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Certainly a measure of HMIC's effectiveness is attributable to not only its highly productive staff, but to its mature strategic partnerships with highly reliable and well regarded institutions that provide equipment, financing, materials, insurance, etc. By being a reliable and trusted partner, HMIC has maintained a financial partnership with its primary bank, Vietnam Joint Stock Commercial Bank for Private Enterprises, for 10 years. Vietnam Bank of Investment and Development, one of our new bank, has been our lead provider of financing for over three years as well. The long term, high trust relationships HMIC has been building for over 10 years enables us to provide the construction services our customers have come to rely on.