SAGES System Change Request ‘Subst this form to OS. Div ster getting approval. OS. Div wil inform CRI by email upon receive form wit fuly authorized personnel, 1. SUBMITTER - GENERAL INFORMATION [Type of CR Enhancement [I Defect Division Loan Management Name of System FLEXCUBE Briof Description of (Create the screen of interest rate calculation at “CLDACGRY” screen. Request This report can export to excel file. Priority F Low TF Medium iF High FF Mandatory [Reason for Change - Working |To show the detail of the report at court, JIVF requires that the Note, as the footer of the report, will show the detail of the formula, [Effectiveness [Assumptions and Notes __| This report is applied for both existing and new customer, [Comments [Attachments or References |jv Ves F No Link: Date and Signatue Date Request | Request by ‘SMD. Manager E, Manager | 09 May 2023 | jb | 2. SYSTEM INITIAL ANALYSIS. CRE CROLEY [Duration Impact [Schedule Impact [Cost impact Recommendations 3. CHANGE CONTROL — DECISION Decision Date Decision Explanation Conditions Decision T Approved |” Approved with Conditions [I~ Rejected [FF More Info Notes (Approval Signature ‘SwiD. Manager | E.Manager CR should be completed and approved by OS. Div before issuing Application to GW bahady of GU (OS GR form Version 1.1: 03/10/17 Page 1 oftWORK REQUIREMENTS Created by: Loan Management Create the screen of interest rate calculation at “CLDACQRY” screen, this report can export to excel file. Note as footer of report: * Billed interest rate = "schedule details" - Please note on report footer how to calculate to this number (it is required by court when this loan have issue with court * Number of day for calculating = Next due date~ Previous due date * Overdue interest rate = Interest rate * 150%/365 * Overdue days = Posting Date (paid date) - Due date 2) Late charge amount/overdue principal = Overdue days * Overdue interest rate * Billed Monthly principal ) Late charge amount/overdue interest ~ Overdue days * 10%/365 * Billed Monthly interest * Billed Monthly principal Formular ‘The purpose is to show the detail of the report at court, JIVF requires that the Note, as the footer of the report, will show the detail of the formula, > New requirement: this report is applied for both existing and new customer. Template for mceresteteulatingHep anpime,so6/Otsis Shep srpiin s94/0st. a) exsemuanpaig= vormu,ynjoredpuncanping= OF eo B40 wea onpsengfunouse (rou > ube ud youn Auge Shep aie) spraxgfinowt ating are, shepanpreng s0}hep 0 9qum oocreace eoconvee reorsoee oxoe eee ‘yoda ‘nto uae siemparenes, eenpieang seeisenap arom, "wo ePID (orn 309 eH A) omeandouig me su Pes ap suompesuen uowheg veeud deaene) eres agen’ tytn Ayquoyypoua sersese mayo rere ap ep 0 i901 onveae'se seersJIVE Form C (ver. 17/4/18 ) aaa [Apoiving Date Application on Asset-Purchase / Investment [apptiod No. REBA- RAORRE Management (MC Members) RAnCennn ‘Applying Division / Department Lelglo] oo il set [a] veo exeaeve irae] See | Mama | coecker wi IACCSN tra) 0 Divina LOAN MANAGEMENT Contens crest Mover ata) NGUYEN THI HO TD) Asset tobe puchesed (Name, Price, Number le E Application for creating new screen of new eee #/2| — calculating overdue interest & overdue late charge according to Circular 39/TT- NHNN (CR0228) | VND 3,812,000,000 (exclude VAT) #3 ‘Years for dopreiation (3580850) 5 (Win Budget auaget VHD RL, Consumes: VND) © ostot Svege 1. Applied Asset-Puchese / Investment for Approval (5 iH % # HEME AJ # P35). Loan Management Division (LM) would lke to seek BOD's approval to implementing one function of new calculating overdue interest & overdue late charges in the Flexcube system so that LM makes the lawsuit petition smootly. 4.4 Contents for BOD's approval: Subject ofthe CR: Enhance the function of overdue interest & late charge calculation accoridng to Circular 39/TT-NHNN Price 3,812,000,000 VND (exclude VAT). This price is valid until 11th June 2023, Estimated time 08 weeks Note: The vendor sent te quotation in 2022, the offerred price is 7,961,021,000 VND for 02 requirements. LM discussed with ‘vendor many times to reduce the price. LM keeps 1 requitement & ask vendor to reduce price. This isthe sale off price. 1.2 Status: Current practice Unit: Number, VND Subject 1. Number of overdue accounts need to make lawsuit petition 2. Number of actual accounts made lawsuit petition 3. Current Average Processing time of calculating overdue interest & late charge table manually (minutes) 4. Number of pending accounts have not made lawsuit petiton (1-2) 5. Total processing time of pending accounts which have not made lewsutt pettion (3 * 4) (minutes) s. if applying the new payment order according to Circular 39, it takes too much more time for calculating overdue Interest & late charge than current. So, we estimate the new processing time to make the overdue interest & late charge| calculation as below: 6.1. Average estimated Processing time of calculating overdue interest late charge table manually (minutes) 506.2 if we don't build up new function, number of overdue accounts which have not made lawsuit lcettion will be increasing, Total estimated processing time of pending accounts which have not 8850 Jmace lawsuit petition (4* 6.1) minutes 7. If we apply building up new function, number of overdue accounts which have not made lawsuit petitionwill be ldecreased 7.1. Average estimated Processing time of calculating overdue interest &late charge table manually | (minutes) 7.2 Total estimated processing time of pending accounts which have not made lawsuit petition (4 * 7.4) (minutes) 7.3 Save processing tme (7.2 - 6.2) (minutes) 4.1 Average Employee salary/t minute (VNO) Note; a) 1 lawsuit petition fle includes: Petition leter + Notarized of POA of General Director & Senior Executive Manager/Senior Manager & all documents of customer + The detailed of interest & overdue interest & late charges calculation (tis table must list all interests from released date). ») Depending on the used tenor of 1 contract, i the used tenor s higher than > 1 year, the time processing of making the detailed of interest & overdue interes & late charge is more complication and taking 80 much time. ¢) we apply building up new function, LM wll run operations smoothly & can save cost monthly. 2, Rationales for Approval (#38: = Due to affected by the Decree 91/2020/ND-CP issued on June 14, 2020 regulating anti spam messages, spam emails, {pum cals uncng onagnin aa lan unin mary efiaen oon Sty eta, sode memos SSoud det aromas LM mus srenaion twat petton nthe ner ois peton wi rege rnty net ne Enhance the function of overdue interest & late charge calculation helps LM save processing time & save cost for recruiting ‘more litigation staffs as well as saving cost for buying heelth insurance, social insuarance and paying bonus end of year. attachments (3 (9 208) ~The newest quotation from vendor ~The old quotation from vendorNew qu oda fim JACCS International Vietnam Finance Company Limited and IBM Vietnam Company Limited Addendum to Scope of Work 1810VN001 between JACCS Intemational Vietnam Finance Company Limited and IBM Vietnam Company ited for the Hire Purchase System using Oracle Flexcube (This addendum to be effective since both parties sign)‘Addendum — SOW for Hire Purchase System using Flexcube in Ho Chi Minh City, the parties including: JACCS International Vietnam Finance Co., Ltd. (“JIVE”) 15F, Centee Tower, 72-74 Nguyen Thi Minh Khai, Vo Thi Sau Ward, Fax: (84-28) 5404-3882 Position: General Director Today, as of... PARTY A: Head office address: Distriet 3, Ho Chi Minh City ‘Telephone: (84-28) 5404-3870 Tax ID: 0309985680 Representative: Mr. Yoshikawa Takeshi, PARTY B: Business license certificate number: 011043000544 IBM VIETNAM COMPANY LIMITED (“IBM”) Head office address: Ng 29 Lieu Giai - Ngoc Khanh Ward — Ba Dinh District - Hanoi Telephone: (84-24) 3946 - 2021 Fax: (84-28) 3946-0203 Tax ID: 0100112490 Representative: Ms. Nguyen Thi Van Anh Position: Chief Financial Officer Letter of Authorization dated 28" January 2022 by Country General Manager of IBM Vietnam. Co., Lid Account number Opened at: Have agreed as follows: 0200539 001 (USD) or 0200539 028 (VND) CITIBANK, N.A, Hanoi Branch 1 Amendment Scope of SoW 1810VNOO1 1.1 Scope of service Requirement Approach ‘Greate the sereen of interest rate calculation at “CLDACQRY” screen, this report can export to excel file, Note as footer of report * Billed interest rate = "schedule details" - Please ‘note on report footer how to calculate to this number (itis required by court when this loan have issue with court * Number of day for calculating = Next due date~ Previous due date * Interest rate = Latest applicable interest rate * Overdue days = Posting Date (paid date) - Due date 4) Late charge amount/overdue principal = Overdue days * interest rate *150%/365 * Billed Monthly prineipal ) Late charge amounvoverdue interest = Overdue days * 10261365 * Billed Monthly interest * New report to show the interest calculation details as per the requirement for both main interest, late payment penalty charges along with late payment fee, + Two separate sections will be added one for main interest and another for late payment penalty calculation and not in, single section as per the requirement, + Late charge amountioverdue interest will be shown provided this is already configured in the system and data is, available, * For a single due date, multiple records will be shown to ‘explain the calculated interest and penalty‘Addendum ~ SOW for Hire Purchase System using Fiexcube Requirement Approach * Billed Monthly principal Formula, The purpose is to show the detail of the report at court, JIVE requires that the Note, as the footer of the report, will show the detail ofthe formula. New requirement: this report is applied for both existing and new customer. ‘To purpose show the detail of the report as court, JIVE requires that the Note as the footer of the report will show the detail of the formula. | + New requirement: this report is applied for both existing and new customer. 1.2 Deliverable Delivery of Functional Specification Document 2 Project Exelusions Following items are considered out of scope: - Installation, configuration and maintenance of hardware, = Installation and maintenance of any system sofware or any application software that is not part of the Oracle software yet is needed for the correct functioning of the Oracle FLEXCUBE software. = Any other customizations that are not listed as a part of the Scope ~ Implementation and Testing of any third-party interface. - Test plan preparation and Execution of System Test, System Integration Test and User Acceptance Testing - Planning and Execution of Performance Testing - Infrastructure assistance and infrastructure maintenance (hardware of server, Operating System, Database, Middleware, Application or Network device, firewall, storage, load balancing or any part of infrastructure) - Upgrade current version of Flexcube, Middleware, BI, Database Project Assumptions - The customization project plan and timelines are indicative and are to be revalidated post requirements, customization scope and solution finalization. ~ Any change to the scope post requirements finalization will result in modification of the cost and time schedule for the project. - All project milestones need to be signed off on completion by JIVE. Delay in providing the sign-off could impact subsequent delivery / tasks. ~ JIVE has to signoff the FS document that would be shared by IBM before the start of development. The Development will be based on the FS document- any changes to FS post development will have to undergo a PCR process. - All internal and external systems required for testing the interfaces to backend systems are expected to be available as and when the System Integration and User Acceptance Testing phases are scheduled.Addendum — SOW for Hire Purchase System using Flexcube 5 All project documentations will be in English It is assumed that the JIVF will identify the core project team before commencement of the customization and plan their schedules to meet the agreed project timelines. JIVF's Project Team representatives will be responsible for coordination within JIVF’s business, coordination between various vendors during System Integration work and testing, and for infrastructure maintenance. Bank to provide direct and remote access to the project development and test environment (including server, network layer, operating system, database, and application software) over the VPN for the entire project duration, for IBM Onsite and Offsite resources. IBM's offsite resources working out of the other IBM's offices will use the VPN connectivity to work directly in the project development and test environments, JIVE Obligations Provide timely and prompt feedback on customization queries Provide continued availability of key business users and OS staff for the duration of the project. Provide the necessary developers, business domain experts, infrastructure experts, and other resources required to effectively conclude this engagement. JIVF shall identify and document high