Utility - Money transactions

Utility management allows customers to track services and utilities throughout the transaction and app usage process, including key utility groups: Money transaction, Financial services, Securities services, and Transaction log. Scrolling down to the bottom, there is also an "Other utilities" section and an "App rating" section.

To access the utilities, customers use the navigation bar at the bottom of the app and click on the "4 squares" icon to expand all utilities

I/ MONEY TRANSACTIONS:

1/ Payment instruction:

Guiding customers on how to deposit funds into their securities accounts at PHS, including deposits into the Underlying Account and the Derivatives Account

1.1 Underlying

Customers have the option to select either a fast transfer or a regular transfer.

Method 1: Fast transfer

(By using the account identification number)

The screen interface presents the customer's payment account details:

Bank name: BIDV (Vietnam Investment and Development Bank) is displayed by default
Beneficiary: Customer name

Normal sub-account: This is the designated account number for fast transfers. Customers should paste this number into the "recipient account" section of their banking app

Method 2: Regular transfer

Step 1: The customer selects a bank from the provided list..

Beneficiary: Cong ty CP Chung Khoan Phu Hung is displayed by default.

Step 2: Copy the account number displayed based on the selected bank.
Step 3: Copy the transfers details. A default template will be provided based on the account number and customer name

Example: Nop tien vao TKCK so 022C0404119 tieu khoan thuong cua TRAN LE NGOC TUAT

*Note: To avoid errors, please copy the transfer details exactly as shown, do not make any changes.

1.2 Derivatives

Customers need to enter correct payment information according to the instructions:

Bank: default display Vietnam Joint Stock Commercial Bank for Industry and Trade (VTB)
Beneficiary: default display Chung Khoan Phu Hung Joint Stock Company
Account number: default display 122000069726 (can be copied)
Content: Display default template by account number & customer name (can be copied)

CEO: Nop tien vao TKCK PS so

022C0404119 TRANSFER NGOC TUAT

Note: To avoid errors during the transfer process, customers need to copy the prototype without changing the content.

2/ Register beneficiary bank account

For customers who already have a beneficiary bank account, the screen will display the default list of accounts that the customer has registered (as shown below).

Customer Delete or Edit beneficiary bank account

Customers need to Change beneficiary bank information please follow these instructions:

Step 1: Customer clicks on the added Bank Information box	Step 2: At this interface, customers click “edit” icon in the upper right corner of the screen	Step 3: At this interface, customers have the option to change beneficiary bank account information: Bank name, Bank account number, Province/city, Branch	Step 4: Click on the confirmation box I hereby declare that the information declared above is true then press Send request button

Customers need delete beneficiary account please follow these instructions:

Step 1: Customers click on the added Bank Information box	Step 2: Customer presses the Delete beneficiary account button at the bottom of the screen	Step 3: Press the Cancel registration button to Cancel beneficiary bank registration or press Back button

For customers who have not added a beneficiary bank account during the account opening process, a screen with no transaction data is displayed. (as shown below)

Customer performs "Add beneficiary account" according to the following steps: Press the Add beneficiary bank account button, the screen displays 2 options to register the beneficiary bank account: Owner and Different owner

2.1 Owner:

Customer follow these instructions:

Customers can choose 1 of 2 account types: Payment bank account or Bank account linked to securities trading to register with the beneficiary bank

2.1.1 Select Payment bank account

Step 1: Select Payment bank account

*Note: Each customer can only register a maximum of 2 payment bank accounts

Step 2: Fill in requested information:

Bank name

Bank account number

Province/City

Branch

Step 3: Click on the confirmation box I hereby declare that the information declared above is true then press Submit request button

Step 4: Go to this step:

(1) If the customer's device is a trusted device and has registered for Smart OTP → the customer enters the OTP PIN code

(2) If the customer's device is trusted and has not registered Smart OTP → Enter SMS

(3) If the customer's device is an untrusted device → Enter the Smart OTP code

→ Beneficiary bank account has been successfully added

2.1.2 Select Bank account linked to securities transaction

Step 1: Select Bank account linked to securities transaction

Note: Each customer can only register 1 account

Step 2: Select Normal sub account or Margin sub account

Step 3:

Check or uncheck the box Automatically transfer money to TKNHLK at the end of the day after deducting debt obligations

Fill in the information: Bank account number, Province/City, Branch

Step 4: Click on the confirmation box I hereby declare that the information declared above is true then press Submit request

Step 5: Go to this step:

(1) If the customer's device is a trusted device and has registered for Smart OTP → the customer enters the OTP PIN code

(2) If the customer's device is trusted and has not registered Smart OTP → Enter SMS

(3) If the customer's device is an untrusted device → Enter the Smart OTP code

→ Beneficiary bank account has been added & is in pending approval status.

2.2 Different owner:

Customers follow the instructions below

Step 1: Enter the information

Select Different owner with notarization or Different owner without notarization
Authorized Person (AP) information: Authorized Person’s Name, ID Card, Date of issue, Place of issue, Contact address, Email, Mobile

AP’s Bank Account: Bank name, Bank account number, Account holder name, Province/city, Branch
Authorization Time

Step 2: Section Notarized Authorization Document, Authorized Person’s Signature, Take Photo of ID Card client comply with different requirements between 2 objects:

- With accounts of different owners notarized You need a Power of Attorney (download PDF file), Authorized person's signature (download photo), CCCD photo (front and back)

- With a different owner's account not notarized You need a signature (upload photo), video recording of CCCD of the authorized person and CCCD footage (front, back)

Step 3: Client Select the Confirmation box that the declared information is true and press the button Submit request

Step 4: Go to this step:

(1) If the customer's device is a trusted device and has registered for Smart OTP → the customer enters the OTP PIN code

(2) If the customer's device is trusted and has not registered Smart OTP → Enter SMS

(3) If the customer's device is an untrusted device → Enter the Smart OTP code

Step 5: Customer's request is displayed in section History of requests to creating non-owners accounts. Customers check the request status at this step.

Customers bring the authorization document with confirmation from the competent authority to the branch/transaction office or broken management within 10 working days. If this deadline is exceeded, the customer's request will be rejected

3/ To bank

Customers who need to transfer money to banks please follow these instructions:

Step 1: Fill in information

Select From sub account
Select Receive account
Enter Transfer amount
Press the Next button

Customers should carefully read the contents of each transaction step such as available balance, maximum transaction amount, remaining limits, fees, etc. to ensure smooth money transfer.

Step 2: Confirm transaction

The screen displays again: Transaction type, Sub-account, Receiving account, bank, transfer amount, transfer content & fees

Press the Next button

Step 3: Go to this step:

(1) If the customer's device is a trusted device and has registered for Smart OTP → Customer import PIN OTP code

(2) If the customer's device is trusted and has not registered Smart OTP → Enter SMS

(3) If the customer's device is an untrusted device → Enter Smart OTP code

Step 4: Display screen Results

Press the View history button to review transaction history

Or right on the money transfer screen, customers can click on the "reverse clock" icon to look up previous money transfer transactions.

Press the button Continue trading to continue trading

4/ Internal

Customers who need to transfer money internally between normal, derivative, margin, Futures (PHS) and Futures (VSD) sub-accounts please follow the following instructions:

Step 1: Select information

Select From sub account
Select Sub-account Receiver
Enter Transfer amount, the app will display the actual amount received

Press the Next button

Cases:

The screen displays the same information when the customer selects From sub account and Sub-account Receiver as follows:

From Normal sub account to Margin sub account
From Normal sub account to Futures (PHS) sub account
From Margin sub account to Normal sub account
From Futures (PHS) sub account to Normal sub account

From Futures (PHS) sub account to Margin sub account

*Case:

If customer chooses From sub account: Futures (VSD) and Sub-account Receiver: Futures (PHS), The screen displays a notification that customers can follow 2 steps:

(1) Transfer money from the KQPS sub-account to the PS sub-account

(2) Then transfer money from PS sub-account to regular/margin sub-account

- After entering the transfer amount, the screen will display the actual amount received after deducting transaction fees (if any).

- Customers who want to continue transferring money to the regular/deposit account after successfully transferring money, please select 1 of 3 boxes: No/Normal sub-account/Margin sub-account

→ Press the Next button

*Case: Customer chooses transfer sub-account and receiving sub-clause as follows:

From Margin sub account to Futures (PHS) sub account
From Futures (PHS) sub account to Margin sub account
From Futures (PHS) sub account to Futures (VSD) sub account

The screen will have information about:

Amount retained in normal account (if any)
Total retained amount (including fees)

*Case: If customers choose transfer sub-account: Normal/Margin and receiving Futures (VSD) sub-account . The screen will display information about:

Amount retained in normal account (if any)
Amount retained in derivative account (if any)
Transfer fee
Total retained amount (including fees)

Step 2: Confirm transaction

The screen displays again: Transaction type, From sub-account, To sub-account, Transferred amount, Actual receive amount

Press the Next button

Step 3: Notification screen Result, complete the money transfer

Press the button View history to review transaction history

or right on the money transfer screen, customers can click on the "reverse clock" icon to look up previous money transfer transactions.

Press the button Continue trading to continue trading

5/ Unblock money at BIDV

Customer has a BIDV linked bank account and needs a solution lockdown money at BIDV, please follow the following instructions:

Step 1:

- The screen displays information:

Bank account number
Bank name
Bank code
Total balance at bank
Available balance at bank
PHS’s holding money
Maximum unholding money

Customer enters the amount in the box Holding money, Note that the amount entered must be smaller Maximum unholding money

→ Press the Send request button

Step 2: A pop-up message appears and requests successfully→ Press the Close button to complete.

You can check check again whether or not the blockade was successfully resolved can be seen in section Assets → Unavailable funds → Bank account balance

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