These Terms will govern the Electronic Services which we agree to provide to you, and shall apply to:

These Terms are in addition to and shall be read together with:

Unless otherwise expressly stated, in the event of any conflict or inconsistency in relation to the Electronic Services between these Terms and any of the other terms set out in clause above, these Terms shall prevail to the extent of such conflict or inconsistency and as necessary to give effect to these Terms.

By applying for or using any Electronic Service, you agree to abide and be bound by these Terms, and shall further be deemed to have read, understood and accepted each of these Terms.

Where you use any Electronic Services jointly with any other person, these Terms and all obligations and liabilities hereunder shall be binding on you and such other persons jointly and severally.

Your registration and use of our Electronic Services shall be subject to such requirements which we may, in our discretion, prescribe including in relation to:

We reserve the right to vary from time to time the pre-requisites for the registration or use of Electronic Services.

Notwithstanding anything to the contrary, we reserve the right to reject any application to register or use an Electronic Service without giving any reason and shall not be liable to you or any other person as a result of such rejection.

To use any Electronic Service, you must give us:

In the absence of any specific instructions, we shall be entitled to operate on the basis that:

We may, in our discretion, prescribe the procedure and manner in which instructions may be given or transactions may be effected through the Electronic Services, including through the use of usernames, Passwords, Channels and/or Security Devices.

All instructions given by you or any Authorised Person are irrevocable and binding on you. We are authorised to act on any instructions given in accordance with the operating mandate for the Electronic Service without further consent or notice to you.

Once received and processed by us, instructions shall not be cancelled, withdrawn or amended unless we, in our discretion, agree otherwise. In the event that we have received instructions for a recurring or future date payment through the Electronic Services, you may request for such instructions to be amended or cancelled, subject to us being entitled to a reasonable period of time of not less than seven (7) Business Days (or such other period as determined by us from time to time) from receipt to process such notification of amendment or cancellation.

Any instructions given and/or transactions effected or made by you after the specified or relevant cut-off times (as notified to you from time to time) may be treated as being received and/or intended for processing on the following Business Day.

Depending on the type of Account that you may hold, we may in our discretion from time to time permit you to make loan payments, direct deposits and/or withdrawals through the following third-party electronic fund transfer or payment services:

We may, in our discretion, prescribe requirements and/or any other criteria on the registration and using of the third-party electronic fund transfer services from time to time, including the type of Accounts which are eligible, transaction limits and the use of specified Channels.

You acknowledge that the abovementioned third-party electronic fund transfer services are owned and operated by third parties and that the access to and use of such third-party electronic fund transfer services may be subject to the provision and/or availability of such services and facilities by those third-party owners. You shall also be responsible for complying with any and all terms and conditions of the third-party owners (as maybe amended or prescribed from time to time).

We shall be entitled, at our sole discretion, to reject any loan payment and/or direct deposit made using any third-party electronic fund transfer service if:

You agree to pay for any fees, service charges and expenses relating to your use of any third-party electronic fund transfer services as we may specify and notify to you from time to time.

We shall not be responsible for the accessibility and operation of any of the aforementioned third-party services including any loss of, or any inability to retrieve, any data or information however caused as a result of any interruption, suspension or termination of service.

We may, in our discretion, accept the use of MyInfo for the submission of information updates to us.

Information submitted to us through MyInfo shall, notwithstanding that it is submitted through MyInfo, be deemed to discharge your obligations to notify us of such changes to your personal information to the extent that the relevant information is contained on MyInfo and submitted to us through that system.

It is your responsibility to ensure that the information contained on your MyInfo profile is current and up-to-date. You agree to indemnify us fully and hold us harmless from and against all moneys, liabilities, losses, costs, damages, proceedings, claims and expenses of whatsoever nature which we may incur or suffer (including legal costs on a full indemnity basis) as a result of the use of information submitted through MyInfo including where it is inaccurate and/or outdated.

We shall not be responsible for the accessibility and operation of the MyInfo system including any loss of, or any inability to retrieve, any data or information however caused as a result of any interruption, suspension or termination of service.

We may, in our discretion, accept the use of GIRO for recurring payment arrangements for loan payments or payment of bills to Billing Organisations (subject to the approval of the relevant Billing Organisation).

