u.s. dollar account agreement 美元帳戶協議書 · 2 any interpretation of the language in this...
TRANSCRIPT
October 2018 2018年10月
U.S. Dollar Account Agreement 美元帳戶協議書
2
Any interpretation of the language in this agreement is governed by the English version.
Charles Schwab, Hong Kong, Ltd. is registered with the Securities and Futures Commission (“SFC”) to carry out the regulated activities in dealing in securities and advising on securities under registration CE number ADV256.
Contents
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . 8
Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . .8
ACCOUNT AGREEMENT . . . . . . . . . . . . . . . . 10
Provision of Services . . . . . . . . . . . . . . . . . . .10
Risk Disclosure Statement . . . . . . . . . . . . . . .10
Account Minimums, Commissions and Fees . .10
Rules and Regulations . . . . . . . . . . . . . . . . . .12
Use of Account . . . . . . . . . . . . . . . . . . . . . . .12
Full Payment Before Order; Payment, Equity Deposit, Settlement and Liquidation . . . . . . .12
Custody of Securities and Other Property . . . .14
Float Disclosure . . . . . . . . . . . . . . . . . . . . . .14
Payment of Indebtedness . . . . . . . . . . . . . . .16
Security for Indebtedness . . . . . . . . . . . . . . .16
Remittance . . . . . . . . . . . . . . . . . . . . . . . . . .18
When Check Deposits Are Available for Withdrawal or Transfer . . . . . . . . . . . . . . . . . .18
Corporate Actions . . . . . . . . . . . . . . . . . . . . .18
WIRE TRANSFERS . . . . . . . . . . . . . . . . . . . . 18
Sending Wire Transfers . . . . . . . . . . . . . . . . .18
Terms Applicable to Sending U.S. Domestic Wire Transfers and Non-Consumer Foreign (non-U.S.) Wire Transfers . . . . . . . . . .22
Terms Applicable to Certain Consumer Foreign (non-U.S.) Wire Transfers . . . . . . . . . .22
What to do if you think there has been an error or problem with your consumer foreign (non-U.S.) wire transfer . . . . . . . . . . . .22
What to do if you want to cancel a consumer foreign (non-U.S.) wire transfer . . . .24
Receiving Transfers . . . . . . . . . . . . . . . . . . . .24
ACH Provisional Payment Rule . . . . . . . . . . . .24
Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
Compliance With Rules and Laws . . . . . . . . . .24
Your Responsibility Concerning the Buy, Sale, Transfer or Deposit of Control, Restricted, or Unregistered Securities . . . . . .24
Your Responsibilities for Understanding Terms of Securities . . . . . . . . . . . . . . . . . . . .26
Accuracy of Account Information . . . . . . . . . .28
Joint Accounts . . . . . . . . . . . . . . . . . . . . . . . .28
Termination . . . . . . . . . . . . . . . . . . . . . . . . . .28
Approval of Application, Credit Verification and Account Information . . . . . . . . . . . . . . . .28
Account Control Certifications . . . . . . . . . . . .30
Losses Due to Extraordinary Events . . . . . . . .30
Order Routing and Execution . . . . . . . . . . . . .30
Extended Hours Trading Session . . . . . . . . . .30
Order Types . . . . . . . . . . . . . . . . . . . . . . . . . .32
Order Prices . . . . . . . . . . . . . . . . . . . . . . . . .32
Maximum Share Sizes . . . . . . . . . . . . . . . . . .32
Extended Hours Trading Session Disclosure . . . . . . . . . . . . . . . . . . . .32
Appropriateness of Extended Hours Trading . . . . . . . . . . . . . . . . . . . . . . . .32
Potential Changes to Extended Hours Trading . . . . . . . . . . . . . . . . . . . . . . . .32
Clearly Erroneous Policy . . . . . . . . . . . . . . . . .34
Electronic Services Agreement and Use Agreement . . . . . . . . . . . . . . . . . . . . . . .34
Processing and Execution of Electronic Transactions . . . . . . . . . . . . . . . . .34
Mutual Fund Fees, Orders, Distributions and Redemptions . . . . . . . . . . . . . . . . . . . . .34
Notification . . . . . . . . . . . . . . . . . . . . . . . . . .36
Confirmations and Statements . . . . . . . . . . .36
Consent to Electronic Delivery of Records and Regulatory Information . . . . . . . . . . . . . .36
Telephone Monitoring . . . . . . . . . . . . . . . . . .38
Cash-in-Lieu Payments . . . . . . . . . . . . . . . . .38
Interest, Dividend, and Other Payments . . . . .38
Backup Withholding . . . . . . . . . . . . . . . . . . . .38
Trading or Disbursement Restrictions . . . . . . .38
Unclaimed Property . . . . . . . . . . . . . . . . . . . .38
3
內容
簡介. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
定義. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
帳戶協議. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
提供服務. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
風險披露聲明. . . . . . . . . . . . . . . . . . . . . . . . . . . 11
帳戶之最低存款、佣金及費用. . . . . . . . . . . . . . 11
規則及規例. . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
帳戶的使用. . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
買賣指示之繳足款項;付款、股票存放、.結算及平倉. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
保管證券及其他財產. . . . . . . . . . . . . . . . . . . . . 15
帳戶流動結餘聲明. . . . . . . . . . . . . . . . . . . . . . . 15
支付債項. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
債項擔保. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
匯款. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
支票存款何時可供提取或轉帳. . . . . . . . . . . . . . 19
公司行動. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
電匯轉帳. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
發出電匯轉帳. . . . . . . . . . . . . . . . . . . . . . . . . . . 19
適用於發出美國本地電匯轉帳及非消費.者外國(非美國).電匯轉帳之條款 . . . . . . . . . . . . 23
適用於某些消費者外國(非美國)電匯轉.帳的條款. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
若閣下認為您的消費者外國.(非美國)..電匯轉帳出現錯誤或問題，應該如何處理. . . . . . 23
若閣下欲取消消費者外國.(非美國)..電匯轉帳，應該如何處理. . . . . . . . . . . . . . . . . . 25
接收轉帳. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
ACH臨時付款規則. . . . . . . . . . . . . . . . . . . . . . . 25
責任. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
遵從規則及法例. . . . . . . . . . . . . . . . . . . . . . . . . 25
閣下就購買、出售、轉讓、存入受管制、.受限制或非註冊證券之責任. . . . . . . . . . . . . . . . 25
閣下理解證券條款的責任. . . . . . . . . . . . . . . . . 27
帳戶資料的準確性. . . . . . . . . . . . . . . . . . . . . . . 29
聯名帳戶. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
終止. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
批准申請、信貸核實及帳戶資料. . . . . . . . . . . . . 29
帳戶管制證明書. . . . . . . . . . . . . . . . . . . . . . . . . 31
因特殊事故而招致之損失. . . . . . . . . . . . . . . . . . 31
買賣指示傳遞及執行. . . . . . . . . . . . . . . . . . . . . 31
延長交易時段. . . . . . . . . . . . . . . . . . . . . . . . . . . 31
買賣指示類型. . . . . . . . . . . . . . . . . . . . . . . . . . . 33
買賣指示價格. . . . . . . . . . . . . . . . . . . . . . . . . . . 33
最高股數. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
延長交易時段披露聲明. . . . . . . . . . . . . . . . . . . 33
延長交易時段的適合性. . . . . . . . . . . . . . . . . . . 33
延長交易時段被更改的可能性. . . . . . . . . . . . . . 33
對明顯錯誤採取之政策. . . . . . . . . . . . . . . . . . . 35
電子服務協議及使用協議. . . . . . . . . . . . . . . . . . 35
電子交易處理及執行. . . . . . . . . . . . . . . . . . . . . 35
互惠基金的費用、訂單、分派及贖回. . . . . . . . . . 35
通知. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
確認書及結單. . . . . . . . . . . . . . . . . . . . . . . . . . . 37
同意用電子方式傳遞記錄和監管資料. . . . . . . . . 37
電話監控. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
以現金替代股份. . . . . . . . . . . . . . . . . . . . . . . . . 39
利息、股息及其他收入支付. . . . . . . . . . . . . . . . 39
備用預扣稅. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
買賣或付款限制. . . . . . . . . . . . . . . . . . . . . . . . . 39
無人認領之產業. . . . . . . . . . . . . . . . . . . . . . . . . 39
本協議的詮釋以英文版為準。
嘉信理財香港有限公司於香港證券及期貨事務監察委員會(「證監會」)註冊進行證券交易並就證券提供.意見的受規管活動，其中央編號為.ADV256。
4
Account Denominated in U.S. Dollars; Administration of Foreign Currency Conversion Transactions . . . . . . . . . . . . . . . .40
Residency Status . . . . . . . . . . . . . . . . . . . . .42
Mutual Fund Certifications . . . . . . . . . . . . . . .42
Limitation of Liability . . . . . . . . . . . . . . . . . . .44
Continuing Effect of Authorization; Termination . . . . . . . . . . . . . . . . . . . . . . . . . .44
The Schwab Privacy Policy: A Commitment to Your Privacy . . . . . . . . . . . .44
How We Collect Information About You . . . . . .44
How We Share and Use Information About You Within the Schwab Family of Companies . . . . . . . . . . . . . . . . . . . . . . . .46
How We Share Information About You Outside of the Schwab Family of Companies . . . . . . . . . . . . . . . . . . . . . . . .46
Use and Provision of Personal Information for Use in Direct Marketing . . . . . . . . . . . . . .48
How to Limit the Sharing and Use of Information About You . . . . . . . . . . . . . . . . . .48
Transfer of Personal Information Outside HKSAR . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50
Company Mailing Choice . . . . . . . . . . . . . . . .50
Access to Your Personal Information . . . . . . .50
Safeguarding Your Information, Maintaining Your Trust . . . . . . . . . . . . . . . . . .50
Greater Accuracy Means Better Protection . . .50
A Commitment to Keeping You Informed . . . . .50
Contact Us With Questions . . . . . . . . . . . . . .50
Non-Publicly Traded Securities and Worthless or Non-Transferable Securities . . . .50
Valuing Non-Publicly Traded Securities on Statements . . . . . . . . . . . . . . . . . . . . . . .54
Removal of Non-Publicly Traded Securities From Your Account . . . . . . . . . . . . . . . . . . . . .54
SIPC Coverage . . . . . . . . . . . . . . . . . . . . . . . .56
Worthless and Non-Transferable Securities . .56
Liability of Schwab Hong Kong . . . . . . . . . . . .56
Complaints . . . . . . . . . . . . . . . . . . . . . . . . . .56
Disputes . . . . . . . . . . . . . . . . . . . . . . . . . . . .58
Disputes With Charles Schwab & Co., Inc. . . .62
Arbitration Agreement . . . . . . . . . . . . . . . . . .62
Waiver of Class Action or Representative Action . . . . . . . . . . . . . . . .66
Breach or Default . . . . . . . . . . . . . . . . . . . . .66
Assignment . . . . . . . . . . . . . . . . . . . . . . . . . .66
Governing Law . . . . . . . . . . . . . . . . . . . . . . . .66
Rights of Third Parties . . . . . . . . . . . . . . . . . .66
Separability . . . . . . . . . . . . . . . . . . . . . . . . . .66
Notice Regarding Clearing Arrangement . . . . .66
Entire Agreement, Amendment and Waiver . . . . . . . . . . . . . . . . . . . . . . . . . .66
SIPC Protection . . . . . . . . . . . . . . . . . . . . . . .68
Electronic Copies . . . . . . . . . . . . . . . . . . . . . .68
Non-Face-to-Face Account Opening for Individuals . . . . . . . . . . . . . . . . . . . . . . . .68
Suitability . . . . . . . . . . . . . . . . . . . . . . . . . . .70
DIVIDEND REINVESTMENT . . . . . . . . . . . . . 70
Provision of Dividend Reinvestment . . . . . . . .70
Eligible Securities . . . . . . . . . . . . . . . . . . . . .70
Eligible Cash Distributions for Reinvestment . .70
Dividend Reinvestment Transactions in Eligible Securities . . . . . . . . . . . . . . . . . . .70
Partial Shares . . . . . . . . . . . . . . . . . . . . . . . .72
Optional Dividends . . . . . . . . . . . . . . . . . . . .72
Confirmations and Statements . . . . . . . . . . .72
Continuing Effect of Authorization; Termination . . . . . . . . . . . . . . . . . . . . . . . . . .72
Automatic Dividend Reinvestment Transactions in The Charles Schwab Corporation Stock . . . . . . . . . . . . . . . . . . . . . 74
SWEEP FUNDS . . . . . . . . . . . . . . . . . . . . . . 74
ELECTRONIC SERVICES AGREEMENT . . . . . 76
Use of Electronic Services . . . . . . . . . . . . . . .76
Risks of Electronic Trading . . . . . . . . . . . . . . .78
Urgent Notification. . . . . . . . . . . . . . . . . . . . .78
Fast and Volatile Market Conditions . . . . . . . .78
Financial Market Information: Limited Warranty . . . . . . . . . . . . . . . . . . . . . .78
5
美元為貨幣單位之帳戶.; 外幣兌換交易之管理. . . . 41
駐居地位. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
互惠基金證明. . . . . . . . . . . . . . . . . . . . . . . . . . . 43
法律責任的限制. . . . . . . . . . . . . . . . . . . . . . . . . 45
授權之持續效力及終止. . . . . . . . . . . . . . . . . . . 45
嘉信理財個人資料私隱政策.: 保障您私隱的承諾. . . . . . . . . . . . . . . . . . . . . . . 45
我們如何收集您的資料. . . . . . . . . . . . . . . . . . . 45
我們如何在嘉信理財旗下公司內分享及使.用您的個人資料. . . . . . . . . . . . . . . . . . . . . . . . . 47
我們如何在嘉信理財旗下公司以外分享您的.個人資料. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
作直接促銷用途的個人資料的使用及條款. . . . . 49
如何限制分享及使用您的個人資料. . . . . . . . . . . 49
在香港特別行政區以外的個人資料傳送. . . . . . . 51
公司郵件選擇. . . . . . . . . . . . . . . . . . . . . . . . . . . 51
取覽您的個人資料. . . . . . . . . . . . . . . . . . . . . . . 51
保障您的個人資料，維護您的信賴. . . . . . . . . . . 51
資料準確，帳戶更有保障. . . . . . . . . . . . . . . . . . 51
承諾為您提供最新資料. . . . . . . . . . . . . . . . . . . 51
如有問題，歡迎隨時聯絡我們. . . . . . . . . . . . . . . 51
非公開交易證券及無價值或不能轉讓證券. . . . . 51
結單上的非公開交易證券估值. . . . . . . . . . . . . . 55
從您的帳戶移走非公開交易證券. . . . . . . . . . . . 55
美國證券投資者保障公司.(SIPC) 保障. . . . . . . . 57
無價值及不能轉讓證券. . . . . . . . . . . . . . . . . . . 57
香港嘉信理財的責任. . . . . . . . . . . . . . . . . . . . . 57
投訴. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
糾紛. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
與嘉信理財公司之糾紛. . . . . . . . . . . . . . . . . . . 63
仲裁協議. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63
放棄集體訴訟或代表訴訟 .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . 67
違約或失責. . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
轉讓. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
規管法律. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
第三方權利. . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
可分割性. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
結算安排通知. . . . . . . . . . . . . . . . . . . . . . . . . . . 67
整份協議、修訂及豁免. . . . . . . . . . . . . . . . . . . . 67
證券投資者保障公司之保障. . . . . . . . . . . . . . . . 69
電子備份. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69
非親身開立個人帳戶. . . . . . . . . . . . . . . . . . . . . 69
適合性. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71
股息再投資 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71
股息再投資條款. . . . . . . . . . . . . . . . . . . . . . . . . 71
合資格證券. . . . . . . . . . . . . . . . . . . . . . . . . . . . 71
合資格現金分派以作再投資. . . . . . . . . . . . . . . . 71
合資格證券之股息再投資交易. . . . . . . . . . . . . . 71
非整數股份. . . . . . . . . . . . . . . . . . . . . . . . . . . . 73
可選擇之股息. . . . . . . . . . . . . . . . . . . . . . . . . . . 73
確認書及帳戶單. . . . . . . . . . . . . . . . . . . . . . . . . 73
授權之持續效力及終止. . . . . . . . . . . . . . . . . . . 73
嘉信理財集團證券之自動股息再投資交易. . . . . 75
流動資金 (“SWEEP FUNDS”) . . . . . . . . . . . . . . 75
電子服務協議. . . . . . . . . . . . . . . . . . . . . . . . . . . 77
使用電子服務. . . . . . . . . . . . . . . . . . . . . . . . . . . 77
電子交易的風險. . . . . . . . . . . . . . . . . . . . . . . . . 79
緊急通知.(“Urgent Notification”). . . . . . . . . . . 79
速動市場及反覆之市況. . . . . . . . . . . . . . . . . . . 79
金融市場資料.: 有限保証. . . . . . . . . . . . . . . . . . . 79
6
Limitations of Liability . . . . . . . . . . . . . . . . . .80
Proprietary Information . . . . . . . . . . . . . . . . .80
Use of Quotes . . . . . . . . . . . . . . . . . . . . . . . .80
No Legal or Tax Advice . . . . . . . . . . . . . . . . . .80
Research Reports . . . . . . . . . . . . . . . . . . . . .82
Access, Passwords and Security . . . . . . . . . .82
Data Transmission . . . . . . . . . . . . . . . . . . . . .82
Subscription, Service, Use Fees . . . . . . . . . . .82
Account Restrictions . . . . . . . . . . . . . . . . . . .84
Indemnification . . . . . . . . . . . . . . . . . . . . . . .84
Our Ability to Suspend or Terminate Electronic Services . . . . . . . . . . . . . . . . . . . .84
Electronic Communications . . . . . . . . . . . . . .84
General . . . . . . . . . . . . . . . . . . . . . . . . . . . . .86
Modifications . . . . . . . . . . . . . . . . . . . . . . . .86
Investment Advice . . . . . . . . . . . . . . . . . . . . .86
THIRD-PARTY BENEFICIARIES. . . . . . . . . . . 88
AUSTRALIA DISCLOSURE . . . . . . . . . . . . . . 90
SCHEDULE 1 — RISK DISCLOSURE STATEMENTS. . . . . . . . . . . . . . . . . . . . . . . . 90
Risk of Securities Trading . . . . . . . . . . . . . . .90
Risk of Short Sales . . . . . . . . . . . . . . . . . . . .90
Risks of Client Assets Received or Held Outside Hong Kong . . . . . . . . . . . . . .90
ACKNOWLEDGMENT OF OBLIGATIONS AND RISKS OF INVESTING IN GLOBAL SECURITIES TRADED ON FOREIGN EXCHANGES . . . . . . . . . . . . . . . . . 90
Tax Reporting and Other Potential Tax-Related Consequences . . . . . . . . . . . . . .90
Potential Trading and Ownership Restrictions Applicable to Global Securities . . . . . . . . . . . .92
YOUR BROKERAGE ACCOUNT AT CHARLES SCHWAB, HONG KONG, LTD. AND THE CLEARING & ORDER SERVICES PROVIDED BY CHARLES SCHWAB & CO., INC. . . . . . . . 92
Opening, Approving and Monitoring Your Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . .92
Extension of Credit to Purchase Securities . . .92
Your Account Records, Statements and Confirms. . . . . . . . . . . . . . . . . . . . . . . . .94
Receipt and Delivery of Funds and Securities . . . . . . . . . . . . . . . . . . . . . . . .94
Safeguarding of Funds and Securities . . . . . .94
Acceptance of Orders and Execution of Transactions . . . . . . . . . . . . . . . . . . . . . . .94
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法律責任之限制. . . . . . . . . . . . . . . . . . . . . . . . . 81
資料所有權 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81
報價的使用. . . . . . . . . . . . . . . . . . . . . . . . . . . . 81
無法律或稅務意見. . . . . . . . . . . . . . . . . . . . . . . 81
研究報告. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83
接達、密碼及安全性. . . . . . . . . . . . . . . . . . . . . . 83
資料傳送. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83
參加費、服務費、使用費. . . . . . . . . . . . . . . . . . . 83
帳戶限制. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
彌償. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
我方暫停或終止電子服務的能力. . . . . . . . . . . . 85
電子通訊. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85
一般事項. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87
修訂. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87
投資顧問. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87
第三方受益人. . . . . . . . . . . . . . . . . . . . . . . . . . . 89
澳洲披露聲明. . . . . . . . . . . . . . . . . . . . . . . . . . . 91
附件1 — 風險披露聲明 . . . . . . . . . . . . . . . . . . . 91
證券交易的風險. . . . . . . . . . . . . . . . . . . . . . . . . 91
沽空的風險 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91
香港以外地方收取或持有的客戶資產風險. . . . . 91
確認投資於在外國交易所買賣的環球證券的 責任及風險 . . . . . . . . . . . . . . . . . . . . . . . . . . . . 91
報稅及其他潛在稅務相關後果. . . . . . . . . . . . . . 91
適用於環球證券之潛在交易及擁有權限制. . . . . 93
您於嘉信理財香港有限公司開立的經紀戶.口及嘉信理財公司提供的結算及買賣盤服務. . . 93
開立、批核及監察閣下之帳戶. . . . . . . . . . . . . . . 93
增加信貸以買入證券. . . . . . . . . . . . . . . . . . . . . 93
閣下的帳戶紀錄、結單及確認書. . . . . . . . . . . . . 95
資金和證券之收取及交付. . . . . . . . . . . . . . . . . . 95
資金及證券保障. . . . . . . . . . . . . . . . . . . . . . . . . 95
買賣指示之接納及交易執行. . . . . . . . . . . . . . . . 95
8
CHARLES SCHWAB, HONG KONG, LTD. U.S. DOLLAR ACCOUNT AGREEMENT
INTRODUCTIONThis Agreement contains important terms and conditions that apply to the Charles Schwab, Hong Kong, Ltd. Account and Charles Schwab, Hong Kong, Ltd. brokerage services. Please read this Agreement carefully and retain it for future reference.
DefinitionsAs used in the Account Agreement, these terms are defined as follows:
• Account Agreement — The agreement you make with us when you open the Schwab Hong Kong U.S. Dollar Account, consisting of the Account Application; this Charles Schwab, Hong Kong, Ltd. U.S. Dollar Account Agreement; and any other written agreements between you and Schwab Hong Kong concern-ing the Schwab Hong Kong U.S. Dollar Account, all as amended from time to time.
• Account Application — The application you submit to open your Schwab Hong Kong U.S. Dollar Account.
• Cash Account — The basic brokerage account offered by Schwab Hong Kong.
• Clearing Broker — Charles Schwab & Co., Inc. (Member SIPC), which acts as Clearing Broker for Schwab Hong Kong accounts.
• Debit Balance — An account balance repre-senting money owed to Schwab Hong Kong.
• Dividend Reinvestment — An optional rein-vestment of dividends program for certain eligible securities.
• Electronic Funds Transfer — Any transfer of funds initiated or authorized by you through an electronic payment system such as the Automated Clearing House (ACH) Network.
• Exchange Business Day — Monday through Friday, excluding Hong Kong and U.S. stock exchange holidays. (Although our offices may be open on certain bank holidays, these days are not considered Exchange Business Days for purposes relating to the transfer of funds.)
• Good Delivery — The delivery to us of freely transferable securities (that is, properly registered, endorsed and fully negotiable stock certificates).
• Introducing Broker — A person whose busi-ness is to receive from a client orders for deals in securities and to communicate same in the name of such person to an exchange participant of a stock market.
• Long Sale — The sale of a security that you own.
• Mutual Fund — Any mutual fund or collective investment vehicle authorized for sale in Hong Kong and organized outside the U.S., the shares of which may be purchased, sold or held through the Schwab Hong Kong U.S. Dollar Account.
• Other Property — Money, instruments (includ-ing certificates of deposit and other financial instruments) and any other property or rights, other than Securities.
• The Parties — Schwab Hong Kong and the Account Holder (and, to the extent expressly provided in this Agreement, Charles Schwab & Co., Inc.).
• Schwab Hong Kong — Charles Schwab, Hong Kong, Ltd., which is registered with the Securities and Futures Commission (“SFC”) in Hong Kong to carry on the regulated activities in dealing in securities and advising on securities under CE number ADV256 and is situated at Rooms 602–606, Gloucester Tower, The Landmark, 15 Queen’s Road Central, Central, Hong Kong.
• Schwab Hong Kong U.S. Dollar Account/Account — Your brokerage account at Schwab Hong Kong that allows you to buy and sell stocks, bonds, mutual funds and other investments. This account includes your Cash Account with Schwab Hong Kong.
• Securities — Securities of any kind and nature, including those you may deposit or redeposit with the Clearing Broker for any reason (including safekeeping), as well as uncertificated securities such as money market fund shares.
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嘉信理財香港有限公司 美元帳戶協議
簡介
本協議所載的，是適用於嘉信理財香港有限公司.在有關設立帳戶及證券的經紀服務的重要條款和條件。請細閱本協議，並保留它作日後參考之用。
定義本帳戶協議當中所載字詞的定義如下.:
•. 帳戶協議 — 指閣下開立香港嘉信理財美元帳戶時，與我方所訂立的協議，包括帳戶申請、本嘉信理財香港有限公司美元帳戶協議、其他一切由閣下與香港嘉信理財訂立有關香港嘉信理財美元帳戶的書面協議，以及所有上述協議經修訂的文本。
•. 帳戶申請 — 指閣下開立香港嘉信理財美元帳戶時提交的申請書。
•. 現金帳戶 — 由香港嘉信理財所提供之最基本經紀帳戶。
•. 結算經紀 — 香港嘉信理財帳戶之結算經紀為嘉信理財公司(美國證券投資者保障公司之成員)。
•. 借方結餘 — 指該等屬欠負香港嘉信理財款項的帳戶結餘。
•. 股息再投資 — 指為若干合資格證券而設之選擇性股息再投資計劃。
•. 電子資金轉帳系統 — 由閣下自行或授權並通過電子付款系統如自動結算公司(ACH)之網絡進行的任何資金轉移。
•. 交易所營業日 — 星期一至星期五，不包括香港和美國證券交易所之假期(儘管我方之辦事處於若干銀行假期辦公，惟就資金轉存而言，此等日子不被視作營業日)。
•. 妥實交付 — 指向我方交付可自由轉移的證券.(例如已經妥善登記、背書及可完全轉讓的.股票)。
•. 介紹經紀 — 其業務是接收客戶有關證券買賣的指示並以其名義傳達給一個證券市場的交易所參與者。
•. 長倉出售 — 銷售閣下所擁有之證券。
•. 互惠基金 — 指獲准於香港銷售並於美國境外成立之任何互惠基金或集體投資工具，而其股份可透過香港嘉信理財美元帳戶買賣或持有。
•. 其他財產 — 指金錢、票據.(包括存款證和其他金融票據) 及任何其他證券以外的財產或權利。
•. 各方 — 指香港嘉信理財及帳戶持有人(及於本帳戶協議指明的嘉信理財公司)。
•. 香港嘉信理財 — 指嘉信理財香港有限公司，.該公司於香港證券及期貨事務監察委員會.(「證監會」)註冊進行證券交易並就證券提供.意見的受規管活動，其中央編號為ADV256；而該公司則位於香港中環皇后大道中15號置地廣場告羅士打大廈602–606室。
•. 香港嘉信理財美元帳戶／帳戶 — 指閣下在香港嘉信理財設立並可供閣下買賣股票、債券、互惠基金及其他投資工具的經紀帳戶。本帳戶包括閣下於香港嘉信理財之現金帳戶。
•. 證券 — 指屬於任何類別和性質的證券，包括該等閣下可基於任何原因(包括交託保管)存放或再存放於我方的證券。以及無紙證券如貨幣市場基金股份。
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• Sweep Fund — One of the short-term liquidity funds whose shares are available for auto-matic investment and redemption through the Schwab Hong Kong U.S. Dollar Account.
• To Close Any or All Transactions — To com-plete or liquidate any or all unsettled transac-tions; to cancel open orders; to sell any or all long securities and other property, including arranging the sale of options; to buy any or all securities and other property that are short in the Schwab Hong Kong U.S. Dollar Account or required for delivery against any sale order or other obligation; and to arrange the purchase of option contracts to close any outstanding short option positions.
• U.S. Mutual Fund — Any mutual fund or collec-tive investment vehicle authorized for sale in Hong Kong and registered under the U.S. Investment Company Act of 1940.
• You/Your/Account Holder — Each person who signs the Account Application.
ACCOUNT AGREEMENTProvision of ServicesTo open the Schwab Hong Kong U.S. Dollar Account, you must complete an Account Application. When we approve your Account Application, we will open a Cash Account for you and act as an Introducing Broker by communi-cating your instructions to purchase and sell Securities listed or traded in the U.S. for your account to a Clearing Broker. With the approval of the Clearing Broker and under an agreement with the Clearing Broker, you may elect to add a margin feature to your account and, if qualified, to trade options in your account. When transfer-ring assets from another firm, be advised that we (or the Clearing Broker) will not accept or honor any oral or written instructions from you to purchase or sell securities prior to the Clearing Broker’s actual receipt of your assets and the completion of the transfer process. You may initiate orders relating to the transferred cash and/or securities only after the transfer process has been completed and the assets have been received by the Clearing Broker. When you make a short sale, it is necessary to borrow securities in order to deliver the shares to the buyer. The Clearing Broker may charge
you a fee, which may change daily, for borrowing securities. Before you submit a short sale order, you will be notified of the current cost of borrow-ing those shares. By submitting the order you will have agreed to pay all charges for borrowing the shares for as long as you hold the short position. Your attention is drawn to the provi-sions of the Option Agreement, Margin and Short Agreement with the Clearing Broker cur-rently in force and as amended from time to time, which will explain margin procedures in respect of option positions, and the circum-stances in which your positions may be closed out without your consent. On your request, we shall provide you with a copy of contract specifi-cations and any offering document relating to options which you are permitted to trade. Schwab Hong Kong does not give legal or tax advice.
Risk Disclosure StatementSchwab Hong Kong refers you to the Risk Disclosure Statements contained in Schedule 1 which are provided to you in accordance with the requirements of the Securities & Futures Commission.
Account Minimums, Commissions and FeesSchwab Hong Kong may establish from time to time minimum balance requirements to open an account. This amount may be remitted by money order, Electronic Funds Transfer, and/or deposit of an equivalent amount of acceptable securities. You agree to pay such brokerage commissions, transaction levies, trading fees, custodian charges, stamp duty and other fees as exist from time to time and apply to your Schwab Hong Kong U.S. Dollar Account for transactions and services you receive. The Clearing Broker(s) may accept custody of cer-tain assets not normally available through it; we will charge fees for this service. You also agree to pay all applicable state and local excise taxes, stamp duties, transfer taxes, and other levies or fees of any applicable jurisdiction. You acknowledge that we may receive and retain commission rebates, or goods and services (i.e., soft dollars) from executing brokers and/or service providers in consideration of directing business to them.
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•. 流動基金 — —種短期流動基金，其股份可透過香港嘉信理財美元帳戶進行自動投資及贖回。
•. 終止任何或所有交易 — 指完成或結清任何或所有尚未完成交易.; 取消未完成買賣指示.; 出售任何或所有長倉證券或其他財產，包括安排出售期權.; 購入於香港嘉信理財美元帳戶內屬於沽空或根據任何出售指示或其他承擔遞交之任何或所有證券及其他財產.; 及安排購買期權合約以結束任何尚存之沽空期權倉。
•. 美國互惠基金 — 獲准於香港銷售並根據美國.投資公司法.(1940年) 註冊之任何互惠基金或集體投資工具。
•. 閣下／閣下之／帳戶持有人 — 指每一簽署帳戶.申請的人士。
帳戶協議
提供服務閣下須填妥帳戶申請表格以開立香港嘉信理財美元帳戶。帳戶申請表格一經我方接納後，我方將為閣下開設一個現金帳戶，並以介紹經紀的身份，將閣下帳戶買賣在美國上市或交易的證券的指示傳達給一個結算經紀。經結算經紀同意並根據與結算經紀所訂立之協議，閣下可選擇在閣下之帳戶加入一項保證金功能，及倘若合乎資格，則可於閣下之帳戶內買賣期權。當閣下從另一公司轉入資產，請注意我方(或結算經紀)將不接受或承認在我方實際收到閣下資產及完成轉移程序前，閣下任何有關買入或賣出證券的口頭或書面指示。閣下於轉移過程完成及結算經紀已收到資產後，方可發出有關轉帳現金及／或證券的指示。閣下進行沽空時，須借入證券以交付股份予買家。結算經紀或向閣下就借入證券收取費用，而費用可能每日調整。閣下
遞交沽空指示前，將獲通知借入此等股份之當時成本。閣下一經遞交指示，即代表閣下同意支付於持有空倉期間所有借入股份之費用。務請留意向閣下所提供與結算經紀所訂立之現時生效及不時修訂的期權，保證金及沽空帳戶協議，該等協議解述有關期權倉之保證金手續，以及在何種情況下可毋須經閣下同意而平倉。因應閣下要求之情況下，我方會向閣下提供合約說明之副本以及有關閣下可買賣之期權之任何提議文件。香港嘉信理財概不作出任何法律或稅務意見。
風險披露聲明香港嘉信理財務請閣下注意附件.1 列載的風險披露聲明，此風險披露聲明是根據證券及期貨事務監察委員會的規定提供給閣下。
帳戶之最低存款、佣金及費用香港嘉信理財可隨時設定開立帳戶之最低存款要求。此項款額可透過匯票、電子資金轉帳，及／或存入相等款額可接納之證券。閣下同意支付就閣下香港嘉信理財美元帳戶所享有之交易及服務所產生之經紀佣金交易徵費、交易費、託管費、印花稅及其他費用。結算經紀可接納保管一般不作保管之若干資產，我方將就此項服務收取費用。閣下亦同意支付所有適用的國／州及本地行使的稅收、印花稅、轉讓稅及任何適用司法管轄區之其他徵費或費用。閣下確認我方可能會因向執行經紀及／或服務提供者轉介業務而收取及保留他們給予的佣金回扣或貨品和服務.(即非金錢利益)。
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The failure to deduct fees from your account at the time you incur those fees does not waive any of our rights to deduct those fees from your account at a later time.
Schwab Hong Kong does not charge transaction fees on purchases and redemptions of shares of certain registered investment companies or commissions on certain exchange-traded prod-ucts that participate in certain Charles Schwab & Co., Inc. programs and services. Schwab Hong Kong (or the Clearing Broker) is able to effect these transactions without charging a transaction fee/commission because we receive remuneration from the registered invest-ment company, exchange-traded product, and/or their affiliate for services rendered by Charles Schwab & Co., Inc. in connection with these shares.
Additional information about Charles Schwab & Co., Inc.’s financial relationships with mutual funds and exchange-traded products is avail-able on www.schwab.com. Further information will be furnished upon request.
Schwab Hong Kong may charge transaction fees under certain circumstances for which the customer has been or will be notified, including, but not limited to, Schwab Hong Kong’s short-term redemption policy, as in effect from time to time.
Rules and RegulationsYour Schwab Hong Kong U.S. Dollar Account and any transactions you make are subject to Schwab Hong Kong’s house trading rules and policies and the following rules, regulations and policies, as well as those of any Clearing Broker, all as modified or amended from time to time:
• Applicable rules, regulations, customs and usages of any applicable exchange, market, clearinghouse, regulatory agency or self- regulatory organization.
• Applicable rules, laws, regulations and trea-ties of any applicable jurisdictions.
Use of AccountYou may not use your account or any account-related service to process gambling transactions or to conduct any other activity that would violate applicable law. If we are uncertain regarding the legality of any transaction, we may refuse the transaction or freeze the amount in question while we investigate the matter.
