VIETCOMBANK

BANKING SERVICE CHARGES
*( issued in conjunction with Decision Number 20/QD-NHNT.HDQT dated July 22nd, 2006 effective from August 21st, 2006)*

				VND Account	Forex Account
I			TRANSACTION ON CURRENT ACCOUNTS
	1		Account opening	Free	Free
	2		Standard account management	Free	Free
	3		Jointly owned account management	VND 150,000 p.a.	USD 10 p.a.
	4		Account statement
		4.1	Periodically upon agreement	Free	Free
		4.2	Upon request (for the last 6 months to the date of request)	VND 10,000/time	USD 1/time
	5		Verification of account balance upon request
		5.1	First 5 copies	VND 50,000
		5.2	Subsequent copies	VND 5,000/each
	6		Verification of account balance and freezing of account (or freezing of account only)	VND 75,000 /time	USD 5/time
	7		Account closing (within 1 year since the date of opening)	VND 20,000 /time	USD 2/time
	8		Cash deposit of foreign currency into VND account	Free
	9		Cash deposit of VND into VND account
		9.1	Same city (province)	Free
		9.2	Different city (province)	0.03%
				Min VND 20,000
				Max VND 1,000,000
	10		Cash deposit into foreign currency account
		10	Same city/province
			- In USD
			+ For denominations of USD 50 to 100		0.2% . Min USD2
			+ For denominations of USD 10 to 20		0.3%. Min USD 2
			+ For denominations of USD 1 to 5		0.5%. Min USD 5
			- In other foreign currencies		0.3%. Min USD 3
		10	Different city/province
			- In USD
			+ For denominations of USD 50 to 100		0.25%. Min USD 2
			+ For denominations of USD 10 to 20		0.35%. Min USD 2
			+ For denominations of USD 1 to 5		0.55%. Min USD 5
			- In other foreign currencies :		0.35%. Min USD 5
	11		Cash withdrawals
		11	In VND
			11.1.1 Within 5 days since the date of depositing into VND account (collection fee)	0.03%
				Min VND 20,000
				Max VND 1,000,000
			11.1.2 Other cases	Free
		11	In foreign currencies
			11.2.1 After 10 days since the credit date for inward remittance		Free
					Free
			11.2.2 Other cases		0.15%. Min USD 2
	12		Supply of VCB blank cheques	Free	Free
	13		Payment guarantee cheques	VND 10,000/cheque	USD 1/cheque
II			CHEQUE TRANSACTIONS
	1		Sending cheques for clearing
		1.1	Cheque receiving for clearing	Free
		1.2	Settlement of cheque clearing	VND 4,000 per cheque
	2		Cheque collection
		2.1	Sending for collection
			2.1.1 Domestic collection
			- Cheque receiving for collection	VND 5,000 per cheque	USD 0.5 per cheque
			- Settlement of collection	0.1% of credit amount	0.1%/of credit amount
				Min VND 5,000	Min USD 2
				Max VND 150,000	Max USD 20
			- Cancellation of collection upon request	VND 15,000	USD 2
			- Items returned unpaid	Actual expenses incurred to be paid
			2.1.2 Overseas collection
			- Receiving of cheques for collection		USD 1 per cheque
			- Settlement of collection		0.2% of credit amount
					Min USD 5
					Max USD 100
			- Cancellation of collection upon request		USD 5
			- Items returned unpaid	Actual expenses incurred to be paid
		2.2	Cheques received for collection	As per terms and conditions applied for correspondent banks
	3		Travelers’ cheques
		3.1	Selling of travelers’ cheques		1%. Min USD 5
		3.2	Encashing travelers’ cheques
			3.2.1 For VND in cash		0.5%. Min USD 1
			3.2.2 For foreign currencies in cash		1% Min USD 2
			3.2.3 For credit in VND accounts
			- At branches in the same city/province		0.5%. Min USD 1
			- At branches in different cities/provinces		0.53%. Min USD 2
			3.2.4 For credit in foreign currency accounts
			- At branches in the same city/province		1%. Min USD 2
			- At branches in different cities/provinces		1.03%. Min USD 3
III			FOREIGN CURRENCY CASH AND BANK NOTES
	1		Foreign currency bank notes
		1.1	Exchange of foreign currency bank notes
			1.1.1 For another foreign currency		Free
			1.1.2 For VND cash		Free
			1.1.3 For smaller denominations in the same currency		Free
			1.1.4 For bigger denominations in the same currency		2%. Min USD 2
		1.2	Foreign currency export certificates
			1.2.1 Issuing certificates		Free
			1.2.2 Changing certificates		VND 15,000 each
		1.3	Foreign currency bank notes out of circulation
			1.3.1 Receiving for collection		USD 1 each
			1.3.2 Settlement of collection		1% each. Min USD 2
			1.3.3 Cancellation of collection upon request		USD 5
			1.3.4 Items returned unpaid	Actual expenses incurred to be paid
		1.4	Counting and checking foreign currencies		USD 0.2/note
	2		Bank notes
		2.1	On-site collecting cash at customer's request	Subject to agreement
		2.2	On-site paying cash at customer's request	Subject to agreement
		2.3	Safe for lease	Min VND 1,000,000 each p.a.
IV			REMITTANCE
	1		Domestic remittance
		1.1	Domestic outward remittance
			1.1.1 By debiting accounts (loan accounts included)
			1.1.1.1 Outward remittance in the same city/province
			- Within VCB’s network
			+ to an account (including transfer cheque)	Free
			+ to walk-in customers (including open cheque)	0.02%. Min VND 2,000	0.15%. Min USD 2
			- Outside VCB’s network
			+ Clearings, Inter-bank transfers, Electronic transfers	VND 4,000/item	USD 1/item
			+ Bank draft transfers	VND 4,000/item	USD 0.5/item
			1.1.1.2 Outward remittance to a different city (province)
			- Within VCB’s network
			+ to an account (including transfer cheque)	0.02%	0.025%
				Min VND 10,000	Min USD 2
				Max VND 1,000,000	Max USD 100
			+ to walk-in customers (including open cheque)	0.03%	0.18%
				Min VND 10,000	Min USD 2
				Max VND 1,000,000
			- Outside VCB’s network
			+ Electronic transfers	0.05%	0.05%
				Min VND 20,000	Min USD 5
				Max VND 700,000	Max USD 100
			+ Bank draft transfers	0.02%	0.04%
				Min VND 10,000	Min USD 2
				Max VND 100,000	Max USD 100
			1.1.1.3 Transfer to beneficiary list	VND4000/each
			(If transfer to beneficiary account at different branch in different city (province)	Applying Item IV/1.1.1.2
			1.1.1.4 Automatic remittance as agreed	VND 30,000 VND/ item + appropriate remittance fee	USD 3/ item + appropriate remittance fee
			1.1.1.4 Automatic remittance as agreed	VND 30,000 VND/ item + appropriate remittance fee	USD 3/ item + appropriate remittance fee
			1.1.2 Cash deposits for outgoing remittance
			1.1.2.1 Outward remittance to the same city (province)
			- Within VCB’s network	0.02%	0.15%
				Min VND 10,000	Min USD 2
				Max VND 100,000	Max USD 100
			- Outside VCB’s network
			+ Electronic transfers	0.03%	0.20%
				Min VND 20,000	Min USD 2
				Max VND 500,000	Max USD 100
			+ Bank draft transfers	0.02%	0.18%
				Min VND 10,000	Min USD 2
				Max VND 100,000	Max USD 100
			1.1.2.2 Outward remittance to a different city (province)
			- Within VCB’s network	0.03%	0.25%
				Min VND 20,000	Min USD 2
				Max VND 1,000,000	Max USD 100
			- Outside VCB’s network
			+ Electronic transfers	0.06%	0.30%
				Min VND 20,000	Min USD 2
				Max VND 1,200,000	Max USD 150
			+ Bank draft transfers	0.04%	0.25%
				Min VND 20,000	Min USD 5
				Max VND 500,000	Max USD 100
			1.1.3 Amendments, Cancellations, Investigations
			1.1.3.1 Cheque, Bank draft payments	VND 10,000 each	USD 1 each
			1.1.3.2 Others	VND 20,000 each	USD 2 each
		1.2	Domestic inward remittance
			1.2.1 To accounts
			1.2.1.1 Settlement of clearing	Free
			1.2.1.2 Receiving electronic money transfer and inter-bank transfer
			- Beneficiary to VCB's account	Free
			- Beneficiary with no VCB's account
			+ Same city/province	VND 4,000 /item
			+ Other cities/provinces	VND 20,000/item
			1.2.2 Receiving cash at VCB (for customers with no account at VCB and charges to be collected on money transferred from other banks)	0.02%	0.15%
				Min VND 20,000	Min USD 2
				Max VND 500,000	Max USD 100
			1.2.3 Amendments, investigations, refund	VND 20,000 /time	USD 2/time
	2		Overseas Remittance
