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Notices

Notification for Extension of ATM cash withdrawal and transfer (HSBC or Interbank) fee waiver for HSBC Direct customers

HSBC offers 15 times fee waiver for ATM cash withdrawal and transfer (HSBC or Interbank) per month from Direct migration date till 31 Dec 2014 for HSBC Direct Migration Project. HSBC would like to remind you that this HSBC offer will extend to 31 December 2019. Please contact 24-hour Service Hotline at 02 8072 3000 for more details.

Dormant Account Notice (Apply to Ex The Chinese Bank Customer Only)

After the acquisition of The Chinese Bank, HSBC Taiwan (here after referred to as “the Bank”) has increased our branch network in Taiwan from 8 to 46. With the extensive, global, localized and comprehensive financial management resources of the HSBC Group, HSBC Taiwan delivers to our customers a superior and full range of financial services with the mission of fulfilling all our customers' needs.

If you were a The Chinese Bank customer and you have not yet set up your new account with HSBC, we would like to take this opportunity to invite you to visit your nearest HSBC branch as soon as possible with your Alien Residence Card and passport (for non-Taiwanese nationals), or National Identification Card (for Taiwanese nationals) to set up your new HSBC account to take advantage of the Bank’s over the counter and automated services. HSBC Taiwan provides three different banking services - HSBC Premier, Advance and Integrated account, to help you manage different financial needs. We invite you to take advantage of the Bank’s broad range of financial products, such as mutual funds, national/international bonds, international currency investments, mortgage loan and insurance products, to satisfy all of your banking and investment needs.

In order to safeguard your account, the Bank will take the following measures for dormant accounts (effective by 11 July 2013):

Unless you have a signed agreement with HSBC, if you have not made a withdrawal/deposit transaction over the past two years, and your current deposit account balance is less than NTD5,000, your account and the associated deposit, if any, will be automatically transferred to a ‘Dormant Custodian Account’. The Bank will continue to safeguard it interest free. If your account is zero-balance, the account will be closed.

If you need deposit, withdraw, remittance or other bank services, you need to come to one of our branches with your ARC and Passport (for non-Taiwanese nationals), or National Identification card and other identification proof (for Taiwanese nationals) to sign up for a new account with the Bank.

As above measures, if you were a The Chinese Bank customer and have not come to our branch to apply for new account number and sign related documents, and your account balance is below TWD 5,000 (or equivalent to TWD 5,000), within 60 days of the correspondence being sent out and this public notice being posted, on 18Sep 2013, your account and the associated deposit, if any, will be automatically transferred to a ‘Dormant Custodian Account’. The Bank will continue to safeguard it interest free. If you need deposit, withdraw, remittance or other bank services, you need to come to one of our branches with your ARC and Passport (for non-Taiwanese nationals), or National Identification card and other identification proof (for Taiwanese nationals) to sign up for a new account with the Bank. You may at any time visit any of our branches with your passport and original signature/chop to withdraw your original account balance, or visit the HSBC website to download the ‘Dormant Custodian Account Withdrawal Request Form’, complete the form and mail it to the address stated on the form. Upon receiving your form and verifying the signature/chop, the Bank will remit your original account balance to the financial organisations in Taiwan you have instructed. If you have already set up a new account and completed all the necessary procedures, please ignore this notice. We apologise for any inconveniences caused.

HSBC continuously strives to present our clients with global financial solutions. We invite you to experience our global personal banking service at any of our branches and visit the HSBC website to browse our latest offers.

If you have any questions, please visit any of our branches or call our telephone banking service centre (Mon to Fri, 09:00-18:00) at 02 8072 3000.

Notification for The Replacement of Mortgage Benchmark Index Rate

Thank you for your continuous support of HSBC (Taiwan) mortgage. This is to inform you that the Adjusted Rate Mortgage index and Superior Adjusted Rate Mortgage index used to calculate the interest rate of the existing mortgage products, benchmarked to the rate of 90-days commercial papers in the domestic secondary market as presented on Page 6165 of Reuters Telerate, may possibly be demised at the beginning of 2015. We hereby inform you that when the demise does take place, the benchmark index* used to determine the floating interest rate of your current mortgage loan will be replaced with the Taipei Interbank Offered Rate (3 months), also known as TAIBOR**.

Please visit the ROC Bankers Association website at http://www.ba.org.tw for more information on TAIBOR. Relevant information will be announced at our branches and HSBC (Taiwan)’s public website for your further queries in due course.

You may refer to the table below for the historic benchmark interest rates.

Provided by Reuters Telerate and TAIBOR from January to October 2014.
Indices (2015) 1/15 2/14 3/14 4/15 5/15 6/13 7/15 8/15 9/15 10/15
6165 90 days 0.86% 0.86% 0.88% 0.88% 0.88% 0.88% 0.87% 0.88% 0.88% 0.89%
TAIBOR 3 months 0.88% 0.88% 0.88% 0.88% 0.87% 0.87% 0.87% 0.87% 0.87% 0.87%
Provided by Reuters Telerate and TAIBOR from January to October 2014.
Indices (2015) 6165 90 days
1/15 0.86%
2/14 0.86%
3/14 0.88%
4/15 0.88%
5/15 0.88%
6/13 0.88%
7/15 0.87%
8/15 0.88%
9/15 0.88%
10/15 0.89%
Indices (2015) TAIBOR 3 months
1/15 0.88%
2/14 0.88%
3/14 0.88%
4/15 0.88%
5/15 0.87%
6/13 0.87%
7/15 0.87%
8/15 0.87%
9/15 0.87%
10/15 0.87%

Note: The benchmark interest rates listed above are determined based on actual market conditions, thus should not be used to predict future interest rate trends or inclinations. The floating interest rates associated with your mortgage loan are calculated based on the methods defined in the original Terms and Conditions. Please ensure adequate balance is maintained on your account prior to the scheduled debit date of each payment period.

Please discard this letter if you no longer hold any outstanding mortgage with HSBC (Taiwan).

Should you have any questions, please contact 24-hour Contact Centre  02 8072 3000.

*On the date of rate adjustment (applicable to both monthly and quarterly adjustable mortgage loans), the Adjusted Rate Mortgage index is determined by the prior 3-month average of the daily Adjusted Rate Mortgage rates, benchmarked to the TAIBOR (3 months). If non-business days are encountered where rates are not available, rates from the previous working day will apply. Rates are calculated to the second decimal point, rounding up from the third decimal point.

*On the date of rate adjustment (applicable to both monthly and quarterly adjustable mortgage loans), the Superior Adjusted Rate Mortgage index is determined by TAIBOR (3 months) rate generated on the same day. If it is a non-business day, rate from the previous working day will be applied.

**About TAIBOR:

The Taipei Interbank Offered Rate (TAIBOR) is the average interest rate at which funds are offered between prime banks in the Taiwan wholesale money market or interbank market. TAIBOR is calculated daily before 11:30 AM by the designated agency, which is commissioned by the Taipei Interbank Money Center, based on the rates provided by the appointed banks. Once the agency has collected the rates, the highest and lowest 25% are eliminated. An average is calculated of the 50% remaining mid-rates to produce the official TAIBOR rate. Currently the appointed banks include the Bank of Taiwan, Landbank of Taiwan, TCB-Bank, First Bank, HNBC, CHB, TBB, Fubon Bank, Mega Bank, Cathay Bank, Sinopac, Chunghwa Post Co. Ltd, CTBC, E.SUN Bank, and Standard Chartered Bank. TAIBOR is announced daily at 11:30 AM Taipei time. Customers may refer to the official website of the ROC Bankers Association at http://www.ba.org.tw.

Note: In the event of inconsistencies or discrepancies between the English and Chinese versions, the Chinese version shall govern.

Notification for The Replacement of Personal Loan Benchmark Index Rate

Thank you for your continuous support of HSBC (Taiwan) personal loan. This is to inform you that the Superior Adjusted Rate Mortgage index used to calculate the interest rate of the existing personal loan product, benchmarked to the rate of 90 days commercial papers in the domestic secondary market as presented on Page 6165 of Reuters Telerate, may possibly be demised at the beginning of next year. We hereby inform you that when the demise does take place, the benchmark index* used to determine the floating interest rate of your current personal loan will be replaced with the Taipei Interbank Offered Rate (3 months), also known as TAIBOR**.

Please visit the ROC Bankers Association website at http://www.ba.org.tw for more information on TAIBOR. Relevant information will be announced at our branches and HSBC (Taiwan)’s public website for your further queries in due course.

