This dollarDEX Web site offered by dollarDEX Investments Pte Ltd and its affiliates ("dollarDEX") to you, the "User," conditioned on your acceptance without modification, of the terms, conditions, and notices contained in this agreement. Your use of this Web site constitutes your agreement to all such terms, conditions, and notices.

All of the information the User has provided in this dollarDEX is hereby represented and warranted by the User to be true and complete. dollarDEX cannot and does not guarantee that the personal information the User provides will not be intercepted by others and decrypted.

Unless explicitly stated, dollarDEX is not an authorized agent nor a lender and does not underwrite insurance policies, make loans or represent financial institutions in connection with our services. dollarDEX does not endorse, recommend or favor the products of any participating financial vendor. dollarDEX is not an agent of either the User or any financial institution and representative. dollarDEX's services are administrative and media-related only. The User should rely on his own judgment in deciding which available product best suits his needs and financial means. The financial vendor the User selects is solely responsible for its services to the User, and the User agrees that dollarDEX shall not be liable for any damages or costs of any type arising out of or in any way connected with such services.

dollarDEX and/or participating financial vendors expressly reserve the right to abstain from, discontinue, suspend or terminate the offering of any product. dollarDEX and/or participating financial vendors do not guarantee commitment to the quotations presented here. Likewise, dollarDEX and/or participating financial vendors do not guarantee that the prices and features offered and made available through this Web site are the best terms or lowest rates available in the market. These prices and features may be withdrawn at any time without notice. Nothing contained herein shall constitute an offer or promise for a commitment or interest rate lock-in agreement. All terms contained in any quotations are subject to change by the relevant participating financial vendor without notice.

dollarDEX intends that the information contained in this Web site be accurate, complete, and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by dollarDEX at any time

dollarDEX and the information, software, products, and services associated with it are provided "as is." dollarDEX and/or its vendors disclaim any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this web site and any information, software, products, and services provided herein, including without limitation the implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement.

The use of dollarDEX is at the User's own risk. dollarDEX and/or its vendors (including participating financial vendors) are not liable for any direct, indirect, punitive, incidental, special or consequential damages or other injury arising out of or in any way connected with the use of this web site or with the delay or inability to use this web site, or for any information, software, products, and services obtained through dollarDEX, or otherwise arising out of the use of this web site, whether resulting in whole or in part, from breach of contract, tortious behavior, negligence, strict liability or otherwise, even if dollarDEX and/or its vendors had been advised of the possibility of damages.

As a condition of use of this Web site, the User agrees to indemnify dollarDEX and its vendors from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from his use of this Web site, including without limitation any claims alleging facts that if true would constitute a breach by you of this agreement.

The User also agrees to waive and relinquish in favour of dollarDEX or its Custodian any and all entitlements to interest accruing through the use of any cash account to and from which the User may deposit and receive moneys from time to time in respect of transactions relating to unit trusts.

This Web site may contain links to Web sites maintained by third parties. Such links are provided for the User's convenience and reference only. dollarDEX does not operate or control in any respect any information, software, products or services available on such Web sites. dollarDEX's inclusion of a link to a Web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

dollarDEX is not responsible for any errors or delays in responding to a qualification form caused by an incorrect e-mail address provided by the User or other technical problems beyond our reasonable control.

Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. This agreement constitutes the entire agreement between the User and dollarDEX and it supersedes all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between the User and dollarDEX with respect to this Web site and information, software, products and services associated with it. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved.

Explanation of the Migration

I consent (with such consent being treated as if addressed directly to both dollarDEX and Navigator) to the transfer of my portfolio of investments with dollarDEX to Navigator or as Navigator may direct (this will be referred to henceforth as the "Migration Exercise") as set out below. The Migration Exercise will apply to my investments in collective investment schemes, if any, that are available on the Navigator platform on the migration dates. The first phase of this migration will exclude my investments (if any) in certain collective investment schemes that are denominated in currencies other than Singapore dollars. The migration excludes restricted authorized or restricted recognized schemes. Collective investment schemes not included in the migration will continue to be offered and transacted via dollarDEX.

