Important Notes

Disclaimer & Important Notice for Research

The information published by DBS Bank Ltd (“DBS”) is for information only. It is based on information or opinions obtained from sources believed to be reliable and to the maximum extent permitted by law, DBS does not make any representation or warranty (express or implied) as to its accuracy, completeness, timeliness or correctness for any particular purpose. Opinions and estimates are subject to change without notice. Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment or securities. Foreign exchange transactions involve risks. You should note that fluctuations in foreign exchange rates may result in losses.

The information published is not and does not constitute or form part of any offer, recommendation, invitation or solicitation to subscribe to or to enter into any transaction; nor is it calculated to invite, nor does it permit the making of offers to the public to subscribe to or enter into any transaction, and should not be viewed as such. DBS, its related companies and affiliates (“DBS Group”) and its respective directors, officers and/or employees may have positions or other interests in, and may effect transactions in securities mentioned and may also perform or seek to perform broking, investment banking and other banking or financial services to any persons or entities mentioned.

To the maximum extent permitted by law, DBS Group accepts no liability for any losses or damages (including direct, special, indirect, consequential, incidental or loss of profits) of any kind arising from or in connection with any reliance and/or use of the information (including any error, omission or misstatement, negligent or otherwise) or further communication, even if DBS Group has been advised of the possibility thereof.

The information is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

Disclaimer for Investment Products

This publication is for general circulation only. It does not form part of any offer or recommendation, or have any regard to the investment objectives, financial situation or needs of any specific person. Before committing to an investment, please seek advice from a financial or other professional adviser regarding the suitability of the product for you and read the relevant product offer documents, including the risk disclosures, which can be obtained from DBS Bank Ltd. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you.

Important Notes for Life Insurance

All ages mentioned are based on Age Last Birthday (ALB).

These insurance plans and riders are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS.

You will find the precise terms, conditions and exclusions of these plans in the respective Policy Contracts. This is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial situation and particular needs. You should seek advice from a financial adviser and obtain the Product Summary to read before deciding whether the product suits you. A Product Summary may be obtained from Manulife or any DBS/POSB branch. If you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender values payable (if any) may be less than the total premiums paid.

You may write to Manulife to cancel the policy within 14 days of receiving the policy document and obtain a full refund of the premium paid after deducting any expenses incurred in issuing the policy. If the policy is sent by post, it shall be deemed to have been delivered within 7 days after posting.

These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Important Notes for Health Insurance

These insurance policies are underwritten by Aviva Ltd (“Aviva”), and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial information and particular needs. You will find the precise terms, conditions and exclusions of these plans in the respective policy contracts. Do speak to a financial adviser and obtain the product summary to read before deciding whether the product suits you. A product summary may be obtained from Aviva or any DBS/POSB Bank branches. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva or or visit the Life Insurance Association (LIA), or SDIC websites (www.lia.org.sg or www.sdic.org.sg).