個人網路銀行

重要訊息告知

網路銀行服務約定事項 【113.01版】

Provisions for online banking services

  1. 銀行資訊
    Bank Information
    1. 銀行名稱：合作金庫商業銀行
      Bank name: Taiwan Cooperative Bank
    2. 申訴及客服專線：04-2227-3131、0800-033-175
      Customer complaint and customer service hotline: 04-2227-3131; 0800-033-175
    3. 網址：https://www.tcb-bank.com.tw
    4. 地址：臺北市松山區長安東路二段225號
      Address: No.225, Sec. 2, Chang'an E. Rd., Songshan Dist., Taipei City 105, Taiwan (R.O.C.)
    5. 傳真號碼：04-2227-9191
      Fax number: 04-2227-9191
    6. 銀行電子信箱：e_bank@tcb-bank.com.tw
  2. 約定事項之適用範圍
    Scope of applications
    本約定事項係網路銀行業務(含行動網銀)服務之一般性共同約定，除個別約定事項另有約定外，悉依本約定事項之約定。個別約定事項不得牴觸本約定事項。但個別約定事項對存戶之保護更有利者，從其約定。本約定事項如有疑義時，應為有利於存戶之解釋。
    The terms and conditions are general agreements for online banking services (including mobile banking). Unless otherwise stipulated in the individual agreement, the relevant matters shall be conducted in accordance with this Agreement. The provisions prescribed in the individual agreement shall not contradict this Agreement. However, if the provisions prescribed in the individual agreement is in favor of the depositors, the individual agreement shall prevail. If there is any uncertain interpretation in the provisions, the interpretation in favor of the depositors shall prevail.
  3. 名詞定義
    Term definitions
    1. 「網路銀行業務」：指存戶端設備經由網際網路或行動網路與貴行電腦連線，無須親赴銀行櫃台，即可直接取得貴行所提供之各項金融服務。
      "Online banking": It means that the depositor connects to the Bank’s computer systems for various financial services provided by the Bank via the Internet or mobile network.
    2. 「電子文件」：指貴行或存戶經由網路連線傳遞之文字、聲音、圖片、影像、符號或其他資料，以電子或其他以人之知覺無法直接認識之方式，所製成足以表示其用意之紀錄，而供電子處理之用者。
      "Electronic documents" shall mean the words, sounds, pictures, images, symbols or other information transmitted via the Internet by the Bank or depositor, which are the information presented in the form of electronic files for electronic processing and records.
    3. 「數位簽章」：指將電子文件以數學演算法或其他方式運算為一定長度之數位資料，以簽署人之私密金鑰對其加密，形成電子簽章，並得以公開金鑰加以驗證者。
      "Digital signature": It refers to an electronic file with digital data based on the calculation of mathematical algorithm, which is encrypted by the signer's private key to create the electronic signature, and it can be authenticated by a public key.
    4. 「憑證」：指載有簽章驗證資料，用以確認簽署人身分、資格之電子形式證明。
      "Certificate": It refers to an electronic certificate containing the signature and authenticated information for verifying the signer's identity and qualification.
    5. 「私密金鑰」：係指具有配對關係之數位資料中，由簽署人保有，用以製作數位簽章者。
      "Private Key": It is owned by the signer for generating a digital signature through digital data with the pairing relation.
    6. 「公開金鑰」：係指具有配對關係之數位資料中，對外公開，用以驗證數位簽章者。
      "Public Key": It is for the public authentication of digital signature through digital data with the pairing relation.
    7. SSL（Secure Socket Layer，安全電子資料傳輸協定）：係指資料以SSL通訊協定在網際網路傳輸，確保訊息之隱密性及訊息之完整性。
      SSL (Secure Socket Layer): It refers to the data transmission using the SSL protocol on the Internet, to ensure the confidentiality and completeness of the messages.
    8. 憑證轉帳：身分電子憑證，交易訊息格式及處理流程係由銀行依業務需求自行規劃，制定之交易訊息標準適用於付款訊息的傳送，符合訊息隱密性、完整性、來源辨識、不可重複性、接收及傳送不可否認性的要求。本行網路銀行憑證轉帳作業，採用FXML憑證，提供電子數位簽章功能，可確保交易資料之不可否認性及完整性，安全性高，機制嚴謹，憑證內容係以身分證字號或統一編號為主，每位客戶只需要申請一張FXML憑證，即可管理所有帳戶與使用本行所提供之金融服務。
      Certificate transfer: It is an electronic certificate and the format of transaction message and the process flow are planned by the Bank according to its business needs. The formulated transaction message standard is for the transmission of payment messages, which shall comply with the requirements of message confidentiality, completeness, source identification, non-repeatability, and non-repudiation for reception and transmission. The Bank's online banking certificate transfer uses FXML certificate for offering an electronic digital signature function to ensure the transaction data’s non-repudiation and completeness; its security level is high and the mechanism is robust; its certificate content is based on the ID card number or the unified business number; the customer only has to apply for one FXML certificate to manage all of his/her accounts and use the financial services provided by the Bank.
    9. 一次性動態密碼(One Time Password,OTP)安全機制：立約人於執行交易或設定服務使用OTP機制時，系統將自動發送一組簡訊OTP密碼至立約人所設定的手機門號；或以推播方式發送至立約人已完成授權認證綁定之行動裝置；為確保網路交易安全，每次傳送OTP密碼皆為亂數產生，且僅限當筆交易有效之安全交易機制。
      One Time Password (OTP) security mechanism: When the transaction is conducted using the OTP mechanism to execute or set up services, the system will automatically send a set of text message/push notification OTP password to the contractor’s mobile phone designated by the contractor to ensure the safety of the transaction. The transmitted OTP password will be regenerated each time, and it is limited to the use of current transactions only.
    10. 裝置認證密碼：立約人透過本行臨櫃\網路銀行\行動網銀取得，並於行動裝置經授權認證成功後，即可完成裝置綁定作業，本服務至多綁定1組裝置，另須搭配本行網路交易安全認證機制(如憑證、SSL或OTP)，始得進行轉帳或設定服務。
      Device authentication password: The password can be obtained through the Bank's counter, online banking, and mobile banking. After the mobile device is authorized and authenticated, the device is paired to the operating service. The service operation can paired with 1 devices at most, and it must work under the Bank's security authentication mechanism of online transactions (such as certificate, SSL or OTP) to conduct a transfer or set up services.
    11. 管理中心：立約人可向銀行申請管理中心用以設定內部使用者之權限及交易簽核流程等功能。管理中心之使用者，立約人得僅申請由管理主管完成各項管理中心設定，或申請經由管理經辦編輯，送呈管理主管核定。
      Management center: The depositor can apply for a management center to the Bank for setting the authority of the internal users and the transaction registration process. As for the users of the management center, the depositor can only apply for the services set up by the manager of the management center or submit the application to the manager through the management office for verification.
  4. 網頁之確認
    Confirmation of webpage address
    存戶使用網路銀行前，請先確認網路銀行正確之網址(https://cobank.tcb-bank.com.tw/)，才使用網路銀行服務；如有疑問，存戶應洽詢貴行客服專線。
    Please confirm the website address for online banking before using the online banking service (https://cobank.tcb-bank.com.tw/); for any doubts, the depositors should contact the customer service hotline.
    貴行應以一般民眾得認知之方式，告知存戶網路銀行應用環境之風險。
    The Bank should inform the depositors about the risks of the online banking application in a way that the general public can understand.
    貴行應盡善良管理人之注意義務，隨時維護網站的正確性與安全性，並隨時注意有無偽造之網頁，以避免存戶之權益受損。
    The Bank should maintain the correctness and security on the website through the exercise of reasonable care of a good administrator, and always be aware of whether or not there is a phishing website to ensure the rights of the depositors.
  5. 服務項目
    Service content
    貴行應於本約定事項載明提供之服務項目，如於網路銀行網站呈現相關訊息者，並應確保該訊息之正確性，其對存戶所負之義務不得低於網站之內容。
    The Bank shall stipulate the services content in this Agreement and make sure of the correctness of relevant information provided on the online banking website; the obligations to depositors in this Agreement shall not be less than the content posted on the website.
  6. 連線所使用之網路
    The network for online connection
    存戶與貴行同意使用網路進行電子文件傳送及接收。雙方應分別就各項權利義務關係與各該網路業者簽訂網路服務約定事項，並各自負擔網路使用之費用。
    The depositors and the Bank agree to use the Internet for the transfer and reception of electronic files. The two parties shall sign the network service agreement with their network service operators for the rights and obligations, and they shall be responsible for the expenses of their network services.
