Article 1.- The State Bank encourages, and creates every favorable condition for Vietnamese who have settled abroad and Vietnamese who are on mission, working or studying abroad (hereafter referred to as overseas Vietnamese) to send home foreign exchange to assist their families and relatives, or to contribute to national construction.

Article 2.- Overseas Vietnamese who send home foreign exchange are allowed to open bank accounts or savings deposits in foreign exchange at banks which are licensed to do business in foreign exchange in Vietnam in accordance with existing provisions, and to transfer abroad both the principal and interest.

Article 3.- In-country Vietnamese, who receive foreign exchange sent by overseas Vietnam, are allowed to open bank accounts and savings deposits in foreign exchange at banks which are allowed to do business in foreign exchange.

The foreign exchange, which is deposited in banks accounts or savings accounts, is allowed to be withdrawn in foreign exchange or in Vietnam Dong at the request of the depositor.

Article 4.- This Decision takes effect from the date of its signing. The Director of the Office of the State Bank; the Director of the Department for Management of Foreign Exchange; the General Directors of the Commercial Bank, the Bank for Investment and Development; and the Directors of the branches of the State Bank in the provinces and cities directly under the Central Government, are responsible for implementing this Decision.

For the Governor of the State Bank

Deputy Governor