Effective from 1 July 2009

Chong Hing Card / Credit Card

General Services (All Accounts)

(A) Current Account (HKD, USD & RMB)

Item	Charge
Cheque Book Mailing by registered post HKD account USD account RMB account	HK$20 per book HK$20 per book RMB20 per book
Returned Cheque Due to insufficient fund HKD account USD account RMB account Due to other technical error HKD account USD account RMB account	Handling fee per cheque: HK$150 US$16 RMB200 Handling fee per cheque: HK$50 US$7 RMB50
Closure of Account Within 3 months of the date of its opening HKD account USD account RMB account	HK$150 per account US$20 per account RMB100 per account
Stop Cheque Payment Instruction To stop payment on each cheque or a series of cheques in sequential order issued by the account holder (no refund is made if the cheque has already been cleared)
HKD account USD account RMB account	HK$80 per account US$15 per account RMB80 per account
Unauthorized Overdraft If an account has no overdraft facility or if an overdraft exceeds its authorized limit HKD account USD account RMB account	Handling charge per time: HK$100 (plus overdraft interest at our Bank's HKD Prime Rate + 10% p.a.) US$15 (plus overdraft interest at our Bank's USD Prime Rate + 10% p.a.) RMB120
Drawing Against Uncollected Fund	HK$100
Request for Reprint of Bank Statement Request for Reprint of Bank Statement HKD account USD account RMB account	Per set per cycle: HK$50 US$7 RMB50
Printing of Special Cheque Printing of Special Cheque	At cost
Printing of Special Pay-in Slip Printing of Special Pay-in Slip	At cost

Item

Charge

Cheque Book

HKD account
USD account
RMB account

HK$20 per book
HK$20 per book
RMB20 per book

Returned Cheque

HKD account
USD account
RMB account

HKD account
USD account
RMB account

HK$150
US$16
RMB200

HK$50
US$7
RMB50

Closure of Account

HKD account
USD account
RMB account

HK$150 per account
US$20 per account
RMB100 per account

Stop Cheque Payment Instruction

To stop payment on each cheque or a series of cheques in sequential order issued by the account holder (no refund is made if the cheque has already been cleared)

HKD account
USD account
RMB account

HK$80 per account
US$15 per account
RMB80 per account

Unauthorized Overdraft

HKD account
USD account
RMB account

HK$100 (plus overdraft interest at our Bank's HKD Prime Rate + 10% p.a.)
US$15 (plus overdraft interest at our Bank's USD Prime Rate + 10% p.a.)
RMB120

Drawing Against Uncollected Fund

HK$100

Request for Reprint of Bank Statement

HKD account
USD account
RMB account

HK$50
US$7
RMB50

Printing of Special Cheque

Printing of Special Cheque

At cost

Printing of Special Pay-in Slip

Printing of Special Pay-in Slip

At cost

(B) Savings Account (All Currencies)

Item	Charge
Passbook Replacement Passbook Replacement	HK$50 per account
Closure of Account Within 3 months from the date of its opening Non-USD account USD account	HK$150 per account US$20 per account

Item

Charge

Passbook Replacement

Passbook Replacement

HK$50 per account

Closure of Account

Non-USD account
USD account

HK$150 per account
US$20 per account

(C) Safe Deposit Box

Item	Charge
Deposit and annual rental Reissue of 1 key	Please refer to the Safe Deposit Box Service Charges of respective Branch Out-of-pocket expenses plus HK$250 handling fee
Force open of box and reissue of 2 keys	Out-of-pocket expenses plus HK$500 handling fee

(D) Chong Hing Card / Credit Card

Item	Charge
Chong Hing Card Annual fee Replacement due to damage or loss of Chong Hing Card	HK$50 HK$50 per card
Cash withdrawal via non-JETCO ATMs in Hong Kong Cash withdrawal via JETCO and CUP ATMs outside Hong Kong	HK$25 per transaction HK$25 per transaction
Chong Hing Card (RMB) Annual fee Replacement due to damage or loss of Chong Hing Card (RMB)	RMB50 RMB50 per card
Renminbi withdrawal via CUP ATMs in China	RMB15 per transaction
Credit Card Cash advance fee	3% on cash amount drawn plus HK$20 (minimum HK$55)
Late payment charge Returned cheque / rejected autopay charge Over limit charge Statement copy retrieval fee Sales slip retrieval fee HKD CHATS repayment fee Credit balance withdrawal by cashier's order Credit balance withdrawal by transfer (to Chong Hing Bank Account only) Replacement card fee	5% on minimum payment (minimum HK$130 & maximum HK$200) HK$120 per item HK$150 per time HK$50 per set HK$50 per copy HK$10 per time HK$50 per cashier's order HK$50 per time HK$100 per card
Credit Card Annual Fee Platinum Card (Principal) Platinum Card (Supplementary) Titanium Card / Gold Card (Principal) Titanium Card / Gold Card (Supplementary) Standard Card (Principal) Standard Card (Supplementary)	HK$800 per card HK$400 per card HK$480 per card HK$240 per card HK$220 per card HK$110 per card
Other Credit Card Charges Other Credit Card Charges	Please refer to Chong Hing Credit Card charges table

Item

Charge

Chong Hing Card

Annual fee
Replacement due to damage or loss of Chong Hing Card

HK$50
HK$50 per card

Cash withdrawal via non-JETCO ATMs in Hong Kong
Cash withdrawal via JETCO and CUP ATMs outside Hong Kong

HK$25 per transaction
HK$25 per transaction

Chong Hing Card (RMB)

Annual fee
Replacement due to damage or loss of Chong Hing Card (RMB)

RMB50
RMB50 per card

Renminbi withdrawal via CUP ATMs in China

RMB15 per transaction

Credit Card

Cash advance fee

3% on cash amount drawn plus HK$20 (minimum HK$55)

Late payment charge

Returned cheque / rejected autopay charge
Over limit charge
Statement copy retrieval fee
Sales slip retrieval fee
HKD CHATS repayment fee
Credit balance withdrawal by cashier's order
Credit balance withdrawal by transfer
(to Chong Hing Bank Account only)
Replacement card fee

5% on minimum payment
(minimum HK$130 & maximum HK$200)
HK$120 per item
HK$150 per time
HK$50 per set
HK$50 per copy
HK$10 per time
HK$50 per cashier's order
HK$50 per time

HK$100 per card

Credit Card Annual Fee

Platinum Card (Principal)
Platinum Card (Supplementary)
Titanium Card / Gold Card (Principal)
Titanium Card / Gold Card (Supplementary)
Standard Card (Principal)
Standard Card (Supplementary)

HK$800 per card
HK$400 per card
HK$480 per card
HK$240 per card
HK$220 per card
HK$110 per card

Other Credit Card Charges

Other Credit Card Charges

Please refer to Chong Hing Credit Card charges table

(E) General Services (All Accounts)

Item	Charge
Inactive Account Charge Inactive for 2 years and balance below HK$2,000 (account with zero balance will be closed)	HK$100 half yearly
Issuance of Letters Banker's endorsement on customer's signature Bank reference letter Certificate of balance If several letters are issued simultaneously, each additional letter Bank confirmation (for audit purpose) Request for Credit Information Letter	HK$150 each HK$300 each HK$150 each HK$20 HK$400 / US$52 each HK$300 each
Mark Good Cheque / Remittance Receipt Sent by customer Sent by bank	HK$100 each / US$13 each plus other bank charges HK$200 each / US$26 each plus other bank charges
Gift Cheque Issuance of gift cheque	HK$10 per cheque (free for Chong Hing Credit Card customers / senior citizens, with Chong Hing Credit Cards / senior citizen cards presented)
Cashier's Order Issuance Chong Hing Bank customer HKD USD Non-Chong Hing Bank customer HKD USD To report loss and to request stop-payment HKD USD	HK$50 per item US$7 per item (half for Chong Hing Credit Card customers, with Chong Hing Credit Cards presented) HK$100 per item US$13 per item HK$100 per item US$13 per item (plus handling fee according to the fee schedule issued by the Hong Kong Interbank Clearing Limited)
Company Registration Search Non-company registration search Company registration search Subsidiary (Limited Company) Company registration search Business registration search Handling charge of opening account for overseas company	HK$150 per search HK$150 per search HK$150 per search HK$150 per search HK$2,000 per account
Standing Instruction To set up or amend an instruction Returned item due to insufficient fund	HK$70 per item HK$120 per time
Each Non-computerized Payment or Each Special Payment Request to: a Chong Hing Bank account (other than the customer's own account)	HK$70 per time
a HKD account held with another local bank	HK$100 per time
Direct Debit Authorization To set up or amend an instruction	HK$50 per item
Electronic Clearing Returned Item Due to insufficient fund Due to other reasons	HK$120 per item HK$30 per item
CHATS Remittance to other local banks (our customers)	HK$150 / US$20 per item
Deposit of Foreign Currency Cheque HKD account Same foreign currency account	HK$60 per cheque 0.25% of cheque amount (minimum HK$50)
Travelers Cheque Encashment handling charge	HK$60 per time
Coins Changing	HK$2 per sachet
RMB Cash Withdrawal	Withdrawal of up to RMB 30,000 per account per day - Free Withdrawal of over RMB 30,000 per account per day - 0.25% of total withdrawal amount (minimum HK$50)
Bulk Cheque Deposit	Up to 30 pcs per day per account - Free Over 30 pcs per day per account - HK$1 per cheque charged on the number of cheque deposit in excess of 30 pcs
Large Cash Deposit	Per account per day: deposit for more than 300 bank notes. Charge at HK$0.5 per note (minimum HK$100) Bulk coins deposit (must be pre-sorted): HK$2 per sachet or part thereof HK$10 coins: 50 pcs / sachet, HK$5 coins: 40 pcs / sachet, HK$2 coins: 50 pcs / sachet, HK$1, 50 cents, 20 cents and 10 cents coins: 100 pcs / sachet
Account History Report Passbook Savings and Fixed Deposit Account Within 1 year from the date of request Within 2 years from the date of request Within 3 years from the date of request Beyond 3 years from the date of request (up to 7 years)	HK$300 per account HK$750 per account HK$1,000 per account HK$1,000 per account per additional year
Reprint of Bank Statement Current Account Statement Savings Account Enquiry from Certified Public Accountants or Solicitors on customer account records and information	HK$50 per copy HK$50 per copy HK$400 per request
Photocopying of Documents Copies of paid cheques, vouchers and filing documents Within 1 year from the date of request Exceeding 1 year from the date of request Copies of image of paid cheques	HK$50 per page HK$60 per page HK$150 per page
Request for Personal Data Request for personal data summary	HK$300 per request
Premature Uplifting of Fixed Deposit	Subject to the Bank's discretion

Item

Charge

Inactive Account Charge

Inactive for 2 years and balance below HK$2,000 (account with zero balance will be closed)

HK$100 half yearly

Issuance of Letters

Banker's endorsement on customer's signature
Bank reference letter
Certificate of balance
If several letters are issued simultaneously, each additional letter
Bank confirmation (for audit purpose)
Request for Credit Information Letter

HK$150 each
HK$300 each
HK$150 each
HK$20
HK$400 / US$52 each
HK$300 each

Mark Good Cheque / Remittance Receipt

Sent by customer

Sent by bank

HK$100 each / US$13 each
plus other bank charges
HK$200 each / US$26 each
plus other bank charges

Gift Cheque

Issuance of gift cheque

HK$10 per cheque (free for Chong Hing Credit Card customers / senior citizens, with Chong Hing Credit Cards / senior citizen cards presented)

Cashier's Order

HK$50 per item
US$7 per item
(half for Chong Hing Credit Card customers, with Chong Hing Credit Cards presented)

HK$100 per item
US$13 per item

HK$100 per item
US$13 per item
(plus handling fee according to the fee schedule issued by the Hong Kong Interbank Clearing Limited)

Company Registration Search

Non-company registration search
Company registration search

Company registration search
Business registration search
Handling charge of opening account for overseas company

HK$150 per search
HK$150 per search

HK$150 per search
HK$150 per search
HK$2,000 per account

Standing Instruction

To set up or amend an instruction
Returned item due to insufficient fund

HK$70 per item
HK$120 per time

Each Non-computerized Payment or Each Special Payment Request to:

a Chong Hing Bank account (other than the customer's own account)

HK$70 per time

a HKD account held with another local bank

HK$100 per time

Direct Debit Authorization

To set up or amend an instruction

HK$50 per item

Electronic Clearing Returned Item

Due to insufficient fund
Due to other reasons

HK$120 per item
HK$30 per item

CHATS

Remittance to other local banks (our customers)

HK$150 / US$20 per item

Deposit of Foreign Currency Cheque

HKD account
Same foreign currency account

HK$60 per cheque
0.25% of cheque amount (minimum HK$50)

Travelers Cheque

Encashment handling charge

HK$60 per time

Coins Changing

HK$2 per sachet

RMB Cash Withdrawal

Withdrawal of up to RMB 30,000 per account per day - Free
Withdrawal of over RMB 30,000 per account per day - 0.25% of total withdrawal amount (minimum HK$50)

Bulk Cheque Deposit

Up to 30 pcs per day per account - Free

Over 30 pcs per day per account - HK$1 per cheque charged on the number of cheque deposit in excess of 30 pcs

Large Cash Deposit

Per account per day: deposit for more than 300 bank notes. Charge at HK$0.5 per note (minimum HK$100)
Bulk coins deposit (must be pre-sorted): HK$2 per sachet or part thereof
HK$10 coins: 50 pcs / sachet,
HK$5 coins: 40 pcs / sachet,
HK$2 coins: 50 pcs / sachet,
HK$1, 50 cents, 20 cents and 10 cents coins: 100 pcs / sachet

Account History Report

Within 1 year from the date of request
Within 2 years from the date of request
Within 3 years from the date of request
Beyond 3 years from the date of request (up to 7 years)

HK$300 per account
HK$750 per account
HK$1,000 per account
HK$1,000 per account per additional year

Current Account
Statement Savings Account
Enquiry from Certified Public Accountants or Solicitors on customer account records and information

HK$50 per copy
HK$50 per copy
HK$400 per request

Photocopying of Documents

Within 1 year from the date of request
Exceeding 1 year from the date of request
Copies of image of paid cheques

HK$50 per page
HK$60 per page
HK$150 per page

Request for Personal Data

Request for personal data summary

HK$300 per request

Premature Uplifting of Fixed Deposit

Subject to the Bank's discretion

(F) Autofund transfer

Item	Charge
Using Paper List Instructions Set-up fee To Chong Hing Bank account To other banks' account	HK$200 per item HK$2 per item HK$3 per item (minimum HK$100)
Using Machine Readable Instructions Installation fee To Chong Hing Bank account To other banks' account PayEasy MPF Contribution	HK$200 per item HK$1 per item HK$2 per item (minimum HK$50) HK$20 per item
eMPF Services - Payroll To Chong Hing Bank account To other banks' account eMPF Contribution	HK$1 per item HK$2 per item (minimum HK$50) HK$20 per item
Special Administration Fee Special Administration Fee	HK$200 per instruction - Customer submits the autofund transfer instruction to the Bank after the cut-off time at 13:00 on the clearing day prior to the value day (Applicable to paper list and machine readable instructions)

Item

Charge

Using Paper List Instructions

Set-up fee
To Chong Hing Bank account
To other banks' account

HK$200 per item
HK$2 per item
HK$3 per item
(minimum HK$100)

Using Machine Readable Instructions

Installation fee
To Chong Hing Bank account
To other banks' account

PayEasy MPF Contribution

HK$200 per item
HK$1 per item
HK$2 per item

HK$20 per item

eMPF Services - Payroll

To Chong Hing Bank account
To other banks' account

eMPF Contribution

HK$1 per item
HK$2 per item

HK$20 per item

Special Administration Fee

Special Administration Fee

HK$200 per instruction
- Customer submits the autofund transfer instruction to the Bank after the cut-off time at 13:00 on the clearing day prior to the value day (Applicable to paper list and machine readable instructions)

(G) Inward Remittance

Item	Charge
Telegraphic Transfer For credit into accounts with Chong Hing Bank	By Telegraphic Transfer, HK$50 per item or equivalent plus correspondent bank's charges (if any); by Real Time Gross Settlement (RTGS), HK$30 per item or equivalent For USD notes account deposit of US$ remittance, additional handling charge of 0.2% on the transaction
For credit into accounts with other banks in HK To be paid by HK dollar notes	HK$200 plus correspondent bank's charges (if any) HK$150
To be paid by cashier's order	HK$100 plus charge of cashier's order-please refer to part (E)
To be paid in same foreign currency of remittance by payment order	HK$200
To be paid in same foreign currency of remittance by cash	Commission at 0.25% (minimum HK$100)
To be remitted to collector in same foreign currency To be remitted to other countries at beneficiaries' request	HK$150 plus cable charge of outward remittance - please refer to part (H) HK$100 plus commission at 0.25% (minimum HK$200, maximum HK$1,000)
Collection of Payment Order or Cheque Foreign currency cheque received by Chong Hing Bank and sent for collection	HK$200 plus drawee / correspondent bank's charges(if any)
Returned Collection Purchased or collection cheques returned by drawee banks	HK$150 plus drawee / correspondent bank's charges(if any)

(H) Outward Remittance

Item	Charge
Telegraphic Transfer / Demand Draft Handling charge Cable charge Enquiry / amendment / cancellation / report loss handling charges	HK$70 per item HK$100 per cable HK$250 per item plus drawee / correspondent bank's charges (if any)
Telegraphic Transfer with Chinese Characters	HK$50

Item

Charge

Telegraphic Transfer / Demand Draft

Handling charge
Cable charge
Enquiry / amendment / cancellation / report loss handling charges

HK$70 per item
HK$100 per cable
HK$250 per item plus drawee / correspondent bank's charges (if any)

Telegraphic Transfer with Chinese Characters

HK$50

(I) Loans

Item	Charge
Mortgage Services Copy of assignment or mortgage deed Reissue of repayment schedule (applicable to payments not yet due)	HK$10 per page (minimum HK$200) HK$100 per loan account
Reissue of repayment history record Change of facility terms Application for letter of tenancy consent Handling fee for partial / full prepayment Late Payment Charge and Default Interest	HK$100 per loan account per financial year HK$1,000 per loan account HK$500 per request HK$1,000 per loan account Late Payment Charge at HK$100 per installment plus Default Interest calculated at 10% p.a. above relevant Contract Rate
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 Title Deeds Management Fee (Upon facility cancellation)	HK$500 per item. For fees and payments not reimbursed, our Bank will charge interest according to the interest rate charged under unauthorized overdraft HK$2,000 per annum (per piece of collateral). For unpaid management fee, our Bank will charge interest according to the interest rate charged under unauthorized overdraft

(J) Investment

Item	Charge
Fund Subscription fee	In accordance with the fees stated in the Explanatory Memorandum or Prospectus of individual fund
Redemption fee	In accordance with the fees stated in the Explanatory Memorandum or Prospectus of individual fund
Switching fee	In accordance with the fees stated in the Explanatory Memorandum or Prospectus, minimum 1% of the switching amount
Bond Purchase / Sell Transaction	For subscription amount below US$100,000: 0.75% of debt securities' face value for each transaction For subscription amount of US$100,000 or above: 0.5% of debt securities' face value for each transaction [The subscription fees for other debt securities (such as notes and certificates of deposit) will vary according to each issue]
Safe Custody	0.05% of debt securities' face value per year applies to account holding Perpetual Bond

Notes: This "Bank Service Charges" list is not exhaustive and customers are requested to contact your marketing officer or Branches for details. The Bank reserves the right to change the above charges from time to time.

(A) Current Account (HKD, USD & RMB)

Cheque Book

Returned Cheque

Closure of Account

Stop Cheque Payment Instruction

Unauthorized Overdraft

Drawing Against Uncollected Fund

Request for Reprint of Bank Statement

Printing of Special Cheque

Printing of Special Pay-in Slip

(B) Savings Account (All Currencies)

Passbook Replacement

Closure of Account

(C) Safe Deposit Box

(D) Chong Hing Card / Credit Card

Chong Hing Card

Chong Hing Card (RMB)

Credit Card

Credit Card Annual Fee

Other Credit Card Charges

(E) General Services (All Accounts)

Inactive Account Charge

Issuance of Letters

Mark Good Cheque / Remittance Receipt

Gift Cheque

Cashier's Order

Company Registration Search

Standing Instruction

Each Non-computerized Payment or Each Special Payment Request to:

Direct Debit Authorization

Electronic Clearing Returned Item

CHATS

Deposit of Foreign Currency Cheque

Travelers Cheque

Coins Changing

RMB Cash Withdrawal

Bulk Cheque Deposit

Large Cash Deposit

Account History Report

Photocopying of Documents

Request for Personal Data

Premature Uplifting of Fixed Deposit

(F) Autofund transfer

Using Paper List Instructions

Using Machine Readable Instructions

eMPF Services - Payroll

Special Administration Fee

(G) Inward Remittance

Telegraphic Transfer

Collection of Payment Order or Cheque

Returned Collection

(H) Outward Remittance

Telegraphic Transfer / Demand Draft

Telegraphic Transfer with Chinese Characters

(I) Loans

Mortgage Services

(J) Investment

Fund

Bond