Home loan Hong Kong

Home loan, Home Equity Loan, Home Improvement Loan, Home Equity Line of Credit

Home loan

Home loan, Home Equity Loan, Home Improvement Loan, Home Equity Line of Credit, Home Loan, Housing Loan, Real Estate Leasing, Real Estate Loan

Home loan, Home Equity Loan, Home Improvement Loan, Home Equity Line of Credit

A Home loan is the generally term for a loan. A home loan uses your home as security. It uses the net value of your property as security for the loan.
Home loan program could of different types you have choose the right Home Loan. Home Loan Includes Home equity Loan, Home Improvement Loan, Home equity Line of credit.

Home loan rates are variable, depending on status. Monthly repayments will depend on the amount borrowed and term. For many billions of People, the single greatest achievement in life was to own a home, and thanks to a range of banking services now available, home loans are a simple affair now. In fact, home loans are now sold as a product and the applicant is treated like a consumer. Gone are the days when ordinary folk depended on a lifetime of savings and resorted to the local moneylender to build or buy a house. Home loans make it possible to move into your own home, almost as soon as you can afford the down-payment and keep paying for it while you also live in it. But the home loan is actually a mortgage and you could lose the home in case of repeated default.

Most banks have standard guidelines for applying for a home loan and a set of rules, which may vary, from one finance institution to the other.

The term of the loan may range from one year to thirty years, with varying interest rates. The longer the term, the higher the interest charged, usually. However, having decided on a longer term, a pre-payment of the loan also leads to pre-payment penalty - which usually ranges from one to two percent.

For instance, most home loan applicants have to be between twenty-one and fifty-eight years of age, or at least the guarantor has to be. There may be age limit extensions of government employees or self-employed people who will not be forced to retire at sixty.

Applicants for home loans must prove to be credit-worthy before a loan is sanctioned by the bank or the finance institution concerned. For one, they will demand to see proof of income or some proof that the applicant - now referred to as a consumer - has the resources to repay the loan. The EMI, or the monthly installments, will be a certain percentage of your income.

Taking a home loan also has tax advantages, which makes it a doubly good investment, as compared to other conventional forms of savings.

ABN AMRO Bank N.V. Place of Incorporation: Netherlands 38/F Cheung Kong Center 2 Queen's Road,Central Hong Kong Postal Address: GPO Box 61 Hong Kong Telephone: 2700 3000 Facsimile: 2700 3300 www.abnamro.com.hk	Agricultural Bank of China Place of Incorporation: P.R.C. 23/F Tower One, Admiralty Centre 18 Harcourt Road, Hong Kong Telephone: 2861 8000 Facsimile: 2866 0133 www.abchina.com.hk

American Express Bank Limited Place of Incorporation: U.S.A. 36/F One Pacific Place 88 Queensway,Central Hong Kong Postal Address: GPO Box 3 Hong Kong Telephone: 2844 0688 Facsimile: 2845 3637 www.americanexpress.com/hk	Asia Commercial Bank Limited Place of Incorporation: Hong Kong Asia Financial Centre 120 Des Voeux Road,Central Hong Kong Postal Address: GPO Box 824 Hong Kong Telephone: 2541 9222 Facsimile: 2541 0009 www.asia-commercial.com

Australia & New Zealand Banking Group Ltd. Place of Incorporation: Australia Suite 3101-3105 One Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2843 7111 Facsimile: 2868 0089, 2525 2475 www.anz.com	Banca di Roma, Societa' Per Azioni Place of Incorporation: Italy 16/F The Hong Kong Club Building 3A Chater Road, Central Hong Kong Telephone: 2521 2221 (Gen), 2525 2252/4 (FX) Facsimile: 2868 0034, 2868 4947 www.bancaroma.it

Banca Intesa S.p.A. Place of Incorporation: Italy 33/F Edinburgh Tower, The Landmark 15 Queen's Road, Central Hong Kong Telephone: 2532 2700 Facsimile: 2845 0209 www.bancaintesa.it	Banca Monte dei Paschi di Siena, S.p.A. Place of Incorporation: Italy 15/F International Finance Centre 1 Harbour View Street,Central Hong Kong Telephone: 2295 2800 Facsimile: 2295 3131 www.mps.it

Banca Nazionale del Lavoro S.p.A. Place of Incorporation: Italy Suite 1501, 15/F Cheung Kong Centre 2 Queen's Road,Central Hong Kong Telephone: 2101 0700 (Gen), 2525 1065 (FX) Facsimile: 2810 5243 www.bnl.it	Banco Bilbao Vizcaya Argentaria, S.A. Place of Incorporation: Spain 33/F Two International Finance Centre 8 Finance Street, Central Hong Kong Telephone: 2582 3111 Facsimile: 2824 4868 www.bbva.es

