TERMS AND CONDITIONS FOR ACCOUNTS PRODUCTS AND SERVICES

帐户金融产品及服务条款和条件

TERMS AND CONDITIONS FOR ACCOUNTS PRODUCTS AND SERVICES

总则

以下规定适用于银行提供的所有金融产品和服务(限于银行决定提供的金融产品和服务并在遵守适用的中国法律及法规的前提下)。为表述方便之目的，在本条款和条件项下，提及“中国”时应指中华人民共和国（但不包括香港特别行政区、澳门特别行政区和台湾）。 GENERAL TERMS

The following sections are applicable to all facilities and services (subject to availability and compliance with applicable laws and regulations of China) provided by the Bank. For the convenience of expression, under these terms and conditions, reference to “China” hereunder shall mean the People’s Republic of China (excluding Hong Kong Special Administrative Region, Macau Special Administrative Region and Taiwan).

1. 序言 Introduction

1.1 本条款和条件构成客户已签署之开户申请表的一部分，并共同构成就银行目前及将来通过客户所开立的帐户提供的各类金融产品或服务（不论是储蓄性质还是投资或借款性质）规范客户作为银行客户与银行关系的合同。

These terms and conditions form part of the account opening application the Customer has signed and together form the contract which governs the Customer’s relationship with the Bank as the Bank’s client on the Bank’s present and future products or services through any account (whether of a deposit, investment or borrowing nature).

1.2 每一种金融产品或服务均可通过新设或附加条款，或写有金融产品特征或指引的手册或小册子随时加以补充，或受任何对本条款和条件的修改的约束（统称为“补充文件”）。银行可经自行决定通过营业网点公示、人工送达、对账单夹寄、信函、传真、电子邮件、电话、短信和/或网站公告等方式中的一种或几种向客户发送补充文件。除营业网点公示和网站公告通知外，银行将按照客户向银行提供的最后地址、电话、电子邮箱或传真号码向客户发送补充文件。如补充文件以人工送达，则所有补充文件将在送达之日视为被客户收到；如补充文件以邮寄送达，则所有补充文件将在寄出之日后紧接的五日后视为被客户收到；如补充文件以传真、电子邮件、电话、短信等电子方式发送，则所有补充文件将在发送之日视为被客户收到；如补充文件以营业网点公示或网站公告等公告方式送达，则在公告作出后的五日后视为被客户收到。客户同意，如客户使用有关补充文件中规定的新金融产品或服务，或如客户自收到或被视为收到有关修改本条款和条件或修改专门适用于现有帐户条款（视情况而定）的补充文件之日（以早收到之日期为准）后的三十天内没有终止本条款和条件或客户现有帐户，则视为客户已收到并接受和同意该等补充文件中的条款对客户有约束力（即使银行并未收到客户的签字确认回执）。

Each product or service may be subject to new or additional terms or supplemented from time to time by a brochure or pamphlet containing applicable product features or guidance or any amendments to these terms and conditions (the “Supplementary Document”). The Bank has the right to determine, at its own discretion, to send the Customer the Supplementary Document in one or more of the following methods: public announcement in service outlets, delivery in person, enclosure in account statements, letter, fax, email, telephone, SMS and /or website notice. Except for the public announcement in service outlets and website notice, Citibank China will, at its own discretion, send a Supplementary Document per the latest address, telephone number, email address or fax number provided by the Customer. In circumstances where the Supplementary Document is delivered in person, the Customer shall be deemed as having received the Supplementary Document on the date of service; under the circumstances of service by mail, the Customer shall be deemed as having received the Supplementary Document upon 5 days of the dispatch date ; where the Supplementary Document is sent electronically by fax, email, telephone or SMS, the Customer shall be deemed as having received the Supplementary Document on the delivery date; if the Supplementary Document is served by a public announcement in service outlets or on website, the Customer shall be deemed as having received the Supplementary Document upon 5 days after such notice is made. The Customer agrees that if the Customer utilizes any new product or service provided in relevant Supplementary Documents or if the Customer does not terminate these terms and conditions or any existing accounts within 30 days from receipt or deemed receipt by the Customer of the Supplementary Documents relating to any amendments to these terms and conditions or (as the case may be) any amendments to the terms to which such existing accounts are subject (whichever is earlier), the Customer will be deemed (even though the Bank has not received the Customer’s signed acknowledgement) to have received and accepted the terms of such Supplementary Documents as binding on me.

1.3 每项交易的细节将在通知书或确认书中列出，所有的交易情况的摘要将定期汇总在对帐单中，以上均由银行发出。客户同意将按照本条款和条件来核对有关内容的准确性。

Details of each transaction will be set out in an advice or confirmation, and all transactions will be summarized periodically in a statement, all to be issued by the Bank. The Customer agrees to verify the correctness of their contents in accordance with these terms and conditions.

1.4 本条款和条件以及以上提及的所有附加条款和文件、通知书、确认书及对帐单就任何目的而言均构成一个完整的协议，且将约束与银行或通过银行不时进行的全部交易，否则银行不会进行任何此等交易。

These terms and conditions and all such additional terms and documents, advice, confirmation and statement as referred to above shall constitute an entire agreement for all purposes and govern all transactions from time to time concluded with or through the Bank, it being understood that the Bank would not otherwise enter into any such transaction.

2. 金融产品及服务Product & Service

2.1 客户可能要求银行提供的金融产品和服务的范围包括银行在所有适用的中国法律、法规和政策允许的范围内不时决定提供的存款、银行信贷、投资以及其他金融产品和服务。银行可不时确定客户从事交易的最低及/或最高金额或价值。

The range of products and services that the Customer may request from the Bank includes any deposit, banking facility, investment and other products and services that the Bank determines from time to time to the extent permitted by all applicable laws, regulations and policies of China. The Bank may from time to time fix the minimum and/or maximum amount or value for any transaction to be conducted by the Customer.

2.2 存款只包括存放在银行处的存款。

Deposits only include deposits with the Bank.

2.3 投资可包括存款和任何性质的投资，包括在下列各项中的或与下列各项相关的投资：如存款、单位信托、债券、不记名存单、货币市场票据、外汇、利率、金融期货、商品指数或任何其他指数、参考指数、或现货、期货、差数、期权、掉期、抵销或衍生安排或差额合同。

Investments may include deposits and investments of any nature including those in or linked to deposits, unit trusts, bonds, bearer certificate of deposits, money market instruments, foreign exchange, interest rate, financial futures, commodity index or any other index, indicator, or spot, forward, margin, option, swap, netting or derivative arrangements or contracts for differences.

2.4 多元化投资一般性建议

General Diversification Reminders

(a) 当客户考虑投资产品的时候，投资组合的多元化应作为一个重要的的考虑因素。集中化的投资可能要比一个多元化的投资组合风险更大。

Portfolio diversification is an important element for the Customer to consider when making investment decisions. Concentrated positions may entail greater risks than a diversified portfolio.

(b) 如果只是评估客户花旗中国账户上的投资，某些判断客户的投资组合是否足够多元化的影响因素可能不会完全显现出来。因此客户应当仔细地评估所有的投资组合，这样才能确保此投资组合能够满足客户的投资预期并且在客户的风险承受范围之内，包括客户对资产多样化和发行人多样化的要求。

Certain factors that affect the assessment of whether the Customer overall investment portfolio is sufficiently diversified may not be evident from a review that only includes the Customer’s Citi account(s). It therefore is important that the Customer carefully review the Customer’s entire investment portfolio to ensure that it meets the Customer’s investment goals and is

within the Customer’s risk tolerance, including the Customer’s objectives for asset and issuer diversification.

To discuss asset allocation and potential strategies to reduce the risk and /or volatility of a concentrated position, the Customer may contact his/her Citi representative.

2.5 即使银行已承诺在一段时间内提供或保持任何帐户或金融产品、服务、合同或交易，银行可在任何时候经给予客户通知后，暂停、关闭或终止该任何帐户或金融产品、服务、合同或交易，而无须承担责任或作出赔偿。一经银行要求，客户在该项金融产品、服务、合同或交易下的债务须立刻到期且须立刻支付给银行。

The Bank may block, close or terminate any account or product, service, contract or transaction at any time by notice to the Customer without liability or compensation although the Bank may have committed to provide or maintain the same for a period of time. Upon the Bank’s demand, the Customer’s liabilities under such product, service, contract or transaction shall become immediately due and payable to the Bank.

2.6 如果客户想要投诉可以拨打000-000-0000（中国境内）或（8620）38801267 致电花旗24 小时电话银行，访问银行各分

（支）行，或登录花旗网上银行（xxx.xxxxxxxx.xxx.xx）联系我们。

If the Customer has a complaint, the Customer may call 24- hour CitiPhone Banking at 000-000-0000 (within China) or (0000) 00000000, visit the Bank’s branches, or contact us via Citibank Online (xxx.xxxxxxxx.xxx.xx).

3. 银行的职责The Bank’s Role & Liability

3.1 任何存放于银行及银行在中国的任何分行的存款，或银行及该等分行的其他支付义务，将在遵守中国的法律和惯例

（包括任何政府行为、命令、裁定和法规，并且包括财政及外汇管理条例）的前提下，仅在该等分行由该等分行单独支付。如因不受控制之限制或事件而使该等分行无法履行其义务，任何其他分行无须承担支付该等存款及义务的责任。

Any deposits with or other payment obligations of the Bank and any branches of the Bank in China will be paid solely at and by that branch and are subject to the laws and practices of China (including any government acts, orders, decrees and regulations, and including fiscal and exchange control regulations). No other branch shall be responsible for payment of these deposits and obligations due to restrictions or events beyond the control of that branch that prevent it from fulfilling its obligations.

3.2 客户同意，银行代表客户在任何时候存放一笔存款或作出其他投资时均以客户的代理人身份行事，相关风险和利益均由客户承担。客户理解，在银行与任何经纪人或交易对方进行交易所达成之协议内，可包括规定银行以当事人(而非代理人)的名义行事或银行的权利和义务不可转让之条款。但是，该等条款并不影响客户与银行交易中银行为客户代理人的身份。客户在此同意，与每个经纪人或交易对方进行的有关交易将遵守其规定的规则、条款和条件。

Whenever any deposit or other investment is placed or made by the Bank on the Customer’s behalf, the Customer agrees that the Bank acts as the Customer’s agent for the Customer’s sole risk and account. The Customer appreciates that in an agreement governing the Bank’s transaction with any broker or counterparty, there may be provisions stating that the Bank acts as principal as against him or that the Bank’s rights and obligations are not transferable. However, such provisions will not affect the Bank’s capacity as the Customer’s agent in the Customer’s transaction with the Bank. The Customer hereby agrees that the relevant transaction with each broker or counterparty will be subject to the rules, terms and conditions as stipulated by him.

3.3 银行可委托任何代理人、经纪人、指定人士、联络人、托管人、交易对方或任何其他方包括花旗集团及其任何分行、子公司、附属或关联公司或相关实体（各简称为“花旗集团机构”）来履行银行的职责，或者就银行将采取的任何行动征询银行选择的专业顾问的意见。

The Bank may delegate the performance of the Bank’s functions or duties to any agent, broker, nominee, correspondent, custodian, counterparty or any other party including Citigroup, Inc. or any of its branch, subsidiary, affiliated or associated companies or related entities (each a “Citigroup Organization”) or obtain advice from any professional adviser of the Bank’s choice on any action to be taken by the Bank.

4. 授权签字人发出的指示Instructions Given by Authorised Signatories

4.1 客户或客户通过帐户运作委托书或任何授权书任命的授权签字人可以向或与银行签署、盖章或发出任何与下列事项有关的指示、协议或其他文件（以下通称为“指示”）：1）客户的帐户的开立、关闭或操作（包括改变发出帐户相关指示的方式）；2)作出或结清任何投资；3) 将物品交于银行保管或取回该等物品；4) 发出止付令；5）取得提供给客户或任何借款人的放款或其他银行服务或融资安排；6) 为了对该等银行服务或融资安排提供担保，而在任何帐户及其中的投资上设立任何留置或其他担保权益以保障银行的利益；7) 为了银行的金融产品或服务向银行提供保证、补偿保证或反补偿保证；8) 客户在本文件中的权限和权力的委托和转委托；9) 签署包括风险披露声明在内的任何相关文件。

The Customer or the signatories appointed under the Customer’s mandate for account operation or any letter of authority may execute, seal or deliver any instructions, agreement or other documents (collectively “Instructions”) with or to the Bank in relating to the following items:

i) opening or closing of the Customer’s account and its operation, including any change in the manner of giving instruction; ii) making or liquidating any investment; iii) depositing items for safekeeping or withdrawal thereof; iv) issue of stop payment order; v) obtaining advances or other banking facilities or accommodation to the Customer or any borrower; vi) encumbering or creating any lien or other security interest over any account and investment therein securing such facilities and accommodation in the Bank’s favor; vii) the giving of any guarantee, indemnity or counter-indemnity to the Bank for the Bank’s products or services; viii) the delegation and sub-delegation of the Customer’s authorities and powers herein; ix) execution of any related documents including any risk disclosure statements.

4.2 客户对授权签字人的更换只有在银行已收到客户指示以及有足够时间使银行能在操作系统中充分记录该指示后，方才有效。

Any change of authorized signatories by the Customer will only be effective after the Bank has received the Customer’s Instruction and sufficient time has elapsed to enable the Bank to fully record the Instruction in the Bank’s operation system.

5. 电话、口头或其他指示Telephone, Oral or Other Instructions

5.1 客户特此授权银行（但银行并非必须）接受：

The Bank is hereby authorised (but are not obliged) by the Customer to accept any Instructions given by

(a) 任何人或客户之任何授权签字人致电或亲自光临报出客户帐户号码及个人识别密码（如已获派）或银行进行核对所需的其他细节后作出的指示，即使客户委托书可能已规定帐户由多于一人操作也一样；或者

Telephone by any person, or any of the Customer’s authorized signatories orally or in person, quoting the Customer’s account number, the Customer’s identification code (if assigned) or other details as requested for validity check even though the Customer’s mandate may have provided for account operation by more than one person; or

(b) 声称是客户的授权签字人的人以电传、信函、传真或者以书面形式作出的指示；或者

Telex, mail, facsimile transmission or in writing purportedly given by the current authorized signatory (i.e.); or

The affixation of a chop which closely resembles the specimen that was previously recorded with the Bank; or

(d) 通过使用银行提供的卡及/或密码的电子方式作出的指示，银行无须对上述所有作出或声称作出该等指示之人士的权力或身份或该等指示的真伪作出查询，即使该等指示可能有错误、误解、欺诈、伪造或指示不明确或缺乏授权。 Electronic means through the use of card and/or code which the Bank may provide, all without any inquiry by the Bank as to the authority or identity of the person making or purporting to give such Instructions or their authenticity notwithstanding any error, misunderstanding, fraud, forgery or lack of clarity in or authorization for their terms.

5.2 银行在按有关指示行事前可以要求客户以电话或以其他方式确认以上述方式作出的指示。客户同意银行对客户与银行的所有电话对话进行录音。如银行认为客户之指示有含糊或不一致之处，在银行认为该含糊或不一致获得满意解决之前，银行可不按此等指示行事。

The Bank may require the Customer to confirm by telephone or other means the Customer’s Instructions given as aforesaid before acting upon such Instructions. The Customer agrees to the Bank’s recording all the Customer’s telephone conversations with the Bank. If in the Bank’s opinion, there is any ambiguity or conflict in respect of the Customer’s Instructions, the Bank may choose not to act upon them until the ambiguity or conflict has been resolved to the Bank’s satisfaction.

