• Issuer: VPBank Securities Joint Stock Company (VPBankS)
• Share Name: VPBank Securities Joint Stock Company (VPBankS) Shares
• Type of Securities: Common shares, freely transferabl

• Par Value: VND 10,000 per share
• Offering Price: VND 33,900 per share
• Total Number of Shares Offered: 375,000,000 shares
• Total Subscription Value: Calculated as Offering Price × Number of Shares Subscribed

• Minimum Subscription Quantity: 100 shares/ investor
• Maximum Subscription Quantity: 33,750,000 shares/ investor (equivalent to 5% of VPBankS’s expected charter capital after the IPO)
• Bid Increment: 100 shares (meaning the number of shares subscribed must be a multiple of 100)

(*) The timelines in the process for investors subscribing VPBankS IPO shares via MSVN have been adjusted compared to those stated in the “Guidelines for Registration and Payment for VPBankS IPO Shares” in order to ensure MSVN’s internal operational efficiency and timely reporting to the principal agent.

         Investors can choose one of the following two registration methods:

• Online Subscription: Through the Maybank Trade VN application → “Contract Register” → “Support Products”
• Offline Subscription: At any MSVN branch or transaction offices.

      Depending on the investor type:

• For Domestic Individual Investors (aged 18 and above):

• For Foreign Individual Investors

Foreign individual investors are required to obtain a Securities Trading Code (Trading Code) from the Vietnam Securities Depository and Clearing Corporation (VSDC) through a depository member before investing in the Vietnamese securities market, in accordance with applicable laws.

• For Domestic Institutional Investors

• For Foreign Institutional Investors

       Investors must transfer both the deposit and the share payment amount (after receiving the Allocation Notice) into VPBank Securities’ blocked account as follows:

• Account Name: VPBank Securities Joint Stock Company (VPBankS)
• Account Number: 6890666888
• Bank: Bank for Investment and Development of Vietnam (BIDV) – Ha Thanh Branch

     DEPOSIT PAYMENT

• Deposit Period: From October 10, 2025 to 11:30 a.m., October 31, 2025
• Transfer Description: MSVN [Tên NĐT] [Số GCNĐKDN/CCCD/CC/MSGD] nop tien dang ky mua [số lượng cổ phiếu] CP VPX

    SHARE PAYMENT (Remaining Amount)

• Payment Period: From 11:30 a.m., November 3, 2025 to before 4:00 p.m., November 7, 2025
• Transfer Description: MSVN [Tên NĐT] [Mã Hồ sơ đặt mua] [Số GCNNĐKDN/CCCD/CC/MSGD] nop tien dang ky mua [số lượng cổ phiếu] CP VPX

In cases where the transfer description for the Deposit Payment and/or Share Payment (as stated in the Share Allocation Result Notice) does not strictly follow the required format specified in the Share Subscription Form, the Allocation Result Notice, or the Guidelines for Registration and Payment for IPO Shares, the investor must:

• Promptly initiate a verification and amendment procedure for the transfer content; and
• Provide supporting documents confirming the verification/amendment certified by the relevant bank, no later than 4:00 p.m on the final day of the Subscription Period (for deposit payments) or within the deadline stated in the Allocation Result Notice (for remaining share payments).

In such cases, VPBankS reserves the full right to determine whether the investor’s subscription order will be considered a valid registration in accordance with the Guidlines for Registration and Payment for IPO Shares.

Refunds will be made within 6 days from the date on which the State Securities Commission of Vietnam (SSC) issues an official document confirming receipt of VPBankS’s IPO result report and VPBankS has completed all procedures to release the funds from the escrow account.
This ensures that VPBankS has finalized the fund release process and has sufficient funds available to refund to the investors.

If the total number of shares subscribed exceeds the total number of shares authorized for offering under the IPO License, the shares will be allocated to investors proportionally based on their respective subscription volumes.
The number of shares allocated to each investor will be rounded down to the nearest whole number.

The number of shares allocated to each investor (“Allocated Shares”) for each Valid Subscription Order in each Distribution Channel is calculated as follows:

Allocation Scenarios

• If the total number of shares subscribed across all Valid Subscription Orders is less than or equal to the total number of shares authorized for offering under the IPO License,
  → Each investor will receive the exact number of shares subscribed.
• If the total number of shares subscribed across all Valid Subscription Orders exceeds the total number of shares authorized for offering,
  → VPBankS will allocate shares proportionally according to the following formula:

When Will I Receive My Shares?

After the IPO is completed and officially confirmed by the State Securities Commission of Vietnam (SSC), VPBank Securities (VPBankS) will centrally deposit the allocated shares into the investor’s securities account as indicated in the “Share Subscription Form.”

If the investor chooses not to have the shares deposited, they must collect the shareholder certificate (shareholder book) directly at VPBankS’s head office.

• Section A – Information of the share subscriber:
  All information in this section will be automatically retrieved from the active customer profile on MSVN’s system at the time of IPO subscription.
  • For customers having multiple bank accounts, the system will use the most recent details based on registration date.
  • For customers without any registered bank account information, MSVN reserves the right to reject the IPO subscription request.
  • Any refunds (if applicable) from the Issuer will be transferred to the bank account specified in this section.
• Section C – Registration information for receipt of the Share Ownership Certificate:
  The selection in this section will be fixed for centralized depository into the securities account opened at MSVN, consistent with the account information in Item 9, Section A (Share Depository Information).
• Section B – Information of the subscribed shares:
  This information will be automatically calculated by MSVN based on the number of shares subscribed by the customer (the subscription quantity must be a multiple of 100 shares).

• All IPO shares offered and allocated (excluding any unsubscribed shares reallocated by the Board of Directors under the “Plan for Handling Unsubscribed Shares”) are freely transferable.
• Any unsubscribed shares subsequently reallocated by the Board of Directors under the “Plan for Handling Unsubscribed Shares” will be subject to a transfer restriction period of one (01) year, counted from the date of completion of the IPO. All transfers must comply with Article 42 of Decree No. 155 and other applicable legal regulations in force.

• Account  Manager
• Customer Service Center: 028 44 555 888 (press 1 or 2)
• Email: customer.MSVN@maybank.com

Based on the Allocated Subscription Orders, VPS will consolidate the total number of Shares subscribed for by Investors and will allocate the Shares to Investors in a public, fair, and transparent manner, in accordance with the following provisions:

1. If the total number of Shares subscribed for by Investors under the Allocated Subscription Orders is less than or equal to the total number of Shares permitted for offering under the IPO License, the Shares will be allocated to in the exact quantity registered for subscription by the Investor under Allocated Subscription Orders, at the Offering Price.
2. If the total number of subscribed shares exceeds the number of shares permitted for offering under the IPO License, the price priority principle will apply: the price priority principle shall apply. Specifically:
3. Allocated Subscription Orders with higher registered subscription price shall be given priority for allocation at the Offering Price, until the total number of offered Shares has been fully allocated.
4. After completing the allocation as above, any remaining Shares will be allocated to the Allocated Subscription Orders with registered price equal to the Offering Price. At the Offering Price, if the total number of Shares subscribed exceeds the number of remaining Shares, such remaining Shares shall be allocated to those Allocated Subscription Orders on a pro-rata basis according to their respective subscribed quantities (the “Allocation Ratio”).

Allocation Ratio = Remaining Offered Shares ÷ Total Shares Subscribed under the Allocated Subscription Orders with registered subscription price equal to the Offering Price.

The Allocation Ratio shall be rounded down to four (4) decimal places.

The number of shares allocated to each investor is calculated as:

Number of Allocated Shares = Number of Shares Subscribed under the Allocated Subscription Order × Allocation Ratio

The final allocated quantity per investor will be rounded down to the nearest whole share.

VPS will issue the Share Allocation Result Notice for each valid subscription order through the relevant distribution channel: (i) directly to investors (for those registering via VPS), and(ii) to MSVN (for investors registering via MSVN), who will then forward the notice to investors.

The Share Allocation Result Notice sent to investors through MSVN will include the following key information:

• Offering Price
• Number of Shares Allocated per Valid Subscription Order
• Total Share Purchase Amount (as defined below) for each Allocated Subscription Order
• Remaining Amount Payable per Valid Subscription Order
• The Total Outstanding Share Subscription Amount for all Allocated Subscription Orders under each Distribution Channel
• Refund Amount (if any)
• Payment instructions for the share subscription amount.

Definition:

• Total Share Purchase Amount = Allocated Shares × Offering Price
• Remaining Amount Payable = Total Share Purchase Amount – Amount Already Paid
• Amount Already Paid includes both the Deposit Amount and any Excess Payment (if applicable).

Excess Payment means any amount paid (i) exceeding the Deposit or (ii) exceeding the Remaining Amount Payable for each Valid Subscription Order.

For clarification: The Amount Paid under each Valid Subscription Order or Allocated Subscription Order shall not be offset against the Outstanding Share Subscription Amount of any other Allocated Subscription Order.

Within 30 days from the completion date of the Offering, VPS (through MSVN) will deliver the Certificate of Share Ownership to investors. Investors irrevocably authorize the Distributor (MSVN) to carry out the depository registration of all allocated shares with the Vietnam Securities Depository and Clearing Corporation (VSDC).

• All personal or organizational details in Section I – Investor Information will be automatically retrieved from the active data recorded in the MSVN system at the time of registration.

(For clients with more than one bank account, the system will use the most recently updated one. If no valid bank account is available, MSVN reserves the right to reject the registration request.)

• Any refund (if applicable) from the Issuer will be transferred to the bank account specified in this section.
• In Section II – Subscription Information, investors should fill in the “Bid Price” field in the “Note” box using the following format:

Bid Price + [price] + VND

Example: Bid Price 60,000 VND.

• The number of shares registered must be in multiples of 100.

MSVN will automatically calculate the total subscription value based on the quantity and bid price provided.

All IPO shares offered and allocated (excluding any unsubscribed shares reallocated by the Board of Directors under the “Plan for Handling Unsubscribed Shares”) are freely transferable.

Any unsubscribed shares subsequently reallocated by the Board of Directors under the “Plan for Handling Unsubscribed Shares” will be subject to a transfer restriction period of one (01) year, counted from the date of completion of the IPO. All transfers must comply with Article 42 of Decree No. 155 and other applicable legal regulations in force.

Can I Amend or Cancel My Subscription After Payment?
Not allowed. Once a valid subscription order has been recorded, investors are not allowed to cancel or modify the order.

All subscription documents must be signed directly by the investor (for individual investors) or by the legal representative of the investor (for institutional investors)

• Account Manager
• Customer Service Center: (028) 44 555 888 (press 1 or 2)
• Email: customer.MSVN@maybank.com