DBS IDEAL™ is a corporate internet banking platform designed for all companies ranging from small medium enterprises to large corporations.

DBS IDEAL™ Application Forms have to be signed by the company's authorised signatories.

The related charges are categorised into: Set-up, Monthly Subscription and rental of Token & Installation charges

DBS IDEAL™ can be accessed any time around the clock. It is available 24x7 including, weekends and public holidays.

DBS IDEAL™ can be accessed from anywhere in the world as long as you have an Internet connection.

You will have real-time access to the latest account information via DBS IDEAL. You may also fetch historical transactions for the current month plus 2 prior months.

DBS IDEAL™ has the capability to present daily statements from your accounts held with other banks. You can instruct your other banks to issue a MT940 to DBS. With this arrangement, DBS will be able to present these statements to you via DBS IDEAL™.

DBS IDEAL™ is able to export statements into the following formats:

MT940 SWIFT MT940 SAP CSV (Comma Separated Values - with column headers)

Yes, DBS IDEAL™ allows you to enquire the status of the following type of cheques:

Bank Cheques issued via DBS IDEAL™ Corporate Cheques issued via manual cheque books Corporate Cheques issued via DBS IDEAL™

Yes. Customers can perform enquiries on incoming funds to DBS accounts via DBS IDEAL™. Information will be categorised according to Telegraphic Transfers and Local Wire and details such as amount and remitting bank details of the incoming funds can be viewed.

The payment service offered via DBS IDEAL™ include:

Account Transfer Intra-Company Transfer Bank Cheques (SGD Cashier's Order) Corporate Cheques (SGD) Demand Draft GIRO Payment GIRO Payment (DBS)

GIRO Plus GIRO Payment Online GIRO Payroll GIRO Mgmt Payroll Telegraphic Transfer Local Wire - MEPS

The receivable services offered via DBS IDEAL™ include:

GIRO Collection GIRO Collection (DBS) GIRO Plus

Transactions in DBS IDEAL™ are validated on a real-time basis for data such as:

Amount (non-zero value) Value Date (against transaction-specific cut-off times, public holidays and non-working days) The completeness of mandatory fields, such as debit account, beneficiary name, beneficiary address (for cheques and demand draft), value date and details like bank branch code (for GIRO related transactions)

DBS IDEAL™ allows for the segregation of users based on transaction or product functionalities. Users without the access rights to GIRO Payroll and GIRO Management Payroll WILL NOT have access to view these transactions. In addition, the access rights can be configured such that users view only the payroll summary details instead of individual transaction details.

DBS IDEAL™ allows users to create models for all payment types for recurring payments.

Models facilitate the creation of transactions by saving pre-determined payment details such as debit account, beneficiary name, account, bank and amount on a template. Pre-determined fields can be locked or protected so that crucial information cannot be edited or amended.

All models and transactions created from the models will have to be authorised before they can be used.

Transactions can be created with a future value date in DBS IDEAL™. These transactions will be warehoused until the value date, and thereafter processed accordingly. Transactions that have past value dates, exceeded cut off times or are dated on non-business days, will automatically be invalid during the transaction creation process.

DBS IDEAL™ is accessible anywhere and at anytime, so you can create transactions and perform account enquiries on non-business days or any hour of the day. However, transactions cannot be value-dated on non-business days or after cut-off times on the same day.

DBS IDEAL™ provides a comprehensive list of reports from the depository ranging from transaction specific reports to summary reports. These include transaction summary reports, as well as detailed reports on cheque status and GIRO status. Customers can define parameters to filter transaction information based on categories such as debit account, value date range, status, beneficiary name, amount.

Restricting transactions to only the approved beneficiaries can be done via the Restrict Beneficiary function.

You will only be able to select approved beneficiaries from the Lookup Library. You will not be able to enter the beneficiary name and accounts manually. Your designated administrator handles the maintenance of beneficiaries, and an authorizer will need to approve this restricted beneficiary list.

DBS understands the complex and unique requirements of every customer. Hence, DBS IDEAL™ provides customers the flexibility to restrict users by settlement accounts; i.e. customers can select the settlement accounts that each user can have access to. Such a set-up may be applicable to situations where a business unit under a group has access to only its own set of accounts for transaction initiation and accounts enquiry.

DBS IDEAL™ also allows the segregation or restriction of users by transaction types. For example, only users from the Human Resource Department can have access to the GIRO Payroll transaction type.

The bank will process transactions that have been approved successfully according to the specific value date. Authorised signatories will have to write to the bank to make changes or amendments to these transactions. If the transactions have already been processed, for example, the cheque has already been mailed to the beneficiary, you will have to issue a stop payment instruction.

For cheque transactions issued via DBS IDEAL™, customers will be able to place stop payment instructions via DBS IDEAL™. However, a separate manual stop-payment instruction signed by the authorised signatory will have to be issued to the bank for DBS IDEAL™ related transactions.

A)

Import Products Letters of Credit (LC) Application Letters of Credit (LC) Amendment Shipping Guarantees / Air WayBill Guarantee Application Bills under Letters of Credit Bills under Collection Settlement for Bills Users can initiate Import LC applications and amendment(s) via DBS IDEAL™ and will be able to receive copies of the LC upon issuance. They can also perform multi-currency LC/Import Collection settlement and apply for trust receipt financing. Users can also apply online for a banker indemnity to clear goods from the shipping or airline companies before transport documents are received.

B)

Export Products Export LC Advising Export LC Amendment Export LC Confirmation Application Export Bills under LC Export Bills under Collections Users can view and print copies of SWIFT Export LCs and amendments advised to their companies who are the beneficiary, as well as apply for LC confirmation. Status of the acceptance and payment of the Export LC or Collection bills can be viewed online

C)	Bank Guarantee/ Standby Letter of Credit BG / SBLC BG / SBLC Amendment Users can apply for Guarantee / SBLC over DBS IDEAL™, as well as related amendment(s).

D)

Reports Imports and BG / SBLC Exports Trade Loans Consolidated Statement The reporting capabilities of DBS IDEAL™provide a comprehensive list of reports from the depository. User- defined parameters are available to filter the information based on value date range, status, beneficiary name, amount and others. Electronic Month-end Trade Statement is availiable for downloading to excel format by users. Viewing the summary of the outstanding amount for the trade transaction is also made possible

E)	Enquiries Imports Exports BG / SBLC Trade Loans Users can search for information relating to trade transactions by various criteria that they can specify. This is available for transactions initiated via the system or via physical applications over the bank's counters, including trade loans.

The integration capabilities of DBS IDEAL™allow customers to upload transactions from their ERP system. Files imported generated from the ERP system need to be encrypted before they are imported into DBS IDEAL.

The file will be decrypted during the upload process and details of the transactions will be validated for the completion of mandatory fields and accuracy of key fields such as settlement account, value date, bank branch code, transaction count and total amount.

DBS IDEAL™supports the following number of records for file upload:

Transaction Type File Size No. of Records GIRO Payments and Collection - IBG format 3 MB 24,000 Cheque Payment and GIRO Plus 3 MB 1,000 (1 cheque + 1 advice)

For requirements that exceed the above specifications, please contact the Global Transaction Services Product Team for alternative channels of delivery such as the Server-to-Server solution.

DBS IDEAL™supports the following file formats for the various transaction types:

Import to DBS IDEAL File Format Options Transaction Type File Format File Format File Format GIRO Express - Payments & Collection IBG Prime NETSFEDI GIRO Payment and Collection IBG Prime NETSFEDI GIRO Payment Plus Prime Cheque Express / CO Cheque Express Prime Corporate Cheque Prime Remittances Remittance V1 Remittance V2

Based on the matrix above, customers can continue to use their existing file formats in the old version of DBS IDEAL™such as IBG, NETSFEDI, Remittance V1 and Cheque Express.

IDEAL provides encryption to the file generated from the customers' ERP system before importing. An encryption tool is installed during the implementation process by DBS. The encryption tool provides a user-friendly interface for the customer to encrypt the file with a single click.

Customers can also specify the location of the clear file generated by the ERP system and the destination of the file after the import. The original file is stored as a backup.

The encryption tool supports only single access for the current version where it can be installed in a desktop. The server-based version will be available towards the end of 2005. With this version, the encryption process can be executed automatically via a script or batch file that customer has to prepare themselves. DBS does not provide support to the script or batch file.

Files that are being imported goes through the following possible status at the Batch Summary level:

Status	Explanation	Recommended Action
Status	File has been uploaded	Wait for validation completion
Processed (Black)	File has passed validation	Pending authorisation
Processed Failed	File contains errors such as: Invalid value date Invalid bank branch code Invalid file format or amount does not tally	Go to File Transfer >> Import Transactions >> Upload Notes Investigate file and amend error at source to re-generate file
Authorised	File has been authorised and submitted to bank for processing	Transfer complete
Deleted	File has been deleted	No action required

Import files with Processed (Black) status will be automatically routed for approval by the signatories and as such will not allow any amendments to the imported details.

The set-up of the authorisation matrix can be done according to the account opening process or a different set of requirements. Both approaches require approval from signatories as appointed in the Board of Resolution. The authorisation limit in DBS IDEAL™can be set based on the highest transaction value in a batch or total batch amount.

Different authorisation limits can be applied to different transaction types in DBS IDEAL. For example, collection-related transactions can be set-up to have only 1 level of approval for any amount; where payments-related transactions require 3 levels of approval based on the amount.

DBS IDEAL™allows the configuration of user access rights and privileges in 2 categories:

Single access: where the maker can authorise his / her own transactions; this is applicable for small companies where DBS IDEAL™ is operated by one person User Segregation: where there is a segregation of duties between makers and authorisers; the following depicts the default access rights between the 2 user groups:

Access Rights	Maker	Authoriser	Admin Maker	Admin Authoriser
Create	X
Edit	X
Delete	X
Authorisation		X
File Import	X
Statement Enquiry	X	X
Transaction Type	X	X
View Transaction Details	X	X
Model Creation	X
Model Approval		X
Transaction Notes	X	X
Maintain Beneficiary Library			X
Approve Beneficiary Library				X
Maintain Beneficiary Bank Details			X
Approve Beneficiary Bank Details				X
View User Access			X	X
View Authorisation Matrix			X	X
Run Admin Reports*			X	X

* Admin Report includes: User Activity Report and Transaction Audit Trail Report

DBS IDEAL is accessible anywhere as long as there is an Internet connection. The authoriser can login to DBS IDEAL when he is out of office or on overseas assignment to approve the transactions with his Token.

When the authorisation is done after the cut off time, DBS IDEAL will prompt the authoriser that the transactions have passed cut-off time, and will provide an option for the system to automatically adjust the value-date to the appropriately. Alternatively, the authoriser can choose to reject the transactions and have the maker perform the necessary amendments before approval.

You will need to have the following hardware and software to use DBS IDEAL:

Hardware
Processor	Pentium 2 and above
RAM	128MB
Available Hard Disk Space	40 MB (applicable for encryption tool only to perform file upload)
Operating System and Browser Version
Operating System	Windows 98 Windows NT Workstation Windows NT Server Windows 2000 Professional Windows 2000 Server Windows XP Home Windows XP Professional
Browser	MS Internet Explorer 5.5 SP 2 MS Internet Explorer 6.0 SP 1

DBS IDEAL is a web-based application, which requires a browser via the Internet and is accessible via the URL (Uniform Resource Locator): https://newideal.dbs.com . Companies with stringent Internet policies will need to configure their firewall to allow access to the DBS IDEAL login page.

No installations are required to run DBS IDEAL. For a file import of transactions into DBS IDEAL, you will need to install an encryption utility to ensure that the files are securely uploaded into DBS IDEAL and are tamper-free.

Transactions and statements are stored based on the following MAS guidelines:

Type	Online	Archival - External Media
Payments (excluding cheque)	3 months	7 years
Cheques	9 months	7 years
Statements	3 months	7 years

DBS has deployed the following security mechanisms:

Transmission and Login Security DBS IDEAL is a VeriSign Secured Site. All information is sent in a Secure Socket Layer session and is encrypted to protect customers against unintentional information disclosure to third parties. Login with unique Organisation ID and User ID Token login and authorisation (all users, makers and authorisers will require a token to login) File Upload Security Public Key Infrastructure Triple Data Encryption Standard

In addition, the following configurations are set up by the bank based on the entitlement process during implementation:

User access Settlement account access Transaction type access Authorisation matrix

Automatic Logout Feature
DBS IDEAL automatically terminates the current session when it detects an inactivity of more than 15 minutes. The user will need to login again using their User ID and PIN to continue access to the service.

Constant and Vigilant Monitoring
We have put in place security surveillance systems to constantly monitor and detect any potential form of illegitimate activities on our network and systems.

Regular Review and Audit
Regular security reviews and audits are conducted by internal as well as external auditors.

For added security, DBS IDEAL does not store the User ID in the cache.

A full audit trail is available in DBS IDEAL. It captures information relating to the transaction such as date, action performed and name of the user.

DBS IDEAL uses pop-up windows for navigation across screens. Hence you need to disable any pop-up blocker settings to proceed.

The most common popup blocker occur on Microsoft Internet Explorer and if you are using a Yahoo! Toolbar. You can disable the popup blocker by following the step by step instructions on these websites:

Internet Explorer
Yahoo Toolbar

The User ID will be locked-out after 3 invalid login attempts.

The Token will be temporarily locked after 3 invalid attempts to enter the PIN into the Token; 2 retries are available after a 15-minute interval after which the token will be locked permanently.

When the User ID or account is locked or you have forgotten your PIN, you will have to submit the DBS IDEAL Application Form again to DBS. This form can be found on our DBS IDEAL website.

Customers can email or call the Customer Contact Centre for any problems or enquiries relating to DBS IDEAL. The details are:

• Email Address: contactgts@dbs.com


• Telephone No: 1-800-222-2200

The Contact Centre's operating hours are:

• Monday to Friday: 8:30am - 6:15pm

DBS has deployed the following security mechanisms:

2FA uses the combination of two different factors for verifying a user's identity. The two factors involved are something you have and something you know. A common example is when using your ATM: the card itself is the physical item (something you have) and the PIN is the data that goes with it (something you know). Someone who finds your ATM card is unlikely to also know your PIN number.

All DBS IDEAL users will be required to login using the new security device in addition to the Organisation ID, User ID and PIN assigned to you.

With Online fraud becoming increasingly sophisticated, a more stringent online security is needed to combat potential cyber crimes. With the implementation of 2FA, should your User ID and PIN be compromised for any reason, the "thief" will need to have your personal security device, without which he will be unable to access IDEAL. This makes it more difficult for hackers who manage to obtain a string of customers' User IDs and PINs via phising or spyware.

• Higher security level - fraudsters cannot steal 'something you have' in your physical possession (such as mobile phone) over the Internet.
• Protection for high-risk transactions - all high-risk transactions (such as fund transfers to non-designated accounts) are protected by an additional authentication factor which is physically held by you only.
• Convenient and ease of use - you can have greater online security by taking a few more steps, which are simple and straightforward.

The Security Device generates a unique Security Access Code (SAC) that acts as a second level authentication for you. After registering your Security Device, you will require it whenever you log in to DBS IDEAL. More specifically, you will need to login in with your Organisation ID, User ID and the Security Access Code (SAC) that is displayed on the security device.

The security device will be mailed to individual users in the company in a registration pack. The registration pack will contain the following items:

1. Welcome letter containing the existing login credentials;
2. New security device; and/or
3. Acknowledgement Letter (for appointed DBS IDEAL authorisers only)

This Registration Pack will be mailed to you on a phase-by-phase basis from 1 June 2007 onwards.

Upon receipt of your login credentials and security device, we strongly encourage you to login to DBS IDEAL to perform a self-registration. An online user guide will be available to assist you in this simple, one time process.

The Self-Service Maintenance enables our DBS IDEAL™ users to execute the following by logging onto DBS IDEAL™ itself, without having to write to DBS: Unlock User; Request of PIN reset; and Unlock Token

You have to nominate two Administrative Officers in Part 3 of the forms enclosed with the notification letter sent to you.

The Administrative Officers can be existing users of DBS IDEAL™ or brand new users. If they are existing users of DBS IDEAL, they can enjoy the functions with the existing login credentials assigned to them (i.e. Org ID, user ID, PIN). If they are brand new users, then new login credentials will be sent to them upon receipt of the completed documents.

To enable the above functions to be carried out from DBS IDEAL™ itself securely, one Administrative Officer has to make the request and another person has to authorise the request.

No. For security reasons, the Login PIN will still be generated by DBS and sent to the user directly. However, users who have forgotten their PINs can make the requests through this Self-Service function, without having to write to DBS with the signed forms.

The Self-Service Maintenance features on DBS IDEAL™ requires at least two users. If you're the sole user on DBS IDEAL, you would not be able to have the Self-Service maintenance features. Thus, you are required to submit the signed maintenance forms to DBS for any maintenance requests.

The assignment of User Access Rights will still be residing with DBS. You need to complete the maintenance forms for any changes in the User Rights on IDEAL. A copy of the maintenance form can be downloaded from www.dbs.com/ideal

From 1 June 2007 onwards, DBS will be sending appointed IDEAL™ authorisers email notification once we have processed the Acknowledgement Letters so that the authorisers can perform the self-registration of their security devices.

From 1 June 2007 onwards, the acknowledgement letter(s) will have to be signed by the individual owner of the security devices for the activation of these appointed DBS IDEAL™ authorisers. This is aimed at expediting the activation of these users without having to trouble the authorised signatories of the Company to sign off on behalf of the security device holders.

Currently, non-authorisers of DBS IDEAL™ are not required to return any acknowledgement letters for activation. This means that with 2FA, non-authorisers can perform self-registration of their security devices immediately upon receipt of the registration pack.

You can complete the maintenance forms, downloadable from www.dbs.com/ideal

Users that did not provide their individual email addresses, will not be sent any email notifications

If no Administrative Officers are assigned, you would need to write to DBS with the signed Maintenance forms for any of the abovementioned functions. This process may take a longer turnaround time compared to completing the requests via DBS IDEAL™ itself. As such, we strongly encourage all users to appoint the Administrative Officers.

To find out more about IDEAL, you can go to our dedicated website at www.dbs.com/ideal

To have your login credentials sent to you, please complete the 1st page of the maintenance forms, that can be found on www.dbs.com/ideal

To terminate your IDEAL™ access, you can write an official letter (Company's letterhead). This letter has to be signed off by the authorised signatories.

The Self-Service Maintenance features allow appointed IDEAL™ users (Administrative Officers) to carry out the following functions, without having to submit the signed forms to DBS.

1. Unlock User;
2. Request of PIN reset; and
3. Unlock Token

We hope the introduction of these enhanced features will improve all user experience on IDEAL.