“CONNECT & GROW YOUR SAVINGS” PROGRAM TERMS AND CONDITIONS

1. Program Name

“Connect & Grow Your Savings” Program (the “Program”).

2. Promotion Period

From October 01, 2026 until and including December 31, 2026 or until the Total Promotional Value of the Program is exhausted, whichever comes first.

3. Applicable Area & Territory

Nationwide.

4. Eligibility for the Program

• Customers must be individuals who are classified as Affluent Customers under MSB’s applicable rules and regulations in effect for the time being, and
• must receive notifications about the Program via MSB Mobile App.

5. Promotion Type

Free gifts with purchase of goods and/or provision of services.

6. Total Promotional Value of the Program

VND600,000,000 (in words: Six hundred million Vietnamese Dongs)

7. Promotional Rewards and Benefits

Cash reward credited to Customers’ current/checking account held with MSB in VND.

8. Eligibility for the Promotional Rewards and Benefits

Customers shall be deemed eligible for the Promotional Rewards and Benefits upon satisfaction all of the following criteria:

• They shall be eligible for the Program as specified in Section 4 of these Terms and Conditions, shall increase their average demand deposit balance (hereinafter referred to as the “average CASA”) by VND 50 million or more during each Benefit Eligibility Assessment Period compared to the relevant Program Eligibility Assessment Period, and shall, after having completed the CD transfer procedures, hold Certificate(s) of Deposit (CDs) issued by MSB, during the relevant CD Reward Value Determination Period specified in Section 9 of these Terms and Conditions;
• The total par/face value of eligible CDs transferred during the relevant CD Reward Value Determination Period shall fall within one of the tiers as follows:

9. Assessment Periods and Determination Principles

Importance:

The total face/par value of newly received Certificates of Deposit (CDs) during the relevant CD Reward Value Determination Period shall be equal to the aggregate face/par value of the CDs that have been held for no less than twenty-eight (28) days, applicable to CDs classified under the “non-early-redemption” product category on the MSB DigiBank app. The qualifying face value shall be aggregated for the relevant Reward Payment Period, and each Customer is entitled to one (01) reward per Reward Payment Period. Such reward shall be credited no later than the last business day of such period.

For example:

• The average CASA balance of a Customer in September 2026 is VND 600 million;
• The Customer’s average CASA balance in October 2026 increases by VND 150 million compared to September 2026;
• In October 2026, the Customer receives a transfer of CDs that have been held for no less than twenty-eight (28) days, applicable to CDs classified under the “non-early-redemption” product category on the MSB DigiBank app, via the MSB DigiBank app with a total par/face value of VND 2.5 billion. By the end of November 2026, the Customer is eligible to receive the Promotional Rewards and Benefits in a value of VND 01 million; and
• In November 2026, the Customer receives a transfer of CDs that have been held for no less than twenty-eight (28) days, applicable to CDs classified under the “non-early-redemption” product category on the MSB DigiBank app, via the MSB DigiBank app with a total par/face value of VND 05 billion. By the end of December 2026, the Customer is eligible to receive the Promotional Rewards and Benefits in a value of VND 1.5 million.

10. Assessment and Granting and Use of Benefits

• On a monthly basis, MSB compiles a list of Customers whose average CASA balances have increased in accordance with the Program’s eligibility criteria and who meet the required total face/par value of eligible CDs;
• The list of eligible Customers shall be subject to verification, reconciliation, and approval in accordance with MSB’s internal regulations before the relevant Promotional Rewards and Benefits are credited;
• Once Customers have satisfied all of the eligibility criteria of the Program, MSB will credit the relevant Promotional Rewards and Benefits to the current/checking account registered by Customers with MSB;
• The Promotional Rewards and Benefits shall be credited no later than the last business day of the relevant Reward Payment Period;
• In the event of any data discrepancies or transactions requiring reconciliation, the Promotional Rewards and Benefits will be credited upon completion of the verification process and confirmation that Customers have satisfied all of the eligibility criteria of the Program;

• If the total amount payable to eligible Customers exceeds the remaining Total Promotional Value, the Promotional Rewards and Benefits shall be considered for the Promotional Rewards and Benefits in descending order of the total value of eligible CD product purchases made by the Customers, ranked from highest to lowest;
• The consideration and assessment for the Promotional Rewards and Benefits shall continue until the Total Promotional Value is exhausted.

11. Customer Support

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

• Email: Mfirst247@msb.com.vn
• Customer Contact Center at 1800599999; and/or
• Any MSB branch or transaction unit nationwide

12. General Terms and Conditions
    1. MSB’s Rights and Obligations:

• MSB may:
  • Any decisions made by MSB regarding amendments to these Terms and Conditions, changes of the Promotion Period, or suspension of the Program shall be final and binding 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, as prescribed by laws, which render the Program impossible to carry out as scheduled, 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; amend these Terms and Conditions and adjust the actual Promotion Period from time to time at MSB’s sole discretion, provided that MSB has completed all formalities and procedures required by law; and
• amend the details of the Promotional Rewards and Benefits 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 Promotional Rewards and Benefits, and grant such applicable Promotional Rewards and Benefits to eligible Customers in accordance with these Terms and Conditions; and
  • handle any claims and complaints relating to the Program in compliance with MSB’s rules and regulations, and applicable laws.

1. Customers’ Rights and Obligations

• Customers shall:
  • provide required information in an accurate and complete manner, and assume full responsibility for any and all information provided to MSB;
  • assume full responsibility for their use of the Promotional Rewards and Benefits provided by MSB and comply with these Terms and Conditions;
  • return all benefits received if MSB reasonably establishes that the transactions in question are invalid; and
  • indemnify MSB for any loss and/or damage, where applicable, in accordance with applicable laws if MSB is aware or has knowledge that Customers have engaged in any fraudulent or falsified activities for the purpose of receiving benefits under the Program; in such cases, MSB reserves the right to reject or revoke such benefits.
• Customers may:
  • enjoy the applicable benefits under the Program upon satisfaction of all eligibility criteria and requirements;
  • 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 internal 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 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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