I agree that a Navigator Investment Account and specific Navigator Investment Plans corresponding to my existing investments will automatically be established by Navigator, on the following terms and conditions, and on the basis of my personal information as provided to dollarDEX. My Cash, CPFIS OA, CPFIS SA and SRS investments, if any, will then be held in the name of Navigator on my behalf or as Navigator may determine.

I acknowledge that certain procedures during and after the migration may change, and that there is no charge for this migration and no additional ongoing fees in comparison with my current arrangement with dollarDEX. However, if I later request for other or additional services not within my current arrangement, additional fees, as agreed between dollarDEX and I, may be applicable.

I agree unconditionally as and from the migration dates to be bound by the dollarDEX terms and conditions and the terms and conditions of the Navigator Investment Account and applicable specific Navigator Investment Plans, all of which I acknowledge having read and understood, and to any amendments made thereto prior to the migration dates. Following the migration, should there be any amendments made to the terms and conditions, I will be provided with at least 30 days written notice of the same, after which the amendments will be binding on me.

I give my consent to dollarDEX to pass my personal information and that of any joint account holders (including but not limited to information regarding particulars of any account or accounts I have with dollarDEX and information regarding any matters or transactions in relation to my accounts or investments) to Navigator, in order to establish an account or accounts with Navigator and for any other purpose as Navigator may deem fit.

I give my consent to dollarDEX to effect a transfer of my holdings (if any) free from encumbrances as of the migration dates and to liaise with third-parties, such as fund managers, trustees and agent banks, or other financial institutions, in order to transfer all my holdings purchased or held via dollarDEX which are subject to the Migration Exercise, as determined by dollarDEX and reflected in my online statement at dollarDEX, to Navigator or as Navigator may direct. I agree that standing payment instructions, if any, such as GIRO, will be assigned to pay Navigator (or as Navigator may direct) in place of DBS Nominees on my behalf for my future investments. Shortly after migration I understand I will receive a paper statement showing my holdings transferred to Navigator and will have 30 days from the migration date in which to dispute any omissions or inaccuracies, after which I will be deemed to have accepted the statement of migrated holdings as complete and accurate.

I irrevocably appoint dollarDEX and any of its officers, to be my agent and attorney and in my name, on my behalf and as my act and deed or otherwise to do all such assurances, acts or things as may be necessary to effect the migration described above and (without prejudice to the generality of the foregoing) to execute and deliver and otherwise do any assignment, transfer, assurance, or act or give any instructions which may be necessary in connection with the Migration Exercise. I ratify and confirm and agree to ratify and confirm whatever dollarDEX does in the lawful and proper exercise of all or any of the powers, authorities and discretions hereunder (including but not limited to the transfer of my investments to Navigator or as Navigator may direct), all of which shall be deemed where necessary to have been done on my express written directions.

I acknowledge that the transfer of holdings and the provision of services by Navigator may require the termination of related agreements made by dollarDEX on my behalf with third party service providers, and consent to dollarDEX effecting such termination on my behalf. In consideration of Navigator opening an account(s) for me I undertake to absolutely discharge and release Navigator and its directors, employees, agents and affiliates from any liability whatsoever and howsoever arising that is attributable to any matter or transaction occurring, or information provided, prior to the migration dates.

These Terms shall govern inter alia, all subscriptions, switching and redemptions in respect of unit trusts subscribed for switched or redeemed via dollarDEX as agent for the customer.

1. Information
   In entering into any dealing in the Fund the Customer acknowledges that dollarDEX does not offer investment advice of any nature and whilst dollarDEX may provide information or express its own views from time to time, such information or views are not offered as investment advisers and in determining upon any dealing the Customer shall do so entirely on the Customer's own responsibility having made all such enquiries and assessments as the Customer shall consider appropriate and the Customer shall place no reliance on dollarDEX as giving him/her advice or making recommendations and expressly acknowledges that dollarDEX acts in such regard in an agency capacity only and shall owe to the Customer no duty in respect of any such dealing above or beyond its obligations as the Customer's agent.
2. Subscriptions
   1. The Customer may from time to time instruct dollarDEX by means of filling in and (for first-time users) signing an investment Services Form ("The Form"), arranging for payment, by means acceptable to dollarDEX, in favour of “ DBS Nominees-dollarDEX” (“DBS Cash Account”), an account owned and operated by DBS Bank and (a) delivering a signed copy of the Form together with payment (if payment is not electronic) in person at or by mail to dollarDEX's office in Singapore or have it collected by the dollarDEX courier pick-up service; or (b) submitting the password-protected Form online (for registered or returning users of dollarDEX only), and thereby authorise dollarDEX on its behalf, and as its agent, to place a subscription (the "Purchase Order') and apply in the name of DBS Nominees as the Customer's nominee for such number of whole units in the Fund ("Units"), as the payment amount made by the Customer for such Order shall allow and to instruct DBS Bank on the Customer’s behalf to apply such amounts in the DBS Cash Account toward the purchase of the Units.
   2. If the Customer has indicated on the Form the number of its account ("Account") held with DBS Bank to be directly debited for the purpose of subscription of Units, DBS Bank shall be authorised following receipt of the Customer’s instructions through dollarDEX without further instructions to debit the Account with an amount equal to the moneys required for the subscription and any other charges, costs and expenses required. In such case, the Customer undertakes at all times to maintain sufficient funds in the Account for the purpose or making payment for any purchase of Units in accordance with the instructions an the Form and/or for paying any fees, costs or other expenses which the Customer is liable to pay hereunder. The Customer acknowledges and agrees that if at any time there are in the reasonable opinion of dollarDEX (upon being advised by DBS Bank, having regard to other payments debited or due to be debited) insufficient funds in the Account for these purposes, dollarDEX may decline to place the Purchase Order on the Customer's behalf.
   3. Subject to change by dollarDEX without notice to the Customer, dollarDEX will purchase Units on behalf of the Customer, in the name of DBS Nominees, based on the price of such Units to be purchased prevailing on the date ("the Payment Date") as follows:- a) the date of receipt of the Customer's payment for the Purchase Order if in cash or via direct debit of the Account, credit card payment by the Customer or interbank transfer by the Customer to the “DBS Cash Account” described above; or b) the date of clearance of the Customer's cheque, bank draft or cashier's order (as the case may be) if payment for the Purchase Order is made by any such instrument, Provided always that if any of the Payment Date referred to in (a) or (b) in this Condition falls on a day which is not a Business Day or if payment is received after 3pm on any business day, the price of the Units for the purpose of this Condition will be that prevailing on the next Business Day following the Payment Date.
   4. The Customer hereby authorizes dollarDEX to appoint DBS Nominees to hold Units purchased on its behalf as nominee for the Customer, and agrees that any Units allotted based on any Purchase Order given by the Customer shall be so held in the name of DBS Nominees as nominee on behalf of the Customer.
   5. No certificate will be issued in respect of the Units but the Customer shall periodically receive:- a) an electronic confirmation advice from dollarDEX; and b) an electronic statement of holding indicating the number of Units issued to DBS Nominees as nominee for the Customer.
3. Switching
   1. The Customer may from time to time instruct dollarDEX, by means of filling in the Form and submitting it online and thereby authorise dollarDEX on its behalf, and as its agent, to place a switching order (the "Switching Order") and switch units in a fund to units in another fund if permitted by the relevant Fund Manager (the “Manager”) and permitted under the prospectus for that fund.
   2. The Customer authorises dollarDEX to instruct DBS Nominees, following receipt of the Customer’s instructions through dollarDEX, to deduct from the amount available for purchase in the Fund, and allocate to dollarDEX, a switching fee of such amount as stated on dollarDEX’s website at the time of switching, subject to the maximum amount for such fee provided in the prospectus for the Fund.
   3. Subject to the terms of the prospectus for the Fund, dollarDEX will carry out the Switching Order based on the price of existing units to be switched and the price of Units prevailing on the date of receipt of the Switching Order by dollarDEX after deducting all fees, charges, costs, or expenses for which the Customer is liable. If the date of receipt of the Switching Order is not a Business Day, the prevailing prices of the aforesaid units on the next Business Day following the date of receipt of the Switching Order will be applied.
   4. Units allotted based on any Switching Order shall be held in the name of DBS Nominees on behalf of the Customer.
   5. No certificate will be issued for the Units but the Customer will receive:- a) an electronic confirmation advice from dollarDEX; and b) an electronic statement of holding indicating the number of Units issued to dollarDEX or its nominee for the Customer periodically.
4. Agent/Delegate
