GENERAL CUSTOMER AGREEMENT

　　致：西班牙对外银行 To: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

　　于相关法令允许之最大范围内，客户同意下列条款与条件之规定：

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

　　following terms and conditions:

　　(A部分 一般条款) (Part A - General Provisions)

　　1. 条文解读与名词定义 Interpretation and Definitions

　　1.1 于本约定书中： In this Agreement:

　　(a) 「资产」包括目前与未来之财产、营收与各种权利，且应包括所有商品、汇票、本票、任何性质之可转让票据、运货提单、收货单、交货单、仓单与收据及其他所与商品、存货、股份、现金、债券、存款其它证券等相关之所有权证明文件;

　　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) 「授权」包括授权、同意、核准、决议、许可、豁免、申报、登记与公证;

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

　　(c) 「银行」系指西班牙对外银行;

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

　　(d) 「客户」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、汇票、所有权文件、运送单据、保单及透过银行于进口或出口交易所处理之任何其它文件;

　　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) 「违约情事」定义如 A-1 部分第 10 条所述;

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

　　(g) 「汇率」系指由银行决定，于相关时间、外汇市场，将一种币别转换为另一种币别之当时适用汇率，且银行之决定为最终决定并对客户具拘束力;

　　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) 所称人(person)包括自然人(individual)、公司、独资经营、合伙及前述各单位之继任人及受让人;

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

　　(i) 除另有约定外，以单数表示之字词，包括复数含意，反之亦然;且以中性表示之字词，包括其它性别;

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

　　(j) 所称文件，包括该等文件之修订或增补内容;

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

　　(k) 所称法律条文，包括该条文之修订或重新颁布内容;及

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

　　(l) 所称条款或附表，包括本约定书之条款或附表。

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

　　1.2 若本约定书系由一位以上客户所签署，则每一客户就本约定所应负担之义务与债务，

　　应负连带责任。

　　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 客户对银行应负担之义务与债务，包括其过去、现在与未来、实际及可能对银行应负

　　担之义务与债务。

　　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 除依相关担保、法令规定所得享有之权利、权力与请求赔偿之权利外，本约定书另授予银行其它权利、权力与请求赔偿之权利。

　　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 本约定书标题仅为便利阅读，并不影响对本约定书之解读。

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

　　2. 条文应用 Application

　　本约定书所订定之条款与条件适用于按照银行自行决定之范围及方式得提供之授信且应受双方随时于其它文件、合约或申请书所约定之约束。

　　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. 还款 Repayment on Demand

　　3.1 客户应依银行要求，就其目前或未来到期之所有结欠款项，偿还予银行(不论系以主债务人、保证人之身份或以单独、与他人共同偿还之方式为之)。

　　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. 担保 Security

　　4.1 银行所持有之客户资产，包括依银行要求或代客户持有之资产(不论系代客户保管、代收、供作担保或为其它特定或一般目的而持有)，将作为清偿客户对银行之所有义务与债务之担保品。

　　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 客户授权银行(随时无须事前通知客户或任何其它人，并以银行认定适当之方式进行)

　　出售、处分或以其它方式处理供作担保品之客户资产。

　　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 银行得将任何出售、处分或以其它方式处理资产所得之净收入款项，作为履行客户对银行所应负担之义务并有权决定其先后顺序。

　　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 就本约定书所述作为担保品之客户资产，客户应投保银行所认可之保险，以支付于所有情况下所承受之损失或损坏。

　　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 客户依银行要求，应： The Customer shall, upon demand by the Bank:

　　(a) 提供形式与价值上属银行认可足以担保客户对银行所负义务之担保品;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) 签署及交付与客户资产相关之文件，其形式与内容均须符合银行要求。

　　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. 利息及佣金 Interest and Commissions

