Hướng dẫn Dịch vụ, Điều khoản và Điều kiện, và Sổ tay dịch vụ KBank Connect (Vietnam)

Service Instructions, Terms and Conditions, and Handbook of KBank Connect (Vietnam)

Người yêu cầu Dịch Vụ với tên xuất hiện ở đây và chữ ký đăng ký của họ trong đơn này (“Người Đăng Ký”) đồng ý sử dụng dịch vụ KBank Connect (Vietnam) hoặc được đổi tên phù hợp bởi Ngân hàng đại chúng TNHH KASIKORNBANK – Chi nhánh Thành phố Hồ Chí Minh ("KBank”) theo các chi tiết sau đây:

The applicant whose name appears herein and who has affixed their signature in the application form (the “Applicant”) agrees to use the KBank Connect (Vietnam) or to be renamed as deemed appropriate by KASIKORNBANK PUBLIC COMPANY LIMITED – Ho Chi Minh City Branch (“KBank”) under the following details:

Tư vấn dịch vụ, điều kiện và hướng dẫn sử dụng dịch vụ chung Service Advice, Conditions and Manual for General Service

1. Tiêu chí và điều kiện

1. Criteria and conditions

1.1 Khi Người Đăng Ký hoàn tất việc đăng ký /hồ sơ Dịch Vụ theo các quy trình mà KBank yêu cầu, KBank sẽ thông báo cho Người Đăng Ký về kết quả đăng ký đồng thời thiết lập ngày Dịch vụ có hiệu lực qua các kênh do KBank chỉ định.

1.1 Once the Applicant completes the registration/application of the Service per the processes required by KBank, KBank shall notify the Applicant of the registration/application result and schedule the effective date of the Service via the channels determined by KBank.

“Người Dùng” đề cập đến người được Người Đăng Ký chỉ định làm Người Liên Hệ và / hoặc điều phối viên với Quản Trị Viên, Người Tạo Lệnh, Người Phê Duyệt, Kế Toán Trưởng và / hoặc người được ủy quyền bởi Người Đăng Ký/ Kế Toán Trưởng. Người Đăng Ký có thể thay thế những người đó bằng cách thông báo trước cho KBank theo các phương thức được quy định trong Điều khoản và Điều kiện này.

The “User” refers to the person specified by the Applicant as a Main Contact Person and/or coordinator with Administrator, Maker, Approver, Chief Accountant and/or the person authorized by the Applicant/Chief Accountant. The Applicant may replace those persons by notifying KBank in advance per the methods set forth in these Terms and Conditions.

1.2 Nếu Người Đăng Ký và / hoặc Người Dùng sử dụng ID Người Dùng hoặc Mật khẩu, Mã PIN thiết bị bảo mật, Mật khẩu dùng một lần (OTP) và / hoặc bất kỳ công cụ nào khác để đăng nhập vào Dịch vụ, bao gồm nhưng không giới hạn đối với, chuyển tiền vào / ra từ (các) tài khoản (sau đây được gọi là “Công Cụ Chuyển Tiền”, Người Đăng Ký đồng ý với những điều sau:

1.2 If the Applicant and/or the User uses the User ID or Password, PIN Token, One Time Password (OTP), and/or any other tool to log in to the Service, including but not limited to, inward/outward funds transfer from the account(s) (hereafter referred to as the “Funds Transfer Tools”), the Applicant agrees to the following:

1.2.1 Nếu Người Đăng Ký được chấp thuận sử dụng Dịch vụ, KBank sẽ gửi Công Cụ Chuyển Tiền qua các kênh truyền dữ liệu của Người Đăng Ký và / hoặc Người Dùng được chỉ định bởi KBank. Trong lần đăng nhập đầu tiên, Người Đăng Ký sẽ được yêu cầu thay đổi mật khẩu của Công Cụ Chuyển Tiền. “Kênh tiếp nhận thông tin” đề cập về địa chỉ email, số điện thoại di động và / hoặc dịch vụ / kênh khác mà Người Đăng Ký đã đồng ý với Kbank

1.2.1 If the Applicant has been approved to use the Service, KBank shall send the Funds Transfer Tools via data transmission channels of the Applicant and/or the User as determined by KBank. Upon the first log in, the Applicant will be required to change the password of Funds Transfer Tools. “Channel for Receiving Information” refers to email address, mobile phone number and/or other service/channel that the Applicant has agreed with KBank.

1.2.2 Nếu KBank yêu cầu việc sử dụng Dịch Vụ, dù toàn bộ hay một phần, phải được thực hiện thông qua Công Cụ Chuyển Tiền, Người Đăng Ký phải thông báo cho KBank về Công Cụ Chuyển Tiền theo yêu cầu của Kbank

1.2.2 If KBank requires that the use of Service, whether in whole or in part, must be made via the Funds Transfer Tools, the Applicant is required to notify KBank of the Funds Transfer Tools as required by KBank.

1.2.3 Người Đăng Ký phải bảo vệ Công Cụ Chuyển Tiền và xem chúng là thông tin bí mật. Người Đăng Ký phải đảm bảo rằng Người Dùng thực hiện các giao dịch tuân thủ một cách nghiêm túc các Điều khoản và Điều kiện này. Người Đăng Ký xác nhận rằng việc tiết lộ thông tin Công Cụ Chuyển Tiền sẽ được xem là không tuân thủ các Điều khoản và Điều kiện này. Trong trường hợp có bất kỳ thiệt hại nào gây ra bởi việc tiết lộ do Người Đăng Ký và / hoặc Người Dùng gây ra hoặc bất kỳ hành động

nào khiến Công Cụ Chuyển Tiền bị một người khác không được ủy quyền biết hoặc có được, hoặc bị mất, Người Đăng Ký phải chịu trách nhiệm về thiệt hại đó trước khi KBank tiến hành thu hồi hoặc tạm dừng Công Cụ Chuyển Tiền. Người Đăng Ký có thể tự mình thay đổi Công Cụ Chuyển Tiền bất kỳ lúc nào, phù hợp với các điều kiện do KBank quy định.

1.2.3 The Applicant shall keep the Funds Transfer Tools safe and treat them as confidential. The Applicant must ensure that the User conduct transactions strictly in compliance with these Terms and Conditions. The Applicant acknowledges that disclosure of the Funds Transfer Tools shall be treated as failure to comply with these Terms and Conditions. In case of any damage that results in disclosure caused by the Applicant and/or the User or any action that has caused the Funds Transfer Tools

to be known or acquired by other persons, or lost, the Applicant shall be responsible for such damage before KBank proceeds to attach or suspend the Funds Transfer Tools. The Applicant may change the Funds Transfer Tools on their own, at any time, in accordance with conditions prescribed by KBank.

1.2.4 Nếu Công Cụ Chuyển Tiền bị mất / bị đánh cắp / bị ngưng sử dụng do Người Đăng Ký không chỉ định Công Cụ Chuyển Tiền theo số lần được xác định bởi KBank

/ quên Công Cụ Chuyển Tiền hoặc Công Cụ Chuyển Tiền đã đến hạn sử dụng để thay thế, Người Đăng Ký có thể thông báo đến số điện thoại Trung Tâm Dịch vụ Khách hàng của Kbank theo số: (00) 00 0000 0000 hoặc tại chi nhánh KBank trong giờ làm việc.

1.2.4 If the Funds Transfer Tools are lost/stolen/suspended because the Applicant fails to specify the Funds Transfer Tools per the number of times determined by KBank/forgot the Funds Transfer Tools, or the Fund Transfer Tools have reached their due date for replacement, the Applicant may notify KBank Contact Center Tel.

(00) 00 0000 0000 or at KBank branch during business hours.

1.2.5 Người Đăng Ký có thể hủy hoặc tạm ngưng Công Cụ Chuyển Tiền hoặc các giao dịch chuyển tiền đã lên lịch, hoặc có thể tạm dừng Dịch vụ bằng cách liên hệ với Trung Tâm Dịch vụ Khách hàng của Kbank theo số: (00) 00 0000 0000 hoặc tại chi nhánh KBank trong giờ làm việc. KBank sẽ hoàn thành yêu cầu như sau:

1.2.5 The Applicant may revoke or suspend the Funds Transfer Tools or scheduled funds transfer transactions, or may suspend the Service by contacting KBank Contact Center Tel. (00) 00 0000 0000 or at KBank branch, during business hours. KBank shall complete the request as follows:

1.2.5.1 Thu hồi lại hoặc tạm dừng việc sử dụng Công Cụ Chuyển Tiền trong vòng 24 giờ (Ngày làm việc) sau khi KBank nhận được chỉ dẫn hoặc thông báo đầy đủ từ Người Đăng Ký.

1.2.5.1 Revoke or suspend the use of Funds Transfer Tools within 24 hours (Business Day) after KBank has received the complete instruction or notification from the Applicant.

1.2.5.2 Tạm dừng dịch vụ: Phù hợp với mốc thời gian đã thiết lập của KBank cho từng dịch vụ

1.2.5.2 Suspend services: In accordance with KBank’s established timeline for each service

1.2.6 Người Đăng Ký đồng ý rằng địa chỉ e-mail của Người Liên Hệ, Quản Trị Viên, Người Phê Duyệt và Kế Toán Trưởng do Người Đăng Ký cung cấp có thể được sử dụng như một kênh liên lạc để gửi giao dịch tài chính hoặc chỉ dẫn và tài liệu bổ sung cho KBank trong mọi tình huống bất thường xảy ra nhằm đảm bảo cho việc hoạt động liên tục

1.2.6 The Applicant agrees that e-mail address of the Main Contact Person, Administrator, Approver and Chief Accountant provided by the Applicant can be used as a communication channel to submit financial transaction or instruction and supporting document to KBank in all unusual situations for Business Continuity Plan (BCP)

1.2.7 Để đảm bảo tính bảo mật, Người Đăng Ký phải tránh chỉ định cùng một người đồng thời làm NgườiLiên Hệ, Quản Trị Viên, Người Phê Duyệt, Kế Toán Trưởng và nhóm người dùng cuối (Người Xem, Người Tạo Lệnh và Người Xác Minh) và tránh đưa Công cụ chuyển tiền cho Người Liên Hệ, Quản Trị Viên, Người Phê Duyệt, Kế Toán Trưởng và nhóm người dùng cuối (Người Xem, Người Tạo Lệnh và Người Xác Minh) nếu họ đều là cùng một người.

1.2.7 To ensure security, the Applicant shall avoid nominating the same person to serve as the Main Contact Person, Administrator, Approver, Chief Accountant and end users group (Viewer, Maker and Verifier) and avoid giving the Funds Transfer Tools to the Main Contact Person, Administrator, Approver, Chief Accountant and end users group (Viewer, Maker and Verifier) if they are all the same person.

1.3 Người Đăng Ký cho phép Người Dùng thay mặt Người Đăng Ký để sử dụng Dịch Vụ theo các Điều khoản và Điều kiện này. Người Đăng Ký đồng ý rằng hành động của Người Dùng sẽ ràng buộc Người Đăng Ký theo mọi khía cạnh, và hành vi đó (bao gồm nhưng không giới hạn ở việc giải ngân / rút tiền từ (các) tài khoản, chuyển tiền, ghi nợ tài khoản, yêu cầu điều chỉnh / thay đổi / bổ sung dịch vụ và chấp nhận bất kỳ thay đổi / điều chỉnh / bổ sung dịch vụ / phí / phí dịch vụ / chi phí / phí phạt / thuế

/ điều kiện dịch vụ mà KBank đã thông báo qua các kênh khác nhau), và gửi bất kỳ chứng từ nào khác thông qua KBank Connect (Vietnam), bất kể đó là hành động của Người Đăng Ký, Người Dùng hay bất kỳ người nào khác, vì bất kỳ lý do gì, sẽ được xem là đúng và đầy đủ và giao dịch đó có giá trị ràng buộc đối với Người Đăng Ký như thể chính Người Đăng Ký thực hiện. Điều này cũng được xem là Người Đăng Ký đã đưa ra mật mã xác thực đến KBank để làm bằng chứng cho thấy giao dịch được thực hiện hoàn toàn và chính xác kể từ thời điểm giao dịch được xác nhận, theo đó Người Đăng Ký không thể hủy bỏ hoặc thay đổi. Người Đăng Ký đồng ý rằng KBank

có thể sử dụng dữ liệu giao dịch đó làm bằng chứng gốc và hợp pháp của giao dịch do Người Đăng Ký thực hiện và cho bất kỳ thủ tục pháp lý nào về mọi mặt.

1.3 The Applicant authorizes the User to act on behalf of the Applicant to use the Service under these Terms and Conditions. The Applicant agrees that the User’s act will bind upon the Applicant in all respects, and such act (including but not limited to disbursement/withdrawal from account(s), funds transfer, account debit, request to amend/change/add services, and acceptance to any change/amendment/addition of service/fees/service fees/expenses/penalty fees/taxes/service conditions that KBank has informed via various channels), and submit any other documents via KBank Connect (Vietnam), regardless of whether it is the act of the Applicant,

User or any other person, for whatever reason, shall be considered as correct and complete and such transaction is binding upon the Applicant as if it were undertaken by the Applicant. It is deemed that the Applicant has given the authentication passcode to KBank as evidence that the transaction is conducted completely and

accurately from the time the transaction is confirmed, whereby the Applicant cannot make any cancellation or change. The Applicant agrees that KBank may use such transaction data as the original and legal evidence of the transaction conducted by the Applicant and for any legal proceeding in all respects.

1.4 Người Đăng Ký chấp nhận và thừa nhận các rủi ro liên quan đến việc sử dụng dịch vụ qua các kênh điện tử vì Người Đăng Ký có thể tự thực hiện giao dịch mà không cần bất kỳ tài liệu bắt buộc hoặc bằng chứng nào khác để xác nhận hoặc nộp cho KBank. Điều này ngoại trừ các giao dịch mà KBank yêu cầu Người Đăng Ký phải xuất trình tài liệu hoặc bằng chứng bổ sung phù hợp với phương thức và quy trình của KBank trong các vấn đề tương ứng. Người Đăng Ký phải luôn xác minh tổng số của từng mục sau khi hoàn thành một giao dịch

1.4 The Applicant accepts and acknowledges risks related to the use of service via electronic channels because the Applicant can conduct the transaction on their own without any required documentation or other evidence to confirm/submit to KBank. This is with the exception of transactions that KBank requires the Applicant to produce additional document or evidence in accordance with KBank’s methods and procedures in their respective matter. The Applicant shall always verify the sum of each item after completing a transaction

1.5 Đối với các yêu cầu sau đây, Người Đăng Ký vui lòng liên hệ với Trung Tâm Dịch vụ Khách hàng theo số. (00) 00 0000 0000 hoặc tại bất kỳ chi nhánh nào của KBank trong giờ làm việc để tiến hành thực hiện tuân thủ các quy trình đã thiết lập của KBank.

* Thay đổi thông tin chi tiết của Người đăng ký, Người dùng, Dịch vụ và / hoặc tài khoản ngân hàng được liên kết dịch vụ.

* Đặt lại Mật khẩu và / hoặc mở khóa ID người dùng của Quản Trị Viên, Người Phê Duyệt hoặc Kế Toán Trưởng

* Thông báo để tạm ngưng việc sử dụng dịch vụ

* Hủy việc tạm ngưng các dịch vụ và / hoặc chấm dứt việc sử dụng dịch vụ

1.5 For the following requests, the Applicant is required to contact KBank Contact Center Tel. (00) 00 0000 0000 or at any KBank branch during business hours to proceed with the following, in compliance with KBank’s established processes.

• To change details of the Applicant, User, Service and/or bank account linked with the service.

• To reset Password and/or unlock user ID of Administrator, Approver or Chief Accountant user

• Notify to hold the use of services

• Unhold the services and/or terminate the use of service

1.6 Người Đăng Ký có thể xem ghi nhận của các giao dịch thanh toán cho hàng hóa / dịch vụ và / hoặc chuyển khoản có hiệu lực trở về trước. Người Đăng Ký sẽ nhận được Chứng Từ Giao Dịch của giao dịch thanh toán cho hàng hóa / dịch vụ và / hoặc chuyển tiền thông qua các kênh do KBank chỉ định.

“Chứng Từ Giao Dịch” có nghĩa là tài liệu minh chứng như ghi nhận giao dịch, hóa đơn hàng hóa / dịch vụ, chỉ thị chuyển tiền, bản sao kê và bất kỳ chứng từ nào khác được tạo ra từ máy tính và bất kỳ phương tiện lưu trữ dữ liệu nào khá, hoặc bất kỳ chứng từ nào khác sẽ được quy định hoặc công nhận bởi Ngân hàng Nhà nước Viêt Nam (NHNN) hoặc bất kỳ cơ quan nhà nước có thẩm quyền nào của Viêt Nam.

1.6 The Applicant may view record of payment transactions for goods/services and/or funds transfer retroactively. The Applicant will receive the Transaction Evidence of payment transactions for goods/services and/or funds transfer data through channels determined by KBank.

“Transaction Evidence” means an evidential document such as transaction record, invoice for goods/services, funds transfer request, statement and any other evidence generated by computer and any other data storage media, or any other evidence to be determined or recognized by State Bank of Vietnam (SBV) or any other competent authorities of Vietnam in the future.

1.7 Trong trường hợp Người Đăng Ký đăng ký Gói Truy Vấn Tài Khoản áp dụng cho (các) tài khoản của Công Ty Con, Người Đăng Ký phải thực hiện theo các điều kiện sau đây:

1.7 In case of applying Account Inquiry Package for account(s) of the Applicant’s Subsidiary, the Applicant must proceed according to the following conditions:

1.7.1 Một công ty được coi Công Ty Con của Người Đăng Ký nếu thuộc một trong các trường hợp sau đây: (i) Người Đăng Ký sở hữu trên 50% vốn điều lệ hoặc tổng số cổ phần phổ thông của công ty đó; (ii) Người Đăng Ký có quyền trực tiếp hoặc gián tiếp quyết định bổ nhiệm đa số hoặc tất cả thành viên Hội đồng quản trị, Giám đốc hoặc Tổng giám đốc của công ty đó; hoặc (iii) Người Đăng Ký có quyền quyết định việc sửa đổi, bổ sung Điều lệ của công ty đó.

1.7.1 A company shall be considered as a Subsidiary of the Applicant if it satisfies one of the following conditions: (i) the Applicant holds more the 50% of charter capital or total ordinary shares of that company; (ii) the Applicant has the right to directly or indirectly designate most or all of the members of the Board of Directors and Director/General Director of that company; or (iii) the Applicant has the right to decide the amendment to that company’s charter.

1.7.2 Người Đăng Ký phải sắp xếp để Công Ty Con đóng dấu chữ ký của mình vào thư chấp thuận, theo định dạng do KBank quy định, để cho phép KBank cung cấp thông tin của Công Ty Con cho Người Đăng Ký, bao gồm nhưng không giới hạn ở thông tin định danh, thông tin về số dư tài khoản, thông tin về tài sản gửi, thông tin về giao dịch và bất kỳ thông tin khác có liên quan đến tài khoản giữa Công Ty Con và KBank. Người Đăng Ký đồng ý và xác nhận rằng KBank chỉ cung cấp Gói Truy Vấn Tài Khoản khi nhận được văn bản chấp thuận được ký kết hợp lệ từ Công Ty Con như quy định ở trên.

1.7.2 The Applicant shall procure the Subsidiary to execute and deliver a letter of consent, in accordance with the format specified by KBank, to authorize KBank to provide information related to the the Subsidiary’s account(s) to the Applicant, including but not limited to identification information, information related to balance to the credit, transaction information and any other relevant information between the Subsidiary and KBank. The Applicant agrees and acknowledges that KBank will only provide Account Inquiry Package upon the receipt of the duly executed letter of consent by the Subsidiary as mentioned above.

1.7.3 Trong trường hợp Công Ty Con đã hủy bỏ hoặc thu hồi sự chấp thuận cho Gói Truy Vấn Tài Khoản, Người Đăng Ký phải ngay lập tức thông báo [bằng văn bản] cho KBank.

Tuy nhiên, trong trường hợp KBank đã được thông báo về việc hủy bỏ hoặc thu hồi như trên và không thể cập nhật thông tin trên hệ thống làm việc của Kbank đúng giờ, vì bất kỳ lý do gì, và nếu KBank đã nhận được bất kỳ chỉ thị hoặc thông báo nào từ Người Đăng Ký, và đã thực hiện cung cấp thông tin tài khoản của Công Ty Con cho Người Đăng Ký bằng bất kỳ cách nào, Người Đăng Ký đồng ý rằng hành động của KBank được thực hiện một cách hợp lệ và Người Đăng Ký phải chịu trách nhiệm trực tiếp trước Công Ty Con.

1.7.3 In case the Subsidiary company has canceled or revoked the consent for Account Inquiry Package, the Applicant must send a written notification to KBank immediately.

However, in case KBank has been notified of the cancellation or revocation per the above paragraph and is unable to update the information on KBank’s work

system on time, for whatever reason, and if KBank has received any instruction or information from the Applicant, and has provided account information of the Subsidiary company to the Applicant in whatever manner, the Applicant agrees that KBank’s act is duly undertaken and the Applicant shall be directly responsible

toward the Subsidiary.

1.8 Người Đăng Ký đồng ý và chấp thuận cho KBank ghi nợ tài khoản của Người Đăng Ký được chỉ định trong Đơn Đăng Ký và cho phép KBank thực hiện các giao dịch và / hoặc thực hiện hoạt động theo các Điều khoản và Điều kiện của dịch vụ này mà không cần thông báo trước. KBank sẽ gửi bằng chứng ghi nợ tài khoản cho Người Đăng Ký.

1.8 The Applicant agrees to give consent to KBank to debit the Applicant’s account specified in the Application Form and to allow KBank to conduct transactions and/or undertake operations per the Terms and Conditions of this service without prior notice. KBank shall send evidence for account debit to the Applicant.

1.9 Người Đăng Ký đồng ý rằng KBank và Người Đăng Ký phải tuân theo luật, quy tắc, quy định, lệnh, sổ tay, yêu cầu hợp tác và / hoặc bất kỳ yêu cầu nào của Ngân hàng Nhà nước Việt Nam (NHNN), Ngân hàng Thái Lan (BOT), tòa án, cơ quan quản lý và giám sát của KBank (tùy từng trường hợp) ở hiện tại và / hoặc trong tương lai (gọi chung là “Luật và Quy định có liên quan”). Vì vậy, bất cứ khi nào có thay đổi trong Luật và Quy định có liên quan, Người Đăng Ký đồng ý tuân thủ các Luật và Quy định này ngay lập tức, trong đó Kbank sẽ thông báo đến cho Người đăng ký. Nếu Người Đăng ký không tuân thủ và dẫn đến việc phát sinh tiền phạt, phí thiệt hại và / hoặc các chi phí khác thu được từ KBank, Người Đăng ký đồng ý chịu trách nhiệm thanh toán các khoản tiền phạt, phí thiệt hại và / hoặc chi phí đó với KBank ngay tức thì.

1.9 The Applicant agrees that KBank and the Applicant shall be subject to laws, rules, regulations, orders, handbooks, requests for cooperation and/or any requirement of the State Bank of Vietnam (SBV), the Bank of Thailand (BOT), court of law, regulatory and supervisory agencies of KBank (as the case may be) at present and/or in the future (collectively referred to as “Related Law and Regulations”). Therefore, whenever there is any change in Related Law and Regulations, the Applicant agrees to comply with the Related Law and Regulations without delay, of which KBank shall give notice to the Applicant. If the Applicant fails to comply therewith and non-compliance has resulted in fines, damage fees and/or other expenses collected from KBank, the Applicant agrees to be responsible for settling such fines, damage fees and/or expenses with KBank immediately.

1.10 Người Đăng Ký đồng ý ủy quyền cho KBank ghi nợ tài khoản thuộc bất kỳ loại nào mà Người Đăng Ký mở tại KBank hoặc số tiền thuộc quyền sở hữu, giữ gìn và

/ hoặc thẩm quyền của KBank, bất kể KBank đã nhận được tiền gửi, sở hữu, giữ gìn và / hoặc quyền hạn đó như thế nào, dùng để thanh toán nợ và / hoặc nghĩa vụ của Người Đăng Ký ngay lập tức mà không cần thông báo trước. KBank sẽ gửi biên nhận ghi nợ tài khoản cho Người Đăng Ký

1.10 The Applicant agrees to authorize KBank to debit the account of any type that the Applicant holds with KBank or the sum under the possession, care and/or authority of KBank, regardless of how KBank has obtained such deposit, possession, care and/or authority, for payment of debt and/or liabilities of the Applicant immediately, without prior notice. KBank shall send evidence for account debit to the Applicant

1.11 Nếu Người Đăng Ký thay đổi (các) tài khoản được chỉ định trong Đơn đăng ký, bất kỳ lúc nào và vì bất kỳ lý do gì, các Điều khoản và Điều kiện ở đây sẽ được áp dụng đầy đủ cho (các) tài khoản mới.

1.11 If the Applicant changes the account(s) specified in the application, any time and for whatever reason, the Terms and Conditions herein shall be fully applied to the new account(s).

1.12 Nếu KBank không thể ghi nợ tài khoản để thực hiện các hoạt động theo quy định trong Điều khoản và Điều kiện và / hoặc để thanh toán nợ và / hoặc để giải quyết trách nhiệm của Người Đăng Ký theo Đơn Đăng Ký này, Người Đăng Ký sẽ không thể thực hiện giao dịch trong trường hợp đó.

1.12 If KBank cannot debit the account to perform the operations per the procedures of the Terms and Conditions and/or for payment of debt and/or to settle liability of the Applicant under this Application Form, the Applicant will not be able to execute transaction in such a case.

1.13 Người Đăng Ký đồng ý duy trì đủ số tiền có sẵn trong tài khoản tiền gửi cho giao dịch trong tương lai hoặc định kỳ. Nếu Người Đăng Ký đã thực hiện giao dịch trong tương lai hoặc định kỳ có hiệu lực thực hiện vào ngày nghỉ của ngân hàng, KBank sẽ xử lý vào ngày làm việc tiếp theo hoặc hoàn tiền dựa trên chính sách của KBank.

1.13 The Applicant agrees to remain sufficient available funds in the deposit accounts for future or recurring transaction. If the Applicant submitted future or recurring transaction by selected bank holiday as an effective date, KBank will process on the next business day or refund based on KBank’s policy.

1.14 Người Đăng Ký có thể được yêu cầu tải lên chứng từ cần thiết theo định dạng và giới hạn kích thước tập tin cụ thể để hỗ trợ Chuyển tiền hoặc cho bất kỳ dịch vụ nào khác trên KBank Connect (Vietnam)

KBank có quyền yêu cầu cung cấp chứng từ gốc từ Người Đăng Ký trong từng trường hợp cụ thể, tùy theo quyết định riêng của KBank.

1.14 The Applicant may be required to upload necessary documents in specific file types and file size limit to support Fund Transfer or any other service on KBank Connect (Vietnam). KBank reserves the right to request for the original document from the Applicant on case by case basis, subject to KBank’s sole discretion.

1.15 KBank sẽ không chịu trách nhiệm đối với bất kỳ thiệt hại nào gây ra bởi thiết bị hoặc công cụ sử dụng dịch vụ hoặc lỗi mạng điện thoại di động hoặc trục trặc hệ thống internet của Người Đăng Ký.

1.15 KBank shall not be liable for any damage caused by the Applicant’s service equipment or tool or mobile phone network error or internet system malfunction.

1.16 Người Đăng Ký xác nhận rằng bất kỳ chứng từ, dữ liệu hoặc thông tin chi tiết nào đã được chuyển đến KBank ở bất kỳ định dạng nào, do Người Đăng Ký hoặc người được ủy quyền của Người Đăng Ký là đầy đủ, chính xác, cập nhật và chúng có thể được KBank sử dụng để cung cấp dịch vụ và cập nhật hệ thống của KBank. Người Đăng Ký có quyền và thẩm quyền hợp pháp để sử dụng dịch vụ và thực hiện bất kỳ giao dịch nào liên quan đến dịch vụ này. Nếu có bất kỳ tổn thất nào phát sinh

từ thực tế là các chứng từ, dữ liệu hoặc chi tiết cung cấp không đầy đủ, không chính xác hoặc không được cập nhật, hay từ việc Người Đăng Ký không có quyền hoặc thẩm quyền hợp pháp để sử dụng dịch vụ hoặc thực hiện bất kỳ giao dịch nào liên quan đến dịch vụ, Người Đăng Ký đồng ý tự chịu trách nhiệm về những thiệt hại được nêu.

1.16 The Applicant certifies that any documents, data or details that have been delivered to KBank in any format, either by the Applicant or the Applicant’s assignee, are complete, true and up-to-date, and they can be used by KBank to provide services and for updating KBank’s system. The Applicant has the right and legal authority to use the service and conduct any transaction related to this service. If any loss incurred from the fact that the documents, data or details are incomplete, inaccurate or not up-to-date, or that the Applicant has no right or legal authority to use the service or conduct any transaction related to the service, the Applicant agrees to be solely responsible for said loss.

Người Đăng Ký đồng ý rằng mọi thông tin nêu trên và thông tin trong hồ sơ đính kèm là đầy đủ, chính xác, đúng sự thật và tuân thủ với các quy định pháp luật có liên quan.

The Applicant agree that all above information and attached documents are full, accurate, true and compliant with the related provisions of law.

1.17 Nếu Người Đăng Ký có nhu cầu thay đổi thông tin và / hoặc bất kỳ chi tiết nào, Người Đăng Ký cần thông báo cho KBank bằng văn bản, theo định dạng do KBank quy định, ít nhất trước 30 ngày kể từ ngày phát sinh thay đổi thông tin và/ hoặc chi tiết đã đăng ký.

1.17 If the Applicant wishes to change the information and/or any detail, the Applicant shall inform KBank in writing, per the format specified by KBank, at least 30 days in advance from the date of any change of the registered information and/ or detail.

1.18 Trừ khi KBank có quy định khác, nếu Người Đăng Ký tìm thấy bất kỳ lỗi nào từ các hoạt động liên quan đến dịch vụ hoặc nếu có bất kỳ lý do nào cho việc tạm giữ lại các tác vụ liên quan đến dịch vụ theo các điều khoản và điều kiện, toàn bộ hoặc một phần, hoặc nếu việc đình chỉ đó bị hủy bỏ, Người Đăng Ký có thể gọi cho Trung Tâm Dịch vụ Khách hàng của Kbank theo số: (00) 00 0000 0000, hoặc bất kỳ số nào khác do KBank công bố, đồng thời cung cấp các thông tin liên quan khác ví

dụ như: ngày, giờ, những người có liên quan, số tiền, tính chất của các giao dịch và bất kỳ thông tin nào khác mà KBank yêu cầu. Sau khi Người Đăng Ký đã hoàn thành các thao tác theo quy trình do KBank xác định, Kbank sẽ tiến hành các hành động liên quan như: điều tra / sửa chữa các lỗi, giữ lại các tác vụ và hủy bỏ việc đình chỉ, trong khoảng thời gian được thông báo cho Người Đăng Ký.

Người Đăng Ký sẽ vẫn chịu trách nhiệm về các tác vụ và giao dịch đã được thực hiện trước thời hạn quy định. Trong mối liên hệ này, KBank bảo lưu quyền từ chối mọi yêu cầu trái với quy định và pháp luật có liên quan.

1.18 Unless KBank has stated otherwise, if the Applicant finds any error from operations related to the services, or if there is any cause for temporarily withholding

operations related to the services under the terms and conditions, either entirely or partially, or if such suspension is rescinded, the Applicant may call KBank Contact Center Tel. (00) 00 0000 0000, or any other number stated by KBank, and also provide other related information, for example, date, time, related persons,

amount of funds, nature of transactions, and any other information requested by KBank. After the Applicant has completely undertaken operations per procedures determined by KBank, KBank shall conduct related actions, for example, investigating/correcting of errors, withholding operations and rescinding suspension, within the period informed to the Applicant.

The Applicant shall remain responsible for the operations and transactions that have been conducted before the specified period. In this connection, KBank reserves the right to deny any request, which is contrary to related law and regulations.

1.19 Người Đăng Ký có thể sử dụng Dịch Vụ với số lần và số tiền tối đa do KBank xác định và / hoặc trong giới hạn dịch vụ của ngân hàng nhận tiền. Kbank sẽ ghi nợ tiền từ tài khoản tiền gửi theo số tiền và phí / phí dịch vụ / chi phí / phí phạt / thuế và các nghĩa vụ (nếu có) theo thỏa thuận đã ký kết bởi Người Đăng Ký với KBank. Số tiền sẽ được chuyển vào tài khoản của người nhận vào ngày có hiệu lực theo quy định từ ngân hàng của từng người nhận.

1.19 The Applicant may use the Service at the maximum number of times and amount determined by KBank and/or within the service limit of the destination bank. KBank shall debit the funds from the deposit account according to the amount and fees/service charges/expenses/penalty fees/taxes and duties (if any) per the agreement entered into by the Applicant with KBank. The amount will be transferred to the recipient’s account on the effective date as specified by the destination bank of each recipient.

