If you do not meet any of the CKA (CFD) assessment criteria, you may attempt the 201cContracts for Difference 201d e-Learning module jointly developed by The Association of Banks in Singapore (ABS) and Securities Association of Singapore (SAS). The E-Learning portal defines the key features and risks of trading CFDs and allows retail investors to have a better understanding of the product before investing. Upon passing the CFD assessment, email the downloaded certificate from e-Learning portal together with your POEMS account number using your registered email address to your Trading Representative or cfd@phillip.com.sg.