GENERAL CUSTOMER AGREEMENT OF

　　THE STANDARD BANK OF SOUTH AFRICA LTD.

　　南非标准银行 台北分行 Taipei Branch 国际金融业务分行 Offshore Banking Unit

　　Standard Bank of

　　South Africa Ltd. (所勾选适用之分行以下称「银行」;the applicable branch hereinafter the "Bank")

　　立约人(以下称「客户」)同意就其在银行开设账户以及与银行间之融资交易，悉依本总约定书之规定，所有有关账户或融资交易有关之申请书件、合约、确认书或指示等，除在该

　　等书件另有特别约定外，均应受本总约定书之拘束。

　　The undersigned, (the "Customer") hereby agrees with the Bank as follows with respect to its opening bank accounts with the Bank and entering into facility transactions with the Bank. All applications, agreements or contracts, confirmation or instructions in connection with the Customer's bank accounts or facility transactions with the Bank shall, unless otherwise provided therein, be subject to and governed by the terms of this Agreement.

　　客户兹申请以其名称在银行开立下列勾选的账户：

　　The Customer hereby requests the Bank to open the following account(s):

　　外汇活期综合存款账户Multiple Foreign Currency Deposit A/C

　　新台币活期存款账户 New Taiwan Dollar Demand Deposit A/C

　　外汇定期存款账户Foreign Exchange Time Deposit A/C

　　新台币定期存款账户 New Taiwan Dollar Time Deposit A/C

　　其它 Others

　　A. 一般条款 General Terms

　　1.定义 Definitions

　　(1) 「账户」系指以客户之名义于银行开立的账户。

　　"Account" shall mean any account opened with the Bank in the name of the Customer.

　　(2) 「营业日」系指除星期六及星期日外在台北市之银行有对外营业之日。

　　Business Day shall mean any day other than a Saturday or Sunday on which banks are open

　　for business in Taipei.

　　(3) 「存款」系指存放在客户于银行所开立账户之款项。

　　"Deposit" shall mean any funds deposited in the Accounts of the Customer.

　　(4) 「融资」系指由银行基于其直接与客户所进行之交易，或银行与他人进行交易，由客户

　　提供保证或供担保，而由银行开立票据或汇票、提供贷款或保证、垫款或开发信用状、提供透支、办理银行承兑或办理外汇交易或其它资金融通。

　　"Facility" shall mean any negotiable instrument, draft, loan, guarantee, advance, letter of credit, overdraft, banker's acceptance, foreign exchange transaction or other credit facility extended or to be extended by the Bank, whether arising from the Customer's direct transaction with the Bank or from the Bank's transaction with another person guaranteed or otherwise secured by the Customer.

　　(5) 「融资文件」系指客户为使用融资所签署或签发之所有协议书与书据，其中包括本票。

　　"Facility Documentation" shall mean any and all agreements and instruments, including promissory notes, signed or issued by the Customer in conjunction with its utilization of any Facility.

　　(6) 「债务」系指客户对银行现在或嗣后所结欠之一切债务、义务及责任，不论其为确定债

　　务抑或是或有债务、已到期或未到期债务、经结算或未经结算之债务，亦不论客户系担任主债务人、保证人、背书人或基于其它原因所生者，亦不论其系因任何融资、契约、侵权行为或法律适用而产生之本金债务、利息、费用、迟延利息、违约金、工本费用、手续费、归垫款或其它名目之款项，亦不论系直接所产生者或因转让、继承或其它原因所取得者，亦不论系银行为自已利益或为他人之利益代理他人而负担之债务。

　　"Liabilities" shall mean any and all current or future indebtedness, obligations and liabilities of the Customer to the Bank, absolute or contingent, due or not due, liquidated or unliquidated, whether as principal debtor, guarantor, endorser or otherwise, whether for principal, interest, fees, default interest, penalties, costs, expenses, reimbursements or otherwise, arising out of any Facility, contract or tort, or by operation of law, whether created directly or acquired by assignment, succession or otherwise, and whether held for the account of the Bank or as agent

　　for another person.

　　(7) 「担保品」系指用以担保现在或将来客户对银行之各类债务之不动产、动产、存款、票

　　据、与动产有关之所有权状与其它文件、客户之应收帐款、客户对银行之请求权及其孳息。

　　"Security" shall mean any and all real estate, chattels, deposits, negotiable instruments, title and other documents and claims relating to chattels, receivables of the Customer, any other claim of the Customer against the Bank and any proceeds thereof which are to secure any and all current and future Liabilities of the Customer to the Bank.

　　2. 开户程序 Account-Opening Procedure

　　客户开户时，应将真实姓名、住址、通讯处及身份证号码详细填明于印鉴卡内，如系公司行号并应填明负责人姓名、营业所在地，并加盖公司行号印章，嗣后如印鉴卡内所记载的事项遇有变动，应随时以书面加盖原留登记印鉴或签字通知银行。

　　In opening an account at the Bank, the Customer should register a specimen signature card giving

　　details of his/her name, address, mailing address and number of personal identification. If the Customer is a firm, name of its representative, address of the place of business should also be specified in the registered specimen signature card. In case of a change in any items specified in the registered specimen signature card, the Customer should notify the Bank in writing affixing the seal or bearing the signature registered on the specimen signature card in the Bank.

　　3. 授权签字的变更 Change of Signing/Seal Authority

　　如客户登记印鉴卡的印章遗失或因授权签字之人及其签章有变更时，客户应依银行相关的规定办理变更印鉴卡上登记的印鉴，且除非银行已收到客户的变更登记签字书面通知，否则该变更对银行不生效力。

　　In case of the loss of Applicant's seal registered on the specimen signature card or a change in any

　　authorized signatory or the registered seals of the Customer, the Customer shall have the registered specimen card changed accordingly in compliance with the relevant rules of the Bank. No change in any authorized signatory or seal of the Customer shall have binding effect on the Bank until the Bank has received the relevant notice of the change of the authorized signatory or seal.

　　4. 付款 Payment

　　(1) 倘银行就个别账户应付款之日为非营业日时，银行应于次一营业日给付。

　　Payment to be made by the Bank with respect to any account on a day which is not a Business

　　Day shall be made on the next Business Day.

　　(2) 银行于现在或将来就任何账户或存款之付款所发生之各项税捐及费用，均应由客户负

　　担。

　　All taxes, duties, charges, or deductions in respect of any payments or to be made by the Bank

　　on behalf of the Customer shall be borne by the Customer.

　　(3) 客户应于债务到期(不论系因提前到期或其它原因而到期者)时向银行清偿债务。除相

　　关交易之融资文件或交易申请书或确认书内另有规定者外，客户对银行所为与债务有关之付款，均应于到期日台北时间上午十一时以可立即兑现之新台币汇入银行指定之帐户及(或)银行随时通知客户之其它账户或地点。

　　The Customer shall make payment to the Bank with respect to the Liabilities when due whether by acceleration or otherwise. Unless otherwise provided in the Facility Documentation or application or confirmation for the relevant transactions, all payments to the Bank by the Customer with respect to the Liabilities shall be payable in New Taiwan Dollars, not later than 11:00 am (Taipei time) on the due date in immediately available funds to the designated account of the Bank or to such other account or place as the Bank may from time to time designate by notice to the Customer.

　　(4) 除相关交易之融资文件或交易申请书或确认书内另有规定者外，客户就融资应支付之利

　　息与费用，应逐月于银行所订之日期支付，但如果银行已选择先扣抵利息或费用金额者不在此限。

　　Except as otherwise provided in the Facility Documentation or application or confirmation for the relevant transactions, interest and fees on Facilities shall be paid monthly on the date in each month specified by the Bank unless the Bank has elected to discount fees or interest in advance.

　　(5) 付款日 Payment Day

　　当客户应支付银行款项之付款日非营业日时，则应以次一营业日为付款日，但若次一营业日属于次一历月时，则应以前一营业日为付款日。

　　Whenever a payment shall become payable from the Customer to the Bank on a day which is not a Business Day, such payment shall become payable on the next succeeding Business Day unless as a result thereof, such payment would be made in the next calendar month, in which case such payment shall be payable on the preceding Business Day.

　　5. 利息 Interest

　　每一种存款之利率应依银行所签发之合约、文件或各有关法律之规定计息。银行得随时调整相关币别适用之牌告利率而毋庸事前通知或取得客户之同意。利息的计算自银行收受可利用的存款金时起算并按实际存款天数以存款余额每日计息。新台币活期存款及新台币定期存款之利息以每年三百六十五(365)日为计息基础，外币存款则依各相关市场惯例作为计息基础。银行就客户存款之利息所得，将依法扣缴税款。在联名账户时，银行将依客户数据域内所指定之利息所得纳税义务人之名义，依法扣缴税款。

　　Any interest rate applicable to each deposit shall be as specified in the agreement or other documentation issued by the Bank or in accordance with the relevant regulations. In the event that the Bank determines an adjustment of the prevailing interest rate posted by the Bank is necessary or appropriate, the Band may adjust such rate without advance notice to, or the consent of the Customer. Interest will accrue from the date that the related funds are deposited in the relevant Account and will be calculated on such Account’s daily balance for the actual number of days elapsed. Interest on any New Taiwan Dollar demand deposit and New Taiwan Dollar time deposit will be calculated on the basis of a year of 365 days. Interest on any foreign currency deposit will be calculated in accordance with the relevant market practice. The Bank will, in the light of applicable law, withhold tax payment on the interest income arising from the deposits in the Customer's Account(s). In the event of a joint account, the Bank will withhold the tax payment on any interest income arising from the deposit of the Customer under the name of the person who is

　　indicated in the Customer Information as the taxpayer.

　　(2) 客户使用银行提供融资之利率依客户与银行所签订之合约、文件或相关交易之申请书或

　　确认书之约定。新台币放款之利息以每年三百六十五(365)日为计息基础，按实际日数计息。

　　Any interest rate applicable to any Facility provided by the Bank and utilized by the Customer shall be as specified in the agreement or any document, application, or confirmation signed by the Customer and the Bank with respect to the relevant Facility transactions. Interest on any New Taiwan Dollar Facility will be calculated on the amount outstanding under the Facility for the actual number of days elapsed on the basis of a year of 365 days.

　　6. 对账单 Account Statements

　　活期存款不设存折，但银行得应客户之要求，随时印发对账单予客户。除另有约定或当月份无交易者外，银行将于每月签发对账单予客户，该对账单是相关账户的主要记录，客户如发现任何错误，应于收到对账单七个历日内通知银行，若未在前述七个历日期间内向银行提出错误通知者，则该对账单将视为正确无误。银行留存之对账单复印件视同为合法之原始凭证，具有法律证据效力。

　　There is no passbook for a demand deposit account, but a statement can be printed out and issued to the Customer any time at the Customer's request. Unless otherwise agreed or unless there are no

　　transactions for the month, the Bank will issue a monthly statement to the Customer and such statements will serve as the primary record of the account. Any errors noted by the Customer shall be reported to the Bank within 7 calendar days after receipt of the statement. Such statements shall be deemed correct if no error notice is given to the Bank within the aforesaid 7 calendar days. Copies of the said statements retained by the Bank shall be deemed to be lawful original documents having the effect of legal evidence.

　　7. 银行付息日 The Bank's Interest Payment Date

　　除定期存款外，存款利息将于每年六月二十日及十二月二十日自动记入客户之账户，但另有约定者，从其约定。若付息日为星期例假日，则将于次一营业日给付。

　　Except for a time deposit account, interest is, unless otherwise agreed, automatically credited to the Customer's Account on June 20 and December 20 of each year. If the payment day is a holiday, the interest will be paid on the next Business Day.

　　8. 抵销 Set-off

　　除适用之法令或银行与客户间特别约定禁止抵销者外，银行有权随时于事前或同时通知客户后，无须经客户同意就客户于银行之存款主张抵销，以之偿付客户因各项交易应付银行之各种款项，如借款本金、利息、迟延利息、违约金、即期或远期外汇买卖契约、选择权交易或外汇保证金交易及费用。为能依本条款对客户相关存款账户的存款有效行使抵销权，客户

　　并同意于银行行使抵销权时，其对银行就相关账户之权利视为到期。

　　Unless otherwise prohibited by the applicable laws and regulations, or by specific agreement between the Customer and the Bank, the Bank shall be entitled, with prior or contemporaneous notice to the Customer, without the Customer’s consent, at any time to set off and apply any and all deposits in the Customer's Account(s) against any and all sums, such as repayment for credit principal, interest, default interest, penalties, foreign exchange contracts on spot or forward basis, option transactions, collateral foreign exchange transaction and charges, due or to become due to the Bank arising from any transaction whatsoever between the Customer and the Bank. For the purpose of a valid set-off against the Customer's deposits in the relevant Account(s) under this clause, the Customer agrees that the Customer's claim against the Bank under the relevant Account(s) with the Bank shall be deemed due and payable when the Bank exercises the right of set-off.

　　9. 通知 Correspondence

　　(1) 除另有规定外，所有银行与客户之通讯得采口头、邮寄、电传、电报或专人送达之方式

　　为之。所有口头通知于向客户本人或其代理人口头陈述后视为到达;所有邮寄、专人送达、电传电报之通讯，应送至客户于数据卡上所载之地址或通讯号码，如为邮寄则于邮寄三个历日后视为送达，如为专人送达则于送达时，如为电传或电报，则于传送完成后收受确认覆码或传送完成之确认书时，视为送达。

　　Unless otherwise provided, all communications may be transmitted to the Customer either orally or by mail, telex, telefax, cable, or personal delivery. All oral communication shall be deemed to have been received by the Customer when spoken to the Customer or the Customer's representative, as the case may be. All communications by mail, personal delivery, telex, telefax, or cable sent to the address or communication numbers provided in the Customer Information Form or otherwise provided in writing by the Customer as the case may be shall be deemed to have been received by the Customer 3 calendar days after posting, immediately on delivery where delivered personally, and immediately upon transmission with answerback or confirmations of successful transmission where sent by telex, telefax or cable.

　　(2) 客户所为之通知，不论以口头、电传、电报、邮寄或其它方式传递，客户皆自负风险，

　　银行无义务探究其方式是否妥适。因通讯工具之故障或失误所导致之传讯或执行之迟延、失误或不正确，银行对客户或任何人皆无须负责。

　　All communications for or purported to be from the Customer, whether given orally or by telex, cable, mail or other telecommunication methods, are accepted and transmitted at the Customer's own risk. The Bank shall not be obliged to enquire as to the propriety or authenticity of any such communication. The Bank shall not be liable to the Customer or any other party for any delay, failure or inaccuracy in the transmission or communication of orders or in the execution of any order due to a breakdown or failure of transmission or communication facilities or any other cause beyond the Bank's reasonable control or anticipation.

　　(3) 如客户授权银行依据客户以电话、传真、电报或其它电子通讯方式所为之指示行事时，

　　客户应另行签署附件之「指示联络方式授权同意书」，以确保银行不会因为依据客户以此等联络方式所为指示行事而遭受任何损害。

　　In the event that the Customer authorizes the Bank to act upon the Customer's instructions given by way of telephone, facsimile, telex or any other form of electronic communication at any time, the Customer shall execute the Appendix "Communication Indemnity Agreement" so as to hold the Bank harmless for the Bank's action taken in accordance with the Customer's instructions given in such a method.

　　10. 存款之转让及设质 Transfer and Pledge of Deposits

　　非经银行事前以书面同意，客户就存款所为之设质、移转让与，以及与他人所为之任何约定，

　　对银行均无拘束力。

　　No pledge, assignment, transfer, or negotiation of any deposit shall be binding on the Bank until the Bank has given its written consent thereto.

　　11. 错误入款 Miscredit of Account(s)

　　不论已寄发之对账单如何记载，若银行因错误而致款项误入客户账户者，一经发觉，银行得立即撤销客户账户内错误记载的款项，倘若客户账户中之款项不足银行撤销，客户应立即补偿银行其差额，不得因任何理由迟延。

　　Notwithstanding the specification of any issued statement, the Bank, upon discovering an error in

　　crediting the Customer's Account(s), may reverse the erroneous transaction amount immediately. If the amount in the Account is insufficient to cover the reversal, the Customer shall, upon demand, reimburse the Bank for any deficiency, and the Customer shall not delay payment under any pretext.

　　12. 汇款取消 Cancellation of Remittance

　　由通汇银行汇来之款项虽经存入客户之户头，嗣后如该通汇银行通知取消或因任何原因银行未能自通汇银行获款时，银行当即取消该项存款。倘若客户账户中之款项不足银行取消，客户应立即补偿银行其差额，不得因任何理由迟延。

　　The Bank, even after crediting to the Customer's Account(s) any remittance from a correspondent bank, may reverse the credit in the Customer's Account when the Bank receives instructions from the correspondent bank to cancel such remittance or the Bank cannot obtain the money remitted from the correspondent bank for any reason. If the amount in the Account is insufficient to cover such cancellation, the Customer shall immediately reimburse the Bank for any deficiency thereof, and shall not delay payment for any reason.

　　13. 授权扣款 Payment of Charges

　　客户兹授权银行可径从客户之活期存款账户中扣除银行因提供服务所生之任何手续费用、佣

　　金、利息、迟延利息、违约金、外汇交易、远期外汇契约、选择权交易、外汇保证金交易或借款本金或其它之费用。

　　The Customer hereby authorizes the Bank to directly debit the Customer's Demand Deposit Account whenever necessary for repayment of all service charges, commissions, interests, default interest, penalties, payments of foreign exchange, forward contracts, option transactions, collateral foreign exchange transactions, borrowings or other fees or charges due to the Bank from time to time by the Customer as a result of the Bank's providing banking facilities or services to the Customer.

　　14. 静止户 Dormant Account

　　(1)客户兹同意如客户之账户除银行存入利息外，已有一年的时间，没有任何银行往来记录，银行得将之列为静止户，并通知客户，静止户的存款余额不计利息且不收取账户管理费或其它手续费。银行应公告静止户之条件，并得随时修改该等条件，惟银行应将修改内容印于或附随于对账单或其它书面于生效日六十天前邮寄至客户以书面向银行提供之最近期地址，或以显著方式于银行营业处所揭示以代通知。倘客户不同意银行之修改，得随时终止与银行

　　之往来及本约定书。

　　The Customer hereby agrees that, except for the interests deposited by the Bank, if there is no transaction recorded in for the Customer's Accounts for one year, the Bank may list these Accounts as dormant accounts (Dormant Account(s)) and send a notice regarding the same to the Customer. The credit balance of the Dormant Account shall not accrue any interest, and no account management fee, or other handling charge will be charged to the Dormant Account. The Bank shall make the terms and conditions governing a Dormant Account available, and is entitled to amend such terms and conditions at any time, provided that the Bank shall print or enclose such amendment on the account statements or otherwise notify the Customer in writing at least sixty days prior to the effective date of such amendment to the latest address provided by the Customer; alternatively, the Bank may satisfy this notice requirement by posting such amendment at a prominent location at the Bank’s business office. If the Customer objects to such amendment, the Customer shall be entitled to terminate the account with the Bank and this Agreement at any time.

