Pricing Guide

Pricing details
at your fingertips

We believe that you come first

At Standard Chartered Bank, weve made banking even more convenient and easy for youwith a choice of how and where youd like to bank.

Our complete banking services include: Network of branches shared ATM network

Phone Banking (Dial toll-free 1800 747 7000) Internet Banking (standardchartered.com.sg) SMS Info-On-Demand at 9012 7000 NETS payment islandwide Global access to Cirrus and Maestro Networks

Contents
Singapore Dollar (SGD) Savings and Chequing Accounts 2 Foreign Currency (FCY) Savings and Chequing Accounts 4

Time Deposit Accounts

Remittances Telegraphic Transfers (TT) Drafts/Cheques Cheque Charges Cashiers Orders (CO) GIRO Standing Instruction (SI)

7 8 9 10 10 10

Safe Deposit Box

11

Other Services

12

Priority Banking

14

Preferred Banking

15

Summary of Charges

16

Call 1800 747 7000

or visit standardchartered.com.sg

Singapore Dollar (SGD) Savings and Chequing Accounts

Savings Accounts e$aver Account Min. initial deposit Min. average daily balance Fall-below fee Early account closure fee (within first 6 months) Basic Bank Account Min. initial deposit Min. average daily balance Monthly service charge Fall-below fee Early account closure fee (within first 6 months) Passbook replacement fee Savings Account Min. initial deposit Min. average daily balance Fall-below fee Early account closure fee (within first 6 months) Passbook replacement fee Special Savers Account
(For existing accounts only)

S$0 S$0 S$0 S$0 S$201 S$0 S$21 (regardless of balance) S$0 S$30 S$30 S$2,000 S$2,000 S$5 S$30 S$30

Min. average daily balance Fall-below fee Passbook replacement fee Savings Accounts for kids e$aver Kids! Account Min. initial deposit Min. monthly contribution
(GIRO/Standing Instruction)

S$10,0001 S$20 S$30

S$0 S$50

Min. average daily balance S$0 Fall-below fee S$0 Early account closure fee (within first 6 months) S$0 Children Development Account
(For applicants with MCYS Letter of Authorisation only)

Min. initial deposit Min. average daily balance Fall-below fee Early account closure fee (within first 6 months) Junior Savings Account
(For existing accounts only)

S$0 S$0 S$0 S$0

Min. monthly contribution Fall-below fee

S$1001 S$5

Chequing Accounts XtraSaver Min. initial deposit Min. average daily balance Fall-below fee Monthly service charge Unarranged overdraft Early account closure fee (within first 6 months) Membership fee Chequebook S$0 S$3000 S$5* S$0
Prime + 5%, Min. S$5

S$30 S$15 per annum 1st book free. Thereafter, S$15 per book

* With effect from 1 June 2011, fall below fee will be charged from second month after account opening, if minimum average daily balance is not met

SuperSalary Min. initial deposit Min. average daily balance Fall-below fee Monthly service charge Non inward credit fee Unarranged overdraft Early account closure fee (within first 6 months) Chequebook

S$0 S$0 S$0 S$0 S$5^

Prime + 5%, Min. S$5

S$30 Free

^ With effect from 1 June 2011, non inward credit fee will be charged from fourth month after account opening, if there is zero or less than $1500 credit received into the account.

Cheque & Save Account Min. initial deposit

Account opened BEFORE 1 Feb 2007 Account opened AFTER 1 Feb 2007

S$5,000

(Personal and Corporate)

Fall-below fee Monthly service charge Unarranged overdraft Prime + 5%, Min. S$5 Early account closure fee (within first 6 months) S$30 (Personal) S$50 (Corporate) Chequebook Free OneAccount
(For existing accounts only)

S$3,000 S$5,000 S$7.50 S$2 per month

Min. average daily balance Fall-below fee Monthly service charge Unarranged overdraft Chequebook

S$8,000 S$7.50 S$3 per month

Prime + 5%, Min. S$5

Free

Waived for recipients of the MCYS Public Assistance Scheme/Special Grant Scheme.

