尊敬的客户：

账户持有人条款修订通知

为配合快速支付系统的服务提升, 招商银行股份有限公司香港分行（＂本行”） 将于2023年11月26日（"生效日期＂）修订 《账户持有人条款》附件五 - 有关快速支付系统的银行服务， 修订详情请见如下。

经修订后的有关条款将于生效日起上载于本行网站［招商银行香港分行官网＞个人业务 ＞通知、条款、客户须知等>账户持有人条款 (General Terms and Conditions for Account Holders)］, 以供查阅。

请注意, 若您在生效日期或之后继续使用或保留相关户口及服务，则表示您同意及接受有关修订, 而有关修订对您具有约束力。如您拒绝接受该等修订，本行可能无法继续为阁下提供服务。

如阁下对修订有任何查询，请致电本行的客户服务热线:  零售客户: (852) 3119 5555 / (86 755) 95555 / 公司客户: (852) 3118 8900。 本通知的英文版本与中文版本如有任何歧义，概以英文版本为准。

招商银行股份有限公司香港分行
(中华人民共和国注册成立的股份有限公司)
2023年10月27日

修订详情

附件五 - 有关快速支付系统的银行服务

1.新增5.8(a) 条款为:

“在发出付款或交易的指示时，阁下同意采取合理可行的步骤以保障阁下自身的利益、资金及资产免受欺诈或其它非法活动的损害。阁下每次均有责任查证收款人实属可靠并且交易实属真确，以及作出明智的判断。为协助阁下对欺诈、诈骗和欺骗活动保持警惕，本行将根据从快速支付系统或香港警务处不时接收到的风险警告、讯息及指标发出风险警示。”

2. 修订6.2(b)(ii) 条款为:

“结算公司快速支付系统或快速支付系统的任何功能产生或引致的，或本行可合理控制以外的情况引致的延误、无法使用、中断、故障或错误，包括本行从快速支付系统或香港警务处接收到有关怀疑欺诈、诈骗或欺诈的风险警告、讯息及指标的任何延误或错误；及”    

27 October 2023 

Dear Customer

Notice of Amendments to General Terms and Conditions for Account Holders

Pursuant to the enhancement relating to Faster Payment System, China Merchants Bank Hong Kong Branch (“the Bank”) will amend its “General Terms and Conditions for Account Holders – Schedule 5: Bank Services relating to the service Faster Payment System”, with effect from 26 November 2023.  Please refer to the below amendment details.

Please visit our website ［招商银行香港分行官网＞个人业务 ＞通知、条款、客户须知等>账户持有人条款 (General Terms and Conditions for Account Holders)］for the amended Terms and Conditions from the effective date.

By having any account with us, by using any of our service after the Effective Date, you acknowledge and agree that the amendments to the Terms and Conditions shall be binding on you. If you do not accept the amendments, we may be unable to continue to provide services to you.

If you have any queries relating to this notice, please contact at our customer service hotlines: (852) 3119 5555 or (86-755) 95555 (Retail customers) or (852) 3118 8900 (Corporate customers). Should there be any discrepancy between the English and Chinese versions of this Notice, the English version shall prevail.

Yours faithfully

China Merchants Bank Co. Ltd., Hong Kong Branch

(Incorporated in the People’s Republic of China with Limited Liability)

Amendment Details
Schedule 5: Bank Services relating to the service Faster Payment System

1. Introduce new condition 5.8(a) as follows:

“In giving instructions to make payments or effect transactions, you agree to take reasonably practicable steps to safeguard your own interest, money and assets from fraud or other illegal activities. You are responsible to check whether the payment recipient and the transaction are real and trustworthy in each case and exercise sound judgement. To help you stay vigilant against frauds, scams and deceptions, the Bank will send risk alerts based on the risk warnings, messages and indicators received by the Bank from the Faster Payment System or Hong Kong Police Force from time to time.”

2. Amend condition 6.2(b)(ii) as follows:

“HKICL FPS or any functionality of the Faster Payment System, or arising from any circumstances beyond the Bank’s reasonable control, including any delay or error relating to the risk warnings, messages and indicators about suspected frauds, scams or deception received by the Bank from the Faster Payment System or Hong Kong Police Force; and”