CONTRACT FOR UNSECURED CONSUMER LOAN OF METROPOLITAN BANK AND TRUST COMPANY

　　目 錄 CONTENTS

　　第一條(契約類型)Article 1 (Type of Contract)

　　第二條(借款金額或額度)Article 2 (Loan Amount or Limit)

　　第三條(借款之交付)Article 3 (Loan Disbursement)

　　第四條(借款期間)Article 4 (Term of Loan)

　　第五條(借款利息計付方式)Article 5 (Calculation and Payment of Loan Interest)

　　第六條(利率調(diào)整之通知)Article 6 (Notice of Interest Rate Change)

　　第七條(本息攤還方式與還款方式)

　　Article 7 (Amortization of Principal and Interest and Repayment Method)

　　第八條(遲延利息及違約金)Article 8 (Delay Interest and Penalty)

　　第九條(費用之收取)Article 9 (Fees)

　　第十條(加速條款)Article 10 (Acceleration Clause)

　　第十一條(抵銷權(quán)之行使)Article 11 (Exercise of Offset Right)

　　第十二條(住所變更之告知)Article 12 (Notice of Address Change)

　　第十三條(消費者信息之利用)Article 13 (Use of Consumer Information)

　　第十四條(委外催收之告知)Article 14 (Notice of Outsourcing of Collection Operation)

　　第十五條(委外業(yè)務(wù)之處理)Article 15 (Outsourcing of Business Operations)

　　第十六條(服務(wù)專線)Article 16 (Service Hotline)

　　第十七條 (文字) Article 17 (Governing Language)

　　第十八條(管轄法院)Article 18 (Court of jurisdiction)

　　第十九條(契約之交付)Article 19 (Delivery of Contract)

　　借款人____及保證人____聲明于民國__年__月__日攜回本契約詳細(xì)審閱(契約審閱期間至少五日)，并充分了解及確認(rèn)，雙方約定確實遵守所列各條款。

　　Borrower ____ and Guarantor ____ hereby state that they have taken this Contract back home on ___(year) ____ (month) _____ (day) for review (at least five days should be allowed for contract review), and they understand fully and accept the terms and conditions as agreed by the parties.

　　借款人__(以下簡稱「甲方」)茲向菲律賓首都銀行(以下簡稱「乙方」)辦理借款，雙方約定確實遵守下列各條款：

　　Borrower _________ (Party A) hereby applies for a loan from Metropolitan Bank & Trust Company (Party B), and the parties hereto agree to the terms and conditions below:

　　第一條(契約類型)Article 1 (Type of Contract)

　　本借款契約其借款金額撥付方式系指乙方核給甲方一借款金額，而乙方將該借款金額一次撥付予甲方之借款類型。

　　The Contract refers to Party B grants Party A a loan amount and disburses the loan proceeds to Party A in one lump sum.

　　第二條(借款金額或額度)Article 2 (Loan Amount or Limit)

　　甲方借款金額為新臺幣____元整。 The loan amount granted to Party A is NT$____.

　　第三條(借款之交付)Article 3 (Loan Disbursement)

　　(一)一次撥付型 (1) Lump-sum disbursement:

　　于乙方撥入甲方指定在_____銀行之______存款第_____號賬戶內(nèi)，即視為乙方貸與款項之交付。

　　Party B’s loan to Party A is deemed disbursed when Party B deposits the loan proceeds into Party A’s ____ deposit account No. ____________ at ________ Bank as instructed by Party A.

　　(二)循環(huán)動用型 (2) Revolving loan facility:

　　于本借款額度及借款期限內(nèi)，甲方憑存折及取款憑條、電話語音轉(zhuǎn)帳或網(wǎng)絡(luò)轉(zhuǎn)帳，在甲方于乙方開設(shè)之_____存款第_____號賬戶(以下簡稱「循環(huán)動用借款賬戶」)內(nèi)由甲方循環(huán)動用，并于甲方提領(lǐng)時視為乙方貸與款項之交付。

　　Party B’s loan to Party A is deemed disbursed when loan proceeds are available in a _____ deposit

　　account No. ____ opened by Party A at Party B (referred to as the revolving loan drawdown

　　account hereunder) for drawdown by Party A and Party A makes withdrawal from the account with a passbook and a withdrawal slip or makes transfer from the account via phone banking or online banking during the term of loan.

