fee

HK$5 for each transfer deed --- ---

Physical scrip withdrawal

- Withdrawal Fee HK$7.5/lot HK$50 ---

Through Central Clearing and Settlement System (CCASS)

- Deposit Fee Free ---

HK$30/securities/ transaction --- ---

- Transfer deed stamp duty (collected by HKSAR Government)

---

- Withdrawal Fee HK$7.5/lot HK$50 ---

Non - Central Clearing and Settlement System (Non - CCASS) Transfer

Transfer in / out Fee with othercustodian N.A. --- ---

HK$500/instruction





Renminbi Denominated Securities/ Bonds/ ETF Listed on Stock Exchange ofHong Kong Limited (HKEx)


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C. Securities and Investment Funds Services (cont’d)Renminbi Denominated Securities/ Bonds/ ETF Listed on Stock Exchange ofHong Kong Limited (HKEx)

Service Handling Charge Min MaxRMB Bond

(Non-Listed)

(C) Account Maintenance

Custody Fee(Custody Fee wil l only becharged once even though thesecurities account hold bothsecurities and bonds during thatmonth. No custody fee will beapplied to account with noholdings and transactions duringthat month)

General Customers: HK$25/monthPrestige Banking: HK$15/month(not applicable to MOF Bond2) --- --- Free

(D) Nominee Services & Corporate Actions

- Collection of Dividends/Interest- Scrip Dividends- Cash Offer- Privatisation (Receipt of Cash)- Conversion of Warrants (Cash Settled)

0.5% on amount collected(not applicable to MOF Bond2) ¥25 ¥1700 Free

- Receipt of Bonus Issues- Shares Consolidation/ Splitting- Right Issues/ Open Offer- Conversion of Warrants/ Privatisation (Receipt of Securities) ¥40/transaction --- ---

N.A.

Maturity Redemption ofExchange Listed Notes andBonds

0.2% of redemption amount(not applicable to MOF Bond2) --- ¥250 Free





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C. Securities and Investment Funds Services (cont’d)Renminbi Denominated Securities/ Bonds/ ETF Listed on Stock Exchange ofHong Kong Limited (HKEx)



(E) Other Services

Unclaimed Benefit Entitlement

Subscribe under Hang Seng Nominee: ¥85 per applicationSubscribe in client’s own name with endorsement of the Bank:¥45 per application

¥130/transaction plus relevant CCASS charges plus:

a) Dividend: 0.5% on amount collected ¥25

Application of Newly-listedSecurities/Notes

N.A.

¥1700

b) Bonus Issue: ¥40 per distribution -- ---

Transfer of Entitlement (from onecustomer to another)

a) 0.125% of transfer value (both parties are required to pay) ¥85 ---

b) Stamp Duty (collected by HKSAR Government): HK$1 for every HK$1,000 of transaction amount or part thereof (both parties are required to pay) --- ---

c) Withdrawal Fee: HK$7.5/lot HK$50 ---

d) Transfer deed stamp duty (collected by HKSAR Government): HK$5 for each transfer deed --- ---

e) Physical Scrip Deposit Fee: HK$30 / securities / transaction ---

RMB Bond(Non-Listed)

MOF Bond2 Transfer (BetweenCentral Money Market Unit{CMU} and CCASS)

HK$100 / securities or bonds / transaction--- ---

Dual Tranche, Dual CounterTransfer (From RMB-TradedShares / ETF to HKD-TradedShares / ETF)

HK$30 / securities or ETF / transaction--- ---

---





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C. Securities and Investment Funds Services (cont’d)Local Securities - Market Information Services Charges (including the USSecurities Listed in HK and Exchange Traded Funds)

HK$10 ---FREE Real-time Quote:• 500 quotes per month for Preferred Banking / General Customers.• 1,000 quotes per month for Prestige Banking Customers.

Additional FREE Real-time Quote:• Preferred Banking Customers who have holdings in their securities

account can enjoy additional 500 quotes in that month.• Prestige Banking / Preferred Banking / General Customers:

Additional 200 quotes for the respective month for every successfulbuy / sell transaction or every HK$50,000 of accumulated turnover(whichever number of free real-time quotes enjoyed is higher).

• Additional free real-time quote earned from successful transactionsmay be carried forward to the next month and is determined inaccordance with the following:(A):The balance of total additional free real-time quotes earned from

successful buy/sell transactions during the month LESS the totaladditional free real-time quotes earned from successful buy/selltransactions in the first 24 calendar days of the month; or

(B): The number of unused free real-time quotes of the month.Compare (A) with (B), the lower of the two can be carried forward tothe next month; the additional free real-time quotes that are carriedforward can only be used in the immediately following month and willbe cancelled automatically if such free real-time quotes are not used inthat month.(Calculation on the No. of free real-time quotes that can be carriedforward to the next month, please refer to case 3 & 4)

HK$0.05 per quote per month for usage on top of the total free quotes offeredabove.

Real-time Quote Service Plan(via Hang Seng Personale-Banking Services)

--- ---HK$200 / month• This service plan is suitable for high usage investors.• Full fee will be collected from the settlement account of the designated

securities account even if no real-time quotes are used in the month.• The subscription/cancellation instruction will be effective in the next

calendar month after the application.

Real-time Snapshot Service Plan(via Hang Seng Personale-Banking Services)


Example (Assume a customer has an Integrated Account with Securities Account) (For reference only)

Case 1:In April, your real-time quote usage is 500. You have traded 2 times and your total turnover is HKD180,000. Based on turnover, youwill enjoy 600 additional free real-time quotes. Therefore, together with the basic free entitlement of 500, you will have 1,100 freereal-time quotes (500 + 600) and do not need to pay any charges.

Case 2:In May, you have used 2,000 real-time quotes and do not have any trades. Your basic free Entitled quotes are 500. Therefore, youneed to pay HKD75, i.e. HKD0.05 x 1500 quotes.


