The Joint Account Agreement is a fundamental banking document used in Hong Kong when two or more individuals wish to establish a shared banking relationship. This agreement is essential for defining the parameters of joint account ownership and operation, particularly in the context of Hong Kong's banking regulations and financial services framework. It addresses critical aspects such as survivorship rights, operational authorities, liability allocation, and account management procedures. The document is designed to comply with Hong Kong regulatory requirements, including the Banking Ordinance and Anti-Money Laundering regulations, while providing clear guidelines for both the financial institution and account holders in their day-to-day banking relationship.
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1. Parties: Identifies the bank and all joint account holders
2. Background: Sets out the context and purpose of the agreement
3. Definitions: Defines key terms used throughout the agreement
4. Account Opening and Operation: Details the process of opening and operating the joint account
5. Joint and Several Liability: Establishes that account holders are jointly and severally liable for all obligations
6. Instructions and Authority: Specifies how instructions can be given and who has authority to operate the account
7. Death or Incapacity: Addresses what happens in case of death or incapacity of any account holder
8. Rights and Obligations: Details the rights and obligations of both the bank and account holders
9. Fees and Charges: Outlines all applicable fees and charges
10. Account Statements and Communications: Describes how statements will be provided and communications handled
11. Termination: Sets out circumstances and process for account termination
12. Governing Law and Jurisdiction: Specifies Hong Kong law as governing law and jurisdiction
1. Internet Banking Services: Include when online banking access is requested for the joint account
2. Investment Services: Include when the joint account will be used for investment purposes
3. Foreign Currency Services: Include when the account will handle multiple currencies
4. Overdraft Facility: Include when an overdraft facility is requested
5. Special Instructions for Operations: Include when specific operational requirements are needed (e.g., all parties must sign)
6. Credit Card Services: Include when credit cards are to be issued in connection with the account
7. Specific Risk Disclosures: Include when specific investment or currency products are offered
1. Schedule 1 - Account Holder Information: Detailed information about all account holders including KYC documents
2. Schedule 2 - Fee Schedule: Detailed breakdown of all applicable fees and charges
3. Schedule 3 - Authorized Signatories: List of authorized signatories and their specimen signatures
4. Schedule 4 - Services Selected: Checklist of services selected by the account holders
5. Appendix A - Terms for Special Services: Specific terms for any special services selected
6. Appendix B - Operating Instructions: Detailed instructions for account operation including signing arrangements
Relevant legal definitions
Account
Account Holders
Agreement
Authorized Representative
Authorized Signatory
Bank
Banking Day
Business Day
Effective Date
Electronic Instructions
Fees
Force Majeure Event
Hong Kong
Instructions
Joint Account
Joint and Several Liability
Mandate
Operating Instructions
Password
Personal Data
PIN
Primary Account Holder
Regulatory Authority
Related Parties
Relevant Laws
Right of Survivorship
Schedule
Secondary Account Holder
Security Device
Services
Signature
Statement of Account
Terms and Conditions
Transaction
Writing/Written
Account Holders
Agreement
Authorized Representative
Authorized Signatory
Bank
Banking Day
Business Day
Effective Date
Electronic Instructions
Fees
Force Majeure Event
Hong Kong
Instructions
Joint Account
Joint and Several Liability
Mandate
Operating Instructions
Password
Personal Data
PIN
Primary Account Holder
Regulatory Authority
Related Parties
Relevant Laws
Right of Survivorship
Schedule
Secondary Account Holder
Security Device
Services
Signature
Statement of Account
Terms and Conditions
Transaction
Writing/Written
Clauses
Parties and Definitions
Account Operation
Joint and Several Liability
Authority and Instructions
Rights of Survivorship
Death and Incapacity
Account Statements
Fees and Charges
Communications
Electronic Banking
Security and Access
Confidentiality
Data Privacy
Anti-Money Laundering
Force Majeure
Amendments
Termination
Indemnification
Set-off Rights
Assignment
Severability
Entire Agreement
Notices
Governing Law
Jurisdiction
Dispute Resolution
Account Operation
Joint and Several Liability
Authority and Instructions
Rights of Survivorship
Death and Incapacity
Account Statements
Fees and Charges
Communications
Electronic Banking
Security and Access
Confidentiality
Data Privacy
Anti-Money Laundering
Force Majeure
Amendments
Termination
Indemnification
Set-off Rights
Assignment
Severability
Entire Agreement
Notices
Governing Law
Jurisdiction
Dispute Resolution
Relevant Industries
Banking
Financial Services
Wealth Management
Retail Banking
Private Banking
Investment Services
Corporate Banking
Financial Technology
Relevant Teams
Legal
Compliance
Retail Banking
Customer Service
Operations
Risk Management
Product Development
Documentation
Wealth Management
Branch Operations
Relevant Roles
Relationship Manager
Branch Manager
Compliance Officer
Legal Counsel
Account Services Manager
Customer Service Representative
Banking Operations Manager
Risk Manager
Product Manager
Financial Advisor
Wealth Management Consultant
Banking Documentation Specialist
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