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The Notification for the Revision of HSBC Personal Internet Banking Date: 21 Dec 2012

Service Agreement

1. The amendment agreement will not take effective until Jan 8, 2013 (the “Effective Date’). Before Jan 8, 2013, the existing “Business Vantage Account Terms & Conditions” are still in effect and shall be applicable to the transactions done before this date.

2. According to HSBC Personal Internet Banking Service Agreement, HSBC shall announce such amendment or supplement at an obvious place on HSBC's website fourteen 14 days prior to the amendment date (the"Effective Date"). If you disagree with the amendment, you may notify HSBC to terminate this Agreement before the effective date by calling HSBC (Taiwan) Call Centre at (02) 8072-3000. If you fail to notify HSBC of the termination of this Agreement before the effective date, we will treat this as your consent to the new Agreement.

To assure your rights, please spare some time to read the details of the revision below. We thank you for your prompt attention to this matter. Thank you for your continued support.

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Original Terms and Conditions Revised Terms and Conditions

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1. Bank information:

A. Bank name: HSBC Bank (Taiwan) Limited in Taiwan (hereinafter referred to as "HSBC") B. Complaint and customer service hotline: 02-8072-3000 C. Website: www.hsbc.com.tw D. Address: 14F, No. 333, Keelung Road, Sec. 1, Hsinyi District, Taipei City 110 E. Fax No.: 02-66389388 F. Email: customervoicetwm@hsbc.com.tw

1. Scope and Application of the Agreement The Agreement governs the Service between the Customer and HSBC. Except as otherwise provided by any other specific agreement(s), the provisions of the Agreement shall apply. If the Agreement is considered incomplete, the provisions of the general agreement entered into between the parties and relevant laws and regulations of the Republic of China shall apply.

2. Scope of Application of the Agreement

A. This Agreement contains the general terms and conditions applicable to the Service provided by HSBC to you. Unless otherwise provided for by another contract, the use and operation of the Service by and between you and HSBC shall be governed by the terms and conditions as stipulated in this Agreement. B. Any individual contract shall not be in conflict with this Agreement, unless the individual contract is more favorable to customers.

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C. Any dispute over the terms and conditions herein shall be interpreted in favor of customers.

2. Definitions

A. "Internet Banking" shall mean the financial services provided by HSBC which the Customer may obtain/use through an internet connection between the parties without visiting HSBC's business place(s).

B. "Short Message Service" shall mean the financial message notifying services provided by HSBC through short message transmission to the Customer's mobile phone.

C. "Electronic Message" shall mean message(s) transmitted by either HSBC or the Customer through computers and the internet.

D. "Business Day": shall mean Monday through Friday, except for national holidays, holiday(s) announced by the government, and days on which HSBC is not providing services.

E. "Business Hours" shall mean 09:00 a.m. to 03:30 p.m. on each Business Day. HSBC may announce different Business Hours due to the characteristic of the services.

3. Definitions

A. “Internet Banking”: You may undertake banking activities or transactions directly with HSBC without going to the branches once your computer is connected with the computers of HSBC via the Internet.

B. “Short Message Service" shall mean the financial message notifying services provided by HSBC through short message transmission to the Customer's mobile phone.

C. “Electronic Message”: The logs sufficient to express the intent of HSBC or you as produced by HSBC or you for electronic processing based on the text, audio, picture, image, symbol or other information transmitted via Internet, in an electronic form, or in any other manner unidentifiable by others through personal perception.

D. "Business Day": shall mean Monday through Friday, except for national holidays, holiday(s) announced by the government, and days on which HSBC is not providing services.

E. "Business Hours" shall mean 09:00 a.m. to 03:30 p.m. on each Business Day. HSBC may announce different Business Hours due

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to the characteristic of the services.

F. "Transaction Data Signing": You have to input last 8 digital of beneficiary-account number into your Security Device to generate a security code to authorise your transfer transaction.

3. Commencement Website

A. Only HSBC bank account holders may apply for the Service. The Customer shall use an internet-connected computer to complete the on-line registration process and to activate the security device producer (an electronic device used to generate the security code, the"Security Device").

B. The Customer shall confirm the correct website address before commencing use of the Service. If the Customer has any question, the Customer may call the HSBC hotline 02-8072-3000.

4. Verification of Website

A. Before using the Service, please verify the uniform resource locator (URL) of the HSBC website; if you have any questions, please call HSBC Call Center at 02-8072-3000. B. HSBC shall perform the duty of care as a bona fide administrator to maintain the accuracy and safety of the website and also remain alert for the existence of any false HSBC website, to prevent your interests and rights from being damaged. C. HSBC shall advise you of the risk over the network bank’s application environment in a manner commonly known by the general public.

3. Commencement of Use

A. HSBC will act with the care of a good administrator, and, from time to time, pay attention to matters concerning counterfeiting of HSBC website.

5. Process of Activation and Service Items

A. HSBC will act with the care of a good administrator, and, from time to time, pay attention to matters concerning counterfeiting of HSBC website.

B. The services to be provided under this Agreement are specified as follows, provided that where the services shall be added or

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reduced upon determination of the competent authority or HSBC, the service items referred to in this Agreement shall be subject to those provided by HSBC. Where any relevant information is posted on the website, HSBC shall ensure the accuracy thereof and bear the obligation no less favorable than the contents of the website towards customers:

(a) Account summary

(b) Transfers

(c) My investment Portfoliot

(d) Term Deposit

(e) Rate Enquiry

(f) Services

(g) Statements / Advices

(h) Alert Services

(i) Other items approved by the competent authority or consented by HSBC

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6. Important Matters regarding Remittance, Transfer and

Other Permitted Transactions

A. Any and/or each remittance, transfer or other permitted transaction you process under the Service shall follow the Transaction Data Singing process and be subject to HSBC

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transaction amount limits of per transaction, per day and per month. HSBC reserves the right not to execute your transaction instruction or to cease the Service if your contemplated transaction amount exceeds any of the abovementioned limits, or if the balance in your account is insufficient for the contemplated transaction amount. B. HSBC may adjust the limits of per transaction, per day and per month at any time and announce such adjustments on the HSBC website.

4. Network Used for Connection

A. The parties agree to use the agreed internet for Electronic Message transmission.

B. Each party shall separately enter into an internet service agreement with the respective internet service provider with respect to its rights and obligations, and each party shall bear the costs of its own internet usage.

C. When using the Service for domestic or cross-border remittance or account-transfer, if there is any loss caused by circumstances which can be attributed to other banks or internet service providers, or by Internet disconnection due to the condition of the Customer’s computer, HSBC shall not be liable to pay compensation for any damages. However, HSBC agrees to provide necessary assistance.

7. Network Used for Connection

A. The parties agree to use the agreed internet for Electronic Message transmission.

B. Each party shall separately enter into an internet service agreement with the respective internet service provider with respect to its rights and obligations, and each party shall bear the costs of its own internet usage.

C. When using the Service for domestic or cross-border remittance or account-transfer, if there is any loss caused by circumstances which can be attributed to other banks or internet service providers, or by Internet disconnection due to the condition of the Customer’s computer, HSBC shall not be liable to pay compensation for any damages. However, HSBC agrees to provide necessary assistance.

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5. Receipt of, and Response to, Electronic Message

A. After the receipt of a digital signature or Electronic Message for the purpose of identifying the user, HSBC shall verify and handle each Electronic Message immediately, and notify the Customer of the results of such verification and handling.

B. Where the content of any Electronic Message from the other party cannot be determined, the Electronic Message shall be deemed not sent. However, if HSBC can determine the identity of the Customer, it shall notify the Customer of such fact.

C. If the Customer’s mobile phone is lost, stolen or any other similar situation exists, the Customer shall immediately notify HSBC to terminate the Short Message Service. If the Customer fails to do so and such leads to a failure of messages transmission, HSBC shall not be liable to pay compensation for any damages caused thereby.

8. Receipt of, and Response to, Electronic Message

A. Upon receiving the electronic documents for identification as agreed by you and HSBC, in addition to the inquired items, HSBC shall provide the webpage containing the important information in the electronic documents to you for reconfirmation, and proceed immediately with the verification and handling of such electronic messages, and shall notify you of the result of the verification and handling through electronic messages or phone call.

B. If the content of any electronic documents transmitted by HSBC to you or vice versa is indiscernible or unidentifiable, the transmission shall be deemed nonexistent ab initio. However, if HSBC can verify your identity, it shall immediately notify you of the fact of the indiscernibility of the content through electronic documents or phone call.

C. If the Customer’s mobile phone is lost, stolen or any other similar situation exists, the Customer shall immediately notify HSBC to terminate the Short Message Service. If the Customer fails to do so and such leads to a failure of messages transmission, HSBC shall not be liable to pay compensation for any damages caused thereby.

6. Non-execution of Electronic Message

A. If any of the following circumstances exists, HSBC may refuse to execute an instruction given through Electronic

9. Non-execution of Electronic Message

A. If there exist any of the following situations, HSBC may not perform your instructions, or in the event of any of the following

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Message or suspend the execution until the relevant situation ceases to exist: (a)If HSBC has reasonable doubt with respect to the authenticity of the Electronic Message or accuracy of the instructions; (b)The execution of the relevant instruction would violate relevant laws or regulations; (c)HSBC cannot successfully deduct the fees payable by the Customer from the Customer's account because of personal factors of the Customer.

B. If an Electronic Message cannot be executed normally for the reasons noted above, HSBC shall notify the Customer of the reasons and situations of such suspension or non-execution as soon as practicable. After receiving such notification, the Customer may, through telephone call, confirm the matter with HSBC.

situations, HSBC may suspend the performance of your instructions. (a)If HSBC acknowledges or reasonably doubts that you have acted against the internet security, or you are involved with any irregularity in the use of the Service; (b)If HSBC has reasonable doubt with respect to the authenticity of the Electronic Message or accuracy of the instructions; (c)The execution of the relevant instruction would violate relevant laws or regulations; (d)HSBC cannot successfully deduct the fees payable by the Customer from the Customer's account because of personal factors of the Customer.

B. If HSBC does not perform or chooses to suspend the instructions contained in the electronic documents, HSBC will immediately notify you of the reasons for such non-performance or suspension of performance and the situation thereof through electronic documents or phone call according to the contact means left by you. You may call HSBC for verification after receipt of the notice.

7. Time Limits for the Exchange of Electronic Messages

A. Electronic Messages are processed automatically by HSBC's computers. Once an Electronic Message has been transmitted to HSBC, such message cannot be revoked, cancelled or amended. However, if the instructed transaction is to be done at a specified future date, then such message

10. Time Limits for the Exchange of Electronic Messages

A. The electronic documents will be processed automatically by the computers of HSBC, and the electronic documents transmitted by you may not be withdrawn upon verification of the accuracy thereof by the re-check mechanism provided by HSBC. For the transactions yet to be performed, from the arrival of the electronic documents at

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may be revoked, cancelled or amended within the period agreed by HSBC.

B. If the Electronic Message arrives/is received after Business Hours, the processing of the transaction shall be suspended or automatically take place on the following Business Day and the Customer shall be notified through HSBC’s Electronic Message.

HSBC to the time of performance of such transactions, you may withdraw or modify the electronic documents as long as the time limit prescribed by HSBC has not expired.

B. If, after the electronic documents are transmitted to HSBC via the Internet, the time of processing the information goes beyond the Business Hours of HSBC (9:00AM~3:30PM), HSBC will immediately notify you of such situation through electronic documents or phone call, and the processing of the transaction will be postponed to the next Business Day, or agreed separately.

8. Service Fees

A. HSBC Personal Internet Banking Service Commencing on the date when the Customer begins to use the Service, the Customer shall pay fees according to HSBC's Tariff on Personal Banking Services and authorize HSBC to deduct such fees automatically from the Customer's account. If the Customer's account balance is insufficient, HSBC may suspend the provision of the Service. If there are any changes made to the existing fee schedule, HSBC shall announce the details of the changes at an obvious place on HSBC’s website at least thirty (30) days prior to the changes becoming effective and shall notify the Customer of such changes via electronic mail and inform the Customer that the Customer may terminate the Service within that period. If the Customer does not terminate the Service within such

11. Service Fees

A. HSBC Personal Internet Banking Service (a) You agree to pay the service fees, commission and postage according to the rate as agreed and to authorize HSBC to debit the same from your account automatically, as part of your use of the Service, provided that HSBC shall not charge any items not recorded. (b) Upon adjustment of the rate referred to in the preceding paragraph upon conclusion of this Agreement, if any, HSBC shall post the adjustment in a prominent manner on the Bank’s website, and inform you of the same via electronic documents or phone. (c) Where the fees are raised upon the adjustment referred to in Paragraph 2, HSBC shall enable you to choose whether you agree to the raise on the website. If you fail to show agreement to the raise prior to the effective date of adjustment, HSBC will suspend your network bank services, in whole or in part, as of the effective date

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period, the Customer shall be deemed to have agreed to the changes.

B. Short Message Service Short Message Service is, at present, provided to the Customer free of charge. However, charges may be levied by the Customer's mobile service provider if the Customer uses international roaming. The Customer shall be notified of any future changes made to the fee schedule for Short Message Service through short message(s). The Customers shall be deemed to have accepted the charges if it continues to use the Service after such notice.

C. Investment in Domestic and Foreign Mutual Funds through Non-discretionary Trust Commencing on the date when the Customer begins to use the Service, the Customer shall pay fees according to HSBC's Tariff on Unit Trust Service and authorize HSBC to deduct such fees automatically from the Customer's account. If the Customer's account balance is insufficient, HSBC may suspend the provision of the Service. The fees payable to HSBC by the Customer do not include taxes. If there is any tax payable, the Customer shall pay such tax separately and authorizes HSBC to deduct the tax amount from the Customer’s account.

of adjustment. Where you agree to the raise after the effective date of adjustment, HSBC shall resume the services to be rendered under this Agreement. (d) The publication and notice of the raise referred to in the preceding paragraph shall be made within 60 days prior to the effective date of adjustment, and the effective date of adjustment shall be no earlier than the same date of the following year after the publication and notice.

B. Short Message Service Short Message Service is, at present, provided to the Customer free of charge. However, charges may be levied by the Customer's mobile service provider if the Customer uses international roaming. The Customer shall be notified of any future changes made to the fee schedule for Short Message Service through short message(s). The Customers shall be deemed to have accepted the charges if it continues to use the Service after such notice.

C. Investment in Domestic and Foreign Mutual Funds through Non-discretionary Trust Commencing on the date when the Customer begins to use the Service, the Customer shall pay fees according to HSBC's Tariff on Unit Trust Service and authorize HSBC to deduct such fees automatically from the Customer's account. If the Customer's account balance is insufficient, HSBC may suspend the provision of the Service. The fees payable to HSBC by the Customer do not include taxes. If

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there is any tax payable, the Customer shall pay such tax separately and authorizes HSBC to deduct the tax amount from the Customer’s account.

9. The Installation and Risk of the Customer’s Software and

Hardware

A. The Customer shall install the required computer software, hardware and other security-related equipment in the Customer’s own computer. Any costs and risk relating to such installation shall be borne by the Customer.

B. If the above software, hardware and other related documents are provided by HSBC, the Customer may use same only within the service scope limits, and shall not transfer or by any other means provide same to any third party.

C. If the Customer violates HSBC’s or any third party’s intellectual property rights or other rights, or prejudices others by misappropriation, the Customer shall be responsible for any damages caused thereby.

D. If the computer operation requires installation of other software or hardware, and incorporates such other software or hardware with the software and hardware provided by HSBC, the Customer shall do so in accordance with the written requirements of HSBC for installation and shall bear all costs and risk.

12. The Installation and Risk of the Customer’s Software and

Hardware

A. The Customer shall install the required computer software, hardware and other security-related equipment in the Customer’s own computer. Any costs and risk relating to such installation shall be borne by the Customer.

B. If the above software, hardware and other related documents are provided by HSBC, the Customer may use same only within the service scope limits, and shall not transfer or by any other means provide same to any third party. HSBC shall also specify the minimum software/hardware requirements enabling the Service on the website and the packaging of the software/hardware provided by it, and shall bear the risk over the software/hardware provided by it. To provide more secure service, HSBC shall notify you in a conspicuous place on the HSBC website or other ways before upgrading software or hardware related equipment. If you can not follow HSBC's instruction for the upgrade, you may not be able to use this service.

C. If the Customer violates HSBC’s or any third party’s intellectual property rights or other rights, or prejudices others by

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misappropriation, the Customer shall be responsible for any damages caused thereby.

D. If the computer operation requires installation of other software or hardware, and incorporates such other software or hardware with the software and hardware provided by HSBC, the Customer shall do so in accordance with the written requirements of HSBC for installation and shall bear all costs and risk.

C. You shall return the equipment and related documents provided by HSBC immediately upon termination of this Agreement.

10. The Customer's Preparation for Connection and Liability

A. If HSBC and the Customer have so agreed, the connection may only be started after the required tests have been completed in coordination with HSBC.

B. The Customer shall preserve the user name, password, and security code (the Security Device) for the Service, and the required computer software, hardware and related documents provided by HSBC in the Customer’s custody and keep same confidential, and shall not disclose or provide same to any third party. The Customer shall not use common identifiers, such as a birthday, telephone numbers, vehicle numbers, etc, as the Customer’s security code, and shall not use the above for purposes irrelevant to the Agreement.

13. The Customer's Preparation for Connection and Liability

A. If HSBC and the Customer have so agreed, the connection may only be started after the required tests have been completed in coordination with HSBC.

B. The Customer shall preserve the user name, password, Security Device PIN and security code (the Security Device) for the Service, and the required computer software, hardware, and related documents provided by HSBC and any other tools sufficient to disclose one’s identity in the Customer’s custody and keep same confidential, and shall not disclose or provide same to any third party. The Customer shall not use common identifiers, such as a birthday, telephone numbers, vehicle numbers, etc, as the Customer’s security code, and shall not use the above for purposes

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C. If the Customer inputs the password incorrectly three times in a row, HSBC's computer will automatically stop the Customer's use of the Service. Under such circumstances, HSBC may consider the security code invalid and cancel the security code. If the Customer wishes to resume such use, the Customer shall submit an application to HSBC for a new password and/or Security Device. Prior to the resumption, the Service is not able to be provided to the Customer.

D. The Customer’s Internet banking username cannot be changed once it is registered. In the event that the Service has not been accessed/logged-in for 4 years, the Service shall be suspended. The Customer shall apply with the Bank to re-activate the Service.

E. The customer shall immediately return the equipment and related documents provided by HSBC upon termination of this Agreement.

irrelevant to the Agreement.

C. If the Customer inputs the password or Security Device PIN incorrectly three times in a row, HSBC's computer will automatically stop the Customer's use of the Service. Under such circumstances, HSBC may consider the security code invalid and cancel the security code. If the Customer wishes to resume such use, the Customer shall submit an application to HSBC for a new password and/or Security Device. Prior to the resumption, the Service is not able to be provided to the Customer.

D. The Customer’s Internet banking username cannot be changed once it is registered. In the event that the Service has not been accessed/logged-in for 4 years, the Service shall be suspended. The Customer shall apply with the Bank to re-activate the Service.

E. The customer shall immediately return the equipment and related documents provided by HSBC upon termination of this Agreement.

11. Transaction Checking

A. After completion of each instructed transaction, the result will be informed to the Customer by Electronic Message or other means agreed with HSBC. The Customer may also check the result through HSBC’s website. If there is any discrepancy, the Customer shall notify HSBC within forty five (45) days from the completion of Service use.

14. Transaction Checking

A. After completion of each instructed transaction, the result will be informed to the Customer by Electronic Message or other means agreed with HSBC. The Customer may also check the result through HSBC’s website. If there is any discrepancy, the Customer shall notify HSBC, via electronic documents or phone, within forty five (45) days from the completion of Service use.

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B. HSBC shall send the Customer a transaction statement by surface mail or the above agreed means monthly (the statement will not be sent if there is no transaction during the relevant month). After checking the statement, the Customer shall notify HSBC of any errors contained in the statement within forty five (45) days from receipt of the statement.

C. After receiving notification from the Customer, HSBC shall immediately proceed to investigate, and notify the Customer of the results within thirty (30) days from receipt of the Customer's notification.

B. HSBC shall send the Customer a transaction statement by electronic documents or in other manners as agreed between both parties monthly (the statement will not be sent if there is no transaction during the relevant month). After checking the statement, the Customer shall notify HSBC, via electronic documents or phone, of any errors contained in the statement within forty five (45) days from receipt of the statement.

C. After receiving notification from the Customer, HSBC shall immediately proceed to investigate, and notify the Customer of the results, in writing or via electronic documents or phone, or in any other manner agreed by both parties, within thirty (30) days from receipt of the Customer's notification.

12. Handling of Electronic Message Errors

A. If, when using the Service, an error occurs in an Electronic Message for a reason which is not attributable to the Customer, HSBC shall provide all necessary assistance.

B. If an error occurs for a reason which is attributable to HSBC, HSBC, when it becomes aware of such fact, shall immediately make correction, and notify the Customer by Electronic Message or by telephone.

15. Handling of Electronic Message Errors

A. If, when using the Service, an error occurs in an Electronic Message for a reason which is not attributable to the Customer, HSBC shall provide all necessary assistance.

B. If an error occurs for a reason which is attributable to HSBC, HSBC, when it becomes aware of such fact, shall immediately make correction, and notify the Customer by Electronic Message or by telephone.

C. Where the fund is transferred to another person's account in error, or the transferred amount is incorrect due to errors in the electronic

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documents attributed to you, such as incorrect financial organization code, account number or amount requested or transferred in as provided by you, when you use the Service, HSBC will take the following actions immediately upon receipt of your notice: (a) Provide the statement and relevant information about the transaction pursuant to the relevant laws; (b) Notify the transferee bank to provide assistance; (c) Provide feedback on the status.

13. Due Authorization and Liability for Electronic Messages

A. The parties shall ensure that all Electronic Message transmitted to the other party are lawfully authorized.

B. If either party discovers that a third party has made unauthorized use of, or has stolen, the Customer's user name, any kind of security code and/or private information etc., such party shall immediately notify the other party by Electronic Message or telephone to cease the use of the Service and to take precautionary measures.

C. HSBC shall be liable for the unauthorized use of the Service by a third party prior to HSBC’s receipt of the above notification unless HSBC can prove that such is due to the Customer’s willful misconduct or gross negligence.

16. Due Authorization and Liability for Electronic Messages

A. The parties shall ensure that all Electronic Message transmitted to the other party are lawfully authorized.

B. If either party discovers that a third party has made unauthorized use of, or has stolen, the Customer's user name, any kind of security code and/or private information etc., such party shall immediately notify the other party by Electronic Message or telephone to cease the use of the Service and to take precautionary measures.

C. Before receipt of the notice referred to in the preceding paragraph, HSBC shall still be liable for the transactions conducted by the third party by using the Service, unless any of the following conditions is met: (a) Where HSBC can prove that the transaction is conducted by you

intentionally or negligently; (b) Where 45 days elapse after HSBC notes the verified data or

debit note in the manner as agreed by both parties, unless

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errors result from HSBC’s intention or negligence within 45 days upon any special cause resulting in your failure to send a notice (e.g. long-distance travel or hospitalization).

D. The appraisal expenses arising from the investigation on the misuse or misappropriation referred to in Paragraph 2 shall be borne by HSBC.

14. Security of Information

A. The parties shall respectively ensure the security of Electronic Messages, and prevent any illegal access to the system, theft, falsification or destruction of business records and information.

B. If there is a dispute as to whether there has been unlawful decoding of the protection measures or use of the system, HSBC shall bear the burden of proving the non existence of the above. HSBC shall be liable for any loss arising from the invasion of HSBC’s computer system or relevant equipment by any hacker.

17. Security of Information System

A. The parties shall respectively ensure the security of Information System, and prevent any illegal access to the system, theft, falsification or destruction of business records and your personal information.

B. If there is a dispute as to whether there has been unlawful decoding of the protection measures or use of the system, HSBC shall bear the burden of proving the non existence of the above.

C. HSBC shall be liable for any loss arising from the invasion of HSBC’s computer system or relevant equipment by any hacker.

15. Obligation to Maintain Confidentiality

A. Unless otherwise provided by other laws, the parties shall ensure that any exchanged Electronic Messages or information obtained from the other party by using or providing the Service is not disclosed to any third party, or used for any purpose irrelevant to this Agreement. If such

18. Obligation to Maintain Confidentiality

A. Unless otherwise provided for in law, the electronic documents exchanged or your data obtained by the use of or the performance of the Service stipulated in this Agreement shall not be disclosed to a third party or used for purposes irrelevant to this Agreement. If disclosure of the electronic messages to a third party is permitted by

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information is disclosed to a third party with consent of the other party, such third party shall be required to bear the obligation to maintain confidentiality in accordance with this article. The obligation to maintain confidentiality shall survive the termination of the Agreement.

B. If any third party fails to maintain confidentiality in accordance with the preceding paragraph, it will be deemed as breach of the disclosing party’s obligation.

you, the third party shall also maintain the confidentiality stipulated in this Agreement.

B. If any third party fails to maintain confidentiality in accordance with the preceding paragraph, it will be deemed as breach of the disclosing party’s obligation.

16. Liability for Damages If any delay, omission or error in transmitting or receiving of Electronic Message leads to damages attributed to a party, that party shall be liable for the actual damages suffered by the other party and interest accrued thereon. HSBC shall be liable for the damages the Customer actually suffered due to the intentional or negligent acts of HSBC’s agent or any person performing the obligation on behalf of HSBC.

16. Liability for Damages If any delay, omission or error in transmitting or receiving of Electronic Message leads to damages attributed to a party, that party shall be liable for the actual damages suffered by the other party and interest accrued thereon. HSBC shall be liable for the damages the Customer actually suffered due to the intentional or negligent acts of HSBC’s agent or any person performing the obligation on behalf of HSBC.

17. Force Majeure Each party shall be liable for the damages resulting from failure or delay of performance except where such is due to force majeure.

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18. Preservation of Records

A. The parties shall retain records of all Electronic Messages that are instructions, and shall ensure the authenticity and completeness of such records.

B. HSBC shall act with the care of a good administrator. Records shall be preserved for at least five (5) years.

20. Preservation of Records

A. The parties shall retain records of all Electronic Messages that are instructions, and shall ensure the authenticity and completeness of such records.

B. HSBC shall act with the care of a good administrator. Records shall be kept for a period of more than five years, or a longer period defined by other laws, if any.

19. Effect of Electronic Message The effect of Electronic Message exchanged hereunder shall be the same as a written document.

21. Effect of Electronic Message

HSBC and you agree to express each other’s intent via electronic documents, and also agree that the electronic documents exchanged under this Agreement shall have the same validity as that of written documents, unless otherwise provided by laws.

20. Termination By the Customer The Customer may terminate the Agreement at any time. However, the Customer shall do so either in person or by other agreed means.

22. Termination By the Customer

A. Unless otherwise provided for in this Agreement, you may terminate this Agreement at any time; provided, however, that you shall deal with the relevant termination procedures in person, in writing, or in other manners as agreed upon by both parties. B. This Agreement shall be terminated simultaneously with the termination of the HSBC General Agreement for Accounts and Services, if any.

21. Termination By HSBC 23. Termination By HSBC

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If HSBC wishes to terminate the Agreement, HSBC shall give the Customer a written notice at least thirty (30) days prior to the termination. However, if any of the following occurs to the Customer, HSBC may terminate the Agreement immediately at any time by giving written notice or notice by other agreed means:

A. The Customer assigns the Customer’s rights or obligations hereunder to any third party without HSBC's consent;

B. The Customer is declared insolvent or required to undergo corporate reorganization by court order;

C. The Customer violates any of Articles 13 through 15 of the Agreement; and/or

D. The Customer violates any other provision of the Agreement, and fails to ratify such violation after receiving notice of improvement or notice to perform its obligations within a specified time limit.

If HSBC wishes to terminate the Agreement, HSBC shall give the Customer a written notice at least thirty (30) days prior to the termination. However, if any of the following occurs to the Customer, HSBC may terminate the Agreement immediately at any time by giving written notice or notice by other agreed means:

A. The Customer assigns the Customer’s rights or obligations hereunder to any third party without HSBC's consent;

B. where you declare bankruptcy pursuant to the Bankruptcy Act or petition for rehabilitation or liquidation procedure pursuant to the Liquidation of Consumers Insolvency Act

C. The Customer violates any of Articles 14 through 16 of the Agreement; and/or

D. The Customer violates any other provision of the Agreement, and fails to ratify such violation after receiving notice of improvement or notice to perform its obligations within a specified time limit.

22. Amendment

A. With respect to any amendment or supplement provided for elsewhere in this Agreement, HSBC shall announce such amendment or supplement at an obvious place on HSBC's website fourteen (14) days prior to the amendment date

24 : Amendments to or Addition/Deletion of this Agreement

HSBC shall announce the content of amendments to or addition/deletion of this Agreement in a conspicuous place on the HSBC website, or notify you of the amendments or addition/deletion in writing or via email. You failure to dispute the

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(the"Effective Date") and notify the Customer of such amendment or supplement via electronic mail and inform the Customer that the Customer may terminate the Agreement before the Effective Date.If the Customer fails to terminate before the Effective Date, the Customer shall be deemed to have agreed to the relevant amendments and/or supplements.

B. If the Customer does not agree to any given revision made by HSBC, the Customer may terminate the Agreement by written notice given at any time within the period from the day of receiving the announcement to one day (24:00) prior to the Effective Date and by following termination procedures. If the Customer does not notify HSBC of termination before the Effective Date and continues to use the Service, the Customer shall be deemed to have agreed to the revisions.

same within 7 days upon receipt of the notice shall constitute your acknowledgement of the amended or added/deleted provision. Notwithstanding, the following changes shall be announced in a conspicuous place on the HSBC website within 60 days prior to the changes, or notified to you in writing or via email, and such announcement, written form or email shall expressly state the changes, and the new and old provisions, and shall advise you that you may dispute the changes prior to effective date of the changes and your failure to dispute the changes within the given time limit shall constitute your acknowledgment of the amended or added/deleted provision. Where you have any objection, you shall notify HSBC to terminate this Agreement within the time limit specified in the preceding paragraph, and work with HSBC to terminate this Agreement:

(a) Changes in the manner in which HSBC or you notify the other party of any third party’s misuse or misappropriation of the user name and password, or any other unauthorized access;

(b) Changes in other requirements defined by the competent authority.

23. Delivery of Documents The address of the Customer provided to HSBC on the account opening application form or change of Customer data application form shall be the address for delivery of relevant documents. If there is any change in the Customer's address, the Customer shall immediately notify HSBC, either in writing or by other means

25. Delivery of Documents

Where HSBC is required to send you a written notice, you agree that the notice shall be served to the address specified in your application form for opening an account at HSBC. The change of your address, if any, shall be notified to HSBC in writing or in any other manner as agreed, and you agree that the relevant instruments

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agreed by HSBC; the Customer agrees that the modified address shall then be used as the address for delivery of relevant documents. If the Customer does not notify HSBC of a change of address, either in writing or by using other agreed means, HSBC may continue to use the address provided on the account opening application form or the latest address given to HSBC as the address for delivery. A notice sent to the Customer by HSBC shall be presumed to have been received after the period of time normally required for delivery has elapsed.

shall be served to the changed address. Where you fail to notify HSBC of the change of address in writing or in the agreed manner, HSBC will serve the instrument to the address specified in your application form for opening an account or the latest address notified to HSBC. The notice sent by HSBC to you shall be deemed served legally upon expiration of the general mailing period.

25. Governing Law and Jurisdiction Any dispute or lawsuit arising from or in connection with the Agreement shall be governed by, and construed in accordance with, the laws of the R.O.C. and normal banking customs. The parties hereto agree that Taipei District Court shall be the court of first instance for any disputes arising with respect to the Agreement; provided that application of Article 47 of Consumer Protection Law, or Article 436-9 of Taiwan Code of Civil Procedure shall not be precluded.

26. Governing Law and Jurisdiction Any dispute or lawsuit arising from or in connection with the Agreement shall be governed by, and construed in accordance with, the laws of the R.O.C. and normal banking customs. The parties hereto agree that Taipei District Court shall be the court of first instance for any disputes arising with respect to the Agreement; provided that application of Article 47 of Consumer Protection Law, or Article 436-9 of Taiwan Code of Civil Procedure shall not be precluded.

26. Headings The headings used in the Agreement are for reference purposes only and shall not affect the interpretation, explanation or understanding of the Agreement.

27. Headings The headings used in the Agreement are for reference purposes only and shall not affect the interpretation, explanation or understanding of the Agreement.

27. Translations and Keeping of the Agreement

A. The Agreement is executed in both English and Chinese. In case of any discrepancy between the English and the

28. Translations and Keeping of the Agreement

A. The Agreement is executed in both English and Chinese. Please note that any discrepancy between the English and the Chinese

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Chinese versions, the Chinese version shall prevail. B. The Customer may access the website to print the agreement

and keep a copy; however, the edition shown on the website shall be the final version.

versions, the Chinese version shall prevail.

B. The Customer may access the HSBC website to print the agreement and keep a copy; however, the edition shown on the website shall be the final version.

24. The Handling and Use of Information HSBC, HSBC’s interbank associates, correspondent banks, the Joint Credit Information Center, relevant credit bureaus, government organizations, HSBC’s affiliates, HSBC’s merchant or authorized third parties may in accordance with relevant regulations collect, computer process (including by an outsourced third party), use and internationally transmit the Customer’s personal information when handling account opening applications, credit enquiry, examination of qualification, Electric Messages, and any other matters relating to HSBC’s general agreement. HSBC and the above mentioned other parties are authorized to determine whether a permitted purpose continues to exit. The above shall not be revoked and affected by the termination of this agreement.

Delete

Nil Add

29 : Miscellaneous The relevant laws and regulations, general banking practice, the HSBC General, Premier and Advance Agreement for Accounts and Services, and other relevant agreements shall apply to the matters not fully provided for in this Agreement.