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Can I choose not to upgrade my accounts

No, your accounts must be upgraded. Since new capacity in the future will be realized only in universal accounts, all old accounts will be gradually upgraded in 2022. If you do not register for a proactive upgrade, we will automatically upgrade your accounts to a universal account from September to December. After an account upgrade, the trading capacity, trading features, and assets from your old accounts will not be affected in any way, and you can view your fund flows regarding the upgrade on the Statement or Fund Details page.