GENERAL CUSTOMER AGREEMENT

　　致：西班牙對外銀行 To: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

　　于相關(guān)法令允許之最大范圍內(nèi)，客戶同意下列條款與條件之規(guī)定：

　　To the greatest extent permitted by relevant laws and regulations, the Customer agrees to the

　　following terms and conditions:

　　(A部分 一般條款) (Part A - General Provisions)

　　1. 條文解讀與名詞定義 Interpretation and Definitions

　　1.1 于本約定書中： In this Agreement:

　　(a) 「資產(chǎn)」包括目前與未來之財產(chǎn)、營收與各種權(quán)利，且應(yīng)包括所有商品、匯票、本票、任何性質(zhì)之可轉(zhuǎn)讓票據(jù)、運貨提單、收貨單、交貨單、倉單與收據(jù)及其他所與商品、存貨、股份、現(xiàn)金、債券、存款其它證券等相關(guān)之所有權(quán)證明文件;

　　Assets include present and future properties, revenues and rights of every description and shall include all goods, bills of exchange, promissory notes, negotiable instruments of any description, bills of lading, dock receipts, delivery orders, godown warrants and receipts and other documents of title or documents relating to goods as well as stocks, shares, cash, bonds, deposits and other securities etc.;

　　(b) 「授權(quán)」包括授權(quán)、同意、核準(zhǔn)、決議、許可、豁免、申報、登記與公證;

　　Authorization includes an authorization, consent, approval, resolution, licence, exemption, filing, registration and notarisation;

　　(c) 「銀行」系指西班牙對外銀行;

　　Bank means BANCO BILBAO VIZCAYA ARGENTARIA, S.A.;

　　(d) 「客戶」系指附表所列之人;

　　Customer means the person(s) identified as such in the Schedule;

　　(e) 「文件」系指任何文件、匯票、所有權(quán)文件、運送單據(jù)、保單及透過銀行于進(jìn)口或出口交易所處理之任何其它文件;

　　Documents means any documents, drafts, bills of exchange, documents of title, transport documents, insurance policies and any other documents passed through the Bank, either under import or export transactions;

　　(f) 「違約情事」定義如 A-1 部分第 10 條所述;

　　Event of Default has the meaning provided in Clause 10 of Part A-1.

　　(g) 「匯率」系指由銀行決定，于相關(guān)時間、外匯市場，將一種幣別轉(zhuǎn)換為另一種幣別之當(dāng)時適用匯率，且銀行之決定為最終決定并對客戶具拘束力;

　　Exchange Rate means the rate for converting one currency into another currency which the Bank determines to be prevailing in the relevant foreign exchange market at the relevant time, such determination to be conclusive and binding on the Customer;

　　(h) 所稱人(person)包括自然人(individual)、公司、獨資經(jīng)營、合伙及前述各單位之繼任人及受讓人;

　　a person includes an individual, a company, sole proprietorship, partnership or body unincorporate and its successors and assigns;

　　(i) 除另有約定外，以單數(shù)表示之字詞，包括復(fù)數(shù)含意，反之亦然;且以中性表示之字詞，包括其它性別;

　　unless the context otherwise requires, words importing the singular include the plural and vice versa and the neuter gender includes the other genders;

　　(j) 所稱文件，包括該等文件之修訂或增補(bǔ)內(nèi)容;

　　a document is a reference to that document as amended or supplemented;

　　(k) 所稱法律條文，包括該條文之修訂或重新頒布內(nèi)容;及

　　a provision of law is a reference to that provision as amended or re-enacted; and

　　(l) 所稱條款或附表，包括本約定書之條款或附表。

　　a Clause or Schedule is a reference to a clause of or a schedule to this Agreement.

　　1.2 若本約定書系由一位以上客戶所簽署，則每一客戶就本約定所應(yīng)負(fù)擔(dān)之義務(wù)與債務(wù)，

　　應(yīng)負(fù)連帶責(zé)任。

　　If this Agreement is executed by more than one person as Customer, the obligations and liabilities of each Customer under this Agreement are joint and several.

　　1.3 客戶對銀行應(yīng)負(fù)擔(dān)之義務(wù)與債務(wù)，包括其過去、現(xiàn)在與未來、實際及可能對銀行應(yīng)負(fù)

　　擔(dān)之義務(wù)與債務(wù)。

　　The obligations and liabilities of the Customer to the Bank include all its past, present and future, actual and contingent obligations and liabilities to the Bank.

　　1.4 除依相關(guān)擔(dān)保、法令規(guī)定所得享有之權(quán)利、權(quán)力與請求賠償之權(quán)利外，本約定書另授予銀行其它權(quán)利、權(quán)力與請求賠償之權(quán)利。

　　Each of the rights, powers and remedies given to the Bank under this Agreement is in addition to all other rights, powers and remedies given to it or by virtue of any other security, statute or rule of law.

　　1.5 本約定書標(biāo)題僅為便利閱讀，并不影響對本約定書之解讀。

　　The headings in this Agreement are for convenience only and are to be ignored in construing this Agreement.

　　2. 條文應(yīng)用 Application

　　本約定書所訂定之條款與條件適用于按照銀行自行決定之范圍及方式得提供之授信且應(yīng)受雙方隨時于其它文件、合約或申請書所約定之約束。

　　The terms and conditions contained herein under this Agreement shall apply to any banking facilities which the Bank, at its sole discretion, may agree to make available to such extent and in such manner as the Bank thinks fit and shall be subject to such other terms and conditions which may be agreed from time to time in other documents, agreements or applications.

　　3. 還款 Repayment on Demand

　　3.1 客戶應(yīng)依銀行要求，就其目前或未來到期之所有結(jié)欠款項，償還予銀行(不論系以主債務(wù)人、保證人之身份或以單獨、與他人共同償還之方式為之)。

　　The Customer shall on demand pay to the Bank all monies which are now or will in the future become due to the Bank by the Customer (whether as principal or surety, alone or jointly with any other person).

