银行客户往来总约定书(中英文)

GENERALCUSTOMERAGREEMENT致：西班牙对外银行 To:BANCOBILBAOVIZCAYAARGENTARIA,S.A.于相关法令允许之最大范围内，客户同意下列条款与条件之规定：Tothegreatestextentpermittedbyrelevantlawsandregulations,theCustomeragreestothefollowingtermsandconditions:（A部分一般条款） (PartA-GeneralProvisions)1.条文解读与名词定义 InterpretationandDefinitions1.1于本约定书中： InthisAgreement:「资产」包括目前与未来之财产、营收与各种权利，且应包括所有商品、汇票、本票、任何性质之可转让票据、运货提单、收货单、交货单、仓单与收据及其他所与商品、存货、股份、现金、债券、存款其它证券等相关之所有权证明文件；“Assets”includepresentandfutureproperties,revenuesandrightsofeverydescriptionandshallincludeallgoods,billsofexchange,promissorynotes,negotiableinstrumentsofanydescription,billsoflading,dockreceipts,deliveryorders,godownwarrantsandreceiptsandotherdocumentsoftitleordocumentsrelatingtogoodsaswellasstocks,shares,cash,bonds,depositsandothersecuritiesetc.;「授权」包括授权、同意、核准、决议、许可、豁免、申报、登记与公证；“Authorization”includesanauthorization,consent,approval,resolution,licence,exemption,filing,registrationandnotarisation;「银行」系指西班牙对外银行；“Bank”meansBANCOBILBAOVIZCAYAARGENTARIA,S.A.;「客户」系指附表所列之人；“Customer”meanstheperson(s)identifiedassuchintheSchedule;「文件」系指任何文件、汇票、所有权文件、运送单据、保单及透过银行于进口或出口交易所处理之任何其它文件；“Documents”meansanydocuments,drafts,billsofexchange,documentsoftitle,transportdocuments,insurancepoliciesandanyotherdocumentspassedthroughtheBank,eitherunderimportorexporttransactions;「违约情事」定义如A-1部分第10条所述；“EventofDefault”hasthemeaningprovidedinClause10ofPartA-1.「汇率」系指由银行决定，于相关时间、外汇市场，将一种币别转换为另一种币别之当时适用汇率，且银行之决定为最终决定并对客户具拘束力；“ExchangeRate”meanstherateforconvertingonecurrencyintoanothercurrencywhichtheBankdeterminestobeprevailingintherelevantforeignexchangemarketattherelevanttime,suchdeterminationtobeconclusiveandbindingontheCustomer;所称人（person）包括自然人（individual）、公司、独资经营、合伙及前述各单位之继任人及受让人；apersonincludesanindividual,acompany,soleproprietorship,partnershiporbodyunincorporateanditssuccessorsandassigns;除另有约定外，以单数表示之字词，包括复数含意，反之亦然；且以中性表示之字词，包括其它性别；unlessthecontextotherwiserequires,wordsimportingthesingularincludethepluralandviceversaandtheneutergenderincludestheothergenders;所称文件，包括该等文件之修订或增补内容；adocumentisareferencetothatdocumentasamendedorsupplemented;所称法律条文，包括该条文之修订或重新颁布内容；及aprovisionoflawisareferencetothatprovisionasamendedorre-enacted;and所称条款或附表，包括本约定书之条款或附表。aClauseorScheduleisareferencetoaclauseoforascheduletothisAgreement.1.2若本约定书系由一位以上客户所签署，则每一客户就本约定所应负担之义务与债务，应负连带责任。IfthisAgreementisexecutedbymorethanonepersonasCustomer,theobligationsandliabilitiesofeachCustomerunderthisAgreementarejointandseveral.1.3客户对银行应负担之义务与债务，包括其过去、现在与未来、实际及可能对银行应负担之义务与债务。TheobligationsandliabilitiesoftheCustomertotheBankincludeallitspast,presentandfuture,actualandcontingentobligationsandliabilitiestotheBank.1.4除依相关担保、法令规定所得享有之权利、权力与请求赔偿之权利外，本约定书另授予银行其它权利、权力与请求赔偿之权利。Eachoftherights,powersandremediesgiventotheBankunderthisAgreementisinadditiontoallotherrights,powersandremediesgiventoitorbyvirtueofanyothersecurity,statuteorruleoflaw.1.5本约定书标题仅为便利阅读，并不影响对本约定书之解读。TheheadingsinthisAgreementareforconvenienceonlyandaretobeignoredinconstruingthisAgreement.2.条文应用Application本约定书所订定之条款与条件适用于按照银行自行决定之范围及方式得提供之授信且应受双方随时于其它文件、合约或申请书所约定之约束。ThetermsandconditionscontainedhereinunderthisAgreementshallapplytoanybankingfacilitieswhichtheBank,atitssolediscretion,mayagreetomakeavailabletosuchextentandinsuchmannerastheBankthinksfitandshallbesubjecttosuchothertermsandconditionswhichmaybeagreedfromtimetotimeinotherdocuments,agreementsorapplications.3.还款RepaymentonDemand3.1客户应依银行要求，就其目前或未来到期之所有结欠款项，偿还予银行（不论系以主债务人、保证人之身份或以单独、与他人共同偿还之方式为之）。TheCustomershallondemandpaytotheBankallmonieswhicharenoworwillinthefuturebecomeduetotheBankbytheCustomer(whetherasprincipalorsurety,aloneorjointlywithanyotherperson).4.担保Security4.1银行所持有之客户资产，包括依银行要求或代客户持有之资产（不论系代客户保管、代收、供作担保或为其它特定或一般目的而持有），将作为清偿客户对银行之所有义务与债务之担保品。TheBankholdsallassetsoftheCustomerincludingthoseassetsheldtotheBank ’sorderorforaccountoftheCustomer(whetherforsafecustody,collection,securityorforanyspecificpurposeorgenerally)ascontinuingsecurityforthepaymentanddischargeofalltheCustomer ’sobligationsandliabilitiestotheBank.4.2客户授权银行（随时无须事前通知客户或任何其它人，并以银行认定适当之方式进行）出售、处分或以其它方式处理供作担保品之客户资产。TheBankisherebyauthorizedbytheCustomer(atanytime,withoutpriornoticetotheCustomeroranyotherpersonandinsuchmannerastheBankthinksfit)tosell,disposeoforotherwisedealwithanyoftheassetsoftheCustomerthesubjectofthesecurityherebycreated.4.3银行得将任何出售、处分或以其它方式处理资产所得之净收入款项，作为履行客户对银行所应负担之义务并有权决定其先后顺序。TheBankmayapplythenetproceedsofanysale,dispositionordealinginortowardsdischargeoftheCustomer’sobligationstotheBankinwhateverprioritytheBankmaydetermine.4.4就本约定书所述作为担保品之客户资产，客户应投保银行所认可之保险，以支付于所有情况下所承受之损失或损坏。TheCustomershallmaintaininsurancecoveragainstlossesordamagesinallcasesacceptabletotheBankwithrespecttotheassetsoftheCustomerthesubjectofthesecurityherebycreatedundertheAgreement.4.5客户依银行要求，应： TheCustomershall,upondemandbytheBank:提供形式与价值上属银行认可足以担保客户对银行所负义务之担保品；及providesuchfurthersecurityinformandvalueasmayberequiredintheopinionoftheBanksufficienttosecureanyoftheCustomer ’sobligationstotheBank;and签署及交付与客户资产相关之文件，其形式与内容均须符合银行要求。executeanddelivertotheBankanydocumentsinformandsubstancesatisfactorytotheBankoveranyoftheCustomer’sassetsastheBankspecifiesinanysuchdemand.5.利息及佣金 InterestandCommissions5.1银行就客户未偿还或积欠之任何款项，得收取利息。于无特别约定之情况下，利息应按银行自行决定之方式，复利计算并支付之。利率之详细资料，应由银行另外提供之。除另有约定外，利息应按日以一年 365日或366日（视情况而定）计算，并以新台币（TWD）或英镑支付；若以其它币别支付或依照市场惯例之币别支付，则以一年360日计算之。TheBankmaychargeinterestonanysum(s)outstandingorowedbytheCustomerfromtimetotime.Intheabsenceofexpressagreement,suchinterestshallbecalculatedandbecomedueandpayableonsuchbasisandshallbecompoundedinsuchmannerastheBankmaydetermineatitsabsolutediscretion.DetailsofsuchinterestratesshallbeseparatelyprovidedbytheBank.Unlessotherwisespecified,interestwillaccrueonadailybasisandiscalculatedonthebasisof365or366dayyear(asmaybeapplicable)forsum(s)inNewTaiwanDollar(TWD)orPoundSterlingand360dayyearforsum(s)inothercurrencyoraccordingtothemarketpractice.5.2除另有约定外，客户未于债务到期时清偿之任何款项，银行得依其主要放款利率年利率外加8%作为迟延利息。客户就逾期债务偿还迟延利息之义务将直至客户偿还积欠银行全部之债务为止。Unlessotherwisespecified,theBankmaychargedefaultinterestattherateof8%perannumoveritsprimelendingrateonanymoniesnotpaidbytheCustomerwhendue.TheobligationoftheCustomertopaydefaultinterestonoverdueamountsshallcontinueuntilallsumsowedbytheCustomertotheBankhavebeenpaidinfull.5.3客户应依银行要求，就银行所提供之授信或服务，支付银行佣金、管理费与其它费用。佣金、管理费与费用之计算表将提供予客户。TheCustomershallpaytotheBankondemandtheBank ’scommissions,managementfeesandotherchargesinconnectionwiththebankingfacilitiesorservicesprovidedbytheBank.Thescheduleofcommissions,managementfeesandchargesisavailabletotheCustomer.6.就尚未收到之托收款项进行提取 DrawingAgainstUncollectedFunds若银行允许客户就待收款项或待转入款项进行提取，若银行未能于预定时间收取全额款项，或于接受转帐后，依正常银行实务，无法收取款项或无法自由运用款项时，则客户应依银行要求，补足所提取之全部款项。IftheBankpermitstheCustomertodrawagainstfundstobecollectedortransferredfromanyaccount(s),theCustomershallondemandreimbursetheBankinfulltheamountsodrawniftheBankdoesnotreceivethefundsinfullatthetimewhentheBankoughttohavereceivedthesameorif,aftertheBankhasacceptedthetransfer,theBankispreventedfromcollectingorfreelydealingwiththefundsinaccordancewithusualbankingpractice.7.汇票承兑BillsofExchangeNegotiation7.1若银行同意购买或承兑以客户为交易一方之任何汇票或可转让票据，则客户同意担保于票据到期时之全部偿付，并就银行因此所产生之任何损失或合理费用予以全额补偿。IftheBankagreestopurchaseornegotiateanybillsofexchangeornegotiableinstrumentsofwhichtheCustomerisaparty,theCustomeragreestoguaranteethefullpaymentatmaturityofsuchinstrumentsandtoindemnifytheBankagainstanylossesorreasonableexpensesreasonablyincurredorsufferedbytheBankonafullindemnitybasis.7.2客户舍弃要求银行发出拒付通知及／或对任何不被兑现之票据进行注记与异议之权利，且不得影响银行对客户行使追索权之权利。TheCustomeragreestowaivetherequirementfortheBanktogivenoticeofdishonourand/ortonoteandprotestanydishonouredinstrumentswithoutaffectingtheBank’srightofrecourseagainsttheCustomer.8.资金转帐与电子银行业务 FundsTransferandElectronicBanking8.1就银行提供予客户之任何软件或测试金钥，客户保证：ForanysoftwareortestkeyprovidedbytheBanktotheCustomer,theCustomerundertakesthat:确知并未拥有软件及／或测试金钥之任何权利；itacknowledgesthatitdoesnotownanyrightsinthesoftwareand/ortestkey;系于专属及不可移转之前提下，被授权使用软件及／或测试金钥，并仅得用于与银行提供服务之相关事宜；thesoftwareand/ortestkeyarelicensedonanexclusivenon-transferablebasistotheCustomerforuseonlyinrelationtoservicesprovidedbytheBank;不予出售或以其它方式转让任何软件及／或测试金钥；或于未取得银行事前书面同意之情况下，不供任何第三人使用或复制；及itwillnotsellorotherwisetransferanyofthesoftwareand/ortestkey,orshareitsusewithanythirdpartyorcopyitwithouttheBank ’spriorwrittenconsent;and维持软件及／或测试金钥及所有相关信息之安全与机密，除为使用银行所提供之相关服务之客户员工及代理人外，不允许其它人使用，并应确保前述人等亦将保持相关信息之机密性。itwillkeepthesoftwareand/ortestkeyandallrelevantinformationsecureandconfidentialandwillnotallowanypersontoaccessitotherthantheCustomer ’sstaffandagentswhoneedtodosoinconnectionwiththeservicesprovidedbytheBankandwillensurethattheywillalsokeepsuchinformationconfidential.8.2客户同意给予银行之任何指示，应受银行随时制定与提供之使用资金转帐服务之条款与条件、作业规则、指引方针与程序所约束。