TAIPEI FUBON COMMERCIAL BANK, CO., LTD, (the Bank ) THESE ACCOUNT RULES APPLY TO ALL TYPES OF ACCOUNTS MAINTAINED WITH THE BANK.

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1 TAIPEI FUBON COMMERCIAL BANK, CO., LTD, (the Bank ) THESE ACCOUNT RULES APPLY TO ALL TYPES OF ACCOUNTS MAINTAINED WITH THE BANK. I. ACCOUNT RULES GENERAL 1. Account Opening (APPLICABLE TO ALL TYPES OF ACCOUNTS) 1.1 In opening an account or accounts with the Bank from time to time (individually and collectively referred to as the Account ), the Account Holder agrees to be bound by these Rules. 1.2 An account may be opened by private individual or juridical entity whose opening must be accompanied by appropriate and legitimate legal proofs of identity and residency. 1.3 Prior to the opening of the Account, applicants are required to provide the Bank with accurate, complete and acceptable identification, information and references and to complete and sign such forms and specimen signature cards as may be prescribed by the Bank from time to time in accordance with the relevant laws and regulations of Vietnam. 1.4 The Bank shall be entitled to prescribe at any time and from time to time at its sole discretion:- (c) (d) (e) minimum and maximum amount(s) or balance(s) in respect of the opening, operation and closing of Account; the foreign currency(ies) in which a foreign currency Account may be denominated and the method of payment; the available period(s) in the case of time deposit Account; minimum balance(s) required before interest becomes payable on interest-bearing Account; and different account numbers to each Account. 2. Deposits and Withdrawals 2.1 All deposits will be received as current funds and will be repaid in the same manner; provided, however that deposits of drafts, checks, money orders, etc. will be accepted as subject to collection only and credited to the account only upon receipt of notice of payment. Collection charges by the Bank s foreign correspondent in effecting such collection shall be for the account of the Account Holder. 2.2 Subject to Rule 2.3, deposits and withdrawals may be made by the Account Holder at the counter of the Bank on demand (except for Time Deposit Account) during the applicable business hours of the Bank upon production of the requisite duly signed deposit and withdrawal slips in such form and substance as the Bank may prescribe and such identification document (personal or otherwise) as the Bank may require or in any other such manner as the Bank may prescribe from time to time. Except for Checking Accounts denominated in Vietnam Dong, U.S. Dollar or another foreign currency approved by the Bank, withdrawals from an Account may not be made by means of cheques drawn by the Account Holder but only by such withdrawal slips or other orders for withdrawal given to the Bank in such form and substance as the Bank may prescribe or in any other such manner as the Bank may prescribe from time to time. 1

2 2.3 The Bank will not normally accept cash deposits and withdrawals, but it may at its sole discretion decide to do so subject to such restrictions or terms as it thinks fit in accordance with the laws and regulations of Vietnam. Further, the Bank reserves the right to impose such restrictions or terms as it thinks fit and/or to require the Account Holder to give to the Bank a period of written notice before making a deposit or withdrawal exceeding a certain amount, such period of notice and amount of deposit or withdrawal may be prescribed by the Bank from time to time at its absolute discretion. 2.4 Any payments made by the Bank to a person producing a withdrawal slip or order purporting to be signed and/or chopped as authorised by the Account Holder shall have the same effect as if made to the Account Holder personally and absolutely and immediately thereafter, will fully release and discharge the Bank from any and all liabilities whatsoever to the Account Holder or to any other party. 2.5 Bills, drafts or cheques paid into the Account, whether or not they are drawn on the Bank, do not create any fund for drawing until they are actually honoured. All Vietnam Dong and U.S. Dollar instruments paid into the Account for clearing after the normal clearing time of the day will be handled as transactions of the next business day (meaning a day on which banks in the Socialist Republic of Vietnam ( Vietnam ) are generally open for business). If foreign currency cheques or Vietnam Dong cheques drawn outside of Vietnam are accepted for deposit, the effective date of deposit will be subject to the date of the final payment received by the Bank after the cheque has been duly cleared. Should any instrument be dishonoured and returned by the drawee bank, it will be returned to the Account Holder and the relevant Account will then be debited accordingly together with all related charges. 2.6 Cheques and other monetary instruments drawn to the order of a third party may be accepted for withdrawal from the Account at the sole discretion of the Bank without prejudice to its rights to claim from, and be fully indemnified and held harmless by, the Account Holder in respect of any loss arising from such acceptance. The Bank is entitled to debit the Account with the amounts of such cheques and monetary instruments together with any related charges and expenses. The Account Holder will pay to or reimburse the Bank immediately upon request any and all related charges and expenses and any loss or damage sustained by the Bank by reason of its allowing the Account Holder to draw against uncleared cheques or instruments or as a result of the Bank endorsing such cheques or instruments or from any other cause. Any payment or honouring of any cheques drawn on a Checking Account denominated in Vietnam Dong, U.S. Dollar or another approved foreign currency payable in cash or to bearer and presented to the Bank shall be a complete and absolute discharge to the Bank to the extent of the cheque and will be a debit against the relevant Account. 2.7 The Bank may at any time without notice, without liability whatsoever and at its sole discretion, refuse to accept any deposit, impose any condition for acceptance of any deposit, limit the amount which may be deposited or return all or any part of any deposit by whatever means as the Bank thinks fit without giving any reasons. 2.8 The Account Holder must not sign and/or chop nor allow or procure any one to sign and/or chop any withdrawal slip, cheque or other monetary instrument or order in blank. 2.9 For any Account denominated in any currency other than Vietnam Dong, notwithstanding that the deposit is denominated in foreign currency, the Bank is entitled, at its sole discretion and without liability whatsoever, to pay the Account Holder any amount withdrawn from such Account by cheque or in any other manner:- in the relevant foreign currency; or in Vietnam Dong in an amount equivalent to the amount of the relevant foreign currency calculated at the spot rate of exchange (as conclusively determined by the Bank) prevailing in the relevant foreign exchange market at the relevant time. 3. Interest 2