Full Payment Before Order; Payment, Equity Deposit, Settlement and LiquidationYour Schwab Hong Kong U.S. Dollar Account must contain sufficient funds or equivalent market value of securities before an order can be accepted for that Account. We require full payment before we accept your order. You authorize the Clearing Broker to use available funds in your Schwab Hong Kong U.S. Dollar Account to settle a transaction. When you sell long securities, you must own the securities when you place the order. You agree also to make Good Delivery of the securities you are selling before order acceptance. For our protec-tion (or that of the Clearing Broker) or to satisfy your obligations to us, we (or the Clearing Broker) may, at our discretion and without prior demand or notice, sell or otherwise liquidate all or any part of the Securities and Other Property securing your obligations or Close Any or All Transactions in your Schwab Hong Kong U.S. Dollar Account. You understand that if you place an order by electronic or other automated means, your order will not be placed if you have not fulfilled the conditions above, even if the electronic or automated system provides an indication that your order should have been placed.
For instance, if you do not make Good Delivery of Securities when making a sale, or if you do not tender the total purchase price when mak-ing a purchase, we may instruct the Clearing Broker to take (or the Clearing Broker may independently take) appropriate action to com-plete, cancel or reverse the transaction. This may include purchasing or borrowing the Securities necessary to make the delivery.
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我方未能在閣下產生此等費用時從閣下帳戶扣除此等費用，並不表示我方放棄在稍後時間從閣下帳戶扣除此等費用的權利。
香港嘉信理財不會對購買及贖回某些註冊投資公司的股份收取交易費用，亦不會對參加嘉信理財公司的某些計劃及服務的某些交易所買賣產品收取佣金。香港嘉信理財.(或結算經紀) 可執行此等交易而毋須收取交易費用／佣金，因為我方可從獲嘉信理財公司提供的有關此等股份服務的註冊投資公司、交易所買賣產品及／或其聯屬機構領取報酬。
有關嘉信理財公司與互惠基金及交易所買賣產品的財務關係的額外資料，請瀏覽www.schwab.com。閣下亦可要求索取更詳盡的資訊。
香港嘉信理財可能在客戶已獲或將會收到通知的某些情況下，包括但不限於香港嘉信理財不時生效的短期贖回政策，收取交易費用。
規則及規例閣下之香港嘉信理財美元帳戶及閣下所進行之任何交易全受香港嘉信理財之公司內部買賣守則及政策，以及以下規則、規例及政策，以及任何結算經紀之規則、規例及政策所限制(均經不時之修改或修訂):
•. 任何適用之證券交易所、市場、結算公司、監管機構或自行監管組織之適用規則、規例、習俗.及慣例。
•. 任何適用司法權區之適用規則、法律、法例及.條約。
帳戶的使用閣下不可使用閣下的帳戶或任何有關帳戶服務處理賭博交易，或進行任何其他違法活動。如我方未
能確信任何交易的合法性，則可能拒絕有關交易，或於調查事件過程中凍結有關金額。
買賣指示之繳足款項;付款、股票存放、結算及平倉閣下之香港嘉信理財美元帳戶必須存有足夠資金或具相等市值之證券，方被獲接納就該帳戶所作出之買賣指示。我方須收取全部款項方會接納閣下之買賣指示。閣下授權結算經紀可動用閣下香港嘉信理財美元帳戶內存有的資金進行交易結算。當閣下發出出售長倉證券之買賣指示時，閣下必須擁有該證券。閣下亦同意於賣出指示獲接納前作出證券之妥實交付。為求保障我方.(或結算經紀) 或令閣下向我方清償承擔，我方.(或結算經紀) 可有酌情權及不需作出事先要求或通知，出售或以其他方式結算閣下香港嘉信理財美元帳戶內所有或任何部份證券及其他財產用作清償承擔或結束任何或所有交易。閣下須明白，如閣下以電子或其他自動方式作出交易指令，卻未有履行上述的條件，則我方將不會執行該指令，即使該等電子或自動系統顯示該指令已被執行。
例如，倘閣下出售證券時未有妥實交付出售的證券，或是在購買時未能繳付十足的買價，我方可指示結算經紀(或結算經紀可單獨)採取適當的行動以完成、取消或還原該宗交易，該等行動可能包括購買或借入完成交付所需的證券。
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You are responsible for all costs, debits, com-missions and losses (whether direct or conse-quential) arising from any actions the Clearing Broker may take to Close Any or All Transactions in your Schwab Hong Kong U.S. Dollar Account or from your failure to make timely Good Delivery of Securities. Failure to make Good Delivery includes the deposit of Securities by you which are later found to be restricted, canceled, reported lost or stolen or otherwise not freely transferable. Schwab Hong Kong (or the Clearing Broker) may transfer Securities and Other Property from any broker-age account in which you have an interest to any other brokerage account in which you have an interest in order to satisfy deficiencies in any such account or if we think your obligations in any such account are not adequately secured. If you know or suspect that you have received an overpayment of funds or Securities, or if you know or suspect that your Schwab Hong Kong U.S. Dollar Account has not yet been debited for a fee you have incurred, you agree to notify us in writing as soon as you learn of the overpay-ment or uncollected fee. You further agree not to remove the overpayment of funds or Securities or the uncollected fee from the Schwab Hong Kong U.S. Dollar Account.
If you have removed the overpayment of funds or Securities or uncollected fee from your Schwab Hong Kong U.S. Dollar Account, you agree to return the full amount of the overpay-ment or uncollected fee upon demand by us or the Clearing Broker, notwithstanding any oral representations made by any Schwab Hong Kong representative to the contrary. If you fail to do so, you will become liable to Schwab Hong Kong or the Clearing Broker not only for the amount of the overpayment or uncollected fee, but also for the interest and expenses associated with its recovery.
If the Clearing Broker, at its discretion, accepts an order when your account does not have sufficient funds or equivalent market value of securities to meet the settlement obligation of a trade, you agree to be responsible for full payment or delivery of securities, and for all costs, debits, commissions and losses (whether direct or consequential arising from
any actions of the Clearing Broker) incurred to close any transactions in your account.
For our protection against credit risk and other conditions, we or the Clearing Broker may, without prior notice, decline, cancel or reverse your orders or instructions, or we or the Clearing Broker may place trading, disburse-ment and other restrictions on your account.
Custody of Securities and Other PropertyRegistrable Securities held in your Schwab Hong Kong U.S. Dollar Account may be registered in the name of the nominee of a Clearing Broker or a nominee of a custodian appointed by the Clearing Broker. Securities and Other Property may be deposited outside Hong Kong with any custodian or Clearing Broker or other institution which provides safe custody facilities.
If any Clearing Broker or custodian holds for you bonds or preferred stock in street name or bearer form that are callable in part, you agree to participate in an impartial lottery allocation system of the called Securities, according to the rules of any applicable exchange, clearing house or settlement system.
Float DisclosureYou agree that the Clearing Broker may retain as compensation for services your Account’s proportionate share of any interest earned on aggregate cash balances held in the Clearing Broker’s bank account with respect to (1) assets awaiting investment or (2) assets pending distribution from your Account. Such interest retained by the Clearing Broker shall generally be at money market rates.
Assets awaiting investment or deposit include:
(1) amounts deposited by you into your Account; and
(2) any other uninvested assets held by your Account caused by an authorized instruction to the Clearing Broker to purchase or sell securi-ties (which may, after the period described below, automatically be swept into a Schwab Sweep Money Fund). With respect to such assets awaiting investment or deposit:
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閣下須承擔所有結算經紀因終止閣下的香港嘉信理財美元帳戶中的任何或所有交易，或是因閣下未能及時妥實交付證券直接或間接所引致的費用、借額、佣金及損失。未妥實交付包括閣下存放的證券事後被發現是受限制、被撤銷、已報失或遭盜竊或有其他因由而不能自由轉讓。香港嘉信理財.(或結算經紀) 有權將閣下享有權益的任何經紀帳戶中的證券和其他財產轉移往閣下享有權益的其他經紀帳戶，以填補該帳戶中的短欠數額或我方認為閣下任何該等帳戶內的承擔未有充份抵押。若閣下知道或懷疑閣下已多收款項或證券，或若閣下知道或懷疑閣下香港嘉信理財美元帳戶未被扣除閣下所引致的任何費用，閣下同意於閣下知悉有關多存入或未被收取費用的情況後盡快以書面通知我方。閣下亦同意不會從香港嘉信理財美元帳戶提走多存入的資金或證券或未被收取的費用。
若閣下已從閣下香港嘉信理財美元帳戶提走多存入的資金或證券或未被收取的費用，閣下同意按我方或結算經紀的要求全數退還多存入的資金或證券或未被收取的費用，而不論任何香港嘉信理財的代表是否曾作出任何相反的口頭陳述。若閣下未有退還，閣下將須對香港嘉信理財或結算經紀承擔多存入的款額或未被收取的費用以及與追討此等款額或費用有關的利息及開支。
若結算經紀自行決定，即使閣下的帳戶沒持有足夠的資金或相等市值之證券承擔交收責任、也接受買賣指示，則閣下同意全數付清或全數交付證券，以及承擔所有因終止閣下帳戶中的任何交易所引致的費用、借額、佣金及損失.(無論損失是直接或
間接因結算經紀的任何行為而引起)。
為了抵消信貸風險及其他情況，我方或結算經紀有權在未有事先通知的情況下拒絕執行、取消或還原閣下的指令或指示，或是對閣下的帳戶施加買賣、支付或其他限制。
保管證券及其他財產閣下的香港嘉信理財美元帳戶內所持有之可登記證券可以結算經紀代名人或由結算代理人委託保管人之代名人之名義登記。證券及其他財產可存放於香港境外提供保管設施之任何保管人或結算經紀或其他機構。
根據任何適用之證券交易所、結算公司或交收系統之規則，倘任何結算經紀或保管人以或以不記名方式或行號為閣下持有可部份贖回債券或優先股，閣下同意參與可贖回證券之公正抽籤分配制度。
帳戶流動結餘聲明閣下同意結算經紀可根據以下兩個情況保留閣下帳戶內從合計現金結餘所得之任何部份利息作報酬.: (1) 有待投資的資產.; 或.(2) 閣下帳戶內有待分派的資產。結算經紀保留的利息一般以當時市場利率計算。有待投資或存入帳戶的資產包括.:
(1).閣下存入帳戶的數目.; 及
(2).閣下帳戶內所有因授權結算經紀購買或出售之證券所得的任何未被投資的資產.(有關資產或會在以下所提及的時期後，自動撥入嘉信理財流動現金基金)。有關這些有待投資或存入帳戶的資產.:.
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(i) where such assets are received by the Clearing Broker on a Business Day and before deposit cutoff time for the Schwab Hong Kong customers with which the funds are deposited, such interest may be earned by the Clearing Broker through the beginning of the following Business Day; (ii) where such assets are received on a day which is not a Business Day, or where such assets are received after the Schwab Hong Kong customers’ deposit cutoff time, such interest may be earned through the beginning of the second following Business Day.
When the Clearing Broker receives a request for a distribution from your Account, the Clearing Broker generally processes the request within two or three Business Days (unless the distribution is in connection with an unusual event such as death or divorce, in which case it generally will take longer to process the request). On the same day that the processing is completed, the amount of the distribution will be debited from your Account. The distribution check will be written and mailed on the following Business Day. You agree and acknowledge that the Clearing Broker will earn interest beginning on the date your Account is debited and ending on the date the check is presented for payment, the timing of which is beyond the control of the Clearing Broker. Upon request, the Clearing Broker will provide you a verbal update to determine the status of your outstanding distribution checks.
If you choose to change your Cash Feature from one Cash Feature to another, or if the Clearing Broker changes your Cash Feature from one Cash Feature to another, you will generally stop earning interest or dividends, as the case may be, on the day of your request. If you or the Clearing Broker designates a new Cash Feature before the close of business on a Business Day, your Free Credit Balances will be swept to your new Cash Feature after the close of business that Business Day, and generally will begin earning dividends or inter-est, as the case may be, on the following Business Day. If you or the Clearing Broker designate a new Cash Feature after the close of business or on a non–Business Day, your Free Credit Balances will be invested or depos-
ited into your new Cash Feature after the close of business on the next Business Day, and generally will begin earning dividends or inter-est on the Business Day following the next Business Day. If you request that the Clearing Broker automatically send dividends, interest, or other payments directly to you, and the Account has a Schwab Sweep Money Fund as a Cash Feature, net payments will not accrue interest between the time they are credited to the Account and the time they are disbursed to you.
Payment of IndebtednessSchwab Hong Kong (or the Clearing Broker) may elect at any time, with or without notice, to make any Debit Balance or other obligation related to your Schwab Hong Kong U.S. Dollar Account immediately due and payable.
Security for IndebtednessAs security for the repayment of all present or future indebtedness owed to us by any Account Holder under the Account Agreement or other-wise, each account holder grants to us and the Clearing Broker a continuing security interest in and lien on, and a right of setoff with respect to, all Securities and Other Property that are, now or in the future, held, carried or maintained for any purpose in or through the Schwab Hong Kong U.S. Dollar Account, and, to the extent of such account holder’s interest in or through, any present or future account with us or the Clearing Broker in which the account holder has an interest.
If you owe money to Schwab Hong Kong or the Clearing Broker as the result of activity in your account and there are assets available in any account that you hold at Schwab Hong Kong or the Clearing Broker which could fully or partially satisfy the debt, you agree that upon Schwab Hong Kong’s or the Clearing Broker’s written demand, you will execute all documents neces-sary to effect a distribution from your account and agree to pay or cause such funds to be paid immediately to Schwab Hong Kong or the Clearing Broker in order to satisfy your indebtedness to Schwab Hong Kong or the Clearing Broker.
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(i) 若結算經紀在正常營業日收到此類資產，並於.香港嘉信理財的客戶存款的截止時間前存入款項，則結算經紀可賺取相關利息直至下一個營業日的開始.; (ii) 若結算經紀在非營業日收到此類資產，.或於香港嘉信理財客戶存款的截止時間後才收到，則結算經紀可賺取相關利息直至再下一個營業日的開始。
當結算經紀收到閣下提取資金的指示後，一般可於兩至三個營業日內處理( 除非涉及特殊情況如死亡或離婚，則需要較長時間處理)。完成指示當日，資金將於閣下帳戶中扣除。提取資金的支票則會在下一個營業日簽發及寄出。閣下同意並明白結算經紀將會由在你帳戶扣除資金的當日直至支票兌現的當日賺取利息，支票兌現所需時間乃結算經紀的控制範圍以外。若閣下提出要求，結算經紀可口頭通知閣下有關未兌現的提取資金支票的情況。
若閣下決定從一現金功能轉換成另一項，或結算經紀把閣下的現金功能轉換為另一項現金功能，通常閣下則在發出指示的當天停止賺取利息或股息。若閣下或結算經紀在正常營業日收市前轉換至新的現金功能，閣下的流動現金結餘將在該營業日收市後轉入閣下新的現金功能，並通常由下一個營業日開始賺取股息或利息。若閣下或結算經紀在正常營業日截止後，或在非營業日轉換至新的現金功能，則通常閣下之流動現金結餘將於下一個營業日轉入閣下新的現金功能進行投資或存款，並通常於再下一個營業日開始賺取股息或利息。若閣下要求結算經紀自動將股息、利息或其他款項直接發送予閣下，而帳戶內有嘉信理財流動現金基金作為現金功能，從款項淨值存入帳戶至支付予閣下期間，將不累積利息。
支付債項香港嘉信理財.(或結算經紀) 可在已通知或未通知的情況下，隨時選擇使閣下香港嘉信理財美元帳戶的借方結餘或其他債項成為即時應付的債項。
債項擔保為擔保帳戶協議或其他協議下的任何帳戶持有人償付所有於目前或日後欠負我方的債項，各帳戶持有人均授予我方及結算經紀所有證券及其他財產之持續的擔保權益、留置權及抵銷權，包括該帳戶持有人以或透過香港嘉信理財美元帳戶於目前或日後、無論基於任何目的而持有、置存或保存的所有證券和其他財產，以及該帳戶持有人於目前或日後在或透過我方或結算經紀所享有的權益。
如果您因帳戶內的交易活動而欠負香港嘉信或結算經紀金錢，而您在香港嘉信或結算經紀持有之帳戶內的資產可供清償全部或部分債務，您同意在香港嘉信或結算經紀提出書面要求時簽署所有必要文件，以便從您的帳戶執行資金分配，並同意立即清償或促使債項償還給香港嘉信或結算經紀，以清償您對香港嘉信或結算經紀的債務。
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RemittanceDeposits to your Schwab Hong Kong U.S. Dollar Account may be effected by check made pay-able to “Charles Schwab & Co., Inc. FBO (your Schwab 8-digit account number).” Our policy is not to accept cash or third party checks. If any check remitted to us is returned unpaid, Schwab Hong Kong will charge a fee to your Schwab Hong Kong U.S. Dollar Account. In addition, no order will be placed until Schwab Hong Kong or its Clearing Broker has full and irrevocable access to the funds represented by the check. For our protection we (or the Clearing Broker) may restrict your ability to withdraw funds represented by a check or other item or to apply such funds to settle a securi-ties transaction. No order requiring such funds will be placed until Schwab Hong Kong or its Clearing Broker has full access to the funds. This may cause delay in the entering of any desired order, especially if currency exchange is involved, and Schwab Hong Kong takes no responsibility for the effects of such delay.
When Check Deposits Are Available for Withdrawal or TransferWhen you deposit checks in your Schwab Hong Kong U.S. Dollar Account, they will become available for withdrawal according to our avail-ability schedule. A longer hold period may apply to checks drawn on a foreign institution. Details of the schedule are available by calling us or stopping by an office. However, even when deposited funds are not available for withdrawal, you may receive dividends on these held funds. At our discretion, funds represented by the check also may be unavailable for settlement of securities transactions during the hold period.
We reserve the right to redeposit any checks that do not clear the first time due to insuf-ficient funds, or any other reason, with or with-out prior customer notification.
Corporate ActionsThe securities in your account may be subject to mandatory and voluntary corporate actions. A mandatory corporate action affects all hold-ers and no decision is required from you. A voluntary corporate action will require a deci-sion from you on whether and how you want to participate. A voluntary corporate action may impart valuable rights to you that expire unless
you take action. You agree that you are respon-sible for knowing the rights and terms of all securities in your account, and that you are responsible for making election decisions in corporate actions.
Schwab Hong Kong is not obligated to notify you of any upcoming expiration or redemption dates, or to take any other action on your behalf without specific instructions from you. If, however, a voluntary corporate action is about to expire, become worthless, or be redeemed for significantly less than its fair market value, and you have not provided instructions to Schwab Hong Kong, we may, at our discretion, take action on your behalf and your account will be credited with any proceeds. Schwab Hong Kong is not obligated to take any action on your behalf and you agree that Schwab Hong Kong is not liable for any losses associated with the expiration of rights arising out of or relating to your failure to act or to give instructions to Schwab Hong Kong to act on your behalf.
When you inform Schwab Hong Kong of your election in a corporate action, Schwab Hong Kong will ensure that your account is credited with your election when the corporate action is concluded, assuming all conditions of the offer have been met and elections have been accepted by the offeror. You agree and under-stand that the Clearing Broker may lend, or have already lent, the security subject to the corporate action; however, this will not affect that your account will be credited with your elec-tion when the corporate action has concluded.
WIRE TRANSFERSSending Wire TransfersThe following provisions apply to wire transfers you send through Schwab. This section does not apply to ACH funds transfer services or Schwab MoneyLink® services, which are subject to separate terms and conditions.
A wire transfer is the process of carrying out a payment order that leads to the transfer of funds to a beneficiary. The payment order is the instruction you give us regarding a wire trans-fer. The beneficiary is the person who receives the payment. The beneficiary may be you or another person.
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匯款存入閣下香港嘉信理財美元帳戶之款項可透過支票進行，抬頭請填上「Charles Schwab & Co., Inc. FBO(閣下嘉信理財.8 位數字之帳戶編號)」。我方之政策是不接納現金或第三者支票。倘任何匯予我方之支票未能兌現，則香港嘉信理財將就向閣下之香港嘉信理財美元帳戶收取費用。此外，須待香港嘉信理財或其結算經紀可全面及不可撤回地取得支票所代表之資金後，方可發出買賣指示。為保障我方.(或結算經紀) 起見，我方會限制閣下從某一支票或其他項目之提款，或將該等款項用以結算證券交收。只有在香港嘉信理財或其結算經紀取得全部款項後，方可發出動用該等資金之買賣指示。這可能延誤輸入任何欲買賣的指示，特別是涉及貨幣兌換方面，而香港嘉信理財對於該等延誤所帶來之影響既不負責。
支票存款何時可供提取或轉帳當閣下把支票存入閣下的香港嘉信理財美元帳戶時，支票的可供提取時間將根據我方的資金可使用時間表而定。外國機構的支票的兌現期可能較長。有關我方時間表的詳情，請致電我方或親臨我們的分行。但即使存入資金未可提取，閣下或可以就這資金獲取紅利。支票所代表的資金於等待兌現期或許不能用作支付證券交易，以我方的決定為準。
我方保留權利在通知或不通知客戶的情況下，重新存入任何因資金不足或其他原因而未能於首次兌現的支票。
公司行動您帳戶內持有的證券可能因自願性及強制性的公司行動而受影響。強制性的公司行動涵蓋所有的持有人，您無須做出任何決定。自願性的公司行動須由您做出決定，選擇是否參與及參與的方式。自願
性的公司行動可能賦予您重要的權利，若您不採取行動，該權利將失效。您同意承擔熟悉您帳戶內所有證券的權利與條款之責任，也為您在公司行動中所做的選擇負責。
除非您有明確的指示，否則香港嘉信理財並無義務通知您任何即將來臨的到期日或贖回日、或代表您採取任何其他的行動。若自願性的公司行動即將失效、或失去價值、或贖回價格大幅低於其公平的市值，並且您尚未提供指示給香港嘉信理財，我方可自行決定代表您採取行動，所得將存入您的帳戶。香港嘉信理財並無義務代表您採取任何行動。您同意香港嘉信理財不會因為任何因您未採取行動或未指示香港嘉信理財代表您執行行動，導致權利失效所產生的任何損失或相關的損失負責。
當您通知香港嘉信理財您在公司行動中所做的選擇時，若所有條件均已達成，且您的選擇已被要約人接受，香港嘉信理財將在公司行動完成後，將您的選擇存入您的帳戶。您瞭解並同意結算經紀可能借貸或已經借出公司行動的證券；然而，香港嘉信理財仍將在公司行動完成後，將您的選擇存入您的帳戶，不受影響。
電匯轉帳發出電匯轉帳以下規定適用於您透過嘉信理財發出的電匯轉帳。此部分不適用於另訂有條款及細則的.ACH 轉帳服務或嘉信轉帳靈.MoneyLink®服務。
電匯轉帳是指執行令資金轉帳至受益人的付款指示的過程。付款指示是指您給我方的電匯轉帳指示。受益人是指收取付款的人士。受益人可以是閣下本人或其他人士。
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We may charge fees for sending a wire transfer. For current fees, call +852-2101-0500. Addi-tional fees may be applied to a transfer by the receiving bank or an intermediary bank. We have no control over the intermediary or receiv-ing bank’s fee structure.
By providing us with a payment order in a manner that is acceptable to us, you authorize us to act on your behalf to initiate a wire trans-fer. Upon receiving a payment order from you by the applicable cutoff time, we will act on the payment order by transmitting payment instruc-tions to the applicable bank. We have cutoff times for processing payment orders. We may treat payment orders we receive after a cutoff time as if received the next Business Day. Our cutoff times are available upon request.
We may provide you with one or more numbers, passwords, tokens, challenge questions, and/or other means of identification and authentication (collectively, a “Password”) in connection with our wire transfer service. You agree to maintain the security and confidentiality of your Password and to notify us immediately if you have any reason to believe its security or confidentiality has been or may be breached.
We may elect to verify the authenticity and content of any payment order by placing a call to any authorized signer on your account and/or any other person you designate as your agent for that purpose. If we are unable to verify a payment order with an authorized person, we may refuse to execute the order. We also may reject any instruction that is not confirmed in accordance with any other security procedure that you and we agree upon. You agree that confirmation of your wire instruction by tele-phone, or online through the Clearing Broker’s website or by wireless device (which consists of both electronically authenticating and authoriz-ing the wire instruction through encrypted channels), or our (or the Clearing Broker’s) reliance on any password or other security procedure that you and we (or the Clearing Broker) agree upon, shall be deemed to be a commercially reasonable security procedure, in light of the anticipated size, type, and fre-quency of your wire transfers.
We may process any payment order we believe is transmitted or authorized by you if we act in compliance with the agreed upon security procedure. You agree to be bound by any wire instruction, whether or not authorized, that is issued in your name and accepted by us in compliance with the security procedure.
Our security procedures are designed to verify the authenticity of wire instructions, not to detect any errors in their transmission or con-tent. We assume no responsibility to detect errors in your instructions (e.g., duplicate trans-fers), even if we may take certain actions from time to time to do so.
We may reject payment orders. Any notice of rejection (whether given orally, electronically, or in writing) will be effective when given. We will not be liable to you for the rejection or obli-gated to pay you interest for the period before you receive the notice of rejection. Pursuant to government regulations, we may be unable to send a wire transfer you requested to certain individuals or countries, or to individuals who are citizens of those countries. Also, your pay-ment order may be delayed while we check to ensure that sending it to the designated recipi-ent does not violate applicable laws or regula-tions. You agree that Schwab will not be liable for any losses in any of these circumstances.
We may select any intermediary bank, funds transfer system, or means of transmittal to send your payment orders. Our selection may differ from that indicated in your instructions.
It is important that you provide us with accu-rate and complete payment information. The beneficiary’s bank (including us when we are the beneficiary’s bank) may make payment to the beneficiary based solely on the account or other identifying number you provide, even if the name on the payment order differs from the name on the account. We, or an intermediary bank, may send a payment order to an interme-diary bank or a beneficiary’s bank based solely on the bank identifying number, even if you provide us with a different bank name. Neither we nor any other bank has a duty to determine whether a payment order contains an inconsis-
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我方可能收取發出電匯轉帳的費用。有關現有收費，請致電.+852-2101-0500。收款銀行或中轉銀行可能就轉帳收取額外費用。我方不能控制中轉或收款銀行之收費結構。
閣下根據我方可接受的方式向我方發出付款指示，即授權我方代表閣下進行電匯轉帳。我方於適用截止時間前收到閣下的付款指示，便會向適用銀行傳送付款指示，以執行有關指示。我方設有處理付款指示的截止時間，於截止時間後收到的付款指示可被視為於下個營業日收取。閣下可向我方查詢截止時間。
我方可就電匯轉帳服務，為閣下提供一個或以上的數字、密碼、代碼、提示問題及／或其他認證及核實方法.(統稱「密碼」)。閣下同意確保密碼的安全和保密，並同意若因任何理由相信密碼的安全和保密性經已或可能受到威脅時，即時通知我方。
我方可能選擇致電任何閣下帳戶的獲授權簽署人及／或閣下指定為代理人的任何其他人士，以核實任何付款指示的真確性及內容。若我方未能與獲授權人士核實付款指示，我方可拒絕執行指示。我方亦可根據任何其他閣下與我方同意的保安程序，拒絕未經確認的任何指示。閣下同意鑑於閣下電匯轉帳的預計金額、種類及次數，閣下經電話、結算經紀的網站或無線設備.(包括透過加密渠道的電子化確認及授權電匯指示) 所作之電匯指示確認，或我方對閣下與我方.(或與結算經紀) 同意的任何密碼或其他保安程序的信賴，將被視為商業上合理的保安程序。
若我方依從已同意的保安程序，我方可執行任何我方相信由閣下發出或授權的付款指示。閣下同意受
任何以閣下姓名發出並獲我方按保安程序接受的電匯指示.(無論已認可與否) 的約束。
我方的保安程序乃為核實電匯指示而設，並非為偵察指示在傳送中或內容中的錯誤。我方並無責任偵察閣下指示的錯誤.(例如重複轉帳)，即使我方可能不時採取有關行動。
我方可拒絕執行付款指示。任何拒絕執行的通知.(不論以口頭、電子或書面發出) 一經發出，即告生效。我方毋須就此拒絕而對閣下承擔責任，亦無義務向閣下支付在閣下收到有關拒絕通知前該段時期的利息。根據政府規定，我方或不能傳送閣下要求的電匯轉帳至某些人士或國家，或為該等國家公民的人士。此外，閣下的付款指示或因我方為確保傳送至指定收款人不會違反適用法例或規定，而被延誤。閣下同意嘉信毋須就任何如此情況引致之任何損失負責。
我方可選擇任何中轉銀行、資金轉帳系統或傳送方法發出閣下的付款指示。我方的選擇可能與閣下指示中所說明的不同。
閣下必須提供準確及完整的付款資料。受益人的銀行.(包括我方在內，若我方為受益人的銀行) 可以僅根據帳戶或其他閣下所提供的認證號碼，而付款予受益人，即使付款指示的姓名與帳戶的姓名不同。我方或中轉銀行可能僅根據銀行認證號碼，向中轉銀行或受益人的銀行發出付款指示，即使閣下向我方提供的銀行名稱不同。我方及任何其他銀行均無責任確定付款指示所包含的名稱及號碼是否一致。
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tent name and number. This means that you may not rely on the name of the person or bank that you provide us to ensure payment to the correct person. If you provide incorrect informa-tion, you could lose the amount transferred.
Terms Applicable to Sending U.S. Domestic Wire Transfers and Non-Consumer Foreign (non-U.S.) Wire TransfersYou agree to indemnify us against, hold us harmless from, and defend us against any losses, claims, costs, expenses, damages, or liabilities (including, but not limited to, attor-neys’ fees) arising out of or resulting from any action taken or omitted by us in accordance with this Agreement or your instructions. This obligation will survive the termination of this Agreement.
You must notify us at once if you think a wire transfer shown on your Account statement or other notice is incorrect or unauthorized. If you fail to notify us in writing within 10 calendar days after we send or make available to you the first notice or statement on which the problem or error appears, you agree that the transfer information set forth on the statement or notice will be deemed correct, and that you will be precluded, to the greatest extent permit-ted by law, from asserting any claim against Schwab in connection with, and waive any right to recover any losses resulting from, any unau-thorized or erroneous transfer.
You cannot amend or cancel a payment order after we receive it. If you ask us to do this, we may make a reasonable effort to act on your request. But we will not be liable to you if, for any reason, a payment order is not amended or canceled. You agree to reimburse us for any costs, losses, indemnity claims, or damages that we incur in connection with your request to amend or cancel a payment order.
If your payment order requires us to convert one type of currency to another (for example, from U.S. dollars to euros), your funds will be exchanged for such other currency at the cur-rent rate of exchange according to our standard procedures. Currency exchange rates fluctuate
over time, and you acknowledge and accept the risks of such fluctuations between the time you send us a payment order and the time the wire transfer is final.
Terms Applicable to Certain Consumer Foreign (non-U.S.) Wire TransfersIf you initiate a wire transfer that is subject to Regulation E primarily for personal, family, or household purposes to a recipient in a foreign (non-U.S.) country (a “consumer foreign [non-U.S.] wire transfer”), we will provide you with a disclosure of the details of the transaction, as well as information about your error resolution and cancellation rights. Note: Certain transfers made in connection with the purchase or sale of securities are not covered by Regulation E or this section.
What to do if you think there has been an error or problem with your consumer foreign (non-U.S.) wire transferIf you think there has been an error or problem with your wire transfer:
Call: +852-2101-0500
Write: Charles Schwab, Hong Kong, Ltd. Attn: Document Control Rooms 602–606, Gloucester Tower, The Landmark, 15 Queen’s Road Central, Central, Hong Kong
You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:
1. Your name and address and/or telephone number;
2. The error or problem with the transfer and why you believe it is an error or problem;
3. The name of the person receiving the funds and, if you know it, his or her telephone number or address;
4. The dollar amount of the transfer; and
5. The confirmation code or number of the transaction.
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這代表閣下不能依賴提供給我方的人士或銀行名稱，以確定付款予正確的人。若閣下提供的資料不正確，則有可能損失所轉帳的金額。
適用於發出美國本地電匯轉帳及非消費 者外國(非美國) 電匯轉帳之條款閣下同意若我方依據本協議或閣下的指示採取或忽略的任何行動，而導致任何的損失、索償、費用、支出、損害或責任.(包括但不限於律師費)，閣下將會向我方作出賠償，以免我方受到損害，並為我方進行辯護。此項責任於本協議終止後仍然有效。
若閣下認為閣下帳戶結單或其他通知所顯示的電匯轉帳並不正確或未經授權，您必須立即通知我方。若閣下未在我方發出或提供初步通知或結單的十個日曆天內，以書面通知我方有關問題或錯誤之處，則閣下同意該結單或通知上的轉帳資料將被視為正確，而且將在法律允許的最大程度下，無法向嘉信作任何索償，並同意放棄追回因任何未經授權或錯誤轉帳而導致任何損失的任何權利。
經我方收悉，閣下即不能修改或取消有關指示。若閣下要求我方如此做，我方或許會盡力按閣下的要求行事。惟若付款指示因任何理由未被修改或取消，我方毋須對閣下負責。閣下同意負責就我方因閣下修改或取消付款指示所引致的任何費用、損失、索償或損害，而對我方作出償付。
若閣下的付款指示要求我方把一種貨幣兌換為另一貨幣.(例如由美元兌換成歐元)，閣下的資金將按我方標準程序以當時匯率兌換。匯率會隨時波動，而閣下確認並接受由閣下向我方發出付款指示起至電匯轉帳完成期間所出現的匯率波動風險。
適用於某些消費者外國(非美國)電匯轉 帳的條款若閣下主要為個人、家庭或家居目的，向外國.(非美國) 的收款人.(「消費者外國.(非美國) 電匯轉帳」) 發出受.E 條例約束的電匯轉帳，我方將為閣下提供交易詳情的聲明，以及有關您就解決錯誤的權利以及取消權的資料。註.: E 條例或此章節不涵蓋某些與認購或沽出證券有關的轉帳。
若閣下認為您的消費者外國 (非美國) 電匯轉帳出現錯誤或問題，應該如何處理若閣下認為您的電匯轉帳出現錯誤或問題，請您.:
致電.:. +852-2101-0500
致函.:. 嘉信理財香港有限公司.文件管制部.香港中環皇后大道中15號.置地廣場告羅士打大廈602–606室
閣下必須於我方對您承諾收款人將收到款項的.日期的.180 天內聯絡我方，並請提供 .:
1.. 閣下的姓名及地址及／或電話號碼.;
2.. 轉帳的錯誤或問題，以及閣下認為錯誤或.問題的原因.;
3.. 收款人的姓名，及其電話號碼和地址.(若閣下知道) ;
4.. 轉帳的美元金額.; 及
5.. 確認編號或交易號碼。
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We will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. We will tell you the results within three Business Days after com-pleting our investigation. If we decide that there was no error, we will send you a written expla-nation. You may ask for copies of any docu-ments we used in our investigation.
What to do if you want to cancel a consumer foreign (non-U.S.) wire transferYou have the right to cancel a consumer foreign (non-U.S.) wire transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us at the phone number above within 30 minutes of payment for the transfer.
When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and loca-tion where the funds were sent. We will refund your money within three Business Days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient’s account.
Receiving TransfersThe Clearing Broker may receive instructions to pay funds to your account, including wire trans-fers, transfers sent through an ACH system, and transfers that are processed directly to an account with us. The Clearing Broker may receive funds transfers directly from the sender, through a funds transfer system such as an ACH system, or through some other communications system.
We will notify you that we have received wire transfers and ACH transfers by listing them on your Account statement rather than sending you separate notices with respect to each transfer. You can also access information about your transfers with our online service through www.schwab.com.hk.
ACH Provisional Payment RuleUnder ACH rules, funds transfers sent through an ACH system are provisional and may be revoked prior to final settlement. You agree that ACH transfers that involve your Account will be subject to the ACH rules.
If an ACH transfer is revoked before final settle-ment and we do not receive final settlement, we may charge your Account for any amount that was previously credited and the person who sent the payment order will be considered not to have paid you. If this happens, we will not send you a separate notice; we will notify you of these credits and charges on your Account statement.
LiabilityIf we or the Clearing Broker are obligated to pay you for loss of interest that results from our error or delay regarding a payment order that you place, we will calculate your compensation by using the rate that is applicable to your Account for the time in question.
