The customers provide the area that they want to buy product and the Customer Service staff advice them some convenient dealers. In case the customer wants to meet the direct sales at dealer to ask some information about the product's price, the time to make application,..., he/she can provide the ID, name and the phone number; CS staff will inform to sales staff to call him/her back.

ACS support the customer to buy product such as: IT, Mobile phone, Motorbike, Superbike, Agriculture Machine, Medical Instruments, Massage Chair, Bicycle, Electric Bicycle, Furniture,...

ACS support the Vietnamese customer who is from 21 - 60 of age and the student who is over 18 years old to make installment application.

ACS have supporting areas list that the customer can make installment application.

The basic documents included:

- ID/ Passport/ Industry Card. - Family book/ Temporary book in which the supporting areas. - FA ≥ 10 million VND: + Utilities bill (Electric/ Water/ internet/ cable/ landline phone,...) in one of 3 latest months. + Income proof.

Government servants Professors/ Teachers/ Lectures/ Students:

* Decision of appointment for Government servants. * Student Card and the latest receipt of tuition for Students. * Lecturing/ Teaching Contract (1 year period) * Valid Health insurance. - Individual customer can provide any of the following documents * Valid labor contract. * Bank statement of 3 latest months * Valid Health Insurance. ~ Representative of an enterprise or Business owner must provide both documents: * Tax receipt of the one of the three latest month and Business license.

Government servants Professors/ Teachers/ Lectures/ Students:

* Decision of appointment for Government servants. * Student Card and the latest receipt of tuition for Students. * Lecturing/ Teaching Contract (1 year period) * Valid Health insurance. - Individual customer can provide any of the following documents * Valid labor contract. * Bank statement of 3 latest months * Valid Health Insurance. ~ Representative of an enterprise or Business owner must provide both documents: * Tax receipt of the one of the three latest month and Business license.

The customer can purchase many products at the same time with the same deferred rate (otherwise specified in the promotion). After the CAD staff received the application, they judge it then inform the result to the customer.

The customers can re-apply another application anytime after it is rejected. The CAD assess it then inform the result later.

The customer can make application with 1.39% deferred rate, the procedure is more simple and the judgment time will be faster. For example: the customer wants to purchase the product with the down payment is lower 10 million VND, the neccessary document is the original ID and the judgment time is 15 minutes. In case the downpayment is higher 10 million VND, the procedure is more simple than the normal customer and the judgment time is about 1 hour.

The customer can be an ACS member if his/her old application is payfull with good history payment. CS ask the customer's ID and name, then send to CAD to check and inform to the customer later.

Customers can make payment at the bank or pay directly at the branch.

ACS have home collection service and there will be collection fee depended on the area.

*Other area please contact hotline 028 5445 3800 or Ha Noi brach 024 3974 3430 for more detail.

- If the customer had payment at Payoo (TGDD,PAYOO,Circle K, Sen Q ...): CMD Admin will update the payment to GHP system after 1 day and update to CSSB after 2 days.

- If the customer had payment by bank transfer: Admin will update to GHP after 1 day for the same banking system and after 2 days for the different banking system. In case the customer had payment on Friday, the money will transfer to the ACS account on the next Monday.

ACS will be updated all customer's payment transactions to the system and not notified to the customer. Except for cases when customers provide billing information and require ACS to call back to report, ACS check and inform the information to the customer.

The customer provides some information to receive the extra money such as: - Customer's name. - Customer's ID. - The agreement number. - The amount of extra money, the bank account, the transaction date. After collect all the information, CS check and reply to the customer.

ACS will ask the customer's bank account and inform the time to return the extra money to them. The time to make refund is on 10th, 20th, 30th of monthly.