Annoucement

Dear Customers,

Recently, Shinhan Finance has continuously received complaints from people related to CG Credit Company (“CG Credit”) and the self-proclaimed employee of CG Credit named Doan Xuan Tai (“Mr. Tai”), AT Credit Company (“AT Credit”) and the self-proclaimed employee of AT Credit named Pham Xuan Manh (“Mr. Manh”), AT Finance Company (“AT Finance”) and the self-proclaimed employee of AT Finance with Zalo account named Phan Nhan.

According to the provided information these people, Mr. Tai, Mr. Manh and a man with Zalo account named Phan Nhan approached them through social networks and introduced themselves as credit officers who supports instant loans with low interest rates. As they introduced, CG Credit/AT Credit/AT Finance is an "affiliated" company with Shinhan Finance and the address of this company coincides with the addresses of Shinhan Finance's Branches and Service Introduction Points. During the working process with those ones, people who want to apply for a loan must provide personal information and receive a message informing that the amount of money has been disbursed to a bank account or a loan application is being processed. At this time, they continued to receive the notification that "the information provided is inaccurate and needs to be adjusted to withdraw money", or "the disbursement is on hold because the contract number does not match". Besides the information mentioned above, these people were requested to pay “account verification fee”, “temporary deposit to handle account clearance”, “information adjustment fee”, “online application processing fee”, etc. with the promise of a further refund. According to people who sent complaints to Shinhan Finance, they had to borrow from relatives or get the call money from others to pay these "fees" of up to tens of millions of Dong.

Shinhan Finance officially announces that we are NOT affiliated, cooperated, authorized or signed any service contracts with CG Credit/ AT Credit/ AT Finance Company. Shinhan Finance also does not have any employees or sales agent named Doan Xuan Tai, Phan Xuan Manh or Phan Nhan. Besides, for this case, Shinhan Finance has completed the dossier and sent it to the local Police Authorities where the people complained, thereby protecting legitimate rights and interests of people and the customer and Shinhan Finance's reputation of business operation.

Shinhan Finance recommends that Customers must increase the vigilance and take proactive measures to protect yourselves from the risks of being scammed. Early recognition of signs of a scam and appropriate knowledge equipment is considered the best current defense. In case Customers interested in Shinhan Finance, please note these following identification signs:

• Official website of Shinhan Finance: www.shinhanfinance.com.vn
• Shinhan Finance brand has a blue tick on Facebook https://www.facebook.com/shinhanfinance.official and Zalo https://bit.ly/ShinhanFinance-Zalo-official
• Shinhan Finance never request customers to pay application processing fees, information adjustment fees, deposits or advances to get loan disbursement. Please refer to Shinhan Finance's service tariff AFTER disbursement publicly posted here.
• Beware of the offers under the name “Shinhan Finance” with unrealistically attractive investment content or loans approved against regulations. That sign could be the first warning of a scam.
• If you realize that you are at risk of dealing with illegal organizations or individuals, or suspect that you are being approached by scammers, please contact Shinhan Finance through the options provided at the end of the article for immediate verification.
• Always give priority to reporting to the local Police Authorities about any suspected fraud, even if you are not the victim of those scams.

In the past year, Shinhan Finance has launched “iShinhan” – a mobile application integrating online loan registration and loan management functions. With its digitized loan application process, loan frauds will be effectively prevented. At the same time, Shinhan Finance also introduced “SVFC Bot” on the official Facebook page to help customers easily approach the safe and official loan application source.

Shinhan Finance is a consumer finance company with an official and trusted source of information about all products, services and loan processes publicly that is posted at:

• Website: www.shinhanfinance.com.vn.
• Zalo Official Account: https://bit.ly/ShinhanFinance-Zalo-official
• Facebook Official Account:
• www.facebook.com/shinhanfinance.official
• iShinhan mobile application: