Vt'Bank

gAN D|EU KIEN |GI.,\O DICH CHUNG Vp rvrO VA SU'DUNGTAr KHoANlHnnH'roAN cHUNG rHAcu HANG rri csrJc

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Ngoai tru'truong hop co thoa thudn l<Lrdc di hoac c6 thoa thu4n vd viOc rip dung ,;6c ,Jidu khoan. didu ki€nriOng vd nro vd su'dung tdi khoan thzunh to6n chung. Ban Dieu kidn giao dich chung nd;,, dp dung cho tAt cAc6c Kh6cfr hang dd ky vdo (i) {li6y Dd ngh! kiem Hop dong mcr vii su'dung Tdi khoan thanh toiirr chung (Apdung d6i v<vi Kh6ch hang to chu'c) hoac rii) bdt kj,vdn lran ndo khirc du'crc giao kdt gifr'a Khlich hdng vdVPBank vd vi6c TO yd sti duns tdi khc,an thanh to6n chung (sau ddy c6c tiri li6u nrSu tai muc (i) va (ii) drrocgoi chung.ld "Gi6y d€ nghl ki€m Ilop ddng"). Didu kien giao dlch.lrung ndy dugc coi ld Phu luc kh6ng trichroi cua GiAy D€ nglii kienr Hop clong da k! gifrrot cua Giiy D€ nglii kiem Hop cl6ng di k1' gifr'a Khdch hdng vd VPBank.Bang viec ky rir xdc nhdrr tren (jidy,J€ nghi kiem Ho-p dong. VPBank r

di6u khoan vd di6u ki6n sau ddy:

Didu 1. Gi:ii 'fhich Tir Ngir

i ki6m Ho-p dong. VPBank vir Kh6ch frdng cam k6t tuan thri ,;6c

l. Tdi khoin thanh to6n ("TKTT")r Ln tAt cd c6c tdi khoan tiOn gn'i khong kj,han bing \/iQr. Nam cli;nghodc ngoaitd cua Khach hdrng motzLi VPBank theo theo Gidy dd nghi ki6m FIo-p dong cld su dung ciic dichvu ngrin hang do VPBank cung cdp.

2. Tii khoin thanh to6n chung (TK'tT chung): La tdi khoan thanh to6n c6 ft nhdt hai chu the :ro l6n cirngd€ nghi vir dfi'ng t€n mcr tdi kho6n tai VPBank.

3. Khich hAng ('"KH"'): frottg Flan [rieu kiin giao dich chung niry ducrc hieu la rnot vir/hoac rar ca cdc chuth6 tham gia'fK1'T chung.

4. D4i diQn hqp phrip: Lir Dqri di6n fheo ph6p luAt ho4c Dai dien theo uy quy€'r cria Chil tiri khoan thay rnatChn Ai khoAn thuc hi6n ciic giao dich li€n quan ddn TKTT chung trong pham vi clai di6n. Ho t€n vd c6cthpng tin khric cira Dai di€n hcrp phiip ctuo-c ghi nhAn trong c6c Ci6y de nghi ki6m Ho-p d6ng, Gi6y d€ r;u'ad6i thr)ng tin TK'|T chung do Khdch hiLng l6p vd cld du'<rc x6c nhdn bo'i VPBank.

5. Dich vu thi khoin: Ld dich vu Kh6,;h hhng du'o-c su'dung tr€n 'l-Kl"f chung nhur quy ,Jinh chi tic:t tai I)i€u3 cira Bdn Di6u ki6n giao dich chung nay.

6. S6 Ou't6l ttri6u: Ld s6 ti6n t6i thi(iu trdn TKTT chung mir Kh6ch hang phai rJuy tri theo qrr1, dinh cuaVPBarrk trong tu'ng tho'i kj',

7. 56 Ou khi dung: Lri s6 ti6n Kh6ch. hdng c6 thd sil'dr;ng d6 thuc hi€n giao dich trdn'I'KTT'chung. Sd du'khA dgng duo-c xiic ctlnh bang 56 r"ii,n hiQn co tr€n TKTT chung (+) c6ng v6i U;an mLlc thdu cri trii khgan(n€u c6) (-) tril 56 ti0n bi phong ttia (-) tril 56 ti6n bitam kh6a (-) tri:'c6c khoiin phi vir nghTa vu trii chinhkh6c I'i.h6ctr hdng phai tra theo qur"et dirnh cua VPBank ho[c cua co- quan nhd nu'oc co thdm quyc\n.

8. Di6m giao dich: Ldr c6c Chi nh6nh, Phr)ng Giao dich. T'rung tdm Dich vu Khach hirngt vir czic l)u-n vi krinhdoanh kh6c c6 chfc niing giao dich t.di l<hoan theo quy dinh cua VPBank tilng tho'i kj.

9. FATCA (F'oreign Account Tax Ciomptiance Act): t-d dao ludt ve'tuAn thu thue ilo Chinh phu l{oa K!th6ng qua vdo ngdy l8l3l21t 10. Ngdy 011412016, Thoa thudn li6n Chinh phu giii';a Vi6t Nam vd Uoa Kj'vCvi6c turAn tlau FATCA ('Ihda thuAn IG,{) da du'oc ky k.lt vd chinh thrjrc c6 hi€u lr,r'c ke ti'071712016..

10. Bin Diiiu kiQn giao dich chung: Ld ban DiAu kiQn giao dich chung ve nrcr va su'dung TKI"| chungKh6ch hirng t6 ch0'c ndy. []an Di0u kir3n giao dich chung bao gOm cric didu khodn r5n dinh Co VPBa.nkcdng Lr6 d0 rip dung chung cho Khiich hang to chu'c mo vd su'dung "f KTT chung tai \/PBank. N€u Khlph

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hang l<y G;iAy de nghi ki6m Hop d()ng, Kh6ch hdng dLro-c coi nhu chdp nh6n Diiu kien giao clich chungniry.

Ciic thudt ngfr'vi6t hoa kh6c kheing dLroc griai thich trong Ban DiOu ki6n giao dich chung ndy se du'oc hidu vdgiai thich theo c6c ndi dung tuoTrg 0'ng1 trong Cidy d6 nghi ki0m Hrlr dong md Kh6cli hantrl tham gia trOn co sod6m bdo phu hrrp voi c6c quy,clinh c6 lir)n cluan c0a ph6p ludt.

Didu 2. Mo T'ni Khoin Thanh Toin Chrung

I . Theo ,truy dinh cua Llan D i€:u ki0n giao d ich chung" VPLlank vd Kh6ch hdng cirng ddng y vir th oa thu6n vdvi6c K.hdch hdng mci vd su'dung l'K1'T'chung tai VPBank. Th6ng tin vd tdi khoan duoc mo'viL chi ti6t r:acn6i dung do Kh6ch hdng dang kli dt) m6'vd st dung TKTI' chung clu'gc ghi nh6n trons Gi6y de nghi kiOmHoo ddng ,Jo Kh6ch hdng.llip vd rJ2r du'cvc xdc nhAn brri VPBank. Gi6y d€ ngh! sua d,ii thong tin va duocx6c nhdn boi VPBank. GiAl'd€ ngl-ikiem hop dong la mdt phAn khong t6clr rcri cr}a Ban Diiiu ki6n giaodich chung ndy.

2. Sau khi Kh6ch hang dd hodn thi€n cdc; thu tr;c mo'TKT'I chung theo 5,6u cau cua \/PBank. \'PBank sE

thuc hi6n nrcv TKTT chung va thdng bao vd ngdy b6t dAu hoat drSng cua tai khoan ctio Kh6ch hang.

3. SO nieu tdi khoAn. ngri1, bfl dAu hoat d,3ng cira'IKT'T chung s0 duo-c ghi nhrin rai Giiiy dd nghi ki6m l"Lop

ddng.

Didu 3. Sft Dung Tiri Khoin Thanh 'lllo:in Chung

l. TCn tdi khc'dn thanh todn chung..muc dich su'dgng, nguyen tac su'clung'fKT'f chung du'oc thuc hien theod€ nghi c0a Kh6ch hang tai Gi6y de nghi kiem hqp diing vd theo quy Clnn tqi tlArl Di€u ki€n giao dichchung niry.

2. Pham vi sri dung tdi khoAn:

a) Kh6ch hirng du'oc yeu ciiu VP[tank thuc hi€n cung f'ng c6c Dich vu tdi khoan trong pham ri S6 du khadung cta TKTT chung. C6c [)ir:h ,/U tai kho6n du'irc VPBank cung flng bao gonr: cung rrng phu'crngtiQn thanh toiin, tlrtrc hi€in dich vu thanh to6n sdc. l6nh chi. uy nhidrn chi, nho thu. uy nhiem thu.chuydn ti6n, thu hd. chi h6 vd c6c dich vu gi6 tri gia tdrrg khric do VPBanl< cung ri'ng tu'ng th<ri k!.

b) Kh6ch hdng duo-c su'dung ciic Drich vu tdi khodn khiic theo thtra thudn giu'a \/PBank vd Kh6ch hdng.

3. Tiy ttrudcvdo tilng loai hinh Dicfr vu t,ii khodn. VPIlank vd Kh6ch hdng c6 th0 ki k6t c6c t.lop c16ng, vdnbdn thoa thuAn kh6c theo quy dinh r;ua VPBank de ghi nhdn chi ti6t ve n6i dung, di€u ki6n vi. c6c v6n dekh6c li6n qr"ran toi vi€c cung cAp vir su'dung c6c Dich vu ndy.

4. Khrich hiurg cam k6t tuiin thii tiit ca c6c ydu cAu. huong din cua VPFlank khi su' CLrng'IKTT'chung. Tit cac6c chtrng tu' giao dich li€n quan t(ri I KTT chung phdi duoc.lflp hqp 16 theo cluy dinh cua p'hiip .ludt vatheo nr6u/theo quy dinh c0a VPBank. tlhong phu thu6c vao b6t ky qry dinh ndo kh6r: cua llan Dieu kiengiao dich chung nay, Kh6ch hang dSng y ring. VPBank c6 quydn tu'ch6i giao rJich, rir chdi cung c6p bAtkj,Dir:h vu tai khoan ndo cho Kl-r6ch hdng ndu Kh6ch hang kh6ng thuc hi0n theo dung 1eu cau. huo,ngd6n cira VF'Bank vdihoac chri'ng tr)'giao dich kh6ng dutrc ldp rndt c6ch ho.p lQ theo quy dinh/yeu ciu cuaVPBank r,'d theo quy'clinh cira ph6p luAt.

5. tfu ca c6c chring tu'giao dich li6n quzLn toi TKTT chung phrii ducrc l{p hqp li vd tlheo "Nguy€n tdc sudung <l6u vd chfr'ky" tai Ci6y de n1lhi ki6m Hqp d6ng. Tuy nhi6n. c6c chflng til giao dich li€'n quan c[6nvi€c sri.dung TKf'f chung sau ddy phai duo-c d6ng d6u va ky boi tirt ca cdc Chu tdi khorin tril khi trcngB6n Di€u ki6n giao dich chung nd\, ,;o quy dinh kh6c:

a) Giao dich sua doi thong tin TKI-T chung;b) Giao dich tanr kh6a l-Kl'T chung;c) Giao dich ch6m dfrr tam khoa f I(T'f chung;d) Giao dich chdm du"t phong toa TKIT chung;e) Vit c6c giao dich khric mri VPtlank xdt thdry cAn thitit phai duo-c ky boi tdt ca cac C'hu tdi khoiin d0 b,do

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2.

ddm an toirn cho c6c giilo dich li€n quan d6n TK'|T chung c0a Kh6ch hdng.

6. Kh6ch hdng co the thu'c hien cdc grao dich li€n quan toi 'fKTl- chung vd srr dung chc Dich vu tdi khoanc0a VPBarrk tai tat cd c6c Di6m gia,rr dich cua VpBank.