5.3 在遵守任何适用的中国法律和法规的前提下，只要客户符合银行的核验要求，客户即可通过电话或其他方式，用客户已签署的开户申请表中所用的同一名义开立更多帐户，而无须再签署另一份开户申请表。客户可采用客户任何现有帐户的任何现有签字样本，作为新开立或增设帐户的签字样本。但是，除非客户特别签署另一份授权书，否则现有帐户的任何授权书中所载授权签名人的签字样本将不适用于新帐户。

Subject to any applicable laws and regulations of China, the Customer may open more accounts carrying the same title as the account opening application the Customer has signed, via telephone or other means, without signing another account opening application, as long as the Customer has satisfied the Bank’s validity check. For signature specimens of new or additional accounts, the Customer may adopt any of the existing signature specimens from any of the Customer’s existing account. However, the signature specimens of authorized signatories contained in any letter of authority for existing accounts will not be adopted unless another letter of authority is specifically executed.

6. 对帐单、通知书、告示等的接收Receipt of Statement, Advice, Notice, etc.

6.1 银行发出的任何对帐单、通知书、确认书、告示、函件或文件如发至客户在银行登记的最新地址或传真号码即为有效发出，并视为在该通讯方式的通常送达时间内已由客户收取。在客户事先明确同意的情况下，任何对帐单、通知书、确认书、告示、函件或文件如以电子信息方式发送到客户在银行登记的最新电子邮件地址，该等通知应被视为立即送达。

Any statement, advice, confirmation, notice, communication or document to be given by the Bank will be validly given if dispatched to the Customer’s address or faxed to the Customer’s fax number last registered with the Bank and will be deemed to have been received by the Customer within a generally acceptable time for that means of communication. Subject to the Customer’s prior specific consent, any statement, advice, confirmation, notice, communication or document sent by an electronic message to the Customer’s e-mail address latest registered with the Bank shall be deemed to have been received immediately

6.2 就电子邮件通讯方式而言，银行已经采取了某些措施为客户的电子邮件通讯提供安全环境。然而，基于互联网的现实情况，银行无法保证通讯信息的保密性。客户同意并确认，在通过互联网的通讯中，银行发给客户或是客户发给银行的包括但不限于帐号、存款、交易、产品有关的信息，都可能发生延误、丢失和/或被第三方访问到。客户同意并确认，银行对自身内部系统以外的数据安全和保密不承担责任。银行对因银行无法合理控制的任何传输或者通讯设施中产生的任何延迟或者失误引起的发送给客户的信息的任何迟误或丢失不承担责任。

With regard to the communications via email, the Bank has taken certain steps to provide a secure environment for the Customer’s personal information via email. However, due to the nature of the Internet, the Bank cannot guarantee the confidentiality of such information. The Customer hereby agrees and acknowledges that communications sent to the Customer by the Bank or by the Customer to the Bank via the Internet, including but not limited to the information relating to, or any particulars of, the Customer’s account, any deposits held with the Bank, any transactions and/or products, could be delayed, lost and/or accessed by third parties in the course of such communications being sent to or by the Customer. The Customer agrees and acknowledges that the Bank accepts no liability for the security and confidentiality of data outside its own internal systems. The Bank is not responsible for any delays or errors or lost in any information sent to the Customer, as a result of any delay or error occurred in any transmission or telecommunication facilities beyond the reasonable control of the Bank.

7. 对帐单、通知书或确认书Statement, Advice or Confirmation

7.1 列明帐户借项和贷项的对帐单以及客户交易的摘要将由银行按月在结算日后的十四天内发出。除另有明确规定外，通知书或确认书由银行在任何交易活动发生后的十四天内发出。如在对帐单当月客户未发生任何交易，则银行有权中止向客户提供对帐单直至新的交易活动发生。

A statement of account setting out debits and credits to an account and a summary of the Customer’s transaction will be issued by the Bank monthly and within 14 days following the statement cycle day. Unless otherwise expressly provided, the Bank will issue an advice or confirmation within 14 days of any transaction. In the event that no transaction occurs in the statement cycle month, the Bank may suspend the Customer’s statement till the occurrence of any new transaction.

7.2 客户同意应自行负责确保每份对帐单、通知书或确认书按正常的邮递时间由客户及时收取，及如未能及时收取时应立刻向银行作出查询并索取该等文件。客户承诺核实每份对帐单、通知书或确认书的准确性，及如其记录或细节有任何矛盾、遗漏、错误或不准确之处，客户将在收到或被视为收到上述任何文件后的三十天内书面通知银行。三十天期满后，银行的记录及对帐单、通知书或确认书的详情，对客户而言，应是决定性的证据，对于它们的准确性无须进一步的证明，但客户已按上述方式书面通知银行的任何指称的错误且银行对该等其错误或不准确的记录作出调整和修改的除外。

The Customer agrees that it is the Customer’s sole responsibility to ensure that every statement, advice or confirmation is received in due time according to the ordinary course of posting and to enquire with and obtain the same from the Bank forthwith if not duly received. The Customer undertakes to verify the correctness of each statement, advice or confirmation, and to notify the Bank in writing within 30 days from its receipt or deemed receipt of any discrepancies, omissions, errors or wrong or incorrect entries or details. At the end of the period of 30 days, the Bank’s records and the details of the statement, advice or confirmation shall be conclusive evidence against the Customer without any further proof that they are correct except as to any alleged errors so notified in writing and subject to the Bank’s right to adjust and amend such entries or details wrongly or mistakenly made by the Bank.

7.3 除下列情况外，银行就针对有关帐户及有关对帐单、通知书或确认书中载明的交易细节提出的任何索赔不承担责任，即使在帐户记录、对帐单、通知书或确认书中有矛盾、遗漏、错误、不准确或不正确的记录或详情，即使该等矛盾、遗漏、错误、不准确或不正确的记录或详情是由于伪造、欺诈、缺乏授权、疏忽还是其他原因的记录、处理或支付所导致：

The Bank shall be free from all claims in respect of the account and the particulars of the transaction contained in the statement, advice or confirmation notwithstanding any discrepancies, omissions, errors or wrong or incorrect entries or details as so stated whether made, processed or paid out as a result of forgery, fraud, lack of authority, negligence or otherwise by any person whatsoever except:

(a) 银行的雇员、代理人或员工的伪造或欺诈行为所引起的未授权交易；或

Unauthorized transactions arising from forgery or fraud by any of the Bank’s employees, agents or servants; or

(b) 银行或银行的雇员、代理人或员工的重大过失所引起的其他未授权交易。

Other unauthorized transactions arising from the default or gross negligence on the Bank’s part or on the part of any employees, agents or servants of the Bank.

7.4 即使客户未履行任何对帐单、通知书或确认书须客户签字确认并且寄回之要求，本条的前述规定对客户仍具约束力。 The foregoing provisions of this Clause shall be binding on the Customer notwithstanding any statement, advice or confirmation may call for signed acknowledgement and return by the Customer which the Customer has not so arranged.

8. 可结算资金Cleared Funds

所有的提款或投资只有在客户帐户中有足够及可结算的资金才可作出。如客户的资金不能结算，客户所作的任何提款或投资将由客户归还。客户同意银行在此基础上购入或贴现所有支票或汇票。

The Customer against cleared and sufficient funds in the Customer’s account may only make all withdrawals or investments. The Customer will repay any withdrawal or investment made by the Customer if the Customer’s funds are not cleared. The Customer agrees all checks or drafts will be purchased or discounted by the Bank on this basis.

9. 外币和涉外收入申报Foreign Currency and Reporting for Receipt from Abroad

9.1 银行可把任何款项转入任何帐户，或根据下述第12 条规定抵销任何帐户中的贷方结余（不论到期与否）用以支付客户的任何投资或结清客户的任何债务。如有关的帐户使用的是不同币种，银行可按银行适用的汇率将有关数额兑换成相应币种。 The Bank may transfer any amount to any account or, in accordance with Clause 12 below, set off any credit balance in any account

(whether matured or not) for making payment for any investment or for settling any of the Customer’s liabilities. If the relevant account is denominated in a different currency, the Bank may convert any relevant sum into the appropriate currency at the Bank’s applicable exchange rate.

9.2 如资金以外币形式被汇至另一个国家或在另一个国家支付，该资金将会按银行的往来行或代理行当时适用的通行买入汇率兑换成该国货币支付给收款人，但已事先作出其他安排的除外。

If funds are sent to or paid in a country in a foreign currency, the funds will be payable to the payee in the currency of that country at the prevailing buying rate of the Bank’s correspondent or agent unless other prior arrangements have been made.

9.3 若客户以人民币或其他外币兑换为投资币种投资于以该投资币种计价的产品，在将该投资币种转换回原有币种时，可能因汇率变动而遭受本金的损失，银行对该等损失不承担任何责任。

If the Customer invests in any product denominated in an investing currency by converting RMB or other foreign currency to such investing currency, the Customer may incur losses on its principal when converting such investing currency back to the original currency. The Bank shall not be held liable for such losses.

9.4 关于须向国家外汇管理局申报的涉外收入，客户有义务依据规定，在规定申报时效内完成申报。客户在此授权银行在相关法令许可的范围内，代表客户填写各项申报事宜，且银行根据进账单填写的申报单项下的各项内容，均视为已被客户确认和接受，并由客户承担申报结果。

For receipt from abroad, which must be reported to SAFE, the Customer has the responsibility to report within valid time. The Customer hereby authorizes the Bank to report on his/her behalf, to the extent permitted by the regulator, based on incoming message of receipt. The Customer acknowledges and confirms the content of the report and the Customer shall be liable for the report.

10. 收费及利息Fees and Interest

10.1 所有服务将按适用的中国法律规定以及银行届时有效的收费表收取费用，银行在客户要求时须向客户提供银行届时有效的收费表。银行向客户提供的所有贷款及授信服务均附带利息，且客户须就该等贷款及授信服务向银行缴交服务年费（如有）、定期最低还款数额以及（如逾期支付）逾期付款费或罚息，费率为银行按照有关的中国法律和法规就服务不时确定的费率。

All services will be charged in accordance with applicable law of China and the Bank’s then prevailing fee schedule and a prevailing fee schedule of the Bank is available to the Customer upon request. All loan and credit facilities extended by the Bank to the Customer shall carry interest and be subject to payment of annual service fee (if applicable), periodic minimum repayment amount and (in case of late payment) late charge or default interest in the Bank’s favour at the rates from time to time respectively fixed by the Bank for facilities in accordance with relevant laws and regulations of China.

10.2 根据客户的授权书，或客户与银行之间的约定或在适用的中国法律允许的情况下，银行可在任何帐户中扣除客户应支付的任何税项、费用、利息、逾期付款费、罚息、收费或开支。银行可将银行之费用或收费包括在银行向客户所报或为客户所办理的投资的价格或费率内，并保留该等费用或收费作为银行的收益。

In accordance with the Customer’s authorization letter or the agreement between the Customer and the Bank or as permitted under the applicable laws of China, the Bank may debit any account with the amount of any tax, fee, interest, late charge, default interest, charge or expense payable by the Customer. The Bank may also include the Bank’s fee or charge in the price or rate for the investment the Bank quotes to or transacts for the Customer and retains such fee or charge for the Bank’s benefit.

10.3 银行可就为客户办理的任何交易接受来自任何花旗集团机构或第三方的返还、付费及其他形式的付款，及为银行的利益保留上述款项。

The Bank may accept rebates, fees and other forms of payment from any Citigroup Organization or third party on any transaction effected for the Customer and retain the same for the Bank’s benefit.

10.4 银行为保留、保护或执行银行的权利而产生的全部成本和开支（包括律师费及为套期保值、冲抵交易或类似合同所发生的费用），经银行要求由客户给予补偿，适用的中国法律规定应由银行承担的除外。

All costs and expenses (including legal costs and costs for hedging, unwinding or similar contracts) incurred by the Bank in connection with the preservation, protection or enforcement of the Bank’s rights will be reimbursed by the Customer upon the Bank’s demand, except those to be borne by the Bank as provided by the applicable laws of China.

11. 税收 Taxes

11.1 客户根据本条款和条件或根据本条款和条件下交付的任何单据作出的任何支付（不论是本金、利息、费用或其他款项）应不受任何现行或将来的税收、征税、关税、减除、收费或预提税及所有有关的责任所影响或扣除，但对净收入征收的税收和美国及其任何政府部门的全部所得税及特许经营权税收除外（所有此等非除外税收统称为“税收”）。如果客户依法须从本条款和条件下的付款内作出任何该类扣除，

Any and all payments (whether of principal, interest, fee or otherwise) to be made by the Customer under these terms and conditions or under any instrument delivered hereunder shall be made free and clear of and without deduction for any present or future taxes, levies, imposts, deductions, charges, or withholdings, and all liabilities with respect thereto, excluding taxes imposed on net income and all income and franchise taxes of the United States and any political subdivisions thereof (all such non-excluded taxes hereinafter referred to as “Taxes”). If the Customer shall be required by law to make any such deduction from any payment hereunder,

(a) 客户应付的款项须增加，使得在作出所要求的扣除（包括对本条项下应付的额外款项的扣除）后，银行实际收到的数额等于在未作此等扣除的情况下银行应可收到的数额；

The sum payable by the Customer shall be increased as may be necessary so that after making all required deductions (including deductions applicable to additional sums payable under this Clause) the Bank receives an amount equal to the sum the Bank would have received had no such deductions been made;

(b) 客户须作出该类扣除；及

The Customer shall make such deductions; and

(c) 客户须按照适用的法律或法规（见24.3条定义），向有关税务当局或其他部门全数缴付扣除金额。

The Customer shall pay the full amount deducted to the relevant taxation authority or other authority in accordance with applicable Law or Regulation (as defined in Clause 24.3).

此外，客户同意支付因依本条款和条件作出付款或因签署、交付或登记本条款和条件下发出的单据或与之有关的其他事项而产生的现在或将来的任何印花税或就文件征收的税或任何其他消费税或财产税或收费或类似的征税（统称为“其他税项”）。

In addition, the Customer agrees to pay any present or future stamp or documentary taxes or any other excise or property taxes, charges or similar levies which arise from any payment made hereunder or from the execution, delivery or registration of, or otherwise with respect to, any instrument delivered hereunder (hereinafter referred to as “Other Taxes”).

11.2 客户将向银行全额补偿银行支付的税收或其他税项（包括任何司法管辖区对根据本条缴付的款项所征收的税收或其他税项）或其他因而产生之债务（包括罚金、利息及支出），不论此等税收或其他税项是否为正确或依法征收。本项补偿应在银行提出书面支付要求后的三十天内作出。

The Customer will indemnify the Bank for the full amount of Taxes or Other Taxes (including any Taxes or Other Taxes imposed by any jurisdiction on amounts payable under this Clause) paid by the Bank or any liability (including penalties, interest and expenses) arising therefrom or with respect thereto, whether or not such Taxes or Other Taxes were correctly or legally asserted. This indemnification shall be made within 30 days from the date the Bank makes written demand therefor.

11.3 在缴付税收或其他税项后的三十天内，客户将向银行提供收据的正本或经证实的副本证明该等付款。如果任何付款无须缴纳税收或其他税项，客户将向银行提交由适当的税务部门发出的证明书，或一份银行接受的专业顾问意见书，声明该付款免于或无须支付税收或其他税项。

Within 30 days after the date of any payment of Taxes or Other Taxes, the Customer will furnish to the Bank the original or certified copy of a receipt evidencing payment thereof. If no Taxes or Other Taxes are payable in respect of any payment, the Customer will furnish to the Bank a certificate from each appropriate taxing authority, or an opinion of counsel acceptable to the Bank, in either case stating that such payment is exempt from or not subject to Taxes or Other Taxes.

11.4 在客户缴付根据本条款和条件及按本条款和条件交付单据项下的全部本金和利息之后，客户的上述协议及义务应仍然存在。本条规定在本条款和条件项下不影响客户的其他协议和义务的存续。

Without prejudice to the survival of any of the Customer’s other agreements and obligations hereunder, the Customer’s above agreements and obligations shall survive the payment in full of principal and interest hereunder and under any instrument delivered hereunder.

12. 抵销权 Right of Set Off

12.1 客户同意除了银行在法律上拥有的权利外，银行可以在任何时间且无须事先通知客户，将客户的任何或所有帐户（不管在何处及为何目的在银行开立，也不论到期与否）与客户欠银行的债务合并，并将存放在客户任何帐户内的款项划付给银行，用以清偿或抵销客户欠银行的债务，无论该等债务是主债务还是担保债务，个别的还是连带的，还是以其他货币为单位。此外，如客户欠银行的债务是可能发生的或是将来的，银行可在为清偿上述债务所必需的范围内，暂停履行向客户支付帐户内任何款项的责任，直至该或然事件或未来事件发生为止。

The Customer agrees that in addition to rights to which the Bank may be entitled at law, the Bank may, at any time without prior notice, combine or consolidate any or all of the Customer’s accounts (wherever situate and maintained with the Bank for whatever purpose and whether matured or not) with the Customer’s liabilities to the Bank and set off or transfer any sum or sums standing to the credit of any of the Customer’s accounts in or towards satisfaction of the Customer’s liabilities to the Bank, whether such liabilities be primary, collateral, several, joint or in other currencies. Further, in so far as the Customer’s liabilities to the Bank is contingent or future, the Bank’s liability to the Customer to make payment of any sum standing to the credit of any of the Customer’s accounts shall to the extent necessary to cover such liabilities be suspended until the happening of the contingency or future event.

12.2 在适用的中国法律允许的范围内，客户放弃要求银行就任何联合、合并、抵销或划付发出通知的要求，并同意该等联合、合并、抵销或划付应在银行作出联合、合并、抵销或划付之日并自该日起生效。客户进一步同意，在适用的中国法律允许的范围内，放弃客户可能对银行享有的任何抵销权，并且，不限制本弃权的效力，客户同意在任何时间均不行使该类权利。

To the extent permitted by applicable law of China, the Customer waives the requirement for the Bank to give notice of any combination, consolidation, set-off or transfer and agree that such combination, consolidation, set-off or transfer shall take effect on and from the date on which it is made by the Bank. The Customer further agrees, to the extent permitted by applicable law of China, to waive any rights of set-off that the Customer may have against the Bank and, without limiting the effect of such waiver, not to exercise such rights at any time.

13. 投资资料与银行及银行雇员之立场Investment Information and Position of the Bank and Its Staff

客户请求银行就银行认为对客户可能有利的任何投资机会同客户联系。客户充分理解：

The Customer requests the Bank to contact the Customer on any investment opportunities that the Bank believes may be of interest to the Customer. The Customer fully understands that

(a) 银行并无义务向客户提供任何金融、市场或投资方面的资料、建议或推介，但如银行进行上述行为，银行亦并非以顾问身份行事；

The Bank is not obliged to provide the Customer with any financial, market or investment information, suggestion or recommendation, but if the Bank so acts, the Bank does not act as an adviser;

(b) 尽管来自银行认为可靠的渠道，该类资料、建议或推介仅供客户参考及使用，且不构成银行向客户出售该等投资的要约，银行并不就任何资料、建议或推介的准确性或完备性及客户收到后进行投资的回报或结果作出任何声明、承诺或保证，也不承担任何责任；

Such information, suggestion or recommendation, although based on sources believed by the Bank to be reliable, are for the Customer’s own use and consideration only and will not constitute the Bank’s offer to sell such investment to the Customer, and the Bank makes no representation, warranty or guarantee as to, and shall not be responsible for, their accuracy or completeness, or the performance or outcome of any investment made by the Customer after their receipt;

The Bank’s employees may be permitted to enter into investment and foreign exchange transactions on their own account, and in such event, the Bank will have a written policy communicated to the Bank’s employees for their compliance;

(d) 银行或银行的任何员工可依据前述（c）段规定为自身利益在任何时候与客户进行对盘交易。

The Bank or any of the Bank’s employees transacting on its or his own account under paragraph (c) above may at any time take an opposite position.

14. 责任限制与补偿Limitation of Liability and Indemnity

客户同意，除银行重大疏忽或故意的不当行为外，银行就本条款和条件中所述任何事宜采取或没有采取任何行动不承担责任且客户将就此向银行作出全额补偿，包括（但不限于）：

The Customer agrees that except in the case of the Bank’s gross negligence or wilful misconduct, the Bank will not be under and the Customer will fully indemnify the Bank against any liability for taking or omitting to take any action in relation to any matter herein including (but not limited to) the following:

(a) 银行按本条款和条件规定进行任何帐户的操作及提供投资、保管或其他服务；

The operation of any account and the Bank’s provision of investment, safekeeping or other services pursuant to the provisions hereof;

(b) 银行进行任何交易的能力因银行无法控制的原因或因素而受到限制或影响；

The Bank’s ability to account for any transaction is restricted or affected for any reason or cause beyond the Bank’s control;

(c) 在任何交易中任何经纪人、代理人、联络人、托管人或交易对方的作为或不作为（包括任何疏忽或违约）； Any actions or omissions (including any negligence or default) of any broker, agent, correspondent, custodian or counterparty involved in any transaction;

(d) 因任何传送或通讯设施，或外部结算系统的故障、迟延或中断而引起的任何损失或损害；

Any loss or damage caused by breakdown in or delay or failure of any transmission or communication facilities, or external clearing systems;

(e) 因税收、抵扣、预提税、关税或折旧、市场因素或任何银行无法控制的原因而导致客户的资金或投资无法提供或价值降低；

Any unavailability or diminution in the value of the Customer’s funds or investments due to taxes, deductions, withholdings, imposts or depreciation, market factors or any cause beyond the Bank’s control;

(f) 依据银行诚信地认为是客户或任何有权代表客户作出指示之人士用书面、口头、电话、传真或电子方式发出的指示而作出的行为，不管届时情势或交易性质，也不管发出或收取该等指示或该等指示的内容是否有错误、误解、欺诈、伪造或含糊之处。

Acting on any written, verbal, telephone, facsimile or electronic Instructions given by any person whom the Bank

believes in good faith to be the Customer or to have authority to give Instructions on the Customer’s behalf, regardless of the prevailing circumstances or the nature of the transaction and notwithstanding any error, misunderstanding,

fraud, forgery or lack of clarity in the giving, receipt or contents of such Instructions.

15. 联名帐户Joint Account

15.1 如任何帐户以一个以上的人的名义开立，则所有对“客户，客户的”提及应视为改变成“所有客户，所有客户的”，且客户的所有协议、权利和责任也相应地视为是连带的。

If any account is opened in the names of more than one person, then all references to “the Customer, the Customer’s” will be deemed to be changed to “the Customers, the Customers’” and all agreements, rights and liabilities on the Customer’s part shall accordingly be deemed to be joint and several.

15.2 银行如向客户之中任何一人发出通知，即已履行银行对客户的通知义务。在不影响银行对客户之中任何其他人的权利和补救的前提下，银行可对客户之中任何一人的债务进行和解或变更，或向客户之中任何一人解除担保或提供时间宽限、豁免或其他的宽免。

The Bank’s obligation to notify the Customer will be discharged if the Bank notifies any one of the Customers. Without affecting the Bank’s rights and remedies against any other of the Customers, the Bank may compound or vary the liability of, release any security to, or grant time, waiver or other indulgence to, any of the Customers.

15.3 联名帐户中的所有投资应视为由客户以共同及尚未分割份额的形式拥有。

All investments in a joint account will be deemed to be held by the Customers in joint and undivided shares.

15.4 在适用的中国法律法规允许的限度内，银行可将包括以客户之中一人或多人名义收取的支票或汇款在内的投资贷记入客户的帐户。

To the extent permitted by applicable laws and regulations of China, the Bank may credit the Customer’s account with investments including checks or remittances received in the name of any one or more of the Customers.

15.5 客户在此共同确认并同意，在任何时候，银行均不对客户相互之间因联名帐户而发生的任何争议而承担任何责任。 The Customers hereby jointly confirm and agree that the Bank shall at no time be liable for any dispute between the Customers arising out of the joint account.

15.6 客户同意如果客户（即帐户持有人）之中任何一个人死亡，则客户联名帐户和客户投资的余额将属于其余生存的帐户持有人，其余生存的帐户持有人可以处置该等余额，除非银行收到任何与该等余额处置相关的异议。尽管有上述规定，银行有权在任何时候暂停支付该等余额给任何帐户持有人直至银行收到有权机关（包括但不限于法院和公证处）对此等金额权属或处置作出书面决定。

The Customers agree that in the event of death of any one of the Customers (i.e., the accountholders), the balance in the Customers’ joint account and the Customers’ investments at the time of such death shall belong to the survivor(s) and may be disposed of by him/them unless the Bank received any objection from any party in this regard. Notwithstanding the above, the Bank is entitled to suspend the payment of any balance under the Customer’s joint account and the Customer’s investments to any of the Customers at any time till the Bank has received any written order made by a competent authority (including but not limited to a court and a notary public office) on the ownership or disposal of the balance.

16. 负债证明书Certificate of Indebtedness

任何由银行发出注明客户尚欠银行金额的证明书将是决定性的并对客户有约束力，除非有明显错误。

Any certificate issued by the Bank as to the amount at any time owing to the Bank by the Customer will be conclusive and binding upon the Customer save as manifest error.

17. 提供及披露资料Supply and Disclosure of Information

17.1 客户应向银行提供银行可能不时要求的该等信息并按照银行的要求不时更新该等信息，以使银行和花旗集团机构能够遵守任何法律或法规（见24.3条定义）。

The Customer shall provide the Bank with such information as the Bank may require from time to time, and shall update that information as required by the Bank from time to time, to enable the Citigroup Organization to comply with any Law or Regulation (as defined below).

17.2 客户明白，如客户未能就其所需的金融产品或服务提供银行所要求的资料，银行可能不能为客户提供任何服务。

The Customer understands that the Bank may not be able to provide any service to the Customer if the Customer fails to provide any information requested by the Bank.

17.3 客户兹授权银行可为向客户提供其所需的金融产品或服务之目的（包括但不限于为交易、数据处理、统计、税务要求、风险分析、信用监控、风险管理之目的）或为遵守任何法律或法规（见24.3条定义）之目的向以下各方（不论该方位于何处）以及该等各方选择的任何第三方（不论该等第三方位于何处）透露客户的任何个人及帐户资料或记录：

The Customer hereby authorizes the Bank to disclose the Customer’s personal and account information or records to any of the following parties (wherever situated) and any third parties (wherever situated) selected by any of the following parties for the purpose of providing required product or service (including, without limitation, for transaction, data processing, statistic, tax, risk analysis, credit monitor, risk management) or for compliance with any Law or Regulation (as defined in Clause 24.3).

(a) 任何花旗集团机构；

Any Citigroup Organization;

(b) 银行或银行的任何分支行或花旗集团机构的全部或任何部分资产或业务的实际或可能的参与人或次级参与人、受让人或继承人；

Any actual or proposed participant or sub-participant in, or transferee, assignee or successor of, all or any part of the assets or business of the Bank or any of the Bank’s branches or sub-branches or Citigroup Organizations;

Any party giving or proposing to provide a guarantee or third party security to secure the Customer’s obligations herein;

(d) 任何金融机构、交易对方、赊帐卡或信用卡发行公司、信用咨询服务机构、代理人、服务供应商、承包商或商户； Any financial institutions, counterparties, charge or credit card issuing companies, credit reference agencies, agents, service providers, contractors or merchants;

(e) 任何已经或将会与银行或收取该等数据的人建立业务关系的人士，不论此等个人及帐户资料或记录在何时或从何处取得。而上述人士或机构均可在其进行任何业务的过程中使用有关资料; 和

Any other person who has established or proposes to establish any business relationship with the Bank or recipient of such data, any of the Customer’s personal and account information or records collected at any time and from whatever source, and any such person or entity may utilize such information in the course of any business carried on by him or it; and

(f) 任何司法区域（本国或外国）内的任何有权的监管、检察、税务或政府机构或对银行或花旗集团机构有约束力的法律或法规（见24.3条定义）、法院、监管部门或法律程序所要求或允许的任何其他方。

Any competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign or any other

party as permitted or required by any Law or Regulation (as defined in Clause 24.3), court, regulator or legal process binding on Citigroup Organization.

银行将要求上述各方(i)仅为本17.3条之目的使用客户的任何个人及帐户资料或记录，并(ii)由上述各方确保其选择的任何第三方仅为本 17.3条之目的使用客户的任何个人及帐户资料或记录。如因上述各方和/或其选择的任何第三方非为本17.3条之目的使用客户的任何个人及帐户资料或记录而导致客户产生任何损失，银行对此不承担任何责任。

The Bank will require the aforementioned parties (i) to use the Customer’s personal and account information or records solely for the purpose of this Clause 17.3, and (ii) to ensure that any third parties selected by any of the aforementioned parties to use the Customer’s personal and account information or records solely for the purpose of this Clause 17.3. The Bank shall not be liable for any losses incurred by the Customer as a result of any aforementioned parties and/or any third parties selected by any of the aforementioned parties using the Customer’s personal and account information or records for purpose other than that indicated in this Clause 17.3.

18. 违约及终止Default and Termination

在不影响银行在上述第2.5 款项下权利的前提下，银行 1）在客户的任何帐户连续六（6）个月未发生任何收付活动或连续六（6）个月帐户余额为零的情况下；或 2）在客户违反本条款和条件任何条款或有关帐户管理的任何中国法律法规的情况下；或 3）在客户未能向银行提供上述第17.1条和第17.2条所述的信息或资料的情况下；或 4）为遵守任何法律或法规（见24.3条定义）的要求，银行无须任何通知即可：

Without prejudice to the Bank’s right under Clause 2.5 above, 1) in the event that any of the Customer’s account remains inactive for over six (6) months or remain zero balance for over six (6) months, or 2) in the event that the Customer fails to observe and comply with any terms hereof or any laws and regulations of China regarding the account management, or 3) in the event that the Customer fails to provide any information or materials mentioned in Clause 17.1 and 17.2, or 4)for compliance with the requirement of any Law or Regulation (as defined in Clause 24.3), the Bank may, without any notice:

（a）暂停、关闭或终止客户的相关帐户、金融产品或服务，届时客户对银行所负的债务，不管是主债务还是担保债务，个别的还是连带的，现在的、将来的还是可能发生的，均立即到期应付，而无须银行另行发出支付要求或通知，及/或

block, close or terminate the Customer’s relevant account, product or service, and the Customer’s liabilities to the Bank at that time, whether primary, collateral, several, joint, present, future or contingent, shall forthwith become due and payable, without any separate demand or notice by the Bank, and/or

（b）变现或出售银行认为合适的客户的投资数额或采取银行认为合适的和必要的任何行动来偿还或清算客户欠付银行的任何债务而无须对客户承担责任。客户在此不可撤销地授权银行代表客户行事，银行有权自行决定出售或清算客户投资的所有有关事项。

without any liability to the Customer, realize or sell so much of the Customer’s investments or take all such actions as the Bank may deem fit and necessary to repay or settle the Customer’s liabilities to the Bank. The Customer hereby irrevocably authorizes the Bank to act on the Customer’s behalf. The Bank is entitled to use the Bank’s discretion in all aspects on sale or liquidation of the Customer’s investments.

