Company Name Change Announcement

Date 26/06/2019

Dear Valued Customer,

We would like to inform you that Prudential Vietnam Finance Company Ltd., (Prudential Finance) is going to change its business name as Shinhan Vietnam Finance Company Ltd., (Shinhan Finance) according to Establishment License amendment No.51/GP-NHNN, dated May 3, 2019 issued by The State Bank of Vietnam (SBV) and Amendment of the Enterprise Registration Certificate dated June 14^th, 2019 by The Department of Planning and Investment, Ho Chi Minh City.

With this change, Shinhan Finance is officially a member of Shinhan Card, number 1 credit card business in Korea and is a wholly-owned subsidiary of Shinhan Financial Group, ranked at 44th among Top 500 global banking brands.

We believe the change of company name will not affect our existing good business relationships and transactions with our customers. We shall continue to provide best in class products and services to you.

By this letter, we affirm that while our business name is changing, our legal status and our office address will remain the same. The company’s business remains fundamentally unaffected by this change and all contracts with existing customers will remain unaltered, with corresponding obligations and rights assumed under the new name. It means all of loan agreements customers signed with Prudential Finance or Shinhan Finance remain unchanged legal effect and our collection partners continue to serve you as normal.

We will keep informing you of some relevant instruction details in the soonest time after completing branding change in the next few days.

Taking this opportunity, we would like to express our gratitude for your continued support and patronage, and we take all of our effort to continue providing you with better service. We look forward to sharing our new look with you from July 2, 2019.

Sincerely,

Atul Dixit

CEO, Prudential Finance