Page 47 - E-BOOK

Normally, after signing an agreement for NPLs purchase, the Company will have a period to verify claiming
rights and collaterals and has the right to return the NPLs to the seller in case of some incomplete conditions such
as not receiving the certificate of ownership required for initiating the legal process against debtors or not delivering
the collaterals completely. These conditions may be different for each agreement in the past. The Company used to
make an agreement with the NPLs vendors about sharing of profit from NPLs management. However, the Company
has no obligation in such manner at present.

(3) Debt restructuring
The following flow chart depicts the Company’s process for NPLs management and debt restructuring 45

When the Company purchases the NPLs from the financial institutions, the Company will contact the
debtors, guarantors, pledgers and mortgagers of the Company’s ownership of the debts.

When the Company contacts the debtors, it will invite the debtors into negotiation with the Company to enter
the debt restructuring process. In case of not being able to reach the debtors, the guarantors, mortgagors, and
pledgors, the Company will enter the court proceedings with such debtors. For debtors with incompleted debt
restructuring, the debt restructuring process will be carried out together with the court proceedings to create the
condition of collateral foreclosure with objectives to reduce the operating time for debt settlement.