GXS Bank is a separate entity and is not associated with the businesses of Singtel and its entities. The GXS FlexiLoan is provided by GXS Bank. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore.

This is strictly intended for selected customers only. Please do not forward this invite to anyone. If you are not the intended recipient, please ignore this page. For the full terms and conditions, please visit www.gxs.com.sg/flexiloan-208-singtel-terms for details. For product terms and conditions, visit www.gxs.com.sg/flexiloan-terms.

¹ Effective Interest Rate (EIR) is calculated based on an average loan amount of S$10,000 with a 24-month repayment period, from 1 Jan 2024 to 1 Jan 2026.

² GXS FlexiLoan 2.08% Singtel Cashback Promotion is available to you if between 19 February and 28 February 2025 (both dates inclusive) you perform a drawdown of a single Instalment Loan of at least the Minimum Drawdown Amounts (as set out in this email) and such loan is at least 24 months tenure, in order to be eligible for the cashback amount set out in this email.

³ The cashback is capped at (i) the first 6 repayment periods of your Instalment Loan for loans that have a tenor of more than 6 months and (ii) the applicable loan tenor for loans that have a tenor of 6 months or less. In order to receive the cashback, all Eligible Customers are required to already have an existing GXS Savings Account or open a GXS Savings Account by the specified date. The cashback will be credited directly into an Eligible Customer's GXS Savings Account by 9 May 2025. An Eligible Customer is eligible to receive only one (1) cashback reward regardless of the number of drawdowns they have performed during the promotion period, provided they have successfully complied with the Promotion Terms. If more than one Instalment Loan is drawn during the promotion period, the cashback reward will be awarded based on the Instalment Loan with the highest amount.

Approval of your application is subject to receipt of all supporting documents and further review. GXS Bank reserves the right to approve or reject your application without providing any reasons. Late interest charges may apply in the event of late repayment. Your loan is subject to review from time to time, and may be cancelled by GXS Bank at its discretion.

By applying for the GXS FlexiLoan and to be eligible to participate in the GXS promotions set out herein, you confirm that you are between 21 to 65 years old (inclusive), a Singaporean citizen or permanent resident, and earn a minimum income of S$20,000 p.a., and you consent to GXS reporting to, or conducting checks with, Credit Bureau (Singapore) Pte Ltd for the purposes of your loan application.

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Further terms and conditions apply. The Bank may add to, amend, modify or vary any or all of the Promotion Terms at any time without notice or liability to any person.

Before using the GXS Bank app, do make sure you’ve read www.gxs.com.sg/tnc. All information with respect to this Promotion is accurate at the time of publication.

For further assistance, reach out to GXS through the GXS Bank app.

GXS Bank Pte. Ltd. (202005626H)