　　4. 擔(dān)保 Security

　　4.1 銀行所持有之客戶資產(chǎn)，包括依銀行要求或代客戶持有之資產(chǎn)(不論系代客戶保管、代收、供作擔(dān)保或為其它特定或一般目的而持有)，將作為清償客戶對銀行之所有義務(wù)與債務(wù)之擔(dān)保品。

　　The Bank holds all assets of the Customer including those assets held to the Bank’s order or for account of the Customer (whether for safe custody, collection, security or for any specific purpose or generally) as continuing security for the payment and discharge of all the Customer’s obligations and liabilities to the Bank.

　　4.2 客戶授權(quán)銀行(隨時無須事前通知客戶或任何其它人，并以銀行認(rèn)定適當(dāng)之方式進(jìn)行)

　　出售、處分或以其它方式處理供作擔(dān)保品之客戶資產(chǎn)。

　　The Bank is hereby authorized by the Customer (at any time, without prior notice to the Customer or any other person and in such manner as the Bank thinks fit) to sell, dispose of or otherwise deal with any of the assets of the Customer the subject of the security hereby created.

　　4.3 銀行得將任何出售、處分或以其它方式處理資產(chǎn)所得之凈收入款項，作為履行客戶對銀行所應(yīng)負(fù)擔(dān)之義務(wù)并有權(quán)決定其先后順序。

　　The Bank may apply the net proceeds of any sale, disposition or dealing in or towards discharge of the Customer’s obligations to the Bank in whatever priority the Bank may determine.

　　4.4 就本約定書所述作為擔(dān)保品之客戶資產(chǎn)，客戶應(yīng)投保銀行所認(rèn)可之保險，以支付于所有情況下所承受之損失或損壞。

　　The Customer shall maintain insurance cover against losses or damages in all cases acceptable to the Bank with respect to the assets of the Customer the subject of the security hereby created under the Agreement.

　　4.5 客戶依銀行要求，應(yīng)： The Customer shall, upon demand by the Bank:

　　(a) 提供形式與價值上屬銀行認(rèn)可足以擔(dān)?？蛻魧︺y行所負(fù)義務(wù)之擔(dān)保品;及

　　provide such further security in form and value as may be required in the opinion of the Bank sufficient to secure any of the Customer’s obligations to the Bank; and

　　(b) 簽署及交付與客戶資產(chǎn)相關(guān)之文件，其形式與內(nèi)容均須符合銀行要求。

　　execute and deliver to the Bank any documents in form and substance satisfactory to the Bank over any of the Customer’s assets as the Bank specifies in any such demand.

　　5. 利息及傭金 Interest and Commissions

　　5.1 銀行就客戶未償還或積欠之任何款項，得收取利息。于無特別約定之情況下，利息應(yīng)按銀行自行決定之方式，復(fù)利計算并支付之。利率之詳細(xì)資料，應(yīng)由銀行另外提供之。除另有約定外，利息應(yīng)按日以一年 365 日或 366 日(視情況而定)計算，并以新臺幣( TWD)或英鎊支付;若以其它幣別支付或依照市場慣例之幣別支付，則以一年 360 日計算之。

　　The Bank may charge interest on any sum(s) outstanding or owed by the Customer from time to time. In the absence of express agreement, such interest shall be calculated and become due and payable on such basis and shall be compounded in such manner as the Bank may determine at its absolute discretion. Details of such interest rates shall be separately provided by the Bank. Unless otherwise specified, interest will accrue on a daily basis and is calculated on the basis of 365 or 366 day year (as may be applicable) for sum(s) in New Taiwan Dollar (TWD) or Pound Sterling and 360 day year for sum(s) in other currency or according to the market practice.

　　5.2 除另有約定外，客戶未于債務(wù)到期時清償之任何款項，銀行得依其主要放款利率年利率外加 8%作為遲延利息?？蛻艟陀馄趥鶆?wù)償還遲延利息之義務(wù)將直至客戶償還積欠銀行全部之債務(wù)為止。

　　Unless otherwise specified, the Bank may charge default interest at the rate of 8% per annum over its prime lending rate on any monies not paid by the Customer when due. The obligation of the Customer to pay default interest on overdue amounts shall continue until all sums owed by the Customer to the Bank have been paid in full.

　　5.3 客戶應(yīng)依銀行要求，就銀行所提供之授信或服務(wù)，支付銀行傭金、管理費與其它費用。傭金、管理費與費用之計算表將提供予客戶。

　　The Customer shall pay to the Bank on demand the Bank’s commissions, management fees and other charges in connection with the banking facilities or services provided by the Bank. The schedule of commissions, management fees and charges is available to the Customer.

　　6. 就尚未收到之托收款項進(jìn)行提取 Drawing Against Uncollected Funds

　　若銀行允許客戶就待收款項或待轉(zhuǎn)入款項進(jìn)行提取，若銀行未能于預(yù)定時間收取全額款項，或于接受轉(zhuǎn)帳后，依正常銀行實務(wù)，無法收取款項或無法自由運用款項時，則客戶應(yīng)依銀行要求，補(bǔ)足所提取之全部款項。

　　If the Bank permits the Customer to draw against funds to be collected or transferred from any account(s), the Customer shall on demand reimburse the Bank in full the amount so drawn if the Bank does not receive the funds in full at the time when the Bank ought to have received the same or if, after the Bank has accepted the transfer, the Bank is prevented from collecting or freely dealing with the funds in accordance with usual banking practice.

　　7. 匯票承兌 Bills of Exchange Negotiation

　　7.1 若銀行同意購買或承兌以客戶為交易一方之任何匯票或可轉(zhuǎn)讓票據(jù)，則客戶同意擔(dān)保

　　于票據(jù)到期時之全部償付，并就銀行因此所產(chǎn)生之任何損失或合理費用予以全額補(bǔ)償。

　　If the Bank agrees to purchase or negotiate any bills of exchange or negotiable instruments of which the Customer is a party, the Customer agrees to guarantee the full payment at maturity of such instruments and to indemnify the Bank against any losses or reasonable expenses reasonably incurred or suffered by the Bank on a full indemnity basis.

　　7.2 客戶舍棄要求銀行發(fā)出拒付通知及/或?qū)θ魏尾槐粌冬F(xiàn)之票據(jù)進(jìn)行注記與異議之權(quán)利，且不得影響銀行對客戶行使追索權(quán)之權(quán)利。

　　The Customer agrees to waive the requirement for the Bank to give notice of dishonour and/or to note and protest any dishonoured instruments without affecting the Bank’s right of recourse against the Customer.

　　8. 資金轉(zhuǎn)帳與電子銀行業(yè)務(wù) Funds Transfer and Electronic Banking

　　8.1 就銀行提供予客戶之任何軟件或測試金鑰，客戶保證：

　　For any software or test key provided by the Bank to the Customer, the Customer undertakes that:

　　(a) 確知并未擁有軟件及/或測試金鑰之任何權(quán)利;

　　it acknowledges that it does not own any rights in the software and/or test key;

　　(b) 系于專屬及不可移轉(zhuǎn)之前提下，被授權(quán)使用軟件及/或測試金鑰，并僅得用于與銀行提供服務(wù)之相關(guān)事宜;

　　the software and/or test key are licensed on an exclusive non-transferable basis to the Customer for use only in relation to services provided by the Bank;

　　(c) 不予出售或以其它方式轉(zhuǎn)讓任何軟件及/或測試金鑰;或于未取得銀行事前書面同意之情況下，不供任何第三人使用或復(fù)制;及

　　it will not sell or otherwise transfer any of the software and/or test key, or share its use with any third party or copy it without the Bank’s prior written consent; and

　　(d) 維持軟件及/或測試金鑰及所有相關(guān)信息之安全與機(jī)密，除為使用銀行所提供之相關(guān)服務(wù)之客戶員工及代理人外，不允許其它人使用，并應(yīng)確保前述人等亦將保持相關(guān)信息之機(jī)密性。

　　it will keep the software and/or test key and all relevant information secure and confidential and will not allow any person to access it other than the Customer’s staff and agents who need to do so in connection with the services provided by the Bank and will ensure that they will also keep such information confidential.

　　8.2 客戶同意給予銀行之任何指示，應(yīng)受銀行隨時制定與提供之使用資金轉(zhuǎn)帳服務(wù)之條款

　　與條件、作業(yè)規(guī)則、指引方針與程序所約束。

　　The Customer agrees that any instructions given to the Bank shall be subject to such terms and conditions, administrative rules, guidelines and procedures governing funds transfer services as the Bank may from time to time establish and distribute.

　　8.3 于不損及并同時適用第 10 條及第 13 條規(guī)定之情形下，客戶應(yīng)賠償銀行與其主管、員工及代理人因提供資金轉(zhuǎn)帳服務(wù)所承擔(dān)之任何損失、損壞、求償或其它不利后果，但若該等損失、損害、求償或不利后果，系因銀行、其員工或代理人之重大過失或故意行為所致者，則不在此限。

　　Without prejudice to and in addition to Clauses 10 and 13, the Customer shall indemnify and hold the Bank, its officers, employees and agents harmless from and against any loss, damages, claims or other adverse consequences which may arise or result from providing any funds transfer services for the Customer by the Bank, except to the extent that such loss, damages, claims or adverse consequences are caused by gross negligence or wilful default of the Bank or any of its employees or agents.

　　9. 付款 Payments

　　9.1 凡擬由客戶支付予銀行之款項，皆應(yīng)在免于抵銷、反訴、減除、扣繳或任何條件之情

　　況下支付。若因法令規(guī)定而須扣繳或減除任何款項，則客戶應(yīng)支付之款項應(yīng)予以增加，以使銀行實際收取之款項，等于未扣繳或扣除此等款項前之金額。

　　All payments by the Customer to the Bank shall be made without any set-off, counterclaim, deduction, withholding or condition of any kind. If the Customer is compelled by law to make any withholding or deduction, the sum payable by the Customer shall be increased so that the amount actually received by the Bank is the amount it would have received if there had been no such withholding or deduction.

　　9.2 客戶支付予銀行之款項，應(yīng)按相關(guān)債務(wù)之幣別支付，或若銀行以書面表示同意時，則

　　可以不同幣別支付，于該等情況下，不同之幣別應(yīng)按前述定義之匯率計算之。

　　Payment by the Customer to the Bank shall be in the currency of the relevant liability or, if the Bank so agrees in writing, in a different currency, in which case the conversion to that different currency shall be made at the Exchange Rate.

　　9.3 依據(jù)任何判決、法庭命令或其它原因而支付銀行之款項，皆不免除客戶對銀行之支付義務(wù)，除非且直至依本約定書約定，應(yīng)支付之款項(以應(yīng)支付之幣別)已完全支付為止;且若按匯率實際轉(zhuǎn)換為應(yīng)支付之幣別后之款項，少于所表示之金錢債務(wù)者，則客戶應(yīng)負(fù)責(zé)補(bǔ)足短少之部分。

　　No payment to the Bank pursuant to any judgement, court order or otherwise shall discharge the obligation of the Customer in respect of which it was made unless and until payment in full has been received in the currency in which it is payable hereunder and to the extent that the amount of any such payment shall, on actual conversion into such currency, at the Exchange Rate, fall short of the amount of the obligation expressed in that currency, the Customer shall be liable for the shortfall.

　　9.4 為履行客戶之義務(wù)而支付銀行之任何款項，得運用于償還客戶之義務(wù)或存放于暫記款

　　賬戶中，以使銀行保有證明客戶未完全清償之權(quán)利。

　　Any monies paid to the Bank in respect of the Customer’s obligations may be applied in or towards satisfaction of the same or placed to the credit of a suspense account with a view to preserving the Bank’s rights to prove for the whole of the Customer’s outstanding obligations.

　　9.5 為履行客戶之義務(wù)而支付予銀行之任何款項，若因客戶無力償債、破產(chǎn)或清算等其它

　　法律原因而需由銀行返還該等款項者，則銀行對客戶仍有請求返還之權(quán)利。

　　If any payments paid to the Bank in respect of the Customer’s obligations are required to be repaid by virtue of any law relating to insolvency, bankruptcy or liquidation or for any other reason, the Bank shall be entitled to recover such sums from the Customer as if such monies had not been paid.

　　10. 費用 Expenses

　　10.1 就銀行因準(zhǔn)備、調(diào)整、辦理、執(zhí)行、保留本約定書之權(quán)利或由客戶或第三人就客戶對銀行應(yīng)負(fù)擔(dān)義務(wù)所提供之任何擔(dān)保品之相關(guān)事宜，而合理發(fā)生之所有合理成本、費用與開支(包括法律費用)，客戶應(yīng)依銀行要求，支付及補(bǔ)償予銀行，但若該等成本、費用與開支，系因銀行、其員工或代理人之重大過失或故意行為所致者，則應(yīng)予排除于上述支付及補(bǔ)償范圍之外。

　　The Customer shall pay to the Bank on demand, and indemnify the Bank against all reasonable costs, charges and expenses (including legal fees and expenses) reasonably incurred by the Bank in connection with the preparation, perfection, performance or enforcement of or preservation of rights hereunder or any security provided by the Customer or any third party in respect of the Customer’s obligations to the Bank, except to the extent that such costs, charges and expenses are caused by gross negligence or wilful default of the Bank or any of its employees or agents.

　　10.2 盡管客戶未簽署相關(guān)文件或客戶之授信申請書未獲銀行所接受，上述成本、費用與開

　　支仍應(yīng)支付予銀行。

　　These sums are payable to the Bank notwithstanding that the relevant documentation may not be executed by the Customer or the Customer’s applications for banking facilities may not be accepted by the Bank.

　　11. 抵銷 Set-off

　　11.1 銀行得隨時加總或合并客戶于銀行、其子公司或控股公司所簽發(fā)之所有賬戶，并以客

　　戶之任何賬戶余額清償其對銀行之債務(wù)，不論債務(wù)是否到期、實際發(fā)生、未來發(fā)生、可能發(fā)生、未結(jié)算或未確定，亦不論付款幣別、付款地點或透過銀行之代理行為之據(jù)點。

　　The Bank may, at any time, combine or consolidate all the Customer’s accounts with the Bank, its subsidiary or holding company and apply any credit balance to which the Customer is entitled in or towards satisfaction of any obligation (whether or not due, actual, future, contingent, unliquidated or unascertained) owed by the Customer to the Bank, regardless of the currency, the place of payment or the office through which the Bank is acting.

　　11.2 為完成上述作業(yè)，銀行被授權(quán)得就客戶賬戶余額依銀行當(dāng)時適用之匯率進(jìn)行換匯。若

　　按適用之匯率轉(zhuǎn)換為應(yīng)支付幣別后之款項少于以應(yīng)支付幣別所表示之債務(wù)時，則客戶

　　應(yīng)負(fù)責(zé)補(bǔ)足短少部分。

　　For this above purpose, the Bank is authorized to purchase, at the Bank’s prevailing rate of exchange, such other currencies as may be necessary to effect such application with the monies standing to the credit of such accounts. The Customer shall be liable for any shortfall if the converted currency is less than the outstanding liability.

　　11.3 若第 11.1 條所述之任何債務(wù)尚未結(jié)算或確定，則銀行仍得依誠信原則就估計之金額

　　行使抵銷之權(quán)利。

　　If any of the obligations referred to in Clause 11.1 above is unliquidated or unascertained the Bank may set off an amount estimated by it in good faith to be the amount of that obligation.

　　11.4 銀行依本條規(guī)定行使任何權(quán)利時，應(yīng)盡快通知客戶。

　　The Bank shall as soon as practicable give notice to the Customer of any exercise of its rights under this Clause.

　　12. 留置權(quán) Lien

　　銀行為保管或任何其它原因，而持有或控制之客戶財產(chǎn)，不論是否發(fā)生于正常銀行業(yè)務(wù)過程中，均得行使留置權(quán)，并得出售客戶財產(chǎn)以償付客戶對銀行之債務(wù)。

　　The Bank shall have a lien on all property of the Customer coming into the possession or control of the Bank, for custody or any other reason and whether or not in the ordinary course of banking business, with power for the Bank to sell such property to satisfy any obligations owed by the Customer to the Bank.

　　13.賠償 Indemnity

　　13.1 客戶應(yīng)賠償銀行及銀行之代理人任何因提供客戶授信額度或其它服務(wù)所發(fā)生或?qū)е轮?/span>

　　損失、損害、債務(wù)、合理成本與費用或其它不利后果。

　　The Customer shall indemnify the Bank and the Bank’s delegates against any losses, damages, liabilities, reasonable costs or expenses or other adverse consequences which may arise or result from providing banking facilities or services to the Customer.

　　13.2 客戶應(yīng)依銀行要求，就任何可能因本約定書而對銀行提起之訴訟，立即出庭進(jìn)行辯護(hù)

　　并自行負(fù)擔(dān)成本與費用。

　　The Customer shall, upon request by the Bank, forthwith appear and defend at its own cost and expense any action which may be brought against the Bank in connection herewith.

　　13.3 于相關(guān)法令允許之最大范圍內(nèi)，銀行有權(quán)委任債務(wù)催收代理人，向收取客戶到期但未償付予銀行之任何款項。客戶同意須補(bǔ)償銀行因委任債務(wù)催收代理人所合理發(fā)生之任何合理成本與費用。

　　To the greatest extent permitted by relevant laws and regulations, the Bank is entitled to employ debt collecting agents to collect any sum due but unpaid by the Customer to the Bank. The Customer agrees and acknowledges that it shall indemnify the Bank against all reasonable costs and expenses which the Bank may reasonably incur in employing debt collecting agents.

　　14.信息與保密義務(wù) Information and Confidentiality Obligation

　　14.1 客戶提供銀行之任何個人數(shù)據(jù)(如相關(guān)法律、規(guī)章或規(guī)則所定義)，應(yīng)符合相關(guān)法律

　　之規(guī)定。

　　Any personal data (as defined in applicable laws, regulations or rules) which the Customer provides to the Bank shall be treated in accordance with applicable laws, regulations or rules.

　　14.2客戶同意為達(dá)成依相關(guān)登記或公司章程載明之營業(yè)活動之特定目的，并于法令許可之

　　范圍內(nèi)：

　　The Customer hereby gives its consent to the Bank, in accordance with specific purposes such as requirements arising from its registered business activities or the business activities specified in its articles of incorporation if any and to the extent permitted by the applicable laws and regulations:

　　(a) 就客戶提供予銀行或銀行因其它原因所知悉之客戶賬戶及與銀行業(yè)務(wù)往來相關(guān)之所有信息(包括個人數(shù)據(jù)、賬戶余額及所提供之擔(dān)保品)，銀行得隨時進(jìn)行搜集、計算機(jī)化處理、于國際間傳送、利用、揭露與移轉(zhuǎn)予下列各人：

　　to collect, computerize, transmit internationally, utilize, disclose and transfer from time to time all information in connection with the Customer’s accounts and business with the Bank (including personal information, credit balances and security given) provided to the Bank by the Customer or otherwise known to the Bank to:

　　(i)聯(lián)合征信中心，以依據(jù)其公司章程所載之營運活動規(guī)定進(jìn)行計算機(jī)化處理及利用

　　the Joint Credit Information Center for computerization and utilization according to the specific purpose of the business activities specified in its articles of incorporation

　　(ii)銀行之任何辦事處、分行、關(guān)系企業(yè)、聯(lián)屬公司、總公司、控股公司或該等總公司或控股公司之任何子公司或聯(lián)屬公司;

　　any of the Bank’s offices, branches, related companies or associates or its head office or holding company or any subsidiary or associated company of that head office or holding company;

　　(iii) 就銀行營業(yè)相關(guān)事宜，提供服務(wù)予銀行之任何代理人、外包廠商或其它第三方服務(wù)供貨商 (下稱「服務(wù)供貨商」);

　　any agent, contractor or third party service provider (each, a "Service Provider") which provide services of any kind to the Bank in connection with the operation of its business;

　　(iv) 就客戶賬戶銀行所擁有權(quán)利之任何實際或預(yù)計之參與人、次參與人、受讓人或承受債務(wù)人;或

　　any actual or proposed participant or sub-participant in, or assignee or novatee of the Bank’s rights in relation to the Customer’s accounts; or

　　(v) 任何客戶目前、未來擬進(jìn)行業(yè)務(wù)往來之金融機(jī)構(gòu)，以完成對客戶所進(jìn)行之征信工作。

　　any financial institutions with which the Customer has or proposes to have dealings to enable credit checks to be conducted on the Customer.

　　客戶同意于法令、法庭命令或政府或法令主管機(jī)關(guān)要求或許可之情況下，銀行、其關(guān)系企業(yè)或聯(lián)屬公司或任何服務(wù)服務(wù)供貨商，得揭露客戶之任何信息。

　　The Customer further consents to the disclosure of any of its information by the Bank or any of its related or associated companies or any Service Provider if required or permitted to do so by any law, regulation, court order or any government or regulatory authority in any jurisdiction.

　　(b) 就提供客戶貸款或授信之相關(guān)事宜，揭露下列信息/文件予供擔(dān)保人：

　　to provide the following information/documents to any provider(s) of security in respect of any loan or banking facilities extended to the Customer:

　　(i) 一份證明債務(wù)將受保證或擔(dān)保之契約副本或其摘要;

　　a copy of the contract evidencing the obligations to be guaranteed or secured or a summary thereof;

　　(ii) 若客戶未于接獲銀行通知后償還積欠本行之款項，則銀行得提供逾期催繳正式通知之副本;及

　　a copy of any formal demand for overdue payment which may be sent to the Customer after it has failed to settle an overdue amount following a customary reminder; and

　　(iii) 隨時依客戶或供擔(dān)保人之要求，提供最近期之銀行對賬單或授信資料之副本。

　　from time to time on request of the Customer or provider of security, a copy of the latest statement of account or information of banking facilities provided to the Customer.

　　14.3 客戶同意銀行得于客戶透過銀行進(jìn)行外匯匯款時，依據(jù)相關(guān)法令或規(guī)則之規(guī)定，以國

　　際傳送方式將客戶之個人數(shù)據(jù)傳送給受款人或相關(guān)經(jīng)手銀行。

　　Where the Customer makes a foreign remittance through the Bank, the Customer agrees that the Bank may make international transmission of the personal data of the Customer to the payee or the relevant handling bank according to applicable laws, regulations, or rules.

　　14.4如客戶請求銀行停止計算機(jī)處理及利用或刪除其個人資料時，除法令另有規(guī)定外，銀行

　　應(yīng)立即將該請求以書面或其它媒體報送聯(lián)合征信中心，銀行于收受該通知后，應(yīng)依客戶之請求停止計算機(jī)處理及利用或刪除其個人數(shù)據(jù)，并記錄日期。如果客戶此等請求將對銀行營運造成不便時，銀行得經(jīng)書面通知客戶，終止其賬戶之使用。

　　In case the Customer requests the Bank to stop computerizing and utilizing its personal data or to delete the same, the Bank shall, unless otherwise provided by the relevant laws, transmit such request to the Joint Credit Information Center in writing or through other media. After receiving the aforesaid notice, the Bank shall stop computerizing and utilizing the personal data or delete the same according to the request of the Customer and make a record of the date. If the Customer's such request will cause inconvenience to the Bank's operation, the Bank may close the Customer's Account after giving a written notice to the Customer.

　　14.5客戶得向銀行查詢建檔內(nèi)容及(或)聯(lián)合征信中心所提供有關(guān)客戶之資料。客戶與銀行于發(fā)現(xiàn)前述數(shù)據(jù)有錯誤或發(fā)生正確性爭議時，應(yīng)立即將錯誤或爭議之?dāng)?shù)據(jù)，檢附相關(guān)證明文件，送交聯(lián)合征信中心辦理查證或更正。

　　The Customer may check the content of its personal file established by the Bank and/or the personal data of the Customer as provided by the Joint Credit Information Center. If the Customer and the Bank find mistakes in the aforesaid personal data or if there is a dispute over the correctness thereof, they shall immediately provide the mistaken or disputed data together with the relevant supporting documents to the Joint Credit Information Center for verification or correction.

　　14.6客戶或銀行做出任何終止賬戶之行為，除客戶另以書面要求外，均不影響或終止客戶

　　授權(quán)銀行于終止賬戶后揭露其持有之客戶信息效力。

　　Any termination of accounts by the Customer or the Bank shall not affect or terminate the Customer's authorization to the Bank to disclose the Customer information in possession of the Bank at termination unless the Customer shall otherwise specify in writing.

　　14.7客戶承諾，其登記于銀行之姓名、地址及其它數(shù)據(jù)若有任何變動，應(yīng)立即以書面通知

　　銀行。

　　The Customer undertakes to immediately notify the Bank in writing of any change in name, address and other particulars recorded with the Bank.

　　15.證明與計算 Evidence and Calculation

　　于無明顯錯誤之情形下，依本約定書所作成之任何憑證，契約確認(rèn)通知書或銀行就利率、費率、金額或契約相關(guān)事項所作出之決定將具確定性約束力。

　　Any certificate, notice of confirmation of a contract or determination by the Bank of an interest rate, fee rate, amount or relevant particulars of the contract under this Agreement is, in the absence of manifest error, conclusively binding on the matters to which it relates.

　　16.變動 Variation

　　于相關(guān)法令允許之最大范圍內(nèi)及提前至少 30 日通知客戶之情況下，銀行得自行決定變更、修訂或增補(bǔ)本約定書之任何條款;且此等變更、修訂或增補(bǔ)，應(yīng)于前述通知所載明之日生效。

　　To the greatest extent permitted by relevant laws and regulations, the Bank may, at its sole discretion, by giving not less than 30 days' prior notice to the Customer, vary, amend or supplement any terms and conditions of this Agreement and such variation, amendment or supplement shall take effect on the date specified on the notice

　　17.條文之可分割性(Severability)

　　若本約定書條款于任何司法管轄區(qū)域被認(rèn)定為違法、無效或無法執(zhí)行時，則不會影響：

　　If any provision of this Agreement is or becomes illegal, invalid or unenforceable in any jurisdiction, that will not affect:

　　(a)本約定書任何其它條款，于該等司法管轄區(qū)內(nèi)之效力或可執(zhí)行性;或

　　the validity or enforceability in that jurisdiction of any other provision of this Agreement; or

　　(b)該等條款或本約定書任何其它條款，于其它管轄區(qū)內(nèi)之效力或可執(zhí)行性。

　　the validity or enforceability in other jurisdictions of that or any other provision of this Agreement.

　　18.其它義務(wù) Further Obligations

　　本約定書不應(yīng)被視為銀行有提供或繼續(xù)提供任何授信、其它貸款或服務(wù)予客戶之義務(wù)。銀行所提供予客戶之任何授信，皆得由銀行自行決定并通知客戶終止、停止或重新安排。

　　Nothing herein shall impose any obligation on the Bank to provide or continue to provide any banking facilities or other accommodation or services to the Customer. Any of the banking facilities granted by the Bank to the Customer may be terminated, discontinued or restructured by the Bank at its sole discretion with a notice to the Customer.

　　19.保險與鑒價 Insurance and Evaluation

　　19.1客戶應(yīng)向銀行所認(rèn)可之保險公司，就供擔(dān)保/質(zhì)押之財產(chǎn)、商品、資產(chǎn)或其它有價值

　　物品投保(銀行有權(quán)隨時決定其投保價值及風(fēng)險種類)。

　　The Customer shall maintain insurance coverage with insurance companies acceptable to the Bank with respect to properties, goods, assets or other items of value collateralized/pledged (the Bank shall have the discretion at any time to determine the insurable value and type or risks).

　　19.2客戶依據(jù)上述第 19.1 條規(guī)定投保之任何保險，其理賠款項應(yīng)支付予下列對象：

　　Any amounts due under any insurance maintained by the Customer under Clause 19.1 above shall be paid to:

　　(a) 若屬損失或毀損之情況，則應(yīng)支付予銀行;及 in case of loss or destruction, the Bank; and

　　(b) 若屬損壞之情況，除銀行另行同意外，應(yīng)用于投保財產(chǎn)之回復(fù)原態(tài)。

　　in case of damage, unless otherwise agreed by the Bank, be applied in repairing or reinstating the insured property.

　　19.3客戶授權(quán)銀行得依任何一份或多份保險契約規(guī)定，收領(lǐng)相關(guān)賠款款項。

　　The Customer hereby authorizes the Bank to collect any relevant amounts due under any policy or policies of insurance.

　　19.4客戶應(yīng)依銀行要求，立即將保障銀行利益之文件(包括保險合約與保費收據(jù))，提供予銀行。

　　The Customer shall, immediately upon request, provide the Bank with evidence of such insurance (including policies and premium receipts) endorsed with the Bank’s interest.

　　19.5若客戶未能使保險合約生效或維持其效力或未能出示保險合約予銀行或若銀行認(rèn)為客戶投保不足或不適當(dāng)者，則銀行得依據(jù)其認(rèn)定適當(dāng)之金額與方式投保。銀行有權(quán)就投保所支出之任何款項，自客戶賬戶中扣除。

　　If the Customer fails to effect or maintain any such insurance or to produce any policy to the Bank or if any insurance effected by the Customer is, in the Bank’s opinion, insufficient or inadequate, the Bank may effect such insurance and in such sum and manner as it thinks fit. The Bank is entitled to debit the Customer’s account(s) for any monies expended by the Bank for such insurance.

　　19.6客戶就向銀行所提供擔(dān)保之不動產(chǎn)或資產(chǎn)，需于申請任何授信前，提供一份完整之鑒價報告;且于其后每三年提供一份簡式之鑒價報告。所有鑒價費用均由客戶支付。

　　For real properties or assets charged to the Bank by the Customer, a full valuation report is required before any application of the banking facilities is made and a short form annual valuation report is required thereafter for every third year. All the valuation fees are charged against the account of the Customer.

