The Syfe 2026 SRS Promotion (“Promotion”) is organised by Syfe Pte. Ltd. (“Syfe”). By participating in this Promotion, you agree to be bound by these Terms and Conditions, as well as the terms outlined in your customer agreement, and to accept Syfe’s decisions regarding all matters related to the Promotion.

References to “Income+ SRS” in these Terms and Conditions refer to Income+ Preserve SRS and/or Income+ Enhance SRS, individually or in combination.

1. Campaign Period

The Promotion period begins on 1 September 2026 at 9:00 AM SGT and ends on 8 December 2026 at 11:59 PM SGT (“Campaign Period”).

2. Eligibility

To qualify for the Promotion, participants must:

• Be a new or existing Syfe client investing their SRS funds into Income+ SRS (Income+ Preserve SRS and/or Income+ Enhance SRS) and/or Core Equity100 SRS, who does not have any active promo code(s)*;
• Be a legal resident of Singapore;
• Be at least 18 years old at the time of participation; and
• Meet all other requirements as outlined in these Terms and Conditions.

Participation in this Promotion is limited to the first 1,000 eligible clients who successfully apply the promo code “SRS26” and meet the qualifying criteria. Once this cap is reached, subsequent participants will not be eligible for the Promotion, even if they have met all other conditions.

*An active promo code refers to a code from which a client is still receiving benefits. If a client is unable to apply a promo code despite meeting the eligibility criteria, they can reach out to [email protected] for assistance.

3. Funding Period

The funding instruction period begins once the client successfully applies the promo code during the Campaign Period and ends on 8 December 2026 at 11:59 PM SGT (“Funding Instruction Period”).

Clients must ensure that Syfe receives their complete and valid SRS funding instructions by the end of the Funding Instruction Period. Funding instructions that are incomplete, invalid or received after the Funding Instruction Period will not qualify for the Promotion.

4. Qualifying Action

To participate, eligible clients must:

1. Have a registered Syfe account and complete the KYC process;
2. Apply promo code SRS26 during the Campaign Period;
3. Submit complete and valid SRS funding instructions during the Funding Instruction Period; and
4. Deposit fresh SRS funds totalling at least S$10,000 into Income+ SRS (Income+ Preserve SRS and/or Income+ Enhance SRS) and/or Core Equity100 SRS (“Qualifying Funding”).

Qualifying Funding may be reached through one or multiple deposits made during the Campaign Period; it is not required to be a single lump-sum deposit.

For the avoidance of doubt, deposits into Cash+ Flexi SRS or non-SRS portfolios will not count towards the Qualifying Funding. Internal transfers from other Syfe portfolios will not count as fresh SRS deposits for the purposes of this Promotion.

Please note that the ability to benefit from the Promotion is contingent upon successful account opening and know-your-customer (KYC) process completion with Syfe. Clients must apply the promo code only after the know-your-customer (KYC) process has been completed.

5. Promotion Stackability

This Promotion cannot be combined with other ongoing active promotions currently applied to your account that you are still receiving rewards from, unless otherwise stated. Requests to change promo codes are not permitted.

6. Fee Credits

The Reward is based on the client’s total cumulative fresh SRS deposits into Income+ SRS (Income+ Preserve SRS and/or Income+ Enhance SRS) and/or Core Equity100 SRS, minus any withdrawals made before the end of the Holding Period (“Qualifying Net Deposit”).

The client’s total Reward is determined by the applicable tier above, subject to a maximum total Reward of S$2,000.

Syfe may, at its sole discretion, substitute or modify the Reward with an equivalent or greater value. Rewards are non-transferable, non-exchangeable, non-refundable, and not redeemable for cash.

Fee credits can only be used to offset management fees across Managed Portfolios and Cash Management. Fee credits will expire within one year from the date that they are issued. Any unused fee credits will not be reissued.

7. Distribution of Fee Credits

Following the end of the Funding Instruction Period, eligible clients will receive an email confirming their Reward tier and expected fee credits.

Eligible clients will receive their full fee-credit Reward in one payout within 30 business days after the end of the Holding Period, subject to processing and verification.

Please note that the crediting timeline is an estimate only and is not guaranteed. Actual crediting may vary depending on processing and verification requirements; however, any delay to crediting will not affect eligibility.

Clients must ensure they are subscribed to Syfe communications to receive notification emails. Clients who have unsubscribed from Syfe communications may not receive updates and notifications relating to their participation in this Promotion, although Syfe will use reasonable efforts to contact them via alternative methods. However, delivery of notifications by way of alternative methods cannot be guaranteed.

8. Holding Period

Clients must maintain their qualifying funding tier from 9 December 2026 to 9 March 2027 (“Holding Period”), applicable to all clients regardless of when their Qualifying Funding was received during the Campaign Period.

The Reward will be determined based on the highest qualifying funding tier achieved by the client by the end of the Funding Instruction Period. Each eligible client will receive only one Reward under this Promotion.

For the avoidance of doubt, market movements that change portfolio value will not, on their own, affect eligibility provided that the participant does not withdraw or transfer funds such that the net funding falls below the qualifying amount, as assessed by Syfe.

If, during this period, the client’s Qualifying Net Deposit falls below their qualifying reward tier:

• Their fee credits will drop to the applicable lower tier; or
• If the amount falls below S$10,000, the fee credits will be forfeited.

Syfe reserves the right to disqualify clients or adjust rewards if it suspects fraudulent activity, including withdrawing and redepositing funds to game the system.

9. Currency

All monetary values stated are in Singapore Dollars (SGD).

10. Collection of Information

By providing your information for this Promotion, clients understand and agree that Syfe will collect and use their personal information for the purpose of this Promotion, other marketing communications, as well as in accordance with Syfe’s Privacy Policy, available here. You may opt out of marketing communications at any time. Should you choose to opt out, you may not receive updates regarding your participation in this Promotion (see clause 7 above). Any questions regarding Syfe’s Privacy Policy or treatment of your personal information should be directed to [email protected].

11. Release

1. By participating in the Promotion, the client agrees that Syfe shall not be liable for any loss or damage which may arise in connection with their participation in the Promotion.
2. Without limiting the foregoing, client hereby: (a) forever releases and discharges Syfe and its parent companies, subsidiaries, affiliates, related and associated entities and employees, directors, officers, suppliers, agents, sponsors and administrators of each (collectively, the “Releasees”), from and against any and all claims, actions, costs, liabilities, judgments, damages, obligations, losses, penalties, and expenses of any kind or nature whatsoever (including legal fees) (collectively, the “Claims”) in any way arising directly or indirectly out of any loss or damage that Client may suffer as a result of, or in connection with the participation in the Promotion or any promotion-related activity, including the use of the Reward; and (b) indemnifies, defends and holds harmless the Releasees from and against any and all damages, loss and expenses, including legal fees, which may be suffered directly or indirectly by reason of the Client’s own negligence or willful misconduct during or in connection with the participation in the Promotion.

12. Reservation of Rights

1. Syfe reserves the right to amend, withdraw, or restrict the promotion at any time without notice.
2. Syfe is the sole arbiter of these rules and any other issue arising under the promotion.
3. If Syfe suspects fraudulent or abusive behaviour, gaming of the system, inappropriate, offensive, or derogatory language or information, or a violation of these terms, Syfe reserves the right to remove all promotions and take any other action it deems appropriate including, but not limited to, removing the Reward retail value from the client(s) account) or closing the client(s) account.

13. General

1. In the event of any inconsistency between these Terms and Conditions and any advertising, promotional, publicity, and other materials relating to or in connection with this promotion, these Terms and Conditions shall prevail.
2. Any dispute arising out of or in connection with the Promotion and/or these Terms and Conditions shall be referred to and finally resolved by the Courts of Singapore and both the client and Syfe hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Courts of Singapore.
3. These Terms and Conditions shall be governed by Singapore law.

14. Disclaimers

1. This content is intended solely to provide general information only and should not be viewed as financial advice, and also not meant to market any specific investment or offer or recommend the purchase or sale of any specific investment product or security.
2. Syfe makes no representations and gives no warranties about the accuracy or suitability of any information provided.
3. All forms of investments carry risks, including the risk of losing all of the invested amount.
4. You should carefully consider whether any investment views and products/ services are appropriate in view of your personal investment experience, objectives, financial resources, and relevant circumstances.
5. You may wish to seek financial advice through a financial advisor or the Syfe platform and independent legal, accounting, regulatory, or tax advice, where appropriate and/or necessary.
6. This content is directed at and restricted (as applicable and as appropriate) to individuals resident in or entities having a place of business or operations in Singapore.
7. Syfe makes no representation that the material and information contained herein are appropriate or available for use in other locations/ jurisdictions.
8. No warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of you acting based on this information.
9. Syfe Pte Ltd. is a digital investment platform licensed by the Monetary Authority of Singapore.
10. Full disclaimers and terms & conditions are available at www.syfe.com.
11. This advertisement has not been reviewed by the Monetary Authority of Singapore.