IU KIN IU KHON KIM HP NG S DNG TH TN DNG QUC T (P DNG CHO KHCH HNG C NHN) IU KHON CHUNG 1.

GII THCH T NG Cc t ng s dng trong iu kin iu khon kim Hp ng s dng th tn dng quc t ny c hiu nh sau: - Ngn hng: l Ngn hng TMCP K thng Vit Nam (Techcombank), thc hin pht hnh v thanh ton th tn dng theo quy nh ca Ngn hng Nh nc Vit Nam v T chc Th quc t. - Ch th: l c nhn c Ngn hng cung cp Th s dng theo Hn mc tn dng c cp, c tn v ch k trn Th. Ch th bao gm Ch th chnh v Ch th ph (nu c). Ch th chnh l c nhn ng tn tha thun v vic s dng Th vi Ngn hng v c ngha v thc hin tha thun ny. Ch th ph l c nhn c Ch th chnh cho php s dng Th theo iu kin iu khon kim Hp ng s dng th tn dng quc t ny. Ch th ph c s dng Hn mc tn dng chung vi Hn mc tn dng do Ngn hng cp cho Ch th chnh v chu trch nhim v vic s dng Th, s dng Hn mc tn dng vi Ch th chnh. - Th/Th tn dng: trong phm vi iu kin iu khon kim Hp ng s dng th tn dng quc t ny c hiu l tt c cc loi th tn dng do Techcombank pht hnh. - Th tn dng Vietnam Airlines Techcombank Visa: l mt loi th do Ngn hng pht hnh trn c s tha thun hp tc gia Ngn hng v Vietnam Airlines, cho php ch th thc hin giao dch th trong phm vi hn mc tn dng c cp theo tho thun vi Ngn hng. - Th tn dng c bo him: l nhng loi th tn dng m ch th chnh ca nhng loi th tn dng ny cTechcombank tng mt hp ng bo him theo sn phm ca cng ty bo him. Danh sch cc loi th tn dng c bo him s c Techcombank thng bo c th ti phn ni dung ca sn phm th tn dng trn website ca Ngn hng theo tng thi im. - Ch th chnh th tn dng c bo him: l ch th chnh ca cc loi th tn dng c bo him v c Ngn hng v Cng ty bo him chp nhn bo him. - M s c nhn (PIN): l m s mt c nhn ca Ch th v c s dng trong mt s loi hnh giao dch th chng thc Ch th. M s ny do Ch th chu trch nhim bo mt. Trong giao dch in t, PIN c coi l ch k ca Ch th. - Ti khon: l ti khon ca Ch th do Ngn hng m v qun l vic s dng Hn mc tn dng c cp theo iu kin iu khon kim Hp ng s dng th tn dng quc t ny. Ch th ph s dng chung mt ti khon vi Ch th chnh
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- Giao dch th: l giao dch trong Ch th s dng Th rt tin mt, thanh ton tin hng ha, dch v hoc s dng cc dch v c php khc do Ngn hng hoc cc t chc thanh ton th khc cung ng. - Thi hn hiu lc th: l thi hn Ch th c php s dng Th. Thi hn hiu lc c in trn Th. - Ngy ht hn th: l ngy cui cng ca thng ht hn c in trn Th. - Thi hn cp hn mc: Thi hn cp hn mc Th tn dng bng Thi hn hiu lc Th cng thm 03 thng (tnh t ngy ht hn hiu lc Th). - My giao dch t ng (ATM Automated Teller Machine): l thit b m Ch th c th s dng rt tin mt hoc thc hin mt s giao dch c php khc. - n v chp nhn th (VCNT): l t chc hoc c nhn chp nhn thanh ton hng ha, dch v, cung cp dch v np, rt tin bng Th. - T chc Th quc t (TCTQT): l hip hi cc t chc ti chnh, tn dng tham gia pht hnh v thanh ton th quc t. - T chc thanh ton th (TCTTT): l ngn hng, t chc khc khng phi l ngn hng c php thc hin dch v thanh ton th theo quy nh ca php lut v ca TCTQT. - Hn mc tn dng: l gi tr tn dng ti a m Ch th c Ngn hng cho php s dng trong mt Chu k tn dng. - Chu k tn dng: l khong thi gian k t khi Ch th bt u s dng Hn mc tn dng c Ngn hng cp cho n khi Ch th hon tr li ton b d n khi phc li ton b Hn mc tn dng c cp. - K sao k: l khong thi gian Ngn hng ln Sao k c tnh t sau Ngy sao k ca k lin trc k sao k n Ngy sao k ca k tip theo. - Sao k: l bng k lit k chi tit cc pht sinh trong K sao k (cc khon thanh ton, rt tin mt cng ph v li pht sinh, cc khon tr n), D n cui k, Gi tr thanh ton ti thiu, Ngy n hn thanh ton v cc thng tin khc. Sao k c gi cho Ch th hng thng sau Ngy sao k lm cn c tr n. - Ngy sao k: l ngy Ngn hng lp Sao k v do Ngn hng quy nh. - Ngy n hn thanh ton: l ngy cui cng m Ch th phi thanh ton cho Ngn hng cc khon chi tiu cng ph v li pht sinh trong K sao k theo quy nh ca Ngn hng. - Gi tr thanh ton ti thiu: l khon tin ti thiu Ch th phi thanh ton cho Ngn hng trong mi K sao k theo quy nh ca Ngn hng. - S d: L s d th tn dng, bao gm gi tr cc Giao dch th, cc giao dch tr n, ph, li v cc
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giao dch pht sinh khc lin quan n vic pht hnh v s dng Th. - S d cui k: L S d tnh n ht Ngy sao k, c th hin trn Sao k. - D n: L s tin Ch th ang n Ngn hng ti mt thi im bt k pht sinh t vic pht hnh v s dng Th. - D n cui k: L S tin Ch th ang n Ngn hng tnh n ht Ngy sao k. - Ti sn bo m: l tin k qu, giy t c gi hoc ti sn khc p ng quy nh ca Ngn hng, c Ngn hng chp nhn lm Ti sn bo m cho vic s dng Hn mc tn dng ca Ch th v khng dng thanh ton cc K sao k. - Tn chp: l trng hp Ch th c Ngn hng cp Hn mc tn dng nhng khng phi s dng Ti sn bo m cho khon Hn mc tn dng c cp. - Vietnam Airlines: l Tng cng ty Hng khng Vit Nam. - Chng trnh GLP: Chng trnh Khch hng thng xuyn Bng Sen Vng ca Vietnam Airlines. - Hi vin GLP: Hi vin ca Chng trnh GLP. - Cng ty bo him: l cng ty cung cp cc sn phm bo him theo ng quy nh ca php lut Vit Nam. - Sn phm bo him: l sn phm do Cng ty bo him cung cp cho Ngn hng theo cc qui tc bo him c B ti chnh ph duyt v cp php, v c Ngn hng mua dnh tng cho Ch th chnh th tn dung dng c bo him. Vic Ngn hng mua sn phm bo him ca Cng ty bo him c th no tng cho Ch th chnh th tn dng c bo him s c Ngn hng thng bo trn website chnh thc ca Ngn hng vo tng thi im c th. - Ngy x l giao dch ca TCTQT: l ngy m TCTQT thc hin x l cc giao dch do cc VCNT chuyn v h thng ca TCTQT. HN MC CA TH V HNG TH 2. HN MC TN DNG V HNG TH Cn c ngh ca Ch th, Ngn hng cp Hn mc tn dng v hng th cho Ch th theo quy nh ca Ngn hng. 3. HN MC S DNG TH Trong phm vi Hn mc tn dng Th c cp, Ch th phi tun theo Hn mc s dng Th di dy: - Hn mc rt tin mt: Mi Ch th c php s dng Th rt tin mt trong phm vi hn mc rt tin mt nht nh theo quy nh ca Ngn hng ti tng thi im. - Hn mc thanh ton hng ha, dch v: L mt phn ca Hn mc tn dng c s dng thanh ton hng ho, dch v trong mt Chu k tn dng. Phn hn mc rt tin mt m Ch th cha s dng trong mt Chu k tn dng s c t ng chuyn sang hn mc thanh ton hng ho, dch v ca Chu k tn dng .
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- Hn mc qun l s dng Th: L tng Hn mc tn dng v/hoc tng s ln s dng Th trong mt ngy hoc mt s ngy nht nh do Ngn hng cp cho Ch th nhm hn ch cc trng hp ri ro (nu c) do vic s dng th gi mo, th b mt cp, tht lc. Nu Ch th c nhu cu thay i hn mc qun l s dng Th, Ch th phi lin h vi Ngn hng c xem xt v thay i hn mc theo quy nh ca Ngn hng. - Hn mc s dng Th s theo quy nh ca Ngn hng trong tng thi k. TH CHNH V TH PH 4. TH CHNH V TH PH - Cc Ch th chnh c quyn yu cu Ngn hng pht hnh ti a 02 (hai) th ph. - Trng hp Ch th chnh l ngi c t chc bo lnh s dng Th khng c php pht hnh th ph nu khng c bn bo lnh chp thun. - Ch th chnh v (cc) Ch th ph cng s dng chung mt Hn mc tn dng m Ngn hng cp cho Ch th chnh v cng chu trch nhim thanh ton cho Ngn hng D n khi c yu cu. Trong trng hp Ch th chnh khng c kh nng thanh ton D n, (cc) Ch th ph phi c trch nhim thanh ton ton b D n v ngc li. - Giao dch ca Ch th chnh v (cc) Ch th ph c th hin trn cng mt Sao k v c gi cho Ch th chnh thanh ton. - Ch th chnh v (cc) Ch th ph cng chu trch nhim lin i v mi ngi chu trch nhim c nhn trong vic thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny. Vic mt kh nng thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny ca Ch th chnh v bt k l do g v trong bt k trng hp no cng khng lm gii tr ngha v lin i ca (cc) Ch th ph trong vic thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny. Trng hp Ch th chnh hoc Ch th ph mt kh nng thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny th (cc) Ch th cn li c trch nhim thc hin ngha v ca tt c cc Ch th i vi Ngn hng. - Trng hp Ch th b cht, mt tch, hoc mt nng lc hnh vi th vic thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny c thc hin theo quy nh ca php lut. - Ch th chnh c quyn yu cu Ngn hng ngng vic s dng th ph bng vn bn. Nu vic s dng Th ca Ch th chnh b chm dt hoc iu kin iu khon kim Hp ng s dng th tn dng quc t ny b chm dt th vic s dng th ph ca Ch th ph ng nhin chm dt theo. LI SUT CHO VAY V PHNG PHP TNH LI 5. LI SUT CHO VAY V PHNG PHP TNH LI 5.1. Li sut cho vay
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- Li sut cho vay i vi vic s dng Th tn dng s do Ngn hng ban hnh theo tng thi k v Ngn hng c quyn thay i li sut cho vay trong Thi hncp hn mc, vic ban hnh v thay i li sut cho vay c cng b cng khai ti tr s ca Ngn hng v/hoc trn website ca Ngn hng. - Li sut c tnh trn c s 01 nm c 360 ngy. 5.2. Nguyn tc tnh li i vi phn D n phi tr li (theo quy nh ti mc 5.3 di y), tin li c tnh trn d n thc t ca Ch th v thi gian vay thc t (t ngy cc giao dch c cp nht vo h thng qun l th ca Ngn hng n ngy Ch th hon tr ht n). Tin li c tnh theo ngy, c cng dn v ghi n vo Ngy sao k. 5.3. Cc quy nh v min li/thu li i vi tng loi giao dch 5.3.1.i vi giao dch thanh ton hng ho, dch v/Giao dch thu ph/Giao dch thu li: - Chm nht vo Ngy n hn thanh ton, nu Ch th thanh ton thnh cng ton b D n cui k c thng bo trn Sao k th Ngn hng s min li cho ton b D n ca cc giao dch thanh ton hng ho, dch v/Giao dch thu ph/Giao dch thu li pht sinh trong K sao k ca Ch th - Chm nht vo Ngy n hn thanh ton, nu Ch th khng thanh ton ton b D n cui k, Ngn hng s tnh li i vi ton b d n ca cc giao dch thanh ton hng ho, dch v/Giao dch thu ph/Giao dch thu li pht sinh trong K sao k ca Ch th theo nguyn tc quy nh ti mc 5.2 ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny. 5.3.2.i vi giao dch rt tin mt: Ngn hng khng p dng hnh thc min li i vi d n ca loi giao dch ny. D n ca giao dch rt tin mt s b tnh li theo nguyn tc quy nh ti mc 5.2 ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny. 5.3.3 i vi cc giao dch c tra sot, khiu ni ca Ch th: Li v ph pht sinh i vi cc giao dch tra sot, khiu ni ca Ch th m cha thanh ton cng c tnh theo nguyn tc c quy nh ti mc 5.1, 5.2 v khon 5.3.1, 5.3.2 iu ny. Ngn hng s hon li cho Ch th cc khon li/ph pht sinh cho Ch th i vi nhng giao dch tra sot, khiu ni ng. THANH TON N, THU HI N V CHUYN N QU HN 6. THANH TON N, THU HI N V CHUYN N QU HN 6.1. Th t thanh ton n D n s c Ngn hng thanh ton theo th t u tin c quy nh di y v theo th t thi gian giao dch c cp nht vo h thng: - Cc khon li v ph; - Cc khon giao dch rt tin mt; - Cc khon giao dch thanh ton hng ha, dch v. 6.2. Thanh ton n
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- Ngn hng quy nh Ngy sao k i vi mi loi Th tn dng c th. Nu Ngy sao k trng vi ngy th 7, Ch nht hoc ngy l th Ngy sao k s l ngy lm vic tip theo. - Vo Ngy sao k, Ngn hng s lit k tt c cc giao dch ca Ch th pht sinh trong K sao k. Cc giao dch ngoi t c chuyn i sang ng Vit Nam (VND) theo t gi ca TCTQT v/hoc theo t gi quy i ca Ngn hng ti thi im giao dch c cp nht vo h thng ca Ngn hng. Ngn hng s thu (cc) ph pht sinh theo quy nh ca Ngn hng trong tng thi k. - Ngn hng thc hin gi Sao k cho Ch th qua hnh thc ph hp theo quy nh ca Ngn hng trong tng thi k v ti a ch nhn Sao k m Ch th ng k vi ngn hng. Ch th c trch nhim thng bo cho Ngn hng nu thay i a ch nhn Sao k. - Ch th c trch nhim kim tra v thanh ton ng hn cho Ngn hng tt c cc khon n pht sinh nh ni dung ghi trn Sao k theo quy nh (mc t nht bng Gi tr thanh ton ti thiu). Ch th phi thng bo bng vn bn cho Ngn hng cc thc mc ca mnh lin quan n cc giao dch trn Sao k trong vng 10 ngy, k t ngy Ngn hng gi Sao k. Nu trong thi hn , Ngn hng khng nhn c thng bo ca Ch th th coi nh Ch th ng thanh ton tt c cc giao dch, ph v li pht sinh th hin trn Sao k. - Ch th c th thanh ton bng tin mt, sc hoc chuyn khon. - Ch th c th y quyn cho Ngn hng t ng ghi n ti khon tin gi thanh ton ca Ch th m ti Ngn hng thanh ton D n cui k. Ch th phi m bo ti khon ny lun s d cn thit Ngn hng ghi n trong khong thi gian quy nh (t sau Ngy sao k n Ngy n hn thanh ton). Nu trong khong thi gian s tin trch t ti khon ny khng thanh ton D n cui k, Ch th c trch nhim thanh ton trc tip cho Ngn hng phn d n cn li ng hn v phi chu cc khon ph, li pht sinh (nu c). - Vic thanh ton n ca Ch th ch c tnh l thnh cng khi h thng ca Ngn hng ghi nhn c giao dch ca Ch Th ( Ngn hng nhn c bo c vi s tin thc bo c). S tin thanh ton nhn c sau gi lm vic ca Ngn hng (17h) s c tnh sang ngy lm vic k tip. 6.3. Thu hi n - Sau 30 ngy k t Ngy n hn thanh ton, nu Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu, Ngn hng c quyn xem xt vic ngng s dng Th tm thi. - Sau 60 ngy k t Ngy n hn thanh ton, nu Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu, Ngn hng c quyn chm dt vic s dng Th, thu hi Th, tin hnh cc th tc thu hi n vay v x l

Ti sn bo m v chuyn ton b D n cha thanh ton sang n qu hn. - Khi ht Thi hn cp hn mc, nu Ch th cha thanh ton ht ton b D n, Ngn hng s tin hnh cc th tc thu hi n vay, x l Ti sn bo m v chuyn ton b D n cha thanh ton sang n qu hn. - Trng hp Ch th khng thanh ton ng hn cho Ngn hng theo quy nh, Ngn hng c quyn thu n t cc ngun lng, thu nhp ca Ch th hay t c quan, n v cng tc hay bt c ti sn no khc ca Ch th m khng cn c xc nhn ca Ch th. Vic x l ti sn thu n s c thc hin theo quy nh ca Ngn hng v quy nh ca php lut. 6.4. Chuyn n qu hn - D n Th tn dng c chuyn thnh n qu hn v b p dng li sut qu hn theo quy nh ca ngn hng trong cc trng hp sau : Sau 60 ngy k t Ngy n hn thanh ton, nu Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu; Ht Thi hn cp hn mc, nu Ch th cha thanh ton ton b D n. - Thi hn thanh ton n qu hn khng c qu 10 ngy k t ngy chuyn n qu hn. Qu thi hn ny m Ch th khng thanh ton th Ngn hng c quyn p dng cc bin php do Ngn hng la chn thu hi ton b D n. Ch th phi thanh ton ton b khon n v c trch nhim chu mi khon chi ph pht sinh lin quan n vic Ngn hng thc hin cc bin php thu hi n nh ph lut s, n ph, ph x l ti sn, chi ph i li, thng tin lin lc, sao, chp, cng chng, dch thut ti liu, chun b ti liu t tng, ph thi hnh n m khng cn chng t chng minh. - i vi cc trng hp Ch th b p dng li sut qu hn, li sut qu hn c Ngn hng chuyn v li sut trong hn ch khi Ch th thc hin thanh ton ton b d n qu hn hin c ca Th tn dng. THAY TH V CHM DT S DNG TH TN DNG 7. THAY TH V CHM DT S DNG TH TN DNG - Ch th c quyn yu cu Ngn hng pht hnh Th mi thay th khi Th b mt cp, tht lc hoc b h hng trong Thi hn hiu lc Th v Ch th phi tr ph pht hnh Th cho Ngn hng. - Khi ht Thi hn hiu lc Th, Ngn hng s gi thng bo bng vn bn cho Ch th v vic Th ht hn s dng v Ch th c trch nhim thanh ton tt c cc khon giao dch trc thi im vic chm dt iu kin iu khon kim Hp ng s dng Th c hiu lc. Trong trng hp Ch th c nhu cu tip tc s dng Th, Ch th phi thc hin th tc pht hnh Th mi Ngn hng xem xt v cp duyt.
