南非标准银行客户往来总约定书翻译模板（中英文 下部分）

　　22. 适用语文 Language

　　本总约定书以中、英文本签订，如中英文义有歧异之情事，以英文本为准。

　　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. 转让 Assignment

　　(1) 客户同意银行得经书面通知客户将银行对客户全部或部分之债权或在本总约定书下之

　　权利及其对担保品所享有之权益转让予他人，由他人取得银行原所享有之权益。银行经

　　授权可将有关客户之信息透露予准受让人或主管机关。

　　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) 除非经银行事书面同意，客户不得转让或移转任何本总约定书下之权利或义务予他人。

　　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. 连带责任 Joint and Several Liability

　　如果本总约定书是由一位以上之客户所签订，则本总约定书中客户一词应包括其中任一人，且所有客户于本总约定书下之义务应负连带责任。联名账户的客户就该账户运作而对银行之权利及义务属连带性质。如客户中任一人死亡或破产时，则本总约定书对客户中之其它人仍继续有效，且银行在适用法律之拘束下，有权信赖客户其它人的指示。客户中之任何一人同意不论本总约定书对客户其中之任何人有无效或无法执行之情事，本总约定书对其仍具拘束力。

　　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

　　如客户欲与银行进行其它金融商品交易时，客户应另与银行签订规范此等金融交易之相关合约书。

　　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. 税捐 Taxes

　　凡拟由客户付予银行款项，客户均不得以其对银行主张抵销或为其它相对之请求。客户应给付金额为净税金额，客户不得自其中扣除银行目前或将来应负担之税捐(其中包括营业税与加值营业税，但经银行另以书面同意扣除者，不在此限)、扣除额、费用或所得税扣缴以及与给付有关之一切债务，但不包括就银行之净收入所课征之税捐。凡客户因依本约定书规定为付款，或因签署、交付或登记依本总约定书交付(或其它与融资或担保品有关之文件)，或为之办理其它事项，现行或将来负担之印花税、契税、应纳之规费、登记费或类似费用时，该等税捐或费用悉由客户负担，并且客户应视需要支付银行额外款项，俾使银行所实得之金额不低于本总约定书规定之金额。客户应将其因支付前开税捐或费用而取得之正式付款收据正本或经认证为真之副本送交银行。倘银行因之增加负担时，就该额外之支出，客户亦应补偿银行。

　　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. 还款币别 Currency of Repayment

　　如客户任何非新台币债务到期时，客户应以该货币清偿该债务并取得换汇必要之核准。如客户交付银行新台币以取得外汇清偿债务者，于该笔新台币款项未兑换为该相关外币之前，客户之债务不构成清偿。于交付至兑换时新台币与为该外币间之汇率变动风险，悉由客户承担。

　　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. 款项之抵充 Application of Payments

　　客户对银行所为之付款，其抵充债务之顺序由银行依适用之法律决定之。

　　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. 定期审查 Periodical Review

　　银行得定期审查客户之资料，包括但不限于客户身份、职业、财务背景、所得来源及账户用途，客户同意于银行所定期限内提供银行相关资料。除第 21条第(1)项所列资料外，银行对客户所提供之资料应保密之不得泄漏予他人。如客户逾期未提供相关数据或提供不实之数据，银行得依其裁量以书面通知客户终止客户的账户。

　　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. 真实性 Accuracy

　　客户所提供予银行之各项文件及/或数据均为真实、正确且无误，若有不实或不符之情形发生，客户愿负担一切相关之法律责任。

　　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. 解释 Interpretation

　　本总约定书内可能含有之打印错误，应透过对本总约定书相关内容上下文合理解释之方式予

　　以处理。本总约定书所用标题仅为方便参考，并不影响本总约定书之解释。

　　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. 定期存款账户特别条款 Additional Terms for Time Deposit Account

　　1. 定期存款之利率依每一笔定期存款申请书及银行随后签发的定期存款收据上之记载。

　　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. 对于新台币或外汇定期存款，客户得依银行定期存款须知之规定请求银行在约定之到期日之前以存款币别偿付定期存款，但客户提前终止定期存款者应支付银行相关手续费用。

　　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约，但客户应于至少两个工作日以前通知银行。定期存款中途解约利息之计算，系按实际存款日数依下列规定单利计息;若客户与银行间另有约定者，从其约定;(1) 存款未满一个月时，不予计息;(2)存满一个月未满三个月时，照存款银行一个月牌告利率或存单利率，何者孰低八折计息 ; (3) 存满三个月未满六个月时，照存款银行三个月牌告利率或存单利率，何者孰低八折计息;(4) 存满六个月未满九个月时，照存款银行六个月牌告利率或存单利率，何者孰低八折计息;(5) 存满九个月未满一年时，照存款银行九个月牌告利率或存单利率，何者孰低八折计息;(6) 前述各牌告利率，以中途解约当日之牌告利率为准。

　　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. 客户应最晚于到期日前七个营业日内提供银行处理到期新台币定期存款之指示，如果客户怠于为此指示，银行得将客户之定期存款本金连同利息，于扣除相关税赋后，自动续约至相当于前存款之期限，并以当时适用之利率计算利息。

　　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. 外汇存款账户特别条款 Additional Terms for Foreign Exchange Deposit Accounts

　　1.如作外汇存款的资金系以新台币兑换者，则利息的计算自兑换完成时起算。

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

　　2. 因迟延收受任何币别支付或因汇率改变所生的任何成本，由客户自行负责。

　　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. 客户应最晚于到期日前两个营业日内提供银行处理到期外汇定期存款之指示，如果客户怠于为此指示，银行得将客户之存款，自动续约至相当于前存款之期限，并以当时适用之利率计算利息。

　　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. 外汇综合存款 Multiple Foreign Currency Deposit

　　(1) 外汇活期综合存款账户之存款及提款皆以汇款为之。客户自外汇活期综合存款账户提领

　　款项时，应依银行收费标准支付交易手续费。前开手续费并得由银行随时修改调整，经

　　显著方式公开揭示于营业场所后生效。

　　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) 外汇活期综合存款账户之交易币别包括美元、日圆、南非币、欧元、加拿大币、英镑、澳币、瑞士法郎、及其它银行同意之货币，由客户自行选择一种或多种币别，并得于法令许可之范围内随时相互转换。客户如需将款项自一种外币兑换成另一种外币时，应依交换当时与银行议定兑换该外币之汇率计算。客户应自行承担相关外汇价值波动及兑换损失之风险。

　　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) 外汇活期综合存款账户为无单无折，客户应依银行一般作业或电话银行服务规章之规定

　　进行交易。银行得寄发综合对账单予客户俾使其了解外汇活期综合存款账户往来状况。

　　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) 倘银行因行使质权或其它原因而须自外汇活期综合存款账户取得款项时，客户应负外汇

　　结售或币别转换之义务客户并授权银行于必要时得代客户办理外汇结售或币别转换，以抵偿担保债务。该项授权非经银行同意，不得撤销。

　　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. 融资条款 Additional Terms for Facility

　　1. 贷方账户 Credit Account

　　银行应于其帐簿内开立以客户为名之一个或数个贷方帐，以登载提供予客户之融资的拨贷、

　　币别、清偿、提前清偿、利息、费用及与融资有关之其它应付实付金额之计算与支付。若无

　　明显计算错误，则此等贷方帐即为客户随时积欠银行款项之最终证据，对客户具拘束力。此

　　外，凡经银行合法授权之主管就客户当时应付金额出具证明表示该金额已届清偿期时，该证

　　明亦为终局之证明，对客户具拘束力。

　　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. 客户之违约情事 The Customer's Event of Default

　　(1) 下列任一情事均构成客户之违约情事：(i)客户未清偿对银行或第三人之任何到期债务之本金; (ii)客户自行或被他人依破产法声请和解，声请宣告破产或声请重整;(iii)客户日前经营的主要营业失败或停止营业;(iv)票据交换所宣告客户为拒绝往来户; (v)客户怠于依银行之要求以及相关约定履行提供担保品之义务;(vi)客户之继承人声明为限定继承或抛弃继承;(vii)客户因刑事控诉而被宣告没收主要财产; (viii)客户未清偿任何到期利息; (ix)担保品被查封或担保品灭失，价值减少或不敷担保债权; (x)依与担保品有关之保险单规定