In no event will we or the Clearing Broker be liable for any special, indirect, or consequential damages (even if we have been informed of the possibility of such damages), including, without limitation, loss of profits or revenue, except as may be required by applicable law.
Compliance With Rules and LawsYou agree to comply with applicable payment system rules, including the Operating Rules of the National Automated Clearing House Association (NACHA), the laws and regulations of the United States, and any other applicable law.
Your Responsibility Concerning the Buy, Sale, Transfer or Deposit of Control, Restricted, or Unregistered SecuritiesBefore instructing us to buy/sell/transfer/deposit securities that are: (a) “restricted secu-rities” or securities of an issuer of which you are an “affiliate” (as those terms are defined in Rule 144/144(b)1 under the Securities Act of 1933); (b) securities that are being bought/sold in reliance on Rule 701, Rule 144A, Regulation D, or Regulation S under said Act; or (c) securities of which you and the issuer or its underwriter have entered into an agreement restricting the transferability of such securities (penny stock/micro-cap securities that do not trade on a national securities exchange are required to go through the acceptance review process), you agree to tell us the status of your restricted/control/micro-cap securities, includ-ing any restrictions (including contractual lock-
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我方將於閣下聯絡我方後的.90 日內，決定轉帳是否出現錯誤，並將即時修正有關錯誤。我方將於完成調查的三個營業日內通知閣下有關結果。若我方認為並無出現錯誤，我方將向閣下發出書面解釋。閣下可索取我方於調查中使用的任何文件副本。
若閣下欲取消消費者外國 (非美國) 電匯轉帳，應該如何處理閣下有權取消消費者外國.(非美國) 電匯轉帳，並獲退回所有支付予我方的款項，包括任何費用。如欲取消，閣下必須於作出轉帳付款的.30 分鐘內致電上述電話號碼聯絡我方。
當閣下聯絡我方時，閣下必須提供資料以協助我方確認閣下欲取消的轉帳，包括金額及傳送地點。.若款項未經提取或存入收款人的帳戶，我方將於.閣下要求取消轉帳的三個營業日內向閣下退回.有關款項。
接收轉帳結算經紀可能會收到向閣下帳戶付款的指示，包括電匯轉帳、透過自動結算公司.(ACH) 系統傳送的轉帳及直接轉入設在我方的帳戶。結算經紀可以通過.ACH 等資金轉帳系統，或某些其他通訊系統，直接接收由付款人發出的資金轉帳。
我方收到電匯轉帳或.ACH 轉帳後，將於閣下的帳.戶結單把轉帳列出以通知閣下，而不會就每項.轉帳另行發出通知。閣下亦可透過我方於.www.schwab.com.hk 的網上服務，獲取轉帳.資料。
ACH臨時付款規則根據.ACH 規則，通過.ACH 系統傳送的資金轉帳屬臨時性質，在最終結算前可能會被撤銷。閣下同意涉及閣下帳戶的.ACH 轉帳須受.ACH 規則的約束。
若在最終結算前ACH轉帳被撤銷，而我方沒有收到最終結算，我方可能會從閣下的帳戶中取回之前已
貸記的任何款項，而傳送付款指示的人將被視作未曾向閣下付款。若發生此情況，我方將不會另行發出通知，我方會透過閣下的帳戶結單的貸記及收費通知閣下。
責任若我方或結算經紀須支付因我方在處理閣下付款指示中的出錯或延誤而引致的利息損失，我方將按適用於閣下帳戶的利率並依據錯誤出現的時間計算對閣下的賠償。
無論在任何情況下，我方或結算經紀均毋須就任何特殊、間接或相應而產生的損害賠償.(即使我方獲通知可能會產生此等損害)，包括但不限於利潤或收益的損失，除非適用的法律有所規定。
遵從規則及法例閣下同意遵從適用的付款系統規則，包括美國國家自動結算所協會(National Automated Clearing House Association (NACHA)) 的運作規則、美國法例及規定、以及任何其他適用法例。
閣下就購買、出售、轉讓、存入受管制、受限制或非註冊證券之責任在指示我方購買、出售、轉讓或存入下列證券前.:.(a)「受限制證券」或閣下為其發行商之「聯屬人士」(該等詞彙定義見於美國證券法.(1933年) 第144條144(b)1) 的證券.; 或.(b) 遵循上述法案第.701 條、第144A 條、D 法規或.S 法規而購買／出售之證券.; 或.(c)閣下與發行人或其包銷商已達成限制轉讓協議之證券.(不在全國性證券交易所進行交易之細價股／微型證券應按規定執行接納審核程序)，閣下同意告知我方閣下所持有的受限制／受管制／微型證券的有關情況，包括對閣下購買／出售／轉讓／存入此類證券的任何資格限制.(包括合同鎖定及禁制限制)，並盡速提供我方履行監管義務時所需的任何相關資料及文件。
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up or blackout restrictions) on your ability to buy/sell/transfer/deposit such securities, and to promptly furnish whatever information and documents we need to comply with our regula-tory duties.
You acknowledge that furnishing the necessary information and documents to Schwab Hong Kong or the Clearing Broker does not constitute an order to buy/sell your restricted/control securities, and that you must place a separate order to buy/sell by telephone or using the Electronic Services. You agree that you are responsible for all costs, including the cost to repurchase or resell stock, if you buy/sell/transfer/deposit stock that is later found to be restricted or nontransferable.
You further acknowledge that proceeds from the sale of your restricted/control securities may not be made available to you for with-drawal or trading purposes until Schwab Hong Kong or the Clearing Broker receives what it, in its sole opinion, considers to be adequate verification that your restricted/control shares have been transferred or cleared for transfer. Because restricted/control securities transac-tions require special handling by both Schwab Hong Kong or the Clearing Broker and third parties, processing your transaction may require several weeks, during which time the price of your securities may fluctuate. You agree not to hold Schwab Hong Kong or the Clearing Broker responsible for market fluctuations that may occur to the market price or settlement of your securities while your transaction is processed. You further agree not to hold Schwab Hong Kong or the Clearing Broker liable for delays in the buy/sale (or settlement of such buy/sale) of your restricted/control securities resulting from the failure of issuer’s counsel to issue or approve any necessary legal opinion, the failure of the transfer agent to process your shares, or any other action or failure to act of a third party. You agree not to tender restricted/control secu-rities as collateral for an obligation you owe us, unless you first obtain our prior written approval.
Your Responsibilities for Understanding Terms of SecuritiesCertain Securities may impart valuable rights that expire unless you take some action. For example:
• Warrants and stock purchase rights typically may be exercised only on or before a speci-fied expiration date;
• Some convertible redeemable securities will be redeemed automatically unless you exer-cise your conversion rights before a specified redemption date;
• Some bonds may be redeemed, at the hold-er’s option, only during specified periods; or
• Some Securities may become the subject of tender or exchange offers, which are limited in time.
You are responsible for knowing the rights and terms of your Securities and for taking action to realize the value of your Securities. However, if:
• Any such Security is about to expire worthless or to be redeemed for significantly less than its fair market value; and
• Schwab Hong Kong has not received instruc-tions from you;
Schwab Hong Kong may, at its discretion, instruct the Clearing Broker to sell the Security and credit your account with the proceeds. You will be charged a brokerage commission for any such transaction.
Note: Although Schwab Hong Kong may take the actions described above, Schwab Hong Kong is not obligated to do so or to notify you of impending expiration or redemption dates. You agree not to hold Schwab Hong Kong liable for any decrease in the value of your Securities or other losses resulting from your failure to give Schwab Hong Kong instructions on how to respond to a tender offer, exchange offer, or other offer or transaction.
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閣下知悉並認同向香港嘉信理財或結算經紀提供必要的資料及文件並不構成購買／出售閣下所持受限制／受管制證券的指令，而閣下須另行以電話或電子服務的方式發出購買／出售指令。閣下同意負擔全部費用，包括當閣下購買／出售／轉讓／存入的證券事後被確認為受限制或不可轉讓證券時，再賣或購回證券時所需的一切費用。
閣下進而認同出售受限制／受管制證券所得之款項並不一定可立即用作提款或買賣，直至香港嘉信理財或結算經紀全權決定已獲足夠確認閣下的受限制／受管制股份已轉讓或無任何轉讓限制的明確消息。由於受限制／受管制證券的交易須經由香港嘉信理財或結算經紀及第三方特殊處理，閣下的交易處理過程可能歷時數個星期，因而在此期間閣下證券的價格可能發生波動。閣下同意香港嘉信理財或結算經紀毋須對在閣下交易的處理過程中，證券市價及結算可能產生的市場波動負責。閣下進而同意香港嘉信理財或結算經紀毋須對因發行人的法律顧問未能發佈或核准任何所需的法律意見.; 或因過戶代理人未能處理閣下的股份.; 或因第三方的其他任何行為或不作為而致使閣下的受限制／受管制證券.(或此等出售的結算) 延誤出售而承擔任何責任。閣下認同除非事先取得我方書面同意，否則將不會提供受限制／受管制證券作為閣下尚須支付我方之欠款抵押。
閣下理解證券條款的責任某些證券可能給予一些有價權利，但閣下必須在一定限期內作出某些行動，例如.:
•. 認股權證和購股權利一般只可以在指定的有效期屆滿的日期或以前行使.;
•. 有些可轉換的可贖回證券，閣下須在指定的贖回日期以前行使轉換權，否則該等證券會被自.贖回;
•. 某些債券只供持有人在指定時間內決定是否.贖回.; 或
•. 某些證券會成為收購或換股建議的對象，而該等建議是有時間限制的。
閣下須負責了解所持證券之權利和條款，並採取行動使該等證券的價值變現。但假如.:
•. 任何該等證券的有效期快將屆滿並可能變得毫無價值，或是將會被以大大低於公平市值的價格贖回時.; 及
•. 香港嘉信理財並沒有收到閣下的指示.;
香港嘉信理財可行使酌情權將證券出售並將所得收益存進閣下的帳戶。閣下須就任何該等交易繳付經紀佣金。
註.: 香港嘉信理財可以但並無責任採取上述行動亦無責任把關於有效期或贖回日期將屆的消息通知閣下。閣下同意，閣下不會因未有給予香港嘉信理財對收購建議、交換建議、以及其他建議或交易作回應的指示，導致閣下的證券價值下跌或蒙受其他損失，而需要香港嘉信理財對此負責。
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Accuracy of Account InformationYou represent and warrant that:
• If you are a natural person, you and any person with discretion over the account has attained the age of majority;
• You have supplied accurate information in your Account Application;
• No one, except the Account Holders listed on the Account Application (and, if community property is held, the Account Holders’ spouses), has an interest in your Schwab Hong Kong U.S. Dollar Account.
In addition, you agree to notify Schwab Hong Kong in writing of any important change in the information you supplied on the Account Application. In particular, you agree to notify Schwab Hong Kong if any of the above repre-sentations and warranties become false or if you are or you become:
• A director, 10% beneficial shareholder, policy-making officer or otherwise an “affiliate” (as defined in Rule 144 under the United States Securities Act of 1933) of a company publicly traded in the United States;
• Affiliated with or employed by a securities exchange or corporation controlled by a securities exchange, or a member of a securi-ties exchange or a securities association; or
• A “U.S. Person” as defined under the Securities Act of 1933, as amended.
We shall notify you in writing of any material change in the information about Schwab Hong Kong contained in this Agreement.
Joint AccountsIf there is more than one Account Holder, each Account Holder is jointly and severally liable for obligations arising under the Account Agreement or relating to the Schwab Hong Kong U.S. Dollar Account. Each joint Account Holder has authority, acting individually and without notice to any other Account Holder, to deal with us as fully and completely as if the Account Holder were the sole Account Holder. Schwab Hong Kong is authorized to follow the instructions of any joint Account Holder and to deliver funds, Securities or Other
Property in the Schwab Hong Kong U.S. Dollar Account to any Account Holder or on any Account Holder’s instructions. Neither Schwab Hong Kong nor the Clearing Broker is responsible for deter-mining the purpose or propriety of an instruction Schwab Hong Kong receives from any Account Holder or for the disposition of payments or deliveries among joint Account Holders. Schwab Hong Kong reserves the right to require written instructions from all Account Holders, at its discretion. We reserve the right, but are not obligated, to place trading, disbursement and other restrictions on an account in the event we receive notice of a dispute involving the account or conflicting instructions from joint Account Holders. Any notice Schwab Hong Kong sends to one Account Holder will be deemed notice to all Account Holders.
TerminationYou may close your Schwab Hong Kong U.S. Dollar Account at any time by giving Schwab Hong Kong notice. Schwab Hong Kong may terminate any or all services rendered under the Account Agreement at any time and for any reason. Closing an account or terminating services will not affect any rights and obliga-tions incurred prior to closure or termination.
Approval of Application, Credit Verification and Account InformationThe Account Agreement is effective only after Schwab Hong Kong approves your Account Application. Schwab Hong Kong may decline your Account Application for any reason. When you submit your Account Application, you autho-rize Schwab Hong Kong to:
• Verify your creditworthiness (and your spouse’s if you live in a jurisdiction with com-munity property). To obtain verification, Schwab Hong Kong will require one or more bank references and may contact your employer (and your spouse’s, if applicable), obtain credit reports and make other inquiries.
• Provide account information to others, includ-ing any Clearing Broker, agent or credit report-ing agency, governmental or regulatory body, and court or agency with anti–money launder-ing function, in any jurisdiction.
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帳戶資料的準確性閣下謹此陳述及保證.:
•. 假如閣下是一位自然人，閣下和任何有權運作該帳戶的人士的年齡均已達成年歲數.;
•. 在閣下所提交的帳戶申請中，閣下提供的資料皆準確無誤.;
•. 除了帳戶申請中所列明的帳戶持有人.(以及帳戶持有人的配偶，倘屬於共同財產) 外，並無任何其他人士在閣下的香港嘉信理財美元帳戶中.享有權益。
此外，倘閣下於帳戶申請表格所提供之資料出現任何重大更改，閣下同意以書面通知香港嘉信理財。特別是倘若上述任何聲明及保證成為虛假或倘若閣下是或成為下列各項，則閣下同意通知香港嘉信理財.:
•. 為美國公開上市之公司之董事、10% 實益股東、政策制訂人員或以其他方式作為「聯屬人士」.(定義見美國證券法.(1933年) 第144條) ;
•. 與一間由證券交易所、或證券交易所控制之公司或證券交易所之會員或與證券組織有聯屬或聘用之關係.; 或
•. 為「美國人士」，定義見.1933 年證券法.(經.修訂)。
我方會通知閣下本協議所載有關香港嘉信理財資料所出現之任何實質更改。
聯名帳戶假如有多於一位帳戶持有人，則各帳戶持有人須共同及個別地承擔帳戶協議下的或是與香港嘉信理財美元帳戶有關的責任。每一聯名帳戶持有人均可以與我方進行交易，就如該帳戶持有人乃唯一的帳戶持有人一樣。香港嘉信理財獲授權遵照任何一位
聯名帳戶持有人的指示行事，並有權將存放於香港嘉信理財美元帳戶中的款項、證券或其他財產交付任何帳戶持有人，或是按任何帳戶持有人的指示處理。香港嘉信理財及結算經紀並無責任確定每一從任何帳戶持有人而來的指示的目的或其是否恰當，或各帳戶持有人間如何處置對所收取的款項或證券。香港嘉信理財保留酌情權要求每一帳戶持有人皆給予指示。假如我方得悉發生與某個帳戶有關的爭議，或接獲各聯名帳戶持有人方面相互牴觸的指示，則我方保留.(但並非必須) 對該帳戶設定買賣、支付或其他限制的權利。香港嘉信理財發給任何一位帳戶持有人的通知，將視為已發給所有帳戶持有人的通知。
終止閣下可給予香港嘉信理財通知隨時結束閣下的香港嘉信理財美元帳戶。香港嘉信理財可基於任何原因，在任何時間終止根據帳戶協議而提供的任何或所有服務。任何在結束該等帳戶或終止該等服務前產生的權利和責任不受影響。
批准申請、信貸核實及帳戶資料只有當香港嘉信理財批准了閣下的帳戶申請後，.帳戶協議才能生效。香港嘉信理財可以任何的.原因拒絕閣下的帳戶申請。當閣下遞交帳戶申請時，閣下同時授權香港嘉信理財.:
•. 核實閣下的借貸可靠性.(以及閣下配偶的借貸能力，倘閣下居於容許共同財產的司法管轄區)。.為了進行核實工作，香港嘉信理財可按需要取得一家或以上的銀行所提供的信用查詢，並或向閣下的僱主.(以及如適用，閣下配偶的僱主)，索取信用報告及作出其他查詢。
•. 向其他人士提供帳戶資料，包括任何執行經紀或結算經紀、代理人或信用報告機構、政府或監管機構、以及任何司法管轄區的法院或執行反清洗黑錢的機關。
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Account Control CertificationsYou acknowledge that this Account Agreement and your Schwab Hong Kong U.S. Dollar Account may be subject to U.S. economic sanc-tions and embargo laws, including but not limited to the Trading With the Enemy Act, the International Emergency Act and similar laws; violations of which may be subject to U.S. civil and criminal penalties. You specifically repre-sent and warrant that you have not been desig-nated by the U.S. Department of Treasury’s Office of Foreign Assets Control (“OFAC”) as a Specially Designated National or blocked per-son, that you have no reason to believe that you would be considered a blocked person by OFAC, and that you are not acting as agent of any such person. You further represent and warrant that you are not employed by, acting as agent of, or partially owned or controlled by a government, a government-controlled entity or a government corporation except as you have indicated on your Account Application with Schwab Hong Kong.
Losses Due to Extraordinary EventsNeither Schwab Hong Kong nor the Clearing Broker is responsible, and you agree not to hold either liable for losses caused directly or indi-rectly by conditions beyond our control, including but not limited to, war, natural disasters, govern-ment restrictions, exchange or market rulings, strikes, interruptions of communications or data processing services, news or analysts’ reports, market volatility, or disruptions in orderly trading on any exchange or market.
Order Routing and ExecutionIn arranging for the execution of Non-Directed Orders for equities and listed options, Charles Schwab & Co., Inc. (the “Clearing Broker”) seeks out industry-leading execution services and access to the best-performing markets. The Clearing Broker routes orders for execution to unaffiliated broker-dealers, which may act as market maker or manage execution of the orders in other market venues, and also routes orders directly to major exchanges. The Clearing Broker considers a number of factors in evaluat-ing execution quality among markets and firms, including execution price and opportunities for price improvement; market depth and order size;
the trading characteristics of the security; the speed of accuracy of executions; the availability of efficient and reliable order handling systems; liquidity and automatic execution guarantees; service levels; and the cost of executing orders at a particular market or firm. Price improve-ment occurs when an order is executed at a price more favorable than the displayed national best bid or offer. The Clearing Broker regularly monitors the quality of executions obtained to ensure orders are routed to market venues that have provided high-quality executions over time. The Clearing Broker may receive remuneration, such as liquidity or order flow rebates, from a market or firm to which orders are routed. Quarterly information regarding the markets to which the Clearing Broker routes orders and the remuneration received is available on our web-site at www.schwab.com or in written form upon request. Information regarding the specific routing destination and execution time of your orders for up to a six-month period is also available upon request. The Clearing Broker may execute fixed income orders for customers as agent or as principal for our own account. In the bond market, there is no centralized exchange or quotation service for most fixed income products. Prices generally reflect activity by market participants or dealers linked to various trading systems. A small number of corporate bonds are listed on national exchanges. Although the Clearing Broker seeks access to major trading systems, exchanges, and dealer markets in an effort to obtain competitive pric-ing, at any given time it is possible that securi-ties could be available through other trading systems, exchanges, or dealers at superior or inferior prices compared to those available at the Clearing Broker. All prices are subject to change without prior notice.
Extended Hours Trading SessionCharles Schwab & Co., Inc.’s (Clearing Broker’s) extended hours trading offering has two compo-nents: a pre-market session that operates from 7:00 a.m. to 9:25 a.m. U.S. Eastern Standard Time (ET), and an after-hours session that operates from 4:05 p.m. to 8:00 p.m. ET. These sessions are completely independent from the regular market session.
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帳戶管制證明書閣下承認本帳戶協議及閣下之香港嘉信理財美元帳戶可受美國經濟制裁及禁運法例所規限，包括但不限於與敵方貿易法、國際緊急事件法及類似法例.; 違反該等法例可能會受美國民事及刑事處罰。閣下須特別聲明及保證閣下概無受美國財政部之外國資產控制辦公室.(Office of Foreign Assets Control —“OFAC”) 指定為特別指定國籍人士或受封鎖人士，而閣下概無理由相信閣下會被.OFAC認為是受封鎖人士，且並非作為任何該等人士之代理人。閣下進一步聲明及保證，除了閣下在帳戶申請表格中向香港嘉信理財有所指明外，閣下並非受政府、政府掌控之實體或國營公司聘用、部分擁有或控制、或作為其代理人。
因特殊事故而招致之損失香港嘉信理財及結算經紀對於其控制範圍以外之情況.(包括但不限於戰爭、天災、政府限制、證券交易所或市場決定、罷工、通訊或數據處理服務中斷、新聞或分析員報告、市場波動或任何證券交易所或市場之正常買賣受到擾亂) 所直接或間接引致之損失概不負責，而閣下同意不會向我方追究.法律責任。
買賣指示傳遞及執行嘉信理財公司（「結算經紀」）在執行股票及上市期權之非定向買賣盤時，會物色領先業界的交易執行服務，並盡可能進入表現最佳的市場。結算經紀將買賣盤傳遞給非聯屬的經紀交易商執行(他們可能在其他市場場地擔當莊家或管理買賣盤的執行)，並且亦會直接傳遞買賣盤給主要的交易所。結算經紀在評估各市場及公司的執行質素時考慮若干
因素，包括執行價格及價格得以改善之機會、市場深度及交易額、證券交易特點、執行速度及精準度、買賣盤處理系統效率及可靠性、流動性及自動執行保證、服務範圍及於個別的市場或公司執行買賣盤之費用。價格得以改善是指所執行的買賣價格優於所顯示的、全國最佳買賣報價。結算經紀定期檢視所獲的執行質素，以確保買賣盤獲傳遞給長期提供高質素執行服務的市場場所。結算經紀有可能從接收買賣盤傳遞的市場或公司獲取報酬，如流動量或交易流量回扣。有關結算經紀所傳遞買賣盤的市場及其所獲取報酬的季度資料，可瀏覽我方網站.www.schwab.com 或索取書面資料。您亦可索取您在六個月內所作的買賣盤之具體傳遞目的地及執行時間的資料。結算經紀可以代理人的身份為客戶執行固定收入的買賣盤或以主事人的身份為我方的帳戶執行交易。在債券市場，大部份的固定收入產品均無中央交易或報價服務。價格通常反映與各交易系統掛鉤的市場參與者或證券商的交易活動。只有小部份的公司債券於全國交易所上市。雖然結算經紀爭取進入主要的交易系統、交易所及證券商市場以取得具競爭力的價格，但亦可能在任何時候其他的交易系統、交易所或證券商所提供的證券比結算經紀的價格較佳或較劣。所有價格如有更改，恕不提前通知。
延長交易時段嘉信理財公司.(結算經紀) 提供的延長交易時段分為兩個部分。開市前時段由美國東部標準時間.(ET) 上午.7 時正至上午.9 時.25 分運作。休市後時段由美國東部標準時間下午.4 時.05 分至晚上.8 時正運作。這兩個時段與正常的市場交易時段完全獨立分開。
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Orders for the pre-market session may be entered beginning at 8:05 p.m. ET on the prior trading day, but will not be eligible for execution until the session officially opens at 7:00 a.m. ET. Orders for the after-hours trading session can be entered and will be eligible for execution beginning at 4:05 p.m. ET on the following trading day.
Other financial service providers may offer trading services outside of regular market hours that differ significantly from Schwab’s extended hours trading sessions.
Order TypesThe Clearing Broker only accepts limit orders in extended hours trading sessions. Market orders will not be accepted.
Order PricesThe Clearing Broker does not accept limit orders in sub-penny prices. A sub-penny price is any price entered more than two digits to the right of the decimal (e.g., 0.123, 1.123, 10.1234, etc.).
Maximum Share SizesThe maximum share size is 25,000 shares in extended hours trading sessions.
Extended Hours Trading Session Disclosure • Risk of Lower Liquidity. Liquidity refers to the
ability of market participants to buy and sell securities. Generally, the more orders that are available in a market, the greater the liquidity in that market. Liquidity is important because with greater liquidity it is easier for investors to buy or sell securities and, as a result, investors are more likely to pay or receive a competitive price for securities purchased or sold. There may be lower liquid-ity in extended hours trading as compared to regular trading hours. As a result, your order may only be partially executed, or not at all.
• Risk of Higher Volatility. Volatility refers to the changes in price that securities undergo when trading. Generally, the higher the volatility of a security, the greater its price swings. There may be greater volatility in extended hours trading than in regular trading hours. As a result, your order may only be partially exe-cuted, or not at all, or you may receive an inferior price when engaging in extended
hours trading than you would during regular trading hours.
• Risk of Changing Prices. The prices of securi-ties traded in extended hours trading may not reflect the prices either at the end of regular trading hours, or upon the opening the next morning. As a result, you may receive an inferior price when engaging in extended hours trading than you would during regular trading hours.
• Risk of Unlinked Markets. Depending on the extended hours trading system or the time of day, the prices displayed on a particular extended hours trading system may not reflect the prices in other concurrently operat-ing extended hours trading systems dealing in the same securities. Accordingly, you may receive an inferior price in one extended hours trading system than you would in another extended hours trading system.
• Risk of News Announcements. Normally, issuers make news announcements that may affect the price of their securities after regu-lar trading hours. Similarly, important financial information is frequently announced outside of regular trading hours. In extended hours trading, these announcements may occur during trading and, if combined with lower liquidity and higher volatility, may cause an exaggerated and unsustainable effect on the price of a security.
• Risk of Wider Spreads. The spread refers to the difference in price between what you can buy a security for and what you can sell it for. Lower liquidity and higher volatility in extended hours trading may result in wider than normal spreads for a particular security.
Appropriateness of Extended Hours Trading Schwab does not warrant or recommend that extended hours trading is appropriate for you. As noted above, extended hours trading involves special risks, and it may not be appro-priate for all investors. Investment decisions you make involving extended hours trading are your responsibility.
Potential Changes to Extended Hours TradingThe Clearing Broker reserves the right to change its extended hours trading session. You
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開市前時段的買賣指示可於前一個交易日的美國東部標準時間晚上.8.時.05.分開始輸入，但要直至美國東部標準時間上午.7.時正式開市時，才有資格獲執行下一個交易日。休市後時段的買賣指示可於美國東部標準時間下午.4.時.05.分開始輸入.並將有資格執行。
其他金融服務供應商可能會提供於正常的市場交易時間以外的交易服務，並與嘉信的延長交易時段有顯著不同。
買賣指示類型結算經紀在延長交易時段只接受限價買賣盤。.市價盤將不獲接受。
買賣指示價格結算經紀不接受低於一分美金價格的限價買賣盤。低於一分錢的價格是任何在小數點右邊輸入超過兩位數(即.0.123，1.123，10.1234等) 的價格。
最高股數延長交易時段的最高股數為.25,000股。
延長交易時段披露聲明•. 資金流動性較低的風險。資金流動性是指市場投資者購買和沽售證券的能力。一般而言，一個市場有越多的買賣指示供求，該市場的資金流動性就越大。資金流動性是重要的，因為有較大的資金流動性，投資者就較容易購買或沽售.證券，而投資者因此就較有可能支付或獲得有競爭力的價格以購回或沽售證券。與正常的交易時間相比，延長交易時段可能會有較低的資金流動性。因此，您的買賣指示可能只有部分.獲執行，或完全不獲執行。
•. 波動性較高的風險。波動性是指交易進行時證券價格的變動。一般而言，證券的波動性越高，其價格的波動就越大。延長交易時段可能會比.正常交易時間有較高的波動性。因此，您的買賣指示可能只有部分獲執行，或完全不獲執行.; 又或
者您在延長交易時段進行買賣時，可能會比在正常交易時間得到較差的價格。
•. 價格變動的風險。在延長交易時段進行交易的證券價格，可能無法反映在正常交易時間結束時、或第二天早上開市時的價格。因此，您在延長交易時段進行買賣時，可能會比在正常交易時間得到較差的價格。
•. 無掛鉤之市場的風險。視乎延長時段交易系統或當天的時間，一個特定的延長時段交易系統顯示的價格可能無法反映於同時間在其他延長交易時段系統買賣相同證券的價格。因此，您在一個延長時間交易系統獲得的價格可能會比在另外一個延長時間交易系統得到的價格較差。
•. 新聞佈告的風險。通常，發行公司會在正常交易時間結束後發表有可能影響其證券價格的新聞佈告。同樣地，一些重要的財務信息經常在正常交易時間以外宣佈。在延長交易時段當中，這些佈告可能在交易過程中發佈.; 如果加上較低的資金流動性和較高的波動性，可能會對證券的價格導致誇大和不可持續的影響。
•. 較大差價的風險。差價是指您可買入和沽出證券之間的價格差異。延長交易時段中較低的資金流動性和較高的波動性，可能會對一個特定的證券造成比正常情況較大的差價。
延長交易時段的適合性嘉信不保證或建議延長交易時段適合於您。如上.所述，延長交易時段涉及特殊風險，並可能不適合所有投資者。您對涉及延長交易時段所作的投資.決定全屬您的責任。
延長交易時段被更改的可能性結算經紀保留權利改變其延長交易時段。您
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will need to keep up to date on these changes and review how they might affect your own investment decisions.
Clearly Erroneous PolicyThe Clearing Broker may be subject to the Electronic Market’s “clearly erroneous policies.” A clearly erroneous trade occurs when some-one has entered an order with an obvious error in any term, such as security identification, price, or number of shares. Upon request, the Electronic Market may review a transaction to determine if it was clearly erroneous and may reverse or “break” such a trade. This could have the effect of placing you in the position you were in before the transaction. If you wish to have a transaction reviewed, please contact a Schwab representative immediately, as you must make an appeal within 30 minutes of the execution time for a “break” to be considered.
Electronic Services Agreement and Use AgreementYour use of the extended hours trading session is governed by your existing account agreement with Schwab Hong Kong, including the “Electronic Services Agreement.” The informa-tion, news, research, quotations, and other content available to you during the extended hours trading session are also subject to the “Use Agreement.” As a Schwab Hong Kong customer, you have previously consented to these agreements, which are available for your review under the Agreement link that appears on one or more pages at www.schwab.com.hk.
Processing and Execution of Electronic TransactionsWe may elect to review electronic transactions manually before they are submitted. This man-ual review may result in a delay in execution. For securities transactions, this delay may cause a difference between the execution price and the displayed quote at the time the order was entered. This delay may also result in a limit order becoming ineligible for execution. For electronic funds transfers and wires, this manual review may delay when funds are paid or made available.
Mutual Fund Fees, Orders, Distributions and RedemptionsYou agree that, in purchasing and redeeming shares of a mutual fund through Schwab Hong Kong, Schwab Hong Kong’s or the Clearing Broker’s policies and procedures will govern such transactions and not those of the mutual fund as described in its prospectus, which may be either more or less beneficial to you as an investor. In particular, you agree that Schwab Hong Kong’s or the Clearing Broker’s policies and procedures on minimum investment require-ments, exchange of fund shares, dividend accrual and date for payment of accrued dividends upon redemption of a daily dividend fund may vary from those applicable to direct fund share-holders. You may also be charged a fund’s redemption fee that would not be imposed by the fund on direct shareholders holding fund shares under the same circumstances.
Schwab Hong Kong imposes short-term redemp-tion fees on certain mutual fund transactions and reserves the right to restrict individuals who engage in short-term trading of mutual funds from purchasing some or all funds avail-able through Schwab Hong Kong. Our short-term redemption policy, including applicable fees and other restrictions, is available at www.schwab.com.hk and upon request. Schwab Hong Kong or the Clearing Broker may also charge a transaction fee for certain mutual fund transactions; you would not incur this fee if you purchased shares directly from a fund company. Your purchase and sale of mutual fund shares may be subject to additional fees the fund imposes, such as sales loads and contingent redemption fees, that are separate from, and in addition to, the transaction and other fees charged to you by Schwab Hong Kong or the Clearing Broker. You agree to pay, and are solely responsible for payment of, all fees charged to you by Schwab Hong Kong or the Clearing Broker and/or any fund.
Schwab Hong Kong’s or the Clearing Broker’s deadline for receiving customer orders to place with a mutual fund for execution at the price next calculated by the fund may be earlier than the deadline set by the fund in its prospectus. It is your responsibility to verify with us the
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需要保持隨時跟上這些更改，並檢查它們如何可能影響您自己的投資決定。
對明顯錯誤採取之政策結算經紀可能會受到電子市場之「對明顯錯誤採取之政策」所約束。明顯錯誤的交易發生，是當有人輸入了在任何用語上均屬明顯錯誤的買賣指示，如證券識辨、價格或股份數量。根據要求，電子市場可能審查其交易以確定是否有明顯錯誤，並可能還原或「中斷」此等交易。這可能引致您恢復到您在交易前的狀況。如果您希望審查該交易，請立即聯絡嘉信理財代表，因為您必須在執行時間.30 分鐘之內提出上訴，「中斷」才會被考慮。
電子服務協議及使用協議您於延長交易時段的使用，由與香港嘉信理財.之間現有的帳戶協議，包括「電子服務協議」所.管制。於延長交易時段提供給您的信息、新聞、研究、報價單，和其他內容也同時受到「使用協議」.所約束。作為香港嘉信理財的客戶，您預先已同意.這些協議。這些可供您檢閱的協議，在網站.www.schwab.com.hk 刊登協議書環節的一個.或多個頁面上有記載。
電子交易處理及執行我方可能選擇性於電子交易被送交前由職員人手檢查。此檢查或會導致交易延遲執行。如屬證券.交易，此延遲可能導致執行價格與輸入指令時之顯示報價有所差異。此延遲亦可能引致限價盤未能執行。如屬電子資金轉賬或電匯，此人手檢查可能會延遲資金的支付或可供使用的時間。
互惠基金的費用、訂單、分派及贖回透過香港嘉信購買和贖回互惠基金的股份時，您同意香港嘉信或結算經紀的政策和程序將規範這類交易，而非受公開說明書中所敘述之互惠基金的政策和程序所規範，這可能或多或少對作為投資者的您有利。尤其，您同意香港嘉信或結算經紀對於最低投資要求、基金股份的交換、應計股息，和贖回每日計息股息基金時之應計股息付款日期的政策和程序可能與適用於直接持有基金之股東的政策和程序有所不同。您也可能被收取基金的贖回費用，而在相同情況下該基金則不對直接持有基金.股份的股東收取該筆費用。
香港嘉信會對某些互惠基金交易收取短期贖回費用，並有權禁止進行互惠基金短期交易的個人透過香港嘉信購買部分或全部的基金。關於我們的短期贖回政策，包括適用費用和其他限制，請瀏覽.www.schwab.com.hk，並可向我們索取資料。香港嘉信或結算經紀有可能對某些互惠基金交易也收取交易費用；如果您直接向基金公司購買股份便不需支付此一費用。該基金可能對您購買及出售互惠基金股份收取額外的費用，例如銷售手續費和或有贖回費用等，且此等費用不包括在香港嘉信或結算經紀收取的交易及其他費用內，並需另外計算。.您同意全權負責支付香港嘉信或結算經紀及／或任何基金向您收取的所有費用。
香港嘉信或結算經紀收取客戶以基金下一次計算之價格執行的互惠基金訂單的截止期限也許早於基金公開說明書中所訂的截止日期。您有責任向我們
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deadline by which you must place your order with Schwab Hong Kong to obtain the next price calculated. We generally will attempt to have orders received by us prior to our deadline accepted by the fund for execution at the price next calculated by the fund. However, you may receive a later price than the price next calcu-lated by the fund if, due to operational incom-patibilities with the fund or other limitations, Schwab Hong Kong or the Clearing Broker is unable to support transmission of the order to the fund prior to the next price calculated by the fund. It is your responsibility to verify with us whether your order will receive the price next calculated by the fund prior to placing your order with Schwab Hong Kong.
