CAKE vs HPO

CAKE BY VPBANK DIGITAL BANK CAKE BANK is the official mobile banking app of Cake by VPBank Digital Bank, enabling customers to access banking services, perform financial transactions, and manage a wide range of financial products—all on a single digital platform. ● A fully digital bank powered by Artificial Intelligence across the entire banking journey, following the vision of a Next GenAI Bank. ● The only Vietnamese digital bank recognized among the World's Top 100 Digital Banks. ● Awarded Best Digital Bank in Vietnam 2025 by The Asian Banker Global. ● A pioneer in adopting international security standards, including ISO, FIDO2, PCI DSS 4.0, while continuously developing proprietary technologies. ● Ranked among the Top 4 Vietnamese LLM developers and Top 10 fine-tuned AI models on the VLMU leaderboard. ● Offering a complete digital financial ecosystem, including bank accounts, savings, credit cards, personal loans, and many other innovative financial services. FLEXIBLE FINANCIAL SOLUTIONS Experience a modern digital banking ecosystem with Cake by VPBank. Open an account, access financial products, and manage your finances conveniently - all from your smartphone. Easy registration, transparent products, and secure banking. CAKE 2in1 CARD ● Apply 100% online in as fast as 2 minutes. ● No income verification or complicated paperwork required. ● Credit limit of up to VND 100,000,000. ● Enjoy exclusive offers from Cake's partner ecosystem. ● Issued by Cake by VPBank in accordance with applicable regulations. CAKE Cash Loan ● Apply 100% online using only your Vietnamese Citizen ID (CCCD). Funds are disbursed promptly after loan approval. ● Loan terms from 6 to 60 months. ● Loan amount from VND 5,000,000 to VND 60,000,000. ● Flat interest rate starting from 28.7% per year, up to 36% per year, depending on customer profile and lending partner. ● Maximum effective annual interest rate: 36%. ● Maximum Annual Percentage Rate (APR): 36%. ● Maximum loan amount: VND 60,000,000. Example: - For a loan of VND 10,000,000 over 12 months at an interest rate of 2.3% per month (equivalent to 27.6% per year): - Monthly repayment: VND 1,065,522 - Total repayment after 12 months: VND 12,786,264 - Total interest paid: VND 2,786,264 Credit products are provided by Cake by VPBank Digital Bank and licensed financial partners in accordance with applicable regulations. TERM DEPOSIT ● Start saving from as little as VND 100,000. ● Competitive interest rates across various terms. ● Enjoy partial early withdrawal without losing interest on the remaining balance. ● No branch visits or paperwork required. Daily Services ● Mobile top-ups. ● Pay electricity, water, internet, and other utility bills. ● Access all your daily financial services in one app. Cake is committed to maintaining reliable service availability, with service interruptions not exceeding 15 minutes per incident and 60 minutes per year, excluding scheduled maintenance announced in advance or force majeure events. Cake by VPBank - Smart Finance at Your Fingertips. Cake Digital Bank - As Easy As Cake. Start Enjoying Today! CONNECT WITH CAKE ● Email: chat@cake.vn ● Hotline: 1900 636 686 ● Website: https://cake.vn ● Head Office: 89 Lang Ha Street, Dong Da Ward, Hanoi, Vietnam

Ứng dụng HPO cung cấp tính năng quét mã QR và đọc CCCD gắn CHIP (NFC) Sử dụng dễ dàng, tiện lợi và nhanh chóng: 1. Tải ứng dụng HPO miễn phí 2. Chuẩn bị CCCD gắn CHIP 3. Liên hệ nhân viên HDSAISON để được cung cấp mã QR thực hiện eKYC 4. Làm theo hướng dẫn trong ứng dụng để thực hiện NFC thành công Trải nghiệm tối ưu: 1. Bảo mật thông tin 2. Ứng dụng hiện đại 3. Mọi lúc, mọi nơi, mọi thiết bị Công ty Tài chính trách nhiệm hữu hạn HD SAISON Tầng 8,9,10 Tòa nhà Gilimex, 24C Phan Đăng Lưu, Phường Gia Định, Thành phố Hồ Chí Minh Website: www.hdsaison.com.vn Facebook: www.facebook.com/HDSAISONFinance Hotline: 1900 558854