Article 9. Handling remaining balance after closing Account

1.      Handling remaining balance after closing Account: The remaining balance (the amount) after closing Account shall be used to pay for due financial obligations of Customer at VPBank, the remaining amount not fully used has VPBank (i) paid at the request of Customer ; (ii) guardian, legal representative of Customer in case Customer (account holder) is under 15 years old, limited civil capacity, lost civil capacity, difficult in awareness, controlling behavior; or (iii) inheritor, inheriting representative in case Customer dies, is stated to die; or (iv) paid under decision of Court. Depending on request of VPBank, Customer/legal beneficiary of the balance in Account must sign relevant documents when receiving the amount.

2.      In case Customer, legal beneficiary of balance in Account have been noticed but not received, the whole balance after closing Account (if any) shall be managed by VPBank and not receive interest or handled under regulations of laws in each period.