GIRO is available to DBS/POSB Bank account holders only. When clients purchase shares, the payment will be debited directly from their designated bank accounts. Please ensure that you have sufficient funds in you bank account by Settlement Date. Proceeds will be credited to the same bank account when clients sell their shares. EPS is available to individuals who have bank account(s) with DBS/POSB Bank, UOB, OCBC or Citibank Singapore. When clients purchase shares, they will have to initiate payment through the ATM. Proceeds will be credited to the same bank account when clients sell their shares.