CALL DEPOSIT ACCOUNT – GENERAL TERMS AND CONDITIONS

　　銀行通知存款賬戶一般條款

　　NOTE: 1. Without limitation to the terms and conditions contained herein, all call deposits offered by HSBC Bank (China) Company Limited (the ‘Bank’) in the People’s Republic of China (but excluding Hongkong, Macao and Taiwan (the “Mainland China’) are subject to the General Terms and Conditions applicable to all accounts in the Mainland China

　　注意： 除本文件所述各條款外，適用于所有在中國(guó)(香港、澳門和臺(tái)灣除外)(下稱“中國(guó)內(nèi)地”)開(kāi)立于匯豐銀行(中國(guó))有限公司(下稱“本銀行”)的賬戶的“一般章則條款”亦適用于所有在中國(guó)內(nèi)地開(kāi)立于本銀行的通知存款賬戶。

　　2. This English version is for reference only. In case of any discrepancies between the Chinese and English versions, the Chinese version shall apply and prevail

　　英文本僅供參考。中英文本如有歧義，須以中文本為準(zhǔn)。

　　3. The customer shall refer to account holders where appropriate.

　　在適用時(shí)，客戶可指一人或一人以上。

　　1. The Bank’s acceptance of the customer’s application for opening a call deposit account with the Bank in the Mainland China (the ‘Account’) is based on the customer having read and agreed to the following terms and conditions.

　　本銀行接受客戶關(guān)于在匯豐銀行(中國(guó))有限公司(下稱“本銀行”)的中國(guó)內(nèi)地境內(nèi)各分支機(jī)構(gòu)開(kāi)立通知存款賬戶的申請(qǐng)乃基于客戶已經(jīng)全文閱讀并同意下列各條款。

　　2. A call deposit mentioned in these terms and conditions refer to a deposit denominated in Renminbi (“RMB”) or foreign currency, in respect of which the customer does not specify the time period of deposit at the time of placement but the customer must notify the Bank of the proposed withdrawal date and amount prior to the withdrawal.

　　本文件中規(guī)定的通知存款是指存款人在存入款項(xiàng)時(shí)不約定存期，支取時(shí)需提前通知本銀行，約定支取存款日期和金額方能支取的人民幣和外幣存款。

　　3. An account may be opened in such currencies and with such minimum deposit amount and minimum withdrawal amount as determined by the Bank, which may, at the Bank’s sole discretion, be changed from time to time. At present, the minimum deposit amount for a call deposit (whether denominated in RMB or other foreign currency) as required by the Bank is RMB50,000 (or its equivalent in relevant foreign currency) for a personal customer and RMB500,000 (or its equivalent in relevant foreign currency) for an entity customer, and the minimum amount of each withdrawal is RMB50,000 (or its equivalent in relevant foreign currency) for a personal customer and RMB100,000(or its equivalent in relevant foreign currency) for an entity customer.

　　開(kāi)立通知存款賬戶應(yīng)遵守本銀行有關(guān)幣種、最低起存金額和最低支取金額的要求，且本銀行

　　可隨時(shí)自主調(diào)整前述要求。目前，本銀行通知存款(無(wú)論是人民幣還是外幣通知存款)的最

　　低起存金額為：個(gè)人：五萬(wàn)元(或其等值有關(guān)外幣金額)，單位：五十萬(wàn)元(或其等值有關(guān)外幣金額);最低支取金額為：個(gè)人：五萬(wàn)元(或其等值有關(guān)外幣金額)，單位：十萬(wàn)元(或其等值有關(guān)外幣金額)。

　　4. The customer must place the call deposit with the Bank in one lump sum in accordance with the

　　requirement by the Bank or law in respect of the minimum deposit amount. In the meantime, the customer must select the type of call deposit (i.e. 1-day call deposit or 7-day call deposit), which

　　selection cannot be changed without the Bank’s consent.

　　客戶須按本銀行或法律法規(guī)規(guī)定的最低起存金額一次性將有關(guān)存款存入本行，并選擇通知存

　　款種類(即一天通知存款或七天通知存款)。未經(jīng)本銀行同意，客戶不得變更在通知存款存入時(shí)選擇的通知存款種類。

　　5. A call deposit can be withdrawn in one lump sum or by instalments. The customer must notify the Bank of a proposed withdrawal by no later than the time period of prior notice for withdrawal as agreed at the time of placement of the deposit (i.e. 1day or 7 days) (the “Period of Notice”), and the format of such notice shall be in accordance with the Bank’s requirement. If the Bank receives two or more instructions from the customer prescribing for the same proposed date of withdrawal (whether or not the customer gives such instructions by the same means), the Bank will act on all such instructions, unless otherwise expressly provided in such instructions. All the notices given by the customer must be made by the means as prescribed for or adopted by the Bank from time to time; otherwise, the Bank shall have the right to refuse to act on such notices without notice to the customer.

