TERMS AND CONDITIONS

OF 0% INTEREST INSTALLMENT PLAN PROGRAM AT SHB

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

2. Content:

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

2.2. The minimum transaction amount to be eligible for SHB 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. Installment early repayment fee: 2%/outstanding balance, minimum 200.000VND.

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

2.6. SHB 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.

2.7. Before applying for the 0% Interest Installment Plan of SHB (“SHB 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. SHB will not collect any conversion fee for transaction registered for 0% Interest Installment Plan.

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. SHB hotline: 1800.5888.56