Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

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09/05/2025

PRODUCT BENEFITS

Safety guaranteed

Optimal profit

Flexible transfer

Easy experience

APPLICABLE TERMS AND CONDITIONS

Please see details here.

PRIMARY ISSUANCE RULES:

MSBCDRB2401 – July 2024 issuance – Please see details here.

MSBCDRB2402 – August 2024 issuance – Please see details here.

MSBCDRB2501- February 2025 issuance – Please see details here.

MSBCDRB2502 – Phase 1 – March 2025 issuance – Please see details here.

MSBCDRB2503 – Phase 2 – March 2025 issuance – Please see details here.

MSBCDRB2504 – April 2025 issuance — Please see details here.

MSBCDRB2505 – August 2025 issuance — Please see details here.

MSBCDRB2506 – August 2025 issuance — Please see details here.

MSBCDRB2507 – September 2025 issuance — Please see details here.

EARLY TRANSFER YIELD

Profit when flexibly transferring CD will depend on the agreement with the buyer, calculated by the holding time.

Reference yield levels:

Holding time	Average yield (%/year)
1-6 days	1.2%/year
7-13 days	1.3%/year
14-20 days	1.5%/year
21-27 days	2%/year
28-57 days	3.1%/year
58-85 days	3.25%/year
86-100 days	3.3%/year
After 100 days (calculated by actual holding days)	3.3%/year