Worldreginfo - 0Cc8d3e2-6Eda-43D0-B3f9-56A8438ecc0c 2008 ANNUAL REPORT

WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c 2008 ANNUAL REPORT

2 0 0 8 ANNUAL REPORT

TAIWAN COOPERATIVE

0 BANK 0 2 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE BANK Contents

Contents

04 Letter to Shareholders 10 Financial Highlights 12 Organization Chart & Bank’s Subsidiaries Chart 14 Board of Directors & Supervisors & Executive Officers 16 Bank Profile 17 Main Business Plans for 2009 18 Market Analysis 21 Risk Management 24 Statement of Internal Control 26 Supervisors’ Report 28 Financial Statements 38 Consolidated Financial Statements 48 Designated Foreign Exchange Banks 53 Service Network

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Letter to 2 0 0 Shareholders 8 ANNUAL REPORT

TCB and BNP Paribas Assurance Joint Venture "BNP Paribas Assurance TCB Life Insurance Company" Signing Ceremony TAIWAN COOPERATIVE

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Teng-Cheng Liu, Chairperson Letter to Shareholders to Letter

Letter to Shareholders

The global economic and financial turbulence that struck Freddie Mac, encountered operating crises; in September in 2008 as a result of the financial tsunami was the worst Lehman Brothers declared bankruptcy, the American since the Great Depression of the 1930s, and internationally International Group appealed to the U.S. Federal Reserve known economic forecasting institutions constantly revised Board for emergency relief, and Iceland teetered on the downward their growth predictions for different countries. brink of bankruptcy. These events plunged numerous major International raw materials prices soared to repeated new European and American banks into operating difficulty; record highs in the first half of the year and the world was the British, American, Belgian, and other central banks clouded by the threat of inflation; fortunately, the prices rushed to inject emergency funds and moving one after the of crude oil and raw materials embarked on a significant other to adopt relief measures such as guaranteeing the full downward trend in July and the threat of inflation gradually amount (or increased amounts) of bank loans and deposits, receded. The high commodity prices had already affected doing everything possible to alleviate the liquidity crisis and the real economy; however, financial markets fell into a maintain stability in the financial market, and initiating a continuous deterioration, stock markets plummeted, investors’ tide of bank nationalizations. To lessen the credit contraction losses were difficult to estimate, and the public’s wealth in financial markets, major central banks all over the world, suffered a severe shrinkage. In the corporate sector orders including those of the United States, Europe, the United declined sharply and large losses caused by falling inventory Kingdom, and Switzerland, carried out an intensive series of prices were recognized, bringing a flood of red ink and large-scale interest-rate reductions that led the world into a sending operations into extreme difficulty. Consumption and period of low interest rates. investment weakened, and the unemployment rate climbed rapidly. Governments everywhere moved one after another to revitalize their economies by introducing aggressive policies such as large-scale tax reductions and relief measures, and increased public spending.

After the American investment bank Bear Sterns was sold at a low price to JP Morgan Chase in March, the credit contraction began to loosen up. Beginning in July, however, bad news came in a constant stream, when the two big American mortgage institutions, Fannie Mae and

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Letter to 2 0 0 Shareholders 8 ANNUAL REPORT

Under the double impact of soaring international raw international economy; the ongoing weakness that is afflicting materials prices and the financial storms, Taiwan’s economic the economies of major countries, however, is suppressing growth rate slipped quarter by quarter in 2008 and the Taiwan’s foreign trade. Therefore, rapid action is needed to different performance indexes deteriorated. According to resume economic stability by expanding domestic demand figures announced by the "Directorate-General of Budget, and restoring corporate investment and consumer confidence. Accounting and Statistics", Taiwan’s economy managed The banking industry will face a multitude of problems in to grow at a rate of only 0.12% in 2008. The stock market 2009, including a continuous narrowing of interest-rate plummeted 46% during the year and exports posted negative spreads as the Central Bank lowers interest rates to maintain growth for four months in a row beginning in September; in a low-interest environment and competition among banks December, the export shrinkage fell to a record 41.9%. The remains intense; the difficulty of expanding the wealth- unemployment rate climbed to a five-year high of 5.03%; the management business, which has long been a major source of economic indicator score dropped to a low 9 points, and for processing-fee income, until public confidence in investment four consecutive months the indicator showed a blue signal is restored; and the weak ability of corporations and indicating slump. To stimulate an early economic recovery, households to repay loans during the economic slump, which the government issued consumption vouchers and passed a will affect the quality of banks’ loan assets. The TCB will number of revitalization programs. As inflationary pressure strive to overcome these difficulties and reinforce its operating lessened, the Central Bank initiated a series of five large structure by strengthening risk management, reducing costs, discount-rate cuts in September, expanded the repurchase and adopting a multi-faceted approach to the development of mechanism, and adopted other loose-money policy measures profit sources. designed to boost liquidity in financial institutions and stimulate domestic demand by lowering the cost of loans for companies and individuals.

Under the impact of the international economic slump and financial storms, large numbers of financial institutions in Taiwan and elsewhere have suffered losses and have even been acquired by other institutions. The TCB recorded a pre-tax profit of NT$9.508 billion in 2008, a rare strong performance in difficult times. The loose monetary and expansionary fiscal policies that governments everywhere are adopting in 2009 will help to avoid a further worsening of the 0 0 6 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE BANK

Tien Lin, President Letter to Shareholders to Letter

Major Achievements in 2008

The Financial Supervisory Commission named the TCB special zones to 255, burnishing the Bank’s wealth- as a Grade-A bank for the extension of loans to small and management image. medium enterprises. The "Home-loan Fire Insurance Management System" NT$5.5 billion worth of 7-year subordinated financial was established. bonds and NT$4.5 billion in perpetual cumulative subordinated bonds were successfully floated, boosting the Discretionary investment business inaugurated. TCB’s capital adequacy ratio. The Zihciang, Dong Taoyuan, and Lugang branches The Bank initiated the futures dealing business. received permission to operate auxiliary futures trading services. Four new branches were established: Kaohsiung Software Park, Sinhu, Bei Jhonghe, and Luchu. The Bank issued Taiwan’s first small-amount payment instrument usable in the contract stores of acquiring Nine foreign-exchange branches and 15 mini foreign- institutions: “TCB Pre-paid Card.” exchange branches were established, and cash dealing in renminbi (RMB) currency was inaugurated at 158 A multiple-language system, foreign-currency enquiry, and business units. global different-place release fund management services added to the financial EDI system. The Hong Kong, Seattle, Los Angeles, and Manila branches received permission to engage in cross-straits The Bank engaged in the business of preliminary financial operations, greatly facilitating the Bank’s negotiations under the Consumer Debt Clearance ACT. development of its cross-straits financial business and expansion of its cross-straits Taiwanese business The Bank engaged in the “Ministry of the Interior customer group. Additional Allocation of NT$200 Billion in Preferential Loans” and “Winner Personal Consolidated Loan” The OBU foreign-currency composite savings-deposit businesses. business was instituted, providing a more diverse range of financial products. The Wealth Management Infinity Card, Home-loan Platinum Card, Government Internet Purchasing Card, The number of financial-planning flagship branches was and Business Card were promoted in order to attract increased to five and the number of financial-planning quality customers and consolidate the Bank’s foundation. 0 0 7 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c 2008 ANNUAL REPORT

Letter to 2 0 0 Shareholders 8 ANNUAL REPORT

Operating Performance in 2008

Net interest income: NT$27,356,107,000.

Net non-interest income: NT$6,912,973,000.

Bad-debt expenses: NT$6,248,668,000.

Operating expenses: NT$18,512,537,000. increase the percentage of overseas profits and develop in the direction of becoming an Asian regional bank. Income before income tax: NT$9,507,875,000. Continuously develop new kinds of business and Net income: NT$7,530,778,000. strengthen customized products so as to expand the wealth management business and broaden more Basic earnings per share: NT$1.38. sources of non-interest income. Diluted earnings per share: NT$1.37. Speed up the development of electronic channels for financial services and enhance the efficiency and security of information operations so as to provide Operating Strategies for 2009 customers with full-spectrum service value.

Make full use of integrated marketing to expand Deepen internal and external risk management so demand deposits, for improving the deposit structure as to assure asset quality; strengthen bank-wide risk and lowering the funding cost. discipline and safety management so as to establish a high-quality working environment. Thoroughly implement the Bank’s loan policy, effectively control loan asset quality, and continuously Carry through with the implementation and develop loan businesses with niche advantage so as to management of budget targets, continuously carry enhance profitability. out the separation of costs and expenses system, and make flexible use of interest and foreign exchange rate Vigorously establish overseas branches and reinforce policy to guide the allocation of capital effectively and foreign-exchange and overseas loan businesses so as to upgrade overall operating performance.

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Teng-Cheng Liu, Chairperson; Tien Lin, President (front : from left to right) Chiu-Jung Tsai, Executive Vice President (EVP); David Hu, EVP; Chung-Dea Hsieh, EVP; John S.C. Chou, EVP; Chen-Yuan Tu, EVP; Yang-Jan Fan, EVP&General Auditor (from left to right)

Business Targets for 2009 Credit Card Business: NT$18.2 billion in card transactions Deposits: NT$1,937.7 billion (not including interbank deposits) E-banking: NT$185 billion in online banking transactions, with NT$41 billion in credit card Loans: NT$1,808.4 billion (NT$1,092 billion in settlement transactions corporate loans and NT$716.4 billion in personal loans)

Guarantees: NT$54.35 billion

Foreign Exchange Transactions: US$78 billion

Investments: NT$262.3 billion

Trust Business: NT$142 billion, with custodial banking accounting for NT$84.5 billion

Commission income from wealth management trust products: NT$1.219 billion, with insurance fee income amounting to NT$0.4 billion

Securities : NT$275 billion

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Financial Highlights

Condensed Balance Sheet Unit : Thousands of New Taiwan Dollars

2008 2007 2006 2005 2004

CASH, CASH EQUIVALENTS AND DUE FROM THE CENTRAL BANK AND - - - - 378,754,060 OTHER BANKS CASH, CASH EQUIVALENTS AND DUE FROM THE CENTRAL BANK AND CALL 424,355,643 456,860,304 427,274,105 514,225,498 - LOANS TO OTHER BANKS 2 SECURITIES PURCHASED, NET - - - - 309,471,455 0 FINANCIAL ASSETS AT FAIR VALUE 31,259,237 41,748,515 47,521,600 22,114,804 - 0 THROUGH PROFIT OR LOSS 8 SECURITIES PURCHASED UNDER

ANNUAL - - - 219,173 - RESELL AGREEMENTS AVAILABLE-FOR-SALE FINANCIAL 64,785,297 60,247,280 61,907,516 55,670,846 - ASSETS BILLS, DISCOUNTS AND LOANS, NET - - - - 1,253,938,099

REPORT DISCOUNTS AND LOANS, NET 1,832,644,545 1,729,746,205 1,713,813,847 1,274,665,865 - RECEIVABLES, NET 20,385,892 27,872,714 27,439,825 27,096,034 15,558,643 HELD-TO-MATURITY FINANCIAL 8,171,079 7,527,062 3,163,176 3,281,479 - ASSETS EQUITY INVESTMENTS UNDER THE 5,628,867 5,776,283 4,908,188 1,145,541 - EQUITY METHOD LONG-TERM INVESTMENTS - - - - 27,015,586 PROPERTIES, NET 34,030,468 33,866,474 33,591,776 26,690,671 20,101,427 INTANGIBLE ASSETS 3,624,616 3,434,078 3,494,158 - - OTHER FINANCIAL ASSETS, NET 56,149,881 47,387,263 41,071,681 31,358,683 - OTHER ASSETS, NET 6,096,156 7,078,466 9,229,352 9,474,080 24,175,631 TOTAL ASSETS 2,487,131,681 2,421,544,644 2,373,415,224 1,965,942,674 2,029,014,901 DUE TO THE CENTRAL BANK AND 202,656,838 254,816,364 254,411,303 249,060,945 269,101,897 OTHER BANKS DEPOSITS AND REMITTANCES 1,983,480,938 1,885,247,837 1,823,373,039 1,533,042,886 1,582,927,974 FINANCIAL LIABILITIES AT FAIR VALUE 4,525,836 2,650,154 3,403,282 366,277 - THROUGH PROFIT OR LOSS SECURITIES SOLD UNDER 55,961,852 43,247,160 57,157,571 39,305,020 - REPURCHASE AGREEMENTS FUNDS BORROWED FROM THE 77,771,000 84,321,000 77,864,000 36,044,300 45,319,396 CENTRAL BANK、BANK DEBENTURES ACCRUED PENSION COSTS 1,763,570 1,645,063 1,293,153 292,014 - OTHER FINANCIAL LIABILITIES 4,554,131 4,608,630 4,942,175 3,434,269 - OTHER LIABILITIES 49,215,324 42,569,710 53,238,451 40,468,046 70,998,459

TOTAL LIABILITIES 2,379,929,489 2,275,682,974 1,902,013,757 1,968,347,726 2,319,105,918 CAPITAL STOCK 54,855,000 47,700,000 45,000,000 25,398,304 25,398,304 RESERVE FOR CAPITALIZATION - - - 2,539,830 - CAPITAL SURPLUS-PAID-IN CAPITAL IN 32,207,944 32,207,944 34,907,944 23,696,319 29,274,539 EXCESS OF PAR VALUE RETAINED EARNINGS 16,586,850 18,732,715 12,720,380 8,176,723 5,801,247 REVALUATION INCREMENTS ON 4,420,439 4,419,580 4,024,155 4,025,113 - PROPERTIES UNREALIZED GAINS ON FINANCIAL 867,133 (896,081) 902,595 - - INSTRUMENTS CUMULATIVE TRANSLATION 162,980 274,568 177,176 92,628 193,085 ADJUSTMENTS TREASURY STOCK - 100,000 (1,898,154) - - - - THOUSAND SHARES TOTAL STOCKHOLDERS' EQUITY 107,202,192 102,438,726 97,732,250 63,928,917 60,667,175 0 1 0 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Condensed STATEMENT OF INCOME Unit : Thousands of New Taiwan Dollars

2008 2007 2006 2005 2004

NET INTEREST 27,356,107 24,349,684 21,287,921 16,429,931 -

NET REVENUES AND GAINS OTHER 6,912,973 10,214,607 12,060,593 8,062,913 - THAN INTEREST ALLOWANCE FOR BAD-DEBT 6,248,668 4,678,962 6,987,444 - - EXPENSES BAD-DEBT EXPENSES FOR LOANS - - - 5,389,910 - OPERATING EXPENSES 18,512,537 17,943,915 15,970,732 16,299,069 -

OPERATING REVENUE - - - - 46,224,032 Financial Highlights OPERATING COST AND EXPENSES - - - - 44,432,869 OPERATING INCOME - - - - 1,791,163 NONOPERATING REVENUE - - - - 1,034,809 NONOPERATING EXPENSES - - - - 1,791,645 INCOME BEFORE INCOME TAX 9,507,875 11,941,414 10,390,338 2,803,865 1,034,327 INCOME BEFORE CUMULATIVE EFFECT OF CHANGES IN 7,530,778 9,740,373 9,135,146 2,634,351 809,674 ACCOUNTING PRINCIPLES CUMULATIVE EFFECT OF CHANGES IN - - 40,062 - - ACCOUNTING PRINCIPLES NET INCOME 7,530,778 9,740,373 9,175,208 2,634,351 809,674

KEY RATIOS(%)

2008 2007 2006 2005 2004

STABILITY RATIOS

DEBT RATIO(TOTAL LIABILITIES/TOTAL 95.67% 95.75% 95.86% 96.73% 96.97% ASSETS) FIXED ASSETS/NET WORTH 31.74% 33.06% 34.37% 41.75% 33.13% LIQUIDITY RESERVE RATIO 13.14 15.58 15.41 23.81 32.74 PROFITABILITY RATIOS RETURN ON TOTAL ASSETS 0.31% 0.41% 0.42% 0.13% 0.04% RETURN ON EQUITY 7.18% 9.73% 11.30% 4.23% 1.34% NET INCOME RATIO 21.98% 28.18% 27.39% 10.76% 1.75% EARNINGS PER SHARE 1.38 1.78 2.01 0.70 0.22

Credit Rating

Global Global National National Rating Agency Outlook Release Date Long Term Short Term Long Term Short Term S&P/TRC BBB+ A-2 twAA twA-1+ Stable 2009.02.09 Moody’s A2 P-1 Aa1.tw TW-1 Stable 2008.12.24

Domestic Ranking

Assets 2 Loans 2 Deposits 2 Branches 1 0 1 1 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Organization Chart

Auditing Division, General Auditor Board of Directors

Secretariat, Board of Directors

Business Management Centralized Department Operation Center 2 0 Personal Banking Domestic Branches Department Regional Credit 0 Management Center 8 Loan Assets Management ANNUAL Department Regional NPL Corporate Banking Management Center Department

REPORT Credit Management Department

Wealth Management Department

Trust Department

Securities Department Overseas Subsidiary Electronic Banking Bank Department

Credit Card Department

Treasury Department Domestic Subsidiaries

International Banking Department Shareholders’ Board of Directors President Executive Vice Meeting Chairperson Presidents Secretariat

Board of Supervisors Accounting Division

Information Technology Division

Credit Analysis and Research Division

Risk Management Division

Human Resource Training Center Division

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Bank’s Subsidiaries Chart

－ Shareholding Co-operative Asset Shareholding Cooperative I Management Co., Ltd. 100.00% Asset Management 100.00% Corporation

Shareholding Cooperative Insurance 100.00% Brokers Co., Ltd. Taiwan Cooperative Bank’sOrganization& Subsidiaries Chart Chart Bank Shareholding United Taiwan Bank 70.00%

Shareholding Taiwan Cooperative Bills 50.56% Finance Corporation

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Board of Directors & Supervisors & Executive Officers

Board of Directors Executive Officers

Chairperson President

Teng-Cheng Liu Tien Lin

Managing Directors Executive Vice Presidents

2 Tien Lin John S.C. Chou 0 0 Hsien-Nung Kuei Chung-Dea Hsieh 8

ANNUAL Chuan-Chung Liu Chen-Yuan Tu

Tse-Ching Huang David Hu

Directors Chiu-Jung Tsai REPORT Dai-Ming Fann

Jen-Poo Chen S.V.P. & G.M., Business Management Department

Ting-Jeng Chan Hong-Chen Lin

Kuo-Tay Chen S.V.P. & G.M., Corporate Banking Department

Che-Hui Huang Cheng-Hsiu Chen

Chih-Hsing Chang S.V.P. & G.M., Credit Management Department

Fu-Hsiung Hu Wen-Long Lin

Yen-Shu Tsai V.P. & G.M., Treasury Department

Jung-Ching Su Pe-Chu Wu

Chih-Yung Chen S.V.P. & G.M., International Banking Department

Sing-Lon Lin Michael M.J. Chang

Chih-Ching Lian V.P. & G.M., Personal Banking Department Mao Liao

E. V. P. & General Auditor S.V.P. & G.M., Wealth Management Department

Yang-Jan Fan Meng-Chin Lin

S.V.P. & G.M., Trust Department

Wen-Jenq Wu

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Board of Supervisors Executive Officers

Resident Supervisor S.V.P .& G.M., Securities Department

Shou-Tzuoo Huang Shih-Chih Tsai

S.V.P. & G.M., Electronic Banking Department

Supervisors Chun-Lung Chuo

Len-E Chen S.V.P. & G.M., Credit Card Department

Kwo-Chun Lee Shiann-Wen Wu Officers Directors Supervisors Executive & Board& of

Ching-Yu Cheng S.V.P. & G.M., Loan Assets Management Department

Dah-Wei Wu

S.V.P. & G.M., Secretariat

Fei-Ling Hu

S.V.P. & G.M., General Affairs Division

Hsueh-Tao Wu

V.P. & G.M., Accounting Division

Chen-Tsai Chou

S.V.P. & G.M., Information Technology Division

Hsiang Hu

S.V.P. & G.M., Credit Analysis and Research Division

Thomas K.T. Ho

V.P. & G.M., Risk Management Division

Shiaw-Yen Lun

S.V.P. & G.M., Human Resource Division

Wu-Lieh Tsai

S.V.P. & G.M., Legal Affairs Division

Chih-Cheng Peng

S.V.P. & G.M., Security Management Division

Che-Tsung Chang

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Bank Profile

Date of establishment : Oct. 5,1946. of NT$529,516 thousand via Debt-for-Equity Swap, and taking a 50.56% share of its equity. History Under the TCB Charter, the Bank is charged with The Bank was established in 1946 through the carrying out the missions of operating a banking business, reorganization of the “Taiwan Industry Bank” of the developing national economic construction, and providing 2 Japanese-occupation era. Capitalization in the amount 0 financial adjustment for the farming and fishery industries. 0 of 25 million Old Taiwan Dollars was provided by the In addition to providing financing for cooperative 8 Taiwan Provincial Government along with cooperative enterprises, the farming and fishery industries, and small ANNUAL groups, farmers’ associations, fishermens’ associations, and and medium enterprises, the TCB also offers deposit, loan, irrigation associations. The operating scale of the Bank and foreign exchange services for business enterprises in has been constantly expanded thanks to the efforts of its general to facilitate funds utilization and promote overall entire staff over the past 60 years, and at the end of 2008 its REPORT economic development. This makes the TCB a consolidated capitalization stood at NT$54.855 billion. international bank for farming, fishery, cooperative, and business financing. The Bank achieved corporate status under the provisions of Article 52 of the Banking Law in May 1985. It was reorganized as the Taiwan Cooperative Bank Co., Ltd. on Jan.1, 2001; went public in June 2003; was listed on the stock market on Nov.17, 2004; changed its Chinese name on February10, 2006, but its English name remains unchanged; and merged with The Farmers Bank of China on May 1 that year. As of Dec. 31, 2008 the Bank had a total of 306 domestic and overseas branches (including the Manila Branch, Los Angeles Branch, Seattle Branch, Hong Kong Branch and Beijing Representative Office), giving us the most extensive branch network of all Taiwan banks and putting us in a position of market leadership in share of deposits and loans. According to the statistics published in the July 2008 issue of The Banker magazine, in the assets ranking of top 1,000 banks the TCB placed 165 in the world and second in Taiwan, after only the Bank of Taiwan.

The TCB, Bank of Taiwan, Land Bank of Taiwan, and Taiwan Business Bank have jointly established the United Taiwan Bank in Belgium on Dec.23, 1992, with the TCB taking a 70% share of its equity. In addition, the TCB established the wholly-owned Co-operative Asset Management Co. on Oct.18, 2005 and, on Mar.22, 2006, boosted its capitalization to a total of NT$3.5billion.

On Nov.25, 2005 the Bank established the wholly- owned Cooperative Insurance Brokerage Co. with an investment of NT$10 million. Also, established Taiwan Cooperative Bills Finance Corporation with an investment TCB baseball team won the championship in the 2009 baseball tournament.

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Main Business Plans for 2009

Operational Management demand deposits and fee income. Full use will be made of the advantage provided by the Financial Planning Bank’s vast channel network of more than 300 branches, financial EDI and other electronic financial trading Nimble use will be made of intrabank funding rate operations will be expanded, and the Bank will integrate adjustment strategy and planning will be carried out for its operations with inter-client cash-flow services to introducing the funds transfer pricing (FTP) system, and enlarge sources of demand deposits. the allocation of funds will be guided in line with bank- wide development directions in order to upgrade overall The substitution of demand deposits for time deposits as operating performance. loan collateral will be thoroughly carried out to facilitate 2009 for Business Plans Main the lowering of funding costs and heighten the percentage The professional manager of security business system will of demand deposits. be implemented to enhance operating performance and market share. Domestic and overseas branches will be added or their locations appropriately adjusted so as to increase demand Establishment of the electronic foreign-exchange deposits. financial trading platform will be strengthened to provide customers with a safe and speedy means of trading that Corporate Banking is not subject to space limitations, thereby upgrading the Bank’s competitiveness. The Bank’s competitiveness will be enhanced so as to expand its foreign-exchange and offshore-loan businesses. Preliminary preparatory tasks for the establishment of the Suzhou Branch in Mainland China will be carried The "Collaborating with the SME Business Credit vigorously out so as to speed up the application process at Guarantee Fund" mechanism will be used aggressively this time of cross-straits financial policy liberalization. and SME financing continuously promoted. Wealth Management The development of the transaction-based loan business will be strengthened so as to control the quality of loan A rich diversity of financial-planning products will be assets effectively. offered and choices of asset allocation will be increased; the Bank’s resources will be integrated with the needs The loan structure will be adjusted constantly so as to of customers in the market so as to enhance marketing enhance profitability. performance and increase wealth-management income. Personal Banking Stable financial-management professionals will be cultivated and the marketing function of regional The principle of equal emphasis on quality and quantity consultants will be upgraded; investment in the consulting will be espoused, and the high-quality home-loan and function of R&D personnel will be promoted, and policy-type loan businesses will be aggressively expanded. a competent investment management team will be established. Risk management will be reinforced and “Personal Secured Home-loans by Region and Grade Measures” An investment trust asset management capability will and “Personal Credit Loan Assessment System” be established, the discretionary investment business will mechanisms will be used to control loan quality. be inaugurated, and the collective management account business will be set up. Strategic alliances will be strengthened so as to expand the consumer financing business and increase processing Domestic and foreign fund products, structured products, fee income. and fixed-income bond products will be carefully selected to provide customers with a wide range of product The TCB Pre-paid Card and nation-wide fee collection choices. businesses will be constantly promoted so as to boost

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Market Analysis

Areas of Service such as investment advice, tax planning, and financial- planning products. In addition to this, the expected signing The TCB is a comprehensive bank that provides service in of a "Memorandum of Understanding on Cross-Straits the fields of corporate banking, personal banking, wealth Financial Supervision" will bring new opportunities in management, and others through a nation-wide network of cross-straits finance and services for Taiwanese businessmen branches. At the end of 2008 the Bank had a total of 301 in China. 2 domestic business units; the largest number of these was in 0 0 Taipei City, with 70 branches, followed by Taipei County 8 with 40 branches and Taichung City with 30 branches. ANNUAL The Bank also had six overseas units, scattered in Belgium, Competitive Advantages Manila, Seattle, Los Angeles, and Hong Kong, and a representative office in Beijing. Development into a benchmark bank REPORT Over the decades of stable operation since reorganization from its inception in 1946 as the "Taiwan Industry Bank" Future Supply and Demand in the during the period of Japanese occupation, the TCB has Market, and Growth Potential developed into Taiwan’s second-largest bank in terms of asset scale and market share of deposits and loans, and the island’s leader in SME loans and the organizer of syndicated On the supply side, the pressure of excessive competition loans. among domestic financial institutions continues to exist. The high degree of product similarity and intense price A strong advantage in marketing channels competition among domestic banks has led to a continuous narrowing of interest-rate spreads and a contraction in the The TCB’s domestic business units number more than room for profit, a situation that cannot easily be changed. 300; in addition to providing a full spectrum of professional Under the stimulation of the government’s financial reform financial services, they emphasize manpower training so as policy, domestic public and private financial institutions are to strengthen and maintain customer relationships and win using cross-industry operations or M&A to expand their the loyalty and trust of clients. This advantage in marketing operating territory and heighten their market share; they channels helps the Bank to develop and deeply cultivate are also employing constant organizational re-adjustment the consumer finance and wealth management businesses, and system integration to lower costs and improve thereby creating greater room for profit growth. operating performance, and are placing added emphasis on the improvement of their financial structure and the A large corporate client base reinforcement of their risk-control capability. The TCB enjoys a large and solid base of corporate clients On the demand side, the popularization of e-commerce and and uses organizational re-engineering, the integration of other changes in the form of consumption have prompted electronic transaction platforms, and strategic alliances to financial institutions to constantly introduce new kinds continuously strengthen and consolidate its advantage in of business. Although the American subprime mortgage the corporate loan, deposit, foreign exchange, Offshore turmoil and the Lehman Brothers incident struck a heavy Banking Unit(OBU), Treasury Marketing Unit(TMU), and blow at the wealth-management business in Taiwan, the electronic financial businesses. willingness of the island’s people to save topping the world for three years and the reduction of inheritance and gift Aggressive development of overseas markets taxes leave huge potential for development of the domestic wealth-management market. Demand expansion by the The TCB received permission to establish the Beijing island’s banking industry will continue to focus on services Representative Office in 2002, and in recent years has

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devoted its efforts to cross-straits financial exchange Unfavorable Factors and the provision of services to Taiwanese businessmen in China. Once the two sides sign a "Memorandum of The slowdown in economic growth and the contraction Understanding on Cross-Straits Financial Supervision" and of the credit market have had an impact on many kinds open up Taiwanese financial services there, the TCB will of business, including those like wealth management make plans to set up a branch in Suzhou, where there is a and corporate financing that are highly sensitive to dense concentration of Taiwanese businesses. In addition, the investment market; operating risk has increase and applications for branches in Ho Chi Minh City and the real estate market has weakened, and the quality of Sydney are expected to be finalized in 2009, and a branch corporate-loan and home-loan assets should be watched in Singapore is under evaluation. The Bank is currently carefully in the future. Analysis Market advancing steadily toward its goal of becoming an Asian regional bank. While the interest-reduction policy adopted by the Central Bank in order to revitalize the economy has lowered the funding cost, for the banking industry, with its fierce market competition, it has led to a continuous Favorable and Unfavorable Factors shrinkage in the interest-rate spread and made it difficult in Future Development, and to improve profits. Countermeasures The rising popularity of direct financing and the steady diversification of corporate fund-raising models are Favorable Factors unfavorable to business promotion by banks, which depend mainly on the indirect financing market. With Taiwan’s government opening up operations in the mainland Chinese market to domestic financial If mainland Chinese banks are allowed to establish institutions, once the Financial Supervisory Commission branches in Taiwan after the two sides of the Taiwan signs an MOU on financial supervision, banks will be able Straits sign a "Memorandum of Understanding on to add business units and expand the scope of operations Financial Supervision", the Chinese banks will be able to in China, thereby enhancing their services to Taiwanese use the advantage provided by their China-wide branch businessmen and boosting their business opportunities in networks to attract Taiwanese businessmen—even China. though the quality of their services may be inferior to that of Taiwanese banks. In the signing of such an With the government’s ongoing promotion of banking MOU, therefore, the banks’ concerns are focused on consolidation, the resulting expansion of the scale of bank how to coordinate the extent of cross-straits financial operations will help enhance competitiveness. liberalization.

Following the outbreak of the subprime mortgage The rapid increase in the number of branches of foreign turmoil, the convergence of three developments—the banks in Taiwan constitutes a new threat to the wealth- establishment of rules by the authorities, better management business of domestic banks and to the SME understanding by consumers of the products they financing market, with its local-operation advantage. purchase, and self-discipline by operators—mitigates for the healthy growth of the wealth-management market. Countermeasures At a time when some private banks are losing clients because of wealth-management disputes arising from the Electronic channels will be promoted and the collection inappropriate marketing of structured debt products, the business will be strengthened in order to increase demand TCB will consolidate its existing customers and work deposits, improve the deposit structure, and lower the vigorously to develop new clients. funding cost.

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Risk management will be thoroughly implemented, range of cross-industry financial operations. and industrial diversification and quality-over-quantity methods will be adopted, to enhance the quality of the The debt collection business will be intensified and Bank’s investment and loan assets for preventing the emphasis will be placed on peaceful resolution and occurrence of bad debt. the negotiation of time payments, the expansion of authorization, and the simplification of procedures so 2 as to boost flexibility in handling debt and facilitate the 0 Electronic foreign-exchange systems will be continuously 0 heightened and trends in international trade will be recovery of debt. 8 followed; the import business will be developed in the ANNUAL direction of T/T and accounts payable, and the export business in the direction of export loans and factoring.

REPORT With profits low in the intensely competitive domestic market, the OBU business will be constantly fortified and the pace of overseas deployment will be speeded up so as to increase the ratio of overseas profit.

New customers will be vigorously absorbed and original customers will be consolidated and deeply cultivated; professional financial-planner training will be constantly strengthened, and customized financial-planning services will be reinforced so as to help customers handle risk management properly. At the same time, consideration will be given to how to provide products that conserve value and increase returns for personal capital that is utilized at low efficiency in this time of near-zero interest rates. On the one hand this will relieve the capital pressure on the increase in the Bank’s time deposits, and on the other hand it will increase the growth in non-interest income and create win-win opportunities for both the Bank and its customers.

Manpower training will be strengthened and personnel will be cultivated to have expertise, character, and an international view so that the Bank, even as it pursues growth, will be able to develop on a sustainable and healthy basis.

In the face of the trend toward consolidation and a competitive environment in the age of financial holding companies, besides keeping firmly to its core businesses the TCB will also review its long-term operating strategies with the aim of using complementary alliances or M&As to build up its competitiveness and achieve operating synergies that will give it a more comprehensive TCB sponsors Mammoth exhibition.

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Risk Management

Credit Risk Management System out its auditing business in a spirit of independence, with at least one inspection per year of businesses Credit Risk Strategies, Goals, Policies, and Procedures related to credit risk and the provision of suggestions for improvement whenever necessary. The TCB’s credit-risk strategies are established in accordance with overall risk management targets, and are A Loan Assets Management Committee has been set with the use of an effective risk management mechanism up to review the disposition and writing off of non- to identify, measure, monitor, and control different items performing loans and loans for collection, and the writing of risk to fulfill the requirements of Basel II Accord . off of losses from the disposition of assumed collateral, so as to strengthen the management of NPLs and loans for Management Risk The Bank implements pre-loan screening and post- collection. loan follow-up management, and makes judgments in accordance with information provided by the Joint Credit The Corporate Banking Department is responsible for Information Center and Taiwan Clearing House and loan review work and for supervising the business units Credit Rating Agencies. Risk management is also carried in post-loan review and follow-up management. In out in the consideration of trends in industrial growth case of irregularity in the operation of business units or and the needs of regional development, and on the basis in important loan cases, special reviews will be carried of five principles: safety, liquidity, fairness, profitability, and out as necessary, the causes of the irregularities will be growth potential. investigated, and criticisms will be raised.

To establish an objective credit investigation Scope and Characteristics of the Credit Risk Reporting and mechanism,the Bank is implementing the credit-risk Measuring System scoring and rating tools that will use systematic and objective models to quantify risk and keep it within The Bank submits a regular Credit Risk Information Report bearable limits. (including information on risk positions, asset quality, limits utilization, and exceptional incidents) to high management Organization and Framework of Credit Risk Management levels (the Risk Management Committee) and the Board of Directors to serve as a reference in decision-making. The Board of Directors is the Bank’s highest policymaking body for risk management, and bears Hedging Policy, and Strategies and Procedures for ultimate responsibility for the Bank’s credit risk. Monitoring the Continuing Effectiveness of Risk-Hedging Tools The Risk Management Committee operates the credit risk management mechanism in accordance with credit The TCB has established the Loan and Investment Policy risk decisions approved by the Board of Directors, and Credit Risk Management Criteria, and has set up reviews credit risk regulations, provides interdepartmental rules for the concentration of different kinds of credit risk coordination on matters regarding credit risk and for dealings with materially interested parties so as management, and continuously monitors the performance to manage credit risk effectively and reinforce the Bank’s of implementation. credit risk management mechanism.

The headquarters and branches have established Credit The Bank observes the limit regulations established by the Management Committees to review loan cases ,and to competent agencies in its loan and investment businesses. approve or reject loan applications in accordance with their level of loan authorization. The Bank sets limits for the same enterprise, business group, industry, country, and type of collateral, and The Auditing Division of the Board of Directors carries monitors the limits constantly. It also readjusts the limits

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on regular and irregular bases so as to avoid the excessive Units and personnel at all levels of the Bank observe the concentration of risk and assure the Bank’s stable Bank’s operational rules, taking care of any operational operation. risks that arise and reporting them immediately. Headquarters units manage and supervise the To reduce risk, the Bank carries out its loans or investment performance of units throughout the bank in carrying out business by soliciting suitable collateral or guarantees in risk management. 2 accordance with the credit situation of loan clients 0 0 The Auditing Office of the Board of Directors carries out 8 Operational Risk Management System an inspection of the risk management mechanism and ANNUAL loss incident reporting of each unit at least once a year. Strategies and Procedures Scope and Characteristics of the Operational Risk The Bank’s strategy for dealing with operational Reporting and Measurement System REPORT risk is to evaluate the severity and probability of the occurrence of exposure to potential operational risks To effectively identify, measure, monitor, and report on all that have been identified, and then adopt risk hedging, kinds of potential operational risks in everyday business transfer or mitigation, reduction, assumption, or other activities and management procedures, the Bank has countermeasures to maintain operational safety and a established and centralized a database for the bank-wide healthy operating structure that will reduce losses from management of operational risk incidents, including operational risk. recording and following up on the causes for the occurrence of risk incidents, amount of losses, disposition process, and The process of operational risk management includes impact. Beginning in 2007, analytical reports on bank-wide identification, measuring, monitoring, and reporting. operational risk information and status of management are A healthy operational risk management mechanism submitted regularly to the Risk Management Committee is used to identify such internal and external factors as and Board of Directors. business characteristics, personnel, systems, and operating environment; risk is then measured with regard to Risk Hedging and Risk Mitigation Policies, and Monitoring causes, results, incidence, and impact, and indexes such as of Strategies and Procedures for the Continuing operational procedures, personnel, systems, and external Effectiveness of Hedging and Mitigation Tools incidents are monitored regularly. Operational rules have been established and implemented Organization and Framework in everyday operations; a reporting mechanism for incidents causing losses has been set up, together with The Board of Directors is the Bank’s highest unit of self-assessment by the different units and the auditing policymaking for operational risk management, and the work of Bank headquarters; and reports are compiled and Risk Management Committee monitors the performance submitted with the purpose of preventing, and reducing, of management and implementation in accordance with the policies of the Board of Directors. operational risk.

The Risk Management Division formulates bank- In its operational risk mitigation policy the Bank wide strategies and procedures for operational risk uses insurance or outsourcing to transfer or mitigate management, designs and introduces operational risk operational risk. It takes out comprehensive banking management mechanisms and tools, establishes and insurance (including coverage for disloyal behavior by manages the bank-wide loss databank, and reports on employees, business venues and goods during shipment, operational risk incidents and gives suggestions to the counterfeiting of bills and securities, counterfeiting of Risk Management Committee and Board of Directors on money, and negligent loss), and fire. Operational risk in a regular basis. outsourcing is prevented by following the rules of the

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Criteria for the Outsourcing of Operations by the Taiwan Scope and Characteristics of the Market Risk Reporting Cooperative Bank. and Measurement System

Market Risk Management System The TCB’s market risk management procedures include identification, assessment, measuring, monitoring, and Strategies and Procedures reporting. Risk management personnel of the different units analyze market risk positions within the scope The Bank bases its market risk management policies on its of their responsibilities; assessment and measurement overall risk management goals and product characteristics, methods include statistical basic measurement methods, sets investment authorization limits and stop-loss rules, and sensitivity analysis, and scenario analysis. Monitoring is Management Risk regularly evaluates and collates management information used to determine whether trading units as well as the reports so as to effectively control market risks. overall and individual trading procedures for financial products, including changes in position, changes in Organization and Framework profit and loss, trading models, and trading instruments, conform to the rules, and whether they are carried out The Board of Directors is the Bank’s highest within limits and scope of authorization. policymaking body for risk management, and bears ultimate responsibility for the Bank’s market risk. The different trading units report trading information to their superior units on a real-time, daily, or scheduled The Bank’s Risk Management Committee operates basis, and assure the accuracy and validity of the the market risk management mechanism in accordance information. The Risk Management Division submits with management decisions approved by the Board of regular reports and suggestions to the Risk Management Directors, reviews the limits for different kinds of market Committee and the Board of Directors on the bank-wide risk as well as limits at the sectoral level, and reviews implementation of market risk management, including changes in business strategies and market conditions on a such factors as market risk positions, risk levels, profit and scheduled basis or whenever necessary. loss, limits utilization, and the status of conformance with market risk management regulations. The Bank’s Risk Management Division carries out the work of overall market risk management bank-wide, Hedging and Mitigation Policy, and Monitoring of the playing the role of a centralized middle office. Continuing Effectiveness of Hedging and Risk Mitigation Policies and Procedures The mid-office personnel of the different trading units follow the Bank’s market risk management regulations The Bank’s current risk-avoidance activity is used primarily in managing everyday operations in real time, monitor to avoid the risk of foreign exchange and interest rate different limits actively, and submit regular reports to the changes when investing in foreign-currency capital and Risk Management Division. securities, and hedging tools are confined mainly to derivative swaps. To assess changes in profit and loss from The Auditing Division of the Board of Directors carries hedging activities, derivatives traded in hedging transactions out its auditing business in a spirit of independence, are evaluated at least twice a month as to their market value with at least one inspection per year of businesses related and are combined with the evaluation of profit and loss to market risk and the provision of suggestions for on hedging products in reports that are submitted to the improvement whenever necessary. Bank’s risk management officials at least twice a month. In addition, monthly reports are submitted to the Board of Directors, and, on a seasonal basis, to the Risk Management Committee.

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Taiwan Cooperative Bank Statement of Internal Control

On behalf of the Taiwan Cooperative Bank we declare that during the period of Jan. 1, 2008 through Dec. 31, 2008 the Taiwan Cooperative Bank did conform to the provisions of the Implementation Rules for Banks’ Internal Control and Auditing Systems by establishing an internal control system, carrying out risk management, and having audits carried out by an impartial and independent auditing unit, with reports submitted on a regular basis to the Boards of Directors and Supervisors. In its 2 operation of the securities business, the Bank assessed the effectiveness of the establishment and implementation of its internal 0 control system in accordance with the items for judgment of the effectiveness of internal control system as contained in the 0 Regulations Governing the Establishment of Internal Control System by Service Enterprises in Securities and Futures Markets 8 promulgated by the Securities and Futures Bureau of the Financial Supervisory Commission. Careful assessment shows that the ANNUAL Bank’s units did effectively carry out internal control and regulatory compliance during this year. This Statement will become a major part of the Bank’s annual report and its public announcements, and will be made public. Any fraudulent statements, undisclosed items, or other illegality will incur legal responsibility under Articles 20, 32, 171, and 174 of the Securities and

REPORT Exchange Act.

Submitted to the Financial Supervisory Commission, Executive Yuan

Attestor

Chairperson :

President :

General Auditor :

Compliance Officer :

Feb. 25, 2009

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Statement Internal Control of Securities Business

According to a self-audit carried out by the Taiwan Cooperative Bank, the internal control system of the Bank did conform to the following conditions during the period of Jan.1, 2008 through Dec.31, 2008:

1.The Taiwan Cooperative Bank fully realizes that the establishment, implementation, and maintenance of an internal control system is the responsibility of the Bank’s Board of Directors and management team, and has in fact established such a system. The purpose of the system is to provide reasonable assurance that the objectives of effective and efficient business operations (including profitability, performance, and protection of asset quality), the reliability of financial reporting, and compliance with related laws and regulations are being achieved. Statement of Internal Control Internal of Statement

2.Internal control systems have inherent limitations, however well they are designed, and an effective international control system can only provide reasonable assurance of the achievement of the three objectives mentioned above. Moreover, the effectiveness of an internal control system may change along with environmental or situational changes. However, the Bank’s internal control system contains a self-monitoring mechanism, and corrective action is taken as soon as a deficiency is identified.

3.Based on the judgment items in the criteria for evaluation of internal control systems as contained in the Guidelines for the Establishment of Internal Control Systems by Securities and Futures Enterprises, the TCB has carried out an evaluation to ascertain the effectiveness of the design and implementation of its internal control system. The criteria adopted for the evaluation of internal control systems under the Guidelines include five factors: (1) the control environment, (2) risk evaluation, (3) control operations, (4) information and communication, and (5) supervision. Each of these component elements contains a number of items. For detailed information on these items, please refer to the provisions of the Guidelines.

4.The TCB has adopted the internal control judgment criteria mentioned above to evaluate the effectiveness of the establishment and implementation of its internal control system.

5.Based on the results of the evaluation mentioned above, we believe that the establishment and implementation of the internal control system (including the supervision and management of subsidiaries) during the period mentioned above, including the extent of achievement of the known operational effectiveness and efficiency objectives, the reliability of financial reporting, and compliance with related laws and regulations, were effective and able to assure the reasonable achievement of the objectives described above.

6.This Statement will become a major part of the TCB’s Annual Report and Public Statement, and will be released to the public. Any discrepancy or omission in the content of the public statement would be a violation of Articles 20, 32, 171, and 174 of the Securities and Exchange Act and would incur legal responsibility.

7.The content of this Statement was approved by the 17 directors present at the TCB Board of Directors Meeting on Feb.16, 2009, with no objection.

Taiwan Cooperative Bank

Chairperson :

President :

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Supervisors’ Report

We have examined, in accordance with Article 219 of the Company Law, the financial statements and consolidated financial statements, proposed distribution of profit, and business reports as certified by Li-Chi Chen and Hung-husiang Tsai of Deloitte & Touche, and have found no discrepancies.

2 0 0 8 ANNUAL REPORT

Taiwan Cooperative Bank

Resident Supervisor :

Supervisor :

Mar. 26, 2009

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Financial Statements

INDEPENDENT AUDITORS’ REPORT

The Board of Directors and the Stockholders

Taiwan Cooperative Bank, Ltd.

We have audited the accompanying balance sheets of Taiwan Cooperative Bank, Ltd. as of December 31, 2008 and 2007, 2 0 and the related statements of income, changes in stockholders’ equity and cash flows for the years then ended. These financial 0 statements are the responsibility of the Bank’s management. Our responsibility is to express an opinion on these financial 8 statements based on our audits. ANNUAL

We conducted our audits in accordance with the Rules Governing the Audit of Financial Statements of Financial Institutions by Certified Public Accountants and auditing standards generally accepted in the Republic of China. Those rules and standards

REPORT require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, based on our audits, the financial statements referred to above present fairly, in all material respects, the financial position of Taiwan Cooperative Bank, Ltd. as of December 31, 2008 and 2007, and the results of its operations and its cash flows for the years then ended, in conformity with the Guidelines Governing the Preparation of Financial Reports by Public Banks, Guidelines Governing the Preparation of Financial Reports by Futures Commission Merchants, requirements of the Business Accounting Law and Guidelines Governing Business Accounting relevant to financial accounting standards, and accounting principles generally accepted in the Republic of China.

As stated in Note 3 to the financial statements, under an explanation issued by the Accounting Research and Development Foundation of the Republic of China, Taiwan Cooperative Bank, Ltd. should recognize bonus to employees and remuneration to directors and supervisors as compensation expenses effective January 1, 2008. These bonus and remuneration were previously recorded as appropriations from earnings.

As stated in Notes 3 and 32 to the financial statements, Taiwan Cooperative Bank, Ltd. reclassified its financial assets in accordance with the newly amended Statement of Financial Accounting Standards No. 34 - “Financial Instruments: Recognition and Measurement”.

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We have also audited the consolidated financial statements of Taiwan Cooperative Bank, Ltd. and its subsidiaries as of and for the years ended December 31, 2008 and 2007, on which we have issued a modified unqualified opinion and an unqualified opinion thereon, respectively, in our report dated March 2, 2009 (not presented herewith). Financial Statements Financial

March 2, 2009

Notice to Readers

The accompanying financial statements are intended only to present the financial position, results of operations and cash flows in accordance with accounting principles and practices generally accepted in the Republic of China and not those of any other jurisdictions. The standards, procedures and practices to audit such financial statements are those generally accepted and applied in the Republic of China.

For the convenience of readers, the auditors’ report and the accompanying financial statements have been translated into English from the original Chinese version prepared and used in the Republic of China. If there is any conflict between the English version and the original Chinese version or any difference in the interpretation of the two versions, the Chinese-language auditors’ report and financial statements shall prevail.

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TAIWAN COOPERATIVE BANK, LTD. BALANCE SHEETS DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars, Except Par Value)

Percentage 2008 2007 Increase (Decrease) ASSETS Amount Amount %

CASH AND CASH EQUIVALENTS (Notes 4 and 28) $ 40,592,528 $ 32,500,510 25

DUE FROM THE CENTRAL BANK AND CALL LOANS TO OTHER BANKS 383,763,115 424,359,794 ( 10) (Notes 5, 28 and 29) 2 0 FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS 31,259,237 41,748,515 ( 25) 0 (Notes 2, 3, 6 and 32) 8 ANNUAL RECEIVABLES, NET (Notes 2, 7 and 28) 20,385,892 27,872,714 ( 27)

DISCOUNTS AND LOANS, NET (Notes 2, 8 and 28) 1,832,644,545 1,729,746,205 6 REPORT

AVAILABLE-FOR-SALE FINANCIAL ASSETS (Notes 2, 3, 9 and 32) 64,785,297 60,247,280 8

HELD-TO-MATURITY FINANCIAL ASSETS (Notes 2 and 10) 8,171,079 7,527,062 9

EQUITY INVESTMENTS UNDER THE EQUITY METHOD (Notes 2 and 11) 5,628,867 5,776,283 ( 3)

OTHER FINANCIAL ASSETS, NET (Notes 2 and 12) 56,149,881 47,387,263 18

PROPERTIES (Notes 2 and 13) Land (including revaluation increments) 22,481,984 22,211,380 1 Buildings 13,098,990 13,017,330 1 Machinery and equipment 5,208,396 4,768,094 9 Transportation equipment 687,117 687,891 - Other equipment 1,299,766 1,280,397 2 Leasehold improvements 641,208 565,913 13 43,417,461 42,531,005 2 Less: Accumulated depreciation 9,428,473 8,689,285 9 Less: Accumulated impairment 1,114 86,215 ( 99) 33,987,874 33,755,505 1 Construction in progress 24,476 42,545 ( 42) Prepayment for land and buildings - 54,664 ( 100) Prepayment for equipment 18,118 13,760 32

Properties, net 34,030,468 33,866,474 -

INTANGIBLE ASSETS (Notes 2, 3 and 14) 3,624,616 3,434,078 6

OTHER ASSETS, NET (Notes 2, 15, 25 and 30) Nonoperating assets, net 3,834,123 3,961,244 ( 3) Refundable deposits 994,879 1,094,801 ( 9) Collaterals assumed, net 741,948 985,947 ( 25) Operating deposits and settlement funds 96,832 96,806 - Deferred income tax assets, net - 694,462 ( 100) Others 428,374 245,206 75

0 3 Other assets, net 6,096,156 7,078,466 ( 14) 0 TOTAL $ 2,487,131,681 $ 2,421,544,644 3 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Percentage 2008 2007 Increase (Decrease) LIABILITIES AND STOCKHOLDERS’EQUITY Amount Amount %

DUE TO THE CENTRAL BANK AND OTHER BANKS (Notes 16 and 28) $ 202,656,838 $ 254,816,364 ( 20)

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR 4,525,836 2,650,154 71 LOSS (Notes 2, 6 and 20)

SECURITIES SOLD UNDER REPURCHASE AGREEMENTS (Notes 2, 55,961,852 43,247,160 29 6, 9, 12 and 17) Financial Statements Financial

PAYABLES (Note 18) 45,943,097 39,115,542 17

DEPOSITS AND REMITTANCES (Notes 19 and 28) 1,983,480,938 1,885,247,837 5

BANK DEBENTURES (Note 20) 77,771,000 84,321,000 ( 8)

ACCRUED PENSION COST (Notes 2 and 23) 1,763,570 1,645,063 7

OTHER FINANCIAL LIABILITIES (Notes 21 and 28) 4,554,131 4,608,630 ( 1)

OTHER LIABILITIES (Notes 2, 13, 22, 25 and 28) 3,272,227 3,454,168 ( 5)

Total liabilities 2,379,929,489 2,319,105,918 3

STOCKHOLDERS' EQUITY Capital Common stock - NT$10.00 par value; authorized 6,000,000 thousand shares; issued and outstanding 5,485,500 thousand shares in 2008 and 4,770,000 thousand shares in 2007 54,855,000 47,700,000 15 Capital surplus - additional paid-in capital from share issuance in excess of par value 32,207,944 32,207,944 - Retained earnings Legal reserve 8,993,862 6,071,750 48 Unappropriated earnings 7,592,988 12,660,965 ( 40) Total retained earnings 16,586,850 18,732,715 ( 11) Other equity Unrealized revaluation increments 4,420,439 4,419,580 - Cumulative translation adjustments 162,980 274,568 ( 41) Unrealized gain (loss) on ﬁnancial instruments 867,133 ( 896,081) 197 Treasury stock - 100,000 thousand shares ( 1,898,154) - - Total other equity 3,552,398 3,798,067 ( 6)

Total stockholders' equity 107,202,192 102,438,726 5

CONTINGENCIES AND COMMITMENTS (Notes 2 and 30)

0 3 TOTAL $ 2,487,131,681 $ 2,421,544,644 3 1 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. STATEMENTS OF INCOME YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars, Except Per Share Amounts)

Percentage 2008 2007 Increase (Decrease) Amount Amount %

INTEREST REVENUE (Notes 2, 28 and 32) $ 71,779,904 $ 66,367,211 8

INTEREST EXPENSE (Notes 2, 28 and 32) ( 44,423,797) ( 42,017,527) 6 2 0 NET INTEREST 27,356,107 24,349,684 12 0 8 NET REVENUE AND GAIN (LOSS) OTHER THAN INTEREST ANNUAL Service fee income, net (Notes 2, 28 and 32) 3,467,406 3,332,734 4 Loss on financial assets and liabilities at fair value through profit or ( 4,689,947) ( 148,847) 3,051 loss (Notes 2, and 32) Realized gain on available-for-sale financial assets (Notes 2, and 32) 156,358 667,864 ( 77) REPORT Realized loss on held-to-maturity financial assets (Note 2) ( 140,354) - - Income (loss) from equity investments under the equity method ( 96,152) 341,711 ( 128) (Notes 2, and 11) Foreign exchange gain, net (Note 2) 5,314,865 579,098 818 Impairment loss on assets (Notes 2, 12 and 15) ( 686,006) ( 439,680) 56 Gain on financial assets carried at cost (Note 2) 411,939 617,887 ( 33) Gain on disposal of properties and nonoperating assets (Note 2) 298,495 1,120,181 ( 73) Recovery of bad debts written off and overdue accounts 2,537,842 3,599,636 ( 29) Other noninterest gain, net (Notes 2, and 28) 338,527 544,023 ( 38)

Total net revenue and gain (loss) other than interest 6,912,973 10,214,607 ( 32)

TOTAL NET REVENUE 34,269,080 34,564,291 ( 1)

ALLOWANCE FOR BAD-DEBT EXPENSES (Notes 2, and 8) ( 6,248,668) ( 4,678,962) 34

OPERATING EXPENSES Personnel (Notes 2, 3 and 24) ( 12,338,982) ( 11,842,537) 4 Depreciation and amortization (Notes 2, and 24) ( 1,105,344) ( 1,103,517) - General and administrative ( 5,068,211) ( 4,997,861) 1

Total operating expenses ( 18,512,537) ( 17,943,915) 3

(Continued)

0 3 2 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. STATEMENTS OF INCOME YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars, Except Per Share Amounts)

Percentage 2008 2007 Increase (Decrease) Amount Amount %

INCOME BEFORE INCOME TAX $ 9,507,875 $ 11,941,414 ( 20)

INCOME TAX EXPENSE (Notes 2, and 25) ( 1,977,097) ( 2,201,041) ( 10)

NET INCOME $ 7,530,778 $ 9,740,373 ( 23) Financial Statements Financial

2008 2007

Before After Before After Income Income Income Income Tax Tax Tax Tax

EARNINGS PER SHARE (Note 27) Basic earnings per share $ 1.74 $ 1.38 $ 2.18 $ 1.78 Diluted earnings per share $ 1.73 $ 1.37 $ 2.18 $ 1.78

(Concluded)

TCB Public Welfare campaign---Baseball Camp.

