bsc banking service magazine.pdf

8/14/2019 BSC Banking Service Magazine.pdf

1/33

PPL489-R22

(10/2010)(LT)v.2

Banking Services

Fees and Charges

A. Deposit Services

B. Remittances and Foreign Exchange Services

C. Securities and Investment Funds Services

D. Credit Card Services (including Spending

Card)

E. Lending Services

F. Integrated Account Services and Privileges

(Effective 1 October 2010)

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 Bankreserves the right to revise any fees, charges, special offers and other services from time to time. The Bank reserves the right to levy a charge on transactions conducted.For charges not listed in this guide, please contact our branches for details.

PPL489-R22

(10/2010)(LT)v.2


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PPL489-R22

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A. Deposit Services

- 1 -

Low Balance Inactive Hong Kong Dollar Savings/Current

Account

- inactive for two years and balance below

HK$2,000

Inactive Account Service Charges (2 )

Service ChargeFor over 2 years

HK$100 semi-annually

Low Balance Foreign Currency Savings and ForeignCurrency Deposit/Current Account

- inactive for two years and balance below

For over 2 years(3)

Payable semi-annually

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

USD 12GBP 20EUR 20CAD 15CHF 15AUD 15NZD 20ZAR 60THB 1,000JPY 2,000

Service charges shall not be applicable if deposit in anyone of these currencies is above the stipulated depositlevel of the respective currency under the Multi-foreign

Currency Passbook Savings Account.

Low Balance Inactive RMB Savings/Current Account

- inactive for two years and balance below RMB 2,000 RMB 50 semi-annually

For over 2 years

Service

Cheque Book(s)

delivery by Courier Service(1)

Cheque Mark Good

- sent by customer

- sent by Bank

Unauthorised Overdraft

Cheque Returned

- due to insufficient funds

- due to other reasons

- due to cheque amount exceeding RMB80,000**

Current Accounts

Charge

HK$150 per cheque (RMB 200**)

HK$50 per cheque (RMB 50**)

RMB 200 per cheque**HK$120 per item plus interest* on overdrawn balance

Stop Cheque Payment Instruction HK$100 per cheque

HK$60 per cheque

HK$200 per cheque

* Interest is calculated daily and charged monthly at the Banks prevailing interest rate.**Only applicable to RMB Current Account

RMB Cheque Handling Fee

- autosweeping to cover insufficient funds

- switching of deposit by customer to cover insufficient

funds

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$25 per item

(1) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(2) Excludes Integrated Account and FlexiForex/ProForex Trading Account.(3) Applicable to all Foreign Currency Account.

Improperly conducted account closed by the Bank

Account Closure

HK$150 annually

Within three months of the date of its opening Savings Account HK$50 per account

Current/Integrated Account HK$200 per account

This page has been revised since 2 January 2010


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A. Deposit Services (contd)

- 2 -

Below HK$1,000

This page has been revised since 2 October 2009

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

HK Dollar Savings Deposit Rates

Deposit Rate

0.01%

HK$10,000 to HK$149,999

HK$5,000 to HK$9,999

0.01%

0.01%

0%

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

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

US Dollar Savings Deposit Rates

Deposit Rate

0.001%

Below US$1,000 0%

GBP

CAD

AUD

ZAR

JPY

Foreign Currency Savings Account with balance below

USD

EUR

CHF

NZD

THB

1,000

200

500

500

10,000

200

500

500

2,000

30,000

Account BalanceLow Balance Foreign Currency Savings Deposit Rates

Deposit Rate

0%

Account Balance (RMB)RMB 5,000 and above

RMB Dollar Savings Deposit Rates

Deposit Rate

0.45%

Below RMB 5,000 0%


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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:

- inward(6)

#Channels subscribed by customers


- 3 -

Service

Others

ChargeReplacement 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

HK$50 per card

M.I. Kid Medical Card

- replacement

- not returning card upon account closureHK$50 per card

HK$100 per card

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

Gift Cheque(2)(3) HK$15 per cheque

Cashiers Order

- issuance(4)

- report loss

- re-purchased

Account Holder HK$60 per cheque

Non-Account Holder HK$100 per cheque

HK$60 per cheque

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

HK$30 per item

HK$50 per item

HK$170 per item(5)

HK$15 per item(5)


(1)Fee waiver is for customers with Senior Citizen Cards.(2)Fee waiver is for the Prestige Banking Customers and customers with Senior Citizen Cards.(3)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.

