Due to the amount of a single RMB cheque exceeding RMB200 per cheque

(1)

Effective Date: 7 Dec 2015

Services

Item

Charges

Current Account (Applicable to HKD, USD and

RMB Current Account)

Returned Cheque Due to insufficient funds HK$150 / US$20 / RMB200 per cheque Due to technical error(s) made by customers HK$70 / US$10 / RMB50 per cheque Undue / Overdue cheque Free of charge

Due to the amount of a single RMB cheque exceeding RMB80,000

RMB200 per cheque Temporary Overdraft O/D exceeds credit limit / O/D without

credit limit

HK$120 for each overdraft plus additional interest charges for the exceeded amount at our HKD Best Lending Rate + 9%p.a. or HIBOR, whichever is higher / US$15 for each overdraft plus additional interest charges for the exceeded amount at our USD Best Lending Rate + 9%p.a. or LIBOR, whichever is higher / RMB200 for each overdraft plus additional interest charges for the exceeded amount at the overnight Shanghai Interbank Offered Rate + 9%p.a. or our bank’s cost of fund, whichever is higher

Cheque drawn against uncleared item HK$120 / US$15 / RMB200 per cheque Cheque Marked Good for

Payment

Sent by bank HK$200 / US$26 per cheque plus other bank charges Sent by customer HK$100 / US$13 per cheque plus other bank charges Stop Payment on Cheque Establishing / Cancelling record HK$100 / US$13 / RMB100 per instruction Stop Payment on Cheque

(Internet Transaction)

Establishing record HK$100 / US$13 / RMB100 per instruction Printing of Special Cheques Regular / Gold-plated Handling charge

Printing of Special Pay-in Slips Handling charge

Delivery of Cheque Book By surface mail Free of charge

By registered mail HK$25 (max. 2 booklets)

Delivery of Returned Cheque By registered mail Postal fee

Account Closure within 3 months from date of Account Opening HK$200/US$25/RMB200 per account

Deposit / Withdraw USD notes into / from USD Current Account 0.25% of the deposit / withdrawal amount per transaction

Savings Account

Report loss of Passbook / Replacement of Passbook (Due to loss / damage of passbook or loss of Chop)

HK$100 per passbook

Consolidated Back Item Advice HK$70 per copy

Account Closure within 3 months from date of Account Opening HK$200 per account Service Fee (Note 1) Average balance below HK$5,000 equivalent (Starts from

the Account Day of the previous month to the Account Day before the last Account Day of the current month)

HK$60 per month

eSavings Deposit Account

Transactions conducted over our branch /sub-branch counter：Cash withdrawal, Transfer through Account, CHATS Outward through Account and Account balance enquiry (Note 2)

Counter Service Fee of HK$20 for each transaction

Annual fee of ATM card Free of charge

Account Service Fee Average balance below HK$5,000 equivalent (Starts from the Account Day of the previous month to the Account Day before the last Account Day of the current month)

Free of charge

Time Deposit Account (including

Club Deposits)

Early uplift on Time Deposits HK$200 per transaction (interest penalty may be levied)

ATM Card/ Dual Currency Card/ HKD China UnionPay Card (Note 3)

Annual fee (Note 4) HK$50 per card

Loss of card Report loss and re-issue HK$50 per card

Report loss only Free of charge

Re-issue of new card due to card lost in transit Free of charge ATM cash withdrawal through BOCOM ATMs in Mainland China (ATM Card/HKD China

UnionPay ATM Card only）

HK$8 per transaction ATM cash withdrawal through JETCO ATM network in Mainland China and Macau HK$10 per transaction ATM cash withdrawal through PLUS ATM network HK$25 per transaction ATM cash withdrawal through China UnionPay ATM network in Mainland China (Dual

Currency Card only）

RMB15 per transaction ATM cash withdrawal through China UnionPay ATM network in Worldwide (not include

Mainland China)（HKD China UnionPay ATM Card and Dual Currency Card）

HK$15 per transaction

Credit Card Please refer to “Bank of Communications Credit Card Fees Schedule”/ “Bank of Communications CUP Dual Currency Credit Card Fees Schedule” Safe Deposit Box

