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CALL DEPOSIT ACCOUNT – GENERAL TERMS ANDCONDITIONS
银行通知存款账户一般条款
NOTE: 1. Without limitation to the terms and conditionscontained herein, all call deposits offered by HSBC Bank (China)Company Limited (the ‘Bank’) in the People’s Republic of China (butexcluding Hongkong, Macao and Taiwan (the “Mainland China’) aresubject to the General Terms and Conditions applicable to allaccounts in the Mainland China
注意：除本文件所述各条款外，适用于所有在中国（香港、澳门和台湾除外）（下称“中国内地”）开立于汇丰银行（中国）有限公司（下称“本银行”）的账户的“一般章则条款”亦适用于所有在中国内地开立于本银行的通知存款账户。
2. This English version is for reference only. In case ofany discrepancies between the Chinese and English versions, theChinese version shall apply and prevail
英文本仅供参考。中英文本如有歧义，须以中文本为准。
3. The customer shall refer to account holders whereappropriate.
在适用时，客户可指一人或一人以上。
1. The Bank’s acceptance of the customer’s application foropening a call deposit account with the Bank in the Mainland China(the ‘Account’) is based on the customer having read and agreed tothe following terms and conditions.
本银行接受客户关于在汇丰银行（中国）有限公司（下称“本银行”）的中国内地境内各分支机构开立通知存款账户的申请乃基于客户已经全文阅读并同意下列各条款。
2. A call deposit mentioned in these terms and conditionsrefer to a deposit denominated in Renminbi (“RMB”) or foreigncurrency, in respect of which the customer does not specify thetime period of deposit at the time of placement but the customermust notify the Bank of the proposed withdrawal date and amountprior to the withdrawal.
本文件中规定的通知存款是指存款人在存入款项时不约定存期，支取时需提前通知本银行，约定支取存款日期和金额方能支取的人民币和外币存款。
3. An account may be opened in such currencies and withsuch minimum deposit amount and minimum withdrawal amount asdetermined by the Bank, which may, at the Bank’s sole discretion,be changed from time to time. At present, the minimum depositamount for a call deposit (whether denominated in RMB or otherforeign currency) as required by the Bank is RMB50,000 (or itsequivalent in relevant foreign currency) for a personal customerand RMB500,000 (or its equivalent in relevant foreign currency) foran entity customer, and the minimum amount of each withdrawal isRMB50,000 (or its equivalent in relevant foreign currency) for apersonal customer and RMB100,000(or its equivalent in relevantforeign currency) for an entity customer.
开立通知存款账户应遵守本银行有关币种、最低起存金额和最低支取金额的要求，且本银行
可随时自主调整前述要求。目前，本银行通知存款（无论是人民币还是外币通知存款）的最
低起存金额为：个人：五万元（或其等值有关外币 金额），单位：五十万元（或其等值有关外币金额）；最低支取金额为：个人：五万元（或其等值有关外币金额），单位：十万元（或其等值有关外币金额）。
4. The customer must place the call deposit with the Bankin one lump sum in accordance with the
requirement by the Bank or law in respect of the minimumdeposit amount. In the meantime, the customer must select the typeof call deposit (i.e. 1-day call deposit or 7-day call deposit),which
selection cannot be changed without the Bank’sconsent.
客户须按本银行或法律法规规定的最低起存金额一次性将有关存款存入本行，并选择通知存
款种类（即一天通知存款或七天通知存款）。未经本银行同意，客户不得变更在通知存款存入时选择的通知存款种类。
5. A call deposit can be withdrawn in one lump sum or byinstalments. The customer must notify the Bank of a proposedwithdrawal by no later than the time period of prior notice forwithdrawal as agreed at the time of placement of the deposit (i.e.1day or 7 days) (the “Period of Notice”), and the format of suchnotice shall be in accordance with the Bank’s requirement. If theBank receives two or more instructions from the customerprescribing for the same proposed date of withdrawal (whether ornot the customer gives such instructions by the same means), theBank will act on all such instructions, unless otherwise expresslyprovided in such instructions. All the notices given by thecustomer must be made by the means as prescribed for or adopted bythe Bank from time to time; otherwise, the Bank shall have theright to refuse to act on such notices without notice to thecustomer.
每一笔通知存款可以一次性提取，也可以分次提取。客户支取通知存款时，应至少按通知存
款存入时约定的取款时需提前通知的时间（一天或七天）（以下简称“通知期限”）提前通知
本银行，通知的格式应符合银行要求。若本银行收到客户的两个或两个以上载有相同取款日
的取款通知（无论客户作出该等通知的方式是否相同），除非该等通知中另有明确说明，本银行将执行所有该等取款通知。所有的通知均须以本银行不时规定或采纳的方式作出，否则本银行有权拒绝按该通知行事而无须通知客户。
6. Unless otherwise provided herein, a call deposit shallaccrue interest on a daily basis at the rate adopted
除非本文件另外有规定，通知存款每日按照当日的本银行挂牌公告的相应利率计算利息
7. Subject to other provisions herein, if the customerrequests for partial withdrawal of a call deposit, the Bank willagree to such request, provided that the amount of such partialwithdrawal shall not be lower than the minimum amount of withdrawalrequired by the Bank or law. If the remaining balance of a calldeposit after the withdrawal is lower than the minimum depositamount required by the Bank or law, such remaining balance will beconverted on the same day into a savings deposit account, whichshall be subject to any terms and conditions applicable to savingsdeposit accounts. The customer may also instruct the Bank toconvert such remaining balance into other types of deposits. If theremaining balance of a call deposit after the withdrawal is higherthan or equivalent to minimum deposit amount required by the Bankor law, such remaining balance will be retained as a call depositand the time period of such call deposit shall be calculated fromthe date of placement of the original call deposit.
在受本文件其他条款规定的约束的前提下，在客户要求支取的金额少于己于存款金额的情况
下，本银行可以同意客户只实际支取部分存款，但不得低于本银行或法律法规规定的最低支
取金额。如果客户取款后剩余的通知存款低于本银行或法律法规规定的通知存款起存金额，
剩余的通知存款于当日自动转为活期存款，并适用本银行有关活期存款的条款和条件；或根
据客户指示并经办理其他类型的存款的申请和相关手续转为其他类型的存款。如果客户取款
后剩余的通知存款等于或高于本行或法律法规规定的通知存款起存金额，则剩余的通知存款
保留作为通知存款，从原开户日计算存期。
8. In any of the following events, the Bank shall have theright to re-compute the actual interest amount payable for therelevant amount withdrawn (i.e. the interest payment on the amountso withdrawn for the period from the Initial Value Day to one daybefore the withdrawal date shall be calculated on the basis of theBank’s prevailing current account interest rate on withdrawal day),and determine the discrepancy between actual interest paymentamount and interest which have been paid to the customer beforeactual withdrawal day for the relevant amount withdrawn and thensettle the discrepancy from the withdrawal amountaccordingly:
在发生下列任一情况时，银行有权对支取金额重新核算实际应得利息，即支取金额自存款起
始日起至支取前一日之间应按支取日当日银行的活期存款利率核算的实际应得利息，并按照
多退少补原则结付最终支付金额（即从支取金额中扣除支取日前银行对支取金额已结付的利
息与实际应得利息之间的差额）：
(a) the actual time period of deposit is shorter than thePeriod of Notice;
(b) the customer fails to notify the Bank of anywithdrawal by no later than the Period of Notice prior to suchwithdrawal;
(c) the customer notifies the Bank of a proposedwithdrawal by no later than the Period of Notice prior to suchwithdrawal, but withdraws in part or in whole the relevant amountprior to or after the notified withdrawal date;
(d) the amount of withdrawal is lower than or exceeds theamount stated in the withdrawal notice, the actual interest amountpayable due to the discrepancy of actual withdrawal and noticewithdrawal amount will be re-computed according to above mentionedprinciple;
(e) the amount of withdrawal is lower than the minimumwithdrawal amount required by the Bank or law.
