OBS_VALUE: <ul><li><a href=https://sso.agc.gov.sg/Act/BA1970 target=_blank>Banking Act 1970(Banking Act 1970REVISED EDITION 2020, last amended 01 July 2021. Section 41.)</a></li><li><a href=https://abs.org.sg/industry-guidelines/consumerbanking target=_blank>The Association of Banks in Singapore official website(Industry Guidelines - Consumer Banking - Code of Consumer Banking Practice, Section 12)</a></li><li><a href=https://www.mas.gov.sg/monetary-policy/Singapores-Monetary-Policy-Framework target=_blank>Monetary Authority of Singapore official website(Monetary Policy Framework, Singapore's Exchange Rate-based Monetary Policy )</a></li></ul>