- E.SUN Bank

Items	After amendment	Before amendment
Article 1 Paragraph 1 Subparagraph 9	Article 1 (Terminology) IX."Closing date": Refers to the payment deadline for the cardholder’s accounts payable settled by E.SUN Bank for the current cycle. Accounts payable that are posted after the closing date shall be included for calculation in the following cycle. However, if the closing date falls on a public holiday or national holiday, E.SUN Bank may move the closing date to the business day before.	Article 1 (Terminology) IX."Closing date": Refers to the payment deadline for the cardholder’s accounts payable settled by E.SUN Bank for the current cycle. Accounts payable that are posted after the closing date shall be included for calculation in the following cycle. However, if the closing date falls on a public holiday, E.SUN Bank may move the closing date to the business day before.
Article 3 Paragraph 1	Article 3 (Supplementary cardholder) The primary cardholder may apply for supplementary cards for his / her spouse, children, parents, siblings or spouse’s parents upon approval by E.SUN Bank. The primary cardholder shall assume full responsibility for accounts payable incurred from his/her own credit card and the supplementary cardholder's credit card.	Article 3 (Supplementary cardholder) The primary cardholder can apply for supplementary cards for his / her spouse, children, parents, siblings or spouse’s parents upon approval by E.SUN Bank. The primary cardholder shall assume full responsibility for accounts payable incurred from his/her own credit card and the supplementary cardholder's credit card.
Article 5 Paragraph 6	Article 5 (Credit limit) Cardholders’ transactions on offshore investment platforms are limited to the credit limit approved by E.SUN Bank and will not be considered as reasons for credit limit adjustments or items for excess authorization.	Article 5 (Credit limit) None
Article 11 Paragraph 3	Article 11 (Suspension of payment) After the cardholder uses his / her credit card for transactions via electronic means or in person , and the contract with the merchant is cancelled in accordance with the provisions under Article 19 of the Consumer Protection Act, the terms in the preceding paragraph shall apply mutatis mutandis.	Article 11 (Suspension of payment) After the cardholder uses his / her credit card for transactions via mail means or in person , and the contract with the merchant is cancelled in accordance with the provisions under Article 19 of the Consumer Protection Act, the terms in the preceding paragraph shall apply mutatis mutandis.
Article 12 Paragraph 4	Article 12 (Billing statement and other notifications) If the cardholder fails to notify E.SUN Bank of any changes to the contact address or contact information specified in the application form, E.SUN Bank shall continue delivering future correspondences to the cardholder's last known contact address or other contact methods specified in the application form. Once E.SUN Bank has sent their business correspondence or required notices to the cardholder's last known contact address or other contact methods specified in the application form, they will be deemed as duly received after the usual time of delivery or notification has elapsed. All notifications sent by E.SUN Bank via electronic documents are equivalent to those issued in writing. The cardholder may not claim that these notifications or expressions of intent do not satisfy written document or signature requirements and are therefore invalid or void.	Article 12 (Billing statement and other notifications) If the cardholder fails to notify E.SUN Bank of any changes to the contact address or contact information specified in the application form, E.SUN Bank shall continue delivering future correspondences to the last known contact address or the contact address recorded on their application form. Once E.SUN Bank has sent their business correspondence or required notices to the last known contact address or the contact address recorded on their application form, they will be deemed as duly received after the usual time of delivery or notification has elapsed. All notifications sent by E.SUN Bank via electronic documents are equivalent to those issued in writing. The cardholder may not claim that these notifications or expressions of intent do not satisfy written document or signature requirements and are therefore invalid or void.
Article 13 Paragraph 3	Article 13 (Account dispute processing procedures) For disputable payments that are suspended... if the investigation results indicate that it was indeed a card fraud or that the account dispute was not attributable to the cardholder, ... If the arbitration result is in the cardholder's favor, the cardholder does not have to bear all or part of the arbitration processing fee.	Article 13 (Account dispute processing procedures) For disputable payments that are suspended... if the investigation results should indicate that it was indeed a card fraud or that the account dispute was not attributable to the cardholder, ...
