Common use of Offset and discharge Clause in Contracts

Offset and discharge. 持卡人經貴行依第二十二條終止契約時，貴行得將持卡人寄存於貴行之各種存款、款項及對貴行之一切債權主張期前清償，並得將期前清償之款項抵銷持卡人對貴行所負之債務。(支票存款須另依開戶總約定書內支票存款約定事項之約定，終止支票存款契約後，貴行始得行使抵銷權)貴行預定抵銷之意思表示，自登帳扣抵時即生抵銷之效力。同時貴行發給持卡人之存摺、存單及其他債權憑證，在抵銷範圍內失其效力。如抵銷之金額不足抵償持卡人對貴行所負之全部債務者，依民法第三百二十一條至第三百二十三條規定抵充之。但貴行指定之順序及方法較民法第三百二十三條之規定更有利於持卡人者，從其指定。 In the event that the agreement is terminated by the Bank according to Article 22, the Bank may take whatever deposits and debt entitlements the cardholder has over the Bank to settle any debts that cardholder owes to the Bank. (For check deposit accounts, the terms and conditions of the General Agreement for Account Opening allow the Bank to exercise its right of set off only after the check deposit account agreement is terminated) This offset shall be effected from the time the accounting entries are made. Once the Bank has exercised its right of offset, the cardholder's passbook, certificate of deposit and other debt entitlement certificates shall no longer serve as valid proof of possession where offset applies. If the amount of property does not cover all debts the cardholder has owed to the Bank, then the offset shall proceed according to the priorities outlined in Articles 321 to 323 of the Civil Code. However, the Bank may specify a priority of offset that supersedes Article 323 of the Civil Code if it works in the cardholder's favor. 第 20 條 契約之變更

Offset and discharge. 持卡人經貴行依第二十二條終止契約時，貴行得將持卡人寄存於貴行之各種存款、款項及對貴行之一切債權主張期前清償，並得將期前清償之款項抵銷持卡人對貴行所負之債務。(支票存款須另依開戶總約定書內支票存款約定事項之約定，終止支票存款契約後，貴行始得行使抵銷權)貴行預定抵銷之意思表示，自登帳扣抵時即生抵銷之效力。同時貴行發給持卡人之存摺、存單及其他債權憑證，在抵銷範圍內失其效力。如抵銷之金額不足抵償持卡人對貴行所負之全部債務者，依民法第三百二十一條至第三百二十三條規定抵充之。但貴行指定之順序及方法較民法第三百二十三條之規定更有利於持卡人者，從其指定持卡人經貴行依第十八條終止契約時，貴行得將持卡人寄存於貴行之各種存款、款項及對貴行之一切債權主張期前清償，並得將期前清償之款項抵銷持卡人對貴行所負之債務。(支票存款須另依開戶總約定書內支票存款約定事項之約定，終止支票存款契約後，貴行始得行使抵銷權)貴行預定抵銷之意思表示，自登帳扣抵時即生抵銷之效力。同時貴行發給持卡人之存摺、存單及其他債權憑證，在抵銷範圍內失其效力。如抵銷之金額不足抵償持卡人對貴行所負之全部債務者，依民法第三百二十一條至第三百二十三條規定抵充之。但貴行指定之順序及方法較民法第三百二十三條之規定更有利於持卡人者，從其指定。 In the event that the agreement is terminated by the Bank according to Article 2218, the Bank may take whatever deposits and debt entitlements the cardholder has over the Bank to settle any debts that cardholder owes to the Bank. (For check deposit accounts, the terms and conditions of the General Agreement for Account Opening allow the Bank to exercise its right of set off only after the check deposit account agreement is terminated) This offset shall be effected from the time the accounting entries are made. Once the Bank has exercised its right of offset, the cardholder's passbook, certificate of deposit and other debt entitlement certificates shall no longer serve as valid proof of possession where offset applies. If the amount of property does not cover all debts the cardholder has owed to the Bank, then the offset shall proceed according to the priorities outlined in Articles 321 to 323 of the Civil Code. However, the Bank may specify a priority of offset that supersedes Article 323 of the Civil Code if it works in the cardholder's favor. 第 20 16 條 契約之變更