Portfolio Automated Investment Plan Terms and Conditions

1. These Portfolio Automated Investment Plan Terms and Conditions (the "Terms") apply to the portfolio investment plan services provided by this platform.

2. You must open and maintain the relevant trading account(s) for the Automated Investment Plan:

For U.S. stocks / Hong Kong stocks investments: you must open a securities (stock) account.

For other investment products: you must open the corresponding type of account(s).

You must ensure that your account(s) are in normal status and are not subject to any trading restriction or freeze. You must also ensure that there are sufficient funds in your account(s) to cover the automated investment amount and any related fees.

1. You shall specify to us the amount to be automatically invested in a particular security (the "Automated Investment Amount") and the processing date. Relevant transaction fees will be deducted from the Automated Investment Amount. If the date you specify for an order under an Automated Investment Plan (the "Order") is not a trading day, we will process the Order on the next trading day. We will process the Order during regular trading hours; however, the specific processing time may not be fixed. Unlike placing a limit order, you will not be able to determine the price, quantity, or the exact time of submission of the Order.

2. Your Automated Investment Amount will only be locked for a period of time prior to our processing of the Order. You shall ensure that, at the time we process the Order, there are sufficient funds in the relevant currency in your account to pay the Automated Investment Amount.

3. You may instruct us, before the cut-off time for processing the next Order as published on the BiyaPay App, to modify, suspend, or terminate (collectively, a "Change") an Automated Investment Plan. The cut-off time may be adjusted from time to time. If a Change instruction is received after the cut-off time, it will not affect any Order that has already been accepted under the original plan prior to such cut-off time.

4. The range of securities eligible for purchase under the Automated Investment Plan may change from time to time, as determined by us at our absolute discretion.

5. To the maximum extent permitted by applicable laws and regulations, we may, without further notice, aggregate your Order(s) / Automated Investment Amount(s) with our own, those of our affiliates, or those of other clients. Such aggregation may be disadvantageous to you in some circumstances and advantageous in others. The execution price of your automated investment Order(s) will be the average price of the aggregated orders and therefore may not fully align with prevailing market quotes.

6. A client may set up multiple Automated Investment Plans, and may set up multiple Automated Investment Plans for each eligible security.

7. Without prejudice to any other provisions of these Terms, the following circumstances (which do not cover all possible circumstances) may result in our inability to process an Order under an Automated Investment Plan:

(a) your account is subject to trading restrictions;

(b) your account is currently subject to a margin call;

(c) the Automated Investment Amount is insufficient to cover the minimum trading unit of the relevant security and related transaction fees;

(d) insufficient available funds in your account;

(e) the relevant security has poor liquidity, is suspended from trading, has ceased to be publicly traded, or the relevant exchange is closed or its operations are suspended; or

(f) severe weather, emergencies, or other force majeure events.

We shall not be liable for any losses you suffer or any other consequences arising therefrom.

1. Notwithstanding anything to the contrary in these Terms, we reserve the right at any time, without giving any notice or reason, to:

(a) implement or amend the minimum or maximum limit for each Automated Investment Amount;

(b) refuse to process any Order under an Automated Investment Plan;

(c) temporarily or permanently modify or discontinue the Automated Investment Plan services; and/or

(d) temporarily or permanently suspend or terminate your Automated Investment Plan(s).

In the event of any dispute, we reserve the final right of interpretation of these Terms. We may also amend these Terms without prior notice, including (without limitation) suspending, terminating, or modifying any part of them.