Dear Valued Corporate Customers,

In line with Singapore’s Smart Nation vision to be cheque-free, we will be implementing the following SGD cheque related changes from 3 July 2023.

• Implementation of SGD Cheque Deposit Fee of SGD 0.75/cheque
• Implementation of SGD Cheque Book Issuance Fee of SGD 25/cheque book for:
  • Newly opened Business Growth Account, Business Entrepreneur Account Plus and Business Foreign Account accounts (from first cheque book onwards)
  • Existing Business Entrepreneur Account Plus and Business Foreign Account accounts (for subsequent cheque books)
• Cessation of auto cheque book issuance for newly opened Business Growth Account, Business Entrepreneur Account Plus and Business Foreign Account accounts. Customers may request for cheque book by contacting our Business Banking Service Managers at +65 6538 1111, or submitting a Request for Corporate Cheque Book form.

Note: For existing Business Growth Account, Business Entrepreneur Account Plus and Business Foreign Account accounts, subsequent cheque book will be auto issued when your existing cheque book is about to be used up and is chargeable at SGD 25/cheque book. If you would like to cease auto cheque book issuance for your existing accounts, please contact your Relationship Managers or our Business Banking Service Managers at +65 6538 1111 before 3 July 2023. Otherwise, you are deemed to have consented to auto-issuance of subsequent cheque books at a charge of SGD 25/cheque book.

We encourage you to adopt electronic payment methods such as GIRO, FAST and Paynow.

Please also note that we will be amending our pricing guides to reflect the above changes.

• Business Banking Pricing Guide
• Corporate & Institutional Banking Pricing Guide
• Foreign Business Account Pricing Guide

Dear Valued Corporate Customer,

As part of the Bank’s effort to go paperless, you can now download your
e-Statement from Velocity. We will stop sending hardcopy month end account
statements to clients on Standard and Classic Velocity Service Packages after the
May 2023 month end statement. To learn more about corporate eStatement, please
visit: www.ocbc.com/business-banking/help-and-support/account-details/e-statements

Dear Valued Corporate Customer,

With the closure of the Esso petrol station at 3551 Ang Mo Kio Ave 3, our Offsite Quick Cheque Deposit service will be discontinued.

The last collection of cheques will be on 30 May 2023 at 3:30pm.

Your cheque deposit and other banking needs will continue to be served by the nearest full-service branch at:

Ang Mo Kio Central Branch

53 Ang Mo Kio Ave 3

#B1-32/33 AMK Hub

Singapore 569933

We apologise for any inconvenience caused and appreciate your kind understanding.

Dear Valued Corporate Customer,

The OCBC Business Account Terms and Conditions will be amended with effect from 1 April 2023.

The amendments can be found in Section A: General Terms and Conditions:

• New Clauses 9.8A, 10.4A, 15.25
• Amended Clauses 10.8, 14.1, 15.12

Section C: Definitions and Interpretation:

• Amended Clauses 1.1

Singapore Local Addendum:

• Removed Clauses 5.8 to 5.10
• Amended Clauses 6.1

Singapore Product Addendum:

• Amended Clauses 1.2, 15.1
• New Clauses 14.0 – 14.9

The revised version of the OCBC Business Account Terms and Conditions will be available on https://www.ocbc.com/iwov-resources/sg/ocbc/business/PDF/business_account_terms_and_conditions_effective1april23.pdf from 1 March 2023.

Thank you for banking with us.

Dear Valued Customers,

In the Singapore Budget 2022, the Minister for Finance announced that the GST rate will be increased from:

1. 7% to 8% with effect from 1 January 2023; and
2. 8% to 9% with effective 1 January 2024.

Please refer to the table below which sets out the existing and new fees and charges, for 3 of our products and services which are affected by these changes:

Please also note that we will be amending the following documents to reflect the new fees and charges which are set out in the table above:

• Business Banking Pricing Guide
• Corporate & Institutional Banking Pricing Guide
• Foreign Business Account Pricing Guide

 For more information on the GST rate increase, please refer to IRAS’s website (https://www.iras.gov.sg).

¹This includes the use of OCBC’s electronic services (including electronic banking channels and/or platforms) from the sanctioned countries and territories.

Dear Valued Corporate Customers,

Effective 1 November 2022, there will be revisions to the Terms and Conditions Governing OCBC Business Debit Card Rebates Programme (“The Programme”).

Under The Programme, cardholders will now enjoy up to 1% rebate on their everyday business spend:

1. 0.2% base rebate on all Base Transactions; and
2. 0.8% bonus rebate on Business Travel, E-commerce Business and E-commerce Retail transactions, in addition to the 0.2% base rebate.

For a revised copy of the Terms and Conditions Governing OCBC Business Debit Card Rebates Programme, visit the OCBC website > Business Banking > SMEs > Transactions > Transfers in Singapore dollars > Scroll down to Business Debit Card.

If you require more information, please contact our hotline at 1800 363 3333.

Thank you for banking with OCBC.

Dear Valued Corporate Customers,

With effect from 1 November 2022, there will be a revision to the service charge for CHF and EUR Business Accounts.

Service charge will be calculated on daily basis and is subject to periodic revision based on market conditions.

Thank you for banking with us.

Dear Valued Corporate Customers,

With effect from 1 November 2022, there will be a revision to the monthly service charge for Business Growth Account as follows:

Thank you for banking with us.

Dear Express Bulk Cash Deposit Customers,

We are revising the daily cut-off time for the deliverance of security bags with effect from 15 August 2022.

We apologise for any inconvenience caused and appreciate your kind understanding.

Dear Valued Corporate Customers,

With effect from 1 August 2022, there will be a revision to the monthly account fee and monthly service charge for Business Foreign Accounts – SGD Chequing Account and Multi-Currency Business Account as follows:

Visit https://www.ocbc.com/business-banking/help-and-support/accounts-and-services/business-foreign-accounts-pricing-guide for more information.

Thank you for banking with us.

With effect from 15 May 2022, there will be a change in service fee charged for cash withdrawal performed at non-OCBC ATMs in Malaysia. For cash withdrawals performed in Malaysia using OCBC Corporate ATM Card and Business Debit Card, below fees will apply:

^Foreign currency transactions are converted to local currency based on the rate determined by the respective card associations. Cost incurred by the Bank due to this currency conversion, together with the administrative fee, will be debited to your account as part of the foreign currency transaction.

The change in service fee for cash withdrawal performed at non-OCBC ATMs in Malaysia is due to the discontinuation of MEPS-NETS service. More details on the discontinuation of the MEPS-NETS service are available at https://www.ocbc.com/personal-banking/help-and-support/atms/general#meps-discontinuation-wef15may22.

Thank you for banking with OCBC.

With effect from 3 March 2022, we will be implementing written policies and procedures in respect of our placement and/or execution of customers’ orders on the best available terms (commonly referred to as “Best Execution”). For more details, please refer to the “Best Execution Policy” document that will be made available on https://www.ocbc.com/group/policies.

Dear Valued Corporate Customer,

With effect from 1 January 2022, the OCBC Business Account Terms and Conditions will be amended.

The amendments can be found in the Singapore Product Addendum:

• New Clauses 11.14 to 11.16

The revised version of the OCBC Business Account Terms and Conditions will be available on https://www.ocbc.com/iwov-resources/sg/ocbc/business/pdf/business_account_terms_and_conditions.pdf from 1 December 2021.

Thank you for banking with us.

Dear Valued Corporate Customer, 

With effect from 8 November 2021, there will be revisions to the OCBC Business Account Terms and Conditions.

The revisions can be found in the Singapore Product Addendum: 

• New Clause 12

The revised version of the OCBC Business Account Terms and Conditions will be available on https://www.ocbc.com/iwov-resources/sg/ocbc/business/pdf/business_account_terms_and_conditions.pdf from 8 November 2021.

Thank you for banking with us.

Digital Business Dashboard Frequently Asked Questions

If you have registered and been using the Digital Business Dashboard before 29th November 2021, please take note of the following.

GENERAL

1. What has changed?

The Digital Business Dashboard will no longer be available effective from 29th November 2021. Consequently, from 29th November 2021, you will no longer be able to access the Digital Business Dashboard through the display link from Velocity that is current found on the top right-hand corner as depicted below.

2. Is there any impact to my data that was previously reflected on the Digital Business Dashboard?

No. The Digital Business Dashboard is a dashboard that draws data from the online business applications provided by your relevant service providers that you already use and have.

Your respective metrics (Tiles) data from your respective online business applications will not be affected. You can still access the data from your respective applications.

3. What will happen to the other apps that I have purchased online previously?

The subscriptions for the other third party applications and services you may have connected or purchased through the Digital Business Dashboard will still be active and unaffected. You may still be able to login directly through the respective platforms and/or applications provided by the relevant third party service providers.

4. Is there any cost to me now that the Digital Business Dashboard is no longer available?

No. The Digital Business Dashboard was provided free of charge, and there is similarly no charge now that the dashboard is no longer available.

5. What happens to my data previously displayed on the Digital Business Dashboard?

The data that is generated, collected and/ or processed by the online business applications provided by the relevant third-party service providers (as made available through Digital Business Dashboard) will continue to be stored and processed by them, in accordance with their relevant terms and conditions and privacy policies. Please refer to them directly for more details.

Your banking data (including without limitation, data relating to your accounts and the services and/or products provided by OCBC to you) will only be retained on the Digital Business Dashboard for a limited duration to ensure a smooth transition before it is deleted and removed from the Digital Business Dashboard. Your banking data will continue to remain available in Velocity.

6. Do I need to terminate the connections from my existing apps to the business dashboard?

No. There is no action required on your end and you would still be able to access your respective online business applications from the platforms and/or applications provided by the relevant third party service providers.

With effect from 4 December 2021, our business banking desk at OCBC Centre branch is available from Monday to Friday, 9.00am to 4.30pm. We are closed on Saturday, Sunday and Public Holidays.

OCBC Centre Branch
65 Chulia Street #01-01
OCBC Centre
Singapore 049513

Our business account opening service remains available online 24/7. Simply scan on the QR code or search for ‘OCBC Business Account’.

For other enquires, visit https://www.ocbc.com/business-banking or contact our Business Banking Service Managers at +65 6538 1111, from Monday to Friday, 8am to 8pm.

Dear Valued Corporate Customers,

Kindly note that we will be revising the Service Fee to Service Charge in our pricing guide.

In addition, the Service Charge for CHF, EUR and JPY Business Accounts will be computed based on daily balance instead of monthly average balance. There are no changes to existing threshold or interest rates.

^*Service charge will be calculated on daily basis, and is subject to periodic revision based on market conditions.

Thank you for banking with us.

We wish to inform you that Toa Payoh Central Business Banking Desk will be permanently closed from 1 June 2021.

To open a new business account, simply apply online.

Our Business Banking Desk services are available at:

OCBC Centre Branch

65 Chulia Street #01-01
OCBC Centre
Singapore 049513

Operating Hours
Mon-Fri: 9.00am to 4.30pm
Sat: 9.00am to 11.30am
Sundays and Public Holidays: Closed

Please contact our Business Banking Service Managers at +65 6538 1111 if you have further queries. Our hotline is open from Mondays to Fridays, 8am to 8pm.

Thank you.

Dear Valued Corporate Customer,

Effective 1 May 2021, we will be revising the terms and conditions for trade finance applications.

Please download the latest application forms with the revised terms and conditions from https://www.ocbc.com/business-banking/help-and-support/trade, starting 1 May 2021.

Do note that old application forms will no longer be accepted after 30 June 2021.

Please contact our Trade Finance service staff through the Trade Hotline at (65) 6318 7777 if you have further queries.

Thank you for banking with us. We look forward to your continued support.

Dear Valued Corporate Customers,

Effective 1 April 2021, there will be revisions to the Terms and Conditions Governing OCBC Business
Debit Card Rebates Programme (“The Programme”). The revisions are as follows:

Under Clause 3: Other Conditions

The revised copy of the Terms and Conditions Governing OCBC Business Debit Card Rebates
Programme (“The Programme”) can be found at bit.ly/BDCApr21.

If you require more information, please contact our hotline at
Thank you for banking with OCBC.

Dear Valued Corporate Customers,

With effect from 1 June 2021, the branch cable charge fee for Outward Remittance Telegraphic Transfer will be revised as follows:

Outward Remittances

Customers are encouraged to login to OCBC Velocity account to make Telegraphic Transfer transaction.

Please feel free to approach any of our branch staff if you need further assistance on this matter. Alternatively, you can contact our Business Banking Commercial Service Centre at +65 6538 1111.

Thank you for banking with us.

Dear Valued Corporate Customers,

Effective 1 April 2021, there will be revisions to the Terms and Conditions Governing OCBC Business Debit Card Rebates Programme (“The Programme”). The revisions are as follows:

Under Clause 3: Other Conditions

The revised copy of the Terms and Conditions Governing OCBC Business Debit Card Rebates Programme (“The Programme”) can be found at bit.ly/BDCApr21.

If you require more information, please contact our hotline at 1800 363 3333.

Thank you for banking with OCBC.

Dear Valued Customers,

We wish to inform you of the following revisions:

1. Discontinuation of Reusable Security Bags and Tags supplied by Envopak with immediate effect

   The Reusable Security Bags or Tags supplied by Envopak have been discontinued with immediate effect.

   You may order the new Reusable Security Bags or Tags supplied by Tydenbrooks any time by completing the Application Form for Express Bulk Cash or Cheque Deposit and submitting the form to your Relationship Manager or Business Banking Service Manager or your preferred OCBC branch for collection of bags.

   Do take note that the Security Tags supplied by Tydenbrooks cannot be used on the Security Bags supplied by Envopak. The purchase of the new Reusable Security Bags or Tags is required for your continued use of Express Bulk Cash or Cheque Deposit service.

2. Revision of price for the purchase of OCBC Reusable Security Bag effective 1 March 2021

   Product Description	Current Price	Revised Price (Inclusive of GST)
   OCBC Reusable Security Bag Size: 305mm(W)x 405mm(L)x75mm(H) Code: TNS001	$53.00	$56.00

   Thank you for your continued support.

Dear Valued Customers,We wish to inform you that our Business Banking Desks will be closing at 3pm on 29 January 2021(Friday) for a company event.

OCBC Centre Branch’s Desk will resume the next day on 30 January 2021 (Saturday).

Please contact our Business Banking Service Managers at +65 6538 1111 if you have further queries.

Thank you for your continued support.

We wish to inform you that the last day of operations for Ubi Business Banking Centre will be on 30 October 2020 at 5.30pm.

You may visit our nearest branch, OCBC Paya Lebar Square branch, located at 60 Paya Lebar Road, #01-45, Singapore 409051, for your banking needs. Alternatively, our counter services are also available at all OCBC branches. Please see our branch locator for a list of our branches.

For business account opening service, please visit any of our Business Banking Desks below. Alternatively, our online business account opening service is available 24/7.

Please contact our Business Banking Service Managers at +65 6538 1111 if you have further queries.

Thank you for your continued support.

Dear Corporate Customers,

To reduce the need to handle physical cash or cheques especially during this difficult COVID-19 period, we encourage you to transact with us digitally on Velocity@ocbc (business internet banking) at www.ocbc.com/velocity to enjoy the benefits of digital payments and make payments to PayNow registered individual/business via NRIC, mobile number or UEN. Find out how to do so at www.ocbc.com/paynowpayments

We will be offering the promotion below.

Now we are:

• extending outgoing FAST/PayNow offer till 31 December 2020
• providing the number of free transactions to 50/month (Business Growth Account will continue to enjoy unlimited free FAST and GIRO transactions)

^* Rebates on FAST/PayNow outgoing transactions of S$0.50/per transaction will be credited to your account in the following month.

How can my company enjoy this promotion?

Terms and conditions

1. OCBC Bank reserves the right to vary these terms and conditions at any time at its absolute discretion without notice.
2. OCBC Bank’s decision on all matters relating to this promotion is final and binding.

Dear Valued Corporate Customers,

Effective 1 June 2020, there will be revisions to the Terms and Conditions Governing OCBC Business Debit Card Rebates Programme (“The Programme”). The revisions are:

The revised copy of the Terms and Conditions Governing OCBC Business Debit Card Rebates Programme (“The Programme”) can be found at https://bit.ly/2WrcOTf

If you require more information, please contact our hotline at 1800 363 3333.

Thank you for banking with OCBC.

• 1800 363 3333 for personal banking customers
• 1800 773 6437 for premier banking customers
• +65 6538 1111 for business banking customers

• New Clause 16A
• New Clause 27.5

• Revised Clause 2.3

• New Section E
• New definition of “PayNow” under Section B Clause 1

Dear Corporate Customers,

We wish to remind you that, from 1 October 2019, S$0.75 is applicable to every SGD cheque cleared. To further support the shift to cheque-free alternatives, we are offering the first 30 free FAST/PayNow outgoing transactions each month via Velocity@ocbc/Business Mobile Banking.

As part of the nationwide initiative to go chequeless, we urge you to appl for Velocity@ocbc (business internet banking) at www.ocbc.com/velocity to enjoy the benefits of digital payments.

You can save on cheque charges simply by making payments to PayNow registered individual/business via NRIC, mobile number or UEN instead. Find out more at www.ocbc.com/paynowpayments.

To help you get started on the digital journey, we are offering the promotion below:

How can my company enjoy this promotion?

Terms and conditions

1. OCBC Bank reserves the right to vary these terms and conditions at any time at its absolute discretion without notice.
2. OCBC Bank’s decision on all matters relating to this promotion is final and binding

Dear Valued Corporate Customers,

We wish to inform you that Bukit Batok Business Banking Centre will close at 5pm on 15 April 2019.

Submission of trade finance documents
The last submission of your trade finance documents at the Trade Document Deposit Box will be at 2:30pm on 15 April 2019. Any trade finance documents submitted via the Trade Document Deposit Box after this time will not be processed by the Bank.

Collection of trade finance documents
Please arrange to collect your trade finance documents by 5pm on 15 April 2019. Any uncollected trade finance documents will be returned to OCBC Tampines Centre 2.

Your submission / collection of trade finance documents will continue to be served at the following centres:

Please contact our Business Banking Service Managers at +65 6538 1111 if you have further queries.

Thank you for your continued support.

Dear Valued Corporate Customers,

We wish to inform you that from 1 October 2018, there will be changes to the interest rates for
the Foreign Currency Call Account.

The revised interest rates will be reflected on the Foreign Currency Call Account webpage from 1 October 2018.

Thank you for banking with OCBC.

• signature is not in accordance with signing condition
• signature differs or is incomplete
• second drawer's signature is missing

From 1 May 2017, we will be revising marked cheque fees to S$100 per cheque.

This will apply to marked cheques from both OCBC and other banks presented for funds to be credited on the same day.

These revised fees will be reflected in the business pricing guides and business foreign accounts pricing guide from 1 May 2017.

