TECHCOMBANK

CREDIT AGREEMENT No. PDL20160561 / HDTD

This credit agreement is entered into by and between the following parties on 11 November 2016
(hereinafter referred to as " Credit Grant Agreement "):

I. THE CREDITOR:

THE VIETNAM TECHNOLOGICAL AND COMMERCIAL JOINT STOCK BANK -

TECHCOMBANK

Branch:
Address:
Represented by Mr/Mrs Position: under the power of attorney
No. dated
Telephone: Fax:

(Hereinafter referred to as "Techcombank")

II. THE CREDIT GRANTED:

COMPANY: ONE MEMBER COMPANY LIMITED

Headquarter: Street No.12, Tang Nhon Phu B Ward, District 9, Ho Chi Minh City,
Vietnam
Enterprise Registration Certificate No. . issued by the Department of Planning and Investment of Ho Chi
Minh City, the first registration on 31 December 2010

Represented by Mr/Mrs: Nationality: Vietnam Position:

acting as the at-law representative / under the written authorization dated by

Phone: Mobile: Fax: Email:

(Hereinafter referred to as "Customer")

Respect for the voluntary agreement , the Consumer and Techcombank shall mutually enter into this
Agreement as follows:
SECTION A. SPECIFIC TERMS
ARTICLE 1. LOAN AMOUNT, LOAN PURPOSE, LOAN TERM, INTEREST RATE
1.1. Loan amount: VND 1,245,701,943
(In words: one billion two hundred and forty-five million, seven hundred and one thousand, nine hundred
and forty three dong)
1.2. Loan currency: VND
1.3. Loan purpose: Buying apartments in the projects of VinGroups - Unit Code: C2- for using as
representative offices and public houses
Techcombank shall be not responsible for the authenticity and legality related to the loan purpose of the
Customers. The Customers should commit and ensure their loan purpose in accordance with laws,
competent authority, as well as their capabilities in order to make duly payments for Techcombank under
this Agreement.
1.4. Loan term: 60 months as from the disbursement date of disbursing the first loan.

1.1. Interest rate (also called the term loan interest rate): agreed by the two parties in Debt
Acknowledgement Contract made at every loan withdrawal.
1.5.1. Interest rate applicable for disbursements in the period from ... // ... // ... .. is:
Fixed rate: ... // ...%/year; or I I Floating rate as follows:
* The contents with box only applicable if the box is marked [X] in box
Ref: MB18B-SP.SPBL / 59 No of Issuance/Revision: 09/00
a) Interest rate applicable from the date of disbursement during the date ...//... up to date ...//...is ;
b) The interest rate applicable to loans granted to Customer in the coming time is adjusted periodically
each... // ... month on the date ... // ... and by prime rate .//./LIBOR interest .//.(+) magnitude .//.%/year.
In the case of loans in Vietnam dong, The Prime rate is determined by Techcombank for each period,
published on the website and appliacable the Customer at the time of adjustment of periodic interest rate.
In the case of foreign currency loans, the reference rate will be LIBOR or other reference interest rate
agreed upon in this Contract. Techcombank will notify the Customer of Prime Rate applicable to
adjustment as provided for in Article 11.5 of this Agreement. This notice of Techcombank is binding for
the Customer.
1.5.2. Interest rate applied to subsequent disbursement after the date .//. is:
Fixed rate: .//. %/year; or
I I Prescribed interest rate on debt acknowledgment contract and repayment commitments made under
each loan
1.5.3. Interest calculation method:
Interest of Loans is calculated monthly, based on an 360-day year, calculated on the interest rate, principal
balance and actual using time by calendar, including the extension period unless the two parties have
other written agreement.
1.6. Other fees and other costs: The Customer is obligated for payment before due date, other fees and
other expenses are prescribed in each period in accordance with the provisions of laws.
ARTICLE 2. CONDITIONS OF DISBURSEMENT
The Customer is only disbursed when:
2.1. Customers meet all conditions in accordance of laws and regulations on property lending
and property assurance receipt of Techcombank;
2.2. Conditions for first disbursement: [ ], and
- Profile of disbursement, collateral records, insurance records and disbursement procedure under the
provisions of Techcombank
2.3. Conditions for subsequent disbursements: As stipulated in Clause 2.2 of this Contract and
according to the provisions of Techcombank
ARTICLE 3. DISBURSEMENT METHODS, DOCUMENTS AND PROCEDURES
3.1. Disbursement method: IXI Once or o Many times by transfer or other forms as specified in the
Debt Acknowledgement Contract, in accordance with the provisions of law.
3.2. Disbursement documents, procedures:
The Customer must send written request for disbursement to Techcombank [ ] days before
a/
expected disbursement.
b/ In each disbursement, the Customer shall sign the Debt Acknowledgement Contract, confirming the
date of debt acknowledgement and debt amount. Debt Acknowledgement Contract is an inseparable
part of this Agreement.
Loan withdrawal schedule
3.3. Deadline for withdrawal is: According to the regulations of Techcombank
Disbursement schedule follow disbursement schedule stipulated in the Appendix of this Contract.
The Customer may only withdraw the loan within the time limit specified in the Schedule of
disbursement.
ARTICLE 4. PAYMENT SCHEDULE AND METHOD
4.1. Principal Payment Plan (Principal Payment Schdule):
One payment: The Customers must pay the original loan on the day [ ]
1X1 Multiple payment: Specified in each Debt Acknowledgement Contract.
4.2. Interest Payment plan (Interest Payment Schdule): Customer must make payment of
interest as defined in Debt Acknowledgement Contract.
4.3. Payment method: The Customer can pay by cash or bank transfer and agrees to
Techcombank to deduct from their account opened at Techcombank to recover the debt.

ARTICLE 5. LOAN GUARANTEES

5.1. Techcombank agrees to provide credit to the Customer on the basis of:
Do not apply guarantee measures;
Apply guarantee measures by the assets of the Customer;
Apply the guarantee measures of a third party;
Guarantee of a third party.
5.2. Collaterals
Collaterals are: Unit No. C2- Floor 12A in the Apartment in ward 22, Binh Thanh District, Ho Chi Minh
city in the Tan Cang Sai Gon Complex under contract for sale and purchase of Unit No. C2- dated
and other collaterals agreed to be used as security for the entire liabilities of the Customer in
Techcombank.
Details of the guarantee of the obligations of the Customer to be specified in the Guarantee Agreement
signed between Techcombank and Customer or a third party.
5.3. In case Techcombank requests insurance cover for the collaterals, the Customer is
obligated to make a purchase of this insurance in accordance with Techcombanks time,
conditions and requirements. If the Customer fails to buy or make late payment of insurance
premiums, the Bank has the right to automatically deduct from the account of the Customer as
stipulated in article 11.6 on Insurance premium payment. If the deposit account/payment account
of the Customer does not have enough money, the Customer must immediately acknowledge
mandatory and unconditional debt of insurance premiums that be paid by Techcombank and take
 the penalty of 0.05%/day based on the amount of the debt and the number of days required to
receive mandatory debt.
ARTICLE 6. OTHER SPECIFIC AGREEMENTS
The Customer is obliged to:
6.1. Maintain the transactions and cash flow through account No. opened at Techcombank
with a minimum frequency of credit time/ month and the minimum amount credit (if
any);
6.2. Other payments are as follows:
6.3. In case payment before due date, the Customer must pay according to method and rate
issued by Techcombank in effect at the time of early repayment.
6.4. In case the loan is restructured its payment term, as defined in Article 8 below, the
Customer must pay the fees and expenses of payment term restructure prescribed by
Techcombank in effect at the time of restructuring the payment term.
6.5. Other agreements:
SECTION B. GENERAL CONDITIONS
ARTCILE 7. PAYMENT OF PRINCIPAL AND INTEREST
7.1. The Customer commits to pay the loan principal and interest in accordance with the
provisions of this Agreement. If the date falls on a holiday of Techcombank, holidays as
prescribed by law, the date of payment of principal and interest of loan is the next business day .
7.2. The Customer's debt payments for Techcombank comply with the following order of
priority: (i) Payment of receivable, charges and fees, fines and other receivables to the Bank;
charges and outsourcing costs (if any); (ii) Overdue Interest payment, (iii) Due Interest payment,
(iv) Overdue principal payment, and (v) Principal payment.
7.3. If the Customer pays interests for Techcombank in an incomplete or not timely manner,
the Customer must pay a penalty for delayed payment which is calculated on the basis of 150% of
the term loan's interest rate multiplied by the number of days of late payment from the due date
until full payment Customer of such interest debt.
7.3. In case the Customer does not pay debts on time or incompletely, Techcombank may
apply overdue interest, penalties and reserves the right to handle the debt as stipulated in Article
10.2 of this Agreement.
7.4. The Customber may make multiple payment or make payment before due date compared
with debt payment schedule or settle payment before due date if agreed by Techcombank in
writing. In this case, the Customer must pay Techcombank a penalty of early payment as
stipulated by Techcombank at the time of early payment.
7.5. The Customer shall make the repayment in the currency specified in Article 1 of this
Agreement. If the Customers wishes to buy foreign currency to pay off debts or make the
repayment in the currency other than the currency specified in Article 1 of this Agreement, the
purchase of foreign currency /foreign currency exchange must be approved vy Techcombank and
in accordance with the provisions of law on foreign exchange.
ART ICLE 8. PAYMENT TERM RESTRUCTURE
8.1. If the due date of principal and/or interest payment, the Customer fails to pay or pay only
a portion of principal and/or part of interest and desire to adjust the payment term or debt
 rescheduling, the Customer must send a written request for Techcombank proposing payment
term restructure, in details:
(i) request to adjust payment term;
(ii) request to extend the payment terms;
at least fifteen (15) days prior to the due date, unless otherwise stipulated by Techcombank.
8.2. Techcombank is entitled to accept or not accept the payment term restructure reqest of the
Customer. If Techcombank accepts, the Bank is entiled to adjust the interest rate of restructured
loans in accordance with the law and Techcombank regulations.
8.3. The Customers must pay for all expenses related to payment term restructure according
to as informed by Techcombank at the time of adjustment of payment term or payment extension.
ARTICLE 9. OVERDUE DEBT CLASSIFICATION
9.1 In cases:
(i) Upon the due date of payment related to principal debt and /or loan's interest rate as defined in
Article 4 of this Contract, the Customer fails to pay or pay only a portion of principal debt and/or
loan's interest rate and has no written request for debt restructuring ot payment term extension as
stipulated in Article 8.1 above or such request is rejected by Techcombank,
(ii) Upon the due date of payment related to principal debt and /or loan's interest rate which has been
restructured for repayment period under Article 8 above, the Customer still fails to pay or pay only a
portion of principal debt and/or loan's interest rate, or
(iii) Customer has incurred other overdue debts in Techcombank or other credit institutions; and in
accordance with the law or regulations of Techcombank, the Customer must convert overdue debts,
then Techcombank shall have rights to automatically convert all principal outstanding debts into overdue
debts and the Customer must: (i) pay overdue interest under the overdue interest (equal to 150% of loan's
interest rate from the date of overdue debt conversion) for the original debts which have been converted
into overdue debts and the number of overdue days calculated from the date of overdue debt conversion
until the Customer has completely paid the entire loans at Techcombank and (ii) pay fines for delayed
payment of interest debts which have been converted into overdue interest debt with a fine for delayed
payment determined by the following formula: the amount fine for delayed payment is equal to (=) 150%
of loans interest rate applicable to the overdue time (x) the amount of delayed payment interest (x) the
number of delayed days.
9.2 The Customers outstanding debts converted into overdue debts by Techcombank in accordance
with Article 9.1 above shall not affect the Techcombanks implementation to other rights as
stimulated in this Contract and laws, including the debt settlement stipulated in Article 10.2 of
this Contract for debt collection.

