TERMS AND CONDITIONS

OF 0% INTEREST INSTALLMENT PLAN PROGRAM AT MSB

1. MSB 0% Interest Installment Plan is applicable to individual clients whose VISA, MASTERCARD credit cards are issued by MSB.

2. Content:

2.1. The 0% Interest Installment Plan is only applied for transactions made by MSB Credit Cards at specific outlets of affiliated partners. Different available selection of Installment Tenors (3, 6, 9 or 12 months) are updated in MSB Website for different Merchants.

2.2. The minimum transaction amount to be eligible for MSB 0% Interest Installment Plan is VND 3,000,000 (Three million VND).

2.3. The 0% Interest Installment Plan transaction cannot be reversed in any circumstance and any request to cancel the Installment plan after Cardholder applies shall not be processed.

2.4. This program is not applicable with other discounts, vouchers or promotions.

2.5. MSB reserves the right to decline any ineligible application of the 0% Interest Installment Plan with no responsibility of all credit card outstanding amount arising from the refused transaction.

2.6. Management fee for installment transaction will be collected by MSB once upon successful registration of installment transaction. This fee depends on the MSB's policy from time to time:

Installment timeline (months)	Management fee (%/total amount)
3	1%
6	1%
9	3%
12	3%

2.7. Before applying for the 0% Interest Installment Plan of MSB (“MSB 0% Interest Installment Plan”), please read the 0% Interest Installment Plan Terms and Conditions carefully. By applying the 0% Interest Installment Plan, you have accepted the terms and conditions set out below and shall be bound by them.

3. Transaction will be automatically converted to Installment Plan after successfully paid.

4. For more information, please contact:

4.1. OnePay hotline: 1900 633 927 (from 8:30 AM to 6:30 PM) or email support@onepay.vn

4.2. MSB hotline: 1800 59 9999 (free) or (84.24) 3944 5566