BSC Banking Service Magazine PDF

Banking Services
Fees and Charges

(Effective 1 October 2010)
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
PPL489-R22 (10/2010) (LT) v.2
F. Integrated Account Services and Privileges
The information in this guide is for customers reference with regard to the charges for various services offered by Hang Seng Bank Limited (the Bank). The Bank reserves the right to revise any fees, charges, special offers and other services from time to time. The Bank reserves the right to levy a charge on transactions conducted. For charges not listed in this guide, please contact our branches for details.
A. Deposit Services
Current Accounts Service
Cheque Returned - due to insufficient funds - due to other reasons - due to cheque amount exceeding RMB80,000** Unauthorised Overdraft Stop Cheque Payment Instruction RMB Cheque Handling Fee - autosweeping to cover insufficient funds - switching of deposit by customer to cover insufficient funds Cheque Mark Good - sent by customer - sent by Bank Cheque Book(s) delivery by Courier Service (1)
Charge
HK$150 per cheque (RMB 200**) HK$50 per cheque (RMB 50**) RMB 200 per cheque** HK$120 per item plus interest* on overdrawn balance HK$100 per cheque 1% of the total amount of transfer (min RMB: 200) 1% of the deposit to cover the insufficient funds of current account (min RMB: 200) HK$60 per cheque HK$200 per cheque HK$25 per item
* Interest is calculated daily and charged monthly at the Banks prevailing interest rate. ** Only applicable to RMB Current Account
Inactive Account Service Charges (2) Service

Low Balance Inactive Hong Kong Dollar Savings/Current Account - inactive for two years and balance below HK$2,000 Low Balance Inactive RMB Savings/Current Account - inactive for two years and balance below RMB 2,000 Low Balance Foreign Currency Savings and Foreign Currency Deposit/Current Account - inactive for two years and balance below U.S. Dollar Pound Sterling Euro Canadian Dollar Swiss Franc Australian Dollar New Zealand Dollar South African Rand Thai Baht Japanese Yen 300 200 200 400 400 400 400 1,500 10,000 50,000
Charge
For over 2 years HK$100 semi-annually For over 2 years RMB 50 semi-annually For over 2 years(3) Payable semi-annually USD 12 GBP 20 EUR 20 CAD 15 CHF 15 AUD 15 NZD 20 ZAR 60 THB 1,000 JPY 2,000 Service charges shall not be applicable if deposit in any one of these currencies is above the stipulated deposit level of the respective currency under the Multi-foreign Currency Passbook Savings Account.
Improperly conducted account closed by the Bank Within three months of the date of its opening
HK$150 annually Savings Account Current/Integrated Account HK$50 per account HK$200 per account
(1) (2) (3)
Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer. Excludes Integrated Account and FlexiForex/ProForex Trading Account. Applicable to all Foreign Currency Account. This page has been revised since 2 January 2010
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PPL489-R22 (10/2010) (LT) v.2
Account Closure
A. Deposit Services (contd)
HK Dollar Savings Deposit Rates Account Balance (HK$)

HK$150,000 and above HK$10,000 to HK$149,999 HK$5,000 to HK$9,999 HK$1,000 to HK$4,999 Below HK$1,000
Deposit Rate
0.01% 0.01% 0.01% 0% 0%
US Dollar Savings Deposit Rates Account Balance (US$)

US$1,000 and above Below US$1,000
Deposit Rate
0.001% 0%
RMB Dollar Savings Deposit Rates Account Balance (RMB)

RMB 5,000 and above Below RMB 5,000
Deposit Rate
0.45% 0%
Low Balance Foreign Currency Savings Deposit Rates Account Balance

Foreign Currency Savings Account with balance below 200 GBP 1,000 USD 500 CAD 200 EUR 500 AUD CHF 500 ZAR 2,000 NZD 500 30,000 JPY THB 10,000
Deposit Rate
0%
This page has been revised since 2 October 2009
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PPL489-R22 (10/2010) (LT) v.2

Others Service
Replacement of Hang Seng Card / Integrated Account Card of Prestige Banking / Integrated Account Card of Preferred Banking / Integrated Account Card / M.I. Kid AssetBuilder Card / Green Banking Smart Card M.I. Kid Medical Card - replacement - not returning card upon account closure Report Loss of Passbook / Chop(1) Gift Cheque
(2)(3)
Charge
HK$50 per card
HK$50 per card HK$100 per card HK$100 per account HK$15 per cheque Account Holder Non-Account Holder HK$60 per cheque HK$100 per cheque HK$60 per cheque (Plus: HK$300 payable to Clearing House of HKAB) Handling charge HK$60 per cheque
Cashiers Order - issuance(4) - report loss - re-purchased HKD Interbank Transfer Services - outward e-Transfer (via Electronic Clearing System - ECG) via Personal e-Banking / Business e-Banking: Express Transfer (via Clearing House Automated Transfer System - CHATS) via Personal e-Banking / Business e-Banking / Hang Seng HSBCnet #: Via other channels:
#
HK$30 per item HK$50 per item
HK$170 per item (5) HK$15 per item (5) HK$300 per letter (HK$20 for each additional letter if several letters are issued at one time) HK$100 per certificate (HK$100 for each additional account) HK$150 per item
- inward Channels subscribed by customers
(6)
Reference Letter
Certificate of Account Balance Bankers Endorsement on Customers Signature Cheque send to Guangdong and / or Shenzhen for cheque clearing Currency of Cheque HK$ US$ Company Search Fee - local company - overseas company
GD HK$50 N.A.
SZ HK$50 HK$100
HK$100 per account Min.: HK$2,000 per account (According to the Banks actual expenses)
(1)
This page has been revised since 2 January 2010
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PPL489-R22 (10/2010) (LT) v.2
Fee waiver is for customers with Senior Citizen Cards. Fee waiver is for the Prestige Banking Customers and customers with Senior Citizen Cards. Preferred Banking and Green Banking Customers can enjoy a privileged service charge of HK$7.5. (4) Prestige Banking Customers can enjoy a privileged service charge of HK$30, and fee waiver is for customers with Senior Citizen Cards. No privilege or fee waiver will be given to the issuance of Cashiers 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.
(2) (3)

