Contract
账户及服务一般条款和条件
1. 适用范围
1.1 本账户及服务一般条款和条件（“本条款和条件”）适用于客户已开立或将开立于银行和分行的任何账户以及银行向客户提供全部及任何的产品及服务。客户在银行申请开立账户及/或接受银行提供的相关产品及服务前，应先仔细阅读本条款和条件。客户收到本条款和条件后，如果在银行开立账户、使用或继续使用其开立的账户及/或接受银行提供的任何产品及服务，应被视为已同意接受本条款和条件的约束，该等账户和/或产品及服务应适用本条款和条件、银行不时规定的其他通用条款和条件以及经银行认为合适的方式提请客户注意的银行的内部规章、规则和惯例。银行可自行酌情决定在银行的任何网点向客户提供任何产品及/或服务。银行应有权对账户及/或客户接受的银行提供的产品及服务规定由其完全自行决定的任何附加条款和条件。本条款和条件未尽之账户及/或相关产品和服务事宜，依照届时适用的相关产品及服务的补充/特别条款和条件及相关法律法规办理。
1.2 本条款和条件将替代先前发布、公布或由客户签署的任何类似性质的书面文件。
1.3 为本条之目的，在任何情况下，本条款和条件以及其他补充/特别条款和条件均应适用于客户所开立的任何账户及/或使用的任何产品和服务。如本条款和条件与客户接受的银行提供的产品及服务的补充/特别条款和条件载明之约定有任何的冲突，皆优先适用相关产品及服务的补充/特别条款和条件中的约定。
1.4 银行可根据适用法律对由客户开立的账户进行年审。客户应该配合该等年审并且向银行提供其为该等目的而合理要求的所有文件和材料。
2. 定义与释义
2.1 定义
除非上下文另有规定，以下黑体词语在本条款和条件中具有如下含义：
“账户”指以客户的名义在银行和/或任何分行已开立或将开立的任何以人民币和/或外币计价的账户和/或子账户；
“客户”指在银行和/或任何分行开立账户及/或接受银行任何产品及服务的人士（不包括个人）；
“账户委托书”指客户就账户签署的公司客户资料/开户申请表或银行不时规定的其他该等相关文件；
“关联方”指银行的任何控股公司和/或其子公司或关联公司，包括任何前述公司的代表处或分公司，或前述任何公司全部或部分持股的任何实体（无论是否是公司）。
“授权签字人”指客户按照银行规定的方式不时通知银行的，经客户授权就账户及/或银行相关产品及服务向银行发出指示的任何人士（包括其签字样本）；
“银行”指公司客户资料/开户申请表及/或银行任何产品及服务的申请书及/或其他与产品及服务相关的文件中所指的银行；
“分行”指法国兴业银行（中国）有限公司在中国境内的各分行和支行；
“营业日”指除星期六、星期日及公众假期外银行在中国通常营业的任何一日。如果涉及外币支付业务，指该币种的主要金融中心的银行通常营业的任何一日；
“营业时间”指银行对外营业的时间段，不同的分行可能依其不时的通知有不同的营业时间；
“数据”指通过电子邮件或任何其他无线电通讯方式或银行接受的电子通讯模式提供或包含的信息；
“不可抗力事件”指超出受影响方合理控制范围之外的事件，包括传输、通讯或计算机设备的 任何故障或失灵，邮政罢工或其他劳工行动，任何市场或票据交换场所未能履行其职能，或任 何相关代理人或其他代理人由于任何原因未能履行其职责，战争，敌对行动，暴动，内部骚乱，恐怖行动，破坏或其他封锁或禁运，任何政府、地方政府或区域政府或其代理方征用，或者任 何该等主体发布的任何法律、法规、法令、行政指令、命令(包括对任何外汇管制法律法规的修 改，或者对币种交换或汇付的任何延期或限制)(无论是否具有法律效力或者是否为不可抗力)， 火灾，洪水，霜冻，风暴，爆炸，流行疾病或者化学污染；
“人民币”指中国的法定货币；
“外币”指银行指定的任何外国货币；
“指示”指客户通过本条款和条件中所述的通讯方式，或银行不时决定及提供予客户的其他方法，而向银行发出的关于账户的任何指示，该等指示可以是由客户或授权签字人通过口头（包括通过电话）或书面（包括通过传真）方式发出，银行有权选择指示的方式并且可要求客户提供其认为必要的任何文件；
“人行”指中国人民银行或其地方分支机构；
“中国”指中华人民共和国，为本条款和条件之目的，不包括香港特别行政区、澳门特别行政区和台湾。
2.2 释义
（a） “人士”包括任何工厂、个人、商行、公司、企业、合资企业、合伙和非法人社团；
（b） 英文本中任何单数形式的词语和表达都包括其复数，反之亦然；
（c） 每一条款的标题仅为方便参阅而加入，在解释本条款和条件时，应不予考虑；
（d） “包括”一词应被解释为“包括但不限于”；
（e） 凡提及“银行”、“分行”、“客户”或“个人”，包括他们的继承人和受让人；
（f） 凡提及一项法律，是指经不时修改、补充或重新颁布的该项法律、法规、规章、命令或具有法律效力的其他文件；
（g） 凡提及条款或附件，是指本条款和条件的一个条款或一项附件；
（h） 凡提及一份文件，是指经不时修改、补充或重新颁布的该份文件。
3. 开户
3.1 文件要求
在银行开立账户时，客户应按适用法律和银行相关政策，向银行递交相关文件并且应银行不时的要求满足其他条件。
银行有权要求客户提供确认函以确认客户已收到银行发出的与开户有关的文件。
3.2 银行的自行接受或拒绝
银行可以完全自行决定接受或拒绝开立账户的申请。
3.3 账户的限制
银行在符合适用法律的前提下，有权规定：
(a) 账户开立、操作和关闭的最低和最高金额或余额；和/或
(b) 就存款而言，提供何种期限的存款产品。
3.4 资金的充足性
(a) 客户进行提款、转账或使用其他服务时，应确保其账户内有充足的资金。如果相关账户内资金不足，则银行并无义务执行客户提款或转账的任何指示，但客户与银行对此另有约定的除外。
(b) 否则任何账户均不可透支。
3.5 文件保存
(a) 银行并无义务代表客户为客户保存与任何账户有关的任何支票、汇票或其他文件，但适用法律另有规定的除外。
(b) 在不影响上述第(a)项规定的前提下，除非适用法律另有规定，银行在将收到的与任何账户有关的所有文件储存于微缩胶卷或以银行认为适当的其他方式存储后，即可予以销毁。
3.6 签字/盖章和/或其他识别方式
(a) 客户可与银行约定凭签字、盖章和/或其他识别方式使用账户。客户使用签字和/或盖章应当总是与客户在银行预留的印鉴一致。如客户更改在银行预留的作为认证方式的签字样本、印章、公章、地址或其他相关资料，应事先给予银行书面通知。在收到客户更改业经同意的作为识别方式的签字样本、印章、公章或其他相关资料的通知或客户的申请之前，银行有权根据届时保存的客户的相关指示或信息执行或确认客户的指示或信息。
(b) 如果银行的识别系统因不可抗力事件无法正常运作并且导致银行未能验证客户提供的签字/盖章或其他识别方式，银行可以拒绝客户的提款或转账或进行其他仅凭签字/盖章和/或该等其他识别方式验证即可生效的交易的要求。银行对客户由此产生的任何损失概不负责。
(c) 如果银行的识别系统因不可抗力事件以外的原因无法正常运作并导致银行未能验证客户提供的签字/盖章和/或其他识别方式，银行仍可以拒绝客户的提款或转账或进行其他仅凭签字/盖章和/或该等其他识别方式验证即可生效的交易的要求。除银行存在重大疏忽或故意不当行为外，银行对客户由此产生的任何损失概不负责。
(d) 操作账户所使用的印章应当被安全地保管。如有遗失，客户必须立即书面通知银行，并且银行对收到该等通知之前进行的任何支付行为将不负责任。
3.7 批准
银行开立任何账户须取得任何相关监管机关对账户的预先批准（若适用）。
3.8 账户开立通知
银行应根据所适用法律及银行的相关政策向客户发出书面通知，将账户的开立告知客户。客户
可以操作并使用该账户有关的所有产品和服务。
3.9 自身利益
客户确认并承诺账户的开立、运作以及有关账户的所有可能的交易均只为客户自身的利益而不为其他任何人的利益。
4. 授权和指示
4.1 授权
(a) 客户可向银行申请的产品和服务范围包括任何存款、授信安排、投资和其他银行不时确定的符合所有适用法律和政策的产品和服务。银行可以不时确定客户拟进行的任何交易的最高和/或最低限额或价值。
(b) 客户在此授权银行根据本条款和条件为客户提供其不时选择的服务。
4.2 指示
(a) 客户的所有指示均应由客户或其代表严格按照就届时有效的本条款和条件、授权和补偿保证(若签署)、申请表、董事会决议或银行不时要求的与执行指示相关的其他文件而做出。所有上述指示应以书面形式或银行不时同意的其他方式做出。
(b) 所有指示一经银行收到即不可取消、撤销或修改，但银行自行决定并另行同意者除外。
(c) 如执行该等指示所需的金额将超过客户余额或银行酌情决定向客户提供的融资/产品/服务的额度，银行应有权酌情决定拒绝执行客户发出的指示，即使银行的雇员可能暗示银行接受或愿意接受该等指示。如银行决定执行该等指示，银行可以选择执行哪一指示及执行某一指示的全部或部分。
(d) 客户以书面形式向银行提供的客户或其授权签字人的签字样本和签字权力将持续有效，直至银行收到客户就上述各项做出书面撤销函为止。
(e) 除将签字与银行记录中的签字样本作表面比较之外，银行有权但无义务对签字进行进一步核对。
(f) 如果银行认为任何指示不符合任何适用法律要求，银行可以拒绝就该等指示行事。
(g) 银行有权根据其通常业务惯例和程序而行事并且将仅在其认为可行且合理的范围内接受指示而行事。为免异议，银行被授权参与任何规范银行业行为的组织以及任何为银行提供中央结算、交割和类似服务的系统并且遵守它们的规则，但在任何情况下，银行不对上述组织或系统中操作人员或管理人的任何作为或不作为承担责任。
5. 存款、金融工具结算和资金划转
5.1 存款
(a) 经银行同意，客户可在任何分行进行现金或支票存款。银行通常会以由获授权职员签署的证明确认该笔存入款项。
(b) 银行保留自行酌情决定不接受任何存款的权利。银行所接受的所有存款应遵从并受限于本条款和条件、与此类存款有关的特别条款和条件，以及在存单或为该等存款发布的文件中专门制定的其他条款和条件。
(c) 银行保留要求存入与存款币别相同之立即可用的现金的权利。银行接受的任何存款如 非立即可用之现金，则应以银行实际收到该资金为准，并且如果该等资金到期未到账，银行可以取消该存款。在银行实际收到此类资金之前该笔存款不计息（如有）。除该 存款的其他条款外，除非经银行同意，不得在实际收到该资金之前提取该存款。客户 应按银行要求，补偿银行因未收到该资金而引致之一切损失、款项、成本及费用。
5.2 金融工具托收
(a) 银行可接受客户的委托，为其办理支票或其他结算工具的转账。客户在银行开立的账户应具备银行根据本条款和条件提供的结算服务；接受客户委托办理转账的支票或其他结算工具项下的款项必须在银行实际收妥后方能转入客户账户。
(b) 银行应合理谨慎地保管及处理客户委托收款的支票或其他需结算的金融工具；有关支票或其他结算工具如非因银行重大疏忽而导致损毁、损坏或延迟付款，银行无需为客户所遭受的损失承担任何责任。如银行因应客户的委托需授权第三人保管及处理委托收款的支票或其他结算工具，而在第三人保管或处理有关金融工具期间，该等金融工具非因银行的任何原因而被损毁、损坏或延迟付款的，银行亦无需承担任何责任，但适用法律另有规定的除外。
5.3 未结清的金融工具
(a) 在银行收到款项或证明已付款的最终通知书前，客户不得就存入其账户的未结清金融工具支取款项。
(b) 如果银行允许客户从任何账户或任何有待委托收款的款项中支取有待转账的资金，则如果银行未能在预定收款时间收到全部或部分款项或银行接受转账后，无法根据通常的银行惯例收取或自由处理该等资金，一经银行要求，客户即应向银行全额偿还其已支取的款项。
(c) 此外，如果银行接受客户委托其收取的款项或有待转账的资金偿还客户所欠银行的债务，则该等债务须于银行全额收到上述款项或资金时方可视为已经清偿。需要境外结算的金融工具的收款时间因涉及的国家不同而异，客户应向银行查询以确定最终通知书的发出时间。对于因该等金融工具未能兑现而使银行遭受的任何损失和/或产生的合理及适当的费用，银行有权向客户追偿。
5.4 资金划转服务
(a) 在办理资金汇出业务时，客户应当向银行提供收款方的信息并保证其准确性。客户承认，银行在提供资金汇出服务时，仅作为客户的代理人行事。收款方何时能够收到资金取决于收款方所在地区及该地区银行开展相关业务的情况。
(b) 如资金汇出未能完成，银行将尽快通知客户。但是，客户承担资金汇出途中产生的任何风险，对任何非因银行重大疏忽或故意的不当行为造成的该等汇出过程中的任何延误或遗漏所导致的客户的损失或损害，银行不承担任何责任。
(c) 银行保留根据操作的需要通过其不时委托的其他往来银行或代理人或中介处理资金汇
出业务的权利。如需兑换货币，兑换时须按银行届时依法公布的汇率进行。如客户取消资金汇出而银行已办理了相关款项的兑换手续，并且所收取的已兑换的货币款项将以另一种货币退还，则上述支付应该在银行收到款项基础上，按退款当日由银行确定的汇率做出，客户应承担汇率波动的风险。任何因取消资金汇出而产生的费用，概由客户支付，并从汇款或退还款项中扣除。客户已支付的电报费用或其他费用和佣金不再退还客户，但适用法律另有规定的除外。
(d) 若出现错误资金划转的情况，客户在此授权银行将错误划转至客户账户的款项从相应
账户中扣除，而无需通知客户。
5.5 支票服务
(a) 客户不得签发金额超过付款时其账户内余额或载有与客户向银行提供的预留印鉴不符的支票 (以下统称“空头支票”)。
(b) 客户签发空头支票, 不以骗取钱财为目的的，客户将被中国人民银行处以票面金额百分之五(5%)但不低于人民币 1000 元的罚款，银行将按照中国人民银行、其他监管机构、有权机关以及相关法律法规的要求采取相关措施。
(c) 如果客户在一年之内签发空头支票的次数超过相关法律法规的规定, 银行有权拒付支票并停止向客户提供支票服务或所有结算服务。
6. 提款
6.1 正常情况下提款可以在每个营业日的营业时间在分行的柜台办理。从账户中提款（无论本金或利息）应以银行可接受的账户中的货币或（依银行酌情决定）以任何按银行适用汇率计算的等值的其他货币。
