Notice on the Issuance of “Loc Phat” Certificate of Deposit for Large Corporate Clients – Batch 1 of 2025

1. Total Issuance Value: VND 2,500,000,000,000 (Two trillion five hundred billion VND), in which:

- Tenors from 1 to 12 months: VND 1,000,000,000,000 (One trillion VND)

- Tenors over 12 months: VND 1,500,000,000,000 (One trillion five hundred billion VND)

2. Issuance Period: From May 25, 2025 to September 30, 2025, or until the total issuance value is fully subscribed, whichever comes first.

3. Product Name: Loc Phat Certificate of Deposit (CD)

4. Eligible Buyers: Corporate/Institutional clients classified under the “Large Corporate Client” segment as defined by NCB from time to time and legally permitted to purchase CDs in accordance with prevailing laws.

5. Issuance Scope: Across the entire branch network of National Citizen Commercial Joint Stock Bank (NCB).

6. Type of Issuance: Registered CDs issued in certificate form bearing the name of the holder.

7. Currency: Vietnamese Dong (VND).

8. Tenors Available: 01 month, 02 months, 06 months, 09 months, 12 months, 13 months, 18 months, 24 months, and 36 months.

9. Denomination:

- Minimum denomination: VND 500,000,000 (Five hundred million VND)

- CDs must be purchased in multiples of VND 10,000,000 (Ten million VND)

10. Interest Rate: Fixed interest rate applicable to each CD tenor, publicly listed and announced by NCB from time to time, in accordance with regulations of the State Bank of Vietnam.

11. Interest Payment Method: Interest paid at maturity.

12. Principal and Interest Payment Method:

- Interest Payment: Interest is paid at maturity via bank transfer to the demand deposit account opened at NCB by the customer and designated in the CD issuance request form.

If the designated demand deposit account is frozen, closed, or otherwise ineligible to receive funds at the time of interest payment, NCB will hold the interest amount on behalf of the customer in a non-interest-bearing holding account until the customer visits an NCB transaction point to complete the collection procedure.

- Principal Repayment: Principal is paid on the maturity date or upon the customer’s request for early redemption, via transfer to the customer’s demand deposit account at NCB or another account as specified in the customer's settlement request. The principal will be held in a non-interest-bearing account from the maturity date until the customer completes the settlement procedure at an NCB transaction point.

13. Early Redemption:

In the case of early redemption, the customer will receive the lowest non-term interest rate applicable to VND deposits for the relevant client category at NCB, calculated on the full CD value from the issuance date to the early redemption date.

14. CD Rollover Policy:

CDs will not automatically renew at maturity. If the customer wishes to continue participating and the CD product is still being offered, the customer must purchase a new CD in accordance with NCB’s current regulations at the time of purchase.

15. CD Transfer at NCB:

- The CD must be transferred in full, including all associated rights and obligations.

- Transfers and related procedures must be conducted in person at the NCB transaction point where the CD was initially purchased, in accordance with NCB’s applicable procedures.

- The transfer must be approved in writing by the authorized governing body of the transferring entity, as required by the entity’s Charter or under applicable laws.

- Transfer/receipt fee: 0.1% per annum (exclusive of 10% VAT).

16. Other Provisions:

All matters not specified in this Notice shall be implemented in accordance with NCB’s current regulations on certificates of deposit as issued from time to time and in accordance with applicable laws and regulations (including any amendments, supplements, or replacements thereof, if any).