　　每一筆通知存款可以一次性提取，也可以分次提取。客戶支取通知存款時(shí)，應(yīng)至少按通知存

　　款存入時(shí)約定的取款時(shí)需提前通知的時(shí)間(一天或七天)(以下簡(jiǎn)稱“通知期限”)提前通知

　　本銀行，通知的格式應(yīng)符合銀行要求。若本銀行收到客戶的兩個(gè)或兩個(gè)以上載有相同取款日

　　的取款通知(無(wú)論客戶作出該等通知的方式是否相同)，除非該等通知中另有明確說(shuō)明，本銀行將執(zhí)行所有該等取款通知。所有的通知均須以本銀行不時(shí)規(guī)定或采納的方式作出，否則本銀行有權(quán)拒絕按該通知行事而無(wú)須通知客戶。

　　6. Unless otherwise provided herein, a call deposit shall accrue interest on a daily basis at the rate adopted

　　除非本文件另外有規(guī)定，通知存款每日按照當(dāng)日的本銀行掛牌公告的相應(yīng)利率計(jì)算利息

　　7. Subject to other provisions herein, if the customer requests for partial withdrawal of a call deposit, the Bank will agree to such request, provided that the amount of such partial withdrawal shall not be lower than the minimum amount of withdrawal required by the Bank or law. If the remaining balance of a call deposit after the withdrawal is lower than the minimum deposit amount required by the Bank or law, such remaining balance will be converted on the same day into a savings deposit account, which shall be subject to any terms and conditions applicable to savings deposit accounts. The customer may also instruct the Bank to convert such remaining balance into other types of deposits. If the remaining balance of a call deposit after the withdrawal is higher than or equivalent to minimum deposit amount required by the Bank or law, such remaining balance will be retained as a call deposit and the time period of such call deposit shall be calculated from the date of placement of the original call deposit.

　　在受本文件其他條款規(guī)定的約束的前提下，在客戶要求支取的金額少于己于存款金額的情況

　　下，本銀行可以同意客戶只實(shí)際支取部分存款，但不得低于本銀行或法律法規(guī)規(guī)定的最低支

　　取金額。如果客戶取款后剩余的通知存款低于本銀行或法律法規(guī)規(guī)定的通知存款起存金額，

　　剩余的通知存款于當(dāng)日自動(dòng)轉(zhuǎn)為活期存款，并適用本銀行有關(guān)活期存款的條款和條件;或根

　　據(jù)客戶指示并經(jīng)辦理其他類型的存款的申請(qǐng)和相關(guān)手續(xù)轉(zhuǎn)為其他類型的存款。如果客戶取款

　　后剩余的通知存款等于或高于本行或法律法規(guī)規(guī)定的通知存款起存金額，則剩余的通知存款

　　保留作為通知存款，從原開(kāi)戶日計(jì)算存期。

　　8. In any of the following events, the Bank shall have the right to re-compute the actual interest amount payable for the relevant amount withdrawn (i.e. the interest payment on the amount so withdrawn for the period from the Initial Value Day to one day before the withdrawal date shall be calculated on the basis of the Bank’s prevailing current account interest rate on withdrawal day), and determine the discrepancy between actual interest payment amount and interest which have been paid to the customer before actual withdrawal day for the relevant amount withdrawn and then settle the discrepancy from the withdrawal amount accordingly:

　　在發(fā)生下列任一情況時(shí)，銀行有權(quán)對(duì)支取金額重新核算實(shí)際應(yīng)得利息，即支取金額自存款起

　　始日起至支取前一日之間應(yīng)按支取日當(dāng)日銀行的活期存款利率核算的實(shí)際應(yīng)得利息，并按照

　　多退少補(bǔ)原則結(jié)付最終支付金額(即從支取金額中扣除支取日前銀行對(duì)支取金額已結(jié)付的利

　　息與實(shí)際應(yīng)得利息之間的差額)：

　　(a) the actual time period of deposit is shorter than the Period of Notice;

　　(b) the customer fails to notify the Bank of any withdrawal by no later than the Period of Notice prior to such withdrawal;

　　(c) the customer notifies the Bank of a proposed withdrawal by no later than the Period of Notice prior to such withdrawal, but withdraws in part or in whole the relevant amount prior to or after the notified withdrawal date;

　　(d) the amount of withdrawal is lower than or exceeds the amount stated in the withdrawal notice, the actual interest amount payable due to the discrepancy of actual withdrawal and notice withdrawal amount will be re-computed according to above mentioned principle;

　　(e) the amount of withdrawal is lower than the minimum withdrawal amount required by the Bank or law.

　　1. 實(shí)際存期不足通知存款存入時(shí)約定的通知期限的;

　　2. 未按通知存款存入時(shí)約定的時(shí)間提前通知而支取的;

　　3.已按通知存款存入時(shí)約定的時(shí)間辦理通知手續(xù)，但在通知中載明的提款日期之前支取或逾期支取全部或部分所通知的支取金額的;

　　4. 支取金額不足或超過(guò)取款通知中約定的取款金額，不足部分及超過(guò)部分按照上述核算標(biāo)準(zhǔn)計(jì)算應(yīng)得利息;

　　5. 低于本銀行或法律法規(guī)規(guī)定的最低支取金額的。

　　9. If the customer does not withdraw in whole or in part a call deposit after service of the relevant

　　withdrawal notice to the Bank, or if the customer cancels part or all of a withdrawal notice within the Period of Notice but prior to the proposed withdrawal date, the relevant withdrawal notice shall be deemed to have expired or have been cancelled. If the customer desires to withdraw any of the call deposit, a new withdrawal notice will be required to be made pursuant to the terms and conditions herein.

