LIST OF CO-MERCHANTS WITH DISCOUNT RATE FOR IVB'S CARDHOLDERS

LIST OF CO-MERCHANTS WITH DISCOUNT RATE FOR IVB'S CARDHOLDERS SPORT HOTEL & TRAVEL SPA & HEALTHCARE SOUTHERN OTHERS Updated to : 16TH SEP, 2014 HO CHI MINH CITY 08 38295648 264, HAI BA TRUNG, TAN DINH W., DIST.1, HCMC 01/05/2014 31/05/2015 SPA & HEALTHCARE THAI DUONG CLINIC 08 38222487 25,TRAN CAO VAN, DA KAO W., DIST.1, HCMC 01/05/2014 31/05/2015 50% TEETH WHITENING 53A, BACH DANG, W. 15, BINH THANH DIST., HCMC 01/05/2014 31/05/2015 SPA & HEALTHCARE PHUONG DONG CLINIC 08 38654994 54-58, BA THANG HAI, W. 12, DIST.10, HCMC 01/05/2014 31/05/2015 15% ALL SERVICES, EXCEPT : IMPLANT SERVICE SPA & HEALTHCARE THE GIOI CLINIC 08 38688622 568, BA THANG HAI, W. 14, DIST.10, HCMC 22/05/2014 22/05/2015 15% TEETH WHITENING & TREATMENT SPA & HEALTHCARE MY MY BEAUTY SALON 08 38344258 459C, NGUYEN DINH CHIEU, W. 5, DIST.3, HCMC 01/05/2014 31/05/2015 20% SPA 08 54104396 R4-50 HG 4, PHU MY HUNG, W., DIST.7, HCMC 01/05/2014 31/05/2015 10% HAIR SALON SPA & HEALTHCARE THỦY MỘC SPA 08 38228910 12BIS, NGUYEN HUE, BEN NGHE W., DIST.1, HCMC 01/05/2014 31/05/2015 50% SPA & MASSAGE SPA & HEALTHCARE THE HE MOI CLINIC 08 39244781 549/1, NGUYEN DINH CHIEU, W. 2, DIST.3, HCMC 01/05/2014 31/05/2015 472B, TRAN HUNG DAO, W. 2, DIST.5, HCMC 01/05/2014 31/05/2015 328C, PHAN DINH PHUNG, W. 1, DIST.PHÚ NHUẬN, H 01/05/2014 31/05/2015 10% --> 50% (REFER INFORAMTION AT CLINIC) SPA & HEALTHCARE MURAD SPA 08 39291176 397B, VO VAN TAN, W. 5, DIST.3, HCMC 20/05/2014 31/05/2015 20% SPA 50% SPA FOR IVB'S STAFF SPA & HEALTHCARE SEN SPA 08 39102174 10TH FL, MISS AO DAI BUILDING 21, NGUYEN TRUNG NGAN, BEN NGHE W., DIST.1, HCMC 10/05/2014 31/05/2015 10% SPA, MASSAGE,SKINCARE SPA & HEALTHCARE ANNAM SPA 08 38251250 26-28, DONG DU, BEN NGHE W., DIST.1, HCMC 10/05/2014 31/05/2015 10% SPA, MASSAGE,SKINCARE Page 1 of 8

SPA & HEALTHCARE RANG SU CLINIC 0918 102606 286, VO VAN TAN, W. 5, DIST.3, HCMC 06/06/2014 06/06/2015 15% SPA & HEALTHCARE HOME SPA 08 38468644 139KB/03, LY CHINH THANG, W. 7, DIST.3, HCMC 01/07/2014 31/07/2015 10% SPA & HEALTHCARE ELLY SPA 08 38206460 72/2, TRAN QUOC TOAN, W. 8, DIST.3, HCMC 01/07/2014 31/07/2015 10% BA CHAY RESTAURANT 08 38303311 115,VUON CHUOI, W. 4, DIST.3, HCMC 01/05/2014 31/05/2015 10% FOOD & BERVERAGE ALPES COFFEE 0909 678844 351/12A, LE VAN SY, W. 13, DIST.3, HCMC 01/05/2014 31/05/2015 20% BERVERAGE NP'S BAKERY & COFFEE 0938 422299 217, VO VAN TAN, W. 5, DIST.3, HCMC 01/05/2014 31/05/2015 10% SENSE COFFEE 0936 851120 58B, TRAN QUOC THAO, W. 7, DIST.3, HCMC 01/05/2014 31/05/2015 5% BERVERAGE XU RESTAURANT 08 3824 8468 71-75, HAI BA TRUNG, BEN