Northwaters Capital Pte Ltd (NCPL) is a company incorporated in Singapore having Unique Entity Number 201802295D which is registered and licensed as a fund management company with the Monetary Authority of Singapore.

By signing this document, the Client acknowledges and agrees as follows:

1. The Client is applying for the Accounts and/or Services as set out in this Account Opening as specified by the Client
2. The Client represents and warrants that all information provided to NCPL is true and complete; and will provide NCPL, upon request by NCPL, with any information required for NCPL to fulfill its contractual, regulatory and other legal obligations,
3. The Client undertakes to notify NCPL immediately in writing of any change to such information
4. The Client is fully aware of the nature and extent of possible risks involved in the investments of transactions
5. The Client acknowledges and understood that any reports, analysis or other material or information in relation to investments or transactions are offered to the Client for reference only and shall not constitute to an offer or solicitation of an offer for the Client to transact
6. The Client, when acting as a trustee/nominee, will notify NCPL the residency status or any permanent establishment status of the beneficiaries involved.
7. The Personal Data Protection Act 2012 (the "Act"), which regulates the processing of personal data in commercial transactions, applies to the NCPL. For the purpose of this written notice, the terms "personal data" and "processing" shall have the meaning prescribed in the Act.
   This written notice serves to inform the Client that his/her personal data is being processed by or on behalf of the NCPL and his/her personal data was, or may be collected in the future, from the information you have provided the Account Opening and/or any other forms issued by the NCPL, or otherwise required in connection with any application. NCPL will be processing your personal data, including any additional information you may subsequently provide, for the following purposes ("Purposes"):
   1. Process Client investments or
   2. Complete the information on the register of the relevant investments;
   3. Contact the Client and to send statements/notices to you relating to the Client account and holdings therein;
   4. Carry out your instructions or respond to any enquiry from the Client
   5. Deal with any other matters relating to your account and holdings therein;
   6. Form part of the records of the recipient as to the business carried out by it;
   7. Observe any legal, government or regulatory requirements of Singapore or other relevant jurisdiction including any disclosure or notification requirements to which any recipient of the data is subject;
   8. To satisfy the NCPL's responsibility relating to 'Know Your Customer' (KYC) requirements; and
   9. Other purposes, directly or indirectly relating to any of the above and the NCPL's
8. The Client acknowledges and agrees that the Client's personal data may be disclosed to NCPL's affiliates, delegates, business partners, and/or service providers, or any third party and/or agents (including outsourcing agents and data processors), any and all governmental and/or quasi-governmental departments and/or agencies, regulatory and/or statutory bodies, any court and/or officer of the court for any of the above Purposes or any other purpose for which your personal data was to be disclosed at the time of its collection or any other purpose directly related to any of the above Purposes.
9. The Client has read, understood and agreed with the relevant financial institutions or NCPL's risk profiling, client risk categorization deriving from this Agreement. The Client recognize that the risk profiling and risk categorization determined by the relevant financial institutions or NCPL may be shared between the relevant financial institutions and NCPL for the purpose of processing the account and the risk disclosures.
10. The Client acknowledges and agrees that NCPL may from time to time make available to the Client additional products or Services and/or open additional Accounts for the Client. Those Accounts, products and Services shall be subject to terms of this Agreement and any additional in terms of specific to those Accounts, products and Services.
11. The Client acknowledges that NCPL is regulated by the Monetary Authority of Singapore (the "MAS") and is subject to anti-money laundering / countering the financing of terrorism ('AML/CFT") laws and regulations including serious tax crimes) have been designated as money laundering offences in Singapore. The Client thereby represent and warrants to NCPL that:
    1. The Client is advised to seek independent tax advice for his investments and transactions. The Client acknowledges and agrees that the Client is solely responsible for, and NCPL is not responsible for, the tax affairs and obligations of the Client
    2. The Client is not aware of, and no reasonable grounds to suspect, that any assets in, or to be deposited in, the Account are or may be proceeds from any serious crime activity or conduct, whether in Singapore or outside Singapore
    3. The Client has not committed or been investigated for or convicted of any serious tax crimes
    4. The Client undertakes to provide NCPL all the information and documents relating to Client's affairs as may be required by NCPL to comply with its AML/CFT obligations; and
    5. The Client acknowledges that NCPL shall not provide tax advice to the Client and agrees that NCPL shall assume no liability for claims relating to any investment or administration of Client's assets by NCPL which arises from the lack of such advice or from incorrect/insufficient advice.