In addition, a mutual fund may decline to execute an order for the price next calculated by it if we do not place the order with the fund by a specified time. You agree that we will not be liable to you for any losses, including lost profits, if the mutual fund does not accept your order for execution at the price next calculated by the fund after our deadline for any reason, including, but not limited to, computer system delays or failures, natural catastrophes or other emergencies, or human error resulting in our late placement of the order with the fund. If a mutual fund declines to accept your order for execution at the price next calculated after our deadline because we did not place the order with the fund by a specified time, Schwab Hong Kong or the Clearing Broker reserves the right, but is not obligated, to place your rejected order with the fund for execution at the price next calculated by the fund after its acceptance of the order.
NotificationSchwab Hong Kong will send communications to you at the mailing address shown on your Account Application or to another address you specify, including without limitation any address that you have maintained for you by any third-party provider. For all purposes, including any notice from Schwab Hong Kong or any Clearing Broker, any communication Schwab Hong Kong sends to such an address, whether by mail, or electronic mail (email), telegraph, messenger or by an attempt of its employees to contact you at any of such telephone number(s) shown on
your Account Application or otherwise, is con-sidered delivered to you personally, whether or not you actually receive it and even if such communication is subject to a hold mail request authorized by you.
Confirmations and StatementsOn account statements and trade confirmations, Charles Schwab & Co., Inc. (the Clearing Broker) calculates the quantity, unit price, and market price out to four decimal places if nec-essary. For settlement purposes, the Clearing Broker will round either up or down to the nearest penny any amounts owed to or from the Clearing Broker.
You acknowledge that you have an affirmative duty to promptly review any and all trade confir-mations and account statements for accuracy and completeness and to immediately notify us of any items you believe to be in error. In the absence of manifest errors, you agree to waive any objections to the trades, positions, fund transfers, disbursements, fees and other infor-mation set forth on any confirmations and account statements unless you notify us of any unauthorized transaction or other error in writ-ing within 10 days of mailing.
You agree that we are not liable for any dam-ages or market fluctuations resulting from an error you fail to timely report to us or to your delay in reporting an error to us. If Schwab Hong Kong gives advice directly to you as a Schwab Hong Kong recommendation for you to enter into a particular transaction or transac-tions or to buy or sell a particular security or securities; You agree that any such Schwab Hong Kong recommendation will remain in effect only for as long as we tell you that it will remain in effect at the time we make the recommendation.
Consent to Electronic Delivery of Records and Regulatory InformationAs a condition of your eligibility to receive certain Schwab Hong Kong products, services or offers, or as a condition for you to set up access to your account through the Internet (web) or another Electronic Service, upon notice to you, Schwab Hong Kong may require that you accept delivery of trading confirmations, account statements, prospectuses (inclusive
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確認透過香港嘉信下單的截止期限，以取得下一次計算之價格。我們通常會在基金接受的截止期限之前盡力收集訂單，以便取得以基金下一次計算之價格執行交易。然而，如果因作業上與該基金無法協調配合或因其他限制，導致香港嘉信或結算經紀無法在基金下一次計算之價格前支援訂單的傳輸，您便可能會取得基金下一次計算價格之後的價格。..向香港嘉信下單之前，您有責任向我們確認您的訂單是否會取得基金下一次計算之價格。
此外，如果我們未能在指定時間之前向基金下單，互惠基金可拒絕以下一次計算之價格執行訂單。.如果互惠基金在我們的截止時間後以任何理由，.包括但不限於電腦系統延遲或故障、自然災害或.其他緊急情況，或人為錯誤導致我們延遲向基金.下單，您同意我們無須對您的任何損失(包括利潤損失)負任何法律責任。如果互惠基金因我們未在指定時間之前向基金下單，而拒絕接受您以下一次計算之價格執行訂單，香港嘉信或結算經紀保留權利但無義務向該基金傳送您被拒絕的訂單，在基金接受訂單後以下一次計算之價格執行訂單。
通知香港嘉信理財將按閣下的帳戶申請上所載的通訊地址，或閣下指定的其他地址，包括但不限於由.任何第三者為閣下提供留用的地址，將通知寄給閣下。在任何情況下，香港嘉信理財或任何結算經紀寄往該等地址的通知，無論是以郵遞、電子郵件(電郵)、電報、信差或其僱員試圖按帳戶申請所示的任何電話號碼聯絡閣下或其他方式投送，亦不論閣下
是否已實際收到，均視作已交付予閣下本人，即使閣下已授權我方代為保留郵件。
確認書及結單如有必要，嘉信理財公司.(結算經紀) 就帳戶結單及交易確認書計算數量、單位價格及市場價格時會計及小數後四位。為結算目的，結算經紀會把任何欠負或由結算經紀支付之金額四捨五入計至一分錢。
閣下承認，閣下有肯定的責任，須迅速查閱任何及所有交易確認書和帳戶結單是否準確和完整。假如閣下相信任何地方出現錯誤，須立刻通知我方。在並無任何明顯的錯處時，閣下同意放棄對任何確認書和結單所列的交易、持倉情況、款項轉移、支出、費用及其它資料提出任何異議，除非在投郵後十天內閣下以書面通知我方有關任何未經授權的交易或其他出錯。
閣下同意我方毋須對閣下未能及時通知我方有關錯誤或閣下延誤向我方報告任何出錯而引致的任何損害賠償或市場波動承擔任何責任。如香港嘉信理財直接向您提供為香港嘉信理財的建議，助您進行特定交易或買賣特定的證券.; 您同意任何該等香港嘉信理財的建議只於我方在作出建議時所述的有效時間，才能維持有效。
同意用電子方式傳遞記錄和監管資料作為閣下符合資格收取若干香港嘉信理財產品、服務或要約的其中一項條件或閣下可通過互聯網或其它電子服務接連閣下帳戶的其中一項條件是，香港嘉信理財經對閣下發出通知後，可要求閣下以電子方式.
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of those from other fund managers), issuer information, or other documents by electronic means such as electronic mail (email) or through one of our Internet sites (websites). You agree that, subject to applicable laws and regulations, after such notice, your enrollment in or acceptance of such products, services or offers, or your new access to the Internet (web) or Electronic Services, constitutes your consent to electronic delivery of trade confirmations, account statements, prospectuses, issuer information, or other documents.
Telephone MonitoringSchwab Hong Kong and its Clearing Broker with which you directly communicate may record telephone calls with you (or any agent acting on your behalf) without further notice in an effort to monitor the quality of the service you receive and to verify transaction and other information. Recordings may be used as evidence of the contents of the call.
Cash-in-Lieu PaymentsIf you receive fractional shares as the result of a stock split or other corporate action, we, in our sole discretion, may either sell the shares on the open market or to the issuer or transfer agent, and you are entitled to receive your pro rata portion of the proceeds of such sale. If sold on the open market, the sale price may differ from that offered to certain registered owners by the issuer or transfer agent.
Interest, Dividend, and Other PaymentsIf you are entitled to receive dividend, interest or other payments on investment instruments, the Clearing Broker, in its sole discretion, may choose to pay such proceeds to you only upon receipt of payment by the Clearing Broker from the issuer.
Backup WithholdingBackup withholding is a tax withholding on specific types of payments for federal tax and state tax purposes. Backup withholding may be mandatory in certain circumstances. Most U.S. citizens and residents otherwise known as U.S. persons, which includes (a) a partnership, corporation, company, or association created or organized in the United States or under the laws of the United States, (b) an estate (other than a foreign estate), or (c) a domestic trust
as defined in the Internal Revenue Service (IRS) regulations, will be exempt from backup with-holding if they properly report their name and Taxpayer Identification Number to the payer using Form W-9, affirming their information matches the IRS records, and they have not been notified by the IRS that they are subject to mandatory backup withholding.
Trading or Disbursement RestrictionsYou agree that we or the Clearing Broker may place trading, disbursement or other restric-tions on your Account as Schwab deems neces-sary, including, but not limited to, the following circumstances: pursuant to a court order, tax levy or garnishment; at the request of a govern-ment agency or law enforcement authority, and as permitted by applicable law; in the event that your Account is restricted (including, but not limited to, cash-up-front restriction because of trading or trade-related violations); or in the event of a dispute between joint tenants. Securities in your account may be liquidated to satisfy any court order, garnishment, tax levy or other legal obligation imposed by a court or government agency whether in Hong Kong or the U.S. Neither Schwab Hong Kong nor the Clearing Broker is liable for any trading losses, lost profits, tax obligation or other damages resulting from liquidations or trading or dis-bursement restrictions imposed on your account in connection with a court order, tax levy, garnishment or other legal proceeding. You agree that we may debit your account for a processing fee in an amount as we deem rea-sonable for each garnishment, subpoena, court order or other legal process on your account.
Unclaimed PropertyTo the extent applicable to your account, the unclaimed property law requires the Clearing Broker to turn over to the State of California, U.S., personal property which is unclaimed by its owner after a set period of time. Personal property includes assets in customer accounts as well as uncashed dividend checks and other Clearing Broker checks payable to customers. In general, personal property is considered unclaimed if you have not performed at least one of the following activities within the period of time set by the State of California:
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(如電郵或我方其中一個互聯網網站) 接受交易確認書、帳戶結單、招股說明書.(包括其他基金經理刊發的招股說明書)，發行人資料或其他文件的交付。在符合適用法律和法例的前提下，閣下同意在該通知發出後，閣下認購，使用或接受該等產品、服務或要約或閣下初次接入互聯網或電子服務，即構成閣下同意以電子方式交付交易確認書、帳戶結單、招股說明書、發行人資料或其它文件。
電話監控香港嘉信理財及其結算經紀有權對閣下.(或閣下的代理人) 所作的電話對話，在不予通知的情況下，進行錄音，以監察閣下所獲得的服務的質素，並核實交易和其他資料。對話錄音可作為對話內容的證據。
以現金替代股份若閣下因股份拆細或其它公司行動而收到碎股，我方以其單獨酌情權可在公開市場上或向發行人或過戶代理人出售該等碎股，而閣下則有權按比例收取出售該等碎股所得款項。若碎股在公開市場上售出，有關銷售價格可能與發行人或過戶代理人提供給某些註冊所有人的價格不同。
利息、股息及其他收入支付如閣下可從投資工具中獲得股息、利息或其他收入，結算經紀有權選擇於收到發行人之付款後才將款項撥交閣下。
備用預扣稅備用預扣稅是聯邦及州稅制中一項針對某些特定付款所徵收的預扣稅款。在一些特殊情況下可強制性收取備用預扣稅。大部分美國公民及永久居民，亦稱作「美國人士」 — 其中包括.(a) 於美國境.內或依據美國法律設立或籌辦的合夥企業、股份公司、公司或協會，(b) 財產（外國財產除外），或.(c)美國國稅局.(IRS) 相關法規界定的國內信託，若使用W-9 表格向付款方提供正確姓名及納稅人識別號碼.(TIN)，並確認該信息與國稅局所載資料並無出入，且沒有收到國稅局發出的對其強制徵收備用預扣稅的通知，則可免於繳納備用預扣稅。
買賣或付款限制您同意我方或結算經紀可就嘉信理財認為有必要之情況，包含但不限於下列情形：依據法庭命令、課稅徵收、債權扣押令或政府部門或法律執行機關之要求，根據適用法律的規定，向您的帳戶施加交易買賣、付款及其他限制；亦或您的帳戶受到限制（包含括但不限於因違反交易或交易相關規定而受預付現金之限制）；或聯權共有人之間發生糾紛。閣下帳戶中之證券可因香港或美國的法庭或政府部門所施加之任何法庭命令、課稅徵收、債權扣押令或其他法律責任而遭出售。因就法庭命令、課稅徵收、債權扣押令或其他法律程序而對閣下帳戶施加之平倉或買賣或付款限制而導致之任何買賣損失、盈利損失、稅務責任或其他損失，香港嘉信理財及結算經紀均毋須負上法律責任。閣下同意我方可就對閣下帳戶作出的每一扣押通知、.傳召出庭令、法庭命令或其他法律程序從閣下.帳戶中扣劃我方認為合理的手續費。
無人認領之產業在適用於閣下帳戶的範圍內，結算經紀必須按無人認領產業法將在經過一段設定限期後無人認領之個人產業交予美國加州政府。個人產業包括客戶帳戶內的資產，以及未被兌現之股息及其他結算經紀支付客戶的支票。一般而言，若閣下未在加州設定的時間期限內進行至少任何一項下列活動，.個人產業則被視為是無人認領之產業 :
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• Made a deposit, trade or withdrawal in your account.
• Written to or otherwise contacted either Schwab Hong Kong or the Clearing Broker about your account.
• Otherwise shown an interest in your account.
Before the Clearing Broker turns over the assets in your account (if any), Clearing Broker is required by law to send a notice to the address currently shown on your account state-ment. You may recover unclaimed property turned over to the State of California by con-tacting the State.
Account Denominated in U.S. Dollars; Administration of Foreign Currency Conversion TransactionsYour Schwab Hong Kong U.S. Dollar Account will be denominated in U.S. dollars. You agree that, from time to time, it is desirable for non-U.S. dollar funds to be accepted for your Schwab Hong Kong U.S. Dollar Account, and that it is also desirable for disbursements to be issued to you in non-U.S. dollar funds. You agree that to do so Schwab Hong Kong must obtain certain authorizations from you and wishes to confirm your acceptance of the administration of the functions necessary to effect such deposits and payments. Unless otherwise specified, all check requests will be issued in U.S. dollars.
You hereby authorize Schwab Hong Kong to arrange on your behalf for the purchase and sale of currencies for the purpose of converting funds for deposit to your Schwab Hong Kong U.S. Dollar Account(s) and for converting with-drawals from your account before disburse-ments are made to you. You understand that Schwab Hong Kong will not effect these trans-actions itself; rather, Schwab Hong Kong will engage the services of third parties to effect these transactions. In effecting such transac-tions on your behalf, Schwab Hong Kong is authorized by you to use such third parties as Schwab Hong Kong determines in its sole discretion are necessary and appropriate. You agree that Schwab Hong Kong shall not be
liable for any expense, claim, loss or damage you or any third party may suffer by reason of any act or omission on the part of such agents, banks or custodians. In addition, you agree that Schwab Hong Kong is not responsible for the rate of conversion used to convert non-U.S. dollar funds to U.S. dollars on your incoming deposits, or U.S. dollars to non-U.S. dollar funds for disbursements to you. Schwab Hong Kong will notify you of the rate of conversion upon request, the resulting amount and the person that effected the conversion.
Schwab Hong Kong retains the right at any time to refuse to accept for conversion any non-U.S. dollar currency or to make any non-U.S. dollar disbursement. You understand and agree that Schwab Hong Kong may, in its sole discretion, provide foreign currency services with respect to only a select group of non-U.S. dollar currencies. You further agree that Schwab Hong Kong shall not be required to take any action that may be in contravention of applicable laws and regulations.
You understand and accept any and all risk of foreign currency fluctuations associated with transactions effected on your behalf, and recog-nize that they may affect the balance(s) in your account(s) with Schwab Hong Kong. You also assume risk of currency fluctuation and loss on any items returned to Schwab Hong Kong and further agree to reimburse Schwab Hong Kong for any deficiency, loss or expense incurred on your behalf. You agree that Schwab Hong Kong shall not be liable for any expense, claim, loss or damage suffered by you or any third party in connection with the above-mentioned currency transactions.
You authorize Schwab Hong Kong to charge your account(s) for any fees incurred by Schwab Hong Kong in arranging non-U.S. dollar outgoing or incoming wires, checks and electronic pay-ments of any kind to you as well as any cur-rency conversion transaction or any fee imposed by banks for handling non-U.S. domes-tic items. You also authorize Schwab Hong Kong to charge your account(s) for any and all expenses, fees, charges or penalties incurred by Schwab Hong Kong as a result of your returned items. In the event that the amounts
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•. 於閣下之帳戶進行存款、交易或提款
•. 以書信或其他方式與我們聯絡有關閣下帳戶.之事宜
•. 以任何方式顯示將會處理有關閣下帳戶事宜
根據法例，我們交予閣下帳戶內的資產.(如適用)前，必須發出通知書到閣下帳戶結單上顯示之地址。欲取回已被加洲政府充公的未被認領之產業，閣下可與當地政府聯絡。
美元為貨幣單位之帳戶 ; 外幣兌換交易之管理閣下之香港嘉信理財美元帳戶將以美元為貨幣單位。閣下同意閣下之香港嘉信理財美元帳戶將不時會接受非美元資金及亦以非美元資金向閣下付款。閣下同意在進行上述做法前，香港嘉信理財須取得閣下之若干授權及有需要確認閣下接受此等管理功能，以進行該等存款及付款。除另有所指外，所有支票要求將以美元發出。
閣下在此授權香港嘉信理財替閣下買入或賣出貨幣，以便兌換資金，存入閣下之香港嘉信理財美元帳戶，及在付款予閣下前，將閣下帳戶之提款兌換。閣下明白香港嘉信理財本身不會進行此等交易.; 準確而言，香港嘉信理財會聘請第三方之服務進行此等交易。在替閣下進行該等交易時，香港嘉信理財獲閣下授權，聘用香港嘉信理財完全酌情認為所需及適合之第三方。閣下同意香港嘉信理財毋須對閣下或任何第三方因該等代理人、銀行或託管人之任何行為或疏忽而招致之任何支出、申索、損失或損害負上法律責任。此外，閣下同意香港嘉信理財毋須為對閣下存入款項時，將非美元資金兌換
為美元之兌換率，或向閣下付款時，將美元資本兌換為非美元之兌換率負責。如遇要求時香港嘉信理財會把兌換率、兌換後之款項以及進行兌換之負責人之姓名通知閣下。
香港嘉信理財保留權利，在任何時間拒絕接納兌換任何非美元貨幣，或作出任何非美元之付款。閣下明白及同意香港嘉信理財可完全酌情決定是否為.若干經挑選之非美元貨幣提供外幣兌換服務。閣下亦同意香港嘉信理財毋須採取任何可能與適用法律及規則抵觸之行動。
閣下明白及接納在代表閣下作出外幣交易時所出現波動之任何及所有風險，而確認該等風險可影響閣下在香港嘉信理財之帳戶結餘。閣下亦會承擔退回香港嘉信理財之任何項目之貨幣波動風險及損失，並同意向香港嘉信理財賠償因閣下而招致之任何虧絀、損失或支出。閣下同意香港嘉信理財毋須對閣下或任何第三方在上述貨幣交易中招致之任何支出、申索、損失或損害負上法律責任。
閣下授權香港嘉信理財在閣下之帳戶中，收取香港嘉信理財在安排向閣下繳付非美元之匯出及匯入款項、支票及任何類別電子繳費，以及任何貨幣兌換交易時產生之任何費用，或銀行在處理非美元國內項目時徵收之任何費用。閣下亦授權香港嘉信理財在閣下之帳戶中，收取香港嘉信理財因閣下退回項目而招致之任何及所有支出、費用、收費或罰款。
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in your account(s) are inadequate to cover these expenses, you agree that any remainder owed to Schwab Hong Kong is immediately due and payable.
Residency StatusA Schwab Hong Kong U.S. Dollar Account is designed for non-U.S. persons or entities. Each Schwab Hong Kong customer agrees to com-plete a Substitute U.S. Internal Revenue Service Form W-8BEN to open a Schwab Hong Kong U.S. Dollar Account. You also agree to notify Schwab Hong Kong in the event your residency status changes.
Mutual Fund CertificationsFor United States securities law and tax law purposes (unless you are a bank, broker or other professional fiduciary) you certify the following:
• You understand that the Mutual Funds have not been and will not be registered under the United States Investment Company Act of 1940, as amended (the “Investment Company Act”), and that Mutual Fund shares have not been and will not be registered under the United States Securities Act of 1933, as amended (the “Securities Act”), or the securities laws of any state of the United States and, except as provided in their rel-evant offering documents, may not be offered, sold, transferred or delivered, directly or indirectly, in the United States (for these certifications, “United States” includes its territories and possessions) or to U.S. Persons (as such term is defined below).
• You are not a U.S. Person (see definition below) or a subsidiary of a U.S. Person and, if you are not an individual, to the best of your knowledge and belief, no U.S. Person, alone or together with other U.S. Persons related to such U.S. Person, owns or has an option to acquire, directly or indirectly, ten percent (10%) or more of the value or voting power of the ownership or beneficial interest in you.
• You understand that you are not to be solic-ited to purchase Mutual Fund shares while present in the United States, and you agree that no order to purchase Mutual Fund shares will be made for your account from the United
States (with the exception of actions taken by a U.S. broker, investment advisor or other professional fiduciary with discretionary authority over your account unless your account is for a trust or an estate).
• You agree to acquire Mutual Fund shares for investment purposes only and not with a view toward resale and you will not transfer any Mutual Fund shares or interests therein within the United States or transfer any Mutual Fund shares or interests therein to a person who is a U.S. Person or purchase them for the ben-efit or account of a U.S. Person.
• You are not registered or required to be registered as an investment company under the Investment Company Act or controlled by such an investment company, and you are not a private investment company under Section 3(c)(1) or Section 3(c)(7) of the Investment Company Act.
• If prohibited by the prospectus (or similar disclosure document) of the applicable Mutual Fund, you agree that you will not purchase shares of any Mutual Fund that is organized in the country in which you permanently reside and you agree not to sell or transfer an interest therein of any Mutual Fund shares to a resident of the country in which the Fund is organized or purchase shares for the account or benefit of such person.
You agree not to purchase shares of any Mutual Fund if you are otherwise prohibited from purchasing shares of such Mutual Fund by its prospectus (or similar disclosure document).
• You are an exempt foreign person under the United States tax laws and have provided (or will provide concurrently with this form) to Schwab Hong Kong a properly completed and executed Substitute U.S. Internal Revenue Service Form W-8BEN.
If you are a bank, a broker or other professional fiduciary and are acquiring Mutual Fund shares on behalf of clients you hereby make the certifi-cations set forth above in this section entitled “Mutual Fund Certifications” on behalf of such clients and further covenant that you will notify Schwab Hong Kong if you become aware that any such client has become a U.S. Person or a
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倘若閣下帳戶內之款項不足以支付該等支出，閣下同意欠負香港嘉信理財之餘額應即時到期及繳付。
駐居地位香港嘉信理財美元帳戶專為非美國人士或企業而設。每一位香港嘉信理財之客戶同意填妥美國稅務局表格.W-8BEN，以便開設香港嘉信理財美元帳戶。閣下亦同意在駐居地位有變時通知香港嘉信理財。
互惠基金證明就美國證券及稅務法例而言，除非閣下是銀行、.經紀或其他專業受信人，閣下須證明以下各項.:
•. 閣下明白互惠基金並未而且亦不會根據美國1940 年投資公司法.(經修訂) (「投資公司法」) 註冊.; 互惠基金股份並未而且亦不會根據美國1933 年證券法.(經修訂) (「證券法」)，或美國任何各州之證券法註冊。此外，互惠基金股份除按彼等各自之公開發售文件之規定外，不可直接或間接在美國.(在此等證書內，「美國」包括.其境內及所屬地) 或向美國人士.(定義見下文) 發售、出售、轉讓或送遞。
•. 閣下為非美國人士.(定義見下文) 或美國人士之附屬，及倘若閣下並非個別人士，則閣下深知.及確信，概無任何美國人士可單獨或連同其他美國人士擁有或有權直接或間接獲取閣下的.擁有權或實益權益之百分之十或以上的價值.或投票權。
•. 閣下明白閣下身處美國時，不會被游說購買互惠基金股份。閣下亦同意不會在美國發出任何買賣指示，替閣下之帳戶購買任何互惠基金股
份.(除非閣下之帳戶是為信託或產業而開設，則持有閣下委託帳戶之美國經紀、投資顧問或其他專業受信人之行動可以例外)。
•. 閣下同意購買互惠基金股份純粹作投資用途，並非用以轉售。閣下不會在美國境內將任何互惠基金股份或股份權益轉讓，或將任何互惠基金股份或股份權益向美國人士轉讓，亦不會為美國人士之利益或帳戶而購買任何互惠基金股份或權益。
•. 根據投資公司法，閣下並非或無須註冊為投資公司，亦非受該等投資公司所控制。並且根據投資公司法第.3(c)(1) 條或第.3(c)(7) 條，閣下並非私人投資公司。
•. 倘若適用之互惠基金之招股章程或類似披露文件禁止，則閣下同意不會購買任何在閣下永久居住之國家內成立之基金之股份。閣下亦同意不會向基金成立國家之居民出售或轉讓任何互惠基金股份之權益，或為該等人士之帳戶或利益而購買股份。
. 倘若任何互惠基金之招股章程.(或類似披露文件) 禁止閣下購買該基金之股份，則閣下同意不會購買任何該互惠基金之股份。
•. 閣下是美國稅務法例內之獲豁免外國人士，並且已經向香港嘉信理財提交.(或連同本表格一併提交)一份經填妥及簽署之美國稅務局表格W-8BEN。
倘若閣下是銀行、經紀或其他專業受信人，並且正代客戶購買互惠基金股份，閣下在此代表該名客戶作出上文「互惠基金證明」一節中之證明，並立約承諾在閣下得悉任何該等客戶成為美國人士或美
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subsidiary of a U.S. Person; you will not at any time knowingly transfer or deliver Mutual Fund shares or any part thereof or interest therein to a U.S. Person; and you will not make any trans-fer thereof in the United States.
For purposes of the foregoing representations and warranties, the term “U.S. Person” means: (a) a citizen or resident of the United States; (b) a corporation, partnership or other entity created or organized in or under the laws of the United States or any political subdivision thereof; (c) any estate or trust that is subject to United States federal income taxation regardless of the source of its income; (d) any corporation, partnership, trust, estate or other entity in which one or more individuals or entities described in (a), (b) or (c) acting singly or as a group has or have a controlling beneficial interest whether directly or indirectly and, in the case of a corpo-ration or partnership, which is formed principally for the purpose of investing in securities not registered under the United States federal secu-rities laws; or (e) any corporation, partnership or other entity, regardless of citizenship, domicile, situs or residence, if under the federal income tax laws of the United States ten percent (10%) or more of the ownership of any Mutual Fund would be attributed through such entity to any U.S. Person as defined in this paragraph.
Upon the event that any of the above represen-tations and warranties is no longer true, you agree, immediately upon such event, to sell any shares of Mutual Funds you own, not to pur-chase any additional shares of Mutual Funds and to notify Schwab Hong Kong of such fact.
Limitation of LiabilityIf the Clearing Broker fails to purchase shares of a Mutual Fund or other collective investment vehicle according to this agreement, its liability is limited to the actual amount of the dividends you would have earned had the shares been purchased.
Continuing Effect of Authorization; TerminationYou authorize the Clearing Broker of Schwab Hong Kong to act as your agent to purchase and redeem for your account shares of the Mutual Funds you have selected and to receive any communications or distributions of cash or other property from a Mutual Fund for your account.
You acknowledge that Schwab Hong Kong may appoint subagents to receive such communica-tions or distributions. This authorization will remain effective until you give notice to Schwab Hong Kong to the contrary. Such notice will not affect any obligations resulting from transactions initiated prior to our receipt of the notice.
The Schwab Privacy Policy: A Commitment to Your PrivacyAt The Charles Schwab Corporation and its affiliates and subsidiaries, including Charles Schwab, Hong Kong, Ltd. and its clearing bro-ker, Charles Schwab & Co., Inc. (together, “Schwab”), our most important asset is our relationship with you. We are honored that you have entrusted us with your financial affairs, and we are committed to protecting the privacy of the information we maintain about you. Establishing and adhering to an effective pri-vacy policy, regarding proper handling and use, is an important part of that dedication.
Below, you will find details of Schwab’s commit-ment to protecting your privacy, including the types of information we collect about you, how we use and share that information both within and outside the Schwab family of companies, and how you can instruct us to limit certain types of information sharing. Our privacy policy applies to all clients with whom we have a relationship and is also extended to each of our former clients.
During the course of our engagement, you may be provided with information relating to our privacy policy, in writing or otherwise. In the event of any inconsistencies and/or discrepan-cies between the terms of this Account Agreement relating to or in connection with data protection and such other terms and conditions as set out in any other information or documents provided, the terms contained in this Account Agreement prevail.
How We Collect Information About YouWe collect personal information about you in a number of ways.
• Application and registration information. We collect information from you when you open an account or enroll in one of our services. You will also be asked for information when you
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國人士之附屬時通知香港嘉信理財。閣下在任何時間亦不會明知而向美國人士轉讓或送遞互惠基金股份或其任何部分或股份權益。閣下亦不會在美國將互惠基金股份轉讓。
對上述之陳述及保證而言，「美國人士」指.: (a) 美國之公民或居民.; (b) 或根據美國或其任何政治分體之法律創立或成立之公司、合夥或其他企業.; (c) 任何須受美國聯邦所得稅所規限之物產或信託.(不論其收入來源) ; (d) 以上.(a)、(b) 或.(c) 項中所述的一位或多位個人或實體，可單獨或合夥而直接或間接擁有實益控制權之任何公司、合夥、信託、財產或其他實體，其成立目的主要是為從事投資非美國聯邦證券法註冊的証券.; 或.(e) 任何公司、合夥或其他實體.(不論其公民地位、居籍、所在地或居留地) 若根據美國聯邦所得稅務法，任何互惠基金股份的百分之十或以上的擁有權均會透過此等實體歸於本段所指之美國人士。
倘若以上任何陳述或保證已不真確，閣下同意在出現以上情況時，立即出售閣下擁有之股份，不再購買任何額外之互惠基金股份，並將有關事實通知.香港嘉信理財。
法律責任的限制倘若結算經紀未能根據本協議購買互惠基金股份或其他綜合投資工具，其法律責任僅限於閣下倘若真的購入股份時，閣下可以賺取之實際股息數額。
授權之持續效力及終止閣下授權香港嘉信理財的結算經紀作為閣下之代理人，以購買及贖回閣下所選取互惠基金之股份，及從互惠基金收取任何通訊或現金分派，或其他.財產以存入閣下之帳戶。閣下承認香港嘉信理財可.
委任分代理人收取該等通訊或分派。此等授權於.閣下通知香港嘉信理財撤銷之前仍然有效。該等通知不會影響我方在收到通知前開始進行之交易而導致之承擔。
嘉信理財個人資料私隱政策 : 保障您私隱的承諾就嘉信理財集團及其聯屬及附屬機構而言，包括嘉信理財香港有限公司及其結算經紀嘉信理財公司.(統稱「嘉信理財」)，我們最重要的資產就是與您的緊密關係。我們很榮幸能獲得您的信任，為您處理財務事宜，並承諾保障我們所保存關於您個人資料的安全。實踐承諾的重要一部份則是建立並遵循有效的私隱政策，以適當處理及使用您的資料。
以下將闡述嘉信理財保障您私隱的承諾，包括我們所收集有關您個人資料的種類、如何在嘉信理財旗下公司內或以外使用及分享資料、及您可如何限制我們分享您的資料。我們的私隱政策適用於所有與我們有關係的客戶，並延伸至每位前度客戶。
在我們為您服務的期間，您可能會以書面或其他形式收到有關我們私隱政策的資料。如此帳戶協議書有關資料保障的條款與任何其他所提供的資料或文件中所列的此等其他條款及細則有任何不一致及／或歧義，概以此帳戶協議書所包含之條款.為準。
我們如何收集您的資料我們收集個人資料的渠道有幾個，包括.:
•. 申請和登記資料。當您開戶或登記使用我們的某一項服務時，我們會收集您所提供的資料。.
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choose to participate in a Schwab promotion. We may also collect information from con-sumer reporting agencies to verify your iden-tity in the account-opening process or if you apply for other financial products or services. The information we collect may include per-sonal information such as your name, address, phone number, email address, identity document number, and date of birth, as well as details about your interests, invest-ments, and investment experience.
• Transaction and experience information. Once you have opened an account with us, we collect and maintain personal information about your account activity, including your transactions, balances, positions, and his-tory. This information allows us to administer your account and provide the services you have requested.
• Third-party information providers. We may collect information about you from informa-tion services and consumer reporting agen-cies to verify your identity, employment, or creditworthiness or to better understand your financial needs.
• Website usage. When you visit our website, our systems may use devices known as “cookies,” graphic interchange format files (GIFs), or other similar web tools to enhance your web experience. These tools enable us to recognize you when you return to our site and to maintain your web session while you browse, as well as help us provide you with a better, more personalized experience at Schwab. To learn more about our policies regarding using our website and the use of web tools, please visit Privacy and Security at www.schwab.com.hk.
Failure to supply such personal information may result in us being unable to: approve the opening of or continue accounts, establish or continue facilities, provide related services, or comply with applicable laws or regulations.
How We Share and Use Information About You Within the Schwab Family of CompaniesThe term “Schwab” refers to a family of finan-cial and nonfinancial services companies that are owned by The Charles Schwab Corporation. These companies are often referred to as “affiliates” and include financial companies such as Charles Schwab & Co., Inc.—a broker-dealer and clearing broker for Charles Schwab, Hong Kong, Ltd.; Charles Schwab, Hong Kong, Ltd.; Charles Schwab Bank; Charles Schwab Futures, Inc.; Charles Schwab Investment Advisory, Inc.; and Charles Schwab Trust Company; and non-financial companies such as Schwab Performance Technologies® and Schwab Compliance Technologies, Inc.
Many clients do business with more than one Schwab affiliate, creating an efficient, compre-hensive financial relationship to meet individual needs. When appropriate, Schwab may share information we collect about you within our family of companies to:
• help provide you with better service or per-form services on our behalf;
• respond to communications from you (or as you authorize or request); and
• make it more convenient for you to open a new account.
How We Share Information About You Outside of the Schwab Family of CompaniesWe provide access to information about you to outside companies and other third parties in certain limited circumstances, including:
• to help us process transactions for your account;
• when we use another company to provide services for us, such as printing and mailing your account statements; and
• when we believe that disclosure is required or permitted under law. For example, we may be required to disclose personal information to cooperate with regulatory or law enforcement authorities, to resolve consumer disputes, to perform credit/authentication checks, or for risk control.
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. 當您選擇參與嘉信理財宣傳活動時，我們亦會向您索取有關資料。我們亦可從消費者報告機構收集資料，以協助我們在您開立帳戶或申請其他金融產品或服務時核實您的身份。收集的資料可包括個人資料如姓名、地址、電話號碼、電子郵件地址、證件號碼、出生日期，以及有關您的興趣、投資及投資經驗。
•. 交易及帳戶活動資訊。一旦您在嘉信理財開立帳戶，我們會收集及保存您的帳戶活動的個人資料，包括交易、帳戶結存、持倉及帳戶記錄。此等資料將用作協助我們管理您的帳戶，及提供您所要求的服務。
•. 第三方個人資料供應商。我們或從其他個人.資料服務商及消費者報告機構收集有關您的.資料，以協助我們核實您的身份、在職情況或.信貸可靠性，又或用以進一步了解您的財務需要。
•. 網站使用。當您瀏覽我們的網站時，我們可使用「區塊」(cookies)、圖形交換格式檔案.(GIFs) 或其他類似的網頁工具來使您更容易地瀏覽網站。透過這些工具，我們能在您重返我們的網站時識別您，並在您瀏覽網站時維持網站連接。.此外，這些工具亦能協助我們為您提供一個.更個人化的服務。如要進一步了解有關使用.我們的網站或網站工具的細則，歡迎瀏覽.www.schwab.com.hk 的「個人資料保護與.安全」部份。
拒絕提供此等個人資料，可導致我們無法批核帳戶申請或續用、或建立或繼續.提供功能設備、或提供相關的理財服務或遵從適用的法例或規定。
我們如何在嘉信理財旗下公司內分享及使用您的 個人資料「嘉信理財」乃對嘉信理財集團擁有之金融及非金融服務公司的統稱。這些公司通常指「聯屬機構」，包括但不限於像嘉信理財有限公司一證券經紀及嘉信理財香港有限公司的結算經紀、嘉信理財香港有限公司、嘉信理財銀行、嘉信理財期貨公司、嘉信理財投資諮詢公司、嘉信理財信託公司等此類的金融公司，和像嘉信性能科技和嘉信合規科技類的非金融服務公司。
許多嘉信理財客戶均與多於一間嘉信理財的聯屬機構有業務往來，從而建立一個有效並全面的金融關係。適當時，嘉信理財或會與其旗下公司分享您的個人資料，例如.:
•. 以我們的名義向您提供更佳服務或處理事務.;
•. 回覆您的查詢，或按您的授權或要求提供所需資料.; 及
•. 讓您更輕易地開設新帳戶。
我們如何在嘉信理財旗下公司以外分享您的 個人資料在某些有限的特殊情況下，我們會把您的個人資料提供予嘉信理財以外的公司及第三方，包括.:
•. 協助我們處理您的帳戶交易事項.;
•. 當我們採用其他公司為我們提供服務，例如印刷及郵寄您的帳戶結單.; 及
•. 當我們相信是項披露乃遵循法律規定或被法律所允許。例如我們可能因需要與監管或法律執行機構合作而披露個人資料，以解決消費者糾紛，進行信用／認證檢查，或控制風險。
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Schwab may also enter into a joint-marketing agreement with another financial institution in order to provide you with a Schwab-branded financial product or service.
You may instruct us not to share information about you with outside companies for this purpose, as explained under “How to Limit the Sharing and Use of Information About You.”
Use and Provision of Personal Information for Use in Direct MarketingSchwab Hong Kong intends, from time to time, to use some of your personal information (including your name, contact details [such as your addresses, phone numbers and email address], products and services portfolio infor-mation, transaction patterns and behavior, financial background and account history) for direct marketing to you the following classes of services and products: financial, securities, credit/debit cards, banking and payments, advisory, investment and related services and products; and we may invite you to take part in market research studies or consumer opinion surveys. This may include products and ser-vices offered by us or, as appropriate, our affiliates and those financial institutions with whom we have joint-marketing arrangements, whether they are available through us or other-wise. We cannot use your personal information for any of these purposes unless you consent (which includes an indication of no objection) to the intended use. We may also send you mate-rials relating to networking, social, recreational or personal enhancement events or activities organized by us for our clients.
Schwab Hong Kong may provide your personal information as mentioned above, as appropri-ate, to any members of The Charles Schwab Corporation or those financial institutions with whom we have joint-marketing arrangements for use by them in direct marketing to you the classes of services and products listed above. We cannot provide your personal information to any of those parties for direct marketing unless you consent (which includes an indica-tion of no objection) to that provision of personal information.
We only make such agreements with companies that we believe can help us provide a financial product or service that will benefit you.
You may instruct us not to share information about you with outside companies for this purpose, as explained under “How to Limit the Sharing and Use of Information About You.”
How to Limit the Sharing and Use of Information About YouYou may, at any time and without charge, require us to cease (a) the use of your personal information in direct marketing; and/or (b) to provide your personal information, as appropri-ate, to our affiliates and outside companies for their use in direct marketing (see “Use and Provision of Personal Information for Use in Direct Marketing” above).
Subject to applicable law, you may choose to limit the information we share about you among our affiliates and outside companies for market-ing purposes. If you choose to do so, Schwab will not:
• use personal information about you in direct marketing;
• share with our affiliates consumer reports and other personal information about you that may be used to determine your eligibility for credit (for example, information about your income, profession, or employment status);
• allow our affiliates to market their financial products or services to you based on eligibil-ity information they receive from us; or
• share personal information about you with an outside company for joint-marketing purposes.
You may exercise this choice by calling us at +852-2101-0500.
• Your choice will be applied to you as an indi-vidual and will automatically be extended to your other accounts at Schwab.
• You may make your privacy choice at any time, and it will remain in effect until you tell Schwab to change it.
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嘉信理財亦可能與其他金融機構簽訂聯合促銷協議，以向您提供以嘉信理財為品牌的金融產品或服務。
您可以指示我們拒絕向嘉信理財旗下公司以外的公司提供您的個人資料作此用途。詳情請參閱.「如何限制分享及使用您的個人資料」一章。
作直接促銷用途的個人資料的使用及條款香港嘉信理財擬不定期地使用您的一些個人資料..(包括您的姓名、聯絡詳情.[如: 地址、電話號碼及電郵地址]、產品與服務組合資料、交易模式與行為、財務背景與帳戶紀錄) 用來向您直接促銷下列種類的服務與產品.: 金融、證券、信用卡／扣帳卡、銀行業務與付款、諮詢、投資及相關服務與產品.; 我們亦可能會邀請您參加市場研究或消費者意見調查。這可能包括我們或.(在適當情況下) 我們的聯屬機構，及與我們有聯合促銷安排的金融機構提供的產品與服務，無論這些產品與服務是否由我方提供。我們不可使用您的個人資料作任何此等用途，除非您同意.(包括表示不反對) 作有關用途。我們也可能向您提供由我們為客戶舉辦的人際交往、社交、娛樂或個人增值活動的資料。
香港嘉信理財也可能.(在適當情況下) 將您的上述個人資料提供給嘉信理財集團的任何成員或與我們有聯合促銷安排的金融機構，用來直接向您促銷上述種類的服務與產品。我們不可向任何的此等各方提供您的個人資料作直接促銷，除非您同意.(包括表示不反對) 提供個人資料。
我們只會與我們認為能協助我們提供有利於您的金融產品或服務的公司簽訂此等協議。
您可以指示我們拒絕向我們以外的公司提供您的個人資料作此用途。詳情請參閱「如何限制分享及使用您的個人資料」一章。
如何限制分享及使用您的個人資料您可隨時免費要求我們停止.(a) 使用您的個人資料作直接促銷及／或.(b) 在適當情況下向我們的聯屬機構及其以外的公司提供您的個人資料作直接促銷.(詳情請參閱上方「作直接促銷用途的個人資料的使用及條款」)。
根據適用法例，您可選擇限制我們與聯屬機構及其以外的公司分享您的個人資料以作促銷用途。如您作此選擇，嘉信理財將不會:
•. 使用您的個人資料作直接促銷用途.;
•. 與我們的聯屬機構分享用以釐定您的信貸資格.(例如有關您的薪金、職業或就業狀況) 的客戶報告及其他個人資料.;
•. 容許我們的聯屬機構根據我們所提供的合.資格規定的資料，向您推廣有關金融產品或.服務.; 或
•. 與外面的公司分享您的個人資料以作聯合促銷之用。
若您選擇行使此權利，請致電+852-2101-0500與.我們聯絡。
•. 您的選擇將適用您本人，並會自動延伸至您其他的嘉信理財帳戶。
•. 您可隨時決定您的私隱選擇，您的指示將維持有效直至您向嘉信理財提出更改。
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Except to the extent you request otherwise, Schwab will continue to share information among our affiliates that identifies you (such as your name and identity document number), as well as information about your transactions and experiences with us. In addition, except to the extent you request otherwise, Schwab affiliates may continue to use information about you to perform services on our behalf, to respond to communications from you, as you authorize or request, or, if you are their customer, to offer you products or services. We may also continue to share information about you with any third parties, subject to applicable law.
Transfer of Personal Information Outside HKSARPersonal information about you may be trans-ferred to a place outside Hong Kong SAR.
Company Mailing ChoiceUnless we receive your objection, Schwab may be required under the provisions of Rule 14b-1 of the U.S. Securities and Exchange Act of 1934 to release your name, address, and number of shares to the issuers of securities you hold. If you object, you will not receive any corporate communications mailed out by the issuer other than regulatory mailings required to be sent out to ALL holders, which you will receive from us. If you wish to exercise this preference, please call +852-2101-0500.
Access to Your Personal InformationYou have the right:
• to ascertain whether we hold your personal information and request access to such information within a reasonable time;
• to require us to correct any personal informa-tion about you which may be inaccurate; and
• to ascertain our policies and practices in relation to personal information and to be informed of the kind of personal information held by us.
We have the right to charge a reasonable fee for the processing of any data access request.
The person to whom requests for access to personal information or correction of personal information held by Schwab Hong Kong, or for information regarding data policies and prac-
tices and the kinds of personal information held by Schwab Hong Kong are to be addressed is the Operations Manager, Charles Schwab, Hong Kong, Ltd., Rooms 602–606, Gloucester Tower, The Landmark, 15 Queen’s Road Central, Central, Hong Kong.
Safeguarding Your Information, Maintaining Your TrustWe take precautions to ensure that the information we collect about you is protected and is accessed only by authorized individuals or organizations.
Companies we use to provide support services are not allowed to use information about our clients for their own purposes and are contractually obligated to maintain strict confidentiality. We limit their use of information to the performance of the specific services we have requested.
We restrict access to personal information by our employees and agents. Our employees are trained about privacy and are required to safe-guard personal information.
We maintain physical, electronic, and procedural safeguards to protect personal information.
Greater Accuracy Means Better ProtectionWe are committed to keeping accurate, up-to-date records to help ensure the integrity of the information we maintain about you. If you iden-tify an inaccuracy in this information, or if you need to make a change to it, please contact us promptly by calling +852-2101-0500.
A Commitment to Keeping You InformedWe will provide you with advance notice of important changes to our information-sharing practices.
Contact Us With QuestionsIf you have any questions or concerns, please contact us by email at [email protected] or call us at +852-2101-0500.
Non-Publicly Traded Securities and Worthless or Non-Transferable SecuritiesSchwab Hong Kong or the Clearing Broker (“Schwab”) may, at our discretion, agree to accommodate requests from you to hold in your account certain securities, such as hedge funds, private equity funds, private placements, and
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除非您另行要求，否則嘉信理財將繼續與我們的聯屬機構分享有關辨認您的資料.(例如您的姓名及證件號碼.)，及您在嘉信理財的交易活動及與我們的互動。再者，除非您另行要求，否則嘉信理財的聯屬機構可繼續使用您的資料以我們的名義向您提供服務，按您的授權或要求回覆您的查詢，又或若您是他們的客戶，向您提供產品或服務。根據適用法例，我們亦可繼續向任何第三方分享您的個人.資料。
在香港特別行政區以外的個人資料傳送有關您的個人資料或會被傳送至香港特別行政區以外的地方。
公司郵件選擇除非我們收到您的反對通知，否則嘉信理財或按1934 年美國證券及交易所法第.14b-1 條的規定，向您所持有證券之發行人披露您的姓名、地址及所持股數。若您拒絕披露有關資料，則您將不會收到發行人寄出之任何的企業通訊，惟規定必須寄予所有持股人之郵件除外，而有關郵件將由我們寄出。如欲行使此選擇權利，請致電+852-2101-0500與我們聯絡。
取覽您的個人資料您有權利.:
•. 確定我們是否持有您的個人資料，並要求在合理時間內取得此等資料.;
•. 要求我們更正任何有關您的錯誤個人資料.; 及
•. 確定我們對有關個人資料的政策及措施，並了解我們持有的個人資料種類。
我們有權就處理任何取覽資料的要求，收取合理.費用。
有關取得或更正由香港嘉信理財所持有的個人資料的要求、或要求索取有關的資料政策及措施、以及由香港嘉信理財持有的個人資料種類，請致函.:.營運經理，嘉信理財香港有限公司，香港中環皇后大道中15號置地廣場告羅士打大廈602–606室。
保障您的個人資料，維護您的信賴我們會謹慎處理您的資料，以確保我們收集到的.資料獲得保障，並保證您的資料只供獲授權人士或機構使用。
我們所僱用提供支援的公司，是不允許為其私有目的使用有關我們客戶的資料，而且依據合約，他們必須嚴守機密。我們限制他們的資料使用僅為執行我們指定的服務。
我們嚴限我們的僱員及代理取覽個人資料。我們所有的僱員均接受私隱權的訓練，並被嚴格要求保障個人資料。
我們為保障您的個人資料而執行實質方式、電子方式及程序方式的防護措施。
資料準確，帳戶更有保障我們致力保存準確及最新的紀錄以確保您的.資料的完整性。倘您發現任何的資料漏誤，或您.需要進行更改，請立即致電.+852-2101-0500 與聯絡我們。
承諾為您提供最新資料倘個人資料分享的政策有重大的變更時，我們會事先作出通知。
如有問題，歡迎隨時聯絡我們倘您有任何問題或意見，歡迎隨時透過電郵地址[email protected]，或電話.+852-2101-0500.聯絡我們。
非公開交易證券及無價值或不能轉讓證券嘉信理財香港或結算經紀.(「嘉信」) 可以自行決定同意按您的要求，於您的帳戶持有某些證券，如對沖基金、私人股票基金、私人配售及
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other securities that do not trade on securities exchanges or over-the-counter markets (hereinafter referred to as “Non-Publicly Traded Securities”). In consideration for our accepting these Non-Publicly Traded Securities into your Account from time to time, and subject to such additional terms as may be presented to you at the time of the request, you agree that Schwab’s sole obligation with respect to such Non-Publicly Traded Securities will be to (1) obtain and maintain possession or control of such securities in a manner as required by the Securities and Exchange Commission and (2) file and provide reports and information as may be required under the Internal Revenue Code, and regulations thereunder of the Internal Revenue Service.
You acknowledge that Schwab’s obligations are limited to maintaining possession or control and may not include facilitation of transfers, sales, withdrawals, or any other activity related to the Non-Publicly Traded Securities. You further acknowledge that, unless notified in writing by confirmation or similar document, Schwab has not acted and will not act as broker or dealer in any purchase or sale of Non-Publicly Traded Securities held in your Account.
Before requesting that we hold a Non-Publicly Traded Security in your Account, you agree that you will have performed a complete review of the Non-Publicly Traded Security and taken sufficient actions to determine that the investment is appropriate for you and your own financial circumstances and that you are comfortable with the risk of loss, whether due to investment risk or the potential for fraud or misconduct. You agree that such reviews will involve the review of offering memoranda, organizational documents, and audited financial statements, and an investi-gation into the background and qualifications of the issuers and selling agents of each Non-Publicly Traded Security. By requesting Schwab to hold a Non-Publicly Traded Security, you represent that you have determined that such Non-Publicly Traded Security has been properly registered under federal and state law as a security or is exempt from such registration. You acknowledge that Schwab will be relying on your investigation into these matters in considering
your request to hold a Non-Publicly Traded Security in your Account.
You acknowledge that any documentation regarding a Non-Publicly Traded Security sub-mitted to Schwab will be used solely for Schwab’s internal operational purposes. Schwab will not undertake to review or assume responsibility for the terms and conditions or contents set forth in such documentation, including, but not limited to, appropriateness or suitability, restrictions of ownership, rights of transfer, financial statements, or the adequacy of disclosure or compliance with applicable laws, rules, and regulations. Any review per-formed by Schwab will solely be for its benefit in determining its ability to hold and service the Non-Publicly Traded Security.
You acknowledge that Schwab shall have no responsibility for monitoring the Non-Publicly Traded Security to assure compliance with its terms or disclosures, for taking any actions to collect on any amount owed to you, or for otherwise enforcing your rights with respect to the Non-Publicly Traded Security held in your Account. Schwab is under no obligation to take any action should there be a default, bankruptcy, or other impairment associated with a Non-Publicly Traded Security. You agree to notify Schwab immediately if you identify any problem with any Non-Publicly Traded Security that would interfere with Schwab’s ability to hold the Non-Publicly Traded Security or obtain and report values. You agree that Schwab has no responsibility or duty to investigate, evaluate, or report to you any information that Schwab may possess or may become aware of regarding any Non-Publicly Traded Security.
You also acknowledge that when you direct Schwab to wire or transfer funds to an issuer or sponsor of a Non-Publicly Traded Security, Schwab will not have any responsibility or liability if the issuer or sponsor involved does not provide the required receipt or confirmation of the investment in a manner that would allow Schwab to hold the security in your Account.
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其他並非在證券交易所或場外交易市場進行交易的證券(在此稱為「非公開交易證券」)。鑒於我們不時於閣下帳戶中接納此類非公開交易證券，同時受約束於可能在閣下提出要求時另呈閣下的若干附加條款，閣下同意嘉信就此類非公開交易證券的唯一責任是.(1) 以證監會規定的方式獲取並保管或管制此等證券，及.(2) 按美國稅收法及美國國稅局規定，存檔並提供相關報告及資料。
您確認嘉信的責任僅限於維持擁有或管制權，並可能不包括協助有關非公開交易證券的轉讓、銷售、提取或任何其他活動。您進一步確認除非嘉信獲確認書或類似文件的書面通知，否則嘉信沒有亦將不會作為任何買入或沽出並保管於您帳戶的非公開交易證券的經紀或交易商。
在要求我們於您的帳戶保管非公開交易證券前，.您同意將全面復查該非公開交易證券並採取足夠.行動，以決定該項投資對您及您的個人財務環境是否適合，以及您是否能接受因投資風險、詐騙或不正當行為的可能性而導致的虧損風險。您同意此等復查將涉及復檢招股章程、機構文件及經審計之財務報表，及調查每一隻非公開交易證券的發行商及銷售代理的背景及資歷。要求嘉信保管非公開交易證券，即代表您確定此非公開交易證券已按照聯邦法及州法正式註冊為證券，或獲豁免此等註冊。您確認嘉信將倚賴您就此等事宜的調查，來考慮是否接納於您帳戶保管非公開交易證券的要求。
您確認任何交予嘉信的有關非公開交易證券的.文件，嘉信僅用作內部運作用途。嘉信將不會復查或承擔就此等文件列出的條款及細則或內容的責
任，包括但不限於適當性或合適性、擁有權限制、轉讓權、財務報表或公開聲明是否足夠或是否遵從適用法例、規則及條例。嘉信進行的任何復查均.僅為決定其保管非公開交易證券及提供有關服務.的能力。
您確認嘉信無責任監察非公開交易證券以確保符合其條款或公開聲明，亦無責任採取任何行動收取欠付閣下的款項，或除此之外執行您就保管於帳戶的非公開交易證券的權利。如有任何關於非公開交易證券的違約、破產或其他損害的事宜，嘉信均無責任採取任何行動。您同意如發現任何會影響嘉信保管非公開交易證券或獲取及報告價值的能力的問題，您將即時通知嘉信。您同意嘉信無責任或義務調查、評估或向您報告任何嘉信可能掌握或可能知悉的有關任何非公開交易證券相關的資料。
您亦確認當您指示嘉信匯款或轉帳給非公開交易證券發行商或保薦人時，如涉及的發行商或保薦人不以容許嘉信於您帳戶保管證券的方式提供所需的投資收條或確認，嘉信無須承擔任何責任或義務。
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Valuing Non-Publicly Traded Securities on StatementsYou understand that because there is generally no public or secondary market for Non-Publicly Traded Securities, the values reported on your Schwab statement may not represent market values. It is unlikely that you would be able to sell your interests in the Non-Publicly Traded Securities held in your Account or realize the amounts shown on your Schwab statement upon a sale of the Non-Publicly Traded Securities held in your Account. You acknowl-edge that it is very likely that the “resale” value of the Non-Publicly Traded Securities may be substantially lower than what is on your Schwab statement. You understand that these values displayed on your Schwab account statements are provided for your convenience only, may have been reported as long as 18 months prior to statement preparation, and should not be relied upon as any indication of market value.
If you have instructed the issuers or sponsors of your Non-Publicly Traded Securities to report values to Schwab, you agree that Schwab may, in its sole discretion, display on your Schwab statement the most recent values provided during the prior 18 months. You agree that Schwab may rely, without question or verifica-tion, on the values provided by the issuers or sponsors of Non-Publicly Traded Securities. You represent that during the course of your evalua-tion of the Non-Publicly Traded Securities, you have determined such valuations will be accurate and reliable. You understand that Schwab does not verify or confirm such valuations and makes no representations that the values are reasonable, are accurate, or reflect your actual holdings.
In the event third-party data sources provide valuation of your Non-Publicly Traded Security to Schwab, Schwab may display the value provided by a third party or a value derived from the third-party data on your statement. If there is a discrepancy between an issuer-provided value and a third-party value, Schwab may report the value of your Non-Publicly Traded Security as “N/A” or “Not Available.” If valuations are not received or made available to Schwab during an 18-month period, Schwab reserves the right to require you to remove the Non-Publicly Traded
Security from your Schwab statement in the manner described in this Agreement.
If Schwab reports a value received from an issuer on your Schwab statement, the value may not match what is provided to you by the issuers of the Non-Publicly Traded Security due to the timing of issuer statements and Schwab’s statement production schedule. In these situa-tions, the current valuation will be displayed on your next Schwab statement. If you notice any other discrepancy in valuations between your Schwab statement and any statement provided by the issuer of your investment, please review your statement footnotes to understand how the valuation was obtained and contact Schwab with any further questions.
Schwab may opt at any time, in its sole discretion, to remove a value for a Non-Publicly Traded Security from your statement and report a value of “N/A” or “Not Available.”
Removal of Non-Publicly Traded Securities From Your AccountSchwab may ask you to remove any Non-Publicly Traded Security from your Account at any time and for any reason. In the event that Schwab asks you to remove a Non-Publicly Traded Security from your Account, and you do not request a distribution of the Non-Publicly Traded Security from your Account, remove it from your Account, or transfer it to another custodian within sixty (60) days after Schwab provides you written notice that it will no longer hold the Non-Publicly Traded Security, you authorize and direct Schwab to distribute or transfer the Non-Publicly Traded Security directly to you. If the Non-Publicly Traded Security is represented by a physical certificate in Schwab’s possession, Schwab will return the physical certificate to you. If the Non-Publicly Traded Security is represented by a physical certificate in Schwab’s possession, Schwab will transfer the physical certificate to the partici-pant (if so directed by the Trustee or other applicable fiduciary or agent for the plan) or to the Trustee or other applicable fiduciary or agent of the plan, as applicable. If the Non-Publicly Traded Security is not certificated, you agree that Schwab may remove the security from the Account by notifying the issuer to
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結單上的非公開交易證券估值您明白因非公開交易證券一般沒有公開或二級市場，您的嘉信結單上的報告價值未必反映市場價值。您多數不能沽出保管於您帳戶的非公開交易證券的股份，或於沽出您帳戶持有的非公開交易證券時變現顯示於您嘉信結單上的金額。您確認非公開交易證券的「再沽出」價值可能大幅低於您嘉信結單上的金額。您明白顯示於您嘉信帳戶結單上的此等價值，僅方便您參考，可能是長達.18 個月以前的報告價值，故不應被倚賴為市場價值的任何指標。
如您已指示您的非公開交易證券的發行商或保薦人向嘉信報告價值，您同意嘉信可能自行決定於您的嘉信結單顯示前.18 個月內提供的最近期價值。您同意嘉信可能在無疑問或核實的情況下，倚賴由非公開交易證券發行商或保薦人提供的價值。您表示在評估非公開交易證券的過程中，您已確定此等估值屬準確及可靠。您明白嘉信不會核實或確認此等估值，亦不表示估值為合理、準確或反映您的實際持倉。
如第三方數據來源向嘉信提供您的非公開交易證券的估值，嘉信可能在您的結單上顯示由第三方提供或從第三方數據取得的價值。如發行商提供的價值與第三方所提供的不一致，則嘉信可能把您的非公開交易證券的價值標示為「不適用」或「未有提供」。如於.18 個月期限內，嘉信均未有收到或獲得任何估值，嘉信保留權利要求您按照本協議所述的形式，從您的嘉信結單移走非公開交易證券。
如嘉信於您的嘉信結單標示從發行商收到的價值，該價值未必與非公開交易證券發行商向您提供的價
值相符，因發行商結單與嘉信結單製作時間或有不同。在此等情況下，現時的估值將於閣下的下一份嘉信月結單中顯示。如您發現其他嘉信結單與任何您的.投資項目發行商提供的結單有任何估值歧異，請.細閱結單備註以了解估值方法。如有疑問，請與.嘉信聯絡。
嘉信可能隨時自行選擇在您的結單移走非公開.交易證券的價值，並把價值標示為「不適用」或.「未有提供」。
從您的帳戶移走非公開交易證券嘉信隨時可能以任何原因要求閣下從帳戶中移走非公開交易證券。若嘉信向閣下提出從帳戶中移走非公開交易證券的請求，且於嘉信向閣下發出不再繼續保管非公開交易證券的書面通知後六十.(60) 日之內，閣下並未要求嘉信將非公開交易證券從閣下的帳戶中派發，亦未將其從帳戶中移走或過戶給其他託管人，則等同於閣下授權並指示嘉信直接將非公開交易證券派發或轉至給閣下本人。若相關的非公開交易證券由嘉信所持有之實體證明書代表，則嘉信將把該實體證明書交還予閣下。若此非公開交易證券由嘉信所持有之實體證明書代表，則嘉信將把該實體證明書轉交給參與者.(在信託人或其他相關受託人或計劃代理人指令下) 或視實際情況轉交予信託人、其他相關受託人及計劃代理人中的一方。
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re-register the position in your name, or in the case of a retirement plan brokerage custodial account, in the name of the Trustee or other applicable plan fiduciary for benefit of the plan and remove Schwab as custodian. You agree to indemnify and hold Schwab harmless for your failure to remove or transfer a Non-Publicly Traded Security after Schwab has notified you that Schwab is no longer willing to hold the security in the Account. You agree that you are also solely responsible for any tax conse-quences associated with the removal of the Non-Publicly Traded Security from your Account.
SIPC CoverageThe Securities Investor Protection Corporation (SIPC) does not cover many limited partnership interests. Please consult with your attorney or investment advisor with regard to your particu-lar investment.
Worthless and Non-Transferable SecuritiesSchwab reserves the right to remove from your Account any security that is deemed to have been cancelled or otherwise invalidated. In determining that a security has been cancelled or invalidated, you agree that we have derived information on such assets from you or from third parties and we are not responsible for the accuracy or reliability of any information regard-ing these assets. Cancelled or invalid securities may include, but are not limited to, bankruptcy or charter or registration revocation. Schwab will notify you if it has removed a cancelled or otherwise invalid security from your Account. Unless you provide Schwab with evidence of the validity of the security within sixty (60) days of the notice of removal, you agree to waive any claim to any future distribution from the secu-rity and agree to indemnify and hold Schwab harmless from any claims, liability, or damages resulting from the removal of such security. If you provide Schwab with evidence of the valid-ity of the security from an independent third party within 60 days of receiving the notice of removal, Schwab will reinstate your position.
In addition, Schwab reserves the right to charge an additional servicing fee for securities for which Schwab cannot identify a transfer agent (a “Non-Transferable Security”). The existence of a Non-Transferable Security in your Account may be noted with a notation of “N/A” for the value of that position on your account statements.
Liability of Schwab Hong KongSchwab Hong Kong uses Charles Schwab & Co., Inc. a U.S. registered broker-dealer, as Clearing Broker for execution, clearing, settle-ment and custody of U.S. securities. Charles Schwab & Co., Inc. accepts direct responsibility to the Account Holder for the performance of these services and to this extent shall be treated as a Party to this Agreement. Under applicable regulatory process, each Account Holder is deemed a customer of Charles Schwab & Co., Inc. as Clearing Broker. You agree that you have recourse only against the Clearing Broker and not against Schwab Hong Kong in respect of these services, save in relation to Schwab Hong Kong’s own negligence or willful default. See the section entitled SIPC Protection for a statement of certain protec-tions available to you by virtue of this arrange-ment. If Schwab Hong Kong or a Schwab Hong Kong representative gives advice directly to you as a Schwab Hong Kong recommendation for you to enter into a particular transaction or transactions or to buy or sell a particular secu-rity or securities, no other party is responsible for that advice.
ComplaintsYou may lodge any complaints or enquiries to our Complaint Officer by mail to Schwab Hong Kong at Unit 602-606, The Gloucester Tower, The Landmark, 15 Queen’s Road Central, Central, Hong Kong. Schwab Hong Kong shall attend the matter and use its best effort to resolve it amicably with you, failing which you shall have the right to make complaints to the Financial Dispute Resolution Centre Ltd.
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若非公開交易證券並無證明書，則閣下同意嘉信有權以通知發行商重新使用閣下之名義註冊持倉的方式將證券移出帳戶.; 若帳戶為退休計劃經紀託管帳戶，則是以信託人或其他相關受託人之名義以退休計劃的利益為前提註冊持倉，並取消嘉信的託管人身份。若嘉信已通知閣下不再繼續於帳戶中保管非公開交易證券之事宜，而閣下卻仍未移走或轉讓該非公開交易證券，則閣下同意閣下將承擔賠償責任並確保使嘉信免受任何相關損失。同時，閣下亦同意單獨負責承擔與移走帳戶中非公開交易證券相關的全部稅項。
美國證券投資者保障公司 (SIPC) 保障美國證券投資者保障公司不保障許多有限合夥.的利益。請向您的律師或投資顧問就您的特定.投資徵詢。
無價值及不能轉讓證券嘉信保留權利從您的帳戶移走任何被認為已取消或無效的證券。在確定證券已被取消或屬無效時，您同意我們已從您或第三方取得此等資產的資料，而我們無須就任何此等資產的相關資料的準確性或可靠性負上任何責任。已取消或無效的證券可能.包括但不限於破產或特許狀或註冊撤消。如嘉信已從您的帳戶移走已取消或無效的證券，將向您作出通知。除非您於移走通知發出後.60 天內向嘉信提供有關證券生效的證明，否則您同意不就證券日後的派發提出任何申索，並同意就任何因移走此等證券而導致的申索、責任或損失作出彌償並保證嘉信免受任何損害。如您於收到移走通知.60 天內，向嘉信提供獨立第三方的證券有效證明，則嘉信將恢復您的持倉。
此外，嘉信保留權利就嘉信未能確認轉讓代理的證券. (「不能轉讓證券」)，收取額外服務費。您帳戶中「不能轉讓證券」的持倉價值，可能於您的帳戶結單上標註為「不適用」。
香港嘉信理財的責任香港嘉信理財延用美國註冊經紀交易商嘉信理財公司擔任結算經紀，負責美國證券的執行、結算、交收及保管等工作。嘉信理財公司就前述服務項目對帳戶持有人直接負責，且只限於此等服務而言，帳戶持有人可被視為協議書的一方。根據適用的監管程序，每一帳戶持有人會被視為結算經紀的客戶。除非香港嘉信理財本身疏忽或蓄意違約之外，有關該等服務的事宜，閣下同意只可向結算經紀而非香港嘉信理財索償。請參閱題為「證券投資者.保障公司之保障」一節，以了解授此安排給予閣下的若干保障的陳述。如香港嘉信理財或香港嘉信理財的代表直接向您提供為香港嘉信理財的建議，助您進行特定交易或買賣特定的證券，其他.任何一方將不會對該等建議負責。
投訴您可以向我們的投訴官員遞交任何詢問或投訴，郵寄地址為香港中環皇后大道中.15 號置地廣場告羅士打大廈.6 樓.602-606 室。香港嘉信將料理並竭力和平解決此事宜。如未妥，您有權向金融糾紛中心投訴我們。
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DisputesThe parties agree that any dispute, controversy or claim arising out of or relating to this Account Agreement or arising from the relation-ship between any of them, including the perfor-mance, breach, termination or invalidity of the Account Agreement (including this Arbitration Agreement as defined below) or any transaction or dealings contemplated by this Account Agreement, whether arising in contract, tort or breach of fiduciary or statutory duty and whether founded at common law, in equity, by statute or otherwise, or any controversy over arbitrability of a dispute shall be settled finally and exclusively by arbitration in the manner set forth below (the “Arbitration Agreement”).
The parties agree that any dispute, controversy or claim, as described above, brought by the Account Holder against any employee, director, officer, controller or affiliate (collectively referred to as “affiliates”) of Schwab Hong Kong (including but not limited to any dispute, contro-versy or claim brought against Charles Schwab & Co., Inc., its employees, directors, officers or controllers—see also “Disputes With Charles Schwab & Co., Inc.” below) shall be required to be resolved in accordance with this Arbitration Agreement, and that Schwab Hong Kong shall hereby be acting as the agent of each of such affiliates for purposes of extending this dispute resolution agreement to those affiliates.
1. The arbitration shall be held in Hong Kong.
2. The language of the arbitration shall be English.
3. The Arbitration Agreement shall be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China, as amended (to the extent permitted by law) by the Arbitration Agreement. The parties agree that the subject matter of the Arbitration Agreement relates to more than one country.
4. The arbitration shall be conducted in accor-dance with the UNCITRAL Arbitration Rules (i.e., the Arbitration Rules of the United Nations Commission on International Trade Law set out in Resolution 31/98 adopted by the General Assembly on 15 December 1976) as at present in force (the “Rules”) as amended by the Arbitration Agreement. In the event of any conflict between the Rules and the provisions of the Arbitration Agreement, the Arbitration Agreement shall prevail.
5. The arbitration shall be administered by the Hong Kong International Arbitration Centre in accordance with its “Procedures for Arbitration” as at present in force including such additions to the Rules as are therein contained. The appointing authority shall be the Hong Kong International Arbitration Centre.
6. If the claim is for less than US$35,000 the arbitral tribunal (the “Tribunal”) shall consist of a sole arbitrator appointed pursuant to Article 6 of the Rules who shall be a barrister with not less than five years’ practice at the Hong Kong Bar in civil or commercial work and shall be independent of both parties. Further, the arbitration proceeding shall be conducted by way of an examination by the appointed arbitrator of documents and other materials submitted by the parties but there shall be no hearing for the presentation of evidence or for oral argument before the Tribunal on such documents and other materials.
7. If the claim is for US$35,000 or more but less than US$100,000 the Tribunal shall consist of a sole arbitrator appointed as described in paragraph 6 above but the arbitrator shall have the discretion to decide whether to hold oral hearings or whether the proceedings shall be conducted purely by way of an examination of documents and other materials in accordance with Article 24 of the Rules.
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糾紛各方同意，當發生任何與本帳戶協議有關或由此.產生的，或因他們相互關係而引起的糾紛、爭論或索賠時，包括本帳戶協議.(包括以下所述之仲裁協議) 或其任何預期的交易或買賣的履行、違反、終止或無效，其成因不論是基於合約、侵權，還是違反受信或法定責任，亦不論是基於普通法、衡平法、法規還是其他規定，或者對任何爭議是否可通過仲裁解決有爭論，各方只可按下述的仲裁方式來作最後及終局性解決( 「仲裁協議」)。
各方同意，當發生任何以上由帳戶持有人向香港.嘉信理財的任何僱員、董事、高級人員、控權人或聯營公司.(合稱「附屬人士」) 提出的糾紛、爭論或索賠時.(包括但不限於向嘉信理財
公司其僱員、高級職員、董事或控權人.—.可參閱下列之「與嘉信理財公司之糾紛」提堂之爭議，爭論或索賠)，該等糾紛、爭論或索賠必須根據本仲裁協議的規定來解決，而為了將本糾紛解決協議延伸至適用於該等附屬人士，香港嘉信理財將擔任各附屬人士的代理人。
1.. 仲裁須於香港舉行。
2.. 仲裁應使用英語進行。
3.. 仲裁受到經本仲裁協議.(在法律許可的範圍內)修訂後的中華人民共和國香港特別行政區法律規管。各方同意本仲裁協議的論題與多於一個國家有關。
4.. 仲裁協議須根據本仲裁協議經修訂後的現行聯合國國際貿易法委員會仲裁規則.(「規則」) (即於1976 年.12 月.15 在聯合國大會通過的第31／98 號議決案中所列述的聯合國國際貿易法委員會仲裁規則)進行。當規則與本仲裁協議的條文發生衝突時，須以本仲裁協議的條文為準。
5.. 仲裁須按香港國際仲裁中心現行生效的「仲裁.程序」執行，當中包括其對規則任何附加的規定。委派機關為香港國際仲裁中心。
6.. 假如該宗索償的金額少於.3 萬.5 千美元，則仲裁庭.(「該庭」) 將由一名根據規則第六條任命的仲裁員組成。該仲裁員須為香港大律師公會的執業大律師，在民事或商業法律方面，具有不少於五年執業經驗，並須獨立於雙方當事人之外。.此外，該仲裁過程將會由委任的仲裁員以審閱各方提供之文件及其他資料形式進行，而將不會在該庭上聆聽有關提交證據或於該庭口頭辯論該些文件或其他資料。
7.. 假如該宗索償的金額為.3 萬.5 千美元或以上但.少於.10 萬美元，該宗仲裁將由第六條所述之仲裁員一人負責，但仲裁員可自行決定是否進行聆聽或根據條例第二十四章只以審閱文件及.資料方式進行。
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8. If the claim is for US$100,000 or more, or if the amount of the claim is not stated, or if the dispute does not concern a claim for a sum of money, the Tribunal shall consist of three arbitrators appointed pursuant to Article 7 of the Rules. The arbitrator to be appointed pursuant to Article 7 of the Rules by each of the parties shall be a solicitor practicing in Hong Kong and with not less than five years’ experience of commercial, corporate or finan-cial work in Hong Kong and shall be indepen-dent of both parties. The presiding arbitrator appointed pursuant to Article 7 of the Rules shall be a barrister with not less than five years’ practice at the Hong Kong Bar in civil or commercial work and shall be independent of both parties. In addition, the presiding arbitra-tor shall have the discretion to decide whether to hold oral hearings or whether the proceed-ings shall be conducted purely by way of an examination of documents and other materi-als in accordance with Article 24 of the Rules.