Company Search Fee

- local company

- overseas company

Reference Letter HK$300 per letter

(HK$20 for each additional letter if several lettersare issued at one time)

Certificate of Account Balance HK$100 per certificate

(HK$100 for each additional account)

Bankers Endorsement on Customers Signature

Cheque send to Guangdong and / or Shenzhen for

cheque clearing

Currency of Cheque

HK$

US$

GD SZ

HK$50 HK$50

N.A. HK$100

HK$100 per account

Min.: HK$2,000 per account

(According to the Banks actual expenses)

HK$150 per item


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- 4 -This page has been revised since 2 January 2010

(1) Prestige Banking Customers can enjoy a privileged service charge of HK$1 per sachet.

(2) 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 underthis direct debit authorisation for more than two years, the Bank may cancel this direct debit authorisation without giving any notice.

(3) 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.(4) Fee waiver is for customers with Senior Citizen Cards.(5) Waived if all cheques are deposited into the same account as one single transaction.(6) 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 followingmonth.

(7) 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.

(8) 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 incurredwithout 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 receivingthe requestors acceptance.

(9) 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 conductingcertain 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 Bankreserves the right to change the maximum monthly counter transaction limit for individual customers. Commercial customers will be notified individually of their monthly quota of freecounter transactions by mail.

Service

Others

Account History Record of Savings or Time

Deposit Accounts

- for 1/2/3 year(s)

- for more than 3 years

HK$250/HK$750/HK$1,000 per account

HK$1,000 per year thereafter

Photocopying of:- statement (per cycle)

- cheque/voucher/transaction adv (per copy)

HK$50 per cycle or per copy

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

Coin Changing Charges(1) HK$2 per sachet

Night Safe HK$700 per year

Standing Instruction:

- set up(2)(3)(4)/ amendment(2)(4)

- returned due to insufficient funds

HK$70 per item - transfer to Hang Seng Bank

HK$100 per item - transfer to other banks

HK$150 per item

Set Up Direct Debit Authorisation (excluding Credit Card

Accounts)(2)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)

Auto Pay Returned Due to Insufficient Funds HK$150 per item

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

Bulk Cheque Deposit per customer per day

- Up to 30 pieces

- Over 30 pieces

Free

HK$1 per additional cheque(5)

Bulk Cash Deposit per customer per day (Applicable to all

currencies)

- Up to 500 pieces of notes

- Over 500 pieces of notes

Free

0.25% on deposit amount (min. HK$50)

Charge

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

ATM Savings Account Counter Service Fee

- transfer / cash withdrawal(6)

Bulk Coins Deposit per customer per day

- Below 500 coins

- 500 coins or above

Free

2% on deposit amount (min. HK$50)Transaction Charges

HKD Passbook/ Statement Savings Account below balance

service fee(7)

- average daily balance below HK$5,000

Personal data access request Circumstantial

( maximum HK$500 per request)(8)

HK$20 per transaction

The Bank reserves the right to levy a charge on

transactions conducted

HK$50 per month

HKD account transactions conducted through branches per

customer per calendar month(9)50 transactions or below Free

Above 50 transactions HK$30 per transaction


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

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

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

- 5 -

Others

HSBC ATM Network

International ATM

Signages

Location Handling

Fee for

Each Cash

Withdrawal

Banking Services

- 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.)

HK$20 Cash withdrawal,

balance enquiry,

funds transfer(1)and

statement / cheque

book request

Cash withdrawal

Cash withdrawal and

balance enquiry

Cash withdrawal and

balance enquiry

- Worldwide

(Australia, Canada, China [including

Hong Kong and the Mainland

China], Japan, Mexico, Singapore,

Taiwan, UK, US, etc.)

HK$30 Cash withdrawal and

balance enquiry

CUP 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.

- Mexico, Argentina, Brazil, Panama,

France, Malta, Greece, Turkey


balance enquiry in

most countries /

regions


balance enquiry

Plus System

ATM Network


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Handling charge HK$100Handling charge HK$300Plus:Postage or cable chargeHandling charge HK$100Handling charge HK$100

An additionalcommission of 0.25%on HKD demand draftissuance (maximum:HK$1,000;minimum: HK$120)

B. Remittances and Foreign Exchange Services

(1) Fee waiver is for the Integrated Account of Prestige Banking and is not applicable to other account(s) under the name of the same customer.(2) 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.(3) Prestige Banking Customers can enjoy a privileged service charge of HK$50.

