Interest rate (% p.a.)

Effective date : 09/11/2009

Personal Accounts

Power Saver Account (Current Account)

Deposit Amount	Interest Rate (% p.a.)
Deposit Amount	VND
1,000 mil and above	1.00%
150 mil - < 1,000 mil	0.75%
2 mil - < 150 mil	0.50%
0 - < 2 mil	0.00%

Deposit Amount	Interest Rate (% p.a.)
Deposit Amount	USD	EUR	GBP	SGD	AUD
10,000 and above	0.00%	0.15%	0.05%	0.00%	1.25%
1,000 – 9,999	0.00%	0.10%	0.05%	0.00%	1.00%
100 – < 999	0.00%	0.05%	0.00%	0.00%	0.75%
0 – < 100	0.00%	0.00%	0.00%	0.00%	0.00%

E$aver Account (Current Account)

Current Type	Interest Rate(% p.a.)
VND	6.00%

Flexi Deposit Account (Savings Account)

Tenors	Interest Rate (% p.a.)
Tenors	VND	USD	EUR	GBP	SGD	AUD
Overnight	1.00%	0.04%	N.A.	N.A.	N.A.	N.A.
1 week	2.00%	0.14%	N.A.	N.A.	N.A.	N.A.
2 weeks	3.00%	0.14%	N.A.	N.A.	N.A.	N.A.
1 month	7.53%	0.20%	0.05%	0.03%	0.00%	3.32%
2 months	7.72%	0.51%	N.A.	N.A.	N.A.	N.A.
3 months	7.92%	0.54%	0.33%	0.13%	0.08%	3.61%
6 months	8.13%	0.81%	0.64%	0.36%	0.15%	4.18%
9 months	8.28%	0.78%	0.77%	0.54%	0.21%	4.71%
12 months	8.34%	0.91%	0.87%	0.55%	0.33%	5.20%
18 months	8.60%	N.A.	N.A.	N.A.	N.A.	N.A.
24 months	9.00%	N.A.	N.A.	N.A.	N.A.	N.A.
30 months	9.05%	N.A.	N.A.	N.A.	N.A.	N.A.
36 months	9.10%	N.A.	N.A.	N.A.	N.A.	N.A.
Odd day tenor	Negotiation	Negotiation	Negotiation	Negotiation	Negotiation	Negotiation

Advantage Deposit Account (Savings Account)

Tenors	Interest Rate (% p.a.)
Tenors	VND	USD	EUR	GBP	AUD
6 months	8.13%	0.81%	0.64%	0.36%	4.18%
9 months	8.28%	0.78%	0.77%	0.54%	4.71%
12 months	8.34%	0.91%	0.87%	0.55%	5.20%
18 months	8.60%	N.A.	N.A.	N.A.	N.A.
24 months	9.00%	N.A.	N.A.	N.A.	N.A.
30 months	9.05%	N.A.	N.A.	N.A.	N.A.
36 months	9.10%	N.A.	N.A.	N.A.	N.A.

Note
* All above interest rates are subject to change from time to time without prior notice.
** Other Terms & Conditions of Personal Account apply.

Flexi Deposit Account (Interest Rate Apply)

The below interest rates are ONLY applied for odd day tenors. Odd days are referred for days such as: 27days, 25 days, 33days, 37days, 39days, etc.

Tenors	Interest Rate Apply
2- 6 days	O/N rate (VND & USD only)
8- 13 days	1W rate (VND & USD only)
15 days -< 1M	2W rate (VND & USD only)
>1M - < 2M	1M rate
>2M - < 3M	2M rate (VND & USD only) 1M rate (EUR & GBP only)
>3M - < 6M	3M rate
>6M - < 9M	6M rate
>9M - < 12M	9M rate
>12M - < 18M	12M rate
>18M - < 24M	18M rate (VND only)
>24M - <30M	24M rate (VND only)
>30M - <36M	30M rate (VND only)
> 36M	36M rate (VND only)
Pre withdrawal rate	Normal Pre withdrawal rate

Note
* All above interest rates are subject to change from time to time without prior notice.
** Other Terms & Conditions of Personal Account apply.