GN150-47 (2/2015)

1

1-3

4

5

6

6-7

/ 8-9

/ MANHATTAN 9-10

11-14

/ / / 14-15

16-17

UPremium 200#

U 300##

U 500###

# 6 / / 50,000 / 50,000 / / / 80,00062

## 6 / / / 100,00062

### 1 / 500,000 1 (: 2014224)

900 () 360 () 120 ()

3

1,000,000 400

400 500,000

500,000 0

200,000

150

150 200,000

200,000 0

10,000 0 0U 201131201096/

U / 100 / 20

() () () ^

() () () ^

^ WorldMiles(American Express)()

U

U

U / / 150U / / 19U / / 200U / / 100U / / 13U / / 50

1

U90U11U80

U200U26

U 1%*U*U + 4%*U + 6% *U +

8%* +8%

U60U70U80U100U100U120

U ^

U ^

U100%

U ^

U0% 200 200 200 20,000 200 200 200 200 200 200

^

2

U 10,000

100

U xU nU / Click-a-CountInvestPro

U /

/ 50

100

x # x /

UUU

U100^

U100U150

U 150

U+

U55*U V>

UU 50U V>

U 28

U 6>*1-28

U >i>`28

U15## 12 /

UU150U V>

# ^ Click-a-Count

+ * 65 Click-a-Count

3

/

U / U /

1,000 1,000 1,000 1,0001,000 1,000 3,500 2,50010,000 150,000UU / 0.25%

U

U

U

U

U0.25%50

U0.375%60

U150

UUU

UU0.5%50U150

UU

U200U150

4

U60

U80U96U120

U120*^

U140*U160*U170*U200*

U60*^

U70*U80*U85*U 100*

U U250

CHATsUUUU

U170U22U22U170

U200*^

UUUU

U250*U250*#

U150#

U100

* ^ #

5

CHATsUUUU

UU5 / 0.65 / 0.70 / 5U 15 / 1.95 / 2.10 / 15

UU24.75 / 3.15 / 3.06 / 24.75U38.5 / 4.9 / 4.76 / 38.5U44 / 5.6 / 5.44 / 44U55 / 7 / 6.8 / 55

U65

U6>wi5U 10

U6>wi30U

50

U6>wi4U 6

U6>wi25U 40

300 50

/ U - U - 50

UUU

U250U750U1,000

UU

U30U50

U200U 300

/ U75U 150

6

200

UU

U100U2,000

5,000

200500

300

500

Click-a-Count

20

2

U200U200

UU0.25%50

U500U500

UU2%50

U30U30

UU2 1

7

- 1,000

100

/ 100

100

1,000

200

1 500

U1

U2

U2

U2

U2

U

U ]U ]U ]U ]U ]U x

2,000

/ / 1,000

U U1,000

1 1,000

/ / /

5%

130

MortgageOneUUUU

U ]U xUU1,000U600

1 / -iV}>

2 -iV}>400

8

UU

U ]U x

>UUU / UUU "i U "i

U xU500U / 500U500U500

U30U50

U30U50

UUUU

U1%U1%U0.5%U

U x

U5,000

UUU

U1-2%^*

U2.5%U1,000

UU

U2.5%U1,000

UU

U1%200700U70

9

^ 2886 0866*

U - 3001%#

UU

U#

U0.019%3

10

MANHATTAN U1%

UU () ()

U^

5% 9%

U5

UMANHATTAN U1% (50)

MANHATTAN U100

U U200

U25

U / U75

U30

^ 2210 8888

U

U1%50

/ U

U6090

U 8%:

(i) (ii)

U100

/ U120

U100

U100

U U130

UU

U30U50

U / U75

2001530 100 # 242886 4111

*U 6> / / / U 6> / U />U / / Preferred Banking / Preferred

Banking / / / /

U "-6> / 6>-}>iU / U 6>wiUWorldMiles(American Express)U V>/>U // *>U // />6> / U // wU // 6> /

U250U550U600U1,800

U1,800U2,400U6,000UUU1,800U600U330U216

()U 6> / U 6> / ( / / )

U125U275

UWorldMiles(American Express)

U250 (20131118)

UU // U6>wi / / Preferred Banking / / Preferred Banking

U

^

(i) (ii)

U0.067% (^^ 25.53%)U2.625% (^^ 34.04%)U0.082% (^^ 31.73%)

U0.086% (^^ 33.41%)

**

UU // U6>wi / / Preferred Banking / / Preferred Banking

U

^

U0.082% (^^ 34.41%)U2.625% (^^ 37.24%)U0.082% (^^ 34.67%)

U0.086% (^^ 36.54%)

11

#

125275300+

++

+++

900300160108

125(20131118)

* # MANHATTAN id PlatinumMANHATTAN id+ 3900++ 31,200+++ 6>wi3**

^ 24

^^

U

U //

U

U0.014%^

U0.022%^ / 0.014%^

U0.42%^

U0.5%^

U0.014%^

U0.0165%^

,**U***6> /

U3%55U3.5%100

** 24

U

U5%130200U5%180350

U U

( / ) 120

100

UU //

U100U15100

U MANHATTAN

U

U40U50U70

U

U

U30U50U50

/ UU //

U75U75 ()

12

^ 24

** ***

(6>wi) 180

U "-6> U200 ()

MANHATTAN (WorldMiles(American Express)6>-}>i"-6>)UU

UU150

MANHATTANUUU

U200UU1% (300)

MANHATTANUU

U100U

(6>wi)

30

U

U //

U180a) b)

c) / d) 1%

U180a) b)

c) / d) 1%

() U

UWorldMiles(American Express)

U 6> /

U

U()1.25%0.75% (2%)

U6>>i>`International 6> MasterCard International1% 0.95% (1.95%)

13

/ MANHATTAN/Plus

24 / 183 6336

() U U >i>` i>>0.2%

MasterCard International

U

U 6> /

U >i>` i>>0.8%MasterCard International

U

U U

UUU

UU100U

UUU

UU1%U100*

*

i) ii) iii) /68397()

iv)

24MANHATTAN 2881 0888MANHATTAN Titanium 2902 7388MANHATTAN Platinum 2210 2288 / / / 2886 9338 "-6> / 6>-}>i 2282 3423 / Titanium / / / / 2886 4111WorldMiles(American Express)6>wi 2267 2218 2886 8866Preferred Banking 2886 8877 2886 5833

14

/ 0.75%

0.25%

500

:

0.75%

0.1%

U U^1%

^

U U^3.25%

()^+8%

^

15

()

UBreeze Trade0.20%U0.30%100

U

0.0027%

0.005%

0.1%11

0.002%2100

()

U0.30% (100)

U

0.002%

0.00696%

0.1%

0.06%

5

/ ^ UU1U1030

U530U1

U530U

/

1,000 500 200

100

0.110

--

1 2000.110

16

()

U30/25U/250.5%(30/25)

U0.5%15 / 12U1030U30

U30 / 25U1030U

U1U

U200

100

150 / 125 0.5%15 / 12 30 / 25

/ 50

200

^ 38815

1. 2. 3. 4.

U

U16 / 7127 / 1100

17

1: Button1: Button2: Button3: Button4: Button5: Button6: Button7: Button8: Button9: Button10: Button11: Button12: Button13: Button14: Button15: Button16: Button17: Button18: Button19: Button20: Button21: Button22: Button23: Button24: Button25: Button26: Button27: Button28: