UOB BUSINESS INTERNET BANKING SERVICE AGREEMENT
1.

Definition and Interpretation

1.1

In this Agreement, the following words and expressions shall have the meanings set
out hereunder unless the context otherwise requires:“Account” means any account of the Customer with any UOB Group Bank.
“Agreement” means this Business Internet Banking Service Agreement and theapplicable Country Addendum and all documents and supplementary terms issued by
any UOB Group Bank incorporating such amendments and variations as may beeffected by any UOB Group Bank from time to time in accordance with any of theprovisions hereof.
“Application” means an application to any UOB Group Bank in such form andsubstance and made in such manner as may be required by or otherwise acceptableto such UOB Group Bank for the provision to the Customer of any one or more of the
facilities, services or products which any UOB Group Bank may from time to time
make available or provide through the Business Internet Banking.
“Applicable Laws” means all statutes, laws, rules, regulations, directives, circulars,
notices (whether of governmental body or authority or self-regulatory organisations inrelation to which any UOB Group Bank is a member, or otherwise), whether in or
outside Singapore which are applicable to any UOB Group Bank and/or the Customer
and/or to which any UOB Group Bank and/or the Customer is subject.
“Banking Day” means a day on which any UOB Group Bank is open for business inthe country in which it operates.
"Bulk Collection Services” means multiple collection service provided by a UOB Group
Bank, for which multiple collection Instructions are sent, given or transmitted in asingle group from the Customer to the UOB Group Bank, created online in Business
Internet Banking (“BIB”) or in a softcopy file uploaded through BIB.
"Bulk Payment Services” means multiple payment service provided by a UOB Group
Bank, for which multiple payment Instructions are sent, given or transmitted in a single
group from the Customer to the UOB Group Bank, created online in BIB or in a
softcopy file uploaded through BIB.
“Bulk Payroll Services” means multiple payroll service provided by a UOB Group Bank,for which multiple payroll Instructions are sent, given or transmitted in a single groupfrom the Customer to the UOB Group Bank, created online in BIB or in a softcopy file
uploaded through BIB.
"Bulk Services" means Bulk Payment Services, Bulk Payroll Services and Bulk
Collection Services.
“Business Internet Banking” or “BIB” means the business internet banking systemfrom time to time made available by any UOB Group Bank, enabling the Customer tocommunicate and/or perform transactions with such UOB Group Bank through any
Equipment.
“BIB Mobile Services” mean any credit, banking or other facility, product or service
provided by any UOB Group Bank to the Customer using Business Internet Banking(including without limitation the empowerment of Customer Users to agree on behalfof the Customer the matters described in this Agreement) through the medium of amobile Equipment.

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“BIB Software” means all software used for the purpose of the provision to theCustomer of Business Internet Banking, the Services or any other service or facility.
“Company Administrator” means the person appointed by the Customer to administerand control the access and use of Business Internet Banking and/or the Services byCompany Signatories and Company Users on behalf of the Customer and authorised
to receive, hold and/or use any Security Token on behalf of the Customer.
“Company Signatory” means a person authorised by the Customer (whether alone or
jointly with any other person or persons) to utilise and operate the Services for and on
behalf of the Customer and/or submit or make any Application or give any Instruction
and/or execute or sign any instrument and/or to effect any transaction on any Accountor operate or utilise any Service for and on behalf of the Customer and/or to receive,
hold and/or use any Security Token on behalf of the Customer.
“Company User” means a person authorised by the Customer and/or the Company
Administrator to perform day-to-day transactions not requiring mandate authority andto receive, hold and/or use any Security Token on behalf of the Customer.
“Country Addendum” means the additional and specific terms applicable in the
country or region in which a UOB Group Bank provides the Services.
“Customer” means the person who accepts and enters into this Agreement.
“Customer User” means any of the Company Administrators, Company Signatories
and Company Users or any combination thereof, who is/are authorised by the
Customer from time to time to access and use Business Internet Banking.
“Equipment” means any electronic, wireless, communication, transmission or
telecommunications equipment, device or medium including but not limited to theInternet, any computer or mobile equipment, device, terminal or system which may berequired to access and use the Services.
“Instruction” means any request, Application, authorisation or instruction, in whatever
form and sent, given or transmitted to any UOB Group Bank through Business
Internet Banking:(a)by the Customer or a Customer User on behalf of the Customer; or(b)which that UOB Group Bank or an Officer of that UOB Group Bank
reasonably believes to be the request, Application, authorisation or
instruction of the Customer or a Customer User given on behalf of the
Customer; or(c)by use of any Security Token and/or Password of a Customer User
(whether or not in conjunction with the User ID of the Customer or the
Customer User); or(d)by means of an electronic signature (pursuant to Applicable Laws) of the
Customer or a Company Signatory on behalf of the Customer.

“instrument” includes any cheque, cashier’s order, demand draft, bill of exchange,note, bond, acceptance, Instruction or order for payment or transfer, contract,
certificate or other document.
“Loss” means any and all injuries, liabilities, losses (including indirect andconsequential losses), damages, costs, charges and/or expenses of whatsoever
nature or however arising, including legal fees on a full indemnity basis.
“Officer” means any director, officer, employee or servant of any UOB Group Bank.
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“Password” means any number, password or other names, phrases, symbols orcodes, whether issued or assigned by any UOB Group Bank to a Customer User orotherwise, or selected by a Customer User to enable him to access any Accountand/or to utilise the Services or operate any Security Token on behalf or for theaccount of the Customer and includes any other number, password, name, phrase,
symbol or code issued, assigned or selected in replacement thereof. For avoidance of
doubt, “Password” includes one-time passwords ("OTP") and response codes
generated by Security Tokens.
“person” includes any natural person, any firm, association of persons, corporation orentity.
“Push Notification” means a message, including any content or data, that istransmitted as part of the BIB Mobile Services application and delivered to theCustomer’s Equipment.
“Security Token” means any token, security device or such other storage device
issued and/or designated by any UOB Group Bank for use by the Customer or a
Customer User for the account of the Customer (including or incorporating any
replacements, upgrades, or enhancements thereto) to generate OTPs or response
codes for the purpose of enabling such UOB Group Bank to verify and authenticate
the identity of such Customer User for his access and use of Business Internet
Banking and the Services.
“Services” means any credit, banking or other facility, product or service provided by
any UOB Group Bank to the Customer using Business Internet Banking (including
without limitation the empowerment of Customer Users to agree on behalf of the
Customer the matters described in this Agreement) and shall include BIB Mobile
Services.
“transaction” includes any transfer, withdrawal or payment and any transaction
involving any trade services provided by any UOB Group Bank.
“UOB Group Bank” means United Overseas Bank Limited, its branches and its
subsidiaries, wherever situated. As the context may require, the UOB Group Bank
means (i) in relation to each transaction carried out or transmitted through Business
Internet Banking, the UOB Group Bank to which the Instructions for that transaction
relate or has its closest connection, or (ii) the UOB Group Bank to which theCustomer is or may be indebted or otherwise liable, or (iii) the UOB Group Bank at
which the Customer maintains its Account(s).
“User ID” means the identification characters or number (whether or not alphanumeric) issued and assigned by the UOB Group Bank to the Customer or otherwise
selected by the Customer or subsequently selected by a Customer User to accessBusiness Internet Banking and the Services and for the purpose of enabling the UOBGroup Bank to verify and authenticate the identity of such Customer User for its
access to Business Internet Banking and the Services and includes any othercharacters or numbers so assigned or selected in replacement thereof.
“Website” means the website presently located at www.uobgroup.com (or any
replacement or successor domain name), and includes any website operated and/or
maintained by or for any UOB Group Bank from time to time and at any time.
1.2

The headings or titles to the Conditions in this Agreement are to facilitate reference
and shall not be referred to or relied upon in the construction of any provision of thisAgreement.

1.3

Where the context so admits, the singular shall include the plural and words in the
masculine gender shall include the feminine gender and/or neutral gender and viceversa.

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1.4

The rights of any UOB Group Bank with respect to any matter conferred under any
provision of this Agreement shall be additional to the rights conferred under any otherprovision of this Agreement with respect to the same matter.

1.5

Any reference to a party in this Agreement shall include a reference to his successors
in title and permitted assigns.

1.6This Agreement may be amended in accordance with its terms from time to time andis in addition to any other agreements which the Customer may have with any UOBGroup Bank including terms and conditions which are or may be prescribed by any
UOB Group Bank from time to time in respect of certain Accounts and/or Services
and such agreements and terms and conditions shall be considered an integral partof this Agreement.

2.

Application of Agreement

2.1

This Agreement shall constitute an agreement between the Customer and each UOBGroup Bank (collectively the "Parties" and each a "Party") and shall apply not only in
relation to those Account(s) and Services currently requested or applied for by or for
the Customer but also to any and all other Accounts currently maintained with any
UOB Group Bank by the Customer and all Services currently utilised by or for the
Customer and all Accounts which may be subsequently opened or established and toother Services which have been or would be utilised by the Customer from time to
time.

2.2

In the event of any conflict or inconsistency between any of the provisions of thisAgreement and any of the provisions of any previous or subsequent agreement
between any UOB Group Bank and the Customer with respect to any Account orServices, to the extent of such conflict or inconsistency:(a)the provisions of this Agreement governing the usage and operation of any
Account or Services through Business Internet Banking shall prevail overany such previous or subsequent agreement governing the Account orService; and(b)the provisions of such previous or subsequent agreement governing the
Account or Service will prevail over the provisions of this Agreement in allother situations.

2.3

Notwithstanding anything to the contrary herein, the terms of this Agreement shall notaffect or diminish in any way the rights of any UOB Group Bank referred to or set out
in the Website, including, but not limited to any and all exclusions, disclaimers andlimitations of any liabilities of any UOB Group Bank, referred to or set out in theWebsite.

3.

Services

3.1

The Services enable the Customer to:(a)view Accounts and give any UOB Group Bank Instructions in relation toservices and facilities the Customer receives from such UOB Group Bank,and accounts and products that the Customer has with that UOB Group
Bank, being accounts, services, facilities and products which are from time
to time the subject of Business Internet Banking; and(b)initiate Applications, place orders and conclude contracts for or relating toservices and products of any kind which that UOB Group Bank may offerfrom time to time and to agree to any other matter or thing with that UOBGroup Bank.

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3.2

By this Agreement the Customer authorises any UOB Group Bank to:(a)act on and accept the Customer’s Instructions apparently given by any
Customer User in respect of any of the matters referred to in Clause 3.1;
and

(b)

add to Business Internet Banking all of the Customer’s Accounts wheneveropened which are the subject of Business Internet Banking. This applies toall of the Customer’s Accounts existing at the date of this Agreement andthose opened afterwards.

4.

Instructions

4.1

Each UOB Group Bank shall only accept an Instruction if it has been effected throughBusiness Internet Banking using the appropriate User ID(s) and Password(s) inaccordance with the terms of this Agreement.

4.2

Each UOB Group Bank may (but shall not be obliged to) rely and act upon or carryout any Instruction, and to the extent that any such Instruction is relied, acted upon or
carried out by any UOB Group Bank, then such Instruction shall be deemed to havebeen given by the Customer to that UOB Group Bank, notwithstanding anything to
the contrary.

4.3

Subject to each UOB Group Bank’s obligation under Clause 4.1 above, any UOBGroup Bank shall be under no obligation to check the authenticity of any Instruction or
the authority of the person or persons giving such Instruction. Each UOB Group Bank
shall otherwise be entitled (but not obliged) to verify and be satisfied with respect to:(a)the identity of the person purporting to give any Instruction or the source
and origin of any Instruction; and/or(b)

the representation of authority of any Customer User to act for the
Customer.

and any UOB Group Bank may defer relying or acting upon or carrying out any
Instruction unless and until it is satisfied as to the matters on which it had sought
verification regardless of whether it is under any obligation to the Customer to act
upon or carry out that Instruction.
4.4

In the event that any UOB Group Bank decides to rely, act on or carry out any
Instruction or is otherwise under an obligation to do so in relation to any Instruction,that UOB Group Bank shall be allowed such amount of time to act on or carry out any
Instruction as may be reasonable having regard to the systems and operations of thatUOB Group Bank and the other circumstances then prevailing and shall not be liable
for any Loss arising from any delay on its part in acting on or carrying out any such
Instruction.

4.5

In the event that the Customer makes a request to any UOB Group Bank to modify orcancel any Instruction, that UOB Group Bank will take reasonable endeavours tocomply with such a request but shall not be liable for any failure to modify or cancelthat Instruction if that UOB Group Bank receives that request at a time or undercircumstances that render it impossible to comply with that request.