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- Khi n phng chm dt s dng iu kin iu khon kim Hp ng s dng th tn dng quc t ny, Ch th c trch nhim gi tr li Th cho Ngn hng ng thi phi gi thng bo bng vn bn cho Ngn hng. Vic chm dt iu kin iu khon kim Hp ng s dng th tn dng quc t ny c hiu lc khi Ch th thanh ton ton b D n; v cc tra sot, khiu ni ca Ch th (nu c) c gii quyt xong. - Khi chm dt vic s dng Th theo yu cu ca Ngn hng hay theo yu cu ca Ch th th ton b D n s n hn v Ch th c trch nhim thanh ton mi chi ph pht sinh ti thi im . Nu Ch th chm dt s dng Th nhng vn tip tc s dng Th giao dch th Ch th vn phi c trch nhim thanh ton cc giao dch ny v cc khon li, ph pht sinh theo quy nh ca Ngn hng. - Ngn hng c quyn chm dt vic s dng Th v/hoc chm dt iu kin iu khon kim Hp ng s dng th tn dng quc t ny trong nhng trng hp sau: Cc trng hp chuyn n qu hn theo quy nh ti mc 6.4 iu kin iu khon kim Hp ng s dng th tn dng quc t ny; Ch th chi tiu vt Hn mc tn dng m khng c Ngn hng cho php; Ch th vi phm cc quy nh v vic pht hnh v s dng Th ca Ngn hng, vi phm iu kin iu khon kim Hp ng s dng th tn dng quc t ny hoc vi phm cc quy nh ca php lut; Ngn hng pht hin ti liu, thng tin do Ch th cung cp l khng chnh xc, khng trung thc, sai s tht; Ch th vi phm ngha v tr n (bao gm n gc, li, ph v cc chi ph khc pht sinh) vi Ngn hng v/hoc vi bt k bn th ba no khc; Ch th lin quan n cc v kin, v n m theo quan im ca Ngn hng th c th nh hng nghim trng n kh nng tr n ca Ch th; Ch th b bt, khi t, b truy cu trch nhim hnh s hoc chp hnh bn n hnh s; Ch th cht, mt tch; Ch th ly hn hoc chia ti sn chung v chng trong thi k hn nhn; Phn ln ti sn ca Ch th b k bin, phong ta, cm gi Trng hp Ti sn bo m ca Ch th b mt, h hng, gim st gi tr so vi gi tr Ti sn bo m c nh gi ti thi im cp hn mc theo nh gi ca Ngn hng/bn th ba. Cc trng hp lin quan n ngh vic, thay i thu nhp hoc khng p ng iu kin s dng Th theo quy nh ca Ngn hng; Cc trng hp lin quan n gi mo v qun l ri ro; Cc s kin khc m theo nh gi, xem xt ca Ngn hng l c kh nng nh hng ti kh nng tr n y , ng hn ca Ch th;
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 Ch th chnh th tn dng Vietnam Airlines Techcombank Visa chm dt t cch Hi vin GLP (bao gm nhng khng gii hn bi cc trng hp: Ch th chnh b tt hng Hi vin GLP, b chm dt t cch hi vin theo cc quy nh ca Chng trnh GLP; Ch th chnh n phng chm dt t cch Hi vin GLP ...) Cc trng hp khc theo quy nh ca Ngn hng v php lut. CC LOI PH PHT HNH V S DNG TH 8. CC LOI PH PHT HNH V S DNG TH - Ph pht hnh Th (trn c s hp ng tn dng mi): l khon ph Ch th phi tr khi ng k pht hnh Th trn c s mt iu kin iu khon kim Hp ng s dng th tn dng quc t mi v c Ngn hng chp nhn. - Ph thay i loi Th/hng Th (gi nguyn hp ng tn dng ang c hiu lc): l khon ph Ch th phi tr khi Ngn hng chp nhn yu cu thay i loi Th/hng Th ca Ch th nhng khng thay i iu kin iu khon kim Hp ng s dng th tn dng quc t ang c hiu lc. - Ph pht hnh li th (do mt cp, tht lc): l khon ph Ch th phi tr khi Ch th pht hnh li Th do mt cp, tht lc v khng thay i iu kin iu khon kim Hp ng s dng th tn dng quc t ang c hiu lc. - Ph dch v pht hnh nhanh (a bn p dng s do Techcombank quy nh trong tng thi k): l khon ph Ch th phi tr (cha bao gm cc ph pht hnh lin quan) khi Ch th yu cu ly Th trong vng 3 ngy lm vic k t ngy Ch th hon thnh th tc pht hnh v h s ngh pht hnh Th ca Ch th c Ngn hng chp nhn. - Ph thng nin (thu theo nm, cn c thi hn hiu lc th): l khon ph Ch th phi tr hng nm duy tr vic s dng Th. - Ph cp li PIN: l khon ph Ch th phi tr khi Ch th yu cu cp li PIN. - Ph tra sot, khiu ni: l khon ph Ch th phi tr khi Ch th khiu ni khng ng hay khng chnh xc cc giao dch. - Ph rt tin mt: l khon ph Ch th phi tr khi thc hin cc giao dch rt tin ti ATM hoc ti VCNT c php cung cp dch v rt tin. Khon ph ny c tnh trn s tin giao dch v s ph do TCTTT thu (nu c) theo quy nh ca TCTTT. . - Ph qun l chuyn i chi tiu ngoi t (khng p dng vi giao dch bng VND): l khon ph Ch th phi tr khi Ch th thc hin cc giao dch bng ng ngoi t do Ngn hng quy nh. Khon ph ny c tnh trn s tin giao dch v s ph do TCTTT thu (nu c) theo quy nh ca TCTTT. - Ph thng bo Th mt cp, tht lc: l khon ph Ch th phi tr khi Ch th thng bo (bng vn bn) Th b mt cp, tht lc.
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- Ph cp bn sao Sao k theo yu cu: l khon ph Ch th phi tr khi Ch th yu cu cp thm bn sao Sao k ngoi bn chnh m Ngn hng gi cho Ch th hng thng. - Ph cp bn sao ho n giao dch: l khon ph Ch th phi tr khi Ch th yu cu cp bn sao ho n giao dch ngoi ho n m Ch th nhn ti VCNT. - Ph xc nhn thng tin Th tn dng theo yu cu (Xc nhn hn mc tn dng, xc nhn thng tin giao dch...): l khon ph Ch th phi tr khi Ch th yu cu Ngn hng xc nhn bng vn bn cc thng tin lin quan n th tn dng, Giao dch th tn dng. - Ph thay i Hn mc tn dng: l khon ph Ch th phi tr khi Ch th yu cu tng hoc gim Hn mc tn dng nhng khng thay i hng th v c Ngn hng chp nhn. - Ph thay i hnh thc bo m pht hnh th: l khon ph Ch th phi tr khi Ch th yu cu thay i hnh thc bo m pht hnh Th t hnh thc c Ti sn bo m sang hnh thc Tn chp hoc ngc li v c Ngn hng chp nhn. - Ph thay i ti sn bo m: L khon ph Ch th phi tr khi Ch th yu cu thay i ti sn bo m v c Ngn hng chp nhn. - Ph chm thanh ton: l khon ph Ch th phi tr khi Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu trc Ngy n hn thanh ton. Khon ph ny c tnh trn phn Gi tr gi thanh ton ti thiu cha c thanh ton. - T gi quy i: tt c cc giao dch c chuyn i ra ng