FATCA POLICY (with effect from 1 July 2014. Our Foreign Account Tax Compliance Act (FATCA) Policy (the “FATCA Policy”) forms part of this Agreement and shall be binding on you. You agree to comply with and adhere to the FATCA Policy, which is accessible at www.ocbc.com/policies or available on request. You should therefore read the FATCA Policy together with this Agreement. This Agreement is subject to the FATCA Policy. Should there be any conflict or inconsistency between any of the contents of the FATCA Policy and this Agreement, the contents of the FATCA Policy shall prevail.