P-9.9% Pioneer and P-Margin Prime

P-9.9% Pioneer

Question 1. What are the eligibility requirements to register for P-9.% Pioneer?

The following two customer groups are eligible to register for P-9.9% Pioneer:

(1) New customers who open a new margin sub-account at Pinetree from the start date of the P-9.9% Pioneer program.

(2) Existing customers who already have a margin sub-account at Pinetree and meet all of the following conditions:

• Margin outstanding balance = 0 during the last 90 days, and
• Total trading value < 100 million VND in the last 90 days, and
• Average NAV over the last 90 days < 100 million VND.

Question 2. What are the conditions to enjoy the 9.9% interest rate?

To be eligible for the 9.9% interest rate, customers must maintain a Net Asset Value (NAV) of at least 3 billion VND in their account. NAV is assessed daily. If the NAV falls below 3 billion VND, the standard margin interest rate will be applied to the customer’s outstanding balance.

Question 3. If my intraday outstanding balance exceeds 10 billion VND, what interest rate will apply?

The portion of the outstanding balance exceeding 10 billion VND will be subject to Pinetree’s standard margin interest rate.

Question 4. After the 60 days ends, will I still be eligible for the incentive?

After the 60-day incentive period ends, customers may register for P-Margin Prime, a program designed for customers with high NAV and large outstanding balances.

Question 5. If I cancel P-9.9% Pioneer, can I register again?

Each customer may use P-9.9% Pioneer only once if they have already incurred any outstanding balance that received the preferential interest rate. If no preferential outstanding balance has been incurred, the customer may cancel and re-register. However, P-9.9% Pioneer may be discontinued at any time, depending on market conditions, and Pinetree will notify customers accordingly. Please register and take advantage of the offer as soon as possible.

P-Margin Prime

Question 1. What are the eligibility requirements to register for P-Margin Prime?

All customers who have opened a margin sub-account at Pinetree are eligible to register for P-Margin Prime.

Question 2. What are the conditions to receive the preferential interest rate?

After registration, the system will evaluate the Total Trading Value to apply the preferential interest rate for the following two customer groups:

Outstanding Balance (VND)	Group 1 Interest Rate (%/pa)	Group 2 Margin Rate (%/pa)
0 – 5 bil	11.5%	11.3%
5 – 10 bil	11.3%	11%
>10 bil	11%	10.7%

Group 1: Applicable to all customers who have registered for P-Margin Prime. The preferential interest rate is applied from the successful registration date.

Group 2: Applicable to customers who have registered for P-Margin Prime and meet the conditions that the total trading value in the evaluation month ≥ 30 billion VND. The preferential interest rate for Group 2 is applied from the successful registration date if the customer’s account satisfies either of the above conditions in the previous month.

The system will evaluate these conditions monthly, from the first day to the last day of each month.

Example: A customer registers for P-Margin Prime on December 15, 2025. If the customer’s trading account meets condition in November, the Group 2 interest rate will apply starting from December 15, 2025. The system will then re-evaluate condition for the customer’s account in December. If the conditions are met, the Group 2 interest rate will continue to apply to any outstanding balance incurred in January 2026. If the conditions are not met, the Group 1 interest rate will apply to any outstanding balance incurred in January 2026.

Question 3. Is there a time limit for the preferential interest rate?

There is no time limit for the preferential interest rate under P-Margin Prime.
Customers with high NAV and large outstanding balances may enjoy the incentive without any duration limit.

However, Pinetree may announce the discontinuation of P-Margin Prime depending on market conditions.

Question 4. If I cancel P-Margin Prime, can I register again?

Customers who cancel P-Margin Prime may register again.