Replacement of one key HK$200 per key plus handling charge

Breaking open of box due to loss of all keys HK$300 per box plus handling charge (including charge for replacement of keys)

Note 1: Exemptions apply to senior citizens (aged 65 or above), minors (aged below 18), customers receiving Government Disability Allowance/Comprehensive Social Security Assistance Scheme (supporting documents required), Low-income Earners (customer declaration required), corporate accounts, association accounts, trustee accounts and customers who are using the designated product(s) or service(s) determined by our Bank from time to time. The designated products/services include: BComBEST, BOCOM FORTUNE, mortgage, overdraft or loan, Bo Bo Savings Account, securities account, investment account, FX margin trading, time deposits/club deposits, Bank of Communications Pacific Credit Card, S2_{Payroll Account. (Fee of the current month will be exempted if the customer still belongs to the above customer type or is still using the} above designated products / services on the last Account Date of the current month )

Note 2: Customer may also need to pay the relevant fee when conducting certain banking transactions, e.g. CHATS Outward.

(2)

Effective Date: 7 Dec 2015

Services

Item

Charges

Cashier’s Order

Issuance HK$50 per order

Banker’s endorsement to certify the name of purchaser Free of charge

Refund HK$50 per order

Report loss HK$60 per order plus charge for reporting to HKAB / HKICL

Cashier’s Order Marked Good by bank HK$50 per order

Autopay (Debit Service)

Creation of new record / Amendment of record HK$50 / RMB50 per record Returned Autopay Due to insufficient funds HK$150 / RMB150 per record

Due to other reasons HK$20 / RMB20 per record CUP Cross Border Autopay Service HK$50 / RMB50 per service IAH/CCASS

Autopay (Debit Service)

Creation of new record / Amendment of record HK$50 / RMB50 / US$6.5 per record Returned Autopay Due to insufficient funds HK$150 / RMB150 / US$20 per record

Due to other reasons HK$20 / RMB20 / US$3 per record Collection Service

(Credit Account)

Initial set up fee Free of charge

Counter Payment Service HK$5 / RMB5 / US$0.7 per record

Written Instruction HK$5 / RMB5 per record (minimum HK$100 / RMB100)

Autopay of Payroll Service

Written Instruction Initial set up fee HK$200 / RMB200

Credit into our bank’s A/C HK$1 / RMB1 per account (minimum HK$50 / RMB50) Credit into other bank’s A/C HK$4 / RMB4 per account (minimum HK$100 / RMB100) Diskette Instruction/USB Initial set up fee HK$200 / RMB200

Credit into our bank’s A/C Free of charge

Credit into other bank’s A/C HK$1 / RMB1 per account (minimum HK$70 / RMB70)

BComBEST Services

Maintenance The monthly average aggregate daily credit balance of designated accounts (Note 1) in the name of the customer is less than HK$800,000 equivalent

HK$200 per month

Re-applying Re-applying within 6 months from cancellation (Note 2)

HK$100 per application

BOCOM FORTUNE

Services

Maintenance The monthly average aggregate daily credit balance of designated accounts (Note 1) in the name of the customer is less than HK$100,000 equivalent

HK$50 per month

Re-applying Re-applying within 6 months from cancellation (Note 2)

HK$100 per application

Taxi Financing

Handling of Assigning / Changing Vehicle Registration Number HK$600 per request

Handling of Changing Engine Number HK$600 per request

Option Fee HK$700 per request

Handling of Replacement of Carbody HK$1,000 per request

DreamCash Personal Loan /

Tax Loan

Handling Fee 1% of Loan Amount per annum

Whole year calculation for loan tenor of less than 1 year

Default Interest 3% per month on monthly installment amount, calculated from first date of default

Late Fee HK$500 per month

Early Settlement Fee 2% of Loan Amount plus HK$200

Bank Confirmation

Verification of Account Signature HK$150 / US$20 per copy (HK$20 / US$3 for each additional copy) Confirmation of Account

Information

Confirmation of Account Balance HK$150 / US$20 per copy (HK$20 / US$3 for each additional copy) Confirmation of Customer Account/Services

