HANG SENG BANK LIMITED INTEGRATED ACCOUNT TERMS AND CONDITIONS
PART IX TERMS AND CONDITIONS RELATING TO CARDS
1.	Integrated Account ATM Card
	1.01	The Integrated Account ATM Card is and shall at all times remain the property of the Bank and subject to the Bank's cancellation or withdrawal at any time without giving the Customer any prior notice and reason. The Customer shall surrender the Integrated Account ATM Card to the Bank immediately upon the Bank's demand.
	1.02	The facilities made available by the Bank with the use of the Integrated Account ATM Card include, without limitation, automated teller machines ("ATMs") installed and operated by the Bank ("Bank ATMs"), such other ATMs installed and operated by such other banks or entities inside and outside Hong Kong and such point of sale terminals as the Bank may from time to time announce.
	1.03	The Customer requests and authorizes the Bank, in order to expedite withdrawals from the Sub-accounts, to allow at its discretion withdrawals upon verifying the Customer's signature on the withdrawal request form and that on the back of the Integrated Account ATM Card. This Clause 1.03 shall be subject to such maximum amount which may be withdrawn each time as the Bank may prescribe from time to time.
	1.04	The Integrated Account ATM Card is not transferable and shall only be used exclusively by the Customer.
	1.05	The Customer shall act in good faith, exercise reasonable care and diligence in keeping the Personal Identification Number ("Card PIN") of the Integrated Account ATM Card in secrecy. At no time and under no circumstances shall the Customer disclose the secret Card PIN or transfer the Integrated Account ATM Card to any person or permit their use by any person.
	1.06	The Customer shall be fully responsible for any accidental or unauthorized disclosure of the Card PIN to any person and shall bear the risks of the Card PIN being used by unauthorized persons or for unauthorized purposes.
	1.07	Upon notice or suspicion of the Card PIN being disclosed to any unauthorized person or any unauthorized Transaction being effected and/or in the case of any loss or theft of the Integrated Account ATM Card, the Customer shall notify the Bank in person immediately or by telephone at such telephone numbers as the Bank may from time to time prescribe (which the Bank may ask the Customer to confirm in writing any details given) and the Customer shall change the Card PIN as soon as possible. Notwithstanding the foregoing, all withdrawals, transfers and/or Transactions involving the use of the Integrated Account ATM Card by any person whether or not authorized by the Customer prior to the Bank's actual receipt of any notice from the Customer shall be conclusively binding on the Customer. If any replacement card is issued, the Bank is entitled to charge a fee therefor.
	1.08	The Integrated Account ATM Card shall only be used for withdrawal or transfer if there are sufficient funds or available overdraft facility in the Sub-account concerned.
	1.09	Unless otherwise announced by the Bank, cash and/or cheques may be deposited with the Bank by the use of the Integrated Account ATM Card at the Bank ATMs only where the following shall apply:
		(a)	any cash and/or cheque so deposited shall not be treated as having been received by the Bank until after the Bank's verification thereof which may not take place on the same day of deposit. Until such verification, the Bank is entitled not to credit the amount to the relevant Sub-account for the use of the Customer; and
		(b)	the advice issued by the Bank ATMs in respect of the acceptance of any such deposit represents only what the Customer has purported to have deposited with the Bank by the use of the Integrated Account ATM Card and shall in no way bind the Bank as to its correctness.
	1.10	The Bank shall have the right to disclose, in strict confidence, to the other banks and/or entities such information concerning the Integrated Account, as may be necessary or required for the processing of any withdrawal, transfer and/or Transaction by the use of the Integrated Account ATM Card.
	1.11	The Bank shall not be liable for the refusal of any merchant to accept or honour the Integrated Account ATM Card for goods and/or services supplied to the Customer nor shall the Bank be responsible in any way for the goods and/or services supplied by any merchant. Any complaints by the Customer relating to any merchant must be resolved by him with such merchant and no such claim may be the subject of a set-off or counter-claim by the Customer against the Bank.
2.	Credit Card
	2.01	The Bank may in its discretion issue any credit card to the Customer subject to such terms and conditions governing the use of the credit card as the Bank may reasonably prescribe. Upon using any credit card, the Customer shall be bound by such terms and conditions governing the credit card.
	2.02	Where an ATM function is incorporated in any credit card, the use of such ATM function shall be subject to the applicable provisions in Clause 1 of this Part.