外汇存款账户开户总约定书中英文.docx
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外汇存款账户开户总约定书中英文
TheDepositorestablishingtheforeigncurrencydepositaccountwithTaiwanCooperativeBank,
OffshoreBankingBranch（hereinaftercalled “theBank”）,herebyagreesasfollows：
立约定书人（以下简称「存户」）向合作金库商业银行国际金融业务分行（以下简称「贵行」）开立外汇存款账户，同意遵守下列各项约定：
1.Definitions定义
Forthepurposehereof,whereapplicable,wordsinthesingularincludethepluralandintheplural
includethesingular.AsusedinthisDisclosure,thefollowingtermshavetherespectivemeaningsstatedbelow,exceptasotherwiseexpresslyprovidedhereinorunlessthecontexthereinotherwiserequires：
就本开户总约定书而言，在可适用之情形时，单数之用语包括复数，而复数之用语则包括单数。
除本开户总约定书中另有要求，各名词定义如下：
（1）"Account"shallmeananyforeigncurrencydepositaccount,includingdemanddepositaccount,timedepositaccountandcompositedepositaccount,establishedwiththeBankinthenameofthe
Depositor.
「账户」系指存户于贵行开立新台币以外之其它币别存款利率牌告账户，包含活期存款账户、定期存款账户及综合存款账户。
（2） “Bank”shallmeanTaiwanCooperativeBank,OffshoreBankingBranch.
「贵行」系指合作金库商业银行国际金融业务分行。
（3）"Deposit"shallmeananyfundsdepositedintotheAccountoftheDepositor.
「存款」系指存户以其名义存放于前述账户内之任何款项。
（4） “Depositor”shallmeananycustomerwhoestablishesanAccountwiththeBank.
「存户」系指于贵行开立账户之客户。
2.SpecimenofSignatureand/orSeal约定印鉴
（1）AlltransactionsrelatedtotheAccount,bearingthesignature/sealwhichmatchesthespecimenkeptintheBank’sfile,areregardedtobeaccomplishedbytheDepositorpersonally.IncasetheDepositor’spassbook,certificateoftimedeposit,and/orsuchsignature/sealislost,stolen,etc,theDepositorshallpersonallynotifytheBankpromptly.TheBankwillnotberesponsibleforanyfraudulenceorpossiblelossesunlessanduntilnoticethereofisactuallyreceivedbytheBank.
本账户一切事务之处理，若签盖本账户约定印鉴，即视同存户亲自办理。
存户之存折（单）、印鉴如有遗失、被窃等情事，应亲至贵行办理挂失止付。
在未向贵行办妥挂失前，如遭他人冒领者，均视为存户本人之提款，贵行概不负责任。
（2）AnychangeinanyauthorizedsignatoryoftheDepositororanysignature/sealspecimenthereofshallbenotbindingontheBankunlessanduntilnoticethereofisactuallyreceivedbytheBankinwriting.
存户或被授权人印鉴如有变更时，除非贵行已实际收到书面通知外，对贵行不生效力。
3.Withdrawal/Payment提领付款
（1）Withdrawalshallbeeffectivebythepresentationofawrittenslipintheformandsubstance
satisfactorytotheBankwiththesignature/sealmatchingthespecimenkeptintheBank’sfile.DepositorcannotwithdrawcashorexchangeforNewTaiwanDollar,buttransfer/remittanceis
acceptable.
存款提领应以贵行同意之书面为之，贵行悉依存户原留存印鉴为凭办理。
存款不得提领现金亦不得兑换为新台币，但得办理转帐/汇款至其它银行。
（2）Withdrawalrequestshallclearlyspecifythepaymentinstruction.IftheDepositorfailstospecify,theBankhastheright,atitssolediscretion,toeffectthepaymentasitdeemsappropriate.
存户提领时应记载付款指示，如未记载或记载不明，贵行得自行判断并以适当方式付款。
（3）PaymenttobemadebytheBankwithrespecttoanyaccountonadaywhichisnotitsbusiness
dayshallbemadeonthefollowingbusinessday.
付款日若非贵行之营业日，贵行应于次一营业日给付。
（4）Anyexistingorpossiblecharges,taxes,etc.duetotheDepositorshallbepaidbytheDepositor.TheDepositorfurtheragreesthattheBankmaydebitanyandallsuchsumsfromtheAccountor
fromanyotheramountpayablebytheBank.
任何过去、现在或未来贵行因存户所发生之各项费用及税捐，均由存户负担。
存户并同意贵行得自存户账户或任何应付予存户之款项中扣除。
4.Interest利息
（1）AnyinterestrateapplicabletotheAccountshallbespecifiedindocument,announcement,ortheprevailinginterestrateissuedorpublishedbytheBank.
各种存款利率应依贵行所发出之文件、通知或牌告计算之。
（2）Fordemanddepositaccount,interestshallbecalculatedonthebasisofayearof365daysonlyforBritishPounds,HongKongDollars,SingaporeDollars,ThaiBaht,andSouthAfricaRand,whileinterestforalltheotherforeigncurrenciesshallbecalculatedonthebasisofayearof360daysinaccordancewithmarketpractice.Interestshallbecalculatedsemiannuallyon20thOfJuneand20thofDecemberrespectivelyandcreditedintotheAccountonthefollowingbusinessday.NointerestwillbepaidiftheaccountbalancedoesnotexceedUSD100.00ortheequivalent.Fortimedepositaccount,excludingthosebasedontheweeklybasis,theinterestshallbecalculatedonamonthlybasisandpaidatthematuritythereof.Providedthattheactualdepositperiodislessthanonemonth,interestshallbecalculatedonthedailybasis.
活期存款按日计息，除英镑、港币、新加坡币、泰铢及南非币以365日计算外，其余外币依外币存款之市场惯例以360日计之。
活期存款利息于每年六月二十日及十二月二十日各结算乙次，并于次营业日存入存户之账户内；但存款金额低于活期存款等值美金壹佰元时不予计息。
定期存款，除以周为期别外，足月部份按月计息，不足月部份按日计息，到期一次付清。
5.Passbook/TransactionDocuments存折/交易文件
IftheaccountbalanceisinconsistentwiththeBank’sinternalrecord,theDepositorshallagree（andcertify）thattheBank’sinternalrecordisdeemedcorrect.AnyrelevantdocumentsretainedbytheBankshallserveastheprimaryrecordoftransactionsandbetreatedasanevidenceintheeventofanydisputebetweentheDepositorandtheBank.
存款金额与贵行相关帐载金额不相符时，存户同意以贵行帐载金额为准。
若存户与贵行有任何争议时，贵行持有之相关文件将视同原始凭证，具有法律证据效力。
6.Set-Off抵销
IftheDepositorissubjecttopetitionforbankruptcy,liquidation,reorganization,suspensionofbusiness,compulsoryexecution,provisionalseizure,provisionalinjunction,oranyothersimilaradministrativepunishment,alltheDepositandloanundertheAccountshallbedeemedmatured.TheDepositorlosesalltherightsoftheDepositandloan,andtheBankmayexerciseset-offrights
accordingtorelevantlawsorregulations.
存户如有依破产法声请和解、声请宣告破产、声请清理债务、声请公司重整、经票据交换所通知拒绝往来、停止营业、受强制执行、扣押、处分或其它保全处分等情事时，账户项下之存、借款均得视为全部到期，存户并丧失一切期限利益，由贵行依法行使质权或主张抵销。
7.Notice通知
AnycommunicationornoticefromtheBankshallbesenttotheDepositorattheaddressand/or
telephonenumberindicatedonthebackoftheDepositor’ssignaturecardforforeigncurrencydeposit,unlessotherwisestipulated.TheDepositorshallpromptlynotifytheBankofanychangeoftheaddressand/ortelephonenumberinwriting.Intheeventofanychangeoftheaddressand/ortelephonenumber,theBankshallhavenoresponsibilityforanypossiblelossunlessanduntilnoticethereofisactuallyreceivedbytheBankinwriting.
贵行一切资料之通知或寄发，除另有约定外均以存户印鉴卡背面留存之住址、电话为准。
存户住址、电话变更时，应立即以书面方式通知贵行。
如未为通知或在贵行实际收到通知前，贵行将有关资料于向本开户总约定书所载或存户最后通知贵行之住址、电话发出后，经通常之邮递期间或电话发出后即视为到达。
8.Error错误
IntheeventanamountiscreditedtotheDepositor’saccountthroughanerroroftheBankorathirdparty,notwithstandingtherecordofthepassbook,theBankmaypromptly,upondiscoveryofsucherror,correctsamewithoutnotifyingtheDepositor.Iftheoutstandingbalanceisinsufficientforsuchcorrection,theDepositorshallimmediatelyrefundsameuponnoticeoftheBank.
如因贵行或第三人错误将款项存入存户帐内，不论对账单/存折如何记载，一经发现，贵行即得更正。
倘若存户帐内金额不足以供贵行更正，存户应即将差额对贵行补足。
9.Depositor’sInformation存户资料之使用
TheDepositorherebyunderstandsandagreesthattheBank,undertheirbusinessneedsorotherrelevantlaws,hastherightofinformationcollection,processing,transferringandusagerelatingto
theDepositorandofinformationprovisionforanypersoninchargeofsuchrelatedbusiness.
存户了解并同意贵行有权于其营业目的或其它法令许可范围内，对存户之数据搜集、计算机处理或国际传递及利用，并得将之提供与贵行所委任处理营业相关事务之人。
10.Amendment修正
IftheBankamendsanytermsandconditionsand/orserviceshereof,suchamendmentshallbenotifiedatthebranchesorontheInternetoftheBank.ThetermsandconditionsrelatingtotheAccountwillbeautomaticallysubjecttotheamendmentthereof,unlessadditionalapplicationisrequiredandtheDepositorshallbedeemedtoagreetheamendmentthereof.
嗣后贵行有增加或修改存款相关服务项目时，贵行应将增、修后之约定书置于营业处所供索阅，或将增修项目及约款公告于营业处所明显处，或于贵行网站上公开揭示，除贵行规定必须另行申请外，立约人得自动享有增、修项目之服务，且一经使用增、修服务后，即视为同意增、修服务项目之约定。
11.GoverningLanguage适用语言
ThisdisclosureiswritteninbothChineseandEnglish.Shouldtherebeanydiscrepancyordispute,theChineseversionwillbeusedinthefirstpriority.
本开户总约定书以中英文书写而成，若因中英文义歧异而发生争议，以中文版本为主。
12.GoverningLaw/Jurisdiction准据法及管辖法院
ThisDisclosure,anytransactioncontemplatedhereinortermsandregulationsnotmentionedhereinshallbegovernedbythelawsoftheR.O.C.andapplicablerulesandregulations.AnydisputearisingtherefromshallbesubjecttothejurisdictionoftheTaipeiDistrictCourtorotherDistrictCourtgoverningtheoriginalhandlingbranch.
本开户总约定书如有未尽事宜，悉依有关法令、贵行规定及国际惯例办理。
本开户总约定书、账户、存款及依其所为之各项交易均应依法律及相关法令规定办理。
因本开户总约定书、账户、存款而涉讼时，存户同意以台湾台北地方法院或存款开户之分支机构所在地之地方法院为管辖法院。
SpecialTermsandConditions 特别约定条款
1.SpecialTermsforForeignCurrencyDemandDepositAccount外汇活期存款约定条款
（1）Theinterestofdemanddepositaccountshallbecalculatedwiththeprevailinginterestrateonafloatingbasis.
本项存款按贵行牌告利率计息，采浮动利率计息。
（2）ThecurrencyusedtoestablishademanddepositaccountshallberestrictedtotheBank’sprevailingcurrencies.TheminimumdepositforestablishingademanddepositaccountisUSD100.00orequivalent.TheinterestfordemanddepositshallbecalculatedifandonlyifthebankbalanceexceedsUSD100.00orequivalent.RelatedtransactionsarepermittedonlybythepresentationofthepassbookandawrittenslipintheformandsubstancesatisfactorytotheBankwiththesignature/sealmatchingthespecimenkeptintheBank’sfile.
本存款币别限贵行存款利率挂牌之外币，存款之开户金额为等值美金壹佰元，计息单位为等值美金壹佰元。
存户应凭存折、本账户约定签章、存款凭条、取款凭条，办理存、取款。
（3）TheDeposit/passbookmaynotbeassigned,transferredorpledgedwithoutthebank’spriorwrittenconsent.
本存款（折）非经贵行事前书面同意，不得转让或质押。
2.SpecialTermsforForeignCurrencyTimeDepositAccount外汇定期约定条款
（1）ThecurrencyusedtoestablishatimedepositaccountshallberestrictedtotheBank’sprevailingcurrencies.TheminimumdepositforestablishingatimedepositaccountisUSD1,000.00orequivalent.Theprincipalandinterestoftimedepositcalculatedwiththeprevailingsimpleinterestrateonafixedbasisshallbepaidatmaturity.
本存款币别限贵行存款利率挂牌之外币，存款之开户金额为等值美金壹仟元。
本存款本息于到期日按固定利率以单利支付之。
（2）Fortimedeposit,noearlywithdrawalisallowedunlesstheDepositorservesnoticeontheBankat
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