Developing payment cards at Sacombank - Binh Thanh Branch

2. Sacombank's indicators in 2013 (source: 2012 Prospectus)

COMMERCIAL BANK WITH INFORMATION DEPARTMENT

So: É .. *../2013/QD-TTT

SOCIALIST REPUBLIC OF VIETNAM

Read the book — Author - Happiness

DECISION D ! NH

Viv issued the THANH TOAN Nal D ! A 4STUDENT GENERAL DIRECTOR OF SAIGON THUONG TIN COMMERCIAL JOINT STOCK BANK

Based on the Decision No. 006/NH-GP dated December 5, 1991 of the People's Committee of Ho Chi Minh City on approving the People's Committee of Ho Chi Minh City to organize the implementation of the project;

Pursuant to Decision No. 41/2'012/OO-HDOT dated 03/03/2012 of the Board of Directors on the appointment of the title of Chief Executive Officer of Saigon Thuong Tin Commercial Joint Stock Bank,

The Decree No. 601/2013/OD-PL8TT dated February 2, 2013 of the Ministry of Information and Communications on the division of labor and assignment of tasks to the Board of Directors,

The draft document No. 2/TT-KHCN-TTT-IIHOT dated April 4, 2013 of the Institute of Nuclear Medicine for the implementation of the project has been approved by the Steering Committee.

Can Bien Hop Hoi Don Xe Duyen San Pai 0!í Ihanp 08 year 20 f3 about the import of goods from the Irie "n" to the Ihe Thanh Lodn 4Sludeni,

DECISION ! NH:

Article 1. Now promulgate under this Decision NO . A 4STUDENT PAYMENT CARD PRODUCTS FLOOR. Article 2. This Decision takes effect since August 15, 2013.

Article 3. Deputy General Directors, Regional Directors, Center Directors, Directors/Directors

Director

CONVICTION

Nguyen Minh Tam

The Banking Department/Department/ Section , Director of Transaction Office , Branch/Regional Office Manager, and Transaction Office Manager are responsible for implementing this Decision.

IT label:

- Nhu' Dieu 3 "easy to be happy",

Why send:

- General Director of “rfJ” Ô/et“,

- TT/HDQT, Truong BKS "de" bao cao ,"

Late Autumn'.

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TOWN

NOI D ! A 4STUDENT

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1. Customer group: Students from high schools, colleges, universities, and academies

Universities or similar training models in Vietnam.

2 Types of Tea

The 4Student regular card is a 4Student payment card that does not accumulate student cards. The card only shows the card number, expiry date and customer name.

The 4Student card with student ID card (no image) is a card with the same content as a student card, printed with the school logo (single color) and without the cardholder image. If the school wants to issue this type of card, there will be no issuance fee.

4Student card integrated with student card (with printed photo) is a card integrated with student card, printed with school logo and card holder photo. In case, the issuer wants to issue this type of card, they will have to pay an issuance fee (the fee schedule will be announced in each period) and Transaction/Service/Cost.

Branch/ Transaction Office ! The Branch (CN) needs to make a report to the Board of Directors for review (this report needs to be consulted by the Regional Office and the Advisory Council).

Number: BM.VBLQ.06. Issued: 02 (07/2013)

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Student

3 Customer conditions

4 Card issuance form comparison

5 Habits

6 Types of Money

7 Fees

8 Driving frequency

9 Sunlight

The integration of the 4Student Card with the student cards of the schools only applies in cases where the schools request and implement the number of cards (minimum 1,000 cards for cards with printed notes, minimum 500 cards for cards without printed notes, cases where the number of cards is less must be submitted to the Board of Directors for approval), not applicable in cases of single orders.

According to the Regulations on issuance, payment and use of prepaid cards and debit cards of Sacombank No. 1171/2013/QD-TTT and/or amendments, supplements and replacements in the circular.

Service registration fees (according to Sacombank's code)

One (01) copy of the passport or birth certificate of the main and the secondary (if any)

Copy of Student ID/Student Card or Certificate of Enrollment

student (within 60 days of the net, the date of submission of application) 06 years

Vietnam Dong

According to Sacombank's fee schedule issued from time to time.

Deposits are entitled to interest according to the deposit interest rate framework issued by Sacombank in each period.

At Sacombank ATM:

• Look up account balance

• Look up the 5 most recent transactions

• Transfer money to Sacombank account/card

• Inter-company transfer

• Deposit money into Sacombank card/account at Sacombank ATM

• Payment by Sacombank credit card

• Using the service of Transfer money via Card - Mobile (Cardless) the Recipient can withdraw cash at ATM

ATM with Iogo Banknetvn/SmartIink/VNBC:

• Look up the full number

• Cash withdrawal

At POS (coffee machine point of sale) with Iogo Sacombank:

• Payment by card

Code: BM.VBLQ.06, Issued: 02 ', 07/2013)

THE THANH TOAN NOI ! A 4STUDENT

Code	DEBIT.01
BH lane	01 (August 15, 2013)
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		• Withdraw cash, check balance at Sacombank branches/transaction offices At POS with Iogo Banknetvn/SmartInk/VNBC: • -Pay by card Buy online at some websites. Website information is updated on Sacombank website www.sacombank.com.vn Use electronic banking services: internetBanking and mPlus (d ! ch SMSBanking.

	Implement according to the Business Process recorded in No. 1192/2013/QD-TTT and/or the amendments, supplements, and changes made during the period. In case of issuing 4Student card integrated with student card, CN will contact Business Department - Card Center (TTT) to implement, specifically as follows: • TTT offers CN talks with partners • TTT presents the draft and signs the issuance agreement with the partner. • After the economic contract is signed, the CN transfer center can continue to deploy. Net spending for CN.

	1	Name of the color Phigu service model issued under Decision No. 2916/2011/QD-KHCN-DN	Mg	Noi Luti
			BMTGCN-001	CN

STT	Document name			Code
1	Rules for the issuance, payment and use of debit and credit cards Sacombank headquarters			1171/2013/QD-TTT
2	Recorded business process			1192/2013/QD-TTT
3	Guide to issuing payment cards on the Portal program			4773/2012/QD-TTT

FOLLOW THE SESSION

Promulgate

The changing nature of the devil	Editor
Oil		Loc Hong Chanh

Code: BM.VBLQ.06, Issued: 02 (C'2/07/2013)

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PRAYER, THE GOD OF THE WORLD

Q & A

How much is the fee for issuing a leather envelope in case the branch/transaction office wants to print the customer's photo?
	There is no fixed release level and no fixed fee ! The release level for printed cases depends on the number of cards, color, difficulty of the logo, etc. When the branch/transaction office needs information to negotiate the price with the customer, they will contact the branch/transaction office support staff of the Center for consultation. bid at the requested time
2.	Are 4Student's partners required to be students?
	Bat Buoc Vi The has many incentives specifically for students and specialized customer segments. rhe middle school is student.
3.	State the partner's request to issue the Student Card and the required image. of the author, can it be released?
	To avoid confusion, she issued the card. However, to ensure the 4Student brand and to unify the card model, TTT only issues the Student Card on the basis of the card model. as stated above. Other cases require approval from the Board of Directors.
4.	How can you recognize student-specific benefits ?
	• ! The preferential matches reserved for students are shown on the back of the card when the card is issued. You can refer to some !points on this page. For more information, please visit www.sacombank.com.vn The website, Sacombank Plus section.

Code: BM.VBLQ.06, Issued: 02 07/2013)

ANNUAL FEE
Card type	Main article:	The wife
Platinum	999,000	899,000
Visa Gold/MasterCard Gold/JCB	399,000	299,000
Visa standard/MasterCard standard	299,000	199,000
Ladies First	299,000	199,000
Parkson Privilege	399,000	299,000
Car Card	399,000	299,000
Motor Card	299,000	199,000
Citimart	299,000	199,000
UnionPay	299,000	199,000
OTHER FEES
Cash withdrawal fee	4% (minimum 60,000)
Transfer fee at Sacombank ATM	4% (minimum 60,000)
ATM balance inquiry fee	Sacombank	Free
	Other	8,000
Transaction inquiry fee at Sacombank ATM	1,000
Monthly core	2.15%
Foreign transaction fees	Visa Platinum: 2.6% Visa & MasterCard Gold: 2.8% Other cards: 2.95%
PIN re-issue fee	50,000
Late payment fee	6% of late payment amount (minimum 80,000)
Over limit fee	0.075%/day (min 50,000)
Credit limit change fee	100,000
Card replacement fee	99,000
Lost card and replacement card fees	199,000
Card type change fee	200,000
False Claim Fee	100,000
Transaction invoice copy fee	100,000
Special service fee	100,000
Transaction notification copy fee	50,000
SMS transaction notification	7,000
Minimum payment	5% of the closing balance (minimum 100,000) plus overdue and over-credit amounts
Cash deposit fee at Sacombank ATM:
Card is being transacted at the ATM	Free
Other credit cards	2,000
Other cards/accounts	0.02% of transaction amount (min 5,000)

List of fees		Domestic	International
		Plus	Visa	Imperial	UnionPay
Issuance fee		99,000	Not applicable
Fee annual	Standard	66,000	149,000		99,000
	Gold card		249,000
	The Platinum			599,000
Cash withdrawal fee at ATM with logo:
Sacombank (Vietnam/Laos)		1,000	Free
Banknetvn/Smartlink/VNBC		3,000	Not applicable
Sacombank (Cambodia)		4% (minimum 60,000)
Visa/UnionPay (Vietnam)		Not applicable	10,000		4% (minimum) 60,000)
Visa/UnionPay (Foreign)		Not applicable	4% (minimum 60,000)
Cash withdrawal fee at POS with logo:
Sacombank		Free
Visa		Not applicable	4% (minimum 60,000)		Not applicable
Transfer fee within Sacombank system at ATM with logo:
Sacombank		2,000
Banknetvn/Smartlink/VNBC		3,000	Not applicable
Balance inquiry fee at ATM with logo:
Sacombank		Free
Banknetvn/Smartlink/VNBC		550	Not applicable
Visa/UnionPay		Not applicable	8,000
Transaction inquiry fee at ATM with logo:
Sacombank		550	1,000
Banknetvn/Smartlink/VNBC		880	Not applicable
Card replacement fee		49,000	99,000	199,000	49,000
Balance inquiry fee at POS with logo:
Banknetvn/Smartlink/VNBC		2,000	Not applicable
Fee for paying off credit card balance at Sacombank ATM		2,000
Foreign transaction fees		3% of transaction amount
Transaction invoice copy fee		80,000
PIN re-issue fee		20,000
False Claim Fee		80,000
Special service fee		100,000
Cash deposit fee at Sacombank ATM:
Card is being transacted at the ATM		Free
Credit card		2,000
Other Cards/Accounts		0.02% of transaction amount (min 5,000)
Fee for transferring money to other bank cards at Sacombank ATM		5,000
Service fee "Transfer money via card, receive by mobile"		10,000

PAYMENT CARD

List of fees	Lucky Gift	All For You	UnionPay	Vinamilk
Issuance fee	29,000	49,000	20,000
Annual fee	Not applicable			Free
Cash withdrawal fee at ATM with logo:
Sacombank (Vietnam/Laos)	Free
Banknetvn/Smartlink/VNBC	Not applicable			3,300
Sacombank (Cambodia)	3% (minimum 50,000)
Visa/UnionPay	3% (minimum 50,000)			Not applicable
Transfer fee at ATM with logo:
Sacombank	2,000
Banknetvn/Smartlink/VNBC	Not applicable			2,000
Cash withdrawal fee at POS with logo:
Sacombank	Free
Visa	3% (minimum 50,000)		Not applicable
Balance inquiry fee at ATM with logo:
Sacombank	Free
Banknetvn/Smartlink/VNBC	Not applicable			1,650
Visa / UnionPay	8,000			Not applicable
Transaction inquiry fee at ATM with logo:
Sacombank	1,000
Banknetvn/Smartlink/VNBC	Not applicable			1,650
Foreign transaction fees	1% of transaction amount			Not applicable
Transaction invoice copy fee	20,000			10,000
Card replacement fee	Not applicable			20,000
PIN re-issue fee	20,000			10,000
False Claim Fee	20,000
Special service fee	50,000			20,000
Balance Refund Fee	5% of balance (minimum 10,000)			10,000
Cash deposit fee at Sacombank ATM:
Card is being transacted at the ATM	Free
Credit card	2,000
Other Cards/Accounts	0.02% of transaction amount (min 5,000)
Fee for receiving money transfer from abroad, converted to VND, reported to card	0.045% (minimum 49,000, maximum 2,700,000)

PAY IN ADVANCE

The fee includes VAT.

INTERNATIONAL CREDIT CARD

Version 06/2013 Effective from 10/06/2013

Unit: VND

FAMILY CREDIT CARD

List of fees

Fees
Annual fee	200,000
Cash withdrawal fee/Transfer fee at ATM with logo:
Sacombank	Free
Banknetvn/Smartlink/VNBC	1% (minimum 10,000)
Cash withdrawal fee at Sacombank POS	Free
Monthly core	Rate: 1.92%	Credit: 2.5%
Overdue fee	0.075%/day (min 50,000)
Balance inquiry fee at ATM with logo:
Sacombank	Free
Banknetvn/Smartlink/VNBC	2,000
Transaction inquiry fee at ATM with logo:
Sacombank	1,000
Banknetvn/Smartlink/VNBC	2,000
PIN re-issue fee	50,000
Late payment fee	6% of late payment amount (minimum 80,000)
Credit limit change fee	100,000
Card replacement fee	99,000
Lost card and replacement card fees	199,000
False Claim Fee	100,000
Special service fee	100,000
Transaction notification copy fee	50,000
Transaction invoice copy fee	100,000
Minimum payment	3% of the closing balance (minimum 500,000) plus overdue and over-credit amounts
Cash deposit fee at Sacombank ATM:
Card is being transacted at the ATM	Free
Other credit cards	2,000
Other cards/accounts	0.02% of transaction amount (min 5,000)

Developing payment cards at Sacombank - Binh Thanh Branch - 8

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