Outward Remittances

Service Charge Remarks

An additional HK$100shall be charged ifpayment details are inChinese(Exempted for HKDremittance to Macau)

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 anotherbank in Hong Kong / Mainland China / Taiwan /Macau HK$100

- Remit to a beneficiary account in othercountries HK$100

(any currency)

Via other channels:

- Remit to a beneficiary account with Hang

Seng in Mainland China / Macau(any currency) HK$170

- Remit to a beneficiary account with anotherbank in Hong Kong / Mainland China /Taiwan / Macau (any currency) HK$200

- Remit to a beneficiary account in othercountriesHKD and domicile currency HK$200

Non-Domicile currency(2) HK$260

Plus:Foreign bank charges

Handling charge HK$200Plus: (if any)Cable charge HK$100Foreign bank charges

Cable charge HK$100Plus: Foreign bank charges(Min: HK$200 per transaction)

#Channels subscribed by customers

Telegraphic Transfer

- issuance

Demand Draft- issuance (3)

- stop-payment

- re-purchased- amendment

- 1 -

- amendment / cancellation

- cable enquiry

Inward RemittancesService Charge

Credit to account with Hang Seng Bank (1) Handling charge HK$60

Onward transfer to other local banks Handling charge HK$200



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PPL489-R22

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B. Remittances and Foreign Exchange Services (contd)

- 2 -

Travellers Cheques

Charge

Commission 1%

USD 0.25%

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

Remarks

Min.: HK$100

With Exemption on

HSBC Group MemberTravellers Cheques

Foreign Currency Notes/Cheques Exchange

Service Charge Remarks

Account Holder

RMB Free

Other Currencies

>HK$3,000 equivalent Free

HK$3,000 equivalent HK$50 Per Transaction

Non-Account HolderAll currencies at any amount HK$50 Per Transaction

USD 0.25%

Other currencies 0.375%

(Min.: HK$60 per transaction)

Waived

0.25% of deposit amount

(Min.: HK$60 per transaction)

Handling charge

per cheque HK$150

Plus:

Foreign bank charges and Interest

Handling charge

per cheque HK$200

Plus:

Postage for registered airmail

Foreign bank charges

USD $50/$100 Notes 0.25% of deposit amount

USD $10/$20 Notes 0.375% of deposit amount

Other currencies 0.375% of deposit amount

Other currencies 0.25% of withdrawal amount

Handling fee waived for RMB notes deposit / withdrawal

Service

Sales (1)

- Encashment

- Deposit into HKD/FCY T/T/USD notes account

Foreign Currency Notes

Purchase/Sale

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

Foreign Cheques

- collection

Foreign Currency Notes

- deposit into T/T account (3)

- withdraw from T/T

account (3)

Waived for Prestige(1)/

Preferred(2)/ Green(2)

Banking Customers

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


(1) Fee waiver is for the Prestige Banking Customers.(2) Fee waiver is for the Preferred Banking and Green Banking Customers.(3) 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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Local Securities (1)

C. Securities and Investment FundsServices

---

N.A. N.A.

0.2% of transaction amount HK$100 ---

0.003% of transaction amount --- ---

0.005% of transaction amount --- ---

HK$1 for every HK$1,000 of transaction

amount or part thereof

--- ---

HK$5/lot

Prestige Banking: HK$2.5/lot

waived if securities are sold before

settlement

HK$30 HK$188

Application of Newly-listed Securities/NotesHK$100 per application --- ---

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

(1) Not applicable to locally listed overseas securities. All charges are calculated on each securities each transaction basis, except for those items with other charge basisspecified.

(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/ornominee 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 BankLimited reserves the right to revise any charges, special offers and other services from time to time.

Exchange Listed

Notes and Bonds

Transaction Levy(collected by SFC)

Trading Fee

(collected by HKEx)

Stamp Duty

(collected by

HKSAR

Government)

Deposit Charge for

Purchase Orders (3)

Subscribe under

Hang Seng

Nominee

Subscribe in

client's own name

with endorsement

of the Bank

Securities Listed on HKEx

- 1 -

Bond

Trade - Related Services

0.25% of transaction amount HK$100Brokerage Fee

(Applicable to all

Securities trading

channels)

CD/Other

Structured

Product (2)Service Handling Charge Min Max

RMB

Bond Others



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PPL489-R22

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

a) 0.125% of transfer value (both parties

are required to pay)

b) Stamp Duty (collected by HKSAR

Government): HK$1 for every HK$1,000

of transaction amount or part thereof

(both parties are required to pay)

c) Withdrawal Fee: HK$3.5/lot

d) Transfer deed stamp duty

(collected by HKSAR Government):

HK$5 for each transfer deed

e) Physical Scrip Deposit Fee:

HK$30/securities/ transaction

C. Securities and Investment FundsServices (contd)

Scrip Handling & Settlement-Related Services

Physical scrip deposit

N.A.

- Deposit Fee HK$30/securities/ transaction --- ---

- Transfer deed

stamp duty

(collected by

HKSAR

Government)

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

- Withdrawal Fee HK$30 ---

- Withdrawal Fee HK$3.5/lot HK$30 ---

Transfer of

Entitlement

(from one

customer to

another)

HK$100

---

HK$30

---

---

---

---

---

---

---

N.A.

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)

HK$20/month

Prestige Banking:

HK$15/month

no custody fee will be applied to account

with no holdings and transactions during

that month

--- --- HK$20/month

Prestige Banking:

HK$15/month

Free


CD/Other

Structured

Product(2)Service Handling Charge Min Max

BondSecurities Listed on HKEx

- 2 -

Physical scrip withdrawal

HK$3.5/lot

Through Central Clearing and Settlement System (CCASS)

- Deposit Fee Free --- ---

Free

RMB

Bond Others

Transfer in / out Fee

with other custodian

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



(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/ornominee 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 BankLimited reserves the right to revise any charges, special offers and other services from time to time.


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Nominee Services and Corporate Actions

0.5% on amount collected HK$30 HK$2,000 Free

HK$30/transaction --- --- N.A. N.A.

0.2% of redemption amount --- HK$300

Other Services

HK$150/transaction plus relevantCCASS charges plus

0.5% on amount collected

HK$30 per distribution

---

HK$30

---

---

HK$2,000

---

N.A. N.A.


- Collection ofDividends/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)

Maturity Redemptionof Exchange ListedNotes and Bonds

Unclaimed BenefitEntitlement

- Dividend

- Bonus Issue

CD/Other

Structured

Product (2)Service Handling Charge Min Max

RMB

Bond Others


- 3 -

Certificate ofAccount Balance

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

Re-issuance ofTransaction Advice

HK$100 per copy

Photocopying of:- Statement

(per cycle)

HK$50 per cycle

Bond

Free

Free



(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/ornominee 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 BankLimited reserves the right to revise any charges, special offers and other services from time to time.


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Service Handling Charge Min Max

- 4 -

RMB

Bond

CD / Other

Structured

Product (2)Others


(2) Other structured products include equity-linked investment, equity-linked notes and equity-linked deposits, etc.

Market Information Services (including the US Securities Listed in Hong Kong and Exchange Traded Funds)

HK$10 --- N.A. N.A.FREE Real-time Quote: 500 quotes per month for Preferred

Banking / General Customers. 1,000 quotes per month for Prestige

Banking Customers.Additional FREE Real-time Quote: Preferred Banking Customers who

have holdings in their securitiesaccount can enjoy additional 250quotes in that month.

Prestige Banking / Preferred Banking /General Customers:Additional 200 quotes for therespective month for every successfulbuy / sell transaction or everyHK$50,000 of accumulated turnover(whichever number of free real-timequotes enjoyed is higher).

Additional free real-time quoteearned from successful transactionsmay be carried forward to the nextmonth and is determined inaccordance with the following:(A):The balance of total additional

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

(B): The number of unused free real-time quotes of the month.

Compare (A) with (B), the lower ofthe two can be carried forward to thenext month; the additional free real-time quotes that are carried forwardcan only be used in the immediatelyfollowing month and will be cancelledautomatically if such free real-time

quotes are not used in that month.(Calculation on the No. of free real-time quotes that can be carriedforward to the next month, pleaserefer to case 3 & 4)

HK$0.05 per quote per month for usage ontop of the total free quotes offered above.

Real-time QuoteService Plan(via Hang SengPersonale-BankingServices)

Bond


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- 5 -

RMB

Bond

CD / Other

Structured

Product (2)Others




--- --- N.A. N.A.HK$200 / month

This service plan is suitable for high

usage investors.

Full fee will be collected from the

settlement account of the designated

securities account even if no real-time

quotes are used in the month.

The subscription/cancellationinstruction will be effective in the next

calendar month after the application.

