“AM VANG XU BACH DUONG” CONCERT TICKET GIVEAWAY PROGRAM TERMS AND CONDITIONS

1. Program Name: “AM VANG XU BACH DUONG” Concert Ticket Giveaway.

2. Organizer’s Information

– Full Name: Vietnam Maritime Commercial Joint Stock Bank (MSB)

– Headquarters Address: No. 54A Nguyen Chi Thanh, Lang Ward, Hanoi

– Phone Number: 024 3771 8989       Fax Number: 024 3771 8899

– Tax Code: 0200124891

3. Promotion Period: From October 30, 2026 until and including November 05, 2026 or until gift stock under this Program is exhausted, whichever occurs earlier.

4. Applicable Area & Territory:

5. Promotion Type: Free gifts with purchase of goods and/or provision of services.

6. Goods/Services Eligible for the Program: Insurance products offered through MSB in its capacity as an insurance agent, including:

Life insurance products provided by Prudential Vietnam Life Insurance Company Limited, which are the unit-linked insurance product “PRU- MAXIMUM PROTECTION 2” and the universal life insurance product “PRU- WEALTH FORWARD” and the following products:

Non-life insurance products:

• “Bao Binh An” product offered by Bao Minh Insurance Corporation;
• “Credit Risk Life” (CRL) product offered by Post & Telecommunication Insurance Joint Stock Corporation (PTI);
• “Credit Risk Life” product offered by Tasco Insurance Company Limited (Tasco);
• “Cancer Insurance” product offered by PVI Insurance Corporation (PVI);
• “Hospitalization Support Insurance” product offered by Global Insurance Corporation (GIC).

7. Promotional Rewards and Benefits: A pair of tickets to the “AM VANG XU BACH DUONG” concert

8. Eligibility for the Program:

Customers must be individuals who are classified as “Affluent” (AFF) customers at MSB, in accordance with MSB’s applicable rules and regulations from time to time, and fall into one of the following target groups:

• Target Group 1: Customers who purchase a life insurance policy with a “case size” equal to or greater than VND14,000,000 (in words: Fourteen million Vietnamese Dongs) per policy, provided that a valid application for such policy is submitted and the policy is issued during the Promotion Period.
• Target Group 2: Customers who purchase a non-life insurance product, specifically the CRL product, with a “case size” equal to or greater than VND 10,000,000 (in words: Ten million Vietnamese Dongs) per policy, provided that a valid application for such policy is submitted and the policy is issued during the Promotion Period.

For the purposes of this Program, “case size” means the actual premium collected for the first premium period of the policy. For life insurance policies, case size includes the premiums for both the main policy and any riders (i.e., supplementary products); for non-life insurance policies, case size means the actual premium collected for the policy.

General Terms and Conditions:

• Case sizes shall be separately determined for each insurance policy. Premiums paid under multiple policies held by the same Customer shall not be aggregated to satisfy the applicable threshold.
• Tickets are awarded on a per-policy basis, not per Customer. Each insurance policy that satisfies the eligibility criteria and requirements for the Program shall entitle the policyholder to one (01) pair of tickets. Each Customer that enters into multiple qualifying policies (including both life and non-life insurance policies) are entitled to a number of pairs of tickets corresponding to the number of qualifying policies.
• The relevant insurance policies shall remain in full force and effect as of the date MSB determines the list of Customers eligible for the Promotion Rewards and Benefits (i.e., November 06, 2026).

9. Gift Structure

Total Promotional Value of the Program shall be equal to VND111,150,000 (in words: One hundred eleven million one hundred fifty thousand Vietnamese Dongs), inclusive of VAT.

• The gifted pairs of tickets are issued in the physical (hard-copy) form, cannot be exchanged for cash or any other goods and benefits, and will be awarded as described in Section 10 of these Terms and Conditions.
• Date and time of use: 8 p.m. on November 14, 2026.
• Venue: Hoan Kiem Opera House, No. 40–40A Hang Bai, Cua Nam, Hanoi.
• Instructions for Use: The gifted pairs of tickets shall be used in accordance with the applicable rules and regulations regarding the Concert and the instructions provided by the event organizers.
• Each pair of tickets admits 02 (two) persons.

10. Details of the Program

10.1. Conditions, Methods, and Procedures for Eligibility for the Program: Customers wishing to participate in this Program are not required to complete a separate registration. MSB will automatically compare and reconcile data duly recorded in its internal systems against the data verified by the relevant insurers to identify Customers eligible for the Promotional Rewards and Benefits, and will subsequently notify such Customers and arrange for the gifting of the tickets.

10.2. Methods of Gifting: Once Customers are determined as eligible for the Promotional Rewards and Benefits, their respective SRM will contact them by phone to arrange for the gifting of the tickets prior to the Concert. Customers are not required to pay any additional costs and expenses to receive the tickets.

10.3. Related Gifting Terms

• Each Customer may receive multiple pairs of tickets if they enter into multiple insurance policies that satisfy the eligibility criteria and requirements for the Program set forth in these Terms and Conditions.
• Customers are entitled to refuse to receive the tickets by notifying MSB directly through the Contact Center Hotline or by informing their MSB Senior Relationship Manager (SRM).
• If any Customers refuse to receive the tickets, or if MSB is unable to reach any such Customer after three (03) attempts made within three (03) business days upon announcement of the list of eligible Customers, any such Customer’s entitlement to the tickets shall be forfeited.
• Customers who refuse to receive the tickets are not entitled to request that MSB exchange the tickets for cash, make a bank transfer in lieu thereof, or provide any other forms of compensations or replacements.
• MSB reserves the right to, at its own discretion, determine how to handle any remaining tickets, regardless of the reason for such tickets remaining unclaimed.

10.4. Terms relating to Determination of Final Results: If the number of Customers satisfying the eligibility criteria and requirements for the Program exceeds the number of available gifts as specified in Section 9 of these Terms and Conditions, MSB shall prioritize Customers whose insurance policies have been issued earlier. If policies have been issued at the same time, priority shall be given to any Customers with a higher Case size.

10.5. Related Insurance Policy Terms

• The gifting of tickets is a gesture of appreciation by MSB and does not constitute an insurance benefit or alter the rights or obligations of any party under the relevant insurance policy. Insurance policies are governed by the applicable product terms and conditions set forth by the insurer and the relevant laws and regulations governing insurance business activities.
• Customers purchase insurance products on a voluntary basis after receiving a full consultation regarding the relevant products. Receiving tickets is not a mandatory condition for purchasing insurance.
• If any Customer, prior to the gifting of the tickets, cancels or terminates their insurance policy, even during the period in which MSB is verifying data to determine eligibility for the Promotional Rewards and Benefits, such policy shall not award for the gifting of tickets. Other insurance policies held by the same Customer that remain in full force and effect and satisfy the eligibility criteria and requirements for the Program shall remain unaffected.
• If any Customer cancels or terminates their insurance policy after having already received the tickets, any such Customer shall return the relevant pair of tickets, or shall return or refund an amount equivalent to the value of such pair, as notified by MSB. Any pairs of tickets associated with other insurance policies that remain in full force and effect shall remain unaffected.

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 released and held harmless from any liability arising out of or relating to any force majeure events that occur during the Promotion Period and render Customers’ transactions incorrect or MSB unable to contact Customers about gifting of the tickets.
• 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 and/or the Concert 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 shall receive and handle any inquiries and complaints lodged by Customers regarding the results of the Program no later than forty-five (45) days upon termination of the Program. Any inquiries or complaints lodged after this period will not be considered. Customers may lodge their inquiries and complaints at these following contact details below:

+ Hotline: 1800 599999

+ Email: Mfirst247@msb.com.vn

• MSB reserves the right to use any information relating to the Program for marketing and communication purposes.

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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