Article 14 Paragraph 3 Subparagraph 1	Article 14 (Payment) The cardholder's minimum amount due for each cycle shall be calculated separately for each currency per the agreement, ...: I. The cardholder's installment payment transactions (including cash advance and compensation transactions), mutual fund dollar cost averaging amount, credit card balance installment plan amount and the full amount of newly-added transaction amounts on offshore investment platforms starting from January 1, 2023.	Article 14 (Payment) The cardholder's minimum amount due for each cycle shall be calculated separately for each currency per the agreement, ...: I. The cardholder's installment payment transactions (including cash advance and compensation transactions), mutual fund dollar cost averaging amount, credit card balance installment plan amount.
Article 14 Paragraphs 5, 6, and 7	Article 14 (Payment) In the event that the cardholder overpays the amount due, the remaining balance shall be held by E.SUN Bank without interest and handled as instructed by the cardholder or via methods agreed upon by both parties. If the cardholder does not designate or instruct otherwise, E.SUN Bank may use it to counterbalance subsequent payments due to E.SUN Bank. If the cardholder applies for or conducts refund of the overpayment, E.SUN Bank shall charge a processing fee of NT$100 per case and an interbank remittance handling fee (if any). The cardholder agrees for E.SUN Bank to directly deduct the fees from the overpayment to be refunded. If the cardholder waives his / her ownership of the overpayment, he / she shall be deemed to have agreed for E.SUN Bank to handle it at its own discretion. E.SUN Bank shall remind the cardholder with visible text in the billing statement that there is still overpayment in his / her account if the cardholder’s credit card is not renewed upon expiry or re-issued after suspension. If the cardholder has not instructed E.SUN Bank on the handling of the overpayment more than 6 months after the notice has been sent by E.SUN Bank in accordance with the preceding paragraph, or if the cardholder’s overpayment in NTD and other foreign currencies …and then directly refund the overpayment by mailing a nonnegotiable check under the same as the cardholder to his / her last known contact address, by remitting the amount to the cardholder's domestic savings account, or by transferring to the cardholder's E.SUN Bank savings account.	Article 14 (Payment) In the event that the cardholder overpays the amount due, the remaining balance shall be held by E.SUN Bank without interest. The cardholder may also apply for refund of overpayment in accordance with his / her instructions or in any other manner agreed upon by both parties. If the cardholder has no instruction or appointment to apply for refund of overpayment, E.SUN Bank shall remind the cardholder with visible text in the billing statement that there is still overpayment in his / her account if the cardholder’s credit card is not renewed upon expiry. If the cardholder’s overpayment in NTD and other foreign currencies …and then directly refund the overpayment by mailing a nonnegotiable check under the same as the cardholder to his / her billing address, by remitting the amount to the cardholder's domestic savings account, or by transferring to the cardholder's E.SUN Bank savings account. (E.SUN Bank shall refund juridical person customers by sending a non-negotiable check written out to the company to the company’s billing address, wire transfer these funds into a domestic deposit account opened under the company’s name, or transfer these funds into a deposit account at E.SUN Bank opened under the company’s name.) If the cardholder directly requests E.SUN Bank to refund an overpayment, they shall be required to pay E.SUN Bank a NT$100 service fee for each refund, with this amount being directly deducted from the refund amount.
Article 16 Paragraph 1	Article 16 (Authorization for foreign currency settlement) All of the cardholder's credit card bills and refunds shall be settled in NTD or the designated foreign currency. If a transaction (including online transactions) or a refund is made in foreign currency, or if it is conducted overseas in NTD…	Article 16 (Authorization for foreign currency settlement) (Authorization for foreign currency settlement) All of the cardholder's credit card bills shall be settled in NTD or the designated foreign currency. If a transaction (including online transactions)is made in foreign currency, or if it is conducted overseas in NTD…
Article 21 Paragraph 1 Subparagraphs 7 and 10	Article 21 (Restrictions on credit card usage) (Restrictions on credit card usage) E.SUN Bank may reduce the cardholder’s credit limit, adjust the minimum ratio or amount due for revolving credit, or temporarily suspend the use of the cardholder’s credit card without prior notice if the cardholder exhibits any one of the following and shall immediately notify the cardholder: VII. The primary cardholder is 24 years old or under, is a student, and has used the credit card for transactions exceeding his / her ability for repayment. X. The passport, Taiwan Travel Permit, Entry/Exit Permit to Taiwan Area, or resident certificate that a foreign cardholder has left with E.SUN Bank has expired.	Article 21 (Restrictions on credit card usage) E.SUN Bank may reduce the cardholder’s credit limit, adjust the minimum ratio or amount due for revolving credit, or temporarily suspend the use of the cardholder’s credit card without prior notice if the cardholder exhibits any one of the following and shall immediately notify the cardholder: VII. The primary cardholder is between 20 and 24 years old (below 25 years old), is a student, and has used the credit card for transactions exceeding his / her ability for repayment.
Article 21 Paragraph 2 Subparagraph 12	Article 21 (Restrictions on credit card usage) If the cardholder exhibits any one of the following, E.SUN Bank may reduce the cardholder’s credit limit or adjust the minimum ratio or amount due for revolving credit with prior notice in any method or if a reasonable period has passed since the public summons, and the cardholder cannot or fails to provide a just cause. In the case of a serious offense (the conduct under Subparagraph 11 of this Paragraph dos not have to be a serious offense), E.SUN Bank may temporarily suspend the use of the cardholder’s credit card: XI. .... XII. The cardholder has not used the credit card for one consecutive year (inclusive), has not canceled the card, and E.SUN Bank has evaluated that the card may pose a security risk.	Article 21 (Restrictions on credit card usage) If the cardholder exhibits any one of the following, E.SUN Bank may reduce the cardholder’s credit limit or adjust the minimum ratio or amount due for revolving credit with prior notice in any method or if a reasonable period has passed since the public summons, and the cardholder cannot or fails to provide a just cause. In the case of a serious offense (the conduct under Subparagraph 11 of this Paragraph dos not have to be a serious offense), E.SUN Bank may temporarily suspend the cardholder’s right to use all or some of the credit card’s functions, or terminate the credit card agreement: XI. .... (None)
Article 22 Paragraph 5	Article 22 (Loss of benefit of time and termination of the agreement) E.SUN Bank may terminate this agreement by notifying the cardholder in writing or using any other methods agreed by the cardholder, should the cardholder exhibit any of the conditions described in Paragraph 1 or 2 of the preceding Article, or when the credit card is due to expire.	Article 22 (Loss of benefit of time and termination of the agreement) E.SUN Bank may terminate this agreement by notifying the cardholder in writing, through email, through telephone, or using any other methods agreed by the cardholder, should the cardholder exhibit any of the conditions described in Paragraph 1 or 2 of the preceding Article, or when the credit card is due to expire.
Article 23, Paragraph 1	Article 23 (Stoppage of issuance) If the cooperation with a partner group for a recognition card or co-branded card has terminated or if the original credit card is no longer issued, E.SUN Bank may cancel the credit card, and notify the cardholder via E-mail (or in writing if the cardholder did not provide an E-mail address) or other methods agreed by the cardholder. If the cardholder does not raise objections within a designated period, E.SUN Bank shall issue a different credit card for the cardholder to use…. However, if the cardholder already holds another credit card issued by E.SUN Bank, E.SUN Bank may also cancel said credit card without issuing a new one.	Article 23 (Affinity card/co-branded card) If the cooperation with a partner group for a recognition card or co-branded card has terminated, E.SUN Bank may cancel the affinity/co-branded card, and notify the cardholder in writing (including through an electronic document), phone, or other methods agreed by the cardholder. If the cardholder does not raise objections within a designated period, E.SUN Bank shall issue a different credit card for the cardholder to use…. However, if the cardholder already holds another credit card issued by E.SUN Bank, E.SUN Bank may also cancel the affinity/co-branded card without issuing a new one.

Article 1
Paragraph 1
Subparagraph 9

Article 1 (Terminology)
IX."Closing date": Refers to the payment deadline for the cardholder’s accounts payable settled by E.SUN Bank for the current cycle. Accounts payable that are posted after the closing date shall be included for calculation in the following cycle. However, if the closing date falls on a public holiday or national holiday, E.SUN Bank may move the closing date to the business day before.

Article 1 (Terminology)
IX."Closing date": Refers to the payment deadline for the cardholder’s accounts payable settled by E.SUN Bank for the current cycle. Accounts payable that are posted after the closing date shall be included for calculation in the following cycle. However, if the closing date falls on a public holiday, E.SUN Bank may move the closing date to the business day before.

Article 3
Paragraph 1

Article 3 (Supplementary cardholder)
The primary cardholder may apply for supplementary cards for his / her spouse, children, parents, siblings or spouse’s parents upon approval by E.SUN Bank. The primary cardholder shall assume full responsibility for accounts payable incurred from his/her own credit card and the supplementary cardholder's credit card.

Article 3 (Supplementary cardholder)
The primary cardholder can apply for supplementary cards for his / her spouse, children, parents, siblings or spouse’s parents upon approval by E.SUN Bank. The primary cardholder shall assume full responsibility for accounts payable incurred from his/her own credit card and the supplementary cardholder's credit card.

Article 5
Paragraph 6

Article 5 (Credit limit)
Cardholders’ transactions on offshore investment platforms are limited to the credit limit approved by E.SUN Bank and will not be considered as reasons for credit limit adjustments or items for excess authorization.

Article 5 (Credit limit)
None

Article 11
Paragraph 3

Article 11 (Suspension of payment)
After the cardholder uses his / her credit card for transactions via electronic means or in person , and the contract with the merchant is cancelled in accordance with the provisions under Article 19 of the Consumer Protection Act, the terms in the preceding paragraph shall apply mutatis mutandis.

Article 11 (Suspension of payment)
After the cardholder uses his / her credit card for transactions via mail means or in person , and the contract with the merchant is cancelled in accordance with the provisions under Article 19 of the Consumer Protection Act, the terms in the preceding paragraph shall apply mutatis mutandis.

Article 12
Paragraph 4

Article 12 (Billing statement and other notifications)
If the cardholder fails to notify E.SUN Bank of any changes to the contact address or contact information specified in the application form, E.SUN Bank shall continue delivering future correspondences to the cardholder's last known contact address or other contact methods specified in the application form. Once E.SUN Bank has sent their business correspondence or required notices to the cardholder's last known contact address or other contact methods specified in the application form, they will be deemed as duly received after the usual time of delivery or notification has elapsed. All notifications sent by E.SUN Bank via electronic documents are equivalent to those issued in writing. The cardholder may not claim that these notifications or expressions of intent do not satisfy written document or signature requirements and are therefore invalid or void.

Article 12 (Billing statement and other notifications)
If the cardholder fails to notify E.SUN Bank of any changes to the contact address or contact information specified in the application form, E.SUN Bank shall continue delivering future correspondences to the last known contact address or the contact address recorded on their application form. Once E.SUN Bank has sent their business correspondence or required notices to the last known contact address or the contact address recorded on their application form, they will be deemed as duly received after the usual time of delivery or notification has elapsed. All notifications sent by E.SUN Bank via electronic documents are equivalent to those issued in writing. The cardholder may not claim that these notifications or expressions of intent do not satisfy written document or signature requirements and are therefore invalid or void.

Article 13
Paragraph 3

Article 13 (Account dispute processing procedures)
For disputable payments that are suspended... if the investigation results indicate that it was indeed a card fraud or that the account dispute was not attributable to the cardholder, ... If the arbitration result is in the cardholder's favor, the cardholder does not have to bear all or part of the arbitration processing fee.

Article 13 (Account dispute processing procedures)
For disputable payments that are suspended... if the investigation results should indicate that it was indeed a card fraud or that the account dispute was not attributable to the cardholder, ...

Article 14
Paragraph 3
Subparagraph 1

Article 14 (Payment)
The cardholder's minimum amount due for each cycle shall be calculated separately for each currency per the agreement, ...:
I. The cardholder's installment payment transactions (including cash advance and compensation transactions), mutual fund dollar cost averaging amount, credit card balance installment plan amount and the full amount of newly-added transaction amounts on offshore investment platforms starting from January 1, 2023.

Article 14 (Payment)
The cardholder's minimum amount due for each cycle shall be calculated separately for each currency per the agreement, ...:
I. The cardholder's installment payment transactions (including cash advance and compensation transactions), mutual fund dollar cost averaging amount, credit card balance installment plan amount.

Article 14
Paragraphs 5, 6, and 7

Article 14 (Payment)
In the event that the cardholder overpays the amount due, the remaining balance shall be held by E.SUN Bank without interest and handled as instructed by the cardholder or via methods agreed upon by both parties. If the cardholder does not designate or instruct otherwise, E.SUN Bank may use it to counterbalance subsequent payments due to E.SUN Bank. If the cardholder applies for or conducts refund of the overpayment, E.SUN Bank shall charge a processing fee of NT$100 per case and an interbank remittance handling fee (if any). The cardholder agrees for E.SUN Bank to directly deduct the fees from the overpayment to be refunded. If the cardholder waives his / her ownership of the overpayment, he / she shall be deemed to have agreed for E.SUN Bank to handle it at its own discretion. E.SUN Bank shall remind the cardholder with visible text in the billing statement that there is still overpayment in his / her account if the cardholder’s credit card is not renewed upon expiry or re-issued after suspension. If the cardholder has not instructed E.SUN Bank on the handling of the overpayment more than 6 months after the notice has been sent by E.SUN Bank in accordance with the preceding paragraph, or if the cardholder’s overpayment in NTD and other foreign currencies …and then directly refund the overpayment by mailing a nonnegotiable check under the same as the cardholder to his / her last known contact address, by remitting the amount to the cardholder's domestic savings account, or by transferring to the cardholder's E.SUN Bank savings account.

Article 14 (Payment)
In the event that the cardholder overpays the amount due, the remaining balance shall be held by E.SUN Bank without interest. The cardholder may also apply for refund of overpayment in accordance with his / her instructions or in any other manner agreed upon by both parties. If the cardholder has no instruction or appointment to apply for refund of overpayment, E.SUN Bank shall remind the cardholder with visible text in the billing statement that there is still overpayment in his / her account if the cardholder’s credit card is not renewed upon expiry. If the cardholder’s overpayment in NTD and other foreign currencies …and then directly refund the overpayment by mailing a nonnegotiable check under the same as the cardholder to his / her billing address, by remitting the amount to the cardholder's domestic savings account, or by transferring to the cardholder's E.SUN Bank savings account. (E.SUN Bank shall refund juridical person customers by sending a non-negotiable check written out to the company to the company’s billing address, wire transfer these funds into a domestic deposit account opened under the company’s name, or transfer these funds into a deposit account at E.SUN Bank opened under the company’s name.) If the cardholder directly requests E.SUN Bank to refund an overpayment, they shall be required to pay E.SUN Bank a NT$100 service fee for each refund, with this amount being directly deducted from the refund amount.

Article 16
Paragraph 1

Article 16 (Authorization for foreign currency settlement)
All of the cardholder's credit card bills and refunds shall be settled in NTD or the designated foreign currency. If a transaction (including online transactions) or a refund is made in foreign currency, or if it is conducted overseas in NTD…

Article 16 (Authorization for foreign currency settlement)
(Authorization for foreign currency settlement) All of the cardholder's credit card bills shall be settled in NTD or the designated foreign currency. If a transaction (including online transactions)is made in foreign currency, or if it is conducted overseas in NTD…

Article 21
Paragraph 1
Subparagraphs 7 and 10

Article 21 (Restrictions on credit card usage)
(Restrictions on credit card usage) E.SUN Bank may reduce the cardholder’s credit limit, adjust the minimum ratio or amount due for revolving credit, or temporarily suspend the use of the cardholder’s credit card without prior notice if the cardholder exhibits any one of the following and shall immediately notify the cardholder:
VII. The primary cardholder is 24 years old or under, is a student, and has used the credit card for transactions exceeding his / her ability for repayment.
X. The passport, Taiwan Travel Permit, Entry/Exit Permit to Taiwan Area, or resident certificate that a foreign cardholder has left with E.SUN Bank has expired.

