Item

Explanation

Annual Fee

1. Waived: as long as the card is used once every year, the annual fee will be waived no matter how much the consumption is.

2. Annual Fee Standard:

3. RICH COMBO CARD: as long as the card is used every year, the annual fee will be waived forever.

4. Recognition Card: charged according to the contracted annual fee signed between the Bank and the recognition group.

Interest Rate on Circulating Credit

The interest rate is differentiated based on the credit rating of the card holder.  There are three different rates at present: 10.8%, 9.8% and 8.8%.  The interest rate will be adjusted every six months since the date of settlement of the account.

Fines

If the card holder fails to pay up the total amount, or fails to pay the lowest amount set by the Bank, or fails to pay on time, the interest will be calculated based on the circulating credit interest rate.  Besides, a fine of 10% of the interest calculated on the circulating credit interest rate will be charged.

Service Fee for Loss Registration

NT$1,000 for each card, charged separately for the main card and the sub-card.

Self-paid Amount When the Card is Used by Other People

Up to NT$3,000 before completing the loss registration process.

Service Fee for Cash Advance

1.5% of the amount of cash advance + NT$150

Service Fee for Requiring a Sales Draft

NT$100 per requirement

Service Fee for Overseas Emergency Replacement Card

For platinum card and gold card: waived; for ordinary card: NT$5,000 per time.

Service Fee for Overseas Emergency Cash

For platinum card and gold card: waived; for ordinary card: NT$5,000 per time.

Service Fee for Overseas Transaction Settlement

All the credit card transactions will be settled in NT dollars.  If the transaction currency (including refund) is not NT dollars, the Bank will convert the amount to NT dollars using the exchange rate of the settlement date listed by the credit card organization.  The service fee is 1.55% of the amount of the transaction.

Service Fee for Re-issuance of Card

For ordinary card: waived.

For Rich Combo Card: NT$ 300 per card. (charged at the time of re-issuance of the card)

Service Fee for Recharging Mondex Electronic Cash Prepaid Card

NT$10 each. The recharging amount and service fee will be charged to the credit card bills.

Service Fee for Payment over Phone and e-Banking

Individual Income Tax (payment of the remaining taxes)

Charged based on the Bank’s regulation, exempt at present.

Business Taxes, Housing Taxes, Land Taxes, and license taxes for cars and motorcycles

Fees for Change of Motorcycle Permit and Fuel Taxes

NT$20 each time

Fees for Change of Car Permit

NT$20 each time

Vehicle Fuel Fees

1% of each amount of fee

Fines for Violating the Compulsory Automobile Liability Insurance

NT$20 each time

Fines for Violating Transportation Regulations

NT$20 each time

Changhwa Telecom Fees

NT$10

e-Government Diversified Payment Operational Platform

1. 1% of the amount paid to the Platform (minimum NT20 each time)

2. By the end of 2006, the service fee for payment of tuition and fees through this platform is waived.