　　第四條(借款期間)Article 4 (Term of Loan)

　　(一)一次撥付型 (1) Lump-sum disbursement

　　本借款期間____年____月，自民國____年____月____日起至民國____年____月____日止。

　　This loan has a term of ____ (years) ___ (months), starting on ____ (year) ___ (month) __ (day) and ending on ____ (year) ____ (month) __ (day).

　　(二)循環(huán)動用型(2) Revolving loan facility

　　自民國____年____月____日起至民國____年____月____日止，共一年。契約期限屆滿前乙方如不同意續(xù)約，

　　應(yīng)至遲于契約期限屆滿之三十日前(不含契約期限屆滿當(dāng)日)，以書面通知甲方;乙方如未依前述規(guī)定辦理，甲方得主張依同一契約內(nèi)容續(xù)約一年，不另換約。

　　This loan has a term of one year, starting on _______ (year) _________ (month) _____ (day) and ending on____ (year) ____ (month) _____ (day). If Party B decides not to renew the Contract prior to its expiration, Party B shall, no later than 30 days before the expiration date (excluding the day on which the Contract expires), notify Party A in writing. Should Party B fails to act according to the preceding provision, Party A may claim that the loan has been renewed for another year under the same terms and conditions without signing another contract.

　　第五條(借款利息計付方式)Article 5 (Calculation and Payment of Loan Interest)

　　本借款之利息以下列方式計付：

　　按乙方基準(zhǔn)利率(或其它指標(biāo)利率)__%加年利率__%計算(合計年利率__%);嗣后隨乙方基準(zhǔn)利率(或其它指標(biāo)利率)變動而調(diào)整，并自調(diào)整日起，按調(diào)整后之年利率計算。

　　前項所稱之基準(zhǔn)利率(或其它指標(biāo)利率)以臺銀、合庫、華銀、一銀及臺灣土地銀行等五家銀行當(dāng)期公告之「基準(zhǔn)利率」之平均利率加年息 _____%訂定之。

　　利息計算方式，如下：

　　按月計息，本金乘以年利率，再除以十二即得每月之利息額。不足一個月之畸零天數(shù)部分，則按日計息，即：一年(含閏年)以三百六十五日為計息基礎(chǔ)，以本金乘以年利率、天數(shù)，再除以三百六十五即得畸零天數(shù)部分之利息額。

　　Interest on this loan to be calculated and paid according to the following methods:

　　Calculated by Party B’s prime rate (or other benchmark rates) at ____ % plus an annual rate of ____ % (totaling ___ % per annum); the interest rate will be adjusted subsequently as Party B’s prime rate (or other benchmark rates) changes, and interest will be calculated at the adjusted annual rate starting from the date of adjustment. The prime rate (or other benchmark rates) referred to in Paragraph 1 shall be based on the average of announced base rate of 5 banks, i.e. the Bank of Taiwan, Taiwan Cooperative Bank, Hua Nan Comm’l Bank, First Comm’l

　　Bank and Land Bank of Taiwan plus _____% per annum. .

　　Interest is calculated monthly, monthly interest is the principal multiplied by annual interest and then divided by 12, and interest on the portion less than a month will be calculated daily, that is, interest will be accrued on the basis of 365 days a year (including leap years) where principal is multiplied by annual interest rate and the number of days elapsed in the partial month and then divided by 365.

　　第六條(利率調(diào)整之通知)Article 6 (Notice of Interest Rate Change)

　　乙方應(yīng)于基準(zhǔn)利率(或其它指標(biāo)利率)調(diào)整時5日內(nèi)將調(diào)整后之基準(zhǔn)利率(或其它指標(biāo)利率)告知甲方。未如期告知者，其為利率調(diào)升時，仍按原約定利率計算利息、遲延利息;其為利率調(diào)降時，則按調(diào)降之利率計算利息、遲延利息。

　　前項告知方式，乙方除應(yīng)于營業(yè)場所及網(wǎng)站公告外，雙方另約定應(yīng)以書面通知之方式告知

　　乙方調(diào)整基準(zhǔn)利率(或其它指標(biāo)利率)時，甲方得請求乙方提供該筆借款按調(diào)整后利率計算之本息攤還方式及本息攤還表。

　　依第五條第一項第五款個別約定利息計付方式者，其利率調(diào)整時，準(zhǔn)用前三項之約定。

　　When Party B adjusts its prime rate (or other benchmark rates), Party B shall notify Party A of the adjusted prime rate (or other benchmark rates) within 5 days. If Party B fails to make such notification in a timely manner, the interest and delay interest will be calculated at the originally agreed rate when interest rate is adjusted higher, and calculated at lower rate when interest rate is adjusted down.

　　Party B shall post the announcement of interest rate change mentioned in the preceding paragraph at its business places and on its website, and in addition, notify Party A via a written notice as mutually agreed by the parties When Party B adjusts the prime rate (or other benchmark rates), Party A may ask Party B to provide the principal and interest repayment method and repayment schedule calculated based on the adjusted interest rate. Where interest is calculated and paid as agreed according to Subparagraph (5), Paragraph Paragraph 1 of Article 5, the provisions of preceding three paragraphs shall apply when interest rate is adjusted.

　　第七條(本息攤還方式與還款方式)

　　Article 7 (Amortization of Principal and Interest and Repayment Method)

　　本借款本息攤還方式得約定下列方式：

　　自實際撥款日起，依年金法，按月攤還本息。

　　乙方應(yīng)提供甲方借款本息計算方式及攤還表，并應(yīng)告知網(wǎng)絡(luò)或其它查詢方式。

　　乙方提供「無限制清償期間」：甲方并得隨時償還借款或結(jié)清賬戶，無須支付違約金。

　　The principal and interest of the loan may be repaid by the following method:

　　Starting from the actual date of disbursement, Party A will make monthly amortized payment on principal and interest calculated by annuity method.

　　Party B should provide Party A with the method of calculating loan principal and interest and repayment schedule, and inform Party A of the method of inquiring loan payment online.

　　Party B offers the option of no prepayment penalty : Party A may repay the loan or close the account at any time without paying any penalty.

　　第八條(遲延利息及違約金)Article 8 (Delay Interest and Penalty)

　　甲方如遲延還本或付息時， 乙方按原借款利率計算遲延期間之遲延利息者，始得收取違約金。上開違約金按下列方式計收：

　　逾期六個月以內(nèi)者，按原借款利率之百分之十，逾期超過六個月部分，按原借款利率之百分之二十，按期計收違約金，每次違約狀態(tài)最高連續(xù)收取期數(shù)為九期。

　　Where Party A is late in repaying the principal or paying the interest, Party B may charge penalty only if it calculates interest during the late payment period at the original loan rate. The aforementioned penalty will be charged by the following methods:

　　If payment is less than six months late, default penalty will be charged by billing period at the rate of 10% of the original loan rate; for the portion of payment over six months late, the penalty will be charged at the rate of 20% of the original loan rate. For each incidence of default, penalty may be charged only up for nine consecutive billing periods.

　　第九條(費用之收取)Article 9 (Fees)

　　本借款之費用得約定如下：Loan fees may be agreed on as follows:

　　(一)開辦費：新臺幣___元整。

　　(二)賬戶管理費：新臺幣___元整。

　　前項所列費用均以收取一次為限。且除前項所列費用之項目與金額外，乙方不得另外收取其它費用。

　　(1) Up-front charge: NT$ _______.

　　(2) Account management fee: NT$ _________.

　　The fees listed in the preceding paragraph may be charged once only. Aside from the fee items and amounts listed in the preceding paragraph, Party B may not charge other fees.

　　第十條(加速條款)Article 10 (Acceleration Clause)

　　甲方對乙方任一借款所負(fù)之支付一切本息及費用之債務(wù)，均應(yīng)依約定期限如數(shù)清償。

　　甲方如有下列情形之一，乙方得酌情縮短借款期限，或視為全部到期。但乙方依下列第二款、第六款及第七款之任一事由為前揭主張時，應(yīng)于合理期間以書面通知甲方后，始生縮短借款期限，或視為全部到期之效力：

　　(一)任何一宗債務(wù)不依約清償本金者。

　　(二)任何一宗債務(wù)不依約支付利息、費用、其它應(yīng)付款項者。(三)依破產(chǎn)法或消費者債務(wù)清理條例聲請和解、聲請宣告破產(chǎn)、經(jīng)票據(jù)交換所通知拒絕往來、停止?fàn)I業(yè)，清理債務(wù)者。

　　(四)因債務(wù)人死亡而其繼承人聲明為拋棄繼承者。

　　(五)因刑事而受沒收主要財產(chǎn)之宣告者。

　　(六)甲方對乙方所負(fù)債務(wù)，其實際資金用途與乙方核定用途不符者。

　　(七)受強制執(zhí)行或假扣押、假處分或其它保全處分，致乙方有不能受償之虞者。

　　Party A shall pay off all debts in connection with any of the loans granted by Party B, including principal, interest andfees, according to the agreed terms and conditions. In case Party A has any of the following situations, Party B has the discretion to shorten the term of loan or call the entire loan due. However when Party B makes any claim in accordance with Subparagraph (2), (6), and (7) hereof, it should notify Party A in writing and give Party A a reasonable period of time before the shortening of loan term or the calling of loan takes effect:

　　(1) Party A fails to repay the principal of any debt as agreed.

　　(2) Party A fails to pay interest, fees and other payables on any debt as agreed.

　　(3) Party A files for settlement or voluntarily files or is being filed for declaration of bankruptcy under the Bankruptcy Act or the Consumer Debt Clearance Act, or the bill or check drawn by Party A is being denied service by the clearing house, or Party A ceases its business, or is in the process of debt consolidation.

　　(4) Party A passes away and his/her heirs waive rights to inherit.

　　(5) Party A’s major assets are being seized under court order in connection with a criminal case.

　　(6) The actual use of proceeds from loans granted by Party B is inconsistent with the purpose approved by Party B.

　　(7) Party A’s assets are subject to compulsory execution, provisional seizure, provisional disposition or other precautionary measures that it is likely Party B will not be able to receive repayment from Party A.

　　第十一條(抵銷權(quán)之行使)Article 11 (Exercise of Offset Right)

　　甲方不依本契約之約定按期攤付本息時，債權(quán)債務(wù)屆期或依前條規(guī)定視為到期，乙方得將甲方及保證人寄存乙方之各種存款及對乙方之其它債權(quán)于必要范圍內(nèi)期前清償，并將期前清償款項抵銷甲方對乙方所負(fù)本契約之債務(wù)。但甲方之存款及其對乙方之其它債權(quán)足以清償本契約之債務(wù)者，則乙方對保證人不得行使抵銷權(quán)。

　　乙方依前項為抵銷，其抵銷之意思表示應(yīng)以書面方式通知甲方及保證人，其內(nèi)容應(yīng)包括行使抵銷權(quán)之事由、抵銷權(quán)之種類及數(shù)額，并以下列順序辦理抵銷：

　　(一)甲方對乙方之債權(quán)先抵銷，保證人對乙方之債權(quán)于乙方對甲方強制執(zhí)行無效果后抵銷。

　　(二)已屆清償期者先抵銷，未屆清償期者后抵銷。

　　(三)抵銷存款時，以存款利率低者先抵銷。

　　When Party A fails to make amortized payment as agreed agreed, or when Party A’s debt becomes due or is deemed due in accordance with the preceding article, Party B has the right to treat the deposits of Party A and Guarantor at Party B and all of Party A’s claims over Party B as early payment to Party B and use such early payment to offset Party A’s debt to Party B. However when Party A’s deposits at Party B and Party A’s other claims over Party B are sufficient to pay off Party A’s debts under the Contract, Party B shall not exercise offset right against Guarantor.

　　When Party B plans to carry out offset in accordance with the preceding paragraph, it shall notify Party A and Guarantor of its intent in writing. Such notice shall contain information on cause for exercise of offset right, types of offset rights and amounts involved. Party B shall carry out offset in the following order:

　　(1) Party A’s claims over Party B will be offset first, and Guarantor’s claims over Party B will be offset after Party B’s action of compulsory enforcement against Party A is ineffectual.

　　(2) Debts that are due will be offset first and debts that are not yet due will be offset later.

　　(3) When deposits are used for offset, deposits with lower interest rate will be offset first.

