Effective from 1 November, 2016

General Banking Services Charges Type of Services Charges/Details CURRENT ACCOUNT Insufficient funds HKD150.00 / USD18.00 / -- HKD/USD RMB200.00 per returned -- RMB cheque cheque Customer's HKD50.00 / USD6.50 / Return cheque technical errors -- HKD/USD cheque RMB50.00 per returned cheque -- RMB cheque RMB cheque amount exceeding RMB200.00 per returned RMB80,000.00 cheque HKD200.00 per cheque Dispatched by Mark ‘good’ (plus drawee bank charges） cheque Dispatched by HKD60.00 per cheque customer HKD100.00 per instruction HKD100.00/ USD13.00 / RMB Stopped payment order 80.00 per instruction (through Corporate Internet Banking) Special-printed cheque Prevailing cost Special-printed deposit slips Prevailing cost By ordinary mail Waived HKD25.00/USD3.00/RMB20.00 Cheque book plus non-local postage delivery By registered mail (Postage will be waived if delivery address is in HK) HKD25.00/USD3.00/RMB20.00 per cheque plus non-local returned by postage (Postage will be registered mail waived if delivery address is in HK) Account closed within 3 months after HKD200.00 per account account opening Combined average monthly balance in Monthly service HKD current 1 HKD60.00 per month fee account(s) and savings account(s) below HKD5,000.00

Wholly owned subsidiary of China Cinda 1/15

Type of Services Charges/Details CURRENT ACCOUNT HKD120.00 per cheque and O/D interest calculated at HKD prime rate plus 10% or overnight HIBOR (whichever is higher) USD15.00 per cheque and O/D Unauthorized interest calculated at US prime USD rate plus 10% or overnight LIBOR plus 4% (whichever is higher) RMB120.00 per cheque and O/D interest calculated at CNY RMB prime rate plus 10% or overnight CNY HIBOR plus 10% (whichever is higher) Temporary HKD120.00 per cheque and overdraft / O/D interest calculated at overdrawn HKD prime rate plus 10% or overnight HIBOR (whichever is higher) USD15.00 per cheque and O/D Exceeded interest calculated at US prime overdraft USD rate plus 8% or overnight limit LIBOR plus 4% (whichever is higher) RMB120.00 per cheque and O/D interest calculated at CNY RMB prime rate plus 10% or overnight CNY HIBOR plus 10% (whichever is higher) Against uncleared HKD120.00/USD15.00/ items RMB120.00 per cheque Subject to 0.25% on full amount if daily deposit exceeds Deposit USD notes into USD T/T USD1,500.00 per account; (current) account Daily deposit of USD1,500.00 or below: Waived

Wholly owned subsidiary of China Cinda 2/15

Type of Services Charges/Details CURRENT ACCOUNT Subject to 0.25% on full amount if daily withdrawal Withdraw USD notes from USD T/T exceeds USD1,500.00 per (current) account account; Daily withdrawal of USD1,500.00 or below: Waived Subject to 0.125% of the Deposit RMB notes into RMB (current) deposit amount in HKD or a account minimum of HKD15.00 will be charged per transaction. RMB cheque Transfer into account Subject to 1% of the total handling to cover insufficient transfer amount, or a minimum charges funds of RMB200.00 per transaction. SAVINGS ACCOUNT Replacement of a passbook HKD100.00 per account Account closed within 3 months after HKD50.00 per account A/C opening date Combined average monthly balance in HKD current account(s) and HKD60.00 per month1 savings account(s) Monthly below HKD5,000.00 service fee RMB savings account average monthly RMB50.00 per month balance below RMB5,000.00

Average monthly Monthly Subject to a monthly service balance of “Swiss Franc” service fee fee based on 1.00% per annum (“CHF”) in CHF Savings (only of the average monthly balance Account or applicable to of CHF in the current month. Multi-Currency Savings corporate The monthly service fee will be Account exceeds customers) calculated in CHF. CHF500,000.00

Wholly owned subsidiary of China Cinda 3/15

Type of Services Charges/Details SAVINGS ACCOUNT

Average monthly Subject to a monthly service balance of “Danish fee based on 0.85% per annum Krone” (“DKK”) in DKK of the average monthly balance Savings Account or of DKK in the current month. Multi-Currency Savings The monthly service fee will be Account exceeds calculated in DKK. DKK4,000,000.00 Monthly Average monthly Subject to a monthly service service fee balance of “Swedish fee based on 1.00% per annum (only Krona” (“SEK”) in SEK of the average monthly balance applicable to Savings Account or of SEK in the current month. corporate Multi-Currency Savings The monthly service fee will be customers) Account exceeds calculated in SEK. SEK5,000,000.00 Average monthly Subject to a monthly service balance of “Euro” fee based on 0.40% per annum (“EUR”) in EUR Savings of the average monthly balance Account or of EUR in the current month. Multi-Currency Savings The monthly service fee will be Account exceeds calculated in EUR. EUR5,000,000.00

Cash withdrawal or fund HKD Savings 3 2 transfer over the HKD20.00 per counter

0.125% of the deposit amount Deposit RMB notes into RMB (savings) or a minimum of HKD15.00 will account be charged in HKD per transaction.

Subject to 0.25% on full Deposit USD notes into USD T/T amount if daily deposit exceeds (savings) account USD1,500.00 per account; Daily deposit of USD1,500.00 or below: Waived

Wholly owned subsidiary of China Cinda 4/15

Type of Services Charges/Details SAVINGS ACCOUNT

Subject to 0.25% on full amount if daily withdrawal Withdraw USD notes from USD T/T exceeds USD1,500.00 per (savings) account account; Daily withdrawal of USD1,500.00 or below: Waived Waived if daily deposit/ withdrawal amount per account within the following limits: AUD500 CAD500 CHF500 EUR500 GBP500 JPY70,000 NZD500 SGD500 Other foreign currency notes deposit Subject to 0.3125% of deposit to / withdrawal from T/T account amount, or 0.1875% of withdrawal amount if the daily amount exceeds the above limit Other currencies (any amount): subject to buying/ selling of HKD notes

Wholly owned subsidiary of China Cinda 5/15

Type of Services Charges/Details FIXED DEPOSIT If we exercise our discretion to allow uplift of time deposit before maturity, no interest will be payable and the customer must pay charges calculated based on the following formulae (whichever is higher) subject to a minimum of HKD200.00: 1. Time Deposit Principal x [(Prime Rate* - 2.50%) - Early uplifting Time Deposit Interest Rate] x No. of Days due to Maturity/Total No. of Days in a Year 2. Time Deposit Principal x (Inter-Bank Offer Rate* - Time Deposit Interest Rate) x No. of Days due to Maturity/Total No. of Days in a Year *Subject to the rate as quoted by us from time to time. Automatic Teller Machine (ATM) CARD ATM Card (with HKD account as the 4 HKD50.00 primary account)/ NCB Fast Cash Card ATM Card (with RMB account as the Annual Fee RMB50.00 primary account) ATM Card-Business Waived Replacement due to customer’s loss of a ATM Card (with HKD account as the HKD50.00 Card primary account)/ NCB Fast Cash Card Replacement Replacement due to customer’s loss of a Fee ATM Card (with RMB account as the RMB50.00 primary account) Non-receipt of new card Waived

Wholly owned subsidiary of China Cinda 6/15

Type of Services Charges/Details Automatic Teller Machine (ATM) CARD New card with HKD account as the HKD50.00 Replacement primary account of a damaged New card with RMB account as the card RMB50.00 primary account ATM cash HKD20.00 withdrawal Cash withdrawal in the Mainland of China per via “JETCO” /Macau 5 transaction network Cash withdrawal from Cash RMB account with ATM RMB15.00 per transaction withdrawal Card via “CUP” Cash withdrawal from 6 ATM network HKD account with ATM HKD15.00 per transaction Card ATM cash withdrawal via “VISA / PLUS” network (Applicable to BOC Visa HKD25.00 per transaction Credit Card linked with bank accounts)7 ATM cash withdrawal via “MasterCard / Cirrus’’ network (Applicable to BOC HKD25.00 per transaction MasterCard Credit Card linked with bank accounts)8 SAFE DEPOSIT BOX HKD100.00 (plus key Replacement of a key replacement cost)

HKD200.00 (plus box opening Drilling of box and replacement of lost fee and lock replacement keys costs)

CASHIER’S ORDER Issuance of a Cashier’s Order HKD50.00 (HKD/USD/RMB)

Issuance of an e-Cashier's Order (HKD HKD50.00 / USD6.00 / / USD / RMB) RMB40.00

Wholly owned subsidiary of China Cinda 7/15

Type of Services Charges/Details CASHIER’S ORDER Verification of the purchaser’s identity Waived Cancellation of Cashier’s Order and HKD50.00 per item redeposit into purchaser's account Report loss of a Cashier’s Order to HKD50.00 plus HKICL charges HKICL Mark ‘good’ - Cashier’s Order HKD50.00 per item (HKD/USD/RMB) BANK CERTIFICATION HKD150.00 (HKD20.00 for Banker's endorsement each additional copy) HKD100.00 (HKD20.00 for Confirmation of account balance each additional account)

Auditor’s confirmation HKD300.00 per set

HKD300.00 (HKD25.00 for Banker's reference letter each additional copy) AUTOPAY

Setup or amendment of direct debit HKD15.00 / RMB13.00 per item authorization (DDA) record

Setup or amendment of standing HKD60.00 / RMB48.00 per item instruction for autopay-out

Account held HKD0.50 / RMB0.40 per item Instruction with NCB, (subject to a minimum of fee BOCHK or HKD20.00 / RMB17.00 per Autopay- 9 (Submission Chiyu instruction) out for of files to corporate branches or HKD1.00 / RMB0.80 per item clients Account held designated (subject to a minimum of with other locations) HKD30.00 / RMB25.00 per instruction)

Wholly owned subsidiary of China Cinda 8/15

Type of Services Charges/Details AUTOPAY Instruction Account held fee with NCB, Autopay- HKD0.30 / RMB0.25 per item (File BOCHK or out for 9 uploading Chiyu corporate via Account held clients electronic with other HKD0.60 / RMB0.50 per item channels) banks Setup of autopay records HKD15.00 / RMB13.00 per item Setup or amendment of standing instruction for HKD60.00 / RMB48.00 per item autopay-in Autopay- Account held HKD0.50 / RMB0.40 per item in for Instruction with NCB, (subject to a minimum of corporate fee BOCHK or HKD20.00 / RMB17.00 per clients (Submission Chiyu9 instruction) of files to branches or HKD1.00 / RMB0.80 per item Account held designated (subject to a minimum of with other locations) HKD30.00 / RMB25.00 per banks instruction) Instruction Account held Autopay- fee with NCB, HKD0.30 / RMB0.25 per item in for (File BOCHK or corporate uploading Chiyu9 clients via Account held electronic with other HKD0.60 / RMB0.50 per item channels) banks

Returned Direct debit authorization HKD150.00/ RMB130.00 per autopay (DDA) item (due to insufficient Standing instruction for HKD150.00/ RMB130.00 per funds) autopay-out item

Re-processing of direct debit HKD100.00/ RMB90.00 per authorization (DDA) instruction item

Wholly owned subsidiary of China Cinda 9/15

Type of Services Charges/Details PAYROLL HKD0.50 / RMB0.40per item Account held with (subject to a minimum of NCB, BOCHK or 9 HKD20.00 / RMB17.00 per Instruction fee Chiyu (Submission of instruction) files to branches or designated HKD1.00 / RMB0.80 per item locations) Account held with (subject to a minimum of other banks HKD30.00 / RMB25.00 per instruction)

Account held with NCB, BOCHK or HKD0.30 / RMB0.25 per item Instruction fee Chiyu9 File uploading via electronic channels Account held with HKD0.60 / RMB0.50 per item other banks

HKD100.00/ RMB90.00 per Re-processing of payroll instruction instruction

EXPRESS TRANSFER (RTGS/CHATS) Conducted via HKD180.00 per transaction branches

Account held with HKD/USD/EUR/ Waived RMB funds BOCHK transfer to other or Conducted 9 Chiyu banks via via Express Transfer electronic (RTGS/CHATS)10 channels Account held with HKD55.00 per transaction other banks

Wholly owned subsidiary of China Cinda 10/15

Type of Services Charges/Details EXPRESS TRANSFER (RTGS/CHATS)

Inward HKD/USD/EUR/RMB Express Transfer (RTGS/CHATS) Inward Express (Applicable to Transfer (RTGS/ HKD15.00 per transaction incoming CHATS) RTGS/CHATS amount equivalent to above HKD500.00)

Handling charge for Amendment/ Enquiry/Cancellation/Returned HKD150.00 per transaction Express Transfer (RTGS/CHATS) OTHER SERVICES Company Limited company HKD150.00 Search Unlimited company HKD100.00 1 year HKD250.00 per account Request for 2 years HKD750.00 per account savings/fixed deposit account 3 years HKD1,000.00 per account records More than 3 years HKD1,000.00 per additional (maximum 7 years) year Request for copy of account statements HKD50.00 per statement cycle (from 1 month up to 7 years from the date of request) Setting up / Amendment of standing HKD70.00 instruction

Written funds transfer instruction HKD150.00 per instruction without using standard form of NCB

Provision of duplicate copy of HKD50.00 per page plus customer’s information operating costs

Wholly owned subsidiary of China Cinda 11/15

Type of Services Charges/Details OTHER SERVICES NCB’s customer: HKD10.00 per Gift cheque(HKD/RMB) item Notional Precious Replacement of Passbook HKD100.00 per account Metals Passbook

Funds transfer Account held with to other local Waived banks via BOCHK or Electronic 9 Electronic Chiyu transfer Transfer (Express (Express Processing) Account Processing) by held with HKD30.00/RMB24.00 per Internet other transaction Banking banks

Account Funds transfer held with Waived to other local BOCHK or banks via 9 Electronic Chiyu Electronic transfer Transfer by Account Internet held with HKD25.00/ RMB20.00 per item Banking other banks 10 or 20 cents HKD1.00 for every HKD20.00 Change of coins Others HKD1.00 for every HKD50.00 2% of total amount for deposit of 500 coins or above; Bulk coins deposit (must be presorted) Subject to a minimum fee of HKD50.00 per transaction 0.25% of the total amount for depositing above 200 notes / Bulk cash deposit/ 11 above HKD100,000.00 ; transaction(HKD/RMB) Subject to a minimum fee of HKD50.00 per transaction

Wholly owned subsidiary of China Cinda 12/15

Type of Services Charges/Details OTHER SERVICES Up to 30 pieces per day Waived Bulk cheque Charges for each cheque deposit if more than 30 pieces HKD1.00 per day Money exchange (Non-account HKD100.00 per transaction holders) 0.375% of the draft amount issued by other (minimum HKD50.00) plus Encashment banks correspondent bank’s charge of demand (if any) draft HKD100.00 plus Returned unpaid items correspondent bank’s charge (if any) and interest Sent for collection HKD150.00 per item (including (applicable to non-bills postage) plus correspondent transactions) bank’s charge Clean bills HKD100.00 plus correspondent Returned / Unpaid items bank’s charge (if any) and interest HKD20.00 per transaction, free Counter transactions for Corporate for first ten transactions per Customers month12 Remarks : 1. Customers should designate ONE HKD savings account and ONE HKD current account for the calculation of the consolidated monthly average balance. If the consolidated monthly average balance is at or over HKD5,000, the monthly service fee will be waived. If such balance falls below HKD5,000, a monthly service fee of HKD60 will be charged. For accounts other than those designated ones, the monthly service fee will be charged to each individual account if its monthly average balance falls below the requirement. Senior citizens aged 65 or above, account holders aged below 18, recipients of Government Disability Allowances/ Comprehensive Social Security Assistance, or the Bank designated customers from time to time (including those taken up designated products / services*) can apply for monthly service fee waiver of HKD current and savings account. For customers who have special needs and request for fee exemption, please contact branch staff. *Inclusive of NCB Wealth Management, Enrich Banking, i-Free Banking, Happy Kids Savings Account, Corporate Account, Overdraft Facility, Mortgage, Time Deposits, Securities Account, Precious Metal & FX Margin Trading, Credit Card,

Wholly owned subsidiary of China Cinda 13/15

Safe Deposit Box and Notional Precious Metals Passbook 2. Including HKD Flexi-Savings Account which is under HKD Savings Account now. 3. Senior citizens aged 65 or above, account holders aged below 18, recipients of Government Disability Allowances / Comprehensive Social Security Assistance, or the Bank designated customers from time to time (including those taken up designated products / services#) can apply for counter service fee(s) waiver of HKD savings account. For customers who have special needs and request for fee exemption, please contact branch staff. # Inclusive of NCB Wealth Management, Enrich Banking and i-Free Banking 4. Annual fee waiver for senior citizens aged 65 or above . 5. For transaction conducted via the “JETCO” network, if the transaction currency is Renminbi, the transaction amount is converted at the exchange rates set by the “JETCO” member bank which is displayed on the ATM screen at the time of the transaction. 6. For transaction conducted via the “CUP” network, if the transaction currency is Hong Kong dollars or Renminbi, the transaction amount is converted directly at the exchange rates set by NCB at the time of the transaction. If the transaction currency involves currency other than Hong Kong dollars or Renminbi, the transaction amount is converted directly at the daily exchange rates set by China UnionPay. 7. For transactions conducted via the “VISA/PLUS” network, the amount withdrawn is converted directly into Hong Kong dollars at the daily exchange rates set by VISA plus around 1% conversion charge. 8. For transaction conducted via the “MasterCard/Cirrus” network through bank account, the transaction amount is first converted to US dollars, and then to Hong Kong dollars, at the daily exchange rates set by MasterCard at the time of the transaction plus 1% conversion charge (Exchange rate can be enquired via the website of MasterCard). 9. “BOCHK” refers to Bank of China (H.K.) Ltd. and “Chiyu” refers to Chiyu Banking Corporation Limited. 10. If Beneficiary Bank Charges are requested to be borne by remitter, the Bank is entitled to collect the charges plus extra handling charges of the Bank in advance. The chargeable amount is determined by the Bank with reference to the collection records of the related beneficiary bank without notice, and the collected amount is not refundable. But, if the actual claims exceeded the collected amount, the Bank is entitled to collect the shortfall. Please also note that this charge option requires more work and the Beneficiary Bank generally collect higher amount than if they are otherwise borne by beneficiary. 11. Nanyang Commercial Bank, Limited reserves the right to levy extra charge. -Other Charges may apply, please contact our staff for details. -We reserve the right to amend the service charges. 12. The following transactions conducted over the branch counters of NCB are considered as counter transactions: cash deposits, cash withdrawals, cheque

Wholly owned subsidiary of China Cinda 14/15

deposits, fund transfers and mixed deposit. The total number of counter transactions in a month is calculated based on those conducted in respect of all accounts maintained with NCB by a corporate customer, as well as those initiated by third parties (including cash and cheque deposits to the corporate customer’s account). Besides, our corporate customers will be entitled to certain number of monthly free counter transactions based on their Business Integrated Account type. Please contact our staff for details. Any counter transaction fee payable will be deducted from the corporate customer’s HKD savings or current account.

Nanyang Commercial Bank, Limited

Wholly owned subsidiary of China Cinda 15/15