Chang Hwa Commercial Bank, Ltd. is a Taiwan-based commercial bank. The Bank operates its businesses through deposit business, corporate banking, including corporate financing, corporate loans, capital financing, trade financing and warranty business, among others; personal financing, including housing loans, consumer loans and integrated loans; card services, including automatic teller machine (ATM) card services, credit card services; electronic banking business, including Internet banking telephone banking and Web ATM business; trust business, including specific purpose trust funds investing in foreign securities, specific purpose trust funds investing in domestic securities, securities in trust, real estate in trust, custodian business and securities certificate business, as well as investment business, including security investment, short-term bill underwriting and trading, securities operation and security brokerage.