Mdu sf/Dia

GIAY at NGHl MO TAl KHoAN (LAN DAU)- TO CHU'C

S6CIF
APPLICATION FOR OPENING ACCOUNT (FIRST REQUEST)- NON INDIVIDUAL

Ngily (Date): n_nnnn I

Kinh 2m: NGAN HANG TMCP NGO~I THlfONG VltT NAM

To VietcomBa/lk

1.01)1 TAl KHOAN:

TGTI'
Currenl D D6NGJointuccomllholder
CHil TAl KHoAN D KHAc
Olher 0
0
Type of AlC Required

1.0;)1TI~N:
Currem'Y VND D USD D LO~KlIAC
Olher

TI1:NTI~NG VItT(CIIS. '.I flUme in Viemames#!); ............................................................................................................................................ __ .

TtN TI~NG ANH(Cus:s name it, Engli.vhJ:

TI1:NmT TAT (Shm1 Name);

BJA cHi (AJdress) ......................................................................................................................................

BIeNTHO~ (Felep/wllI! No.) ................................... s6 FAXfrELEX (Fux NI)/fe/ex N",) ....................................................

MA s6 TUUt IVAT /lumber) ..................................................... C TRO (YlN)(re.v;dence(YIN) D

TtN CHU TAl KHOAN (Full name of Ale holder) ..........................._ ....................................... _ ........................................................

s6 CMTIH() cm~u(lD NoIPPNo.) ....................... _ ...................... CH(J'C Vl,J (Tille)

Quyll dlnh Ihanh Il)p DN/ giay phep dang ky klnb doanh Ngily .
Establi:shment Licltm'e NuIBu.\'iness License No .............................................. Date .....

Ql> blSnhi~m ch6'c: v\I cua cbu TK sO ...................................................................... NUily .

The Deds;(nl (if Appo;ntment of Ale lIolder No. Da/e

Ql> b6 nhl~m kltolin trinlglph\l trach k~!~~~ ..~ ................................................................................. Ngliy ....................................................
Tile Decis;ml it! Apptlilllmelll of du'ef Ac(:oUJl/alll No. Dare

Cae gll'i.yIlYlien quan khac ...~................................... _ ................_ ...._..._...................................... Nga)' ..............................................

Olher RdUleJ Dttt;uments Dute

11 TOI cam doan rAng m91 thOng tin dU'll rl 1,1 De ngbl nay dc1u dung 51} th,1 va de ngbf Ngan hang ma tai kboan cho tOl
I hereby declare Ihat Ihe informalion pro~'ided on /ilis application is truthful and kindly request the Bank to ('pen the aCC(lunlfur me.

2/ Tol ita dQC, hh~u ro va dong y loan b(l cac di~u khoan Irong Quy dfnh mu va sir dt.Jng lal khoall dinh kern DC ngh! miy va It! ch!u
trach nh~m ve vl~ chi dlllh ngm duvc uj quyen cUB16 chuc minh trong may de ngh! nay.
I have read. dearly UI,der.vt(}(Idand agreed all temLf and conditions ;/1 the regula/;oll (Itl opming and using aCCOUlIl~'
Ullac'lIed /0 11Ii,1' applintl;OII.

31 Tol earn kel chlu tracb nbl~m quin Iy va sir d~mg tal khoan Iheo qui che Clm Nha RoUe va qui dlnh cua Ngi\n hang.
I ('(Jmm;llo operu/I! and manage Ihis au'owl/ in (K'C'iwdUJI('e
w;th Government's reguJali/ltl~and the &tl/;;'S ruJe~1or Nntl Individual A(,cOIIIII.

DANH CHO NGAN HANG(BANK USE ONLY) l>~I mN NGAN HANG TMCP NGO~I THU'ONG VN
ForVielcomBallk
Ngan hang dong y roo TK dong VN s6:

TK ngolj.i t~ s6:

Tu ngay(jro/ll dare):
H<? va l~n I Full Name
CII(J' KY COA cm; TAl KllOAN VA NGUOI DUOC UY QUYN:
Specimen signalllres of accOlmt Holder & QlIthol'ised Persons:

}.I.91 t~~ - - .
cMTIUOcmtu
lD N6.f PP Nil .... - ..................................................

CH(fCVU
Title .

}.I~t~ ..- .

fLMj~.~~lN~~! .
C1i(fCVI,I
Tille

.JOT~
fu1f Nume .............................................

