Terms and Conditions of the Promotion Program for Customers Opening New Accounts Through Paid Advertising and Affiliate Marketing in November 2025

Vietnam Maritime Commercial Bank (MSB) Announcement

Information of the merchant conducting the promotion:

Vietnam Maritime Commercial Bank (MSB)

Head Office Address: 54A Nguyen Chi Thanh Street, Lang Ward, Hanoi City

Phone Number: 1900 6083

Promotion Program Name: “Promotion Program for eKYC Customers from Paid Advertising and Affiliate Programs with Average Monthly Balance Growth in November 2025”.

Promotion Area (Scope): Nationwide.

Promotion Method: Giving away goods or providing services free of charge, accompanied by the sale of goods or services.

Promotion Period: From November 24, 2025 to November 30, 2025, or until the quantity of gifts specified in Section 9 of these Regulations is exhausted, whichever comes first, and MSB does not need to give prior notice.

Promotional Goods and Services: Payment accounts of individual customers opened at MSB from paid advertising and affiliate sources.

Goods and services used for promotion: E-vouchers from Shangchi restaurant.

Customers of the Promotion Program (Eligible Participants):

– Eligible Participants: Individual Vietnamese customers who successfully opened a new payment account at MSB through the MSB mBank application from November 1st, 2025 to November 30th, 2025 from paid advertising sources (Facebook, TikTok) and Affiliate (Accesstrade, Dinos) and received notification about this promotion from MSB via Zalo, SMS, Email or the MSB mBank application.

– Conditions for receiving the reward: Customers must maintain an average balance of VND 1 million during the promotion period to receive the gift.

Prize Structure:

No.

Prize Content

Prize Value (VND)

Number of Prizes

Total Amount (VND)

1

E-voucher applicable at Shangchi restaurant chain[1]

100,000

150

0

Total:

150

0

Details about the E-voucher that is the prize of this promotion:

Voucher for a 100,000 VND discount on bills from 500,000 VND (before VAT), not applicable cumulatively. Applicable to customers dining in the store. Applicable to buffet and full-price combo menus

Locations: Applicable to ShangChi restaurants listed in the attached Terms and Conditions

Applicable Period: Applicable from Monday to Sunday, from November 24, 2025 to December 31, 2025

Not applicable on public holidays as per restaurant regulations (December 24, 25)

Not applicable in conjunction with other offers, including partner discount vouchers; cash discount vouchers, and cash vouchers from other partners with whom SVN Company has partnerships.

– Cannot split bills, combine offers, or be exchanged for cash.

– Offers and VAT invoice requests (if any) must be notified before payment. Not applicable if the invoice has already been printed/issued from the system.