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Circular No. 04/2010/TT-NHNN dated February 11, 2010 of the State Bank of Vietnam providing for the merger, consolidation and acquisition of credit institutions
27/04/2011
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THE STATE BANK OF VIETNAM
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SOCIALIST REPUBLIC OF VIET NAM
Independence - Freedom - Happiness
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No.: 04/2010/TT-NHNN

Hanoi, February 11, 2009

 

 

CIRCULAR

PROVIDING FOR THE MERGER, CONSOLIDATION AND ACQUISITION OF CREDIT INSTITUTIONS

THE STATE BANK OF VIETNAM

 

Pursuant to the 1997 Law on the State Bank of Vietnam and the 2003 Law Amending and Supplementing a Number of Articles of the Law on the State Bank of Vietnam;

Pursuant to the 1997 Law on Credit Institutions and the 2004 Law Amending and Supplementing a Number of Articles of the Law on Credit Institutions;

Pursuant to the 2005 Enterprise Law;

Pursuant to the 2005 Investment Law;

Pursuant to the 2004 Competition Law;

Pursuant to the Government's Decree No. 96/ 2008/ND-CP of August 26, 2008, defining the functions, tasks, powers and organizational structure of the State Bank of Vietnam;

The State Bank of Vietnam (below referred to as the State Bank) provides for the merger, consolidation and acquisition of credit institutions as follows:

 

Chapter I GENERAL PROVISIONS

Article 1. Scope of regulation

1. This Circular provides for the merger, consolidation and acquisition of the following credit institutions which are set up and operate in Vietnam:

-          Commercial banks;

-          Finance companies;

-          Financial leasing companies;

-          Cooperative credit institutions.

2. The merger and consolidation among cooperative credit institutions comply with the Regulation on  the issuance and withdrawal of establishment and operation license of people's credit funds; opening and termination of operation of transaction bureaus, branches, representative offices, transaction offices and transaction points of people's credit funds; division, separation, consolidation and merger
of people's credit funds; and liquidation of people's credit funds under the State Bank's supervision, issued together with the State Bank Governor's Decision No. 24/2006/QP-NHNN of June 6. 2006.

Article 2. Subjects of application

1. Credit institutions specified in article 1 of this Circular.

2. Organizations and individuals related to the merger, consolidation and acquisition of credit institutions.

Article 3. Competence to approve merger, consolidation and acquisition of credit institutions     

The Governor of the State Bank (below referred to as the Governor) shall approve the merger, consolidation and acquisition of credit institutions under this Circular and relevant laws.

 

Article 4. Interpretation of terms

In this Circular, the terms below are construed as follows:

1. Merger of credit institutions means a process in which one or several credit institutions (below referred to as merged credit institution(s) is or are merged into another credit institution (below referred to as merging credit institution) by transferring all lawful assets, rights, obligations' and interests to the merging credit institution simultaneously with terminating the existence of the merged credit institution(s).

2. Consolidation of credit institutions means a process in which two or several credit institution (below referred to as consolidated credit institutions) are consolidated to form a new credit institution (below referred to as consolidation credit institution) by transferring all lawful assets rights, obligations and interests to the ^.consolidating credit institution simultaneously with terminating the existence of the consolidated credit institutions.

3. Acquisition of credit institutions means a process which a credit institution (below referred to acquiring credit institution) acquires all lawful assets, rights, obligations and interests of another credit institution (below referred to as acquired credit institution). After being acquired, the acquired credit institution becomes an affiliate of the acquiring credit institution.

4. Credit institutions involved in a merger include 43 merging credit institution and the merged credit institutions.

5. Credit institutions involved in a consolidation include the consolidating credit institution and the consolidated credit institutions.

6. Credit institutions involved in an acquisition include the acquiring credit institution and the acquired credit institution.

7. The representing credit institution is a merged credit institution which is authorized by the remaining consolidated credit institutions to act as the focal point in settling matters related to the consolidation of credit institutions.

8. Competent body of a credit institution is the body which is competent to decide on the merger, consolidation or acquisition of the credit institution according to the credit institution's charter and current law.

9. Parent credit institution is a foreign credit institution which owns over 50% of the charter capital of a wholly foreign owned credit institution operating in Vietnam.

10. Owner means shareholders (for joint-stock credit institutions), the State (for state-owned credit institutions), capital contributors (for joint-venture credit institutions), the parent credit institution and capital-contributing members (for wholly foreign owned credit institutions) and capital-contributing members (for cooperative credit institutions).

Article 5. Principles on the merger, consolidation and acquisition of credit institutions

1. The principle of agreement:

Credit institutions involved in a merger, consolidation or acquisition shall agree on the settlement of rights and obligations of involved parties in accordance with current law.

2. The principle of customer protection:

Credit institutions involved in a merger, consolidation or acquisition must ensure that the merger, consolidation or acquisition does not affect the interests of customers, especially the interests of depositors of each credit institution involved.

3. The principle of confidentiality:

Members of the Boards of Directors and the Control Boards, directors general and concerned organizations and individuals of credit institutions involved in a merger, consolidation or acquisition shall assure confidentiality so as to ensure stable operation of credit institutions before the merger, consolidation or acquisition scheme is ratified by competent bodies of credit institutions.

4. The principle of information provision:

a/ In the process of performing merger, consolidation or acquisition procedures, the Boards of Directors of involved credit institutions shall promptly, adequately, consistently, truthfully and accurately provide owners of all parties to the merger, consolidation or acquisition and other competent organizations with information on the process of merger, consolidation or acquisition, including information on the financial status, organization and operation of their credit institutions;

b/ Dossiers, documents and advertisements of credit institutions involved in a merger, consolidation or acquisition must be made in a prudent and accurate manner so as to avoid misunderstanding.

5. The principle of making decisions on merger, consolidation or acquisition:

a/ Competent bodies of credit institutions involved in a merger, consolidation or acquisition shall adopt decisions on the merger, consolidation or acquisition according to meeting and voting conditions and formalities prescribed by current law.

b/ Conditions and formalities for meeting and voting to pass decisions on matters related to organization of the consolidation of credit institutions shall be agreed upon by the consolidated credit institutions and specified in the consolidation scheme in accordance with current law.

Article 6. Forms of merger, consolidation and acquisition of credit institutions     

1.Forms of merger

a/ A bank, a finance company or a cooperative credit institution is merged into a bank

b/A finance company is merged into a finance  company.          

c/ A financial leasing company is merged into a financial leasing company.        

2. Forms of consolidation

a/ A bank is consolidated with another bank, a finance company or a cooperative credit institution to form a new bank.     

b/ Several finance companies are consolidated to form a new one.

c/ Several financial leasing companies are consolidated to form a new one.

3. Forms of acquisition 

a/ A bank acquires a finance company or a financial leasing company.

b/ A finance company acquires a financial leasing companies.

Article 7. Consultancy on merger, consolidation and acquisition of credit institutions

Credit institutions involved in a merger, consolidation or acquisition may use consultancy services. Consultancy service providers must satisfy the following conditions:

1. Being an organization licensed to provide finance and banking consultancy services;

2. Refraining from providing consultancy services for several credit institutions involved in a merger, consolidation or acquisition case;

3. Being certified by the Boards of Directors of credit institutions involved in a merger, consolidation or acquisition as having no financial relations which may lead to a conflict of interests with other credit institutions involved in the merger consolidation or acquisition.

Artiste 8. Announcement of merger, consolidation or acquisition

1. Credit institutions involved in a merger, consolidation or acquisition under this Circular shall publish an announcement on at least 3 consecutive issues of a daily printed newspaper which is distributed nationwide.

The announcement must be concurrently posted at the head offices, branches and transaction bureaus of credit institutions involved in the merger, consolidation or acquisition and on the websites of these credit institutions, the State Bank of Vietnam and the Vietnam Banks Association.

2. The announcement must contain essential information as prescribed in the form provided in Appendix 1 to this Circular (not printed herein).

3. Credit institutions involved in a merger, consolidation or acquisition may publish a joint announcement on newspapers.

4. The merger, consolidation or acquisition contract must be sent to debtors and notified to laborers within 15 days after obtaining the Governor's in-principle approval of the merger, consolidation or acquisition of credit institutions.

 

Chapter II MERGER OF CREDIT INSTITUTIONS

Article 9. Merger conditions

1. Not falling into cases of economic concentration which are banned under the Competition Law;

2. Having a merger scheme with essential contents prescribed in Article 12 of this Circular. The merger scheme must not contravene the merger contract;

3. The charter capital of the merging credit institution after the merger must be at least equal to the legal capital prescribed by current law.

Article 10. Merger order and procedures

1. Credit institutions involved in a merger shall jointly elaborate a merger scheme, a merger contract and the charter of the merging credit institution (for cases in which, after the merger, the charter of the merging credit institution is to be revised). The charter of the merging credit institution after the merger, the merger scheme and the merger contract must be adopted by competent bodies of credit institutions involved. Chairpersons of the Boards of Directors of credit institutions involved shall sign, seal, and take responsibility for the content of, the merger scheme.

2. Credit institutions involved in a merger shall send a document to the competition administration agency to notify the merger or request entitlement to exemption, for cases in which merger is banned under the Competition Law.

3. In-principle approval of merger:

a/ Credit institutions involved in a merger shall jointly compile 5 sets of dossier as prescribed in Clause 1, Article 11 of this Circular to be sent by the merging credit institution to the State Bank (the Banking Inspection and Supervision Agency) for examination and decision;

b/ Within 5 working days after receiving complete dossier sets as prescribed in Clause 1, Article 11 of this Circular, the Banking Inspection and Supervision Agency shall send a document, enclosed with a dossier set, to:

(i) The State Bank's branches in provinces or centrally run cities where credit institutions involved in the merger are headquartered for, on the basis of their management and supervision work in localities and the dossier of application for approval of the merger, evaluating the organization and operation of credit institutions involved and expressing their viewpoints on the merger;

(ii) People's Committees of provinces and centrally run cities where credit institutions involved in the merger are headquartered for giving their opinions on impacts of the merger on the local socio-economic stability and expressing their viewpoints on the merger;

(iii) Departments under the State Bank whose functions and tasks are related to one or several
contents of the dossier for expressing their viewpoints on the merger (when necessary).

c/Within 15 working days after receiving the request of the Banking Inspection and

Supervision Agency, the above units shall send their written opinions on consulted issues to the former.

d/ Within 15 working days after receiving written opinions of units stated at Point b, Clause 3 of this Article, the Banking Inspection and Supervision Agency shall appraise the dossier and propose its opinions to the Governor for considering and granting in-principle approval or refusing to grant in-principle appeal of the merger. In case of refusal to grant ^principle approval, it shall clearly state the reason

4.Approval of merger:  

a/ Within 90 days after the Governor signs a document to grant in-principle approval of their merger, credit institutions involved in the merger shall:      

(i) Consult their competent bodies to adopt modified contents of the merger scheme and other related issues (if any);

(ii) Jointly compile 2 dossier sets as described in Clause 2, Article 11 of this Circular, which
will be sent by the merging credit institution to the State Bank (the Banking Inspection and Supervision Agency) for examination and approval.        

b/ Within 15 working days after the receipt of a complete dossier as prescribed in Clause 2, Article 11 of this Circular, the Banking Supervision and Inspection Agency shall appraise the dossier and propose its opinions to the Governor for approving or disapproving the merger of credit institutions. In case of disapproval, it shall clearly state the reason.

5. Within 15 working days after the effective date of the merger approval decision, the merged
credit institution shall complete procedures for withdrawal of its establishment and operation license and publish an announcement under relevant regulations; and the merging credit institution shall complete business registration procedures and make a merger announcement under Article 8 of this Circular.

Article 11. Dossiers of application for merger

1. A dossier of application for in-principle approval of merger comprises:

a/ An Application for in-principle approval of merger, made by the chairperson of the Board of Director of the merging credit institution according to the form provided in Appendix 2 to this Circular (not printed herein);

b/ The merger scheme with essential contents as prescribed in Article 12 of this Circular;

c/ The audited financial statement, which is used for the elaboration of the merger scheme under thS5agreement of competent bodies of credit institutions involved in the merger;

d/ Copies of establishment and operation licenses Copies of documents approving the expansion* of operational scope; and copies of business registration certificates of credit institutions involved in the merger, which are duly certified;

e/ Decisions of competent bodies of credit institutions involved in the merger as prescribed in Clause 1, Article 10 of this Circular. A decision of the merged credit institution authorizing the merging credit institution to propose the Governor to consider and approve the merger under this Circular;

f/ The written opinions of the competition management agency or the Industry and Trade Minister's or the Prime Minister's decision on

the grant of exemption, in case credit institutions involved in the merger are eligible for exemption as prescribed in Clause 2, Article 10 of this Circular. In case these documents are not required, the merging credit institution shall give written explanations and commit to take responsibility for the truthfulness of its report on non-violation of the Competition Law's provisions on economic concentration.

g/ The merger contract with principal contents as prescribed in the Enterprise Law.

h/ The draft charter of the merging credit institution (in case after the merger the charter of the merging credit institution is to be revised).

2. A dossier of application for approval of merger comprises:

a/ An application for approval of merger, made by the chairperson of the Board of Directors of the merging credit institution according to the form provided in Appendix 2 to this Circular (not printed herein);

b/ A report of the chairperson of the Board of Directors of the merged credit institution requesting withdrawal of the establishment and operation license;

c/ Decisions of competent bodies of credit institutions involved in the merger on matters prescribed at Point a, Clause 4, Article 10 of this Circular;

d/ A document of the merging credit institution, clearly stating modifications to the merger scheme already submitted to the Governor for in-principle approval of the merger (if any), signed by the chairperson of the Board of Directors of the merged credit institution;

e/ A report of the chairperson of the Board of Directors of the merging credit institution and the dossier of application for approval of contents which must be approved by the Governor as required by current law.

3. When necessary, the Governor may request credit institutions involved in the merger to make written explanation about contents of the dossier of application for approval of the merger.

 

Article 12. Merger schemes

A merger scheme must contain at least the following details:

1. Names, addresses and websites of credit institutions involved in the merger;

2. Names, addresses and telephone numbers of members of the Boards of Directors, members of the Control Boards and directors general of credit institutions involved in the merger;

3. A summary report on the financial status and operation of credit institutions involved in the merger up to the time prescribed at Point c, Clause 1, Article 11 of this Circular;

4. Reasons for the merger;

5. The charter capital of credit institutions involved in the merger and of the merging credit institution after the merger;

6. The list of shareholders holding dominant shares (for joint-stock credit institutions) or owners (for other credit institutions) of the merging credit institution after the merger;

7. Rights and obligations of credit institutions involved in the merger and concerned organizations and individuals (if any);

8. The merger roadmap;

9. The tentative plan on personnel, operational network and contents and other matters concerning the organization and operation of the merging credit institution after the merger;

10. The tentative business plan of the merging credit institution for the first 3 years after the merger. This business plan must contain at least an asset inventory and a report on expected business results; minimum capital safety ratios; operation efficiency criteria and explanations about the feasibility of the plan in each year;

11. Measures for converting and integrating the management information system* internal inspection, control and audit system and data transmission system so as to ensure smooth operation during and after the merged

12. Methods and time of converting contributed capital/share capital; forms of converting  contributed capital/share capital and corresponding conversion rates;

13. Liabilities of parties to the merger for expenses arising in the merger process

14. Plans for dealing with the case in which one or several credit institutions involved in the merger unilaterally renounce(s) the merger agreement.       

 

Chapter III

CONSOLIDATION OF CRE&T INSTITUTIONS

Article 13. Conditions for consolidation

1. Not falling into cases of economic concentration which are banned under the Competition Law;

2. Having a consolidation scheme with essential contents prescribed in Article 16 of this Circular. The consolidation scheme must not contravene the consolidation contract;

3. The charter capital of the consolidating credit institution must be at least equal to the legal capital prescribed by current law.

Article 14. Consolidation order and procedures

1. Consolidated credit institutions shall jointly elaborate a consolidation scheme, a consolidation contract and the charter of the consolidating credit institution. The consolidation scheme, the consolidation on contract and the charter of the consolidating credit institution must be adopted by competent bodies of consolidated credit institution. Chairpersons of the Boards of Director*of consolidated credit institutions shall seal, sign and take responsibility for the contents of, the consolidation scheme.

2. Consolidated credit institutions shall send a document to the competition administration agency to notify the consolidation or request entitlement to exemption, for cases in which consolidation on is banned under the Competition Law.  

3. In-principle approval of consolidation:

a/ Consolidated credit institutions shall jointly compile ^sets of dossier as prescribed in Clause 1, Articles of this Circular to be sent by the representing credit institution to the State Bank (the Banking Inspection and Supervision Agency) for examination and decision;

b/ Within 5 working days after receiving complete dossier sets as prescribed in Clause 1. Article 15 of this Circular, the Banking Inspection and Supervision Agency shall send a document, enclosed with a dossier set, to:

(i) The State Bank's branches in provinces or centrally run cities where consolidated credit institutions are headquartered for, on the basis of their management and supervision work in localities and the dossier of application for approval of the consolidation, evaluating the organization and operation of consolidated credit institutions and expressing their viewpoints on the consolidation;

(ii) People's Committees of provinces and centrally run cities where consolidated credit institutions are headquartered for giving their opinions on impacts of the consolidation on the local socio-economic stability and expressing their viewpoints on the consolidation;

(iii) Departments under the State Bank whose functions and tasks are related to one or several
contents of the dossier for expressing their viewpoints on the merger (when necessary).

c/ Within 15 working days after receiving the request of the Banking Inspection and Supervision Agency, the above units shall send their written opinions on consulted issues to the Banking Inspection and Supervision Agency.

d/ Within 15 working days after receiving written opinions of units stated at Point b, Clause 3 of this Article, the Banking Inspection and Supervision Agency shall appraise the dossier and propose its opinions to the Governor for considering and granting in-principle approval or refusing to grant in-principle approval of the consolidation. In case of refusal to grant in-principle approval, it shall clearly state the reason.

4. Approval of consolidation:

a/ Within 90 days after the Governor signs a document to grant in-principle approval of their consolidation, consolidated credit institutions shall:

(i) Consult their competent bodies to adopt modified contents of the consolidation scheme
and other related matters (if any);

(ii) Jointly compile 2 dossier sets as prescribed in Clause 2, Article 15 of this Circular, which will be sent by the representing credit institution to the State Bank (the Banking Inspection and Supervision Agency) for examination and approval.

b/ Within 15 working days after the receipt of complete dossiers as prescribed in Clause 2, Article 15 of this Circular, the Banking Supervision and Inspection Agency shall appraise the dossier and propose its opinions to the Governor for approving or disapproving the consolidation. In case of disapproval, it shall clearly state the reason.

c/ Within 15 working days after the effective date of the consolidation approval decision, consolidated credit institutions shall complete all procedures for withdrawal of establishment and operation licenses and make an announcement under relevant regulations; the consolidating credit institution shall complete business registration procedures, make a consolidation announcement according to Article 8 of this Circular, and launch its operation according to current law.

Article 15. Dossiers of application for consolidation

1. A dossier of application for in-principle approval of consolidation comprises:

a/An application for in-principle approval of consolidation, made by the chairperson of the Board of Directors of the representing credit institution according to the form provided in Appendix 2 to this Circular (not printed herein);

b/ The consolidation scheme with essential contents as prescribed in Article 16 of this Circular;

c/ The audited financial statement which is

used for the elaboration of the consolidation scheme under the agreement of competent bodies of consolidated credit institutions;

d/ Copies of establishment and operation licenses; copies of documents approving the expansion of operational scope; and copies of business registration certificates of consolidated credit institutions, which are duly certified:

e/ Decisions of competent bodies of consolidated credit institutions prescribed in Clause 1, Article 14 of this Circular. Decisions of consolidated credit institutions authorizing a representing credit institution to purpose the Governor to consider and approve the consolidation under this Circular;  

f/ The written opinions of the competition administration agency or the Industry and Trade Minister's or the Prime Minister's Decision on the grant of exemption, in cases credit institutions involved in the consolidation are eligible for exemption as prescribed in Clause 2?Article 14 of this Circular. In case these documents are not required, credit institutions involved, in the consolidation shall give written explanations and commit to take responsibility for the truthfulness of their reports on non-violation of the Competition Law's provisions on economic concentration.

g/ The consolidation contract principal contents as prescribed in the Enterprise Law.

h/ The draft charter of the consolidating credit institution.

2. A dossier of application for approval of consolidation comprises:

a/ An application for approval of consolidation, made by the chairperson of the Board of Directors of the representing credit institution according to the form provided in Appendix 2 to this Circular (not printed herein);

b/ Reports of chairpersons of the Boards of Directors of consolidated credit institutions requesting withdrawal of establishment and operation licenses;

c/ Decisions of competent bodies of consolidated credit institutions on matters prescribed^ Point a, Clause 4, Article 14 of this Circular.

d/ A document of the representing credit institution clearly stating modifications to the consolidation scheme already submitted to the Governor for in-principle approval of the consolidation (if any), signed by chairpersons of the Boards of Directors of consolidated credit institutions;

e/ A report of the chairperson of the representing credit institution and a dossier of application for approval of contents which must be approved by the Governor as required by current law.

3. When necessary, the Governor may request consolidated credit institutions to make written explanations about contents related to the dossier of application for approval of the consolidation.

Article16. Consolidation schemes

A consolidation scheme must contain at least the following details:

1. Names, addresses and websites of consolidated credit institutions;

2. Names, addresses and telephone numbers of members of the Boards of Directors, members of the Control Boards and directors general of consolidated credit institutions;

3. A summary report on the financial status and operation of consolidated credit institutions up to the time specified at Point c, Clause 1, Article 15 of this Circular;

4. Reasons for the consolidation;

5. Charter capital of consolidated credit institutions and the consolidating credit institution;

6. The list of shareholders holding dominant shares (for joint-stock credit institutions) or owners (for other credit institutions) of the consolidating credit institution;

7. Rights and obligations of consolidated credit institutions and concerned organizations and individuals (if any);

8. Conditions and formalities for meeting and voting on decisions related to the consolidating credit institution;

9. The consolidation roadmap;

10. The tentative business plan of the consolidating credit institution for the first 3 years after the consolidation. This business plan must contain at least an asset inventory and a report on expected business results and specify minimum capital safety ratios; operation efficiency criteria and explanations about the feasibility of the plan in each year;

11. The tentative plan on personnel, operational network and contents and other matters related to the organization and operation of the consolidating credit institution;

12. Measures for converting and integrating the management information system, internal inspection, control and audit system and data transmission systems so as to ensure smooth operation during and after the consolidation;

13. Methods and time of converting contributed capital/share capital; forms of converting contributed capital/share capital and corresponding conversion rates;

14. Plans for dealing with the case in which one or several consolidated credit institutions unilaterally renounce(s) the consolidation agreement.

 

Chapter IV

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Mật ong nguyên chấtChuyên cung cấp sỉ và lẻ mật ong nguyên chất 100% tại TPHCM từ thiên nhiênDịch vụ điện hoa Hoa Tươi 360o với dịch vụ điện hoa chuyên nghiệp, giá hợp lý giúp bạn gởi đến người thân những bó hoa tươi đẹp nhấtShop hoa phong lan Hoa tươi 360o là shop hoa phong lan TPHCM chuyên cung cấp các loại hoa lan hồ điệp và địa lanHoa giỏ Hoa giỏ để bàn tạo cho không gian làm việc trở nên cực kỳ ấn tượng, được sử dụng trong các dịp như đám cưới, tặng sếp, sinh nhật....Hoa bó Hoa tươi 360o giúp bạn gởi đến bạn bè, người thân hoa bó chúc mừng sinh nhật, tốt nghiệp, hoa tặng sếp nam giá hợp lý, giao hoa miễn phí TP. HCMhoa chúc mừng Hoa tươi 360o chuyên điện hoa chúc mừng khai trương: kệ hoa khai trương, giỏ hoa khai trương... với giá hợp lý, giao hoa miễn phí trong TPHCMHoa chia buồn Hoa tươi 360o chuyên điện hoa chia buồn ở TPHCM với giá cả hợp lý, giao hoa miễn phí ở TPHCMHoa chúc mừng sự kiện Hoa chúc mừng sinh nhật, hoa chúc mừng sự kiện tặng bạn bè hoặc người thân những dịp trọng đại, giao hoa miễn phí nội thành TPHCMShop hoa cưới Hoa cưới đẹp giúp đám cưới của bạn thêm ý nghĩa. Gọi 1900 545 587 để được shop hoa cưới - Hoa tươi 360o tư vấn, giao hoa cưới miễn phí ở Bình Thạnh và tại TPHCMhoa tươi Shop Hoa tươi 360o với dịch vụ hoa tươi giúp bạn gởi đến người thân những bó hoa tươi đẹp - giá hợp lý, giao hoa miễn phí tại TPHCMĐặt quần áo đá banh Đặt quần áo bóng đá - Đặt quần áo đá banh ở TPHCM với chất lượng tốt, giá ưu đãi. Gọi 0903 009 041 để Đặt quần áo bóng đá - Đặt quần áo đá banhGiày Futsal PAN Thái LONI chuyên cung cấp các loại giày Futsal PAN Thái Lan giá rẻ trên toàn quốc. Gọi 0903 009 041 gặp MS. Nhi để đặt giày Futsal Pan Thái  giá rẻgiày đá banh cỏ tự nhiên LONI Sport chuyên cung cấp các loại giày đá banh cỏ tự nhiên giá rẻ với nhiêu mẫu mã đẹpGiày đá banh cỏ nhân tạo LONI SPORT kinh doanh sỉ và lẻ giày bóng đá, giày đá banh cỏ nhân tạo, giày futsal Pan Thái Lan với giá cạnh tranh kèm quà tặng hấp dẫngiày đá banh LONI SPORT kinh doanh sỉ và lẻ giày đá banh, giày bóng đá cỏ nhân tạo Fake1, giày futsal Pan Thái Lan với giá cạnh tranh kèm quà tặng hấp dẫnáo bóng đá - áo đá banh LONI Sport chuyên thiết kế và sản xuất quần áo đá banh, áo bóng đá ở TPHCM. Quý khách đặt áo đá banh vui lòng liên hệ: 0983 031 509 - 0903 009 041Shop quần áo đá banh - Shop bán đồ thể thao Shop bán đồ thể thao Loni Sport chuyên bán quần áo đá banh, phụ kiện thể thao như: giày đá banh, túi xách, vớ ...Gọi 0983 031 509 - 0903 009 041DỰ ÁN CĂN HỘ NEWTON RESIDENCE DỰ ÁN CĂN HỘ NEWTON RESIDENCE sẽ chính thức mở bán vào 30/2/2016. LH mua CĂN HỘ NEWTON RESIDENCE 0903414547-0933333188Thay mặt kính Ipad Thay mặt kính Ipad giá rẻ nhất TP. HCM, lấy liền có bảo hànhThay mặt kính Samsung Thay mặt kính Samsung giá rẻ nhất TP. HCM, lấy liền có bảo hànhthay mat kinh Iphone Thay mặt kính Iphone giá rẻ nhất TP. HCM, lấy liền có bảo hànhThay mặt kính Iphone 6S Thay mặt kính Iphone 6S giá rẻ nhất TP. HCM, đặc biệt chờ lấy liền. Nhận thay mắt kính Iphone 6S cho các cửa hàng Cọc khoan nhồi Nền Móng Đất Phương Nam chuyên thi công cọc khoan nhồi mini với phương pháp và thiết bị hiện đại, đội ngũ nhân viên chuyên nghiệp. Gọi ngay 0919 49 8080Phụ kiện nhà bếp Inox 304 Phụ kiện nhà bếp bằng Inox 304 do Hòa Bình Glass sản xuất và phân phối giúp cho các bà nội trợ nhanh chóng giải quyết vấn đề dầu mỡ vì dễ lau chùi, tiện lợi và nhanh chóngGương soi phòng tắm Gương soi phòng tắm do Hòa Bình Glass sản xuất từ nguyên liệu kính Guardian của Mỹ với nhiều mẫu mã phong phúPhụ kiện phòng tắm Hobig chuyên sản xuất và phân phối phụ kiện phòng tắm, liên hệ để có bảng giá sỉ phụ kiện phòng tắm phù hợp cho mọi nhàPhụ kiện nhà bếp Hòa Bình Glass chuyển sản xuất và phân phối phụ kiện nhà bếp. Liên hệ để có bảng giá phụ kiện nhà bếp cho đại lýthay mặt kính Iphone 6s Plus thay mặt kính Iphone 6s Plus giá rẻ nhất TP. HCM, đặc biệt chờ lấy liền và có bảo hành đầy đủ

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