“Autobilling rewards” – Program Terms and Conditions

1. Organizer’s Information

• Full Name: Vietnam Maritime Commercial Joint Stock Bank (MSB)
• Headquarters Address: No. 54A Nguyen Chi Thanh, Lang Ward, Hanoi
• Phone Number: 19006083

2. Program Name: “Autobilling Rewards” Program (the “Program”).
3. Promotion Period: From November 01, 2026 until and including January 31, 2027 or until the Program budget or the total number of Promotional Rewards and Benefits is exhausted, whichever comes first.
4. Applicable Area & Territory: Nationwide
5. Promotion Type: Free gifts with purchase of goods and/or provision of services
6. Goods/Services Eligible for the Program: Bill payment services, with Autobilling enabled, under the “Payment” section on the MSB Digital Bank application, applicable to electricity, water, mobile phone, cable television, internet, and home phone bills.
7. Promotional Rewards and Benefits: Funds (in VND) credited to the current/checking account held by Customers with MSB.
8. Total Promotional Value of the Program: VND 260,000,000 (in words: Two hundred sixty million Vietnamese Dongs).
9. 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.

10. Eligibility for the Promotional Rewards and Benefits and Reward Amounts

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

• must be eligible for the Program as specified in Section 9 of these Terms and Conditions; and
• must enable Autobilling and pay bills as follows:

Important:

• Customers may accumulate the Promotional Rewards and Benefits upon satisfaction of the respective eligibility criteria for each phase of the Program.
• For the purposes of determining eligibility and making reward payments, a “month” is defined as the period commencing on the first day until the last day of the relevant calendar month.

11. Assessment and Granting and Use of Promotional Rewards and Benefits

• On a monthly basis, MSB compiles a list of Customers that have satisfied eligibility criteria for the Promotional Rewards and Benefits under the Program;
• 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 and requirements under the Program, MSB will credit the relevant Promotional Rewards and Benefits to the current/checking account held by Customers with MSB;
• In the event of any data discrepancies or transactions requiring reconciliation, 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 and requirements under the Program; and
• If the total rewards payable to eligible Customers exceed the remaining Total Promotional Value, the Promotional Rewards and Benefits shall be rewarded in descending order of the total value of eligible bill payments made by each Customer, ranked from highest to lowest until the Total Promotional Value is fully exhausted.

12. 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
• Hotline at 1800599999; and/or
• Any MSB branch or transaction unit nationwide.

13. General Terms and Conditions

1. MSB’s Rights and Obligations

a. MSB’s Rights:

• 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;
• MSB may, 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;
• With Customers’ consent, use eligible Customers’ images and information for promotional and marketing purposes relating to MSB’s products and services; and 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.

b. MSB’s Obligations:

• • 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 applicable rules and regulations, and applicable laws. handle any claims and complaints relating to the Program in compliance with MSB’s applicable rules and regulations, and applicable laws. Any inquiries or complaints relating to the Program shall be lodged by Customers to MSB within ten (10) days from the date of the relevant reward payment. Any inquiries or complaints lodged after this period will not be considered and resolved by MSB.

2. Customers’ Rights and Obligations

a. Customers’ Rights:

• Customers may enjoy the applicable Promotional Rewards and Benefits 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.

b. Customers’ 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 rewards 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 purposes of receiving the applicable Promotional Rewards and Benefits; in such cases, MSB reserves the right to reject or revoke such Promotional Rewards and Benefits.

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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