Please feel free to approach any of our branch staff if you need further assistance on this matter. Alternatively, you can contact our Business Banking Commercial Service Centre at +65 6538 1111.

Thank you for banking with us.

Dear Valued Corporate Customer,

From 4 April 2017, we will charge S$40 for SGD returned cheques issued from your SGD business accounts if:

• you did not countersign on cheque with alteration
• you did not state complete amount in words
• you did not state clear and correct amount in words and figures
• the words and figures do not match

Please issue your cheques correctly to avoid incurring this fee.

Please approach any of our branch staff if you have any further questions. Alternatively, you can contact our Business Banking Commercial Service Centre at +65 6538 1111.

We look forward to serving you.

Dear Valued Corporate Customer,

The courier charges for SGD and USD chequebooks will increase by $2 from 1 April 2017.

Notes:

Charges are for each delivery trip.

* Charge is only for the delivery of the cheque book. (exclude chequebook issuance fee of $25 which is only applicable for Business Growth Account)

1 Delivery on the next business day if request is received before 3.45pm on a business day.

2 Delivery is by 5pm, same business day if request is received before 10.45am on a business day

You can obtain the latest version of the request form from Business Banking FORMS page: http://www.ocbc.com/business-banking/Forms.html starting from 1 April 2017.

• under Category :Account Activities
• Corporate Cheque Book Request Form

Please approach any of our branch staff if you have any further questions. Alternatively, you can contact our Business Banking Commercial Service Centre at +65 6538 1111.

Dear Valued Corporate Customers,

From 1 January 2017, Easi-ProCheck service for SGD Business Accounts will be discontinued.

You can use one or more of these options to make payment from 1 January 2017:

• Standard cheque book;
• Self-printing cheques; or
• e-payment via Velocity@ocbc

If you have further queries, please call our Business Banking Commercial Service Centre at +65 6538 1111.

We look forward to your continuing support.

Dear Valued Corporate Customers,

In line with the new Common Reporting Standard (CRS) Policy, there will be revisions to
the OCBC Business Account Terms and Conditions.

With effect from 5 December 2016, the existing Clause 40 under Section A: General
Terms and Conditions will be expanded to include reference to the CRS Policy:

40. FATCA and CRS Policies

The Bank’s Foreign Account Tax Compliance Act (FATCA) Policy (the “FATCA
Policy”) and the Bank's Common Reporting Standard (CRS) Policy (the "CRS
Policy") form part of the terms and conditions governing the Customer’s
relationship with the Bank established under these Terms and Conditions. The
FATCA Policy and the CRS Policy shall be binding on the Customer and the
Customer agrees to comply with and adhere to the FATCA Policy and the CRS
Policy, which are accessible at www.ocbc.com/business-policies or available on
request. These Terms and Conditions are subject to the FATCA Policy and the
CRS Policy. Should there be any conflict or inconsistency between any of the
contents of the FATCA Policy and/or the CRS Policy and these Terms and
Conditions, the contents of the FATCA Policy and/or the CRS Policy (as applicable)
shall prevail.

Starting 5 December 2016, you can:

• download the latest copy of the OCBC Business Account Terms and Conditions
  from www.ocbc.com/business-banking/Forms.html
  
  
• access the full set of policy at www.ocbc.com/business-policies

The Hongkong and Shanghai Banking Corporation Limited, Singapore Branch (“HSBC Singapore Branch”) is incorporating its Retail Banking and Wealth Management business locally in Singapore (the “RBWM Business”).

This involves transferring of HSBC’s RBWM Business, currently under the current HSBC Singapore Branch to a locally incorporated subsidiary, HSBC Bank (Singapore) Limited (the “Subsidiary”).

More information about the local incorporation can be found at www.hsbc.com.sg/retailbank.

What you need to know

From 9 May 2016, the two entities – HSBC Singapore Branch and HSBC Bank (Singapore) Limited - will have separate legal names and SWIFT Bank Identifier Codes. These will be applicable if you wish to make funds transfers to HSBC retail (personal) accounts and HSBC corporate accounts:

What you need to do

Before making payment to or collecting funds from a HSBC account from 9 May 2016, ask your payee/beneficiary or payer/customer if their account is a personal or corporate one.

For Fast and Secure Transfer (FAST) transactions

From 9 May 2016, you will need to take note of and select the correct HSBC bank name – either HSBC (Personal) or HSBC (Corporate) - from the bank dropdown list selection in
Velocity@ocbc (excluding TT) when you make any FAST payment or collect funds via FAST using manual entry/template/favourite beneficiary list or upload file functions.

On FAST Payment page in Velocity@ocbc

Ensure you select the correct HSBC bank name under Payee Bank:

HSBC Personal Account > select HSBC (Personal)
HSBC Corporate Account > select HSBC (Corporate)



On FAST Payroll page in Velocity@ocbc

Ensure you select the correct HSBC bank name under Employee Bank:

HSBC Personal Account > select HSBC (Personal)
HSBC Corporate Account > select HSBC (Corporate)



On FAST Management Payroll page in Velocity@ocbc

Ensure you select the correct HSBC bank name under Employee Bank:

HSBC Personal Account > select HSBC (Personal)
HSBC Corporate Account > select HSBC (Corporate)



On FAST Collection page in Velocity@ocbc

Ensure you select the correct HSBC bank name under Payer Bank:

HSBC Personal Account > select HSBC (Personal)
HSBC Corporate Account > select HSBC (Corporate)



On Upload file page in Velocity@ocbc

Before you upload FAST payment or collection transaction instructions, ensure your OCBC
file format is updated with the new HSBC banking information:

For new file format (GIROFASTWITHINV), please key in the correct ‘Bank Code’ (BIC):
> HSBC Personal Account : HSBCSGS2XXX
> HSBC Corporate Account : HSBCSGSGXXX

For all other file formats, please key in the correct ‘Bank Name’:
> HSBC Personal Account : 9548
> HSBC Corporate Account : 7232

Note: There is no difference in the account concatenation logic for HSBC.



For Inter-Bank GIRO, MAS Electronic Payment System (MEPS) and Telegraphic
Transfers (TT) transactions

> No action is required from you at this point. You may continue to use the existing bank
identifier code/name. HSBC will change the bank name if your payee has a HSBC
personal account.

> We will advise you of the action required once HSBC provide us with the update.

> If you wish, you may proceed to update your templates, favourite beneficiary list, manual
entry or file upload transactions with the correct bank identifier code /name (whichever is
relevant) of your payees if they have a HSBC retail account.

> For more information, please refer to the appended Frequently Asked Questions.

Frequently Asked Questions

1. What type of HSBC accounts are affected by this HSBC local incorporation?
Only HSBC retail (personal) accounts are affected by this change. There is no change in
the banking information for HSBC corporate accounts.

2. What are the payment types affected by this HSBC local incorporation?
Payments / Funds transfer via Fast and Secure Transfer (“FAST”), inter-bank GIRO,
MAS Electronic Payment System (“MEPS”) and Telegraphic Transfers are affected.

3. When do I need to start using the new set of HSBC bank identifier code/name for
HSBC retail (personal) accounts?
You MUST use the new bank identifier code/name for HSBC retail (personal) account
for FAST payments and collections from 9 May 2016, else your transactions will fail.
For the other payment types, you may continue to use the existing HSBC bank identifier
code/name until further notice as HSBC will change the banking information for you.

4. Am I able to differentiate between a HSBC retail (personal) account and a HSBC
corporate account?
There is no way to differentiate between a HSBC retail (personal) account and a HSBC
corporate account simply from the account number or beneficiary name. You are advised
to check with your payer/payee if their HSBC account is a corporate or a retail (personal)
account.

5. What if I am using both GIRO and FAST Collection to collect bills from my
customers who have a HSBC retail (personal) account?
From 9 May 2016 onwards, you MUST use the new bank identifier code/name for FAST
Collection. However, for GIRO Collection, you may continue to use the existing bank
identifier code as HSBC will change the banking information for you.

6. What if I require more information regarding the HSBC local incorporation?
More information about the local incorporation can be found at
www.hsbc.com.sg/retailbank

7. What should I do if I have previously set-up FAST payment or collection templates
or favourite beneficiary list to pay/collect from a HSBC retail (personal) account?
Please refer to For Fast and Secure Transfer (FAST) transactions section on page 2.

8. When can I start to do this amendment?
You may start to do the amendment from 9 May 2016.

9. When will I see the new banking information in the bank dropdown list in
Velocity@ocbc?
You will see the new banking information for HSBC from 9 May 2016.

Dear Valued Corporate Customer,

Please call our Business Banking Commercial Service Centre at (65) 6538 1111 if you have further queries.

Dear Valued Customer,

We wish to inform you that the following branches will not offer Business Account Opening Services with effect from 1 March 2016:

Please call 6538 1111 if you need further assistance.

We sincerely apologize for any inconvenience caused.

• Do not provide authorisation for transactions that you did not initiate or request
• Do not open suspicious attachments in emails received, even if they are from senders
  you know. These attachments may appear in the form of invoices or other accounting documents.

How Tinba Works

1) Your machine/device can be infected by simply clicking on links provided in emails or visiting
infected websites.

2) Once infected, an unusual message (like the one shown below) may also be displayed on the
victim’s machine while fraudulent activity is carried out in the background:

How to avoid becoming a victim

• Ensure your machine/device’s operating system, Internet browsers¹
  and plugin/extensions are all up-to-date
  
  
• Ensure your machine/device’s operating system is enabled to support Transport Layer
  Security (TLS) 1.2 and above under ‘Internet Options’ > ‘Advanced’ tab > ‘Security’
  
• Be on the alert for any irregularities during your internet banking session (e.g. banking
  website redirecting to third party website offering hotline number, altered login flow
  and unsolicited requests for tokens)
  
  
• Pay attention to the URL of a website. Be aware of malicious websites as they may look
  identical to a legitimate site, but the URL is different (e.g., “.com” vs “.net”). A legitimate
  OCBC website will end with “.com” instead of “.net”. Eg. Velocity@ocbc login page:
  https://velocity.ocbc.com.
  
  ¹ For Internet Explorer, you are advised to use IE11 as Microsoft is no longer providing security patches for IE10 and below.
  
  
• Avoid surfing unfamiliar and unsecured websites. An example of an unsecured website URL
  starts with “http” as opposed to a secured website URL starting with “https”. Eg.
  Velocity@ocbc login page: https://velocity.ocbc.com.
• We recommend that you install and maintain the latest anti-virus software (eg. McAfee,
  Norton Anti-virus). Ideally, do also install and maintain anti-malware software (eg.
  Malwarebytes), firewalls, and email filters. Run these applications on your devices regularly.
  
  
• Use different passwords, especially for your Velocity@ocbc login and email account, along
  with any other online accounts [eg. Subscription-based sites, online merchants, social media,
  etc]
  
  
• Make use of the anti-phishing features offered by your email client and web browser.
  Information about known phishing attacks is also available online at
  http://www.antiphishing.org.
  
  
• Review your email accounts and make sure emails containing attachments that are
  confidential in nature are deleted eg. copies of IDs, invoices, scanned forms with signatures,
  etc. These documents can be saved or archived to your computer hard disk for safekeeping.
  
  
• Do not reveal personal or financial information in email and do not respond to email
  solicitations for these types of information. This includes clicking on links included in emails.
  
  
• If you are unsure whether an email request is legitimate, verify it by contacting the company
  directly. Do not use contact information provided on a website connected to the request;
  instead, check previous statements for contact information.
  
  
• Be alert and watch out for unsolicited phone calls, visits, or email messages from individuals
  asking about employees or other information about your company. If an unknown individual
  claims to be from a legitimate organisation, verify his or her identity directly with the
  organisation. Do not provide any information unless you are certain that the person is
  authorised to have the information.

Dear Valued Customer,

We wish to inform you that the following branches will not offer Business Account Opening Services with effect from 1 December 2015:

Please call 6538 1111 if you need further assistance.

We sincerely apologize for any inconvenience caused.

Dear Valued Corporate Customer,

Effective 1 November 2015, the monthly service fee will be revised for CHF accounts (Business Call Account & Business Foreign Account – Call Account).

Dear Valued Corporate Customer,

Effective 1 August 2015, a fee of S$5 will be imposed for every Internal Funds Transfer request not performed through business internet banking.

The revision will be reflected in the business pricing guides and business foreign accounts pricing guide from 1 August 2015.

Please feel free to approach any of our branch staff if you need further assistance on this matter. Alternatively, you can contact our Business Banking Commercial Service Centre at (65) 6538 1111.

Velocity@ocbc (business internet banking) login page will be refreshed on 5 July 2015
to include a country selection drop-down list.

Current login page



New login page from 5 July 2015

1. Go to https://velocity.ocbc.com

2. Select “Singapore” under “Select your country” before keying in your login
credentials



3. Click on the ‘Bookmark this page’ hyperlink shown below to bookmark the new
Singapore login page for faster access in future



If you had earlier bookmarked the Velocity@ocbc login page and click on your
bookmark, you will be automatically taken to the Singapore login page (i.e. Singapore
will be selected for you under “Select your country”). Please log in as usual.

If you have any further queries, please call (65) 6538 1111 to speak to our Business
Banking Service Managers from 8:30am to 6:00pm, Monday to Friday (excluding public
holidays).

Thank you for banking with us.

Dear customers,

With the rapid increase in frequency of malicious software eg. Dridex, Dyre (Dyreza), we would
like to remind you to stay vigilant, exercise caution and adopt good online banking practices:

• Do not provide authorisation for transactions that you did not initiate or request
• Do not open suspicious attachments in emails received, even if they are from senders you know. These attachments may appear in the form of invoices or other accounting documents.

• Pay attention to the URL of a website. Be aware of malicious websites as they may look
  identical to a legitimate site, but the URL is different (e.g., “.com” vs “.net”). A legitimate
  OCBC website will end with “.com” instead of “.net”. Eg. Velocity@ocbc login page:
  https://velocity.ocbc.com.
  
  
• Avoid surfing unfamiliar and unsecured websites. An example of an unsecured website URL
  starts with “http” as opposed to a secured website URL starting with “https”. Eg.
  Velocity@ocbc login page: https://velocity.ocbc.com.
  
  
• We recommend that you install and maintain the latest anti-virus software (eg. McAfee,
  Norton Anti-virus). Ideally, do also install and maintain anti-malware software (eg.
  Malwarebytes), firewalls, and email filters. Run these applications on your devices regularly.
  
  
• Use different passwords, especially for your Velocity@ocbc login and email account, along
  with any other online accounts [eg. Subscription-based sites, online merchants, social media,
  etc]
  
  
• Make use of the anti-phishing features offered by your email client and web browser.
  Information about known phishing attacks is also available online at
  http://www.antiphishing.org.
• Review your email accounts and make sure emails containing attachments that are
  confidential in nature are deleted eg. copies of IDs, invoices, scanned forms with signatures,
  etc. These documents can be saved or archived to your computer hard disk for safekeeping.
  
  
• Do not reveal personal or financial information in email and do not respond to email
  solicitations for these types of information. This includes clicking on links included in emails.
  
  
• If you are unsure whether an email request is legitimate, verify it by contacting the company
  directly. Do not use contact information provided on a website connected to the request;
  instead, check previous statements for contact information.
  
  
• Be alert and watch out for unsolicited phone calls, visits, or email messages from individuals asking about employees or other information about your company. If an unknown individual claims to be from a legitimate organisation, verify his or her identity directly with the organisation. Do not provide any information unless you are certain that the person is authorised to have the information.

What to do if you think your machine/device has been infected

If you suspect that your machine/device has been infected by malicious software while on your
internet banking site, please DO NOT proceed with your online banking activities and follow
the steps below:

1. Cancel any suspicious-looking transactions in Velocity@ocbc.
2. Close the browser.
3. Ensure that your anti-virus/anti-malware software is up to date.
4. Run your anti-virus/anti-malware software and scan the files on all devices (eg. laptops,
desktops) that you use to access online banking. If your computer is not installed with an antivirus software or anti-malware, please install the latest version immediately and perform a
scan on your devices.
5. Change your password for Velocity@ocbc on a different device/PC immediately.
6. After the infected computer has been scanned and clean, restart and login to Velocity@ocbc.
You should not encounter the same bogus site again upon login if the malicious software has
been completely removed.
7. If you suspect that the malicious software has not been successfully removed, please do not
use the same computer for any online banking transactions and seek professional help to
remove the malicious software. Remember to run an anti-virus/anti-malware scan on an
alternative computer to make sure it is uninfected before performing any online banking
transaction.

We would like to assure you that our internet banking websites remain secure. As
malicious software are constantly evolving, we strongly recommend that payment makers
and authorisers always stay vigilant and verify the authenticity of all outgoing payment
instructions, on top of scanning all devices regularly.

At OCBC Bank, protecting your information is our priority. For more about online security and how
to protect yourself from fraud, please visit: www.ocbc.com/business-banking/policies.html.

If you have any further queries, please contact us from 8:30am to 6:00pm (Monday to Friday,
excluding public holidays) at 6922 3133 or, if abroad, at +65 6922 3133.

The upgrade of the Interbank GIRO infrastructure took place on 23 March 2015. Banks are no longer using branch codes to process GIRO transactions.

There will not be any impact to you as we will continue to accept all existing GIRO formats at Velocity@ocbc. You do not need to make any
changes to your file formats and file format mapping immediately.

Your existing Interbank GIRO arrangements on your OCBC account(s) will also remain unchanged.

For new Interbank GIRO arrangements with OCBC (from 23 March 2015), you will be required to enter the full bank account number (refer to example below):

1. Which day in March 2015 will this be effective?

   The upgrade took place on 23 March 2015.

2. When will I be required to enter the full bank account?

   You will be required to enter the full bank account number for GIRO transactions submitted from 23 March 2015.

3. What do you mean by the full account number?

   The full bank account number will include the branch code followed by the existing account number.

   For OCBC, HSBC and State Bank of India, you will need to include the branch code followed by the existing account number. Please see samples:

   	Current			Post Upgrade
   Bank Name	Bank Code	Branch Code	Account Number	SWIFT/BIC	Account Number
   OCBC	7339	501	1234567	OCBCSGSGXXX	5011234567
   			123456001		501123456001
   HSBC	7232	141	123456789	HSBCSGSGXXX	141123456789
   SBI	7791	227	12345678901	SBINSGSGXXX	27712345678901
   All other banks	After the upgrade, you do not need to include the Bank Code and Branch Code. Instead you will only need to include the SWIFT/BIC and the account number.

4. What is this upgrading about?

   The upgrading will consist of some key improvements:

   • Introduction of SWIFT Bank Identifier Code (BIC)
   • Omission of Bank Codes (replaced by BIC) and Branch Codes when processing GIRO transactions.
   • Expansion of account number field
     • You will be able to key in your full bank account number
     • Prior to this upgrading, your account number consisted of the branch code and account number
   • Provision of more payment information to identify your transaction

5. Do I need to remember a bank’s BIC for my GIRO transaction via Velocity@ocbc after the implementation?

   You are not required to memorise a bank’s BIC as we will allow you to select the name of the bank that you wish to transfer to.

   For file-upload submissions, there will not be any impact as we will continue to accept all existing GIRO formats on Velocity@ocbc.

   You do not need to make any changes to your file formats and file format mapping immediately.

6. How does this impact me after GIRO has been upgraded?

   Your existing interbank GIRO arrangements on your OCBC account(s) remain unchanged.

   For new interbank GIRO arrangements with OCBC (from 23 March 2015), you will be required to enter the full bank account number (10 or 12 digit).

Do’s and Don’ts for Billing Organisations

• Keep to the old format, including Bank and Branch code.
  
  
• Account number should be 7 or 9 digit
  
  

• Indicate the 10 or 12 digit full bank account number on the old form
  
  
  
  
• Leaving the “Branch code” blank on the old form
  
  

• Indicate full account number (10 or 12 digit)
  
  
• Indicate OCBC Swift BIC correctly
  
  

• Omitting Branch code and indicate only 7 or 9 digit account number
  
  
  
  
• Indicating the “Bank code” instead of the Bank’s SWIFT BIC
  
  

It has come to our attention that there have been individuals or parties purporting to represent Select Securities Limited and offering securities services to investors.

We would like to advise that while Select Securities Limited, registered in Hong Kong, is a subsidiary of OCBC Bank, it has not and does not  provide securities services in any form, including the facilitation of shares purchases, to individuals or companies. Select Securities Limited is an investment holding company of the Bank that has been dormant since 2012. We would like to further highlight that we are not the owners of a website http://www.sshkasia.com bearing the name of Select Securities Limited.

If you have had interactions with persons purporting to represent Select Securities Limited previously, you are strongly advised to seek your own legal advice immediately and also consider lodging a report with the relevant law enforcement agencies.

Should you encounter any person or company making representations on behalf of Select Securities Limited, please notify our Business Banking Commercial Service Centre at bizinteract@ocbc.com.

• download the latest copy of the OCBC Business Account Terms and Conditions
  from www.ocbc.com/business-banking/Forms.html
  
  
• access the full set of policy at www.ocbc.com/business-policies

An organisation that goes by the name of OCB Corporation has been representing itself as OCBC Bank in the United Kingdom, using high pressure sales tactics to try to persuade members of the public in UK to purchase certain investments that are recommended by them. Often the victims would be required to execute a Surety Bond in order to finalise the transaction. We would like to advise that OCB Corporation is in no way related to OCBC Bank.

OCBC Bank does not provide retail banking services to individual customers in the United Kingdom. OCBC Bank’s customer base in the United Kingdom comprises network corporate customers, large corporates, financial institutions and non-bank financial institutions operating in the country.

Should you be contacted in this regard, please report the matter to Action Fraud at 0300 123 2040 and notify our Business Banking Commercial Service Centre at bizinteract@ocbc.com.

With effect from 1 October 2014, we will be simplifying the fees and charges for Demand Draft application.

Please note that Agent Fees and Cable Charges will no longer be applicable.

The revised pricing applies to Singapore Dollar and Foreign Currency account withdrawals made to third party and same party including time deposits, savings, current and call accounts.

The revised pricing will be reflected in the personal, premier and business pricing guides from 1 October 2014.

For enquiries, please call:

• (65) 1800 363 3333 for personal customers
• (65) 1800 773 6437 for premier customers
• (65) 6538 1111 for business customers

Jurong Business Banking Centre will cease operations from 5pm on Friday, 27 June 2014.

A new Business Banking Centre located at Block 637, Bukit Batok Central #01-16, Singapore 650637 will start operations from Monday, 30 June 2014, 9.30am to 5pm.

Please be informed that with effect from 2 June 2014, we will no longer waive the first tracer and US dollar payment cable fee for our trade finance services. The reinstated tracer and US dollar payment cable fee will be charged at the standard tracer /cable fee of S$30.

The reinstatement applies to the following products:

If you have further queries, please approach our staff at the trade service counters or contact our Trade Finance service staff through the Trade Hotline at (65) 6318 7777.

Thank you for banking with us. We look forward to your continued support.

Please be informed that with effect from 1 April 2014, the Business Banking Centre at Jalan Besar Branch will be closed.

Effective 3 February 2014, we will be revising the incidental overdraft charge for Foreign Currency Business Accounts without limits to Prime Rate + 4% p.a. on the excess amount.

The minimum incidental overdraft charges for the following Foreign Currency Business Accounts will also be revised.

A copy of the latest Business Pricing Guide reflecting the above revision will be available on www.ocbc.com from 3 February 2014.

Please feel free to approach any of our branch staff if you need further assistance on this matter. Alternatively, you can contact our Business Banking Commercial Service Centre at (65) 6538 1111.

We look forward to serving you.

We do not have a staff by the name of “James Morris” nor do we offer Business Loans with interest rate of 2% and Load re-payment plan of 12 to 24 months. 

Should you receive any emails from addresses ‘ocbc@36913.com’ and ‘james.morris@ocbc-office.com’ please notify our Business Banking Commercial Service Centre at 6538 1111.

Effective 1 October 2013, we will be revising the minimum monthly average balance for the following Singapore Dollar Business Accounts and the applicable monthly service fee, if your account falls below the minimum monthly average balance.

Details of the revised balance and fee are as follows:

A copy of the latest Business Pricing Guide reflecting the above revisions (except for Business 8 Account) will be available on www.ocbc.com from 1 October 2013.

Please feel free to approach any of our branch staff if you need further assistance on this matter. Alternatively, you can contact our Business Banking Commercial Service Centre at (65) 6538 1111.

We look forward to serving you.

Dear Valued Corporate Customers,

For your added security, OCBC will send you an OTP when you make online purchases using your OCBC Business Debit Card, with effect from 1 July 2013.

OTP will be sent via SMS to your mobile phone. OTP may also be accessed via your existing OCBC personal internet banking hardware token.

To ensure timely delivery via SMS, your mobile phone number registered with us must be updated. If you have not updated your mobile phone number, please complete the Change of Address/Contact Details (Personal Account) form and mail it back to us. Alternatively, you may visit any of our OCBC branches.

