DPWCB2326002 Bond

DPW12302

VN0DPW123021

100,000,000 VND

Combination: + First interest period: fixed 11.0%/year. + Next interest period: Bond interest rate = Reference interest rate + 4.0%/year. In particular, Reference interest rate means the interest rate calculated as the average of interest rates on savings deposits for individuals (paying interest later) with a term of 12 months in Vietnam Dong issued by Vietnam Joint Stock Commercial Bank for Industry and Trade, Vietnam Bank for Agriculture and Rural Development, Joint Stock Commercial Bank for Foreign Trade of Vietnam and Joint Stock Commercial Bank for Investment and Development of Vietnam publish on the websites of these banks the date of determining the interest rate of that interest period. Provided that if there is no interest rate of that type available from one or more of the above banks on the date of determination of the relevant interest rate, the reference interest rate shall be equal to the arithmetic mean of the interest rates of that type. announced by the remaining banks is determined at the date of determining that interest rate. For clarity, the reference interest rate, if not an integer, will be rounded to two decimal places. The interest rate determination date for each interest period (other than the first interest period) is the 7th (seventh) working day before the first day of that interest period. In all cases, the bond interest rate is not lower than 11%/year.

26/12/2023

26/02/2026

1,000 Bond

100,000,000,000 VND

maturity

20/03/2026