NI') PPCHltU
CMTIIIO
ID No...........................................................

c,..(fC VI,I
Tille

CHO' KY signatures
Specimen of chief vA
CUA Kt ToAN NGU'CJIf)U'ac
Accountant UY OUYtN
& aui'horised Perl/om:

HOT~
F"ll Nal

~~~~P~~ ..............................................................

n,le
CH(fCVl)

~!'9pC~~ .

HO TItN
PUll Name

~JJ~'9pc~~t~ = _ _ ..

C.H(fCVt,J
TIlle

NGU'OI f)U'QC iJy QUVtN CIAO DICH T ~I NH

lnformalion oj authorised Persons for banking:

NGUm LINH TM
f''''' ~ t(cwIo wtllol. pH.lh)f ~"'~~I1f~:~ - .
Nu) PP CnIllI
Cp.rrIllO
ID Nil ............................................................. CMTlHtJ
ID cnItu
NoJ PP Ntl ....

NGA Y cAp 1"101 CAP NGAYCAP 1"101 CAP

(Dull' of issue): ............. (Pluce 11/ iifiii): .. (Dule lifis.~ue): ......................... (Place Ii/Wliiir- .... .. .

MAUDAU THU TRUONG DON Vl KY T~N, eONG DAU

Specimell Stamp Head of argallisalioll:sigllalure alld stamp

Ht,lvill~n / F"II Name

'.iJJi..kbiI.: NglliJi dang kl cM ky uy quy~n va ngL10i dll\7c uy quy~n phai 1;\ ngL10i ciia t6 chlil: rna tai kllOin .

TIlln h;u. uy quyen d6i voi ngum dang IcY. chii' kY dllQ'C liy quyc!n ntu uen eMm dlit khi nglltri Ily quyen chAm dlit vi<;e ily quyc!n hang van ball.
 Mall so UI/)

GIA Y D:ENGHl MO TAl KHOAN - T6 cHiTc

APPLICATION FOR OPENING ACCOUNT - NON INDIVIDUAL S6CIF
Ngay (Dale):u u u.

Kinh ~tii: NGAN HANG TMCP NGO~I THU'ONG VI~T NAM

To VielcomBank

LOM TAl KHoAN:

Type of AIC Required TGTT
Curre/IJ D B6NGJoilU
CHU tla'JUIIl
TAl KHOAN/UlMer D KHA.c
Orller 0
LO~ITlbi:
Currency VND D USD D LO~IKHAc
Olher 0
S6CIF (elF No.)

TtN DON VJ(Cu,\'wmel",r Name)

DJA CHi (Addn.rsJ ........................_ ..............................................

DI~ THO~I (fe/ep/IIJ11eNo.) .m s6 FAX/TELEX (Fax Non'elex No.) ...m

TttN CHU TAl KHOAN (Fld/ IIUl/leof AlC h"lder)

s6 CMT/H emu (10 Nl1IPPNn.)

Quyet djnh thanh ~p DN/ glAy phep ding ky klnh doanh

E.\lablishmenr license No/Business lice1lse Nl1 ........................................................ ~~~: .........................................................

QD b6 nhl~m ehue v\I eua ehu TK 56 Ngay .

The Decixill/luf Ap/W"ntnumt (IfAlC holder N(I. Dure

QD b6 nhl~m ketoin trOng/phl} trach k~J~.'!.~!! ................................................................................. NgaY m

The Decision "f Appointment (If chief Acwllntallf No. Date

Cae giay t<lIi~n quaD khae m Naay ..........................................................

Othcr Related Documenl.l Duce

II Toi eam dosn rAng mQI thOng tiD dU's ra t~i De ngh! nay d~u dung 51! th~t va de ngh! Ngl\n hang mii tHi khllan ehu toi
I hcrl!by dee/are tllat IIle in/tIT/lUJti,mpm!'ided "n tllis opplkation is truthful and kindly requl!st tile Bank IIJ"pen the a('('(>unt/t>l'me.

21 Tol dil d9C, hi'u ro vii dong y toaD bl) cae dieu khoin trong Quy d!nh mil va sit dyng tal khoan dinh kem ~ ngb! nay va tl/ eh iu trlich
nhi~m VC vl~e chi dlnh ngll'Oi dllVe uy quy~n eua t.1chU'emlnh trong Giiiy de ngh! nay.
I /ral'e I'tllld,clCllr!.vundel',rrrmdand agreed I!I/ternrs and conditi,,1IS in Ihe rqu/atiolllJll (lpening and willg acclJunts attachcd to this applicutitln.

31 Tol eam ket eh'u traeh nhl~m quan Iy VB sir d ng till khoin theo qui ehe cUa Nha uric va qui dlnh eua Ngan hang,
Ir.omlll"'''' 'Jperate und manage this u('wunt in uccordancl! with Gm'ernmenr's regulation" uJldrhe &,/;',. rules/or NmJ - /ndividlUli AemulI/.

DANH CHO NGAN HANG(BANK USE ONLY) D~I mN NGAN nANG TMCP NGO~I THU'ONG VN
For ViercomBank
NgAn hang dong y mo TK dong VN so:

TK ngo~i t 56:

Tit ngay(from date):

HQ vii ten I Full Name
Cua KY CUA CUU TAl KuoAN VA NGtfoIDl]'OC UY QUytN:
Specimen signatures of accollnt Holder & authodsed Persons:
HQTN
Full NuttU!

nr.Jt.~19lJI1.t~ _ _ _ .
CHlJCVU
Tille .

IIOT~N
Full NclmJ!

~re~Pl~~! .
CH((CV~J
Till"

HOTN CliO' KY III.lU 1 (.~I'"i

a 1II.1IIIl." l'
FI/1/ Numt'

CMTIII6Clutu
IV NI,.IFP NI' ............................................................

I ill"
~.H((CVV

Specimen CUA KIt ToAN

CHo- KY signatures of chief vA NGU'ol &BU'OC
Accountant UY OUV:EN
auihorisedPe1'8Ons:
HOTtN
Fu1f NUmJ!

nrl~9/1r,,~~! _ m

CU(fCVU
Tille .

HOTtN
Full NanI<'

CMTIH6cmtu
IV No.1 FP N(I ..............

qnrCV\J
Tille

HOT~N
Pu71 Name