4.6

The UOB Group Bank shall not be taken to have received or have notice of any
countermand of Instructions until the time that UOB Group Bank informs the
Customer in writing that such countermand has been received or that UOB GroupBank has taken action in respect of such countermand, whichever is earlier.

4.7

Where any Instruction to any UOB Group Bank is ambiguous or inconsistent with anyother Instruction to the same UOB Group Bank, that UOB Group Bank shall be

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entitled to rely, act on or carry out any Instruction in accordance with any reasonableinterpretation thereof which that UOB Group Bank or any Officer believes in goodfaith to be the correct interpretation or refuse to act on or carry out the Instruction until
it receives a fresh Instruction in such form and manner required by or acceptable to it.
4.8

Where any Instruction to any UOB Group Bank is inaccurate or incomplete, that UOBGroup Bank shall not be liable for any Loss or delay arising from the inaccuracy or
incompleteness of such Instruction. The Customer shall be solely responsible for
ensuring the accuracy and completeness of its Instruction and that that Instruction
reflects the Customer’s intent and achieves the Customer’s intended purpose.

4.9

Each UOB Group Bank may, in its absolute discretion and without liability, refuse toact on or delay acting on any Instruction if it knows of or suspects a breach of security
in respect of or in connection with the operation of one or more of the Accounts or theServices generally or if it has terminated this Agreement pursuant to Clause 12
hereof. In the event that UOB Group Bank does not act on or delay acting on an
Instruction pursuant to the foregoing, the Customer shall be informed of this as soon
as is reasonably possible.

4.10

All Instructions given to any UOB Group Bank and transactions effected or made by
the Customer on any day after the time stipulated by that UOB Group Bank as thelatest time by which Instructions or transactions of the same nature on that day
should be effected or made may at the election of that UOB Group Bank be treatedas Instructions or transactions given or transactions effected or made on the next
Banking Day immediately following that day.

4.11

The Customer, in opting for the Bulk Services hashing function to hash its datacontained in any group of Bulk Services Instructions that are created online in BIB or
created in a softcopy file which can be uploaded to BIB before sending such data to
the UOB Group Bank through BIB, fully understands that the hashing function isprovided as an added safety option to help ensure that the Instructions have not been
tampered with during transmission. The UOB Group Bank shall not be held
responsible for any consequences or Losses arising from the use of the hashing
function. The Customer undertakes to keep confidential and use best endeavours tosafeguard the hashing algorithm issued by the UOB Group Bank or as amended fromtime to time.

5.

Security Tokens

5.1

Each UOB Bank grants the Customer and/or the Customer Users a non-exclusive,
non-transferable licence to use Security Tokens in respect of any Account or any
other accounts (including accounts of third parties on whose behalf a Customer User
is authorised to act) as may be designated by the Customer and for the purposes ofenabling the Customer to access Business Internet Banking and/or the Services.

5.2

Security Tokens issued or provided by a UOB Group Bank shall at all times remain
the property of that UOB Group Bank and shall be returned to that UOB Group Bankon demand, and neither the Customer nor the Customer Users will acquire any rights
whatsoever to such Security Tokens.

5.3

Each Security Token may be used (whether or not in conjunction with the User ID
and/or Password or otherwise) by any Customer User:(a)to initiate, effect, perform and/or dispatch any Instruction or any
communication to any UOB Group Bank;(b)

to obtain or utilise any Service that may be offered or made available by
any UOB Group Bank;(c)to access and obtain information as may be permitted by any UOB Group

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Bank (whether relating to an Account, Service or otherwise); and
(d)

5.4

to effect any transaction with any UOB Group Bank as may be madeavailable by the UOB Group Bank, on behalf of the Customer subject to theterms of this Agreement and to other restrictions, limitations, terms andconditions of the UOB Group Bank then applicable.

The Customer shall procure that the Customer User to whom any Security Token isissued, provided or designated shall:(a)retain the Security Token at all times and shall not permit any other person
to have access to, use or tamper with the Security Token issued, provided
or designated to such Customer User;(b)

not reveal the OTP generated by his Security Token to anyone; and(c)not divulge the serial number (where applicable) of his Security Token toanyone.

5.5

Each UOB Group Bank shall be entitled to rely on and treat any Instruction made,submitted or effected whether by the use of any Security Token issued, provided ordesignated to any Customer User or any Password generated by such Security
Token (and whether or not in conjunction with any Password of any Customer User
and/or User ID of the Customer or otherwise) as having been made, submitted oreffected by that Customer User for and on behalf of the Customer unless notice of theloss of such Security Token has been given in such form and by such means as theUOB Group Bank may deem satisfactory and has been received by the UOB GroupBank within such amount of time in advance of such Instruction as the UOB GroupBank would reasonably require (having regard to all the circumstances thenprevailing) to enable it to take appropriate action to prevent such Instruction frombeing received, acted upon and implemented. The provisions of this Clause 5.5 shallcontinue to apply to any Security Token issued, provided or designated to any
Customer User notwithstanding the revocation and termination of the Customer
User’s authorisation to use of the Security Token.

5.6

Each UOB Group Bank reserves the right to terminate, suspend, cancel, reject,decline to renew or replace any Security Token with or without prior notice to theCustomer or the Customer User to whom the Security Token has been issued,
provided or designated, and without giving any reason therefor. The Customer shallprocure that the Customer User shall not after the termination of any Service or
Account use the Security Token in relation to the Service or Account that has been
terminated.

5.7

Each UOB Group Bank shall have no liability for breach of any implied term as tosatisfactory quality, merchantability or fitness for purpose of any Security Token, andshall not be held liable for any Loss incurred in relation thereto.

6.

Password and User ID

6.1

The Customer undertakes to procure:(a)that no person shall be permitted or shall have access or knowledge of any
User ID or Password of any Customer User except such Customer User;(b)that each Customer User:(i)shall keep confidential and not divulge to any person the User ID
and/or Password of such Customer User;(ii)

shall immediately memorise that User ID and Password and where

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applicable, destroy the envelope or document in which that User ID
and Password are stated;(iii)

shall not record that User ID and/or Password in any form; and(iv)

shall immediately after such Customer User has reason to believethat any person may have acquired knowledge of that User ID and/or
Password notify each UOB Group Bank thereof.

6.2

Each UOB Group Bank shall be entitled to rely on and treat any Instruction made,submitted or effected pursuant to the entry or use of the User ID and the Password of
any Customer User or that Password alone (and whether or not in conjunction with or
generated by any Security Token or otherwise) as having been made, submitted oreffected by that Customer User for and on behalf of the Customer unless notice of thedisclosure or unauthorised use of the User ID and Password to effect any Instruction
has been given by the Customer or that Customer User in such form and by suchmeans as the UOB Group Bank may deem satisfactory and has been received by theUOB Group Bank within such amount of time in advance of such Instruction as theUOB Group Bank would reasonably require (having regard to all the circumstancesthen prevailing) to enable it to take appropriate action to prevent such Instruction frombeing received, acted upon and implemented.

7.

Security

7.1

The Customer agrees to comply with and to procure that the Customer Users comply
with the terms of this Agreement and any other instructions or recommendations eachUOB Group Bank may issue to the Customer regarding security in relation to use of
Business Internet Banking and the Services.

7.2

The Customer acknowledges that security is a paramount concern in its access toand use of the Business Internet Banking and/or the Services and agrees that it issolely responsible for the set-up, maintenance and review of its security
arrangements concerning access to and use of Business Internet Banking and theServices, its Equipment and information stored therein and the Customer’s and any of
the Customer Users’ control of User ID, Passwords, Security Tokens and access to
Business Internet Banking and/or the Services and for the Instructions and/or thetransactions made or effected, or purported to be made or effected, by the Customer
or the Customer Users. The Customer bears the risk of any unauthorised use and/or
access to Business Internet Banking and/or the Services, its Equipment andinformation stored therein, User ID, Passwords and/or Security Tokens.

7.3

The Customer and/or the Customer Users must notify the relevant UOB Group Bank
immediately if the Customer or any Customer User knows of or suspects any
unauthorised access to Business Internet Banking and/or the Services or any
unauthorised transaction or Instruction or if the Customer suspects someone elseknows the User ID and Passwords of one or more of the Customer Users and/or hasaccess to their Security Tokens. In the event of any such breach or suspected breachof security, the Customer must ensure that all the Customer Users change their
Passwords immediately. The Customer agrees to comply immediately with allreasonable requests for assistance from the UOB Group Bank and/or the authorities(including the police, among others) in trying to recover any losses or identify actualor potential breaches of security.

7.4

If a Customer User is leaving the employ of the Customer or is no longer authorised
or instructed by the Customer to utilise Business Internet Banking and/or the Services
for any reason whatsoever or if the Customer suspects any impropriety on the part ofany Customer User in connection with the use of Business Internet Banking and/or
the Services, the Customer must immediately:(a)inform the relevant UOB Group Bank of any aforesaid eventuality;

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(b)take all steps to ensure that the Customer User is replaced; and(c)prevent further access to Business Internet Banking and/or the Services,
including but not limited to submitting a request or Instruction to the UOBGroup Bank to revoke the Customer User’s User ID and Password.

7.5

The Customer hereby requests and authorises the relevant UOB Group Bank fromtime to time without further authority or notice from the Customer to: (a) act upon any
request or Instruction to re-set any User ID, Password; (b) revoke and/or deactivate
any Security Token of a Customer User; (c) issue and/or replace a Security Token of
any Customer User; and/or (d) specify the mode of which the Customer can makesuch request or Instruction. In addition, the Customer agrees that the UOB GroupBank shall not be liable to the Customer or any third party for any Loss or damage
suffered by the Customer or any third party arising from any such request or
Instruction being unauthorised or fraudulent or otherwise.

7.6

The Customer shall comply with the applicable authentication methods or any othermethods implemented by any UOB Group Bank from time to time.

8.

Customer’s Other Obligations

8.1

The Customer shall not use or disclose any material and/or information on theWebsite pertaining to Business Internet Banking and/or the Services other than toaccess and use the Business Internet Banking and/or the Services. In addition, theCustomer shall procure that none of the Customer Users shall use or disclose any
material and/or information on the Website pertaining to Business Internet Banking
and/or the Services other than to access and use the Business Internet Banking
and/or the Services. The Customer further undertakes not to reproduce, sell,
distribute or in any way whatsoever allow any third party access to the aforesaid
material and/or information provided by the UOB Group Bank on or via Business
Internet Banking.

8.2

The copyright in and to the contents of the Website (save for information pertinent to
the Customer’s Account(s)) is owned by or licensed for use by the UOB Group Banks.
No part or parts of such contents may be reproduced, distributed, published, modified,displayed, broadcasted, hyperlinked or transmitted in any manner or by any means
stored in an information retrieval system without the prior written consent of the UOBGroup Banks. The trade and service marks displayed on the Website are the soleand exclusive property of the UOB Group Banks and/or other relevant third parties.
No right or licence is given for any reproduction or use of any such trade and service
marks.

8.3

In the event that the Customer, or any of the Customer Users receives or retrieves
any data or information from the Business Internet Banking and/or the Services that is
not intended for the Customer, the Customer shall immediately notify the relevant
UOB Group Bank, and procure that the UOB Group Bank is notified, of such receipt
or retrieval of such information, and delete and destroy and procure the deletion anddestruction of such information.

8.4

The Customer shall respond to all enquiries and communications from the UOBGroup Bank regarding Business Internet Banking and the Services or any transaction
effected or service provided through Business Internet Banking.

8.5

The Customer shall ensure that:(a)any person appointed by the Customer as the Customer User has sufficientknowledge and skill to properly operate and maintain all Equipment andsoftware installed or used by the Customer to enable the Customer toaccess and utilise Business Internet Banking and the Services;

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(b)every Customer User acquires full and complete knowledge of all featuresand settings of all BIB Software before the Customer commences utilising
Business Internet Banking or any Service; and(c)every Customer User shall operate and maintain all such Equipment andsoftware referred to in Clause 8.5 (a) above competently and properly andin accordance with the requirements of the Customer and with suchprocedures and requirements as may be stipulated from time to time by theUOB Group Bank with respect to Business Internet Banking or any Service.

8.6

The Customer shall be responsible for all the actions of the Customer User.

8.7

The Customer acknowledges and agrees that as part of the Services, the BIB Mobile
Services application can send Push Notifications to the Customer’s Equipment. EachUOB Group Bank shall not be liable to the Customer or any third party for any Losscaused by or arising from any inaccurate or incomplete content in the Push
Notification, non-delivery or delayed delivery of any Push Notification, or any relianceby the Customer or any other party on the content of the Push Notification. The
Customer shall take all steps necessary to allow BIB Mobile Services to send Push
Notifications to the Customer’s Equipment, including enabling Push Notifications
through the BIB Mobile Services application.

