1) Business account:

a. Regular payment account:

Vietcombank's regular payment account helps businesses track and manage daily
funds quickly, safely and accurately at the lowest cost.

+Benefit:

-Account opening procedures and transaction methods are simple

-You can open an account in VND or foreign currency
-Money on the business account will be safe and secure
-Deposit and withdraw money easily and conveniently at all Vietcombank branches
-Make instant transfer in Vietcombank system
-Use diverse payment services conveniently and at the lowest cost through
Vietcombank's extensive network of branches and agent banks
-Use modern electronic banking services: VCB-Money, Internet Banking
-Providing special support such as: Automatic investment, centralized capital
management.

b. Special account:

Vietcombank's special account types, with full technical and professional support,
will help businesses control detailed daily budget issues in the most effective way.

+Special account types:

-Collection account
-Specialized account
-Automatic investment account
-Direct investment capital account
-Indirect investment capital account
-Overseas investment capital account
-Loan accounts, foreign debt recovery
-Joint account account

c. Term deposit account:

To meet the need for effective investment of idle capital of businesses in a certain
period of time, Vietcombank provides diverse and flexible deposit products with
attractive interest rates corresponding to suitable deposit terms. consistent with the
enterprise's capital use plan.

+Benefit:

-Using the service is simple

-Safe, accurate, absolutely confidential
-Diverse deposit terms consistent with the business's capital use plan
-Money can be withdrawn at Vietcombank branches nationwide
-Ensuring your business's investment brings high efficiency.
d. Account receives interest periodically:

The product "Term deposit with periodic interest payment" has high flexibility,
customers can choose the cycle of receiving interest as well as the method of
receiving interest.

+Benefit:

-Flexible interest cycle: monthly or quarterly depending on needs

-Flexible method of receiving interest: Interest is automatically transferred to the
customer's deposit account opened at Vietcombank or received in cash at the counter
-Long-term deposits but still meet short-term spending needs or financial
arrangements.

e. Special deposit account:

Vietcombank provides products specifically designed according to the needs and

capital use plans of businesses such as odd term deposit products, stepped interest rate
deposit products, deposit products with the option to withdraw before maturity. with
competitive interest rates.

+Benefit:

-Many term options with attractive interest rates;

-Increase income by balance;
-Make the most of profitability from idle money;
-Odd terms and early withdrawal options create maximum flexibility for businesses.

2) Assurance:

a. FWD Triple Protection - Enterprise:

The FWD Triple Security - Enterprise product is designed with the mission of
providing a practical solution to help employees feel more secure in their dedication.

+Benefits for Businesses:

-Increase special benefits for employees at a reasonable cost

-Strengthen employee engagement and dedication to the organization
-Increase the reputation of the business among employees
-Contribute to building a strong human resources team for the development of the
Enterprise

+Benefits for Employees:

-Be protected against the 3 most common serious diseases: Cancer, Stroke or
Myocardial Infarction.
-The family received financial support in a difficult situation
-Work with peace of mind and contribute to the Enterprise
+Outstanding features of the FWD Triple Protection product - Enterprise:

-Protection solution against 3 common critical diseases with 100% Sum Assured:
Financial support of 100% of the Insurance amount as soon as the Insured Person is
diagnosed with Cancer at any stage, Stroke or Myocardial Infarction.

-Maximum protection up to 80 years old:

Providing customers with practical protection at the ages most at risk of serious
illness.

-Insurance premiums are suitable for many ages:

Insurance fees start from only a few hundred thousand VND/year.

-The participation process is simple and completely online:

The entire process is done online with just 1 sentence confirming health status and no
health check required.

b. FWD Welcoming change 3.0:

For sustainable development in modern society, corporate culture becomes a key

factor for each company. With a leading role, business owners certainly always want
to build an effective working environment with a cohesive team of employees.
Let's start by building trust with FWD products Embracing change 3.0 - For
Corporate Customers, solutions to help employees feel the special care of the
Enterprise, to work together towards development sustainable and prosperous
business.

+Benefits for Businesses:

-Increase special benefits for employees at a reasonable cost.

-Flexibly choose insurance packages that suit the needs of the Enterprise to plan
welfare policies at different levels.
-Strengthen employee engagement and dedication to the organization.
-Increase the reputation of the Enterprise among employees.
-Contribute to building a strong human resources team for the development of the
Enterprise.

+Benefits for Employees:

-Protection up to age 80 against the risk of later-stage cancer with benefits to support
treatment costs - without worrying about becoming a burden to loved ones.
-Ensuring financial resources for the family against the risk of Total and Permanent
Disability up to 200% of the Sum Insured.
-Enjoy safe, stable investment interest from the Universal Life Fund and not lower
than the guaranteed interest rate.
-Pay fees according to your financial ability and flexibly withdraw money online 24/7
when needed.
-Flexible privilege of choosing 1 of 3 special insurance packages with a simple
appraisal process with just 3 health questions.
3) Payment and currency management:
A. Manage accounts payable:

a. Payment by order

b. Scheduled payments

c. Bulk payments

d. Cash payment at customer location

e. Check payment

f. Submitting national budget

B. Manage accounts receivable:

a. Cash

b. Collect through payment channels

c. Automatic debit

d. Payment and collection of checks

C. Liquidity management:

a. Centralized capital management:

Centralized capital management is a service that supports large-scale businesses in

controlling the capital of each member unit.

b. Automatic investment:

Vietcombank helps businesses automatically invest in two forms:

-Corresponding to each different account balance at the end of the day, businesses
receive a different interest rate; Higher balances will enjoy higher interest rates.
-In case the balance at the end of the day exceeds an agreed level (ceiling), the excess
amount will be transferred to the investment account automatically to enjoy a higher
interest rate.
-To ensure solvency, businesses can agree to transfer money from the investment
account automatically to the current deposit account when the end-of-day balance on
the current deposit account is lower than an agreed level. (floor level).

D. Business card:

a. Business debit card:

Using a debit card, corporate officials can spend the available balance on the account
opened at Vietcombank. Debit cards include domestic cards branded Connect24 and
international cards branded Visa and MasterCard.

b. Business credit card:

Individuals using a credit card can spend first and pay later within the credit limit
granted by Vietcombank. Credit cards issued by Vietcombank include the 3 most
prestigious international card brands (American Express, Visa, MasterCard).

4) Business credit:

A. Short-term liability:

This is a form of credit with a maximum term of 12 months, in which Vietcombank

meets the loan needs associated with the loan purpose and specific business plan.

+Feature of product:

-Each time there is a need to withdraw capital, the business will have to prepare a set
of loan documents.
-Total disbursed amount ≤ Loan amount committed in the contract.

+Benefit:

-Flexible terms from 1 to 12 months;

-Diverse loan currencies: VND, USD or other foreign currencies;
-Suitable for businesses with irregular capital needs, or seasonal loans.

B. Working capital financing:

a. Short-term credit limit:

This is a form of credit granting in which businesses have the right to withdraw
according to the granted credit limit for a certain period of time (maximum no more
than 12 months).

b. Overdraft:

This is a form of credit in which Vietcombank allows businesses to spend more than
the amount on their payment account.

C. Project sponsorship:

a. Loans for already invested projects

b. Loans for new projects

D. Financial leasing service:

In addition to conventional forms of lending and capital financing, businesses can also
receive capital support through financial leasing services. This service is provided by
a company operating professionally in the field of financial leasing: Vietnam Joint
Stock Commercial Bank for Foreign Trade (VCBL) Financial Leasing Company.
Financial leasing service is a form of credit financing for businesses through leasing
machinery, equipment, means of transportation and other real estate. Businesses can
use the property and pay the rent gradually throughout the period agreed upon in the
lease contract.

5) Foreign exchange and capital markets:

A. Forex:

a. Spot Trade:

Spot foreign exchange transaction is a transaction in which a business and

Vietcombank buy or sell an amount of foreign currency at the spot exchange rate at
the time of transaction and pay on the same day or within the next two (2) working
days. according to.

b. Outright Forward

When businesses want to prevent exchange rate fluctuations, they can use forward
exchange products.

A forward exchange transaction is a transaction in which a business and Vietcombank

agree to buy or sell a certain amount of foreign currency, in which the exchange rate
is fixed at the time of agreement, the delivery/receipt date is a determined date.
determined in the future (but not later than 365 days from the date of agreement).

B. Foreign exchange derivative products:

a. Foreign currency exchange:

A foreign currency swap transaction is a transaction in which a business conducts two

transactions simultaneously, a spot transaction to buy (or sell) an amount of foreign
currency and a forward transaction to sell (or buy) the same amount of foreign
currency. bad in the future. The transaction exchange rate, amount of foreign currency
traded and payment term are determined at the time of signing the contract.

b. Foreign currency options:

This is a transaction between the right buyer (enterprise) and the right seller
(Vietcombank), in which the right buyer has the right but not the obligation to buy or
sell a certain amount of foreign currency at a specified exchange rate within a certain
period of time. pre-agreed period of time. If the right buyer exercises its option, the
right seller has the obligation to sell or buy the amount of foreign currency in the
contract at the pre-agreed exchange rate.

c. Forex future trading:

Future foreign exchange transactions are transactions of buying/selling foreign
currencies at the exchange rate determined on the transaction date and payment will
be made at an agreed time in the future.

C. Interest rate derivative products:

a. Interest rate swap:

An interest rate swap is a contract in which each party commits to pay the other party
interest calculated at a floating or fixed interest rate calculated on the same nominal
amount, over the same period of time. . Accordingly, businesses can swap the fixed
interest rate they are paying for a floating interest rate from Vietcombank or vice
versa.

b. Interest rate options:

Interest rate option contract in which the buyer of the right pays the seller of the right
a fee in exchange for an option on the interest rate. The buyer has the right but not the
obligation to exercise that option, while the seller is required to exercise that
obligation if the buyer so wishes.

D. Monetary products:

a. Buy and sell short-term valuable papers:

This is a transaction in which a business buys or sells short-term valuable papers with
Vietcombank at an agreed price between the two parties. Short-term valuable papers
include: promissory notes, certificates of deposit and other short-term valuable papers
(with a remaining maturity of less than 1 year).

b. Temporarily buy and sell short-term valuable papers:

Vietcombank provides businesses with two types of temporary trading of short-term

valuable papers as follows:

1. Transactions of selling and repurchasing short-term valuable papers

2. Transactions of buying and reselling short-term valuable papers

E. Bond trading:

a. Bond buying and selling transactions

b. Bond term purchase transaction

F. Investment trust:

a. Associate Certificate:
This is a type of debt certificate issued by Vietcombank. Accordingly, as a certificate
investor, the enterprise will receive interest from the certificate with risks and
profitability depending on the assets attached to the certificate.

b. Portfolio management:

Vietcombank receives entrusted capital from businesses to invest as required. Terms

such as profitability level, risk level, management fee... are agreed between the
enterprise and Vietcombank on the basis of the Investment Entrustment Contract
signed between the two parties.

6) Investment:

A. Stock:

a. Broker:

With the principles of fairness, honesty and dedication, VCBS provides brokerage
services to all domestic and foreign institutional customers through diverse,
convenient transaction forms, with speedy order processing. Fast, accurate and safe.

VCBS is the first unit to provide the service of placing orders to buy and sell
securities via the Internet with the VCBS Cyber Investor utility. With technological
and human resources foundations, for many consecutive years, VCBS has been one of
the units with the largest brokerage market share, with a large customer network
including foreign financial institutions and foreign companies. domestic banks and
corporations.

b. Investment consulting:

With the motto "Customer is the focus", VCBS understands and always strives to
meet the needs of updating information and serving business investment decisions.

VCBS provides businesses with diverse information including periodic market

analysis, in-depth reports on industries and companies, and advice on trading
strategies and techniques.

c. Depository:

Based on modern technology, VCBS has built a safe and convenient shareholder book
management program, allowing management of a large number of companies and
shareholders, effectively supporting investor activities.

VCBS's reputation has been affirmed through shareholder book management

contracts for public companies with a number of shareholders up to tens of thousands
of people.

VCBS also focuses on human resources factors to build a professional and reliable
custody team for the benefit of customers.
B. Investment Banking:

a. Consulting on business transformation

b. Business Finance

c. Listing consulting

d. Mergers and acquisitions

e. Underwriters and securities issuance agents

f. Appraisal and valuation of businesses