0 3 3 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT - - - - 859 97,392 64,226) 68,182) 111,588) 395,425 513,812 ) 545,461) 1,763,214 9,740,373 7,530,778 3,150,000) 1,908,000) 1,798,676) 1,898,154) 97,732,250 94,004,212 99,917,083 Total Equity 102,438,726 Stockholders’ ( ( ( ( ( ( ( ( ( ------$ - Stock 1,898,154) and 26) (Notes 2 Treasury Treasury - - - ( ------902,595 902,595 $ 867,133 ($ 1,898,154) $107,202,192 896,081) 896,081) 1,763,214 1,798,676) Gain (Note 2) Financial (Loss) on Unrealized Instruments - - - ( 2 ------0 - -

0 Other Equity 97,392 177,176 $ 177,176 274,568 ( 274,568 ( 162,980 $

8 (111,588) ANNUAL (Note 2) - - - - Translation Translation Cumulative Adjustments

------859 REPORT 395,425 4,420,439 $ Unrealized - - - - Increments ,15 and 26) (Notes 2, 13 Revaluation $ 4,024,155 $

------

62,210 4,419,580 64,226) 68,182) 513,812) 545,461) 2,922,112) 9,740,373 7,530,778 9,401,193 7,592,988 $ 3,150,000) 1,908,000) 7,155,000) 2,752,563) Earnings Unappropriated - - ( ( ( ( ( ( ( ------(Notes 2 and 26) Retained Earnings 3,319,187 $ 2,922,112 ( Legal 8,993,862 $ 2,752,563 ( Reserve ------Capital 2,700,000) Surplus and 26) (Notes 2 32,207,944 $

------Stock Common ------(Note 26) Capital Stock 270,000 2,700,000 ( 715,500 7,155,000 4,500,000 $ 45,000,000 $ 34,907,944 $ 4,500,000 45,000,000 34,907,944 6,071,7504,770,000 2,920,592 47,700,000 4,024,155 32,207,944 6,071,7505,485,500 12,660,965 54,855,000 4,419,580 32,207,944 8,993,862 5,485,500 $ 54,855,000 $ Issued and Outstanding Shares (in - - - - Thousands)

0 3 4 Cash dividends Remuneration to directors and Bonus to employees Balance after appropriation Cash dividends Stock dividends Remuneration to directors and Bonus to employees Balance after appropriation supervisors supervisors Legal reserve Legal reserve nancial instruments nancial instruments BALANCE, JANUARY 1, 2007 Appropriation of the 2006 earnings Capital surplus transferred to Net income in 2007 Change in unrealized revaluation Change in cumulative translation Change in unrealized loss on BALANCE, DECEMBER 31, 2007 Appropriation of the 2007 earnings Net income in 2008 Change in unrealized revaluation Change in cumulative translation Change in unrealized gain on Acquisition of treasury stock - BALANCE, DECEMBER 31, 2008 capital stockAugust in 2007 100,000 thousand shares adjustments ﬁ adjustments increments increments ﬁ WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c YEARS ENDED DECEMBER 200831, AND 2007 TAIWAN COOPERATIVE BANK, LTD BANK, LTD COOPERATIVE TAIWAN STATEMENTS OF CHANGES IN STOCKHOLDERS'STATEMENTS EQUITY (In Thousands (In ofDollars) NewTaiwan TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT - - - - 859 97,392 64,226) 68,182) 111,588) 395,425 513,812 ) 545,461) TAIWAN COOPERATIVE BANK, LTD. 1,763,214 9,740,373 7,530,778 3,150,000) 1,908,000) 1,798,676) 1,898,154) 97,732,250 94,004,212 99,917,083 Total Equity 102,438,726 STATEMENTS OF CASH FLOWS

Stockholders’ YEARS ENDED DECEMBER 31, 2008 AND 2007 ( ( ( ( ( ------$ - (In Thousands of New Taiwan Dollars)

2008 2007 Stock 1,898,154) ( and 26) (Notes 2 Treasury Treasury CASH FLOWS FROM OPERATING ACTIVITIES Net income $ 7,530,778 $ 9,740,373 ------Loss (gain) on valuation of ﬁnancial instruments ( 824,507) 339,077 Gain on the sale of available-for-sale ﬁnancial assets ( 156,358) ( 578,873) 902,595 902,595 $ 867,133 ($ 1,898,154) $107,202,192 896,081) 896,081) 1,763,214

1,798,676) - ( Loss (income) from equity investments under the equity method, net of Gain 136,363 ( 199,182)

(Note 2) cash dividends received Financial (Loss) on Unrealized Instruments Impairment loss on assets 686,006 439,680 Depreciation and amortization 1,105,344 1,103,517 ------Gain on disposal of properties, nonoperating assets and collaterals assumed, ( 382,485) ( 1,190,465) Other Equity net 97,392 177,176 $ 177,176 274,568 ( 274,568 ( 162,980 $ (111,588) Allowance for bad-debt expenses 6,248,668 4,678,962 Financial Statements Financial

(Note 2) Other provisions 27,274 9,059 Translation Translation Cumulative Adjustments

Amortization of premium or discount on bonds 645,401 735,296 ------Provision for pension costs 118,507 351,910

859 Deferred income tax 1,021,161 1,333,830

395,425 Loss on the sale of held-to-maturity ﬁnancial assets 140,354 - 4,420,439 $ Gain on the sale of ﬁnancial assets carried at cost ( 173,599) ( 273,380) Unrealized Increments ,15 and 26) (Notes 2, 13 Revaluation $ 4,024,155 $

Others 29,668 ( 15,526) ------Net changes in operating assets and liabilities

62,210 4,419,580

64,226) 68,182) Held-for-trading ﬁnancial assets 10,809,207 7,444,082 513,812) - - - - ( 545,461) - - - - ( 2,922,112) 9,740,373 7,530,778 9,401,193 7,592,988 $ 3,150,000) 1,908,000) 7,155,000) 2,752,563) Receivables 1,036,064 241,617

Earnings Other assets ( 183,491) 11,381 Unappropriated ( ( ( ( ( Held-for-trading ﬁnancial liabilities ( 930,668) ( 2,492,428) Payables 6,812,759 ( 9,164,188) ------Other liabilities ( 279,268) ( 143,196) (Notes 2 and 26) Retained Earnings 3,319,187 $ 2,922,112 ( Legal 8,993,862 $ 2,752,563 (

Reserve Net cash provided by operating activities 33,417,178 12,371,546 ------CASH FLOWS FROM INVESTING ACTIVITIES Decrease (increase) in due from the Central Bank and call loans to other 40,596,679 ( 43,086,326) banks Capital 2,700,000) Surplus and 26) (Notes 2 32,207,944 $

Acquisition of financial assets designated at fair value through profit or loss ( 182,581) ( 1,470,751) Proceeds of the sale of financial assets designated at fair value through

------2,148,775 1,148,257 proﬁt or loss Increase in discounts and loans ( 111,839,726) ( 30,562,426)

Stock Acquisition of available-for-sale ﬁnancial assets ( 79,841,482) ( 75,893,498)

Common Proceeds of the sale of available-for-sale ﬁnancial assets 77,612,595 75,722,340 Acquisition of held-to-maturity ﬁnancial assets ( 6,051,969) ( 4,365,905) ------

(Note 26) Proceeds of the sale of and return of principal on held-to-maturity ﬁnancial 5,526,187 - Capital Stock assets 270,000 2,700,000 ( 715,500 7,155,000

4,500,000 $ 45,000,000 $ 34,907,944 $ 4,500,000 45,000,000 34,907,944 6,071,7504,770,000 2,920,592 47,700,000 4,024,155 32,207,944 6,071,7505,485,500 12,660,965 54,855,000 4,419,580 32,207,944 8,993,862 5,485,500 $ 54,855,000 $ Acquisition of debt instruments with no active market ( 19,043,506) ( 15,184,077) Issued and Outstanding Shares (in - - - - ( ------( - - - ( ------( Thousands) Proceeds of the sale of and return of principal on debt instruments with no 9,148,657 8,361,762 active market Proceeds of the sale of ﬁnancial assets carried at cost 385,684 336,484

Increase in other ﬁnancial assets ( 365,033) ( 439,175)

(Continued)

0 3 5 Cash dividends Remuneration to directors and Bonus to employees Balance after appropriation Cash dividends Stock dividends Remuneration to directors and Bonus to employees Balance after appropriation Legal reserve supervisors supervisors Legal reserve nancial instruments nancial instruments BALANCE, JANUARY 1, 2007 Appropriation of the 2006 earnings Capital surplus transferred to Net income in 2007 Change in unrealized revaluation Change in cumulative translation Change in unrealized loss on BALANCE, DECEMBER 31, 2007 Appropriation of the 2007 earnings Net income in 2008 Change in unrealized revaluation Change in cumulative translation Change in unrealized gain on Acquisition of treasury stock - BALANCE, DECEMBER 31, 2008 capital stockAugust in 2007 100,000 thousand shares ﬁ adjustments adjustments increments increments ﬁ WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. STATEMENTS OF CASH FLOWS YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars)

2008 2007

Acquisition of properties, intangible assets and nonoperating assets $ ( 1,518,547) $ ( 1,339,393) Proceeds of the sale of properties, nonoperating assets and collaterals assumed 952,515 1,984,626 Decrease (increase) in other assets ( 157,590) 58,946 Proceeds of the sale of nonperforming loans 9,364,024 8,645,318

Net cash used in investing activities ( 73,265,318) ( 76,083,818) 2 0 CASH FLOWS FROM FINANCING ACTIVITIES 0 Decrease in due to the Central Bank and other banks ( 52,159,526) ( 13,307,939) 8 Increase (decrease) in securities sold under repurchase agreements 12,714,692 ( 13,910,411) ANNUAL Increase in deposits and remittances 98,233,101 61,874,798 Repayment of bank debentures ( 16,540,000) - Issuance of bank debentures 10,000,000 20,170,000 Bonus to employees and remuneration to directors and supervisors ( 613,643) ( 576,979) REPORT Decrease in other ﬁnancial liabilities ( 54,499) ( 333,545) Cash dividends ( 1,903,204) ( 3,135,216) Acquisition of treasury stock ( 1,898,154) - Decrease in other liabilities ( 41,992) ( 4,335)

Net cash provided by ﬁnancing activities 47,736,775 50,776,373

EFFECTS OF EXCHANGE RATE CHANGES 203,383 ( 564,228)

INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 8,092,018 ( 13,500,127)

CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 32,500,510 46,000,637

CASH AND CASH EQUIVALENTS, END OF YEAR $ 40,592,528 $ 32,500,510

SUPPLEMENTAL CASH FLOW INFORMATION Interest paid $ 44,750,799 $ 40,898,578 Income tax paid $ 1,354,397 $ 725,022

PART-CASH INVESTING ACTIVITIES Sale of nonperforming loans - current year $ 3,103,990 $ 10,929,032 Receivables from the sale of nonperforming loans ( 2,483,192) ( 8,743,226) Proceeds of the sale of nonperforming loans - previous year 8,743,226 6,459,512 Proceeds of the sale of nonperforming loans $ 9,364,024 $ 8,645,318

NON-CASH INVESTING ACTIVITIES Acquisition of Taiwan Cooperative Bills Finance Corporation by using the Bank's creditor's rights converted to stockholder's rights, (Note 11), resulting $ - $ 529,516 in a decrease in receivables and an increase in equity-method investments

(Concluded)

Notice to Readers The notes to financial statements are published separately. If you have a need of it, please contact the Department of 0 International Banking (Tel: +886-2-27400628#331) or Secretariat (Tel: +886-2-23118811#633). 3 6 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT Financial Statements Financial

0 3 7 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Consolidated Financial Statements

INDEPENDENT AUDITORS’ REPORT

The Board of Directors and the Stockholders

Taiwan Cooperative Bank, Ltd.

We have audited the accompanying consolidated balance sheets of Taiwan Cooperative Bank, Ltd. and subsidiaries (collectively, 2 0 the “Company”) as of December 31, 2008 and 2007, and the related consolidated statements of income, changes in stockholders’ 0 equity and cash flows for the years then ended. These consolidated financial statements are the responsibility of the Company’s 8 management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. ANNUAL

We conducted our audits in accordance with the Rules Governing the Audit of Financial Statements of Financial Institutions by Certified Public Accountants, the Rules Governing the Audit of Financial Statements by Certified Public Accountants and

REPORT auditing standards generally accepted in the Republic of China. Those rules and standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the consolidated financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall consolidated financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, based on our audits, the consolidated financial statements referred to above present fairly, in all material respects, the consolidated financial position of Taiwan Cooperative Bank, Ltd. and subsidiaries as of December 31, 2008 and 2007, and the results of their operations and their cash flows for the years then ended, in conformity with the Guidelines Governing the Preparation of Financial Reports by Public Banks, Guidelines Governing the Preparation of Financial Reports by Futures Commission Merchants, and accounting principles generally accepted in the Republic of China.

As stated in Note 3 to the consolidated financial statements, under an explanation issued by the Accounting Research and Development Foundation of the Republic of China, Taiwan Cooperative Bank, Ltd. and subsidiaries should recognize bonus to employees and remuneration to directors and supervisors as compensation expenses effective January 1, 2008. These bonus and remuneration were previously recorded as appropriations from earnings.

0 3 8 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

As stated in Notes 3 and 33 to the consolidated financial statements, Taiwan Cooperative Bank, Ltd. and subsidiaries reclassified their financial assets in accordance with the newly amended Statement of Financial Accounting Standards No. 34 - “Financial Instruments: Recognition and Measurement.” Consolidated Financial Statements Financial Consolidated

March 2, 2009

Notice to Readers

The accompanying consolidated financial statements are intended only to present the consolidated financial position, results of operations and cash flows in accordance with accounting principles and practices generally accepted in the Republic of China and not those of any other jurisdictions. The standards, procedures and practices to audit such consolidated financial statements are those generally accepted and applied in the Republic of China.

For the convenience of readers, the auditors’ report and the accompanying consolidated financial statements have been translated into English from the original Chinese version prepared and used in the Republic of China. If there is any conflict between the English version and the original Chinese version or any difference in the interpretation of the two versions, the Chinese- language auditors’ report and consolidated financial statements shall prevail.

0 3 9 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars, Except Par Value)

Percentage 2008 2007 Increase (Decrease) ASSETS Amount Amount %

CASH AND CASH EQUIVALENTS $ 40,844,312 $ 32,749,198 25

DUE FROM THE CENTRAL BANK AND CALL LOANS TO OTHER BANKS 375,585,172 415,729,784 ( 10) 2 0 FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS 36,440,703 44,087,992 ( 17) 0 8 RECEIVABLES, NET 32,594,209 34,038,407 ( 4) ANNUAL

DISCOUNTS AND LOANS, NET 1,838,147,297 1,734,893,395 6

AVAILABLE-FOR-SALE FINANCIAL ASSETS 68,483,509 60,424,888 13 REPORT

HELD-TO-MATURITY FINANCIAL ASSETS 8,271,079 7,627,062 8

EQUITY INVESTMENTS UNDER THE EQUITY METHOD 76,596 69,306 11

OTHER FINANCIAL ASSETS, NET 62,253,128 55,010,237 13

PROPERTIES

Land (including revaluation increments) 22,486,712 22,216,108 1 Buildings 13,103,374 13,021,714 1 Machinery and equipment 5,224,189 4,792,128 9 Transportation equipment 693,981 696,506 - Other equipment 1,315,991 1,308,170 1 Leasehold improvements 648,062 565,913 15 43,472,309 42,600,539 2 Less: Accumulated depreciation 9,461,828 8,743,832 8 Less: Accumulated impairment 1,114 86,215 ( 99) 34,009,367 33,770,492 1 Construction in progress 24,476 42,545 ( 42) Prepayment for land and buildings - 54,664 ( 100) Prepayment for equipment 22,018 17,660 25

Properties, net 34,055,861 33,885,361 1

INTANGIBLE ASSETS 3,626,396 3,436,827 6

OTHER ASSETS, NET Nonoperating assets, net 4,076,970 4,188,372 ( 3) Refundable deposits 1,008,849 1,108,225 ( 9) Collaterals assumed, net 857,341 985,946 ( 13) Operating deposits and settlement funds 252,343 247,524 2 Deferred income tax assets, net - 724,141 ( 100) Others 441,098 276,081 60

Other assets, net 6,636,601 7,530,289 ( 12) 0 TOTAL $ 2,507,014,863 $ 2,429,482,746 3 4 0 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Percentage 2008 2007 Increase (Decrease) LIABILITIES AND STOCKHOLDERS’ EQUITY Amount Amount %

DUE TO THE CENTRAL BANK AND OTHER BANKS $ 204,503,066 $ 257,709,013 ( 21)

COMMERCIAL PAPER ISSUED, NET 1,559,382 399,574 290

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR 4,525,836 2,650,154 71 LOSS

SECURITIES SOLD UNDER REPURCHASE AGREEMENTS 63,308,291 43,251,070 46 Statements Financial Consolidated

