QUY NH CHUNG V M V S DNG TI KHON TIN GI TI EXIMBANK

GII THCH T NG:

Ch ti khon: l c nhn ng tn m ti khon. ng ch ti khon: l hai hay nhiu ngi cng ng tn m ti khon. Ngi gim h, i din theo php lut ca c nhn: l t chc, c nhn hoc c quan Nh nc c nng lc c php lut quy nh hoc c c thc hin vic chm sc v bo v quyn, li ch hp php ca ngi cha thnh nin, mt nng lc hnh vi dn s, ngi b hn ch nng lc hnh vi dn s. Ngi c gim h, c i din: l ngi cha thnh nin, mt nng lc hnh vi dn s, ngi b hn ch nng lc hnh vi dn s. Ngi c y quyn: l ngi c quyn v ngha v nh ch ti khon trong phm vi c y quyn v khng c y quyn cho ngi th ba. Ngi c chuyn giao ti khon khi ch ti khon (hoc ng ch ti khon) l c nhn cht hoc tuyn b l mt tch theo quy nh ca Php lut. Ngi c tr: l cng dn Vit Nam c tr ti Vit Nam; cng dn Vit Nam c tr nc ngoi c thi hn di 12 thng; cng dn Vit Nam lm vic ti c quan ngoi giao, lnh s, vn phng i din ca cc t chc Vit Nam ti nc ngoi; cng dn Vit Nam i du lch, hc tp, cha bnh v thm ving nc ngoi; Ngi nc ngoi c tr ti Vit Nam c thi hn t 12 thng tr ln, tr cc trng hp ngi nc ngoi hc tp, cha bnh, du lch hoc lm vic cho c quan i din ngoi giao, lnh s, vn phng i din ca cc t chc nc ngoi ti Vit Nam. Ngi khng c tr: l cc i tng khng phi l ngi c tr. Tin gi thanh ton: l tin gi khng k hn hoc c k hn ca c nhn ti Eximbank bng VND, USD, EUR, AUD, CAD,nhm thc hin cc giao dch gi, rt tin mt, chuyn khon, thanh ton tin hng ha, dch v, nhn tin t nc ngoi, chuyn tin ra nc ngoi, Tin gi tit kim: l tin gi khng k hn hoc c k hn ca c nhn ti Eximbank bng VND, Vng, USD, EUR, AUD, CAD,... nhm mc ch tit kim. Tin gi khc: l cc ti khon tin gi khc tin gi thanh ton v tin gi tit kim do Eximbank quy nh theo tng thi k. Th V-TOP: l th ghi n ni a c Eximbank pht hnh cho khch hng s dng thanh ton tin hng ha, dch v hoc rt tin mt, chuyn khon. Th ng thng hiu: l th ghi n ni a c Eximbank pht hnh cho khch hng ca t chc khc s dng cc u i v tin ch ca hai bn. QUY NH CHUNG: i tng m ti khon: C nhn l cng dn Vit Nam, l ngi c tr v khng c tr theo quy nh Php lnh ngoi hi Vit Nam, c nng lc php lut dn s v nng lc hnh vi dn s. i vi ngi cha thnh nin, ngi mt nng lc hnh vi dn s, ngi hn ch nng lc hnh vi dn s theo quy nh ca php lut, mi th tc m v s dng ti khon tin gi phi thc hin thng qua ngi gim h, ngi i din theo php lut. Th tc m ti khon: Giy ng k m ti khon khch hng c nhn (theo mu Eximbank). Chng minh nhn dn/h chiu/chng minh qun i/cng an ca ch ti khon. (Trng hp m ti khon thng qua ngi gim h, ngi i din, phi c giy t chng minh t cch gim h, i din theo php lut.) Cung cp bn sao y theo quy nh. S lng ti khon tin gi: mi khch hng c quyn m mt hoc nhiu ti khon tin gi ti Eximbank bng ng Vit Nam hoc ngoi t do Ngn hng quy nh trong tng thi k. S d ti thiu: l s tin ti thiu trn ti khon tin gi ca khch hng theo quy nh ca Eximbank trong tng thi k.

Ph dch v ti khon: l khon ph m ch ti khon phi tr theo quy nh trong tng thi k Eximbank thc hin cc dch v theo yu cu ca khch hng. Mu ch k khch hng: l cc ch k ca khch hng ng k vi Eximbank lm cn c kim tra mu ch k khi thc hin cc giao dch gi, rt tin. S dng ti khon ca ngi cha thnh nin, ngi mt nng lc hnh vi dn s, ngi hn ch nng lc hnh vi dn s: *Ngi gim h, ngi i din theo php lut c s dng ti khon ca ngi cha thnh nin, ngi mt nng lc hnh vi dn s, ngi hn ch nng lc hnh vi dn s m mnh lm gim h, i din. Ngi gim h, ngi i din theo php lut ca ch ti khon khng c u quyn cho c nhn, t chc khc c s dng ti khon ca ngi m mnh lm gim h, i din. *Ngi gim h, ngi i din theo php lut c trch nhim s dng ti khon ny v li ch ca ngi c gim h, c i din; c y quyn v trch nhim trong vic s dng ti khon theo cc quy nh ti Quy nh ny v cc quy nh php lut khc c lin quan. S dng ti khon ng ch ti khon: phi thc hin theo ng ni dung cam kt v tha thun s dng ti khon trong giy ng k m ti khon. Cc ng ch ti khon c y quyn cho nhau hoc y quyn cho ngi khc trong vic s dng v nh ot ti khon chung trong phm vi quyn v ngha v ca mnh y quyn s dng ti khon: y quyn s dng ti khon, ch ti khon v ngi c y quyn n cc im giao dch ca Eximbank lm th tc hoc phi c vn bn y quyn c xc nhn ca c quan c thm quyn. Hy y quyn s dng ti khon: mun hy y quyn th phi thng bo bng vn bn cho Eximbank ni ngi y quyn m ti khon. Thng bo hy y quyn khng nht thit phi c ch k ca ngi c y quyn nhng bt buc phi c ch k ca ngi y quyn (tr trng hp y quyn c hng th lao). Phong ta ti khon: l vic Eximbank tm thi ngng mi hot ng chi tin hoc/v thu tin trn ton b hoc mt phn s d trn ti khon. Eximbank phong ta mt phn hoc ton b s tin c trn ti khon ca khch hng khi c tha thun gia khch hng vi Eximbank, theo Quyt nh/yu cu ca C quan Nh nc c thm quyn hoc trong cc trng hp khc theo quy nh. ng ti khon: l vic Eximbank ng h s TK, lm cho TK khng cn gi tr s dng. Ti khon khch hng b ng trong cc trng hp sau: Khi ch ti khon yu cu bng vn bn (KH phi np tr bng k km ton b sc v giy t in quan trng cha s dng do EXIMBANK nhng bn cho khch hng) Khi ch ti khon vi phm php lut trong thanh ton v vi phm tha thun vi Eximbank. Khi hon thnh th tc tha k theo quy nh ca Eximbank trong trng hp ch ti khon l c nhn cht, b tuyn b l mt tch. Cc trng hp khc theo quy nh ca Eximbank tng thi k. Vic chuyn s d ti khon (nu c), ty tng trng hp c th, c thc hin theo tha thun hoc quy nh php lut. Tip nhn, cung cp thng tin v gii quyt yu cu qua tng i in thoi: Trong trng hp khch hng c yu cu cung cp cc thng tin v nhng giao dch thanh ton trn ti khon ca mnh, c yu cu tra sot, khiu ni hoc thc mc v sn phm dch v ca Eximbank, khch hng c th lin lc n Trung tm h tr khch hng Mt s lu khc: Giy ng k m ti khon khng c hiu lc trong trng hp c bng chng chng minh cc yu t trong giy ngh m ti khon l khng ng s tht. Khi c s thay i v mu ch k hoc cc thng tin khc ng k vi Eximbank, ch ti khon phi gi giy ngh thay i thng tin ti khon theo mu ca Eximbank. Vic s dng ti khon c nhn c thc hin theo quy nh ca Ngn hng Nh nc, cc quy nh ca c quan Nh nc c thm quyn v theo yu cu ca ch ti khon. Eximbank c quyn t chi yu cu ng ti kho.n hoc rt tin t ti khon khch hng trong trng hp ti khon ang b phong ta.

GENERAL REGULATIONS ON OPENING AND USE OF DEPOSIT ACCOUNTS AT EXIMBANK

INTERPRETATIONS:

Account owner: individual whose name is used to open an account. Account co-owners: two or more persons applying for account opening. Guardian, legal representative of individuals: an entity, individual or State agency competent as required by law or appointed to take care of and protect legal rights and interests of juveniles, persons losing or restricted in their civil act capacity. Ward, represented person: juvenile or person losing or restricted in civil act capacity. Attorney: the person having the same rights and obligations as the account owner in the scope of authorization and not allowed to authorize a third person. Account assignee: when the account owner (or account co-owner) dies or is announced to be lost as stipulated by laws. Resident: Vietnamese citizens residing in Vietnam; Vietnamese citizens working for foreign affairs agencies, consulates, representative offices of Vietnamese organizations in foreign countries; Vietnamese citizens travelling, studying, having medical treatment and visiting relatives overseas; foreigners residing in Vietnam for 12 months and above, except those studying, having medical treatment, travelling or working for foreign affairs agencies, consulates, or representative offices of foreign organizations in Vietnam. Non-resident: those which are not residents. Payment deposit: demand or term deposits of individuals with Eximbank in VND, USD, EUR, AUD, CAD,to execute transactions of depositing, transfer, payment for goods and services, and inward/outward remittance Savings deposit: demand or term deposits of individuals with Eximbank in VND, gold, USD, EUR, AUD, CAD,... for saving purpose. Other deposits: deposits other than payment and savings deposits as may be defined by Eximbank from time to time. V-TOP card: the local debit card issued by Eximbank for customers' use to pay for goods and services, withdraw cash, transfer. Co-branded card: the local debit card issued by Eximbank to customers of other institutions to enjoy special offers and utilities of the two parties. GENERAL PROVISIONS: Subject of account opening: Individuals who are Vietnamese citizens, residents and non-residents as regulated by the Ordinance on Foreign Exchnage of Vietnam, have civil legal capacity and civil conduct capacity. Juveniles, persons losing or restricted in civil act capacity as defined by laws must act through their guardian or legal representative Procedures of account opening: Account opening application for individual customers (as per form of Eximbank). For individuals: ID card / passport / Military or police ID card of the account owner. (In case of opening accounts via the guardian or representative, papers evidencing the capacity of the guardian or legal representative are required). Provide certified copies as required. Number of deposit accounts: each customer is entitled to open one or more deposit accounts with Eximbank in VND or foreign currencies as may be provided by the Bank from time to time. Minimum balance: the minimum amount of money on customers' deposit accounts as required by Eximbank from time to time. Account service fee: the fee payable by the account owner in accordance with regulations from time to time for Eximbank to execute services upon customers' request. Specimen signature of customer: signatures of customers registered with Eximbank to serve as the foundation for comparing when conducting deposit/withdrawal transactions. Use of account by juveniles, persons losing or restricted in civil act capacity:

* The guardian or legal representative is entitled to use the account of juveniles, persons losing or restricted in civil act capacity whom he/she is acting as the guardian or representative. The guardian or legal representative of the account owner is not allowed to authorize another individual or institution to use the account of the persons whom he/she is acting as the guardian or representative. * The guardian or legal representative is responsible for using this account for the benefits of the persons being guarded or represented; has full rights and responsibilities in using the account in accordance with provisions of this Regulation and relevant law stipulations. Use of co-owner account: in correspondence with the commitments and agreement of account using as stated in the account opening application. Account co-owners can authorize one another or others to use and determine the common account within their own rights and responsibilities. Authorization of account using: to authorize account using, the account owner and the authorized person come to Eximbank to carry out the procedures or present an authorization letter with certification of competent agencies. Cancellation of account using authorization: the cancellation of the authorization must be informed to the branch of Eximbank where the authorizing person opens the account. The signature of the authorized person is not necessary in the authorization cancellation notice, but that of the authorizing person is required (except the case of authorization with remuneration). Account blockade: the suspension of all payment and/or collection activities by Eximbank in whole or part of the account balance. Eximbank blocks part or whole of the amount in customers' accounts upon agreement between customers and Eximbank, under Decision/request of competent State agencies or other cases as stipulated. Account closure: the closure of account profile by Eximbank, making the account not valid for use. Customers' accounts will be closed in the following cases: Upon written request by the account owner (customers must return the statement together with all cheques and unused material printed papers sold by Eximbank. Upon account owner's breaches of law stipulations in payment and agreement with Eximbank. Upon completion of inheritance procedures as regulated by Eximbank in case the account owner dies or is announced to be lost. Others as provided by Eximbank from time to time. The transfer of account balance (if any), subject to each specific case, shall be subject to agreement or law regulations. Receipt and supply of information, and inquiry settlement via Call Center: When in need of information of payment transactions over their accounts, investigation, complaint or inquiry about Eximbank's products and services, customers can contact our Call Center

Other notes: The account opening application is not valid if there are proofs evidencing that the factors in the account opening application are not correct. In case of changes in the specimen signatures or other information having registered with Eximbank, the account owner must send a request for account information change as per form of Eximbank. The use of account of individual is subject to regulations of the State Bank, competent State agencies and upon request of the account owner. Eximbank reserves the right to reject the request for account closing or withdrawing from customer's account in case the account is being blocked.