Common use of Charges and Fees Clause in Contracts

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal (a) 5% of the amount of the Cash Advance; or

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal (a) 5a)5% of the amount of the Cash Advance; or

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) S$15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International & American Express International, Inc. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (A) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, either as a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/MasterCard applies a conversion factor of 1% to the converted amount. For foreign charges converted by American Express, American Express applies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International, MasterCard International and American Express International, Inc. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard American Express Currency conversion charge 1% 1% imposed by card associations Our administrative fee 2.25% 2% Total fees 3.25% on top of the 3% on top of the prevailing foreign exchange prevailing foreign exchange rate determined by Visa/ rate determined by (B) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/ MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees, charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe mayprescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and ofthe CardorCard Accountand copies thereof at the request of the thereofatthe requestofthe Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to paymentto DBS is not effected noteffected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) $15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International & American Express International, Inc. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (a) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, eitheras a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/ MasterCard applies a conversion factor of 1% to the converted amount. For foreign chargesconverted byAmerican Express, American Expressapplies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International, MasterCard International and American Express International, Inc. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard American Express Currency conversion charge imposed by card associations 1% 1% Our administrative fee 2.25% 2% Total fees 3.25% on top of the prevailing foreign exchange rate determined by Visa/MasterCard 3% on top of the prevailing foreign exchange rate determined by American Express (b) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees, charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) S$15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International & American Express International, Inc. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (A) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, either as a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/MasterCard applies a conversion factor of 1% to the converted amount. For foreign charges converted by American Express, American Express applies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2% of the foreign currency transaction amount for transactions involving VISA International, MasterCard International and American Express International, Inc. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard American Express Currency conversion charge 1% 1% imposed by card associations Our administrative fee 2% 2% Total fees 3% on top of the 3% on top of the prevailing foreign exchange prevailing foreign exchange rate determined by Visa/ rate determined by (B) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/ MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees, charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe mayprescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and ofthe CardorCard Accountand copies thereof at the request of the thereofatthe requestofthe Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 and whereby any arrangement between the Cardmember and any financial financial 7.1.5 institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to paymentto DBS is not effected noteffected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) S$15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International & American Express International, Inc. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (A) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, eitheras a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/MasterCard applies a conversion factor of 1% to the converted amount. For foreign chargesconverted byAmerican Express, American Expressapplies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International, MasterCard International and American Express International, Inc. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard American Express Currency conversion charge imposed by card associations 1% 1% Our administrative fee 2.25% 2% Total fees 3.25% on top of the 3% on top of the prevailing foreign prevailing foreign exchange rate exchange rate determined by Visa/ determined by MasterCard American Express (B) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/ MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/ MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees, charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe mayprescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof there of at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 and whereby any arrangement between the Cardmember and any financial financial 7.1.5 institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) S$15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International & American Express International, Inc. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (A) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, either as a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/MasterCard applies a conversion factor of 1% to the converted amount. For foreign charges converted by American Express, American Express applies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International, MasterCard International and American Express International, Inc. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard American Express Currency conversion charge imposed by card associations 1% 1% Our administrative fee 2.25% 2% Total fees 3.25% on top of the 3% on top of the prevailing foreign prevailing foreign exchange rate exchange rate determined by Visa/ determined by MasterCard American Express (B) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/ MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/ MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees, charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) $15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely VISA International and MasterCard International. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (a) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, either as a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/ MasterCard applies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International and MasterCard International. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard Currency conversion charge imposed by card associations 1% Our administrative fee 2.25% Total fees 3.25% on top of the prevailing foreign exchange rate determined by Visa/MasterCard (b) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees, charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof there of at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) $15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government- mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (a) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, either as a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/MasterCard applies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International and MasterCard International. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard Currency conversion charge imposed by card associations 1% Our administrative fee 2.25% Total fees 3.25% on top of the prevailing foreign exchange rate determined by Visa/MasterCard (b) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.

Charges and Fees. 7.1 DBS may debit the Card Account with: 7.1.1 an annual service fee for the issue or renewal of each Card at such rate as DBS may prescribe mayprescribe from time to time without notice and such fee shall not in any event be refundable; 7.1.2 a cheque processing fee of such amount as DBS may prescribe from time to time without notice for any cheque tendered in payment to DBS or for credit to any Card Account which is dishonoured for any reason whatsoever; 7.1.3 an administrative fee of such amount as DBS may prescribe from time to time without notice for the replacement of any Card or for the provision of any records, statements, sales drafts, credit vouchers or other documents relating to the use of the Card or Card Account and copies thereof there of at the request of the Cardmember or any Cardholder; 7.1.4 a charge for each travel airline or hotel reservation made through the use of the Card which is subsequently cancelled or not taken up and such charge shall be at the rate prescribed by the Merchant with or through whom the reservation was made or at such rate as DBS may prescribe from time to time without notice; and 7.1.5 whereby any arrangement between the Cardmember and any financial institution (including DBS), any payment is to be made to DBS for the credit of any Card Account, whether at regular intervals or otherwise, a fee of such amount as DBS may prescribe from time to time without notice for each occasion when any payment to DBS is not effected at the time when such payment should have been effected in accordance with such arrangement. 7.2 If a Cash Advance is made or obtained through the use of any Card and/or the PIN of the Card, DBS may debit the Card Account of the Card with: 7.2.1 a fee equal to: (a) 5% of the amount of the Cash Advance; or (b) $15, whichever is the greater; and 7.2.2 a Finance Charge on the amount of the Cash Advance as from the date the Cash Advance was made or obtained until full payment of the Outstanding Balance of that Card Account is made. DBS may at its absolute discretion waive the fee referred to in Condition 7.2.1 for any type or category of Cash Advances as DBS may determine or change this rate from time to time without notice. 7.3 All references to dollars and “$” in this Agreement shall mean Singapore Dollars. Card transactions in US dollars shall be converted to Singapore dollars on the date of conversion. Transactions in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government- mandated rate, as shall be determined by the respective card associations, namely VISA International, MasterCard International & American Express International, Inc. The rate used for the conversion may be different from the rate in effect on the date of the transaction due to market fluctuation. (a) Foreign currency transaction All card transactions in foreign currency are subject to a charge imposed by the respective card associations, either as a reimbursement charge representing the charge imposed on us or as a direct charge to you. For foreign charges converted by Visa/ MasterCard, Visa/MasterCard applies a conversion factor of 1% to the converted amount. For foreign charges converted by American Express, American Express applies a conversion factor of 1% to the converted amount. An administrative fee for services provided or actions taken by us in relation to such foreign currency transactions shall be payable by you and debited to your Card Account. Our prevailing administrative fee is 2.25% of the foreign currency transaction amount for transactions involving VISA International, MasterCard International and American Express International, Inc. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by the respective card associations Visa / MasterCard American Express Currency conversion charge imposed by card associations 1% 1% Our administrative fee 2.25% 2% Total fees 3.25% on top of the prevailing foreign exchange rate determined by Visa/MasterCard 3% on top of the prevailing foreign exchange rate determined by American Express (b) Dynamic currency conversion If you have chosen to convert your card transaction into Singapore dollars via dynamic currency conversion (a service offered at selected overseas ATMs, merchants or websites), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. All card transactions which are converted via dynamic currency conversion and which are processed by Visa or MasterCard will be subject to an administrative fee of 1% by Visa or MasterCard respectively on the converted Singapore dollar amount, or such other rate as determined by us and notified to you. For illustration purpose only: Charge in foreign currency Foreign currency (e.g. MYR, HKD, USD, Euro) Foreign exchange rate Determined by Visa/MasterCard Administrative fee by Visa/MasterCard 1% on the converted SGD amount Total fees 1% on top of the prevailing foreign exchange rate determined by Visa/MasterCard 7.4 All goods and services tax and all taxes imposed on or payable in respect of any fees charges or amount incurred on or debited to any Card Account shall be borne by the Cardmember and may be debited to such Card Account.