“Grow your balance, earn vouchers” program terms and conditions for affluent individual customers

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

“Grow your balance, earn vouchers” Program (the “Program”)

3. Promotion Period:

From November 01, 2026 until and including November 30, 2026 or until the Total Promotional Value of the Program 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

Current/Checking account and Online Banking services throughout the Promotion Period.

7. Promotional Rewards and Benefits:

Electronic vouchers (E-vouchers) credited to the “Rewards” section of Customers’ MSB Digital Bank application.

8. Total Promotional Value of the Program

VND219,700,000 (in words: Two hundred nineteen million seven hundred thousand 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 Digital Bank.

10. Conditions and incentive levels

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:

• Must be eligible for the Program as specified in Section 9 of these Terms and Conditions; and
• Must initiate financial transactions via MSB Digital Bank during November 2026, with an aggregate transaction value of no less than VND1,000,000.
• Reward Structure: Rewards shall be awarded in line with the increase in the average balance of the current/checking account (the “Average CASA Balance”) in November 2026 compared to October 2026 as follows:

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

• MSB will compile a list of Customers eligible for the Promotional Rewards and Benefits using data duly recorded in its internal system.
• Each Customer is entitled to only one (01) reward of the highest value throughout the Promotion Period.

Important:

• Customers with a higher absolute increase in their Average CASA Balance shall be given higher priority.
• If multiple Customers achieve an equal increase in their Average CASA Balance, MSB shall give priority to any Customer(s) with the higher aggregate value of financial transactions initiated via MSB Digital Bank during November 2026.

• The Promotional Rewards and Benefits shall be credited no later than the last business day of December 2026.
• E-vouchers shall be directly credited to the respective MSB Rewards account on MSB Digital Bank.
• After the Promotional Rewards and Benefits have been awarded, MSB will notify Customers via MSB Digital Bank.

12. Customer Support for the Program:

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.

13. The Parties’ Rights and Obligations

a. 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, have falsified their documents, and/or have fabricated 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 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/or 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 fires, explosions, floods, earthquakes, 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;
• 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; and
• MSB may, 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.

b. Customers’ Rights and Obligations

• Customers may freely use their benefits received for personal purposes in accordance with applicable laws;
• Assume full responsibility for the accuracy of any and all information provided to MSB;
• Return all benefits received if MSB reasonably establishes that the transactions in question are invalid in accordance with applicable laws and MSB’s rules and regulations, as in effect from time to time; and
• Customers entitled to the Promotional Rewards and Benefits may be subject to personal income tax on irregular income and any applicable fees and charges in accordance with applicable laws; where such tax becomes due and payable, Customers agree that MSB is entitled to deduct any such tax, fees, and charges, as required by law, from the value of the respective reward received, and pay any such amounts to the relevant competent authorities on Customers’ behalf in compliance 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.

Share: