(a) any agent, contractor or third-party service provider who provides administrative, telecommunications, computer, payment, or securities clearing, printing or other services to TFS in connection with the operation of its business;

(b) any other companies of TFS or any member in the TFS Group;

(c) any other person under a duty of confidentiality to TFS including a company of TFS which has undertaken to keep such information confidential;

(d) any financial institution with which the Client has or proposes to have dealings;

(e) any actual or proposed assignee of TFS or participant or sub-participant or transferee of TFS’ rights in respect of TFS;

(f) any person when we are compelled to make disclosure under the requirements of any law binding on TFS or any member in the TFS Group;

(g) any person with the Client’s express or implied consent;

(h) any person where our interests require disclosure;

(i) any person where the public interest requires disclosure;

(j) any person to conduct credit checks at the time of the account opening and at the time of regular or any reviews which can take place one or more times each year; and

(k) MAS, relevant exchanges or markets, and any regulator, agency, authority, or person in Singapore and/or applicable jurisdictions (where applicable) in compliance with their requirements or requests for information subject to the applicable laws.

(a) the daily operation of the services and credit facilities provided to the Client;

(b) conducting credit checks;

(c) assisting other financial institutions to conduct credit checks;

(d) ensuring ongoing credit worthiness of the Client;

(e) designing financial services and related products for the Client’s use;

(f) marketing financial services or related products;

(g) determining the amount of indebtedness owed to or by the Client;

(h) collection of amounts outstanding from the Client and those providing security for the Client’s obligation;

(i) meeting the requirement to make disclosure under the requirements of any applicable laws binding on TFS or any member in the TFS Group;

(j) complying with any obligations, requirements, policies, procedures, measures, or arrangements for sharing data and information within TFS and/or other use of data and information in accordance with any programs for compliance with sanctions or prevention or detection of money laundering, terrorist financing or any other activities; and

(k) all other purposes ancillary or relating thereto and such other purposes to which the Client may from time to time agree.

(a) The name, contact details, products and services, portfolio information, transaction pattern and financial background of the Client held by TFS or any member in the TFS Group may be used in direct marketing of investment or financial related products and services of TFS; and

(b) If a Client does not wish TFS to use and/or transfer the Client’s data for use in direct marketing, the Client may, without charge, exercise the right to opt-out.