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Case 3:Assume the securities transactions of the month for General Customers:

1st – 24th of Month During the Month[c] [d]

(1) Accumulated Turnover: HKD200,000 HKD201,000Total No. of Transactions: 1 2Additional Free Real-time Quotes earned from 800 800successful transactions during the period:No. of Free Real-time Quotes that can be Accumulated [d] – [c]: 0 (A)

(2) Basic Free Real-time Quotes: 500 + 800 = 1,300Total Free Real-time Quotes of the Month: 500 + 800 = 1,300Real-time Quotes Used of the Month: 1,000 +1,000 = 15No. of Unused Free Real-time Quotes of the Month: 300 (B)

The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 0Based on the trading activities in Case 3, the customer can enjoy more free real-time quotes by using the total trading turnover todetermine the number of additional free real time quotes earned from his/her successful transactions for the month. During themonth, the customer will enjoy 800 additional free real-time quotes. The number of unused free real-time quotes that can becarried forward to the next month will be the lower of (A) and (B):

(A) Total additional free real-time quotes earned from successful buy/sell transaction during in the month LESS the total additionalfree real-time quotes earned from successful buy/sell transaction in the first 24 calendar days of the month; [d] – [c], i.e. 800 –800 = 0

(B) The number of unused free real-time quotes of the month; i.e. 1,300 – 1,000 = 300Compare (A) the number of additional free real-time quotes that can be accumulated with (B) the number of unused free real-timequotes (whichever is lower), there will be no additional free real-time quote that can be carried forward to the immediately followingmonth.


Case 4:Assume the securities transactions of the month for General Customers:

1st – 24th of Month During the Month[c] [d]

(1) Accumulated Turnover: HKD200,000 HKD201,000Total No. of Transactions: 4 5Additional Free Real-time Quotes earned from 800 1,000successful transactions during the period:No. of Free Real-time Quotes that can be Accumulated [d] – [c]: 200 (A)

(2) Basic Free Real-time Quotes: 500 +1,000 = 1,500Total Free Real-time Quotes of the Month: 500 +1,000 = 1,500Real-time Quotes Used of the Month: 1,400 +1,0000 = 15No. of Unused Free Real-time Quotes of the Month: 100 (B)

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The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 100Based on the trading activities in Case 4, the customer can enjoy more free real-time quotes by using the total number oftransactions to determine the number of additional free real time quotes earned from his/her successful transactions for the month.During the month, the customer will enjoy 1,000 additional free real-time quotes. The number of unused free real-time quotes thatcan be carried forward to the next month will be the lower of (A) and (B):

(A) Total additional free real-time quotes earned from successful buy/sell transaction during in the month LESS the total additionalfree real-time quotes earned from successful buy/sell transaction in the first 24 calendar days of the month; [d] – [c], i.e. 1,000 –800 = 200

(B) The number of unused free real-time quotes of the month; i.e. 1,500 – 1,400 = 100Compare (A) the number of additional free real-time quotes that can be accumulated with (B) the number of unused free real-time quotes (whichever is lower), there will be 100 additional free real-time quote that can be carried forward to the immediatelyfollowing month.


Case 5In April, your real-time quote usage is 500. You have traded 2 times and the turnover separately is HKD50,000 and USD15,000. Forsettlement amount in foreign currency, we will use Bank’s month end exchange rate to convert the settlement amount into HKDequivalent to calculate. In this case, assume the month end USD exchange rate is 7.78, thus the total turnover is HKD50,000 +USD15,000*7.78 = HKD166,700, you will enjoy 600 additional free real-time quotes. Therefore, together with the basic free entitlementof 500, you will have 1,100 free real-time quotes (500 + 600) and do not need to pay any charges.

Terms & Conditions:

1. Real-time Quote Service Plan is for Securities Account holders only.

2. Real-time Quote Service Plan is only applicable to the usage of chargeable detailed quotes used in Personal e-Banking and Securities Express. This plandoes not involve usage of real-time basic quotes which are provided for free.

3. According to HKEx, only stock quote enquiry on trading day which is from market open of each trading session to 15 minutes after market close of eachtrading session, will be counted into real-time quotes usage. Real-time quote usage includes stock quote enquiries via Detailed Quotes, Watch List andthe securities order placement / amendment pages.

4. Stocks quotes on Exchange Traded Funds traded under the Pilot Programme during 09:00 to 16:15, and stock quotes on others products during 9:00to12:15 and 13:00 to 16:15, will be counted as real-time quotes.

5. Each e-Banking customer is only entitled to ONE Real-time Quote Service Plan.

6. Transaction and turnover will be counted by combining the local securities trading records of all your Securities Account(s). If the settlement amount isin foreign currency, we will use Bank’s month end exchange rate to convert the settlement amount into HKD equivalent to calculate.

7. Fees of current month will be charged to your Securities Settlement Account within the 8th – 10th working day of the following month. If you havemore than one Securities Account, we will select and debit one of your Settlement Accounts in the following priority:

1st Priority : Joint Name Securities Account’s Settlement Account prevails Sole Name Securities Account’s Settlement Account

2nd Priority : Settlement Account of Prestige Banking Integrated Account prevails Settlement Account of Preferred Banking Integrated Account; SettlementAccount of Preferred Banking Integrated Account prevails Settlement Account of Integrated Account; Settlement Account of IntegratedAccount prevails HKD Current Settlement Account; HKD Current Settlement Account prevails HKD Savings Settlement Account

3rd Priority : Settlement Account with latest account opening date prevails an earlier Settlement Account

8. If your Settlement Account(s) balance is insufficient to settle the fee(s) in full, the Bank reserves the right to set off the fees at any of your Hong KongDollar Accounts with the Bank


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C. Securities and Investment Funds Services (cont’d)Shenzhen and Shanghai B Shares (1)


(1) Except listed charges, all other charges are the same as those for local securities.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang SengBank Limited reserves the right to revise any charges, special offers and other services from time to time.


Shenzhen

Brokerage Fee 0.8% of transaction amount HK$400 ---(Any preferential brokerage orbrokerage exemption is not applicable)

Transaction Fee HK$300 per transaction --- ---

Transaction Levy 0.0321% of transaction amount --- ---

Stamp Duty 0.1% of transaction amount --- ---(For Sale Transactions Only)

Clearing Fee 0.05% of transaction amount --- HK$500

Handling Charge for Securities Transfer HK$300 per request for each securities --- ---

Deposit Charge for Purchase Orders HK$30 per request --- ---

Conversion Handling Fee for `B’ sharesto `H’ shares HK$100 per request for each securities --- ---

Shanghai


Transaction Fee HK$300 per transaction --- ---

Transaction Levy 0.028% of transaction amount --- ---

Stamp Duty 0.1% of transaction amount --- ---(For Sale Transactions Only)

Clearing Fee 0.05% of transaction amount --- ---

Handling Charge for Securities Transfer HK$700 per request for each securities --- ---

Deposit Charge for Purchase Orders HK$30 per request --- ---

Conversion Handling Fee for `B’ sharesto `H’ shares HK$100 per request for each securities --- ---

