VPBank SMBC Finance Company Limited corporate bond (VPFCH2224004)

VPF12204

VN0VPF122048

1,000,000 VND

+ The interest rate applied for the first interest calculation period is 6.8% per annum. + The interest rate applied for the second interest calculation period (the final interest calculation period) is the reference interest rate of that interest calculation period plus a margin of 2% per annum. The "reference interest rate" is the 12-month fixed-term deposit interest rate for institutional/corporate customers (determined by the average interest rate published on the websites of four banks: Viet Nam Bank For Agriculture and Rural Development, Joint Stock Commercial Bank for Investment and Development of Vietnam, Vietnam Joint Stock Commercial Bank for Industry and Trade, and Joint Stock Commercial Bank for Foreign Trade of Vietnam, each of which is referred to as a "reference bank") on the interest rate determination date for the second interest calculation period. The "interest calculation period" means each continuous 12-month period throughout the bond term. In which, the first interest period is calculated from (and includes) the issuance date until (but does not include) the date of 12 months from the issuance date and the second interest period will be calculated from (and including) the date of 12 months from the date of issuance until (but not including) the maturity date or early redemption date or the date on which the bonds otherwise mature in accordance with the bond terms and conditions. The "interest rate determination date" means the fifth working days preceding the first day of the second interest calculation period.

27/05/2022

27/05/2024

500,000 Bond

500,000,000,000 VND

maturity

10/07/2024