　　(2) 若静止户欲恢复往来，客户应提供相关身份证明文件供银行查验无误后，方得恢复生效。

　　If a Dormant Account holder wishes to reactivate the Dormant Account with the Bank, relevant ID documentation shall be provided to the Bank for verification before re-activation of the account.

　　15.银行费用 Bank Charges

　　客户兹同意支付银行下列费用： The Customer hereby agrees to pay the following expenses:

　　(1) 任何账户于开户后三个月内关户者，客户应支付银行手续费。

　　The Customer shall pay a handling charge to the Bank for any Account that is closed within three months from the date of opening.

　　(2) 新台币存款户 New Taiwan Dollar Deposit Account(s)

　　客户之每月账户总余额未达银行规定之最低存款金额时，客户应给付银行帐户管理费。银行得随时修改有关最低存款余额或账户管理费之规定，惟银行应将修改内容印于对账单或其它书面于生效日六十天前邮寄至客户以书面向银行提供之最近期地址，或以显著方式于银行营业处所揭示以代通知。倘客户不同意银行之修改，得随时终止与银行之往来及本约定书。

　　The Customer shall pay the Bank a monthly management fee if the monthly amount of the total credit balance of the Customer's Account(s) is less than the minimum amount required by the Bank. The Bank is entitled to amend such minimum balance requirements or management fee at any time, provided that the Bank shall print such amendment on the account statements or otherwise notify the Customer in writing at least sixty days prior to the effective date of such amendment to the latest address provided by the Customer; alternatively, the Bank may satisfy this notice requirement by posting such amendment in a prominent way at the Bank’s business office. If the Customer objects to such amendment, the Customer shall be entitled to terminate the Account with the Bank and this Agreement at any time.

　　(3) 外汇存款账户 Foreign Exchange Deposit Account(s)

　　(i) 外汇活期综合存款 Multiple Foreign Currency Deposit Account(s)

　　由外汇活期综合存款户提取或存入原币现金者，应支付银行手续费。

　　For cash withdrawal from or deposit into a multiple foreign currency deposit account in the original currency, the Customer shall pay the Bank a handling charge.

　　(ii) 外汇定期存款 Foreign Exchange Time Deposit Account(s)

　　银行如同意客户提前终止外汇定期存款时，客户应支付银行手续费。

　　If the Bank, at the Customer's request, agrees to the repayment of the deposit before the agreed maturity date of the foreign exchange time deposit, the Customer shall pay the Bank a handling charge.

　　16.服务费用之调整 Adjustment of the Bank's Service Charges

　　客户同意遵守银行所订立有关服务费用之规定。但服务费用如有调整，银行将于于生效日六十天前以书面通知邮寄至客户以书面向银行提供之最近期地址或以显著方式于银行营业处所揭示以代通知。此费用于客户或银行终止相关账户或各项服务时将不予退还。倘客户不同意银行之修改，得随时终止与银行之账户往来及本约定书。

　　The Customer agrees to abide by the service charges prescribed by the Bank. In the event of an adjustment to such service charges, the Bank will notify the Customer in writing at least sixty days prior to the effective date of such adjustment to the latest address provided by the Customer; alternatively, the Bank may satisfy this notice requirement by posting such adjustment at a prominent location at the Bank’s business office. The charges provided herein are not refundable upon termination of the relevant accounts or of any services, whether by the Customer or by the Bank. If the Customer objects to such adjustments, the Customer shall be entitled to terminate the Account with the Bank and this Agreement at any time.

　　17. 不可抗力 Force Majeure

　　(1) 客户账户之各项存款限由银行偿付并适用中华民国法令之规定。倘银行因汇兑的限制，

　　征收，战争、内乱、或其它不可归责于银行的事由致未能履约时，得予免责，且南非标准银行的其它各地分行、子公司或关系企业亦无须负任何责任。

　　The deposits in the Customer's Accounts shall be repaid by the Bank, and the laws and decrees of the Republic of China shall apply. For any failure of performance by the Bank as a result of a restriction on foreign exchange conversion, confiscation, war, riots, or other reasons not attributable to the Bank, the Bank may be released from its liability hereunder. Neither the branches of Standard Bank of South Africa Ltd. in other areas nor the subsidiaries or affiliates of Standard Bank of South Africa Ltd. shall be responsible for such failure of performance.

