GENERAL CUSTOMER AGREEMENT OF

　　THE STANDARD BANK OF SOUTH AFRICA LTD.

　　南非標(biāo)準(zhǔn)銀行 臺(tái)北分行 Taipei Branch 國(guó)際金融業(yè)務(wù)分行 Offshore Banking Unit

　　Standard Bank of

　　South Africa Ltd. (所勾選適用之分行以下稱「銀行」;the applicable branch hereinafter the "Bank")

　　立約人(以下稱「客戶」)同意就其在銀行開(kāi)設(shè)賬戶以及與銀行間之融資交易，悉依本總約定書(shū)之規(guī)定，所有有關(guān)賬戶或融資交易有關(guān)之申請(qǐng)書(shū)件、合約、確認(rèn)書(shū)或指示等，除在該

　　等書(shū)件另有特別約定外，均應(yīng)受本總約定書(shū)之拘束。

　　The undersigned, (the "Customer") hereby agrees with the Bank as follows with respect to its opening bank accounts with the Bank and entering into facility transactions with the Bank. All applications, agreements or contracts, confirmation or instructions in connection with the Customer's bank accounts or facility transactions with the Bank shall, unless otherwise provided therein, be subject to and governed by the terms of this Agreement.

　　客戶茲申請(qǐng)以其名稱在銀行開(kāi)立下列勾選的賬戶：

　　The Customer hereby requests the Bank to open the following account(s):

　　外匯活期綜合存款賬戶Multiple Foreign Currency Deposit A/C

　　新臺(tái)幣活期存款賬戶 New Taiwan Dollar Demand Deposit A/C

　　外匯定期存款賬戶Foreign Exchange Time Deposit A/C

　　新臺(tái)幣定期存款賬戶 New Taiwan Dollar Time Deposit A/C

　　其它 Others

　　A. 一般條款 General Terms

　　1.定義 Definitions

　　(1) 「賬戶」系指以客戶之名義于銀行開(kāi)立的賬戶。

　　"Account" shall mean any account opened with the Bank in the name of the Customer.

　　(2) 「營(yíng)業(yè)日」系指除星期六及星期日外在臺(tái)北市之銀行有對(duì)外營(yíng)業(yè)之日。

　　Business Day shall mean any day other than a Saturday or Sunday on which banks are open

　　for business in Taipei.

　　(3) 「存款」系指存放在客戶于銀行所開(kāi)立賬戶之款項(xiàng)。

　　"Deposit" shall mean any funds deposited in the Accounts of the Customer.

　　(4) 「融資」系指由銀行基于其直接與客戶所進(jìn)行之交易，或銀行與他人進(jìn)行交易，由客戶

　　提供保證或供擔(dān)保，而由銀行開(kāi)立票據(jù)或匯票、提供貸款或保證、墊款或開(kāi)發(fā)信用狀、提供透支、辦理銀行承兌或辦理外匯交易或其它資金融通。

　　"Facility" shall mean any negotiable instrument, draft, loan, guarantee, advance, letter of credit, overdraft, banker's acceptance, foreign exchange transaction or other credit facility extended or to be extended by the Bank, whether arising from the Customer's direct transaction with the Bank or from the Bank's transaction with another person guaranteed or otherwise secured by the Customer.

　　(5) 「融資文件」系指客戶為使用融資所簽署或簽發(fā)之所有協(xié)議書(shū)與書(shū)據(jù)，其中包括本票。

　　"Facility Documentation" shall mean any and all agreements and instruments, including promissory notes, signed or issued by the Customer in conjunction with its utilization of any Facility.

　　(6) 「?jìng)鶆?wù)」系指客戶對(duì)銀行現(xiàn)在或嗣后所結(jié)欠之一切債務(wù)、義務(wù)及責(zé)任，不論其為確定債

　　務(wù)抑或是或有債務(wù)、已到期或未到期債務(wù)、經(jīng)結(jié)算或未經(jīng)結(jié)算之債務(wù)，亦不論客戶系擔(dān)任主債務(wù)人、保證人、背書(shū)人或基于其它原因所生者，亦不論其系因任何融資、契約、侵權(quán)行為或法律適用而產(chǎn)生之本金債務(wù)、利息、費(fèi)用、遲延利息、違約金、工本費(fèi)用、手續(xù)費(fèi)、歸墊款或其它名目之款項(xiàng)，亦不論系直接所產(chǎn)生者或因轉(zhuǎn)讓、繼承或其它原因所取得者，亦不論系銀行為自已利益或?yàn)樗酥娲硭硕?fù)擔(dān)之債務(wù)。

　　"Liabilities" shall mean any and all current or future indebtedness, obligations and liabilities of the Customer to the Bank, absolute or contingent, due or not due, liquidated or unliquidated, whether as principal debtor, guarantor, endorser or otherwise, whether for principal, interest, fees, default interest, penalties, costs, expenses, reimbursements or otherwise, arising out of any Facility, contract or tort, or by operation of law, whether created directly or acquired by assignment, succession or otherwise, and whether held for the account of the Bank or as agent

　　for another person.

　　(7) 「擔(dān)保品」系指用以擔(dān)?，F(xiàn)在或?qū)?lái)客戶對(duì)銀行之各類(lèi)債務(wù)之不動(dòng)產(chǎn)、動(dòng)產(chǎn)、存款、票

　　據(jù)、與動(dòng)產(chǎn)有關(guān)之所有權(quán)狀與其它文件、客戶之應(yīng)收帳款、客戶對(duì)銀行之請(qǐng)求權(quán)及其孳息。

　　"Security" shall mean any and all real estate, chattels, deposits, negotiable instruments, title and other documents and claims relating to chattels, receivables of the Customer, any other claim of the Customer against the Bank and any proceeds thereof which are to secure any and all current and future Liabilities of the Customer to the Bank.

　　2. 開(kāi)戶程序 Account-Opening Procedure

　　客戶開(kāi)戶時(shí)，應(yīng)將真實(shí)姓名、住址、通訊處及身份證號(hào)碼詳細(xì)填明于印鑒卡內(nèi)，如系公司行號(hào)并應(yīng)填明負(fù)責(zé)人姓名、營(yíng)業(yè)所在地，并加蓋公司行號(hào)印章，嗣后如印鑒卡內(nèi)所記載的事項(xiàng)遇有變動(dòng)，應(yīng)隨時(shí)以書(shū)面加蓋原留登記印鑒或簽字通知銀行。

　　In opening an account at the Bank, the Customer should register a specimen signature card giving

　　details of his/her name, address, mailing address and number of personal identification. If the Customer is a firm, name of its representative, address of the place of business should also be specified in the registered specimen signature card. In case of a change in any items specified in the registered specimen signature card, the Customer should notify the Bank in writing affixing the seal or bearing the signature registered on the specimen signature card in the Bank.

　　3. 授權(quán)簽字的變更 Change of Signing/Seal Authority

　　如客戶登記印鑒卡的印章遺失或因授權(quán)簽字之人及其簽章有變更時(shí)，客戶應(yīng)依銀行相關(guān)的規(guī)定辦理變更印鑒卡上登記的印鑒，且除非銀行已收到客戶的變更登記簽字書(shū)面通知，否則該變更對(duì)銀行不生效力。

　　In case of the loss of Applicant's seal registered on the specimen signature card or a change in any

　　authorized signatory or the registered seals of the Customer, the Customer shall have the registered specimen card changed accordingly in compliance with the relevant rules of the Bank. No change in any authorized signatory or seal of the Customer shall have binding effect on the Bank until the Bank has received the relevant notice of the change of the authorized signatory or seal.

　　4. 付款 Payment

　　(1) 倘銀行就個(gè)別賬戶應(yīng)付款之日為非營(yíng)業(yè)日時(shí)，銀行應(yīng)于次一營(yíng)業(yè)日給付。

　　Payment to be made by the Bank with respect to any account on a day which is not a Business

　　Day shall be made on the next Business Day.

　　(2) 銀行于現(xiàn)在或?qū)?lái)就任何賬戶或存款之付款所發(fā)生之各項(xiàng)稅捐及費(fèi)用，均應(yīng)由客戶負(fù)

　　擔(dān)。

　　All taxes, duties, charges, or deductions in respect of any payments or to be made by the Bank

　　on behalf of the Customer shall be borne by the Customer.

　　(3) 客戶應(yīng)于債務(wù)到期(不論系因提前到期或其它原因而到期者)時(shí)向銀行清償債務(wù)。除相

　　關(guān)交易之融資文件或交易申請(qǐng)書(shū)或確認(rèn)書(shū)內(nèi)另有規(guī)定者外，客戶對(duì)銀行所為與債務(wù)有關(guān)之付款，均應(yīng)于到期日臺(tái)北時(shí)間上午十一時(shí)以可立即兌現(xiàn)之新臺(tái)幣匯入銀行指定之帳戶及(或)銀行隨時(shí)通知客戶之其它賬戶或地點(diǎn)。

　　The Customer shall make payment to the Bank with respect to the Liabilities when due whether by acceleration or otherwise. Unless otherwise provided in the Facility Documentation or application or confirmation for the relevant transactions, all payments to the Bank by the Customer with respect to the Liabilities shall be payable in New Taiwan Dollars, not later than 11:00 am (Taipei time) on the due date in immediately available funds to the designated account of the Bank or to such other account or place as the Bank may from time to time designate by notice to the Customer.

　　(4) 除相關(guān)交易之融資文件或交易申請(qǐng)書(shū)或確認(rèn)書(shū)內(nèi)另有規(guī)定者外，客戶就融資應(yīng)支付之利

　　息與費(fèi)用，應(yīng)逐月于銀行所訂之日期支付，但如果銀行已選擇先扣抵利息或費(fèi)用金額者不在此限。

　　Except as otherwise provided in the Facility Documentation or application or confirmation for the relevant transactions, interest and fees on Facilities shall be paid monthly on the date in each month specified by the Bank unless the Bank has elected to discount fees or interest in advance.

　　(5) 付款日 Payment Day

　　當(dāng)客戶應(yīng)支付銀行款項(xiàng)之付款日非營(yíng)業(yè)日時(shí)，則應(yīng)以次一營(yíng)業(yè)日為付款日，但若次一營(yíng)業(yè)日屬于次一歷月時(shí)，則應(yīng)以前一營(yíng)業(yè)日為付款日。

　　Whenever a payment shall become payable from the Customer to the Bank on a day which is not a Business Day, such payment shall become payable on the next succeeding Business Day unless as a result thereof, such payment would be made in the next calendar month, in which case such payment shall be payable on the preceding Business Day.

　　5. 利息 Interest

　　每一種存款之利率應(yīng)依銀行所簽發(fā)之合約、文件或各有關(guān)法律之規(guī)定計(jì)息。銀行得隨時(shí)調(diào)整相關(guān)幣別適用之牌告利率而毋庸事前通知或取得客戶之同意。利息的計(jì)算自銀行收受可利用的存款金時(shí)起算并按實(shí)際存款天數(shù)以存款余額每日計(jì)息。新臺(tái)幣活期存款及新臺(tái)幣定期存款之利息以每年三百六十五(365)日為計(jì)息基礎(chǔ)，外幣存款則依各相關(guān)市場(chǎng)慣例作為計(jì)息基礎(chǔ)。銀行就客戶存款之利息所得，將依法扣繳稅款。在聯(lián)名賬戶時(shí)，銀行將依客戶數(shù)據(jù)域內(nèi)所指定之利息所得納稅義務(wù)人之名義，依法扣繳稅款。

　　Any interest rate applicable to each deposit shall be as specified in the agreement or other documentation issued by the Bank or in accordance with the relevant regulations. In the event that the Bank determines an adjustment of the prevailing interest rate posted by the Bank is necessary or appropriate, the Band may adjust such rate without advance notice to, or the consent of the Customer. Interest will accrue from the date that the related funds are deposited in the relevant Account and will be calculated on such Account’s daily balance for the actual number of days elapsed. Interest on any New Taiwan Dollar demand deposit and New Taiwan Dollar time deposit will be calculated on the basis of a year of 365 days. Interest on any foreign currency deposit will be calculated in accordance with the relevant market practice. The Bank will, in the light of applicable law, withhold tax payment on the interest income arising from the deposits in the Customer's Account(s). In the event of a joint account, the Bank will withhold the tax payment on any interest income arising from the deposit of the Customer under the name of the person who is

　　indicated in the Customer Information as the taxpayer.

　　(2) 客戶使用銀行提供融資之利率依客戶與銀行所簽訂之合約、文件或相關(guān)交易之申請(qǐng)書(shū)或

　　確認(rèn)書(shū)之約定。新臺(tái)幣放款之利息以每年三百六十五(365)日為計(jì)息基礎(chǔ)，按實(shí)際日數(shù)計(jì)息。

　　Any interest rate applicable to any Facility provided by the Bank and utilized by the Customer shall be as specified in the agreement or any document, application, or confirmation signed by the Customer and the Bank with respect to the relevant Facility transactions. Interest on any New Taiwan Dollar Facility will be calculated on the amount outstanding under the Facility for the actual number of days elapsed on the basis of a year of 365 days.

　　6. 對(duì)賬單 Account Statements

　　活期存款不設(shè)存折，但銀行得應(yīng)客戶之要求，隨時(shí)印發(fā)對(duì)賬單予客戶。除另有約定或當(dāng)月份無(wú)交易者外，銀行將于每月簽發(fā)對(duì)賬單予客戶，該對(duì)賬單是相關(guān)賬戶的主要記錄，客戶如發(fā)現(xiàn)任何錯(cuò)誤，應(yīng)于收到對(duì)賬單七個(gè)歷日內(nèi)通知銀行，若未在前述七個(gè)歷日期間內(nèi)向銀行提出錯(cuò)誤通知者，則該對(duì)賬單將視為正確無(wú)誤。銀行留存之對(duì)賬單復(fù)印件視同為合法之原始憑證，具有法律證據(jù)效力。

　　There is no passbook for a demand deposit account, but a statement can be printed out and issued to the Customer any time at the Customer's request. Unless otherwise agreed or unless there are no

　　transactions for the month, the Bank will issue a monthly statement to the Customer and such statements will serve as the primary record of the account. Any errors noted by the Customer shall be reported to the Bank within 7 calendar days after receipt of the statement. Such statements shall be deemed correct if no error notice is given to the Bank within the aforesaid 7 calendar days. Copies of the said statements retained by the Bank shall be deemed to be lawful original documents having the effect of legal evidence.

　　7. 銀行付息日 The Bank's Interest Payment Date

　　除定期存款外，存款利息將于每年六月二十日及十二月二十日自動(dòng)記入客戶之賬戶，但另有約定者，從其約定。若付息日為星期例假日，則將于次一營(yíng)業(yè)日給付。

　　Except for a time deposit account, interest is, unless otherwise agreed, automatically credited to the Customer's Account on June 20 and December 20 of each year. If the payment day is a holiday, the interest will be paid on the next Business Day.

　　8. 抵銷(xiāo) Set-off

　　除適用之法令或銀行與客戶間特別約定禁止抵銷(xiāo)者外，銀行有權(quán)隨時(shí)于事前或同時(shí)通知客戶后，無(wú)須經(jīng)客戶同意就客戶于銀行之存款主張抵銷(xiāo)，以之償付客戶因各項(xiàng)交易應(yīng)付銀行之各種款項(xiàng)，如借款本金、利息、遲延利息、違約金、即期或遠(yuǎn)期外匯買(mǎi)賣(mài)契約、選擇權(quán)交易或外匯保證金交易及費(fèi)用。為能依本條款對(duì)客戶相關(guān)存款賬戶的存款有效行使抵銷(xiāo)權(quán)，客戶

　　并同意于銀行行使抵銷(xiāo)權(quán)時(shí)，其對(duì)銀行就相關(guān)賬戶之權(quán)利視為到期。

　　Unless otherwise prohibited by the applicable laws and regulations, or by specific agreement between the Customer and the Bank, the Bank shall be entitled, with prior or contemporaneous notice to the Customer, without the Customer’s consent, at any time to set off and apply any and all deposits in the Customer's Account(s) against any and all sums, such as repayment for credit principal, interest, default interest, penalties, foreign exchange contracts on spot or forward basis, option transactions, collateral foreign exchange transaction and charges, due or to become due to the Bank arising from any transaction whatsoever between the Customer and the Bank. For the purpose of a valid set-off against the Customer's deposits in the relevant Account(s) under this clause, the Customer agrees that the Customer's claim against the Bank under the relevant Account(s) with the Bank shall be deemed due and payable when the Bank exercises the right of set-off.

　　9. 通知 Correspondence

　　(1) 除另有規(guī)定外，所有銀行與客戶之通訊得采口頭、郵寄、電傳、電報(bào)或?qū)Ｈ怂瓦_(dá)之方式

　　為之。所有口頭通知于向客戶本人或其代理人口頭陳述后視為到達(dá);所有郵寄、專(zhuān)人送達(dá)、電傳電報(bào)之通訊，應(yīng)送至客戶于數(shù)據(jù)卡上所載之地址或通訊號(hào)碼，如為郵寄則于郵寄三個(gè)歷日后視為送達(dá)，如為專(zhuān)人送達(dá)則于送達(dá)時(shí)，如為電傳或電報(bào)，則于傳送完成后收受確認(rèn)覆碼或傳送完成之確認(rèn)書(shū)時(shí)，視為送達(dá)。

　　Unless otherwise provided, all communications may be transmitted to the Customer either orally or by mail, telex, telefax, cable, or personal delivery. All oral communication shall be deemed to have been received by the Customer when spoken to the Customer or the Customer's representative, as the case may be. All communications by mail, personal delivery, telex, telefax, or cable sent to the address or communication numbers provided in the Customer Information Form or otherwise provided in writing by the Customer as the case may be shall be deemed to have been received by the Customer 3 calendar days after posting, immediately on delivery where delivered personally, and immediately upon transmission with answerback or confirmations of successful transmission where sent by telex, telefax or cable.

　　(2) 客戶所為之通知，不論以口頭、電傳、電報(bào)、郵寄或其它方式傳遞，客戶皆自負(fù)風(fēng)險(xiǎn)，

　　銀行無(wú)義務(wù)探究其方式是否妥適。因通訊工具之故障或失誤所導(dǎo)致之傳訊或執(zhí)行之遲延、失誤或不正確，銀行對(duì)客戶或任何人皆無(wú)須負(fù)責(zé)。

　　All communications for or purported to be from the Customer, whether given orally or by telex, cable, mail or other telecommunication methods, are accepted and transmitted at the Customer's own risk. The Bank shall not be obliged to enquire as to the propriety or authenticity of any such communication. The Bank shall not be liable to the Customer or any other party for any delay, failure or inaccuracy in the transmission or communication of orders or in the execution of any order due to a breakdown or failure of transmission or communication facilities or any other cause beyond the Bank's reasonable control or anticipation.

　　(3) 如客戶授權(quán)銀行依據(jù)客戶以電話、傳真、電報(bào)或其它電子通訊方式所為之指示行事時(shí)，

　　客戶應(yīng)另行簽署附件之「指示聯(lián)絡(luò)方式授權(quán)同意書(shū)」，以確保銀行不會(huì)因?yàn)橐罁?jù)客戶以此等聯(lián)絡(luò)方式所為指示行事而遭受任何損害。

　　In the event that the Customer authorizes the Bank to act upon the Customer's instructions given by way of telephone, facsimile, telex or any other form of electronic communication at any time, the Customer shall execute the Appendix "Communication Indemnity Agreement" so as to hold the Bank harmless for the Bank's action taken in accordance with the Customer's instructions given in such a method.

　　10. 存款之轉(zhuǎn)讓及設(shè)質(zhì) Transfer and Pledge of Deposits

　　非經(jīng)銀行事前以書(shū)面同意，客戶就存款所為之設(shè)質(zhì)、移轉(zhuǎn)讓與，以及與他人所為之任何約定，

　　對(duì)銀行均無(wú)拘束力。

　　No pledge, assignment, transfer, or negotiation of any deposit shall be binding on the Bank until the Bank has given its written consent thereto.

　　11. 錯(cuò)誤入款 Miscredit of Account(s)

　　不論已寄發(fā)之對(duì)賬單如何記載，若銀行因錯(cuò)誤而致款項(xiàng)誤入客戶賬戶者，一經(jīng)發(fā)覺(jué)，銀行得立即撤銷(xiāo)客戶賬戶內(nèi)錯(cuò)誤記載的款項(xiàng)，倘若客戶賬戶中之款項(xiàng)不足銀行撤銷(xiāo)，客戶應(yīng)立即補(bǔ)償銀行其差額，不得因任何理由遲延。

　　Notwithstanding the specification of any issued statement, the Bank, upon discovering an error in

　　crediting the Customer's Account(s), may reverse the erroneous transaction amount immediately. If the amount in the Account is insufficient to cover the reversal, the Customer shall, upon demand, reimburse the Bank for any deficiency, and the Customer shall not delay payment under any pretext.

　　12. 匯款取消 Cancellation of Remittance

　　由通匯銀行匯來(lái)之款項(xiàng)雖經(jīng)存入客戶之戶頭，嗣后如該通匯銀行通知取消或因任何原因銀行未能自通匯銀行獲款時(shí)，銀行當(dāng)即取消該項(xiàng)存款。倘若客戶賬戶中之款項(xiàng)不足銀行取消，客戶應(yīng)立即補(bǔ)償銀行其差額，不得因任何理由遲延。

　　The Bank, even after crediting to the Customer's Account(s) any remittance from a correspondent bank, may reverse the credit in the Customer's Account when the Bank receives instructions from the correspondent bank to cancel such remittance or the Bank cannot obtain the money remitted from the correspondent bank for any reason. If the amount in the Account is insufficient to cover such cancellation, the Customer shall immediately reimburse the Bank for any deficiency thereof, and shall not delay payment for any reason.

　　13. 授權(quán)扣款 Payment of Charges

　　客戶茲授權(quán)銀行可徑從客戶之活期存款賬戶中扣除銀行因提供服務(wù)所生之任何手續(xù)費(fèi)用、傭

　　金、利息、遲延利息、違約金、外匯交易、遠(yuǎn)期外匯契約、選擇權(quán)交易、外匯保證金交易或借款本金或其它之費(fèi)用。

　　The Customer hereby authorizes the Bank to directly debit the Customer's Demand Deposit Account whenever necessary for repayment of all service charges, commissions, interests, default interest, penalties, payments of foreign exchange, forward contracts, option transactions, collateral foreign exchange transactions, borrowings or other fees or charges due to the Bank from time to time by the Customer as a result of the Bank's providing banking facilities or services to the Customer.

　　14. 靜止戶 Dormant Account

　　(1)客戶茲同意如客戶之賬戶除銀行存入利息外，已有一年的時(shí)間，沒(méi)有任何銀行往來(lái)記錄，銀行得將之列為靜止戶，并通知客戶，靜止戶的存款余額不計(jì)利息且不收取賬戶管理費(fèi)或其它手續(xù)費(fèi)。銀行應(yīng)公告靜止戶之條件，并得隨時(shí)修改該等條件，惟銀行應(yīng)將修改內(nèi)容印于或附隨于對(duì)賬單或其它書(shū)面于生效日六十天前郵寄至客戶以書(shū)面向銀行提供之最近期地址，或以顯著方式于銀行營(yíng)業(yè)處所揭示以代通知。倘客戶不同意銀行之修改，得隨時(shí)終止與銀行

　　之往來(lái)及本約定書(shū)。

　　The Customer hereby agrees that, except for the interests deposited by the Bank, if there is no transaction recorded in for the Customer's Accounts for one year, the Bank may list these Accounts as dormant accounts (Dormant Account(s)) and send a notice regarding the same to the Customer. The credit balance of the Dormant Account shall not accrue any interest, and no account management fee, or other handling charge will be charged to the Dormant Account. The Bank shall make the terms and conditions governing a Dormant Account available, and is entitled to amend such terms and conditions at any time, provided that the Bank shall print or enclose such amendment on the account statements or otherwise notify the Customer in writing at least sixty days prior to the effective date of such amendment to the latest address provided by the Customer; alternatively, the Bank may satisfy this notice requirement by posting such amendment at a prominent location at the Bank’s business office. If the Customer objects to such amendment, the Customer shall be entitled to terminate the account with the Bank and this Agreement at any time.

　　(2) 若靜止戶欲恢復(fù)往來(lái)，客戶應(yīng)提供相關(guān)身份證明文件供銀行查驗(yàn)無(wú)誤后，方得恢復(fù)生效。

　　If a Dormant Account holder wishes to reactivate the Dormant Account with the Bank, relevant ID documentation shall be provided to the Bank for verification before re-activation of the account.

　　15.銀行費(fèi)用 Bank Charges

　　客戶茲同意支付銀行下列費(fèi)用： The Customer hereby agrees to pay the following expenses:

　　(1) 任何賬戶于開(kāi)戶后三個(gè)月內(nèi)關(guān)戶者，客戶應(yīng)支付銀行手續(xù)費(fèi)。

　　The Customer shall pay a handling charge to the Bank for any Account that is closed within three months from the date of opening.

　　(2) 新臺(tái)幣存款戶 New Taiwan Dollar Deposit Account(s)

　　客戶之每月賬戶總余額未達(dá)銀行規(guī)定之最低存款金額時(shí)，客戶應(yīng)給付銀行帳戶管理費(fèi)。銀行得隨時(shí)修改有關(guān)最低存款余額或賬戶管理費(fèi)之規(guī)定，惟銀行應(yīng)將修改內(nèi)容印于對(duì)賬單或其它書(shū)面于生效日六十天前郵寄至客戶以書(shū)面向銀行提供之最近期地址，或以顯著方式于銀行營(yíng)業(yè)處所揭示以代通知。倘客戶不同意銀行之修改，得隨時(shí)終止與銀行之往來(lái)及本約定書(shū)。

　　The Customer shall pay the Bank a monthly management fee if the monthly amount of the total credit balance of the Customer's Account(s) is less than the minimum amount required by the Bank. The Bank is entitled to amend such minimum balance requirements or management fee at any time, provided that the Bank shall print such amendment on the account statements or otherwise notify the Customer in writing at least sixty days prior to the effective date of such amendment to the latest address provided by the Customer; alternatively, the Bank may satisfy this notice requirement by posting such amendment in a prominent way at the Bank’s business office. If the Customer objects to such amendment, the Customer shall be entitled to terminate the Account with the Bank and this Agreement at any time.

　　(3) 外匯存款賬戶 Foreign Exchange Deposit Account(s)

　　(i) 外匯活期綜合存款 Multiple Foreign Currency Deposit Account(s)

　　由外匯活期綜合存款戶提取或存入原幣現(xiàn)金者，應(yīng)支付銀行手續(xù)費(fèi)。

　　For cash withdrawal from or deposit into a multiple foreign currency deposit account in the original currency, the Customer shall pay the Bank a handling charge.

　　(ii) 外匯定期存款 Foreign Exchange Time Deposit Account(s)

　　銀行如同意客戶提前終止外匯定期存款時(shí)，客戶應(yīng)支付銀行手續(xù)費(fèi)。

　　If the Bank, at the Customer's request, agrees to the repayment of the deposit before the agreed maturity date of the foreign exchange time deposit, the Customer shall pay the Bank a handling charge.

　　16.服務(wù)費(fèi)用之調(diào)整 Adjustment of the Bank's Service Charges

　　客戶同意遵守銀行所訂立有關(guān)服務(wù)費(fèi)用之規(guī)定。但服務(wù)費(fèi)用如有調(diào)整，銀行將于于生效日六十天前以書(shū)面通知郵寄至客戶以書(shū)面向銀行提供之最近期地址或以顯著方式于銀行營(yíng)業(yè)處所揭示以代通知。此費(fèi)用于客戶或銀行終止相關(guān)賬戶或各項(xiàng)服務(wù)時(shí)將不予退還。倘客戶不同意銀行之修改，得隨時(shí)終止與銀行之賬戶往來(lái)及本約定書(shū)。

　　The Customer agrees to abide by the service charges prescribed by the Bank. In the event of an adjustment to such service charges, the Bank will notify the Customer in writing at least sixty days prior to the effective date of such adjustment to the latest address provided by the Customer; alternatively, the Bank may satisfy this notice requirement by posting such adjustment at a prominent location at the Bank’s business office. The charges provided herein are not refundable upon termination of the relevant accounts or of any services, whether by the Customer or by the Bank. If the Customer objects to such adjustments, the Customer shall be entitled to terminate the Account with the Bank and this Agreement at any time.

　　17. 不可抗力 Force Majeure

　　(1) 客戶賬戶之各項(xiàng)存款限由銀行償付并適用中華民國(guó)法令之規(guī)定。倘銀行因匯兌的限制，

　　征收，戰(zhàn)爭(zhēng)、內(nèi)亂、或其它不可歸責(zé)于銀行的事由致未能履約時(shí)，得予免責(zé)，且南非標(biāo)準(zhǔn)銀行的其它各地分行、子公司或關(guān)系企業(yè)亦無(wú)須負(fù)任何責(zé)任。

　　The deposits in the Customer's Accounts shall be repaid by the Bank, and the laws and decrees of the Republic of China shall apply. For any failure of performance by the Bank as a result of a restriction on foreign exchange conversion, confiscation, war, riots, or other reasons not attributable to the Bank, the Bank may be released from its liability hereunder. Neither the branches of Standard Bank of South Africa Ltd. in other areas nor the subsidiaries or affiliates of Standard Bank of South Africa Ltd. shall be responsible for such failure of performance.

　　(2) 不論本合約是否另有約定，對(duì)于因超出銀行合理控制之因素，包括但不限于不可抗力事

　　件、傳訊、通訊或計(jì)算機(jī)設(shè)備中斷或不能運(yùn)作、郵政或其它罷工或類(lèi)似之產(chǎn)業(yè)事件、交易

　　所或交易市場(chǎng)、票據(jù)交換所停止作業(yè)等，導(dǎo)致銀行未能履行其義務(wù)者，銀行及職員、代理人或代表人不負(fù)責(zé)任。

　　Notwithstanding any provision to the contrary in this Agreement, the Bank and its employees, agents, and representatives shall be exempt from liability due to or arising out of any failure to perform all or any of the Bank's obligations arising from or by reason of any cause beyond the Bank's reasonable control, including, without limitation, any act of force majeure, any breakdown or failure of transmission, communication or computer facilities, postal or other strikes or similar industrial action, the failure of any exchange, market or clearing house, etc.

　　18. 修正 Amendment

　　銀行有權(quán)隨時(shí)修正前述有關(guān)存款賬戶之規(guī)定，以及銀行服務(wù)之作業(yè)程序及限制。銀行修正存款賬戶規(guī)定后，將依前述存款賬戶相關(guān)規(guī)定所載通知方式以書(shū)面通知客戶，并載明修正內(nèi)容的生效日期，客戶若于修正條款生效日后繼續(xù)相關(guān)的賬戶交易及/或使用任何服務(wù)，應(yīng)視為已收到修正通知并同意修正后之條款。但如為因應(yīng)法律之修訂者，則不適用前述約定。

　　The Bank may amend the terms of the said rules regarding deposit accounts and the operation procedure and constraints applicable in respect of any services at any time. After the Bank amends the terms of the said rules regarding deposit accounts, the Bank will, in accordance with the said notice provision as provided, notify the Customer in writing and specify the effective date of the amendment. The Customer shall be deemed to have received notice of the amendment and to have decided to continue using the relevant account(s) and/or services on the amended basis if the Customer continues to use the relevant account(s) and/or services after the effective date of the amendment. Notwithstanding the foregoing, such notice provision does not apply to any amendment due to changes in applicable laws or regulations.

　　19. 準(zhǔn)據(jù)法及管轄法院 Governing Law and Jurisdiction

　　就賬戶的運(yùn)作以及當(dāng)事人的權(quán)利義務(wù)，應(yīng)適用中華民國(guó)法律及主管機(jī)關(guān)所隨時(shí)頒布之規(guī)則、解釋或命令?？蛻羝澆豢沙蜂N(xiāo)地同意因本約定書(shū)規(guī)范之事項(xiàng)與銀行爭(zhēng)訟時(shí)，應(yīng)以臺(tái)北地方法院為非專(zhuān)屬管轄法院。

　　Operation of the account(s) and the parties' rights and obligations hereunder shall be governed by the laws of the Republic of China and the rules or orders published from time to time by the competent authorities. The Customer hereby irrevocably submits to the non-exclusive jurisdiction of the Taipei District Court with respect to any dispute with the Bank in connection with the matters governed by this Agreement.

　　20.終止 Termination

　　(1) 客戶得隨時(shí)終止賬戶。除在法令或銀行及客戶約定許可范圍內(nèi)行使抵銷(xiāo)權(quán)外，銀行應(yīng)將

　　終止賬戶之存款余額返還客戶，客戶茲同意如客戶賬戶之存款余額為零并且連續(xù)三個(gè)月沒(méi)有交易記錄者，銀行得依其裁量經(jīng)書(shū)面通知客戶終止客戶的賬戶。

　　The Customer may close any Account(s) at any time. Unless the Bank is exercising its right of set-off to the extent permitted under the applicable laws, regulations or agreement between the Bank and the Customer, the Bank shall return the credit balance in the closed Account to the Customer. The Customer agrees that the Bank has the right to close the Customer's Accounts at its discretion by giving a written notice to the Customer if the Customer's Account has no credit balance and transaction records for three consecutive months.

　　(2) 客戶不得將賬戶、金融卡等借予他人使用，亦不得作為洗錢(qián)、詐欺等不法或不當(dāng)之用途，

　　或以詐術(shù)損害銀行之信用，若法律有禁止并經(jīng)銀行查證屬實(shí)，或經(jīng)銀行分析客戶之賬戶有疑似不法或不當(dāng)使用之情事或銀行接獲第三人檢附治安機(jī)關(guān)報(bào)、備案證明，書(shū)面申訴時(shí)，銀行得立即終止本約定書(shū)及其它相關(guān)服務(wù)，并得徑行結(jié)清存款，存款余額則俟依法得領(lǐng)取者申請(qǐng)給付時(shí)，銀行始為支付。

　　The Customer shall not lend any Account or debit card to be used by another person, or for money-laundry, fraud, illegal or inappropriate purposes, or any other fraudulent acts to damage the credit of the Bank. If any such behavior, prohibited by law and proved to be true by the Bank, or any Account is suspected by the Bank to be connected to illegal or inappropriate usage, or the Bank receives a third party’s written claim by presenting a report from the police or other law enforcement agencies, an indictment or other written complaint, the Bank shall immediately terminate this Agreement and other related services to the Customer and liquidate the Account. The Bank shall not return the balance of the Account except to such person and according to such rules and procedures as provided by law.

　　21.資料 Information

　　(1) 客戶同意銀行得基于營(yíng)業(yè)登記項(xiàng)目或章程所定業(yè)務(wù)之需要等特定目的，就客戶下述數(shù)據(jù)

　　為搜集、計(jì)算機(jī)處理、國(guó)際傳遞及利用，并得提供予財(cái)團(tuán)法人金融聯(lián)合征信中心 (以下簡(jiǎn)稱「聯(lián)合征信中心」)，由聯(lián)合征信中心依章程所定業(yè)務(wù)之特定目的為計(jì)算機(jī)處理及利用。此外，銀行為營(yíng)運(yùn)管理或拓展業(yè)務(wù)之需要，在中華民國(guó)相關(guān)法令允許下，亦得將下述資料提供予總行或其它各地分行或銀行之控股公司、子公司、關(guān)系企業(yè)、銀行所附屬之任何控股公司的子公司、關(guān)系企業(yè)或銀行依「金融機(jī)構(gòu)作業(yè)委托他人處理內(nèi)部作業(yè)制度及程序辦法」所委托之第三人。

　　The Customer agrees that the Bank may, in accordance with specific purposes such as requirements arising from its registered business activities or the business activities specified in its articles of incorporation, collect, computerize, transmit internationally and utilize the following information of the Customer, and provide it to the Joint Credit Information Center for computerization and utilization according to the specific purpose of the business activities management requirements or other business development requirements and to the extent permitted by the relevant ROC laws and decrees, provide the following information to the Bank' head office, other branches,holding company, subsidiary or affiliate of the Bank, ,(s) any subsidiary or affiliate of the h( a) olding company of the Bank, or any third party who is engaged by the Bank in accordance with Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation:

　　(i) 客戶之個(gè)人基本資料; basic personal data of the Customer;

　　(ii) 征信調(diào)查報(bào)告及授信契約相關(guān)之個(gè)人資料(含借款或其它銀行融資之金額、期間、約定還款方式、逾期、催收及呆帳紀(jì)錄);

　　investigation reports and personal data related to the credit agreements of the Customer (including amount of loan or other banking facilities; term; agreed method of repayment, overdue payment, collection and bad debts record);

　　(iii) 授信契約之動(dòng)產(chǎn)或不動(dòng)產(chǎn)及其它擔(dān)?；虮ＷC數(shù)據(jù);以及

　　information about chattel mortgages or real estate mortgages and other security or guarantee related to credit agreements; and

　　(iv) 客戶之財(cái)務(wù)數(shù)據(jù)、存款數(shù)據(jù)暨其它與授信契約相關(guān)的個(gè)人資料。

　　The Customer's financial information, deposit information and other personal data related to credit agreements.

　　(2) 客戶如向銀行申請(qǐng)匯兌，客戶同意銀行得依第 (1)項(xiàng)及計(jì)算機(jī)處理個(gè)人數(shù)據(jù)保護(hù)法規(guī)定，將客戶之個(gè)人基本資料國(guó)際傳遞予收款人及相關(guān)經(jīng)手銀行。

　　Where the Customer makes a foreign remittance through the Bank, the customer agrees that the Bank may make international transmission of the personal data of the Customer to the payee or the relevant handling bank according to paragraph (1) and the Computer-processed Personal Data Protection Law.

　　(3)如客戶請(qǐng)求銀行停止計(jì)算機(jī)處理及利用或刪除其個(gè)人資料時(shí)，除法令另有規(guī)定外，銀行應(yīng)立即將該請(qǐng)求以書(shū)面或其它媒體報(bào)送聯(lián)合征信中心，銀行及聯(lián)合征信中心于收受該通知

　　后，應(yīng)依客戶之請(qǐng)求停止計(jì)算機(jī)處理及利用或刪除系爭(zhēng)資料并注記日期。如果客戶此等請(qǐng)

　　求將對(duì)銀行營(yíng)運(yùn)造成不便時(shí)，銀行得經(jīng)書(shū)面通知客戶，終止客戶之賬戶。

　　In case the Customer requests the Bank to stop computerizing and utilizing its personal data or to delete the same, the Bank shall, unless otherwise provided by the relevant laws and decrees, transmit such request to the Joint Credit Information Center in writing or through other media. After receiving the aforesaid notice, the Bank and the Joint Credit Information Center shall stop computerizing and utilizing the disputed information or delete the same according to the request of the Customer and make a record of the date. If the Customer's such request will cause inconvenience to the Bank's operation, the Bank may close the Customer's Account after giving a written notice to the Customer.

　　(4) 客戶得向銀行查詢建檔內(nèi)容及(或)聯(lián)合征信中心所提供有關(guān)客戶之資料?？蛻襞c銀行

　　于發(fā)現(xiàn)前述數(shù)據(jù)有錯(cuò)誤或發(fā)生正確性爭(zhēng)議時(shí)，應(yīng)立即將錯(cuò)誤或爭(zhēng)議之?dāng)?shù)據(jù)，檢附相關(guān)證明文件，送交聯(lián)合征信中心辦理查證或更正。

　　The Customer may check the content of its personal file established by the Bank and/or the personal data of the Customer as provided by the Joint Credit Information Center. If the Customer and the Bank find mistakes in the aforesaid personal data or if there is a dispute over the correctness thereof, they shall immediately provide the correct data together with the relevant supporting documents to the Joint Credit Information Center for verification or correction.