   1. dollarDEX should be entitled to appoint any agent, bank, trust company or institution ("the Agent") to assist dollarDEX in the performance of any of its obligations hereunder as dollarDEX may determine including but not limited to:- a) the processing of the Purchase Order or Switching Order; b) the liaison with the Manager and the Customer in connection with the services hereunder: and/or c) any other administrative duties.
   2. In consideration of dollarDEX providing the services to the Customer hereunder, the Customer agrees and expressly authorises dollarDEX to from time to time release or provide to the DBS Bank and DBS Nominees all or any information held by dollarDEX in respect of the Customer and the Account.
5. Redemption
   1. If, at any time, the Customer wishes to redeem all or any of the Units acquired hereunder, the Customer shall instruct dollarDEX to apply to the Manager for redemption of the number of Units indicated in the Form prescribed by dollarDEX from time to time, by submitting to dollarDEX an application for redemption of Units online.
   2. Upon any redemption of Units hereunder, DBS Bank, being advised by dollarDEX will credit to the Account or such other bank account designated by the Customer and acceptable to dollarDEX, or at the request of the Customer, send by cheque or other means to the Customer such moneys (net of any fees, charges or expenses incurred in connection with redemption) as may be received in consideration of the redemption of the Units. Before making any such payment, DBS Bank may make such deductions as by the laws of Singapore or by the laws of any other country in which such payment is made DBS is required or entitled to make in respect of any income or other taxes, charges or assessments whatsoever and DBS Bank may also deduct the amount of any stamp duties or other government taxes or charges payable by it or for which it might be made liable in respect of such payments or any documents signed by it in connection therewith. DBS Bank shall not be liable to account to dollarDEX or any Customer or otherwise for any payment made or suffered by DBS Bank in good faith to any duly empowered fiscal authority of Singapore or elsewhere for taxes or other changes in any way arising out of or relating to any transaction of whatsoever nature under this Agreement.
6. Agency of dollarDEX and Appointment of Nominee
   1. The Customer hereby appoints dollarDEX as agent for the Customer and expressly authorises dollarDEX:- a) to provide such information in connection with the Units including the name of the owner or owners, as may in the opinion of its legal advisers be required by any applicable law (whether in Singapore or any other jurisdiction), to any relevant authority together with any documentation relating thereto and further authorise dollarDEX's delegates to do the same; and b) in its sole discretion, to comply with the provisions of any law, regulations or order now or hereafter in force which purports to impose on a custodian of any Units a duty to take or refrain from taking any action in connection with any of the Units or with any payment, distribution or moneys payable in respect of any of the Units.
   2. The Customer agrees to dollarDEX appointing DBS Bank and DBS Nominees to provide such services as specified herein in relation to the Customer’s Units and expressly agrees that DBS Nominess to co-mingle any Units held by DBS Nominees on the Customer’s behalf with other units, securities and properties owned by DBS Nominees, its other customers or other parties.
7. Registration of Units
   dollarDEX shall register any of the Units in the name of DBS Nominees Pte Ltd or any depository in which such Units may be held. DBS Nominees or the depository may enter into sub-custodial agreements in accordance with the relative laws of Singapore or the country in which such sub-custodial arrangements are made with either clearing agencies or other depository institutions. dollarDEX is appointed the agent of the Customer for the purpose of entering into such agreements and executing any necessary documents for the Customer or on the Customer's behalf to cause the Units subject thereto to be registered, as appropriate, in the name of the sub-custodian or DBS Nominees or a depository. dollarDEX will not be liable nor responsible for or on account of any act or omission of any of such nominees, depository or clearing agency selected by it.
8. Instructions, Communications and Records
   1. Unless otherwise provided in these Terms, any instructions to be given by the Customer to dollarDEX for the purposes of these Terms shall be given by letter delivered by hand, collected by courier appointed by dollarDEX or sent by pre-paid ordinary post duly signed by the Customer.
   2. Where dollarDEX receives instructions by telephone, dollarDEX shall not be obliged to act except upon receipt of confirmation of such instructions in writing or such other form acceptable to dollarDEX, subject to the terms below.
   3. dollarDEX shall be entitled in its absolute discretion to refuse to comply with any instructions which in the opinion of dollarDEX are unclear or ambiguous which may cause dollarDEX to contravene any laws or regulations for the time being in force and dollarDEX shall not incur any liability to the Customer as a result of the refusal to act.
   4. Any communications or notices required to be given by dollarDEX or by the Agent on dollarDEX's behalf to the Customer may be given in writing, sent by electronic mail (“e-mail”) to the e-mail address of the Customer on record with dollarDEX or sent by mail to the last known address of the Customer on record with dollarDEX. Any such communication or notice shall be deemed to have been received by the Customer.
   5. dollarDEX shall be entitled in its discretion to refuse to act on the Form if it is incomplete or if the Customer's signature differs from that given in any specimen signature card or cheque of the Customer to dollarDEX or if the Purchase Order, Switching Order or instructions given by the Customer for redemption does not comply with any terms and conditions of the prospectus for the Fund or for any other reason dollarDEX shall deem fit in its sole discretion and dollarDEX shall not incur any liability to the Customer for such refusal to act.
   6. Instructions shall for the purposes of these Terms be deemed to have been received only upon receipt during normal business hours (Saturdays excepted) by the applicable processing branch of dollarDEX.
   7. The Customer acknowledges and agrees that DBS Bank and DBS Nominees receive and act solely on the instructions of dollarDEX and will not accept nor act on any instructions from the Customer not received through dollarDEX. Accordingly, DBS Bank and DBS Nominees shall have no responsibility and shall not be under any liability whatsoever to the Customer in respect of any instructions purportedly given by the Customer to DBS Bank or DBS Nominees (as the case may be) but not received through dollarDEX.
   8. dollarDEX hereby undertakes, and the Customer acknowledges and agrees that dollarDEX will be fully and solely responsible for keeping books, records, amounts and statements in respect of each Fund so as to give a complete record of all transactions carried out by it in respect of the relevant Fund, and neither DBS Bank or DBS Nominees shall have any responsibility to the Customer in respect of any losses, damages, costs or expenses incurred as a result of any inaccuracies or discrepancies alleged to be reflected in such books, records, accounts and statements.
9. User ID and Password
   1. The Customer shall follow the guidance provided by dollarDEX online in designating the user identification code (the 'User ID') and the password (the 'Password') for identifying the Customer for the purposes of dollarDEX’s services.
   2. The Customer may change the Password at any time but any change shall be effective only if accepted by dollarDEX. The User ID cannot be changed by the Customer.
   3. The Customer shall act in good faith, exercise reasonable care and diligence in keeping the User ID and the Password in secrecy. At no time and under no circumstances shall the Customer disclose the User ID and/or the Password to any other person.
   4. The Customer shall be fully responsible for any accidental or unauthorised disclosure of the User ID and/or the Password to any other person and shall bear the risks of the User ID and/or the Password being used by unauthorised persons or for unauthorised purposes.
   5. Upon notice or suspicion of the User ID and/or the Password being disclosed to any unauthorised person or any unauthorised use of dollarDEX’s services being made, the Customer shall notify dollarDEX in person as soon as practicable or by telephone at such telephone number(s) as dollarDEX may from time to time prescribe (and dollarDEX may ask the Customer to confirm in writing any details given) and, until dollarDEX's actual receipt of such notification, the Customer shall remain responsible for any and all use of dollarDEX’s services by unauthorised persons or for unauthorised purposes.
10. Customer's Instructions
    1. The Customer is required to quote the User ID and the Password in order to log-on to dollarDEX’s services and give instructions to dollarDEX online. Instructions in connection with dollarDEX’s services shall not be considered to be received by dollarDEX unless they are given in such manner as dollarDEX may prescribe from time to time and until dollarDEX has actually received them.
    2. Any instruction given in connection with dollarDEX’s services by quoting the User ID and the Password of the Customer, once given, may not be rescinded or withdrawn without the consent of dollarDEX. All such instructions given, as understood and acted on by dollarDEX in good faith, shall be irrevocable and binding on the Customer whether given by the Customer or by any other person purporting to be the Customer. dollarDEX shall be under no duty to verify the identity or authority of the person giving any such instruction or the authenticity of such instruction apart from verifying the User ID and the Password of the Customer.
    3. dollarDEX will only act on an instruction insofar as it is in dollarDEX's opinion practicable and reasonable to do so and in accordance with its regular business practices and procedures.
    4. Advice or confirmation that an instruction has been received and/or a transaction has been effected through dollarDEX’s services will be provided by dollarDEX online. Such advice or confirmation shall be deemed to have been received by the Customer immediately after transmission and it is the duty of the Customer to check such advice or confirmation. It is also the duty of the Customer to enquire with dollarDEX if the Customer does not receive an advice or confirmation within the time usually required for a similar advice or confirmation to be received.
    5. dollarDEX shall make available, information relating to any account or transaction on the Internet Site(s) , which information shall be for reference only. dollarDEX's records of such account and transaction shall be conclusive unless and until the contrary is established.
11. Fees and Expenses
    1. The Customer shall pay fees (inclusive of any applicable Goods and Services Tax, cheque bounced fees and fees arising from cancelllation of transaction such as redemption, cancellation charges nominees fees for the cancelled transaction) to dollarDEX for the services performed by dollarDEX or its agent pursuant to these Terms in accordance with its then prevailing rate. dollarDEX expressly reserves the right to change the scale of fees at any time without any notice to the Customer.
    2. The Customer shall pay or reimburse to dollarDEX all costs and out-of-pocket expenses inclusive of any applicable Goods and Services Tax incurred by dollarDEX in the performance of its duties to these Terms.
    3. The Customer acknowledges and agrees that dollarDEX may at any time or from time to time receive a fee and/or commission for the subscription, switching and/or redemption (howsoever designated) from the Manager. In connection herewith the Customer agrees that DBS Bank or DBS Nominees, as applicable, shall be entitled (but shall have no obligation to ascertain whether such fee or commission is reasonable or justified) to retain such fee or commission for the benefit of dollarDEX who shall have no obligation to account to the Customer for all or any part of such fee or commission.
12. Termination
    1. At the cost of the Customer, the Customer undertakes to make, effect and complete alternative arrangements for the Units, upon termination of this Agreement. In connection therewith, if the Customer fails to complete such arrangements, dollarDEX shall be deemed to have been authorised by the Customer (at the cost of the Customer) to request the transfer or redemption of any Units and the Customer hereby authorises dollarDEX to give necessary instructions to third parties on behalf of the Customer and execute such documents and do all such other things as dollarDEX shall deem appropriate in its sole and absolute discretion, without any liability for any costs, expenses , losses or damages of whatsoever nature incurred or suffered by the Customer.
13. Indemnity
    The Customer hereby agrees to indemnify and hold harmless dollarDEX and the Agent from and against any and all costs, expenses, losses or damages of whatsoever nature which either of them may incur or suffer arising out of, or in connection with dollarDEX and/or the Agent acting on the Customer's instructions given hereunder.
14. Liability of dollarDEX
    1. dollarDEX (which term shall, for all purpose of this Clause, include its agents, employees and subcontractors) shall not, in the absence of gross negligence or wilful breach of duty be liable to the Customer for any act or omission in the course of or in connection with the services rendered by any of them under these Terms or for any loss or damage which the Customer may suffer or sustain as a result of or in the course of discharge by dollarDEX of its duties hereunder.
    2. Without limiting the generality of the foregoing, dollarDEX accepts no responsibility and shall have no liability whatsoever to the Customer:-
       1. for advising or giving any recommendation to the Customer as to whether or not to invest in the Fund and the Customer acknowledges the desirability of seeking independent financial advice with respect to any such investment opportunity;
       2. for any costs, expenses, losses or damages of whatsoever nature ("Losses") suffered or incurred by the Customer as a result of, or in connection with, any acquisition, switching holding, disposal or redemption of any Units or any other transaction made or omitted to be made by the Customer on the basis with any information provided by dollarDEX pursuant to these Terms for any losses suffered or incurred by the Customer as a result of or in connection with any act or failure by the manager to act on the Customer's instructions or applications for investment, redemption or switching of unit trusts for whatever reasons;
       3. for or in respect of any Losses or failing to comply or delay in complying with its/their obligations under these terms which is caused directly or indirectly by force majeure, Act of God, war, terrorism, industrial disputes, natural disaster, adverse weather conditions, failure of communication or transmission systems or any other cause, event or circumstances beyond dollarDEX's or Agent's control; and
       4. if the value of the Customer's funds invested in the Fund diminish due to taxes deductions, withholdings, imposts or depreciation; and
       5. if the Customer is unable to obtain payment of funds from the Account due to restrictions on convertibility, involuntary transfers, distraints of any character, or any other causes whatsoever which are beyond dollarDEX's control whether arising in Singapore or otherwise.
    3. The Customer acknowledges and agrees that dollarDEX's responsibility hereunder is solely to implement the instructions of the Customer given to dollarDEX from time to time subject to the terms hereof, and that DBS Bank’s and DBS Nominees’s responsibilities hereunder are solely to implement the instructions given to either of them (as the case may be) by dollarDEX.
15. Miscellaneous
    1. If the Customer
       1. consists of more than one party, the liabilities of all such parties shall be joint and several.
       2. consists of more than one party, all correspondence, cheque and proceeds will be sent to the address of the customer who is the main applicant.
    2. A minor may be a joint applicant with a Customer who must be above the age of 21 years. dollarDEX will only act on the instruction of the Customer who is the main applicant.
    3. Notwithstanding anything in this Agreement whether express or implied to the contrary:-
       1. dollarDEX shall be entitled at any time to decline to act on the Customer's instructions in regard to any dealing in the Units made hereunder and without assigning any reason for doing so; and
       2. dollarDEX shall be entitled at any time and from time to time to delegate, assign, transfer or part with possession of any or all of its rights or duties under this Agreement to such parties as shall deem fit (including but not limited to DBS Bank and DBS Nominees) without the prior consent of the Customer.
    4. If any of these terms is held or deemed to be void or enforceable, the remaining terms will remain in full force and effect.
    5. "The Fund" refers to the unit trust fund in which:-
       1. the Purchase Order is made for purchase of units or;
       2. the Switching Order is made for Units to be acquired upon a switch or;
       3. Units are to be redeemed. (as the case may be and "Units" refers to units of the Fund) "Business Day" means any day on which banks are normally open for business in Singapore except Saturdays and Sundays.
    6. This Agreement shall be governed by and construed in accordance with the laws of Singapore. The Customer irrevocably submits to the non-exclusive jurisdiction of the Courts of Singapore.
16. Agreement for settlement
    I/Both Main and Joint Account holders ("I/my/me") acknowledge that I/we have read, understood and agreed to be bound by the "terms and conditions" issued by dollarDEX which is available at www.dollardex.com as may be amended and in force from time to time and that this application is based thereon. I agree I will read and understand all future fund prospectuses of the funds I purchase through dollarDEX. I will observe and be bound by the provisions of the Prospectuses and Trusts Deeds of the funds including any future supplemental Trusts Deed(s) of the funds I hold with dollarDEX.

    I hereby authorize dollarDEX to request the settlement of approved investment(s) bought/sold/switched by me for/from my CPF Investments Accounts (specified in earlier part of this form) and SRS Account and to pay / receive from the approved product providers for all purely based on my online/faxed/sent application, without needing additional signatures from me.

    This authorization shall continue to be in force until expressly revoked by notice in writing by me. I hereby agree to absolve dollarDEX from any liability whatsoever in respect of any errors or omissions in the settlement and/or withdrawals of funds and hold dollarDEX harmless and indemnify it against all actions, proceedings, liability claims, damages and expenses including legal costs on an indemnity basis whatsoever arising out of or in connection with dollarDEX accepting and acting upon this authorization provided that such errors or omissions do not arise out of dollarDEX or dollarDEX employees’ negligence or willful default.

    CPF Ordinary Account Settlement
    To: Agent Bank of CPF Board. Please debit my CPF Investment Account stated in this form for the settlement of this or my future subscriptions in accordance with the indicated amount, and in the case of Regular Savings Plans, the amount and frequency, including all fees, expenses and bank charges without needing additional signatures on each future subscription submitted online, faxed, or otherwise sent to dollarDEX.
    To: CPF Board. I hereby apply to withdraw from my Ordinary Account stated in this form for the credit of my CPF Investment Account the sum of monies specified by my Approved Bank, or the amount determined by Fund Managers or CPF Board for this and future subscriptions, plus related fees, expenses and bank charges. I hereby irrevocably and unequivocally consent to authorise the CPF Board or its authorised agents to have access to, and request for, any information regarding my account with Fund Managers for the purpose relating to and in connection with this application, and future authorised applications.

    CPF Special Account Settlement
    To: CPF Board. I hereby irrevocably authorize the Board to:

    1. Debit my CPF Special Account stated in this Form and future subscriptions the sum of monies specified by Fund Managers (who has my dollarDEX application forms for subscriptions as well as applicable Regular Saving Plans, without needing additional signatures on each form) or the amount determined by the Board for the purchase/placement of the Fund including any related fees, expenses and charges under the CPF Investment Scheme Special Account (CPFIS-SA).
    2. Credit my CPF Special Account with any income or any proceeds from the liquidation of the Funds under the CPFIS-SA that are received from the Fund Managers.
    3. Disclose any particulars or information whatsoever relating to or in connection with my investment with the Fund Managers to facilitate any transactions that cannot be settled due to data discrepancies, insufficient funds or any other reasons that the Board deems fit.
       I understand that the above transactions shall be made, subject to the provisions of the Central Provident Fund Act and the Central Provident Fund (Investment Schemes) I hereby agree to indemnify the Board and shall keep the Board indemnified against all actions, proceedings, liabilities, claims, damages, expenses or legal costs whatsoever arising out of or in connection with the Board accepting and acting upon this authorization.

    SRS Account Settlement
    To: The Supplementary Retirement Scheme (SRS) Operator Please debit my SRS Account stated in this Form for the settlement of this and my future subscriptions in accordance with the indicated amounts, and in the case of Regular Savings Plans, the amounts and frequencies, including all fees, expenses and bank charges without needing additional signatures on each future subscription submitted online, faxed, or otherwise sent to dollarDEX.