CREDIT RATING INFORMATION

A. SOLICITED CREDIT RATING RESULT ANNOUNCEMENT

I. Credit rating purpose: perform credit rating service based on clients’ requests.

II. Corporate, financial institutions and issue rating portfolios.

Corporate rating

1. Kirby South East Asia Co. Ltd ‘s Credit Rating Result (FDI)
2. FreeLand Joint Stock Company’s Credit Rating Result

Financial institution rating

1. Phu Hung Life Insurance Joint Stock Company’s Credit Rating Result (FDI)
2. Phu Hung Assurance Corporation’s Credit Rating Result (FDI)

Issue rating

B. UNSOLICITED CREDIT RATING

I. Credit rating purpose:

1. Research on typical entities in individual specific industry sectors.
2. Build the internal credit rating portfolio.
3. Research and compare the entities that have been rated in each economic sector.

II. Credit rating results

SaigonRatings has performed unsolicited rating for approximately 50 enterprises.

1. Corporate ratings:

• Groups, companies and small and medium enterprises.
• Issuer and bonds.

2. Financial institution ratings:

• Insurance companies (life and non-life), securities companies and investment funds.
• Issuer and bonds.

3. Issue ratings:

• Bonds.
• Loans.

4. Project finance ratings.