定期存款服务条款

GENERAL TERMS AND CONDITIONS FOR ACCOUNT HOLDERS

Schedule 1: ADDITIONAL TERMS AND CONDITIONS FOR TIME/CALL DEPOSIT ACCOUNTS

 

1.    Deposit

1.1   If a Hong Kong Dollar deposit matures on a non-Business Day, the deposit shall be payable on the next Business Day and interest shall be paid up to but excluding that day.

1.2   If a foreign currency deposit matures on a day on which banks in either the country of the relevant foreign currency or in Hong Kong are not generally open for business, the deposit shall be payable on the next succeeding day on which all such banks are generally open for business and interest shall be paid up to but excluding that day.

 

2.    Interest

2.1   Interest is calculated up to but excluding the maturity date. Interest is only payable on the maturity date. Details of accrued interest and the amount of tax (if any) deducted will be advised each time when the interest is paid.

2.2   Interest on time deposits is fixed for the entire deposit period. Interest on call deposits will be simple interest accruing from day to day at the call rate specified by the Bank on a daily basis.

2.3   Interest is calculated on a 365 or 366 day year basis where the deposit is denominated in Hong Kong Dollars and on a 360 day year basis (in both ordinary and leap years) where the deposit is denominated in other currencies, or on such other day year basis as may be determined by the Bank from time to time.

 

3.    Maturity of deposits

3.1   At the request of the Account Holder, the Bank may at its discretion repay a deposit before maturity on such terms as the Bank may prescribe.

3.2   If no maturity instruction is received from the Account Holder before maturity, the Bank will hold the relevant deposit at maturity at the Account Holder's disposal pending the Account Holder's instructions.  Interests from maturity until instructions are received may be paid at such rate as the Bank may specify.

3.3   Where instructions for automatic renewals for deposits are given, the interest rate applicable to the relevant type of deposit prevailing on the maturity date will be the rate for the renewal.

 

4.    Early or partial withdrawal

       Withdrawal or partial withdrawal of a call deposit is subject to prior notice (of such period as from time to time specified by the Bank) from the Account Holder to the Bank.  A fixed deposit may not be withdrawn prior to maturity.  Any withdrawal or partial withdrawal of a fixed deposit prior to maturity or withdrawal or partial withdrawal of a call deposit without sufficient prior notice shall only be permitted at the discretion of the Bank in which case the Bank may levy a charge and/or forfeit the interest accrued on the deposit in whole or in part.

 

5.    Charges

       The Bank may charge a commission on the face amount of foreign currency notes, cheques, drafts, payment orders or other monetary instruments deposited into a foreign currency account.

 

账户持有人条款

附件一 定期账户、通知存款账户的附加条款

 

1.    存款

1.1   如果港元存款到期之日非营业日, 该存款应于下一营业日支付, 而利息应计至该日 (但不包括该日)。

1.2   如果外币存款到期之日非香港或此等货币发行国之银行通常办公的营业日, 则该存款应于所有此等银行通常办公的下一营业日支付, 而利息应计至该日 (但不包括该日)。

 

2.    利息

2.1   利息应计至但不包括到期日。利息仅于到期日方应付。累计利息的详情及扣除之税金(如有)将于每一次支付利息时作出通知。

2.2   定期存款之利息是就整个存款期而定。通知存款的利息, 按账户日余额和银行不时规定的利率按日计算单利。

2.3   若存款为港元, 利息按每年365天或366天计算。若存款为其它货币, 则按每年360天 (含一般年份及闰年) 或银行不时决定的此等其它天数计算。

 

3.    存款到期

3.1   应账户持有人请求, 银行可酌情决定按银行规定的条件在到期前偿还存款。

3.2   若到期前未收到账户持有人的到期指示, 则银行在账户持有人到期指示之前将持有到期之相关存款, 以待账户持有人处置。到期至到期指示时其间收到之利息按银行规定的此等利率支付。

3.3   若作出存款自动展期之指示, 则相关类型存款到期日适用之利率应为展期利率。

 

4.    提前提款或部分提款

       账户持有人提取或部分提取通知存款, 须提前通知银行 (所需的提前通知时间由银行不时规定)。定期存款不可在到期之前提取。提前提取或部分提取未到期的定期存款或未经足够提前通知提取或部分提取通知存款, 须经银行酌情批准, 而且银行可收取手续费和/或没收全部或部分存款的应计利息。

5.    收费

       账户持有人向外币账户存入外币现钞、支票、汇票、付款凭单或其它货币性票据,银行可按面额收取手续费。

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