　　20.責(zé)任上限 Limitation on Liability

　　20.1銀行不就其作為或不作為，而對客戶負(fù)擔(dān)任何法律責(zé)任，但若系導(dǎo)因于銀行之重大過

　　失或故意行為所導(dǎo)致者，不在此限。

　　The Bank shall not be legally liable to the Customer for any action taken or not taken by it unless caused by the Bank’s gross negligence or wilful misconduct.

　　20.2盡管客戶可能另為指示，銀行就相關(guān)法令、規(guī)則或銀行與其它金融機(jī)構(gòu)業(yè)務(wù)往來所簽

　　署之合約，所采取之行動導(dǎo)致客戶承受之任何損失或損害者，概不負(fù)責(zé)。

　　Notwithstanding that the Customer may have given instructions to the contrary, the Bank shall not be liable to the Customer for any loss or damage which may have been caused by the Bank acting in accordance with applicable laws, regulations or rules or with the terms and conditions of the Bank’s agreements with other financial institutions regarding the business dealings with those institutions.

　　20.3所有交易均由客戶于自行判斷及自行承擔(dān)風(fēng)險之情況下進(jìn)行。就客戶依銀行建議，采

　　取行動所承受之任何損失，銀行不負(fù)擔(dān)任何責(zé)任，不論此等建議是否依客戶要求所提供。

　　Each transaction will be undertaken by the Customer solely in reliance on its own judgment and at its own risk. The Bank shall not be liable in any manner for any loss resulting from the Customer acting on advice received from the Bank whether or not such advice was requested by the Customer.

　　21.合伙組織 Partnership

　　21.1若客戶為一合伙組織，則因任何原因而解散時，則于銀行接獲客戶所發(fā)出載明解散事實之書面通知前，并不影響客戶身為合伙人所應(yīng)負(fù)擔(dān)之責(zé)任，但客戶于銀行接獲前述通知前已完成之交易，仍應(yīng)負(fù)責(zé)。

　　If the Customer is a partnership, the dissolution of the partnership for any reason shall not affect the liabilities of the Customer as partner(s) until the Bank receives a written notice from the Customer to such effect but no notice shall affect the Customer’s liability for any transaction made prior to the Bank’s receipt of such notice.

　　21.2任一合伙人死亡時，以其遺產(chǎn)償付對銀行之責(zé)任及于銀行接獲死亡事實書面通知前所

　　完成之交易。

　　In the case of the death of a partner, the liability of the estate of the deceased partner to the Bank shall cease only with regard to transactions made with the Bank subsequent to the receipt by the Bank of written notice of the death of the deceased partner.

　　22. 持續(xù)有效協(xié)議、舍棄與補(bǔ)救措施 Continuing Agreement, Waivers and Remedies

　　22.1 本約定書為一持續(xù)有效契約，契約及其所規(guī)范之權(quán)利、權(quán)力與請求賠償之權(quán)利將適用

　　于客戶對銀行所應(yīng)負(fù)擔(dān)之所有義務(wù)，不論是否有影響客戶受本約定書約束之情事發(fā)生。

　　This is a continuing agreement and all the rights, powers and remedies under this Agreement shall apply to all the Customer’s obligations to the Bank notwithstanding any event affecting the capacity of the Customer to be bound by this Agreement.

　　22.2 銀行依本約定書所享有之權(quán)利： The rights of the Bank hereunder:

　　(a) 得于必要時行使之; may be exercised as often as necessary;

　　(b) 得并予適用，且不排除依一般法律規(guī)定所得享有之權(quán)利;且

　　are accumulative and not exclusive of its rights under the general law; and

　　(c) 僅得以書面載明之方式予以舍棄。 may be waived only in writing and specifically.

　　22.3 延遲行使或未予行使任何權(quán)利之行為，并不構(gòu)成舍棄該等權(quán)利之效力。

　　Delay in exercising or non-exercise of any such rights is not a waiver of that right.

　　23. 授權(quán) Authorisation

　　為確?？蛻粢辣炯s定書規(guī)定適當(dāng)履行義務(wù)，客戶不可撤銷地授權(quán)銀行擔(dān)任其合法代表人(不論系以客戶或其它名義為之)，并擁有完整之授權(quán)與替代權(quán)力，以履行客戶依本約定書所應(yīng)履行之義務(wù)或行使銀行依本約定書所擁有之權(quán)利，包括(但不限于)下列：

　　To secure due performance of obligations by the Customer under this Agreement, the Customer irrevocably authorises the Bank to be the Customer’s true and lawful representative (in the Customer’s name or otherwise), with full power of delegation and substitution, to carry out any of the Customer’s obligations under this Agreement or for exercising the Bank's rights under this Agreement, including (without limitation) the following:

　　(a) 簽署、執(zhí)行及從事所有必要或銀行認(rèn)定合適之所有文件、行為與事務(wù)，以履行客戶依本約定書所應(yīng)履行之義務(wù)或為實現(xiàn)任何賦予銀行之擔(dān)保權(quán)利或使銀行取得依本約定書所得享有之權(quán)益;

　　to sign, execute and do all documents, acts and matters which may be required or which the Bank thinks fit for carrying out any obligations of the Customer under this Agreement or otherwise or for realising any security given to the Bank or for giving to the Bank the full benefit of this Agreement;

　　(b) 就銀行認(rèn)定必要或需要時，提起求償、采取行動或進(jìn)行訴訟程序及就跟單信用狀、其相關(guān)文件或擔(dān)保品所生之任何爭議，依銀行自行判斷進(jìn)行解決或和解;

　　to make any claim or take any action or institute any proceedings which the Bank may consider necessary or desirable and to compromise or settle any dispute arising in connection with any documentary credit, relevant documents or charged property on such terms as the Bank may in its discretion consider appropriate;

　　客戶應(yīng)隨時認(rèn)可及確認(rèn)銀行依本條款被授權(quán)合法從事之任何行為。

　　The Customer shall from time to time ratify and confirm whatsoever the Bank shall lawfully do or cause to be done by virtue of the authorisation granted under this Clause.

　　24.轉(zhuǎn)讓 Assignment

　　24.1 客戶不得轉(zhuǎn)讓或移轉(zhuǎn)其于本約定書之權(quán)利或義務(wù)，客戶同意銀行得于書面通知客戶后，就客戶之債務(wù)或依本約定書得向客戶求償?shù)娜炕蛞徊繖?quán)利及銀行對擔(dān)保品之權(quán)益轉(zhuǎn)讓予任何人，且受讓人后，即應(yīng)享有所有權(quán)利益。銀行被授權(quán)得將與客戶相關(guān)之任何信息揭露予任何預(yù)定之受讓人或主管機(jī)關(guān)，銀行亦得將其權(quán)利轉(zhuǎn)讓予其它人及將與本約定書相關(guān)之任何信息提供給其專業(yè)顧問與任何實際或預(yù)定之受讓人。

　　The Customer may not assign or transfer any of its rights or obligations under this Agreement. 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. The Bank may also assign any of its rights to any other person and disclose to its professional advisers and any actual or potential assignee any information in connection with this Agreement.

　　24.2 不論銀行之名稱或章程是否變動或銀行是否并購任何其它公司或與其它公司合并，本約定書均應(yīng)持續(xù)有效?？蛻敉馑信c債務(wù)相關(guān)之事宜，包括任何于前述并購、合并或轉(zhuǎn)讓后發(fā)生者，均應(yīng)受本約定書之約束。

　　This Agreement shall continue notwithstanding any change in the name or constitution of the Bank or by its absorption or amalgamation with any other company. The Customer agrees to be bound by this Agreement in respect of all the liabilities including those incurred after any absorption, amalgamation or assignment.

　　25.通知 Notices

　　25.1所有與本約定書相關(guān)之通知或其它往來聯(lián)系數(shù)據(jù)，將于客戶自負(fù)風(fēng)險之前提下寄送。銀行不對傳送或以郵件寄送、傳真或其它電子書面之通訊方式下所產(chǎn)生之任何不正確、中斷、錯誤或延遲或完全失誤情況負(fù)擔(dān)任何責(zé)任，但若系因銀行之重大過失或故意行為所致者，不在此限。

　　All notices or other communications in connection with this Agreement are to be sent at the Customer’s risk. The Bank does not assume any responsibility for any inaccuracy, interruption, error or delay or total failure in transmission or delivery by post, facsimile or other written form of electronic communication unless caused by its gross negligence or willful default.

　　25.2所有銀行發(fā)給客戶之通知或其它往來聯(lián)系資料，皆應(yīng)以書面為之，且除另有約定外，得以信件、傳真或電子郵件為之。于下列情況下，應(yīng)視銀行已發(fā)出通知：

　　All notices or other communications from the Bank to the Customer must be given in writing and unless otherwise stated, may be made by letter, facsimile or e-mail. Any such notice will be deemed to be duly given by the Bank as follows:

　　(a) 若系透過專人送達(dá)或預(yù)付郵資方式寄送，則以寄送地址系于臺灣或海外分別以寄送后之二或七個營業(yè)日，視為銀行已適當(dāng)?shù)匕l(fā)出通知;且

　　if by letter, when delivered personally or if sent by prepaid post, two or seven working days following the day on which it was so posted to an address in Taiwan or overseas respectively; and

　　(b) 若系透過傳真或電子郵件之方式寄送，則于收取傳真號碼或電子郵件地址之報告確認(rèn)通知已成功寄送后，視為銀行已適當(dāng)?shù)匕l(fā)出通知。

　　if by facsimile or e-mail, when confirmed by an activity report confirming the facsimile number or e-mail address to which such notice was successfully sent.

　　25.3 客戶依本約定書收取所有通知之地址、傳真號碼或電子郵件地址為：

　　The address, facsimile number or e-mail address of the Customer for all notices under or in connection with this Agreement are

　　(i) 附表所列資料;或 those set out in the Schedule; or

　　(ii) 客戶應(yīng)于至少五個營業(yè)日前，通知銀行之任何其它地址或銀行所知悉之最新地址。

　　any other notified by the Customer to the Bank with a prior notice no less than 5 working days or last known to the Bank.

　　25.4 發(fā)給銀行之任何通知或其它往來聯(lián)系資料，皆須以書面做成，并向提供相關(guān)銀行服務(wù)

　　予客戶之銀行經(jīng)理寄送，且于銀行實際收取時，方視為已對銀行適當(dāng)發(fā)出通知。

　　Any notice or other communication given to the Bank must be given in writing and addressed to the manager of the Bank through which the relevant banking services are provided to the Customer and shall be deemed to have been given only on actual receipt by the Bank.

　　26. 稅捐 Tax

　　凡擬由客戶付予銀行之款項，客戶均不得以其對銀行主張抵銷或為其它相對之請求?？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、費用或所得稅扣繳及與給付有關(guān)之一切債務(wù)，但不包括就銀行之凈收入所課征之稅捐?？蛻魬?yīng)負(fù)擔(dān)依本約定書所為付款或依本約定書(或其它與授信或擔(dān)保品有關(guān)之文件)所為之簽署、交付、登記或其它事宜，而產(chǎn)生之現(xiàn)在或未來應(yīng)負(fù)擔(dān)之印花稅、契稅、應(yīng)納之規(guī)費、登記費或類似費用，并且客戶應(yīng)視需要支付銀行額外款項，俾使銀行所實得之金額不低于本約定書規(guī)定之金額。客戶應(yīng)將其因支付前開稅捐或費用而取得之正式付款收據(jù)正本或經(jīng)認(rèn)證為真實之副本送交銀行。倘銀行因之增加負(fù)擔(dān)時，就該額外之支出，客戶亦應(yīng)補(bǔ)償銀行。

　　Any and all payments made 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 tax and value added tax), deductions, charges or income tax 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, charges, 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

　　如客戶之任何非新臺幣債務(wù)到期時，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。于交付至兌換時新臺幣與為該外幣間之匯率變動風(fēng)險，悉由客戶承擔(dān)。

　　If any liability is due in any currency other than New Taiwan Dollar, 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 Dollar 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.