The Notification for the Revisions of HSBC General Agreement and Premier General Agreement - HSBC

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Date: 6 Jan 2012 The Notification for the Revisions of HSBC General Agreement and Premier General Agreement

HSBC will revise the certain part of HSBC General Agreement. This change will be effective from 24 Jan 2012. The original one is still applicable before the effective date.
According to HSBC General Agreement and Clause, the Bank may, via a written notice, posted at visible area of the Bank’s branches or announced on the Bank’s Internet main page, amend the terms and conditions as below. If the Customer disagrees with such amendments, he/she/it may notify the bank in written form within the 14-day notification period to terminate the previous terms and conditions as well as transactions and services with the Bank. The Customer needs to be cooperative with the Bank in account closing procedure. If the Customer fails to notify of termination within the 14-day notification period and continues to conduct transactions with or using services of the Bank, the Customer shall be deemed to agree with the amendments.
Due to the revised clauses numbers and contents are the same for HSBC General Agreement and Premier General Agreement, only the revised contents are shown as below comparison table.
This amendment is announced via the disclosure of HSBC website, should you have any query, please do not hesitate to contact us via our branch networks or our 24-hour Call Center at (02)8072-3000.

Below please find the comparison table for your notification.

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Original Terms and Conditions	Revised Terms and Conditions
I. General Terms and Conditions	I. General Terms and Conditions
(III) Special Clients: Accounts opened or services provided under General Agreement for corporate account holders, minors, citizens of the People's Republic of China and foreign nationals shall be governed by laws and the Bank’s rules.	(III) Special Clients: Accounts opened or services provided under General Agreement for corporate account holders, minors, citizens of the People's Republic of China, Hong Kong and Macao residents and foreign nationals shall be governed by laws and the Bank’s rules.
(VII) The Use or processing of Customer’s Information and Outsourcing Processing: 1.The Customer agrees that the Bank, other banks and financial institutions, Joint Credit Information Center, related credit agencies, government agencies, the Bank's affiliates and third party contracted or engaged by the Bank may gather, conduct computer processing (including engaging a third party to process), utilize of conduct international transmission of the Customer's individual data in accordance with laws and regulations for the purpose of processing transaction between the Customer and the Bank, and conducting any other related matters permitted by law. The Customer authorizes the Bank to determine whether the above proposes will exist based upon Bank's professional judgement. The Customer specially and irrevocably agrees that the Bank may upon its discretion, for any purpose (including but not limit for prevention of fraud, audit, providing service by third party, collection of debts or requirements by authorities or regulations) provide the Customer's data to following parties: (a) The party intends to purchase assets and liabilities from the Bank or to conduct a merger with the Bank; (b) The party engaged by the Bank for processing matters; (c) Parent company, the Hongkong and Shanghai Banking Corporation Limited, and all subsidiaries and affiliated entities under HSBC Holdings Plc and HSBC Holdings Plc itself (collectively, the “Members of HSBC Group”); (d) R.O.C., United Kingdoms, Hong Kong and other financial in-charge authority, judicial or other governmental institutions having jurisdiction over the Bank and the Members of HSBC Group. The above parties may gather, conduct computer processing (including engaging a third party to process), utilize or conduct international transmission of the Customer's individual data in accordance with laws and regulations. Other than the requirement of in-charge authorities and/or laws and regulations or other justified causes, the Bank shall keep the Customer's data in confidentiality 2.The Customer agrees that the Bank may gather, conduct computer processing (including engaging a third parties to process) of the Customers' individual and transaction data between the Customer and the Members of HSBC Group in accordance with laws and regulations, for the purpose of processing transaction between the Customer and the Bank or the Members of HSBC Group, providing integrated financial services (such as calculating monthly minimum balance, but not for the purpose of promoting business/services/products) , or conducting any other related matters permitted by law.	