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C. Securities and Investment Funds Services (cont’d)Singapore Securities - Jardine Group Stocks only (1 ) (2) (3)



Handling Charge 0.25% of transaction amount --- ---

Trading Fee 0.0075% of transaction amount --- ---

Clearing Fee 0.04% of transaction amount --- US$479

Deposit Charge for Purchase Orders HK$10/lot for the first 100 lots HK$30 HK$2,000HK$3.5/lot from 101st lot onwards

Collection of Dividends 1% on amount collected HK$50 HK$2,500

Withdrawal Fee HK$7.5/lot HK$50 ---

Transfer in / out of Settlement Fee HK$400/ instruction

(1) Except listed charges, all other charges are the same as those for local securities.(2) Transfer in service of Singapore Securities will not be provided to customers who are the citizen of Singapore or have residential / correspondence address in

Singapore.(3) Purchase order of Singapore Securities from customers who are the citizen of Singapore or have residential / correspondence address in Singapore will not be

accepted.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang SengBank Limited reserves the right to revise any charges, special offers and other services from time to time.

Singapore Securities - Hutchison Port Holdings Trust For Sale Transactionsonly (1 ) (2) (3)



Handling Charge 0.25% of transaction amount --- ---

Trading Fee 0.0075% of transaction amount --- ---

Clearing Fee 0.04% of transaction amount --- US$479

Collection of Dividends 1% on amount collected HK$50 HK$2,500

Withdrawal Fee HK$7.5/lot HK$50 ---

Transfer in / out of Settlement Fee HK$400/ instruction

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C. Securities and Investment Funds Services (cont’d)Securities Services Charges for Local Securities / iShares or ETFSettled in US Currency and Listed on HKEx and Overseas Securities

Service(1) Handling Charge Min Max

Local Securities / iShares / ETF Settled in US Currency and Listed on HKEx

Brokerage Fee 0.5% of transaction amount US$20 ---(Any preferential brokerage orbrokerage exemption is not applicable)

Transaction Levy 0.003% of transaction amount --- ---(collected by SFC)

Trading Fee 0.005% of transaction amount --- ---(collected by HKEx)

Stamp Duty (collected by HKSAR 0.1% of transaction amount --- ---Government)

Deposit Charge for Purchase Orders US$1/lot US$4 US$25

US Securities Listed in Hong Kong


Transaction Levy 0.003% of transaction amount --- ---(collected by SFC)

Trading Fee 0.005% of transaction amount --- ---(collected by HKEx)

Withdrawal Fee for Physical Scrips HK$100 handling fee per request plus --- ---HK$600 DTC(2) charges per requestand out-of-pocket expenses

Cross Border Transfer Fee for Receipt/ HK$100 handling fee per request plus --- ---Delivery of Foreign Securities HK$200 DTC(2) charges per request

and out-of-pocket expenses

Warrant Conversion, Voluntary Take-over, HK$100 handling fee per request --- ---Tender Offer & Open Offer plus HK$600 DTC(2) charges per

request and out-of-pocket expenses

Deposit Charge for Purchase Orders HK$10/lot HK$30 HK$2,000

Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500

Overseas Securities(3): US/UK/Japan

Collection of Dividends/Interest 0.75% on amount collected HK$60 HK$2,500

Transfer-out HK$50/securities/transaction plus --- ---out-of-pocket expenses

(1) Except listed charges, all other charges are the same as those for local securities.(2) US Depository Trust Company.(3) Applicable to customers whose overseas securities accounts were opened on or before 31 March 2006.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.All fees and charges are determined by The Government of Hong Kong Special Administrative Region/HKEx/SFC are subject to change without prior notice. Hang SengBank Limited reserves the right to revise any charges, special offers and other services from time to time.

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C. Securities and Investment Funds Services (cont’d)Services Charges for “Hang Seng A Share Investment Services” (1)

(1) The Bank reserves the right to review the fees and charges from time to time and customers can obtain the updated charges information from branch staff.(2) The Account Service Fee/Custody Fee will be charged at every month-end starting from the month following the account opening date.(3) Base on the account balance at each month-end (including all the investment products & cash) and will be charged on monthly basis.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges are subject to change without prior notice and will be determined by the Bank.

Account Fee Charges

Account Service Fee (2) (Monthly) RMB50

Custody Fee (2) (Monthly) 0.25%p.a. on account balance (3)

Company Activities Charges

Cash Dividend/Interest Collection Fee 0.5% on amount collected(Min. RMB30; Max. RMB2,000)

Collection of Script Bonus RMB30 per time

This page has been revised since 1 January 2013.

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C. Securities and Investment Funds Services (cont’d)Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units maygo up as well as down and past performance is not indicative of future performance. Investors should read the relevant fund's offeringdocuments (including the full text of the risk factors stated therein) in detail before making any investment decision.

iPower Account – Account Fees and Charges

I. Monthly Account Fee

Notes:(1) The monthly account fee is charged with reference to the portfolio value (subject to a minimum fee of HK$100 (save as otherwise specified herein)). It is

calculated and accrues on each calendar day, and payable monthly in arrears. The monthly account fee starts to accrue from the date on which fund holdings arefirst recorded in the iPower Account, but the minimum fee stated above will not apply to that calendar month.

(2) The daily portfolio value is the sum total of the market value of all current fund holdings under the customer’s iPower Account in a calendar day. For fund(s)denominated in non-HKD, the HKD equivalent of the market value is calculated based on the exchange rate as determined by the Bank.

(3) The account fee (in respect of a calendar day) is calculated based on this formula: Daily Portfolio Value x applicable Account Fee Rate.(4) The accrued account fee (in respect of a calendar month) is the sum total of all the daily account fees for the month.(5) Unless otherwise specified, the actual amount of monthly account fee payable shall be the accrued account fee so calculated, or the minimum monthly account fee

specified in note 1 above, whichever is higher.(6) (a) The monthly account fee for the current month will be debited from the HKD savings account under the relevant integrated account on the 8th calendar day of

the next month. If such day is not a business day, the relevant monthly account fee will be debited on the next business day. Please refer to the monthly statementof the relevant integrated account for the actual amount of monthly account fee debited.

(6) (b) If the Bank cannot debit the monthly account fee from the HKD savings account under the relevant integrated account for 2 consecutive months, the iPowerAccount will be suspended until all outstanding account fees and charges have been settled.

(6) (c) The monthly account fee will continue to accrue during the suspension period.(6) (d) Where the monthly account fee is to be debited from a non-HKD account (for whatever reason), the relevant amount (in foreign currency) will be converted into

HKD based on the exchange rate as determined by the Bank.