　　5.1 银行就客户未偿还或积欠之任何款项，得收取利息。于无特别约定之情况下，利息应按银行自行决定之方式，复利计算并支付之。利率之详细资料，应由银行另外提供之。除另有约定外，利息应按日以一年 365 日或 366 日(视情况而定)计算，并以新台币( TWD)或英镑支付;若以其它币别支付或依照市场惯例之币别支付，则以一年 360 日计算之。

　　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 除另有约定外，客户未于债务到期时清偿之任何款项，银行得依其主要放款利率年利率外加 8%作为迟延利息。客户就逾期债务偿还迟延利息之义务将直至客户偿还积欠银行全部之债务为止。

　　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 客户应依银行要求，就银行所提供之授信或服务，支付银行佣金、管理费与其它费用。佣金、管理费与费用之计算表将提供予客户。

　　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项进行提取 Drawing Against Uncollected Funds

　　若银行允许客户就待收款项或待转入款项进行提取，若银行未能于预定时间收取全额款项，或于接受转帐后，依正常银行实务，无法收取款项或无法自由运用款项时，则客户应依银行要求，补足所提取之全部款项。

　　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. 汇票承兑 Bills of Exchange Negotiation

　　7.1 若银行同意购买或承兑以客户为交易一方之任何汇票或可转让票据，则客户同意担保

　　于票据到期时之全部偿付，并就银行因此所产生之任何损失或合理费用予以全额补偿。

　　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 客户舍弃要求银行发出拒付通知及/或对任何不被兑现之票据进行注记与异议之权利，且不得影响银行对客户行使追索权之权利。

　　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. 资金转帐与电子银行业务 Funds Transfer and Electronic Banking

　　8.1 就银行提供予客户之任何软件或测试金钥，客户保证：

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

　　(a) 确知并未拥有软件及/或测试金钥之任何权利;

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

　　(b) 系于专属及不可移转之前提下，被授权使用软件及/或测试金钥，并仅得用于与银行提供服务之相关事宜;

　　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转让任何软件及/或测试金钥;或于未取得银行事前书面同意之情况下，不供任何第三人使用或复制;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) 维持软件及/或测试金钥及所有相关信息之安全与机密，除为使用银行所提供之相关服务之客户员工及代理人外，不允许其它人使用，并应确保前述人等亦将保持相关信息之机密性。

　　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 客户同意给予银行之任何指示，应受银行随时制定与提供之使用资金转帐服务之条款

　　与条件、作业规则、指引方针与程序所约束。

　　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 于不损及并同时适用第 10 条及第 13 条规定之情形下，客户应赔偿银行与其主管、员工及代理人因提供资金转帐服务所承担之任何损失、损坏、求偿或其它不利后果，但若该等损失、损害、求偿或不利后果，系因银行、其员工或代理人之重大过失或故意行为所致者，则不在此限。

　　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 凡拟由客户支付予银行之款项，皆应在免于抵销、反诉、减除、扣缴或任何条件之情

　　况下支付。若因法令规定而须扣缴或减除任何款项，则客户应支付之款项应予以增加，以使银行实际收取之款项，等于未扣缴或扣除此等款项前之金额。

　　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 客户支付予银行之款项，应按相关债务之币别支付，或若银行以书面表示同意时，则

　　可以不同币别支付，于该等情况下，不同之币别应按前述定义之汇率计算之。

　　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 依据任何判决、法庭命令或其它原因而支付银行之款项，皆不免除客户对银行之支付义务，除非且直至依本约定书约定，应支付之款项(以应支付之币别)已完全支付为止;且若按汇率实际转换为应支付之币别后之款项，少于所表示之金钱债务者，则客户应负责补足短少之部分。

　　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 为履行客户之义务而支付银行之任何款项，得运用于偿还客户之义务或存放于暂记款

　　账户中，以使银行保有证明客户未完全清偿之权利。

　　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 为履行客户之义务而支付予银行之任何款项，若因客户无力偿债、破产或清算等其它

