2023.12.01

Notice of Amendment: Updates for the Terms and Conditions for Private Wealth Management Services
修訂通知 :本行私人財富管理服務條款及細則之更新

Please kindly be advised that, with effect from 1 Jan,2024 (“Effective Date”), terms and conditions for our Private Wealth Management Services will be updated with the major amendments as follows:-
請注意，本行的私人財富管理服務之一般銀行服務條款及細則、投資服務條款及細則與場外交易衍生工具交易條款及細則將於2024年01月01日(「生效日期」) 更新，主要修訂如下︰

Part A – AMENDMENT TO TERMS AND CONDITIONS OF GENERAL BANKING SERVICE (PRIVATE WEALTH MANAGEMENT SERVICES)
第A部分 – 一般銀行服務條款及細則(私人財富管理服務 )之修訂

1. Definition of “Bank” in Clause 1.1 of Part I General Provision for General Banking Service
第 I 部份一般銀行服務一般條文第1.1條內「銀行」的定義

The following shall be added after “Cathay United Bank Company, Limited, Hong Kong Branch”:
以下段落將於 ”國泰世華商業股份有限公司香港分行” 後:

“(a branch of a company with limited liability incorporated in Taiwan)”
“(一家於台灣註冊成立的有限責任公司之分支機構)”

2. Clause 19 of Part III Terms and Conditions for Internet Banking, Fax Instruction and Phone Banking shall be updated as follow:
第三部份--網上銀行、傳真指示及電話銀行條款及細則第19條更新如下:

“19. E-CONSOLIDATED STATEMENTS AND E-NOTICE SERVICES
電子綜合結單及電子通訊服務

19.1 The e-consolidated statements service ("e-Consolidated Statement Service") is a service provided by the Bank under Internet Banking whereby all consolidated statements ("e-statements") from time to time issued by the Bank to the Client in respect of all or any of the Bank Account for which consolidated statements will be issued by the Bank ("e-Consolidated Statement Accounts") can be viewed on the Bank's website, downloaded and/or printed out by an Authorized User. The Client acknowledges and agrees that once application for the e-Consolidated Statement Service is accepted by the Bank, no physical copies of consolidated statements in respect of the e-Consolidated Statement Accounts will be issued and sent by the Bank to the Consolidated Statement Address unless the Client chooses to continue to receive physical copies or applies at any branch/sub-branch/office of the Bank or through such other means as designated by the Bank for discontinuance of the e-Consolidated Statement Service and resumption of issue by the Bank of physical copy of consolidated statements.
電子綜合結單服務(「電子綜合結單服務」)是銀行在網上銀行項下所提供的服務，透過此服務，就銀行將不時發出綜合結單的所有或任何銀行帳戶(「電子綜合結單帳戶」)而言，由銀行向客戶所不時發出的所有綜合結單(「電子結單」)均可以由獲授權使用者在銀行的網站上瀏覽、下載及/或列印。客戶確認及同意，電子綜合結單服務申請一經銀行接納，除非客戶指定繼續收取實物綜合結單，或除非客戶在銀行的任何分行/支行/辦事處或通過由銀行所指定的其他途徑申請終止電子綜合結單服務及恢復由銀行發出實物綜合結單，否則銀行不會就電子綜合結單帳戶發出及寄交實物綜合結單至綜合結單地址。

19.2 The e-notice service ("e-Notice Service") is a service provided by the Bank under Internet Banking whereby all notices (other than reminder notices referred to in Clause 19.5 below), advices, statements (other than consolidated statements), confirmations or other communication ("e-notices") from time to time issued by the Bank to the Client in respect of all or any of the Bank Account as may from time to time be designated by the Client in respect of the e-Notice Service ("e-Notice Accounts") can be viewed on the Bank's website, downloaded and/or printed out by an Authorized User. The Client acknowledges and agrees that once application for the e-Notice Service is accepted by the Bank, no physical copies of such notices, advices, statements, confirmations or other communication in respect of the e-Notice Accounts will be issued and sent by the Bank to the correspondence address unless the Client chooses to continue to receive physical copies or applies at any branch/sub-branch/office of the Bank or through such other means as designated by the Bank for discontinuance of the e-Notice Service and resumption of issue by the Bank of physical copy of such notices, advices, statements, confirmations or other communication.
電子通訊服務(「電子通訊服務」)是銀行在網上銀行項下所提供的服務，透過此服務，就客戶不時為此服務指定的所有或任何銀行帳戶(「電子通訊帳戶」)而言，由銀行向客戶所不時發出的所有通訊(不包括下文第19.5條提及的提示通知)、通知書、結單(不包括綜合結單)、確認書或其他通訊(「電子通訊」)均可以由獲授權使用者在銀行的網站上瀏覽、下載及/或列印。客戶確認及同意，電子通訊服務申請一經銀行接納，除非客戶指定繼續收取該等通訊、通知書、結單、確認書或其他通訊的實物文本，或除非客戶在銀行的任何分行/支行/辦事處或通過由銀行所指定的其他途徑申請終止電子通訊服務及恢復由銀行發出該等通訊、通知書、結單、確認書或其他通訊的實物文本，否則銀行不會就電子通訊帳戶發出及寄交該等通訊、通知書、結單、確認書或其他通訊的實物文本至通訊地址。

19.3 Notwithstanding any contrary provision in these terms and conditions, each Authorized User is authorized to use the e-Consolidated Statement Service and the e-Notice Service. The Client acknowledges and agrees that the Authorized User(s) may view all transaction details of and receive all notices, advices, statements, confirmations or other communication in respect of the e-Consolidated Statement Accounts and the e-Notice Accounts even if all or any of the e-Consolidated Statement Accounts and the e-Notice Accounts have not been included as Bank Account accessible through Internet Banking.
儘管在本條款及細則內有任何相反規定，每位獲授權使用者均獲授權使用電子綜合結單服務及電子通訊服務。客戶確認及同意，(各)獲授權使用者可瀏覽電子綜合結單帳戶及電子通訊帳戶的所有交易詳情及收取所有與該等帳戶有關的通訊、通知書、結單、確認書或其他通訊，即使所有或任何電子綜合結單帳戶及電子通訊帳戶並未被包括為可通過網上銀行使用的銀行帳戶。

19.4 An e-statement or e-notice will only be available for checking through the E-consolidated Statement Service and the e-Notice Service for 12 calendar months or such other period as the Bank may consider appropriate after being posted on the relevant webpage. Thereafter, it will be deleted by the Bank and physical copy will only be provided upon application at any branch/sub-branch/office of the Bank or through such other means as designated by the Bank and payment of a fee.
客戶只可在電子結單或電子通訊登載於有關網頁後的12個月或銀行認為適當的其他期間內通過電子綜合結單服務及電子通訊服務核對電子結單或電子通訊。在上述期間後，電子結單或電子通訊將會被銀行刪除，而實物文本將只有在客戶在銀行的任何分行/支行/辦事處或通過由銀行所指定的其他途徑提出申請並且繳付費用後方可提供。

19.5 The Client shall ensure that the Client (a) will check for and view e-statements and e-notices through the e-Consolidated Statement Service and the e-Notice Service regularly and (b) will download and/or print out an e-statement or e-notice for record if it/he/she considers necessary before the same is deleted by the Bank. Without prejudice to the foregoing, the Bank may (but is not obliged to) from time to time send notices ("reminder notices") to the email address designated by the Client for the purpose of these terms and conditions so as to remind the Client of the posting of the latest e-statement or e-notice on the Bank's website. For the avoidance of doubt, it is always the obligation of the Client to ensure that all e-statements and e-notices are accessed through the e-Consolidated Statement Service and the e-Notice Service before the same are deleted by the Bank even if the Client has not received a reminder notice from the Bank for whatever reason.
客戶應確保客戶 (a) 將會定期通過電子綜合結單服務及電子通訊服務核對及瀏覽電子結單及電子通訊，及 (b) 將會在它/他/她認為有必要時，在銀行將電子結單或電子通訊刪除之前下載及/或列印電子結單或電子通訊以作記錄。在不影響前述各項的原則下，銀行可以(但並無責任)不時發送通知(「提示通知」)至客戶就本條款及細則用途而指定的電郵地址，以提示客戶最近期的電子結單或電子通訊已在銀行的網站上登載。為避免產生疑問，客戶始終有責任確保所有電子結單及電子通訊在被銀行刪除之前均已通過電子綜合結單服務及電子通訊服務予以存取，即使基於任何原因，客戶並未收到銀行所發出的提示通知。




Part B - AMENDMENT TO TERMS AND CONDITIONS OF INVESTMENT SERVICE (PRIVATE WEALTH MANAGEMENT SERVICES)
第 B 部份 - 投資服務條款及細則(私人財富管理服務)之修訂

Clause 1.1 of Part I General Provision for Investment Service
第 I 部份投資服務一般規定第1.1條

1. New definition of “Authorized Institution” has been added as follows:
新增「註冊機構」的定義如下:

“Has the same meaning as in the Banking Ordinance of Hong Kong (Cap.155 of the Laws of Hong Kong)”
“具有與《銀行條例》(香港法例第155章) 內相同的涵義。”

2. Definition of “Bank”
「銀行」的定義

The following shall be added after “Cathay United Bank Company, Limited, Hong Kong Branch”:
以下段落將於 ”國泰世華商業股份有限公司香港分行” 後:

“(根據該條例為從事第1類(證券交易)及第4類(就證券提供意見) 的受規管活動之註冊機構(中央編號AGV591))”

3. Definition of “Investment Service”
「投資服務」的定義

The word “and advising on” shall be added after “dealing in”.
於 “買賣金融產品” 後加入 ”及就金融產品提供意見”。



Part C - AMENDMENT TO TERMS AND CONDITIONS FOR OVER-THE-COUNTER DERIVATIVE TRANSACTIONS (PRIVATE WEALTH MANAGEMENT SERVICES)
第 C 部份 - 場外交易衍生工具交易條款及細則(私人財富管理服務)之修訂

1. Clause 2.1 of Annex A General Definitions has the following change:
附錄 A 常用定義第 2.1 條改動如下:

Definition of “LIBOR” is deleted.
刪除「LIBOR」的定義。

2. Clause 3 Rate Options of Annex D Miscellaneous is replaced with the following:
附錄 D 其他事項第 3 條利率期權如下取代:

“The term used for Rate Options in a Confirmation shall be defined according to the updated Definitions published by the International Swaps and Derivatives Association, Inc. (“ISDA”) from time to time.
確認書中所用的利率期權名詞將根據國際交換暨衍生性金融商品協會(ISDA)不時發佈的定義(Definitions)之最新版本所定義。”

The English version of this notice shall prevail whenever there is a discrepancy between the English and Chinese versions.
若本通知之中英版本出現不一致情形，以英文版本為準。