Please read these Terms & Conditions before joining the Stella's New Features Beta Program. They apply to selected new features made available through Stella. Stella itself is our existing banking conversational chatbot and is not a beta service.

AI Stella is our existing conversational banking assistant. Its standard chat features will remain available whether or not you join the beta programme. Only the new features clearly identified as Beta Features are covered by these Supplementary Terms.

Before joining, please remember:

• Participation is voluntary. You can continue to use Stella and our standard banking services without joining.
• Beta features are still being tested and may change, be unavailable or be withdrawn.
• You can leave the Beta Program at any time. Leaving does not cancel a payment you have already approved and submitted through the Beta Program.
• Before a payment is submitted, you must review the final payment details and separately approve and authenticate the payment.
• Beta Features are still being tested and improved. They may occasionally misunderstand a request, extract information incorrectly, be unavailable or not work as expected.
• You can leave the beta programme at any time. Leaving will not cancel a payment or instruction you have already approved and submitted.

1.1. These Terms & Conditions govern the Stella's New Features Beta Program (the "Program"), which is offered by iFAST Global Bank ("the Bank").

1.2. The Program applies exclusively to eligible clients with the early access of selected new features that are extended from current AI Stella's capability.

1.3. During the Program, Stella's new feature may be changed, enhanced, temporarily unavailable or be withdrawn from time to time.

1.4. Enrolling the Program is voluntary. Enrolling the Program does not guarantee access to every beta feature.

2.1. The Program is available to selected customers of Digital Personal Banking who hold an iFAST Global Bank Multi-Currency Current Account (the "Account"), in accordance with the Main Terms.

2.2. The Program runs from 24 September 2026 until the features are officially publicly available, following which these Terms shall automatically expire.

2.3. The Program is only applicable to account holders that have choose to join the Program and accept these Terms & Conditions before being able to access to beta features.

2.4. You must meet the eligibility requirements for the relevant beta feature. Your access to certain features may be removed, should the eligibility requirement have changed.

2.5 We may change or remove your access if you no longer meet the relevant eligibility requirements or if we reasonably consider this necessary for security, fraud prevention, legal, regulatory, technical or operational reasons.

2.6 Each Beta Feature will remain in beta until we withdraw it, make it part of our standard service or replace these Supplementary Terms with other applicable terms. Where appropriate, we will let you know when this happens.

3.1. Beta features may use artificial intelligence to understand your request, collect information, extract information from supported attachments and prepare information for our banking systems.

3.2. Information produced or extracted by Stella may not always be complete or accurate. Manual verification of the provided details is required, prior in approving or initiating an instruction assisted by Stella.

3.3. If a beta feature cannot complete your request, Stella may require further information from you or redirect you to our standard banking journey.

3.4. Beta features cannot be used to bypass or interfere with our existing payment terms, limits, and any applicable controls.

3.5 The Beta Features cannot be used to avoid or interfere with our payment limits, security checks, fraud controls, account restrictions or other applicable requirements.

• Understand requests entered into AI Stella;
• Ask for information needed to prepare a banking instruction;
• Identify a payee from the information you provide;
• Extract payment information from a supported screenshot, photograph, receipt or document; and
• Pre-fill payment details for you to review.

4.1. Some beta features may allow Stella to help you prepare a payment using information you provide in the chat or in a supported attachment, such as a screenshot, image, receipt or document.

4.2. Stella can help collect and prepare payment details, but it cannot independently approve, authorise or execute a payment. A message to Stella on its own will not send money.

4.3. Before a payment is being submitted, extracted payment details will be shown to you to verify, approving, and completing any authentication that is required.

4.4. Once payment details have been generated by Stella, verification is required before approving them. Should the payment details be inaccurate, or does not match your intended details, you have the option to edit or cancel the payment.

4.5. Should a payment details have been changed after reviewing them, the new details are required to be review and verify prior in approving the payment.

4.6. Our existing payment terms, payment limits, and other applicable banking controls apply as usual.

4.7 If any payment details are changed after you have reviewed them, the updated details must be shown to you for a fresh review and approval before the payment can be submitted.

4.8 Once you have approved and submitted a payment, it will be treated in the same way as a payment submitted through our standard payment journey. The Main Terms, including the provisions concerning execution, refusal, cancellation and payment limits, will apply.

4.9 Approval does not guarantee that a payment will be executed. We may delay or refuse a payment, or request further information, in accordance with the Main Terms and our legal, regulatory, fraud-prevention and security obligations.

4.10 If AI Stella or the app does not clearly confirm whether a payment has been submitted, you should check your transaction history before trying again. This can help avoid submitting the same payment more than once.

• Through a conversational request, such as asking AI Stella to prepare a payment to a particular person; or
• By uploading a supported image or document containing payment details.

• The payee’s name;
• The sort code, account number, IBAN or other account identifier;
• The payment amount and currency;
• The payment date;
• The payment reference;
• Any applicable fees; and
• Any applicable exchange rate and the amount to be converted.

5.1. Authentication via Digital Token are required while approving payment using the beta features.

5.2. For avoidance of doubt, do not share your credential, or any sensitive information to Stella, or another person.

5.3. We process personal data when you use beta features. How we collect, use, share and protect personal data, and the rights available to you, are explained in our Privacy Notice: [Privacy Notice link].

