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1Àå INTERPRETATION
2Àå CURRENT ACCOUNTS
1. Opening Criteria
2. Cheque Books and Cheques
3. Stop Payment Instructions
4. Overdrawn Account
5. Deposits
6. Withdrawals/Payments
3Àå DEPOSIT ACCOUNTS
1. Receipts/Deposits
2. Uncleared cheques
3. Withdrawal
4. Renewal
4Àå GENERAL PROVISIONS RELATING TO CURRENT AND DEPOSIT ACCOUNTS
1. Business
2. Charges and Expenses
3. Statements of Account
4. Closing of Account(s)
5. Changes of Specimen Particulars
6. Use of Chop
7. Mandate(s)
8. Dormant Account(s) with Low Balance
9. Orders
5Àå TERMS AND CONDITIONS FOR TIME DEPOSITS
1 korea exchange bank, hong kong branch
terms and conditions for current accounts/deposit acounts
these terms and conditions (the ¡°conditions¡±) are divided for the sake of convenience into a number of different headings and shall govern all and any accounts that may from time to time be opened by the customer with and financial services that may from t ime to time be provided to the customer by, korea exchange bank, hong kong branch.
in the event of any conflict between these conditions and any account mandate or any other document or agreement executed by or on behalf of the customer, the terms of the a ccount mandate or such other document or agreement shall prevail (unless otherwise specified by the bank in its sole discretion).
interpretation
in these conditions, unless the context otherwise requires:-
¡°affiliate¡± means any company in which korea exchange bank, hong kong branch from time to time, directly or indirectly has a shareholding which represents 10% or more of the issued share capital of such company;
¡°bank¡± means where the customer has opened (an) account(s) with the korea exchange bank, hong kong branch and, where the context so permits, includes any other branches, and any subsidiaries and associated companies of korea exchange bank, seoul, korea throughout the world and its and their respective successors and assigns;
¡°customer¡± means the person or persons in whose name or names any account has been opened and any references to the ¡°customer¡± shall include the customer¡¯s personal representative, successors and assigns and, where the context so permits, any authorised signatory or authorised representative of the customer.
¡°instruments¡± means any and all cheques, bills, drafts, notes and other instruments drawn or to be drawn on an account;
¡°person¡± means an individual, sole proprietorship, company, society, corporation, firm, partnership, joint venture, association, organisation, trust or other entity (in each case, whether or not having a separate legal personality);
references to a signature shall include a chop, rubber stamp or corporate seal or any other manner and/or evidence of execution of any document provided in law, custom or practice or by agreement;
words denoting the singular shall include the plural and vice versa and references to the neuter gender shall include the male and female gender as the context requires; and
the headings and sub-headings are inserted for convenience only and shall not affect the construction of these conditions.
current accounts
1.opening criteria
the opening of any current account is at the discretion of the bank and is subject to the conditions that the customer shall complete and sign such forms and specimen signature cards, provide such references and deposit with the bank such minimum amount as the bank may, at its discretion, require in relation to the opening and operating of a current account.
2.cheque books and cheques
cheque books may be issued at the discretion of the bank.the following terms shall apply to any cheque book issued and the bank shall not be liable for any loss incurred by the customer as a result of his failure to comply with such terms:
(a) cheques are encoded and may be used only for drawings on the account in relation to which they are customised.
(b) the bank shall be entitled to dishonour any cheque which is not drawn in the currency in which the current account is denominated, which is not written in non-erasable ink or ball-
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point pen in chinese or english and which is not signed in conformity with the specimen signature registered with the bank.
(c) the bank shall be entitled to dishonour any cheque if, in its opinion, such che que is irregular or irregularly drawn in any manner and shall not be liable in any manner for any such dishonour.
(d) every alteration on a cheque must be clearly marked and confirmed by the full and complete signature of the drawer.the bank shall be ent itled to dishonour any cheque which does not comply with such requirements and shall not be responsible for any resulting losses.
(e) the bank may issue new cheque books automatically. otherwise, any application for a new cheque book may be made by presenting a duly completed and signed cheque book application form
cheque books sent to the customer shall be sent at the customer¡¯s sole risk and cost. the bank may, at its discretion, refuse to issue a cheque book
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