3 3.1 Checking Account balances generally carry no interest. 3.2 Interest on interest-bearing Account will accrue as simple interest on the daily credit balance of such Account on the basis of actual days elapsed and a 360-day year and will be credited to the Account at such intervals as the Bank may decide or as may be agreed with the Account Holder. On the closure of the Account, interest will be calculated up to but excluding the date of closure. 3.3 Interest rates are prescribed by the Bank from time to time and announced by the Bank in such manner as it considers appropriate and are subject to change from time to time. 4. Collection 4.1 In collecting cheques for the Account Holder, the Bank s duty shall be discharged by transferring the digital images and electronic information between banks via any relevant clearing house for clearing or presenting such cheques to such clearing house. The Bank would maintain the digital images and electronic information of Account Holders paid cheques for a period in compliance with the applicable statutory or regulatory requirements. 4.2 If, for any reason, the proceeds of the deposited checks, drafts, money orders, etc. cannot be collected or if the Bank is required to return such proceeds, the provisional entry therefore made by the Bank in its records shall deem automatically cancelled regardless of the time that has elapsed, and whether or not the defective items can be returned to the Account Holder, and the Bank is hereby authorized to execute immediately the necessary corrections, amendments or changes into its records. 5. Statement of Account 5.1 A statement of account will be sent to the Account Holder at such intervals as the Bank may decide or as may be agreed from time to time with the Account Holder or in accordance with the applicable legal and regulatory requirements. However, no statement of account will be supplied if there are no entries covering the relevant period. 5.2 The Account Holder shall notify the Bank immediately if statements of account are not received within [14] days of the end of the month or interval to which the statement relates. If the Account Holder does not notify the Bank accordingly, the same shall be deemed to have been delivered to the Bank and received by the Account Holder who shall be bound by the information contained therein. 5.3 In respect of each Account, the Account Holder will examine and verify each statement of account received from the Bank and notify the Bank, within 30 days after personal delivery of such statement to the Account Holder or, if posted, within the same period after the Bank has put such statement into the post, of any alleged error(s) or omission(s) therein and that, after such period, the Account and the entries therein (except for any alleged error(s) or omission(s) so notified.) After such period, the Account holder shall be deemed conclusively to have accepted all the matters contained in such statement of accounts as true and accurate in all respects and shall not dispute particulars of the account or transactions as stated in such statement which shall be conclusive evidence against the Account Holder of the contents therein. 5.4 Notwithstanding Rule 5.3, the Account Holder acknowledges that entries in any statement of account or deposit confirmation provided by the Bank are not conclusive as to their correctness against the Bank as deposits may have been made or other items may have been changed since the date of the statement or confirmation. The Bank shall be entitled to correct entries on any records, statement or confirmations and shall not be liable to the Account Holder or any other person for any loss of whatsoever nature as a consequence of such corrections. 5.5 Verification by Account Holder 3

4 The Account Holder undertakes to examine and verify each and every statement, confirmation and document rendered by the Bank in respect of any account or the transactions effected on or for the account of the Account Holder and unless the Account Holder notifies the Bank, in writing, within such other period as may be specified in such statement, confirmation and document or if no such period has been specified, thirty (30) days from the date of such statement, confirmation and document, of any errors, omissions, discrepancies or irregularities in such statement, confirmation and document, the Account Holder shall be deemed conclusively to have accepted all the matters contained in such statement, confirmation and document as true and accurate in all respects and shall not dispute particulars of the account or the transactions as stated in such statement, confirmation and document, which shall be conclusive evidence as against the Customer of the contents therein. 6. Conclusive Evidence Save for manifest error and subject always to the acceptance of the competent courts, the books and records kept by the Bank (including, without limitation, tape recording and any handwritten information recorded by the Bank s employees or agents in the course of their dealing with the Account Holder) in respect of the Account and/or Service shall be conclusive evidence and binding on the Account Holder, for all purposes and in courts. The term "Service" mentioned in these Rules means all services provided by the Bank to the Account Holder in respect of the Account from time to time, including internet banking services. 7. Commission and Service Charges 7.1 In respect of foreign currency accounts, commission in lieu of exchange may, at the absolute discretion of the Bank, be levied on the value of the currency notes, cheques, drafts, payment orders or other monetary instruments in the account currency accepted by the Bank for deposit to any Account or paid by the Bank. However, the acceptance of foreign currency notes is at the sole discretion of the Bank. 7.2 The Bank shall be entitled to prescribe fees and charges payable by the Account Holder from time to time in respect of the operation and the continuation of the Account (including any inactive or dormant Account or where the account balance of an Account falls below a minimum amount prescribed by the Bank at its sole discretion from time to time upon notice) in accordance with the laws and regulations of Vietnam. Paid fees and charges are generally non-refundable. The Account Holder shall refer to the list of the prevailing service fees and charges posted in the Bank s hall or obtain a copy of the list at the counter of the Bank for normal banking services before effecting any transaction. In case of other banking services which service fees and charges are not prescribed in the aforesaid list, the Account Holder shall refer to any written agreement or document relating to such services for further details. 7.3 The Bank shall be entitled to charge and debit any Account so as to obtain payment of service fees and charge, interest on overdrafts and debit balance, discounts, reimbursement of any legal or other fees, expenses and charges which the Bank may reasonably incur or impose in connection with the Bank's services to the Account Holder (including such reasonable costs and expenses incurred for enforcement of any right of the Bank in relation thereto). 7.4 The Bank may without giving any notice to the Account Holder, accept and retain for its own benefit rebates, fees and other forms of payment or soft dollar from any member of the Bank s group or third party on any transaction effected for the Account Holder. 8. Instructions 8.1 Subject to Rule 23.5, the Bank shall be entitled to, but shall not be obliged to, act on any instructions in connection with any Account given by or purporting to be given by the Account Holder or on behalf of the Account Holder by any authorised person(s) in accordance with the applicable mandate and/or other account-opening document signed by the Account Holder. Where the Account Holder s instructions may be given by different means or channels of 4

5 communication, the Bank shall act on the relevant instructions given in accordance with the authorisation arrangement for the applicable means or channel of communication. 8.2 Without limiting the generality of the foregoing, the Bank is authorised and may, in its absolute discretion, but shall not be obliged to, rely or act on any facsimile instructions given by the Account Holder or any authorised person(s) on behalf of the Account Holder in connection with any Account and all matters whatsoever arising from or touching upon the mandates, agreements, contracts and undertakings regarding the Account, including (but not limited to) the opening of further accounts and cessation or termination of any or all Account. The Account Holder hereby irrevocably and unconditionally agrees with and undertakes to the Bank as follows:- (c) (d) (e) (f) (g) (h) that the Bank shall not be liable for any loss or damage whatsoever suffered by the Account Holder or any other person arising from the use of facsimile instructions unless caused by the negligence or wilful default of the Bank, its officers and employees, and that the Account Holder shall hold the Bank harmless and keep the Bank fully indemnified promptly on demand from and against all actions, proceedings, suits, losses, damages, claims and interests whatsoever suffered or incurred by the Bank and such expenses (including legal fees), costs and charges reasonably incurred by the Bank arising from or in connection with such facsimile instructions; that a facsimile copy of the instructions by itself shall be sufficient authority for any transfer, payment or withdrawal from or transaction or operation of whatever nature concerning the Account and shall be conclusively binding on the Account Holder and that the Bank shall be entitled to, but shall not be obliged to, request the Account Holder to provide the original of the instructions so faxed thereafter for record purposes; that the Bank may refuse to accept any facsimile instructions if any of these Rules or the Bank s regulations or conditions (the Regulations ) or any applicable laws and regulations governing the Account for the time being in force shall not be complied with or otherwise observed; that if there is any inconsistency between the Regulations and these Rules, these Rules shall prevail to the extent of such inconsistency; that the Bank shall have no obligation to verify whether (i) any of the facsimile signatures or seals is genuine or forged or (ii) the facsimile signatures or seals have been applied with authority or knowledge of the Account Holder or (iii) any facsimile instruction has been duly authorised by the Account Holder and that the Bank shall be entitled to treat the instructions as fully authorized by and binding on the Account Holder unless caused by the negligence or wilful default of the Bank, its officers or employees or forgery or fraud on the part of any of its officers or employees provided that the Bank shall only be responsible for verifying the signature(s) on the instruction given against the specimen signature(s) provided to the Bank or that the instruction is given in accordance with the authorization arrangement for facsimile instructions in relation to the operation of the relevant Account; that the Bank may, but shall not be obliged to, require that any instruction shall contain such identification code or test as the Bank may from time to time specify in accordance with all applicable laws and regulations; that the Account Holder shall assume full responsibility for all risks and losses of whatever nature involved in or caused or occasioned by operating the Account by means of facsimile signatures or seals in lieu of original signatures or seals; and that the Account Holder shall promptly notify the Bank in writing if at any time the Account Holder shall become aware of or have reasonable ground to believe or suspect any unauthorised use of facsimile instructions and that the Bank shall not be responsible for allowing the Account to be operated by any facsimile instruction before the Bank has had a reasonable opportunity to respond after receipt of such notice. 8.3 Any instruction, once given, may not be rescinded or withdrawn without the written consent of the Bank. All instructions purporting to be given by or under the authority of the Account Holder 5

6 or by the authorised person(s) shall be binding on the Account Holder and the Bank shall not be liable for acting on such instructions, whether or not they were given by or under the authority of the Account Holder, or by the authorised person(s), or by any other person(s) purporting to be the Account Holder or the authorised person(s). The Bank shall be under no duty to verify the identity or authority of the person giving any instruction or the authenticity of such instruction apart from verifying the signature of such person against the specimen signature provided to the Bank or that the instruction is given in accordance with the authorisation arrangement for the applicable means or channel of communication (as the case may be) in relation to the operation of the relevant Account. 9. Change of Signing Arrangement and/or Authorised Signatories Any signing, affixation of seal or other authorisation arrangement and/or specimen signature(s) and/or seal(s) may only be changed by the Account Holder in such manner and by completing such form as the Bank may require, and any such change shall only be effective after the Bank has actually received the relevant instructions and has sufficient time to act accordingly. 10. Limitation of Liability 10.1 Unless caused by the negligence or wilful default of the Bank, its officers or employees or forgery or fraud on the part of any of its officers or employees, the Bank does not assume any liability or responsibility to the Account Holder or any third party for any liabilities, claims, losses, damages, demand, taxes, costs, charges and expenses of any kind (including legal fees on a full indemnity basis) which may be incurred or suffered by the Account Holder or any actions or proceedings which may be brought by or against the Account Holder arising from or in connection with any Account. In particular, but without limitation, the Bank does not assume any liability or responsibility for any liabilities, claims, losses, damages, demand, taxes, costs, charges, expenses, actions or proceedings which may arise from or in connection with any act or omission of any agent, custodian or counterparty involved in any transaction, any forgery or fraud of any third party, any change in national or international monetary, financial, political or economic conditions or foreign exchange markets, or any market disruption, foreign exchange controls, governmental measures or restrictions, or any other circumstance which is beyond the reasonable control of the Bank including, but not limited to, any breakdown, delay or failure of any transmission or communication facilities or clearing systems and, in any such case, the Bank shall be authorised to take such action and/or effect such transaction for and on behalf of the Account Holder as the Bank may, in good faith, consider appropriate in the circumstances Subject to the other provisions herein, if the Bank becomes responsible for any act or omission on its part or on the part of its officers, employees or agent, its liability shall be limited to whichever is the lesser of the value of the relevant transaction and the Account Holder s actual damage. The Bank shall not be responsible for any indirect, special or consequential loss or damage in any circumstances Whenever any deposit, instrument or other investment is placed or made by the Bank on behalf of the Account Holder, the Account Holder agrees that the Bank acts as his agent for his sole risk and account, and that the relevant transaction with each counterparty will be subject to the rules, terms and conditions as stipulated by the counterparty. 11. Indemnity 12. Set-off The Account Holder shall indemnify and keep the Bank fully indemnified promptly on demand in respect of all actions, liabilities, claims, demands, losses, damages and taxes of any kind made against or incurred by the Bank and such costs and expenses reasonably incurred by it (including legal fees) in connection with the maintenance of, or dealings with, the Account or dealing with any instrument for payment of money at the request of the Account Holder or the Bank s provision of services and exercise of its powers and rights in relation thereto unless caused by the negligence or wilful default of the Bank, its officers or employees or forgery or fraud on the part of any of its officers or employees, in which case the Bank will be liable to the extent specified in Rule

7 12.1 The Bank may, at its sole discretion and at any time without prior notice, combine or consolidate all or any of the Account (of whatever nature, wherever situate, whether in the name of the Account Holder solely or jointly with other(s) and whether subject to notice or not), and set-off 1, debit, withhold, apply and/or transfer any sum standing to the credit of one or more of the Account in or towards satisfaction of the Account Holder s obligations and/or liabilities to the Bank on any other Account or in any other respect whatsoever, whether such obligations and/or liabilities be present or future, actual or contingent, primary or collateral, several or joint, secured or unsecured and whether they are owed by the Account Holder to the Bank in whatever capacity, and, where such combination, consolidation, set-off, debit, withholding, application or transfer requires the conversion of one currency into another, such conversion shall be calculated at the spot rate of exchange (as conclusively determined by the Bank) prevailing in the relevant foreign exchange market at the relevant time. In the case of a joint Account, the Bank may exercise its rights in this Rule and apply any credit balance in such joint Account in or towards satisfaction of any obligations and/or liabilities owed to the Bank by one or more of the Account Holders These rights of the Bank shall be in addition and without prejudice to any lien or other right whatsoever to which the Bank may be entitled by law and shall apply to all liabilities of the Account Holder to the Bank, whether such liabilities or any of them arise on any Account or in any other respect or manner whatsoever, are actual or contingent, primary or collateral, sole, several or joint, require or are capable of discharge by performance or payment to the Bank in Vietnam or in any other country, and where the currency in which any such liability is owed or due may be different from the currency in which the Account or any of them are stated or owed or due, the Bank shall be entitled to sell the said currency and apply the proceeds in reduction, satisfaction or discharge of any indebtedness or liability of the Account Holder to the Bank. 13. Lien The Account Holder authorises the Bank to exercise a lien over all the Account Holder s property coming into the possession or control of the Bank for any reason whatsoever, whether or not in the ordinary course of banking business, with power for the Bank to sell such property, if necessary, and apply the net proceeds thereof to satisfy any of the Account Holder s obligations and/or liabilities to the Bank. 14. Bank s Right to Debit Account The Bank shall, at all times, be entitled to debit any Account in respect of all the Account Holder s obligations and/or liabilities to the Bank arising from or in connection with the Account and all transactions entered into between the Account Holder and the Bank, whether present or future, actual or contingent, primary or collateral, several or joint, secured or unsecured and whether they are owed by the Account Holder to the Bank in whatever capacity including, without limitation, the Account Holder s obligations and/or liabilities under Rules 10 and Business Hours The business hours of the Bank may be changed by the Bank from time to time in accordance with its business requirements. A poster or notice posted in the Bank s hall or given by such other means as the Bank considers appropriate shall constitute a sufficient written notice to the Account Holder of such change provided that no such notice shall be required in case of typhoon or rainstorm warning or other circumstances beyond the control of the Bank. 16. Retention of Account Documents 16.1 The Bank shall be entitled to retain all documents or information contained in whatever format relating to the Account and/or the Account Holder for such period as prescribed by any applicable laws and regulations Without prejudice to the Bank s rules relating to its handling of cheques and subject to all applicable laws and regulations, the Bank may, at its absolute discretion and at any time, destroy or dispose of all documents relating to the Account after they have been processed and 7

8 electronically imaged in such manner as the Bank thinks fit. Copies may be supplied by the Bank at its sole discretion to the Account Holder on request and upon payment of a reasonable charge. 17. Closure 17.1 The Account Holder may be notified either personally or in writing of the Bank s intention to close the account and interest will cease from the date of such to notification. The Bank, may, at any time also return to the Account Holder all or part of the amount, which may be standing to his credit, or refuse to accept further deposits from him/her or limit the amount of such deposits in its absolute discretion All accounts with no transaction for period of 365 days successively and continuously inactive from date of last transaction shall be considered and classified as dormant In the case of an inactive, dormant or unsatisfactory Account or to safeguard the interest of the Bank in appropriate circumstances, the Bank may, at any time at its absolute discretion, by giving reasonable notice to the Account Holder close the Account and/or terminate any facility or service made available to the Account Holder provided that the Bank may give notice to the Account Holder to close the Account and/or terminate any facility or service with immediate effect in exceptional circumstances (including, but not limited to, the Bank s suspicions that an Account is being used for unlawful or illegal purposes under any applicable laws and regulations). Upon such notice of closure and/or termination being sent to the Account Holder by such means as the Bank considers appropriate, the Bank shall be totally released or discharged from any further obligations including payment of any cheque drawn by the Account Holder and subsequently presented. The Account Holder shall be held solely responsible for any consequences resulting or arising from any such closure and/or termination The Bank may transfer any balance in a closed Account to the Bank s unclaimed balance account. The Account Holder may collect the balance from the Bank during the Bank s business hours or the Bank may, at its sole discretion, remit the balance by cheque or otherwise to the last address of the Account Holder registered with the Bank. 18. Communications 18.1 All communications, notices or documents to be given by the Bank shall be validly given if sent to the last known address of the Account Holder registered with the Bank and shall be deemed to have been duly given and received by the Account Holder if:- (c) personally delivered or delivered by courier to such address, on the day of the delivery; sent by post, on the second day (or on the seventh day if overseas) after the day of posting; and in the case of a fax or , on issue to the sender of an O.K or sent result confirmation or, if the day of issue is not a business day, on the next business day All items sent to the Account Holder or delivered to a person authorised to act on behalf of the Account Holder shall be supplied at the Account Holder s sole risk, and the Bank shall not be liable or responsible therefore in any event except if it is due to the negligence or wilful default of the Bank, its officers or employees If the Account Holder has instructed the Bank to hold all or any documents or notices pursuant to a Hold Mail arrangement, the Account Holder agrees that any such documents or notices forwarded to such Hold Mail address shall be regarded as valid receipt by the Account Holder notwithstanding that it may be impossible for the Account Holder to review such documents or notices and notify the Bank of any error, omission or non-acceptance before they are deemed (by Rule 5.2 or 19 or otherwise) to be binding on the Account Holder All communications sent by the Account Holder to the Bank shall be in writing and shall be signed by the authorised signatories in the same style and manner as specified for the operation of the Account and shall be deemed to be delivered to the Bank on the day of actual receipt. 8

9 18.5 Where any notice, instruction, order or other communication whatsoever is made or given to the Bank by telegram, cablegram, telex, tele-facsimile or orally and purports to be sent or given by the Account Holder or a person or persons authorised to act on behalf of the Account Holder, the Bank is authorised and entitled, but not obliged, to treat such notice, instruction, order or communication for the purpose of these Rules as being in writing and signed by the person or persons by whom the same purports to be sent; and the Bank may, but is not obliged to, require such confirmation, whether written or otherwise, as it may in its absolute discretion consider appropriate and act in reliance thereon. 19. Debt Collection Agents The Bank may appoint any person or corporate entity licensed to carry out debt collection activities as its agent for collecting any or all indebtedness owed by the Account Holder to the Bank and the Account Holder shall be responsible for all costs and expenses reasonably incurred by the Bank for that purpose on each occasion. 20. Amendment to Rules The Bank reserves the right to revise, amend or cancel, in whole or in part, any of these Rules and Regulations relating to the operation and the continuation of any Account. The Account Holder will be notified by the Bank in advance in respect of any change(s) made to the Rules before such amendment(s) take(s) effect. Any notification may be in such form and may be given by statement or advice insert, display of notice in the Bank s banking hall, advertisement or such other means as the Bank deems fit and shall be binding on the Account Holder if the Account Holder continues to maintain the relevant Account on the effective date thereof. 21. Use of Account Holder Information 21.1 The Bank may collect, acquire, store, use and disclose any information relating to the Account Holder, the Account and/or all or any transactions or dealings between the Bank and the Account Holder and, without prejudice to the generality of the foregoing, the Bank may disclose any such information to any member of the Bank s group, any transferee, assignee or participant of all or any part of the assets or business of the Bank, any credit information bureau or credit reference agency and/or any financial institution, credit card company or any other person who provides credit facilities or is engaged in the provision of any financial service, any debt collection agency and/or computer firm and/or agent and/or third party service provider appointed or to be appointed by the Bank for processing of information in or outside Vietnam and that any of the aforesaid persons or entities may utilise such information in the ordinary course of their respective businesses in accordance with the laws of Vietnam The Account Holder and (if applicable) each of the Account Holder s partners/directors may at any time request the Bank to inform him of the items of data which are routinely disclosed to a credit reference agency and in the event of default to a debt collection agency; and request the Bank to provide him with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency. 22. Governing Law These Rules, the account relationship between the Bank and the Account Holder and the Bank s obligations to pay any amount standing to the credit of any Account shall be governed by the applicable laws and regulations in Vietnam. The Account Holder agrees to submit to the nonexclusive jurisdiction of the courts of Vietnam in respect of any dispute arising out of or in connection to these Rules. 23. Duties of the Account Holder 23.1 The Account Holder agrees and undertakes with the Bank to act in a responsible manner in respect of each Account and shall immediately report to the Bank in case of any knowledge or suspicious circumstances of fraud, forgery or unauthorised instructions or transactions relating to an Account. 9

10 23.2 The Account Holder shall not permit or procure an Account to be used for any illegal transaction or purpose. Further, the Account Holder shall not charge, pledge, assign, transfer, or create any encumbrance over, all or any of the Account Holder s rights and interests in and to any Account without the Bank s prior written consent, failing which any such charge, pledge, assignment, transfer or encumbrance so created shall be null and void against the Bank. 24. Joint Account and Partnership 24.1 This clause 23 shall apply where the Account Holders consist of more than one person such as joint account holders or joint service users, trustees or personal representatives The Account Holders will be jointly and severally liable for all or any of the obligations or liabilities under the Account Rules or in any other dealings between the Account Holders and the Bank Unless otherwise agreed between the Account Holders and the Bank in writing and until we receive written notice signed by all of the Account Holders withdrawing or varying the same so as to limit such authority to a specific named individual:- (c) each joint account holder of the Account or joint user of the Service will have sole authority on behalf of all the joint account holders or all the joint service users to deal with the Bank fully and completely as if he were the sole owner of the Account or user of the Service without any notice to the other joint account holders or other joint service users (as the case may be); any of the joint account holders or the joint service users may give the Bank an effective and final discharge in respect of any of the Bank s obligations; and any notice or communication given to one of the joint account holders or the joint service users shall be deemed to be given to all On the death of any of the account holders or the service users, the Bank shall close the Bank Account(s) with immediate effect and hold any credit balance on any Bank Account(s) and any securities, valuables or other property and assets held in our joint names to the order of the inheritor(s) of the deceased and the survivor(s) in accordance with provisions of law, without prejudice to any right the Bank may have in respect thereof arising out of any set-off, lien, mortgage, charge, pledge, counterclaim or otherwise whatsoever (on the condition that the Bank has been duly informed by the survivor(s) of us and/or the inheritor(s) of the deceased in accordance with clause 6(e) below) Notwithstanding the foregoing provisions, the Bank reserves the right:- to require joint instructions from some or all of the joint account holders or the joint service users before taking any action under the Account Rules; and if the Bank receives instructions from any one of the joint account holders or the joint service user which are not consistent with other instructions, to advise one or more joint account holders or joint service users of such conflict or inconsistency and/or take no action on any such instructions until it receives further instructions in the form and substance satisfactory to it If the Account Holder is a partnership, the following provisions shall apply:- unless otherwise agreed by the Bank, the partnership agreement, if any, will not bind the Bank and the operation, maintenance or closing of a partnership account with the 10

11 Bank or uses of the Service by a partnership are governed by and subject to these Account Rules; (c) (d) all partners, whether general, special or limited, will be jointly and severally responsible for their obligations and liabilities under the Account Rules; notwithstanding any change in the Account Holder s constitution, the remaining partners will have full power and authority to deal with the Account or the Service in any way until the Bank shall have actually received the notice of change; and unless otherwise agreed by the Bank, the Account Holder will give the Bank a new mandate and open a new account upon any change of constitution. 25. Force Majeure 25.1 While the Bank shall use its best endeavour to comply with its obligations in a timely manner it will incur no liability whatsoever for any partial or non-performance of any of its obligations by reason of any cause beyond its reasonable control including but not limited to any communication, systems or computer failure, market default, suspension, failure or closure, or the imposition or change (including a change of interpretation) of any law or governmental or regulatory requirement and we shall not be held liable for any loss the Account Holder may incur as a result thereof. 26. Waiver 26.1 No failure to exercise or enforce and no delay in exercising or enforcing on the part of the Bank of any right, remedy, power or privilege under the Account Rules shall operate as waiver thereof, nor shall any single or partial exercise or enforcement of any right, remedy, power or privilege hereunder operate as a waiver thereof, nor shall any single or partial exercise or enforcement of any right, remedy, power or privilege preclude any other further exercise or enforcement thereof, or the exercise or enforcement of any other right, remedy, power or privilege. The rights, remedies, powers and privileges herein provided are cumulative to and not exclusive of any right, remedy, power and privilege provided by law or other documents held by the Bank. 27. Successors and Assigns 27.1 The Account Rules shall be binding upon, and endure to the benefit of, the parties to the Account Rules and their respective successors and permitted assigns The Account Holder will not assign any of his/her rights, benefits, powers, obligations or liabilities under the Account Rules The Bank may at any time assign all or any of its rights, benefits or powers hereunder and in that event the assignee shall have the same rights, benefits or powers against the Account Holder as he would have had as if the assignee had been a party hereto and the Account Holder waives and forgos all his/her rights, if any, to challenge the validity of any such assignment by way of this sub-clause Miscellaneous 28.1 The Bank shall be entitled to act or rely on any instructions given by the Account Holder or any authorised person(s) in accordance with the signing arrangement(s) specified in the relevant account mandate without requiring the impression of a chop and notwithstanding any discrepancy in the chop used for the Account from time to time. It is the duty of each signatory signing in a representative capacity to assess the risk of his incurring personal liability in any transaction without use of the relevant chop The Bank shall be entitled at all times to correct any errors made by the Bank either in crediting or debiting any account or in executing any order in connection there with. Without limiting any other provisions hereof, the Bank shall not be liable for any error which is rectified by the Bank 11

12 within a reasonable time under the circumstances after the Bank has knowledge thereof and the Account Holder hereby waives, to the fullest extent permitted by law, any claim against the Bank in respect of any such errors The Account Holder must promptly notify the Bank in writing of any change of address or other particulars in relation to the Account and/or the Account Holder recorded and registered with the Bank. The Bank shall not be responsible for any loss or damage by way of any payment made due to the Account Holder s failure to notify the Bank in writing of such changes or prior to the Bank receiving such written notice and being allowed a reasonable period to process such change Notwithstanding any cheques, monetary instruments, orders or payment instructions are signed by or on behalf of the Account Holder, the Bank is authorised to act on any instruction, whether oral or in writing, given by or on behalf of the Account Holder countermanding, cancelling or reversing them at the sole discretion of the Bank and subject to such conditions as the Bank may prescribe from time to time Account are governed by these Rules and also by the Bank s by-laws, the Regulations and practices in force from time to time, brought to the attention of the Account Holder by such means as the Bank deems fit The Bank shall be entitled to act in accordance with its regular business practice and procedure and will only accept instructions insofar as it is (in the Bank s sole opinion) practicable and reasonable to do so and may refuse to accept or act on any instruction which may adversely affect the interest of the Bank. For the avoidance of doubt, the Bank is authorised to participate in and comply with the rules and regulations of any organisation which regulates the conduct of banking business and any system which provides central clearing, settlement and similar facilities for banks but, in each case, without liability for any acts or omissions on the part of the operator or manager of any such organisation or system The Bank shall not be liable under any circumstances to the Account Holder for any decrease in the value of the funds credited to any account due to the imposition of withholding or any other taxes or any fluctuation in currency exchange rates The Bank shall be entitled to prescribe interest rates and deposit charges applicable to various types of accounts at its absolute discretion at any time and from time to time Each of the provisions of these Rules is severable and distinct from the others and, if at any time one or more of such provisions is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction, the legality, validity or enforceability of the remaining provisions under that law and the legality, validity or enforceability of the relevant provisions under the law of other jurisdictions shall not be affected in any way The Account Holder irrevocably authorises the Bank, if any banking or credit facilities are made available by the Bank to the Account Holder, to provide the following to any guarantor and/or third party providing security in respect of such facilities:- (c) a signed copy of the relevant facility letter or any agreement evidencing the obligations to be guaranteed or secured, or a summary thereof; a copy of any formal demand for overdue payment (if any) which is sent to the Account Holder following the Bank s customary reminder; and upon request by the guarantor or third party security provider, a copy of the latest statement of the relevant Account provided to the Account Holder (if any) No payment to the Bank under these Rules pursuant to any judgment, court order or otherwise shall discharge the obligation of the Account Holder in respect of which it was made unless and until payment in full has been received in the currency in which it is payable under these Rules and, to the extent that the amount of any such payment shall, on actual conversion into such currency, at the rate which the Bank determines to be prevailing in the relevant foreign exchange market at the relevant time, fall short of the amount of the obligation expressed in that currency, the Account Holder shall be liable for the shortfall. 12

13 28.12 In these Rules, unless the context otherwise requires:- (c) Account Holder includes the Account Holder s successor and assign and, where the Account Holder is an individual or a firm, also includes any executor or personal representative of such individual or sole proprietor. Where the Account Holder comprises of more than one person or party, these Rules are binding on such persons or parties jointly and severally; any reference to a person includes an individual, a body corporate, a partnership, any other unincorporated body or association of persons; and words importing a gender include every gender The English version of these Rules is for reference only. The Vietnamese version of these Rules shall prevail wherever there is a discrepancy between the English and the Vietnamese versions. 13

14 II. BANK SERVICES AND FACILITIES The following sections outline some of the services and facilities which may be offered and provided by the Bank to the Account Holder from time to time. The Bank may from time to time introduce other services and facilities to the Account Holder subject to their respective additional terms and conditions and/or the terms set out in the following relevant sections insofar as they are applicable. The Bank may vary, suspend and/or terminate any of the services and facilities at any time at its sole discretion and will use reasonable efforts to notify the Account Holder in respect thereof. Where the Account Holder has paid any charge which is specifically expressed to be for a particular service or facility which is not available, the Bank will reimburse the Account Holder the amount of such charge or a pro-rata portion thereof. A. Additional Account Rules for Checking Account 1. Blank cheques are provided by the Bank upon receipt of a signed application from the Account Holder using the same signature and/or seal as that in the Bank s file or upon receipt of instructions therefore by other means acceptable to the Bank. If the Account Holder does not hand in the application in person, the Bank may at its sole discretion hand over the cheque book to the Account Holder s Authorised Representative or forward it to the last known address of the Account Holder registered with the Bank by mail or by hand at the Account Holder s expense, costs may be debited by the Bank from any Account of the Account Holder. The Bank may refuse to issue a cheque book at its discretion. Pay-in books or slips (if any) are supplied to Account Holder to be used in accordance with any regulations printed on them. 2. Upon receipt of a cheque book, the Account Holder should count the number of cheques and examine the account and serial numbers printed on them to ensure that there are no discrepancies and read the conditions as printed on the inside of the cover of the cheque book which form part of these Rules. If any error is found, the Account Holder should notify the Bank immediately. Cheque books should be kept in a secure place. 3. The Account Holder must sign cheques with the signature(s) and affix the seal (if applicable) which conform(s) with the specimen signature(s) and seal signing arrangements registered with the Bank. In addition, to prevent fraud and forgery:- (c) (d) (e) (f) (g) (h) no cheques should be drawn on forms other than those issued by the Bank and no blank cheques should be given to any person; cheques issued by the Bank should be used only for drawings on the Account for which the cheques are issued; the Account Holder must exercise care when drawing cheques and agrees that he will not draw cheques by any means and/or in any manner which may enable a cheque to be altered or may facilitate fraud or forgery. All cheques should be written or printed in non-erasable ink or ball-point pen and no cheques should be printed with correctable typewriter ribbon; the words and figures on a cheque should agree and be written in such a way that no space is left for additional insertions and the word only should be added at the end of the amount in words. Arabic numerals should be used and written as clear and plain as possible; cheques may not be altered in any way even if the authenticated by the full signature(s) or initials of the drawer(s) The Account Holder acknowledges that the Bank shall not be liable for losses arising from alterations of cheque(s) which cannot be readily detected; for the sake of security, cheques sent through the post or otherwise should have the words Or Bearer deleted and should be crossed. The cheques can then only be paid through bank accounts. Further, only envelopes which do not reveal their contents should be used to send cheques; the Account Holder must be aware of the risk of issuing a bearer cheque and acknowledges and confirms that the Bank shall not be liable to the Account Holder for paying a bearer cheque issued by the Account Holder (a cheque drawn payable to bearer is payable by the Bank to any person presenting the cheque whereas a cheque drawn payable to a person is payable by the Bank to such person or as such person may direct); when a signed cheque is lost, the Account Holder should immediately report the loss to the Bank in writing with instructions to stop payment of the cheque. If a cheque is stolen, 14

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