ARTICLE 10. LOAN SUSPENSION, EARLY DEBT COLLECTION AND HANDLING OF DEBT
10.1 Techcombank has the right to stop providing loans and withdrawing the whole or a part of loans
before maturity, terminating or suspending the disbursement of loans as stipulated in this contract upon
one of the following events:
10.1.1. Documents, informations and reports related to business activities, loan use, loan purpose, security
assets provided by Customer / Guaranteed party are found to be inaccurate, untruthful and false;
10.1.2. Customers using loans for wrong purposes;
10.1.1. Customers fails to make payment or delay repayment (principal debt or interest rate or fees and
other costs, if any); or arising out of any overdue debts at Techcombank or at a Third Party or the
Customers violation in tax duties;
10.1.2. Customer or Guaranteed Party (if being Organization):
(i) Upon the request / self request for declaring bankruptcy, dissolution, liquidation and no longer capable
of performing the guarantee obligation and payment;
(i) Temporary suspension of production and business activities from 3 months; or splitting, merging,
dissolution, liquidation or change in ownership, equitization or assets mostly used for capital contribution,
joint venture, purchase of shares;
(ii) In relation to the lawsuit, affair, or any change in charter capital, director, limited partners /
shareholders, or any change in business environment that in view of Techcombank, the Customers
repayment capacity may be strictly affected under this Contract;
(iii) Chief Executive Officer, Director and Chairman of the managing board, chairman of the board
members, the companys owner, or other managers of the company which have been arrested, prosecuted,
lawsuited, prosecuted for criminal liability or executed for criminal judgments;
(i) The Customers Assets are subject to distraint, blockade, lien; or
(ii) Violation of any obligation in the Assurance Contract.
10.1.1. Guaranteed Party (if being individual / member of the Business household / Family members):
(i) In relation to the lawsuits and cases which could seriously affect the Customers repayment capacity
under this Contract due to the Techcombanks evaluation;
(ii) which is arrested, prosecuted, lawsuited, prosecuted for criminal liability or executed for criminal
judgments;
(Iii) which is dead, disappeared without other successors by a written obligation certified by the
competent authorities and approved by Techcombank within 15 days as from the date in which the Court
declares for dead or missing;
(I) which is divorced or divided for common spousal properties during the marriage;
(Ii) which has assets subject to distraint, blockade, lien; or
(iii) which is in violation of any obligation in the Assurance Contract
10.1.1. Customers fails to offer, provide in a fully or on time manner related to the evidencing documents
or related to the use of loans under the provisions or requirements of Techcombank; or Customer fails to
perform or conduct improper performance upon the requirements, Techcombank's instructions regarding
the works in order to sign, implement, mainten this Contract, Assurance Contract, including the use of
Third Partys services appointed by Techcombank;
10.1.1. The Customer violates the law, the State's policies, or Customer violates any duties and
obligation in this contract; or
10.1.2. There is a decision of the competent State authorities about Techcombank to recover
debts before maturity; or arising out of events change, issuing new policies and legislation or the
decisions of the competent State relating to the loan, the lending rate, the calculation of interest or
any unforeseen special events /emergencyies such as terrorism, war, riots, strikes, strikes,
slowdowns, demonstrations, natural disasters, or other events affecting (i) business operations of
Techcombank, (ii) influence the right of the principal collection, interest, fees, penalties ,.
Techcombank or (iii) affect the collaterals, or (iv) affect the Customers implementation of this
Agreement as well as the ability to recover debts of Techcombank.
10.1.3. The Customer send a written request for issuing financial obligation guarantee for the Investor to
implement the guarantee obligation in the case the Customer makes a loan for buying house in the future
and the Client slowly hands over the apartment for the Customer as stipluated in the Sale Contract of
Unit C2 - dated June 27, 2015;
10.1.4. Sale Contract of Unit C2 - dated June 27, 2015is declared invalid by competent agencies and , is
canceled and terminated by the buying and selling parties.
2.2.1. Upon occurrence of one or more of the events specified in Article 10.1 above, the Bank is entiled
to, based on the actual situation, choose the appropriate time to decide to recover the debt before maturity
date.
2.2.2. When Techcombank decides to recover debts before maturity date,
All of the principal debt, interest, fees, expenses payable (whether due or undue) under this Agreement or
other credit granting contracts with Techcombank Customer become due debts (called Payables Before
Maturity). The Customer is obliged to pay immediately all previous paybles before maturity;

