《賬戶持有人條款》修訂通知

感謝閣下選用本行的服務。本行將不斷優化銀行服務，以提昇客戶服務體驗。

請留意，由2023年10月31日(「生效日」)起，本行《賬戶持有人條款》（下稱“條款”）將作出修訂/新增, 詳細要點如下：

修訂前:

章節G 有關快速支付系統的銀行服務

5(b) 任何閣下用作登記賬戶綁定服務的識別代號必須符合結算公司不時施加的適用要求。例如，結算公司可要求登記作識別代號的流動電話號碼或電郵地址必須與閣下於相關時間在本公司紀錄上登記的聯絡資料相同。
Any Proxy ID to be registered by you for the Addressing Service must satisfy any applicable requirements imposed by HKICL from time to time. For example, HKICL may require the mobile phone number or email address to be registered as Proxy ID to be the same number or address registered by you as contact information on our records at the relevant time.

5(h) 其他有關付款及資金轉賬的責任

本公司將按本部份及現有條款下的適用條款處理閣下就銀行服務的任何指示。閣下須遵守其他有關付款、資金轉賬及直接付款授權的責任，包括但不限於在相關賬戶存有足夠資金用作不時結清付款及資金轉賬指示。

Other obligations regarding payments and funds transfers

Any instruction given by you in relation to the Bank Services will be handled by us in accordance with this Part and the applicable provisions in the Existing Terms. You have to comply with the other obligations with respect to payments, funds transfers and direct debit authorisations, including without limitation maintaining sufficient funds in the relevant accounts for settling payment and funds transfer instructions from time to time.

6(b)(ii)(2) 結算公司快速支付系統產生或引致的，或本公司可合理控製以外的情況引致的延誤、無法使用、中斷、錯誤或故障；及
any delay, unavailability, disruption, failure, error of or caused by HKICL FPS, or arising from any circumstances beyond our reasonable control; and

修訂後：

章節G 有關快速支付系統的銀行服務

5(b) 任何閣下用作登記賬戶綁定服務的識別代號必須符合結算公司不時施加的適用要求。例如，結算公司可要求登記作識別代號的流動電話號碼或電郵地址必須與閣下於相關時間在本公司紀錄上登記的聯絡資料相同。閣下明白並同意，本公司、其他參與者及結算公司有權及可酌情無需通知及閣下同意，取消任何根據可用資料屬不正確或非最新的識別代號的登記。
Any Proxy ID to be registered by you for the Addressing Service must satisfy any applicable requirements imposed by HKICL from time to time. For example, HKICL may require the mobile phone number or email address to be registered as Proxy ID to be the same number or address registered by you as contact information on our records at the relevant time. You understand and agree that we, other Participants and HKICL have the right and discretion without giving notice to deregister any Proxy ID that is not correct or up-to-date in accordance with available information without your consent.

5(h) 其他有關付款及資金轉賬的責任

(i) 在發出付款或交易的指示時，閣下同意採取合理可行的步驟以保障閣下自身的利益、資金及資產免受欺詐或其他非法活動的損害。閣下每次均有責任查證收款人實屬可靠並且交易實屬真確，以及作出明智的判斷。為協助閣下對欺詐、詐騙和欺騙活動保持警惕，本公司將根據從快速支付系統或香港警務處不時接收到的風險警告、訊息及指標發出風險警示。
(ii) 本公司將按本部份及現有條款下的適用條款處理閣下就銀行服務的任何指示。閣下須遵守其他有關付款、資金轉賬及直接付款授權的責任，包括但不限於在相關賬戶存有足夠資金用作不時結清付款及資金轉賬指示。

Other obligations regarding payments and funds transfers

(i) 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, we will send risk alerts based on the risk warnings, messages and indicators received by us from the Faster Payment System or Hong Kong Police Force from time to time.

(ii) Any instruction given by you in relation to the Bank Services will be handled by us in accordance with this Part and the applicable provisions in the Existing Terms. You have to comply with the other obligations with respect to payments, funds transfers and direct debit authorisations, including without limitation maintaining sufficient funds in the relevant accounts for settling payment and funds transfer instructions from time to time.

6(b)(ii)(2) 結算公司快速支付系統或快速支付系統的任何功能產生或引致的，或本公司可合理控製以外的情況引致的延誤、無法使用、中斷、錯誤或故障故障或錯誤，包括本公司從快速支付系統或香港警務處接收到有關懷疑欺詐、詐騙或欺騙的風險警告、訊息及指標的任何延誤或錯誤；及
any delay, unavailability, disruption, failure, error of or caused by HKICL FPS or any functionality of the Faster Payment System, or arising from any circumstances beyond our reasonable control, including any delay or error relating to the risk warnings, messages and indicators about suspected frauds, scams or deceptions received by us from the Faster Payment System or Hong Kong Police Force; and

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閣下可於本行網站獲取經修訂的條款版本詳情: 

登入網站後先選擇「個人銀行」> 「常用下載」> 「產品資訊」>「條款細則」

http://hk.cmbc.com.cn/usefulinfo/download/personal/personal/index.htm

請注意，如閣下在生效日或之後於本行繼續持有賬戶或使用本行服務，上述經修訂的條款即對閣下具約束力。如閣下拒絕接受該等修訂，閣下有權根據條款現有版本中的相關內容於生效日之前終止相關賬戶。

如閣下有任何疑問，請致電本行客服熱線（國內）95568 / (香港)852-25195568查詢。

中國民生銀行股份有限公司香港分行

2023年9月25日