Bonds of Crystal Bay Vietnam Joint Stock Company

CRB12501

VN0CRB125012

100,000,000 VND

Private placement

Combination: + First interest calculation period (first 24 months from the date of issuance), fixed interest rate of 9.5%/year; + Subsequent interest calculation periods, interest rate equals reference interest rate + margin of 4%/year but bond interest rate at all times is not lower than minimum interest rate of 9.5%/year. Reference interest rate means the interest rate calculated as the average of the interest rates on personal savings deposits (interest paid in arrears) with a term of 12 months in Vietnamese Dong announced by the Vietnam Joint Stock Commercial Bank for Industry and Trade, the Vietnam Bank for Agriculture and Rural Development, the Vietnam Joint Stock Commercial Bank for Foreign Trade and the Vietnam Joint Stock Commercial Bank for Investment and Development at the head offices of these banks on the interest rate determination date of that interest period, provided that if there is no interest rate of that type from one or more of the above banks on the relevant interest rate determination date, the reference interest rate shall be equal to the average of the interest rates of that type announced by the remaining banks determined on that interest rate determination date. For clarification, the reference interest rate, if not an integer, shall be rounded to 2 decimal places. The interest rate determination date is the 7th working day before the 24th and 48th month from the date of issuance. The interest calculation period is: · The first 48 months from the date of issue: The interest calculation period is defined as each consecutive 24-month period starting from the date of issue to the 24th month or the redemption date before maturity exclusive (whether voluntary or compulsory) of the bond; · After the first 48 months: The interest calculation period is calculated from and including the last day of the immediately preceding interest calculation period to the maturity date or the redemption date before maturity (whether voluntary or compulsory) in accordance with the terms of the bond; · The last day of the interest calculation periods is the 24th, 48th and 60th month from the date of issue or the redemption date before maturity. The last day of the interest calculation periods is also the interest payment date.

27/06/2025

27/06/2030

770 Bond

77,000,000,000 VND

6,780 Bond

678,000,000,000 VND

27/08/2026

Partial redemption of bonds before maturity