Eximbank

Effective as from December 11, 2008 at 1 P.M

Gold Deposit Interest Rates: (% per annum)

	Interest paid upfront	Interest monthly paid	Interest quarterly paid	Interest paid per 6 months	Interest annually paid	Interest paid at term end
1 month	0.97					1.00
2 month	1.17	1.19				1.20
3 month	1.47	1.49				1.50
4 month	1.77	1.78				1.80
5 month	1.96	1.98				2.00
6 month	2.76	2.78	2.78			2.80
7 month	2.76	2.78				2.80
8 month	2.75	2.78				2.80
9 month	2.93	2.98	2.98			3.00
10 month	2.93	2.98				3.00
11 month	2.92	2.98				3.00
12 month	2.91	2.96	2.97	2.98		3.00
18 month	2.41	2.46	2.47	2.48		2.50
24 month	2.47	2.56	2.57	2.58	2.59	2.60
36 month	2.58	2.76	2.77	2.78	2.79	2.80
60 month	2.76	3.16	3.17	3.18	3.19	3.20

(Interest rate per month is calculated on 30 days basis; interest rate per year is calculated on 360 days basis.)

(Interest rate may vary at some EXIMBANK branches)

REGULATIONS:

1. Regulations on early gold deposit withdrawal:
- When having the demand to withdraw deposit before maturity date, customers must notify Eximbank within business days and will not be entitled to any interest.
- For deposits receiving interest in advance, or periodically (monthly, quarterly, yearly), if customers wish to withdraw funds which are unmatured, they will have to return the interest received.
2. Mobilized gold is “SJC golden dragon 9999” gold bar.
3. Payment is made in gold bar. For interest of gold deposit which is smaller than 1/10 tael, Eximbank will pay in VND with corresponding amount to the gold price at the time of interest payment.
4. On maturity date, if customer do not come for fund withdrawal and interest receipt, Eximbank will automatically add the interest into the principal and renew the term. 5. Timed deposit made before this notice will still be entitled to the interest rate written on the savings book and gold deposit certificate until maturity date.