22. 適用語文 Language

　　本總約定書以中、英文本簽訂，如中英文義有歧異之情事，以英文本為準(zhǔn)。

　　This Agreement is made and executed in both Chinese and English. In the event of any discrepancy between the Chinese and English texts, the English version shall govern.

　　23. 轉(zhuǎn)讓 Assignment

　　(1) 客戶同意銀行得經(jīng)書面通知客戶將銀行對客戶全部或部分之債權(quán)或在本總約定書下之

　　權(quán)利及其對擔(dān)保品所享有之權(quán)益轉(zhuǎn)讓予他人，由他人取得銀行原所享有之權(quán)益。銀行經(jīng)

　　授權(quán)可將有關(guān)客戶之信息透露予準(zhǔn)受讓人或主管機(jī)關(guān)。

　　The Customer consents that the Bank may, upon a written notice to the Customer, assign all or

　　part of its claim against the Customer in respect of the Liabilities or under this Agreement, and the Bank's interest on the Security to any persons who shall thereupon, to the extent of such assignment, become vested with all the rights and benefits of the Bank. The Bank is authorized to disclose any information concerning the Customer to any proposed assignee or to any supervisory or regulatory authority.

　　(2) 除非經(jīng)銀行事書面同意，客戶不得轉(zhuǎn)讓或移轉(zhuǎn)任何本總約定書下之權(quán)利或義務(wù)予他人。

　　Unless otherwise consented to by the Bank in writing, the Customer shall not assign or transfer any part or all of its right or obligations under this Agreement to any third party.

　　24. 連帶責(zé)任 Joint and Several Liability

　　如果本總約定書是由一位以上之客戶所簽訂，則本總約定書中客戶一詞應(yīng)包括其中任一人，且所有客戶于本總約定書下之義務(wù)應(yīng)負(fù)連帶責(zé)任。聯(lián)名賬戶的客戶就該賬戶運(yùn)作而對銀行之權(quán)利及義務(wù)屬連帶性質(zhì)。如客戶中任一人死亡或破產(chǎn)時(shí)，則本總約定書對客戶中之其它人仍繼續(xù)有效，且銀行在適用法律之拘束下，有權(quán)信賴客戶其它人的指示?？蛻糁兄魏我蝗送獠徽摫究偧s定書對客戶其中之任何人有無效或無法執(zhí)行之情事，本總約定書對其仍具拘束力。

　　If this Agreement is signed by more than one Customer, the term "Customer" used herein shall include each of them and they shall be held joint and several liability in respect the Customer's obligation under this Agreement. The rights and obligations of a Joint Account Customer to the Bank in respect of the operation of the Account shall be joint and several. In the event of death or bankruptcy of any such person of the Customer, the obligations of each other persons comprised in the Customer in respect of this Agreement existing at such time shall continue in full force and effect and the Bank shall be entitled to rely on the instructions of such other person(s) and subject to compliance with the applicable laws. Each of the persons comprised in the Customer agrees and consents to be bound by this Agreement notwithstanding that this Agreement may be invalid or unenforceable against any one or more of them.

　　25. 其它金融商品交易 Other Financial Products Transactions

　　如客戶欲與銀行進(jìn)行其它金融商品交易時(shí)，客戶應(yīng)另與銀行簽訂規(guī)范此等金融交易之相關(guān)合約書。

　　If the Customer intends to conclude other financial products transactions with the Bank, the Customer shall further execute the relevant agreement governing such financial products transactions with the Bank.

　　26. 稅捐 Taxes

　　凡擬由客戶付予銀行款項(xiàng)，客戶均不得以其對銀行主張抵銷或?yàn)槠渌鄬χ埱蟆？蛻魬?yīng)給付金額為凈稅金額，客戶不得自其中扣除銀行目前或?qū)響?yīng)負(fù)擔(dān)之稅捐(其中包括營業(yè)稅與加值營業(yè)稅，但經(jīng)銀行另以書面同意扣除者，不在此限)、扣除額、費(fèi)用或所得稅扣繳以及與給付有關(guān)之一切債務(wù)，但不包括就銀行之凈收入所課征之稅捐。凡客戶因依本約定書規(guī)定為付款，或因簽署、交付或登記依本總約定書交付(或其它與融資或擔(dān)保品有關(guān)之文件)，或?yàn)橹k理其它事項(xiàng)，現(xiàn)行或?qū)碡?fù)擔(dān)之印花稅、契稅、應(yīng)納之規(guī)費(fèi)、登記費(fèi)或類似費(fèi)用時(shí)，該等稅捐或費(fèi)用悉由客戶負(fù)擔(dān)，并且客戶應(yīng)視需要支付銀行額外款項(xiàng)，俾使銀行所實(shí)得之金額不低于本總約定書規(guī)定之金額?？蛻魬?yīng)將其因支付前開稅捐或費(fèi)用而取得之正式付款收據(jù)正本或經(jīng)認(rèn)證為真之副本送交銀行。倘銀行因之增加負(fù)擔(dān)時(shí)，就該額外之支出，客戶亦應(yīng)補(bǔ)償銀行。

　　Any and all payments by the Customer to the Bank shall be made without set-off or counterclaim and free and clear of and without deduction for any current or future taxes (including, unless otherwise agreed by the Bank in writing, gross business receipts and value added tax), deductions, charges or withholdings and all liabilities with respect thereto, excluding taxes imposed on the net income of the Bank. The Customer shall pay any current or future stamp or documentary taxes, registration fees or similar levies which arise from any payment made hereunder or from the execution, delivery or registration of, or otherwise with respect to, any instrument delivered hereunder or otherwise with respect to the Facilities or the Security, and pay to the Bank such additional amount as may be necessary so that the net payment received by the Bank is not less than the amount provided under this Agreement. The Customer shall deliver to the Bank originals or certified copies of the official receipts for such payments and shall indemnify the Bank for any additional payments with respect thereto.

