1. 1 MONTHLY REPORT September, 2009 Accounting, Finance and Investment Prepared by Tran Thu Huyen

2. This month activities and Achievements I) I)Tax monthly reports : VAT, PIT, Withholding tax II) Open Visa Debit card for BOD, Regional Director, BM for business expense

3. This month activities and Achievements  Using Policy  Do not allow withdrawing cash  Users will take the responsibility of card balance, reimbursement for all expense payments (following payment guideline)  The fund will be deposited after finishing clearance of previous advance   Losing Card  : 8 352 66 060 Fee : 50,000 VND (paid by user)

4. This month activities and Achievements II) Open Visa Debit card for BOD, Regional Director, BM for business expense (Cont)  Procedure: BM & Regional fund Transfer to visa card acc. Payment Reimbursement Mark. Acc. V.Debit user 

5. This month activities and Achievements III) Tax Registration for New Branch in Can Tho

6. This month activities and Achievements IV) Followings the payment guideline application, communicated with relevant departments on the purchasing guideline launching (General Administration), Letter of authorization on contract signing (Legal) and Taxi regulations on the business trips (Human Resources). V) Worked with Earns & Young for the half year of 2009 reporting audit. VI) Worked with IT on the Budget system – phase 2.

7. Aug 2009 financial income Aug 2009 financial income Trend of revenue and expense from Jan 09 to Aug 09 ( mil VND) YTD

8. Expense performance Aug 2009 financial income Aug 2009 financial income ( mil VND) Sale expense Administration expense Actual Budget

9. I. Interest Rates   Due to loan subsidy program, VND & USD shortage pushes deposit rates up: - - State-owned commercial banks increased interest rates in VND by 0.5-0.8% pa, and 1-1.5% pa in USD - - Joint stock commercial banks increased by 0.7-1.1% pa in VND and 1.1 – 1.6% pa in USD The average mobilizing rate is quoted as follows (source: SBV): Deposit rateCurrency Demand (% p.a.) 3 months (% p.a.) 6 months (% p.a.) 12 months (% p.a.) State- owned commercial banks VND2.4–3.08.0-8.28.2-8.48.5-8.8 USD0.1-0.51.3-1.81.7-1.852.0-2.5 Joint-stock commercial banks VND2.4-3.68.1-8.78.4-9.08.5-9.3 USD0.1-0.51.5-2.02.0-2.62.5-3.0

10. II. Foreign Exchange rate:   Liquidity was improved thanks to measures from SBV: - - Inject USD into market (~USD1.5 bio) - - Encourage exported enterprises sell back USD for banks => Commercial banks still quoted the exchange rate at the ceiling rate set by the SBV, commonly at 17,820 – 17,830 => Black market: drop by 150 – 200 VND, quoted at 18,260-18,280 VND/USD

11. Project Next Month  Working with external audit for quarterly review – Quarter 3 of 2009  Follow-up and support the departments on the budget 2010. The time line for the 2010 budget  Continue cooperate with IT to enhance Finance system

12. Project Next Month Finish 30 Nov 28 Sep revise 23 Oct revise Parent Com. 6Nov6Nov6Nov6Nov Report 23 Se p 2010 strategy Planning 12 Oct Meeting Depts 30 Oc t Getting approval Acc. Depts 21 Sep Feedback Acc. 5Oct5Oct5Oct5Oct Report BOD