REFER LOAN CUSTOMERS – RECEIVE ATTRACTIVE APPRECIATION GIFTS WITH VRB

To provide additional benefits to existing customers, VRB is launching the “Customer Referral” programme to encourage its individual customers to refer family members and friends to borrow from the Bank. Referrers have the opportunity to receive attractive appreciation gifts when a loan is successfully disbursed to the referred customer in accordance with the programme’s terms and conditions.

1/ Programme benefits

Eligible participants: Existing individual customers of VRB.

Programme period: From 19 October 2026 to 31 December 2026, inclusive.

Eligible products

a) Medium- and long-term loans under the following products:

• Home loans: Purchase of houses/residential land; home construction, renovation or repair; purchase of future homes or land plots within development projects.

• Car loans: Purchase of vehicles for personal or business use.

• Consumer loans secured by real estate: Shopping, education, travel, medical treatment, weddings, vehicle repairs, payment of fees/taxes, etc.

• Business loans: Additional working capital, inventory purchases, investment, business expansion, etc.

b) Unsecured consumer loans processed through the rLOS system.

Gift policy

Referrers will receive cash gifts transferred to their payment accounts opened at VRB upon meeting the programme’s conditions:

Conditions	Gift value
VRB successfully disburses a medium- or long-term home loan, car loan, business loan or consumer loan secured by real estate of VND 500 million or more to the referred customer.	VND 2 million per referred customer
VRB successfully disburses an unsecured consumer loan processed through the rLOS system of VND 100 million or more to the referred customer.	VND 1 million per referred customer

Notes:

• Each referrer may receive rewards multiple times during the programme period.

• Gift values include personal income tax, if applicable.

2/ Simple ways to refer customers and receive gifts with VRB

Using the phone number registered with VRB, the referrer sends a message in the following format:

[Area code] [Referred customer’s phone number]

Send to 8037.

Notes:

• Separate the area code and phone number with a space.

• Select the area code corresponding to where the referred customer lives, as shown below:

Referred customer’s place of residence	Area code
Hanoi	HN
Ho Chi Minh City	HCM
Khanh Hoa	KH
Da Nang	DN
Hai Phong	HP
Vung Tau (former administrative area)	VT
Lang Son	LS

Example: Your family member lives in Vung Tau (former administrative area) and has the phone number 0913456789. To refer this person to borrow from VRB, compose the following message:

VT 0913456789

Send to 8037.

After sending the message, the referrer will receive a corresponding SMS response. If any information is missing or incorrect, please correct it according to the instructions in the Bank’s response.

3/ Important notes

• After the referrer submits the information, a VRB adviser will contact the referred customer to verify their borrowing needs, provide product advice and guide them through the required documents. Loan assessment, approval and disbursement are subject to VRB’s regulations.

• By providing the information, the referrer confirms that the referred customer has consented to their information being shared and is willing to receive advice on products and services from a VRB adviser.

• Referrers should use only one of the two referral channels above to minimise duplicate submissions.

With a product range covering diverse borrowing needs and preferential interest rates, VRB is committed to simple loan procedures and fast approval to meet customers’ needs.

For assistance or advice, please contact your nearest Branch/Transaction Office or call our toll-free Hotline at 1800 6656.

VRB is pleased to serve you!