~~~PlN~tt~ _ ~ _ m

CH((CV~l
Title

NGtfOI BtfQC UY QUYEN GIAO DICH T ~l NH

In/ormation oj authorised Personsfor banking:

NGtrt'n LINH Tl\f

rw// IV.- at""'" ",idol. pH.""" .... ~iJikf$!!J>~J~ ...... .... .. .. .
CMTIH6Cmtu
CMTIH6cmtu
IV N,,) PP No ................................................................. IV N(I.I PP Nt,..............................................................

NGA V cAp NOJ CAP NGA Y CAP NOJ cAp

(Dule (If issue): .................. (Plue" 1>/ W;'ue;: ... .... ... (Dale ,>/is"ue): ....................... (PIUI'" t>/Wffiir .... .. ..

MAUDAU THU TRU'ONG OON Vl KY TtN, DONG DAU

SIJecimefl Stamp Head of argallisatioll:sigllalure alld stamp

HQ va (tn / full Nallle

.!i.!JJ...!J.J: Ngl1iJi dAng ki chit Icy lil' qul'en va ngl10i dl1QC ill' quy~n phai Ii nglliJi cua to chire lnil lili IehaM.

lll1Ji hiUl Uy quyen d6i vOi ngltiJi dllng ky eM ky dl1QC ill' qul'~n n~u !ren chlim dli'l khi ngl1/ri iil' quyen chdm dli'l vi~c ill' quy~n bAng vAn ball
 Mdll 6'05
S6CIF
GIA Y Dt NGHl THA Y D6I THONG TIN TAl KHOAN T6 CHirC
APPliCATiON FOR iNFORMATION MAiNTENANCE I I
S6TMKHO..\N
Ngay (Date): .
I
KiNH GUI: NGAN HANG TMCPNGO~I THU'ONG VI~T NAM
To VietcomBa"k:

rtN KHAcH HANG(Customer 's oame) ..................................................................................................................................................

T6l mUM tbay d61 m()t sOtboog tin (Cae thOng tin e6 bl~u hIe kllirngay __ ..J_ _J._._.):
f (we) WI>ufdlike In (hullge some informatinn (fli be effectiwfrom

D 1>61 TEN KRAcH

Clwi'ge of N tUItt!
rtNMOI:
New Name
HANG
I .......... J ......... )

D
. Clttlnge of1>61
THAY v~
Resident (YIN)
C TRU (YIN): D
OUVgT
~isjon DINH
number D61 rtN/8Ap NHAP86
. ..................................................................................................
NGAv:
Datt' .
MA 86 rHut MOl (New VAT Number) .............................................................................................

D Chtlllgi! iif Address

1>61DJA CHi KHAcH HANG
~~ !l},!1s?I: .

D re!g;92C~~ld~HOAN: .
k~~e<:1.lf,fcfif....
........ .

~~?/j~~l!. .
~pC VV .

~e.~n~M ~~~Y.. .

D THA
Chanp YqfD61 NGltOIDU'gC
oull_ised UYHOlder
PerSOlIS qf account OUytN CUA CHU TK:

alice
eRUY tile aUll/lif/Zal/l/ll
b,o.\-,y quy~n. dO) vfJI. OJ
O r. Ms}. ..................................
MOg{{Bil) undo.nJ;
va Mr.((MBa
~ .

