PROMISSORY NOTE

-         Vietcombank issues promissory note on the basis of its short-term fund demand for certain period.

-         Buying Vietcombank promissory note is a safe investment with high interest rate.

-         Nominated promissory note can be transferred in the forms of buying, selling, giving as present, inheriting.

-         Bearer promissory note can be changed to nominated ones.

-         Promissory note can be used as collateral for borrowing fund or discount at Vietcombank or other Credit Institutions (if accepted).

-         Vietcombank assure the safety and security of promissory notes.

Introduction

-         Subject: all individuals who are residents in accordance with current regulations of the Government.

-         Currency: VND and foreign currencies announced by Vietcombank periodically.

-         Forms: cash, traveller check, transfer

-         Denomination: min. VND 500.000; USD 100 (or equivalent in other currencies).

-         Kinds: Nominated and Bearer

-         Time: up to 1 year

-         Interest payment:

+ Post payment: pay once at the time of note settlement

+ Pre-payment: pay once at the time of note issuance; interest on the note is the difference between denomination and selling value.

+ Periodical payment:

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Instruction:

-         Nominated promissory note: name of the holder is that of the buyer. When buying nominated note, you have to sign sample signatures at Vietcombank.

-         For post interest payment: if you do not come for payment when the note comes due and you have no other request, Vietcombank shall automatically transfer both principal and interest into a specific account and this amount shall be offered demand interest rate.

-         For periodical interest payment: if you do not come for payment when the note comes due and you have no other request, Vietcombank shall transfer the amount to a specific account and keep there for you (this amount shall not be paid interest).

-         Notes which are revised or overwritten shall not be paid. Bearer notes if are lost shall not be paid by Vietcombank and the Bank shall excused from any claims related. If nominated notes are lost, note holders must submit to the issuing Bank a Loss Notice providing sufficient information and acknowledgement of local authorities or employer…

-         In case person who is named on the note dies, misses or losses his civil behaviour capability, Vietcombank shall make payment to his inherited persons under the will or the Law.

For more information, please contact the nearest office of our Vietcombank.

Contact Address:

-         Saving Account Department

198 Tran Quang Khai, Hoan Kiem, Hanoi

        Tel: 8248 921 – 9343137 (0123 - 0126)

-         Accounting Department of Vietcombank Branch

or

-         Sub-branches of Vietcombank network

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