5.4 An image or document containing payment details is not evidence that the payment request is genuine. You remain responsible for deciding whether you know and trust the intended payee.

5.5 If someone asks you to move money urgently, keep the payment secret, ignore a fraud warning or misrepresent the reason for the payment, stop and contact us before proceeding.

5.6 Please tell us promptly if you notice an incorrect or duplicate payment, suspicious activity or a problem with a Beta Feature.

• Password or PIN;
• Digital Token passcode;
• One-time password or verification code;
• Full card security details; or
• Any other information that we tell you must be kept secret.

6.1. We may change, suspend or withdraw a beta feature while it is being tested. Where appropriate, we will tell you about a material change that affects how you use it.

6.2. You can leave the Program at any time using the option available on iFAST GB Mobile App. Although Stella's existing features can be used normally, access to new features will be withdrawn.

6.3. Leaving the Program does not cancel, reverse or otherwise affect a payment or other banking instruction that you have already approved and submitted.

6.4. The Bank may modify these Supplementary Terms, including changes to the Program's feature or the period. Changes may be made for the following reasons, including but not limited to:

• Improve or update the program, including adding or removing new requirement or modifying new features.
• Reflect changes in law, regulation or best practice.
• Adopt new technology or align with industry innovations.
• Clarify these Terms and Conditions or correct errors.
• Monitor, test and improve the accuracy, safety and performance of AI Stella.

7.1 These Supplementary Terms are issued pursuant to and form part of the Main Terms.

7.2 All other provisions of the Main Terms continue to apply to your use of the iFAST Multi-Currency Current Account, including but not limited to terms on account eligibility, complaints, data protection, and liability.

7.3 These Terms & Conditions shall be governed by and interpreted in accordance with the laws of England and Wales.

7.4 We may need to take immediate action without advance notice where this is necessary to protect customers, the Bank or the security and integrity of our services. Where appropriate, we will tell you about a material change that affects your use of a Beta Feature.

7.5 We may update these Supplementary Terms where reasonably necessary to:

7.6 We will give you reasonable notice of a material change to these Supplementary Terms where required and where it is reasonably possible to do so. If you do not wish to accept a change, you can leave the Programme before it takes effect.

• Reflect changes to the Programme or Beta Features;
• Improve security or customer protection;
• Comply with law, regulation or regulatory guidance;
• Reflect changes in technology or our systems; or
• Clarify these Supplementary Terms or correct an error.

8.1 We may restrict or remove your access to a Beta Feature if we reasonably suspect fraud, misuse, manipulation, unlawful activity or conduct that could harm the Bank, another person or the operation or security of our services.

8.2 Restricting or removing access to a Beta Feature will not normally affect your ability to use AI Stella’s standard chat features or our usual banking services.

8.3 Any decision to restrict, suspend or close your Account will be taken separately and in accordance with the Main Terms and applicable law and regulation.

9.1 The Beta Features are provided with the limitations explained in these Supplementary Terms. We do not promise that they will always be uninterrupted or free from errors.

9.2 We remain responsible for providing our banking and payment services in accordance with the Main Terms and our obligations under applicable law and regulation. The Bank shall not be liable for any indirect or consequential loss arising from or in connection with your use of the Beta Features.

9.3 Nothing in these Supplementary Terms excludes or limits our responsibility where it would be unlawful to do so. In particular, joining the Programme does not remove or reduce any rights you may have concerning unauthorised payments, incorrectly executed payments, fraud or scams.

9.4 If you believe something has gone wrong, contact us as soon as possible so that we can investigate and, where possible, take appropriate action.

10.1 You can leave the Programme at any time using the option available in the iFAST Global Bank app.

10.2 After leaving, you can continue using AI Stella’s standard chat features and our normal banking journeys, but you will no longer have access to the Beta Features.

10.3 Leaving the Programme does not cancel, reverse or otherwise affect a payment or other instruction that you have already approved and submitted.

10.4 These Supplementary Terms will automatically cease to apply if your Account is closed, except for any provisions that are intended to continue after closure.

11.1 We may invite you to provide feedback about the Beta Features. Providing feedback is optional, but it can help us improve AI Stella.

11.2 If you are unhappy with a Beta Feature or how we have handled a payment, you can contact us or make a complaint in accordance with the complaints section of the Main Terms.

12.1 These Supplementary Terms form part of the agreement between you and iFAST Global Bank.

12.2 Except as expressly stated in these Supplementary Terms, all provisions of the Main Terms continue to apply.

12.3 These Supplementary Terms are governed by the laws of England and Wales and shall be subject to the jurisdiction of the courts of England and Wales

For more details, please contact our customer service team at clienthelp@ifastgb.com or reach out to us via online chat and online call, available:

Our customer service hours are:

Weekdays: from 1:00 am to 11:00 pm (GMT), or 2:00 am to 12:00 am GMT+1 (BST)

Weekends: from 8:00 am to 12:00 pm (GMT), or 9:00 am to 1:00 pm GMT+1 (BST)