Note If the account has a balance of $0 and is inactive for six consecutive months, it will be closed automatically. The charges are applicable for Personal & SME accounts only.
3

Foreign Currency (FCY) Savings and Chequing Accounts

Savings Account FCY$aver Account Min. initial deposit Min. Average daily balance AUD CAD CHF EUR GBP HKD JPY NZD USD A$2,000 C$2,000 2,000 francs 1,000 1,000 HK$15,000 200,000 NZ$2,000 US$2,000 USD$2,000 equivalent Fall-below fee A$5 C$5 5 francs 3 2 HK$30 500 NZ$5 US$5

Early account closure fee (within first 6 months) US$20 Chequing Accounts USD High Account Min. initial deposit Min. average daily balance Fall-below fee Monthly service charge Unarranged overdraft Early account closure fee (within first 6 months) US$1 US$0 US$0 US$0
Prime + 5%, Min. S$5

US$20

Current Account Min. initial deposit

US$1,000 equivalent (Personal) US$5,000 equivalent (Corporate) Fall-below fee2 A$30 30 francs 20 15 HK$200 NZ$30 US$30 US$0 Prime + 5%, Min. US$5 US$20 (Personal) US$30 (Corporate) Free

Min. Average daily balance AUD CHF EUR GBP HKD NZD USD A$5,000 5,000 francs 3,000 2,000 HK$30,000 NZ$5,000 US$5,000

Monthly service charge Unarranged overdraft Early account closure fee

(within first 6 months)

Chequebook

Cheque and Save Account Min. initial deposit US$1,000 equivalent

(Personal & Corporate)

Min. average daily balance

Fall-below fee

Monthly service charge

AUD CHF EUR GBP HKD JPY NZD USD

A$5,000 5,000 francs 3,000 2,000 HK$30,000 500,000 NZ$5,000 US$5,000

A$10 10 francs 5 5 HK$75 1000 NZ$10 US$10

A$2 2 francs 1 1 HK$15 200 NZ$2 US$2

Unarranged overdraft Early account closure fee

(within first 6 months)

Chequebook

Prime + 5%, Min. US$5 US$20 (Personal) US$30 (Corporate) Free

Charges will be imposed once every 6 months.

Note If the account has a balance of $0 and is inactive for six consecutive months, it will be closed automatically. The charges are applicable for Personal & SME accounts only. Charges will be imposed once every 6 months.
5

Time Deposit Accounts

Singapore Dollar Time Deposit Min. initial deposit: Tenor of 7 days (1 week) Tenor of 1 month to 60 months Foreign Currency Time Deposit Min. initial deposit (according to the currency of the deposit): USD GBP AUD EUR NZD CAD CHF HKD JPY Min. tenor Premature Uplift Handling charge US$5,000 5,000 A$5,000 5,000 NZ$5,000 C$25,000 25,000 francs HK$25,000 3,000,000 1 week US$25 S$500,000 S$5,000

Note A premature termination of a Time Deposit is subject to our terms and conditions. You may earn less or no interest if you withdraw your Time Deposit before it matures. A penalty may also be imposed. In addition, the penalty imposed on the early withdrawal of the Foreign Currency Time Deposit before maturity may result in you getting lesser than the original amount deposit with us.
6

Remittances
Inward Telegraphic Transfers (ITT) Credit SGD account: in SGD in FCY

S$10 Free

Credit FCY account: in SGD Free in FCY to same currency account S$10 equivalent in FCY to different currency account Free via MEPS: Free

Outward Telegraphic Transfers (OTT)* Debit SGD account Handling commission 1/8% comm. Min. S$30, Max. S$100

Debit FCY account (incl. Time Deposits) Handling commission 1/8% comm. Min. US$20, Max. US$70 Commission in lieu via MEPS Reimbursement cover: SGD OTT FCY OTT
plus: 1/8% in lieu of exchange;

Min. US$10, Max. US$700

S$20

S$20 US$15

For World Partner customers: Outward Telegraphic Transfer commission is waived. Reimbursement cover is applicable regardless of destination. Fees imposed by other banks are also applicable and will be borne by the remitter.

Note 1. Cover charge is applicable if paid in third country currency. 2. Additional S$5 is applicable for AUD transfers. * Special pricing for Priority Banking and Preferred Banking customers. Refer to page 14 and 15 for more details.
7

Remittances
Inward Drafts/Cheques
Correspondent bank drafts drawn on Standard Chartered Bank Credit to account Free SGD bank drafts drawn by overseas Standard Chartered Bank on Standard Chartered Bank Singapore Credit SGD account Free FCY drafts/cheques drawn on banks in Singapore Credit SGD/FCY account: USD Free Other currencies S$10 FCY drafts/cheques drawn on overseas banks Credit SGD account 1/8% comm. Min. S$25, Max. S$200
(incl. of postage)

Credit FCY account

1/8% comm. Min. US$15, Max. US$120

(incl. of postage)

Outward Drafts/Cheques Issuance

Debit SGD account 1/8% comm. Min. S$30, Max. S$100

Debit FCY account (incl. Time Deposits) 1/8% comm. Min. US$20, Max. US$70

plus:
1/8% in lieu of exchange, Min. US$10, Max. US$700 Cable cost/tracers for draft investigations: SGD draft S$20 per draft FCY draft US$15 per draft

Amend/Replace draft
SGD draft S$30

plus:
cable cost (if applicable) FCY draft US$20

plus:
cable cost (if applicable)

Cancel/Refund draft
(based on prevailing buying rate):

Credit SGD account

S$20

plus:
cable cost (if applicable) Credit FCY account US$15

plus:
cable cost (if applicable)
Note For FCY drafts/cheques drawn on overseas banks and banks not participating in the Cheque Truncating System, the following charges are applicable, if any: 10 days overdraft interest Drawee bank charges Collection bank charges Additional S$5 is applicable for AUD drafts/cheques.
8

Cheque Charges Stop payment: SGD FCY Return cheque: SGD FCY Cheque image retrieval: Clearing date within 1 year Between 1 to 3 years More than 3 years Direct marking of cheques S$40 per cheque US$30 per cheque S$50 per cheque US$30 per cheque S$20 S$30 S$50 S$100

Immediate clearing of in-house cheques over-the-counter: SGD cheques S$30 per cheque FCY cheques US$20 per cheque

Note Cover charge is applicable if paid in 3rd country currency. For encashment of Travellers Cheques issued by other banks, the following charges are applicable, if any: 10 days overdraft interest Drawee bank charges Collection bank charges
9

Remittances
Cashiers Orders (CO)
(only available in SGD)

Issuance Debit from SGD account: to own name to third party name(s) Replacement/Amendment Debit from FCY account: to own name

First CO, free. Thereafter, S$5 per CO.

(per transaction)

S$5 S$10 First CO, free. Thereafter, US$3 per CO.

(per transaction)

to third party name(s) Replacement/Amendment Cancel/Refund CO Credit SGD account Credit FCY account GIRO GIRO arrangement GIRO return
(including due to insufficient funds)

US$3 equivalent US$10 S$5 US$3

Free S$10 per return S$10 per amendment

Amendment Standing Instruction (SI) Automated Manual monitoring Amendment SI return due to insufficient funds

S$10 per set up S$50 per payment S$10 per amendment S$50

10

Safe Deposit Box

Service Charges Key Deposit Fee (refundable): Singaporeans and PR Foreigners Addition/Change/ Revocation of Nomination Change of safe deposit box Break box charges due to lost key
(Key Deposit Fee is non-refundable)

S$150 S$200 S$10 each S$20 S$210 S$30

Inventory for estate duty/ deceased customers Battery Road Branch

To check on availability, call 6530 3145

Box size in inches 4.75 x 3.5 x 20.0 7.5 x 3.5 x 20.0 8.0 x 4.0 x 24.0 10.0 x 5.0 x 24 .0 7.5 x 7.5 x 18.75 16.0 x 8.0 x 24.0 15.0 x 7.5 x 18.75 20.0 x 10.0 x 24.0

Annual rental rate* S$150 S$250 S$300 S$450 S$400 S$700 S$600 S$800

Note Annual rental rate is subject to prevailing Goods and Service Tax. * Special pricing for Priority Banking and Preferred Banking customers. Refer to page 14 and 15 for more details.
11

Other Services
ATM and Debit Card Charges ATM card replacement Debit card replacement: For SGD For USD Debit card overseas transaction fee PIN replacement S$5 S$5 US$5 2.5% of amount
transacted via Mastercard

Free

Purchases at Maestro network outlets Free Transactions at shared Cash withdrawal* Balance enquiry network: Free Free

Transactions at Cirrus ATMs (worldwide)* Cash withdrawal 2% of amount withdrawn Min. S$5, Max. S$60 Balance enquiry Free For World Partner customers: World Partner customers enjoy the first cash withdrawal per month, free of charge at Standard Chartered Bank and Cirrus ATMs worldwide if they use their World Partner Platinum Debit Card. This waiver does not include fees which may be levied by other banks in Singapore or overseas for accessing their ATM networks. Coin and Notes Services**
Coin services are only available on Tuesdays and Thursdays, between: 11am1pm at 7 Day Mall Branches 10am12pm at all other branches

Deposit/withdrawal of coins Between S$20 and S$100 For every S$100 or part thereof Changing of notes to coins Per S$50 or part thereof Notes deposit First 300 pieces For every 100 pieces or part thereof
(in all denominations)

