Unlock Exclusive Financing Privileges- Now Available via FSMOne

• Enhanced credit limit of up to S$3,000,000 per client (vs S$300,000 credit limit granted under standard financing)
• Preferential margin rates- Up to 0.85% off the Standard Board Rate (across 8 margin currencies)
• Unlock 2,000+ marginable Unit Trusts and other products, higher collateral value and margin buying power
• Access to cross- currency financing via Cash Drawdown from iFAST Global Bank ("iGB") in 8 currencies- including CHF and JPY

These premium benefits are available only to iGB-linked clients. Read on to explore how the iGB linkage works - and how you can activate these exclusive advantages with just a few steps.

Exclusive Benefits for iGB-Linked Clients

Upon successful linkage, clients gain access to a suite of cross-border product financing features, available exclusively through the affiliated banking entity.

1) Higher Credit Limits - Up to S$3,000,000

By default, FSMOne clients are provided with a margin credit limit of S$300,000. Once linked, your eligible limit may increase to S$3,000,000, depending on your collateral. Clients who require more than S$3 million can submit a review request through FSM Client Services.

What does this mean for you?

Your margin buying power is determined by the lower of:

1. Your available credit limit (initial or enhanced), or
2. Your eligible collateral value x applicable margin multiplier

Example:

Assume a client deposits S$200,000 in eligible assets with a 71.43% LTV:

With the higher credit limit available post-linkage, clients can fully utilise their eligible collateral to unlock maximum margin capacity.

2) Unlock a Broader Range of Marginable Products

Once linked, clients gain access to a wider list of marginable Unit Trusts and funds- including those not available under FSMOne’s standard financing facility.

This includes products highlighted in our past Positive Carry Strategies, such as:

·         CHF-denominated Unit Trusts

·         Bond Funds in Focus

These products are only marginable under iGB financing, enabling strategic portfolio expansion and improved leverage efficiency.

What does this mean for you?

Before linkage, financing is limited to Authorised Unit Trusts only. After the linkage, you can margin a wider universe including Recognised Unit Trusts.

This wider product eligibility means:

·         More assets qualify as collateral

·         Higher overall collateral value

·         Greater margin buying power

For example, T. ROWE PRICE FUNDS SICAV - DIVERSIFIED INCOME BOND AXN CHF. This fund is only marginable via iFAST Global Bank, making it accessible for financing only after the iGB linkage.

With iGB linkage, you can now margin buy into selected funds that were previously not marginable - such as T. Rowe Price Funds SICAV – Diversified Income Bond AXN CHF. This unlocks more collateral value, ultimately enhancing your margin buying power.

3) Exclusive and Preferential Margin Rates

Clients who complete the iGB Product Financing Linkage are entitled to preferential margin rates - offering significant cost savings on their financing.

·         Enjoy 0.10% to 0.85% off the Standard Board Rates (as of 25^th June 2025)

·          Available across 8 major margin currencies

·         No minimum loan size required

Note that the Exchange Rates displayed above are as of 25^th  June 2025, interest rates are subject to changes.

What does this mean for you?

Let’s assume an investor takes up a CHF100,000 margin loan.=

	Before Linkage	After Linkage
Interest Rate (p.a.)	2.20%	1.50%
Annual Interest	CHF100,000 x 2.20% = CHF2,200	CHF100,000 X 1.50% = CHF1,500
Annual Savings	-	CHF700 (~S$1,098)

*Based on the exchange rate of CHF/SGD 1.57*

With iGB's preferential margin rates, investors can enjoy tangible savings on interest costs - without any minimum loan amount.

4) Access to Cross- Currency Financing via Cash Drawdown

FSMOne clients who have completed the one-off linkage gain access to a Cash Drawdown facility offered through iGB within the iFAST Group. This facility allows clients to initiate cash drawdown directly — typically up to 95% of their available collateral value for cross-currency financing purposes.

Once the drawdown is initiated, clients may choose to apply cross-currency financing techniques to align with their investment objectives.

(a)   Enhanced Positive Carry Yield

Borrow in currencies with lower interest rates (e.g., CHF or JPY) and reinvest in assets offering higher yields (e.g., SGD or USD-denominated products). The difference between the cost of borrowing and asset yield creates a potential positive carry spread.

(b)   Loan Currency Conversion

Clients may choose to draw down in a new currency (e.g., USD or JPY) and use the proceeds to repay existing loans in another currency. This creates flexibility in managing currency exposures and portfolio preferences.

Please note: Cross-currency financing involves exposure to FX rate movements and associated risks. Clients are encouraged to assess their risk appetite before proceeding.

For example, investor wanted to invest in NIKKO AM JAPAN DIVIDEND EQUITY SGD (renamed as Amova Japan Dividend Equity JPY as of 1 Sep 2025), let’s compare the financing options available before and after completing the linkage:

In this example, by cross-currency financing in CHF instead of SGD, the client benefited from a lower borrowing cost- and thus, creating a wider net positive spread of 5.50% vs. 2.10%.

With the flexibility to choose the financing currency, clients can better capitalise on the opportunities in the financial market.

How Can You Unlock These Exclusive Benefits?       

All it takes is a one-off Product Financing Linkage with iGB (refer to our step-by-step guide below).

Once the linkage is successfully completed:

• Your loan provider will be seamlessly transitioned to iFAST Global Bank.
• You’ll immediately gain access to enhanced credit limits, preferential rates, and a wider pool of marginable products.

What is iFAST Global Bank (iGB)?

iFAST Global Bank (iGB) is a fully licensed and regulated UK-based bank and an affiliated entity of iFAST Group. It is authorised to offer Product Financing services to Accredited Investors (AI) in Singapore, under a foreign-related corporation arrangement with iFAST Financial.