9.

Company Signatories, Mandate Change and Corporate Resolution

9.1

This Agreement shall apply and continue to apply notwithstanding any mandate of the
Customer which may have been given or which may be subsequently given to or
accepted by the UOB Group Bank with respect to any Account or Service (whether
currently or subsequently maintained with the UOB Group Bank).

9.2

For the purposes of Clause 9.3, the term “Mandate Change” means any addition,
removal, deletion or substitution of any person as a Company Signatory or any
amendment, variation or revision of the scope, extent or limit of the authority
conferred on any Company Signatory by the Customer.

9.3

The UOB Group Bank shall not have any obligation whatsoever to act upon andimplement any Mandate Change:

9.4

(a)

unless written notice of the Mandate Change has been given to the UOBGroup Bank in a form prescribed by or acceptable to the UOB Group Bankand in accordance with the UOB Group Bank’s operational procedures;(b)

unless and until the UOB Group Bank is satisfied that the Mandate Change
has been duly authorised by the Customer; and(c)until, in the event that and after the UOB Group Bank is satisfied that the
Mandate Change has been duly authorised by the Customer, such amountof time which the UOB Group Bank would reasonably require (having
regard to all the circumstances then prevailing) to enable the UOB GroupBank to take the appropriate action to act upon and implement the Mandate
Change shall have elapsed.

Where the UOB Group Bank is notified by the Customer that any resolution of theboard of the directors of the Customer has been passed or any document has been
executed by the Customer authorising any person or persons to take any action orenter into any agreement on behalf of the Customer or conferring any authority on
any person or persons to act in any way on behalf of the Customer, the UOB GroupBank shall be entitled to assume that such authority as has been rightfully conferredon those person or persons and has not been revoked by the Customer until notice of
revocation has been given to the UOB Group Bank by the Customer.

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10.

Fees and Reimbursements

10.1

The Customer shall pay each UOB Group Bank all its fees, commissions and othercharges at such rates and in such manner as the UOB Group Bank may impose andstipulate from time to time with respect to:(a)the provision of the Services;(b)the execution or implementation of any Instruction;(c)the issue or provision of any Security Token, User ID or Password to theCustomer or any Customer User; and(d)such other matters and transactions as it may determine from time to time.

10.2

Each UOB Group Bank shall be entitled to charge the Customer any goods andservices tax or value added or other similar tax imposed by any Applicable Laws on
any fees or charges payable by the Customer to it or for the provision of any Service
or other service to the Customer.

10.3

The Customer shall reimburse each UOB Group Bank for any and all disbursements,
costs and/or other expenses incurred by it in connection with:(a)the execution or implementation of any Instruction; or(b)such other matters or transactions as it may determine from time to time.

10.4

Each UOB Group Bank shall be entitled to debit without prior notice any Account at
any time in respect of any fees, commissions or other sums due or payable by the
Customer to it.

11.

Authorisation to Disclose Information

11.1

The Customer expressly and irrevocably authorises and permits each UOB GroupBank and each of its Officers to divulge, reveal or disclose any and all of theparticulars and information relating to the Customer, any Customer User (and theCustomer shall obtain such Customer User’s consent to such disclosure), any
Account or any Instruction at any time and from time to time to:(a)any UOB Group Bank and any corporation which is deemed to be a related
corporation of any UOB Group Bank by virtue of section 6 of the Singapore
Companies Act, Cap. 50, or other Applicable Laws;(b)

any Customer Affiliate which accesses and utilises Business Internet Banking
and Services;(c)

all courts, governmental agencies and lawful authorities in Singapore andelsewhere where the disclosure is required by the Applicable Laws;(d)any person which the UOB Group Bank or any Officer in good faith considers
to be appropriate for the purpose of providing the Services, including any
agents, contractors or third party service provider which have agreed toperform works or services for the UOB Group Bank in connection with andwhich affect or may affect the operation of any Account or Service orBusiness Internet Banking;(e)any person in connection with the use or maintenance of any Account orService or the provision by any UOB Group Bank of any service to theCustomer or any person who owns, operates, provides or maintains any partof any Equipment relevant to the provision of Business Internet Banking or

United Overseas Bank Limited Co. Reg. No. 193500026Z
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any Service;(f)

any guarantor or surety of any indebtedness, liability or obligation of the
Customer, including any person who provides any security to any UOBGroup Bank for any such indebtedness, liability or obligation;(g)

any depository system for the purposes of storing or transferring suchinformation to any UOB Group Bank;(h)to any UOB Group Bank’s professional advisors; or(i)any other person at any time where the particulars of any Account were
inadvertently divulged, revealed or disclosed to or accessed by such person
through no wilful default of the UOB Group Bank or its relevant Officer(s).

For the purposes of this Clause 11.1, “Customer Affiliate” means any person, body
corporate, partnership, firm or other entity:(i)in which the Customer directly or indirectly owns more than half thecapital or business assets, or which directly or indirectly owns morethan half the capital or business assets of the Customer; or(ii)

in which the Customer directly or indirectly has the power to exercise
fifty percent (50%) or more of the voting rights in such entity, or which
directly or indirectly has the power to exercise fifty percent (50%) or
more of the voting rights in the Customer; or(iii)

in which the Customer directly or indirectly has the legal power todirect or cause the direction or general management or affairs of theentity in question, or which directly or indirectly has the legal power todirect or cause the direction or general management or affairs of the
Customer; or(iv)

in which the Customer directly or indirectly has the power to appoint
more than half the members of the supervisory board, board of
directors or bodies legally representing such entity, or which directly
or indirectly has the power to appoint more than half the members of
the supervisory board, board of directors or bodies legally
representing the Customer; or(v)

in which the Customer directly or indirectly has the right to manage
the business of such entity, or which directly or indirectly has the rightto manage the business of the Customer.

11.2

The provisions of Clause 11.1 are in addition to any other authorisations andconsents of the Customer to any UOB Group Bank with respect to the use and/or
disclosure of information relating to the Customer, any Customer User, any Service or
Account or any Instruction.

12.

Suspension, Variation and Termination of Business Internet Banking Service
and Other Provisions

12.1

Business Internet Banking may be suspended or terminated by the UOB Group Bankat any time either with respect to any Service or any service or facility provided
through Business Internet Banking or generally, without any prior notice being given
to the Customer.

12.2

Business Internet Banking may be varied by the UOB Group Bank at any time eitherwith respect to any Service or any service or facility provided through Business
Internet Banking or generally by giving notice thereof to the Customer.

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12.3

The Customer may terminate this Agreement by giving at least thirty (30) days priorwritten notice thereof to any UOB Group Bank.

12.4

Any UOB Group Bank may terminate this Agreement with immediate effect by noticeto the Customer, if the Customer commits a material breach of this Agreement or the
Customer, under the laws of any applicable jurisdiction: (a) becomes or is deemed
insolvent; (b) becomes or is deemed unable to pay its debts; (c) files for winding up or
has been ordered to be wound up pursuant to a court order; (d) has a receiver,liquidator, provisional liquidator, or administrator appointed over any of its assets orundertakings; (e) enters into an arrangement with any creditors or class of creditors;(f) enters into judicial management; or (g) ceases to do business.

12.5

Termination shall be without prejudice to any rights of either Party which may haveaccrued up to the date of such termination and the rights to terminate this Agreement
are not intended to be exclusive but shall be in addition to every other remedy or right
now or hereafter existing.

12.6

The Customer must ensure that neither it, the Customer Users, any employees,
agents or representatives do anything on or after termination of this Agreement which
will result in the security of Business Internet Banking or the systems or securities ofany other Business Internet Banking customers being compromised.

12.7

Where the Customer utilises any Service or any service or facility provided throughBusiness Internet Banking, the Customer shall be deemed to have agreed to all theterms and conditions relating to the provision of such Service or service or facility
which are then imposed by the UOB Group Bank providing such Service, service or
facility.

12.8

The termination of the Services shall not in any way affect any outstanding
Instructions for payment service under the Services received prior to the termination,
which Instructions shall survive, and the UOB Group Bank is entitled to continue to
execute and the Customer shall honour such Instructions unless a countermand has
been received in accordance with Clause 4.6 hereof.

12.9

The hours of operation of Business Internet Banking are subject to change without
prior notice to the Customer. The UOB Group Bank shall use reasonable endeavours
to ensure that Business Internet Banking will be available during the times set out in
Business Internet Banking or elsewhere provided that nothing herein shall beconsidered or be deemed as a warranty by the UOB Group Bank that Business
Internet Banking will be available (whether uninterrupted or available at all) during
such specified times.

13.

Exclusions

13.1

In addition and without prejudice to any other right or remedy which any UOB GroupBank may have (at law or otherwise), so long as that UOB Group Bank acts in goodfaith in acting upon or carrying out any Instruction, that UOB Group Bank shall not beliable to the Customer in any respect for any Loss suffered by the Customer causedby or arising in any way from that UOB Group Bank’s execution or implementation ofthat Instruction or any matter arising therefrom and notwithstanding any breach bythat UOB Group Bank of its obligations to the Customer.

13.2

Each UOB Group Bank shall not be liable to the Customer for any Loss caused by orarising from any one or more of the following events or matters, howsoever caused oroccurring:(a)any incompatibility between the Customer’s Equipment and Business Internet
Banking, including but not limited to any adverse outcome, damage, loss,
disruption, violation, irregularity or failure arising from the use of or reliance

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on computer hardware, software, mobile devices, electronic devices, online
networks and/or Internet browsers;(b)

any virus, default, defect, deficiency, harmful component or malfunction in the
Security Token and/or any breakdown, disruption or failure of the Security
Token or any software (including any BIB Software) or any Equipment(whether or not owned, operated or maintained by the UOB Group Bank, theCustomer, any Customer User, or any other person and whether or not usedin the provision or operation of any Account or Service), including but notlimited to:(i)

the inability or failure of any such software, Equipment to accept
and/or recognise and/or properly and accurately store, process
and/or transmit dates or data incorporating or relying on dates, or theprocessing, storage and/or transmission of any inaccurate date ordata by virtue of such inability or failure of any such Equipment;(ii)

the failure of any such software, Equipment to accept, recognise orprocess any Password or User ID or Instruction; and(iii)

the transmission of any virus to any such software, Equipment;(c)

any unauthorised or negligent use and/or access to information relating to theCustomer’s Account(s), Instructions and other instructions issued by the
Customer to the UOB Group Bank as a result of the Customer’s use of
Business Internet Banking (except where such access is obtained as a resultof such UOB Group Bank’s gross negligence or wilful default);(d)any loss or theft of any Customer User’s User ID(s), Password(s) and/or
Security Token(s);(e)

any failure or refusal by the UOB Group Bank to effect any instructions givenby the Customer or any Instructions, due to any order of court, any authority'sorder, notice, directive or any statute, regulation or by-law;(f)

any error(s) in transmission of the Customer’s Instructions or any other
instructions, data or information of the Customer’s that ought to betransmitted through Business Internet Banking;(g)

any inaccurate, garbled or incomplete Instructions or any other instructions,data or information that might be transmitted through the Business Internet
Banking by the Customer or any Customer User to the UOB Group Bank;(h)any failure of the Customer to follow the latest instructions, procedures,
directions or recommendation for using the Business Internet Banking;(i)any delay in the payment, delivery or non-delivery of any document ormaterial whatsoever under this Agreement, including any delay by third
parties;(j)any delay or refusal by the Customer to execute Instructions or other
instructions that might be transmitted through Business Internet Banking;(k)

any loss resulting from the Customer’s reliance on any news, reports or any
other information that may be provided as part of, or by means of theServices or Business Internet Banking;(l)

any loss associated with systems failures, processing errors, software
defects, operating mistake, hardware breakdowns, capacity, inadequacies,
network vulnerabilities, control weaknesses, security shortcomings, malicious

United Overseas Bank Limited Co. Reg. No. 193500026Z
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attacks, hacking incidents, fraudulent actions and inadequate recovery
capabilities which may arise despite the UOB Group Bank’s best efforts;(m)any disclosure of any information to third parties arising as a result of the
Customer’s or any Customer User’s negligence or failure to keep the User
ID(s), Password(s) and Security Token(s) confidential;(n)any cessation, interruption or delay in transmission or any wrongfulinterception of any Instruction through any Equipment (whether or not owned,
operated or maintained by the UOB Group Bank or by any other person andwhether or not used in the provision or operation of any Account, Service orBusiness Internet Banking);(o)any corruption or loss of any data (whether stored in any Equipment,
whether belonging to or operated by the UOB Bank Group or the Customer)
or Instruction or in the course of transmission thereof through any Equipmentused or operated by the UOB Group Bank or any other person whether or notin connection with any Account or the provision or operation of any Service orBusiness Internet Banking, including any errors generated in the transmissionof any data or Instruction;(p)

any cessation or interruption of the availability or operation of Business
Internet Banking;(q)

any failure or refusal of the UOB Group Bank or any other person to accept
or honour any Instruction;(r)

any inaccuracy or incompleteness in any information obtained from the use of
any facility or service comprising the Services; and(s)any breach of any of the UOB Group Bank’s obligations or duties to theCustomer caused by or arising from any one or more of the events or mattersset out in any one or more of the foregoing sub-paragraphs of this Clause
13.2.

13.3

Without prejudice to the generality of the foregoing and notwithstanding any provision
to the contrary in this Agreement or in any other agreement between any UOB GroupBank and the Customer, no UOB Group Bank shall in any event be liable to theCustomer for any indirect, special or consequential Loss, or for punitive damages,
whether arising from any breach of the UOB Group Bank’s obligations to theCustomer or otherwise.

13.4

No representation or warranty is made or given by any UOB Group Bank to theCustomer or any person and no obligation or liability is assumed by any UOB GroupBank to the Customer or any person as regards the availability or continued
availability or operation of any Service or any service or facility through Business
Internet Banking or any Equipment (whether or not provided, operated or maintainedby any UOB Group Bank or otherwise) notwithstanding any provision to the contraryin this Agreement.

13.5

Without prejudice to anything herein, the Customer shall not make any claim orcommence any legal proceedings against any UOB Group Bank in respect of any
Loss incurred or suffered by the provision or utilisation of Business Internet Banking
or any transaction effected through Business Internet Banking for which that UOBGroup Bank is liable to the Customer, more than one (1) year after the later of (i) thedate when the event causing such Loss occurred; and (ii) the date of such transaction.
Any liability of any UOB Group Bank to the Customer in respect of any such Lossshall be limited to the sum equivalent to one hundred times the prevailing monthly
subscription fees for the Business Internet Banking Service.

United Overseas Bank Limited Co. Reg. No. 193500026Z
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14.

General Indemnity
In addition and without prejudice to any other right or remedy of any UOB GroupBank (whether under any other provisions of this Agreement or otherwise) the
Customer shall indemnify and hold the UOB Group Bank harmless from and against
any and all Loss suffered or incurred by the UOB Group Bank as a result of any of thefollowing:

15.

(a)

any failure by the Customer to comply with any of the terms and conditions of
this Agreement;(b)

any act or default of the Customer User in the operation and use of any
system or software (including any BIB Software) installed or used by the
Customer;(c)the UOB Group Bank relying or acting on or carrying out any Instruction inany manner permitted under this Agreement;(d)any change in any Applicable Laws;(e)any act, omission or thing done or caused to be done by the UOB GroupBank in connection with or referable to this Agreement or any Account orService through no wilful default of the UOB Group Bank, including but notlimited to the disclosure by any Officer to any person of any information
relating to any Service or Account or Instruction, whether by inadvertence orotherwise; or(f)any virus, default, defect, deficiency or malfunction in and or any breakdown,
disruption or failure of any software (including any BIB Software) or any
Equipment owned, operated and/or maintained by or on behalf of the UOBGroup Bank, due to or caused by the Customer or any of the Customer Users
accessing and/or utilising Business Internet Banking.

Force Majeure
In the event that any UOB Group Bank is unable to observe or perform the terms ofthis Agreement, whether in whole or in part, by reason of causes beyond its
reasonable control, including (but not limited to) Equipment or transmission linkmalfunction or failure, fire, flood, explosion, acts of elements, acts of God, acts ofterrorism, war (declared or undeclared), accidents, epidemics, strikes, lockouts,
power blackouts or failure, labour disputes, acts, demands or requirements of theSingapore Government or any other government or authority, or by other causes
which it cannot reasonably be expected to avoid, the performance of the UOB GroupBank’s obligations as they are affected by such causes shall be excused for theduration of the abovementioned disabling events. The UOB Group Bank shall not beliable for any delay, loss, damage or inconvenience whatsoever and howsoever
caused by or arising from or in connection with any of the abovementioned disabling
events.

16.

Miscellaneous

16.1

Any UOB Group Bank may amend, vary or supplement any terms or conditions of thisAgreement by giving notice thereof to the Customer by any means that UOB GroupBank deems fit, and any such amendment, variation or supplement shall take effectas between the Customer and that UOB Group Bank as from the date specified insuch notice or in the absence thereof as from the date of such notice.

16.2

If any of the terms and conditions of this Agreement is or becomes illegal, invalid or
unenforceable in any respect, the same shall not affect the legality, validity or
enforceability of any other term or condition.

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16.3

No failure to exercise or enforce and no delay in exercising or enforcing on the part ofany UOB Group Bank of its rights under any of the terms and conditions of thisAgreement or relating to any Account or Service shall operate as a waiver thereof nor
shall it in any way prejudice or affect the right of that UOB Group Bank afterwards toact strictly in accordance with the powers conferred on that UOB Group Bank undersuch terms and conditions.

16.4

This Agreement may, at any UOB Group Bank’s discretion, be translated into alanguage other than the English language. The Customer agrees that suchtranslation shall only be for its convenience and the English text shall prevail in theevent of any ambiguity, discrepancy or omission as between the English text and any
translated text.

16.5

Without prejudice to the generality of Clause 16.1 above, any and all notices to begiven under this Agreement may be communicated by post, facsimile transmission,
electronic mail or through Business Internet Banking or by online messages postedon the Website. If by post the notice will be taken to have been received forty-eight(48) hours after posting by the UOB Group Bank to the postal address most recently
notified by the Customer and if by facsimile transmission, electronic mail, throughBusiness Internet Banking or by online messages posted on the Website,
immediately on despatch.

16.6

Where the Customer is a partnership, this Agreement will continue in force unless
revoked by notice given by any one partner, notwithstanding any change of name ofpartnership, admission of new partner(s) or any partner ceasing to be a member ofthe partnership by reason of death or otherwise.

16.7

Where any UOB Group Bank introduces new services as part of the Services, theUOB Group Bank may provide them on supplementary terms which will be notified to
the Customer in accordance with this Agreement.

16.8

Subject to the applicable laws of evidence, each Party agrees not to object toadmission of the records (including computer records) of the other as evidence inlegal proceedings.