level requirements on various products and its associated parameters, JIVE shall pro-actively prepare integration and User Acceptance Test (UAT) plans and scripts prior to the commencement of these activities. JIVE shall sign-off all relevant artifacts, documentation, and project related milestone deliverables, if any. IVF shall provide support to address queries on the customizations. IVF will ensure you will provide requirement specification on which IBM will customize list for Software. ‘Completion Criteria IBM shall have fulfilled its obligations under this addendum when IBM accomplishes the IBM responsibilities described in the sections 1. Amendment Scope of SoW 1810VN001 6 Project Plan Start date: estimated at 1% Jul 2023 after two parties sign off this addendum and project change request #12 and project change request #13, project change request #14 wo W1 W2 W3 W4 WS W6 W7 WB Contract Signing Delivery of FS Delivery of Customizations UAT Support Go Live Post Live Support ‘The total price of the IBM scope for this Addendum is on the basis of the lump sum price of 000 (Vietnam Dong Three Billion, eight hundred and twelve million) exclusive‘Addendum ~ SOW for Hire Purchase System using Flexcube of expenses for onsite, airfare, accommodation, local conveyance, visa/work permit, daily living expenses, Value-added tax (VAT) and other taxes (if any). This price to JIVF and be valid un 11 une 2005, IBM reserves the right to revise any one or all these prices any time thereafter. The payment milestones will be as follows: No. Percentage Amount Milestones (%) (VND) 1 | Payable upon signing addendum and JIVF 50 1,906,000,000 receive IBM invoice 2 | Payable upon week 04 of implementation and JIVF receive the report of completion 50 1,906,000,000 task at week 04 8 Application of the Agreement (a) (b) () () This Addendum is valid after project change request #12 and project change request #13 signed off by both parties. All agreements of the parties remain governed by the terms and conditions of the SOW 1810VNOO1, Project change request #12 and Project change request #13 except to the extent supplemented or varied by the terms and conditions of this Addendum, ‘This Addendum constitutes an integral part of main SOW 1810VNOO1, Project change request #12, Project change request #13 and independent with other addendums End Date: this addendum will end at the same date with End Date as in the Referenced SoW, Project change request #12 and Project change request #13 which is 31st July 2026.‘Addendum - SOW for Hire Purchase System using Flexcube Executed in two originals in English. IBM will provide 1 copied of Vietnamese translation for reference. Signed for and on behalf of JACCS International Vietnam Finance Company Limited by its General Director and Legal Representative Print Name Position Signed for and on behalf of IBM Vietnam Company Limited by its Legal Representative Pi Position ACRONYMS AND ABBREVIATIONS Abbreviation Detailed Deseription FCUBS FLEXCUBE Universal Banking Solution DR Disaster Recover Environment re Primary Production Environment SOW a Statement of Work No. 1810VNOO1old qu JACCS International Vietnam Finance Company Limited and IBM Vietnam Company Limited Addendum to Scope of Work 1810VNO01 between JACCS International Vietnam Finance Company Limited and IBM Vietnam Company Limited for the Hire Purchase System using Oracle Flexcube (This addendum to be effective since both parties sign)‘Addendum - SOW for Hire Purchase System using Flexcube Today, PARTY A: Head office address: Telephone: Tax ID: Representative: PARTY B: Business license certificate number: Head office address: Telephone: Tax ID: Representative: ... in Ho Chi Minh City, the parties including: JACCS International Vietnam Finance Co., Ltd. (“JIVF”) 15F, Centee Tower, 72-74 Nguyen Thi Minh Khai, Vo Thi Sau Ward, District 3, Ho Chi Minh City (84-28) 5404-3870 Fax: (84-28) 5404-3882 0309985680 Mr. ISHIT YOSHIHIRO Position: Executive Manager and Senior Executive Manager of Bussiness Planing Division, Finance Division and HRA Division IBM VIETNAM COMPANY LIMITED (“IBM”) 0100112490 2nd Floor, Pacific Place, 83B Ly Thuong Kiet, Tran Hung Dao Ward, Hoan Kiem District, Hanoi (84-24) 3946 - 2021 Fax: (84-28) 3946-0203 0100112490 Ms. Nguyen Thi Van Anh Position: Chief Financial Officer Letter of Authorization dated 28" January 2022 by Country General Manager of IBM Vietnam Co., Ltd Account number: Opened at: 0200539 001 (USD) or 0200539 028 (VND) CITIBANK, N.A, Hanoi Branch Have agreed as follows: 1 Amendment of Chapter 3.2 — Project Scope ‘The parties agree to add section 3.2.19 ~ Provide customization for JIVF CRO28 per as request from JIVE: 1.1 Scope of Services -Requirements The following customization will be provided on Oracle FLEXCUBE Universal Banking v14.1 at JIVE production site: Requirement Approach Create new tab on screen “CLDACQRY” to | a, The requirement is to add a new block in check interest rate changed history custom query screen to show the main interest rate UDE values history‘Addendum ~ SOW for Hire Purchase System using Flexcube On this tab it allows to export report as excel file (the template of report contains the same data on the tab form). New form tab template expectatio: b. New block will be added to show UDE changes in CLDACQRY. * Basic interest rate is rate code actual value as on effective date. * The UDE block show details only for multi-interest product accounts. * This works only for new account created afier the customization changes as fix interest rate is not available for existing accounts currently. Fix interest rate details will be shown for existing accounts and shows as null. * No processing changes and only displays the values in enquiry screen CLDACQRY. Create the screen of interest rate calculation at “CLDACQRY” screen, this report can export to excel file Note as footer of report: * Billed interest rate = "schedule details" - Please note on report footer how to calculate to this number (it is required by court when this Joan have issue with court * Number of day for calculating = Next due date— Previous due date * Overdue interest rate = Interest rate * 50% * Overdue days = Posting Date (paid date) - Due date * Late charge amount = Overdue days * Overdue interest rate * Billed Monthly principal * Billed Monthly principal Formular The purpose is to show the detail of the report at court, JIVF requires that the Note, as the footer of the report, will show the detail of the formula. a. New report to show the interest calculation details as per the requirement for both main interest, late payment penalty charges along with late payment fee. b. Two separate sections will be added one for main interest and another for late payment penalty calculation and not in single section as per the requirement. 1.2 Project Exclusions Following items are considered out of scope # Descriptions‘Addendum — SOW for Hire Purchase System using Flexcube wR 10 14 Installation, configuration and maintenance of hardware. Installation and maintenance of any system software or any application software that is not part of the Oracle software yet is needed for the correct functioning of the Oracle FLEXCUBE software. Any customizations that are not listed as a part of the Scope Implementation and Testing of any third-party interface Test plan preparation and Execution of System Integration Test and User Acceptance Testing Planning and Execution of Performance Testing Any interfaces customization Project Assumptions Descriptions The customization project plan and timelines are indicative and are to be revalidated post requirements, customization scope and solution finalization Any change to the scope post requirements finalization will result in modification of the cost and time schedule for the project. All project milestones need to be signed off on completion by JIVE. Delay in providing the sign-offs could impact subsequent delivery / tasks. JIVF has to signoff the FS document that would be shared by IBM before the start of development. The Development will be based on the FS document- any changes to FSD post development will have to undergo a PCR process All internal and external systems required for testing the interfaces to backend systems are expected to be available as and when the System Integration and User Acceptance Testing phases are scheduled. All project documentations will be in English It is assumed that the JIVE will identify the core project team before commencement of the customization and plan their schedules to meet the agreed project timelines IIVF's Project Team representatives will be responsible for coordination within JIVE’s business, coordination between various vendors during System Integration work and testing, and for infrastructure maintenance JIVE to provide direct and remote access to the project development and test environment (including server, network layer, operating system, database, and application software) over the VPN for the entire project duration, for IBM Onsite and Offsite resources, IBM's offsite resources working out of the other IBM's offices will use the VPN connectivity to work directly in the project development and test environments. Customer Obligations Customer Obligations‘Addendum — SOW for Hire Purchase System using Flexcube 4 Price sromalaginpetanaaeratana ‘The parties agree to add the following to Part 1 Clause 5.1 Article 5: Implementation Services for 18 months and 3 months warranty support The total price of the RY cn for this Addendum is on the basis of the lump sum price _ and twenty-one thousand) exclusive of Value-added tax (VAT) and other taxes (if any). The payment milestones will be as follows: [ No. Milestones Percentage (%) Amount (VND) 1 Payable upon signing addendum and JIVF receive 40% 3,192,408,400 IBM invoice Payable upon delivery of 20% Functional Specification Document and JIVF receive IBM invoice 1,596,204,200 Payable upon delivery of 206 customization units and JIVE 1,596,204,200 receive IBM invoice Payable upon Upon, 20% Completion of UAT and JIVF 1,596,204,200 receive IBM invoice 5 Application of the Agreement (a) (b) © @ Alll agreements of the parties remain governed by the terms and conditions of the SOW 1810VNOO1, except to the extent supplemented or varied by the terms and conditions of this Addendum. This Addendum constitutes an integral part of main SOW 1810VNOOL and independent with other addendums The rates and prices contained in this document are estimated on 25 Nov 2022 and valid until 20 Feb 2023 for JIVE do budget approval only, the rates and prices may change when getting approval from IBM. End Date: this addendum will end at the same date with End Date as in the Referenced SoW, which is 31st July 2023.Addendum ~ SOW for Hire Purchase System using Flexcube 1 Provide timely and prompt feedback on customization queries 2 Provide continued availability of key business users and Information Technology (IT) staff for the duration of the project 3 Provide the necessary developers, business domain experts, infrastructure experts, and other resources required to effectively conclude this engagement. 4 JIVE shall identify and document high level requirements on various products and its associated parameters. 5 ‘You shall pro-actively prepare integration and User Acceptance Test (UAT) plans and scripts prior to the commencement of these activities. 6 You shall sign-off all relevant artifacts, documentation, and project related milestone deliverables, if any. 7 ‘You shall provide support to address queries on the customizations You will ensure you will provide requirement specification on which Oracle will customize list for Software System for Oracle Flexcube 2 Completion Criteria IBM shall have fulfilled its obligations under this addendum when IBM accomplishes the supporting UAT for scope of work described in the sections: - 3.2.19 ~ Provide customization for JIVF CRO028 per as request from JIVF mentioned on session I. Afier finishing work mentioned above, both parties will make acceptance notice in writing with the signature of JIVF’s authorized representative and IBM’s project manager. JIVF will feedback to the acceptance notice for IBM within 07 (seven) working days since the receiving date. 3 Project Plan Start date: estimated at 3 May 2023 after two parties sign off this addendum, Tapa oF Zilpeopmertaf axorasion 3 [Deep Tet Plan Tn canon Beep Test an, Tn eros alent UAT alan aad UAT a‘Addendum ~ SOW for Hire Purchase System using Flexcube Executed in two ori als in English, IBM will provide 1 copied of Vietnamese translation for reference. Signed for and on behalf of ACCS International Vietnam Finance Company Limited by its General Director and Legal Representative Print Name Position Signed for and on behalf of IBM Vietnam Company Limited by its Legal Representative Print Name Position ACRONYMS AND ABBREVIATIONS Abbrevi Detailed Deseription FCUBS FLEXCUBE Universal Banking Solution DR Disaster Recover Environment pe Primary Production Environment sow Statement of Work No. 1810VN001 = Functional Specification Document‘Addendum ~ SOW for Hire Purchase System using Flexcube