2.2.1. If more than 30 days after the Techcombanks decision to withdraw debts before maturity, the
Customer does not pay in full the debts to be paid before maturity, Techcombank is entitled to all amounts
owing to overdue debts and aplly overdue interest rates, penalty interest on amounts owed.
10.3 Debt treatment:
When the Customer has any loans turned into overdue debts at Techcombank under Articles 9 and 10
above, the Bank has the right to take all measures to recover the debt with the full cost of implementing
the debt settlement paid by the Customer. These measures include:
(i) Temporary lock/ lockade and deduct money from accounts under the provisions of Article 11.6 of this
Agreement.
(ii) Techcombank directly or through its agencies, organizations and individuals conducts the seizure,
handling the security property to recover the debt;
(iii) Other measures not unlawful in Vietnam at the time of application.
ARTICLE 11. COMMITMENTS AND GUARANTEEE
Customer hereby commits and ensures that:
11.1. The Customer is an organization established and operating legally under the provisions of
the law to enter into and perform this Agreement; The Customer has obtained and will maintain
all approvals or internal authorization relating to the signing and implementation of this
Agreement in line with the charter of the Customer;
11.2. The Customer has researched, well understood and fully accept the regulations and
agreements in this Agreement;
11.3. The collaterals are legal properties and disposals of the Customer or Security Party and
this party has full right to dispose of assets and such collaterals are currently not the subjects of
any warranty transactions or are the subjects of any asset transactions of the Customer or Security
Party (including, but not limited to the purchase, sale, exchange exchange, donation, lease, loan,
joint ventures or other transactions) and not under any disputes with any third party and not be
requested to be settled by any competent authorities;
11.4. The Customer warrants and accepts that all information related to the address, phone
number, email address, fax and other information of Customer mentioned at the beginning of this
Agreement is the information, the address that Customer has registered with Techcombank to get
information from Techcombank including but not limited to debt prompts, interest rate
 announcements, etc. Techcombank notices are sent to Customer via all forms of communication
(including electronic information, such as text messages (SMS), electronic mail (email) v, v.
which are binding to the Customer;
11.3. Customers shall not be complained, lawsuited or be a defendant in economic cases, civil,
administrative or criminal affairs, and having no obligation to enforce the judgment and decisions of any
competent bodies, or not be restricted by any agreement with third parties that may potentially affect the
conclusion and implementation of the Customers obligations under this Contract;
11.4. Security assets are assets owned, legally disposed of the Customer or Security Party and this party
has full right to dispose of assets that guarantee and security assets that are currently not must be the
object of any transaction warranty or are the subject of any transaction on the assets of the Customer or
security Party (including, but not limited to the purchase, sale, exchange exchange, donation, lease, loan,
joint ventures or other transactions) and do not have any dispute with any third party and do not have any
competent authority requiring treatment asset Management to ensure that;
11.5. Customer warrants and accepts that all information related to the address, phone number, email
address, fax and other information of Customer mentioned at the beginning of this Agreement is the
information, the address customers registered with Techcombank to get full information from
Techcombank include and are not limited to just a prompt debt, interest rate announcement, etc.
Techcombank notices sent to Customer via all forms of information (including electronic information,
such as text messages (SMS), electronic mail (email) v, v. Have binding to the Customer;
11.6. Customer agrees with the automatical deduction of Techcombank for his/her account opened at
Techcombank or enables Techcombank to open the Customers account to deduct money transfer for
Techcombank to collect (i) the debts (principal, interest ) loans, fees, fines, payment amounts,
reimbursement, compensation for Techcombank under this Contract or (ii) any debt, other payment
obligations of the Customer for his/her the commitments in Techcombank or other documents signed
between Techcombank and Customer;
11.7. Customer agrees that Techcombank shall provide or publish the information related to the Customer
and this Contract to any third party or in any mass media that it deems to be necessary and Techcombank
shall not need any other written notice to Customer thereby;
11.8. Customer shall open a deposit account at Techcombank and use this account to use credits, make
transactions related to projects in which Techcombank has granted credits;
11.9. Customes is unconditionally committed, in all cases, will use all his/her income sources and all
assets owned and / or his/her legitimate rights to manage and use, cooperate with household members to
pay off the debt obligations to Techcombank under this Contract and other documents, agreements.
Customer is committed to voluntarily implement this commitment in any way, hand over his/her assets
above for Techcombank and assist Techcombank in identifying and dealing with such assets for debt
repayment.
ARTICLE 12. RIGHTS AND OBLIGATIONS OF TECHCOMBANK
Apart from the rights and obligations as specified in this Contract, Techcombank shall also have the
following rights and obligations:
12.1. To adjust abnormal interest rates or suspend, stop / cancel the use of Customers loan due
to the movements of interest rate and the operating mechanism of credit interest rates; In this
case, Techcombank will determine the new interest rate and notify Customer by means of sending
messages (sms) or electronic mail (email) or registered mail to the phone number, email address,
 address of Customer as specified in this Contract. Any notification for interest rate adjustment
shall be binding and valid to the Parties.
12.2. To provide loans and loan disbursement to the Customer under this Contract if Customer
fully meets the Techcombanks conditions as specified in this Contract.

ARTICLE 13 RIGHTS AND OBLIGATIONS OF CUSTOMER

Apart from the rights and obligations specified in this Contract, the Customer also has the following
rights and obligations:
13.1. Be entitled to receive any loan, loan disbursement, request for debt restructuring when the Customer
satisfy the conditions as specified in this Contract;
13.2. Be entitled to make repayment / loan payment before maturity date upon the written consent of
Techcombank and the Customer must comply with the procedures, conditions and fully pay charges /
early repayment as specified in this Contract.
13.1. To create all favorable conditions for Techcombanks inspection, control and supervision
purposes, the use of loan and security assets; to provide documents and informations for
Techcombank during the use of loan at the periodic or unscheduled request of Techcombank;
13.2. To approve the Techcombanks transfer or assignment to a third party (referred to as the
Transferee), implement the whole or a part of the Techcombanks rights, benefits and obligations
under the provisions in this Contract. Simultaneously, Customer is committed to fully implement
his/her obligations under this Contract with regard to the Transferee.
ARTICLE 14: SANCTIONS OF CONTRACT VIOLATION AND DAMAGE CONPENSATIONS
14.1. Except where the Customer breaches its obligations to pay loans, loan interest rates, the
Customer shall bear overdue interest and shall be fined with highest fine level as prescribed by
law for any violation in other obligations under the provisions in this contract at the violated time,
but not less than 8% of the value of violated obligation. Upon the arising out of any violation,
Techcombank will notice in writing of the fined amount and time limit for payment to the
Customer, such notice shall create a valid and binding obligation upon the Customer.
14.2. Customer shall be responsible for compensation of any damage to Techcombank if
Customer breaches its representations and warranties in Article 11 and the provisions of this
Contract that may cause damages for Techcombank;
14.3 If the Customer violates the provisions in this Contract and Techcombank must apply with
measures to handle debt collection under the provisions of this Contract and in accordance with the laws
(including lawsuit measures), Customer shall be committed to make compensation / reimbursement for
Techcombank all expenses and costs with regard to attorney, litigation, travel, communication, copying
and notarization, translation, preparation of proceeding documents, enforcement in accordance with
notices and vouchers provided by Techcombank.
15 NOTIFICATION AND PROVISION OF INFORMATION DURING THE CREDIT
GRANTING PROCESS
Customers are responsible for providing Techcombank:
15.1 Information about the use of loan, any document, voucher related to the use of loan, production
and business situation, the Customers financial statements under the provisions of this Contract within a
period required by Techcombank.
15.2 Customer must notify and provide the relevant documents, information to Techcombank within 5
calendar days as from the day of arising one of the following events or as requested by Techcombank:
 i. Any change in home address, information on security assets and other relevant information that
the Customer has registered with Techcombank in this Contract;
ii. Any case involved in a lawsuit, or capable of threatening to the banks properties or assets of the
Customer or distraint of security assets, freezing of accounts; or any other events that may
adversely affect the use of loan or the repayment capacity of Customer;
iii. Procedure on marriage and divorce, division of spousal common property during the marriage.;
iv. Customers Information on overdue debts incurred at other credit institutions.
16 COMMUNICATION
All notifications and communications between the Parties in connection with the implementation of this
Contract shall be sent to the address and information channels including electronic channels of the parties
at the beginning of this Contract. Customer is responsible to notify in writing Techcombank of any
changes to his/her information on the above address. Any notification related to the address change of
Customer shall be only valid for Techcombank after 05 days as from the date receiving the notice, and
such notification has been updated on the system of Techcombank. Customer shall be fully responsible
for the delay or failure to notify the change in his/her information under the provisions of this Contract.
17 DISPUTES AND DISPUTE SETTLEMENT BODIES:
Any dispute arising out of or in connection with the implementation of this Contract shall be referred to
and resolved by the competent Court of Vietnam in accordance with Vietnamese laws. Unless otherwise
agreed in writing, the Parties will continue to carry out their responsibilities under this Contract
throughout the process when the parties conduct any procedure, proceedings, dispute settlement under the
provisions of this Article.
18. EXECUTION
This Agreement includes This contract, its Appendices and the documents attached to this Agreement,
including but not limited to the debt acknowledgment contract, renewal certificate, payment term
adjustment letter and any explanation and supplements to this Contract, Collection authorization, loan
applications, etc. (if any) which are integral parts of the Agreement and is the entire agreement between
the parties on the issues set forth in this Agreement. This Agreement supersedes any previous
transactions, negotiations or agreements between the parties on the issues set forth in this Agreement. The
parties are obliged to strictly abide by the provisions of this Agreement.
This Agreement takes effect from the date of signing mentioned in the beginning of the Contract. The
Contract will be terminated and be liquidated when Customer has fully paid for all of Techcombank
principal, interest and all kinds of levies, fees, fines, penalty interest (if any), and completed other
obligations in accordance with this Agreement and the parties will sign a contract liquidation minutes.
Any amendments and supplements to this Agreement must be made in writing and must be approved by
both Parties.
In cases prescribed by law to make one or more provisions of this Agreement become invalid, the other
provisions of this Agreement will remain in force.
This Agreement includes the Appendices and its component parts which have been re-read and agreed to
the signing on the date shown above, made in two (02) copies of equal legal validity, the Bank keeps one
(01), The Customer keeps one (01).

REPRESENTATIVE OF TECHCOMBANK REPRESENTATIVE OF CUSTOMER

(Name, position, signature and seal) (Name, position, signature and seal)
Ref: MB18B-SP.SPBL/59 No. of Issuance/Revision: 09/00
HOW TO USE CREDIT AGREEMENT FORM
I. General Guidelines
1. Form No. MB11-HD.TDC / 21 is used when the Customer has incurred credit relation via installment
loan (short, medium and long term loans) with Techcombank.
2. Entities are not allowed to edit, change the content in Part B. The General Provisions. For commercial
terms in Part A. The Detailed Provisions, based on the credit approval specified by the competent
authorities, entities should proactively fill the appropriate information and contents.
II. Specific user guide
1. At the Contract Number, entities should type the Contract Code
2. At the date of the first part of the Contract, entities should complete information with regard to the date,
month, year and place of signing this contract.
3. At the Lenders Information: Entities should actively fill the information into the Lenders section of
the contract. Special attention should bepaid to complete information with regard to Power of Attorney (if
any)
1. In Section of Borrowers Information: entities should fill the Customers information and
specially fill out the mobile phone number of the representatives for receiving messages, SMS
notifications. In case where the legal representative of Borrower who signs the contract, entities
shall actively delete the information related to the authorization. If the contract is signed by the
authorized person, entities should accurately fill out the information of written authorization.
2. In Article 1.5.1: Entities shall mark (X) in the checkbox.
For example, entities and customers agree with the interest rate applied by fixed rate, entities shall mark
(x) in the checkbox of Fixed interest rate and accurately fill out the interest rate under the credit approval.
Entities shall select the interest rate matching with the type of loan and credit approved specified by the
competent authorities
2. In Article 1.5.2: Entities shall mark (X) in the checkbox.
For example, entities and customers agree with the interest rate applied by fixed rate, entities shall mark
(x) in the checkbox of Fixed interest rate and accurately fill out the interest rate under the credit approval.
3. In Article 2: Entities shall actively fill out the conditions for disbursement of credit under the credit
approval specified by the competent authorities
4. In Article 3.1: Entities shall mark (X) in the checkbox. Example: Entities apply the methods of one-
time disbursement, the checkbox of one-time disbursement should be marked with (x).

2. In Article 3.2.a: Entities shall fill out the time when the Customer is required to complete the dilivery
of the proposal for disbursement
3. In Article 3.3: with regard to the loan withdrawal schedule: Entities shall mark (X) in the checkbox.
Example: Customer wants to draw a loan under the time limit for withdrawal, entities shall mark (X) in
the checkbox. "Time limit for withdrawal is ..."
4. In Article 4.1: Original payment plan: Entities shall mark (x) in the checkbox and fill the missing
contents.
Example: Customer would like one-time debt repayment, entities shall mark (x) in the checkbox of " one-
time debt repayment ".
2. In Article 4.3: Method of repayment: Entities shall mark (X) in the checkbox and fill the missing
contents.
Example: Customer would like one-time debt repayment, entities shall mark (x) in the checkbox of
"cash".
3. In Article 5 of loan guaranteed, entities shall mark (x) in the checkbox (s). Example: Customer's loan
has been not only guaranteed by the assets of Customer but the assets of the third party, entities shall
mark (x) in two corresponding boxes.
4. In Article 5.2. Entities shall fill out the detailed information of security assets.
5. In Article 6 regarding other specific agreements, Entities shall fill out the information suitable to the
credit approval as specified by the competent authorities.
2. In Article 6.3: Entities shall fill out other agreements under the credit approval, including other
commitments of the Customer.
3. In Article 10.1 of Loan suspension, early debt collection and debt settlement:
- Nu Khch hng vay khng thuc trung hp c mc ch l vay t cc/k qu/mua nh hnh
thnh trong tung lai, th nu Khch hng yu cu, n v c th ch ng b ni dung ti iu
10.1.9 v 10.1.10.
Nu Khch hng vay thuc trung hp c mc ch l vay t cc/k qu/mua nh hnh thnh trong
tung lai th ti iu 10.1.9 v 10.1.10, n v in chi tit [s cn h nh lin k bit th nh dch v ti
Ta nh, d n, Ch u t] chnh l nh hnh thnh trong tung lai m Khch hng vay t cc/k
qu/mua theo Hp ng tn dng ny
- If Borrowers do not fall under the cases specified in loan / deposit / purchase of residential houses to be
formed in the future, and upon the customers request, Entities may actively remove contents in Article
10.1.9 and 10.1.10.
If Borrowers fall under the cases specified in loan / deposit / purchase of residential houses to be formed
in the future, formation of Article 10.1.9 and 10.1.10, then, Entities should fill out the details [book
special townhouse apartments mansion house in Building services, projects, investors] is to be formed in
the future that customers bond loan / deposit / purchase on credit contracts