On November 22, 2021, the Board of Directors of Viet Nam Joint Stock Commercial Bank for Industry and Trade approved the plan for the 20th bond private placement in 2021 as follows: Bond term: 15 years. Issue volume: 140 bonds. Issue value: VND 140 billion. Bond type: non-convertible, unsecured bond. Par value: VND 1,000,000,000/bond. Issue price: 100% par value. Issue date: in November 2021 or December 2021. Maturity date: the ending date of 15 years from the issue date. Redemption date: the ending date of 10 years from the issue date. Interest rate: 6.5%/year. Issue method: private placement.