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Interest-free Instalment Plans Terms and Conditions If you have applied to participate in the OCBC Instalment Payment Plan (the “Plan”), you authorise/agree/undertake with us as follows: (a) You authorise us to pay to the relevant merchant for your purchase of the relevant goods/services (in such manner as may be agreed between the merchant and us) and to debit your Card Account for the purchase price of the goods and services in the number of instalments indicated on the receipt containing details of the Plan. (b) We have the discretion to determine the size of each instalment payment as long as the total instalment payments do not exceed the purchase price. (c) The first instalment payment will be debited immediately from your Card Account when you purchase the goods and services.

Each subsequent instalment payment will be debited on or about the same day in each following month, until the purchase price has been completely debited to the Card Account. (d) You agree that the credit limit related to your Card Account will be reduced by such portion of the purchase price that is unpaid, although the same may not be posted to your Card Account as yet. (e) If any instalment payment debited to your Card Account is not received by us in full when due, you must pay us the finance charges, interest and fees on the outstanding amounts at our prevailing rate. (f) We may at our discretion and without notice to you debit the whole balance of the purchase price then outstanding to your Card Account at any time, in which case such balance will be immediately due and payable by you.

(g) If for any reason whatsoever, there is any cancellation or termination of the instalment payment plan and/or the OCBC credit card account prior to full and final settlement of the instalment purchase price, an administrative fee of S$150 is payable in addition to making full and final settlement of the instalment purchase price or the balance thereof. The administrative fee payable may be revised by OCBC Bank from time to time in its sole and absolute discretion. (h) We may at our discretion impose an administrative fee at such rate as we may determine if the Plan is terminated (whether arising from the termination of your Card Account or otherwise) or if you make a prepayment of any amount under the Plan. We may not offer or make available any Plan in respect of any amounts charged via a Digital Payment System.

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(i) We reserve the right at our absolute discretion to terminate the Plan without prior notice. (j) We will not be responsible for the quality, merchantability or the fitness for any purpose or any other aspect or any other dispute between you and the merchants relating to any goods or services purchased under the Plan. You hereby authorise us to continue to debit the instalment payments from your Card Account regardless of any such disputes. (k) You shall indemnify and keep us fully indemnified against all claims, demands, action, proceedings, losses, damages, costs and expenses of any nature (including legal costs on an indemnity basis) incurred, suffered or sustained by us, directly or indirectly, by reason of or in connection with this Plan. (l) Our decision on all matters relating to the Plan will be at our absolute discretion and will be final and binding on you. No correspondence shall be entertained.

(m) The Plan and these terms and conditions shall be governed by the laws of Singapore and you irrevocably submit to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to any agreement governed by these terms and conditions shall have no rights under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions. (n) These terms and conditions shall be read in conjunction with OCBC Credit Cardmembers Agreement (the 'Other Terms and Conditions'). In the event of any inconsistency between these terms and conditions and the Other Terms and Conditions, these terms and conditions prevail. (o) Other terms and conditions apply. Please check with participating merchants for their full terms and conditions.