7. Truorrg hop 'IK'fT chung cua Kh6ch hdng ld tdi khoan ngoai t6, tdi khodn chuy€n Cung (khong phai ldTKTI'th0ng thuong) thi vi€c su'drrng TKTT phdi bao ddm tLrdn thu quy dinh cua \/PBank va cua ph6pludt v,3 quan lli ngoai hoi vii ciic qu1'dinh co liOn quan khiic cua ph6p luAt Vi0t ]rJam.

Di6u 4. Duy 'Iri, Quin Lj' T'ni Khojrn 'thanh To:in Chung Vn Uy Quyiin Sri" Dung Tii Khodn Tharnh

l.

'fo6n Chung

Nguy€n t6c quAn lli l-K]"f chun6r; du'oc thu'c hien theo de nghi cua Kh6ch hiing tai Gi6y di nghi ki€mHqp ddng vdr theo quy dinh tai [:]dn Di€u kiQn giao dich chung ndy.

Khdch hirng phai dur'lri so <lu toi thieu tr0n TKT'T chung theo d0ng quy dlnh cua VPBank trong tirngthdi kj'. Truong hqrp s6 du'cdn lai trerr 'IK'|T chung nho hryn ho6c bang SO du t6i rhieu. Khdch haig :;e:

a) Kh6ng ducrc huo'ng lrii theo l2ri su6t tiAn gu'i khdng kj, han trOn sd du con lai niiy;

b) Kh6ng ducrc thuc hien cac yriu cdu rut ti€n mat. chuy€n khoan, c6c ldnh thanh to6n hoac cric giaodich tdi khoan kh6c tD'r'th6ng qua TK'|'I chung ndy;

Ti€p tyc thanh to6n ciic loai phi vd chi phi ph6t sinh trong qu6 trinh VPtsiank qudn lV TKTT cliungcho d€n khi so drr trOn TKT I chr"rng cua Khdch hang vd bang 0 (kh6ng);

Khdng ducvc su dung cdc dich vu giri tri gia tang kh6c cho I'K'IT ndy tfreo qury dinh c0a VPIlanktrong tilng thoi kj,.

Qudn ly -IKTT chung:

a) l(h6ch hirng cci trdch nhiern trr to chiLc hach to6n, theo ddi, d6i cfrieu vo'ii s6 phu tdi khoan. sao k6giao rJich titi khorin hodc c6c chf'ng til tai khoan kh6c, quan ty c6c giao ,Cich tr€n TKT1 chung vdthdng b6o ngay vtii VPBank khi ph6t hiOn th6y c6 sai s6t, nhAm l5n trdn TKI-I'chung hoac c6 d6uhi6u '|KTT chung bi. loi dung gAy dnh huong dtin quy6n vri lo-i fch hop ph6p c0a Kh6ch hirng theodfng quy dinh tai Di0u l I Barr Di6u kiOn giao dich chung nay.

l(h6ch hdng c(r trrich nhiem luu giir c6c chi'ng til giao dich voi VPBank nhirn muc dic,h d6i chi0ukhi ciin thi6t. VPUank chr gid quyet ddi vrri cdc khieu nai. tra so6t mir Kh6ch friing xuAt trinh ilirocc6c chung tu'giao dich v6'i VI'Bank cdn nguydn ven; kh6ng bi rdch nrit; khdng bi tAy x(ra. su'a ctrfr'an6i dr.rng trdn ch[r'ng tir vir trong thcri han khieu nai hqp l9 theo quy dinh tai Diiiu t I Ban DiCu kiengiao dich chung nhl'.

l(h6ch hdng phiii chiu trdch nhiim ve nhfr'ng thiOt hai do Kh6ch hdng c6 sai s6t trong giao dich

c)

d)

b)

c)'fKl-lf chung ho[c 'fKl-l- churrg cira Kh6ch hdng bi loi dung, lu'a dAo do l6i cua Khach hring.

d) 'fai thro'i di6m rno T'KT"f, Kll6,;h hdng c6 tr6ch nhiem chi rJinh Ngu'oi giao nh6n lJo-p d6ng. vin bdn.cht'ng tu'TKIT ("Ngu'o'i giao.nhan") de thu'c hi€n viec giao nh6n ho sc,. chu'ng tu'li€n quan clerr-fKl'l- cua Khiich hdng (bao 1;onr nhung kh6ng gi6'i han cdc ho so tai li€u. chring tir giao dich. sosidc, l,inh chi, uy nhierrr. chi. rLhry thu. 0y nhi€rn thu. chuy6n ti6n......) vii c6 tlre tha-y ,Jiri/bo sung)'lguoi giao nh6n hop d6ng. vrin ban. ch['ng til'TKTT nd1, trong qu6 trinh su dung TKTl-. VPBaLnkdu'gc mi6n tril'tr6ch nhiQm trong moi tru'ong hop n0u KFI ch4rn tr6 trong,vi€c ddng kylc|tlt nhdt s;ua<tOilUt; sung thdng tin vi Ngtroi giao nhdn v6'i VPIlank.){gu'oi giao nhAn khi d€n thu'c hi6n tai VPBankcAn xu6ttrinh gidry tochu'ng minh nhAn thAn (Chf'ngrninh nhdn d6n/tJi) chitiu/ TIre cdn cutic c6ng dAn con thcri hqn dd ddng kli v6'i \/PBank) vd van Lran

chri'ng minh dd cluoc Kh6ch hring chi dinh. Kh6ch hang cam k€t cdc noi dung. c:hfr' ky. con dAu trdnc6c hr) s<r". ch['ng ru do Ngu'o'i giao nhdn cho VPI]ank lir chinh xiic, chAn thu'c, hop td vd <I[ng chri.ky. con ddu cira cdp cr5 th6m ,1uy'en (Ngurri dai diQn hop ph6p. Kei todn tru'ong/nguo'i phq tr6ch k0to6n, ngu'di du'oc 0y quy€n bdi Ke to6n truong/phu trach k6 to6n) vd rni6n lril trech nhi6m c:ta

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'y'PBzrnk trong moi tru'ong hop VPBank dd thp'c hi€n ciic giao dich li6n quan cl0n TKT-| tr6n co sty

c6c hri s<r. chf'ng tu'do Nguiri giart nhdn cung cdp.'fru<xtg horl giao nhAn hd so theo phu'o-ng thri'c kh6c sd thu'c hi6n theo quy dinh crua VPBank trong;tu'ng thcri k1r.

4. Tai thoi di6m mo'Ik.'tT chung rd trong qu6 trinh s0'dung'IKT'f chung. Clhti tdi khoa.n. Ke to6ntruon51,,t\gtroi php tr6ch k€ to6n cria Khrach hdng (n6u c6) co the uy quydn cho nrguoi kh6c su',Jung TKITchung. ViQc ny.quy:tn sCI'dung TKTT chung phai: (i) duoc l6p thanh vdn bdn; (ii) phir ho-p vdi ngu1,0n t6cghi nhAn t4i Gid1, d0 ngh! kiOm Flcrp d,)ng va liii.l thuc hiOn theo thu tuc. qury clinh do VPBank quy dinhtu'ng thoi k|.

Di6u 5. Lei, ['hi V]r Cfc Chi Phi Li6rr Qruan Tfi Vi6c Md Vn Sri'Dqng Tii Khoin l'hranh To:in Chung

l. Ldi su6t: S,5 du tr6n T'K1-T'chung cua Kh6ch hdng (voi di€u kign s5 du'ndy phrii lon hon Sd du't6i tnieutheo quy d;inh cia VPl3ank) ducrc I'ru'crng lii. sudt ti€n gu'i kh6ng kj, han. MLl'c lLdi sulit tien grri kh6ng kj,han do VPllank lin clinh, cerng b6 va ni0m vOt c6ng khai trdn rn,ebsite va c6c Ditim giao dich cua VPBzLnktrong tu'ng thdi kj,. Milc lai su6t ndy c<i thd duo*c diAu chinh trdn co so ydu t6 thi trucyng va theo ngu1,€rrtac khong vu'o1 nt['c ldi suirt toi da tierr gu'i khong k] han theo qu_r dinh cua Ngdn h)ng Nha nu'oc trongtilng thoi trj,. Tai thoi di€nr didu chinh muc ldi sudt VPBank se gu'i thdng b,6o cho Khrich hdng theophuongthf'c ducrc quy dinh tai Ban Diiru kien giao dich chung nay. Lai sudt rip clung trong ciic trudng hgps6 du ti€n gui tren l'K'lT chung c0a Kh6ch hang b! tarn kh6a. phong toa hodc ky quy cho cic muc dlchnhdt dinh dugc thu'c hi6n theo qu'v Jinh cua VP[]ank hoic theo thoa thudn gifi'a VPEiank va l(hiich hdLng(n6u c6).

2. Phuong phrip tfnh lai tiCn gui khong k! han:a) Yriu td tinh liri:

(i) l'hcri han tinh l6i: I)u'oc x6r: dinh tu ngay VPBank nhdn khoan ti6n gu'i d€n htlt ngdy, l;dn kd tru'dcngdy VPBank thanh to6n fr€t l<hoan ti6n gu'i (t(nh ngdy dAu, bo ngdy cu6i ctia thoi han tfnh liii).

A , { , .1 i,. :.l-hoi di€m xac dinh sd du'c[0 tinh l6i ld cudi m6i ngiry trons thdi han tfnh ldi.(ii) Se' du thuc t€: La s6 du cuoi ngdy tfnh l6i cua s6 du'tidn gu'i md VPBank phai tra cho Khlrch

h4ng dugc s0: dung dC tinh lii theo.thoa thudn tgi Bdn t)ie\u kiQn giao dich chung nziy.(iii) Se, ngdy duy tri s6 du'thuc t6: Ld sd ngdy md sd du thuc t0 cuoi mdi ngiry khong thay di)i.(iv) Lai sudt tinh l5i lii rnu'c lai suiit quy dinh tai khoirn I Di€u ndy, duoc tinh ttreo t! ld 9'olndm (,16i

su6t nam); m6,t nirn lir ba tldm s6u muoi lam ngdr,.b) Cr)ng thri'c tinh lai: OOi vOi miSi khoan tiAn gu'i, tienlai du'o-c tinh theo c6ng rhu'c s,au:

tso tiiin lai ==I (Sr) du thuc t6 x so ngay duy tri so du thuc t6 x Ldi r;u6t tfnh l6i)

365c) Orii v6i m6i khoarr tidn gui. lrrrd'ng hop thcri han tfnh tu' khi VPBank nhdn tid,n gu'i cldrr khi Khdch

hdng nlLt ti€n gu'i ld dudi mot rrgdy. C6c []€n thoa thuAn rang. thcri han tinh l2ii vd so ngd1, duy tri sd drrthrrc td d€ tinh ldi clu'oc xirc dinh lir 0l (mdt) ngdy. s6 du thuc tri dirng de tinh lai la so drr cuoi trglay

trong tlloi han tinl^ lai. DC ldnr 16. C6c Ben th6ng nh6t rang trudng hgp Khach )hdng -uui ti6n vri rirtlu,)n 11ent cung ngiry larn.vi€c tri khong phdt sinh tien ldi trA cho Kh6ch hdr:rg.

3. Quy ddi ldi sudt: Cric l[]6n th6ng nfrdt rdng m[r'c ldi suAt tfnh l6i nOu tai Khoan I Di0u na1, bing voi i:6cmri'c ltii su6t ndm tuon,{ u'n-q theo phuong ph6p tinh l6i su'dung: 'fhoi han tfnh lii duoc x6c dinh tir ng;dyti6p. theo lq?{ nhal

.kf o.an tidn g|ri C9n ne1 ngiry thanh to6n hOt khoan tiAn gili (bo rngdy dAu, tfnh ng;dy

cu6i cria th,ri han tfnh ldi) r,d so du'd0 r:inh l6i ld sd du dAu ngrly tfnh lai. De ldrn r5,,,,i6c quy d6i l6i srr6ttheo quy dlnh tai Kltoitn nirl chr nhim muc dich minh bach lli suat rna khong. dp dung de tinh ldi rl'eophuong phdp tfnh ldi cluy d!nh t4i l(hoan 2 t)idu ndy.

