Client Supports

Supported Utilities

Opening/Closing Account

I. Open a Securities Trading Account

1.1 Open a Securities Trading Account at VCBS’ offices

Procedure of opening a Securities Trading Account:

Step 1: Open a bank account at Vietcombank (Section 1b, Article 32, Decision 27/2007/QÐ-BTC issued by the Ministry of Finance dated 24/4/2007, customer of a securities company must open account at the commercial bank which is appointed by the securities company)

Step2: Accountants guide the customer how to fill out the customer profile, which includes:

+ Request form to open an account: 2 copies (For personal/for Business)

+ Open Security Trading Account contract: 02 copies (For personal/for Business)

+ Registration of Online Trading contract (optional): 02 copies (Contract form)

Besides, Customer needs to present:

+ If Customer is Vietnamese: Bring ID card

Note: Deposit from customer in the account at VCBS is eligible to receive the non-term interest rate according the non-term interest rate of Vietcombank.

+ If Customer is Vietnamese institutions:

- Business registration certificate (Notarized copy): 01 copy

- Confirmation of promoting to the position: Director, Chief Accountant (notarized copy): 01 copy.

Contact:

+ Hanoi: (84-4) 39367518/19 or (84-4) 3936 6990 - Ext 211/212

+ Ho Chi Minh city: (84-8) 3820 8116 - Ext 504

(84-8) 3820 0799 - Ext 225/215/201

+ Da Nang: (84-511) 3888 991 – Ext: 11/14/51/24

+ Can Tho: (84-710) 3750 889

+ Vung Tau: (84-64) 3513 974/978

+ An Giang: (84-76) 3949 841

+ Dong Nai: (84-61) 3918 812

1.2 Open an Online Security Trading Account

Step 1:

- Customer must log in at VCBS website: http://www.vcbs.com.vn

- Click the link: Open an Online Securities Trading Account

Step 2:

- Customer fill out the Registration online Securities Trading Account form

- Customer review the information and select “Save” to confirm the information sent to VCBS

- VCBS will send a confirmation email to the Customer including Profile code and Password

- Customer can log in the Profile code and update more details.

Step 3:

- VCBS staffs will contact to guide and support Customer to complete the profile and register for our services.

- After Customer completes the Profile, VCBS will provide the Securities Trading Account Number, services and utilities. The Securities Trading Account will be valid from the date that Customer receives the account number notification from VCBS

Customer can access http://www.vcbs.com.vn for trading guide and learn more about other services/utilities or please contact VCBS hotlines:

+ Hanoi: (84-4) 3936 7520 or (84-4) 3936 7518/19/20;

(84-4) 3936 6990 - Ext: 211/212;

+ Ho Chi Minh city: (84-8)-38200774/75/76; 38200799 - Ext:: 101-104

+ Da Nang: (84-511)-33888991 - Ext:: 12/13

+ Can Tho: (84-710)-3750 888

+ Vung Tau: (84-64) 3513974/75/76/77/78

+ An Giang: (84-76)-3949841

+ Dong Nai: (84-61)-3918812

II. Closing a Security Trading Account at VCBS

- Step 1: Provide ID card

- Step 2: Transfer the remaining balance from your Securities Trading Account (if any) to your personal bank account.

- Step 3: Fill out Securities Trading Account information and securities balance in the “Request to close account”

* In case the account has no remaining securities balance

- Finish the procedure

*In case the account has remaining securities balance

- Provide 1 copy of Open Security Trading Account contract (stamped) of the Securities Company that the Customer would want to transfer the remaining to.

Stock transaction

I. Guidelines on Stock transaction in VCBS

Step 1: Please get the Promissory note at the Stock Exchange

+ Buy order

+ Sell order

+ Cancel order

+ Edit order

Step 2: Fill out the information and sign in the Order ticket.

Step 3: Transfer your Order ticket to the broker

II. Tele-instruction for stock transaction

Step 1: Please contact our Hotlines:

+ Hanoi: (84-4) 39367518/19/20; 3936 6990 – Ext 211/212

+ Ho Chi Minh city: (84-8) 38 200 774/75/76

(84-8) 38 200 799 – Ext: 101/104

+ Da Nang: (84-511) 3888 991 - Ext: 12/13

+ Can Tho: (84-710) 3750 888

+ Vung Tau: (84-64) 3513 975/76/77

+ An Giang: (84-76) 3949 841

+ Dong Nai: (84-61) 3918 812

Step 2: Provide the following information in order for the Broker:

1. Account number

2. Name of the account holder

3. Telephone trading password (this password is registered by customer when opening account/registering the tele-trading service)

4. Order type (Buy, Sell, Cancel and Edit)

5. Ticker

6. Order Volume

7. Price

Step 3: Broker places order and reports to the Customer via SMS or Email

III. Guidelines on stock trading via internet

- Via VCBS Cyber Investor

Step 1: Sign Registration of Online Trading contract with VCBS

Step 2: Access website: https://trading.vcbs.com.vn

Step 3: Enter the access code, password and the Captcha code as requested

Step 4: Select “Buy”/ “Sell” / “Other”

Step 5: Select Security, Stock volume, Option, Price, other services

Step 6: Select “Place order”, Enter the Trading password

- Place Online order on VCBS quoteboard

Note: Customers must log in to use the Cyber Investor system

Step 1: Right click in the Ticker on the VCBS quoteboard, the screen will automatically display “Order placing interface” with indicators: ticker, order types, volume and price

Step 2: Choose Order type (Margin order or Ordinary order)

Step 3: Enter the Buy/Sell volume

Step 4: Enter the Price:

- Price in trading range

- Or ATO (At the open order)

- Or ATC (At the close order)

- Or MP

Step 5: Select Buy/Sell => Cyber investor will display the order information of the Customer.

Step 6: Enter the password and select Confirm

Please read the full Instruction manual online via VCBS quoteboard.

- Canceling group orders

Step 1: On the Cyber Investor interface, select Order status

Step 2: Interface displays the details status of the Ticker

Step 3: Select each order to cancel or tick the Cancel Order to cancel all unmatched orders or only partial matched orders.

Step 4: Select Cancel Order

- Place a similar order

Step 1: Select Order statement on Cyber Investor interface

Step 2: Select Place Order to place Buy/Sell order to place order with similar indicators of the previous order

Step 3: The interface will automatically display information about Account type, Ticker, Option, and stock volume, Order price and Similar order

Step 4: Enter the trading password and confirm to complete the order.

Please read the full Instruction manual of Cancel group orders and Place similar order.

- Auto-Split order

Step 1: Customer must log in the VCBS Cyber Investor system.

Step 2: Select a Securities Trading Account to place Buy/Sell order.

Step 3: Select Ticker and the transaction volume

Step 4: With an order of large volume, the VCBS system will automatically split into many orders in compliance with allowed volume stated on the stock trading rules.

Step 5: Enter the trading password and click Confirm.

Please read the full Instruction Manual of Auto-Split order.

- Auto-Release Order

Step 1: On Cyber Investor interface, select Release Order

Step 2: Select an order that you want to release

Step 3: Select Confirm button “Release order”

Please read the full Instruction of how to release order.

IV. Guidance on Downloading VCBS analysis report

Condition on downloading the Analysis report from the VCBS website:

- Customer must have VCBS Securities Trading Account and

- Customer must register for the VCBS online trading service.

Step 1: Customer must log in to download report from VCBS website

1.1 Enter access code: 06 last numbers of your Securities Trading Account (Example: 009C123456)

1.2 Enter password: Customer’s password in Cyber Investor system.

1.3 Enter security code displayed on the website.

Step 2: Customer select “Access”

Step 3: The screen displays the content of the Analysis Report for your research

Step 4: In case Customer implements other commands, the VCBS system will automatically update the searching information on the website. Customer can download other available reports from the website of VCBS.

