OBS_VALUE: Foreign banks with full bank licences can only operate a limited number of automated teller machines (ATMs). The qualifying full bank (QFB) scheme allows foreign banks (as from 2012, QFB privileges are only granted under free trade agreements) to share their ATM networks with another QFB or its qualifying subsidiary. A QFB also may, with the prior approval of the MAS, access the ATM network of the local bank to permit a cardholder of the QFB to obtain cash advances from his credit or charge card account.