Eximbank

Effective from December 08th, 2011.

I. Schedule of fees for issuance and use of V-TOP card (EXIMBANK-CARD)

No.	CATEGORIES	RATE OF FEE
1	Standard issue fee	Free of charge
	Express issue fee
	- Principal card	VND100.000
	- Supplementary card	VND50.000
2	Annual fee	Free of charge
3	Card re-issue fee (per request)	VND50.000
3	- Express card re-issue fee	As item 1
4	PIN re-issue fee	VND20.000
5	Dispute investigation fee	VND30.000 for dispute transaction found genuine
6	ATM service fee
	6.1. Cash advance fee	Free of charge
	6.2. Bill payment fee
	- Beneficiary account with Eximbank	Free of charge
	- Beneficiary account out of Eximbank network	Applied Schedule of Fees for Individual Customers – Transaction on VND account
	6.3. Transfer (5 times/day)
	- The transaction amount ≤ VND 30 mil.	Free of charge
	- The transaction amount > VND 30 mil.	0,033% x (The amount-30 mil.), minimum VND11.000, maximum VND1.100.000
7	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND10.000
	- At other merchants	VND30.000

II. Schedule of fees for issuance and use of Eximbank – Visa Prepaid

No.	CATEGORIES	RATE OF FEE
International Anonymous Prepaid Card
1	Issue fee	VND30,000
2	Annual fee	Free of charge
3	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND20,000
	- At other merchants	VND80,000
4	Currency conversion fee	3.0% of transaction amount
International Personalized Prepaid Card
1	Card Personalization Fee	VND20,000
2	Annual fee	Free of charge
3	Card re-issue fee (per request)	VND50,000
	Express card re-issue fee	VND100,000
4	PIN re-issue fee	VND20,000
5	Cash advance fee (per transaction)
	5.1. In Eximbank network
	a. At ATMs	Free of charge
	b. At counters
	- The transaction amount ≤ VND 30 mil.	Free of charge
	- The transaction amount > VND 30 mil.	0,033% x (The amount - 30 mil.), minimum VND22.000
	5.2. Out of Eximbank network	2% of cash advance amount, minimum VND50,000
6	Lost/stolen card fee	VND200,000
7	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND20,000
	- At other merchants	VND80,000
8	Balance certificate (per request)	VND50,000
9	Others (if applicable)
	- Currency conversion fee	3.0% of transaction amount
	- Order of goods, services by email, fax, Internet	Free of charge
10	Fee for balance transfer (applicable to personalized cardholders who request for transfer of outstanding balance to other cards once the card becomes expired or terminated)	3.0% of outstanding balance, minimum VND10,000
11	Card maintenance fee (applicable 30 days after the expiry of personalized cards whose balance is still positive)	VND10,000
Note: - All fees are inclusive of 10% VAT. - Beside the above charges, at the time of arisen transaction, Eximbank shall hold 2% of original transaction amount, minimum VND2,000 (for the transactions in VND) or 5%, minimum VND5,000 (for ones in foreign currency). After the original transaction amount and charges debited into the card account, Eximbank shall automatically return the held amount to the card limit.

III. Schedule of fees for issuance and use of Eximbank-Visa Debit

No.	CATEGORIES	RATE OF FEE
1	Standard issue fee	Free of charge
	Express issue fee
	- Principal card	VND150.000
	- Supplementary card	VND100.000
2	Annual fee
	2.1. At the first year
	- Principal card	VND100.000
	- Supplementary card	VND50.000
	2.2. From the second year onwards
	- Total payment volume ≥ VND 50 mil. per year	Free of charge
	- Total payment volume < VND 50 mil. per year	As item 2.1
3	Card re-issue fee (per request)	VND50.000
3	- Express card re-issue fee	As item 1
4	PIN re-issue fee	VND20.000
5	Dispute investigation fee	VND80.000 for dispute transaction found genuine
6	Cash advance fee (per transaction)
	6.1. In Eximbank network
	a. At ATMs	Free of charge
	b. At counters
	- The transaction amount ≤ VND 30 mil.	Free of charge
	- The transaction amount > VND 30 mil.	0,033% x (The amount - 30 mil.), minimum VND22.000
	6.2. Out of Eximbank network	2% of cash advance amount, minimum VND50.000
7	Lost/stolen card fee	VND 200.000
8	Statement retrieval fee
	- By email, HomeBanking service	Free of charge
	- By post	VND3.000 per month
9	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND20.000
	- At other merchants	VND80.000
10	Balance certificate	VND50.000
11	Others (if applicable)
	- Currency conversion fee	3.0% of transaction amount
	- Order of goods, services by email, fax, Internet	Free of charge
12	Deposit interest on the account balance	As per Eximbank‘s interest on current account at the certain time
13	Bill payment fee
	- Beneficiary account with Eximbank	Free of charge
	- Beneficiary account out of Eximbank network	Applied Schedule of Fees for Individual Customers – Transaction on VND account

IV. Schedule of fees for issuance and use of Visa-MasterCard International Credit Card

No.	CATEGORIES	RATE OF FEE
1	Standard issue fee	Free of charge
	Express issue fee
	- Principal card	VND150.000
	- Supplementary card	VND100.000
2	Annual fee
	2.1. At the first year
	a. Secured card
	- Principal card	VND200.000
	- Supplementary card	VND100.000
	b. Unsecured card
	- Principal gold card	VND300.000
	- Supplementary gold card	VND200.000
	- Principal standard card	VND200.000
	- Supplementary standard card	VND100.000
	2.2. From the second year onwards
	a. Gold card
	- Total payment volume ≥ VND 80 mil. per year	Free of charge
	- Total payment volume < VND 80 mil. per year	As item 2.1
	b. Standard card
	- Total payment volume ≥ VND 50 mil. per year	Free of charge
	- Total payment volume < VND 50 mil. per year	As item 2.1
3	Card re-issue fee (per request)	VND50.000
3	- Express card re-issue fee	As item 1
4	PIN re-issue fee	VND50.000
5	Dispute investigation fee	VND80.000 for dispute transaction found genuine
6	Cash advance fee (per transaction)	3% of cash advance amount, minimum VND60.000
7	Lost/stolen card fee	VND200.000
8	Statement retrieval fee
	- Monthly statement	Free of charge
	- Statement in three latest periods	Free of charge
	- Statement over the above period	VND3.000 (each page), minimum VND10.000
9	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND20.000
	- At other merchants	VND80.000
10	Balance certificate	VND50.000
11	Finance charge	1,90% per month
12	Late payment charge	3% of minimum amount due, minimum VND50.000
13	Over credit limit fee	15% per year of overlimit amount
14	Change credit limit fee (per request)	VND30.000
15	Others (if applicable)
	- Currency conversion fee	3.0% of transaction amount
	- Order of goods, services by email, fax, Internet	Free of charge
16	Bill payment fee
	- Beneficiary account with Eximbank	Free of charge
	- Beneficiary account out of Eximbank network	Applied Schedule of Fees for Individual Customers – Transaction on VND account
17	Change kind of security fee	VND50.000

V. Eximbank-Visa Platinum Credit Card fees and charges

No.	CATEGORIES	RATE OF FEE
1	Standard issue fee	VND300.000
2	Annual fee	VND1.300.000
3	Card re-issue fee (per request)	VND100.000
4	PIN re-issue fee	VND50.000
5	Dispute investigation fee	VND80.000 for dispute transaction found genuine
6	Cash advance fee (per transaction)	3% of cash advance amount, minimum VND 60.000
7	Lost/stolen card fee	VND200.000
8	Statement retrieval fee
	- Monthly statement	Free of charge
	- Statement in three latest periods	Free of charge
	- Statement over the above period	VND3.000 (each page), minimum VND10.000
9	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND20.000
	- At other merchants	VND80.000
10	Balance certificate	VND50.000
11	Finance charge	1,90% per month
12	Late payment charge	3% of minimum amount due, minimum VND50.000
13	Over credit limit fee	15% per year of overlimit amount
14	Change credit limit fee (per request)	VND30.000
15	Others (if applicable)
	- Currency conversion fee	3.0% of transaction amount
	- Order of goods, services by email, fax, Internet	Free of charge
16	Bill payment fee
	- Beneficiary account with Eximbank	Free of charge
	- Beneficiary account out of Eximbank network	Applied Schedule of Fees for Individual Customers – Transaction on VND account
17	Change kind of security fee	VND50.000

VI. Schedule of fees for issuance and use of Visa - Business Credit Card

No.	CATEGORIES	RATE OF FEE
1	Standard issue fee	Free of charge
1	Express issue fee	VND150.000
2	Annual fee
	2.1. At the first year	VND150.000
	2.2. From the second year onwards
	Total payment volume ≥ VND 80 mil. per year	Free of charge
	Total payment volume < VND 80 mil. per year	As item 2.1
3	Card re-issue fee (per request)	VND50.000
3	Express card re-issue fee	As item 1
4	PIN re-issue fee	VND50.000
5	Dispute investigation fee	VND80.000 for dispute transaction found genuine
6	Cash advance fee (per transaction)	3% of cash advance amount, minimum VND 60.000
7	Lost/stolen card fee	VND200.000
8	Statement retrieval fee
	Monthly statement	Free of charge
	Statement in three latest periods	Free of charge
	Statement over the above period	VND3.000 (each page), minimum VND10.000
9	Sales slip retrieval fee (each copy)
	At Eximbank merchant	VND20.000
	At other merchants	VND80.000
10	Balance certificate	VND50.000
11	Finance charge	1,90% per month
12	Late payment charge	3% of minimum amount due, minimum VND50.000
13	Over credit limit fee	15% per year of overlimit amount
14	Change credit limit fee (per request)	VND30.000
15	Others (if applicable)
	Currency conversion fee	3.0% of transaction amount
	Order of goods, services by email, fax, Internet	Free of charge
16	Bill payment fee
	Beneficiary account with Eximbank	Free of charge
	Beneficiary account out of Eximbank network	Applied Schedule of Fees for Individual Customers – Transaction on VND account
17	Change kind of security fee	VND50.000

VII. Schedule of fees for issuance and use of Eximbank-Teacher credit card

No.	CATEGORIES	RATE OF FEE
1	Standard issue fee	Free of charge
1	- Express issue fee	VND150.000
2	Annual fee	VND200.000
3	Card re-issue fee (per request)	VND50.000
3	- Express card re-issue fee	As item 1
4	PIN re-issue fee	VND50.000
5	Dispute investigation fee	VND80.000 for dispute transaction found genuine
6	Cash advance fee (per transaction)	3% of cash advance amount, minimum VND60.000
7	Lost/stolen card fee	VND200.000
8	Statement retrieval fee
	- Monthly statement	Free of charge
	- Statement in three latest periods	Free of charge
	- Statement over the above period	VND3.000 (each page), minimum VND10.000
9	Sales slip retrieval fee (each copy)
	- At Eximbank merchant	VND20.000
	- At other merchants	VND80.000
10	Balance certificate	VND50.000
11	Finance charge	1,90% per month
12	Late payment charge	3% of minimum amount due, minimum VND50.000
13	Over credit limit fee	15% per year of overlimit amount
14	Change credit limit fee (per request)	VND30.000
15	Others (if applicable)
	- Currency conversion fee	3.0% of transaction amount
	- Order of goods, services by email, fax, Internet	Free of charge
16	Bill payment fee
	- Beneficiary account with Eximbank	Free of charge
	- Beneficiary account out of Eximbank network	Applied Schedule of Fees for Individual Customers – Transaction on VND account
17	Change kind of security fee	VND50.000

Note:

All rates have included VAT.
- Express issue fee should be only applied at Main Transaction Office.
- Eximbank will convert all card transactions in foreign currency to VND at the exchange rate fixed from time to time by Eximbank and the International Credit Card Organizations.