6.2 银行对任何出示声称由客户或代表客户适当签署和/或封印或盖章的提款或转账单的人所做出的诚信的支付应具有与客户亲自提款或转账相同的效力。
6.3 不论本条款和条件中的其他规定，银行可以在客户对于银行负有任何责任（不论该等责任是现 有的还是未来的，实际发生的或者或有的，单独的或者连带的，基于主债务或者担保责任而产 生，也不论该等责任的性质如何）的情况下，拒绝客户提取任何存款和/或利息。银行可自行决 定在任何时候并不需对客户进行通知用任何客户的存款和/或利息抵销该等责任。在该等抵销后，客户将根据银行的决定提取任何剩余金额（如有）。
6.4 银行可以，自行酌情决定依照所有适用法律，要求客户就任何超过一定金额或某种货币的提款提前通知银行，并拒绝对某种货币支付现金。
6.5 银行保留下列权利：
(a) 对存款的提取加设限额；
(b) 要求客户提供证明文件，并在提款时提供相关的存款确认和/或通知收据；或
(c) 如果提款后，账户中的贷方余额将低于银行所要求的最低金额，拒绝客户从账户中提取任何款项。
7. 柜台交易
7.1 于柜台所作的账户的一切操作只能在银行的每个营业日的营业时间内执行。客户可以在其开立相关账户的分行操作该账户，亦可在银行依其自行决定允许的其他分行执行。获许在分行以外
的地点的一切账户操作均应遵循银行不时依其绝对酌情决定权确定的条款和条件、限制和/或约束。
7.2 客户应在每项交易完成之后及离开柜台之前检查交易记录，以确保相关交易已被正确地执行。任何其后要求的错误更正将可能无法实行。
8. 外币账户
8.1 银行可以拒绝接受或进行任何外币账户项下的任何交易，如果该币种与该等账户的币种不符或者不是银行可接受的币种。
8.2 在不损害本条款和条件的任何其他规定的情况下，外币账户中所有存款的存入和提取必须以银行接受的货币进行，如果需要转换币种，该等转换受限于银行根据法律规定在存款和提款当时公布的可适用汇率。
8.3 因缴税、缴费或贬值而导致存入账户的任何外币减值，或因兑换或汇款的限制或其他银行无法控制的原因造成无法提供某种货币，银行不承担任何责任。
9. 账务核对以及对账单
9.1 账务核对
(a) 银行根据适用法律法规的要求，建立企业账务核对（“对账”）机制，有权以不低于每季度一次的频率以及银行自行决定的方式对账户实施对账。客户应配合银行的对账安排，若客户超过对账时间未反馈或者核对结果不一致的，银行有权采取措施查明原因并适当控制账户项下的交易。
(b) 若适用的法律法规对对账的频率、方式以及银行的应对措施有任何调整，无需事先通知客户或取得客户的同意，银行有权按照相关规定对其对账机制进行相应的调整。
9.2 对账单的发送
在不影响第 9.1 条的相关约定的前提下，银行可按月（或银行决定的其他时间间隔）向客户发出对账单，发送方式由分行自行酌情决定。但如在对账单所涉及的期间内账户未发生任何收付活动，则银行保留不向客户提供当期对账单的权利。对账单中账目的正确性对于银行不是最终的。银行有权酌情决定纠正对账单中的账目，并不因该等纠正对客户或通过客户索赔的任何人士负责。
(a) 银行将根据情况并依其自行酌情决定权向客户发送综合对账单，通知客户在某一期间内客户在银行进行的所有账户活动的细节。
9.3 错误及更正对账单的通知
(a) 客户有责任审查每份对账单上的账目，以检查是否有错误或遗漏或因任何原因而引致 的任何未经授权的扣款/交易/入账，这些原因包括假冒、冒签、欺诈、未经授权交易、客户/其他人的疏忽（统称为“错误”），并立即通知银行任何错误或未经授权的扣款。
(b) 除非客户在收悉对账单之日起三十(30)天内（或如果通过邮递，在银行将该对账单投递之日起的同样期间内）以书面方式对该等对账单中包含的任何事项提出异议，客户将被视为最终接受该等对账单中包含的所有事项，并认为其在所有方面是真实和准确的。
(c) 在不违反上述(a)项的情况下，银行有权随时修正和/或纠正因银行自身的错误或遗漏而于任何对账单上出现的错误，并向客户发出经修正和/或纠正的对账单，而无须对客户承担任何责任。如此修正或纠正的对账单将对银行及客户具有约束力。
(d) 如果客户的账户因银行或任何其他机构或人士（包括客户）的错误、不当行为或遗漏而存入过多的款项，客户须在银行要求下立即退还有关款项。银行有权在向客户或不向客户发出事先通知或付款要求的情况下，从客户的任何账户中扣除多存的款项。
10. xx与保证
10.1 客户在此向银行xx和保证（该等xx和保证应被视为在客户基于账户及/或任何产品和服务而达成任何交易之时重述）如下：
(a) 客户系一家依照其所在地司法管辖区的法律合法组建并有效存续的公司，已取得在银行开立账户及/或接受任何产品和服务所需的所有授权（如需）；
(b) 账户及/或任何产品和服务是以客户本人的利益而持有，并且基于账户及/或任何产品 和服务所进行的任何交易和账户及/或任何产品和服务中持有的任何投资的实际受益人 均为客户本人，并且在上述账户及/或与任何产品和服务有关的任何投资之上，不存在 任何为除银行或事先由银行同意的人之外的任何其他人设置的任何种类的抵押、留置、权利负担或者担保权益；
(c) 本条款和条件构成客户合法、有效和具有约束力的义务并可以针对客户强制执行；
(d) 客户就账户及/或任何产品和服务向银行提供的任何信息在任何实质方面均为真实、完整和正确的，向银行提供的所有个人信息来源合法并已获得相关个人合法有效的授权同意，且银行就账户及/或任何产品和服务处理该个人信息未超出客户已获得的个人信息处理的授权同意范围；
(e) 客户具有充分的权力和能力持有账户及/或任何产品和服务，并基于本条款和条件进行任何交易。
10.2 反贿赂和反腐败有关的xx与保证
客户在此向银行xx和保证,在本条款和条件有效期内的任何时间：
(a) 其知晓并承诺遵守适用于本条款和条件的与反贿赂、反腐败和反以权谋利有关的法律法规;
(b) 客户或据其所知其所控制的任何人员，包括其董事、高级职员和雇员，或其为签署本条款和条件而指定的任何代理人或中间人，均没有:
(i) 任何腐败行为或以权谋利；或
(ii) 由于任何已证实或涉嫌的腐败行为或以权谋利，被国家机构或国际机构 禁止（或被视为禁止）就该机构的招标进行投标，与该机构签约或合作。
(c) 其已按照适用的法律规定和/或根据其业务规模和活动的需要
(i) 为签署本条款和条件而合理详细地保存了有关的账簿、记录和账目；
(ii) 为防止实施任何腐败行为和以权谋利制定了充分的规则和流程。
(d) 如果客户已实施任何腐败行为或以权谋利，或本第 10.2 条项下的xx和保证不再成立
（无论是否可以补救），则银行有权立即向客户发出书面通知终止本条款和条件，并有权按照本条款和条件第 12.2 条的约定采取任一项或多项行动，且不承担任何责任。
(e) 为本条之目的，
(i) “腐败行为”指直接或间接通过中介第三方等任何人实施的下列自愿行为：
(1) 给予，提供或承诺任何人（包括公职人员）；或者
(2) 向任何人（包括公职人员）索取或接受，
为自己或第三方提供任何礼物、捐赠、邀请、报酬或有价值的物品，这些物品会或可能被视为贿赂的诱因，或是蓄意腐败行为，在任何情况下，其目的是诱使某人（包括公职人员）以不当或不诚实的方式履行职责和/或获取不当利益。
(ii) “以权谋利”指以下自愿行为：
(1) 向任何人（包括公职人员）给予，提供或承诺；
(2) 从任何人（包括公职人员）处接受，
直接或间接地，为自己或第三方的任何礼物，捐赠，邀请，奖励或任何有价值物，在每种情况下以其滥用或已滥用其实际或假定的影响，从公职人员处获得任何有利的决定或不正当的好处。
11. 承诺
11.1 在于银行持有账户及/或任何产品和服务的期间内，客户承诺如下：
(a) 一俟要求，即向银行支付在任何时候因任何原因欠付银行的任何金额；
(b) 无论相关的交易是否在中国进行，确保拟进行的交易符合相关适用法律，并承担相关的费用；
(c) 就客户与银行之间的任何交易，应银行不时作出的要求，自担费用签署相关文件，向
银行提供相关担保，并且完成相关的行为或文件；
(d) 在客户的任何账户及/或任何产品和服务的信息(包括客户的地址、电话和传真号码和指定的电子邮件地址(如有))出现变化的时候，书面通知银行，并且向银行提交银行不时要求提供的相关信息和文件；
(e) 提供关于客户、其股东、董事、管理人员或银行不时的要求的其他人员的信息资料；
(f) 不利用账户及/或任何产品和服务进行任何洗钱活动，不利用任何非法、犯罪所得进行
账户及/或任何产品和服务项下的任何投资和交易。
12. 违约
12.1 下列事件应视为违约事件：
(a) 客户未能遵守本条款和条件项下的任何条款；
(b) 如果客户未能适当支付任何到期协议项下的任何应支付款项，或是见索即付情况下相关的要求付款的主张已经提出而未能付款，或在到期时应按相关条款交割基础资产而未能交割，或是见索即交付情况下的交付要求已经提出而未能交付；
(c) 如客户做出的，或者可被认为或默示将做出的任何xx、声明和保证在做出时在任何实质方面被证明是不正确或具有误导性的，或在此之后的任何时间成为不正确的；
(d) 导致在其到期日和支付日前将要或已经或能够被宣布提前到期应付的客户的任何负债或责任的违约事件（无论如何描述），或如果客户在到期或被要求时未能适时支付该等安排项下的任何款项；
(e) 客户的营业执照被吊销；或
(f) 客户被撤并、解散、破产或者关闭。
12.2 在不损害银行在本条款与条件或其他适用法律项下任何其他权利的情况下，如发生任何违约事件，银行可以（但无义务）立即或在其之后的任何时间，采取下列任一项或多项行动：
(a) 中止（永久或其他）或终止任何账户及/或与任何产品和服务相关的任何交易，并且宣布客户对银行的任何及所有负债和义务加速到期以使该等负债或义务立即到期应付；
(b) 终止所有未结交易（包括终止该交易之日尚未结算的任何交易）；
(c) 代表客户通过交易或达成进一步交易以弥补相关的风险；
(d) 采取合理谨慎人士在同等情况下应采取的其他行动以保护银行的利益；
(e) 行使银行在法律、任何相关交易所、票据交换所和存款处的规则或本条款和条件项下享有的任何其他权力或权利；
(f) 将客户账户及/或与任何产品和服务相关的任何贷方余额，不论性质，用于偿还客户欠付银行的款项，或针对客户行使银行的抵销权；和/或
(g) 在将客户账户及/或与任何产品和服务有关的任何贷方余额用于偿还客户对银行的欠款后或对客户行使抵销权后，向客户要求偿还任何不足金额，冻结客户的任何其他义务全部结算后的剩余金额，或通过银行同意的方式向客户支付任何剩余金额。
13. 账户的中止、变更和撤销/终止服务
13.1 账户的中止
银行可自行酌情决定拒绝接受任何存款、设定存款限额、退回全部或部分存款或在以合理方式通知客户的情况下随时酌情决定暂时中止任何账户的运作或结束任何账户。银行在采取上述任何措施时，无须向客户承担任何责任，也无须告知客户采取该等措施的理由。
13.2 账户的变更
客户变更其名称、地址或其他账户信息时，应于变更后立即向银行提出账户信息变更申请，并出具相关证明文件。
13.3 销户/终止服务
(a) 如果客户选择终止任何客户在银行开立的账户，客户应当在合理的时限内或按照银行不时确定的通知时限向银行发出终止通知。
(b) 受限于下述(g)项，在按照上述(a)项向银行提交相关通知后，客户可以至账户的开户
分行办理销户手续。
(c) 客户尚未清偿银行债务并且结清任何在此规定的交易，不得申请撤销账户。
(d) 如果账户在相关适用法律规定的期限内未发生收付活动（付息及银行从账户中扣除银行费用的情形除外），则该账户即可按照适用法律的规定被视为休眠账户，银行可向客户发出办理销户手续的通知。通知发出后，客户未能在相关适用法律规定的期限内至银行办理销户手续的，视同自愿销户，除非适用法律和银行的政策另有规定。
(e) 在任何时候，如发生任一违约事件或者任何适用法律法规规定应该关闭账户的情形，银行可基于自主判断，通过向客户发出通知并且列明相关违约事件的方式，(i)宣布所有欠付银行的金额立即到期应付；及(ii)可以关闭客户的账户和/或终止任何服务。
(f) 如果适用法律发生任何改变将导致银行操作该等账户变为不合法和/或根据适用法律中止相关服务，银行应该关闭账户。
(g) 撤销或关闭账户后，银行可按其认为适当的任何方式将账户余额（扣除就账户及服务应向银行支付的所有费用后）退还给客户，或转入银行的久悬未取账户专户管理。
(h) 尽管任何或所有服务或协议暂停或终止，客户将继续在客户仍需履行的义务或仍需清偿的负债相关的范围内受本条款和条件的约束。
13.4 银行按本条的规定关闭账户后，将不再承担任何责任。
13.5 银行根据本条决定撤销客户账户的，如银行因管理账户中的余额发生任何成本和费用，客户应全额补偿银行。
14. 投诉、法律责任及补偿
14.1 投诉
客户可以通过联系银行的服务中心、账户经理或其他银行可接受的方式向银行投诉。
14.2 法律责任及补偿
(a) 除非适用法律另有规定，银行对因下列情形导致客户遭受的任何损失或损害无须承担任何责任：
(i) 客户未遵守其在银行开立账户及/或接受产品及服务时所签署的任何文件，包括本条款和条件；
(ii) 银行按照任何经授权的指示或诚信原则或银行惯例行事；
(iii) 银行在依诚信行事的前提下，对通过电话、电子通讯或其他方式发出的任何指示
的误会或误解；
(iv) 由于客户的原因或者不在银行合理控制范围之内的原因导致客户不能进入或者利用银行所提供的电子银行服务；或者
(v) 由于不可抗力事件导致银行没有提供服务。
因银行或任何雇员、代理人或员工的重大过失或故意不当行为所导致的其他未经授权的交易造成的损失或损害除外。
(b) 客户同意充分补偿银行因下列事件所导致的所有费用和开支：
(i) 审议根据本条款和条件的要求需要银行给予同意的申请；
(ii) 实施或履行本条款和条件；
(iii) 按本条款和条件银行追回任何应收款项；
(iv) 参与为保护账户及/或任何产品及服务而发生的或与账户及/或任何产品及服务有关或由账户及/或任何产品及服务引起的任何性质的法律诉讼而花费的一切费用及支出（包括律师费及银行按银行确定的费率就银行雇员所花的时间计收的费用）。
(c) 若银行因接受任何账户及/或任何产品及服务或维持及运作账户及/或任何产品及服务或因客户的诈骗、疏忽或未经授权操作账户及/或使用任何产品及服务而蒙受或招致任何性质的法律行动、诉讼、索赔、付款要求、债务、损失、损害赔偿以及支出（包括按全额补偿基准计算的律师费），客户须充分补偿银行并使银行不受损害。
14.3 情势变迁和法律变化
如由于任何法律或其他法令，或任何主管机关的任何行为或威胁(法律上的或事实上的)，或任何声称政府的、监管的、军事的或政策力量的人，或与前述相关的原因而使得银行未能支付或迟延支付任何款项(不管支付的币种)或客户于银行开立账户及/或接受任何产品及服务项下可用贷款余额项下的存款，银行和任何分行及其分支机构都无义务(i)偿还该等款项或其他存款，或 (ii)由于银行操作客户的该等账户及/或接受任何产品及服务或与之进行交易而使客户承担的任何损失或损坏承担责任，除非该等损失或损坏是银行故意或欺诈行为而直接造成的。客户放弃其对银行或任何分行及其分支机构关于要求偿还前述款项、其他存款或要求赔偿该等损失或损害的权利(包括抵销的权利)。
14.4 间接损害不赔
除非适用法律另有规定，如银行对其任何作为或不作为、疏忽或过错需承担责任，其责任应仅限于直接损失或实际造成损害的数额和有关交易所涉及的数额两者之较少者。银行无须对由于该等作为、不作为、疏忽或违约造成的任何特殊的或间接的损失或损害负责。
15. 利息、税、服务费和付款
15.1 利息
(a) 客户在银行开立的计息账户将按照银行根据所有适用法律和银行的政策随时确定的利率计息。
(b) 对于任何账户余额为零的计息账户不再计息。
15.2 服务费
任何银行的服务费用应该根据银行不时规定的价目表而收取。
15.3 预提及税
银行可能在任何时候根据其选择从客户账户中计提所有客户有义务或将有义务支付、预付的所 有费用、佣金、花费、价钱和此类应该支付的所有款项。已经支付的费用和花费是不可偿还的。
客户应全额支付任何适用的法律要求银行就其在任何账户以及银行向客户提供的相关产品和服务项下收到和应收的任何款项支付的任何税（如增值税）、费或其他性质的款项。如客户需银行开立相关发票（如增值税专用发票），应在银行要求的时间内提供开立该等发票所需的全部信息。因客户未能及时提供所需信息，或提供的信息错误、不完整等任何非银行原因导致银行延迟或无法开立相关发票的，客户应自行承担相关损失及法律后果。
15.4 付款
客户根据本条款和条件的规定对银行的所有支付均应以相关账户及服务项下的币种（或在监管机构监管的情况下以人民币）向银行做出。款项应全额支付，并不得作任何抵销或扣减。如果法律要求客户须从任何付款中进行任何扣减或扣缴（基于税或其他原因），其应立即向银行支付一笔额外款项，以确保银行收到的款项为不要求做出任何扣减或扣缴时其本应收到的全部款项的金额。
15.5 其他
如果账户的余额低于银行不时规定的最低限额或者在银行所规定的一定期间内账户没有进行任何操作或被取消，则银行有权对任何该等账户的交易做出一定的限制，并且有权关闭该账户。
16. 抵销
16.1 银行或分行可无须事先通知客户，随时将客户在银行或分行开设的任何账户内尚存的任何存款余额进行组合或合并，并且无论付款地、银行办理业务的分行或双方各自义务所涉及的币种为何，银行或分行可以将客户对银行或分行的任何到期义务和银行或分行对客户的义务（如果该等义务尚未到期，则银行或分行可以采取任何行动将其到期日提前）相互抵销。
16.2 如果第 16.1 条中提及的债权和债务涉及不同币种，银行可按债务抵销时其依法公布的汇率折算债务。
16.3 如果第 16.1 条提及的任何债务尚未确定，银行可按其保存的资料核算债务并予以抵销。
17. 记录
17.1 客户在此同意银行可以（但无义务）对所有通过电话或其他通讯方式发出的指示进行记录。所有该等记录均属银行所有，并可以作为所发出指示的决定性证据，除非另有明确约定，对客户具有约束力。
18. 保密和信息披露
18.1 当客户的名称、地址、电话号码或者其他公司信息发生变更时，客户应当立即通知银行该等变更。客户应当对未能保证银行取得客户最新的公司信息所导致的所有后果承担全部责任。
18.2 受限于 18.3 的约定，银行应当对其可能知晓的任何与客户有关的信息(“客户信息”)保密。
18.3 客户在此同意并确认，为遵守所适用的法律和法规项下的义务、控制和管理风险或为从事和发展客户与银行之间业务关系之目的，银行有权不时向下列人士（不论在中国境内或境外）披露
或转移客户向银行提供的或银行以其他方式知悉的客户信息，包括但不限于银行在向客户提供服务以及向客户履行合约义务过程中获得的有关客户、交易和账户的信息以及与客户有关的任何其他信息，如客户的法定代表人、管理人员、董事、监事、经理、雇员、授权签字人或授权代表、股东、合伙组织的合伙人或合伙成员、实际控制人、受益所有人、指定账户持有人、指定收款人或其代表及代理的个人信息（“与客户相关的个人信息”）：
(a) 向银行的潜在或实际受让人或银行对客户权利的受让人或银行所有或任何部分资产或 业务的受让人或其权利与客户相关的人披露；
(b) 向任何担保提供方或以银行为受益人就银行的义务和负债向银行提供担保的任何人士披露；
(c) 向法国兴业银行总行、其他法国兴业银行集团内所有实体（包括分行、子公司、关联 方）、银行的分行、分支机构、关联方，该等人士或实体的承继人或受让人，银行的代理人或代表人，或向银行提供与银行经营业务有关的管理、电信、计算机、付款、证券结算、信用调查、保险人和再保险人、催收欠款或任何其他服务的任何代理人、代表人、合作伙伴、承包人或服务提供者，或向银行的审计师、会计师或中国或中国以外的法律顾问披露；
(d) 银行应任何司法管辖地的任何适用法律、法规或司法、准司法（如法庭或仲裁庭）的 要求而作出的披露；
(e) 银行为(i) 开户、管理、运营及审核；(ii) 后端部门和中间部门事宜，包括结算、处 理和报告；(iii) 信息系统管理、测试、存档和维护活动；(iv) 文件谈判、起草和管理；以及(v) 管理客户关系和/或为客户提供服务，包括为客户设计金融服务或产品而作出的披露；
(f) 银行与客户另行签署的任何其他协议项下客户授权银行做出的披露；
(g) 向银行应任何适用法律或法规或任何银行通常遵守的不具有法律效力的准则或指引的 要求向任何政府、准政府、监管、财政、金融、清算或交易所或其他机关、主体或人士（包括但不限于交易数据库或者向交易数据库传递客户信息的第三方服务提供商）披露；及
(h) 向任何其他有权要求银行披露的人士披露。
客户在此同意并确认，银行有权根据其《个人信息及隐私政策》收集、使用、披露或以其他方式处理与客户相关的个人信息。x 18 条涉及与客户相关的个人信息的规定补充但非替代银行的
《个人信息及隐私政策》。
18.4 为 18.3 之目的，客户在此声明：
(a) 其拥有充分的权利及授权披露与客户相关的个人信息。客户确认其已取得披露与客户 相关的个人信息所需的一切及全部的同意及授权，且履行完毕相关同意及授权所需的一切必要的手续。为本条之目的，该等同意及授权包括但不限于该等相关个人授权客户将相关信息披露给银行以及银行有权按照本条款及条件的规定进一步披露和使用或以其他方式处理相关信息；
(b) 就银行将如何使用或处理所披露的与客户相关的个人信息及其后果，客户已经向所有相关个人作了充分的说明，并且客户将在银行要求时提供前述事项的记录和证明；
(c) 如银行因客户信息和/或因客户未能获得本条(a)项所述授权同意或授权同意存在瑕疵而蒙受或招致任何性质的法律行动、诉讼、索赔、付款要求、债务、损失、损害赔偿 以及支出，客户将就此充分补偿银行并使银行不受损害。
18.5 银行在此确认，针对上述客户信息银行将采取必要的、合理的措施，妥善保管并使用客户信息。
18.6 客户或银行关闭账户及/或终止相关产品和服务不影响或终止客户对银行所持有的客户信息所作 的授权。
18.7 银行有权按照《中华人民共和国反洗钱法》和其他相关适用法律的规定采取预防、监控措施，建立健全客户身份识别制度、客户身份资料和交易记录保存制度、大额交易和可疑交易报告制度，以履行其反洗钱义务。客户应配合银行采取上述措施。
19. 通知和送达
19.1 银行通过下列方式发出的与本条款和条件或与本条款和条件项下的任何账户、产品及/或服务或收费有关的所有通讯（包括任何通知、对账单、请求、文书（如下文定义）或其它文件）应在以下任一情况下被视为已有效送达至客户，且对客户具有约束力：
(a) 如以专人递送，则在该通知被送达至客户地址之日;
(b) 如以邮寄递送，则于投邮后四十八（48）小时（若寄往中国境内的地址）或七（7）日
（若寄往中国境外的地址）;
(c) 如以传真或电子通讯方式发送，则在发送之日;
(d) 银行在营业场所放置或张贴相关通知或通告；
(e) 银行在报纸、电视、广播等媒体上刊登相关通知或通告；
(f) 将与银行提供的网上银行业务有关的通知或通告公布于银行的网站上，且无论客户是否已阅读该等通知或通告。
19.2 与账户及/或任何产品及服务有关的所有通讯（包括任何通知、对账单、请求、文书或其它文件）的传递风险由客户承担。银行对以邮寄、传真、电子通讯或其他书面形式进行的传送或递交过 程中发生的任何不准确、中断、错误、延误或传递失败不承担任何责任。
19.3 客户在本条款和条件项下向银行发送的任何通知或其他通讯须经客户或客户的授权人士正式签发并以书面做出，并在银行实际收到该等通知或通讯后方视为送达。
19.4 客户最初的通讯地址在账户委托书中载明。若银行所记录的客户的签署式样、地址或其他资料有任何更改，客户必须书面通知银行。客户特别确认，银行通过上述方式最后获悉的客户的通讯地址为其有效的送达地址（“送达地址”）。所有给客户的通讯（包括任何通知、对账单、文书和其它文件）按照上述第 19.1 条的约定到达送达地址时即视为有效送达，无论客户签收与否。
19.5 送达地址的适用范围包括非诉时各类通知、对账单、协议等文件以及就本条款和条件和/或账户发生争议及纠纷时相关文件和法律文书（“文书”）的送达，包括在争议进入仲裁、民事诉讼程序后的一审、二审、再审和执行程序后的所有及一切文书送达。
19.6 在不影响上述约定的情况下，因以下情形而进行的送达依然产生有效送达的法律后果，无论客户签收与否：
(a) | 因客户提供或者确认的送达地址不准确的； | |
(b) | 送达地址变更后客户未及时书面告知银行和仲裁机构、人民法院的； | |
(c) | 客户或有权签收人拒绝签收的。 |
20. 修订
20.1 银行对本条款和条件的任何修订、修改或补充应以银行不时认为合适的方式通知客户。如客户未能在发出通知之日起三十(30)天内提出书面异议，则该等修订、修改或补充应当被视为在该通知当中指定的时间得到批准并开始生效。如客户在前述期限内提出反对，则本条款和条件下的账户及/或相关产品和服务应该被终止。但为终止账户之目的，客户对账户及/或相关产品和服务进行的任何操作，包括在本条款和条件的修改通知发出之后向银行发出指示，均应视为客户接受修订。银行不对银行控制范围之外的任何费用或花费的变化进行通知。
21. 不弃权
21.1 除非适用法律另有规定，银行根据本条款和条件采取的任何作为或不作为均不影响其权利、权力或救济。
22. 转让
22.1 未经银行事先书面同意，客户不得转让其在本条款和条件项下的任何权利或义务。
22.2 银行可以通过仅向客户发出转让或转移通知，在任何时间向任何其他实体/个人转让或转移任何银行的账户及银行在本条款和条件及其项下任何协议和交易项下的权利和/或义务（该等转让和转移包括，银行发生改制、合并或任何组织形式的转换，银行将银行的权利和/或义务转让或转移予改制后的、继续存在的或新的实体），客户在此同意上述转让和转移通知可以是在全国性报纸和/或任何分行所在地的地方性报纸公告的方式，或适用法律允许的范围内银行酌情决定的任何其他方式作出。该等转让和转移不需要从客户取得同意函或批准函。尽管有该等转让和转移，本条款和条件将对客户持续有效，并且客户同意受所有相关条款的约束和持续约束。
23. 可分割性
23.1 不论何时，如本条款和条件的任何规定在任何方面成为不合法、无效或不可执行，本条款和条件其余条款的合法性、效力或可执行性均不受影响。
24. 语言
24.1 本条款和条件以中英文书就。若两种文本不一致，以中文文本为准。
25. 准据法律及争议管辖
25.1 本条款和条件受中国法律管辖，并按其解释。凡因本条款和条件引起的任何争议均应提交给中国的法院受其非排他性的管辖。本条规定不应限制银行在任何其他有管辖权的法院向客户提起诉讼，并且银行在一个或多个司法管辖区提起诉讼并不妨碍银行同时或于其他时间在任何其他司法管辖区提起诉讼。
25.2 若客户可在任何司法管辖区就其本人或其资产要求免于起诉、执行、扣押（无论是为执行目的，还是在判决之前，还是以其他方式）或其他法律程序，并且在任何该等司法管辖区内上述豁免 权（无论是否要求）可归属于其本人或其资产，则在该司法管辖区法律许可的最大范围内，客 户特此不可撤销地同意不要求上述豁免权，并特此不可撤销地放弃上述豁免权。
26. 营业时间和营业日
26.1 银行可以根据业务需要延展或变更银行的营业时间。分行发布的或以银行认为合适的其他方式发布的布告或通知将构成就上述变更向客户发出的书面通知。在银行延展或变更后的营业时间内进行的所有业务将被视为在正常营业时间内进行或支付。
26.2 在任何营业日的正常清算交割时间后收到的任何托收的金融工具应被视为于下一个营业日收到并记入客户的账户。
26.3 如果任何存款的到期日或银行作出支付之日为非中国的营业日，则该非营业日后的下一个营业日为到期日或作出支付之日。
27. 特别提示：在客户签署本条款和条件时，银行已就本条款和条件的全部条款向客户 进行了说明和解释；客户在此确认，客户对本协议的全部条款(包括但不限于加粗和/或加下划线的条款)的法律含义有准确无误的理解且均无疑义，并同意接受该等条款的约束。
附件1 活期账户条款和条件
x附件是关于活期账户（“活期账户”）及银行向客户提供的相关服务的特别条款和条件。除非本附件另有规定，账户和服务通用条款和条件的全部条款均适用于本附件，并应被视为已全部并入本附件。
1. 活期账户
1.1 “活期账户”系指可以在任何时间存入或支取任意金额的存款账户，但首次存款金额不得低于
银行不时确定的最低金额并且支取的金额也不得超过该活期账户的余额。
1.2 客户可以以一种货币（人民币或者外币）开立一个活期账户，账户最低金额由银行不时确定。
1.3 银行可以自行酌情决定根据适用法律不时向客户提供各种活期账户及服务。
1.4 客户可以向银行申请开立人民币结算账户或者，在下述情况下，选择其在银行已经开立的一个活期账户作为人民币结算账户：
(a) 使用诸如支票之类的信用支付工具；和/或
(b) 从事诸如汇款、一般信贷、一般借记卡、贷记卡业务和汇票支付等结算业务。
1.5 受限于中国法律，结算账户中只能存入人民币。
1.6 结算账户可以为投资、消费和结算之目的而开立，并且可被用于支付和结算业务。
1.7 有下列情形之一的，客户要求银行转账时，应向银行出具有关收款依据：
(a) 客户持出票人为单位的支票向银行委托收款，将款项转入其银行结算账户的；或
(b) 客户持申请人为单位的银行汇票和银行本票向银行提示付款，将款项转入其银行结算账户的。
2. 利息
2.1 活期账户的利息应当适用下列条款：
(a) 该账户以账户每日余额计息，利率为银行依法不时确定的同类型账户中有关货币之利率。但是，对于代收中的款项，即便已登记入账，亦须待银行实际收讫该款项后方可予以计 息。当日账户余额低于银行不时确定的最低限额时，不再计息；并且
(b) 结息相隔期间及方式由银行不时决定，利息将拨入账户内。
2.2 如果在一个利息期内，活期账户适用的利率依法调整，则活期账户的利息将不会按照在不同期间内调整后的利率计算而将按照银行在利息支付日公布的对活期账户适用的利率计算。如果该活期账户在利息支付日之前业已关闭，则该账户的利息将按照银行在账户关闭日宣告的对活期账户适用的利率计算并且利息将计算至账户关闭日的前一天。
3. 存款
3.1 客户于银行在任何分行所开立的账户存款时所收到的收据，必须盖有银行收数机印或由银行授权人士签名方可生效。
3.2 客户在离开银行柜台前应当仔细核对客户存款单或者银行签发的证明该等存款的其他文件，如
有任何错误，应立即通知银行。
4. 提款与付款
4.1 客户在营业时间内，可在任何分行提款。
4.2 客户应当在离开柜台前仔细核对存款确认通知单或者为确保所有项目的准确性而制作的存款存根。客户离开柜台后，银行不承担任何责任。
4.3 如果签名或盖章从表面上来看是客户的真实签名或盖章，则银行向申请提款的人所支付的任何款项应当被认为已经向客户支付。银行不对客户或者任何第三方因为该等支付所遭受的任何损失承担责任。
4.4 银行保留要求客户在提取任何款项前提交事先书面通知的权利。银行还保留以现金、电汇、本票、汇票或任何其他金融工具付款的权利。
4.5 银行保留要求客户在其进行大额存款或提款前提交事先书面通知的权利。客户可以向任一分行咨询关于存款或提款金额的有关限制。银行还保留按照银行不时确定的比率对大额存款或提款收取服务费的权利。
4.6 银行有权关闭所有账户余额为零并且该等情况持续一年以上的所有活期账户。
附件2 定期存款账户条款和条件
x附件是关于定期存款账户（“定期存款账户”）及银行向客户提供的相关服务的特别条款和条件。除非本附件另有规定，账户和服务通用条款和条件的全部条款均适用于本附件，并应被视为已全部并入本附件。关于每一定期存款的存期、币种、利率、汇率以及类似的其他项目的特定条款和条件将根据适用的法律和法规在开立账户时确定。
1. 开户
1.1 客户可以根据银行不时公布的定期存款类型在银行开立人民币或外币定期存款账户。
1.2 银行可以自行酌情决定根据适用法律不时向客户提供各种定期存款账户或其子账户，及其相关的服务。
2. 存款
2.1 定期存款账户的存款应一次性存入并且其金额不得低于银行所规定的最低限额。
3. 存期和利率
3.1 存期应当由客户根据银行的要求确定。
3.2 定期存款应当按照银行在账户开立日公布的对相应存期的定期存款适用利率计息。
3.3 在整个存期内的利息将自存期的第一天开始（包括该日）至到期日为止（不包括该日）按照银行根据适用的法律、法规和规章不时确定的单利利率计算。
3.4 存款金额在[3,000,000]美元（或与该数额等值的其他外币金额）以上的外币定期存款利息应当按照银行和客户不时商定的利率计算。存款金额低于[3,000,000]美元（或与该数额等值的外币金额）的外币定期存款利息应当按照银行依法不时确定的利率计算。
4. 存款到期
4.1 在存款到期时，客户可以提取所存款项或者将该款项按照客户在开户时所选择的下列方式之一处理：
(a) 以相同的存期自动转存；或
(b) 自动转入客户在银行开立的活期账户中。
如客户在开户时未选择定期存款到期时的处理方式，银行将以相同的存期为客户自动转存该笔定期存款。
4.2 当所存款项以相同的存期自动转存时，新存期内的利息将按照银行在该转存日公布的对该存期适用的利息率计算。
4.3 当所存款项自动转入活期账户时，利息将按照该活期账户适用的利率支付。
4.4 如果客户在到期日或该日之后提取大额现金，应当向银行发出事先通知。
5. 提前支取
5.1 如果客户在存款到期日之前要求提前支取存款，银行可酌情决定同意该等提前支取。
5.2 提前支取只能支取全部金额。该存款的利息将按照银行在该支取之日公布的对活期账户适用的利率计算。
附件3 通知存款账户条款和条件
x附件是关于通知存款账户（“通知存款账户”）及银行向客户提供的相关服务的特别条款和条件。除非本附件另有规定，账户和服务通用条款和条件的全部条款均适用于本附件，并应被视为已全部并入本附件。关于每一通知存款的存期、币种、利率、汇率以及类似的其他项目的特定条款和条件将根据适用的法律和法规在开立账户时确定。
1. 定义
1.1 在本附件中：
“通知存款”是指客户存款时期限不确定的存款，该存款在向银行发出事先通知说明提款日期和提款金额后方能支取。
“通知期限”是指自客户给予提款通知之日起至该通知中指定的提款日止的一段期间。如，通知期限在 “七日通知存款”中为七天，在“一日通知存款”中为一天。
2. 存款
2.1 在开立通知存款账户时，客户应当向通知存款账户一次性存入（人民币或外币）存款并且其金额不得低于银行所规定的最低限额，客户还应说明通知存款账户的通知期限。
2.2 银行可以自行酌情决定根据适用法律不时向客户提供各种通知存款账户及服务。
3. 利息
3.1 通知存款的利息将按照银行在提款日公布的、对相应期限的通知存款适用的利率和存款的实际期限计算并且连同未付的本金金额一起支付。
3.2 有下列情形之一的，通知存款的利息将按照活期账户适用的利率计算：
(a) 未提前通知而支取存款，或通知期限短于开户时约定的通知期限；
(b) 尽管事先发出提款通知且该通知已被银行所收悉，但在通知中指定的日期之前支取存款。
3.3 如果客户已事先发出提款通知并且该通知已为银行所收悉，但客户未能在通知期限届满时提取相应存款，则该存款将被自动转入客户在银行开立的活期账户中，并且自该日起，按照银行公布的对活期账户适用的利率计利息。
4. 提款
4.1 银行保留以现金、电汇、本票、汇票或任何其他方式还款的权利。
4.2 客户只能全额而不能部分支取每一通知存款。客户应当按照通知存款账户的类型给与事先通知或按银行要求的方式方能支取通知存款。如果银行在同一天收到两份以上的提款通知（无论这些通知是否以同一方式做出），则银行有权按照银行不时的规章行事。
4.3 在客户通知中指名的通知存款到期日，通知存款的金额将自动转入客户预先指定的活期账户中。一旦
客户发出通知，该等通知即应被视为有效并且不可撤销。
GENERAL TERMS AND CONDITIONS FOR ACCOUNTS AND SERVICES
1. SCOPE OF APPLICATION
1.1 These General Terms and Conditions for Accounts and Services (“Terms and Conditions”) shall apply to any Account that is opened or to be opened by Client with Bank and Branch and any and all products and services provided by Bank to Client. Before applying to Bank for opening of the Accounts and/or accepting relevant products and services provided by Bank, Client shall read these Terms and Conditions carefully. By opening or using or continuing to use such Accounts and/or accepting any product and service provided by Bank after having received these Terms and Conditions, Client shall be deemed to have agreed to be bound by these Terms and Conditions, and the Accounts and/or the products and services shall be governed by these Terms and Conditions, other general terms and conditions prescribed by Bank from time to time and also by Bank's by- laws, regulations and practices, brought to the attention of Client by such means as Bank deems fit. Bank shall have its sole discretion to provide any product and/or service available in any of Bank’s locations to Client. Bank shall be entitled to prescribe any additional terms and conditions in relation to an Account and /or product or service provided by Bank and accepted by Client as it shall determine in its absolute and sole discretion. In case there are any issues in relation to the Account and/or the relevant products and services not covered by these Terms and Conditions, the then current supplementary/special terms and conditions of the relevant products and services and applicable laws and regulations shall apply.
1.2 These Terms and Conditions shall supersede any written document of similar nature that is previously released or publicized to or signed by Client.
1.3 For the purpose of this clause, in any event, these Terms and Conditions and other supplementary/special terms and conditions shall apply for any account opened by Client and /or any products and services used by Client. In the event of any conflict between these Terms and Conditions and the provisions set forth in the supplementary/special terms and conditions of the products and services provided by Bank accepted by Client, the provisions in the supplementary/special terms and conditions of the relevant products and services shall prevail.
1.4 Bank may, in accordance with applicable laws, conduct an annual review of any Account opened by Client. Client shall cooperate with such review and provide all documents and materials reasonably requested by Bank for the purpose of such review.
