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The credit products under Multi Purpose Line of Credit are divided into two categories according to the level of risk for the products in the categories. The details are as followed:

1. Domestic Credit, Trade Finance, and Letter of Indemnity (called “Product Category 1”) are as followed:
   • Overdraft (O/D)
   • Promissory notes (P/N)
   • Cheque Discount
   • Bills of Exchange
   • Letter of Credit (L/C), Trust Receipt (T/R)
   • Packing Credit
   • D/A, D/P
   • Domestic Letter of Credit (D L/C)
   • Borrowing Bond
   • Merchandise Purchasing Bond
   • Customers’ Liabilities Under Aval
   • Acceptance Domestic
   • Advance Payment Bond
   • Other types of letter of indemnity (L/I Others)
   • Standby L/C (only a guarantee for the working capital)
2. Letters of Indemnity (called “Product Category 2”) are as followed:
   • Bid Bond
   • Performance Bond
   • Retention Money Bond
   • Electric Payment Bond
   • L/I Tax
   • L/C Sight

Clients can inform the intention to make changes to credit products. There are two options as followed:

1. Clients can apply and sign the document “the request for credit change” and submit to the bank or
2. The bank issues “the letter of confirmation in credit change” to inform clients. The bank shall transfer the document to clients via:
   1. Registered mail or
   2. A bank officer deliver the document to clients for signing

The change of the credit limit, cross category or within the same product category, must not exceed the total credit limit authorized; the rate of change should be 1:1 by

• The change of the credit limit cross product category from Product Category 1 to Product Category 2 must change the credit limit with the rate 1 : 1
• Products in the Product Category 2 cannot be changed to products in the Product Category 1, except there was a change in the credit limit from the other Product Category and there is a need to change the credit limit back with the rate 1 : 1

No, the Multi Purpose Line of Credit is a short term credit limit. The objective is to used as a working capital of a business, which is different in each credit product type that is authorized under the Multi Purpose Line of Credit. Changes can be made to the credit limit cross different credit products or Product Category within the terms and conditions.