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

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 Due to the amount of a single RMB cheque exceeding RMB200 per cheque RMB80,000 Temporary Overdraft O/D exceeds credit limit / O/D without credit limit Current Account (Applicable to HKD, USD and RMB Current Account) 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 Sent by bank HK$200 / US$26 per cheque plus other bank charges Payment 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 Establishing record HK$100 / US$13 / RMB100 per instruction (Internet Transaction) Printing of Special Cheques Regular / Gold-plated Handling charge Printing of Special Pay-in Slips Handling charge Delivery of Cheque Book By surface mail By registered mail HK$25 (max. 2 booklets) Delivery of Returned Cheque By double registered mail HK$35 per instruction 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 Report loss of Passbook / Replacement of Passbook (Due to loss / damage of passbook or HK$100 per passbook loss of Chop) Consolidated Back Item Advice HK$70 per copy Savings Account 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 HK$60 per month the Account Day of the previous month to the Account Day before the last Account Day of the current month) Transactions conducted over our branch /sub-branch counter:cash withdrawal, Transfer Counter Service Fee of HK$20 for each transaction through Account, CHATS Outward through Account and Account balance enquiry (Note 2) esavings Deposit Annual fee of ATM card Account 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) Time Deposit Account (including Club Deposits) Early uplift on Time Deposits HK$200 per transaction (interest penalty may be levied) Annual fee (Note 3) HK$50 per card Loss of card Report loss and re-issue HK$50 per card Report loss only ATM Card/ Re-issue of new card due to card lost in transit Dual Currency ATM cash withdrawal through BOCOM ATMs in Mainland China (ATM Card/HKD China HK$8 per transaction Card/ UnionPay ATM Card only) HKD China ATM cash withdrawal through JETCO ATM network in Mainland China and Macau HK$10 per transaction UnionPay Card ATM cash withdrawal through PLUS ATM network HK$25 per transaction (Note 4) ATM cash withdrawal through China UnionPay ATM network in Mainland China (Dual RMB15 per transaction Currency Card only) ATM cash withdrawal through China UnionPay ATM network in Worldwide (not include HK$15 per transaction Mainland China)(HKD China UnionPay ATM Card and Dual Currency Card) Credit Card Please refer to Bank of Communications Credit Card Fees Schedule / Bank of Communications CUP Dual Currency Credit Card Fees Schedule 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 Safe Deposit Box of keys) Administration fee for not paying the rent by autopay HK$50 per 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, S 2 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. Note 3: Exemptions apply to BComBEST, BOCOM FORTUNE customers and senior citizens. Note 4: Surcharges of overseas local bank may be levied (if applicable). Please take notice that any withdrawal of foreign currency through overseas ATMs will not be debited from foreign currency balance (if any), but from Hong Kong dollar account instead. If Dual Currency Card is used for CNY cash withdrawal at ATMs in Mainland China (exclude Hong Kong and Macau), the transaction amount will be directly debited from the card s CNY balance without any exchange. Different exchange rate, and fees and charges will apply depending on the oversea ATM network that you are using. Please refer to the following information on the debit of your Hong Kong dollar account for any overseas ATM cash withdrawal: 1. For transactions conducted via the "BOCOM ATMs in Mainland China", the transaction amount withdrawn is converted directly into Hong Kong dollars at the daily exchange rates set by BOCOM Mainland China (Exchange rate can be enquired via the website of BOCOM Mainland China); 2. For transactions conducted via the "JETCO" network, if the transactions involve currency exchange, the transaction amount withdrawn will be converted directly into Hong Kong dollars at the exchange rates set by the "JETCO" member bank which is displayed on the ATM screen; 3. For transactions conducted via the "CUP" network, the transaction amount debited is converted directly into Hong Kong dollars at the daily exchange rates set by China UnionPay (Exchange rate can be enquired via the website of China UnionPay); 4. For transactions conducted via the "VISA/PLUS" network, the transaction amount withdrawn is converted directly into Hong Kong dollars at the daily exchange rates set by VISA (Exchange rate can be enquired via the website of VISA) plus 1.95% conversion charge (inclusive of a fee charged by VISA International to the Bank at the rate of 1%). Please note the reference rates displayed at the websites of respective network providers/bocom Mainland China may not precisely reflect the actual rates applied to the withdrawn amounts due to the time at which the rates are used, possible rounding differences and the exclusion of the conversion charge (if any). For debit cards/credit cards linked to more than one banking accounts, if those overseas ATMs do not provide the service for customers to select an account for the withdrawal and where this is the case, the primary account will be used, subject to any restrictions or limitations imposed by the bank providing the overseas ATM service. P.1/5

Issuance Banker s endorsement to certify the name of purchaser Cashier s Order Refund Report loss HK$60 per order plus charge for reporting to HKAB / HKICL Cashier s Order Marked Good by bank Creation of new record / Amendment of record HK$50 / RMB50 per record Autopay Returned Autopay Due to insufficient funds HK$150 / RMB150 per record (Debit Service) Due to other reasons HK$20 / RMB20 per record CUP Cross Border Autopay Service HK$50 / RMB50 per service IAH/CCASS Creation of new record / Amendment of record HK$50 / RMB50 / US$6.5 per record Autopay Returned Autopay Due to insufficient funds HK$150 / RMB150 / US$20 per record (Debit Service) Due to other reasons HK$20 / RMB20 / US$3 per record Initial set up fee Collection Service Counter Payment Service HK$5 / RMB5 / US$0.7 per record (Credit Account) Written Instruction HK$5 / RMB5 per record (minimum HK$100 / RMB100) 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) Autopay of Credit into other bank s A/C HK$4 / RMB4 per account (minimum HK$100 / RMB100) Payroll Service Diskette Initial set up fee HK$200 / RMB200 Instruction/USB Credit into our bank s A/C Credit into other bank s A/C HK$1 / RMB1 per account (minimum HK$70 / RMB70) Maintenance The monthly average aggregate daily credit balance of HK$300 per month BComBEST designated accounts (Note 1) in the name of the customer is less than HK$1,000,000 equivalent Re-applying Re-applying within 6 months from cancellation (Note 2) HK$100 per application BOCOM FORTUNE Taxi Financing DreamCash Personal Loan / Tax Loan Bank Confirmation General Maintenance The monthly average aggregate daily credit balance of designated accounts (Note 1) in the name of the customer is less than HK$200,000 equivalent HK$100 per month Re-applying Re-applying within 6 months from cancellation (Note 2) HK$100 per application Handling of Assigning / Changing Vehicle Registration Number HK$600 per request Handling of Changing Engine Number HK$600 per request Option Price HK$700 per request Handling of Replacement of Carbody HK$1,000 per request 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 Verification of Account Signature HK$150 / US$20 per copy (HK$20 / US$3 for each additional copy) Confirmation of Confirmation of Account Balance HK$150 / US$20 per copy (HK$20 / US$3 for each additional copy) Account Information Confirmation of Customer Account/ HK$300 / US$39 per copy (HK$20 / US$3 for each additional copy) Information Confirmation of Mortgaged Property Information Confirmation of Banking Facilities Confirmation of Transaction Information Issuance of Bank Sponsorship for relative further studies HK$300 / US$39 per copy (HK$20 / US$3 for each additional copy) Reference Letter 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 Special Company Trust account HK$15,000 per request Account Opening Company with more than 3 layers in its structure HK$15,000 per request Local Company Account Opening HK$1,200 per request Overseas Company Account Opening HK$15,000 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 Account History Record within 1 year HK$250 per account Report for Savings or Record within 2 years HK$750 per account Fixed Deposit Record within 3 years HK$1,000 per account Accounts (Note 4) Record more than 3 years (up to 7 years) HK$1,000 per year thereafter 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, Structured 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. Note 3: Free monthly transaction count : BComBEST No limit; BOCOM FORTUNE 30 transactions; General customer 8 transactions. Customer may also need to pay the relevant fee when conducting certain banking transactions, e.g. CHATS Outward. The Bank reserves the right to change the scope of services which are subject to the Counter Service Fee and the Free monthly transaction count from time to time. Exceptions apply to senior citizens (aged 65 or above). Note 4: Record within 1 year means the record within one calendar year (from 1 January to 31 December). Request for less than 1 year record is still charged as Record within 1 year. P.2/5

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 Records within 3 years from the date of request will be charges for HK$50 per page, records over 3 years (up to 7 years) from the date of request will be charges HK$100 per page Outward Clean Bills Collection Paid / Return item HK$150 per draft (plus registered mail or courier charges as below arrangement) (plus correspondent bank charges) General Note 1: Note 2: Note 3: Note 4: By Registered Mail; All countries HK$30; By Courier: Macau: HKD130; Non Macau: HKD250 Inward Remittance Bought Paid / Return item 0.5% per application form (minimum HK$100) (plus correspondent bank charges) Written Standing Instructions HK$100 / RMB100 per item Gift Cheque HK$10 per cheque Gift Card Handling fee upon purchase HK$10 per card (Note 1) Administrative fee for refund before Expiry Date HK$100 Monthly service fee after Expiry Date HK$100 each month, to be deduced from the remaining balance of Prepaid Value until the remaining balance is nil. Coins Exchange (Note 2) HK$4 per sachet HKD Coins Deposit (must be presorted) 300 coins or below: free 300 coins above: 2% of the total amount for deposit, subject to a minimum fee HK$50 per transaction Large amount of HKD Note deposit / withdrawal / processing Over 200 notes (must be presorted) or over HK$50,000 per day per customer HK$0.3 per note or 0.5% of the amount per transaction, whichever is higher (minimum HK$100) Foreign Currency Notes deposit / USD 0.25% of the deposit / withdrawal / processing amount per transaction withdrawal / processing (USD Notes deposit account Renminbi 0.25% of the deposit / withdrawal / processing amount per transaction (minimum RMB 20) excluded) Other foreign currencies 0.375% of the deposit / withdrawal / processing amount per transaction (GBP, AUD, CAD and JPY only) Foreign Currency Notes Bank Customers (Note 3) Exchange (Renminbi excluded) Non-Bank Customers HK$100 per transaction Renminbi Currency Notes Exchange Bank Customers HK$50 per transaction; plus Foreign Currency Notes deposit / withdrawal / processing charge Non-Bank Customers HK$100 per transaction; plus Foreign Currency Notes deposit / withdrawal / processing charge Bulk Cheque Deposit Up to 30 pieces per day 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 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 3 years to 4 years HK$200 per page 4 years to 5 years HK$250 per page 5 years to 6 years HK$300 per page 6 years to 7 years (up to 7 years) HK$350 per page Security Device First distribution Replacement due to malfunction /damage of Security Device Re-issue due to loss of Security Device HK$100 Cross Border Accounts Enquiry Set up enquiry function/ Set up authorization for HK$200 per account enquiry 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 The refund service and monthly service fee after Expiry Date are only applicable to gift cards with SVF license number SVFB023 (assigned by the Monetary Authority) printed thereon. HK$20 per sachet for HK$0.1 & HK$0.2; HK$25 per sachet for HK$0.5; HK$100 per sachet for HK$1, HK$2 & HK$5; HK$200 per sachet for HK$10. The bank reserves the right to levy an additional charge on bulk Foreign/ Renminbi Currency Notes Exchange. If you have selected the option for all bank charges to be borne by you (the beneficiary receives full amount), an additional recipient bank charges HK$200 and cable fee of HK$100 will be charged. After ascertaining the charges actually charged by the recipient bank, our Bank will charge for the difference between the actual charges and our Bank s estimated charges. P.3/5

Remittance General Outward Remittances Inward Remittances Electronic Clearing Transfer (Internet Transaction) (Note 1) Electronic Clearing Transfer Outward (HKD) Electronic Clearing Transfer Outward (RMB) HK$5 per transaction RMB5 per transaction Transfer to saving account(s) of Pacific Debit Card of Bank of HK$ 100 per transaction Communications in Mainland China (HKD) BOCOM Account (Mainland) (Online Instant Transfer) Transfer to saving account(s) of Pacific Debit Card of Bank of US$13 per transaction Communications in Mainland China (USD) Transfer to saving account(s) of Pacific Debit Card of Bank of RMB 80 per transaction Communications in Mainland China (RMB) Send out Bank Customers Remit to our Branches in Mainland HK$170 per request China (include Fast Transfer) Remit to other Banks or our Overseas HK$220 per request Branches (Note 2) Non-Bank Customers (Note 2) HK$300 per request Message (exceed 10 Chinese characters) HK$80 per instruction Amendment/Enquiry/Refund HK$220 per instruction (plus correspondent bank charges ) Telegraphic Transfer Internet Foreign Currency / Overseas Bank Transfer HK$100 per request (Internet transaction) (Note 2) Enquiry / Cancellation of Internet Foreign Currency / Overseas Bank Transfer (Note 3) Telegraphic Message Transfer Apply for amendment / enquiry / refund of Internet HK$150 per instruction Foreign Currency / Overseas Bank Transfer over Counter Standing Instruction submitted by Same as the Outward Remittance charges mentioned above Overseas Chinese customer Postal fee for replying HK$10 per mail through mail Demand Draft Regular Remittances First time set up (usually upon a fixed Send out HK$30 each time period) under the Social Security Schemes provided by Amendment (exclude information amended by the Social HK$20 per amendment Welfare Department) Social Welfare Department Enquiry Refund HK$150 per instruction Issuance Bank Customers Issue to our Branches in Mainland HK$50 per draft China Issue to other Banks or our Overseas HK$100 per draft Branches (Note 4) Non-Bank Customers (Note 4) HK$180 per draft Refund HK$150 per draft ( plus correspondent bank charges ) Report Loss / Stop Payment HK$300 per draft (An additional charge to HKAB for Report loss of Demand Draft plus correspondent bank charges ) Confirmation Telex confirmation to Beneficiary Banks HK$120 per item Confirmation and Enquiry of Remittances by Distance Call to Payment Banks HK$120 per request All information correct Transfer from our Branches in Mainland China to our accounts Telegraphic Transfer from other Banks or our Overseas Branches to Transfer/ our accounts HK$60 per transaction Mail Inward Remittance credit A/C with discrepancy handling charges HK$100 per transaction Transfer/ Transfer applied by Beneficiary Transfer the fund to the same beneficiary s account in HK$100 per transaction (plus outward remittance charges) Demand other Banks or our Branches in Mainland China / our Draft Overseas Branches Transfer the fund to a third party s account in other Banks HK$200 per transaction (plus outward remittance charges) or our Branches in Mainland China / our Overseas Branches 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$150 per instruction Note 1: The funds transferred via Electronic Clearing Transfer will be credited to the recipient s account after two business days. The reference to business day means any day on which banks in HKSAR are open for business (except Saturday, Sunday or public holiday). Note 2: 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$350 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 3: 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. Note 4: If you request to issue the demand draft currency in SEK, an additional correspondent bank charge of SEK50 will be charged. P.4/5

Loan Application fee (Secured Loans) (Note 1) 0.5% of Loan Limit Amount (Minimum Charge : HK$1,500) Handling Charge Mortgage Loan related Fee Application fee (Unsecured Loans) Renewal Fee 0.5% of Loan Limit Amount (Minimum Charge : HK$2,000) 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.) Lease Consent Letter on Charged Property (plus Legal Cost) Handling Fee for Early Redemption (Full / Partial) of Instalment Loan after Penalty Period Custody of Non-discharged Deeds after Full Repayment HK$1,000 per item HK$2,000 per Letter HK$1,000 per Transaction (Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme) HK$3,000 per year Other related / Fee 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 Commitment Fee for Overdraft Limit HK$500 per Transaction 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) 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 Default Interest HK$500 per insurance policy Our Best Lending Rate plus 4.25%p.a. Administration Fee for Late Payment Reprint of Annual Statement of Instalment Account HK$500 per Transaction HK$100 per copy Request for copy by Customer Title Deeds HK$200 per Deed Other Loan Documents HK$50 per page Note 1: Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme (i) Bank of Communications (Hong Kong) Ltd. (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. (v) This is a translation of the original Chinese version. The above information is for reference only. Investment Funds/ Debt Instrument Investment Subscription/Redemption/Management Fee/Performance Fee/Other Fees Please refer to the offering document of the respective fund Investment Funds Debt Instrument Switching Fee (Switching of Investment Funds within the same fund house) (Note 1) Transfer of Investment Funds between Investment Funds Account within the Bank (Same Account Holder(s)) Transfer of Investment Funds from other financial institutions to the Bank Transfer of Investment Funds from the Bank to other financial institutions Transaction Fee Redemption Fee at maturity Custodian Fee Cash Collection Fee Transfer Out Transfer In 1% of switching transaction amount Free Free $100 per Fund Note 1:Customer is not required to separately pay the switching fee (if any) charged by the relevant fund. HK$500 (or its equivalent) per Debt Instrument per transaction HK$100 (or its equivalent) per Debt Instrument per transaction (1) Debt Instrument means any certificate of deposit, bond, note, bill or other debt instrument of any description which the Bank is prepared to deal or handle from time to time under the Terms and Conditions for General Investment. (2) Regarding the charges for re-issuing Contract Note/Trade Confirmation/Monthly statement by customer request, please refer to the Bank Charges for Replacement of Copies of Advice/Receipt/Photocopying of Statement for Current Account. (3) The Bank reserves the right to revise the above fee and services from time to time. P.5/5