Tariff of Accounts and Services for Personal Customers

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1 Tariff of Accounts and Services for Personal Customers Enquiry Hotline: Issued by HSBC Bank (China) Company Limited

2 This tariff (as may be amended or supplemented from time to time) applies to services provided by the Mainland China branches of the Bank to their personal customers. This HSBC Premier tariff (as may be amended or supplemented from time to time) applies to services provided by the Mainland China branches of the Bank to their HSBC Premier customers. This tariff comes into effect as from 1 Jan The charges accounts, services and other terms in this tariff may be adjusted from time to time at the Bank s discretion or according to laws and regulations and/or directives as given by the local authorities, and the Bank shall not be liable for not notifying the customers of such adjustments caused by any change in regulatory requirements. The charges shown in this tariff do not include charges collected by other institutions (including, without limitation, any other HSBC Group members, whether situated within or outside China or any agent banks) or duties, levies, charges or taxes imposed by the Government. Where applicable, these charges, duties, changes, levies or taxes should be paid at the rate laid down by such other institutions or the relevant authorities. This tariff (as may be amended or supplemented from time to time) is for the customers information only, and the Bank shall not be liable for its completeness and consistency with regulatory requirements. Nothing in this tariff shall restrict the Bank s rights under any other terms and conditions applicable to the relevant accounts. Unless otherwise stipulated, the charges shown in this tariff will be calculated and collected in Chinese Yuan. If payments are made in a different currency from the prescribed currency, the equivalent in such other currency will be calculated at an exchange rate quoted by the Bank at the time of payment. All the Bank s tariffs and related terms applicable to personal customers shall apply to HSBC Premier customers, to the extent as not contravening with HSBC Premier tariff or any other terms particularly applicable to HSBC Premier service. Despite any deviant or contrary provisions elsewhere, the Bank may at its sole discretion offer or withdraw any or all HSBC Premier service, and/or cancel the HSBC Premier status, with regard to the customer whose Total Relationship Balance falls below the minimum amount applicable to HSBC Premier Customers as determined by the Bank from time to time. Notwithstanding anything deviant or to the contrary, the Bank may, under certain circumstances, offer discount on the basis of standard pricing at the Bank s sole discretion. HSBC Premier Eight Tips to save you money 1. Online Transfer between Self-named accounts HSBC Premier customers enjoy free% Online transfer between selfnamed accounts within HSBC Group. 2. Assistance in Overseas HSBC account opening We provide free assistance in Overseas HSBC account opening for Premier customers who meet eligibility requirements. 3. Account services Premier customers enjoy a series of free Account services, like Additional Statement, Group Document Delivery, Replacement of Personal Internet Banking Security Device, etc. 4. Cross Branch services Premier customers enjoy free Cross Branch Cash services between branches / sub-branches within HSBC mainland China. 5. Bill/Travelers Cheque Collection Bill/Travelers Cheque Collection for USD5,000 or above (per bill/time) is free to Premier customers. 6. Overseas Inward Remittance Inward Telegraphic Transfer paid to HSBC Account is free to Premier customers. 7. Instant Telegraphic Transfer Premier customers can enjoy free Instant Telegraphic Transfer for initial deposit after account opening and 50% discount thereafter. 8. Foreign Currency funds transfer from Notes Account to Exchange Account Premier customers can enjoy free Foreign Currency funds transfer from Notes Account to Exchange Account. Please refer to HSBC Premier Tariff section for more charge waivers and preferential rates. % Free means that HSBC China waives the local handling charge which should be charged by HSBC China for the Online Telegraphic Transfer via Personal Internet Banking between Selfnamed Accounts within HSBC Group.

3 Disclaimer: 1. Assistance in Overseas HSBC Account Opening is currently available by HSBC or its branches in mainland China, Hong Kong, Taiwan, UK, USA, Canada, France, Singapore, Australia, UAE(Dubai), India, Jersey, Greece, Mexico, South Korea, Malaysia, etc., and we will extend it to more countries and territories in the future. Applicants must meet the eligibility requirements for the accounts requested and are subject to local regulatory requirement. Once HSBC s mainland China branches cancel HSBC Premier services to a customer, Premier International Services provided by HSBC and all its branches to the customer and the benefits and preferential treatments in respect thereof will forthwith terminate without further notice. 2. HSBC Premier customers can enjoy the preferential tariff provided that: (1) The last month s Total Relationship Balance is not below the Minimum Total Relationship Balance requirement; (2) Or, the Monthly Service Fee has been fully paid. International Premier Customers with HSBC mainland China as the Host Country bank are not ruled by the above conditions. Total Relationship Balance means combined monthly average balance maintained under one Premier Customer Number with HSBC mainland China branches. The Premier Eligibility Criteria of Minimum Total Relationship Balance is subject to change at the Bank s discretion from time to time. TARIFF OF ACCOUNTS A Monthly Service Fee of CNY150 (or its equivalent in any other currency) will be charged every month if the combined average daily balances of all the accounts under the same customer number fall below CNY100,000 or equivalent in the previous month. For customers with home loan with the Bank, the Monthly Service Fee will be waived when the outstanding home loan balance is over a certain threshold. For further details, please contact our branches. An Unclaimed Account Fee of CNY165 (or its equivalent in any other currency) will be charged semi-annually if any foreign currency demand deposit account has no manual debit transaction in the previous 24 consecutive months. The Bank reserves the right to close any account with a zero balance for 2 consecutive months. Demand Deposit Foreign Currency Demand Deposit Multicurrency Savings Account Available Currencies Exchange Account: USD, HKD, JPY, EUR, AUD, CAD, GBP, SGD Notes Account: USD, HKD, JPY, EUR (Subject to the compliance of local laws and regulations, the Bank may include additional currency options to Notes Account services. For exact foreign currency notes availability, please check with your nearest local branch) Account Closed Within 3 Months CNY410 / equivalent CNY Demand Deposit CNY Statement CNY Settlement CNY Current Savings Account Account Account Minimum Balance CNY1 CNY1 CNY5,000 Only CNY cash deposit and withdrawal transactions are allowed for CNY Statement Savings Account.

4 Call Deposit Foreign Currency Call Deposit Available Notice Periods Available Currencies Minimum Deposit Amount 7 days Exchange Account: USD, HKD, JPY, EUR, AUD, CAD, GBP, SGD Notes Account: USD, HKD, JPY, EUR (Subject to the compliance of local laws and regulations, the Bank may include additional currency options to Notes Account services. For exact foreign currency notes availability, please check with your nearest local branch) CNY50,000 / equivalent Minimum Withdrawal Amount CNY50,000 / equivalent (When partial withdrawal is made, the remaining balance after the withdrawal should not be less than CNY50,000 / equivalent) TARIFF OF SERVICES CNY services are available in branches which are permitted to provide CNY business. Account Services Additional Statement Forward HSBC Group Correspondence Audit Confirmation Bank Reference Letter Certificate of Balance Issue Certificate of Deposit CNY50 / equivalent per statement Courier: CNY150 / equivalent Registered Mail: CNY50 / equivalent CNY200 / equivalent CNY200 / equivalent CNY Call Deposit Available Notice Periods Minimum Deposit Amount 1 day, 7 days CNY50,000 Copies of Statement, Voucher & Paid Cheque Within 3 months: CNY50 / equivalent per copy Over 3 months: per copy Max. CNY1,000 / equivalent Minimum Withdrawal Amount CNY50,000 (When partial withdrawal is made, the remaining balance after the withdrawal should not be less than CNY50,000 / equivalent) Time Deposit Foreign Currency Time Deposit Available Currencies Minimum Balance Available Deposit Periods CNY Time Deposit Minimum Balance Available Deposit Periods Exchange Account: USD, HKD, JPY, EUR, AUD, CAD, GBP, SGD Notes Account: USD, HKD, JPY, EUR (Subject to the compliance of local laws and regulations, the Bank may include additional currency options to Notes Account services. For exact foreign currency notes availability, please check with your nearest local branch) USD2,000 / equivalent 1 month, 3 months, 6 months, 1 year and 2 years CNY50 3 months, 6 months, 1 year, 2 years, 3 years and 5 years Customer Statement via SWIFT Message Facsimile Signature Witness / Certify True Copy Standing Instruction Establishment, Amendment or Suppression Overseas HSBC Account Opening Global Emergency Encashment Service Free Replacement of Security Device for Personal Internet Banking due to loss or negligence Foreign Currency funds transfer from 1% Notes Account to Exchange Account CNY800 / equivalent per month Up to 5 pages within Mainland China: CNY50 / equivalent Up to 2 pages outside Mainland China: Each additional page (any country) CNY50 / equivalent HSBC Group Documents: Non-HSBC Group Documents: CNY350 / equivalent* *Plus courier / registered mail fee CNY200 / equivalent CNY2,000 / equivalent

5 Cash Services Cash Withdrawal Currencies Available CNY Cash Withdrawal CNY, USD, HKD, JPY, EUR (For exact foreign currency cash availability, please check with your nearest local branch) Free Foreign Currency Notes 0.25% - 0.4%* Withdrawal Commission Min. CNY40 / equivalent *Withdrawal Commission is subject to discretion of local branches CNY and foreign currency notes withdrawal is subject to the regulations of the relevant authorities. Notes withdrawals are subject to two working days advance notice to the Bank and cash availability. For note withdrawals from account of different currency, note buy/sell board rates against CNY will apply. Cash Exchange Currencies Available Foreign Currency Notes Exchange by HSBC customers USD, HKD, JPY, EUR (For exact foreign currency cash availability, please check with your nearest local branch) Free Foreign currency notes exchange is subject to regulations of relevant local authorities. HSBC customers refer to those customers holding accounts with HSBC Group offices., evidenced by the presentation of a self-named HSBC card, statement, passbook or cheque book and etc. Credit Card Cash Advance Cash Advance Commission Over Counter: 3% Over ATM: Subject to the issuing bank Charges other than cash advance commission are subject to the card issuing bank. Cross Branch Services CNY Cash Withdrawal / CNY Cash Deposit Available to HSBC Premier Customers ONLY. Please refer to HSBC PremierTariff. Foreign Currency Notes Withdrawal 0.25% - 0.4%* Min. CNY40 / equivalent Plus Cross Branch Service Charge CNY100 *Withdrawal Commission is subject to discretion of local branches Foreign Currency Cash Deposit Cross Branch Service Charge CNY100 Cheque Services CNY Cheques Cheque book Cheque Report Loss Overseas Remittances Outward Remittances Telegraphic Transfer CNY30 per cheque book 0.1% Min. CNY5 per cheque Telegraphic Transfer Issuance 0.1% Min. Max. CNY500 / equivalent Plus Cable Charge Cable Charges Additional Cable Messages Additional commission on remittance 1% from foreign currency notes accounts Amendment or Cancellation CNY120 / equivalent per cable per page Each additional cable: CNY40 / equivalent If the remitter would like to ensure the beneficiary receive full payment of the USD remittance proceeds (Pay Exact), CNY200 will be collected from the remitter to cover the overseas bank charge and handling fee for this special arrangement. In case of any shortfall in overseas bank charge, the outstanding part will be collected from the remitter. Demand Draft Demand draft Issuance 0.1% Min. Max. CNY300 / equivalent Cancellation Report Lost/Stop Payment Additional commission on remittance 1% from foreign currency notes accounts Without cable issuance: CNY120 / equivalent With cable issuance: Each additional cable: CNY40 / equivalent Each additional cable: CNY40 / equivalent Additional Statement Certificate of Balance CNY50 / equivalent per statement The cross branch withdrawal and deposit is limited to demand deposit accounts.