PAYABLES 46,130,268 39,256,283 18

DEPOSITS AND REMITTANCES 1,983,233,481 1,884,858,034 5

BANK DEBENTURES 77,771,000 84,321,000 ( 8)

ACCRUED PENSION COST 1,763,570 1,645,063 7

OTHER FINANCIAL LIABILITIES 11,759,532 7,059,998 67

OTHER LIABILITIES 4,256,881 4,777,721 ( 11)

Total liabilities 2,398,811,307 2,325,927,910 3

STOCKHOLDERS' EQUITY OF PARENT COMPANY Capital stock Common stock - NT$10.00 par value; authorized 6,000,000 thousand shares; issued and outstanding 5,485,500 thousand shares in 2008 and 4,770,000 thousand shares in 2007 54,855,000 47,700,000 15 Capital surplus - additional paid-in capital from share issuance in excess of par value 32,207,944 32,207,944 - Retained earnings Legal reserve 8,993,862 6,071,750 48 Unappropriated earnings 7,592,988 12,660,965 ( 40) Total retained earnings 16,586,850 18,732,715 ( 11) Other equity Unrealized revaluation increments 4,420,439 4,419,580 - Cumulative translation adjustments 162,980 274,568 ( 41) Unrealized gain (loss) on financial instruments 867,133 ( 896,081) 197 Treasury stock - 100,000 thousand shares ( 1,898,154) - - Total other equity 3,552,398 3,798,067 ( 6)

Total stockholders' equity of parent company 107,202,192 102,438,726 5

MINORITY INTEREST 1,001,364 1,116,110 ( 10) Total stockholders' equity 108,203,556 103,554,836 4 CONTINGENCIES AND COMMITMENTS

TOTAL $ 2,507,014,863 $ 2,429,482,746 3 0 4 1 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars, Except Per Share Amounts)

Percentage 2008 2007 Increase (Decrease) Amount Amount %

INTEREST REVENUE $ 72,050,647 $ 66,661,164 8

INTEREST EXPENSE ( 44,765,178) ( 42,202,081) 6 2 0 NET INTEREST 27,285,469 24,459,083 12 0 8 NET REVENUE AND GAIN (LOSS) OTHER THAN INTEREST ANNUAL Service fee income, net 3,645,096 3,421,314 7 Loss on financial assets and liabilities at fair value through profit or ( 4,589,553) ( 134,190) 3,320 loss Realized gain on available-for-sale financial assets 175,732 668,196 ( 74)

REPORT Realized loss on held-to-maturity financial assets ( 140,354) - - Income from equity investments under the equity method 10,115 7,536 34 Foreign exchange gain, net 5,325,375 578,717 820 Impairment loss on assets ( 984,134) ( 439,680) 124 Gains on financial assets carried at cost 412,543 617,887 ( 33) Gains on disposal of properties and nonoperating assets 298,495 1,120,188 ( 73) Recovery of bad debts written off and overdue accounts 2,537,842 3,599,636 ( 29) Other noninterest gain, net 900,777 1,079,642 ( 17)

Total net revenue and gain (loss) other than interest 7,591,934 10,519,246 ( 28)

TOTAL NET REVENUE 34,877,403 34,978,329 -

ALLOWANCE FOR BAD-DEBT EXPENSES ( 6,572,902) ( 4,785,674) 37

OPERATING EXPENSES Personnel ( 12,515,542) ( 11,947,807) 5 Depreciation and amortization ( 1,111,587) ( 1,107,345) - General and administrative ( 5,177,999) ( 5,063,643) 2

Total operating expenses ( 18,805,128) ( 18,118,795) 4

(Continued)

0 4 2 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars, Except Per Share Amounts)

Percentage 2008 2007 Increase (Decrease) Amount Amount %

CONSOLIDATED INCOME BEFORE INCOME TAX $ 9,499,373 $ 12,073,860 ( 21)

INCOME TAX EXPENSE ( 2,097,858) ( 2,298,953) ( 9)

CONSOLIDATED NET INCOME $ 7,401,515 $ 9,774,907 ( 24)

ATTRIBUTABLE TO: Consolidated Financial Statements Financial Consolidated Parent company $ 7,530,778 $ 9,740,373 ( 23) Minority interest ( 129,263) 34,534 ( 474) $ 7,401,515 $ 9,774,907 ( 24)

2008 2007

Before After Before After Income Income Income Income Tax Tax Tax Tax

EARNINGS PER SHARE Basic earnings per share $ 1.74 $ 1.38 $ 2.18 $ 1.78 Diluted earnings per share $ 1.73 $ 1.37 $ 2.18 $ 1.78

(Concluded)

0 4 3 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT - - - - 859 68,182) 64,226) 157,113 395,425 517,754 545,461) 513,812) 131,427) 1,908,000) 1,798,738) 1,898,154) 3,150,000) 98,236,413 Total Total 108,203,556 Equity Stockholders' ( ( ( ( ( ( ( ------62) ( 59,721 34,534 9,774,907 34,356 1,797,570 19,839) ( 517,754 504,163 94,508,375 129,263) 7,401,515 1,001,364 $ 1,116,110 103,554,836 1,116,110 101,033,193 Interest Minority ( ( ( ------$ 504,163 $ Stock 1,898,154) $ 1,898,154) Treasury Treasury ( ------2 867,133 ($ 902,595 $ 896,081) 0 896,081) 1,763,214 1,798,676) Financial Financial (Loss) on on (Loss) 0 Instruments Instruments 8 ( Unrealized Gain ------ANNUAL Other Equity Other 97,392 111,588) 162,980 $ 177,176 $ Translation Translation Cumulative Cumulative Adjustments Adjustments ( REPORT ------859 395,425 4,420,439 $ 4,024,155 $ Unrealized Unrealized Increments Increments Revaluation Revaluation

------62,210 4,419,580 274,568 ( 64,226) (68,182) 545,461) 513,812) 2,922,112) 9,740,373 7,592,988 $ 7,530,778 9,401,193 $ 7,155,000) 1,908,000) 3,150,000) 2,752,563) Earnings Unappropriated ( ( ( ( ( ( ------Retained Earnings Legal 2,922,112 ( 8,993,862 $ 2,752,563 ( 3,319,187 $ Reserve Stockholders ’ Equity of Parent Company ------Capital Surplus 32,207,944 $ 34,907,944 $ ------Stock 54,855,000 $ 45,000,000 $ Common ------Stock Capital 715,500 7,155,000 270,000 2,700,000 (2,700,000) 5,485,500 54,855,000 32,207,944 8,993,862 4,770,000 47,700,000 32,207,944 6,071,750 12,660,965 4,419,580 274,568 ( 4,500,000 45,000,000 34,907,944 6,071,750 2,920,592 4,024,155 177,176 902,595 5,485,500 $ 4,500,000 $ Issued and Outstanding Shares (in Thousands)

0 4 YEARS ENDED DECEMBER 200831, AND 2007 TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES AND SUBSIDIARIES BANK, LTD. COOPERATIVE TAIWAN CONSOLIDATED STATEMENTS OF CONSOLIDATED CHANGESSTATEMENTS IN STOCKHOLDERS' EQUITY (In Thousands (In ofDollars) NewTaiwan Balance after appropriation Bonus to employees Remuneration to directors and supervisors Stock dividends Cash dividends Legal reserve Balance after appropriation Bonus to employees Remuneration to directors and supervisors Cash dividends 4 Legal reserve WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c Appropriation of the 2007 earnings BALANCE, DECEMBER 31, 2007 Change in unrealized loss on financial instruments Change in cumulative translation adjustments Consolidated net income in 2007 Change in unrealized revaluation increments Effect of increase in consolidated subsidiary Effect Corporation) Finance Cooperative Bills (Taiwan Capital surplus transferred to capital stock in August 2007 Acquisition of treasury stock - 100,000 thousand shares BALANCE, DECEMBER 31, 2008 Change in unrealized gain on financial instruments Change in cumulative translation adjustments Consolidated net income in 2008 Change in unrealized revaluation increments Appropriation of the 2006 earnings BALANCE, JANUARY 1, 2007 BALANCE, JANUARY TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars)

2008 2007

CASH FLOWS FROM OPERATING ACTIVITIES Consolidated net income $ 7,401,515 $ 9,774,907 Loss (gain) on valuation of financial instruments ( 825,229) 339,141 Gain on the sale of available-for-sale financial assets ( 175,732) ( 579,205) Income from equity investments under the equity method, net of cash dividends ( 7,190) ( 4,610) received Impairment loss on assets 984,134 439,680 Depreciation and amortization 1,111,587 1,107,345 Gain on disposal of properties, nonoperating assets and collaterals ( 382,485) ( 1,202,100) assumed, net Allowance for bad-debt expenses 6,572,902 4,785,674 Consolidated Financial Statements Financial Consolidated Other provisions 29,517 19,450 Recovery of credits written off 2,843 1,489 Amortization of premium or discount on bonds 656,062 734,371 Provision for pension costs 118,507 351,910 Deferred income tax 1,003,094 1,304,317 Loss on the sale of held-to-maturity financial assets 140,354 - Gain on the sale of financial assets carried at cost ( 173,599) ( 273,380) Loss (gain) on the sale of debt instruments with no active market 319,313 ( 15,526) Others ( 61,010) - Net changes in operating assets and liabilities Held-for-trading financial assets 7,971,241 7,449,513 Receivables 3,170,650 1,061,934 Other assets ( 163,303) 6,394 Held-for-trading financial liabilities ( 930,668) ( 2,492,428) Payables 6,859,189 ( 9,077,651) Other liabilities ( 282,828) ( 142,077)

Net cash provided by operating activities 33,338,864 13,589,148

CASH FLOWS FROM INVESTING ACTIVITIES Decrease (increase) in due from the Central Bank and call loans to other banks 40,144,612 ( 42,520,329) Acquisition of financial assets designated at fair value through profit or loss ( 182,581) ( 1,470,751) Proceeds of the sale of financial assets designated at fair value through 2,148,775 1,148,257 profit or loss Increase in discounts and loans ( 112,359,730) ( 31,266,412) Acquisition of available-for-sale financial assets ( 117,249,614) ( 75,893,830) Proceeds of the sale of available-for-sale financial assets 111,566,902 75,722,679 Acquisition of held-to-maturity financial assets ( 6,051,969) ( 4,365,905) Proceeds of the sale of and return of principal on held-to-maturity financial 5,526,187 - assets Acquisition of debt instruments with no active market ( 19,043,506) ( 16,774,512)

(Continued)

0 4 5 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars)

2008 2007

Proceeds of the sale of and return of principal on debt instruments with no $ 10,136,135 $ 9,689,140 active market Proceeds of the sale of financial assets carried at cost 385,684 336,484 Increase in other financial assets ( 365,033) ( 439,175) Acquisition of properties, intangible assets and nonoperating assets ( 1,546,225) ( 1,343,285) Proceeds of the sale of properties, nonoperating assets and collaterals 952,615 2,159,626 assumed 2 Decrease (increase) in other assets ( 165,963) 62,525 0 Proceeds of the sale of nonperforming loans 620,798 6,459,512 0 Cash and cash equivalents arising from the acquisition of Taiwan Cooperative Bills - 169,141 8 Finance Corporation - December 4, 2007 ANNUAL

Net cash used in investing activities ( 85,482,913) ( 78,326,835)

REPORT CASH FLOWS FROM FINANCING ACTIVITIES Decrease in due to the Central Bank and other banks ( 53,205,947) ( 12,933,265) Increase (decrease) in commercial paper issued 1,159,808 ( 618,978) Increase (decrease) in securities sold under repurchase agreements 20,057,221 ( 13,900,407) Increase in deposits and remittances 98,375,447 61,788,585 Repayment of bank debentures ( 16,540,000) - Issuance of bank debentures 10,000,000 20,170,000 Increase in other financial liabilities 4,699,534 1,166,413 Decrease in other liabilities ( 39,611) ( 17,911) Bonus to employees and remuneration to directors and supervisors ( 613,643) ( 576,979) Cash dividends ( 1,903,204) ( 3,135,216) Acquisition of treasury stock ( 1,898,154) -

Net cash provided by financing activities 60,091,451 51,942,242

EFFECTS OF EXCHANGE RATE CHANGES 147,712 ( 677,804)

INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 8,095,114 ( 13,473,249)

CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 32,749,198 46,222,447

CASH AND CASH EQUIVALENTS, END OF YEAR $ 40,844,312 $ 32,749,198

SUPPLEMENTAL CASH FLOW INFORMATION Interest paid $ 45,089,096 $ 41,047,244 Income tax paid $ 1,469,275 $ 806,375

(Continued)

0 4 6 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

TAIWAN COOPERATIVE BANK, LTD. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS YEARS ENDED DECEMBER 31, 2008 AND 2007 (In Thousands of New Taiwan Dollars)

2008 2007

PART-CASH INVESTING ACTIVITIES

Sale of nonperforming loans - current year $ 3,103,990 $ -

Receivables from the sale of nonperforming loans ( 2,483,192) - Proceeds of the sale of nonperforming loans - previous year - 6,459,512 Proceeds of the sale of nonperforming loans $ 620,798 $ 6,459,512

(Concluded) Consolidated Financial Statements Financial Consolidated

0 4 7 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Designated Foreign Exchange Banks

INTERNATIONAL BANKING DEPARTMENT MINSHENG BRANCH 3rd Fl., No. 325, Jhongsiao E. Rd., Sec. 4, Taipei City, Taiwan No. 126, Minsheng E. Rd, Sec. 3, Taipei City, Taiwan TEL:+886-2-27400628 FAX:+886-2-27512962 TEL:+886-2-27181339 FAX:+886-2-27163180 Telex:17176 TACBID ; SWIFT:TACBTWTP SWIFT:TACBTWTP093

2 KAOHSIUNG BRANCH TAINAN BRANCH 0 No. 99, Dayong Rd., Kaohsiung City, Taiwan No. 48, Chenggong Rd., Tainan City, Taiwan 0 TEL:+886-7-5514221 FAX:+886-7-5321389 TEL:+886-6-2232101 FAX:+886-6-2218356 8

ANNUAL SWIFT:TACBTWTP034 SWIFT:TACBTWTP030

TAICHUNG BRANCH JHONGSIAO BRANCH

REPORT No. 2, Zihyou Rd., Sec 2,Taichung City, Taiwan No. 285, Jhongsiao E. Rd., Sec. 4, Taipei City, Taiwan TEL:+886-4-22245121 FAX:+886-4-22220112 TEL:+886-2-27718811 FAX:+886-2-27311982 SWIFT:TACBTWTP022 SWIFT:TACBTWTP045

JHONGSHAN LU BRANCH WUJHOU BRANCH No. 71, Jhongshan N. Rd., Sec. 2, Taipei City, Taiwan No. 237, Songjiang Rd., Taipei City, Taiwan TEL:+886-2-25213211 FAX:+886-2-25232802 TEL:+886-2-25077664 FAX:+886-2-25163888 SWIFT:TACBTWTP002 SWIFT:TACBTWTPAAA

BUSINESS DEPARTMENT DA-AN BRANCH 3rd Fl., No. 77, Kuanchien Rd., Taipei City, Taiwan No. 1, Lane 81, Dunhua S. Rd., Sec. 2, Taipei City, Taiwan TEL:+886-2-23118811 FAX:+886-2-23885075 TEL:+886-2-27553482 FAX:+886-2-27056016 SWIFT:TACBTWTP056 SWIFT:TACBTWTP076

CHENGDONG BRANCH SINYI BRANCH No. 87, Songjiang Rd., Taipei City, Taiwan No. 172, Sinyi Rd., Sec. 4, Taipei City, Taiwan TEL:+886-2-25070111 FAX:+886-2-25084784 TEL:+886-2-27067188 FAX:+886-2-27554862 SWIFT:TACBTWTP060 SWIFT:TACBTWTP083

NANJING DONGLU BRANCH YANPING BRANCH No. 98, Nanjing E. Rd., Sec. 1, Taipei City, Taiwan No. 301, Nanjing W. Rd., Taipei City, Taiwan TEL:+886-2-25623150 FAX:+886-2-25819592 TEL:+886-2-25554111 FAX:+886-2-25567742 SWIFT:TACBTWTP041 SWIFT:TACBTWTP004

FUSING BRANCH JHONGHE BRANCH No. 237, Fusing S. Rd., Sec. 1, Taipei City, Taiwan No. 9, Taihe St., Jhonghe City, Taipei County, Taiwan TEL:+886-2-27541111 FAX:+886-2-27541118 TEL:+886-2-22499500 FAX:+886-2-22462494 SWIFT:TACBTWTP091 SWIFT:TACBTWTP062

0 4 8 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

CHANGHUA BRANCH DONG SINJHUANG BRANCH No. 279, Minsheng Rd., Changhua City, Changhua County, No.339, Sihyuan Road, Sinjhuang City, Taipei County, Taiwan Taiwan TEL:+886-2-29973456 FAX: +886-2-29965856 TEL:+886-4-7225151 FAX:+886-4-7252183 SWIFT:TACBTWTP098 SWIFT:TACBTWTP023 NEIHU BRANCH SONGJIANG BRANCH 1F., No 502, Rueiguang Rd., Neihu District, Taipei City, Taiwan No. 152, Songjiang Rd., Taipei City, Taiwan TEL:+886-2-26590001 FAX:+886-2-26590106

TEL:+886-2-25224567 FAX:+886-2-25314172 SWIFT:TACBTWTP156 Designated Foreign Banks Exchange SWIFT:TACBTWTP095 CIANJHEN BRANCH CHIAYI BRANCH No. 56, Caoya 1st Rd., Cianjhen District, Kaohsiung City, Taiwan No. 279, Guohua St., Chiayi City, Taiwan TEL:+886-7-8416491 FAX:+886-7-8414953 TEL:+886-5-2224571 FAX:+886-5-2245297 SWIFT:TACBTWTPAAB SWIFT:TACBTWTP028 KAOHSIUNG SCIENCE-BASED PARK BRANCH TAIPEI BRANCH 1F, NO.92, Luke 5th Rd., Lujhu Township, Kaohsiung County, No. 55, Fusing N. Rd., Taipei City, Taiwan Taiwan TEL:+886-2-27724277 FAX:+886-2-27518019 TEL:+886-7-6955151 FAX:+886-7-6955255 SWIFT:TACBTWTP054 SWIFT:TACBTWTP318

