Cityterms and Conditions

IU KIN V IU KHON
DCH V NGN HNG TIU DNG

TON CU CITIBANK
TERMS AND CONDITIONS
CITIBANK GLOBAL CONSUMER BANKING
VN BN NY quy nh cc iu khon v

iu kin hnh thnh nn tha thun ("Tha
thun") gia khch hng ("ti") v ngn
hng Citibank N.A, chi nhnh H Ni v chi
nhnh Thnh ph H Ch Minh ("Citibank",
"bn", "ca bn"), v iu chnh (cc) Ti
khon ca ti m ti ngn hng v cc Sn
phm v Dch v m ngn hng theo ton
quyn quyt nh ca mnh c th cung c
p
cho ti theo (cc) Ti khon. V n bn ny
nn c c cn thn cng vi Mu n
ng k M Ti Khon v ng k Sn phm
Citibank v cc iu khon v iu kin c
th ca ti khon hoc sn phm c lin
quan v nhng v n bn ny quy nh chi tit
nhng tha thun php l rng buc gia ti
v ngn hng. Ti ng rng mt khi Mu
n ng k M Ti Khon v ng k Sn
phm Citibank c ti k v c ngn
hng ch
p thun, ti s b rng buc bi
Tha thun ny.
THIS DOCUMENT states the terms and

conditions forming part of the agreement
(Agreement) between the customer (I)
and Citibank N.A, Hanoi Branch and Ho Chi
Minh City Branch (Citibank, Vietnam,
you your), and governing my
Account(s) with you and the Products and
Services which you in your absolute
discretion may extend to me under the
Account(s). This document should be read
in conjunction with Citibank Product
Application and Account Opening Form and
the relevant account or product specific
terms and conditions carefully as they
contain
details
of
binding
legal
arrangements between us. I agree that
once the Citibank Product Application and
Account Opening Form is signed by me and
you accept my application, I will be bound
by this Agreement.
NH NGHA
DEFINITIONS
Nhng t ti, ca ti c ngha l (nhng)

ngi m (cc) Ti khon (c nh ngha
di y), v, trong trng hp ng cnh c
yu cu, bao gm (nhng) Ngi k tn
The words I, me, my, mine refer to

the person(s) who opened the Account(s)
(defined below), and shall, where the
1
c y quyn (c nh ngha di y).
context so permits, include my Authorised

Signatory(ies) (defined below).
Nhng t ngn hng v ca ngn hng

c ngha l Ngn hng Citibank, N.A., chi
nhnh H Ni v chi nhnh Thnh ph H
Ch Minh ni m Ti khon ca ti c duy
tr v nhng bn tha k v b
t k bn thay
th, bn nhn chuyn nhng, bn nhn
chuyn giao hoc bn mua cc quyn
v/hoc ngha v ca chi nhnh ti Vit
Nam Citibank N.A theo v n bn ny v b
t
k dn chiu no n chi nhnh ca
Citibank N.A s bao gm dn chiu n bn
tha k, bn thay th, bn nhn chuyn
nhng, bn nhn chuyn giao hoc bn
mua .
The words you, your and yours refer

to the Citibank N.A. Hanoi Branch and Ho
Chi Minh City Branch where my Account is
maintained, and its successors and any
novatee, assignee, transferee or purchaser
of its rights and/or obligations hereunder
and any reference to such branch of
Citibank, N.A. includes a reference to such
successor, novatee, assignee, transferee or
purchaser.
Khi (cc) ti khon c m bi nhiu ngi,

nhng t ti v ca ti s c hiu l
chng ti v ca chng ti.
Where the account(s) is/are opened by

more than one person, I, me, my,
mine shall read as we, us, our and
ours.
ATM c ngha l b
t k my rt tin t
ng no.
ATM means
machine.
(cc) Ti khon c ngha l mt hoc

nhiu Ti khon m ti m (hoc ngn hng
m thay mt ti) v duy tr ti ngn hng
Account(s) means one or more

Account(s) which I open (or which you open
on my behalf) and maintain with you from
any
automated
teller
vo tng thi im (thuc b

t k loi hoc
nhm no, v cho d c m di tn mt
ngi hoc nhiu ngi m ngn hng, theo
ton quyn quyt nh ca mnh, cho php).
time to time (being of any type or category,

and whether opened in single or joint
name(s) as you may in your sole discretion
permit).
Mu n M Ti khon c ngha l Mu

n ng K M Ti Khon v ng K Sn
Phm Citibank c ngn hng quy nh s
c ti in v k tn m (cc) Ti
khon .
Account(s) Opening Application means

the Citibank Product Application and
Account Opening Form prescribed by you to
be completed and signed by me for the
opening of the Account(s).
Tha thun bao gm Tha thun ny, v

b
t k tha thun no c k gia ti vi
ngn hng lin quan n vic u t vo b
t
k Sn phm no (k c cc Sn phm phi
sinh).
Agreement includes this Agreement, and

any agreement entered into by me with you
in respect of my investment in any Products
(including derivative Products).
ATMPIN c ngha l S Nhn dng C

nhn ATM trn Th ATM Citi/Th Ghi n
Citibank hoc Th Tn d ng m ngn hng
c
p cho ti theo yu cu ca ti s d ng
chc n ng ATM ca Th ATM Citi/Th Ghi
n Citibankhoc Th Tn d ng, hoc s khc
m ngn hng c th c
p vo tng thi
im.
ATMPIN means the ATM Personal

Identification Number of the Citi ATM
Card/Citibank Debit Card or Credit Card,
which you shall allocate to me upon my
request to utilise the ATM function of the
Citi ATM Card/Citibank Debit Card or Credit
Card, or such other number as you may
from time to time authorise.
(nhng) Ngi k tn c y quyn c

ngha l b
t k ngi no c ti y quyn
iu hnh Ti khon thay mt v i din
Authorised Signatory(ies) refers to any

person(s) authorised by me to operate the
Account for and on my behalf pursuant to
3
cho ti theo n M Ti khon v theo cc

iu khon v iu kin ca Gi
y y quyn
hoc cc bng chng khc v vic ch nh
hoc u quyn nh c ngn hng yu cu
v c nhn bi ngn hng.
the Account(s) Opening Application and on

the terms and conditions of the Letter of
Authority or such other evidence of
appointment or authorization as you may
require and received by you.
"C quan c thm quyn" c ngha l b

t k
c quan hnh php, c quan cng t, c
quan thu hoc c quan chnh ph c thm
quyn ti Vit Nam v b
t k lnh th ti
phn (i) ni m Vit Nam tham gia k kt
tha thun (hoc b
t k hip c quc t
no m Vit Nam l thnh vin) hoc (ii) ni
m Ngn hng Citibank, N.A., ngn hng
m ca Ngn hng Citibank, N.A, chi nhnh
H Ni v chi nhnh Thnh ph H Ch Minh
(hoc b
t k Nhm Cng ty) c yu cu
phi tun th min l vic p d ng khng
tri vi cc nguyn tc c bn ca php lut
Vit Nam.
Authority
means
any
competent
regulatory,
prosecuting,
tax
or
governmental authority in Vietnam and in
any jurisdiction that (i) Vietnam has in
effect an agreement with (or any
international treaty of which Vietnam is a
member) or (ii) Citibank, N.A., the parent
bank of Citibank, N.A, Hanoi Branch and Ho
Chi Minh City Branch (or any of Group
Companies) is required to comply with
provided that such application is not
contrary to the basic principles of the laws
of Vietnam.
Ngy Lm vic c ngha l b

t k ngy
no m cc ngn hng m ca giao dch ti
Vit Nam, khng phi l th By, Ch nht
hoc cc ngy ngh chnh thc ti Vit Nam,
v v m c ch ca m c IU KHON V
IU KIN U T trong bn iu khon
v iu kin ny v lin quan n mt khon
Business Day refers to any day on which

banks are open for business in Vietnam
other than Saturday, Sunday and gazetted
public holidays in Vietnam and, for the
purposes of the general section in these
Terms
and
Conditions
entitled
INVESTMENT TERMS AND CONDITIONS,
2
thanh ton cho b

t k giao dch no, c
ngha l mt ngy (khng phi th By hoc
Ch Nht) m cc ngn hng thng mi
hoc th trng hi oi m ca giao dch
ni chung ti (nhng) ni (i) c th c nu
c th trong Xc nhn (c nh ngha di
y), v (ii) ni c cc ti khon ca ti v
ngn hng thanh ton cho giao dch
ph hp vi Tha thun lin quan.
refers to, in relation to a payment for any

transaction, a day (other than a Saturday or
Sunday) on which commercial banks and
foreign exchange markets are generally
open for business in the place(s) (i) which
may be specified in the Confirmation
(defined above), and (ii) where the accounts
for me and you for payment for that
transaction in accordance with the relevant
Agreement is located.
CIN c ngha l S Nhn dng Khch hng

c in trn Th ATM Citi/Th Ghi n
Citibank hoc Th Tn d ng, hoc s khc
m ngn hng c th c
p cho ti vo tng
thi im.
CIN means the Customer Identification

Number as printed on the Citi ATM
Card/Citibank Debit Card or Credit Card, or
such other number as you may from time to
time authorise.
"Khon Thu" c ngha l mt khon tin cho

hoc c c do, hoc i din cho, cc
khon kh
u tr, thu thu nhp, thu gi tr
gia t ng, thu da trn vic bn hoc nh
ot ti sn, thu hng ha, hoc b
t k cc
khon thu hp php khc cn thit phi thu
hi hoc kh
u tr m bo vic tun th
b
t k Lut hoc Quy nh php lut, c
bit l cc quy nh v FATCA, t b
t k
khon thanh ton cho ti, hoc n /t mt
Ti khon.
Collected Amount means an amount for

or on account of, or which represents,
withholding, income tax, value added tax,
tax on the sale or disposition of any
property, duties, or any other lawfully
collected amount which are required to be
withheld or deducted to comply with any
Law or Regulation, especially FATCA
requirements, from any payment to me, or
to or from an Account.
5
Citibank c ngha l Citibank, N.A. mt

ngn hng c thnh lp theo lut php
ca Hp chng quc Hoa K.
Citibank means Citibank, N.A., a banking

association organised under the laws of the
United States of America.
Th ATM Citi/Th Ghi n Citibank c ngha

l th m ngn hng c
p cho ti, gip ti
thc hin cc Giao dch Th ATM Citi/Th
Ghi n Citibank, v bao gm b
t k th no
c pht hnh gia hn hoc thay th
cho Th ATM Citi/Th Ghi n Citibank.
Citi ATM Card/Citibank Debit Card means

a card issued by you which enables me to
conduct Citi ATM Card/Citibank Debit Card
Transactions and includes any card issued
in renewal or replacement of such card.
Giao dch Th ATM Citi/Th Ghi n

Citibank c ngha l b
t k giao dch no
c thc hin di tn, nhn hiu, hoc
logo ca VISA bng cch s d ng Th ATM
Citi/Th Ghi n Citibank, s CIN v/hoc s
PIN, b
t k ti c bit hoc y quyn hay
khng (bao gm vic thanh ton hng ha,
dch v v/hoc li ch).
Citi ATM Card/Citibank Debit Card

Transaction means any transaction
carried out under the VISA name, mark or
logo by using my Citi ATM Card/Citibank
Debit Card, the CIN Number and/or the PIN,
whether with or without my knowledge or
authority (including payment for any goods,
services and/or benefits).
T chc Citigroup c ngha l Citibank, tr

s chnh, cc chi nhnh, v n phng i din
v b
t k cng ty con, cng ty lin kt hoc
cng ty lin doanh ca Citibank, hoc cc
thc th c lin quan m Citigroup Inc. trc
tip hoc gin tip s hu hoc kim sot v
b
t k chi nhnh v v n phng no ca cc
cng ty .
Citigroup Organisation refers to Citibank,

its head office, branches, representative
offices and any subsidiaries, affiliated or
associated companies of, or related entities
owned or controlled directly or indirectly
by, Citigroup Inc. and any of their respective
branches and offices.
Ngy Ch
m dt c ngha l ngy m ngn
hng ch
m dt v thanh l cc Hp ng
cn tn ng, hoc ngy m vic ch
m dt
v thanh l t ng xy ra, ph hp vi cc
iu khon ca Tha thun lin quan.
CloseOut Date means a date on which

you closeout and liquidate outstanding
Contracts, or such date on which a
closeout
and
liquidation
occurs
automatically, in accordance with the terms
of the relevant Agreement.
Mt m c ngha l b
t k th t c bo mt
theo quy nh no ca ngn hng/Citibank
hoc b
t k m truy cp, ch k in t, mt
khu, ch s nhn dng, m thng bo, thit
b in t hoc cc thit b khc theo quy
nh ca ngn hng/Citibank s d ng cho
vic a ra cc Ch th thng qua th in t
hoc cc phng tin in t khc.
Codes means any of your or Citibank's

prescribed security procedures or any of
your or Citibank's prescribed access codes,
electronic
signatures,
passwords,
identification numbers, tokens, electronic
devices or other equipment, for use in
connection with the giving of Instructions
through electronic mails or other electronic
means.
Xc nhn c ngha l b
t k hoc t
t c
cc thng bo hoc xc nhn c ngn
hng a ra nh l ghi chp v cc iu
khon ca b
t k Hp ng no.
Confirmation refers to any or all of the

advices or confirmations which will be
issued by you as a record of the terms of
any Contract.
Hp ng c ngha l b

t k hp ng no
c ti k kt vi hoc thng qua ngn
hng i vi b
t k giao dch u t no (k
c giao dch phi sinh) theo cc iu khon
ca b
t k Tha thun c lin quan no.
Contract means any contract concluded

by me with or through you in respect of any
investment transaction (including any
derivative transaction) pursuant to the
terms of any relevant Agreement.
Loi tin Hp ng c ngha l, lin quan

n mt khon thanh ton cho b
t k giao
dch no, l loi tin ca khon thanh ton
c nu c th trong Xc nhn.
Contract Currency means, in relation to a

payment for any transaction, the currency
of such payment as specified in the
Confirmation.
Th Tn d ng c ngha l th Visa v/hoc

Master ca Citibank do ngn hng pht
hnh v c th c gia hn v/hoc thay
th, v nu c nhiu hn mt th hoc th
ph c pht hnh, th c ngha bao gm
c cc loi th .
Credit Card means a Citibank Visa and/or

MasterCard issued by you as renewed
and/or replaced, and if more than one card
or if a supplementary card is issued,
includes such other card(s).
Hn mc Tn d ng c ngha l khon tn

d ng hoc cc hn mc tn d ng khc m
ngn hng theo ton quyn quyt nh ca
mnh ng c
p cho ti (cho d c
p mt
mnh hoc cng vi (cc) bn khc) hoc
c
p cho (cc) bn th ba vo tng thi im.
Facilities means such credit or other

facilities which you may in your discretion
agree to make available to me (whether
solely or jointly with other party(ies)) or to
third party(ies) from time to time.
"FATCA" (Foreign Account Tax Compliance

Act) c ngha l o lut Tun th Thu i
vi Ti khon nc ngoi c ban hnh
bi Hoa K.
FATCA means Foreign Account Tax

Compliance Act enacted by the United
States.
"Nhm cng ty" c ngha l T chc

Citigroup, Tp on Citigroup v nhm cc
cng ty ca Tp on Citigroup, bao gm c
Citibank International plc.
Group Companies means Citigroup

Organization, Citigroup Inc and its group of
companies, including Citibank International
plc.
2
"Lut hoc Quy nh php lut" c ngha l

lut hoc cc quy nh php lut ca nc
Cng ha x hi ch ngha Vit Nam hoc
b
t k lnh th ti phn (i) ni m Vit Nam
tham gia k kt tha thun (hoc b
t k hip
c quc t no m Vit Nam l thnh vin)
hoc (ii) ni m Ngn hng Citibank, N.A.,
ngn hng m ca Ngn hng Citibank, N.A,
chi nhnh H Ni v chi nhnh Thnh ph
H Ch Minh (hoc b
t k Nhm Cng ty)
c yu cu phi tun th min l vic p
d ng khng tri vi cc nguyn tc c
bn ca php lut Vit Nam.
Law or Regulation means the law or

regulation of the Socialist Republic of
Vietnam or any jurisdiction that (i) Vietnam
has in effect an agreement with, including
any international treaty of which Vietnam is
a member or (ii) Citibank, N.A., the parent
bank of Citibank, N.A, Hanoi Branch and Ho
Chi Minh City Branch (or any of Group
Companies) is required to comply with
provided that such application is not
contrary to the basic principles of the laws
of Vietnam.
Gi
y y quyn c ngha l gi
y y quyn
do ti k m theo ti y quyn cho mt
hoc nhiu ngi c iu hnh v a ra
cc ch th i vi (cc) Ti khon thay mt
v i din cho ti.
Letter of Authority means the letter of

authority executed by me whereby I
authorise one or more persons to operate
and give instructions in respect of the
Account(s) for and on my behalf.
Qu Thanh ton c ngha l cc khon

tin c gi trong mt ti khon tm thi
ring bit c ngn hng m v duy tr v
c ti thanh ton cho ngn hng cho
cc m c ch m ngn hng cho l ph hp
v ngn hng c th x l ph hp vi cc
quy nh ca bn iu khon v iu kin
ny.
Payment Fund means the monies kept in

a separate suspense account opened and
maintained by you which have been paid by
me to you for such purposes as you deem fit
and which you may deal with in accordance
with these Terms and Conditions.
"Nh Cung c
p C s H tng Thanh ton"
c ngha l mt bn th ba l c
u thnh nn
mt phn ca h thng c s thanh ton
ton cu, bao gm nhng khng gii hn, h
thng thng tin lin lc, h thng thanh
ton b tr hoc cc h thng thanh ton,
ngn hng trung gian v ngn hng i l.
Payment Infrastructure Provider means a

third party that forms part of the global
payment system infrastructure, including
withhold limitation communications, clearing
or payment systems, intermediary banks
and correspondent banks.
im Bn hng c ngha l im bn hng

ni Th ATM Citi/Th Ghi n Citibank c
s d ng.
Point of Sale means a point of sale at

which the Citi ATM Card/Citibank Debit
Card is used.
Sn phm c ngha l nhng sn phm

c lit k di m c SN PHM trong
bn iu khon v iu kin ny v cc sn
phm khc m ngn hng theo ton quyn
quyt nh ca mnh ng cung c
p cho
ti vo tng thi im.
Products means those products listed

under the general section in these Terms
and Conditions entitled PRODUCTS and
such other products which you may in your
discretion agree to make available to me
from time to time.
Loi tin Tham kho c ngha l, lin quan

n vic tnh ton Li Kt ton v L Kt
ton (nh c nh ngha ti iu 8 ca
m c cc iu khon v iu kin u t) khi
ch
m dt hoc thanh l cc Hp ng cn
tn ng theo on 8.1 ca m c Ch
m dt
v Thanh l ca bn iu khon v iu
kin ny, loi tin c ngn hng la chn
m theo Li Kt ton v L Kt ton s
Reference Currency means, in relation to

any calculation of the Closing Gain and the
Closing Loss (as defined in Clause 8 of
Investment Terms and Conditions section)
upon any closeout and liquidation of
outstanding
Contracts
pursuant
to
paragraph 8.1 of the section in these Terms
and Conditions entitled CloseOut and
Liquidation, the currency which shall be
10
c chuyn i sang loi tin ny.
chosen by you and to which such Closing

Gain and Closing Loss shall be converted.
"Ngi i din" c ngha l nhn vin ca

chng ti hoc ca ngn hng, gim c,
ngi lao ng, i l, ngi i din, nhn
vin t v
n chuyn nghip ca ngn hng v
Bn th ba Cung c
p Dch v ;
Representatives mean our or your

officers, directors, employees, agents,
representatives, professional advisers and
Third Party Service Providers.
Chng khon bao gm nhng khng gii

hn n cc c phn, tri phiu, chng ch,
quyn u tin mua v chng khon thuc
b
t k loi no, c lu k ti ngn hng
vo tng thi im.
Securities includes without limitation to

shares, bonds, warrants, options,
and
securities of any kind, deposited with you
from time to time.
cc Dch v c ngha l cc dch v c

lit k ti m c DCH V trong bn iu
khon v iu kin ny v cc dch v khc
m ngn hng theo ton quyn quyt nh
ca mnh ng cung c
p cho ti vo tng
thi im, v thut ng Dch v s c
gii thch tng ng.
Services means those services listed

under the general section in these Terms
and Conditions entitled SERVICES and
such other services which you may in your
discretion agree to make available to me
from time to time, and the term Service
shall be construed accordingly.
Ngy Thanh ton hoc Ngy Gi tr c

ngha l, lin quan n b
t k hp ng no,
ngy c nu c th trong Xc nhn
thanh ton b
t k khon tin no theo Hp
ng hoc nu ngy khng phi l Ngy
Lm vic, s l Ngy Lm vic ngay sau ,
Settlement Date or Value Date refers

to, in relation to any contract, the day
specified in the Confirmation for payment
of any amount under the Contract or if such
date is not a Business Day, it shall be the
immediately succeeding Business Day,
11
tr khi ngy ri vo thng dng lch k

tip, trong trng hp s l Ngy Lm
vic ngay trc .
unless it would fall in the next calendar

month in which case it shall be the
immediately preceding Business Day.
Hon cnh c bit c ngha nh c

nh ngha ti on 7.2 ti m c Ch
m dt
Hp ng v Ti khon u t trong bn
iu khon v iu kin ny.
Special Circumstance has the meaning

specified in paragraph 7.2 under the section
in these Terms and Conditions entitled
Termination of Contracts and Investments
Accounts.
iu khon v iu kin c ngha l cc

iu khon v iu kin v Dch v Ngn
hng Tiu dng Ton cu Citibank.
Terms and Conditions refers to the

Citibank Global Consumer Banking terms
and conditions.
TPIN c ngha nh c nu trong m c

Dch v Ngn hng qua in thoi ca Bn
iu khon v iu kin ny.
TPIN shall have the meaning ascribed to

it by the section in these Terms and
Conditions entitled Telephone Banking
Service.
"Bn th ba Cung c
p Dch v " c ngha l
mt bn th ba c la chn bi ngn hng
hoc b
t k Nhm cng ty ca ngn hng
hoc Ngi i din cung c
p dch v v
khng phi l Nh cung c
p C s H tng
Thanh ton. V d v Bn th ba Cung c
p
Dch v bao gm cc nh cung c
p dch v
cng ngh, Nh cung c
p dch v thu ngoi
quy trnh kinh doanh v Nh cung c
p dch
v ch m sc khch hng.
Third Party Service Provider means a

third party selected by you or any of your
Group Companies or Representatives to
provide services to it and who is not a
Payment Infrastructure Provider. Examples
of Third Party Service Providers include
technology service providers, business
process outsourcing service providers and
call centre service providers.
2
12
"Cng dn Hoa k" c ngha l cng dn M

c th xanh hp l vo thi im hin ti,
hoc l "thng tr nhn" ( xem nh
ngha y ca "thng tr nhn" vui lng
truy cp vo trang thng tin in t ca S
Thu V Hoa K (Internal Revenue Service,
vit tt l IRS)
http:// www.irs.gov/taxtopics/tc851.html
U.S. person means a US citizen; someone

who holds a current valid green card; or a
resident alien (to see the full definition of
resident alien please go to the Internal
Revenue
Service
(IRS)
website
http://www.irs.gov/taxtopics/tc851.html
D
u hiu nhn bit Hoa K bao gm
nhng yu t sau: a) Cng dn Hoa K hoc
thng tr nhn hp php (c th xanh) b)
ni sinh ti Hoa K, c) a ch c tr hay a
ch lin lc ti Hoa K (bao gm hm th bu
in ti Hoa K), d) lnh chuyn tin c nh
thng xuyn vo mt ti khon c duy
tr trong lnh th Hoa K, hoc nhng ch th
thng xuyn nhn c t mt a ch ti
Hoa K, e) a ch nh chuyn th hay a
ch "gi th" m a ch l a ch duy
nh
t i vi khch hng, hoc f) gi
y y
quyn hoc n y quyn k c
p cho mt
ngi c a ch ti Hoa K.
U.S. indicia includes the following: a) U.S.

citizenship or lawful permanent resident
(green card) status; b) a U.S. birthplace, c) a
U.S. residence or a correspondence address
(including a U.S. P.O. box), d) standing
instructions to transfer funds to an account
maintained inside the United States, or
directions regularly received from a U.S
address, e) an incareof address or a
hold mail address that is the sole address
with respect to the client; or f) a power of
attorney or signatory authority granted to a
person with a U.S. address.
B
t k dn chiu no n mt thi im
trong ngy l dn chiu n gi Vit Nam
tr khi c quy nh khc i.
Any reference to a time of the day is to

Vietnamese time unless otherwise stated.
13
Cc t ch ngi s bao gm cc cng ty v

php nhn.
Words importing persons shall include firms

and corporate entities.
IU KHON CHUNG
TERMS APPLICABLE GENERALLY
1. Ch th ca Khch hng
1. Customer Instructions
1.1. Ngn hng c quyn, nhng khng c

ngha v , ch
p nhn v thc hin cc ch th
i vi b
t k giao dch no lin quan n
(cc) Ti khon ca ti c ti hoc
(nhng) Ngi k tn c y quyn ca ti
a ra d trc tip hay qua in thoi (m
khng cn c th t c gi li), in tn hoc
telex hoc fax hoc bng th in t,
Internet hoc ATM (hoc bng b
t k
phng tin vin thng hoc phng thc
truyn thng in t no) v:
1.1 You are entitled, but are not obliged, to

accept and execute instructions in respect
of any transaction concerning my
Account(s) given by me or my Authorised
Signatory(ies) either in person or by
telephone (which need not have any
callback procedure), cable or telex or
facsimile transmission or by electronic mail,
the Internet or ATM (or by any other
telecommunications or electronic mode of
communication) and:
(a) ngn hng c th c n c vo cc ch th

c a ra bi (nhng) Ngi k tn c
y quyn ca ti hoc b
t k ngi no
c cho l ti hoc l (nhng) Ngi k tn
c y quyn ca ti;
(a) you may rely on such instructions given

by my Authorised Signatory(ies) or any
person purporting to be me or my
Authorised Signatory(ies);
(b) trong trng hp ti y quyn cho

nhiu Ngi k tn c y quyn iu
hnh (cc) Ti khon ca ti, ngn hng
(b) where I have authorised more than one

Authorised Signatory to operate my
Account(s), you shall be entitled to act on
2
14
c quyn hnh ng theo cc ch th ca

b
t k mt hoc nhiu Ngi k tn c y
quyn nh th l cc ch th ca ti tr
khi ngn hng nhn c t ti cc ch th c
ni dung khc;
the instructions of any one or more of such

Authorised Signatory(ies) as if they were
my instructions unless you receive from
me, instructions to the contrary;
(c) ngn hng c th yu cu xc nhn cc

ch th theo phng thc do ngn hng ch
nh vo tng thi im v ngn hng, bng
ton quyn quyt nh ca mnh v khng
cn phi thng bo, c th t chi thc hin
theo b
t k ch th no nh th cho n khi
ngn hng nhn c xc nhn i vi ch
th p ng yu cu ca ngn hng;
(c) you may require that instructions be

confirmed in such manner as you may
specify from time to time and you may in
your absolute discretion and without notice
refuse to act on any such instructions until
you receive such confirmation satisfactory
to you;
(d) ngn hng c th yu cu ti a ra cc

ch th bng v n bn (v cc ti liu khc
chng minh thm quyn) trong trng hp
s tin thu c t b
t k giao dch no (k
c cc giao dch pht hnh c phiu) hoc
b
t k khon tin no trong (cc) Ti khon
s c ghi c hoc c chuyn vo b
t k
ti khon ngn hng/Citibank no khng
ng tn ti hoc vo ti khon ngn hng
khc;
(d) you may require me to give written

instructions (and any other documentary
evidence of authority) in the case where the
proceeds of any transactions (including
placements) or any funds in the Account(s)
are to be credited or remitted to any
your/Citibank account not in my name or to
another bank account;
(e) ngn hng c th la chn khng thc

hin cc ch th ca ti nu vic lm cho
(e) you may elect not to act upon my

instructions where it results in the total
15
tng s tin ca cc lnh thanh ton vt

qu s d c trong (cc) Ti khon ca ti
hoc vt qu s tin ca cc Hn mc Tn
d ng c c
p cho ti, nhng nu ngn
hng thc hin cc ch th , ngn hng c
th la chn thc hin ton b hoc mt
phn ca lnh thanh ton;
amount of orders exceeding the credit

balance in my Account(s) or the amount of
Facilities made available to me, but if you do
so you may elect which of such orders to
execute in whole or in part;
(f) trong trng hp ch th qua in thoi,

ngn hng c quyn t cu hi v ti v
thng tin ca (cc) Ti khon ca ti
kim tra v xc minh thng tin nhn dng
ca ti;
(f) in the case of telephone instructions you

may ask questions about me and about the
particulars of my Account(s) to try and
verify my identity;
(g) ti ng ngn hng ghi m cc cuc

in thoi gia ti vi ngn hng lm
bng chng cho cc ch th v cc trao i
bng ming khc; v
(g) I consent to you recording my telephone

conversations with you to provide evidence
of
instructions
and
other
verbal
communications; and
(h) ngn hng c th t chi thc hin b

t
k ch th no m ti a ra nu ngn hng
c l do hp l nghi ng rng c xy ra
gian ln hoc cc hot ng ti phm khc,
hoc ngn hng c l do hp l tin rng
bng cch thc hin theo cc ch th, ngn
hng (hoc b
t k Nhm cng ty ca ngn
hng hoc hoc Bn th ba Cung c
p Dch
v ca ngn hng/Nhm cng ty) c th vi
(h) you may refuse to act on any

instructions given by me if you reasonably
suspect fraudulent or other criminal
activity; or you reasonably believe that by
carrying out the instruction you (or any of
your Group Companies or your or their
Third Party Service Providers) might break
Law or Regulation or another code, or other
duty that applies to you or them; or such
2
16
phm Lut hoc Quy nh php lut hoc B

lut khc, hoc nhng ngha v khc p
d ng i vi ngn hng, hoc nhng ch th
khng ph hp vi b
t k Lut hoc Quy
nh php lut. Tr khi Lut hoc Quy nh
php lut khng cho php, ngn hng s c
gng lin h vi ti cng sm cng tt
thng bo rng ngn hng s khng thc hin
cc ch th (ngn hng c th thng bo qua
mt nh bn l hoc qua thng bo t ng, v
d trn mn hnh my ATM hoc cc phng
tin truyn thng m chng ti c th truy cp
c). Trong trng hp ch th ca ti lin
quan n vic thanh ton, ngn hng s thng
bo t chi thc hin ch th trc khi khon
thanh ton ny c th n ngn hng ca
ngi khc. Trong trng hp cn thit, ngn
hng cng s thng bo cho ti bit l do ti
sao ngn hng khng x l cc ch th v / hoc
thng bo cho ti bit nhng g ti c th lm g
chnh sa b
t k li no dn ti vic t chi.
Ti cng c th lin lc vi ngn hng tm
hiu l do ti sao ch th b t chi thc hin.
Ngn hng s khng phi chu trch nhim vi
ti cho b
t k tn th
t hoc thit hi ca ti,
trong b
t k tnh hung no, do vic t chi
thc hin ch th theo khon 1.1 (h).
instructions are inconsistent with any Law

or Regulation. Unless you are not permitted
to do so by Law or Regulation, you will try to
contact me as soon as possible to tell me
that you will not carry out the instruction
(you may do this through a retailer or via an
automatic message, for example on an ATM
screen or other means of communication
available to us). Where my instruction
involves making a payment, you will do this
before the time the payment should have
reached to the other persons banks. Where
reasonable practicable, you will also tell me
why you will not process the instruction
and/or what I can do to correct any errors
that caused the refusal. I can also contact
you to find out why an instruction has been
refused. You will not be liable for me for any
loss or damage suffered by me resulting in
any way from a refusal to act on
instructions under this Clause 1.1(h).
17
1.2. Nu c b
t k s m h, khng nh
t
qun hoc mu thun no trong cc ch th
m ngn hng nhn c t ti v/hoc
(nhng) Ngi k tn c y quyn ca
ti, ngn hng c th la chn khng thc
hin cc ch th tr khi v cho n khi s
m h hoc mu thun c gii
quyt p ng yu cu ca ngn hng hoc
ngn hng c th la chn thc hin cc ch
th ca t
t c (nhng) Ngi k tn c y
quyn cho d b
t k gi
y y quyn hin ti
hoc ch th tng ng c yu cu khc.
1.2 If there is any ambiguity, inconsistency

or conflict in the instructions you receive
from
me
and/or
my
Authorised
Signatory(ies), you may choose not to act
upon them unless and until the ambiguity or
conflict has been resolved to your
satisfaction or you may choose to act only
on the instructions of all the Authorised
Signatory(ies) notwithstanding that any
relevant existing mandate or instructions
require otherwise.
1.3. Ngn hng khng b buc phi thc hin

cc ch th ca ti tr khi ch th c a ra
trong gi giao dch vo cc Ngy Lm vic.
thc hin cc ch th ca ti, ngn hng
c th s d ng cc dch v ca mt ngn
hng i l m khng cn phi thng bo
trc cho ti v cung c
p cho ngn hng i
l cc thng tin cn thit lin quan n cc
ch th ca ti.
1.3 You shall not be required to effect my

instructions except during banking hours on
Business Days. In order to comply with my
instructions you may, without giving me
prior notice, use the services of a
correspondent bank and provide the
correspondent bank with necessary
information relating to my instructions.
1.4. Ngn hng c quyn xem b

t k ch
th no (cho d c a ra bng ming hay
bng v n bn, bng v n bn gi
y hay d liu
in t) c cho l do ti hoc b
t k ngi
no c ti y quyn a ra l hp l v c
1.4 You are authorised to treat as valid and

binding on me and to act on any
instructions (whether oral or written, in
hard or electronic copy) purportedly given
by me or any person authorised by me,
2
18
gi tr rng buc i vi ti v c quyn thc

hin cc ch th m khng c ngha v
phi kim tra thng tin nhn dng hoc
thm quyn ca (nhng) ngi a ra hoc
c cho l a ra ch th hoc tnh xc
thc ca cc ch th , v b
t k c cc tnh
hung xy ra ti thi im a ra cc ch th
hoc tnh ch
t ca giao dch v b
t k c
b
t k sai st, nhm ln, gian ln, gi mo
hoc khng r rng trong cc iu khon
ca cc ch th, bao gm nhng khng gii
hn n cc ch th c a ra hoc c
cho l do ti a ra cho ngn hng c n c
vo:
without being obliged to enquire as to the

identity or authority of the person(s) giving
or purporting to give such instructions or
the authenticity thereof, and regardless of
the circumstances prevailing at the time of
such instructions or the nature of the
transaction and notwithstanding any error,
misunderstanding, fraud, forgery or lack of
clarity in the terms of such instructions,
including but not limited to instructions
given or purported to be given by me to you
pursuant to:
(a) vic ti s d ng Dch v Ngn hng qua

in thoi;
(a) my use of the Telephone Banking

Service;
(b) vic ti s d ng dch v ngn hng qua

fax; v
(b) my use of any facsimile banking service;

and
(c) vic ti s d ng Dch v Ngn hng Trc

tuyn Citibank.
(c) my use of Citibank Online Internet

Banking Service.
1.5. B
t k ch th no c th chuyn sang
Mt m s c xem l cc ch th c ti
hoc (nhng) Ngi k tn c U quyn
ca ti thay mt ti truyn i hoc a ra
mt cch hp l. Trong trng hp , ti s
1.5 Any instructions referable to the Codes

shall be deemed to be instructions
transmitted or validly issued by me or my
Authorised Signatory(ies) on my behalf. In
this respect, I shall keep all Codes
19
gi b mt i vi t

t c cc Mt m v s
ng n chn cc Ch th phi php, gi mo
hoc khng c thm quyn c a ra.
confidential and will prevent any

fraudulent,
forged
or
unauthorised
Instructions being given.
1.6. Nu ngn hng ch

p nhn cc ch th ca
ti thng qua th in t hoc cc phng
tin in t khc k c cc ch th a ra s
d ng thit b u cui hoc thit b in t
ti a im kinh doanh ca ngn hng, ti
hoc (nhng) Ngi k tn c U quyn
ca ti s tun th vic s d ng cc Mt m
c th c ngn hng cung c
p. Ngn hng
s c quyn tin hnh bi hoc cho chnh
mnh cc th t c bo mt lin quan n cc
ch th c truyn thng qua th in t
hoc cc phng tin in t khc. Ngn
hng s khng b buc phi tin hnh hoc
cung c
p cc Mt m hoc bo lnh hoc
bo m tun th vi cc Mt m, v s
khng chu trch nhim v cc hu qu nu
cc Mt m khng c thc hin. Ngn
hng/Citibank s khng chu trch nhim
i vi cc Mt m khng c thc hin
mt cch ng n, hoc nu khng t
c vic tun th Mt m trit .
1.6 If you accept my instructions through

electronic mail or other electronic means,
including instructions given using any
computer terminal or electronic machines
at your place of business, I or my
Authorised Signatory(ies) will comply with
the use of such Codes as may be
implemented by you. You shall also be
entitled to carry out by or for itself security
procedures in relation to the instructions
that are transmitted through electronic
mail or other electronic means. You shall
not be bound to carry out or prescribe
Codes or to guarantee or ensure
compliance with Codes, and shall not be
liable for the consequences if no Codes are
implemented. Citibank and you shall not be
liable for Codes that are not properly
implemented, or if full compliance with the
Codes is not attained.
20
2. Tin gi
2. Deposits
2.1. Ti s gi tin vo (cc) Ti khon theo

phng thc do ngn hng quy nh vo
tng thi im. Phiu gi tin s c xc
nhn bng thit b u cui hoc bi b
t k
nhn vin c thm quyn no ca ngn
hng.
2.1 I shall make deposit(s) to the Account(s)

in such manner as you may prescribe from
time to time. Receipt tickets for deposits
will be validated by your computer terminal
or by any of your authorised officers.
2.2. (Nhng) Khon tin gi bng tin mt

no khng c kim tra ngay s tu thuc
vo vic kim m ca ngn hng. Nu s
tin c ghi trn phiu gi tin khc vi s
tin m ngn hng m c sau th s
tin ngn hng m c s c gi tr cui
cng v quyt nh.
2.2 Cash deposit(s) which are not verified

immediately are subject to count by you. If
the amount indicated on the receipt ticket
differs from that of your later cash count,
your count shall be final and conclusive.
2.3. (Nhng) Khon tin gi t s tin nhn

c t cc sc s c gi tr sau khi thanh
ton.
2.3 Deposit(s) established with the

proceeds of checks will be value dated after
clearance.
2.4. T
t c cc sc c gi s c ngn
hng nhn vi t cch i l thu h v ngn
hng c th thc hin b
t k hnh ng no
di y m khng phi chu b
t k trch
nhim no i vi ti:
(a) chuyn b
t k sc nh thu no n ngi
k pht, ngi chi tr hoc ngi th hng
2.4 All checks which are deposited are

received by you as agent for collection and
you may without any liability to me either:
(a) route any check for collection to the
maker, drawee or other payee for handling
21
khc x l theo cc quy nh tng ng

ca sc v thanh ton bng tin mt, hi
phiu ngn hng hoc phng thc khc;
hoc
in accordance with their respective

regulations and for payment in cash, bank
draft or otherwise; or
(b) khng xu
t trnh, yu cu, thu hoc a
ra thng bo v vic khng thanh ton hoc
t chi thanh ton i vi b
t k sc no
nh th vo b
t k ngy th By, Ch Nht
hoc ngy ngh l no khc.
(b)refrain from presenting, demanding,

collecting or giving notice of nonpayment
or dishonoured with respect to any such
check on any Saturday, Sunday or other
public holiday.
T
t c cc sc u c th c ghi n cho ti
vo b
t k thi im no tr khi ngn hng
nhn c khon thanh ton y v cui
cng.
All checks may be charged to me at any

time unless full and final payment is
received by you.
Ngn hng c th t chi ch

p nhn cc sc
nh thu c k pht theo lnh ca cc bn
th ba. Ti phi thu xp vi ngn hng v
vic xc nhn cc chng thc trc.
You may refuse to accept for collection

checks drawn to the order of third parties. I
must make arrangements with you for the
confirmation of prior endorsements.
2.5. T
t c (cc) khon tin gi i vi sc
bng ngoi t u phi tun th thi gian
lu gi ca ngn hng v ngn hng c
quyn ng n c
m ti rt (cc) khon tin gi
khi ngn hng cha thc s nhn c
tin.
2.5 All foreign currency check deposit(s)

are subject to your hold period and you
shall be entitled to prohibit my withdrawal
of the same pending your actual receipt of
funds.
2.6. Khi nhn sc gi tin, ngn hng ch
2.6 In receiving checks for deposit, you act

2
22
hnh ng vi t cch l i l thu h v

khng chu trch nhim i cc sc v
nu ngn hng khng nhn c b
t k
khon tin ca sc v b
t k l do g, ngn
hng c quyn ghi n hoc a ra yu cu
bi hon i vi s tin , k c s tin ca
b
t k sc no c k pht cho ngn hng
m khng c thanh ton v b
t k l do
no v cho d sc c c tr li cho ti
hay khng.
only as collecting agent and are not

responsible for the realisation of such
checks and if you do not receive payment of
the amount of any check for any reason,
you are entitled to charge back or claim
reimbursement for such amount, including
the amount of any check drawn on you
which cannot be paid for any reason and
whether or not such check is returned to
me.
2.7. Vo b
t k thi im no v theo ton
quyn quyt nh ca mnh, ngn hng c
th gii tr ton b trch nhim ca ngn
hng i vi (cc) khon tin gi bng cch
gi cho ti, theo a ch gn nh
t m ti
thng bo cho ngn hng, mt hoc nhiu
hi phiu bng loi tin ca (cc) khon tin
gi phi tr theo lnh ca (cc) ch ti
khon vi s tin bng n gc cng v li
pht sinh trn s n gc , nu c. Trong
trng hp mt khon tin gi ng tn
nhiu ngi, hi phiu hoc cc hi phiu s
c thanh ton cho t
t c nhng ngi
nm gi (cc) khon tin gi nhng c gi
n a ch c th c ch nh l a ch gi
th i vi (cc) Ti khon.
2.7 You may, at any time and at your sole

discretion, discharge your entire liability
with respect to the deposit(s) by mailing to
me, at my last known mailing address
notified to you, a draft or drafts in the
currency of the deposit(s) payable to the
order of the account holder(s) in the
amount of the principal and interest
accrued, if any. In the case where a deposit
is made in more than one persons name,
the draft or drafts shall be made payable to
all the holders of the deposit(s) but mailed
to the specific address indicated as the
mailing address for the Account(s).
23
2.8. Trong trng hp ti rt b

t k
khon tin gi no trong (cc) Ti khon m
ngn hng cha thc s nhn c khon
thanh ton no, bng v n bn ny ti u
quyn cho ngn hng c o ngc cc
bt ton ghi c v thc hin b
t k hnh
ng cn thit no m khng cn phi thng
bo cho ti v ti ng rng b
t k vic
o ngc bt ton no nh th v hnh
ng nh th do ngn hng thc hin s c
gi tr rng buc i vi ti.
2.8 In the event that I have drawn on any

deposit in the Account(s) when no actual
payment has been received by you, I hereby
authorise you to reverse the credit entries
and to take any other necessary steps
without notice to me and I agree that any
such reversal of entries and such action
taken by you shall be binding on me.
2.9. Ngn hng c th s d ng t gi hi

oi chuyn i tin t m ngn hng
cho l thch hp khi ti ch th ngn hng ghi
c vo (cc) Ti khon khon tin bng
ng Vit Nam tng ng vi b
t k
khon tin gi bng ngoi t no.
2.9 You may use the rate of exchange for

currency conversion as you deem fit when I
instruct you to credit the Account(s) with
the Vietnamese Dong equivalent of any
foreign currency deposit.
3. Rt tin
3. Withdrawals
3.1. Tr khi c thu xp trc vi ngn hng,

ti khng c rt b
t k khon tin gi no
trong (cc) Ti khon cho n khi ngn hng
thc s nhn c s tin .
3.1 Except by prior arrangement with you, I

may not withdraw any deposit(s) made to
the Account(s) until you have received
actual payment of the funds.
3.2. Ti ch c rt tin t (cc) Ti khon

c s d hoc c mc th
u chi c ch
p
thun trc hoc cc Hn mc Tn d ng c
3.2 I may only draw on the Account(s)

having a credit balance or with a
preapproved overdraft or Facilities
2
24
ngn hng c
p cho ti ph thuc vo hn
mc c ngn hng ch
p thun trc, v
ti khng c rt tin t b
t k chi nhnh,
cng ty con hoc cng ty lin kt no ca
Citibank.
granted by you to me subject to your

preapproved limit, and I am not entitled to
draw on another branch, subsidiary or
affiliate of Citibank.
3.3. Ngn hng khng c ngha v phi hnh

ng theo b
t k ch th rt tin no m ti
a ra tr khi ngn hng nhn c cc ch
th c ti a ra ph hp vi m c Ch th
ca Khch hng trong bn iu khon v
iu kin ny.
3.3 You are not obliged to act on any

instructions given by me for the withdrawal
of the deposit(s) unless you receive such
instructions given to you by me in
accordance with the section in these Terms
and
Conditions
entitled
Customer
Instructions.
3.4. Vic rt tin t cc ti khon ngoi t

c thc hin bng tin mt, hi phiu
hoc in chuyn tin ca ngn hng bng
loi tin ca ti khon theo yu cu bng
v n bn ca ti hoc bng in tn c xc
nhn, v s ph thuc vo s d c trong
cc ti khon ngoi t v hn mc th
u chi
c ngn hng ch
p thun. Yu cu
c th bng hnh thc hi phiu tr ngay
c k pht cho ngn hng. Ngn hng,
theo la chn ca mnh, c th thanh ton
cho ti bng b
t k loi tin no c lu
hnh ti a phng vo thi im .
3.4 Withdrawal from foreign currency

accounts shall be made by cash, your drafts
or telegraphic transfers in the currency of
the account at my request in writing or by
authenticated cable, and shall be subject to
the credit balance in the foreign currency
accounts and overdraft limit as agreed by
you. Such request may be in the form of a
sight draft drawn upon you. You may, at
your option, pay me in any such currency as
may then be in local circulation.
25
c ngn hng cp cho ti ph thuc vo

hn mc c ngn hng chp thun trc,
v ti khng c rt tin t bt k chi
nhnh, cng ty con hoc cng ty lin kt no
ca Citibank.
granted by you to me subject to your

preapproved limit, and I am not entitled to
draw on another branch, subsidiary or
affiliate of Citibank.
3.3. Ngn hng khng c ngha v phi hnh

ng theo bt k ch th rt tin no m ti
a ra tr khi ngn hng nhn c cc ch
th c ti a ra ph hp vi mc Ch th
ca Khch hng trong bn iu khon v
iu ki
n ny.
3.3 You are not obliged to act on any

instructions given by me for the withdrawal
of the deposit(s) unless you receive such
instructions given to you by me in
accordance with the section in these Terms
and
Conditions
entitled
Customer
Instructions.
3.4. Vi
c rt tin t cc ti khon ngoi t
c th c hi
n bng tin mt, hi phiu
hoc i
n chuyn tin ca ngn hng bng
loi tin ca ti khon theo yu cu bng
vn bn ca ti hoc bng i
n tn c xc
nhn, v s ph thuc vo s d c trong
cc ti khon ngoi t
v hn mc thu chi
c ngn hng chp thun. Yu cu
c th bng hnh thc hi phiu tr ngay
c k pht cho ngn hng. Ngn hng,
theo l a chn ca mnh, c th thanh ton
cho ti bng bt k loi tin no c lu
hnh ti a phng vo thi im .
3.4
Withdrawal from foreign currency
accounts shall be made by cash, your drafts
or telegraphic transfers in the currency of
the account at my request in writing or by
authenticated cable, and shall be subject to
the credit balance in the foreign currency
accounts and overdraft limit as agreed by
you. Such request may be in the form of a
sight draft drawn upon you. You may, at
your option, pay me in any such currency as
may then be in local circulation.
26
3.5. Ti ng rng quyn rt tin mt c

iu ch nh bi khng ch Lut hoc Quy nh
php lut ca nc Cng ha x hi ch
ngha Vi
t Nam, m cn bi Lut hoc Quy
nh php lut ca quc gia ni giao dich rt
tin mt c th c hi
n.
3.5 I agree that the right to withdraw cash is

subject not only to law or regulation of the
Socialist Republic of Vietnam, but also to
Law or Regulation of the country in which
the withdrawal is requested.
4. Sc
4. Checks
4.1. Ngn hng bng vn bn ny c u

quyn ghi n t (cc) Ti khon (k c bt k
Ti khon u t no) s tin c ghi c
trc trong (cc) Ti khon nu bt k
sc hoc hi phiu no b t chi thanh
ton. Ngn hng c th p dng t gi bn
hi
n hnh ca ngn hng vo thi im ghi
n khi tnh ph ngc li cho ti hoc yu
cu bi hon chi ph trong trng hp s
tin c ghi c trc khng phi l
ng Vi
t Nam. Cc sc b t chi thanh
ton hoc b tr li hoc cc cng c chuyn
nhng b t chi thanh ton khc c th
c tr li cho ti bng ng bu i
n
thng thng vi chi ph v ri ro do ti
gnh chu. Ti s bi hon cho ngn hng
bt k tn tht no m ngn hng phi chu
do cc sc hoc cc cng c chuyn
nhng khc b t chi thanh ton.
4.1 You are hereby authorised to debit the

Account(s) (including any Investment
Account) with the amount previously
credited in relation thereto if any checks or
drafts are dishonoured. You may apply your
prevailing selling rate at the time of debit
when
charging
back
or
claiming
reimbursement where such previously
credited amount is in a currency other than
Vietnamese Dong. Dishonoured or returned
checks or such other dishonoured
negotiable instruments may be returned to
me by ordinary post at my sole risk and
expense. I shall reimburse you for any loss
which you suffer as a result of such
dishonour of checks or other dishonoured
negotiable instruments.
27
4.2. Ti c th rt tin t cc sc bng loi

tin m ngn hng c th cho php vo tng
thi im v, tr khi c tha thun khc
i, vi cc hnh thc sc do ngn hng cung
cp. Ngn hng c th t chi nhn thanh
ton bt k sc no nu theo kin ca
ngn hng ch k khc vi ch k mu c
cung cp cho ngn hng. Ngn hng cng
c th t chi thanh ton tin mt cho cc
sc c k pht cho ngn hng nu t V
danh trn sc xut trnh thanh ton b
gch b.
4.2 I may draw on checks in such currency

as you may from time to time allow and,
unless otherwise agreed, on check forms
provided by you. You may refuse to honour
any check where in your opinion the
signature differs from the specimen
signature furnish to you. You may also
refuse to make a cash payment on checks
drawn on you where the word Bearer on
the checks presented for payment has been
cancelled.
4.3. Bt k sa i no trn sc phi c

xc nhn bng ch k y ca ngi k
pht. Ngn hng c th t chi thanh ton
bt k sc no nu phn sa i trn sc
c xc nhn bi mt ch k khng y
hoc ch bng ch k tt.
4.3 Any alteration on checks must be

confirmed by the drawers full signature.
You may dishonour any check where the
alteration is confirmed by an incomplete
signature or by initials only.
4.4. Ngn hng bng ton quyn quyt nh

ca mnh c th t chi bt k sc no (bao
gm nhng khng hn ch bt k sc c
k pht theo l
nh ca cc bn th ba) hoc
cng c ti chnh khc cho mc ch gi tin.
Ti phi thu xp vi ngn hng v vi
c xc
nhn cc chng th c trc.
4.4 You may in your absolute discretion

refuse to accept any check (including
without limitation any check drawn to the
order of third parties) or other financial
instrument for deposit. I must make prior
arrangements with you for the confirmation
of prior endorsements.
28
4.5. Ngn hng c th nh du cc sc l

c hi
u l c thanh ton cho mt nh ch
ti chnh khc, trong trng hp (cc) Ti
khon s c ghi n ngay lp tc vi s
tin trn sc c nh du.
4.5 You may mark checks as good for

payment to another financial institution, in
which case the Account(s) will be debited
immediately with the amount of the marked
check.
4.6. Ngay khi nhn c mt sc bng ngoi

t
b ngn hng thanh ton t chi v tr li
do khng tin, gi mo, ngng thanh
ton hoc bt k l do no khc, t gi bn
hi
n hnh ca ngn hng vo thi im tr
li s c p dng khi ngn hng tnh ph
ngc li cho ti hoc yu cu bi hon s
tin c ghi c trc .
4.6 Upon receipt of a returned foreign

currency check which was not honoured by
a drawee bank because of insufficiency of
funds, forgery, stoppage of payment or any
other reason, your prevailing selling rate on
the date of return will be applied when you
charge back or claim reimbursement for
such previously credited amount.
4.7. Ti chu trch nhi

m hon ton v tnh
xc th c, hp l
v chnh xc ca tt c cc
ch k, chng th c v cc thng tin xut
hi
n trn cc sc. Tt c cc sc c th c
tnh cho ti vo bt k thi im no tr khi
ngn hng nhn c khon thanh ton y
v cui cng.
4.7 I assume full responsibility for the

genuineness, validity and correctness of all
signatures, endorsements and particulars
appearing on the checks. All checks may be
charged to me at any time unless full and
final payment is received by you.
4.8. Cc sc bng USD c k pht cho

ngn hng ti Vi
t Nam v c th c gi
n ngn hng i ly hi phiu tr ngay
k pht cho Citibank New York hoc bi
hon theo hnh thc i
n chuyn tin.
4.8 United States Dollar checks are drawn

on you in Vietnam and may be sent to you in
exchange for sight drafts drawn on Citibank
New York or for reimbursement by
telegraphic Transfer.
29
5. Hi phiu i n/Hi phiu nhn n
5. Bills of Exchange/Promissory Notes
Nu bt k hi phiu i n, hi phiu nhn

n hoc cc cng c chuyn nhng khc
m theo ti c ngha v i vi ngn
hng vi t cch l ngi k pht, ngi
chp nhn, ngi chng th c hoc t cch
khc, khng c thanh ton vo ngy n
hn th ngn hng c quyn, ngay lp tc
hoc vo bt k thi im no sau , ghi n
vo (cc) Ti khon m khng nh hng
n cc quyn v bi
n php x l i vi ti
hoc bt k bn th ba no khc theo cc
hi phiu i n, hi phiu nhn n hoc cc
cng c chuyn nhng hoc chng t khc,
v khng nh hng n cc quyn ca
ngn hng c x l bt k chng khon
hoc hng ha no c ngn hng lu gi
i vi hoc lin quan n hoc nh l bi
n
php bo m cho hi phiu i n, hi
phiu nhn n, cng c chuyn nhng
hoc cc chng t khc.
If any bills of exchange, promissory notes or

negotiable instruments in respect of which I
am liable to you as drawer, acceptor,
endorser or otherwise shall not be paid on
the due date you shall be at liberty
forthwith or at any time thereafter to debit
the Account(s) without prejudice to your
rights and remedies against me or any
other parties under the said bills,
promissory notes or negotiable instruments
or other documents, and without prejudice
to your rights to realise any other securities
or goods held by you in respect of or in
connection with or as security for such bills,
promissory notes, negotiable instruments
or other documents.
6. Chuyn Tin
6. Funds Transfer
6.1. T hi phiu c s dng trong vn

bn ny ngha l hi phiu tr ngay, Sc
Ngn hng v thut ng s tin chuyn
ngha l bt k s tin no c chuyn t
6.1 The word draft used herein shall refer

to demand drafts, Cashiers Orders and the
expression transferred funds shall refer
to any money transferred from one Account
30
mt Ti khon sang Ti khon khc hoc

sang mt ti khon ca bn th ba (cho d
c c m v duy tr ti ngn hng hay
khng) theo giy ngh chuyn tin bng
i
n tn, SWIFT hoc chuyn ni b.
to another Account or to a third party

account (whether or not opened and
maintained with you) pursuant to a cable
transfer, SWIFT or internal transfer
application.
6.2. Vi
c nhn tin mt t hi phiu hoc
thanh ton s tin chuyn phi tun th
bt k Lut hoc Quy nh php lut no ca
quc gia ni hi phiu c chi tr hoc vi
c
thanh ton c th c hi
n. Ngha v ca
ngn hng trong trng hp ny s khng
vt qu phm vi m vi
c thanh ton
c php theo cc Lut hoc Quy nh
php lut bng loi tin m hi phiu
c k pht hoc s tin chuyn c
gi.
6.2 Encashment of the draft or payment of

the transferred funds is subject to Law or
Regulation or any laws and regulations of
the country where the draft is to be
encashed or payment is to be made . Your
liability in this respect shall not exceed the
extent to which payment may be allowed by
such Laws or Regulations in the currency in
which the draft is drawn or transferred
funds are to be sent.
6.3. Theo yu cu ca ti, ngn hng c th

