TERMS AND CONDITIONS OF

1. Conditions for using YSsaving:

To register for YSsaving (hereinafter referred to as the "Product"), the Client must simultaneously meet the following conditions: 

• Be an individual or an organization with a trading account at YSVN. 
• The Client registers for YSsaving and successfully confirmed by YSVN. 

2. Product Description:

YSsaving ("the Product") is aimed at Clients who prefer safe and stable investment methods, with idle funds but limited investment experience, and those who don't have much time to monitor the market.

The Product helps Clients increase the value of their accumulated assets in the long term through investment in stocks with growth potential, carefully selected by YSVN based on in-depth market research and investor evaluation.

The Product allows Clients to create and track long-term stock investment plans through a dedicated sub-account on the YSflex trading software.

It provides a recommended portfolio for Clients, and Clients can independently decide to invest in stocks based on that portfolio through self-ordering or entrusting YSVN to place orders, combined with an automatic reminder feature on a monthly schedule. 
    
3. YSsaving Sub-account:

a. When the Client registers to use the Product (including new registration or re-registration) and successfully confirmed by YSVN, the Client shall be considered as requesting to open an additional YSsaving sub-account. At this point, the Client will either be granted a new YSsaving sub-account (for new registrations or re-registrations where the sub-account was previously closed) or continue to use this sub-account (for re-registration where the sub-account has not been closed) for managing and using the Product in accordance with the laws. Clients wishing to use the Product must only conduct transactions through the YSsaving sub-account. 

b. YSsaving sub-account is managed according to the Trading Agreement signed between the Client and YSVN, unless otherwise specified by YSVN. 

c. YSsaving sub-account (1) applies only to the purchase and sale of securities within the YSsaving Portfolio, and (2) securities outside of the portfolio cannot be transferred into the YSsaving sub-account while the Client is using the Product. 

d. Note: For clients using a Linked Bank Account (Linked Account), to perform advance payment of sale proceeds, please transfer the securities to sub-account 01 before placing a sell order.

4. Product Cancellation, YSsaving Sub-account Closure:

a. Clients have the right to cancel the Product at any time. After receiving the Client’s cancellation request, YSVN will send a confirmation notice of successful cancellation to the Client. The cancellation will take effect on the next business day (T+1). 

b. After successfully canceling the Product, the Client can still makes transactions on YSsaving Sub-account the same as on the Client's securities trading account without being subject to the conditions or restrictions of the YSsaving Product. 

c. In the event the Client wishes to close YSsaving sub-account, the Client must send a request to YSVN in the manner prescribed by YSVN, provided that the Client has cleared all debts on the YSsaving sub-account (if any) up to the point when YSVN receives the request. YSVN will transfer any assets (if any) from the sub-account to the Client's securities trading account before closing the sub-account. 

5. Suspension or Termination of provision of the Product by YSVN: 

YSVN has the right to suspend or terminate the provision of the Product at any time by notifying Clients via the website and/or email.

In the event that YSVN terminates the provision of the Product, YSVN will close YSsaving sub-account after the Client has cleared all debts in this sub-account in accordance with the relevant procedures and internal regulations of YSVN. 

6. General Terms:

a. By accessing and/or using the YSsaving Product, the Client agrees that they have read, understood, accepted, and agreed that the Product is intended solely to provide information for the Client's reference and is not related to personal investment goals, financial status, or investment means. This Product is not intended to introduce, offer for sale, or purchase any financial products, securities, or financial instruments, nor is it intended for participating in any specific transactions. 

 b. The Client agrees to take full responsibility for their investment decisions. YSVN is not responsible for any direct or indirect loss, damages, or legal liability that the Client may incur due to or related to the registration and use of this Product. 

c. YSVN reserves the right to remove, suspend, or terminate the provision of the YSsaving Product to the Client at any time without Client consent, but will notify the Client prior to such implementation. 

d. YSVN has the unilateral right to determine the Client's eligibility for using the YSsaving Product. YSVN's decisions on all matters related to the Product are final and binding on the Client using the Product. 

e. The Client confirms that they have researched, been guided, and fully explained by YSVN regarding the content of the Product, the risks, and potential damages that may arise from using the Product and voluntarily registers to use the Product. The Client also confirms that they have read, understood, agreed to accept the risks and damages that may arise and commit to adhering to these Terms and Conditions, the interest rates, and fees issued by YSVN. 

f. In the event of a force majeure (including but not limited to the following cases: stocks in the Portfolio (i) being put on the list of non-marginable securities and/or (ii) being put on the list of Warning/Control/Special Control/Suspension/Delisting issued by HNX and/or HOSE, and other force majeure issues), YSVN has the right to decide to change the Portfolio and will notify the Client before implementation. 

g. The Client agrees that notifications, information, documents, etc., from YSVN during the Client’s registration and use of the Product will be sent via email and/or other methods that the Client has validly registered with YSVN. 

h. Other terms not specified in this Terms and Conditions will be governed by the Contract for Securities Trading and its Appendices, the Trust Agreement for Custody of Securities Trading Accounts and its Appendices, or other agreements (if any) signed by YSVN and the Client. 

i. In the event of any conflict in the interpretation of this Terms and Conditions with the Contract for Securities Trading and/or the Trust Agreement for Custody of Securities Trading Accounts, the terms and conditions of the Contract for Securities Trading and/or the Trust Agreement for Managing Securities Trading Accounts will prevail. 

j. This Terms and Conditions is effective from the date of 14/03/2025 until any amendments or replacements are made by YSVN. YSVN may modify, supplement, replace, or cancel any content related to this Terms and Conditions, as long as the content is updated on YSVN’s website and/or notified to the Client via the email registered with YSVN.

If the Client continues to access and/or use the Product after the Terms and Conditions have been updated, it will constitute the Client’s acceptance of the modified or supplemented Terms and Conditions. If the Client disagrees with any amended or supplemented Terms and Conditions over time, the Client must cease accessing and/or using the Product. 

k. In case of any inquiries or complaints, the Client may contact YSVN through the following methods for resolution: 

Trường hợp có thắc mắc, khiếu nại, Khách Hàng liên hệ YSVN theo một trong các phương thức sau để được giải đáp:  

• Account Manager, or 
• Client Service Center: +84 28 3622 6868 (Press 1); Hotline: +84 28 7303 8989.