Kite Card Program (Powered by DCS DeCard)

Updated as at 2 February 2026

DCS Kite Card Terms & Conditions

This document sets out the general terms and conditions governing the Card issued by us to you from time to time (the "Terms" or "terms and conditions"). Please read them carefully before you sign up for or use the Card(s). Upon signing up for or using the Card(s), you will be bound by the terms and conditions set out herein.

DEFINITIONS

Unless the context requires otherwise, the following words and expressions shall bear the following meaning:

"Available Amount" means the amount reflected in the D-Vault as being the remaining amount under the Credit Limit provided by us to you minus all outstanding Liabilities, that may be used to authorise Card Transactions on the Card.

"Billing Cycle" has the meaning given to it in Clause 6.1.

"Business Day" means a day, other than Saturday, Sunday and gazetted public holidays, on which banks are open for business generally in (i) the place where any relevant Services are to be performed; or (ii) the place where any relevant payment is to be received.

"Card" means the DCS Kite Card and as context requires any numbers or details that allow use of the card without it being presented and any numbers or details that we provide instead of a physical card and includes any card issued in replacement or renewal thereof.

"Card Account" means any account in respect of the Card maintained in accordance with these Terms.

"Card Management Interface" means the DeCard App, the Website and any other mobile application, website, web portal or other electronic platform made available by us, or by or through any Channel Partner and approved by us, for the purposes of marketing, applying for, accessing, administering or managing the Card and/or any related services (including the D-Vault).

"Card Transaction(s)" means any retail transaction(s) (whether in Singapore or overseas) successfully carried out on and charged to the Card Account by the Cardmember, and which is successfully captured or posted on DCS's systems.

"Card Transaction History" refers to the list of Card Transactions within a specified period effected on a Card as reflected in the D-Vault interface.

"Cardmember" means a person holding the Card.

"Cessation of Card" has the meaning given to it in Clause 1.6.3.

"Channel Partner" means any third party with whom we have entered into an arrangement to market, distribute or provide access to the Card and/or the D-Vault, including through integration of our application programming interfaces (APIs), the use of affiliate links or other customer acquisition tools, and includes such party's successors and assigns.

"Correspondence" has the meaning given to it in Clause 18.2.

"Credit Limit" means the maximum aggregate amount of credit that DCS may extend to a Cardmember under a Card at any given time, as determined by DCS at its sole discretion.

"DeCard App" means our proprietary mobile application branded as "DeCard" (or such replacement application as we may notify you from time to time), and, where the Card is offered, accessed or managed via a Channel Partner's mobile application or website, any reference in these Terms to the "DeCard App" shall, to the extent applicable, be read as a reference to the Card Management Interface.

"Due Date" has the meaning given to it in Clause 1.4.2.

"D-Vault" means a feature accessible through the Card Management Interface and/or any such other channel as we may prescribe for the purpose of administering and recording payments from a cardmember (including the Cardmember) in connection with a DCS credit card (including the Card).

"Enabled Device" means a compatible mobile communications or other device associated with one or more Cards issued to a Cardmember and successfully enrolled by the Cardmember for use in connection with payment.

"Event(s) of Default" means any event or circumstance specified under Clause 13 of these terms and conditions.

"Exclusions" has the meaning given to it in Clause 9.2.

"Foreign Exchange Conversion Charge" means a conversion commission to be added to the retail rate offered by DCS during currency conversion when billing a Cardmember for a transaction that was charged in a currency different from the currency of the Cardmember's Card Account.

"Guidelines" refers to the E-Payments User Protection Guidelines issued by the Monetary Authority of Singapore.

"Instructions" mean the instructions (including electronic instructions) issued or to be issued by you to us in furtherance of the transactions contemplated by these terms and conditions, and "to instruct" shall be construed accordingly.

"Liabilities" mean all obligations, liabilities or monies whatsoever at any time now or hereafter owing, due or incurred by you to us anywhere, on any account, or in connection with any Instructions or otherwise, whether present or future, actual or contingent, solely or jointly and, including all principal monies, interest, compound interest, charges, expenses, costs, fees or Taxes as may from time to time be payable by you in connection therewith.