Money management

I. Guidelines on how to deposit into Security Trading Account

1. Deposit/direct transfer from the Bank

• In Hanoi and other national provinces (free of charge for depositing/transferring when performing within the same system of Vietcombank), please transfer into this account:

Account name: Cong ty TNHH Chung Khoan Ngan Hang TMCP Ngoai Thuong Viet Nam

Account number: 0011002475230 at Vietcombank - Operation Center

Content: "009Cxxxxxx, Nguyen Van A" (Nguyen Van A is the name of the Securities Account holder)

• In Ho Chi Minh City and other national provinces (free of charge for depositing/transferring when performing within the same system of Vietcombank), please transfer into this account:

Account name: Cong ty TNHH Chung Khoan Ngan Hang TMCP Ngoai Thuong Viet Nam

Account number: 0371000408450 at Vietcombank - Tan Dinh branch

Content: "009Cxxxxxx, Nguyen Van A" (Nguyen Van A is the name of the Securities Account holder)

• In Da Nang city and other national provinces (free of charge for depositing/transferring when performing within the same system of Vietcombank), please transfer into this account:

Account name: Cong ty TNHH Chung Khoan Ngan Hang TMCP Ngoai Thuong Viet Nam

Account number: 0041000152368 at Vietcombank - Da Nang branch

Content: "009Cxxxxxx, Nguyen Van A" (Nguyen Van A is the name of the Securities Account holder)

• In Can Tho City and other national provinces (free of charge for depositing/transferring when performing within the same system of Vietcombank), please transfer into this account:

Account name: Cong ty TNHH Chung Khoan Ngan Hang TMCP Ngoai Thuong Viet Nam

Account number: 0111000187888 at Vietcombank - Can Tho branch

Content: "009Cxxxxxx, Nguyen Van A" (Nguyen Van A is the name of the Securities Account holder)

• In Vung Tau City and other national provinces (free of charge for depositing/transferring when performing within the same system of Vietcombank), please transfer into this account:

Account name: Cong ty TNHH Chung Khoan Ngan Hang TMCP Ngoai Thuong Viet Nam

Account number: 0081000797979 at Vietcombank - Vung Tau branch

Content: "009Cxxxxxx, Nguyen Van A" (Nguyen Van A is the name of the Securities Account holder)

2. Transferring money online to Security Trading Account via VCBS-Ib@nking

Condition: Customer must register to use VCB-IB@nking service at Vietcombank

These are the following steps:

Step 1: Access the VCB-IB@nking at Vietcombank, then enter the Username, Password is provided when registering the Internet Banking service with VCB together with the OTP from security system.

Step 2: Select “Financial services”, the screen will display the following:

- Service provider: Select VCBS – Vietcombank Securities Company

- Customer code: Fill in the Securities Trading Account 009Cxxxxxx

- Customer’s name: Fill in the Account holder name Nguyen Van A

- Select Confirm

Step 3: OTP will be sent via SMS from the Vietcombank to the Customer’s phone number. Then Customer enters the OTP, the transferring command is complete.

Please read the full Instruction of money transferring to Securities Trading Account at VCBS

Regulation about receiving, recording customer’s transactions:

+ Regarding In-coming money transaction from 0h00 - 16h30 from Monday to Friday (excluding Saturday, Sunday and official holidays) will be accounted by VCBS into the securities trading account of customer within the day of the transfer.

+ Regarding In-coming money transaction made in non-working hours listed above will be accounted by VCBS into the securities trading account of customer within the following working day.

Customer can read full guidelines on transferring money from Vietcombank account to the Securities Trading Account

II. Guidelines on transferring money from Securities Trading Account to Bank account

1. Direct transfer at VCBS

In order to complete this transaction from your Securities Trading Account at VCBS to Vietcombank account, Customer must go to VCBS’ offices to fill out the direct standing order and complete the money transfer procedure according to Vietcombank most recent regulations. After the money is transferred to VCB bank account, Customer can withdraw money at any VCB business centers or via ATM card (if available).

2. Direct transfer to Bank account via Cyber Investor system

a. Condition for Customer to transfer money online:

Customer signed the Registration of Online Trading contract with VCB; registered account number under the name of the account's owner at Vietnam Commercial Bank and the mobile number in order to receive the transaction confirmation code, report the transaction result to VCBS.

b. Sign up to use the service: Register Transfer under "Registration Services" in online accounts at VCBS Cyber Investor

c. These are the following steps:

Step 1: Access the Securities Trading Account at https://trading.vcbs.com.vn

Step 2: Select “Transfer money”, the screen will display the following information:

- Customer’s Account Name and Account Number to receive money at VCB

- Mobile phone number to receive transaction confirmation code

- Balance can be used from the Securities Trading Account of the Customer at VCBS

Step 3: Log in

- Amount of money needed to transfer

- Money transfer fee (Internal fee or External fee)

- Content

Step 4: Click the Transfer button

Step 5: Check the money transfer information displayed on screen, then confirm the transaction by entering the transaction code that is sent from VCBS system to the Customer’s Mobile Phone number.

Securities Management

I. Guidelines on Securities Depository

Step 1: Complete the Securities Depository file which includes:

+ Record of Securities Ownership Certificate (original)

+ For Individual customer: ID card/Passport (Photocopy & Original for comparison)

For Institutional customer: Business registration certification (Photocopy & Original for comparison)

+ 03 Securities depository forms

+ 01 Change of information form

Step 2: Provide a completed Depository file for the Depository Department at any VCBS’ office.

Step 3: VCBS checks the information, completes the procedures and handovers to Customer 01 Securities depository form.

Contacts:

+ Hanoi: (84-4) 3936 6990 - Ext: 164/165/174

+ Ho Chi Minh city: (84-8) 3820 0799 - Ext: 209/215

+ Da Nang city: (84-511) 3888 991 - Ext: 14/24

+ Can Tho: (84-710) 3750 888 – Ext: 101/102

+ Vung Tau: (84-64) 3513 974

+ An Giang: (84-76) 3949 841

+ Dong Nai: (84-61) 3918 812

II. Guidelines for trading rights

Customers need to have sufficient cash in their accounts or have to deposit more cash in their Trading Account to execute their rights:

a. For direct Customers at any VCBS’ office

Customers need to complete the right execution process including 2 copies of Registration for purchasing securities document at transaction offices of VCBS

b. For Online trading customers

*Register Online Trading

+ Sign a Registration of Online Trading contract at any VCBS Transaction Centers.

+ Register to trade online via Cyber Investor:

- Step 1: Log in cyber by Customer’s account

- Step 2: Select “Utilities” then choose “Corporate Action” at the left menu of screen.

- Step 3: After reading and understanding all the terms clearly, customers tick the agree box regarding the principles of Online right execution of VCBS

- Step 4: Select “Complete” on screen to complete the registration process.

*How to use the service: Guidelines on using online right execution service

III. Guidelines on Transfer of share purchase right Agreement

Step 1: Customers complete the execution process of Transfer of share purchase right agreement at the VCBS Depository Department, which includes:

+ Securities Transfer of share purchase right Agreement (1 copy)

+ Request form of Transfer of share purchase right as Form No. 16/THQ (3 copies) or Request transferring securities rights due to Account settlement as Form No. 19/ THQ (3 copies) when customers already closed their account.

Step 2: Customers pay transfer tax at the Accounting Department

Step 3: VCBS completes and validates all the procedures and returns to the Customer 01 payment slip and 01 Request Transfer of share purchase form.

VCBS-SMS

I. Registration guidelines

Customer must register his/her mobile phone number to receive information from VCBS via SMS for security reasons. There are two ways to register:

*Direct registration at VCBS (or)

*Registration by logging in your Securities trading account online at https://trading.vcbs.com.vn (Available for customers who already registered to use online trading).

II. VCBS-SMS Standard rules:

*Hotline: 997

*All incoming from VCBS-SMS starts with the keyword: VCBS

*Responding message will be the latest data (In case it is a non-working day, the data is the nearest trading-day data)

*Account number is the last 6 digits of the Customer’s VCBS account. The account number may or may not include the character 0 and the phrase “009C”. For example: 6868 and 006868 are equivalent to 009C006868

* Customers can send message in both uppercase-letter and lowercase letter.

*Unit price: VND 1000

*Unit volume: 1 stock

III. Message Services

1. Account information inquiry

a. Account balance inquiry: cash balance inquiry, Securities balance inquiry

Text: VCBS sd/sodu and send to 997

For example: VCBS sd

Responding message: TK 123456 – So du – Tien: 1,000,000,000 AGF: 1,500 REE: 600 SJS: 3,000 – Cam co - Tien: 250,000 VNM: 1,500

Where So du = Balance; Tien = Cash; Cam co = Mortgage

b. Auction information inquiry: Customer auction information inquiry

TEXT : VCBS kq/ lk/lenhkhop/kl/khoplenh/k and send to 997

For example: VCBS lenhkhop

Responding message: VCBS-KL-DD/MM/YYYY TK: 123456 B: 5,000-DPM-50.5 200 -REE-30.1 M: 19,000-STB-40

2. Market information inquiry

VCBS keeps customers updated with Market information. We also provide continuously update market information during the trading-hour.

a. Market information: basic information from HOSE and HASTC

TEXT: VCBS index and send to 997

For example: VCBS index

Responding message: VCBS-DD/MM/YYYY VN Index: 531.8 T/G: -6.01 -1.01% KL: 6,523,300 GT: 583.51Ty HASTC Index: 170.9 T/G: +2.86 +1.7% KL: 1,998,000 GT: 175.15Ty

b. Price information: Securities trading information, price celling, price floor, reference price; 03 levels of best buying and selling prices. (After trading hours, the received information will be prices of latest trading session).

TEXT: VCBS gia (Ticker symbol) and send to 997

For example: VCBS gia stb

Responding message: VCBS-STB-DD/MM/YYYY Tr=39.8 S=37.2 TC=38.5 Mua; ATO 1,230 39.8; 189,190 38; 6660; Ban ATO; 1,189,890 37.2; 52,10 38; 1,130; Khop:1,200; 38.5; -1.2 TongKLGD=200,000.

Where Mua = Buy; Ban = Sell; Khop = Matched volume; TongKLGD = Total matched volume

c. Foreign Investor’s trading and ownership information:

TEXT: VCBS nn/ nuocngoai (Ticker) and send to 997

For example: VCBS nn nav

Responding message: VCBS-NAV-DD/MM/YYYY Giao dich NDT Nuoc ngoai: Mua: 12,000 Ban: 500 Khoi luong co phieu NDT nuoc ngoai con duoc phep mua: 19,566,300. http://info.vcbs.com.vn

Where Mua = Buy; Ban = Sell; Khoi luong co phieu NDT nuoc ngoai con duoc phep mua = Stock volumes that Foreign Investors are allow buying

3. Dividend payout, stock split, stock rights Information

Latest stock news Inquiry:

TEXT: VCBS tin (Ticker) and send to 997

For example: VCBS tin nav

Responding message: NAV: 20/3/08 chot danh sach tra co tuc 10%, thuong co phieu ty le 50%; 20/4/08 chot danh sach Dai hoi co dong thuong nien nam 2008.

(English SMS is not supported at the moment so please contact your broker directly for information)

4. VCBS Transaction centers

VCBS Transaction centers location inquiry

TEXT: VCBS LH/Lienhe (city) and send to 997

For example: VCBS LH hanoi

Responding message: Ha Noi: 1.17th floor, VCB Tower, 198 Tran Quang Khai street, Hoan Kiem district. Contact: (04) 9366426. 2. 12th floor, VCB Tower, 198 Tran Quang Khai street, Hoan Kiem district. Contact: (04)9366990. 3.1st floor, CTM building - 299 Cau Giay street. DT: (04)2201599

5. VCBS-SMS service instruction for customers

TEXT: VCBS SMS/HD and send to 997

For example: VCBS SMS

Responding message: VCBS-SMS : 1.So du: VCBS SD 2.Lenh khop: VCBS K 3.VN-Index: VCBS index 4.Gia chung khoan: VCBS gia ma_ck 5.Room cuar NDT NN: VCBS NN ma_ck 6.Thong tin ve quyen: VCBS tin ma_ck 7.Diem GD cua VCBS: VCBS LH.

(English SMS is not supported at the moment so please contact your broker directly for information)

6. When customers send incorrect context message

VCBS will notice the incorrect message and also provide information about VCBS-SMS supported services to the customer’s phone.

Responding message: Send “Your message is incorrect”. Please contact our toll-free hotline at 19001255 or visit our website at www.vcbs.com.vn for more details about VCBS service. Thank you.

(English SMS is not supported at the moment so please contact your broker directly for information)

Trading password Recovery via SMS

Guidelines on service registration and trading password recovery via SMS

Step 1: Customer must follow the instructions of the trading password recovery section on the Cyber Investor interface.

Step 2: After receiving customer’s password request, VCBS will examine to see if the provided details are accurate and valid, while sending “Trading password” via SMS to the Customer’s registered mobile phone number.

Step 3: Customers use the temporary “Trading password” provided by VCBS to log in.

Step 4: Customer must set a new Trading password immediately after successfully logging in the VCBS Cyber Investor system via the temporary provided password.

For more details, please click “Instruction”

Margin Trading Service Guide

I. Register to use margin trading service at VCBS

Customers sign the Margin Trading Account Registration Form at any VCBS’ office. After signing the form, Customers now can use the Margin trading service at VCBS.

II. Sign up to use Online Margin Trading Service at VCBS

After registering to use VCBS service which mentioned above, Customers please perform these following steps:

Step 1: Customers sign an Online Margin Trading registration form with VCBS

Note: For Customers that already registered to use the Online Trading at VCBS, step 1 is not required.

Step 2: Customers must log in VCBS Cyber Investor account. Section “Service Registration”, Customers are welcome to select “Register Online Margin Trading”, please read the content carefully and confirm on the Cyber Investor system to officially use the Online Margin Trading service at VCBS.

III. Notes about Margin trading service at VCBS

• Requirements for placing a margin trading order:

- Customers must complete the Registration of using the Margin Trading product

- The Ticker related to your order must be included in the margin trading ticker list provided by VCBS

- Trading amount must be lower than Customer trading's limit set by VCBS.

• Requirements for transferring funds / stocks from margin trading account to ordinary account

- Customer’s maintenance rate must be equal or higher than Minimum maintenance margin rate provided by VCBS.

• Cases that VCBS requires margin call

- During terms of contract (based on each margin trading order), Customer’s Maintenance rate must be lower than Minimum maintenance rate as requirement by VCBS.

With regard to this case, on the next working day, VCBS will send a notice for Margin call, Customers are allowed to decide whether to sell security on his/her account to pay debt for VCBS. In case Customers are unable to repay the amount of debt and any other relating fees for VCBS after the notice, VCBS will collect debt according to Contract terms.

- During terms of contract deadline (based on each margin trading order), Customers are not able to pay his/her debt for VCBS.

With regard to this case, when the Customers cannot fully repay the amount of debt and any other relating fees for VCBS, on the next working day VCBS will send a notice for Margin call and collect debt according to Contract terms.

• Options for adding funds/securities to guarantee the customer's account functions normally when his/her account is due for a margin call

- Customers add more assets by transferring stocks from ordinary account to Margin Trading account to assure the maintenance rate in the Customer’s account being equal to or higher than Minimum maintenance margin rates as required by VCBS.

Note: This applies only when the Customer’s stock is included in the stock list that VCBS accepts for margin trading.

- Customers add more assets by selling stocks from the Margin trading account to assure the maintenance rate in the Customer’s account being equal to or higher than maintenance margin rate as required by VCBS.

- Customers add more assets by transferring cash into the Margin Trading account to assure maintenance rate in the Customer’s account being equal to or higher than the Minimum maintenance margin rate as required by VCBS.

• Stock price under executing related rights

- 3 working days prior to the ex-right date, the security price will automatically adjust downward according to the calculation of the stock exchange

- Customers need to be proactive to keep track of his/her maintenance rate, make Adjusting maintenance rate plan to avoid the possibility of his/her Margin trading account being due for margin call as a result of discount in this case.

• Stock price for delisted/non-traded/under watch list securities:

- In case the securities are delisted, be stopped for trading, be placed on the under control list or the alert list, the security price will be adjusted to 0 right after there is an official announcement from the authority.

- Customers need to be proactive to keep track of his/her maintenance rate, make Adjusting maintenance rate plan to avoid the possibility of his/her Margin trading account being due for margin call as a result of down price in this case.

• Stock price for delisted securities from those are permitted in VCBS Margin trading list:

- Accounts that still hold securities which are excluded from the permitted Margin trading list at VCBS will be evaluated by VCBS.

- Customers need to be proactive to keep track of his/her maintenance rate, make Adjusting maintenance rate plan to avoid the possibility of his/her Margin trading account being due for margin call as a result of down price in this case.

IV. Terminate/stop using Margin Trading service at VCBS

Step 1: Customers must contact any VCBS’ office to fully implement all obligations related to the margin trading contract with VCBS.

Step 2: VCBS confirms that the Customers have successfully implemented the obligations listed in the contract, Customer will then sign the Contract Termination with VCBS.

Step 3: VCBS confirms to stop providing Margin Trading service to the Customer.

After Step 3, Customers will terminate all bindings related to VCBS Margin Trading service. VCBS sincerely thanks Customers for using VCBS Margin Trading service.

Cash Advance Service

I. Customers who trade directly at VCBS

Step 1: Provide ID card, Power of Attorney (If apply)

Step 2: Request Accountant to proceed and print the Cash advance Contract

Step 3: Sign the Contract

II. Online trading customers

* Register to use the service:

- Sign VCBS Online Trading Registration contract (Contract form)

- Sign up for the Online Cash Advance from “Register Service” section of the online account at VCBS Cyber Investor.

* How to use the service:

- Step 1: Access the Securities trading account at: https://trading.vcbs.com.vn.

- Step 2: Select Cash Advance (Online utilities section)

- Step 3: Select Order Executes day.

- Step 4: Enter a part or all of the earnings from selling stock to transfer.

- Step 5: Set up Command Password.

- Step 6: Select Confirm.

Mortgage

Customers can use their current owned securities as a mortgage to borrow fund by contacting any VCBS’ office:

- Provide valid ID card/passport and:

- Sign a Securities Mortgage Contract according to regulations of the mortgage lending bank

- Sign to confirm the consulting fee for fund arrangement agreement and pay for blocking Securities fee provided by VCBS’s current tariff.

Once the Mortgage agreement is accepted by the lending bank, VCBS will return to the customers 01 copy. The Bank will disburse the loans directly to customer’s Securities Trading account via VCBS.

Depends on the Securities Mortgage Contract, customers may or may not be allowed to sell his/her mortgage stocks. In case the Bank allows customers to sell mortgage stock, VCBS will provide tools for customers to sell via Cyber Investor or directly at VCBS Transaction center.

Customers can request VCBS to make a part or full prepayment of the loan specified in the Securities Mortgage Contract.

During loan period, the price volatility of the pledged assets will be monitored by the lending bank and VCBS will notify customers if the ratio between the outstanding loan/mortgage has reached the regulated limit, customers will then be consulted to add more pledged assets or pay a part of his/her loans or sell his/her stock to pay his/her debt.