Internet Banking User Instruction Welcome to use the Internet Banking Services provided by First Commercial Bank, Singapore Branch! Please refer to instructions below to realize the services items our branch provides and the operating procedure the user will have to follow for use of our system. How to apply 1. Eligibility for applying

All existing customers of our branch are eligible to apply. 2. Service hours

e-Banking Inquiry: 24 hours (including holiday) Account Transfer and Outward Remittance Services: During the business hours of

our branch (09:30 AM—03:30PM) 3. Application for this service

(1) Apply for Inquiry Service Please come to our branch with your Identity Document and authorized stamp (for corporate applicant) and, preferably, provide us an email address (for purpose of notification service, however application without email address can also be considered.), and submit a completed “Application for e-Banking Services” with the authorized signature affixed duly witnessed. A successful applicant will receive an “Internet Banking Service Notification” and an One-Time Password Token from our branch, along with the Internet access code and an One-Time password.

(2) Apply for Authorized Account Data Inquiry Please submit a completed “e-Banking Service Authorization/Changes Forms” with the authorized signature affixed duly witnessed.

(3) Apply for a Account Transfer and Remittance Services (including Inquiry Service) Please submit the “Application for e-Banking Services” and specifying therein the prearranged debit, credit and outward remittance account and specifying debit/outward remittance limits. For cross currency transfer/ remittance amount exceeding the equivalent of US$30,000 have to contact us beforehand to get a reference No. for negotiated exchange rate. A successful applicant will receive an “Internet Banking Service Notification” and One-Time Password Token from our branch.

4. Changing customer information and Reactivate User Password When something happens as below, please come to our branch with your Identity

Document and authorized stamp. (1) Apply/Update/Terminate granted function of e-Banking Service. (2) Add/Update/Terminate Prearranged Account No. and Amount Limit for

Account Transfer (or Outward Remittance). (3) Loss of the “Internet Banking Service Notification” before changing the

initial password or locked by system because wrong password is keyed in four times.

(4) Loss of the One-Time Password Token/ locked out by system because wrong One-Time password is keyed in four times /lock out by system because sequential error of One-Time Password is over 10 times.

5. Contact us If you have any question, please contact us during the business hours.

The contact information is as below.

Telephone: 65-62215755 (MainLine) Fax: 65-62551905

Email：fcbsin@singnet.com.sg or fcbsin@pacific.net.sg

Address: No. 76, Shenton Way, #01-02, Singapore 079119

How to operate 1. Login (1) Input the Customer ID, User ID and Password printed in the “Internet Banking

Service Notification”.

(2) The Input OTP Password dialogue box will appear upon logging in the system.

User is to input the token password.

(3) After logging in the system with the token password, the system will request

first-time users to change the password immediately.

After successfully changing the password, log in the system again.

Input the token password again after logging in the system.

2. Account Data Inquiry (1) The User can inquire the details of a deposit account by selecting the “Detail”

button and selecting the Start/End date in the “From” and “To” drop-down menu within the dialogue box.

(2) The User can inquire the details of each Time Deposit by pressing the “Detail”

button.

(3) The User can inquire the details of a loan account by pressing the “Detail”

button.

3. Account Transfer – Same Currency (1) Customers input the Transfer Currency, Transfer Amount, Debit A/C No., Credit

A/C No. and message; and left click the “Continue” button.

(2) After checking the transaction data , left click the “Confirm” button.

(3) Input the token password.

(4) The Account Transfer – Same Currency is completed.

4. Account Transfer – Cross Currency (1) Customers input the Debit Currency, Debit A/C No., Credit Currency, Credit

A/C No., Debit Amount and Credit Amount; and left click the “Calculate” button.

(2) If the transfer amount exceeds USD30,000 or its equivalent, the customer

should apply for a negotiated Exchange Rate Ref. No. from this branch first. After inputting the Ref. No., left click the “Calculate” button.

(3) Check the transaction data and left click the Confirm button if there is no error.

(4) Input the token password.

(5) The Account Transfer – Cross Currency is completed.

5. Outward Remittance – Same Currency (1) Customers input the Remittance Currency, Remittance/Debit amount, Remitter

A/C No., Remittee A/C data and Message; and left click the “Continue” button.

(2) Check the transaction data and left click the Confirm button if there is no error.

(3) Input the token password.

(4) The Outward Remittance – Same Currency is completed.

6. Outward Remittance – Cross Currency (1) Customers input the Remittance Currency, Debit A/C No., Debit Currency,

Debit Amount, Remittance Amount, Remittee A/C data, and Message; and left click the “Calculate” button.

(2) If the remittance amount exceeds USD30,000 or its equivalent, the customer

should apply for a negotiated Exchange Rate Ref. No. from this branch first. After inputting the Ref. No., left click the “Calculate” button.

(3) Check the transaction data and left click the “Confirm” button if there is no

error.

(4) Input the token password.

(5) The Outward Remittance – Cross Currency is completed.