S$5 S$10 S$5 Free S$2

Note * Special pricing for Priority Banking customers. Refer to page 14 for more details. ** Charges are on a per account per day basis. Charges are waived for Child Development Account and e$aver Kids! Account transactions.
12

Guarantees Bankers guarantee Loan limit Tenor Amendment Cancellation Salary Crediting
(for companies)

1% p.a. or Min. S$100,

(whichever is higher)

Min. US$20,000 (Equivalent) Max. 1 year

(including claim period)

S$25 per amendment S$100 per guarantee

via Payplus via Manual Crediting

S$0.50 per item, Min. S$30 S$2 per payee, Min. S$30

Miscellaneous Deposits (in cash): in SGD to any account in FCY to same currency account Withdrawals (in cash): in SGD from any account in FCY from same currency account Request for copies of: Past statements Deposits Withdrawal confirmation/instruction Statement of interest earned Hold mail (PB/PIB customers only) Certificate of balance Audit confirmation: In SGD In USD Letter of reference

Free 1.5% repatriation fee, Min. US$15 equivalent

Free 1.5% commission, Min. US$5 equivalent Current to 12 months S$10 each Beyond 12 months S$50 each Annual FeeS$360 S$20 per request

S$52 per request US$30 per request S$20 per request

Internet Banking token replacement fee S$20

13

Priority Banking
Eligibility Criteria To enjoy the exclusive Priority Banking membership and all the benefits and privileges that come with it, you need to: 1. maintain a minimum of S$200,000 in deposits and/or investments; or 2. take up S$1,000,000 in housing loans with us; or 3. earn a minimum annual income of S$192,000, AND take up the Priority Banking Visa Infinite Card*. Fees and Charges Segment Maintenance Fee* Monthly Fee

S$50 (Free for first year)

Priority Banking Visa Infinite Card Annual Fees Principal Card S$300
(Free for first year)

Supplementary Card Safe Deposit Box Service Charges

(Free for first year; up to 5 cards)

S$150 per card

50% fee waiver on annual rental rate (Refer to page 11 for more details)

Transactions at Cirrus ATMs (worldwide) Cash withdrawal Free Balance enquiry Hold Mail Services** Annual Fee Free

(with your Standard Chartered Bank ATM, Debit, Credit card)

S$360

Outward Telegraphic Transfers (OTT)

Fund Transfers between Standard Chartered (SCB) accounts***

Fees waived include: handling commission commission in lieu reimbursement cover Overseas bank charges are applicable (if any)
Fund Transfer to a non-SCB account

50% discount on handling commission Commission in lieu, reimbursement cover and overseas bank charges are applicable (if any)
Refer to Remittances on page 7 for more details.

Note * From the second year onwards, the monthly segment maintenance fee will be waived as long as eligibility criteria 1 or 2 is met. ** Hold Mail Service is applicable only to Private Banking customers and Priority Banking customers with overseas addresses. ***Priority Banking customers will receive a fee rebate within approximately 7 working days from the date of the transaction. Handling commission and reimbursement cover are waived for fund transfers between Standard Chartered Bank accounts only. Fee imposed by other banks will apply. Charges may apply for transactions of more than US$100,000.
14

Preferred Banking
Eligibility Criteria To enjoy the exclusive Preferred Banking membership and all the benefits and privileges that come with it, you need to: 1. maintain a minimum of S$50,000 in deposits and/or investments; or 2. take up S$600,000 in housing loans with us; or 3. earn a minimum annual income of S$72,000, PLUS take up a Preferred World MasterCard Credit Card and open Preferred Current Account with us. Fees and Charges Segment Maintenance Fee* Monthly Fee Preferred Current Account Min. initial deposit Min. average daily balance Calendar quarter fall-below fee Monthly service charge Unarranged overdraft Early account closure fee S$30 (Free for first year) S$0 S$6,000 S$10 S$0 Prime + 5%, Min. S$5 S$30 Free

(within first 6 months)

Chequebook

Preferred World MasterCard Credit Card Annual Fees Principal Card S$200
(Free for first 2 years)

Supplementary Card Preferred Overdraft Annual Fee Safe Deposit Box Service Charges

(up to 5 cards)

Free for life

Free

50% fee waiver on annual rental rate (Refer to

page 11 for more details)

Transactions at Cirrus ATMs (worldwide) Cash withdrawal 2% of amount withdrawn

(Min. S$5, Max. S$60)

Balance enquiry

Free

Outward Telegraphic Transfer (OTT) 50% discount on handling commission Commission in lieu, reimbursement cover and overseas bank charges are applicable (if any)
Refer to Remittances on page 7 for more details.

