Eximbank

USD SAVINGS DEPOSIT INTEREST RATES

Currency: USD (% per annum)

Effective as from May 13, 2010

1. INTEREST RATES FOR “SAVINGS DEPOSIT WITH OPTIONAL TERM FOR INTEREST RECEIPT” – 36-MONTH TERM

Balance remained until interest payment term	1 Month	2 Months	3 Months	6 Months	12 Months
Below USD5,000	3,40	3,60	3,90	4,15	4,20
USD5,000 to below USD20,000	3,50	3,70	4,00	4,25	4,30
USD20,000 to below USD50,000	3,53	3,73	4,03	4,28	4,33
USD50,000 to below USD150,000	3,55	3,75	4,05	4,30	4,35
USD150,000 to below USD300,000	3,58	3,78	4,08	4,33	4,38
USD 300,000 or above	3,60	3,80	4,10	4,35	4,40

- Customers, aged from 50 and above and choosing the product “Savings Deposit with Optional Term for Interest Receipt”, are entitled to a bonus interest rate of 0,2% per annum if the selected term for withdrawal of principal and interest and interest revision is 6 months or 12 months.

2. INTEREST RATES FOR REGULAR INDIVIDUAL DEPOSITS AND SAVINGS DEPOSITS

Interest payment method	Monthly	Quarterly	Annually	Term-end
Demand				0,50
1 week				0,70
2 weeks				1,00
3 weeks				1,50
1 month				3,30
2 months	3,30			3,50
3 months	3,60			3,80
4 months	3,65			3,85
5 months	3,70			3,90
6 months	3,85	3,95		4,05
7 months	3,85			4,05
8 months	3,85			4,05
9 months	3,85	3,95		4,05
10 months	3,85			4,05
11 months	3,85			4,05
12 months	3,90	4,00		4,10
18 months	3,30	3,40		3,50
24 months	3,30	3,40	3,45	3,50
36 months	3,30	3,40	3,45	3,50
60 months	3,30	3,40	3,45	3,50

- Customers, maintaining the principal balance of USD5,000 and more to maturity, with terms from 1 week upwards, will enjoy tiered bonus interest rate applicable to term deposits.

- Customers, aged from 50 and above and making regular USD deposits or saving deposits with terms of from 6 months upwards, will enjoy a bonus interest rate of 0,2% per annum.

3. INTEREST RATES FOR USD FLEXIBLE SAVINGS DEPOSITS

Term	1 Month	2 Months	3 Months	4 Months	5 Months	6 Months	7 Months	8 Months
Rate	3,10	3,30	3,60	3,65	3,70	3,85	3,85	3,85

Term	9 Months	10 Months	11 Months	12 Months	18 Months	24 Months	36 Months	60 Months
Rate	3,85	3,85	3,85	3,90	3,30	3,30	3,30	3,30

4. TIERED BONUS INTEREST RATES ON USD BALANCE ACCUMULATION

Deposit amount for each deposit account	Bonus interest rate (% per annum)
USD5,000 to below USD20,000	0,10
USD20,000 to below USD50,000	0,13
USD50,000 to below USD150,000	0,15
USD150,000 to below USD300,000	0,18
USD300,000 or above	0,20

5. INTEREST RATES FOR MIXED SAVINGS DEPOSITS

Term	1 month	2 months	3 months	6 months	9 months	12 months
Rate	0,5	0,6	0,8	1,0	1,3	1,5

The interest rates to which customers are entitled to are automatically adjusted in accordance with those applicable for the product announced by Eximbank from time to time.

6. REGULATIONS:

a. Regulations on interest rates for early withdrawal (before the interest payment term):
Upon making early finalization of term deposits and savings deposits, or early withdrawal of “ Flexible Savings”, or withdrawal before the interest payment term for “Savings Deposit with Optional Term for Interest Receipt”, customers are entitled to interest rates for early withdrawal (before the interest payment term) for the withdrawn amounts as follows:

Actual deposit time (t)		Interest rate for early withdrawal
t ≥ 1 month	Number of actual deposit days ≥ 50% of the term (interest payment term)	80% of the interest rate written on the book
	Number of actual deposit days < 50% of the term (interest payment term)	50% of the interest rate written on the book
t < 1 month		0,5% per annumx

If interest rate for early withdrawal (before interest payment term) ≤ 0,5% per annum: customers shall enjoy an interest rate of 0,5% per annum.
In respect of “Savings Deposit with Optional Term for Interest Receipt”: the number of actual deposit days is calculated as from the first day of the interest payment term to the withdrawal time.

b. Regulations on fund withdrawal
In case of “Savings deposit with Optional Term for Interest Receipt”
- When in need of early withdrawal before interest payment term, customers can withdraw part of the principal providing that they ensure a minimum balance of USD50; or finalize their saving books or deposit accounts.
- In case of withdrawal, customers do not need to reimburse the interests received in the previous terms, and still enjoy interest for the principal withdrawn before interest payment term.

In case of term regular individual deposit and savings deposit
- When in need of early withdrawal, customers must finalize all deposit balance on their accounts.
- For personal deposits/savings deposits with interests paid upfront or periodically (monthly, quarterly, annually): In case of early withdrawal, customers must reimburse the received interest variance (if any).

In case of “Flexible Savings”
- When in need of early withdrawal, customers can withdraw part of the principal providing that they ensure a minimum balance of USD50; or finalize their accounts.

In case of “Mixed Savings Deposit”
- Customers can deposit or withdraw their mixed savings deposits for many times providing that they ensure a minimum balance of USD50.
- When in need of early finalizing their saving books or deposit accounts, customers shall enjoy demand interest rate for the whole deposit balance.

c. Interest rates of % per annum are calculated on a 360-day basis.
Decimal places of number is based on Vietnamese types: 1.000,00.

CAUTION:

This fee schedule is for reference only. For details about interest rates and products and services, please contact the nearest branch/transaction office of Eximbank
or Call-Center: (84-8) 3.9151515 or 1900 545474.