Sa ,UM
Add tb~mnllWi
iiUlIrCnsed Penons dU'I}'C iiy !Iuyen saUl
WI Follows:

"2JtN .

~~PiN~~U """_'"
CHt'rCVij
Titlt! ................................................

H<,>TtN
Name .

h,~~~pSv~l! .._.... .. .... .. .

CHt'rCVl,l ................................................................
Tille

D THA Y D61 NGU'ClI DU'QC UY QUVEN GIAO DICH TAl NH:

D
Change qf aU/horised Persons for banking

~:ic~
J:i :,~~iz:~;::'J/13N1J:J .
Nhif/nlllt:
Title D LTnh TM
Cashwithd. GioQdich
Banking

84 sun!
Add IMm JlJllrlri
Quilzorlsed duvc.!lY
PersOJls RUYfosau:
as Follows:

NGtJ01 LINn TM
f'gllN.- '>I""'" wi/lid. "" ."' .. ~~U!!!,y~~JJJk. _ .
CMTIHO
lD cmu
Nu.! PP NtJ.................................................. CMTIHOCmtu
'D NoJ PP No ........ - .....................................................
NGAv CAP NOIc,\P NG.\V CAP NOt C,\P
(Dute oj issue).' ................. (Pla('e tif m'iii): ......... ... (DUle afissue). ..................... {Pluce (if i.,.'{iit!): ..............
 D THA Y D61 KE ToAN TRU'ONG:
Change of chief Accountant

HQ T~N _ _ .
N,,",/!

1f3~p1M!:tu .

E"rrc Vl) ....._ .._ ........................................

OD II.
~~ NNIJI~~............................
DecISIon " e
DNG/A..

D THA Y D61 NGlfC11 DlfQC UY QUYEN KE ToAN

Change of authorised Persons of chief Accountant:
TRU'ONG:

~:tc':tlgj:J:J.~~i~'o~fI},PM'-llJ:l
.. ...... ...... }~~l
V:nP~ .... .. .. .. .... ...
B4 ,nng
Add aulhorised
Ihtm nitll'M
Persons
dlfl1l:
Q8 Follows:
liy "ayeR sau:

HQrtN CHV'ICY MAu IIS".- >I-"",, I)

Namr

1f,!~I~p
CJ~~lJ .

cHtrCVlJ
Tille .......................................................................

nJ1l~~p1M!:EtJ .

cU(fCVl) ..........,......................................
Tille

DMAUDAU:
Stamp D Olher Y 1>61KHAC:
THA Challge.r

MAUSt.amp
New DAU MOl:

N gay(Dale ) (JWIIg(momlt) Ildm( year)

THil TRU'bNG DON VI KY TtN, DONG DAu
Head of I@c:e: Signalure <.UId
stamp

HI? va lill/Full Name

NH TMCP NTVN chip nh*n thay d6i cae thOng tin v~ tai khoAnn6i lren k6 tll'ngay / ......../..........
VieicIJm&nkapprm'es Ihe ,,"twe challgesfrom I J Ngay(Dale) Ihdllg(molllli) lIdm(year)
VAl DItN NGAN HANG TMCP NGOAI THU'ONG VN
.. FOR V/EfCOMBANK .

~: - Khl thay dOi thOng tin nao chi e~ danh dau vilo 0 btn c~h tMng tin d6 va ghi cae thOng tin mdi. cac phan khlie d~ IJ'6ng
Only lick off Ille bo:res beside Ille informaliolllille you 11'011110challge & lcey Ille lieII' informalion, llie resl musl be I~l Ba"k
- Khi !bay d6i cae thOng tin v~ ten don vi. chii TK. kt toan tnt<mgIKT. mAudiu can girl tMm eac ban sao cae Quy~t djnh c6
chUng th~e sao y theo quy dinh v~ cOng chUng.
Whetl you wallllo challge such infonnolion as Ihe name of AlC. Ihe cMef AIC holder. Ihe cMef accoulllant. Ihe slamp you
must e"close wilh Ihe copy of each decisioll certified by Ihe public notary .
Nglloi dllng ky chit ky dllqc uy quy~n phiii 18 ngum cua to chue ma tai khOlin.Chli tAi khoan II! chiu tnich nhi~m v~ vic chi dinh
ngum dl1qc uy quy6n cua t6 chile mlnh <II! dAngky v6i Ngan hang.

