¡@

¡@

BOC Express Cash Card Fees Schedule(a)
(Effective date:22 March, 2002 )
     
1. Annual Fee Free
      
2. Cash Advance(b) / Balance Transfer(b) / Credit Limit Deposit(b) / Payment or fund transfer through ¡§JET Payment¡¨(b) Handling Fee
   
¡EAccount opened before March 22, 2002 Cash Advance / Balance Transfer / Credit Limit Deposit / Payment or fund transfer through ¡§JET Payment¡¨ in Hong Kong: 1% plus HK$20 per transaction (1% plus HK$25 per gift cheque purchase through ATM)
  
Cash Advance in Mainland China & Macau: 2% plus HK$20 per transaction
¡EAccount opened on or after March 22, 2002 Cash Advance / Balance Transfer / Credit Limit Deposit / Payment or fund transfer through ¡§JET Payment¡¨ in Hong Kong: 2% plus HK$20 per transaction (2% plus HK$25 per gift cheque purchase through ATM)
  
Cash Advance in Mainland China & Macau: 2% plus HK$20 per transaction
  
3. Minimum Payment 3% of total outstanding amount (subject to a minimum of HK$40)
  
4. Privileged Interest Rate(c) As prescribed for each cardholder, subject to a maximum of 24.5% per annum (APR 28.32%(d))
  
5. Overdue Interest Rate(c) 30% per annum (APR 35.39%(d))
  
6. Returned Cheque & Rejected Autopay Charge HK$100 per transaction
  
7. Statement Copy Retrieval Fee
¡EWithin the latest 2 months Free
¡EPreceding the latest 2 months HK$50 per copy
  
8. Sales Slip Retrieval Fee HK$30 per copy
  
9. Re-issue Card Fee HK$100 per card
  
10. Foreign Currency Cheque Repayment Fee HK$100 per cheque
   
11. Credit Balance Refund Fee HK$50 per transaction
    
12. Credit Reference Letter HK$200 per copy

¡@

Remarks
(a) These charges are subject to revisions from time to time.
(b) Any withdrawal or fund transfer of the credit balance or any part thereof from the card account by the cardholder, except effected by way of a refund procedure prescribed by the Company from time to time, will be treated as a cash advance transaction
(c) This rate applies to all purchasing , cash advance, balance transfer, credit limit deposit and payment or fund transfer through ¡§JET Payment¡¨ transactions.
(d) This Annualized Percentage Rate (APR) is computed in accordance with directions given by the Hong Kong Monetary Authority.