Article 21 (Restrictions on credit card usage)
E.SUN Bank may reduce the cardholder’s credit limit, adjust the minimum ratio or amount due for revolving credit, or temporarily suspend the use of the cardholder’s credit card without prior notice if the cardholder exhibits any one of the following and shall immediately notify the cardholder:
VII. The primary cardholder is between 20 and 24 years old (below 25 years old), is a student, and has used the credit card for transactions exceeding his / her ability for repayment.

Article 21
Paragraph 2
Subparagraph 12

Article 21 (Restrictions on credit card usage)
If the cardholder exhibits any one of the following, E.SUN Bank may reduce the cardholder’s credit limit or adjust the minimum ratio or amount due for revolving credit with prior notice in any method or if a reasonable period has passed since the public summons, and the cardholder cannot or fails to provide a just cause. In the case of a serious offense (the conduct under Subparagraph 11 of this Paragraph dos not have to be a serious offense), E.SUN Bank may temporarily suspend the use of the cardholder’s credit card: XI. .... XII. The cardholder has not used the credit card for one consecutive year (inclusive), has not canceled the card, and E.SUN Bank has evaluated that the card may pose a security risk.

Article 21 (Restrictions on credit card usage)
If the cardholder exhibits any one of the following, E.SUN Bank may reduce the cardholder’s credit limit or adjust the minimum ratio or amount due for revolving credit with prior notice in any method or if a reasonable period has passed since the public summons, and the cardholder cannot or fails to provide a just cause. In the case of a serious offense (the conduct under Subparagraph 11 of this Paragraph dos not have to be a serious offense), E.SUN Bank may temporarily suspend the cardholder’s right to use all or some of the credit card’s functions, or terminate the credit card agreement: XI. .... (None)

Article 22
Paragraph 5

Article 22 (Loss of benefit of time and termination of the agreement)
E.SUN Bank may terminate this agreement by notifying the cardholder in writing or using any other methods agreed by the cardholder, should the cardholder exhibit any of the conditions described in Paragraph 1 or 2 of the preceding Article, or when the credit card is due to expire.

Article 22 (Loss of benefit of time and termination of the agreement)
E.SUN Bank may terminate this agreement by notifying the cardholder in writing, through email, through telephone, or using any other methods agreed by the cardholder, should the cardholder exhibit any of the conditions described in Paragraph 1 or 2 of the preceding Article, or when the credit card is due to expire.

Article 23,
Paragraph 1

Article 23 (Stoppage of issuance) If the cooperation with a partner group for a recognition card or co-branded card has terminated or if the original credit card is no longer issued, E.SUN Bank may cancel the credit card, and notify the cardholder via E-mail (or in writing if the cardholder did not provide an E-mail address) or other methods agreed by the cardholder. If the cardholder does not raise objections within a designated period, E.SUN Bank shall issue a different credit card for the cardholder to use…. However, if the cardholder already holds another credit card issued by E.SUN Bank, E.SUN Bank may also cancel said credit card without issuing a new one.

Article 23 (Affinity card/co-branded card)
If the cooperation with a partner group for a recognition card or co-branded card has terminated, E.SUN Bank may cancel the affinity/co-branded card, and notify the cardholder in writing (including through an electronic document), phone, or other methods agreed by the cardholder. If the cardholder does not raise objections within a designated period, E.SUN Bank shall issue a different credit card for the cardholder to use…. However, if the cardholder already holds another credit card issued by E.SUN Bank, E.SUN Bank may also cancel the affinity/co-branded card without issuing a new one.

Announcement of Amendment to Credit Card Agreement