(VII) The Use or processing of Customer’s Information and Outsourcing Processing: 1.The Customer agrees that the Bank, other banks and financial institutions, Joint Credit Information Center, Financial Information Service Company Limited, related credit agencies, government agencies, other institutions participating in inter-bank service with the license issued by financial governing authority (e.g. Financial Supervisory Commission, Bureau of Agricultural Finance), the Bank's affiliates and third party contracted or engaged by the Bank may gather, conduct processing (including engaging a third party to process), utilize of conduct international transmission of the Customer's individual data in accordance with laws and regulations for the purpose of processing transaction between the Customer and the Bank, and conducting any other related matters permitted by law. The Customer authorizes the Bank to determine whether the above proposes will exist based upon Bank's professional judgement. The Customer specially agrees that the Bank may upon its discretion, for any purpose (including but not limit for prevention of fraud, audit, providing service by third party, collection of debts or requirements by authorities or regulations) provide the Customer's data to following parties: (a) The party intends to purchase assets and liabilities from the Bank or to conduct a merger with the Bank; (b) The party engaged by the Bank for processing matters; (c) Parent company, the Hongkong and Shanghai Banking Corporation Limited, and all subsidiaries and affiliated entities under HSBC Holdings Plc and HSBC Holdings Plc itself (collectively, the “Members of HSBC Group”); (d) R.O.C., United Kingdoms, Hong Kong and other financial in-charge authority, judicial or other governmental institutions having jurisdiction over the Bank and the Members of HSBC Group. The above parties may gather, conduct processing (including engaging a third party to process), utilize or conduct international transmission of the Customer's individual data in accordance with laws and regulations. Other than the requirement of in-charge authorities and/or laws and regulations or other justified causes, the Bank shall keep the Customer's data in confidentiality. 2.The Customer agrees that the Bank may gather, conduct processing (including engaging a third parties to process), utilize or conduct international transmission of the Customers' individual and transaction data between the Customer and the Members of HSBC Group in accordance with laws and regulations, for the purpose of processing transaction between the Customer and the Bank or the Members of HSBC Group, providing integrated financial services (such as calculating monthly minimum balance, but not for the purpose of promoting business/services/products) , or conducting any other related matters permitted by law.
(XVIII) Governing Law and Jurisdiction: Regardless of the nationality of the Customer or the law of incorporating a corporate customer, any deposit and withdrawal transactions or other deals with the Bank in respect of the Customer’s accounts with the Bank shall be governed by the laws of R.O.C. or the general banking practices and customs in R.O.C. with respect to the conclusion of the juristic acts and the formality and the legal effect thereof. Any litigation arising from or in connection with General Agreement shall be submitted to the jurisdiction of the place where the branch administering the Customer’s accounts is located or the Taipei District Court in the first instance.	(XVIII) Governing Law and Jurisdiction: Regardless of the nationality of the Customer or the law of incorporating a corporate customer, any deposit and withdrawal transactions or other deals with the Bank in respect of the Customer’s accounts with the Bank shall be governed by the laws of R.O.C. or the general banking practices and customs in R.O.C. with respect to the conclusion of the juristic acts and the formality and the legal effect thereof. Any litigation arising from or in connection with General Agreement shall be submitted to the jurisdiction of the place where the branch administering the Customer’s accounts is located or the Taipei District Court in the first instance.However, the application of Article 47 of the Consumer Protection Law or the small-claim proceedings as referred to in Article 436-9 of the Code of Civil Procedure shall not be exempted thereby.
(Addition)	(XIX) Dispute Handling Channel and Other Disclosure of Matters: Regarding the financial products or services provided by the Bank, please refer to HSBC website for the handling channel and process of customer dispute and complaint on the financial products or services provided by the Bank, regular or irregular reports in accordance with laws and regulations, and other disclosure of information.
(Addition)	(XX). Governing Version An English version of General Agreement is made to facilitate reference by foreign language users. In case of any discrepancy between the Chinese and English version of this agreement, the Chinese version shall govern.