　　第十二條(住所變更之告知)Article 12 (Notice of Address Change)

　　甲方、保證人之住所或通訊處所或乙方之營業(yè)場所如有變更者，應(yīng)立即以書面或甲乙雙方約定之方式告知對方。如有應(yīng)告知而未告知者，則他方以原址通知，并以寄出通知時視為已送達。

　　Where Party A or Guarantor changes his or her residence or mailing address, or Party B changes its business place, the changing party shall immediately notify the other party in writing or in a manner as agreed by the parties.

　　第十三條(消費者信息之利用)Article 13 (Use of Consumer Information)

　　乙方僅得于履行本契約之目的范圍內(nèi)，搜集、處理及利用甲方及保證人之個人數(shù)據(jù)及與金融機構(gòu)之往來資料。但相關(guān)法令另有規(guī)定者，不在此限。

　　甲方及保證人：

　　□不同意(甲方或保證人如不同意，乙方將無法提供本項貸款服務(wù))

　　□同意

　　(二者擇一勾選;未勾選者，視為不同意)

　　乙方得將甲方及保證人與乙方之個人與授信往來資料提供予財團法人金融聯(lián)合征信中心及受乙方遵循相關(guān)法令委任代為處理事務(wù)之人。但乙方經(jīng)甲方及保證人同意而提供予前述機構(gòu)之甲方及保證人與乙方往來數(shù)據(jù)如有錯誤或變更時，乙方應(yīng)主動適時更正或補充，并要求前述機構(gòu)或單位回復(fù)原狀，及副知甲方或保證人。

　　甲方或保證人提供乙方之相關(guān)資料，如遭乙方以外之機構(gòu)或人員竊取、泄漏、竄改或其它侵害者，應(yīng)盡速以適當(dāng)方式通知甲方或保證人，且甲方或保證人向乙方要求提供相關(guān)數(shù)據(jù)流向情形時，乙方應(yīng)即提供甲方或保證人該等數(shù)據(jù)流向之機構(gòu)或人員名單。

　　Unless it is otherwise provided by law, Party B may gather, process and use the personal information of Party A and Guarantor and their information on dealings with financial institutions only to the extent of serving the purpose of the Contract.

　　Party A and Guarantor:

　　Disagree (if Party A or Guarantor disagrees, Party B will not be able to provide this loan service).

　　Agree. (Check either one; if neither is checked, it is deemed that Party A and Guarantor disagree).

　　Party B may provide the personal information of Party A and Guarantor and information on their credit-related dealings with Party B to the Joint Credit Information Center (JCIC) and persons commissioned by Party B in compliance with applicable regulations to handle matters on Party B’s behalf. However when the data and information of Party A and Guarantor provided to the aforementioned entities under their consent contains error, Party B should take the initiative to make correction or supply additional information and ask the aforementioned entities to restore the status quo, and send Party A or Guarantor a notice of the same.

　　If the information provided by Party A or Guarantor to Party B is stolen, leaked, altered or otherwise infringed by institutions or persons other than Party B, Party B shall notify Party A or Guarantor by an appropriate means as soon as possible, and if Party A or Guarantor asks Party B to furnish the flow of relevant information, promptly provide Party A or Guarantor with the list of institutions or persons that have access to such information.

　　第十四條(委外催收之告知)Article 14 (Notice of Outsourcing of Collection Operation)

　　甲方如發(fā)生延滯逾期返還本金或利息時，乙方得將債務(wù)催收作業(yè)委外處理，并應(yīng)于債務(wù)委外催收前以書面通知甲方與保證人。通知內(nèi)容應(yīng)依相關(guān)法令規(guī)定，載明受委托機構(gòu)名稱、催收金額、催收錄音紀(jì)錄保存期限，及其它相關(guān)事項。

　　乙方應(yīng)將受委托機構(gòu)基本資料公布于乙方營業(yè)場所及網(wǎng)站。

　　乙方未依第一項規(guī)定通知或受委托機構(gòu)未依相關(guān)法令規(guī)定辦理催收，致甲方或保證人受損者，乙方應(yīng)負(fù)連帶賠償責(zé)任。

　　When Party A is late in repaying principal or interest, Party B may outsource its debt collection operation and notify Party A and Guarantor the same in writing before doing so. Such notice shall contain information on the name of outsourced collection service provider, collection amount, period of retention for tape-recorded collection record, and other relevant matters as required by applicable regulations.