"Loss" means any and all liabilities, losses (including indirect and consequential losses), damages, costs, charges and expenses of whatsoever nature or however arising, including legal fees on a full indemnity basis.

"Merchant Category Code" or "MCC" has the meaning given to it in Clause 5.1.2.

"OTP" means a one-time password.

"Outstanding Balance" has the meaning given to it in Clause 1.4.2.

"Permitted Purposes" has the meaning given to it in Clause 12.1.

"PIN" means a personal identification number attributable to a specific person.

"Prepayments" has the meaning given to it in Clause 1.1.4.

"Statement of Account" or "SoA" has the meaning given to it in Clause 1.4.2.

"Taxes" means any present or future tax (including without limitation, any value added tax, goods and services tax, consumption tax) levy, impost, duty, fee, deduction or withholding of any nature and by whatever name called, by and on whomsoever wherever imposed, levied, collected, assessed or withheld.

"Termination of Card" has the meaning given to it in Clause 1.6.2.

"We", "us", "our", "ourselves", and "DCS" means DCS Card Centre Pte. Ltd. and shall include our affiliates, successors and assigns.

"Website" means the website(s), web-portal(s) and/or online interface(s) notified by us from time to time, including any website operated by a Channel Partner which we designate for the marketing, application, access or management of the Card and/or related services, including www.kiteapp.xyz.

"You", "your" and "yourself" - refers to you (whether alone or jointly with another person/persons), a Cardmember, or if you are a partnership or other unincorporated entity consisting of two or more persons, these terms and conditions shall be binding on your respective successors in title, executors and personal representatives, as the case may be, and your liabilities hereunder shall be joint and several.

1. USE OF DCS DECARD

1.1 Card Issuance, Funding and Credit Framework

1.1.1 Each Card is issued solely for use by the individual Cardmember to whom it is issued. Supplementary card functionalities are not available and cannot be requested under this programme.

1.1.2 Once your Card application has been approved, the Credit Limit as set out in Clause 1.3.1 will be made available to you and the D-Vault interface will reflect the Available Amount in accordance with your Credit Limit.

1.1.3 Repayment to DCS for Liabilities incurred under the Card may be paid in fiat currency or in such stablecoins as may be approved by DCS from time to time.

1.1.4 All payments made by you to increase the Available Amount reflected in the D-Vault (in all such cases, "Prepayments") shall, upon receipt by DCS, be deemed irrevocably transferred to and become the sole and absolute property of DCS. You acknowledge and agree that such Prepayments are made to DCS as payment for Liabilities incurred or to be incurred under the Card, and not for the purpose of safekeeping or custody of fiat currency or stablecoins. For the avoidance of doubt, DCS shall not be regarded as holding any funds, whether Prepayments or otherwise and whether in fiat currency or stablecoins, on trust for you, and no fiduciary, custodial, or similar relationship shall arise between you and DCS in respect of such funds.

1.1.5 The use of the D-Vault is subject to prevailing terms and conditions governing such use. Please refer to www.dcscc.com for details.

1.2 Card and Security Procedure Terms of Use

1.2.1 The Card is for your use only.

1.2.2 You must not give the Card, Card Account number, or any PIN or OTP that corresponds to your Card Account, to others or allow them to use it for Card Transactions, identification or any other purpose.

1.2.3 You must do all that is necessary to keep your Card safe and prevent fraudulent or unauthorised access to or use of your Card and Card Account. This includes signing the Card as soon as you receive it in order to facilitate identification and to prevent misuse.

1.2.4 You shall not use any Card (whether to effect payment or otherwise) in relation to any transaction or activity which is illegal or prohibited under the law of the country in which such transaction or activity is effected or takes place or the law of your country of residence.

1.3 Credit Limit and Available Amount

1.3.1 We will determine the Credit Limit at our sole and absolute discretion upon review of your Card application.

1.3.2 We may, where necessary, review and revise your Credit Limit without notice.

1.3.3 We may choose to approve certain Card Transaction that would result in the Credit Limit being exceeded. Notwithstanding any Credit Limit that may be set or imposed, we may, at our absolute discretion, authorise or allow any Card Transaction even though such Card Transaction may exceed, or would as a consequence exceed the Credit Limit; or refuse to authorise or approve any Card Transaction even though the Credit Limit has not been and would not be exceeded if such Card Transaction had been effected. Where the Credit Limit relating to your Card Account has been exceeded, you shall immediately pay us the amount in excess of your Credit Limit.