　　法律原因而需由银行返还该等款项者，则银行对客户仍有请求返还之权利。

　　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. 费用 Expenses

　　10.1 就银行因准备、调整、办理、执行、保留本约定书之权利或由客户或第三人就客户对银行应负担义务所提供之任何担保品之相关事宜，而合理发生之所有合理成本、费用与开支(包括法律费用)，客户应依银行要求，支付及补偿予银行，但若该等成本、费用与开支，系因银行、其员工或代理人之重大过失或故意行为所致者，则应予排除于上述支付及补偿范围之外。

　　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 尽管客户未签署相关文件或客户之授信申请书未获银行所接受，上述成本、费用与开

　　支仍应支付予银行。

　　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. 抵销 Set-off

　　11.1 银行得随时加总或合并客户于银行、其子公司或控股公司所签发之所有账户，并以客

　　户之任何账户余额清偿其对银行之债务，不论债务是否到期、实际发生、未来发生、可能发生、未结算或未确定，亦不论付款币别、付款地点或透过银行之代理行为之据点。

　　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 为完成上述作业，银行被授权得就客户账户余额依银行当时适用之汇率进行换汇。若

　　按适用之汇率转换为应支付币别后之款项少于以应支付币别所表示之债务时，则客户

　　应负责补足短少部分。

　　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 条所述之任何债务尚未结算或确定，则银行仍得依诚信原则就估计之金额

　　行使抵销之权利。

　　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 银行依本条规定行使任何权利时，应尽快通知客户。

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

　　12. 留置权 Lien

　　银行为保管或任何其它原因，而持有或控制之客户财产，不论是否发生于正常银行业务过程中，均得行使留置权，并得出售客户财产以偿付客户对银行之债务。

　　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.赔偿 Indemnity

　　13.1 客户应赔偿银行及银行之代理人任何因提供客户授信额度或其它服务所发生或导致之

　　损失、损害、债务、合理成本与费用或其它不利后果。

　　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 客户应依银行要求，就任何可能因本约定书而对银行提起之诉讼，立即出庭进行辩护

　　并自行负担成本与费用。

　　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 于相关法令允许之最大范围内，银行有权委任债务催收代理人，向收取客户到期但未偿付予银行之任何款项。客户同意须补偿银行因委任债务催收代理人所合理发生之任何合理成本与费用。

　　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.信息与保密义务 Information and Confidentiality Obligation

　　14.1 客户提供银行之任何个人数据(如相关法律、规章或规则所定义)，应符合相关法律

　　之规定。

　　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客户同意为达成依相关登记或公司章程载明之营业活动之特定目的，并于法令许可之

　　范围内：

　　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) 就客户提供予银行或银行因其它原因所知悉之客户账户及与银行业务往来相关之所有信息(包括个人数据、账户余额及所提供之担保品)，银行得随时进行搜集、计算机化处理、于国际间传送、利用、揭露与移转予下列各人：

　　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)联合征信中心，以依据其公司章程所载之营运活动规定进行计算机化处理及利用

　　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)银行之任何办事处、分行、关系企业、联属公司、总公司、控股公司或该等总公司或控股公司之任何子公司或联属公司;

　　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) 就银行营业相关事宜，提供服务予银行之任何代理人、外包厂商或其它第三方服务供货商 (下称「服务供货商」);

　　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) 就客户账户银行所拥有权利之任何实际或预计之参与人、次参与人、受让人或承受债务人;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) 任何客户目前、未来拟进行业务往来之金融机构，以完成对客户所进行之征信工作。

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

　　客户同意于法令、法庭命令或政府或法令主管机关要求或许可之情况下，银行、其关系企业或联属公司或任何服务服务供货商，得揭露客户之任何信息。

　　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) 就提供客户贷款或授信之相关事宜，揭露下列信息/文件予供担保人：

　　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) 一份证明债务将受保证或担保之契约副本或其摘要;

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

　　(ii) 若客户未于接获银行通知后偿还积欠本行之款项，则银行得提供逾期催缴正式通知之副本;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) 随时依客户或供担保人之要求，提供最近期之银行对账单或授信资料之副本。

　　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 客户同意银行得于客户透过银行进行外汇汇款时，依据相关法令或规则之规定，以国

　　际传送方式将客户之个人数据传送给受款人或相关经手银行。

　　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 applicable laws, regulations, or rules.