HSINCHU BRANCH SHUANGHE BRANCH No. 23, Jhongjheng Rd., Hsinchu City, Taiwan No. 196, Jian 1st Rd., Jhonghe City, Taipei County, Taiwan TEL:+886-3-5244151 FAX:+886-3-5225921 TEL:+886-2-82271627 FAX:+886-2-82271617 SWIFT:TACBTWTP017 SWIFT:TACBTWTP144

TAOYUAN BRANCH ZIHCIANG BRANCH No. 58, Jhongjheng Rd., Taoyuan City, Taiwan 1~3F, No.85, Sec. 2, Nanjing E. Rd., Taipei City, Taiwan TEL:+886-3-3326121 FAX:+886-3-3338891 TEL:+886-2-21003100 FAX:+886-2-25314470 SWIFT:TACBTWTP015 SWIFT:TACBTWTP501

BANCIAO BRANCH GANGDU BRANCH No. 20, Wunhua Rd., Sec. 1, Banciao City, Taipei County, Taiwan No.230, Jhongjheng 4th Rd., Cianjin District, Kaohsiung City, TEL:+886-2-29660971 FAX:+886-2-29660936 Taiwan SWIFT:TACBTWTP011 TEL:+886-7-2914131 FAX:+886-7-2517850 SWIFT:TACBTWTP524 DALI BRANCH No.384, Sec. 1,Chung Hsing Road, Dali City, Taichung County, Taiwan TEL:+886-4-24934111 FAX: +886-4-24934125 SWIFT:TACBTWTP102

0 4 9 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

SINJHONG BRANCH BEI LUODONG BRANCH No.91, Mincyuan Rd., West District, Taichung City, Taiwan No.54, Jhongjheng N. Rd., Luodong Township, Yilan County, TEL:+886-4-22237711 FAX:+886-4-22231448 Taiwan SWIFT:TACBTWTP516 TEL:+886-39-545795 FAX:+886-39-576276 SWIFT:TACBTWTP541 2 DONG CHIAYI BRANCH 0 No.425, Mincyuan Rd., Chiayi City, Taiwan FONGJHONG BRANCH 0 TEL:+886-5-2225281 FAX:+886-5-2231981 No.351, Jhongjheng Rd., Fongyuan City, Taichung County, 8

ANNUAL SWIFT:TACBTWTP584 Taiwan TEL:+886-4-25280369 FAX:+886-4-25278825 PINGJHONG BRANCH SWIFT:TACBTWTP554

REPORT 1~3F., No.287, Minsheng Rd., Pingtung City, Pingtung County, Taiwan BANSIN BRANCH TEL:+886-8-7326391 FAX:+886-8-7336594 1~2F, No.30, Sec. 1, Wunhua Rd., Banciao City, Taipei County, SWIFT:TACBTWTP579 Taiwan TEL:+886-2-22726850 FAX:+886-2-29606365 YUANSIN BRANCH SWIFT:TACBTWTP531 No.733, Sec. 1 , Jhongshan Rd., Yuanlin Township, Changhua County, Taiwan DUNNAN BRANCH TEL:+886-4-8322741 FAX:+886-4-8358196 No.362, Sec. 1, Dunhua S. Rd., Da-an District, Taipei City, Taiwan SWIFT:TACBTWTP560 TEL:+886-2-27011117 FAX:+886-2-27075176 SWIFT:TACBTWTP503 CHIHKAN BRANCH No.204, Chenggong Rd., North District, Tainan City, Taiwan JHONGLUN BRANCH TEL:+886-6-2201302 FAX:+886-6-2264704 No.45, Dongsing Rd., Sinyi District, Taipei City, Taiwan SWIFT:TACBTWTP521 TEL:+886-2-87681717 FAX:+886-2-87682169 SWIFT:TACBTWTP504 DONG TAOYUAN BRANCH No.12, Jhonghua Rd., Taoyuan City, Taoyuan County, Taiwan LISIN BRANCH TEL:+886-3-3355009 FAX:+886-3-3365363 1~3F, No.119, Jhongshan Rd., Jhongli City, Taoyuan County, SWIFT:TACBTWTP543 Taiwan TEL:+886-3-4222131 FAX:+886-3-4253090 JHUCIAN BRANCH SWIFT:TACBTWTP544 No.60, Dongmen St., Hsinchu City, Taiwan TEL:+886-35-215120 FAX:+886-35-250270 NAN SANCHONG BRANCH SWIFT:TACBTWTP563 No.120, Jhengyi N. Rd., Sanchong City, Taipei County, Taiwan TEL:+886-2-29817117 FAX:+886-2-29848861 SWIFT:TACBTWTP532

0 5 0 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

CISIAN BRANCH BEI SHIHLIN BRANCH No.216, Cisian 1st Rd., Sinsing District, Kaohsiung City, Taiwan 1F, No.837~849, Sec. 5, Jhongshan N. Rd., Shihlin District, Taipei TEL:+886-7-2365503 FAX:+886-7-2361016 City, Taiwan SWIFT:TACBTWTP525 TEL:+886-2-88665959 FAX:+886-2-88665353 SWIFT:TACBTWTP508 WORLD TRADE CENTER BRANCH 2F, No.333, Sec. 1, Keelung Rd., Sinyi District, Taipei City, Taiwan SHIHCYUAN BRANCH TEL:+886-2-27291333 FAX:+886-2-27576171 No.189, Bo-ai 1st Rd., Sanmin District, Kaohsiung City, Taiwan

SWIFT:TACBTWTP505 TEL:+886-7-3230611 FAX:+886-7-3230668 Designated Foreign Banks Exchange SWIFT:TACBTWTP527 RENDE BRANCH No.4~8, Sec. 3, Jhongjiheng Rd., Rende Township, Tainan County, BAOCIAO BRANCH Taiwan 1F, No.2, Lane 235, Baociao Rd., Sindian City, Taipei County, TEL:+886-6-2794616 FAX:+886-6-2700594 Taiwan SWIFT:TACBTWTP570 TEL:+886-2-29185506 FAX:+886-2-29185512 SWIFT:TACBTWTP535 YANJI BRANCH 1~2F, No.376-1, Sec. 4, Ren-ai Rd., Da-an District, Taipei City, SINTAI BRANCH Taiwan No.115, Sintai Rd., Sinjhuang City, Taipei County, Taiwan TEL:+886-2-27069955 FAX:+886-2-27042086 TEL:+886-2-29986688 FAX:+886-2-29986633 SWIFT:TACBTWTP506 SWIFT:TACBTWTP536

HSINCHU SCIENCE-BASED INDUSTRIAL PARK SIHU BRANCH BRANCH 1F, No.206~208, Rueiguang Rd., Neihu District, Taipei City, 1~2F, No.1, Keji Rd., Hsinchu City, Taiwan Taiwan TEL:+886-35-783962 FAX:+886-35-781859 TEL:+886-2-27971989 FAX:+886-2-26581027 SWIFT:TACBTWTP564 SWIFT:TACBTWTP510

JHONGGANG BRANCH NAN SIJHIH BRANCH No.152, Sec. 3, Wunsin Rd., Situn District, Taichung City, Taiwan 1F, No.94-1, Sec. 1, Sintai 5th Rd., Sijhih City, Taipei County, TEL:+886-4-23138811 FAX:+886-4-23136493 Taiwan SWIFT:TACBTWTP517 TEL:+886-2-26968888 FAX:+886-2-26962222 SWIFT:TACBTWTP538 JHANGHE BRANCH 1~2F, No.246-1, Liancheng Rd., Jhonghe City, Taipei County, NANKAN BRANCH Taiwan No.11, Nanshang Rd., Lujhu Township, Taoyuan County, Taiwan TEL:+886-2-22262829 FAX:+886-2-22256481 TEL:+886-3-3221199 FAX:+886-3-3225477 SWIFT:TACBTWTP534 SWIFT:TACBTWTP545

0 5 1 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

WUCYUAN BRANCH BEI HSINCHU BRANCH No.61, Sec. 2, Gongyi Rd., Taichung City, Taiwan No.168, Beida Rd., Hsinchu City, Taiwan TEL:+886-4-23229191 FAX:+886-4-23200601 TEL:+886-3-5284001 FAX:+886-3-5247655 SWIFT:TACBTWTP069 SWIFT: TACBTWTP124

2 NANTOU BRANCH JHUBEI BRANCH 0 No.96, Jhongshan St., Nantou City, Nantou County, Taiwan NO.261, Guangming 6th Rd., Jhubei City, Hsinchu County, 0 TEL:+886-49-2234141 FAX:+886-49-2228485 Taiwan 8

ANNUAL SWIFT:TACBTWTP025 TEL:+886-3-5546000 FAX:+886-3-5545614 SWIFT:TACBTWTP131 TUCHENG BRANCH NAN TAICHUNG BRANCH

REPORT No.96, Sec.2,Jhongyang Rd., Tucheng City, Taipei County, Taiwan TEL:+886-2-22651611 FAX:+886-2-22651667 No.789, Jhongming S. Rd., Taichung City, Taiwan SWIFT:TACBTWTP145 TEL:+886-4-22617211 FAX:+886-4-22633964 SWIFT:TACBTWTP107 GANGSHAN BRANCH No.2, Siaocian Rd., Gangshan Township, Kaohsiung County, JHONGSING BRANCH Taiwan No.5, Gongyuan Rd., Central District, Taichung City, Taiwan TEL:+886-7-6216161 FAX:+886-7-6216195 TEL:+886-4-22241161 FAX:+886-4-22257517 SWIFT:TACBTWTP033 SWIFT:TACBTWTP050

FONGYUAN BRANCH YUNLIN BRANCH No.102, Jhongjheng Rd., Fongyuan City, Taichung County, No.223, Minsheng Rd., Douliou City, Yunlin County, Taiwan Taiwan TEL:+886-5-5324811 FAX:+886-5-5320332 TEL:+886-4-25231122 FAX:+886-4-25272540 SWIFT:TACBTWTP566 SWIFT:TACBTWTP020 YONGKANG BRANCH JHONGSHAN BRANCH No.357, Jhonghua Rd., Yongkang City, Tainan County, Taiwan No.2, Sec. 2, Nanjing E. Rd., Jhongshan District, Taipei City, TEL:+886-6-2316971 FAX:+886-6-2316924 Taiwan SWIFT:TACBTWTP153 TEL:+886-2-25214065 FAX:+886-2-25319567 SWIFT: TACBTWTP502 WANNEI BRANCH No.675, Jiangong Rd., Sanmin District, Kaohsiung City, Taiwan DONG JHUBEI BRANCH TEL:+886-7-3861591 FAX:+886-7-3869394 No.343, Jhongjheng, E. Rd., Jhubei City, Hsinchu County, Taiwan SWIFT:TACBTWTP128 TEL:+886-3-5540108 FAX:+886-3-5540110 SWIFT: TACBTWTP551 KAOHSIUNG SOFTWARE PARK BRANCH No. 11-2, Chenggong 2nd Rd., Qianzhen District, Kaohsiung City, Taiwan TEL:+886-7-5351888 FAX:+886-7-5352008 SWIFT:TACBTWTP352

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Service Network

Head Office

77, Kuanchien Road, Jhongcheng District,Taipei 100, Taiwan, Tel:+886-2-23118811; Fax:+886-2-23752954 Web Site http://www.tcb-bank.com.tw

Auditing Division, Board of Directors Electronic Banking Department Tel: +886-2-23118811 Tel: +886-2-23317531 Service Network Secretariat, Board of Directors Credit Card Department Tel: +886-2-23118811 Tel: +886-2-23317531

Business Management Department Loan Assets Management Department Tel: +886-2-23118811 Tel: +886-2-23118811

Treasury Department General Affairs Division Tel: +886-2-27312798 Tel: +886-2-23118811

Corporate Banking Department Accounting Division Tel: +886-2-23118811 Tel: +886-2-23118811

Credit Management Department Information Technology Division Tel: +886-2-23118811 Tel: +886-2-27045799

International Banking Department Credit Analysis & Research Division Tel: +886-2-27400628 Tel: +886-2-23118811

Personal Banking Department Human Resource Division Tel: +886-2-23317531 Tel: +886-2-23118811

Trust Department Risk Management Division Tel: +886-2-23118001 Tel: +886-2-23118811

Wealth Management Department Legal Affairs Division Tel: +886-2-23611100 Tel: +886-2-23118811

Securities Department Security Management Division Tel: +886-2-23712798 Tel: +886-2-23118811

Secretariat Tel: +886-2-23118811

0 5 3 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c TAIWAN COOPERATIVE 2008 BANK ANNUAL REPORT

Domestic Units

Offshore Banking Branch Nanjing Donglu Branch th 6 Fl., No. 325, Jhongsiao E. Rd., Sec. 4, Taipei, Taiwan No.98, Sec. 1, Nanjing E. Rd., Taipei, Taiwan Tel: +886-2-27400628 Tel:+886-2-25623150

2 Business Department Wujhou Branch 0 0 77, Kuanchien Rd., Taipei, Taiwan, No.237, Sungchiang Rd., Taipei, Taiwan 8 Tel:+886-2-23118811 Tel:+886-2-25077666 Service Network ANNUAL

Taida Branch Datong Branch B1, No.7, Jhongshan S. Rd., Taipei, Taiwan No.10, Sec. 3, Chengde Rd., Taipei, Taiwan

REPORT Tel:+886-2-23568071 Tel:+886-2-25932323

Dunhua Branch Shihpai Branch No.88, Sec. 1, Dunhua S. Rd., Taipei, Taiwan No.201, Sec. 2, Shihpai Rd., Taipei, Taiwan Tel:+886-2-27769666 Tel:+886-2-28747611

Taipei Branch Jhongsiao Branch No.55, Fuhsing N. Rd., Taipei, Taiwan No. 285, Sec. 4,Jhongsiao E. Rd., Taipei, Taiwan Tel:+886-2-27724277 Tel:+886-2-27718811

Dadaocheng Branch Sansing Branch No.67, Sec. 2, Chungking N. Rd., Taipei, Taiwan No. 77, Sec. 2, Keelung Rd., Taipei, Taiwan Tel:+886-2-25568111 Tel:+886-2-27388181

Jhongshan Lu Branch Songshan Branch No.71, Sec. 2, Jhongshan N. Rd., Taipei, Taiwan No. 622, Sec. 4, Bade Rd., Taipei, Taiwan Tel:+886-2-25213211 Tel:+886-2-27656261

Yanping Branch Shihlin Branch No.301, Nanking W. Rd., Taipei, Taiwan No. 282, Chungcheng Rd., Shihlin District, Taipei, Taiwan Tel:+886-2-25554111 Tel:+886-2-28313141

Simen Branch Jingmei Branch No.77, Kunming St., Taipei, Taiwan No. 457, Sec. 6, Roosevelt Rd., Taipei, Taiwan Tel:+886-2-23814949 Tel:+886-2-29318111

Dongmen Branch Chengdong Branch No.208, Sec. 2, Hsinyi Rd., Taipei, Taiwan No.87, Songjiang Rd., Taipei, Taiwan Tel:+886-2-23933123 Tel:+886-2-25070111

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Da-an Branch Yucheng Branch No.1, Lane 81, Sec.2 Dunhua S. Rd., Taipei, Taiwan No.815, Sec. 5, Jhongsiao E. Rd., Taipei, Taiwan Tel:+886-2-27553482 Tel:+886-2-27856060

Mincyuan Branch Guting Branch 2 No.58, Sec. 3, Mincyuan E. Rd., Taipei, Taiwan No.65, Sec.1, Hoping E. Rd., Taipei, Taiwan 0 Tel:+886-2-25057011 Tel:+886-2-23949205 0 8 Service Network ANNUAL Beining Branch Chang-an Branch No.16, Sec.4, Nanking E. Rd., Taipei, Taiwan No.9, Sec.1, Chang-an E. Rd., Taipei, Taiwan Tel:+886-2-25798811 Tel:+886-2-25637181 REPORT Dong Taipei Branch Songsing Branch No.325, Sec. 4, Jhongsiao E. Rd., Taipei, Taiwan No.202-1, Sec.5, Nanking E. Rd., Taipei, Taiwan Tel:+886-2-27721234 Tel:+886-2-27643131

Chengnei Branch Minzu Branch No.87, Hengyang Rd., Taipei, Taiwan No.277, Sec.3, Chengde Rd., Taipei, Taiwan Tel:+886-2-23311041 Tel:+886-2-25962271

Jianguo Branch Fusing Branch No.77, Sec. 3, Sinyi Rd., Taipei, Taiwan No.237, Sec.1, Fusing S. Rd., Taipei, Taiwan Tel:+886-2-27027850 Tel:+886-2-27541111

Yuanshan Branch Shuanglian Branch No. 89-4, Sec. 2, Chungshan N. Rd., Taipei, Taiwan No.113, Minsheng W. Rd., Taipei, Taiwan Tel:+886-2-25113245 Tel:+886-2-25577151

Sinyi Branch Minsheng Branch No.172, Sec. 4, Sinyi Rd., Taipei, Taiwan No.126, Sec.3, Minsheng E. Rd., Taipei, Taiwan Tel:+886-2-27067188 Tel:+886-2-27181339

Changchun Branch Sinsheng Branch No.201, Changchun Rd., Taipei, Taiwan No.93, Sec.1, Sinsheng S. Rd., Taipei, Taiwan Tel:+886-2-25035015 Tel:+886-2-27771888

Ren-ai Branch Songjiang Branch No.325, Sec. 4, Ren-ai Rd., Taipei, Taiwan No.152, Songjiang Rd., Taipei, Taiwan Tel:+886-2-27763071 Tel:+886-2-25224567

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Yongji Branch Bei Shihlin Branch No.279, Songshan Rd., Taipei, Taiwan No.837, Sec.5, Jhongshan N. Rd., Taipei, Taiwan Tel:+886-2-27675226 Tel:+886-2-88665959

Fudan Branch Sinwei Branch 2 No.100, Sec.4, Shihmindadao, Taipei, Taiwan No.303, Sec.1, Fusing S. Rd., Taipei, Taiwan 0 Tel:+886-2-27215551 Tel:+886-2-27053828 0 8 Service Network ANNUAL Neihu Branch Sihu Branch No.502, Rueiguang Rd., Neihu , Taipei, Taiwan No.206, Rueiguang Rd., Taipei, Taiwan Tel:+886-2-26590001 Tel:+886-2-27971989 REPORT Nangang Branch Dahu Branch No.19-13, Sanjhong Rd., Nangang , Taipei, Taiwan No.314, Sec.6, Mincyuan E. Rd., Taipei, Taiwan Tel:+886-2-26550777 Tel:+886-2-26328600

Zihciang Branch Daciao Branch No.85, Sec.2, Nanjing E. Rd., Taipei, Taiwan No.136, Mincyuan W. Rd., Taipei, Taiwan Tel:+886-2-21003100 Tel:+886-2-25579577

Jhongshan Branch National Medical Center Branch No.2, Sec.2, Nanjing E. Rd., Taipei, Taiwan No.325, Sec.2, Chenggong Rd., Neihu , Taipei, Taiwan Tel:+886-2-25214065 Tel:+886-2-87925745

Dunnan Branch Gongguan Mini-Branch No.362, Sec.1, Dunhua S. Rd., Taipei, Taiwan No.29, Lane 113, Sec.4, Luosihfu Rd., Taipei, Taiwan Tel:+886-2-27011117 Tel:+886-2-27357457

World Trade Center Branch Jhongcin Mini-Branch 2nd Fl., No.333, Sec.1, Keelung Rd., Taipei, Taiwan No.360, Sec.6, Jhongsiao E. Rd., Taipei, Taiwan Tel:+886-2-27291333 Tel:+886-2-27857291

Yanji Branch Jiankang Branch No.376-1, Sec.4, Renai Rd., Taipei, Taiwan No.131, Jiankang Rd., Taipei, Taiwan Tel:+886-2-27069955 Tel:+886-2-27627184

Guangfu South Road Branch Bo-ai Mini-Branch No.102, Guangfu S.Rd., Taipei, Taiwan No.172-1, Boai Rd., Taipei, Taiwan Tel:+886-2-27518770 Tel:+886-2-23822835

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Jieshou Mini-Branch Yonghe Branch No.164, Boai Rd., Taipei, Taiwan No. 575, Jhongjheng Rd., Yonghe City, Taipei County, Taiwan Tel:+886-2-23710461 Tel:+886-2-29236611

Wunhua Mini-Branch Jhonghe Branch 2 No.107, Linsen S. Rd., Taipei, Taiwan No.9, Taihe St. Jhonghe City, Taipei County, Taiwan 0 Tel:+886-2-23413261 Tel:+886-2-22499500 0 8 Service Network ANNUAL Fusinggang Branch Shuanghe Branch No.70, Sec.2, Jhongyang N. Rd., Taipei, Taiwan No.196, Jianyi Rd., Jhonghe City, Taipei County, Taiwan Tel:+886-2-28941534 Tel:+886-2-82271627 REPORT Bei Yuanshan Branch Nanshihjiao Branch No.31, Sec.3, Jhongshan N. Rd., Taipei, Taiwan No.20, Sec.1, Sing S. Rd., Jhonghe City, Taipei County, Taiwan Tel:+886-2-25971630 Tel:+886-2-29461266

Songbei Branch Sindian Branch No.174, Sec.2, Minsheng E. Rd., Taipei, Taiwan No.32, Guangming St., Sindian City, Taipei County, Taiwan Tel:+886-2-25035523 Tel:+886-2-29111111

Ganghu Branch Liouhe Branch No. 223, Jhongyang Rd., Nangang , Taipei, Taiwan No.2, San Min Rd., Sindian City, Taipei County, Taiwan Tel:+886-2-27862268 Tel:+886-2-29172911

Jilin Branch Sanchong Branch No.125, Sec.2, Minsheng E. Rd., Taipei, Taiwan No.17, Jhengyi S. Rd., Sanchong City, Taipei County, Taiwan Tel:+886-2-25633906 Tel:+886-2-29738111

Nanking West Road Branch Dong Sanchong Branch No.46, Nanking W. Rd., Taipei, Taiwan No.37, Sec.2, Sanhe Rd., Sanchong City, Taipei County, Taiwan Tel:+886-2-25523000 Tel:+886-2-29728110

Jhonglun Branch Bei Sanchong Branch No.45, Dongsing Rd., Taipei, Taiwan No.84, Sanming Rd., Luzhou City, Taipei County, Taiwan Tel:+886-2-87681717 Tel:+886-2-82825678

Sinhu Branch Sinjhuang Branch No.255, Sinhu 2nd Rd., Taipei, Taiwan No.200, Jhongjheng Rd., Sinjhuang City, Taipei County, Taiwan Tel:+886-2-27908118 Tel:+886-2-29929981

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Dong Sinjhuang Branch Wugu Branch No.339, Sihyuan Rd., Sinjhuang City, Taipei County, Taiwan No.2, Sec.1, Jhongsing Rd., Wugu Township, Taipei County, Tel:+886-2-29973456 Taiwan Tel:+886-2-89769698 Haishan Branch 2 No.443, Sec.2, Wunhua Rd., Banciao City, Taipei County, Taiwan Shulin Branch 0 Tel:+886-2-22551333 No.152, Sec.1, Jhongshan Rd., Shulin City, Taipei County, Taiwan 0 Tel:+886-2-86872211 8 Service Network ANNUAL Banciao Branch No.20, Sec.1, Wunhua Rd., Banciao City, Taipei County, Taiwan Taishan Branch Tel:+886-2-29660971 No.148, Sec. 3, Mingjhih Rd., Taishan Township, Taipei County,

REPORT Taiwan Pucian Branch Tel:+886-2-29082811 2nd Fl., No.33, Sec.2, Sanmin Rd., Banciao City, Taipei County, Taiwan Bei Sansia Branch Tel:+886-2-29631122 No.71, Wunhua Rd., Sansia Township, Taipei County, Taiwan Tel:+886-2-26711110 Tucheng Branch No.96, Sec.2, Jhongyang Rd., Tucheng City, Taipei County, Bansin Branch Taiwan No.30, Sec. 1, Wunhua Rd., Banciao City, Taipei County, Taiwan Tel:+886-2-22651611 Tel:+886-2-22726850

Sijhih Branch Nan Sanchong Branch No.225, Jhongsiao E. Rd., Sijhih City, Taipei County, Taiwan No.120, Jhengyi N. Rd., Sanchong City, Taipei County, Taiwan Tel:+886-2-26413211 Tel:+886-2-29817117

Sansia Branch Beisin Branch No.61, Wunhua Rd., Sansia Township, Taipei County, Taiwan No.288, Guangming St., Sindian City, Taipei County, Taiwan Tel:+886-2-26747999 Tel:+886-2-29188321

Danshuei Branch Jhanghe Branch No.119, Jhongjheng Rd., Danshuei Township, Taipei County, No.246-1, Liancheng Rd., Jhonghe City, Taipei County, Taiwan Taiwan Tel:+886-2-22262829 Tel:+886-2-26211415 Baociao Branch Erchong Branch No.2, Lane 235, Baociao Rd., Sindian City, Taipei County, Taiwan No.81, Sec.1, Guangfu Rd., Sanchong City, Taipei County, Taiwan Tel:+886-2-29185506 Tel:+886-2-29993399

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Sintai Branch Bei Jhonghe Branch No.115, Sintai Rd., Sinjhuang City, Taipei County, Taiwan No.35, Sec.,3,Jhongshan Rd., Jhonghe City, Taipei County, Taiwan Tel:+886-2-29986688 Tel:+886-2-22263667

Bei Tucheng Branch Danfong Branch 2 No.200, Sec. 1, Syuefu Rd., Tucheng City, Taipei County, Taiwan No.657-10,14, Jhongjheng Rd., Sinjhuang City, Taipei County, 0 Tel:+886-2-22731688 Taiwan 0 Tel:+886-2-29088979 8 Service Network ANNUAL Nan Sijhih Branch No.94-1, Sec. 1, Sintai 5th. Rd., Sijhih City, Taipei County, Taiwan Keelung Branch Tel:+886-2-26968888 No.255, Ren-er Rd., Keelung, Taiwan

REPORT Tel:+886-2-24284181 Bei Shulin Branch No.793, Jhongjheng Rd., Shulin City, Taipei County, Taiwan Heping Branch Tel:+886-2-26762789 No.389, Jhongjheng Rd., Keelung, Taiwan Tel:+886-2-24622155 Wugu Industrial Park Branch No.119, Wugong Rd., Wugu Township, Taipei County, Taiwan Dong Keelung Branch Tel:+886-2-22989898 No.143, Hsin 1st. Rd., Keelung, Taiwan Tel:+886-2-24283111 Dapinglin Branch No.67, Mincyuan Rd., Sindian City, Taipei County, Taiwan Yilan Branch Tel:+886-2-29138611 No.30, Sec. 3, Jhongshan Rd., Yilan City, Taiwan Tel:+886-3-9323911 Sinshu Branch No.224, Sinshu Rd., Sinjhuang City, Taipei County, Taiwan Luodong Branch Tel:+886-2-22012797 No.51, Gongjheng Rd., Luodong Township, Yilan County, Taiwan Tel:+886-3-9545191 Yingge Branch No.126, Jianguo Rd, Yingge Township, Taipei County, Taiwan Su-ao Branch Tel:+886-2-86781188 No.56, Yugang Rd., Su-ao Township, Yilan County, Taiwan Tel:+886-3-9962521 Lujhou Branch No.222-6, Jixian Rd, Luzhou City, Taipei County, Taiwan Bei Luodong Branch Tel:+886-2-22839988 No.54, Jhongjheng N. Rd., Luodong Township, Yilan County, Taiwan Lide Branch Tel:+886-3-9545795 No.105, Lide St., Jhonghe City, Taipei County, Taiwan Tel:+886-2-82282121

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Jiaosi Branch Nan Taoyuan Branch No.32, Sec. 5, Jiaosi Rd., Jiaosi Township, Yilan County, Taiwan No.845, Jhongshan Rd., Taoyuan City, Taoyuan County, Taiwan Tel:+886-3-9887100 Tel:+886-3-3692188

Taoyuan Branch Pingjhen Branch 2 No.58, Jhongjheng Rd., Taoyuan City, Taiwan No.290, Sec. 2, Huannan Rd., Pingjhen City, Taoyuan County, 0 Tel:+886-3-3326121 Taiwan 0 Tel:+886-3-4689299 8 Service Network ANNUAL Cihwun Branch No.720, Jhongjheng Rd., Taoyuan City, Taiwan Linkou Branch Tel:+886-3-3578811 No.49, Wunhua 2nd. Rd., Gueishan Township, Taoyuan County,

REPORT Taiwan Dasi Branch Tel:+886-3-3183880 No.43, Sinyi Rd., Dasi Township, Taoyuan County, Taiwan Tel:+886-3-3874666 Dong Taoyuan Branch No.12, Jhonghua Rd., Taoyuan City, Taiwan Gueishan Branch Tel:+886-3-3355009 No.1068, Sec. 2, Wanshou Rd., Gueishan Township, Taoyuan County, Taiwan. Lisin Branch Tel:+886-3-3299661 No.119, Jhongshan Rd., Jhongli City, Taoyuan County, Taiwan Tel:+886-3-4222131 Jhongli Branch No.180, Jhongshan Rd., Jhongli City, Taoyuan County, Taiwan Nankan Branch Tel:+886-3-4225141 No.11, Nanshang Rd., Lujhu Township, Taoyuan County, Taiwan Tel:+886-3-3221199 Longtan Branch No.221, Jhongjheng Rd., Longtan Township, Taoyuan County, Dahan Branch Taiwan No.97, Cihhu Rd., Dasi Township, Taoyuan County, Taiwan Tel:+886-3-4893512 Tel:+886-3-3885696

Jhongyuan Branch Sinming Branch No.392, Sec. 2, Jhongbei Rd., Jhongli City, Taoyuan County, No.366, Jhongjheng Rd., Jhongli City, Taoyuan County, Taiwan Taiwan Tel:+886-3-4939393 Tel:+886-3-4688998 Yangmei Branch Hueilong Branch No.197, Sec. 2, Jhongshan N. Rd., Yangmei Township, Taoyuan No.163, Sec. 1, Wanshou Rd., Gueishan Township, Taoyuan County, Taiwan County, Taiwan Tel:+886-3-4313838 Tel:+886-2-82098266

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Long-An Branch Jhudong Branch No.140, Long-an St., Taoyuan City, Taiwan No.92, Sec. 2, Changchun Rd., Jhudong Township, Hsinchu Tel:+886-3-3789988 County, Taiwan Tel:+886-3-5963126 Bade Branch 2 No.767, Sec. 1, Jieshou Rd., Bade City, Taoyuan County, Taiwan Jhubei Branch 0 Tel:+886-3-2185888 No.261, Guangming 6th. Rd., Jhubei City, Hsinchu County, 0 Taiwan 8 Service Network ANNUAL Dacheng Branch Tel:+886-3-5546000 No.221, Dacheng Rd., Yangmei Township, Taoyuan County, Taiwan Dong Jhudong Branch

REPORT Tel:+886-3-2888890 No.9, Donglin Rd., Jhudong Township, Hsinchu County, Taiwan Tel:+886-3-5942751 Luchu Branch No.387, Dazhu Rd., Luchu Township, Taoyuan County, Taiwan Dong Jhubei Branch Tel:+886-3-3232010 No.343, Jhongjheng E. Rd., Jhubei City, Hsinchu County, Taiwan Tel:+886-3-5540108 Hsinchu Branch No.23, Jhongjheng Rd., Hsinchu, Taiwan Lioujia Branch Tel:+886-3-5244151 No.259, East Sec. 1, Guangming 6th. Rd., Jhubei City, Hsinchu County, Taiwan Bei Hsinchu Branch Tel:+886-3-6586969 No.168, Beida Rd., Hsinchu, Taiwan Tel:+886-3-5284001 Miaoli Branch No.660, Jhongjheng Rd., Miaoli City, Miaoli County, Taiwan Guangfu Branch Tel:+886-37-320921 No.57, Dongguang Rd., Hsinchu, Taiwan Tel:+886-3-5753666 Toufen Branch No.70, Ren-ai Rd., Toufen Township, Miaoli County, Taiwan Jhucian Branch Tel:+886-37-665115 No.60, Dongmen Street, Hsinchu, Taiwan Tel:+886-3-5215121 Bei Miaoli Branch No.396, Jhongjheng Rd., Miaoli City, Miaoli County, Taiwan Hsinchu Science-Based Industrial Park Branch Tel:+886-37-351111 No.1, Keji Rd., Hsinchu , Taiwan Tel:+886-3-5783962 Dong Toufen Branch No.107, Jhongjheng Rd., Toufen Township, Miaoli County, Jingguo Branch Taiwan No.71, Zihyou Rd., Hsinchu, Taiwan Tel:+886-37-671818 Tel:+886-3-5311966

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Fongyuan Branch Dong Shalu Branch No.102, Jhongjheng Rd., Fongyuan City, Taichung County, No.26, Rihsin St., Shalu Township, Taichung County, Taiwan Taiwan Tel:+886-4-26653311 Tel:+886-4-25231122 Pinglin Branch Nan Fongyuan Branch 2 No.348, Sec. 2, Jhongshan Rd., Taiping City, Taichung County, 0 No.138, Yuanhuan S. Rd., Fongyuan City, Taichung County, Taiwan 0 Taiwan Tel:+886-4-23930519 8 Service Network ANNUAL Tel:+886-4-25244180 Daya Branch Shalu Branch No.95, Sec. 2, Yahuan Rd., Daya Township, Taichung County, No.106, Shatian Rd., Shalu Township, Taichung County, Taiwan Taiwan REPORT Tel:+886-4-26622141 Tel:+886-4-25660199

Dali Branch Taichung Branch No.384, Sec. 1, Jhongsing Rd., Dali City, Taichung County, Taiwan No.2, Sec. 2, Zihyou Rd., Taichung, Taiwan Tel:+886-4-24934111 Tel:+886-4-22245121

Taiping Branch Jhongsing Branch No.84, Jhongsing Rd., Taiping City, Taichung County, Taiwan No.5, Gongyuan Rd., Taichung, Taiwan Tel:+886-4-22761515 Tel:+886-4-22241161

Wurih Branch Wucyuan Branch No.598, Sec. 1, Jhongshan Rd., Wurih Township, Taichung No.61, Sec. 2, Gongyi Rd., Taichung, Taiwan County, Taiwan Tel:+886-4-23229191 Tel:+886-4-23369911 Situn Branch Shenkuang Branch No.67, Sec. 3, Wunsin Rd., Taichung, Taiwan No.35, Shencing Rd., Shengang Village, Shengang Township, Tel:+886-4-23112411 Taichung County, Taiwan Beitun Branch Tel:+886-4-25621111 No.670, Sec. 4, Wunsin Rd., Taichung, Taiwan Fongjhong Branch Tel:+886-4-22301199 No.351, Jhongjheng Rd., Fongyuan City, Taichung County, Nan Taichung Branch Taiwan Tel:+886-4-25280369 No.789, Jhongming S. Rd., Taichung, Taiwan Tel:+886-4-22617211 Bei Dali Branch Nantun Branch No.261, Sec. 2, Sinren Rd., Dali City, Taichung County, Taiwan Tel:+886-4-24836699 No.103, Sec. 2, Wucyuan W. Rd., Taichung, Taiwan Tel:+886-4-24752171

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Si Taichung Branch Chaoma Branch No.151, Sec. 2, Hankou Rd., Taichung, Taiwan No.122-17, Sec. 2, Jhonggang Rd., Taichung, Taiwan Tel:+886-4-23170311 Tel:+886-4-27013115

Bei Taichung Branch Dong Taichung Branch 2 No.375, Wucyuan Rd., Taichung, Taiwan No.380, Sec. 3, Fusing Rd., Taichung, Taiwan 0 Tel:+886-4-22055588 Tel:+886-4-22203161 0 8 Service Network ANNUAL Jyungong Branch Meichun Branch No.315, Sec.1, Dongshan Rd., Taichung, Taiwan No.188, Sec. 2, Meichun Rd., Taichung, Taiwan Tel:+886-4-22390128 Tel:+886-4-22614377 REPORT Yong-An Branch Liming Branch No.15, Yung Fu Rd., Taichung, Taiwan No.1064, Sec. 1, Liming Rd., Taichung, Taiwan Tel:+886-4-24623181 Tel:+886-4-23892493

Jhongcyuan Branch Changping Branch No.478, Jhongjheng Rd., Taichung, Taiwan No.163, Sec. 1, Changping Rd., Taichung, Taiwan Tel:+886-4-22037979 Tel:+886-4-22443037

Taiyuan Branch Jingwu Branch No.247, Beitun Rd., Taichung, Taiwan No.170, Jingwu E. Rd., Taichung, Taiwan Tel:+886-4-22334291 Tel:+886-4-22116358

Songjhu Branch Wunsin Branch No.95, Sec.2, Changping Rd., Taichung, Taiwan No.316, Sec. 1, Wunsin Rd., Taichung, Taiwan Tel:+886-4-24228751 Tel:+886-4-23223300

Jinhua Branch Sinjhong Branch No.328, Jinhua Rd., Taichung, Taiwan No.91, Mincyuan Rd., Taichung, Taiwan Tel:+886-4-23609617 Tel:+886-4-22237711

Jhonggang Branch Jhongcing Branch No.152, Sec.3, Wunsin Rd., Taichung, Taiwan No.7, Jhongcing Rd., Taichung, Taiwan Tel:+886-4-23138811 Tel:+886-4-22913176 Weidao Branch Jiancheng Branch No.337, Daya Rd., Taichung, Taiwan No.1499, Jiancheng Rd., Taichung, Taiwan Tel:+886-4-22987988 Tel:+886-4-22873311

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Jhongming South Road Branch Changhua Branch No.451, Jhongming S. Rd., Taichung, Taiwan No.279, Minsheng Rd., Changhua City, Taiwan Tel:+886-4-23764066 Tel:+886-4-7225151

Shueinan Branch Jhangying Branch 2 No.111, Lane 68, Fusing N. Rd., Taichung, Taiwan No.532, Minzu Rd., Changhua City, Taiwan 0 Tel:+886-4-27029354 Tel:+886-4-7229221 0 8 Service Network ANNUAL Fongjia Branch Jhangchu Branch No.252, Sec.2, Situn Rd., Taichung, Taiwan No.321, Sec. 1, Jhongjheng Rd., Changhua City, Taiwan Tel:+886-4-27089075 Tel:+886-4-7240082 REPORT Nantou Branch Hemei Branch No.96, Jhongshan St., Nantou City, Nantou county, Taiwan No.361, Sec. 6, Luhe Rd., Hemei Township, Changhua County, Tel:+886-49-2234141 Taiwan Tel:+886-4-7570123 Jhushan Branch No.839, Sec. 3, Jishan Rd., Jhushan Township, Nantou county, Sihu Branch Taiwan No.56, Sihuan Rd., Sihu Township, Changhua County, Taiwan Tel:+886-49-2652721 Tel:+886-4-8829121

Puli Branch Yuanlin Branch No.299, Sec. 2, Jhongshan Rd., Puli Township, Nantou county, No.844, Sec. 1, Jhongshan Rd., Yuanlin Township, Changhua Taiwan County, Taiwan Tel:+886-49-2986411 Tel:+886-4-8322181

Caotun Branch Jhangjhong Branch No.864, Jhongjheng Rd., Caotun Township, Nantou county, No.345, Sec. 1, Jhongshan Rd., Changhua City, Taiwan Taiwan Tel:+886-4-7251161 Tel:+886-49-2338141 Dajhu Branch Jiji Branch No.239, Sec. 2, Jhangnan Rd., Changhua City, Taiwan No.176, Minsheng Rd., Jiji Township, Nantou county, Taiwan Tel:+886-4-7373311 Tel:+886-49-2761501 Shengang Branch Dong Puli Branch No.35, Sinsing Rd., Shengang Township, Changhua county, No.320, Jhongjheng Rd., Puli Township, Nantou county, Taiwan Taiwan Tel:+886-49-2989160 Tel:+886-4-7996922

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Yuansin Branch Nan Huwei Branch No.733, Sec. 1, Jhongshan Rd., Yuanlin Township, Changhua No.67, Sinyi Rd., Huwei Township, Yunlin county, Taiwan county, Taiwan Tel:+886-5-6328851 Tel:+886-4-8322741 Chiayi Branch 2 Nan Changhua Branch No.279, Guohua Street, Chiayi, Taiwan 0 No.43, Siaoyang Rd., Changhua City, Taiwan Tel:+886-5-2224571 0 Tel:+886-4-7254611 8 Service Network ANNUAL Bei Chiayi Branch Beidou Branch No.3, De-an Rd., Chiayi, Taiwan No.168, Jhongjheng Rd., Beidou Township, Changhua county, Tel:+886-5-2815500

REPORT Taiwan Tel:+886-4-8880181 Nan Chiayi Branch No.746, Minzu Rd., Chiayi, Taiwan Lugang Branch Tel:+886-5-2286311 No.120, Minzu Rd., Lugang Township, Changhua county, Taiwan Tel:+886-4-7788511 Dong Chiayi Branch No.425, Mincyuan Rd., Chiayi, Taiwan Douliou Branch Tel:+886-5-2225281 No.3, Datong Rd., Douliou City, Yunlin county, Taiwan Tel:+886-5-5323981 Puzih Branch No.62, Haitong Rd., Puzih City, Chiayi County, Taiwan Beigang Branch Tel:+886-5-3794171 No.53, Yimin Rd., Beigang Township, Yunlin county, Taiwan Tel:+886-5-7836136 Bei Puzih Branch No.3, Wunhua N. Rd., Puzih City, Chiayi County, Taiwan Huwei Branch Tel:+886-5-3790808 No.15, Jhongjheng Rd., Huwei Township, Yunlin county, Taiwan Tel:+886-5-6313821 Tainan Branch No.48, Chenggong Rd., Tainan, Taiwan Linnei Branch Tel:+886-6-2232101 No.21, Jhongsi Rd., Linjhong Village, Linnei Township, Yunlin county, Taiwan Bei Tainan Branch Tel:+886-5-5897811 No.159, Sec. 3, Simen Rd., Tainan, Taiwan Tel:+886-6-2209211 Yunlin Branch No.223, Minsheng Rd., Douliou City, Yunlin county, Taiwan Chenggong Branch Tel:+886-5-5324811 No.97, Sec. 1, Beimen Rd., Tainan, Taiwan Tel:+886-6-2269161

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Nansing Branch Bei Sinying Branch No.72, Sec. 2, Minsheng Rd., Tainan, Taiwan No.360, Ming Chih Rd., Sinying City, Tainan County, Taiwan Tel:+886-6-2221291 Tel:+886-6-6562718

Chengda Branch Rende Branch 2 No.138, Shengli Rd., Tainan, Taiwan No.4, Sec. 3, Jhongjheng Rd., Rende Township, Tainan County, 0 Tel:+886-6-3028001 Taiwan 0 Tel:+886-6-2794616 8 Service Network ANNUAL Dong Tainan Branch No.197, Sec. 2, Jhonghua E. Rd., Tainan, Taiwan Nan Yongkang Branch Tel:+886-6-2882211 No.202, Jhonghua Rd., Yongkang City, Tainan County, Taiwan

REPORT Tel:+886-6-3121916 Chihkan Branch No.204, Chenggong Rd., Tainan, Taiwan Sinshih Branch Tel:+886-6-2201302 No.321-2, Jhongjheng Rd., Sinshih Township, Tainan County, Taiwan Fucheng Branch Tel:+886-6-5999111 No.380, Sec. 2, Jiankang Rd., Tainan, Taiwan Tel:+886-6-2910896 Kaohsiung Branch No.97, Dayong Rd., Kaohsiung, Taiwan Kaiyuan Branch Tel:+886-7-5514221 No.147, Kaiyuan Rd., Tainan, Taiwan Tel:+886-6-2753345 Cianjhen Branch No.56, Caoya 1st. Rd., Cianjhen District, Kaohsiung, Taiwan Bei-An Branch Tel:+886-7-8416491 No.210, Sec.1 Bei-An Rd., Tainan, Taiwan Tel:+886-6-2526718 Nan Kaohsiung Branch No.94, Sanduo 3rd. Rd., Kaohsiung, Taiwan Sinying Branch Tel:+886-7-3348141 No.115, Jhongshan Rd., Sinying City, Tainan County, Taiwan Tel:+886-6-6324121 Sinsing Branch No.110, Cisian 2nd. Rd., Kaohsiung, Taiwan Jiali Branch Tel:+886-7-2887121 No.83, Hoping St., Jiali Township, Tainan County, Taiwan Tel:+886-6-7223131 Siande Branch No.182, Gongjheng Rd., Kaohsiung, Taiwan Yongkang Branch Tel:+886-7-7112046 No.357, Jhonghua Rd., Yongkang City, Tainan County, Taiwan Tel:+886-6-2316971 Dong Kaohsiung Branch No.2, Jhongjheng 3rd. Rd., Kaohsiung, Taiwan Tel:+886-7-2366431

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Guanghua Branch Cisian Branch No.148-82, Guanghua 1st. Rd., Kaohsiung, Taiwan No.216, Cisian 1st. Rd., Sinsing District, Kaohsiung, Taiwan Tel:+886-7-2223020 Tel:+886-7-2365503

Bei Kaohsiung Branch Dagangpu Branch 2 No.232, Jhonghua 3rd. Rd., Kaohsiung, Taiwan No.176, Minsheng 1st. Rd., Kaohsiung, Taiwan 0 Tel:+886-7-2863000 Tel:+886-7-2265666 0 8 Service Network ANNUAL Lingya Branch Shihcyuan Branch No.394, Cingnian 1st. Rd., Kaohsiung, Taiwan No.189, Bo-ai 1st. Rd., Kaohsiung, Taiwan Tel:+886-7-2918151 Tel:+886-7-3230611 REPORT Sanmin Branch Jiouru Branch No.30, Bo-ai 1st. Rd., Kaohsiung, Taiwan No.581, Jyuemin Rd., Kaohsiung, Taiwan Tel:+886-7-3127191 Tel:+886-7-3805001

Wannei Branch Siaogang Branch No.675, Jiangong Rd., Kaohsiung, Taiwan No.526, Hongping Rd., Kaohsiung, Taiwan Tel:+886-7-3861591 Tel:+886-7-8062289

Cianjin Branch Jhongjheng Branch No.45, Jhonghua 4th. Rd., Kaohsiung, Taiwan No.2, Jhongjheng 1st. Rd., Kaohsiung, Taiwan Tel:+886-7-3363966 Tel:+886-7-7498998

Tashun Branch Gushan Branch No.20, Tashun 3rd. Rd., Kaohsiung, Taiwan No.352, Zhonghua 1st. Rd., Kaohsiung, Taiwan Tel:+886-7-7131886 Tel:+886-7-5223311

Yisin Lu Branch Kaohsiung Software Park Branch No.119, Yisin 2nd. Rd., Kaohsiung, Taiwan No.11-2, Chenggong 2nd Rd., Kaohsiung, Taiwan Tel:+886-7-3332020 Tel:+886-7-5351888

Zuoying Branch Gangshan Branch No.580, Bo-ai 2nd. Rd., Kaohsiung, Taiwan No.2, Siaocian Rd., Gangshan Township, Kaohsiung County, Tel:+886-7-5562226 Taiwan Tel:+886-7-6216161 Gangdu Branch No.230, Jhongjheng 4th. Rd., Kaohsiung, Taiwan Lujhu Branch Tel:+886-7-2914131 No.68, Guochang Rd., Lujhu Township, Kaohsiung County, Taiwan Tel:+886-7-6966122

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Fongshan Branch Liouguei Branch No.95, Jhongcheng Rd., Fongshan City, Kaohsiung County, No.107, Kangfu Rd., Yibao Village, Liouguei Township, Taiwan Kaohsiung County, Taiwan. Tel:+886-7-7460181 Tel:+886-7-6892113

2 Wujia Branch Neimen Branch 0 No.164, Wujia 2nd. Rd., Fongshan City, Kaohsiung County, No.148, Nanping Rd. Guanting Village, Neimen Township, 0 Taiwan Kaohsiung County, Taiwan 8 Service Network ANNUAL Tel:+886-7-7172250 Tel:+886-7-6672322

Singfong Branch Gouping Mini-Branch

REPORT No.32, Jhongshan Rd., Fongshan City, Kaohsiung County, Taiwan No.11-1, Dingjhuang, Yongsing Village, Neimen Township, Tel:+886-7-7453101 Kaohsiung County, Taiwan Tel:+886-7-6601607 Dafa Branch No.345, Fonglin 3rd Rd., Daliao Township, Kaohsiung County, Renmei Branch Taiwan No.87-2, Syuetang Rd., Renmei Village, Niaosong Township, Tel:+886-7-7830589 Kaohsiung County, Taiwan Tel:+886-7-7321370 Fongsong Branch No.3-4, Fongsong Rd., Fongshan City, Kaohsiung County, Taiwan Dahua Mini-Branch Tel:+886-7-7471131 No.12-3, Benguan Rd., Dahua Village, Niaosong Township, Kaohsiung County, Taiwan Bei Gangshan Branch Tel:+886-7-3707332 No.12, Jhongshan N. Rd., Gangshan Township, Kaohsiung County, Taiwan Kaohsiung Science-Based Park Branch Tel:+886-7-6222871 No.92, Luke 5th. Rd., Lujhu Township, Kaohsiung County, Taiwan Meinong Branch Tel:+886-7-6955151 No.43, Sec. 1, Jhongcheng Rd., Meinong Township, Kaohsiung County, Taiwan Dashe Branch Tel:+886-7-6816101 No.177-1, Cha-Pin Rd., Dashe Township, Kaohsiung County, Taiwan Dashu Branch Tel:+886-7-3582121 No.2-8, Jhongsing E. Rd., Dashu Township, Kaohsiung County, Taiwan Linyuan Branch Tel:+886-7-6517726 No.200, Linyuan N. Rd., Linyuan Township, Kaohsiung County, Taiwan Tel:+886-7-6416171

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Pingtung Branch Shepi Branch No.42, Jhongcheng Rd., Pingtung City, Taiwan No.500, Sec. 2, Shepi Rd., Wandan Township, Pingtung County, Tel:+886-8-7343611 Taiwan Tel:+886-8-7071578 Pingnan Branch

2 No.255, Mingsheng Rd., Pingnan City, Taiwan Hualien Branch 0 Tel:+886-8-7665511 No.124, Jhongshan Rd., Hualien City, Taiwan 0 Tel:+886-3-8338111 8 Chaojhou Branch Service Network ANNUAL No.91-1, Sinsheng Rd., Chaojhou Township, Pingtung County, Bei Hualien Branch Taiwan No.371, Jhongshan Rd., Hualien City, Taiwan Tel:+886-8-7883101

REPORT Tel:+886-3-8350151

Pingjhong Branch Taitung Branch No.287, Mingsheng Rd., Pingtung City, Taiwan No.336, Sec. 1, Jhonghua Rd., Taitung City, Taiwan Tel:+886-8-7326391 Tel:+886-89-323011 Bei Chaojhou Branch Dong Taitung Branch No.112, Sinsheng Rd., Chaojhou Township, Pingtung County, Taiwan No.181, Datong Rd., Taitung City, Taiwan Tel:+886-8-7891636 Tel:+886-89-325130

Donggang Branch Penghu Branch No.186, Sec. 1, Guangfu Rd., Donggang Township, Pingtung No.26, Ren-ai Rd., Magong City, Penghu County, Taiwan County, Taiwan Tel:+886-6-9272767 Tel:+886-8-8353701 Magong Branch Wandan Branch No.21, Sinming Rd., Magong City, Penghu County, Taiwan No.661, Sec. 2, Jhongsing Rd., Wanhuei Village, Wandan Tel:+886-6-9263141 Township, Pingtung County, Taiwan Tel:+886-8-7779311

Siahan Office No.470, Anhe Rd., Sianan Village, Wandan Township, Pingtung County, Taiwan Tel:+886-8-7072407

Fangliao Branch No.3-1, Fude Rd., Tianshih Village, Fangliao Township, Pingtung County, Taiwan Tel:+886-8-8717871

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Overseas Units Subsidiaries

United Taiwan Bank Co-operative Asset Management Co., Ltd. th 7th Floor, Boulevard du Regent 45/46, 7 Floor, No.325, Sec. 4, Jhongsiao E. Rd., Taipei City, Taiwan 1000 Brussels, Belgium Tel:+886-2-87720868 Fax:+886-2-87727153 2 Tel:+322-2305359 Fax : +322-2300470 E-mail : [email protected] 0 E-mail : [email protected] 0 Cooperative Insurance Brokers Co., Ltd. 8 th Service Network ANNUAL Manila Offshore Banking Branch 5 Floor, No.85, Yanping S. Rd., Taipei City, Taiwan 26th Floor, Citibank Tower, Tel:+886-2-23898811 Fax:+886-2-23891155 8741 Paseo de Roxas, Makati, E-mail : [email protected]

REPORT Metro Manila, e Philippines Tel:+632-8481959 Fax:+632-8481952 United Taiwan Bank th E-mail : [email protected] 7 Floor, Boulevard du Regent 45/46, 1000 Brussels, Belgium Tel:+322-2305359 Fax:+322-2300470 Los Angeles Branch E-mail : [email protected] 601, South Figueroa St. Suite 3500, Los Angeles, CA 90017 U.S.A. Taiwan Cooperative Bills Finance Corporation th Tel:+1-213-4895433 Fax:+1-213-4895195 14 Floor, No.85/87, Sec. 2, Nanjing E. Rd., Taipei City, Taiwan E-mail : [email protected] Tel:+886-2-25221656 Fax:+886-2-25221552 E-mail : [email protected] Seattle Branch 1201, ird Ave., Suite 1200 Cooperative-I Asset Management Corporation th Washington Mutual Tower, Seattle 7 Floor, No.325, Sec. 4, Jhongsiao E. Rd., Taipei City, Taiwan WA 98101 U.S.A. Tel:+886-2-87720868 Fax:+886-2-87727153 Tel: +1-206-5872300 Fax: +1-206-6224491 E-mail : [email protected] E-mail : bank@tcbseattle .com

Hong Kong Branch 13th Floor, Dah Sing Financial Centre, 108 Gloucester Rd., Wanchai, H.K. Tel:+852-25981128 Fax:+852-25981028 E-mail : [email protected]

Beijing Representative Office Room 1805, Oﬃce Tower 1, Henderson Centre, 18, Jianguomen Nei Avenue, Beijing China P.C.100005 Tel:+86-10-65188173/74/75 Fax:+86-10-65188172 E-mail : [email protected]

0 7 0 WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c WorldReginfo - 0cc8d3e2-6eda-43d0-b3f9-56a8438ecc0c