Our Account Terms and Conditions (“Account Terms”) will be changed from 1 December 2016 onwards. Summary of affected areas as follows. Customers are advised to visit our website for details or ask for a copy of the new Account Terms from any of our branches:

- Revision to Clause A (4) on termination of foreign currency accounts.
- Revision to Clause A (4A) on Dormant Account and action on notification of death of Dormant Account holder.
- New Clause A (5B) provide new grounds for suspension of account.
- New Clause A (5A) on mental incapacity of individual account holder.
- New Clause A (6C) on mental incapacity of joint account holders.
- Revision to Clause C (2) to include indemnity by customer on Bank’s acceptance of cheques or instruments drawn to the order of third parties.
- Revision to Clause E (5A) on accrual of interest on monies placed in time deposit.
- The new Account Terms will apply to Smart Account. New Clause H on additional terms and conditions governing Smart Account.
- New Clause I on additional terms and conditions governing RMB account and related services.
- Additional terms and conditions governing electronic services re-numbered as Clause J.

This Notice is computer generated and does not require signature.