Note * From the second year onwards, the monthly fee will be waived as long as eligibility criteria 1 or 2 is met.
15

Summary of Charges
Credit Cards Lost/stolen card liability If you lose your card, please notify us immediately by calling our hotline 1800-788 3133. Please keep this number handy. Your liability may be limited to S$100 if you comply with clause 7.2 of our Credit Card Terms. Finance charges for purchases Effective Interest Rate: 24.45% per annum (minimum) If payment is not made in full by the due date, finance charges will be calculated on a daily basis of 0.067% on the outstanding balance from the statement date. Interest calculation Interest is calculated from the date of the transaction to the date of payment. Cash advance charges Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of S$15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment. Minimum monthly repayment Standard Chartered Credit Card with no automatic flexible payments: S$50 or 3% of the new balance, whichever is greater, plus any overdue amounts. Accounts that are over limit: 3% of the new balance plus the excess over the credit limit, plus any overdue amounts. Interest free credit period Free grace days (interest free credit period) are applicable to customers who choose to make full payment and are not applicable for partial payment of the minimum amount due. Late payment charges Tiered late charges if minimum payment is not received by the due date. New Balance Amount Up to S$3,000 S$3,000.01 and above Late Payment Charge S$50 S$60

The Effective Interest Rate applicable on your credit card and funds transfer account(s) will be adjusted to 28% p.a. if the minimum payment is not received in full by the next Statement Date on any of your credit card and fund transfer account(s). If you have only missed one payment, it will be reinstated to the prevailing Effective Interest Rate once minimum payment is made in full. If however your account has been twice or more past due* on a consecutive basis, the Effective Interest Rate will revert to 24.455% once minimum payment iis made in full.
Note * An account is considered past due if the minimum payment due is not received in full before the next Statement Date.

The adjustment / reinstatement of interest rate will be effective on the first working day after your next Statement Date once minimum payment is made in full. Overseas transactions All transactions effected in a currency other than Singapore Dollars will be converted from the transacted currency into Singapore Dollars at a rate selected by VISA/MasterCard International. All such overseas transactions will also be subject to a Bank charge of 2.5% as the Bank may determine in its sole and absolute discretion from time to time. The exchange rate for such overseas transactions may differ from the rate on the transaction date due to market fluctuation.
16

Returned cheque/rejected GIRO (insufficient funds) Sales draft retrieval - current to 2 months old - 3 months to under 1 year old - 1 year old to 5 years old - Beyond 5 years old Replacement card Credit Refund via Cashiers Order Overlimit Handling Fee Type of Card Visa Infinite (Principal) Visa Infinite (Supp) MasterCard World (Principal) Visa Signature Platinum (Principal) Platinum (Supp) Prudential Platinum Gold (Principal) Gold (Supp) Classic (Principal) Classic (Supp) Salary Advance Annual fee Maximum Credit Limit

S$50 Free S$10 per copy S$20 per copy S$50 per copy S$20 per card S$10 S$30

Annual Fee S$300 S$150 S$200 S$180 S$480 S$280 S$180 S$150 S$88 S$60 S$30

First three years FREE! $80 (not inclusive of GST) Two times monthly salary, up to $100,000*

Minimum monthly 3% cutstanding balance or a minimum $50 repayment Over limit charges 5% p.a. in addition to the prevailing interest rate on the over limit balances - Returned cheque fee $50 per cheque - Stop cheque fee: $40 per cheque - GIRO returned fee: $10 per transaction - Payment processing fee: $5 per card - Lost card replacement fee: $5 per card - Chequebook: free Free at Standard Chatered Bank ATMs and atm5 network 2% of amount withdrawn, subject to a minimum of $5 and maximum of $80 0% for the first $3,000, 17.9% p.a. for $3,000.01 and above
(minimum monthly interest payable is $5)

Fees

ATM cash withdrawal fee Overseas cash withdrawal fee Prevailing Interest Rate Interest rate on credit balances:

0.15% p.a. **

Important Notes 1. Information is valid as of 27 May 2011. 2. All the information is subject to our banking agreement and may be varied at any time without notice at the sole discretion of the bank. 3. Singapore Dollar deposit accounts are eligible for deposit insurance coverage under the Deposit Insurance Act. Singapore Dollar deposit accounts held by or for an individual or a charity, will be insured up to the limits specified in the Deposit Insurance Act. 4. Eligibility criteria for World Partner: deposit a minimum of S$50,000 or its equivalent; be at least 21 years of age; and a Permanent Resident or Expatriate.
17

12083-120112