  7. 電子文件之接收與回應
    Reception and response of electronic documents
    貴行接收含數位簽章或經貴行及存戶同意用以辨識身分之電子文件後，除查詢之事項外，貴行應提供該交易電子文件中重要資訊之網頁供存戶再次確認後，即時進行檢核及處理，並將檢核及處理結果，以雙方約定之方式通知存戶。貴行或存戶接收來自對方任何電子文件，若無法辨識其身分或內容時，視為自始未傳送。但貴行可確定存戶身分時，應立即將內容無法辨識之事實，以雙方約定之方式通知存戶。
    After receiving the electronic files containing the digital signatures or the electronic documents agreed upon by the depositors and the Bank, the Bank shall provide the webpage address for the important information in the electronic documents for the depositors for re-confirmation before processing; the Bank shall notify the depositors about the processing results with a previously agreed method by both parties. If the Bank or depositors receive any electronic file from the other party that is unable to identify the sender’s identity or the content, the electronic file will be deemed to have not been transmitted. However, if the Bank can determine the identity of the depositor, the Bank should immediately notify the depositor of the content that cannot be recognized with a previously agreed upon method by both parties.
  8. 電子文件之不執行
    Not processing the electronic documents
    如有下列情形之一，貴行得不執行任何接收之電子文件：
    The Bank may not process any electronic documents received for any of the following circumstances:
    1. 有具體理由懷疑電子文件之真實性或所指定事項之正確性者。
      It is suspicious with specific reasons for the truthfulness of the electronic document or the correctness of the specified matter.
    2. 貴行依據電子文件處理，將違反相關法令之規定者。
      If the Bank will violate the provisions of relevant laws and regulations if the Bank processes the electronic documents.
    3. 貴行因存戶之原因而無法於帳戶扣取存戶所應支付之費用者。
      The Bank is unable to deduct the payable fees from the depositor’s account due to reasons attributable to the depositor.
    貴行不執行前項電子文件者，應同時將不執行之理由及情形，以雙方約定之方式通知存戶，存戶受通知後得以電話或雙方約定方式向貴行確認。
    If the Bank decides not process the electronic documents in the preceding paragraph, the Bank should notify the depositor about the reason for not processing the electronic documents with a previously agreed upon method by both parties, and the depositor can confirm with the Bank by telephone or with a previously agreed upon method by both parties upon receiving the notice.
  9. 電子文件交換作業時限
    Time limit for electronic document exchange operations
    電子文件係由貴行電腦自動處理，存戶發出電子文件，經存戶依第七條貴行提供之再確認機制確定其內容正確性後，傳送至貴行 後即不得撤回。但未到期之預約交易在貴行規定之期限內，得撤回、修改。若電子文件經由網路傳送至貴行後，於貴行電腦自動 處理中已逾貴行營業時間時（營業時間：為星期一至星期五（例假日除外）上午九時至下午三時三十分），貴行應即以電子文件 通知存戶，該筆交易將改於次一營業日處理或依其他約定方式處理。
    The electronic documents are automatically processed by the Bank’s computer system. The depositor sends an electronic file to the Bank upon verifying the correctness of the content according to the re-confirmation mechanism prescribed in article 7, and the file cannot be retrieved after being sent to the Bank. However, an unexpired preserved transaction may be retrieved or modified within the time limit set by the Bank. If the electronic file has been sent to the Bank after the Bank’s business hours according to the time of the Bank’s computer system (business hours: 9:00 am to 3:30 pm; Monday to Friday (except for holidays)). The depositor should be notified by the Bank that the electronic documents will be processed on the next business day or it shall be handled according to the prescribed provisions.
  10. 網路轉帳(含行動網銀轉帳)服務帳務劃分點、限制、交易限額及未補登摺次數
    Online transfer’s (including mobile online transfer) accounting cutoff time, restrictions, transaction limits and number of un-updated transactions in the passbook
    1. 同幣別外匯存款轉帳，營業時間限為星期一至星期五（例假日除外）上午九時至下午三時三十分。臺外幣存款轉帳及不同幣別外匯存款轉帳，營業時間限為星期一至星期五（例假日除外）上午九時十分至下午三時三十分，透過網路銀行進行基金下單之服務時間，依網頁公告及貴行特定金錢信託投資國內外有價證券信託約定事項相關規定辦理。
      The transfer of foreign currency deposits in the same currency: business hours are from 9:00 am to 3:30 pm, Monday to Friday (not including holidays). The transfer of NTD and foreign currency deposits, and the transfer of foreign currency deposits in different currencies: business hours are from 9:10 am to 3:30 pm, Monday to Friday (not including holidays). The service time for fund ordering via online banking is based on the announcement on the website and the “Provisions for Non-Discretionary Money Trust Investments in Domestic and Foreign Securities” prescribed by the Bank.
    2. 轉帳交易是否係逾時交易，以貴行系統接獲檔案資料之時間為準，存戶利用網路轉帳交易將款項轉入支票存款帳戶，應於帳務劃分點前完成轉入手續並經查詢確定，如因轉帳程序，未能完成而遭致退票，除能證明貴行有可歸責之過失外，應由存戶負責。
      The transfer time of the transaction is based on the systematic time of the Bank when the system receives the file. When the depositor uses the online transfer to transfer the money to a checking deposit account, he/she should verify whether or not the transaction is completed before the accounting cutoff time. If the fund was bounced due to the incomplete transfer, the depositor should be fully responsible for the loss unless the depositor has proof that it was due to causes attributable to the Bank.
    3. 存戶同意貴行於服務時間後，所接受之付款指示訊息或入帳訊息，得於次營業日入帳，惟轉入其他金融機構者，依其規定。
      The depositor agrees that the payment or credit transaction conducted after the service time will be processed on the next business day; however, the money transfers to other financial institutions shall be based on its regulations.
    4. 使用本項系統辦理轉帳之金額不得超逾本存戶轉出帳戶轉帳當時之可用餘額，若轉出帳戶為支票存款或綜合存款帳戶，且 存款餘額不足支付時，授權貴行得在本存戶支票存款透支額度或綜合存款項下之定期（儲蓄）存款金額範圍內質借陸續支 用，其超過存款餘額之轉出金額即為向貴行之借款，不另立借據。每次最高轉帳金額及每日累計最高轉帳金額之限制暨透 支或質借計息方式，均依貴行相關規定辦理。
      The transfer amount for the account using this service system shall not exceed the available balance of the account at the time when the transaction is made. If the Bank balance is insufficient for the depositor’s withdrawal or payment from a deposit checking account or a composite deposit account, the Bank is authorized and may advance the insufficient sums within the coverage of the pledge guarantee in the time deposit (savings) account. These advances are deemed as the depositor’s debit which is owed to the Bank even though a loan contract is not issued. The principal and interest of the time deposit are fully pledged to the Bank as collaterals. The maximum amount of transfer, the limit of accumulated daily deposit amount, and the interest of overdraft and pledge shall be conducted in accordance with the relevant regulations of the Bank.
    5. 存戶利用網路銀行辦理轉帳轉出交易限額：(單位：新臺幣萬元，已標示幣別者依標示幣別)
      The depositor’s transfer limit for the transaction via online banking: (Unit: 10,000 in NTD, or according to the indicated currency)
      個人網路銀行：
      Personal Internet Banking
      每日限額 SSL轉帳 憑證轉帳（使用載具憑證）
      當日總限額
      SSL+憑證轉帳
      約定
      （與行動網銀約定併計）       		當日總限額 約定 非約定 當日總限額
      單筆 單日累積 單筆 單日累積 單筆 單日累積
      自行同ID轉帳（含外幣間） 200 200 200
      (SSL自行同ID約定轉帳不計入)       		不限 不限 200 500 1,000
      (憑證自行同ID約定轉帳不計入)       		1,000
      (SSL及憑證自行同ID約定轉帳不計入)
      自行不同ID轉帳（含外幣間）及臺幣跨行轉帳 200 200 200 1,000 200
      臺幣轉外幣（限本人） 50
      (不含50)       		50
      (不含50)       		USD50萬
      （不含50萬）       		USD50萬
      （不含50萬）       		USD50萬
      （不含50萬）       		USD50萬
      （不含50萬）
      外幣轉臺幣（限本人） 50
      (不含50)       		50
      (不含50)       		USD50萬
      （不含50萬）       		USD50萬
      （不含50萬）       		USD50萬
      （不含50萬）       		USD50萬
      （不含50萬）
      外幣匯出匯款（含本行DBU與OBU間匯款） 200 200 200 1,000 1,000 200 500 1,000 1,000
      每日限額 單筆 累積最高限額
      單日 單月 說明
      OTP非約定轉帳 5 10 20 額度依個別約定轉出帳號累計
      Daily limit SSL Transfer Certificate Transfer (Using certificate of a carrier)
      Daily limit
      SSL + certificate transfer
      Designated
      (Combined with mobile online banking)       		Daily limit Designated Non-designated Daily limit
      Single transaction Daily accumulation Single transaction Daily accumulation Single transaction Daily accumulation
      Transfer under the same ID in the Bank (including foreign currency) 200 200 200
      (SSL transfer under the same ID, not including the designated account)       		No limit No limit 200 500 1,000
      (Certificate transfer under the same ID, not including the designated account)       		1,000
      (SSL and certificate transfer under the same ID, not including the designated account)
      Transfer under different ID in the Bank (including foreign currency) and NTD interbank transfer 200 200 200 1,000 200
      NTD transfer to foreign currency (limited to the same person) 50
      (excluding 50)       		50
      (excluding 50)       		USD 500,000
      (excluding 500,000)       		USD 500,000
      (excluding 500,000)       		USD 500,000
      (excluding 500,000)       		USD 500,000
      (excluding 500,000)
      Foreign currency transfer to NTD (limited to the same person) 50
      (excluding 50)       		50
      (excluding 50)       		USD 500,000
      (excluding 500,000)       		USD 500,000 (excluding 500,000) USD 500,000
      (excluding 500,000)       		USD 500,000
      (excluding 500,000)
      Foreign currency remittance (including the remittance between the Bank's DBU and OBU) 200 200 200 1,000 1,000 200 500 1,000 1,000
      Daily limit Single transaction Maximum of accumulation
      Daily accumulation Monthly accumulation Description
      OTP Transfer (Non-designated) 5 10 20 Daily accumulation is depend on designated transfer account.
      企業網路銀行：
      Corporate Internet Banking
      每日限額 使用載具憑證 當日總限額
      約定 非約定
      單筆 單日累積 單筆 單日累積
      自行同ID轉帳 不限 不限 不限 不限 不限
      自行不同ID
      及臺幣跨行轉帳       		5,000 5,000 10 10 5,000
      外幣匯出匯款
      （含本行DBU與OBU間匯款）       		5,000 5,000 10 10 5,000
      使用SSL密碼
      每日限額 單筆 單日累積
      約定帳戶轉帳 200 200
      Daily limit Use certificate of a carrier Daily limit
      Designated Non-designated
      Single transaction Daily accumulation Single transaction Daily accumulation
      Transfer under the same ID in the Bank No limit No limit No limit No limit No limit
      Transfer under different ID in the Bank and NTD interbank transfer 5,000 5,000 10 10 5,000
      Foreign currency remittance (including the remittance between the Bank's DBU and OBU) 5,000 5,000 10 10 5,000
      SSL Transfer
      Daily limit Single transaction Daily accumulation
      Designated account transfer 200 200
      行動網銀：
      Mobile Banking
      每日限額 單筆 累積最高限額
      單日 單月 說明
      約定帳戶轉帳 200 200 與個人網路銀行SSL約定轉帳併計
      非約定帳戶轉帳 5 10 20* 與個人網路銀行OTP之非約定轉帳併計
      ＊憑證非約定帳戶轉帳不計入單月累計限額
      繳費稅 200 200 與個人網路銀行之繳費稅併計
      消費扣款 5 10 20 每日限額與ATM存款及ATM、eATM非約定帳戶轉帳、消費扣款及跨境匯出(跨境購物消費)併計
      跨境匯出 10 30
      Daily limit Single transaction Maximum of accumulation
      Daily Monthly Description
      Designated account transfer 200 200 Combined with the SSL designated account transfer of Personal Internet Banking
      Non-designated account transfer 5 10 20* Combined with the OTP non-designated account transfer of Personal Internet Banking
      * Certificate non-designated account transfer is not included in the monthly cumulative limit
      Taxes and expenses payments 200 200 Combined with the taxes and expenses payments of Personal Internet Banking
      Expense debit 5 10 20 The daily limit is combined with ATM deposit and non-designated account transfer of ATM and eATM and overseas remittance (Outbound)
      Overseas remittance 10 30
      • 有關個人網路銀行(含行動網銀)交易限額，貴行如有調整，存戶不另行簽署約定書，以貴行網站公告為準；SSL轉帳-自行同ID轉帳(含外幣間)單筆及單日累積限額得透過個人網路銀行調高為等值新臺幣500萬元或調降為等值新臺幣200萬元。
        Any amendments regarding the transaction limit of personal online banking (including mobile banking) shall be based on the announcement of the Bank’s website and the depositor does not have to sign an agreement; SSL transfer – transfer under the same ID in the Bank (including foreign currency), the single transaction and daily cumulative limit can be raised to the equivalent of NTD5 million or reduced to the equivalent value of NTD2 million through personal online banking.
      • 有關企業網路銀行交易限額，申請人如因業務需要，並經審慎評估安全後，得向貴行申請調整（請另填「企業網路銀行轉帳限額調整申請書」）。
        If necessary, the applicant can apply to the Bank for adjustment of the corporate online banking transaction limit upon safety evaluation (please fill out the “Corporate Internet Banking Transfer Limit Application Form”).
      • 個人網路銀行繳費稅額度，每日單筆等值新臺幣200萬、每日累積等值新臺幣200萬元(併計於當日總限額SSL+憑證轉帳+OTP轉帳-自行同ID、自行不同ID及臺幣跨行轉帳)；企業網路銀行繳費稅額度，單筆及每日累積併計於非約定-自行不同ID 及臺幣跨行轉帳額度。
        Personal online banking tax payment limit, the daily single transaction is NTD2 million or equivalent, daily accumulated amount is NTD2 million or equivalent (combined with the daily limit of SSL + certificate transfer + OTP transfer – transfer under the same ID in the Bank, transfer under different ID in the Bank, and NTD interbank transfer); corporate online banking expenses and taxes payment limit, single transaction and daily accumulated amount is combined with the amount of non-designated account transfer under different ID in the Bank and the NTD interbank transfer.
      • 線上申請約定轉入帳號，其交易額度限定為每日單筆等值新臺幣5萬、每日累積等值新臺幣10萬元、每月累積不超過等值新臺幣20萬元。
        For online application for transferring to a designated account, the daily single transaction limit is NTD50,000 or equivalent, the daily accumulated amount is NTD100,000 or equivalent, and monthly accumulated amount is NTD200,000 or equivalent.
      • 企業網路銀行之臺幣轉外幣及外幣轉臺幣每日限額除依「自行同ID轉帳」約定限額外，另每日最高限額：公司、行號等值100萬美元；團體及個人等值50萬美元（網路與臨櫃交易併計；臺幣轉外幣與外幣轉臺幣分別累計）。
        In addition to the limit of transfer under “the same ID in the Bank”, the daily limit of transferring NTD to foreign currency and foreign currency to NTD for corporate online banking is capped at: 1 million USD or equivalent for companies and business vendors; 500,000 USD or equivalent for groups and individuals (including the transactions done via Internet and at the counter; the amount of transferring NTD to foreign currency and foreign currency to NTD will be calculated separately).
      • 外幣綜活存轉綜定存之交易金額不限制。
        There is no restriction on the transaction amount of foreign currency composite demand deposit transferring to composite time deposit.
      • 匯往大陸地區外幣匯出匯款，每筆交易限額：公司、行號等值100萬美元；團體及個人等值50萬美元。
        The single transaction limit for remittances of foreign currencies to the mainland China: 1 million USD or equivalent for companies and business vendors; 500,000 USD or equivalent for groups and individuals.
      • 網路基金下單之交易限額以貴行公告或網頁說明為準，不適用網路銀行轉帳交易限額規定。
        The transaction limit for online fund orders is based on the announcement of the Bank or the description on its website and the online banking transfer limit is not applicable.
    6. SSL、憑證及OTP轉帳無未補登存摺次數限制。
      There is no restriction on the number of un-updated transactions in passbooks for SSL, certificate and OTP transfer.
  11. 費用
    Fees
    存戶自使用本約定服務之日起，願依約定收費標準繳納服務費、手續費及郵電費，並授權貴行自存戶之帳戶內自動扣繳；如未記載者，貴行不得收取。
    Upon the service date subscribed in the Agreement, the depositor agrees to pay the service fee, handling fee, postage and telecommunications charges according to the standards of service charges, and authorizes the Bank to automatically debit from the account of the depositor; for any fees that are not specified in the standard of service charges, the Bank may not collect it.
    網路銀行及行動網銀交易之費用金額如下：
    The fees for online banking and mobile online banking transactions are as follows:
    1. 個人銀行跨行轉帳：每筆為新臺幣（以下同）15元。
      Interbank transfer of personal banking: Each transaction is NTD15.
    2. 企業銀行跨行轉帳：200萬元(含)以下每筆為15元，200萬元以上，每增加100萬元加收10元，不足100萬元以100萬元計。 使用國內臺幣跨行匯款手續費：200萬(含)以下每筆為30元，每增加100萬元加收10元，不足100萬元以100萬元計。
      Interbank transfer of corporate banking: Each transaction is NTD15 for transfer amounts of NTD2 million (inclusive) or less; an additional transaction fee of NTD10 will be added for every additional transfer amount of NTD1 million (less than NTD1 million, the fee will be calculated as NTD1 million). NTD domestic interbank remittance fee: Each transaction is NTD30 for transfer amount of NTD2 million (inclusive) or less; an additional transaction fee of NTD10 will be added for every additional transfer amount of NTD1 million less than NTD1 million, the fee will be calculated as NTD1 million.
    3. 傳真服務：即時交易每筆3元，預約交易每筆5元。
      Fax service: NTD3 for each instant transaction and NTD5 for each reserved transaction.
    4. 行動網銀跨行轉帳：每筆為15元。
      Mobile online banking interbank transfer: NTD15 per transaction.
    5. 個人/企業銀行外幣匯款：
      Foreign currency remittance for personal/corporate banking:
      匯款種類 費用別 一般用戶 OBU國際金融業務分行用戶
      一般匯出款
      （每筆匯出款費用為右列手續費、郵電費及全額匯出費用之合計數）       		手續費 依匯款金額0.025%計收，最低NTD130，最高NTD600。 依匯款金額0.025%計收，最低USD10，最高USD40。
      郵電費 依該筆匯款指示拍發電報筆數計收，一通電報NTD220，二通電報NTD440。 依該筆匯款指示拍發電報筆數計收，一通電報USD10，二通電報USD20。
      全額匯出費用 如網頁端選擇全額匯出者，每筆依匯款幣別另加收費用如下：
      USD：每筆USD20 HKD：每筆HKD250 NZD：每筆NZD30
      GBP：依匯款金額0.1%計收，最低GBP35
      EUR：依匯款金額0.1%計收，最低EUR40
      JPY：依匯款金額0.05%計收，最低JPY5,000
      其他幣別案件，每筆USD30
      匯出款改匯或退匯
      （網銀交易已完成，另臨櫃申請匯款資料修改或退匯者方需支付本費用）       		手續費 每筆NTD300 每筆USD10
      一般匯入款 手續費 依匯款金額0.025%計收，最低NTD130，最高NTD600。 依匯款金額0.025%計收，最低USD10，最高USD40。
      Remittance type Fees General Users OBU Offshore Banking Unit Users
      General remittance (The cost for each remittance is the total amount of service charge, postage and telecommunications charges, and fee for full remittance) Handling fee 0.025% of the remittance amount with a minimum charge of NTD130 and a maximum charge of NTD600 0.025% of the remittance amount with a minimum charge of USD10 and a maximum charge of USD $40.
      Postage and telecommunications charges The number of telegram required is based on the remittance; NTD220 for one telegram and NTD440 for two telegrams The number of telegram required is based on the remittance; US $10 for one telegram and USD20 for two telegrams.
      Fee for full remittance If the full remittance is chosen online, additional service charges for the remittance based on different currencies are as follows:
      USD: USD20 per transaction
      HKD: HKD 250 per transaction
      NZD: NZD30 per transaction
      GBP: 0.1% of the remittance amount with a minimum charge of GBP 35
      EUR: 0.1% of the remittance amount with a minimum charge of EUR40
      JPY: 0.05% of the remittance amount with a minimum charge of JPY 5,000
      The others:US$30 per transaction
      Amendment or cancellation of remittance (handling fee is only applicable to: online banking transaction has been completed, but apply for amendment or cancellation of the remittance at the counter) Handling fee NTD300 for each transaction USD10 for each transaction
      General remittance Service charges 0.025% of the remittance amount with a minimum charge of NTD130 and a maximum charge of NTD600. 0.025% of the remittance amount with a minimum charge of NTD10and a maximum charge of NTD40.
    6. 企業銀行開發進口信用狀/進口託收：
      業務種類 費用別 一般用戶
      開發進口信用狀 手續費 有效期間每三個月為一期，第一期收0.25%，第二期以後每期加收0.125%，不足三個月以一期計。
      即按開狀金額x[0.25%+(0.125%+0.125%+...)]x賣匯匯率計收，最低金額NTD400。
      電報費 臺港澳NTD800，臺港澳以外地區NTD1,000
      修改進口信用狀 手續費
      1. 修改內容：每筆NTD300
      2. 增加金額：就增加金額依開發信用狀標準計收，最低金額NTD400
      3. 展延信用狀：就開狀次期起算至新到期日止，每三個月為一期，每期0.125%即按修改信用狀餘額x0.125%x賣匯匯率計收，最低金額NTD300
      4. 展延並同時增加金額者，手續費應分別計算後合併計收，最低金額NTD400
      電報費
      1. 臺港澳NTD300
      2. 臺港澳以外地區NTD350
      進口託收 手續費
      1. 付款交單（D/P）：託收金額x0.15%x賣匯匯率，最低金額NTD200
      2. 付款交單（D/A）：託收金額x0.2%x賣匯匯率，最低金額NTD200
      郵電費 一律NTD450
      Service items Standards for Charges Remarks
      Foreign L/C issuance Handling Charge Amount x〔0.25%+(0.125%+0.125%+...)〕x Ex rate. minimun TWD400
      First period 0.2500%. Second period 0.1250%. Minimun TWD 400
      Cable Charge Taiwan.Hong Kong.Macau TWD800; Other Area TWD1,000
      Foreign L/C amendment Handling Charge
      1. The rate of content: Each TWD 300.
      2. Amount of increase rate: First period 0.2500% Second period 0.1250% Minimun TWD 400.
      3. The rate of extension: Each period 0.1250% Minimun TWD 300.
      4. The rate of extension and Amount of increase rate: Minimun TWD 400.
      Cable Charge Taiwan.Hong Kong.Macau TWD300; Other Area TWD350
      Import Collection Handling Charge
      1. (D/P)：Amount x 0.15% x Ex rate, Minimun TWD200
      2. (D/A)：Amount x 0.2% x Ex rate, Minimun TWD200
      Cable Charge TWD450
      前項收費標準於訂約後如有調整者，貴行應於貴行網站之明顯處公告其內容，並以雙方約定之方式使存戶得知（以下稱通知）調整之內容。
      Any amendment to the charging standard listed in the preceding paragraph, the Bank will make the announcement on Bank's website and notify the depositor about the amendment (hereinafter referred to as the notification) with a previously agreed upon method by both parties.
      第三項之調整如係調高者，貴行應於網頁上提供存戶表達是否同意費用調高之選項。存戶未於調整生效日前表示同意者，貴行將於調整生效日起暫停存戶使用網路銀行一部或全部之服務。存戶於調整生效日後，同意費用調整者，貴行應立即恢復網路銀行契約相關服務。
      If the amendment to paragraph 3 is an increased fee, the Bank should offer the depositor with options for the agreement to the increased fee. If the depositor does not agree to the amendment before the effective date of the amendment, the Bank will suspend the depositor from using partial or all online banking services from the effective date of the amendment. After the depositor has agreed to the amendment, the Bank shall immediately resume the related online banking services.
      前項貴行之公告及通知應於調整生效六十日前為之，且調整生效日不得早於公告及通知後次一年度之起日。
      The announcements and notifications in the preceding paragraph shall be made at least 60 days prior to the effective date of the amendment and the effective date of the amendment shall not be earlier than the initial date of the following year, after the announcement and notification.
  12. 存戶軟硬體安裝與風險
    The installation and risks of software and hardware
    存戶申請使用本約定事項之服務項目，應自行安裝所需之電腦軟體、硬體，以及其他與安全相關之設備。安裝所需之費用及風險，由存戶自行負擔。
    When applying for the services of this Agreement, the depositors shall install the required computer software, hardware and other security-related devices. The costs and risks of the installation will be borne by the depositors.
    第一項軟硬體設備及相關文件如係由貴行所提供，貴行僅同意存戶於約定服務之範圍內使用，不得將之轉讓、轉借或以任何方式交付第三人。貴行並應於網站及所提供軟硬體之包裝上載明進行本服務之最低軟硬體需求，且負擔所提供軟硬體之風險。
    If the software and hardware equipment mentioned in the first paragraph and related documents are provided by the Bank, the Bank only agrees that the depositor can use them within the scope of the agreed services and they may not transfer, lend or deliver to a third party in any way. The Bank shall also indicate the minimum software and hardware requirements for the service on its website and on the package of the supplied hardware and software, and be responsible for the risk of the provided hardware and software.
    存戶於約定事項終止時，如貴行要求返還前項之相關設備，應以約定事項特別約定者為限。
    If the Bank requests the depositor to return the relevant provided equipment in the preceding paragraph due to termination of the provision, it shall be limited to those with special agreements.
  13. 存戶連線與責任
    Depositor's connection and responsibility
    貴行與存戶有特別約定者，必須為必要之測試後，始得連線。
    If the Bank and the depositor have a special agreement, a necessary test is required prior to the connection.
    存戶對貴行所提供之授權使用者代號、密碼、憑證申請密碼、裝置認證密碼及其它足以識別身分之工具，應負保管之責。
    The depositor shall be responsible for the authorized user code, password, password for application of certificate, device authentication password and other tools for identity authentication provided by the Bank.
    存戶輸入前項密碼連續錯誤達規定次數（註１）或未於登入密碼有效期限（註2）內登入網路銀行或行動網銀時，貴行電腦即自動停止存戶使用本約定事項之服務。存戶如擬恢復使用，應依約定辦理相關手續。
    When the depositor continuously inputs the incorrect password more than the specified number of times (Note 1) or fails to log into the online banking or mobile online banking service within the specified validity period (Note 2), the Bank will automatically terminate the service for the depositor. If the depositor intends to resume the service, he/she shall follow the relevant procedures in accordance with the provisions.
    1. 登入密碼及裝置認證密碼連續錯誤達規定五次、SSL/憑證保護密碼及FXML憑證申請密碼連續錯誤達規定三次，或 OTP 密碼輸入錯誤連續達五次時，或憑證載具密碼連續錯誤達規定十次，電腦即自動停止存戶使用本約定事項之服務。
    2. 登入密碼有效期限為自申請日起1個月，逾期未登入網路銀行/行動網銀，或裝置認證密碼逾48小時未進行裝置綁定作業，電腦即自動停止存戶使用本約定事項之服務。
    1. For any of the following, computer system will automatically terminate the service for the depositor: the depositor continuously inputs the incorrect login password or the device authentication password for five times; continuously inputs the incorrect SSL/certificate protection password or the FXML certificate application password for three times; inputs the incorrect OTP password for five consecutive times; continuously input the incorrect password for a certificate carrier for ten times.
    2. The login password is valid for one month from the date of application. If the depositor does not login to the online banking/mobile banking service, or the device authentication password has not been paired with the device for more than 48 hours, the computer system will automatically terminate the service for the depositor.
  14. 交易核對
    Transaction verification
    貴行於每筆交易指示處理完畢後，以電子文件或雙方約定之方式通知存戶，存戶應核對其結果有無錯誤。如有不符，應於使用完成之日起四十五日內，以電話或雙方約定之方式通知貴行查明。
    After processing the transaction, the Bank will notify the depositor by electronic file or with a previously agreed method by both parties. The depositor should verify whether the result is correct, if not, the depositor should notify the Bank to find out by phone or with a previously agreed method by both parties, within forty-five days from the date of completion of the transaction.
    貴行應於每月對存戶以雙方約定方式寄送上月之交易對帳單（該月無交易時不寄）。存戶核對後如認為交易對帳單所載事項有錯誤時，應於收受之日起四十五日內，以電話或雙方約定之方式通知貴行查明。
    The Bank shall send the transaction statement of the previous month to the depositor on a monthly basis (no transaction statement will be sent if there is no transaction in the previous month). If the depositor believes that there is an error in the transaction statement, he/she shall notify the Bank by telephone or with a previously agreed upon method by both parties, within 45 days from the date of statement acceptance.
    貴行對於存戶之通知，應即進行調查，並於通知到達貴行之日起三十日內，將調查之情形或結果以書面方式覆知存戶。
    The Bank shall review and investigate the depositor's notice and shall notify the depositor in writing of the investigation status or results within 30 days upon the date of the notice.
  15. 電子文件錯誤之處理
    Handling of errors in electronic file
    存戶利用本約定事項之服務，其電子文件如因不可歸責於存戶之事由而發生錯誤時，貴行應協助存戶更正，並提供其他必要之協助。前項服務因可歸責於貴行之事由而發生錯誤時，貴行應於知悉時，立即更正，並同時以電子文件或雙方約定之方式通知存戶。
    When using the services of this agreement, if the depositor’s electronic document is incorrect due to the fact not attribute to the depositor, the Bank shall assist the depositor to correct the document and provide any necessary assistance. If the aforementioned service error is due to causes attributable to the Bank, the Bank shall immediately correct it and notify the depositor by electronic file or with a previously agreed upon method by both parties.
    存戶利用本約定事項之服務，其電子文件因可歸責於存戶之事由而發生錯誤時，倘屬存戶申請或操作轉入之金融機構代號、存款帳號或金額錯誤，致轉入他人帳戶或誤轉金額時，一經存戶通知貴行，貴行應即辦理以下事項：
    When using the services of this agreement, if the depositor’s electronic document is incorrect as attribute to the depositor and if the money is transferred to a wrong account or the transfer amount is incorrect due to the depositor’s transfer error such as incorrect input for the financial institution code, deposit account number or transfer amount, the Bank shall conduct the following matters upon notification by the depositor.
    1. 依據相關法令提供該筆交易之明細及相關資料。
      Provide details of the transaction and related information in accordance with relevant laws and regulations.
    2. 通知轉入行協助處理。
      Notify the transfer corresponding bank for assistance.
    3. 回報處理情形。
      Report the status of progress.
  16. 電子文件之合法授權與責任
    Legal authorization and responsibility for electronic files
    存戶與貴行應確保所傳送至對方之電子文件均經合法授權。
    Both the depositors and the Bank should make sure that the electronic file transmitted to the other party is legally authorized.
    存戶與貴行於發現有第三人冒用或盜用授權使用者代號、密碼、憑證、憑證申請密碼、私密金鑰，或其他任何未經合法授權之情形，應立即以電話或書面或雙方約定方式通知他方停止使用該服務並採取防範之措施。
    For any found fraudulent use of the authorized user’s code, password, certificate, password for application of certificate, private key, or any other unauthorized authorization by a third party, the depositor and the Bank shall immediately notify the other party to stop using the service and take response measures as soon as possible by telephone or in writing or with a previously agreed upon method by both parties.
    貴行接受前項通知前，對第三人使用該服務已發生之效力，由貴行負責。但有下列任一情形者，不在此限：
    If the use of the service by a third party already took effect before the Bank was notified according to the preceding paragraph, the Bank shall be responsible for the incident. However, this is not limited to any of the following circumstances:
    1. 貴行能證明存戶有故意或過失。
      The Bank can prove that the depositor acted intentionally or was negligent.
    2. 貴行依雙方約定方式通知交易核對資料或帳單後超過四十五日。惟存戶有特殊事由（如長途旅行、住院等）致無法通知者， 以該特殊事由結束日起算四十五日，但貴行有故意或過失者，不在此限。
      It has been over 45 days since the Bank notified the depositor about the verification of transaction information or statement with a previously agreed upon method by both parties. However, if the depositor has a special reason (such as long-distance travel, hospitalization, etc.) that cannot be notified, the period is 45 days from the end date of the special reason, but this is not limited to the Bank’s intentional action or due to a fact attributable to the Bank.
      3. 針對第二項冒用、盜用事實調查所生之鑑識費用由貴行負擔。
      The forensic expenses from the investigation of fraudulent use in the second paragraph shall be borne by the Bank.
