Card Services Personal Loans Corporate Loans Remittances Installments by credit cards Deposits - Savings Electronic Banking Online Tax Payment International Payments Deposit payment Insurances Deposits - Savings When customer need money, can customer withdraw a part of principal amount? Customer can use the loan service at Kienlongbank. In case of withdrawing a part of principal, Kienlongbank applies the lowest demand interest rate for entire deposit amount at early withdrawal time. Customers can open a new savings book for remaining deposit (if partially withdrawn) with the term and interest rate calculated from the new opening. What is risk treatment for passed-away depositors? Case 1: The depositor already has a will for the amount deposited at Kienlongbank. The heir shall provide: The will (copy certified) Death certificate or dead declaring decision of the depositor (certified copy) Savings books (original) Identity card/Passport of the heir Case 2: Depositor has no will. The heir must present: Death certificate or dead declaring decision of the depositor (certified copy) Written agreement on division of legacy by the co-heirs which is notarized by law Savings book (original) Identity card / passport of the inheritance For savings books with "No early withdrawal" stamp, how do customers have unexpected capital needs? Customers cannot withdraw money before due date. This is specified in a deposit money product. Customer can pledge their savings book to satisfy unexpected capital needs. However, in case of force majeure such as unexpected accidents, natural disasters, floods,... Kienlongbank still flexibly supports customers to withdraw before maturity in accordance with regulations. When due date coincides with a holiday, how is interest calculated? The bank will pay on working day right before the holiday, interest is calculated as follows: From deposit date to working day right before the holiday with interest calculated on actual deposit days. Is it possible to withdraw money – terminate savings books at other places different from original opening place? Customers can come to any counter of Kienlongbank nationwide. All transactions are free of charge. How is the procedure for authorizing other person to make transactions related to savings deposit such as receiving principal, interest, renewing, closing...? Customers can authorize others in relation to their savings. Authorized person needs to present following documents: Identity card/Identification citizenship/passport Authorisation in writing (can be made at Kienlongbank or notary public office). Savings book. How can customers check account balance or transaction information without going to Kienlongbank? Customers can know their balance and account transaction information through electronic banking services: Internet Banking, SMS Banking, Mobile Banking. To use these services, customers need to register directly at counter. Deposit balance can be checked via QR Code on Savings Book or Deposit Contract How is withdrawal procedure like? Customers present savings book and valid ID (or passport). « ‹ 1 2