　　应缴纳之保费未经按期缴纳，或未经银行同意以向保险公司借款之方式抵缴保费; (xi)客户对银行之借贷资金用途与银行原核定之用途不符; (xii)客户财物受强制执行，假扣押、假处分或其它保全处分或将由主管机关指定之人接管控制客户之此等财产或营运;(xiii)银行获悉客户所提交之财务报表、合约或其它文件内容系不真实或遗漏重要事实;或(xiv)任何原因情事经银行合理判断，认为已造成或可能造成客户财务状况产生实质不利之影响致银行有不

　　能受偿之虞。

　　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) 客户如有上述第(i)款至第(vii)款情形，银行无须经请求或通知，如有第( viii)款至第(xiv)款情形，银行于二十日前通知或催告客户后，客户对银行所负之一切债务应即视为到期，银行得要求客户立即清偿，并得为下列行为： (i)以抵销、变卖、拍卖或其它方式处分担保品; (ii)提示银行所持有客户所签发之任何本票;及(iii)为其它法律所准许办理之行为。

　　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. 或有债务之预付或付款催告 Prepayment of Contingent Liabilities/Cash Call

　　如客户未清偿到期债务，或发生违约情事并在继续中者，银行得采取下列措施： (i)银行得(但不负此项义务)就其因代客户或代他人(但由客户保证或提供他种担保)签发信用状、承兑书、保证书所有已生之或有债务(以下称「或有债务」)，于到期日前提前清偿其全部或一部。客户并应于经银行请求立即归垫贵行之提前清偿金额，并按下列第4项规定之利率，就自银行先行提前清偿之日起至客户归垫之日止之期间，支付迟延利息;及/或 (ii)银行得于通知客户后(以下称「付款催告」)要求客户立即将与当时未清偿「或有债务」金额相等之款项，存入以银行为名之一个或多个户头内(以下称「专户」)。银行得(但不负此项义务)自该「专户」领取款项用于清偿到期或提前支付全部或一部之「或有债务」。若该专户内之存款余额不足支付时，客户应依银行之要求补足之，以供清偿到期或提前清偿「或有债务」及其利息，但所有债务经向银行清偿，且行亦已免除所有之「或有债务」之责任后，「专户」内之所有存款余额退还客户。

　　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. 迟延利息与赔偿金 Default Interest and Indemnity

　　除融资文件、相关交易之合约、申请书或确认书另有约定者外，客户任何应付而未付之款项

　　于客户发生违约情事，经银行请求时，不论在法院判决前或之后，应立即按银行所订该有关

　　币别之短期放款所适用之利率加计百分之三或以法律所允许之最高利率(视孰者较低)加计

　　迟延利息(以下称「迟延利率」)。迟延利息应在法律规定所允许之范围内，按复利计算。除

　　迟延利息外，倘因客户发生违约情事致银行遭受损失或产生费用时，客户应赔偿银行之损失，

　　和负担银行之费用，并使银行不因此而遭受损。

　　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. 法律之变更 Change of Law

　　如有关法律规章及命令或其解释或适用发生变更致银行依法不得贷放或维持融资予客户时，

　　该笔融资即不得贷放予客户，客户应立即或在该法令准许之较长期间内，提前偿还该笔融资，

　　或使银行免除其就融资所承担的或有债务。

　　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. 担保品 Security

　　(1) 为担保客户对银行之债务，客户兹将担保品设定担保权利予银行，客户对之所享之一切

　　权益银行对之享有担保权益。客户并承诺交付银行表彰担保品之一切书据与文件;并依银行指示于该等书据与文件上背书。银行得有时在法令许可之范围内，将客户设定质权予银行之存款与客户对银行之债务予以抵销或用以清偿客户对银行之债务。

　　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) 客户兹向银行声明与保证客户或担保品之提供人系担保品之合法所有权人，除银行外，未设定任何负担于其它第三人。客户应维持担保品之价值。如担保品因任何原因有价值不足或就之有争议发生时，客户应依银行之要求立即更换担保品或提供形式与内容均足以让银行满意之额外担保品。倘担保品经收归国有或被征用时，银行代客户收受任何相关给付，并得在适用法令许可之范围内，以之清偿债务。

　　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) 只要银行认为必要或适当，客户应于经银行提出请求后，立即增加担保品、保证或更换

　　之，该担保品之形式与内容以银行满意者为限。

　　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) 客户应依银行之要求及实务之需要，以其自已之费用，就担保品为必要之登记以保障银

　　行对于担保品所享之担保权益，并且就担保品向银行所认可之保险公司投保适当之保险，保险范围及保险金额应为银行所认为适当者，保险金额不得低于担保品之市价，并以银行为保险受益人，并交付银行保险证明文件。

　　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. 客户之承诺事项 Customer's Covenants

　　(1) 在融资未获全数清偿之前，客户应： (i)维持其公司之持续，以及维持为经营其业务、营运或拥有财产所有权所必要之执照; (ii)有次序，有效率并正常地经营其业务; (iii)遵守

　　一切有关法规命令以及主管机关之命令规定; (iv)设置适当之帐簿与纪录; (v)于未遭课征滞纳金之前即缴纳对客户、其收入、盈余或财产所课征之一切税捐，并清偿其它一切合法之请求，以免因未清偿致使客户之财产，包括担保品在内，有法定留权权、质押担保或其它之负担。

　　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) 如银行提出要求，客户应让银行之代表(包括其所聘用之独立会计师或其它顾问)于正

　　常营业时间内查核客户与融资相关或履行清偿融资债务有关之帐簿纪录，并制作其摘录。

　　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) 在客户未全部清偿债务之前，客户为公司组织者，应于银行所要求之时间内，提供银行

　　有关客户公司之各类财务报表，包括但不限于资产负债表、损益表、保留盈余与股息拨

　　补表，包括前会计年度同期之金额。上开各种报表应具备详细合理之内容，应以新台币

　　为单位表示。此等财务报表应系依中华民国一般适用之公认会计原则编制，且应经客户

　　之董事长或总经理或财务主管签发证明，表示据其适当查核所知，客户无违约情事或其

　　他经通知或相当时间后可能构成违约之情事，或如违约情事已发生或进行中时，则应说

　　明该「违约情事」之性质，以及客户所已或拟采取之因应措施。客户并应依银行随时之

　　要求，送交银行有关客户财务及营运情况之其它资料。

　　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) 客户应随时签署盖章并交付金额不超过债务最大金额本票、授权银行填入本票到期日及

　　利息等事项之授权书以及其它文件或书据。此外，客户亦应办理经银行认为为达成本约定书及(或)完成、保全或实现担保品或任何基于其而产生之有关收入、股息、利息或其它收益所需或适当之行为或事项。

　　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

　　如银行提出要求，客户应让银行之代表(包括银行所聘用之独立会计师或其它顾问)于正常

　　时间内进入客户营业场所查核客户有能力履行其与银行间融资交易义务之相关帐簿记录及文件，并制作其摘录。

　　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.

　　客户资料 -个人 (Customer Information -Individual)

　　客户姓名 Name of Customer

　　1) 客户声明所填写之前述各项数据为正确且真实。若有任何改变，客户将立即通知银行。

　　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) 就前列账户给予指示所使用之签章，应符合客户提供银行相关账户印鉴卡内所留的签章。

　　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) 客户同意日后之交易应以客户之名义，依银行随时公布相关账户之规定及其修正的规定为之，并愿就所有载有登记印鉴或有权签字人员签字的文件负责。

　　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).

　　本客户往来总约定书于下列日期签订。

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

　　年(Year) 月(Month)日(Day)

　　客户 Customer

　　客户签章 (Customer's seal/signature)