Others Service
Account History Record of Savings or Time Deposit Accounts - for 1/2/3 year(s) - for more than 3 years Photocopying of: - statement (per cycle) - cheque/voucher/transaction adv (per copy) Issuance of Overdraft Interest Statement (per cycle) Coin Changing Charges(1) Night Safe Standing Instruction: - set up(2)(3)(4)/ amendment(2)(4) - returned due to insufficient funds Handling Letter of Instruction for Fund Transfer Set Up Direct Debit Authorisation (excluding Credit Card Accounts)(2)
Charge
HK$250/HK$750/HK$1,000 per account HK$1,000 per year thereafter HK$50 per cycle or per copy
HK$300 per copy HK$2 per sachet HK$700 per year HK$70 per item - transfer to Hang Seng Bank HK$100 per item - transfer to other banks HK$150 per item HK$150 per transfer Transfer to Hang Seng Bank Nil Transfer to other banks HK$30 per item (Transfers to HKSAR Government, Public Utilities, Educational and Charitable Institutions are exempted) HK$150 per item HK$1,000 per account per year Free HK$1 per additional cheque(5)
Auto Pay Returned Due to Insufficient Funds Special Mailing Instruction Bulk Cheque Deposit per customer per day - Up to 30 pieces - Over 30 pieces Bulk Cash Deposit per customer per day (Applicable to all currencies) - Up to 500 pieces of notes - Over 500 pieces of notes Bulk Coins Deposit per customer per day - Below 500 coins - 500 coins or above Transaction Charges ATM Savings Account Counter Service Fee - transfer / cash withdrawal(6) HKD Passbook/ Statement Savings Account below balance service fee(7) - average daily balance below HK$5,000 Personal data access request HKD account transactions conducted through branches per customer per calendar month (9)
(1) (2) (3) (4) (5) (6)
Free 0.25% on deposit amount (min. HK$50) Free 2% on deposit amount (min. HK$50) The Bank reserves the right to levy a charge on transactions conducted HK$20 per transaction
HK$50 per month Circumstantial ( maximum HK$500 per request) (8) 50 transactions or below Above 50 transactions Free HK$30 per transaction
(7)
(8)
(9)
Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet. 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. If there are no transactions recorded under this direct debit authorisation for more than two years, the Bank may cancel this direct debit authorisation without giving any notice. Fee waiver is for the Integrated Account of Preferred Banking and Green Banking and is not applicable to other account(s) under the name of the same customer. Fee waiver is for customers with Senior Citizen Cards. Waived if all cheques are deposited into the same account as one single transaction. If the account is maintained as an ATM Savings Account as at the 1st calendar day of the month, all related transactions within that whole month will be subject to the ATM Savings Account Counter Service Fee regardless of whether the account type is changed within the month, and the fee will be debited from the account on the 8th business day of the following month. Exemptions apply to senior citizens (aged 65 or above), customers aged below 21, recipients of government disability allowance and customers with any of the following products/services: Prestige Banking, Preferred Banking, Integrated Account, M.I. Kid AssetBuilder, Integrated Business Solutions (IBS) Account, overdraft facilities, loans, mortgages, investment funds, securities, monthly investment plans, life insurance, time deposits and the Hang Seng Credit Card principal card with a finance charge or cash advance transaction. This standard concessionary charge only applies to the first time and normal data access request. In other cases, the Bank reserves the right to charge the actual commercial cost incurred without applying a cap to the charge. However, in any case, the Bank will inform the data requestor individually the actual handling charge and will only process the request upon receiving the requestors acceptance. The total number of counter transactions includes all HKD account transactions made under the same customer name. Customers may also need to pay the relevant fee when conducting certain banking transactions, e.g. the counter transaction fee for ATM Savings Accounts, etc. The above mentioned service charge is applicable to Personal Customers only and the Bank reserves the right to change the maximum monthly counter transaction limit for individual customers. Commercial customers will be notified individually of their monthly quota of free counter transactions by mail.
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PPL489-R22 (10/2010) (LT) v.2

Others
International ATM Signages Location Handling Fee for Each Cash Withdrawal HK$20 Banking Services
HSBC ATM Network
- Asian Countries (Brunei, China [excluding Hong Kong Special Administrative Region], Macau, Malaysia, Philippines, Thailand, Singapore, Indonesia, Sri Lanka, etc.) and Middle East - Canada - United States (New York) - United Kingdom (London, Wales, etc.) - Mexico, Argentina, Brazil, Panama, France, Malta, Greece, Turkey - Worldwide (Australia, Canada, China [including Hong Kong and the Mainland China], Japan, Mexico, Singapore, Taiwan, UK, US, etc.)
Cash withdrawal, balance enquiry, funds transfer(1) and statement / cheque book request Cash withdrawal Cash withdrawal and balance enquiry Cash withdrawal and balance enquiry
HK$30 HK$30
Cash withdrawal and balance enquiry Cash withdrawal and balance enquiry
Plus System ATM Network - Worldwide the China Region (includes Hong Kong, Macau and Mainland China), Japan, Singapore, Korea, Thailand, Vietnam, the Philippines, United States, Germany, Spain, Luxembourg, Belgium, France, Turkey, Switzerland, Australia, Italy and Russia etc. HK$15 Cash withdrawal and balance enquiry in most countries / regions
CUP ATM Network
(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.
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PPL489-R22 (10/2010) (LT) v.2
B. Remittances and Foreign Exchange Services

Outward Remittances Service
Telegraphic Transfer - issuance
Charge
Via Personal e-Banking / Business e-Banking / Hang Seng HSBCnet#: - Remit to a beneficiary account with Hang Seng in Mainland China / Macau(1) HK$80 - Remit to a beneficiary account with another bank in Hong Kong / Mainland China / Taiwan / Macau HK$100 - Remit to a beneficiary account in other countries HK$100 (any currency) Via other channels: - Remit to a beneficiary account with Hang Seng in Mainland China / Macau (any currency)
Remarks
An additional HK$100 shall be charged if payment details are in Chinese (Exempted for HKD remittance to Macau)
HK$170
- Remit to a beneficiary account with another bank in Hong Kong / Mainland China / Taiwan / Macau (any currency) HK$200 - Remit to a beneficiary account in other countries HKD and domicile currency Non-Domicile currency(2) Plus: Foreign bank charges - amendment / cancellation Handling charge Plus: (if any) Cable charge Foreign bank charges Cable charge Plus: Foreign bank charges (Min: HK$200 per transaction)
#
HK$200 HK$260
HK$200 HK$100 HK$100
- cable enquiry
Channels subscribed by customers HK$100 HK$300 An additional commission of 0.25% on HKD demand draft issuance (maximum: HK$1,000; minimum: HK$120)
Demand Draft - issuance (3) - stop-payment
- re-purchased - amendment
Handling charge Handling charge Plus: Postage or cable charge Handling charge Handling charge
HK$100 HK$100
Inward Remittances Service

Credit to account with Hang Seng Bank (1) Onward transfer to other local banks
(1) (2) (3)
Charge
Handling charge HK$200
PPL489-R22 (10/2010) (LT) v.2
Handling charge
HK$60
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. Handling fee waiver is for the Integrated Account of Prestige Banking and only the cable charge of HK$200 will be charged. Handling fee waiver is not applicable to other account(s) under the name of the same customer. Prestige Banking Customers can enjoy a privileged service charge of HK$50.
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B. Remittances and Foreign Exchange Services (contd)

Travellers Cheques Service
Sales (1) - Encashment - Deposit into HKD/FCY T/T/ USD notes account Commission USD Other currencies (Min.:HK$60 per transaction)
Charge
1% 0.25% 0.375%
Remarks
Min.: HK$100 With Exemption on HSBC Group Member Travellers Cheques
Foreign Currency Notes/Cheques Exchange Service

Foreign Currency Notes Purchase/Sale
Charge
Account Holder RMB Free Other Currencies > HK$3,000 equivalent Free HK$3,000 equivalent HK$50 Per Transaction Non-Account Holder All currencies at any amount HK$50 Per Transaction
Remarks
Waived for Prestige(1) / Preferred(2) / Green(2) Banking Customers
Overseas Foreign 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
USD Other currencies (Min.: HK$60 per transaction) Waived 0.25% of deposit amount (Min.: HK$60 per transaction) Handling charge per cheque Plus: Foreign bank charges and Interest Handling charge per cheque Plus: Postage for registered airmail Foreign bank charges
0.25% 0.375%
HK$150
Interest shall be calculated at the prevailing bills advance rate of the related currency from the date of purchase Charges shall be collected irrespective of non-valid payment of the cheques
Foreign Cheques - collection
HK$200
Foreign Currency Notes - deposit into T/T account (3)
USD $50/$100 Notes USD $10/$20 Notes Other currencies Other currencies
0.25% of deposit amount 0.375% of deposit amount 0.375% of deposit amount 0.25% of withdrawal amount
PPL489-R22 (10/2010) (LT) v.2
- withdraw from T/T account (3)
Handling fee waived for RMB notes deposit / withdrawal

(1) (2) (3)
Fee waiver is for the Prestige Banking Customers. Fee waiver is for the Preferred Banking and Green Banking Customers. Prestige Banking Customers (per Prestige Banking account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver - Up to USD: 5,000 / JPY: 150,000 / Thai Baht: 10,000 / Other currencies: 1,000 units in foreign currency; other customers (per account) who withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver - Up to USD: 1,000 / JPY: 75,000 / Other currencies: 500 units in foreign currency.
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C. Securities and Investment Funds Services

Local Securities (1)
Securities Listed on HKEx
Service Handling Charge Min Max Bond RMB Bond CD/Other Structured Others Product (2)
Trade - Related Services Brokerage Fee (Applicable to all Securities trading channels) Exchange Listed Notes and Bonds Transaction Levy (collected by SFC) 0.25% of transaction amount HK$100 ---
0.2% of transaction amount 0.003% of transaction amount
HK$100 -------
---------
Trading Fee 0.005% of transaction amount (collected by HKEx) Stamp Duty (collected by HKSAR Government) HK$1 for every HK$1,000 of transaction amount or part thereof
N.A.
N.A.
Deposit Charge for HK$5/lot Purchase Orders (3) Prestige Banking: HK$2.5/lot waived if securities are sold before settlement Application of Newly-listed Securities/Notes Subscribe under Hang Seng Nominee Subscribe in client's own name with endorsement of the Bank
(1)
HK$30
HK$188
HK$100 per application
---
---
HK$50 per application
---
---
N.A.
N.A.
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (2) Other structured products include 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. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges may vary 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 Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
PPL489-R22 (10/2010) (LT) v.2
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C. Securities and Investment Funds Services (contd)

Service Handling Charge Min RMB Max Bond Bond CD/Other Structured Product(2)
Others
Scrip Handling & Settlement-Related Services Physical scrip deposit - Deposit Fee - Transfer deed stamp duty (collected by HKSAR Government) HK$30/securities/ transaction HK$5 for each transfer deed ---------
Physical scrip withdrawal - Withdrawal Fee HK$3.5/lot Through Central Clearing and Settlement System (CCASS) - Deposit Fee Free --HK$30 ----N.A. N.A. HK$30 ---
- Withdrawal Fee HK$3.5/lot Transfer of Entitlement (from one customer to another)
a) 0.125% of transfer value (both parties HK$100 --are required to pay) b) Stamp Duty (collected by HKSAR ----Government): HK$1 for every HK$1,000 of transaction amount or part thereof (both parties are required to pay) c) Withdrawal Fee: HK$3.5/lot HK$30 --d) Transfer deed stamp duty ----(collected by HKSAR Government): HK$5 for each transfer deed e) Physical Scrip Deposit Fee: ----HK$30/securities/ transaction
Non - Central Clearing and Settlement System (Non - CCASS) Transfer Transfer in / out Fee N.A. with other custodian Account Maintenance Custody Fee (3) (custody fee will only be charged once even though the securities account hold both securities and bonds during that month)
(1) (2) (3)
---
--- HK$500 / instruction
N.A.
HK$20/month Prestige Banking: HK$15/month no custody fee will be applied to account with no holdings and transactions during that month
---
--- Free HK$20/month Prestige Banking: HK$15/month
Free
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc. Prestige Banking Customers can enjoy preferential custody fee and deposit charge for purchase orders and 1,000 free real-time quotes. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges may vary 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 Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time. This page has been revised since 2 October 2009
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PPL489-R22 (10/2010) (LT) v.2

Service Handling Charge Min Max Bond RMB Bond CD/Other Structured Others Product (2)
Nominee Services and Corporate Actions - Collection of 0.5% on amount collected Dividends/ Interest - Scrip Dividends - Cash Offer - Privatisation - Conversion of Warrants (Cash Settled) - Receipt of Bonus Issues - Shares Consolidation/ Splitting - Right Issues - Conversion of Warrants (Receipt of Securities) HK$30/transaction HK$30 HK$2,000 Free Free
---
---
N.A.
N.A.
Maturity Redemption 0.2% of redemption amount of Exchange Listed Notes and Bonds Other Services Unclaimed Benefit Entitlement - Dividend - Bonus Issue Certificate of Account Balance HK$150/transaction plus relevant CCASS charges plus 0.5% on amount collected HK$30 per distribution
---
HK$300
Free
--HK$30 ---
--HK$2,000 --N.A. N.A.
HK$100 per certificate (HK$100 for each additional account)
Re-issuance of HK$100 per copy Transaction Advice Photocopying of: - Statement (per cycle)
(1)
HK$50 per cycle
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. (2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges may vary 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 Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
PPL489-R22 (10/2010) (LT) v.2
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Service Handling Charge Min Max Bond CD / Other RMB Structured Bond Others Product (2)
(1) (2)
Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basis specified. Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.
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PPL489-R22 (10/2010) (LT) v.2
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds) FREE Real-time Quote: Real-time Quote HK$10 --N.A. N.A. 500 quotes per month for Preferred Service Plan Banking / General Customers. (via Hang Seng 1,000 quotes per month for Prestige Personal Banking Customers. e-Banking Additional FREE Real-time Quote: Services) Preferred Banking Customers who have holdings in their securities account can enjoy additional 250 quotes in that month. Prestige Banking / Preferred Banking / General Customers: Additional 200 quotes for the respective month for every successful buy / 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 transactions may be carried forward to the next month and is determined in accordance with the following: (A): The balance of total additional free real-time quotes earned from successful buy/sell transactions during the month LESS the total additional free real-time quotes earned from successful buy/sell transactions in the first 24 calendar days of the month; or (B): The number of unused free realtime quotes of the month. Compare (A) with (B), the lower of the two can be carried forward to the next month; the additional free realtime quotes that are carried forward can only be used in the immediately following month and will be cancelled automatically if such free real-time quotes are not used in that month. (Calculation on the No. of free realtime quotes that can be carried forward 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 offered above.