Real-time Snapshot

Service Plan

(via Hang Seng

Personal

e-Banking Services)

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

Case 1:

In April, your real-time quote usage is 500. You have traded 2 times and your total turnover is HKD180,000.

Based on turnover, 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: 500

Total Free Real-time Quotes of the Month: 500 + 800 = 1,300

Real-time Quotes Used of the Month: 1,000

No. of Unused Free Real-time Quotes of the Month: 300 (B)

The No. of Free Real-time Quotes that can be Carried Forward to the Next Month (the lower of A and B): 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):

(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

Bond


14/33

PPL489-R22

(10/2010)(LT)v.2




- 6 -


Service Handling Charge

(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: HKD200,000 HKD201,000

Total No. of Transactions: 4 5

Additional Free Real-time Quotes earned from 800 1,000

successful transactions during the period:

No. of Free Real-time Quotes that can be Accumulated [d] [c]: 200 (A)

(2) Basic Free Real-time Quotes: 500

Total Free Real-time Quotes of the Month: 500 +1,000 = 1,500

Real-time Quotes Used of the Month: 1,400

No. of Unused Free Real-time Quotes of the Month: 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 thetotal 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.




15/33

PPL489-R22

(10/2010)(LT)v.2




- 7 -


Service Handling Charge

Terms & Conditions:

1. Real-time Quote Service Plan is for Securities Account holders only. Customers who do not have any Securities Account with theBank 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 minutesafter market close of each trading session, will be counted into real-time quotes usage. Real-time quote usage includes stockquote enquiries via (i) Simple Quotes, Detailed Quotes, Watch List and the 1st entry page for securities order placement; (ii) thestock 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 othersproducts 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 BankingIntegrated Account; Settlement Account of Preferred Banking Integrated Account prevails Settlement Account ofIntegrated Account; Settlement Account of Integrated Account prevails HKD Current Settlement Account; HKDCurrent 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 anyof your Hong Kong Dollar Accounts with the Bank




16/33

PPL489-R22

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Brokerage Fee 0.5% of transaction amount HK$100 ---

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

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

Clearing Fee 0.04% of transaction amount --- US$393

Deposit Charge for Purchase Orders HK$10/lot for the first 100 lots HK$30 HK$2,000

HK$3.5/lot from 101st lot onwards

Shenzhen and Shanghai B Shares (1)

Singapore Securities - Jardine Group Stocks only (1)

(1) Except listed charges, all other charges are the same as those for local securities.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges 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 BankLimited reserves the right to revise any charges, special offers and other services from time to time.

- 8 -



Shenzhen


Transaction Levy 0.0341% of transaction amount --- ---

Stamp Duty 0.1% of transaction amount --- ---

(For Sale Transactions Only)

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

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

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

Shanghai



Stamp Duty 0.1% of transaction amount --- ---

(For Sale Transactions Only)

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

Administration Fee 0.0045% of transaction amount --- ---

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

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


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PPL489-R22

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Overseas Securities(1)(Applicable to customers whose overseassecurities accounts were opened on or before 31 March 2006)


Cross Border Transfer Fee for Receipt/

Delivery of Foreign Securities

HK$100 handling fee per request plus

HK$200 DTC(2)charges per request

and out-of-pocket expenses

--- ---

Warrant Conversion, Voluntary Take-

over, Tender Offer & Open Offer

HK$100 handling fee per request

plus HK$600 DTC(2)charges per

request and out-of-pocket expenses

--- ---

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

HK$100 handling fee per request plus

HK$600 DTC(2)charges per request

and out-of-pocket expenses

Withdrawal Fee for Physical Scrips --- ---

- 9-


iShares Settled in US Currency Listed in Hong Kong

Brokerage Fee 0.5% of transaction amount US$20 ---


(collected by SFC)


(collected by HKEx)

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

US Securities Listed in Hong Kong



(collected by SFC)


(collected by HKEx)

US/UK/Japan

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


Collection of Dividends/Interest 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

(1) Except listed charges, all other charges are the same as those for local securities.(2) US Depository Trust CompanyCustomers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges 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.


18/33

PPL489-R22

(10/2010)(LT)v.2

- 10 -


(1) The Bank reserves the right to review the fees and charges from time to time and customers can obtain the updated charges information from branch staff.(2) The Account Service Fee/Custody Fee will be charged at every month-end starting from the month following the account opening date.(3) Base on the account balance at each month-end (including all the investment products & cash) and will be charged on monthly basis.Customers may be required to pay the costs, fees and charges incurred or charged by third parties in relation to the provision of securities trading, custodian and/ornominee services by the Bank. Such third party costs, fees and charges may vary and will be determined by the Bank.

Account Fee Charges

Account Service Fee (2)(Monthly) RMB50

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

Company Activities Charges

Cash Dividend/Interest Collection Fee 0.5% on amount collected

(Min. RMB30; Max. RMB2,000)

Collection of Script Bonus RMB30 per time

Services Charges for Hang Seng A Share Investment Services (1)


19/33

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(10/2010)(LT)v.2

This page has been revised since 2 January 2010- 11 -


Investment Funds

Charge Item Charge

Funds under Hang Seng Investment Series

and Hang Seng Islamic Investment Series Other FundsClass A Units Class B Units

Subscription Fee (1) Hang Seng Investment Nil Up to 5.5%

Series: Up to 4%

Hang Seng Islamic

Investment Series: Up to 3%

Switching Handling Fee (2) Via Branch/Phone Banking: Nil Via Branch/Phone Banking:

(applicable to switching 1%; 1%;

within same fund house) Via Hang Seng Personal Via Hang Seng Personal

e-Banking: 0.5% e-Banking: 0.5%

Management Fee (p.a.) Hang Seng Investment

Series: Up to 1.5%

Hang Seng IslamicInvestment Series: Up to 1%

Hang Seng Investment

Series: Up to 1.5%

Hang Seng IslamicInvestment Series: Up to 1%

Up to 2.75%

Administration Fee (p.a.) (3) Nil Up to 1% Depending on individual

fund house

Redemption Fee (4) Nil 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.

Up to 0.5% (applicable to

selected funds only and

reflected in the bid price)

Investment Fund Account

Annual Fee

HK$50 semi-annually

(Waived for Integrated Account holders)

Issue Certificate of

Investment Funds

Account Balance

HK$100 per certificate


(1) Up to 2% subscription fee discount for Prestige Banking customers.(2) 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 currentlywaived 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 switchingof 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 fundmanager 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 SengInvestment 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 theinvestments 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 thefund 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 HangSeng 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 ClassB 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. Pleasecontect the Banks staff for details of the fees before redemption of Class B Units.

Re-print Contract Note /

Confirmation for

transaction(s)

HK$100 per copy

Re-print Investment

Funds Account Monthly

Statement

HK$50 per copy


20/33

PPL489-R22

(10/2010)(LT)v.2

Visa Infinite / World MasterCard

D. Credit Card Services

Annual Fee

Platinum Card

Principal Card - HK$6,000

Supplementary Card - HK$1,000

Principal Card - HK$800

Supplementary Card - HK$400

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

Visa Business Card /

MasterCard Corporate Card

- Gold Card

- Classic Card

HK$540 per Card

HK$240 per Card

Renminbi Credit Card

- Platinum Card

- Gold Card

- Classic Card

Principal Card - CNY800

Supplementary Card - CNY400

Principal Card - CNY540

Supplementary Card - CNY270Principal Card - CNY240

Supplementary Card - CNY120

USD Visa Gold Card Principal Card - US$70

Supplementary Card - US$35

- 1 -

alpha card HK$50 per 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.

Classic Card Principal Card - HK$240

Supplementary Card - HK$120

The fees and charges applicable to CUP Credit Card on this page take effect from 22 June 2010.


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PPL489-R22

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D. Credit Card Services (contd)

Visa Infinite / World MasterCard /

Platinum Card / Gold Card /

Classic Card / Visa Business Card /MasterCard Corporate Card /

Priority Pass Card

Card Replacement Fee

Renminbi Platinum Card / Renminbi

Gold Card / Renminbi Credit Card

HK$100 per card account

CNY100 per card account

The Hong Kong Jockey Club

Membership Card (MasterCard /

Private Label Card)

HK$100 per card account for

lost card replacement

change of photo or signature (subject to the

Clubs approval)

USD Visa Gold Card US$13 per card account

Club Marina Cove Membership

Credit Card / enJoy Private Label Card

HK$20 per card account

e-shopping MasterCard

- 2 -

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

Principal Card - HK$100

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.

World MasterCard / The Hong Kong

Jockey Club Membership Card

(MasterCard / Private Label Card) /

Club Marina Cove Membership

Credit Card / enJoy Private Label Card





date, a late charge of CNY180 will be levied each

time.



date, a late charge of 5% of the minimum payment

amount (minimum HK$30; maximum HK$100) will

be levied each time.