Bangkok Bank Public Company Limited Place of Incorporation: Thailand Bangkok Bank Building 28 Des Voeux Road, Central Hong Kong Postal Address: GPO BOX 4175 Hong Kong Telephone: 2801 6688 Facsimile: 2810 5679	Bank Melli Iran Place of Incorporation: Iran Room 704 - 706 Wheelock House 20 Pedder Street, Central Hong Kong Postal Address: GPO BOX 720 Hong Kong Telephone: 2521 1127, 2525 3017-8 Facsimile: 2868 4692

Bank of America (Asia) Limited Place of Incorporation: Hong Kong 41/F Two International Finance Centre 8 Finance Street, Central Hong Kong Postal Address: GPO Box 133 Hong Kong Telephone: 2597 2888 Facsimile: 2597 2500 www.bankofamerica.com.hk	Bank of America, National Association Place of Incorporation: U.S.A. 42/F Two International Finance Centre 8 Finance Street, Central Hong Kong Postal Address: GPO BOX 472 Hong Kong Telephone: 2847 5333 Facsimile: 2847 5232

Bank of China (Hong Kong) Limited Place of Incorporation: Hong Kong Bank of China Tower 1 Garden Road, Central Hong Kong Telephone: 2826 6888 Facsimile:2810 5963 www.bochk.com	Bank of China Limited Place of Incorporation: P.R.C. 8/F Bank of China Tower 1 Garden Road, Central Hong Kong Telephone: 2810 1203 Facsimile: 2536 0911

Bank of Communications Place of Incorporation: P.R.C. 20 Pedder Street Central Hong Kong Postal Address: GPO Box 6085 Hong Kong Telephone: 2841 9611 Facsimile: 2810 6993 www.bankcomm.com.hk	The Bank of East Asia, Limited Place of Incorporation: Hong Kong 10 Des Voeux Road Central Hong Kong Postal Address: GPO Box 31 Hong Kong Telephone: 2842 3200 Facsimile: 2845 9333 www.hkbea.com

Bank of India Place of Incorporation: India 2/F Dina House, 11 Duddell Street Central Hong Kong Postal Address: GPO Box 3763 Hong Kong Telephone: 2524 7454 (CE) Facsimile: 2810 6149 www.bankofindia.com.hk	Bank of Montreal Place of Incorporation: Canada 3606 One Exchange Square Central Hong Kong Telephone: 2522 4182 Facsimile: 2810 4520 www.bmo.com.hk

The Bank of New York Place of Incorporation: U.S.A. 6/F New Henry House 10 Ice House Street Central Hong Kong Telephone: 2840 9888 Facsimile: 2810 5279, 2537 1060 www.bankofny.com	The Bank of Nova Scotia Place of Incorporation: Canada 25/F United Centre 95 Queensway Hong Kong Telephone: 2529 5511 Facsimile: 2527 2527 www.scotiabank.com

Bank of Scotland Place of Incorporation: U.K. 15/F Jardine House 1 Connaught Place Hong Kong Telephone: 2521 2155 (Gen), 2525 8634 (FX) Facsimile: 2845 9007	Bank of Taiwan Place of Incorporation: Taiwan China 4/F 9 Queen's Road Central Hong Kong Telephone: 2521 0567 Facsimile: 2869 4957 www.bot.com.tw

Bank of Tokyo-Mitsubishi, Ltd. Place of Incorporation: Japan 14/F Tower 1, Admiralty Centre 18 Harcourt Road, Hong Kong Postal Address: GPO Box 411 Hong Kong Telephone: 2823 6666 Facsimile: 2529 3821	Bank SinoPac Place of Incorporation: Taiwan China 23/F Two International Finance Centre 8 Finance Street, Central Hong Kong Telephone: 2801 2801 Facsimile: 2851 3163 www.banksinopac.com.tw

Barclays Bank Plc. Place of Incorporation: U.K. 42/F Citibank Tower 3 Garden Road, Hong Kong Postal Address: GPO Box 9716 Hong Kong Telephone: 2903 2000 Facsimile: 2903 2999 www.barclays.com	Bayerische Hypo- und Vereinsbank AG Place of Incorporation: Germany 13/F CITIC Tower, Hong Kong Postal Address: GPO Box 7791 Hong Kong Telephone: 2533 4000 Facsimile: 2533 4700 www.hvbasia.com www.hypovereinsbank.de

Bayerische Landesbank Place of Incorporation: Germany 19/F Standard Chartered Bank Building 4-4A Des Voeux Road, Central Hong Kong Telephone: 2978 8333 Facsimile: 2877 3817 www.blb.de	Belgian Bank Place of Incorporation: Belgium 33/F ICBC Tower 3 Garden Road, Central Hong Kong Postal Address: GPO Box 27 Hong Kong Telephone: 3510 8228 Facsimile: 2529 7966 www.belgianbank.com.hk

BNP Paribas Place of Incorporation: France 4-15/F, 17-18/F Central Tower 28 Queen's Road, Central Hong Kong Postal Address: GPO Box 763 Hong Kong Telephone: 2909 8888 Facsimile: 2865 2523 www.BNPPARIBAS.COM.HK	BNP Paribas Private Bank Place of Incorporation: France 4/F, 17-18/F Central Tower 28 Queen's Road Central Hong Kong Telephone: 2909 8888 Facsimile: 2970 1041 www.banqueprivee.bnpparibas.com

Calyon Place of Incorporation: France 42-45 Floors One Exchange Square Central Hong Kong Postal Address: GPO Box 16 Hong Kong Telephone: 2848 9000 Facsimile: 2868 1406 www.ca-indosuez.com	Canadian Imperial Bank of Commerce Place of Incorporation: Canada Suite 3602 36/F Cheung Kong Center 2 Queen's Road, Central Hong Kong Telephone: 2841 6111 Facsimile: 2845 9218 www.cibcwm.com

Cathay United Bank Company, Ltd Place of Incorporation: Taiwan China Suite 4704-6, 47/F Central Plaza 18 Harbour Road, Wanchai Hong Kong Telephone: 2877 5488 Facsimile: 2527 0966 www.cathaybk.com.tw	Chang Hwa Commercial Bank, Ltd. Place of Incorporation: Taiwan China Room 1401 Tower II The Gateway 25 Canton Road, Kowloon Telephone: 2956 1212 Facsimile: 2956 1898, 2956 3652

The Chiba Bank Ltd. Place of Incorporation: Japan 2510 One Pacific Place 88 Queensway Hong Kong Telephone: 2840 1222 Facsimile: 2840 0507 www.ir.chibabank.co.jp/english	China Construction Bank Corporation Place of Incorporation: P.R.C. 44-45/F Tower One, Lippo Centre 89 Queensway, Admiralty, Hong Kong Telephone: 2868 4438 Facsimile: 2537 7182 www.ccbhk.com

China Merchants Bank Co., Ltd. Place of Incorporation: P.R.C. 21/F Bank of America Tower 12 Harcourt Road Hong Kong Telephone: 3118 8888 Facsimile: 3111 0801 www.hk.cmbchina.com	Chinatrust Commercial Bank, Ltd. Place of Incorporation: Taiwan China Flat 2801, 28/F Two International Finance Centre 8 Finance Street, Central Hong Kong Telephone: 2916 1888 Facsimile: 2810 9742 www.chinatrust.com.tw
Chiyu Banking Corporation Ltd. Place of Incorporation: Hong Kong No. 78 Des Voeux Road Central Hong Kong Telephone: 2843 0111 Facsimile: 2810 4207 www.chiyubank.com	The Chugoku Bank Limited Place of Incorporation: Japan Rms 3701 & 3710, 37/F Edinburgh Tower 15 Queen's Road, Central Hong Kong Telephone: 2523 0312 Facsimile: 2537 7638 www.chugin.co.jp

Citibank (Hong Kong) Limited Place of Incorporation: Hong Kong 8/F Dorset House, Taikoo Place 979 King's Road, Quarry Bay Hong Kong	Citibank, N.A. Place of Incorporation: U.S.A. 39/F-40/F, 43/F-50/F Citibank Tower Citibank Plaza 3 Garden Road Hong Kong Postal Address: GPO Box 14 Hong Kong Telephone: 2868 8888 Facsimile: 2306 8111 www.citibank.com.hk

CITIC Ka Wah Bank Limited Place of Incorporation: Hong Kong 232 Des Voeux Road Central Hong Kong Telephone: 2287 6899 Facsimile: 2541 7029 www.citickawahbank.com	CoöperatieveCentrale Raiffeisen-Boerenleenbank B.A. Place of Incorporation: Netherlands 43/F Two Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2103 2000 Facsimile: 2523 9005 www.rabobank.com

