Preferred Banking Credit Card / Priority Banking Credit Card / Visa Infinite Card / Hospital Authority (Preferred Banking / Priority Banking) Credit C

Standard Chartered Bank (Hong Kong) Limited Credit Card* Key Facts Statement Effective Date: 29 October 2014 Interest and Charges Item Type of Charges Card Type Description 1 Annualised Percentage Rate (APR) for Retail Purchase / Finance charge for purchase Corporate Credit Card 25.5% 1 (0.067% per day) when you open your account and it will be reviewed from time to time. We will not charge you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on (i) the unpaid balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full. 4.04% 1 (2.625% per month) when you open your account and it will be reviewed from time to time. We will not charge you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on (i) the unpaid balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full. Preferred Banking Credit Card / Priority Banking Credit Card / Visa Infinite Card / Hospital Authority (Preferred Banking / Priority Banking) Credit Card 1.7% 1 (0.02% per day) when you open your account and it will be reviewed from time to time. We will not charge you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on (i) the unpaid balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full. Other Credit Cards.41% 1 (0.06% per day) when you open your account and it will be reviewed from time to time. We will not charge you interest if you pay your balance in full by the due date each month. Otherwise, interest will be charged on (i) the unpaid balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full. 2 APR for Cash Advance / Finance charge for Cash Advance 2, Corporate Credit Card 4.41% 1 (0.02% per day) when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full. 7.24% 1 (2.625% per month) when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full. MCCL_CC_Key Facts 10/2014 Page 1 of 12

Preferred Banking Credit Card / Priority Banking Credit Card / Visa Infinite Card / Hospital Authority (Preferred Banking / Priority Banking) Credit Card Other Credit Cards 4.67% 1 (0.02% per day) when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full. 6.54% 1 (0.06% per day) when you open your account and it will be reviewed from time to time. Interest will be charged on the amount of cash advance from the date of the transaction on a daily basis until payment in full. Corporate Credit Card 0.014% per day in addition to the prevailing or applicable finance Delinquent APR / Default rate charge for purchase and cash advance may be applied to your account if you fail to pay Minimum Payment by Payment Due Date in the past 1 month. 0.022% per day in addition to the prevailing or applicable finance charge for purchase may be applied to your account if you fail to pay Minimum Payment by Payment Due Date for 2 times or more in the past 12 months. 0.014% per day in addition to the prevailing or applicable finance charge for cash advance may be applied to your account if you fail to pay Minimum Payment by Payment Due Date for 2 times or more in the past 12 months. 