　　(2) 不论本合约是否另有约定，对于因超出银行合理控制之因素，包括但不限于不可抗力事

　　件、传讯、通讯或计算机设备中断或不能运作、邮政或其它罢工或类似之产业事件、交易

　　所或交易市场、票据交换所停止作业等，导致银行未能履行其义务者，银行及职员、代理人或代表人不负责任。

　　Notwithstanding any provision to the contrary in this Agreement, the Bank and its employees, agents, and representatives shall be exempt from liability due to or arising out of any failure to perform all or any of the Bank's obligations arising from or by reason of any cause beyond the Bank's reasonable control, including, without limitation, any act of force majeure, any breakdown or failure of transmission, communication or computer facilities, postal or other strikes or similar industrial action, the failure of any exchange, market or clearing house, etc.

　　18. 修正 Amendment

　　银行有权随时修正前述有关存款账户之规定，以及银行服务之作业程序及限制。银行修正存款账户规定后，将依前述存款账户相关规定所载通知方式以书面通知客户，并载明修正内容的生效日期，客户若于修正条款生效日后继续相关的账户交易及/或使用任何服务，应视为已收到修正通知并同意修正后之条款。但如为因应法律之修订者，则不适用前述约定。

　　The Bank may amend the terms of the said rules regarding deposit accounts and the operation procedure and constraints applicable in respect of any services at any time. After the Bank amends the terms of the said rules regarding deposit accounts, the Bank will, in accordance with the said notice provision as provided, notify the Customer in writing and specify the effective date of the amendment. The Customer shall be deemed to have received notice of the amendment and to have decided to continue using the relevant account(s) and/or services on the amended basis if the Customer continues to use the relevant account(s) and/or services after the effective date of the amendment. Notwithstanding the foregoing, such notice provision does not apply to any amendment due to changes in applicable laws or regulations.

　　19. 准据法及管辖法院 Governing Law and Jurisdiction

　　就账户的运作以及当事人的权利义务，应适用中华民国法律及主管机关所随时颁布之规则、解释或命令。客户兹不可撤销地同意因本约定书规范之事项与银行争讼时，应以台北地方法院为非专属管辖法院。

　　Operation of the account(s) and the parties' rights and obligations hereunder shall be governed by the laws of the Republic of China and the rules or orders published from time to time by the competent authorities. The Customer hereby irrevocably submits to the non-exclusive jurisdiction of the Taipei District Court with respect to any dispute with the Bank in connection with the matters governed by this Agreement.

　　20.终止 Termination

　　(1) 客户得随时终止账户。除在法令或银行及客户约定许可范围内行使抵销权外，银行应将

　　终止账户之存款余额返还客户，客户兹同意如客户账户之存款余额为零并且连续三个月没有交易记录者，银行得依其裁量经书面通知客户终止客户的账户。

　　The Customer may close any Account(s) at any time. Unless the Bank is exercising its right of set-off to the extent permitted under the applicable laws, regulations or agreement between the Bank and the Customer, the Bank shall return the credit balance in the closed Account to the Customer. The Customer agrees that the Bank has the right to close the Customer's Accounts at its discretion by giving a written notice to the Customer if the Customer's Account has no credit balance and transaction records for three consecutive months.