1.20 Nếu có lỗi trong việc ghi nợ tài khoản và / hoặc giao dịch chuyển tiền vào tài khoản tiền gửi của Người Đăng Ký được chỉ định trong Đơn đăng ký này mà không phải do KBank gây ra, Người Đăng Ký phải trực tiếp kiểm tra và yêu cầu truy soát tiền từ hoặc hoàn trả số tiền đó cho phía bên đối tác của Người Đăng Ký. Nếu Người Đăng Ký có bất kỳ biện pháp bảo vệ và / hoặc quyền yêu cầu bồi thường nào, Người Đăng Ký sẽ tiến hành thảo luận và làm việc trực tiếp với bên đối tác.

1.20 If there is an error in account debit from and/or funds transfer to the Applicant’s deposit account specified in this application, which has not been caused by KBank, the Applicant shall directly examine and claim the amount from or reimburse the amount to the Applicant’s counterparty. If the Applicant has any defense and/or rights to claim, the Applicant shall directly and separately take an action with the counterparty.

1.21 Trong trường hợp bất khả kháng hoặc bất kỳ nguyên nhân nào khác ngăn cản KBank trong việc cung cấp Dịch vụ, Người Đăng Ký đồng ý rằng KBank sẽ có toàn quyền quyết định cung cấp Dịch Vụ hoặc thực hiện bất kỳ điều gì nếu thấy thích hợp; Người Đăng Ký đồng ý hợp tác hoàn toàn với KBank trên mọi phương diện để cải thiện phương thức phục vụ của KBank nhằm tạo điều kiện cho sự thuận tiện của Người Đăng Ký trong việc sử dụng Dịch vụ theo các Điều khoản và Điều kiện này khi được yêu cầu.

1.21 In case of force majeure or any other causes that prevent KBank from providing the Service, the Applicant agrees that it shall be at KBank’s discretion to

provide the Service or take any action as it deems appropriate; the Applicant agrees to fully cooperate with KBank in every way to improve the service method of KBank to facilitate convenience of the Applicant in using the Service under these Terms and Conditions upon request.

1.22 Người Đăng Ký đồng ý rằng KBank có thể chuyển giao các quyền và / hoặc lợi ích và / hoặc nghĩa vụ, toàn bộ hoặc một phần, theo các điều kiện của Dịch Vụ này cho bất kỳ cá nhân nào và / hoặc tổ chức tài chính nào KBank cho là phù hợp, mà không cần sự đồng ý nào từ Người Đăng Ký, ngoài thông báo sẽ được gửi cho Người

Đăng Ký, Tuy nhiên, Người Đăng Ký không thể chuyển các quyền và / hoặc lợi ích và / hoặc nhiệm vụ, toàn bộ hoặc một phần, theo các điều kiện của dịch vụ này cho bất kỳ cá nhân và / hoặc tổ chức tài chính nào, trừ khi có văn bản được chấp thuận trước của KBank.

1.22 The Applicant agrees that KBank may transfer the rights and/or benefits and/or duties, either in whole or in part, under the conditions of this Service to any individual and/or financial institution, as KBank deems appropriate, without any consent from the applicant, but with notice given to the Applicant Nonetheless, the Applicant cannot transfer the rights and/or benefits and/or duties, either wholly or partly, under the conditions of this service to any individual and/or financial institution, unless a prior written consent is given by KBank.

1.23 Bất kỳ sự chậm trễ hoặc miễn trừ nào trong việc thực hiện các quyền của KBank theo luật hoặc các Điều khoản và Điều kiện này, bao gồm sổ tay và hệ thống ghi nhận của KBank, sẽ không được coi là việc KBank từ bỏ các quyền đó hoặc Kbank đồng ý cho Người Đăng Ký thực hiện bất kỳ hành động nào

1.23 Any delays or exemptions in exercising KBank rights under the law or these Terms and Conditions, including handbooks and KBank’s record system, shall not be regarded as KBank’s relinquishing such rights or as KBank’s giving the Applicant consent to perform any act.

1.24 Bất kỳ thư từ, thông báo hoặc thông tin nào mà KBank đã gửi cho Người Đăng Ký theo Kênh tiếp nhận thông tin được chỉ định trong Đơn đăng ký hoặc cung cấp cho KBank, cho dù bằng tay hoặc qua bưu điện, đã đăng ký hoặc chưa đăng ký, hoặc dịch vụ email hoặc tin nhắn (SMS) hoặc Kênh nhận thông tin khác, sẽ được coi là đã được gửi một cách hợp pháp cho Người Đăng Ký, bất kể có nhận được thư từ, thông báo hoặc thông tin đó hay không hoặc không gửi được vì bất kỳ lý do gì. Nếu có bất kỳ sự di dời địa điểm, hủy bỏ hoặc thay đổi nào về Kênh tiếp nhận thông tin, Người Đăng Ký phải thông báo ngay cho KBank bằng văn bản.

1.24 Any letter, notice, or information which KBank has sent to the Applicant per the Channel for Receiving Information specified in the application or given to KBank, whether by hand or by postal mail, either registered or unregistered, or email or short message service (SMS) or other Channel for Receiving Information,

shall be deemed as having been rightfully sent to the Applicant, regardless of whether or not such a letter, notice or information is received or it cannot be delivered for whatever reason. If there is any relocation or demolition of, or change in the Channel for Receiving Information, the Applicant shall immediately inform KBank

thereof in writing.

1.25 KBank cam kết bảo đảm cung cấp Dịch Vụ hoạt động ổn định, liên tục, an toàn và tuân thủ các quy định của pháp luật liên quan đến Dich Vụ (trừ trường hợp bất khả kháng). Việc cung cấp Dịch Vụ bị trì hoãn, gián đoạn có thể gây ra bởi các yếu tố bao gồm nhưng không giới hạn (i) sự cố về đường truyền hoặc kỹ thuật của mạng Internet, (ii) sự cố, hỏng hóc về cơ sở hạ tầng hoặc (iii) sự cố về kỹ thuật để vận hành phần mềm, thiết bị của KBank hoặc của nhà cung cấp dịch vụ. Thời gian cung cấp các dịch vụ cụ thể trên KBank Connect (Việt Nam) phụ thuộc vào đặc điểm của từng dịch vụ, đặc điểm của các hệ thống công nghệ liên quan và chính sách của KBank trong từng thời kỳ. [Trong trường hợp hệ thống gặp lỗi, KBank sẽ thông báo cho Người Đăng Ký qua các kênh thích hợp như trên giao diện ứng dụng hoặc tin nhắn phù hợp với từng tình huống.]

1.25 KBank undertakes to provide the stable, continuous, safe operation Service and complies with the provisions of law related to the Service (except for force majeure cases). Delay or interruption of the Service may be caused by factors including but not limited to (i) transmission or technical problems of the Internet network, (ii) breakdowns, mechanical failures of infrastructure or (iii) technical problems to operate software, equipment of KBank or service providers. Time to provide specific services on KBank Connect (Vietnam) depends on the characteristics of each service, the characteristics of related technology systems and KBank's policies from time to time. [In case the system encounters an error, KBank will notify the Applicant through appropriate channels such as on the application interface or a message appropriate to each situation.]

1.26 Người Đăng Ký đồng ý chịu trách nhiệm đối với tất cả các khiếu nại, tổn thất và hậu quả phát sinh từ hoặc liên quan đến tất cả các giao dịch được thực hiện bằng Dịch Vụ, bao gồm nhưng không giới hạn ở bất kỳ tổn thất nào phát sinh từ các giao dịch không được ủy quyền do hành động gian lận hoặc sơ suất nghiêm trọng của Người Đăng Ký trong khi sử dụng Dịch Vụ. Người Đăng Ký phải thông báo cho KBank bằng cách gọi đến Trung tâm Dịch vụ Khách hàng theo số (00) 00 0000 0000

ngay lập tức đối với bất kỳ giao dịch hoặc chỉ dẫn trái phép nào mà Người Đăng Ký biết hoặc nghi ngờ. KBank có quyền yêu cầu Người Đăng Ký xác nhận bằng văn bản về bất kỳ thông tin chi tiết nào được cung cấp. Cho đến khi thực sự được thông báo như vậy, Người Đăng Ký vẫn phải chịu trách nhiệm về bất kỳ và tất cả đối với việc sử dụng Dịch Vụ tạo ra bởi các giao dịch trái phép.

1.26 The Applicant agrees to be liable for all claims, losses and consequences arising from or in relation to all transactions made using the Service, including but not limited to any losses resulting from unauthorized transactions due to the fraudulent action or gross negligence of the Applicant while using the Service. The Applicant must notify KBank by calling KBank Connect Contact Center, Tel. (00) 00 0000 0000 immediately for any unauthorized transaction or instruction that the Applicant know of or suspect of. KBank shall have the right to ask the Applicant to confirm in writing for any details given. Until the actual receipt of such notification, the Applicant still remains responsile for any and all use of the Services by unauthorized transactions.

1.27 Nếu các điều khoản và điều kiện cụ thể của bất kỳ dịch vụ nào không gồm chi tiết về một vấn đề cụ thể nào, thì các điều khoản và điều kiện chung sẽ được áp dụng. Nếu các điều khoản và các điều kiện cụ thể của bất kỳ dịch vụ nào mâu thuẫn với các điều khoản và điều kiện chung, các điều khoản và điều kiện cụ thể sẽ được ưu tiên áp dụng và được coi là một phần không thể tách rời của các điều khoản và điều kiện. Tuy nhiên, nếu các điều khoản và điều kiện chung cũng như các điều khoản

và điều kiện cụ thể đều không rõ ràng, thì Người Đăng Ký đồng ý tuân thủ các quyết định của KBank về mọi khía cạnh.

1.27 If the specific terms and conditions of any service do not specifically include details of any issue, the general terms and conditions shall be applied. If the

specific terms and conditions of any service are contradictory to the general terms and conditions, the specific terms and conditions shall prevail and be regarded as an integral part of the terms and conditions. Nonetheless, if neither the general terms and conditions nor specific terms and conditions are found to be clear, the

Applicant agrees to comply with KBank’s decisions in all respects.

1.28 Bất cứ khi nào bất kỳ mục của Điều khoản và Điều kiện của Dịch Vụ này trở nên vô hiệu, không hợp pháp, không hợp lệ hoặc không thể thực thi, các điều khoản và điều kiện còn lại sẽ vẫn có giá trị pháp lý và có hiệu lực thi hành; những điều đó ko bị ảnh hưởng bởi sự vô hiệu, không hợp pháp, không hợp lệ hoặc không thể thực thi của những điều đó.

1.28 Whenever any item of the Terms and Conditions of this Service become void, illegitimate, invalid or unenforceable, the other remaining terms and conditions shall remain legally valid and enforceable; they shall not be affected by voidability, illegitimacy, invalidity or unenforceability of such item.

1.29 Các điều khoản và điều kiện của Dịch Vụ sẽ được điều chỉnh và giải thích theo pháp luật Việt Nam, và tòa án có thẩm quyền ở Việt Nam có thẩm quyền tối cao trong trường hợp có tranh chấp.

1.29 The terms and conditions of this Service shall be governed by and construed in accordance with the Vietnamese laws, and the court of competent jurisdiction in Vietnam will have exclusive jurisdiction in case of dispute.

.130 Các Điều Khoản Và Điều Kiện này được lập bằng tiếng Anh và tiếng Việt. Trong trường hợp có sự mâu thuẫn giữa nội dung bằng tiếng Anh và nội dung bằng tiếng Việt, thì nội dung bằng tiếng Anh sẽ được ưu tiên áp dụng

1.30 These Terms and Conditions shall be in the English language and Vietnamese. In the event of any conflict between the English text and the text in Vietnamese, the English text shall prevail.

1.31 Các Điều khoản và Điều kiện của Dịch Vụ là một phần không thể thiếu của Đơn Đăng Ký này.

1.31 The Terms and Conditions of this Service shall be an integral part of this Application Form.

2. Phí / phí dịch vụ / chi phí / phí phạt / thuế và các nghĩa vụ

2. Fees/Service Charges/Expenses/Penalty Fees/Taxes and Duties

2.1 Người Đăng Ký đồng ý chi trả thù lao sử dụng dịch vụ, bất kể chúng được gọi bằng những cách khác nhau như phí, phí dịch vụ hoặc những cách gọi khác, cho KBank khi đến hạn thanh toán để trả thù lao tương ứng.

2.1 The Applicant agrees to pay remuneration for using the service regardless of whether it is called a fee, service charge or another name, to KBank within the due date for payment of respective remuneration.

2.2 Người Đăng Ký đồng ý tự chịu trách nhiệm cho khoản thanh toán của phí, thuế, nghĩa vụ và các chi phí liên quan đến dịch vụ. Nếu KBank phải trả trước những khoản thanh toán của phí, thuế, nghĩa vụ và/hoặc các chi phí hộ cho Người Đăng Ký, thì Người Đăng Ký đồng ý trả lại toàn bộ cho KBank ngay lập tức.

2.2 The Applicant agrees to be solely responsible for payment of fees, taxes, duties and any expenses related to the Service. If KBank has to make advance payment of such fees, taxes, duties and/or any expenses in place of the Applicant, the Applicant agrees to repay the sum to KBank immediately.

3. Thay đổi các điều khoản và điều kiện của Dịch Vụ

3. Changes of Terms and Conditions of Service

3.1 Trong trường hợp có sự thay đổi các Điều khoản và Điều kiện của Dịch vụ dẫn đến sự gia tăng gánh nặng hoặc rủi ro cho Người Đăng Ký, thì các thay đổi đó sẽ có hiệu lực sau 30 ngày kể từ ngày KBank thông báo và có sự đồng ý của Người Đăng Ký. Phương thức để Người Xxxx Xx đưa ra sự đồng ý sẽ được quyết định bởi KBank tùy từng thời kỳ

3.1 In case of changes of terms and conditions that result in rising burdens or risks of the Applicant, such changes shall be effective upon 30 days prior notice by

KBank with the Applicant’s consent. KBank Channel of consent submission will be determined by KBank from time to time.

3.2 Trong trường hợp có sự thay đổi các điều khoản và điều kiện khác, Người Đăng Ký đồng ý ủy quyền cho KBank thực hiện những thay đổi như vậy khi KBank thấy phù hợp. Nếu những thay đổi đó ảnh hưởng đến việc sử dụng dịch vụ của Người Đăng Ký (ví dụ như sự thay đổi phí dịch vụ liên quan tới sự tăng phí, đổi kênh dịch vụ và đổi ngày thanh toán nợ), KBank sẽ trao đổi với Người Đăng Ký hoặc thông báo cho Người Đăng Ký về nội dung chính của những thay đổi đó ít nhất 30 ngày kể từ ngày thay đổi hoặc theo quy định của luật.

3.2 In case of changes of other terms and conditions, the Applicant agrees to authorize KBank to undertake such changes as KBank deems appropriate. If such changes affect the Applicant’s use of services (for example, changes of service charges in accordance with rising costs, changes of service channels and changes of debt repayment due dates), KBank shall communicate to the Applicant or notify the Applicant of the key content of such changes at least 30 days in advance from the date of the change or within other period as required by law.

3.3 Nếu KBank được yêu cầu bởi pháp luật và/hoặc quy định để thực hiện những biện pháp cụ thể liên quan đến sự thay đổi các Điều khoản và Điều kiện, Người Đăng Ký đồng ý ủy quyền cho KBank tuân thủ với pháp luật và/hoặc quy định đó.

3.3 If KBank is required by law and/or regulations to conduct any particular actions related to changes of Terms and Conditions, the Applicant agrees to authorize KBank to comply with such law and/or regulations.

4. Chấm dứt dịch vụ và hiệu lực của việc chấm dứt

4. Termination of Service and Effect of Termination

4.1 Người Đăng Ký đồng ý rằng KBank có quyền đình chỉ và/hoặc chấm dứt Dịch Vụ, cho dù toàn bộ hay một phần, cho Người Đăng Ký bất kỳ thời gian nào, và KBank sẽ thông báo trước cho Người Đăng Ký. Đối với các sự cố sau, Người Đăng Ký đồng ý rằng KBank có thể lập tức đình chỉ và/hoặc chấm dứt Dịch Vụ, cho dù toàn bộ hay một phần, khi KBank thấy phù hợp, mà không có thông báo trước. Người Đăng Ký đồng ý rằng KBank sẽ không chịu trách nhiệm cho những thiệt hại xảy ra bởi các hành động sau:

4.1 The Applicant agrees that KBank has the right to suspend and/or terminate the Service, whether in whole or in part, or for any particular Applicant, at any time, and KBank will make an advance notification to the Applicant. For the following incidents, the Applicant agrees that KBank can immediately suspend and/or terminate the Service, whether in whole or in part, as KBank deems appropriate, without advance notification. The Applicant agrees that KBank will not be held responsible for any damages caused by the following actions (if any):

4.1.1 Người Đăng Ký cung cấp thông tin, chi tiết, trình bày hoặc xác nhận không chính xác hoặc không trung thực, hoặc những thứ gây sự hiểu lầm đáng kể.

4.1.1 The Applicant has provided any inaccurate and untruthful information, detail, representation or confirmation, or they may cause material misunderstanding.

4.1.2 Nếu có cơ sở để tin tưởng rằng thông tin thực tế và/hoặc chi tiết cung cấp bởi Người Đăng Ký cho KBank để thực hiện trong Đơn Đăng Ký này, hoặc việc sử

dụng Dịch Vụ của Người Đăng Ký, có thể gây ra tác động tiêu cực hoặc ảnh hưởng đến lợi ích của KBank hoặc của bên thứ ba, hoặc ý định của nó có thể là bất hợp pháp, phương hại đến trật tự công cộng và đạo đức, hoặc khiến KBank vi phạm bất kỳ luật hoặc quy định nào hoặc ảnh hưởng đến hình ảnh của KBank.

4.1.2 If there are grounds to believe that factual information and/or details provided by the Applicant to KBank to undertake operations per the Application

Form, or the use of the Service by the Applicant, may cause negative impacts or affect the rights of KBank or of a third party, or the intention thereof may be unlawful, detrimental to public order and morality, or may cause KBank to breach any laws and related law and regulations or may have an impact on KBank’s

image.

4.1.3 Người Đăng Ký vi phạm bất kỳ mục nào của Điều khoản và Điều kiện, bao gồm việc không trả được phí / phí dịch vụ / chi phí / phí phạt / thuế và các nghĩa vụ

4.1.3 The Applicant has breached any item of the Terms and Conditions including a failure to pay fee/service charges/expenses/penalty fees/taxes and duties.

4.1.4 Sự cố hoặc sự cố có thể xảy ra khiến KBank tin rằng nó sẽ ảnh hưởng đến hoạt động kinh doanh hoặc khả năng trả nợ của Người Đăng Ký, bao gồm nhưng không giới hạn ở việc Người Đăng Ký đã chấm dứt hoạt động kinh doanh, bất kỳ giấy chứng nhận đăng ký và/ hoặc giấy phép nào của Người Đăng Ký bị thu hồi hoặc doanh nghiệp của Người Đăng Ký bị đình chỉ hoặc giải thể.

4.1.4 There is an incident or there may be an incident that makes KBank believe that it may affect the Applicant’s business operations or debt servicing ability, including but not limited to the fact that the Applicant has ceased the business operation, any registration certificate and/ or license of the Applicant has been revoked or the Applicant’s business is suspended or liquidated.

4.1.5 KBank không thể khấu trừ tiền để tiến hành giao dịch theo Đơn đăng ký đi kèm các Điều khoản và Điều kiện này.

4.1.5 KBank cannot deduct funds to proceed with the transactions in accordance with the application and these Terms and Conditions.

4.1.6 KBank sẽ tuân theo pháp luật và quy định có liên quan.

4.1.6 KBank shall comply with related law and regulations.

4.2 Trong trường hợp Người Đăng Ký muốn hủy 1 phần hoặc toàn bộ Dịch Vụ đi kèm Điều khoản và Điều kiện này, Người Đăng Ký cần thông báo cho KBank bằng văn bản ít nhất 30 (ba mươi) ngày đến chi nhánh KBank hoặc kênh chỉ định của KBank, và làm theo quy trình của KBank. KBank sẽ giải quyết nhanh chóng việc hủy Dịch Vụ theo mong muốn của Người Đăng Ký, và việc hủy bỏ sẽ có hiệu lực sau khi KBank thông báo cho Người Đăng Ký.

4.2 In case the Applicant wishes to terminate any or all of the services under these Terms and Conditions, the Applicant shall inform KBank in writing at least 30 (thirty) days in advance via KBank branch or channels specified by KBank, and shall follow the procedures of KBank. KBank shall proceed to quickly terminate the Service as desired by the Applicant and the termination will be effective after KBank informs the Applicant.

4.3 Việc hủy bỏ các điều khoản và điều kiện của Dịch Vụ, vì bất kỳ lí do nào, sẽ không thay thế nghĩa vụ còn lại của Người Đăng Ký đối các với Điều khoản và Điều kiện này. Người Đăng Ký sẽ bị ràng buộc bởi Điều khoản và Điều kiện này cho đến khi toàn bộ nghĩa vụ đó được hoàn thành toàn bộ.

4.3 The termination of the Terms and Conditions of this Service, for whatever reason, shall not abrogate the Applicant’s outstanding obligations under the Terms and Conditions. The Applicant shall be bound by these Terms and Conditions until all such obligations are completely fulfilled.

5. Quyền sở hữu trí tuệ

5. Intellectual Property

5.1 KBank có giấy phép hoặc sở hữu tất cả nội dung, bản quyền đối với KBank Connect (Việt Nam) mà Người Đăng Ký truy cập vào Dịch Vụ và tất cả các nhãn hiệu và các tài liệu khác được sử dụng trên đó. Người Đăng Ký không được sao chép, phân phối hoặc công bố những nội dung liên quan đến Dịch vụ mà không có sự cho phép của KBank.

