外匯存款賬戶開戶總約定書(中英文)

TheDepositorestablishingtheforeigncurrencydepositaccountwithTaiwanCooperativeBank,OffshoreBankingBranch(hereinaftercalled “theBank”),herebyagreesasfollows ：立約定書人(以下簡稱「存戶」)向合作金庫商業(yè)銀行國際金融業(yè)務(wù)分行(以下簡稱「貴行」)開立外匯存款賬戶，同意遵守下列各項(xiàng)約定：1.Definitions 定義Forthepurposehereof,whereapplicable,wordsinthesingularincludethepluralandinthepluralincludethesingular.AsusedinthisDisclosure,thefollowingtermshavetherespectivemeaningsstatedbelow,exceptasotherwiseexpresslyprovidedhereinorunlessthecontexthereinotherwiserequires ：就本開戶總約定書而言，在可適用之情形時，單數(shù)之用語包括復(fù)數(shù)，而復(fù)數(shù)之用語則包括單數(shù)。除本開戶總約定書中另有要求，各名詞定義如下："Account"shallmeananyforeigncurrencydepositaccount,includingdemanddepositaccount,timedepositaccountandcompositedepositaccount,establishedwiththeBankinthenameoftheDepositor.「賬戶」系指存戶于貴行開立新臺幣以外之其它幣別存款利率牌告賬戶，包含活期存款賬戶、定期存款賬戶及綜合存款賬戶。(2)“Bank”shallmeanTaiwanCooperativeBank,OffshoreBankingBranch.「貴行」系指合作金庫商業(yè)銀行國際金融業(yè)務(wù)分行。(3)"Deposit"shallmeananyfundsdepositedintotheAccountoftheDepositor.「存款」系指存戶以其名義存放于前述賬戶內(nèi)之任何款項(xiàng)?！癉epositor”shallmeananycustomerwhoestablishesanAccountwiththeBank.「存戶」系指于貴行開立賬戶之客戶。2.SpecimenofSignatureand/orSeal 約定印鑒(1)AlltransactionsrelatedtotheAccount,bearingthesignature/sealwhichmatchesthespecimenkeptintheBank ’sfile,areregardedtobeaccomplishedbytheDepositorpersonally.IncasetheDepositor ’spassbook,certificateoftimedeposit,and/orsuchsignature/sealislost,stolen,etc,theDepositorshallpersonallynotifytheBankpromptly.TheBankwillnotberesponsibleforanyfraudulenceorpossiblelossesunlessanduntilnoticethereofisactuallyreceivedbytheBank.本賬戶一切事務(wù)之處理，若簽蓋本賬戶約定印鑒，即視同存戶親自辦理。存戶之存折(單)、印鑒如有遺失、被竊等情事，應(yīng)親至貴行辦理掛失止付。在未向貴行辦妥掛失前，如遭他人冒領(lǐng)者，均視為存戶本人之提款，貴行概不負(fù)責(zé)任。AnychangeinanyauthorizedsignatoryoftheDepositororanysignature/sealspecimenthereofshallbenotbindingontheBankunlessanduntilnoticethereofisactuallyreceivedbytheBankinwriting.存戶或被授權(quán)人印鑒如有變更時，除非貴行已實(shí)際收到書面通知外，對貴行不生效力。Withdrawal/Payment提領(lǐng)付款WithdrawalshallbeeffectivebythepresentationofawrittenslipintheformandsubstancesatisfactorytotheBankwiththesignature/sealmatchingthespecimenkeptintheBank’sfile.DepositorcannotwithdrawcashorexchangeforNewTaiwanDollar,buttransfer/remittanceisacceptable.存款提領(lǐng)應(yīng)以貴行同意之書面為之，貴行悉依存戶原留存印鑒為憑辦理。存款不得提領(lǐng)現(xiàn)金亦不得兌換為新臺幣，但得辦理轉(zhuǎn)帳 /匯款至其它銀行。Withdrawalrequestshallclearlyspecifythepaymentinstruction.IftheDepositorfailstospecify,theBankhastheright,atitssolediscretion,toeffectthepaymentasitdeemsappropriate.存戶提領(lǐng)時應(yīng)記載付款指示，如未記載或記載不明，貴行得自行判斷并以適當(dāng)方式付款。PaymenttobemadebytheBankwithrespecttoanyaccountonadaywhichisnotitsbusinessdayshallbemadeonthefollowingbusinessday.付款日若非貴行之營業(yè)日，貴行應(yīng)于次一營業(yè)日給付。Anyexistingorpossiblecharges,taxes,etc.duetotheDepositorshallbepaidbytheDepositor.TheDepositorfurtheragreesthattheBankmaydebitanyandallsuchsumsfromtheAccountorfromanyotheramountpayablebytheBank.任何過去、現(xiàn)在或未來貴行因存戶所發(fā)生之各項(xiàng)費(fèi)用及稅捐，均由存戶負(fù)擔(dān)。存戶并同意貴行得自存戶賬戶或任何應(yīng)付予存戶之款項(xiàng)中扣除。Interest利息AnyinterestrateapplicabletotheAccountshallbespecifiedindocument,announcement,ortheprevailinginterestrateissuedorpublishedbytheBank.各種存款利率應(yīng)依貴行所發(fā)出之文件、通知或牌告計(jì)算之。Fordemanddepositaccount,interestshallbecalculatedonthebasisofayearof365daysonlyforBritishPounds,HongKongDollars,SingaporeDollars,ThaiBaht,andSouthAfricaRand,whileinterestforalltheotherforeigncurrenciesshallbecalculatedonthebasisofayearof360daysinaccordancewithmarketpractice.Interestshallbecalculatedsemiannuallyon20thOfJuneand20thofDecemberrespectivelyandcreditedintotheAccountonthefollowingbusinessday.NointerestwillbepaidiftheaccountbalancedoesnotexceedUSD100.00ortheequivalent.Fortimedepositaccount,excludingthosebasedontheweeklybasis,theinterestshallbecalculatedonamonthlybasisandpaidatthematuritythereof.Providedthattheactualdepositperiodislessthanonemonth,interestshallbecalculatedonthedailybasis.活期存款按日計(jì)息，除英鎊、港幣、新加坡幣、泰銖及南非幣以 365日計(jì)算外，其余外幣依外幣存款之市場慣例以 360日計(jì)之?；钇诖婵罾⒂诿磕炅露占笆露崭鹘Y(jié)算乙次，并于次營業(yè)日存入存戶之賬戶內(nèi)；但存款金額低于活期存款等值美金壹佰元時不予計(jì)息。定期存款，除以周為期別外，足月部份按月計(jì)息，不足月部份按日計(jì)息，到期一次付清。5.Passbook/TransactionDocuments 存折/交易文件IftheaccountbalanceisinconsistentwiththeBank ’sinternalrecord,theDepositorshallagree(andcertify)thattheBank’sinternalrecordisdeemedcorrect.AnyrelevantdocumentsretainedbytheBankshallserveastheprimaryrecordoftransactionsandbetreatedasanevidenceintheeventofanydisputebetweentheDepositorandtheBank.存款金額與貴行相關(guān)帳載金額不相符時，存戶同意以貴行帳載金額為準(zhǔn)。若存戶與貴行有任何爭議時，貴行持有之相關(guān)文件將視同原始憑證，具有法律證據(jù)效力。6.Set-Off抵銷IftheDepositorissubjecttopetitionforbankruptcy,liquidation,reorganization,suspensionofbusiness,compulsoryexecution,provisionalseizure,provisionalinjunction,oranyothersimilaradministrativepunishment,alltheDepositandloanundertheAccountshallbedeemedmatured.TheDepositorlosesalltherightsoftheDepositandloan,andtheBankmayexerciseset-offrightsaccordingtorelevantlawsorregulations.存戶如有依破產(chǎn)法聲請和解、聲請宣告破產(chǎn)、聲請清理債務(wù)、聲請公司重整、經(jīng)票據(jù)交換所通知拒絕往來、停止?fàn)I業(yè)、受強(qiáng)制執(zhí)行、扣押、處分或其它保全處分等情事時，賬戶項(xiàng)下之存、借款均得視為全部到期，存戶并喪失一切期限利益，由貴行依法行使質(zhì)權(quán)或主張抵銷。7.Notice通知AnycommunicationornoticefromtheBankshallbesenttotheDepositorattheaddressand/ortelephonenumberindicatedonthebackoftheDepositor ’ssignaturecardforforeigncurrencydeposit,unlessotherwisestipulated.TheDepositorshallpromptlynotifytheBankofanychangeoftheaddressand/ortelephonenumberinwriting.Intheeventofanychangeoftheaddressand/ortelephonenumber,theBankshallhavenoresponsibilityforanypossiblelossunlessanduntilnoticethereofisactuallyreceivedbytheBankinwriting.貴行一切資料之通知或寄發(fā)，除另有約定外均以存戶印鑒卡背面留存之住址、電話為準(zhǔn)。存戶住址、電話變更時，應(yīng)立即以書面方式通知貴行。如未為通知或在貴行實(shí)際收到通知前，貴行將有關(guān)資料于向本開戶總約定書所載或存戶最后通知貴行之住址、電話發(fā)出后，經(jīng)通常之郵遞期間或電話發(fā)出后即視為到達(dá)。8.Error錯誤IntheeventanamountiscreditedtotheDepositor ’saccountthroughanerroroftheBankorathirdparty,notwithstandingtherecordofthepassbook,theBankmaypromptly,upondiscoveryofsucherror,correctsamewithoutnotifyingtheDepositor.Iftheoutstandingbalanceisinsufficientforsuchcorrection,theDepositorshallimmediatelyrefundsameuponnoticeoftheBank.如因貴行或第三人錯誤將款項(xiàng)存入存戶帳內(nèi)，不論對賬單 /存折如何記載，一經(jīng)發(fā)現(xiàn)，貴行即得更正。倘若存戶帳內(nèi)金額不足以供貴行更正，存戶應(yīng)即將差額對貴行補(bǔ)足。9.Depositor’sInformation 存戶資料之使用TheDepositorherebyunderstandsandagreesthattheBank,undertheirbusinessneedsorotherrelevantlaws,hastherightofinformationcollection,processing,transferringandusagerelatingtotheDepositorandofinformationprovisionforanypersoninchargeofsuchrelatedbusiness.存戶了解并同意貴行有權(quán)于其營業(yè)目的或其它法令許可范圍內(nèi)，對存戶之?dāng)?shù)據(jù)搜集、計(jì)算機(jī)處理或國際傳遞及利用，并得將之提供與貴行所委任處理營業(yè)相關(guān)事務(wù)之人。10.Amendment 修正IftheBankamendsanytermsandconditionsand/orserviceshereof,suchamendmentshallbenotifiedatthebranchesorontheInternetoftheBank.ThetermsandconditionsrelatingtotheAccountwillbeautomaticallysubjecttotheamendmentthereof,unlessadditionalapplicationisrequiredandtheDepositorshallbedeemedtoagreetheamendmentthereof.嗣后貴行有增加或修改存款相關(guān)服務(wù)項(xiàng)目時，貴行應(yīng)將增、修后之約定書置于營業(yè)處所供索閱，或?qū)⒃鲂揄?xiàng)目及約款公告于營業(yè)處所明顯處，或于貴行網(wǎng)站上公開揭示，除貴行規(guī)定必須另行申請外，立約人得自動享有增、修項(xiàng)目之服務(wù)，且一經(jīng)使用增、修服務(wù)后，即視為同意增、修服務(wù)項(xiàng)目之約定。11.GoverningLanguage 適用語言ThisdisclosureiswritteninbothChineseandEnglish.Shouldtherebeanydiscrepancyordispute,theChineseversionwillbeusedinthefirstpriority.本開戶總約定書以中英文書寫而成，若因中英文義歧異而發(fā)生爭議，以中文版本為主。