Fair Dealing

MAS Guidelines on Fair Dealing Disclosure Notice (For Non-Individual Customers)

In our commitment to uphold the principles set out in the MAS Guidelines on Fair Dealing, we set out in this Disclosure Notice some of the circumstances in which we may exercise our rights to unilaterally revise certain terms and conditions of a product or service which we offer.

These circumstances include (without limitation):

• Breach of agreement (including covenant(s)) resulting in termination/revision of facility.
• Account closure or actions taken by UOB due to money laundering or financial crime reasons.
• Account closure or actions taken by UOB due to revision, potential or actual breach of laws or regulations.
• Change in operating hours, availability of service/product due to maintenance, updates or disruptions.
• Application of exchange rates for foreign currency transactions.
• Interest rate revision due to change in market conditions.
• Change in your credit risk rating or profile resulting in change in credit limits or recall of credit facilities.

If we revise our terms and conditions, to the extent appropriate or permitted, we will provide you with prior notice (where possible) and inform you of any other available option(s) for your consideration.

Please note that this Disclosure Notice may be updated from time to time to address regulatory, industry or other changes.

Publication Date: 27 June 2025