5.1 KBank has a license for or own all contents, copyrights for KBank Connect (Vietnam) which the Applicant access the Service and all trademarks and other materials used on it. The Applicant must not copy, distribute, publis any content in connection with the Service without KBank’s permission

5.2 Người Đăng Ký xác nhận rằng thông tin được cung cấp liên quan đến Dịch Vụ là bí mật đối với KBank và bất kỳ nhà cung cấp thông tin liên quan nào.

5.2 The Applicant acknowledges that information provided in connection with the Service is confidential to KBank and any relevant information provider.

5.3 Người Đăng Ký thừa nhận rằng Người Đăng Ký không có quyền, và sẽ không có được bất kỳ, quyền sở hữu hoặc lợi ích nào trong hoặc liên quan đến bất kỳ bản quyền, bằng sáng chế, nhãn hiệu, tài sản độc quyền, bí mật kinh doanh hoặc tác phẩm độc quyền nào. Người Đăng Ký không được đưa ra bất kỳ tuyên bố nào hoặc làm bất cứ điều gì có thể được thực hiện để chỉ ra rằng Người Đăng Ký có quyền hoặc lợi ích đó

5.3 The Applicant acknowledges that the Applicant has no right, and will not acquire any, title or interest in or relating to any copyright, patent, trademark, proprietary

property, trade secret or exclusive work. The Applicant must not make any representation or do anything that could be taken to indicate that the Applicant has such right, title or interest.

Điều khoản và Điều kiện riêng của Dịch vụ cung cấp bởi KBank Connect (Vietnam)

Specific Terms and Conditions for Services provided in KBank Connect (Vietnam)

KBank Connect (Vietnam) là kênh để tạo điều kiện cho Người Đăng Ký được sử dụng dịch vụ của KBank, bao gồm tài khoản thanh toán, tài khoản tiền gửi có kỳ hạn và tài khoản vay như sau:

KBank Connect (Vietnam) is a channel to facilitate the Applicant in using services of KBank, including current account, fixed deposit account and Loan account as follows:

1. Dịch vụ chuyển tiền

1. Fund Transfer Service

1.1 Dịch vụ Chuyển tiền nội bộ: để chuyển tiền giữa các tài khoản thanh toán được đăng ký dưới tên của Người Đăng Ký: Người Đăng Ký có thể chuyển tiền từ các tài

khoản thanh toán của Người Đăng Ký đến các tài khoản thanh toán khác của Người Đăng Ký được mở và duy trì tại KBank, miễn là Người Đăng Ký đồng ý và ủy quyền cho KBank để ghi nợ tiền trong các tài khoản tiền gửi liên quan và chuyển số tiền đó đến các tài khoản tiền gửi liên quan vào ngày giờ chỉ định.

1.1 Service for Own Account Fund Transfer: to funds transfer between current account(s) which are all under the name of the Applicant. The Applicant may transfer funds from the Applicant’s current account(s) to the other Applicant’s current account(s) opened and maintained with KBank, provided that the Applicant agrees and authorizes KBank to debit funds from the relevant current account(s) and transfer such funds to the relevant current account(s) on a specified date/time.

1.2 Dịch vụ chuyển tiền đến người thứ ba trong nội bộ ngân hàng: Người Đăng Ký có thể chuyển tiền từ các tài khoản thanh toán của Người Đăng Ký đến các tài khoản

thanh toán của người khác được mở và duy trì tại KBank, miễn là Người Đăng Ký đồng ý và ủy quyền cho KBank để ghi nợ tiền trong các tài khoản thanh toán liên quan và chuyển số tiền đó đến các tài khoản thanh toán liên quan vào ngày giờ chỉ định.

1.2 Service for third party intrabank fund transfer (KBank transfer): The Applicant may transfer funds from the Applicant’s current account(s) to the other person’s current account(s) opened and maintained with KBank, provided that the Applicant agrees and authorizes KBank to debit funds from the relevant current account(s) and transfer such funds to the relevant current account(s) on a specified date/time.

1.3 Dịch vụ chuyển tiền liên ngân hàng: Người Đăng Ký có thể chuyển tiền từ các tài khoản thanh toán của Người Đăng Ký đến các tài khoản thanh toán cụ thể được

mở và duy trì tại một ngân hàng trong nước, miễn là Người Đăng Ký đồng ý và ủy quyền cho KBank để ghi nợ tiền trong các tài khoản thanh toán liên quan và chuyển số tiền đó đến các tài khoản thanh toán liên quan vào ngày giờ chỉ định.

1.3 Service for interbank fund transfer: The Applicant may transfer funds from the Applicant’s current account(s) to specified current account(s) opened and maintained with another local bank, provided that the Applicant agrees and authorizes KBank to debit funds from the relevant current account(s) and transfer such funds to the relevant current account(s) on a specified date/time.

2. Dịch vụ truy vấn tài khoản: Người Đăng Ký có thể truy vấn thông tin của các tài khoản thanh toán, tiền gửi có kỳ hạn và khoản vay như sau:

2. Service for Account Inquiry: the Applicant may inquire information on current, fixed deposit account and loan account(s) as follows:

2.1 Truy vấn tài khoản cùng ngày: Người Đăng Xxx xxx thể truy cập hoặc xem số dư tài khoản cùng ngày và yêu cầu truy vấn tài khoản cùng ngày (thời xxxx xxxxxx)

2.1 Same-day account inquiry: the Applicant may access or view the same-day account balance and request for same-day account inquiry (Real Time).

2.2 Truy vấn lịch sử tài khoản: Người Đăng Ký có thể truy cập hoặc xem truy vấn lịch sử tài khoản trong vòng 3 tháng

2.2 Account inquiry history: the Applicant may access or view the account inquiry history for up to the past 3 months.

2.3 Sao kê tài khoản: Người Đăng Ký có thể truy cập hoặc xem sao kê tài khoản của các tài khoản tiền gửi và tài khoản tiền gửi có kỳ hạn trong vòng 3 tháng. Trong trường hợp Người Đăng Ký có nhu cầu muốn nhận sao kê quá 3 tháng kể từ thời điểm hiện tại, xin vui lòng liên hệ chi nhánh KBank trong giờ làm việc.

2.3 Account statement: the Applicant may access or view the account statement of deposit account(s) and Fixed deposit account for up to the past 3 months. In case the Applicant would like to receive more than 3 months of the account statement, please contact KBank branch in business hours

3. Dịch vụ Báo cáo tài chính: Người Đăng Ký có thể yêu cầu KBank phát hành báo cáo về tài khoản thanh toán và tài khoản tiền gửi có kỳ hạn của Người Đăng Ký với điều kiện của KBank như sau:

3. Service for Financial Report: The Applicant may request KBank to issue any of the following report on the Applicant’s current account and fixed deposit accounts with the conditions specified by KBank as follows:

3.1 Báo cáo thanh toán: Người Đăng Ký có thể yêu cầu KBank phát hành báo cáo về tất cả các loại giao dịch thanh toán, ví dụ như dịch vụ chuyển tiền

3.1 Payment report: the Applicant may request KBank to issue report on all types payment transactions i.e., service for funds transfer

3.2 Báo cáo về sao kê cùng ngày của tài khoản: Người Đăng Ký có thể yêu cầu KBank phát hành báo cáo về số dư và sao kê tài khoản cùng ngày

3.2 Report on same-day account statement: The Applicant may request KBank to issue report on same-day account balance and statement.

3.3 Báo cáo về sao kê quá khứ của tài khoản: Người Đăng Ký có thể truy cập và xem sao kê tương ứng với điều kiện đưa ra bởi KBank

3.3 Report on account statement history: The Applicant may access or view the statement in accordance with the conditions specified by KBank.

4. Chuyển tiền quốc tế

4. International Fund Transfer

4.1 Người Đăng Ký có thể thực hiện yêu cầu chuyển tiền ra nước ngoài (“Yêu Cầu Chuyển Tiền”) trên hệ thống KBank Connect (Việt Nam) . Mỗi Yêu Cầu Chuyển Tiền chỉ áp dụng cho và bao gồm một lần chuyển tiền ra nước ngoài.

4.1 The Applicant can conduct global outward remittance application (“Remittance Application”) via the system of KBank Connect (Vietnam). One Remittance Application form shall be applied and accompanied with each outward money remittance only.

4.2 KBank không phải chịu trách nhiệm về bất kỳ sai sót, sự chậm trễ, chi phí hoặc thiệt hại nào phát sinh từ việc Người Đăng Ký cung cấp thông tin không hoàn chỉnh

hoặc không chính xác, các bên đồng ý thêm rằng KBank không phải chịu trách nhiệm về bất kỳ sai sót, sự chậm trễ, chi phí hoặc thiệt hại nào phát sinh từ việc thực hiện hoặc không thực hiện về phía ngân hàng của người thụ hưởng, hệ thống thanh toán bù trừ của ngân hàng của người thụ hưởng hoặc hệ thống thanh toán bù trừ của quốc gia nơi đặt ngân hàng của người thụ hưởng. Tuy nhiên, KBank phải chịu trách nhiệm trước Người Đăng Ký nếu sự việc thực tế có liên quan có thể được chứng

minh bởi Người Đăng Ký rằng (i) Kbank đã không tuân thủ bất kỳ điều khoản và điều kiện nào theo Yêu Cầu Chuyển Tiền này; hoặc (ii) KBank đã không tuân thủ yêu cầu của Người Đăng Ký về việc dừng dịch vụ theo Yêu Cầu Chuyển Tiền này; hoặc (iii) thiệt hại trực tiếp mà Người Đăng Ký phải chịu xảy ra do hành vi sai trái cố ý hoặc sơ suất nghiêm trọng của KBank.

4.2 KBank shall not be liable for any error, delay, costs or damages arising from incomplete or inaccurate information provided by the Applicant, it is further agreed that KBank shall not be liable for any error, delay, costs or damages arising from the performance or non-performance on the part of the beneficiary’s bank, the clearing system of the beneficiary’s bank or the clearing system of the country where the beneficiary’s bank is located. However, KBank shall be liable to the Applicant if the related fact can be proven by the Applicant that (i) KBank has failed to comply with any terms and conditions of this Remittance Application; or (ii) KBank has failed to comply with the Applicant’s demand to restrain the service under this Remittance Application; or (iii) the direct damage suffered by the Applicant has occurred from KBank’s willful misconduct or gross negligence.

4.3 Người Đăng Ký tại đây đồng ý và cam kết bồi hoàn và luôn đảm bảo cho KBank được bồi hoàn toàn bộ và đầy đủ và giữ cho KBank không bị tổn hại đối với mọi

trách nhiệm, yêu cầu, khiếu nại, hành động và thủ tục tố tụng, tổn thất và chi phí, kể cả chi phí pháp lý và tất cả các trách nhiệm pháp lý khác dưới bất kỳ hình thức nào mà có thể được thực hiện hoặc phát sinh hoặc Ngân Hàng phải chịu đựng hoặc có thể phải gánh chịu liên quan đến hoặc phát sinh từ việc KBank thực hiện việc thanh toán theo Yêu Cầu Chuyển Tiền trên đây của Người Đăng Ký.

4.3 The Applicant hereby agree and undertake to indemnify and at all time keep KBank fully indemnified and hold KBank harmless from and against all liabilities,

claims and demands, actions and proceedings, loss and expenses including legal costs and all other liabilities of whatsoever nature or description which may be made or taken or incurred or suffered by KBank in connection with or in any manner arising out of KBank’s performance of such Remittance Application from the

Applicant.

4.4 Người Đăng Ký đồng ý thanh toán tất cả các khoản hoa hồng, phí, lệ phí hoặc chi phí liên quan đến việc chuyển tiền theo tỷ lệ do KBank quy định và tất cả các khoản thuế phát sinh phải nộp cho cơ quan nhà nước có thẩm quyền về việc chuyển tiền trên (nếu có). Tuy nhiên, tất cả các khoản hoa hồng, phí, lệ phí hoặc chi phí phát sinh bên ngoài Việt Nam sẽ do người thụ hưởng chịu trách nhiệm chi trả.

4.4 The Applicant agrees to pay all commission, fees, charges or expenses related to the remittance of money at the rate specified by KBank and all incurred taxes to the competent authority for the above remittance (if any). However, all commission, fees, charges or expenses incurred outside Vietnam shall be borne by the beneficiary.

4.5 KBank, các ngân hàng trung gian hoặc đại lý của KBank không phải chịu trách nhiệm về bất kỳ sự chậm trễ và/hoặc chi phí và/hoặc phí tổn và/hoặc sự không thực hiện và/hoặc thiệt hại nào gây ra bởi biến động về tỷ giá, luật, quy chế hoặc quy định của ngân hàng của người thụ hưởng của quốc gia nơi đặt ngân hàng của người thụ hưởng.

4.5 KBank, its correspondent banks or agents shall not be liable for any delay and/or costs and/or expense and/or non-performing and/or damages caused by exchange rate fluctuations, laws, rules or regulations of the beneficiary’s bank or the country where the beneficiary’s bank is located.

4.6 Yêu Cầu Chuyển Tiền về việc chuyển tiền ngay trong ngày cũng phải tuân thủ quy định về giờ giao dịch hoặc giờ muộn nhất nhận giao dịch ngân hàng của KBank và ngân hàng trung gian hoặc ngân hàng của người thụ hưởng. Nếu KBank nhận được Yêu Cầu Chuyển Tiền sau giờ muộn nhất nhận giao dịch ngân hàng của mình, KBank sẽ thực hiện chuyển tiền vào ngày làm việc tiếp theo.

4.6 Remittance Application for the same – day remittance shall also be subject to the local business hours or transaction cut-off times of KBank and the correspondent bank or beneficiary’s bank. If KBank receives the Remittance Application after KBank’s cut-off times, KBank shall effect such remittance on the next business day.

4.7 Nếu lệ phí ngân hàng nước ngoài mà KBank thu không đủ để thanh toán đầy đủ cho ngân hàng nước ngoài, thì KBank sẽ thu lệ phí bổ sung như được ghi trong hóa

đơn thực tế của Người Đăng Ký sau đó, và Người Đăng Ký đồng ý thanh toán các khoản phí bổ sung này cho KBank cho đến khi KBank được thanh toán đầy đủ khoản tiền này bởi Người Đăng Ký.

4.7 If foreign bank charges that KBank has collected from the Applicant are insufficient for payment in full to the foreign bank, KBank will collect additional charges

as actually billed to the Applicant later, and the Applicant agrees to pay for such additional charges to KBank until KBank will be paid by the Applicant in full amount.

4.8 Người Đăng Ký cam kết cung cấp cho KBank thông tin đầy đủ, đúng và chính xác trong Yêu Cầu Chuyển Tiền và trong bất kỳ (các) tài liệu nào khác và chịu mọi rủi ro và/hoặc thiệt hại và/hoặc tổn thất gây ra bởi, và phải chịu mọi phí tổn liên quan đến, bất kỳ thông tin nào đã cung cấp không chính xác hoặc không nhất quán.

Trong trường hợp KBank đã thực hiện hoàn toàn việc chuyển tiền theo thông tin do Người Đăng Ký cung cấp, thì việc thực hiện đó của KBank sẽ được coi là hành động trung thực và chính xác theo Yêu Cầu Chuyển Tiền này mà Người Đăng Ký phải trả phí và tất cả các lệ phí ngân hàng cho KBank và/hoặc các ngân hàng trung

gian và/hoặc đại lý của KBank, và Người Đăng Ký đồng ý không khiếu nại hoặc yêu cầu KBank bồi thường bất kỳ tổn thất và/hoặc thiệt hại nào do việc thực hiện chuyển tiền như vậy về mọi mặt.

4.8 The Applicant undertakes to provide the Bank with sufficient, true and complete information in the Remittance Application and in any other document(s), and take all risks and/or damage and/or losses caused by, and shall bear all expenses in connection with, any incorrect or inconsistent information that has been provided.

In the event that KBank has completely performed the money remittance in accordance with the information so provided by the Applicant, such performance of KBank will be treated as true and accurate performance under this Remittance Application which the Applicant is bound to pay the fees and all banking charges to KBank and/or its correspondent banks and/or agents, and the Applicant agrees not to claim or demand for any loss and/or damages against KBank due to such

performance of money remittance in all respect.

4.9 Người Đăng Ký chịu trách nhiệm nộp hồ sơ điện tử đi kèm Yêu Cầu Chuyển Tiền gửi qua KBank Connect (Vietnam) và đồng ý rằng các chứng từ điện từ này có giá trị như bản gốc. Người Đăng Ký có trách nhiệm xuất trình đầy đủ bản gốc hồ sơ điện tử và bổ sung các chứng từ còn thiếu (nếu có) tới chi nhánh của KBank kể từ ngày tạo Yêu Cầu Chuyển Tiền trên KBank Connect (Vietnam). Người Đăng Ký chịu trách nhiệm về tính hợp pháp, tính xác thực và sự chính xác của tất cả các giấy

tờ, tài liệu đó (bao gồm cả hồ sơ điện tử và hồ sơ giấy) và đảm bảo nội dung khớp đúng giữa hồ sơ giấy và hồ sơ điện tử, chịu hoàn toàn các rủi ro từ việc nhầm lẫn, sửa

chữa, giả mạo chữ ký mẫu dấu trước khi gửi hồ sơ điện tử đến KBank, chịu hoàn toàn trách nhiệm trước pháp luật đối với mọi giao dịch KBank đã xử lý căn cứ vào các hồ sơ điện tử gửi kèm. Người Đăng Ký tại đây cam kết không sử dụng lại những giấy tờ, tài liệu này cho bất kỳ giao dịch thanh toán hoặc chuyển đổi ngoại tệ nào

khác và/hoặc cho bất kỳ mục đích không được phép nào với bất kỳ tổ chức tín dụng nào khác. Bằng toàn quyền tự quyết định tuyệt đối của mình, KBank có thể từ chối

thực hiện bất kỳ giao dịch chuyển tiền nào được yêu cầu bởi Người Đăng Ký nếu KBank cho rằng các giấy tờ, tài liệu chứng minh đó là không đầy đủ hoặc bất kỳ tài liệu nào trong đó không hợp lệ, chứa đựng thông tin không hợp lệ hoặc không chính xác. Việc từ chối và xem xét nêu trên của KBank mà khiến KBank không thực hiện

chuyển tiền theo yêu cầu của Người Đăng Ký sẽ không được coi là việc KBank không thực hiện được hoặc không thực hiện theo các điều khoản và điều kiện của Yêu Cầu Chuyển Tiền này, và sẽ không tạo nên bất kỳ trách nhiệm và/hoặc nghĩa vụ pháp lý nào từ phía KBank đối với Người Đăng Ký. Trong trường hợp như vậy, Người

Đăng Ký sẽ không khiếu nại hoặc yêu cầu KBank bồi thường bất kỳ tổn thất và/hoặc thiệt hại nào (nếu có, và Người Đăng Ký có thể phải gánh chịu). Người Đăng Ký

bảo đảm rằng giấy tờ, tài liệu chứng minh cho việc thanh toán ngoại tệ và chuyển đổi ngoại tệ sẽ được cung cấp và sử dụng tuân thủ theo pháp luật áp dụng nếu pháp luật áp dụng yêu cầu. Người Đăng Ký cam kết sẽ cung cấp mọi thông tin có liên quan đến giao dịch chuyển tiền cho KBank khi KBank có yêu cầu để kiểm soát việc

tuân thủ: pháp luật Việt Nam, pháp luật và thông lệ quốc tế, quy định phòng chống rửa tiền và/hoặc tài trợ khủng bố cũng như nộp các tài liệu thích hợp cho Nhà Nước Việt Nam (“NHNN”) hoặc bất kỳ cơ quan nhà nước có thẩm quyền nào khi được yêu cầu.

4.9 The Applicant is responsible for submitting electronic documents attached to the Remittance Application via KBank Connect (Vietnam) and acknowledges that such electronic documents are valid as the original documents. The Applicant is liable to submit the original documents and to provide missing documents (if any) at KBank branch as required by Kbank and the Applicant is responsible for the validity, authenticity and correctness of all such documents (including electronic document and paper document) and ensures the correct content match between electronic and paper document, be responsible for all risks arising from mistake, correction, forgery of specimen

signatures before sending electronic documents to KBank, takes full responsibility before the law for all transactions KBank has handled based on the attached electronic documents. The Applicant hereby commits not to re-use such supporting documents for any other payment or foreign exchange conversion and/or for any unauthorized purpose with any other credit institutions. KBank may, in its absolute discretion, refuse to effect any remittance requested by the Applicant if KBank considers that the supporting documents are not sufficient or any such document is invalid, contains invalid or incorrect information. The aforesaid refusal and consideration of KBank which

caused KBank not to effect the money remittance in accordance with the Applicant’s request shall not be deemed as KBank’s failure or non-performing under the terms and conditions of this Remittance Application, and shall not cause any responsibility and/or liability on the part of KBank towards the Applicant. For such circumstance, the Applicant shall not claim or demand against KBank for compensation of any loss and/or damages (if any, and may be suffered by the Applicant). The Applicant represents

that the supporting documents for foreigncurrency payment or foreign currency conversion shall be provided and used in compliance with applicable law if the law requires so. The Applicant undertakes to provide all information related to money transfer transactions to KBank when required by KBank to control compliance: Vietnamese laws, international laws and practices, anti-money laundering regulations and/or terrorist financing and submit any appropriate documents to the State Bank of Vietnam (“SBV”) or any competent authority if required.