1.3.4 We may charge and debit the relevant Card Account (whether before or after the termination of the use of any or all Cards) the amount of each and every Card Transaction made or effected, including all Card Transactions made or effected via any Enabled Device, and/or where any Card has been enrolled on multiple Enabled Device, and in each instance, whether by you or any other person (whether with or without your knowledge or authority) and notwithstanding that the balance due to us on the Card Account may as a consequence of any such charge or debit exceed the Card Account.

1.4 Repayment

1.4.1 Prepayments shall be attributed, as a matter of DCS' internal reconciliation and administrative tracking, to your Card Account.

1.4.2 At the conclusion of each Billing Cycle, a Statement of Account ("SoA") shall be issued containing a record of Card Transactions and any outstanding Liabilities ("Outstanding Balance"). The Outstanding Balance on an SoA for a given Billing Cycle is immediately due for payment in full as at the date of the SoA. You shall pay us the entire Outstanding Balance, or at least, the minimum payment specified in the SoA, by the payment due date stated on the SoA (the "Due Date"). On the Due Date, all Prepayments shall be applied toward the discharge of the Liabilities (including the Outstanding Balance).

1.4.3 We may apply payments received by us in any order of priority and in any manner we deem fit. If any payment received or recovered is in a currency different from the currency of your Card Account, we will convert such payment into the currency of your Card Account on the basis of the DCS retail rate of exchange, and apply the Foreign Exchange Conversion Charge thereon. You agree to indemnify us for any shortfall and will take full responsibility for any Loss and bear all the risks arising from the currency conversion.

1.4.4 Notwithstanding any term in this Agreement, we may demand from you at any time immediate repayment of any amount you owe us, whether such amount has already been reflected in your Card statement.

1.5 Interest, Fees and Charges

1.5.1 You agree to pay the applicable interest, fees and charges. DCS reserves the right to revise these at any time.

1.5.2 If you do not pay the entire Outstanding Balance by the Due Date, including but not limited to where Prepayments (as applied toward the discharge of the Outstanding Balance in the SoA) are insufficient to discharge the entirety of the Outstanding Balance, you must pay any and all fees and/or charges, including late payment charges, which may be imposed on the Card and/or D-Vault service as notified to you, which are subject to change at our discretion from time to time with prior notification to you, and any subsequent Card Transaction will be subject to interest charge(s). Without prejudice to our rights under these Terms or at law, and without amounting to any change to these Terms whether expressly or impliedly, we may at our discretion accept a late or part payment described as payment in full or in settlement of a dispute. You agree to indemnify us fully in relation to any and all legal costs which may be incurred in recovering or attempting to recover any amount which is overdue and unpaid under these Terms, whether before or after the commencement or conclusion of any legal proceedings in relation to such amount.

1.5.3 If we receive an instruction in relation to a Card Transaction other than in the currency of your Card Account, DCS will convert it into the currency of your Card Account on the basis of the DCS retail rate of exchange, and apply the Foreign Exchange Conversion Charge thereon. You further acknowledge that given the fluctuation in rates over time or the treatment of rates by third-parties including merchants, any refund of a Card Transaction other than in the currency of your Card Account may be different to the sum originally processed on your Card Account.

1.5.4 DCS reserves the right to charge you an inactivity fee should you fail to initiate any transactions (of any amount, excluding refunds) for any period of time which is longer than 90 calendar days.

1.5.5 DCS also reserves the right to charge you an early card termination fee if you initiate a termination of the Card within the 180 calendar day period beginning from the approval of your application for the Card.

1.5.6 We are entitled in our absolute discretion to vary or determine, at any time and from time to time, the rates, fees, charges, and other matters that may affect your Liabilities under your Card Account, and all fees and charges payable by you in relation thereto.

1.5.7 The latest applicable interest, fees and charges are published under the FAQ section of the DeCard website and may be updated from time to time. You are responsible for reviewing this information periodically.

1.6 Termination and Cessation of Card

1.6.1 The Card and its accompanying D-Vault shall remain valid until terminated by you or ceased by us in accordance with these Terms. When a Card is terminated or ceased, its accompanying D-Vault shall also be terminated or ceased, and vice-versa.

1.6.2 Termination of Card

1.6.3 Cessation of Card

1.6.4 Upon the Termination of Card or Cessation of Card, any accrued Liabilities shall remain continuing and we shall remain entitled to debit from your Card Account any amount outstanding and owing to us, including any Outstanding Balance, costs, expenses, fees, commission, charges and payments owing from Card Transactions carried out before the Termination or Cessation of your Card Account, and any other charges you owe on your Card Account. Until any such sums are paid in full, further interest, fees or charges may be imposed on you in the manner stipulated in Clause 1.5.

1.6.5 Upon Termination of Card or Cessation of Card:

1.6.6 If, at the point of Termination of Card or Cessation of Card, DCS has determined that Prepayments exceed all accrued Liabilities and outstanding sums (the "Credit Balance"), we will transfer the whole of such Credit Balance to another card account you have with us if such a card account exists. If you do not hold another card account with us other than the Card Account, we will store the Credit Balance in a separate bank account, following which the Credit Balance will only be refunded to you upon your written request. Such written request must be made within 30 days from the date of our notification on the Cessation. If we do not receive a written request from you requesting for a refund of the Credit Balance within this 30-day period, you are deemed to have waived any rights to recover or claim for the Credit Balance.

1.7 Channel Partners and their platforms

1.7.1 Where the Card and/or D-Vault is marketed, distributed, applied for, accessed and/or managed via a Channel Partner or through a Channel Partner's Website, mobile application or other Card Management Interface, your use of any such Channel Partner platform is subject to the separate terms, conditions and privacy policy imposed by the relevant Channel Partner, which constitute a separate relationship between you and that Channel Partner.

1.7.2 We are not responsible for, and make no representations or warranties in respect of, the operation, security, availability, accuracy or content of any Channel Partner platform, nor for any act or omission of any Channel Partner.

1.7.3 In the event of any inconsistency between these Terms and any terms imposed by a Channel Partner in relation to the Card, these Terms shall prevail as between you and us.

1.7.4 For the avoidance of doubt, any promotions, rewards, benefits or features offered to you directly by a Channel Partner (whether via its app, Website or otherwise) are provided by the relevant Channel Partner and not by us, and shall not form part of these Terms unless we expressly agree in writing. We shall not be responsible for any withdrawal, variation or termination of such Channel Partner promotions, rewards, benefits or features.

2. CARD REMAINS OUR PROPERTY

2.1 You may request for the Card to be issued to you virtually or physically, or both. For applicants who request a physical card to be issued following the application, we are entitled to charge a fee for issuing such physical card to your mailing address.

2.2 The Card remains our property at all times. Without prejudice to the generality of the foregoing, we may at our absolute discretion, request for the Card to be returned to us at any time, whereupon you shall cut and return the Card immediately to us, and/or cease all use of the Card in any way. All fees, costs and expenses incurred in respect of the return of the Card shall be borne by you.

3. INSTRUCTIONS

3.1 The Instructions shall be treated as irrevocable once issued in accordance with these Terms.

3.2 Instructions from you may be given either orally (via telephone or otherwise) or in writing (which expression shall include postal communication, facsimile/telefax/electronic mail and any form of electronic communication).

3.3 We may rely on oral or written instructions which we believe to be given by you or any person authorised by you without verifying the identity of the person purporting to give such instructions. Where any instruction is ambiguous or inconsistent with any other instructions, we shall be entitled to rely on and act in accordance with any reasonable interpretation thereof which we believe in good faith to be the correct interpretation. You shall not hold us liable in any way for acting on inconsistent, ambiguous or incomplete instructions and you shall indemnify us for any Loss and expenses (including legal fees) in reliance thereof.

3.4 We shall not be liable to you for acting upon any Instructions which we believe to be communicated or purportedly communicated by you or any person authorised by you to us over the telephone or in writing and signed or purportedly signed by you or any person authorised by you or given or transmitted purportedly or given or transmitted by facsimile / telefax / electronic mail notwithstanding that it is subsequently shown that such Instruction was not given by you or by any person authorised by you. Any risk of misunderstanding, any error or Loss resulting from instructions given by unauthorised persons or any error Loss or delay resulting from the use of the post / facsimile / telefax / electronic mail are entirely your risk for which we shall not be liable for.