2. DEFINITIONS AND INTERPRETATIONS
2.1 Definitions
Unless otherwise provided herein, the capitalized terms used in these Terms and Conditions shall have the following meanings:
"Accounts" means any accounts and/or sub-accounts denominated in CNY and/or FCY that are opened and/or to be opened by Client with Bank and/or any Branch in the name of Client. “Account” means any one of such Accounts;
"Client" means a person (other than an individual) who has opened an Account with Bank and/or any Branch and/or accept any product and service of Bank;
"Account Mandate" means the Corporate Customer Information/Account Opening Form or such other relevant documents prescribed by Bank from time to time to be executed by Client in connection with an Account;
“Affiliate” means any corporation which is Bank’s holding company and/or any subsidiary or affiliate thereof including any office or branch of any of the aforesaid or any entity (whether or not corporate) owned wholly or partly by any of the aforesaid;
"Authorised Signatory(ies)" means any person (with specimen signatures) authorised by Client to give Instructions to Bank in connection with the Account and/or the relevant product and service as notified to Bank from time to time in such manner prescribed by Bank;
“Bank” means the bank mentioned in the Corporate Customer Information/Account Opening Form and/or application letter and/or other related document in relation to the products and services of Bank;
“Branch” means each of the branches and sub-branches (if any) of Société Générale (China) Ltd established in PRC;
“Business Day” means a day other than Saturday, Sunday or public holidays on which a bank in the PRC is generally open for business. If payment of an FCY is involved, means a day that banks are generally open for business in the principal financial center for that currency;
“Business Hours” means the time period for which Bank are open for business and the Business Hours may vary for each Branch, as notified from time to time;
“Data” means the information contained in or provided by way of electronic mail or any other telecommunications processes or electronic mode of communication acceptable to Bank;
“Force Majeure Events” means events beyond the reasonable control of the affected party, including any breakdown or failure of transmission, communication or computer facilities, postal strikes or other industrial actions, the failure of any market, or clearing house, or failure of any relevant correspondent or other agent for any reason to perform its obligations, war, hostility, riot, civil commotion, terrorist acts, sabotage or other blockade or embargo, requisition by any governmental, regional or local authority, or any agency thereof, or any law, regulation, edict, executive order or mandate of any such body (including any change in exchange control laws and regulations or any moratorium or restrictions on currency exchange or remittance), whether having the force of law or not or any act of God, fire, flood, frost, storm, explosion, or disease epidemics or chemical contamination;
“CNY” means the lawful currency of the PRC;
“FCY” means any foreign currency designated by Bank;
“Instruction” means any instruction given by Client to Bank through the communication method described herein or such other method as Bank may from time to time determine and offer to Client, whether oral (which include instructions given by telephone) or written (which include instructions given by facsimile transmission) from or purporting to be from Client or the Authorized Signatory(ies) in relation to the Account(s), Bank has the right to select the method of such Instruction and may require Client to provide any document Bank deems necessary;
“PBOC” means the People’s Bank of China and its local counterparts;
“PRC” means the People’s Republic of China which, for the purposes of these Terms and Conditions, excludes the Hong Kong Special Administrative Region, the Macau Special Administrative Region and Taiwan.
2.2 Interpretations
(a) "person" includes any business, an individual, enterprise, firm, company, corporation, joint venture, partnership and an unincorporated body of persons;
(b) In the English version, words and expressions used in the singular shall include the plural and vice versa and those in any particular gender shall include any other gender;
(c) Clause headings of the clause or sub-clause hereof are inserted for the convenience of reference only and shall be ignored in the interpretation of these Terms and Conditions;
(d) “including” or “includes” means including or includes without limitation;
(e) reference to “Bank”, “Branch”, “Client” or “person” includes its successors and assignees;
(f) reference to a law includes any law, rule, regulation, order, or such other document that has the effect of law, as being amended, supplemented or re-enacted from time to time;
(g) reference to a clause or a schedule is to a clause or a schedule of these Terms and Conditions;
(h) reference to a document is to that document as amended, supplemented or reissued from time to time.
3. ACCOUNT OPENING
3.1 Required Documents
When opening an Account with Bank, Client shall, in accordance with applicable laws and Bank’s relevant policies, provide Bank with the relevant documents and fulfill other conditions as required by Bank from time to time.
Bank shall have the right to request Client to provide a confirmation showing the documents received by Client from Bank in respect of the Account opening.
3.2 Bank’s Sole Discretion to Accept or Refuse
Bank may in its absolute and sole discretion accept or refuse an application to open an Account.
3.3 Limitations on Account
Bank shall be entitled, subject to applicable laws, to prescribe:-
(a) minimum and maximum amounts or balances in respect of the opening, operation and closing of accounts; and/or
(b) the available periods in the case of deposit.
3.4 Sufficiency of Funds
(a) Client shall ensure that there are sufficient funds in any Account in respect of which a service is offered for withdrawing or transferring funds or otherwise. Unless otherwise agreed between Bank and Client, Bank is not obliged to act on any Instruction for withdrawal or transfer if there are insufficient funds in the relevant Account.
(b) No Account may be overdrawn by Client.
3.5 Retention of Documents
(a) Bank shall have no obligation to retain any checks, drafts or other documents relating to any Account on Client’s behalf, except otherwise provided by applicable laws.
(b) Without prejudice to paragraph (a) above, save as otherwise provided by applicable laws, Bank may destroy all documents received by Bank in connection with any Account once Bank have arranged for these documents to be stored on microfilm or any other medium as Bank may consider appropriate.
3.6 Signature/Chop and/or other Identification Measures
(a) Client may agree with Bank to operate the Account using signature/chop and/or other identification measures. The use of the signature and/or chop shall at all time be in the same style of the signature and/or chop as the specimen registered with Bank. Client shall give prior written notice to Bank in respect of any change of specimen signature, seal, chop, address or other pertinent particulars recorded with Bank as identification measures. Prior to Bank’s receipt of such notice or Client’s application to change the signature/chop and/or other identification measures by agreed means, Bank shall be entitled to act or confirm Client’s Instruction or information on the basis of the relevant Instruction or information of Client then kept by Bank.
(b) In case Bank’s identification system is out of order due to any of Force Majeure Events and Bank fails to verify signature/chop or other identification measures provided by Client, Bank may reject the withdrawal or transfer of funds by Client or the conducting by Client of other transactions which may only be effected by verifying signature/chop and/or such other identification measures. Bank shall not be held liable for any loss incurred therefrom by Client.
(c) In case Bank’s identification system is out of order due to reasons other than Force Majeure Events and Bank fails to verify the signature/chop and or other identification measures provided by Client, Bank may also reject the withdrawal or transfer of funds by Client or the conducting by Client of other transactions which may only be effected by verifying the signature/chop and/or such other identification measures. Bank shall not be held liable for any loss incurred therefrom by Client except for those due to Bank’s gross negligence or wilful misconduct.
(d) Chops used for operating the Account should be kept in a secure place. In the event of loss, immediate notice must be given to Bank in writing and Bank shall not be liable for any payment made prior to receiving such written notice.
3.7 Approval
The opening of any Account by Bank will be subject, where applicable, to the prior approval of such Account by any relevant regulatory body.
3.8 Notification of Account Establishment
Bank shall, in accordance with applicable laws and Bank’s relevant policies, provide written notice to Client informing Client of the establishment of an Account. Client may operate and utilise all products and services associated with such Account following such notice.
3.9 Own Benefit
Client confirms and undertakes that all the Accounts shall be maintained and operated and all the transactions contemplated in respect of the Accounts shall be effected, solely for Client’s benefit and not for the benefit of any other person.
4. AUTHORIZATION AND INSTRUCTIONS
4.1 Authorization
(a) The range of products and services that Client may apply from Bank include any deposit, banking facility, investment and other products and services that Bank determines from time to time to the extent permitted by all applicable laws and policies. Bank may from time to time fix the minimum and/or maximum amount or value for any transaction to be conducted by Client.
(b) Client hereby authorizes Bank to deal with the services Client may choose from time to time pursuant to these Terms and Conditions.
4.2 Instructions
(a) All Instructions must be given by or on behalf of Client strictly in accordance with these Terms and Conditions, the Authorization and Indemnity (if signed), application form, board resolutions or other documents in respect of operational instructions Bank may require from time to time for the time being in effect in respect of such Account. All such Instructions shall be in writing or in such other methods agreed by Bank from time to time.
(b) All Instructions once received by Bank shall not be cancelled, withdrawn or amended unless Bank in its discretion agrees otherwise.
(c) Bank may elect not to act upon Client’s Instructions, even if Bank’s employee may have indicated Bank’s acceptance or willingness to accept it, where Client’s Instructions results in the total amount of orders exceeding the balance or the amount of facilities/products/services may at Bank’s sole discretion be made available to Client, but if Bank do so, Bank may elect which of such orders to execute in whole or in part.
(d) The specimen signatures and signing powers of Client or its Authorised Signatory(ies) communicated to Bank in writing shall remain in effect until such time as Bank receives written revocation of the same from Client.
(e) Bank shall be entitled but not bound to undertake further verification of the signatures other than by comparing them on face with the specimen signatures on record with Bank.
(f) Bank may refuse to act on any Instructions if such Instructions are inconsistent with any applicable laws.
(g) Bank shall be entitled to act in accordance with its regular business practice and procedure and will only accept Instructions insofar as it is (in Bank's opinion) practicable and reasonable to do so. For the avoidance of doubt, Bank is authorised to participate in and comply with the rules and regulations of any organisation which regulates the conduct of banking business and any system which provides central clearing, settlement and similar facilities for banks but, in each case, without liability for any acts or omissions on the part of the operator or manager of any such organisation or system.
5. DEPOSIT, INSTRUMENTS SETTLEMENT AND FUNDS TRANSFER
5.1 Deposit
(a) With Bank’s consent, Client’s deposits of cash or checks may be made at any Branch, and will be acknowledged, normally by a transaction advice bearing authorization by the relevant Bank’s authorized signatory.
(b) Bank reserves the right not to accept any deposit at Bank’s sole discretion. All deposits accepted by Bank shall be subject to and governed by these Terms and Conditions, the special terms and conditions relating to such deposit and other terms and conditions particularly relating to the deposit concerned set out on the deposit certificate or such other documents issued for such deposit.
(c) Bank reserves the right to require deposits to be made by immediately available funds in the same currency as that of the deposit. Any deposit accepted by Bank if not made by immediately available funds shall be subject to actual receipt of such funds by Bank, and may be cancelled by Bank if such funds are not subsequently received on the due date of the same. Interests, if any, will not accrue on such deposit before the actual receipt of such funds by Bank. In addition to other terms of the deposit, unless Bank otherwise agrees, no withdrawal of the deposit concerned will be allowed prior to such actual receipt. Client shall on demand indemnify Bank for any loss, payment, cost and expense arising out or as a result of such non-receipt.
5.2 Collection of Instruments
(a) Bank may transfer the proceeds under checks or other types of settlement instruments upon the entrustment of Client. Client’s Account with Bank shall be entitled to the settlement services provided by Bank in accordance with these Terms and Conditions. The proceeds under checks or other types of settlement instruments so entrusted to be transferred may only be remitted into Client’s Accounts upon the actual receipt by Bank of such proceeds.
(b) Bank shall exercise reasonable care in relation to the custody and presentation of checks and/or other types of settlement instruments presented by Client for collection but shall not be liable for any loss suffered by Client as a result of any material damage or destruction of checks/other types of settlement instruments or delay in payment thereof in the absence of gross negligence on Bank’s part. Unless otherwise provided by applicable laws, Bank shall incur no liability as a result of any damage or destruction of checks/other types of settlement instruments or delay in payment thereof in the
absence of any reason on Bank’s part while the checks/other types of settlement instruments are in the custody of any properly authorized third party through whom such checks/other types of settlement instruments are presented for collection.
5.3 Uncleared Instruments
(a) Client shall not draw against uncleared instruments deposited in Client’s Account until the proceeds or advice of final payment thereof has been received by Bank.
(b) If Bank permits Client to draw against funds to be transferred from any Account or to be collected, Client shall on demand reimburse Bank in full the amount so drawn either if Bank fails to receive the funds in full or in part at the time when it ought to have received them or after Bank has accepted the transfer, Bank is prevented from collecting or freely dealing with the funds in accordance with Bank’s usual banking practice.
(c) Furthermore, if Bank accepts any funds to be transferred in favor of Client or to be collected under the entrustment of Client in lieu of the settlement of the debts owed by Client to Bank, such debts shall only be deemed to have been settled upon receipt by Bank in full of such funds. With respect to the instruments that have to be cleared overseas, the collection schedule varies depending upon the country involved and Client shall make inquiry at Bank to determine the time required for advice of final payment. Bank reserves the rights to recover from Client any loss and/or expenses reasonably and properly incurred or sustained as a result of the non-payment of such instruments.
5.4 Funds Transfer Services
(a) Client shall provide accurate information regarding the receiving party to Bank for making out-going fund transfer. Client acknowledges that Bank is acting solely as Client’s agent when providing out- going fund transfer. The time of availability of funds at the receiving end of an out-going fund transfer is subject to the location and the banking practices of the receiving party.
(b) Bank will promptly notify Client if an out-going fund transfer could not be completed. Client accepts all the risks which may occur in the transmission of any out-going fund transfer, and Bank shall not be responsible for any loss or damage incurred or sustained by Client as a result of any delay or omission in such transmission in the absence of gross negligence or wilful misconduct on Bank’s part.
(c) In making an out-going fund transfer, Bank reserves the right to effect such transfer through any correspondent/agent/intermediary as Bank may from time to time determine in accordance with Bank’s operational requirements. Where conversion of currencies is required for making an out-going transfer, such conversion is subject to the applicable rate of exchange then publicized by Bank in accordance with applicable laws. In case of cancellation of an out-going fund transfer by Client, if the refund of the proceeds is to be made in a different currency, it will be made on the basis of the amount received by Bank at a rate determined by Bank on the day of refund while Client shall take the risk of the
fluctuation of such rate. Any charges and expenses incurred by the effectuation and cancellation of an out-going fund transfer shall be paid by Client and deducted from the funds remitted or the refunded amount. Unless otherwise provided by applicable laws, all cable or other charges and commission collected are not refundable.
(d) In the event of erroneous fund transfer, Client hereby authorizes Bank to deduct the erroneously transferred amount from the corresponding account without notice to Client.
5.5 Check Services
(a) Client shall not issue checks with payment amount exceeding its account balance with Bank or checks carrying chops or signatures different from its authorised signature sample left with Bank(Collectively, the “Bad Checks”).
(b) The People’s Bank of China will fine Client, who issues Bad Checks with no deception intent, the higher of CNY 1000 or 5% of face amount of the Bad Checks. Bank will take necessary measures pursuant to the requirements of the People’s Bank of China, other regulators, authorities and relevant laws and regulations.
(c) Bank is entitled to refuse to make payments under the checks and cease to provide check services or all settlement services for Client who issues Bad Checks exceeding the times permitted by the relevant laws and regulations within one year.
6. WITHDRAWALS
6.1 Withdrawals can normally be made at the counter of the Branch during Business Hours on each Business Day. Sums withdrawn from an Account (whether representing principal or interest) shall be in the currency of that Account that is acceptable to Bank or (at Bank’s discretion) in any other currency equivalent at Bank’s prevailing exchange rate.
6.2 Any payments made by Bank in good faith to a person producing a withdrawal or transfer form purporting to be duly signed and/or sealed or chopped by or on behalf of Client, shall have the same effect as if made by Client personally.
