12.4.3.

Party B agree, accept rights of Party A according to regulations of the law and under this
contract, concurrently Party B commit to perform correctly requests, proposals of Party A
occurred from performance of above said rights.
12.4.4. Party B comply regulations, current policies of Party A relating to loan and in cases, these
regulations, policies are changed, Party B commit to perform correctly these changes on
schedule as notified by Party A.
14.5.5. Party B agree and accept that Party A has rights to collect fees, arised expenses relating to loan
of Party A and/or other fees/expenses as stipulated by Party A in each period but in accordance
with regulations of the law, concurrently Party B commit to pay all above fees, expenses fully
and on schedule.
12.4.6. Agree Party A to perform the following measures to recover debts (principal, interest), fees,
penalty, payable items, refund, compensation of Party A
Use, handle all assets and incomings of individuals and family of Party B
Request holder of Party Bs assets, Party Bs family and members to transfer assets to Party
A for handling
Automatically blockade Party Bs accounts openned in Party A or any branches of Party A
Make order for collection, request bank that openned account for Party B to transfer money
to Party A
12.4.7. In case, by applying the law (according to judgement of law court, arbitrator, State competent
agencies) Party A is deducted or revoked a part of interest (including interest in maturity, out of
maturity, fees, expenses, penalty ..(hereafter called as Interest) that Party A is enjoyed under
agreement and this contract, causing actual received amount of Party A is less than calculated
and defined level in this contract (due to applying lower interest rate, revoke a part or the whole
of fees, expenses, penalty.), Party B will have obligation to compensate and refund amount
equal to deducted or revoked amount to Party B so that actual received interest of Party A will
not be less than interest prior to deduction. The obligation of Party B under this commitment is
independent and not depend on any conditions and not cancelled.
12.4.8. When occuring issues that caused significant unfavourable changes, Party A has right to apply
one, some or all the following measures: a) Stop temporarily to perform and/or declare to
cancel acceptance documents, disbursement commitment according to signed credit contracts
and limit contracts; or (b) Change to increase interest rate of loans stipulated in Article 1 herein
and apply to the whole debts of contract within the next period from the changing date in
accordance with regulations of the law at that time; or (c) request Party B to pay additional
increased costs. Applying these measures will be informed by writing by Party A and it has
value for binding obligations of Party B.
Issues caused significant unfavourable changes in this contract are all issues under Party As
opinion and assessment.
(i) Have significant unfavourable effects on stabilization of currency market, capital
balance and mobilization on market, Party As performance in this contract, CPI index
(comsumption price index)s increase exceed 1%/month, increase of basic salary and
basic commodities such as petrol, electric, water, coalexceed 3%/month compared
with price at disbursement time or recent time of interest rate changing.
(ii) Have significant unfavourable effects on Party B, assets or personal financial situation.
Party Bs income or business operations.
(iii) Have effects on contract performance ability and obligations, responsibilities of Party B
under this contract.
(iv) Changes in policies, regulations of State, law, market such as increase of basic interest
rate, tax, expense, fee, forced reserves, deposit insurance..or similar issues under
Party As assessment can increase costs of Party A.

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12.4.9. Party B agreed and recognized that Party A has full right to decide: (a) use, supply, share
information relating to Party B, loans of Party B to any other third parties and (b) study, verify
information from the third party, including but not limit the following information:
(i) Information, documents relating to Party B, loans of Party B; and
(ii) Information, documents relating to transaction between Party A and Party B;
(iii) Any other information and documents
By signing this contract, Party B agree that this agreement has legal value as writing notice
according to regulations of the law that Party A send to Party B when Party A perform works in
Point a, Item 12.4.9 herein without any other writing notices.
12.4.10. Party B accordingly accept that Party B exempt Party A from all responsibilities, obligations in
notice performance about (i) supplying/using information as stipulated in Item 12.4.9 above, or
(ii) adjustment/change of interest rate of loans as stipulated in Article 1 and Item 12.4.8, Article
12 of this contract.
ARTICLE 13. RIGHTS AND OBLIGATION OF PARTY A
13.1. Party A has rights
13.1.1. Refuse disbursement of loans if Party B hasnt met comditions under 0 and Article 7 of this
contract
13.1.2 Inspect, follow, monitor loaning process, loan using and debt payment of Party B as well as
situation of assets for guarantee of loans under this contract.
13.1.3 Determine referred interest rate, term of interest rate adjustment and inform it to Party B
according to regulation under this contract.
13.1.4 Stop temporarily to perform/ declare to cancel acceptance documents, disbursement
commitment if occuring issues that caused significant unfavourable changes as stipulated in
Item 12.4.9 Article 12 of this contract
13.1.5. Recover debts before maturity when having issues as stipulated in this contract.
13.1.6. Is allowed to deliver/ tranfer the whole or a part of obiligations and rights under this contract,
enclosed appendix, supplementation, modification, including rights in claim of principal,
interest, expenses, penalty, unpaid debts, unpaid interest, penalty of late payment, damage
compensation and other expenses (if any) to the third party without Party Bs acceptance
13.1.7. Request Party B to pay lacked amount if their assets for guarantee are not enough to pay
principal, interest (including unpaid interest), expenses, penalty, compensation to Party A
13.1.8. Other rights as stipulated in this contract, related documents and commitments, regulations,
statutes of Party A and the law.
13.2. Party A has obligation
13.2.1. Disburse amount of money to Party B as stipulated in Article 1 herein when Party B has met fully
conditions about disbursement procedures as regulations in 0 and Article 7 of this contract.
13.2.2. In case Party A transfer performance of this contract to the third party, Party A must inform to
Party B in writing.
13.2.3. Other obligations under this contract.
ARTICLE 14. RIGHTS AND OBLIGATION OF PARTY B
14.1. Party B has rights
14.1.1. Is disbursed by Party A when having fully conditions as stipulated in this contract
14.1.2. Propose Party A to consider extension of debts if not to pay in time due to any objective
reasons.
14.1.3. Complain, make a claim if Party A infinge agreements under this contract
14.1.4. Pay debts before maturity according to procedures, conditions as stipulated in this contract
14.2. Party B has obligations
14.2.1. Provide fully and exactly information, documents relating to loans, documents proving use purpose
of loans as Party As requirements and take responsibility about exactness and legitimation of
these information and documents.
14.2.2. Use loans correctly as stipulated purposes in Article 1 of this contract; creat all favourable
conditions for Party A to control, monitor loan using purpose, using process and assets for

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 guarantee; provide information about loan using process to Party A as stipulated in ARTICLE
11 of this contract.
14.2.3. Pay debts fully and on schedule to Party A or the transferee. If not pay on schedule, Party A must
pay interest for late payment amount of money with overdue interest rate stipulated in
ARTICLE 8 herein.
14.2.4. Establish, maintain receiving notice from Party A about referred interest rate, term of interest rate
adjustment according to addresses, methods (email, telephone.) stipulated in this contract;
monitor, update the referred interest rate that Party A promulgate on their website.
14.2.5. Agreed that all queries, complaints about applied interest rate will be sent to Party A in writing
within 10 days maximum (as from the date of promulgating the referred interest rate on Party
As website).. After this time, Part B has not rights to query, compain about applied interest
rate. If Party B has not agreed the referred interest rate, Party B has rights to pay debts before
maturity according to regulations about this payment in Item 6.3.3 ARTICLE 6 herein. The
interest rate apply to Party Bs remaining loans will be the informed and promulgaged rate of
Party A on their website until Party B has paid fully debts.
14.2.6. Party A accetped that Party As interest rate notices, calculation of principal, interest, fees, penalty,
expenses..under regulations of this contract and contract of Party Bs debit will have value to
bind obligations of Party B, except case of happening clear error in calculation.
14.2.7. Pay expenses stipulated by Party A in each period in accordance with the law
14.2.8. Pay other expenses araising from signing, performing, maintaining this contract and/or enclosed
appendix, modification, supplementation.
14.2.9. Compensate all damages to Party A in case of infinging this contract
14.2.10. Accept Party A to deliver or transfer the whole or a part of their rights, interests and obiligations
under this contract and other related contracts, appendix to the third party. Concurrently Party
B commit to perform fully obligations according to this contract and other related contracts,
appendix with that third party.
14.2.11. Open account in Party A or any branches of Party A and use this account to draw funds and
perform transactions relating to the using purpose as stipulated in this contract
14.2.12. Perfom commitments, guarantees as stipulated in ARTICLE 12 and other obligations, related
documents and loaning commitments under this contract and the laws regulations.
ARTICLE 15. TERMINATE CONTRACT RECOVER DEBTS BEFORE MATURITY
15.1. Contract is terminated in the following cases:
15.1.1. Finish loaning period and Party B has paid fully principal, interest, fees and other expenses (if any)
to Party A
15.1.2. Party B has paid fully principal, interest, fees and other expenses (if any) according to Party As
requirement and is accepted to terminate contract by Party A
15.1.3. Other cases agreed by two parties
15.1.4. Party A declare to cancel contract under regulations in Item 15.1.5 below;
15.1.5. Contract cancellation: Party A has rights to cancel contract and request Party B to compensate
damages if having one of the following issues:
Party B hasnt performed to draw funds during stipulated period in this contract
Party A cant disburse because Party B hasnt met conditions for disbursement
Information that Party B provide to Party A is not exact and correct.
15.1.6. In cases, Party A declare to cancel contract as stipulated in Item 15.1.5. above, Party B must bear a
penalty with rate of 8% of contract price and make a compensation for assessment, valuation
costs and other arised expenses that Party A has paid without any evidences.
15.2. Right to recover debts before maturity
Party A has rights to recover debts before maturity if happening one of the following issues:

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15.2.1. Party A realized that documents, information provided by Party B or Party Bs information and
reports relating to business operations, loan using, loaning purpose are not exact, correct and
untrue.
15.2.2. Party B used loans with incorrect purposes
15.2.3. Party B hasnt paid or paid with delay (principal or interest, penalty for late payment or fees and
other expenses if any) or arised any unpaid debts with Paty A or the third party or infinged tax
obligations.
15.2.4. Party B infringed any commitments, obligations as stipulated in this contract and/ or related
contracts, commitments.
15.2.5. Party B or one of guarantors, the third paties who morgaged/pledged Party Bs assets for
guarantee, together paid:
a) If the third party is individual:
Concerned lawsuits, cases that under Party As opinion it can cause serious effects on
debt payment ability of Party B according to this contract
Arrested, imputed the criminal blame or must implement a criminal verdict
Died or disappeared or left residence without contract address notice or couldnt contact
during 3 months at least.
Divorced or shared common properties of husband and wife in marriage period
Most of assets are distrained, blockaded, holden
b) If the third party is organization:
Is requested or request to declare bankruptcy, bankrupted, dissolved, liquidated or died
(if is individual), is not enough capacity to perform warranty obligations.
Stopped temporarily production and business operation during 3 months at least or
divided, separated, merged, dissolved, liquidated, exchanged ownership, privatized,
transferred ownership or use most of assets to contribute capitals, joint venture, buying
shares.
Concerned lawsuits, cases or had changes about share capital, Director/Geneal Director,
capital contributor/shareholder or changes about business environment that under Party
As opinion it can cause serious effects on debt payment ability of Party B according to
this contract.
Director, Chairman of Board of Directors, Chairman of Board of Members, Chairman of
Company, Legal representative of enterprises, High level leaders of enterprises are
asrrested, imputed.
Most of assets are distrained, blockaded, holden
15.2.6. Party B hasnt provided all or sufficiently and on schedule documents, evidence about loans using
and other documents, evidences if any relating to loans using under regulations and
requirements of Party A; or Party B hasns performed all or incorrectly requirements,
instructions of Party A relating to works of signing, implementing, maintaining this credit
contract, including using services of the third party appointed by Party A.
15.2.7. Party B infringed debt payment obligations with any other lenders or Party B is requested to pay
debts before maturity by any lenders or infringed tax payment obligations.
15.2.8. Party B infringed the law, the state policies or any their obligations, responsibilities under this
contract, security contract or any other contracts, documents, agreements between Party A and
Party B.
15.2.9. Had petition, decision of state competent authorities on requesting Party A to recover debts before
maturity; or arised changes, promulgated new policies, laws regulations or state competent
authorities decisions relating to loaning, interest rate, interest calculation ways.that caused
effects on (a) business operation of Party A, (b) Party As rights in collection of principal,
interest, fees, penalty.or (c) contract performance and debt collection ability of Party A.
15.2.10. Changed conditions of market or any changes, issues that under Party As assessment, it will
cause effects on operations, business, business fields of Party B and/or Party Bs business
methods and projects used loans from Party A, financial situation as well as debt payment

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 capacity of Party B or Party As loaning maintainance ability or stabilization of currency
market, capital balance and mobilization and performance of this contract of Party A.
15.2.11.Occurred issues that have caused significant unfavourable changes or any other issues for
collection of debts before maturity as stipulated in this contract , or issues that under Party As
assessment, consideration it can effect on full and timely debt payment ability of Party B.
15.3. Settlement in case of recovering debts before maturity
Party A has rights to recover debts before maturity if happening one of the following issues:
15.3.1. Decide to recover debts before maturity: When happening one of some issues as stipulated in Item
15.2 above, Party A has rights to decide to recover debts before maturity.
15.3.2. When Party A decide to recover debts before maturity:
a) All principal, interest, fees, payable expenses under this contract (come to maturity or not)
will become mature debts (called as Payable Debts Before Maturity). Party B must has
obligations pay all above Payable Debts Before Maturity.
b) Party A has rights to perform all specialist measures to recover all Payable Debts Before
Maturity, Overdue Debt. These measures include:
Party A withdraw money automatically from deposit account or any other amount of
money, any other assests of Party B at Party A or any branches of Party A to recover debts.
If Party B has deposit account at any other credit organization, Party A has right to make
collection order to recover debts and inform Party B to know.
Handle assests for guarantee and/ or assests that created from loans (if any)
Other measures are conformable to Viet Nams law at the time of application.
15.3.3. If exceed 30 days as from the date that Party A decide to recover debts before maturity but Party B
hasnt paid Payable Debts Before Maturity fully, Party A has rights to tranfer all unpaid amount
to overdue debt items and apply overdue interest rate for these items.
15.4. Penalty in contract infringement and damage compensation.
15.4.1. Party B must bear penalty level in contract infringement from 2% to 8% of contract price for any
infringements as stipulated on this contract. Party A has rights to decide specific penalty level
and inform in writing to Party B, this writing notice has value in binding Party Bs obligations.
15.4.2. Not depend on contents of Item 15.4.1 above, in cases, Party B infringed contract or arised
disputes and it is transferred to settle by law court as stipulated in ARTICLE 18 of this contract,
Party B has obligations to compensate damages about lawyer costs, transportation costs, contact
fees, fees of copy, notarizing, documents translating, litigation documents preparing, verdict
implementation fees equal to 3% value of total loans under this contract (but not less than the
minimum level: 30.000.000d Thirty million dongs) without proved documents, evidences of
damages.
ARTICLE 16. CONFIDE TO PERFORM CONTRACT.
Party B afterhere recognize, agree that performance of this contract, requests of drawdown,
disbursement, debt extension proposal, debt period adjusment, reports, information and
document receiving & exchange, confirmation of principal & interest, documents, transactions
relating to this contract will be implemented and signed by: (i) one of borrowers belong to
Party B signed the name in this contract; or (ii) all borrowers signed the name in this contract,
both of all have legal value to bind Party B under this contract.
ARTICLE 17. CONFIDE TO PERFORM CONTRACT.
17.1. All notices, exchanges of information relating to this contract between two parties are
performed as follows:
17.1.1. Party A send information to Party B following to address and methods (address, SMS to mobile
phone, email, fax) and Party B receive it at place with address as mentioned in the first part
of contract or in notice of address change of Party B in each period. Party B has reponsibility to
inform, register in writing about changes of above-mentioned addresses to Party A. All notices,
address change registrations of Party B will come into effect after 5 days as from the date that
Party A has received notices or after information of changed address has updated on Party As
system.

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17.1.2. Party B send information in writing to Party A following to head office address as mentioned in
the first part of contract
17.2. Notices, information exchanges relating to this contract will be made by one party and sent to
another by the folloeing methods and it is supposed to receive by that party at the time:
a) Paper writing is sent directly to related person with address as mentioned in the firt part of
this contract;
b) The next working day of the date of sending paper writing by registered letter to address as
mentioned in the first part of contract
c) The next working day of the date of sending writing by fax with fax number mentioned in the
first part of contract and fax machine inform successful sending.
d) On date that Email/ SMS (electronic mail or message) of Party A are sent (The sending time
of Email/SMS is time that Email/SMS go out of communication system of Party A)
17.3. In case, Party B appointed representative to receive litigation documents, notices, information
exchanges they will authorize and appoint this representative to receive all litigation
documents, notices, information exchanges between Party A and/or State competent agencies
and Party B in performance of this contract and other related documents, concurrently agreed
that:
a) Party A or state competent agencies has full rights to decide to send litigation documents,
notices, information exchange, other documents to Party B through their representative or only
send separately to the mortgager or send to both Party B and their representative.
b) Party B is supposed to receive litigation documents, notices, information exchanges that sent
by Party A and/or State competent agencies if Party Bs presentative has received these
documents or Party B has received it according to regulations under this contract.
ARTICLE 18. DISPUTES AND AUTHORITIES SETTLE DISPUTES
18.1. Authorities settle disputes: If occurring disputes in performance of this contract but all parties
could not come to general agreement, disputes will be transferred to settle by the competent
law court in place that Party A has their head office or branches.
18.2. Responsibility of payment of fees, expenses: Losing party must bear all legal costs, fees and
arised expenses relating to dispute settlement
18.3. Continue to perform contract: All parties will continue to perform their responsibility under this
contract during litigation period mentioned herein except there is other agreement in writing.
ARTICLE 19. OTHER AGREEMENTS
19.1. Costs:
19.1.1. Costs: Party B agree, accept to pay/refund to Party A all actual arised expenses for signing,
performing, maintaining this contract (are expenses that Party A must paid when using services
of the third party or Party A themselves performed works). These expenses include, but not
limit: (a) contract notarizing fees, registration fees of secured transaction, assessment fees (in
cases, Party A must hired independent assessment organization without using their asset
assessment services), translation fees, advertisement fees in the paper, transfer fees of loans
from Party A to Party B if Party Bs account is not in same bank system with Party As account;
(b) fees of valuation, analysis, consultancy, legal fees, deposit insurance fees, forced standby
fees, fund preparing fees.and other reasonable expenses, but all cases the total expenses in
this point (c) are not exceeded the agreed level in this contract, except cases Party A provide
evidence of actual outgoings more than it.
19.1.2. Within 10 days as from the date that Party A has requested or instructed, Party B must pay all
expenses as mentioned in Item 19.1.1 above to Party A according to regulations in Party As
notice (can enclosed documents of the third party or not) including cases that Party B
nominated/is nominated this contract prior to disbursement time. If Party B pay these expenses
in delay, Party B must pay interest for late paid amount with interest rate as stipulated in
ARITICLE 8 of this contract
19.1.3. Increased costs: Party B must pay to Party A all increased costs if arising one of issues: (a)
changes in the law such as: tax increase, forced standby increase, standby, insurance.; (b)

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 changes, fluctuations of market interest rate caused increase of promotional rate of Party A
exceeding 20% compared with promotional rate at time of loaning/disbursing (hereafter called
as Issues make cost increase). After immediately occuring these issues, Party A will
calculate and inform the increased costs to Party B and Party B must has obligations to pay it.
Within 15 days as from the notice day, Party B must refund the increased costs as stipulated in
Party As notice. If Party B pay this increased cost in delay, Party B must pay interest for late
paid amount with interest rate as stipulated in ARITICLE 8 of this contract
19.2. Supplementation
19.2.1. All parties commit to perform fully and correctly agreements in this credit contract. During
performance process, if one of parties or both parties need to change any committed articles,
two parties will discuss, agree to sign supplementation and modification of contract.
19.2.2. All supplementations and modifications of this credit contract must be made in writing under
agreement of both parties.
19.2.3. In cases, contract of security (mortgage, pledge, guarantee) used as a security for loans as
stipulated in this contract is signed, notarized, registered, modified, added once again, this
contract is not necessary to resign or modify accordingly, it will continue as guarantee of debt
payment obligations of Party B.
ARTICLE 20. CONTRACT VALIDITY AND PERIOD
20.1 Validity: This contract comes into effect since the signing date.
20.2 Contract period: This contract has validity from the signing date until Party B has completed
payment obligations of debts, interest, fees, expenses, penalty (if any) as stipulated in this
contract.
20.3 Partial validity: If having any articles, items of this contract is voided according to judgement
or competent authorities or changes of the law, other articles, items of the contract will still
have validity. All parties will dicuss, agree to modify, add again these articles, items based on
the remaining articles, items of this contract or regulations of the law. Regard to arised issues
that are not stipulated in this contract will apply current regulations of the Vietnams law to
settle.
20.4 Contract quantity: This contract includes 20 (twenty) articles, is made in 03 (three) originals
with same legal value, Party A keeps 02 (two) originals, Party B keeps 01 (one) original. All
documents that enclosed this contract or severed performance of this contract (such as
Mortgage contract, pledge contract, security contract, debit contract and debts payment
commitment..) are integral parts of this contract.

LENDER BORROWER
(Signed and Sealed) (Signed)
Tran Thi Minh Thao Nguyen Thi Kim Loan

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