3.5 You are aware that signatures on facsimile / telefax / electronic mail Instructions may be superimposed fraudulently or without proper authority when transmitted to us and you shall give us facsimile / telefax / electronic mail Instructions assuming such risks. We shall not be held liable for any Losses, damages, expenses, claims or liabilities suffered by you as a result of our reliance upon facsimile / telefax / electronic mail Instructions so long as the signatures appearing on such facsimile / telefax / electronic mail Instructions appear on verification to be or purport to be in accordance with your specimen signature or the specimen signature of any person authorised by you.

3.6 We shall be entitled to record all telephone conversations and instructions relating to each Card Transaction and these terms and conditions. In this connection, you agree that we shall be entitled to use such recordings and transcripts thereof as evidence in any dispute.

3.7 In addition, we shall be entitled, but not obliged, to perform a call back to your registered telephone number with us to confirm any instructions received by us. If we are unable to successfully perform the call back, we may elect not to act on the instructions received.

3.8 In consideration of us doing so or acting in accordance with these terms and conditions, you shall indemnify us and keep us indemnified against all demands, claims, liabilities, Losses, actions, proceedings, damages, costs, and expenses incurred or sustained by whatsoever nature and howsoever arising, out of or in connection with any such communication or facsimile / telefax / electronic mail Instructions or the acting upon or carrying out such communication or facsimile/telefax or electronic mail instructions or the taking of steps in connection with or in reliance upon any such communication or facsimile/telefax/ electronic mail instructions and you shall reimburse us any sums on demand.

4. STATEMENTS OF ACCOUNTS

6.1 We will furnish you with SoA at monthly intervals or at such intervals as we may prescribe ("Billing Cycle"). The SoA is only available in electronic form. You agree to verify the correctness of all details contained in each SoA and to notify us within fourteen (14) calendar day period from the date of such SoA (dates inclusive) of any discrepancies, omissions or errors therein. Upon expiry of this period, the details in the SoA shall be conclusive against you except as to the alleged errors so notified but subject always to our right to correct any errors contained therein at any time notwithstanding such acceptance by you.

5. DISCLAIMERS

7.1 The merchants displayed on DCS Website are presented for informational purposes only. We do not endorse, sponsor, or have any formal affiliation, partnership, or relationship with these merchants unless otherwise expressly stated. The inclusion of any merchant on DCS Website does not imply any form of partnership, joint venture, or formal association between DCS and the respective merchant. Any information or statements relating to our merchants published on our Website shall not constitute a representation on our part and we shall not assume any liability in respect of the accuracy of any of such information or statements.

7.2 All transactions conducted with these merchants are solely between you and the merchant, and we assume no responsibility for any dealings, agreements, or disputes arising from such interactions. In particular and except as required by law, we are not responsible for any goods or services charged to the Card, or if a merchant refuses to accept the Card. Merchants may impose their own restrictions on use of the Card and we are not responsible for this. You may raise any claim or dispute directly with the merchant concerned and you may not withhold payment from us because of such claim or dispute.

6. ASSIGNMENT

8.1 These terms and conditions shall be binding on you and us, and our respective successors in title and assigns. These terms and conditions shall also continue to be binding on you notwithstanding any change in your name or constitution or our name and constitution, or the consolidation or amalgamation of you into or with any other entity, or any consolidation or amalgamation we may enter into or with any other entity (in which case the terms shall be binding on the successor entity).

8.2 You may not assign any of your rights hereunder without our express written consent.

8.3 We may assign any or all of our rights hereunder to any person or entity as we deem fit in our absolute discretion.

7. FORCE MAJEURE

7.1 We shall not be responsible or liable to you for:

7.2 Without prejudice to the generality of Clause 9.1 above, the following shall be regarded as circumstances and/or causes beyond our reasonable control:

7.3 Our obligations, so far as affected by circumstance or causes beyond our reasonable control, shall be suspended during the continuance of any delay or failure in performance so caused and such delay or failure shall not be a breach of these terms and conditions.

8. TERMINATION

8.1 Notwithstanding any other provision of these Terms and subject to us being fully paid all monies now or later due payable actually or contingently whether under these terms and conditions or otherwise howsoever, we may terminate the account at any time upon:

8.2 Termination under these terms and conditions or any part thereof shall not discharge or affect the liabilities accrued prior to the date of such termination and shall be without prejudice to any Card Transaction outstanding as at the date of termination.

9. EVENTS OF DEFAULT

9.1 Subject to the terms herein, each of the following shall be deemed to be an Event of Default:

9.2 At any time if an Event of Default has occurred, we may elect, at our sole discretion, declare that:

9.3 For avoidance of doubt, the use of this Card shall be subject to the terms and conditions governing the D-Vault, and you shall remain liable for any outstanding balance on the Card in the event of any non-availability of the D-Vault, or any of its features.

10. CONSENT TO DISCLOSURE

10.1 You hereby expressly authorise and permit us and each of our officers, employees, agents, contractors, service providers and each entity relevant to divulge, reveal, process or disclose any or all of your Personal Data and any particulars, including but not limited to your information relating to the Card, the Card Account and/or any transaction or dealings between you and DCS (the "Permitted Purposes"):

11. YOUR LIABILITY AND RESPONSIBILITY

11.1 You are responsible for all transactions made using the Card, and to ensure compliance with all the terms herein and all the terms that apply to your Card Account and Services that may be operated by or accessed using the Card. You are responsible for any Loss suffered as a result of failure to comply with all the terms in this Agreement and all the terms that apply to your Card Account and all services that may be operated by or accessed using the DeCard App.

11.2 You shall provide to us the information and documents we may need from time to time in connection with the use of the Card, and cooperate with us (where applicable) in any investigation or litigation in connection with the use of the Card.

11.3 You must keep the Card safe at all times and report it to us as soon as you become aware, or have reason to believe that the Card is lost or stolen, or there has been unauthorised use of the Card or access to the Card Account and/or the Enabled Device. This may be done by sending us a message on Telegram at @TheDeHelpBot, calling the DCS Card Hotline at +65 6571 0128, or via email at the following email address: csd@dcscc.com.

11.4 You must:

11.5 If the Card or Enabled Device is lost or stolen, or if there has been unauthorised use of or access to the Card Account and/or the Enabled Device, you shall be responsible for all transactions made by anyone using the Card, and your liability for unauthorised transactions effected after such unauthorised use of or access to the Card Account and/or the Enabled Device but before we are notified thereof shall be limited to:

• SGD Cardmembers: 100 SGD

• USD Cardmembers: 100 USD

only if you have taken all of the following steps (though we may, after due investigation and at our absolute discretion, waive such liability on a case-by-case basis):

11.6 Interest charges and late fees in relation to such unauthorised transactions will not be levied during the period when we are carrying out investigations in order to determine whether the steps in this Clause 11.5 have been undertaken by you.

11.7 We may, in our absolute discretion, issue a replacement Card to you which will be on terms we stipulate.

11.8 If the lost or stolen Card is recovered, you must promptly cut the Card in half and (a) return the same to us if so requested by us, or (b) dispose of it immediately as it cannot be used anymore.

11.9 The Guidelines issued by the Monetary Authority of Singapore applies in relation to our provision of the Card Account to you.

11.9.2 You acknowledge and agree that:

11.9.3 As a responsible financial institution, we will observe our duties under the Guidelines and in the event of any inconsistency between the terms and conditions of this agreement and the Guidelines, the Guidelines will prevail. For the avoidance of doubt, the liability apportionment set out in section 5 of the Guidelines does not apply to payment transactions on credit cards issued by us in Singapore.

11.9.4 For the purposes of Clauses 11.9.1 and 11.9.2, unauthorised activity includes an "unauthorised transaction" which in relation to your Card Account, means any payment transaction initiated by any person without your actual or imputed knowledge and implied or express consent. This includes "seemingly authorised transactions" as defined in the Guidelines to the Shared Responsibility Framework issued by the MAS and the Infocomm Media Development Authority of Singapore.