Daily Portfolio Value

Below HK$200,000

HK$200,000 to less than HK$500,000

HK$500,000 or above

Account Fee Rate (% p.a.)

2.5%

1.75%

1.5%


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C. Securities and Investment Funds Services (cont’d)II. Account Administration Fee

Notes:(1) (a) For transfer-out of fund holdings from the iPower Account to another account (held with the Bank or otherwise), if the period between the date of settlement

of the last fund subscription or switching-in transaction via the iPower Account and the date of the Bank’s receipt of the transfer-out instruction is less than 1year, an account administration fee will apply.

(1) (b) An amount equivalent to such fee held in the HKD savings account under the relevant integrated account will be withheld upon the Bank’s receipt of the transfer-out instruction, and will be debited upon successful execution of the transfer-out instruction. For fund(s) denominated in non-HKD, the HKD equivalent of theprevailing market value is calculated based on the exchange rate as determined by the Bank.

(2) (a) If the period between the date of settlement of the last fund subscription or switching-in transaction via the iPower Account and the Bank’s reference date ofaccount closure (for whatever reason) is less than 1 year, an account administration fee will apply.

(1) (b) Such account administration fee will be charged against the HKD savings account under the relevant integrated account upon successful execution of theaccount closure instruction.

(1) (c) Any accrued monthly account fee not yet charged (up to and including the date of account closure, and subject to the minimum monthly account fee specifiedin note 1 of Section I above) will be debited from the HKD savings account under the relevant integrated account upon successful execution of the accountclosure instruction.

Account Administration Fee at transfer-out1 1.5% of the prevailing market value (as at the date of the Bank’s receipt of thetransfer-out instruction) of the fund holdings being transferred out

Account Administration Fee at account closure2 HK$100 x (12 - number of calendar months since settlement of the last fundsubscription or switching-in transaction)(Maximum: HK$500)


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C. Securities and Investment Funds Services (cont’d)iPower Account – Investment Funds Service

- 17 -

Notes:(1) Customers should note that while they are not required to pay the subscription fee and the switching handling fee, they may be required to pay redemption fees

and/or other fees (if any) charged by the relevant fund house(s) in respect of fund switching. In addition, the Bank charges a monthly account fee and (in certaincircumstances) account administration fee.

(2) This is the maximum rate as stated in the term sheet of the relevant fund in the series.(3) Redemption fee is calculated based on the redemption proceeds of the units being redeemed.

Charge Item

Charge

Funds in Hang Seng Investment Series, Hang SengMainland Investment Series and Hang Seng IslamicInvestment Series

Other Funds

Subscription Fee1 Waived

Switching Handling Fee1

(applicable to switchingbetween funds provided bythe same fund house)

Waived

Management Fee (p.a.) Hang Seng Investment Series:Up to 1.5%2

Hang Seng Mainland Investment Series:Up to 1.75%2

Hang Seng Islamic Investment Series:Up to 1%2

Depends on individual fund

Redemption Fee3 Nil Depends on individual fund

For details of the fees and charges for each individual fund, please refer to the offering documents of the relevant fund.

This page has been revised since 24 March 2013.

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Investment FundsCharge Item Charge

Funds inHang Seng Investment Series, Other Funds

Hang Seng Mainland Investment Series and Hang Seng Islamic Investment Series

Class A Units Class B Units

Subscription Fee (1) Hang Seng Investment Series: Nil Depends onUp to 4%* individual fundHang Seng Mainland InvestmentSeries: Up to 4%*Hang Seng Islamic InvestmentSeries: Up to 3%*

Switching Handling Fee (2)

(applicable to switchingbetween funds provided by thesame fund house)

1% Nil 1%

Management Fee(p.a.)

Hang Seng InvestmentSeries:Up to 1.5%*Hang Seng Mainland InvestmentSeries: Up to 1.75%*Hang Seng Islamic InvestmentSeries: Up to 1%*

Hang Seng Investment Series:Up to 1.5%*Hang Seng Islamic InvestmentSeries: Up to 1%*

Depends onindividual fund

Administration Fee(p.a.) (3)

Nil Up to 1%*

Issue Certificate of InvestmentFunds Account Balance

HK$100 per certificate

Re-print Contract Note /Confirmation for transaction(s)

Re-print Investment FundsAccount Monthly Statement

HK$50 per copy


Redemption Fee (4) Nil Holding PeriodLess than 1 year: 3%1 year - less than 2 years: 2%2 years - less than 3 years: 1%

Class B Units will be automaticallyconverted to Class A Units after 3years, upon which no redemptionfee will apply.


Investment Funds AccountAnnual Fee

HK$50 semi-annually(waived for Integrated Account holders)

For details of the fees and charges for each individual fund, please refer to the offering documents of the relevant fund.* This is the maximum rate as stated in the term sheet of the relevant fund in the series.

Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices of fund units may go up as well asdown and past performance is not indicative of future performance. Investors should read the relevant fund’s offering documents (including the full textof the risk factors stated therein) in detail before making any investment decision.

HK$100 per copy

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- 19 - This page has been revised since 3 January 2012

(1) Up to 2% subscription fee discount for Prestige Banking customers. Up to 1% subscription fee discount for Preferred Banking, Green Banking and IntegratedAccount customers. Terms and Conditions apply to the offer, please refer “F. Integrated Account Services and Privileges” for details.

(2) The switching handling fee is charged by the Bank in respect of switching of funds# under the same/different fund series, customer is not required to separately paythe switching fee (if any) charged by the relevant fund. Currently, the switching handling fee for switching from funds in the Hang Seng Investment Series, the HangSeng Mainland Investment Series and the Hang Seng Islamic Investment Series to Money Market Funds in the Hang Seng Investment Series is waived. The fee waiverapplies until further notice. The Hang Seng Investment Series, the Hang Seng Mainland Investment Series and the Hang Seng Islamic Investment Series are allmanaged by the same fund manager (i.e. Hang Seng Investment Management Limited) but they are three independent and separate investment series. Theinvestments of funds in the Hang Seng Investment Series and the Hang Seng Mainland Investment Series are made without reference to Islamic Investment (or“Shariah”) Principles. Please refer to the offering documents of the relevant funds for details.# The minimum amount of units for switching is equivalent to HKD20,000.

