After signing the margin trading contract and being granted a margin limit by FPTS, you may place orders to buy/sell margin securities in one of the following ways:

• Place orders directly at counters: You tick the margin trading column on the order form.
• Place orders via mobile devices (only applied for customers using Token Card and registering online). Please clearly state when placing orders to the staffs about buying/selling margin stocks.
• Place orders online.

The ways to place margin trading orders are exactly the same as the ways of placing ordinary buying/selling orders.

On EzTrade, you may place orders in the following methods:

- Method 1: In the placing orders screen, select Margin tab and enter the order information, especially BUY orders. Click Send.

You enter the OTP code sent by FPTS and click Send order

Notes:

• Money information box below including cash, principal, margin loan and remaining limit for customers
• For securities tickers that can not be borrowed, you will receive a notification when entering "Securities code" box
• For margin sell orders, the steps are similar to the Buy order, however, you need to select the contract you want to sell in the list of margin contracts

You enter the OTP code sent by FPTS and click Send order.

- Method 2: Place quick orders from many places such as the price board on MarketWatch, Top Buy/Sell levels and Charts.

On the stock trading screen, you right-clicks on the stock code you want to trade and select Buy/Sell → The buy/sell order screen will automatically fill in the information you selected:

• Place buy/sell orders
• Stock code
• The price filled in is the best buy price (for Sell orders) and the best sell price (for Buy orders)

Then, you select Margin tab and enter the order information and click Send

You enter the OTP code sent by FPTS and click Send order.

On EzMobileTrading app, Customers place orders like normal buy/sell orders, select Margin in the Transaction Type:

Mortgaging shares on margin is when customers use available/waiting securities as collateral to borrow money from FPTS. Similar to buying/selling securities on margin, you may pledge securities in the following ways:

• Place orders directly at counters: Please use the order form.
• Place orders via mobile devices (only applied for customers using Token Card and registering online). Please clearly state when placing orders to the staff about buying/selling margin stocks.
• Place orders online.

On EzTrade

Select Margin management tab and select Securities Mortgage. A window for this service will be opened.

Select stocks you want to mortgage by clicking on “Select” box. You enter the quantity of shares to be mortgaged and maximum receivable cash for such stocks (tantamount to the margin loan ratio provided by FPTS). Enter receive OTP and click Confirm.

On EzMobileTrading app

Notes:

• The list of securities in the mortgage screen is all securities in the customer's account that can be mortgaged.
• For stocks in transit to the account, customers must mortgage the entirety of the stocks and they can make a reduction in the margin loan only.
• Stock price is the nearest closing price.
• Quantity of shares must be in the board lot specified by the Stock Exchanges.

1. Register to buy stocks on Margin T+ package

With package of buying stocks on Margin T+, customers can register directly at FPTS's Head Office/Branch/Transaction Office or access to our website https://eztrade.fpts.com.vn as instructions below or via our EzMobileTrading application.

* On EzTrade, follow the steps below:

Step 1: Customers complete their Contract of securities margin trading directly at FPTS or send their documents to FPTS when registering online (Customers see detailed instructions here).

Step 2: On EzTrade, Customers click "Register", select Service Package and Method of processing expired loans according to their needs.

Then, Customers enter "Trading Password" and click "Confirm"

On this screen, you click on Receive OTP to receive the OTP authentication code to your registered phone number or email. You enter your received OTP code in the Enter OTP box, then click Confirm to complete the T+ service registration.

* On EzMobileTrading app, follow the steps below:

Notes:

• If you register before 15:00 on trading day: Margin T+ package takes effect immediately and your orders to buy margin during the day will be created contracts according to the information of margin T+ package.
• If you register after 15:00 on trading day: Margin T+ package takes effect on the next day and your orders to buy margin during the day can still create contracts according to the information of regular escrow service

2. Change package and method of processing overdue loans

On EzTrade, you choose Tab "Margin Management" and select "Look up parameters - Margin Contract"

You may change T+ Package and Method of processing overdue loans as well as review the History of changing at this screen.

On this screen, you click on Receive OTP to receive the OTP authentication code to your registered phone number or email. You enter your received OTP code in the Enter OTP box, then click Confirm to complete the T+ service registration.

On EzMobileTrading app, follow the steps below:

Notes:

• You can change Margin T+ Package many times a day. However, T+ Package as the basis to make the Contract for margin purchase orders during the day is the last T+ Package registered by Customers before 15:00 on the trading day.
• Similarly, you can change the method of processing loans many times. At the end of the T+n trading day (n corresponds to 3/5/7 depending on the T+ package that you use), if margin contract has not been settled, the system will:
• Auto-sell handles the entire remaining number of stocks as collateral for the loan if the loan package processes method of Auto-sell.
• Automatically extend the loan for a new term of three (03) months if the margin code is still in FPTS's margin lending stocks portfolio, the accumulated interest will be added to the principal amount if the loan package has a processing method of Auto-renewal. After the contract is renewed, the overdue interest rate will be applied. After renewal, the renewal contract is considered as a normal margin contract, the debt repayment, renewal and semi-automatic operations are similar to the normal contract. For the next renewals of this Contract, the Renewal Rate will be the Normal Margin Rate.

At the Search Parameters screen - Margin Contract, you may look up more information about the T+ Contract.

Notes:

• Expiration date: Depends on T+ package registered by customers at the time of making Contract (The day of Contract is n working days)
• Number of days without interest: 3/5/7 days corresponding to each package
• Minimum capital support fee: 30,000 VND
• Loan type: Corresponding T+ package

3. Cancel the service package of buying stocks on T+ margin

Customers cancel the service package of buying stocks on T+ margin at FPTS’s counter or online at EzTrade Online Trading or EzMobileTrading app.

On EzTrade, you click Registered to change Cancel and select Execute

On this screen, you click on Receive OTP to receive the OTP authentication code to your registered phone number or email. You enter your received OTP code in the Enter OTP box, then click Confirm to complete the T+ service registration.

On EzMobileTrading app, follow the steps below:

After canceling of the buying stocks on margin T+ Package takes effect, customers will use the deposit service by each loan at the standard interest rate, renewal operations and margin loan payment.

4. Buy Margin T+

- Place a T+ margin purchase is similar to a normal margin purchase

- Unlike a normal margin purchase, T+ margin purchase will create T+ margin contract as follows:

• Contract maturity date: calculated based on your T+ package

(For example: when creating a T+ Margin contract, your account has a valid T+7 package, the contract maturity date will be calculated based on 7 normal days).

If the maturity date (calculated based on n normal days) is a holiday, the contract maturity date will be automatically transferred to the next working day.

• Interest rate: The interest rate in the term of your T+ margin service package on the transaction date (with a more preferential interest rate compared to FPTS's standard interest rate, currently the interest rate is 0% => free interest).

When the margin contract is successfully created (buying margin securities or mortgaging securities), you may make payments for that contract to reduce the outstanding balance of the contract.

There are two methods of margin loan repayment:

• Paying margin loan by selling collateral securities: After the market closes, the FPTS system will automatically calculate the principal and interest value on securities sold. This value will be blocked for FPTS to collect the loan on the payment date of the selling order. The remaining value will be credited to the customer's account on the payment date (usually T+2, two days after the trade date). Customers can get an advance of this remainder if they want.
• Paying margin loan by cash

On EzTrade, follow the steps below:

Step 1: Select Margin management tab and select Margin Loan Repayment

Step 2: Choose the repayment plan for the contract, using filter criteria.

Step 3: After selecting filter criteria, click Update to show the contracts that match given criteria

If you want to repay any contract, tick that contract, then enter the amount of the principal you want to repay into the “Principal Amount” field.

After selecting the contracts for repayment, you can recheck the total repayment value of selected contracts in the Total value field.

Note: The FPTS system supports calculating the principal payable in some special cases: Choose the repayment plan in the Support field to calculate the payable value.

Step 4: Click Enter OTP, enter the OTP code and click Confirm.

On EzMobileTrading app, follow the steps below:

Notes:

- You are supposed to check the status of the orders carefully after you send it into FPTS system. If the order is successfully delivered, you will see “Delivered” in green background in the “Notice” If failed, you will receive a similar “Undelivered’ message in the red background.

- In the trading session, when the margin contract has a pending sell order, the contract cannot be closed and must wait until the end of the trading session. If you want to close the contract immediately, he/she must cancel the sell order first (if the order has not been matched)

- In the case that the order has been matched (all or partly), you may make a payment so that the outstanding balance is 1 VND, the remaining balance will be automatically paid by the FPTS system after the trading session

- In case of paying to close the margin contract that are purchased shares that have not been paid into the account at the end of T+2, you may only remortgage that number of shares after T+2 (after stocks arrive in your account)

- Time for margin loan repayment and margin contract renewal:

• 00:00 - 16:30 on working days.
• 19:00 - 24:00 on working days.
• Both weekends and holidays (in which, payments after 19:00 or on holidays will be accounted for on the next trading day).

- In principle, margin loan contracts are a 3-month maturity term. Borrowers need to repay the loan before the maturity date of each contract.

- Margin loan contracts may be agreed for another 3-month extension by FPTS, depending on FPTS's applicable margin trading policies.

- From 20 days prior to the maturity date, you can apply for contract renewal to FPTS. Margin loan contracts may be agreed for another extension

- Contract extension is that customers pay all interest of their contracts from the date of interest calculation to the date of contract extension, the contract maturity date is extended by three months from the date of extension.

• On EzTrade, follow the steps below:

Step 1: Select Margin Management tab, then select Margin Renewal

Step 2: After you select contracts for renewal, the system will require accumulated interest payment up to the date of applying for extension. Upon FPTS’s approval of the contract renewal, terms and conditions of the contract will be revised according to FPTS’s applicable policy.

Step 3: Click Enter OTP, enter the OTP and click Confirm.

If the order is successfully delivered, you will see “Delivered” in green background in the Notice column. If failed, you will receive a similar “Undelivered’ message in the red background.

• On EzMobileTrading app, follow the steps below:

In case you almost use up the margin limit and need more, you can make an online request for the limit change:

• On EzTrade, on main screen, select Margin Managementtab, then Request for Credit Limit Change

Enter the desired limit in the new limit field. After entering the new limit, you click Receive OTP, enter the OTP code and click Confirm to send the request to FPTS. You can keep track of the status of new limit requests and actual limits approved by FPTS right on this screen:

• On EzMobileTrading app, follow the steps below:

Notes: Your request to change the limit on EzTrade/EzMobileTrading between 19:00 on the previous day and 08:00 on the next day (out of business hours) with a value > 3 billion VND will not be approved immediately.

On Look up parameters - Margin contract screen helps you fully look up your margin account information

• On EzTrade, on main screen, select Margin Management tab, thenLook up Parameters - Contracts

After selecting parameters (time, pending contracts, all contracts, etc), please click “Update” button to view descriptions.

* On EzMobileTrading application, follow the steps below:

Formula for calculating the borrowing rate of the margin contract:

Current borrowing rate = Outstanding debt/Current contract value * 100(%)

- The status of margin contract will be based on the current borrowing rate of the contact:

• If the borrowing rate of the contract < warning level: The contract will have a Safe status
• If the processing level (Initial borrowing rate + 15%) > Borrowing rate of the contract >= warning level (Initial borrowing rate + 10%): The contract will have a Warning status
• If the borrowing rate of the contract >= Processing level: The contract will have a Processing status

- When the contract is the Processing status, the system will automatically send an Email and SMS notification to customers.