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We believe that you come first At Standard Chartered Bank, we ve made banking even more convenient and easy for you with a choice of how and where you d like to bank. Our complete banking services include: Network of branches shared ATM network Phone Banking (Dial toll-free 1800 747 7000) Internet Banking (standardchartered.com.sg) SMS Info-On-Demand at 9012 7000 NETS payment islandwide Global access to Cirrus and Maestro Networks
Contents Singapore Dollar (SGD) Savings and Chequing Accounts 2 Foreign Currency (FCY) Savings and Chequing Accounts 4 Time Deposit Accounts 6 Remittances Telegraphic Transfers (TT) Drafts/Cheques Cheque Charges Travellers Cheques Cashier s Orders (CO) GIRO Standing Instruction (SI) 7 8 9 9 10 10 10 Safe Deposit Box 11 Other Services 12 Priority Banking 14 Preferred Banking 15 Summary of Charges 16 Call 1800 747 7000 or visit standardchartered.com.sg
Singapore Dollar (SGD) Savings and Chequing Accounts Savings Accounts e$aver Account Min. initial deposit S$0 Min. average daily balance S$0 Fall-below fee S$0 Early account closure fee (within fi rst 6 months) S$0 Basic Bank Account Min. initial deposit S$20 1 Min. average daily balance S$0 Monthly service charge Fall-below fee S$0 Early account closure fee (within fi rst 6 months) S$30 Passbook replacement fee S$30 Savings Account Min. initial deposit S$2,000 Min. average daily balance S$2,000 Fall-below fee S$5 Early account closure fee (within fi rst 6 months) S$30 Passbook replacement fee S$30 S$2 1 (regardless of balance) Special Savers Account (For existing accounts only) Min. average daily balance S$10,000 1 Fall-below fee S$20 Passbook replacement fee S$30 Savings Accounts for kids e$aver Kids! Account Min. initial deposit S$0 Min. monthly contribution S$50 (GIRO/Standing Instruction) Min. average daily balance S$0 Fall-below fee S$0 Early account closure fee (within fi rst 6 months) S$0 Children Development Account (For applicants with MCYS Letter of Authorisation only) Min. initial deposit S$0 Min. average daily balance S$0 Fall-below fee S$0 Early account closure fee (within fi rst 6 months) S$0 Junior Savings Account (For existing accounts only) Min. monthly contribution S$100 1 Fall-below fee S$5 2
Chequing Accounts XtraSaver Min. initial deposit S$0 Min. average daily balance S$3000 Fall-below fee S$5* Monthly service charge S$0 Unarranged overdraft Prime + 5%, Min. S$5 Early account closure fee (within fi rst 6 months) S$30 Membership fee Chequebook S$15 per annum 1st book free. Thereafter, S$15 per book * With effect from 1 June 2011, fall below fee will be charged from second month after account opening, if minimum average daily balance is not met SuperSalary Min. initial deposit S$0 Min. average daily balance S$0 Fall-below fee S$0 Monthly service charge S$0 Non inward credit fee S$5^ Unarranged overdraft Prime + 5%, Min. S$5 Early account closure fee (within fi rst 6 months) S$30 Chequebook ^ With effect from 1 June 2011, non inward credit fee will be charged from fourth month after account opening, if there is zero or less than $1500 credit received into the account. Cheque & Save Account Min. initial deposit S$5,000 (Personal and Corporate) S$3,000 S$5,000 S$7.50 Account opened BEFORE 1 Feb 2007 Account opened AFTER 1 Feb 2007 Fall-below fee Monthly service charge S$2 per month Unarranged overdraft Prime + 5%, Min. S$5 Early account closure fee (within fi rst 6 months) S$30 (Personal) S$50 (Corporate) Chequebook OneAccount (For existing accounts only) Min. average daily balance S$8,000 Fall-below fee S$7.50 Monthly service charge S$3 per month Unarranged overdraft Prime + 5%, Min. S$5 Chequebook 1 Waived for recipients of the MCYS Public Assistance Scheme/Special Grant Scheme. Note If the account has a balance of $0 and is inactive for six consecutive months, it will be closed automatically. The charges are applicable for Personal & SME accounts only. 3
Foreign Currency (FCY) Savings and Chequing Accounts Savings Account FCY$aver Account Min. initial deposit Min. Average daily balance USD$2,000 equivalent Fall-below fee AUD A$2,000 A$5 CAD C$2,000 C$5 CHF 2,000 francs 5 francs EUR 1,000 3 GBP 1,000 2 HKD HK$15,000 HK$30 JPY 200,000 500 NZD NZ$2,000 NZ$5 USD US$2,000 US$5 Early account closure fee (within fi rst 6 months) US$20 Chequing Accounts USD High Account Min. initial deposit US$1 Min. average daily balance US$0 Fall-below fee US$0 Monthly service charge US$0 Unarranged overdraft Prime + 5%, Min. S$5 Early account closure fee (within fi rst 6 months) US$20 4
Current Account Min. initial deposit US$1,000 equivalent (Personal) US$5,000 equivalent (Corporate) Min. Average daily balance Fall-below fee 2 AUD A$5,000 A$30 CHF 5,000 francs 30 francs EUR 3,000 20 GBP 2,000 15 HKD HK$30,000 HK$200 NZD NZ$5,000 NZ$30 USD US$5,000 US$30 Monthly service charge Unarranged overdraft Early account closure fee (within fi rst 6 months) Chequebook US$0 Prime + 5%, Min. US$5 US$20 (Personal) US$30 (Corporate) Cheque and Save Account Min. initial deposit Min. average daily balance US$1,000 equivalent (Personal & Corporate) Fall-below fee AUD A$5,000 A$10 A$2 Monthly service charge CHF 5,000 francs 10 francs 2 francs EUR 3,000 5 1 GBP 2,000 5 1 HKD HK$30,000 HK$75 HK$15 JPY 500,000 1000 200 NZD NZ$5,000 NZ$10 NZ$2 USD US$5,000 US$10 US$2 Unarranged overdraft Early account closure fee (within fi rst 6 months) Chequebook Prime + 5%, Min. US$5 US$20 (Personal) US$30 (Corporate) 2 Charges will be imposed once every 6 months. Note If the account has a balance of $0 and is inactive for six consecutive months, it will be closed automatically. The charges are applicable for Personal & SME accounts only. Charges will be imposed once every 6 months. 5
Time Deposit Accounts Singapore Dollar Time Deposit Min. initial deposit: Tenor of 7 days (1 week) Tenor of 1 month to 60 months S$500,000 S$5,000 Foreign Currency Time Deposit Min. initial deposit (according to the currency of the deposit): USD US$5,000 GBP 5,000 AUD A$5,000 EUR 5,000 NZD CAD CHF HKD NZ$5,000 C$25,000 25,000 francs HK$25,000 JPY 3,000,000 Min. tenor Premature Uplift Handling charge 1 week US$25 Note A premature termination of a Time Deposit is subject to our terms and conditions. You may earn less or no interest if you withdraw your Time Deposit before it matures. A penalty may also be imposed. In addition, the penalty imposed on the early withdrawal of the Foreign Currency Time Deposit before maturity may result in you getting lesser than the original amount deposit with us. 6
Remittances Inward Telegraphic Transfers (ITT) Credit SGD account: in SGD S$10 in FCY Credit FCY account: in SGD in FCY to same currency account S$10 equivalent in FCY to different currency account via MEPS: Outward Telegraphic Transfers (OTT)* Debit SGD account Handling commission 1/8% comm. Min. S$30, Max. S$100 Debit FCY account (incl. Time Deposits) Handling commission 1/8% comm. Min. US$20, Max. US$70 plus: Commission in lieu 1/8% in lieu of exchange; Min. US$10, Max. US$700 via MEPS S$20 Reimbursement cover: SGD OTT S$20 FCY OTT US$15 For World Partner customers: Outward Telegraphic Transfer commission is waived. Reimbursement cover is applicable regardless of destination. Fees imposed by other banks are also applicable and will be borne by the remitter. Note 1. Cover charge is applicable if paid in third country currency. 2. Additional S$5 is applicable for AUD transfers. * Special pricing for Priority Banking and Preferred Banking customers. Refer to page 14 and 15 for more details. 7
Remittances Inward Drafts/Cheques Correspondent bank drafts drawn on Standard Chartered Bank Credit to account SGD bank drafts drawn by overseas Standard Chartered Bank on Standard Chartered Bank Singapore Credit SGD account FCY drafts/cheques drawn on banks in Singapore Credit SGD/FCY account: USD Other currencies S$10 FCY drafts/cheques drawn on overseas banks Credit SGD account 1/8% comm. Min. S$25, Max. S$200 (incl. of postage) Credit FCY account 1/8% comm. Min. US$15, Max. US$120 (incl. of postage) Outward Drafts/Cheques Issuance Debit SGD account 1/8% comm. Min. S$30, Max. S$100 Debit FCY account (incl. Time Deposits) 1/8% comm. Min. US$20, Max. US$70 plus: 1/8% in lieu of exchange, Min. US$10, Max. US$700 Cable cost/tracers for draft investigations: SGD draft S$20 per draft FCY draft US$15 per draft Amend/Replace draft SGD draft S$30 plus: cable cost (if applicable) FCY draft Note For FCY drafts/cheques drawn on overseas banks and banks not participating in the Cheque Truncating System, the following charges are applicable, if any: 10 days overdraft interest Drawee bank charges Collection bank charges Additional S$5 is applicable for AUD drafts/cheques. 