TERMS AND CONDITIONS

OF 0% INTEREST INSTALLMENT PLAN PROGRAM AT SHINHAN BANK

1. Shinhan 0% Interest Installment Plan is only opened to cardholder of VISA Consumer Credit Card issued by Shinhan Bank Vietnam Limited (“Shinhan”).

2. Content:

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

2.2. The minimum transaction amount to be eligible for Shinhan 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. Shinhan Bank Vietnam 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. Before applying for the 0% Interest Installment Plan of Shinhan Bank Vietnam Limited (“Shinhan 0% Interest Installment Plan”), please read the 0% Interest Installment Plan Terms and Conditions carefully here. 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. Shinhan 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. Shinhan Bank hotline: 1900 1577