12.GoverningLaw/Jurisdiction 準(zhǔn)據(jù)法及管轄法院ThisDisclosure,anytransactioncontemplatedhereinortermsandregulationsnotmentionedhereinshallbegovernedbythelawsoftheR.O.C.andapplicablerulesandregulations.AnydisputearisingtherefromshallbesubjecttothejurisdictionoftheTaipeiDistrictCourtorotherDistrictCourtgoverningtheoriginalhandlingbranch.本開戶總約定書如有未盡事宜，悉依有關(guān)法令、貴行規(guī)定及國際慣例辦理。本開戶總約定書、賬戶、存款及依其所為之各項(xiàng)交易均應(yīng)依法律及相關(guān)法令規(guī)定辦理。因本開戶總約定書、賬戶、存款而涉訟時，存戶同意以臺灣臺北地方法院或存款開戶之分支機(jī)構(gòu)所在地之地方法院為管轄法院。SpecialTermsandConditions 特別約定條款1.SpecialTermsforForeignCurrencyDemandDepositAccount 外匯活期存款約定條款Theinterestofdemanddepositaccountshallbecalculatedwiththeprevailinginterestrateonafloatingbasis.本項(xiàng)存款按貴行牌告利率計(jì)息，采浮動利率計(jì)息。ThecurrencyusedtoestablishademanddepositaccountshallberestrictedtotheBank’sprevailingcurrencies.TheminimumdepositforestablishingademanddepositaccountisUSD100.00orequivalent.TheinterestfordemanddepositshallbecalculatedifandonlyifthebankbalanceexceedsUSD100.00orequivalent.RelatedtransactionsarepermittedonlybythepresentationofthepassbookandawrittenslipintheformandsubstancesatisfactorytotheBankwiththesignature/sealmatchingthespecimenkeptintheBank ’sfile.本存款幣別限貴行存款利率掛牌之外幣，存款之開戶金額為等值美金壹佰元，計(jì)息單位為等值美金壹佰元。存戶應(yīng)憑存折、本賬戶約定簽章、存款憑條、取款憑條，辦理存、取款。TheDeposit/passbookmaynotbeassigned,transferredorpledgedwithoutthebank’spriorwrittenconsent.本存款(折)非經(jīng)貴行事前書面同意，不得轉(zhuǎn)讓或質(zhì)押。2.SpecialTermsforForeignCurrencyTimeDepositAccount 外匯定期約定條款ThecurrencyusedtoestablishatimedepositaccountshallberestrictedtotheBank’sprevailingcurrencies.TheminimumdepositforestablishingatimedepositaccountisUSD1,000.00orequivalent.Theprincipalandinterestoftimedepositcalculatedwiththeprevailingsimpleinterestrateonafixedbasisshallbepaidatmaturity.本存款幣別限貴行存款利率掛牌之外幣，存款之開戶金額為等值美金壹仟元。本存款本息于到期日按固定利率以單利支付之。Fortimedeposit,noearlywithdrawalisallowedunlesstheDepositorservesnoticeontheBankatleastsevendayspriortothematuritydatethereof.Ifnot,theBank’sconsentisneededforanearlywithdrawal.TheBankshallpaytheDepositor80%oftheaccruedinterestcalculatedwiththeprevailinginterestrateofanidenticalterm.Ifsuchinterestrateisnotapplicable,theinterestshallbecalculatedwiththelowerinterestrateofashorterterm.存單于到期日前中途解約者，應(yīng)依規(guī)定于七日以前通知貴行；如未于七日前通知貴行，經(jīng)貴行同意亦得辦理。中途解約時，其利息系按實(shí)際存滿期間，按其當(dāng)時貴行相當(dāng)期別定期存款牌告利率單利八折計(jì)息，若貴行無該期別之牌告利率時，則以最接近之較低期別牌告利率計(jì)息。Towithdrawalafterthematuritydate,theinterestforthepartthereaftershallbecalculatedwiththeprevailingsimpleinterestrateofdemanddepositaccountquotedonthewithdrawaldate.存戶逾期提領(lǐng)，其自到期日至提領(lǐng)日之利息，按提領(lǐng)日本行外匯活期存款牌告利率折合日息單利計(jì)給。Shouldtherebeanyrequestofautomaticrenewal,theDepositorshallapplyforthisserviceattheoriginalhandlingbranchwiththesignature/sealmatchingthespecimenkeptintheBank’sfile.TheinterestrateofsuchtimedepositshouldbesubjecttotheBank ’sprevailinginterestrateattherenewaldate.Theperiodofautomaticrenewalstartsfromthevaluedate.Forthetermthereofshorterthanonemonth,theperiodofautomaticrenewalshouldnotbelongerthanoneyear.Forthetermthereoflongerthanonemonth,theperiodofautomaticrenewalshouldnotbelongerthanthreeyears.存戶欲將存款自動轉(zhuǎn)期續(xù)存者，可憑原留印鑒向貴行原受理開戶單位申請，自動轉(zhuǎn)期利率以轉(zhuǎn)存日牌告利率為準(zhǔn)。自動轉(zhuǎn)期期間自原存單起息日起算，存期未滿一個月者，最長可達(dá)一年，存期一個月期以上者，最長可達(dá)三年。ThisDepositisnon-transferable.AnyandalltimedepositaccountsestablishedwiththeBankmaynotbeassigned,transferredorpledgedtoanythirdparty,excepttotheBank,withouttheBank'spriorwrittenconsent.本存款不得轉(zhuǎn)讓。非經(jīng)貴行同意不得出質(zhì)他人，但得憑存單向貴行質(zhì)借。3.SpecialTermsforForeignCurrencyCompositeDepositAccount 外匯綜合存款約定條款Thecompositedepositaccountincludesdemanddeposit,timedeposit,andtimedepositpledge.本存款項(xiàng)下分設(shè)外匯活期存款、外匯定期存款及定存質(zhì)借放款 (以下簡稱活存、定存及借款)。(2)ThecurrencyusedtoestablishacompositedepositaccountshallberestrictedtotheBank’sprevailingcurrencies.TheminimumdepositforestablishingacompositedepositaccountisUSD100.00orequivalent.TheinterestfordemanddepositshallbecalculatedifandonlyifthebankbalanceexceedsUSD100.00orequivalent.Theinterestofdemanddepositiscalculatedwiththeprevailinginterestrateonafloatingbasiswhilethatoftimedepositiscalculatedwiththeprevailinginterestrateonafixedbasis.本存款幣別限貴行存款利率掛牌之外幣，存款之開戶金額為等值美金壹佰元，計(jì)息單位為等值美金壹佰元?；畲嬉蕾F行牌告利率采浮動計(jì)息，定存依貴行牌告利率采固定計(jì)息。Forthetimedepositunderthiscompositedepositaccount,theDepositorshallselectoneofthefollowingtwomethods.本存款項(xiàng)下之定存得依照下列方式擇一轉(zhuǎn)存：I、TheDepositorshallnoticetheBankwheneverthetransferisneeded.由存戶逐筆通知貴行辦理轉(zhuǎn)存定存。、AutomaticTimeDepositTransfer.TheBankisauthorizedtotransfertheamountexceedstheretainedamountfromdemanddepositintotimedepositwithoutpriornotice.Theminimumretainedamountshallexceedtheamountstatedbelow.存戶辦理自動轉(zhuǎn)存，本存款項(xiàng)下之活存余額達(dá)各幣別約定酌留額以上時，其超過部份授權(quán)貴行以下列方式轉(zhuǎn)存定存，惟不得低于貴行最低酌留額。Theabove“AutomaticTimeDepositTransfer ”authorizedbytheDepositorwillbeautomaticallyrenewedatthematuritydateattheBank ’sprevailinginterestratefortheidenticaltermattherenewaldate.Thecurrencyandthetermofthetimedepositfortherenewalperiodshallbethesameasthatfortheoriginaltimedeposit.Thetypesavailableareasfollows.授權(quán)貴行之轉(zhuǎn)存，并于存款到期日依原幣別、期別辦理自動轉(zhuǎn)期，轉(zhuǎn)期利率以轉(zhuǎn)存日該期別牌告利率為準(zhǔn)，自動轉(zhuǎn)期方式如下：Automaticprincipalrenewaltype.Unlimitedtimesforrenewal.Whentimedepositisrenewed,theinterestisnotincludedinrenewaltimedepositamount,butcreditedtodemanddepositofthiscompositedepositaccountofthesamecurrencyasdesignatedinadvance.本金自動轉(zhuǎn)存，轉(zhuǎn)期次數(shù)不限，其利息轉(zhuǎn)入本存款項(xiàng)下之活存。Automaticprincipalandinterestrenewaltype.Unlimitedtimesforrenewal.本息自動轉(zhuǎn)存，轉(zhuǎn)期次數(shù)不限。IftheDepositorwantstoterminatetheautomaticrenewal,theDepositorshallnotifytheBanktotransferthetimedepositintothedemanddepositofthiscompositedepositaccount.其后如不作續(xù)存，存戶應(yīng)通知貴行將該筆定存轉(zhuǎn)存入本存款項(xiàng)下之活存賬戶中。TimeDepositPrincipalPledgeundercompositedepositaccountshallbeoneofthefollowingtypes.本賬戶有關(guān)質(zhì)借事項(xiàng)得依照下列方式擇一辦理：I、Deactivatetimedepositpledgefunction.Allwithdrawalsand/orpaymentsarelimitedtothebankbalance.Nofundscanbeadvancedunderthiscompositedepositaccount.不辦理質(zhì)借。本賬戶所有支出交易均以外匯活期存款余額為限，貴行不得就其外匯定期存款額度內(nèi)墊付。、Activatetimedepositpledgefunction.IfthebankbalanceisinsufficientfortheDepositor’swithdrawaland/orpayments,theBankmayadvancetheinsufficientsumswithinthecoverageofpledgeguarantee,amaximumamountof90%principal.TheadvancesaredeemedtheDepositor’sloanowedtotheBankevenwhilealoancontractwillnotbeissued.TheprincipalandinterestofthetimedepositarefullypledgedtotheBankascollaterals.Shouldtherebetimedepositofothercurrencyinneedofapledge,theDepositorshallnotifytheBankbychangingthestipulatedtermsandconditionswiththeBank.本開戶幣別存款項(xiàng)下之定存需辦理質(zhì)借。本開戶幣別存款項(xiàng)下之活存，如余額不足支付存戶取款金額時，由貴行自動就該幣別存款項(xiàng)下之定存總額九成（或存戶與貴行約定之質(zhì)借成數(shù)，惟最高不得超逾九成）額度內(nèi)墊付，墊付金額即為存戶向貴行之借款，不另立借據(jù)。該幣別定存即已悉數(shù)設(shè)定質(zhì)權(quán)予貴行，以擔(dān)保存戶在本存款項(xiàng)下之全部借款。另本存款項(xiàng)下之其它幣別倘有質(zhì)借需求，將另行以變更約定事項(xiàng)之方式通知貴行辦理。(5)Repaymenthereof：Depositunderthiscompositedepositaccountwillbemadeasrepaymenttotheloanautomaticallywithoutpriornoticeattimedepositmaturitydate,attimedepositterminationdate,orattheautomaticrenewaldate.Periodhereof：TheexpirydateofsuchloanmaynotbelaterthanthematuritydateoftherelevanttimedepositLoaninterestratehereof ：Theaccrualloaninterestrateshallbecalculatedinaccordancewithrelevantcurrencytimedepositinterestrateplus1.5%annualrate.Theloaninterestpaymentshallbecalculatedonthebasisofdailyoutstandingbalance.TheBankmaydebittheAccountforinterestpayablewithoutpriornoticetotheDepositor.Iftheunusedloanfacilityamountisinsufficientforrepaymentamount,theDepositor