Decision No. 391/2003/QD-NHNN dated April 28, 2003 of the State Bank of Vietnam amending and supplementing Point 3 of the State Bank Governor’s Circular No. 04/2002/TT-NHNN of July 3, 2002 which guides the reduction of lending interest rates of the State-run Commercial Banks for traders in mountain and island regions ii and iii and regions inhabited by ethnic minority people according to the provisions in the Government’s Decree No. 02/2002/ND-CP of January 3, 2002