.

1. Introduction

E-Savings is a type of Saving Account in which the customer gets increased interest rates at the determined account balance per account. It is an automatically linked two-way transfer to the current account in order to maintain liquidity and the customer gets an increased interest rate at the deposit balance.

The automatic link is based on this principle: The customer registers the fixed minimum balance in the account. When the actual balance is over the registered minimum balance, the system will automatically transfer the excess to the E-Savings Account so that the customer will get higher interest rate. On the contrary, the actual balance on the account is under the registered minimum balance, the system will automatically transfer the excess to the account to maintain the account at the registered minimum balance.

2. Currency

Vietnam Dong (VND)

3. Minimum Balance

- Minimum Balance: 100.000 VND

- Provided that: Current E-Savings Account’s Balance is under the minimum balance, the customer will pay a maintenance charge, according to VIB Bank’s quoted fee table.

- The Registered Minimum balance isn’t under 2.000.000 VND.

4. Deposit Term and amount

The customer is allowed to make deposit and withdraw with eligible amount during working hours of VIB Bank.

5. Deposit level is base on calculate interest rate

- Under 2 million VND

- 2 to under 5 million VND

- 5 to under 10 million VND

- 10 to under 50 million VND

- 50 to under 100 million VND

- 100 to under 500 million VND

- 500 to under 1,000 million VND

- Over 1,000 million VND

6. Interest Rate

According to interest rate table

7. Procedure of opening the current E-Savings Account

- If The customer has an account in VIB Bank: The customer presents their identity Card or legal identity papers and registration to open a Currency E-Savings Account with form’s VIB Bank.

- If The customer doesn’t have an account in VIB Bank: The customer  presents their identity Card or legal identity papers as well as registration to open current account and current E-Savings account as per VIB Bank’s Regulations.

8. Procedure of Settlement

The Customer presents their ID Card/Passport or legal identity papers, then Registration on closing their Current E-Savings Account by VIBank’s Regulations.

9. Procedure of deposit and withdraw money

- When the customer wants to put money into the current E-Savings account with an automatic two-way transfer from the current account to the current E-savings account, the customer can also put money in directly at the counter in the VIB Bank’s Branch or transfer from another account to the Current E-Savings Account via ATM, E-Banking, POS machine.

- When the customer withdraws from the current E-Savings account with an automatic two-way transfer from the current account to the current E-savings Account. Another way is to withdraw money directly at the counter or via ATM or POS Machine. In addition, the customer can transfer from the current E-Savings Account to another account via ATM, E-Banking or POS machine.

10. Performance of Automatic Transfer between the current e-savings account and current account.

The customer registers to use the automatic transfer between the current e-savingss account and current account. Therein, when the customer wants to withdraw cash from the current account but the money is over the balance in the current account, the system checks the current e-savings account’s balance automatically, then transfers the ecxced money to the current account to make sure the customer’s immediate requirement is fulfilled, provided the amount that the customer wants to withdraw isn’t over the balance in both the current account and current e-savings account (excluding the fixed minimum balance which is always to be maintained in the active account).

11. Fee deposit and withdraw with current e-savings account.

According to VIB Bank’s quoted fee table.