1. 实际存期不足通知存款存入时约定的通知期限的；
2. 未按通知存款存入时约定的时间提前通知而支取的；
3.已按通知存款存入时约定的时间办理通知手续，但在通知中载明的提款日期之前支取或逾期支取全部或部分所通知的支取金额的；
4.支取金额不足或超过取款通知中约定的取款金额，不足部分及超过部分按照上述核算标准计算应得利息；
5.低于本银行或法律法规规定的最低支取金额的。
9. If thecustomer does not withdraw in whole or in part a call deposit afterservice of the relevant
withdrawalnotice to the Bank, or if the customer cancels part or all of awithdrawal notice within the Period of Notice but prior to theproposed withdrawal date, the relevant withdrawal notice shall bedeemed to have expired or have been cancelled. If the customerdesires to withdraw any of the call deposit, a new withdrawalnotice will be required to be made pursuant to the terms andconditions herein.
客户作出取款通知后不按该通知全额支取通知存款，或在通知期限内于该通知所载取款日期
前全部或部分取消通知的，视作客户的通知已过期或取消，客户如需支取任何存款，则应当
根据本文约定另行发出通知。
10. Anyplacement, renewal or withdrawal of a call deposit will beprocessed by the Bank on its business days.
任何通知存款的存入、续存和支取，均须在本银行营业之日办理。
11. If anynotice is received by the Bank on a day other than the Bank’sbusiness day, it shall be deemed as having been received by theBank on the following business day. If the notified date ofwithdrawal is a day other than the Bank’s business day, suchwithdrawal shall be processed on the following business day,provided that the Bank shall have the discretion to process thewithdrawal on the business day preceding to such notified datewithdrawal.
任何通知若于非本行营业之日送达本银行，则应被视为于该日的下一日营业日送达。通知存
款的任何支取若将发生于非本银行营业之日，则应顺延至该日下一个营业日发生，但本银行
有权酌情决定将之提前至该日的前一个营业日办理。
12.Account statements are sent at monthly intervals, unless otherwiserequested. If there is no account activity within one or moremonths after the period covered by the most recent accountstatement, the Bank need not send the monthly account statement(s)for that/those month(s).
The customeragrees to examine each statement of account received from the Bankto see if there are any errors, discrepancies, unauthorized debitsor other transactions or entries arising from whatever cause,including, but without limitation, forgery, forged signature,fraud, lack of authority or negligence of the customer or any otherperson (the ‘Errors’).
Thecustomer also agrees that the statement of account shall, asbetween the Bank and the customer, be conclusive evidence as to thebalance shown therein and that the statement of account shall bebinding upon the customer, who shall be deemed to have agreed towaive any rights to raise objections or pursue any remedies againstthe Bank in respect thereof unless the customer notifies the Bankin writing of any such Errors within 90 days after personaldelivery of such statement of account to the customer or, ifposted, within the same period after the Bank has posted suchstatement of account or, if the customer agrees with the Bank tocollect such statement of account at the counter of the Bank,within the same period after the date when such statement ofaccount is generated in the Bank’s system (whether or not, andregardless when, the customer has collected such statement ofaccount during that 90-day period).
除非客户特别要求，本银行将按月发出对账单。如在最近一张对账单所涵盖的期间结束后一
个或数个月份没有发生账户交易，本银行无须就该一个或数个月份发出对账单。
客户同意审核本银行所发出的对账单，以检查有否错漏或出现不论任何原因而引致的未经授
权的扣款或交易或入账，这些原因包括（但不限于）：假冒、冒签、欺诈、未经授权交易或客户或其他人士的疏忽等（统称为“错误”）。
客户亦同意，如客户在本银行专人递送或寄出对账单之后九十天内，或（在客户与本银行另
有约定由客户到本银行柜台领取对账单的情况下）在本银行系统产生对账单之日（以对账单
上的日期为准）起九十天内（无论客户是否及何时已领取该对账单），未以书面方式将任何错误通知本银行，则将被视为客户已放弃就该对账单而向本银行提出异议或索赔的权利。
13.Accounts with zero balances or Accounts which remain inactive(other than the Bank’s debit of the Accounts for accrued bankcharges, if any) for a continuous period of two years or more (orsuch shorter period as required by laws, regulations and rules) areliable to be closed by the Bank, in the absence of the customer’sspecific instructions to the contrary within the period specifiedby the Bank.
若账户余额为零或连续两年或两年以上（或在法律、法规、规章规定的更短期间内）全无款
项收支（本银行从账户中扣除银行费用（若有）的活动除外），本银行有权撤消该账户，除非客户在本银行确定的期限内另有相反指示。