Please click here to download the form.

If you require more information, please call us at (65) 6363 3333.

Thank you for banking with OCBC.

Dear Valued Customer,

Effective Friday, 14 June 2013 at 3:30pm, the OCBC Quick Cheque Deposit Service at Ang Mo Kio Caltex (3551 Ang Mo Kio Ave 3, Singapore 569927) will cease with the closure of the Caltex petrol station.

Your cheque deposit and other banking needs will continue to be served by the nearest full-service branch at:

Ang Mo Kio Central Branch
53 Ang Mo Kio Avenue 3
#B1-32/33 AMK Hub
Singapore 569933

Operating hours:
Monday - Sunday: 11.00am to 7.00pm

Alternatively, you may wish to deposit your cheques at other Quick Cheque Deposit boxes located in all our branches as well as selected petrol stations and industrial parks islandwide.

We are constantly looking into the needs of our customers and will explore the possibility of a replacement Quick Cheque Deposit box in the same vicinity. Updates on the new location will be provided as soon it’s available.

Please call our Business Banking Service Managers at (65) 6538 1111 if you have further queries.

We look forward to your continuing support.

Thank you.

1. Why is OCBC deactivating overseas ATM cash withdrawal feature?

   • This is part of the Bank’s continuous effort to safeguard your funds and enhance the security features of your cards. The overseas ATM cash withdrawal feature for all OCBC Corporate ATM Cards and OCBC Business Debit Cards will be deactivated from 11 May 2012, unless you have given instructions to us to activate this feature.

2. How do I activate the overseas ATM cash withdrawal feature?

   • For OCBC Corporate ATM Card, please visit any of our OCBC branches
   • For OCBC Business Debit Card, you can activate the feature via the following methods:
     1. SMS: ATM <space> Your NRIC or Passport Number <space> Last 4 digits of your card <space> activate to 72323 (applicable for local SMS only) (For example: ATM S1234567Y 8888 activate);
     2. SMS: ATM <space> Your NRIC or Passport Number <space> Last 4 digits of your card <space> activate to +65 9327 2323 (if you are overseas) (For example - ATM S1234567Y 8888 activate);
     3. Visit any of our OCBC branches; or
     4. Complete and mail in the Maintenance Form which is available on www.ocbc.com/bdc.

3. Is it possible to activate my overseas ATM cash withdrawal feature now and then deactivate later?

   • Yes, you can activate/deactivate the overseas ATM cash withdrawal feature for your card at any time. For activation steps, please refer to Question 2 above. Below are the steps for deactivation:
     1. SMS: ATM <space> Your NRIC or Passport Number <space> Last 4 digits of your card <space> deactivate to 72323 (applicable for local SMS only) (For example - ATM S1234567Y 8888 deactivate);
     2. SMS: ATM <space>Your NRIC or Passport Number <space> Last 4 digits of your card <space> deactivate to +65 9327 2323 (if you are overseas) (For example - ATM S1234567Y 8888 deactivate);
     3. Call our hotline at 1800 363 3333 or +65 6363 3333 (if you are overseas);
     4. Visit any of our OCBC branches; or
     5. Complete and mail in the Maintenance Form which is available on www.ocbc.com/bdc.

4. Will the deactivation of overseas ATM cash withdrawal feature affect overseas purchases made using my OCBC Business Debit Card?

   • No, you can still use your OCBC Business Debit Card to sign for overseas purchases.

Dear customers,

We would like to bring to your attention that there have been recent reports of new malware attacks on internet banking websites. The malware is designed to steal customers’ login and authorisation information such as User Name, Password, Organisation ID and One-TimePassword or Security Code. It may also disable anti-virus protection and take over the control of your infected computer.

If your computer is infected by the malware, these are some possible ways the malware will attempt to steal your login and authorisation information:

• you may receive multiple prompts for login information even when your login information has been entered
• you may be asked to enter login information on only one page. Eg. the fraudulent screen will ask for your User Name, Password, Organisation ID and One-Time-Password or Security Code all on a single page to gain access to your information faster. The normal login process is done over two pages. The legitimate OCBC website asks only for your User Name, Password and Organisation ID on the first page and your Security Code on the second page.
• you may also be re-directed to a bogus site where your login information would be stolen
• you may be prompted to enter the One-Time-Password or Security Code from your hardware token even if you did not perform any online transactions from your account.

We would like to assure you that our internet banking websites remain secure. You are reminded to stay vigilant when banking online. The following are five tips that you can take note of to protect your computer from being infected with such malware:

• Install anti-virus software in your computer, ensure regular updates with the latest virus signatures and scan your computer regularly.
• Always type in the URL (https://bb.ocbc.com) manually and verify the internet banking website before providing your login information.
• Do not enter any Security Code for transactions that you did not initiate or request.
• Avoid visiting unknown and unsecured websites.
• Do not open unknown or suspicious attachments, even if they are from senders you know.

At OCBC Bank, protecting your information has always been our priority. To learn more about online security and tips on protecting yourself from fraud, please visit: http://www.ocbc.com/business-banking/security-privacy.html

The following is the legitimate Velocity@ocbc login page

Example of an image of a bogus site that you may be re-directed to if your computer is infected:

If you experience the above while on your internet banking site, please DO NOT proceed with your online banking activities and follow the steps below:

1. Close the browser.
2. Ensure that your anti-virus software is up to date.
3. Run your anti-virus software and scan your entire computer’s files.
4. If your computer is not installed with an anti-virus software, please install with an up to date version immediately and perform a scan on your computer.
5. Perform an Operating System update, for:
   • Windows – Launch Browser > Tools > Windows Update
   • Macintosh – Click on Apple Icon (top left) > Software Update
6. Restart your computer and login to Velocity@ocbc again. You should not encounter the same bogus site again if the malware is completely removed.
   Change your password immediately in Velocity@ocbc before proceeding to perform your internet banking transactions.
7. If you suspect that the malware is not successfully removed, please refrain from using the same computer for any internet banking transactions. Login to Velocity@ocbc using another non-infected computer to change your password.
   Note: Authorisers are advised to call the Bank to reset their password.

For clarification, please contact us at 6538 1111 (or +65 6538 1111 if calling from overseas).

From 1 March 2013, we will be revising the monthly eAlerts@ocbc monthly service fee:

Please call our Business Banking Service Managers at (65) 6538 1111 if you have further queries.

We look forward to your continuing support.

Thank you.