 Note: To access these services, clients must first perform a self-initiated linkage to connect their FSMOne Investment Account to their iFAST Global Bank account.

Step-by-Step: How to Link Your FSMOne Account to iFAST Global Bank

Web Version

1.      Log into your FSMOne Account and go Margin Summary > Click on “Increase”

Please note that only Accredited Investors (Al) who have declared Al through Net Financial Assets and Personal Income are eligible to increase their credit limit through iGB. If clients have previously declared their Al status through Net Personal Assets, they may consider providing supporting documents to switch their declaration type.

2.      Agree to the Cross-Border Product Financing Declaration

3.      Click on “Link my Account Now” to Launch to iGB Portal

You will then be directed to iFAST Global Bank Portal.

4.      Select Client Type (Existing/ New)

For existing client: (right side)

a) Login to your iFAST Global Bank Account.

b) Agree with the Terms and Conditions and Data Consent.

c) Upon completion of the linkage, you will be receiving confirmation email (refer to step 11)

5.      (For New iGB Client), Retrieve Personal Particulars from Investment Platform

You can pre-fill account opening details via iFAST login to retrieve account particulars for a streamlined application process.

6.      Fill in Additional Information

You would need like to fill in additional personal and financial details.

7.      Declaration and Margin Terms & Conditions

Declare the main reason of opening an iFAST Global Bank Account under the category of Product Financing and click on agree and continue to the Terms and Conditions.

8.      Data Consent Sharing & Review of Information

Review iFAST Global Bank’s data consent sharing agreement (Direct Marketing) and the application.

9.      Upload of NRIC & Address Proof Document

You will then need to upload ID Card (NRIC) and Address Proof (e.g- Bank Statements/ Utility Bills/ Tax Returns/ Council Tax Bills & etc). Address Proof is not necessary if personal particulars were retrieved previously during the start of the application (Step 5).

10. Electronic KYC Video Verification

Upon document submission, you will need to verify your iFAST Global Bank account through video verification. This is the final step of the Product Financing process; simply by answering three questions through a video recording process and you’re done!

Once the account is approved, the linkage will be formed automatically, and you will receive a confirmation email upon completion.

11. Receive Confirmation Emails

You will be receiving a confirmation email upon successful account linkage,
unlock immediate exclusive benefits once the linkage is completed!

Mobile Version

1. Log into your FSMOne Account and go Margin Summary > Click on “Increase”

Please note that only Accredited Investors (Al) who have declared Al through Net Financial Assets and Personal Income are eligible to increase their credit limit through iGB. If clients have previously declared their Al status through Net Personal Assets, they may consider providing supporting documents to switch their declaration type.

2. Agree to the Cross-Border Product Financing Declaration

3. Click on “Link my Account Now” to Launched to iGB Portal

4.  Select Client Type (Existing/ New)

For existing client (Right side):

a)  Login to your iFAST Global Bank Account.

b) Agree with the Terms and Conditions and Data Consent

c) Upon completion of the linkage, you will be receiving confirmation email.

5. (For New iGB Client)

a) Download iFAST GB on App/ Android Store

b) Click Sign Up

c) Retrieve account particulars from iFAST investment account for a streamlined application process.

d) Proceed to fill in the additional info needed. Complete the 4 sections within 15 minutes.

Once the account is successfully opened, proceed to perform the linkage again by following the existing user linkage guide.

Ready to take your financing capabilities to the next level?

With just a one-time linkage to iFAST Global Bank, you can unlock powerful tools to elevate your investment potential- including higher credit limits, broader product access, and preferential financing rates.

Don’t miss out- complete your Product Financing Linkage today and start maximising your portfolio with iGB.

If you have further questions, please do not hesitate to reach out to our FSM Customer Service team to learn more!

Disclaimer:
iFAST Global Bank (“IGB”) is a foreign related corporation of iFAST Financial Pte Ltd (“IFF”) and is authorised and regulated as a bank by the Prudential Regulatory Authority and the Financial Conduct Authority in the United Kingdom to provide product financing services on a restricted basis. IGB is exempt under the Securities and Futures (Exemption for Cross-Border Arrangements) (Foreign Related Corporations) Regulations 2021 for the provision of product financing services that are regulated under the Securities and Futures Act 2001 (“SFA”) to accredited investors (as defined under Section 4A(1)(a) of the SFA) of IFF. IGB is not regulated by the Monetary Authority of Singapore (“MAS”), and the product financing services provided by IGB are governed by the laws of the United Kingdom and are generally not subject to the protections of Singapore laws or MAS regulations.
The use of margin involves a high degree of leverage and risk which can lead to losses as well as gains which are of a larger magnitude as compared to the movement of a security or market. You should therefore carefully consider whether such a financing arrangement and/or investment products you are purchasing is suitable for you considering your own financial position, experience, objectives, ability to bear risks and other relevant circumstances.
Investment products involves risk, including the possible loss of the principal amount invested. Past performance is not indicative of future performance and yields may not be guaranteed. All materials and contents found in this advertisement are strictly for information purposes only and should not be considered as an offer or solicitation to deal in any capital market products. You should consider carefully if the investment products you are purchasing are suitable for your investment objective, experience, risk tolerance and other personal circumstances. If you are uncertain about the suitability of the investment product, please seek advice from a financial adviser, before making a decision to purchase the investment products. 
While IFF and/or any of its third-party providers has/have tried to provide accurate and timely information, there may be inadvertent omissions, inaccuracies, and typographical errors. Opinions expressed herein are subjected to change without notice. 
This advertisement has not been reviewed by the Monetary Authority of Singapore.