　　(2) 客户不得将账户、金融卡等借予他人使用，亦不得作为洗钱、诈欺等不法或不当之用途，

　　或以诈术损害银行之信用，若法律有禁止并经银行查证属实，或经银行分析客户之账户有疑似不法或不当使用之情事或银行接获第三人检附治安机关报、备案证明，书面申诉时，银行得立即终止本约定书及其它相关服务，并得径行结清存款，存款余额则俟依法得领取者申请给付时，银行始为支付。

　　The Customer shall not lend any Account or debit card to be used by another person, or for money-laundry, fraud, illegal or inappropriate purposes, or any other fraudulent acts to damage the credit of the Bank. If any such behavior, prohibited by law and proved to be true by the Bank, or any Account is suspected by the Bank to be connected to illegal or inappropriate usage, or the Bank receives a third party’s written claim by presenting a report from the police or other law enforcement agencies, an indictment or other written complaint, the Bank shall immediately terminate this Agreement and other related services to the Customer and liquidate the Account. The Bank shall not return the balance of the Account except to such person and according to such rules and procedures as provided by law.

　　21.资料 Information

　　(1) 客户同意银行得基于营业登记项目或章程所定业务之需要等特定目的，就客户下述数据

　　为搜集、计算机处理、国际传递及利用，并得提供予财团法人金融联合征信中心 (以下简称「联合征信中心」)，由联合征信中心依章程所定业务之特定目的为计算机处理及利用。此外，银行为营运管理或拓展业务之需要，在中华民国相关法令允许下，亦得将下述资料提供予总行或其它各地分行或银行之控股公司、子公司、关系企业、银行所附属之任何控股公司的子公司、关系企业或银行依「金融机构作业委托他人处理内部作业制度及程序办法」所委托之第三人。

　　The Customer agrees that the Bank may, in accordance with specific purposes such as requirements arising from its registered business activities or the business activities specified in its articles of incorporation, collect, computerize, transmit internationally and utilize the following information of the Customer, and provide it to the Joint Credit Information Center for computerization and utilization according to the specific purpose of the business activities management requirements or other business development requirements and to the extent permitted by the relevant ROC laws and decrees, provide the following information to the Bank' head office, other branches,holding company, subsidiary or affiliate of the Bank, ,(s) any subsidiary or affiliate of the h( a) olding company of the Bank, or any third party who is engaged by the Bank in accordance with Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation:

　　(i) 客户之个人基本资料; basic personal data of the Customer;

　　(ii) 征信调查报告及授信契约相关之个人资料(含借款或其它银行融资之金额、期间、约定还款方式、逾期、催收及呆帐纪录);

　　investigation reports and personal data related to the credit agreements of the Customer (including amount of loan or other banking facilities; term; agreed method of repayment, overdue payment, collection and bad debts record);

　　(iii) 授信契约之动产或不动产及其它担保或保证数据;以及

　　information about chattel mortgages or real estate mortgages and other security or guarantee related to credit agreements; and

　　(iv) 客户之财务数据、存款数据暨其它与授信契约相关的个人资料。

　　The Customer's financial information, deposit information and other personal data related to credit agreements.

　　(2) 客户如向银行申请汇兑，客户同意银行得依第 (1)项及计算机处理个人数据保护法规定，将客户之个人基本资料国际传递予收款人及相关经手银行。

　　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 paragraph (1) and the Computer-processed Personal Data Protection Law.

　　(3)如客户请求银行停止计算机处理及利用或删除其个人资料时，除法令另有规定外，银行应立即将该请求以书面或其它媒体报送联合征信中心，银行及联合征信中心于收受该通知

　　后，应依客户之请求停止计算机处理及利用或删除系争资料并注记日期。如果客户此等请

　　求将对银行营运造成不便时，银行得经书面通知客户，终止客户之账户。

　　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 and decrees, transmit such request to the Joint Credit Information Center in writing or through other media. After receiving the aforesaid notice, the Bank and the Joint Credit Information Center shall stop computerizing and utilizing the disputed information 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.

　　(4) 客户得向银行查询建档内容及(或)联合征信中心所提供有关客户之资料。客户与银行

　　于发现前述数据有错误或发生正确性争议时，应立即将错误或争议之数据，检附相关证明文件，送交联合征信中心办理查证或更正。

　　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 correct data together with the relevant supporting documents to the Joint Credit Information Center for verification or correction.