22/33

PPL489-R22

(10/2010)(LT)v.2

Visa Infinite / Platinum Card /

Gold Card / Classic Card /

Visa Business Card /MasterCard Corporate Card /

USD Visa Gold Card /

Private Label Card

Overlimit Fee

An overlimit fee of HK$180/US$23 per month will

be charged if the outstanding balance exceeds

the prescribed credit limit.


- 3 -



An overlimit fee of CNY180 per month will be

charged if the outstanding balance exceeds the

prescribed credit limit.

World MasterCard / The Hong Kong

Jockey Club Membership Card

(MasterCard / Private Label Card) / Club

Marina Cove Membership Credit Card

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.




amount (minimum CNY80) will be charged forevery cash advance transaction.

Cash advance transaction can be made at ATMs

with CUP signage on mainland China.


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.

The Hong Kong Jockey Club

Membership Card (MasterCard)



23/33

PPL489-R22

(10/2010)(LT)v.2

Other Fees

Foreign Currency Transaction

Conversion Fee

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 CardAssociation 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).


SelectImage MasterCard

Administration Fee

- Only applicable to the Customerswho 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

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)

- 4 -

Returned Cheque/Autopay Reject

Handling Fee

HK$100/US$13 per item

Sales Draft Retrieval Fee Original - HK$80/US$12 per copyCopy - HK$30/US$4 per copy

Statement Copy Retrieval Fee Free for statement issued within 3 months

HK$50/US$7 per page for statement issued

beyond 3 months

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


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


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PPL489-R22

(10/2010)(LT)v.2

Other Fees


HK$35 per cashiers order

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 amountor HK$100 (whichever is higher) will be charged.

Credit Balance Refund by Cashiers

Order

- 5-


CNY50 per page for statement issued beyond 3

months

Other Fees of Renminbi Credit Card

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

Credit Balance Refund by Cashiers

Order

CNY35 per cashiers order

Autopay Reject Handling Fee CNY100 per item

Sales Draft Retrieval Fee

Handling Fee for payment Over the

Counter at Branch(2)HK$30 per transaction

Original - CNY80 per copy

Copy - CNY30 per copy

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

copy of the above mentioned Cards will be exempted from this fee.


25/33

PPL489-R22

(10/2010)(LT)v.2


Hang Seng Visa Commercial Card /

Hang Seng MasterCard Commercial Card

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.

Annual Fee HK$240 per Card

Card Replacement Fee HK$100 per card account

Late Charge

Overlimit Fee An overlimit fee of HK$150 per month will be charged

if the outstanding balance exceeds the prescribed

credit limit by more than 5%.

- 6 -

(1) The service is not applicable to Hang Seng enJoy Commercial Card.

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).

Administration Fee for

Printing of Company Logo

on Card Face Service(1)

HK$100 per year

(per each Commercial Card)

Foreign Currency

Transaction Conversion Fee

Cash Advance Handling Fee 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.

Returned Cheque/Autopay

Reject Handling Fee

HK$100 per item

Sales Draft Retrieval Fee Original - HK$80 per copy

Copy - HK$30 per copy


26/33

PPL489-R22

(10/2010)(LT)v.2


Hang Seng Visa Commercial Card /

Hang Seng MasterCard Commercial Card (contd)

HK$200 (local copy) / US$50 (foreign copy)

Statement Copy Retrieval

Fee

Free for statement issued within 3 months

HK$50 per page for statement issued beyond 3

months

Credit Reference Letter Fee(1)

HK$35 per cashiers order

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.

Credit Balance Refund by

Cashiers Order

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

- 7 -


27/33

PPL489-R22

(10/2010)(LT)v.2

E. Lending Services

- 1 -

Property Instalment Loans

Service Charge

Application Fee HK$1,000 - HK$2,000 per application

(payable upon application and not applicable to customers under

special schemes, e.g. Home Ownership Scheme)

Front End Fee

- new purchase of residential mortgage Waived (personal borrower)

0.5% on loan amount (company borrower)

- non-residential mortgage 0.5% on loan amount

- rental property 0.5% on loan amount

- further charge 0.5% on further charge amount

Secured Loans

Secured Overdraft Facility

Item Charge

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

Vehicle Loans

Service Charge

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

Change of Agreement Term

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

Vehicle Replacement HK$500 - HK$600

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


(1) 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.


28/33

PPL489-R22

(10/2010)(LT)v.2

Mortgage Lending Related Services

Service Charge

Photocopying of:

- Letter of Offer HK$100 per copy

- Title Deeds HK$200 per copy of deed

Issuance of Interest Statement HK$100 per account / each financial year

(free for first copy of personal residential mortgage

account for the last financial year)

Issuance of Certified Charge HK$200 per letter

Bank Confirmation for Audit Purpose HK$150 per account balance

(Max.: HK$1,200 ; Min.: HK$300)

Additional copies: HK$100 per copy

Re-issuance of Repayment Schedule HK$100 per copy

Re-issuance of Interest Rate Change Advice HK$100 per copy

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

Change of Repayment Schedule on Mortgage Loan* HK$1,000 per account

Credit Information HK$200 per copy

Custody of Non-discharged Deeds after Full repayment HK$2,000 per year

Issuance of Redemption Statement for Existing Account HK$200 per copy

Autopay Returned Due to Insufficient Funds HK$130 per item (applicable on or before 31 January

2010) / HK$150 (applicable on or after 1 February 2010)

Using Debit Note for Repayment HK$30 per instalment

Late Charge* HK$400 per transaction

(Including handling fee for autopay returned due to

insufficient fund)

(This charge will be effective on 1 February 2010)

- 2 -

E. Lending Services (contd)


* Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme.


29/33

PPL489-R22

(10/2010)(LT)v.2

- 3 -

Unsecured Loans


Unsecured Overdraft Facility

Item Charge

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

Personal Instalment Loan

Item Charge

Handling Fee Please refer to the promotional leaflet

Prepayment Handling Fee Not more than HK$800

Default Interest 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

Late Charge HK$200



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PPL489-R22

(10/2010)(LT)v.2

- 4 -

Unless otherwise specified, the handling fee for cashwithdrawal / 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

Late Charge 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

Overlimit Fee 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

Returned Cheque Handling Fee HK$100 per cheque


HK$50 per page for statement issued beyond 3 months

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

Payment by Foreign Cheque / 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

Credit Balance Refund by Cashiers Order HK$35 per cashiers order

Foreign Currency Conversion 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


Personal Revolving Loan

Item Charge

Annual Fee HK$300

ATM Cash Withdrawal / Fund Transfer /EPS Payment Handling Fee


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


31/33

PPL489-R22

(10/2010)(LT)v.2

F. Integrated Account Services and Privileges

Type of Integrated Accounts Charges(1)

Prestige Banking

For customer with a Total Relationship Balance(2)of

HK$1,000,000 or above WaivedHK$500,000 - HK$999,999 HK$40 per month

Below HK$500,000 HK$340 per month

Preferred Banking


HK$200,000 or above Waived

HK$50,000 - HK$199,999 HK$26 per month


Integrated Account


HK$10,000 or above Waived


- 1 -This page has been revised since 1 November 2009

(1) 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 toIntegrated Account holders aged under 21 except Integrated Account holders of Prestige Banking and Preferred Banking.

(2) The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraftfacilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed byHang 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.


32/33

PPL489-R22

(10/2010)(LT)v.2

- 2 -

Privileges

F. Integrated Account Services andPrivileges (contd)

Prestige Banking PreferredBanking

IntegratedAccount

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 / WithdrawalsHandling 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)

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

-

-

-

-

-

-

-

Waived

-

-

-

-

-

-

-

GreenBanking

HK$7.5

-

-

-

Waived

-

Waived

Waived

-

-

-

-

-

-

First-year waived


Credit Card Services Pre-approved (10)Prestige Banking Platinum Card

+ 3 supplementary cards Annual Fee

Pre-approved(10) Gold Card Annual Fee

Classic Card Annual Fee

Renminbi Credit Card Annual Fee

Lending Services

Unsecured Overdraft Facility Annual Fee

Handy Cash Personal Instalment Loan Handling Fee

Personal Revolving Loan Annual Fee

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)

Advanced Switching Service with Preferential

Subscription Fee for New Funds (9)

-

750 per month

-

1% discount for

all funds in the

Hang Seng

Investment Series

(Funds with

subscription fee

5%: 1%

discount)

2%

subscription fee

-

500 per month

-

1% discount for

all funds in the

Hang Seng

Investment Series

(Funds with

subscription fee

5%: 1%

discount)

2%

subscription fee

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

bsc banking service magazine.pdf

Documents