Service Handling Charge Min Max Bond CD / Other RMB Structured Bond Others Product (2)
Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds) Real-time Snapshot HK$200 / month This service plan is suitable for high Service Plan usage investors. (via Hang Seng Full fee will be collected from the Personal settlement account of the designated e-Banking Services) 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. ----N.A. N.A.
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, you will enjoy 600 additional free real-time quotes. Therefore, together with the basic free entitlement of 500, you will have 1,100 free real-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, you need to pay HKD75, i.e. HKD0.05 x 1500 quotes. 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 HKD201,000 Total No. of Transactions: 1 2 Additional Free Real-time Quotes earned from 800 800 successful transactions during the period: No. of Free Real-time Quotes that can be Accumulated [d] [c]: 0 (A) (2) Basic Free Real-time Quotes: Total Free Real-time Quotes of the Month: Real-time Quotes Used of the Month: No. of Unused Free Real-time Quotes of the Month: 500 500 + 800 = 1,300 1,000 300 (B)
The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 0 Based on the trading activities in Case 3, the customer can enjoy more free real-time quotes by using the total trading turnover 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 800 additional free real-time quotes. The number of unused free real-time quotes that can be carried forward to the next month will be the lower of (A) and (B):
PPL489-R22 (10/2010) (LT) v.2
(A) Total additional free real-time quotes earned from successful buy/sell transaction during in the month LESS the total additional free 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
(1) (2)
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Service Handling Charge Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds) (B) The number of unused free real-time quotes of the month; i.e. 1,300 1,000 = 300 Compare (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 no additional free real-time quote that can be carried forward to the immediately following month. Case 4: Assume the securities transactions of the month for General Customers: 1st 24th of Month During the Month [c] [d] (1) Accumulated Turnover: Total No. of Transactions: Additional Free Real-time Quotes earned from successful transactions during the period: No. of Free Real-time Quotes that can be Accumulated [d] [c]: (2) Basic Free Real-time Quotes: Total Free Real-time Quotes of the Month: Real-time Quotes Used of the Month: No. of Unused Free Real-time Quotes of the Month: HKD200,000 4 800 HKD201,000 5 1,000 200 (A) 500 500 +1,000 = 1,500 1,400 100 (B)
The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 100 Based on the trading activities in Case 4, the customer can enjoy more free real-time quotes by using the total number of transactions 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 that can 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 additional free 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 = 100 Compare (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 immediately following month.
(1) (2)
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PPL489-R22 (10/2010) (LT) v.2

Service Handling Charge Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds)
Terms & Conditions: 1. Real-time Quote Service Plan is for Securities Account holders only. Customers who do not have any Securities Account with the Bank can enjoy delayed quotes. 2. 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 each trading session, will be counted into real-time quotes usage. Real-time quote usage includes stock quote enquiries via (i) Simple Quotes, Detailed Quotes, Watch List and the 1st entry page for securities order placement; (ii) the stock code hyperlink in Stock Comparison, Real-time Market News, SEHK News, Blue Chips Performance, Red Chips Performance, H Shares Performance and GEM Board Performance. 3. Stocks quotes on Exchange Traded Funds traded under the Pilot Programme during 09:30 to 16:15, and stock quotes on others products during 9:30 to12:45 and 14:30 to 16:15, will be counted as real-time quotes. 4. Each e-Banking customer is only entitled to ONE Real-time Quote Service Plan. 5. Transaction and turnover will be counted by combining the local securities trading records of all your Securities Account(s) 6. Fees of current month will be charged to your Securities Settlement Account at the beginning of the following month. If you have more than one Securities Account, we will select and debit one of your Settlement Accounts in the following priority: 1st Priority : Joint Name Securities Accounts Settlement Account prevails Sole Name Securities Accounts Settlement Account 2nd Priority : Settlement Account of Prestige Banking Integrated Account prevails Settlement Account of Preferred Banking Integrated Account; Settlement Account of Preferred Banking Integrated Account prevails Settlement Account of Integrated Account; Settlement Account of Integrated Account prevails HKD Current Settlement Account; HKD Current Settlement Account prevails HKD Savings Settlement Account 3rd Priority : Settlement Account with latest account opening date prevails an earlier Settlement Account 7. If your Settlement Account(s) balance is insufficient to settle the fee(s) in full, the Bank reserves the right to set off the fees at any of your Hong Kong Dollar Accounts with the Bank
(1) (2)
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PPL489-R22 (10/2010) (LT) v.2

Shenzhen and Shanghai B Shares (1)
Service Shenzhen Brokerage Fee Transaction Levy Stamp Duty Clearing Fee Handling Charge for Securities Transfer Deposit Charge for Purchase Orders Shanghai Brokerage Fee Transaction Levy Stamp Duty Clearing Fee Administration Fee Handling Charge for Securities Transfer Deposit Charge for Purchase Orders 0.8% of transaction amount 0.0255% of transaction amount 0.1% of transaction amount (For Sale Transactions Only) 0.05% of transaction amount 0.0045% of transaction amount HK$700 per request for each securities HK$30 per request HK$400 --------------------------0.8% of transaction amount 0.0341% of transaction amount 0.1% of transaction amount (For Sale Transactions Only) 0.05% of transaction amount HK$300 per request for each securities HK$30 per request HK$400 ----------------------Handling Charge Min Max
Singapore Securities - Jardine Group Stocks only (1)

Service Brokerage Fee Handling Charge Trading Fee Clearing Fee Deposit Charge for Purchase Orders Handling Charge 0.5% of transaction amount 0.25% of transaction amount 0.0075% of transaction amount 0.04% of transaction amount HK$10/lot for the first 100 lots HK$3.5/lot from 101st lot onwards Min HK$100 ------HK$30 Max ------US$393 HK$2,000
Except listed charges, all other charges are the same as those for local securities. Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges may vary 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 Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
(1)
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PPL489-R22 (10/2010) (LT) v.2

Overseas Securities (1) (Applicable to customers whose overseas securities accounts were opened on or before 31 March 2006)
Service Handling Charge Min Max iShares Settled in US Currency Listed in Hong Kong Brokerage Fee Transaction Levy (collected by SFC) Trading Fee (collected by HKEx) Deposit Charge for Purchase Orders US Securities Listed in Hong Kong Brokerage Fee Transaction Levy (collected by SFC) Trading Fee (collected by HKEx) Withdrawal Fee for Physical Scrips 0.5% of transaction amount 0.003% of transaction amount 0.005% of transaction amount HK$100 handling fee per request plus HK$600 DTC(2) charges per request and out-of-pocket expenses HK$100 handling fee per request plus HK$200 DTC(2) charges per request and out-of-pocket expenses HK$100 handling fee per request plus HK$600 DTC(2) charges per request and out-of-pocket expenses HK$10/lot 0.75% on amount collected HK$100 --------------0.5% of transaction amount 0.003% of transaction amount 0.005% of transaction amount US$1/lot US$20 ----US$4 ------US$25
Cross Border Transfer Fee for Receipt/ Delivery of Foreign Securities Warrant Conversion, Voluntary Takeover, Tender Offer & Open Offer Deposit Charge for Purchase Orders Collection of Dividends/Interest US/UK/Japan Collection of Dividends/Interest
---
---
---
---
HK$30 HK$60
HK$2,000 HK$2,500
0.75% on amount collected
HK$60
HK$2,500
Other Charges (Applicable to all the securities mentioned above) Transfer-out HK$30/securities/transaction plus out-of-pocket expenses -----
Except listed charges, all other charges are the same as those for local securities. US Depository Trust Company Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/or nominee services by the Bank. Such third party costs, fees and charges may vary 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 Seng Bank Limited reserves the right to revise any charges, special offers and other services from time to time.
(1) (2)
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PPL489-R22 (10/2010) (LT) v.2

Services Charges for Hang Seng A Share Investment Services (1)
Account Fee Account Service Fee (2) (Monthly) Custody Fee
(2)
Charges RMB50 0.25%p.a. on account balance (3) Charges 0.5% on amount collected (Min. RMB30; Max. RMB2,000) RMB30 per time
(Monthly)
Company Activities Cash Dividend/Interest Collection Fee Collection of Script Bonus