16.9

The Customer agrees not to dispute the validity, accuracy or authenticity of any
evidence of Instructions and communications transmitted electronically between theParties, including such evidence in the form of any UOB Group Bank’s computer
records of transaction logs, magnetic tapes, cartridges, computer printouts, copies ofany communication, or any other form of information storage.

16.10

The Customer also agrees to refer to and to treat all such records or logs, tapes,
cartridges, computer printouts, copies or other form of information storage as
conclusive evidence of all Customer Instructions and other communications received
or sent by any UOB Group Bank. The Customer further agrees that all such records
shall be binding upon the Customer and that the Customer will not be entitled todispute the validity or authenticity of the same.

16.11

All Instructions and communications that meet the operating standards andrequirements of any UOB Group Bank shall be deemed to be as good as, and given
the same effect as, written and/or signed documentary communications by the UOBGroup Bank.

16.12

Nothing in this Agreement shall affect any right of set-off or combination which any
UOB Group Bank has in relation to any Accounts which the Customer accesses
through Business Internet Banking.

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17.

Contracts (Rights of Third Parties)

17.1

A person who or which is not party to this Agreement shall not have any right toenforce any provision of this Agreement.

18.

Money Laundering

18.1

The UOB Group Banks are required to act in accordance with the laws andregulations operating in Singapore and various jurisdictions which relate to theprevention of money laundering, terrorist financing and the provision of financial andother services to any persons or entities which may be subject to sanctions(“Regulations”). Any UOB Group Bank may take any action which it, in its sole andabsolute discretion, considers appropriate to take in accordance with the Regulations.

18.2

No UOB Group Bank will be liable for loss (whether indirect or consequential andincluding, without limitation, loss of profit or interest) or damage suffered by any party
arising out of:(a)any delay or failure of any UOB Group Bank in performing any of its duties
under this Agreement or other obligations caused in whole or in part by any
steps which the UOB Group Bank, in its sole and absolute discretion,
consider appropriate to take in accordance with the Regulations; or(b)the exercise of any of the UOB Group Bank’s rights under this Agreement.

19.

Governing Law and Jurisdiction

19.1

This Agreement shall be governed by and construed in accordance with the laws of
the country as set out in the applicable Country Addendum.

19.2

The Customer submits to the non-exclusive jurisdiction of the courts of the country as
set out in the applicable Country Addendum with respect to any legal proceedings
which may be initiated in connection with this Agreement.

19.3

The Customer shall not commence or continue any legal proceedings against any
UOB Group Bank in any jurisdiction other than in the country stated in the applicable
Country Addendum with respect to any matter, claim or dispute so long as that UOBGroup Bank is prepared to submit to the jurisdiction of the courts of that country withrespect to that matter, claim or dispute and the Customer shall before commencing
proceedings against that UOB Group Bank in any jurisdiction with respect to any
matter, claim or dispute other than the country stated in the applicable Country
Addendum seek that UOB Group Bank’s written agreement to submit to that foreign
jurisdiction with respect thereto.

19.4

Service of any process or document by which any proceedings in any court in the
country stated in the applicable Country Addendum are commenced may be effectedin any manner permitted for communications hereunder.

20.

Personal Data Protection

20.1

The Parties agree to comply with all applicable data protection and other laws to thesame or similar purpose in all relevant jurisdictions.

20.2

The Customer agrees to the UOB Privacy Notice (Corporate), as may be amended
from time to time. The Customer represents, undertakes and warrants that it shallcomply with its obligations under the UOB Privacy Notice (Corporate).

20.3

Without prejudice to the foregoing sub-clauses, the Customer shall not do anything
and not omit to do anything that will cause the UOB Group Banks and/or their related

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corporations to be in breach of any applicable data protection law.
20.4

Notwithstanding anything to the contrary, the Customer undertakes to indemnify andat all times hereafter to keep the UOB Group Banks and their related corporations(together with their respective officers, employees and agents) (each an “Injured
Party”) indemnified against any and all Losses which may be suffered or incurred by
the Injured Party or asserted against the Injured Party by any person or entity(including but not limited to the Customer, his/her agents) whatsoever, in respect ofany matter or event whatsoever arising out of, in the course of, by reason of or in
respect of:(a)any breach of any of the provisions in this Clause; and/or(b)

any action or omission by the Customer, that causes the UOB Group Banks
and/or any of their related corporations to be in breach of any applicable dataprotection law.

United Overseas Bank Limited Co. Reg. No. 193500026Z
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Appendix 1 – Addendums
Brunei: https://www.uobgroup.com/web-resources/bn/pdf/infinity/bib/countryaddendum.pdf
Mainland China:• English: https://www.uobchina.com.cn/web-resources/wholesale/pdf/tb/uobinfinity/infinity-tnc-addendum-en.pdf• Simplified Chinese: https://www.uobchina.com.cn/webresources/wholesale/pdf/tb/uob-infinity/infinity-tnc-addendum-cn.pdf
Hong Kong: https://www.uobgroup.com/hk/uob-bib-countryaddendum-hongkong.pdf
Indonesia: https://www.uob.co.id/corporate/infinity/tnc.page
Malaysia: https://www.uob.com.my/infinity/pdf/Infinity-service-agreement-countryaddendum.pdf
Myanmar: https://www.uobgroup.com/web-resources/mm/pdf/infinity/bib/yangonaddendum.pdf
Philippines: https://www.uobgroup.com/web-resources/ph/pdf/products-services/infinity/uobbib-philippine-addendum.pdf
Singapore: https://www.uob.com.sg/web-resources/business/pdf/business/bib/uob-bibcountryaddendum-singapore.pdf
Taiwan:• English: https://www.uobgroup.com/web-resources/tw/pdf/en/product-andservices/infinity/bib-taiwan-addendum.pdf• Traditional Chinese: https://www.uobgroup.com/web-resources/tw/pdf/zh/productand-services/infinity/bib-taiwan-addendum.pdf
Vietnam:• English: https://www.uob.com.vn/webresources/commercial/pdf/commercial/en/eservices/uobv-bibplus-service-agreementcountry-addendum-vietnam-en.pdf• Vietnamese: https://www.uob.com.vn/webresources/commercial/pdf/commercial/vi/eservices/uobv-bibplus-service-agreementcountry-addendum-vietnam-vi.pdf

United Overseas Bank Limited Co. Reg. No. 193500026Z
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