Any kind of backing out of the contract will be charged a penalty as has been stated in the penalty clause.
任何背弃合同的行为将受到惩罚,这已在处罚条款里写得很清楚了。
who is which depending on whether the customer's account is in credit or is overdrawn.
究竟谁是债务人谁是债权人,要看储户的账户是有结余还是透支。