　　Party B shall post the basic information of the outsourced debt collection service provider at its business places or on its website.

　　If Party B fails to send notice according to Paragraph 1 hereof or Party B’s outsourced service provider fails to perform the collection activities in accordance with applicable regulations, Party B shall be held jointly liable for damages incurred by Party A or Guarantor thereof.

　　第十五條(委外業(yè)務(wù)之處理)Article 15 (Outsourcing of Business Operations)

　　乙方依主管機關(guān)相關(guān)法令規(guī)定，得將交易帳款收付業(yè)務(wù)、計算機處理業(yè)務(wù)或其它與本契約有關(guān)之附隨業(yè)務(wù)，委托第三人(機構(gòu))處理。

　　乙方依前項規(guī)定委外處理業(yè)務(wù)時，應(yīng)督促并確保該等資料利用人遵照銀行法及其它相關(guān)法令之保密規(guī)定，不得將該等有關(guān)資料泄漏予第三人。

　　受乙方委托處理數(shù)據(jù)利用人，違反個人數(shù)據(jù)保護法規(guī)定，致個人資料遭不法搜集、處理、利用或其它侵害甲方或保證人權(quán)利者，甲方或保證人得依民法、個人數(shù)據(jù)保護法或其它相關(guān)法令規(guī)定，向乙方及其委托處理數(shù)據(jù)利用人請求連帶賠償。

　　Party B may, in accordance with applicable regulations set forth by the competent authorities, commission third Party B may, in accordance with applicable regulations set forth by the competent authorities, commission third parties (institutions) to handle the billing and payment operations, computer processing operation or other operations associated with the Contract.

　　Where Party B has outsourced its business operations according to the preceding paragraph, Party B shall urge and ensure that outsourced service providers will observe the confidentiality provisions set out in the Banking Act and other applicable regulations without disclosing relevant information to third parties.

　　When an outsourced service provider commissioned by Party B violates the Personal Information Protection Act that results in the personal information of Party A or Guarantor being illegally gathered, processed, or used, or the rights of Party A or Guarantor being otherwise wise infringed, Party A or Guarantor may seek damages from both Party B and the outsourced service provider.

　　第十六條(服務(wù)專線)Article 16 (Service Hotline)

　　乙方之服務(wù)專線如下：Party B’s service hotlines are as follows:

　　第十七條 (文字) Article 17 (Governing Language)

　　本約定書以中文及英文作成。但如中、英文內(nèi)容有歧異時， 應(yīng)以中文為準(zhǔn)。

　　This Agreement is made in Chinese and English. The Chinese version shall govern in the event of inconsistencies or discrepancies.

　　第十八條(管轄法院)Article 18 (Court of jurisdiction)

　　倘因本契約涉訟者，雙方同意以臺灣臺北地方法院為第一審管轄法院，但不得排除消費者保護法第四十七條或民事訴訟法第二十八條第二項、第四百三十六條之九小額訴訟管轄法院之適用。

　　If litigation arises out of this contract, the parties agree that Taiwan Taipei District Court be the court of jurisdiction for the first instance. However, the application of Article 47 of Consumer Protection Act or Paragraph 2, Article 28 or Article 436-9 of the Code of Civil Procedure on small claim court may not be excluded.

　　第十九條(契約之交付)Article 19 (Delivery of Contract)

　　本契約正本乙式__份，由甲乙雙方、保證人及其它關(guān)系人各執(zhí)乙份為憑。但經(jīng)保證人及其它關(guān)系人要求或征得其同意者，得交付復(fù)印件由乙方注明『與正本完全相符』并加蓋本契約專用章。

　　The Contract is executed in ____ original copies , to be held each by the parties hereto, Guarantor and other related parties. If so requested or agreed by Guarantor and other related parties, Party B may deliver to them a photocopy of the Contract noted with the wording Identical to the Original by Party B and affixed with Party B’s contract seal.

　　甲方(借款人)：_____ (簽章)Party A (Borrower): ____ (signature/seal)

　　乙方：菲律賓首都銀行Party B: Metropolitan Bank & Trust Company

　　年 月 日 Date: