“Deposit with interest rate based on actual deposit time” is an investment option for individual customers through savings/personal deposit for the term of 12 months to enjoy automatic-adjusted interest rate which is based on prevailing interest rate from time to time of Eximbank, not lower then the initial interest rate, and guarantees the highest benefits to the customers in case of their urgent need for funds.

1. Mobilization method: Deposits from the individual customers and savings deposit (not applicable to Mixed Savings Deposit, Time Savings Deposit with Flexible Fund Withdrawal, or Savings Deposit in promotion programs).
2. Term: 12 months
3. Applicable currency: VND.
4. Interest payment: At term-end
5. Interest rate:

• Interest rate as applied by Eximbank from time to time.
• The more customers deposit the higher bonus interest rate they will enjoy which is based on the VND deposit balance at the time of making deposit.
• Customers will enjoy automatically adjusted interest from time to time in accordance with the prevailing interest rate of Eximbank, but not lower than the initial interest rate.
• Please refer to the prevailing schedule of interest rate for further information.

6. Regulations on early withdrawal

• When having withdrawal needs, customers must close their savings book and individual deposit accounts.

• Customers are not entitled to automatically adjusted interest rate.
• Customers are entitled to demand interest rate at the time of withdrawal

• On due date of settlement, if customers do not close their savings books/deposit accounts and have no other requests, Eximbank will proceed as follows:

• On due date, if Eximbank still provides this product: customer’s interest and principal will be renewed for the next term.