Vit Nam theo t gi ca TCTQT v/hoc theo t gi quy i ca Ngn hng vo ngy x l giao dch ca TCTQT. - Cc loi ph khc (nu c) theo quy nh ca Ngn hng v c cng b cng khai ti tr s ca Ngn hng v/hoc trn website ca Ngn hng. Mc ph c p dng theo Biu ph do Ngn hng ban hnh trong tng thi k, c cng b cng khai ti tr s ca Ngn hng v /hoc trn website ca Ngn hng. QUYN V TRCH NHIM CC BN 9. QUYN V TRCH NHIM CA CH TH 9.1. Quyn ca Ch th - c dng Th thanh ton tin hng ho, dch v ti cc VCNT, rt tin ti cc ATM/VCNT v s dng cc dch v khc do Ngn hng cung cp trong phm vi Hn mc tn dng c cp. - c quyn yu cu Ngn hng cung cp thng tin nh k hoc c cung cp thng tin t xut v Giao dch th v s d, hn mc lin quan n vic s dng Th theo quy nh ca Ngn hng. - Ch th c quyn yu cu tra sot, khiu ni v cc sai st, vi phm (nu c) pht sinh trong qu trnh s dng Th theo quy nh ca php lut. - n phng chm dt s dng Th v yu cu i Th, pht hnh Th mi theo quy nh ti mc 7 ca

iu kin iu khon kim Hp ng s dng th tn dng quc t ny. - Ch th chnh th tn dng Vietnam Airlines Techcombank Visa c cng dm vo ti khon ca Ch th chnh ti Chng trnh GLP khi giao dch thanh ton hng ha, dch v ti cc VCNT bng th chnh v th ph (nu c). - Ch th chnh th tn dng Vietnam Airlines Techcombank Visa c hng cc u i ca Chng trnh GLP theo quy nh ca Vietnam Airlines trong tng thi k. - Cc quyn khc theo quy nh ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny v cc quy nh c lin quan ca php lut. 9.2. Trch nhim ca Ch th - Cung cp y , chnh xc cc h s, giy t v thng tin cn thit theo yu cu ca Ngn hng khi ngh pht hnh Th v trong qu trnh s dng Th. - S dng hn mc Th tn dng theo ng mc ch thanh ton hng ho, dch v, rt tin mt hoc thc hin cc giao dch c php khc. Ch th chu hon ton trch nhim trc php lut v vic s dng tin theo hn mc Th tn dng khng ng mc ch. - Trc tip n Ngn hng nhn Th/PIN hoc ngh Ngn hng gi Th/PIN bng ng bu in hoc u quyn cho ngi khc n nhn Th/PIN. Giy u quyn c lp bng vn bn trc tip ti Ngn hng hoc phi c cng chng, chng thc. Trng hp y quyn cho ngi khc nhn Th/PIN hoc ng k nhn Th/PIN qua ng bu in, Ch th phi chu mi ri ro c th pht sinh v phi k xc nhn vo cung ca ba gi Th, cung PIN v gi v Ngn hng khi nhn c Th/PIN. - n nhn Th trong vng 45 ngy k t ngy pht hnh Th. Sau thi hn ny, Th s b hu v Ch th phi chu khon ph pht hnh Th. - Chu trch nhim qun l Th v bo mt PIN. Ch th khng c chuyn nhng Th hoc a Th cho ngi khc s dng, khng c tit l PIN cho bt k ai. - K ch k mu vo ch k mt sau Th ngay sau khi nhn Th. - Thng bo bng hnh thc nhanh nht cho Ngn hng khi Th b mt cp, tht lc, l PIN hoc c nghi ng Th ang b li dng theo s in thoi: (84-4) 9427444 hoc s in thoi ng dy nng khc ca Ngn hng c ng ti trn website ca Ngn hng ti tng thi im. Ch th phi xc nhn li thng bo ca mnh bng vn bn gi cho Ngn hng (nu trc thng bo bng cc hnh thc khc), ng thi thanh ton cc khon ph theo quy nh ca Ngn hng. Ch th cam kt tip tc chu trch nhim v tt c nhng giao dch bng th c thc hin trc khi Ngn hng nhn c thng bo v th b mt cp, b tht lc hoc vic s dng th v/hoc thng tin trn th tri php, bao gm nhng khng gii hn cc giao dch la o
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v/hoc ch k gi mo bi bt k bn th ba no khc. Thng bo kp thi vi Ngn hng khi pht hin thy sai st, nhm ln trn Ti khon ca mnh hoc Ti khon ca mnh b li dng. Hon tr ngay lp tc v v iu kin cho Ngn hng theo yu cu ca Ngn hng i vi cc khon m Ch th rt tha, rt/thanh ton qu Hn mc tn dng, giao dch ghi c nhm vo Ti khon ca Ch th, giao dch tra sot khiu ni ti ATM v VCNT c tm ng cho Ch th v cc giao dch nhm ln khc m Ch th khng chng minh c quyn s hu hp php. ng Ngn hng t ng ghi n cc khon tin ny m khng cn thng bo cho Ch th. Khng s dng li Th thng bo mt cp, tht lc. Khng c s dng Th tr cho cho nhng khon thanh ton giao dch c bc tri php hoc cc giao dch khc bt hp php theo quy nh php lut hin hnh v Ngn hng c quyn t chi x l hoc thanh ton trong nhng trng hp trn.. Hon tr li Th cho Ngn hng khi: tm li c Th bo mt cp, tht lc trc ; khi Th ht hn s dng; khi Ch th khng c nhu cu tip tc s dng Th; v cc trng hp khc theo yu cu ca Ngn hng. Cng nhn cc ho n, chng t lin quan n Giao dch th c h thng cc Ngn hng ghi nhn v cung cp. Ch th chu trch nhim thanh ton i vi ton b cc giao dch c ch k v/hoc s dng PIN ca Th, v cc giao dch khc nu Ngn hng cung cp c bng chng v vic Th c thc hin giao dch m khng cn ch k ca Ch th. Ch th chnh chu trch nhim vi Ngn hng v vic s dng Th ca Ch th ph. Thanh ton y v ng hn cho Ngn hng cc khon vay, li v ph pht sinh do vic s dng Th theo Sao k do Ngn hng lp v gi cho Ch th. Trong trng hp Ch th c thc hin Giao dch th nhng khng nhn c hoc chm nhn c Sao k, Ch th vn c trch nhim thanh ton cc khon vay, li v ph pht sinh do vic s dng Th theo quy nh ca Ngn hng. Chu trch nhim gii quyt cc mu thun vi VCNT v cc vn lin quan n Giao dch th m khng tr hon vic thanh ton vo Ngy n hn thanh ton. S dng Th trong Hn mc tn dng c Ngn.hng cp, tr trng hp Ngn hng ng cho Ch th s dng vt hn mc v Ch th phi c trch nhim tr ph theo quy nh ca Ngn hng khi s dng Th qu hn mc c cp. Chu hon ton trch nhim v mi ri ro (nu c pht sinh) lin quan n cc giao dch thc hin bng Th qua Internet khi ng k dch v thanh ton qua Internet. ng quyn ca Ngn hng trong vic trch n ti khon tin gi thanh ton ca Ch th thc hin
6

thanh ton cc khon Giao dch th v cc khon li, ph pht sinh lin quan n vic pht hnh, s dng v thanh ton Th theo mc do Ngn hng quy nh trong tng thi k - Chp thun, ng cho php Ngn hng thc hin trch tin trn ti khon tin gi thanh ton ca Ch th, thu n qua cc ngn hng ni Ch th c ti khon bng lp y nhim thu - Gi cho Ngn hng yu cu tra sot, khiu ni (nu c) bng vn bn trong vng 10 ngy lm vic k t ngy Ngn hng gi Sao k hoc k t ngy quyn v li ch ca Ch th b vi phm. Ngn hng s khng phi chu bt k trch nhim no nu Ch th khiu ni qu thi hn trn. Ch th phi chu ph khiu ni theo quy nh ca Ngn hng. - Thanh ton s tin Giao dch th tranh chp v cc khon ph pht sinh theo quy nh ca TCTQT khi tranh chp c a ra Trng ti Quc t v Trng ti Quc t x Ch th thua kin. - Thng bo ngay cho Ngn hng bng vn bn nhng thay i v cc thng tin cung cp ti ngh pht hnh th tn dng hoc cc thng tin khc theo yu cu ca Ngn hng. - Tun th cc quy nh, chnh sch hin hnh ca Ngn hng lin quan n vic cho vay v trong trng hp cc quy nh, chnh sch ny c thay i, Ch th cam kt s thc hin theo ng cc quy nh, chnh sch c thay i ng thi hn theo thng bo ca Ngn hng - Cc trch nhim khc theo quy nh ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny v cc quy nh c lin quan ca php lut. 10.QUYN V TRCH NHIM CA NGN HNG 10.1. Quyn ca Ngn hng - c min trch nhim trong trng hp h thng x l, h thng truyn tin b trc trc, hoc v bt k l do g ngoi kh nng kim sot ca Ngn hng. - c min trch trong trng hp v l do bo m an ton v hn ch ri ro cho Ch th, Ngn hng khng thc hin hoc chm tr trong vic thc hin cc tha thun ti iu kin iu khon kim Hp ng s dng th tn dng quc t ny. - T chi cp php cc Giao dch th khng hp php, hp l theo quy nh ca Ngn hng v php lut hoc trong cc trng hp ngoi kh nng kim sot ca Ngn hng. - Yu cu Ch th cung cp y cc thng tin v ti liu cn thit khi ngh pht hnh Th v trong qu trnh s dng Th. - Thu thp thng tin t cc t chc khc v Ch th. - Cung cp cho cc c quan c thm quyn v t chc, c nhn c php khc thng tin v Ch th, m s khch hng, Sao k v cc Giao dch th theo ng quy nh ca php lut; cung cp cc thng tin Giao dch th ca Ch th qua in thoi khi ngi yu cu cung cp thng tin khai bo ng thng tin
MB02-QT.A3/CAR/01/02

Ch th ng k ti ngh pht hnh th tn dng. Tng hoc gim Hn mc tn dng v/hoc thay i hng Th ca Ch th theo quy nh ca Ngn hng. c quyn kho Th khi nhn c thng bo Th b mt cp, tht lc, l PIN hoc c nghi ng Th ang b li dng theo s in thoi tha thun ti iu kin iu khon kim Hp ng s dng th tn dng quc t ny. c quyn nh k nh gi li vic s dng Hn mc tn dng ca Ch th cng nh nh gi li cc iu kin pht hnh, s dng th tn dng ca Ch th theo ng quy nh ca Ngn hng v trn c s vic nh gi , Ngn hng c quyn n phng thay i/chm dt Hn mc tn dng cp cho Ch th. c quyn chm dt vic s dng Th ca Ch th theo quy nh ti mc 7 ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny. Thu hi Th vo bt c lc no bng cch thng bo v vic thu hi ny cho Ch th hoc thng qua cc TCTTT hoc VCNT trong cc trng hp Ch th vi phm quy nh ca php lut, ca Ngn hng, ca TCTQT hoc vi phm cc tha thun trong iu kin iu khon kim Hp ng s dng th tn dng quc t ny, hoc cc trng hp nghi ng th gi, gi mo. Trong trng hp ny, Ngn hng c min trch i vi bt k s phng hi no ti danh d, uy tn ca Ch th trong vic thu hi li Th. Ghi n Ti khon gi tr tt c cc Giao dch th, cc khon ph v li pht sinh lin quan vic pht hnh, s dng v thanh ton Th theo biu ph c Ngn hng quy nh trong tng thi k ph hp vi quy nh ca php lut.v tha thun ti iu kin iu khon kim Hp ng s dng th tn dng quc t ny. Yu cu Ch th thanh ton cc khon Giao dch th v cc khon li, ph pht sinh lin quan n vic pht hnh, s dng v thanh ton Th. Khng chu trch nhim v vic cung ng hng ho, dch v c thanh ton bng Th v c quyn ghi n vo Ti khon gi tr cc giao dch thanh ton bng Th cho d hng ho, dch v c c giao, nhn hoc c thc hin hay khng. Ngn hng c quyn thu n, x l Ti sn bo m thu n theo cc phng thc m Ngn hng la chn m khng cn thm bt c chp thun no t pha Ch th (k c vic nh gi ti sn x l).Trng hp Ch th khng thanh ton ng hn cho Ngn hng, ngn hng c quyn thu n t ti khon tin gi thanh ton, s tit kim ca Ch th thanh ton cc khon n pht sinh. Trong trng hp ny, ngn hng c min trch nhim v vic ph k hn gi tin ca Ch th. c quyn trch n ti khon tin gi thanh ton ca Ch th hon tr d n Th tn dng theo

ng k ti ngh pht hnh th tn dng ca Ch th . - c quyn yu cu c quan cng tc ca Ch th chuyn lng/thu nhp ca Ch th hoc ghi n bt k ti khon no ca Ch th ti Ngn hng thanh ton D n nu Ch th khng thanh ton. - c quyn lp y Nhim Thu yu cu ngn hng m ti khon cho Ch th trch tin thu hi n gc, li trong trng hp cc khon n gc, n li ca Ch th b chuyn sang N Qu Hn, N Li Qu Hn; - c quyn yu cu Ch th s dng mi ti sn v ngun thu ca c nhn v gia nh Ch th; Yu cu bn nm gi ti sn ca Ch th, gia nh Ch th, cc thnh vin Ch th chuyn giao cho Ngn hng thanh ton, hon tr cc khon n gc, li v ph, cho ph khc pht sinh ca Ch th; Cc quyn khc theo quy nh ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny v cc quy nh c lin quan ca php lut. 10.2. Trch nhim ca Ngn hng - Tun th cc quy nh v Pht hnh, Thanh ton Th ca php lut Vit Nam v T chc Th quc t. - Bo mt cc thng tin lin quan n Ch th theo quy nh ca php lut v ch cung cp cc thng tin ny trong nhng trng hp theo quy nh ca php lut v tha thun vi Ch th. - Gii quyt cc yu cu tra sot, khiu ni ca Ch th lin quan n vic s dng Th theo quy nh ca php lut v cc TCTQT. - Kho Th trong vng 2 gi lm vic k t khi nhn c thng bo bng vn bn ca Ch th v vic Th b tht lc, mt cp hoc l PIN. - Ngn hng s chu trch nhim v cc giao dch lin quan ti Th c Ch th thng bo v vic mt cp, tht lc Th sau 5 ngy lm vic k t ngy nhn c thng bo bng vn bn ca Ch th. - Gii chp Ti sn bo m (nu c) ca Ch th sau 40 ngy k t ngy yu cu chm dt s dng Th ca Ch th c hiu lc v Ch th thanh ton mi ngha v c bo m bng ti sn vi Ngn hng. i vi tin k qu tng Hn mc tn dng tm thi, Ngn hng s gii chp sau 40 ngy k t ngy Hn mc tn dng tm thi ht hn v Ch th thanh ton ht cc khon Giao dch th v cc khon li, ph pht sinh lin quan n Hn mc tn dng c tng. - Cc trch nhim khc theo quy nh ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny v cc quy nh c lin quan ca php lut. 11.CAM KT CA CH TH - Cam kt khng thc hin cc giao dch tri vi lut php nc Cng ho X hi Ch ngha Vit Nam hoc nc s ti ni Ch th s dng Th giao dch. - Cam kt chu trch nhim v tt c nhng giao dch bng Th thc hin trc thi im Ngn hng
MB02-QT.A3/CAR/01/02

nhn c thng bo bng vn bn v vic Th b mt cp, tht lc, l PIN hoc c nghi ng Th ang b li dng, bao gm nhng khng gii hn giao dch la o v/hoc ch k gi mo bi bt k ngi no. ng v cho php Ngn hng tm kim thng tin lin quan n Ch th t bt k bn th ba no. ng Ngn hng c quyn quyt nh cung cp thng tin giao dch Th cho bn th ba cung cp dch v h tr hot ng Th (nh dch v in v gi Sao k hoc cc dch v khc do Ngn hng la chn khng tri php lut Vit Nam) hoc bn th ba hp tc vi Ngn hng trong vic m rng v gia tng thm gi tr s dng Th cho Khch hng. Ch th cam kt dng thu nhp hng thng u tin hon tr s d n Sao k. Ch th y quyn cho Ngn hng c trch tin lng v cc khon thu nhp hng thng ca Ch th t ti khon tin gi thanh ton ca Ch th ti Ngn hng hoc trc tip lin h nhn tin t n v, c quan ca Ch th lm vic tr n. Ch th y quyn cho c quan/n v hin Ch th ang lm vic trch tin lng, cc khon thu nhp hng thng v cc khon thu nhp khc (nu c) chi tr cho Ngn hng. Vic y quyn ny ch ht hiu lc khi Ch th thanh ton tt c cc khon n gc, li pht sinh ti Ngn hng. Trong trng hp khng tip tc lm vic ti c quan hin ti, Ch th cam kt thng bo cho Ngn hng trc thi hn 07 ngy k t ngy ngh vic. Ch th cng nhn, khng hy ngang v chu trch nhim thanh ton tt c cc giao dch c thc hin theo ng quy nh ca Ngn hng v quy trnh thanh ton bng Th qua Internet v c s dng ch k, ch k in t ca Ch th m khng c hy, ph nhn, t chi, thay i, thoi thc giao dch vi bt k l do no; cam kt chu mi ri ro lin quan n giao dch c thc hin. i vi cc giao dch thc hin bng phng tin in t, Ch th nhn thc y cc ri ro c th gp phi khi thc hin giao dch, cam kt cc hot ng din ra do chng t in t ca mnh lp khp ng qui nh v chu trch nhim v nhng thit hi xy ra do v tnh hay c l ch k in t, dn n b k gian li dng. Ch th cam kt chp nhn t b quyn khiu kin khi giao dch c th b gin on, khng thc hin c do b li mng, ng truyn, h thng, in, hoc cc li k thut khc ca bn cung ng dch v hoc ca Ngn hng, hoc do c cc s c xut pht t cc nguyn nhn thi tit, ng t, thin tai Trng hp Ch th thc hin thanh ton bng Th qua Internet thanh ton cho cc nh cung ng dch v (CDV), Ch th cam kt chu trch nhim v vic thc hin quy trnh thanh ton theo tha thun vi Nh CDV, chu trch nhim i vi cc giao dch cung cp khng chnh xc M dch v, M thanh ton v cc thng tin khc lin quan; t gii quyt cc tranh chp lin quan n vic cung ng dch v ca nh CDV v s tin thanh ton,
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m thanh ton, thi im thanh ton; chu trch nhim v cc giao dch c gi nhiu ln v cc vn khc gia Ch th v Nh CDV trong mi thi im, k c trc, trong v sau khi Ngn hng chuyn tin n ti khon ca Nh CDV. - Ch th cam kt ch s dng Th theo ng quy trnh thanh ton bng Th qua Internet do Ngn hng quy nh v s dng Th trong phm vi s d c php s dng v trong hn mc thanh ton theo quy nh ca Ngn hng trong tng thi k. - Thc hin cc tra sot khiu ni v dm thng ca Chng trnh GLP vi Vietnam Airlines trong vng 6 thng k t ngy thc hin giao dch theo ng quy nh ca Vietnam Airlines trong tng thi k (Ch th c quyn khiu ni vi Vietnam Airlines l Ch th chnh.) - Nu ng k pht hnh Th tn dng VietnamAirlines Techcombank Visa, Ch th ng vi mi quy nh ca Ngn hng lin quan ti dm Bng Sen Vng v Th tn dng Vietnam Airlines Techcombank Visa. QUY NH LIN QUAN N BO HIM I VI TH TN DNG C BO HIM 12. CAM KT CA CH TH CHNH TH TN DNG C BO HIM : - ng Ngn hng, cc bc s, t chc y t v cc t chc, c nhn c lin quan khc cung cp cho Cng ty bo him v cc cng ty ti bo him cc thng tin lin quan n vic thc hin phn Hp ng bo him c giao kt trn c s ngh pht hnh th tn dng quc t. - Sau khi m th thnh cng, Ch th chnh th tn dng c bo him s tr thnh Ngi c bo him theo loi hnh sn phm bo him do Ngn hng mua tng thi k. - Trong trng hp pht sinh ri ro thuc trch nhim bo him ca Cng ty bo him, Ch th chnh th tn dng c bo him ng Ngn hng tr thnh Ngi th hng/Ngi nhn quyn li bo him. Ngn hng s s dng Quyn li bo him ny thanh ton cc khon n m Ch th cha thanh ton cho Ngn hng (nu c). 13. CH NH NGI TH HNG Ngn hng v Ch th chnh th tn dng c bo him cng thng nht ch nh Ngn hng s l ngi th hng u tin trong trng hp s kin bo him xy ra i vi Ch th chnh thuc phm vi bo him ca sn phm bo him, v s khng khiu kin Cng ty bo him sau khi cc quyn li bo him c Cng ty bo him chi tr cho Ngn hng. Theo , Cng ty bo him s thanh ton quyn li bo him cho Ngn hng v Ngn hng c quyn s dng quyn li bo him ny thanh ton cc khon n m Ch th chnh th tn dng c bo him cha tr cho Ngn hng (nu c). Sau khi i tr cc khon n, nu quyn li bo him khng so vi cc khon n m Ch th chnh th tn dng c bo him phi tr cho Ngn hng, trch nhim tip tc thc hin vic tr n y , ng hn v thanh ton cc khon ph, li pht
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sinh (nu c) c thc hin theo quy nh ca Ngn hng v php lut; nu quyn li bo him nhiu hn so vi cc khon n m Ch th chnh th tn dng c bo him phi tr cho Ngn hng, Ngn hng c trch nhim hon tr quyn li bo him cn li theo quy nh ca Ngn hng v php lut. 14. Y QUYN NHN QUYN LI BO HIM Trong trng hp Cng ty bo him gii quyt quyn li bo him khi c s kin bo him xy ra, bng cch k tn trong iu kin iu khon kim Hp ng s dng th tn dng quc t ny, Ch th chnh th tn dng c bo him ng y quyn cho Ngn hng nhn ton b quyn li bo him ny thay cho Ch th chnh th tn dng c bo him vi cc tha thun sau: - y quyn ny c hiu lc trong sut thi gian c hiu lc ca phn Hp ng bo him lin quan n tng Ch th chnh th tn dng c bo him; - y quyn ny khng c sa i, b sung, thay th, hy b, chm dt trong sut thi gian c hiu lc ca phn Hp ng bo him lin quan n tng Ch th chnh th tn dng c bo him. - Ngn hng c quyn s dng Quyn li bo him ny thanh ton cc khon n m Ch th chnh th tn dng c bo him cha tr cho Ngn hng (nu c). Sau khi i tr cc khon n, nu quyn li bo him khng so vi cc khon n m Ch th chnh th tn dng c bo him phi tr cho Ngn hng, Ch th chnh th tn dng c bo him c trch nhim tip tc thc hin vic tr n y , ng hn v thanh ton cc khon ph, li pht sinh (nu c); nu quyn li bo him nhiu hn so vi cc khon n m Ch th chnh th tn dng c bo him phi tr cho Ngn hng, Ngn hng c trch nhim hon tr cho Ch th chnh th tn dng c bo him s tin cn li theo quy nh ca Ngn hng v php lut. 15. GII QUYT QUYN LI BO HIM - Trng hp nu s kin bo him xy ra v thuc phm vi bo him ca hp ng bo him cp cho Ch th chnh th tn dng c bo him, Ngi yu cu gii quyt quyn li bo him phi thng bo cho Ngn hng hoc Cng ty bo him, trong vng 30 ngy k t khi xy ra s kin bo him. Ngn hng v Cng ty bo him c trch nhim phi hp gii quyt quyn li bo him cho Ngi yu cu gii quyt quyn li bo him theo tha thun gia Ngn hng v Cng ty bo him. - Ngn hng v Cng ty bo him c trch nhim c lp vi Ch th chnh th tn dng c bo him trong vic thc hin cc quyn v ngha v ca mnh. Ngn hng khng c trch nhim trong vic tr li/gii quyt khiu kin t khch hng lin quan n vic thc hin ngha v bo him ca Cng ty bo him. CC IU KHON KHC 16. CC QUY NH KHC

- Nu Ch th s dng Th t trc cc dch v nhng khng s dng dch v v khng thng bo hu dch v trong thi hn quy nh ca VCNT, Ch th c th phi thanh ton mt phn hoc ton b gi tr dch v, cc loi thu v ph lin quan theo quy nh ca tng VCNT. Ngn hng c quyn ghi n Ti khon ca Ch th i vi cc trng hp ny. - Bt c yu cu no ca Ch th lin quan n vic pht hnh v s dng Th phi c thc hin bng vn bn hoc bng hnh thc c php lut cho php hoc do hai bn tha thun. Ngn hng s khng chu trch nhim v nhng thit hi pht sinh do vic thc hin theo cc yu cu ca Ch th khng thc hin thng qua cc hnh thc ny. - Tr khi Ngn hng c vn bn khc t quyn hn, quyn lc hay bin php ca mnh, mi s tht bi hay chm tr trong vic thc thi bt k quyn hn, quyn lc hay bin php no ca Ngn hng s khng coi nh l s khc t ton b hay khc t mt phn cc quyn hn, quyn lc hay bin php . - Chi ph gia tng: Khi pht sinh s kin lm tng chi ph Ngn hng, Ngn hng s tnh ton v thng bo cho Ch th s chi ph tng thm m Ch th c ngha v thanh ton. Trong thi hn 15 ngy k t ngy thng bo, Ch th c ngha v bi hon cho Ngn hng s tin chi ph tng thm c quy nh trong Thng bo. Trng hp Ch th chm tr S tin Chi Ph Tng Thm ny, Ch th s phi tr li trn s tin chm tr ny theo mc Li pht chm tr, cch tnh li c quy nh ti iu kin iu khon kim Hp ng s dng th tn dng quc t ny . 17. SA I, B SUNG NI DUNG - Ngn hng c quyn sa i, b sung cc ni dung ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny bng cch gi thng bo bng vn bn cho Ch th hoc thng bo trn website ca Ngn hng. Cc sa i, b sung ny c hiu lc k t ngy c ghi r trong thng bo. - Nu Ch th khng ng vi cc sa i, b sung do Ngn hng a ra, Ch th c trch nhim thng bo vi Ngn hng tha thun chm dt iu kin iu khon kim Hp ng s dng th tn dng quc t ny. , ngy thng nm CH TH CHNH (K v ghi r h, tn)

- Nu Ch th tip tc s dng Th sau thi im c hiu lc ca sa i, b sung iu kin iu khon kim Hp ng s dng th tn dng quc t ny c hiu l Ch th chp nhn hon ton cc sa i, b sung . 18. LUT IU CHNH, GII QUYT TRANH CHP - iu kin iu khon kim Hp ng s dng th tn dng quc t ny c iu chnh bi lut php nc Cng ho X hi Ch ngha Vit Nam v cc quy nh v pht hnh, s dng v thanh ton Th quc t. - Nu c bt k tranh chp no pht sinh hoc lin quan n vic gii thch t ng cng nh vic thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny gia Ch th v Ngn hng trc ht s c gii quyt thng qua thng lng, ho gii. Trong trng hp ho gii khng thnh, cc bn c quyn a tranh chp ra To n c thm quyn Vit Nam gii quyt. 19. THI HN HIU LC V IU KHON THI HNH - iu kin iu khon kim Hp ng s dng th tn dng quc t ny c hiu lc k t ngy c ghi trn Thng bo chp thun pht hnh th tn dng cho n khi Ch th hon thnh mi ngha v thanh ton theo iu kin iu khon kim Hp ng s dng th tn dng quc t ny. - Nhng ti liu km theo iu kin iu khon kim Hp ng s dng th tn dng quc t ny hoc thc hin iu kin iu khon kim Hp ng s dng th tn dng quc t ny ( ngh pht hnh Th, Th xc nhn ca n v cng tc, Hp ng bo m, Thng bo chp thun pht hnh th tn dng, Sao k, Biu ph pht hnh v s dng Th, n ngh tng/gim Hn mc tn dng) l mt b phn khng th tch ri ca iu kin iu khon kim Hp ng s dng th tn dng quc t ny. - Ch th xc nhn c, hiu r v ng vi iu kin iu khon kim Hp ng s dng th tn dng quc t ny, cam kt thc hin ng iu kin iu khon kim Hp ng s dng th tn dng quc t ny cng nh cc quy nh ca php lut nc Cng ho X hi Ch ngha Vit Nam, quy nh ca TCTQT v php lut ca nc s ti ni Ch th thc hin Giao dch th. , ngy thng nm CH TH PH (K v ghi r h, tn)

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