“Become M-First Customers, Enjoy Comprehensive Healthcare Privileges” Program terms and conditions

1. Program Name: “Become M-First Customers, Enjoy Comprehensive Healthcare Privileges”
2. Promotional Categories (Products & Services): M-First Priority Customer Services
3. Promotion Period: From July 24, 2026 until and including September 30, 2026 or while supplies last, whichever occurs earlier.
4. Applicable Area & Territory:
5. Promotion Type: Free Gifts with the Purchase and Sale of Goods and/or Provision of Services
6. Promotional Categories (Products & Services): M-First Priority Customer Services
7. Promotional Rewards and Benefits: Open Healthcare Advance Membership E-vouchers
8. Eligibility Customers:

Customers must be individuals, each classified as an Affluent Customer, under MSB’s applicable rules and regulations in effect for the time being, and must also satisfy all of the following criteria:

• have received a notification from MSB about the Program via the MSB Mobile App or at the email address registered with MSB; and
• not be listed as fraudulent, suspicious, or in violation of MSB’s applicable rules and regulations in effect for the time being.

9. Details of Gifts:

• E-vouchers are valid until June 30, 2027.
• Eligible Merchant: OPEN HEALTHCARE VIETNAM JOINT STOCK COMPANY (OHVN) – Level 2, Shopping Mall, Supermarket and Product Display Area, 987 Tam Trinh Street, Hoang Mai Ward, Hanoi.
• E-vouchers provided under this Program are non-cashable, non-transferable, and cannot be combined with other promotions offered by OHVN.

10. Details of the Program:
    • To participate in this Program, Customers must satisfy all of the following criteria and complete all of the following procedures:
    • have received a notification from MSB about this Program via the MSB Mobile App or at the email address registered with MSB, and have clicked to open and view said notification;
    • maintain a balance in their current/checking account or deposit held with MSB in accordance with applicable regulations; and
    • become a Priority Customer of MSB during the Promotion Period by maintaining: (a) an average VND current/checking account balance of VND 150 million or more over the preceding thirty (30) days, or (b) a deposit balance of VND 01 billion or more
    • Each Customer is entitled to no more than one (01) E-voucher under this Program throughout the Promotion Period.
    • Gifting of E-vouchers
    • E-vouchers will be awarded no later than thirty (30) days after the end of the Promotion Period or until supplies run out, whichever occurs earlier.
    • E-vouchers will be sent to the “My Offers” Section under “Rewards” on the MSB Digital Bank application
    • Redemption of E-vouchers
    • Step 1: Customers may contact OHVN Hotline at 0961 997 670 or register for an appointment via the online form at https://docs.google.com/forms/d/1vi2TvvlQSw-giEYUAnW5mrfcoHqXEXQuB8dHb8zH51Y/edit, and OHVN will then schedule their appointment.
    • Step 2: Customers provide their E-vouchers for verification and schedule their appointment.
    • Step 3: Customers provide their information, e.g. full name, phone number, etc., upon arrival at the testing location for their scheduled appointment or, if it is available as set out by OHVN, when using their at-home specimen collection service.
11. Other Related Terms and Provisions:
    • By participating in this Program, Customers agree and acknowledge that they understand and accept all of these Terms and Conditions and any amendments hereto.
    • MSB shall be liable for any force majeure events that occur during the Promotion Period, and render Customers’ transactions incorrect and MSB unable to contact Customers about the award of the prize.
    • Unless otherwise provided by law, any decisions made by MSB on all matters relating to the Program shall be final and binding.
    • In the event of any force majeure events, as provided for by law, that occur beyond the reasonable of MSB and render the Program impossible to carry out as planned, MSB is entitled to, to the extent permitted by law, cancel, terminate, adjust, change, or postpone, part or all of the Program either upon approval from relevant competent authorities or as otherwise required by applicable laws.
    • MSB will receive and handle Customers’ inquiries into and/or complaints about the results of the Program submitted no later than forty-five (45) days after the end of the Promotion Period. Any inquiries and/or complaints lodged after such period will not be considered.
    • MSB reserves its right to use any and all information relating to the Program for promotional and advertising purposes.

MSB respectfully announces this Program and undertakes to comply with these Terms and Conditions and to assume full responsibility for this Program in accordance with applicable laws.

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

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