To hold on the death of any of us any credit balance ( s ) on any account or accounts in our joint names to the order of the survivors or survivor of us without prejudice to any right you may have in respect of such balance securities etc . arising out of any lien , charge , pledge , set - off , counterclaim or otherwise whatsoever or to any step which you may deem it desirable to take in view of any claim by any person other than the survivors or survivor of us 五.于本人等中任何一人身故后，将各该联名帐户之存款，及以本人等联名存于贵行之任何证券、契据、箱匣及包裹及其内之物件，以及任何种类之财物，作为本人等生存者之有而处理之，但以无损于贵行对该等存款或证券之留置、抵押、比对、提出反要求，或其他之权益为主；贵行并得对本人等生存者以外之人士之要求采取任何贵行认为适当之步骤。
As a matter of fact , regulations in rules of evidence constitute a substantial breach of parties ’ rights of suit , which cannot be remedied only by judicial interpretation . the identification and application of new evidence , the process of evidence exchange , the regulations in complaint modification and counterclaim , and even the use of legal language and 《证据规定》的规定在实质上对当事人的诉讼权利进行了约束,而这在立法层次上并不是一个司法解释可以完成的,越位的《证据规定》在现行法律和现实之间的夹缝中艰难的生存。
“ encumbrances ” include any option , right to acquire , right of preemption , mortgage , charge , pledge , lien , hypothecation , title creation , right of set - off , counterclaim , trust arrangemnet or other security or any equity or restriction ( including any relevant restriction imposed under the relevant law “权力负担”包括期权、收购权、优先权、抵押、押记、质押、留置、押汇、所有权的产生、抵付权、反诉、信托安排或其他担保、或股权、限制（包括有关法律规定的任何有关限制。 ）
At the same time , because of the lacking of the system of collateral appealing and the system of counterclaim in the appealing procedure , it is not favorable for the protection of litigation rights and legal merits of the parties , simplification of litigation procedure and improvement of litigation efficiency 同时，缺乏当事人提起附带上诉和二审反诉的规定，不利于平等保护各方当事人诉讼权利和合法利益，也不利于简化诉讼程序，提高诉讼效率。裁判制度不完善。
