PineB Fix Policy

1. Minimum Holding Period

Investors may request to settle their investment before maturity after a minimum holding period of 14 days. This applies to all investment terms.

2. Early Transfer Policy

Investment Term	Penalty Yield for Early Settlement
14 days
30 days	0.50%
60 days	1.00%
90 days	1.50%
180 days	2.00%
270 days	2.50%
365 days	2.50%

Example: A customer invests 10 million VND in PineB Fix bonds with a 90-day term and a 5.5 % yield. After holding the bonds for 75 days, the customer decides to sell them back to Pinetree. In this case, the customer’s actual return will be calculated as follows:

Actual Yield = Invesment Value × (Yield of the nearest shorter term – Early redemption penalty yield for 90 days) × Actual holding days ÷ 365)

In this case, the nearest shorter term to 75-day ding period is 60 days, with an assumed yield of 5.3 %.

The penalty yield for the 90-day term is 1.5%

→ Actual Yield = 100,000,000 VND × (5.3% – 1.5%) × 75 ÷ 365

Note: Approval of early transfer requests is subject to Pinetree’s policy at the time. Pinetree reserves the right to accept or decline such requests.

3. Policy on Bonus Yield for Larger Investments

Total invesment value on PineB	Preferential Yield by NAV(*)
From 2 billion VND to 5 billion VND	+ 0.1%
More than 5 billion VND	+ 0.2%

(*) NAV refers to the customer’s total value of PineB bonds (including Fix, Flex, and Growth). The preferential yield is an incremental rate added to the nominal rate of PineB Fix.

PineB Flex Policy

PineB Flex is a flexible bond portfolio designed for those who need active cash flow, easily adjustable according to actual needs.

Pinetree may provide liquidity support for the bonds in this portfolio, depending on market conditions at each point in time.

PineB Growth Policy

PineB Growth is a bond portfolio designed for long-term investors, with an emphasis on holding until maturity to achieve optimal returns. It is suitable for those who wish to maximize investment efficiency and do not intend to sell during the holding period.

In case of an early transfer, investors may actively seek a partner and complete the transfer procedures directly at the Pinetree’s counter.

The yields shown in the PineB Bond table represent the net returns received by customers after the deduction of all applicable taxes and fees.