Article 13. Validity

1.    Regulations of the General Transaction Terms and Conditions shall enter into effect from the applied date stated the first part of the General Transaction Terms and Conditions. The terms and conditions of the General Transaction Terms and Conditions shall be applied for all transaction via Timo Spend Account performed by Individual Customer of Timo from the effective date of the General Transaction Terms and Conditions (including Customers who opened and used Timo Spend Account previously).

2.    Customer acknowledges to have read, understood clearly and commits strictly performing the Service Terms and Conditions in the General Transaction Terms and Conditions, other regulations of VPBank related to Service and relevant applicable regulations of Vietnamese laws.