1. annual service fee
   a non-refundable fee for the issuance and renewal of each Principal and Supplementary Card,
2. processing fee for returned GIRO or dishonoured cheques
   a fee for any returned GIRO or dishonoured cheque tendered to us as payment,
3. retrieval service fee
   a fee for retrieval of sales draft or monthly statement (beyond the current 3 months),
4. cash advance fee
   a fee for any cash advance obtained by using your Card and/ or PIN. A finance charge of 24% p.a. on the amount withdrawn, chargeable on a daily basis from the cash advance transaction date until full payment applies.

This Agreement contains the terms and conditions applicable to your Card(s) and your Card Account(s). Please read them carefully before you sign or use the Card(s). Upon signing or using the Card(s), you will be bound by this Agreement. A reference to the words "use", "using" or "use of" any Card shall mean use of the physical Card or any detail or particular of the Card including but not limited to the Card Account number and expiry date of the Card or use via such other permitted means or channels as we may designate or allow from time to time.

When you read this Agreement, bear in mind that "you", "your" and "Cardholder" mean the person named on the enclosed Card. The words "we", "our" and "us" refer to DBS Bank Ltd and its successors and assigns. If you are the individual requesting us to issue the Card(s) to you, you will be known as the "Principal Cardholder" and you will have an account with us called the "Card Account". If you have received this Card(s) upon the request of a Principal Cardholder to be used in conjunction with the Principal Cardholder's Card Account, you will be called the "Supplementary Cardholder", and each Card(s) issued to you will be known as a "Supplementary Card".

1. USE OF CARD/PIN

1.1 RECEIPT OF CARD/PIN

Once your application for a Card is approved, we shall send you a Card and a Personal Identification Number (PIN) to be used in conjunction with your Card. Upon receipt of your Card, you should sign the Card before you use it. By signing the Card or using the Card, you will be bound by the terms and conditions of this Agreement.

1.2 CARD AND PIN FACILITIES

You may use your Card for making authorised purchases or obtaining cash advances. No other person is allowed to use the Card and/or PIN to make any transactions. We may determine at our sole discretion the facilities that you may utilise using your PIN. Should we decide to, we may also modify any such facilities.

2. CREDIT LIMIT

2.1 CHARGES NOT TO EXCEED OVERALL CREDIT LIMIT

We may set an overall credit limit in respect of each Card Account. The total charges incurred under each Card Account by the Principal Cardholder and the Supplementary Cardholder(s) when added together, must not exceed the credit limit set for each Card Account. We may, where necessary, review any of your credit limits without notice.

2.2 WHERE CHARGES EXCEED CREDIT LIMIT

We may choose to approve certain card transactions that would result in the credit limit being exceeded. On any occasion where the credit limit relating to your Card Account has been exceeded, you shall immediately pay us the amount in excess of your credit limit. We may also refuse to authorise any card transaction that you wish to effect even though such card transaction would not cause the credit limit to be exceeded.

3. LOSS/THEFT OF CARD/DISCLOSURE OF PIN/ACCOUNT NUMBER

3.1 DUTY TO PREVENT LOSS/THEFT/FRAUD

Your Card(s) remain our property at all times. You must keep your Card(s) securely and ensure that your Card Account number(s) and PIN are not disclosed to any other person.

3.2 DUTY TO NOTIFY US

Should you discover that your Card is lost, stolen or used or PIN or any detail or particular of your Card or Card Account is stolen, disclosed or used in an unauthorised way, you shall notify us immediately of the loss, theft or unauthorised use by calling our Customer Service Hotline at 1800 111 1111 or by notifying us in writing. In certain circumstances, we may also require you to make a police report accompanied by written confirmation of the loss/theft/disclosure and any other information that we may require.

3.3 LIABILITY FOR LOST/STOLEN CARDS

You shall not be liable for any transactions carried out after we have been notified of the loss/theft/disclosure. However we shall debit the relevant Card Account for all transactions carried out before we are notified of the loss/theft/disclosure, even if such transactions were carried out without your authorisation.

4. PAYMENT

4.1 LIABILITY FOR TRANSACTIONS

You are liable for all authorised card transactions and cash advances. In addition, you shall be responsible for unauthorised transactions referred to in Clause 3.3 above. We shall send the Principal Cardholder a Card Account statement every month listing the transactions incurred by the Principal Cardholder and the Supplementary Cardholder(s) (where applicable) in respect of each Card Account(s).

4.2 PAYMENT OBLIGATIONS

1. You shall pay us the entire outstanding balance or at least, the minimum payment specified in the Card Account statement by the payment due date. If your card transactions exceed your credit limit in any given month, you shall also pay all amounts by which the credit limit has been exceeded. If you do not pay the entire outstanding balance by the payment due date, you must pay a finance charge of 24% p.a. on (i) each individual transaction comprising the outstanding balance in your Card Account statement from the date such transaction was effected to your Card Account to the statement date of that Card Account and (ii) the entire outstanding balance of your Card Account (less any partial payment made) from the statement date of the Card Account until full payment of such outstanding balance is made.
2. If you fail to make at least the minimum payment specified in your Card Account Statement by the payment due date, you may also be liable for a late payment charge at such rate as we may determine.
3. Any finance or late payment charge payable by you shall be calculated based on a 365-day year or on a 366-day year in a leap year.