4. C6c loai phi li6n quan,len |KTT chung bao gom nhu'ng khdng gi6'i han: ph( qurin l!. phi giao dich vd c6:c

khodn phf li6n quan kLr6c thuc hie:'n theo bieu phi do VPBank c6ng b6 vd ni6m y6t cOng khai trong tirngthoi k;r hodc theo c6c thoa thuAn cu thd giii'a VPBank vd Khrich hang (neu co).'[rong t.ruo'ng hrp I]ieu phidich vu Tai khoan c<i su thal'<Jdi, !PBank sd niem y6t c0ng khai trdn website chfnh thu'c vir/ho4c tai c6c

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't !t

diem giao dich cua VPBank. Bi6u phi dich vu m6i duoc 6p dung ke tu' ngay VPBank th6ng b6o, Khdchhirng,:o trdch nhiem tl'ranh rodn dril du rheo Bidu phimdi cho VpBank.

5. Phi, Chi phi lien quan tcri clic Dich vu tdi khoan ri0ng r€ cua VPBank (ndu c6) duor: thu'c hi€n theo rluydinh r,€ Dich vu tiri kh,r6n cua VPBank tu'ng thoi kj,.

Di6u 6. r3hri D6ng Trich Nq vh MiSn Trt Nghia Vu

l. Chu cl6ng trfch no- 1'K1'T chung: Khdrrg phu thuoc viro bdrt k-'i' quy clinh nao cua Ban Didu ki,3n giao dichchung; ndy, Kh6ch hdng vd VPtlank d,5ng 1i thoa thudn ring, VPBank c6 quydn chir d6ng trichlidn lghiNq) tir TK'II'chung cua Khiich hiing trong c6c truong ho-p sau:

a) D,i thu c6c khoan ti6n md tdt cd Cl6c B€n hoac b6t kj, B6n ndo thuoc Khricli himg co nghTa vu th:rnhtodn cho VPIlank bao gdm nhung khfrng gi6'i han: cric khoan no- d6n han. no quii han, ncr ldi. ldi qurihan, c6c khoan phi dich vu, cac khoan ti6n phat do chi trd vu'ot qua s6 du'tdi kho6n ti6n gu'i hodc cio r,,i

pham quy dinh chi trd vii ciic rrghTa vu tdi chinh kh6c cua Kh6ch hang v6'i VlPBank:;

Dri thuc hi6n c6c rrghTa vu tdi chinh cua t6t citCitc Ben hoic b6t kj'B€n niio thuoc Kh6ch hdng theoquy dirrh, quyOt dinh cua co quan Nhd nu'crc c6 thdm quyen;

Oe.di0u chinh c6c giao dich/khoan muc bi hqch toirn sai, hach to6n nhAm, hach to6n khong dung banch6t theo nhAn dinh cira VPBarrk frodc kh6ng phir hop voi muc dich su' dung 1-l.i.TT chung theo quydinh ptr6p ludt:

Dt! chi tra cho c6c khotin thanh to6n thucmg xuy€n. dinh ki cho b6n thf' ba theo thoa thuAn bdng ,,,6n

ban gifi'a Khdch hring vr5'i VPBarrrk:

e) Khi V['Bank ph61 hi6n cl6 ghi rJ6 (tang s6 du'tdi khoan) nhdm vao tdri khoan cria Kh6ch hdng hodctheo y0u c6u h[ry lr3nh chuydn 136 cua to chu'c cung r1ng dich vu thanh tohn chury0n tidn do td chuccung ['ng dich vu chuy€irr ti€n p.in ti€n phat hien thAy c6 sai s6t so vri'i l6nh thanh to6n cira nguoi chuy6n tier:L;eurrB urrE \rrrrr vu lrruJC;t! tlsll Pllat lllsll tlla) UU 5Al 5()1 S(J VUI lelln lnann t0an CUa ngUOl CnUygn tlgft;

Kh.i cric giao dich.thanh to6n bi c6c co quan. to chu'c trong nu6'c c6 thAm quydn, cac co quan. 10 chu.cquOc tti vd/hodc b6t kj,qudc gia ndo tich thu hoac ni€m phong hoic tam du'ng thrrc hiOn 1;iao <Jich doc6 li6n quan d6n cric cii nhdn, t0 c.l-r[r'c. qudc gia hoqrc ving l6nh th6 bi cAm vdn/tru'ng pha,t. tdi pham,khung b6, tdi trcr khung b6. rura ti6n, hoac thuQc d6i tu'o. ng bi 6p dung l6nh toa an. qrjet'Oinh crha coquan c(r thAm quyOn tai nu't!c ngoai hoac vi bdt ky"llr do ndo kh6c vd VPtlank nhqrn du'qr.c y€u cAu rrichno'TKI'T chung cua Khrich han13 tir c6c ccr quan. tO chu'c n6u tr€n.

g) Cdc truong hcrp khac theo qu1 ctinh cua ph6p lu4t hodc theo thda thu6n giii'a VPBank vo'i Kh6ch hirngkh6ng trrii voi quy dinh cua ph6p luqt hi€n hdnh.

2. Mi6n r:ru nghTa vu: Cric B€n ,J6ng y rdng, VPBank du'<rc mi6n tril tr6ch nhiOm dfri voi Khdch h)ng vd/hoactru6'c ph6p luAt trong chc trurrng hql sau d6y:

a) ClLc gia"o dich TKI'T chung bii ch{rn tr6, thAt tqc. sai s6t hoac khdng th6 thLrc hi€rn duoc do c6c su c6vd cdng ngh6. duorg tluy0n. do vi€c cung ilng dich vu cua b€n thu ba hoiic do c6c su' k.i0n b6t llhrikhrlng khac ndm ng,odi kha nang kie'm sodt cua VPBank hoac kh6ng phai do l5i cua VPFlarrk;

b) 'I|':TT chung c0a l,'hiich hdngr bi ltri dung do Kh6ch hdng der lo thong tin tdi khoan hodr: do cric I5ikh6c cita Kh6ch harns:

Mr)t trc'ng c6c chu th6 tharn gia'ft(TT chung vd/hoac nhfr'rrg nguoi c6 thArn qu1,dn giao dich TKTTchung cua Kh6ch hiing sir dung TKTT chung khdng dirng muc dfch hoac c6 hirnh vi gian lAn. gia nraotrong vi0c su'dung IKT''| chung;

D(ri vdi c6c giag dich thu'c hien bing phu'ong ti6n di6n t0', thier hai co th€ xay ra do Khdch hdng v0tinh hoiic c5 i'Oe lc, chir ky di6n tr}'. t6n giao dich. mdt khAu giao dich din d6rn bi kr) gian lo-i dung;

Mr)t va,"hodc c6c chfi thO.tham g a -lKT'-f

chung bi ton hai vi uy tfn, hinh anlr, tdi san trong truong hqpVf'Banl< ngilng hoirc chdrn dirr vi€c su dung TKT'T chung cira Kh6ch hang;

b)

c)

d)

c)

d)

e)

MB01F.QD-cc'tC/37

f) Ciic tru'ong hop khlic theo quy dlinh cOa ph6p lu4t va thoa thudn gifi'a VPUank vd l.i.h6ch hdng.

Di6u 7. Tam Kh6a, Phong I'6a vi Dring Thi Khodn Thanh Torln Chung

l. Tam l.rh6a TKTT chung:

a) C:ic trudng hop tam khoa TK'f I chung: VPBank vd Kh6ch hdng thoa thugn rang. VPBank c6 qu,ydntarn kh6a 1'KT1' chung (tam drrng giao d!ch) mQt phAn hobc todn b0 s6 tidn tr0n 'IK'fl- chung ,3uir

Kh6ch hdrng trong c6c tnucrng h6rp sau ddy:

(i). Khi c6 ydu cdu bang vdn ban tdt cd c6c Chu tdidrroc l6p theo miiu hoac d6p 0lrg cilc y€u cAu

VPBank;

Khi VPBank. nghi ngo c6 su nhAm lin, sai s6t trong viOc thu'c hi6n chc giao dich li0n quan rl6nTKI'l'chung;

Khi co tranh ch6p li6n qr,rarr dtlrr TKTT cnung;

Khi mQt trong c6c chu the tham gia TKTT chung vi pham mot trong c6c quy dinh li3n quan r16nchrinh s6ch duy tri. quAn Iy TKTT theo quy dinh cua VPBank;

Khi mQt trong c6c chu th€ theLm gia TKTT chung d6n han thu'c hi€n b6t ki, nghia vu thanh to6nn?ro d6i voi VPBank nhu'ng m,3t trong c6c chu the d6 chua thuc hi6n:

Khi m6t trong c6c chLr thO tharn gia'f KTT chung ph6t sinh no- qu6 han tai \/F,Bank:

Khi VPllank ph6t hi€rr cti rldu hieu gian l6n, vi pham ph6p tuAt li6n quan d6n '|KTT chung;

Trong c6c trucrng lrop md VPBank thdy ld cAn thi6t clO bao dam an tr:rdn cho TK-fl- chung r:uaKtr6ch hdng v:Vhoac bao diim cho vi6c thu'c hien nghla vu cua Khach h,ang drii voi Vf,flank;

Klhi mdt trong ciic chu th€ tham gia TKTT chung vi pham m6t trong c6c diAu khoan tlieo thoathu4n t4i Ban Di0u kiOn gir,ro clich chung nay. theo Gidy de nghi kiem hcrp ddng hodc theo bdt kj'[{op d6ng, thoa thuAn niro l<y }iet giD'a VPBank vd Khach hdrng;

Khi VPllank nhdn du'o-c van ban d€ nghi.tam kh6a TK'fT chung til phia n6i b6 cia mdt trong r:6c

chu thd tham gia TKI'I' ,i:hung (bao g6m.nhu'ng khong gi6i han: Dai hoi ddng co OOnglC6dtrng/H0i d6ng Qutin tri/Thdnh vien HQi dong Quan tri/floi dong l'hanh rien/Thdrrh vi6n tldidong Thdnh viOn/fdng Gidm d6c/Ch0 tich Cdng tylThdnh vi6n gop von.......:Khi VPBank nhin iluoc virn ttanltdi li6u/thong bdoiyeu ciu til phia c6i: co- quan. c6 nhdn n€u taimuc x khoan ndy md dua tr6rr c6c vdn ban/tdi liQu/th6ng b6o/y€u cau ,Jo \/P[lank Cirnh gi6 c6tranh ch6p/bAt ddng/rnAu thu6n xa)' ra trong ndi bd cua m6t trong cdr-' chu thd thanr gia 1'KTT'chung li0n quan d6n vi6c sil'dung IKTT'chung;

Cdc trucrng hcrp khZic thc'o Ho'p dong nay holc theo c6c vdn ban thoa thurin kh6c (n6u co) giiraVlPBank vd Kh6ch hdng vd theo quy dinh cua ph6p lurir.

b) VPBank c6 quy0n tu'ch6i y€u ciiu tam kh6a cr"ra c6c Clht tdi khoan khi mQt trong r:6c chu th€ tliani gia'II'ITT r:hung chua hodn thdnh rLghTa vu thanh to6n theo quy6t ctinh cu'd'ng che cua co quern nha nurdcc6 thAnr quy€n hof,c chLra thanh toiirr xong c6c khoan ncr phdi trri cho VPElank hodi: chua thuc hiQn ctAy

d0 cric nghia vu li€n quan d6n l'Kl"f chung hodc ciic truong hop khdc theo quy clinh c0a VPBank vac0a phdp ludt,

c) Vi0c ng;ilng tam kh6a mot phdn hoac toan bo s5 tic\n trdn 'l-Kl''f chung vd vi€c xu' ly c6c [6nh thzLnhtodn di. dL{n trong thtri gian ternr kl"roa thu'c hi€n theo y€u cau cua Clhu tai l<hodn doi vtyi tru'crng hoptarn kh<!a quy dinh t4i ti6t (i). diem a, khodn l, Didu ndy. D5i vili cdc truong hgp tqm khoa kh6c, viQcngung.lam khoa sE du'crc VPBank thuc hiQn theo quy6t dinh cira co quan c6 thArn quyi,n hoac su' ki6ndAn ddn tam kh6a'fdi khoan dil bi chdrm drit theo danh gia cua VPBank;

khoan.). ^.ve norV[n brin cf€ nghi cua Kh6ch hdng phAidung vd hinh thiic, theo qrn' dinh ,:ira

(iii).

(iv).

(v).

(vi).

(vii).

(viii).

(ix).

(x).

(xi).

MBOlF.QO-GGTCBT

it\

d)

e)

S,5 tiOn bi t4m kh6a ducrc biitr todn vd kiem sodt chat ch6 theo ndi dung tzrm kh6a vir huo'ng ldi :;udt.).

ti,:n g0'i khong kj' han theo quy dinh cua VPBank. Truong hop tai khodn bii tam l<h6a rnOt phAn thi s6ti,in khdng bi tarn kh6a r,An ducrc su'dung binh thu'img.,,).Ho scv, thLt tuc lien quan den tarn khoa. chAm drit tam kh6a TKi'T chung duoc thr;rc hi€n theo quy c[inhcua VPBank trong tilng thoi kj,

2. Phonlg toa TKTTchung:

a) C6c trtrcrng hoo phong.lda TKI'T c'hung: VPBank v?r Khdclr harrg dong,v ring VPBank co quydn thuchi€n phong toa rnot phiirr hodc todn, bd s6 tien tr0n 'IKTT chung cua Kh6ch hdng trong c6r: tru:crng tho-p

setu:

VPBank nhlln durrc 5,6u c'iiu phong toa tiri khtlan bing varr ban cua ccr quan co thAnr quydn theoquy dinh cia ph6p ludt;

VPBank ph6t hi6n thdy c,5.nhAm l6n, sai s6t khi ghi C6 nhAm vdo T'KT'T'chung cua KH hodctl'reo y€u cAu hodn tra lai rien cua to chLlc cung [r'ng dich vr; thanh todLn chu1,[n ti€n do cir nhamlAn, sai s6t so v6i l6nli tharrh to6n cira ngu'oi chulen tiein;

C6 thdng bdo bing r,5n bdn cua m6t trong c6c Chn tdi khoan vd vi€rc phrit sinh tranh chAp vdTKTI-chung gi0'a cric ctr0 TK.TT'chung.

b) Sau khi thuc hi6n phong toa tiii khodn. VPBank sE th6ng b6o cho Kh6ch hdng bi€r: ve l1; do va phanr viphong toa'fKT-f chung theo czrc hinh thLi'c bao gom nhu'ng khdng gi6i han nhu': thdng bao bang vdnban, ernail tcri dla chi Khach hirng dd dAng ky v6'i VPBank tai GidLy d€ nghi ki6rn Ho-p ddng/tai t{qpd6ng ndry hodc qua c6c hinh thri'c khac theo quy dinh cia VPllank. Tuy nhi0n, vi6c Kh6ch hdng ctinh6n cluo-c hay khong nh6n du<rc th6ng b6o tu'VPBank s0 khong anh hucrng tcri vi6c VPBank ph,3ngtoa TKTT cua Kh6ch hdrrg.

c) Truong hop phong toa tiri khorin theo quy dinh t4i ti€t 1ii), di6m a khoan 2 Di,5u ndy tri s6 ti0n biphong toa trdn 1'Kl-1- chung khr)ng vuor qu6 sd tiOn bi nhAm l6n. sai s6t.

d) 56 tiAn bi phong toa trOn l'Kl'l' chung cira Khrich hdng du<rc VPBank bdo rroan va ki€m sodt chat ch€theo nQi dung phong t<ia. 'fru<ng

ho-p tdi khoan bi phong toa mot phdn thi phan khong tri phone toavfin du'oc st dung binh thuong.

e) VPBank s€ ch6m dul phong toa l-K.-fT'chung cua Khrich hang trong c6c rru<rng hcrp sau:

ti) Kdt thric thoi han phong tca T'KT'T:(ii) C6vinbanveucliuc0acc'quancothdmquydnvevieicchrimdLi'tphongtoal'KT-l-:(iii) VPBank da xu ly xong sai s6t. nhAm l5n vd chuy,0n tidn;(iv) C6 th6ng brir: bing van Lrdn cua t6t cir citc ch0 TKTT chung vd vi0c tra,nh chiip 'IK'IT' chung gifr'a

clrc chu TKI'I'chung dd drroc giai quy6t.

0 H,5 so, th0 tuc li€n quan d6n prhong toa TKT'I chung (n€u c6). chdLm dil"t phong toa'f Kl-T crhung (rr€usi,) duoc thuc hi6n theo qLry dinh cria VPBank trong tu'ng thoi kj,.

3. D6ng TKTT chung:

a) TI(TT chung c0a Kh6ch hdng c,i the bi dong trong nhD'ng trucrng hop sau:

Khrich hdng c6 vdn bdn d0 nghi VPBank d6ng TKTT chung vd Khach hdng cld thuc hi6n ddy duc6c nghTa vu li6n quan den IKfT chung, dd hohn thirnh thu tuc d6ng tdi khozin theo quy,dinh ;0aVPBank. Van bdn de Irghi clong tai khoan cua Kh6ch hdng phai du'oc tlip theo mAu hrt[c diip irngc6c ydu cAu ui, rr6i dung vii hinh thu'c theo quy dinh cua VPdank:

(ii) MOt trong c6c chi th0 thar.n gia TK-f'f chung chirm dLir hoat ddng the,r qrul,dinh cua phrip ludt:

(iii)Mdt trong ciic chu th€ tharn gia'IKTT chung vi pham nt6t trong cdc di6u kicrrr duoc thoa thuAn taiBdn Di€u kiOn giao dicl'l ohung nay hodc tai Gi6y dd nghi ki0m F{op d6ng hoZLc theo quy

MB01F.QD-GGTC/37

\A

dinh/chfnh srich vi tno va :;u'dung TKTT cua VPBank trong tlng thoi kj, hoac quy dinh c<i li0nquan c0a ph6p ludt \ri€t Nlaln;

(iv) TKTT chung c0a Kh6ch hang khong phrit sinh giao dich hoac khtrng duy rri du s6 du tOi thieutrong m6t tho'i gian nhAt ctrirrh theo quy dinh cua VPBank;

(v) C6c tru'ong h<7p kh6c theo quy dinh cira VPBank tu'ng thoi k!.b) X,u li sd du con lai sau khi d6rrg 'f K'l'T: 56 du' (sO tien) con lai sau khi d6ng 1-k.T'I s€ duo-c su'dung

dr3 thanh to6n cho c6c nghia vu tdi chfnh d6n han cira mdt rrong cdc chu thd tham gia l-K'f'f chung taiVPBank, s6 tiAn con lai chua srLj'dung h6t sE duoc VPBank: (il chi trd theo yeu c,Au cira Chu tai khoAnd,5i v6i trudng hcrp n€u tai titit .i) di6m a) Khoan i Dieu ndy; (ii) chi trA hodc xu'l;i theo quv dinh crJra

VPBank trong tlng thdi ki 1r€n co so phu hop quy dinh phap ludt doi vtii c6c tru'ong hcrp d6np; tdikho6n con lai.

c) Truong hqp Kh6ch hdng da duoc th6ng b6o md khdng d6n nhiin. todn b6 ,s6 du'con lai :;au khi cl6ngTKTT (ndu c6) s€ duoc VPBank quan lli v/r khdng du'oc hrrong ldi hoac xu'ly theo quy clinh cua ph6pluAt tirng thdi kV.

d) H6 so, thu tuc li6n quan tcri vi(:c d6ng TKTT chung vd vi€c xu'l! s5 du titln gu'i sau khi dong TK:T-fchung duoc thuc hi0n theo quy dinh cua VPBank tu'ng thoi kj'.

Didu 8. Quy0n VA Nghia VU Vn Carn K6t Ctiia Khrich Hdng

l. Khrich hang co cdc quvdn sau:

a) Sri dung TKTT chung rtrong pham vi niu tai Diiiu 3 Ban Diriu kien giao dich chung nhyl

b) Sri'dung s6 du khA dung tren TKTT chung cua minh d€ thu'c hien cdc lcrnh thanh todn hcrp ph6p. hqp16, dugc VPtlank tao moi didu tii6n d0 su'dung l-K-fT'cua nrinh theo c6ch hi0u clua va an toiin:

c) Lua chon su'dung c6c phuong ti6n thanh to6n, dich vu vd ti€n ich thanh to6n do VPBank c:ung irng;

d) Uy quvdn sir"dun.g TK'I'T chLrng tfreo quy dinh cua Ban Didu kien giao clich chung ndy. lheo Cidy denghi ki€m Hgp ddng vii quy dinh c0a VPBank;

e) Y€u ciiu VPBank thuc.hi6n ciir: l6nh thanh to6n hcrp ph6p, hqp l€ vd du'o-c cung c6p thdng tin v0 c6cgiao dich thanh to6n. s6 du'trCn TK.TT'chung theo quy dinh cua VpBank;

0 Dugc 1r6u cAu VPBank tam khira, cfong'|KTT chung khi cAn thi6t theo thcla thudn vd quy dinh tai llanDi6u kiQn giao dich chung nil':

g) Ducrc huong ldi tren s.i du' tie\n gCI'i trong TKTT chung theo thoa thuAn voi VI,Elank trong Ban Eri€uki€n giao dich chung ndy;

h) Duoc ddm bao an toan sri du'1r€'n 1'Kl'-l chung va bao m6tthtingtin li0n quiln d€rr tdi kho:in. giao ctichtdi kho6n cua Khlich hdng theo quy'dinh ph6p luat hi6n hanh vd quy,dinh cira Ban Didu kiOn giao clichctrung ndy;

i) C'ic quuydn kh6c theo cluy dinh cua Ban Dieu kien giao dich chung ndy, vdL thda thuAn bing van brilgifr'a Khrich hang v,ri VI)Bank khdng tr6i vo'i quy dinh cua ph6p ludt hien hdnh.

2. Khach hdng c6 c6c nghia vlr sau:

a) Ddm bao c6 tlu 56 du' kha dung trdrr TK'|T chung de thu'c hiOn c6c l6nh tharrh to6n d6 l6p.

b) Chiu tr6ch nhi6m vd cdc giao drch TKT'f chung dd du'<yc VPBank thu'c hi6n tren ccr so'c6c l6nh thranhto6n dr"roc VPBank x6c d!nh ki hop 16;

c) Ch6p hdnh clic quy dinh vC mr.r vd :;u'dung TKT-f chung theo quy dinh cua ph6p ludt hi6n hanh vdr quydinh cira VPIlank;

d) Thdng brio ngal'cho Di€m giao dich cua VPBank khi ph6t hi6n th6y cci sai s(rt, nhAm lin trdn tdi

MBO].F.QD-GGTC/37

!(

e)

kho6n cua minh hoac nghi ngc\'T'K1-T chung bi loi dung;

Hoirn tra hoac ph6i hop vrri \ PBank hodn tra c6c khodn tidn do sai s6t. nhArn l6n cta ghi C6 vao T'k:T'tchung:

Cung c6p vir dting kli di1 dtr. rd rang. chinh x6c c6c thong tin lien quan vd mcr vir su'dung T'k:T'tchung..Thdng b6o vir dring ky lai kip thoi vd gui cdc giay to'li6n quarr cho \/F'Bank trong vonp; 30nlgdy k€ til' khi cir su thay.dor ve thdng tin trong ho s<r mry TK'IT. 'fru'o'ng hcrp k.hdng tha)ng b6o, n6ucrl phrit sinh rui ro. tort thdt tlri Khdch hang phAi hodn toan chiu moi tr6ch nhi6m vd nhirng sai s6t hayhrinh vi loi dung, lila diro khi sf dung dich vu do l5i c0a minh hoic do kh6ng cung c6p dfng. dAy d[r"chfnh x6c. kip thoi sp'thay d,5i thiing tin; carn ket chiu moi ruri ro bao gdm ca thi0t han vd tdi chfnh,clri phr phdt sinh do rhOng tin cung cdp sai hoac khting thorrg nhAt:

g) Duy tri sd du t6i tnleu trern 'l'K'T'[ chung theo quy' dinh cua VPBank vd quy dinh tai Bhn Didu tridngiao dich chung ndy;

Chiu tn6ch nhi6m vd nhtng thiOt hai do sai s6t ho5c bi lcri dung, lil'a ddo k:hi su'dung di,;h vu 'T'k.T'f

chung do l5i cira minh;

Kh6ng duoc cho thu6, cho mu'o'n l'Kl'-f chung cua minh:

Kh6ng duoc su'dung.'I'K-t"f churrg d6 thu'c hien c6c giao dich nhAm muc dfch tr6n thu6. tr6n tr6nhnghTa vu tra no, ru'a ti6n. tiri tro khung bo. lu'a ddo, gian ldn hoac c6c hdnh vi vi pham ph6trr ludt khlLc;

Thanh torin dAy drl c6c khoan pl.ri, no, tien phat, vd c6c nghia vu tiri chfnh kl'rdc voi VPBank:

Tu6n thu ciic hudrrg dAn cua \/PElank vd vi6c ldp c6c tdnh thanh todn vdr su' dr.rng c6c phu'ong ti6nthanh t.o6n" thuc hiOn ciic giao ,Llich thanh to6n qua tai khodn, su'dung. luAn chu),en. luu trD' churrg tugiao dich, ddm bao c6c biOn phiip an todn trong thanh to6n;

m) TU quirn lyi con dAu, ciic chirng tu' c6 giri tri giao dlch tdi khodn (sec, uy nhi6m chi, gi6y nop/llnh tidnmat...) vd chiu tr6ch nhiOrn trong tru'ong hqp con ddu. chrh'ng til cir gi6 tri giao clich tai k.hoan bi mAthoac bi lcri dung. trii lieu. lto so mtv vd su'dung tdi khoan bi gia mao hodc c:6 phat sinh trtrnh ch6p v<iibdn th(i ba:

Khdng duoc cung c6p th6ng tin sai su thet u.\ TK'f I chung vd c6c giao dictr TK-IT chung cho b0n thri.ba;

Chiu cric riri ro trong truong ho"p.cric.giao dich thanh toiin bi ctic co quan. tt\ chuc trong nu'ti'c co thAnrquydn. c6c co- quan, td chCI'c qu6c t€ vd/hoac bat kj, quoc gia ndo tich thu hodc phong toa hodc tamdirng thu'c hi6n giao dich do c<i li()n quan ddn cdc cd nhan, t6 chfrc, qu6c gia hoac vungl ldnh tha; bicAm vlin/trung phat, teri pham, khrJrng b6, tdi trcr khirng b6, ru'a tidn. thuQc d5i tu'ong bi ap dung lenhtoa 6n. quytit dinh crja co quan r:6 thAm quyOn tai nudc ngoiri hoac vi bAt kj, l1! do nao kh6o;

C5 tr6ch nhiem theo dOi so du tai k.hoan vd giao dich. c6c 116o n<y. 86o c6: ctinh k!' hoac ddt xu6t nhAnsao k€. th6ng tin, giao dich tdi khoan tai VPBank. Moi thric mic. khi6u nai. tra sodt li€n quan d€ln taikhodn, giao dich tdi khoirn phtii durrc thu'c hi6n trong tho'i han quy clinh tai FIo-p dirng nar:

C5 tr6ch nhi€m cung cdp/hoan thitin dAy d0 c6c ch['ng tu'thanh todn theo yeu ciiu cua VPBank (n6uc0).

OOi vOi cdc giao cJich thu'c hien barrg phu'o-ng ti6n cli6n tu'. Khach hdng nhAn th['c diy du ,--iic rui rc, coth6 gdp phai khi str dung dich vu, cam kdt.cdc hoat tlong di6n ra do chfr'ng tu'cliOn ru'cua minh lApkhop d0ng quy dlnh vir chiu trhch nhi6m v€ nhfr'ng thiet hai c6 th6 xdy ra rlo v6 tinh hodc c5 y tt.i tO

cfLir ky diQn t0'. 1€n giao dich, rndt khAu giao dich dAn d6n bi ke gian loi dung;

Khrich hdng chiu trdch nhiOm bdo mdt OOi vO'i ciic thong tin ve Kh6ch hang, va tai khoan rai VPBa.nk.Kh6ch hdng.cam k6t tu'chiu trdch nhi€m trong trucmg hqp cdc thong tirr vd Kh6,:h hdng va th6ng tingiao dich, s6 du'tdi khoan cira Kh6ch hirng.cung cdp qua di6n thoai/email bi lo hoac rniit khdu giaodich bi loi dung qua di6n thoai/ennail vi bdt c[' ly do vd tinh hodc c6 y md khong phai do tdi cua

9

h)

i)

k)

r)

n)

o)

p)

q)

r)

s)

MBOlF.QD-GGTC/37

!'PBank:

t) K.h6ch hdng c6 nghia'vu cung cdp dAy du c6c tiri li0u. thdng tin theo yOu ,;Au cua VPBank. bao gdmnhung kh6ng gidi h4n o' ciic th0ngl tin. tiri li6u phuc vu c6ng t6c phong, ch5ng rfa tiAin theo quy dinhcria ph6p ludt vd quy dinh c0a \/PElank;

u) Kh6ch hdng c6 nghia vLr cung c6p dAy du c6c thdng tin. tai li€u theo yOu ciu cia VPBank trong tu'ngthoi k1r nhf,nr muc dich tudn thu F/\TCA.

v) Cric nghia vu kh6c theo quy dinh tai Ban Di€u kien giao dich chung ndy. Gi6y d€ nghi ki€m F{gp d6ngnr)y. quy dinh cua ph6p luiit va thoa thudn bang van ban gii'a Kh6ch hdng v<ii VPl3ank.

3. Cam ktit cria Kh6ch hdng: -l-ai

Ban Di€u ki€n giao dich chung ndv. Kh6ch hdng cam k.0r nhu sau:

a) Dai di€n cira cac chu th6 tharn gier TKI'T chung ky ktit Gi6y dA nghi ki€m Flop d6ng vd c6c vin bdnli6n qrran d6n mti vir str dung -fK-fl'chung ld nguoi dai di0n hqp pnap va co ciu thdm quy'6n ky theoquy dinh noi b6 cua Khiich hdng vA quy dinh cira ph6p lu6t;

Cl6c giao dich theo Ban Didu t.ien giao dich chung ndy vri cdc vdn ban li6n quan d6n m<r'vd su dungT'KTT chung duoc ky voi V[:'Eian[: dd du'oc phO duydt dAy dn. hqp l9 bo'i CAp c6 thAm quyin theo quydinh nQi bQ cua Kh6ch hdng v'A quy dinh cua ph6p luAt;

Trl6i dung, con dAr-r va chu k1 (bac, gorn chi'ky tnrc tiep hoqc chfr'k1i ph6 t6) clurtrc ghi nhdn trdn c6ch6 scr, chf'ng tu'cua klh6ch hdng vd do Ngu'cri giao nhdn hd so. ch0'ng tr)r'cung; cAp cho VPBank ldchinh x6c. chdrr thuc, hqp l€ vd phu hop v6'i quy dinh nQi b0 cua Kh6ch frdng r,'ir quy dinh cua ph6pludt. \/PBank khdng cr5 nghia vu xdc thuc tfnh chinh x6c, chdn thu'c, hop [6 cua cdc ndi dung, con d6uvdr chri k;i.ndy vd du'crc mi6rr 1ru'moi tr6ch nhi€m khi thuc hi6n c6c giao dich li6n quan ddn T'k.T'ttheo c6c hd so'tdi li6u. chirng trr do Ngucri giao nhAn hd so*. chLlng til cung c6p cho VPIlank.

K.H dt'ng y rncr. su'dung T'Kl I chung. thu'c hi6n du1, tri vd tudn thu c6c quy dirrh vi quan ly. su' dungT'KTT chung cua VPBank trong turng thoi k!.

e) KH d6'ng y rang. \/PBank co qrryen su'a d6i, b6 sung n6i dung cua Bdn Di€u ki0n giao dich chung ndyli6n quan d€n vi6c mcr, qudn lj vd sil dung '|KTT chung theo ydu cdu kinh doarrh cira VPBank trongtirng thoi kj', valhoac nhdm tuhn thu c6c quy d!nh cua phtip luat trong tu'ng thcri kj, hoAc tuAn thu quydinh cua FATCA, KYC tr€n cr Sd bao dam viec su'a doi. bo sung phu ho.p v6i c6c quy dinh c6 li6nquan c0a ph6p luAt. \'PBank se gri'i th6ng biio cho KH.v€ viOc su'a ddi, bO sungl Ban Dieu kien giaodich chung ndy theo phucrng thfi'c qu5 dinh" tqi Ban Didu ki€n giao dich chung ndy. KH cfucrc cci ldchdp thuAn todn b6 nhil'ng ndi dung su'a doi theo thong b6o cira VPBank n6u IKH ti6p tuc si' ,CungDtich VU sau thrii di6m VPBank thOne b6o.

0 K.H dei doc vd ducrc tu' vdn dA'r dri vi cdc dieu khoarr. dieu ki€n tai Ban Di€ubao g(;m cd citc didu khotin ','e quy€n. nghTa vu, triich nhiOm cira c6c b0n.khoAn cua Bdn Di6u ki0n giao dich chung dd bao dam su'binh dang giD'a

mo vd su'dung IKTT"g) Chiu kroan todn tr6ch nhi6m lrc,ng viQc quan Iy vd su'dung (c6c) TKTT chung cura KH theo dung quy

dinh cua ph6p lulit vd c0a VPBank.

Di6u 9. Quydn Vir Nghia Vu Cria \/['Bankl. VPBank co cdc quv0n sau:

a) Duoc chu d6ng.trich tien (ghi l',lq) tu']'KTT chung cua Khrich hdng trong nhri'ng truong ho-p quy dinhtai Khodrn l" Diiu 6 cua Ban I)i:u tii6n giao dich chung ndy.

b) Du'oc tit'ch6i thu'c hi6n c6c l6nh thanh to6n cua Khzich hdng trong nhfr'ng tru'ong hcrp sau:

(i) Kh6ch hdng kh6ng thu'c hiOn dring hoac dAy du ciic y€u cAu vO thu tuc thanh to6n" l0nh thanh to6p

b)

c)

d)

KTIKH

ki6n giao dich chung,ddng ! riing c6c cfi€u

vii VPBank trong viec

MBOlF.QD-GGTC/3710

V,

kh0ng ho'p ph6p. khr)ng hop le , khdng khop df ng voi c6c y6u tO dd clang ky tnong hd so mry 1 I,ITTchung hoac khong phir h<ru voi c6c thoa thuan gifi'a Khhch hdng v6'i VPlBank;

(ii) TKTT chung khong co du so du'kha dung hoac vuot lian mu'c th6u chi rJ€ thuc hien ciic l6nh thLanhtodn:

(iii)Khri l6nh thanh to6n c6 lr€rt quan d6n c6c c6 nhAn, t6 chflc ndm trong danh s6ch c1en, danh r;6chcdnh b6o, danh s6ch phong, ch6ng ru'a tidn. ch6ng tdi tro.'khung b5 <Jo-cdc co'quan ci, thdm quLydnban hirnh vii/hoac khuy6n nghi rlp dr,rng valhodc co ycru cAu bing vdn ban cua coquan nha nu'rrc c6thlim quvdn hoac co biing chrirrg vd vi€c l€nh thanh to6n nhimiua tidn, tdi tro kh0ng b6 theo quydinh. cua phSp ludt v€ phi\ng ch6ng ru'a tien valhoqc khi l6nh thanh to6n c6 li6n quun Oen c6c yeutd cAm vdn/tru'ng ph4t theo quy dinh cua c6c t6 ch0'c qL,6c te. qu6c gia kh6c '"'zi thdng lQ qudc t5 vdPhong ch6ng r0'a ti6n. cal"n van. tru'ng phat;

(iv) TK.T'I chung dang bi tam kh6a, bi phong toa todn b6 hoac 'f KTT chung dang bi dirng, hoqc bi tamkh,5a hoirc phong toa mot phdn ma phdn khong.bi tarl kh6a. phong toa khi)ng cO CU s6 drr (triltrudng hop duoc tl"riiu chi)ho[r: vuoJ han mirc thdu chi dd thu.c hi€n c6c ldnh thanh todn.

(\ ) TKTT chung dang co tranh chiip:

(vi)C6c truong h<rp khiic theo quy dinh cira VPIlank vd qu1'dlnh cia phiip luAt hi0n hdnh.

E'ugc rtu'ch6i yeu cAu tam kh,:izr. dring TKTT' chung cua Kh6ch hdng khi Kh6ch hirng chua hodn thdnhn;ghTa vu thanh toiin theo quy6t dinh cu'ong ch6 cila cc) quan nha nucic cti thAm qryen hodc chu'a thanhto6n xong c6c khozrn no- phdi trii cho VPBank;

Duoc rluy dinh va 6p dung c6c bi6n ph6p dam b6o an todn, brio mdt trong qr.16 trinh Khrich hdng m<r vdstr durrg TK'IT chung phu hcrp vci'i ddc thir hoat d6ng cua VP[]ank vd phu hop ,v6'i c6c cluy dinh cua

e) Du'oc 6p dung vir thu ciic loai phf, phat do Kh6ch hirng vi pham cdc quy dinh ,;ua ph6trr ludt va cuaVPBank vd su'dung tdi khorin vd quy dinh thanh toan. Ctic lo4i phf. phat vd m[rc phf phrat drroc quydrnh trong bi€u phi cua VPBanJ< 6pr dung trong tilng thoi ki;

f) Duoc sua deri chinh s:ich liOn c;1uan d€n viQc mo. quarr ly v'd su'dung TKT'| theo ydu cAu kinh doanhcria VPBank trong tu'ng tho'i ky:, vir/hoac nhdm tuan thu cac quy dinh cia plh6p luAt trong tu'ng thtri k!(Lrao g6m phSp luzlt ud Phdng. ch,5ng ru'a ti6n, ch6ng tdi trcv lnung boy ir,rac tudn thu-.uy binh.ruF,ATCA;

g) Ducrc ,:ung cAp c6c thdng tin tAi k.horin vd giao dich tdi khodn cua Khlich hdng cho b€n rhLr ba theoquy dinh cia Ph6p ludt, quytit <finhr cua co- quan nhd nu6'c co thdm quyen. thoa thudn vcri Khach hirnghodc theo quy dinh c0a I]ATC'A.;

Duoc bi tru'c6c nghTa v'u cua l(h6ch hdng tai VPBank vd xiL ly c6c tru'ongi hop kh6c theo thoa lhudngiira VPBank va Kh6ch hiing hoac theo quy dinh cua ph6p lu4t:

Duoc quy dinh ve sO au't6l thi4u. Duo'c quyOn srjra d6i, b6 sung ndi dung cua Bdn Di6u ki€n giao clichchung nay li€n quan dOn vi6c mo, quan l! vd su' dung 1-KT1- chung theo y€u cAu kinh doanh cuaVPBarrk trong tu'ng thdi ki', vri/hoic nham tuan thu c6c quy dinh cua phrip lu6.t trong tilng thcri k!hodc tuAn thil quy dinh cua FATC,A, KYC trOn co so bao clam vi6c su'a d6j. bd sung phu hgp vdi cdcquy dinh c6 li€n quan cria phrip lu:it. VPBank sE gu'i thdng b6o cho KH vd vi€c :;u'a d6i, rd sung l]dnDi€u kiQn giao dich chung ndnr lheo phutrng thri'c quy dinh t4i Ban Dieu kien giao dich chung niryl

Duoc rni6n tru trAch nhidm trong c,6c trudng hop quy clinh tai Khoan 2. Di6u 6 cura Bdn Didu ki6n gliaodich ctrung ndy:

k) Duoc cung cAp cho ciic bdn c6 thdm quydn thong tin ve dich vu TKTT chuLng, giao dich phuc vu chovi€c tra so6t, khi6u nai c:ic giao dich TKI'T'chung theo dfng quy dinh cua ph6p iurit;

l) Du'oc sit'dung cdc thong tin v(j KFI vd c6,c khodn tfn dung cia KH bao g(rm cd c6c, th6ng tin tu'c6c vdp11

MBOlF.QD-GGTCI37

c)

d)

h)

it

b6n, c6c tdi li0u do KH cung c61r; c6c htrp cl6ng, vdn ban k1i k6t girla KH va VPllank de cung c6p c,hoc6r: dcm vi c6 ch['c nlng cung <,:dp dich vu thong tin tfn dung vd/ho4c d6nh gi6 tfn nhi€nr hoat cle nghqp phdp t4i Vi0t Nam, hodc c,rng c6p cho c6c co quan ctr thAm quydn y€'u cAu cung cfLp thdng tintheo quy dinh cua ph6p ludt h,:riic cung cdp cho cdc doi tdc lien quan co hop tdc voi VPBank d€ ph6ttri,3n, cung c6p hofc li0n quan diln r iQc cung cdp cdc san pham, clich vu cua \y'PBank;

m) Dtroc cung cip thong.tin clro Utin th['ba d6 phLrc vu cdng t6c cludn ly vd cung irng thanh to6n qua tdikho6n cr0a VPBank d6i r,ji Khrir:h hirng;

n) Duoc gi6i thi€u cdc cdc san phArn. dich vu. chuong trinh khuyen mAi cua VP'Bank, canh bd;o c6c riri rokhi thuc hi€n dich vu r,'d cdc tlrirng b6o kh6c phuc vu cho vi€c su'dung TK'fl' theo c6c clLch thf'c mdVPBank cho lir phu ho'p (bao 6;6m nhurrg kh6ng gi6i han vi6c gu'i tin nhrin. email. thdng b6o tr€nwe:bsite,...) v6i s6 luong vd th$i gia.n khirng han che;

o) Dr.roc thuc hicrn cdc qu1,0n khhc theo qu1 dinh cua VPBank phu hop v6'i quy dinhr cua ph6p ludt hoactheo th(ra thuan gifi'a Khrich hdnl; vtri VPBank kh6ng tr6i v6'i Qu), dlnh cua phap ludt hi€n hdnh.

2. VPBank c(i cfc nghia vU sau:'fhp'c hiQn l6nh thanh to6n cua l(hdch hdng sau khi da ki€m tra, kiern soat linh h,cp ph6p. hop 16 c:0al6nh thanh tolin;

Luu giti m6u chf ly.i," Khiich hdng. K6 to6n tru'ong/ngu'o'i phu tr6ch k(! to6n (neu c6) vd nhfrngnguoi duo-c uy quy€n d€: ki0m tnt, doi chieu trong qud trinh Khdch hdng su'dung TKT'T chung;

Hr-rcrng d6n Kh6ch hirng thu'c hi,3n dtng quy dinh cua ph6p ludt vd cua VP[]ank hhi lAp hd scr mri tirikhcdn, l4p chf'ng tir giao dich, ldp l6nh thanh to6n. rirt hodc n6p tid:n m[t vdo tdLi khoan vir ciic quydinh kh6c co liOn quan trong vi€,: su'dqng TKTT chung;

Ghri C6 vdo TKT'T'chung cua Kh6ch hdng kip thcri c6c l0nh thanh to6n chuy6n tit:n dtin. nQp tidn nratviro tdi khodn; hodn tra kip thr)'i c6c khoan tidn do sai s6t. nhAm lSn da ghi Xo- d6i voi TKIT chungcia Khlrch hdng;

Th6ng tin dA1,du. kip thcvi ve sc du'va c6c giao dlch ph6t sinh tr€n 'fKTT chung theo thoa thudn vdiKh6ch hdng vd chiu tr6ch nhi€rn vd tinh chinh x6c OOi vOi nhil'ng thdng tin do VPB;ank cung cdp;

Cgp nhiit kip tho'i cac thdng tin khi c6 thong brio thay OOi nQi dung trong ho so nr<r-fKTl chung cuaKh6ch hdng;

Bdo quirn, lu'u triL hd scr rniv tdi kholLn va c6c chf'rrg til giao clich qua tdi khod.n theo d0ng qr-ry dinh cuaphrip lurlt vd quy dinh cua \,'PBank:

h) Ddm bdo bi m4t c6c th6ng tin li6n quan d6n TKTI- chung vd giao dlch tr€:n TKI-T churg theo qu1,dirrh cuii ph6p luAt;

C6c nghTa vu khiic theo quv dinh cua phrip luAt.

Di6u 10. Cung C6p Thdng Tin, Hinh l'hri'c Th6ng Brlo Vh C6c Diiiu Kho:in Sri'a D6i E6 Sung

l. KH du'oc quydn yeu cAu VPUank cung cdp thong tin vcr sd du'-tKl-T chung. c6c giao dich phat sinh trdn-IKT'T churrg va cdc thong tin cdn thi6t khac lidn quan tdi vi€c su'ilung TK'f-f .hung trong qu6 trinh su'dung tai khoan. KH co the gu'i d€ nghi cung cdp thong tin tru'c ti€p tai cdc Diem giao dich cra VPBankhoac thdng qua t6ng ddi diQn thoai s6 frT 1+944)39 288 880/1900 545 4lSls6 dien thoai khdc theo th6ngb6o cua VPBank hoirc thdns qua phuo'ng thirc kh6c do VPBank trid'n khai tirng thcri l(j,. KH c:o nghTa vutu6n tlrir quy clinh. 1'6u cdu ra thanh to6n c6c khodn phf,... cua VPBank khi da nghi VPBank cung cApthdng r.in. Khi nhlin duo'c y0u cAu hqp |3, VPBank s€ thu'c hien cung cdp thong tin chc, Chu tdi khoan trdnco so phu hcrp vr:i cluy'dinlr cua pr6p luAt. Vi€c cung cdp thr)ng tin s€ du'crc VPBank thu'c hi6n bingphuong thirc do VPIlank vii Chu ldi khoan thoa thudn tai thoi diem Chu tdi khoan yOu cAu phu hop voiquy dinh cira ph6p luat.

2. Truong hqT'Ch0 tdi khoAn vii VPllernk da ky ket c6c thoa thuAn. hop ddng (hop, 65nt dich vu ngdn hdng

a)

b)

c)

d)

e)

g)

MB01F.QD-GGTC/371.2

qua internet, di€n thoai, entail....) trong cl6 c6 thoa thudn vd dich vu thong bdo s0 clu'tai kho:rn. circ giaodich ph6t srnh trdn tdi khoan ... , v'ir)c th6ng b6o sE clu'o'c VPBank thuc hi6n theo thoa thudn. l'rop dong ddky voi Chu tdi khodn.

3. Trutrng hgll VPBank phong toa tai il<hoAn, viQc th6ng biio phong toa tdi khodn sd duo,o VPtlark thuc hi€nphu hcrp vdi quy ,Jinh vO thdng b6o lai tlan Eidu kien giao dich chung ndy.

4. KH dr\ng y nhAn cric th6ng b6o/thdng r.in v6 san phAm. dich vu, chu'ong trinh khuy6n mai ri'VPBank vdc6c ddi t6c c0a VPBank theo c6c phrLrong th[r'c nhu quy dinh tai Didu nay,.