　　27. 還款幣別 Currency of Repayment

　　如客戶任何非新臺幣債務(wù)到期時(shí)，客戶應(yīng)以該貨幣清償該債務(wù)并取得換匯必要之核準(zhǔn)。如客戶交付銀行新臺幣以取得外匯清償債務(wù)者，于該筆新臺幣款項(xiàng)未兌換為該相關(guān)外幣之前，客戶之債務(wù)不構(gòu)成清償。于交付至兌換時(shí)新臺幣與為該外幣間之匯率變動風(fēng)險(xiǎn)，悉由客戶承擔(dān)。

　　If any Liability is due in any currency other than New Taiwan Dollars, the Customer shall pay the sum due in such other currency and be solely responsible for obtaining the necessary foreign exchange approval, if any, for repayment of the Liability in the specified currency. If the Customer places New Taiwan Dollars with the Bank to acquire foreign exchange to make such repayment, such placement shall not constitute payment unless and until the sum so deposited is converted into the relevant currency, and the Customer shall bear all risk of currency fluctuation between the time of placement and the time of conversion.

　　28. 款項(xiàng)之抵充 Application of Payments

　　客戶對銀行所為之付款，其抵充債務(wù)之順序由銀行依適用之法律決定之。

　　All payments by the Customer to the Bank shall be applied to the Liabilities in such order of priority as the Bank shall elect in accordance with the applicable laws.

　　29. 定期審查 Periodical Review

　　銀行得定期審查客戶之資料，包括但不限于客戶身份、職業(yè)、財(cái)務(wù)背景、所得來源及賬戶用途，客戶同意于銀行所定期限內(nèi)提供銀行相關(guān)資料。除第 21條第(1)項(xiàng)所列資料外，銀行對客戶所提供之資料應(yīng)保密之不得泄漏予他人。如客戶逾期未提供相關(guān)數(shù)據(jù)或提供不實(shí)之?dāng)?shù)據(jù)，銀行得依其裁量以書面通知客戶終止客戶的賬戶。

　　The Bank shall periodically review the Customer’s information, including but not limited to the

　　identity, occupation, financial background, source of income and account usage. The Customer agrees to provide the Bank with such relevant information within the Bank’s designated time frames. Except for such information as provided in Section 21(1) herein, the Bank shall keep the Customer’s information confidential and shall not disclose the same to another party. If the Customer fails to provide relevant information within the designated period or provides false information, the Bank has the right to close the Customer's Accounts at its discretion by giving a written notice to the Customer.

　　30. 真實(shí)性 Accuracy

　　客戶所提供予銀行之各項(xiàng)文件及/或數(shù)據(jù)均為真實(shí)、正確且無誤，若有不實(shí)或不符之情形發(fā)生，客戶愿負(fù)擔(dān)一切相關(guān)之法律責(zé)任。

　　The documents and/or information provided by the Customer to the Bank shall be true, accurate,

　　complete and without falsehood. The Customer shall bear any and all legal liabilities for any such false statement and/or discrepancies.

　　31. 解釋 Interpretation

　　本總約定書內(nèi)可能含有之打印錯(cuò)誤，應(yīng)透過對本總約定書相關(guān)內(nèi)容上下文合理解釋之方式予

　　以處理。本總約定書所用標(biāo)題僅為方便參考，并不影響本總約定書之解釋。

　　Typo errors as possibly appeared in this agreement shall be handled through reasonable explanation of the relevant context of this agreement. The headings used in this Agreement are for convenience of reference only and are not to affect the construction of or to be taken into consideration in interpreting this Agreement.

　　B. 定期存款賬戶特別條款 Additional Terms for Time Deposit Account

　　1. 定期存款之利率依每一筆定期存款申請書及銀行隨后簽發(fā)的定期存款收據(jù)上之記載。

　　The interest rate for a particular time deposit is specified on each Application for Time Deposit and the time deposit receipt thereof issued by the Bank.

　　2. 對于新臺幣或外匯定期存款，客戶得依銀行定期存款須知之規(guī)定請求銀行在約定之到期日之前以存款幣別償付定期存款，但客戶提前終止定期存款者應(yīng)支付銀行相關(guān)手續(xù)費(fèi)用。

　　For a time deposit either in New Taiwan Dollars or in a foreign currency, the Customer may request the Bank to repay the time deposit in the denominated currency before the agreed maturity date in accordance with the Bank's Notes for Time Deposit. The Customer shall pay the Bank a handling charge for early termination of the relevant time deposit.

　　3. 定期存款到期前得中途解約，但客戶應(yīng)于至少兩個(gè)工作日以前通知銀行。定期存款中途解約利息之計(jì)算，系按實(shí)際存款日數(shù)依下列規(guī)定單利計(jì)息;若客戶與銀行間另有約定者，從其約定;(1) 存款未滿一個(gè)月時(shí)，不予計(jì)息;(2)存滿一個(gè)月未滿三個(gè)月時(shí)，照存款銀行一個(gè)月牌告利率或存單利率，何者孰低八折計(jì)息 ; (3) 存滿三個(gè)月未滿六個(gè)月時(shí)，照存款銀行三個(gè)月牌告利率或存單利率，何者孰低八折計(jì)息;(4) 存滿六個(gè)月未滿九個(gè)月時(shí)，照存款銀行六個(gè)月牌告利率或存單利率，何者孰低八折計(jì)息;(5) 存滿九個(gè)月未滿一年時(shí)，照存款銀行九個(gè)月牌告利率或存單利率，何者孰低八折計(jì)息;(6) 前述各牌告利率，以中途解約當(dāng)日之牌告利率為準(zhǔn)。

　　The Customer may instruct the Bank to early terminate the time deposit no later than two business days before the maturity date of the deposit. The interest on an early termination of the time deposit shall be calculated as follows based on the number of days of holding. However, if it is otherwise provided by the agreement between the Bank and the Customer, such agreement shall be followed. (1) No interest shall be paid, if the duration of holding is less than one month; (2) Interest shall be paid at a 20% discount based on the Bank’s posted interest rate for one month or the interest rate on the Bank’s certificate of deposit, whichever is lower, if the duration of holding is over one month but less than three months; (3) Interest shall be paid at a 20% discount based on the Bank’s posted interest rate for three months or the interest rate on the Bank’s certificate of deposit, whichever is lower, if the duration of holding is over three months but less than six months; (4) Interest shall be paid at a 20% discount based on the Bank’s posted interest rate for six months or the interest rate on the Bank’s certificate of deposit, whichever is lower, if the duration of holding is over six months but less than nine months; (5) Interest shall be paid at a 20% discount based on the Bank’s posted interest rate for nine months and the interest rate on the Bank’s certificate of deposit, whichever is lower, if the duration of holding is over nine months but less than one year; and (6) The Bank’s posted interest rate as above mentioned shall be based on the interest rate as posted on the date of early termination of the time deposit.

　　4. 客戶應(yīng)最晚于到期日前七個(gè)營業(yè)日內(nèi)提供銀行處理到期新臺幣定期存款之指示，如果客戶怠于為此指示，銀行得將客戶之定期存款本金連同利息，于扣除相關(guān)稅賦后，自動續(xù)約至相當(dāng)于前存款之期限，并以當(dāng)時(shí)適用之利率計(jì)算利息。

　　The Customer shall provide the Bank with instructions to dispose of the New Taiwan Dollar time deposit no later than seven business days before the maturity date of the deposit. If the Customer fails to give such instruction, the Bank may renew the deposit plus interest, after tax deduction, for a similar period at the then-prevailing interest rate.

　　C. 外匯存款賬戶特別條款 Additional Terms for Foreign Exchange Deposit Accounts

　　1.如作外匯存款的資金系以新臺幣兌換者，則利息的計(jì)算自兌換完成時(shí)起算。

　　For deposit in Foreign Currency converted from New Taiwan Dollars, interest will accrue when the conversion is completed.

　　2. 因遲延收受任何幣別支付或因匯率改變所生的任何成本，由客戶自行負(fù)責(zé)。

　　Any costs incurred as a result of any delays in receipt of payments for any currency or changes in

　　exchange rates resulting from delays will be for the account of the Customer.

　　3. 客戶應(yīng)最晚于到期日前兩個(gè)營業(yè)日內(nèi)提供銀行處理到期外匯定期存款之指示，如果客戶怠于為此指示，銀行得將客戶之存款，自動續(xù)約至相當(dāng)于前存款之期限，并以當(dāng)時(shí)適用之利率計(jì)算利息。

　　The Customer shall provide the Bank with instructions to dispose of the foreign exchange time

　　deposit no later than two Business Days before the maturity date of the foreign exchange deposit. If the Customer fails to give such instruction, the Bank may renew the deposit plus interest for a similar period at the prevailing interest rate.

　　4. 外匯綜合存款 Multiple Foreign Currency Deposit

　　(1) 外匯活期綜合存款賬戶之存款及提款皆以匯款為之?？蛻糇酝鈪R活期綜合存款賬戶提領(lǐng)

　　款項(xiàng)時(shí)，應(yīng)依銀行收費(fèi)標(biāo)準(zhǔn)支付交易手續(xù)費(fèi)。前開手續(xù)費(fèi)并得由銀行隨時(shí)修改調(diào)整，經(jīng)

　　顯著方式公開揭示于營業(yè)場所后生效。

　　All deposits into and withdrawals from the multiple foreign currency deposit account shall be made in the from of remittances. The Customer shall pay the Bank a standard handling charge fixed by the Bank when he/she/it withdraws funds from the multiple foreign currency deposit account. The above-mentioned handling charge may be adjusted by the Bank from time to time and shall be effective when it is disclosed publicly at the place of business of the Bank in a prominent manner.