		2.1	Overseas outward remittance
			2.1.1 Electronic transfers
			2.1.1.1 Fee charged by VCB:		0.2% of transaction amount
					Min USD 5
					Max USD 200
			2.1.1.2 Fee charged by foreign banks which shall be borne by remitters if requested
			- In USD		USD10 each
			- In JPY		USD40 each
			- In other foreign currencies		USD20 each
			2.1.2 Bank draft transfer		0.1%
					Min USD 5
					Max USD 200
			2.1.3 Back Value (fee charged by foreign banks )	Actual expenses incurred to be paid
			2.1.4 Amendments, Investigations		USD 5/time
			2.1.5 Cancellation		USD 5/item
		2.2	Overseas inward remittance
			2.2.1 Charges paid by beneficiary (BEN, SHA)		0.1%
					Min USD 5
					Max USD 100
			2.2.2 Charges paid by ordering bank (OUR)	As per terms and conditions for correspondent banks
			2.2.3 Receiving cash at VCB
			- In VND		Free
			- In foreign currencies		0.15% Min USD 2
			2.2.4 Transfer to beneficiary at other banks
			- Charges paid by beneficiary (BEN,SHA)		USD 5/item
			- Charges paid by ordering bank (OUR)	As per terms and conditions for correspondent banks
			2.2.5 Refund		USD 10/item
			2.2.6 Amendments, investigations		USD 5/time
	3		Bank draft issuance
		3.1	Issued by other banks	VND 15,000/set	USD 1/set
		3,2	Issued by VCB	VND 5,000 /set	USD 0.5/set
V			COLLECTION
	1		Collection order
		1.1	Receiving and sending for collection	VND 5,000/set
		1.2	Payment of collection	VND 5,000/item
	2		Documentary collection
		2.1	Registering/Opening documentary collection		USD 5/transaction
		2.2	Settlement for collection sent to credit institutions in foreign countries		0.15% of credit amount
					Min USD 10
					Max USD 150
		2.3	Settlement for collection received from institutions in foreign countries		0.15% of collection amount
					Min USD 5
					Max USD 150
	3		Cancellation of collection at customer’s request
		3.1	Inside Vietnam	VND 5,000
		3.2	Outside Vietnam	USD 5
	4		Collection returned unpaid	Actual expenses incurred to be paid
	6		Forwarding collection to other banks
		6.1	Inside Vietnam	USD 2 /set
		6.2	Outside Vietnam	USD 5 /set
	7		Investigations
		7.1	Inside Vietnam	USD 2 /time
		7.2	Outside Vietnam	USD 5 /time
VI			DOCUMENTARY CREDITS
	1		For import L/C
		1.1	Opening L/C	0.1% of L/C amount
				Min USD 20
				Max USD 500
		1.2	Opening preliminary L/C	USD 10
		1.3	Amendment of increasing value of L/C (collecting additional fees for incremental amount)	As per item VI/1.1
				Min USD 10
				Max USD 500
		1.4	Other amendments	USD 10 /time
		1.5	Cancellation of L/C at customer’s request	USD 10
		1.6	Payment of a set of documents	0.2% of payment amount
				Min USD 20
				Max USD 500
		1.7	Guarantee on receipt of goods
			1.7.1 Issuing guarantee on receipt of goods	USD 50 /each
			1.7.2 Maintaining guarantee on receipt of goods
			- Returning guarantee within 60 days since the date of issuing guarantee	Free
			- Returning guarantee over 60 days since the date of issuing guarantee	additional fee of 0.1% of guarantee amount for each 30 days
				Min USD 50
		1.8	Bill of Lading endorsement	USD 10
	2		For export L/C
		2.1	Advising L/C	USD 20
		2.2	Confirming L/C	0.1% per month
		2.2	Confirming L/C	Min USD 30
		2.3	Advising of amendment to L/C confirmed by VCB
			2.3.1 Amendment of increasing value of L/C	As per Item VI/2.2, min USD 15
			2.3.2 Other amendments	USD 10/time
		2.4	Advising amendment of L/C not confirmed by VCB	5USD/time
		2.5	Cancellation of L/C upon request	USD 15 /time
		2.6	Payment of a set of documents
			2.6.1 For L/C not advised by VCB	0.1% of credit amount
				Min USD 20
				Max USD 150
			2.6.2 For L/C adviced by VCB	0.1% of credit amount - USD 20 (advising fee)
				Min USD 20
				Max USD 150
		2.7	Discounting a set of documents	Subject to agreement
		2.8	Transfer
			2.8.1 Inside Vietnam	USD 20/transaction
			2.8.2 Outside Vietnam	USD 30/transaction
