Term of repayment of original debt and interest:
Original debt and interest are settled monthly.
The Parties agree to select a date ………………as the maturity date each period. Unless otherwise provided by law, the Parties agree that where the due date of any period coincides with a Saturday, Sunday or public holiday, the payment due date of such period is a consecutive working day right after that day off..

Payment amount:

Unless otherwise provided by law, the Parties agree to give priority to all payments of the Borrower as follows: original debt, interest in due, overdue interest and fees incurred under the General Trading Conditions. In case of overdue debts, the order of collection and revenues shall comply with the current law.

All payments made by the Borrower to the Lender are deemed payable when such payment is credited to the Lender’s bank account.

In order to facilitate the payment of customers and avoid unexpected bad debts arising, the Parties agree that the amount paid by the Borrower will be distributed in priority to loan contracts with maturity up to before. In case of outstanding payment, the balance will be automatically converted to partially or fully pay off original debt, interest (including overdue interest) and other contract fees (if any) or deducted from the amount to pay the debt for the next period of the loan contract.

Payment notice:

The Parties agree that the Lender will notify the Due Date of the following periods and the Amount of each period to the Borrower by the means specified in the General Trading Conditions publicly available on the website. In addition, the Borrower may refer to the Estimated Payment Schedule attached to this Loan Contract for reference purposes.

Payment channel:

The Borrower makes payments through the payment channels as notified by the Lender and recorded in the General Trading Conditions.

The Borrower bears all costs related to the repayment of the loan, interest and / or settlement charges.

If any outstanding payments from the Borrower remain after the termination of this Agreement, the Lender will endeavor to contact the Borrower to inform them and guide them through the repayment procedure. If the Lender has initiated the repayment process but is unable to repay the Borrower within 90 days of the Agreement termination date, the Borrower agrees that any remaining payments become the property of the Lender in accordance with the law.

Notwithstanding the above period, within 30 days from the date the Lender receives a request to refund the balance in cash and is confirmed by the Lender to refund, if the Borrower does not come to the transaction points of If the creditor’s payment services are received by the creditor, the Borrower hereby agrees that any outstanding payments remain in the sole possession of the Lender without any subsequent claim.

Debt rescheduling: not applicable.

For the outstanding principal balance for which the borrower fails to repay the loan on time as agreed, the Lender has the right to convert the entire principal balance to the overdue debt and apply an overdue interest rate.

In case of early debt recovery: after the deadline stated in the notice of early debt recovery to the borrower, the borrower still fails to fully pay the loan (including: principal, interest during the due date, overdue interest, fees and other payables) as specified in the General Trading Conditions which are publicly posted on JIVF’s website, the entire principal balance will be converted to overdue debt and the interest rate overdue applies.

Where the Borrower has two or more liabilities with the Lender and / or other credit institutions, any debt is classified as having higher risk than other liabilities. The Lender will reclassify the remaining loans of the Borrower to the group with the highest risk level in accordance with the law.

Conditions for the Borrower to request the pre-payment of the entire loan or outstanding loan balance:

• 1)Notification of early settlement to the Lender;
• 2)Pay all payable amounts payable to the Lender, including: outstanding principal, interest in due, overdue interest, charges, including prepayment fee (if any) on the date of the request for settlement. according to the above announcement.

All early settlement procedures are specified in the General Trading Conditions.

Where the Borrower uses loan capital under this Contract to purchase Goods for which the Goods must be registered in accordance with the law, the Borrower must carry out the registration.

At the same time, the Borrower agrees to use these Goods as collateral to secure all repayment obligations and loan settlements under this Loan Contract.

If the Borrower breaches its obligation to repay and / or breaches other obligations under this Contract, the Lender has the right to recover and dispose of the Goods in accordance with Article 3.6. and other measures to recall and dispose of the Goods in accordance with law.

For goods used as collateral for loans, the Borrower agrees to deposit the original Registration Certificate with the Lender for safekeeping after issuance. The certificate will be returned to the Borrower after the Borrower has fulfilled all payment obligations under this Contract.

The lender has the right:

• 1)Check and supervise the loan process, use of loan capital and debt repayment of the borrower;
• 2)The lender shall terminate the loan and recover the debt prematurely upon discovering that the borrower has provided false information or violated any terms of this Contract, the General Terms and Conditions of Transaction, and any attached agreements. This termination shall be effective from the date the lender signs the Notice of Contract Termination Contract and the General Trading Conditions. This termination will take effect from the date the Lender signs the Notice of Contract Termination;
• 3)When the debt payment is due, but the borrower fails to repay the debt, the Lender has the right to act on behalf of the Borrower to dispose of the loan-security property as prescribed in Article 6 of this Contract to recover the debt in accordance with the law.
• 4)Except for any obligations of the Lender relating to the goods/services (if any) as stipulated in this Credit Agreement, the Lender is exempt from all obligations, legal liabilities, or liability for any claims or lawsuits related to the purchase/use of goods/services arising between the Borrower and the Seller.

The lender has an obligation:

• 1)Comply with the agreement in this Contract;
• 2)Keep credit records in accordance with the law.

The borrower has the right:

• 1)Refuse the Lender’s requests that are inconsistent with the terms of this Contract;
• 2)To complain about and initiate lawsuits against a breach of this Contract according to the provisions of the law.

Borrowers have obligations:

• 1)Read and fully understand the contents of the Contract, the General Terms and Conditions of Transaction, and any attached agreements, and only sign the Contract after fully understanding the agreed-upon applicable interest rate and other terms and conditions related to the Contract attached to this Contract and publicly posted on the Lender’s website and displayed at the Lender’s Service Point;
• 2)In the event of any unclear provision, the Borrower must ask the Lender’s consultant again and have the right not to sign the Contract if not understood. The Lender is not responsible for any claim about the contents of the Contract for the reason of not reading or understanding the contents of the Contract as well as the General Trading Conditions and attached agreements;
• 3)Provide fully and honestly information and documents related to the loan and take responsibility for the accuracy of the information and documents provided;
• 4)Use the loan capital for the right purpose, strictly comply with the contents as agreed in this Contract and other commitments;
• 5)Payment loan principal and interest as agreed in this Contract;
• 6)To be responsible before the law for failing to comply with loan repayment agreements and fulfill the obligations to secure the loan as committed in this Contract.;
• 7)In any breach of the Contract, the Borrower is obliged to hand over the property formed from the loan to the Lender for debt collection processing according to the Lender’s notice.
• 8)Cooperate with the Lender to complete the procedures for retrieval and handling of Goods and to sign necessary documents as required by the Lender and the applicable laws.

The Lender will use the Borrower’s information and information related to this Agreement to perform the Agreement or for other purposes of the Lender as stipulated in the Terms and Conditions on Processing Customer Personal Data, the General Terms and Conditions of Transaction, and the Loan Application Form.

The Borrower agrees to the Lender to provide The Borrow credit’s information at the Lender for:

– Vietnam Credit Information Joint Stock Company (“Credit Information Company”);

– Certificate of business registration: number 0102547296;

– First registration: November 27th, 2007.

The credit information provided includes data, figures, and relevant facts of the Borrower at the Lender, and the Lender’s provision of credit information to the Credit Information Company must comply with Government regulations on the provision of credit information services and other relevant legal regulations.

In the event that the Credit Information company is revoked the Certificate, the Lender will stop providing the Borrower’s credit information to the Credit Information Company and the Borrower agrees to the Borrower’s credit information. Credit information companies are handled according to the Government’s Regulations on the provision of credit information services. The lender is responsible for notifying the Borrower of the Borrower’s processing of credit information within a maximum of 10 working days from the date the Lender receives the Credit Information Company’s notice of credit information processing plan.

The Borrower affirms that it understands and is fully aware that: (i) The credit information provided by the Borrower to the Credit Information Company is sensitive personal data as defined by the law on personal data protection; (ii) The credit information provided by the Borrower to the Credit Information Company complies with the legal regulations on the provision of credit information services. This credit information is processed by the Credit Information Company along with credit information collected by the Credit Information Company from legitimate sources (including credit information companies, competent state agencies, and other legitimate sources) and stored for a minimum of 05 (five) years for the purpose of creating credit information products (including but not limited to credit scoring, credit rating, credit information assessment, creditworthiness assessment, fraud warning, credit information change warning, and loan customer search) performed by the Credit Information Company’s specialized software to provide to borrowers, lenders, competent state agencies, and other legitimate users, in accordance with the law on credit information service provision and other relevant legal regulations; and (iii) All consents from the Borrower are based on voluntary consent and a clear understanding of the Borrower’s rights and obligations, including the mechanism and method for withdrawing consent, the policy for deleting and destroying personal data, and the timeframe for processing the Borrower’s requests in accordance with relevant laws on personal data protection and credit information activities.

This contract is governed by the laws of Vietnam.

All disputes related to this Contract will be resolved in a competent court in accordance with the laws of Vietnam.

This Contract comes into force from the date of full signatures of the Borrower and the Lender and expires when the parties fulfill all their obligations as set forth in this Contract. General Trading Conditions are published on the website (www.jaccs.com.vn) and publicly listed at the Lender’s Service Introduction Points are an integral part of this Contract.

For cash loans, if the Borrower does not accept disbursed funds within fourteen (14) days from the date of disbursement, this Contract is automatically terminated without giving rise to any rights or obligations. case between the Parties.

This contract is established in the form of an electronic data message, signed using electronic signatures, and has legal validity in place of the physical signatures and seals of both parties as stipulated by law. The borrower will receive one (1) copy of the Loan Contract with the digital signatures of the borrower and JIVF, via the email address provided by the borrower in the Loan Contract or according to JIVF’s policy from time to time.