4.10 Trong trường hợp NHNN có quy định về hạn mức chuyển tiền ra nước ngoài, như được chỉ rõ bởi các quy định và/hoặc thông báo (gọi chung là “Quy Định”), có

hiệu lực vào từng thời điểm, Người Đăng Ký theo đó cũng đồng ý và chấp nhận các Quy Định của NHNN, đồng thời chấp nhận rằng giao dịch chuyển tiền bắt buộc phải tuân thủ hạn mức theo Quy Định. Người Đăng Ký xác nhận rằng số tiền được chuyển vào mỗi ngày giao dịch sẽ tuân thủ hạn mức như được chỉ rõ bởi Quy Định

của NHNN. Tuy nhiên, nếu KBank, theo quyết định riêng của mình, cho rằng số tiền được yêu cầu chuyển; cho dù bằng đơn vị tiền tệ gốc của nó hoặc sau khi chuyển

đổi từ đơn vị tiền tệ gốc sang đơn vị tiền tệ khác để chuyển đi; có thể vượt quá hạn mức trong Quy Định hoặc có thể gây ra bất kỳ sự mâu thuẫn hoặc không tuân thủ Quy Định nào, Người Đăng Ký đồng ý rằng Ngân Hàng có quyền từ chối và không thực hiện việc chuyển tiền theo yêu cầu của Người Đăng Ký mà không chịu bất kỳ trách nhiệm và/hoặc nghĩa vụ pháp lý nào từ phía KBank đối với Người Đăng Ký.

4.10 In case where an outward money remittance is under limit as specified by the regulations and/or announcement (collectively referred to as the “Regulations”),

being effective from time to time, of the SBV, the Applicant also agrees and accepts the Regulations of SBV accordingly, and accepts that the requested money remittance transaction is required to be limited under the Regulations. The Applicant certifies that the remitted amount on each transaction date is under the limitation

specified in the Regulations of SBV. However, if the Bank, at its sole discretion, considers that the requested remitted amount; whether in its original currency or

after conversion from the original currency to other currency being remitted; may be over the limitation specified in the Regulations or may cause any inconsistency or non-compliance with the Regulations, the Applicant agrees that the Bank is entitled to reject and not to perform the money remittance as requested by the Applicant

without any responsibility and/or liability on the part of Bank towards the Applicant.

5. Sản Phẩm Tín Dụng Thương Mại: Người Đăng Ký có thể nộp bất kỳ chứng từ/ đơn yêu cầu liên quan đến các sản phẩm tài trợ chuỗi cung ứng và thương mại bằng cách tải các chứng từ cần thiết lên hệ thống KBank Connect (Vietnam).

5. Trade Credit Products: The Applicant may submit any document/ application in connection with trade and supply chain financing products by uploading the required documents via the system of KBank Connect (Vietnam).

5.1 Danh sách các Sản Phẩm Tín Dụng Thương Mại được hỗ trợ bởi KBank Connect (Vietnam) và các chứng từ cần thiết được phép nộp thông qua KBank Connect cụ thể như sau:

5.1 List of Trade Credit products supported by KBank Connect (Vietnam) and necessary documents which are allowed to be uploaded via KBank Connect (Vietnam)

are as follows:

Việt Nam – Sản phẩm (Tín Dụng Thương Mại)

Vietnam - Product (Trade Credit)

Phát Hành Thư tín dụng và Phát Hành Thư tín dụng Trong Nước (Bao gồm cả UPAS L/C)

L/C Issuance and Domestic L/C Issuance (Including with UPAS L/C)

Thư Tín Dụng Dự Phòng hoặc Bảo Lãnh Đối Ứng hoặc Phát Hành Thư Bảo Lãnh Quốc Tế Standby L/C or Counter Guarantee or International Letter of Guarantee Issuance

Thanh Toán Hóa Đơn Nhập Khẩu theo Thư tín dụng và Hối phiếu nhờ thu (B/C)

Import Bill Payment under L/C and B/C

Bảo Lãnh Nhận hàng và Giao Hàng Ký Hậu Vận Đơn

Shipping Guarantee and Delivery Order Endorsement

Biên Nhận Uỷ Thác theo Thư tín dụng, Hối phiếu nhờ thu (B/C), Chuyển tiền bằng điện TR under L/C, B/C, T/T

Chuyển Nhượng Thư tín dụng L/C Transfer

Xác Nhận Thư tín dụng L/C Confirmation

Chiết Khấu Bộ Chứng Từ Xuất Khẩu theo Thư tín dụng có truy đòi Export Bill Discount under L/C with recourse

Chiết Khấu Bộ Chứng Từ Xuất Khẩu theo Thư tín dụng không truy đòi Export Bill Discount under L/C without recourse

Khoản Tài Trợ Xuất Khẩu Trước Khi Giao Hàng Packing Credit

Chiết Khấu Bộ Chứng Từ Xuất Khẩu theo Hối phiếu nhờ thu (B/C)

Export Bill Discount under B/C

Sản phẩm tài trợ chuỗi cung ứng

Supply chain financing product

5.2. Trước khi thực hiện bất kỳ chỉ thị/yêu cầu nào của Người Đăng Ký, KBank có quyền yêu cầu Người Đăng Ký nộp bổ sung yêu cầu, đơn yêu cầu và bất kỳ các tài liệu bổ sung khác theo quy định của KBank trong từng thời kỳ. KBank sẽ thực hiện các chỉ thị/yêu cầu ngay khi nhận được toàn bộ chứng từ hợp lệ đáp ứng yêu cẩu của KBank qua hệ thống KBank Connect.

5.2. Before implementing any instruction/request of the Applicant, KBank is entitled to request the Applicant to submit request, application form and any other supporting documents in accordance with KBank’s internal regulations from time to time. KBank shall implement the instruction/request upon receiving all supporting documents satisfied KBank through KBank Connect.

5.3 Người Đăng Ký phải nộp (các) chứng từ gốc đã ký và bổ sung các chứng từ còn thiếu (nếu có) trong vòng 7 (bảy) ngày làm việc kể từ ngày Người Đăng Ký tải chứng từ điện tử lên KBank Connect (Vietnam) hoặc theo yêu cầu nếu KBank được yêu cầu bởi cơ quan nhà nước hoặc để tuân thủ luật và quy định hiện hành, trừ khi được KBank đồng ý khác. Nếu Người Đăng Ký không thực hiện như vậy, KBank có quyền từ chối yêu cầu/giao dịch hoặc thực hiện bất kỳ hành động nào khác mà KBank cho là thích hợp.

5.3 The Applicant is required to submit the original signed document(s) and provide missing documents (if any) within 7 (seven) business days from the date of the Applicant uploaded the electronic documents onto KBank Connect (Vietnam) or upon request if KBank is required by government authority or to comply with applicable laws and regulations, unless otherwise agreed by KBank. If the Applicant fails to do so, KBank reserves the right to reject the request/transaction or take any other action which KBank deems appropriate.

5.4 Người Đăng Ký phải chịu trách nhiệm về tính hợp pháp, tính xác thực và tính chính xác của tất cả các chứng từ đã nộp cho KBank (bao gồm cả chứng từ điện tử và chứng từ gốc) và đảm bảo nội dung khớp đúng giữa chứng từ điện tử và chứng từ gốc.

5.4 The Applicant shall be responsible for the validity, authenticity and correctness of all documents submitted to KBank (including electronic documents and original documents) and ensure the correct content match between electronic and original documents.

6. Sản Phẩm Tín Dụng Khác: Người Đăng Ký có thể nộp yêu cầu/chứng từ liên quan đến một số sản phẩm tín dụng bằng cách tải các chứng từ cần thiết lên hệ thống KBank Connect (Vietnam).

6. Other Credit Products: The Applicant may submit request/documents in connection with some credit products by uploading the required documents via the system of KBank Connect) Vietnam(.

6.1 Danh sách các sản phẩm tín dụng được hỗ trợ bởi KBank Connect (Vietnam) và các chứng từ cần thiết được phép nộp thông qua KBank Connect (Việt Nam) cụ thể như sau:

6.1 List of credit products supported by KBank Connect (Vietnam) and necessary documents which are allowed to be uploaded via KBank Connect (Vietnam) are as follows:

Việt Nam – Sản phẩm Tín Dụng

Vietnam – Credit Products

Working Capital Loan

Cho Vay Vốn Hoạt Động

Term Loan

Cho Vay Từng Lần

Letter of Guarantee

Thư Bảo Lãnh

6.2. Trước khi thực hiện bất kỳ chỉ thị/yêu cầu nào của Người Đăng Ký, KBank có quyền yêu cầu Người Đăng Ký nộp bổ sung yêu cầu, đơn yêu cầu và bất kỳ các tài liệu bổ sung khác theo quy định của KBank trong từng thời kỳ. KBank sẽ thực hiện các chỉ thị/yêu cầu ngay khi nhận được toàn bộ chứng từ hợp lệ đáp ứng yêu cầu của KBank qua hệ thống KBank Connect (Việt Nam).

6.2. Before implementing any instruction/request of the Applicant, KBank is entitled to request the Applicant to submit request, application form and any other supporting documents in accordance with KBank’s internal regulations from time to time. KBank shall only implement the instruction/request upon receiving all supporting documents satisfied to KBank through KBank Connect (Vietnam) .

6.3 Người Đăng Ký phải nộp (các) chứng từ gốc đã ký và bổ sung các chứng từ còn thiếu (nếu có) trong vòng 7 (bảy) ngày làm việc kể từ ngày Người Đăng Ký tải chứng từ điện tử lên KBank Connect (Vietnam) hoặc theo yêu cầu nếu KBank được yêu cầu bởi bất kỳ cơ quan nhà nước hoặc để tuân thủ luật và quy định hiện hành, trừ khi được KBank đồng ý khác. Nếu Người Đăng Ký không thực hiện như vậy, KBank có quyền từ chối yêu cầu/giao dịch hoặc thực hiện bất kỳ hành động nào khác mà KBank cho là thích hợp.

6.3 The Applicant is required to submit the original signed document(s) and provide missing documents (if any) within 7 (seven) business days from the date of the Applicant uploaded the electronic documents onto KBank Connect (Vietnam) or upon request if KBank is required by government authority or to comply with applicable laws and regulations, unless otherwise agreed by KBank. If the Applicant fails to do so, KBank reserves the right to reject the request/transaction or take any other action as KBank deems appropriate.

6.4 Người Đăng Ký phải chịu trách nhiệm về tính hợp pháp, tính xác thực và tính chính xác của tất cả các chứng từ đã nộp cho KBank (bao gồm cả chứng từ điện tử và chứng từ gốc) và đảm bảo nội dung khớp đúng giữa chứng từ điện tử và chứng từ gốc.

6.4 The Applicant shall be responsible for the validity, authenticity and correctness of all documents submitted to KBank (including electronic documents and original documents) and ensure the correct content match between electronic and original documents.

7. Các dịch vụ khác

7. Other services

7.1 Dịch vụ thông tin các giao dịch thực hiện qua hệ thống (Audit Trail): Người Đăng Ký có thể truy cập hoặc xem các giao dịch thực hiện bởi Người Đăng Ký thông qua hệ thống và kiểm tra tình trạng giao dịch, bao gồm Người Làm Lệnh và Người Duyệt Lệnh của các giao dịch.

7.1 Service for information of transaction(s) executed via the system (Audit Trail): The Applicant may access to or view transaction(s) executed by the Applicant via the system and check transaction status, including the maker and the approver of the transaction(s).

7.2 Các dịch vụ khác được cung cấp bởi KBank trong tương lai theo quy định của KBank.

7.2 Other services to be provided by KBank in the future as specified by KBank.

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Hướng dẫn Dịch vụ, Điều khoản và Điều kiện, và Sổ tay dịch vụ KBank Connect (Vietnam)

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