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 of the Borrower’s payment is left over after this Contract is terminated, the Lender will endeavor to contact the Borrower to notify and instruct the repayment procedure. Where the Lender has implemented the process to refund the balance after settlement but is still unable to repay the loan within 90 days from the date of termination of the Contract, the Borrower agrees that any outstanding payments are at the discretion of Lender’s ownership 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 Agreement 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 the Goods as an asset to secure all debt repayment and loan handling obligations under this Contract and send the original of the Registration Certificate to the Lender for preservation after granted. The Certificate will be returned to the Borrower after the Borrower has fulfilled its payment obligations 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.

The lender has the right:

• 1)Check and supervise the loan process, use of loan capital and debt repayment of the borrower;
• 2)Terminate lending, recover debt ahead of time when it is discovered that the Borrower has provided false information, violates any terms of this 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.

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 understand the contents of the Contract, General Trading Conditions and sign the Contract only when fully understanding the agreed applicable interest rate and other terms and conditions related to the published Contract. declared on the website and posted at the Lender’s Service Introduction 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;
• 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 Contract to implement the Contract or other Lender’s purposes specified in the Terms and Conditions on personal data processing Customer’s identity, General Trading Conditions and Loan Proposal.

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 content of credit information provided includes relevant data, figures and facts of the Borrower at the Lender’s performance of providing credit information to Credit Information Company ensure compliance with the Government’s regulation on the provision of credit information services and other relevant laws.

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 aware that: (i) The credit information provided includes sensitive personal data in accordance with the law on personal data protection; (ii) Credit information includes sensitive personal data that is collected, processed, and stored for a minimum period of 05 (five) years for the purpose of creating credit information products by the following parts: Specialized software of Credit Information Company; and (iii) all consent of the Borrower in this Credit Agreement is based on voluntary basis and clear understanding of the Borrower’s rights under relevant legal regulations.

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 made into two (02) copies in Vietnamese with equal validity. Borrower agrees to keep one (01) original copy of this Contract, signed by the Lender’s representative, without the Lender’s seal, in accordance with the Lender’s regulations and applicable laws. In any event, the Borrower may call the Lender’s Customer Service Management to request that the Lender provide a copy of the Lender’s stamped Contract.