The following is for reference only. Please read and understand the attached Terms and Conditions which apply to the operation of the Integrated Account and the services and products offered by the Bank in connection with the Integrated Account.     Part I - General Terms and Conditions (Effective 1 Aug 08 Account Terms & Condition will be changed, please click here for details.)   Part I sets out the terms and conditions which apply generally to the Integrated Account and the services and products offered by the Bank in connection with the Integrated Account. Part II - Terms and Conditions for Accounts and Related Services (Effective 1 Aug 08 Account Terms & Condition will be changed, please click here for details.)   Part II sets out the terms and conditions relating to the current and deposit accounts and related services such as Autosweeping Service and direct debit authorization. Part III - Terms and Conditions for Currency Transactions   Part III sets out the terms and conditions relating to currency transactions such as currency exchange and Currency Switching Services. Part IV - Terms and Conditions for Overdraft Facilities   Part IV sets out the terms and conditions relating to the use and repayment of any overdraft facilities granted to the Customer. Part V - Terms and Conditions relating to Securities and other Assets   Part V sets out the terms and conditions relating to custodian and investment services. Part VI - Terms and Conditions for Share Margin Services   Part VI sets out the terms and conditions relating to Share Margin Services and should be construed together with the terms and conditions set out in Part V. Part VII - Terms and Conditions for Hang Seng Monthly Investment Plan   Part VII sets out the terms and conditions governing the Hang Seng Monthly Investment Plan. Part VIII - Terms and Conditions relating to Gold Account   Part VIII sets out the terms and conditions relating to the statement gold account. Part IX - Terms and Conditions relating to Cards   Part IX sets out the terms and conditions governing the use of any credit card or debit card issued by the Bank. Part X - Terms and Conditions for Dynamic Lifestyle Alert   Part X sets out the terms and conditions governing the Dynamic Lifestyle Alert Service. APPENDIX A