6 Inward Remittances Inward Remittance from Overseas Travelers Cheques Sales Commission 1% Min. CNY 30 / equivalent Proceeds paid in CNY cash / paid to HSBC Account CNY55 / equivalent Encashment of American Express travelers cheque Proceeds transferred to other local/ 0.125% overseas bank Min. CNY200 / equivalent Max. CNY600 / equivalent Plus cable charge if applicable Proceeds paid in foreign currency notes 0.625% to customers without an account with Min. CNY165 / equivalent HSBC China Bill Collection (excluding Travelers Cheques) Issued by HSBC or Group members - Payment in CNY Free - Payment in Foreign Currency Free Issued by other banks - Payment in CNY CNY 150 / equivalent - Payment in Foreign Currency 0.625% Min. CNY165 / equivalent Collection of travelers cheque CNY300 / equivalent Plus relevant correspondent bank charges The proceeds will be deposited into Notes Account after collection. Bill Collections Overseas: CNY300 / equivalent Out-station: CNY200 / equivalent In-station: CNY80 / equivalent Plus relevant correspondent bank charge (For HKD cheques from Hong Kong collected at Shenzhen Branch, 0.1% commission on cheque amount will be charged, with Min. CNY20 / equivalent and Max. CNY1,000 / equivalent) Travelers cheques are accepted for encashment at the Bank s discretion. Remittances Enquiry / Investigation Remittance Enquiry / Investigation via Cable Each additional cable: CNY40 / equivalent Inward cheques are accepted for collection at the Bank s discretion. Instant Telegraphic Transfer (charges include both of the following) Charges collected by HSBC China CNY250 / equivalent Charges collected by HSBC Hong Kong HKD150 / equivalent Inward Telegraphic Transfer Request Inward Telegraphic Transfer Request CNY200 / equivalent Amendment or Cancellation CNY500 / equivalent Local Payment Foreign Currency Local Payment Via Local Clearing Via Local Clearing In-station Payment CNY80 / equivalent Out-station Payment CNY120 / equivalent Plus relevant correspondent bank charge Telegraphic Transfer Telegraphic Transfer Issuance 0.1% Min. Max. CNY500 / equivalent Plus Cable Charge Cable Charges Additional Cable Messages Amendment or Cancellation CNY120 / equivalent per cable per page Each additional cable: CNY40 / equivalent If remitter would like to ensure beneficiary receive the full instructed amount (Pay Exact), CNY200 will be collected from the remitter to cover the overseas charge and handling fee for this special arrangement. Any shortfall on top of CNY200 will be for the account of the remitter.

7 CNY Local Payments Direct Debit Cashier s Order Low Value Funds Transfer (In-station) CNY30.5 / equivalent per book or CNY1.20 / equivalent per piece CNY1.20 / equivalent per piece CNY1.20 / equivalent Enquiry and return payment of local payment via national clearing system: CNY1 Low Value Funds Transfer Amount of Each Transfer Handling Fee (Out-station) CNY10,000 or less: CNY5 CNY50,000 or less: CNY10 Plus additional handling charge: CNY0.50 Enquiry and return payment of localpayment via national clearing system: CNY1 High Value Funds Transfer Amount of Each Transfer Handling Fee (In-station & Out-station) CNY10,000 or less: CNY5 CNY100,000 or less: CNY10 CNY500,000 or less: CNY15 CNY1,000,000 or less: CNY20 Over CNY1,000,000: 0.002% Max. CNY200 Plus additional handling charge: CNY0.50 Emergency Payment: plus 30% additional fee on top of the above Enquiry and return payment of local payment via national clearing system: CNY1 CNY payment charges may vary from time to time as stipulated by relevant local authorities. Should there be differences in requirements on CNY payment charges per stipulated by relevant local authorities, local requirements should prevail. The ceiling amount for Low Value Funds Transfer is CNY50,000 (The ceiling limit might be adjusted according to the adjustment of PBOC s policy) Debit Card HSBC Premier Debit Card Annual Fee Free Free Loss report Free Free New card replacement CNY10 CNY20 PIN reset CNY10 CNY20 Balance enquiry (in and outside China) Free Free HSBC Advance Debit Card ATM cash withdrawals in China (per transaction) - Intra-province HSBC China Free Free ATMs - Intra-province other bank CNY2 * CNY2 ATMs - Inter-province HSBC China Free Free ATMs - Inter-province other bank CNY2+1% of withdrawal CNY2+1% of withdrawal ATMs amount (1% part min: amount (1% part min: CNY1, max: CNY50) CNY1, max: CNY50) ATM cash withdrawals outside China (per transaction) - Overseas HSBC Group Free CNY20/equivalent+1% of ATMs withdrawal amount - Overseas China UnionPay CNY20/equivalent+1% CNY20/equivalent+1% of ATMs of withdrawal amount withdrawal amount Special offer: HSBC Premier Debit Card cardholder will enjoy the benefit of service fee exemption on cash withdrawal from intra-province (including municipality) other bank ATMs until 31st December Intra-province means the transaction place and the branch of the primary account are in the same province (or municipality); Inter-province means the transaction place and the branch of the primary account are not in the same province (or municipality). The withdrawal amount and the service fee will be debited from your withdrawal account once. The service fee for fund transfer from Multicurrency Notes Savings to Multicurrency Exchange Savings through HSBC Advance Debit Card, which is 1% of the fund transfer amount, will also be debited from the corresponding account once. The transactions through ATMs of HSBC Group member Hang Seng Bank in mainland China will be charged as different bank transactions.

8 HSBC Premier Tariff Cash Services TARIFF OF ACCOUNTS Minimum Total Relationship Balance Monthly Service Fee CNY500,000 / equivalent A Monthly Service Fee of CNY300 (or its equivalent in any other currency) will be charged every month if the Total Relationship Balance of all the accounts under the same customer number fall below CNY500,000 / equivalent in the previous month. Foreign Currency Notes Withdrawal Commission Overseas Remittances Additional Commission on Outward Remittance from Foreign Currency Notes Accounts Inward Telegraphic Transfer paid to HSBC Account Online Telegraphic Transfer via Personal Internet Banking between Self-named Accounts within HSBC ^ % Account Closed Within 3 Months CNY410 / equivalent Remittance Enquiry / Investigation TARIFF OF ACCOUNTS Account Services Additional Statements Forward HSBC Group Correspondence Bank Reference Letter Certificate of Balance Issue Certificate of Deposit Copies of Statement, Voucher & Paid Cheque Facsimile Signature Witness / Certify True Copy Standing Instruction Set-up, Amendment or Suppression Overseas HSBC Account Opening Global Emergency Encashment Service Replacement of Security Device for Personal Internet Banking Foreign Currency funds transfer from Notes Account to Exchange Account Bill Collection (for amount of USD5,000 / equivalent or above per bill) Collection of travelers cheque (for amount of USD5,000 / equivalent or above per time) Instant Telegraphic Transfer # # The proceeds will be deposited into Notes Account after collection. For Initial Deposit after account opening: Free Thereafter: 50% discount* Total Relationship Balance includes: RMB/Foreign currency deposits Investment principal amount(s) of Dual Currency Investment(s) and Structured Investment(s) (Capital Protection at Maturity / Partial Capital Protection at Maturity) Market value of other investment product(s) (including Overseas Investment Plan) * HSBC Premier customers can enjoy the preferential tariff provided that: (1) Last month s Total Relationship Balance is not below the Minimum Total Relationship Balance requirement; (2) Or, the Monthly Service Fee has been fully paid. International Premier Customers with HSBC mainland China as the Host Country bank are not ruled by the above This does NOT apply to CNY remittance between Hong Kong and mainland China. # Not applicable to HKD cheques drawn on Hong Kong and collected at HSBC Shenzhen Branch. ^ Free means that HSBC Bank (China) Company Limited ( HSBC China ) waives the local handling charge which should be charged by HSBC China for the Inward Telegraphic Transfer paid to HSBC Account % Free means that HSBC China waives the local handling charge which should be charged by HSBC China for the Online Telegraphic Transfer via Personal Internet Banking between Self-named Accounts within HSBC Group Cross Branch Services CNY Cash Withdrawal / CNY Cash Deposit Cross Branch Service Charge