8 US$20 plus: cable cost (if applicable) Cancel/Refund draft (based on prevailing buying rate): Credit SGD account S$20 plus: cable cost (if applicable) Credit FCY account US$15 plus: cable cost (if applicable)
Cheque Charges Stop payment: SGD FCY Return cheque: SGD FCY S$40 per cheque US$30 per cheque S$50 per cheque US$30 per cheque Cheque image retrieval: Clearing date within 1 year S$20 Between 1 to 3 years S$30 More than 3 years S$50 Direct marking of cheques S$100 Immediate clearing of in-house cheques over-the-counter: SGD cheques S$30 per cheque FCY cheques US$20 per cheque Travellers Cheques (only available in Battery Road Branch and Scotts Mall Branch) Encashment Issued by SCB Singapore Issued by other banks: Credit SGD account Credit FCY account 1/8% comm. Min. S$25, Max. S$200 (incl. of postage) 1/8% comm. Min. US$15, Max. US$120 (incl. of postage) Note Cover charge is applicable if paid in 3rd country currency. For encashment of Travellers Cheques issued by other banks, the following charges are applicable, if any: 10 days overdraft interest Drawee bank charges Collection bank charges 9
Remittances Cashier s Orders (CO) (only available in SGD) Issuance Debit from SGD account: to own name to third party name(s) S$5 Replacement/Amendment S$10 First CO, free. Thereafter, S$5 per CO. (per transaction) Debit from FCY account: to own name to third party name(s) Replacement/Amendment First CO, free. Thereafter, US$3 per CO. (per transaction) US$3 equivalent US$10 Cancel/Refund CO Credit SGD account S$5 Credit FCY account US$3 GIRO GIRO arrangement GIRO return (including due to insuffi cient funds) Amendment S$10 per return S$10 per amendment Standing Instruction (SI) Automated Manual monitoring Amendment S$10 per set up S$50 per payment S$10 per amendment SI return due to insufficient funds S$50 10
Safe Deposit Box Service Charges Key Deposit Fee (refundable): Singaporeans and PR S$150 Foreigners S$200 Addition/Change/ Revocation of Nomination S$10 each Change of safe deposit box S$20 Break box charges due to lost key S$210 (Key Deposit Fee is non-refundable) Inventory for estate duty/ S$30 deceased customers Battery Road Branch To check on availability, call 6530 3145 Box size in inches Annual rental rate* 4.75 x 3.5 x 20.0 S$150 7.5 x 3.5 x 20.0 S$250 8.0 x 4.0 x 24.0 S$300 10.0 x 5.0 x 24.0 S$450 7.5 x 7.5 x 18.75 S$400 16.0 x 8.0 x 24.0 S$700 15.0 x 7.5 x 18.75 S$600 20.0 x 10.0 x 24.0 S$800 Note Annual rental rate is subject to prevailing Goods and Service Tax. * Special pricing for Priority Banking and Preferred Banking customers. Refer to page 14 and 15 for more details. 11
Other Services ATM and Debit Card Charges ATM card replacement S$5 Debit card replacement: For SGD S$5 For USD US$5 Debit card overseas transaction fee PIN replacement 2.5% of amount transacted via Mastercard Purchases at Maestro network outlets Transactions at shared Cash withdrawal* Balance enquiry network: Transactions at Cirrus ATMs (worldwide)* Cash withdrawal 2% of amount withdrawn Min. S$5, Max. S$60 Balance enquiry For World Partner customers: World Partner customers enjoy the first cash withdrawal per month, free of charge at Standard Chartered Bank and Cirrus ATMs worldwide if they use their World Partner Platinum Debit Card. This waiver does not include fees which may be levied by other banks in Singapore or overseas for accessing their ATM networks. Coin Services/Bulk Cash Deposits Coin services only available on Tuesdays and Thursdays, between 9.30am 11.30am Bulk deposit of coins Between S$50 and S$100 S$5 For every S$100 or part thereof S$10 Changing of notes to coins Per S$50 or part thereof S$1 Bulk cash deposit First 500 pieces For every 100 pieces or part thereof S$2 (in denominations of S$100 and below) Guarantees Banker s guarantee Loan limit Tenor Amendment Cancellation 1% p.a. or Min. S$100, (whichever is higher) Min. US$20,000 (Equivalent) Max. 1 year (including claim period) S$25 per amendment S$100 per guarantee * Special pricing for Priority Banking customers. Refer to page 14 for more details. 12
Salary Crediting (for companies) via Payplus via Manual Crediting Miscellaneous Deposits (in cash): in SGD to any account in FCY to same currency account S$0.50 per item, Min. S$30 S$2 per payee, Min. S$30 1.5% repatriation fee, Min. US$15 equivalent Withdrawals (in cash): in SGD from any account in FCY from same currency account Request for copies of: Past statements Deposits Withdrawal confirmation/instruction Statement of interest earned Hold mail (PB/PIB customers only) Certifi cate of balance 1.5% commission, Min. US$5 equivalent Current to 12 months S$10 each Beyond 12 months S$50 each Annual Fee S$360 S$20 per request Audit confirmation: In SGD In USD Letter of reference S$52 per request US$30 per request S$20 per request Internet Banking token replacement fee S$20 13
Priority Banking Eligibility Criteria To enjoy the exclusive Priority Banking membership and all the benefits and privileges that come with it, you need to: 1. maintain a minimum of S$200,000 in deposits and/or investments; or 2. take up S$1,000,000 in housing loans with us; or 3. earn a minimum annual income of S$192,000, AND take up the Priority Banking Visa Infinite Card*. Fees and Charges Segment Maintenance Fee* Monthly Fee S$50 ( for fi rst year) Priority Banking Visa Infinite Card Annual Fees Principal Card S$300 ( for fi rst year) Supplementary Card S$150 per card ( for fi rst year; up to 5 cards) Safe Deposit Box Service Charges 50% fee waiver on annual rental rate (Refer to page 11 for more details) Transactions at Cirrus ATMs (worldwide) Cash withdrawal (with your Standard Chartered Bank ATM, Debit, Credit card) Balance enquiry Hold Mail Services** Annual Fee S$360 Outward Telegraphic Transfers (OTT) Fund Transfers between Standard Chartered (SCB) accounts*** Fees waived include: handling commission commission in lieu reimbursement cover Overseas bank charges are applicable (if any) Fund Transfer to a non-scb account 50% discount on handling commission Commission in lieu, reimbursement cover and overseas bank charges are applicable (if any) Refer to Remittances on page 7 for more details. Note * From the second year onwards, the monthly segment maintenance fee will be waived as long as eligibility criteria 1 or 2 is met. ** Hold Mail Service is applicable only to Private Banking customers and Priority Banking customers with overseas addresses. ***Priority Banking customers will receive a fee rebate within approximately 7 working days from the date of the transaction. Handling commission and reimbursement cover are waived for fund transfers between Standard Chartered Bank accounts only. Fee imposed by other banks will apply. Charges may apply for transactions of more than US$100,000. 14
Preferred Banking Eligibility Criteria To enjoy the exclusive Preferred Banking membership and all the benefits and privileges that come with it, you need to: 1. maintain a minimum of S$50,000 in deposits and/or investments; or 2. take up S$600,000 in housing loans with us; or 3. earn a minimum annual income of S$72,000, PLUS take up a Preferred World MasterCard Credit Card and open Preferred Current Account with us. Fees and Charges Segment Maintenance Fee* Monthly Fee S$30 ( for fi rst year) Preferred Current Account Min. initial deposit S$0 Min. average daily balance S$6,000 Calendar quarter fall-below fee S$10 Monthly service charge S$0 Unarranged overdraft Prime + 5%, Min. S$5 Early account closure fee S$30 (within fi rst 6 months) Chequebook Preferred World MasterCard Credit Card Annual Fees Principal Card S$200 ( for fi rst 2 years) Supplementary Card for life (up to 5 cards) Preferred Overdraft Annual Fee Safe Deposit Box Service Charges 50% fee waiver on annual rental rate (Refer to page 11 for more details) Transactions at Cirrus ATMs (worldwide) Cash withdrawal 2% of amount withdrawn (Min. S$5, Max. S$60) Balance enquiry Outward Telegraphic Transfer (OTT) 50% discount on handling commission Commission in lieu, reimbursement cover and overseas bank charges are applicable (if any) Refer to Remittances on page 7 for more details. Note * From the second year onwards, the monthly fee will be waived as long as eligibility criteria 1 or 2 is met. 15
Summary of Charges Credit Cards Lost/stolen card liability If you lose your card, please notify us immediately by calling our hotline 1800-788 3133. Please keep this number handy. Your liability may be limited to S$100 if you comply with clause 7.2 of our Credit Card Terms. Finance charges for purchases Effective Interest Rate: 24.45% per annum (minimum) If payment is not made in full by the due date, finance charges will be calculated on a daily basis of 0.067% on the outstanding balance from the statement date. Interest calculation Interest is calculated from the date of the transaction to the date of payment. Cash advance charges Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of S$15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment. Minimum monthly repayment Standard Chartered Credit Card with no automatic flexible payments: S$50 or 3% of the new balance, whichever is greater, plus any overdue amounts. Accounts that are over limit: 3% of the new balance plus the excess over the credit limit, plus any overdue amounts. Interest free credit period grace days (interest free credit period) are applicable to customers who choose to make full payment and are not applicable for partial payment of the minimum amount due. Late payment charges Tiered late charges if minimum payment is not received by the due date. New Balance Amount Late Payment Charge Up to S$3,000 S$50 S$3,000.01 and above S$60 The Effective Interest Rate applicable on your credit card and funds transfer account(s) will be adjusted to 28% p.a. if the minimum payment is not received in full by the next Statement Date on any of your credit card and fund transfer account(s). If you have only missed one payment, it will be reinstated to the prevailing Effective Interest Rate once minimum payment is made in full. If however your account has been twice or more past due* on a consecutive basis, the Effective Interest Rate will revert to 24.455% once minimum payment iis made in full. Note * An account is considered past due if the minimum payment due is not received in full before the next Statement Date. The adjustment / reinstatement of interest rate will be effective on the first working day after your next Statement Date once minimum payment is made in full. Overseas transactions All transactions effected in a currency other than Singapore Dollars will be converted from the transacted currency into Singapore Dollars at a rate selected by VISA/MasterCard International. All such overseas transactions will also be subject to a Bank charge of 2.5% as the Bank may determine in its sole and absolute discretion from time to time. The exchange rate for such overseas transactions may differ from the rate on the transaction date due to market fluctuation. 16
Returned cheque/rejected GIRO (insufficient funds) S$50 Sales draft retrieval - current to 2 months old - 3 months to under 1 year old S$10 per copy - 1 year old to 5 years old S$20 per copy - Beyond 5 years old S$50 per copy Replacement card S$20 per card Credit Refund via Cashier s Order S$10 Overlimit Handling Fee S$30 Type of Card Annual Fee Visa Infinite (Principal) S$300 Visa Infinite (Supp) S$150 MasterCard World (Principal) S$200 Visa Signature S$180 Platinum (Principal) S$480 Platinum (Supp) S$280 Prudential Platinum S$180 Gold (Principal) S$150 Gold (Supp) S$88 Classic (Principal) S$60 Classic (Supp) S$30 Salary Advance Annual fee Maximum Credit Limit Minimum monthly repayment Over limit charges Fees ATM cash withdrawal fee Overseas cash withdrawal fee Prevailing Interest Rate Interest rate on credit balances: First three years FREE! $80 (not inclusive of GST) Two times monthly salary, up to $100,000* 3% cutstanding balance or a minimum $50 5% p.a. in addition to the prevailing interest rate on the over limit balances - Returned cheque fee $50 per cheque - Stop cheque fee: $40 per cheque - GIRO returned fee: $10 per transaction - Payment processing fee: $5 per card - Lost card replacement fee: $5 per card - Chequebook: free at Standard Chatered Bank ATMs and atm5 network 2% of amount withdrawn, subject to a minimum of $5 and maximum of $80 0% for the first $3,000, 17.9% p.a. for $3,000.01 and above (minimum monthly interest payable is $5) 0.15% p.a. ** Important Notes 1. Information is valid as of 27 May 2011. 2. All the information is subject to our banking agreement and may be varied at any time without notice at the sole discretion of the bank. 3. Singapore Dollar deposit accounts are eligible for deposit insurance coverage under the Deposit Insurance Act. Singapore Dollar deposit accounts held by or for an individual or a charity, will be insured up to the limits specifi ed in the Deposit Insurance Act. 4. Eligibility criteria for World Partner: deposit a minimum of S$50,000 or its equivalent; be at least 21 years of age; and a Permanent Resident or Expatriate. 17
Branch directory Branches with Priority Banking Centres: Battery Road Extended hours 6 Battery Road Singapore 049909 Holland Village 261 Holland Avenue Singapore 278986 Marina Bay 8 Marina Boulevard #01-01 Singapore 018981 Branches: Bedok Extended hours Block 210 #01-703/705 New Upper Changi Road Singapore 460210 Bukit Timah 2 Hillview Road Singapore 669317 Clementi Mall Open Mon Sun 3155 Commonwealth Avenue West #04-16/17 Singapore 129588 Hougang Block 210 Hougang Street 21 #01-251/253 Singapore 530210 ION Orchard Open Mon Sun 2 Orchard Turn #B1-16 Singapore 238801 Jurong Block 66 Yung Kuang Road #01-83/91 Singapore 610066 nex Serangoon Open Mon Sun 23 Serangoon Central #03-02 Singapore 556083 Marine Parade Open Mon Sun^ Block 87 Marine Parade Central #01-500 Singapore 440087 Scotts Mall 1 Scotts Road #01-01 Shaw Centre Singapore 228208 Serangoon Garden 67 Serangoon Garden Way Singapore 555963 Sixth Avenue Extended hours 795/797 Bukit Timah Road Singapore 269766 Suntec City Mall Open Mon Sun 3 Temasek Boulevard #02-108/110/112 Singapore 038983 Tampines Open Mon Sun^ 3 Tampines Central 1 #01-01 Abacus Plaza Singapore 529540 Upper Thomson 246R Upper Thomson Road Singapore 574370 VivoCity Open Mon Sun 1 HarbourFront Walk #B2-01 and #01-03 Singapore 098585 Woodlands Open Mon Sun^ 900 South Woodlands Drive #02-07 Woodlands Civic Centre Singapore 730900 Banking hours: Monday Sunday Marine Parade^ 10.00 am 8.00 pm Tampines^ 10.00 am 8.00 pm Woodlands^ 10.00 am 8.00 pm Clementi Mall 11.00 am 9.00 pm ION Orchard 11.00 am 9.00 pm nex Serangoon 11.00 am 9.00 pm Suntec City Mall 11.00 am 9.00 pm VivoCity 11.00 am 9.00 pm Monday Friday Battery Road 9.30 am 7.00 pm Bedok 9.30 am 5.00 pm Marina Bay 10.00 am 7.00 pm Sixth Avenue 11.00 am 8.00 pm All other branches* 9.30 am 3.30 pm Saturday Battery Road and Marina Bay Closed Bedok and Sixth Avenue 9.30 am 1.00 pm All other branches 9.30 am 11.30 am The use of any of our product or services are subject to our banking agreement as follows, copies of which are available at our branches or www.standardchartered.com.sg :- 1) Customer Terms 2) Current/Cheque/Savings Account and Time Deposit Terms 3) Credit Card Terms 4) Personal Loan/Personal Line of Credit/Overdraft Terms 5) Priority Banking Services And Privileges International Terms And Conditions Singapore, 6) Preferred Banking Services and Privileges Terms and Conditions Use Breeze on the iphone and ipad to fi nd our branches or ATM locations. ^ Marine Parade, Tampines and Woodlands branches are closed during public holidays. * Personal Financial Consultants, Preferred Banking and Priority Banking Relationship Managers will be available till 5.00 pm. Information is accurate as of 1 April 2011. 12083-300511