Applies to: Approved CIS Trustee , Dealing in Capital Markets Products , Product Financing , Providing Custodial Services , Licensed Fund Management Company , Venture Capital Fund Management Company , Corporate Finance Advisory , REIT Management , Credit Rating Agency , Securities Crowdfunding , Full Bank (Branch) , Full Bank (Locally Incorporated) , Wholesale Bank (Branch) , Wholesale Bank (Locally Incorporated) , Finance Company , Merchant Bank (Locally Incorporated) , Merchant Bank (Branch) , Credit/Charge Card Issuer , Direct Insurer (Life) , Direct Insurer (General) , Direct Insurer (Composite) , Reinsurer (Life) , Reinsurer (General) , Reinsurer (Composite)