11.9.5 For the purposes of Clauses 11.9.1 and 11.9.3, "payment transaction" means the placing, transfer or withdrawal of money, whether for the purpose of paying for goods or services or any other purpose; and regardless of whether the intended recipient of the money is entitled to the money, where the placing, transfer or withdrawal of money is initiated through electronic means and where the money is received through electronic means.

12. AMENDMENTS

12.1 Without limiting any of our rights, we shall be entitled to amend, add to, vary or introduce new terms in these Terms from time to time upon notice to you. Such amendment, addition and variation shall take effect from the date stated in the notice, which in most instances, shall be no less than thirty (30) calendar days from the date of notice, save as the changes are required in an emergency or where it is not practicable or reasonable to give such an advance notice.

12.2 If you continue to use the Card under these terms and conditions, you shall be deemed to have agreed to all amendments and/or variations without reservation.

12.3 We may notify you of any changes to the terms and conditions by:

13. ANTI-MONEY LAUNDERING

13.1 You agree to provide any information as is necessary to verify your identity and do all things necessary to enable us to comply with applicable anti-money laundering and "know-your-client" laws and regulations. You agree that we shall be held harmless against any Loss arising as a result of any delay or failure to process any application or transaction if such information and documentation as has been requested by us has not been provided by you.

14. CONTRACTS (RIGHTS OF THIRD PARTIES) ACT

14.1 The Contracts (Rights of Third Parties) Act of Singapore shall not under any circumstances apply to these terms and conditions and any person who is not a party thereto shall have no right whatsoever under the Contracts (Rights of Third Parties) Act to enforce these terms and conditions or any of its terms.

15. WAIVERS

15.1 No act, omission or forbearance by us or any of our employees shall constitute a waiver of our rights unless the waiver is specified in writing by a director of DCS.

16. COMMUNICATIONS

16.1 You shall provide us with written notice of any change in your particulars.

16.2 Any statement, advice, confirmation, notice, demand and all other correspondence by us under the terms and conditions (the "Correspondence") shall be served on you:

17. SEVERABILITY

17.1 In the event of any conflict or inconsistency, either now or in the future, between these terms and conditions and any applicable statute, rule, regulation, practice, constitution, custom, usage, ruling or interpretation, the affected provision(s) of these terms and conditions shall be deemed modified or superseded as the case may be and all other provisions of these terms and conditions and the provision(s) so modified shall in all respects continue in full force and effect.

18. GOVERNING LAW

18.1 The terms and conditions shall be governed by and construed in all respects in accordance with the laws of Singapore. However, we are at liberty to initiate and take actions or proceedings or otherwise in Singapore or other jurisdictions as we deem fit. You hereby agree that where any actions or proceedings are initiated in Singapore, you shall submit to the jurisdiction of the Courts of Singapore.

19. MEMBER BELOW 21 YEARS OLD

19.1 If you are below 21 years of age when you apply for a Card the following provisions will apply.

19.2 If you use the Card after you have reached 21 years of age you are considered to have confirmed your agreement to these terms and conditions. You do not need to re-apply for the Card Account or the Card or do any other thing to accept these terms and conditions.

19.3 By signing the application form for the issue of the Card, permitting you to sign that form or permitting you to use the Card, your parent or guardian:

19.4 The liability of the parent/guardian will not be affected by anything at all which, but for this provision, might operate to relieve the parent/guardian of his/her obligations, including, without limitation, (i) time, credit or any indulgence or concession being granted or a compromise or arrangement being made; (ii) any transaction or arrangement (including one which increases the amount you may owe); (iii) there not being any Liabilities at any time; (iv) you not being liable to pay all or any part of the Liabilities or being discharged or released (including by operation of law) from any obligation; (v) any change to a document (including these terms and conditions) or a document (including these terms and conditions) being partly or completely unenforceable; (vi) the assignment of any rights by us; (vii) you being or becoming insolvent or bankrupt or not being bound or ceasing to be bound by these terms and conditions; (viii) any failure by us to give any notice or any other omission, delay or mistake by us; or (ix) the enforcement or failure to enforce any obligation or right.

19.5 The parent/guardian must pay the amount (including the Liabilities) for which he/she is responsible immediately on demand by us. The obligations of the parent/guardian continue until either the Liabilities has been irrevocably paid in full and the Card Account has been terminated or (if it is earlier) you use the Card after you have reached 21 years of age.