Terms and Conditions Governing DBS Treasures CASA Top Up Offer for DBS Treasures Customers (“Promotion”)

DBS Treasures Welcome Offer T&Cs

Terms and Conditions Governing DBS Treasures Welcome Offer for DBS Treasures Customers (“Promotion”)Participation in the Promotion constitutes acceptance of these Terms and Conditions.

The Promotion period is from 1 January 2026 to 31 March 2026 (“Promotion Period”).

DBS will have the final decision on all matters regarding the promotions.

DBS may change these terms or suspend/terminate any of the promotions without giving notice.

The Customers consent to DBS’ collection and use of the Customer’s personal data and the use and disclosure of the Customer’s personal data by/to third parties for the purpose of the promotions. The Customers agree to the terms of the DBS Privacy Policy, a copy which can be found at www.dbs.com/privacy

Treasures Welcome OfferTable A

To participate in the Welcome Offer, Customers must register through their Treasures Relationship Manager and indicate their preferred Reward Programme (SGD or USD) between 1 January 2026 to 31 March 2026.

To qualify for the Welcome Offer, Customers must fulfill the following criteria during the Promotion Period:

SGD Reward Programme
Deposit Fresh Fund(s) from outside DBS/POSB of at least SGD200,000/ SGD350,000 / SGD500,000 / SGD1,000,000 (“Fresh Funds Deposit”), or its foreign currency equivalent to their DBS/POSB Current Account/ Savings Account (“CASA”) tagged to their current DBS Treasures relationship.

USD Reward Programme
Deposit USD Fresh Fund(s) from outside DBS/POSB of at least USD200,000/ USD350,000 / USD500,000 / USD1,000,000 (“Fresh Funds Deposit”), to their DBS/POSB Current Account/ Savings Account (“CASA”) tagged to their current DBS Treasures relationship. FX conversion of other fresh fund currencies to USD will not be considered.

Fresh Funds Deposits must be incremental to the consolidated balance of Customer’s DBS/POSB account(s) as of 31 December 2025. The Fresh Funds Deposit must be maintained with DBS for at least 3 months from the last date of deposit, with the corresponding increase in Customers’ total assets under management (“AUM”). The funds can be utilized for purchase of investment or insurance.

Customers will not qualify for the Welcome Offer if the transfers are made from any account within DBS, whether directly or indirectly. The Fresh Funds must not be used in any other ongoing Deposits/ Fresh Funds promotions during the Promotion Period or placed in any Fixed Deposit/ Time Deposit accounts.
1. Fresh Funds Deposits refer to funds:
Successfully complete Investment Objective Setting (“IOS”) / Your Financial Profile (“YFP”) with their DBS Treasures Relationship Manager or Risk Profile for online investment purchase.
Successfully declare Accredited Investor (“AI”) status with DBS Treasures and must not have held AI status with DBS within the past 12 months. AI status must be declared individually.
Joint account(s) AI status will not be eligible for this promotion.
Purchase a minimum of $50,000 or $100,000 in Eligible Wealth Product(s), based on the selected reward tier (SGD or USD). Refer to Table A for more details. Customers can purchase the Wealth Product(s) with the Fresh Funds by 30 April 2026 to qualify for the Welcome Offer.
1. An “Eligible Wealth Product” refers to:

For the avoidance of doubt, the policy owner of any insurance purchase must be the same as the customer who registered for the Welcome offer.

Customers who meet ALL the requirements to qualify for the Welcome Offer are entitled to receive the cash gift below, which will be credited to their DBS/POSB CASA by 30 June 2026.

Fresh Funds Deposits (SGD or USD)	SGD Reward Programme	OR	USD Reward Programme
at least $200,000	S$800		US$1,000
at least $350,000	S$1,700		US$2,000
at least $500,000	S$2,500		US$3,000
at least $1,000,000	S$6,000		US$7,000

Customers must maintain their current DBS Treasures relationship for at least 6 months from the date that the relationship is established.

Each Customer will only be entitled to one cash gift regardless of the number of accounts the Customer has with DBS/POSB and whether held singly or jointly with any other person(s).

Customers who fail to fulfill the above criteria, DBS reserves the right to debit the amount equivalent to the cash gift, from any account that the Customer maintains with DBS/POSB.

Important notes
Deposits Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to SGD100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to SGD100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured

The life insurance policy is protected under the Policy Owners’ Protection Scheme which is administered by the SDIC. Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact the respective insurer or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Before committing to an investment, please seek advice from a financial or other professional adviser regarding the suitability of the product and read the relevant product offer documents, including the risk disclosures, which can be obtained from DBS Bank Ltd. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you. Foreign currency transactions are subject to exchange rate fluctuations, which may result in capital gains or losses; such accounts may also be subject to exchange controls imposed on the currency held.

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