The daily cut-off time for making EPS fund transfers is 9pm. For DBS, POSB, UOB and OCBC account holders, the arrangement is straight-forward. If the EPS fund transfer is made before 9pm, PSPL will receive the funds the next work day. For Citibank account holders, if the EPS fund transfer is made before 9pm from Monday to Saturday, PSPL will receive the funds the next work day. If the EPS fund transfer is made after 9pm on a Saturday, or anytime on a Sunday, or anytime on a Public Holiday, PSPL will receive the funds two work days later. Example 1 (For Citibank EPS linkage) EPS fund transfer made before 9pm on Saturday, PSPL will receive the funds one work day later (Monday). Example 2 (For Citibank EPS linkage) EPS fund transfer made after 9pm on Saturday or EPS fund transfer made anytime on Sunday, PSPL will receive the funds 2 work days later (Tuesday). Example 3 (For Citibank EPS linkage) EPS fund transfer made anytime on a Public Holiday, PSPL will receive the funds two work days later