　　(2) 外匯活期綜合存款賬戶之交易幣別包括美元、日圓、南非幣、歐元、加拿大幣、英鎊、澳幣、瑞士法郎、及其它銀行同意之貨幣，由客戶自行選擇一種或多種幣別，并得于法令許可之范圍內(nèi)隨時(shí)相互轉(zhuǎn)換?？蛻羧缧鑼⒖铐?xiàng)自一種外幣兌換成另一種外幣時(shí)，應(yīng)依交換當(dāng)時(shí)與銀行議定兌換該外幣之匯率計(jì)算。客戶應(yīng)自行承擔(dān)相關(guān)外匯價(jià)值波動及兌換損失之風(fēng)險(xiǎn)。

　　The transaction currencies of multiple foreign currency deposits include USD, JPY, ZAR, ECU, CAD, STG, AUD, SWF and other currencies as agreed by the Bank. The Customer may choose any currency or currencies for the multiple foreign currency deposit account and may convert the currencies from one into another at any time to the extent permitted by the law. Where the Customer needs to convert funds from one foreign currency into another foreign currency, the exchange rate shall be calculated according to the exchange rate between the said currencies as agreed with the Bank at the time of exchange. The Customer shall bear the risk related to any fluctuations of the value of the foreign currencies and any exchange loss.

　　(3) 外匯活期綜合存款賬戶為無單無折，客戶應(yīng)依銀行一般作業(yè)或電話銀行服務(wù)規(guī)章之規(guī)定

　　進(jìn)行交易。銀行得寄發(fā)綜合對賬單予客戶俾使其了解外匯活期綜合存款賬戶往來狀況。

　　There is no passbook or receipt for a multiple foreign currency deposit account. The Customer shall carry out transactions in accordance with the general practices of the bank or the provisions of the regulations governing telephone banking services. The Bank may mail combined statements to the Customer to let the Customer have an understanding of the transactions in a multiple foreign currency deposit account.

　　(4) 倘銀行因行使質(zhì)權(quán)或其它原因而須自外匯活期綜合存款賬戶取得款項(xiàng)時(shí)，客戶應(yīng)負(fù)外匯

　　結(jié)售或幣別轉(zhuǎn)換之義務(wù)客戶并授權(quán)銀行于必要時(shí)得代客戶辦理外匯結(jié)售或幣別轉(zhuǎn)換，以抵償擔(dān)保債務(wù)。該項(xiàng)授權(quán)非經(jīng)銀行同意，不得撤銷。

　　Where the Bank needs to withdraw funds from a multiple foreign currency account for purposes of enforcing a pledge or for other reasons, the Customer shall bear the obligation to attend to foreign exchange settlement or currency conversion. The Customer hereby authorizes the Bank to attend to foreign exchange settlement or currency conversion for the Customer, if necessary, in order to set off the secured debt. Such authorization shall not be canceled.

　　D. 融資條款 Additional Terms for Facility

　　1. 貸方賬戶 Credit Account

　　銀行應(yīng)于其帳簿內(nèi)開立以客戶為名之一個(gè)或數(shù)個(gè)貸方帳，以登載提供予客戶之融資的撥貸、

　　幣別、清償、提前清償、利息、費(fèi)用及與融資有關(guān)之其它應(yīng)付實(shí)付金額之計(jì)算與支付。若無

　　明顯計(jì)算錯(cuò)誤，則此等貸方帳即為客戶隨時(shí)積欠銀行款項(xiàng)之最終證據(jù)，對客戶具拘束力。此

　　外，凡經(jīng)銀行合法授權(quán)之主管就客戶當(dāng)時(shí)應(yīng)付金額出具證明表示該金額已屆清償期時(shí)，該證

　　明亦為終局之證明，對客戶具拘束力。

　　The Bank shall open and maintain on its books one or more credit accounts in the Customer's name showing the extensions and the currencies of the Facilities, repayments, prepayments, and computation and payment of interest, fees and other amounts due and paid with respect to the Facilities. Such credit accounts shall be conclusive and binding on the Customer as to the amount at any time due from the Customer absent manifest error in computation. In addition, a certificate signed by any duly authorized officer of the Bank stating that any amount owed by the Customer to the Bank is then due and payable, and shall be conclusive and binding on the Customer.

　　2. 客戶之違約情事 The Customer's Event of Default

　　(1) 下列任一情事均構(gòu)成客戶之違約情事：(i)客戶未清償對銀行或第三人之任何到期債務(wù)之本金; (ii)客戶自行或被他人依破產(chǎn)法聲請和解，聲請宣告破產(chǎn)或聲請重整;(iii)客戶日前經(jīng)營的主要營業(yè)失敗或停止?fàn)I業(yè);(iv)票據(jù)交換所宣告客戶為拒絕往來戶; (v)客戶怠于依銀行之要求以及相關(guān)約定履行提供擔(dān)保品之義務(wù);(vi)客戶之繼承人聲明為限定繼承或拋棄繼承;(vii)客戶因刑事控訴而被宣告沒收主要財(cái)產(chǎn); (viii)客戶未清償任何到期利息; (ix)擔(dān)保品被查封或擔(dān)保品滅失，價(jià)值減少或不敷擔(dān)保債權(quán); (x)依與擔(dān)保品有關(guān)之保險(xiǎn)單規(guī)定

　　應(yīng)繳納之保費(fèi)未經(jīng)按期繳納，或未經(jīng)銀行同意以向保險(xiǎn)公司借款之方式抵繳保費(fèi); (xi)客戶對銀行之借貸資金用途與銀行原核定之用途不符; (xii)客戶財(cái)物受強(qiáng)制執(zhí)行，假扣押、假處分或其它保全處分或?qū)⒂芍鞴軝C(jī)關(guān)指定之人接管控制客戶之此等財(cái)產(chǎn)或營運(yùn);(xiii)銀行獲悉客戶所提交之財(cái)務(wù)報(bào)表、合約或其它文件內(nèi)容系不真實(shí)或遺漏重要事實(shí);或(xiv)任何原因情事經(jīng)銀行合理判斷，認(rèn)為已造成或可能造成客戶財(cái)務(wù)狀況產(chǎn)生實(shí)質(zhì)不利之影響致銀行有不

　　能受償之虞。

　　Any of the following events shall constitute an event of default ("Event of Default"): (i) the Customer fails to pay any part or all of the principal of any facility owed to the Bank or to any third party when due; (ii) a voluntary petition for composition under the ROC Bankruptcy Law or for declaration of bankruptcy or reorganization is filed by the Customer or an involuntary petition

　　is filed against the Customer; (iii) the principal business presently engaged in by the Customer shall fail or shall be suspended; (iv) the Clearing House of the Republic of China shall determine and declare not to honor or accept bills, drafts or check s drawn by the Customer; (v) the Customer fails to perform the Customer's obligation of providing security in compliance with the relevant agreement; (vi) the Customer's successors declare limited succession or renounce succession upon the Customers' death; (vii) the Customer's major assets are declared to be subject to confiscation by reason of criminal charge;

　　(viii) the Customer fails to pay any part or all of the interest of the Liabilities when due; (ix) the Security is attached or extinguished, decreases in value or is insufficient to secure the Liabilities; (x) the premium upon any policy of insurance constituting or covering any part of the Security is not paid when due or is paid by premium loan of the insurer without the consent of the Bank; (xi)

　　the borrowed funds are not utilized for the purpose as originally approved by the Bank; (xii) the Customer's assets are subject to compulsory execution, provisional seizure, provisional disposition or other precautionary measures, or any trustee, or receiver, court or government authority shall take possession or control of such property or control over the operations of the Customer; (xiii)

　　the Bank shall learn that any representation or statement made in any financial statement, agreement or other document delivered to the Bank by or on behalf of the Customer is untrue or omits any material fact; or (xiv) any event of circumstance which shall be reasonably determined by the Bank to have resulted or is likely to result in a material adverse effect on the Customer's financial condition or operations, and its inability to repay its indebtedness to the Bank.

　　(2) 客戶如有上述第(i)款至第(vii)款情形，銀行無須經(jīng)請求或通知，如有第( viii)款至第(xiv)款情形，銀行于二十日前通知或催告客戶后，客戶對銀行所負(fù)之一切債務(wù)應(yīng)即視為到期，銀行得要求客戶立即清償，并得為下列行為： (i)以抵銷、變賣、拍賣或其它方式處分擔(dān)保品; (ii)提示銀行所持有客戶所簽發(fā)之任何本票;及(iii)為其它法律所準(zhǔn)許辦理之行為。

　　All Obligations shall forthwith become due and payable without demand, notice or any other action by the Bank in the event of the occurrence of any event as provided in the above items (i) to (vii) or after a prior twenty days' notice is given to the Customer in the event of the occurrence of the events as provided in the above items (viii) to (xiv), and the Bank may request the Customer to repay the Liabilities immediately without restriction by repayment previously determined by the Bank, and then may (i) dispose of the Security by set-off, private sale, auction or otherwise; (ii) present any promissory notes it holds for payment; and (iii) take all other actions permitted by law, without notice to the Customer except as required by law.

　　3. 或有債務(wù)之預(yù)付或付款催告 Prepayment of Contingent Liabilities/Cash Call

　　如客戶未清償?shù)狡趥鶆?wù)，或發(fā)生違約情事并在繼續(xù)中者，銀行得采取下列措施： (i)銀行得(但不負(fù)此項(xiàng)義務(wù))就其因代客戶或代他人(但由客戶保證或提供他種擔(dān)保)簽發(fā)信用狀、承兌書、保證書所有已生之或有債務(wù)(以下稱「或有債務(wù)」)，于到期日前提前清償其全部或一部?？蛻舨?yīng)于經(jīng)銀行請求立即歸墊貴行之提前清償金額，并按下列第4項(xiàng)規(guī)定之利率，就自銀行先行提前清償之日起至客戶歸墊之日止之期間，支付遲延利息;及/或 (ii)銀行得于通知客戶后(以下稱「付款催告」)要求客戶立即將與當(dāng)時(shí)未清償「或有債務(wù)」金額相等之款項(xiàng)，存入以銀行為名之一個(gè)或多個(gè)戶頭內(nèi)(以下稱「專戶」)。銀行得(但不負(fù)此項(xiàng)義務(wù))自該「專戶」領(lǐng)取款項(xiàng)用于清償?shù)狡诨蛱崆爸Ц度炕蛞徊恐富蛴袀鶆?wù)」。若該專戶內(nèi)之存款余額不足支付時(shí)，客戶應(yīng)依銀行之要求補(bǔ)足之，以供清償?shù)狡诨蛱崆扒鍍敗富蛴袀鶆?wù)」及其利息，但所有債務(wù)經(jīng)向銀行清償，且行亦已免除所有之「或有債務(wù)」之責(zé)任后，「專戶」內(nèi)之所有存款余額退還客戶。