      第三項及第四項之約定，企業網銀用戶不適用之。
      The provisions in the third and fourth paragraph are not applicable to corporate online banking.
      貴行於接受企業網銀用戶第二項通知前，對第三人使用該服務已發生之效力，不負責任。但貴行因故意或重大過失而不知係未經 合法授權之電子文件者，不在此限。
      If the use of the service by a third party already took effect before the Bank was notified by the corporate online banking user according to the second paragraph, the Bank shall not be responsible for the incident. However, this is not limited to the Bank’s intentional action or the Bank has major negligence when using an electronic file that has legally authorized.
      企業網銀用戶如因自己之故意或過失致他人知悉使用者代號、密碼並因之獲取存戶於網路銀行中之各種資料，或由於電信線路或 第三人之行為導致之遲延、錯誤或損失，貴行不負責任。
      If the corporate online banking user’s code and password were obtained by others, due to the user’s intentional action or is negligent, that resulted in a leak of the online banking information of the depositor or the delay, error or loss caused by the behavior of a third party or the delay of telecommunication line, the Bank shall not be responsible for such incidents.
  17. 資訊系統安全
    Security of information system
    存戶與貴行應各自確保所使用資訊系統之安全，防止非法入侵、取得、竄改、毀損業務記錄或存戶個人資料。第三人破解貴行資訊系統之保護措施或利用資訊系統之漏洞爭議，由貴行就該事實不存在負舉證責任。第三人入侵貴行資訊系統對存戶所造成之損害，由貴行負擔。
    Both the depositors and the Bank should verify the security of the information systems to prevent illegal intrusion, acquisition, alteration, and damage of business records or the depositor’s personal data. For the dispute that a third party cracking the Bank’s information system or taking advantage of the information leak, the Bank have to provide proof of denying the incident. The damage or loss of the depositors caused by a third party invading the information system of the Bank shall be borne by the Bank.
  18. 保密義務
    Obligation of confidentiality
    除其他法律規定外，貴行應確保所交換之電子文件因使用或執行本約定事項服務而取得存戶之資料，不洩漏予第三人，亦不可使用於與本約定事項無關之目的，且於經存戶同意告知第三人時，應使第三人負本條之保密義務。
    Except as provided by other laws, the Bank shall ensure that the electronic files containing the information of the depositors, for the implementation of the service in this agreement, shall not be disclosed to a third party, nor may it be used for other purposes that are not relevant to the agreed upon terms. In addition, if the depositor agrees to notify a third party regarding the information, the third party shall be obliged to the confidentiality in this article.
    前項第三人如不遵守此保密義務者，視為本人義務之違反。
    If the third party mentioned in the preceding paragraph fails to comply with the confidentiality obligation, it will be deemed a violation of obligation by the depositor.
  19. 損害賠償責任
    Liability for damages
    存戶與貴行同意依本約定事項傳送或接收電子文件，因可歸責於當事人一方之事由，致有遲延、遺漏或錯誤之情事，而致他方當 事人受有損害時，該當事人應就他方所生之損害負賠償責任。
    Both the depositor and the Bank agree that any delay, missing or error in the transmission or receipt the electronic files according to the agreed provisions, if it was due to causes attributable to the one of the parties and resulted in a loss to the other party, the attributable party shall be liable for the loss of the other party.
  20. 誠信經營原則
    Ethical corporate management
    1. 任何一方知悉有人員違反禁止收受佣金、回扣或其他不正當利益之契約條款時，應立即據實將此等人員之身分、提供、承諾、要求或收受之方式、金額或其他不正當利益告知他方，並提供相關證據且配合他方調查。一方如因此而受有損害時，得向他方請求損害賠償，並得自應給付之契約價款中如數扣除。
      Any party who discovers a person violating the contractual terms such as receiving commissions, rebates, or other improper benefits shall immediately inform the other party about the person’s identity, supply, promise, request or the way of acceptance, amount or other improper benefits, as well as relevant evidence and cooperate with other parties for investigation. If a party suffers loss or damage based on the incident, the party may request compensation from the other party, and may make deductions from the payable payment in the contract.
    2. 任何一方於商業活動如涉有不誠信行為之情事，他方得隨時無條件終止或解除契約。
      Either party may request for unconditional termination or rescission of the contract at any time should there be any incidents regarding dishonesty in business affairs.
  21. 紀錄保存
    Record retention
    存戶與貴行應保存所有交易指示類電子文件之紀錄，並應確保其真實性及完整性。
    The depositor and the Bank shall both keep records of all electronic files for transactions and ensure the correctness and completeness of the records.
    貴行對前項紀錄之保存，應盡善良管理人之注意義務。保存期限為五年以上，但其他法令有較長規定者，依其規定。
    The Bank shall retain the records mentioned in the preceding paragraph through the exercise of the reasonable care of a good administrator. The retention period shall be more than five years, or if a longer retention period is stipulated in other laws, the Bank shall also follow the regulations.
  22. 電子文件之效力
    The validity of electronic documents
    存戶與貴行同意以電子文件作為表示方法，依本約定事項交換之電子文件，其效力與書面文件相同。但法令另有排除適用者，不在此限。
    The depositor and the Bank agree to use electronic documents for information notification. The electronic documents used for communication in accordance with the provisions of the agreement shall have the same effect as the written documents, unless otherwise stipulated in other laws and regulations.
  23. 存戶終止約定事項
    Termination by the depositor
    存戶得隨時終止本約定事項，但應親自、書面或雙方約定方式辦理。
    The depositor may terminate this agreement at any time, but it shall be conducted in person, with a written notice or with a previously agreed upon method by both parties.
  24. 銀行終止約定事項
    Termination by the Bank
    貴行終止本約定事項時，須於終止日三十日前以書面通知存戶。存戶如有下列情事之一者，貴行得隨時以書面或雙方約定方式通知存戶終止本約定事項：
    If the Bank intends to terminate this agreement, the Bank must notify the depositor in writing 30 days prior to the termination date. However, the Bank may notify the depositor to terminate the agreement at any time in writing or with a previously agreed upon method by both parties, if one of the following circumstances is applicable to the depositor:
    1. 存戶未經貴行同意，擅自將約定事項之權利或義務轉讓第三人者。
      The depositor transfers the rights or obligations stipulated in the agreement to a third party without the consent of the Bank.
    2. 存戶依破產法聲請宣告破產或消費者債務清理條例聲請更生、清算程序者。
      The depositor is subject to petition for bankruptcy or petition for rehabilitation or liquidation process based on the regulations for consumer’s debt clearance.
    3. 存戶違反本約定事項第十六條至第十八條之規定者。
      The depositor violates the provisions stipulated in Articles 16 to 18 of this agreement.
    4. 存戶違反本約定事項之其他約定，經催告改善或限期請求履行未果者。
      The depositor violates other provisions stipulated in the agreement and fails to improve before the deadline upon a notice or reminder.
    5. 如經貴行研判帳戶有疑似不當使用之情事時，貴行得逕行終止客戶使用網路轉帳。
      The Bank suspects the improper use of an account and the Bank terminates the customer's use of online transfer.
    6. 如屬資恐防制法指定制裁之個人、法人或團體，以及外國政府或國際組織認定或追查之恐怖分子或團體者。
      The depositor is an individual, legal person or groups subject to sanctions under the Terrorism Prevention Act, or a terrorist or terrorist group identified or tracked by foreign governments or international organizations.
    7. 如有不配合貴行審視、拒絕提供實際受益人或對存戶行使控制權之人等資訊、對交易性質與目的或資金來源不願配合說明之情形。
      For circumstances such as unwillingness to coordinate with a routine review of the Bank, refuse to provide actual beneficiaries or information about exercising the control over the depositor, or unwilling to explain the nature and purpose of the transaction and sources of the funds.
  25. 外匯業務附加條款
    Additional terms and clauses for foreign exchange business
    1. 存戶辦理結購（售）之限額，悉依中央銀行有關規定辦理。
      The depositor's limit for the purchase or sale shall be conducted in accordance with the relevant regulations stipulated by the Central Bank of the Republic of China (Taiwan).
    2. 申請外匯轉帳業務或涉及外匯結匯申報之業務者，限為依我國法令在我國設立登記之公司或辦理分公司登記之外國公司、行號或團體領有主管機關核准設立統一編號者、領有國民身分證之個人、領有臺灣地區居留證或外僑居留證證載有效期限一年以上之個人。
      The applicants apply for transfer of foreign exchange or who are in the business of foreign exchange settlement and declaration are limited to the companies registered in Taiwan based on the domestic laws and regulations, a registered branch company of a foreign company, business vendors or groups with the unified business number issued by competent authority, an individual with an national ID card, or an individual with residence permit in Taiwan or an alien residence certificate with a validity period of more than one year.
    3. 存戶應審慎據實填報匯款性質，如有未據實填報者，依據管理外匯條例第二十條第一項規定，將處以新臺幣三萬元以上，六十萬元以下之罰鍰；且日後辦理新臺幣結匯申報時，應至貴行櫃檯辦理。
      For any untruthful remittance report or declaration, the depositor may have to pay a fine of NT$30,000 or up to NT$600,000 in accordance with the provisions of Paragraph 1 of Article 20 of the Foreign Exchange Regulation Act. In addition, the depositor will need to go to the Bank in person to apply for the NTD settlement in the future.
    4. 存戶同意貴行逕依外匯法令之規定，依照存戶所提供之基本資料將水單或交易憑證彙報，存戶悉數承認，絕無異議。
      The depositor agrees the Bank to report the bill or the transaction certificate based on the basic information provided by the depositor in accordance with the provisions of the Foreign Exchange Regulation Act, and the depositor shall fully acknowledge it without any objection.
    5. 存戶辦理結匯或匯款，若該交易依主管機關規定必須檢附核准函或交易文件，或該匯款分類未列入貴行選單，或雖已入貴行選單惟經貴行電腦依身分別檢核，排除於網路申報者，或提示核准函或交易文件得免計入累計結匯額度者，存戶同意不利用網路進行交易，改洽貴行櫃檯辦理。
      When the depositor conducts settlement or remittance and if the transaction is required to attach approval letter or transaction document by the competent authority, or the remittance category is not in the list of the Bank, or it is in the list of the Bank but identified by the computer system that online declaration is not applicable or prompting that the approval letter or transaction document are not included in the accumulated settlement amount of foreign exchange, the depositor agrees not to use the Internet for the transaction and will have to conduct relevant matters via a bank teller at the Bank.
    6. 有關外匯匯率之折算：
      Conversion of foreign exchange rates:
      1. 交易匯率：存戶同意於執行各項網路外匯業務交易時，以貴行服務時間中轉帳當時之牌告即期匯率或與貴行約定之匯率為適用匯率。
        Exchange rate: The depositor agrees to use the Bank’s prevailing spot exchange rate at the time of the transaction or the specified exchange rate of the Bank when conducting the foreign exchange transactions.
      2. 預約臺外幣間轉帳之交易匯率：依轉帳日上午9:30貴行牌告即期匯率或貴行指定之匯率為適用匯率。
        Reservation on the transaction for the exchange between NTD and foreign currency: the applicable current exchange rate is based on the Bank’s prevailing spot exchange rate at 9:30 am on the transfer date or the exchange rate appointed by the Bank.
      3. 如遇外匯市場波動劇烈時，貴行得視需要，暫停臺外幣間及不同幣別網路外匯轉帳交易及其他涉及外匯結匯之業務。
        In the event of rapid fluctuation in the foreign exchange market, the Bank may suspend foreign exchange transaction between NTD and other foreign currencies, and other business related to foreign exchange settlement.
    7. 存戶與貴行議定匯率後，如未依約定完成交易或要求取消交易，致貴行受有損失時，貴行得向存戶酌收違約金。
      After the exchange rate negotiation and resolution between the depositor and the Bank, if the transaction is not completed according to the agreement or the depositor request to cancel the transaction that results in loss of the Bank, the Bank may charge a breach penalty on the depositor.
    8. 存戶先於貴行臨櫃辦理未達等值新臺幣五十萬元之結匯交易，但加計網路銀行交易後累計達等值新臺幣五十萬元者，事後須洽貴行補填寫臨櫃交易申報書。
      If the depositor conducts foreign exchange settlement of less than NT$500,000 or equivalent at the Bank, but the total accumulative amount reaches NT$500,000 after online banking transaction, the depositor is required to contact the Bank afterwards to fill out the declaration form of the transaction via a bank teller at the Bank.
    9. 開發或修改信用狀約定：
      Issuance of letter of credit/amendment to the letter of credit:
      1. 立約人（即存戶）申請本服務，限為貴行授信戶並同意遵守與貴行辦理開發信用狀額度所簽定之「進口遠期信用狀借款契約」或「企業授信綜合額度契約書」等授信相關約據之規定。
        The contractor (i.e. the depositor) who applies for the service is limited to the credit account of the Bank and agrees to abide by the relevant regulations such as the “import issuance of a letter of credit loan contract” or “corporate credit consolidated quota contract” for the issuance of a letter of credit by the Bank.
      2. 立約人同意貴行依立約人傳送之申請指示辦理開發或修改信用狀，並同意遵守國際商會現行適用之信用狀統一慣例（UCP）、電子信用狀統一慣例(eUCP)、逐筆申請時貴行網頁揭示之「開發及修改信用狀約定條款」及其他相關規定。
        The contractor agrees to the conduct issuance of letter of credit or amendment to the letter of credit, and agrees to abide by the Uniform Customs and Practice for Documentary Credits (UCP) and electronic Uniform Customs and Practice for Documentary Credits (eUCP), as well as to apply one by one according to the “Issuance and Amendment of Letter of Credit Agreement” and other relevant regulations disclosed on the website of the Bank.
      3. 立約人同意並瞭解辦理網路信用狀開發或修改申請，如其條款不為貴行所接受時，貴行得不經申請人同意退回該申請。
        The contractor agrees and acknowledges that if the application for the issuance of letter of credit or amendment to the letter of credit is not accepted by the Bank, the Bank may reject the application without the consent of the applicant.
      4. 立約人授權貴行於核准開發或修改信用狀時，自立約人指示之帳戶內扣繳與貴行約定之保證金、相關手續費及郵電費，若貴行發現保證金或相關費用有錯誤時，立約人同意授權貴行逕行更正。
        The contractor authorizes the Bank to directly debit the deposit, relevant handling fee, and postage and telecommunications charges from the specified account of the contractor; if the Bank discovers that the deposit or related fees are incorrect, the contractor agrees and authorize the Bank to make the correction.
    10. 國外應付帳款外匯融資(O/A)暨匯款服務：
      Open Account (O/A) and Remittance Services:
      1. 立約人（即存戶）申請本服務，限為貴行授信戶並同意遵守與貴行簽定之「國外應付帳款外匯融資借款契約」或「企業授信綜合額度契約書」等授信相關約據之規定。
        The contractor (i.e. the depositor) who applies for the service is limited to the credit customer of the bank and agrees to abide by the relevant agreements such as the “foreign financing for Accounts Payable loan contract” or “corporate credit consolidated quota contract”.
      2. 立約人向貴行申請的最高權限安控設備須為「憑證」方得使用本項服務。
        The contractor who applies for the service must obtain “certificates”.
      3. 立約人可透過網路銀行傳送授信動用申請指示訊息，貴行有權逐筆審核及決定是否受理及辦理電子傳送交易指示之交易內容，惟應將拒絕受理之事由告知立約人。
        As the contractor summits applications for financing through online banking, the bank reserves the right to review and determine, on a case-by-case basis, whether to accept and process the transactions transmitted electronically. The bank shall inform the contractor of the reasons for any refusal to accept.
      4. 立約人使用貴行所提供之本項服務，如依規需再為書面處理時，願無條件配合儘速至貴行櫃台辦理，補足貴行指示之書面文件後，貴行始得執行交易。
        As the contractor utilizes the services provide by the bank, in the event that further supporting documents are required, the contractor hereby undertakes to unconditionally cooperate and expeditiously proceed to the bank’s counter to complete any documentation requirements as instructed by the bank. Such action is necessary to effectuate the execution of transactions as directed by the bank
    11. 匯入解款約定：
      Remittance agreement:
      1. 存戶同意辦理網路匯入解款，限為貴行同意且入帳帳號已事先洽貴行辦理轉入約定，並經貴行註記得於網路解付之交易。
        The depositor agrees to apply for online Inward Remittance Payment, which requires the Bank's consent and the account has been specified as the inward transfer account in advance for the inward remittance payment, and the transaction will be remarked by the Bank for online cash remittance transaction.
      2. 存戶同意於貴行網路銀行辦理匯入解款時，應俟貴行收到該筆款項，並依約定收費標準扣除相關費用後，始得解款存入匯款人指示之帳號，如有未獲匯出行補償、錯誤解款或任何糾紛，存戶同意於接獲貴行通知後，立即退還該筆款項。
        When the depositor agrees to apply for online Inward Remittance Payment, the Bank shall deduct the relevant fee based on the agreed charging standard upon receiving the payment and then deposit the payment into the account specified by the remitter. If the Bank has not received compensation from the outward remittance unit, or if there is any error in the payment or any dispute, the depositor agrees to return the payment immediately upon receiving the notice from the Bank.
  26. 特定金錢信託投資國內外有價證券業務特別條款
    Special Provisions for Non-Discretionary Money Trust Investments in Domestic and Foreign Securities
    辦理本項業務相關事宜，悉依特定金錢信託投資國內外有價證券信託契約書、信託資金投資標的經理公司公開說明書、投資人須知、受託人與基金公司有關約定、受託人有關規章、國內外金融慣例等辦理。
    The relevant matters regarding this business shall be conducted in accordance with the “Provisions for Non-Discretionary Money Trust Investments in Domestic and Foreign Securities,” the management company’s prospectus of the trust fund investment, investor brochure, the relevant provisions between the trustee and the fund company, the relevant regulations of the trustee and domestic and foreign financial practices.
  27. 行動網銀附加條款
    Additional terms for mobile online banking
    1. 存戶申請行動網銀服務，除查詢交易外，可申請SSL轉帳或FXML憑證或OTP密碼進行轉帳或設定服務，其中FXML憑證須與網路銀行憑證分開獨立申請，該憑證不可匯出，具唯一性。
      As for the mobile online banking service, in addition to the transaction inquiry function, the depositor can apply for SSL transfer or FXML certificate or OTP password to transfer or set up the service. The FXML certificate must be applied for individually and separately from the application of online banking certificate. The certificate is unique and cannot be exported.
    2. 採用FXML憑證，提供電子數位簽章功能，可確保交易資料之不可否認性及完整性，安全性高，機制嚴謹，憑證內容係以身分證字號或統一編號為主。
      The certificate transfer of this service uses FXML certificate for offering an electronic digital signature function to ensure the transaction data’s non-repudiation and completeness; its security level is high and the mechanism is robust; its certificate content is based on the ID card number or the unified business number.
    3. 本項業務目前提供存戶得使用作業平台為iOS（iPhone/iPad）及Android（GPhone）之智慧型手機(或行動設備)登入使用，嗣後貴行如有調整適用之手機作業平台，存戶不另行簽署約定書，以貴行網站公告為準。
      This service currently provides depositors using the smart phones (or mobile devices) with the operating platform of iOS (iPhone/iPad) and Android (GPhone). If the Bank makes changes to the applicable operating platform of mobile phones, which will be based on the announcement of the Bank’s website and the depositor is not required to sign another agreement.
  28. 約定事項修訂
    Amendments to the agreed upon terms
    本約定事項條款如有修改或增刪時，貴行以書面或雙方約定方式通知存戶後，存戶於七日內不為異議者，視同承認該修改或增刪約款。但下列事項如有變更，應於變更前六十日以書面或雙方約定方式通知存戶，並於該書面或雙方約定方式以顯著明確文字載明其變更事項、新舊條款內容，暨告知存戶得於變更事項生效前表示異議，及存戶未於該期間內異議者，視同承認該修改或增刪約款；並告知存戶如有異議，應於前項得異議時間內通知貴行終止契約：
    In the event of any additional or deleted terms, or amendment to the contract, the Bank shall notify the depositor in writing or with a previously agreed upon method by both parties. The cardholder is deemed to agree to any announced additional or deleted terms, or amendment to the contract if the cardholder does not have any objections within seven days. For any amendments to the following matters, the Bank shall notify the depositor in writing or with a previously agreed upon method by both parties 60 days prior to the amendment, with clear wording indicates the contents of the changes, the contents of old and new terms, and notify the cardholder that any objections shall be proposed before the change takes effect; if the cardholder fails to propose any object within the time limit, it shall be deemed that the cardholder has acknowledged the announced additional or deleted terms or amendment to the contract; and the cardholder will also be informed that the contract can be terminated for any objections of the cardholder.
    1. 第三人冒用或盜用使用者代號、密碼、憑證、私密金鑰，或其他任何未經合法授權之情形，貴行或存戶通知他方之方式。
      Any found fraudulent use of the user’s code, password, certificate, private key, or any other unauthorized authorization by a third party, the method of the depositor or the Bank notify the other party.
    2. 其他經主管機關規定之事項。
      Other matters that are prescribed by the competent authority.
  29. 轉出帳戶約定
    Provisions for the outbound account
    存戶同意於申請書所填列之約定轉出帳戶僅限於原立約單位所開設之各活期性存款帳戶，該等帳戶之原留印鑑樣式即若與本申請書加蓋之代表印鑑有所不同，存戶均予承認並遵守本約定事項所載事項。
    The depositor agrees that the designated account for transfer listed in the application is limited only to the demand deposit accounts opened at the original contractual unit. If the specimen of the seal impression is different from the seal stamped in this application, the depositor shall acknowledge and abide by the regulations stipulated in the agreement.
  30. 文書送達
    Service of documents
    存戶同意以網路銀行服務申請書所載存款帳戶於貴行所留存之地址為相關文書之送達處所，倘存戶之地址變更，應即以書面或其他約定方式通知貴行，並同意改依變更後之地址為送達處所；如存戶未以書面或依約定方式通知變更地址時，貴行仍以網路銀行服務申請書所載存款帳戶於貴行所留存之地址或最後通知貴行之地址為送達處所。
    The depositor agrees to use the mailing address or e-mail address in the Application Form for Services of Online Banking for the delivery of all documents and forms. The depositor shall notify the Bank of any mailing address or e-mail address change in writing, or in other agreed manner. If the depositor fails to notify the Bank, the mailing address or e-mail address in the Application Form for Services of Online Banking or the last notified address will be used as the address for delivery.
  31. 法令適用
    Governing laws
    本約定事項依中華民國法律為準據法，如有未盡事宜，悉依有關法令辦理。
    The governing law for this Agreement is based on the laws of the R.O.C. Any terms and regulations not mentioned herein shall be governed by the relevant laws and regulations of the R.O.C. and applicable rules and regulations.
  32. 法院管轄
    Governing Jurisdiction
    因本約定事項而涉訟者，存戶及貴行同意以貴行或本存款開戶之分支機構所在地為履行地，並以該所在地之地方法院為第一審管轄法院。
    Any dispute arising therefrom shall be subject to the jurisdiction of the District Court governing the original branch of the account, and the prescribed location shall be based on the Bank or where the original branch of the account is located.
  33. 標題
    Title
    本約定事項各條標題，僅為查閱方便而設，不影響約定事項有關條款之解釋、說明及瞭解。
    The titles of articles in this agreement are only for the convenience of reading, and they do not affect the interpretation, explanation and understanding of the relevant terms and clauses stipulated in the agreement.
  34. 個人資料
    Use of personal data
    存戶了解並同意貴行有權於其營業目的或其他法令許可範圍內，對申請人之資料蒐集、處理或國際傳輸及利用，並得將之提供與貴行所委任處理營業相關事務人。
    The depositor hereby acknowledges and agrees that the Bank may collect, process, use, and internationally transmit information within the scope of its business purposes or other laws and regulations, and that the Bank may provide it to the appointed party which handles business-related matters for the Bank.
    本存戶同意貴行於防制詐騙、防制洗錢等特定目的範圍內，得蒐集、處理或利用「被約定轉入帳號」及其「被設定為約定轉入帳號之次數」、帳戶狀態(包括但不限於警示帳戶、衍生管制帳戶)等個人資料；本存戶並同意財金資訊股份有限公司於辦理金融機構間之金融資訊交換目的範圍內，得蒐集、處理或利用上開個人資料。
    The depositor hereby agrees that the Bank, within the scope of specific purposes such as fraud prevention and anti-money laundering, may collect, process or use the designated transfer account, the number of times the designated transfer account being designated as a transfer account, account status (including but not limited to warning account or control account) and other personal information; the depositor also agrees that the Financial Information Service Co., Ltd. may collect, process or use the above personal information within the scope of handling financial information communication between financial institutions.
  35. 申請書暨約定事項分存
    Agreement copies
    本約定事項暨申請書各壹式貳份，由貴行及存戶各執壹份為憑。
    This Agreement is made in duplicate and the depositor and the Bank shall, respectively, keep a copy of the Agreement.
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