19. 转让 Assignment

银行可在任何时候通过向客户发出转让通知的方式，将其在本条款和条件项下的权利和/或义务转让给任何司法区域（本国或外国）内的任何其他实体/人士，客户同意该等转让通知可以银行自主酌情决定的任何书面形式作出，且该等转让无需另行取得客户的同意或批准。尽管有该等转让，本条款和条件将对客户继续有效，客户同意受并继续受本条款和条件的约束。未经银行书面同意，客户不得将其在本条款和条件项下的权利和/或义务转让给任何其他实体/人士。

The Bank may at any time assign or transfer any of its rights and/or obligations under these Terms and Conditions to any other entity/person in any jurisdiction, domestic or foreign, by giving a notice of the assignment or transfer to the Customer. The Customer agrees that the notice of assignment or transfer may be in any written form at the sole discretion of the Bank and no consent or approval from the Customer is required for such assignment or transfer. These Terms and Conditions will continue to be effective against the Customer, and the Customer agrees to be bound and continue to be bound by these Terms and Conditions notwithstanding such assignment or transfer. The Customer may not assign or transfer any of its rights and/or obligations hereunder to any other entity/person without the Bank’s written approval.

20. 利息 Interest

对于客户每日所欠的款项，银行可按不时规定的计息期、利率及支付时间收取利息。逾期款项由银行在中国法律允许的范围内按惯常罚息率计息并且按月计收复利。

Interest will be charged on the daily balance of any amount outstanding from the Customer at such intervals and rates and payable at such times as the Bank may specify from time to time. Overdue sums will carry interest at the Bank’s customary default rate to the extent permitted by the law of China and shall be compounded monthly.

21. 一般信贷规定General Credit Provisions

21.1 客户特此将客户现在和将来在下列各项中的所有权利、所有权及利益，质押给银行并给予银行第一优先担保利益： The Customer hereby pledges and grants to the Bank a first priority security interest in, all the Customer’s right, title and interest, present and future, in and to

(a) 所有现在或将来由客户个人或经由银行而享有的在客户任何帐户内的任何性质的所有存款（包括任何续期、延期或增加）、利益、款项及权利；及

All deposits of whatever nature (including any renewal, extension or addition), interests, sums and rights which the Customer individually or through the Bank may now or hereafter have in or to any of the Customer’s accounts; and

(b) 任何远期外汇合同及其收入，（(a)和(b)段中所述各项以下统称“个人资产”）作为对支付及清偿客户欠银行的所有现在及将来，共同或个别，直接或间接，实际或可能发生的债务的担保。

Any forward foreign exchange contracts and the proceeds thereof, (the items in (a) and (b) collectively, the “Individual Assets”) as security for the payment and discharge of all the Customer’s present and future, joint or several, direct or indirect, actual or contingent, liabilities to the Bank.

本担保是对客户不时欠银行的债务的最终余额的持续性担保，附加于且不会损害或影响银行现在或将来持有的任何其他抵押、权利、保证、留置权、文件或其他担保，也不会与前述各项合并。

This security shall be a continuing security securing the ultimate balance of the Customer’s liabilities from time to time owing to the Bank and is in addition to and shall not merge with or otherwise prejudice or affect any other collateral, rights, guarantees, liens, documents or other securities now or hereafter held by the Bank.

客户进一步同意，在客户清偿客户欠银行的全部债务之前，客户现在和将来抵押给银行的所有房地产产权协议及证书、及现在或将来任何时候不论是明确为了作为抵押品、安全保管或其他原因而存放在银行的所有股票、股份和其他可出售的证券（不论是否在客户名下及客户是否拥有权益）（以下统称“证券”）及上述各项的收益均质押给银行，作为对客户欠付银行的全部债务（包括所有利息、收费、开支及银行支付的律师费）的支付的持续性担保。客户进一步授权银行收取所有现在或今后就任何证券所得之利息、股息及红利。客户进一步同意，银行无须为客户或任何证券所遭受的任何损失或损害（不论由谁及因何引起）而承担任何责任。客户进一步同意，客户应根据银行的要求随时在客户拥有的资产或部分资产上设置担保或提供或安排提供担保，作为对客户随时欠付银行的全部债务的担保。

The Customer further agrees that until payment in full of all the Customer’s liabilities to the Bank, all title deeds and documents of title in relation to land property now or at any time hereafter mortgaged to the Bank by the Customer and all stocks, shares and other marketable securities whether or not in the Customer’s name or in which the Customer has any interest, now or at any time hereafter deposited with the Bank, whether for the express purpose as collateral security, or for safe custody or for any other purpose (hereinafter collectively referred to as “the Securities”) and their proceeds are pledged and shall remain so pledged to the Bank as a continuing security for the payment of all the Customer’s liabilities to the Bank including all interests, charges, costs and fees for legal services paid by the Bank. The Customer further authorizes the Bank to collect all interests, dividends and bonuses now or hereafter payable in respect of any of the Securities. The Customer further agrees that the Bank shall not be answerable or responsible for any loss or damage whatsoever and howsoever caused which the Customer or any of the Securities may suffer. The Customer further agrees that the Customer shall at the Bank’s request from time to time, create any security interest on any assets or part of assets owned by the Customer as the security for all the Customer’s liabilities from time to time owing to the Bank.

客户特此不可撤销地指定银行担任客户的代理人，全权代表客户、以客户名义或以其他方式不时采取任何行动及签署任何银行认为需要或适当的文件和/或提交该等文件供审批、登记或备案，以达成本条之目的，该等文件包括但不限于存款所在司法管辖区的有效适用的中国法律法规所要求的任何有关完善本条所设担保利益的适当或必要的文件。

The Customer hereby irrevocably appoints the Bank to be the Customer’s attorney, with full authority in the Customer’s place and stead and in the Customer’s name or otherwise, from time to time to take any action and to execute and/or submit for approval, registration or filing any document which the Bank may deem necessary or advisable to accomplish the purposes hereof, including, without limitation, any documents under any applicable laws and regulations of China as in effect in any of the jurisdictions where deposits may be made, as desirable or necessary to perfect the security interests hereby created.

21.2 在客户欠付银行任何债务期间，客户不会将个人资产的任何部分用来抵押、出让、出售、转让、质押或以其他方式处理或者向第三方赋予权利或导致第三方拥有权利，上述资产将会被再投资于银行所指定的各类存款中。

The Customer shall not, for any period during which the Customer has any liabilities to the Bank, charge, assign, sell, transfer, pledge or otherwise deal with or grant or suffer to arise any third party rights over or against any part of the Individual Assets which shall be reinvested in such deposit options as specified by the Bank.

如银行收到客户以另一种货币偿还客户任何债务的款项，该笔款项仅偿付了银行在收到该货币款项后的第一个营业日按惯常银行程序以该等货币金额所能购买到的债务货币的金额。如所购入的货币金额小于客户债务金额，即使法院有判决，作为一项独立的义务，客户应对银行遭受的任何损失给予补偿。

The receipt by the Bank of any of the Customer’s liabilities in a different currency shall discharge such liabilities only to the extent that, on the first day on which the Bank is open for business immediately following such receipt, the Bank shall be able, in accordance with normal banking procedures, to purchase the currency of the liabilities with the currency received. If the amount of the currency so purchased shall be less than the amount of the Customer’s liabilities, the Customer shall, as a separate obligation and notwithstanding any judgment of any court, indemnify the Bank against any loss sustained by the Bank.

银行并无义务采取本第21 条所述任何行动。银行在任何时候可自行决定放弃银行对有关客户的债务的任何特定担保所享有的权利，但不会以任何方式影响或损害银行在本第21条中的任何权利。

The Bank shall not be obligated to take any action herein described. The Bank may at the Bank’s discretion at any time relinquish the

Bank’s rights as to any particular security given in respect of the Customer’s liabilities without in any way affecting or prejudicing any of the Bank’s rights hereunder.

22. 支付义务Payment Obligations

22.1 在遵守中国法律 (包括任何政府行为、命令、裁定和法规) 的前提下，本条款和条件项下的所有支付义务应仅由客户开立帐户的具体分/支行承担。

All obligations hereunder are payable solely at and by the specific branch/sub-branch where the Customer’s account is held, subject to the laws of China (including any governmental actions, orders, decrees and regulations).

23. 预提税 Withholding Tax

23.1 客户同意，银行或花旗集团机构或其各自第三方服务提供商（见24.5条定义）有权不时根据适用的法律或法规（见24.3条定义）的要求对向客户支付的或来自或付至客户账户或任何账户的款项作出任何税收或其他方面的预提或扣减（包括对利息征收的所得税，合称为“预提款”）。银行或花旗集团机构或其各自第三方服务提供商有权根据法律或法规（见24.3条定义）的要求将任何预提款及时缴付至任何司法区域（本国或外国）内有权的监管、检察、税务或政府机构，并就该等缴付在合理可行的情形下尽快通知客户。客户认可银行将不会就经由任何支付基础设施提供商（见24.4条定义）预提或扣减的款项补偿客户。此外，在银行或任何花旗集团机构或任何其第三方服务提供商已经或将要以其自身资金向任何司法区域（本国或外国）内有权的监管、检察、税务或政府机构支付任何应由客户缴纳的预提款的范围内，客户应补偿该等支付的款项（包括任何附带的利息或罚款）。客户理解银行无需对任何司法区域（本国或外国）内有权的监管、检察、税务或政府机构的该等缴付要求进行抗辩。

The Customer agrees that the Bank or the Citigroup Organizations or Bank’s or their Third Party Service Providers (as defined in Clause 24.5) is entitled, at any time, to withhold any tax or levies in respect of any payment made to the Customer, or to or from the Customer’s account or any account (including interest income tax, together “Withholding Amount”) in accordance with applicable Law or Regulation (as defined in Clause 24.3). The Bank or the Citigroup Organizations or Bank’s or their Third Party Service Providers has the right to timely pay the Withholding Amount to any competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign, in accordance with the requirement of Law and Regulation (as defined in Clause 24.3), and notify the Customer of such payment as soon as reasonably practicable. The Customer acknowledges that the Bank will not reimburse the Customer for any amount withheld or deducted through a Payment Infrastructure Provider (as defined in Clause 24.4). Further, to the extent the Bank or any Citigroup Organization or any of its and their Third Party Service Providers pays or has paid or will pay from its own funds to a competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign, in respect of a Withholding Amount which should have been paid by the Customer, the Customer shall indemnify the Bank for such payment, plus any interest and penalties thereon. The Customer understands that the Bank is not required to contest any demand made by a competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign, for such payment.

24. 其他 Miscellaneous

24.1 本条款和条件中，“客户”指银行的客户，即在银行设立帐户的持有人，并包括一个或一个以上的个人。

“Customer” in this Terms and Conditions refers to a client of the Bank, being holder of the accounts maintained with the Bank and including one or more individuals.

24.2 本条款和条件中，“银行”指客户开立帐户的花旗银行(中国)有限公司的具体分/支行。

“Bank” in this Terms and Conditions refers to the specific branch/sub-branch of Citibank （China） Co., Ltd. where the Customer opened an account.

24. 3 本条款和条件中，“法律或法规”指任何司法区域（本国或外国）内的法律或法规或与任何司法区域（本国或外国）内的任何有权的监管、检察、税务或政府机构订立的或该等机构之间订立的任何协议。

"Law or Regulation" in this Terms and Conditions refers to the law or regulation of any jurisdiction, domestic or foreign, or any agreement entered into with or between any competent regulatory, prosecuting, tax or governmental authority in any jurisdiction, domestic or foreign.

24. 4 本条款和条件中，“支付基础设施提供商”指构成全球支付系统基础设施的一部分的第三方，包括但不限于清算或支付系统、中间行和代理行。

“Payment Infrastructure Provider” in this Terms and Conditions refers to a third party that forms part of the global payment system infrastructure, including without limitation communications, clearing or payment systems, intermediary banks and correspondent banks.

24.5 本条款和条件中，“第三方服务提供商”指银行或花旗集团机构或其管理人员、董事、员工、代理人、代表、专业顾问或第三方服务提供商选择的向其提供服务的、非支付基础设施提供商的第三方。第三方服务提供商的例子包括技术服务提供商、业务流程外包服务提供商和呼叫中心服务提供商。

“Third Party Service Provider” in this Terms and Conditions refers to a third party selected by Citigroup Organization or its officers, directors, employees, agents, representatives, professional consultants or Third Party Service Providers to provide services to it and who is not a Payment Infrastructure Provider. Examples of Third Party Service Providers include technology service providers, business process outsourcing service providers and call centre service providers.

24.6 除文意另有规定外，本条款和条件使用的单数应包括了复数，反之亦然；表示一种性别的词语应包括了各种性别。

As used here, the singular or plural number shall each include the other and words importing a gender shall include every gender unless the context otherwise indicates.

24.7 每一项交易或与其有关的投资或金融工具应受其所在司法管辖区的法律管辖，同时也受所有有关政府及其他监管部门及机构（包括，如适用，有关期权交易、交易所或市场）的规则、规定、守则及政策（如有）的制约。在进行交易过程中，客户承诺遵守客户住所地所在司法管辖区和/或交易或与交易有关的投资或金融工具所在司法管辖区所有适用的（包括但不限于有关任何税务、外汇或资本管制，支付、申报或备案）的法律、法规及规则，并采取（无论是银行要求的或其他）一切行动使银行得以遵守所有适用的法律、法规及规则。

Each transaction or its underlying investment or instrument shall be subject to the laws of the jurisdiction where it is made or located and also the rules, regulations, codes and policies of all relevant governmental and other regulatory bodies and agencies, including applicable options, exchanges or markets, if any. In undertaking any transaction, the Customer undertakes to comply with, and to take all action (either at the Bank’s request or otherwise) to enable the Bank to comply with, all of the applicable laws, regulations and rules (with respect to, including, without limitation, any tax, foreign exchange or capital controls, payment, reporting or filing requirements) of jurisdiction of Customer’s citizenship, domicile or residence and/or where the transaction or its underlying investment or instrument being made or located.

24.8 银行有权变更本条款和条件中的任何条款。若银行变更或修改本条款与条件的，银行将通知客户。若客户在通知送达后的30天内没有要求提前终止本条款和条件或关闭现有帐户的，视为客户已经同意并接受该等修改的条款和条件，在此种情况下，银行无须收到客户的签字确认回执。

The Bank may change any term hereof. If the Bank changes or revises this terms and conditions, the Bank will notify the Customer. If the Customer fails to request early termination of these terms and conditions or close the existing account within 30 days after receipt of such notification, it will be deemed that the Customer has consented to and accepted such revised terms and conditions and in such circumstance, the Bank is not required to receive the signed acknowledgement from the Customer.

24.9 银行不会就银行提供给客户的任何金融产品或服务提供任何法律、税务或会计意见。客户应负责将客户在银行的投资、存款或其他合同申报或满足任何司法管辖区的其他要求。

The Bank will not give any legal, tax or accounting advice to the Customer regarding any of the Bank’s products and services provided to the Customer. The Customer shall be responsible for any filing or other requirements of any jurisdiction relating to any of the Customer’s investments, deposits or other contracts with the Bank.

24.10 客户在此特别授权银行依据适用的中国法律法规的规定并在中国法律允许的范围内向相关的政府机构办理与客户的投资、存款或其他合同相关的申报、备案或其他手续，包括但不限于向有关的外汇管理局办理国际支付申报手续。为前述目的，客户将向银行提供该等申报、备案或手续所必须的足够信息，并对该等信息的真实性承担全部责任。银行应对客户提供的申报信息实行严格保密制度。

The Customer hereby specially authorizes the Bank to declare, file or complete other procedures in relation to the Customer’s investment, deposit or other contract with relevant governmental authorities in accordance with provisions of applicable laws and regulations of China and to the extent permitted by the law of China, which includes the completion of the declaration of international payment with relevant SAFE. For above purpose, the Customer will provide to the Bank with sufficient information necessary for such declaration, filing or procedures and shall be responsible for the authenticity of such information. The Bank shall strictly keep confidential the Customer’s declaration information.