0.42% per month in addition to the prevailing or applicable finance charge for purchase and cash advance may be applied to your account if you fail to pay Minimum Payment by Payment Due Date in the past 1 month. 0.5% per month in addition to the prevailing or applicable finance charge for purchase and cash advance may be applied to your account if you fail to pay Minimum Payment by Payment Due Date for 2 times or more in the past 12 months. Other Credit Cards 0.014% per day in addition to the prevailing or applicable finance charge for purchase and cash advance may be applied to your account if you fail to pay Minimum Payment by Payment Due Date in the past 1 month. 0.0165% per day in addition to the prevailing or applicable finance charge for purchase and cash advance may be applied to your account if you fail to pay Minimum Payment by Payment Due Date for 2 times or more in the past 12 months. 4 Interest Free Period 5 Minimum Payment/ Minimum Payment Due (if applicable) Standard Chartered Credit Card All Credit Cards Up to 56 days Up to 59 days All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$10, whichever is higher. MCCL_CC_Key Facts 10/2014 Page 2 of 12

Fees Item Type of Fees Card Type 6 Annual Membership Fee / Annual Fee / Annual Fee Anniversary (charge per card on annual basis) Classic Credit Card / executive Credit Card / Shop n Gain Credit Card HK$250 Description Principal Card Supplementary Card # HK$125 Gold Credit Card HK$550 HK$275 Titanium Credit Card HK$600 HK$00 Platinum Credit Card / executive platinum Credit Card / Preferred Banking Credit Card / Hospital Authority (Preferred Banking / Platinum / executive platinum) Credit Card / UnionPay Dual Currency Platinum Credit Card / Shop n Gain Platinum Credit Card HK$1,00 Waived 4 JOS Visa Business Platinum Card / Corporate Credit Card / Visa Signature Business Card HK$1,00 N/A Priority Banking Credit Card / Hospital Authority Priority Banking Credit Card HK$2,400 Waived 5 Visa Infinite Card HK$6,000 Waived 6 The Standard Chartered WorldMiles Card (formerly known as Standard Chartered American Express Card) Waived Waived Click-a-Count Titanium Credit Card Waived N/A MANHATTAN Platinum Credit Card HK$1,00 HK$900 MANHATTAN Titanium / Gold Credit Card HK$600 HK$00 MANHATTAN 21 / Infinity Credit Card HK$0 HK$160 MANHATTAN Visa / MasterCard HK$216 HK$10 7 Reduced Annual Fee on any subsequent Standard Chartered Credit Card sharing a combined credit limit (Principal Card only) Annual Rewards Scheme Fee Classic Credit Card HK$125 N/A Gold Credit Card (not applicable to Platinum / Co-branded / Corporate Credit Card) The Standard Chartered WorldMiles Card (formerly known as Standard Chartered American Express Card) HK$275 HK$250 (Waived on or after 1 November 201) N/A HK$125 (Waived on or after 1 November 201) MCCL_CC_Key Facts 10/2014 Page of 12

9 Cash Advance / Cash Advance Fee 2, Corporate Credit Card % of the cash advance amount per transaction (minimum HK$55 ), over the counter or via Jetco ATM, Visa ATM Network. 10 Fees relating to Foreign Currency Transactions / Foreign Currency (Currencies other than Hong Kong Dollars) Transactions incurred outside of Hong Kong 11 Transaction in Foreign Currency (Currencies other than Hong Kong Dollars) incurred in Hong Kong 12 Fees relating to Settling Foreign Currency (Currencies other than Hong Kong Dollars) Transaction in Hong Kong Dollars / Transactions in Hong Kong Dollars Incurred Outside of Hong Kong UnionPay Dual Currency Platinum Credit Card Other Credit Cards UnionPay Dual Currency Platinum Credit Card The Standard Chartered WorldMiles Card (formerly known as Standard Chartered American Express Card) Visa / MasterCard MasterCard MasterCard Visa / MasterCard.5% of the cash advance amount per transaction (minimum HK$100 ), over the counter 7 or via Jetco ATM, UnionPay International ATM Network..5% of the cash advance amount per transaction (minimum HK$100 ), over the counter or via Jetco ATM, Visa / MasterCard International ATM Network. (as available to the relevant Credit Card type(s)). The foreign exchange rate mark up fee will be waived. All settlements will be made in Hong Kong Dollars. A transaction that is made in a foreign currency other than US Dollars, when the conversion is done by American Express, will be converted into US Dollars before being converted into Hong Kong Dollars. All transactions effected in foreign currency will be converted by American Express at a range of rates selected by American Express in effect on the date when American Express process the transactions and are subject to a conversion fee of 1.25% applied by American Express plus 0.75% imposed by the Bank (2% in total). Such exchange rate may differ from the rate on the transaction date due to market fluctuation. All settlements will be made in Hong Kong Dollars. All transactions effected in foreign currency will be converted from the transaction currency into Hong Kong Dollars at a wholesale market rate selected by Visa / MasterCard International from within a range of wholesale market rates or the government-mandated rate in effect on the date when Visa / MasterCard International process the transaction, and a 1% reimbursement charge will be imposed by Visa / MasterCard International plus 0.95% imposed by the Bank (1.95% in total). Such exchange rate may differ from the rate on the transaction date due to market fluctuation. MasterCard International will impose a reimbursement charge of 0.2% on the Bank for transactions in currencies other than Hong Kong Dollars incurred in Hong Kong, the same will be charged by the Bank on such transactions on behalf of MasterCard International. MasterCard International will impose a reimbursement charge of 0.% on the Bank for transactions in Hong Kong Dollars incurred outside of Hong Kong, the same will be charged by the Bank on such transactions on behalf of MasterCard International. You may sometimes be offered the option to settle foreign currency transactions in Hong Kong Dollars at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the card issuer. In such cases, you are reminded to ask the merchants for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are entered into since settling foreign currency transactions in Hong Kong Dollars may involve a cost higher than the foreign currency transaction handling fee. If you choose to settle foreign currency transactions incurred outside of Hong Kong, please refer to item 10 for the charges. MCCL_CC_Key Facts 10/2014 Page 4 of 12

1 Transactions in CNY Currency 14 Late Payment Fee / Late Charge (Fail to pay Minimum Payment Due by Payment Due date) 15 Late Fee (Fail to pay Minimum Payment Due for Consecutive months or more) 16 Over-the-limit Fee / Overlimit Charge 17 Returned Payment Fee / Returned Item Fee 1 60 Rewards Points mileage redemption handling fee UnionPay Dual Currency Platinum Credit Card Corporate Credit Card Other Credit Cards All Credit Cards All Credit Cards (not applicable to Visa Infinite Card and Corporate Credit card) All Credit Cards All Credit Cards All transactions in CNY currency incurred outside of Hong Kong will not be converted into Hong Kong Dollars. China transactions will be directly posted in terms of CNY currency on CNY credit card account. EITHER 5% of the Minimum Payment Due (subject to a minimum cap of HK$10 and a maximum cap of HK$200) OR the Minimum Payment Due, whichever is lower. EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$10 and a maximum cap of HK$50) OR the Minimum Payment Due, whichever is lower. Waived HK$10 per statement cycle HK$120 per item HK$00 per each redemption 19 Card Replacement Fee All Credit Cards HK$100 per credit card account 20 Charge for Foreign Currency Cheque Repayment Standard Chartered Credit Card HK$100 per cheque Minimum HK$15, maximum HK$100 per cheque 21 Sales Draft Retrieval Fee (Photocopy) 22 Sales Draft Retrieval Fee (Original copy) 2 Statement Retrieval Fee 24 Cash Withdrawal Fee (By cheque/ cashier order) Standard Chartered Credit Card All Credit Cards Corporate Credit Card Other Credit Cards Standard Chartered Credit Card HK$40 per copy HK$50 per copy HK$70 per copy HK$0 per statement issued within the latest 2 months (photocopy) HK$50 per statement issued beyond the latest 2 months (photocopy) HK$50 per copy HK$75 per cheque Free if transfer to Standard Chartered account HK$75 per cheque 25 Logo Printing Fee JOS Visa Business Platinum Card HK$200 per card (upon card issuance and renewal) 26 Over-the-Counter Payment Handling Fee All Credit Cards (not applicable to Priority Banking Credit Card, Hospital Authority Priority Banking Credit Card, Visa Infinite Card) HK$0 per transaction MCCL_CC_Key Facts 10/2014 Page 5 of 12

27 Standard Chartered Credit Card Statement Instalment Plan and MANHATTAN s Anything Goes Instalment Program (not applicable to the Standard Chartered WorldMiles Card (formerly known as Standard Chartered American Express Card), Corporate Credit Card, Visa Signature Business Card and JOS Visa Business Platinum Card) 2 Standard Chartered Credit Card Instalment Credit Program and MANHATTAN Credit Cash Instalment Program 29 Standard Chartered Credit-to-Cash Preferential Annual Rate Program and MANHATTAN Credit Cash Preferential Annual Rate Program Handling Fee: Subject to approval 9 Administration Fee for Early Repayment: HK$150 per plan Application Fee: HK$200 per application Handling Fee: Subject to approval 10 Administration Fee for Early Repayment: 1% of the Final Instalment Credit/ Credit Cash Amount (minimum HK$00) Application Fee: HK$100 per application Preferential Annual Rate: Subject to approval 10 0 Limit on Cash Advance 2 (if applicable) All Credit Cards Your Limit on Cash Advance will be reviewed from time to time by the Bank. Your latest Limit on Cash Advance at any relevant time can be ascertained by calling 24-hour Customer Service Hotline. # Supplementary Card is not applicable to MANHATTAN id Platinum Credit Card and MANHATTAN id Credit Card. * Including Credit Cards issued by Standard Chartered Bank (Hong Kong) Limited and together with other organizations. 1. The Annualised Percentage Rate ( APR ) is calculated based on the guidelines as set out in the Code of Banking Practice and is for reference only, inclusive of Cash Advance Fee (if applicable). 2. The Bank may or may not allow you to use your UnionPay Dual Currency Platinum Credit Card to obtain cash advance.. It will be subject to the default maximum rates for interest on purchase and cash advance. Please call our 24-hour Customer Service Hotline at 21 0 to ascertain your prevailing or applicable interest rate. 4. Free for up to Supplementary Cards, annual fee for each subsequent Supplementary Card is HK$900. 5. Free for up to Supplementary Cards, annual fee for each subsequent Supplementary Card is HK$1,200. 6. A maximum of Supplementary Cards can be issued for each Principal Visa Infinite Card Cardholder. 7. Transactions made over the counter applicable for Hong Kong Dollars cash advance in Hong Kong only.. For CNY Account, related fees and charges amounting to HKD will be payable in CNY at the Bank s prevailing exchange rate of HKD and CNY as at the date of posting. The sum will be billed to the CNY Account of your UnionPay Dual Currency Platinum Card. 9. Please call our 24-hour Customer Service Hotline for enquiry on the handling fee applicable to you. 10. Please call our sales hotline at 1 66 for enquiry on the fee / rate applicable to you. Note: i. The Bank reserves the right to vary the fees/charges for customers based on their account record from time to time by notice. ii. The above items may from time to time be varied by notice to customers. iii. The provision of Credit Card services to you is subject to your acceptance of the above charges and the applicable relevant terms and conditions. If you want a copy of the terms and conditions or have any inquiries on the above items, please call our Credit Card 24-hour Customer Service Hotline 21 0. iv. In case you have any comment on the key facts statement, please write to Standard Chartered Bank (Hong Kong) Limited, P.O. Box 697, Kowloon East Post Office, Hong Kong. v. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail. Manhattan Card a division of Standard Chartered Bank (Hong Kong) Limited MCCL_CC_Key Facts 10/2014 Page 6 of 12

渣打銀行 ( 香港 ) 有限公司信用卡 * 資料概要生效日期 :2014 年 10 月 29 日 利息及收費 項目收費類別信用卡類別說明 1 購物簽賬實際年利率 / 購物 財務費 企業信用卡當閣下開立戶口時, 購物財務費為 25.5% 1 ( 每日 0.067%) 本行會定時檢討費用 如果閣下在每月的到期繳款日或之前支付 欠款結餘, 本行將不會向閣下收取利息 否則, 利息將按 (i) 所有欠款結餘 ( 顯示於上一期月結單內之欠款結餘將按日計算直至所有款項還清為止 ), 以及 (ii) 所有新交易賬項 ( 在到期繳款日前一個月結單截數日後誌賬的新交易賬項 ) 須根據交易日期起按日計息, 直至全數還清為止 MANHATTAN 信用卡當閣下開立戶口時, 購物財務費為 4.04% 1 ( 每月 2.625%) 本行會定時檢討費用 如果閣下在每月的到期繳款日或之前支付 欠款結餘, 本行將不會向閣下收取利息 否則, 利息將按 (i) 所有欠款結餘 ( 顯示於上一期月結單內之欠款結餘將按日計算直至所有款項還清為止 ), 以及 (ii) 所有新交易賬項 ( 在到期繳款日前一個月結單截數日後誌賬的新交易賬項 ) 須根據交易日期起按日計息, 直至全數還清為止 Preferred Banking 信用卡 / 優先理財 信用卡 / Visa Infinite 卡 / 醫管局 ( Preferred Banking / 優先理財 ) 信用卡 當閣下開立戶口時, 購物財務費為 1.7% 1 ( 每日 0.02%) 本行會定時檢討費用 如果閣下在每月的到期繳款日或之前支付 欠款結餘, 本行將不會向閣下收取利息 否則, 利息將按 (i) 所有欠款結餘 ( 顯示於上一期月結單內之欠款結餘將按日計算直至所有款項還清為止 ), 以及 (ii) 所有新交易賬項 ( 在到期繳款日前一個月結單截數日後誌賬的新交易賬項 ) 須根據交易日期起按日計息, 直至全數還清為止 其他信用卡當閣下開立戶口時, 購物財務費為.41% 1 ( 每日 0.06%) 本行會定時檢討費用 如果閣下在每月的到期繳款日或之前支付 欠款結餘, 本行將不會向閣下收取利息 否則, 利息將按 (i) 所有欠款結餘 ( 顯示於上一期月結單內之欠款結餘將按日計算直至所有款項還清為止 ), 以及 (ii) 所有新交易賬項 ( 在到期繳款日前一個月結單截數日後誌賬的新交易賬項 ) 須根據交易日期起按日計息, 直至全數還清為止 2 透支現金實際年利率 / 透支現金 財務費 2, 企業信用卡當閣下開立戶口時, 透支現金財務費為 4.41% 1 ( 每日 0.02%) 本行會定時檢討費用 利息會由透支當日起按日計算, 直至全數還清為止 MANHATTAN 信用卡當閣下開立戶口時, 透支現金財務費為 7.24% 1 ( 每月 2.625%) 本行會定時檢討費用 利息會由透支當日起按日計算, 直至全數還清為止 MCCL_CC_Key Facts 10/2014 Page 7 of 12

Preferred Banking 信用卡 / 優先理財 信用卡 / Visa Infinite 卡 / 醫管局 ( Preferred Banking / 優先理財 ) 信用卡 當閣下開立戶口時, 透支現金財務費為 4.67% 1 ( 每日 0.02%) 本行會定時檢討費用 利息 會由透支當日起按日計算, 直至全數 還清為止 其他信用卡當閣下開立戶口時, 透支現金財務費為 6.54% 1 ( 每日 0.06%) 本行會定時檢討費用 利息 會由透支當日起按日計算, 直至全數 還清為止 拖欠實際年利率 / 拖欠利率 企業信用卡 若閣下在過去一個月未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的購物財務費及透支現金 財務費再額外每日附加 0.014% 若閣下過去十二個月內有兩次或以上未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的購物財務費 再額外每日附加 0.022% 若閣下過去十二個月內有兩次或以上未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的透支現金 財務費再額外每日附加 0.014% MANHATTAN 信用卡 若閣下在過去一個月未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的購物財務費及透支現金 財務費再額外每月附加 0.42% 若閣下過去十二個月內有兩次或以上未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的購物財務費及 透支現金財務費再額外每月附加 0.5% 其他信用卡 若閣下在過去一個月未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的購物財務費及透支現金財務 費再額外每日附加 0.014% 若閣下過去十二個月內有兩次或以上未能在到期繳款日或之前繳付 最低付款額, 本行將按現行或適用於閣下的購物財務費及 透支現金財務費再額外每日附加 0.0165% 4 免息還款期渣打信用卡長達 56 天 5 最低還款額 / 最低付款額 ( 如適用 ) MANHATTAN 信用卡 所有信用卡 長達 59 天所有利息及費用 ( 包括年費 ) 及超逾信用額之全數金額及 / 或逾期之全數金額 ( 如適用 ), 加上月結單總結欠的 1% 最低付款額 為上述所有項目之總額或 10 港元, 以較高者為準 MCCL_CC_Key Facts 10/2014 Page of 12

費用 項目費用類別信用卡類別 說明 主卡附屬卡 # 6 會員年費 / 年費 ( 每張卡之每年收費 ) Visa 卡 / 萬事達卡 / 行政人員信用卡 / 倍多紛信用卡 250 港元 125 港元 Visa 金卡 / 萬事達金卡 550 港元 275 港元 Titanium 信用卡 600 港元 00 港元 白金信用卡 / 行政人員白金信用卡 / Preferred Banking 信用卡 / 醫管局 (Preferred Banking / 白金 / 行政人員白金 ) 信用卡 / 銀聯雙幣白金信用卡 / 倍多紛白金信用卡 JOS Visa 商務白金卡 / 企業信用卡 / Visa Signature 商務卡 優先理財 信用卡 / 醫管局 優先理財 信用卡 1,00 港元豁免 4 1,00 港元不適用 2,400 港元豁免 5 Visa Infinite 卡 6,000 港元豁免 6 渣打 WorldMiles 卡 ( 原名為渣打 American Express 卡 ) 豁免 豁免 Click-a-Count Titanium 信用卡豁免不適用 MANHATTAN Platinum 信用卡 1,00 港元 900 港元 MANHATTAN Titanium 信用卡 / Visa 金卡 / 萬事達金卡 600 港元 00 港元 MANHATTAN 21 / Infinity 信用卡 0 港元 160 港元 MANHATTAN Visa 卡 / 萬事達卡 216 港元 10 港元 7 同時持有多於一張共享信用額之渣打信用卡可享之特惠年費 ( 只適用於主卡 ) Visa 卡 / 萬事達卡 125 港元不適用 Visa 金卡 / 萬事達金卡 ( 不適用於白金信用卡 / 聯營卡 / 企業信用卡 ) 275 港元不適用 獎賞計劃年費 渣打 WorldMiles 卡 ( 原名為 渣打 American Express 卡 ) 9 透支現金 / 透支現金費用 2, 企業信用卡 銀聯雙幣白金信用卡 其他信用卡 250 港元 ( 於 201 年 11 月 1 日或之後豁免 ) 125 港元 ( 於 201 年 11 月 1 日或之後豁免 ) 交易金額的 %( 最低為 55 港元 ) 經銀行櫃檯或經 銀通 Visa 自動櫃員機網絡 交易金額的.5%( 最低為 100 港元 ) 經銀行櫃檯 7 或經 銀通 銀聯國際自動櫃員機網絡 交易金額的.5%( 最低為 100 港元 ) 經銀行櫃檯或經 銀通 Visa / 萬事達卡國際自動櫃員機網絡 ( 適用於相關之信用卡類別 ) MCCL_CC_Key Facts 10/2014 Page 9 of 12

10 海外交易手續費 / 在海外以外幣 ( 即除港元之外的任何貨幣 ) 簽賬 銀聯雙幣白金信用卡 渣打 WorldMiles 卡 ( 原名為渣打 American Express 卡 ) 免收外匯轉換費用 所有交易賬項均以港元支付 就所有以外幣 ( 美元除外 ) 交易的賬項, 當經由美國運通公司兌換, 美國運通公司將按其匯率先兌換為美元, 繼而再兌換為港元 所有經美國運通公司兌換的外幣交易均以美國運通公司於處理 有關簽賬之日期所選擇之兌換率折算為相應金額, 並收取 1.25% 交易徵費, 另加本行收取的 0.75% 以計算客戶應付金額 ( 合共 2%) 此外, 由於市場匯率經常波動, 實際採用的匯率可能與簽賬當日的匯率有所不同 Visa 卡 / 萬事達卡所有交易賬項均以港元支付 就所有以外幣交易的賬項, 將按 Visa / MasterCard International 從國際市場兌換率中選擇的或有關政府強制適用的兌換率, 於 Visa / MasterCard International 處理有關簽賬之日期折算為相應數額的港元, 並收取 1% 交易徵費, 另加本行收取的 0.95%, 以計算 客戶應付金額 ( 合共 1.95% ) 此外, 由於市場匯率經常波動, 實際採用的匯率可能與簽賬當日的匯率有所不同 11 在香港以外幣 ( 即除港元之外的任何貨幣 ) 簽賬 萬事達卡 MasterCard International 對所有在香港以外幣交易的賬項會收取 0.2% 作為交易徵費 同樣的費用將由本行代 MasterCard International 收取 12 以港幣支付外幣 ( 即除港元之外的任何貨幣 ) 簽賬的有關費用 / 在海外以港幣簽賬 萬事達卡 Visa 卡 / 萬事達卡 MasterCard International 對所有在海外以港元交易的賬項會收取 0.% 作為交易徵費 同樣的費用將由本行代 MasterCard International 收取 閣下在外地消費時, 有時候可選擇以港元支付外幣簽賬 此選項屬海外商戶的直接安排, 而非由信用卡發卡機構提供 閣下應於簽賬前向該商戶查詢有關匯率及手續費的詳情, 因為以港元支付外幣簽賬, 所涉及的費用可能會較以外幣簽賬的手續費為高 如閣下選擇在海外以外幣簽賬, 請參閱項目 10 了解有關收費 1 以人民幣進行的交易 銀聯雙幣白金信用卡 在香港境外以人民幣進行的所有交易均不會轉換為港元 在中國進行的交易將直接按人民幣計入人民幣信用卡戶口 14 逾期費用 / 逾期費 ( 未能在指定之繳款日期或之前繳付 最低付款額 ) 企業信用卡其他信用卡 最低付款額的 5%( 最低為 10 港元, 最高為 200 港元 ) 或最低付款額, 以較低者為準 未付結欠餘額的 5%( 最低為 10 港元, 最高為 50 港元 ) 或最低付款額, 以較低者為準 15 過時補加費 ( 逾期三個月或以上 ) 16 過額費用 / 超逾信用額費 17 退款手續費 / 退款費 1 60 全面賞 積分換取里數手續費 所有信用卡 所有信用卡 ( 不適用於 Visa Infinite 卡及企業信用卡 ) 所有信用卡 所有信用卡 豁免 每期 10 港元每項 120 港元每次 00 港元 MCCL_CC_Key Facts 10/2014 Page 10 of 12

19 失卡補發費所有信用卡每賬戶 100 港元 20 外幣支票繳款費 渣打信用卡每張 100 港元 MANHATTAN 信用卡 每張最低為 15 港元, 最高為 100 港元 21 購物單據檢索費 ( 副本 ) 渣打信用卡 MANHATTAN 信用卡 每張 40 港元 每張 50 港元 22 購物單據檢索費 ( 正本 ) 所有信用卡 每張 70 港元 2 月結單檢索費企業信用卡每張 0 港元 ( 最近兩個月所發出之月結單 ( 副本 )) 每張 50 港元 ( 最近兩個月以前所發出之月結單 ( 副本 )) 其他信用卡 每張 50 港元 24 現金提款費 ( 以銀行支票 / 本票提取信用卡結餘款項 ) 渣打信用卡 每張 75 港元 MANHATTAN 信用卡免費 ( 轉賬至渣打戶口 ) 每張 75 港元 25 商標印刷費用 JOS Visa 商務白金卡每張 200 港元 ( 於信用卡開戶及續期時收取 ) 26 經櫃檯付款手續費 所有信用卡 ( 不適用於 優先 理財 信用卡, 醫管局 優先 理財 信用卡,Visa Infinite 卡 ) 每次交易 0 港元 27 渣打信用卡 月結單分期 計劃及 MANHATTAN 乜都得分期 計劃 ( 不適用於渣打 WorldMiles 卡 ( 原名為渣打 American Express 卡 ) 企業信用卡 Visa Signature 商務卡及 JOS Visa 商務白金卡 ) 2 渣打信用卡 兌現分期 計劃及 MANHATTAN 信用額自由使 兌現分期計劃 手續費 : 按批核情況而定 9 提早還款之行政費用 : 每計劃 150 港元申請手續費 : 每次 200 港元 手續費 : 按批核情況而定 10 提早還款之行政費用 : 最終批核款額之 1%( 最低為 00 港元 ) 29 渣打信用卡 兌現年息優惠 計劃及 MANHATTAN 信用額自由使 年息優惠計劃 2 0 透支現金限額 ( 如適用 ) 所有信用卡 申請手續費 : 每次 100 港元 優惠年息 : 按批核情況而定 10 # 附屬卡不適用於 MANHATTAN id Platinum 信用卡及 MANHATTAN id 信用卡 * 包括渣打銀行 ( 香港 ) 有限公司與其他機構聯合推出之信用卡 閣下之透支現金限額將不時被本行檢討 閣下可隨時透過 24 小時客戶服務熱線查詢有關閣下最新的透支現金限額 MCCL_CC_Key Facts 10/2014 Page 11 of 12

1. 實際年利率乃根據 銀行營運守則 所載之指引計算, 僅供參考, 而透支現金之實際年利率已將透支現金手續費計算在內 ( 如適用 ) 2. 本行未必會許可閣下使用銀聯雙幣白金信用卡作透支現金. 受本行訂定有關購物及透支現金之利息最高限制所規限 客戶可透過 24 小時客戶服務熱線 21 0 查詢有關現行或適用於閣下的利率 4. 最多可獲 張年費全免之附屬卡, 此後每張附屬卡之年費為 900 港元 5. 最多可獲 張年費全免之附屬卡, 此後每張附屬卡之年費為 1,200 港元 6. 每張 Visa Infinite 卡主卡最多可獲發 張附屬卡 7. 銀行櫃檯透支現金只限於香港提取港元. 人民幣戶口之有關收費將按照此處列出之港元金額收取, 而人民幣金額以當日本銀行人民幣兌換港元之匯率收取 金額將計入銀聯雙幣白金信用卡之人民幣戶口內 9. 欲查詢適用於閣下的手續費, 請致電 24 小時客戶服務熱線 10. 欲查詢閣下的費用 / 利率, 請致電銷售熱線 1 66 備註 : i. 本行保留根據客戶之戶口紀錄並不時發出通知更改利率的權利 ii. 本行可不時通知客戶修改上述項目 iii. 客戶需接受上述之服務費及有關之條款及細則, 方可讓銀行為閣下繼續提供信用卡服務 如欲索取條款及細則或查詢上述項目, 請致電信用卡 24 小時客戶服務熱線 21 0 iv. 如閣下對此信用卡資料概要有任何意見, 請致函香港東九龍郵箱 697 號, 渣打銀行 ( 香港 ) 有限公司 v. 中 英文版本內容如有任何歧義, 概以英文版本為準 Manhattan Card 渣打銀行 ( 香港 ) 有限公司轄下部門 MCCL_CC_Key Facts 10/2014 Page 12 of 12