5. VPBank s€ th6ng bao cho KH ciir: vdrn d€ li€n quan toi vi6c m<i su'dung'tKTl'cfrng; nhu c6c san phdm.dich vu cua VPBank bao g,5rn cd chc sira d6i b6 sung c6c didu khodn dieu kiQn theo Ban Di€u kien gliaodich chung niry va cdc su'a doi. bd:;un1g, cac di€u chinh vd chinh siich cua VPtlank ctOi vOi 1'K-IT', bangm6t trrtng c6c phuo"ng thLi'c li€n he do VPBank tri0n khai tu'ng thoi kj, bao gdm nhung khdng gi6i han nr6ttrong ,:6c phucrng thuc sau: gcii di€n tlroail gu'i tin nhirn SMS hoac gu'i email t6i sir di6n thoai, dia r;hiemail cua KH hoqc ctia Dai di6n theo ph6p ludt/Dai di€n theo 01, quydn cua KH dii dang k;i tai Gi6y dCnghi ki€m I1o. p cl6ng; ni6m 1,,tit tai tru srv dia diem kirrh doanh hoac th6ng b6o trtin w,ebsite chinh th['c c:uaVPBank (website: 1'vnylpbank.com.vn). Doi vtii cdc n6i dung VPBank thong, b6o ,;ho Chfing toi bingvdn bdn, Chirng t6i hi0ur ring r,In hlun c6 th6 duoc VPBank lap va gn'i bang ban gi6y hoac bang*c6c th6ngdiQp dD' li€u qua tin nh6n SlvtS hoiic email ... cho KH theo quy dinh tai Di€u ndy. VPBank kh6ng c6 nghlavu phdLi xdc minh viQc K11 dd nhdn rlu<rc ciic th6ng b6o dLro-c VPBank gu'i cho K.H. Tru'dng hqp KH cri su

:!1Idi.i dletchi, t: di0." thoai, ernail liOn h€ thi phai thuc hiQn thu tuc thay doi thdngtin theo quy dinh c,uaVPBank; nOu khr)ng thay ctdi th6n11 tin thi VPBank c<i quyOn thdng biio theo dia chi, s6 dien thoai vdemail ,;fr vd mdc nhi6n coi nhu Kh6<:h hang d5 nhdn du<rc thdng b6o khi VPBanl< thiing b6o tcri rJia chr, sddi6n tfroai r,d email ndyvd nr5i dung c6c rhong b6o ndy c6 gi6 tri rdng budc Kl-I.

6. 'lru'trucrng hop Bdn Dieu kien giao dich chung ndy c6 quy dinh khac, KH du'oc coi ld ch6p thr.rdn todn b6nhirng ndi dung su'a dr)i theo thirng b6o cua VPBank nOu KtJ ti6p tuc su'dLrng'l'KTT saLr thdi di(!mVPBank c6 th6ng b6o.

Di6u 11. I'ra Soft, Xrr lj' Khi6u N4i 'f long Qui Trinh Sri'Dgng TKTT Chung

l. Phuongthri'c ti6p nh4n tI6 nghitra soit, khi6u n4icua Khrlch hirng

a) Khico nhu cau tra so6t, khi6u nrLi d,ii v6i cdc giao dich TKT'I'chung, Khdch hdng c6 th€ tru'c ti€p d6nciic Di0m giao dich cua V'PBank ho6c li6n h0 v6i VPBank thong qua tong dai diQn thoai s6 DT'(+8li+)39 288 880 / 1900 545 -11,5/sf', di6nL thoai kh6c theo thdng b6o cua VPBanh hoiic thdng clua phuongthrjrc kh6c do VPBank tridn khai vd thdng biio cho Kh6ch hdng tu'ng thd'i kj,. l-ru'dng hcro t(h6ch hdngcl€.nghj tra so6t. khi6u nai.qua ting ddi dien thoai c0a VPIlank. Kh6ch hdnlg c<i trr6;h nhidnr bo sun!giay d€ nghi tra solit, khi6u.nai (theo mdu cira VPBank) trong tho'i han do VPIlank quy dinh trongturrg thrri kj,. Kh6ch hang cdn tuAn thir dAy di c6c quy dinh. ydu cdu vir tlru tuc: theo qu1, dinh c0aVPBank khi thuc.hi6n tra so6t, l<hiiiu. nai phu hop vo'i quy dinh cua ph6p ludt. l-rucrng hqp uy quy€ncho ngu'o'i khric <t€ nghi tra sodt khi€u nai, khdch hdng thu'c hi6n theo quSr dinh cua VPBank vd quy,dinh cua phrip lulit v'd uy quydr,.

b) Thoi han Khach hirng dttoc qurdn de ngh! tra sodt. khiOu nai lir 60 ngay krr tu'ngir1 phdt sinh giao clichdd nghi tra so6t. khi€u nai. Sau tho'i han niry md KH khdng thuc hi6n viQc d0 nghr tra so6t" khi6u nai.KI-l tu.chiu moi tr6ch nhi0m, r"hi0t hai ph6t sinh vd d6ng lyi chAp nhdn moi hAu qua co thj xay'r.r v'carn k€t khong c(r bat ki khi0u nri" hhi0u ki€n gi vcyi VPBank.

2. Thoi han xiL li cl€ nghi tra sorit. khi6u niai cua VPBank: frong thcyi han tOi da 30 ngay ldm vi€c kd tu'ngdyti6p nhAn dr3 nghi tra so6t. khi6u nai lAn dAu cua KH, \/PBank sE thuc hi6n xu lli dC nghi tra soat. khieunai c0zr KH.

3. Xu ly ket qua tra sodt. khidu rrai:

Vi6c xir l;i kilt qua tra soat, khieu naL cua KH sE duo-c VPIlank thuc hi€n trong tho'i han theo qul dinh cua

MB01F.QD-GG1'C/3713

ph6p luat vd dam b6o ciic ngu1,6n tdr; 5sr.l'

a) Trucrng hqp c6 ton thdLt phdt sinh vil nguy0n nhdn ducrc xiic dinh khong cto l6i cua KH valhoac khe,ngthuOc c6c trudng hcrp bdLr kha kh6ng theo quy dinh tgi Bdn Didu kien giao clich chung, trong tho'i hant6i da 05 ngdy ldm vi€c kd tu'r'rg)y' th6ng b6o k6t qud tra sorit, khi6u nai cho KH, \zPBink :;E thuc hi€nviOc b6i hoan cho KH theo thoa thuin bang van ban giD'a VPBank vd KH.

b) 'Iruong hop co tdn thdt phdt sirrh va nguyOn nhdn du'oc xric dinh do l6i cua KH: VPBank khdng c<i

nghia vu thuc hi0n viec boi hoir ton rhat cho Khrich hirne.

Truong hop h6t thcri han xn'lv d0 rrghi cl6 nghi tra so6t, khi6u nai theo thoa rhu2in tai Khoan 2 Di€uniry mdr chua x6c dinh du'crc nguy0n.nhdn hay l6i cua B€n n?ro thi trong vdng 15 ngdy ldm viQc titiptheo, VPBank va KF-l s0 thoa thudn bing vdn bdn vi: phu'ong 6n xil' ly tra -so6l., khi6u nai.

Trucrng hgp t'u vi€c co ddu lri€u toi pham, VPBank sO thuc hi6n thdng b6o cho co quan rrhd nudc c<ithlim quyAn theo quy ciinh cua phhp luAt ve t5 tung hinh su'vd baoiao Xgan hdng Nhi nucrc (Vuth.anh toiin, co quan thanh tra. gi6m s6t ng6n hdng, NgAn hdng nhd nu'dc tinfr, thiinLh ph5 tr,3n dia bdn);d6ng thoi. therng b6o bang van tran cho Ktl ve tinh trang xu lf dC nghi tra so6t. khi6u nai. ViQc xu lyk6r: qud tra.so6t, khi6u nai trong tru'dng hqp nay s€ phu ihuqrc-v2ro k6t qua giai quy6t cua,'o quan .,hi,nucrc cir th6m quy€n. Trong truong hcrp ccr quan nhd nu6c cd thdLm quydn thlng ta,o fet qua giai qu'y6tkhdng c6 y6u t6 t(ii pham, trong vdng l5 ngay.ldm vi€c ke tu ngiry-.0 Let ludn cua co qua.n nhd nu'occ6 th6m qu1'dn. VPflank vd Ktl s€ thoa thudn vd phu'ong 6n xir lv k6t quA tra so6t, khi6u nai.'frrrong hop VPBank" K.l-l vd c,at: b€:n liOn quan kh6ng th6a thudn duoc vie/hoac kl'rdng dong y voi qludtrinh d€ nghi tra so6t, khi6u nai thi vi6c giai qry6t rranh chdp duoc thuc hiOn theo dirng qu/Oint'r pnaplu€it.

Di6u 12. Su KiQn Ilet Khe Kh:{ng Vir Throa 'Ihuin Ciia Cric BOn Li0n Quan Khi Xiiy Ra Srp KiQn tt6tKhi Khrlng

l. Su kiQn b6t khd kh6ng ld su ki6n xAy ra m6t c6ch kh6ch quan md m5i gen hodc C6c lBen rrong uan Di6uki6n giao dich chung khong the lucrrrg tru6'c du'oc vd khdng thO kh6c phuc duoc cld thrrc hien c6c nghTa vucta minh theo Btin t)i€u ki6n giao,lich chung, rnf,c du dd rip dung moi biOn ph6p c6n thiet r,a kha nangcho phdp.

2. C6c Btin nh6t tri thoa thuin rn0t trong c6c truong ho-p sau du'crc coi la su'ki6n b6t kh6 khdng:

a) Chi€n tranh hoic do thi0n tai hoiic do thay d6i chinh s6ch ph6p ludt cua Nha nuoc;

b) Quytit dinh,, y6u cAu c0a co quan nhd nuoc c6 thim quydn, td chilc the qu.6c t6. c6,; t6 chri'c: qu5c t6 cirLilidrr quan den c6c hoat d6ng phong, chdng ru'a ti6n. chong tdi tro khung b6. cdm v6n/tru'ng phat. phong

chring gian Idn....:i,c) Su'co duttng truyOn, di€n. manl;, thiet bi, vi rrit, circ l6i k! thuat. su gi6n doan lrong vi€c cung c6p

dich vu til ciic nhd cung cdp, bOrr thu'ba cung cdp dich vu cho VPBank..... >ray ra bAt ngo. nirn ngodikhii ndne ki6nr sorit cira VPBank,

C6c su'ki6n xdy ra m6t c6ch l:h6ch quan khong th0 lu'ong trLroc du'<rc vd kh6ng r:ne khic phuc duocmdc du VPBank dd 6p dung moi bien ph6p c6n thi6t va khd ndng cho phdp;

C6c tru<rng hop kh6c theo quy dinh crla ph6p lu4t.

3. Khi xaLy ra su kiOn bdt khd khring. VPllank trong pham vi kha ndng co the s€ thuc hi6n rhdng b6o choKh6ch hdnE; duoc bi6t. ap dung t6i cfa cdc bien phap de han cne. ntrac phuc su'c6" bzro d6m vi(:c cung c6pDich vu cho Kh6ch hdng mot c6ch li€n tuc..Kh6ng phu thu6c vdo quy dinh tai K.hoan ndy, vier: m6t trongcirc BdnlCdc Bdn bi t6c d6ng bo'i su' ki0n b6t kha khring d6n dtin khdng thuc hi€n du'oc nghTa vu cua minhtheo Ban Di6u ki6n giao dich chun1l s€ kh6ng bi coi id ui pha* nghia vu theo Ban OiAu fier giao clichchung vd ciing kh6ng ph.di ld co's<i O6 Uen con lai ydu cdu bdi thucrng, phat vi pham vd c6c ,1uy6n kh6ctheo quy dinh tai Barr Didu ki€n giac dich chung.

c)

d)

e)

d)

e)

MB01F.QD-GGl'C/371.4

Di6u 13. Ilio Dim An Tohn Vi Brio NIit Trong Qu{ Trinh Sii'Dgng TKTT chungI . D6 ddrn bdo an todn vd baro rnAt trong sri' dung TKTT chung, K l-l ccl tr6ch nhi6m:

BdLo mdt c6c thdng tin vdi TKl"t chung cua KH. khong.chuvdn giao th6ng tin cua lKh6ch hiing cho^bOnthri ba tru'truong hcrp c<r quarr rrhd nu6'c c6 thAm quy'0n y6u cAu vd/hoac d2iduryc quy dirh cu thri taiBdLn Di€u ki6n giao dich chung.

Tudn ttrri c6c hu'dng d6n. quy trinh giao dich cua \/PBank khi thu'c hi6n c6c giao dich Tt('11' chung.Kh6ch hdng phai k1,'clfng chfr'ky dii dang ky voi VPBank khi thuc hiOn cric giao dlich TKl't chung coy€u cAu chu'k! cua KH. Dd dirnr bdo arr todn cho tdi sdn vdr giao dich cua Kh6ch hirng, bang Ban DiAukiOn giao dich chung nriry.. KH donll y va dcl ngh! VPBank thu'c hien c6c bi€n ph6p x6c minh cAn lh,iOtvd"rho?c tam kh6a, tu chtii giao dich khi VPBank nhan thd.y chii'kj cua KH tr€n c6c ch0'ng ril giaodich khdng dring v'o'i mliu chfr' kll KFI dd ding ki tai VpBank.

c) 'frudng hqp KH thuc hi€n giac, digh qua c6c phutrng ti€n di6n tu'. tiry til'ng giaLo d!ch. dlch vp mdKh6ch fidng thuc hi6n, KFI cir th6 du'crc ydu ciu su dung m6t ho4c m6t s5 cic-y0u t5 bao rn{t tuo.ngrmg v6i phrro'ng th['c xiic thuc l(H md giao dich, dich vu dr5 yeu cAu bao gdm nhLrng kh6ng gioi l-ranth6ng tin vd s5 tai khoan, tdn chu tii khoan. so die'r thoai. email ma KH da ddng ky v6'i r/PB1nk, ...Ktl co tr6ch nhi0m bAo mdt ciic y6u t6 Uao mQt n6u tr€n, dOng thcri phai thurc hi6n c6c biQn ph6p hoolli d€ ngan chan vi€c sit clung t.rai phdp cdc ydu to bao mdt nOu tr€n. KH chiu trdch nhiem v€ cdc thi6thai xay ra do cdc 1eu to bao mat bi 10. tr! ddnh cap. bi lo. idurrg. ....

d) K[{ c6 tr6ch nhi0m b6o quan cdc thi6t bi dign tu'duoc dung d6 fet nOi voi hd thr5ng cua VPBank vzith"1rc.hidn.c.6c gia.o.dich tdi khoan (rn6y tinh, di€n thoai, ....), KI-l kh6ng n€n ro'i tlhiOt bi nrd Kt{ dilngd€ giao dich viro bAt kj,l[rc ndo hodr: d6 b6t kj' ngu'oi kh6c sti dung thi6t bi dri cho d6n khi l{h6ch hd.ngdd ddng xuAt khoi h0 th6ng. man hinh giao dich.

e) Thdng b6o vd phdi)i hqp kip thd'i vcri VPIlank d0 xu'ly cfic van dc\ lir3n quarr to'i vi0c bAo danr an todn valnong bao va phol nqp krp thor vcrt VPl3ank d0 xu'Iy cttc vdn de"lien quan to'i vi0c bAo danr an todn vibArt mdt TKTT chung lrong qud trirrh su'dung TKTT chung. Dd dam bdo arr toan cho tiri sdn vir giacgr aodich c[ur Kh6ch hirng. blng Birn Dir:u kien giao dich chung nay, KH d6ng y vd,Jd nghi VPl]ank thuchi€:n c6c biQn ph6p thfch hop nl'u'tian1 kh6a TK'fT chung, ti ch6i giao dicl'r tdi khodn khi cdc yC, t6b6o m6t. c0a KH duoc hd th6ng ki6rn tra vdr phdn hOi ld khong chfnh x6c sau m6t s5 tAn truy cap nhAtdinh.

0 TuAn thi ciic nghia vu, tr6ch nhi6m kh6c theo quy clinh cua phirp luAt vd b6o dam an todn vir bAo nrAtthfrng tin lrong su'dung tdi khoan.

2. Oe darn bdo an todn vri bao mdt trong srr dpng TKTT'chung, VPBank c6 tr6ch rrhi0m:

a) ThU'c hiQn c6c bi6n ph6p dam lrdo an todn, phong ngila rui ro cho giao dich tai khodn theo ctic nguydnt6c, quy dinh cua phrip lu:it,

b) 86o mdt thfrng tin li6n quan d0r hoat ddng tdi khoan phir hqp vdi Bdn Dieu kien giao dich chung vdqu'y dinlh cua ph6p luAt.

c) Tuin th0 c6c ngliTa vu" tr6ch nhi€m khdc theo quy clinh cia ph6p luat vej ddrn bao an toan vd biio nratthe,ng tin trong srr dung tdi khoarr.

3. Khi cdc thong tin vd f K.fl- chung.. c6c tlrong tin ve yeu to bao mAr TKTT chung bi lo. bi loi dung. h.Hphdi brio n6iay cho VPBank rheo s5 DT (+844) 39 288 880/1900 545 4t5lsti di€n thoai khirc theo th6ngbilo cua VPBank ting thoi kj, hoqc Didm giao dich gAn nh6t. Elang BAn DiAu k:i€n giao dich chung nay.KH d6ng ]i vd d0 nghi VPIlank thuc hiQn tam khOaffff chung ngay khi nhdn du&: thdng b,6o cia K.Hhodc 6p durrg c6c biQn ph6p phong ngu'aL rui ro khdc dong thoi ptrOi nqp voi cac br€n li6n quan d6 thu'c hienc6c bi€,n phrip nghiQp ,,u cAn thi6t kh6c nhim ngan chin c6c thi0t hai co th6 xay ra.

Didu 14. Tuin Thri FATC,{.

KH xdc nhdn rang (i) KH dA dutrc NH thong b6o vd Didu khoan vd Di6u ki€n vr) rudn thu dao

MB01F.QD-GG'r'C/37

a)

b)

tudt

15

:l{

$

FATCA ddnh cho Kh6ch hdng t6 chri'c tr0n website cua VPBank (u,ww.vpbank.com..vn) (''Dir)u khoan vdDi€u l<i6n FATCA"); (ii) Kt{ dd doc, hitlu rd vd cam k6t tuAn thu dAy di,.a. ndi dung trorrg ban Di6ukhodn va Di0u ki€n F.ATCT\ nay; (iii) I(H d61g y rang VPBank c6 quydin thay cl6i lsiLa J6i, b,irung, rhay,thO) cric ndi dung cua ban Didu khoan va Dieu t<ien pnf'CA trong iutrg tho"i-k,i,theo quy6t dinh cua )'JF{mir kh6ng phai thdng biio truoc h<iar; nfran clu'oc su dong y cira Kl-I.

Di6u 15. Luit Di6u Chinh Vn Cliei Quytit Tranh Ch6p

l. Ban Di€u ki6n giao clicli chung niry ducrc giai thich vd cli€u chinh brii ph6p luat \i i6t Nam.

2. C6c tranh ch6p ph6t sinh tu hoac liOn qluan d6n Ban Di€u ki6n giao dich chung ndy srJ duoc Ct6c Ben birnbac xir ly tr€n tinh thAn hop t6c. binh clirng va ton trong lin nhau.

aJ. Trucrng hop C6c BCn khOng tu'thoa ttrudn duo-c hoac khdnI rucrng hop C6c tsen khOng tu' thoa ttrudn duo-c ho4c khdng mu6n thoa thudn vcri rrhau, m6t trong C6c

B€n cri.quyi,n khtri ki0n ra'I'oa 6n nhdn ddn c6 thdm quy€n d6 giei quytit theo quy dinh cua phap luat. Crlc.t : , i : -. ^

'B€n tltong nhAt rang. dia chi cua Kh6ch hdng nhu n€u tai muc thong tin KH _- GiArr d€ nehi ki6m Hop

B€n cri.quy€n khtri ki0n ra'I'oa 6n nhdn ddn c6 thdm quy€n d€ giai quy€t theo quy dinh cua phap luAt. Crlcai muc thong tin KH _- Gi61r dd nghi ki6m Hop

d6ng vd dia chi cua VPBank nhu ndu tai Phdn ddnh cho NgAn hdng --Gi6y dd nghi kieIn H.-rp'dong ld iiachi du'oc su dung d€ l'oa 6rt xac dinh thdm quydn giai q"uyet t.u"nt'r.h6p theo quy {inh cutr phap lLrAt.Truong hqr Kh6ch hAng thay O6i ctia chi md khdng th6ng biio cho I36n NgAn hdng bang van b,in. rhi clurochi6u lir Khdch hdng c6 tinh giAu dia chi. tron trdnh nghTa vu vd Bdn Ngdn hirng co qurv6n y0u cAu Tda 6nthu ly g"iai quyit vu 6n theo thu tu(: chung. Kh6ch hdng chdp nhdn vi6c Toa 6rn xdt xir ving nidt Kh6chhdng, k6 cd trucmg hgp khong lAy clrroc lo'i khai cua Khdih hang.

4. Trucrng hcrrr Khrich hiing/Chn scv hiru hruong loi c6 d6u hiQu liOn quan d6n M!, vi6c x6c mirrh thdng tinFATCA duoc d6n chi6u theo c6c qury dinh li€n quan d6n tdri khoan c6 nhdn ducrc Vf,Flank ban hdnh rrc,nstung thoi k'|.

Di6u 16. I)i6u Khoin Thi Hirnh

I . Bdn Ei6u ki6n giao dich chung cun6; viri c6c GiAy d€ nghi ki€m Hop d6ng vir Didu khodn vd f)idu ki6n vdtuAn th0 dqo [uAt FATCA ddnh cho Khach hang to chrLc trdn website cua VPBank si] tao thanh m6t r,,6n

bdn thca thi.rdn hoan chrnh v€ mo va su'dung'f KTT gifr'a VPBank v2r KH.

2. C6c di6u khodn vd di6u ki6n cira llan fridu kien giao dich chung ndy c6 hi6u luc k€ tu ngiry C,i6y dA nghit:kiem tJqp ctong cua KFI du'gc VPIlank chAp thu{n cho d6n khi VPI}ank vd KH rJd thuc hi6n x,rng todn b6

quyen vd nghla vu theo Gi61' de nghi ki0m Ho-o ddng, BAn Di6u kien giao dich chung ndy vd c6ciAn brin.

3.

quy dinh ci' li€n cluan cua phrip luiit vd r:ua VPBank.

Nhfr'ng1 vdn d€ chu'a du'oc clA cap d,!n trong Ban Die\u kien giao dich chung ndy s€ duoc thuc hi€n tl"reo

Quy dinh rno' vd su' dLrng TKTT chunLg cua VPBank. cdc c6c cam k6t. thoa thuAn khac gifr'a KH voiVPBank (n6u co) vd theo quy' dinh c0a ph6p lu6t c6 li€n quan.'frucrng

hc.ry c6 di6u khoan niio d6 cia llan Dieu kien giao dich chung ndy bi vo hi6u rtheo phan quv€t cuaco quan c6 thdm qu1'€n thi ciic didu khoan con lai v6n gii' nguy€n hieu lu'c vd'i Cac Ei0n. Cdc B0rr s€ banbac, thoa thudn d0 su'a d6i, b(i sung lai clieu khoan do cho phu hcp voi cluy dinh c0a phap luqt.

KH xdc nhrin la dd cloc. hi0u ro vii.'iam ket thu'c hi€'n dung Ban Dieru kien giao dich chung n11. cdc qu1dinh khric cua VPBank lien quan d6n TKT"I'chung vd c6c quy clinh ph6p luqt hi6n hdnh cua Vi6t Nam c6li6n quan.

NGAN HANG TMCP VIST NAM THINH VTJ'QNG

T'oNG CrAIvI OOC

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NGUYEN OIIC UNTT

5.

MB01F.QD-GGTC/3716