24.11 若客户授权银行根据本条款和条件或任何补充文件以客户的名义为银行的利益行事，银行有权，但无义务，如此行事。

Where the Customer authorizes the Bank to act on the Customer’s behalf for the Bank’s interest and benefit under these terms and conditions or any Supplementary Document, the Bank shall have the right but not the obligation to do so.

24.12 银行不应被视为已作出弃权，除非该弃权以书面形式作出。银行在执行本条款和条件中规定的任何条件或条款时所作出的任何宽限、容忍、延迟或延期，或银行给予客户的时间宽限，将不会损害、影响或限制银行的权利及权力。对任何违约放弃追究也不会构成对任何日后的违约放弃追究。本条所载银行的权利和补救为累计的，且不排除中国法律规定的任何其他权利或补救。

The Bank shall not be deemed as having given a waiver unless such waiver is given in writing. No relaxation, forbearance, delay or indulgence by the Bank in enforcing any of the terms and conditions hereof or the granting of any time by the Bank to the Customer shall prejudice, affect or restrict the Bank’s rights and powers nor shall any waiver of any breach operate as a waiver of any subsequent breach. The Bank’s rights and remedies herein provided are cumulative and not exclusive of any other rights or remedies provided by the law of China.

24.13 如客户提供给银行的数据或资料有任何变更，客户应尽快以书面形式将该等变更通知银行。

Should there be any change to the Customer’s information or data which the Customer has provided to the Bank, the Customer shall notify the Bank in writing of such change as soon as possible.

24.14 如本条款和条件的任何条款被任何适用的中国法律认定为无效、非法或不可执行，不应影响本条款和条件其他条款的效力，也不应影响该条款根据任何其他司法管辖区的法律具有的合法性和可执行性。

If any provision hereof is void, illegal or unenforceable by any applicable law of China to which it is subject, it shall not affect the remaining provisions hereof, and it shall not affect the legality and enforceability of that provision under the law of any other jurisdiction.

24.15 除非另有相反的明确规定，本条款和条件适用中国法律。客户在此不可撤销地接受中国法院的管辖并放弃使客户及客户财产免于法律诉讼的豁免权。

Subject to any express provision herein to the contrary, the law in effect from time to time in China governs these terms and conditions. The Customer hereby irrevocably submits to the jurisdiction of the Chinese Courts and waives any immunity from legal process in respect of the Customer itself and the Customer’s assets.

24.16 本条款和条件以中英文书就。若有不一致，以中文版为准。

These Terms and Conditions are written in both Chinese and English. In case of discrepancies, the Chinese version shall prevail.

金融产品及服务(限于适用的中国法律下银行可提供的产品和服务)

PRODUCTS AND SERVICES (SUBJECT TO AVAILABILITY UNDER APPLICABLE LAW OF CHINA)

以下部分概述了银行在符合适用的中国法律及法规的前提下可提供的金融产品和服务。银行可不时向客户介绍其他的金融产品及服务，即使客户并未书面确认适用于该类金融产品及服务的附加条款，银行仍可允许客户使用该类金融产品及服务。任何情况下，除本条款和条件之外，客户使用的任何金融产品及服务将受下列适用条款及其各自的附加条款和条件约束：

The following sections outline some of the products and services, which may subject to the Bank’s availability and compliance with applicable laws and regulations of China be offered by the Bank. The Bank may from time to time introduce other products and services to the Customer, and the Bank may allow the Customer to utilise the same even if the Customer does not provide the Bank with a written acknowledgement of any additional terms and conditions governing such products and services. In any event, any products and services utilized by the Customer will be subject to, in addition to the Terms and Conditions, the terms set out in the following relevant sections insofar as they are applicable and their respective additional terms and conditions:

25. 支票及活期储蓄帐户Checking and Savings Accounts

25.1 客户同意遵守印制在支票薄或存折上的有关操作支票或存折储蓄帐户的所有规定或条款，并把所有支票薄及存折锁好保存。

The Customer agrees to observe all rules or terms printed on a checkbook or passbook on the operation of a checking or passbook savings account and keep all checkbooks and passbooks under lock.

25.2 如支票据称由客户以前之授权签字人签署，且日期早于客户发出变更授权签字人的指示完全生效及被银行记录的时间，则银行可接受或承兑该等支票。

The Bank may accept or pay any check which bears a date earlier than the time when the Customer’s Instruction to change the Customer’s authorized signatories is fully effected and recorded by the Bank and which purports to be signed by the Customer’s previous authorized signatories.

25.3 在丢失存折的情况下，即使客户的授权书规定须由签字人共同签署，银行可按单个授权签字人的指示关闭帐户。

In case of a loss of passbook, the Bank may close the account upon the Instruction of a single authorized signatory although the Customer’s mandate may have provided for joint signatories.

25.4 客户同意遵守结算帐户和储蓄账户的所有规定或条款。

The Customer agrees to observe all rules or terms applicable to the Settlement Accounts and the Saving Accounts.

26. 通知及定期存款Call and Time Deposits

26.1 通知及定期存款可在银行存放。每次存款的具体条款和条件（包括利率、存款期限、币种及任何预定兑换率）应在其设立之时由双方约定

Call and time deposits may be placed with the Bank. Precise terms and conditions for each deposit including interest rate, tenor, type of currency and any pre-determined exchange rate will be agreed at the time of its set-up.

26.2 如银行未收到客户续延或提取任何通知或定期存款的指示，银行可依据适用的中国法律、法规和规定处理存款之本息。

If the Bank does not receive from the Customer any Instruction for renewal or withdrawal of any call or time deposit, the Bank may dispose the principal as well as the interest accrued in accordance with the applicable laws and rules of China.

26.3 定期存款在到期前不能提取或终止。如银行同意在到期前终止，客户同意银行可自行决定将原约定的定期存款利率变为当时适用的活期存款利率。

A time deposit may not be withdrawn or terminated prior to maturity. If the Bank consents to pre-mature termination, the Customer agrees the Bank may at the Bank’s sole discretion change the original agreed interest rate for time deposit into the prevailing interest rate for current account.

27. 步步高定期存款 Step-Up Time Deposit

27.1 步步高定期存款可在银行存放。每次存款的具体条款和条件（包括利率、存款期限、币种及任何预定兑换率）应在其设立之时由双方约定。

Step-Up Time Deposit may be placed with the Bank. Precise terms and conditions for each deposit including interest rate, tenor, type of currency and any pre-determined exchange rate will be agreed at the time of its set-up.

27.2 银行将在每个计息期间的到期日将该计息期间的存款利息划入相应的活期存款帐户。

The Bank will credit the interest accrued in the interest-bearing period thereon to the relative savings account on Maturity Date of each respective interest-bearing period.

27.3 在每个计息期间，若客户提前终止该帐户，则所提前终止的存款将以提前终止日的活期存款年利率按该计息期间内实际存款天数计算存款利息。该帐户不允许提前部分支取。

For early termination, savings deposit interest rate of the termination day will be applicable. The withdrawn amount together with the accrued interest calculated based on the actual deposit days elapsed will be credited to the Customer’s savings account. Partial withdrawal is not allowed.

27.4 步步高定期存款不允许自动转存。银行在该帐户到期日将本金和利息直接划入客户相应的活期存款帐户。

Auto rollover is not allowed for Step-Up Time Deposit. On maturity date, the Bank will credit the principal together with the interest accrued thereon to Customer’s savings account.

28. 活利帐户 Flexible Time Deposit

28.1 活利帐户可在银行存放。每次存款的具体条款和条件（包括利率、存款期限、币种及任何预定兑换率）应在其设立之时由双方约定。

Flexible Time Deposit may be placed with the Bank. Precise terms and conditions for each deposit including interest rate, tenor, type of currency and any pre-determined exchange rate will be agreed at the time of its set-up.

28.2 活利帐户开立日起的第前一个月内，客户不得提前终止该活利帐户或部分支取其中存款。

Early termination of the FTD Account or partial withdrawal therefrom is not allowed within the first 1 month after the start date of the Flexible Time Deposit Account.

28.3 活利帐户开立日起的一个月后，若客户提前终止该帐户或部分支取其中存款，则所支取的存款将以开户时所约定的提前支取年利率按实际存款天数计算存款利息。

For early termination or partial withdrawal after a minimum tenure of 1 month, the pre-termination interest rate as agreed at the time of its set-up will be applicable to the withdrawn amount.

28.4 活利帐户不允许自动转存。银行在该帐户到期日将本金和利息直接划入客户相应的活期存款帐户。

Auto rollover is not allowed for Flexible Time Deposit. On maturity date, the Bank will credit the principal together with the interest accrued thereon to the Customer’s savings account.

29. 多种货币及多功能帐户Multicurrency and Multi-function Account

存款

Deposit

29.1 本帐户（现称为“货币理财组合帐户”）能使客户获得可由银行不时提供的存款选择和其他帐户服务。

This account (presently called “Currency Manager”) enables the Customer to have access to deposit options and other account services which the Bank may from time to time make available.

29.2 在适用的中国法律及法规允许的情况下，有关货币理财组合帐户的通知或定期存款可设在中国。

Subject to applicable laws and regulations of China, call or time deposits relating to the Currency Manager may be located in China.

29.3 除银行分/支行已公布的可提供现钞存取的币种外，客户同意并确认客户在银行开立的其它外币现钞帐户将仅用于客户在银行用所提供现钞币种进行外汇交易或开立优利帐户之目的，不会用于该等现钞的存取，且银行也无任何义务就该等帐户向客户提供该等币种的现钞存取业务。在任何情况下，客户确需提取现钞，客户将仅用该等帐户中相应币种转换为银行所提供现钞存取的币种后提取。

The Customer agrees and confirm that any Notes Account the Customer opened with the Bank, except in those currencies publicly announced by the Bank’s branches and sub-branches to be available for notes deposit and withdrawal, shall be used for the Customer’s conducting of foreign exchange trade or opening of Premium Account with the Bank only and will not be used for the deposit or withdrawal of notes through these accounts. In addition, the Bank will have no obligation to provide the Customer with notes deposit or withdrawal services through such accounts. In the event that the Customer really has the need to withdraw notes, the Customer will only convert the corresponding currency into a currency which the Bank offers notes deposit or withdrawal services before the Customer’s withdrawal of notes.

30. 信贷服务Credit Facilities

银行可视情况为客户提供信贷服务，包括但不限于贷款、第三方保证、信用证、贸易或其他银行服务，均受银行与客户另行签订的相关协议条款约束。

Subject to availability, the Bank may make available to the Customer Credit Facilities including, without limitation, loans, third party guarantees, letters of credit, trading or other banking facilities which may be subject to the terms of the separate agreement between the Bank and the Customer.

31. 保管箱出租Lease of Safe Deposit Box

31.1 银行可视乎情况向客户提供出租银行保险库的保管箱。具体租用保管箱的条款和条件由银行与客户单独订立协议约定。

The Bank may, subject to the Bank’s availability, offer the Customer to lease from the Bank any safe in the Bank’s vault. The specific terms and conditions governing the lease of safe shall be agreed by separate agreement between the Bank and the Customer.

32. 优利帐户、市场挂钩帐户及其他结构性投资产品Premium Account, Market Linked Account and Other Structured Investment Products

32.1 银行可视乎情况不时向客户提供优利帐户、市场挂钩帐户和/或其他结构性投资产品。优利帐户、市场挂钩帐户和/或其他结构性投资产品的具体条款和条件由银行与客户单独订立协议约定。

The Bank may, subject to availability, offer to the Customer Premium Account, Market Linked Account and/or other structured investment products from time to time. The specific terms and conditions governing the Premium Account, the Market Linked Account and/or other structured investment products shall be agreed by separate agreement between the Bank and the Customer.

33. 电话银行服务Telephone Banking Services

33.1 客户了解并同意：若正确输入客户的电话银行密码，任何人即可通过电话来进行与客户及客户帐户相关的各种银行允许的操作及交易（包括但不限于资金划转、地址变更等）。客户进一步同意除该电话银行密码外，银行无任何义务并无需对客户身份进一步做出任何形式的核实或确认。

The Customer understands and agrees that with the correct input of the Customer’s T-PIN, anyone can make permitted operations and transactions related to the Customer and the Customer’s account (including but not limited to fund transfer to third party and change of the Customer address), and the Customer further agrees that the Bank is by no means obliged or need to further check and verify the Customer’s identity in any form other than T-PIN.

33.2 客户理解使用电话银行密码来进行与客户及客户帐户相关的各种操作及交易，将增加错误、安全和隐私及欺诈等风险。客户充分了解上述风险，但客户仍希望使用电话银行密码并愿意接受相关风险。客户承诺将始终合理设置、妥善保管、经常更换并正确使用电话银行密码，并在任何情况下均不应向任何第三方泄露。

The Customer understands that the use of T-PIN for operations and transactions related to the Customer and the Customer’s account is at an increased risk of errors, breach of security and privacy and fraudulent activities. The Customer has fully been aware of such risks and nevertheless wishes to use T-PIN and accepts all associated risks. The Customer undertakes to properly set, safely keep, frequently change and correctly use T-PIN always, and shall not release to any third party under any circumstances.

33.3 客户确认任何使用电话银行密码进行的各项操作或交易均视为客户客户的行为，客户亦确认产生的相应电子及电话录音记录均为相关银行业务的有效凭据。客户承诺受各项操作或交易约束并同意补偿银行因执行该等交易和操作产生的任何损失、成本和费用。

The Customer acknowledges that any operation or transaction made by using T-PIN shall be deemed to be made by the Customer himself/herself, and the electronic and phone records shall be the valid evidences of related business. The Customer undertakes to be bound by any such operations or transactions and to indemnify the Bank against any loss, damages, costs and fees it suffer from the execution of such operation or transaction.

33.4 客户确认银行有权拒绝执行超过限额或向未预先登记的收款人进行的操作及交易并无需就该等拒绝给予客户任何通知。

The Customer acknowledges that the Bank is entitled to reject any operation or transaction application exceeding pre-set daily amount limit or made with non-pre-registered beneficiaries, and the Bank does not need to give any notice to the Customer regarding such rejections.

33.5 客户可以随时通过拨打电话银行热线000-000-0000 或者到分支行重设或取消电话银行密码。

The Customer may at any time reset or cancel T-PIN by either dialing Citiphone 000-000-0000 or come visit branch or sub-Branch.

33.6 银行对因任何原因导致的未完成任何操作或交易均不承担任何责任。客户了解电话银行及电话银行密码只是银行提供的服务方式之一，银行并不限制客户通过提供同类服务的其他渠道进行交易。无论何种原因造成无法通过电话银行或电话银行密码进行操作或交易，客户可选择银行提供的网点柜面、自助设备等其他服务途径，亦可直接与银行相关人员进行联系。

The Bank shall not be held liable for any uncompleted operation or transaction for any reasons. The Customer understands telephone banking and T-PIN is one of the service methods provided by the Bank, and the Bank does not limit the Customer to make operations and transactions by way of other service methods alike. In the event that any operation or transaction cannot be made by phone-banking or TPIN, the Customer can choose other service methods such as bank counter, self-service device or contact directly with the Bank’s staffs.

34. 网上银行服务Online Banking Services

34.1 有关于花旗银行网上银行和掌上银行的条件与条款置于我行网上银行注册界面。客户在激活网上银行及掌上银行前应认真阅读并接受我行置于网上的花旗网上银行及掌上银行服务条款和条件。客户接受我行置于网上的花旗网上银行及掌上银行服务条款和条件是客户开通该等服务的前提条件。

Citibank Online Banking and Mobile Banking Terms and Conditions are on the registration session of online banking. Customer should read and accept the Online version of the Terms and Conditions for Citibank Online Banking and Mobile Banking before activate these two services. Customer’s acceptance of the Online version of the Terms and Conditions for Citibank Online Banking and Mobile Banking is the precondition for activation of such services.

34.2 客户激活网上银行及掌上银行即同时包括自助转账功能。客户在使用网上银行及掌上银行自助转账的时候，应确认并且知晓使用网上银行及掌上银行的风险并且愿意承担相应风险。

Self Service Fund Transfer function will be opened simultaneously after the customer activates Online Banking and Mobile Banking. Customer using Online Banking and Mobile Banking services shall acknowledge the risks and be willing to take the risks associated with the transactions conducted via Online Banking and Mobile Banking services.

34.3 客户应当妥善保管本人的电脑、手机等相关设备和网上银行及掌上银行相关信息（包括登录用户名, 登录密码，借记卡和密码以及账号等），并对通过以上信息进入网上银行及掌上银行完成的交易负责。

Customer is responsible for safe keeping his/her computer, mobile phone, other related devices and e- Banking related information appropriately (including Online Banking and Mobile Banking user ID & password; Debit Card & Password and the account number). Customer shall be liable for all transactions conducted through the Online Banking and Mobile Banking channels accessed by using the above Online Banking and Mobile Banking information.

34.4 更多网络安全提示，xxxxxxxxxxxx.xxxxxxxx.xxx.xx“网上安全”页面查阅详情。

For more Internet Security Notice, please log on Citibank Online Banking and Mobile Banking to view details.

35. 花旗传真银行服务 CitiFax Banking Service

35.1 客户理解使用传真指示来进行资金划转或其他与客户及客户帐户相关的各种银行交易，将增加错误、安全和隐私及欺诈的风险。尽管有上述风险，但客户还是希望使用传真方式并愿意接受相关风险，客户同意：只要银行收到的传真指示上的签字与客户在银行留存的签字样本相似，则不论该等传真指示是否确实由客户或其授权人签署，客户均愿意受该等指示/申请的约束。

The Customer understands that the use of Fax Instructions for funds transfers or various other banking transactions related to the Customer and the Customer’s account is at an increased risk of errors, breach of security and privacy and fraudulent activities. The Customer nevertheless wishes to use fax and accepts all associated risks and agrees to be bound by Fax Instructions whether or not actually signed by the Customer or his/her authorized signatory, provided that such Fax Instructions bears signature resembling the signature specimen Customer recorded with the Bank.

35.2 对于客户向银行发送的任何传真指示，客户同意银行可以（但无义务）采取以下的一项或几项安全程序进行操作。

For all Fax Instructions, the Customer agrees that the Bank may (but not obligated to) take one or more security procedures as listed below to operate the Fax Instructions.

(a) 对传真指示设定一个日交易限额，银行有权不处理超过银行日交易限额的传真指示。

To set a daily limit for Fax Instructions and the Bank is entitled not to process any Fax Instructions over such daily limit.

(b) 根据交易性质、交易数额和传真指示信息的完整性、准确性和充分性对传真指示有选择的进行回电确认，对于需回电确认的传真指示，在获得确认前，银行有权不予执行。

To confirm Fax Instructions by telephone callback on selective basis according to the transaction nature, transaction amount, completeness, accuracy and adequacy of the information contained in the Fax Instructions and the Bank is entitled not to

process those Fax Instructions need to call back until they are confirmed by call back.

To request Fax Instructions be sent in Bank’s standard form and the Bank is entitled not to process any Fax Instructions sent in non-Bank issued standard forms.

(d) 要求向银行不时指定的传真号码发送传真划款指示, 银行有权不处理从非指定传真机收到的传真划款指示。

To request Fax Instructions be transmitted to the fax number designated by the Bank from time to time. The Bank shall not process any Fax FT Instructions received at non-designated fax machines.

(e) 要求客户在规定期限内将原件提供给银行。如果银行在该等期限内未能从客户收到传真划款指示原件，则银行有权自行决定不再执行客户的任何传真指示并无义务就该等拒绝接受给予客户任何通知。

To request the Customer provide the original instructions to the Bank within certain days. If the Bank fails to receive corresponding original within such period, the Bank may, at its sole discretion, refuse to act on any Fax Instructions from the Customer and shall not be obliged to give any notice to that effect.

35.3 如果银行采取任何安全程序（包括本条款和条件未列明的其他安全程序）来验证任何传真指示的.真实性或其内容，则无论银行以何种频度执行该等程序，银行都没有义务在将来一定执行任何该等程序。客户同意：在任何情况下，银行均无义务来核对或证明以客户名义发出的传真指示是否是从一个客户拥有或与客户相关的传真机或传真号码发出的。如果银行根据客户的任何传真指示采取了行动，则客户应对银行发生的与该等传真指示相关的任何损失负责并愿意全额补偿银行为此发生的损失、成本和费用（包括律师费）。

If the Bank takes any security procedures (including any other security procedures not listed above) to verify the authenticity or contents of any Fax Instruction, the Bank shall not be obliged to take any such action in the future no matter how often the Bank takes such action. The Customer agrees that in any event the Bank has no obligation to verify or prove whether a Fax Instruction in the Customer name is sent from a Customer related or Customer owned fax machine or fax number. If the Bank acts on any Fax Instruction sent by the Customer, the Customer will be liable for and agrees to indemnify the Bank against any loss, damages, costs and fees (including attorney fees) the Bank may incur in connection with that instruction.

35.4 客户同意银行将根据本条款和条件规定处理客户的传真指示。对于银行收到的、显示以客户或客户授权人士名义发出的任何传真指示，只要传真指示上的签字或印章与客户在银行的预留印鉴近似，客户均愿意受其约束，而不论该等指示是否确实由客户或客户的授权人签署，也不论该等指示是否是从一个客户拥有或与客户相关的传真机或传真号码发出的。银行不负责客户可能遭受的、与银行根据本条款和条件的规定行事有关的任何损失。

The Customer agrees that the Bank shall process the Customer’s Fax Instructions in accordance with the provisions of these terms and conditions. The Customer agrees to be bound by any Fax Instruction issued in his/her name and received by the Bank, whether or not really signed by the Customer or his/her authorized signatory, whether or not sent from a Customer related or Customer owned fax machine or fax number, provided that the signature or chop in such Fax Instruction closely resembles the specimen recorded by the Customer with the Bank. The Bank is not liable for any losses the Customer may suffer in connection with the Bank’s acting in accordance with the provisions hereof.

35.5 客户同意银行可以在任何时候通过书面通知客户(a)修改和变更本传真银行服务条款和条件；和/或(b)终止或停止本传真银行服务条款和条件项下的服务并不执行客户的任何传真指示。如果客户在经银行通知后继续使用花旗传真银行服务，则应视为客户已经同意接受所通知的任何修改和变更。

The Customer agrees that the Bank may, at any time with written notice to Customer, (a) revise, amend or modify the terms of the CitiFax Banking services; and/or (b)terminate or suspend the services under the CitiFax Banking services and refuse to act on any Fax Instructions from the Customer. If the Customer continues to use the CitiFax Banking services after Bank's notice, Customer shall be deemed to have accepted the revisions, amendments, modification specified in the notice.

36. 预先登记收款人服务Beneficiary Pre-registration Service

36.1 欲添加或删除预先登记收款人应事先向银行递交收款人预先登记/注销申请。申请人对预先登记收款人的变更只有在银行已收到客户的指示并有足够的时间在操作系统中充分记录该变更后，方才有效。

In case applicant(s) needs to add or delete pre-registered beneficiaries with the Bank, she/he/they shall submit Beneficiaries registration/Cancellation Application upfront. Any change of pre-registered beneficiaries will be effective only after the Bank has received the Applicant(s)’ application and has sufficient time to fully record the change in Bank’s operation system.

36.2 预先登记收款人对通过花旗传真银行、电话银行、网上银行及其它远程银行服务渠道进行的资金汇划同样有效。

Pre-registered beneficiaries will be applicable to funds transfer via CitiFax, CitiPhone, Citibank Online and all other remote-banking channels.

36.3 对汇至预留收款人的汇款申请，银行可自行决定有选择的进行回电确认。

For any funds transfer applications to the pre-registered beneficiaries, the Bank may confirm with telephone callback on selective basis at the Bank’s sole discretion.

36.4 如预留收款人与申请人之间的亲属关系发生任何变更，申请人须及时告知银行，否则申请人愿意承担银行由此发生的一切损失、成本和费用。

In case there is any change of the relative relationship between pre-registered beneficiaries and Applicant(s), Applicant(s) shall timely notify the Bank; otherwise, the Applicant(s) shall indemnify the Bank all its loss, cost and fees arising therefrom.

36.5 银行对汇至预先登记收款人的汇款实行不同的日汇款限额。任何超过此限额的汇款申请将被拒绝执行。

The Bank will set different daily amount limits for funds transfer to pre-registered beneficiaries. Any funds transfer application exceeding such limit will be rejected.

37. 借记卡 Debit Card

37.1 花旗中国借记卡是由花旗中国发行的，由持卡人根据本章程的规定在花旗中国营业网点、电话银行、网上银行、掌上银行、掌上支付、多媒体终端等自助设备和特约单位联网终端上使用的借记卡。

Citibank China Debit Card is a type of debit card issued by Citibank China and used by Card Holders on Citibank China business sites, telephone banking, online banking, mobile banking, mobile payment, self-service multimedia terminals and online terminals of special designated venues according to the Terms and Conditions hereunder.

37.2 花旗中国借记卡的发行对象为符合花旗中国规定的申领条件的中国境内具有完全民事行为能力的自然人（包括中国公民、境内的外籍人士、港澳台同胞）。花旗中国借记卡申领应符合国家实名制有关规定，开户应采用实名。

Citibank China Debit Card is issued to natural persons who are qualified to apply according to Citibank China provisions and with full capacity for civil conduct residing in the territory of China (including Chinese citizens, foreigners in China and compatriots from Hong Kong, Macao and Taiwan). National regulations for real name should be observed when the Citibank China Debit Card is applied. Users shall use their real name to open the account.

37.3 符合申领条件的个人申领花旗中国借记卡，须在发卡机构开立个人人民币银行结算帐户。起存金额不限，并可随时续存，发卡机构按照中国人民银行规定的相关存款利率及计息办法计付利息，并依法代扣代缴利息税。花旗中国借记卡帐户应保持足够余额以备支付。持卡人购物、消费及存取现金等一切收付款项均在其帐户中实时办理。花旗中国不为持卡人垫付资金。

Persons with qualification of applying for Citibank China Debit Card shall open an individual RMB settlement account with Card Issuer. There is no limitation for initial amount of the RMB settlement account and user can continue to deposit at any time. Card Issuer will calculate and pay interest according to the deposit rate as specified by People's Bank of China and also will withhold from the Amount Payable any tax payable in accordance with applicable laws and regulations of the People’s Republic of China. Card User shall maintain adequate balance for his/her Citibank China Debit Card account for payment purpose. All deposit or payment procedures related to shopping, consumption or cash deposit or withdrawal will be processed in a real-time manner in Card Holder’s account. Citibank China does not offer cash advance to any Card Holder.

37.4 申请人申领花旗中国借记卡时，应按发卡机构要求提供所有必需的申请资料，如实填写申请表；或在发卡机构允许的情况下，申请人可以使用发卡机构的电话银行服务、掌上银行、掌上支付或网上银行服务等电子渠道申领花旗中国借记卡。申请人本人在申请表上签字或通过指定电子渠道确认，即表示知悉发卡机构有关规定、对所提供资料的真实性负责并遵守本章程。发卡机构有权决定是否批准申请人的领卡申请，对符合申领条件的申请人予以发卡。若发卡机构决定不批准申请人的领卡申请，无需说明理由。 Applicant applying for Citibank China Debit Card shall provide all necessary application information required by Card Issuer and fill in the application form in a truthful manner. Applicant can also apply for Citibank China Debit Card through the Card Issuer’s e-Banking services including phone banking service, mobile banking, mobile payment and online banking service, if the Card Issuer allows the applicants to do so. Signing on the application form or confirmation on activation of Citibank China Debit Card through the e-Banking services indicates that the applicant understands the provisions stipulated by Card Issuer, that the applicant is responsible for the truthfulness of the information he or she provides, and that the applicant agrees to comply with the Terms and Conditions hereunder. Card Issuer has the right to approve or reject the card application and issue cards to the qualified persons only. Card Issuer is not liable for providing any reasons while rejecting any application.

37.5 持卡人领取花旗中国借记卡时，应立即在花旗中国借记卡背面的签名栏内签上与申请表上相同的姓名，并在用卡时使用此签名。

Once receiving Citibank China Debit Card, Card Holder shall immediately sign his/her name the same as indicated in the card application form on the signature line on the back of the Card and underwrite the same signature when making use of the Card.

37.6 申请花旗中国借记卡必须设定密码。凡使用密码进行的交易，发卡机构均视为持卡人本人所为，发卡机构过失除外。凡依据密码等电子信息办理的各类交易所产生的电子信息记录均为该项交易的有效凭据；凡未用密码进行的交易，则登记有持卡人签名的交易凭证为该项交易的有效凭据，发卡机构有权将持卡人使用花旗中国借记卡的收支款项、费用记入其帐户。

A password is required for applying for Citibank China Debit Card. Card Issuer will deem all transactions conducted through password as the Card Holder’s acts, unless caused by misconduct of Card Issuer. Electronic information record of transactions conducted through electronic information such as password is considered as the valid proof of such transactions. For transactions conducted without password, the transaction proof with signature of the Card Holder shall be deemed as the valid proof of such transactions. Card Issuer has the right to debit such payment and fees into the Card Holder’s account.

37.7 花旗中国借记卡只限持卡人本人使用，持卡人使用花旗中国借记卡即构成持卡人本人对本章程的确认和接受，以及同意遵守本章程。花旗中国借记卡不得委托他人代理使用，不得出租、转借或转让，否则，由此引起的风险、损失及责任由持卡人承担。

Citibank China Debit Card is to be used by the Card Holder only. Using the debit card indicates that the cardholder has confirmed the acceptance of the Terms and Conditions and thus has agreed to comply with the Terms and Conditions hereunder. Any other person entrusted shall not use Citibank China Debit Card. Card Holder is not allowed to rent, lend or transfer Citibank China Debit Card to any other persons, otherwise any risk, loss and obligation arising from such acts will be assumed by the Card Holder.

37.8 花旗中国借记卡帐户的资金以持卡人持有的现金存入或以其工资性款项以及属于个人的合法劳务报酬、投资回报等收入转帐存入。严禁将公司的款项存入个人卡帐户。

The Card Holder deposits the fund in Citibank China Debit Card account in the form of cash, or salary, or personal labor compensation, or investment return. It is forbidden to deposit company fund into personal card account.

37.9 花旗中国将自行决定通过当面递交的方式将密码交给持卡人或者提供适当设备由持卡人自行设定密码。在同意的条件下，可不时根据持卡人要求(且在持卡人承担风险的前提下)通过邮寄的方式将密码寄送给持卡人。持卡人可以随时通过适当的设备修改花旗中国借记卡密码。

Citibank China, at its own discretion, delivers the password to Card Holder face to face or provides Card Holder with proper equipment to set password by himself/herself. With consent from Card Holder, the password may be delivered at Card Holder’s risk through mail to Card Holder upon his or her request from time to time. Card Holder may change the password for his/her own Citibank China Debit Card through proper equipment at any time.

37.10 发卡机构将分阶段推出电话银行、网上银行、掌上支付和掌上银行等电子银行服务，以及办理帐户查询、存款转帐结算等业务。持卡人使用这些服务和业务时，应遵守发卡机构的相关规定。

Card Issuer will launch such services like telephone banking, online banking, mobile payment, mobile banking, and business like account inquiry, deposit-transfer-settlement, etc. in phases. When using such services, Card Holder shall comply with the Card Issuer’s relevant provisions.

持卡人可凭花旗中国借记卡和密码在加入银联网络的特约商户消费。花旗中国将不时设置每日累积消费金额的上限。若持卡人在特约商户的消费超过该上限，可在消费之前通过花旗中国电话银行提高上限。

Card Holder may make any purchasing, by using his/her Citibank China Debit Card and the password, at the designated commercial venues that have joined China Union Pay network. Citibank China will set up limitation for maximum daily consumption amount from time to time. If Card Holder’s consumption at the designated commercial venues exceeds such limitation, Card Holder shall raise the limitation through Citibank China telephone banking before the transaction.

持卡人可凭花旗中国借记卡和密码在发卡机构营业网点以及银联网络的自动柜员机上提取现金。一张花旗中国借记卡每日在自动柜员机上累计提款额不得超过人民币20000 元。

Card Holder may use Citibank China Debit Card and the password to withdraw cash from business sites of the Card Issuer or Automated Teller Machines (ATM) under China Union Pay network. The accumulated amount withdrawn by the Card Holder from the ATM for each card shall not exceed the maximum of RMB20, 000 per day.

37.11 在不影响发卡机构的任何权利和补偿的情况下，发卡机构有权在任何时候，为防范欺诈、非法交易或非正常交易（包括但不限于连续多日以异常多的次数连续提款），根据发卡机构绝对的酌定权且无需给予任何通知，拒绝批准任何借记交易或暂停借记卡的功能。

Without any prejudice to Card Issuer’s rights and remedies, the Card Issuer, at its own discretion, has the right to reject any debit card transaction or suspend the debit card functions at any time and without any notice for the purpose of preventing fraud, illegal or abnormal transactions (including but not limited to unusually cumulative cash withdraw continuously) solely.

37.12 借记卡仅可用于合法交易。发卡机构将不允许借记卡被用于进行任何将会违反任何司法管辖区域下的法律的借记卡交易。对发卡机构怀疑涉及非法行为的任何交易，发卡机构保留拒绝处理或支付的权利。

Debit Card shall be used for lawful transactions only. Card Issuer will not allow the Debit Card to be used for any transaction that is in violation of any laws of any jurisdiction. For any transaction that is suspected for illegal act, Card Issuer reserves the right to reject processing or payment.

37.13 持卡人须根据发卡机构的规定按年缴纳年费，由发卡机构从花旗中国借记卡帐户自动扣收。如持卡人在花旗中国借记卡帐户中的余额不足以支付年费，持卡人同意发卡机构可从持卡人开立于花旗银行（中国）有限公司及其分支行的任何一个帐户中扣除相关年费。如卡片损坏，持卡人应持本人有效身份证件到发卡机构办理补换新卡手续。持卡人开办或因持卡人使用不当导致卡片损坏而补换新卡需缴纳手续费。持卡人也可采取发卡机构不时同意的其它方法办理补换新卡手续。

Card Holder shall pay annual service fee according to provisions of Card Issuer. Card Issuer automatically deducts annual service fee from Citibank China Debit Card account. Card Holder agrees that Card Issuer may deduct such annual service fee from any accounts established by Card Holder in Citibank China Co., Ltd and/or its branches/sub-branches in case the balance of Card Holder’s Citibank China Debit Card account is insufficient to pay the annual service fee. In the event that the Card is damaged, Card Holder shall go to Card Issuer with his or her valid identification certificate and replace it with a new card. Card Holder shall pay service fees to set up a new card or to replace the card damaged due to Card Holder’s misuse with a new one. Card Holder may also use other methods that are announced by Card Issuer from time to time to replace the old card with a new one.

37.14 持卡人在结清全部交易款项和有关费用后，可亲自至发卡机构申请办理销户。发卡机构受理后，即可办理销户手续。 After all payment transactions and charges are settled, Card Holder may cancel the Citibank China Debit card and the account with the Card Issuer in person. Card Issuer shall process the cancellation after such request is accepted.

发卡机构有权停止持卡人使用花旗中国借记卡。因持卡人违反中国法律法规或本章程的规定，或因花旗中国借记卡帐户余额不足导致年费扣收不成功，发卡机构可随时停止向持卡人提供相应服务。

Card Issuer has the right to cease Card Holder's right of using Citibank China Debit Card. Under the circumstances that Card Holder is in violation of laws, regulations of China or the Terms and Conditions, or fails to pay annual service fee due to insufficient amount of balance left in the Card, Card Issuer may stop providing the corresponding services to Card Holder at any time.

金卡是发卡机构为贵宾客户发行的借记卡，具有额外的贵宾礼遇。如果持卡人不再是花旗银行（中国）有限公司的贵宾客户，发卡机构有权停止持卡人使用金卡。持卡人应将金卡交回发卡机构，并按需要申领普通卡。发卡机构因其他原因停止持卡人使用花旗中国借记卡的，应提前通知持卡人。

Gold card is issued to CitiGold customers with additional privileges. If the Card Holder is no longer qualified for the CitiGold status, Card Issuer has the right to cease the Card Holder’s right of using Gold card. Card Holder shall return the Gold card to the Card Issuer and apply for a blue card if necessary. If Card Issuer stops Card Holder from using Citibank China Debit Card due to any other reasons, Card Issuer shall notify Card Holder in advance.

37.15 持卡人应将借记卡保存于安全和可靠的地方并确保密码不被泄露于任何第三方，并且持卡人应采取所有步骤及预防措施以防止任何有关借记卡、个人密码的伪造，欺诈，遗失或被盗。

Card Holder shall keep the Debit Card in a safe and secure place to make sure the password will not be disclosed to any third party. Card Holder shall also adopt any necessary measures to prevent the Card and password from being falsified, faked, lost or stolen.

花旗中国借记卡遗失的，持卡人应就近及时办理书面挂失或通过电话银行办理口头挂失。

In the case that Citibank China Debit Card is lost, Card Holder shall file a written report on loss of card to a nearby business site or through oral report on loss of card by telephone banking in a timely manner.

办理书面挂失，持卡人需持本人有效身份证件，亲自到发卡机构营业网点办理，并应根据发卡机构的要求提供卡号、户名、住址及开卡日期等信息。挂失后如需补办新卡，可凭本人有效身份证件办理补卡手续，补换新卡需缴纳卡片工本费。持卡人也可采取发卡机构不时同意的其它方法办理补换新卡手续。

For report such loss in writing, Card Holder shall bring valid identification certificates, come to business sites of Card Issuer in person, and present required information such as card number, account name, address and date of activation. After such loss is reported, if Card Holder wants to obtain a new card, he or she may use valid identification certificate to apply for a new card. Card Holder needs to pay production cost of the new card. Card Holder may also use other methods that are announced by Card Issuer from time to time to apply for a new card.

挂失生效前或挂失失效后持卡人因遗失，被盗或泄密花旗中国借记卡产生的一切经济损失，发卡机构不承担责任。持卡人应对该等遗失，被盗或泄密后发生的所有借记卡交易负责（不论是由于该借记卡密码未经授权使用或其他原因而导致了该等交易）。

Card Issuer is not liable for any economic losses incurred before loss report takes effect or after the loss report expires due to Citibank China Debit Card loss, theft, or password leakage. Card Holder shall be responsible for all transactions through Debit Card occurred after such card loss, theft or password leakage (no matter if such transaction occurs due to unauthorized use of password or other reasons).

持卡人遗忘花旗中国借记卡密码，应凭本人有效身份证件和花旗中国借记卡，向发卡机构书面申请密码挂失并缴纳补打密码信封手续费，办理密码重置手续。持卡人也可采取发卡机构不时同意的其它方法办理密码重置手续。

In the case that Card Holder forgets the password of Citibank China Debit Card, Card Holder shall report password loss in writing by presenting valid identification certificates and Citibank China Debit Card to the Card Issuer. Card Holder shall pay for re-printing the envelope of password and reset the password. Card Holder may also use other methods that are approved by Card Issuer from time to time to reset the password.

37.16 发卡机构向持卡人提供查询、对帐、挂失、咨询、投诉等服务。持卡人可使用花旗中国借记卡及密码通过花旗中国逐步推出的电话银行、网上银行、掌上银行、掌上支付、自动提款机、发卡机构营业网点等方式查询花旗中国借记卡项下的帐务信息。 Card Issuer provides Card Holders with services such as account information inquiry, account reconciliation, loss report, consultation and complaint, etc. Card Holder may use Citibank China Debit Card and password to check account information of the Card through methods launched by Citibank China in phases such as telephone banking, online banking, mobile banking, mobile payment, ATM, business site of Card Issuer and etc.

发卡人对任何帐务信息有异议的，须在该笔交易的当期帐单日起30 天内提出查询和更正要求，并支付相应查询费用，发卡机构将于

30 天内给予答复。如持卡人在该笔交易的当期帐单日起30 天内未提出异议，则视同持卡人认可全部交易。

Should there be any dispute concerning account information, Card Holder shall request for inquiry and correction within 30 days from the date of Account Statement. Card Holder shall make relevant payment for such inquiry and Card Issuer shall give a reply within 30 days. If Card Holder does not raise objection to such transactions within 30 days from the date of Account Statement, it will be deemed that Card Holder has agreed with such transactions.

37.17 持卡人开通花旗银行自动取款机（简称ATM）转帐服务后，持卡人可通过个人密码在ATM 上完成借记卡资金向本人或他人名下银行帐户的划转。为确保持卡人的资金安全，持卡人应注意防范下列风险：

1）在交易时，妥善使用花旗中国借记卡及密码, 以防止被不法分子通过窥视、调包等手段窃取用户的密码和卡片；

2）防范不法分子通过安装读卡器、摄像头、假键盘等附加物窃取客户密码和卡片信息；

3）勿要轻信贴在自助机具上的“告示”或其他诈骗电话、短信，勿要将个人密码主动告知他人，甚至直接转帐给不法分子提供的帐户；

4）勿要将卡片和密码放在一起，以防止不慎丢失后被他人轻易盗用、转出；

5）勿要采用过于简单（如生日、电话号码）或单一的数字做密码，以防止被他人轻易破译盗用；

6）勿要随意丢弃交易凭条，以防止被不法分子利用、变造伪卡。

因持卡人对卡片保管不善和密码泄露所造成的全部损失由持卡人承担。

After cardholder activates the Citibank Automatic Teller Machine (ATM) fund transfer service, cardholder can complete a fund transfer to other bank account under the Card Holder’s name or other designated person via Personal Identification Number (PIN).

To ensure the safety of the cardholder’s funds, cardholder shall take cautious on the following risks:

1）During transaction, use the Citibank Debit Card and related PIN prudently to avoid the criminal stealing the card and PIN through peeking, card exchange, or else.

2）To avoid the criminal getting password and information of the card through installing card reader, camera or false keyboard.

3）Do not trust notes pasting on ATM, and other fishing calls or SMS. Do not release the password to anybody else. Do not transfer fund directly to the account the criminal provide.

4）Do not place your debit card and password together to prevent embezzling or fund outflow should you lost your card. 5）Do not use simple number (such as birthday, phone number) as your password to avoid decoding by other parties.

6）Do not discard transaction slip improperly to avoid the fraudsters using it to manufacture fake cards. Cardholder shall be responsible for all related loss caused by password leak or improper safekeeping of the card.

37.18 花旗中国借记卡持卡人的资料如有变更，如通讯地址、联系电话、住址等，应立即以书面方式通知发卡机构，否则，由此引起的任何延误或损失均由持卡人承担。

Should there be any information change in relation to Card Holder, such as communication address, contact telephone, address and etc., Citibank China Debit Card Holder shall immediately notify Card Issuer in writing. Otherwise, any delay or loss incurred thereby will be borne by Card Holder.

37.19 花旗中国可在任何时候且不时地不经给予持卡人通知（并且花旗中国在任何情况下都不因此对持卡人承担任何责任）将持卡人开立于花旗中国的任何一个或多个帐户进行合并或统一，并且将该等帐户中的贷记事项项下的任何款项抵销或用于偿付持卡人开立于花旗中国任何一个贷款帐户逾期欠款。

Citibank China may, from time to time, without giving any notice (and Citibank China shall not therefore be held liable for any responsibility under any circumstance), combine or consolidate one or several accounts established by Card Holder in Citibank China and use any funds under the debit accounts to offset or pay any overdue payment of loan accounts that opened by Card Holder in Citibank China at any time.

37.20 花旗中国借记卡持卡人在特约商户消费时无需支付任何额外费用，并不得以和商户发生纠纷为由拒绝支付所欠款项。因通讯网络故障等客观原因导致持卡人交易失败而造成的损失，以及持卡人在商户互联网上使用花旗中国借记卡所导致的风险和损失，由持卡人自行承担，发卡机构不承担任何责任，但属发卡机构的责任除外。

Citibank China Debit Card Holder does not need to pay any extra fees for consumption in designated commercial venues. Card Holder shall not refuse to pay due to the dispute with the designated commercial venues. Any losses because of the objective reasons such as transaction failure due to the communication system malfunction shall be borne by Card Holder. Any risks and losses caused by Card Holder using Citibank China Debit Card on Internet shall be also borne by Card Holder. Card Issuer shall not be held liable, except for matters it is responsible for.

37.21 持卡人将不会根据任何借记卡交易或就任何借记卡交易要求发卡机构对由任何商家提供的货品或服务或任何货品或服务的质量或性能负责。如果持卡人对任何商家进行投诉，持卡人应与商家解决该等争议；持卡人对发卡机构的义务将无论如何不会因为持卡人与该商家之间的任何争议或任何持卡人可能拥有的针对任何商家的反诉或抵销权而受到影响。持卡人在本合约项下的权利将不会被转让或以其它方式加以处分。

Card Holder will not require Card Issuer to be responsible for quality or performance of the goods or services provided by the designated commercial venues based on or related to any Debit Card transaction. If Card Holder decides to file a complaint against any designated commercial venues, such dispute shall be settled between Card Holder and the designated commercial venues. Card Holder’s responsibility to Card Issuer shall not be impaired in any manner by such disputes or any right of setoff or claim that Card Holder may have against any commercial venues. Card Holder’s rights under this agreement shall not be transferred or sublet in any manner.

不论因何原因，如果借记卡不被任何商家、银行、金融机构或任何其他人所接受或承认，持卡人在任何情况下将不会要求发卡机构对此负任何责任，并且持卡人不会因此向发卡机构提出诉求。

If the Citibank China Debit Card is not accepted by or acknowledged by any designated commercial venues, banks or financial institutions for any reason, Card Holder shall not ask Card Issuer to take any responsibility under any circumstance, and Card Holder will not therefore claim against Card Issuer.

37.22 发卡机构会于每月指定的日期（帐单日）印送对帐单，当月没有任何交易或双方另有约定的除外。持卡人自帐单日起7天内未收到对帐单，应主动向发卡机构查询。持卡人不得以未收到对帐单为由向发卡机构提出诉求。如持卡人对对帐单有异议，应自帐单日起30天内向发卡机构查询和要求更正，否则视为持卡人收到对帐单且对帐单正确无误。

Card Issuer will print and send account statement on the specified date each month (Statement Date), unless there is no transaction occurred in that month or other agreements have been made. If Card Holder does not receive account statement within seven days upon the statement date, Card Xxxxxx shall send inquiry to the Card Issuer. Card Holder shall not claim against Card Issuer on the ground that Card Holder does not receive account statement. If Card Holder has objections to the account statement, Card Holder shall send inquiry and correction requirement to Card Issuer within 30 days upon the statement date, otherwise it will be deemed as Card Holder has received and agreed with the account statement.

37.23 伪造、变造花旗中国借记卡，使用伪造或作废的花旗中国借记卡及冒用他人花旗中国借记卡进行诈骗财物的，发卡机构应及时处理，必要时移送司法机关；对由于持卡人违背章程有关条款给发卡机构造成损失的，发卡机构有权申请法律保护并依法追究持卡人或有关当事人的法律责任。

Card Issuer shall promptly handle the matters in relation to falsification and alteration of Citibank China Debit Card, or use of such falsified or invalid Citibank China Debit Card or illegally using other person’s card for fraud. Such cases may be handed over to judicial authorities when necessary. For losses caused to Card Issuer by Card Xxxxxx'x act of violating the Terms and Conditions, Card Issuer has the right to seek legal protection and claim against the Card Holder or the related parties to undertake the liabilities.

37.24 由于不可抗力或供电、通讯等客观原因导致花旗中国借记卡暂时无法使用的，发卡机构将视具体情况提供必要的帮助，但不承担相关责任。对于在交易过程中，因暂时的网络通讯故障或其他原因造成的错帐现象，银行将根据实际交易情况进行帐务处理，以保障持卡人及银行双方的权益均不受损失。

In the cases that Citibank China Debit Card cannot be used temporarily due to force majeure or objective reasons such as power supply cutoff and communication malfunction, Card Issuer will provide necessary assistance on a case-by-case basis. However, Card Issuer shall not be held liable for any responsibility on any assistance that Card Issuer may give. During the process of transaction, if account error occurs due to temporary network communication malfunction or other reasons, the Bank will process the account according to actual transaction to make sure there is no damage occurred to Card Holder and the Bank.

若持卡人使用第三方提供的增值服务（包括但不限于短信和移动支付等功能），且由于该第三方的原因导致上述增值服务产生瑕疵或对持卡人造成任何损失，发卡机构对此不承担任何责任。发卡机构将视具体情况提供必要的帮助。

In the cases that Card Holder use any value added services provided by third parties (include but not limited to SMS or mobile payment functions), and any defects or losses arising from his/her use of the value added services, Card Issuer shall not be held liable Card Issuer will however provide necessary assistance on a case by case basis.

37.25 花旗中国借记卡所有权属于花旗中国。为保障持卡人帐户资金安全，发卡机构在发现持卡人的花旗中国借记卡存在被他人冒用等使用风险时，有权暂时对该帐户进行止付。若发现持卡人在用卡过程中有不遵守本章程或其他违规、违法行为的，发卡机构有权终止其用卡权利，并可授权有关银行和特约商户收回花旗中国借记卡。

Ownership of Citibank China Debit Card belongs to Citibank China. To safeguard the security of the funds in Card Holder’s account, if Card Issuer discovers any risk of the Citibank China Debit Card being illegally used by any other person, Card Issuer has the right to stop payment operation on such account. If it is discovered that Card Holder fails to comply with the Terms and Conditions or violates the laws or conducts any illegal acts, Card Issuer has the right to terminate the Card Holder to use the card and authorize relevant banks or designated commercial venues to take back the Citibank China Debit Card from the Card Holder.

37.26 发卡机构有权依照中国法律的规定协助国家司法机关或其他有权机关对持卡人的花旗中国借记卡基本帐户进行查询、冻结和扣划。

Based upon the laws of China, Card Issuer has the right to assist national judicial authorities or other authorities to freeze up or deduct the amount from the basic account of Citibank China Debit Card if they have such request.

37.27 花旗中国借记卡的相关收费项目及收费标准详见《花旗银行（中国）有限公司借记卡收费价格表》。

For charge items and commission standard related to Citibank China Debit Card, please refer to “Citibank (China) Co., Ltd. Debit Card Fee Table”.

37.28 本章程的修改或花旗中国借记卡收费项目和标准等发生调整，花旗银行通过营业网点、网站(xxx.xxxxxxxx.xxx.xx)或报纸等进行公告。公告满10 个工作日后，修改后的章程或收费项目和标准即为生效，对持卡人具有约束力。在公告期内，持卡人可以选择是否继续使用花旗中国借记卡；持卡人因对本章程的修改或收费项目和标准的调整有异议而决定不再继续使用花旗中国借记卡的，可向发卡机构提出销卡申请，发卡机构为其办理销卡手续。公告期满，持卡人未提出销卡申请的，视为同意章程的修改或收费项目和标准的调整。

For any amendment of the Terms and Conditions or adjustment of Citibank China Debit Card fee charge items and standards, Citibank will make public announcement through its business sites, website (xxx.xxxxxxxx.xxx.xx) or newspapers. In ten working days after the announcement, the amended Terms and Conditions or charge items will take effect and have binding force upon Card Holder. During the announcement period, Card Holder may choose whether continue to use Citibank China Debit Card or not. If Card Holder does not agree with the amended Terms and Conditions or adjusted fee charge items and standards and decides not to continue to use Citibank China Debit Card, Card Holder may apply for card cancellation and Card Issuer will handle the card cancellation process. If Card Holder does not apply for card cancellation after the announcement period, it is deemed that Card Holder has agreed with amendment of the Terms and Conditions or adjustment of fee charge items and standards.

37.29 花旗中国借记卡帐户受花旗中国《帐户金融产品及服务条款和条件》的约束。若本章程与《帐户金融产品及服务条款和条件》有冲突，则以本章程的内容为准。

Citibank China Debit Card account is subject to the “Terms and Conditions for Financial Products and Services” formulated by Citibank China. Should there be any conflict between the Terms and Conditions hereunder and the “Terms and Conditions for Financial Products and Services”, provisions in the Terms and Conditions hereunder shall prevail.

38. 花旗逸支付业务ePay Services

38.1 花旗逸支付业务为一种无卡支付业务，指客户无需刷卡或者插卡读取卡片信息，仅提供卡号、密码、手机和手机信息

（含短信验证码内容）、客户身份证件信息等（统称为“认证信息”）或认证信息的组合进行信息验证、交易授权, 通过包括但不限于互联网、手机、电视和电话语音等渠道进行款项支付的业务。

Citibank ePay is a type of cardless payment service where the Customer could authorize transaction and make payment through the channels including but not limited to Internet, mobile phone, television as well as telephone and voice mail by providing the Debit Card numbers, passwords, mobile phone numbers, SMS (including one time passwords), ID numbers and other identification verification information (hereinafter referred to as “Verification information”) without swiping the Debit Card.

38.2 客户在银行申请开通花旗逸支付业务功能前须在银行合法开设借记卡账户，客户使用花旗逸支付方式对借记卡账户进行操作时必须遵守银行的借记卡相关条款和条件。

The Customer applying for Citibank ePay service shall open a debit card account in Citibank China beforehand and shall comply with Debit Card Terms and Conditions in operation of the debit card account through the use of Citibank ePay service.

38.3 客户在申请开通花旗逸支付业务时，向银行提供的客户个人信息资料应当均为真实、准确、完整的，且客户同意银行为花旗逸支付业务之目的，将与申请开通花旗逸支付业务相关的个人信息，包括但不限于手机号、借记卡卡号提供给花旗逸支付业务的相关服务提供方。客户进一步同意在有关信息发生变更的情况下及时通知银行，否则由此发生的风险和责任由客户自行承担。

The Customer applying for Citibank ePay service shall ensure to the Bank that all personal information the Customer provides are authentic, accurate and complete, and shall agree the Bank to disclose Customer’s information, including but not limited to the mobile phone number and the Debit Card number, to relevant service providers. The Customer shall further agree to notify Citibank China immediately should there be any change to the Customer’s information which has been provided to the Bank. Otherwise, any delay or loss incurred thereby will be borne by the Customer.

38.4 花旗逸支付业务功能将于银行接受客户业务申请后的第三个工作日开通。

Citibank ePay service will be activated in three working days after the service application has been accepted by Citibank China.

38.5 客户应明确知晓并接受，花旗逸支付业务功能开通后，若客户通过第三方服务提供商提供的无卡支付服务平台（“支付平台”）方可进行无卡支付的，客户使用花旗逸支付业务即视为客户已同意接受该等第三方有关无卡支付业务的规则、条款和条件之约束。

The Customer shall fully understand and acknowledge that under the circumstance that the cardless payment needs to be made through Cardless Payment Platform (hereinafter referred to as “Payment Platform”) provided by Third Party Service Providers after the activation of Citibank ePay service, the Customer’s using of ePay service will be deemed as the Customer has agreed to be bound by the Terms and Conditions relating to cardless payment formulated by the Third Party.

38.6 银行对第三方服务提供商及其提供的支付平台不提供任何形式的保证或承担任何形式的责任，包括但不限于：

The Bank makes no representation, warranty or guarantee as to, and shall not be responsible for, the Third Party Service Providers and the Payment Platform provided by the Third Party Service Providers, including but not limited to :

38.6.1 由于第三方服务提供商和/或其提供的支付平台原因（包括但不限于支付平台因任何原因中断、中止、故障、延迟、错误或被另行影响）导致花旗逸支付和/或交易无法正常进行；或

Citibank ePay service cannot be used and/or transactions cannot be processed normally because of the Third Party Service Providers and/or the Payment Platform provided by the Third Party Service Providers (including but not limited to the breakdown, ceasing, failure, delay, error of the Payment Platform or the Payment Platform being otherwise influenced).

38.6.2 由于第三方服务提供商和/或其提供的支付平台原因可能导致的任何其他风险或不利后果。

Other potential risks or adverse consequences caused by the Third Party Service Providers and/or the Payment Platform provided by the Third Party Service Providers.

38.7 客户在花旗逸支付过程中使用的手机号码应当与客户留存在银行的手机号一致。海外手机暂不支持此项服务。

The mobile phone number used in Citibank ePay transaction shall be the same as the one registered with Citibank China. Citibank ePay service is currently not available to the mobile using overseas mobile operator.

38.8 客户应妥善保管已申请花旗逸支付业务的借记卡卡号、密码、身份证件信息、手机和手机信息（含短信验证码内容）等认证信息，因客户故意或过失之行为，包括但不限于未适当、未谨慎保管导致上述任何认证信息泄漏的，由此产生的风险及损失由客户自行承担。

The Customer shall keep the Debit Card numbers, passwords, ID numbers, mobile phone numbers, SMS (including one time passwords) and other Verification Information which are used to apply for cardless payment in a proper manner. The Customer shall assume the incurred risks and losses should the Verification Information leaked out due to Customers’ intentional or negligent behavior, including but not limited to improper or imprudent safekeeping.

38.9 对于任何通过认证信息发出的花旗逸支付交易指令，银行均视同由客户本人发出，且该等交易指令一经发出即被视为授权银行根据该交易指令扣划客户银行卡账户内资金，并不得以任何理由拒绝支付应付的相关款项。银行在正确履行认证信息验证的前提下不对因交易产生的任何风险和损失负责。

Any transaction instruction made by using Verification Information shall be deemed to be made by the Customer himself/herself. Once the transaction instruction is sent, it is regarded that the Bank is authorized to debit fund from the Customer’s Debit Card account, and the due payment shall not be refused by the Customer for any reason. Subject to the Bank’s fulfilling of its obligation to verify the Verification Information in a proper manner, the Bank assumes no risks or losses incurred from the cardless transaction.

38.10 客户使用花旗逸支付业务，单笔支付额度和每日累计支付额度受银行和第三方服务提供商无卡支付限额的共同约束，以较低者为准。银行现阶段的花旗逸支付的初始限额*为单笔2000元，每卡每日累计20000元。客户可通过花旗24小时服务热线 8008301880（海外来电请拨打00-00-0000-0000 垂询）调整逸支付*单笔及每日累计支付限额。银行或第三方服务提供商可能不时修改支付限额而无须经过客户同意，客户应留意有关公告或网站说明。（*逸支付初始限额及调整不适用于掌上支付）

Citibank ePay transaction amount is subject to the single transaction limit and daily amount limit pre-set by Citibank China and the Third Party respectively, and the lower limit(s) shall prevail. Currently the single transaction limit is RMB 2,000 and the daily amount limit is RMB 20,000 respectively pre-set by Citibank China*. The Customer may adjust* the transaction limits by calling Citibank China 24-hour service hotline: 000-000-0000 (or overseas 00-00-0000-0000). Citibank China and the Third Party have the right to adjust the transaction limits from time to time without the Customer’s prior consent. The Customer shall be alert to relevant announcements and notices per published on websites. (*Citibank ePay transaction limits and adjustments are not applicable to Mobile Payment)

38.11 客户如欲取消花旗逸支付业务功能，则将一并取消网上银行及掌上银行。取消花旗逸支付业务功能可致电电话银行： 000-000-0000 或者000-0000-0000。

The Online Banking and Mobile Banking would be cancelled if Customers inactivated Citibank ePay service. The customer may inactivate Citibank ePay service through Citibank China 24-hour service hotline: 000-000-0000 (or overseas 00-00-0000-0000)

38.12 花旗逸支付业务中的掌上支付业务是由移动通信运营商联合中国银联股份公司（“银联”）共同推出的一项业务，是将客户的手机、手机号码与银行卡账号进行绑定，通过手机短信息、语音等操作方式，以绑定的银行卡为支付结算载体，实现查缴手机话费、银行卡余额查询、消费支付等。

As one kind of Citibank ePay service, Mobile Payment service is jointly launched by the mobile communications operators and China UnionPay Co. Ltd (CUP). By binding the Customer’s mobile phone and mobile phone number with his/her bankcard accounts, the Customer is able to pay mobile phone bills, make bankcard balance inquiries and payment transactions through SMS, voice mails, etc. on their mobile phones.

38.12.1 客户在银行申请开通花旗逸支付业务功能时或开通之后，可选择是否开通掌上支付业务。客户申请开通和使用掌上支付相关业务服务的，即表示客户接受并同意移动运营商于其官方网站上公布的关于掌上支付的有关规则、条款和条件。

The Customer may choose to activate Mobile Payment service when/after applying for Citibank ePay service. The Customer is deemed to accept and acknowledge the provisions, Terms and Conditions published on the official website of the mobile communications operators when activating Mobile Payment service.

38.12.2 尽管有上述第38.4 条的规定，掌上支付业务的开通时间以移动通信运营商向客户发送业务开通短信通知为准； Notwithstanding the Clause 38.4 above, the activating time of the Mobile Payment service shall be when the activating SMS is sent to the Customer by the mobile communications operators.

38.12.3 客户将通过短信收到掌上支付密码；

The password for Mobile Payment will be sent to the Customer through SMS;

38.12.4 就移动通信运营商相关事宜，客户可向移动10086 或联通10010 电话客户服务中心进行咨询。

For any inquiry with regard to the mobile communications operators, the Customer may call the hotlines of China Mobile (10086) or China Unicom (10010).

38.12.5 客户取消掌上支付业务功能并不会同时自动取消花旗逸支付业务功能。客户取消花旗逸支付业务功能应依照第38.11条的规定办理。

Citibank ePay service will not be automatically inactivated upon the Customer’s inactivating Mobile Payment service. The Clause 38.11 shall apply for the Customer to inactivate Citibank ePay service.

38.13 在客户违反本条款项下的相关规定的情况下，银行有权拒绝执行客户通过互联网、手机和电话等发送的花旗逸支付相关指令，且不承担任何责任。

In the event that the Customer fails to observe and comply with any terms hereof, the Bank has the right to reject the Customer’s ePay instructions through Internet, mobile phone or telephone and assumes no liabilities.

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TERMS AND CONDITIONS FOR ACCOUNTS PRODUCTS AND SERVICES

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