(1) (2) (3)
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. The Account Service Fee/Custody Fee will be charged at every month-end starting from the month following the account opening date. 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/or nominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.
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PPL489-R22 (10/2010) (LT) v.2

Investment Funds
Charge Item Charge Funds under Hang Seng Investment Series and Hang Seng Islamic Investment Series Class A Units Subscription Fee (1) Hang Seng Investment Nil Series: Up to 4% Hang Seng Islamic Investment Series: Up to 3% Class B Units Up to 5.5%
Other Funds
Switching Handling Fee (2) Via Branch/Phone Banking: Nil (applicable to switching 1%; within same fund house) Via Hang Seng Personal e-Banking: 0.5% Management Fee (p.a.) Hang Seng Investment Series: Up to 1.5% Hang Seng Islamic Investment Series: Up to 1%
Via Branch/Phone Banking: 1%; Via Hang Seng Personal e-Banking: 0.5%
Hang Seng Investment Up to 2.75% Series: Up to 1.5% Hang Seng Islamic Investment Series: Up to 1% Up to 1% Holding Period Less than 1 year: 3% 1 year - less than 2 years: 2% 2 years - less than 3 years: 1% Class B Units will be automatically converted to Class A Units after 3 years, upon which no redemption fee will apply. Depending on individual fund house Up to 0.5% (applicable to selected funds only and reflected in the bid price)
Administration Fee (p.a.) (3) Nil Redemption Fee (4) Nil
Investment Fund Account Annual Fee Issue Certificate of Investment Funds Account Balance Re-print Contract Note / Confirmation for transaction(s) Re-print Investment Funds Account Monthly Statement
(1) (2)
HK$50 semi-annually (Waived for Integrated Account holders) HK$100 per certificate
HK$100 per copy
HK$50 per copy
Up to 2% subscription fee discount for Prestige Banking customers. The switching handling fee is charged by the Bank in respect of switching of funds under the same fund series, customer is not required to separately pay the switching fee (if any) charged by the relevant fund. The switching fee for Class A units of the Funds of the Hang Seng Investment Series and Hang Seng Islamic Investment Series is up to 2%, but such fee is currently waived for the Class A units of the Money Market Funds of the Hang Seng Investment Series. This offer is valid until further notice. No switching fee will be charged in respect of switching of Class B Units. However, the fund manager is entitled to charge a switching fee of up to 1.0% of the issue price of the relevant Class B Units as on the day of switching where the fund manager considers that there has been undue frequent switchings from the same investor within a short period of time. Both the Hang Seng Islamic Investment Series and the Hang Seng Investment Series are managed by the same fund manager (i.e. Hang Seng Investment Management Limited) but they are two independent and separate investment series and the investments of funds in the Hang Seng Investment Series are made without reference to Islamic Investment (or Shariah) Principles. (3) Administration fee reflects the handling and update of transaction records, redemption fee calculation and the arrangement for converting Class B Units into Class A Units done by the fund manager. The administration fee of up to 1% p.a., is currently waived for the Hang Seng Index Fund Class B Units, Hang Seng China H-Share Index Fund Class B Units and Hang Seng China Index Fund Class B Units. This offer is valid until further notice. (4) Redemption fee is calculated based on the redemption proceeds of the Units being redeemed. A flat rate of 1% is charged on redemption during the first 3 years holding period of Class B Units of the Hang Seng Index Fund, Hang Seng China H-Share Index Fund and Hang Seng China Index Fund. This 1% redemption fee offer is valid until further notice. Please contect the Banks staff for details of the fees before redemption of Class B Units.
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PPL489-R22 (10/2010) (LT) v.2
D. Credit Card Services

Annual Fee
Visa Infinite / World MasterCard Platinum Card Gold Card Classic Card Visa Business Card / MasterCard Corporate Card - Gold Card - Classic Card Renminbi Credit Card - Platinum Card - Gold Card - Classic Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card - HK$6,000 - HK$1,000 - HK$800 - HK$400 - HK$540 - HK$270 - HK$240 - HK$120
HK$540 per Card HK$240 per Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card Principal Card Supplementary Card HK$50 per Card CNY800 CNY400 CNY540 CNY270 CNY240 CNY120
USD Visa Gold Card
- US$70 - US$35
alpha card
For enquiries on credit card services, please call our 24-Hour Customer Service Hotlines: Hang Seng Visa Infinite 2998 8228 Hang Seng World MasterCard 2998 8111 The Hong Kong Jockey Club Membership Card 2998 8833 Hang Seng Platinum Card / Prestige Banking Platinum Card 2998 8222 Hang Seng Credit Card / Spending Card / Corporate Card / Business Card / 2398 0000 Commercial Card Hang Seng enJoy Visa Platinum Card / Spending Card 2998 8888 Hang 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 (CUP) 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.
The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.
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PPL489-R22 (10/2010) (LT) v.2
D. Credit Card Services (contd)

Card Replacement Fee
Visa Infinite / World MasterCard / Platinum Card / Gold Card / Classic Card / Visa Business Card / MasterCard Corporate Card / Priority Pass Card Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card The Hong Kong Jockey Club Membership Card (MasterCard / Private Label Card) HK$100 per card account
CNY100 per card account
HK$100 per card account for lost card replacement change of photo or signature (subject to the Clubs approval) US$13 per card account HK$20 per card account
USD Visa Gold Card Club Marina Cove Membership Credit Card / enJoy Private Label Card e-shopping MasterCard enJoy Spending Card / alpha card
Principal Card - HK$100 HK$50 per card account
Late Charge
Visa Infinite / Platinum Card / Gold Card / Classic Card / Visa Business Card / MasterCard Corporate Card / USD Visa Gold Card / Private Label Card If the Customer fails to make the minimum payment amount on or before the payment due date, a late charge of HK$180/US$23; or HK$200 (Applicable to selected customers, please refer to the leaflet enclosed with the new card) will be levied each time. If the Customer fails to make the minimum payment amount on or before the payment due date, a late charge of CNY180 will be levied each time. If the Customer fails to make the minimum payment amount on or before the payment due date, a late charge of 5% of the minimum payment amount (minimum HK$30; maximum HK$100) will be levied each time.
Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card
World MasterCard / The Hong Kong Jockey Club Membership Card (MasterCard / Private Label Card) / Club Marina Cove Membership Credit Card / enJoy Private Label Card
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PPL489-R22 (10/2010) (LT) v.2

Overlimit Fee
Visa Infinite / Platinum Card / Gold Card / Classic Card / Visa Business Card / MasterCard Corporate Card / USD Visa Gold Card / Private Label Card Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card World MasterCard / The Hong Kong Jockey Club Membership Card (MasterCard / Private Label Card) / Club Marina Cove Membership Credit Card An overlimit fee of HK$180/US$23 per month will be charged if the outstanding balance exceeds the prescribed credit limit.
An overlimit fee of CNY180 per month will be charged if the outstanding balance exceeds the prescribed credit limit. An overlimit fee of HK$100 per month will be charged if the outstanding balance exceeds the prescribed credit limit by more than 10%.
Cash Advance Handling Fee

Visa Infinite / World MasterCard / Platinum Card / Gold Card / Classic Card / Visa Business Card / MasterCard Corporate Card / USD Visa Gold Card A handling fee of 3% of the cash advance amount (minimum HK$80/US$10) will be charged for every cash advance transaction. Cash advance transaction can be made at Hang Seng Bank/HSBC Group ATMs, other ATMs with Visa/PLUS, MasterCard/Cirrus or CUP signage, financial institutions with Visa or MasterCard signage and over the counters of Hang Seng Bank. A handling fee of 3% of the cash advance amount (minimum CNY80) will be charged for every cash advance transaction. Cash advance transaction can be made at ATMs with CUP signage on mainland China. A handling fee of 3% of the cash advance amount will be charged for every cash advance transaction. Minimum handling fee for every cash advance transaction made at Hang Seng Bank/HSBC Group ATMs or over the counters of Hang Seng Bank and at other ATMs with MasterCard/Cirrus signage or financial institutions with MasterCard signage are HK$20 and HK$40 respectively.
Renminbi Platinum Card / Renminbi Gold Card / Renminbi Credit Card
The Hong Kong Jockey Club Membership Card (MasterCard)
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PPL489-R22 (10/2010) (LT) v.2

Other Fees
SelectImage MasterCard Administration Fee - Only applicable to the Customers who are enjoying any annual fee waiver (Hang Seng Credit Card Rewards Programme excluded) Printing Company Logo Administration Fee - Only applicable to Visa Business Card / MasterCard Corporate Card Foreign Currency Transaction Conversion Fee HK$100 per year (per card account) Services less than 1 year will also be charged with a full annual administration fee
HK$100 per year (per each Business / Corporate Card)
Foreign currency transactions will be converted into Hong Kong Dollars (for USD Visa Gold Card, the non-USD transactions will be converted into US Dollars) at a rate selected by the relevant Card Association from the range of rates available in wholesale currency markets for the applicable conversion date or the government-mandated rate in effect for the applicable conversion date, in each instance plus 1.95% / 1.2% (only applicable to The Hong Kong Jockey Club Membership Card (MasterCard) and CUP Credit Card) (inclusive of the reimbursement charge levied by the relevant Card Association on Hang Seng Bank). HK$100/US$13 per item
Returned Cheque/Autopay Reject Handling Fee Sales Draft Retrieval Fee
Original - HK$80/US$12 per copy Copy - HK$30/US$4 per copy Free for statement issued within 3 months HK$50/US$7 per page for statement issued beyond 3 months HK$200 (local copy)/US$50 (foreign copy)
Statement Copy Retrieval Fee
Credit Reference Letter Fee(1)

(1)
Postage fee required for mailing to the relevant local/foreign institutions is included.
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PPL489-R22 (10/2010) (LT) v.2

Other Fees
Payment by Foreign Cheque / Cashiers Order HK$60 per cheque For payment made by cheque/cashiers order of Macau Banks, an additional 0.25% of cheque amount or HK$100 (whichever is higher) will be charged. HK$35 per cashiers order
Credit Balance Refund by Cashiers Order Handling Fee for payment Over the Counter at Branch(2)
HK$30 per transaction
Other Fees of Renminbi Credit Card

Autopay Reject Handling Fee Sales Draft Retrieval Fee CNY100 per item Original - CNY80 per copy Copy - CNY30 per copy Free for statement issued within 3 months CNY50 per page for statement issued beyond 3 months CNY200 (local copy)/US$50 (foreign copy) CNY35 per cashiers order
Credit Reference Letter Fee(1) Credit Balance Refund by Cashiers Order

(1) (2)
Postage fee required for mailing to the relevant local/foreign institutions is included. Customers who can present Visa Infinite, World MasterCard, The Hong Kong Jockey Club Membership Card (MasterCard/Private Label Card) or Renminbi Card or a copy of the above mentioned Cards will be exempted from this fee.
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PPL489-R22 (10/2010) (LT) v.2

Hang Seng Visa Commercial Card / Hang Seng MasterCard Commercial Card
Annual Fee Card Replacement Fee Late Charge
HK$240 per Card HK$100 per card account If the Customer fails to make the minimum payment amount on or before the payment due date, a late charge of 8% of the minimum payment amount (minimum HK$150; maximum HK$300) will be levied each time. An overlimit fee of HK$150 per month will be charged if the outstanding balance exceeds the prescribed credit limit by more than 5%. A handling fee of 3% of the cash advance amount (minimum HK$80) will be charged for every cash advance transaction. Cash advance transaction can be made at Hang Seng Bank/HSBC Group ATMs, other ATMs with Visa/PLUS or MasterCard/Cirrus signage, financial institutions with Visa or MasterCard signage and over the counters of Hang Seng Bank. HK$100 per year (per each Commercial Card)
Overlimit Fee
Cash Advance Handling Fee
Administration Fee for Printing of Company Logo on Card Face Service(1) Foreign Currency Transaction Conversion Fee
Foreign currency transactions will be converted into Hong Kong Dollars at a rate selected by the relevant Card Association from the range of rates available in wholesale currency markets for the applicable conversion date or the government-mandated rate in effect for the applicable conversion date, in each instance plus 1.95% (inclusive of the reimbursement charge levied by the relevant Card Association on Hang Seng Bank). HK$100 per item
Returned Cheque/Autopay Reject Handling Fee Sales Draft Retrieval Fee
Original - HK$80 per copy Copy - HK$30 per copy
(1)
The service is not applicable to Hang Seng enJoy Commercial Card.
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PPL489-R22 (10/2010) (LT) v.2

Hang Seng Visa Commercial Card / Hang Seng MasterCard Commercial Card (contd)
Free for statement issued within 3 months HK$50 per page for statement issued beyond 3 months HK$200 (local copy) / US$50 (foreign copy) HK$60 per cheque For payment made by cheque/cashiers order of Macau Banks, an additional 0.25% of cheque amount or HK$100 (whichever is higher) will be charged. HK$35 per cashiers order
Credit Reference Letter Fee(1) Payment by Foreign Cheque/ Cashiers Order
Credit Balance Refund by Cashiers Order

(1)
Postage fee required for mailing to the relevant local / foreign institutions is included.
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PPL489-R22 (10/2010) (LT) v.2
E. Lending Services
Secured Loans Secured Overdraft Facility
Item Monthly Handling Fee
(1)
Charge 0.01% on the Secured Overdraft Limit
Property Instalment Loans

Service Application Fee Charge HK$1,000 - HK$2,000 per application (payable upon application and not applicable to customers under special schemes, e.g. Home Ownership Scheme) Waived (personal borrower) 0.5% on loan amount (company borrower) 0.5% on loan amount 0.5% on loan amount 0.5% on further charge amount
Front End Fee - new purchase of residential mortgage - non-residential mortgage - rental property - further charge
Vehicle Loans
Service Assignment (Change of Hirer) / Change of Agreement Term Transfer or Retain Vehicle Registration Mark Vehicle Replacement Loan Handling Fee (Except Taxi and PLB Loan)
(1)
Charge HK$1,000 HK$500 - HK$600 HK$500 - HK$600 HK$250
If the secured overdraft limit is initially granted on or before June 2008, this fee is not applicable.
Note: The above information is for customers 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.
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PPL489-R22 (10/2010) (LT) v.2
E. Lending Services (contd)

