Effective from 1 August 2012

Chong Hing Card / Credit Card

General Services (All Accounts)

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

Item	Charge
Mailing of Cheque Book Mailing by registered post HKD account USD account RMB account	HK$20 per book US$3 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	HK$150 per cheque US$16 per cheque RMB200 per cheque HK$50 per cheque US$7 per cheque RMB50 per cheque
Closure of Account Within 3 months of the date of its opening HKD account USD account RMB account	HK$200 per account US$25 per account RMB200 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$100 per transaction US$15 per transaction RMB100 per transaction
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 transaction: HK$120 US$15 RMB120 plus overdraft interest at our Bank's (HKD / USD / RMB) Prime Rate + 10% p.a.
RMB Cheque Handling Transfer to settle the shortfall of cheque	1% of the total amount of transfer (minimum RMB120) only applicable to personal RMB current account
Drawing Against Uncollected Fund HKD Cheque USD Cheque	HK$100 US$15
Printing of Special Cheque	At cost and subject to agreement
Printing of Special Pay-in Slip	At cost and subject to agreement

(B) Savings Account (All Currencies)

Item	Charge
Report loss of Passbook	HK$100 per account
Closure of Account Within 3 months from the date of its opening Non-USD account USD account	HK$200 per account US$25 per account

Item

Charge

Report loss of Passbook

HK$100 per account

Closure of Account

Non-USD account
USD account

HK$200 per account
US$25 per account

(C) Safe Deposit Box

Item	Charge
Deposit and annual rental Reissue of 1 key Force open of box and reissue of 2 keys	Please refer to the Safe Deposit Box Service Charges of respective Branch Out-of-pocket expenses plus HK$250 handling fee 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 per card HK$50 per card
Cash withdrawal via non-JETCO ATMs in Hong Kong Cash withdrawal via JETCO and UnionPay 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 per card RMB50 per card
Renminbi withdrawal via UnionPay ATMs in China	RMB15 per transaction
Credit Card Cash advance fee Late payment charge Returned cheque / rejected autopay charge Over limit charge Statement copy retrieval fee Sales slip retrieval fee Credit balance withdrawal by cashier's order Credit balance withdrawal by transfer (to Chong Hing Bank Account only) Replacement card fee	3% on cash amount drawn plus HK$20 (minimum HK$55) 5% on minimum payment (minimum HK$150 & maximum HK$200) HK$120 per item HK$150 per billing cycle HK$50 per set HK$50 per copy 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	Please refer to Chong Hing Credit Card charges table

(E) General Services (All Accounts)

Item	Charge
Inactive Account Charge No debit or credit transaction for 1 year 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 Bank confirmation (for audit purpose) HKD account USD account Request for Credit Information Letter	HK$150 each HK$300 each HK$150 each HK$25 for each additional letter HK$450 each US$58 each HK$300 each
Mark Good Cheque / Remittance Receipt Sent by customer HKD USD RMB Sent by bank HKD USD RMB	HK$100 each US$13 each RMB100 each Plus other bank charges HK$200 each US$26 each RMB200 each Plus other bank charges
Gift Cheque Issuance of gift cheque	HK$10 per cheque (free for Chong Hing Credit Card customers / senior citizens upon card presentation)
Cashier's Order Issuance (Chong Hing Bank customer) HKD USD RMB To report loss HKD USD RMB	HK$50 per item US$7 per item RMB50 per item (50% waiver for Chong Hing Credit Card customers / senior citizens upon card presentation) HK$100 per item US$13 per item RMB100 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 (Chong Hing Bank Limited) HK$100 per item (Other banks) HK$120 per transaction
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 transaction
a HKD account held with another local bank	HK$100 per transaction
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 (Chong Hing Bank customer) HKD USD RMB EUR	HK$180 per item US$22 per item RMB180 per item EUR20 per item
Foreign Currency / RMB Exchange Chong Hing Bank customer Non Chong Hing Bank customer	(Subject to the stock of our Bank) Waived HK$40 per transaction (Each transaction limits to one currency and below HK$10,000 or equivalent)
Deposit of Foreign Currency Cheque Deposit to HKD / same foreign currency account	0.25% of cheque amount (minimum HK$100), plus correspondent bank's charge (if any)
Travelers Cheque Encashment handling charge	HK$60 per transaction
Coins Changing	HK$2 per sachet
RMB Cash Withdrawal (Per account per day)	Withdrawal of up to RMB 30,000 – Free Withdrawal of over RMB30,000 – 0.25% of total withdrawal amount (minimum RMB75)
Bulk Cheque Deposit (Per account per day)	Up to 30 pcs - Free Over 30 pcs - HK$1 per cheque charged on the number of cheque deposit
Bulk Cash Deposit (Per account per day)	deposit up to 300 pcs of notes - Waived deposit over 300 pcs of notes - 0.25% of deposit amount (minimum HK$100)
Bulk Coins Deposit (Per account per day)	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 (must be pre- sorted)
Account History Report (per account per cycle calculate) Within one month from the date of request 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) Reprint of Bank Statement Current Account Statement Savings Account Investment Account Enquiry from Certified Public Accountants or Solicitors on customer account records and information	HK$50 per account HK$300 per account HK$750 per account HK$1,000 per account HK$1,000 per account per additional year HK$50 per copy HK$50 per copy HK$50 per copy HK$450 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

No debit or credit transaction for 1 year 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
Bank confirmation (for audit purpose)
- HKD account
- USD account
Request for Credit Information Letter

HK$150 each
HK$300 each
HK$150 each
HK$25 for each additional letter
- HK$450 each
- US$58 each
HK$300 each

Mark Good Cheque / Remittance Receipt

HK$100 each
US$13 each
RMB100 each

HK$200 each
US$26 each
RMB200 each

Gift Cheque

Issuance of gift cheque

HK$10 per cheque
(free for Chong Hing Credit Card customers / senior citizens upon card presentation)

Cashier's Order

HK$50 per item
US$7 per item
RMB50 per item
(50% waiver for Chong Hing Credit Card
customers / senior citizens upon card
presentation)

HK$100 per item
US$13 per item
RMB100 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 (Chong Hing Bank Limited)
HK$100 per item (Other banks)
HK$120 per transaction

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 transaction

a HKD account held with another local bank

HK$100 per transaction

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

HK$180 per item
US$22 per item
RMB180 per item
EUR20 per item

Foreign Currency / RMB Exchange

Chong Hing Bank customer
Non Chong Hing Bank customer

(Subject to the stock of our Bank)

Waived
HK$40 per transaction
(Each transaction limits to one currency and below HK$10,000 or equivalent)

Deposit of Foreign Currency Cheque

Deposit to HKD / same foreign currency account

0.25% of cheque amount (minimum HK$100), plus correspondent bank's charge (if any)

Travelers Cheque

Encashment handling charge

HK$60 per transaction

Coins Changing

HK$2 per sachet

RMB Cash Withdrawal

(Per account per day)

Withdrawal of up to RMB 30,000 – Free
Withdrawal of over RMB30,000 – 0.25% of total withdrawal amount (minimum RMB75)

Bulk Cheque Deposit

(Per account per day)

Up to 30 pcs - Free
Over 30 pcs - HK$1 per cheque charged on the number of cheque deposit

Bulk Cash Deposit

(Per account per day)

deposit up to 300 pcs of notes - Waived
deposit over 300 pcs of notes - 0.25% of deposit amount (minimum HK$100)

Bulk Coins Deposit

(Per account per day)

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
(must be pre- sorted)

Account History Report

(per account per cycle calculate)

Within one month from the date of request
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)
Reprint of Bank Statement
- Current Account
- Statement Savings Account
- Investment Account
Enquiry from Certified Public Accountants or Solicitors on customer account records and information

