Article 16. Compliance with FATCA

The Client acknowledges that (i) the Client has been notified by VPBank about the Terms and Conditions on Compliance with FATCA for Individuals on the VPBank website (www.vpbank.com.vn and www.timo.vn) (“FATCA Terms and Conditions”); (ii) thoroughly read, understood and committed to fully comply with the provisions of this FATCA; (iii) agreed that VPBank reserves the right to change (amend, add or replace) the contents of the FATCA Terms and Conditions from time to time at sole discretion of VPBank without prior notice or the Client’s consent.