The Board resolution dated October 31, 2022, the BOD of Joint Stock Commercial Bank for Investment and Development of Vietnam approved the following contents:

1. Approved the adjustment of bond public offering:

-          To adjust the bond interest rate range in the second tranche:

• 07 years term: interest = reference interest + range 1.3%year
• 08 years term: interest = reference interest + range 1.4%year.
• 10 years term: interest = reference interest + range 1.5%year.

-          To adjust the issuance time in the second tranche: expected in December 2022 – January 2023.

-          To adjust the progress of using capital in the second tranche: Quarter IV/2022 -Quarter II/2023.

2. Approved the plan for share private placement in Quarter IV/2022:

-          Issuance purpose: to lend to customers

-          Total value of issuance: VND24,000 billion

-          Bond type: non-convertible bond, unsecured and without warrants

-          Issuance currency and payment: VND

-          Bond form: book entry

-          Par value: 100,000,000 dongs

-          Issuance price: 100% par value

-          Bond term: from 01 year to 05 years

-          Number of issue phases: 20 phases; Of which:

-          Distribution time: maximum 30 days from the notice date before the offering

-          Estimated issuance time: Quarter IV/2022

3. Approved the plan for bond private placement to raise capital:

-          Issuance purpose: to increase capital (level 2) to lend to customers

-          Total value of issuance (at par value): VND5,000 billion

-          Bond type: non-convertible bond, unsecured and without warrants

-          Issuance currency and payment: VND

-          Bond form: book entry

-          Par value: 100,000,000 dongs

-          Issuance price: 100% par value

-          Bond term: over 05 years

-          Number of issue phases: 20 phases; Of which:

-          Distribution time: maximum 30 days from the notice date before the offering

-          Estimated issuance time: Quarter IV/2022.