Commerzbank AG Place of Incorporation: Germany 21/F The Hong Kong Club Building 3A Chater Road, Central Hong Kong Postal Address: GPO Box 11378 Hong Kong Telephone: 2842 9666 Facsimile: 2868 1414	Commonwealth Bank of Australia Place of Incorporation: Australia 1501-1505 Chater House 8 Connaught Road, Central Hong Kong Telephone: 2844 7500 Facsimile: 2845 9194 www.commbank.com.au

Coutts Bank von Ernst Ltd. Place of Incorporation: Switzerland 32/F One Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2525 6898 Facsimile: 2877 0812 www.cbve.com	Credit Suisse (Credit Svizzero / Schweizerische Kreditanstalt) Place of Incorporation: Switzerland 23/F Three Exchange Square 8 Connaught Place, Central Hong Kong Postal Address: G.P.O. Box 18 Telephone: 2841 4888 Facsimile: 2840 0012 www.cspb.com

Dah Sing Bank, Ltd. Place of Incorporation: Hong Kong 36/F Dah Sing Financial Centre 108 Gloucester Road Hong Kong Postal Address: GPO Box 333 Hong Kong Telephone: 2507 8866 Facsimile: 2598 5052 www.dahsing.com	DBS Bank (Hong Kong) Limited Place of Incorporation: Hong Kong 11/F The Center 99 Queen's Road Central, Hong Kong Postal Address: GPO Box 400 Hong Kong Telephone: 2218 8822 Facsimile: 2167 8222 www.dbs.com

DBS Bank Ltd. Place of Incorporation: Singapore 16/F Man Yee Building 68 Des Voeux Road, Central Hong Kong Telephone: 2868 3386 Facsimile: 2596 0577	Deutsche Bank AG Place of Incorporation: Germany 55/F Cheung Kong Center 2 Queen's Road Central Hong Kong Postal Address: GPO Box 3193 Hong Kong Telephone: 2203 8888 (Gen) Facsimile: 2203 7300 (Gen) www.deutsche-bank.com

DZ BANK AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main Place of Incorporation: Germany 9/F Admiralty Centre Tower II 18 Harcourt Road, Admiralty, Hong Kong Postal Address: GPO Box 8296 Telephone: 2864 3100, 2864 3388 (FX) Facsimile: 2864 3160, 2864 3168 (FX) www.dgbank.de	E. Sun Commercial Bank Place of Incorporation: Taiwan China Suite 5208, 52/F Central Plaza 18 Harbour Road, Wanchai, Hong Kong Telephone: 3405 6168 Facsimile: 2511 8788

EFG Bank Place of Incorporation: Switzerland 41/F Two Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2298 3000 Facsimile: 2298 3100 www.efgbank.com	EQUITABLE PCI BANK, INC. Place of Incorporation: Philippines 7/F Silver Fortune Plaza 1 Wellington Street, Central Hong Kong Telephone: 2901 0201 Facsimile: 2810 0050 www.equitablepcib.com

Erste Bank der oesterreichischen Sparkassen AG Place of Incorporation: Austria 11/F CITIC Tower 1 Tim Mei Avenue, Central Hong Kong Telephone: 2105 0300 Facsimile: 2810 1557 www.erstebank.at	First Commercial Bank, Ltd Place of Incorporation: Taiwan China 7/F The Hong Kong Club Building 3A Chater Road, Central Hong Kong Telephone: 2868 9008 Facsimile: 2526 2900 www.firstbank.com.tw

Fortis Bank Place of Incorporation: Belgium 26/F Fortis Bank Tower 77-79 Gloucester Road, Wanchai, Hong Kong Postal Address: GPO Box 861 Telephone: 2823 0566 Facsimile: 2865 7297 www.fortisbank.com.hk	Fubon Bank (Hong Kong) Limited Place of Incorporation: Hong Kong Fubon Bank Building 38 Des Voeux Road, Central Hong Kong Postal Address: GPO Box 9878 Hong Kong Telephone: 2842 6222 Facsimile: 2810 1483 www.fubonbank.com.hk

The Hachijuni Bank, Ltd. Place of Incorporation: Japan Suite 301-3 Three Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2845 4188 Facsimile: 2537 1757 www.82bank.co.jp	HANA BANK Place of Incorporation: Korea 64A Bank of China Tower 1 Garden Road, Central Hong Kong Postal Address: GPO Box 11354 Hong Kong Telephone: 2522 3646 Facsimile: 2526 2999 www.seoulbank.co.kr