　　客戶作出取款通知后不按該通知全額支取通知存款，或在通知期限內(nèi)于該通知所載取款日期

　　前全部或部分取消通知的，視作客戶的通知已過(guò)期或取消，客戶如需支取任何存款，則應(yīng)當(dāng)

　　根據(jù)本文約定另行發(fā)出通知。

　　10. Any placement, renewal or withdrawal of a call deposit will be processed by the Bank on its business days.

　　任何通知存款的存入、續(xù)存和支取，均須在本銀行營(yíng)業(yè)之日辦理。

　　11. If any notice is received by the Bank on a day other than the Bank’s business day, it shall be deemed as having been received by the Bank on the following business day. If the notified date of withdrawal is a day other than the Bank’s business day, such withdrawal shall be processed on the following business day, provided that the Bank shall have the discretion to process the withdrawal on the business day preceding to such notified date withdrawal.

　　任何通知若于非本行營(yíng)業(yè)之日送達(dá)本銀行，則應(yīng)被視為于該日的下一日營(yíng)業(yè)日送達(dá)。通知存

　　款的任何支取若將發(fā)生于非本銀行營(yíng)業(yè)之日，則應(yīng)順延至該日下一個(gè)營(yíng)業(yè)日發(fā)生，但本銀行

　　有權(quán)酌情決定將之提前至該日的前一個(gè)營(yíng)業(yè)日辦理。

　　12. Account statements are sent at monthly intervals, unless otherwise requested. If there is no account activity within one or more months after the period covered by the most recent account statement, the Bank need not send the monthly account statement(s) for that/those month(s).

　　The customer agrees to examine each statement of account received from the Bank to see if there are any errors, discrepancies, unauthorized debits or other transactions or entries arising from whatever cause, including, but without limitation, forgery, forged signature, fraud, lack of authority or negligence of the customer or any other person (the ‘Errors’).

　　The customer also agrees that the statement of account shall, as between the Bank and the customer, be conclusive evidence as to the balance shown therein and that the statement of account shall be binding upon the customer, who shall be deemed to have agreed to waive any rights to raise objections or pursue any remedies against the Bank in respect thereof unless the customer notifies the Bank in writing of any such Errors within 90 days after personal delivery of such statement of account to the customer or, if posted, within the same period after the Bank has posted such statement of account or, if the customer agrees with the Bank to collect such statement of account at the counter of the Bank, within the same period after the date when such statement of account is generated in the Bank’s system (whether or not, and regardless when, the customer has collected such statement of account during that 90-day period).

　　除非客戶特別要求，本銀行將按月發(fā)出對(duì)賬單。如在最近一張對(duì)賬單所涵蓋的期間結(jié)束后一

　　個(gè)或數(shù)個(gè)月份沒(méi)有發(fā)生賬戶交易，本銀行無(wú)須就該一個(gè)或數(shù)個(gè)月份發(fā)出對(duì)賬單。

　　客戶同意審核本銀行所發(fā)出的對(duì)賬單，以檢查有否錯(cuò)漏或出現(xiàn)不論任何原因而引致的未經(jīng)授

　　權(quán)的扣款或交易或入賬，這些原因包括(但不限于)：假冒、冒簽、欺詐、未經(jīng)授權(quán)交易或客戶或其他人士的疏忽等(統(tǒng)稱為“錯(cuò)誤”)。

　　客戶亦同意，如客戶在本銀行專人遞送或寄出對(duì)賬單之后九十天內(nèi)，或(在客戶與本銀行另

　　有約定由客戶到本銀行柜臺(tái)領(lǐng)取對(duì)賬單的情況下)在本銀行系統(tǒng)產(chǎn)生對(duì)賬單之日(以對(duì)賬單

　　上的日期為準(zhǔn))起九十天內(nèi)(無(wú)論客戶是否及何時(shí)已領(lǐng)取該對(duì)賬單)，未以書(shū)面方式將任何錯(cuò)誤通知本銀行，則將被視為客戶已放棄就該對(duì)賬單而向本銀行提出異議或索賠的權(quán)利。

　　13. Accounts with zero balances or Accounts which remain inactive (other than the Bank’s debit of the Accounts for accrued bank charges, if any) for a continuous period of two years or more (or such shorter period as required by laws, regulations and rules) are liable to be closed by the Bank, in the absence of the customer’s specific instructions to the contrary within the period specified by the Bank.

　　若賬戶余額為零或連續(xù)兩年或兩年以上(或在法律、法規(guī)、規(guī)章規(guī)定的更短期間內(nèi))全無(wú)款

　　項(xiàng)收支(本銀行從賬戶中扣除銀行費(fèi)用(若有)的活動(dòng)除外)，本銀行有權(quán)撤消該賬戶，除非客戶在本銀行確定的期限內(nèi)另有相反指示。