HK$50 per account
HK$300 per account
HK$750 per account
HK$1,000 per account
HK$1,000 per account per additional year
- HK$50 per copy
- HK$50 per copy
- HK$50 per copy
HK$450 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 per item)
Using Machine Readable / USB 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 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 (minimum HK$50per item) HK$20 per item
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 / USB 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 per item)

Using Machine Readable / USB 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 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
(minimum HK$50per item)
HK$20 per item

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 / USB instructions)

(G) Inward Remittance

Item	Charge
Telegraphic Transfer For credit into accounts with Chong Hing Bank	Incoming remittance credit to accounts with the Bank, HK$50 per item or equivalent plus correspondent bank’s charges (if applicable). For USD notes account deposit of USD remittance, additional handling charge of 0.2% on the transaction
Inward remittance information unmatched with STP (auto-credit) criteria / bank information	HK$20 per transaction
Collection of Payment Order or Cheque Foreign currency cheque received by Chong Hing Bank and sent for collection	HK$200 each plus drawee / correspondent bank's charges (if any)
Returned Collection Purchased or collection cheques returned by drawee	HK$150 each plus drawee / correspondent bank's charges (if any)

Item

Charge

Telegraphic Transfer

For credit into accounts with Chong Hing Bank

Incoming remittance credit to accounts with the Bank, HK$50 per item or equivalent plus correspondent bank’s charges (if applicable). For USD notes account deposit of USD remittance, additional handling charge of 0.2% on the transaction

Inward remittance information unmatched with STP (auto-credit) criteria / bank information

HK$20 per transaction

Collection of Payment Order or Cheque

Foreign currency cheque received by Chong Hing Bank and sent for collection

HK$200 each plus drawee / correspondent bank's charges (if any)

Returned Collection

Purchased or collection cheques returned by drawee

HK$150 each plus drawee / correspondent bank's charges (if any)

(H) Outward Remittance

Item	Charge
Telegraphic Transfer / Demand Draft Handling charge (Chong Hing Bank Customer) Cable charge Enquiry / amendment / cancellation / report loss handling charges	Telegraphic Transfer: HK$100 per item for Chong Hing Bank Customer Demand Draft: HK$80 per item for Chong Hing Bank Customer Plus correspondent bank´s charges (if applicable) HK$100 per cable HK$250 per item plus drawee / correspondent bank's charges (if any)
Telegraphic Transfer with Chinese Characters	Additional HK$100 per item

Item

Charge

Telegraphic Transfer / Demand Draft

Handling charge (Chong Hing Bank Customer)

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

Telegraphic Transfer: HK$100 per item for Chong Hing Bank Customer
Demand Draft: HK$80 per item for Chong Hing Bank Customer
Plus correspondent bank´s charges (if applicable)
HK$100 per cable
HK$250 per item plus drawee / correspondent bank's charges (if any)

Telegraphic Transfer with Chinese Characters

Additional HK$100 per item

(I) Banking Facilities

Item	Charge
Copy of loan documents 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	HK$500 per item. For fees and payments not reimbursed, our Bank will charge interest according to the interest rate charged under unauthorized overdraft
Title Deeds Management Fee (Upon facility cancellation)	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)

Mailing of Cheque Book

Returned Cheque

Closure of Account

Stop Cheque Payment Instruction

Unauthorized Overdraft

RMB Cheque Handling

Drawing Against Uncollected Fund

Printing of Special Cheque

Printing of Special Pay-in Slip

(B) Savings Account (All Currencies)

Report loss of Passbook

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

Foreign Currency / RMB Exchange

Deposit of Foreign Currency Cheque

Travelers Cheque

Coins Changing

RMB Cash Withdrawal

Bulk Cheque Deposit

Bulk Cash Deposit

Bulk Coins 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 / USB 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

(I) Banking Facilities

(J) Investment

Fund

Bond