“what,” “why,” and “how” of each phase of the assessment process

The STC Anywhere app from Somerset Trust is more versatile andconvenient. Quickly pay bills and deposit checks just by taking apicture. Easily transfer money to friends or family. Check balancesfaster without having to log in. You can do all this and more, anddo it all with multiple layers of security. The STC Anywhere app -designed to let you do just about anything, anywhere, anytime. Nowthat’s convenient! Our mobile app is FREE and allows you to: • Paybills by snapping a photo • Transfer funds to friends and family •Make a check deposit on the go • Check your balances withoutlogging in • Locate a branch or ATM • Turn your debit card on/offfor extra security • Contact our People First Call Center • Setalerts • Share our app with friends and family To enroll in mobilebanking, you must be a customer of Somerset Trust. Simply downloadthe free mobile banking app and click ‘Register Now’ to getstarted. Disclosure: Some features are available for eligiblecustomers and accounts only. There is no charge from Somerset TrustCo for STC Anywhere. There may be message and data rates from yourcommunications service provider. STC Anywhere service may beinterrupted by various reasons including service outages affectingyour phone, wireless or internet provider; technology failures; andsystem capacity limitations.

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Meet Kris+, your lifestyle rewards app that lets you enjoyexclusive deals and privileges every day at over 1,000 dining andretail partner outlets in Singapore. Enjoy up to 6% rebates and getthe BEST miles rate in town of up to 9 miles per SGD spent, bysimply making payments through the app as you shop and dine! WithKris+, everything adds up: DEALS, PRIVILEGES, REWARDS & REBATES- Privileges with minimum of 10% off, 1-for-1 deals andcomplimentary treats. - Exclusive birthday privileges during yourbirthday month. - Earn rebates in miles for every payment madethrough the app, with no minimum spend or cap in the maximum numberof miles you can get. As good as cashback! - Your spend on Kris+lets you earn both rewards from Kris+ and your credit card, easilydoubling your rewards! - Convert reward points from your Citibank,CapitaStar, DBS or UOB account to miles. - Redeem your earned milesto offset your future purchases or transfer them to your KrisFlyeraccount to accumulate for your next Singapore Airlines flight.PARTNER MERCHANTS - In Singapore, there are 300+ partnering brandsand over 1,000 outlets across dining, retail, wellness, leisureactivities and services categories. - Local partners include –award winning restaurants like Braci, Amò, atout and Alma by JuanAmador; casual dining restaurants like Aburi-EN, Enjoy EatingHouse, Mrs Pho, The Coffee Academics and Nuodle; cafes and bistroslike Paris Baguette, Gong Cha, Cedele, Mellower Coffee and 25Degrees Burger; retail brands like Harvey Norman, Challenger,Simmons, In Good Company, PUMA, Bottles&Bottles and FairPriceFinest; services like Esso, Shunji Matsuo and PHS HAIRSCIENCE;attractions like Holey Moley Golf Club, Ola Beach Club and iFly;wellness salons like House of Traditional Javanese Massage LifeSpa,and Kenko Wellness. - Use Kris+ and enjoy privileges at countrieswith partnering merchants, including South Korea, India, Australia,Indonesia, Hong Kong, Indonesia, Philippines, Thailand, and more.FEATURE HIGHLIGHTS - Monthly flash deals for vouchers and promocodes. - Complete in-app challenges and get rewarded instantly. -Frequent bonus miles and miles-back promotions. - Transfer miles toand from your KrisFlyer account to your Kris+ app. - Discoverpartner outlets nearby where you can use Kris+. - Shop directly onKrisShop and earn miles for every transaction made. - Personalisedpush notification and recommendations. - Retrieve your SingaporeAirlines pass within 24 hours. before arriving in Singapore, orduring your stay in Singapore. SEAMLESS PAYMENT - Set up Google Payon your mobile phone with your desired debit / credit card; Kris+will automatically detect this as a payment option - Simply scanthe QR code at our partner outlets with your Kris+ app and proceedwith payment using Kris+. REFERRAL REWARDS - Earn SGD 5 worth ofmiles for both you and your friend for every successful Kris+referral. For more information, visit https://krisplus.com