英语翻译+ALTHOUGH TRADE TERM IS 'FOB YANTIAN,CHINA',BILLS OF LAD

英语翻译
+ALTHOUGH TRADE TERM IS 'FOB YANTIAN,CHINA',BILLS OF LADING
MUST BE MARKED 'FREIGHT PAYABLE AT HONG KONG' OR 'FREIGHT
COLLECT AT HONG KONG'.THE RELATIVE CHARGES ARE TO BE SETTLED
BETWEEN APPLICANT AND BENEFICIARY DIRECTLY OUTSIDE THIS CREDIT
AND THE DC ISSUING BANK DOES NOT GUARANTEE SUCH PAYMENT.
+A HKD550.00 OR EQUIVALENT PLUS ALL RELATIVE CABLE CHARGES WILL
BE DEDUCTED FROM THE REIMBURSEMENT CLAIM FOR EACH PRESENTATION
OF DISCREPANT DOCUMENTS UNDER THIS DOCUMENTARY CREDIT.
NOTWITHSTANDING ANY INSTRUCTIONS TO THE CONTRARY,THESE CHARGES
SHALL BE FOR ACCOUNT OF BENEFICIARY.
+IF DC IS OVERDRAWN AND SUCH A DISCREPANCY IS ACCEPTED BY
APPLICANT AND DC ISSUING BANK,DC OVERDRAWN COMMISSION AT 1/4 PCT
(MIN.HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF BENEFICIARY
AND WILL BE DEDUCTED FROM THE PROCEEDS AT TIME OF REIMBURSEMENT
+IF DC IS EXPIRED AND SUCH A DISCREPANCY IS ACCEPTED BY
APPLICANT AND DC ISSUING BANK.DC EXPIRED COMMISSION AT 1/4 PCT
PER 6 MONTHS (MIN.HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF
BENEFICIARY AND WILL BE DEDUCTED FROM PROCEEDS AT TIME OF
REIMBURSEMENT
这些条款在实际操作中是不是对BENEFICIAY不利呢?可不可以去掉!
翻译大概明白了 但本人是菜鸟 能不能具体解释一下第一条怎么不利呢?第二条是不是每个不符点都要扣钱呢?第三点第四点里面的那个百分比又是个什么样的概念呢?汇丰银行的开的信用证都是这样晦涩难懂吗?

你这应该是汇丰银行开出的信用证,翻译如下,内容你自己把握：
　　+ALTHOUGH TRADE TERM IS 'FOB YANTIAN,CHINA', BILLS OF LADING MUST BE MARKED 'FREIGHT PAYABLE AT HONG KONG' OR 'FREIGHT COLLECT AT HONG KONG'. THE RELATIVE CHARGES ARE TO BE SETTLED BETWEEN APPLICANT AND BENEFICIARY DIRECTLY OUTSIDE THIS CREDIT AND THE DC ISSUING BANK DOES NOT GUARANTEE SUCH PAYMENT.
　　尽管贸易术语是FOB中国烟台,提单须注明“FREIGHT PAYABLE AT HONG KONG”（运费在香港支付）或“'FREIGHT COLLECT AT HONG KONG”（运费在香港托收）,相关费用由开证申请人与受益人直接在证外结算,开证行不保证此项费用的支付.
　　+A HKD550.00 OR EQUIVALENT PLUS ALL RELATIVE CABLE CHARGES WILL BE DEDUCTED FROM THE REIMBURSEMENT CLAIM FOR EACH PRESENTATION OF DISCREPANT DOCUMENTS UNDER THIS DOCUMENTARY CREDIT. NOTWITHSTANDING ANY INSTRUCTIONS TO THE CONTRARY, THESE CHARGES SHALL BE FOR ACCOUNT OF BENEFICIARY.
　　每次提交的单据如果含有不符点,将会在偿付时扣减550港元的不符点费及相关的电讯费用,不管是否有相反指示,这项费用须由受益人支付.
　　+IF DC IS OVERDRAWN AND SUCH A DISCREPANCY IS ACCEPTED BY APPLICANT AND DC ISSUING BANK, DC OVERDRAWN COMMISSION AT 1/4 PCT (MIN. HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF BENEFICIARY AND WILL BE DEDUCTED FROM THE PROCEEDS AT TIME OF REIMBURSEMENT
　　如果超证支款而此不符点被开证申请人与开证行接受,超支佣金将按25%收取（最低收500港元）,此费用由受益人支付,在偿付时扣减.
　　+IF DC IS EXPIRED AND SUCH A DISCREPANCY IS ACCEPTED BY APPLICANT AND DC ISSUING BANK. DC EXPIRED COMMISSION AT 1/4 PCT PER 6 MONTHS (MIN. HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF BENEFICIARY AND WILL BE DEDUCTED FROM PROCEEDS AT TIME OF REIMBURSEMENT
　　如果信用证过期而此不符点被开证申请人与开证行接受,过期佣金将按每6个月25%收取（最低收500港元）,此费用由受益人支付,在偿付时扣减.