Admendment to MSB Affluent Customer program terms and conditions

MSB hereby amends Section 2 (Promotion Period), Section 5 (Promotional Rewards and Benefits), and Section 7 (Customer Assessment Periods and Granting and Use of Benefits). All other terms and conditions shall remain unchanged.

1. Program Name: MSB Affluent Customer Program.
2. Promotion Period: From July 09, 2026 until and including August 31, 2026, or until otherwise superseded by MSB, whichever comes first. MSB reserves the right to adjust the promotion period without prior notice.
3. Applicable Area & Territory: Nationwide.
4. Eligibility for the Program:

Customers must satisfy all of the following criteria:

• Be individuals, each classified as an Affluent Customer, under MSB’s applicable rules and regulations in effect for the time being;
• Receive notifications about the Program via MSB Mobile App; and
• Not be listed as fraudulent, suspicious, or in violation of MSB’s applicable rules and regulations in effect for the time being.

5. Promotional Rewards and Benefits:

Eligible customers will receive both of the following rewards and benefits:

6. Eligibility for Rewards and Benefits

Customers must satisfy all of the following criteria:

• meet all of the eligibility criteria specified in Section 4;
• maintain an average VND current/checking account balance of VND 11,000,000 or more for each applicable assessment period specified in Section 7; and
• if a customer holds multiple VND current/checking accounts with MSB, the average balance will be calculated based on the aggregate average balance across all such accounts.

7. Customer Assessment Periods and Granting and Use of Benefits

a) Customer Assessment Schedule

b) Granting and Use of Benefits

• The eligibility for benefits will be assessed daily during each applicable assessment period. Upon satisfaction of all criteria set out in Section 6 and receipt of a notification from MSB confirming their eligibility, eligible customers will receive benefits on a weekly basis.
• MSB will determine customers eligible for benefits using its system records and internal data.
• Benefits are available for use:
  • With respect to the Online VND Deposit product: From the date on which customers are determined to be eligible for the benefit until and including August 31, 2026.
  • With respect to the Unsecured Loan product: From the date on which customers are determined to be eligible for the benefit until and including September 10, 2026.
• Each eligible customer may be entitled to the unsecured loan interest benefit with respect to one (01) loan only during the promotion period.
• Each eligible customer may be entitled to the deposit interest benefit with respect to all online VND deposits for a term of 06 months newly opened during the promotion period (applicable to the highest-interest deposit product only).
• MSB reserves the right to reject or revoke any benefit if it is aware or has knowledge of any fraudulent and/or invalid transactions, and/or any misuse, abuse, or breach of the Program.

8. Customer Support:

Should customers have any questions about the Program, they should contact MSB for further information on the details below:

• Email: Mfirst247@msb.com.vn;
• Customer Contact Center: 1800599999; and/or
• Any MSB Branch or Transaction Unit nationwide

9. General Terms and Conditions

a) MSB’s Rights and Obligations:

• MSB may:
  • amend these Terms and Conditions, change the promotion period, or suspend the Program in accordance with applicable laws;
  • to the extent required by law, cancel, terminate, modify, or postpone part or all of the Program due to force majeure events or circumstances beyond MSB’s reasonable control, subject to applicable laws or approval from competent authorities;
  • use eligible customers’ images and information for promotional and marketing purposes relating to MSB’s products and services; these Terms and Conditions and the actual promotion period may be subject to change from time to time at MSB’s sole discretion, provided that MSB has completed all formalities and procedures required by law; and
  • amend the benefit details or interest rate policies in line with its business policies in effect for the time being.
• MSB shall:
  • assess the eligibility for the Program and the benefits, and grant the applicable benefits in accordance with these Terms and Conditions; and
  • handle any complaints relating to the Program in compliance with MSB’s regulations and applicable laws.

b) Customers’ Rights and Obligations

• Customers shall:
  • in an accurate manner, provide their phone number and email address to MSB;
  • use the benefits in accordance with these Terms and Conditions;
  • return any benefits received if MSB reasonably determines that the transactions in question are invalid; and
  • indemnify MSB for any loss and/or damage, where applicable, if MSB is aware or has knowledge of any fraudulent activities committed by the customers; in such cases, MSB reserves the right to reject or revoke any benefits.
• Customers may:
  • receive the applicable benefits upon satisfaction of all requirements and criteria;
  • request and have information and support from MSB relating to the Program; and
  • have their lawful rights protected in accordance with applicable laws and MSB’s rules and regulations.

By participating in this Program, customers agree and acknowledge that they fully understand and accept these Terms and Conditions, and any amendments hereto, as prescribed by MSB and as provided for by law.

MSB hereby officially launches this Program and undertakes to run it in full compliance with applicable laws.

These Terms and Conditions are available in English and Vietnamese. In the event of any inconsistency or conflict between the Vietnamese text and the English text, the Vietnamese text shall prevail and control.

Share: