The Cash+ Enhanced 5.0 Boost (“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.

1. Campaign Period

The Promotion runs from 16 September 2026 at 12:00 AM SGT to 15 October 2026 at 11:59 PM SGT (the “Campaign Period”).

2. Eligibility

To qualify for the Promotion, participants must:

1. Be a legal resident of Singapore and at least 18 years old;
2. Be a new or existing Syfe client without another active promotion code, unless otherwise stated;
3. Successfully apply the promotion code ENHANCED before completing the Qualifying Funding;
4. Be among the first 1,000 successful applications of promotion code ENHANCED that meet the eligibility and qualifying criteria;
5. Make the required Qualifying Funding into an eligible Cash+ Enhanced portfolio during the Campaign Period;
6. Maintain the required Qualifying Net Funding throughout the Boost Period;
7. Satisfy all other requirements under these Terms and Conditions; and
8. Unless otherwise stated, not combine this Promotion with any other promotion, offer, voucher, campaign or giveaway.

3. Application of Promotion Code

Clients must successfully apply the promotion code ENHANCED through the Syfe app before completing the Qualifying Funding. Clients must apply the promo code only after the know-your-customer (KYC) process has been completed. Successful application of the promotion code alone does not guarantee receipt of the Reward; all eligibility requirements set out in these Terms and Conditions must be satisfied.

Participation in this Promotion is limited to the first 1,000 successful applications of promotion code ENHANCED that meet the eligibility and qualifying criteria set out in these Terms and Conditions.

4. Qualifying Funding and Fresh Funds

The funding window begins once the client successfully applies the promo code during the Campaign Period and ends on 15 October 2026 at 11:59 PM SGT (the “Funding Period”). Eligible clients must make a single lump-sum deposit of at least S$10,000 in Fresh Funds into a Cash+ Enhanced portfolio during the Funding Period (the “Qualifying Funding”). Qualifying Funding must be successfully received and reflected in the client’s Cash+ Enhanced portfolio by the end of the Funding Period. Funding that is incomplete, invalid or received after the Funding Period will not qualify for the Promotion.

“Fresh Funds” means new monies transferred into the client’s Syfe account from an external source during the Campaign Period. Internal transfers between Syfe accounts, products or portfolios, portfolio switches or reallocations, funds originating from a previous withdrawal from Syfe, funds invested through auto-invest or recurring transfers, funding using SRS monies, and reversed, rejected, cancelled or chargeback transactions will not count as Fresh Funds for the purposes of this Promotion.

Qualifying Funding must be made as a single lump-sum deposit. Multiple deposits, internal transfers, auto-invest instructions and recurring transfers will not be aggregated to meet the minimum Qualifying Funding requirement or to qualify for a higher funding tier.

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.

5. Qualifying Net Funding

“Qualifying Net Funding” means the client’s single lump-sum Qualifying Funding deposited and invested into Cash+ Enhanced, less any withdrawals, redemptions, transfers out or other reductions from the Cash+ Enhanced portfolio before the end of the Boost Period. Investment gains, losses and other market movements do not, on their own, count as deposits or withdrawals for this purpose.

6. Funding Tiers and Eligible Boosted Amount

The amount eligible for the additional 2.0% p.a. return boost (the “Eligible Boosted Amount”) will be determined based on the client’s Qualifying Net Funding as follows:

The maximum Eligible Boosted Amount under this Promotion is S$50,000. Funding above the Eligible Boosted Amount will remain invested in Cash+ Enhanced but will not receive the additional return boost. The Eligible Boosted Amount for each tier is based on 50% of the minimum Qualifying Net Funding required for that tier, rather than 50% of the client’s actual Qualifying Net Funding.

7. Reward Mechanics

Eligible clients will receive an additional return boost equivalent to 2.0% p.a. on the applicable Eligible Boosted Amount during the Boost Period, from 16 October 2026 to 15 November 2026 (31 calendar days). The Reward will be calculated as follows:

Reward = Eligible Boosted Amount × 2.0% × 31 ÷ 365

Based on the current projected net yield of Cash+ Enhanced of 3.0% p.a., the additional return boost is equivalent to a total yield of up to 5.0% p.a. on the Eligible Boosted Amount during the Boost Period. The projected net yield is not guaranteed and may change, and the total effective rate may therefore be higher or lower than 5.0% p.a. The additional 2.0% p.a. return boost is a fixed rate provided by Syfe, on top of Cash+ Enhanced’s ordinary portfolio returns, and is calculated separately from the investment performance of Cash+ Enhanced.

The Reward is non-transferable, non-exchangeable, non-refundable and cannot be exchanged for cash or other benefits. Syfe reserves the right, at its sole discretion and for any reason, to substitute or modify the Reward with another item of equal or greater value without prior notice.

8. Boost Period

The Boost Period runs from 16 October 2026 at 12:00 AM SGT to 15 November 2026 at 11:59 PM SGT, immediately following the Campaign Period. The Boost Period applies uniformly to all eligible clients, regardless of when during the Campaign Period they completed their Qualifying Funding.

9. Maintenance of Qualifying Net Funding

Clients must maintain their applicable Qualifying Net Funding tier throughout the Boost Period.

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

If, during the Boost Period, the client’s Qualifying Net Funding falls below their qualifying funding tier, the Eligible Boosted Amount and Reward will drop to the applicable lower tier. If the Qualifying Net Funding falls below S$10,000, the Reward will be forfeited.

Syfe reserves the right to disqualify clients or adjust rewards in cases of suspected fraudulent activity, abuse of the Promotion, or attempts to game the system, including withdrawing and redepositing funds to game the system.

10. Crediting of Reward

The Reward will be credited as a lump sum into the client’s active Cash+ Enhanced portfolio within 30 business days after the Boost Period ends, 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. Failure to satisfy all requirements set out in these Terms and Conditions entitles Syfe to withhold or decline to credit the Reward.

The Cash+ Enhanced portfolio must be active at the time of Reward distribution. Otherwise, the Reward will be forfeited.

11. Communications

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. Failure to receive any communication relating to this Promotion will not, by itself, entitle any client to the Reward if the other requirements set out in these Terms and Conditions have not been satisfied.

12. Currency

All monetary values stated in these Terms and Conditions are in Singapore Dollars (SGD).

13. 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 administering this Promotion, for 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 11 above). Any questions regarding Syfe’s Privacy Policy or treatment of your personal information should be directed to [email protected].

14. Release and Indemnity

By participating in the Promotion, each client agrees that Syfe shall not be liable for any loss or damage which may arise in connection with their participation in the Promotion. Without limiting the foregoing, the client hereby: (a) forever releases and discharges Syfe and its parent companies, subsidiaries, affiliates, related and associated entities and each of their employees, directors, officers, suppliers, agents, sponsors and administrators (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 the client may suffer as a result of, or in connection with, 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 participation in the Promotion.

15. Reservation of Rights

Syfe reserves the right to amend, withdraw, suspend or restrict the Promotion at any time without notice, subject to applicable law. Syfe is the sole arbiter of these rules and any other issue arising under the Promotion. If Syfe suspects fraudulent or abusive behaviour, gaming of the system, inappropriate, offensive or derogatory language or information, or a violation of these Terms and Conditions, Syfe reserves the right to remove the client from the Promotion and take any other action it deems appropriate, including, but not limited to, removing the Reward value from the client’s account or closing the client’s account.

16. General

In the event of any inconsistency between these Terms and Conditions and any advertising, promotional, publicity, or other materials relating to or in connection with this Promotion, these Terms and Conditions shall prevail.

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. These Terms and Conditions shall be governed by the laws of Singapore.

17. Disclaimers

This content is intended solely to provide general information and should not be viewed as financial advice, and is not meant to market any specific investment or offer or recommend the purchase or sale of any specific investment product or security. Syfe makes no representations and gives no warranties about the accuracy or suitability of any information provided. All forms of investment carry risks, including the risk of losing the full amount invested. You should carefully consider whether any investment views and products or services are appropriate in view of your personal investment experience, objectives, financial resources and relevant circumstances. You may wish to seek financial advice through a financial adviser or the Syfe platform and independent legal, accounting, regulatory or tax advice, where appropriate and/or necessary.

Cash+ Enhanced is an investment portfolio and is not a bank deposit. Its principal value and returns are not guaranteed. The projected YTM is an estimate based on the weighted average YTM of the underlying funds in Cash+ Enhanced, after fees. It is not guaranteed, may change and may not reflect the client’s actual return.

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. Syfe makes no representation that the material and information contained herein are appropriate or available for use in other locations or jurisdictions.

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.

Syfe Pte. Ltd. is a digital investment platform licensed by the Monetary Authority of Singapore and holds Capital Markets Services Licence No. CMS100837. Full disclaimers and terms & conditions are available at www.syfe.com.

This advertisement has not been reviewed by the Monetary Authority of Singapore.