Using information sourced from official sources and information providers, infund reviews all applications before Businesses (corporates and limited liability partnerships) are allowed to list on the platform. Investors then select which Businesses they wish to invest in by submitting their offers on our platform. Investors can spread their risks by investing in different businesses. With infund, businesses can raise funds from the ‘crowd’, diversify their source of financing and become empowered to accept their target interest rates. On the other hand, investors gain access to opportunities with potentially more attractive yields and participate together with businesses in their journey for growth. Please read our Terms of Service (Issuer),(http://www.infund.co/terms-of-service-issuer/) Terms of Service (Payee),(http://www.infund.co/terms-of-service-payee/) Code of Conduct,(http://www.infund.co/code-of-conduct/) and Privacy and Data Protection Policy.(http://www.infund.co/privacy-policy/) Your use of infund's services is subject to these policies and terms.

With the innovation found only at infund, the platform provides Investors and Businesses with two allocation mechanisms: 1) First-Come-First-Served; and 2) Auction – similar to reversed-Dutch auction and COE bidding exercise.

Yes, infund is regulated by the Monetary Authority of Singapore (MAS). We have been issued a Capital Markets Services License (No. CMS100568-1) on 11 November 2016. Prior to launching our platform in November 2014, infund had consulted with the MAS and obtained clearances that our business model (of facilitating the issuance of promissory notes by businesses through our platform) does not infringe on existing regulations.

Contract notes are issued through the platform where the Investors and Issuers (SME) are contractual parties to each note. infund is not a party to the contract. These contract notes are enforceable in Singapore. Each contract is formed after a process of offer and acceptance occurring electronically on the platform.

Where possible, when documentary proofs are submitted, the infund team verifies the information as an independent third party.

Only registered and qualified members (with Investor or Business accounts) of infund can gain access to the information and services provided by the platform. Information provided on our platform is strictly confidential. Identification proofs are required and will be verified when creating an account with us. To sign up for an account, please visit https://lending.infund.co/Authentication/Register(https://lending.infund.co/Authentication/Register)

infund reserves the right to suspend or terminate a member’s account if it appears an account has been used in breach of the Code of Conduct or any applicable laws. Click HERE (https://www.infund.co/code-of-conduct/)to read the Code of Conduct.

infund’s principal role is to: • Perform introductory functions on behalf of prospective Issuers and Investors for the issuance of notes. • Provide a streamlined process for the issuance of notes (including the development of standard contract notes). • Facilitate the payments and collection of sums due under or in connection with those Notes (including taking certain actions on behalf of investors upon an issuer’s default or if the issuer becomes, or is likely to become, insolvent). infund is not a party to the Note.

infund is the pioneer digital lending platform established in Singapore. We are also the FIRST to obtain a full Capital Market Services License (CMS-100568-1) from the Monetary Authority of Singapore. As at end of July 2018, we have completed over 670 campaigns and raised more than S$64M on our platform. With more than 14,000 investors registered on our platform, we were able to achieve 12%-15% weighted median risk-adjusted returns for our investors.

Default Rate = Amount of Outstanding Loan Repayment Monies in Default Total Amount of Loans Disbursed The default rate is computed by taking the amount of outstanding loan repayment monies in default divided by the total amount of loans disbursed since our first campaign that was launched in November 2014. At infund, a loan will be classified as doubtful if an issuer fails to repay its loan obligations 120 days after the initial loan repayment due date. This will also be reflected in your “Investments” on your dashboard.

If you wish to close your infund account, please submit a ticket at: https://infund.com/contact/.(https://infund.co/contact/) Please provide us with a scanned copy of your NRIC/Passport/FIN Card/Relevant Identification documents, including the message stating 'Please close my account.' Please ensure all available funds are withdrawn before closing the account. The guide on the withdrawal of funds is below. https://support.infund.co/portal/kb/articles/how-can-i-withdraw-my-monies (https://support.infund.co/portal/kb/articles/how-can-i-withdraw-my-monies) Please allow us up to 3 business days to process the account closure. Once the process has been completed, an email notification will be sent to you indicating that the account has been closed.

If you’ve forgotten your password, you can trigger a password reset from our Login page.(https://lending.infund.co/Authentication/Login) If you hadn’t forgotten your password but would like to change it, please log into your dashboard and go under your Account Settings and amend the profile:

infund has put in place comprehensive arrangements so that in the event that infund goes out of business, the notes that have been successfully issued on the platform will be unaffected and investors will continue to receive their monthly repayments. As investors are financing directly to businesses, the parties to the note are between the Investors and the Issuers. These contracts remain in place and are unaffected. infund has entered into a backup servicing arrangement to transfer the servicing functions of all outstanding notes to provide continuity in the event that infund becomes insolvent. In the event of business cessation by infund, a written notice shall be published to all Issuers and Payees of existing Notes on the takeover by the designated backup service provider. The backup service provider shall be entitled to charge each Payee a service fee, on such periodic basis as notified to the Payees. Service fees charged shall not exceed the level of investor servicing fee charged by infund previously. The backup service provider will carry out the following activities: 1. Maintain an account under a licensed financial institution in Singapore, for the purpose of receiving and holding the monies of the Issuers and Payees of existing Notes. 2. Consolidating monthly installments from the Issuers and making payments to the registered bank accounts of the Payees of existing Notes at the end of every three (3) months. 3. Maintaining records of all transactions relating to the Notes 4. Responding to queries of the Issuer and Payees of existing Notes 5. Recovery of partial repayment, missed repayment, late or non-payment of Issuers