(3) Administration fee is a fee charged in respect of certain administrative work including the handling and update of transaction records, redemption fee calculationand the arrangement for converting Class B Units into Class A Units done by the fund manager. The administration fee of up to 1% p.a. for “Hang Seng IndexFund” Class B Units, “Hang Seng China H-Share Index Fund” Class B Units and “Hang Seng China Index Fund” Class B Units is currently waived by the fundmanager.

(4) Redemption fee is calculated based on the redemption proceeds of the Units being redeemed. In respect of “Hang Seng Index Fund”, “Hang Seng China H-ShareIndex Fund” and “Hang Seng China Index Fund”, the fund manager currently applies a flat rate of 1% of the redemption proceeds for Class B Units held for lessthan 3 years. Please contact the Bank’s staff for details of the fees before redemption of Class B Units.

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- 1 - This page has been revised since 28 June 2013.

D. Credit Card Services

For enquiries on credit card services, please call our 24-Hour Customer Service Hotlines:Hang Seng Visa Infinite 2998 8228Hang Seng World MasterCard 2998 8111The Hong Kong Jockey Club Membership Card / The Racing Club Membership Card 2998 8833Hang Seng Platinum Card / Prestige Banking Platinum Card 2998 8222Hang Seng Credit Card / Spending Card 2398 0000Hang Seng enJoy Visa Platinum Card / Spending Card 2998 8888Hang Seng enJoy Visa Card 2998 8188

Note:• Fees and charges in U.S. Dollars used in this “Credit Card Services” section are only applicable to USD Visa Gold Card (except Credit Reference Letter Fee).• A handling fee of HK$30 (via PLUS/Cirrus ATMs), HK$15 (via China UnionPay (“UnionPay”) ATMs) or HK$20 (via Hang Seng Bank / HSBC Group ATMs outside Hong

Kong) will be charged to your bank account which is linked up with your credit card, and from where cash withdrawal is made.• For repayment of Renminbi Credit Card bill, where a conversion of HKD into Renminbi is required, such conversion should be calculated at such rate specified by the

Bank which shall be conclusive and binding on you.

Visa Infinite / World MasterCard

Platinum Card

Principal Card - HK$6,000Supplementary Card - HK$1,000

Gold Card Principal Card - HK$540Supplementary Card - HK$270

Renminbi Credit Card- Platinum Card

- Gold Card

- Classic Card

Classic Card Principal Card - HK$240Supplementary Card - HK$120

Principal Card - HK$1,200Supplementary Card - HK$600

Principal Card - CNY1,200Supplementary Card - CNY600Principal Card - CNY540Supplementary Card - CNY270Principal Card - CNY240Supplementary Card - CNY120

USD Visa Gold Card Principal Card - US$70Supplementary Card - US$35

alpha card HK$50 per Card

Mobile Card HK$8 per Card

Annual Fee

Monthly Fee

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D. Credit Card Services (cont’d)


Late ChargeVisa Infinite / Platinum Card / Gold Card /Classic Card

If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of HK$200 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.

Renminbi Platinum Card / Renminbi Gold Card /Renminbi Credit Card

If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of CNY200 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.

World MasterCard / USD Visa Gold Card /Club Marina Cove Membership Credit Card /enJoy Private Label Card

If the Customer fails to make full payment of the New Balance on or beforethe Payment Due Date, a late charge of HK$200/US$25 or an amount equalto the New Balance (whichever is lower) will be levied each time.

The Hong Kong Jockey Club Membership Card(Private Label Card)

If the Customer fails to make full payment of the New Balance on or beforethe Payment Due Date, a late charge of HK$150 or an amount equal to theNew Balance (whichever is lower) will be levied each time.

The Hong Kong Jockey Club Membership Card(MasterCard) / The Racing Club Membership Card

If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of HK$150 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.

Visa Infinite / World MasterCard / Platinum Card /Gold Card / Classic Card / Priority Pass Card

Card Replacement Fee


HK$100 per card account

CNY100 per card account

The Hong Kong Jockey Club Membership Card(MasterCard / Private Label Card) /The Racing Club Membership Card

HK$100 per card account for• lost card replacement• change of photo or signature (subject to the Club’s approval)

USD Visa Gold Card US$13 per card account

Club Marina Cove Membership Credit Card /enJoy Private Label Card

HK$20 per card account

e-shopping MasterCard

enJoy Spending Card / alpha card HK$50 per card account

Principal Card - HK$100

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Visa Infinite / World MasterCard / Platinum Card /Gold Card / Classic Card / USD Visa Gold Card /Club Marina Cove Membership Credit Card /enJoy Private Label Card

Overlimit FeeAn overlimit fee of HK$180/US$23 per month will be charged if theoutstanding balance (excluding fees and charges charged by the bank)exceeds the prescribed credit limit by HK$180/US$23 or above.


An overlimit fee of CNY180 per month will be charged if the outstandingbalance (excluding fees and charges charged by the bank) exceeds theprescribed credit limit by CNY180 or above.


An overlimit fee of HK$150 per month will be charged if the outstandingbalance (excluding fees and charges charged by the bank) exceeds theprescribed credit limit by more than 10%.

Cash Advance Handling FeeVisa Infinite / World MasterCard / Platinum Card /Gold Card / Classic Card / USD Visa Gold Card

• A handling fee of 3.5% of the cash advance amount (minimumHK$100/US$13) will be charged for every cash advance transaction.

• Cash advance transaction can be made at Hang Seng Bank/HSBC GroupATMs, other ATMs with Visa/PLUS, MasterCard/Cirrus or UnionPay signage,financial institutions with Visa or MasterCard signage and over the countersof Hang Seng Bank.


• A handling fee of 3.5% of the cash advance amount (minimumCNY100) will be charged for every cash advance transaction.

• Cash advance transaction can be made at ATMs with UnionPay signage onmainland China.

• A handling fee of 3.5% of the cash advance amount (minimum HK$70)will be charged for every cash advance transaction.

• Cash advance transaction can be made at Hang Seng Bank/HSBC GroupATMs, other ATMs with MasterCard/Cirrus signage, financial institutionswith MasterCard signage and over the counters of Hang Seng Bank.


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Other Fees

Foreign Currency Transaction Conversion Fee

SelectImage MasterCard Administration Fee- Only applicable to the Customers who are

enjoying any annual fee waiver (Hang Seng CreditCard Rewards Programme excluded)

• HK$100 per year (per card account)• Services less than 1 year will also be charged with a full annual

administration fee

Returned Cheque / Autopay Reject Handling Fee • A returned cheque / autopay reject handling fee of HK$120/US$16 will becharged once on the same statement if there is any returned cheque /autopay reject amount more than HK$120/US$16.

• Returned cheque / autopay reject handling fee will be waived if late chargeis levied on the same statement.

Foreign currency transactions will be converted into Hong Kong Dollars (forUSD Visa Gold Card, the non-USD transactions will be converted into USDollars) at a rate selected by the relevant Card Association from the range ofrates available in wholesale currency markets for the applicable conversiondate or the government-mandated rate in effect for the applicable conversiondate, in each instance plus 1.95% / 1.75% (only applicable to The HongKong Jockey Club Membership Card (MasterCard) and The Racing ClubMembership Card) / 1.2% (only applicable to CUP Credit Card) (inclusive ofthe reimbursement charge levied by the relevant Card Association on HangSeng Bank).

Sales Draft Retrieval Fee

Statement Copy Retrieval Fee • Free for statement issued within 3 months• HK$50/US$7 per page for statement issued beyond 3 months

Credit Reference Letter Fee(1) HK$200 (local copy)/US$50 (foreign copy)

Copy - HK$40/US$5 per copy

HK$35 per cashier’s order

Payment by Foreign Cheque / Cashier’s Order • HK$60 per cheque• For payment made by cheque/cashier’s order of Macau Banks, an additional

0.25% of cheque amount or HK$100 (whichever is higher) will be charged.

Credit Balance Refund by Cashier’s Order

Handling Fee for payment Over the Counter atBranch(2)

HK$30 per transaction

(1) Postage fee required for mailing to the relevant local/foreign institutions is included.(2) Customers who can present Visa Infinite, World MasterCard, The Hong Kong Jockey Club Membership Card (MasterCard/Private Label Card), The Racing Club

Membership Card or Renminbi Card or a copy of the above mentioned Cards will be exempted from this fee.

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Other Fees of Renminbi Credit CardReturned Cheque / Autopay Reject Handling Fee • A returned cheque / autopay reject handling fee of CNY120 will be charged

once on the same statement if there is any returned cheque / autopayreject amount more than CNY120.

• Returned cheque / autopay reject handling fee will be waived if late chargeis levied on the same statement.

Statement Copy Retrieval Fee • Free for statement issued within 3 months• CNY50 per page for statement issued beyond 3 months

Credit Reference Letter Fee(1) CNY200 (local copy)/US$50 (foreign copy)

Credit Balance Refund by Cashier’s Order CNY35 per cashier’s order

(1) Postage fee required for mailing to the relevant local/foreign institutions is included.

Sales Draft Retrieval Fee Copy - CNY40 per copy

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E. Lending ServicesSecured Loans

Secured Overdraft FacilityItem Charge

Monthly Handling Fee(1) 0.01% on the Secured Overdraft Limit

Vehicle LoansService Charge

Assignment (Change of Hirer) /HK$1,000

Change of Agreement Term

Transfer or Retain Vehicle Registration Mark HK$500 - HK$600

Vehicle Replacement HK$500 - HK$600

Loan Handling Fee (Except Taxi and PLB Loan) HK$250

(1) Only applicable to Facility pledged with Deposits and Investment Products, If the secured overdraft limit is initially granted on or before June 2008, this fee is notapplicable.

Note:• The above information is for customer’s reference with regard to the charges (applicable to all types of vehicles) for various services offered by Hang Seng Bank

Limited. The listed charges are correct at the time of printing but subject to change with notice.

Property Instalment LoansService Charge

Application Fee HK$1,000 - HK$2,000 per application(payable upon application and not applicable to customers under specialschemes, e.g. Home Ownership Scheme)

Front End Fee- new purchase of residential mortgage Waived (personal borrower)

0.5% on loan amount (company borrower)- non-residential mortgage 0.5% on loan amount- rental property 0.5% on loan amount- further charge 0.5% on further charge amount

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E. Lending Services (cont’d)

Notes:* 1. Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.# 2. For handling fee of autopay returned due to insufficient funds under Home Ownership Scheme and Tenant Purchase Scheme, please refer to P.6 of Section A —

Deposit Services.

Mortgage Lending Related ServicesService Charge

Copy of Document(s)

Copy of Title Deed Document(s):- Copy of Assignment HK$200 per copy- Copy of Mortgage Deed HK$200 per copy- Copy of the Agreement for Sale and Purchase HK$200 per copy

Copy of Letter of Offer HK$100 per copy

Copy of Repayment Schedule HK$100 per copy

Issuance/ Re-issuance of Document(s)

Interest and Principal Statement HK$100 per account / each financial year(Free for first statement of the last financial year)

Certification of Account Closure/ HK$200 per accountCertification of Loan Settlement Figures/Certification of Loan Information

Repayment Record HK$200 per 12-month record

Interest Rate Change Advice HK$100 per advice

Lease Consent Letter on Charged Property HK$1,000 per account

Credit Information HK$200 per account

Others

Change of Repayment Terms/ Loan Scheme* HK$1,000 per account(Excluding the change from Conventional Mortgage loan scheme toMortgage-Link loan scheme)

Change from Conventional Mortgage loan scheme to HK$3,000 per accountMortgage-Link loan scheme

Custody of Non-discharged Deeds after Full repayment HK$3,000 per year

Using Debit Note for Repayment HK$30 per instalment

Autopay Returned Due to Insufficient Funds # HK$150 per transaction

Late Charge* HK$400 per transaction(Including handling fee for autopay returned due to insufficient fund)

- 2 - This page has been revised since 1 July 2013

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E. Lending Services (cont’d)Unsecured Loans


Unsecured Overdraft FacilityItem Charge

Annual Fee For personal customers:

0.5% - 1% of the overdraft limit (minimum HK$200, maximum HK$800)Prestige Banking Customers: Perpetually WaivedOther Integrated Account customers: First Year waived

Late Charge HK$100

Re-issuance of Approval Advice HK$100 per copy

Personal Instalment LoanItem Charge

Handling Fee Please refer to the promotional leaflet

Prepayment Handling Fee The aggregate of (a) next month’s instalment amount which would have beenpayable but for the prepayment less the portion for repayment of the principal and(b) 2% of the outstanding principal of the Personal Instalment Loan, subject to aminimum of HK$300.

Default Interest Monthly instalment due calculated at the rate of 2.25% per month from the duedate of such instalment until the date of full payment

Late Charge HK$300

Re-issuance of Approval Advice HK$100 per copy

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E. Lending Services (cont’d)

Personal Revolving LoanItem Charge

Annual Fee HK$400

ATM Cash Withdrawal / Fund Transfer /EPS Payment Handling Fee

Late Charge If the Customer fails to make the Minimum Payment Amount on or beforethe Payment Due Date, a late charge of HK$200 or an amount equal to theMinimum Payment Amount (whichever is lower) will be levied each time.

Overlimit Fee If the account’s outstanding balance exceeds the credit limit by more than 10%,an overlimit fee of HK$150 per month will be levied

Returned Cheque Handling Fee

Statement Copy Retrieval Fee • Free for statement issued within 3 months• HK$50 per page for statement issued beyond 3 months

Credit Reference Letter Fee (1) HK$200 (local copy) / US$50 (foreign copy)

Payment by Foreign Cheque / Cashier’s Order • HK$60 per cheque• For payment made by cheque / cashier’s order of Macau Banks, anadditional 0.25% of cheque amount or HK$100 (whichever is higher) willbe charged

Credit Balance Refund by Cashier’s Order HK$35 per cashier’s order

Foreign Currency Conversion All transactions effected by Revolving Loan Account in currencies otherthan Hong Kong Dollars shall be debited to the Revolving Loan Accountafter conversion into Hong Kong Dollars. For the transactions effected viathe PLUS networks, the money withdrawn is first converted to US Dollars,and then to Hong Kong Dollars, at the daily exchange rates set by VISA andHSBC respectively, plus a 1% conversion charge. For the other networks,the money withdrawn is converted directly to Hong Kong Dollars at thedaily exchange rates set by HSBC plus a 1% conversion charge

• Unless otherwise specified, the handling fee for cash withdrawal / fundtransfers made at Hang Seng / HSBC ATMs / EPS payment is 2% of thetransaction amount or HK$50 (whichever is higher)

• Withdrawal / transfer at ATMs other than those of Hang Seng andHSBC located in Hong Kong is subject to additional handling fee,maximum up to HK$31

(1) Postage fee required for mailing to the relevant local / foreign institutions is included

• A returned cheque handling fee of HK$120 will be charged once on thesame statement if there is any returned cheque amount more thanHK$120.

• Returned cheque handling fee will be waived if late charge is levied onthe same statement.

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F. Integrated Account Services and Privileges

Type of Integrated Accounts Charges(1)

Prestige Banking

For customer with a Total Relationship Balance(2) ofHK$1,000,000 or above WaivedHK$500,000 - HK$999,999 HK$40 per monthBelow HK$500,000 HK$340 per month

Preferred Banking

For customer with a Total Relationship Balance(2) ofHK$200,000 or above WaivedHK$50,000 - HK$199,999 HK$26 per monthBelow HK$50,000 HK$106 per month

Integrated Account(3)

For customer with a Total Relationship Balance(2) ofHK$10,000 or above WaivedBelow HK$10,000 HK$60 per month

(1) Monthly Fee will be charged on the 8th business day of each month based on the Total Relationship Balance in the previous month.(2) The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft

facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributedby Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also beincluded.

(3) Monthly Fee waiver will be given to Integrated Account customers aged under 18 and will be valid until the age of 21. If you select not to activate the currentaccount upon opening your Integrated Account, the Total Relationship Balance (2) requirement of the Integrated Account will be HKD5,000 and the monthly fee isHKD50 if the account cannot meet the required Total Relationship Balance. The relevant current account no. may be shown in some service channels even thoughsuch current account has not been activated, but this account cannot be used for any transaction. If you would like to use the current account service of yourIntegrated Account, you may make application to reactivate the current account via Branch. However, the required Total Relationship Balance (2) will be resumed toHKD10,000 and monthly service fee is HKD60 if the account cannot meet the required Total Relationship Balance.

(4) The Total Relationship Balance is the monthly aggregate balance of the daily average of customer's deposits, gold accounts, securities, investment funds, utilisedoverdraft facilities, credit card cash advances and the outstanding balance of loans (except mortgage loan), trade finance and Hang Seng MPF Balance and thepremium paid for the designated general insurance plans distributed by Hang Seng Bank as an agent for that month.

(5) Trade Turnover is the average monthly total local import and export trade transaction amount performed by the customer with the Bank in the preceding threecalendar months.

UpBiz Integrated Account

• For customer with a Total Relationship Balance(4) of WaivedHK$2,000,000 equivalent or aboveOrFor customer with a Trade Turnover(5) ofHK$1,000,000 equivalent or above

• Other HK$600 per month

Integrated Business Solutions Account

For customer with a Total Relationship Balance(4) ofHK$50,000 equivalent or above WaivedBelow HK$50,000 equivalent HK$180 per month

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F. Integrated Account Services and Privileges (cont’d)

PrivilegesPrestige

Banking*PreferredBanking

IntegratedAccount

Deposit, Remittances and Foreign ExchangeServices (1)

• Gift Cheque Handling Charge• Issuance of Cashier’s Order Handling Charge (2)

• Re-purchase of Cashier’s Order Handling Charge• Issuance of Demand Drafts Handling Charge• Outward Remittance Handling Charge (3)(4)

• Set-up of Standing Instructions Handling Charge (3)

• Amendment of Standing Instructions HandlingCharge (3)

• Purchase/Sale of Foreign Currency Notes HandlingCharge

• Foreign Currency Notes Deposits / WithdrawalsHandling Charge (5)

• Inward Remittance Handling Charge (3)

• Inward CHATS Handling Charge (3)

• Set-up of Direct Debit Authorisations HandlingCharge (3)

• Coin Changing Charge• Cheque Book(s) delivery by courier Service Charge (3)

• Safe Deposit Box “A” Rental Fee (6)

WaivedHK$25WaivedHK$50WaivedWaivedWaived

Waived

Waived

WaivedWaivedWaived

HK$1 per sachetWaived

First-year waived

HK$5----

Waived-

Waived

Waived

--

Waived

--

First-year waived

-------

-

Waived

--

Waived

---

GreenBanking

HK$5----

Waived-

Waived

Waived

--

Waived

--

First-year waived

Securities and Investment Funds Services• Securities Custody Fee• Free Real-time Stocks Quotes (7)

• Deposit Charge For Purchase Order for LocalSecurities

• Investment Fund Subscription Fee (8)

• Advanced Switching Service with PreferentialSubscription Fee (9)

-1,000 per month

-

1% discount forall funds

managed byHang SengInvestment

ManagementLimited

(Funds withsubscription fee

5%: 1%discount)

2%subscription fee

-500 per month

-

1% discount forall funds

managed byHang SengInvestment

ManagementLimited


5%: 1%discount)

2%subscription fee

40% discount1,000 per month

50% discount

2% discount forall funds managed

by Hang SengInvestment

ManagementLimited


5%: 2%discount

Funds withsubscription fee

< 5%: 0.5%discount)

2%subscription fee

-500 per month

-

1% discount for allfunds managed by

Hang SengInvestment

ManagementLimited


5%: 1%discount)

2%subscription fee

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F. Integrated Account Services and Privileges (cont’d)

Remarks:• Hang Seng Bank (the “Bank”) reserves the right to suspend, vary or discontinue the above offers at any time without prior notice. In case of disputes, the decision of the Bank will

be final. Investment involves risks. Investors should refer to relevant offering document of the relevant investment products before making any investment decision. Prices ofinvestments (stocks, bonds and investment funds) may go up or down and may become worthless.

