FOREIGN EXCHANGE AND DEPOSIT

1. Current Account

Types of customer	VND	USD and other foreign currencies
Corporate	0.50%	0.00%
Capital Account	0.00%	0.00%

2. Time Deposit Account

Tenor	VND	USD and other foregin currencies
	Corporate
1 week	0.5	0.00%
2 week	0.5	0.00%
3 week	0.5	0.00%
1 month	3.25	0.00%
2 month	3.75	0.00%
3 month	3.75	0.00%
4 month	3.75	0.00%
5 month	3.75	0.00%
6 month	On request	0.00%
9 month	On request	0.00%
12 month	On request	0.00%
18 month	Na	0.00%
24 month	Na	0.00%
36 month	Na	0.00%

Notes: – The interest rate is applied for time deposit account with interest paid at maturity date. – The interest rate is determined by principle and tenor of the deposit. – In the event of premature withdrawal of the Time Deposit Account, the interest payment is calculated by the current deposit interest rate and the number of days from the deposit date to the termination date. – Interest rate applied for large deposit should be agreed between customer and the Bank. – Any change may be made without notice.