Common use of INTEREST AND CHARGES Clause in Contracts

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;; and (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches.; (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iii) a handling fee for any CRC PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment;; and (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;. (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iii) a handling fee for any CRC PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit PC account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CRCS accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 $5.00 per month, from the transaction date until the date when full payment of the CRC CRCS outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CRCS statement shall be specified in the CRC CRCS statement. (ii) If the minimum payment specified in any earlier CRC CRCS statement or such part of the CRC CRCS outstanding balance shown in such CRC CRCS statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC CRCS statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize authorise us to contact you (using the details you provided in the CRC CRCS application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CRCS account including informing you that your CRC CRCS outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CRCS account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CRCS account within twelve (12) months from the approval of your CRCS account; (iii) a handling fee for any CRC CRCS cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC CRCS cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CRCS account or sending you copies of past CRC CRCS statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CRCS account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;; and (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CRCS account or shall be payable by you upon demand or at such time as we may deem fitfit with reasonable notice to you. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CUC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC CUC outstanding balance is received by us. Such interest shall be compounded monthly daily and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CUC statement shall be specified in the CRC CUC statement. (ii) If the minimum payment specified in any earlier CRC CUC statement or such part of the CRC CUC outstanding balance shown in such CRC CUC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC CUC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC CUC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CUC account including informing you that your CRC CUC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CUC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CUC account within twelve (12) months from the approval of your CUC account.” (iii) a non-refundable one-time joining fee, payable upon the opening of your CUC account; (iv) a handling fee for any CRC CUC cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC CUC cheque in respect of which you have given instructions to stop payment;; and (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CUC account or sending you copies of past CRC CUC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CUC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CUC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CRCS accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 $5.00 per month, from the transaction date until the date when full payment of the CRC CRCS outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CRCS statement shall be specified in the CRC CRCS statement. (ii) If the minimum payment specified in any earlier CRC CRCS statement or such part of the CRC CRCS outstanding balance shown in such CRC CRCS statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC CRCS statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize authorise us to contact you (using the details you provided in the CRC CRCS application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CRCS account including informing you that your CRC CRCS outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CRCS account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CRCS account within twelve (12) months from the approval of your CRCS account; (iii) a handling fee for any CRC CRCS cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC CRCS cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CRCS account or sending you copies of past CRC CRCS statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CRCS account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit CRCS account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CRCS account or shall be payable by you upon demand or at such time as we may deem fitfit with reasonable notice to you. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CRCS accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 $5.00 per month, from the transaction date until the date when full payment of the CRC CRCS outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CRCS statement shall be specified in the CRC CRCS statement. (ii) If the minimum payment specified in any earlier CRC CRCS statement or such part of the CRC CRCS outstanding balance shown in such CRC CRCS statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC CRCS statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize authorise us to contact you (using the details you provided in the CRC CRCS application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CRCS account including informing you that your CRC CRCS outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CRCS account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CRCS account within twelve (12) months from the approval of your CRCS account; (iii) a handling fee for any CRC CRCS cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC CRCS cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CRCS account or sending you copies of past CRC CRCS statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CRCS account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) service fee of S$10.70 S$10.80 (inclusive of 8% GST) is charged for each payment made to Citi Ready Credit CRCS account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CRCS account or shall be payable by you upon demand or at such time as we may deem fitfit with reasonable notice to you. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CUC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC CUC outstanding balance is received by us. Such interest shall be compounded monthly daily and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CUC statement shall be specified in the CRC CUC statement. (ii) If the minimum payment specified in any earlier CRC CUC statement or such part of the CRC CUC outstanding balance shown in such CRC CUC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC CUC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC CUC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CUC account including informing you that your CRC CUC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CUC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CUC account within twelve (12) months from the approval of your CUC account; (iii) a non-refundable one-time joining fee, payable upon the opening of your CUC account; (iv) a handling fee for any CRC CUC cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC CUC cheque in respect of which you have given instructions to stop payment; (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CUC account or sending you copies of past CRC CUC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CUC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit CUC account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CUC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You 21. The outstanding amount of the Overdraft Facility shall pay interest, which shall accrue daily carry interest at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant specified in the Annexure to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by usAgreement. Such The interest shall be compounded monthly computed on the outstanding amount on a daily balance basis and we shall be entitleddebited to the account at the end of every calendar month or on the termination date, whichever is earlier. As per applicable Reserve Bank of India (“RBI”) guidelines, the Borrower(s) shall need to service this interest by way of credits in the account within 30 days of the debit in the account. 22. In events of the Borrower seeking a loan against a „Third Party‟ deposit, the bank will reserve the right to revise the interest rate specified in the Annexure to the prevalent bank Base Rate, in our reasonable discretion, to vary accordance with the minimum charge at any time guidelines issued by the Reserve Bank of India. 23. The Borrower shall pay interest on the outstanding amount of the Overdraft Facility advanced and outstanding from time to time with reasonable at such rates as the Bank may from time to time notify to the Borrower. Subject to the foregoing, as of the date of execution of this Agreement and until further notice and from the same Bank to the Borrower through the First Holder, the parties agree that draw downs made pursuant to the terms hereunder shall be conclusive and binding on youcarry interest at the rate specified in the Annexure hereto. The interest which has accrued up to would remain fixed for 12 months from the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement account opening or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to you, renewal as the case may be, you shall pay a late payment charge determined however it may be changed by us the Bank depending upon market conditions and notified to you from time to timeapplicable rules and guidelines, by providing prior notice in this regard. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You 24. No separate intimation shall be liable required to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have be given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred other Borrower(s) and/or the Guarantor(s). All Parties to or contemplated in this Agreement or otherwise; (v) an overlimit fee if acknowledge that they are aware of and have knowledge of the current balance on your CRC interest rate applicable for the account exceeds your credit limit; and (vi) service fee and of S$10.70 (inclusive the fact that the same shall fluctuate throughout the tenure of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitledOverdraft Facility. The Parties hereto agree and accept that the rate of interest, in our reasonable discretion, to vary or determineas may, from time to time, be declared by the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or Bank shall be payable by you upon demand or at such time as we may deem fitbinding on them. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we The Bank shall be entitled to increase charge interest at more than one rate of interest, if the Overdraft Facility or any part is secured against different types of Deposits. 25. The Bank shall be entitled to levy a penal interest, as specified in the Annexure hereto, in addition to the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, payable on the outstanding balance amount, in case of a failure of payment and servicing the interest within the time frame specified. The penal interest shall be leviable from the date of default. 26. It is clarified that if you fail the Borrower(s) do / does not pay / service the interest (including revised rates) as informed by the Bank from time to time within the time frame specified, it shall be treated as an Event of Default and, the Obligor(s) shall be obliged to repay the Overdraft Facility along with the outstanding interest (including penal interest, if any) immediately without any notice. The Bank shall be entitled to liquidate the collateral under pledge / charge / assignment to recover the interest amount and regularize the account in case of failure to repay the overdraft facility. Without prejudice to the foregoing and any other rights that may be available to the Bank under this Agreement or in law, any default in payment shall entail an additional interest charge to be levied by the Bank, as may be prescribed by the Bank from time to time, calculated from the date of default. 27. The Borrower(s) agree(s) and undertake(s) that the Borrower(s) shall make payment of the charges as listed in the Annexure hereto for various services rendered by the Bank. The Borrower(s) agree(s) that the Bank shall be entitled to make payment changes in the aforesaid rates, including addition or deletion of any category of charges, from time to time at its sole discretion by giving due notice to the First holder (Borrower) and the Borrower(s) shall be bound by such changes which may be effected by the relevant payment dateBank. The notice may be given by way of a letter / telegram / fax / email / SMS / phone call to the first holder (Borrower) or posted on the Bank‟s website and the date of the letter / telegram / fax / email / SMS / phone call or the date on which it was posted on the Bank‟s website shall be deemed to be the date on which it was received by the customer. (d28. The Borrower(s) All interest further declare(s) and charges confirm(s) that the Borrower(s) is/are aware of the stamp duty applicable on the various agreements/documents, in relation to the Overdraft Facility executed or to be executed by the Borrower(s) and the Borrower(s) undertakes, forthwith on demand by the Bank to pay / reimburse to the Bank all stamp duties paid / payable on all such agreements / documents. The Borrower(s) also agree(s) that there may be a subsequent increase in the stamp duty due to a change in the laws / regulations and may become applicable during the period when the Overdraft Facility is valid or at the time of renewal of the limit. The Borrower(s) authorize the Bank to debit the stamp duties paid / payable and any subsequent increase on the said agreements / documents to any account of the Borrower with the Bank. 29. The Obligor(s) agree that they shall maintain a minimum Facility as specified in the Annexure to this Agreement at all times. If the Facility falls below the minimum so specified, the Bank shall be payable entitled to levy Limit Maintenance Charge or Service charge or by you before whatever other name and after judgmentat the frequency as specified in the Annexure hereto.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before orbefore the payment date specified in such CRC statement or otherwise orotherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any SGD-denominated CRC cheque issued by you which applies even if such cheque was dishonoured or stopped; (iii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) a service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit your CRC account over the counter at any Citibank BranchesBranch. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-end- of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a handling fee for any CRC SGD-denominated PC cheque issued by you which applies even if such cheque was dishonoured or stopped; (iii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iv) a handling fee for any PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment; (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvii) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (viviii) a service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit your PC account over the counter at any Citibank BranchesBranch. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CRCS accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 $5.00 per month, from the transaction date until the date when full payment of the CRC CRCS outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable absolute discretion, to vary the minimum charge at any time and from time to time with reasonable without notice and without giving any reason and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CRCS statement shall be specified in the CRC CRCS statement. (ii) If the minimum payment specified in any earlier CRC CRCS statement or such part of the CRC CRCS outstanding balance shown in such CRC CRCS statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC CRCS statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize authorise us to contact you (using the details you provided in the CRC CRCS application form) at any time via the telephone, electronic mail or by SMS short message service provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CRCS account including informing you that your CRC CRCS outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CRCS account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CRCS account within twelve (12) months from the approval of your CRCS account; (iii) a handling fee for any CRC CRCS cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC CRCS cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CRCS account or sending you copies of past CRC CRCS statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CRCS account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;; and (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable absolute discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable without notice and without giving any reason and the same may be debited from your CRC CRCS account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CUC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-end- of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC CUC outstanding balance is received by us. Such interest shall be compounded monthly daily and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CUC statement shall be specified in the CRC CUC statement. (ii) If the minimum payment specified in any earlier CRC CUC statement or such part of the CRC CUC outstanding balance shown in such CRC CUC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC CUC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC CUC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CUC account including informing you that your CRC CUC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CUC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CUC account within twelve (12) months from the approval of your CUC account; (iii) a non-refundable one-time joining fee, payable upon the opening of your CUC account; (iv) a handling fee for any CRC SGD-denominated CUC cheque issued by you which applies even if such cheque was dishonoured or stopped; (v) a handling fee for any CUC cheque issued by you which is dishonoured for any reason whatsoever; (iiivi) a handling fee for any CRC CUC cheque in respect of which you have given instructions to stop payment; (ivvii) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CUC account or sending you copies of past CRC CUC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CUC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (viviii) a service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit your CUC account over the counter at any Citibank BranchesBranch. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CUC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified specified in the CRC statement. (ii) If the minimum payment specified specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified specified in such CRC statement or otherwise notified notified to you, as the case may be, you shall pay a late payment charge determined by us and notified notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;; and (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches.; (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fitfit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You A. Lender's interest on any and all advances to Borrower and additional charges pursuant to Paragraph 12 shall pay interest, which shall accrue daily be at the prevailing interest rate for CRC accounts ratio of (See Exhibit A per month and for any additional credit granted pursuant to Clause 2(e) of this Agreement based shall be computed on a 365360-day year and upon the actual daily amount of Borrower's outstanding indebtedness. Should there be any change in the bank base rate on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and corporate loans (sometimes known as "prime rate") as from time to time with reasonable notice and published in The Wall Street Journal, or such other rate as the same nation's largest banks may substitute therefor, from the rate on the date of this agreement, the rate of interest charged to Borrower shall be conclusive and binding changed by a like amount. If Lender, at its sole discretion agrees to advance funds in any amount that is not supported by a valid invoice, an additional fee of 1.0% of the amount advanced will be charged