. Thai h~n uy quyen d6i vm ngllm dang ky eM IcY dlll,Teuy quyen neu tren cham dtlt khi nglli:ri uy quy~n chii'mdlit vic u)' quyen
bllng van ban.
QUY DJNH VE MO vA Si(nVNG TAl KHOANTIEN GUl T~I NHNT
DiSu 1. Cac tir ngii sir d\lng trong Ding ky nay dUVC hi~u nhU' sau:
Tal khoan (TK) la tai khoan tien giri do khach hang (KH) la t& chirc ho~c ca nhfin ma t~i Ngfin hang No~i thuang. TK c6 the Iii
TK cua t& chirc, TK cua ca nhfin, TK dAng chu tai kholm cua cac ca nMn, TK dBng cM tai khoan cua to chirc ho~c TK dBng chu
tai khoan h6n hgp.

Dang chu tai khoan (DCTK): la hai hay nhieu nguai cimg dirng ten ma tai khoan. DCTK c6 th~ la ca nhfin ho~c d~ di~n hqp
phap cua tB chirc ma TK.

Ngan hang (NH): la Ngfin hang Ngo~i thuang.

Dong TK: la vi~c NH d6ng h6.sa TK, s6 TK dii bj d6ng c6 th~ duqc sir d\lng de dling ky cho KH kMc.

Phong toa TK: la vi~c NH t~ dirng mQi giao djch chi tien tren mQt phAn ho~c toan bQ s6 du tren TK.

ChUng tir TK: bao gBm giAy bao Nq, bao C6, ban sao s6 TK, sao ke, giAy bao s6 du TK.

sA dU' tAi thi@u: la s6 tien t6i thi~u chu TK phai duy tri tren TK t~i mQi thai di6m.

sA dU' ctU'CfCphep sir d\lng: la s6 tien KH c6 the sir d\lng d6 chi tieu va thanh toan tir TK cua minh. s6 du dugc phep sir d\lng bAng
s6 du c6 tren TK trir di cac khoan phong toa trir s6 du t6i thi~u cM TK pMi duy trl va cQng vai h~n mirc thAu chi chua sir d\lng
(n8u c6).

DiSu 2. Quy~n va nghia V\l cua cac chu TK:

1. V* Slr d\lng TK phlli tuau thu cac quy djnh cua phlip lu~t va quy ch8 cua NH. Cac DCTK c6 quyen va nghia V\l ngang nhau d6i vm TK
chung va vi~c sir dvng TK phlli c6 sv chAp thu~ cua tAt ca nhiing nguai la DCTK . Cac DCTK duqc uy quyen cho nhau ho~c uy quyen cho
ngum khlic trong vi~c Slr dvng va djnh do~t TK chung trong ph~ vi quy6n va nghia V\l cua minh.
2. C6 quyen Slr d\lng s6 tien tren TK thong qua cac l~nh thanh toan hqp phlip, hqp l~; du<;ycNH ~ mQi dieu ki~n d6 sir d\lng TK cua m1nh
theo cach hi~u qua va an toan nhAt.
3. Dugc Iva chQn va sir dvng cac djch V\l thanh toan phil hqp do NH cung cap.
4. Dugc yeu cAu NH thvc hi~n cac l~nh thanh toan phat sinh hqp phap. hqp l~ trong ph~ vi s6 du du<;ycphep sir dvng.
5. DUllc yeu cAu cung 'cAp cac thong tin ve nhiing giao djch thanh toan va s6 du tren TK cUa m1nh.
6. Dugc yeu cAu NH d6ng ho~c phong toa TK khi cAn thi8t. Dugc thay d&i cach thirc sir d\lng TK neu dugc NH chAp thu~.
7. Duqc huang liii cho s6 tien tren TK theo mirc lID suAt theo quy djnh ~ Dieu 4 - Quy ch~ Ma, sir d\lng va quan ly TK.
8. DU<;JcNH dam bao an toan s6 du tren TK va bao m~t thong tin lien quan d~n TK. giao djch TK theo quy djnh cua phlip lu~t.
9. Dam bao c6 du s6 du t6i thi~u theo quy djnh cua NH va c6 du s6 du dU<;Jcphep Slr d\lng tren TK de thvc hi~n cae I~nh thanh toan hqp phap
va tra Cae khoan phi theo quy djnh cua NH.
10. Tuan thu cae hu&ng dfut cUa NH v6 vi~c l~p cae I~nh thanh tmin va sir d\lng phuang ti~n thanh toan, thve hi~n cac giao djch thanh toan qua
TK, sir d\lng, luan chuyen. luu trii chling tir giao djch, dam boo cae bi~n phap an toan trong thanh toan do NH quy djnh.
11. Tv t& ehire h~h toan. theo doi s6 du tren TK, d6i chi6u vai chling tir TK do NH glri d6n.
12. Cung cAp thOng tin dAy du, hqp phlip, chinh xac. kh&p dung voi hA sa dang ky ma TK ~ NH trong elic giao djch thanh toan. Chju mQi
trach nhi~m v6 nhllng sai s6t hay hllnh vi Igi d\lng, lira dl\o khi Slr dvng djeh V\l thanh toan qua TK do 16i eua mlnh.
13. Thong bao kjp thai v&i NH khi phat hi~n thAy sai s6t, nhdm Iftn tren TK cua minh ho~c TK ciia m1nh bj lqi d\lng. Hoan tra ngay cho NH
nhiing kholm ghi C6 khong phlli cUa m1nh khi phat hi~n ra vi~ h\lch toan sai ho~c khi nMn duqc thOng bao cua NH ma khong chling minh
duqc quy6n th\l huang kholln tien d6.
14. DCTK duge uy quy8n nh~n thong bao cua NH lien quan d6n TK c6 trlich nhi~m thong bao l~ v&i cac DCTK khlie; thong blio glri cho
DCTK duqc uy quyen nh~ thong bao duge coi nhu thong Mo t&i tat ea cac DCTK.
15. Khong duqc cho thue. eho muqn TK, khong du<;ycSlr dl,lOgTK cua m1nh cho cac giao djch thanh toan d6i vm nhOng kholln ti6n dii c6 b~g
chling ve nguAn g6c bAt hqp phap ..
DiSu 3. Quy~n va trach nhi~m cua ngan hang
1. Duqc t\l d{lng trfch TK eua KH trong cac truang hqp sau:
}> Clic khoan ng d8n h~n, qua h\ln, cae kholln lID, chi phi hqp l~ khac phlit sinh trong qua trinh qulln ly TK va cung ling djch V\l thanh toan
theo quy djnh;
}> Cac nghia V\l thanh toan theo quy8t djnh cua ca quan nha nuac c6 thAm quy6n bUQc cM TK phlli thanh toan;
}> Phat hi~n dii ghi C6 nhdm vao TK cua KH;
}> Chuy8n tra Ngfin hang tra tien trong truimg hqp KH khong chling minh duqc quy6n sa hOn hqp philp eua m1nh d6i vm kholln tien d6
trong thai gian I thang k8 tir ngay e6 thong bao eua NH;
}> Cae truimg hqp khlic theo tho~ thu~n giil'a KH va NH.
2. C6 quyen tir ch6i thvc hi~n cac I~nh thanh toan eua KH trong cac wang hqp sau:
}> KH khong thvc hi~n dAy du cac yeu cAu v6 thu t\lc thanh toan, l~nh thanh toan kh6ng hqp l~, khOng dung vm eac yeu t6 dii dang ky
ho~ khong phU hqp vm eac thoa thu~ giii'a NH va KH;
}> KH khong c6 du s6 du duc;rcphep Slr d\lng d8 dam bao eho vi~c thvc hi~n cae l~nh thanh toan;
}> Khi c6 yeu cAu b~g vlin ban cUa ca quan nha nuoe c6 thAm quy8n.
3. Trong truang hqp phlit hi~n nguai sir dl,mg TK vi ph~ cac quy djnh hi~n hanh ho~c thoa thu~ dii c6 v&i NH, e6 dAu hi~u vi ph\lm phlip
l~t, NH c6 quy6n kh6ng th\fC hi~n cac yeu cAu Slr d\lng djch V\l thanh toan eua KH, gi(j l\li tang v~t va th6ng boo ngay v&i c~p c6 thAm
quy6n xem xet va xir IY.
4. Phong toa, d6ng, chuyen d&i ho~e tat toan sa du TK theo quy djnh.
5. Dugc quy djnh cae bi~n phlip dam boo an toan trong thanh toan toy theo yeu cAu va ~c thi! hO\lt dQng cUa NH.
6. Yeu cAu KH cung cAp tMng tin c6 lien quan khi thvc hi~n djchvv thailh toan theo quy djnh.
7. Ph\l1 KH do vi ph~ cac quy djnh v6 sir dvng TK dii thoa th$ ho~e dii c6 quy djnh.
8. Ht.r6ng din KH th\lC hi~n dung quy dinh v~ I~p h6 sa ma TK, IfP chUng tit giao dich va cae quy djnh co lien quan trong vi~ sir d\IDg TK.
Ngin hang c6 traeh nhi~m ph8t hi~n va diBu chinh kip thOi c6c TK ma sai hoJc sir d\mg chua chlnh dc.
9. Th\lC hi~n dAy du, kjp thOi cac I~nh thanh t06n, c6c yeu cAu sir d\lng TK cua KH phii hQ'P v6i quy djnh va thoa thUfn giQa NH va KH. Kiem
soat c6c I~nh thanh toan cua KH, dam bao IfP dung thu t\lC ~uy dinh, hqp phap, hqp I~ va kh6p dung v6i c6c yau t6 dll dAng ky, cung Ung ddy
du, kjp thOi cac lo~i djch V\l, phuang ti~n thanh t06n cdn thiet ph\lc V\l nhu cdu giao djch cUa KH.
10. ThI,lChi~n h~h toan thoo nghi~p V\l kinh tB phlit sinh vao TK KH tren ca sa cac chUng tir k~ t06n hqp phap, hqp I~ nhfn dtrqc, di~u chinh cac
khoan m\1c bj h~h toan sai, h~ch toan khong dung ban chdt hoJc khong phii hqp v6i nQi dung su d\lng TK thoo quy djnh. Tnrong hqp lo~
tiBn chuy~n dan khac v6i. lo~i tiBn KH dang ma TK ~ NH va KH khong co thoa thufn NHNT t\l ma TK kh6ng IcYh~, NH s~ t\l dQng
chuy8n dBi sang lo~i tiBn KH dang ma TK de h~ch toan vao TK cua KH.
11. Cung cdp dAy du ~i dia di~m giao djch cUa NH chUng tit TK thOOthoa thu~n cua NH va chu TK, thong Mo kjp thOi thOng tin vB TK thoo
quydjnh.
12. Dam boo an toan s6 du tren TK va blio mft thong tin lien quan dan TK, giao djch Wn TK thee quy djnh cua phap lu~t.
13. Niem yat cong khai cac quy djnh vB ma TK va sir d\IDg TK.
14. Chiu trlich nhi~m nhiing thi~t h~, vi ph~, lqi d\1ng Wn TK cua KH do I~i clla minh.
I)i@u 4. Quin Iy TK
1. Dia didm giao dich:
KH chi th\lC hi~n ~ NH ma h6 sa KH (nai ma t8.i khoan du tien): yeu cAu thay dai thong tin KH;
KH chi thl,lChi~n ~ NH nui ma TK nhiing giao djch: Yeu cAn thay dbi thong tin TK; Yeu cAu uy quyen sir d\1ng TK co thiri h~n;
Thong Mo huy b6 nQi dung uy quyBn co thiri h~n; yeu cAu dong TK khong IcYh~n.
KH co the dan bdt ky Chi nhanh nao cua NH d~ th1,1'C
hi~n cac giao djch khlic ngom cac giao dich Wn.
2. sa du TK t6i thidu: Cac CM TK phai duy trl tren TK s6 du tai thieu thee quy dinh cua NH la 1.000.000 d6ng/300 USD (hoJc s6 tien bdng
ngo~i t~ tuang duang d6i v6i. TK t6 chirc va 100.000 d6ngl30 USD ho~c ngo~ t~ tuang duang d6i v6i TK ca nhin.
3. TMu chi: Chu TK c6 th~ sir d\lng h~ mirc thdu chi nau co thoa thu~n thdu chi v6i NH. H~ mire thdu chi, phI va Illi thAu chi va cac van de
lien quan khlic th1,1'C
hi~n thee thoa thufn gifra clic CM TK va NH phii hQ'Pvai cac quy dinh cua NH.
4. Liii suJt: KH duQ'c huang Iii tren s6 du C6 thee mirc Iii sudt tiBn girl do NH cong b6 trong timg thai kY.
5. Phf quan Iy TK, ph( giao dich TK va cac khoan phi lien quan khae: thee bieu phi do NH c6ng b6 thoo timg thOi ky ho~c theo clic thoa thufn
rieng v6i NH.
6. Bao n{1,bao co. sao ke, cung cJp thOng tin vJ TK: NH co trach nhi~m cung cAp dAy du chUng tir TK thee dung thai gian va ~huang thirc dli
thoa thufn. Chu TK co the yeu cAu NH cung cdp th6ng tin TK dQt xuAt va phai thanh tolin phI cung cAp th8ng tin TK dQt xuat thoo bieu phi
cua NH trong timg thOi kY.
7. Khi t6 ehUc co TK cMm dli1 hO(lt dQng theo quy dinh cua phap lU(it: TK s~ dllQ'Cd6ng, phdn s6 du tren TK cua tB chirc co TK chAm dirt
ho~t dQng s~ duqc chi tra theo yeu cAu cua tB chi.rc do hoJc cua Toa an, phdn s6 du con I~ chi tra thee yeu cAu cUa cac DCTK khac (dai v6i
tai khoan d6ng cM tai khoan).
8. Khi Chit TK la cd nhiln eMt. bi tuyen bt5 lo mcft tich. h(ln cM hO(lc mJt nang IlK hank vi dlin sv: TK s~ duQ'c d6ng, sA du tren TK duQ'c chi
tril thoo yeu cAu cua nguOi thira k, nguOi gilim hQ hqp pMp cua CM TK d6, theo yeu cAu ~ ban an ho~c thee nQi dung Quyt dinh clla co
quan co thdm quyBn.
Di@u 5. Phong toa va dong TK
1. Phong toa TK
NH duqc quyBn phong toa TK mQt phdn hoJc toan bQ s6 tiBn c6 tren TK trong cac tmiJng hqp sau:
~ Khi co thoa thufn bdng vAn ban cua Chu TK ho~c cua tAt ca cae DCTK;
~ Khi co quyt djnh ho~c yeu cAu bdng vAn ban ctia nguOi co thdm quyBn thoo quy djnh ctia pMp lu~t;
~ Phong toa phfut s6 du thoo quy cha djch V\1NH khi DCTK c6 yeu cAu;
~ Phong toa phdn s6 du tuong dllang v6i. khoan ghi Co vao TK truac d6 khi pUt hi~n thong tin tren I~nh chuyen tin ,ve nguai
huang khoan tiBn dli ghi C6 co mau thuin, chua ra rang hoJc khi NH tril tien co yeu cAu tra I~i tiBn.
Truang hqp phong toa TK kh8ng do chu TK yeu cAu, NH phlii girl th6ng Mo cho CM TK va vi~ phong toa TK. _
hi~n thoo dung nQi dung phong toa. s6 tiBn bi phong toa phlii duQ'CbAo toan va
Vi~c Slr d\1ng TK trong thai gian phong toa duqc th1,1'C
kiem soot cMt theo nQi dung phong toa va vin duQ'c huang llii thoo quy djnh cua NH. TruOng hQ'PTK bj phong toa mQt phan thl s6 tien
kh8ng bi phong toa vin duQ'c su d\lng nhu blnh thtriYng.
Vi~c phong toa TK chdm dirt:
~ Theo quy djnh trong thoa thu~n phong toa TKgiiia clic DCTK va NH;
~ Khi nguOi co thdm quyBn thee quy djnh ctia phlip lu~ ra quyt djnh hoJc yeu cAu chAm dirt vi~ phong toa;
~ Thoo quy djnh vB djch V\l NH ma cM TK yeu cau;
~ Dll lam ro mau thu1nldiem chua ro rang tren I~nh chuyen tien vB th8ng tin ngum huang khoan tiBn dli ghi C6 vao TK wac d6.
2. DongTK
NH duQ'c quyBn d6ng TK trong cac wang hqp sau: Khi c6 yeu cAu bdng vAn ban ctia cM tai khoon ho~ tAt ca cac f.>CTK (tmiJng hqp
TK OCTK); Khi TK kh8ng con &6 du va kh8ng hO\lt dQng trong 12 thling lien t\1C;
Khi dong TK, NH duQ'c tI,ldQng trfch nQ'TK de thanh toan cae khoon phI khae thee bieu phI clla NH.
Sau khi d6ng, s6 du con ~i tren TK duqc xu Iy: theo yeu cAu cua c6c cM TK ho~c theo nQi dung ~i diem 7. diem 8 DiBu 4;
Di@u 6. Uy quy~n sli d\lng TK:
KH c6 the uy quyBn cho nguOi kh6c Slr d\lng TK thoo tirng Ian (timg Idn giao djch) ho~c co thOi h~ thee tM t\lC va quy djnh cua NH.
Trong thai gian uy quyBn, ngum duQ'c uy quyn c6 dAy du quy~n va traeh nhi~m nhu chu TK.
Th8ng blio huy uy quyBn c6 thOi h~n cUa chu TK chi co hi~u I\lc dAi vai NH khi NH dli dua toan bQ th8ng tin huy uy quyBn len m~g
may tlnh va trong mQi wOng hqp kh8ng qua 24 gia ke tu thOi diem NH nhfn duqc Th8ng Mo huy uy quy~n cua cM TK.
Di@u 7. Giii quySt tranb chip
Nau co bAt ky tranh chAp nao phat sinh ho~c lien quan dan v* ma, sir d\1ng va quan Iy TK thl cac CM TK va NH tnrac ht sa cling
nhau gilii quyat th6ng qua thtrang IUQ'Dg,hoa gilii. Trong wOng hqp hoa gilii kh6ng thanh, cae ben c6 quyBn dua V\l tranh chAp do ra
Toa lin c6 thdm quySn a Vi~t Nam d~ gilii quyat.