Welcome the God of Wealth, Welcome the Spring

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1. Promotion area (scope):
- The program applies at Branches/Transaction Offices of Military Commercial Joint Stock Bank (MB) in 63 provinces/cities nationwide.

2. Promotion form:
- Giving away goods and providing services without collecting money, accompanied by the purchase and sale of goods and provision of services as stated in Article 6 below.

3. Promotion period:
- From February 4, 2025 to February 7, 2025.

4. Promotional goods and services:
- Applicable to all current products of MB Ageas Life, not applicable to standalone products without additional products (except for Financial Security products).

5. Goods and services used for promotion:
- Electronic voucher of To Qua Digital Marketing Joint Stock Company (E-voucher Urbox).

6. Promotional Program Customers:
- The insurance buyer is an individual customer (KHCN) or a corporate customer (KHDN) who purchases promotional goods and services specified in Point 5 above through the Bancassurance Channel at MB, BAB, MBV Branches/Transaction Offices in 63 provinces/cities nationwide, and satisfies the conditions of the Promotion Program specified in Point 8 below.

7. Prize structure:
- Customers of the Promotion Program will receive Gifts according to the provisions in Points 8.1 and 8.2 below as follows:

7.1 Conditions on First Year Premium of New Insurance Contract (ICC)

Note:

The E-voucher is valid for 06 months from the date the Customer receives the E-voucher.
The first insurance contract is determined to be the insurance contract with an effective date during the promotion period and is registered daily by MBAL Insurance to the Block .
The Gift value includes VAT, taxes, fees, and costs related to receiving the Gift (if any).
The gift is gold given in the form of Urbox Evoucher. The price of gold is determined based on the market price at the time of closing the reward calculation results, but the maximum does not exceed 8,000,000 VND/tael.

Note:

- FYP is the First Year Premium of the Insurance Contract paid during the Promotion Period, including the premiums of Supplementary Insurance Products, excluding the Top Up Premium;

- The first insurance contract is determined to be the insurance contract with an effective date during the promotion period and is registered daily by MBAL Insurance to the Block .

For insurance contracts with the same effective date, the contract with the earlier date of information declaration on the system (submission date) will apply.
For insurance contracts that satisfy both of the above conditions, the contract with the earlier issuance date shall apply.
For insurance contracts that satisfy all three conditions above, apply to contracts with a pre-consideration period.
For insurance contracts that satisfy all four conditions above, the contract with the larger FYP (excluding Top-up) will apply.

7.2 Conditions of New Insurance Contract

- The first year's insurance premium is paid in full during the Promotion Period and the Insurance Contract is issued no later than February 28, 2025;

- The Customer's Insurance Contract is not canceled/changed in premium during the Consideration Period (21 days from the date the Customer receives the Insurance Contract), resulting in ineligibility to receive the Promotional Gift. MB Ageas Life only gives Gifts to Customers whose Insurance Contract has passed the Consideration Period and/or is still valid at the time of bonus calculation.

8. Detailed content of the Promotion Program:

8.1. Process of giving gifts to customers

a) For Gifts being E-vouchers: Customers who meet the conditions to receive E-vouchers stated in Point 8 will receive a message from MB Ageas Life to the phone number of the insured person registered on the insurance application form after the end of the consideration period of the insurance contract. Content of the message sent to the Customer receiving the Gold E-voucher: “ Congratulations on receiving a Gift from MB Ageas Life's Customer Promotion Program: 01 Urbox E-voucher worth xxxx VND. Please access: (link provided by Urbox) to download and register for the UrBox App. Enter the gift card code xxxxxxx and PIN code: xxxxxx to activate. Expiry date: xx. Hotline: 1900 299 232”;
b) In case the Customer cancels/changes the Insurance Contract during the Consideration Period or the Insurance Contract is determined to be invalid/ineffective and MB Ageas Life must refund the Customer, resulting in the conditions for receiving the Gift not being fully satisfied, the Customer is responsible for returning the received Gift or MB Ageas Life will deduct the amount corresponding to the value of the Gift when paying any amount to the Customer.

8.2. Other regulations

a) Customers are responsible for checking the value and validity of the Gift immediately upon receiving the message from MB Ageas Life. Any issues related to the Gift must be responded to MB Ageas Life at the phone number and email listed below on the day of receiving the gift from MB Ageas Life. MB Ageas Life will not be responsible in case the Customer does not register the Gift information or registers an incorrect mobile phone number/Bank account information on the Insurance Application Form to MB Ageas Life, resulting in not receiving the Gift.
b) To ensure the transparency of the Promotion Program, MB Ageas Life only gives Gifts to the Insurance Buyer and has the right to announce the number of Gifts, identity, nationality and image of the Gift recipient according to the provisions of law or at the request of a competent state agency.
c) With the Customer's consent, MB Ageas Life has the right to use the Customer's image and information related to the Program in communication, advertising and/or public announcement activities without having to pay any additional fees.
d) This Promotional Program is not implemented at the same time as other Promotional Programs. In case there is more than one Promotional Program applied to the same type of Insurance Product, the Customer will enjoy the benefits of the Promotional Program with a higher incentive level being applied during the Promotional Period for that Insurance Product.
e) Customers receiving Gifts must bear travel and accommodation expenses for receiving Gifts and personal income tax according to the provisions of law (if any).
f) Any questions or complaints from Customers related to this Promotion Program will be resolved within 30 days from the end date of the Promotion Program or from the date the Customer receives the gift from MB Ageas Life (Complaint Period), whichever comes later. Questions or complaints (if any) will only be considered and resolved within the Complaint Period. MB Ageas Life has the full right to make the final decision to resolve the complaint in accordance with the provisions of law.
g) The promotion program may change at any time at the sole discretion of MB Ageas Life after completing the necessary procedures as prescribed by law.
h) If due to force majeure (as prescribed by law) or for any other reason beyond the control of MB Ageas Life or not due to the fault of MB Ageas Life, the Program does not take place as planned or there is a change or negative impact on management, operation and fairness, MB Ageas Life (to the extent permitted by law) cancels, terminates, changes or delays part or all of the Program and/or may remove from the Program any individual in case of being involved in causing disturbance, sabotage or fraud, profiteering in the Program after obtaining the consent of a state agency or in accordance with current law.