to the Borrower's account in addition to the normal interest charges stated herein. B. If Borrower's accounts receivable loan balance exceeds 80% of the value of Borrower's eligible accounts (i.e., is over advanced) for any reason or combination of reasons, sorially or in conjunction, for thirty (30) days or longer, the amount of loan over advanced on you. The each day thereafter shall be surcharged an additional 1/30th of 1% per day until such time as no over advance exists. C. In the event of Borrower's breach of this Agreement or the occurrence of any Event of Default as defined in Paragraph 16, Borrower agrees that the rate of interest which has accrued up to charged as provided in Paragraph 4.! shall be increased by 6% per annum as of the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or occurrence of such part Event of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to youDefault, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at until such time as we may deem fit. For the avoidance no Event of doubt and without limiting the generality of Default exists. D. Notwithstanding the foregoing, you agree that we Borrower agrees to pay minimum monthly interest of $2,500.00 per month. E. Lender's charges are to be computed monthly and paid by the first of every month, and if not so paid, those charges may be charged to Borrower's account as an advance, and shall be entitled subject to increase the interest rate, at such times, for such periods and to such rates charges as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment dateprovided herein. (d) All interest and charges F. Each accounting rendered by Lender to Borrower shall be payable deemed correct and binding unless Borrower notifies Lender in writing to the contrary within thirty (30) days after the date of each accounting rendered by you before and after judgmentLender. G. In no event shall Lender's interest computed herein exceed the maximum rate permitted by law; any amounts paid in excess of the maximum permitted by law shall be returned to Borrower on demand.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day/366-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified specified in the CRC statement. (ii) If the minimum payment specified specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified specified in such CRC statement or otherwise notified notified to you, as the case may be, you shall pay a late payment charge determined by us and notified notified to you from time to time. (iii) You authorize us to contact you and the Companion (using the details you and the Companion provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you and the Companion of any matter relating to your CRC account including informing you and the Companion that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you or the Companion which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you or the Companion have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your requestrequest or the request of the Companion) or any action taken by us in carrying out any instructions or requests received from you and the Companion relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service a non-refundable fee in connection with your appointment of S$10.70 (inclusive of GST) is charged a Companion to access and operate your CRC account, payable annually in advance for each payment made to Citi Ready Credit account over year or part thereof during which the counter at Citibank BranchesCompanion facility is subsisting. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fitfit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CUC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC CUC outstanding balance is received by us. Such interest shall be compounded monthly daily and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CUC statement shall be specified in the CRC CUC statement. (ii) If the minimum payment specified in any earlier CRC CUC statement or such part of the CRC CUC outstanding balance shown in such CRC CUC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC CUC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC CUC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CUC account including informing you that your CRC CUC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CUC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CUC account within twelve (12) months from the approval of your CUC account; (iii) a non-refundable one-time joining fee, payable upon the opening of your CUC account; (iv) a handling fee for any CRC CUC cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC CUC cheque in respect of which you have given instructions to stop payment; (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CUC account or sending you copies of past CRC CUC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CUC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) service fee of S$10.70 S$10.80 (inclusive of 8% GST) is charged for each payment made to Citi Ready Credit CUC account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CUC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day/366-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;; and (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches.; (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CRCS accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 $5.00 per month, from the transaction date until the date when full payment of the CRC CRCS outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CRCS statement shall be specified in the CRC CRCS statement. (ii) If the minimum payment specified in any earlier CRC CRCS statement or such part of the CRC CRCS outstanding balance shown in such CRC CRCS statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC CRCS statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize authorise us to contact you (using the details you provided in the CRC CRCS application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CRCS account including informing you that your CRC CRCS outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CRCS account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CRCS account within twelve (12) months from the approval of your CRCS account; (iii) a handling fee for any CRC SGD-denominated CRCS cheque issued by you which applies even if such cheque was dishonoured or stopped; (iv) a handling fee for any CRCS cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC CRCS cheque in respect of which you have given instructions to stop payment; (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CRCS account or sending you copies of past CRC CRCS statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CRCS account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvii) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (viviii) a service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit your CRCS account over the counter at any Citibank BranchesBranch. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CRCS account or shall be payable by you upon demand or at such time as we may deem fitfit with reasonable notice to you. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable absolute discretion, to vary the minimum charge at any time and from time to time with reasonable without notice and without giving any reason and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application form) at any time via the telephone, electronic mail or by SMS short message service provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iii) a handling fee for any CRC PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment;; and (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;. (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable absolute discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable without notice and without giving any reason and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. The Lender and the Borrower hereby agree that the only charge imposed by the Lender upon the Borrower for the use of money in connection with the Note is and shall be (ia) You the interest expressed in the Note, at the rate set forth in the Note, which rate of interest is expressed in simple interest terms as of the date hereof in Paragraph I above, a Facility Fee (as defined in the Schedule to the Loan Agreement) due on the date hereof, such fee being a charge other than interest and being duly earned and non-refundable when due. The Lender and the Borrower have agreed that the Borrower shall pay interestto the Lender line of credit fees as provided for in the Loan Agreement, such fee being a charge other than interest and being duly earned and non-refundable when due. The Lender and the Borrower hereby acknowledge and agree that the Lender has imposed no minimum borrowing requirements, reserve or escrow balances, or compensating balances related in any way to the Note. In the event that the Borrower has been or shall be required to provide security in the form of cash, certificates of deposit, or other deposit accounts, the Borrower has been and shall be permitted to provide such additional security in the form of certificates of deposits issued by financial institutions satisfactory to the Lender upon certificate forms satisfactory to the Lender and endorsed and assigned to the Lender by wording in form and substance satisfactory to the Lender. Any use by the Borrower of certificates of deposit issued by the Lender or other accounts maintained by the Lender (except for the account used for disbursement of proceeds of the Note in which no minimum balance is required) has been and shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year be voluntary on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to timeBorrower. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iii) a handling fee for any CRC PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment; (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vivii) service fee of S$10.70 S$10.80 (inclusive of 8% GST) is charged for each payment made to Citi Ready Credit PC account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day/366-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC statement shall be specified in the CRC statement. (ii) If the minimum payment specified in any earlier CRC statement or such part of the CRC outstanding balance shown in such CRC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you and the Companion (using the details you and the Companion provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you and the Companion of any matter relating to your CRC account including informing you and the Companion that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you or the Companion which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you or the Companion have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your requestrequest or the request of the Companion) or any action taken by us in carrying out any instructions or requests received from you and the Companion relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service a non-refundable fee in connection with your appointment of S$10.70 (inclusive of GST) is charged a Companion to access and operate your CRC account, payable annually in advance for each payment made to Citi Ready Credit account over year or part thereof during which the counter at Citibank BranchesCompanion facility is subsisting. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day/ 366-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iii) a handling fee for any CRC PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment;; and (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;. (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC PC accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day/ 366-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC PC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC PC statement shall be specified in the CRC PC statement. (ii) If the minimum payment specified in any earlier CRC PC statement or such part of the CRC PC outstanding balance shown in such CRC PC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC PC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC PC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC PC account including informing you that your CRC PC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC PC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your PC account within twelve (12) months from the approval of your PC account; (iii) a handling fee for any CRC PC cheque issued by you which is dishonoured for any reason whatsoever; (iiiiv) a handling fee for any CRC PC cheque in respect of which you have given instructions to stop payment;; and (ivv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC PC account or sending you copies of past CRC PC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC PC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;. (vvi) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC PC account or shall be payable by you upon demand or at such time as we may deem fitfit with reasonable notice to you. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CRCS accounts and for any additional credit granted pursuant to Clause 2(e2(d) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 $5.00 per month, from the transaction date until the date when full payment of the CRC CRCS outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable absolute discretion, to vary the minimum charge at any time and from time to time with reasonable without notice and without giving any reason and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CRCS statement shall be specified in the CRC CRCS statement. (ii) If the minimum payment specified in any earlier CRC CRCS statement or such part of the CRC CRCS outstanding balance shown in such CRC CRCS statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e2(d) of this Agreement is not received by us in full on or before the payment date specified in such CRC CRCS statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize authorise us to contact you (using the details you provided in the CRC CRCS application form) at any time via the telephone, electronic mail or by SMS short message service provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CRCS account including informing you that your CRC CRCS outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CRCS account is subsisting; (ii) a handling fee for any CRC CRCS cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC CRCS cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CRCS account or sending you copies of past CRC CRCS statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CRCS account, whether such services or actions are referred to or contemplated in this Agreement or otherwise;; and (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable absolute discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable without notice and without giving any reason and the same may be debited from your CRC CRCS account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to youfit, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CUC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC CUC outstanding balance is received by us. Such interest shall be compounded monthly daily and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CUC statement shall be specified specified in the CRC CUC statement. (ii) If the minimum payment specified specified in any earlier CRC CUC statement or such part of the CRC CUC outstanding balance shown in such CRC CUC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified specified in such CRC CUC statement or otherwise notified notified to you, as the case may be, you shall pay a late payment charge determined by us and notified notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC CUC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CUC account including informing you that your CRC CUC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CUC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CUC account within twelve (12) months from the approval of your CUC account.” (iii) a non-refundable one-time joining fee, payable upon the opening of your CUC account; (iv) a handling fee for any CRC CUC cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC CUC cheque in respect of which you have given instructions to stop payment;; and (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CUC account or sending you copies of past CRC CUC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CUC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CUC account or shall be payable by you upon demand or at such time as we may deem fitfit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.

INTEREST AND CHARGES. (i) You A. Your interest on any and all advances to us and additional charges pursuant to Paragraph 12 shall pay interest, which shall accrue daily be at the prevailing interest rate for CRC of Comerica Bank-California Prime plus 9% on the accounts receivable loan and for any additional credit granted pursuant to Clause 2(e) of this Agreement based Comerica Bank-California Prime plus 10% on the inventory loan, and shall be computed on a 365-360 day year on and upon the endactual daily amount of our outstanding indebtedness plus three days collection clearance. Should there be any change in the so-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC outstanding balance is received by us. Such interest shall be compounded monthly and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and called reference rate (sometimes known as "prime rate") as from time to time with reasonable notice and announced by Comerica Bank-California, or such other rate as Comerica Bank-California may substitute therefore from the same rate on the date of this agreement, the rate of interest charged to us shall be conclusive and binding on youchanged by a like amount . The rate of interference charged to us shall not however at any time be less than 13% per annum. B. If our accounts receivable loan balance exceeds 80% of the value of our eligible accounts (ie. is overadvanced) for any reason or combination of reasons, serially or in conjunction, for thirty (30) days or longer; the amount of loan overadvanced on each day thereafter shall be surcharged an additional 1/30 of 1% per day until such time as no overadvance exists C. In the event of our breach of this Agreement or the circumstance of any Event of Default as defined in Paragraph 16, we agree that the rate of interest which has accrued up to charged as in Paragraph 4 A. shall be increased by 12% per annum as of the date of the CRC statement occurrence of such Event of Default, until such time as no Event of Default exists. D. Your charges are to be computed monthly and paid by the first of every month, and if not so paid these charges may be charged to our account as an advance, and shall be specified in the CRC statementsubject to interest charges as provided herein. E. Each accounting rendered by you to us shall be deemed correct and binding unless we notify you in writing to the contrary within thirty (ii30) If days after the minimum payment specified date of each accounting rendered by you. F. In no event shall your interest computed herein exceed the maximum rate permitted by law: any amounts paid in any earlier CRC statement or such part excess of the CRC outstanding balance shown in such CRC statement or in any other statement from maximum permitted by law shall be returned to us on our demand and reasonable proof the charge exceeds the legal maximum. G. Not withstanding the foregoing, we agree to pay minimum monthly interest of one half of one percent of the maximum aggregate line of credit per month. H. We shall pay to you relating to additional credit granted pursuant to Clause 2(e) a "Misdirected Payment Fee' of this Agreement is not live 5% percent of the amount of any payment on account of an account receivable which has been received by us and not delivered in full on or before the payment date specified in such CRC statement or otherwise notified kind to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC application form) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC account including informing you that your CRC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC account is subsisting; (ii) a handling fee for any CRC cheque issued by you which is dishonoured for any reason whatsoever; (iii) a handling fee for any CRC cheque in respect of which you have given instructions to stop payment; (iv) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC account or sending you copies of past CRC statements upon your request) or any action taken by us in carrying out any instructions or requests received from you relating to the operation of your CRC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgment.

INTEREST AND CHARGES. (i) You shall pay interest, which shall accrue daily at the prevailing interest rate for CRC CUC accounts and for any additional credit granted pursuant to Clause 2(e) of this Agreement based on a 365-day/366-day year on the end-of-day outstanding debit balance each day, subject to a minimum charge of S$5.00 per month, from the transaction date until the date when full payment of the CRC CUC outstanding balance is received by us. Such interest shall be compounded monthly daily and we shall be entitled, in our reasonable discretion, to vary the minimum charge at any time and from time to time with reasonable notice and the same shall be conclusive and binding on you. The interest which has accrued up to the date of the CRC CUC statement shall be specified in the CRC CUC statement. (ii) If the minimum payment specified in any earlier CRC CUC statement or such part of the CRC CUC outstanding balance shown in such CRC CUC statement or in any other statement from us to you relating to additional credit granted pursuant to Clause 2(e) of this Agreement is not received by us in full on or before the payment date specified in such CRC CUC statement or otherwise notified to you, as the case may be, you shall pay a late payment charge determined by us and notified to you from time to time. (iii) You authorize us to contact you (using the details you provided in the CRC CUC application formform and\or as updated on our records from time to time) at any time via the telephone, electronic mail or by SMS provided by telecommunications providers, or such other means, to inform you of any matter relating to your CRC CUC account including informing you that your CRC CUC outstanding balance is past the relevant payment date. (b) You shall be liable to pay: (i) a non-refundable membership fee, payable annually in advance for each year or part thereof during which your CRC CUC account is subsisting; (ii) a termination fee equivalent to the membership fee if you terminate your CUC account within twelve (12) months from the approval of your CUC account.” (iii) a non-refundable one-time joining fee, payable upon the opening of your CUC account; (iv) a handling fee for any CRC CUC cheque issued by you which is dishonoured for any reason whatsoever; (iiiv) a handling fee for any CRC CUC cheque in respect of which you have given instructions to stop payment;; and (ivvi) a service charge or administrative fee, for any service provided by us (including without limitation, maintaining your inactive CRC CUC account or sending you copies of past CRC CUC statements upon your request) or any action taken by us in carrying out any of your instructions or requests received from you relating to the operation of your CRC CUC account, whether such services or actions are referred to or contemplated in this Agreement or otherwise; (v) an overlimit fee if the current balance on your CRC account exceeds your credit limit; and (vi) service fee of S$10.70 (inclusive of GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches. (c) We shall be entitled, in our reasonable discretion, to vary or determine, from time to time, the amounts, rates, types and/or basis of calculation of all interest, fees and charges payable by you under this Agreement with reasonable notice and the same may be debited from your CRC CUC account or shall be payable by you upon demand or at such time as we may deem fit. For the avoidance of doubt and without limiting the generality of the foregoing, you agree that we shall be entitled to increase the interest rate, at such times, for such periods and to such rates as we deem fit with reasonable notice to you, on the outstanding balance if you fail to make payment by the relevant payment date. (d) All interest and charges shall be payable by you before and after judgmentjudgement.