Hang Seng Bank Ltd. Place of Incorporation: Hong Kong 83 Des Voeux Road Central Central Hong Kong Postal Address: GPO Box 2985 Hong Kong Telephone: 2198 1111 Facsimile: 2868 4047 www.hangseng.com	Hua Nan Commercial Bank, Ltd. Place of Incorporation: Taiwan China 56/F Central Plaza, Suite 5601-3 18 Harbour Road, Wanchai Hong Kong Telephone: 2824 0288 Facsimile: 2824 2573, 2824 2515 www.hncb.com.hk

Indian Overseas Bank Place of Incorporation: India 3rd Floor, Ruttonjee House 11 Duddell Street, Central Hong Kong Telephone: 2522 7157, 2525 6061 Facsimile: 2845 1549, 2521 3708 www.iob.com	The Industrial and Commercial Bank of China Place of Incorporation: P.R.C. 33/F ICBC Tower 3 Garden Road, Central Hong Kong Telephone: 2588 1188, 2801 8288 Facsimile: 2588 1160 www.icbc.com.cn

Industrial and Commercial Bank of China (Asia) Limited Place of Incorporation: Hong Kong 33/F ICBC Tower 3 Garden Road Central, Hong Kong Postal Address: GPO Box 872 Hong Kong Telephone: 2588 1188 Facsimile: 2805 1166 www.icbcasia.com	ING Bank N.V. Place of Incorporation: Netherlands 39/F One International Finance Centre 1 Harbour View Street, Central, Hong Kong Postal Address: GPO Box 2837 Hong Kong Telephone: 2848 8488 Facsimile: 2810 4412 www.ing.com

International Bank of Taipei Place of Incorporation: Taiwan China Unit 3807-3810, 38/F Cosco Tower 183 Queen's Road, Central Hong Kong Telephone: 2541 9992 Facsimile: 2543 9243	The International Commercial Bank of China Co., Ltd. Place of Incorporation: Taiwan China Suite 2201, 22/F Prudential Tower The Gateway, 21 Canton Road, Kowloon Telephone: 2525 9687, 2525 9637 Facsimile: 2525 9014, 2175 0003

The Iyo Bank, Ltd. Place of Incorporation: Japan Suite 801, The Hong Kong Club Building 3A Chater Road, Central Hong Kong Telephone: 2869 0466 Facsimile: 2525 4186 www.iyobank.co.jp	Jian Sing Bank Ltd. Place of Incorporation: Hong Kong 41/F Tower 1 Lippo Centre 89 Queensway, Hong Kong Telephone: 2541 0088 Facsimile: 2543 4093 www.jsb.com.hk

JPMorgan Chase Bank, National Association Place of Incorporation: U.S.A. 20-29/F Chater House 8 Connaught Place,Central Hong Kong Postal Address: G.P.O. Box 104 Hong Kong Telephone: 2800 1000 Facsimile: 2836 9755 www.jpmorganchase.com.hk	KBC Bank N.V. Place of Incorporation: Belgium 39/F Central Plaza 18 Harbour Road, Wanchai, Hong Kong Telephone: 2879 3388 Facsimile: 2879 3398 www.kbc.com.hk

Korea Exchange Bank Place of Incorporation: Korea 32/F Far East Finance Centre 16 Harcourt Road, Central Hong Kong Postal Address: GPO Box 2719 Hong Kong Telephone: 2520 1221, 2527 1988 Facsimile: 2861 2379, 2866 8103 www.keb.co.kr	Landesbank Baden-Wurttemberg Place of Incorporation: Germany 20/F Entertainment Building 30 Queen's Road, Central, Hong Kong Telephone: 2849 9666 Facsimile: 2523 0673 www.LBBWhk.com

Liu Chong Hing Bank Limited Place of Incorporation: Hong Kong Ground Floor New World Tower 2 16-18 Queen's Road Central, Hong Kong Postal Address: GPO Box 2535 Hong Kong Telephone: 2841 7417 Facsimile: 2559 4148 www.lchbank.com	Malayan Banking Berhad (Maybank) Place of Incorporation: Malaysia 21/F Man Yee Building 68 Des Voeux Road, Central, Hong Kong Postal Address: GPO Box 5116 Hong Kong Telephone: 3518 8888 Facsimile: 3518 8890 www.maybank2u.com.my

Mevas Bank Limited Place of Incorporation: Hong Kong 36/F Dah Sing Financial Centre 108 Gloucester Road, Hong Kong Postal Address: GPO Box 141 Hong Kong Telephone: 3101 3101 Facsimile: 2802 7826 www.mevas.com	Mitsubishi Trust and Banking Corp. Place of Incorporation: Japan 38/F Gloucester Tower 11 Pedder Street, Central Hong Kong Telephone: 2844 8000 Facsimile: 2810 4123

Mizuho Corporate Bank Ltd. Place of Incorporation: Japan 17/F Two Pacific Place 88 Queensway, Hong Kong Postal Address: GPO Box 10146 Hong Kong Telephone: 2103 3000 Facsimile: 2810 0243	Nanyang Commercial Bank, Ltd. Place of Incorporation: Hong Kong 151 Des Voeux Road Central Hong Kong Telephone: 2852 0888 Facsimile: 2815 3333 www.ncb.com.hk

Natexis Banques Populaires Place of Incorporation: France 12/F CITIC Tower 1 Tim Mei Avenue Hong Kong Telephone: 2828 0999 Facsimile: 2583 9801 www.nxbp.fr	National Australia Bank Limited Place of Incorporation: Australia Level 27 One Pacific Place 88 Queensway Hong Kong Postal Address: GPO Box 184 Hong Kong Telephone: 2826 8111 Facsimile: 2845 9251 www.nabasia.com

National Bank of Pakistan Place of Incorporation: Pakistan Unit 1801-1805 18/F ING Tower 308-320 Des Voeux Road Central, Hong Kong Postal Address: GPO Box 3920 Hong Kong Telephone: 2521 7321 Facsimile: 2845 1703 www.nbp.com.pk	Oversea-Chinese Banking Corporation Ltd. Place of Incorporation: Singapore 9th Floor, Nine Queen's Road Central Hong Kong Postal Address: GPO Box 307 Hong Kong Telephone: 2868 2086 Facsimile: 2845 3439

Philippine National Bank Place of Incorporation: Philippines 2/F Wings Building 110-116 Queen's Road Central, Hong Kong Telephone: 2543 1066, 2525 3638 Facsimile: 2541 6645, 2525 3107 www.pnb.com.ph	PT. Bank Negara Indonesia (Persero) Tbk. Place of Incorporation: Indonesia G/F Far East Finance Centre 16 Harcourt Road, Hong Kong Postal Address: GPO BOX 158 Hong Kong Telephone: 2861 8600 Facsimile: 2865 6500

Public Bank Berhad Place of Incorporation: Malaysia 1101-3, Wing On House 71 Des Voeux Road, Central Hong Kong Telephone: 2525 9351 Facsimile: 2868 9803	Royal Bank of Canada Place of Incorporation: Canada 17/F Cheung Kong Center 2 Queen's Road Central, Hong Kong Telephone: 2848 1388, 2297 3663 www.ROYCHKHH.com

The Royal Bank of Scotland plc Place of Incorporation: U.K. 46/F RBS Tower, Times Square 1 Matheson Street, Causeway Bay, Hong Kong Telephone: 2966 2800 Facsimile: 2506 0802 www.rbs.co.uk	Sanpaolo Imi S.p.A. Place of Incorporation: Italy 13/F Two Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2847 9800 Facsimile: 2845 2576 www.sanpaoloimi.com

Shanghai Commercial Bank Ltd. Place of Incorporation: Hong Kong 12 Queen's Road Central Central Hong Kong Postal Address: GPO Box 139 Hong Kong Telephone: 2841 5415 Facsimile: 2810 4623 www.shacombank.com.hk	The Shiga Bank, Ltd. Place of Incorporation: Japan 4005-7 40/F Two Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2845 6548 Facsimile: 2845 7933 www.shigagin.com

Shinkin Central Bank Place of Incorporation: Japan Suite 3010-3012, One Pacific Place 88 Queensway, Hong Kong Telephone: 2537 3777 Facsimile: 2537 4002	The Shizuoka Bank Ltd. Place of Incorporation: Japan Suite 1010 10/F Chater House 8 Connaught Road, Central Hong Kong Telephone: 2521 6547 Facsimile: 2845 9257 www.shizuokabank.co.jp

Societe Generale Place of Incorporation: France 42/F Edinburgh Tower 15 Queen's Road Central, Hong Kong Postal Address: GPO Box 10080 Hong Kong Telephone: 2166 5388 Facsimile: 2868 2368 www.sgcib.com	Standard Bank Asia Limited Place of Incorporation: Hong Kong 36/F Two Pacific Place 88 Queensway Hong Kong Telephone: 2822 7888 Facsimile: 2822 7999 www.standardbank.com