(*)Selected customers from Prestige Banking can enjoy special privileges from Prestige Signature. Please refer to the corresponding marketing collateral for details.

(1) Each customer can enjoy each complimentary banking service of a maximum of 10 times per month.(2) No privilege will be given to the issuance of Cashier’s Order for the purpose of IPO subscription.(3) Privileges are not applicable to other non-Prestige Banking / Preferred Banking / Green Banking / Integrated Account under the name of the same customer.(4) Each customer can enjoy Outward Telegraphic Transfer service charge waiver for up to 10 times during the promotion period. Prestige Banking customer enjoys fee waiver for a

remittance via Integrated Account of Prestige Banking by Personal e-Banking to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch. Prestige Bankingcustomer enjoys a privileged charge HK$220 for the non-domicile currency remittance via Integrated Account of Prestige Banking through Hang Seng branch to an account witha bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau.

(5) Prestige Banking Customers (per Prestige Banking account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day areentitled to the handling fee waiver - Up to USD: 7,500 / JPY: 300,000 / Thai Baht: 20,000 / NZD: 2,000 / AUD, CAD, EUR, GBP: 1,500 / CHF, ZAR: 1,000 units inforeign currency.Other customers (per account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling feewaiver - Up to USD: 1,500 / JPY: 150,000 / Thai Baht: 10,000 / NZD: 2,000 / AUD, CAD: 1,500 / EUR, GBP: 1,000 / CHF, ZAR: 500 units in foreign currency.

(6) Number of boxes is limited and the offer is subject to the availability of safe deposit boxes at each branch. Customers are required to pay the key deposit in full and full fee for theannual rental after the rental fee waiver period. During the valid period of the offer, customers who apply to rent more than one safe deposit box “A” will be entitled to enjoy thefull or half waiver as appropriate on fees for each box. Customers must pay a handling fee of HK$100 for cancellation of each safe deposit box within the rental fee wavier period.

(7) Prestige Banking Customers can enjoy 1,000 free quotes. Preferred Banking Customers can basically enjoy 500 free real-time quotes per month, and will enjoy extra 500 freequotes if there are holdings in their securities sub-account in that month.

(8) Investment Fund subscription fee discount offer does not apply to funds with subscription fee below 5% (except funds managed by Hang Seng Investment Management Limited),fund units with no subscription fees (e.g. Class B Units), money market funds, capital guaranteed funds, fund subscriptions pursuant to a Monthly Investment Plan for Funds, viathe Advanced Switching Service or Capital Guaranteed Fund Advance Reinvestment Service, or other funds/ fund transactions as specified by the Bank from time to time. This offercannot be used in conjunction with other investment fund subscription fee offer(s) of the Bank.

(9) Advanced Switching Service (the “Service”) is provided by Hang Seng Bank Limited (the “Bank”) and enables customers to use the advance made by the Bank toapply for subscription of units in another fund (the “New Fund”) before redemption proceeds from the original fund (the “Original Fund”) are deposited into theiraccounts, regardless of whether the New Fund and the Original Fund are managed by the same fund house, and to allow customers to repay the advanced amountwith the redemption proceeds thereafter. Customers should be aware that they may have to provide separate moneys to repay all/part of the advanced amountmade by the Bank to the customers for subscription for the New Fund, to bear the redemption fee (if applicable) for the redemption of the Original Fund, and topay interest and other charge(s) charged by the Bank in certain circumstances. The Service is available to Prestige Banking, Preferred Banking and IntegratedAccount customers who apply for redemption of a fund with redemption proceeds(estimated by the Bank based on the latest available unit price of that fund) ofnot less than HKD100,000 (or any other amount as specified by the Bank from time to time) in one single transaction. And for any single fund subscriptionapplication via the Advanced Switching Service placed through Hang Seng Personal e-Banking, the maximum subscription amount is HK$4,000,000 (or any otheramount as specified by the Bank from time to time). The Service does not apply to capital guaranteed funds, fund units with no subscription fees (e.g. Class BUnits), funds with a dealing frequency that is not daily, hedge funds or other funds as specified by the Bank from time to time. Funds in respect of which the Serviceis available may be changed from time to time without prior notice. Customers must read the full version of the Terms and Conditions stated in the application formfor the Service before applying therefor. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Serviceand will be bound by them. Copies of the Terms and Conditions for the Service are available at branches of the Bank and can be downloaded from the website ofthe Bank.

(10) The priority approval offer and the type of credit card eventually offered are subject to the final decision of the Bank. The Bank reserves the right to revoke thispriority approval offer at its discretion without giving any reason therefor.

(11) If customer holds more than one Hang Seng Credit Card, the Perpetual Annual Fee Waiver will be applicable to one of the credit cards with the highest annual feeonly but will not be applicable to Hang Seng Visa Infinite, World MasterCard, Corporate Card, Business Card, Commercial Card, USD Visa Gold Card and PrivateLabel Card. All annual fees paid prior to accepting this priority approval offer will not be refunded.

Credit Card Services• Priority approval (10) of Prestige Banking Platinum

Card and up to three Supplementary Cards• Priority approval (10) of Credit Card

• Renminbi Credit Card

Lending Services• Unsecured Overdraft Facility Annual Fee

• Personal Revolving Loan Annual Fee

Perpetual AnnualFee Waiver (11)

-


-


-

-


-

PerpetuallyWaived

First-yearwaived

First-yearwaived

First-yearwaived

First-yearwaived

First-yearwaived

-


-

First-yearwaived

First-yearwaived

PrivilegesPrestigeBanking

PreferredBanking

IntegratedAccount

GreenBanking

This page has been revised since 1 March 2014.

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