NGHE W., DIST.1, HCMC 22/05/2014 31/05/2015 10% FOOD & BERVERAGE MADARINE RESTAURANT 08 38229783 11A, NGO VAN NAM, BEN NGHE W., DIST.1, HCMC 01/05/2014 31/05/2015 10% ON FOOD HỘI AN RESTAURANT 08 38237694 11, LE THANH TON, BEN NGHE W., DIST.1, HCMC 01/05/2014 31/05/2015 10% ON FOOD ENBOGA RESTAURANT 0906 996369 16, NGUYEN DINH CHIEU, W. ĐA KAO, DIST.1, HCMC 01/06/2014 30/06/2015 5% FOOD & BERVERAGE NÀNG CUA RESTAURANT 08 62928121 08 62928122 140, TRAN NHAN TON, W. 2, DIST.1O, HCMC 25/05/2014 30/05/2015 10% - 30% 25/05/14-25/08/14 : - 30% ON FOOD 30/05/14-30/05/15: - 10% ON FOOD FOR CARDHOLDER - 20% ON FOOD FOR IVB STAFF Page 2 of 8

BBQ HOUSE 08 36028333 100A, CAO THANG, W. 4, DIST.3, HCMC 06/06/2014 30/06/2015 40% FOR BUFFET BAMBOO RESTAURANT 0914 144024 1374, TRUONG SA, W. 3, TAN BINH DIST., HCMC 06/06/2014 06/06/2015 10% (EXCEPT : SNAILS FOOD IN MENU) PIZZA ROMA 08 39302383 66B, CACH MANG THANG TAM, W. 6, DIST.3, HCMC 21/06/2014 30/06/2015 10% RYU GYONG RESTAURANT 08 73076666 30BIS, LE QUY DON, W. 7, DIST.3, HCMC 21/06/2014 30/06/2015 10% 301 COFFEE 0908 190819 174-176, CONG CHUA NGOC HAN, W. 12, DIST.11, HC 01/07/2014 31/07/2015 15% SUONG NUONG HAN QUOC RESTAURANT (KOREAN GRILLED PORK CHOP) 39106253 4/4, NGUYEN BINH KHIEM, W. ĐA KAO, DIST.1, HCMC 01/07/2014 31/07/2015 10% PHA LÊ COFFEE 36025634 A8, TRUONG SON, W. 15, DIST.10, HCMC 01/07/2014 31/07/2015 10% MÀU CỦA GIÓ COFFEE 08 39575898 545/2, BA THANG HAI, W. 8, DIST.10, HCMC 01/07/2014 31/07/2015 10% CUA HOA RESTAURANT 08 39970412 74/14, TRUONG QUOC DUNG, W. 10, DIST.PHÚ NHUẬ 16/07/2014 16/07/2015 5% FIVE OYSTER RESTRAURANT 0903 012123 234, BUI VIEN, W. PNL, DIST.1, HCMC 09/07/2014 09/07/2015 10% TOP RESTAURANT AND CAFÉ 0937 182324 346B, LE QUANG DINH, W. 11, BINH THANH DIST., HC 24/07/2014 24/07/2015 20% RIO BBQ & SUSHI 08 39917545 545, HUYNH VAN BANH, W. 14, PHU NHUAN DIST., H 01/08/2014 31/08/2015 5% RIO BEER CLUB 0913 324445 1, TRAN NAO, W. BÌNH AN, DIST.2, HCMC 01/08/2014 01/08/2015 5% Page 3 of 8

MOC CAFÉ 0935 086799 83, CUU LONG, W. 15, DIST.10, HCMC 01/08/2014 01/08/2015 10% (10% ON BEVERAGE, 5% ON FOOD) No HUONG TRA CAFÉ 093 4086799 X12 BIS, BA VI, W. 15, DIST.10, HCMC 01/08/2014 01/08/2015 5% No ME KHUC CAFÉ 0907 209948 218, HOA LAN, W. 2, PHU NHUAN DIST., HCMC 24/07/2014 24/07/2015 5% BEAN AND BEER GARDEN 08 71081088 112-114, 9A STREET, TRUNG SON, BINH HUNG W., B 01/08/2014 01/08/2015 5% YESSS COFFEE 01677 439211 12/2, NGUYEN THI HUYNH, W. 8, PHU NHUAN DIST., 01/08/2014 01/08/2015 20% LA CÀ CAFÉ 0939 703172 58, TO VINH DIEN, THU DUC DIST., HCMC 01/08/2014 31/08/2015 10% 41, KY DONG, DIST.3, HCMC 04/08/2014 04/08/2015 TANO SUSHI 08 39351115 24-28, TAY THANH STR., TAN PHU DIST., HCMC 04/08/2014 04/08/2015 15% 206, PHAN XICH LONG STR., PHU NHUAN DIST., HCM 04/08/2014 04/08/2015 HAO SUA RESTAURANT 08 38805454 11/115B THONG NHAT STR., GO VAP DIST., HCMC 01/07/2014 31/07/2015 5% NẤM YUMFRESH REST 08 39104656 63 NGUYEN BINH KHIEM STR., DIST.01, HCMC 12/09/2014 12/09/2015 20% HOTEL & TRAVEL HERON TRAVEL 08 39918591 350A, HUYNH VAN BANH, W. 14, DIST.PHÚ NHUẬN, H 01/05/2014 31/05/2015 10% VISA SERVICES, TRAVEL INSURANE 5% AIRTICKET 10% BOOKING HOTEL HOTEL & TRAVEL NHAT HA TRAVEL 08 38336072 85, TRAN MINH QUYEN, W. 10, DIST.10, HCMC 08/05/2014 31/05/2015 15% HOTEL & TRAVEL KINGSTON HOTEL 08 38245588 52-54, THU KHOA HUAN, BEN THANH W., DIST.1, HCM 15/04/2014 31/05/2015 20% ROOM SERVICE 10% MASSAGE 5% FOOD & BERVERAGE HOTEL & TRAVEL LIBERTY SAIGON PARKVIEW HOTEL 08 38364556 265, PHAM NGU LAO, W. PNL, DIST.1, HCMC 01/05/2014 31/12/2014 15% ROOM SERVICES (CHECK RATE AT WEBSITE) FOR F&B: 15% (AT 9 FLOOR RESTAURANT) Page 4 of 8

HOTEL & TRAVEL RUBY STAR HOTEL 08 39333146 43, TRUONG DINH, W. 6, DIST.3, HCMC 01/05/2014 31/05/2015 10% ROOM SERVICES 01/08/2014 31/08/2015 10% FOR ROOM HOTEL & TRAVEL CARAVELLE HOTEL 08 38234999 19-23, LAM SON SQUARE, DIST.1, HCMC 01/08/2014 31/08/2015 10% FOR F&B AT NINETEEN RESTAURANT AND REFLECTION RESTAURANT 01/08/2014 31/08/2015 20% FOR GYM WITH IVB VISA GOLD CARD 01/08/2014 31/08/2015 10% FOR GYM WITH IVB VISA CLASSIC CARD HOTEL & TRAVEL HOTEL CLUB FIND MORE AT: www.indovinabank.com.vn 01/07/2014 31/12/2014 15% 01/08/2014 01/08/2015 30% FOR ROOM HOTEL & TRAVEL LIBERTY SOTHERN SAIGON HOTEL 08 37738811 542A-544, HUYNH TAN PHAT STR., DIST. 07, HCMC 01/08/2014 01/08/2015 10% FOR F&B AT DAISY & COCO BAR CUU LONG JEWELRY 08 39939390 72, LE THANH TON, BEN NGHE W., DIST.1, HCMC 21/06/2014 30/06/2015 15% 20% FOR IVB'S STAFF M & H PERFUME 08 39312024 228, LY CHINH THANG, W. 9, DIST.3, HCMC 01/07/2014 31/07/2015 10% IBASIC SHOP 08 38206723 281A, HAI BA TRUNG, W. 6, DIST.3, HCMC 15/08/2014 15/08/2015 08 22220489 126, 2ND FL, HUNG VUONG, PARKSON HV, W. 12, DI 15/08/2014 15/08/2015 08 54137506 101, 2ND FL, TON DAT TIEN, CRESENT MALL, W. PMH 15/08/2014 15/08/2015 08 54137506 235, 2ND FL, NGUYEN VAN CU, NOWZONE PLAZA, W 15/08/2014 15/08/2015 10% - 15% 10% FOR PURCHASE AMOUNT LESS 15% FOR PURCHASE AMOUNT MORE 19006624 - EXT 201 10, 2ND FL, LE LAI, BEN THANH W, DIST.1, HCMC 22/08/2014 31/08/2015 19006624 - EXT 101 524, NGUYEN THI MINH KHAI, W. 2, DIST.3, HCMC 22/08/2014 31/08/2015 19006624 - EXT 202 4, CACH MANG THANG TAM, BEN THANH W., DIST.1, 22/08/2014 31/08/2015 19006624 - EXT 210 585, HOANG VAN THU, W. 5, TAN BINH DIST., HCMC 22/08/2014 31/08/2015 19006624 - EXT 209 469, NGUYEN TRI PHUONG, W. 8, DIST.10, HCMC 22/08/2014 31/08/2015 19006624 - EXT 201 346, HAI BA TRUNG, TAN DINH W., DIST.1, HCMC 22/08/2014 31/08/2015 19006624 - EXT 208 114, BA THANG HAI, W. 12, DIST.10, HCMC 22/08/2014 31/08/2015 19006624 - EXT 205 190, HONG BANG, W. 12, DIST.5, HCMC 22/08/2014 31/08/2015 19006624 - EXT 204 39, AN DUONG VUONG, W. 8, DIST.5, HCMC 22/08/2014 31/08/2015 19006624 - EXT 211 211, XO VIET NGHE TINH, W. 17, BINH THANH DIST., 22/08/2014 31/08/2015 19006624 - EXT 201 44A, GO O MOI, KP2, W. PT, DIST.7, HCMC 22/08/2014 31/08/2015 19006624 - EXT 203 343, HAI BA TRUNG, W. 8, DIST.3, HCMC 22/08/2014 31/08/2015 BIRD'S NEST SAIGON ANPHA 19006624 - EXT 207 728A (GL), TRAN HUNG DAO, W. 2, DIST.5, HCMC 22/08/2014 31/08/2015 19006624 - EXT 201 393, AN DUONG VUONG, W. 14, DIST.5, HCMC 22/08/2014 31/08/2015 20% 19006624 - EXT 212 986, KHA VAN CAN, TRUONG THO WARD, THU DUC 22/08/2014 31/08/2015 19006624 - EXT 302 2, CACH MANG THANG TAM, BEN THANH WARD, DIS 22/08/2014 31/08/2015 Page 5 of 8

19006624 - EXT 303 3, LE VAN NINH, KP4, LINH TAY W., THU DUC DIST., H 22/08/2014 31/08/2015 19006624 - EXT 301 12, CACH MANG THANG TAM, BEN THANH W., DIST.1 22/08/2014 31/08/2015 19006624 - EXT 306 182, NGUYEN VAN NGHI, W. 5, GO VAP DIST., HCMC 22/08/2014 31/08/2015 19006624 - EXT 304 1214, CACH MANG THANG TAM, W. 4, TAN BINH DIST 22/08/2014 31/08/2015 19006624 - EXT 305 865, PHAN VAN TRI, W. 7, GO VAP DIST., HCMC 22/08/2014 31/08/2015 08 37713088 72, TAN MY, TAN PHU W., DIST.7, HCMC 22/08/2014 31/08/2015 19006624 - EXT 308 187, NGO QUYEN, W. 6, DIST.10, HCMC 22/08/2014 31/08/2015 08 39706988 621, CACH MANG THANG TAM, W. 15, DIST.10, HCMC 22/08/2014 31/08/2015 1, LY THUONG KIET, INDEPENDENT HOSP., W. 7, TAN BINH DIST., HCMC 22/08/2014 31/08/2015 30, BO BAO, TAN THANG, SON KY W., TAN PHU DIST 22/08/2014 31/08/2015 SPORT FIT24 08 54124242 800, NGUYEN VAN LINH STR., DIST.07, HCMC 15/09/2014 15/09/2015 30% FOR MEMBERSHIP FREE 01 MONTH FOR IVB'S CARDHOLDER OTHERS CGV CINEMAS FIND MORE AT: www.indovinabank.com.vn 01/03/2014 28/02/2015 AT WEBSITE BUY 3 2D-TICKETS, GET 1 2D-TICKET FREE OTHERS C'EST LA MOI 08 38444677 126F, PHAN DANG LUU, W. 3, PHU NHUAN DIST., HC 01/05/2014 31/05/2015 20% (EXCEPT: HOLIDAY & LIVESHOW EVENT) OTHERS NGAN LUONG CO. FIND MORE AT: www.indovinabank.com.vn 01/03/2014 31/12/2014 50% BINH DUONG BIRD'S NEST SAIGON ANPHA 19006624 - EXT 307 16, NGUYEN THAI HOC, PHU CUONG W., THU DAU MOT DIST., BINH DUONG 22/08/2014 31/08/2015 20% 12/09/2014 12/09/2015 10% FOR ROOMSERVICE (NOT VAT) 11/16 BINH DUONG BOULEVARD, THUAN AN DIST., BINH DUONG PROVINCE HOTEL & TRAVEL HOANG YEN HOTEL 0650 3786243 12/09/2014 12/09/2015 20% FOR MASSAGE SERVICE (NOT VAT) 12/66, NGUYEN CHI THANH STR., THU DAU MOT DIST., BINH DUONG PROVINCE 12/09/2014 12/09/2015 5% FOR F&B (NOT VAT) DONG NAI Page 6 of 8

288, 30/04 STREET, THANH BINH W., 19006624 - EXT 213 22/08/2014 31/08/2015 BIEN HOA DIST., DONG NAI BIRD'S NEST SAIGON ANPHA 20% 97, PHAN VAN THUAN, TAN TIEN W., 19006624 - EXT 309 22/08/2014 31/08/2015 BIEN HOA DIST., DONG NAI CAN THO IBASIC SHOP 0710 3819510 1,2ND FL, HOA BINH, SENSE CITY, NINH KIEU DIST., CAN THO 15/08/2014 15/08/2015 10% - 15% 10% FOR PURCHASE AMOUNT LESS 15% FOR PURCHASE AMOUNT GREATER BIRD'S NEST SAIGON ANPHA 0710 3761187 63A, CACH MANG THANG TAM, AN HOA W., NINH KIEU DIST., CAN THO 22/08/2014 31/08/2015 20% NORTHERN HA NOI 04 39424061 HOTEL & TRAVEL NAM NGU HOTEL 34, NAM NGU, CUA NAM W., HOAN KIEM DIST., HA NO 01/05/2014 31/05/2015 04 39423811 10% FOOD & BERVERAGE 20% ROOM SERVICE RYU GYONG RESTAURANT A30/D11, 66, TRAN THAI TONG, DICH VONG W., CẦU GiẤY DIST., HÀ NỘI 21/06/2014 30/06/2015 10% FIVIMART FIND MORE AT: www.indovinabank.com.vn 15/03/2014 15/09/2014 VOUCHER GET VOUCHER PER VALUE PURCHASE OF VND 500.000 OCEAN MART FIND MORE AT: www.indovinabank.com.vn 15/06/2014 15/10/2014 VOUCHER GET VOUCHER PER VALUE PURCHASE OF VND 500.000 ON THURSDAY WEEKLY 0909 543738 198, 2ND FL, TAY SON, TRUNG LIET W., DONG DA DI 15/08/2014 15/08/2015 IBASIC SHOP 10% - 15% 0978 957578 CH 2070, 2ND FL, E6, PHAM HUNG, KEANGNAM PLAZA PARKSON LANDMARK 72, TU LIEM W., CAU GIAY DIST., HANOI 15/08/2014 15/08/2015 10% FOR PURCHASE AMOUNT LESS 15% FOR PURCHASE AMOUNT MORE CENTRAL Page 7 of 8

DA NANG IBASIC SHOP 0511 3666288 255-257, SHOP 15A, HUNG VUONG, BIG C, VINH TRUNG W., THANH KHE DIST., DA NANG 15/08/2014 15/08/2015 10% - 15% 10% FOR PURCHASE AMOUNT LESS 15% FOR PURCHASE AMOUNT MORE NHA TRANG IBASIC SHOP 058 6255799 60A, THAI NGUYEN, NHA TRANG 15/08/2014 15/08/2015 10% - 15% 10% FOR PURCHASE AMOUNT LESS 15% FOR PURCHASE AMOUNT MORE VUNG TAU CUU LONG JEWELRY 064 3526938 159-163, THUY VAN, VŨNG TÀU 21/06/2014 30/06/2015 15% FOR BANK STAFF: OUNT 20% 20% FOR IVB'S STAFF BIRD'S NEST SAIGON ANPHA 064 3627513 6, NGUYEN THAI BINH, W. 9, VŨNG TÀU 22/08/2014 31/08/2015 20% OUTSIDE THE COUNTRY THAI LAN : BANGKOK, PHUKET, CHIENG MAI, PATTAYA, AT THAILAN TOUR 17/06/2014 30/09/2014 HAD YAI, SAMUI AND HUA HIN SPEND WITH YOUR VISA CARD DURING FIND MORE AT AMAZING THAILAND GRAND SALE AND www.indovinabank.c RECEIVE CHANCES TO WIN A "TRAVEL 365 om.vn DAYS IN THAILAND GRAND PRIZE PACKAGE" FOR EVERY 500 BAHT SPENT Page 8 of 8