II. Terms and Conditions for Deposits	II. Terms and Conditions for Deposits
(I) Deposits 1. The Bank shall have absolute discretion in determining whether to accept the negotiable instruments to be deposited. Until the fund of such instruments is collected by the Bank, neither interest nor withdrawal of the fund will be accrued or made. Negotiable instruments drawn on other banks are accepted for collection only. The Bank shall not be responsible for any dishonor resulted from any causes in connection with the collection not attributable to the Bank. 2. The bills deposited into the Bank's BCDM after banking hours or on a non-banking business day will not be credited to the Customer's account until next banking business day. 3. The deposits for foreign currency deposit accounts may be made in cash, negotiable instruments, traveler’s check acceptable to the Bank in foreign currency or any other payment method agreed by the Bank. The Customer shall pay a transaction fee prescribed by the Bank.	(I) Deposits: 1. Deposit Insurance: HSBC is insured by Central Deposit Insurance Corporation in Taiwan. The customer’s eligible deposits with HSBC within the insured amount will be subject to the protected of the deposit insurance mechanism. 2. The Bank shall have absolute discretion in determining whether to accept the negotiable instruments to be deposited. Until the fund of such instruments is collected by the Bank, neither interest nor withdrawal of the fund will be accrued or made.Negotiable instruments drawn on other banks are accepted for collection only. The Bank shall not be responsible for any dishonor resulted from any causes in connection with the collection not attributable to the Bank. 3. The bills deposited into the Bank's BCDM after banking hours or on a non-banking business day will not be credited to the Customer's account until next banking business day. 4. The deposits for foreign currency deposit accounts may be made in cash, negotiable instruments, traveler’s check acceptable to the Bank in foreign currency or any other payment method agreed by the Bank. The Customer shall pay a transaction fee prescribed by the Bank.
(XI) Time Deposits after Maturity 2. A foreign currency time deposit shall be automatically terminated upon maturity. The deposit and the interest accrued thereon will automatically be credited to the demand deposit in the foreign currency deposit account in the same currency, and the interest shall be calculated based on the Bank’s then interest rate and method for demand deposit in the same currency. 3. A Taiwan Dollar time deposit will be retained in the time deposit account after maturity and the interest accrued therefrom shall be calculated based upon the board interest rate and the method for demand deposits in Taiwan Dollar. If the Customer requests for a renewal within one month after the original maturity date, the Bank may issue a time deposit from the original maturity date and apply the interest rate applicable on the original maturity date.	(XI) Time Deposits after Maturity 2. A foreign currency time deposit will be retained in the deposit account after maturity and the interest accrued therefrom shall be calculated based on the Bank’s then interest rate and method for demand deposit in the same currency. 3. A Taiwan Dollar time deposit will be retained in the account after maturity and the interest accrued therefrom shall be calculated based upon the board interest rate and the method for demand deposits in Taiwan Dollar. If the Customer requests for a renewal within one month after the original maturity date, the Bank may issue a time deposit from the original maturity date and apply the interest rate applicable on the original maturity date.
IV. Short Messaging Service The Customer may, in person, through internet banking system or by fax, apply for activating, changing, suspending or terminating the short messaging services, which shall come into effect within three (3) days after the application is approved.	IV. Short Messaging Service The Customer may, in person, through internet banking system or by mail, apply for activating, changing, suspending or terminating the short messaging services, which shall come into effect within three (3) days after the application is approved.
V. ATM card and Visa Debit Card Services V-1. Terms and conditions for ATM Card	V. ATM card and Visa Debit Card Services V-1. Terms and conditions for ATM Card
(III) Change of the PIN: The Customer acknowledges that valid PIN must be used in conjunction with the Card to perform operation. If necessary, the Customer may present the original PIN and setup a new PIN at any ATM of the Bank. The chance of changing the PIN is unlimited.	(III) Change of the PIN: The Customer acknowledges that valid PIN must be used in conjunction with the Card to perform operation. If necessary, the Customer may present the original PIN and setup a new PIN at any ATM or other equipments of the Bank. The chance of changing the PIN is unlimited.
(VIII). Erroneous Transfer by the Customer and the Bank's Assistance: The Customer should check carefully the recipient's bank code, bank account number, and transfer amount when conducting fund transfer with the Card. Where due to the Customer's erroneous application or entry of any of the aforesaid such that the transaction was completed with unintended recipient or amount,the Customer may inform the Bank, and the Bank shall provide the following assistance in accordance with the law: 1. Provide details of the said transaction; 2. Notify the recipient bank for assistance.	(VIII). Erroneous Transfer by the Customer and the Bank's Assistance: The Customer should check carefully the recipient's financial institution code, account number, and transfer amount when conducting fund transfer with the Card. Where due to the Customer's erroneous application or entry of any of the aforesaid such that the transaction was completed with unintended recipient or amount, once the Customer informed the Bank, the Bank should provide the following assistance: 1. Provide details and relevant information of the said transaction in accordance with the relevant laws and regulations. 2. Assist to notify the recipient bank. 3. Report the handling status.
(X). Validity of the Card: If the Card is not used at any ATM for one year (including but not limited to inquires, transactions and changing PIN), the Card will become invalid, and the Customer must reapply for a new ATM Card.	(X). Validity of the Card: If the Card is not used at any ATM for two years (including but not limited to inquires, transactions and changing PIN), the Card will become invalid, and the Customer must reapply for a new ATM Card.
(XI). Effect of Transaction at the Bank or Inter-banks: The Customer acknowledges that all transactions conducted through the Card and the PIN at any ATM of the Bank or of other financial institutions participating in the inter-bank auto-transaction systems shall have the same effect as if the transactions were conducted by way of the Customer's specimen seal.	(XI). Effect of Transaction at the Bank or Inter-banks: The Customer acknowledges that all transactions conducted through the Card and the PIN at any ATM or other equipments of the Bank or of other financial institutions participating in the inter-bank auto-transaction systems shall have the same effect as if the transactions were conducted by way of the Customer's specimen seal.
(XIII). Termination of the Card Service: The Customer may terminate the Card service at any time, provided that it is applied in person or formal written application. The Customer shall return the Card to the Bank upon its termination unless the Card is lost. The Bank may at any time terminate the Card services provided to the Customer, upon the occurrence of any of the following events: 1. The Card has been forged, altered, used for money laundering or fraud or other illegal purposes; 2. The Customer's account has been suspended or listed as an alerted account in accordance with the law or regulations; 3. The Customer has breached the law, damaged the Bank's interest or carried out other illegal activities. If the Customer’s account is converted to a different type of account, he/she shall promptly return the previous ATM Card to the Bank for cancellation.	(XIII). Termination of the Card Service: The Customer may terminate the Card service at any time, provided that it is applied in person or formal written application. The Customer shall return the Card to the Bank upon its termination unless the Card is lost and should complete the lost reporting procedure.The Bank may at any time terminate the Card services provided to the Customer, upon the occurrence of any of the following events: 1. The Card has been forged, altered, used for money laundering or fraud or other illegal purposes; 2. The Customer's account has been suspended or listed as an alerted or evolved account in accordance with the law or regulations; 3. The Customer has breached the law, damaged the Bank's interest or carried out other illegal activities. If the Customer’s account is converted to a different type of account, he/she shall promptly return the previous ATM Card to the Bank for cancellation.
(XIV). Handling of Erroneous PIN, Card Retention or Locked Up: Where the Customer erroneously enters the PIN three consecutive times while using the Card, forgets to retrieve the Card, uses the Card which has been reported lost, or for other reasons that cause the Card to be locked or retained by the ATM, the Customer should visit the Bank in person with his/her identity card and original specimen seal to conduct the following: 1. In the case of the Card being locked, an application may be made at any of the Bank's branches; 2. In the case of retention of the card, an application should be made to the Bank for retrieval of the said card or issuance of replacement card within 14 business days from the date following its retention. The Bank shall cancel the Card if no application is made within the said period.	(XIV). Handling of Erroneous PIN, Card Retention or Locked Up: Where the Customer erroneously enters the PIN three consecutive times while using the Card, forgets to retrieve the Card, uses the Card which has been reported lost, or for other reasons that cause the Card to be locked or retained by the ATM, unless otherwise agreed between the Customer and the Bank, the Customer should visit the Bank in person with his/her identity card and original specimen seal to conduct the following: 1. In the case of the Card being locked, an application may be made at any of the Bank's branches; 2. In the case of retention of the card, an application should be made to the Bank for retrieval of the said card or issuance of replacement card within 14 business days from the date following its retention. The Bank shall cancel the Card if no application is made within the said period.
(XV). Collection, Adjustment and Announcement for the Bank Charges: The Bank shall impose charges with respect to the Customer's use of the Card for various services: 1. Transaction fees: (1) Domestic cash withdrawal at other banks’ ATMs: TWD6 per transaction; (2) Domestic inter-bank fund transfer: TWD17 per transaction. (3) Overseas cash withdrawal: TWD300 per transaction. 2. Service charges: (1) No charges for unlocking the Card; (2) Replacement/re-issuance of new card: TWD100 per card. Both parties agree that the aforesaid charges shall be automatically deducted from the Customer's account of the Bank. Where there are any adjustments to the charges with respect to paragraph 1 herein, the Bank may publish the said adjustments at visible area of the Bank’s branches or announce on the Bank’s Internet main page. The service charges will not apply if the Customer with the return of the old card is not to blame for the occurrences of unlocking, replacement or issuance of new cards. However, where the aforesaid is caused by reasons attributable to the Bank, the Bank shall be liable to compensate the Customer with respect to any damages incurred. The burden of proof of the cause of imputation referred to in the preceding paragraph will rest with the Bank.	(XV). Collection, Adjustment and Announcement for the Bank Charges: The Bank shall impose charges with respect to the Customer's use of the Card for various services: 1. Transaction fees: (1) Domestic cash withdrawal at other banks’ ATMs: TWD6 per transaction; (2) Domestic inter-bank fund transfer: TWD17 per transaction. (3) Overseas cash withdrawal: TWD300 per transaction. 2. Service charges: (1) No charges for unlocking the Card; (2) Replacement/re-issuance of new card: TWD100 per card. Both parties agree that the aforesaid charges shall be automatically deducted from the Customer's account of the Bank. The Bank may publish the charges with respect to paragraph 1 herein at visible area of the Bank’s branches or announce on the Bank’s Internet main page. The service charges will not apply if the Customer is not to blame for the occurrences of unlocking, replacement or issuance of new cards. The Bank shall be liable to compensate the Customer with respect to any damages incurred unless the Bank could bring up the proof of the cause of imputation referred to in above situation is not attributable to the Bank.
(XVI). Loss, Destruction, Theft or Other Dispossession of the Card: The Customer shall properly keep the Card. In the event of loss, destruction, theft or other dispossession of the Card, the Customer shall immediately inform such loss to the Bank via agreed manners. Where the Card has been used by others and payment has been made by the Bank before the Customer informs such loss to the Bank, the transaction will be treated as conducted by the Customer. However, where the Bank or other financial institutions to which the ATM belongs have failed to exercise due care and diligence with respect to their supervision of the information system, resulting the Customer's PIN was being used or stolen by others, the Bank shall be liable.	(XVI). Loss, Destruction, Theft or Other Dispossession of the Card: The Customer shall properly keep the Card. In the event of loss, destruction, theft or other dispossession of the Card, the Customer shall immediately inform such loss to the Bank via agreed manners. The aforesaid agreed manners are subject to the safety and convenience of the Customer own consideration. Where the Card has been used by others and payment has been made by the Bank before the Customer informs such loss to the Bank, the transaction will be treated as conducted by the Customer. However, where the Bank or other financial institutions to which the ATM belongs have failed to exercise due care and diligence with respect to their supervision of the information system, resulting the Customer's PIN was being used or stolen by others, the Bank shall be liable.
(XIX). Foreign Currency ATM Card: 2. Number of Effective Cards and Validity of foreign currency ATM Card: The Customer shall at any time maintain at least one effective foreign currency ATM card during the effective period of the foreign currency ATM card designated account. The foreign currency ATM card will become invalid if it is not used for one year, and the Customer must reapply for a new foreign currency ATM Card.	(XIX). Foreign Currency ATM Card: 2. Number of Effective Cards and Validity of foreign currency ATM Card: The Customer shall at any time maintain at least one effective foreign currency ATM card during the effective period of the foreign currency ATM card designated account. The foreign currency ATM card will become invalid if it is not used for two years, and the Customer must reapply for a new foreign currency ATM Card.
(XXI). The Bank's Complaint Channels: 1. 24-hour Call Centre: (02)8072-3000 2. Complaint hotline: (02)8072-3995 3. All branches in Taiwan	(XXI). The Bank's Complaint Channels: 1. 24-hour Call Centre: (02)8072-3000 2. Complaint hotline: 0800-050-018 3. Email address: customervoicetwm@hsbc.com.tw 4. All branches in Taiwan
(XXII). Other Agreements: The application, possession and use of the Card shall be first governed by the terms and conditions herein below. Matters not provided herein shall be governed by other prescriptions of General Agreement.	(XXII). Other Agreements: 1. Regarding the ATM Card Services, the Bank shall be liable for negligent acts or willful misconducts. 2. The application, possession and use of the Card shall be first governed by the terms and conditions herein below. Matters not provided herein shall be governed by other prescriptions of General Agreement.
V. ATM card and Visa Debit Card Services V-2. Terms and conditions for Visa Debit Card	V. ATM card and Visa Debit Card Services V-2. Terms and conditions for Visa Debit Card
(IV). Collection, Use, Computer Processing and International Transmission of Personal Data 1. The Cardholder agrees for the Cardholder’s personal information and the transactional information with the Bank to be disclosed to the Members of HSBC Group, any financial institution which has any dealing or cooperation with the Bank, the Joint Credit Information Center and the National Credit Card Center of the R.O.C. in accordance with the rules or approvals of the governing authority due to the transaction amount payment activity, computer processing activity or other ancillary activity related to the Visa Chip Debit Card (such as recording, processing and output of information system, development, monitoring and maintenance of information system, marketing, cardholder information key-in, printing, sealing and posting of forms, keeping of information such as forms and justifications, preparation and delivery of cards, requests for payment and legal proceedings), for operational management requirements (including but not limited to marketing, fiscal and consulting advising services, administrative research, statistics study and analysis, credit check and information management), or solicitation of sales of the Bank’s products, or for collection and computer processing of related personal information for the purpose of recommending various activities of the bank which fit specific purposes to the Cardholder, or to be disclosed to appropriate mandated third parties or membership institutions of various credit card organizations for the purpose of collection, computer processing, international transmission and use.	(IV). Collection, Use, Processing and International Transmission of Personal Data 1. The Cardholder agrees for the Cardholder’s personal information and the transactional information with the Bank to be disclosed to the Members of HSBC Group, any financial institution which has any dealing or cooperation with the Bank, the Joint Credit Information Center and the National Credit Card Center of the R.O.C. in accordance with the rules or approvals of the governing authority due to the transaction amount payment activity, processing activity or other ancillary activity related to the Visa Chip Debit Card (such as recording, processing and output of information system, development, monitoring and maintenance of information system, marketing, cardholder information key-in, printing, sealing and posting of forms, keeping of information such as forms and justifications, preparation and delivery of cards, requests for payment and legal proceedings), for operational management requirements (including but not limited to marketing, fiscal and consulting advising services, administrative research, statistics study and analysis, credit check and information management), or solicitation of sales of the Bank’s products, or for collection and processing of related personal information for the purpose of recommending various activities of the bank which fit specific purposes to the Cardholder, or to be disclosed to appropriate mandated third parties or membership institutions of various credit card organizations for the purpose of collection, processing, international transmission and use.
(XXI ) Delegation The cardholder agrees that the collection of transaction accounts, computer processing, business attached to the Visa Debit Card Terms and Conditions (such as information recording, processing and output of information system, development of information system, monitoring and maintenance, marketing, cardholder information input, printing, sealing and posting of forms, custody of forms and certificates, preparation and delivery of cards, demand for accounts and legal proceedings, etc. (including collection and computer processing of related personal information which fit the specific purpose) may be outsourced to an appropriate third party or be handled in cooperation with the members of credit card organizations as required or approved by the competent authority, if necessary. The cardholder also agrees that the Bank may provide his/her personal information to the third party, provided that the third party shall engage in the computer processing of, and use, the personal information pursuant to laws and keep confidential such information. The cardholder agrees that the terms and conditions herein shall remain effective in the case of any change in the cooperative relationship between the Bank and a third party, or the Bank’s name or organization, and the Cardholder is willing to comply with Visa Debit Card Terms and Conditions without signing any additional documents.	(XXI ) Delegation The cardholder agrees that the collection of transaction accounts, data processing, business attached to the Visa Debit Card Terms and Conditions (such as information recording, processing and output of information system, development of information system, monitoring and maintenance, marketing, cardholder information input, printing, sealing and posting of forms, custody of forms and certificates, preparation and delivery of cards, demand for accounts and legal proceedings, etc. (including collection and processing of related personal information which fit the specific purpose) may be outsourced to an appropriate third party or be handled in cooperation with the members of credit card organizations as required or approved by the competent authority, if necessary. The cardholder also agrees that the Bank may provide his/her personal information to the third party, provided that the third party shall engage in the processing of, and use, the personal information pursuant to laws and keep confidential such information. The cardholder agrees that the terms and conditions herein shall remain effective in the case of any change in the cooperative relationship between the Bank and a third party, or the Bank’s name or organization, and the Cardholder is willing to comply with Visa Debit Card Terms and Conditions without signing any additional documents.