Eximbank

Effective as December 19th, 2008 at 8h30' A.M

Vietnamese Dong Deposit Interest Rate

	Interest paid upfront	Interest monthly paid	Interest quarterly paid	Interest annually paid	Interest paid at term end (%/month)	Interest paid at term end (% per annum)
Demand Deposit					0.250	3.000
1 week					0.417	5.004
2 week					0.458	5.496
3 week					0.500	6.000
1 month	0.621				0.625	7.500
2 month	0.625	0.628			0.633	7.596
3 month	0.630	0.632			0.642	7.704
4 month	0.630	0.636			0.646	7.752
5 month	0.628	0.638			0.648	7.776
6 month	0.626	0.640	0.645		0.650	7.800
7 month	0.625	0.629			0.654	7.848
8 month	0.623	0.631			0.656	7.872
9 month	0.621	0.623	0.648		0.658	7.896
10 month	0.625	0.632			0.667	8.004
11 month	0.625	0.636			0.671	8.052
12 month	0.624	0.640	0.665		0.675	8.100
13 month	0.614	0.640			0.675	8.100
15 month	0.571	0.590	0.615		0.625	7.500
18 month	0.562	0.590	0.615		0.625	7.500
24 month	0.543	0.590	0.615	0.620	0.625	7.500
25 month	0.541	0.590			0.625	7.500
36 month	0.510	0.590	0.615	0.620	0.625	7.500
60 month	0.455	0.590	0.615	0.620	0.625	7.500

(Interest rate may vary at some EXIMBANK branches)

INTEREST RATE FOR TIMED VND DEPOSIT BASED ON VND BALANCE ACCUMULATION

Accumulated interest = Savings and individual deposit interest rate + Bonus Interest rate (in VND with corresponding term)

Amount for each deposit	Bonus interest rate
	(%/month)	(%/year)
From VND100 million to below VND 500 million	0.004	0.048
From VND500 millon to below VND2 billion	0.008	0.096
From VND2 billion to below VND5 billion	0.012	0.144
From VND 5 billion to below 10 billion	0.014	0.168
From VND 10 billion upward	0.017	0.204

REGULATIONS:

1. Regulations on withdrawal of timed savings deposit and individual deposit before maturity:
- When having demand for savings deposit/individual deposit withdrawal before maturity, customers must inform Eximbank within business days.
- Eximbank’s interest rate for savings deposit/individual deposit withdrawal before maturity:

Actual time of the deposit < than 01 month: customers are entitled to demand interest.
In case the actual time of the deposit is ≥ 01 month, customers are entitled to withdrawal interest rate before maturity as follows:

Actual deposit time < 1/3 of the term written on the book: Apply withdrawal interest rate as high as 40% of the interest rate written on the book.
Actual deposit time ≥ 1/3 and < 1/2 of the term written on the book: Apply withdrawal interest rate as high as 60% of the interest rate written on the book.
Actual deposit time ≥ 1/2 and < 3/4 the term written on the book: Apply withdrawal interest rate as high as 80% of the written interest rate on the book.
In case the actual deposit time ≥ 3/4 of the term written on the book: Apply withdrawal interest rate as high as 90% of the interest rate writtten on the book.

In case early withdrawal interest rate ≤ demand interest rate: demand interest rate shall prevail.
- For deposits receiving interest in advance or periodically (monthly, quarterly, yearly), if customers wish to withdraw funds which are unmatured, they will receive demand interest rate and return the difference received (if any) to the Bank.

2. Timed deposit made before this notice will still be entitled to the interest rate written on the card, savings book and deposit book or as agreed until maturity date.