　　If the Customer fails to pay any Liability when due or if an event of Default occurs and is continuing,

　　(i) the Bank may (but shall not be obligated to) prepay prior to maturity all or any portion of any

　　then outstanding contingent liability of the Bank under letters of credit, acceptances, guarantees or

　　other documents issued on behalf of the Customer or on behalf of other persons and guaranteed or

　　otherwise secured by the Customer ("Contingent Liabilities") and the Customer shall immediately on demand reimburse the Bank the sum so prepaid plus Default Interest from the date of such

　　prepayment by the Bank to the date of reimbursement at the rate specified in Section 4 below, and/or

　　(ii) the Bank may, upon notice to the Customer ("Cash Call"), require the Customer to immediately deposit into one or more accounts standing in the name of the Bank (collectively the "Special Account") a sum equal to the amount of any then outstanding Contingent Liabilities. The Bank may (but shall not be obligated to) draw from the Special Account any sums required to pay on maturity or prepay all or any part of the Contingent Liabilities. If the balance in the Special Account is insufficient, the Customer shall pay to the Bank such additional sums as are required by the Bank to make such payment or prepayment plus interest as provided above; provided, that upon repayment and payment to the Bank of all Liabilities and the release of the Bank from all Contingent Liabilities, the remaining balance, if any, in the Special Account shall be refunded to the Customer.

　　4. 遲延利息與賠償金 Default Interest and Indemnity

　　除融資文件、相關(guān)交易之合約、申請書或確認(rèn)書另有約定者外，客戶任何應(yīng)付而未付之款項(xiàng)

　　于客戶發(fā)生違約情事，經(jīng)銀行請求時(shí)，不論在法院判決前或之后，應(yīng)立即按銀行所訂該有關(guān)

　　幣別之短期放款所適用之利率加計(jì)百分之三或以法律所允許之最高利率(視孰者較低)加計(jì)

　　遲延利息(以下稱「遲延利率」)。遲延利息應(yīng)在法律規(guī)定所允許之范圍內(nèi)，按復(fù)利計(jì)算。除

　　遲延利息外，倘因客戶發(fā)生違約情事致銀行遭受損失或產(chǎn)生費(fèi)用時(shí)，客戶應(yīng)賠償銀行之損失，

　　和負(fù)擔(dān)銀行之費(fèi)用，并使銀行不因此而遭受損。

　　Except as otherwise provided in the Facility Documentation or the agreement, application or confirmation for the relevant transactions, the unpaid amount in the event of any Event of Default

　　shall bear default interest, payable on demand, both before and after judgment, at the rate determined by the Bank from time to time to be the relevant applicable rate for short-term loans in the relevant currency plus three percent (3%) or the highest interest rate permitted by applicable law, whichever is less ("Default Interest"), compounded to the extent permitted under applicable law. In addition to the payment of Default Interest, the Customer shall pay, and otherwise indemnify and hold the Bank harmless from and against, all losses, costs and expenses arising from such Event of Default.

　　5. 法律之變更 Change of Law

　　如有關(guān)法律規(guī)章及命令或其解釋或適用發(fā)生變更致銀行依法不得貸放或維持融資予客戶時(shí)，

　　該筆融資即不得貸放予客戶，客戶應(yīng)立即或在該法令準(zhǔn)許之較長期間內(nèi)，提前償還該筆融資，

　　或使銀行免除其就融資所承擔(dān)的或有債務(wù)。

　　If any change in any applicable law, rule or regulation thereof shall make it unlawful for the Bank to extend or maintain any Facility to or with the Customer, such Facility shall not be extended, and the Customer shall forthwith immediately, or within such longer period as may be allowed by such law, rule or regulation prepay the Liabilities or cause the Bank to be released from any contingent

　　liabilities under such Facility, as applicable.

　　6. 擔(dān)保品 Security

　　(1) 為擔(dān)保客戶對銀行之債務(wù)，客戶茲將擔(dān)保品設(shè)定擔(dān)保權(quán)利予銀行，客戶對之所享之一切

　　權(quán)益銀行對之享有擔(dān)保權(quán)益。客戶并承諾交付銀行表彰擔(dān)保品之一切書據(jù)與文件;并依銀行指示于該等書據(jù)與文件上背書。銀行得有時(shí)在法令許可之范圍內(nèi)，將客戶設(shè)定質(zhì)權(quán)予銀行之存款與客戶對銀行之債務(wù)予以抵銷或用以清償客戶對銀行之債務(wù)。

　　As security for the Liabilities, the Customer pledges the Security to the Bank, grants to the Bank a security interest in all rights, title and interest of the Customer in and to the Security, and undertakes to deliver to the Bank all instruments and documents evidencing the Security, endorsed as the Bank may direct. The Bank may at any time set off and apply, to the extent permitted by applicable laws and regulations, any and all of the Customer's deposits which are pledged to the Bank against the Liabilities.

　　(2) 客戶茲向銀行聲明與保證客戶或擔(dān)保品之提供人系擔(dān)保品之合法所有權(quán)人，除銀行外，未設(shè)定任何負(fù)擔(dān)于其它第三人?？蛻魬?yīng)維持擔(dān)保品之價(jià)值。如擔(dān)保品因任何原因有價(jià)值不足或就之有爭議發(fā)生時(shí)，客戶應(yīng)依銀行之要求立即更換擔(dān)保品或提供形式與內(nèi)容均足以讓銀行滿意之額外擔(dān)保品。倘擔(dān)保品經(jīng)收歸國有或被征用時(shí)，銀行代客戶收受任何相關(guān)給付，并得在適用法令許可之范圍內(nèi)，以之清償債務(wù)。

　　The Customer represents and warrants to the Bank that the Security is duly owned by it or by the provider thereof free and clear of any encumbrances in favor of any person other than the Bank. The Customer shall maintain and preserve the value of the Security in good order. If the Security is of insufficient value or subject to dispute for any reason, the Customer shall, at the Bank's request, immediately replace the Security or furnish additional Security in from and substance satisfactory to the Bank. If the Security is nationalized or otherwise expropriated, the Bank is authorized by the Customer to receive any payment on behalf of the Customer and to the extent permitted by the applicable laws and regulations, apply such payment to repay the Liabilities.

　　(3) 只要銀行認(rèn)為必要或適當(dāng)，客戶應(yīng)于經(jīng)銀行提出請求后，立即增加擔(dān)保品、保證或更換

　　之，該擔(dān)保品之形式與內(nèi)容以銀行滿意者為限。

　　If at any time the Bank determines such to be necessary or appropriate, the Customer shall upon demand furnish such additional Security or guarantees or replace same in from and substance satisfactory to the Bank.

　　(4) 客戶應(yīng)依銀行之要求及實(shí)務(wù)之需要，以其自已之費(fèi)用，就擔(dān)保品為必要之登記以保障銀

　　行對于擔(dān)保品所享之擔(dān)保權(quán)益，并且就擔(dān)保品向銀行所認(rèn)可之保險(xiǎn)公司投保適當(dāng)之保險(xiǎn)，保險(xiǎn)范圍及保險(xiǎn)金額應(yīng)為銀行所認(rèn)為適當(dāng)者，保險(xiǎn)金額不得低于擔(dān)保品之市價(jià)，并以銀行為保險(xiǎn)受益人，并交付銀行保險(xiǎn)證明文件。

　　The Customer shall, at the Bank's request and the needs in practice, effect all registration at its own costs with respect to the Security so as to protect the Bank's security interest on the Security and shall cause the Security to be duly insured with an insurer approved by the Bank with coverage and in amounts not less than the market value satisfactory to the Bank and shall name the Bank as beneficiary with respect thereto, and shall deliver the documents evidencing such insurance to the Bank.

　　7. 客戶之承諾事項(xiàng) Customer's Covenants

　　(1) 在融資未獲全數(shù)清償之前，客戶應(yīng)： (i)維持其公司之持續(xù)，以及維持為經(jīng)營其業(yè)務(wù)、營運(yùn)或擁有財(cái)產(chǎn)所有權(quán)所必要之執(zhí)照; (ii)有次序，有效率并正常地經(jīng)營其業(yè)務(wù); (iii)遵守

　　一切有關(guān)法規(guī)命令以及主管機(jī)關(guān)之命令規(guī)定; (iv)設(shè)置適當(dāng)之帳簿與紀(jì)錄; (v)于未遭課征滯納金之前即繳納對客戶、其收入、盈余或財(cái)產(chǎn)所課征之一切稅捐，并清償其它一切合法之請求，以免因未清償致使客戶之財(cái)產(chǎn)，包括擔(dān)保品在內(nèi)，有法定留權(quán)權(quán)、質(zhì)押擔(dān)?；蚱渌?fù)擔(dān)。

　　So long as any Facility remains outstanding, the Customer shall (i) maintain its corporate existence, if any, and all licenses necessary for the conduct of its business and operation or the

　　ownership of its properties; (ii) conduct its business in an orderly, efficient and regular manner; (iii) comply with the requirements of all applicable laws, regulations, requirements and orders of all governmental authorities having jurisdiction over it; (iv) keep and maintain proper books and records and (v) pay and discharge all taxes, assessments and governmental charges or levies imposed upon it, its income, profits or properties, prior to the date on which penalties attach thereto, and all lawful claims which, if unpaid, might become a lien, charge or encumbrance upon any of its properties, including the Security.

　　(2) 如銀行提出要求，客戶應(yīng)讓銀行之代表(包括其所聘用之獨(dú)立會計(jì)師或其它顧問)于正

　　常營業(yè)時(shí)間內(nèi)查核客戶與融資相關(guān)或履行清償融資債務(wù)有關(guān)之帳簿紀(jì)錄，并制作其摘錄。

　　Upon request of the Bank, the customer shall give any representative of the Bank (including any independent accountant or other consultant designated by the Bank) access during normal business hours to and permit the Bank to examine and make extracts from such of its books, records and documents as may be pertinent to its ability to perform in respect of or under the documents executed pursuant hereto and/or to inspect the Security.

　　(3) 在客戶未全部清償債務(wù)之前，客戶為公司組織者，應(yīng)于銀行所要求之時(shí)間內(nèi)，提供銀行

　　有關(guān)客戶公司之各類財(cái)務(wù)報(bào)表，包括但不限于資產(chǎn)負(fù)債表、損益表、保留盈余與股息撥

　　補(bǔ)表，包括前會計(jì)年度同期之金額。上開各種報(bào)表應(yīng)具備詳細(xì)合理之內(nèi)容，應(yīng)以新臺幣

　　為單位表示。此等財(cái)務(wù)報(bào)表應(yīng)系依中華民國一般適用之公認(rèn)會計(jì)原則編制，且應(yīng)經(jīng)客戶

　　之董事長或總經(jīng)理或財(cái)務(wù)主管簽發(fā)證明，表示據(jù)其適當(dāng)查核所知，客戶無違約情事或其

　　他經(jīng)通知或相當(dāng)時(shí)間后可能構(gòu)成違約之情事，或如違約情事已發(fā)生或進(jìn)行中時(shí)，則應(yīng)說

　　明該「違約情事」之性質(zhì)，以及客戶所已或擬采取之因應(yīng)措施?？蛻舨?yīng)依銀行隨時(shí)之

　　要求，送交銀行有關(guān)客戶財(cái)務(wù)及營運(yùn)情況之其它資料。

　　So long as the Customer has not yet fully repaid the Liabilities, the customer, in the case of a corporate entity, shall within the time required by the Bank provide the Bank with a copy of various financial statements, including but not limited to its balance sheet, a statement of income, retained earnings and dividends for such period including figures for the corresponding period of the preceding fiscal year, all in reasonable detail and stated in New Taiwan Dollars. Such financial statements shall be prepared in accordance with generally accepted Republic of China accounting principles consistently applied and be accompanied by a certificate from the chairman or the general manager or the chief financial officer of the Customer stating that to the best of his/her knowledge and belief after due inquiry no event which constitutes, or which with the giving of notice or passage of time or both could constitute an Event of Default, or if an Event of Default has occurred or is continuing, a statement as to its nature and the remedial action the Customer has taken or proposes to take with respect thereto should be provided. The Customer shall further provide the Bank with such other information concerning the financial condition and operations of the Customer as the Bank may from time to time request.

　　(4) 客戶應(yīng)隨時(shí)簽署蓋章并交付金額不超過債務(wù)最大金額本票、授權(quán)銀行填入本票到期日及

　　利息等事項(xiàng)之授權(quán)書以及其它文件或書據(jù)。此外，客戶亦應(yīng)辦理經(jīng)銀行認(rèn)為為達(dá)成本約定書及(或)完成、保全或?qū)崿F(xiàn)擔(dān)保品或任何基于其而產(chǎn)生之有關(guān)收入、股息、利息或其它收益所需或適當(dāng)之行為或事項(xiàng)。

　　The Customer shall from time to time execute, seal, sign and deliver promissory notes in an amount or amounts not exceeding the maximum amount of the Liabilities, power of attorney authorizing the Bank to fill in the maturity date or the relevant interest on the promissory note and all such other documents and instruments and do all such other acts and things as the Bank deems necessary or appropriate to carry out the intent hereof and/or to perfect, preserve or realize the Security or any income, dividends, interest or other benefits arising there under.

　　8. 查核 Inspection

　　如銀行提出要求，客戶應(yīng)讓銀行之代表(包括銀行所聘用之獨(dú)立會計(jì)師或其它顧問)于正常

　　時(shí)間內(nèi)進(jìn)入客戶營業(yè)場所查核客戶有能力履行其與銀行間融資交易義務(wù)之相關(guān)帳簿記錄及文件，并制作其摘錄。

　　Upon request of the Bank, the Customer shall give any representative of the Bank (including any independent accountant or other consultant designated by the Bank) access during normal business

　　hours to the Customer's place of business and permit the Bank to examine and make extracts from

　　such of the Customer's books, records and documents as may be pertinent to the Customer's ability

　　to perform its obligations under the facility transactions between the Customer and the Bank.

　　客戶資料 -個(gè)人 (Customer Information -Individual)

　　客戶姓名 Name of Customer

　　1) 客戶聲明所填寫之前述各項(xiàng)數(shù)據(jù)為正確且真實(shí)。若有任何改變，客戶將立即通知銀行。

　　The Customer hereby declares that all information specified above is accurate and correct and the Customer will immediately inform the Bank of any changes therein.

　　2) 就前列賬戶給予指示所使用之簽章，應(yīng)符合客戶提供銀行相關(guān)賬戶印鑒卡內(nèi)所留的簽章。

　　Instructions given to the Bank in respect of the above Accounts shall bear the signatures or seals on the signature cards provided to the Bank by the Customer for the relevant accounts.

　　3) 客戶同意日后之交易應(yīng)以客戶之名義，依銀行隨時(shí)公布相關(guān)賬戶之規(guī)定及其修正的規(guī)定為之，并愿就所有載有登記印鑒或有權(quán)簽字人員簽字的文件負(fù)責(zé)。

　　The Customer agrees that all transactions hereafter shall be made in accordance with the Bank's rules governing the relevant account(s) provided herein and amendments as published from time to time. The Customer specifically undertakes to assume responsibility for all instructions to the Bank bearing the above seal(s) or signature(s).

　　本客戶往來總約定書于下列日期簽訂。

　　This Agreement is duly executed on the date as specified below.

　　年(Year) 月(Month)日(Day)

　　客戶 Customer

　　客戶簽章 (Customer's seal/signature)