P1 Bank Service Fees Guide BANK SERVICE FEES GUIDE EFFECTIVE FROM APRIL 2020 (Business) P2 INDEX Corporate Deposit Account Monthly Maintenance Fee 3 Current Account 4-5 Savings / Statement Savings Account Corporate Account Business Credit Card 6-7 Business Debit Card ATM Card Standby Overdraft 8 Mortgage Loan Services Auto & Equipment Loan Services 9 (Hire Purchase & Lease Agreement) Investment Services 10-14 Securities Service (HK Stocks and Eligible Securities for Shanghai-HK / Shenzhen-HK Stock Connect) Securities Service (Foreign Stocks) Outward Remittance 15-16 Inward Remittance Outward Clean Bills Collection (Non-trade Item) Cheque / Drafts Drawn On Overseas Banks Sent For Collection Other Remittance Services Safe Deposit Box 16 Gold Bullion Foreign Notes / RMB Exchange General Services 17-18 P3 Corporate Deposit Account Monthly General OCBC Wing Hang Maintenance Fee* Premier Banking HKD Current / Passbook / Statement Savings Account average daily total relationship balance HK$80 per account N/A below HK$50,000 or equivalent per month RMB Current / Passbook / Statement Savings Account average daily total relationship balance RMB 80 per account N/A below HK$50,000 or equivalent per month Business Integrated Account average daily total relationship balance HK$150 per account N/A below HK$50,000 or equivalent per month OCBC Wing Hang Premier Banking Account average daily total relationship balance N/A HK$200 per account below HK$1,000,000 or equivalent per month Business Account / Foreign Business Account average daily total relationship balance HK$500 or N/A below HK$100,000 or equivalent equivalent per account per month * Remarks: (1) The Bank will calculate the average daily total relationship balance of the account(s) on a monthly basis. (2) The average daily total relationship balance is calculated based on the aggregate of a customer’s account(s) with the Bank: - The balance includes: (a) all currencies and gold (include 99 Fine Gold, Gold Maple Leaf and Ounce Gold) passbook savings, statement savings, current and time deposit; (b) the market value or closing price (as determined by the Bank at its absolute discretion) of securities and all investment holdings of investment account(s); - The balance of corporate accounts should be held under the same name and with the same Business Registration Certicate number; (3) The Bank will waive the monthly account maintenance fee for customers of auto / equipment nance, standby overdraft facilities and bills facilities. (4) The monthly account maintenance fee (or its equivalent in other currencies) will be debited to customer’s primary account on the rst business day of the third week of the following month. If the monthly account maintenance fee cannot be debited from the primary account of the customer, the unpaid monthly account maintenance fee will be debited from sub-accounts (including other currencies accounts) other than the primary account. If the monthly account maintenance fee cannot be debited from any accounts of the customer, it will be accumulated to debit on the next month. 3 P4 Current Account General OCBC Wing Hang Premier Banking Stop payment of cheque# HK$100 / RMB 100 / Branch channel: USD 12 per cheque* Waived Other channels: HK$100 / RMB 100 / USD 12 per cheque* Cancel stop payment of cheque# HK$100 / RMB 100 / USD 12 per cheque* Account closed within 3 months HK$200 / RMB 200 / USD 25 per account from date of account opening Returned cheque# insucient funds HK$150 / RMB 200 / USD 20 per cheque* other technical errors HK$100 / RMB 100 / USD 13 per cheque* (except post-dated cheque) exceed the daily limit(RMB80,000) RMB 200 per cheque Unauthorized overdraft# HKD Current Account Handling charge of HK$120 per HKD cheque and electronic payment respectively, and overdraft interest at OCBC Wing Hang Prime Lending Rate or overnight HIBOR rate (Hong Kong Inter-Bank Oer Rate), whichever is higher, plus 9% p.a. RMB Current Account Handling charge of RMB 120 per RMB cheque & electronic payment respectively and overdraft interest at overnight CNH HIBOR (Hong Kong Inter-Bank Oer Rate) plus 9% p.a. USD Current Account Handling charge of USD 15 per USD cheque and electronic payment respectively, and overdraft interest at USD Prime Lending Rate or overnight LIBOR rate (London Inter-Bank Oer Rate), whichever is higher, plus 9% p.a. RMB cheque handling# transfer / cash deposit to settle the 1% on the total amount of transfer / deposit shortfall (Minimum: RMB 200) Mailing of cheque book Order cheque By ordinary mail: Waived Waived Other types By registered mail: Waived HK$25 or RMB equivalent or USD equivalent for one cheque book and HK$5 or RMB equivalent or USD equivalent for every additional cheque book Inward direct debit returned HK$150 / RMB 150 per item Deposit / withdrawal of USD 0.25% on total Waived banknotes to / from USD account amount per (for deposit / transaction withdrawal limit of (Minimum : HK$50) USD 5,000 or equivalent per transaction and maximum 2 transactions per month) # Remark: Applicable to paper cheque & e-Cheque. * Remark: Subject to the currency of the cheque. 4 P5 Savings / Statement Savings General OCBC Wing Hang Account Premier Banking Deposit/withdrawal of foreign currency banknotes to/from foreign currency account USD (except banknote account) 0.25% of the total Waived amount per (for deposit / transaction withdrawal limit of (Minimum: HK$50) USD 5,000 or equivalent per AUD, CAD, CHF, EUR, GBP, JPY, NZD, 0.375% of the total transaction and SGD amount per maximum 2 transaction transactions per (Minimum: HK$50) month) Other currencies subject to buying / selling of HKD notes Account closed within 3 months HK$150 or equivalent from date of account opening Re-issue of passbook HK$100 per passbook Inward direct debit returned HK$150 / RMB 150 per item Corporate Account General OCBC Wing Hang Premier Banking Account opening fee Local company account HK$1,200 per Waived account Overseas company account* HK$10,000 per Waived account Special company account handling fee Company with 3 or more layers in HK$10,000 its structure Annual account maintenance fee Business Account / Foreign Business HK$800 or equivalent Account Courier service fee HK$300 per time * Denition of "Overseas Company" includes: 1) Company not registered in Hong Kong under Part 16 of Company Ordinance (applicable to limited companies only) and the Business Registration Ordinance, or 2) Hong Kong Incorporated Companies with corporate shareholder(s) and/or corporate director(s) that are incorporated overseas. 5 P6 Business Credit Card General OCBC Wing Hang Premier Banking Annualised Percentage Rate (APR) 19.06% when you open your account and it for Retail Purchase1 will be reviewed from time to time. We will not charge you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on the unpaid balance of the previous statement outstanding on each day from the date of the previous statement on a daily basis until repayment in full. APR for Cash Advance1 21.00% when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until repayment in full. Delinquent APR 40.76% (Retail Purchase) and 45.21% (Cash Advance) it may be applied to your account if you fail to pay the Minimum Payment in full on or before the Payment Due Date as shown on a statement, starting from the date of the next second statement following such statement. After all outstanding Minimum Payment has been paid, interest rate will be reverted to its normal rate starting from the date of the next statement following such payment. Interest Free Period - Up to 54 days on retail purchase - No interest free period on cash advance and balance transfer Minimum Payment All interest and fees and charges including without limitation Annual Membership Fees that may be charge, plus 1% (or such higher percentage as we specify) of outstanding principal, plus the amount exceeds the credit limit (if any) and the overdue amount (if any), subject to a minimum charge of HK$100 provided always that The Minimum Payment shall be determined by us in accordance with our usual practice and specied by us from time to time. Annual Fee Waived Cash Advance Fee A handling fee of 4% of the cash advance amount (minimum charge HK$100) per transaction and an administration fee of HK$20 per transaction Fees relating to Foreign Currency 1.95% pf every transaction eected in a Transaction currency other than Hong Kong dollars (for Visa and Mastercard only) Fee relating to Settling Foreign 1% on the converted transaction amount for Currency Transaction in Hong Kong every foreign currency transaction settled in Dollars2 Hong Kong dollars (for Visa and MasterCard only) Late Payment Fee3 HK$350 or Minimum Payment of the previous statement (whichever is lower) Over-the-limit Fee HK$180 per statement period Returned Payment Fee N/A Card / Cardface Replacement Fee HK$100 per replacement card Request for Sales Draft / HK$50 per copy Statement Copy Over-the-counter Payment HK$30 per transaction Cash Balance Withdrawal By Cash Order or Bank Account HK$100 per time Transfer Debt Collection Agency Fee Up to 30% of the total outstanding balance, or such other amount as we specify from time to time 6 P7 Business Debit Card General OCBC Wing Hang Premier Banking Annual Fee HK$200 Card / Cardface Replacement Fee HK$100 per replacement card Request for Sales Draft / Statement Copy HK$50 per copy Rejected Transaction