Mortgage Lending Related Services
Service Photocopying of: - Letter of Offer - Title Deeds Issuance of Interest Statement Charge HK$100 per copy HK$200 per copy of deed HK$100 per account / each financial year (free for first copy of personal residential mortgage account for the last financial year) HK$200 per letter HK$150 per account balance (Max.: HK$1,200 ; Min.: HK$300) Additional copies: HK$100 per copy HK$100 per copy HK$100 per copy HK$1,000 per letter HK$1,000 per account HK$200 per copy HK$2,000 per year HK$200 per copy HK$130 per item (applicable on or before 31 January 2010) / HK$150 (applicable on or after 1 February 2010) HK$30 per instalment HK$400 per transaction
Issuance of Certified Charge Bank Confirmation for Audit Purpose
Re-issuance of Repayment Schedule Re-issuance of Interest Rate Change Advice Lease Consent Letter on Charged Property Change of Repayment Schedule on Mortgage Loan* Credit Information Custody of Non-discharged Deeds after Full repayment Issuance of Redemption Statement for Existing Account Autopay Returned Due to Insufficient Funds Using Debit Note for Repayment Late Charge* (Including handling fee for autopay returned due to insufficient fund) (This charge will be effective on 1 February 2010)
* Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.
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PPL489-R22 (10/2010) (LT) v.2

Unsecured Loans Unsecured Overdraft Facility
Item Annual Fee For personal customers: 0.5% - 1% of the overdraft limit (minimum HK$200, maximum HK$800) Prestige Banking Customers: Perpetually Waived Other Integrated Account customers: First Year waived Late Charge HK$100 Charge
Personal Instalment Loan

Item Handling Fee Prepayment Handling Fee Default Interest Charge Please refer to the promotional leaflet Not more than HK$800 Monthly instalment due calculated at the rate of 2.25% per month from the due date of such instalment until the date of full payment HK$200
Late Charge
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PPL489-R22 (10/2010) (LT) v.2

Personal Revolving Loan
Item Annual Fee ATM Cash Withdrawal / Fund Transfer / EPS Payment Handling Fee HK$300 Unless otherwise specified, the handling fee for cash withdrawal / fund transfers made at Hang Seng / HSBC ATMs / EPS payment is 2% of the transaction amount or HK$50 (whichever is higher) Withdrawal / transfer at ATMs other than those of Hang Seng and HSBC located in Hong Kong is subject to additional handling fee, maximum up to HK$31 If the customer fails to make the minimum payment on or before the payment due date, a late charge of 5% of the minimum payment (minimum HK$100 (applicable on or before 31 January 2010) / HK$150 (applicable on or after 1 February 2010); Maximum HK$200) will be imposed If the accounts outstanding balance exceeds the credit limit by more than 10%, an overlimit fee of HK$100 (applicable on or before 31 January 2010) / HK$150 (applicable on or after 1 February 2010) per month will be levied HK$100 per cheque Free for statement issued within 3 months HK$50 per page for statement issued beyond 3 months HK$200 (local copy) / US$50 (foreign copy) HK$60 per cheque For payment made by cheque / cashiers order of Macau Banks, an additional 0.25% of cheque amount or HK$100 (whichever is higher) will be charged HK$35 per cashiers order All transactions effected by Revolving Loan Account in currencies other than Hong Kong Dollars shall be debited to the Revolving Loan Account after conversion into Hong Kong Dollars. For the transactions effected via the PLUS networks, the money withdrawn is first converted to US Dollars, and then to Hong Kong Dollars, at the daily exchange rates set by VISA and HSBC respectively, plus a 1% conversion charge. For the other networks, the money withdrawn is converted directly to Hong Kong Dollars at the daily exchange rates set by HSBC plus a 1% conversion charge Charge
Late Charge
Overlimit Fee
Returned Cheque Handling Fee Statement Copy Retrieval Fee Credit Reference Letter Fee (1) Payment by Foreign Cheque / Cashiers Order
Credit Balance Refund by Cashiers Order Foreign Currency Conversion
(1)
Postage fee required for mailing to the relevant local / foreign institutions is included
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PPL489-R22 (10/2010) (LT) v.2
F. Integrated Account Services and Privileges

Type of Integrated Accounts
Prestige Banking For customer with a Total Relationship Balance(2) of HK$1,000,000 or above HK$500,000 - HK$999,999 Below HK$500,000 Preferred Banking For customer with a Total Relationship Balance(2) of HK$200,000 or above HK$50,000 - HK$199,999 Below HK$50,000 Integrated Account For customer with a Total Relationship Balance(2) of HK$10,000 or above Below HK$10,000
Charges(1)
Waived HK$40 per month HK$340 per month
Waived HK$26 per month HK$106 per month
Waived HK$60 per month
(1) (2)
Monthly Fee will be charged on the 8th business day of each month based on the Total Relationship Balance in the previous month. Monthly Fee is not applicable to Integrated Account holders aged under 21 except Integrated Account holders of Prestige Banking and Preferred Banking. The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by Hang Seng Bank as an agent as well as Hang Seng MPF balance. For sole name Integrated Account holders, their other joint name account(s) will also be included.
This page has been revised since 1 November 2009
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PPL489-R22 (10/2010) (LT) v.2
F. Integrated Account Services and Privileges (contd)

Privileges
Prestige Banking Deposit, Remittances and Foreign Exchange Services (1) Gift Cheque Handling Charge Issuance of Cashiers Order Handling Charge (2) Issuance of Demand Drafts Handling Charge Outward Remittance Handling Charge (3)(4) Set-up of Standing Instructions Handling Charge (3) Amendment of Standing Instructions Handling Charge (3) Purchase/Sale of Foreign Currency Notes Handling Charge Foreign Currency Notes Deposits / Withdrawals Handling Charge (5) Inward Remittance Handling Charge (3) Inward CHATS Handling Charge (3) Purchase of Travellers Cheque Handling Charge Set-up of Direct Debit Authorisations (excluding Credit Card Account) Handling Charge (3) Coin Changing Charge Cheque Book(s) delivery by courier Service Charge (3) Safety Deposit Box A Rental Fee (6) Securities and Investment Funds Services Securities Custody Fee Free Real-time Stocks Quotes (7) Deposit Charge For Purchase Order for Local Securities Investment Fund Subscription Fee (8) Preferred Banking Green Banking Integrated Account
Waived HK$30 HK$50 Waived Waived Waived Waived Waived Waived Waived Waived Waived HK$1 per sachet Waived First-year waived
HK$7.5 Waived Waived Waived First-year waived
HK$7.5 Waived Waived Waived First-year waived
Waived -
25% discount 1,000 per month 50% discount 2% discount for all funds in the Hang Seng Investment Series (Funds with subscription fee 5%: 2% discount Funds with subscription fee < 5%: 0.5% discount)
750 per month 1% discount for all funds in the Hang Seng Investment Series (Funds with subscription fee 5%: 1% discount) 2% subscription fee
Advanced Switching Service with Preferential Subscription Fee for New Funds (9)
2% subscription fee
Lending Services Unsecured Overdraft Facility Annual Fee Handy Cash Personal Instalment Loan Handling Fee Personal Revolving Loan Annual Fee
Perpetually Waived First-year waived (12) First-year waived (12) First-year waived (12) 50% discount (12) First 2 years First 2 years First 2 years First 2 years waived (12) waived (12) waived (12) waived (12)
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PPL489-R22 (10/2010) (LT) v.2
Credit Card Services Pre-approved (10) Prestige Banking Platinum Card Perpetually Waived (11) + 3 supplementary cards Annual Fee Perpetually Waived (11) Pre-approved (10) Gold Card Annual Fee Classic Card Annual Fee Perpetually Waived (11) Perpetually Waived (11) Perpetually Waived (11) Renminbi Credit Card Annual Fee
F. Integrated Account Services and Privileges (contd)

Remarks: All privileges are valid until 31 December 2010. Hang Seng Bank (the Bank) reserves the right to suspend, vary or discontinue the above offers at any time without prior notice. In case of disputes, the decision of the Bank will be final. Investment involves risks. Investors should refer to relevant offering document of the relevant investment products before making any investment decision. Prices of investments (stocks, bonds and investment funds) may go up or down and may become worthless.
(1) (2)
Each customer can enjoy each complimentary banking service of a maximum of 10 times per month. No privilege will be given to the issuance of Cashiers Order for the purpose of IPO subscription. (3) Privileges are not applicable to other non-Prestige Banking / Preferred Banking / Green Banking Integrated Account(s) 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. Offer is only applicable to a remittance to a beneficiary account with Hang Seng Bank (China) Limited or Macau Branch via Personal e-Banking. For remittances in non-domicile currencies conducted via Hang Seng branches to a beneficiary account maintained with any bank in any location apart from Hong Kong / Mainland China / Taiwan / Macau, the relevant handling fee will be waived and only the cable charge of HK$200 will be levied. (5) Prestige Banking Customers (per Prestige Banking account) who deposit / withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver - Up to USD: 5,000 / JPY: 150,000 / Thai Baht: 10,000 / Other currencies: 1,000 units in foreign currency; other customers (per account) who withdraw the foreign currency notes subject to the following limits in one single day are entitled to the handling fee waiver - Up to USD: 1,000 / JPY: 75,000 / Other currencies: 500 units in foreign currency. (6) Number of boxes is limited and the offer is subject to the availability of safe deposit boxes at each branch. Customers are required to pay the key deposit in full and full fee for the annual rental after the rental fee waiver period. During the valid period of the offer, customers who apply to rent more than one safe deposit box A will be entitled to enjoy the full or half waiver as appropriate on fees for each box. Customers must pay a handling fee of HK$100 for cancellation of each safe deposit box within the rental fee wavier period. (7) Prestige Banking Customers can enjoy 1,000 free quotes. Preferred Banking Customers can basically enjoy 500 free real-time quotes per month, and will enjoy extra 250 free quotes 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, via the Advanced Switching Service or Capital Guaranteed Fund Advance Reinvestment Service, or other funds/ fund transactions as specified by the Bank from time to time. This offer cannot be used in conjunction with other investment fund subscription fee offer(s) of the Bank. (9) Advanced Switching Service (the Service) is provided by Hang Seng Bank Limited (the Bank) and enables customers to use the advance made by the Bank to apply for subscription of units in another fund (the New Fund) before redemption proceeds from the original fund are deposited into their accounts, regardless of whether the fund to be subscribed for and the fund to be redeemed are managed by the same fund house, and to allow customers to repay the advanced amount with the redemption proceeds thereafter. Customers should be aware that they may have to provide separate moneys to repay all/part of the advanced amount made by the Bank to the customers for subscription for the New Fund, to bear the redemption fee (if applicable) for the redemption of the Original Fund, and to pay interest and other charge(s) charged by the Bank in certain circumstances. The Service is available to Prestige Banking, Preferred Banking and Integrated Account customers who make a subscription for a fund with a subscription amount of HK$100,000 (or other amount as specified by the Bank from time to time) or more in one single transaction. The Service does not apply to funds with a dealing frequency that is not daily, hedge funds, capital guaranteed funds, Class B Units or other funds as specified by the Bank from time to time. Funds in respect of which the Service is available may be changed from time to time without prior notice. Customers must read the full version of the Terms and Conditions for the Service before applying for the Service. By using the Service, customers are deemed to have accepted the full version of the Terms and Conditions for the Service and will be bound by them. Copies of the Terms and Conditions for the Service are available at branches of the Bank and can be downloaded from the website of the Bank. (10) The pre-approval offer is subject to the Banks final decision and the Bank reserves the right to revoke this pre- approved offer at its discretion. (11) The annual fee waiver is only applicable to one Hang Seng Credit Card (except Prestige customers holding Renminbi Credit Card) and limited to existing designated Integrated Account holders. (12) Applicable to new lending customers only.
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PPL489-R22 (10/2010) (LT) v.2

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Banking Services

Fees and Charges

F. Integrated Account Services and Privileges

Inactive Account Service Charges (2) Service

(1) (2) (3)

PPL489-R22 (10/2010) (LT) v.2

A. Deposit Services (contd)

HK Dollar Savings Deposit Rates Account Balance (HK$)

US Dollar Savings Deposit Rates Account Balance (US$)

RMB Dollar Savings Deposit Rates Account Balance (RMB)

Low Balance Foreign Currency Savings Deposit Rates Account Balance

This page has been revised since 2 October 2009

PPL489-R22 (10/2010) (LT) v.2

A. Deposit Services (contd)

HK$30 per item HK$50 per item

- inward Channels subscribed by customers

This page has been revised since 2 January 2010

PPL489-R22 (10/2010) (LT) v.2

A. Deposit Services (contd)

This page has been revised since 2 January 2010

PPL489-R22 (10/2010) (LT) v.2

A. Deposit Services (contd)

HSBC ATM Network

CUP ATM Network

PPL489-R22 (10/2010) (LT) v.2

B. Remittances and Foreign Exchange Services

HK$200 HK$100 HK$100

Demand Draft - issuance (3) - stop-payment

Inward Remittances Service

This page has been revised since 2 October 2009

B. Remittances and Foreign Exchange Services (contd)

Foreign Currency Notes/Cheques Exchange Service

Foreign Cheques - collection

Foreign Currency Notes - deposit into T/T account (3)

- withdraw from T/T account (3)

Handling fee waived for RMB notes deposit / withdrawal

This page has been revised since 2 January 2010

C. Securities and Investment Funds Services

0.2% of transaction amount 0.003% of transaction amount

HK$100 per application

HK$50 per application

This page has been revised since 1 October 2010

C. Securities and Investment Funds Services (contd)

- Withdrawal Fee HK$3.5/lot Transfer of Entitlement (from one customer to another)

--- HK$500 / instruction

--- Free HK$20/month Prestige Banking: HK$15/month

PPL489-R22 (10/2010) (LT) v.2

C. Securities and Investment Funds Services (contd)

--HK$2,000 --N.A. N.A.

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

HK$50 per cycle

This page has been revised since 2 January 2010

C. Securities and Investment Funds Services (contd)

PPL489-R22 (10/2010) (LT) v.2

C. Securities and Investment Funds Services (contd)

C. Securities and Investment Funds Services (contd)

PPL489-R22 (10/2010) (LT) v.2

C. Securities and Investment Funds Services (contd)

PPL489-R22 (10/2010) (LT) v.2

C. Securities and Investment Funds Services (contd)

Singapore Securities - Jardine Group Stocks only (1)

PPL489-R22 (10/2010) (LT) v.2

C. Securities and Investment Funds Services (contd)