9. Without prejudice to the right of either party to adduce evidence, the parties agree that, to the extent permitted by law, the Tribunal shall order any of the following measures only, to the extent that the Tribunal, in its discretion, determines that the measure in question is (a) likely to produce evidence of direct rel-evance to the matters in dispute, and (b) likely to be necessary for the just and equi-table resolution of that dispute and, (c) not inconsistent with the parties’ agreement as expressed in paragraph 11 below:
(i) the discovery or inspection of documents, exhibits or other evidence;
(ii) the delivery of interrogatories;
(iii) the giving or obtaining of evidence by affidavit, witness statement, or deposition;
(iv) the giving or obtaining of oral evidence by, or the examination of, witnesses;
(v) the directing of the attendance before the Tribunal of witnesses in order to give evidence or to produce documents or other material evidence; and/or
(vi) the inspection, photographing, preserva-tion, custody, detention or sale of relevant property.
and the Rules are amended and shall (as amended) be construed accordingly. The parties further agree that section 2GB(6) of the Arbi-tration Ordinance (Chapter 341 of the laws of Hong Kong) shall not apply to the arbitration.
10. With respect to the award by the Tribunal, the parties agree as follows:
(i) such award shall be final and binding on the parties;
(ii) the parties agree to carry out (in all respects) such award within a period of 14 days from the making of the award by the Tribunal;
(iii) judgment on any such award may be entered, or the award enforced by registra-tion, as the case may be, in any court of competent jurisdiction;
(iv) application may be made by either party to any court of competent jurisdiction for the recognition or acceptance by that court of such award;
(v) in any event that any party fails to carry out such award within the period stated in paragraph 10(ii) above and accordingly it becomes necessary for the party in whose favor the award is made to enforce the award against the defaulting party or its assets, the defaulting party shall indemnify the party in whose award the favor was made in respect of any costs or expenses incurred by that party in or in connection with the enforcement of that award.
11. The parties agree that they shall use their best endeavors to cause the arbitration proceedings to be concluded within 180 days from the date on which the notice of arbitration was filed and the arbitration clause will survive the closure of your Schwab Hong Kong U.S. Dollar Account and/or termination of services rendered under this Account Agreement; and the parties further agree that in exercising its discretion and duties under the Rules as hereby amended the Tribunal shall take such action as is necessary to achieve the conclusion of the proceedings within that time period.
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8.. 假如該宗索償的金額為.10 萬美元或以上，或該宗索償並無提出索償金額，又或該宗糾紛並不牽涉金錢索償，則該庭將由三名根據規則第七條任命的仲裁員組成。由每一方根據規則第七條任命的仲裁員，須為香港的執業律師，在商業、公司或財務方面，於香港具有不少於五年的經驗，並獨立於雙方當事人之外。根據規則第七條任命的仲裁庭長，須為香港大律師公會的執業大律師，在民事或商業法律方面，具有不少於五年執業經驗，並獨立於雙方當事人之外。此外，仲裁員可根據條例第二十四章決定是否進行聆聽或對該批文件及資料進行審查。
9.. 在不損害每一方提出證據之權利的情況下，雙方同意在法律許可的範圍內，仲裁庭只有當.(a)該項措施很可能會產生與所爭議的事情直接有關的證據，及.(b) 該項措施屬公平及公正地解決糾紛所必須的措施時及.(c) 與以下第.11 段所述的雙方協議並無牴觸，才會實施下列措施.:
(i). 透露或查閱文件、證物或其他證據.;
(ii).交付質詢書.;
(iii).以誓章、證人口供或書面供詞方式作證或.取得證據.;
(iv).以證人口頭證供或以詰問證人方式作證或取得證據.;
(v).指令證人到該庭作供或是提交文件或其他實質證據.; 及／或
(vi).對有關的財產進行查核、拍照、保存、保管、扣留或出售。
而規則已據此修訂並須據此.(經修訂後的) 解釋。雙方並進一步同意，仲裁條例.(香港法律第341章)中第.2GB(6) 條的規定並不適用於仲裁。
10. 就該庭所作出的裁定，雙方同意如下.:
(i). 裁定對雙方均具有最終的約束力.;
(ii).雙方同意於該庭作出裁定起十四天內，全面執行裁定.;
(iii).任何裁定，均可.(視乎情況) 在任何有司法管轄權的法院中登錄為法院判決或藉登記而強制執行.;
(iv).任何一方可向任何具有司法管轄權的法院.申請，要求其承認或接納該裁定.;
(v).假如任何一方未能於上述第.10(ii) 段所指明的期間內履行該裁定，以致勝訴方須向未履約方或其資產強制執行該裁定，則未履約方須彌償勝訴方在強制執行該裁定時招致的任何費用或支出。
11. 雙方同意將盡最大努力促使仲裁程序於仲裁通知提交存案後.180 天內終結，而且在閣下香港嘉信理財美元帳戶結束及／或按本帳戶協議提供的服務終止後，仲裁條款仍繼續有效.; 雙方亦同意該庭將根據本協議經修訂的規則來行使其權力及責任，採取必要的行動使仲裁程序能於該期限內終結。
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Disputes With Charles Schwab & Co., Inc.For any dispute you have with Charles Schwab & Co., Inc. rather than Schwab Hong Kong under the Account Agreement, the Disputes section above applies. In addition, you have the option of bringing your claim to one of the U.S. self-regulatory organizations referenced below, and the following two sections apply.
1. Required Arbitration Disclosures. U.S. regula-tory authorities require that any brokerage agreement relating to Charles Schwab & Co., Inc. containing a predispute arbitration agree-ment must disclose that this agreement contains a predispute arbitration clause. This Agreement contains a predispute arbitration clause. By signing an arbitration agreement, the parties agree as follows:
(a) All parties to this agreement are giving up the right to sue each other in court, includ-ing the right to a trial by jury, except as provided by the rules of the arbitration forum in which a claim is filed.
(b) Arbitration awards are generally final and binding; a party’s ability to have a court reverse or modify an arbitration award is very limited.
(c) The ability of the parties to obtain docu-ments, witness statements and other discovery is generally more limited in arbitration than in court proceedings.
(d) The arbitrators do not have to explain the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by all parties to the panel at least 20 days prior to the first scheduled hearing date.
(e) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.
(f) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration. In some cases, a claim that is ineligible for arbitration may be brought in court.
(g) The rules of the arbitration forum in which the claim is filed, and any amend-ments thereto, shall be incorporated into this agreement.
No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until:
(1) the class certification is denied;
(2) the class is decertified; or
(3) the customer is excluded from the class by the court.
Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.
Arbitration AgreementAny controversy or claim arising out of or relating to (i) this Agreement, any other agreement with Schwab, an instruction or authorization provided to Schwab or the breach of any such agreements, instructions, or authorizations; (ii) the Account, any other Schwab account or Services; (iii) trans-actions in the Account or any other Schwab account; (iv) or in any way arising from the rela-tionship with Schwab, its parent, subsidiaries, affiliates, officers, directors, employees, agents or service providers (“Related Third Parties”), including any controversy over the arbitrability of a dispute, will be settled by arbitration.
This arbitration agreement will be binding upon and inure to the benefit of the parties hereto and their respective representatives, attorneys-in-fact, heirs, successors, assigns and any other persons having or claiming to have a legal or beneficial interest in the Account, including court-appointed trustees and receivers. This arbitration agreement will also inure to the benefit of third party service providers that assist Schwab in providing Services (“Third Party Service Providers”) and such Third Party Service Providers are deemed to be third party benefi-ciaries of this arbitration agreement.
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與嘉信理財公司之糾紛假如閣下與嘉信理財公司發生糾紛，而非與香港 嘉信理財發生糾紛，則「糾紛」部份適用。此外， 閣下可向以下美國監管機構提出申索，並適用於 以下兩部份。
1. 要求仲裁披露。美國監管機構要求任何有關 嘉信理財公司涉及爭議前的仲裁協議之交易協議，必須公開表示此協議包括爭議前的仲裁條款。此協議書包括一份爭議前仲裁協議條款。 簽署仲裁協議後，代表雙方同意如下 :
(a) 在此協議下，合約各方放棄向法院互相提出起訴的權利，包括放棄陪審團審訊的權利 ; 惟若仲裁組織提供之規則下，即申索已 備案，則不在此限。
(b) 一般而言，仲裁裁決屬最後決定及具法律效力 ; 合約各方申請還原或修改仲裁裁決的權利均非常有限。
(c) 雙方於仲裁中獲取文件、證人口供或其他證供的能力較法庭程序更為有限。
(d) 仲裁員毋須對裁決作出任何解釋，除非在符合條件的情況下，所有當事人於首次聆訊日期至少20天前，向仲裁小組提交一份聯合申請，要求獲得一份仲裁決議的解釋。
(e) 仲裁團內包括少數於證券業工作或與證券業有聯繫之仲裁人。
(f) 部份仲裁組織的規則或會對仲裁申索設定時限。在一些情況下，仲裁不受理的申索或會被提交法庭處理。
(g) 當申索已備案時，仲裁組織的規則及任何 修改，均編入此協議。
任何人均不得將一項可能被法院受理的或已被法院公證的集體訴訟提交仲裁，也不得對任何已認定向法院提交的集體訴訟的人員或已是集體訴訟的一員試圖強制履行糾紛前的任何仲裁合約，直至以下情況 :
(1) 法院拒絕受理該集體訴訟 ;
(2) 該集體訴訟的法院受理被取消 ; 或
(3) 法院已將客戶排除在該集體訴訟之外。
除於此聲明的範圍外，放棄以仲裁方式解決協議糾紛的行為並不意味放棄本協議內的任何權利。
仲裁協議任何有關 (i) 此協議、任何其他與嘉信理財公司之間的協議、向嘉信理財公司提供的指令或授權、或違反任何此等協議、指令或授權 ; (ii) 帳戶、任何其他嘉信理財公司帳戶或服務 ; (iii) 帳戶或任何其他嘉信理財公司之帳戶交易 ; (iv) 或任何因嘉信理財 公司、其母公司、分公司、聯營公司、高級人員、 董事、僱員、經紀或服務供應商 (「相關第三方」) 之關係而提出的糾紛，必須根據仲裁協議的規定來解決，這包括任何有關糾紛仲裁之爭議及申索。
此仲裁協議將適合各方及其有關代表、受權人、 財產繼承人、繼承人、受讓人及其他具有或索賠帳戶的法律或實益權益的人 (包括法庭委任的信託人及接管人)的利益，並對他們具有約束力。此仲裁協議亦將適合協助嘉信理財公司提供服務的第三者服務供應商 (「第三者服務供應商」) 的利益，而該第三者服務供應商被視為此仲裁協議的受益人。
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The parties agree that this arbitration agree-ment will apply even if the application to open the Account is denied and will survive the clo-sure of your Account and/or the termination of services rendered under this Agreement.
Such arbitration will be conducted by, and according to the securities arbitration rules and regulations then in effect of, the Financial Industry Regulatory Authority (FINRA) or any national securities exchange that provides a forum for the arbitration of disputes, provided that Schwab is a member of such national securities exchange at the time the arbitration is initiated. Any party may initiate arbitration by filing a written claim with the FINRA or such eligible national securities exchange. If arbitra-tion before the FINRA or an eligible national securities exchange is unavailable or impossible for any reason, then such arbitration will be conducted by, and according to the rules and regulations then in effect of, the American Arbitration Association (AAA). If arbitration before the AAA is unavailable or impossible for any reason, the parties agree to have a court of competent jurisdiction appoint three (3) arbitra-tors to resolve any and all disputes or controver-sies between or among the parties. Each party shall bear its own initial arbitration costs, which are determined by the rules and regulations of the arbitration forum. In the event of financial hardship, the arbitration forum may waive cer-tain costs in accordance with such rules. At the conclusion of the hearing, the arbitrators will decide how to assess the costs of the arbitra-tion among the parties.
Any award the arbitrator makes shall be final and binding, and judgment on it may be entered in any court having jurisdiction. This arbitration provision shall be enforced and interpreted exclusively in accordance with applicable federal laws of the United States, including the U.S. Federal Arbitration Act. Any costs, fees or taxes involved in enforcing the award shall be fully assessed against and paid by the party resisting enforcement of said award.
For FINRA arbitrations, FINRA will appoint a single public arbitrator in customer cases decided by one arbitrator. In customer cases decided by three arbitrators, investors have the
option of choosing an arbitration panel with two public arbitrators and one non-public arbitrator (Majority-Public Panel Rule) or a panel of all public arbitrators (Optional All-Public Panel Rule). If the customer declines to elect a panel selection method in writing by the applicable deadline, the Majority-Public Panel Rule for selecting arbitrators will apply.
All notices from one party to the other involving arbitration shall be considered to have been fully given when so served, mailed by first-class, certified or registered mail, or otherwise given by other commercially accepted medium of written notification.
In addition to the above provisions, if you are or become a non-U.S. resident at the time of any controversy subject to this arbitration agreement, you agree to the following additional provisions:
1. The rules of the organization administering the arbitration specifically provide for the formal designation of the place at which the arbitra-tion is to be held.
2. Entering into this Agreement constitutes con-sent to submit to the personal jurisdiction of the courts of the state of California, U.S.A., to interpret or enforce any or all of these arbitra-tion provisions. Judgment on any arbitration award may be entered in any court having jurisdiction, or application may be made to such court for judicial acceptance of the award and an order of enforcement, as the case may be.
3. The exclusive language to be used by the parties and the arbitrators in the arbitration proceedings shall be English. Any party wish-ing an interpreter shall make all arrangements directly with the interpreter and shall assume all costs of the service.
4. If a party is a foreign government or state, state-owned or state-operated enterprise or other instrumentality of a foreign government or state, such party waives all rights of sovereign immunity and neither the Federal Act of State doctrine nor the doctrine of sovereign immunity shall apply insofar as any enforcement in courts located in the U.S.A. is concerned.
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各方同意儘管開立帳戶之申請不被接納，以及在閣下的美元帳戶結束／或按本帳戶協議提供的服務終止後，此仲裁協議仍繼續生效。
有關仲裁將由美國金融業監管局 (FINRA) 及任何提供糾紛仲裁組織之國家證券交易所執行，並根據證券仲裁規則及條例進行，而嘉信理財公司必須於仲裁被提交時為該國家證券交易所之成員。任何一方可與 FINRA 或該合資格國家證券交易所以書面要求提出仲裁。若仲裁因任何原因未能於FINRA 或該合資格國家證券交易所進行，則有關仲裁將由美國仲裁協會 (AAA) 執行，並根據有關規則及條例進行。若仲裁因任何原因未能與美國仲裁會進行，則各方同意由被有司法管轄之法庭委任三 (3) 名仲裁員，解決各方之任何糾紛及爭議。各方須承擔各自的仲裁費用，有關費用將根據仲裁組織之規則及條例而決定。若有經濟困難，仲裁組織或會根據規則豁免一定的費用。仲裁員於聆聽結論後，將決定如何分配仲裁費用。
仲裁員的裁定具最終約束力，並可在任何有司法管豁權的法院中登錄為法院判決。此仲裁可根據美國聯邦法律行使及傳釋，包括美國聯邦仲裁法令。所有有關行使此裁定之費用、成本及稅項開支，由未履約方全數支付。
對於美國金融業監管局 (FINRA) 的仲裁，FINRA 在由一位仲裁人裁決的客戶案件中將任命一位公設仲裁人。在由三位仲裁人裁決的客戶案件中，投資人可以選擇由兩位公設仲裁人和一位非公設仲裁人組成的仲裁小組 (「多數公設仲裁小組規則」)
(“Majority-Public Panel Rule”) 或由全部為公設仲裁人組成的小組 (「選擇性全公設仲裁小組規則」)(“Optional All-Public Panel Rule”)。如果客戶拒絕在相關截止期限前以書面形式決定仲裁小組的選擇方法，則以「多數公設仲裁小組規則」作為選擇仲裁人的方法。
任何一方向對方發出有關仲裁的通知，必須透過頭等、認證或掛號郵件，或其他任何商界接受的 書面方式發出。
除以上條款外，若閣下於此仲裁協議產生任何爭議時已成為非美國公民，閣下必須同意以下額外 條款 :
1. 指定於正式任命的地方處理仲裁之機構的 規則。
2. 此項協議之訂立構成同意服從根據美國加洲個人法庭頒令行使的所有仲裁條款。任何裁定，均可在任何有司法管轄權的法院中登錄為法院判決及藉登記而強制執行。
3. 訂約方及仲裁者在仲裁程序所使用的規定 語言為英語。任何訂約方如需要傳譯員將要 與傳譯員作出所有安排並要承擔有關服務的 所有費用。
4. 倘一方為外國政府或國家、國有或國營企業或外國政府或國家，該方需要放棄所有主權國豁免權的所有權利，而就位於美國的法庭作出強制執行時，聯邦國家法原則或主權國豁免原則均不適用。
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Waiver of Class Action or Representative ActionThis provision is withdrawn and is no longer in force or effect notwithstanding any conflicting provisions in any other Account-related agreement.
Breach or DefaultIn the event of any breach by you of any agree-ment with us, or any default by you in any obligation to us; or should you die or file a petition in bankruptcy or should a receiver be appointed by or against you; or should we for any reason whatsoever deem it necessary for our protection, Schwab Hong Kong is hereby authorized, at its discretion, to instruct the Clearing Broker to sell any or all of the Securities and Other Property in any of your accounts which may be in our possession or control, or to buy-in any Securities or Other Property of which your account or accounts may be short, or cancel any other standing orders, to close out your account or accounts in whole or in part, or in order to close out any commit-ment made on your behalf. Any such sale, purchase or exchange or cancellation may be made according to Schwab Hong Kong’s judg-ment and may be made, at its discretion, on the exchange or other market where such business is then usually transacted, or at public auction or at private sale, without adver-tising the same and without notice to you or to your personal representative, and without prior tender, demand or call of any kind upon you, or upon your personal representative (each of which is expressly waived by you), and Schwab Hong Kong may purchase the whole or any part thereof free from any right of redemption, and you shall remain liable for any deficiency; it being understood that a prior tender, demand, call or notice of any kind shall not be consid-ered a waiver of Schwab Hong Kong’s right to sell or buy any Securities and/or Other Property held by Schwab Hong Kong, or owed by Schwab Hong Kong by you, at any time as hereinbefore provided. Nothing in this Agreement shall be construed as relieving you of any obligations imposed by law.
AssignmentYou may not assign your rights or obligations under this Agreement without first obtaining the prior written consent of Schwab Hong Kong. Schwab Hong Kong may assign its rights and obligations under this Account Agreement to any subsidiary, affiliate or successor by merger or consolidation without notice to you, or to any other entity after 30 days’ written notice to you.
Governing LawThis Agreement shall be governed by the law of the Hong Kong Special Administrative Region of the People’s Republic of China.
Rights of Third PartiesUnless otherwise stipulated in this Agreement, a person who is not a party to this Agreement has no rights under the Contracts (Rights of Third Parties) Ordinance.
SeparabilityIf any term of this Agreement is found invalid or unenforceable in any jurisdiction, it shall remain valid and enforceable for all other jurisdictions and all other provisions will remain in force in the jurisdiction in which the term was found invalid or unenforceable.
Notice Regarding Clearing ArrangementYou acknowledge that you have received and read the notice regarding the clearing arrange-ment with Charles Schwab & Co., Inc. entitled: “Your Brokerage Account at Charles Schwab, Hong Kong, Ltd. and the Clearing and Other Services Provided by Charles Schwab & Co., Inc.”
Entire Agreement, Amendment and WaiverThe Charles Schwab Hong Kong U.S. Dollar Account Agreement, including all disclosures, terms and agreements incorporated by reference, each as amended from time to time, is the complete statement of your agreement with us.
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放棄集體訴訟或代表訴訟本條文已撤回並不再生效或有效，儘管任何其他與帳戶有關的協議有任何有抵觸的條文。
違約或失責假如閣下違反與我方訂立的任何協議，或是未能履行對我方的任何責任.; 或閣下身故，或是提出破產申請，或是由閣下或對閣下委任財產接管人.; 或基於任何理由我方認為須保障我方，香港嘉信理財謹此獲授權，可自行決定指示結算經紀出售在閣下的任何帳戶內的、由我方管有或控制的任何或所有證券及其他財產，或是購入在閣下的帳戶內屬沽空的任何證券及其他財產，或是取消任何其他待執行的交易指令，以結算閣下所有或部份的帳戶，或藉此撤銷代表閣下所作的任何承諾。任何該等出售、購買、交換或撤銷，均可根據香港嘉信理財的判斷執行，且由香港嘉信理財自行決定，於當時通常進行該等交易的交易所或其他市場、或是透過公開拍賣或私人銷售來進行，無須在事前公告及給予閣下或閣下的私人代表通知、及無須事先向閣下或閣下的私人代表作任何形式的投標、要求或邀請.(上述每一項均由閣下明確地表明放棄其權利)。香港嘉信理財有權購下所有或部分該等證券及其他財產並免受任何贖回權限制，而閣下則仍須對任何不足之數負責。在此明確提出，香港嘉信理財在事前所作的任何形式的投標、要求、邀請或通知，於任何時候均不得被視為乃香港嘉信理財放棄出售或購入任何香港嘉信理財所持有的、或是香港嘉信理財因閣下而欠負的證券及其他財產的權利，一如上文所述。本協議沒有有任何地方可被闡釋.為免除閣下履行法律所規定的任何責任。
轉讓閣下不可在未取得香港嘉信理財之事先書面同意前，按照本協議轉讓閣下之權利及責任。香港嘉信理財毋須經通知閣下即可將其在本帳戶協議訂下的權利和義務轉讓給任何附屬公司、聯屬公司或合併或聯併後的繼受人或向閣下發出書面通知.30 天後將其在本帳戶協議項下的權利和義務轉讓給任何其它實體。
規管法律本協議將受中華人民共和國香港特別行政區之.法律規管。
第三方權利除非本協議另有規定，不屬於本協議書簽署方之人士，依照「合同法.(第三方權利) 條例」規定，則不享有任何權利。
可分割性若任何本協議的條款在任何司法管轄區中屬無效或不能強制執行，該條款在所有其他司法管轄區中仍屬有效並可予強制執行.; 而在該條款屬無效或不能強制執行的司法管轄區中，協議中所有其他條文依然有效。
結算安排通知閣下承認閣下已收到及閱讀標題為「閣下於香港嘉信理財之經紀帳戶及嘉信理財公司所提供之結算及其他服務」有關嘉信理財公司結算安排之通知。
整份協議、修訂及豁免香港嘉信理財美元帳戶協議包括所有會隨時更改的公開說明、條款及協議，並為閣下與我們的完整協議。
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Notwithstanding the foregoing, with respect to any Account subject to the terms of this Agreement, Schwab Hong Kong may provide you with notice of matters impacting your Account, which will include your direction, instruction, and authorization with respect to the action to be taken (or not to be taken, as applicable) with respect to the particular matter related to your Account. We will give you as much advance notice of the action to be taken (or not to be taken, as applicable) as is practicable under the circumstances. You will be deemed to have directed, instructed, and authorized us to take such action (or to not take such action, as appli-cable) if you fail to provide us with written com-munication to the contrary within the time period set forth in our notice to you. Your provision of such written communication to us may result in termination of your Account, without penalty imposed by Schwab Hong Kong.
The Agreement may be amended only in the following manner. On prior written notice to you, Schwab Hong Kong may modify or rescind exist-ing provisions or add new provisions, and your continued use or maintenance of your Schwab Hong Kong U.S. Dollar Account shall signify your consent to any such modification, rescission or addition. Amendments will not affect rights or obligations either party incurs before the effec-tive date of the amendment. No prior conduct, past practice, or oral statement by a Schwab Hong Kong employee or agent can amend or modify this written agreement, including (but not limited to) Schwab Hong Kong’s right to declare immediately due and payable any Debit Balance in your account and/or to liquidate or close any position in your account, without notice, in order to satisfy such a Debit Balance.
Waivers of rights under the Agreement must be expressed in writing and signed by the party waiving the rights. A waiver will apply only to the particular circumstance giving rise to the waiver and will not be considered a continuing waiver in other similar circumstances, unless the intention to grant a continuing waiver is expressed in writing. Our failure to insist on strict compliance with the Agreement or any other course of conduct on our part is not considered a waiver of our rights under the Agreement.
SIPC ProtectionThe Securities Investor Protection Corporation (SIPC) provides up to US$500,000 of protection for securities in accounts you hold in a sepa-rate account capacity (for instance, as custo-dian, joint tenant, or sole owner) with a limit of US$250,000 for claims of uninvested cash balances. For further details, please see www.sipc.org. This protection does not cover fluctuation in the market value of your securi-ties. Account protection is not provided for the accounts of banks or broker-dealers maintained for their own account.
To obtain information about SIPC, including an explanatory SIPC brochure, please contact SIPC at www.sipc.org or 1-202-371-8300.
Electronic CopiesThe electronically stored copy of your (or your agent’s) signature, any written instructions or authorizations, the Account Application and the Agreement and Disclosures is considered to be a true, complete, valid, authentic and enforce-able record, admissible in judicial, administrative or arbitration proceedings to the same extent as if the documents and records were originally generated and maintained in printed form. You agree to not contest the admissibility or enforce-ability of Schwab Hong Kong’s electronically stored copy of such documents in any proceed-ing between you and Schwab Hong Kong.
Non-Face-to-Face Account Opening for IndividualsIf we process a new account application on a non-face-to-face basis, we are required to verify your signature and identity by various methods including taking in your signed physical copy of the Client Agreement together with a copy of your government issued identity document and encashing a check (amount not less than HK$10,0001 and bearing your name as shown in your identity document) issued by you and drawn on your account with a licensed bank in Hong Kong. The new account will not be activated until the check is cleared if you use this method.
1 The minimum check amount required is subject to periodic review and will be revised when appropriate.
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儘管有前述，就任何受本協議之條款所約束之帳戶，香港嘉信理財將向閣下提供影響閣下帳戶事宜的通知，將包括閣下就有關閣下帳戶特定事宜將採取.(或不採取，如適用) 之行動的指示、指令及授權。我們將在可行的情況下，儘早就將可採取.(或不採取，如適用) 之行動通知閣下。閣下若沒有在我們通知所列之期限內向我們發出截然相反之書面通知，將被視為已指示、指令或授權我們採取此等行動(或不採取有關行動，如適用)。閣下向我們發出的此等書面通知，或導致帳戶終止，而香港嘉信理財不會收取罰款。
本帳戶協議只可依以下的方式修訂。在事先給予.閣下書面通知後，香港嘉信理財可更改或刪除現有的條文，或加入新的條文，若閣下繼續使用或維持香港嘉信理財美元帳戶，即表明閣下同意任何該等條文的更改、刪除或增補。該等的修訂不影響任何一方在修訂生效日期前的權利或義務。任何香港嘉信理財僱員或代理人以前的行為、以往的成習、或口頭陳述，均不能修訂或修改本書面協議，包括.(但不限於) 香港嘉信理財宣告閣下帳戶的借方結餘成為即時應付的債項，及／或為清償該項借方.結餘，可不予通知而結清或結束閣下的帳戶。
放棄本協議之下的權利，必須以書面形式表明，並由放棄權利的一方簽署。放棄權利只適用於導致該放棄權利的特定情況，而不會在其他類似的情況下被視為持續的棄權，除非放棄權利的一方以書面承認持續棄權的意圖。若我方未有嚴格執行本協議的規定，或任何其他行為，不得被視為我方對本協議下的權利的放棄。
證券投資者保障公司之保障證券投資者保障公司.(Securities Investor Protection Corporation – SIPC) 對您於每一個以.個別身分設立之帳戶.(例如以監管人、聯權共有人或唯一擁有人)中持有的證券提供高達.$500,000美元的保障，而未投資現金餘額的索償限則為$250,000 美元。詳情請瀏覽.www.sipc.org 。此保障計劃只適用於個人帳戶，並不包括閣下香港嘉信理財美元帳戶因任何市場波動所導致的損失。該帳戶保障並不適用於銀行帳戶或由經紀經銷商所管理之帳戶。
如欲索取有關美國投資者保障公司之資料.: 包括.解釋美國投資者保障公司的小冊子，請登入網址www.sipc.org 或致電.1-202-371-8300 查詢。
電子備份閣下.(或閣下之代理人) 之簽名式樣、任何書面指示及授權、帳戶申請及協議及披露的電子備份，被視為準確、完整、有效、可靠及可強制執行之證據、.可呈交司法、行政法或仲裁團處理，跟列印之文件正本擁有同等效力。閣下同意於任何有關閣下與.香港嘉信之訴訟時，不會就香港嘉信理財儲存.有關文件之電子備份的可接納性及強制性執行作出任何爭論。
非親身開立個人帳戶如我們以非親身開立帳戶形式處理開戶申請，我們須經若干可行方法核實您的簽署及身份，如.:.收取您已簽署的客戶協議書正本連同由政府發出的.閣下身份證明文件副本，以及兌現由您在香港持牌.銀行開立的帳戶所簽發的支票.(金額不低於港幣10,000 元1，並須載有您在身份證明文件上所顯示的姓名)。如使用此方法，必須待清算支票後才可.使用新帳戶。
1 支票最低金額的規定將定期檢討，並會於適當時加以修訂。
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SuitabilityIf Schwab Hong Kong solicits the sale of or recommends any financial products to you, the financial product must be reasonably suitable for you, having regard to your financial situa-tion, investment experience, and investment objective. No other provision of this Agreement or any other document we may ask you to sign and no statement we may ask you to make derogate from this term of the Agreement.
DIVIDEND REINVESTMENTProvision of Dividend ReinvestmentYour enrollment in Dividend Reinvestment will be activated two Exchange Business Days after you notify Schwab Hong Kong by telephone, or five Exchange Business Days after receipt of your letter, that you wish to enroll an eligible Security. When your enrollment is activated, you agree to be bound by this, as well as any other agreements between you and Schwab Hong Kong that apply to your account.
You may direct Schwab Hong Kong to add the Dividend Reinvestment to all eligible Securities in your account, or you may choose individual Securities for automatic Dividend Reinvestment. To add or remove Dividend Reinvestment with respect to Securities in your account, you must notify Schwab Hong Kong at least one Exchange Business Day prior to the day on which dividends or other eligible cash distribu-tions are payable for those Securities. Dividends are reinvested on all Securities you have selected that you own on the record date for determining shareholders eligible to receive dividends, as long as you still own any whole shares of such Securities on the dividend payable date. Dividend Reinvestment does not assure profits on your investments and does not protect against loss in declining markets.
You agree to pay all transaction fees as they exist from time to time and apply to your trans-actions and the services you receive. However, Schwab Hong Kong may choose, at its own discretion, to participate in a third party divi-dend reinvestment program.
Eligible SecuritiesSecurities listed on the New York Stock Exchange or the American Stock Exchange, or traded on the National Association of Securities Dealers Automated Quotation System (Nasdaq), are generally eligible for Dividend Reinvestment, except for non-U.S. Securities, short positions (obligations to sell securities you did not own at the time the order was placed) and Over the Counter Bulletin Board securities.
Eligible Cash Distributions for ReinvestmentMost cash distributions on eligible securities selected for participation in our Dividend Reinvestment plan may be reinvested, including most regular dividends, capital gains distribu-tions, and the like. However, cash-in-lieu, spe-cial dividends, interest, and distributions of any kind that are larger than 5% of the share value cannot be automatically reinvested. You may not combine funds from eligible cash distributions with any funds you deposit into your account to make automatic reinvestment purchases.
Dividend Reinvestment Transactions in Eligible SecuritiesCash distributions from your account will be combined with those from other customers requesting reinvestment in the same Security and used to purchase Securities for both you and these other customers. Your account will be credited the number of shares equal to the amount of your funds to be reinvested in a particular Security divided by the purchase price per share. If several purchase transac-tions are required in order to reinvest your and other customers’ eligible cash distributions in a particular Security, the purchase price per share will be the weighted average price per share for all such shares purchased. Timing of purchases is subject to our discretion.
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適合性如果香港嘉信理財向您出售或推薦任何金融產品，則已考慮過您的財務狀況、投資經驗和投資目標後，認為此金融產品合理並適合您。我方可能要求您簽署本協議或任何其他文件的其他條款、或我方要求您作出的任何聲明，均不損及本協議的這項條款。
股息再投資
股息再投資條款閣下之股息再投資登記將於閣下於致電通知香港嘉信理財欲登記合資格證券後兩個交易所營業日，或收到閣下欲登記合資格證券之函件後五個交易所營業日後生效。當閣下登記生效時，即表示閣下同意受本協議或任何其他由閣下與香港嘉信理財就閣下之帳戶而訂立之協議約束。
閣下可指示香港嘉信理財將股息再投資加在閣下之帳戶中所有合資格證券上，或閣下可選擇個別證券進行自動股息再投資。就增加或刪除於閣下之帳戶之證券股息再投資而言，閣下必須於上述證券之股息或其他合資格現金分派派付之日期前最少一交易所營業日通知香港嘉信理財。股息會於決定持股人是否合資格收取股息之紀錄日期再投資於閣下選擇之所有證券上，惟閣下須於股息派付當日擁有該等證券之任何完整股份。股息再投資不會保證閣下投資之盈利，亦不保障逆市時之損失。
閣下同意支付就閣下所進行之交易及使用服務而徵收之所有交易費用。然而，香港嘉信理財可自行決定選擇參與第三方之自動再投資計劃。
合資格證券於紐約證券交易所或美國證券交易所上市、或於證券交易商全國協會自動報價系統(納斯達克.—Nasdaq) 上市交易之證券，一般均合資格作股息再投資，惟非美國證券，空倉.(承諾出售閣下於發出買賣指示時仍未擁有之證券) 及在場外交易報價板(Over the Counter Bulletin Board) 的證券例外。
合資格現金分派以作再投資大部分被選擇參與我們的股息再投資計劃的合資格證券之現金分派，均可再作投資，包括大部分普通股息、資本收益分派、以及同類的分派。然而，以現金取代、特別股息、利息、及超逾股票價值百分之五的任何類型的分派，均不能作自動再投資。閣下不能將合資格現金分派之資金與閣下存入閣下帳戶的任何資金合并作股息自動再投資購買。
合資格證券之股息再投資交易閣下帳戶之現金分派將會與其他要求再投資於.同一證券之客戶的現金分派合併，並用以為閣下及其他客戶購買證券。閣下於指定證券作再投資的.資金除以每股買價而得出之股份將以同等數額記入閣下之帳戶。倘需要多項購買交易才可達成將.閣下及其他客戶的合資格現金分派再投資於指定的證券，則每股買價將為所有該等已購入股份之每股加權平均價格。購入的時間則由我方決定。
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Partial SharesAutomatic reinvestment of your eligible cash distributions may give you interests in partial shares of Securities, which Schwab Hong Kong or its Clearing Broker will calculate to four decimal places. You will be entitled to receive dividend payments proportionate to your partial share holdings.