VII			GUARANTEE
				in VND	in foreign currencies
	1		Issuing L/G with Vietcombank’s obligation at customer’s request
		1.1	Issuing L/G
			1.1.1 With cash cover	0.04% per month	0.04% per month
			1.1.1 With cash cover	Min VND 160,000	Min USD 10
			1.1.2 Without cash cover or with collaterals	0.1% per month	0.1% per month
			1.1.2 Without cash cover or with collaterals	Min VND 160,000	Min USD 10
		1.2	Amendment of L/G
			1.2.1 Amendment of increasing value of L/G or/and extension of L/G term (additional fee for incremental amount)	As per Item VII/1.1	As per Item VII/1.1
				Min VND 80,000	Min USD 5
			1.2.2 Other amendments	VND 80,000/time	USD 5/time
		1.3	Cancellation of L/G
			1.3.1 Cancellation upon expiry of L/G	Free	Free
			1.3.2 Cancellation of L/G at customer’s request	VND 80,000/time	USD 5/time
		1.4	Change of collaterals	Collecting additional fee or subject to agreement
		1.4	Change of collaterals	Min VND 160,000	Min 10 USD/time
		1.5	Payment of L/G	As per Item IV
	2		Acceptance of usance payment of deferred import L/C
		2.1	Full cash cover	0.04% per month
		2.1	Full cash cover	Min USD 10
		2.2	Without cash cover or with collaterals	0.08% per month
		2.2	Without cash cover or with collaterals	Min USD 10
	3		Issuance of L/G based on counter guarantee issued by correspondent banks	As per terms and conditions for correspondent banks
	4		L/G issued by correspondent bank directly to domestic customer
		4.1	Advising other banks’ L/G	USD 20
		4.2	Advising amendment of other banks’ L/G	USD 10
		4.3	Confirming cancellation of other banks’ L/G	USD 20/time
	5		Collection on behalf of domestic customers under correspondent banks’ L/G
		5.1	Receiving and handling customer’s request	USD 30
		5.2	Settlement for collection	0.1% of credit amount
				Min USD 10
				Max USD 100
	6		Confirming correspondent banks’ L/G	As per terms and conditions for correspondent banks
	7		Verifying signature in foreign bank’s L/G at domestic customer’s request	USD 20
	8		Issuance of Letter of Commitment for issuing L/G	VND 160,000/time	USD 10
VIII			AIDS AND LOANS UNDER ODA PROJECTS
	1		For Export L/C
		1.1	Advising L/C	USD 20
		1.2	Advising Amendment of L/C	USD 10
		1.3	Payment of a set of documents
			1.3.1 Payment to a VCB account	0.2%/set
				Min USD 10
				Max USD 150
			1.3.2 Payment to a non - VCB account	0.25%/set
				Min USD 10
				Max USD 200
	2		For Import L/C (L/C, IAP, ALC, RLC)
		2.1	Opening L/C	0.1%
				Min USD 20
				Max USD 250
		2.2	Amendment of L/C
			2.2.1 Amendment of increasing value of L/C	0,1%
				Min USD 20
				Max USD 250
			2.2.2 Other amendments	10 USD/time
		2.3	Payment of a set of documents
			2.3.1 L/C, IAP (Irrevocable Authorization to Pay )	0.2%/set
				Min USD 20
				Max USD 300
			2.3.2 ALC (Application for L/C) ; RLC (Reimbursement L/C)	0.1%
				Min USD 10
				Max USD 200
	3		Signing disbursement request	0.1%
				Min USD 10
				Max USD 100
	4		ODA Fund Management	USD 10 per month
IX			CARD SERVICES FOR VCB' PARTNERS
	1		Issuance fee	Subject to agreement
	2		Annual fee	Subject to agreement
	3		Inter-change fee	Subject to agreement
	4		Settlement fee	Subject to agreement
	5		Service fee	Subject to agreement
X			OTHER SERVICES
	1		Advice of lost valuable papers	VND 75,000/time
	2		Transfer of valuable papers	VND 10,000 /time
	3		Investigation of transactions over 6 months from transaction date	Subject to agreement
	3			Min VND 80,000 or USD 5/transaction
	4		Other services as requested by customers	Subject to agreement
	5		Central Capital Management	Subject to agreement
XI			ELECTRONIC FEES
	1		Electronic fees, telex fees, fax and registered/express postage fees	Charge based on Post Office’s or express agency
	2		SWIFT fees:
		2.1	Domestic	USD 3/message
		2.2	Overseas
			2.2.1 L/C and Guarantee issuance	USD 20/message
			2.2.2 Others	USD 5/message