finatiQ, a division of Bank of Singapore Limited, may at its sole and absolute discretion, provide fixed deposit services to the person (the "Customer") desirous of placing such fixed deposits with finatiQ (each a "Fixed Deposit"). finatiQ may from time to time agree with the Customer to transfer funds from the Customer's Investment Account into a Fixed Deposit subject to these terms and conditions. These terms and conditions are in addition to any other terms and conditions which may be imposed by finatiQ's website ("finatiq.com"), including the Investment Account Terms and Conditions and the Access Terms and Conditions, which shall be deemed incorporated and applicable to any Fixed Deposit to the extent not expressly inconsistent with these terms and conditions. These terms and conditions are in addition to any other terms and conditions which may be imposed by finatiQ's website ("finatiq.com"), including the Investment Account Terms and Conditions and the Access Terms and Conditions, which shall be deemed incorporated and applicable to any Fixed Deposit to the extent not expressly inconsistent with these terms and conditions.

Any application for the placement of a Fixed Deposit may be made by completing a relevant application on the form prescribed by finatiQ either physically at finatiQ's offices or through electronic means made available on finatiq.com or in such other manner as finatiQ may make available to the Customer for the purposes of placement of Fixed Deposits.

finatiQ reserves the right to reject any application for a Fixed Deposit without having to give any reason therefore, and (without prejudice to the foregoing) further and/or alternatively reserves the right to impose specific additional terms, conditions or requirements (including terms on minimum or maximum deposit size and on cut-off times for receipt of applications), before a Fixed Deposit is accepted. If a Fixed Deposit is accepted, finatiQ may confirm such Fixed Deposit by such means as finatiQ deems fit. Any application shall be deemed accepted once finatiQ has effected the relevant funds transfer for the Fixed Deposit. No receipt will be issued for any Fixed Deposit.

Interest on any Fixed Deposit is due and payable only on maturity date. Any interest accruing but not yet due or payable on any Fixed Deposit may be credited in to the interest so credited if the Fixed Deposit is withdrawn before maturity date.

Any Fixed Deposit may not be transferred or assigned. The Customer shall not assign, transfer, charge, create any security or other interest in, or create, constitute or declare or permit to subsist any trust of, or dispose of or purport to do the same in respect of the Fixed Deposit or any part thereof or any interest therein without the consent of finatiQ.

Withdrawals shall be made only on maturity. finatiQ may at its discretion allow premature withdrawals of Fixed Deposits, subject to the imposition of such fee or additional charges as finatiQ's pricing guide from time to time. Partial withdrawals are not permitted. Any instructions relating to any withdrawal of any Fixed Deposit shall be on such form as finatiQ may prescribe in its sole and absolute discretion.

7A. In the event that finatiQ decides in its absolute discretion to discontinue the provision of the service(s) governed by these terms and conditions permanently, finatiQ shall give written notice of such discontinuation to the Customer. Such discontinuation shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of notice.

These terms and conditions, all Fixed Deposits, the interest thereon, charges and other matters relating thereto shall be governed by the laws of Singapore and the Customer hereby irrevocably submits to the non-exclusive jurisdiction of the Courts of Singapore.A person who is not a party to these terms and conditions has no right under the Contracts (Right of Third Parties) Act 2001 to enforce any of these terms of these terms and conditions.

finatiQ may at any time at its absolute discretion and upon written notice to the Customer, add to, alter, change or modify any one or more of these terms and conditions. Such change(s) shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice.

9A. finatiQ may at any time at its absolute discretion and upon written notice to the Customer, change the prevailing rate and/or amount of any charges or fees payable by the Customer as stated in finatiQ's pricing guide. Such change(s) shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice.

9B. If the Customer does not accept such change(s), the Customer shall forthwith discontinue oeprating the Fixed Deposit/use of the service(s) governed by these terms and conditions and instruct finatiQ to close the Fixed Deposit/terminate the service(s). Where the Customer continues to operate the Fixed Deposit/use the service(s) after such notification, the Customer shall be deemed to have agreed with and accepted such change(s).

9C. finatiQ may notify the Customer of any changes to these terms and conditions by:-

(i) publishing such changes in the monthly statement of account relating to the Investment Account to be sent to the Customer;

(ii) displaying such changes at finatiQ's premises;

(iii) posting such changes on finatiq.com;

(iv) electronic mail or letter;

(v) publishing such changes in any newspapers; or

(vi) such other means of communication as finatiQ may determine in its absolute discretion.