TheCustomeragreesthatanyinstructionsgiventotheBankshallbesubjecttosuchtermsandconditions,administrativerules,guidelinesandproceduresgoverningfundstransferservicesastheBankmayfromtimetotimeestablishanddistribute.8.3于不损及并同时适用第 10条及第13条规定之情形下，客户应赔偿银行与其主管、员工及代理人因提供资金转帐服务所承担之任何损失、损坏、求偿或其它不利后果，但若该等损失、损害、求偿或不利后果，系因银行、其员工或代理人之重大过失或故意行为所致者，则不在此限。WithoutprejudicetoandinadditiontoClauses10and13,theCustomershallindemnifyandholdtheBank,itsofficers,employeesandagentsharmlessfromandagainstanyloss,damages,claimsorotheradverseconsequenceswhichmayariseorresultfromprovidinganyfundstransferservicesfortheCustomerbytheBank,excepttotheextentthatsuchloss,damages,claimsoradverseconsequencesarecausedbygrossnegligenceorwilfuldefaultoftheBankoranyofitsemployeesoragents.9.付款Payments9.1凡拟由客户支付予银行之款项，皆应在免于抵销、反诉、减除、扣缴或任何条件之情况下支付。若因法令规定而须扣缴或减除任何款项，则客户应支付之款项应予以增加，以使银行实际收取之款项，等于未扣缴或扣除此等款项前之金额。AllpaymentsbytheCustomertotheBankshallbemadewithoutanyset-off,counterclaim,deduction,withholdingorconditionofanykind.IftheCustomeriscompelledbylawtomakeanywithholdingordeduction,thesumpayablebytheCustomershallbeincreasedsothattheamountactuallyreceivedbytheBankistheamountitwouldhavereceivediftherehadbeennosuchwithholdingordeduction.9.2客户支付予银行之款项，应按相关债务之币别支付，或若银行以书面表示同意时，则可以不同币别支付，于该等情况下，不同之币别应按前述定义之汇率计算之。PaymentbytheCustomertotheBankshallbeinthecurrencyoftherelevantliabilityor,iftheBanksoagreesinwriting,inadifferentcurrency,inwhichcasetheconversiontothatdifferentcurrencyshallbemadeattheExchangeRate.9.3依据任何判决、法庭命令或其它原因而支付银行之款项，皆不免除客户对银行之支付义务，除非且直至依本约定书约定，应支付之款项（以应支付之币别）已完全支付为止；且若按汇率实际转换为应支付之币别后之款项，少于所表示之金钱债务者，则客户应负责补足短少之部分。NopaymenttotheBankpursuanttoanyjudgement,courtorderorotherwiseshalldischargetheobligationoftheCustomerinrespectofwhichitwasmadeunlessanduntilpaymentinfullhasbeenreceivedinthecurrencyinwhichitispayablehereunderandtotheextentthattheamountofanysuchpaymentshall,onactualconversionintosuchcurrency,attheExchangeRate,fallshortoftheamountoftheobligationexpressedinthatcurrency,theCustomershallbeliablefortheshortfall.9.4为履行客户之义务而支付银行之任何款项，得运用于偿还客户之义务或存放于暂记款账户中，以使银行保有证明客户未完全清偿之权利。AnymoniespaidtotheBankinrespectoftheCustomer ’sobligationsmaybeappliedinortowardssatisfactionofthesameorplacedtothecreditofasuspenseaccountwithaviewtopreservingtheBank’srightstoproveforthewholeoftheCustomer’soutstandingobligations.9.5为履行客户之义务而支付予银行之任何款项，若因客户无力偿债、破产或清算等其它法律原因而需由银行返还该等款项者，则银行对客户仍有请求返还之权利。IfanypaymentspaidtotheBankinrespectoftheCustomer ’sobligationsarerequiredtoberepaidbyvirtueofanylawrelatingtoinsolvency,bankruptcyorliquidationorforanyotherreason,theBankshallbeentitledtorecoversuchsumsfromtheCustomerasifsuchmonieshadnotbeenpaid.10.费用Expenses10.1就银行因准备、调整、办理、执行、保留本约定书之权利或由客户或第三人就客户对银行应负担义务所提供之任何担保品之相关事宜，而合理发生之所有合理成本、费用与开支（包括法律费用），客户应依银行要求，支付及补偿予银行，但若该等成本、费用与开支，系因银行、其员工或代理人之重大过失或故意行为所致者，则应予排除于上述支付及补偿范围之外。TheCustomershallpaytotheBankondemand,andindemnifytheBankagainstallreasonablecosts,chargesandexpenses(includinglegalfeesandexpenses)reasonablyincurredbytheBankinconnectionwiththepreparation,perfection,performanceorenforcementoforpreservationofrightshereunderoranysecurityprovidedbytheCustomeroranythirdpartyinrespectoftheCustomer’sobligationstotheBank,excepttotheextentthatsuchcosts,chargesandexpensesarecausedbygrossnegligenceorwilfuldefaultoftheBankoranyofitsemployeesoragents.10.2尽管客户未签署相关文件或客户之授信申请书未获银行所接受，上述成本、费用与开支仍应支付予银行。ThesesumsarepayabletotheBanknotwithstandingthattherelevantdocumentationmaynotbeexecutedbytheCustomerortheCustomer’sapplicationsforbankingfacilitiesmaynotbeacceptedbytheBank.11.抵销Set-off11.1银行得随时加总或合并客户于银行、其子公司或控股公司所签发之所有账户，并以客户之任何账户余额清偿其对银行之债务，不论债务是否到期、实际发生、未来发生、可能发生、未结算或未确定，亦不论付款币别、付款地点或透过银行之代理行为之据点。TheBankmay,atanytime,combineorconsolidatealltheCustomer ’saccountswiththeBank,itssubsidiaryorholdingcompanyandapplyanycreditbalancetowhichtheCustomerisentitledinortowardssatisfactionofanyobligation(whetherornotdue,actual,future,contingent,unliquidatedorunascertained)owedbytheCustomertotheBank,regardlessofthecurrency,theplaceofpaymentortheofficethroughwhichtheBankisacting.11.2为完成上述作业，银行被授权得就客户账户余额依银行当时适用之汇率进行换汇。若按适用之汇率转换为应支付币别后之款项少于以应支付币别所表示之债务时，则客户应负责补足短少部分。Forthisabovepurpose,theBankisauthorizedtopurchase,attheBank ’sprevailingrateofexchange,suchothercurrenciesasmaybenecessarytoeffectsuchapplicationwiththemoniesstandingtothecreditofsuchaccounts.TheCustomershallbeliableforanyshortfalliftheconvertedcurrencyislessthantheoutstandingliability.11.3若第11.1条所述之任何债务尚未结算或确定，则银行仍得依诚信原则就估计之金额行使抵销之权利。IfanyoftheobligationsreferredtoinClause11.1aboveisunliquidatedorunascertainedtheBankmaysetoffanamountestimatedbyitingoodfaithtobetheamountofthatobligation.11.4银行依本条规定行使任何权利时，应尽快通知客户。TheBankshallassoonaspracticablegivenoticetotheCustomerofanyexerciseofitsrightsunderthisClause.12.留置权Lien银行为保管或任何其它原因，而持有或控制之客户财产，不论是否发生于正常银行业务过程中，均得行使留置权，并得出售客户财产以偿付客户对银行之债务。TheBankshallhavealienonallpropertyoftheCustomercomingintothepossessionorcontroloftheBank,forcustodyoranyotherreasonandwhetherornotintheordinarycourseofbankingbusiness,withpowerfortheBanktosellsuchpropertytosatisfyanyobligationsowedbytheCustomertotheBank.13.赔偿Indemnity13.1客户应赔偿银行及银行之代理人任何因提供客户授信额度或其它服务所发生或导致之损失、损害、债务、合理成本与费用或其它不利后果。TheCustomershallindemnifytheBankandtheBank ’sdelegatesagainstanylosses,damages,liabilities,reasonablecostsorexpensesorotheradverseconsequenceswhichmayariseorresultfromprovidingbankingfacilitiesorservicestotheCustomer.13.2客户应依银行要求，就任何可能因本约定书而对银行提起之诉讼，立即出庭进行辩护并自行负担成本与费用。TheCustomershall,uponrequestbytheBank,forthwithappearanddefendatitsowncostandexpenseanyactionwhichmaybebroughtagainsttheBankinconnectionherewith.13.3于相关法令允许之最大范围内，银行有权委任债务催收代理人，向收取客户到期但未偿付予银行之任何款项。客户同意须补偿银行因委任债务催收代理人所合理发生之任何合理成本与费用。Tothegreatestextentpermittedbyrelevantlawsandregulations,theBankisentitledtoemploydebtcollectingagentstocollectanysumduebutunpaidbytheCustomertotheBank.TheCustomeragreesandacknowledgesthatitshallindemnifytheBankagainstallreasonablecostsandexpenseswhichtheBankmayreasonablyincurinemployingdebtcollectingagents.14.信息与保密义务 InformationandConfidentialityObligation14.1客户提供银行之任何个人数据（如相关法律、规章或规则所定义），应符合相关法律之规定。Anypersonaldata(asdefinedinapplicablelaws,regulationsorrules)whichtheCustomerprovidestotheBankshallbetreatedinaccordancewithapplicablelaws,regulationsorrules.14.2客户同意为达成依相关登记或公司章程载明之营业活动之特定目的，并于法令许可之范围内：TheCustomerherebygivesitsconsenttotheBank,inaccordancewithspecificpurposessuchasrequirementsarisingfromitsregisteredbusinessactivitiesorthebusinessactivitiesspecifiedinitsarticlesofincorporationifanyandtotheextentpermittedbytheapplicablelawsandregulations:就客户提供予银行或银行因其它原因所知悉之客户账户及与银行业务往来相关之所有信息（包括个人数据、账户余额及所提供之担保品），银行得随时进行搜集、计算机化处理、于国际间传送、利用、揭露与移转予下列各人：tocollect,computerize,transmitinternationally,utilize,discloseandtransferfromtimetotimeallinformationinconnectionwiththeCustomer ’saccountsandbusinesswiththeBank(includingpersonalinformation,creditbalancesandsecuritygiven)providedtotheBankbytheCustomerorotherwiseknowntotheBankto:联合征信中心，以依据其公司章程所载之营运活动规定进行计算机化处理及利用theJointCreditInformationCenterforcomputerizationandutilizationaccordingtothespecificpurposeofthebusinessactivitiesspecifiedinitsarticlesofincorporation银行之任何办事处、分行、关系企业、联属公司、总公司、控股公司或该等总公司或控股公司之任何子公司或联属公司；anyoftheBank ’soffices,branches,relatedcompaniesorassociatesoritsheadofficeorholdingcompanyoranysubsidiaryorassociatedcompanyofthatheadofficeorholdingcompany;就银行营业相关事宜，提供服务予银行之任何代理人、外包厂商或其它第三方服务供货商(下称「服务供货商」)；anyagent,contractororthirdpartyserviceprovider(each,a"ServiceProvider")whichprovideservicesofanykindtotheBankinconnectionwiththeoperationofitsbusiness;就客户账户银行所拥有权利之任何实际或预计之参与人、次参与人、受让人或承受债务人；或anyactualorproposedparticipantorsub-participantin,orassigneeornovateeoftheBank’srightsinrelationtotheCustomer’saccounts;or任何客户目前、未来拟进行业务往来之金融机构，以完成对客户所进行之征信工作。anyfinancialinstitutionswithwhichtheCustomerhasorproposestohavedealingstoenablecreditcheckstobeconductedontheCustomer.客户同意于法令、法庭命令或政府或法令主管机关要求或许可之情况下，银行、其关系企业或联属公司或任何服务服务供货商，得揭露客户之任何信息。TheCustomerfurtherconsentstothedisclosureofanyofitsinformationbytheBankoranyofitsrelatedorassociatedcompaniesoranyServiceProviderifrequiredorpermittedtodosobyanylaw,regulation,courtorderoranygovernmentorregulatoryauthorityinanyjurisdiction.就提供客户贷款或授信之相关事宜，揭露下列信息／文件予供担保人：toprovidethefollowinginformation/documentstoanyprovider(s)ofsecurityinrespectofanyloanorbankingfacilitiesextendedtotheCustomer:一份证明债务将受保证或担保之契约副本或其摘要；acopyofthecontractevidencingtheobligationstobeguaranteedorsecuredorasummarythereof;若客户未于接获银行通知后偿还积欠本行之款项，则银行得提供逾期催缴正式通知之副本；及acopyofanyformaldemandforoverduepaymentwhichmaybesenttotheCustomerafterithasfailedtosettleanoverdueamountfollowingacustomaryreminder;and随时依客户或供担保人之要求，提供最近期之银行对账单或授信资料之副本。fromtimetotimeonrequestoftheCustomerorproviderofsecurity,acopyofthelateststatementofaccountorinformationofbankingfacilitiesprovidedtotheCustomer.14.3客户同意银行得于客户透过银行进行外汇汇款时，依据相关法令或规则之规定，以国际传送方式将客户之个人数据传送给受款人或相关经手银行。WheretheCustomermakesaforeignremittancethroughtheBank,theCustomeragreesthattheBankmaymakeinternationaltransmissionofthepersonaldataoftheCustomertothepayeeortherelevanthandlingbankaccordingtoapplicablelaws,regulations,orrules.14.4如客户请求银行停止计算机处理及利用或删除其个人资料时，除法令另有规定外，银行应立即将该请求以书面或其它媒体报送联合征信中心，银行于收受该通知后，应依客户之请求停止计算机处理及利用或删除其个人数据，并记录日期。如果客户此等请求将对银行营运造成不便时，银行得经书面通知客户，终止其账户之使用。IncasetheCustomerrequeststheBanktostopcomputerizingandutilizingitspersonaldataortodeletethesame,theBankshall,unlessotherwiseprovidedbytherelevantlaws,transmitsuchrequesttotheJointCreditInformationCenterinwritingorthroughothermedia.Afterreceivingtheaforesaidnotice,theBankshallstopcomputerizingandutilizingthepersonaldataordeletethesameaccordingtotherequestoftheCustomerandmakearecordofthedate.IftheCustomer'ssuchrequestwillcauseinconveniencetotheBank'soperation,theBankmayclosetheCustomer'sAccountaftergivingawrittennoticetotheCustomer.14.5客户得向银行查询建档内容及（或）联合征信中心所提供有关客户之资料。客户与银行于发现前述数据有错误或发生正确性争议时，应立即将错误或争议之数据，检附相关证明文件，送交联合征信中心办理查证或更正。TheCustomermaycheckthecontentofitspersonalfileestablishedbytheBankand/orthepersonaldataoftheCustomerasprovidedbytheJointCreditInformationCenter.IftheCustomerandtheBankfindmistakesintheaforesaidpersonaldataorifthereisadisputeoverthecorrectnessthereof,theyshallimmediatelyprovidethemistakenordisputeddatatogetherwiththerelevantsupportingdocumentstotheJointCreditInformationCenterforverificationorcorrection.14.6客户或银行做出任何终止账户之行为，除客户另以书面要求外，均不影响或终止客户授权银行于终止账户后揭露其持有之客户信息效力。AnyterminationofaccountsbytheCustomerortheBankshallnotaffectorterminatetheCustomer'sauthorizationtotheBanktodisclosetheCustomerinformationinpossessionoftheBankatterminationunlesstheCustomershallotherwisespecifyinwriting.14.7客户承诺，其登记于银行之姓名、地址及其它数据若有任何变动，应立即以书面通知银行。TheCustomerundertakestoimmediatelynotifytheBankinwritingofanychangeinname,addressandotherparticularsrecordedwiththeBank.15.证明与计算 EvidenceandCalculation于无明显错误之情形下，依本约定书所作成之任何凭证，契约确认通知书或银行就利率、费率、金额或契约相关事项所作出之决定将具确定性约束力。Anycertificate,noticeofconfirmationofacontractordeterminationbytheBankofaninterestrate,feerate,amountorrelevantparticularsofthecontractunderthisAgreementis,intheabsenceofmanifesterror,conclusivelybindingonthematterstowhichitrelates.16.变动Variation于相关法令允许之最大范围内及提前至少 30日通知客户之情况下，银行得自行决定变更、修订或增补本约定书之任何条款；且此等变更、修订或增补，应于前述通知所载明之日生效。Tothegreatestextentpermittedbyrelevantlawsandregulations,theBankmay,atitssolediscretion,bygivingnotlessthan30days'priornoticetotheCustomer,vary,amendorsupplementanytermsandconditionsofthisAgreementandsuchvariation,amendmentorsupplementshalltakeeffectonthedatespecifiedonthenotice17.条文之可分割性（ Severability）若本约定书条款于任何司法管辖区域被认定为违法、无效或无法执行时，则不会影响：IfanyprovisionofthisAgreementisorbecomesillegal,invalidorunenforceableinanyjurisdiction,thatwillnotaffect:本约定书任何其它条款，于该等司法管辖区内之效力或可执行性；或thevalidityorenforceabilityinthatjurisdictionofanyotherprovisionofthisAgreement;or该等条款或本约定书任何其它条款，于其它管辖区内之效力或可执行性。thevalidityorenforceabilityinotherjurisdictionsofthatoranyotherprovisionofthisAgreement.18.其它义务FurtherObligations本约定书不应被视为银行有提供或继续提供任何授信、其它贷款或服务予客户之义务。银行所提供予客户之任何授信，皆得由银行自行决定并通知客户终止、停止或重新安排。NothinghereinshallimposeanyobligationontheBanktoprovideorcontinuetoprovideanybankingfacilitiesorotheraccommodationorservicestotheCustomer.AnyofthebankingfacilitiesgrantedbytheBanktotheCustomermaybeterminated,discontinuedorrestructuredbytheBankatitssolediscretionwithanoticetotheCustomer.19.保险与鉴价 InsuranceandEvaluation19.1客户应向银行所认可之保险公司，就供担保／质押之财产、商品、资产或其它有价值物品投保（银行有权随时决定其投保价值及风险种类）。TheCustomershallmaintaininsurancecoveragewithinsurancecompaniesacceptabletotheBankwithrespecttoproperties,goods,assetsorotheritemsofvaluecollateralized/pledged(theBankshallhavethediscretionatanytimetodeterminetheinsurablevalueandtypeorrisks).19.2客户依据上述第 19.1条规定投保之任何保险，其理赔款项应支付予下列对象：AnyamountsdueunderanyinsurancemaintainedbytheCustomerunderClause19.1aboveshallbepaidto:(a)若属损失或毁损之情况，则应支付予银行；及 incaseoflossordestruction,theBank;and若属损坏之情况，除银行另行同意外，应用于投保财产之回复原态。incaseofdamage,unlessotherwiseagreedbytheBank,beappliedinrepairingorreinstatingtheinsuredproperty.19.3客户授权银行得依任何一份或多份保险契约规定，收领相关赔款款项。TheCustomerherebyauthorizestheBanktocollectanyrelevantamountsdueunderanypolicyorpoliciesofinsurance.19.4客户应依银行要求，立即将保障银行利益之文件（包括保险合约与保费收据），提供予银行。TheCustomershall,immediatelyuponrequest,providetheBankwithevidenceofsuchinsurance(includingpoliciesandpremiumreceipts)endorsedwiththeBank’sinterest.19.5若客户未能使保险合约生效或维持其效力或未能出示保险合约予银行或若银行认为客户投保不足或不适当者，则银行得依据其认定适当之金额与方式投保。银行有权就投保所支出之任何款项，自客户账户中扣除。IftheCustomerfailstoeffectormaintainanysuchinsuranceortoproduceanypolicytotheBankorifanyinsuranceeffectedbytheCustomeris,intheBank ’sopinion,insufficientorinadequate,theBankmayeffectsuchinsuranceandinsuchsumandmannerasitthinksfit.TheBankisentitledtodebittheCustomer ’saccount(s)foranymoniesexpendedbytheBankforsuchinsurance.19.6客户就向银行所提供担保之不动产或资产，需于申请任何授信前，提供一份完整之鉴价报告；且于其后每三年提供一份简式之鉴价报告。所有鉴价费用均由客户支付。ForrealpropertiesorassetschargedtotheBankbytheCustomer,afullvaluationreportisrequiredbeforeanyapplicationofthebankingfacilitiesismadeandashortformannualvaluationreportisrequiredthereafterforeverythirdyear.AllthevaluationfeesarechargedagainsttheaccountoftheCustomer.20.责任上限LimitationonLiability20.1银行不就其作为或不作为，而对客户负担任何法律责任，但若系导因于银行之重大过失或故意行为所导致者，不在此限。TheBankshallnotbelegallyliabletotheCustomerforanyactiontakenornottakenbyitunlesscausedbytheBank’sgrossnegligenceorwilfulmisconduct.20.2尽管客户可能另为指示，银行就相关法令、规则或银行与其它金融机构业务往来所签署之合约，所采取之行动导致客户承受之任何损失或损害者，概不负责。NotwithstandingthattheCustomermayhavegiveninstructionstothecontrary,theBankshallnotbeliabletotheCustomerforanylossordamagewhichmayhavebeencausedbytheBankactinginaccordancewithapplicablelaws,regulationsorrulesorwiththetermsandconditionsoftheBank ’sagreementswithotherfinancialinstitutionsregardingthebusinessdealingswiththoseinstitutions.20.3所有交易均由客户于自行判断及自行承担风险之情况下进行。就客户依银行建议，采取行动所承受之任何损失，银行不负担任何责任，不论此等建议是否依客户要求所提供。EachtransactionwillbeundertakenbytheCustomersolelyinrelianceonitsownjudgmentandatitsownrisk.TheBankshallnotbeliableinanymannerforanylossresultingfromtheCustomeractingonadvicereceivedfromtheBankwhetherornotsuchadvicewasrequeste