Fees and Charges

Fees and Chargesfor Products and

Services Updated as 2012

CONTENTS4Current Account

Savings Account

Fixed Deposit Account

a. Conventional Current Account b. Basic Current Account c. M2 Account d. Preferred M2 Account e. SuperSalary Account f. JustOne Current Account

7

13

Foreign Currency Deposits 14

Financial Goal Product 16

Needs Based Product 17

Equity Investment 17

18

19

a. e$aver b. Basic Savings Account c. Master Savings – Passbook d. Master Savings – Statement e. PowerP@y f. My Dream Account (Ordinary Savings) g. Senior Save Account h. Young Savers Account i. My Dream Account (Education Plan) j. JustOne Savings Account

Overdraf st

Credit Card

22

24

25

30

JustOne MasterCard Titanium

Personal Loan a. CashOne b. Quick Cash EdgeTM Classic c. Quick Cash EdgeTM

Mortgage

a. Term Loan b. MortgageOne™ c. MortgageOne™ Bonus d. MortgageOne Optimizer™ e. MortgageKLIBORPayroll Plus

31SME Banking

49Branch Services

a. Conventional Business Instalment Loan b. Business Instalment Loan Edge™ c. Comercial Mortgage – Term Loan d. Commercial Mortgage – Business MortgageOne™ e. Commercial Mortgage – SMI OneAccount™ f. Trade Services g. Current Account h. Fixed Deposit Account i. Foreign Currency Deposit j. Premium Service k. Straight2Bank Online Banking Service

a. Inward Remittances b. Outward Remittances c. Safe Deposit Locker d. OthersNote: SCBMB – Standard Chartered Bank Malaysia Berhad RDS – Rate Distribution System

g. Current Account Plus

Updated as of 01/10/12

CURRENT ACCOUNT

| CONVENTIONAL CURRENT ACCOUNT | M² ACCOUNT| PREFERRED M² ACCOUNT| SUPERSALARY ACCOUNT| JUSTONE CURRENT ACCOUNT| CURRENT ACCOUNT PLUS

TRANSACTION TYPES FEES/CHARGES

Minimum Deposit to Open Basic Current Account 005MR )laudividni(

Conventional Current Account 000,2MR

M² Account

000,2MR

Preferred M² Account 005MR

SuperSalary Account

deriuqer muminim oN

JustOne Current Account & Current Account PlusNo minimum required

Service Fee Half yearly service fee of RM10 is levied on accounts (excluding SuperSalary Account &JustOne Current Account) if the minimum monthly average balance falls below RM1,000 from 1 Jan to 30 Jun and 1 Jul to 31 Dec. No charges for overdraft facilities.

dne eht ta ecnalab eht fi tnuoccA M a no ylhtnom deivel si 01MR fo eef ecivres A 000,5MR woleb sllaf htnom eht fo yad yna fo

eht fi tnuoccA M derreferP no deivel si 51MR fo eef ecivres ylretrauq radnelac A 000,6MR woleb sllaf retrauq eht rof ecnalab yliad egareva

Debit / ATM Card Fees & Minimum Number of Transactions

Basic Current Account, Preferred M² Account, SuperSalary Account &

JustOne Current Account & Current Account Plus

Free ATM Card with unlimited ATM and over-the-counter access

Conventional Current Account and M² Account RM8 per annum per ATM Card with unlimited ATM and over-the-counter access

Issuance of Cheque Book RM7.50 (RM0.15 stamp duty per cheque leaf)

Postage and DeliveryCharges of Cheque Book

By ordinary mail (by default when ordered through I-Banking, Phone Banking and ATM) 1 – 2 cheque books – RM2.00

I BASIC CURRENT ACCOUNT

3 – 4 cheque books – RM4.00 5 – 10 cheque books – RM8.00 > 10 cheque books – RM15.00

4 books and below – RM5.00 5 - 7 books – RM6.00 8 - 10 books – RM10.00 10 books and above – RM20.00

Each cheque book – RM5.00By Courier Mail (by default for Priority Banking and SME Customers)

For Current Acount Plus

Courier Charges:No charge for first delivery via normal mail.Subsequent delivery:-

4


CURRENT ACCOUNTI BASIC CURRENT ACCOUNT | CONVENTIONAL CURRENT ACCOUNT | M² ACCOUNT| PREFERRED M² ACCOUNT| SUPERSALARY ACCOUNT| JUSTONE CURRENT ACCOUNT

Additional/Extra Service Overseas Withdrawal

Periodic Payment/Standing Instruction/Direct Debit Authorisation

Cash/Cheque Deposits

Dishonored Cheques due to Insufficient Funds

5

| CURRENT ACCOUNT PLUS


Dormant Account Current Accounts with no transactions for 1 year (12 months) will be considered as dormant. Any dormant account with a balance of RM10 and below will be deducted bythe Bank as dormant fee and the account will be closed. For account having a balanceof more than RM10, a dormant fee charge of RM10 per annum will apply until theremaining balances are sent to unclaimed monies as per Unclaimed Monies Act 1965

c)

a)

d)

RM1

RM8

RM20

RM0.50

*Limit of outward fund transfer: Up to RM9,999 per transaction

Service fee will be charged for every successful cash withdrawal made by a Standard Charteredaccount holder at the ATMs of HSBC BankMalaysia Berhad, OCBC Bank (Malaysia) Berhadand United Overseas Bank (Malaysia) Berhad

Free for JustOne Current Account subject to aminimum of RM1500 credited in one singletransaction

Replacement of ATM/Bankcard

a) To own account within the same branch (standard) - no charge

d) Any Standing Instruction involving manual intervention - RM50 per paymente) Rejected Standing Instructions - RM5 per rejected transaction

b) To 3rd party account with other SCBMB branches (automated) - RM2 per paymentc) To account with other banks (automated) - RM5 per payment plus postage and

other expenses incurred

b) Early account closure within 3 months

e) Service fee will be charged for every successfulMEPS GIRO transaction via ATM, Phone Banking(IVR), Online Banking or over the Teller Counter*

f) Free for JustOne Current Account subject to aminimum of RM1500 credited in one singletransaction

RM12 per withdrawal

RM150 per cheque returned

Other Fees and Charges

a) To another branch - no chargeb) Cheque issued by Government, State and Local Authorities - no chargec) Money/Postal Orders issued by Malaysian Postal Authority - no charge

5


CURRENT ACCOUNTI BASIC CURRENT ACCOUNT | CONVENTIONAL CURRENT ACCOUNT | M² ACCOUNT| PREFERRED M² ACCOUNT| SUPERSALARY ACCOUNT| JUSTONE CURRENT ACCOUNT

Additional/Extra Service Stop-Payment Instruction

Cheque Returned

5

| CURRENT ACCOUNT PLUS


Due to the cheque being post dated - RM10 on payee’s account

ExtraFree setup for Master SweepFree Phone BankingFree eStatement subscriptionFree Online Banking

a) Cheques are in a continuous series - RM20 per instructionb) Cheques are not in a continuous series - RM20 per chequec) Instruction is accompanied with a police report - RM20 per instructiond) Due to insufficient funds - RM150 per cheque

6


SAVINGS ACCOUNT I e$aver


Minimum Deposit to Open Any amount

Service Fee None

ATM Card Fees & Minimum RM8 per annum per ATM Card with unlimited ATM and over-the-counter access Number of Transactions

Dormant Account Account with no transactions for 1 year (12 months) will be considered lliw woleb dna 01MR fo ecnalab a htiw tnuocca tnamrod ynA .tnamrod sa .desolc eb lliw tnuocca eht dna eef tnamrod sa knaB eht yb detcuded eb egrahc eef tnamrod a ,01MR naht erom fo ecnalab a gnivah stnuocca roF

ot tnes era secnalab gniniamer eht litnu ylppa lliw munna rep 01MR fo .5691 tcA seinoM demialcnU rep sa seinom demialcnu

Other Fees and Charges a) Replacement of ATM/Bankcard RM8

02MR shtnom 3 nihtiw erusolc tnuocca ylraE )b

1MR lufsseccus yreve rof degrahc eb lliw eef ecivreS )c deretrahC dradnatS yb edam lawardhtiw hsac

knaB CBSH fo sMTA eht ta redloh tnuocca ,dahreB )aisyalaM( knaB CBCO ,dahreB aisyalaM

dahreB )aisyalaM( knaB saesrevO detinU dna

05.0MR yreve rof degrahc eb lliw eef ecivreS )d ,MTA aiv noitcasnart ORIG SPEM lufsseccus

ro gniknaB enilnO ,)RVI( gniknaB enohP *retnuoC relleT eht revo



lawardhtiw rep 21MR

7


SAVINGS ACCOUNT I e$aver


Additional/Extra Service Transfer of Funds

egrahc on – )dradnats( hcnarb emas eht nihtiw tnuocca nwo oT )a egrahc on – )detamotua( sehcnarb BMBCS rehto nihtiw tnuocca nwo oT )b

tnemyap rep 2MR – )detamotua( sehcnarb BMBCS rehto htiw tnuocca ytrap dr3 oT )c

Cash / Cheque Deposits

egrahc on – aera gniraelc emas eht htiw hcnarb rehtona oT )a egrahc on – aera gniraelc tnereffid ni hcnarb rehtona oT )b

egrahc on – seitirohtuA lacoL dna etatS ,tnemnrevoG yb deussi euqehC )c egrahc on – ytirohtuA latsoP naisyalaM yb deussi sredrO latsoP / yenoM )d

Extra

peewS retsaM rof putes eerF gniknaB enohP eerF

draCretsaM tibeD – draC tibeD eerF noitpircsbus tnemetatSe eerF

gniknaB enilnO eerF

8



Minimum Deposit to Open Basic Savings Account

02MR

Master Savings – Passbook

RM5,000 for non-individual laudividni rof A/N

Master Savings – Statement

RM5,000 for non-individual laudividni rof A/N

PowerP@y & JustOne Savings Account

deriuqer tisoped muminim oN

My Dream Account (Ordinary Savings)

RM2,000

Senior Save (age 50 and above)

RM5,000

Young Savers Account

RM1

Service Fee Senior Save (Age 50 and above)

Monthly service fee RM10 – applicable for account with average balance below htnom eht rof 000,2MR

Other Accounts

None

Debit / ATM Card Fees & Minimum Number of Transactions

Basic Savings Account Free ATM Card with unlimited ATM and over-the-counter access

Master Savings – Passbook

RM8 per annum per ATM Card with unlimited ATM and over-the-counter access

Master Savings – Statement


PowerP@y / Senior Save (Age 50 and above)

Free ATM Card with unlimited ATM and over-the-counter access

My Dream Account (Ordinary Savings)


JustOne Savings Account

No Debit/ATM Card

SAVINGS ACCOUNT I BASIC SAVINGS ACCOUNT I MASTER SAVINGS – PASSBOOK I MASTER SAVINGS – STATEMENT I POWERP@Y I MY DREAM ACCOUNT (ORDINARY SAVINGS) I SENIOR SAVE (AGE 50 AND ABOVE) I YOUNG SAVERS ACCOUNTI JUSTONE SAVINGS ACCOUNT

9



ATM Card Fees & Minimum Young Savers Account Number of Transactions No ATM Card. Only one cash / transfer withdrawal is allowed at least one month from

lawardhtiw tsal eht

Dormant Account Saving Accounts with no transactions for 1 year (12 months) will be considered as yb detcuded eb lliw woleb dna 01MR fo ecnalab a htiw tnuocca tnamrod ynA .tnamrod

ecnalab a gnivah stnuocca roF .desolc eb lliw tnuocca eht dna eef tnamrod sa knaB eht eht litnu ylppa lliw munna rep 01MR fo egrahc eef tnamrod a ,01MR naht erom fo

5691 tcA seinoM demialcnU rep sa seinom demialcnu ot tnes era secnalab gniniamer

Other Fees and Charges a) Replacement of ATM/Bankcard RM8

( Not applicable for Young Savers Account & JustOne Savings Account)


1MR lufsseccus yreve rof degrahc eb lliw eef ecivreS )c deretrahC dradnatS a yb edam lawardhtiw hsac

knaB CBSH fo sMTA eht ta redloh tnuocca dahreB )aisyalaM( knaB CBCO ,dahreB aisyalaM

dahreB )aisyalaM( knaB saesrevO detinU dna ( Not applicable for

(Not applicable for JustOne Savings Account)

Young Savers Account & JustOne Savings Account)

RM0.50

Free, if not RM0.50

lufsseccus yreve rof degrahc eb lliw eef ecivreS )d gniknaB enohP ,MTA aiv noitcasnart ORIG SPEM *retnuoC relleT eht revo ro gniknaB enilnO ,)RVI(


(Not applicable for Young Savers Account)

ytud pmats sulp 02MR koobssap tsol fo tnemecalpeR )e ytinmedni fo rettel no 01MR fo


lawardhtiw rep 21MR

sdnuF fo refsnarT

egrahc on – )dradnats( hcnarb emas eht nihtiw tnuocca nwo oT )a egrahc on – )detamotua( sehcnarb BMBCS rehto nihtiw tnuocca nwo oT )b

tnemyap rep 2MR – )detamotua( sehcnarb BMBCS rehto htiw tnuocca ytrap dr3 oT )c


JustOne Savings AccountSubject to a minimum of RM1500 credited in one single transaction

10



Additional/Extra Service Cash/Cheque Deposits

egrahc on – aera gniraelc emas eht htiw hcnarb rehtona oT )a egrahc on – aera gniraelc tnereffid ni hcnarb rehtona oT )b

egrahc on – seitirohtuA lacoL dna etatS ,tnemnrevoG yb deussi euqehC )c egrahc on – ytirohtuA latsoP naisyalaM yb deussi sredrO latsoP/yenoM )d

artxE

koobssaP & tnemetatS – sgnivaS retsaM

peewS retsaM rof putes eerF gniknaB enohP eerF

draCretsaM tibeD / nortcelE ASIV – draC tibeD noitpircsbus tnemetatSe eerF

gniknaB enilnO eerF

)evoba dna 05 egA( evaS roineS

Free Phone Banking draCretsaM tibeD / nortcelE ASIV – draC tibeD

noitpircsbus tnemetatSe eerF gniknaB enilnO eerF

seef noitcasnart on dna putes tibed tcerid eerF ecnarusni lacidem puorG esahcrup ot noitpO

eef xob tisoped efas no tnuocsid %05 eef ecnaussi euqehc s'rellevart eerF

etar egnahcxE ngieroF laicepS muimerp ycilop ecnarusni levart laicepS

Young Savers Account

Free Phone Banking draCretsaM tibeD / nortcelE ASIV – draC tibeD

noitpircsbus tnemetatSe eerF gniknaB enilnO eerF

JustOne Savings Account

Free Phone Banking noitpircsbus tnemetatSe eerF

gniknaB enilnO eerF


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SAVINGS ACCOUNT I MY DREAM ACCOUNT (EDUCATION PLAN)


Account Opening Fee RM100 plus RM20 (stamp duty)

Annual Account RM60 per annum – customer as trustee Management Fee RM150 when OSK Trustee Berhad assumes the of

Withdrawal Fee a) Waiver for two (2) withdrawals per year, thereafter at RM100 per withdrawal snosaer lacidem–non rof

000,1MR fo llib lacidem muminim a ot tcejbus( snosaer lacidem rof reviaW )b )ecnedive yratnemucod yb detroppus dna

Standing Instruction RM10 (stamp duty) for Standing Instruction setup htnom eht rof noitcurtsni deliaf hcae rof 5MR

Master Insurance Policy RM10 per copy (for customers who would like to hold a copy)

Account Closing Fee Nil

12


FIXED DEPOSIT ACCOUNT I Fixed Deposit


Interest Payable Interest is payable upon maturity of Fixed Deposits (for tenures of 1 – 12 months)

)shtnom 21 naht erom fo serunet rof( sisab ylraey flah a no elbayap si tseretnI

Minimum Deposit RM5,000 for tenures of 1 month

htnom 1 evoba serunet rof 000,1MR

sraey 5 & 4 ,3 ,2 dna shtnom 12 ,81 ,51 ,21 ,9 ,6 ,3 ,1 fo serunet elbixelF seruneT

Currencies Accepted MYR only

Premature Upliftment Based on Association of Banks in Malaysia (ABM) guidelines: snoitidnoC

diap eb lliw tseretni on :serunet shtnom 3 –1 fo stisopeD dexiF )1 :serunet shtnom 3 naht erom fo stisopeD dexiF )2

htnom detelpmoc hcae rof diap eb lliw

Partial Upliftment Based on ABM guidelines:

tseretni on ,shtnom 3 fo muminim detelpmoc ton sah tisopeD dexiF eht erehW )1 tnuoma detfilpu yllaitrap eht no diap eb lliw

ta tseretni ,shtnom 3 fo muminim detelpmoc sah tisopeD dexiF eht erehW )2

htnom detelpmoc tisopeD dexiF eht fo noitrop gniniamer eht no diap eb ot eunitnoc lliw tseretnI )3

detcartnoc yllanigiro sa

Aggregated Balances of Fixed Deposit placement(s) in excess of RM1,000,000 in aggregate will earn more than RM1,000,000 an interest of 1.5%p.a. on the sums exceeding RM1,000,000 across all placements

.serunet dna

)s(tnemecalp tisopeD dexiF fo noitrop eht ecalp ot thgir eht sah knaB ehT tnuocca tisopeD dexiF etarapes a otni etagergga ni 000,000,1MR gnideecxe

etar gniogerof eht ta

Withholding Tax* Interest earned on deposits > RM100,000 will be subjected to 5% of withholding tax denrae tseretni no

tnemnrevog naisyalaM eht yb deviaw yltnerruc si sihT *

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Interest Payable Interest is calculated on a daily basis and payable monthly or upon closure of ton lliw secnalab muminim deriuqer eht woleb gnillaf secnalaB .tnuoccA eht

.tseretni yna tcartta

Minimum Deposit To Open USD10,000 equivalent

woleb llaf secnalab esohw stnuocca laudividni lla rof degrahc si 01DSU fo eef A eeFsisab ylhtnom a no tnelaviuqe 000,01DSU eht

Currencies Accepted USD, AUD, NZD, EUR, GBP, SGD, JPY & HKD

Telegraphic Transfer TT Charges to and from a Foreign Currency Deposits Account will apply accordingly. secnattimeR drawtuO - secivreS hcnarB ot refer esaelp sliated roF

FOREIGN CURRENCY DEPOSITS I Foreign Currency Savings Account

14



Interest Payable Interest is payable upon maturity of Fixed Deposits


,shtnom 3 ,shtnom 2 ,htnom 1 ,skeew 2 ,keew 1 fo gnignar serunet elbixelF seruneTshtnom 21 dna shtnom 6

Currencies Accepted USD, AUD, NZD, EUR, GBP, SGD, JPY & HKD

Premature Upliftment No partial upliftment is allowed :woleb sa segrahc ytlanep ot detcejbus si tnemtfilpu ylrae ynA snoitidnoC

tsoC tnemecalpeR + eeF gnildnaH + deurccA tseretnI = ytlaneP latoT

:etoN

)tnelaviuqe ro( 05DSU si eeF gnildnaH x )etaR tcartnoC – etaR yaD tekraM tnerruC( = tsoC tnemecalpeR

ytirutaM ot syaD gniniameR

eht fo etad eht ta etaR tekraM tnerruC eht fi orez eb nac tsoC tnemecalpeR ehT etaR tcartnoC tisoped eht naht ssel si tnemtfilpu erutamerp

Withholding Tax* Interest earned on deposits > RM100,000 will be subjected to 5% of withholding tax denrae tseretni no

tnemnrevog naisyalaM eht yb deviaw yltnerruc si sihT*


FOREIGN CURRENCY DEPOSITS I Foreign Currency Fixed Deposits

15


FINANCIAL GOAL PRODUCT


Account Opening Fee RM100 plus RM20 (stamp duty)

Annual Account RM60 per year – customer as trustee Management Fee RM150 per year when OSKT assumes the of

Withdrawal Fee a) Waiver for two (2) withdrawals per year, thereafter at RM100 per withdrawal snosaer lacidem–non rof

000,1MR fo llib lacidem muminim a ot tcejbus( snosaer lacidem rof reviaW )b )ecnedive yratnemucod yb detroppus dna

Standing Instruction RM10 (stamp duty) for Standing Instruction setup htnom eht rof noitcurtsni deliaf hcae rof 5MR

Master Insurance Policy RM10/copy (for customers who would like to hold a copy)

Account Closing Fee Nil

16


NEEDS BASED PRODUCT

EQUITY INVESTMENT


Account Closing Fee Higher Education Fund & Retir

RM250 per account

tnuoccA evasemoH

RM50 per account

Account Management Fee Higher Education Fund & Retir

Charged on 31st of December annually

rehgih si revehcihw – raey rep 05MR / %52.0

tnuoccA evasemoH

Charged on 31st of December annually

raey rep 05MR


Transfer Fee RM30 per transferMarket Exchange Charges As imposed by the applicable Market Exchanges

17


OVERDRAFTS

SEGRAHC/SEEF SEPYT NOITCASNART

FIXED DEPOSIT OVERDRAFT Stamping Fee for Security Agreement over Bank Account (Charge Document) RM10 + 0.5% of Facility Amount

01MRreffO fo retteL rof eeF gnipmatS

Stamping Fee for Security Agreement over Securities (Charge Document) RM10 + 0.5% of Facility Amount01MRreffO fo retteL rof eeF gnipmatS

UNIT TRUST/RETAIL BOND OVERDRAFT

FOR ALL THE ABOVE OVERDRAFTS Commitment Fee on unutilised portion of overdraft facilities except: 1% a) Personal overdraft facilities with a limit up to RM250,000 eachb) Deceased accounts and legal block accounts. Legal block accounts are

c) Where the facility is frozen by the bank due to circumstances beyond the control of the borrower.

following legal actions; bankruptcy notice, creditor’s petition/winding up, bankruptcy, garnishee order and count order.

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CREDIT CARD


Annual Fees Principal Card Supplementary Card

Flexi

RMRM

5090

100175

N/A200

N/A300

Free350

400800

135250

Classic

Gold

Business Gold VISA

Business Platinum VISA

World MasterCard

Platinum

19



Finance Charges*

(Effective 20 April 2012)


Interest rate % p.a. on:

Retail Transactions Based on prompt repayment of minimum or full payment for:

i. Last 12 consecutive months is 15% p.a. ii. 10 months or more within the last 12 consecutive months is 17% p.a.iii. Less than 10 months within the last 12 consecutive months is 18% p.a.

Cash Advance 18% p.a. of the outstanding amount calculated on a daily basis from the transaction date until full repayment date.

Balance Transfer / Cheque-on-Call / if the monthly instalment is not paid in full on time every month. Cheque-on-Call Plus /FlexiPay / Flexi-On-Balance

Retail Transactions

(Effective 1st July 2008 onwards)Interest Free period 20 days from statement date – if all outstanding balance of the previous

months is fully paid.

charges on retail transaction (excluding Cash Advance or Balance Transfer /

Cheque-on-Call / Cheque-on-Call Plus / FlexiPay / Flexi-On-Balance) will be imposedfrom the day transaction is posted to the card account.

Cash Advance Fee A Cash Advance fee of up to 5% or minimum of RM25 will be imposed on each (applicable for Credit Card transaction (applicable for Credit Card and Cheque-on-Call / Cheque-on-Call Plus). and Cheque-on-Call /Cheque-on-Call Plus)

Overlimit Service A fee of RM50 will be charged only if Cardholder had exceeded his/her approved

credit limit.

Minimum Monthly 5% of the outstanding balance or a minimum of RM50 whichever is higher for:

For Cheque-on-Call Plus: The full amount of the monthly installment due.

Minimum RM10 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM100 per account.

Repayment i. Credit Cardii. Balance Transfer iii. Easy Payment Scheme iv. Cheque-on-Call v. FlexiPay vi. Flexi-On-Balance

Late Payment Charge*

Conversion for Overseas Determined by Visa and MasterCard International plus administration cost of 1%. Transactions

* Rates are subject to change from time to time.

4 20



Credit Card Statement RM5 per copy for statement 36 months and below shtnom 63 evoba tnemetats rof ypoc rep 01MR tseuqeR

Sales Slip Request RM20 for each transaction

Credit Balance Refund RM5 fee will be charged for each credit balance refund via Cashier’s Order. Charges waived if credit balance is transferred to a Standard Chartered Savings or Current Account.

Cheque-on-Call Plus

Interest Acceleration for loan instalment products

1) Balance Transfer payable (comprises of both principal and interest) for the entire applicable tenure. Cardmember has to settle in full the remaining pre-determined monthly instalment

2) Cheque-on-Call /

Payment in Foreign RM50 will be imposed on each foreign currency cheque received for Currency Cheque Credit Card payment.

Government Service Tax RM50 service charge on each Principal Card (charged annually by the RM25 service charge on each Supplementary Card

Royal Customs Department)

21


CREDIT CARD


Annual Fees Principal Card Supplementary Card

Flexi

MR MR

011 002 enOtsuJ

Finance Charges*

Interest rate % p.a. on:

Retail Transactions Based on prompt repayment of minimum or full payment for:

Cash Advance 18% p.a. of the outstanding amount calculated on a daily basis from the .etad tnemyaper lluf litnu etad noitcasnart

Balance Transfer / if the monthly instalment is not paid in full on time every month.

Retail Transactions

(Effective 1st July 2008 onwards)

Interest Free period 20 days from statement date – if all outstanding balance of the previous .diap ylluf si shtnom

aC gnidulcxe( noitcasnart liater no segrahc sh Advance or Balance Transfer /

yaPixelF / sulP llaC-no-euqehC / llaC-no-euqehC / Flexi-On-Balance) will be imposed .tnuocca drac eht ot detsop si noitcasnart yad eht morf

Cash Advance Fee A Cash Advance fee of up to 5% or minimum of RM25 will be imposed on each (applicable for Credit Card transaction (applicable for Credit Card and Cheque-on-Call / Cheque-on-Call Plus). and Cheque-on-Call /Cheque-on-Call Plus)

Overlimit Service A fee of RM50 will be charged only if Cardholder had exceeded his/her approved

.timil tiderc

Minimum Monthly 5% of the outstanding balance or a minimum of RM50 whichever is higher for:

Repayment i. Credit Card ii. Balance Transfer iii. Easy Payment Scheme iv. Cheque-on-Call v. FlexiPay vi. Flexi-On-Balance


Cheque-on-Call / Cheque-on-Call Plus /FlexiPay / Flexi-On-Balance

For Cheque-on-Call Plus: The full amount of the monthly installment due.

4


i. Last 12 consecutive months is 15% p.a. ii. 10 months or more within the last 12 consecutive months is 17% p.a.iii. Less than 10 months within the last 12 consecutive months is 18% p.a.

22



Late Payment Charge*

Conversion for Overseas Determined by MasterCard International plus administration cost of 1%. Transactions

Credit Card Statement RM5 per copy for statement 36 months and below shtnom 63 evoba tnemetats rof ypoc rep 01MR tseuqeR

Sales Slip Request RM20 for each transaction

Credit Balance Refund RM5 fee will be charged for each credit balance refund via Cashier’s Order. si ecnalab tiderc fi deviaw segrahC deretrahC dradnatS a ot derrefsnart

.tnuoccA tnerruC ro sgnivaS

Interest Acceleration for loan instalment products

1) Balance Transfer Cardmember has to settle in full the remaining pre-determined monthly instalment 2) Cheque-on-Call / payable (comprises of both principal and interest) for the entire applicable tenure.