You may refer to the table below for the historic benchmark interest rates.

Provided by Reuters Telerate and TAIBOR from January to October 2014.
Indices (2015) 1/15 2/14 3/14 4/15 5/15 6/13 7/15 8/15 9/15 10/15
6165 90 days 0.86% 0.86% 0.88% 0.88% 0.88% 0.88% 0.87% 0.88% 0.88% 0.89%
TAIBOR 3 months 0.88% 0.88% 0.88% 0.88% 0.87% 0.87% 0.87% 0.87% 0.87% 0.87%

Provided by Reuters Telerate and TAIBOR from January to October 2014.
Indices (2015) 6165 90 days
1/15 0.86%
2/14 0.86%
3/14 0.88%
4/15 0.88%
5/15 0.88%
6/13 0.88%
7/15 0.87%
8/15 0.88%
9/15 0.88%
10/15 0.89%
Indices (2015) TAIBOR 3 months
1/15 0.88%
2/14 0.88%
3/14 0.88%
4/15 0.88%
5/15 0.87%
6/13 0.87%
7/15 0.87%
8/15 0.87%
9/15 0.87%
10/15 0.87%

Note: The benchmark interest rates listed above are determined based on actual market conditions, thus should not be used to predict future interest rate trends or inclinations. The floating interest rates associated with your personal loan are calculated based on the methods defined in the original Terms and Conditions. Please ensure adequate balance is maintained on your account prior to the scheduled debit date of each payment period.

Please discard this letter if you no longer hold any outstanding personal loan with HSBC (Taiwan).

Should you have any questions, please contact 24-hour Contact Centre  02 8072 3000.

*About TAIBOR:

The Taipei Interbank Offered Rate (TAIBOR) is the average interest rate at which funds are offered between prime banks in the Taiwan wholesale money market or interbank market. TAIBOR is calculated daily before 11:30 AM by the designated agency, which is commissioned by the Taipei Interbank Money Center, based on the rates provided by the appointed banks. Once the agency has collected the rates, the highest and lowest 25% are eliminated. An average is calculated of the 50% remaining mid-rates to produce the official TAIBOR rate. Currently the appointed banks include the Bank of Taiwan, Landbank of Taiwan, TCB-Bank, First Bank, HNBC, CHB, TBB, Fubon Bank, Mega Bank, Cathay Bank, Sinopac, Chunghwa Post Co. Ltd, CTBC, E.SUN Bank, and Standard Chartered Bank. TAIBOR is announced daily at 11:30 AM Taipei time. Customers may refer to the official website of the ROC Bankers Association at http://www.ba.org.tw.

On the date of rate adjustment, the Superior ARM index is determined by TAIBOR (3 months) rate generated on the same day. If it is a non-business day, rate from the previous working day will be applied.

Note: In the event of inconsistencies or discrepancies between the English and Chinese versions, the Chinese version shall govern.

Banking Services - Financial Difficulties

At HSBC, we're committed to helping our customers overcome any financial management difficulties they may be experiencing. We understand our customers may go through difficult times and that's when you need someone on your side the most.

Do you have an unpaid Personal Loan, Credit Card or Cash Card with HSBC? Are you having difficulty repaying your debt? Do you need advice about debt negotiation? Our debt management executives are happy to help you with your Debt Relief Application and Negotiation or with submitting the Debt Relief Application to your Prime Bank following government sponsored “Inter-bank Debt Relief Program (IDRP)”. Prime Bank will lead a project to review your financial weakness on the basis of your actual income/expenditure document. Then Prime Bank will provide you a tailor-made Debt Repayment Scheme which fits your needs as well as help you solve your financial difficulties.

We remind you that there are several illegal agencies in the market trying to defraud you. We highly recommend you to contact us directly through the phone number or email address provided on this page and verify any agency attempting to act on your behalf.

 

Get in touch

Customer Service Center : 02 8072 3000

Service Hours: Mon to Fri, 09:00AM to 07:00PM

 

Debt Negotiation Mailbox : DNMTWM@HSBC.COM.TW

Please include your contact info (name, ID number, preferred time for our contact)

Our service specialist will contact you and provide advice.

 

The following additional information may also be of use

How to process IDRP, FAQ, IDRP Application Form, Contact Info of Inter-banks…etc.

The Bankers Association of the Republic of China (BAROC)

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