(nhng khng c ngha v) hon tr hoc
mua t ti bt k s tin no ca hi phiu
hoc s tin chuyn v, trong trng hp
hi phiu, khi ngn hng nhn c hi
phiu c chng th c hp l
bi ngi
ngh, theo t gi mua giao ngay hi
n hnh
cho loi tin lin quan tr chi ph, l
ph, ph
tn v tin li (ty tng trng hp) vi iu
ki
n l ngn hng ang nm gi s tin m
6.3 At my request, you may (but shall not be

obliged to) refund or to purchase from me
the amount of the draft or the transferred
funds and in the case of drafts, upon your
receipt of the drafts duly endorsed by the
applicant, at the then current demand
buying rate for the currency in question
less costs, charges, expenses and interest
(where applicable) provided you are in
possession of the funds for which the
31
ch th thanh ton lin quan c a ra m

khng phi trao i hoc c nhng hn ch
khc.
payment instructions were issued free from

any exchange or other restrictions.
6.4. Tr khi c tha thun khc bng vn

bn, ngn hng bng ton quyn quyt nh
ca mnh c th chuyn i s tin nhn
c t ngi ngh sang ngoi t
theo t
gi bn ca ngn hng vo ngy nhn c
s tin . Bn k v vi
c ngn hng th c
hi
n vi
c chuyn i s c gi tr quyt
nh v rng buc i vi ti.
6.4 Unless otherwise agreed in writing, you

may at your discretion convert into foreign
currency the funds received from the
applicant at your selling rate on the day
such funds are received. Your written
statement that you have effected such
conversion shall be conclusive and binding
on me.
6.5. Loi tin khng phi l tin ca quc gia

m s tin c chuyn n s c thanh
ton cho ngi nhn bng loi tin ca quc
gia theo t gi mua ca ngn hng i l
hoc i l ca ngn hng tr khi ngi
nhn tin thu xp vi ngn hng i l hoc
i l thanh ton nhn khon tin thanh
ton bng loi tin khc khi thanh ton tt
c cc ph pht sinh hoc phi tr cho ngn
hng i l hoc i l ca ngn hng lin
quan n vi
c .
6.5 Currency other than that of the country

to which the remittance is made shall be
payable to the payee in the currency of the
said country at the buying rate of your
correspondents or agents unless the payee
arranges with the paying correspondent or
agent to obtain payment in some other
currency upon paying all charges incurred
or levied by your correspondent or agent in
connection therewith.
6.6. Ngn hng c th th c hi

n cc bi
n
php cn thit pht hnh hi phiu hoc
chuyn tin theo quy nh ca bn iu
khon v iu ki
n ny. Ngn hng c th
6.6 You may take your customary steps for

issue of drafts or for remittance according
to these Terms and Conditions. You may
send any message relative to this transfer
32
gi bt k thng bo no lin quan n vi

c
chuyn tin ny bng ngn ng r rng, m
hoc mt m.
in explicit language, code or cipher.
6.7. Nu bt k hi phiu no pht hnh cho

ti b mt, nh cp hoc b h, ngn hng
c th ng pht hnh bng chi ph v ph
tn ca ti mt hi phiu thay th hoc
hon tr li cho ti s tin mua hi phiu ,
vi iu ki
n l ti phi bo m cho ngn
hng khng phi chu trch nhi
m i vi
hi phiu b mt, nh cp hoc b h theo
yu cu ca ngn hng, hoc gi ti ngn
hng s tin theo quyt nh ca ngn hng
v s tin ny s c hon tr li cho ti
theo cc iu ki
n m ngn hng a ra.
6.7 If any draft issued to me is lost, stolen or

destroyed, you may agree to issue at my
cost and expense a replacement draft or
refund to me the purchase amount of such
draft, provided that I execute in your favour
such indemnities against liability for the
lost, stolen or destroyed draft as you may
require, or place with you such sums as
determined by you which shall be refunded
to me upon such conditions as you may
impose.
6.8. Khi pht hnh sc du lch, ngn hng ch

hnh ng vi t cch l i l ca ngi
pht hnh th c s v vi
c mua bn s c
iu ch nh bi hp ng mua bn lin quan
gia ti v ngi pht hnh th c s ca cc
sc du lch .
6.8 In issuing travellers checks, you are

acting only as an agent of the actual issuer
and the purchase and sale shall be
governed by the relevant purchase
agreement between me and the actual
issuer of such travellers checks.
6.9. Vi
c chuyn tin t (cc) Ti khon cho
cc bn th ba ch c th c th c hi
n
theo trong gii hn ti a v bt k iu ki
n
no khc m ngn hng c th quy nh vo
tng thi im.
6.9 Transfers of funds from the Account(s)

to third parties may only be effected subject
to such maximum limit and any other
conditions you may prescribe from time to time.
33
7. Lnh Ngng Thanh ton
7. Stop Payment Order

ca mnh c th l a chn hnh ng theo
ch th ca ti hy b hoc ngng thanh
ton sc. Ti ch c th yu cu ngn hng
hy b hoc ngng thanh ton sc m ti
k pht nu ti ng (a) bi hon cho ngn
hng bt k tn tht no pht sinh t vi
c
khng thanh ton sc ; (b) nhanh chng
gi thng bo bng vn bn cho ngn hng
nu sc b thu hi hoc b h hoc nu v bt
k l do no l
nh ngng thanh ton ny b
hy b; v (c) l
nh ngng thanh ton c
hy b su (6) thng sau ngy yu cu. Cc
ch th ny phi nu c th s sri ca sc,
ngy pht hnh, tn ngi nhn tin (nu
c) v s tin, v phi c hi
u l c trong su
(6) thng k t ngy a ra ch th hoc
thi hn khc do ngn hng quy nh.
7.1 You may at your absolute discretion

elect to act upon my instructions to
countermand or stop payment of a check. I
can only request you to countermand or
stop payment on a check I have drawn if I
agree (a) to indemnify you against any loss
resulting from such nonpayment of the
check; (b) to notify you promptly in writing
if the check is recovered or destroyed or if
for any other reason this stop payment
order may be cancelled; and (c) that the
stop payment order is cancelled six (6)
months after the date of request. These
instructions shall specify the serial number
of the check, the date of issue, the payees
name (if any) and the amount, and shall be
valid for six (6) months from the date of
such instructions or such other period as
you may prescribe.
7.2. Ti s thng bo cho ngn hng:
7.2 I shall give you notice:
(a) nu bt k sc no b thu hi hoc b hu

b hoc nu cc ch th hy b hoc ch th
ngng thanh ton b hy b; v
(a) if any check is recovered or destroyed or

if the instructions to countermand or stop
payment are to be cancelled; and
(b) trc khi pht hnh sc thay th v ghi
(b) before issuance of a replacement check

34
trn b mt ca sc ch THAY TH v

s v ngy khc vi sc b ngng.
and to inscribe on the face of such check

the word REPLACEMENT and a number
and date different from the check stopped.
8. Sao k Ti khon/Xc nhn
8. Statements/Confirmations
8.1. Ngn hng s pht hnh v gi cho ti

sao k ti khon bng vn bn hoc bng d
li
u i
n t (cng nh cc Xc nhn ca bt
k Hp ng no) theo nh k hng thng
hoc theo nh k khc m ngn hng cho l
ph hp.
8.1 You will issue and send to me

statements of account in hard copies or
electronic data (as well as Confirmations of
any Contract) at monthly intervals or at
such intervals as you may deem fit.
8.2. Ti ng kim tra tnh chnh xc ca

tt c cc chi tit trong (i) mi sao k ti
khon, mu in sn v phiu gi tin (k c
ton b cc sa i); v (ii) mi xc nhn
ca bt k Hp ng no v thng bo cho
ngn hng trong vng hai mi mt (21)
ngy k t ngy pht hnh sao k ti khon
hoc Xc nhn (ty tng trng hp) v
bt k sai bi
t, thiu st, sai st hoc cc
bt ton ghi c hoc ghi n khng ng
trong . Khi kt thc thi hn ny, cc chi
tit trong (cc) Ti khon v Xc nhn s
c gi tr quyt nh i vi ti m khng
cn thm bng chng no khc chng minh
rng cc chi tit l khng ng, ngoi tr
nhng sai st c thng bo v bt k
8.2 I agree to verify the correctness of all

details contained in (i) each statement of
account, printed form and deposit slip
(including all amendments thereto); and (ii)
each confirmation of any Contract and to
inform you within twentyone (21) days
from the date of such statement of account
or Confirmation (as the case may be) of any
discrepancies,
omissions,
errors
or
wrongful credits or debits therein. Upon the
expiry of this period, the details in the
Account(s) and such Confirmations shall be
conclusive against me without further proof
that, except as to any alleged errors so
notified and any payments made on forged
or unauthorised indorsements, that such
35
khon thanh ton no c thanh ton d a

trn cc chng th c gi mo hoc khng
c php, nhng vn lun lun ph thuc
vo quyn ca ngn hng c sa i hoc
xa b vo tng thi im bt k chi tit no
c ngn hng thm vo khng ng, nh
quy nh ti on 8.3 di y. Tr khi c
quy nh ti on ny, ngn hng khng
phi chu bt k khiu ni no lin quan n
(cc) Ti khon v cc chi tit ca cc giao
dch trong bt k sao k ti khon hoc Xc
nhn no.
details are correct but subject always to

your right to amend or delete from time to
time any details wrongly inserted by you as
set out in paragraph 8.3 below. Except as
provided in this paragraph, you shall be free
from all claims in respect of the Account(s)
and the details of the transactions
contained in any statement of account or
Confirmation.
8.3. Bt k c bt k sao k ti khon, cc

Xc nhn hoc thng bo no c ngn
hng gi cho ti, ngn hng c quyn o
ngc bt k bt ton, yu cu hon tr
v/hoc ghi n t (cc) Ti khon i vi bt
k khon thanh ton d hoc bt ton ghi c
khng ng trong (cc) Ti khon.
8.3 Notwithstanding any statements of

account, Confirmations or notices sent by
you to me, you have the right to reverse any
entry, demand refund of and/or debit the
Account(s) in respect of any overpayment
or wrongful credit into the Account(s).
8.4. i vi cc Xc nhn c lin quan n

mt Hp ng:
8.4 In respect of Confirmations received in

respect of a Contract:
(a) Xc nhn thng c ngn hng gi

sau khi k bt k Hp ng no theo ton
quyn quyt nh ca ngn hng. Mi Xc
nhn s l phn b sung v to thnh mt
phn khng th tch ri ca Tha thun.
(a) A Confirmation will normally be sent by

you after the execution of any Contract at
your sole discretion. Each Confirmation
constitutes a supplement to and forms an
integral part of the Agreement.
36
(b) Trch nhi

m ca ti l bo m rng mi
Xc nhn s c nhn ng hn theo cch
gi th thng thng v phi hi ngn hng
v tr li cc cu hi ca ngn hng nu ti
khng nhn c Xc nhn ng hn.
(b) It is my responsibility to ensure that

every Confirmation is received in due time
according to the ordinary course of posting
and to make enquiries with and obtain the
same from you forthwith if not duly
received by me.
(c) Bt k Xc nhn no cng s c gi

hp l
nu c gi n a ch gn nht ca
ti c ng k vi ngn hng v c xem
nh ti nhn c trong khong thi gian
c th chp nhn c cho phng ti
n
thng tin .
(c) Any Confirmation shall be validly given if

despatched to my address last registered
with you and shall be deemed to have been
received by me within a generally
acceptable time for that means of
communication.
(d) Trong trng hp c bt k mu thun

hoc khc bi
t no gia cc quy nh ca
bt k Xc nhn no v Tha thun, cc quy
nh ca Xc nhn s c u tin p
dng cho giao dch c d li
u trong Xc
nhn .
(d) In the event of any conflict or

inconsistency between the provisions of
any Confirmation and the Agreement, the
provisions of such Confirmation shall
prevail for the transaction contemplated
therein.
8.5. Bt k thng bo hoc yu cu hoc bt

k giy chng nhn no v s tin n hn
v cn n ngn hng s c gi tr quyt nh
v rng buc i vi ti nu c k bi bt
k nhn vin no ca ngn hng tr trng
hp c sai st r rng.
8.5 Any notice or demand or any certificate

as to the amount due and owing to you shall
be conclusive and binding upon me if signed
by any one of your officers except in the
event of manifest error.
9. (Cc) Ti khon C nhn/Ti khon ca
9. Individual/ Joint Account(s)

37
ng ch ti khon
9.1. Nu ti l c nhn, trong trng hp ti
cht hoc c c quan c thm quyn
tuyn b mt tch, hoc trong trng hp
ngn hng th c hi
n ngha v theo Tha
thun ny m ngn hng (hoc bt k Nhm
cng ty ca ngn hng hoc hoc Bn th
ba Cung cp Dch v ca ngn hng/Nhm
cng ty) c th vi phm Lut hoc Quy nh
php lut p ng i vi ngn hng hoc
Nhm cng ty, ngn hng s c quyn ng
Ti khon v chuyn giao cho ngi c
chuyn giao nh c cp trong n m
ti khon c ngn hng chp thun v
ph hp vi Lut v Quy nh ca php lut
hi
n hnh.
9.1 If I am an individual, in the event of my

death or being declared missing by a
competent authority or in the event of
performance of your obligations under this
Agreement you (or any of your Group
Companies or your or their Third Party
Service Provider) might break a Law or
Regulation that applies to you or them, you
shall be entitled to close the Account and
pay to my transferee as mentioned in the
application for opening account accepted
by you and in accordance with Law or
Regulation.
9.2. Nu bt k mt hay nhiu Ti khon no

ng tn hai hoc nhiu ngi (gi chung l
(cc) Ti khon ca ng ch ti khon),
th nhng ngi phi lin i chu trch
nhi
m v bt k ngha v no pht sinh t
(cc) Ti khon ca ng ch ti khon.
9.2 If any one or more of the Account(s)

is/are opened in the standing names of two
or more persons (collectively, Joint
Account(s)) such persons shall be jointly
and severally liable for all liabilities incurred
on the Joint Account(s).
Nu (cc) Ti khon ca ng ch ti khon

c iu hnh bi mt ch k c thm
quyn duy nht, th:
Where the Joint Account(s) is/are operated

with a single signing authority:
38
(a) cc ch th t bt k ch Ti khon ca

ng ch ti khon no s c chp nhn
v c gi tr rng buc i vi tt c (cc)
ch Ti khon ca ng ch ti khon;
(a) instructions from any one of the Joint

Account(s) holders will be accepted and will
be binding on all Joint Account(s) holders;
(b) trng hp cc sn phm v/hoc dch

v mi c cung cp cho ti/chng ti vo
tng thi im, (cc) ch k ca (nhng)
ngi k tn c y quyn c ng k ti
n M Ti khon hoc bt k (cc) ti li
u
no khc th hi
n s chp thun ca ngi
v cc sn phm v/hoc dch v s c
gi tr rng buc i vi tt c (cc) ch Ti
khon ca ng ch ti khon; v
(b) where new products and/or services are

made available to me/us from time to time,
the signature(s) of the authorised
signatory(ies) set out in the Account
Opening Form or any other document(s)
signifying his/her/their acceptance of the
new products and/or services shall be
binding on all Joint Account holders; and
(c) nu, trc khi hnh ng theo cc ch th

nhn c t mt ch Ti khon ca ng
ch ti khon, ngn hng nhn c cc ch
th tri ngc t mt ch Ti khon ca
ng ch ti khon khc, th ngay sau
ngn hng ch hnh ng theo ch th ca tt
c (cc) ch Ti khon ca ng ch ti
khon;
(c) if, prior to acting on instructions

received from one Joint Account(s) holder,
you receive contradictory instructions from
another Joint Account(s) holder, you shall
immediately thereafter only act on the
mandate of all Joint Account(s) holders of
the Joint Account(s);
9.3. Trng hp (cc) Ti khon ca ng

ch ti khon c iu hnh bi cc ch k
chung:
9.3 Where the Joint Account(s) is/are

operated with joint signing authority:
(a) bt k ch th bng vn bn no s c
(a) any written instructions shall be executed

39
k bi tt c cc ch Ti khon; v
by all of the Account(s) holders; and
(b) cc ch th bng mi
ng s khng c
chp nhn.
(b) oral instructions will not be accepted.
9.4. (a) Nu bt k mt ch Ti khon ca

ng ch ti khon no cht hoc nu ngn
hng c yu cu tun th Lut hoc Quy
nh ca php lut, ngn hng lp tc c
quyn ng (cc) Ti khon ca ng ch
ti khon, v s d c trong (cc) Ti khon
ca ng ch ti khon v bt k chng
khon no c ngn hng lu k trong
(cc) Ti khon ca ng ch ti khon s
c, trong chng m c ti a c Lut
hoc Quy nh php lut hi
n hnh cho
php, chuyn cho mt trong nhng ngi
cn sng vi iu ki
n l trc khi th c hi
n
vi
c chuyn khon , khon n ca bt k
ai trong chng ti cn n ngn hng ti Vi
t
Nam hoc ni khc trc ht phi c b
tr t s d hoc vi
c chuyn khon
(hoc bt k vi
c chuyn khon no ca
Nhm cng ty ca ngn hng) s khng dn
ti vi
c ngn hng vi phm Lut hoc cc
Quy nh ca php lut.
9.4 (a) If any one of the Joint Account(s)

holders dies or if you are required to comply
with Law or Regulation, you shall forthwith
be entitled to close the Joint Account(s),
and the credit balance in the Joint
Account(s) and any securities held by you in
the Joint Account(s) shall be, to the
maximum
extent
permitted
under
applicable Law or Regulation, transferred
to one of the survivors provided that prior
to such transfer the indebtedness of any of
us to you in Vietnam or elsewhere shall be
first setoff from the said credit balance or
that such transfer (or any of your Group
Companies) would have not put you in
breach of Law or Regulation.
(b) Ti v ti sn ca ti, cng vi (cc) ng
(b) I and my estate, together with the other

40
ch ti khon khc, cam kt bi hon cho

ngn hng v bo m ngn hng c bi
hon i vi ton b cc khon bi thng,
chi ph, ph tn, tn tht v thi
t hi bao
gm cc khon bi thng, chi ph, ph tn,
tn tht v thi
t hi pht sinh t (i) vi
c
ng (cc) Ti khon ca ng ch ti
khon ni trn; (ii) ton b vi
c chuyn tin
lin quan n (cc) Ti khon ca ng ch
ti khon; v (iii) bt k tranh chp no gia
bt k ch Ti khon ca ng ch ti
khon v bt k ngi i di
n no ca ch
Ti khon ca ng ch ti khon cht.
Ngn hng c quyn ghi n t (cc) Ti
khon ca ng ch ti khon v/hoc (cc)
ti khon mi cc khon bi thng, chi ph,
ph tn, tn tht v thi
t hi theo ton
quyn quyt nh ca ngn hng.
9.5. Cc quy nh v Ti khon ca ng
ch ti khon trong bn iu khon v iu
ki
n Chung ny s to thnh mt tho thun
bng vn bn gia cc ch Ti khon ca
ng ch ti khon v vi
c qun l v iu
hnh Ti khon ca ng ch ti khon c
lin quan, tr trng hp cc ng ch ti
khon tha thun v k kt khc i bng vn
bn ring bi
t.
Joint Account(s) holders, undertake to

indemnify you and keep you indemnified
against all claims, costs, expenses, losses
and damages including those arising from
(i) the aforesaid closing of the Joint
Account(s); (ii) all transfer of funds in
connection with the Joint Account(s); and
(iii) any dispute between any of the Joint
Account(s) holder(s) and any personal
representatives of the deceased Joint
Account(s) holder. You shall be entitled to
debit from the Joint Account(s) and/or the
new account(s) such claims, costs,
expenses, losses and damages at your sole
discretion.
9.5 The provisions on the Joint Accounts in

these Terms and Conditions shall be
deemed to constitute the written
agreement between the Joint Account(s)
holders on the management and operation
of the relevant Joint Accounts unless
otherwise agreed in writing and executed
separately between the Joint Account(s)
41
10. (Cc) Ti khon ca cng ty
holders.
10.1. Nu c bt k (cc) Ti khon no c

m di tn ca cng ty, ngn hng s cho
php thay i (nhng) ngi k tn c y
quyn. Tuy nhin, ngn hng khng c
ngha v chp nhn bt k thay i no tr
khi ngn hng chp nhn rng thay i
c cho php hp l
bi i di
n theo
php lut ca cng ty v c chp thun
bi Hi ng Qun tr hoc Hi ng Thnh
vin hoc mt c quan ch qun khc hoc
bi bt k hnh ng no c yu cu theo
iu l
hoc vn bn thnh lp cng ty hoc
lut iu ch nh i vi cng ty .
10. Account(s) of a company
10.2. Trong trng hp thanh l cng ty, cc

khon tin ghi c trong (cc) Ti khon ch
c th c rt bi, v cc khon tin phi
tr ch c th c tr cho Ngi thanh l
theo quy nh ca php lut hi
n hnh.
11. Nhng yu cu v Ti khon
11.1. Ti xc nhn rng ti s t chu trch
nhi
m i vi vi
c c c nhng t vn
thu hp l v bt k giao dch m ti tham
gia lin quan n Ti khon. Khng c iu
khon no trong Tha thun ny cu thnh
10.1 In the case of any Account(s) opened in

the name of a company, you will allow
changes of authorised signature(s).
However, you are not obliged to accept any
change unless you are satisfied that the
change has been duly authorised by the
legal representative of the company and
approved by the Board of Management or
the Members Council or other governing
body or by other act as is required under
the charter or constitutional documents or
governing laws of that company.
10.2 In the event of liquidation of the
company, the funds credited to the
Account(s) may only be withdrawn by, and
the funds payable shall only be paid to, the
Liquidator subject to applicable law.
11. Account Requirements
11.1 I acknowledge that I am solely
responsible for obtaining appropriate
independent tax advice regarding any
transactions that I enter into relating to the
42
nn nhng t vn lin quan n thu.

11.2. Ti phi s dng (cc) Ti khon ca ti
cho mc ch c nhn.
11.3. Ti phi cung cp cc thng tin m
ngn hng c th yu cu bt c lc no, v
phi cp nht thng tin lin tc theo yu cu
ca ngn hng, ngn hng hoc bt k
Nhm Cng ty ca ngn hng tun th theo
bt k Lut hoc Quy nh php lut, c
bi
t l cc quy nh v FATCA.
C th l bt c lc no khi Ti tr thnh
cng dn Hoa K trong tng lai (iu ny
khng p dng nu ti thng bo vi
ngn hng rng ti l cng dn Hoa K khi
m ti khon), ti phi lin h
vi ngn hng
ngay lp tc cp nht thng tin . Nu
ti tr thnh cng dn Hoa K hoc nu
pht hi
n ra mt hoc nhiu du hi
u nhn
bit Hoa K lin quan ti (cc) ti khon ca
ti m ti Ngn hng Citibank khin cho
(cc) ti khon ca ti c xem nh (cc)
ti khon ca cng dn Hoa K, ti phi
hon tt v gi li cho ngn hng sm nht
c th bt k ti li
u no lin quan n cc
khon thu ca Hoa K hoc ti li
u min
tr thu m c th p dng i vi ti v
Account. Nothing in this Agreement

constitutes advice relating to tax.
11.2 I must use my Account(s) for personal
use only.
11.3 I must provide you with such
information as you may require from time
to time, and must update that information
as you require from time to time, to enable
you or any of your Group Companies to
comply with any Law or Regulation,
especially FATCA requirements.
In particular, if at any time in the future I
become a U.S. person (this does not apply if
I have already informed you that I were a
U.S. person when I opened my Account(s) I
must contact you immediately to update
such information. If I do become a U.S.
person or if there is a finding of one or more
of U.S. indicia being associated with my
Account(s) which would result in the
treatment of my Account(s) as a U.S.
persons Account(s), I must complete and
return to you as soon as reasonably
possible any relevant US tax or waiver
documentation that may apply to me and
provide any information to cure indicia that
43
cung cp thng tin gii thch cho vi

c ti
khng phi l i tng np thu Hoa K d
l c nhng du hi
u nhn bit Hoa K m
ngn hng yu cu ty tng thi im. Ti
ng rng trong trng hp ti khng
cung cp bt k ti li
u no lin quan n
cc khon thu hoc ti li
u min tr thu
hoc khng th gii thch chng minh ti
khng phi l i tng np thu Hoa K
cho d l c nhng du hi
u nhn bit Hoa
K , ti s c xem l (i) cng dn Hoa
K, hoc (ii) ch ti khon khng tun th,
v s b khu tr 30% trn cc khon thanh
ton c th khu tr c c ngun gc t
Hoa K.
you may request from time to time. I agree

that failure in providing any information or
explanation for curing the alerted U.S.
indicia or failure in providing any relevant
US tax or waiver documentation for FATCA
compliance purposes, I will be presumed to
be (i) U.S. person, or (ii) a recalcitrant
account holder, and will be subject to 30%
withholding on witholdable payments
derived from US sources,
11.4. Tit l cho cc C quan c thm quyn

nhng thng tin chi tit v Ti khon ca ti.
Khi c yu cu bi Lut hoc Quy nh
php lut, c bi
t l cc quy nh v
FATCA, Ti ng rng thng tin lin quan
n (cc) Ti khon ca ti c th c
ngn hng thng bo tr c tip (hoc gin
tip bi Citibank) cho C quan c thm
quyn ti Hoa K hoc ti lnh th ti phn
khc hoc cho bt k Nhm cng ty ca
ngn hng trong phm vi php lut Vi
t
Nam cho php.
11.4 Disclosure to Authorities of information

regarding my Account details. Where
required by Law or Regulation, especially
by FATCA, I agree that information
regarding my Account(s) may be reported
by you directly (or by Citibank, indirectly) to
Authorities in US or other jurisdiction or to
any of your Group Companies to the extent
permitted by Vietnamese law.
44
Ti ng cho Citibank hoc bt k Nhm

Cng ty no c thu thp, lu tr v x l
trong bt k hon cnh no nhm chia s,
chuyn giao v tit l thng tin cho nhau v
cho C quan c thm quyn (trong phm vi
php lut Vi
t Nam cho php) i vi bt k
thng tin chi tit no v Ti khon ca ti
(bao gm c thng tin giao dch, d li
u c
nhn) c lin quan n vi
c cung cp bt k
Dch v no v cho mc ch nh c quy
nh ti Khon 12 ca Phn "Th ATM Citi /
Th Ghi n Citibank", v ph hp vi Lut
hoc Quy nh php lut (v d cc quy nh
v FATCA) hoc theo yu cu hoc cho mc
ch ca To n, quy trnh php l, thm tra,
iu tra ca bt k C quan c thm quyn
trong phm vi php lut Vi
t Nam cho php.
Ngn hng c th chuyn thng tin chi tit
trn Ti khon ca ti (bao gm c thng tin
giao dch, d li
u c nhn) cho mt Nhm
cng ty, Bn th ba Cung cp Dch v hoc
nhn vin ca ngn hng lm vi
c mt
nc khc, min l h ng rng thng tin
ca ti s c bo v
tng ng vi vi
c
ngn hng c yu cu bo v
thng tin
ca ti ti Vi
t Nam. Ti ng cho ngn
hng hoc Citibank hoc nhng ngi khc
I consent to the collection, storage, and

processing by Citibank or any of Group
Companies wherever situated, including
sharing, transfer and disclosure between
and to Authorities (to the extent permitted
by Vietnamese law) of any information on
my Account details (including transactional
information, personal data) in connection
with the provision of any Service and for
purposes as set forth in Clause 12 of section
entitled Citi ATM Card/Citibank Debit
Card, and for compliance with any Law or
Regulation (e.g FATCA requirements) or as
required by or for the purposes of any
court, legal process, audit or investigation
of any Authority to the extent permitted by
Vietnamese law. You may transfer my
information on my Account details
(including
transactional
information,
personal data) to a Group Company, Third
Party Service Provider or person acting as
your agent in another country so long as
they agree that my information will receive
substantially the same levels of protection
as you are required to give it in Vietnam. I
consent to having my information
(including former names and genders)
45
th c hi
n thay cho ngn hng hoc nhn
vin ca h chuyn giao thng tin ca ti
(bao gm c tn trc y v gii tnh) cho
C quan c thm quyn cc nc khc nu
vi
c tit l l theo yu cu ca Lut hoc
Quy nh php lut, vi iu ki
n khng tri
vi cc nguyn tc c bn ca php lut Vi
t
Nam.
transferred by you or by Citibank or others

processing on your behalf, or their agents,
to Authorities in other countries if the
disclosure is required by Law or Regulation,
provided that it is not contrary to the basic
principles of the Vietnamese law.
12. L ph/Ph
12. Charges/Commissions
12.1. Ngn hng c quyn t ng ghi n

t (cc) Ti khon ca ti ton b cc khon
l
ph, ph (bao gm nhng khng gii hn
chi ph php l trn c s bi hon y ),
cc chi ph v ph tn, tin li, thu (do Lut
hoc Quy nh php lut yu cu), tin hoa
hng v tin pht (gi chung l cc Khon
ph) phi tr cho ngn hng cho d lin
quan n (i) cc Sn phm v/hoc Dch v
c li
t k di y; (ii) bt k ngha v no
vi bt k tnh cht no pht sinh (d ti
Vi
t Nam hay ni khc) lin quan n (cc)
Ti khon hoc lin quan n vn khc;
(iii) bt k khon thu chi no cp cho ti v
bt k khon ng trc no cn cha c
thanh ton; (iv) bt k ngha v no thuc
bt k tnh cht no pht sinh (d ti Vi
t
12.1 You are authorised to automatically

debit my Account(s) with the full amount of
any charges, fees (including without
limitation legal fees on a full indemnity
basis), costs and expenses, interest, taxes
(where required by Law or Regulation),
commission and penalties (collectively,
Charges) payable to you whether in
respect of (i) the Products and/or Services
listed hereunder; (ii) any liability of any
nature arising (whether in Vietnam or
elsewhere) in respect of the Account(s) or
otherwise; (iii) any overdraft granted to me
and any of its outstanding advances; (iv)
any liability of any nature arising (whether
in Vietnam or elsewhere) in respect of the
Account(s); (v) any overdrawn sums on the
46
Nam hay ni khc) lin quan n (cc) Ti

khon; (v) bt k khon tin thu chi no
trn (cc) Ti khon; hoc (vi) bt k (cc)
khon u t no m ngn hng bo gi
hoc giao dch cho ti. Ngn hng c th
a cc Khon ph vo trong gi tin
hoc mc gi cho (cc) khon u t m
ngn hng bo gi cho ti m khng cn
phi phn bi
t ring r cc khon . Ti
ng cho ngn hng gi li v li ch ca
ngn hng (hoc cho mc ch tun th
Lut hoc Quy nh php lut) bt k Khon
ph, hoa hng, tin chit khu v cc hnh
thc thanh ton hoc li ch khc t bt k
bn no (k c bt k bn mi gii, bn bo
lnh hoc bn i tc) lin quan n cc
giao dch ca ti tr khi b cm bi cc quy
nh ca php lut Vi
t Nam.
Account(s); or (vi) any investment(s) which

you quote to or transact for me. You may
include such Charges in the price or rate for
such investment(s) which you quote to me
without having to separately identify them
to me. I consent to your retaining for your
benefit (or for your compliance with Law or
Regulation) any Charges, commissions,
rebates and other forms of payment or
benefit from any party (including any
broker, underwriter or counterparty) in
respect of my transactions unless
prohibited by the laws of Vietnam.
12.2. Ph s c tnh nu ti khng duy tr

s d ti thiu bt buc cho (cc) Ti khon
hoc nu (cc) Ti khon vn khng c
hot ng trong thi gian do ngn hng quy
nh vo tng thi im. Ph cng c th
c tnh nu ti ng bt k Ti khon no
ca ti trong thi gian do ngn hng quy
nh vo tng thi im hoc nu ngn hng
ng (cc) Ti khon ca ti nhm mc ch
12.2 A charge will be levied if I fail to

maintain the minimum balance required for
the Account(s) or if the Account(s) remains
inactive for such duration as you may
prescribe from time to time. Charges may
also be levied if I close any of my Account(s)
within such time period as you may
prescribe from time to time or if you close
my Account(s) in order to comply with Law
47
tun th Lut hoc Quy nh ca php lut .
or Regulation.
12.3. Ngn hng, bng ton quyn quyt

nh ca mnh, v vi mt thng bo trc
cho ti, c th iu ch nh t gi hi
n hnh
v/hoc s tin ca bt k Khon ph no
m ti phi tr cho ngn hng.
12.3 You may, at your discretion and with

prior notice to me, modify the prevailing
rate and/or amount of any Charges payable
by me to you.
12.4. V vi
c ti s dng Dch v Ngn hng
Tr c tuyn Citibank, ti ng chu mi
khon ph v l
ph phi tr lin quan n
vi
c ti s dng Dch v ny. Trong trng
hp ngn hng l a chn tip tc cung cp
Dch v ny cho ti sau khi ngn hng (i)
chm dt vi
c ti s dng Dch v ny v bt
k l do no, hoc (ii) hy b vi
c ti s
dng Dch v ny theo yu cu ca ti, ti
ng chu mi khon ph v l
ph phi tr
lin quan n vi
c cung cp li ny.
12.4 In respect of my use of the Citibank

Online Internet Banking Service, I agree to
bear all fees and charges incurred in
connection with my gaining access to this
Service. In the event that you elect to
reextend this Service to me after you (i)
have terminated my use of this Service for
any reason whatsoever, or (ii) have
cancelled my use of this Service at my
request, I agree to bear all fees and charges
incurred in connection with such
reextension.
13. Tm ngng v phong ta (cc) Ti khon
13. Suspension and blockade of Account(s)

ca mnh c th ngng hot ng (cc) Ti
khon vo bt k thi im no v bt k l
do no, bao gm nhng khng gii hn
vi
c: (i) nh cng, mt i
n, my tnh h
hng hoc hnh ng ph hoi hoc bt k

suspend my operation of the Account(s) at
any time for any reason whatsoever,
including without limitation: (i) industrial
actions,
power
failure,
computer
breakdown or sabotage or any other event
48
s ki
n no ngoi kh nng kim sot hp l
ca ngn hng, (ii) hot ng ca (cc) Ti
khon vi phm quy nh ni b ca ngn
hng, (iii) hot ng ca Ti khon dn ti
vi
c vi phm bt k quy nh ni b, hay lut
l
ca ngn hng/Citibank, hoc vi phm bt
k quy nh no ca Lut hoc Quy inh
php lut hi
n hnh ca bt k lnh th ti
phn no ni Citibank ng tr s hoc dn
ti vi
c ngn hng/Citibank vi phm cc quy
nh v FATCA, (iv) khi c tranh chp lin
quan ti (cc) Ti khon, tr tranh chp gia
cc ng ch ti khon, hoc (v) trng hp
c bt k Lut hoc Quy nh php lut no
c p dng trong thi gian ti s dng cc
Sn phm v Dch v, hoc c quan h
ngn
hng vi ngn hng, m lm hn ch kh
nng ngn hng/Citibank cung cp cc Sn
phm v/hoc Dch v cho ti, hoc (vi) khi
vi
c cung cp Sn phm v/hoc Dch v l
hoc s l phi php v vi phm cc l
nh cm
vn hoc trng pht hoc Lut hoc Quy
nh php lut, do hi
u l c ca bt k Lut
hoc Quy nh php lut no c p dng
i vi ngn hng/Citibank ti thi im
iu khon v iu ki
n ny ban hnh hoc
ti bt k thi im no sau .
beyond your reasonable control occur, (ii)

the operation of the Account(s) infringes
your internal policies, (iii) the operation of
the Account(s) triggers violation of any of
your/Citibanks
internal
policy
or
regulation, or violate any applicable Law or
Regulation of any jurisdiction where
Citibank is situated or would have put
you/Citibank in breach of FATCA
requirements, (iv) there is any disputes,
except for dispute(s) between Joint
Account(s) holders, in connection with the
Account(s), or (v) in the event of any Law or
Regulation becoming applicable during my
use of Products and Services or banking
relationship with you which will restrict
Citibanks and your ability to provide
Products and/or Services to me or (vi) if by
virtue of any Law or Regulation which is
applicable to you and Citibank at the
inception of these Terms and Conditions or
becomes applicable at any time thereafter,
providing Products and/or Services is or
would be unlawful because it breaches an
embargo or sanction or Law or Regulation.
49
13.2. Ngn hng c th phong ta (cc) Ti

khon, mt phn hay ton b, khi xy ra cc
s ki
n sau y:
13.2 You may block the Account(s), partly or

totally, upon occurrence of following
events:
(a) C quyt nh hoc yu cu bng vn

bn ca c quan c thm quyn theo quy
nh hi
n hnh.
(a) Competent authorities issue written

decision or request in accordance with the
law;
(b) Ngn hng tm thy sai st hoc li lin

quan n vi
c chuyn tin.
(b) You find mistakes or errors

connection with the money transfer;
(c) Ngn hng pht hi

n gian ln hoc hnh
vi vi phm cc hot ng thanh ton lin
quan n (cc) Ti khon, hoc
(c) You detect signs of fraud or violations in

connection with payment activities relating
to the Account(s); or
(d) Khi c tranh chp gia cc ng ch ti

khon.
(d) There is dispute(s) between Joint

Account(s) holders.
(e) Nhng trng hp khc c Lut hoc

Quy nh php lut hi
n hnh cho php.
(e) Other circumstances as permitted by

applicable Law or Regulation.
(f) Ngn hng cn phong ta (cc) Ti khon

tun th vi Lut hoc Quy nh php
lut, c bi
t l cc quy nh ca FATCA.
(f) You need to block in order to comply

with Law or Regulation, especially FATCA
requirements.
13.3. Ti ng vi vi

c Citibank phong
ta/ngng th c hi
n bt k khon thanh
ton, giao dch lin quan n (cc) Ti khon
ca ti v /hoc phong ta bt k ti khon
no ca ti nu
13.3 I consent to the blocking/stopping of

any payment or transaction with respect to
my Account(s) and/or to the blocking of any
of my Account(s) by Citibank if
in
50
(a) cc khon thanh ton hoc giao dch

s dn ti vi
c ngn hng hoc Citibank
(hoc bt k Nhm Cng ty ca ngn hng
hoc Bn th ba Cung cp Dch v ca ngn
hng/Nhm Cng ty) vi phm Lut hoc
Quy nh php lut, c bi
t l cc quy nh
v FATCA. Nu c th, ngn hng s thng
bo cho ti v vi
c ngng, tm ngng thanh
ton hoc ngng, tm ngng th c hi
n giao
dch . Ti cng c th lin lc vi ngn
hng tm hiu l do ti sao ngn hng
ngng hoc tm ngng thanh ton hoc
th c hi
n giao dch ;
(a) such payment or transaction would

result in you or Citibank (or any of your
Group Companies or your or their Third
Party Service Providers) being in breach of
requirements. Where possible, you will tell
me that you are stopping or suspending
such payment or transaction. I can also
contact you to find out why you have
stopped or suspended such payment or
transaction;
(b) php lut Vi

t Nam khng cho php
ngn hng (i) tit l thng tin ti khon cho
C quan c thm quyn hoc (ii) thu hi
hoc khu tr bt k Khon thu no c
yu cu thu hi hoc khu tr t bt k
khon thanh ton gi cho ti hoc t mt ti
khon theo quy nh v FATCA (iii) chuyn
giao hoc thanh ton bt k Khon thu no
nh vy cho C quan c thm quyn lin
quan hoc (iv) ng (cc) Ti khon ca ti
cho n khi :
(b) Vietnamese law prohibits you from (i)

disclosing account information to any
Authority or (ii) withholding or deducting
any Collected Amount which is required to
be withheld or deducted from any payment
to me or from an Account to comply with
FATCA requirements or (iii) transferring or
paying any of such Collected Amount to the
relevant Authority or (iv) closing my
Account(s) until:
bt k hoc tt c cc quy nh cm trn

mt hi
u l c v ngn hng c php lut
Vi
t Nam cho php th c hi
n cc ngha v
any or all of such prohibitions becomes

ineffective and you become authorized by
Vietnamese law to carry out your duties of
51
(a) cc khon thanh ton hoc giao dch

s dn ti vic ngn hng hoc Citibank
(hoc bt k Nhm Cng ty ca ngn hng
hoc Bn th ba Cung cp Dch v ca ngn
hng/Nhm Cng ty) vi phm Lut hoc
Quy nh php lut, c bit l cc quy nh
v FATCA. Nu c th, ngn hng s thng
bo cho ti v vic ng ng, tm ng ng thanh
ton hoc ng ng, tm ng ng thc hin giao
dch . Ti cng c th lin lc vi ngn
hng tm hiu l do ti sao ngn hng
ng ng hoc tm ng ng thanh ton hoc
thc hin giao dch ;
(a) such payment or transaction would

result in you or Citibank (or any of your
Group Companies or your or their Third
Party Service Providers) being in breach of
requirements. Where possible, you will tell
me that you are stopping or suspending
such payment or transaction. I can also
contact you to find out why you have
stopped or suspended such payment or
transaction;
(b) php lut Vit Nam khng cho php

ngn hng (i) tit l
thng tin ti khon cho
C quan c thm quyn hoc (ii) thu hi
hoc khu tr bt k Khon thu no c
yu cu thu hi hoc khu tr t bt k
khon thanh ton gi cho ti hoc t m
t ti
khon theo quy nh v FATCA (iii) chuyn
giao hoc thanh ton bt k Khon thu no
nh vy cho C quan c thm quyn lin
quan hoc (iv) ng (cc) Ti khon ca ti
cho n khi :
(b) Vietnamese law prohibits you from (i)

disclosing account information to any
Authority or (ii) withholding or deducting
be withheld or deducted from any payment
to me or from an Account to comply with
FATCA requirements or (iii) transferring or
paying any of such Collected Amount to the
relevant Authority or (iv) closing my
Account(s) until:
bt k hoc tt c cc quy nh cm trn

mt hiu lc v ngn hng c php lut
Vit Nam cho php thc hin cc ngha v
any or all of such prohibitions becomes

ineffective and you become authorized by
Vietnamese law to carry out your duties of
52
ca ngn hng v tit l

thng tin, thu hi,
ng hoc chuyn giao bt k Khon thu
nh quy nh ti iu khon ny hoc iu
khon khc theo Tha thun ny, hoc
disclosure, of information, withholding,

closing or transferring any Collected
Amount as set forth in this paragraph or
elsewhere under this Agreement, or
nu mt hoc tt c cc s kin theo iu

khon 13.3 (b) xy ra, ti ng khng hy
ngang rng ngn hng c quyn v c th
chuyn nhng hoc chuyn giao bt k
quyn li, t cch, li nhun, li ch, nhim
v, ngha v , trch nhim ca ngn hng
theo Tha thun ny c lin quan ti (cc)
Ti khon hoc chuyn giao (cc) Ti khon
cho Citibank (bao gm c cc chi nhnh,
cng ty con hoc cng ty lin kt ) hoc bt
k Nhm cng ty hoc cng ty lin kt trong
thm quyn cho php tun th vi cc quy
nh v FATCA vi iu kin l ngn hng
phi thng bo v vic chuyn nhng hoc
chuyn giao .
if any or all of events under section 13.3 (b)

occurs, I irrevocably agree that you are
entitled to and may assign or transfer any
of your rights, title, interests, benefits,
duties, obligations, liabilities under this
Agreement in connection with the
Account(s) or transfer the Account(s) to
Citibank
(including
its
branches,
subsidiaries or affiliates) or any of Group
Companies or affiliate in a jurisdiction that
permits FATCA compliance provided that
you shall provide notice of any such
assignment or transfer.
14. ng (cc) Ti khon
14. Closing of Account(s)
14.1. Ngn hng c th, vo bt k thi im

no, trong phm vi c Lut hoc Quy nh
php lut cho php, t chi nhn bt k
khon tin gi no, gii hn s tin c th
c gi, hoc tr li ton b
hay bt k
phn no ca (cc) khon tin gi sau khi
14.1 You may at any time, to the extent

permitted by Law or Regulation, without
notice to me and without liability or
disclosing or assigning any reasons to me,
refuse to accept any deposit(s), limit the
amount that may be deposited, or return all
53
khu tr cc Khon Thu, li sut, chi ph, l

ph hoc cc khon tin theo yu cu ca
Lut hoc Quy nh php lut. Ngn hng c
th chm dt bt k Ti khon no ca ti
theo cc trng hp c quy nh ti iu
14.6 di y khi thng bo cho ti trc
mi bn (14) ngy, hoc chm dt bt k
(cc) Ti khon no ca ti trong nhng
trng hp khc theo quy nh ca Lut
hoc Quy nh php lut hin hnh, c bit
l cc quy nh v FATCA.
or any part of the deposit(s) after deduction

of any Collected Amount, interest, charges
and fees due or funds required to be made
by Law or Regulation. You may terminate
any of my Account(s) in the circumstances
as prescribed in Clause 14.6 below upon
fourteen (14) days notice to me, or
terminate any of my Account(s) in other
circumstances as provided under applicable
requirements.
14.2. Nu ti la chn chm dt bt k Ti

khon no ca ti c m ti ngn hng,
ti phi gi cho ngn hng m
t thng bo
chm dt c hnh thc c ngn hng chp
nhn t nht (07) by ngy trc ngy d
nh chm dt hoc m
t thi hn khc c
ngn hng xc nh vo t ng thi im.
14.2 If I choose to terminate any of my

Account(s) held with you, I am required to
give you a notice of termination in a form
acceptable to you at least (07) seven days
prior to proposed closing date or such other
period of notice which you may specify to
me from time to time.
14.3. Khi chm dt (cc) Ti khon ca ti:
14.3 On the termination of my Account(s):
(a) ngn hng c th gii tr ton b

ngha
v ca ngn hng i vi (cc) Ti khon
ca ti bng cch gi cho ti m
t hi phiu
hoc sc bng (cc) loi tin ca (cc) Ti
khon m khng c quyn truy i i vi
ngn hng vi t cch l ngi k pht, phi
tr theo lnh ca ti vi s tin bng s d
(a) you may discharge your entire liability

with respect to my Account(s) by mailing to
me a draft or check in the currency(ies) of
the Account(s) without recourse to you as
drawer, payable to my order in the amount
of the then credit balance in the Account(s)
together with such other documents, if any,
54
c vo thi im trong (cc) Ti khon

cng vi cc chng t cn thit khc, nu
c, chuyn cho ti cc yu cu thanh
ton m ngn hng c th c i vi cc s
tin ; v
as may be necessary to transfer to me such

claims as you may have on such funds; and
(b) ngn hng c th chuyn ton b

cc
Chng khon cho ti hoc ngi khc do ti
ch nh, bng chi ph v ph tn ca ti.
(b) you may, at my own cost and expense,

transfer all my Securities to me or such
person as I may direct.
14.4. Nu ngn hng thc hin m

t giao
dch k hn hoc bt k giao dch no khc
vn cn hiu lc sau ngy chm dt, ngn
hng c th kt thc hoc hon tt giao dch
v gi li tin cho mc ch ny. Bt
k bin php bo m hoc ngha v b tr
no trong m
t tha thun s khng c
gii tr cho n khi ton b
ngha v ca ti
c gii tr .
14.4 If you have effected a forward or any

other transaction which extends beyond the
date of termination, you may either close
out or complete such transaction and retain
sufficient funds for this purpose. Any
security interest or setoff contained in an
agreement shall not be discharged until all
my liabilities have been discharged.
14.5. Khi chm dt bt k Ti khon no ca

ti, ti s lp tc tr li cho ngn hng ton
b
cc sc v/hoc cc cng c khc (nu
c) cha s dng c pht hnh cho ti,
nu khng, ti phi bi hon cho ngn hng
bt k chi ph hoc ph tn no pht sinh t
hoc lin quan n vic khng hon tr .
14.5 On the termination of any of my

Account(s), I shall forthwith return to you
all unused checks and/or other instruments
(as appropriate) issued to me, failing which
I shall indemnify you for any costs or
expenses arising or in connection thereto.
14.6. Khi xy ra bt k s kin no sau y,

ngn hng c th (m khng cn phi c
14.6 Upon the occurrence of any of the

following events, you may (without further
55
thng bo khc) chm dt (cc) Ti khon

lin quan v/hoc thc hin ton b
hoc
bt k giao dch u t no ca ti c k
trc tip hoc gin tip vi hoc thng qua
ngn hng hon tr khon n ca ti cho
ngn hng bao gm ton b
tin li, chi ph
v ph tn lin quan n vic thu hi khon
n :
notice) terminate the relevant Account(s)

and/or realise all or any of my investment
transactions
concluded
directly
or
indirectly with or through you to repay my
indebtedness to you including all interest,
costs and expenses in connection with the
recovery of such indebtedness:
(a) vic ti khng tun th bt k quy nh

no ca bn iu khon v iu kin ny;
(a) my failure to comply with any provision

of these Terms and Conditions;
(b) c c s cho vic n

p n xin ph sn i
vi ti;
(b) any grounds exist for the presentation

of a bankruptcy petition against me;
(c) ti cht hoc b mt nng lc hnh vi dn

s hoc b c quan c thm quyn tuyn b
mt tch;
(c) my death or losing of civil capacity or

being declared missing by a competent
authority; or
(d) (cc) Ti khon khng hot

ng trong
su m i (60) ngy lin tc (hoc m
t thi
hn khc m ngn hng c th quy nh v
thng bo cho ti ty t ng thi im) hoc
mi Ti khon c lin quan c s d thp
h n s d ti thiu m ngn hng quy nh
vo t ng thi im; hoc
(d) the Account(s) remain inactive or

dormant for sixty (60) consecutive days (or
such other period as you may prescribe and
notify to me from time to time) or each of
the relevant Account(s) has a balance
smaller than the minimum amount fixed by
you from time to time; or
(e) vic thc hin bt k ngha v no ca ti

hoc ca ngn hng theo bn iu khon v
iu kin ny tr nn bt hp php hoc
(e) the performance of any obligation of

mine or yours under these Terms and
Conditions becomes illegal or impossible.
56
khng th thc hin; hoc

(f) Ti hoc bt k ng ch ti khon no
ca ti vi phm Lut hoc Quy nh php
lut hin hnh lin quan n hot
ng ca
(cc) Ti khon v cc hot
ng thanh ton
lin quan ti (cc) Ti khon; hoc
(f) I or any of my Joint Account(s) holders

breaches applicable Law or Regulation in
connection with the operation of the
Account(s) and payment activities relating
to Account(s); or
(g) Ngn hng cn ng Ti khon ca ti

hoc bt k Ti khon ng ch s hu no
ca ti tun theo Lut hoc Quy nh
php lut; c bit l cc quy nh v
FATCA; hoc
(g) You need to close my Account or any of

my Joint Account in order to comply with
requirement; or
(h) Cc trng hp khc c quy nh

trong bn iu khon v iu kin ny.
(h) Other circumstances as set forth

elsewhere in these Terms and Conditions.
Ti theo y cng khai yu cu ngn hng

ng (cc) Ti khon lin quan nu c m
t
trong nhng s kin trn xy ra. Ti hon
ton nhn thc c s rng bu
c php l
ca yu cu trc ny v ti hiu rng ngn
hng c quyn ng (cc) Ti khon lin
quan nu c m
t trong nhng s kin trn
xy ra m khng cn thm bt k yu cu
no na ca ti.
I hereby expressly request you to terminate

the relevant Account(s) should one of the
foregoing event occurs. I am fully aware of
the legal binding effect of this advanced
request and I understand that you are
allowed to terminate the relevant
Account(s) upon the occurrence of any of
the foregoing events without my further
request whatsoever.
15. Chuyn nhng/Chuyn giao
15. Assignment/Transfer
15.1. Ti ng rng s d c trong (cc) Ti

khon v bt k quyn no ca ti i vi
15. I agree that the balance standing to the

credit of the Account(s) and any of my
57
(cc) Ti khon khng th b chuyn

nhng, chuyn giao, th chp hoc cm c
di bt k hnh thc no hoc bng cch
khc ph thu
c vo bt k bin php bo
m no, tr khi c chp thun trc bng
vn bn ca ngn hng v phi tun th cc
iu kin do ngn hng quy nh.
rights in relation to the Account(s) cannot

in any way be assigned, transferred,
mortgaged, pledged or otherwise subject to
any security interests, except with your
prior written consent and subject to such
conditions as you may prescribe.
15.2. Bng vn bn ny ti ng khng hy

ngang vi bt k vic thay th no i vi
Tha thun c lp gia chng ta theo bn
iu khon v iu kin ny v theo bt k
vn kin v bt k tha thun, vn bn, bo
m v bo lnh no khc lin quan n
Tha thun v (cc) Ti khon hoc vic
bo m cc ngha v ca ti theo Tha
thun , v ng khng hy ngang rng
ngn hng c quyn v c th chuyn
nhng hoc chuyn giao hon ton cho
m
t ngi nhn chuyn nhng ton b
hoc m
t phn cc quyn, quyn s hu, li
ch, quyn li, ngha v v khon n ca
ngn hng theo bn iu khon v iu kin
ny v/hoc bt k (cc) vn kin v/hoc
bt k tha thun, vn bn, bo m
v/hoc bo lnh no khc lin quan n
Tha thun v/hoc (cc) Ti khon
v/hoc vic bo m cc ngha v ca ti
15.2 I hereby irrevocably agree to any

novation of the Agreement made between
us under these Terms and Conditions and
under any instrument(s) and any other
agreement, document, assurance and
guarantee in connection therewith and with
the Account(s) or securing my obligations
thereunder, and irrevocably agree that you
are entitled to and may assign or transfer
absolutely to a transferee all or some of
your rights, title, interests, benefits,
obligations and liabilities under these
Terms and Conditions and/or under any
instrument(s) and/or any other agreement,
document, assurance and/or guarantee in
connection therewith and/or with the
Account(s) and/or securing my obligations
thereunder. I further irrevocably agree that
any such novation, assignment or transfer
may be effected by you delivering to me a
58
theo Tha thun . Ti cng ng khng

hy ngang rng bt k vic thay th, chuyn
nhng hoc chuyn giao no nh th cng
c th c ngn hng thc hin bng cch
gi thng bo cho ti v vic , theo :
notice to that effect whereupon:
(a) cc quyn, quyn s hu, li ch v quyn

li c chuyn nhng hoc chuyn giao
ca ngn hng s c chuyn nhng cho
v c tip nhn bi ngi nhn chuyn
nhng;
(a) your assigned or transferred rights, title,

interests and benefits thereunder shall be
transferred to and assumed by the
transferee,
(b) ngn hng sau c gii tr y

khi cc ngha v v khon n c chuyn
nhng hoc chuyn giao theo vic chuyn
nhng hoc chuyn giao ;
(b) you shall thereafter be fully discharged

and released from your assigned or
transferred obligations and liabilities
thereunder,
(c) ngn hng phi gi li ton b

cc quyn,
quyn s hu, li ch, quyn li, ngha v v
n khng c chuyn nhng hoc chuyn
giao nh th;
(c) you shall retain all rights, title, interests,

benefits, obligations and liabilities not so
assigned or transferred,
(d) ngi nhn chuyn nhng sau s b

rng bu
c bi cc quyn, quyn s hu, li
ch, quyn li, ngha v v n t ng t theo
vic chuyn nhng v chuyn giao m
ngn hng chuyn nhng hoc chuyn
giao; v
(d) the transferee shall thereafter be bound

by identical rights, title, interests, benefits,
obligations and liabilities thereunder which
you have assigned or transferred, and
(e) bt k xc nhn (bao gm nhng khng
(e) any acknowledgement (including but not

59
hn ch cc tuyn b v xc nhn v vic

cng b ri ro), thng tin (bao gm nhng
khng hn ch thng tin c cung cp lin
quan n c trng ri ro), ch th, lnh,
hng dn, y quyn hoc cho php no
c ti a ra cho ngn hng lin quan n
(cc) Ti khon khc hoc vic bo m cc
ngha v ca ti theo (cc) Ti khon
cng c th c ngi nhn chuyn
nhng hoc ngi nhn chuyn giao da
vo v hnh
ng theo nh th c ti
a ra cho ngi nhn chuyn nhng hoc
ngi nhn chuyn giao v, tr khi v cho
n khi b thu hi hoc hy b, s c p
dng v c hiu lc lin quan n (cc) Ti
khon . Bng vn bn ny ti cng cam
kt khng hy ngang rng s thc hin v
k bt k ti liu no (nu c) cn thit
to hiu lc cho vic chuyn nhng v
chuyn giao nu trn.
limited to risk disclosure statements and

acknowledgements), information (including
but not limited to information provided in
respect of risk profiling), instruction, order,
direction, mandate or authority given by me
to you in relation to other Account(s) or
securing my obligations there under may be
relied and acted upon by the assignee or
transferee as if given by me to the assignee
or transferee and shall, unless and until
revoked or cancelled, apply and have effect
in relation thereto. I also hereby irrevocably
undertake to execute and sign any
document (if any) which may be required to
give effect to the foregoing.
15.3. Bng vn bn ny ti ng khng hy

ngang, tr khi c tha thun khc bng vn
bn gia ti v ngn hng, rng Tha thun
c lp gia chng ta theo nhng iu
khon v iu kin ny v theo bt k vn
kin v bt k tha thun, vn bn, bo m
v bo lnh no khc lin quan n Tha
15.3 I hereby irrevocably agree, unless

otherwise agreed in writing by you and me,
that the Agreement made between us
under these Terms and Conditions and
under any instrument(s) and any other
agreement, document, assurance and
guarantee in connection therewith and with
60
thun v (cc) Ti khon hoc vic bo

m cc ngha v ca ti theo Tha thun
, ngay khi c thng bo t pha ngn
hng, s c hiu lc rng bu
c bt k bn k
nhim hoc bn nhn chuyn nhng no
ca ngn hng v tip tc rng bu
c ti vi
cng cc iu khon v iu kin nh y
cho d xy ra tnh hung no sau y:
the Account(s) or securing my obligations

thereunder shall, upon notification by you
to me, be binding on any successors or
assignees of you and shall continue to be
binding on me with the same terms and
conditions herein notwithstanding the
following circumstances:
(a) bt k vic thay i no v tn gi hay

cu trc ca ngn hng; hoc
(a) any change in name or constitution of

you; or
(b) bt k vic chuyn i thnh, sp nhp

hay hp nht ca ngn hng vo hoc vi
m
t t chc khc. Trong trng hp xy ra
vic chuyn i, sp nhp hay hp nht ,
t chc s thay th cho ngn hng lin
quan n cc iu khon v iu kin ny
v tt c (cc) Ti khon v/hoc Dch v
m ngn hng cung cp cho ti, v cc iu
kin v iu khon ny s tip tc c hiu
lc y gia ti v t chc . trnh
nhm ln, cc s kin nu ti on (b) ny s
bao gm c trng hp m
t t chc mi (gi
l T chc Mi) c hnh thnh thay
th v tip nhn cc quyn v ngha v ca
ngn hng, v khi xy ra vic , sau khi
ngn hng thng bo cho ti v s hnh
thnh ca T chc Mi v dn chiu n quy
(b) any conversion, consolidation or

amalgamation of you into or with any other
entity. In the event of such conversion,
consolidation or amalgamation, such entity
shall be substituted for you in relation to
these Terms and Conditions and all
Accounts and/or Service(s) made available
by you to me, and these Terms and
Conditions shall continue in full force and
effect as between me and such entity. For
the avoidance of doubt, the events
mentioned in this paragraph (b) shall
include the event that an entity (the New
Entity) is formed to replace and assume
your rights and liabilities, in which
circumstance, upon notification by you of
the establishment of that New Entity and
61
nh ny, Cc iu khon v iu kin ny

s c coi l p dng cho T chc Mi
vi cng cc quy nh nh ti y.
references to this clause, these Terms and

Conditions shall be deemed to have been
applicable to that New Entity with the same
terms and conditions herein.
15.4. Bng vn bn ny ti ng khng

hy ngang rng ngn hng c th sp xp
bt c lc no cho bt k ngi no khc
thc hin ngha v ca ngn hng theo Tha
thun ny hoc, nu ngn hng xt thy hp
l v cn thit tun th bt k Lut hoc
Quy nh php lut no, c bit l quy nh
v FATCA, ngn hng c th thay th ngha
v hoc chuyn nhng, chuyn giao quyn
hoc ngha v ca mnh theo Tha thun
ny cho Citibank (bao gm c cc chi nhnh,
cng ty con hoc cng ty lin kt), hoc cho
bt k Nhm cng ty ca ngn hng. Ti
cng ng khng hy ngang rng ngn
hng c th thay th ngha v, chuyn
nhng hoc chuyn giao nh vy v ngn
hng s thng bo v bt k vic chuyn
nhng hoc chuyn giao .
15.4 I hereby irrevocably agree that you

may also arrange at any time for any other
person to carry out your duties under this
Agreement or, if you reasonably consider
necessary for you to comply with any Law
or
Regulation,
especially
FATCA
requirement, you may make a novation or
an assignment or transfer any of your
rights or duties under this Agreement to
Citibank (including its branches, subsidiary
or affiliate), or to any of your Group
Companies. I further irrevocably agree that
any such novation, assignment or transfer
may be effected by you and you shall
provide notice of any such assignment or
transfer.
16. ng trc Khng thi hn hoc C thi

hn hoc Hn mc Thu chi
16. Call or Term Advances or Overdraft

Facility

ca mnh c th cung cp theo yu cu ca
16.1 You may at your discretion extend to

me at my request call or term advances:
62
ti cc khon ng trc khng thi hn hoc

c thi hn:
(a) theo chnh sch ca ngn hng v theo
cc iu khon v iu kin do ngn hng
quy nh vo t ng thi im; v
(a) in accordance with your policy and on

such terms and conditions as you may
prescribe from time to time; and
(b) trong hn mc v bng loi tin do ngn

hng vi ton quyn ca mnh c th quyt
nh; v
(b) up to such limit and in such currency as

you may in your sole discretion determine;
and
(c) vi iu kin l vo thi im :
(c) provided that at that time:
(i) ch n ca ti cha thc hin bt k hnh

ng no thu hi s tin hoc ti sn
khc ca ti ang c ngn hng gi hoc
ca bt k t chc ti chnh no khc;
(i) no action has been taken by a creditor of

mine to recover money or other property
belonging to me which is in your possession
or that of any other financial institution;
(ii) ti khng vi phm bt k tha thun no

vi ngn hng hoc bt k t chc ti chnh
no khc; v
(ii) I am not in default under any agreement

with you or any other financial institution;
and
(iii) khng c th tc v mt kh nng thanh

ton hay ph sn no c tin hnh bi ti
hoc i vi ti ti bt k quc gia no.
(iii) no proceedings under any insolvency or

bankruptcy law in any jurisdiction have
been started by or against me
16.2. Ti ng thanh ton cho ngn hng

theo yu cu tin li trn cc khon ng
trc khng thi hn hoc c thi hn
v/hoc cc hn mc thu chi m ti s
dng c tnh theo li sut do ngn hng
16.2 I agree to pay you on demand interest

on the call or term advances and/or
overdraft facilities utilised by me calculated
at such rates as you may prescribe from
time to time, and such interest shall be
63
quy nh vo t ng thi im, v tin li s

c tnh ton hng ngy v phi thanh
ton vo cui mi thng hoc thi im
khc do ngn hng quyt nh vo t ng thi
im. Tin li c tnh s c th hin
bng vic tng s tin t ng ng cn n
theo cc khon ng trc khng thi hn
hoc c thi hn v/hoc s tin thu chi
m ti s dng.
computed daily and charged at the end of

each month or such other time as may be
determined by you from time to time.
Interest charged shall be reflected by an
increase in the respective amounts owing
under the call or term advances and/or
overdraft amount, utilised by me.
16.3. Ti ng thanh ton theo yu cu

ton b
s tin n theo cc khon ng trc
khng thi hn hoc c thi hn v/hoc
ton b
cc s tin thu chi m ti s dng,
k c ton b
tin li v ph ngn hng bt
k loi no v bt k s tin no khc m ti
c th c ngha v phi tr cho ngn hng v
bt k l do no cho d m
t mnh hoc
chung vi ngi khc.
16.3 I agree to pay on demand all amounts

owing under the call or term advances
and/or all overdraft amounts utilised by me,
including all interest and bank charges
whatsoever and any other amounts for
which I may become liable to pay to you for
any reason whether alone or jointly.
16.4. Ti cam kt bo m rng (cc) Ti

khon s khng b rt qu mc, cho d l
tm thi, tr trng hp ngn hng bng
ton quyn quyt nh ca mnh cho php
khc i hoc c tha thun trc bng vn
bn, v tha thun phi tun th bn
iu khon v iu kin ny v/hoc cc
iu khon v iu kin khc do ngn hng
quy nh.
16.4 I undertake to ensure that the

Account(s) shall not be overdrawn, even
temporarily, save where you in your
absolute discretion otherwise allow or by
prior written arrangement, and such
arrangement shall be subject to these
Terms and Conditions and/or such other
terms and conditions as you shall
determine.
64
17. Thanh ton cho Citibank/ngn hng
17. Payments to Citibank/you
17.1. Ti s thanh ton cho ngn hng theo

yu cu u tin ca ngn hng ton b
cc
khon tin v cc Khon ph m ti c th c
ngha v phi tr cng vi tin li pht sinh
trn cc khon tin k t ngy cc khon
tin n hn cho n ngy thanh ton
bng loi tin m cc khon tin n hn
phi tr v vi t gi c ngn hng xc
nh tu t ng thi im.
17.1 I shall pay to you on your first demand

all monies and Charges for which I may
become liable together with interest on
such monies from the date on which such
monies become due to the date of payment
in the same currency in which they are due
in same day funds and at such rate which
you shall determine from time to time.
17.2. Tt c cc khon tin v cc Khon ph

s c ti tr y m khng c bt k
khon b tr hoc yu cu thanh ton
ngc li hoc bt k hn ch hoc iu kin
no, v khng b khu tr cc khon thu
hin ti hoc t ng lai (bao gm nhng
khng gii hn thu hoc l ph chng t )
hoc bt k khon thu mn bi hoc thu
ti sn, thu hng ha, l ph, hoc khu tr
thu, v tt c cc ngha v lin quan n
cc khon tin . Nu ti c ngha v khu
tr hoc gi li theo Lut hoc Quy nh
php lut bt k khon tin no t bt k
khon thanh ton no cho ngn hng, th ti
s tng s tin thanh ton ln s tin
ngn hng thc nhn s bng vi s tin n
hn phi tr cho ngn hng.
17.2 All such monies and Charges shall be

payable by me in full without any setoff or
counterclaim or any restriction or
condition, and free and clear of and without
deduction for present or future taxes
(including without limitation stamp duty or
documentary taxes) or any other excise or
property taxes, levies, charges, or
withholdings, and all liabilities with respect
thereto. If I am obliged by Law or
Regulation to deduct or withhold any sum
from any payment to you, I shall increase
the amount of the payment so that the net
amount received by you shall equal the
amount due to you.
65
17.3. C th, tt c cc khon tin v cc

Khon ph m ti phi tr s khng bao gm
bt k khon thu hoc thu gi tr gia tng
no khc (cho d phi tr Vit Nam hay
quc gia khc hoc tr theo yu cu ca
Lut hoc Quy nh php lut) m ti phi
tr cng vi bt k khon tin phi tr no
khc vi thu sut c p dng vo thi
im n hn thanh ton hoc thi im
khc theo quy nh ca Lut hoc Quy nh
php lut lin quan.
17.3 In particular, all such monies and

Charges payable by me are exclusive of any
tax or other value added tax (whether
imposed in Vietnam or any other
jurisdiction or where required by Law or
Regulation) which shall where applicable be
paid by me in addition to any sums
otherwise payable, at the rate applicable on
the due time for payment or such other
time as is stipulated under the relevant Law
or Regulation.
17.4. Nu ngn hng phi khu tr hoc b

thu li theo quy nh ca Lut hoc Quy
nh php lut bt k khon tin no t bt
k khon thanh ton no ca ngn hng cho
ti, ti u quyn cho ngn hng thc hin
vic khu tr v thanh ton s tin cn
li cho ti hoc chuyn s tin vo bt k
Ti khon no ca ti ti ngn hng hoc ti
khon khc theo ch th ca ti (tr khi vo
thi im ti cn n ngn hng bt k
khon tin no, trong trng hp ngn
hng c quyn khu tr s tin ti n
ngn hng).
17.4 If you are obliged by Law or Regulation

to deduct or withhold any sum from any
payment payable by you to me, I authorise
you to effect such withholding and to pay
the net sum over to me or to place such sum
in any of my Account(s) with you or such
other account as I shall instruct (unless at
such time there shall be any monies owing
by me to you, in which case you shall be
entitled to deduct the amount of monies
owing).
17.5. Tr khi php lut Vit Nam c yu cu

khc, ngn hng c quyn chuyn i theo
t gi m ngn hng cho l ph hp bt k
17.5 Except otherwise required by

Vietnamese law, you may convert at such
rate you deem fit any payment received for
66
khon thanh ton no nhn c i vi bt

k Ti khon no (bng loi tin khng phi
l loi tin ca Ti khon ) sang loi tin
ca Ti khon , v ti s chu cc chi ph
v ph tn cho vic chuyn i .
any of my Account(s) (in a currency

different from that of such Account) into
the currency of that Account, and I shall
bear the cost and fess of such conversion.
18. Bo m Hon tr
18. Security for Repayment
18.1. Ngn hng c th ng :
18.1 You may agree to:
(a) theo yu cu ca ti, cp v tip tc cp

cc Hn mc Tn dng cho ti hoc ngi
hoc nhng ngi khc (Bn vay);
v/hoc
(a) at my request, grant and continue to

grant Facilities to me or such person or
persons (the Borrower); and/or
(b) chp nhn hoc gnh chu khon n (cho

d l n thc t hay n tim tng, cho d l
n chnh hay n b sung, v cho d l n
ring r hay n lin i) cho Bn vay (cc
Hn mc Tn dng v khon n cng vi
bt k v ton b
cc ngha v v/hoc cc
khon n m ti cn n ngn hng vo t ng
thi im, cho d l n tn ti hay n
tim tng, n gc hay tin bo m, lin i
hay ring r, cho d theo bn iu khon v
iu kin ny hay vn bn khc, c gi
chung l cc Ngha v, thut ng ny bao
gm c tin li, ph v l ph ngn hng v
tt c cc khon tin phi tr pht sinh t
cc Ngha v ni trn). Ti s a ra v
(b) accept or incur liability (whether actual

or contingent, primary or collateral, several
or joint) for the Borrower (such Facilities
and liability together with any and all
obligations and/or liabilities owed by me to
you from time to time, whether certain or
contingent, whether as principal or as
surety, joint or several, whether under
these Terms and Conditions or otherwise,
collectively the Obligations, which
expression shall include interest, bank
commission, charges and all sums payable
arising out of the said Obligations). I shall
provide and furnish to you such security as
you may from time to time require as
67
cung cp cho ngn hng bin php bo m

m ngn hng c th yu cu vo t ng thi
im lm bo m lin tc cho vic thanh
ton v hon thnh cc Ngha v.
continuing security for the payment and

discharge of the Obligations.
18.2. Ti bo m v cam oan rng:
18.2 I warrant and represent that:
(a) cc ti liu chng minh cc Hn mc Tn

dng u hp l v c kh nng thi hnh v
trong trng hp c bt k vi phm no i
vi bo m v cam oan ny, cc quyn
ca ngn hng theo vn bn ny vn khng
b nh hng v c y gi tr v hiu lc;
v
(a) the documents evidencing the Facilities

are valid and enforceable and in the event
of any breach of this warranty and
representation, your rights hereunder shall
remain unaffected and be of full force and
effect; and
(b) ton b
s cho php, chp thun v ng
cn thit ti k kt bt k tha thun
bo m no vi ngn hng v vic thc
hin v tun th cc ngha v ca ti theo
vn bn ny nhn c v c hiu lc v
vn tn ti.
(b) all necessary authorisations, approvals

and consents for my entry with you into any
security arrangement and the performance
and observance of my obligations
hereunder have been obtained and are valid
and subsisting.
18.3. Khi ngn hng chp nhn hoc gnh

chu n cho ti hoc theo yu cu ca ti, ti
ng rng ngn hng s c quyn cm gi
i vi tt c cc ngn qu, khon tin,
chng khon, ti sn v vt c gi tr khc
thu
c s hu ca ti ang c ngn hng
nm gi hoc lu gi hoc cc khon khc
(k c bt k chng khon, ti sn v cc vt
18.3 When you accept or incur liability for or

at my request, I agree that you shall have a
lien on all funds, monies, securities,
property and other valuables belonging to
me which are in your possession or held by
you on deposit or otherwise (including any
securities, property and valuables kept with
you for safe custody).
68
c gi tr khc c ngn hng bo qun).

18.4. Trong trng hp ti khng thanh ton
bt k khon tin no n hn v cn n
ngn hng theo vn bn ny, ngn hng c
th, ngay lp tc v khng cn thng bo
cho ti, s dng bt k khon tin no m
ngn hng gi cho ti thanh ton ton b
hoc m
t phn s tin cn n. Ngoi ra,
ngn hng c th bn ton b
hoc bt k
ti sn c dng lm bin php bo m
cho ngn hng m khng cn thng bo cho
ti theo hnh thc bn u gi hoc bn trc
tip cho ngi mua m khng cn c bt k
th tc t php no, v gi li t s tin bn
ti sn thanh ton cho tng s tin
cn n, k c ton b
chi ph, l ph v ph
tn pht sinh t vic bn ti sn , v ti s
chu trch nhim trc ngn hng v bt k
phn thiu ht no pht sinh v ti s
thanh ton cho ngn hng s tin thiu ht
theo yu cu ca ngn hng.
18.5. bo m cho cc Ngha v, bao gm
nhng khng gii hn n bt k v tt c
cc ngha v v/hoc cc khon n theo bt
k Th Tn dng no, ti bng vn bn ny
th chp cho ngn hng ton b
quyn,
quyn s hu, quyn li v li ch theo (i) bt
18.4 In the event of any failure by me to

make payment of any amount due and
owing to you hereunder, you may
immediately and without notice to me,
apply any funds held by you for me towards
satisfaction or part payment of the amount
owed. Furthermore, you may without notice
to me, sell all or any of my assets that are
subject to any security interests created in
favor of you, at public or private sale
without any judicial proceedings, and retain
from the proceeds derived therefrom the
total amount remaining unpaid, including all
costs, charges and expenses incidental to
such sale, and I shall be responsible to you
for any deficiency arising and I will pay on
demand to you the amount of any such
deficiency.
18.5 As security for the Obligations,

including without limitation any and all my
obligations and/or liabilities under any
Credit, I hereby mortgage to you all the
rights, titles and interests in and under (i)
69
k v ton b
chng t vn chuyn, phiu
lu kho, hp ng hoc giy chng nhn bo
him v cc chng t khc lin quan n cc
hi phiu c k pht theo Th Tn dng;
(ii) bt k v ton b
ti sn c vn
chuyn theo hoc lin quan n Th Tn
dng hoc lin quan n bt k hi phiu
no c k pht theo Th Tn dng (cho d
cc chng t , hng ha hoc ti sn c
c giao cho ti hoc theo lnh ca ti khi
xut trnh bin nhn y thc hoc bin nhn
ca ngi nhn gi hay khng); v (iii) tin
thu c t mi v ton b
cc ti sn trn,
cho n thi im ton b
cc ngha v
v/hoc cc khon n ca ti i vi ngn
hng vo bt k thi im no tn ti theo
bn iu khon v iu kin ny, hoc cc
Hn mc Tn dng hoc vn bn khc,
c thanh ton y v c gii tr . Tt
c hoc bt k ti sn v/hoc chng t no
nh th v cc khon tin thu c t ti
sn v/hoc chng t c ngn hng
hoc ngn hng i l ca ngn hng nm
gi, c th c ngn hng gi v nh ot
theo quy nh trong vn bn ny, v cc bn
hiu rng vic lp Qu Thanh ton hoc vic
ngn hng hoc bt k ngn hng i l no
ca ngn hng nhn c vo bt k thi
any and all shipping documents, warehouse

receipts, insurance policies or certificates
and other documents relating to drafts
drawn under the Credit; (ii) any and all
property shipped under or in relation to the
Credit or to any drafts drawn thereunder
(whether or not such documents, goods or
other property be released to or upon my
order on trust or bailee receipt); and (iii) the
proceeds of each and all of the foregoing,
until such time as all my obligations and/or
liabilities to you at any time existing under
these Terms and Conditions, or the
Facilities or otherwise, have been paid in
full and discharged. All or any of such
property and/or documents and the
proceeds thereof, coming into you or your
correspondents possession, may be held
and disposed of by you as hereinafter
provided, it being understood that neither
the establishment of the Payment Fund nor
receipt by you or any of your
correspondents at any time of other
security of whatsoever nature, including
cash, shall be deemed a waiver of any of
your rights or powers hereunder.
70
im no ti sn bo m khc c bt k

tnh cht no, k c tin mt, cng khng
c xem l vic t b bt k quyn hoc
quyn hn no ca ngn hng theo vn bn
ny.
18.6. Trong bt k khong thi gian no m
ti (hoc bt k bn th ba no c ti bo
lnh) cn n ngn hng do rt tin t bt k
Hn mc Tn dng no m ngn hng cp
cho ti (hoc cho m
t bn th ba), ti s
khng c rt, th chp, cm c hoc to
lp bt k bin php bo m no i vi
hoc x l bng cch khc bt k ti sn no
ca ti c cm c, k qu, hoc th
chp cho ngn hng bo m cho cc
Hn mc Tn dng hoc nhn bt k
khon tin no khc lin quan n hoc
pht sinh t cc ti sn nu khng c
chp thun trc ca ngn hng, v chp
thun s c a ra theo cc iu
khon v iu kin do ngn hng nh ot
theo ton quyn quyt nh ca mnh. Ngn
hng bng vn bn ny c php ti u t
cc khon tin lin quan n cc khon u
t theo ch th ca ti.
18.6 I shall not, for any period during which

I am (or a third party guaranteed by me is)
indebted to you as a result of drawing
against any Facilities extended to me (or a
third party) by you, withdraw, mortgage,
pledge or create any other security interest
in or otherwise deal with any of my assets
pledged, deposited with, or mortgaged to
you as security for such Facilities or to
receive any other sums in relation to or
derived therefrom without your prior
consent, such consent to be given on such
terms and conditions as you may at your
absolute discretion prescribe. You are
hereby authorised to reinvest the sums in
the relevant investments as I may direct.
18.7. Bin php bo m ny s l bin php

bo m lin tc bt k c vic kt ton bt
18.7 This security shall be a continuing

security notwithstanding any settlement of
71
k vn no khc v c b sung cho v

khng nh hng n bt k bin php bo
m no khc c to ra hoc c ngn
hng nm gi hin ti hoc sau ny hoc
bt k quyn hoc bin php x l no m
ngn hng c th c i vi bin php bo
m . Khng c quy nh no trong vn
bn ny hn ch vic thc hin bt k quyn
cm gi chung, quyn b tr theo quy nh
hoc cc quyn hoc bin php x l no
khc m ngn hng c th c theo quy nh
ca php lut hoc quy nh khc.
account of other matter whatsoever and is

in addition to and shall not prejudice any
other security created or now or hereafter
held by you or any right or remedy might
have in respect of the same. Nothing herein
shall restrict the operation of any general
lien, statutory right of setoff or other
rights or remedies whatsoever which you
may have under law or otherwise.
19. Khng Hon tr
19.Default in Repayment
19.1. Nu ti cn n ngn hng m

t khon
tin khi (cc) Ti khon b ng, ti s thanh
ton tin li trn s tin theo li sut do
ngn hng quy nh vo t ng thi im, khi
no m s tin hoc bt k phn no
trong vn cn n.
19.1 If a balance shall be owing to you when

the Account(s) shall be closed I shall, so
long as the same or any part thereof shall
remain due, pay to you interest thereon at
such rate as you may prescribe from time to
time.
19.2. Tr khi c ngn hng chp thun

khc, vo bt k thi im no sau khi xy
ra m
t hoc cc s kin no sau y, bt k
hoc tt c cc Ngha v hoc cc ngha v
m ti gnh chu ti bt k chi nhnh hoc
cng ty con ca Citibank hoc T chc
thu
c Citigroup, bao gm nhng khng hn
19.2 At any time after the happening of any

one or more of the following events, unless
otherwise agreed by you, any or all of the
Obligations or any obligations owed by me
to in any branches or subsidiaries of
Citibank
or
Citigroup
Organisation,
including without limitation the whole of
72
ch n ton b

bt k khon ng trc c
thi hn no (Khon ng trc C thi
hn) nu cha c thanh ton hoc bt k
phn no trong vo thi im vn cn
n v cha c thanh ton cng vi tin li
pht sinh v ton b
cc khon tin khc
pht sinh t , s lp tc tr nn n hn
v phi tr m khng cn c yu cu hoc
thng bo, v ton b
quyn hn v thm
quyn c trao cho ngn hng theo vn
bn ny ghi n t (cc) Ti khon (v cho
mc ch , rt ngn ngy o hn ca
(cc) Ti khon c ti duy tr ti ngn
hng), ton b
s tin n hn phi tr cho
ngn hng theo vn bn ny hoc theo bt
k Hn mc Tn dng no c nu trn v
bn, chuyn nhng, v giao ton b
hoc bt k ti sn no c nu trn

bng hnh thc bn u gi hoc bn trc
tip cho ngi mua, theo s la chn ca
ngn hng, thu tin mt hoc ghi n hoc
giao sau, m khng phi chu bt k ri ro
tn dng no, v khng cn c yu cu,
qung co hoc thng bo di bt k hnh
thc no:
any term advance (Term Advance) if it

has been made or any part thereof for the
time being outstanding and unpaid together
with interest thereon and all other monies
arising therefrom, shall immediately
become due and payable without demand
or notice, and full power and authority are
hereby given to you to debit the Account(s)
(and for that purpose to accelerate the
maturity date of any such Account(s)
maintained by me with you) with the entire
amount due to you hereunder or under any
Facilities referred to above and to sell,
assign, and deliver all or any of the property
herein before referred to by public auction
or private sale, at your option, either for
cash or on credit or for future delivery,
without assumption of any credit risk, and
without either demand, advertisement or
notice of any kind:
(a) khi ti khng thc hin bt k cam kt

thanh ton no bao gm nhng khng gii
(a) upon the nonperformance of any of my

promises to pay including, but without
73
hn vic khng thanh ton cho ngn hng

bt k m
t hay nhiu t thanh ton no
ca Khon ng trc C thi hn v/hoc
tin li trn trong thi hn nu trn hoc
khng thanh ton bt k khon tin no
khc c cam kt thanh ton theo vn bn
ny;
limitation my default in payment to you of

any one or more of the instalments of any
Term Advance and/or interest thereon
within the times aforesaid or in payment of
any other moneys hereby covenanted to be
paid;
(b) khi ti khng thanh ton bt k ngha v

hoc khon n no khc c cp trong
vn bn ny;
(b) upon the nonpayment of any of the

other obligations or liabilities herein
mentioned;
(c) nu ti khng tun th, vi phm hoc c

kh nng vi phm bt k iu khon, quy
nh v cam kt no trong vn bn ny hoc
c lin quan n cc Hn mc Tn dng hoc
theo bt k hp ng, vn bn hoc ti liu
hoc dn xp no khc gia ngn hng vi
ti;
(c) if I shall fail to comply with, or breach or

threaten to breach any of the terms,
stipulations and covenants herein or in
respect of the Facilities, or in any other
agreement, document or instrument or
arrangement between you and me;
(d) nu ti bng bt k cch thc no trnh

by vi ngn hng rng ti nghi ng hoc
khng th a nhn hiu lc hoc ph nhn
trch nhim i vi, hoc quyn s hu i
vi, bt k giao dch v/hoc bt k hp
ng, vn bn hoc ti liu hoc dn xp
no gia ti vi ngn hng theo hoc c lin
quan n m
t Ti khon, v bt k l do g;
(d) if I shall in any way demonstrate to you

that I dispute or contest the validity or
disclaim liability for, or ownership of, any
transaction
and/or
any
agreement,
document or instrument or arrangement
between you and me under or in connection
with an Account, for any reason
whatsoever;
(e) khi ti khng b sung kp thi tin mt
(e) upon my failure to forthwith furnish

74
hoc bin php bo m m

t cch tha
ng lin quan n cc Hn mc Tn dng
hoc bt k iu khon no khc trong vn
bn ny hoc theo quy nh ca bt k hp
ng, vn bn hoc ti liu hoc dn xp
gia ti vi ngn hng hoc ngay khi bt k
bin php bo m no b x l hoc tch
bin, thi hnh, tch thu tm thi, tch thu
hoc c cc th tc khc c p t i vi
bt k hoc ton b
cc ti sn, quyn li
hoc li nhun ca ti;
satisfactory additional cash, or security in

respect of the Facilities or any other terms
herein or in accordance with any other
arrangement between you and me or upon
any security being enforced or distress,
execution, sequestration, attachment or
other process being levied against any or all
of my assets, rights or revenues;
(f) trong trng hp ti cht hoc mt tr

hoc mt nng lc hnh vi hoc b to n c
thm quyn tuyn b mt tch, khng thc
hin hot
ng kinh doanh, gii th hoc
chm dt s tn ti (nu ti l t chc);
(f) in the event of my death or insanity, or

otherwise incapacity or a competent court
declaring I am missing, failure in business,
dissolution or termination of existence (if I
am an entity);
(g) nu ti ng ng hoc c kh nng ng ng

tin hnh hot
ng kinh doanh hoc cng
vic b chm dt bi ti hoc bi ngi s
dng lao
ng, bng hnh thc sa thi hoc
hnh thc khc v bt k l do no;
(g) if I shall cease or threaten to cease to

carry on my business or my employment is
terminated by me or my employer, through
dismissal or otherwise for any reason
whatsoever;
(h) nu cc th tc php l, kin tng hoc

hnh
ng thu
c bt k loi no (d l hnh
s hay dn s) c tin hnh chng li
ti;
(h) if legal proceedings, suit or action of any

kind (whether criminal or civil) be instituted
against me;
(i) nu (i) c c s v vic n

p n xin ph
(i) where (i) grounds exist for the presentation

75
sn i vi ti theo quy nh ca php lut

p dng i vi ti; (ii) bt k th tc no
c bt u nhm chng li ti theo bt k
lut hoc quy nh no lin quan n vic
gii tr ngha v cho ngi thiu n gii
tr hoc iu chnh li bt k khon n no
ca ti thng qua vic c cu li, kht n,
gia hn hoc cch khc;
of a bankruptcy petition against me under

law applicable to me; or (ii) any proceedings
are commenced against me pursuant to any
laws or regulations relating to the relief of
debtors for the relief or readjustment of
any indebtedness of mine either through
reorganization, composition, extension or
otherwise;
(j) nu vic ti tun th v thc hin hoc

hon thnh bt k cam kt hoc ngha v
no ca ti theo bn iu khon v iu
kin ny hoc vic ngn hng thc hin bt
k quyn no c trao cho ngn hng hoc
cch khc tr nn bt hp php v ti
nhn c thng bo v vic ;
(j) if it shall become unlawful for me to

observe and perform or to fulfil any of my
undertakings or obligations under these
Terms and Conditions or for you to exercise
any of the rights vested in you or otherwise
and notice thereof has been given to me;
(k) nu theo kin ca ngn hng, c thay

i bt li ng k v tnh hnh ti chnh ca
ti hoc bt k iu kin no khc m theo
kin ca ngn hng c nh hng n kh
nng thc hin cc ngha v ca ti theo
bn iu khon v iu kin ny;
(k) if in your opinion, there is a material

adverse change in my financial condition or
any other conditions which in your opinion
will affect my ability to perform my
obligations under these Terms and
Conditions;
(l) nu bt k bo m, cam oan, tuyn b

hoc cng b no c ti a ra cho ngn
hng tr nn sai s tht hoc khng ng v
bt k ph ng din no hoc khng cn
ng s tht hoc chnh xc v bt k
(l) if any warranty, representation,

statement or declaration made by me to
you shall be untrue or incorrect in any
respect or ceases to be true or correct in
any respect or if I shall be in breach of any
76
ph ng din no hoc nu ti vi phm bt

k cam oan hoc bo m no c a ra
vi ngn hng;
representations or warranties made to you;
(m) nu ti khng thanh ton bt k khon

n no ca ti khi n hn, hoc th a nhn
tnh trng khng c kh nng thanh ton
cc khon n ni chung, hoc s thc hin
hoc n lc thc hin, bt k tho hip hoc
dn xp no vi cc ch n hoc thc hin,
hoc n lc thc hin, chuyn nhng
chung v li ch ca cc ch n; hoc c bt
k th tc no c tin hnh bi hoc i
vi ti (hoc bt k hnh
ng no c
thc hin bt u th tc ) hoc bt k
lnh no c bt k to n c thm quyn
hoc cc c quan c thm quyn khc a
ra hoc bt k hnh
ng no c tin
hnh i vi vic ti ph sn, mt kh nng
thanh ton, gii th hoc thanh l, hoc
ch nh ngi c u thc trong trng
hp ph sn, ngi thanh l, ngi qun l
ti sn, ngi qun l ti sn do to n ch
nh hoc ngi c u thc qun l bt
k phn no ca cc ti sn, li nhun hoc
cng vic kinh doanh ca ti;
(m) if I shall generally not pay any of my

debts as they become due, or shall admit
my inability to pay my debts generally, or
shall make, or take steps to make, any
compromise or arrangement with my
creditors or make, or take steps to make, a
general assignment for the benefit of
creditors; or any proceeding shall be
instituted by or against me (or any step is
taken to institute such proceeding) or any
order shall be made by any competent court
or other appropriate authority or any step
is taken for my bankruptcy, winding up,
dissolution or liquidation, or for the
appointment of a trustee in bankruptcy,
liquidator, receiver, judicial manager or
trustee for any part of my property,
revenues or undertaking;
(n) nu bt k s tin hoc ti sn khc ca

ti m tin hoc ti sn c th c nm
(n) if any of my funds or other property

which may be in, or come into, your
77
gi hoc qun l bi ngn hng, hoc bt k

bn th ba no hnh
ng thay mt ngn
hng nh nu trn, b tch bin hoc tch thu
hoc phi tun th bt k lnh ca ta n
hoc th tc t tng php l khc;
possession or control, or that of any third

party acting on your behalf as aforesaid,
should be attached or distrained or should
be or become subject to any mandatory
order of court or other legal process;
(o) nu bt k s kin no trn y xy ra

lin quan n (i) bt k bn th ba no hin
ti hoc sau ny bo lnh hoc cung cp
bin php bo m hoc bi hon cho bt k
ngha v hoc n no ca ti theo vn bn
ny hoc (ii) nu bn th ba l m
t cng
ty, bt k cng ty con hoc cng ty m no
ca bn th ba hoc bt k cng ty con no
ca cng ty m ; hoc bt k c nhn no
hin ti hoc sau ny chu trch nhim khi
bn th ba b ph sn, cht hoc tr nn
mt tr tu t ng trng hp hoc (iii) nu
bn th ba l cng ty c th thc hin
chuyn nhng v li ch ca cc ch n
hoc li dng bt k lut ph sn no;
(o) if any of the foregoing events occurs in

relation to (i) any third party which now or
hereafter has guaranteed or provided
security for or given an indemnity in
respect of any obligation or liability of mine
herein or (ii) if such third party is a
corporate entity, any subsidiary or holding
company of any such third party or any
subsidiary of any such holding company; or
any individual now or hereafter liable as
such third party shall commit an act of
bankruptcy, die or become of unsound mind
as the case may be or (iii) if such third party
being a corporate entity should make an
assignment for the benefit of creditors or
take advantage of any insolvency law;
(p) nu ti hp nht hoc sp nhp vi, hoc

chia tch thnh, hoc chuyn nhng tt c
hoc c bn tt c cc ti sn ca ti cho,
m
t t chc khc v ti thi im hp nht,
sp nhp, chia tch hoc chuyn nhng, th
(p) if I shall consolidate or amalgamate with,

or merge into, or transfer all or
substantially all of my assets to, another
entity and at the time of such consolidation,
amalgamation, merger or transfer, the
resulting, surviving or transferee entity
78
bn c hp thnh, c to ra hoc nhn

chuyn nhng s khng gnh chu tt c
cc ngha v ca ti theo bn iu khon v
iu kin ny hoc theo bt k hp ng,
vn bn hoc ti liu hoc dn xp gia ti
vi ngn hng:
shall fail to assume all my obligations under

these Terms and Conditions or any other
arrangement between you and me;
(q) xy ra m
t s kin vi phm (d c m
t di bt k hnh thc no) theo bt k
hp ng, bo m hoc kh c hoc ti
liu no lm cho ngha v n hoc ngha
v thanh ton tr nn hoc b tuyn b n
hn v phi thanh ton trc ngy m l ra
n n hn v phi thanh ton hoc theo
bt k hp ng, vn bn hoc ti liu hoc
dn xp no khc gia ti vi ngn hng;
(q) the occurrence of an event of default

(howsoever
described)
under
any
agreement, mortgage, indenture or
instrument which shall result in any of my
indebtedness or payment obligation
becoming or being declared due and
payable prior to the date on which it would
otherwise become due and payable or any
other agreement, document or instrument
or arrangement between you and me;
(r) nu ngn hng tin tng m

t cch hp l
rng ti hoc m
t ngi no khc (d c
hoc khng c thng bo, chp thun ca
ti hay theo hnh thc no khc) ang s
dng m
t Ti khon m
t cch bt hp php
hoc gian ln;
(r) if you reasonably believe that I am or

someone else (whether with my notice,
consent or otherwise) is using an Account
illegally or fraudulently;
(s) nu ngn hng thy cn thit hoc thch

hp bo v li ch ca ngn hng theo
bn iu khon v iu kin ny hoc theo
bt k hp ng, vn bn hoc ti liu hoc
(s) if you consider it advisable or necessary

to safeguard your interests under these
Terms and Conditions or any other
79
dn xp no khc gia ti vi ngn hng;

v/hoc;
arrangement between you and me; and/or
(t) nu ngn hng khng th lin lc vi ti

theo a ch hoc cc thng tin lin lc c
ngn hng bit n gn y nht hoc nu
ti v bt k l do g khng hoc t chi a
ra cc Ch th i vi bt k yu cu no ca
ngn hng hoc c yu cu bi b n iu
kho n v iu ki
n ny, hoc bt k tho
thu n, vn b n hoc ti li
u hoc dn xp
no gia ti vi ngn hng, trong kho ng
thi gian m ngn hng theo s quyt nh
ca mnh c th chp thu n c.
(t) If you shall be unable to contact me at

my address or contact details last known to
it or I shall fail or refuse for any reason
whatsoever to provide Instructions in
respect of any request by you or as
required under any of these Terms and
Conditions or any agreement, document or
instrument or arrangement between you
and me, within such timeframe as may be
acceptable to you in your discretion.
19.3. Ti bt k giao dch bn hoc chuyn

nhng ti s n no theo b n iu kho n v
iu ki
n ny, ngn hng bng ton quyn
quyt nh ca mnh c th mua ton b
hoc bt k phn no ca ti s n c bn,
khng c bt k quyn mua li no i vi
phn ca ti, tt c cc quyn bng vn
b n ny c t b v gi i tr. Trong trng
hp bt k giao dch bn hoc chuyn
nhng bt k ti s n no ni trn, sau khi
tr tt c chi ph hoc ph tn cc loi cho
vi
c gi gn, b o qu n, thu, bn, giao hoc
cch khc, ngn hng c quyn s dng s
19.3 At any sale or other disposition of

property
under
these
Terms
and
Conditions, you may, at your absolute
discretion, purchase the whole or any part
of the property sold, free from any right of
redemption on my part, all such rights being
also hereby waived and released. In the
event of any sale or other disposition of any
of the property aforesaid, after deducting
all costs or expenses of every kind for care,
safekeeping, collection, sale, delivery or
otherwise, you may apply the residue of the
proceeds of the sale(s) or other disposition
80
tin cn li thu c t (cc) giao dch bn

hoc chuyn nhng , thanh ton hoc
gi m bt, d ton b hay mt phn, tt c
hoc bt k ngha v v/hoc kho n n no
ca ti m khng nh hng n cc quyn
ca ngn hng i vi ti v bt k v ton
b cc kho n tin c th hoc vn cha
c thanh ton cho bt k ngha v
v/hoc kho n n no nu trn vo bt k
thi im no.
thereof, to the satisfaction or reduction,

either in whole or in part, of all or any of my
obligations and/or liabilities without
prejudice to your rights as against me with
respect to any and all amounts which may
be or remain unpaid on any of the aforesaid
obligations and/or liabilities at any time.
20. B tr
20. SetOff
(a) Trong phm vi c php lu t Vi

t Nam
cho php, ngn hng c quyn gp li
hoc hp nht tt c hoc bt k Ti kho n
no ca ti v b tr bt k kho n tin
no c ghi c trong bt k Ti kho n no
i vi cc kho n n ca ti (cho d l n
thc t hoc n tim tng, cho d l n
chnh hay n b sung v/hoc l n ring r
hay n c l p) (Kho n n) vi ngn hng
(k c cc kho n n theo bt k Hn mc Tn
dng no m ngn hng cp cho ti, d
ti l bn vay, bn b o m hay vi t cch
khc). Nu vi
c gp, hp nht hay b tr
yu cu ph i c vi
c chuyn i t loi tin
ny sang loi tin khc, ngn hng bng vn
b n ny c u quyn mua s tin
(a) To the extent permitted by the laws of

Vietnam, you are entitled to combine or
consolidate all or any of my Account(s) and
to set off any amount standing to the credit
of any Account(s) against my liabilities
(whether actual or contingent, primary or
collateral and/or several or joint (the
Liabilities) to you (including my liabilities
under any Facilities which you have
granted, whether as borrower, surety or
otherwise).
If
such
combination,
consolidation and setoff requires the
conversion of one currency into another,
you are hereby authorised to purchase with
such monies any other currencies to effect
such application using the rate of exchange
81
bng bt k loi tin no thc hi

n vi
c
gp, hp nht v b tr vi t gi hi oi
vo ngy tng ng. Bt k kho n tin no
ca ti c ngn hng la chn thc
hi
n vi
c b tr s c xem l n hn
hoc tr nn n hn v ph i thanh ton
(trong phm vi c yu cu thc hi
n vi
c
b tr).
at the relevant date. Any of my amounts

which you elect to use to effect a setoff
shall be deemed to have matured or
become due and payable (to the extent
required to effect such setoff).
(b) Tt c cc kho n tin ghi c trong (cc)

Ti kho n s c xem nh c b tr
ngay l p tc hoc thanh ton cc Kho n
n ca ti (ton b hay mt phn) trong bt
k s ki
n no sau y:
(b) All amounts standing to the credit of the

Account(s) shall be deemed to be forthwith
setoff in or towards satisfaction of my
Liabilities (whether in whole or in part) in
any of the following events:
i. ti khng hon tr cho ngn hng theo

yu cu bt k kho n tin no n hn;
(i) my failure to repay on demand any sum

due to you;
ii. (cc) kho n tin gi ca ti c kh nng b

nh hng bi th tc mt kh nng thanh
ton hoc bi khiu ni ca bn th ba;
(ii) my deposit(s) are threatened by

insolvency proceedings or by thirdparty
claims;
iii. ti cht, mt nng lc hnh vi, ph s n

hoc ti s n ca ti c giao cho ngi
qu n l ti s n;
(iii) my death, incapacity, bankruptcy or my

going into receivership;
iv. ngn hng nh n c l

nh tch thu hc
bt k thng bo no t bt k c quan Nh
nc no lin quan n (cc) Ti kho n;
(iv) your receipt of a garnishee order or any

notices from any State authority relating to
the Account(s);
v. (nhng) ngi b o lnh ca ti cht, mt
(v) death, insanity or incapacity of my

82
tr hoc mt nng lc hnh vi; hoc
guarantor(s); or
vi. ti vi phm bt k mt hay nhiu quy nh

no trong b n iu kho n v iu ki
n ny.
(vi) my breach of any one or more

provisions of these Terms and Conditions.
Nhm mc ch b tr, bt k kho n tin

no c ghi c trong (cc) Ti kho n cha
n hn hoc c bt k iu ki
n c bi
t
no c p dng i vi kho n tin cha
c p ng, th kho n tin s c xem
l n hn hoc c p ng hoc
tr nn n hn v ph i tr trong phm vi
thc hi
n vi
c b tr ngay khi ngn hng
a ra thng bo. Trong trng hp cc s
d trong cc ti kho n ca ti v cc kho n
tin m ngn hng n ti khng cng mt
loi tin, ngn hng bng vn b n ny c
u quyn mua s tin bng bt k loi
tin no vi t gi hi oi vo ngy thc
hi
n b tr.
For the purpose of this setoff, any amounts

standing to the credit of the Account(s)
which have not matured or any of the
special conditions applicable to such
amounts which have not been satisfied,
shall be deemed to have matured or
satisfied and become due and payable to
the extent to effect such setoff upon the
giving of a notice by you. In the event the
balances in my accounts and you liabilities
to me may not be expressed in the same
currency, you are hereby authorised to to
purchase with such monies any other
currencies to effect such application using
the rate of exchange at the date of setoff.
(c) Bt k s d c no trong (cc) Ti kho n

ca ti k c cc ti kho n ti cc chi nhnh
hoc cng ty con ca Citibank v T chc
thuc Citigroup c th c s dng
thanh ton bt k kho n tin no vo thi
im n hn v ph i tr i vi cc
Kho n n ca ti v cc trch nhi
m m ti
(c) Any credit balance on my Account(s)

including accounts with the branches or
subsidiaries of Citibank and Citigroup
Organisation may be applied in satisfaction
of any sum then due and payable in respect
of my Liabilities and any liabilities owed by
me to in any branches or subsidiaries of
83
ph i gnh chu ti bt k chi nhnh hoc

cng ty con no ca Citibank hoc T chc
thuc Citigroup. Ngn hng c u quyn
mua s tin bng bt k loi tin no
vi t gi hi oi vo ngy thc hi
n b tr.
Citibank or Citigroup Organisation. You are

authorised to purchase with such monies
any other currencies to effect such
application using the rate of exchange at
the date of setoff.
(d) Cc quyn ca ngn hng theo iu ny

s khng nh hng n bt k bi
n php
b o m hoc cc quyn khc m ngn
hng c th c.
(d) Your rights under this Clause shall not

prejudice any other security or rights which
you may have.
(e) Trong trng hp (cc) Ti kho n ca

ng ch ti kho n, ngn hng c quyn b
tr cc kho n n ca bt k ch s hu ca
ti kho n ca ng ch ti kho n no i vi
ngn hng trn bt k ti kho n no ti bt
k chi nhnh hoc cng ty con no ca
Citibank hoc T chc thuc Citigroup, cho
d vi t cch l bn vay, bn b o m hoc
mt t cch khc vi s d c trong (cc)
Ti kho n ca ng ch ti kho n khi ch c
mt hoc mt s ch ti kho n ch khng
ph i tt c cc ch ti kho n mc n cc
kho n tin , cc quyn ca ngn hng
theo on trn cng p dng i vi cc s
d c m tt c cc ng ch ti kho n c
quyn s hu ring r hoc chung.
(e) In the case of Joint Account(s), you may

setoff the liabilities of any joint account
holder to you on any account in any
branches or subsidiaries of Citibank or
Citigroup Organisation opened with you,
whether as borrower, surety or otherwise
against the credit balance in the Joint
Account(s) where the said sums have been
incurred by only one or some but not all of
the joint account holders, your rights under
the preceding paragraph shall also extend
to credit balances to which all the joint
account holders are singly or jointly
entitled.
21. Min Trch nhim
21. Exemption from Liability

84
21.1. Ngn hng hoc bt k nhn vin, ngi

c ch nh hoc i l no ca ngn hng
u khng ph i chu trch nhi
m do vi
c
hnh ng hoc khng hnh ng lin quan
n hoc cn c theo bt k tha thu n no
ngoi tr trng hp s sut r rng hoc vi
phm c ca ngn hng hoc trng hp
nhn vin ngn hng hnh ng mt cch
gian l n. Trong trng hp , trch nhi
m
ca ngn hng lin quan n bt k kho n
u t no cng khng vt qu gi tr th
trng ca kho n u t vo thi im x y
ra s sut r rng hoc vi phm c hoc
gian l n .
21.1 Neither you nor any of your employees,

nominees or agents shall be liable as a
result of acting or failing to act in relation or
pursuant to any agreement except in the
case of your gross negligence or wilful
default or where your employees have
acted in a fraudulent manner. In that event,
your liability in connection with any
investment shall not exceed the market
value of the investment at the time of such
gross negligence or wilful default or fraud.
21.2. Khng hn ch tnh tng qut ca quy

nh trn, ngn hng khng ph i chu trch
nhi
m;
21.2 Without limiting the generality of the

foregoing, you shall not be responsible:
(a) v vi
c hnh ng theo thi
n ch hoc b
qua theo thi
n ch khng hnh ng theo
cc ch th ca ti c a ra cho ngn
hng thng qua Dch v Ngn hng qua i
n
thoi, Dch v Ngn hng Trc tuyn
Citibank, hoc dch v ngn hng qua fax v
tt c cc ch th bng vn b n bng bt k
cch no c chuyn n ngn hng;
(a) for acting in good faith or omitting in

good faith to act on my instructions given to
you via the Telephone Banking Service,
Citibank Online Internet Banking Service, or
facsimile banking service and all written
instructions howsoever forwarded to you;
(b) nu, v bt k l do no ngoi kh nng
(b) if, for any reason beyond your control,

85
kim sot ca ngn hng, hot ng ca bt

k mt hay nhiu Ti kho n no ca ti hoc
kh nng ca ngn hng trong vi
c ghi chp
cho ti bt k kho n u t no trong (cc)
Ti kho n b hn ch hoc b nh hng
theo cch khc;
the operation of any one or more of my

Account(s) or your ability to
account
to me for any investment in it is restricted
or otherwise affected;
(c) v bt k thi

t hi, tn tht hoc gi m
st bt k kho n u t no theo vn b n
ny hoc v bt k trng hp khng c sn
hoc gi m st ngun vn cho cc kho n u
t ;
(c) for any damage, loss or diminution to

any of the investments hereunder or for
any unavailability or diminution of funds in
respect of such investments;
(d) v bt k tn tht hoc thi

t hi no gy
ra bi bt k ch m tr hoc tht bi trong
vi
c truyn thng tin hoc cc phng ti
n
truyn thng hoc thi gian thc hi
n ca
cc h
thng thanh ton b tr bn ngoi
hoc gi c sn c do tnh thanh kho n ca
th trng hoc khc bi
t v mi gi;
(d) for any loss or damage caused by any

delay or failure in any transmission or
communication facilities or lead times on
external clearing systems or price
availability due to market liquidity or time
zone differences;
(e) nu cc ngun vn c ghi c hoc ghi

n t bt k mt hay nhiu Ti kho n no b
gi m gi tr do cc kho n thu, khu tr, gi
li, thu quan hoc mt gi hoc khng cn
sn c do cc hn ch (d pht sinh bng
cch no) v kh nng chuyn i, kh nng
chuyn nhng, iu ki
n bt buc, hnh
ng chnh ph, l
nh, ngh nh v quy nh,
(e) if the funds credited to or debited from

any one or more of my Account(s) diminish
in value due to taxes, deductions,
withholdings, imposts or depreciation or
become unavailable due to restrictions
(howsoever arising) on convertibility,
transferability, requisitions, government
acts, orders, decrees and regulations,
86
chuyn nhng khng t nguy

n, tch bin
ti s n vi bt k tnh cht no, vi
c s dng
lc lng qun s hoc lc lng tim
quyn, hnh ng chin tranh hoc xung
t dn s hoc cc nguyn nhn tng t
khc nm ngoi kh nng kim sot hp l
ca ngn hng (cho d Vi
t Nam hoc bt
k ni no ngn hng gi cc kho n tin
);
involuntary transfers, distraint of any

character, exercise of military or usurped
powers, acts of war or civil strife or other
similar causes beyond your reasonable
control (whether in Vietnam or in any place
which you have deposited such funds);
(f) v bt k vi
c rt tin no theo bt k sc
no hoc v bt k tn tht hoc thi
t hi
no m ti c th ph i chu lin quan n
cc sc b mt;
(f) for any drawings made under any checks

or for any loss or damage I may suffer
relating to the lost checks;
(g) v bt k sc no c ngn hng thanh

ton hoc xc nh n do s bt cn, s sut,
hng dn sai ca sc trong bt k hon
c nh no nm ngoi kh nng kim sot hp
l ca ngn hng, v ngn hng c quyn
ghi n y s tin ca cc sc c
thanh ton hoc xc nh n nh th;
(g) for any checks paid or certified by you

through
inadvertence,
oversight,
misdirection of the check of any
circumstances beyond your reasonable
control, and you are entitled to debit the full
amount of such checks so paid or certified;
(h) v bt k trng hp rch bt k hi

phiu hoc sc ngn hng no, hoc s gin
on, li, thiu st hoc ch m tr trong vi
c
pht hnh hoc chuyn hi phiu hoc sc
(h) for any mutilations of any draft or

Cashiers Order, or interruptions, errors,
omissions or delays in the issue or
remittance of draft or Cashiers Order
87
ngn hng d pht sinh bng bt k cch

no;
howsoever arising;
(i) v vi
c ngn hng khng p ng yu cu
rt bt k s tin no ca ti trong (cc) Ti
kho n do vi
c tun th Lu t hoc Quy nh
php lu t hoc v bt k l do no;
(i) for your failure to meet my withdrawal

demands of any amounts on the Account(s)
for compliance of Law or Regulation or any
reason whatsoever;
(j) nu ti khng th rt hoc thc hi

n bt
k kho n u t no t bt k mt hoc
nhiu Ti kho n no do cc hn ch c
nu ti on (g) trn;
(j) if I am unable to withdraw or realise

investments from any one or more of my
Account(s) due to the restrictions referred
to in subparagraph (g) above;
(k) ngoi tr trng hp s sut r rng

hoc vi phm c ca ngn hng hoc
trng hp nhn vin ngn hng hnh
ng gian l n, v bt k hnh ng hoc
vi
c khng hnh ng (k c bt k s sut
hoc hnh vi sai tri c no) hoc s ph
s n hoc mt kh nng thanh ton ca bt
k cng ty con hoc cng ty lin kt, hoc
bt k i l, i l ph, ngi c ch nh,
ngi mi gii, ngi b o qu n, ngn hng
i l hoc i tc no do ngn hng thu
hoc s dng;
(k) except in the case of your gross

negligence or wilful default or where your
employees have acted in a fraudulent
manner for any act or omission (including
any negligence or wilful misconduct) or
bankruptcy or insolvency of any subsidiary
or affiliate, or any agent, s u b a g e n t ,
nominee, broker, custodian, correspondent
or counterparty employed or used by you;
(l) v bt k trng hp sai bi

t, khng hp
quy tc, thiu st hoc khng chnh xc no
trong vi
c qu n l v iu hnh (cc) Ti
kho n ca ti hoc trong cc chi tit ca cc
(l) for any discrepancies, irregularities,

omissions or inaccuracies in the handling
and operation of my Account(s) or in the
particulars of the investment transactions
88
giao dch u t c nu trong sao k hoc

Xc nh n, cho d nhng vi
c c thc
hi
n, x l hoc thanh ton do h u qu ca
vi
c gi mo, gian l n, khng thm
quyn, s sut hoc l do khc bi bt k
ngi no (ngoi tr trng hp do s sut
r rng hoc vi phm c ca ngn hng
hoc trng hp nhn vin ngn hng hnh
ng gian l n);
contained in the statement or Confirmation,

whether the same shall have been made,
processed or paid out as a result of forgery,
fraud, lack of authority, negligence or
otherwise by any person whatsoever
(except in the case of your gross negligence
or wilful default or where your employees
have acted in a fraudulent manner);
(m) v bt k tn tht hoc thi

t hi no m
ti c th ph i chu hoc mc ph i trc tip
hoc gin tip xut pht t hoc lin quan
n vi
c ngn hng cung cp cho ti bt k
sch gii thi
u, bo co u t hoc bt k
ti li
u no khc hoc vi
c ngn hng cung
cp cho ti bt k thng tin hoc xut ti
chnh, th trng hoc u t no.
(m) for any loss or damage which I may

directly or indirectly suffer or incur
resulting from or in connection with your
supplying me with any of your brochures,
investment reports or any other materials
or your providing me with any financial,
market or investment information or
suggestion.
(n) v bt k tn tht hoc thi

t hi no m
ti gnh chu theo bt k cch thc no
hoc bt k tn tht hoc thi
t hi thuc bt
k th loi no pht sinh t hoc lin quan
n cc s ki
n sau:
(n) for any loss or damage suffered or

incurred by me howsoever or whatsoever
arising from or in connection with:
i. bt k vi
c s dng th i
n t hoc dch
v SMS no; hoc
(i) any use of electronic mail or SMS

services; or
ii. bt k sai st no khi tun theo ch th,

quy trnh, biu mu v cc ch dn hi
n hnh
(ii) any failure to follow prevailing

instructions, procedures, form and
89
ca ngn hng v cc quy nh v knh lin

lc vi ngn hng; hoc
directions prescribed by you for the

provision of any communication to you; or
iii. bt k sai st no khi s dng dch v th

i
n t v/hoc quy trnh nhn SMS hoc
cc biu mu c ngn hng ban hnh;
hoc
(iii) any failure to use electronic mail

services and/or SMS procedures or forms
which are prescribed by you; or
iv. bt k sai st, nh ch, chm dt, ch m

tr, gin on, thiu st, khuyt im hoc
li do bn th ba cung cp thit b, phn
mm, phn cng, mng Internet, trnh duy
t
Internet, mng trc tuyn, nh cung cp
dch v mng Internet, nh cung cp dch v
vin thng, hay cc nh cung cp dch v
khc, my tnh hoc cc thit b hoc h
thng i
n t khc; hoc
(iv) any failure, suspension, cessation,

delay,
interruption,disruption,
errors,
defects or fault in third party equipment,
software, hardware, Internet, Internet
browsers, online networks, Internet service
providers,
telecommunication
service
providers or other service providers,
telecommunication, computer or other
electronic equipment or system; or
v. bt k sai st, nh ch, chm dt, ch m

tr, gin on, khuyt im hoc li trong
vi
c truyn t i thng i
p giao tip n
ngn hng hoc cc chp thu n hay xc
nh n t ngn hng, hoc bt k cc sai st
trong vi
c giao tip bng mng trc tuyn,
s dng nh cung cp dch v mng
Internet, nh cung cp dch v vin thng,
my tnh hoc cc thit b/h
thng i
n t
khc khng ph thuc vo vi
c cc i
tng ny c s hu, v n hnh, v duy tr
(v) any failure, suspension, cessation, delay,

interruption, disruption, errors, defects or
fault in the transmission of communication
to
you
or
authorizations
or
acknowledgements from you or any
wrongful
interception
of
any
communication
through
any
online
networks, Internet service providers,
telecommunication service providers or
other
service
providers,
90
bi ngn hng, ti hoc bt k ngi no

khc; hoc
electronic equipment or system whether or

not owned, operated or maintained by you,
me or any other person; or
vi. vi
c tin tng vo hoc hnh ng da
trn bt k thng i
p truyn thng no m
ti cung cp mc d c th khng c cung
cp bi ti hoc khng c s xc nh n, y
quyn ca ti; hoc
(vi) relying or acting on any communication

from given by me notwithstanding that it
may not have been given by me or with my
consent or authority; or
vii. vi
c ngn hng tr hon hay t chi thc
hi
n bt k thng ip truyn thng no m
ti c th cung cp hoc chng nh n vi
c
cung cp bao gm cc l do lin quan n
Lu t hoc Quy nh php lu t hi
n hnh;
hoc
(vii) any delay or refusal by you to execute

any communication that may be validly be
given by me or authenticated by me
including for reasons due to applicable Law
or Regulation; or
viii. bt k s khng tng xng v kh

nng, h hao v h
thng mng, s yu km
trong qu n l, tn cng gy hi, nhng ph
hoi ngoi tm kim sot hp l ca chng
ti; hoc
(viii) any capacity inadequacies, network

vulnerabilities,
control
weaknesses,
malicious attacks, hacking incidents beyond
our reasonable control; or
ix. bt k s h hi hoc mt mt d li

u hay
thng i
p truyn thng no c lu tr ti
bt k thit b no hay ang trong tnh trng
chuyn giao thng qua mng trc tuyn,
nh cung cp dch v Internet, nh cung cp
dch v vin thng hay dch v khc, phng
ti
n vin thng, my tnh hoc phng ti
n
(ix) any corruption or loss of any data or

communication stored in any equipment or
in the course of transmission thereof
through online networks, Internet service
providers,
telecommunication
service
providers or other service providers,
91
hay h
thng i
n t khc bao gm bt k
li no pht sinh trong qu trnh chuyn
giao thng i
p truyn thng; hoc
electronic equipment or system including

any errors generated in the transmission of
any communication; or
x. ngn hng khng tha nh n bt k thng

i
p truyn thng no do ti gi ti ngn
hng; hoc
(x) your failure to acknowledge any

communication sent by me to you; or
xi. ti cung cp sai hoc khng chnh xc a

ch th i
n t hay s i
n thoi di ng cho
ngn hng, hay ti khng kp thi c p nh t
vi ngn hng khi c s thay i v a ch
th i
n t hay s i
n thoi di dng; hoc
(xi) any provision of wrong or inaccurate

electronic mail address or mobile phone
number to you or my failure to update you
of any change or proposed change in my
electronic mail address or mobile phone
number; or
xii. ti khng kim tra thng xuyn cc

thng tin t ngn hng gi ti a ch th
i
n t hay i
n thoi di ng ca ti.
(xii) my failure to regularly check my

electronic mail or mobile phone for
communication from you.
21.3 Khng chi nhnh hoc cng ty con no

khc ca Citibank hoc T chc Citicorp
hoc bt k Nhm Cng ty no ph i chu
trch nhi
m hoc c ngha v v vi
c thc
hi
n cc ngha v ca ngn hng, hoc v
trch nhi
m ca ngn hng (cho d pht
sinh nh th no v c nm trong kh nng
kim sot ca ngn hng hay khng), theo
b n iu kho n v iu ki
n ny hoc v
vi
c ngn hng khng p ng yu cu rt
21.3 None of the other branches or

subsidiaries of Citibank or Citicorp
Organisation or any of Group Companies
shall be responsible or liable for the
performance of your obligations, or for
your liability (howsoever arising and
whether or not within your control), under
these Terms and Conditions or for your
failure to meet my demands for withdrawal
of funds from my Account(s).
92
tin ca ti t (cc) Ti kho n ca ti.

21.4 Ngn hng s khng chu trch nhi
m
vi ti trong trng hp ngn hng khng
thc hi
n ngha v theo Tha thu n ny do
vi
c thc hi
n ngha v dn ti vi
c ngn
hng vi phm Lu t hoc Quy nh php lu t,
c bi
t l cc quy nh v FATCA.
21.5 Ngn hng s khng chu trch nhi
m
vi ti trong bt k trng hp lin quan
n:
Chm dt vic kinh doanh, mt uy tn, mt
c hi, mt li nhu n, hoc
Bt k tn tht no ti phi gnh chu m
ngn hng khng th lng trc c khi
ti a ra ch th cho ngn hng theo Tha
thu n ny
22. Bi hon
Ti s nhanh chng bi hon y cho
ngn hng, cc nhn vin ca ngn hng v
nhng ngi c ch nh hoc i l ca
ngn hng i vi ton b hnh ng, vi
c
khng hnh ng, thiu st, s sut, khiu
ni, ki
n tng, yu cu, tn tht (d trc tip
hay gin tip), chi ph v ph tn (k c ton
b cc kho n thu quan, thu hoc cc
21.4 You will not be liable to me for any

failure to perform your obligations under
this Agreement where performance of that
obligation would have put you in breach of
requirements.
21.5 You will not be liable to me in any
circumstances for:
Loss of business, loss of goodwill, loss of
opportunity, lost of profit; or
Any loss to me that you could not
reasonably have anticipated when I gave
you an instruction under this Agreement.
22. Indemnity
I will indemnify you, your employees and
your nominees or agents promptly on a full
indemnity basis against all acts, omissions,
negligence, claims, proceedings, demands,
losses (direct or consequential), costs and
expenses (including all duties, taxes or
other levies and legal fees on a full
indemnity basis) and other liabilities
93
kho n thu khc v chi ph php l trn c

s bi hon y ) v cc ngha v khc m
ngn hng ph i chu (ngoi tr kho n thu
ph i tr trn li nhu n ca ngn hng) do
bt k vi phm no trong vi
c hon tr cc
kho n n ca ti hoc lin quan n vi
c k
kt, thc hi
n hoc thi hnh b n iu kho n
v iu ki
n ny hoc bt k tha thu n no
khc bao gm:
incurred by you (excluding taxation on your

profits) as a result of any default in
repayment of my liabilities or in connection
with the execution, performance or
enforcement of these Terms and Conditions
or any other agreement including:
(a) vi
c qu n l bt k Ti kho n no ca ti
hoc vi
c cung cp cho ti cc dch v u
t, b o qu n hoc cc Dch v khc, bao
gm, nhng khng gii hn bi, Dch v
Ngn hng Trc tuyn Citibank, Dch v
Ngn hng qua i
n thoi, dch v ngn
hng qua th i
n t v fax;
(a) the operation of any of my Account(s) or

the provision of investment, safekeeping or
other Services to me, in particular but
without limitation the Citibank Online
Internet Banking Service, Telephone
Banking Service, electronic mail and
facsimile banking service;
(b) bt k tn tht no pht sinh t nhng

bin ng trn th trng tin t
hoc chng
khon lin quan ngoi tr nhng tn tht
pht sinh trc tip t s sut r rng hoc vi
phm c ca ngn hng;
(b) any loss arising from fluctuations in the

relevant money or securities market except
where arising directly from your gross
negligence or wilful default;
(c) vi
c ngn hng thay mt ti gi cc
Chng khon da trn chng ch chuyn
i khng s dng chng ch;
(c) your lodging on my behalf scripbased

Securities for scripless conversion;
(d) vi
c ngn hng ghi c vo (cc) Ti
(d) your crediting the Account(s) on my

94
kho n theo ch th ca ti kho n tin bng

ng Vi
t Nam tng ng vi bt k
kho n tin gi bng ngoi t
no;
instructions
with
Vietnamese
equivalent of any foreign currency
deposit;
Dong
(e) vi
c thi hnh, thc hi
n v b o v
cc
quyn ca ngn hng theo hoc lin quan
n b n iu kho n v iu ki
n ny
v/hoc (cc) Ti kho n;
(e) the enforcement, presentation and

protection of your rights under or in
connection with these Terms and
Conditions and/or the Account(s);
(f) vi
c thc hi
n cc quyn ca ngn hng
bn, chm dt, b tr, thu hi kho n
thanh ton hoc thc hi
n cc th tc x l
khc;
(f) exercising your rights of sale, closeout,

setoff, recovering payment or taking
other enforcement proceedings;
(g) bt k vi phm ngha v tn thc hoc y

thc khc c gi tr rng buc i vi ti;
(g) any breach of trust or other fiduciary

obligation binding on me;
(h) vi
c ngn hng s dng bt k h
thng
hoc phng ti
n truyn tin, truyn thng,
v n t i no hoc phng ti
n khc trong
vi
c thc hi
n cc ch th ca ti dn n tn
tht, ch m tr, l
ch lc hoc lp li cc ch
th ;
(h) your using any system or means of

transmission, communication, transportation
or otherwise in carrying out my instructions
which results in the loss, delay, distortion or
duplication of such instructions;
(i) vi
c ngn hng hnh ng hoc khng
hnh ng da trn bt k thng tin hoc
ch th no c a ra bi ti hoc bi bt
k (nhng) ngi no c cho l ngi i
di
n ca ti, m ngn hng tin tng mt
cch thi
n ch l thng tin hoc ch th
(i) your acting or omitting to act on the

basis of any information or instructions
given by me or by any person(s) purporting
to be my attorney, where you believed in
good faith that the information or
instructions were given in excess of the
95
c a ra vt qu quyn hn c trao

cho ti, hoc vi
c ngn hng khng hnh
ng da trn cc ch th hoc thng tin m
ngn hng tin tng mt cch thi
n ch l
vi
c ngn hng hnh ng theo s dn
n vi phm bt k ngha v no ca ngn
hng;
powers vested in me, or your omitting to act

on the basis of such instructions or
information where you in good faith
believed that your so acting would result in
a breach of any duty imposed on you;
(j) vi
c ngn hng hnh ng theo thi
n ch
hoc theo thi
n ch khng hnh ng theo
bt k ch th bng mi
ng hoc bng vn b n
no (bao gm nhng khng gii hn cc ch
th bng fax, telex v th i
n t, cc ch th
c truyn qua Internet v cc ch th
chuyn tin ra nc ngoi) c a ra
hoc c cho l c a ra bi ti bt k
hon c nh chi phi ti thi im a ra ch
th hoc tnh cht ca giao dch v bt k
c bt k sai st, hiu lm, gian l n, gi mo
hoc thiu r rng no trong vi
c a ra
hoc nh n ni dung ch th , bao gm
nhng khng gii hn cc ch th c a ra
hoc c cho l c a ra bi ti cho
ngn hng cn c vo vi
c ti s dng (i)
Dch v Ngn hng qua i
n thoi; (ii) Dch
v Ngn hng qua fax v (iii) Dch v Ngn
hng Trc tuyn Citibank;
(j) your acting in good faith or omitting in

good faith to act on any oral or written
instructions (including without limitation
facsimile, telex and electronic mail
instructions, instructions transmitted via
the Internet and instructions for outward
remittances) given or purported to be given
by me regardless of the circumstances
prevailing at the time of such instructions
or the nature of the transaction and
notwithstanding any error, misunderstanding,
fraud, forgery or lack of clarity in the giving,
receipt or the contents of such instructions,
including but not limited to instructions
given or purported to be given by me to you
pursuant to my use of (i) the Telephone
Banking Service; (ii) the Facsimile Banking
Service and (iii) the Citibank Online Internet
Banking Service;
96
(k) ti khng bit c ni dung ca Th ,

v sau ti khng th ph n i ni dung
trong thi hn do ngn hng quy nh;
(k) my lack of knowledge of the contents

thereof, and any consequent inability on my
part to object to such contents within such
period as you may specify;
(l) vi
c ti khng thanh ton hoc hon tr
theo yu cu ca ngn hng bt k kho n
tin no n hn ph i tr cho ngn hng (k
c ton b tin li pht sinh trn s tin );
(l) my failure to pay or repay you on

demand any sum due to you (including all
interest accrued thereon);
(m) bt k tn tht no m ngn hng ph i

chu do bt k thay i no ca cc lu t, quy
nh hoc ch th ca chnh ph hi
n ti lin
quan n bt k quy nh no ca b n iu
kho n v iu ki
n ny;
(m) any loss suffered by you due to any

change in the existing laws, regulations or
governmental directives relating to any
provision of these Terms and Conditions;
(n) vi
c thu hi bt k sc, hi phiu i n,
hi phiu nh n n, hi phiu ngn hng, c
tc, chng ch hoc cng c khc m ti
xut trnh nh n tin, hoc vi
c b o lnh
ca bt k chng thc hoc s gi i tr no
cho chng thc lin quan n (cc) Ti
kho n hoc bt k giao dch no theo cc
chng t ;
(n) the collection of any check, bill, note,

draft, dividend, warrant or other instrument
which I present for collection, or the
guaranteeing of any endorsement or
discharge on the same in connection with
the Account(s) or any transaction
thereunder; and
(o) vi phm ca ti i vi bt k mt hay

nhiu quy nh no ca b n iu kho n v
iu ki
n ny hoc bt k Tha thu n no;
v
(o) my breach of any one or more

provisions of these Terms and Conditions or
any Agreement.
97
(p) bt k kho n thanh ton cng vi li sut

v cc kho n pht do ngn hng (hoc bt
k Nhm Cng ty ca ngn hng) trch t
qu ring ca mnh (hoc do Citibank thay
mt ngn hng) tr cho C quan c thm
quyn mt Kho n thu theo quy nh ti iu
26 m l ra ph i thu nhng khng thu.
(p) any payment plus interest and penalties

thereon that you (or any of your Group
Companies) made from your or its own
funds (or from Citibank on your behalf) to
Authorities in respect of an amount that
should have been, but was not, a Collected
Amount as set forth in Clause 26.
23. Ngha v Thanh ton
23. Payment Obligations
Nu khng c sn bt k loi tin no ca

cc ngha v thanh ton ca ngn hng do
cc hn ch v kh nng chuyn i, kh
nng chuyn nhng, iu ki
n bt buc,
o lu t ca chnh ph, l
nh, ngh nh v
quy nh, chuyn nhng khng t nguy
n,
tch bin ti s n vi bt k tnh cht no,
din t p qun s hoc lc lng tim quyn,
hnh ng chin tranh hoc xung t dn
s, lin minh tin t
hoc hi oi hoc cc
nguyn nhn tng t nm ngoi kh nng
kim sot hp l ca ngn hng, th ngn
hng s c xem nh p ng ngha v
thanh ton bng cch thc hi
n thanh
ton bng loi tin khc m ngn hng cho
l ph hp.
Where any currency in which your payment

obligations are denominated becomes
unavailable due to restrictions on
convertibility, transferability, requisitions,
government acts, orders, decrees and
regulations, involuntary transfers, distraint
of any character, exercise of military or
usurped powers, acts of war or civil strife,
monetary union or exchange or other
similar causes beyond your reasonable
control, you shall be deemed to have
satisfied such payment obligation by
making payment in such other currency as
you deem fit.
24. p dng cc iu khon khc
24. Application of other Terms
Nu cc Dch v hoc S n phm c cung
Where Services or Products are made

98
cp theo cc iu kho n ring bi

t, cc iu
kho n s c c chung vi b n iu
kho n v iu ki
n ny. Trong trng hp
c bt k mu thun no, cc iu kho n c
th p dng cho cc Dch v v S n phm
lin quan s c u tin p dng.
available on separate terms, those terms

shall be read in conjunction with these
Terms and Conditions. In the event of any
conflict the specific terms applicable to the
relevant Services or Products shall prevail.
25. Chi nhnh, Cng ty con hoc Cng ty

Lin kt ca Citibank
25. Citibanks Branches, Subsidiaries or

Affiliates
25.1. Khng c chi nhnh, cng ty con hoc

cng ty lin kt no ca Citibank ti Vi
t
Nam hoc ti bt k quc gia no trong bt
k hon c nh no ph i chu trch nhi
m i
vi ti v cc ngha v v/hoc kho n n
ca ngn hng theo b n iu kho n v iu
ki
n ny hoc v vi
c ngn hng khng p
ng yu cu rt tin t (cc) Ti kho n ca
ti.
25.1 No branch, subsidiary or affiliate of

Citibank in Vietnam or any other
jurisdiction(s)
shall
under
any
circumstances whatsoever be liable to me
in respect of your obligations and/or
liabilities under these Terms and Conditions
or for your failure to meet my demands for
withdrawal of funds from my Account(s).
25.2. Trong phm vi c Lu t hoc Quy

nh php lu t cho php, ngn hng c th
thc hi
n cc giao dch vi hoc thng qua
cc i tc, ngi mi gii hoc i l c
bt k T chc thuc Citigroup no (hoc
bt k Nhm cng ty no) s dng v c
ngn hng chp thu n vo tng thi im.
Khi ngn hng v/hoc bt k T chc thuc
Citigroup no (hoc bt k Nhm Cng ty
25.2 To the extent permitted by Law or

Regulation, you may effect transactions
with or through counterparties, brokers or
agents used by any Citigroup Organisation
(or any of Group Companies) and approved
by you from time to time. While you and/or
any Citigroup Organisation (or any of Group
Companies) will choose the counterparties,
brokers or agents with reasonable care to
99
no) la chn i tc, ngi mi gii hoc

i l vi s cn trng hp l b o m
rng cc bn ng tin c y, th c T chc
thuc Citigroup (hoc bt k Nhm Cng ty
no) ln danh sch v ngn hng u
khng ph i chu trch nhi
m v bt k hnh
ng hoc vi
c khng hnh ng ca bt k
i tc no nh th.
ensure that such parties are reliable,

neither the Citigroup Organisation (or any
of Group Companies) which compiled such
list nor you will have any responsibility for
any acts or omissions of any such parties.
25.3. Trng hp i tc trong bt k giao

dch no l chi nhnh hoc cng ty con ca
Citibank hoc mt T chc thuc Citigroup
(hoc bt k Nhm Cng ty no), th cc
ngha v ca Citibank hoc ca T chc
thuc Citigroup (hoc Nhm Cng ty )
s c thanh ton ti chi nhnh hoc cng
ty con v ph thuc vo Lu t hoc Quy
nh php lu t, quy nh v o lu t ca
chnh ph, l
nh v ngh nh c hi
u lc ti
ni t tr s ca chi nhnh hoc cng ty
con . Tr s chnh hoc bt k chi nhnh,
cng ty con hoc cng ty lin kt no khc
ca Citibank hoc T chc thuc Citigroup
(hoc Nhm Cng ty ) u khng ph i
chu trch nhi
m thanh ton cc ngha v
do cc hn ch (k c s ki
n bt kh khng)
nm ngoi kh nng kim sot ca chi
25.3 Where the counterparty in respect of

any transaction is a branch or subsidiary of
Citibank or a Citigroup Organisation (or any
of Group Companies), the obligations of
Citibank or that Citigroup Organisation (or
that Group Company) will be payable at
such branch or subsidiary and are subject
to the Law or Regulation, regulations and
governmental acts, orders and decrees in
effect where that branch or subsidiary is
located. Neither the head office nor any
other branch, subsidiary or affiliate of
Citibank or that Citigroup Organisation (or
that Group Company) shall be responsible
for the payment of such obligations due to
restrictions (including force majeure)
beyond the control of such branch or
subsidiary which prevent it from fulfilling its
100
nhnh hoc cng ty con khin cho chi

nhnh hoc cng ty con khng th hon
thnh cc ngha v ca mnh trong bt k
giao dch no. Trong ng c nh ny, cc hn
ch s khng bao gm cc hn ch v vi
c
thanh ton do nguyn nhn trc tip t vi
c
thanh l hoc mt kh nng thanh ton.
obligations under any transaction. In this

context, restrictions shall not include
restrictions on payment directly due to
liquidation or insolvency.
25.4. Ti hiu v ng rng ngn hng c

th thc hi
n cc giao dch cho ti thng
qua i l ca v/hoc vi mt i tc l
mt T chc thuc Citigroup (hoc bt k
Nhm Cng ty no) hoc mt ngi c c
lin quan n ngn hng theo mt hnh thc
khc cho d c th pht sinh xung t
quyn li. Ti cng hiu v ng rng
ngn hng c th thc hi
n cc giao dch m
ngn hng c li ch ng k trc tip hoc
gin tip.
25.4 I understand and agree that you may

effect transactions for me through the
agency of and/or with a counterparty which
is a Citigroup Organisation (or any of Group
Companies) or a person otherwise
associated with you even if a conflict of
interest may arise. I also understand and
agree that you may effect transactions
which you have a direct or indirect material
interest.
25.5. Ngn hng c th gi cc v tr ca

chnh mnh hoc ca (cc) khch hng khc
m cc v tr c th khng ph hp vi
cc v tr ca ti.
25.5 You may hold positions for yourselves

or other customer(s) which may not be
consistent with my positions.
26. Thu
26. Tax
Ti ng rng ngn hng (hoc bt k

Nhm cng ty ca ngn hng hoc Bn th
I agree that you (or any of your Group

101
ba cung cp dch v ca ngn hng/Nhm Cng

ty) c th thu hi hoc khu tr bt k Kho n
thu no c yu cu thu hi hoc khu tr theo
Lu t hoc Quy nh php lu t, c bi
t l quy
nh v FATCA, t bt k kho n thanh ton no
cho ti, hoc chuyn kho n cho ti t mt Ti
kho n. Kho n thu s c kp thi tr (i) trc
tip cho C quan thm quyn c lin quan hoc
(ii) gin tip n ngn hng Citibank, N.A ph
hp vi cc yu cu c lin quan v trong phm
vi php lu t Vi
t Nam cho php. Ti s c
thng bo v bt k Kho n thu no sm nht c
th. Ti xc nh n rng ngn hng s khng ph i
hon tr li bt k s tin no b thu hi hoc
khu tr bi Nh cung cp C s H tng Thanh
ton. Hn na, trong phm vi ngn hng hoc
bt k Nhm Cng ty ca ngn hng hoc Bn
th ba Cung cp Dch v ca ngn hng/Nhm
cng ty ph i thanh ton hoc thanh ton
bng cch trch qu ring ca mnh hoc ang
hoc s c yu cu thanh ton cho C quan
c thm quyn mt s tin, nhng khng ph i l
mt Kho n thu, ti s bi hon cho ngn hng
kho n thanh ton , cng vi li sut v cc
kho n pht pht sinh. Ti hiu rng ngn hng
khng ph i cht vn bt k yu cu thanh ton
no nh v y ca C quan c thm quyn.
Service Providers) may withhold or deduct

be withheld or deducted to comply with any
requirement, from any payment to me, or to
or from an Account. Any Collected Amount
shall be timely paid (i) directly to the
relevant Authority or (ii) indirectly to
Citibank, N.A in accordance with the
relevant requirement and to the extent
permitted by Vietnamese law. I will be
notified of any Collected Amount as soon as
reasonably practicable. I acknowledge that
you will not be required to reimburse me for
any amount withheld or deducted by a
Payment Infrastructure Provider. Further,
to the extent you or any of your Group
Service Provider pays or has paid from its
own funds or is or will become required to
make a payment to an Authority in respect
of an amount that should have been, but
was not, a Collected Amount, I will indemnify
you for such payment, plus any interest and
penalties thereon. I understand that you are
not required to contest any demand made
by an Authority for such payment.
102
DCH V
SERVICES
1. Dch v Ngn hng qua i

n thoi (k c
Dch v Ngn hng qua i
n thoi Di ng
v dch v vin thng khc)
1. Telephone Banking Service (including

Mobile Banking Service and other
telecommunications service)
1.1. Nu ti yu cu ngn hng cung cp Dch

v Ngn hng qua i
n thoi, ti s c
cp mt M Nh n dng C nhn qua i
n
thoi (TPIN) do ngn hng thng bo cho
ti.
1.1 If I request for the Telephone Banking

Service, I shall be allocated a Telephone
Personal Identification Number (TPIN)
which you shall notify to me.
1.2. Ti khng c tit l s TPIN ca ti

cho bt k bn no khc v ph i thc hi
n
tt c cc bi
n php cn thit trnh cho
s TPIN ca ti b pht hi
n bi bt k bn
no khc. Trong trng hp s TPIN ca ti
b tit l hoc b pht hi
n bi bt k bn
no khc, ti ph i thay i s TPIN ngay
l p tc. i vi Dch v Ngn hng qua i
n
thoi, ti cho php ngn hng thc hi
n
theo tt c cc ch th bng mi
ng ca ti khi
c nh n dng bng s CIN v TPIN chnh
xc ca ti v ngn hng khng ph i chu
trch nhi
m khi hnh ng theo cc ch th
mt cch thi
n ch.
1.2 I shall not reveal my TPIN to any other

party and shall take all necessary steps to
prevent discovery of my TPIN by any other
party. In the event that my TPIN is
disclosed or discovered by any other party,
I shall immediately change the same. For
the Telephone Banking Service, I authorise
you to follow all oral instructions from me
when identified by my correct CIN and
TPIN and you shall not be liable for acting
upon such instructions in good faith.
1.3. Ti ng cho ngn hng ghi m cc

cuc i
n thoi ca ti vi ngn hng
1.3 I consent to your recording of my

telephone calls with you to provide a record
103
cung cp bng chng cho cc ch th v ti

cng ng thm rng Dch v ny s c
cung cp cho ti theo b n iu kho n v
iu ki
n ny hoc cc iu kho n v iu
ki
n khc m ngn hng c th thng bo
cho ti vo tng thi im.
of instructions and I further consent that

this Service will be extended to me in
accordance with these Terms and
Conditions or such other terms and
conditions which you may notify me from
time to time.
1.4. Ngn hng c php vo tng thi

im chp nh n cc ch th bng mi
ng t
ti hoc c cho l t ti, v vi
c yu cu
ngn hng cung cp thm cc S n phm v
Dch v.
1.4 You are authorised from time to time to

accept oral instructions from me or
purporting to be from me, requesting
additional Products and Services to be
made available to me.
1.5. Khng nh hng n cc quy nh

chung ti mc Ch th ca Khch hng
trong b n iu kho n v iu ki
n ny,
ngn hng c quyn yu cu xc nh n
bng vn b n cho cc ch th bng mi
ng
ca ti (ngay c trong trng hp c
nh n dng bng s TPIN v CIN ca ti) v
ngn hng, bng ton quyn quyt nh ca
mnh, c th t chi hnh ng theo cc ch
th bng mi
ng m khng cn ph i thng
bo cho ti, cho n khi ngn hng nh n
c xc nh n bng vn b n chp nh n
c i vi ngn hng.
1.5 Without prejudice to the generality of

the section in these Terms and Conditions
entitled Customer Instructions, you shall
be entitled to require written confirmation
of my oral instructions (even where
identified by my TPIN and CIN) and you
may in your absolute discretion and without
notice refuse to act on such oral
instructions until you receive such written
confirmation satisfactory to you.
1.6. Ti c th thay i s TPIN ca ti vo

tng thi im, cc ch th s c nh n
1.6 I may change my TPIN from time to

time, such instructions to be identified by (i)
104
dng bng (i) s CIN ca ti v (ii) s TPIN.

Ngn hng bng ton quyn quyt nh ca
mnh c quyn t chi bt k s no c ti
chn thay th s TPIN m khng cn
ph i a ra l do. Ngn hng s xc nh n
hoc t chi (ty tng trng hp) s TPIN
thay th ca ti bng mi
ng hoc bng
phng ti
n i
n t. S TPIN thay th ca
ti, nu c ngn hng xc nh n, s c
hi
u lc k t thi im xc nh n v vi
c
ti s dng s TPIN mi s c iu
chnh bi cc quy nh ti mc ny. Khi la
chn s TPIN thay th, ti khng c la
chn bt k dy s lin tc hoc ging nhau
hoc tng t no hoc bt k dy s no
d xc nh hoc nh n bit l c lin quan
n ti.
my CIN and (ii) TPIN. You shall be entitled

at your absolute discretion to reject any
number selected by me as my substitute
TPIN without giving any reason therefor.
You will confirm or reject (as the case may
be) my substitute TPIN either orally or
electronically. My substitute TPIN, if
confirmed by you, shall take effect from the
time of such confirmation and my use
thereof shall be governed by this section.
When selecting a substitute TPIN, I shall
refrain from selecting any series of
consecutive or same or similar numbers or
any series of numbers which may easily be
ascertainable or identifiable with me.

ca mnh c quyn hy b vi
c ti s dng
s TPIN v/hoc vi
c rt li hoc thay i
Dch v ny (cho d ton b hay mt phn)
vo bt k thi im no m khng cn ph i
thng bo v a ra l do v vi
c hy b .
1.7 You shall be entitled at your absolute

discretion to cancel the use of my TPIN
and/or withdraw or vary this Service
(whether in whole or in part) at any time
without notice and without giving any
reason therefor.
105
TH ATM CITI/TH GHI N CITIBANK
CITI ATM CARD/CITIBANK DEBIT CARD
Trc khi s dng Th ATM Citi/Th Ghi n

Citibank, ti s c cc iu khon v iu
kin iu chnh vic ti s dng Th ATM
Citi/Th Ghi n Citibank di y. Bng vic
kch hot v/hoc s dng Th ATM
Citi/Th Ghi n Citibank ca ti, ti chp
nh n v chu rng buc b
i cc iu khon
v iu kin ny.
Before using my Citi ATM Card/Citibank

Debit Card, I will read the terms and
conditions set out below which govern my
use of the Citi ATM Card/Citibank Debit
Card. By activating and/or using my Citi
ATM Card/Citibank Debit Card, I am
accepting these terms and conditions and
will be bound by them.
1. nh ngha
1. Definitions.
1.1. Cc thu t ng c s dng trong bn

iu khon v iu kin ny s c ngha
tng ng nh sau:
1.1 When you use the following words in

these terms and conditions, they shall have
the meanings as respectively set out below:
(a) cc Ti khon ngha l bt k v tt c

cc ti khon vng lai, hot ng hoc cc
ti khon khc ca ti c duy tr ti ngn
hng v Ti khon c ngha l bt k ti
khon no trong s .
(a) Accounts means any and all current,

operational or such other accounts
maintained by me with you and Account
means any of them.
(b) Bng sao k Ti khon lin quan n

bt k Ti khon no, ngha l bng sao k
ti khon do ngn hng pht hnh i vi
Ti khon.
(b) Account Statement in relation to any

Account, means the statement of account
issued by you in respect of the Account.
(c) ATM ngha l my rt tin t ng

hoc my chp nh n th, d l my thuc s
(c) ATM means an automated teller

machine or card operated machine, whether
106
h u ca ngn hng hoc thuc s

h u ca
cc ngn hng hoc t chc ti chnh no
khc m c tham gia vo hoc thuc H
thng ATM Visa Ton cu, H thng
Mastercard hoc cc h thng lin kt ca
h, m ngn hng hin c tha thu n cho
php ti s dng Th ATM Citi/Th Ghi n
Citibank ca mnh ti my .
belonging to you or other participating

banks or financial institutions or to the Visa
Global ATM Network, Mastercard Network
or their affiliated networks, in respect of
which you have a subsisting arrangement to
allow me to use my Citi ATM Card/Citibank
Debit Card at such machine.
(d) Hn mc ATM ngha l hn mc ti a

c ngn hng cho php v thng bo cho
ti ti tng thi im m tng s tin ca
cc Giao dch Rt Tin mt v/hoc cc Giao
dch ng trc Tin mt thc hin hoc
nh n c vo bt k ngy no khng c
vt qu, hoc mt s tin khc do ngn
hng ton quyn quyt nh vo tng thi
im nhm mc ch xc nh Hn mc ATM
ny.
(d) ATM Limit means the maximum limit

permitted by you, and communicated to me
by you from time to time, in respect of
which the total of Cash Withdrawals and/or
Cash Advances made or obtained on any
calendar day must not exceed, or such
other amount as you may at your absolute
discretion from time to time prescribe for
the purpose.
(e) S d Kh dng ca mt Ti khon, l

tng:
(e) Available Balance means, in relation to

any Account, the aggregate of:
(i) s d trong Ti khon m ti c th s

dng c ngay v c th c t do
chuyn khon; v
(i) the balance in such Account in my

favour of immediately available and freely
transferable funds; and
(ii) trng hp ngn hng cp cho ti

hn mc thu chi hoc hn mc tn dng
i vi Ti khon ni trn, hn mc thu
(ii) where you have granted me an

overdraft facility or line of credit in
respect of such Account, the limit of such
107
chi hoc hn mc tn dng do ngn

hng thng bo cho ti tr i tng s tin
m ti phi tr ngn hng i vi hn mc
thu chi hoc hn mc tn dng c cp
.
overdraft facility or line of credit notified

by you to me less the total amount
payable by me to you with respect to such
overdraft facility or line of credit.
(f) Giao dch Rt Tin mt ngha l khon

tin bng bt k loi tin no m ngn hng
cho php rt t bt k Ti khon no trong
s d m ti c th h
ng (cho d c
bng tin mt hay khng) c thc hin
hoc nh n c thng qua hoc lin quan
n bt k Th ATM Citi/Th Ghi n Citibank
no.
(f) Cash Withdrawal means a disbursement

of funds in any currency permitted by you
from any Account out of the balance in my
favour (whether or not in the form of cash)
made or obtained through or in connection
with any Citi ATM Card/Citibank Debit Card.
(g) Giao dch ng trc Tin mt ngha l

khon tin bng bt k loi tin t no m
ngn hng cho php rt t bt k Ti khon
no (cho d c bng tin mt hay khng)
thc hin hoc nh n c thng qua hoc
lin quan n bt k Th ATM Citi/Th Ghi
n Citibank no m khng phi l Giao dch
Rt Tin mt.
(g) Cash Advance means a disbursement

of funds, in any currency permitted by you
from any Account (whether or not in the
form of cash) made or obtained through or
in connection with any Citi ATM
Card/Citibank Debit Card other than any
Cash Withdrawal.
(h) CIN, lin quan n bt k Th ATM

Citi/Th Ghi n Citibank no, ngha l M
Nh n dng Khch hng in trn Th ATM
Citi/Th Ghi n Citibank.
(h)
CIN in relation to any Citi ATM
Card/Citibank Debit Card, means the
Customer Identification Number embossed
on the Citi ATM Card/Citibank Debit Card.
(i) Giao dch Th ATM Citi/Th Ghi n
(i) Citi ATM Card/Citibank Debit Card

108
Citibank ngha l bt k giao dch no c

thc hin di tn, nhn hiu hoc biu
tng VISA bng cch s dng Th ATM
Citi/Th Ghi n Citibank, s CIN v/hoc PIN
ca ti, d ti c bit hoc c thm quyn
hay khng (k c vic thanh ton cho bt k
hng ha, dch v v/hoc li ch no).
Transaction means any transaction

carried out under the VISA name, mark or
logo by using my Citi ATM Card/Citibank
Debit Card, the CIN Number and/or the PIN,
whether with or without my knowledge or
authority (including payment for any goods,
services and/or benefits).
(j) Ti khon Ch nh ngha l Ti khon

c ti ch nh (v ngn hng chp
thu n vic ch nh )
thi im hin ti
thc hin cc Giao dch Th ATM Citi/Th
Ghi n Citibank.
(j) Designated Account means the

Account designated by me (and which
designation you have approved) for the
time being for the purpose of carrying out
Transactions.
(k) S d Duy tr vo bt k thi im no

ngha l tng s tin ngn hng c tnh l
s tin ca bt k v tt c cc Giao dch
Th ATM Citi/Th Ghi n Citibank c thc
hin hoc ngh thc hin trn Th ATM
Citi/Th Ghi n Citibank ca ti, nhng cha
c ghi n t Ti khon Ch nh.
(k) Held Balance at any time means the

total amount estimated by you to be the
amount of any and all Citi ATM
Card/Citibank Debit Card Transactions
effected or proposed to be effected on my
Citi ATM Card/Citibank Debit Card, but
which have not been debited from the
Designated Account.
(l) Mastercard ngha l

International Incorporated.
(l)
Mastercard
means
International Incorporated.
Mastercard
(m) Hn mc Chi tiu Hng thng ngha l
Mastercard
(m) Monthly Spending Limit means the

109
hn mc ti a c ngn hng cho php, v

thng bo cho ti vo tng thi im m Gi
tr Giao dch Hng thng vo bt k thi
im no khng c vt qu Hn mc Chi
tiu Hng thng, hoc s tin khc do ngn
hng ton quyn quyt nh vo tng thi
im nhm mc ch xc nh l Hn mc
Chi tiu Hng thng ny.
maximum limit permitted by you, and

communicated to me by you from time to
time, in respect of which the Monthly
Transaction Amount must not exceed at
any time, or such other amount as you may
at your absolute discretion from time to
time prescribe for the purpose.
(n) Gi tr Giao dch Hng thng vo bt k

ngy no ngha l tng s tin ca tt c cc
Giao dch Th ATM Citi/Th Ghi n Citibank
c thc hin t Ti khon Ch nh k t
ngy u tin ca thng dng lch ca
ngy .
(n) Monthly Transaction Amount on any

day means the total of all the Citi ATM
Card/Citibank Debit Card Transactions
effected with respect to the Designated
Account since the first day of the calendar
month of that day.
(o) S d Thu chi i vi bt k Ti khon

no ngha l s d trong Ti khon m ngn
hng c th h
ng, hoc trong trng
hp ngn hng cp cho ti mt hn mc
thu chi hoc hn mc tn dng, th S d
Thu chi l s d trong Ti khon m ngn
hng c th h
ng tr i hn mc m
ngn hng thng bo cho ti v hn mc
thu chi hoc hn mc tn dng .
(o) Overdrawn Balance in relation to any

Account means the balance in the Account
in your favour, or where you have granted
me an overdraft facility or line of credit in
respect of the Account, the balance in the
Account in your favour less the limit which
you have notified to me of such overdraft
facility or line of credit.
(p) PIN ngha l M Nh n dng C nhn do

ngn hng cp ti c th s dng Th ATM
Citi/Th Ghi n Citibank ca ti ti my ATM.
(p) PIN means the Personal Identification

Number issued by you to allow me to use my
Citi ATM Card/Citibank Debit Card at an ATM.
110
(q) ng Vit Nam ngha l ng tin hp

php ca nc Cng ha X hi Ch ngha
Vit Nam.
(q) Vietnam Dong means the lawful

currency of Vietnam.
(r) VISA ngha l VISA International Service

Association
(r) VISA means VISA International Service

Association.
(s) ngn hng v ca ngn hng ngha l

Citibank N.A, chi nhnh ti Vit Nam ni ti
khon c duy tr.
(s) you, your and yours means the

Citibank N.A. branches in Vietnam where
my Account is maintained.
(t) ti, ca ti, thnh vin th ngha l

ngi c ngn hng pht hnh Th ATM
(t) I, me, my, cardmember means

the person to whom the Citi ATM
Card/Citibank Debit Card is issued.
1.2. Cc thu t ng c nh ngha trong cc

iu khon v iu kin v (cc) Ti khon
ca ti m
ti ngn hng v c s dng
trong vn bn ny s c cng ngha nh
1.2 Terms defined in the terms and

conditions governing my Account(s) with
you and used herein shall bear the same
meanings in these Terms and Conditions.
2. Th ATM Citi/Th Ghi n Citibank
2. The Citi ATM Card/Citibank Debit Card
2.1. Ngn hng c th gi Th ATM Citi/Th

Ghi n Citibank cho ti bng th thng v
ti hon ton chu mi ri ro v vic ny.
Trong chng mc ti a c php lu t hin
hnh cho php, ngn hng khng chu trch
nhim v bt k tn tht hoc thit hi no
m ti c th phi chu nu ti khng nh n
c Th ATM Citi/Th Ghi n Citibank.
2.1 You may send me my Citi ATM Card/

Citibank Debit Card by ordinary post at my
sole risk. To the maximum extent permitted
under applicable laws, you are not liable for
any loss or damage which I may suffer if I
fail to receive the Citi ATM Card/Citibank
Debit Card.
111
2.2. Nu Th ATM Citi/Th Ghi n Citibank

c d p ni vi tn, nhn hiu hoc biu
tng ca VISA, ti phi l p tc k tn ln
Th ATM Citi/Th Ghi n Citibank khi va
nh n c.
2.2 If my Citi ATM Card/Citibank Debit Card

is embossed with the VISA name, mark or
logo, I must immediately sign on that Citi
ATM Card/Citibank Debit Card when I
receive it.
2.3. Khng k bt k quy nh no trong bn

iu khon v iu kin ny, nu ti khng
ng vi bt k quy nh no trong bn
iu khon v iu kin ny, ti khng c
k, gi hoc s dng Th ATM Citi/Th Ghi
n Citibank, v ti phi tr li ngay cho ngn
hng Th ATM Citi/Th Ghi n Citibank
c ct lm i. Ti c cho l chp
nh n v ng vi cc iu khon v iu
kin ny nu ti k, gi hoc s dng Th
ATM Citi/Th Ghi n Citibank.
2.3 Regardless of any provision contained in

these Terms and Conditions, if I do not
agree to any provision in these Terms and
Conditions, I must not sign on, retain or use
the Citi ATM Card/Citibank Debit Card, and
shall return the Citi ATM Card/Citibank
Debit Card cut in halves to you immediately.
I am deemed to have accepted and agreed
to these Terms and Conditions if I sign on,
retain or use the Citi ATM Card/Citibank
Debit Card.
2.4. Th ATM Citi/Th Ghi n Citibank vo

mi thi im vn l ti sn ca ngn hng.
Ti phi ngay l p tc tr li Th ATM
Citi/Th Ghi n Citibank cho ngn hng theo
yu cu m ngn hng c th a ra vo bt
k thi im no theo ton quyn quyt
nh ca ngn hng.
2.4 The Citi ATM Card/Citibank Debit Card

remains your property at all times. I must
immediately return my Citi ATM Card/
Citibank Debit Card to you upon your
request which you may make at any time in
your absolute discretion.
3. Tin ch ca Th ATM Citi/Th Ghi n

Citibank
3. Facilities Available with the Citi ATM

Card/ Citibank Debit Card
112
3.1. Th ATM Citi/Th Ghi n Citibank ca ti

c th c s dng cho cc mc ch sau:
3.1 My Citi ATM Card/Citibank Debit Card

may be used for the following purposes:
(a) thc hin Giao dch Rt Tin mt, v Giao

dch ng trc Tin mt nu ngn hng c
chp thu n trc;
(a) to obtain Cash Withdrawals, and where

you have given your prior approval, Cash
Advances;
(b) nu Th ATM Citi/Th Ghi n Citibank

ca ti c d p ni c in tn, nhn hiu
hoc biu tng ca VISA, v/hoc nu ti
c Th Ghi n vi chc nng thc hin ghi n
ti im bn hng thc hin cc Giao dch
Th ATM Citi/Th Ghi n Citibank trong thi
gian hiu lc c in trn Th ATM Citi/Th
Ghi n Citibank; v/hoc
(b) if my Citi ATM Card/Citibank Debit Card

is embossed with the VISA name, mark or
logo and/or if I have a Debit Card with
pointofsale debit payment functionality,
to carry out Citi ATM Card/Citibank Debit
Card Transactions during the validity period
specified on such Citi ATM Card/Citibank
Debit Card;; and/or
(c) mc ch khc do ngn hng quy nh v

thng bo cho ti vo tng thi im.
(c) such other purpose as may be specified

by you and communicated to me from
time to time.
3.2. Th ATM Citi/Th Ghi n Citibank khng

chuyn nhng c v ch c th c s
dng b
i ngi m ngn hng cp Th
ATM Citi/Th Ghi n Citibank, v c tn in
trn Th ATM Citi/Th Ghi n Citibank.
3.2 The Citi ATM Card/Citibank Debit Card is

not transferable and may only be used by
the person to whom you issue the Citi ATM
Card/Citibank Debit Card and whose name
is embossed on the Citi ATM Card/Citibank
Debit Card.
3.3. Trng hp Th Ghi n ca ti c chc

nng ghi n thanh ton ti cc im bn
3.3 Where my Debit Card has VISA

pointofsale debit payment functionality, I
113
hng ca VISA, ti tha nh n l nu ti chn

s dng cc im thanh ton trong h thng
ca VISA, ti s b rng buc b
i cc quy tc
ca VISA iu chnh cc giao dch bng th
ghi n bao gm nhng khng gii hn
cc
quy tc quyt ton v gii quyt tranh chp.
acknowledge that if I choose to use make

pointofsale debit payment via the VISA
network, I will be bound by the VISA rules
governing debit card transactions including
but not limited to rules governing
chargeback and dispute resolution.
4. S d Duy tr
4. Held Balance
4.1. Ngn hng c th quy nh mt S d

Duy tr thc hin bt k Giao dch Th
ATM Citi/Th Ghi n Citibank no s c
thc hin trn Th ATM Citi/Th Ghi n
Citibank ca ti. Ngn hng c th duy tr
bt k S d Duy tr no trong thi hn m
ngn hng cho l ph hp.
4.1 You may assign a Held Balance for the

purpose of any Citi ATM Card/Citibank
Debit Card Transact ion proposed to be
effected on my Citi ATM Card/Citibank
Debit Card. You may maintain any Held
Balance for such period as you consider
appropriate.
4.2. Ngn hng c ton quyn ghi n S d

Duy tr (hoc bt k phn no trong ) vo
Ti khon Ch nh cho d s tin th
hin cc Giao dch Th ATM Citi/Th Ghi n
Citibank hay khng. Nu ngn hng ghi n
bt k s tin no vo Ti khon Ch nh
nh nu trn v sau ngn hng xc nh
rng s tin (hoc bt k phn no trong
) khng cn phi ghi n, ngn hng s ghi
c tr
li vo Ti khon Ch nh s tin m
trc y ngn hng ghi n m khng c
tin li (v nu ngn hng tnh tin li
4.2 You may at your sole discretion debit

the Designated Account with the amount of
the Held Balance (or any part thereof)
whether or not such amount represents Citi
ATM Card/Citibank Debit Card Transactions.
If you debit any amount to the Designated
Account as aforesaid and you subsequently
determine that such amount (or any part
thereof) ought not be so debited, you will
recredit the Designated Account with the
appropriate sum free of any interest (and if
you have charged me any interest in
114
trn s tin , ngn hng bng ton quyn

quyt nh ca mnh c th t b s tin li ).
respect of such sum, you may at your

absolute discretion waive such interest).
4.3. Khng c quy nh no trong bn iu

khon v iu kin ny hn ch quyn ca
ngn hng c ghi n vo Ti khon Ch
nh hoc bt k Ti khon no khc s tin
ca bt k giao dch no (k c bt k khon
tin li, l ph, ph, chi ph v ph tn no) bt
k s tin bng vi s tin ca S d Duy
tr hay khng.
4.3 Nothing in these Terms and Conditions

shall limit your right to debit the Designated
Account or any other Account with the
amount of any transaction (including any
interests, charges, fees, costs and
expenses) regardless of whether such
amount is equal to the amount of the Held
Balance.
5. Gii hn Giao dch
5. Transaction Limits
5.1. Ti khng c s dng hoc tm cch

s dng Th ATM Citi/Th Ghi n Citibank
ca ti thc hin bt k Giao dch Th
ATM Citi/Th Ghi n Citibank no hoc thc
hin Giao dch Rt Tin mt hoc Giao dch
ng trc Tin mt no nu:
5.1 I must not use or attempt to use my Citi

ATM Card/Citibank Debit Card to effect any
Transaction or obtain any Cash Withdrawal
or Cash Advance if:
(a) gi tr ca Giao dch Th ATM Citi/Th

Ghi n Citibank, Giao dch Rt Tin mt hoc
Giao dch ng trc Tin mt vt qu S
d Kh dng trong Ti khon c lin quan;
hoc
(a) the amount of the Citi ATM Card/

Citibank Debit Card Transaction, Cash
Withdrawal or Cash Advance exceeds the
Available Balance in the relevant Account;
or
(b) Hn mc ATM b vt qu nu Giao dch

Rt Tin mt hoc Giao dch ng trc Tin
mt c thc hin; hoc
(b) the ATM Limit would be exceeded if the

Cash Withdrawal or Cash Advance is
effected; or
115
(c) Gi tr Giao dch Hng thng vt qu

Hn mc Chi tiu Hng thng nu Giao dch
Th ATM Citi/Th Ghi n Citibank c thc
hin.
(c) the Monthly Transaction Amount would

exceed the Monthly Spending Limit if the
Transaction is effected.
5.2. Nu v bt k l do g m trong bt k

Ti khon no c S d Thu chi, d l do
bt k Giao dch Th ATM Citi/Th Ghi n
Citibank, Giao dch Rt Tin mt v/hoc
Giao dch ng trc Tin mt no v d l c
chp thu n ca ngn hng hay khng, ti
phi ngay l p tc thanh ton cho ngn hng
S d Thu chi theo cch thc do ngn
hng ton quyn quyt nh v ngn hng
c th thng bo quyt nh ny ca mnh
cho ti bng bt k phng tin no m
ngn hng cho l ph hp.
5.2 If for any reason there is an Overdrawn

Balance in any Account, whether as a result
of any Citi ATM Card/Citibank Debit Card
Transaction, Cash Withdrawal and/or Cash
Advance and whether with or without your
consent, I must immediately pay you the
amount of the Overdrawn Balance in such
manner as you may in your absolute
discretion direct and you may communicate
this direction to me by any means you deem
fit.
6. Chuyn i Tin t
6. Currency Conversion
6.1. Nu bt k Giao dch Rt Tin mt, Giao

dch Th ATM Citi/Th ghi n Citibank hoc
Giao dch ng trc Tin mt no c tnh
bng loi tin khng phi l ng Vit Nam,
th ngn hng s chuyn i loi tin
thnh ng Vit Nam ti thi im v theo
t gi hi oi do ngn hng ton quyn
quyt nh p dng ph hp vi thng l ca
ngn hng v quy nh php lu t Vit Nam
6.1 If any Cash Withdrawal, Citi ATM

Card/Citibank Debit Card Transaction or
Cash Advance is denominated in a currency
other than Vietnam Dong, you will convert it
to Vietnam Dong at such time and rate of
exchange as you may in your absolute
discretion adopt in accordance with your
usual practice and with Vietnamese
regulations on mandatory margin of
116
v bin t gi hi oi bt buc trc khi

ngn hng ghi n s tin ca Giao dch Rt
Tin mt, Giao dch Th Citi/Th ghi n
Citibank hoc Giao dch ng trc Tin mt
vo Ti khon c lin quan. Ti ng
rng bt k Giao dch Rt tin mt, Giao dch
ng trc Tin mt hoc Giao dch Th ATM
Citi/Th ghi n Citibank no ti Vit Nam s
c thc hin bng ng Vit Nam tr khi
ngn hng theo ton quyn quyt nh ca
mnh ng rng Giao dch Rt Tin mt,
Giao dch ng trc Tin mt hoc Giao dch
Th ATM Citi/Th Ghi n Citibank c php
thc hin bng ngoi t theo cc quy nh
ca php lu t Vit Nam.
exchange rate, before you debit it to the

relevant Account. I agree that any Cash
Withdrawal, Cash Advance or Citi ATM
Card/Citibank Debit Card Transaction in
Vietnam shall be effected in Vietnam Dong
unless you are satisfied, in your absolute
discretion, that such Cash Withdrawal, Cash
Advance or Citi ATM Card/Citibank Debit
Card Transaction is permitted under
Vietnamese law and regulations to be made
in a foreign currency.
6.2. Ngn hng s ghi c vo bt k Ti

khon no s tin tng ng vi bt k
khon hon li no lin quan n bt k
no hoc bt k khon thanh ton hoc tn
dng no khc n hn phi thanh ton cho
ti vo thi im do ngn hng quyt nh
ph hp vi thng l ca ngn hng sau khi
ngn hng nh n c khon hon li, thanh
ton hoc tn dng ti Vit Nam. Nu
ngn hng nh n c khon hon li, thanh
ton hoc tn dng bng loi tin khng
6.2 You will credit any Account with any

refund in respect of any Citi ATM
Card/Citibank Debit Card Transaction or
any payment or other credit due to me at
such time as you may determine in
accordance with your usual practice after
your receipt of the amount of such refund,
payment or credit in Vietnam. If such
refund, payment or credit is received in a
currency other than Vietnam Dong, you will
convert it to Vietnam Dong at such time and
rate of exchange as you may in your
117
phi l ng Vit Nam, th ngn hng s

chuyn i cc khon thnh ng Vit
Nam ti thi im v theo t gi hi oi m
ngn hng c th p dng theo ton quyn
quyt nh ca mnh ph hp vi thng l
ca ngn hng v quy nh php lu t Vit
Nam v bin t gi hi oi bt buc. Ti
phi chu mi ri ro hi oi, tn tht, ph
hoa hng, ph v l ph c th pht sinh do
vic chuyn i ngoi t .
absolute discretion adopt in accordance

with your usual practice and with
Vietnamese regulations on mandatory
margin of exchange rate. I must bear all
exchange risks, losses, commission, fees
and charges which may thereby arise.
6.3. Bt k Giao dch Rt Tin mt, Giao dch

Th ATM Citi/Th Ghi n Citibank v/hoc
Giao dch ng trc Tin mt no c thc
hin bng Th ATM Citi/Th Ghi n Citibank
bn ngoi lnh th Vit Nam s to thnh
khon thanh ton m ngn hng phi thc
hin cho ti v ngn hng phi chuyn
khon tin thanh ton n quc gia ni
Giao dch Rt Tin mt, Giao dch Th ATM
Citi/Th Ghi n Citibank v/hoc Giao dch
ng trc Tin mt c thc hin, theo t
gi hi oi m ngn hng cho l ph hp
ty tng thi im. Quyn ca ti i vi
vic thc hin bt k Giao dch Rt Tin mt,
v/hoc Giao dch ng trc Tin mt no
6.3 Any Cash Withdrawal, Citi ATM

Card/Citibank Debit Card Transaction
and/or Cash Advance made with the Citi
ATM Card/Citibank Debit Card outside
Vietnam constitute a payment by you to me
and a remittance to the country where the
Cash Withdrawal, Citi ATM Card/Citibank
Debit Card Transaction and/or Cash
Advance is effected, at such rate of
exchange as you may from time to time
deem fit. My right to effect any Cash
Withdrawal, Citi ATM Card/Citibank Debit
Card Transaction and/or Cash Advance
outside Vietnam is subject to the laws and
regulations of Vietnam and that of the
country in which the Cash Withdrawal, Citi
118
bn ngoi Vit Nam phi tun th lu t v

quy nh ca Vit Nam v lu t v quy nh
ca quc gia ni Giao dch Rt Tin mt,
v/hoc Giao dch ng trc Tin mt c
thc hin hoc s c thc hin (bao gm
nhng khng gii hn, bt k bin php kim
sot, quy nh hoc hn ch no v ngoi
hi c p dng ti quc gia ). Trong bt
k trng hp no, ti s bi hon y
cho ngn hng mi ri ro v ngoi hi, mi
tn tht, l ph v ph thng tin lin lc cng
nh cc loi l ph v ph khc c th pht
sinh.
ATM Card/Citibank Debit Card Transaction

and/or Cash Advance is effected or
proposed to be effected (including without
limitation,
any
exchange
controls,
regulations or limitations prevailing in such
country). In any event, I shall fully indemnify
you for all exchange risks, losses,
communications and other fees and
charges which may thereby be incurred.
7. Tin li, L ph v Ph
7. Interests, Charges and Fees
7.1. Bn cnh cc khon tin li m ngn

hng c th n nh lin quan n (cc) Ti
khon ca ti, ti ng thanh ton cc
khon tin li khc theo mc li sut v vi
s tin v trn c s
m ngn hng c th
quy nh ty tng thi im theo ton
quyn quyt nh ca ngn hng m khng
cn thng bo cho ti lin quan n vic
pht hnh v/hoc s dng Th ATM
Citi/Th Ghi n Citibank ca ti.
7.1 In addition to the interests which you

may levy in connection with my Account(s),
I agree to pay such other interests at such
rates and amounts and on such basis as you
may at your sole discretion prescribe from
time to time without notice to me in
connection with the issuance and/or use of
my Citi ATM Card/Citibank Debit Card.
7.2. Bn cnh cc khon ph v l ph m
7.2 In addition to the charges and fees

119
ngn hng c th n nh lin quan n

(cc) Ti khon ca ti, ti ng thanh
ton cc khon ph v l ph theo mc do
ngn hng thng bo ti tng thi im.
which you may levy in connection with my

Account(s), I agree to pay such other
charges and fees at such rates as notified
by you from time to time.
7.3. Ton b cc khon ph c c p ti

iu kin 7.2 s khng c hon li trong
bt k trng hp no. Ngn hng c th ghi
n ton b cc khon ph, l ph, thu v cc
khon tin khc m ti phi thanh ton lin
quan n bn iu khon v iu kin ny
vo Ti khon ca ti.
7.3 All fees referred to in Condition 7.2 shall

not in any event be refundable. You may
debit the amount of all fees, charges, taxes
and other amounts payable by me in
connection with these Terms and
Conditions to such Account.
8. S PIN
8. PIN
8.1. Ngn hng c th, theo ton quyn

quyt nh ca mnh, cp cho ti s PIN v
s PIN c th c gi cho ti theo
ng bu in khng c bo m v ti s
t chu mi ri ro pht sinh t vic g
i s PIN
qua c bu in khng c bo m.

issue a PIN to me and the PIN may be sent
to me by ordinary post at my sole risk.
8.2. Ti khng c tit l s PIN v phi

cn trng ngn nga s PIN b tit l cho
bt k ngi no khc.
8.2 I must not disclose the PIN and must

take all care to prevent the PIN from being
disclosed to any other person.
8.3. Ti chu trch nhim i vi ton b cc

Giao dch Rt Tin mt, Giao dch ng trc
Tin mt v cc Giao dch Th ATM Citi/Th
Ghi n Citibank c thc hin thng qua
8.3 I am liable for all Cash Withdrawals,

Cash Advances and Citi ATM Card/Citibank
Debit Card Transactions effected by the use
of the PIN whether with or without my
120
vic s dng s PIN d ti c bit hoc cho

php cc giao dch hay khng.
knowledge or authority.
8.4. Ngn hng c ton quyn thay i hoc

chm dt vic s dng s PIN ca ti vo
bt k thi im no m khng cn a ra
cho ti bt k l do hoc thng bo trc
no.
8.4 You are entitled at your absolute

discretion to change or terminate my use of
the PIN at any time without giving me any
reason or prior notice.
9. Mt/nh c p/Tit l
9. Loss/Theft/Disclosure
9.1. Ti phi gi Th ATM Citi/Th Ghi n

Citibank ca ti ti ni an ton v bo m.
Ti phi bo m rng s PIN v/hoc s
CIN khng b tit l cho bt c bn th ba
no v m bo s PIN khng c gi vi
th ATM Citi/Th Ghi n Citibank. ng thi
ti phi thc hin tt c cc bin php v
phng nga ngn chn bt k vic gi
mo, la o, mt, hoc nh cp i vi
hoc lin quan n Th ATM Citi/Th Ghi n
Citibank, s PIN, v s CIN ca ti.
9.1 I must keep my Citi ATM Card/Citibank

Debit Card in a safe and secure place. I must
ensure that my PIN and/or my CIN are not
disclosed to any third party and ensure that
my PIN is not kept with my Citi ATM
Card/Citibank Debit Card. I must take all
steps and precaution to prevent any
forgery, fraud, loss or theft in respect of or
in relation to my Citi ATM Card/Citibank
Debit Card, PIN, and CIN.
9.2. Nu Th ATM Citi/Th Ghi n Citibank

ca ti b mt, nh cp hoc s dng b
i
bt k ngi no khc hoc s CIN hoc s
PIN ca ti b tit l cho bt k ngi no
khc, ti phi:
9.2 If my Citi ATM Card/Citibank Debit Card

is lost, stolen or used by any other person
or my CIN or my PIN is disclosed to any
other person, I must:
(a) ngay l p tc thng bo cho ngn hng;
(a) immediately notify you;

121
(b) gi cho ngn hng xc nhn bng vn

bn v vic mt, nh cp hoc tit l thng
tin trong vng 3 ngy sau khi ti gi thng
bo cho ngn hng; v
(b) send you written confirmation of such

loss, theft or disclosure within 3 days after I
have given you notice; and
Ngn hng s xc nhn x l thng tin v

vic mt th trong vng mi Ngy Lm
vic k t ngy nhn c thng bo.
You will confirm the processing of the

information on the loss that you have
received from me within ten Business Days
from the date of receipt.
9.3. Ti chu trch nhim v ton b cc

Giao dch Rt Tin mt, Giao dch
ng tr c
Tin mt v cc Giao dch Th ATM Citi/Th
Ghi n Citibank c thc hin thng qua
vic s dng Th ATM Citi/Th Ghi n
Citibank, s PIN v/hoc s CIN ca ti, d
cc giao dch c c ti cho php thc
hin hay khng v d tr c hoc sau khi Th
ATM Citi/Th Ghi n Citibank ca ti b mt
hoc b nh cp hoc s PIN hoc s CIN
ca ti b tit l. Tuy nhin, nu ngn hng
chp nhn rng vic mt, nh cp hoc tit
l thng tin khng phi do bt cn hoc
do vi phm ca ti v rng ti hon ton
tun th cc iu kin 9.1 v 9.2, ngn hng
c th ng , theo ton quyn quyt nh
ca ngn hng, t b hon ton hoc gi i
hn s tin thit hi theo quyt nh ca
ngn hng ty t ng thi im, t b hon
9.3 I am liable for all Cash Withdrawals,

Cash Advances and Citi ATM Card/Citibank
Debit Card Transactions effected through
the use of my Citi ATM Card/Citibank Debit
Card, PIN and/or CIN, whether authorized
by me or not and whether before or
following any loss or theft of my Citi ATM
Card/Citibank Debit Card or disclosure of
my PIN or CIN. However, if you are satisfied
that such loss, theft or disclosure is not due
to my negligence or default and that I have
fully complied with such Conditions 9.1 and
9.2 you may agree at your absolute
discretion to waive entirely or limit such
amount determined by you from time to
time, my liability for all unauthorized Citi
ATM Card/Citibank Debit Card Transactions
made after your receipt of my notification
to you under Condition 9.2, provided that
122
ton hoc gi i hn trch nhim ca ti v

tt c cc Giao dch Th ATM Citi/Th Ghi n
Citibank tri php c thc hin sau khi
ngn hng nhn c thng bo ca ti gi
n ngn hng theo iu kin 9.2, v i iu
kin l vic t b hoc gi i hn s khng
p dng i v i cc Giao dch Rt Tin mt
v/hoc Giao dch
ng tr c Tin mt.
such waiver or limitation shall not apply to

Cash Withdrawals and/or Cash Advances.
9.4. Ngn hng s c quyn xem bt k

yu cu no ca ti qua th t , in thoi,
fax, internet hoc cc phng tin thng tin
lin lc khc n bt k bn bn hng no
i v i vic cung cp hng ha v/hoc dch
v c tnh vo Ti khon Ch nh, d l do
ti thc hin hoc ti cho php ngi khc
thc hin v d cc giy bo thanh ton
hoc phiu thu, bin nhn, ha n hoc bt
k chng t no khc c c ti k hay
khng, l Giao dch Th ATM Citi/Th Ghi n
Citibank hp l v ngn hng c th ghi n
s tin ca Giao dch Th ATM Citi/Th Ghi
n Citibank vo Ti khon Ch nh.
9.4 You shall be entitled to treat any

request via mail, telephone, facsimile,
internet or other means of communication
to any merchant for the supply of goods
and/or services to be charged to the
Designated Account, whether made or
authorized by me and whether a sales draft
or voucher, receipt, charge slip or any other
document is signed by me, or otherwise, as
a valid Citi ATM Card/Citibank Debit Card
Transaction and you may debit the
Designated Account with the amount of
such Citi ATM Card/Citibank Debit Card
Transaction.
9.5. Ngn hng c th, theo ton quyn

quyt nh ca mnh, pht hnh cho ti Th
ATM Citi/Th Ghi n Citibank thay th hoc
cp cho ti s PIN m i theo cc iu khon
v iu kin m ngn hng cho l ph hp.
9.5 You may, in your absolute discretion,

issue me a replacement Citi ATM
Card/Citibank Debit Card or a new PIN upon
such Terms and Conditions as you may
deem fit.
123
10. Chm dt S dng Th ATM Citi/Th Ghi

n Citibank
10. Termination of the Use of the Citi ATM

Card/Citibank Debit Card
10.1. Vic s dng Th ATM Citi/Th Ghi n

Citibank ca ti s ngay lp tc b chm dt
nu tt c cc Ti khon b ng ph hp v i
Lut hoc Quy nh php lut hoc v bt k
l do no.
10.1 The use of my Citi ATM Card/Citibank

Debit Card shall be immediately terminated
if all Accounts are closed for complying with
Law or Regulation or for any reason
whatsoever.
10.2. Th ATM Citi/Th Ghi n Citibank ca

ti c th khng c s dng thc hin
bt k Giao dch Th ATM Citi/Th Ghi n
Citibank no khi Ti khon Ch nh b ng,
ngay c khi (cc) Ti khon khc ca ti vn
cn hot ng.
10.2 My Citi ATM Card/Citibank Debit Card

may not be used to effect any Citi ATM
Card/Citibank Debit Card Transaction once
the Designated Account is closed, even if
my other Account(s) remain in force.
10.3. Vo bt k thi im no, Ngn hng

c ton quyn chm dt hoc tm ng ng
vic s dng Th ATM Citi/Th Ghi n
Citibank ca ti hoc chm dt hoc tm
ng ng quyn s dng Th ATM Citi/Th Ghi
n Citibank ca ti thc hin cc Giao
dch Th ATM Citi/Th Ghi n Citibank, cc
Giao dch
ng tr c Tin mt v/hoc Giao
dch Rt Tin mt nu ti vi phm bn iu
khon v iu kin ny m ngn hng
khng cn phi a ra bt k l do g cng
nh khng phi chu bt k trch nhim g.
10.3 You may in your absolute discretion, at

any time and without giving reason or
incurring liability, terminate or suspend the
use of my Citi ATM Card/Citibank Debit
Card or my right to use the Citi ATM
Card/Citibank Debit Card to effect Citi ATM
Card/Citibank Debit Card Transactions,
Cash Advances and/or Cash Withdrawals if I
am in default of these Terms and
Conditions.
124
10.4. Nu vic s dng Th ATM Citi/Th Ghi

n Citibank ca ti b chm dt v bt k l
do g, ti phi tr li cho ngn hng Th ATM
Citi/Th Ghi n Citibank c ct lm i.
10.4 If the use of my Citi ATM Card/ Citibank

Debit Card is terminated for any reason
whatsoever, I must return to you the Citi
ATM Card/Citibank Debit Card cut in halves.
10.5. Cc quyn v bin php ca ngn hng

c quy nh trong bn iu khon v iu
kin ny s khng b chm dt, b nh hng
hoc tn hi bi vic ti b ph sn (nu
c p dng), mt tr, cht hoc khng
t cch tr c php lut, v ti hoc i din
ca ti phi ngay lp tc tr li cho ngn
hng Th ATM Citi/Th Ghi n Citibank c
ct lm i.
10.5 Your rights and remedies under these

Terms and Conditions shall not be
determined, affected or prejudiced by my
bankruptcy (if applicable), insanity, death or
other legal disability, and I or my
representative
shall
be
bound
to
immediately return to you the Citi ATM
Card/Citibank Debit Card cut in halves.
10.6. Cc ngha v v trch nhim ca ti

theo bn iu khon v iu kin ny s
c duy tr d vic s dng Th ATM
Citi/Th Ghi n Citibank ca ti b chm dt
v bt k l do no. Ngoi ra, d bt k hoc
ton b cc Ti khon b ng, ti vn phi
c trch nhim thanh ton bt k v ton b
s tin t cc Giao dch Rt Tin mt, Giao
dch
ng tr c Tin mt v/hoc cc Giao
dch Th ATM Citi/Th Ghi n Citibank c
thc hin thng qua vic s dng Th ATM
Citi/Th Ghi n Citibank ca ti (bao gm
ton b cc khon ph, li v l ph lin quan
n cc Giao dch Th ATM Citi/Th Ghi n
10.6 My obligations and liabilities under

these Terms and Conditions will continue
notwithstanding any termination of the use
of my Citi ATM Card/Citibank Debit Card for
any reason. In addition, notwithstanding the
closure of any or all of the Accounts, I shall
remain liable for the amount of any and all
Cash Withdrawals, Cash Advances and/or
Transactions effected through the use of
my Citi ATM Card/Citibank Debit Card
(including all fees, interests and charges
relating to such Citi ATM Card/Citibank
Debit Card Transactions, Cash Withdrawals
125
Citibank, cc Giao dch Rt Tin mt

v/hoc Giao dch
ng tr c Tin mt )
cho d cc Giao dch Rt Tin mt, Giao dch
ng tr c Tin mt v/hoc cc Giao dch

Th ATM Citi/Th Ghi n Citibank c
c ghi n vo (cc) Ti khon tr c khi b
ng hay khng v cc quy nh ca bn
iu khon v iu kin ny s c p
dng i v i ton b cc Giao dch Rt Tin
mt, Giao dch
ng tr c Tin mt v cc
.
and/or Cash Advances) whether or not such

Cash Withdrawals, Cash Advances and/or
Transactions were debited from the
Account(s) prior to closure and the
provisions of these Terms and Conditions
shall apply in respect of all such Cash
Withdrawals, Cash Advances and Citi ATM
Card/Citibank Debit Card Transactions.
11. Quyn quyt nh ca Citibank
11. Citibanks Discretion
11.1. Khng nh hng n bt k quyn v

bin php no ca ngn hng, vo bt k
thi im no theo ton quyn quyt nh
ca ngn hng v khng cn a ra bt k l
do hoc thng bo no, ngn hng c
quyn, t chi bt k:
11.1 Without prejudice to any of your rights

and remedies, you are entitled, at any time
in your absolute discretion and without
giving any reason or notice, to refuse to
approve any proposed:
(a) Giao dch Rt Tin mt v/hoc Giao

dch
ng tr c Tin mt c ngh d s
tin ca Giao dch Rt Tin mt v/hoc
Giao dch
ng tr c Tin mt c ngh
khng vt qu S d Kh dng, hoc
Hn mc ATM khng b vt qu nu Giao
dch Rt Tin mt v/hoc Giao dch
ng
(a) Cash Withdrawal and/or Cash Advance

notwithstanding that the amount of the
proposed Cash Withdrawal and/or Cash
Advance does not exceed the Available
Balance or the ATM Limit would not be
exceeded if such Cash Withdrawal and/or
Cash Advance is effected; and/or
126
tr c Tin mt c thc hin; v/hoc

(b) Giao dch Th ATM Citi/Th Ghi n
Citibank no d s tin ca cc Giao dch
Th ATM Citi/Th Ghi n Citibank c
ngh khng vt qu S d Kh dng
trong Ti khon Ch nh hoc Gi tr Giao
dch Hng thng khng vt qu Hn mc
Chi tiu Hng thng nu Giao dch Th ATM
Citi/Th Ghi n Citibank c thc hin.
(b) Citi ATM Card/Citibank Debit Card

Transaction notwithstanding that the
amount of the proposed Citi ATM
Card/Citibank Debit Card Transactions does
not exceed the Available Balance in the
Designated Account or the Monthly
Transaction Amount would not exceed the
Monthly Spending Limit is such Citi ATM
Card/Citibank Debit Card Transaction is
effected.
11.2. Khng nh hng n v d c cc quy

nh khc ca bn iu khon v iu kin
ny, ngn hng c th cho php hoc chp
thun bt k Giao dch Th ATM Citi/Th Ghi
n Citibank, Giao dch Rt Tin mt v/hoc
Giao dch
ng tr c Tin mt no, ngay c
khi:
11.2 Without prejudice and notwithstanding

the other provisions of these Terms and
Conditions, you may allow or approve any
Transaction, Cash Withdrawal and/or Cash
Advance, even if:
(a) s tin ca Giao dch Rt Tin mt, Giao

dch
ng tr c Tin mt v/hoc Giao dch
Th ATM Citi/Th Ghi n Citibank vt
qu S d Kh dng trong Ti khon c lin
quan; v/hoc
(a) the amount of the Cash Withdrawal,

Cash Advance and/or Citi ATM Card/
Citibank Debit Card Transaction exceeds
the Available Balance in the
relevant
Account; and/or
(b) Hn mc Chi tiu Hng thng b vt

qu, ty t ng trng hp, v ngn hng c
(b) the Monthly Spending Limit would be

exceeded, as the case may be, and you may
127
th ghi n vo Ti khon Ch nh (hoc bt

k Ti khon no khc) bt k khon tin
no m ti n hn phi thanh ton cho
ngn hng (d lin quan n bt k Giao
dch Rt Tin mt, Giao dch
ng tr c Tin
mt v/hoc Giao dch Th ATM Citi/Th
Ghi n Citibank, li, ph, l ph hoc khon
chi ph no khc) ngay c khi vic ghi n
lm pht sinh S d Thu chi trong bt k
Ti khon no.
debit the Designated Account (or any other

Account) with any amount due from me to
you (whether in respect of any Cash
Withdrawal, Cash Advance and/or Citi ATM
Card/Citibank Debit Card Transaction,
interest, fee, charge or otherwise) even if
an Overdrawn Balance would result in any
Account from such debiting.
V i iu kin l S d Thu chi phi nm

trong bt k gi i hn cho vay no p dng
i v i ti theo cc quy nh ca php lut
hin hnh v nu trong bt k trng hp
no khi m S d Thu chi vt qua gi i hn
cho vay , ti s hon tr t nht l mt s
tin ti thiu do ngn hng quy nh ngay
khi c yu cu ca ngn hng khi phc
li gi i hn cho vay ni trn theo quy nh
ca php lut.
Provided that the Overdrawn Balance must

be within any lending limits applicable to me
in accordance with applicable law, and if at
any time, the Overdrawn Balance exceeds
any such lending limits, I shall immediately
upon demand by you, repay at least such
minimum amount prescribed by you in
order to restore compliance to such limits.
11.3. Khng nh hng n v d c cc quy

nh khc trong bn iu khon v iu kin
ny, vo bt k thi im no theo ton quyn
quyt nh ca ngn hng v ngn hng khng
cn a ra cho ti bt k thng bo hoc a
ra bt k l do no, ngn hng c quyn:
11.3 Notwithstanding and without prejudice

to the other provisions of these Terms and
Conditions, you are entitled at any time in
your absolute discretion without giving me
any notice or reason, to:
128
(a) nh ch ton b quyn s dng Th ATM

Citi/Th Ghi n Citibank ca ti hoc ch
nh ch cc hn mc tn dng c th
c cp; nu ti khng tun th cc iu
kin v iu khon ny.
(a) suspend my right to use the Citi ATM

Card/Citibank Debit Card entirely or in
respect of specified facilities if I am in
default of these Terms and Conditions;
(b) tng hoc gim Hn mc ATM v/hoc

Hn mc Chi tiu Hng thng;
(b) increase or decrease the ATM Limit

and/or the Monthly Spending Limit;
(c) t chi cp li, gia hn hoc thay th bt
k Th ATM Citi/Th Ghi n Citibank no;
v/hoc
(c) refuse to reissue, renew or replace any

Citi ATM Card/Citibank Debit Card; and/or
(d) Trong ch ng mc ti a c php lut

Vit Nam cho php, a ra, sa i, thay i,
hn ch, nh ch, chm dt hoc thu hi
ton b hoc bt k li ch, dch v, hn mc
tn dng v c quyn no i v i hoc lin
quan n Th ATM Citi/Th Ghi n Citibank
ca ti v/hoc vic ti s dng Th ATM
Citi/Th Ghi n Citibank, d c lin quan c
th n ti hoc c lin quan chung n tt
c cc thnh vin th hoc cc thnh vin
th c th no.
(d) to the maximum extent permitted under

Vietnamese laws, introduce, amend, vary,
restrict, suspend, terminate or withdraw all
or any of the benefits, services, facilities
and privileges in respect of or in connection
with my Citi ATM Card/Citibank Debit Card
and/or the use of my Citi ATM Card/Debit
Card, whether specifically relating to me or
generally to all or specific card members.
11.4. Trong trng hp ti c cp Th ATM

Citi/Th Ghi n Citibank, s CIN c th trng
hoc khng trng v i s ca bt k Ti
khon no. Ngoi ra, theo yu cu ca ti,
hoc vo bt k thi im no m ngn
11.4 Where I am issued with a Citi ATM

Card/Citibank Debit Card, the CIN may or
may not coincide with the number of any
Account. In addition, you may at my request
or at any time without incurring any liability
129
hng khng phi chu bt k trch nhim

no cng nh khng phi a ra bt k l do
no, v sau khi gi thng bo cho ti, ngn
hng c th thay i s CIN ca ti v pht
hnh Th ATM Citi/Th Ghi n Citibank thay
th, ng thi ngn hng c th, trong
trng hp Th ATM Citi/Th Ghi n
Citibank c in tn, nhn hiu hoc biu
tng VISA, tip tc ghi n ton b cc Giao
dch Th ATM Citi/Th Ghi n Citibank c
thc hin bng Th ATM Citi/Th Ghi n
Citibank m i ca ti vo Ti khon Ch nh.
Ngn hng cng c th tip tc ghi n ton
b cc Giao dch
ng tr c Tin mt
v/hoc Giao dch Rt Tin mt c thc
hin bng Th ATM Citi/Th Ghi n Citibank
m i ca ti vo Ti khon c lin quan.
Trong trng hp ngn hng gi cho ti
thng bo trn, ti phi ngay lp tc tr li
cho ngn hng Th ATM Citi/Th Ghi n
Citibank ca ti c ct lm i. Ngoi
ra, trong trng hp mt ti khon khc do
ti duy tr ti ngn hng c ch nh l
Ti khon Ch nh cho vic s dng Th
ATM Citi/Th Ghi n Citibank ca ti thay
cho Ti khon Ch nh khi c chp thun
ca ngn hng, th ti khon s c xem
l Ti khon Ch nh v mc ch ca bn
or giving any reason, and upon giving me

notice, change my CIN and issue a
replacement Citi ATM Card/ Debit Card, and
you may, in the case of a Citi ATM Card/
Debit Card embossed with the VISA name,
mark or logo, continue to debit all Citi ATM
Card/ Debit Card Transactions on my new
Citi ATM Card/ Debit Card to the Designated
Account. You may also continue to debit all
Cash Advances and/or Cash Withdrawals on
my new Citi ATM Card/ Debit Card to the
relevant Account. If you have given me such
notice, I must immediately return to you my
Citi ATM Card/ Debit Card cut in halves. In
addition, in the event that another account
maintained by me with you is designated
with your consent as the Designated
Account for the use of my Citi ATM Card/
Debit Card in place of the Designated
Account, such account shall be regarded as
the Designated Account for the purpose of
these Terms and Conditions with effect
from such date as you may notify me.
130
iu khon v iu kin ny, c hiu lc t

ngy m ngn hng thng bo cho ti.
12. Tit l Thng tin
12.Disclosure of Information
12.1. Ti cho php ngn hng chuyn v tit

l bt k thng tin no lin quan n ti
hoc lin quan n Tha thun ny v bt
k (cc) Ti khon no ca ti hoc cc sn
phm v dch v m ngn hng c c t
ti v ngn hng c c t cc bn th ba
nh cc c quan tn dng, c quan phng
chng gian ln v Nhm cng ty, cho v gia
cc chi nhnh, cng ty con, vn phng i
din, cng ty lin kt v i din ca
Citibank (hoc bt k T chc Citigroup
hoc Nhm Cng ty no) v cc bn th ba
do bt k chi nhnh, cng ty con, vn phng
i din, cng ty lin kt v i din no ca
Citibank hoc ngn hng la chn, c tr s
ti bt k ni no, s dng v i tnh cht
bo mt (bao gm nhng khng gi i hn
vic s dng cho vic cung cp bt k Sn
phm hoc Dch v no cho ti cng nh
nhm mc ch thc hin cc quy trnh hot
ng ca ngn hng, x l d liu, thng k
v phn tch ri ro, dch v tin mt ton cu
v v cho mc ch lm vic v i bt k c
quan chc nng v t chc no c lin quan
12.1 I authorize your transfer and disclosure

of any information relating to me or in
connection with this Agreement and any of
my Account(s) or products and service you
take from me and which you obtain from
third parties such as credit reference
agencies, fraud prevention agencies and
Group Companies, to and between the
branches,
subsidiaries,
representative
offices, affiliates and agents of Citibank (or
Citigroup
Organization
or
Group
Companies) and third parties selected by
any of them or you, wherever situated, for
confidential
use
(including,
without
limitation, for use in connection with the
provision of any Products and Services to
me and for operational processes, data
processing, statistical and risk analysis
purposes, global cash services and dealings
with any relevant authorities and agencies
pertaining thereto). You and any of your
Group Companies/Citibanks branches,
subsidiaries,
representative
offices,
affiliates, agents or third parties selected by
131
n vic s dng thng tin ). Ngn hng

v bt k chi nhnh, cng ty con, vn phng
i din, cng ty lin kt, i din ca
Citibank/ Nhm Cng ty ca ngn hng
hoc cc bn th ba do bt k chi nhnh,
cng ty con, vn phng i din, cng ty lin
kt v i din no ca Citibank hoc ngn
hng la chn, s c quyn chuyn v tit
l bt k thng tin no theo yu cu ca
Lut hoc Quy nh php lut hin hnh, ta
n, c quan php lut hoc th tc php l
hoc bt k c quan c thm quyn no.
any of them or you, shall be entitled to

transfer and disclose any information as
may be required or requested by applicable
Law or Regulation, court, regulator or legal
process or by any competent Authority.
Thng tin c th c tit l cho cc t chc

khc (c th ngoi Vit Nam) trn nguyn
tc bo mt bao gm nhng khng gi i hn
:
Other organisations (that may be outside

Vietnam) to whom information may be
disclosed on a confidential basis include but
not limitation to:
Cc c quan qun l hoc C quan c thm

quyn trong phm vi php lut Vit Nam
cho php;
regulatory agencies or Authorities to the

extent permitted by Vietnamese law;
n v bu chnh- in bn sao k v cc
dch v th tn khc;
mail houses- for Statement production

and other mail related services;
Dch v in n th nha- lm th;
plastic card services for Card embossing;
B phn vn phng- nhp d liu;
clerical services for data entry;
Nghin cu th trng- lp k hoch v

pht trin sn phm;
market research for product development

and planning;
132
B phn qun l- qun l Ti khon v

x l s liu;
administration services for Account

management and data processing;
B phn m hnh ha s liu- nh gi

ri ro;
data modeling
assessment;
Cc c vn nghip v- h tr qun l Ti
khon ca Qu khch;
professional advisors for assistance with

administration of your Account;
Cc t chc mun c li ch trong hot

ng kinh doanh ca ngn hng Citibank
nh gi cc xut mua li;
organization wishing to acquire and

interest in any part of Citibanks business
for assessment of any proposed acquisition;
Cc iu tra vin, nhn vin chm sc y t,

cc c vn nghip v v ti chnh, cc cng
ty bo him v ti bo him khc;
investigators,
medical
attendants,
professional and financial advisors, other
insurers and reinsurers;
nh gi n yu cu, bo lnh, v nh
gi khiu ni ca Qu khch hoc kim sot
Ti khon ca Qu khch v i mc ch ngn
ng a gian ln;
for
assessing
your
application,
underwriting and claims assessment or
monitoring your Account for fraud
prevention;
Cc c quan bo him- yu cu kim tra

khiu ni v tham chiu.
insurance industry bodies for claims

matching and cross referencing.
12.2. Khng nh hng n tnh tng qut

ca quy nh trn, trong trng hp ngn
hng l thnh vin ca, hoc l ngi ng
k dch v chia s thng tin ca, bt k
phng ban tn dng no c ngn hng nh

the foregoing, where you are a member of,
or subscriber for the information sharing
services of, any credit bureau recognized
by the State Bank of Vietnam under or
services
for
risk
133
n c Vit Nam cng nhn cn c theo quy

nh php lut Vit Nam, ti cho php:
pursuant the law of Vietnam, I expressly

authorize:
(a) ngn hng chuyn v tit l thng tin

cho bt k phng ban tn dng no ni trn;
v
a) you to transfer and disclose to any such

credit bureau; and
(b) bt k phng ban no nh nu trn c

chuyn v tit l cho bt k thnh vin hoc
ngi ng k no, bt k thng tin no lin
quan n ti v/hoc lin quan n bt k
(cc) Ti khon no ca ti ti ngn hng
(v v mc ch ) c th c php theo
cc quy nh ca php lut Vit Nam.
(b) any such bureau to transfer and disclose

to any fellow member or subscriber, any
information relating to me and/or any of my
Account(s) with you (and for such
purposes) as may be permitted under or
pursuant to the laws and regulations of
Vietnam.
12.3. Nhm tun th cc quy nh php lut

thu hin hnh ca Hp chng quc Hoa k,
ti t b bt k quyn bo mt hoc quyn
bo v d liu v ngn hng lin quan n
(cc) Ti khon ca ti. V i mc ch tun
th Lut hoc Quy nh php lut, ngn
hng v Nhm cng ty ca ngn hng s s
dng, lu gi v x l thng tin trn (cc) Ti
khon ca ti v tit l thng tin cho
Nhm cng ty khc. Ngn hng cng s tit
l nhng thng tin ca ti, nu ngn hng
c yu cu hoc c cho php tit l
theo Lut hoc Quy nh php lut, cho cc
C quan c thm quyn trong phm vi php
12.3 For the purpose of complying with

applicable US tax laws, I waive any bank
secrecy, privacy or data protection rights
related to my Account(s). For the purpose
of complying with Law or Regulation, you
and your Group Companies will use, hold
and process my information on my
Account(s) and disclose it to other Group
Companies. You will also disclose my
information if you are requested or
permitted to do so by Law or Regulation,
including to Authorities to the extent
permitted by Vietnamese law. In case where
the law and regulation of Vietnam prohibits
134
lut Vit Nam cho php. Trong trng hp

php lut v quy nh ca Vit Nam nghim
cm hoc phn l n hn ch vic ngn hng
tit l thng tin ca ti cho C quan c thm
quyn, ti ng cho php ngn hng
chuyn giao hoc tit l nhng thng tin
trn (cc) Ti khon ca ti (bao gm c
thng tin giao dch, thng tin c nhn) cho
Citibank hoc cho bt k Nhm cng ty
trong phm vi cho php nhm m bo vic
tun th cc quy nh ca FATCA.
or materially restricts you from disclosing

my information to Authorities, I agree to
authorize you to transfer or disclose my
information on my Account(s) (including
transactional, personal information) to
Citibank or to any of Group Companies in a
jurisdiction
that
permits
FATCA
compliance.
12.4. Lin quan n bt k vic thay th,

chuyn nhng, chuyn giao hoc bn hoc
d kin thay th, chuyn nhng, chuyn
giao hoc bn i v i bt k quyn v/hoc
ngha v no ca ngn hng i v i hoc
lin quan n (cc) Ti khon, bt k cc
Sn phm v Dch v no c cung cp
hoc s c cung cp cho ti theo hoc
lin quan n (cc) Ti khon v bt k Hp
ng/Tha thun no cho bt k bn thay
th, bn nhn chuyn nhng, bn nhn
chuyn giao, bn mua hoc bt k ngi no
khc tham gia hoc theo hnh thc khc c
lin quan n giao dch hoc giao dch d
kin thc hin , bng vn bn ny, ti
chp thun vic ngn hng tit l cho bt k
12.4 I hereby consent, in connection with

any,
or
any
proposed,
novation,
assignment, transfer or sale of any of your
rights and/or obligations with respect to or
in connection with the Account(s), any
Products and Services made or to be made
available to me under or in connection with
the
Account
(s)
and
any
Contract/Agreement to any novatee,
assignee, transferee, purchaser or any
other person participating or otherwise
involved in such, or such proposed,
transaction, to the disclosure, to any such
person, by you, of any and all information
relating to me, the Account(s), any
135
ngi no k trn bt k v ton b cc

thng tin lin quan n ti, (cc) Ti khon,
bt k Sn phm v Dch v no c cung
cp hoc s c cung cp cho ti lin quan
n (cc) Ti khon, bt k Hp ng no,
bt k Tha thun no v bt k bo m,
bo lnh v bo him no c a ra
bo m cho cc ngha v ca ti theo bt
k Ti khon, Hp ng, Tha thun no
nh vy v bt k thng tin no khc c
yu cu lin quan n bt k Ti khon, Hp
ng, Tha thun no nh vy. Ti cng
ng rng nu ngn hng xt thy cn
thit tun th bt k Lut hoc Quy nh
php lut, ngn hng c th chuyn giao
ngha v ca mnh theo Tha thun ny
(bao gm c ngha v bo co theo cc quy
nh ca FATCA), bng cch thay th ngha
v, chuyn nhng hoc chuyn giao cho
Citibank hoc bt k Nhm cng ty ca
ngn hng trong phm vi cho php nhm
m bo vic tun th cc quy nh ca
FATCA.
available to me under the Account(s), any

Contract, any Agreement and any security,
guarantee and assurance provided to
secure my obligations thereunder and any
other information whatsoever which may
be required in relation thereto. I further
consent that if you reasonably consider
necessary for you to comply with any Law
or Regulation, you may transfer your duties
under this Agreement (including your
reporting obligations under FATCA), by way
of novation, assignment or transfer to
Citibank or any of your Group Companies in
a jurisdiction that permits FATCA
compliance.
12.5. Ti ng rng vic ti k n ngh

s to thnh chp thun bng vn bn ca
ti i v i bt k vic tit l thng tin no
nh vy cho cc mc ch ca yu cu tit l
12.5 I agree that my signing of the

application form shall constitute my written
permission for any such disclosure for the
purposes of any disclosure requirements
136
thng tin theo Lut hoc Quy nh php

lut.
imposed by Law or Regulation.
13. Loi tr Trch nhim
13. Exclusion of Liability
13.1. Ty t ng thi im, ngn hng c th

thu xp hoc n lc khch hng c
hng cc chng trnh khuyn mi, chit
khu, gim gi bn l hoc cc chng trnh
khc khi ti s dng Th ATM Citi/Th Ghi
n Citibank. Cc chng trnh khuyn mi,
chit khu, gim gi bn l hoc cc chng
trnh khc c th ty thuc vo cc iu
khon v iu kin v cc hn ch m ngn
hng c th thng bo cho ti, v ngn hng
c th hy b li ch, chit khu, gim gi
bn l hoc chng trnh vo bt k thi
im no m khng cn phi thng bo cho
ti.
13.1 You may from time to time arrange for

or procure benefits, discounts, retail
rebates or programmes in conjunction with
the use of my Citi ATM Card/Citibank Debit
Card. Such benefits, discounts, retail
rebates or programmes may be subject to
such terms and conditions and restrictions
as you may notify me, and you may
withdraw any such benefit, discount, retail
rebates or programme at any time and
without notice to me.
13.2. Ti s khng buc ngn hng phi chu

trch nhim v hng ha hoc dch v c
cung cp bi bt k bn bn hng no (d l
do ngn hng gi i thiu cho ti hoc ti
c gi i thiu v nh cung cp hng ha
hoc dch v qua hnh thc no khc)
hoc cht lng v hiu sut ca bt k
hng ha hoc dch v no c thc hin
t hoc lin quan t i bt k Giao dch Rt
13.2 I will not hold you responsible for goods

or services supplied by any merchant
(whether introduced by you to me or
otherwise) or the quality or performance of
any goods or services pursuant to or in
relation to any Cash Withdrawal, Cash
Advance and/or Citi ATM Card/Citibank
Debit Card Transaction. If I have any
complaint against any merchant, I shall
137
Tin mt, Giao dch

ng tr c Tin mt
v/hoc Giao dch Th ATM Citi/Th Ghi n
Citibank. Nu ti c bt k khiu ni no i
v i bt k bn bn hng hoc bn cung cp
dch v no, ti s gii quyt tranh chp
v i bn bn hng hoc bn cung cp dch v;
trch nhim ca ti i v i ngn hng s
khng b nh hng bi tranh chp hoc
bi bt k quyn i tr hoc quyn b tr
no m ti c th c i v i bn bn hng
. Cc quyn ca ti theo bn iu khon
v iu kin ny l khng c chuyn
nhng hoc x l theo hnh thc khc.
resolve such dispute with the merchant; my

liability owing to you will not be affected by
such dispute or any counterclaim or right of
setoff which I may have against such
merchant. My rights under these Terms and
Conditions are not to be assigned or
otherwise disposed of.
13.3. Ti s khng buc ngn hng phi chu

trch nhim d i bt k hnh thc no v ti
s khng c quyn khiu ni ngn hng nu
Th ATM Citi/Th Ghi n Citibank ca ti
khng c bt k bn bn hng, ngn
hng, t chc ti chnh no hoc bt k
ngi no khc chp nhn hoc nhn thanh
ton v bt k l do no.
13.3 I will not hold you liable in any way and

I will have no claims against you if my Citi
ATM Card/Citibank Debit Card is not
accepted or honoured by any merchant,
bank, financial institution or any other
person for any reason.
13.4. D c bt k iu khon v iu kin

no khc trong bn iu khon v iu kin
ny, ngn hng khng phi chu trch nhim
i v i ti v bt k tn tht, thit hi, bt
tin, kh khn, chi ph v ph tn thuc bt
k tnh cht no m ti hoc bt k ngi
13.4 Notwithstanding any other terms and

conditions of these Terms and Conditions,
you are not liable to me for any loss,
damage, inconvenience, embarrassment,
cost and expense of any nature which in any
way may be suffered or incurred by me or
138
no khc c th chu hoc gnh chu di

bt k hnh thc no i vi hoc lin quan
n vic s dng hoc n lc s dng Th
ATM Citi/Th Ghi n Citibank c a ti, s CIN
hoc PIN v/hoc bn i
u khon v i
u
kin ny, bao g m, nhng khng nh hng
n tnh tng qut c a cc quy nh trn,
vic s hu li Th ATM Citi/Th Ghi n
Citibank hoc yu cu s dng li Th ATM
Citi/Th Ghi n Citibank; vic my hoc h
thng cp quy
n hoc ng truy
n hoc
ATM gp s c hoc khng hot ng; bt
k h hng hay mt mt no i vi Th
ATM Citi/Th Ghi n Citibank; v vic khng
th truy tm bt k d liu hoc thng tin
no c th c lu tr trong Th ATM
Citi/Th Ghi n Citibank do bt k l do g.
by any other person in respect of or in

connection with the use or attempted use of
my Citi ATM Card/Citibank Debit Card, the
CIN or PIN and/or these Terms and
Conditions, including, without prejudice to
the generality of the foregoing, any
repossession of the Citi ATM Card/Citibank
Debit Card or any request for its return; any
malfunction or failure of any machine or
system of authorization or transmission link
or ATM; any damage or loss of the Citi ATM
Card/Citibank Debit Card; and any inability
to retrieve any data or information that
may be stored in the Citi ATM Card/Citibank
Debit Card howsoever caused.
13.5. Ti ng rng ngn hng c ton

quy
n s dng cc i din, nh thu
v/hoc i l m ngn hng cho l ph hp
thc hin hoc bo m thc hin bt k
vn
hoc giao dch no c i
u chnh
bi hoc c d liu trong bn i
u khon
v i
u kin ny, ngn hng khng phi chu
trch nhim vi ti v
bt k hnh ng,
khng hnh ng, bt cn hoc sai phm c
13.5 I agree that you have the absolute

discretion to use such agents, contractors
and/or correspondents as you deem fit to
carry out or procure any of the matters or
transactions governed by or contemplated
in these Terms and Conditions, and you are
not liable to me for any act, omission,
negligence or wilful default on the part of
such agents, contractors and/or
139
c a cc i din, nh thu v/hoc i l .
correspondents.
14. Bi hon
14. Indemnity
14.1.Ti s b i hon y cho ngn hng v

trnh cho ngn hng khng phi chu bt k
tn tht, thit hi, trch nhim, chi ph v
ph tn no (k c ph php l trn c s b i
hon y ) m ngn hng c th chu
hoc gnh chu do hoc lin quan n vic
s dng hoc n lc s dng Th ATM
Citi/Th Ghi n Citibank, s CIN hoc s PIN
c a ti v/hoc bn i
u khon v i
u kin
ny, bao g m, khng nh hng n tnh
tng qut c a cc quy nh trn:
14.1 I will fully indemnify you and hold you

harmless against any loss, damage, liability,
cost and expense (including legal costs on a
full indemnity basis) which you may incur or
suffer as a result of or in connection with
any use or attempted use of my Citi ATM
Card/Citibank Debit Card, the CIN or PIN
and/or these Terms and Conditions,
including, without prejudice to the
generality of the foregoing:
(a) vic ti vi phm bt k ngha v no c a

mnh theo bn i
u khon v i
u kin ny;
(a) my breach of any of my obligations

under these Terms and Conditions;
(b) vic ngn hng thc t hoc n lc thi

hnh hoc bo vbt k cc quy
n v bin
php no c a ngn hng i vi ti; v/hoc
(b) the actual or attempted enforcement or

protection of any of your rights and
remedies against me; and/or
(c) bt k thay i no c a cc quy nh

php lut, quy nh hoc ch th chnh thc
c nh hng n Th ATM Citi/Th Ghi n
Citibank v/hoc bn i
u khon v i
u kin
ny, v cc khon ti
n phi thanh ton k trn
c th c ghi n t bt k Ti khon no
v/hoc s c ti thanh ton khi c yu cu.
(c) any change in any Law or Regulation or

official directive which has an effect on the
Citi ATM Card/Citibank Debit Card and/or
these Terms and Conditions, and the same
may be debited from any Account and/or
shall be paid by me on demand.
140
15. Thanh ton nh k/Theo t
15. Recurring/Instalment Payments
15.1. Trong trng hp Th ATM Citi/Th Ghi

n Citibank c a ti c in tn, nhn hiu
hoc biu tng VISA:
15.1 Where my Citi ATM Card/Citibank Debit

Card is embossed with the VISA name, mark
or logo:
(a) nu ti s dng Th ATM Citi/Th Ghi n

Citibank c a ti mua hng ha hoc dch
v theo hnh thc thanh ton thnh nhi
u
t hoc thc hin thanh ton nh k, ti
cho php ngn hng thc hin cc t thanh
ton thay cho ti khi n hn v ghi n
khon ti
n m ngn hng thanh ton t Ti
khon Ch nh hoc bt k Ti khon no
khc;
(a) if I use my Citi ATM Card/Citibank Debit

Card to purchase goods or services by
instalments or to make payments on a
recurring basis, I thereby authorize you to
pay such instalments for me as they
become due and debit the amount paid by
you from the Designated Account or any
other Account;
(b) nu quy

n s dng Th ATM Citi/Th Ghi
n Citibank c a ti b nh ch hoc Ti
khon Ch nh b ng, ngn hng c th,
ngng thc hin cc t thanh ton nu
trn thay cho ti, hoc ghi n tng s ti
n
c a cc t thanh ton cn li vo Ti khon
Ch nh hoc bt k Ti khon no khc
hoc yu cu ti thanh ton s ti
n ngay
lp tc. Ngn hng c quy
n la chn cc
phng thc thanh ton c nu trn m
khng nh hng n bt k quy
n v bin
php no c a ngn hng.
(b) if my right to use my Citi ATM

Card/Citibank Debit Card is suspended or
the Designated Account is closed, you may
at your option and without prejudice to any
of your rights and remedies, stop paying the
said instalments for me, or debit the
aggregate
sum
of
the
remaining
instalments to the Designated Account or
any other Account or require me to pay the
same forthwith.
15.2. Ti cng ng chu rng buc bi bt
15.2 I also agree to be bound by any other

141
k i
u khon v i
u kin c th no khc
i
u chnh k hoch thanh ton nh
k/theo t . Trong trng hp c mu
thun, cc i
u khon v i
u kin c th
s c u tin p dng so vi i
u kin 15
ny nhng ch trong phm vi cn thit
cc i
u khon v i
u kin c y
hiu lc.
specific terms and conditions governing

such recurring/instalment payment scheme.
In the event of conflict, such specific terms
and conditions are to prevail over the
provisions of this Condition 15 but only to
the extent necessary to give full effect to
those terms and conditions.
16. Tng t Trt ta
16. Service of Legal Process
16.1. Ngn hng c th tng t giy triu

tp, n khiu ni hoc trt ta hoc bt k
vn bn no khc cn phi tng t trc tip
i vi bt k hnh ng hoc th tc no
theo Bn i
u khon v i
u kin n ti
bng cch li, hoc gi bng th thng,
a ch mi nht c a ti (d trong hoc
ngoi Vit Nam v d a ch l Hp th
Bu in hoc l ni c ng hoc a im
kinh doanh) c cung cp cho ngn hng.
Khng c quy nh no trong i
u kin ny
nh hng n quy
n c a ngn hng i vi
vic tng t trt ta theo bt k cch thc
no khc c lut php cho php.
16.1 You may serve a writ of summons,

statement of claim or other legal process or
any other document requiring personal
service in respect of any action or
proceedings under these Terms and
Conditions on me by leaving it at, or sending
it by ordinary post to, my last known
address (whether within or outside Vietnam
and whether such address is a Post Office
Box or is a place of residence or business)
as may be provided to you. Nothing in this
Condition shall affect your right to serve
legal process in any other manner
permitted by law.
16.2. Trt ta hoc vn bn c xem l

c tng t hp l n ti vo ngy
16.2 Such legal process or document is

deemed to have been duly served on me on
142
giao nu c giao trc tip; hoc vo ngy

ngay sau ngy gi nu gi bng ng bu
in (d trt ta hoc vn bn c th
khng giao c v c gi tr li cho ngn
hng).
the date of delivery if it is delivered by hand;

or on the date immediately after the date of
posting if it is sent by post (notwithstanding
that it may be returned to you undelivered).
17. Quy nh chung
17. General
17.1. Vo bt k thi im no, ngn hng c

th thay i, sa i, b sung hoc xa b
bt k i
u khon v i
u kin no trong
bn i
u khon v i
u kin ny v ngn
hng phi thng bo cho ti v
bt k thay
i no nh vy theo cch thc m theo
ton quy
n quyt nh c a mnh, ngn hng
cho l ph hp. Nu ti khng chp nhn cc
thay i , ti c th chm dt vic s
dng Th ATM Citi/Th Ghi n Citibank ngay
sau khi ngn hng a ra thng bo thay i
. Nu ti gi li hoc tip tc s dng Th
ATM Citi/Th Ghi n Citibank hoc s CIN
hoc s PIN sau khi ngn hng a ra
thng bo thay i , ti s c xem l
chp nhn cc thay i m khng c
bo lu quy
n t chi s dng Th ATM
17.1 You may at any time vary, modify, add

to or delete any of these Terms and
Conditions and you will notify me of any
such changes in such manner as you may in
your absolute discretion, deem fit. If I do not
accept such changes, I may terminate the
use of my Citi ATM Card/Citibank Debit
Card forthwith after you have given such
notice of change. If I retain or use the Citi
ATM Card/Citibank Debit Card or the CIN or
the PIN after you have given such notice of
change, I will be deemed to have accepted
such changes without reservation.
17.2. Bn i
u khon v i
u kin ny b
sung cho bt k (cc) tha thun no khc
17.2 These Terms and Conditions are in

addition to any other agreement(s)
143
gia ti v ngn hng lin quan n (cc)

Ti khon v/hoc bt k cc hn mc tn
dng, li ch hoc dch v no khc c th
c ngn hng cung cp cho ti ty tng
thi im lin quan n (cc) Ti khon c a
ti v cc quy
n c trao cho ngn hng
theo bt k (cc) tha thun no nh vy.
Nu c bt k s khng thng nht no gia
bn i
u khon v i
u kin ny vi cc
i
u khon c a bt k (cc) tha thun no
khc, th cc quy nh c a bn i
u khon
v i
u kin ny s c u tin p dng.
between me and you with respect to my

Account(s) and/or any other facilities,
benefits or services which may from time to
time be made available by you to me in
connection with my Account(s) and the
rights conferred on you under any such
agreement(s). If there is any inconsistency
between these Terms and Conditions and
the terms of any such other agreement(s),
the provisions of these Terms and
Conditions shall prevail.
17.3. Cc quy
n v bin php c quy nh
trong bn i
u khon v i
u kin ny l
cng d n v khng loi tr bt k cc quy
n
hoc bin php no khc (d theo quy nh
lut php hoc quy nh khc).
17.3 The rights and remedies provided in

these Terms and Conditions are cumulative
and not exclusive of any other rights or
remedies (whether provided by law or
otherwise).
17.4. Vic ngn hng khng thc hin hoc

chm tr thc hin bt k quy
n hoc bin
php no theo bn i
u khon v i
u kin
ny s khng c hiu l hnh ng t b
quy
n hoc bin php . Vic ngn hng
thc hin mt hoc mt phn bt k quy
n
hoc bin php no s khng ngn cn vic
thc hin thm hoc vic thc hin khc c a
cc quy
n hoc bin php hoc vic thc
hin bt k quy
n hoc bin php no khc.
17.4 No failure on your part to exercise and

no delay on your part in exercising any right
or remedy under these Terms and
Conditions will operate as a waiver of such
right or remedy, nor will any single or
partial exercise of any right or remedy
preclude any other or further exercise of
such right or remedy or the exercise of any
other right or remedy.
144
17.5. Vic ngn hng t b cc quy

n hoc
bin php c a ngn hng i vi bt k quy
nh no c a bn i
u khon v i
u kin
ny hoc i vi bt k vi phm no c a ti
phi bng vn bn v c th c a ra
trn c s cc i
u khon v i
u kin m
ngn hng cho l ph hp v ch c hiu lc
trong trng hp v cho mc ch m vic
t b c a ra.
17.5 Any waiver by you of your rights or

remedies in respect of any provision of
these Terms and Conditions or any breach
on my part must be in writing and may be
given subject to such terms and conditions
as you may deem fit and is effective only in
the instance and for the purpose for which
it is given.
17.6. Cc h s c a ngn hng (k c cc h

s lu tr bng my tnh v vi phim) v
mi
vn
lin quan n ti, bt k Giao dch
Rt Ti
n mt, Giao dch ng trc Ti
n mt,
no, Th ATM Citi/Th Ghi n Citibank c a
ti v/hoc (cc) Ti khon c a ti l bng
chng quyt nh i vi cc vn
v
rng buc i vi ti cho tt c cc mc
ch, tr khi c sai st r rng, ty thuc
quy
n c a ngn hng i vi vic sa li bt
k sai st hoc s sut no trong cc h s
v quy
n c a ngn hng i vi vic vin
dn bng chng khc. Bng vn bn ny ti
ng khng tranh ci v
tnh xc thc
hoc tnh chnh xc c a bt k thng tin no
do my tnh a ra m ngn hng tin vo v
bt k mc ch no, vo bt k thi im
17.6 Your records (including computer and

microfilm stored records) of all matters
relating to me, any Cash Withdrawal, Cash
Advance, Citi ATM Card/Citibank Debit Card
Transaction, my Citi ATM Card/Citibank
Debit Card and/or my Account(s) are
conclusive evidence of such matters and is
binding against me for all purposes, save for
manifest error, subject to your right to
rectify any error or omission therein and
your right to adduce other evidence. I
hereby agree not to at any time dispute the
authenticity or accuracy of any computer
output relied upon by you for any purpose
whatsoever. You may, in your absolute
discretion, destroy any document relating
to any Cash Withdrawal, Cash Advance or
145
no. Ngn hng c th, theo ton quy

n
quyt nh c a mnh, h y bt k ti liu no
lin quan n bt k Giao dch Rt Ti
n mt,
Giao dch ng trc Ti
n mt hoc Giao dch
Th ATM Citi/Th Ghi n Citibank, Th ATM
Citi/Th Ghi n Citibank c a ti v/hoc
(cc) Ti khon c a ti sau khi ghi nhn
bng vi phim hoc ghi nhn theo hnh thc
khc ti liu theo cch thc m ngn
hng c th cho l ph hp cng nh h y vi
phim v h s vo bt k thi im no.
Transaction, my Citi ATM Card/Citibank

Debit Card and/or my Account(s) after
microfilming or otherwise recording the
same in such manner as you may deem fit
as well as to destroy such microfilm and
records at any time.
17.7. Mi quy nh trong bn i

u khon v
i
u kin ny l ring r v ring bit vi
nhau v nu vo bt k thi im no, bt k
mt hoc nhi
u i
u khon v i
u kin no
trong bn i
u khon v i
u kin ny hoc
bt k phn no c a i
u khon v i
u kin
tr nn v hiu lc, bt hp php hoc
khng c kh nng thi hnh, th tnh hiu
lc, tnh hp php hoc kh nng thi hnh
c a cc quy nh cn li s khng b nh
hng hoc b tn hi theo bt k hnh thc
no.
17.7 Each of the provisions in these Terms

and Conditions is severable and distinct
from one another and if at any time any one
or more of these Terms and Conditions or
any part thereof is or becomes invalid,
illegal or unenforceable, the validity,
legality or enforceability of the remaining
provisions will not thereby be affected or
impaired in any way.
17.8. Ngn hng c th, vo bt k thi im

no theo ton quy
n quyt nh c a mnh,
chuyn nhng cc quy
n c a ngn hng
17.8 You may at any time in your absolute

discretion assign any of your rights under
these Terms and Conditions to any third
146
theo bn i
u khon v i
u kin ny cho
bt k bn th ba no m khng cn phi c
chp thun c a ti.
party whosoever without my consent.
17.9. Bn i
u khon v i
u kin ny c
i
u chnh bi lut php Vit Nam v bng
vn bn ny ti phc tng khng h y ngang
thm quy
n xt x khng c quy
n c a cc
ta n Vit Nam.
17.9 These Terms and Conditions are

governed by Vietnamese law and I hereby
submit irrevocably to the nonexclusive
jurisdiction of the competent Vietnamese
court.
17.10. Ti theo y ng rng cc quy

n
v/hoc li ch m ngn hng c th nhn
c theo cc i
u khon v i
u kin ny
c hiu lc trong chng mc ti a c
php lut hin hnh c a Vit Nam cho php,
v trong trng hp cc quy
n v/hoc li
ch ny b gii hn bi cc quy nh bt buc
c a php lut Vit Nam, mt phn c a cc
quy
n v/hoc li ch , phn khng b gii
hn nh vy cng vi cc quy
n v/hoc li
ch khc m ngn hng nhn c theo cc
i
u khon v i
u kin ny vn c hiu lc
v s khng b xem l v hiu ch bi cc gii
hn .
17.10 I hereby agree that the rights and/or

benefits which you may enjoy under these
Terms and Conditions are effective to the
maximum
extent
permitted
under
applicable Vietnamese laws, and in the
event such rights and/or benefits are
limited by mandatory provisions of
Vietnamese laws, part of such rights and/or
benefits which are not so limited and other
rights and/or benefits which you may enjoy
under these Terms and Conditions are still
effective and shall not be deemed void
merely because of such limitation.
18. ng ch Ti khon
18. Joint Account
18.1. Trong trng hp Ti khon c a ti

(hoc bt k ti khon no c a ti) c duy
tr ng ch ti khon cho ti v mt hoc
18.1 In the event that my Account (or any of

them) is maintained jointly for me and one
or more other persons (referred to as
147
nhi
u ch th khc (c xem l ng ch
ti khon cho mc ch c a i
u khon
ny):
Joint Account Holder for the purpose of

this paragraph):
(a) ngn hng c ton quy

n pht hnh
bt k Th ATM Citi/Th Ghi n Citibank cho
mi ng ch ti khon m khng cn dn
chiu hoc thng bo cho ti (v Th ATM
Citi/Th Ghi n Citibank c th c hoc
khng c chc nng thanh ton ghi n ti
im bn hng nu ngn hng xem l hp
l);
(a) you may at your absolute discretion

issue any Citibank ATM/Debit Card to each
Joint Account Holder without reference or
notice to me (and such Citibank ATM/Debit
Card may or may not come with
pointofsale debit payment functionality as
you consider appropriate);
(b) tt c cc dn chiu ti ti s, khi ng

cnh cho php, bao g m mi v tt c cc
ng ch ti khon c tn c duy tr trn
Ti khon;
(b) all references to me and I shall

where the context allows include each and
every Joint Account Holder in whose name
the Account is maintained;
(c) ti s c ngha v lin i tun th , chp

hnh v thc hin cc ngha v v quy
n li
theo cc i
u kin v i
u khon ny;
(c) I, shall be jointly and severally bound to

observe comply and perform the duties and
obligations in these Terms and Conditions;
(d) ngn hng c quy

n sp xp hoc chm
dt ngha v c a bt k ng ch ti khon
no m khng lm nh hng ti cc ngha
v hoc trch nhim ang t n ti c a bt k
ng ch ti khon no;
(d) you shall be entitled to make

arrangements with or release any of the
Joint Account Holders without thereby
affecting in any way the obligations or
continued liability of any other of them;
(e) trch nhim c a ti s khng b nh

hng di bt k hnh thc no bi bt k
tranh chp hoc phn t hoc quy
n khu
(e) my liabilities shall not be affected in any

way by any dispute or counterclaim or right
of setoff which the Joint Account Holders
148
tr m cc ng ch ti khon c th c

hng i khng ln nhau hoc bi vic
t b bt k quy
n no trong s nhng
quy
n v bt c l do no hoc bi s
khng c hiu lc hoc khng th thi hnh
c a bt k quy nh no trong cc i
u kin
v i
u khon ny lin quan ti bt k ng
ch ti khon no hoc do vic bt k ng
ch ti khon no b cht, thng tt ton
b vnh vin, mt tr hoc b ph sn;
may have against each other or by the

discharge of any one of them for any reason
or by the invalidity or unenforceability of
any of these Terms and Conditions in
relation to any of the Joint Account Holders
or by the death, disability, mental incapacity
or bankruptcy of any of the Joint Account
Holders;
(f) ngn hng c quy

n hnh ng theo
hoc da trn bt k thng ip truy
n
thng no, ch th hoc yu cu no do bt
k ng ch ti khon no a ra hoc c
xem l a ra (khng ph thuc vo vic ti
c bit hoc c y quy
n hay khng) v ti
b rng buc bi cc thng ip truy
n
thng, ch th hoc yu cu ; v
f) you shall be entitled to act or rely on any

communication, request or instruction
given or purported to be given by any Joint
Account Holder (whether with or without
my knowledge or authority) and I shall be
bound by such communication, request or
instruction; and
g) bt k bn Sao k ti khon hoc thng

bo lin quan
n vic s dng Th ATM
Citi/Th Ghi n Citibank hoc bt k li ch
no lin quan n Th ATM Citi/Th Ghi n
Citibank hoc bt k sa i no i vi cc
i
u Kin v i
u Khon ny c gi n
bt k ng ch ti khon no s c xem
l c gi n v c nhn bi mi v tt
c cc ng ch ti khon (bao g m c
(g) any Account Statement or notice

relating to the use of any Citibank
ATM/Debit Card or any facilities or benefits
relating to the Citibank ATM/Debit Card or
any amendment to these Terms and
Conditions dispatched to any Joint Account
Holder shall be deemed to have been
dispatched and received by each and every
Joint Account Holder (including myself) at
149
nhn ti) ti thi im ng ch ti khon

nhn hoc c cho nhn cc vn bn
ny.
the time when that Joint Account Holder

receives or is deemed to have received the
same.
SN PHM
PRODUCTS
1. Sc
1. Checking
Ti cho php ngn hng a ra tn v s ti

khon c a ti cho nh in c a ngn hng ch
cho mc ch pht hnh s sc.
I authorise you to release my name and

account number to your printer solely for
the purpose of checkbook issuance only.
2. Maxi Account
2. Maxi Account
Ngn hng c php t ng chuyn bt

k s d c no gia Ti khon Sc v Ti
khon Hot ng c a ti nu ngn hng cho
l cn thit.
You are authorised to automatically

transfer any credit balances between my
Checking Account and my Operation
Account as you deem necessary.
3. Ti
n gi K hn
3. Time Deposit
3.1. Ti hiu rng (cc) khon ti

n gi bng
ngoi t s c thc hin vo ngy gi tr,
l ngy sau hai (2) Ngy Lm vic k t ngy
(Ngy gi) ngn hng nhn c cc ch
th c a ti i vi vic gi (cc) khon ti
n
gi , ngoi tr trng hp ngy gi tr i
vi khon ti
n gi k hn bng la M s l
vo cng ngy vi Ngy gi. Cc ch th rt
ti
n d mt phn hoc ton b, hoc thc
3.1 I understand that deposit(s) in foreign

currencies will be effected on [the value
date, being two (2) Business Days after the
date (Placement Date) of your receipt of
my instructions to you for the placement of
such deposit(s), except that the value date
for a time deposit denominated in United
States dollars shall be the same day as the
Placement Date.] Instructions to withdraw
150
hin thay i k hn hoc loi ti

n c a
khon ti
n gi phi c a ra t nht hai
(2) Ngy Lm vic trc ngy o hn c a
khon ti
n gi. Ti ng rng bt k khon
ti
n gi no m ti thc hin bng ngoi t
ti ngn hng phi p ng gi tr ti thiu
v k hn ti thiu m ngn hng c th xc
nh ty tng thi im l s p dng i vi
loi ti
n .
whether partially or in full, or to make

changes to the tenure or currency of a
deposit must be given at least two (2)
Business Days prior to the maturity date of
the deposit. I agree that any deposit(s) to be
made by me in foreign currencies with you
will be subject to such minimum amount
and such minimum tenure as you may from
time to time determine to be applicable to
such currencies.
3.2. Ngn hng s pht hnh giy bo c, ch

l bng chng v
khon ti
n gi v khng
phi l chng t quy
n s hu.
3.2 You will issue an advice of credit which

is only evidence of deposit and not a
document of title.
3.3. Tr khi ngn hng nhn c cc ch th

hp l c a ti t nht hai (2) Ngy Lm vic
trc ngy o hn c a (cc) khon ti
n gi,
ngn hng s t ng ti tc (cc) khon
ti
n gi cng vi ton b li tch ly trn cc
khon ti
n gi theo li sut hin hnh
cho mt k hn tng t khi o hn v cho
mi ln o hn k tip, ph thuc vo bn
i
u khon v i
u kin ny.
3.3 Unless you receive valid instructions

from me at least two (2) Business Days prior
to the maturity date of the deposit(s), you
shall renew the deposit(s) automatically
together with all interest accrued thereon
at your prevailing interest rates for a like
term upon maturity and upon each
successive maturity, subject to these Terms
and Conditions.
3.4. Ngn hng s tr cho ti li trn (cc)

khon ti
n gi cho k hn v theo li sut v
vi khong thi gian m ngn hng c th
3.4 You will pay me interest on my

deposit(s) for such period of time and at
such rates and intervals as may be specified
151
quy nh ty tng thi im v li s c

tnh theo ngy hoc theo cng thc m
ngn hng c th quy nh.
by you from time to time and such interest

shall be calculated on a daily basis or in
accordance with such formula as you may
prescribe.
3.5. Ty thuc vo on 3.7 di, tt c

cc khon rt ti
n gi s c thc hin
theo vn bn yu cu c a ti gi n ngn
hng, theo hnh thc in tn c xc nhn
hoc bng phng thc thng tin lin lc
khc c ngn hng chp thun. Vic rt
bt k khon ti
n gi no s c thc hin
bng ti
n mt, sc, hi phiu hoc in
chuyn ti
n bng loi ti
n c a khon ti
n
gi hoc loi ti
n khc (m ngn hng
theo quy
n quyt nh c a mnh c th cho
php v ty thuc vo cc i
u khon v
i
u kin m ngn hng cho l ph hp).
Yu cu c th theo hnh thc sc rt
ti
n ti ngn hng, vi i
u kin l trn hi
phiu tr ngay c ghi l phi thanh ton ti
quc gia ni cc khon ti
n c gi. Nu ti
khng ch nh phng thc thanh ton th
ngn hng c th pht hnh hi phiu hoc
chuyn ti
n theo hnh thc in tn, ty theo
phng thc no ngn hng cho l ph hp,
bng loi ti
n c a khon ti
n gi.
3.5 Subject to paragraph 3.7 below, all

withdrawals of deposit shall be made by my
request to you in writing, by authenticated
cable or by such other method of
communication approved by you. A
withdrawal of any deposit shall be effected
by way of cash, your checks, drafts or
telegraphic transfer in the currency of that
deposit or such other currency (all as you in
your discretion may permit and subject to
such terms and conditions as you deem fit).
Such request may be in the form of a check
drawn upon you, provided that it is worded
on a sight draft payable in the country
where the funds are placed. If I fail to
specify the method of payment you may
either issue a draft or remit the funds
telegraphically as you see fit in the
currency of the deposit.
152
3.6. (a) Ty thuc vo on 3.7 di, vic

rt bt k khon ti
n gi no, d l mt
phn hoc ton b trc ngy o hn, ch
c th c thc hin khi c chp thun c a
ngn hng v trn c s cc i
u khon v
i
u kin m ngn hng cho l ph hp
p t ty tng thi im (bao g m gi tr
ti thiu m ti c th c php rt) v c
th, theo ton quy
n quyt nh c a ngn
hng, b thu ph rt ti
n hoc ti phi thanh
ton ph hnh chnh, c tnh theo cng
thc m ngn hng c th quy nh ty tng
thi im. Ti cng nhn rng vic p t
khon ph hoc l ph nh vy c th lm
cho ti nhn c t hn vn gc c a khon
ti
n gi v/hoc ti c th thu c t hn
hoc khng thu c li trn khon ti
n gi
.
3.6 (a) Subject to paragraph 3.7 below,

withdrawal of any deposit whether partially
or in full before the maturity date may be
made only with your consent and upon such
terms and conditions as you may deem fit
to impose from time to time (including the
minimum amount that may be allowed to be
withdrawn by me) and may, at your sole
discretion, be subject to the levy of a
withdrawal charge or the payment of an
administrative fee by me to be calculated in
accordance with such formula as you may
prescribe from time to time. I acknowledge
that the imposition of such fee or charge
may result in my receiving less than the
principal amount of the deposit and/or I
may earn lesser or no interest on the
deposit.
(b) Ti cng ng v chp nhn rng trong

trng hp rt mt phn, nu s d c a
khon vn gc trong (cc) ti khon bng
ngoi t c a ti, sau khi tnh phn rt, gim
xung thp hn gi tr ti thiu m ngn
hng c th quy nh ty tng thi im v
thng bo cho ti, ti s c yu cu phi
thc hin rt ton b v khng c php
rt mt phn.
(b) I further agree and accept that in the

event of partial withdrawal, if the balance of
the principal amount of my foreign
currency deposit(s), after taking into
account my partial withdrawal, will fall
below such minimum sum as you may from
time to time prescribe and notify to me, I
shall be required to make a full withdrawal
and no partial withdrawal will be allowed.
153
3.7. Nu (cc) khon ti

n gi c ngn
hng gi bo m cho vic thc hin bt
k ngha v hoc trch nhim no i vi
ngn hng, s ti
n trong (cc) khon ti
n
gi khng th c rt, chuyn nhng,
chuyn giao hoc lm bin php bo m
theo bt k hnh thc no v tt c cc
quy
n, quy
n li v li ch gn li
n vi s
ti
n trong (cc) khon ti
n gi v gn
li
n vi (cc) khon ti
n gi khng th b
chuyn nhng, chuyn giao hoc lm bin
php bo m di bt k hnh thc no.
3.8. (Cc) khon ti
n gi ch c chi tr ti
chi nhnh Citibank N.A. ti Vit Nam ni ti
khon c a ti c duy tr, v khng c chi
nhnh hoc cng ty con no khc c a
Citibank chu trch nhim hon tr (cc)
khon ti
n gi.
3.9. Ti hiu v ng rng hn mc thu
chi c th c cung cp cho ti theo ton
quy
n la chn c a ngn hng ty thuc
vo gii hn m ngn hng xc nh ty
tng thi im bng cch tham kho gi tr
c a (cc) khon ti
n gi c a ti. Gi tr c a
gii hn s c thng bo cho ti ty
tng thi im v ti, bng vn bn ny,
chp thun thng bo .
3.7 If the deposit(s) is/are held by you as

security for the performance of any
obligation or liability to you, the amount
thereof cannot be withdrawn, assigned,
transferred or in any way encumbered and
all rights, interest and benefits attached
thereto and to the deposit account(s)
cannot be assigned, transferred or any way
encumbered.
3.8 The deposit(s) is/are payable solely at
the Vietnam branch of Citibank N.A.where
my account is maintained, and no other
branch or subsidiary of Citibank shall be
liable to repay the deposit(s).
3.9 I understand and agree that at your sole
option, an overdraft facility may be made
available to me up to the limit from time to
time determined by you by reference to the
value of my deposit(s). The amount of such
limit will be notified to me from time to time
and I hereby accept such notification.
154
4. Chuyn i Ngoi hi
4. Foreign Exchange Conversion
4.1. Ngn hng c php k kt bt k cc

hp ng ngoi hi no (trn c s giao
ngay hoc k hn) cn thit to i
u kin
cho cc giao dch lin quan n (cc) Ti
khon theo t gi c p dng ti thi im
cn thc hin bt k giao dch ngoi hi no.
4.1 You are authorised to enter into any

foreign exchange contracts (on a spot or
forward basis) necessary to facilitate
transactions in respect of the Account(s) at
the rate prevailing at the time any exchange
needs to be effected.
4.2. Khi ti m ti khon chuyn i ngoi

hi (Chuyn i Ngoi hi) vi ngn hng,
ti s k qu cho ngn hng Chng khon
m ngn hng c th chp nhn, c ngn
hng n nh ty tng thi im theo ton
quy
n quyt nh c a ngn hng (cc Ti
sn K qu).
4.2 When I open a foreign exchange

conversion (FX Conversion) account with
you, I shall deposit with you such Securities
acceptable to you, as you may fix from time
to time at your absolute discretion (the
Deposited Assets).
4.3. Vo bt k thi im no v ty tng

thi im, theo ton quy
n quyt nh c a
ngn hng, ngn hng s c quy
n yu
cu ti k qu thm cc khon ti
n hoc
Chng khon theo hnh thc Ti sn K qu
b sung v ti s tun th yu cu trong
thi hn m ngn hng c th quy nh.
4.3 You shall be entitled at any time and

from time to time at your absolute
discretion to require me to deposit further
sums of money or Securities by way of
additional Deposited Assets and I shall
comply with any such demand within such
period of time as you may specify.
4.4. (Khng nh hng n bt k cc

quy
n hoc bin php no khc m ngn
hng c th c i vi ti theo php lut)
ngn hng s c quy
n, ty thuc vo
lut php Vit Nam, theo ton quy
n quyt
4.4 Subject to Vietnamese law, you shall

(without prejudice to any other rights or
remedies you may have against me in law)
be entitled in your absolute discretion
without notice to me and without my
155
nh c a mnh m khng cn thng bo cho

ti v khng cn chp thun c a ti, chm
dt tt c hoc bt k cc hp ng ngoi
hi cha thi hnh no c a ti v/hoc thc
hin bt k hoc tt c cc hp ng
v/hoc x l bt k ti
n k qu v/hoc
Chng khon no m ngn hng chp nhn
l cc Ti sn K qu v/hoc thc hin tt
c cc hnh ng v k kt tt c cc hp
ng hoc tha thun hoc dn xp m
ngn hng c th cho l cn thit bo v
hoc thi hnh cc quy
n c a ngn hng i
vi ti hoc bt k ngi no khc trong bt
k trng hp no sau y:
consent to close out all or any of my

outstanding foreign exchange contracts
and/or perform any or all such contracts
and/or to realize any cash deposit and/or
Securities accepted by you as Deposited
Assets and/or do all such things and enter
into all contracts or agreements or
arrangements as you may deem necessary
to protect or enforce your rights against me
or any other person in any of the following
events:
(a) ti khng thanh ton bt k khon ti

n
no n hn;
(a) my failure to pay any sums due;
(b) khng cc Ti sn K qu v cc Ti
sn K qu b sung v nu bt k vic thanh
ton no i vi bt k Khon K qu no
nh vy c ngn hng yu cu nhng
cha nhn c trong thi hn quy nh
trong yu cu a ra;
(b) insufficiency of the Deposited Assets

and additional Deposited Assets and if any
payment for any such Deposited Assets
demanded is not received by you during
such time as may be specified in the
demand so made;
(c) khng cc Ti sn K qu m ngn

hng, theo ton quy
n quyt nh c a ngn
hng, c th xc nh lin quan n Chng
khon hoc cc cng c c k qu nh l
(c) inadequacy of such Deposited Assets as

you at your absolute discretion may
determine in respect of the Securities or
instruments deposited as Deposited Assets
156
cc Ti sn K qu thay cho tin mt, khng

xt n gi th trng hin hnh;
in lieu of cash regardless of current market

quotations;
(d) cc Ti sn K qu gim xung thp hn

yu cu ti thiu m ngn hng quy nh ty
tng thi im; v/hoc
(d) the Deposited Assets falling below the

minimum requirement specified by you
from time to time; and/or
(e) bt k hon cnh hoc din bin no

khc m ngn hng, theo ton quyn quyt
nh c a mnh, cho l cn phi hnh ng
bo v ngn hng.
(e)
any
other
circumstances
or
developments that you in your absolute
discretion deem to require action for your
protection.
4.5. Ngay khi ngn hng thc thi bt k cc

quyn no nu trn c a ngn hng, ti s
c
trch nhim thanh ton cho ngn hng bt
k phn thiu h t no trong tin li v bt
k khon ph no pht sinh t vic thc thi
. Ngn hng s
c quyn thc thi cc
quyn vo bt k thi im no m ngn
hng cho l ph hp, m khng cn thng
bo cho ti v khng cn chp thun trc
c a ti.
4.5 Upon your exercise of any of your

above rights, I shall be liable to you for any
deficiency in interest and any charges
resulting from such exercise. You shall be
entitled to exercise such rights at any time
as you think fit, without notice to me and
without my prior consent.
4.6. Tng gi tr c a cc giao dch c a ti vi

ngn hng s
khng vt qu bt k gii
hn no m ngn hng p t vo bt k
thi im no. Ngn hng s
khng c ngha
v duy tr ton b hoc mt phn bt k hn
mc ngoi hi no m ti c th c vi ngn
4.6 The aggregate amount of my positions

shall not exceed at any time any limits you
place thereon. You shall be under no
obligation to maintain in full or in part any
foreign exchange lines which I may at any
time have with you or to make available to
157
hng vo bt k thi im no hoc cung

cp cho ti hn mc ngoi hi ti c th
p ng cc ngha v c a ti i vi ngn
hng.
me foreign exchange lines to enable me to

meet my obligations to you.
4.7. Ch th chm dt hoc ch th giao i
vi cc hp ng ngoi hi cha thi hnh
(cng vi y tin hoc vn bn giao cn
thit) s
c a ra cho ngn hng khng
mun hn hai (2) Ngy Lm vic trc ngy
o hn c a giao dch c lin quan, nu
khng ngn hng c th, theo ton quyn
quyt nh c a ngn hng m khng cn
phi thng bo cho ti, chm dt hp ng
ngoi hi c a ti hoc thay mt ti giao
hoc nhn. s d ng cc phng php m
ngn hng cho l thch hp. Nu hp ng
ngoi hi quy nh c th vic giao, th vo
Ngy Gi tr, ti s
thanh ton cho ngn
hng ti vn phng m ngn hng ch nh
khon tin bng loi tin lin quan m ti
phi thanh ton. Ty thuc vo vic ti thc
hin thanh ton, ngn hng ghi c khon
tin bng loi tin lin quan m ngn hng
phi thanh ton vo ti khon, ti vn
phng hoc cng ty lin kt c a ngn hng,
m ti ch nh bng vn bn cho ngn hng.
4.7 Closing out or delivery instructions on

outstanding foreign exchange contracts
(together with the sufficient funds or the
necessary delivery documents) shall be
given to you not later than two (2) Business
Days prior to the maturity date of the
relevant transaction, failing which you may
in your absolute discretion without notice
to me either close out my foreign exchange
contract or make or receive delivery on my
behalf using such methods as you may
deem expedient. If a foreign exchange
contract specifically provides for delivery,
then on the Value Date, I shall pay you at an
office specified by you the applicable
currency amount payable by me. Subject to
the making of such payment by me, you
shall credit the applicable currency amount
payable by you to such account, with an
office or affiliate of yours, as I shall specify
in writing to you.
4.8. Vic giao v/hoc thanh ton i vi
4.8 Delivery and/or payment for foreign

158
hp ng ngoi hi k hn s

c thc hin
vo ngy trong tng lai c ghi r trong
hp ng. Chi tit c a mi hp ng s
c
trnh by trong xc nhn c lin quan.
exchange forward contracts will be made

on the future date specified in the contract.
Details of each contract will be set out in the
relevant confirmation.
4.9. Nu vo bt k thi im no ti khng

th giao cho ngn hng bt k loi tin no
m trc y ngn hng bn thay mt
ti, ti cho php ngn hng, theo ton
quyn quyt nh c a ngn hng, vay hoc
mua v giao loi tin , v ti s
ngay lp
tc thanh ton v bi hon cho ngn hng
i vi bt k chi ph, tn tht, v thit hi
no (bao gm chi ph, tn tht v thit hi
do hu qu) cng vi bt k khon chnh
lch hi oi no m ngn hng c th c
yu cu phi thanh ton hoc ngn hng c
th phi chu khi giao hoc do ngn hng
khng th vay hoc mua loi tin .
4.9 If I am unable at any time to deliver to

you any currency previously sold by you on
my behalf, I authorise you in your absolute
discretion to borrow or buy and deliver the
same, and I shall immediately pay and
indemnify you for any costs, losses, and
damages (including consequential costs,
losses and damages) together with any
premiums which you may be required to
pay or which you may sustain in making
such delivery or from your inability to
borrow or buy any such currency.
4.10. Ti hiu rng khng phi lc no ngn

hng cng c th thc hin ch th hoc lnh
do tnh cht c a th trng ngoi hi.
4.10 I understand that it may not always be

possible for you to execute an instruction or
order due to the nature of the foreign
exchange markets.
4.11. Trong trng hp ti a ra cc yu cu

giao dch ngoi hi trn c s lnh c nh, ti
s
c xem l yu cu ngn hng thc hin
lnh trn c s n lc cao nht c a ngn hng.
4.11 Where I place foreign exchange

transaction requests on a firm order
basis, I shall be deemed to have requested you
to fulfil the order on your best effort basis.
159
5. Ti khon Vng
5. Gold Account
5.1. Ti hiu rng vic u t vng s

c
ngn hng thc hin bng loi vng Loco
London Gold. Tt c cc giao dch s
c
thc hin tun th cc quy tc c a Th
trng Vng London (vi iu kin l ti s
khng c quyn thc thi bt k cc quyn

no theo cc quy tc mu thun vi bn
iu khon v iu kin ny). Vng c
bn hoc mua phi c tiu chun c chp
nhn trn Th trng Vng London. Ti hiu
rng ngn hng s
khng thc s giao vng
cho ti vo bt k thi im no v ti s
khng c php thc hin bt k vic gi

hoc rt vng thc s no vo hoc ra khi
ti khon vng c a ti. Ti cng hiu rng
vic chuyn vng bng hnh thc chuyn
khon vo hoc ra khi ti khon vo c a ti
s
khng c php.
5.1 I understand that gold investments will

be traded by you in Loco London Gold. All
transactions will be made subject to the
rules of the London Gold Market (provided
that I will not be entitled to exercise any
rights pursuant to such rules in conflict with
these Terms and Conditions). The gold to be
sold or purchased shall be of the
specification acceptable on the London
Gold Market. I understand that you will not
make any physical delivery of gold to me at
any time and I will not be permitted to make
any physical deposit or withdrawal of gold
to or from my gold account. I also
understand that no wire transfer of gold to
or from my gold account shall be permitted.
5.2. Gi bo cho tt c cc giao dch mua v

bn s
tham chiu t t gi giao ngay USD
m ngn hng bo gi cho ti t bng nim
yt gi c sn trn trang GOFO hin th trn
bng in t c a Reuter hoc bng in t
c lin quan m ngn hng cho l tng
ng (hoc nu cc bng in t khng
5.2 The price quoted for all sale and

purchase transactions will take reference
from the USD spot rates quoted by you to
me from available quotations on Reuters
screen GOFO page or such related screen as
you deem equivalent (or if such rates are
not available on those screens, at your sole
160
hin th t gi, th theo ton quyn quyt

nh c a ngn hng, dch v bo gi hoc
phng thc nh gi khc c th trng
chp nhn rng ri) v ty thuc vo vic c
sn cho gi c nh/gi cho bn. Ti hiu
rng bt k bo gi no m ngn hng cung
cp c th c sai bit hoc chnh lch gi.
Ngn hng ch thc hin bt k giao dch
no khi nhn c cc ch th c a ti hoc
c a nhn s c y quyn c a ti. Ti hiu
rng cc iu khon cui cng c a tt c
cc giao dch s
ty thuc vo cc iu
khon trong Xc nhn.
discretion, such other quotation service or

pricing method generally accepted by the
market) and subject to the availability of a
firm bid/offer price. I understand that any
quote you provide may include a spread or
markup. You will effect any transaction only
on receipt of instructions from me or my
authorized personnel. I understand that the
final terms of all transactions will be subject
to the terms contained in the Confirmation.
5.3. Ngn hng c th t chi chp nhn cc

ch th thc hin bt k giao dch no v s
khng chu trch nhim i vi bt k tn

tht no pht sinh do vic t chi thc hin
giao dch . Ngn hng khng c ngha v
thc hin bt k giao dch mua no theo vn
bn ny tr khi ti trc ht cung cp
cho ngn hng y khon tin sn sng
s d ng thanh ton ngn hng c th
tin hnh giao dch , bao gm nhng
khng gii hn bi, khon tin sn sng s
d ng c thanh ton gi mua v cc
khon ph v l ph c lin quan.
5.3 You may refuse to accept instructions

for the execution of any transaction and
shall not be liable for any loss that may
arise as a result thereof. You shall not be
obliged to carry out any buy transaction
hereunder unless I have first made available
to you sufficient cleared funds to enable
you to carry out such transactions,
including but not limited to, sufficient
cleared funds for the payment of the
purchase price and related fees and
charges.
5.4. Ti s
ngay lp tc hon tr cho ngn
5.4 I shall promptly reimburse you for all

161
hng ton b cc khon thu v ph c

thu i vi hoc lin quan n bt k hp
ng hoc giao dch no v s
bi hon v
gi cho ngn hng khng phi chu cc
khon thu v ph .
taxes imposed and levies charged in respect

of or in connection with any contract or
transaction and shall indemnify and hold
you harmless against all such charges.
5.5. Ti hiu rng vng khng th hin vic

gi tin v vic u t nh vy c th chu
mt s r i ro. C th khng to ra c li
tc hoc li v c th xy ra tn tht do bin
ng gi vng. Ti hiu rng ngn hng s
khng chu trch nhim i vi bt k tn

tht no m ti phi chu pht sinh t vic
ngn hng chm dt bt k giao dch no do
bt k S kin Gin on Th trng hoc S
kin Gin on Th trng B sung no c
nh ngha trong nh ngha v Th trng
Vng bc c a ISDA nm 1997 (ISDA), hoc
t bt k vic thanh ton hp ng vng c
lin quan no c thc hin theo cc quy
nh ISDA lin quan n bt k S kin Gin
on Th trng hoc S kin Gin on Th
trng B sung no.
5.5 I understand that gold does not

represent a deposit of money and such an
investment is subject to certain risks. There
is no yield or interest generated and a loss
may be incurred due to fluctuations in its
price. I understand that you will not be liable
for any loss incurred on my part arising
from termination of any transaction by you
due to any Market Disruption Event or
Additional Market Disruption Event as those
terms are defined in the 1997 ISDA Bullion
Definitions (ISDA), or from any
settlement of the relevant gold contract
made pursuant to the ISDA provisions
relating to any Market Disruption Event or
Additional Market Disruption Event.
6. Ti khon Tng li
6. StepUp Account
Ti hiu rng li sut p d ng i vi ti

khon s
thay i ty thuc vo vic liu ti
c p ng cc iu kin hnh vi ti khon
I understand that the interest rates applied

to the account will vary depending on whether
I fulfil the account behavior conditions
162
m ngn hng p t ty tng thi im.
imposed by you from time to time.
7. Ti khon Citibank cho Ngi V Thnh nin
7. Citibank Junior Account
7.1. Trong iu 7 ny, ti v c a ti s
ch ch ti khon thnh nin c a Ti khon

Citibank cho Ngi V Thnh nin .
7.1 In this clause 7, I, me and mine

shall refer to the adult accountholder of the
Citibank Junior Account.
7.2. Ti s
ghi r trong giy ngh m Ti
khon Citibank cho Ngi V Thnh nin
ngi con c tn c ghi trong Ti khon
Citibank cho Ngi V Thnh nin (Con).
Ti ch c th ghi ngi nh hn 18 tui l
Con.
7.2 I shall specify in the application for the

opening of the Citibank Junior Account the
child whose name is to be included in the
Citibank Junior Account (the Child). I may
only specify a person who is less than 18
years of age as the Child.
7.3. Vo bt k thi im no s

ch c mt
Con c ghi tn trong Ti khon Citibank
cho Ngi V Thnh nin.
7.3 There shall only be one Child named in

the Citibank Junior Account at any time.
7.4. Ti s
khng thay i tn Con c tn
trong Ti khon Citibank cho Ngi V
Thnh nin trong sut thi gian tn ti Ti
khon Citibank cho Ngi V Thnh nin.
Ngn hng khng c ngha v chp nhn bt
k thay i no i vi tn c a Con tr khi
p ng yu cu c a ngn hng l ch thay
i v tn v c giy t php l chng minh
p ng yu cu c a ngn hng.
7.4 I shall not change the Child named in the

Citibank Junior Account during the
existence of the Citibank Junior Account.
You are not obliged to accept any change in
the name of the Child unless you are
satisfied that it is only a change in the name
and is supported by legal documentation to
your satisfaction.
7.5. Cc sn phm u t, thu chi, sc hoc
7.5 No investment products, overdraft,

163
hn mc tn d ng khng c hoc s

khng
c cung cp thng qua Ti khon Citibank
cho Ngi V Thnh nin.
checking or credit facilities are or will be

made available through the Citibank Junior
Account.
7.6. Cc khon tin trong Ti khon Citibank

cho Ngi V Thnh nin l ti sn c a ti v
ti s
c ton quyn qun l Ti khon
Citibank cho Ngi V Thnh nin theo cch
m ti cho l ph hp. Khi Con n tui 15,
ti c th yu cu ngn hng cung cp, v
ngn hng c th, theo ton quyn quyt
nh c a ngn hng, cung cp cho Con Th
ATM Citi/Th Ghi n Citibank v s
ATMPIN.
7.6 The monies in the Citibank Junior

Savings Account are my property and I shall
be fully entitled to operate the Citibank
Junior Account as I think fit. When the Child
has attained the age of 15, I may request
you to provide, and you may, at your sole
discretion, provide the Child with a Citi ATM
Card/Citibank Debit Card and an ATMPIN.
7.7. Trong trng hp ti yu cu ngn

hng cung cp, v ngn hng ng
cung cp, cho Con Th ATM Citi/Th Ghi n
Citibank v s ATMPIN, ti tuyn b rng
Con c ti y quyn hp l thay mt ti
a ra cc ch th lin quan n Ti khon
Citibank cho Ngi V Thnh nin v ngn
hng c quyn chp nhn v tin cy vo
cc ch th i vi bt k giao dch no
lin quan n Ti khon Citibank cho Ngi
V Thnh nin nh th cc ch th l do ti
a ra trn c s cc iu khon v ty
thuc vo cc iu kin c trnh by
7.7 Where I have requested you to provide,

and you have agreed to provide, the Child
with a Citi ATM Card/Citibank Debit Card
and an ATMPIN, I declare that the Child is
duly authorised by me to give instructions
pertaining to the Citibank Junior Account
on my behalf and you are entitled to accept
and rely on instructions in respect of any
transaction concerning the Citibank Junior
Account from the Child as if such
instructions were issued by me on the
terms and subject to the conditions set out
in these Terms and Conditions. Such
164
trong bn iu khon v iu kin ny. Vic

y quyn nh vy s
tip t c cho n khi
ngn hng nhn c thng bo bng vn
bn c a ti thng bo rng ti thu hi
vic y quyn cho Con, v ti c th thu hi
vic cho php vo bt k thi im no,
v theo ton quyn quyt nh c a ti. Ti
cng chp thun cho ngn hng ghi m cc
cuc ni chuyn in thoi v cc thng tin
lin lc bng ming khc c a Con vi ngn
hng cung cp bng chng v ch th.
authorization shall continue until you

receive written notice from me that I have
revoked the authorisation given to the
Child, which I may do at any time, and at my
sole and absolute discretion. I further
consent to you recording the Childs
telephone conversations and other verbal
communications with you to provide
evidence of instructions.
7.8. Bng vn bn ny ti cam kt bi hon

y cho ngn hng v gi cho ngn hng
khng phi chu bt k v ton b cc khiu
ni v bi hon cho ngn hng khi c yu
cu i vi bt k v ton b cc khon
thanh ton, tn tht, chi ph, ph tn (bao
gm ph php l m ngn hng phi chu
trn c s bi thng y ) v thit hi
m ngn hng c th phi chu, gnh chu,
gy ra hoc buc phi gy ra cho bt k
ngi no, pht sinh t, lin quan n hoc
cn c theo vic thc hin bt k cc ch th
no m Con hoc ti a ra. Vic bi hon
ny s
c gi tr rng buc i vi cc i
din c nhn hp php c a ti.
7.8 I hereby undertake to indemnify you

fully and hold you harmless from and
against any and all claims and to reimburse
you upon demand for any and all payments,
losses, costs, expenses (including legal fees
incurred by you on a full indemnity basis)
and damages which you may suffer, sustain,
make or be required to make to any person,
resulting from, in connection with or
pursuant to the carrying out of any
instructions given by the Child or by me.
This indemnity shall be binding on my legal
personal representatives.
7.9. Ti cng cam kt rng ngay khi Con n
7.9 I further undertake that immediately

165
tui 18, ti s
cung cp cho ngn hng cc
ch th lin quan n vic ng Ti khon
Citibank cho Ngi V Thnh nin.
upon the Child attaining the age of 18, I will

provide you with instructions relating to the
closure of the Citibank Junior Account.
7.10. Nu ti khng a ra ch th ng Ti

khon Citibank cho Ngi V Thnh nin
trong thi gian sm nht c th sau khi Con
bc sang tui 18, bng vn bn ny ngn
hng c yu cu ng Ti khon Citibank
cho Ngi V Thnh nin v chuyn s d c
trong Ti khon Citibank cho Ngi V
Thnh nin sau khi khu tr khon n c a
ti i vi ngn hng vo ti khon tm thi
(khng c li) m khng nh hng n bt
k quyn no khc.
710. If I fail to give instructions to close the

Citibank Junior Operation Account as soon
as practicable after the Child turns 18, you
are hereby without prejudice to any other
rights requested to close the Citibank
Junior Operation Account and transfer the
credit balance in the Citibank Junior
Operation Account after deducting my
indebtedness to you to a suspense account
(not bearing interest).
7.11. Trong trng hp ti cht hoc mt

nng lc dn s, ngn hng s
c quyn
ng Ti khon Citibank cho Ngi V Thnh
nin v thanh ton cho ngi nhn chuyn
nhng c a ti, nh c cp trong
n yu cu m ti khon v c ngn
hng chp nhn, s d bn c trong Ti
khon Citibank cho Ngi V Thnh nin sau
khi khu tr khon n c a ti i vi ngn
hng. Trong trng hp Con n tui 18,
ngn hng s
c quyn thanh ton s d
bn c cho Con, d c quy nh trn.
7.11 In the event of my death or losing civil

capacity, you shall be entitled to close the
Citibank Junior Operation Account and pay
to my transferee as mentioned in the
application for opening account accepted
by you, the credit balance in the Citibank
Junior Operation Account after deducting
my indebtedness to you. Where the Child
has attained the age of 18, you shall,
notwithstanding the above be entitled to
pay such credit balance to the Child.
7.12. Trong trng hp cc c quyn c a
71.2 In the event that the Citibank Junior
166
Ti khon Citibank cho Ngi V Thnh nin

khng cn c gi tr v bt k l do no, ngn
hng bo lu quyn thay th Ti khon
Citibank cho Ngi V Thnh nin bng cc
sn phm c gi tr tng t m khng cn
thng bo trc.
Operation
Account
privileges
are
unavailable for any reason whatsoever, you
reserve the right to substitute the same
with products of similar value without prior
notice.
IU KHON V IU KIN U T
INVESTMENT TERMS AND CONDITIONS
1. p dng cc iu khon u t
1. Application of Investment Terms
Cc iu khon v iu kin ny lin quan

n vic u t (iu khon u t) cng
vi tt c cc thng bo v xc nhn m
ngn hng a ra i vi bt k cc giao
dch u t no (k c cc giao dch phi
sinh) l phn b sung, c c cng vi
Bn cc iu khon v iu kin Dch v
Ngn hng Tiu dng Ton cu Citibank
(Tha thun), v to thnh mt phn
khng th tch ri v c iu chnh bi
Tha thun v, cng vi Bn iu khon v
iu kin, s
iu chnh mi giao dch u t
c a ti (k c cc giao dch phi sinh) c
quy nh trong vn bn ny ty tng thi
im s
c k kt trc tip hoc gin tip
vi hoc thng qua ngn hng, v ti hiu
These terms and conditions relating to

investment (Investment Terms) together
with all advice and confirmations issued by
you in respect of any investment transactions
(including
derivative
transactions),
constitute a supplement to, read together
with Terms and Conditions entitled Global
Consumer Banking (Agreement), form
an integral part of and shall be governed by
the Agreement and, together with the
Terms and Conditions, will govern all my
investment transactions (including derivative
transactions) described herein from time to
time to be concluded directly or indirectly
with or through you, it being understood
that I would not otherwise enter into any
167
rng ti s
khng k kt bt k giao dch no
theo hnh thc khc.
transactions.
2. H s u t Khch hng
2. Customer Investment Profile
Trc khi ngn hng cung cp cho ti mt

hoc nhiu Sn phm ty tng thi im,
ngn hng c th yu cu thng tin v ti
m ngn hng c th cn h tr ngn
hng nh gi tnh ph hp c a cc Sn
phm i vi ti.
Prior to your making available to me from

time to time one or more Products, you may
request such information of me as you may
require to assist you in assessing the
suitability of such Products for me.
Xc nhn cc ch th u t v quyt nh

u t c a ti, cng vi thng tin sn phm
lin quan n bt k cc sn phm u t
no m ti c kh nng u t vo, s
c
gi n ti bng th (c gi n a ch
mi nht m ti ng k vi ngn hng)
hoc bng fax (c gi n a ch fax mi
nht m ngn hng bit). Khi ti nhn c
xc nhn cc ch th u t v quyt nh
u t c a ti, cng vi thng tin sn phm,
ti s
ngay lp tc thng bo cho ngn hng
bit bt k s khng chnh xc hoc sai st
no trong xc nhn trn, nu khng gi
thng bo ti s
c xem l chp nhn
v chp thun hon ton ni dung c a xc
nhn trn.
A confirmation of my investment instructions

and investment decisions, together with
product information relating to any
investments in which I may potentially
invest, will be sent to me either by post
(addressed to my last address registered
with you) or by facsimile (sent to the
facsimile address last known to you). Upon
my receipt of the same, I will immediately
inform you of any inaccuracies or errors in
the said confirmation, failing which I shall
be deemed to have accepted and approved
conclusively the contents of the said
confirmation.
Nhng yu cu v Ti khon v Thu quy
The Account requirements and Tax as set

168
nh ti tng ng Khon 11, Khon 26 trong

phn "iu khon p d ng chung" l iu
khon b sung p d ng cho Ti khon u
t c a ti.
forth in Clause 11, Clause 26 respectively in

the section entitled Terms Applicable
Generally are additional terms that apply
to my Investment Account.
3. Thanh ton
3. Settlement
3.1. Mi bn s
thc hin mi khon thanh
ton cc khon tin hoc giao cc ti sn
c ch nh trong tng Xc nhn v hiu
cng vi Tha thun vo Ngy Thanh ton.
Tuy nhin, ngn hng s
khng c ngha v
thanh ton bt k khon tin no hoc giao
bt k ti sn no theo bt k Hp ng no
cho n khi ti giao hp l cho ngn hng
bt k khon tin no n hn v phi c
ti thanh ton hoc bt k ti sn no m ti
n hn phi giao vo hoc trc ngy .
3.1 Each party will make each payment of

the amounts or delivery of the assets as
specified in each Confirmation and read in
conjunction with the Agreement on the
Settlement Date. However, you shall not be
obliged to pay any amount or deliver any
asset under any Contract until I have duly
delivered to you any amount due and
payable by me or any asset due to be
delivered by me on or before that date.
3.2. Ngha v c a ngn hng i vi vic

thanh ton bt k khon tin no v giao
bt k ti sn no n hn theo on 3.1
trn ty thuc vo (a) iu kin tin quyt l
khng xy ra hoc tip din s kin hoc
iu kin no to nn (hoc s kin hoc
iu kin no theo thi gian hoc vi vic
a ra thng bo hoc c hai trng hp c
th to nn) Hon cnh c bit; v (b) tng
3.2 Your obligation to pay any amount and

to deliver any assets due under paragraph
3.1 above is subject to (a) the condition
precedent that no occurrence or condition
which constitutes (or which with the
passage of time or the giving of notice or
both
would
constitute)
a
Special
Circumstance has occurred and is
continuing; and (b) each other applicable
170
iu kin tin quyt khc c th p d ng

c quy nh trong Tha thun.
condition precedent
Agreement.
specified
in
the
3.3. Nu theo kin c a ngn hng, vic

ngn hng thc hin bt k Hp ng no c
th tri vi bt k Lut hoc Quy nh php
lut hin hnh no, ngn hng c th thanh
ton cho ti khon tng ng bng Vit
Nam ng (Khon tng ng bng Ni
t) vi gi tr m ngn hng c yu
cu phi thanh ton cho ti bng Loi tin
Hp ng khc nu ngn hng thc hin
Hp ng , nu v trong phm vi ngn
hng c kin rng vic khng tri vi
bt k lut hin hnh no. Cho cc m c ch
c a iu ny, Khon tng ng bng Ni
t s
c tnh theo t gi giao ngay cao
nht m ngn hng cho bn ni t, ti thi
im hoc vo khong thi gian m ngn
hng chn vo ngy m ngn hng thc
hin thanh ton theo quy nh ny, i
ly Loi tin Hp ng m ngn hng l
ra
thanh ton cho ti nu ngn hng
thc hin Hp ng .
3.3 If in your opinion, it would be contrary to

any applicable Law or Regulation for you to
perform any Contract, you may, if and to
the extent that you are of the opinion that it
would not be contrary to any applicable law
to do so, pay to me the equivalent in
Vietnamese Dong (the Local Currency
Equivalent) of the amount that you would
have been required to pay to me in a
different Contract Currency if you had
performed such Contract. For the purposes
of this provision, the Local Currency
Equivalent shall be calculated at the best
spot rate at which you offer to sell the local
currency, at or about a time chosen by you
on the date on which you make payment in
accordance with this provision, in exchange
for the Contract Currency that you would
have paid to me if you had performed such
Contract.
4. Cam oan v Bo m
4. Representations and Warranties
Ti cam oan v bo m vi ngn hng (v

cc cam oan v bo m s
c xem l
I represent and warrant to you (which

representations and warranties will be
171
c ti ti khng nh vo mi thi im

mt Hp ng c k kt) rng:
deemed to be repeated by me each time a

Contract is entered into) that:
(a) Vic ti k, giao v thc hin cc ngha

v c a ti theo Tha thun v theo tng
Hp ng c cho php hp l bi tt c
cc hnh ng cn thit, l hp php v hp
l v khng:
(a) The execution, delivery and performance by

me of my obligations under the Agreement
and under each Contract have been duly
authorised by all necessary action, are legal
and regular and do not:
(i) cn phi c bt k chp thun hoc ph

duyt no cha xin c c a bt k ngi
no;
(i) require any consent or approval of any

person which has not already been
obtained;
(ii) vi phm bt k quy nh no c a bt k

Lut hoc Quy nh php lut, quy tc hoc
quy nh no, hoc quy nh c a bt k lnh,
phn quyt, lnh ngn chn, ngh nh,
quyt nh hoc phn quyt no c a bt k
cc ta n no hoc bt k c quan hoc t
chc t php, hnh chnh hoc chnh ph
no hin c hiu lc v c kh nng p d ng
i vi ti; hoc
(ii) violate any provision of any Law or

Regulation, rule or regulation,
or of any
order, judgment, injunction, decree,
determination or award of any courts or any
judicial, administrative or governmental
authority or organisation presently in effect
having applicability to me; or
(iii) lm pht sinh vi phm i vi, hoc to

nn sai phm theo, cc iu khon c a bt
k th chp, cam kt, vn bn, tha thun
vay hoc bt k tha thun hoc vn kin
no khc m ti l mt bn hoc theo ti
hoc bt k cc ti sn no c a ti c th b
rng buc hoc b nh hng, hoc bt k
(iii) result in the breach of, or constitute a

default under, the terms of any mortgage,
bond, deed, loan agreement or any other
agreement or instrument to which I am a
party or by which I or any of my properties
may be bound or affected, or any other
172
cc ngha v hoc nhim v no khc rng

buc i vi ti hoc ti phi tun theo.
obligations or duty binding on me or to

which I am subject.
(b) Tha thun v mi Hp ng xc lp cc

ngha v php l, hp l v rng buc v c
kh nng thi hnh theo cc iu khon tng
ng c a Tha thun v mi Hp ng .
(b) The Agreement and each Contract

constitute my legal, valid and binding
obligations enforceable in accordance with
their respective terms.
(c) Tt c cc thng tin m ti cung cp lin

quan n Tha thun v mi Hp ng l
tht, hon chnh v chnh xc v mi kha
cnh quan trng.
(c) All information supplied by me in

connection with the Agreement and each
Contract is true, complete and accurate in
all material respects.
(d) Cc giao dch c d liu bi Tha

thun v mi Hp ng nm trong quyn
hn v kh nng c a ti.
(d) The transactions contemplated by the

Agreement and each Contract are within
my powers and capacity.
(e) Khng c Hon cnh c bit hoc s

kin no m theo thi gian hoc vi vic a
ra thng bo, hoc c hai trng hp, xc
lp Hon cnh c bit xy ra v tip
din hoc c th xy ra do vic k kt hoc
thc hin cc ngha v c a ti theo Tha
thun hoc theo bt k Hp ng no.
(e) No Special Circumstance or event which

with the passing of time or the giving of
notice, or both, would constitute a Special
Circumstance has occurred and is
continuing or would occur by reason of my
entering into or performing my obligations
under the Agreement or under any
Contract.
(f) Cc th t c (nu c) cha c gii quyt

hoc c kh nng xy ra i vi ti theo lut,
hoc trc bt k c quan nh nc no,
nu b xc nh bt li i vi ti, nhn chung
(f) The proceedings (if any) pending or

threatened against me at law, or before any
State authority, if adversely determined
against me, will not, in the aggregate,
173
s
khng nh hng nghim trng n kh
nng c a ti i vi vic thc hin cc ngha
v c a ti theo Tha thun hoc theo bt k
Hp ng no, v khng c th t c no nh
vy d kin nh hng n tnh hp php,
tnh hp l hoc kh nng thi hnh c a Tha
thun hoc bt k Hp ng no.
materially impair my ability to perform my

obligations under the Agreement or under
any Contract, and there is no such
proceeding which purports to affect the
legality, validity or enforceability of the
Agreement or any Contract.
(g) Theo lut hin hnh, tr khi c ngn

hng thng bo khc i bng vn bn trc
ngy k Tha thun, vic khu tr hoc gi
li (d l cho cc khon thu hoc cc khon
khc) s
khng b yu cu phi c thc
hin i vi bt k khon thanh ton no m
ti thc hin theo Tha thun hoc theo bt
k Hp ng no.
(g) Under applicable law, unless notified

otherwise to you in writing prior to the date
of the Agreement, no deduction o
r
withholding (whether on account of taxes
or otherwise) will be required to be made
from any payment to be made by me under
the Agreement or under any Contract.
(h) Nu ti l c nhn, ti c nng lc hnh

vi dn s y theo lut Vit Nam cho vic
k kt Tha thun v tng Hp ng v cho
vic ti thc hin cc ngha v c a ti theo
Tha thun v theo tng Hp ng.
(h) If I am individual, I have full civil capacity

under the laws of Vietnam for signing the
Agreement and each Contract and for
performance by me of my obligations under
the Agreement and under each Contract.
(i) Ti tun th bt k Lut hoc Quy nh

php lut. Nu ti tr thnh cng dn Hoa
K vo bt c thi im no trong tng lai
hoc nu pht hin ra mt hoc nhiu du
hiu nhn bit Hoa K lin quan ti (cc) ti
khon c a ti dn ti vic (cc) ti khon
(i) I comply with any of Law or Regulation. If

I become a U.S. person at any time in the
future or if there is a finding of one or more
of U.S. indicia being associated with my
account(s) which would result in the
treatment of my account(s) as a U.S.
174
c a ti c xem nh (cc) ti khon c a

cng dn Hoa K, ti s
(i) thng bo cho
ngn hng ngay lp tc cp nht thng
tin hoc bt k thng tin theo yu cu
c a ngn hng ty tng thi im ngn
hng hoc bt k Nhm Cng ty c a ngn
hng tun th Lut hoc Quy nh php
lut, v (ii) hon tt v gi li cho ngn hng
sm nht c th bt k ti liu no lin quan
n cc khon thu c a Hoa K hoc ti liu
min tr thu m c th p d ng i vi ti
v ngn hng c th yu cu ty tng thi
im.
persons account(s), I will (i) contact you

immediately to update such information or
any information as you require from time to
time to enable you or any of your Group
Companies to comply with any Law or
Regulation; and (ii) complete and return to
you as soon as possible any relevant U.S.
tax or waiver documentation that may
apply to me or that you may request from
time to time.
5. Cam kt Th c hin
5. Affirmative Covenants
Ti cam kt rng:
I undertake that:
(a) ti s
tun th v mi phng din quan
trng tt c cc lut, quy tc, quy nh v
lnh hin hnh, v vic khng tun th cc
lut, quy tc, quy nh v lnh hin hnh
c th nh hng bt li nghim trng n
hot ng hoc hot ng kinh doanh hoc
tn d ng c a ti hoc nh hng nghim
trng n kh nng c a ti i vi vic thc
hin cc ngha v c a ti theo Tha thun
hoc theo bt k Hp ng no. Ti s
nhn
c v thc hin ton b cc cho php,
(a) I will comply in all material respects with

all applicable laws, rules, regulations and
orders, noncompliance with which would
materially adversely affect my operations
or business or credit or materially impair
my ability to perform my obligations under
the Agreement or under any Contract. I will
obtain and make all statutory, corporate
and
governmental
authorizations,
approvals and filings which may be required
from time to time in order for me to
175
chp thun v trnh chnh ph, doanh

nghip v theo php lut c th cn thit
ty tng thi im ti thc hin cc ngha
v ca ti theo Tha thun v theo mi Hp
ng;
perform my obligations under

Agreement and under each Contract;
the
(b) trong trng hp ti l m t cng ty,

trong vng su (6) thng k t khi kt thc
tng nm ti chnh ca ti, nu ngn hng
c yu cu, ti s g
i cho ngn hng b n sao
cc bo co k ton v bo co ti chnh
kim ton ca ti (v cc bo co k ton
hp nht kim ton ca ti v cc cng ty
con, cng ty lin kt hoc cng ty lin doanh
(nu c) ca ti) i vi mi nm ti chnh; v
(b) where I am a corporation, I will send to

you within six (6) months of the end of each
of my financial years, if requested by you, a
copy of my audited accounts and financial
statements (and the consolidated audited
accounts from me and my subsidiary,
associate or joint venture companies (if
any)) in respect of each financial year; and
(c) ti s ngay lp tc thng bo cho ngn

hng bng vn b n v vic x y ra bt k s
kin no c quy nh ti on 7.1, hoc
Hon c nh c bit hoc s kin no m
theo thi gian hoc vi vic a ra thng
bo, hoc c hai trng hp, s c th xc
lp m t Hon c nh c bit, v v cc bin
php m ti thc hin khc phc cc s
kin hoc Hon c nh c bit .
c) I will forthwith notify you in writing of the

occurrence of any event specified in
paragraph 7.1, or Special Circumstance or
event which with the passing of time, the
giving of notice, or both, would constitute a
Special Circumstance, and of the steps
being taken by me to remedy the same.
6. Hp ng B tr
6. Offsetting Contracts
6.1. Cc hp ng c cc c im chung m
6.1 Contracts which have such common

176
ngn hng c th xt thy ph hp v l b n

ngc li ca nhau c th c ngn hng
xem xt b tr v gi i tr cho nhau ton
b , hoc m t phn trong trng hp cc
Hp ng c cc gi tr khc nhau. Trong
trng hp b tr v gi i tr m t phn, phn
cn li ca Hp ng khng c b tr v
gi i tr s tip tc l m t Hp ng v tt c
cc mc ch ca Tha thun. Nu vic b
tr cn ph i thc hin vic chuyn i
loi tin ny sang loi tin khc, ngn hng
bng vn b n ny c y quyn mua
loi tin t khc cho kho n tin thc
hin vic i tin, s
dng t gi hi oi ti
ngy lin quan. Bt k ngha v ca bt k
hp ng no m ngn hng la chn s
dng thc hin vic b tr s c xem

nh n hn hoc tr nn n hn v
ph i tr (trong phm vi cn thit thc
hin vic b tr ).
features as you may consider appropriate

and which are the reverse of each other
may be considered by you to offset and
discharge each other wholly, or partially
where the Contracts are for different
amounts. In the case of a partial setoff and
discharge, the remaining portion of the
Contract which is not partially setoff and
discharged shall continue to be a Contract
for all purposes of the Agreement. If such
setoff requires the conversion of one
currency into another, you are hereby
authorized to purchase with such monies
any other currencies to effect such
application using the rate of exchange at
the relevant date. Any obligation of any
contract which you elect to use to effect a
setoff shall be deemed to have matured or
become due and payable (to the extent
required to effect such setoff).
6.2. Vo hoc trc Ngy Thanh ton i vi

bt k Hp ng no, ti c th yu cu
ngn hng v ngn hng, theo ton quyn
quyt nh ca ngn hng, c th k kt m t
hoc nhiu Hp ng c thc hin
hoc thanh l cc ngha v n hn theo
Hp ng trc bng chi ph ca ti theo
6.2 On or before the Settlement Date for

any Contract, I may request you and you at
your absolute discretion may enter into one
or more Contracts in exchange for or
liquidation of the obligations maturing
under that previous Contract at my expense
upon such terms as you may prescribe.
177
cc iu kho n m ngn hng c th quy nh.

6.3. Nu ngn hng k kt m t Hp ng
lm pht sinh ngha v cho cng Ngy Gi tr
v bng cng loi tin nh l ngha v hin
hu ti thi im gia ngn hng v ti,
th, ngay khi k kt Hp ng , mi ngha
v nh vy s t ng v khng cn hnh
ng b sung, ln lt b hy b m t cch
ring bit v ng thi c thay th bng
ngha v mi cho Ngy Gi tr . Ngha v
mi s c xc nh nh sau: cc kho n
tin bng loi tin l ra c th c mi
bn giao vo Ngy Gi tr s c c ng li v
bn c tng gi tr ln hn s c ngha v
mi l giao cho bn cn li kho n tin bng
loi tin m bng loi tin tng gi tr ca
bn cao hn tng gi tr ca bn cn li,
vi iu kin l nu tng cc kho n tin
bng nhau, s khng c ngha v mi no
pht sinh.
6.3 If you enter into a Contract giving rise to

an obligation for the same Value Date and
in the same currency as a then existing
obligation between you and I, then,
immediately upon entering into such
Contract, each such obligation shall
automatically and without further action be
individually cancelled and simultaneously
replaced by a new obligation for such Value
Date. The new obligation shall be
determined as follows: the amounts of such
currency that would otherwise have been
deliverable by each party on such Value
Date shall be aggregated and the party with
the larger aggregate amount shall have a
new obligation to deliver to the other party
the amount of such currency by which its
aggregate amount exceeds the other
partys aggregate amount, provided that if
the aggregate amounts are equal, no new
obligation shall arise.
6.4. Cc quy nh trong on 6 ny s c

p dng cho d ngn hng hoc ti khng
ghi nhn cc ngha v trong cc s sch
tng ng ca mnh, hoc l ngn hng
khng th hin tnh trng cc giao dch ca
6.4 The provisions in this paragraph 6 shall

apply notwithstanding that either you or I
may fail to record the obligations in our
respective books, or you may fail to show
the status of my transactions in any
178
ti trong bt k sao k, Xc nhn hoc vn

b n no khc, ph hp vi cc ngha v .
statement,
Confirmation
or
other
documents, in accordance therewith.
6.5. Cc quy nh trong on 6 ny s khng

c p dng i vi bt k Hp ng no
c k kt sau Ngy Chm dt [hoc vo
hoc sau ngy n xin ph s n c a ra
i vi ti].
6.5 The provisions in this paragraph 6 shall

not apply to any Contract concluded after a
CloseOut Date [or on or after the date on
which a bankruptcy petition has been
presented against me].
7. Chm dt Hp ng v Ti khon u t
7. Termination of Contracts and Investment

Accounts
7.1. Tt c cc Hp ng v ngha v ca cc

bn lin quan n cc Hp ng s c
xem l t ng chm dt vo thi im
ngay trc khi x y ra bt k s kin no sau
y:
7.1 All Contracts and the obligations of the

parties in connection therewith shall be
deemed to have been terminated
automatically as of the time immediately
preceding the occurrence of any of the
following events:
(a) ti khng tun th bt k iu kho n no

trong s cc iu kho n u t ny;
(a) my failure to comply with any of these

Investment Terms;
(b) bt u hoc khi u bt k th tc ph

s n, mt kh nng thanh ton, t chc li,
thu xp, kht n, gi i th, thanh l hoc bt
k th tc tng t no lin quan n ti
theo bt k lut hin hnh no, qua n xin,
n ngh, tip nhn lnh ngn chn hoc
hnh thc khc;
(b) the institution or commencement by

petition, application, entry of an order for
relief or otherwise of any bankruptcy,
insolvency, reorganisation, arrangement,
composition of debt, dissolution, liquidation
or any similar proceeding relating to me
under any applicable law;
179
(c) tn ti cc c s a ra n xin tuyn

b ph s n i vi ti hoc bt k ngi b o
lnh no ca ti;
(c) grounds exist for the presentation of a

bankruptcy petition against me or any of
my guarantors;
(d) thanh l vin, ngi qu n l ti s n,

ngi gim h , ngi qu n l theo php lut
hoc cn b tng t c ch nh hoc
bn nhn b o m chim gi ti hoc ton
b hoc bt k phn ng k no trong ti
s n hoc cng vic kinh doanh ca ti;
(d) a receiver, trustee, custodian, judicial

manager or similar official is appointed or
an encumbrancer takes possession
o f
me or the whole or any substantial part of
my property or undertaking;
(e) vic thc hin bt k cc ngha v no

trong b n iu kho n v iu kin ny tr
nn khng th thc hin;
(e) performance of any obligations in these

Terms and Conditions becomes impossible;
(f) Ngn hng ng Ti kho n ca ti theo

Lut v Quy dnh php lut, c bit l cc
quy nh v FATCA.
(f) closure of my account by you in order to

comply with Law or Regulation, especially
FATCA requirements.
v ngn hng c th (khng cn c yu cu

v thng bo b sung g
i n ngn hng)
chm dt Ti kho n u t ca ti (c
nh ngha di ti phn Ti kho n u
t).
and you may (without further demand or

notice to you) terminate my Investment
Account (defined below under Investment
Account).
7.2. Ngoi ra, bt k m t trong cc hon

c nh no sau y s l Hon c nh c bit:
7.2 In addition, any one of the following

circumstances
shall
be
a
Special
Circumstance:
(a) nu ti khng thanh ton hp l bt k

kho n tin no theo vn b n ny khi n
(a) if I fail duly to pay any amount

hereunder when due or, if payable on
180
hn, hoc khi c yu cu, nu ph i thanh

ton theo yu cu, hoc giao bt k ti s n
c s no c yu cu theo bt k Hp
ng no khi n hn hoc khi c yu cu,
nu ph i giao theo yu cu;
demand, on demand or to make delivery of

any underlying asset as required under any
Contract when due or, if deliverable on
demand, on demand;
(b) nu bt k cam oan, tuyn b v b o

m no c ti a ra hoc ng theo
hoc lin quan n Tha thun b chng
minh l khng chnh xc hoc sai lch trong
bt k phng din quan trng no khi c
a ra;
(b) if any representation, statement and

warranty made or implied by me under or in
connection with the Agreement is proved to
have been incorrect or misleading in any
material respect when made;
(c) nu ti khng thc hin hoc tun th

bt k iu kho n hoc iu kin no trong
Tha thun m ti ph i thc hin hoc tun
th;
(c) if I fail to perform or observe any term or

condition contained in the Agreement on
my part to be performed or observed;
(d) s kin vi phm (d c m t nh th

no) theo bt k tha thun, th chp, hp
ng hoc cng c no lm cho bt k
kho n n hoc trch nhim thanh ton no
tr nn hoc b tuyn b hoc c kh nng
b tuyn b l n hn v ph i thanh ton
trc ngy m kho n n hoc trch nhim
c th tr nn n hn v ph i thanh
ton theo hnh thc khc hoc nu ti
khng thanh ton hp l bt k kho n tin
no theo bt k tha thun no khi n hn
(d) an event of default (howsoever described)

under any agreement, mortgage, indenture
or instrument which results in any of my
indebtedness or liability becoming or being
declared or capable of being declared due
and payable prior to the date on which it
would otherwise become due and payable
or if I fail duly to pay any amount under any
such arrangement when due or on demand;
181
hoc khi c yu cu;

(e) bt k thay i bt li quan trng no i
vi tnh hnh ti chnh ca ti m theo kin
ca ngn hng c th nh hng n kh
nng tun th cc ngha v ca ti theo vn
b n ny;
(e) any material adverse change in my

financial position which in your opinion may
affect my ability to comply with my
obligations hereunder;
(f) trong trng hp ti l m t c nhn, nu

ti cht hoc khng cn nng lc tr tu;
hoc
(f) where I am an individual, if I become

deceased or cease to have mental capacity;
or
(g) nu ti hp nht vi, hoc sp nhp vo,

hoc chuyn nhng ton b hoc phn
ng k cc ti s n ca ti cho, m t t chc
hoc ngi khc v ti thi im hp nht,
sp nhp hoc chuyn nhng, t chc hay
ngi nhn chuyn nhng khng gnh chu
tt c cc ngha v ca ti theo Tha thun
v bt k l do no.
(g) if I consolidate or amalgamate with, or

merge into, or transfer all or substantially
all my assets to, another entity or person
and at the time of such consolidation,
amalgamation, merger or transfer, the
transferee entity or person fails to assume
all my obligations under the Agreement for
any reason whatsoever.
Vo bt k thi im no khi Hon c nh c

bit ang tip din, ngn hng c th, theo
ton quyn quyt nh ca ngn hng, bng
thng bo g
i n ti, nu r Hon c nh c
bit hoc cc Hon c nh c bit c lin
quan v (i) tuyn b ton b cc Hp ng
v ngha v ca cc bn lin quan n cc
Hp ng b chm dt vo ngy c ch
At any time while a Special Circumstance is

continuing, you may, at your sole and
absolute discretion, by notice to me specify
the relevant Special Circumstance or
Special Circumstances and (i) declare all
Contracts and the obligations of the parties
in connection therewith be terminated as of
the date specified in such notice, and the
182
nh trong thng bo , v cc Hp ng

v cc ngha v s chm dt vo ngy
(d cho Hon c nh c bit hoc cc Hon
c nh c bit c tip din vo ngy
hay khng); v (ii) chm dt Ti kho n u
t (c nh ngha di) m khng cn
yu cu hoc thng bo g
i n ti.
Contracts and such obligations shall so

terminate as of such date (whether or not
such Special Circumstance or Special
Circumstances are continuing on such
date); and (ii) terminate the Investment
Account (defined below) without further
demand or notice to me.
7.3. Nu m t trong hai bn b ngn c n hoc

c n tr hoc tr hon do bt k s kin bt
kh khng hoc hnh ng no ca Nh
nc trong vic giao hoc thanh ton bt k
loi tin no lin quan n bt k Hp ng
no, hoc nu vic m t trong hai bn thc
hin hoc nhn bt k kho n thanh ton no
lin quan n bt k Hp ng no tr nn
bt hp l, bt hp php hoc khng th
thc hin, th bn c vic thc hin b ngn
c n, c n tr hoc tr hon hoc tr nn bt
hp l, bt hp php hoc khng th thc
hin ph i ngay lp tc g
i thng bo cho
bn cn li v m t trong hai bn c th, khi
nhn c thng bo ca bn cn li, chm
dt v thanh l (cc) Hp ng b nh hng
theo on 8.
7.3 If either party is prevented from or

hindered or delayed by reason of any force
majeure or act of State in the delivery or
payment of any currency in respect of any
Contract or if it becomes unlawful, illegal or
impossible for either party to make or
receive any payment in respect of any
Contract, then the party for whom such
performance has been prevented, hindered
or delayed or has become unlawful, illegal
or impossible shall promptly give notice to
the other party and either party may, upon
notice to the other party, closeout and
liquidate the affected Contract(s) in
accordance with paragraph 8.
8. Chm dt v Thanh l
8. Closeout and Liquidation

183
8.1. Nu bt k cc s kin no c quy

nh trong on 7.1 hoc 7.3 x y ra, hoc
Hon c nh c bit x y ra v ang tip
din, th ngn hng s c quyn chm dt v
thanh l theo cch thc c quy nh
di ton b cc Hp ng cha thi hnh
(nu on 7.1 hoc 7.2 c p dng), hoc
cc Hp ng cha thi hnh b nh hng
(nu on 7.3 c p dng) (ngoi tr
trng hp m t s Hp ng c th khng
b chm dt hoc thanh l theo lut hin
hnh hoc theo kin thin ca ngn
hng), bng thng bo g
i n ti (tuy
nhin, vi iu kin l, trong trng hp
on 7.1, vic chm dt v thanh l s c
t ng thc hin lin quan n cc Hp
ng cha thi hnh m khng cn bt k
thng bo no). Trong trng hp vic
chm dt v thanh l c thc hin, vic
chm dt hoc thanh l s c thc hin
bng cch chm dt mi Hp ng cha thi
hnh (bao gm, nhng khng gii hn n
bt k Hp ng no cha c thc hin v
lin quan n Hp ng Ngy Thanh ton
ri vo hoc trc Ngy Chm dt) sao cho
mi Hp ng nh vy b hy b, v ngn
hng s tnh ton Li Kt ton (nh c
nh ngha ti on (c) di) hoc, nu ph
8.1 If any of the events specified in

paragraph 7.1 or 7.3 has occurred, or a
Special Circumstance has occurred and is
continuing, then you shall have the right to
closeout and liquidate in the manner
described below all (if paragraph 7.1 or 7.2
applies), or the affected (if paragraph 7.3
applies) outstanding Contracts (except
where certain of such Contracts may not
under applicable law or in your good faith
opinion be closedout and liquidated), by
notice to me (provided, however, that in the
case of paragraph 7.1, such closeout and
liquidation shall be automatic as to all
outstanding Contracts without any notice).
Where such closeout and liquidation is to
be effected, it shall be effected by closing
out each outstanding Contract (including,
but not limited to any Contract which has
not been performed and in respect of which
the Settlement Date is on or precedes the
CloseOut Date) so that each such Contract
is cancelled, and you shall calculate in good
faith with respect to each such cancelled
Contract the Closing Gain (as defined in
subparagraph (c) below) or, as appropriate,
Closing Loss (as defined in subparagraph
(c) below), as follows:
184
hp, L Kt ton (nh c nh ngha ti

on (c) di), trn tinh thn thin ch lin
quan n mi Hp ng b hy b nh vy,
nh sau:
(a) i vi mi Hp ng c ngha v Hp
ng bng loi tin khng ph i l Loi tin
Tham kh o, tnh Gi tr Chm dt ca Hp
ng bng cch chuyn i kho n tin ca
ngha v Hp ng thnh Loi tin Tham
kh o theo t gi giao ngay p dng ti thi
im chuyn i hoc t gi khc theo quy
nh ca lut hin hnh;
(a) for each such Contract the obligation of

which is denominated in a currency other
than the Reference Currency, calculate its
CloseOut Amount by converting the
amount of such Contract obligation into the
Reference Currency at the spot rate of
exchange applicable at the time of
conversion or such other rate as may be
prescribed by applicable law;
(b) lin quan n mi Ngy Thanh ton, xc

nh:
(b) determine in relation to each Settlement

Date:
(i) s tin ca ton b cc Gi tr Chm dt

lin quan n cc Hp ng m theo , v
ca tt c cc Hp ng bng Loi tin
Tham kh o m theo ngn hng l ra
c ngha v giao kho n tin c lin quan cho
ti vo Ngy Thanh ton ; v
(i) the sum of all CloseOut Amounts

relating to Contracts under which, and of all
Contracts in the Reference Currency under
which you would otherwise have been
obliged to deliver the relevant amount to
me on that Settlement Date; and
(ii) s tin ca tt c cc Gi tr Chm dt

lin quan n cc Hp ng m theo , v
ca tt c cc Hp ng bng Loi tin
Tham kh o m theo ngn hng l ra
c quyn nhn kho n tin c lin quan
(ii) the sum of all CloseOut Amounts

relating to Contracts under which, and of all
Contracts in the Reference Currency under
which you would otherwise have been
entitled to receive the relevant amount on
185
vo Ngy Thanh ton ;
that Settlement Date;
(c) nu s tin c xc nh theo on

(b)(i) nhiu hn s tin c xc nh theo
on (b)(ii), th phn chnh lch s l L
Kt ton cho Ngy Thanh ton ; nu s
tin c xc nh theo on (b)(i) t hn s
tin c xc nh theo on (b)(ii), th phn
chnh lch s l Li Kt ton cho Ngy
Thanh ton ;
(c) if the sum determined under sub

paragraph (b)(i) is greater than the sum
determined under subparagraph (b)(ii), the
difference shall be the Closing Loss for
such Settlement Date; if the sum
determined under (b)(i) is less than the sum
determined under (b)(ii), the difference
shall be the Closing Gain for such
Settlement Date;
(d) trong phm vi c lut hin hnh cho

php, iu chnh Li Kt ton hoc L Kt
ton cho mi Ngy Thanh ton ri vo sau
Ngy Chm dt theo gi tr hin ti bng
cch chit khu Li Kt ton hoc L Kt
ton t Ngy Thanh ton n Ngy Chm
dt, theo li sut chiu khu ca Loi tin
Tham kh o, hoc theo li sut khc theo
quy nh ca lut hin hnh;
(d) to the extent permitted by applicable

law, adjusting the Closing Gain or Closing
Loss for each Settlement Date falling after
the CloseOut Date to present value by
discounting the Closing Gain or Closing Loss
from the Settlement Date to the CloseOut
Date, at the Reference Currency discount
rate, or at such other rate as may be
prescribed by applicable law;
(e) tng hp cc kho n tin sau y sao cho

ton b cc kho n tin thnh m t kho n
thanh ton rng duy nht ph i thanh ton
bi hoc cho ngn hng:
(e) aggregating the following amounts so

that all such amounts are netted into a
single liquidated net amount payable by or
to you:
(i) s tin ca cc kho n Li Kt ton cho

mi Ngy Thanh ton c chit khu n
gi tr hin ti, khi ph hp, theo cc quy
(i) the sum of the Closing Gains for all

Settlement Dates discounted to present
value, where appropriate, in accordance
186
nh ca vn b n ny (v cho mc ch ca

vic tng hp ny, ph i l m t s dng); v
with the provisions hereof (which for the

purposes of this aggregation shall be a
positive figure); and
(ii) s tin ca cc kho n L Kt ton cho

mi Ngy Thanh ton c chit khu n
gi tr hin ti, khi ph hp, theo cc quy
nh ca vn b n ny (v cho mc ch ca
vic tng hp ny, ph i l m t s m); v
(ii) the sum of the Closing Losses for all

Settlement Dates discounted to present
value, where appropriate, in accordance
with the provisions hereof (which for the
purposes of the aggregation shall be a
negative figure); and
(f) nu kho n tin rng sau khi tng hp l

s dng, kho n tin s c ti thanh
ton cho ngn hng v nu kho n tin l
s m, th gi tr tuyt i ca kho n tin
s c ngn hng thanh ton cho ti.
(f) if the resulting net amount is positive, it

shall be payable by me to you and if it is
negative, then the absolute value of such
amount shall be payable by you to me.
8.2. Kho n thanh ton rng m m t bn

ph i thanh ton cho bn cn li theo on
ny ph i c thanh ton vo lc kt thc
hot ng kinh doanh vo Ngy Lm vic
sau khi thanh l tt c cc Hp ng (c
chuyn i thnh bt k loi tin no khc
theo yu cu ca lut hin hnh, v bt k
chi ph chuyn i no nh vy s do ti
gnh chu, v c khu tr vo bt k
kho n thanh ton no cho ti).
8.2 The net amount payable by one party to

the other party pursuant to this paragraph
shall be paid by the close of business on the
Business Day following the liquidation of all
such Contracts (converted as required by
applicable law into any other currency, any
such costs of conversion to be borne by,
and deducted from any payment to, me).
8.3. Cc bn ng rng cc kho n tin c

th thu hi theo on 8 ny l c tnh tn
8.3 The parties agree that the amounts

recoverable under this paragraph 8 are a
187
tht s b hp l ch khng ph i l tin

pht. Cc kho n tin s c thanh ton
cho vic mt kh nng hon thnh giao dch
v mt s b o v i vi cc ri ro tng lai
v, tr khi c quy nh khc i trong Tha
thun, khng bn no c quyn thu hi
bt k tin bi thng thit hi b sung no
do cc tn tht .
reasonable preestimate of loss and not a

penalty. Such amounts are payable for the
loss of bargain and the loss of protection
against future risks and, except as
otherwise provided in the Agreement,
neither party will be entitled to recover any
additional damages as a consequence of
such losses.
8.4. (a) Bng vn b n ny ti th chp vi

th t u tin cao nht ton b cc Kho n
u t trong Ti kho n u t ca ti v tt
c cc quyn v li ch lin quan n v gn
lin vi cc Kho n u t (Th chp)
cho ngn hng b o m cho cc ngha v
ca ti theo cc iu kho n u t. Ti s
ng k Th chp vi Cc ng k Quc gia
Giao dch B o m ngay khi c yu cu ca
ngn hng bng chi ph v ph tn ca ti v
cung cp cho ngn hng b n gc ca chng
nhn ng k th chp do Cc ng k Quc
gia Giao dch B o m ban hnh m ngn
hng c th chp nhn c.
8.4 (a) I hereby grant a first priority

mortgage over all Investments standing in
my Investment Account(s) and all rights and
interests arising out thereof and attached
thereto (the Mortgage) to the Bank to
secure my obligations under the Investment
Terms. I shall register the Mortgage with
the National Registration Agency for
Secured Transactions (the NRAST) upon
your request at my cost and expense and
give you the original copy of registration
certificate of the mortgage issued by the
NRAST acceptable to you.
(b) Nu bt k s kin no c quy nh

trong on 7.1 hoc 7.3 x y ra, hoc m t
Hon c nh c bit x y ra v ang tip
(b) If any of the events specified in

paragraph 7.1 or 7.3 has occurred, or a
Special Circumstance has occurred and is
188
din, ngn hng s c quyn, ngoi quyn

chm dt v thanh l, bng vic a ra m t
thng bo x
l ti s n b o m ph hp vi
lut, x
l tt c hoc m t phn ca Th
chp theo cch thc m ngn hng cho l
ph hp trong phm vi php lut Vit Nam
cho php. Ngn hng s ng k thng bo
x
l ti s n b o m theo quy nh ca
lut Vit Nam nu vic ng k l bt
bu c theo lut.
continuing, in addition to your right to

closeout and liquidate, you shall have the
right to, by giving an enforcement notice to
me in accordance with the laws, enforce all
or any part of the Mortgage in any manner
you sees fit to the extent permitted by the
laws of Vietnam. You shall register such
enforcement notice in accordance with the
laws of Vietnam if such registration is
required by law.
(c) Bt k kho n tin thu c no cn li

sau khi khu tr ton b cc chi ph v ph
tn lin quan n kho n tin v vic
thanh ton ton b cc kho n tin n hn
theo cc iu kho n u t ny s c
thanh ton cho ti. Trong trng hp kho n
tin thu c khng chi tr cho cc
kho n thanh ton nh vy, ti s ngay lp
tc thanh ton cho ngn hng kho n tin
thiu ht khi c yu cu.
(c) Any proceeds remaining after deducting

all costs and expenses in connection
therewith and payment of all amounts due
under these Investment Terms shall be paid
to me. In the event such proceeds are
insufficient to cover such payments, I shall
pay to you forthwith upon demand the
amount of any deficiency.
8.5. Theo ton quyn quyt nh ca ngn

hng, ngn hng c quyn quyt nh liu
c ng vi bt k yu cu no ca i i
vi vic chm dt m t Hp ng trc ngy
chm dt ca Hp ng v khi thc hin
quyt nh nh vy, ngn hng c th xem
8.6 You are entitled at your absolute

discretion to decide whether to accede to
any request by me to terminate a Contract
prior to its termination date and in making
such decision, you may take into account
the effect of such termination on any other
outstanding Contract under these
189
xt nh hng ca vic chm dt n bt

k Hp ng cha thi hnh no khc theo
cc iu kho n u t ny.
Investment Terms.
9. Giao ti sn
9. Delivery
M t s Hp ng c th quy nh vic thanh

ton tin mt cn m t s Hp ng c th
quy nh vic giao ti s n hoc cng c c
s khi thanh ton. Ty thu c vo Tha
thun v cc iu kho n ca Xc nhn, ti
c th nhn giao ti s n hoc cng c c s
trong bt k trng hp no c th thc
hin nh vy ty thu c vo vic ti thanh
ton ton b cc chi ph, ph tn v cc
kho n ph lin quan n vic thc hin giao
.
Certain Contracts may provide for cash

settlement while some may provide for
delivery of the underlying asset or
instrument upon settlement. I may, subject
to the Agreement and the terms of the
Confirmation, take delivery of the
underlying asset or instrument wherever it
is physically possible to do so subject to my
payment of all my expenses, costs and fees
involved in effecting such delivery.
10. Ti khon u t
10. Investment Account
10.1. Ty tng thi im v ty thu c vo bt

k Lut hoc Quy nh php lut hin hnh
no, ti c th yu cu hoc cho php ngn
hng:
10.1 Subject to any applicable Law or

Regulation, I may from time to time request
or authorise you to:
(a) u t tin vo (cc) Ti kho n, vi t

cch l i din ca ti, di tn ca ngn
hng, nhng ti s chu ri ro v trch
nhim, vo cc giao dch u t bao gm
khng gii hn, chng khon, qu, qu u
(a) invest funds in the Account(s), as my

agent in your name but for my sole risk and
account, in investment transactions
including without limitation, securities,
funds, unit trusts, foreign currencies, bonds
190
t tn thc, ngoi t, tri phiu hoc cc

cng c th trng tin t (cc Kho n u
t); v/hoc
or money market instruments

Investments); and/or
(the
(b) mua v bn cc Kho n u t m ti c

th ch th ngn hng ty tng thi im
thay mt v i din cho ti v/hoc v li
ch ca ti v ph hp vi cc ch th ca ti.
Trong trng hp ngn hng mua hoc bn
bt k Kho n u t no thay mt cho ti
hoc v li ch ca ti, ngn hng c th yu
cu ti m m t ti kho n ring bit cho mc
ch ny. Cc dn chiu n Ti kho n u
t s c hiu l dn chiu n Ti kho n
c lin quan hoc ti kho n ring bit nu
trn (ty tng trng hp).
(b) purchase and sell for and on my behalf

and/or for my account and in accordance
with my instructions such Investments as I
may direct you from time to time. Where
you purchase or sell any Investment on my
behalf or for my account, you may require
me to open a separate account for this
purpose. References to Investment
Account shall be construed as references
to the relevant Account or the aforesaid
separate account (as the case may be).
10.2. Ti kho n u t c th bao gm cc

Kho n u t bng m t hoc nhiu loi tin
v ngn hng c th duy tr Ti kho n u
t ty thu c vo cc quy tc v iu kin m
ngn hng c th quy nh ty tng thi
im.
10.2 The Investment Account may consist of

Investments in one or more currencies and
you will maintain it subject to such rules and
conditions as you may from time to time
prescribe.
10.3. Vic bn, mua, ng k mua, hon li,

chuyn nhng hoc chuyn i cc Kho n
u t (cc Giao dch) ph i tun th cc
Lut hoc Quy nh php lut, quy nh hin
hnh v quy tc v thng l th trng ti
10.3 The sale, purchase, subscription,

redemption, transfer or switching of
Investments (Transactions) are subject to
applicable lLaw or Regulation, regulations
and market rules and customs in the
191
quc gia ni cc Giao dch c k kt.
country where such Transactions are executed.
10.4. i vi bt k cc Kho n u t no

c mua, bn, ng k mua, hon li hoc
chuyn nhng thay mt ti, ti ng
rng:
10.4 In respect of any Investments

purchased, sold, subscribed, redeemed or
transferred for me, I agree that:
(a) bt k gi no m ngn hng bo i vi

bt k Kho n u t no vo hoc trc khi
ti t lnh s ch dng ch dn hoc
tham kh o; v
(a) any prices which you quote for any

Investment at or prior to my placing an
order will be for indication or reference
only; and
(b) bt k lnh no i vi vic k kt Giao

dch:
(b) any order for the execution of a

Transaction:
(i) s khng b hy ngang ngoi tr trng

hp c chp thun ca ngn hng; v
(i) shall not be revocable except with your

consent; and
(ii) s ch c ngn hng xem xt k kt

nu c a ra ph hp vi cc th tc
theo quy nh ca ngn hng v thi hn
ngng giao dch theo quy nh ca ngn
hng.
(ii) shall only be considered by you for

execution if made in accordance with your
prescribed procedures and your prescribed
cutoff time.
(c) D c quy nh ti on (b) trn, ngn

hng c th, theo ton quyn quyt nh
ca ngn hng, t chi tin hnh bt k lnh
no ca ti i vi vic k kt Giao dch.
(c) Notwithstanding subparagraph (b)

above, you may at your absolute discretion
refuse to carry out any of my orders to
execute a Transaction.
10.5. Ngn hng c th hnh ng vi t
10.5 You Citibankmay act as principal, agent

192
cch l bn y thc, i din hoc ngi mi

gii khi k kt bt k Giao dch no theo ch
th ca ti m ngn hng cho l ph hp.
or broker in executing any Transaction on

my instructions as you deem fit.
10.6. Ton b li, thu nhp, phn tng thm,

li nhun v tin thu c t vic bn cc
Kho n u t m ngn hng nhn c s
c ghi c vo Ti kho n u t.
10.6 All interest, income, accretions, gains

and proceeds of sales of Investments which
are received by you shall be credited to the
Investment Account.
10.7. Ti ng duy tr s d bnh qun hng

thng ti thiu (S d Ti thiu) trong Ti
kho n u t c th hin bi gi tr Kho n
u t v s d bn c bng kho n tin m
ngn hng c th quy nh ty tng thi
im. Ngn hng c th ng Ti kho n u
t m khng cn thng bo b sung cho ti
nu theo kin ca ngn hng, ti khng
duy tr S d Ti thiu v Ti kho n u t
khng hot ng trong vng [ba (03)]
thng.
10.7 I agree to maintain a minimum monthly

average balance (the Minimum Balance)
in the Investment Account represented by
the value of the Investment and credit
balance in such amount as you may from
time to time prescribe. You may close the
Investment Account without further notice
to me if in your opinion I fail to maintain the
Minimum Balance and the Investment
Account is inactive or dormant for [three
(03)] months.
10.8. M t trong hai bn c th chm dt Ti

kho n u t bng cch a ra cho bn cn
li thng bo bng vn b n trc ba mi
(30) ngy. Vic chm dt Ti kho n u t
s khng nh hng n cc quyn ca
ngn hng c ng dn trc khi chm dt
Ti kho n u t.
10.8 Either party may terminate the

Investment Account by giving to the other
thirty (30) days written notice. The
termination of the Investment Account
shall not affect your rights which accrued
prior to the termination of the same.
10.9. Khi chm dt Ti kho n u t v ty
10.9 Upon termination of the Investment

193
thuc vo vic p ng v thanh ton y

tt c cc ngha v m ti cn n ngn
hng v da vo Lut hoc Quy nh php
lut, ngn hng s chuyn tt c cc Khon
u t cho ti hoc ng i c ch nh ca
ti b
ng chi ph ca ti v theo cch thc m
ti c th yu cu mt cch hp l.
Account and subject to full satisfaction and

payment of all obligations which I owe you
and subject to Law or Regulation, you shall
transfer all the Investments to me or my
nominee at my cost in such manner as I may
reasonably request.
10.10. Ti cho php ngn hng k cc hp

ng ngoi hi cn thit hoc thch hp
to iu kin cho hoc tin hnh cc ch th
ca ti i vi cc Giao dch vo ngy tin
cn c chuyn i thnh cc loi tin
khc lin quan n cc Giao dch . Cc
Giao dch nh vy c th bao hm cc hp
ng ngoi hi s c thc hin theo t gi
hi oi hin hnh ty tng thi im do
ng i qun l c lin quan n nh.
10.10 I authorise you to enter into foreign

exchange contracts necessary or expedient
to facilitate or to carry out my instructions
for Transactions on the day when funds are
required to be converted into other
currencies in connection therewith. Such
Transactions may involve foreign exchange
contracts which shall be transacted at the
applicable exchange rate from time to time
fixed by the relevant manager.
10.11. Ti ng r
ng ngn hng c th
(nh ng khng c ngha v) l u gi v duy tr
bt k thng tin v vn bn no v v lin
quan n bt k Giao dch hoc cng vic
no lin quan n cc Khon u t ca ti
v Ti khon u t ty tng thi im ti
bt k ni no ngoi Vit Nam.
10.11 I agree that you may (but are not

obliged to) keep and maintain from time to
time in any place outside Vietnam any
information and documents of and relating
to any Transaction or dealings relating to
my Investments and the Investment
Account.
10.12. Khi c ngh hoc yu cu ca ngn
10.12 I agree, upon your request or demand

195
hng ti bt k thi im no v vo tng

thi im v b
ng chi ph ca ti, ti ng
ngay lp tc k, ng du v/hoc giao ton
b cc vn kin v vn bn v thc hin mi
hnh ng c th cn thit hoc ngn hng
c th yu cu, nh
m thc hin cc ngha v
v/hoc trch nhim ca ti i vi ngn
hng theo cc iu khon u t ny, v
nh
m hon thnh cc mc ch c trnh
by trong cc iu khon u t ny.
at any time and from time to time and at my

sole expense, to promptly execute, seal
and/or deliver all instruments and
documents and take all actions that may be
necessary or that you may request in order
to fulfil my obligations and/or liabilities to
you under these Investment Terms, and to
accomplish the purposes set out in these
Investment Terms.
10.13. Ngn hng s thu xp cc Khon

u t c mua thng qua hoc bi (v
vic qun l cc Khon u t c cung
cp bi) bt k qun l hoc i din phn
phi hoc i din no i vi Khon u t ,
hoc thng qua hoc bi ngn hng hoc
bn c ch nh, i din hoc ng i mi
gii ca ngn hng, k c bt k cng ty lin
kt no ca ngn hng ( c gi chung l
Bn L u k) m ngn hng cho l ph hp.
Vic qun l cc Khon u t c th c
thc hin trn mt trong hai c s sau:
10.13 You will arrange for the Investments

to be purchased through or by (and their
custody provided by) any manager or
distribution agent or representative for the
Investment or through or by you or your
nominee, agent or broker, including any of
your affiliated companies (collectively
called the Depository) as you deem
appropriate. Custody of the Investments
may be held on either of the following
bases:
(a) cc Khon u t c kh nng c xc

nh ring l thuc v hoc c th quy cho
ch (cc) Ti khon c lin quan hoc theo
hnh thc khc (m ngn hng hoc Bn L u
k c th xc nh); hoc
(a) the Investments are capable of being

separately identified as belonging to or
attributable to the relevant Account(s)
holder or otherwise (as you or the
Depository may determine); or
196
(b) cc Khon u t khng c kh nng

c xc nh ring v s c tp hp li
sao cho cc khon u t m Bn L u k xt
l c cng tnh cht hoc cng loi s c
gi cng nhau.
(b) the Investments are not capable

being separately identified and will
pooled so that investments considered
the Depository to be the same nature
category will be held together.
of
be
by
or
Bn L u k s gi cc tp hp cc khon u

t cho cc ch ti khon c lin quan sao
cho mi ti khon s c quyn hoc phn
th h ng t ng ng ( c tng hoc gim
bi vic mua hoc bn sau ny) trong mi
tp hp cc khon u t c lin quan. Vic
qun l cc Khon u t ti bt k quc gia
no ngoi Vit Nam phi tun th cc lut,
quy nh v thng l hin hnh ca quc gia
.
The Depository will hold such pools for all

relevant account holders so that each
account will have a proportionate beneficial
entitlement or shares (as increased or
decreased by subsequent purchases or
sales) in each relevant pool. The custody of
Investments in any country is subject to the
applicable laws, regulations and customs of
that country.
10.14. Ngn hng s khng phi chu trch

nhim i vi bt k thit hi hoc tn tht
no pht sinh lin quan n vic qun l an
ton , cng nh bt k hnh ng, sai
phm hoc s sut no ca Bn L u k. Ti
ng r
ng ti s chu mi ri ro i vi cc
Khon u t ca ti c gi vi Bn L u
k. Ti hiu r
ng ti ch c th thi hnh cc
quyn ca ti i vi cc Khon u t
thng qua Bn L u k. Ngn hng hoc bt
k cng ty con, cng ty lin kt hoc cng ty
c lin quan no ca ngn hng s khng
10.14 You will not be responsible for any

damage or loss arising in connection with
such safe custody, nor any act, default or
negligence of the Depository. I agree that
my Investments are placed with a
Depository at my sole risk. I understand
that I may enforce my rights in respect of
such Investments only through the
Depository. You or any of your subsidiary,
associated or affiliated companies shall not
be liable if an Investment is subject to
acquisition, requisition, expropriation or
197
phi chu trch nhim nu Khon u t b

mua li, tr ng thu, tr ng dng hoc tch thu
hoc nu c bt k hn ch no i vi vic
chuyn v n c, kh nng chuyn nh ng
hoc vic phn phi Khon u t (hoc bt
k khon tin no c thc hin khi thanh
l khon u t ) hoc nu c bt k thit
hi, tn tht hoc gim bt i vi Khon
u t .
confiscation or if there is any restriction on

the
repatriation,
transferability
or
distribution of an Investment (or any fund
realised upon the liquidation of the
investment) or if there is any damage, loss
or diminution to the Investment.
10.15. i vi cc Khon u t khng c

gi vi Bn L u k, ti hiu r
ng ti c th t
do thc thi cc quyn ca ti i vi t chc
pht hnh hoc bn c lin quan khc m
khng cn tham kho kin vi ngn hng
hoc Bn L u k.
10.15 In respect of Investments not placed

with a Depository, I understand that I am at
liberty to enforce my rights against the
issuer or other relevant party without
reference to you or the Depository.
10.16. Cc Khon u t trong Ti khon

u t khng phi l cc khon tin gi
ngn hng v khng c xc nhn hoc
bo m bi v khng xc lp ngha v ca
ngn hng hoc Citigroup, Inc. hoc cc
cng ty con ca ngn hng hoc Citigroup,
Inc., m ch c vai tr, nu c, theo quy nh
10.16 Investments in the Investment

Account are not bank deposits and are not
endorsed or guaranteed by and do not
constitute an obligation of yours or
Citigroup, Inc. or its subsidiaries, whose
role, if any, is only as described in these
Terms and Conditions.
11. Quyt nh/Bi thng u t
11. Investment Decision/Indemnity
11.1. Ton b vic u t ch c thc hin
11.1 All investments are made solely upon my

198
theo phn on v theo quyn quyt nh

ca ti v ti s t chu ri ro. Khng c iu
g trong cc ti liu qung co, bo co u
t v/hoc bt k ti liu no m ngn hng
cung cp cho ti, cng nh bt k h s u
t khch hng no h ng dn cho ti, s
c ti hiu l t vn u t ca ngn hng
v tnh hp dn t ng i ca mt chn la
u t so vi chn la u t khc.
judgment and at my discretion and own risk.

Nothing in your brochures, investment
reports and/or any of your material
supplied to me, nor any customer
investment profiling conducted for me,
shall be construed by me as your
investment advice as regards the relative
attractiveness of one investment option
over another.
11.2. Ti yu cu ngn hng lin h vi ti v

bt k cc c hi u t no m ngn hng
tin r
ng ti c th quan tm. Ti hon ton
hiu r
ng (a) ngn hng khng c ngha v
cung cp cho ti cc thng tin ti chnh,
thng tin th tr ng hoc thng tin u t
hoc ngh u t ; (b) nu ngn hng thc
hin nh vy, ngn hng khng phi cung
cp cho ti cc thng tin ti chnh, thng tin
th tr ng hoc thng tin u t hoc
ngh u t nh l mt Dch v bt buc,
cng nh khng phi hnh ng vi t cch
l mt t vn; v (c) ngn hng khng chu
trch nhim v tnh chnh xc v trn vn
hay vic thc hin hoc kt qu ca bt k
vic u t no m ti thc hin sau khi
nhn c cc thng tin ti chnh, th tr ng
hoc u t hoc ngh u t .
11.2 I request you to contact me on any

investment opportunities that you believe
may be of interest to me. I fully understand
that (a) you are not obliged to provide me
with any financial, market or investment
information or suggestion; (b) if you so act,
you do not provide the same as a required
Service, nor act as an advisor; and (c) you
assume no responsibility for the accuracy
and completeness of or the performance or
outcome of any investment made by me
after receipt of the same.
1999
11.3. Nu ti thanh ton cho ngn hng b

ng
loi tin khng phi l Loi tin Hp ng,
d l theo Hp ng c lin quan hoc theo
phn quyt ca ta lin quan n Hp ng
c lin quan, ngn hng c quyn s dng
loi tin m ngn hng nhn c t ti
mua Loi tin Hp ng vo ngy tip theo
m ngn hng m ca giao dch sau khi
nhn c loi tin , theo cc th tc giao
dch ngn hng bnh th ng. Nu s tin ca
Loi tin Hp ng m ngn hng c th
mua thp hn s tin c tnh theo cc quy
nh ca Tha thun (d khon chnh lch
l do bin ng t gi hi oi hoc hnh
thc khc), ti s b i hon cho ngn hng
i vi khon chnh lch . [Ngha v ca
ti i vi vic b i th ng cho ngn hng l
ngha v ring bit d c bt k phn quyt
no ca ta.] Ti cng s b i hon cho ngn
hng i vi bt k cc chi ph no m ngn
hng phi gnh chu khi mua Loi tin Hp
ng.
11.3 If I pay you in a currency other than the

Contract Currency, whether under a
relevant Contract or pursuant to a
judgment of court relating to a relevant
Contract, you are entitled to use the
currency you receive from me to purchase
the Contract Currency on the next day you
are open for business following your receipt
of the same, according to normal banking
procedures. If the amount of Contract
Currency you are able to purchase is less
than the amount calculated pursuant to the
provisions of the Agreement (whether the
difference is as a result of a movement in
exchange rates or otherwise), I shall
indemnify you for the difference. [My
obligation to indemnify you is a separate
obligation notwithstanding any judgment of
court.] I shall also indemnify you against
any costs incurred by you in purchasing the
Contract Currency.
11.4. D c bt k vic i tr, b tr, trao

i, thanh l hoc chm dt cc ngha v
theo on 6 hoc 8 trong cc iu khon
u t ny, ti ng thanh ton cho ngn
hng khi ngn hng c yu cu v b i hon
11.4
Notwithstanding
any
netting,
offsetting, exchange, liquidation or closing
out of obligations under paragraph 6 or 8 in
these Investment Terms, I agree to pay to
you upon your demand and indemnify you
200
cho ngn hng i vi bt k khon tin no

cn n ngn hng lin quan n bt k trng
thi no l ra c b tr theo cc iu
khon u t ny, nh ng khng phi i vi
bt k hnh ng, s sut hoc vic mt kh
nng thanh ton ca bt k bn i tc no
ca hoc ng i mi gii hoc i din no
lin quan n bt k cc Hp ng c lin
quan no v bt k khon thanh ton no
(cng thm li sut v cc khon pht sau
) m ngn hng (hoc bt k Nhm Cng
ty ca ngn hng) trch t qu ring ca
mnh (hoc do Citibank thay mt ngn hng)
tr cho C quan c thm quyn mt Khon
thu nh quy nh ti Khon 26 ca phn
"iu khon p dng chung" m l ra phi
thu nh ng khng thu.
for any amount owing to you in connection

with any position which would have been
offset under these Investment Terms, but
for any act, omission or insolvency on the
part of any counterparty to or broker or
agent in respect of, any of the relevant
Contracts and any payment (plus any
interest and penalties thereon) that you (or
any of your Group Companies) made from
your or its own funds (or from Citibank on
your behalf) to Authorities in respect of an
amount that should have been, but was not,
a Collected Amount as set forth in Clause
26 in the section entitled Terms Applicable
Generally.
12. Cng nhn Ri ro
12. Risk Acknowledgement
12.1. Ti nhn thc c cc ri ro c th xy

ra lin quan n vic ti u t vo cc qu
u t , ngoi t, hng ha v/hoc Chng
khon bao g m nh ng khng gii hn n:
12.1 I am aware of the possible risks

associated with my investment in
investment funds, foreign currencies,
commodities and/or Securities including
but not limited to:
(a) Ri ro v Gi: Gi ca cc qu u t ,

ngoi t, hng ha v chng khon d gp
ri ro bin ng th tr ng c th dn n
(a) Price Risks: The prices of investment

funds, foreign currencies, commodities and
securities are subject to the risks of market
201
vic cc khon u t ny b gim gi tr. i

vi ngoi t, vic gim gi tr quy i ngoi
t so vi loi tin c s ca ti s lm gim
li nhun ca ti hoc thm ch c vn gc
m ti u t vo.
fluctuations which may result in these

investments being reduced in value. In
respect of foreign currencies, a decline in a
foreign currencys exchange value relative
to my base currency will reduce my
earnings or even my principal amount
invested therein.
(b) Ri ro Tn dng: Cc qu u t , hng

ha v chng khon khng c ngn hng
hoc bt k cc chi nhnh, cng ty lin kt
hoc cng ty con no ca ngn hng bo
m.
(b) Credit Risks: Investment funds, commodities

and securities are not insured by you or by
any of your branches, affiliates or
subsidiaries.
(c) Ri ro lin quan n T chc Pht hnh:

Cc ch th ca ti cho ngn hng i vi
vic mua bt k cc chng khon no l da
trn nh gi ca c nhn ti v t chc
pht hnh chng khon v vic nh gi
ca ti c th gp ri ro lin quan n t
chc pht hnh, bao g m nh ng khng gii
hn, vic t chc pht hnh khng giao
chng khon hoc thanh ton ng, hp l
hoc ng thi hn cho ngn hng v li ch
ca ti.
(c) Issuer Risks: My instructions to you to

purchase any securities are based on my
individual assessment of the
issuer of
such securities and the same are subject to
the risks of the issuer, including but not
limited to the failure by such issuer to make
good, valid or timely delivery or payment to
you in my favour.
(d) Ri ro Ch quyn: Vic bt k c quan

chnh ph hoc c quan php lut no ca
(d) Sovereign Risks: Any imposition by any

governmental or regulatory authority of
202
quc gia ca t chc pht hnh chng

khon c lin quan p t bt k quyn kim
sot ngoi hi ng k no hoc cc gii
hn hoc hn ch khc (bao g m vic tr
hon v t gi hi oi mang tnh cht phn
bit) c th lm cho vic thanh ton lin
quan n chng khon phi c thc
hin b
ng ni t ca quc gia thay v loi
tin u t ban u, hoc c th dn n
vic khng c kh nng thc hin vic gi
tin ra n c ngoi ton b hoc bt k phn
no ca cc khon thanh ton (d b
ng
ni t, loi tin u t ban u hoc bt k
loi tin no khc) t quc gia , v iu
c th dn n vic tn tht ton b hoc
mt phn vn gc m ti u t . Nu xy
ra ri ro ch quyn v cc khon thanh ton
lin quan n chng khon c thc hin
b
ng ni t ca quc gia ca t chc pht
hnh c lin quan thay v loi tin u t
ban u, th c thm ri ro v vic mt gi
sau ny v/hoc thiu kh nng chuyn i
gia ni t v loi tin u t ban u.
the country of the relevant issuer of

securities of any material exchange
controls or other limitations or restrictions
(including delays and discriminatory
exchange rates) may cause payments in
respect of such securities to be made in the
local currency of such country instead of
the original invested currency or may result
in the inability to effect outward
remittances of the whole or any part of
such payments (whether in the local
currency, the original invested currency or
any other currency) from such country,
which can thereby result in the loss of all or
part of the principal sum invested by me. If
a sovereign risk event occurs and payments
in respect of such securities are made in the
local currency of the country of the
relevant issuer instead of the original
invested currency, there is the additional
risk of the subsequent devaluation and/or
lack of convertibility in the local currency
versus the original invested currency.
(e) Ri ro Th tr ng Mi ni: Vic ti u t

vo cc qu u t , ngoi t v chng khon
ti cc quc gia mi ni ti Chu , Chu M
La Tinh v ng u, v.v. c th mang li li
(e) Emerging Markets Risks: My investment

in investment funds, foreign currencies and
securities in emerging countries located in
Asia, Latin America and eastern Europe etc
203
nhun cao nh ng cng c th mang n cc

ri ro u t ln, v th tr ng ti cc quc
gia mi ni ny c th rt kh d on tr c
v lut php v quy nh ca cc quc gia
ny c th ch a cung cp y bin php
bo v v bo h cho cc nh u t nh ti.
may yield high returns but may also carry

high investment risks, since the markets in
such emerging countries can be highly
unpredictable and their laws and
regulations
may
afford
inadequate
protection and safeguards to investors such
as myself.
(f) Ri ro Thanh khon: Trong iu kin th

tr ng bt li, ti c th khng c kh nng
thanh khon ton b hoc mt phn cc
chng khon ca ti theo v khi ti yu cu.
(f) Liquidity Risks: During adverse market

conditions, I may not be able to liquidate all
or part of my securities as and when I
require.
(g) Ri ro Thanh ton: Ti hiu r

ng khi n
hn, tin s ch c chuyn cho ti sau khi
ngn hng nhn tin t t chc pht
hnh. Ngn hng phi thc hin thanh ton
cc khon tin cho ti trong vng hai n
ba Ngy Lm vic sau ngy o hn theo
quy nh (hoc k hn khc m ngn hng
c th xc nh). Ti s khng yu cu ngn
hng hoc bt k cc chi nhnh, cng ty con
hoc cng ty lin kt no ca Citibank thanh
ton li do bt k vic chm tr thanh ton
no.
(g) Settlement Risk: I understand that at

maturity, funds will be passed on to me only
after receipt of good funds by you from the
issuer. You will effect payment of such
funds to me within two to three Business
Days subsequent to the stated maturity
date (or such other period of time as you
may determine). I shall make no claim on
you or any of Citibanks branches,
subsidiaries or affiliates for interest as a
result of any delay in payment.
204
IU KHON KHC
MISCELLANEOUS
1. Dch v/Sn phm Khc
1. Other Services/Products
Ngn hng c th, theo ton quyn quyt

nh ca mnh:
You may in your absolute discretion:
(a) gii thiu hoc cung cp cho ti cc Dch

v khc hoc Hn mc Tn dng hoc Sn
phm b sung theo cc iu khon v iu
kin m ngn hng c th quy nh;
(a) introduce or provide other Services or

additional Facilities or Products to me upon
such terms and conditions as you may
specify;
(b) ty tng thi im cung cp cho ti cc

thng tin v v lin quan n bt k cc kh
nng u t , cc sn phm ngn hng v
sn phm u t no (bao g m cc qu u
t tn thc, qu t ng h, bo him, ngn
qu v cc cng c ti chnh phi sinh khc)
ti bt k vng lnh th no;
(b) furnish me from time to time with

information relating to and in connection
with any investment possibilities, banking
and investment products (including unit
trusts, mutual funds, insurance, treasury
and other financial derivatives) in any
jurisdiction;
(c) ty tng thi im gii thiu cc ph ng

thc mi i vi vic thu xp cc giao dch
pht sinh trong qu trnh cung cp cho ti
cc Dch v ngn hng v cc Dch v khc.
(c) from time to time introduce new

methods of procuring transactions which
arise in the course of providing banking and
other Services to me.
2. Cam kt v Tha thun
2. Undertakings and Agreement
2.1. Ti ng :
2.1 I agree:
(a) khng k pht sc, gi cc s sc hoc

qun l (cc) Ti khon theo cch thc c
th to iu kin cho vic thay i mang
(a) not to draw checks, keep check books or

operate the Account(s) in a manner which
may facilitate fraudulent alterations or
205
tnh cht la o hoc gi mo v s, trong

s cc bin php phng nga khc, tun th
cc iu khon v iu kin ghi trn ba ca
s sc v cc iu khon v iu kin trong
cc tha thun i vi cc Dch v do ngn
hng cung cp. Ti s t chu ri ro nu
khng thc hin nhng iu nu trn;
forgery and shall among other precautions,

comply with the terms and conditions on
the check book cover and in the
agreements for Services provided by you.
Failure to do so is at my own risk;
(b) gi cc s sc ca ti ti ni an ton v

ti s thng bo cho ngn hng ngay lp tc
trong tr ng hp c bt k t sc no b mt
hoc nh cp;
(b) keep my check books in a safe place and

I shall notify to you immediately in the
event of any loss or theft of any checks;
(c) khi c yu cu, thanh ton cho ngn hng:
(c) to pay on demand to you:
(i) ton b s tin cn n lin quan n

khon tin c ng tr c hoc c thanh
ton cho ti hoc ti s dng hoc cc
khon ph pht sinh trn (cc) Ti khon d
thc t hoc tim tng hoc i vi cc
cng c chuyn nh ng c k pht, chp
nhn hoc k chuyn nh ng bi hoc thay
mt cho ti v c ngn hng khu tr
hoc thanh ton hoc gi d theo yu cu
ca ti hoc trong qu trnh hot ng kinh
doanh hoc theo hnh thc khc, v d cho
bt k cc khon tin hoc trch nhim
thanh ton no nh vy l do ti n hoc
phi gnh chu mt mnh hoc lin i vi bt
k ng i, cng ty hoc t chc no khc; v
(i) all sums owing in respect of money

advanced or paid to me or for my use or
charges incurred on the Account(s) either
actually or contingently or in respect of
negotiable instruments drawn, accepted or
endorsed by or on my behalf and
discounted or paid or held by you either at
my request or in the course of business or
otherwise, and whether any such moneys or
liabilities shall be owing or incurred by me
alone or jointly with any other person, firm
or corporate entity; and
206
(ii) ton b cc khon tin m ti tr nn c

trch nhim phi thanh ton cho ngn hng
theo bt k cch thc no, (d l c lp
hoc lin i vi bt k (cc) bn no khc),
cng vi (i) tin li theo li sut m ty tng
thi im ngn hng c th thng bo cho
ti b
ng vn bn hoc theo cch thc khc
m ngn hng c th cho l ph hp vi cc
khong thi gian nh k cn li m ngn
hng c th quyt nh trn c s s ngy
tri qua v trn c s mt nm c 365 ngy
hoc 360 ngy; v (ii) hoa h ng, ph ngn
hng theo thng th ng hoc ph ngn hng
theo thng l v cc chi ph v ph tn khc
lin quan n cc khon tin ;
(ii) all moneys which I shall become liable to

pay to you in any manner whatsoever,
(whether solely or jointly with any other
party(ies)), together with (i) interest at such
rate as you may from time to time notify me
in writing or in such other manner as you
may deem fit with such periodical rests as
you may decide based on the number of
days elapsed and a 365day or 360day
year; and (ii) commission, usual or
customary bank charges and such other
costs and expenses in connection
therewith;
(d) b
ng chi ph ca ti, tun th tt c cc
Lut hoc Quy nh php lut hin hnh i
vi tt c cc giao dch c d liu theo
bn iu khon v iu kin ny, d ti Vit
Nam hoc ni no khc; v
(d) to comply, at my own cost, with any Law

or Regulation required for all transactions
contemplated under these Terms and
Conditions whether in Vietnam or
elsewhere; and
(e) k cc vn bn a ra bo m cho

ngn hng v b
ng chi ph ca ti thc hin
cc hnh ng hoc cng vic m ngn hng c
th yu cu vo bt k thi im no lin quan
n bt k giao dch no gia ti v ngn hng.
(e) to execute such documents to provide

such security to you and to do such acts or
deeds at my own cost as you may require at
any time in connection with any
transactions between me and you.
2074
2.2. Ti ng r
ng:
2.2 I agree that:
(a) ngn hng s c ton quyn quyt nh

s dng cc i din hoc i l m ngn
hng cho l ph hp tin hnh hoc thu
xp cc giao dch pht sinh trong qu trnh
cung cp cho ti cc Dch v ngn hng
hoc cc Dch v khc trong phm vi c
lut Vit Nam cho php v vic thc hin
nhng iu trn s khng lm cho ngn
hng hoc bt k cc i din, nhn vin,
ng i lm cng hoc i l no ca ngn
hng phi chu bt k trch nhim pht sinh
no i vi ti; v
(a) you shall have the absolute discretion to

use such agents or correspondents as you
deem fit to carry out or procure the
transactions which arise in the course of
providing banking or other Services to me
to the extent permitted by Vietnamese law
and none of the aforesaid shall place you or
any of your agents, employees, servants or
correspondents under any resulting liability
to me; and
(b) bt k vic hnh ng, khng hnh ng

hoc s sut no m ngn hng hoc bt k
i din, nhn vin, ng i lm cng hoc i
l no ca ngn hng thc hin hoc gnh
chu theo hoc lin quan n Th Tn dng
hoc hi phiu, vn bn hoc ti sn c lin
quan, nu trn tinh thn thin ch, v ph
hp vi lut php, thng l hoc quy nh
n c ngoi hoc trong n c m ngn hng
hoc bt k cc i din hoc i l no ca
ngn hng c th c xem l i t ng p
dng, s c tnh cht rng buc i vi ti.
(b) any action, inaction or omission taken or

suffered by you, or by any of your agents,
employees, servants or correspondents
under or in connection with the Credit or
the relative drafts, documents or property,
if in good faith, and in conformity with such
foreign or domestic laws, customs or
regulations as you or any of your agents or
correspondents may deem to be applicable
thereto, shall be binding upon me.
208
3. Cam oan v Bo m lin quan n Hn

mc Tn dng
3. Representations and Warranties in

respect of Facilities
3.1. Trong tr ng hp ti c cp bt k

Hn mc Tn dng no, ti, v trong tr ng
hp Ti khon ca ng ch Ti khon, mi
chng ti, mt cch ring r v lin i, cam
oan v bo m vi ngn hng nh sau:
3.1 In the event that any Facilities are

extended to me, I (and in the case of a Joint
Account, each of us jointly and severally)
represent and warrant to you as follows:
(a) nu ti l mt t chc c t cch php

nhn, r
ng ti l mt cng ty trch nhim
hu hn c thnh lp hp l v t n ti hp
php theo lut php ti Vit Nam v s duy
tr a im hot ng kinh doanh ti Vit
Nam. Nu ti l mt c nhn, ti c nng lc
dn s y theo lut p dng i vi ti
k kt v thc hin bt k cc ngha v
ca ti theo bt k tha thun ngn hng
no vi ngn hng;
(a) If I am a corporate entity, that I am a

company duly incorporated in Vietnam and
validly existing under the laws of Vietnam
and will maintain a place of business in
Vietnam. If I am an individual, I have full civil
capacity under laws applicable to me to
enter into and to perform any of my
obligations under any banking arrangement
with you;
(b) r
ng, mi hnh ng, iu kin v cng
vic cn phi c thc hin v thi hnh v
cn phi xy ra (tr c khi tham gia bt k
quan h tn dng no vi ngn hng v
tr c khi k v giao bt k vn bn bo m
no xc lp cng cc ngha v hp l ca ti
c kh nng thi hnh theo cc iu khon
t ng ng ca vn bn ) c thc
hin, thi hnh v xy ra tun th ng v
(b) that all acts, conditions and things

required to be done and performed and to
have happened (prior to entering into of
any such credit relationship with you and
prior to the execution and delivery of any
security documents constituting the same
valid obligations of mine enforceable in
accordance with its respective terms) have
been done, performed and have happened
209
cht ch vi tt c cc lut v quy nh hin

hnh;
in due and strict compliance with all

applicable laws and regulations;
(c) r
ng, trong phm vi hiu bit cao nht
ca ti, khng c bin php no c
thc hin hoc ang c thc hin nh
m
ch nh ng i th l ti sn v/hoc qun l
hoc thanh l vin cho vic tip qun hoc
gii th ti lin quan n ton b hoc mt
phn ti sn ca ti;
(c) that to the best of my knowledge no

steps have been taken or are being taken to
appoint a receiver and/or manage or
liquidator for my takeover or windingup in
relation to the whole or any part of my
assets;
(d) r
ng, ti np tt c cc t khai thu
theo yu cu ca lut php v ti thanh
ton hoc thc hin cung cp y
thanh ton ton b cc khon thu, ph v l
ph chnh ph khc c n nh i vi ti
hoc i vi bt k bt ng sn, ti sn, thu
nhp hoc nh ng quyn th ng mi no
ca ti;
(d) that I have filed all tax returns which I

am required by law to file and I have paid or
made adequate provision for the payment
of all taxes, assessments, fees and other
governmental charges assessed against me
or upon any of my properties, assets,
income or franchises;
(e) r
ng, bt k chp thun, giy php, ph
duyt hoc cho php no ca bt k c
quan, vn phng hoc t chc chnh ph
no cn thit lin quan n vic k, giao,
thc hin, tnh hiu lc hoc kh nng thi
hnh ca bt k quy nh no ca bn iu
khon v iu kin ny c c v c
hiu lc v ang t n ti;
(e) that any consent, licence, approval or

authorisation
of
any
governmental
authority, bureau or agency required in
connection with the execution, delivery,
performance, validity or enforceability of
any provisions of these Terms and
Conditions have been obtained and is valid
and subsisting;
(f) nu ngn hng c yu cu v c th p
(f) if required by you and applicable to me,

210
dng i vi ti, nh k cung cp cho ngn

hng cc bo co ti chnh th ng nin
kim ton trong thi hn m ngn hng c
th quy nh k t khi kt thc nm ti chnh
ca ti; v
to periodically furnish you with my annual

audited financial statements within such
time as you may stipulate from the close of
each of my financial years; and
(g) r
ng, mi on trn, bao g m nhng
iu chnh cn thit, s c p dng i vi
bt k bn th ba no l bn hin ti hoc
sau ny bo lnh hoc cung cp bo m
i vi hoc a ra bo m b i hon lin
quan n bt k cc ngha v hoc trch
nhim thanh ton no ca ti theo bn iu
khon v iu kin ny.
(g) that each of the foregoing paragraphs

shall apply mutatis mutandis to any third
party which now or hereafter has
guaranteed or provided security for or
given an indemnity in respect of any of my
obligations or liability under these Terms
and Conditions.
3.2. Mi cam oan v bo m trn s t n

ti v tip tc c y hiu lc trong thi
gian ti c cp Hn mc Tn dng v b
ng
vn bn ny ti cam oan vi ngn hng
r
ng cc cam oan v bo m trn l tht
v chnh xc v s c hon ton tun th
cho n khi tt c cc khon tin phi thanh
ton theo Hn mc Tn dng c thanh
ton y .
3.2 Each of the above representations and

warranties shall survive and continue to
have full force and effect for so long as the
Facilities are extended to me and I hereby
warrant to you that the above
representations and warranties will be true
and correct and fully observed until all sums
payable under the Facilities are fully paid.
4. Tit l Thng tin
4. Disclosure of Information
4.1. Ti cho php ngn hng chuyn v tit

l bt k thng tin no lin quan n ti
hoc lin quan n Tha thun ny v (cc)
4.1 I authorise your transfer and disclosure

of any information relating to me or in
connection with this Agreement and any of
211
Ti khon u t ca ti hoc cc sn phm

v dch v m ngn hng c c t ti v
ngn hng c c t cc bn th ba v cc
Nhm cng ty, cho v gia cc chi nhnh,
kt v i din ca Citibank (hoc cc Nhm
Cng ty) v cc bn th ba do bt k chi
nhnh, cng ty con, vn phng i din,
cng ty lin kt v i din no ca Citibank
hoc ngn hng la chn, d cho c t
ti bt k ni no, s dng vi tnh cht
bo mt (bao g m nh ng khng gii hn,
s dng cho vic cung cp bt k cc Sn
phm hoc Dch v no cho ti v cho cc
qu trnh hot ng, x l d liu, thng k
v phn tch ri ro, dch v tin mt ton cu
v lm vic vi bt k c quan c thm
quyn c lin quan no). Ngn hng v bt
k cc chi nhnh, cng ty con, vn phng i
din, cng ty lin kt, i din ca Citibank
hoc cc bn th ba do bt k chi nhnh,
kt v i l hoc bn th ba no ca
Citibank/Nhm Cng ty ca ngn hng c
la chn bi ngn hng hoc bt k thc th
nu trn, s c quyn chuyn v tit l
bt k thng tin no theo yu cu ca lut
hin hnh, ta n, c quan php lut hoc
my Investment Account(s) or products and

service you take from me and which you
obtain from third parties and Group
Companies, to and between the branches,
subsidiaries,
representative
offices,
affiliates and agents of Citibank (or Group
Companies) and third parties selected by
any of them or you, wherever situated, for
confidential
use
(including,
without
limitation, for use in connection with the
provision of any Products or Services to me
and for operational processes, data
processing, statistical and risk analysis
purposes, global cash services and dealings
with any relevant authorities and agencies
pertaining thereto. You and any of your
Group Companies/Citibanks branches,
subsidiaries,
representative
offices,
affiliates, agents or third parties selected by
any of them or you, shall be entitled to
transfer and disclose any information as
may be required or requested by applicable
law, court, regulator or legal process or by
any competent Authority.
212
th tc php l hoc bi bt k C quan c

thm quyn no.
Thng tin c th c tit l cho cc t chc
khc (c th ngoi Vit Nam) trn nguyn
tc bo mt bao g m nh ng khng gii hn
:
Other organizations (that may be outside

Vietnam) to whom information may be
disclosed on a confidential basis include but
not limitation to:
Cc c quan qun l/ C quan c thm

quyn c php lut Vit Nam cho php;
regulatory agencies/Authorities where

permitted by Vietnamese law.;
n v bu chnh- in bn sao k v cc
dch v th tn khc;
mail houses- for Statement production

and other mail related services;
Dch v in n th nha- lm th;
plastic card services for Card embossing;
B phn vn phng- nhp d liu;
clerical services for data entry;
Nghin cu th trng- lp k hoch v

pht trin sn phm;
market research for product development

and planning;
B phn qun l- qun l Ti khon v

x l s liu;
administration services for Account

management and data processing;
B phn m hnh ha s liu - nh gi

ri ro;
data modeling services for risk assessment;
Cc c vn nghip v- h tr qun l Ti
khon ca Qu khch;
professional advisors for assistance with

administration of your Account;
Cc t chc mun c li ch trong hot

ng kinh doanh ca ngn hng Citibank
nh gi cc xut mua li;
organization wishing to acquire and

interest in any part of Citibanks business
for assessment of any proposed acquisition;
213
Cc iu tra vin, nhn vin chm sc y t,

cc c vn nghip v v ti chnh, cc cng
ty bo him v ti bo him khc;
investigators, medical attendants, professional

and financial advisors, other insurers and
re-insurers;
nh gi n yu cu, bo lnh, v nh
gi khiu ni ca Qu khch hoc kim sot
Ti khon ca Qu khch vi mc ch ngn
nga gian ln;
for assessing your application, underwriting

and claims assessment or monitoring your
Account for fraud prevention;
Cc c quan bo him- yu cu kim tra

khiu ni v tham chiu.
insurance industry bodies for claims

matching and cross referencing.
4.2. Khng nh hng n tnh tng qut

ca quy nh trn, trong trng hp ngn
hng l thnh vin ca, hoc l ngi ng
k dch v chia s thng tin ca, bt k
phng ban tn dng no c Ngn hng
Nh nc Vit Nam cng nhn theo hoc
cn c theo lut Vit Nam, ti cho php:

the foregoing, where you are a member of,
or subscriber for the information sharing
services of, any credit bureau recognized
by the State Bank of Vietnam under or
pursuant to the laws of Vietnam, I
authorise:
(a) ngn hng chuyn v tit l cho bt k

phng ban no nh vy; v
(a) you to transfer and disclose to any such

bureau; and
(b) bt k phng ban no nh vy chuyn v

tit l cho bt k thnh vin hoc ngi
ng k no, bt k thng tin no lin quan
n ti v/hoc bt k (cc) Ti khon no
ca ti ti ngn hng (v cho mc ch )
c th c php theo hoc cn c theo lut
(b) any such bureau to transfer and disclose

to any fellow member or subscriber, any
information relating to me and/or any of my
Account(s) with you (and for such
purposes) as may be permitted under or
pursuant to the laws and regulations of
214
v quy nh ca Vit Nam.
Vietnam.
4.3. Lin quan n bt k vic thay th,

chuyn nhng, chuyn giao hoc bn hoc
bt k vic thay th, chuyn nhng,
chuyn giao hoc bn c d kin i vi
bt k cc quyn v/hoc ngha v no ca
ngn hng i vi hoc lin quan n (cc)
Ti khon v bt k cc Sn phm v Dch
v no c cung cp hoc s c cung
cp cho ti theo (cc) Ti khon v bt k
Hp ng/Tha thun no cho bt k bn
thay th, bn nhn chuyn nhng, bn
nhn chuyn giao, bn mua hoc bt k
ngi no khc tham gia hoc theo hnh
thc khc c lin quan n giao dch hoc
giao dch d kin , bng vn bn ny, ti
chp thun vic ngn hng thc hin tit l
cho bt k ngi no nh vy bt k v ton
b cc thng tin lin quan n ti, (cc) Ti
khon v bt k cc Sn phm v Dch v
no c cung cp hoc s c cung cp
cho ti theo (cc) Ti khon, bt k Hp
ng no, bt k Tha thun no v bt k
bo m, bo lnh v bo him no c
a ra bo m cho cc ngha v ca ti
theo bt k Ti khon, Hp ng, Tha
thun no nh vy v bt k thng tin no
4.3 I hereby consent, in connection with

any,
or
any
proposed,
novation,
assignment, transfer or sale of any of your
rights and/or obligations with respect to or
in connection with the Account(s) and any
available to me under the Account(s) and
any Contract/Agreement to any novatee,
assignee, transferee, purchaser or any
other person participating or otherwise
involved in such, or such proposed,
transaction, to the disclosure, to any such
person, by you, of any and all information
relating to me, the Account(s) and any
available to me under the Accounts(s), any
Contract, any Agreement and any security,
guarantee and assurance provided to
secure my obligations thereunder and any
other information whatsoever which may
be required in relation thereto.
215
khc cn thit lin quan n bt k Ti

khon, Hp ng, Tha thun no nh vy.
4.4. Cho mc ch tun th lut thu hin
hnh ca Hp chng quc Hoa k, ti t b
bt k quyn bo mt, ring t hoc quyn
bo v d liu v ngn hng lin quan n
(cc) Ti khon ca ti. Vi mc ch tun
th Lut hoc Quy nh php lut, ngn
hng v Nhm cng ty ca ngn hng s s
dng, lu gi v x l thng tin trn (cc) Ti
khon ca ti v tit l thng tin cho
Nhm cng ty khc. Ngn hng cng s tit
l nhng thng tin ca ti, nu ngn hng
c yu cu hoc c cho php tit l
theo Lut hoc Quy nh php lut, cho cc
C quan c thm quyn trong phm vi php
lut Vit Nam cho php. Trong trng hp
php lut v quy nh ca Vit Nam nghim
cm hoc phn ln hn ch vic ngn hng
tit l thng tin ca ti cho C quan c thm
quyn, ti ng cho php ngn hng
chuyn giao hoc tit l nhng thng tin
trn (cc) Ti khon ca ti (bao gm c
thng tin giao dch, thng tin c nhn) cho
Citibank hoc cho bt k Nhm cng ty
trong phm vi cho php nhm m bo vic
tun th cc quy nh ca FATCA.
4.4 For the purpose of complying with

applicable US tax laws, I waive any bank
secrecy, privacy or data protection rights
related to my Account(s). For the purpose
of complying with Law or Regulation,
especially FATCA requirements, you and
your Group Companies will use, hold and
process my information on my Investment
Account(s)/Account(s) and disclose it to
other Group Companies. You will also
disclose my information if you are
requested or permitted to do so by Law or
Regulation, including to Authorities to the
extent permitted by Vietnamese law. In
case where the law and regulation of
Vietnam prohibits or materially restricts
you from disclosing my information to
Authorities, I agree to authorize you to
transfer or disclose my information on my
Account(s)
(including
transactional,
personal information) to Citibank or to any
of Group Companies in a jurisdiction that
permits FATCA compliance.
216
5. Sa i Quy tc
5. Amendment of Rules
Ngn hng c th, theo ton quyn quyt

nh ca ngn hng, thay i, sa i hoc
iu chnh bt k mt hoc nhiu quy nh
ca bn iu khon v iu kin ny vo
bt k thi im no, bao gm vic a ra
nhng iu khon mi v bt k l do no
sau y:
You may at your absolute discretion, vary,

amend or modify any one or more
provisions of these Terms and Conditions at
any time, including introducing new terms
for any of the following reasons:
do nhng thay i ca th trng;
because of changes of the market;
do nhng thay i trong cng ngh;
because of changes in technology;
do s thay i Lut hoc Quy nh php

lut hay quy ch thc hin hoc cch thc
m chng ti c iu chnh;
because of changes to Law or Regulation,

codes of practice or the way in which we are
regulated;
phn nh nhng thay i trong cu trc

ca Nhm Cng ty; hoc
to reflect changes in the structure of the

Group Companies; or
trin khai dch v mi hoc thay i cc

dch v m ngn hng cung cp theo Tha
thun ny;
to cover a development or change in the

service that you provide under this
Agreement.
phn nh bt k thay i trong chi ph

cung cp dch v ca ngn hng cho ti;
to reflect any changes in the cost of

providing your services to me.
Ngn hng c th thay i ph v l ph ca

ngn hng hoc gii thiu mt khon ph
hoc l ph mi nu c s thay i trong: (i)
You may change your fees and charges or

introduce a new fee or charge if there is a
change in: (i) the costs you incur in carrying
217
cc chi ph ngn hng thanh ton khi thc

hin cc hot ng phi chu ph hoc l ph
(ii) nhng yu cu theo quy nh, hoc ngn
hng c th thay i ph v l ph ca ngn
hng v mt l do hp l m khng nu trong
phn ny.
out the activity for which the fee or charge

is or will be made or (ii) regulatory
requirements, or you may change your fees
and charges for a valid reason which is not
set out this section;
Thay i v nhng yu cu php l c th.

Mt s cc iu khon ca Tha thun ny
phn nh s hiu bit ca ngn hng v
nhng yu cu php l ang trong giai on
d tho hoc cha ban hnh khi ti liu ny
c in. Nu ngn hng thy rng bt k
iu khon no khng ph hp vi yu cu
php l c ban hnh hoc sa i sau khi
ti liu ny c in, ngn hng s khng ph
thuc vo iu khon nhng s xem l cc
iu khon phn nh cc yu cu php l
c lin quan, chng ti s thay i nhng
yu cu php l sm nht c th. Ngn
hng s cp nht cc iu khon v iu
kin ca ngn hng phn nh yu cu
php l mi khi chng c tip tc ti bn
hoc c ng trn trang thng tin in t
ca ngn hng.
Changes for specific regulatory requirements.

Some of the terms of this Agreement
reflect your understanding of regulatory
requirements that have not been published
or are still in draft form when this document
is printed. If you find that any term is
inconsistent with a regulatory requirement
which is published or amended after this
document is printed, you will not rely on the
term but will treat it as if it did reflect the
relevant regulatory requirement, we will
make those changes as soon as reasonably
practicable. You will update your terms and
conditions to reflect new regulatory
requirement when they are next reprinted
or posted on your website.
Bng vn bn ny ti chp nhn nhng thay

i c bao gm trong cc iu khon
v iu kin, nh th nhng thay i
I hereby accept such changes that would be

deemed to have been included in these
Terms and Conditions as if they were made
218
c thc hin theo cc iu khon v iu

kin vo ngy m nhng thay i c
ngn hng tuyn b c hiu lc. Mc d
ngn hng c th ng nhng thay i v
iu khon v iu kin vo bt c thi
im no trn trang thng tin in t
www.citibank.com.vn ca ngn hng hoc
ngn hng c th thng bo cho ti nhng
thay i/chnh sa qua cc phng tin
cho php bi php lut hin hnh, ti s
thng xuyn xem xt cc iu khon v
iu kin trn trang thng tin in t ca
ngn hng v kim tra nhng thay i. Min
l cc thay i c ng trn trang thng
tin in t hoc thng bo cho ti thng qua
phng tin truyn thng ca ngn hng,
ti s c coi nh chp nhn nhng thay
i vo ngy tr khi ti lin lc vi ngn
hng thng qua CitiPhone ti s
(84 8) 3521 1111 hoc gi th cho ngn hng
th hin vic khng ng v thng bo
vi ngn hng rng ti mun chm dt hp
ng ca ti vi ngn hng v khng chp
nhn nhng thay i. Vic ti tip tc s
dng Sn phm v Dch v ca ngn hng s
c xem nh vic ti chp nhn v tun
theo cc iu khon v iu kin c sa
i. Ti ng thm rng nhng thay i
to these Terms and Conditions on the date

that such changes are stated by you to take
effect. Although you may post the amended
Terms and Conditions at any given time on
your website www.citibank.com.vn or you
may inform me of such amendments/
changes by way of using any other methods
permitted by applicable laws, I shall
regularly review the Terms and Conditions
on your website and check for changes. As
long as changes are posted on your website
or informed to me through means of
communication available to you, I will be
treated as accepting the changes on that
date unless I contact you via Citiphone at
(84 8) 3521 1111 or write to you to express
my disagreement and tell you that I want to
terminate my agreement with you and not
accept the changes. My continuation to use
your products or services shall be deemed
my consent to accept and abide by the
modified Terms and Conditions. I further
agree that such changes shall bind me and
my successors, permitted assigns and the
beneficiaries of my estate.
219
s rng buc i vi ti v cc bn k nhim,

bn nhn chuyn nhng ca ti v nhng
ngi th hng ti sn ca ti.
6. Thng tin lin lc
6. Communications
6.1. Ti s gi cho ngn hng thng bo

bng vn bn v bt k thay i no i vi
cc thng tin ca ti.
6.1 I shall give you written notice of any

change in my particulars.
6.2. Bt k sao k, giy bo, xc nhn, thng

bo, yu cu v mi th t khc ca ngn
hng theo bn iu khon v iu kin ny
c th c gi trc tip cho ti (hoc cc
i din c nhn ca ti hoc qun l vin
ph sn ca ti) hoc gi bng th hng
khng tr trc hoc th bo m trong
nc cho ti (hoc cc i din c nhn ca
ti hoc qun l vin ph sn ca ti) n
a ch mi nht ca ti ng k vi ngn
hng, hoc bng telex, fax hoc th in t
n a ch telex, fax hoc th in t mi
nht m ngn hng bit. Bo co, giy bo,
xc nhn, thng bo, yu cu v mi th t
khc s c xem l c gi vo ngy
bo co, giy bo, xc nhn, thng bo, yu
cu v th t c giao trc tip hoc
c chuyn bng telex, fax hoc th in
t hoc nu gi bng ng bu in th vo
6.2 Any statement, advice, confirmation,

notice,
demand
and
all
other
correspondence by you under these Terms
and Conditions may be served on me (or my
personal representatives or my trustees in
bankruptcy) personally or sending it by
pre-paid airmail or local registered post to
me (or my personal representatives or my
trustees in bankruptcy) at my last address
registered with you, or by telex, facsimile or
electronic mail to your telex, facsimile or
electronic mail address last known to you.
The same shall be deemed to have been
delivered on the day it was delivered
personally or transmitted by telex, facsimile
or electronic mail or if sent by post on the
day following the posting, notwithstanding
that the correspondence may be returned
through the post office undelivered.
220
ngy sau khi gi, d th t khng c giao

c th b tr li thng qua bu in.
6.3. Nu vic ngn hng thc hin bt k cc
ngha v no ca ngn hng theo bn iu
khon v iu kin ny tr nn bt hp
php, th ngn hng thng bo cho ti v
vic v sau ti s thanh ton cho ngn
hng ton b cc khon tin m ti n ngn
hng ngay khi ti nhn c thng bo .
6.3 If it shall become unlawful for you to

perform any of your obligations under
these Terms and Conditions, you shall
notify me to this effect whereupon I shall
upon receipt of such notice pay you all sums
which I owe you.
7. Giao dch vi cc chi nhnh ca Citibank

N.A. ti Vit Nam
7. Dealings with Citibank N.A branches in

Vietnam
7.1. Ton b cc khon thanh ton v gi

tin s ch c thc hin ti chi nhnh
Citibank N.A Vit Nam ni Ti khon c
duy tr v bt k th tc php l no pht
sinh theo bn iu khon v iu kin ny
s ch c a ra i vi cc chi nhnh ni
trn ca Citibank N.A..
7.1 All payments and deposit of monies shall

be made solely at the Citibank N.A. branch
in Vietnam at which the Account is
maintained and any legal proceedings
arising under these Terms and Conditions
shall be brought solely against such branch
of Citibank N.A aforesaid.
7.2. Cc ngha v thanh ton i vi (cc)

Ti khon ca ti theo vn bn ny s ch
c thc hin theo hnh thc thanh ton ti
chi nhnh ti Vit Nam ca Citibank N.A, ni
(cc) Ti khon c m v tun theo Lut
hoc Quy nh php lut (bao gm bt k
cc quy nh ca Ngn hng Nh nc Vit
7.2 The payment obligations with respect to

my Account(s) hereunder shall be fulfilled
by way of payment solely at the Citibank
N.A. branch in Vietnam at which the
Account(s) was/were opened and are
subject to Law or Regulation (including any
regulations issued by the State Bank of
221
Nam, hnh ng, lnh, ngh nh v quy nh

chnh ph, k c cc quy nh kim sot ti
chnh v ngoi hi).
Vietnam, government acts, orders, decrees,

and regulations, including fiscal and
exchange control regulations).
8. T b
8. Waiver
Vic ngn hng khng hoc tr hon thc thi

hoc thi hnh bt k quyn bn hoc bt k
quyn hoc quyn chn no khc (c gi
chung l, Quyn) theo bn iu khon v
iu kin ny s khng c hiu l hnh
ng t b vic thc thi hoc thi hnh
Quyn , hoc gii hn, gy nh hng
hoc lm tn hi n quyn ca ngn hng
i vi vic thc hin bt k hnh ng no
hoc thc thi bt k Quyn no i vi ti
m khng cn thng bo hoc yu cu no,
cng nh khng lm cho ngn hng phi
chu trch nhim i vi bt k tn tht
hoc thit hi no pht sinh t vic khng
hoc tr hon thc hin Quyn .
No failure or delay by you in exercising or

enforcing any power of sale or any other
rights or options (collectively, Rights)
under these Terms and Conditions shall
operate as a waiver thereof, or limit,
prejudice or impair your right to take any
action or to exercise any Rights as against
me without notice or demand, or render you
responsible for any loss or damage arising
therefrom.
9. Tnh ring bit
9. Severability
Nu bt k mt hoc nhiu iu khon no

ca bn iu khon v iu kin ny b xem
l v hiu lc, bt hp php hoc khng c
kh nng thi hnh trong bt k phng din
no theo bt k lut hin hnh no, th tnh
hiu lc, tnh hp php v kh nng thi hnh
If any one or more provisions of these

Terms and Conditions are deemed invalid,
unlawful or unenforceable in any respect
under any applicable law, the validity,
legality and enforceability of the remaining
provisions of these Terms and Conditions
222
ca cc iu khon cn li ca bn iu
khon v iu kin ny s khng b nh
hng hoc tn hi theo bt k hnh thc
no.
shall not in any way be affected or impaired.
10. Chuyn nhng
10. Transfers
10.1. Xem xt vic ngn hng duy tr v tip

tc cung cp cc dch v v/hoc sn phm
ngn hng cho ti ty tng thi im lin
quan n tt c cc Ti khon, ti ng
vic chuyn nhng cho bt k t chc no
trong T chc thuc Citigroup v trong
Nhm Cng ty (Ngn hng nhn Chuyn
nhng) ton b cc Ti khon ca ti, c
hiu lc vo v t ngy m ngn hng
v/hoc Ngn hng nhn Chuyn nhng c
th thng bo (Ngy Hiu lc) trong phm
vi lut cho php theo cc iu khon v iu
kin sau:
10.1 In consideration of you maintaining and

continuing to provide banking services
and/or products to me from time to time in
connection with all Accounts I agree to the
transfer to any entity in the Citigroup
Organisation or in the Group Companies
(the Transferee Bank) of all my Accounts,
with effect on and from such date as may be
notified by either you and/or the
Transferee Bank (the Effective Date) to
the extent permitted by law on the
following terms and conditions:
(a) ton b cc quyn, quyn s hu, quyn

li, li ch, ngha v v trch nhim ca ngn
hng lin quan n cc Ti khon v cc
Tha thun c Lin quan (nh c nh
ngha di) v ton b Bo m c Ch
r (nh c nh ngha di), s c
chuyn nhng cho Ngn hng nhn
Chuyn nhng, pht sinh v li ch ca
Ngn hng nhn Chuyn nhng, rng buc
(a) all your rights, title, interests, benefits,

obligations and liabilities in connection with
the Accounts and all Related Agreements
(as hereinafter defined) and all Specified
Security (as hereinafter defined), shall be
transferred to, arise in favour of, bind and
may be relied and acted upon by the
Transferee Bank to the same extent as if
the Transferee Bank had been originally a
223
i vi Ngn hng nhn Chuyn nhng v

c th c Ngn hng nhn Chuyn
nhng da vo hoc hnh ng theo trong
cng phm vi nh th Ngn hng nhn
Chuyn nhng ban u l mt bn ca,
ban u l ngi th hng hoc theo hnh
thc khc c li ch (d r rng hoc ng )
ca v/hoc l ngi nhn ca, tt c cc
Ti khon, cc Tha thun c Lin quan v
Bo m c Ch r v ti xc nhn rng
ton b Bo m c Ch r s tip tc
c gi tr v c hiu lc v li ch ca Ngn
hng nhn Chuyn nhng bo m cho
tt c cc ngha v ang hoc c th ang
tn ng (v c chuyn nhng cho Ngn
hng nhn Chuyn nhng) vo Ngy Hiu
lc cng nh bt k cc ngha v mi
v/hoc b sung no i vi Ngn hng
nhn Chuyn nhng m c th pht sinh
vo hoc sau Ngy Hiu lc;
party to, was originally the beneficiary or

otherwise had the benefit (whether
expressly or impliedly) of and/or was the
addressee or recipient of, all of such
Accounts,
Related
Agreements
and
Specified Security and I confirm that all
such Specified Security shall continue to be
valid and effective in favour of the
Transferee Bank for the purpose of
securing all obligations which are or may be
outstanding (and which are so transferred
to the Transferee Bank) on the Effective
Date as well as any new and/or additional
obligations to the Transferee Bank which
may arise on or after the Effective Date;
(b) ngn hng s c gii tr v gii phng

hon ton i vi tt c cc ngha v v
trch nhim ca ngn hng lin quan n
cc Ti khon, Tha thun c Lin quan v
Bo m c Ch r m ngn hng
chuyn nhng nhng s gi li cc quyn,
quyn s hu, quyn li, li ch, ngha v v
(b) you shall be fully discharged and

released from all of your obligations and
liabilities in connection with the Accounts,
the Related Agreements and the Specified
Security so transferred by you but shall
retain all rights, title, interests, benefits,
obligations and liabilities in connection with
224
trch nhim lin quan n bt k cc Ti

khon, Tha thun c Lin quan v Bo m
c Ch r no m Ngn hng khng
chuyn nhng v, v vn ny, ti cng
nhn rng nu, d c bt k quy nh no
ca vn bn ny, ngn hng, theo ton
quyn quyt nh ca ngn hng, vo hoc
sau Ngy Hiu lc, cho php bt k vic rt
vn hoc gii ngn no i vi, hoc nu
ngn hng cho vay hoc a ra bt k khon
ng trc no hoc khon cho vay khc
theo, bt k khon tn dng no c cp
hoc cung cp v khng c ngn hng
chuyn nhng, th ton b cc khon rt
vn, gii ngn, ng trc hoc cho vay s
tip tc c bo m bi ton b cc bin
php bo m (bao gm bt k bo lnh
hoc bo m no) c a ra hoc cung
cp trc Ngy Hiu lc cho hoc v li ch
ca ngn hng; v
any Accounts, Related Agreements and

Specified Security not so transferred by
you and, in this regard, I acknowledge that
if, notwithstanding any provision hereof,
you, at your sole discretion, on or after the
Effective Date, allow any drawdown or
utilisation of, or if you lend or make any
advances or other accommodation under,
any credit facility granted or made available
and not transferred by you, all of such
drawings,
utilisations,
advances
or
accommodation shall continue to be
secured by all security (including any
guarantee or assurance) given or provided
prior to the Effective Date to or in favour of
you; and
(c) theo yu cu ca ngn hng hoc yu

cu ca Ngn hng nhn Chuyn nhng,
ti ng v cam kt thc hin v k bt k
vn bn no v/hoc bt k bin php bo
m no (bao gm bt k bo lnh hoc bo
m no) c th cn thit bo m cho
bt k cc ngha v hin hu hoc tng lai
(c) I agree and undertake to, at your request

or that of the Transferee Bank, execute and
sign any document and/or any security
(including any guarantee or assurance)
which may be required for the purpose of
securing any existing or future obligations
of mine or any other person or persons, to
225
no ca ti hoc bt k ngi hoc nhng

ngi no khc, i vi ngn hng v/hoc
Ngn hng nhn Chuyn nhng lin quan
n cc Ti khon, Tha thun c Lin quan
v Bo m c Ch r bao gm nhng
khng gii hn n bt k cc vn bn no
c th c yu cu thit lp, xc nhn hoc
thc hin cc th tc php l cn thit
hon thin bt k bin php bo m no
c hoc c th c a ra hoc yu cu
phi c a ra v li ch ca (i) ngn hng
trc Ngy Hiu lc v/hoc (ii) Ngn hng
nhn Chuyn nhng vo hoc sau Ngy
Hiu lc nhng nu ti khng cung cp bin
php bo m nh vy vo thi im m
Ngn hng nhn Chuyn nhng quy nh,
th ti s c xem l gi cho ngn hng
thng bo hy b v hon tr khon tn
dng vo v k t Ngy Hiu lc, v sau
khon tn dng s b hy b v ti c ngha
v v phi hon tr ngay lp tc, cng vi li
tch ly trn khon tn dng , bt k khon
tin no cn tn ng theo, hoc, nu c
yu cu, a ra bo m bng tin mt cho
ngn hng i vi khon tn dng .
you and/or the Transferee Bank in

connection with the Accounts, the Related
Agreements and the Specified Security
including but not limited to any documents
which may be required to create, confirm or
perfect any security which has been or may
be given or required to be given in favour of
(i) you prior to the Effective Date and/or (ii)
the Transferee Bank on or after the
Effective Date but if I shall fail to provide
such security by such time as may be
specified by the Transferee Bank, I shall be
deemed to have given to you notice of
cancellation and repayment of such credit
facility on and from the Effective Date,
whereupon it shall so be cancelled and I
shall be obliged to and shall promptly repay,
together with accrued interest thereon, any
amount which is outstanding under, or, if so
required, provide cash cover, for such
credit facility to you.
10.2. Cho mc ch ca on 10 ny:
10.2 For the purposes of this paragraph 10:

226
Tha thun c Lin quan ngha l bt k

cc tha thun, vn bn v/hoc (cc) vn
kin no c lp hoc k kt lin quan n
(cc) Ti khon v bt k xc nhn (bao gm
nhng khng gii hn bi cc bo co v xc
nhn cng b ri ro), thng tin (bao gm
nhng khng gii hn bi cc thng tin c
cung cp lin quan n vic m t ri ro),
cc ch th, lnh, hng dn, y quyn,
quyn hn v/hoc thm quyn thuc tt c
cc loi c ti a ra v/hoc cung cp,
cho ngn hng cho mc ch cung cp cc
dch v v/hoc sn phm ngn hng cho
ti ty tng thi im lin quan n bt k
cc Ti khon no; v
Related
Agreements
means
any
agreements,
documents
and/or
instrument(s) made or entered into in
connection with the Account(s) and any
acknowledgements (including but not
limited to risk disclosure statements and
acknowledgements), information (including
but not limited to information provided in
respect of risk profiling), instructions,
orders, directions, mandates, powers
and/or authorities of all descriptions given
and/or provided by me, to you for the
purpose of the provision of banking,
investment and/or related services and/or
products to me from time to time in
connection with any of the Accounts; and
Bo m c Ch r ngha l ton b cc
bin php bo m (bao gm, nhng khng
gii hn, bt k bo lnh hoc bo m, vn
bn bo m, th chp, cm c, ch th, lnh,
ch o, y quyn v/hoc thm quyn)
c a ra, thc hin hoc k kt trc
Ngy Hiu lc v li ch ca ngn hng
bo m cho bt k cc ngha v no ca ti
i vi ngn hng pht sinh lin quan n
bt k cc Ti khon v/hoc Tha thun c
Lin quan no v/hoc bo m cho cc
Specified Security means all security

(including,
without
limitation,
any
guarantee
or
assurance,
security
document, mortgage, charge,
pledge,
instructions, orders, directions, mandates
and/or authorities) given, made or entered
into prior to the Effective Date in favour of
you for the purpose of securing any of my
obligations to you arising in connection with
any of the Accounts and/or Related
Agreements and/or for securing the
227
ngha v ca bt k ngi hoc nhng ngi

no khc i vi ngn hng.
obligations of any other person or persons

to you.
11. Lut iu chnh v Th m quyn Xt x
11. Governing Law and Jurisdiction
Bn iu khon v iu kin ny bao hm

(cc) Ti khon v tt c cc ngha v ca
ti theo vn bn ny hoc i vi bt k
(cc) Ti khon no s c iu chnh bi
v gii thch theo php lut Vit Nam v ti
chu thm quyn ring bit ca cc ta n
Vit Nam trong mi vn c lin quan
ngoi tr theo quyn la chn duy nht ca
ngn hng, thm quyn ti phn c th l
thm quyn chung. Bn iu khon v iu
kin ny cng s ph thuc cc quy tc, quy
nh, ch th hoc bin php ch ti hin
hnh m chnh ph Hp chng quc Hoa K
p t i vi ngn hng lin quan n cc
hot ng v ti sn ca ngn hng d ti
Vit Nam hoc ni no khc. Cc ch th gi
hoc chuyn tin n hoc thng qua cc
ngn hng i l s khng nh hng hoc
c hiu l gy nh hng n cc iu
khon trn.
These Terms and Conditions covering the

Account(s) and all my obligations
hereunder or on any Account(s) shall be
governed by and construed in accordance
with Vietnamese law and I submit to the
exclusive jurisdiction of the courts of
Vietnam in all matters pertaining thereto
save that at your sole option, such
jurisdiction may be non-exclusive. These
Terms and Conditions shall also be subject
to the applicable rules, regulations,
directives or sanctions imposed by the
United States government on you in respect
of your operations and assets whether in
Vietnam or elsewhere. Instructions for the
remittance or transfer of funds to or
through correspondent banks shall not
affect or be construed to affect the
foregoing terms.
12. Lut php ca Nc ca Ti
12. Laws of Own Country
Ti hiu r lut php ca nc ti lin quan

n giao dch ngn hng vi ngn hng ti
I shall be aware of the laws in my country

228
Vit Nam hoc ti bt k cc vng lnh th

no khc v ngn hng s khng phi chu
trch nhim i vi bt k tn tht hoc
trch nhim no m nc ca ti p t i
vi ti do vic ti khng tun th bt k quy
nh, lut hoc th tc php l no ca nc
ti.
with regards to my banking with you in

Vietnam or in any other jurisdictions and
you shall not be liable for any loss or liability
imposed by my country on me as a result of
my noncompliance with any regulations,
laws or legal process of my country.
13. Language
Bn iu khon v iu kin ny c lp

thnh 02 (hai) bn gc bng ting Anh v
02 (hai) bn gc bng ting Vit, tt c cc
bn c hiu l
c ngang nhau. M i bn ca
bn iu khon v iu kin ny gi mt
bn gc bng ting Anh v mt bn gc
bng ting Vit. Trong trng h p c bt k
s
khng thng nht gia bn ting Anh v
bn ting Vit, bn ting Anh s c u
tin p dng tr khi php lut c quy nh
khc.
Version 1_Updated in Apr 2014_Printed in Apr 2014
These Terms and Conditions shall be made

in TWO original copies in English and TWO
original copies in Vietnamese, all of which
shall be of equal validity. Each party hereto
shall keep one original copy in English and
one original copy in Vietnamese. In the
event of any inconsistency between English
version and Vietnamese version, the
English version shall prevail unless
otherwise required by law.
229

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IU KIN V IU KHON

DCH V NGN HNG TIU DNG

VN BN NY quy nh cc iu khon v

THIS DOCUMENT states the terms and

Nhng t ti, ca ti c ngha l (nhng)

The words I, me, my, mine refer to

c y quyn (c nh ngha di y).

context so permits, include my Authorised

Nhng t ngn hng v ca ngn hng

The words you, your and yours refer

Khi (cc) ti khon c m bi nhiu ngi,

Where the account(s) is/are opened by

(cc) Ti khon c ngha l mt hoc

Account(s) means one or more

vo tng thi i m (thuc b

time to time (being of any type or category,

Mu n M Ti khon c ngha l Mu

Account(s) Opening Application means

Tha thun bao gm Tha thun ny, v

Agreement includes this Agreement, and

ATMPIN c ngha l S Nhn dng C

ATMPIN means the ATM Personal

(nhng) Ngi k tn c y quyn c

Authorised Signatory(ies) refers to any

cho ti theo n M Ti khon v theo cc

the Account(s) Opening Application and on

"C quan c thm quyn" c ngha l b

Ngy Lm vic c ngha l b

Business Day refers to any day on which

thanh ton cho b

refers to, in relation to a payment for any

CIN c ngha l S Nhn dng Khch hng

CIN means the Customer Identification

"Khon Thu" c ngha l mt khon tin cho

Collected Amount means an amount for

Citibank c ngha l Citibank, N.A. mt

Citibank means Citibank, N.A., a banking

Th ATM Citi/Th Ghi n Citibank c ngha

Citi ATM Card/Citibank Debit Card means

Giao dch Th ATM Citi/Th Ghi n

Citi ATM Card/Citibank Debit Card

T chc Citigroup c ngha l Citibank, tr

Citigroup Organisation refers to Citibank,

CloseOut Date means a date on which

Codes means any of your or Citibank's

Confirmation refers to any or all of the

Hp ng c ngha l b

Contract means any contract concluded

Loi tin Hp ng c ngha l, lin quan

Contract Currency means, in relation to a

Th Tn d ng c ngha l th Visa v/hoc

Credit Card means a Citibank Visa and/or

Hn mc Tn d ng c ngha l khon tn

Facilities means such credit or other

"FATCA" (Foreign Account Tax Compliance

FATCA means Foreign Account Tax

"Nhm cng ty" c ngha l T chc

Group Companies means Citigroup

"Lut hoc Quy nh php lut" c ngha l

Law or Regulation means the law or

Letter of Authority means the letter of

Qu Thanh ton c ngha l cc khon

Payment Fund means the monies kept in

Payment Infrastructure Provider means a

IU KIN V IU KHON

DCH V NGN HNG TIU DNG

VN BN NY quy nh cc iu khon v

Nhng t ti, ca ti c ngha l (nhng)

c y quyn (c nh ngha di y).

Nhng t ngn hng v ca ngn hng

Khi (cc) ti khon c m bi nhiu ngi,

(cc) Ti khon c ngha l mt hoc

vo tng thi im (thuc b

Mu n M Ti khon c ngha l Mu

Tha thun bao gm Tha thun ny, v

ATMPIN c ngha l S Nhn dng C

(nhng) Ngi k tn c y quyn c

cho ti theo n M Ti khon v theo cc

"C quan c thm quyn" c ngha l b

Ngy Lm vic c ngha l b

CIN c ngha l S Nhn dng Khch hng

"Khon Thu" c ngha l mt khon tin cho

Citibank c ngha l Citibank, N.A. mt

Th ATM Citi/Th Ghi n Citibank c ngha

Giao dch Th ATM Citi/Th Ghi n

Hp ng c ngha l b

Loi tin Hp ng c ngha l, lin quan

Hn mc Tn d ng c ngha l khon tn

"Lut hoc Quy nh php lut" c ngha l

Qu Thanh ton c ngha l cc khon

im Bn hng c ngha l im bn hng

Sn phm c ngha l nhng sn phm

Loi tin Tham kho c ngha l, lin quan

c chuyn i sang loi tin ny.

"Ngi i din" c ngha l nhn vin ca

Chng khon bao gm nhng khng gii

cc Dch v c ngha l cc dch v c

Ngy Thanh ton hoc Ngy Gi tr c

tr khi ngy ri vo thng dng lch k

Hon cnh c bit c ngha nh c

iu khon v iu kin c ngha l cc

TPIN c ngha nh c nu trong m c

Cc t ch ngi s bao gm cc cng ty v

IU KHON CHUNG

1. Ch th ca Khch hng

1.1. Ngn hng c quyn, nhng khng c

(a) ngn hng c th c n c vo cc ch th

(b) trong trng hp ti y quyn cho

c quyn hnh ng theo cc ch th ca

(c) ngn hng c th yu cu xc nhn cc

(d) ngn hng c th yu cu ti a ra cc

(e) ngn hng c th la chn khng thc

tng s tin ca cc lnh thanh ton vt

(f) trong trng hp ch th qua in thoi,

(g) ti ng ngn hng ghi m cc cuc

(h) ngn hng c th t chi thc hin b

phm Lut hoc Quy nh php lut hoc B

1.3. Ngn hng khng b buc phi thc hin

1.4. Ngn hng c quyn xem b

gi tr rng buc i vi ti v c quyn thc

(a) vic ti s d ng Dch v Ngn hng qua

(b) vic ti s d ng dch v ngn hng qua

(c) vic ti s d ng Dch v Ngn hng Trc