Standard Chartered Bank Place of Incorporation: U.K. 4-4A Des Voeux Road Central Central Hong Kong Postal Address: GPO Box 21 Hong Kong Telephone: 2820 3333 Facsimile:2856 9129 WWW.STANDARDCHARTERED.COM.HK	Standard Chartered Bank (Hong Kong) Limited Place of Incorporation: Hong Kong 4-4A Des Voeux Road Central, Hong Kong Postal Address: GPO Box 21 Hong Kong Telephone: 2820 3333 Facsimile: 2856 9129 www.standardchartered.com.hk

State Bank of India Place of Incorporation: India 8/F Rm. 801-805 Wheelock House 20 Pedder Street, Hong Kong Postal Address: GPO Box 10125 Central, Hong Kong Telephone: 2523 3166, 2523 2887 Facsimile: 2868 1966 www.statebankofindia.com	State Street Bank and Trust Company Place of Incorporation: U.S.A. 32/F Two Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2840 5388 Facsimile: 2840 5453 www.statestreet.com

Sumitomo Mitsui Banking Corporation Place of Incorporation: Japan 7-8/F One International Finance Centre 1 Harbour View Street, Central Hong Kong Postal Address: GPO Box 5534 Hong Kong Telephone: 2206 2000 Facsimile: 2206 2888 www.smbc.co.jp	Svenska Handelsbanken AB (publ) Place of Incorporation: Sweden 2008 Hutchison House 10 Harcourt Road, Central Hong Kong Telephone: 2868 2131 Facsimile: 2868 4339 www.handelsbanken.se

Tai Sang Bank Limited Place of Incorporation: Hong Kong 130-132 Des Voeux Road Central Hong Kong Telephone: 2544 5011 Facsimile: 2545 5242 www.taisangbank.com.hk	Tai Yau Bank Ltd. Place of Incorporation: Hong Kong 16/F Takshing House 20 Des Voeux Road Central, Hong Kong Telephone: 2522 9002 Facsimile: 2868 5334

TAIPEIBANK, Co., Ltd. Place of Incorporation: Taiwan China 34/F No. 9 Queen's Road Central Hong Kong Telephone: 2822 7700 Facsimile: 2810 4483 www.taipeibank.com.tw	Taishin International Bank Co. Ltd. Place of Incorporation: Taiwan China 15/F Tower II Admiralty Centre 18 Harcourt Road, Hong Kong Telephone: 2234 9009 Facsimile: 2234 9293

Taiwan Business Bank Place of Incorporation: Taiwan China Suite 1605-8, 16/F One Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2971 0111 Facsimile: 2511 6791 www.tbb.com.tw	Toronto-Dominion Bank Place of Incorporation: Canada Suites 3415 Two Pacific Place 88 Queensway, Hong Kong Postal Address: GPO Box 7854 Hong Kong Telephone: 2846 4111(Gen) Facsimile: 2845 9191(Gen) www.tdbank.ca

UBS AG Place of Incorporation: Switzerland 52/F Two International Finance Centre 8 Finance Street, Central, Hong Kong Postal Address: GPO Box 506 Hong Kong Telephone: 2971 8888 Facsimile: 2868 1510 www.ubs.com	UCO Bank Place of Incorporation: India 4102-06 41/F COSCO Tower 183 Queen's Road Central, Hong Kong Postal Address: GPO Box 196 Hong Kong Telephone: 2524 9240 Facsimile: 2810 6954 www.ucobank.com

UFJ Bank Limited Place of Incorporation: Japan Fairmont House 8 Cotton Tree Drive, Central Hong Kong Telephone: 2843 3888 Facsimile: 2537 1563 www.ufjbank.co.jp	UniCredito Italiano Societa per Azioni Place of Incorporation: Italy 36/F Bank of China Tower 1 Garden Road, Central, Hong Kong Telephone: 2820 7688, 2525 5331 (FX) Facsimile: 2845 9511, 2845 9709 (Mgmt.) www.unicredit.it

United Commercial Bank Place of Incorporation: U.S.A. 2903 Gloucester Road The Landmark, Central Hong Kong Telephone: 2218 9800, 2218 9088 Facsimile: 2868 1078, 2868 2105 www.unitedcb.com	United Overseas Bank Ltd. Place of Incorporation: Singapore 25/F Gloucester Tower 15 Queen's Road Central, Hong Kong Postal Address: GPO Box 668 Hong Kong Telephone: 2910 8888 Facsimile: 2810 5506 www.uob.com.sg

Wells Fargo Bank, N.A. Place of Incorporation: U.S.A. 27/F Edinburgh Tower, The Landmark 15 Queen's Road, Central Hong Kong Telephone: 2315 9500 Facsimile: 2721 0033, 2721 0044 www.wellsfargo.com	WestLB AG Place of Incorporation: Germany 36/F Bank of America Tower 12 Harcourt Road Central, Hong Kong Telephone: 2842 0288 Facsimile: 2842 0296 www.westlb.com

Westpac Banking Corporation Place of Incorporation: Australia Room 3303-05 Two Exchange Square 8 Connaught Place, Central Hong Kong Telephone: 2842 9888 Facsimile: 2840 0591 www.westpac.com.au	Wing Hang Bank Ltd. Place of Incorporation: Hong Kong 161 Queen's Road Central Central Hong Kong Postal Address: G.P.O. Box 514 Hong Kong Telephone: 2852 5111 Facsimile: 2541 0036 www.whbhk.com

Wing Lung Bank Ltd. Place of Incorporation: Hong Kong 45 Des Voeux Road Central Hong Kong Telephone: 2826 8333 Facsimile: 2810 0592 www.winglungbank.com	Woori Bank Place of Incorporation: Korea Suite 1401, Two Pacific Place 88 Queensway, Hong Kong Postal Address: GPO Box 9857 Hong Kong Telephone: 2521 8016 Facsimile: 2526 7458 www.wooribank.com

Hong Leong Bank Berhad Place of Incorporation: Malaysia 50/F 99 Queen's Road Central Hong Kong Telephone: 2283 8838 Facsimile: 2285 3138	The Hongkong and Shanghai Banking Corporation Limited Place of Incorporation: Hong Kong 1 Queen's Road Central, Hong Kong Postal Address: GPO Box 64 Hong Kong Telephone: 2822 1111 Facsimile: 2810 1112 www.hsbc.com.hk

HSBC Bank International Limited Place of Incorporation: Jersey Level 5, HSBC Main Building 1 Queen's Road, Central Hong Kong Telephone: 2822 3368, 2822 3964 Facsimile: 2899 8859 www.offshore.hsbc.com	HSBC Bank plc Place of Incorporation: U.K. Level 16, 1 Queen's Road Central Hong Kong Telephone: 2822 3059 Facsimile: 2218 9607

HSBC Bank USA, National Association Place of Incorporation: U.S.A. Room 228, 2/F North Office Block,Super Terminal 1 HK Int'l Airport, Hong Kong SAR Telephone: 2844 1207 Facsimile: 2844 1200	HSBC Private Bank (Suisse) SA Place of Incorporation: Switzerland Level 13-14, HSBC Main Building 1 Queen's Road, Central Hong Kong Telephone: 2899 8777 Facsimile: 2868 0065, 2845 9047

HSH Nordbank AG Place of Incorporation: Germany 26/F Cheung Kong Center 2 Queen's Road, Central Hong Kong Postal Address: GPO Box 4018 Hong Kong Telephone: 2843 2688 Facsimile: 2845 9018 www.hsh-nordbank.com	Hong Kong Monetary Authority http://www.info.gov.hk/hkma

Bank of America (Asia) Ltd. http://www.bankofamerica.com.hk	Bank of China Hong Kong Branch http://www.bankofchina.com

Bank of East Asia http://www.hkbea.com	Cathay Bank http://www.cathaybank.com

Chekiang First Bank Ltd. http://www.cfb.com.hk	Citibank Hong Kong http://www.citibank.com/hongkong

Dah Sing Bank http://www.dahsing.com.hk	Dao Heng Bank, Ltd. http://www.daoheng.com

Hang Seng Bank http://www.hangseng.com	Hong Kong Bank http://www.hongkongbank.com

HSBC Holdings Plc http://www.hsbcgroup.com	International Bank of Asia http://www.iba.com.hk

Jardine Fleming Bank Limited http://www.jfleming.com/jfbank	Kwong On Bank http://www.kwongonbank.com.hk

Shanghai Commercial Bank http://www.shacombank.com.hk	Standard Chartered Bank http://www.standardchartered.com.hk

Union Bank of Hong Kong Limited http://www.unionbank.com.hk	Wells Fargo HSBC Trade Bank http://wellsfargo.com/inatl/hsbctrade

Wing Hang Bank http://www.whbhk.com	Wing Lung Bank http://www.winglungbank.com.hk

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