Information

HK$300 / US$39 per copy (HK$20 / US$3 for each additional copy) Confirmation of Mortgaged Property Information

Confirmation of Banking Facilities Confirmation of Transaction Information Issuance of Bank Reference

Letter

Sponsorship for relative further studies HK$300 / US$39 per copy (HK$20 / US$3 for each additional copy) Staff visa application

Tourist visa application Employment of overseas workers General Business Certificate General Personal Certificate

Issuance of non-standardized Bank Reference Letter HK$300 / US$39 per copy

General Services

Special Company Account Opening

Trust account HK$5,000 per request

Company with more than 3 layers in its structure HK$5,000 per request

Overseas Company Account Opening HK$5,000 per request

BR / CI Search HK$200 per search

Negotiable for Overseas Company (minimum HK$2,000) Cash withdrawal, Transfer

and CHATS Outward through Savings or Current Account (Note 3)

The number of transactions conducted over our branch /sub-branch counter exceeds the “Free monthly transaction count” as time to time specified by us

Counter Service Fee of HK$20 for each transaction that is conducted in each month after the specified number of transactions has been conducted in that month

Note 1: Savings Account, Current Account, Time Deposit Account, Securities Account, Equity Linked Investment Account, Debt Instrument Account, Investment Funds Account, FX Margin Trading Account – Cash, Structure Deposit, MPF Account, Outstanding Balance of Unsecured Loans Account and the Cash Values of Insurance Policies.

Note 2: Also applicable to individual who had previously cancelled and re-applies the BComBEST services / BOCOM FORTUNE services in joint names, and vice versa.

(3)

Effective Date: 7 Dec 2015

Services

Item

Charges

General Services

Account History Report for Savings or Fixed Deposit Accounts

(Note 1)

Record within 1 year HK$250 per account Record within 2 years HK$750 per account Record within 3 years HK$1,000 per account Record more than 3 years (up to 7 years) HK$1,000 per year thereafter Outward Clean Bills

Collection

Paid / Return item HK$150 per draft (plus correspondent bank charges)

Inward Remittance Bought Paid / Return item 0.5% per application form (minimum HK$100) (plus correspondent bank charges)

Bank Confirmation for Audit Purposes HK$150 per account（minimum HK$300 to maximum HK$1,000） Reference Letter of Customer to Other Banks HK$350 per letter

Reference Letter of Customer to Solicitors HK$100 per letter

Request for Personal Data HK$300 per request (including no account maintained) Request for copy of documents by Customer HK$50 per page (additional charge for special cases)

Written Standing Instructions HK$100 / RMB100 per item

Gift Cheque HK$10 per cheque

Gift Card HK$10 per card

Coins Exchange (Note 2) HK$4 per sachet

HKD Notes Deposit (must be presorted)

Over 200 notes per day per customer or over HK$50,000 per day per customer

HK$0.3 per note (minimum HK$100) or 0.5% of the amount per transaction, whichever is higher

Foreign Currency Notes depositinto / withdraw from the sameCurrency Account (USD Notes deposit account excluded)

USD 0.25% of the deposit / withdrawal amount per transaction

Renminbi 0.25% of the deposit /withdrawal amount if the deposit / withdrawal amount per account per day is over RMB20,000

Other foreign currencies (GBP, AUD, CAD and JPY only)

0.375% of the deposit / withdrawal amount per transaction HKD Coins Deposit (must be presorted) (Note 2) HK$3 per sachet or part thereof

Foreign Currency Notes Bank Customers Free of charge (Note 3) Exchange (Renminbi

excluded)

Non-Bank Customers HK$100 per transaction Renminbi Currency Notes Bank Customers Free of charge (Note 3)

Exchange Non-Bank Customers HK$100 per transaction

Bulk Cheque Deposit Up to 30 pieces per day Free of charge

Over 30 pieces per day HK$2 per subsequent piece

Facsimile Within Hong Kong HK$50 (up to 5 pages)

Outside Hong Kong HK$100 (up to 2 pages) Each additional page (any country) HK$50 per page

Receive physical copy of statement Free of charge

Photocopying of Statement (including reprint of e-consolidated statement)

Within 1 month HK$50 equivalent per copy

1 month to 7 years (up to 7 years) HK$70 / US$9 / RMB70 per copy (Each statement period counted as one copy) Replacement of Copies of Within 1 year HK$50 per page

Advice / Receipt 1 year to 2 years HK$100 per page

2 years to 3 years HK$150 per page

6 years to 7 years (up to 7 years) HK$350 per page Security Device First distribution Free of charge

Replacement due to malfunction /damage of Security Device

Free of charge Re-issue due to loss of Security Device HK$100 Cross Border Accounts

Enquiry

Set up enquiry function/ Set up authorization for enquiry

HK$200 per account

CHATS CHATS Outward (HKD) HK$180 per transaction

(Counter Transaction) CHATS Outward (USD) US$23 / HK$180 per transaction (Note 4) CHATS Outward (EUR) EUR 17 / HK$180 per transaction

CHATS Outward (RMB) RMB180 / HK$180 per transaction CHATS Outward (HKD) to Shenzhen HK$180 per transaction

CHATS CHATS Outward (HKD) HK$50 per transaction

(Internet Transaction) CHATS Outward (USD) US$6 per transaction CHATS Outward (EUR) EUR5 per transaction CHATS Outward (RMB) RMB50 per transaction

Message Free of charge

Electronic Clearing Transfer (Internet Transaction) (Note 5)

Electronic Clearing Transfer Outward (HKD) HK$5 per transaction Electronic Clearing Transfer Outward (RMB) RMB5 per transaction BOCOM Account (Mainland)

(Online Instant Transfer)

Transfer to saving account(s) of “Pacific Debit Card” of Bank of Communications in Mainland China (HKD)

HK$ 100 per transaction Transfer to saving account(s) of “Pacific Debit Card” of

Bank of Communications in Mainland China (USD)

(4)

Effective Date: 7 Dec 2015

Remittance Services

Services

Item

Charges

Outward Remittances

Telegraphic Transfer

Send out Bank Customers Remit to our Branches in Mainland China (include Fast Transfer)

HK$150 per request Remit to other Banks or our Overseas

Branches (Note 1)

HK$200 per request Non-Bank Customers (Note 1) HK$280 per request Message (exceed 10 Chinese characters) HK$50 per instruction

Amendment/Enquiry/Refund HK$200 per instruction (plus correspondent bank charges ) Telegraphic Transfer

(Internet transaction)

Internet Foreign Currency / Overseas Bank Transfer (Note 1)

HK$100 per request Enquiry / Cancellation of Internet Foreign Currency /

Overseas Bank Transfer (Note 2)

Free of charge

Message Free of charge

Apply for amendment / enquiry / refund of Internet Foreign Currency / Overseas Bank Transfer over Counter

HK$150 per instruction Standing Instruction submitted by

Overseas Chinese customer through mail

Same as the Outward Remittance charges mentioned above

Postal fee for replying HK$10 per mail

Regular Remittances First time set up Free of charge

(usually upon a fixed Send out HK$30 each time

period) under the “Social Security Schemes” provided by Social Welfare Department

Amendment (exclude information amended by the Social Welfare Department)

HK$20 per amendment

Enquiry Free of charge

Refund HK$150 per instruction

Demand Draft

Issuance Bank Customers Issue to our Branches in Mainland China

HK$50 per draft Issue to other Banks or our Overseas

Branches (Note 3)

HK$80 per draft Non-Bank Customers (Note 3) HK$180 per draft

Refund HK$150 per draft﹙plus correspondent bank charges ﹚

Report Loss / Stop Payment HK$280 per draft (An additional charge to HKAB for Report loss of Demand Draft plus correspondent bank charges ) Confirmation Telex confirmation to Beneficiary Banks HK$100 per item

Confirmation and Enquiry of Remittances by Distance Call to Payment Banks HK$100 per request

Inward Remittances Telegraphic Transfer/ Mail Transfer/ Demand Draft

All information correct Transfer from our Branches in Mainland China to our accounts

Free of charge Transfer from other Banks or our Overseas Branches to

our accounts HK$50 per transaction

Inward Remittance credit A/C with discrepancy handling charges HK$100 per transaction Transfer applied by Beneficiary Transfer the fund to the same beneficiary’s account in

other Banks or our Branches in Mainland China / our Overseas Branches

HK$100 per transcation (plus outward remittance charges)

Transfer the fund to a third party’s account in other Banks or our Branches in Mainland China / our Overseas Branches

HK$200 per transaction (plus outward remittance charges)

Paid in Cash HK$100 per transaction

Paid in Cashier’s order HK$100 per transaction (plus charges if issuance of cashier’s order per transaction )

Enquiry Request to issue Cable for Enquiry HK$100 per instruction

Note 1: Remittance to the Euro Zone / the UK in the amount equal to or less than EUR150 / GBP100, an additional correspondent commission of HK$190 will be charged. If the remit currency is not the local currency of the recipient country or not HKD / USD / EUR, an additional cable fee of HK$100 will be charged.

If you have selected the option for all bank charges to be borne by you (the beneficiary receives full amount), an additional correspondent bank charges of HK$300 equivalent will be charged.

After ascertaining the charges actually charged by our correspondent bank, our Bank will charge for the difference between the actual charges and our Bank’s estimated charges. Note 2: A “Sent” Internet Foreign Currency / Overseas Bank Transfer cannot be cancelled. If you would like to apply for a refund, please visit our branch / sub-branches and bank

charges will be levied for such application for refund.

(5)

Effective Date: 7 Dec 2015

Loan Services

Services

Item

Charges

Application fee (Secured Loans) (Note 1) 0.5% of Loan Limit Amount (Minimum Charge : HK$1,500) Application fee (Unsecured Loans) 0.5% of Loan Limit Amount (Minimum Charge : HK$2,000) Handling Charge Renewal Fee 0.25% of Loan Limit Amount (Minimum Charge : HK$1,000)

Letter of Guarantee Issuance Fee



0.125% of Guarantee Amount (calculated on a monthly basis, rounded to 1 month if less than 1 month)



Minimum Charge for each Guarantee is HK$800 Change of Mortgage Term (e.g. Change of Mortgage Plan, Loan Tenure,

Instalment Due Date, Instalment Amount, Repayment Option, Change of Mortgagor / Guarantor, etc.)

HK$1,000 per item

Mortgage Loan Lease Consent Letter on Charged Property (plus Legal Cost) HK$2,000 per Letter related Fee Handling Fee for Early Redemption (Full / Partial) of Instalment Loan after

Penalty Period

HK$1,000 per Transaction (Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme)

Custody of Non-discharged Deeds after Full Repayment HK$3,000 per year Handling fee for settlement of overdue charges (including rates, rent and

management fee, etc.) imposed on the Bank as mortgagee due to default of the mortgagors

HK$500 per Transaction

Commitment Fee for Overdraft Limit 0.25% p.a. on the Unused Overdraft Limit in case the Usage of the Limit is Lower than 30% (calculated on a daily basis)

Other related Services / Fee

Prepayment Charge



If prepayment is made within the first year from the date of advance, 3% on the amount prepaid or HK$50,000, whichever is higher



If prepayment is made within the second year from the date of advance, 2% on the amount prepaid or HK$30,000, whichever is higher



If prepayment is made within the third year from the date of advance, 1% on the amount prepaid or HK$10,000, whichever is higher

Service fee for assessment of the terms of fire insurance policy issued by an insurance company other than the insurance companies nominated by the Bank

HK$500 per insurance policy

Default Interest Our Best Lending Rate plus 4.25%p.a.

Administration Fee for Late Payment HK$500 per Transaction Reprint of Annual Statement of Instalment Account HK$100 per copy Request for copy by Customer Title Deeds HK$200 per Deed

Other Loan Documents HK$50 per page (additional charge for special cases) Note 1: Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme

(i) Bank of Communications Co., Ltd. Hong Kong Branch (The bank) reserves the right to revise any fees, charges, special offers and other services from time to time. (ii) The bank reserves the right to levy a charge on transactions conducted.

(iii) For charges not listed above, please contact us for details.

(iv) The above charges are subject to change according to newly announced charges.