　　14.4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其个人数据，并记录日期。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，终止其账户之使用。

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

　　14.6客户或银行做出任何终止账户之行为，除客户另以书面要求外，均不影响或终止客户

　　授权银行于终止账户后揭露其持有之客户信息效力。

　　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客户承诺，其登记于银行之姓名、地址及其它数据若有任何变动，应立即以书面通知

　　银行。

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

　　15.证明与计算 Evidence and Calculation

　　于无明显错误之情形下，依本约定书所作成之任何凭证，契约确认通知书或银行就利率、费率、金额或契约相关事项所作出之决定将具确定性约束力。

　　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.变动 Variation

　　于相关法令允许之最大范围内及提前至少 30 日通知客户之情况下，银行得自行决定变更、修订或增补本约定书之任何条款;且此等变更、修订或增补，应于前述通知所载明之日生效。

　　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.条文之可分割性(Severability)

　　若本约定书条款于任何司法管辖区域被认定为违法、无效或无法执行时，则不会影响：

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

　　(a)本约定书任何其它条款，于该等司法管辖区内之效力或可执行性;或

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

　　(b)该等条款或本约定书任何其它条款，于其它管辖区内之效力或可执行性。

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

　　18.其它义务 Further Obligations

　　本约定书不应被视为银行有提供或继续提供任何授信、其它贷款或服务予客户之义务。银行所提供予客户之任何授信，皆得由银行自行决定并通知客户终止、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.保险与鉴价 Insurance and Evaluation

　　19.1客户应向银行所认可之保险公司，就供担保/质押之财产、商品、资产或其它有价值

　　物品投保(银行有权随时决定其投保价值及风险种类)。

　　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客户依据上述第 19.1 条规定投保之任何保险，其理赔款项应支付予下列对象：

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

　　(a) 若属损失或毁损之情况，则应支付予银行;及 in case of loss or destruction, the Bank; and

　　(b) 若属损坏之情况，除银行另行同意外，应用于投保财产之回复原态。

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

　　19.3客户授权银行得依任何一份或多份保险契约规定，收领相关赔款款项。

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

　　19.4客户应依银行要求，立即将保障银行利益之文件(包括保险合约与保费收据)，提供予银行。

　　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若客户未能使保险合约生效或维持其效力或未能出示保险合约予银行或若银行认为客户投保不足或不适当者，则银行得依据其认定适当之金额与方式投保。银行有权就投保所支出之任何款项，自客户账户中扣除。

　　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客户就向银行所提供担保之不动产或资产，需于申请任何授信前，提供一份完整之鉴价报告;且于其后每三年提供一份简式之鉴价报告。所有鉴价费用均由客户支付。

　　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.责任上限 Limitation on Liability

　　20.1银行不就其作为或不作为，而对客户负担任何法律责任，但若系导因于银行之重大过

　　失或故意行为所导致者，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尽管客户可能另为指示，银行就相关法令、规则或银行与其它金融机构业务往来所签

　　署之合约，所采取之行动导致客户承受之任何损失或损害者，概不负责。

　　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所有交易均由客户于自行判断及自行承担风险之情况下进行。就客户依银行建议，采

　　取行动所承受之任何损失，银行不负担任何责任，不论此等建议是否依客户要求所提供。

　　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.合伙组织 Partnership

　　21.1若客户为一合伙组织，则因任何原因而解散时，则于银行接获客户所发出载明解散事实之书面通知前，并不影响客户身为合伙人所应负担之责任，但客户于银行接获前述通知前已完成之交易，仍应负责。

　　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任一合伙人死亡时，以其遗产偿付对银行之责任及于银行接获死亡事实书面通知前所

　　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. 持续有效协议、舍弃与补救措施 Continuing Agreement, Waivers and Remedies

　　22.1 本约定书为一持续有效契约，契约及其所规范之权利、权力与请求赔偿之权利将适用

　　于客户对银行所应负担之所有义务，不论是否有影响客户受本约定书约束之情事发生。

　　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 银行依本约定书所享有之权利： The rights of the Bank hereunder:

　　(a) 得于必要时行使之; may be exercised as often as necessary;

　　(b) 得并予适用，且不排除依一般法律规定所得享有之权利;且

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

　　(c) 仅得以书面载明之方式予以舍弃。 may be waived only in writing and specifically.

　　22.3 延迟行使或未予行使任何权利之行为，并不构成舍弃该等权利之效力。

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

　　23. 授权 Authorisation

　　为确保客户依本约定书规定适当履行义务，客户不可撤销地授权银行担任其合法代表人(不论系以客户或其它名义为之)，并拥有完整之授权与替代权力，以履行客户依本约定书所应履行之义务或行使银行依本约定书所拥有之权利，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) 签署、执行及从事所有必要或银行认定合适之所有文件、行为与事务，以履行客户依本约定书所应履行之义务或为实现任何赋予银行之担保权利或使银行取得依本约定书所得享有之权益;

　　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) 就银行认定必要或需要时，提起求偿、采取行动或进行诉讼程序及就跟单信用状、其相关文件或担保品所生之任何争议，依银行自行判断进行解决或和解;

　　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;

　　客户应随时认可及确认银行依本条款被授权合法从事之任何行为。

　　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.转让 Assignment

　　24.1 客户不得转让或移转其于本约定书之权利或义务，客户同意银行得于书面通知客户后，就客户之债务或依本约定书得向客户求偿的全部或一部权利及银行对担保品之权益转让予任何人，且受让人后，即应享有所有权利益。银行被授权得将与客户相关之任何信息揭露予任何预定之受让人或主管机关，银行亦得将其权利转让予其它人及将与本约定书相关之任何信息提供给其专业顾问与任何实际或预定之受让人。

　　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 不论银行之名称或章程是否变动或银行是否并购任何其它公司或与其它公司合并，本约定书均应持续有效。客户同意所有与债务相关之事宜，包括任何于前述并购、合并或转让后发生者，均应受本约定书之约束。

　　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所有与本约定书相关之通知或其它往来联系数据，将于客户自负风险之前提下寄送。银行不对传送或以邮件寄送、传真或其它电子书面之通讯方式下所产生之任何不正确、中断、错误或延迟或完全失误情况负担任何责任，但若系因银行之重大过失或故意行为所致者，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所有银行发给客户之通知或其它往来联系资料，皆应以书面为之，且除另有约定外，得以信件、传真或电子邮件为之。于下列情况下，应视银行已发出通知：

　　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) 若系透过专人送达或预付邮资方式寄送，则以寄送地址系于台湾或海外分别以寄送后之二或七个营业日，视为银行已适当地发出通知;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) 若系透过传真或电子邮件之方式寄送，则于收取传真号码或电子邮件地址之报告确认通知已成功寄送后，视为银行已适当地发出通知。

　　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 客户依本约定书收取所有通知之地址、传真号码或电子邮件地址为：

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

　　(i) 附表所列资料;或 those set out in the Schedule; or

　　(ii) 客户应于至少五个营业日前，通知银行之任何其它地址或银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 发给银行之任何通知或其它往来联系资料，皆须以书面做成，并向提供相关银行服务

　　予客户之银行经理寄送，且于银行实际收取时，方视为已对银行适当发出通知。

　　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. 税捐 Tax

　　凡拟由客户付予银行之款项，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。客户应负担依本约定书所为付款或依本约定书(或其它与授信或担保品有关之文件)所为之签署、交付、登记或其它事宜，而产生之现在或未来应负担之印花税、契税、应纳之规费、登记费或类似费用，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实之副本送交银行。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 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. 还款币别 Currency of Repayment

　　如客户之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 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.