If an account is transferred, if a stock under-goes a reorganization or if stock certificates are ordered out of an account, partial share posi-tions, which cannot be transferred, reorganized or issued in certificate form, will be liquidated at prevailing market prices. No commission will be charged for these transactions. Timing is subject to Schwab Hong Kong’s discretion. You will also be entitled to receive proxy voting materials and voting rights proportionate to your partial shares, except in the event of certain types of corporate reorganizations. In mandatory corporate reorganizations, your partial shares will be handled according to the terms of the particular reorganization. In voluntary reorganizations, instructions you give Schwab Hong Kong will be applied only to your whole shares.
In the event of a rights offering to holders of an eligible Security, Schwab Hong Kong will cause the rights accruing to all partial shares of that Security that are subject to Dividend Reinvestment to be sold, and Schwab Hong Kong will invest the proceeds in shares of that Security.
Dividend Reinvestment may give you a partial share position in Securities that are callable in part. In the event of a call, the partial shares to be called will be selected in an automated random selection in which the probability of your holdings being selected is proportional to the holdings of all customers of the Clearing Broker who hold partial share positions in that Security. You have the right to withdraw from your account cash-in-lieu of your uncalled, fully paid, partial share positions prior to the publication date of a partial call.
You have the right to liquidate fractional shares at any time, regardless of whether or not a call has been announced. Once a call has been announced (publication date), all shares partici-pate in the random call process, regardless of whether they are registered or held in street name. If you no longer have the shares you had on publication date, and your position is called, you will need to cover these shares.
Optional DividendsWhen a U.S. domestic company offers its shareholders a choice to receive a dividend either in cash or stock, the Clearing Broker will use your dividend reinvestment election as the basis for allocating future distributions. In other words, accounts that have elected to have their dividends reinvested in the affected security will be credited optional dividends with addi-tional shares, while accounts that have elected to receive their dividends in cash will be paid optional dividends in cash.
Confirmations and StatementsAll transactions made through Dividend Reinvestment will be confirmed on your regular account statement.
Continuing Effect of Authorization; TerminationYou authorize Schwab Hong Kong to instruct the Clearing Broker to purchase your account shares of the Securities you have selected for Dividend Reinvestment. Authorizations under this section will remain in effect until you pro-vide notice to the contrary at least two Exchange Business Days prior to the day on which cash dividends are paid. Such notice will not affect any obligations resulting from transac-tions initiated prior to our receipt of the notice.
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非整數股份閣下自動再投資合資格現金分派可為閣下帶來非整數股份而香港嘉信理財或其他結算經紀以計算至小數後四位。閣下有權就閣下持有非整數股份.而按比例收取股息派款。
倘帳戶經已轉戶、倘股票進行重組或倘從帳戶提取股票證書，則不能轉讓、重組或以證書形式發行之非整數股份之持倉將以現行市價出售。此等交易不會徵收任何佣金.; 時間由香港嘉信理財酌情決定。閣下亦有權收取代表委任投票文件及可就閣下之非整數股份按比例獲得投票權，惟若干類別之公司重組則除外。就強制性之公司重組而言，閣下之部份股份將按照若干類別之公司重組之條款處理。就自願性之重組而言，閣下給予香港嘉信理財之指示將僅應用於閣下之完整股份上。
倘向合資格證券持有人提出供股建議，則香港嘉信理財將促使進行股息再投資之證券之所有非整數股份所獲取之供股權予以出售，並將所得款項投資於該證券之股份上。
股息再投資可令閣下得到可部份贖回的非整數證券。倘被贖回，將予贖回之非整數股份將以自動隨機抽取方式選取，而閣下持有之股份被選取之機會將按閣下與結算經紀擁有該項證券之所有客戶所持有之部份股份數量之比例決定。閣下有權於部份股份贖回文件刊發之日期前，於閣下之帳戶中提取倘未贖回惟已繳足股本之非整數股份之代金。
不論贖回是否已公布，閣下有權於任何時間出售.碎股。當贖回已經公布.(刊發日期)，所有股份.(不論其是否已登記或以行號代名持有) 均須參與贖回.隨機抽取程序。倘閣下已並無持有於刊發日期擁有之股份，而閣下收到贖回通知，閣下仍須替此等.股份作抵補。
可選擇之股息當一家美國當地公司讓股東選擇以現金或股票方式收取股息時，結算經紀將以閣下的再投資股息選擇作為分配股票投資的參考。換言而之，所有選擇再投資股息的帳戶，涉及的證券將以額外股份方式收取可選擇之股息，若選擇收取現金股息的帳戶，則以現金形式收取可選擇之股息。
確認書及帳戶單所有透過股息再投資所作之交易，將會於閣下之正常帳戶單中予以確認。
授權之持續效力及終止閣下授權香港嘉信理財指示結算經紀替閣下之帳戶購買閣下所選擇股息再投資證券之股份。本節之授權於閣下在派付現金股息前最少兩個交易所營業日給予撤銷授權之通知前仍然有效。該等通知將不會影響因我方於收到通知前所進行交易而導致之任何責任。
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Automatic Dividend Reinvestment Transactions in The Charles Schwab Corporation StockThe following applies only to account holders who add or remove Dividend Reinvestment with respect to stock of The Charles Schwab Corporation (“SCHW”) held in their Schwab Hong Kong U.S. Dollar Account. To add or remove Dividend Reinvestment with respect to SCHW stock in your account, you must notify Schwab Hong Kong by telephone at least two Exchange Business Days prior to the day on which dividends or other eligible cash distribu-tions are payable for SCHW stock securities. Schwab Hong Kong or its Clearing Broker will appoint an independent bank or broker-dealer, other than an affiliate of The Charles Schwab Corporation, to act as buying agent for auto-matic reinvestment for eligible cash distribu-tions in SCHW stock. Schwab Hong Kong or its Clearing Broker may change this buying agent at any time. Schwab Hong Kong will pay broker-age commissions or service charges assessed by the buying agent that apply to automatic reinvestment transactions in SCHW stock. Schwab Hong Kong will also bear all administra-tive costs of Dividend Reinvestment that are associated with reinvestment in SCHW stock.
Schwab Hong Kong or its Clearing Broker will promptly forward to the buying agent all eligible cash distributions that Schwab Hong Kong or its Clearing Broker receives from SCHW for Dividend Reinvestment participants. The buying agent will use all funds it receives on behalf of service participants to purchase shares of SCHW stock in the open market. The buying agent may buy such shares through the Clearing Broker or through another broker-dealer. Shares purchased by the buying agent will be delivered to Schwab Hong Kong or its Clearing Broker as your admin-istrative agent. Schwab Hong Kong will credit your account with the number of SCHW shares equal to the amount reinvested on your behalf divided by your price per share. Your price per share will be the weighted average price of all shares purchased for the Dividend Reinvestment participants by the buying agent with the funds from a particular eligible cash distribution.
In the event of an exchange or tender offer for shares of SCHW stock, Schwab Hong Kong will promptly supply requests for instructions to each account holder who has chosen SCHW stock for Dividend Reinvestment. Neither Schwab Hong Kong nor its Clearing Broker will take any action with respect to any such exchange or tender offer without specific instructions from you. If you do not authorize Schwab Hong Kong to take action on your behalf, regular service transaction fees will apply.
SWEEP FUNDSThe Sweep Funds are short-term liquidity funds whose shares are available for automatic investment and redemption through your Schwab Hong Kong U.S. Dollar Account. The funds may be managed outside the Charles Schwab group.
• The Free Credit Balance in your Schwab Hong Kong U.S. Dollar Account on any Exchange Business Day will be invested automatically in shares of your Sweep Fund on the following Exchange Business Day. If securities pur-chases are scheduled to settle within the next two Exchange Business Days, we’ll hold adequate funds in your Schwab Hong Kong U.S. Dollar Account to cover the transactions. We’ll also hold in your Schwab Hong Kong U.S. Dollar Account credit balances that are designated as collateral for your obligations, such as a cash balance resulting from a short sale. These credit balances won’t be avail-able for investment in your Sweep Fund.
• If we’ve credited your Schwab Hong Kong U.S. Dollar Account for dividends on your Sweep Fund resulting from the investment of money represented by a check or other item that is later returned unpaid, we’ll charge your Schwab Hong Kong U.S. Dollar Account for the amount of these dividends.
• We’ll automatically redeem shares of your Sweep Fund to satisfy a Debit Balance in your account, and to pay for securities transactions or to provide necessary cash collateral in your margin account, if you have one. If you intend to send funds to settle securities transac-tions, we must receive these funds on the Exchange Business Day before the settlement date to prevent an automatic redemption.
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嘉信理財集團證券之自動股息再投資交易
以下各項僅適用於加入或取消於其香港嘉信理財美元帳戶內持有之嘉信理財集團.(“SCHW”) 證券之股息再投資之客戶。就加入或取消閣下帳戶中嘉信理財公司證券之股息再投資而言，閣下必須於嘉信理財公司證券之股息或其他合資格現金分派派付之日前最少兩個交易所營業日，致電通知香港嘉信理財。香港嘉信理財或其結算經紀將委任非嘉信理財集團之聯屬公司之獨立銀行或經紀證券商，.作為.SCHW 證券之合資格現金分派之自動再投資購買代理人。香港嘉信理財或其結算經紀可隨時轉換購買代理人。香港嘉信理財將就嘉信理財公司證券之自動再投資交易而支付由購買代理人評定之經紀佣金及服務費。香港嘉信理財亦須負責與嘉信理財公司證券再投資有關之股息再投資之所有行政費用。
香港嘉信理財或其結算經紀會為股息再投資者將從.SCHW 證券收到之合資格現金分派儘速轉交予購買代理人。購買代理人會將其代表服務參與者所收取之所有資金於在公開市場購買嘉信理財公司證券之股份。購買代理人可透過結算經紀或其他經紀證券商購買該等股份。由購買代理人購入之股份將送達作為閣下之行政代理人之香港嘉信理財或其結算經紀。香港嘉信理財會將數目相等於代表閣下再投資之股息除以閣下之每股價格而得出數額之嘉信理財公司之股份存入閣下帳戶。閣下之每股價格為由購買代理人以合資格現金分派之資金為股息再投資參與者所購買之所有股份之加權平均價格。
倘嘉信理財公司證券之股份有收購及交換建議，.香港嘉信理財將會儘速向每位選擇嘉信理財公司證券股息再投資之帳戶持有人提請指示。香港嘉信理財或其結算經紀均不會在未取得閣下之特定指示前，就任何該等股權收購或交換收購作出任何行動。倘閣下不授權香港嘉信理財代表閣下作出行動，將向閣下收取正常之服務交易費用。
流動資金 (“SWEEP FUNDS”)流動基金乃短期流動基金，其股份可透過閣下之香港嘉信理財美元帳戶作出自動投資或贖回。基金並不一定經由嘉信理財集團管理。
•. 任何一個交易所營業日閣下之香港嘉信理財美元帳戶內可自由動用貸方結餘將於緊隨之交易所營業日自動投資於閣下之流動基金股份中。倘所購入之證券定於之後的兩個交易所營業日內結算，我方將於閣下之香港嘉信理財美元帳戶中持有足夠資金應付交易。我方亦於閣下之香港嘉信理財美元帳戶中持有指定作為閣下履.行責任抵押品之貸方結餘，如從沽空所得之.現金結餘，此等貸方結餘不會提供作流動基金之投資。
•. 倘我方在閣下之香港嘉信理財美元帳戶已記入來自投資於閣下的流動基金之股息，而代表此.金額之支票或其他款項在稍後未兌現而被退回，我方將向閣下之香港嘉信理財美元帳戶扣除這些股息的金額。
•. 我方將自動贖回閣下之流動基金股份，以清償閣下帳戶之借方結餘及支付證券交易或倘閣下已開設保證金帳戶的話，用作所需之現金抵押品。倘閣下擬傳送資金以結清證券買賣費用，.則我方必須於結算日前之一個交易所營業日.收到此等資金，以免自動贖回。
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• We will send a confirmation for the first sweep transaction in your Sweep Fund. All subsequent sweep transactions (including purchases, redemptions, dividends and dividend reinvest-ments) will appear on your periodic Schwab Hong Kong U.S. Dollar Account statements.
• Investments in the Sweep Funds are subject to restrictions described in the fund prospec-tus. For more complete information about the Sweep Funds, including charges and expenses, call Schwab to request a prospec-tus. Please read it carefully. An investment in a fund is neither insured nor guaranteed by the U.S. government. There can be no assur-ance that a fund will be able to maintain a stable net asset value of $1.00 per share.
• If we fail to purchase shares of the fund accord-ing to this agreement, our liability is limited to the actual amount of the dividends you’d have earned had the shares been purchased.
• You authorize us to act as your agent to purchase and redeem Sweep Fund shares for your account. This authorization will remain effective until you give notice to us to the contrary. Such notice will not affect any obligations resulting from transactions initi-ated prior to our receipt of the notice.
∙ In the event that a Sweep Money Fund is no longer able to maintain the net asset value of its shares at $1.00, then you authorize and instruct Schwab, without further notice to you, to redeem all of your Sweep Money Fund shares as soon as commercially practicable. Should such an event take place, your Free Credit Balance will become non-interest- bearing. For more information, please contact your Schwab Representative.
ELECTRONIC SERVICES AGREEMENTUse of Electronic ServicesThis Electronic Services Agreement (“ESA”) between you and Schwab Hong Kong states the terms and conditions of your use of Schwab Hong Kong’s Electronic Services. “Electronic Services” means any and all of Schwab Hong Kong’s computer or telephonic (including wire-less and facsimile) services or systems including, but not limited to, services and information accessible through Schwab Hong Kong’s web-
site (Internet site), Schwab Hong Kong’s exter-nally accessible computers and networks, VoiceBroker™, TeleBroker®, PocketBroker™, or their successors, and any other computer or telephonic securities trading services or infor-mation system provided to you by Schwab Hong Kong, whether established by Schwab Hong Kong directly or through other service providers or affiliates or Clearing Broker of Schwab Hong Kong.
In offering its Electronic Services, Schwab Hong Kong is making available to you interactive com-puter services and/or automated telephonic (including wireless) services or facsimile or systems that allow you to enter orders to buy and sell certain securities, stock options and mutual funds within a Schwab Hong Kong U.S. Dollar Account and to obtain quotes and other information via computer or telephonic trans-mission for use on compatible personal, home or small business computers, including Internet appliances with modems, terminals or network computers that can connect to a telecommuni-cations network.
You agree to use Schwab Hong Kong’s Electronic Services and any additional services offered by Schwab Hong Kong in the future only in accordance with this ESA. Schwab Hong Kong may amend or terminate this ESA upon notice from Schwab Hong Kong. Nothing in this ESA should be construed as a solicitation or recommendation to buy or sell any security.
You also agree to abide by any rules, proce-dures, standards, requirements or conditions established by Schwab Hong Kong regarding use of its Electronic Services or electronic communications facilities that Schwab Hong Kong makes available.
In the event you use the electronic services provided by the affiliates or Clearing Broker of Schwab Hong Kong, you agree to be bound by the relative terms and size conditions gov-erning laws specified by these affiliates or the Clearing Broker.
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•. 我方會就閣下第一次流動基金之交易而向閣下送達一份確認書。而之後所有之流動基金交易.(包括購買、贖回、股息及股息再投資) 將於閣下定期收到之香港嘉信理財美元帳戶帳戶結單中列出。
•. 流動基金之投資乃受基金章程所載之限制所.規限。如欲得到有關流動基金更多之完整資料.(包括費用及支出)，可聯絡香港嘉信理財索取章程，並請細閱該章程。流動基金之投資概不獲.美國政府投保或擔保。流動基金並無任何保証可維持資產淨值穩定於每股 $1.00 美元。
•. 倘我方未能根據本協議購買基金股份,.我方之債務僅限於閣下就所買入之股份所賺取之實際股息數額。
•. 閣下授權我方為閣下之代理人，為閣下之帳戶.購買及贖回流動基金股份。此等授權於閣下給予我方撤銷此授權之通知前仍然有效。該等.通知不會影響因我方於收到通知前開始進行.之交易而導致之責任。
•. 當轉撥貨幣基金不再能夠保持.$1.00 美元的.股份資產淨值時，則您授權並指示嘉信，無需.進一步通知您，在商業上可行的情況下，盡快.贖回您所有的轉撥貨幣基金股份。若發生這.情形，您的閑置貸方結餘將不再附設利息。欲查詢詳情，請聯絡您的嘉信代表。
電子服務協議
使用電子服務由閣下與香港嘉信理財所訂立之本電子服務協議.(“ESA”)列明閣下使用香港嘉信理財電子服務之條款及條件。「電子服務」指任何及所有香港嘉信理財之電腦或電話.(包括無線或傳真) 服務或系統，包括但不限於透過香港嘉信理財之互聯網網站、香港.
嘉信理財向外接達之電腦及網絡、VoiceBroker™、.TeleBroker®、PocketBroker™ 或其後續系統，及由香港嘉信理財提供予閣下之任何其他電腦或電話證券交易服務或資料系統.(不論由香港嘉信理財直接成立或透過其他服務供應商或聯屬機構或香港嘉信理財的結算經紀成立) 而取得之服務及資料。
提供電子服務時，香港嘉信理財令閣下可使用.互動之電腦服務及／或自動電話.(包括無線) 服務，.傳真或系統，為閣下香港嘉信理財美元帳戶內.發出購買及
出售某些證券、證券期權及互惠基金之買賣指示，並以兼容個人電腦、家庭或小型商業電腦.(包括能接達電訊網路之互聯網工具如數據機、終端機或網路電腦)，透過電腦或電話取得.報價或其他資料。
閣下同意僅按照本.ESA 使用香港嘉信理財之電子.服務及任何由香港嘉信理財於未來提供之額外服務。香港嘉信理財可於發出通知後修訂或終止本ESA。本.ESA 內無任何陳述可詮釋為游說或建議購買或出售任何證券。
閣下亦同意遵守由香港嘉信理財就使用其提供.之電子服務或電子通訊措施而訂立之任何規則、.程序、標準、規則或條件。
當您使用由香港嘉信理財聯屬機構或結算經紀提供的電子服務時，您同意受有關聯屬機構或結算經紀的細則及條款及其指定監管法例所約束。
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Risks of Electronic TradingAccess to the Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrades or mainte-nance or for other reasons. If the Electronic Services are unavailable or delayed at any time, you agree to use alternative means to place your orders such as calling a Schwab Hong Kong representative or visiting our office. Schwab Hong Kong will not be liable to you if you are unable to access your account information or request a transaction through the Electronic Services. (See Limitations of Liability, below.)
When you use the Electronic Services to place a trade, you acknowledge that your order may not be reviewed by a registered representative before being routed to an exchange for execution and you also will not have the opportunity to ask questions or otherwise interact with a Schwab Hong Kong representative. By placing a trade through the Electronic Services, you voluntarily agree to assume any added risk that may result from the lack of human review of your order in exchange for the reduced commissions and potentially greater convenience of electronic trading.
You acknowledge that it may not be possible to cancel an order once you have placed it, and you agree to exercise caution before placing all orders. Any attempt you make to cancel an order is simply a “request to cancel.” Schwab Hong Kong or its Clearing Broker may process your requests to change or cancel an order on a best-efforts basis only and will not be liable to you if Schwab Hong Kong or its Clearing Broker is unable to change or cancel your order.
Urgent NotificationAn “Urgent Notification” may be posted on our website to alert you to various Electronic Services and market conditions issues. You agree that you will read any Urgent Notification before placing orders through the Electronic Services and will be deemed to have knowledge of any such Urgent Notification that is posted when you place an order.
Fast and Volatile Market ConditionsDuring periods of heavy trading and/or wide price fluctuations (“Fast Markets”), there may be delays in executing your order or providing trade status reports to you. If Schwab Hong Kong
believes any particular stock is or may be vola-tile, Schwab Hong Kong may, but is not obligated to, decline to allow customers to place orders for that stock through the Electronic Services. In addition, Schwab Hong Kong reserves the right, but is not obligated, to prevent any IPO stock from being traded through the Electronic Services. In either of these situations, you or your advisor, if you have one, may be required to contact a Schwab Hong Kong representative to assist you with transactions in these stocks. Schwab Hong Kong is not liable to you for any losses, lost opportunities or increased commis-sions that may result from your being unable to place orders for these stocks through the Electronic Services.
Financial Market Information: Limited WarrantyFinancial market data, quotes, news, research or information accessible through Schwab Hong Kong (the “Information”) has been indepen-dently obtained by financial markets information services, financial publishers, and various securities markets, such as stock exchanges, their affiliates and others (collectively, “Information Providers”), or by Schwab Hong Kong and its affiliates.
The accuracy, completeness, timeliness or correct sequencing of the Information is not guaranteed by Schwab Hong Kong, the Information Providers or any parties transmitting the Information (“Information Transmitters”). There may be delays, omissions or inaccuracies in the Information. You agree that neither Schwab Hong Kong, the Information Providers nor the Information Transmitters shall have any liability, contingent or otherwise, for the accu-racy, completeness, timeliness or correct sequencing of the Information, or for any deci-sion made or action taken by you in reliance upon the Information or the Electronic Services, or for interruption of any data, Information or aspect of the Electronic Services.
There is no warranty of merchantability, no warranty of fitness for a particular use and no warranty of non-infringement. There is no other warranty of any kind, express or implied, regard-ing the Information or any aspect of the service (including but not limited to Information access and order execution).
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電子交易的風險
在交易高峰、市場波動、系統進行升級或維修的期間，或基於其他原因，電子服務的使用可能受到限制或停頓。無論何時，若電子服務停頓或延誤，閣下同意以其他方法作出指令，例如聯絡香港嘉信理財的代表，或到訪我方的辦事處。香港嘉信理財不會就閣下未能通過電子服務取得閣下帳戶資料或交易而負責.(見下文法律責任之限制)。
當閣下使用電子服務進行交易時，閣下確認閣下的指令被引導往交易所執行之前，未必會獲得事前.的查核，閣下亦不會有機會提出問題，或是與香港嘉信理財的代表溝通。閣下通過電子服務進行交易，即表示閣下自願承擔因無人在事前查核閣下的指令所導致的任何額外風險，以換取從電子交易.潛在的更大方便或支付較低的佣金。
閣下承認當閣下發出買賣指示後未必可取消買賣指示的，而閣下同意在發出所有買賣指示前已經過深思熟慮。閣下任何試圖取消買賣指示的行動只當為「取消請求」而已。香港嘉信理財或結算經紀只可盡力處理閣下的要求更改或取消買賣指示，同時亦毋須為不能替閣下更改或取消買賣指示而負責。
緊急通知 (“Urgent Notification”)我方網站可能會出示一項「緊急通知」(“Urgent Notification”) 以提醒閣下留意各項電子服務及市場情況等有關事項。閣下同意閣下透過電子服務發出買賣指示之前將先閱覽任何緊急通知。而且閣下將被視為已知悉在閣下發出任何買賣指示時已出示的任何此等緊急通知。
速動市場及反覆之市況於買賣繁忙及／或價格波幅大之期間(「速動市場」)
，可能會延遲執行閣下之買賣指示或向閣下提供買賣狀況報告。倘香港嘉信理財相信任何某類證券會或可能會出現反覆，香港嘉信理財可.(但並無責任) 拒絕允許客戶透過電子服務發出買賣指示。並且，香港嘉信理財保留.(但並無責任) 阻止任何初次公開發售證券透過電子服務買賣之權利。於上述其中一種情況下，閣下或閣下的顧問.(如有) 可能需要聯絡香港嘉信理財之代表，以助閣下於此等證券之交易。香港嘉信理財概不就閣下因不能透過電子服務發出該等股份之買賣指示而導致之任何損失、機會錯失或佣金增加而負上法律責任。
金融市場資料 : 有限保証透過香港嘉信理財所獲得之金融市場數據、報價、行情、研究或資料.(「資料」)，均由金融市場服務、金融出版商及多個證券市場如證券交易所、其聯屬公司及其他公司.(統稱為「資料提供者」)，或香港.嘉信理財及其聯屬公司獨立地得到。
香港嘉信理財、資料提供者或任何一方.(「資料傳送者」) 概不保証上述資料之準確性、完整性、時間性或次序之正確性。資料可能延遲傳送、出現遺漏或不確之處。閣下同意香港嘉信理財、資料提供者或資料傳送者均毋須就資料之準確性、完整性、時間性或次序之正確性，或閣下依賴上述資料或電子服務所作出之任何決定或行動，或任何數據、資料或電子服務方面之干擾負上任何法律責任。
我方概不擔保資料之可售性、是否適合某特定用途及有侵犯權，亦不就任何類型.(明示或暗示) 之資料或任何方面之服務.(包括但不限於接達資料及執行買賣指示) 而作出保証。
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Limitations of LiabilityIn no event will Schwab Hong Kong, the Information Providers or the Information Transmitters be liable to you or anyone else for any consequential, incidental, special or indi-rect damages (including but not limited to lost profits, trading losses and damages) that result from inconvenience, delay or loss of the use of the Electronic Services, even if Schwab Hong Kong, the Information Providers or the Infor-mation Transmitters have been advised of the possibility of such damages or losses. You agree that the liability of Schwab Hong Kong, the Information Providers and the Information Transmitters arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with the Electronic Services or the Information will not exceed the amount you originally paid for the Electronic Services.
Neither Schwab Hong Kong, the Information Providers nor the Information Transmitters shall be liable for any loss resulting from a cause over which such entity does not have direct control, including but not limited to failure of electronic or mechanical equipment or commu-nication lines; telephone or other interconnect problems; bugs, errors, configuration problems or incompatibility of computer hardware or software; failure or unavailability of Internet access; problems with Internet service provid-ers or other equipment or services relating to your computer; problems with intermediate computer or communications networks or facili-ties; problems with data transmission facilities or your telephone or telephone service; or unauthorized access, theft, operator errors, severe weather, earthquakes or labor disputes. Schwab Hong Kong is not responsible for any damage to your computer, software, modem, telephone or other property resulting from your use of the Electronic Services.
Proprietary InformationThe Information is the property of Schwab Hong Kong, the Information Providers or others and is protected by copyright. You agree not to reproduce, retransmit, disseminate, sell, distribute, publish, broadcast, circulate or commercially exploit the Information in any
manner without the express written consent of Schwab Hong Kong and the relevant Information Provider(s); you also agree not to use the Information for any unlawful purpose. You agree to comply with reasonable written requests by Schwab Hong Kong to protect the Information Providers’ and Schwab Hong Kong’s respective rights in the Information and the Electronic Services.
Use of QuotesYou agree to use the quotes only for your indi-vidual use in your business. You will not furnish the quotes to any person or entity other than an officer, partner or employee of your business.
If you are a securities professional, such as an investment advisor, you may occasionally fur-nish limited amounts of quotes to your custom-ers and clients, but solely in the regular course of your securities business. If you furnish quotes to your customers and clients who are not on your premises, you may do so solely (i) in written advertisements, educational mate-rial, sales literature or similar written communi-cations or (ii) during telephonic voice communication not entailing the use of comput-erized voice synthesizing or similar technology. You shall not permit any customer or client to take physical possession of “your equipment” (i.e., the equipment that you use to receive, display or otherwise use quotes). You shall abide by any additional limitations on use of quotes that Schwab Hong Kong may specify in the future.
No Legal or Tax AdviceYou acknowledge that neither the Electronic Services nor any of the Information is intended as tax or legal advice.
Although the Electronic Services provide access to numerous recommendations about how to invest and what to buy, no third-party recom-mendations are developed or endorsed by Schwab Hong Kong, and any information in materials prepared by Schwab Hong Kong is not to be construed as a recommendation or advice designed to meet the particular objectives or situation of any investor.
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法律責任之限制香港嘉信理財、資料提供者或資料傳送者在任何情況下均不會對閣下或任何人就使用電子服務的不便、延誤或損失的、特別或間接損失.(包括但不限於盈利損失、買賣虧損及損失) 承擔責任，縱使香港嘉信理財、資料提供者或資料傳送者已被知會該等損失或虧損的可能性。閣下同意香港嘉信理財、資料提供者及資料傳送者在任何類別與電子服務或資料引致的任何有關法律上的索賠.(不論是合約、侵權或其他方面) 將不會超過閣下原先已支付的電子服務的數額。
香港嘉信理財、資料提供者或資料傳送者將不會承擔就未能直接控制該等企業之原因而導致之虧損，包括但不限於電子或機械設備或通訊線路失靈.; 電話或其他互聯問題.; 電腦上故障、錯誤、配置問題或電腦硬件或軟件的不能兼容性.; 未能或不能接達互聯網.; 互聯網服務供應商或與閣下電腦有關的其他設備或服務的問題.; 與中介電腦或通訊網絡或設施的問題.; 數據傳送設施或閣下的電話或電話服務的問題.; 或未授權接達、盜竊、接線員的錯誤、惡劣天氣、地震或勞工糾紛的問題而承擔法律責任。香港嘉信理財不會就閣下使用電子服務而導致閣下的電腦、軟件、數據機、電話或其他財產的任何損毀之責任。
資料所有權資料為香港嘉信理財、資料提供者或其他人士的財產並受版權所保障。在未得到香港嘉信理財及有關資料供應者的明確書面同意前，閣下同意不會複
製、再傳送、散佈、出售、分派、出版、傳播、行銷或在商業上以任何方式使用該等資料.; 閣下亦同意不會將資料用於任何不合法的用途上。閣下同意遵守香港嘉信理財的合理書面要求以保障資料提供者及香港嘉信理財的資料及電子服務上的各自權利。
報價的使用閣下同意報價只可用作閣下業務上的私人用途。.除閣下業務的高級職員、合夥人或僱員外，閣下.不得將報價告知任何人士或企業。
倘閣下為證券專業人士，如投資顧問等，閣下可間中將有限度數額的報價告知閣下的客戶及顧客，但只能純為閣下證券業務一般所用。倘閣下將報價告知不是同處一室的客戶及顧客時，閣下只能經.(i)書面廣告、教材資料、售買單張或類似書面通訊或(ii) 不涉及使用電腦聲音合成或類似科技的電話聲音傳訊。閣下不應容許任何客戶或顧客實體地使用「閣下的設備」(即閣下用作接收、顯示或以其他方式使用報價的設備)。閣下將遵守香港嘉信理財將來可在使用報價時所定的額外限制。
無法律或稅務意見閣下承認電子服務或任何資料均不是作為稅務或法律意見。
雖然電子服務可接達很多如何作出投資及購買的推薦建議，然而香港嘉信理財並無發展或認可第三方的建議，而任何由香港嘉信理財所編製的資料不可當為符合任何投資者特定目的或情況的推薦建議或意見。
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Research ReportsIf you are a securities broker, dealer or an investment banker, you represent that, by requesting or having received any research report prepared by third-party investment bankers, Schwab Hong Kong or its affiliates (“Research Reports”), you will not use any such Research Report for any purpose related to those businesses.
Access, Passwords and SecurityYou will be responsible for the confidentiality and use of your access number(s), password(s) and account number(s). You will be responsible for all orders entered through and under your access number(s), password(s) and account number(s), and any orders so received by Schwab Hong Kong will be deemed to have been received from you. All orders shall be deemed to be made at the time received by Schwab Hong Kong and in the form received. You agree immediately to notify Schwab Hong Kong if you become aware of:
a. Any loss or theft of your access number(s), password(s) and/or account number(s); or
b. Any unauthorized use of any of your access number(s), password(s) and/or account number(s), or of the Electronic Services or any Information; or
c. Any failure by you to receive a message that an order initiated by you through the Electronic Services has been received and/or executed through the Electronic Services; or
d. Any failure by you to receive accurate written confirmation of an order or its execution within five (5) business days after entering the order through the Electronic Services; or
e. Any receipt of confirmation of an order that you did not place, or any similarly inaccurate or conflicting report or Information.
If you inform Schwab Hong Kong or Schwab Hong Kong has reason to believe that the security of your account may be or has been compromised, we have the right to terminate your use of Electronic Services.
Data TransmissionYou acknowledge that data, including email, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and Schwab Hong Kong, Information Providers or Information Transmitters, using the Internet, other network communications facilities, tele-phone or any other electronic means. You agree to use software produced by third parties, includ-ing, but not limited to, “browser” software that supports a data security protocol compatible with the protocol used by Schwab Hong Kong. Until notified otherwise by Schwab Hong Kong, you agree to use software that supports the Secure Socket Layer (SSL) protocol or other protocols accepted by Schwab Hong Kong and follow Schwab Hong Kong’s log-on procedures for Electronic Services that support such protocols. You acknowledge that Schwab Hong Kong is not responsible for notifying you of any upgrades, fixes or enhancements to any such software or for any compromise of data transmitted across computer networks or telecommunications facili-ties, including, but not limited to, the Internet.
Subscription, Service, Use FeesYou agree to pay all subscription, service and use fees, if any, that you are charged by Schwab Hong Kong for the Electronic Services and agree that such fees may be changed without notice. You agree to pay all costs (including attorneys’ fees), if any, incurred by Schwab Hong Kong in collecting overdue fees from you. You also agree to pay all federal, state and local taxes applicable to your use or receipt of the Electronic Services. You hereby grant Schwab Hong Kong a continuing security interest in the assets in any Schwab Hong Kong U.S. Dollar Account(s) on which you are listed as an account holder, to secure the timely payment of all fees owed by you for the Electronic Services and any other amounts owing under this ESA.
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研究報告倘閣下為證券經紀，證券商或投資銀行家，當閣下要求或收到任何由第三方投資銀行家、香港嘉信理財或其聯屬公司所編寫的研究報告(「研究報告」)後，閣下聲明不會將有關該等業務的研究報告以任何目的用於該等業務上。
接達、密碼及安全性閣下須負責閣下接達號碼、密碼及帳戶編號的使用及保密。閣下須負責所有透過及經閣下接達號碼、密碼及帳戶編號所發出的買賣指示，而所有由香港嘉信理財所收到的買賣指示將視作為從閣下所收到。所有買賣指示均被視為由香港嘉信理財於收到時而發出及以所收到的方式收存。當閣下得悉有以下事宜發生時，閣下同意立即通知香港嘉信理財.:
a.. 任何閣下的接達號碼、密碼及／或帳戶編號已.遺失或被竊.; 或
b.. 任何閣下之接達號碼、密碼及／或帳戶編號，.或電子服務或任何資料被盜用.; 或
c.. 閣下未收到任何由閣下透過電子服務作出的買賣指示已收到或透過電子服務已執行的信息.; 或
d.. 閣下凡透過電子服務發出買賣指示而於五.(5) 個營業日內未能收到買賣指示或其執行之準確.書面確認書.; 或
e.. 閣下收到從未發出買賣指示的任何確認書，.或任何類似失實或有衝突的報告或資料。
若閣下通知香港嘉信理財或香港嘉信理財有理由相信閣下帳戶的保安可能或已經遭受損害，我方有權終止閣下使用電子服務。
資料傳送閣下確認閣下與香港嘉信理財、資料提供者或資料傳送者之間，藉互聯網、其他網絡通訊設備、.電話或任何其他電子方式通訊的過程中往來傳送的資料，包括電子郵件、電子通訊及個人財務.資料，可能被未獲授權的第三方取得。閣下同意使用由第三方生產的軟件，包括但不限於該等可支援與香港嘉信理財所使用的資料安全協定相容的協定的“瀏覽器”軟件。在香港嘉信理財另行通知閣下前，閣下同意使用支援.Secure Socket Layer (SSL) 協定或香港嘉信理財所採用的其他協定的軟件，並依從香港嘉信理財可支援該等協定的電子
服務的登入程序。閣下確認香港嘉信理財並無責任就任何該等軟件的升級、維修或改善，或資料在電腦網絡或通訊設備.(包括但不限於互聯網) 的傳輸過程中有所洩露，通知閣下。
參加費、服務費、使用費閣下同意支付由香港嘉信理財向閣下收取有關電子服務的所有參加費、服務費及使用費.(如有)，並同意該等費用可隨時改動而毋須作出通知。閣下同意支付由香港嘉信理財在向閣下收取逾期費用而涉及的所有費用.(包括律師費)。閣下亦同意支付適用於因閣下使用或接收電子服務的所有美國聯邦、各洲及地方機關稅項。閣下於此授予香港嘉信理財在任何以閣下登記為帳戶持有人的香港嘉信理財美元帳戶內資產之持續抵押權益，以確保根據本ESA，因閣下尚欠電子服務及任何其他數額的按時費用付款。
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Account Restrictions If there is a restriction on your account(s) at Schwab Hong Kong, your use of the Electronic Services’ trading functions will be so restricted with respect to such account(s). Further, Schwab Hong Kong reserves the right in its sole discretion to require a cash or equity deposit at any time and to determine the ade-quacy of any such deposit prior to the execu-tion of any transaction through the Electronic Services. Schwab Hong Kong will not be responsible for any delay or failure to provide the Electronic Services, including the execution of any securities order, in the event there is a restriction on your account, you lack sufficient funds in your account or you delay or fail to make a required cash or equity deposit.
IndemnificationYou agree to defend, indemnify and hold Schwab Hong Kong, the Information Providers and the Information Transmitters harmless from and against any and all claims, losses, liability costs and expenses (including but not limited to attorneys’ fees) arising from your violation of this ESA, applicable securities laws or regula-tions, or any third party’s rights, including but not limited to infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. This obligation will survive the termination of this ESA.
Our Ability to Suspend or Terminate Electronic ServicesSchwab Hong Kong and/or the Clearing Broker reserves the right to suspend or terminate your access to its Electronic Services or any portion of them (including, without limitation, the Information [including Research Reports]) in its sole discretion, without notice and without limitation, for any reason whatsoever. Schwab Hong Kong and/or the Clearing Broker may suspend or terminate your access to its Electronic Services for reasons including, but not limited to, the unauthorized use of your account access information, breach of this Agreement, discontinuance of Schwab Hong Kong’s and/or the Clearing Broker’s access to any Information or any other data from any Information Provider or Research Provider or termination of one or more agreements between Schwab Hong Kong and/or the Clearing Broker
and Information Providers, Third-Party Research Providers or Information Transmitters. Schwab Hong Kong, the Clearing Broker, the Information Providers, the Third-Party Research Providers and the Information Transmitters shall have no liability to you for suspending or terminating your access to Schwab Hong Kong’s and/or the Clearing Broker’s Electronic Services, provided, however, that if Schwab Hong Kong’s and/or the Clearing Broker’s suspension or termination is without cause, Schwab Hong Kong and/or the Clearing Broker will refund the pro rata portion of any fee you may have paid for the portion of the Information and/or Electronic Services not furnished to you as of the date of suspension or termination.
Electronic CommunicationsThe Electronic Services you access by com-puter provide you with the capability to send electronic communications, such as email, directly to Schwab Hong Kong and interact within applicable areas of the Electronic Services. You agree to the following terms with respect to your use of electronic communica-tions through the Electronic Services:
a. You will not transmit securities trade orders to Schwab Hong Kong using electronic com-munications except through those electronic features designated by Schwab Hong Kong for the express purpose of placing trade orders. You acknowledge that Schwab Hong Kong will not act upon trade orders transmitted through electronic communications other than orders you transmit through designated trade order features;
b. Schwab Hong Kong shall be entitled, but is not obligated, to review or retain your elec-tronic communications for, among other reasons, monitoring the quality of service you receive, your compliance with this ESA and the security of the Electronic Services. Schwab Hong Kong is entitled to disclose your electronic communications to the same extent it may disclose other information about you or your account(s) as provided elsewhere in your account agreement(s). In no event will Schwab Hong Kong be liable for any costs, damages, expenses or any other liabilities incurred by you as a result of such activities by Schwab Hong Kong;
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帳戶限制閣下在香港嘉信理財的帳戶如有限制，則閣下在有關帳戶使用電子服務方面亦有相同限制。此外，在透過電子服務執行任何交易前，香港嘉信理財保留其絕對酌情權可於任何時間要求存入現金或股本並決定存入按金是否足夠。倘閣下的帳戶是有限制、閣下的帳戶沒有充足資金或閣下被要求作出存入現金或股本方面有遲延或未能做到，則香港嘉信理財對提供電子服務方面.(包括執行任何證券買賣指示) 的任何遲延或不執行，毋須負上責任。
彌償倘閣下違反本.ESA、適用證券法律或法規或任何第三方權利包括，但不限於侵犯任何版權、違反所有權權利及侵犯任何私隱權，閣下同意會保障、賠償及確保香港嘉信理財、資訊提供者及資料傳送者不需負責任何及所有申索、損失、法律責任費用及支出.(包括但不限於律師費)。本責任在本.ESA 終止後仍將有效。
我方暫停或終止電子服務的能力嘉信理財香港及／或結算經紀可毋須作出通知、並無限制及可基於任何理由，保留終止您存取電子服務或其任何部份的絕對酌情權（包含但不限於本資料.[包含研究報告]）。嘉信理財香港及／或結算經紀可能暫停或終止您存取電子服務的理由包含但不限於未授權而使用您的帳戶存取資料、違反本協議、嘉信理財香港及／或結算經紀停止繼續存取任何來自資料提供者的資料或終止由嘉信理財香港及／或結算經紀及資料提供者、第三方研究提供者或資料傳送者之間的協議或多份協議。若嘉信理財香港、結算經紀、資料提供者、第三方研究
提供者及資料傳送者暫停或終止您存取.嘉信理財香港及／或結算經紀的電子服務，對您並無法律責任；然而，若嘉信理財香港及／或結算經紀商無故暫停或終止服務，則嘉信理財香港及／或結算經紀商將按比例退回因暫停或終止日期起而未能向您提供而您可能已支付的資料及／或電子服務的任何費用。
電子通訊閣下透過電腦取得的電子服務，讓閣下能直接向香港嘉信理財發出電子通訊，例如電子郵件，並在電子服務的適用範圍內進行互動式溝通。
閣下同意遵守下列關於閣下通過電子服務使用電子通訊的條款.:
a.. 除該等香港嘉信理財指定用作交易用途的電子設施外，閣下不得使用其他電子通訊向香港嘉.信理財傳送證券交易指令。閣下確認，除閣下通過指定的交易指令設施傳送的指令外，香港嘉信理財不會處理閣下通過其他電子通訊傳送的交易指令.;
b.. 香港嘉信理財將有權.(但無責任) 審閱或保留閣下的電子通訊.(任何包括以下原因) 以監察閣下所獲得的服務質素、閣下是否遵守.ESA 及電子服務的保安事宜。香港嘉信理財有權透露閣下的電子通訊，一如帳戶協議書內所指明可透露閣下或閣下帳戶的其他資料。在任何情況下，香港嘉信理財將不會因香港嘉信理財作出該舉動而導致閣下招致之任何費用、損失、支出或任何其他法律責任負責。
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c. You will not use any electronic communication feature of the Electronic Services for any purpose that is unlawful, abusive, harassing, libelous, defamatory, obscene or threatening. You will not use the Electronic Services to solicit Schwab Hong Kong customers or others or participate in the solicitation of Schwab Hong Kong customers or others for any purpose;
d. You will not upload, post, reproduce or distrib-ute any information, software or other mate-rial protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights;
e. You will not in any way express or imply that the opinions in your electronic communica-tions are endorsed by Schwab Hong Kong without the prior written consent of Schwab Hong Kong;
f. If you use the Electronic Services that you access by computer, you agree to provide Schwab Hong Kong with your email address, promptly provide Schwab Hong Kong with any changes to your email address and accept electronic communications from Schwab Hong Kong at the email address you specify; and
g. You agree to be bound by any consent you give through the Electronic Services for Schwab Hong Kong to provide notices, statements, trade confirmations and other communications to you solely through electronic transmission.
GeneralYou acknowledge that, in providing you with the Electronic Services, Schwab Hong Kong has relied upon your agreement to be bound by the terms of this ESA and any user or license agreement(s) related to or accompanying Electronic Services–related software.
You further acknowledge that you have read, understood and agreed to be bound by the terms of (i) the user license agreement of any Electronic Services–related software, and (ii) the terms of Schwab Hong Kong’s brokerage account agreement(s) and any other agreement
with Schwab Hong Kong that applies to your account(s), all as currently in effect and amended from time to time.
ModificationsThis ESA may be modified by Schwab Hong Kong upon written notice to you provided, however, that if Schwab Hong Kong sends you written notice, via electronic communication or otherwise, of a modification, you confirm your acceptance of the modification by not closing and/or by continuing to use your account.
Investment AdviceYou agree and acknowledge that:
• You, or you and an investment advisor other than Schwab Hong Kong if you have one, are responsible for determining the nature, poten-tial value and suitability for you of any particu-lar investment strategy, transaction (including futures transactions) or security (including equities and options). Schwab Hong Kong has no responsibility for any such determination (1) unless we otherwise agree with you in writing, (2) unless required by applicable law, or (3) Schwab Hong Kong or a Schwab Hong Kong representative gives advice directly to you that is clearly identified as a Schwab Hong Kong recommendation for you to enter into a particular transaction or transactions or to buy or sell a particular security or securities;
• You agree that any such Schwab Hong Kong recommendation will remain in effect only for as long as we tell you that it will remain in effect at the time we make the recommendation;
• Unless we otherwise agree with you in writing, Schwab Hong Kong does not have any discre-tionary authority or obligation to review or make recommendations for the investment of securities or cash in your account;
• You, or you and your investment advisor if you have one, will rely on multiple sources of information in making investment decisions for your account, and any information Schwab Hong Kong may provide will not serve as the sole basis for any investment decision you make or made on your behalf;
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c.. 閣下不會將電子服務中的任何電子通訊設施，作任何非法、濫用、騷擾、誹謗、破壞他人名譽、色情或威嚇的用途。閣下亦不會基於任何目的，使用電子服務招徠香港嘉信理財的客戶或其他.人士，或參與招徠香港嘉信理財的客戶或其他人士的活動.;
d.. 未經有關權益的所有人同意前，閣下不會上載、公告、複製或分發任何受版權或任何知識產權.(以及宣傳或私隱方面的權利) 保障的資料、軟件或其他材料.;
e.. 未經香港嘉信理財書面同意前，閣下不會以任何方式聲稱或暗示閣下在電子通訊表達的意見獲香港嘉信理財所認可.;
f.. 假如閣下通過電腦使用電子服務，閣下同意向香港嘉信理財提供閣下的電子郵件地址.; 如電郵地址有任何改變，則立即通知香港嘉信理財.;及接納香港嘉信理財透過閣下指明的電郵地址交予閣下的電子通訊.; 及
g .. 若閣下通過電子服務允許香港嘉信理財只以電子傳送方式向閣下提供通知、結單、交易確認書及其他通訊，閣下同意遵守此一允諾。
一般事項閣下承認在向閣下提供電子服務時，香港嘉信理財已依賴閣下同意受本.ESA 及與或隨附電子服務有關軟件的任何用家或許可協議的條件所約束。
閣下進一步承認已閱讀、明白及同意受(i)任何電子服務有關軟件的用家許可協議.; 及.(ii) 香港嘉信理財的經紀帳戶協議及在香港嘉信理財適用於閣下帳戶的任何其他協議.(所有現時有效而不時所作修訂)
的條款所約束。
修訂在向閣下作出書面通知後，香港嘉信理財可修訂本.ESA。然而，倘香港嘉信理財經電子通訊或其他方式向閣下寄出修訂書面通知，則閣下不結束及／或繼續使用閣下的帳戶便會視作閣下確認接受有關修訂。
投資顧問您同意及確認.:
•. 您或您及香港嘉信理財以外的投資顧問.(如有)，須對任何特定投資策略、交易.(包括期貨交易) 或.買賣證券.(包括股票及期權) 的性質、潛在價值及對您的合適性承擔責任。香港嘉信理財對上述決定並無責任，除非.
(1) 我方以書面形式同意，.(2) 法律要求，或.(3) 香港嘉信理財或香港嘉信理財的代表直接向您提供並清楚確認為香港嘉信理財的建議，助您進行特定交易或買賣特定的.證券。
•. 您同意任何該等香港嘉信理財的建議只於我方在作出推介時所述的有效時間，才能維持有效。
•. 除非我方以書面形式同意，否則香港嘉信理財並無任何委託權或責任，為您帳戶內的證券或資金作出檢討或建議。
•. 您或您及投資顧問(如有)，將依賴多項資料來源來為您的帳戶作出投資決定，香港嘉信理財所提供的任何資料並非您自己或其他人代您作出任何投資決定時的唯一依據。
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• You, or you and an investment advisor other than Schwab Hong Kong if you have one, have an affirmative duty to monitor profits and losses in your account and to modify your trading decisions accordingly;
• Schwab Hong Kong may make available, to you and your Account, enrollment in certain Schwab Hong Kong offerings which will be composed of specified investment advisory services for which you pay a quarterly asset-based fee, which will generally be charged based on the amount of certain assets in your Account. The offerings will be delivered in a non-discretionary account, and other fees and charges may also apply, as set forth in a separate agreement you will enter into that will become part of this Account Agreement. Schwab Hong Kong will be relying on you to provide accurate, timely information about yourself and, if applicable, your holdings at other financial institutions. Schwab Hong Kong has no obligation to, and will not, inde-pendently verify any information that you provide to Schwab Hong Kong. Schwab Hong Kong is not responsible for any loss or claim arising from your failure to provide Schwab Hong Kong with accurate, timely information. You are under no obligation to adopt any of the asset allocation, diversification, or other strategies in such services, and are under no obligation to execute any buy or sell recom-mendations through Schwab Hong Kong;
• While Schwab Hong Kong may make available its own proprietary research, or other informa-tion, this does not constitute an individualized recommendation that a security or transac-tion is appropriate for you or your account. Additionally, while Schwab Hong Kong makes available research, analysis, news and other information prepared by third parties, this also does not constitute an individualized recommendation by Schwab Hong Kong (or any third party) or a solicitation of any offer to buy or sell securities by Schwab (or any third party). Schwab Hong Kong does not create or prepare any of this third-party information, and it gives no assurances as to its accuracy,
quality or timeliness and does not warrant any results from use of any such information;
• Any research, analysis, news or other infor-mation made available through electronic channels (e.g., via the web or email alerts) does not constitute an individualized recommendation to you to buy or sell any particular securities;
• Schwab Hong Kong does not give legal advice; and
• Schwab Hong Kong does not give tax or estate planning advice. We may and if we provide you with general tax and estate plan-ning information and principles, you agree that these principles do not apply to your specific circumstances or take into account your comprehensive tax or estate planning situation. For that type of assistance, you agree to consult your own tax or legal advisor.
You agree not to hold Schwab Hong Kong liable for any trading losses, lost profits or other damages resulting from your use of any information Schwab Hong Kong may provide, whether it is prepared by Schwab Hong Kong or a third party.
THIRD-PARTY BENEFICIARIESYou and Schwab acknowledge and agree that each Information Provider, Information Transmitter and Third-Party Research Provider is an intended third-party beneficiary of this ESA to the extent that the Electronic Services include Information or Research Reports (“Third-Party Beneficiaries”). Each Third-Party Beneficiary is entitled to rely upon all rights, representations, warranties and covenants made by you in this ESA to the same extent as if each Third-Party Beneficiary was a party to this ESA with respect to their own Information or Research Reports. For the avoidance of doubt, all rights and benefits granted under this Agreement to Schwab will also be deemed granted directly to each Third-Party Beneficiary as set forth above. Otherwise, no third party will be deemed to be an intended or unintended third-party beneficiary of this Agreement.
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•. 您或您及香港嘉信理財以外的投資顧問(如有)，有肯定的責任監察您帳戶中的盈虧情況及因應情況調整買賣決定。
•. 香港嘉信理財或會為您及您的帳戶登記於香港嘉信理財提供的服務，此等服務包括一般按您.帳戶於資產值作季度收費的特定投資建議服.務。此等服務將透過非委託帳戶提供，並可能按您將簽訂的額外協議書而收取其他收費及費用。有關協議書將成為本帳戶協議之一部份。香港嘉信理財依賴您提供準確無誤、最新的個人資料及有關您在其他金融機構所持有的資產資料(如適用)。香港嘉信理財並無責任及將不會另外確認任何您向香港嘉信理財提供的資料。若您未能提供準確無誤及最新的個人資料，.因而導致任何損失或賠償，香港嘉信理財概不負責。您並無責任採納此服務中任何資產分配、分散風險或其他策略的投資建議.; 亦無責任透過香港嘉信理財行使任何買賣建議.;
•. 香港嘉信理財或會提供其專有研究或其他資料，但並不構成適合您或您帳戶的證券或交易個人化建議。此外，當香港嘉信理財提供由第三方撰寫的研究、分析、新聞及其他資料時，將不構成香港嘉信理財.(或任何第三方) 提供的個人化推介，或嘉信理財.(或任何第三方) 提供的任何證券買賣建議。香港嘉信理財並不會設定或撰寫任何第三方提供的資料，且不會保證該等資料的準確性、質素或時間性，以及不會對使用任何該等資料所引致的後果作出保證.;•.
任何透過電子渠道.(例如經由網站或電郵提示)提供的研究、分析、新聞及其他資料，並不向您構成對特定證券買賣的個人化建議.;
•. 香港嘉信理財不會提供法律建議.; 及
•. 香港嘉信理財不會提供稅務或遺產規劃建議。如我方提供一般稅務及遺產規劃資料及原則時，您同意此等原則並不應用於您的指定情況或您的稅務及遺產規劃綜合狀況。如您需要該類服務，您同意徵詢您的稅務及法律顧問。
如您因使用香港嘉信理財提供，或香港嘉信理財或第三方撰寫的資料，而導致任何交易上的損失、利潤虧蝕或其他虧損，您同意不向香港嘉信理財追究任何責任。
第三方受益人
您及嘉信理財知悉並同意，在電子服務包括資訊及研究報告的情形下，每個資訊供應商、資訊傳送商及第三方研究供應商均為此ESA的預定第三方受益人.(「第三方受益人」)。每個第三方受益人有權依賴您在這.ESA 制定的所有權利、聲明、保證及協議，如同每個第三方受益人就其資訊和研究報告均為此.ESA 的當事人一樣。為免存疑，本協議書授予嘉信理財的所有權利和利益亦將直接授予上述的每個第三方受益人。否則，沒有第三方會被視為本協議書的預定或非預定第三方受益人。
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AUSTRALIA DISCLOSUREImportant Information About Australia. The information Schwab Hong Kong or its Clearing Broker (“Schwab”) makes available to you in connection with your account(s) and the ser-vices Schwab provides to you, and in state-ments, confirmations, and reports, is not intended for dissemination, access, or use within Australia. If you are located in Australia and are accessing this information, you repre-sent that you are, or are accessing the informa-tion as a representative of, a wholesale client (within the meaning of section 761G of the Australia Corporations Act 2001). You also represent that neither you nor any person or entity you represent will directly or indirectly disseminate the information Schwab makes available to any person in Australia.
SCHEDULE 1 — RISK DISCLOSURE STATEMENTSRisk of Securities TradingThe prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
Risk of Short SalesYou agree to designate a sell order as a short sale if, at the time you place the order, you either do not own the security being sold or are unable to deliver the security in a timely man-ner. You agree that short sale transactions are subject to certain regulatory rules and cannot be executed under certain market conditions. In addition, depending on market conditions, the Clearing Broker cannot guarantee that it will have shares available to facilitate a short sale. When you make a short sale, it is necessary to borrow securities in order to deliver the shares to the buyer. The Clearing Broker may charge you a fee, which may change daily, for borrow-ing securities. Before you submit a short sale order, you will be notified of the current cost of borrowing those shares. By submitting the order you will have agreed to pay all charges for borrowing the shares for as long as you hold the short position.
You agree that the Clearing Broker may, at its discretion and without notice, “buy in” securi-ties to cover any short security position in your account. The Clearing Broker may take this action either on a regular settlement, cash or next-day settlement basis.
If you are unable to cover a short security position (either through delivery of the security or through our “buying-in” the security) in enough time so the Clearing Broker can deliver the security to its lender (to whom the Clearing Broker is so obligated), you agree to reimburse the Clearing Broker for the losses it sustains as a result of your failure to deliver the security.
Risks of Client Assets Received or Held Outside Hong KongClient assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap. 571) and the rules made there-under. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
ACKNOWLEDGMENT OF OBLIGATIONS AND RISKS OF INVESTING IN GLOBAL SECURITIES TRADED ON FOREIGN EXCHANGESTax Reporting and Other Potential Tax-Related ConsequencesInvesting in foreign (non-U.S.) securities, includ-ing those traded on U.S. domestic exchanges, may result in tax liability or tax reporting obliga-tions to U.S. and/or foreign taxing authorities. You alone are responsible for the taxes result-ing from your trades, including any tax liability arising as a result of foreign legal obligations. Schwab Hong Kong and its Clearing Broker’s ability to aid you in achieving the most favor-able tax treatment will vary by jurisdiction. Schwab Hong Kong and its Clearing Broker do not provide tax advice. Please consult with a tax advisor prior to investing in foreign (non-U.S.) securities in your Schwab brokerage account(s).
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澳洲披露聲明
關於澳洲的重要信息。香港嘉信理財或其結算經紀.(「嘉信」) 所提供關於您的帳戶和嘉信提供給您的服務之信息，以及在月報表、確認單、和報告提供的信息，無意在澳洲內傳播、取用或使用。如果您位於澳洲並取用此信息，您表示您是一名批發客戶.(符合.2001 年澳洲公司法第.761G 節的定義)，或以批發客戶代表之身分取用該信息。您也表示無論您，或您代表的任何人士或實體，將不會直接或間接地傳播嘉信提供的信息給在澳洲的任何人。
附件1 — 風險披露聲明證券交易的風險證券的價格有時會非常波動，證券的價格可升.可跌，甚至會變成毫無價值。買賣證券未必一定.能夠賺取利潤，反而可能會招致損失。
沽空的風險閣下同意在發出沽售閣下並不擁有或者無法及時交付的證券時，閣下會指明該沽售指示為一項沽空交易。閣下同意沽空交易須遵守某些監管規則，.而且在某些市場情況下可能無法執行。結算經紀不能保證其將會備有證券進行沽空交易。閣下進行.沽空時，須借入證券以交付股份予買家。結算經紀或向閣下就借入證券收取費用，而費用可能每日調整。閣下遞交沽空指示前，將獲通知借入此等股份之當時成本。閣下一經遞交指示，即代表閣下同意支付於持有空倉期間所有借入股份之費用。
閣下同意結算經紀毋須經通知，可按其酌情權決定是否「補倉」為閣下帳戶中沽空的證券進行.平倉。結算經紀可按照正常交收、以現金交收或翌日交收的做法而採取此項行動。
若閣下無法及時把沽空的證券平倉.(通過交付證券或者「補倉」)，使結算經紀有足夠時間將證券交付予其出借人(結算經紀對出借人員有義務)，閣下同意向結算經紀償付因閣下未能交付證券而導致結算經紀招致的損失。
香港以外地方收取或持有的客戶資產風險持牌人或註冊人在香港以外地方收取或持有的客戶資產，是受到有關海外司法管轄區的適用法律.及規例所監管的。這些法律及規例與「證券及期貨條例」(第571章) 及根據該條例制訂的規則可能有所不同。因此，有關客戶資產將可能不會享有賦予在香港收取或持有的客戶資產的相同保障。
確認投資於在外國交易所買賣的環球證券的 責任及風險
報稅及其他潛在稅務相關後果投資於外國.(非美國) 證券，包括於美國國內交易所買賣之證券，可能會導致向美國及／或外國稅務機構納稅或報稅之責任。閣下本人須對因閣下的交易構成的稅項負責，包括任何因外國法律責任而導致之稅務責任。香港嘉信理財及其結算經紀協助閣下獲得優惠稅項待遇之能力將隨不同司法管轄區而異。香港嘉信理財及其結算經紀不提供稅務建議。在嘉信理財證券帳戶投資外國.(非美國) 證券前，請徵詢稅務顧問的意見。
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Potential Trading and Ownership Restrictions Applicable to Global SecuritiesForeign stock exchanges and regulatory authori-ties require that you report, and in some cases seek pre-approval for, acquiring ownership in foreign listed securities above certain thresh-olds or in certain industries. Investments in foreign securities may be subject to trading restrictions and fees not usually encountered in the United States. Governments, foreign stock exchanges, markets and/or individual securities may impose specific restrictions that prohibit or limit trading by individuals or entities. It is solely your responsibility to ensure that you will, at all times, comply with all applicable laws, obligations and restrictions in each of the jurisdictions in which you purchase and sell securities.
YOUR BROKERAGE ACCOUNT AT CHARLES SCHWAB, HONG KONG, LTD. AND THE CLEARING & ORDER SERVICES PROVIDED BY CHARLES SCHWAB & CO., INC.Thank you for opening a securities account with Charles Schwab, Hong Kong, Ltd. (“Schwab Hong Kong”). Schwab Hong Kong has con-tracted with Charles Schwab & Co., Inc., a U.S. broker-dealer (“Schwab U.S.”), to perform cer-tain services in connection with your Schwab Hong Kong U.S. Dollar Account (“Account”), such as execution, clearance and settlement of trades as noted below. Schwab Hong Kong and Schwab U.S. are affiliated companies. Schwab Hong Kong is not a branch office or subsidiary of Schwab U.S. but is an entity separate and distinct from Schwab U.S. This is to inform you about the allocation of responsibilities between Schwab Hong Kong and Schwab U.S. as pro-vided in their clearing agreement so that you can better understand how your Account will be serviced. We suggest that you read the respec-tive responsibilities stated below carefully.
Opening, Approving and Monitoring Your AccountSchwab Hong Kong will be responsible for opening, approving and monitoring your Account at Schwab Hong Kong, including obtaining and verifying your new Account infor-mation. Schwab U.S. will at all times have the right, exercisable at its own discretion, to refuse to introduce your Account at Schwab U.S., to refuse to accept any order for your Account, or to decide to close your Account at Schwab U.S. In addition, Schwab U.S. will approve your Account for trading in U.S.-listed securities options and index options and will monitor your options trading.
Extension of Credit to Purchase SecuritiesIf you are interested in margin lending (a loan to purchase securities that is secured or collateral-ized by securities in your Account), Schwab U.S. has agreed to extend credit to the clients of Schwab Hong Kong at its discretion and subject to an agreement between you and Schwab U.S. (refer to the Correspondent Margin, Short and Option Account Agreement for details). Schwab Hong Kong will be able to inform you about the status of your margin account and Schwab U.S. will contact you about any margin or mainte-nance call on your Account.
If you sell securities short and the value of the securities rises, you may receive a margin call requiring you to deposit additional assets and Schwab U.S. may sell other assets in your Account to satisfy your margin obligation, with-out prior notice and at a loss or at lower prices than under other circumstances.
Certain securities and other assets now or hereafter held in your Margin and Short Account may be pledged, repledged, or otherwise used. In such event, the Clearing Broker may receive compensation for the use of such securities. The value of the Securities and Other Property Schwab U.S. pledges or repledges may be greater than the amount you owe the Clearing Broker. Securities that are fully paid for or are deemed “excess margin securities” under applicable securities laws may not be pledged, repledged, or used unless you have signed a separate written agreement that gives the Clearing Broker the right to do so.
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適用於環球證券之潛在交易及擁有權限制外國股票交易所及監管機構要求閣下就獲取超越特定限額或特定行業之外國上市證券的擁有權提交報告.(某些情況則要求預先批准)。投資於外國證券或受通常不會在美國面對的交易限制及費用。政府、外國股票交易所、市場及／或個別證券或實施特定限制，禁止或限制個人或實體進行交易。閣下本人有全部責任確保任何時刻均遵守閣下買賣證券的每個司法權區的所有適用法例、責任及限制。
您於嘉信理財香港有限公司開立的經紀戶口及嘉信理財公司提供的結算及買賣盤服務多謝閣下於嘉信理財香港有限公司.(「香港嘉信理財」) 開立證券戶口。香港嘉信理財與美國經紀行.嘉信理財公司.(「美國嘉信理財」) 訂有合約，為您.的香港嘉信理財美元帳戶.(「帳戶」) 提供部份服務，如以下所述交易之執行、結算及交收。香港嘉信理財及美國嘉信理財為聯屬公司。香港嘉信理財並非美國嘉信理財之分行或附屬公司，而是獨立於.美國嘉信理財的不同實體。現謹通知閣下香港嘉信理財及美國嘉信理財於結算協議列明之責任分配，讓您更了解您的帳戶如何獲得服務。我們建議閣下仔細閱讀以下責任說明。
開立、批核及監察閣下之帳戶香港嘉信理財將負責開立、批核及監察您的香港嘉信理財帳戶，包括取得及核實您的新帳戶資料。美國嘉信理財將有權隨時自行決定拒絕向美國嘉信理財引進您的帳戶、拒絕接納您帳戶的任何買賣指示或決定終止您於美國嘉信理財的帳戶。此外，美國嘉信理財將負責批核您帳戶內進行的美國上市證券期權及指數期權之買賣，並將監察您的期權交易。
增加信貸以買入證券如欲申請保證金貸款.(以您帳戶內之證券擔保或抵押、用以購買證券的貸款)，美國嘉信理財同意按您與美國嘉信理財的協議.(詳情請參閱有關之保證金、沽空及期權帳戶協議) 增加香港嘉信理財客戶的信貸額。香港嘉信理財能通知您有關保證金帳戶的情況，而美國嘉信理財將就您帳戶的任何保證金或維持保證金通知與您聯絡。
如閣下沽空證券而證券價值上升，閣下或會收到保證金補繳通知，要求閣下存入額外資產，而美國嘉信理財或會在不作通知以及即使涉及虧損或以相比其他情況較低的價錢，賣出閣下帳戶內其他資產以補足閣下的保證金。
於閣下保證金及沽空帳戶之部分現時或此後持有的證券及其他資產或被抵押、再抵押或作其他用途。在此情況下，結算經紀或就此等證券之使用收取報酬。美國嘉信理財抵押或再抵押的證券及其他財產的價值或高於閣下欠負結算經紀的金額。已全數支付或據適用證券法例為「超額保證金的證券」不可抵押、再抵押或作其他用途，除非閣下已另簽署協議書准許結算經紀作以上行動。
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If you write uncovered put or call option con-tracts, your Account is subject to both initial margin and margin maintenance requirements. For more detailed information on how Schwab U.S. calculates these equity requirements, call your Schwab representative at +852-2101-0500. In addition, if you write an uncovered call option contract and are allocated an exercise of the option, you may be required to borrow shares in order to satisfy the delivery requirement of the option contract. In that event, you will be treated as if you had sold the shares short and may be subject to margin fees and stock loan fees.
The current Margin Interest Rate is available by calling us at +852-2101-0500.
For accounts with the margin feature, Schwab reserves the right, but has no obligation, to negotiate with you or an advisor who manages a Schwab account for you, a different margin rate.
Your Account Records, Statements and ConfirmsSchwab U.S. will prepare and maintain the books and records regarding your Account and produce statements regarding your Account for each month in which you have made a transac-tion (quarterly when your Account is inactive) and will provide confirmations of each transac-tion in your Account. These statements and confirmations will be delivered to you by either Schwab Hong Kong or Schwab U.S.
Receipt and Delivery of Funds and SecuritiesSchwab U.S. is responsible for transferring and delivering funds and securities to or from your Account, processing dividends and the handling of exchange or tenders offers, rights, warrants and redemption in accordance with the last instructions received either from you or through Schwab Hong Kong.
Safeguarding of Funds and SecuritiesSchwab U.S will take responsibility for safe-guarding checks and securities once such checks and securities have come into its physi-cal possession and control. The Securities Investor Protection Corporation (SIPC) provides up to US$500,000 of protection for securities in accounts you hold in a separate account capacity (for instance, as custodian, joint ten-ant, or sole owner) with a limit of US$250,000 for claims of uninvested cash balances. Account protection is not provided by SIPC for the accounts of banks or broker/dealers main-tained for their own account.
Acceptance of Orders and Execution of TransactionsSchwab Hong Kong will accept orders and arrange execution of your transactions, which includes procedures for transmitting and screening orders prior to execution, and Schwab U.S. will execute and clear your trans-actions. (However, Schwab Hong Kong and Schwab U.S. may decline to accept or execute any order for your account.) In order to better serve you, Schwab Hong Kong has contracted with Schwab U.S. to provide supplemental account servicing and order-taking capacity. Schwab U.S. will provide the web trading capacity for Schwab Hong Kong clients to place orders and access their accounts online. During peak periods, Schwab U.S. has agreed to answer rollover lines and to receive calls and take orders after normal business hours. Any orders directly given to Schwab U.S. may be subject to the final approval of Schwab Hong Kong.
Schwab U.S. may use service bureaus and other agents in performing these services allocated to it under the clearing agreement.
Any interpretation of the language in this document is governed by the English version.
Charles Schwab, Hong Kong, Ltd. is registered with the Securities and Futures Commission (“SFC”) to carry out the regulated activities in dealing in securities and advising on securities under registration CE number ADV256.
©2018 Charles Schwab, Hong Kong, Ltd. All rights reserved.
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如閣下出售無備兌認沽或認購期權合約，閣下的帳戶須符合開倉保證金及保證金維持要求。有關美國嘉信理財如何計算此等股票要求之詳情，請致電+852-2101-0500 與嘉信理財代表聯絡。此外，如閣下出售無備兌認購期權合約，並獲分配期權的行使，閣下或須借入股份以滿足期權合約的交付要求。在此情況下，閣下將被視為已將股份沽空，並可能須支付保證金費用及股票貸款費用。
如欲查詢現行保證金貸款利率，請致電+852-2101-0500聯絡我們。
對於擁有保證金功能之帳戶，嘉信保留行使權利但並無任何義務，與閣下或代為管理嘉信理財帳戶之顧問另行協商保證金貸款利率。
閣下的帳戶紀錄、結單及確認書美國嘉信理財將準備及保管有關閣下帳戶的帳冊及紀錄，並於每個閣下曾進行交易的月份準備閣下帳戶的月結單(若您的帳戶不活躍，將為季度結單)，亦將提供閣下帳戶每次交易的確認書。此等結單及確認書將由香港嘉信理財或美國嘉信理財寄奉。
資金和證券之收取及交付美國嘉信理財負責閣下帳戶之資金／證券轉移及交付，並按從閣下或香港嘉信理財收到之最後指示處理股息、交換或收購建議、認購權、認股權證及贖回事宜。
資金及證券保障美國嘉信理財將於收到支票及證券後，負責提供.保障。證券投資者保障公司.(SIPC) 對您於每一個以個別身分設立之帳戶.(例如以監管人、聯權共有人.或唯一擁有人) 中持有的證券提供高達$500,000 美元的保障，而未投資現金餘額的索償限則為$250,000 美元。該帳戶保障並不適用於銀行帳戶或由經紀經銷商所管理之帳戶。
買賣指示之接納及交易執行香港嘉信理財將接納買賣指示並安排執行您的交易，包括執行前的傳送及審核程序，而美國嘉信理財將執行並結算您的交易。(但香港嘉信理財及美國嘉信理財或會拒絕接納或執行閣下帳戶的任何買賣指示)。為提供更佳服務，香港嘉信理財已與美國嘉信理財簽訂合約，提供補充性的帳戶服務及買賣指示處理服務。美國嘉信理財將為香港嘉信理財客戶提供網上交易功能，讓客戶透過互聯網發出買賣指示及使用帳戶。美國嘉信理財同意於正常營業時間外及於繁忙時間，接聽轉線至美國嘉信理財的電話並處理指示。任何直接給美國嘉信理財之指示或須獲香港嘉信理財最終批核。
美國嘉信理財可能使用服務事務處或其他代理，以提供按結算協議分配至美國嘉信理財之此等服務。
本文件的詮釋以英文版為準。
嘉信理財香港有限公司於香港證券及期貨事務監察委員會(「證監會」)註冊進行證券交易並就證券提供意見的受規管活動，其中央編號為.ADV256。
©2018 嘉信理財香港有限公司，版權所有，不得翻印。
©2018 Charles Schwab, Hong Kong, Ltd. All rights reserved. ©2018..嘉信理財香港有限公司，版權所有，不得翻印。..CC2091863 (1018-81KC) REG12955-14 (08/18)00214234