By registering for a GIRO recurring payment arrangement, you agree (and the holder of the relevant bank account, if applicable, agrees) to us debiting the relevant bank account for the loan or bill payments being made. This GIRO recurring payment arrangement will continue to be in effect until you notify us in writing to terminate it, or we receive a notification from the relevant bank that it has been terminated. We reserve the right to terminate the recurring payment arrangement at any time in our discretion without providing any reason.

You shall receive a notification to confirm that any new GIRO recurring payment arrangement has been approved. Upon the receipt of such notification, such new arrangement will take effect from your next scheduled loan or bill payment. You shall make payment of any scheduled loan or bill payment which falls due prior to the GIRO recurring payment arrangement being approved.

You shall be fully responsible for ensuring that there are sufficient funds in your bank account for any GIRO deduction. If any GIRO deduction is not successful for any reason whatsoever, you shall be responsible for any late fees and/or late payment interest which may be imposed under the terms of the relevant loan. Where a GIRO deduction is not successful, we may in our discretion terminate the GIRO recurring payment arrangement without any notice to you. We are not liable for any loss or damage arising from any action, inaction or delay in relation to the GIRO arrangement.

We may, in our discretion, prescribe requirements and/or any other criteria on the registration and use of the E-Statement facility from time to time, including the type of Accounts which are eligible for the use of such E-Statement facilities.

All terms and conditions in relation to paper statements of account, including those set out in our Terms and Conditions Governing Accounts and Services, shall apply with appropriate modifications to E-Statements.

We may, in our discretion, impose such fees for the use of E-Statement facilities from time to time.

We reserve the right to modify, restrict, cancel, suspend or discontinue the provision of E-Statement facilities without giving any reason.

The availability of E-Statements shall be deemed the date of delivery and date of receipt of the periodic statements of account. You agree to accept and view your E-Statements in a timely manner.

You shall be responsible for ensuring that your contact information including, any email addresses to which you have instructed us to send E-Statements, is accurate, current and up-to-date. We shall not be liable for any accidental disclosure of your E-Statement or any other relevant information where you fail to provide us with an accurate, current and up-to-date email address.

We may, in our discretion, prescribe requirements and/or any other criteria on the registration and use of the SMS Banking facility from time to time, including the type of Accounts which are eligible for the use of such SMS Banking facilities.

We may, in our discretion, impose such fees for the use of SMS Banking facilities from time to time.

We reserve the right to modify, restrict, cancel, suspend or discontinue the provision of SMS Banking facilities without giving any reason.

You shall be responsible for ensuring that your contact information, including any mobile phone number to which you have instructed us to send SMS Banking messages, is accurate, current and up-to-date. We shall not be liable for any accidental disclosure of your account balance or any other relevant information where you fail to provide us with an accurate, current and up-to-date email address.

We may, in our discretion, prescribe requirements and/or any other criteria on the registration and use of a Mobile Wallet and any stored value Card provided in conjunction with a Mobile Wallet.

The use of a Mobile Wallet and any stored value Card provided in conjunction with a Mobile Wallet shall be subject to any user terms and conditions to be notified to you upon your registration and during your use of a Mobile Wallet.

Mobile Wallets provided as a joint service with any third-party entity may be subject to terms and conditions which shall be separately notified to you either by us or by such third parties. Such terms and conditions shall apply in addition to our Terms.

Funds stored on a Mobile Wallet and stored value Card provided in conjunction with a Mobile Wallet are not insured deposits under the Deposit Insurance and Policy Owners’ Protection Schemes Act (Chapter 77B of the Singapore Statutes) and are ineligible for protection by the Deposit Insurance Scheme administered by the Singapore Deposit Insurance Corporation Limited under the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.

You agree that you shall:

cause a police report to be filed where you discover or suspect any fraudulent or unauthorised transactions.

You shall promptly notify us if there is any change in your mobile phone number and/or email address.

We shall not be responsible for any loss suffered by you arising from or in connection with your use of any Electronic Service even if we are advised of, or otherwise might have anticipated, the possibility of such loss, damage or expense.

Unless otherwise liable under Applicable Law, we shall not be held liable for your damages, expenses, loss, liabilities, claims, consequences, actions, proceedings (whether direct, indirect or consequential) or costs (including all legal costs) in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) incurred in connection with:

You agree to indemnify fully and hold us harmless against all losses, damages, liabilities, costs (including legal costs on a full indemnity basis) and expenses in respect of claims as a result of:

Unless the context otherwise requires, the following terms shall have the following meanings:

Unless the context otherwise requires: