: Refers to the balance as of the final interest day of the due principal outstanding balance, overdue principal outstanding balance that the Cardholder has to pay to VPBank is used to calculate the interest as agreed in the Contract and the regulations of the laws;
: Refers to the number of days that the actual balance at the end of each day is not changed;
Refers to due interest rate, overdue interest rate as specified in the Contract and related documents. Interest rate is calculated by % on a yearly basis by 365 days and by the method of “calculating the first day, leaving the last day of the interest period”.
: The interest period shall be determined since the date of facility disbursement till the end of the consecutive day before all outstanding balances are successfully paid to VPBank and balance for interest calculation is calculated at the end of each day during the interest period where, the date of facility disbursement is determined as follows: