The program’s rules aim to boost average balance growth for customers attracted through paid advertising and affiliate marketing.

Rules for the program to boost average balance growth for customers attracted through paid advertising and affiliate programs

1. 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

2. Promotion Program Name (CTKM):“Program to boost average balance growth for customers attracted through paid advertising and affiliate programs”.
3. Promotion area (scope):Nationwide.
4. Promotion method:Giving away goods, providing services No fees charged in conjunction with the sale of goods or provision of services.

   Promotion Period: From December 18, 2025 to January 30, 2026, or until the budget of the promotion is exhausted as stipulated in Section 9 of these Regulations, whichever comes first, and MSB does not need to give prior notice.

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

   Promotional Goods and Services: Transfers to payment accounts opened at MSB.

   Customers of the Promotion Program (eligible participants):

   Individual customers who have opened new payment accounts at MSB. Successfully participating through the MSB mBank application from December 1, 2025 to January 31, 2026 from paid advertising and affiliate sources and receiving notifications about this promotion from MSB via Zalo, SMS, Email or the MSB mBank application.

   Prize structure (prize content, prize value, number of prizes): Customers who meet the eligibility requirements in Section 8 of these Terms and Conditions and are eligible for the promotion in Section 9 of these Terms and Conditions will receive the corresponding reward as follows: after:

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Total value of goods and services used for promotion:198,400,000VND (Equals Text: One hundred ninety-eight million four hundred thousand dong.