6.3 Notwithstanding anything mentioned in these Terms and Conditions, Bank may refuse any withdrawal of the deposit and/or interest if Client has any liability present or future, actual or contingent, several or joint, primary or collateral, or of whatever nature with Bank. Bank shall have the absolute discretion at anytime and without prior notice to first set-off any deposit and/or interest against such liability. Excess funds (if any) may then be withdrawn at Bank’s sole discretion.
6.4 Bank may, at Bank’s sole discretion and in accordance with all applicable laws, require a pre-notification for withdrawal over certain amount or withdrawal of certain currency, and refuse to pay cash of certain currency.
6.5 Bank reserves the right to:
(i) impose a limit on the amount of withdrawal of deposit;
(ii) require Client to provide supporting documents and, for the purpose of withdrawal of deposit, provide the relevant deposit confirmation, and/or receipt of notice; or
(iii) refuse any withdrawal of Client if, after withdrawal, the amount standing to the credit of the Account would be fall below the minimum amount required by Bank.
7. OVER THE COUNTER TRANSACTIONS
7.1 All operation of Accounts at the counter can only be made within Bank’s Business Hours on each Business Day. Accounts may be operated by Client at the Branch at which the Account is maintained and if so permitted by Bank at Bank’s absolute discretion at any other Branch so permitted. All such operation permitted at places apart from the Branch at which the Account concerned is maintained shall be subject to such terms and conditions, limitations and/or restrictions as Bank shall determine absolutely from time to time.
7.2 Client shall examine the transaction advice after each transaction and before leaving the counter to ensure that the appropriate transaction has been carried out correctly. SUBSEQUENT RECTIFICATION OF ANY ERROR MAY NOT BE POSSIBLE.
8. FCY ACCOUNTS
8.1 Bank may refuse to accept or effect any transaction under any FCY Account in a currency other than the currency in which such Account is denominated or in a currency which is not acceptable to Bank.
8.2 Without prejudice to any other provisions of these Terms and Conditions, all deposits into and withdrawals from any FCY Account must be in the currencies acceptable to Bank and, where the conversion of currencies is required, such conversion is subject to the applicable rate of exchange publicized by Bank in accordance with applicable laws regarding foreign exchange control at the time of the deposit or withdrawal.
8.3 Bank shall not be responsible or become liable for any diminution in the amount or the value of any amount credited to a FCY Account due to taxes, imposes or depreciation, nor for the unavailability of any currency due to restrictions on convertibility or remittance, or other similar causes beyond Bank’s control.
9. ACCOUNT RECONCILIATION AND ACCOUNT STATEMENT
9.1 Account Reconciliation
(a) Subject to the requirements of the applicable laws and regulations, Bank may set up a corporate account reconciliation (the “Reconciliation”) mechanism and reconciliate Account at a frequency of no less than
once per quarter and in the way solely decided by Bank. Client shall cooperate with Bank’s Reconciliation arrangements, and in case the Client does not respond within the Reconciliation period or has any doubt toward the Reconciliation result, Bank shall have the right to take relevant actions to check out the reason and properly control the transactions under Account.
(b) When the Reconciliation frequency and the way and the actions that Bank shall take up is adjusted by the applicable laws and regulations, the Bank shall have the right to adjust its Reconciliation mechanism according to the relevant provisions without consent from or notification to the Client.
9.2 Delivery of Account Statements
(c) Without prejudice to the provisions in Clause 9.1, Bank may issue an Account statement to Client every month (or at such other intervals as may be arranged by Bank) by means adopted by the Branches at their own discretion. However, Bank reserves the right not to send an Account statement to Client if there is no record of activity in the Account during the period to which the Account statement relates. The entries in the Account statement are not conclusive as to their correctness against Bank. Bank shall at Bank’s discretion be entitled to correct entries made in the Account statement and shall not be liable to Client or to anyone claiming through Client in respect of such corrections.
(d) Bank will, as the case may be and at Bank’s sole discretion, issue a consolidated Account statement to Client to inform Client of the details of all the Account activities conducted with Bank during that interval.
9.3 Notification of Errors and Correction of Statements
(a) Client should check the entries of each Account statement for errors or omissions or any unauthorized debit/transaction /credit caused by any reason, including forgery, false signature, fraud, unauthorized transaction, negligence of Client/other person (the above collectively refers to the “Errors”), and promptly notify Bank of any Errors or unauthorized debits.
(b) Unless Client objects in writing to any of the matters contained in any such statement within thirty (30) days after personal delivery of such statement to Client or, if posted, within the same period after Bank have put such statement into the post, Client shall be deemed conclusively to have accepted all the matters contained in such statement as true and accurate in all respects.
(c) Without prejudice to (a) above, Bank may, without taking any responsibilities to Client, rectify and/or correct the Errors in the Account statement caused by the errors or omission of Bank, and Bank will deliver a rectified Account statement to Client. An Account statement so rectified or corrected shall be binding on Bank and Client.
(d) If excess amount is credited to Client’s Account because of the errors, misconducts or omission of Bank or any other institutes or persons (including Client), Client must promptly refund the excess amount upon Bank’s request. Bank is entitled to deduct such amount from any of Client’s Account by or without giving a prior notice or refund demand to Client.
10. REPRESENTATION AND WARRANTIES
10.1 Client represents and warrants to Bank that (such representations and warranties will be deemed to be repeated by Client each time a transaction is entered into under the Account and/or any product and service):
(a) Client is a company duly incorporated and validly existing under the laws of the jurisdiction where it is incorporated and has obtained all authorizations (if necessary) to open an Account and/or accept any product and service with Bank;
(b) The Account and/or any product and service is held and/or accepted for Client’s own benefit and all the transactions and investment held or effected under the Account and/or any product and service are and will continue to be beneficially owned by Client free from any charge, lien, encumbrance or security interest of any kind other than as created in Bank’s favor or permitted by Bank in advance.
(c) These Terms and Conditions constitute Client’s legal, valid and binding obligations enforceable in accordance with their respective terms.
(d) All information supplied by Client in connection with the Account and/or any product and service is true, complete and accurate in all material respects. All personal information provided to Bank is legally sourced and has obtained legal and valid authorization consents from relevant individuals, and the Bank’s processing of personal information with respect to the Account and/or any product and service does not exceed the scope of authorization consents for personal information processing obtained by Client.
(e) The holding of the Account and/or any product and service and the transactions contemplated by these Terms and Conditions are within Client’s powers and capacity.
10.2 Anti-corruption and anti-bribery related representations and warranties
Client represents and warranties to Bank that, at all times throughout the term of these Terms and Conditions:
(a) It is aware of and commits to comply with the laws and regulations relating to the fight against corruption and influence peddling applicable to the execution of these Terms and Conditions;
(b) Neither Client nor, to its knowledge, any of the persons under its control (including its directors, officers and employees), nor any agent or intermediary that it has appointed to execute these Terms and Conditions:
(i) has committed An Act of Corruption or Influence Peddling;
(ii) is banned (or treated as banned) by a national or international body from responding to a call for tenders from, contracting with or working with that body due to proven or suspected Acts of Corruption or Influence Peddling;
(c) It has put in place, in compliance with applicable law and/or in a manner appropriate to its size and activity:
(i) books, records and accounts in reasonable detail for the execution of these Terms and Conditions; and
(ii) adequate rules and procedures to prevent any Act of Corruption and influence Peddling.
(d) Bank shall be entitled to terminate these Terms and Conditions by sending written notice to Client and take out any or several actions stipulated in Clause 12.2 of these Terms and Conditions, with immediate effect and without compensation, if Client has committed An Act of Corruption or Influence Peddling or its representations and warranties under this Clause 10.2 are no long valid (whether or not such breach can be remedied).
(e) For the purpose of this Clause,
(i) “An Act of Corruption” refers to a voluntary act, committed directly or indirectly through any person such as an intermediary third party, of (a) giving, offering, promising, or (b) asking for or accepting from, anyone (including a public official) ,for oneself or for a third party, any gift, donation, invitation, remuneration, or object of value, which would or could be perceived as an inducement to bribe, or as a deliberate act of corruption, in all cases with the aim of inducing a person (including a public official) to carry out their duties in an improper or dishonest manner and/or to obtain an improper advantage;
(ii) “Influence Peddling” refers to the voluntary act of (i) giving, offering or promising to anyone (including a public official), or (ii) accepting from anyone (including a public official) ,directly or indirectly, any gift, donation, invitation, remuneration, or object of value, for oneself or a third party, in all cases with the aim of abusing or as a result of having abused one's real or supposed influence and obtaining a favorable decision or undue advantage from a public official.
11. UNDERTAKINGS
11.1 So long as the Accounts and/or any product and service are maintained with Bank, Client undertakes:
(a) to pay on demand to Bank the balance which in any manner whatsoever shall be for the time being owing to Bank;
(b) to comply, at Client’s own cost, with all applicable laws required for all transactions contemplated under these Terms and Conditions whether in the PRC or elsewhere;
(c) to execute such documents, provide such security to Bank and do such acts or deeds at Client’s own cost as may be required by Bank at any time in connection with any transactions between Client and Bank;
(d) to notify Bank in writing of any change in Client’s information of the Account and/or any product and service (including Client’s address and telephone, facsimile and telex numbers and the specified e-mail address) (if any). And to forward to Bank such information or documents that Bank may require from time to time; and
(e) to supply the information about Client, its shareholder(s), directors, management or other people as Bank may require from time to time;
(f) not to use the Account and/or any product and service provided thereunder, and not to carry out any investments and transaction for the purposes of money laundering or from funds obtained from illicit or criminal activities under the Account and/or any product and service.
12. DEFAULT
12.1 An Event of Default (“Event of Default”) means the occurrence of one or more of the following events:
(a) Client’s failure to comply with any of these Terms and Conditions;
(b) if Client fails duly to pay any amount payable by Client when due or, if payable on demand, on demand or to make delivery of any underlying asset as required when due or, if deliverable on demand, on demand;
(c) if any representation, statement and warranty made, deemed or implied to be made by Client is proved to have been incorrect or misleading in any material respect when made or becomes incorrect at any time thereafter;
(d) an event of default (howsoever described) which results in any of Client’s indebtedness or liability becoming or being declared or capable of being declared due and payable prior to the date on which it would otherwise become due and payable or if Client fails duly to pay any amount under any such arrangement when due or on demand;
(e) Client’s business license is revoked by government authority; or
(f) Client has entered into any winding-up, dissolution, bankruptcy or closure procedure.
12.2 Without prejudice to any other right of Bank hereunder or otherwise at laws, on the occurrence of Event of Default, Bank may (but is not obliged to) immediately or at any time thereafter, do any one or more of the following:
(a) suspend (indefinitely or otherwise) or terminate any Account and/or any transaction of any product and service or herein, and accelerate any and all liabilities of Client to Bank so that they shall become immediately due and payable;
(b) terminate all outstanding transaction (including any transaction which has yet to be settled on the day on which Bank terminates such transaction);
(c) cover positions by trading or entering into further transactions on Client’s behalf;
(d) take such other action as a reasonably prudent person would take in the circumstances to protect Xxxx’x position;
(e) exercise any other power or right that Bank may have under applicable laws, the rules of any relevant exchange, clearing house, depository or these Terms and Conditions;
(f) apply any amounts of whatsoever nature standing to the credit of Client’s Accounts and/or any product and service against any amounts which Client owe to Bank, or generally exercise Bank’s right of set- off against Client;
(g) after any amounts standing to the credit of Client’s Accounts and/or any product and service are applied against any amounts which Client owe to Bank or after Bank’s general exercise of the right of set-off against Client, demand any shortfall from Client, hold any excess pending full settlement of any other obligations of Client, or pay any excess to Client in a manner permitted by Bank.
13. SUSPENSION, CHANGE AND CANCELLATION OF ACCOUNT OR TERMINATION OF SERVICE
13.1 Suspension of Account
Bank may at Bank’s sole discretion refuse to accept any deposit, set limitations on the amount of deposit, refund all or part of the deposit or suspend the operation of any Account or close an Account by a notice to Client at once in a reasonable manner. Bank shall not be liable for any of Client’s loss arising out of the adoption of the aforementioned measures, nor shall Bank be obliged to inform Client of the reasons for such measures.
13.2 Change of Account
Client shall apply to Bank for change of Account information and provide Bank with the relevant evidence immediately after such changes in name, address or other account information has taken place.
13.3 Closure of Account/Termination of Service
(a) If Client chooses to terminate any of Client’s Accounts held with Bank, Client is required to give Bank reasonable notice of termination or such other period of notice which Bank may specify to Client from time to time.
(b) Subject to paragraph (g) below, and after giving Bank the notice as indicated in the paragraph (a), Client
may come to the Branch with which the Account is originally opened to close the Account.
(c) Client should not apply for closure of the Account until full repayment of the debts owed by Client to Bank and settlement of any transaction hereunder.
(d) If an Account remains inactive for a period specified by the relevant laws (except for interest payment and the deduction of banking fees from such Account by Bank), such Account will be deemed as a dormant account in accordance with relevant laws, and Bank may give a notice to Client requesting closure of the Account. If Client fails to apply for closure of the Account within the period specified by applicable laws from the date of such notice, it shall be deemed as having accepted such closure unless otherwise provided by applicable laws and Bank’s policies.
(e) At any time while an Event of Default or any situation which will lead to the closure of the Account according to applicable laws and regulation has occurred, Bank may, at Bank’s sole and absolute discretion, by notice to Client specify the relevant Event of Default, and (i) declare that all sums owing to Bank be immediately repayable; and (ii) close the Account(s) and terminate Service(s) thereunder.
(f) Bank shall close an Account if any changes to applicable laws cause the operation of such Account by Bank illegal and/or suspend the relevant services pursuant to applicable laws.
(g) After closing an Account, Bank may refund any balance in the Account to Client in such manner deemed appropriate by Bank or transfer such balance into Bank’s unclaimed account after deduction of all the charges payable to Bank in connection with the Accounts and services.
(h) Notwithstanding the suspension or termination of all or any of the services and the agreements, Client shall continue to be bound by these Terms and Conditions to the extent that they relate to any obligations or liabilities of Client which remain to be performed or discharged.
13.4 Bank shall be released from any obligations or liabilities after having closed the Account in accordance with this Clause.
13.5 Client shall reimburse Bank for all costs, charges and expenses incurred by Bank in connection with the management of any balance in the Account in case Bank determines to close the Account in accordance with this Clause.
14. COMPLAINTS, LIABILITY AND INDEMNIFICATION
14.1 Complaints
Client may make a complaint to Bank by contacting Bank’s call centre, account manager or by other means acceptable to Bank.
14.2 Liability and Indemnification
(a) Unless otherwise provided by applicable laws, Bank shall not be liable for any loss or damage suffered by Client as a result of or arising from:
(i) breach of any documents signed by Client when opening the Account with Bank and/or accepting any product and service of Bank, including these Terms and Conditions;
(ii) Bank’s acts on any authorized Instruction or in good faith, or in accordance with usual banking practice;
(iii) any misunderstanding or misinterpretation of any Instruction whether given by phone, electronic means or otherwise (provided that Bank act in good faith);
(iv) Client’s inability of to gain access to or utilize any electronic service offered by Bank for the reason on Client’s part or under the circumstances that are beyond Bank’s reasonable control ; or
(v) Bank’s failure to provide services due to Force Majeure Events.
except where such loss or damage is caused by other unauthorized transactions arising from the wilful misconduct or gross negligence on Bank’s part or any of Bank’s employees, agents or servants.
(b) Client agrees to keep Bank fully indemnified from any costs and expenses arising from:
(i) examining the application which need to be approved by Bank in accordance with these Terms and Conditions;
(ii) implementing or performing these Terms and Conditions;
(iii) recovering any receivables pursuant to these Terms and Conditions;
(iv) any fees or expenses for litigations of any nature for the protection of the Account and/or any product and service or arising out of or in connection with the Accounts and/or any product and service (including the attorney fee and the expenses calculated at a rate determined by Bank and the time spent by Bank’s employees).
(c) Client shall keep Bank fully indemnified from all actions, suits, proceedings, claims, losses, liabilities, demands, costs and expenses (including attorney fees calculated on the basis of full compensation) for accepting any Account and/or any product or service or maintaining and operating any Account and/or any product or service or for fraud, negligent or unauthorized use of such Account.
14.3 Changes of Law or Circumstances
If, by reason of or in connection with any applicable law or other act or any action or threat of any authority (de jure or de facto) or any other person asserting governmental, regulatory, military or police power, Bank fails or delays in the repayment of moneys (regardless of the currency of payment) or other deposits standing to the credit of any Account of Client with the Bank and/or any product and service accepted by Client, neither Bank nor any Branch, its subsidiaries or Affiliates shall be liable (i) for the repayment of such moneys or other deposits or (ii) in respect of any loss or damage suffered by Client due to or arising out of Bank’s handling or dealing with any such Accounts of Client and any such product and service accepted by Client, unless the loss or damage is a direct consequence of an act of willful default or fraud of Bank. Client waives any right, (including any right of set-off) which it may have against Bank or any Branch, its subsidiaries or Affiliates in respect of the repayment of such moneys or other deposits or in respect of any such loss or damage.
14.4 No Consequential Damages
Unless otherwise provided by applicable laws, if Bank is found liable for any act or omission, negligence or default, Bank’s liability shall be limited to the lesser of the amount of the direct loss or damage and the amount of the relevant transaction. Bank shall not be responsible for any loss or any special, consequential or indirect loss or damage arising out of such act, omission, negligence or default.
15. INTEREST, TAXES, SERVICE CHARGES AND PAYMENT
15.1 Interest
(a) Interest may be earned on the interest-based Accounts opened by Client with Bank and at such rates determined by Bank from time to time in accordance with all applicable laws and Bank’s policies.
(b) No interest may be earned on any interest-based Account if the credit balance in that Account is zero.
15.2 Service Charges
Any service charge by Bank shall be subject to Bank’s Tariff prescribed by Bank from time to time.
15.3 Withholding and Tax
Bank may debit at any time any Accounts of Client chosen by Bank with all such expenses, commissions, fees and charges and all such moneys so paid, to be paid or advanced or for which Client is liable or may become liable. Paid fees and charges are non-refundable.
The Client shall fully pay any tax(such as VAT), fees or make payment of any other nature which the Bank is required to pay under any applicable law in respect of the amount received or receivable under any Account and the related products and services provided by Bank to the Client. If the Client needs relevant invoices from the Bank (such as VAT specialized invoice), it shall, within the time required by the Bank, provide all information needed for the issuance of such invoices. The Client shall assume
relevant losses and legal consequences for any delay or failure of issuance of relevant invoices if such delay or failure results from the Client’s failure to provide information needed in time, its provision of error or incomplete information or any other reason not attributable to the Bank.
15.4 Payment
All payments made by Client to Bank pursuant to these Terms and Conditions shall be made in the currency to which the relevant Accounts and services are related, or CNY if regulated by the regulatory authority. The payments shall be made in full without any deduction or set-off. If Client is required by applicable laws to make any deduction or withholding (on account of tax or otherwise) from any payment for Bank’s account, Client shall pay such additional amount to ensure that Bank receive the full amount which it would have received if no such deduction or withholding had been required.
15.5 Others
Bank may impose some restrictions on the transactions of any Account if the balance is below the minimum amount prescribed by Bank from time to time, or it has no operation or is closed during a certain period prescribed by Bank and shall be entitled to close such Account.
16. SET-OFF
16.1 Bank or the Branch may at any time and without prior notice to Client combine or consolidate any balance standing to the credit of any of Client’s Accounts with Bank or the Branch and set off any matured obligation owed by Client to Bank or the Branch against any obligation (if such obligation has not matured, Bank or the Branch may take any action to move up the maturity date) owed by Bank or the Branch to Client regardless of the place of payment and the Branch through which Bank or the Branch is acting or the currency of either obligation.
16.2 If the obligations referred to in Clause 16.1 above are in different currencies, Bank may convert either obligation at the applicable rate of exchange publicized by Bank in accordance with applicable laws at the time of set-off.
16.3 If any obligation referred to in Clause 16.1 above is unascertainable, Bank may set off in an amount calculated on the basis of the documents and materials kept by Bank.
17. RECORDING
17.1 Client hereby agrees that Bank may (but shall not be obliged to) record Instructions given over the telephone and other means. All such recordings shall remain Bank’s property and shall be conclusive evidence of the Instructions given and shall be binding on Client, unless and until the contrary is established.
18. CONFIDENTIALITY AND DISCLOSURE OF INFORMATION
18.1 Client shall immediately advise Bank any change of Client’s name, address, telephone numbers or other corporate particulars. Client accepts sole responsibility for all the consequences of failing to let Bank have Client’s up-to-date corporate particulars.
18.2 Subject to Clause 18.3, Bank shall have the responsibility to keep confidential any customer-related information (“Client Information”) which Bank may have knowledge.
18.3 Client hereby agrees and confirms that, for the sake of complying with obligations under the applicable laws and regulations, controlling and managing risk or engaging in and developing business relationship between Client and Bank, Bank is entitled to disclose and transfer from time to time all Client information provided to Bank by Client or otherwise known to Bank to the following parties (regardless of within or outside China), including without limitation to information in relation to Client, transactions and Account obtained by Bank during the provision of services to Client and the performance of contractual obligation to Client and any other information about Client, such as the personal information of Client’s legal representatives, managements, directors, supervisors, managers, employees, authorized signatories or authorized representatives, shareholders, partners or members of partnership, actual controllers, beneficial owners, designated account holders, designated payees or their representatives and agents (“Client Related Personal Information”)”:
(a) the disclosure is made to potential or actual assignees of Bank’s rights, or of all or any part of Bank’s assets or business, or person whose rights are relevant to Client;
(b) the disclosure is made to any security provider or any person who has given security in Bank’s favor in respect of Client’s liabilities and obligations to Bank ;
(c) the disclosure is made to Societe Generale’s head office, all other entities (including branches, subsidiaries and affiliates) within the Societe Generale group, Bank branches, branches, affiliates, the successor or the assignee of such person or entity, agents or representatives of Bank, or any agents, representatives, partners, contractors or service providers that provide services of administration, telecommunication, computer, payment, securities clearance, credit investigation, insurance and reinsurance, debt collection or any other types to Bank in connection with Bank’s business, or to Bank’s auditor, accountants or legal counsels whether inside or outside the PRC;
(d) the disclosure is required to Bank by any applicable laws, regulations or judicial, quasi-judicial (such as court or arbitral tribunal) order of any jurisdiction;
(e) the disclosure is for (i) account opening, administration, operation and review; (ii) back and middle office matters, including settlement, processing and reporting; (iii) information system management, testing, archiving and maintenance activities; (iv) documentation negotiation, generation and management; and (v) managing clients relationships and/or servicing Client, including designing financial services or products for Client;
(f) the disclosure is authorized by Client to Bank under any other agreements entered into by and between Bank and Client separately;
27.1
(g) to any government, quasi-government, regulatory, fiscal, monetary, clearing or exchange or to other authorities, bodies or persons (including without limitation any trade repository or third party service provider used to transfer Client information to a trade repository) where Bank is obliged to do so by any applicable laws or regulations or pursuant to any code or guideline not having the force of law but with which Bank generally complies; and
(h) to any other person who is entitled to demand or request Bank to make disclosure.
Client hereby agrees and confirms that Bank has the right to collect, use, disclose or otherwise process Client Related Personal Information in accordance with the provisions of the <Personal Information and Privacy Policy> of Bank. The provisions of Clause 18 related to Client Related Personal Information are additional to and will not prejudice <Personal Information and Privacy Policy> of Bank.
18.4 For the purpose of Clause 18.3, Client hereby declares:
(a) it has full right and authorization to disclose Client Related Personal Information. Client confirms that it has obtained all consents and authorizations required to disclose Client Related Personal Information and has completed all necessary formalities required for such consents and authorizations. For the purposes of this clause, such consent and authorization includes, without limit to, that the relevant person has authorized Client to disclose the relevant personal information to Bank and Bank has right to further disclose and use or otherwise process the relevant personal information in accordance with the provisions of these Terms and Conditions;
(b) Client has adequately explained to all the relevant individuals and/or entities Bank’s intended uses or processings of the Client information so disclosed and the consequences thereof, and will provide records and proof regarding the foregoing items to Bank as requested;
(c) Client shall fully indemnify and hold Bank harmless from any legal action, litigation, claim, demand for payment, liability, loss, damages and expenses of any nature that is lead to Bank or incurred by Bank in connection with Client Information and/or caused by Client’s failure to obtain authorization consent described under Clause 18.4 (a) or any defect in the authorization consent.
18.5 Bank hereby confirms that it will take necessary and reasonable measures to properly keep and use the above Client Information.
18.6 The closure of any Account by Client or Bank and/or termination of any product and service shall not affect or terminate Client's above authorization in relation to Customer Information held by the Bank.
18.7 Bank shall have the right to adopt relevant prevention and supervision measures according to the PRC Anti- money Laundering Law and other laws, to establish and improve a customers’ identity identification system, a preservation system of customers’ identity information and transactional records, a reporting system of large sum transactions and doubtful transactions, and to perform its anti-money laundering obligations. Client shall work with Bank to adopt such measures.
19. NOTICE AND SERVICE
19.1 Any correspondence (including any notice, Account statement, request, Legal Document (as defined below) or other document) to Client from Bank in respect of these Terms and Conditions or any Accounts, product and/or service or charges governed under these Terms and Conditions shall be deemed as effectively served to and binding on Client under each of the following circumstances:
(a) if delivered in person, on the date when it is left at its address;
(b) if by post, 48 hours (in case of an address in the PRC) or seven (7) days (in case of an address outside the PRC) after post of mail;
(c) if sent by fax or electronic communication, on the day of dispatch;
(d) notice or announcement placed or posted at Bank’s place of business;
(e) notice or announcement advertised in any media including newspaper, television, radio and etc.;
(f) publication of relevant notice or announcement in relation to internet banking business on Bank’s website, whether or not Client have read such notice or announcement.
19.2 The risks in relation to the delivery of all communication correspondence (including any notice, Account statement, request, Legal Document or other document) in connection with the Accounts and/or related products and services shall be borne by Client. Bank shall not be liable for any inaccuracy, interruption, error or delay or total failure in transmission or delivery by post, facsimile, electronic communication or other written form.
19.3 Any notice or other communication given to Bank hereunder must be given in writing duly signed by Client or Client’s authorized person and shall be deemed as having been received by Bank only on actual receipt.
19.4 The initial contact details of Client are set out in the Account Mandate. Client shall give written notice to Bank of any change of signature, address or other pertinent information recorded with Bank. Client hereby confirms that its contact details last known to Bank through communication above shall be the effective address for service of Client (the “Address for Service”). All communication (including any notice, Account statement, Legal Document and other document) to Client shall be deemed as effectively served to Client once it is delivered to the Address for Service according to the provisions of Clause 19.1 above, no matter whether Client has signed for it or not.
19.5 The Address for Service applies to the delivery of documents including non-litigation related notices, Account statements and agreements, and the service of the relevant documents and legal documents relating to disputes and controversies arising from these Terms and Conditions and/or the Accounts (the “Legal Documents”)
which includes service of all and any Legal Documents during the arbitration proceedings and civil procedures (including first trial, second trial, retrial and execution proceedings).
19.6 Without prejudice to the preceding provisions, service under each of the following circumstances shall result in a legally effective service, no matter whether Client has signed for it or not:
(a) the Address for Service provided or confirmed by Client is inaccurate;
(b) Client does not notify the Bank, arbitration institution or court of any change to the Address for Service after such change in time;
(c) Client or any person entitled to sign for Client refuses to sign for the service.
20. AMENDMENTS
20.1 Any amendment, modification or supplement to these Terms and Conditions shall be notified by Bank to Client in such a manner Bank may deem appropriate from time to time. Such amendment, modification or supplement shall be deemed to have been approved and become effective on the date stated in the notice unless Client object to in writing within thirty (30) days from the date of such notice. In case Client raises its objection within the foregoing time limit, the Accounts and/or related products and services hereunder shall be terminated. Save for the purpose of terminating the Accounts, any operation of the Account and/or related products and services by Client, including the giving of Instructions to Bank after such notice of amendment to these Terms and Conditions shall be deemed acceptance of the amendment by Client. No notification shall be made by Bank in respect of any change in fees and charges hereunder beyond Bank’s control.
21. NO WAIVER
21.1 Unless otherwise provided by applicable laws, no act or omission by Bank pursuant to these Terms and Conditions shall affect Bank’s rights, powers or remedies.
22. ASSIGNMENT
22.1 No assignment of any of Client’s rights or obligations under these Terms and Conditions shall be effective without Bank’s prior written consent.
22.2 Bank may at any time assign or transfer any of Client’s Accounts with Bank and Bank’s rights and/or obligations under these Terms and Conditions and transactions hereunder to any other entity/person (such assignment or transfer includes, if Bank undergoes reconstitution, absorption or conversion of any form, any assignment or transfer by Bank of Bank’s rights and/or obligations to the reconstituted, surviving or new entity) by giving a notice of the assignment or transfer to Client. Client hereby agree that the notice of assignment or transfer may be in the form of a public announcement in the national newspapers and/or the provincial newspapers where any of the Branches is located, or any other forms to the extent permitted by applicable laws and at Bank’s sole discretion. No consent or approval from Client is required for such assignment or transfer. These Terms and Conditions will continue to be effective against Client, and Client
agrees to be bound and continue to be bound by all the relevant provisions notwithstanding such assignment or transfer.
23. SEVERABILITY
23.1 If at any time any of the provisions of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect, the legality, validity or enforceability of the remaining terms and conditions shall not be affected.
27.2 24. LANGUAGE
27.3
27.4 24.1These Terms and Conditions are written in both Chinese and English. If there is any discrepancy between the two versions, the Chinese version shall prevail.
27.5
27.6 25. GOVERNING LAW AND JURISDICTION
27.7
27.8 25.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the PRC. Any disputes arising hereunder shall be submitted to the non-exclusive jurisdiction of the PRC court. Nothing in this clause shall limit Bank’s right to take proceedings against Client in any other court of competent jurisdiction, nor shall the taking of proceedings in one or more jurisdiction preclude the taking of proceedings in any other jurisdiction, whether concurrently or not.
27.9
27.10 25.2 To the extent that Client may in any jurisdiction claim for itself or its assets immunity from suit, execution, attachment (whether in aid of execution, before judgment or otherwise) or other legal process and to the extent that in any such jurisdiction there may be attributed to itself or its assets such immunity (whether or not claimed), Client hereby irrevocably agrees not to claim and hereby irrevocably waives such immunity to the full extent permitted by the laws of such jurisdiction.
27.11
26. BUSINESS HOURS AND BUSINESS DAYS
27.12
27.13 26.1Bank’s Business Hours may be extended or otherwise changed by Bank in accordance with its business requirements. A poster or notice posted in any Branch or any other means deemed appropriate by Bank shall constitute written notice to Client of such change. All business transacted within Bank’s extended or changed Business Hours shall be treated as if it were transacted or paid during normal Business Hours.
27.14 26.2Any instruments received for collection after the normal clearing cut-off time on any Business Day shall be deemed as received for Client’s Account on the following Business Day.
27.15
27.16 26.3If any deposit matures or payment by Bank is to be made on a day which is not a Business Day in the PRC, then that date shall instead fall on the next succeeding day which is a Business Day.
27.17
27.18 28 Special Notice: Upon the execution of these Terms and Conditions by Client, the Bank has made explanations and interpretations with respect to all the clauses of these Terms and Conditions to Client; the Client hereby confirms that he/she has accurate understanding without any misunderstanding or doubt of legal meanings of all the clauses of these Terms and Conditions (including without limitation to the clauses in bold and/or underlined), and agrees to be subject to such clauses.
SCHEDULE ONE
Terms and Conditions for Savings Account
This Schedule is about the special terms and conditions applicable to a savings account (“Savings Account”) and related services provided by Bank to Client. Unless otherwise provided herein, the General Terms and Conditions for Accounts and Services shall apply to this Schedule as if they are expressly incorporated herein in full.
1. SAVINGS ACCOUNTS
1.1 “Savings Account” means a type of deposit account that can be deposited into or withdrawn from at any time of any amount, provided that the first deposit shall not fall below the minimum balance determined by Bank from time to time and withdrawal amount cannot exceed the amount available in the savings account.
1.2 Client may open a Savings Account originated in a currency (either RMB or FCY) and with the minimum balance determined by Bank from time to time.
1.3 Bank may, at its sole discretion, make available to Client various types of Savings Accounts and services in accordance with applicable laws from time to time.
1.4 Client may apply for opening a RMB settlement Account with Bank, or choose one of its existing RMB Savings Accounts with Bank as settlement Account under the following circumstances:
(a) using credit payment instruments such as checks; and/or
(b) conducting settlement business such as remittance, regular credit, regular debit business, and bill payment.
1.5 Subject to the PRC law, only RMB can be deposited into a settlement Account.
1.6 A settlement Account is opened for investment, consumption and settlement purpose, and may be used to carry out payment and settlement business.
1.7 Under any of the following circumstances, Client shall provide Bank with the relevant evidence for collection of payment when Client requests Bank to make funds transfer:
(a) Client lodges a check from a drawer which is an entity to Bank for collection of payment and the proceeds thereunder are to be transferred to Client’s settlement Account ; or
(b) Client lodges a bank’s draft or cashier’s order from an applicant which is an entity to Bank for payment and the proceeds thereunder are to be transferred to Client’s settlement Account.
2. INTEREST
2.1 Interest on a Savings Account shall be subject to the following provisions:
(a) Interest will accrue on the daily credit balances in such Account at such rates determined by Bank in accordance with applicable law from time to time for the applicable currency in the same type of account as that of the Account concerned. However, for items under collection, notwithstanding the posting of credit entries therefore, interest will only start to accrue as from Bank’s actual receipt of the funds therefore. No interest will be earned in respect of the days when the balance in the Account falls below the minimum amount as determined by Bank from time to time; and
(b) Interest earned will be credited to such Accounts at such intervals and in such manner as may be prescribed by Bank from time to time.
2.2 If the applicable interest rate of a Savings Account is adjusted by the law during an interest period, interest on the Savings Account will not be calculated by reference to the adjusted interest rates in different periods but will be calculated at the rate applicable to Savings Account as publicized by Bank on the interest payment date. If a Savings Account is closed before the interest payment date, interest on such Account will be calculated at the rate applicable to Savings Account as publicized by Bank on the date of closure and interest will accrue until the day immediately preceding the date of closure.
3. DEPOSIT
3.1 The receipts obtained by Client for deposits into a Savings Account at any Branch shall be effective only with the machine validation print or the signature of an authorized person of Bank.
3.2 Client shall carefully check each deposit slip or such other documents issued by Bank evidencing the deposit before leaving the counter of Bank and inform Bank as soon as possible in case of any error.
4. WITHDRAWAL AND PAYMENT
4.1 Client may, during the Business Hours, make withdrawal at any Branch.
4.2 Client should carefully check the deposit confirmation notice or any counterfoil made for deposits before leaving the counter to ensure that the entries made are correct. Bank shall be exempted from any liabilities after Client has left the counter.
4.3 Any payment made by Bank to a person applying for withdrawal shall be deemed as having been paid to Client if the signature or chop is, prima facie, the true signature or chop of Client. Bank should not be liable for any loss suffered by Client or any third party from such payment.
4.4 Bank reserves the right to require prior written notice from Client before Client make any withdrawal. Bank also reserves the right to effect repayment by cash, telegraphic remittance, promissory notes, drafts or any other instruments.
4.5 Bank reserves the right to require prior written notice from Client before it makes large-amount deposit or withdrawal. Client may make enquiry about the relevant limitations on the amount of deposit or withdrawal with any Branch. Bank also reserves the right to deduct a service fee from any Account for large-amount deposit or withdrawal at a rate determined by Bank from time to time.
4.6 Bank has the right to close all Savings Accounts opened for more than one (1) year and with zero balance.
SCHEDULE TWO
Terms and Conditions for Time Deposit Account
This Schedule is about the special terms and conditions applicable to a time deposit Account (“Time Deposit Account”) and related services provided by Bank to Client. Unless otherwise provided herein, the General Terms and Conditions for Accounts and Services shall apply to this Schedule as if they are set out herein in full. Specific terms and conditions for each time deposit concerning tenor, currency type, interest rate, foreign exchange rate, and other similar items will be agreed at the time of its set-up in accordance with applicable laws and regulations.
1. ACCOUNT OPENING
1.1 Client may open with Bank a RMB or FCY Time Deposit Account according to the time deposit type publicized by Bank from time to time.
1.2 Bank may, at its sole discretion, make available to Client various types of Time Deposit Accounts or sub-account of the same nature and services in accordance with applicable laws from time to time.
2. DEPOSIT
2.1 Deposit into a Time Deposit Account shall be made in lump sum and its amount shall not fall below the minimum amount prescribed by Bank.
3. DEPOSIT PERIOD AND INTEREST
3.1 The deposit period shall be determined by Client in accordance with Bank’s requirements.
3.2 Interest on a Time Deposit Account will accrue at the rate applicable to time deposits of the corresponding period as publicized by Bank on the Time Deposit Account opening date.
3.3 Interest will accrue throughout the deposit period from the first day of the deposit period (inclusive) to the maturity date (exclusive) at a simple rate determined by Bank in accordance with applicable laws, regulations and rules from time to time.
3.4 Interest on a FCY Time Deposit for an amount of [USD3,000,000] and above or the foreign currencies equivalent of such amount will accrue at the rate as agreed between Bank and Client from time to time. Interest on a FCY Time Deposit for an amount below [USD3,000,000] or the foreign currencies equivalent of such amount will accrue at such rate as determined by Bank in accordance with applicable law from time to time.
4. MATURITY OF THE DEPOSIT
4.1 Upon maturity, Client shall withdraw the proceeds of the Time Deposit, or such proceeds will be dealt with by either of the following way as chosen by Client when opening the Time Deposit Account:
(a) automatically roll-over for the same deposit period; or
(b) automatically transferred to a Savings Account opened by Client with Bank.
In case that Client fails to make such choice when opening a Time Deposit Account, Bank will automatically roll- over the Time Deposit for the same deposit period upon maturity.
4.2 Upon the proceeds of the deposit being automatically rolled-over for the same deposit period, interest of the new
tenor will be calculated at the rate applicable to such period as publicized by Bank on the date of such roll-over.
4.3 Upon the proceeds of deposit being automatically transferred to a Savings Account, interest will be payable at the rate of such Savings Account.
4.4 If Client wishes to withdraw large amount cash before, at or after maturity day, a prior notification to Bank is required.
5. EARLY WITHDRAWAL
5.1 If Client requests withdrawal of a Time Deposit prior to its maturity date, Bank may at its discretion permit such early withdrawal.
5.2 Early withdrawal is only allowed to be made in full amounts. Interest on such deposit will be calculated at the rate applicable to Savings Account as publicized by Bank on the date of such withdrawal.
SCHEDULE THREE
Terms and Conditions for Call Deposit Account
This Schedule is about the special terms and conditions applicable to the call deposit (“Call Deposit Account”) and related services provided by Bank to Client. Unless otherwise provided herein, the General Terms and Conditions for Accounts and Services shall apply to this Schedule as if they are set out herein in full. Specific terms and conditions for each call deposit concerning tenor, currency type, interest rate, foreign exchange rate, and other similar items will be agreed at the time of its set-up in accordance with applicable laws and regulations.
1. DEFINITION
1.1 In this schedule,
“Call Deposit” means the deposit whose term is not fixed when Client makes the deposit, and which shall be withdrawn by a prior notice to Bank specifying the date of withdrawal and call deposit number.
“Call Period” means the period from the date that a notice of withdrawal is given by Client to the date of withdrawal specified in such notice. For instance, the Call Period is seven days for a “seven-day Call Deposit” and one day for a “one-day Call Deposit”.
2. DEPOSIT
2.1 When opening a Call Deposit Account, Client shall deposit in a single lump sum (either RMB or FCY) above a minimum amount specified by Bank into the Call Deposit Account by debiting the amount from its own Savings Account and specify the Call Period of the Call Deposit.
2.2 Bank may, at its sole discretion, make available to Client various types of Call Deposit Accounts and services in accordance with applicable laws from time to time.
3. INTEREST
3.1 Interest on a Call Deposit will accrue at the rate applicable to Call Deposit of the corresponding term as publicized by Bank on the date of withdrawal and will be calculated on the basis of the actual period of deposit and paid in arrears together with the principal amount.
3.2 Under any of the following circumstances, interest on a Call Deposit will accrue at the rate applicable to Savings Account:
(a) Where the deposits are withdrawn without prior notice, or actual notice period is less than that decided when opening the Call Deposit Account;
(b) Where prior notice of withdrawal has been given to and received by Bank, however, the deposits are withdrawn prior to the date specified in such notice.
3.3 Where prior notice of withdrawal has been given to and received by Bank, and if Client fails to withdraw the relevant deposits, upon maturity of the Call Period, the deposit will automatically be transferred into its Savings Account opened with Bank, and from then on, interest will accrue at the rate applicable to the Savings Account publicized by Bank.
4. WITHDRAWAL
4.1 Bank reserves the right to repay Client by cash, telegraphic transfer, promissory note, draft or any other means.
4.2 Each Call Deposit shall be withdrawn by Client in full and no partial withdrawal is permitted. Client shall withdraw a Call Deposit by giving prior notice as per the type of the Call Deposit Account or in such a manner as required by Bank. If Bank receives two or more withdrawal notices of the same date (whether such notices are made in the same manner or not), Bank is entitled to conduct according to its rules from time to time.
4.3 On the maturity date of Call Deposit which is stipulated in Client’s notice, the proceeds of the Call Deposit will automatically transfer to the Savings Account pre-specified by Client. A notice once issued by Client shall be deemed as valid and can not be cancelled.
27.19