Part A of the General Banking Terms and Conditions includes (but is not limited to) the following terms:

• Terms under which we may make changes, amendments, or replacements to the terms in the This includes our right to make unilateral changes, amendments or replacements which will be binding on you.
• Terms under which we provide Services to You should note that we have absolute discretion on whether to provide any Service to you and how we provide it to you.
• Representations, warranties, and undertakings from
• Terms relating to your instructions to us in connection with the Services offered or provided by
• Terms relating to your Authorised Persons and Agents and terms relating to the communications between you, us and your Authorised Persons and Agents
• Terms relating to our engagement and dealings with Third Party Service Providers and Third Party This includes indemnities from you and terms relating to the exclusion of our liability in connection with the engagement and dealings with Third Party Service Providers and Third Party Banks.
• Indemnities from you to us, including (but not limited to) for your use or misuse of any Service or your failure to comply with any part of the Agreement.
• Terms excluding us from liability to you or other persons. This includes (but is not limited to) exclusions of liability where any loss you or any other person may suffer is due to any fraud or forgery in relation to any Service or any unauthorised use of any Service.
• Terms relating to sanctions, anti-money laundering, anti-bribery, anti-corruption, and counter-terrorism financing laws.
• Terms under which you authorise us to disclose confidential information and terms relating to the collection, use and the holding of personal data.
• Terms relating to our right to immediately terminate and/or suspend any Service provided by us and to terminate and/or suspend any Service with prior notice.
• Special terms which apply to you if you are a sole proprietor, partnership, trustee / trustee-manager acting on behalf of a trust or a society, co-operative society, or unincorporated association.

You should note that other Parts of the General Banking Terms and Conditions, Jurisdiction Schedules and Service Schedules may also contain additional indemnities and terms relating to the exclusion of our liabilities.

Part B of the General Banking Terms and Conditions includes (but is not limited to) the following terms:

• Terms relating to your access, and your Authorised Persons' access of the digital
• Terms relating to the provision of digital channels on an as is and as available
• Terms relating to any authentication mechanisms when using our digital
• Terms relating to system, hardware, software, and security requirements when using our digital
• Terms relating to the provision of software, APIs, market data and other content when using our digital

Part C of the General Banking Terms and Conditions includes (but is not limited to) terms for the following Services:

• Terms relating to any Account that you open with
• Additional terms relating to foreign currency accounts, multi-currency accounts and joint
• Terms relating to currencies which may be subject to exchange controls or other restrictions under
• Terms relating to various forms of payments and receipts, including cheques, drafts, pay orders, telegraphic transfers, domestic transfers, direct debit payments, standing instructions and others.
• Terms relating to the use and processing of
• Terms relating to the direct debit authorisation Service, the virtual account Service, and the consolidated receivables reporting Service.

Part D of the General Banking Terms and Conditions includes (but is not limited to) the following terms:

• Terms relating to the types of foreign exchange transactions that we may provide as basic financial markets products and services, and the capacity in which we act when we provide them.
• Terms relating to how we will enter into foreign exchange transactions with
• Terms relating to the requirements we may impose as conditions to entering into foreign exchange transactions with you and limits we may impose on your foreign exchange transactions.
• Terms relating to how the rates that apply to any foreign exchange transaction, and the amounts payable under them, will be determined and calculated.
• Terms relating to how you must make payments, or provide settlement instructions for payments, for foreign exchange transactions and our rights if you fail to do so.
• Terms setting out the conditions to our obligations to make payments to you, and our rights with respect to settlement
• Terms under which we may adjust, or take other action in relation to, foreign exchange transactions and your liability for any loss we incur as a result of such adjustment or action.
• Terms relating to our rights to immediately terminate foreign exchange transactions and calculate amounts payable and exercise other rights on such early termination.
• Additional representations, warranties, and undertakings from you including special provisions relating to currency.
• Terms excluding us from liability to you or other persons. This includes (but is not limited to) exclusions of liability arising from any loss or delay in the transmission or wrongful interception of any order or for any failure to fulfil any request, order, or instruction.
• Terms relating to the application of other agreements you may enter into with us, such as a DBS Master Agreement or an ISDA Master Agreement, to foreign exchange transactions.
• Terms disclosing risk of loss and other risks in dealing in foreign exchange transactions and your acknowledgements in respect of those risks.

This Service Schedule sets out the terms under which we provide additional connectivity services to you. This includes (but is not limited to):

• host to host services allows for straight through processing of large volumes of transactions, use of customised pre- processing rules, automated routing, and real time transaction alerts.
• DBS API services: allows you to connect to our APIs to connect to our Limits, such as the limits on the number of requests or number of users may be imposed.
• customer API services: allows us to connect to your APIs to provide you with our Services. Any APIs should not be modified without our prior written consent, and you must provide us with all details of any open-source software
• SWIFT fileact services: you must be an authorised SWIFT participant to use the connectivity options offered by SWIFT to securely transfer files to us.
• remote data transmission services allow you to use multi-bank connectivity solutions to access our Records on the use of the services must be maintained and provided to us upon request.

This Service Schedule sets out the terms which allows you as a merchant to make collections in real-time, access your funds the same day and easily reconcile your accounts with real-time notifications and end of day reports. Registration with a payment rail (such as VietQR for Vietnam) and the creation of a DBS Max wallet is a pre-requisite to use this service. Refunds can only be provided in certain instances e.g. for refunds through the DBS Max App Service, refunds can only be performed if the DBS Max wallet has sufficient funds, and the payment transaction is reflected in the transaction history.