UPGRADE TO M-FIRST – RECEIVE THOUSANDS OF REWARD POINTS – PROGRAM TERMS AND CONDITIONS FOR M-FIRST INDIVIDUAL CUSTOMERS

1. Program Name: “Upgrade to M-First – Receive Thousands of Reward Points” Program for M-First Individual Customers.
2. Applicable Area & Territory: Nationwide.
3. Promotion Type: Free gifts with purchase of goods and/or provision of services.
4. Promotion Period: From October 01, 2026 until and including December 31, 2026 or until the Total Value of Promotional Rewards and Benefits specified in Section 10 is exhausted, whichever comes first, without prior notice from MSB.
5. Goods/Services Eligible for the Program: Banking products and services provided by MSB for individual customers.
6. Promotional Rewards and Benefits: M-points (as specified in Section 9).
7. Eligibility for the Program: Customers must be individual customers of MSB and satisfy all of the following conditions:

–    Receive notifications about this Program via the MSB Digital Bank mobile app.

–     Not be listed as fraudulent, suspicious, or in violation of MSB’s applicable rules and regulations in effect for the time being; and Be eligible for the Promotional Rewards and Benefits as specified in Section 9.

8. Details of the Program

9.1. Eligibility for Rewards and Benefits

Customers must be eligible for the Program under Section 8 and satisfy the criteria for maintaining and/or upgrading their M-First membership tier as specified in Section 9.2 throughout the Promotion Period.

9.2. M-points Rewarded

The M-points rewarded is applicable to each M-First membership tier maintained and/or upgraded to by each Customer as follows:

Important: Customers who have already received M-points upon qualifying for the “Experience” membership tier will remain eligible to receive an additional one-time M-points reward respectively upon qualifying for an “Engagement” membership tier for the first time throughout the Promotion Period. Each Customer is entitled to receive the respective M-points reward only once upon qualifying for an “Engagement” tier for the first time throughout the Promotion Period.

9. Total Value of Promotional Rewards and Benefits: VND500,000,000 (in words: Five hundred million Vietnamese Dong), inclusive of VAT.
10. Granting and Use of Promotional Rewards and Benefits

–   Customers’ eligibility for the Promotional Rewards and Benefits shall be assessed on a monthly basis.

–   MSB will determine and compile a list of Customers eligible for the Promotional Rewards and Benefits using its system records and internal data throughout the Promotion Period.

–   MSB will pay the rewards to Customers no later than the tenth (10^th) day of the following month.

–   MSB will directly credit M-points to the rewards account in the MSB Rewards section of the MSB Digital Bank system/app. Customers may use their M-points at their own discretion to redeem privileges, gifts, vouchers or other benefits in accordance with the applicable MSB Rewards regulations.

–   M-points earned in month T of the current year will remain valid until the last day of month T of the following year (where T refers to any month from 1 to 12).

–   After successfully crediting the M-points, MSB will send Customers a message of congratulations via the Notifications channel on the MSB Digital Bank app.

11. Customer Support:

• Phone Number: 1800 599999; and/or
• Email: Mfirst247@msb.com.vn

12. Disclosure of Information: MSB is responsible for publishing these Terms and Conditions on its website at https://www.msb.com.vn/
13. The Parties’ Rights and Obligations
    • MSB’s Rights and Obligations:

• MSB shall run and organize the Program in accordance with the published Terms and Conditions and applicable laws;
• MSB’s decisions on any and all matters relating to this Program shall be final and binding on Customers, unless otherwise provided by law;
• MSB reserves the right to refuse to award the Promotional Rewards and Benefits, and claim reimbursements and/or compensations from Customers, where applicable, in accordance with applicable laws if Customers have engaged in any fraudulent or dishonest activities, falsify their documents, and/or fabricates their transactions for the purpose of receiving such Promotional Rewards and Benefits;
• In order to ensure and maintain the transparency of the Program, MSB may disclose and otherwise make publicly available the images and information of any Customers eligible for the Promotional Rewards and Benefits in accordance with applicable laws;
• With Customers’ consent, MSB may use their images and information relating to this Program for promotional and marketing purposes, and publicize such images and information, to the extent permitted by law;
• MSB shall be absolved of any liability and responsibilities for force majeure events, including fire, explosion, flood, earthquake, and system processing errors, that cause discrepancies or differences in Customers’ transactions, prevent the transactions from being executed, or prevent the transactions from being transmitted to MSB’s system;
• MSB may, at its own discretion, change these Terms and Conditions and the actual Promotion Period from time to time, following the completion of any and all formalities and procedures required by law; MSB will publicly publish any changes thereto in the manner(s) specified in Section 13;
• Any inquiries or complaints relating to the Program shall be lodged by Customers to MSB through the contact point specified in Section 12 within ten (10) days upon termination of the Program. Any inquiries or complaints lodged after this period will not be considered and resolved by MSB; and
• To the extent permitted by law, cancel, terminate, modify, or postpone part or all of the Program, subject to approval from competent authorities where required by law, either due to force majeure events or circumstances beyond MSB’s reasonable control, which render the Program impossible to carry out as scheduled, or where such action is necessary to align with its business objectives and targets;
  • Customers’ Rights and Obligations
• Customers may freely use their rewarded M-points for personal purposes in accordance with applicable laws, the applicable MSB Rewards regulations, and other rules and regulations set forth by MSB in full force and effect from time to time;
• Customers shall be fully responsible for the accuracy of any and all of the information provided to MSB;
• Customers shall return in full all rewards and benefits granted by MSB if MSB has reasonable grounds to establish that the transactions for which all such rewards and benefits were granted and/or any information and documents, provided by Customers or collected by MSB through its system for the purposes of assessing Customers’ eligibility for such rewards and benefits, are unlawful, invalid, fraudulent, or forged, as specified in these Terms and Conditions and as prescribed by MSB;
• Customers receiving rewards under this Program may be required to pay taxes on irregular income and any associated fees and charges in accordance with applicable laws; if taxes on irregular income are payable, Customers agree that MSB is entitled to deduct such taxes and any associated fees or charges from the monetary value of the received rewards and benefits and pay such amounts to the competent authorities on Customers’ behalf in accordance with applicable laws;
• By participating in this Program, Customers agree and acknowledge that they fully understand and accept these Terms and Conditions, and any amendments hereto.

MSB hereby announces the launch of this Program and undertakes to run it in full compliance with applicable laws, and assumes full responsibility therefor.

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.                                                              

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