1. annual service fee
   a non-refundable annual service fee for the issue and renewal of each Principal and Supplementary Card;
2. processing fee for returned GIRO or dishonoured cheques
   a processing fee for any returned GIRO or dishonoured cheque tendered to us as payment;
3. administrative fee for production of documents
   an administrative fee for any replacement Card or production of documents relating to your Card;
4. service fee for irregular payment made through another financial institution
   a service fee if payment under any arrangement made between you and another financial institution in respect of payment for your Card Account is irregular;
5. cancellation fee for "no show reservation"
   a charge for cancelling or failing to fulfil an airline or hotel reservation secured through your Card;
6. cash advance fee
   a cash advance fee of 5% of the cash advance or $15 (whichever is greater) for any cash advance obtained by using your Card and/or PIN;
7. service charge/administrative fee
   a service charge or administrative fee for any service or facility provided by us or any action taken by us in carrying out any of your instructions and/or requests relating to your Card Account, whether such service or action is referred to or contemplated in this agreement or otherwise.

1. the fee stated in Clause 4.3(f); and
   a finance charge (at the rate stated in Clause 4.2) on the amount of the cash advance as from the date the cash advance was obtained until full payment of the outstanding balance of that Card Account is made.

1. should your Card(s) or PIN be rejected by a merchant or any terminal used to process card transactions or f we refuse for any reason to authorise any card transaction;
2. for any malfunction, defect or error in any terminal used to process card transactions, or other machines or system of authorisation whether belonging to or operated by us or other persons;
3. for any delay or inability on our part to perform any of our obligations under this Agreement because of any electronic, mechanical, system, data processing or telecommunication defect or failure, Act of God, civil disturbance or any event outside our control or the control of any of our servants, agents or contractors or any fraud or forgery or;
4. for any damage to or loss or inability to retrieve any data or information that may be stored in your Card(s) or any microchip or circuit or device in your Card(s).

1. You authorise us to pay to the relevant merchant for your purchase of the relevant goods/services (in such manner as may be agreed between the merchant and us) and to debit your Card Account for the purchase price of the goods and services in the number of instalments indicated on the receipt containing details of the Plan.
2. We have the discretion to determine the size of each instalment payment as long as the total instalment payments do not exceed the purchase price.
3. The first instalment payment will be debited from your Card Account on the next statement date of your Card Account (which will be the date reflected as the "statement date" in the respective Card Account statement ). Each subsequent instalment payment will be debited on or about the same day in each following month, until the purchase price has been completely debited to the Card Account.
4. You agree that the credit limit related to your Card Account will be reduced by such portion of the purchase price that is unpaid, although the same may not be posted to your Card Account as yet.
5. If any instalment payment debited to your Card Account is not paid in full when due and payable, you must pay us the finance charges, interest and fees on the outstanding amounts at our prevailing rate.
6. We may at our discretion and without notice to you debit the whole balance of the purchase price then outstanding to your Card Account at any time, in which case such balance will be immediately due and payable by you.
7. We may at our discretion impose an administrative fee at such rate as we may determine if the Plan is terminated (whether arising from the termination of your Card Account or otherwise) or if you make a prepayment of any amount under the Plan.
8. You will not hold us responsible in any way for any goods/services supplied or not supplied by any merchant or the quality or performance of any goods/services pursuant to or in relation to any card transaction. Any dispute or complaint which you may have against any merchant must be resolved directly between you and the merchant and such dispute or complaint or any claim or right of set-off which you may have against the merchant shall in no way affect your liabilities and/or obligations under this Agreement.

1. any person or organisation participating in the provision of electronic or, without limitation, other services in connection with banking services or usage or loyalty benefits made available or utilised by you, whether in Singapore or outside Singapore for the purpose of the operation of the said services, including but not limited to investigating discrepancies, errors or claims;
2. banks, credit or charge card companies or merchants in credit or charge card enquiries;
3. outsourced agents appointed by us for the purpose of making, printing, mailing, storing, microfilming and/or filing personalised cheques, statements of accounts, cards, labels, mailers or any other documents or items on which your name and/or other particulars appear, or any data or records or any documents whatsoever;
4. any information garnering or processing organisation or department or consultant conducting survey(s) or analyses or developing system applications on our behalf;
5. any person or organisation for the purpose of marketing or promoting any services or products whether our own or tied up by us;
6. VISA International, MasterCard International or American Express International;
7. any of our related corporations (as such term is defined in the Companies Act, Chapter 50 of Singapore) for risk management purpose, for monitoring credit exposures across the DBS Group to you and for cross-selling purposes. "DBS Group" means any of our subsidiaries, our holding company and any subsidiaries of our holding company;
8. any government agency or authority or courts of the jurisdiction where any of our overseas branches is situated;
9. any person or organisation for the purpose of collecting or recovering on our behalf, or securing for your benefit or repaying on your behalf, any sums of money owing to us from you;
10. any credit bureau of which we are a member or subscriber ("Bureau").

1. us to obtain information relating to you from any Bureau and consent to such Bureau disclosing information about you to us, and
2. the Bureau to disclose information about you obtained from us to its members or subscribers and/or compliance committees. Our authority, and the Bureau's authority, to disclose such information shall survive the termination to this Agreement.