Terms and Conditions: CASA Growth Incentive Program for Affluent Retail Customers

1. Program Name: Incentive Program for Individual Customers in the Affluent Segment at MSB

2. Program Period: From June 09, 2026, to the end of August 31, 2026, or until replaced by an announcement from MSB from time to time, whichever comes first, and MSB is not required to give prior notice.

3. Program Territory (Scope): Nationwide

4. Program Customers (Eligible targets for program participation approval):

Customers who are individual customers belonging to the Affluent segment as prescribed by MSB and concurrently meet the following conditions:

• Receive a notification from MSB about this incentive program via the Mobile App.

• Are not on the list of fraudulent, unusual customers, or those violating MSB’s regulations in each period.

5. Eligible Goods and Services for Incentives: Customers meeting the program’s conditions will concurrently enjoy the following benefits:

6. Conditions to Receive Incentives (Targets entitled to receive incentives)

Customers are entitled to receive incentives when concurrently meeting all the following conditions:

• Being a customer eligible for the application rules (according to Section 4) of these Terms and Conditions.

• The Average Balance (AB) of the VND payment account during the incentive evaluation period (according to Section 7) reaches VND 11,000,000 or more.

• In case a customer has multiple VND payment accounts at MSB, the VND payment account AB is calculated based on the total AB of all the customer’s payment accounts at MSB.

7. Timeline for Approval Period, Incentive Evaluation Period, and Implementation Method:

a) Timeline for Customer Approval Period to join the program and Customer Incentive Evaluation Period:

b) Implementation Method:

• The evaluation of conditions to receive incentives is conducted daily during each evaluation period. Customers will receive incentives on a weekly basis after fully meeting the conditions specified in Section 6 and receiving a congratulatory notification from the Program for meeting the eligibility criteria.

• MSB compiles the list of customers eligible for incentives based on the database and information recorded on the system.

• Incentive usage period: from the date the customer is determined to be eligible for incentives until the end of August 31, 2026.

• Each customer is only eligible for the loan interest rate incentive on one (01) loan during the program implementation period.

• Customers meeting the program conditions will enjoy the deposit interest rate incentive for all new 6-month online VND savings accounts during the program period.

• In case of detecting invalid transactions, fraudulent transactions, or signs of exploiting the program, MSB reserves the right to refuse or revoke the granted incentives.

8. Contact Point for Customer Inquiries Regarding the Promotion Program:

Customers can contact MSB for assistance and inquiries related to the Program through the following channels:

• Email: Mfirst247@msb.com.vn

• Customer Care Hotline: 1800599999

• MSB Branches/Transaction Offices nationwide

9. General Terms and Conditions of the Program

a) MSB’s Responsibilities and Authority:

• MSB’s Rights:

  • MSB holds the final decision-making power in adjusting the rules, changing the timeline, or suspending the incentive program in accordance with legal regulations.

  • If due to force majeure events (as prescribed by law) beyond MSB’s control, the incentive program cannot take place as planned, MSB may (to the extent permitted by law) cancel, terminate, modify, or postpone part or all of the program after obtaining approval from the competent authorities or in accordance with current laws.

  • MSB has the right to use the images and information of incentivized customers for the purpose of promoting MSB’s products and services. The Program rules and the actual period of this incentive program may change at any time at MSB’s sole discretion after performing the necessary procedures as required by law.

  • MSB reserves the right to adjust incentive levels or interest rate policies to align with its business policies in each period.

• MSB’s Responsibilities:

  • Review conditions and apply incentives to eligible customers in accordance with the program regulations.

  • Resolve complaints arising in connection with the program in accordance with MSB’s regulations and prevailing laws.

b) Customer’s Responsibilities and Authority:

• Customer’s Responsibilities:

  • Customers are fully responsible for the accuracy of the contact phone numbers and emails provided to the Bank.

  • Customers are fully responsible for using the incentives provided by MSB and complying with the program’s terms and conditions.

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