Payment in Foreign RM50 will be imposed on each foreign currency cheque received for Currency Cheque Credit Card payment.

Government Service Tax RM50 service charge on each Principal Card

(charged annually by the RM25 service charge on each Supplementary Card

Royal Customs Department)


Cheque-on-Call Plus

4

(Effective 20 April 2012)Minimum RM10 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM100 per account.

23


CASHONE


Processing Fee Nil

Early Settlement

Late Payment/Default Rate Any default in payment shall be subject to additional interest at the rate of .tser yliad no detaluclac munna rep %1

one (1) month's prior written notice

Stamp Duty (Letter of Offer) 0.5% of the loan amount

QUICK CASH EDGE™ CLASSIC


Processing Fee Nil



QUICK CASH EDGE™


Processing Fee Nil

Early Settlement Quick Cash EDGETM

:ot tcejbus si noitpmeder lluF eciton nettirw roirp s’htnom )1( eno )a

ro nward-er eb ton llahs diaperp si hcihw ytilicaf eht rednu tnuoma yna )b deworrob-er

noitpmeder ylrae fo tneve eht ni elbayap si eeF tnemeltteS ylraE oN



PERSONAL LOAN

24


MORTGAGE I TERM LOAN


Processing Fee For size of loan up to RM30,000 – RM50

001MR – 000,001MR ot pu 000,03MR morf naol fo ezis roF

002MR – 000,001MR evoba naol fo ezis roF

Late Payment Fee Any default in payment shall be subject to additional interest at the rate of tser yliad no detaluclac munna rep %1

Early Redemption Fee An early redemption fee of 3% on the approved loan amount will apply for any early redemption during the locked-in period stated in the letter of offer. The

any period as stated in the letter of offer.

Note: Effective 1 July 2012, the early redemption fee is only applicable for loan packages where the Bank subsidizes the legal & valuation fees

Photocopies of RM25 per item (Bank’s discretion to charge higher amount if more work is required) Legal Documents including Letter of Offer

enoN eeF puteS

Maintenance Fee None

Total RM25 per letter Interest Paid for the Year

Statement Request Statements within 1 year fr

elcyc rep 01MR – nwodward tsrif fo etad retfa raey 1 > stnemetatS

Request for Issuance of RM50 per request Redemption Statement

Request for Issuance of RM20 per request

Request for Interest Rate RM50 per request (charged upon acceptance of new rate) Reduction

Cancellation Fee If customer were to cancel the Facility(ies) after accepting the Letter of Offer and before .eef noitallecnac a knaB eht yap llahs remotsuc ,)sei(ytilicaF eht fo nwodward tsrif eht ,seef lagel eht ecnanif ro raeb ot si knaB eht taht reffO fo retteL eht ni detalupits si ti fI

.tnuoma )sei(ytilicaF latot eht fo %52.2 si eef noitallecnac eht ,ytud pmats dna seef noitaulav noitaulav ,seef lagel eht raeb ot si remotsuc taht reffO fo retteL eht ni detalupits si ti fI

tnuoma )sei(ytilicaF latot eht fo %5.0 si eef noitallecnac eht ,ytud pmats dna seef

(applicable for approvedapplications only)

25







Early Redemption Fee


002MR fo eef emit enO eeF puteS

Maintenance Fee RM10 monthly

Utilisation Fee A Utilisation Fee shall be charged at the rate of 1%p.a. on the unutilised portion of the %03 si etaR noitasilitU eht revenehw etaD euD tsaL tA elbaliavA timiL naoL latoT

etaD euD tsaL tA elbaliavA timiL naoL latoT eht woleb ro )”leveL reggirT“(










MORTGAGE I MortgageOne™


An early redemption fee of 3% on the approved loan amount will apply for any early redemption during the locked-in period stated in the letter of offer. The


Note: Effective 1 July 2012, the early redemption fee is only applicable for loan packages where

the Bank subsidizes the legal & valuation fees

26










Maintenance Fee RM15 per month










MORTGAGEI MortgageOne™ Bonus (formerly known as FamilyLink)






27










Maintenance Fee RM15 monthly

Utilisation Fee Utilisation Fee of 1%p.a. to be charged on Actual Outstanding a fo ecnalaB teN gnidnatstuO demeeD eht revenehw lapicnirP naoL egagtroM

deludehcS eht fo )”leveL reggirT“( %03 woleb sllaf tnuoccA naoL egagtroM lapicnirP naoL egagtroM gnidnatstuO










MORTGAGEI MortgageOne Optimizer™






28









enoN eeF puteS

Maintenance Fee None










MORTGAGEI MortgageKLIBOR






29


PAYROLL PLUSI PAYROLL PLUS


Service Fee Charge of RM0.50 – RM2.00 will be levied for each employee account maintained BMBCS ta

non hcae rof tnes euqehc hcae rof deivel eb lliw 05.2MR – 05.1MR fo egrahC redloh tnuocca BMBCS

30



Late Payment/Default Rate 1%

Request for Issuance ofRedemption Statement*

RM50 per statement request. One month notice in writing is required.

p.a. on daily rest balance

SME BANKING I CONVENTIONAL BUSINESS INSTALMENT LOA

31


(Applicable for approved 1% of the Facility approved limit OR RM500, whichever is higher,is payable upon acceptance of the letter of offer.

RM500 or 1% of the outstanding balance, whichever is higher,is payable upon restructuring of the Facility.

Should the Customer request for partial settlement of the Facility duringthe 1st year, a prepayment fee of minimum RM5,000 or 10% will be levied on the amount prepaid whichever is higher.From the 2nd year onwards, the facility may be prepaid in part in multipleintergrals of RM1,000 subject to one month notice in writing being given to the Bank.

applications only)

Restructuring Fee

Structuring Fee

Prepayment

Should the Customer request for a redemption of the Facility during the1st year, a redemption fee of minimum RM5,000 or 10% will be levied onthe amount redeemed whichever is higher.During the 2nd year, a redemption fee of minimum RM2,500 or 5% will belevied on the amount redeemed whichever is higher.From the 3rd year onward, the facility may be redeemed subject to one monthnotice in writing being given to the Bank.

Redemption

Note: Effective 1 July 2012, the early redemption fee will not be applicable forindividual & sole proprietor borrowers.

Stamp Duty Fee 0.5% of the approved Facility limit as per the Stamp Duty Act 1949 (revised 1989)

SME BANKINGI BUSINESS INSTALMENT LOAN EDGE™


(Applicable for approved 1% of the Facility approved limit OR RM500, whichever is higher,is payable upon acceptance of the letter of offer.

0.5% of the approved Facility limit as per the Stamp Duty Act 1949 (revised 1989)

RM500 or 1% of the outstanding balance, whichever is higher,is payable upon restructuring of the Facility.

Prepayment that partially settles the outstanding sum (“partial prepayment”)is not allowed throughout the tenure of the Facility.Should the Customer request for a redemption of the Facility within thefirst two (2) years from the date of first drawdown, an early settlement feeof up to RM5,000 or 10% calculated on the full redemption amountwhichever is higher.

applications only)

Restructuring Fee

Structuring Fee

Prepayment/Redemption

t

Late Payment/Default Rate

Stamp Duty Fee

1%p.a. on daily rest balance



Note: Effective 1 July 2012, the early redemption fee will not be applicable for

individual & sole proprietor borrowers.

32


SME BANKING I COMMERCIAL MORTGAGE – TERM LOAN

4


Administrative Fee - applicablefor approved applications onlySME companies with annualturnover of RM25m and below

For shophouse, RM50 is payable upon acceptance of the letter of offer.For factory, RM200 is payable upon acceptance of the letter of offer.

Late Payment Fee Any default in payment shall be subject to additional interest at the rate of sa etar rehto hcus ro sisab tser yliad a no detaluclac .a.p %1

.emit ot emit morf su yb detalupits ebyam

krow erom fi tnuoma rehgih egrahc ot noitercsid s’knaB( meti rep 52MR fo seipocotohPLegal Documents including is required) Letter of Offer

Overdraft Facility Fee

If the Facility is cancelled by the Borrower after acceptance of this letter

to pay the Bank a cancellation fee amounting to RM5,000.00 or actual cost

incurred by the Bank, whichever is higher for processing and approving the

A yearly renewal / facility maintenance fee of RM200 is payable annually by the Borrower upon each anniversary date of this letter of offer. The Bankreserves the right to debit the account of the Borrower for facilitating thepayment of the renewal / facility maintenance fee.

Facility including but not limited to valuation fees, legal fees, stamp duty orany other charges incidental to the Facility.

Interest Paid for the Year

Request for Interest None Rate Reduction

Cancellation Fee



An early redemption fee of 3% on the approved loan amount will apply for any early redemption during the locked-in period stated in the letter of offer.

drawdown or any period as stated in the letter of offer.

Note: Effective 1 July 2012, the early redemption fee above is only applicable for SME

companies. For individual and sole proprietor borrowers, early redemption fees is only

applicable for loan packages where the Bank subsidises the legal and valuation fees.

33


SME BANKINGI COMMERCIAL MORTGAGE – BUSINESS MortgageOne™

4


reffo fo rettel eht fo ecnatpecca nopu elbayap si 002MR eeF puteS

Late Payment Fee Any default in payment shall be subject to additional interest at the rate of sa etar rehto hcus ro sisab tser yliad a no detaluclac .a.p %1



Monthly Maintenance Fee A monthly maintenance fee of RM10 shall be levied for the Business sesirohtua ylbacoverri ybereh reworroB eht dna tnuoccA enOegagtroM eht rof ylhtnom tnuocca tnerruc s’reworroB eht tibed otua ot knaB eht

.eef ecnanetniam eht fo tnuoma

Utilisation Threshold and Fee A utilisation fee of 1% per annum on the unutilised portion of the available eb yam sa etar hcus rehto ro( sisab tser ylhtnom a no detaluclac timil naol ylhtnom eht dluohs deivel eb lliw )emit ot emit morf knaB eht yb detalupits

naht ssel ro ot lauqe eb htnom ralucitrap taht rof etar noitasilitu egareva sesirohtua ylbacoverri ybrereh reworroB ehT .timil naol elbaliava eht fo %05 eht fo tnuoma eht rof tnuocca tnerruc s'reworroB eht tibed otua ot knaB eht

.derrucni os fi ,eef noitasilitu

Total Interest Paid for the Year



to pay the Bank a cancellation fee amounting to RM5,000.00 or actual costincurred by the Bank, whichever is higher for processing and approving theFacility including but not limited to valuation fees, legal fees, stamp duty orany other charges incidental to the Facility.

Cancellation Fee






drawdown or any period as stated in the letter of offer.Note: Effective 1 July 2012, the early redemption fee above is only applicable for SME



34


SME BANKINGI COMMERCIAL MORTGAGE – SMI OneAccount™

4


reffo fo rettel eht fo ecnatpecca nopu elbayap si 002MR eeF puteS

Late Payment Fee Any default in payment shall be subject to additional interest at the rate of sa etar rehto hcus ro sisab tser yliad a no detaluclac .a.p%1



Monthly Maintenance Fee A monthly maintenance fee of RM10 shall be levied for the sesirohtua ylbacoverri ybereh reworroB eht dna ™tnuoccAenO IMS rof ylhtnom tnuocca tnerruc s’reworroB eht tibed otua ot knaB eht

.eef ecnanetniam eht fo tnuoma eht

Total Interest Paid for the Year



to pay the Bank a cancellation fee amounting to RM5,000.00 or actual costincurred by the Bank, whichever is higher for processing and approving theFacility including but not limited to valuation fees, legal fees, stamp duty orany other charges incidental to the Facility.

Cancellation Fee






drawdown or any period as stated in the letter of offer.

Note: Effective 1 July 2012, the early redemption fee above is only applicable for SME



35


SME BANKING I TRADE SERVICES


1.0 EXPORTS

1.1 Bills for Collection (including those under Letter of Credit) Minimum – RM50

)1 etoN( 051MR – mumixaM )sllib MR rof 005MR mumixam(

1.2 Bills Purchased/ Collection/Handling Commission – 0.1% Negotiation/Discount (including those under Minimum – RM50 Letter of Credit i.e. OB,CBN & Maximum – RM150 (Note 1) ECR post–shipment) (maximum RM500 for RM bills)

1.3 Bills under Letter of Credit Document Checking Fee

Discrepant documents RM100 Non–Discrepant documents RM50

1.4 For foreign currency bills Charges in lieu of Exchange – 0.1% settled in foreign currency redit) charges in lieu of exchange will be imposed Existing customers

05MR – muminiM 003MR – mumixaM

sknab / sremotsuc-noN 001MR – muminiM

htiw dleh tnuocca hguorht ycnerruc ngierof emas eht ni delttes fi ylnO( )knab rehtona

1.5 Overdue Bills (Note 2) Penalty – BLR + 1% p.a. 001MR – eeF gnissecorP

1.6 Letter of Cr rom 0.125% per month 001DSU – muminiM

1.7 Pre–advise of Letter of Advising Commission – RM20 Credit (Note 3)

Letter of Credit Advising RM50 (Note 3)

Letter of Credit Amendments RM50 (Note 3)

Letter of Credit/Amendment USD50 Advising for Applicant’s Account

Note: OB – Outward Bills CBN – Credit Bills Negotiation ECR – Export Cr

36


SME BANKINGI TRADE SERVICES


1.8 Transfer of Letter of Credit – Commission – 0.125% per month full or partial transfer Borrowing Trade Customer Minimum – RM300 Non–Borrowing Trade Minimum – RM500 Customer

1.9 Amendment of Transfer Borrowing customer commission – min RM150 of Letter of Credit Non-Borrowing customer commission – RM200

1.10 Assignment of proceeds Commission – RM200

1.11 Credit Bills Negotiation of Commission – Minimum USD300 upfront to be deducted non–borrowing customers/ from proceeds other banks’ customers where no account is held with SCBMB

Note: 1. Only for Foreign Currency Bills 2. Interest above prescribed rate 3. ry's account

37




2.0 IMPORTS

2.1 Letter of Credit Issuance a) Sight Irrevocable/ Commission – 0.1% per month Revocable (Note 4) Minimum – RM50 b) Usance Irrevocable/ Commission – 0.1% per month Revocable (Note 4,5) Minimum – RM50

2.2 Letter of Credit Amendment a) Extention of validity date Commission – 0.1% (Note 6,4) Minimum – RM50 b) Increase of amount Commission – 0.1% (Note 7,4) Minimum – RM50 c) Other amendments Minimum – RM50 (Note 8)

2.3 Back to back Letter of Commission – 0.1% per month Credit Issuance Minimum – RM200

2.4 Back to back Letter of Commission – 0.1% Credit Amendment Minimum – RM150

2.5 Standby Letter of Credit Commission varies from 0.125% per month Issuance Amendment Minimum – RM50

Note: 4. Per month or part thereof for the validity of Letter of Credit 5. Per month or part thereof for the validity of Letter of Credit inclusive of the issuance period 6. On Letter of Credit value per month or part thereof on the extended period 7. On Letter of Credit value per month or part thereof on the incremental value of Letter of Credit 8. Plus cost of postage or telex

38




2.6 Negotiation of Import documents received under Letter of Credit:

a) Transit interest from date Interest (Note 11) of negotiation to date of payment

b) Drawing against expired Commission – 0.1% Letter of Credit (Note 9) Minimum – RM100

c) Drawing in excess of Commission – 0.1% Letter of Credit amount Minimum – RM100 (Note 10)

d) Discrepant documents Commission – Minimum – USD75 001MR – llib lacoL

2.7 Revolving Letter of Credit – Commission – 0.1% drawing up to original credit Minimum – RM50 amount (Note 12)

2.8 When reimbursement is Reimbursement fee made direct to the Letter of (TT payments only) Credit negotiating bank USD30 (Note 13)

2.9 Shipping Guarantees:

a) Under Letter of Credit Commission varies from 0.125% (Note 14) 05MR – muminiM

b) Not under Letter of Credit Commission varies from 0.125% (Note 14) 521MR – muminiM

c) If Shipping Guarantee is Additional 0.5% per annum of the invoice amount to be collected not returned within until date of redemption. 3 months

Note: 9. Per month or part thereof from Letter of Credit expiry date to Letter of Credit drawing date 10. Per month or part thereof from date of last drawing on the excess amount 11. Based on the prevailing interest rate of the bills currency plus margin as stipulated in the facility Letter of Offer 12. Per month or part thereof 13. Flat for foreign curr ry 14. Flat of invoice amount

REMARKSIf subsequently the total drawings thereunder exceed the face amount of the Letter of Credit (by reason of this revolving nature) the total charge payable shall be calculated upon the total amount of drawings from the date of Letter of Credit issuance to the date of maturity of Letter of Credit

REMARKSThis does not apply if Negotiating Bank is a Standard Chartered

ry

39




2.10 Inward Bills for Collection Handling Commission – 0.1% 05MR – muminiM

052MR – mumixaM (Note 15) sllib MR rof 005MR – mumixaM

2.11 Settlement of Inward Bills Reimbursement fee (TT payments only) for Collection to Remitting rency to be charged to the drawer Bank

2.12 Second & Subsequent Representation charges – USD25 for each presentation plus other presentation of Inward Bills expenses incurred for Collection

2.13 Dishonoured bills returned Commission – 0.1% to the Remitting Bank Minimum – USD25 plus accumulated other charges and mail cost

tsoc liam dna segrahc rehto detalumucca sulp 05DSU – mumixaM

2.14 Protesting of Inward Bills Protest Fee – USD100 excludes Legal expenses for Collection

2.15 Inward Bills where proceeds Handling Char are remitted through Minimum – RM50 another bank

2.16 Foreign Currency Cheques Handling Charge – 0.1% t for collection Minimum – RM50

052MR – mumixaM (Note 15) sllib MR rof 005MR – mumixaM

3.0 BANK GUARANTEE (Note 16)

3.1 Bank Guarantee Issuance Commission – From 0.125 % per month or part of month inclusive of any nigram hsac yb deruces fi doirep mialc

yb deruces fi ,ecnatpecca fo rettel devorppa rep sa 05MR – muminiM nigram hsac naht rehto laretalloc

3.2 Bank Guarantee Amendment Commission – From 1.0% per month or part of month on extension tnuoma fo esaercni ro yripxe fo

05MR – muminiM

3.3 Stamping of Bank Guarantee Stamp Duty – as per regulatory requir01MR – muminiM – segrahc gnillevarT

Note: 15. Foreign currency bills 16. Inclusive of performance bonds, bid / tender bonds, custom bonds, security bonds, etc.

40




4.0 INCIDENTALS

(IMPORTS & EXPORTS)

4.1 Fax charges other than Within Malaysia: RM2 those mentioned in the All other countries: RM5 roduct

4.2 Courier charges other than Within Malaysia: RM9 – RM15 those mentioned in the Asian countries: RM20 – RM60 roduct Other countries: RM20 – RM85

4.3 Postage (Registered Mail) Within Malaysia: RM10 02MR :seirtnuoc rehtO

4.4 Telex Charges: Within Malaysia: RM50 i) Full text Letter of Outside Malaysia: RM100 Credit/Guarantee

ii) Letter of Credit/Guarantee Within Malaysia: RM30 Amendment Outside Malaysia: RM60

4.5 Telex and Swift charges Within Malaysia: RM15 other than those mentioned Outside Malaysia: RM35 roducts

4.6 Tracers on Irregular Bills request by customer

41


SME BANKINGCURRENT ACCOUNTI BASIC CURRENT ACCOUNT | BUSINESSONE ACCOUNT| BUSINESS$AVER ACCOUNT


Minimum Deposit to Open Basic Current Account

005MR

BusinessOne Account

000,5MR

Business$aver Account

000,001MR

Service Fee Half yearly service fee of RM10 is levied on accounts if the minimum monthly .ceD 13 ot luJ 1 dna nuJ 03 ot naJ 1 morf 000,1MR woleb sllaf ecnalab egareva

seitilicaf tfardrevo rof segrahc oN

ATM Card Fees & Minimum Basic Current Account Number of Transactions Fee of charge for initial issuance of ATM Card with unlimited ATM access Interest Payable Interest is payable upon maturity of Fixed Deposits

Interest Payable Interest is payable upon maturity of Fixed Deposits

seeF launnA oN

Conventional Current Account and Business $saver Account

RM8 per annum per ATM Card with unlimited ATM access

Issuance of Cheque Book RM7.50 (RM0.15 stamp duty per cheque leaf)

Postage and Delivery By Courier Mail aisyalaM tsaE aisyalaM ralusnineP kooB euqehC fo segrahC

00.8MR 00.5MR skoob euqehc 4-1 00.9MR 00.6MR skoob euqehc 7-5 00.31MR 00.21MR skoob euqehc 01-8

00.32MR 00.51MR skoob euqehc 01>

Dormant Account Current Accounts with no transactions for 1 year (12 months) will be considered as yb detcuded eb lliw woleb dna 01MR fo ecnalab a htiw tnuocca tnamrod ynA .tnamrod

ecnalab a gnivah stnuocca roF .desolc eb lliw tnuocca eht dna eef tnamrod sa knaB eht eht litnu ylppa lliw munna rep 01MR fo egrahc eef tnamrod a ,01MR naht erom fo

5691 tcA seinoM demialcnU rep sa seinom demialcnu ot tnes era secnalab gniniamer

8MR MTA fo tnemecalpeR )a segrahC dna seeF rehtO


42


SME BANKINGCURRENT ACCOUNTI BASIC CURRENT ACCOUNT | BUSINESSONE ACCOUNT| BUSINESS$AVER ACCOUNT


Other Fees and Charges c) Service fee will be charged for every successful RM1 deretrahC dradnatS a yb edam lawardhtiw hsac

knaB CBSH fo sMTA eht ta redloh tnuocca dahreB )aisyalaM( knaB CBCO ,dahreB aisyalaM

dahreB )aisyalaM( knaB saesrevO detinU dna

Additional/Extra Service Cash/Cheque Deposits

egrahc on – hcnarb rehtona oT )a egrahc on – seitirohtuA lacoL dna etatS ,tnemnrevoG yb deussi euqehC )b

egrahc on – ytirohtuA latsoP naisyalaM yb deussi sredrO latsoP/yenoM )c

sdnuF tneiciffusnI ot euD seuqehC deruonohsiD

denruter euqehc rep 051MR

noitcurtsnI tnemyaP–potS

noitcurtsni rep 02MR – seires suounitnoc a ni era seuqehC )a euqehc rep 02MR – seires suounitnoc a ni ton era seuqehC )b

noitcurtsni rep 01MR – troper ecilop a htiw deinapmocca si noitcurtsnI )c euqehc rep 051MR – sdnuf tneiciffusni ot euD )d

denruteR euqehC

tnuocca s’eeyap no 01MR – detad tsop gnieb euqehc eht ot euD )a

43


SME BANKINGFIXED DEPOSIT ACCOUNT I Fixed Deposit


Interest Payable Interest is payable upon maturity of Fixed Deposits (for tenures of 1 – 12 months)

)shtnom 21 naht erom fo serunet rof( sisab ylraey flah a no elbayap si tseretnI

Minimum Deposit RM5,000 for tenures of 1 month

htnom 1 evoba serunet rof 000,1MR

sraey 5 & 4 ,3 ,2 dna shtnom 12 ,81 ,51 ,21 ,9 ,6 ,3 ,1 fo serunet elbixelF seruneT

Currencies Accepted MYR only

Premature Upliftment Based on Association of Banks in Malaysia (ABM) guidelines: snoitidnoC

diap eb lliw tseretni on :serunet shtnom 3 –1 fo stisopeD dexiF )1 :serunet shtnom 3 naht erom fo stisopeD dexiF )2

htnom detelpmoc hcae rof diap eb lliw

Partial Upliftment Based on ABM guidelines:

tseretni on ,shtnom 3 fo muminim detelpmoc ton sah tisopeD dexiF eht erehW )1 tnuoma detfilpu yllaitrap eht no diap eb lliw

ta tseretni ,shtnom 3 fo muminim detelpmoc sah tisopeD dexiF eht erehW )2

htnom detelpmoc tisopeD dexiF eht fo noitrop gniniamer eht no diap eb ot eunitnoc lliw tseretnI )3

detcartnoc yllanigiro sa

44



Interest Payable Interest is calculated on a daily basis and payable monthly or upon closure of ton lliw secnalab muminim deriuqer eht woleb gnillaf secnalaB .tnuoccA eht

.tseretni yna tcartta

knab eht ta ylelos detouq si dna seicnerruc lla rof elbayap eb ton yam tseretnI .snoitidnoc tekram egnahcxe ngierof ot tcejbus si dna noitercsid


woleb llaf secnalab esohw stnuocca lla rof degrahc si 01DSU fo eef A eeFsisab ylhtnom a no tnelaviuqe 000,01DSU eht

Currencies Accepted USD, AUD, NZD, EUR, GBP, SGD, JPY HKD, IDR, CAD, CHF & RMB


SME BANKINGFOREIGN CURRENCY DEPOSITS I Foreign Currency Call Account

45




,shtnom 3 ,shtnom 2 ,htnom 1 ,skeew 2 ,keew 1 fo gnignar serunet elbixelF seruneTshtnom 21 dna shtnom 6

Currencies Accepted USD, AUD, NZD, EUR, GBP, SGD, JPY HKD, CAD & CHF

Premature Upliftment No partial upliftment is allowed :woleb sa segrahc ytlanep ot detcejbus si tnemtfilpu ylrae ynA snoitidnoC

tsoC tnemecalpeR + eeF gnildnaH + deurccA tseretnI = ytlaneP latoT

:etoN

)tnelaviuqe ro( 05DSU si eeF gnildnaH x )etaR tcartnoC – etaR yaD tekraM tnerruC( = tsoC tnemecalpeR

ytirutaM ot syaD gniniameR

eht fo etad eht ta etaR tekraM tnerruC eht fi orez eb nac tsoC tnemecalpeR ehT etaR tcartnoC tisoped eht naht ssel si tnemtfilpu erutamerp


SME BANKINGFOREIGN CURRENCY DEPOSITS I Foreign Currency Fixed Deposit

46


SME BANKING I PREMIUM SERVICE


Cash Management Reports Daily Reports – RM200 per month per customer (Current Account & Weekly/Monthly Reports – RM150 per month per customer Fixed Deposit)

Daily Reports – RM200 per month per customerTrade ReportsWeekly/Monthly Reports – RM150 per month per customer

Daily Reports – RM300 per month per customerCash + Trade +Foreign Exchange Reports Weekly/Monthly Reports – RM250 per month per customer

RM100 per month per customer

RM10

RM10

Courier Service

Stamp Duty on Letter of Indemnity for Trade Services, Outward Telegraphic Transfer and RENTAS

Stamp Duty on Indemnity for SME Investment Products

47


SME BANKING I Straight2Bank ONLINE BANKING SERVICE


One off setup fees RM150

Monthly Maintenance Fees Viewing Only RM50 001MR snoitcasnarT dna gniweiV

)egrahc emit eno( tinu rep 07MR nekoT ocsaV

Telegraphic Transfer RM20 per transaction (if from MYR account) noitcasnart rep tnelaviuqe ro 02DSU (if from Foreign Currency Deposits Account)

Real time gross settlement RM9 per transaction (RTGS) / RENTAS payment / Local Bank Transfer

Direct Credit / GIRO RM0.50 per transaction

SCB Book Transfer RM0.50 per transaction

Local Bank Cheque RM2 + courier charges*

International Bank Cheque RM2 per item (if from MYR account) + courier charges* + )tnuoccA stisopeD ycnerruC ngieroF morf fi( meti rep tnelaviuqe ro 2DSU

*segrahc reiruoc

noitcasnart rep 1MR lloryaP

htnom rep 001MR ecivreS reiruoC(Daily pick-up – optional)

* RM5 courier delivery within West Malaysia RM10 courier delivery within East Malaysia Courier delivery to overseas depends on country of receipt

48


BRANCH SERVICES I INWARD REMITTANCES


1.0 INWARD REMITTANCES

1.1 Inward RTGS/RENTAS

a) Credit KL branch No charge (Jalan Ampang)

b) Credit other SCBMB Commission – RM5 for Peninsular Malaysia aisyalaM tsaE rof 01MR – noissimmoC sehcnarb

1.2 Inward TT payments/Mails/ Transfer/Payment Orders/Bills Payable/Demand Drafts

a) In Other Foreign Currencies i) Credit to account with Commission – RM5 SCBMB

ii) Credit to account with Commission – RM10 other banks

b) Pay by Cashier’s Order Commission – RM10 (account with other banks)

c) Pay via RTGS/RENTAS Commission – RM9

d) Pay on application & Commission – RM20

e) Credit Foreign Deposits USD20 (or equivalent) plus stamp duty/postages, telephone and cable elbacilppa erehw segrahc tnuoccA

49


BRANCH SERVICESI INWARD REMITTANCES


1.3 Encashment of Interbranch Standard Chartered Cheques (Personal Cheques)

a) Malaysian Cheques No charge

b) Singapore/Brunei 1% of cheque amount (minimum – RM30) plus stamp duty RM0.15 (Inter–zone for Personal and phone call charges Account)

c) By Counter Cash Commission – RM2 Withdrawal Voucher on Personal Current Account

1.4 Purchase of Foreign Currency 0.5% on cheque amount (minimum – RM50) plus stamp Cheques Clean Bills/Cheques/ duty/correspondent bank’s charges, if any Pension Warrant/Divident Warrant/Internal Postal/ Money Order

1.5 Foreign Currency Cheques Commission – 0.1% on cheque amount (minimum – RM50, sent for Collection maximum – RM200) plus stamp duty/correspondent bank’s charges

1.6 Cheques sent as Bills for 0.2% on cheque amount plus correspondent bank’s charges Collection from Singapore (minimum – RM20)

1.7 Travellers Cheques Encashment

Standard Chartered Group VISA / No charge, except for stamp duty of RM0.15 per cheque, if applicable AMEX Travellers Cheque sold by Standard Chartered Bank (Repurchase)

Other Bank’s Travellers Cheque 1% on value encashed being commission / handling fees (including VISA / AMEX not sold (minimum - RM20) plus RM0.15 stamp duty per cheque by Standard Chartered Bank)

50


BRANCH SERVICES I OUTWARD REMITTANCES


2.0 OUTWARD REMITTANCES

2.1 CASHIER’S ORDER

ytud pmats sulp meti rep 2MR – noissimmoC ecnaussI )a

b) Cancellation/Repurchase of Commission – RM2 per cashier’s order refunded Cashier’s Order from applicant

2.2 Demand Drafts in Foreign Currencies a) Issuance

i) RM equivalent up to Commission RM2 RM5,000

ii) RM equivalent above No charge RM5,000

iii) Draft in EURO Commission RM2 if amount is equivalent to RM5,000 and below. stnuoma lla rof tfard rep 3RUE fo egrahc lanoitiddA

iv) Draft in AUD No charge

b) Amendments Commission – RM10

c) Refunds/Cancellation Commission – RM20

d) Stop Payment for Lost Draft Cable cost to destination country of drawee bank

2.3 Draft issued in Bangladeshi Taka, Pakistani Rupee, Indonesian Rupiah and Philippine Pesos

a) Issuance of Demand Drafts in Taka (BDT)

i) RM equivalent up to Commission – RM6 (consisting of RM2 fee allowed under ABM plus RM5,000 RM4 to account for the clearing charges of BDT50 and the 15% VAT)

ii) RM equivalent above RM5,000 Commission – RM4 (Bangladesh clearing charges and VAT)

Issuance of Demand Drafts in Pakistani Rupee, Indonesian Rupiah and Philippine Pesos

51


BRANCH SERVICESI OUTWARD REMITTANCES


RM equivalent up to RM5,000 Commission – RM6 (consisting of RM2 fee allowed under ABM plus )TAV %51 eht dna 05TDB fo segrahc gniraelc eht rof tnuocca ot 4MR

RM equivalent above RM5,000 Commission – RM4 (Bangladesh clearing charges and VAT)

a) Amendments Commission – RM10

b) Refunds/Cancellation Commission – RM20

c) Stop Payment for Lost Draft Cable cost to drawee bank plus RM15 tfard akahD rof 53MR fo noissimmoc lanoitiddA

2.4 Outward TT in RM a) Outward RENTAS RM9 per transaction (RM10,000 and above) b) Inter-bank GIRO payment RM0.50 per transaction (below RM10,000)

2.5 Outward TT in Currency of Destination Country

ASEAN Countries Cable – RM25 woleb dna 000,5MR ot tnelaviuqe tnuoma fi 01MR – noissimmoC

All other countries, except USA Cable – RM30 (Refer to 2.7 & 2.8 for USD) Commission – RM10 if amount equivalent to RM5,000 and below

TT to Australia Cable – RM30 .woleb dna 000,5MR ot tnelaviuqe tnuoma fi 01MR – noissimmoC .tnemnrevoG nailartsuA rof 51MR fo egrahc noissimmoc lanoitiddA

stnuoma lla rof xaT ecivreS

TT in EURO currency Cable – RM30 .woleb dna 000,5MR ot tnelaviuqe tnuoma fi 01MR – noissimmoC

stnuoma lla rof 02RUE fo noissimmoc lanoitiddA

TT to Bangladesh in BDT Cable – RM30 woleb dna 000,5MR ot tnelaviuqe tnuoma fi 03MR – noissimmoC

2.6 Outward TT in USD to New York Cable – RM35 woleb dna 000,5MR ot tnelaviuqe tnuoma fi 01MR – noissimmoC

52


BRANCH SERVICES I OUTWARD REMITTANCES


2.7 Outward TT in USD to 2 cable charges depending on country 3rd party country Commission – RM10 if amount equivalent to RM5,000 and below

2.8 Outward TT in Third Party Cable char

.nigiro ycnerruc fo yrtnuoc ot egrahc elbac seicnerruC Other than in USD Commission – RM10 if amount equivalent to RM5,000 and below

2.9 Debit Foreign Currency USD40 (or equivalent) plus cable charges Deposits Account

* To follow section F of ABM rules on Inland Exchange of minimum RM0.50 or maximum RM500.00.

53


BRANCH SERVICESI SAFE DEPOSIT LOCKER

EEF LATNER LAUNNA TNEMERUSAEM NOITACOL HCNARB

)8002/3/1 evitceffe(

011MR ni12 x ni5 x ni4 gnapmA nalaJ 051MR ni12 x ni8 x ni4 002MR ni12 x ni8 x ni8 003MR ni12 x ni61 x ni8

004MR ni12 x ni61 x ni61

)sdraobpuC( gnapmA nalaJ 525MR ni12 x ni03 x ni71 poT 006MR ni12 x ni03 x ni52 elddiM 528MR ni12 x ni03 x ni43 mottoB

011MR ni02 x ni6 x ni4 011MR ni02 x ni5 x ni5 002MR ni02 x ni31 x ni4 003MR ni02 x ni31 x ni7 004MR ni02 x ni31 x ni21


011MR ni02 x ni5 x ni5 ayaJ gnilateP 051MR ni02 x ni01 x ni3 002MR ni02 x ni01 x ni5 003MR ni02 x ni01 x ni01

033MR ni02 x ni5.61 x ni5.61

011MR ni12 x ni5 x ni3 ulabaniK atoK 002MR ni22 x ni8 x ni4 003MR ni22 x ni8 x ni8 214MR ni22 x ni61 x ni8 022MR ni22 x ni01 x ni7.4


011MR ni12 x ni5 x ni3 gnihcuK 521MR ni12 x ni5 x ni5 051MR ni12 x ni01 x ni3 002MR ni12 x ni01 x ni5 003MR ni12 x ni01 x ni01

011MR ni12 x ni5 x ni4 nakadnaS 051MR ni12 x ni8 x ni4 051MR ni12 x ni3 x ni01 002MR ni12 x ni8 x ni8


011MR ni81 x ni5 x ni3 uawaT 051MR ni81 x ni01 x ni3 002MR ni81 x ni01 x ni5


* Basic Insurance Coverage is limited to RM10,000 per locker

54


BRANCH SERVICES I OTHERS


Document Request a) Banker's Report – RM25 52MR – ecnerefeR fo retteL )b

05MR – noitamrifnoC s'rotiduA )c stnirpeR tnemetatS laicepS )d

)etad tnemetats morf raey eno nihtiw stnirper rof( tnemetats rep 5MR .i retfa raey eno naht erom stnirper rof( tnemetats rep 01MR .ii

)etad tnemetats gniraelc fo egami fo ypoC )e 11MR – knab gniyap/knab gnitcelloc morf euqehc

Photocopying of Documents RM1.50 – RM2.50 will be levied for each cheque sent for each non redloh tnuocca BMBCS

BMBCS yb lavorppa ot tcejbus dna ylno sremotsuc gniknaB ytiroirP roF ecivreS liaM dloHtnorfpu detcelloc munna rep 002MR

Maintenance Fee

a) Priority Banking a) A monthly service fee of RM100 will be imposed if the account balance fo secnalab eht fi ro 000,052MR woleb sllaf )stnemtsevni ro/dna stisoped(

000,008MR woleb sllaf tnuoma naol gnisuoh

b) Preferred Banking b) A monthly service fee of RM50 will be imposed if the account balance fo secnalab eht fi ro 000,27MR woleb sllaf )stnemtsevni ro/dna tisoped(

000,004MR woleb sllaf tnuoma naol gnisuoh

MIDF/MIH Cashier’s Order

redro s’reihsac rep 51.0MR ytud pmats ,redro s’reihsac rep 2MR – noissimmoC ecnaussI )a

b) Issuance to Priority Banking Limited to 10 cashier’s order per customer. No commission, stamp duty era segrahc ,redro s’reihsac 01 evobA .redro s’reihsac rep 51.0MR remotsuc

MMG sa emas eht

c) Cancellation/Refund Commission – RM2 per cashier’s order

Encashment Facility RM100 per year per instruction setup (collected upfront)

* To follow section F of ABM rules on Inland Exchange of minimum RM0.50 or maximum RM500.00.

55




Exchange Rate used for foreign currency transaction

a) Priority Banking customers “C” Rate from RDS for amount up to RM500,000 equivalent. srelaed yb detouq eb ot etar ,000,005MR sdeecxe tnuoma fI

b) General and SME Non–account “A” Rate from RDS for amount up to RM500,000, rate to be quoted holder transaction by dealers

c) General and SME account “B” Rate from RDS for amount up to RM500,000 equivalent. srelaed yb detouq eb ot etar ,000,005MR sdeecxe tnuoma fI sredloh

d) Corporate customers “B” Rate from RDS for amount up to RM150,000 equivalent. srelaed yb detouq eb ot etar ,000,051MR sdeecxe tnuoma fI

Rental of Safe Deposit Boxes by 50% discount on the published rate Priority Banking customers

eeF ecivreS aiV refsnarT GBI SPEM(Outward Funds Transfer) Savings/Current Account

* Limit of outward fund transfer amount:

noitcasnart rep 999,9MR ot pU

noitcasnart lufsseccus yreve rof degrahc si eef ecivreS

Miscellaneous Work a) Reconstruction of old savings records, payments, etc teehs rep 5MR – raey 1 nihtiw stnemucoD )i )ytraP dr3 yb segrahc drocer laveirter sulp(

teehs rep 02MR – raey 1 > stnemucoD )ii )ytraP dr3 yb segrahc drocer laveirter sulp(

ylno syad 09 nihtiw gnidrocer VTCC fo gniweiV )b

01MR – segrahc evitartsinimda rehto llA )c

* To follow section F of ABM rules on Inland Exchange of minimum RM0.50 or maximum RM500.

56



ATM / Debit Card

gniknaB EMS gniknaB ytiroirP gniknaB derreferP srehtO noitpircseD

8MR eerF eerF 8MR draC weN )a

8MR eerF eerF 8MR eef launnA )b

c) Replacement of lost/damaged cards RM8 RM8 Free RM8

d) Replacement of faulty cards (newly issued) Free Free Free Free

5MR 5MR 5MR 5MR .on NIP fo tnemecalpeR )e

f) HOUSe Network* Withdrawal RM1 RM1 Free RM1

g) HOUSe Network* Balance Enquiry Free Free Free Free

21MR eerF 21MR 21MR lawardhtiW hsaC saesrevO )h

* HOUSe Network consists of Standard Chartered Bank Malaysia Berhad, HSBC Bank Malaysia Berhad, OCBC Bank (Malaysia) Berhad and United Overseas Bank (M) Bhd

MEPS Shared ATM Network

DescriptionPriority BankingPreferred BankingOthers

(per transaction)

** average daily account balance = Total balance of each day of the month / Total no. of days in a month

First 3 MEPS SANwithdrawals each month:

RM 1


RM 1

Free

3rd MEPS withdrawalonwards: RM4

4th MEPS withdrawalonwards: RM4

5th MEPS withdrawalonwards: RM4

Free

Cash withdrawal

a

b

Balance enquiry Free

Cash withdrawal(JustOne Current

(OtherCurrentAccount orSavingsAccount)

Account)

4MR4MR4MR


RM 1

NOTE: this applies ONLY IF your average daily account balance across all your Ringgit current and savings accounts in the previous month exceeded RM5,000. Otherwise, the fee will be RM4 per transaction

57


Customer Service 1300 888 888

Branch Directory

Alor Setar55, Lot 5 & 5ABangunan EMUM Jalan Gangsa KawasanPerusahaan Mergong 205150 Alor SetarKedah Darul Aman

Batu Pahat 7, Jalan KundangTaman Bukit Pasir83000 Batu PahatJohor Darul Takzim

Bintulu89, Keppel Road97000 BintuluSarawak

Bukit Tengah (Prai) 1816, Lengkok Perusahaan Maju Bukit Tengah 13600 Seberang PraiPenang

Butterworth Level 1, NB Tower 15050, Jalan Bagan Luar12000 ButterworthPenang

Damansara Utama18-22, Jalan SS 21/39Damansara Utama47400 Petaling JayaSelangor Darul Ehsan

Ipoh21-27Jalan Dato Maharaja Lela30000 Ipoh Perak Darul Ridzuan

Jalan Ipoh33-35, Jalan Ipoh51200 Kuala Lumpur

Jalan Sultan IsmailNo. 36 Jalan Sultan Ismail50250 Kuala Lumpur

Johor Bahru24-26, Jalan Harimau TarumTaman Century80250 Johor BahruJohor Darul Takzim

Kajang 36 & 37Jalan Prima Saujana 1/1ATaman Prima SaujanaSeksyen 143000 KajangSelangor Darul Ehsan

Kepong49 & 51, Ground FloorJalan Metro Perdana Barat 1Taman Usahawan Kepong52000 Kuala Lumpur

Klang 11, 15 & 17Jalan Kepayang41050 KlangSelangor Darul Ehsan

Kota Damansara 2-1, 2-2, 2-3, 2-3A & 2A-1Jalan PJU 5/17Dataran SunwayKota Damansara47800 Petaling JayaSelangor Darul Ehsan

Kota Kinabalu 20, Jalan Haji Saman88000 Kota KinabaluSabah

Kuantan 1-3, Jalan Haji Abdul Aziz25000 KuantanPahang Darul Makmur

Kuching Wisma Bukit Mata KuchingJalan TAR93100 KuchingSarawak

Lot 10 Shopping Centre R4, 2nd Floor, Lot 10 Shopping Centre50, Jalan Sultan Ismail50250 Kuala Lumpur

Melaka671 & 672Jalan Melaka Raya 8Taman Melaka Raya75000 Melaka

Miri1383 & 1384Block 10Centre Point Phase IIJalan Kubu98000 MiriSarawak

Penang 2, Lebuh Pantai10300 Penang

Petaling Jaya 30-36, Jalan 52/446200 Petaling JayaSelangor Darul Ehsan

Port Dickson61, Jalan Baru71000 Port DicksonNegeri Sembilan Darul Khusus

Puchong30 & 32, Jalan Puteri 1/2Bandar Puteri Puchong47100 PuchongSelangor Darul Ehsan

Sandakan Jalan Pelabuhan90000 SandakanSabah

Seremban 127A & 128Jalan Dato Bandar Tunggal

nabmereS 00007 Negeri Sembilan Darul Khusus

Sibu Jalan Tukang Besi96000 SibuSarawak

Sitiawan 16-20, Jalan Lumut32000 SitiawanPerak Darul Ridzuan

Subang Jaya 1, Jalan USJ 10/1F47620 UEP Subang JayaSelangor Darul Ehsan

Taiping25, Jalan Pasar34000 TaipingPerak Darul Ridzuan

Taman Molek 86 & 88 Jalan Molek 2/2Taman Molek81100 Johor BahruJohor Darul Takzim

Tawau518, Jalan Habib Hussin91000 TawauSabah

standardchartered.com.my

4 2

Standard Chartered Saadiq Berhad Financial Centre

Ampang Point44, Jalan Mamanda 9Ampang Point68000 Selangor Darul Ehsan

Shah AlamNo. G15, Blok 3, No. 7Persiaran SukanLaman Seri Business ParkSeksyen 13, 40100 Shah AlamSelangor Darul Ehsan

Taman Tun Dr Ismail50, 52 & 54, Jalan Burhanuddin HelmiTaman Tun Dr Ismail60000 Kuala Lumpur

Bandar Bukit TinggiA-G-2 Ground FloorSouth Tower (Tower A)BBT One, The TowersLebuh Batu Nilam 1Bandar Bukit Tinggi41200 Klang

Kota Kinabalu1 Borneo HyperMallJalan SulamanG-813 Ground Floor88400 , Kota Kinabalu, Sabah

Taman ConnaughtNo. 140, Jalan CerdasTaman ConnaughtCheras 56000 Kuala Lumpur

Nusa BestariNo. 1, Jalan Bestari 8/2Taman Nusa Bestari 81300 SkudaiJohor Bahru

BangsarNo. 44 & 44AJalan Telawi 5 Bangsar Baru59100 Kuala Lumpur

58
