User Access 用戶權限

"Transactions" include Payments, Payroll, Collections, Fixed Deposit, Loan Servicing, FX Online, Trade Services (if applicable) and Customer Self Administrator services.
「交易」包括付款、發薪、收款、定期存款、貸款服務、星展外匯通、貿易服務（如適用）及客戶自助管理員服務。

Default the notification channels as SMS & email and language for notification (SMS & email) as English.
預設通訊途徑為短訊及電郵、通訊語言為英語。

By default, all IDEAL users will be subscribed to Digital Token.
預設 IDEAL 數碼編碼器為雙重認證模式，除非於特別指示中另有說明。

Default "Any 1 Transaction Authorizer" can give instructions or enter into agreements with the Bank via IDEAL and transaction limit up to HK$3,000,000.00.
預設「任何 1 位交易授權人」可以透過 IDEAL 網上理財服務發出指示或與銀行訂立協議，交易數額上限為港幣 $3,000,000.00。

Transaction management control will be defaulted to Single Management Control.
交易管理監控將預設為單一管理監控。

Loan Servicing Authorisation 貸款交易授權

The Bank is authorised to act on the authorisations and instructions provided in this form without further checks, even if the authorisations and instructions may differ from any other authorisations or instructions provided by the Company to the Bank elsewhere. The authorisations and instructions provided in this form do not revoke or amend any authorisations or instructions provided by the Company elsewhere.
授權銀行根據本表格中提供的授權或指示執行，而無需進一步檢查授權或指示可能與本公司向銀行在其他地方提供的任何授權或指示不同。本表格提供的授權和指示不會撤銷或修改本公司在其他地方向銀行提供的任何授權或指示。

Risk Disclosure Statement For The Application Of Single Management Control In IDEAL 採納 IDEAL 單一管理監控模式的風險披露聲明

This disclosure statement discusses the characteristics and risks of having Single Management Control (“Single Management Control”) for transactions initiated through IDEAL provided by the Bank. For all transactions initiated through IDEAL (other than FX Online), the system defaults to have Dual Management Control (“Dual Management Control”) in place such that no single person could initiate and approve transactions that would result in fraudulent actions.
本披露聲明論述採納單一管理監控模式（「單一管理監控」）於星展銀行提供的 IDEAL 服務進行交易之性質和風險。透過 IDEAL 進行的交易（FX Online除外）一律預設為採納雙重管理監控（「雙重管理監控」）以確保不會由於任何一名人士能夠同時經手及批核交易而發生欺詐行為。

Dual Management Control is a procedure whereby the active involvement of two or more people is required to complete a specified process. This involves having a person responsible for creating the transaction and another individual of higher authority to approve the transaction in the system.
在雙重管理監控的程序規定下，必須由兩名或以上人士參與完成特定項目，由一人負責在系統訂立交易，而另一名具有較高權力的人士則負責批核易。

Dual Management Control is one of the foundations of Information Security as it is based upon the premise that, for a breach to be committed, then both parties would need to be in collusion and, because one should always alternate the pairs of people, it would require a much greater level of corruption in order to breach Dual Management Control procedures; especially if such procedures require nested Dual Management Control access, such that (say) 2 pairs of people are required to enable access.
雙重管理監控是資訊保安的一個基礎環節，建基於一個前提 : 越軌行為只有在有關雙方串謀的情況下方會成事，而由於公司理應經常調動負責人士，因此必須有多名人士串謀方能逾越雙重控制程序，如採用並聯式雙重管理監控程序（例如需要兩個負責組合參與方可完成交易）則尤甚。

Single Management Control is a procedure whereby only one person is required to complete a specified process. Thus, compared to Dual Management Control, Single Management Control for transactions may incur higher risks.
在單一管理監控的程序規定下，僅需一名人士即可完成特定項目。因此，與雙重管理監控交易比較，單一管理監控交易的風險較高。

In respect of the FX Online service, only Single Management Control will be available. If you have selected the FX Online service in section 1 above, please read carefully the risk disclosure on Single Management Control mentioned above with respect to the risk of using the FX Online service.
FX Online 服務將只提供單一管理監控。如果貴公司在本表格第 1 項選擇了 FX Online 服務，請仔細閱讀以上有關單一管理監控之風險披露以了解使用 FX Online 服務之風險。

Important Notes of Customer Self Administrators 客戶自助管理員的重要事項

Given the wide powers conferred on the Customer Self Administrators, Customer Self Administrators should be persons within the organisation with sufficient executive power and authority to take on the role and the organisation is responsible for ensuring that it has appropriate and adequate internal controls procedures and security measures in place to prevent any fraud, abuse or unauthorized acts / omissions by Customer Self Administrators.
鑑於授予客戶自助管理員的廣泛權力，客戶自助管理員應該是公司內部具有足夠行政權力及職權承擔職責的人員，及公司有責任確保其擁有適當及充足的內部監控程序及安全措施，以防止客戶自助管理員進行任何欺詐、濫用或未經授權的行為 / 疏忽。

For security reasons, at least 2 Customer Self Administrators must be appointed, and any action initiated by one Customer Self Administrator must be approved by at least one other Customer Self Administrator.
因此，基於保安理由，必須委派至少兩名客戶自助管理員，並且由一名客戶自助管理員建立的任何行動必須經由至少另一名客戶自助管理員的批核。

1. Customer Self Administrator cannot act alone to add / modify any setup.
   客戶自助管理員不能獨自新增或修改任何設定。
    
2. Dual Control is always required for any actions performed. It is mandatory to provide a valid mobile number and submit a Certified True Copy of ID / passport & residential proof for all Customer Self Administrators together with this application.
   任何行動必須於雙重管理監控下進行。必須提供有效的流動電話號碼及連同此表格一併提交所有客戶自助管理員之已認證核實的身份及住址證明文件。