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LUM YIK LONG EDWIN S8807381I

Lam Enliang Joshua

eFC Amethyst - PFI - Mar 2020 (rev 0920) Financial Alliance Pte Ltd

FINANCIAL ALLIANCE PTE LTD - BUSINESS ACTIVITIES


Financial Alliance Pte Ltd is a Financial Adviser Company licensed by the Monetary Authority of Singapore (MAS).The Company is currently authorised by MAS to:1 Provide advice on life insurance policies2 Arrange life insurance policies3 Provide advice on collective investment schemes *

4 Provide advice on securities *5 Provide advice by issuing or promulgating research analyses or researchreports on life insurance, collective investment schemes and securities

* We may assist you in dealing with securities (including collective investment schemes) when such dealings are incidental to the advisory activities above.

Your consultant may be licensed to provide some or all of the above advisory activities. These are declared to you on the following page.The company also provides advice on the following products and services not regulated under Financial Advisers Act (FAA):

1 Advice on loan products2 Advice on wills & trusts

3 Advice on financial planning4 Advice on alternative investmen

The company currently provides advice on financial products from the following companies:FAA Regulated Products Life Insurance Products1 AIA Singapore Pte Ltd2 Aviva Ltd3 AXA Life Insurance S'pore Pte Ltd4 China Life Insurance (S) Pte Ltd5 China TaiPing Insurance (S) Pte Ltd6 Etiqa Insurance Pte. Ltd.7 Friends Provident Intl Ltd (S'pore Br)

8 FWD Singapore Pte Ltd9 HSBC Insurance (S) Pte Ltd10 Life Insurance Corporation (S) Pte Ltd11 Manulife (S'pore) Pte Ltd12 NTUC Income Insurance Co-operative Ltd13 Quilter International

14 Raffles Health Insurance Pte Ltd15 Singapore Life Pte Ltd16 Swiss Life Global Solutions17 Tokio Marine Life Insurance S'pore Ltd18 Transamerica Life (Bermuda) Ltd19 Utmost Worldwide Limited (S'pore Branch)

Investment ProductsWe work with the following platforms to offer investment products for our clients:1 FAME (Phillip Securities)2 Havenport Asset Mgt Pte Ltd

3 iFAST Financial Pte Ltd4 Navigator 5 UOB Kay Hian

These are some of the fund-houses that are available on these platforms:1 Aberdeen Standard Investments (Asia) Ltd2 AllianceBernstein (S'pore) Ltd3 Allianz Global Investors S'pore Ltd4 Amundi S'pore Limited5 DWS Investments Singapore Limited6 DWS Islamic Funds Plc7 Eastspring Investments (S'pore) Ltd8 FIL Investment Mgt (S'pore) Ltd

9 First Sentier Investors (Singapore)10 Franklin Templeton Investments11 Fullerton Fund Mgt Co Ltd12 Janus Henderson Investors (Singapore) Limited13 Legg Mason Asset Management Singapore Pte.Limited14 Lion Global Investor Ltd15 Montreux Capital Management (UK)

16 Nikko Asset Mgt Asia Ltd17 PineBridge Invts S'pore Ltd18 Schroder Investment Management19 Swaen Capital Pte Ltd20 Templeton Asset Mgt Ltd21 UBS Asset Management - Singapore22 UOB Asset Mgt Ltd

Non-FAA Regulated Products General/Group Insurance ProductsFinancial Alliance Pte Ltd is also an exempt general insurance broker authorised to deal with licensed general/group insurance companies.The following are some general insurers we work with:1 Aetna Insurance (S'pore) Pte Ltd2 AIA Singapore Pte Ltd3 AIG Asia Pacific Insurance Pte Ltd4 Allianz Global Corporate & Specialty (AGCS)5 Allianz Insurance Singapore Pte Ltd6 Allied World Assurance Co Ltd (S'pore)7 Aviva Ltd8 AXA Insurance Pte Ltd9 Berkshire Hathaway Specialty Insurance Co.10 China Taiping Insurance (S) Pte Ltd11 Chubb Insurance S'pore Ltd12 CIGNA International

13 Delta Insurance S'pore Pte Ltd14 ECICS Limited15 EQ Insurance Company Ltd16 ERGO Insurance Pte Ltd17 Etiqa Insurance Pte Ltd18 Great American Insurance Co.19 Great Eastern General Insurance Ltd20 Great Eastern Life Assurance Co. Ltd.21 HL Assurance Pte Ltd22 India International Insurance Pte Ltd23 Liberty Insurance Pte Ltd

24 Lonpac Insurance Bhd25 MS First Capital Insurance Ltd26 MSIG Insurance (S'pore) Pte Ltd27 NTUC Income Insurance Co-operative Ltd28 QBE Insurance (International) Ltd29 Raffles Health Insurance Pte Ltd30 Sompo Insurance S'pore Pte Ltd31 Tokio Marine Insurance S'pore Ltd32 Tokio Marine Life S'pore Ltd.33 Zurich Insurance Co. Lt34 Zurich International Life Ltd

Loan Products1 ANZ Singapore2 CIMB Bank3 Citibank Singapore4 DBS

5 Hong Leong Finance6 HSBC Bank7 Lloyds TSB Bank plc8 MayBank

9 OCBC10 POSB11 RHB12 Sing Invt & Finance

13 Standard Chartered14 State Bank of India15 UOB16 Westpac Bank

Tax & Estate Planning Services1 Barakah Capital Planners 2 Chris Chong & CT Ho LLP 3 Falco Heritage Pte Ltd 4 Kensington Trust Singapore Lt

The above listing of product providers is correct as at 1 Oct 2020. Any changes after this date will be reflected in the next revision of this document.For an updated listing, please refer to our website at www.fa.sg Any queries you may have on the products and services should be emailed to [email protected] faxed to 62221019 or directed to Financial Alliance Pte Ltd, 150 Beach Road, Gateway West, #12-01/08 Singapore 189720. Attention to: WealthManagement Dept.

PARTICULARS OF YOUR FINANCIAL CONSULTANT


Name: Lam Enliang Joshua MAS Rep Code: LEJ300123049

Designation: Financial Advisory Manager FAR Code: 80759

E-mail address: [email protected] HP No.: 97572199The above Financial Consultant is Financial Adviser Representative (FAR) of Financial Alliance Pte Ltd who is licensed by the Monetary Authority ofSingapore (MAS) to conduct the following regulated activities:

Tick Accordingly1. Provide advice on life insurance policies.2. Arrange life insurance policies.3. Provide advice on collective investment schemes.4. Provide advice on securities.

You may also refer to the Register of Representatives on the MAS website at www.mas.gov.sg

YOUR PREFERRED LANGUAGE OF COMMUNICATION

Client JointClient

I am comfortable with receiving relevant financial advice in English Language.

I am not proficient in English Language and I would like to receive the relevant financial advice in the spokenlanguage stated below. I understand that all official documents & product information are written in the EnglishLanguage, and English version shall prevail in any event. Translation is for reference only.

Client Joint-ClientEnglish

YOUR FINANCIAL OBJECTIVES


1. Please tick in the check box to indicate the personal financial issues that are of concern to you.2. Please prioritise the financial issues that are of concern to you. (optional)3. Please note that needs analysis on your concerns can only be conducted if sufficient information is provided by you.

Client Client's

Dependents* Tick Priority Tick Priority

( A ) WEALTH MAINTENANCE

A1. Financial Health Check

NotApplicable

A2. Emergency Fund Planning A3. Debt Analysis A4. Personal Income Tax Planning

( B ) WEALTH PROTECTION Financial Protection against the following events: B1. Death B2. Total & Permanent Disability B3. Critical Illness B4. Hospitalisation B5. Personal Accident B6. Disability Income Not

Applicable B7. Long-Term Care

( C ) WEALTH ACCUMULATION C1. Retirement Funding

NotApplicable C2. Children's tertiary education funding

C3. Short / Medium Term Savings

( D ) WEALTH ENHANCEMENT D1. Analysis of Investible Assets

NotApplicable

D2. Invest cash savings D3. Invest SRS (Supplementary Retirement Scheme) savings D4. Invest CPFOA savings D5. Invest CPFSA savings

( E ) WEALTH DISTRIBUTION E1. Estimation of distributable assets Not

Applicable E2. Estate distribution planning

( F ) OTHER CONCERNS F1. Not

Applicable F2.

* In order to avoid complexity and confusion, this financial planning shall exclude dependents of non-spousal Joint-Client. If non-spousal Joint Client wishes to include planning for his/her dependent(s), please use a separate set of Financial Compass documents.

YOUR PERSONAL PARTICULARS - CLIENT Prefer Syariah-Compliant Solutions Only


Fields marked with an asterisk (*) are mandatory. (Please state N.A. if information requested is not applicable.)Salutation Mr. Name * LUM YIK LONG EDWIN

NRIC/Passport No. * S8807381I Date of Birth * 07/03/88 (dd/mm/yy) Age 33 years

Nationality * Singapore Citizen Gender * Male Female

Please specify your visa status if you are not a Singapore Citizen / Permanent Resident: Employment Pass S-Pass Work Permit Other:

Race Malay Chinese Indian Other:

Marital Status Single Married Divorced Widowed Other

Smoking Status Smoker Non-Smoker Height 175 cm Weight 58 kg

Contact No. * 92992832 (Mobile) 66678318 (Home) (Work)

Email * (P) [email protected]

Residential Address * 266C COMPASSVALE BOW #17-18 THE CORIS Singapore 543266

Mailing Address(if different from above)

Highest EducationLevel * Postgraduate Degree Diploma 'A'-Level NITEC

'O'-Level 'N'-Level Primary No formal education

Occupation * Education Officer Since (mm/yy) Length of Service years

Nature of Employment Full-Time Contract Part-Time Commission-based

Self-Employed Retired Unemployed

Annual Income * Less than 30,000 30,000 - 60,000 60,001 - 100,000 100,001 - 150,000

150,001 - 200,000 200,001 - 250,000 250,001 - 300,000 Above 300,000

Employer * MOE

Nature of Business * Banking / Finance IT / Communication Casino / Other Gaming or Gambling Operations

Professional Service Civil Service Production or Distribution of Military Products

Sales / Marketing Money Services Charity / Non-Profit Retail / F&B

Manufacturing Travel / Hospitality Other, please specify

Politically-Exposed Person (PEP) *Please tick the appropriate box/boxes below and provide the details required. It is mandatory to tick box D if box A, B & C are not applicable.A. I am entrusted with prominent public function in Singapore or a foreign country

Prominent Public Function Held CountryB. I am an immediate family member of someone who has been entrusted with prominent public functions in Singapore or a foreign country.

Name of person entrusted with prominent public function RelationshipProminent Public Function Held Country

C. I am a close associates of someone who has been entrusted with prominent public functions in Singapore or a foreign country.Name of person entrusted with prominent public function RelationshipProminent Public Function Held Country

D. None of above.

"prominent public functions" includes the roles held by a head of state, a head of government, government ministers, senior civil servants, senior judicialor military officials, senior executives of state owned corporations, and senior political party officials.

YOUR INCOME & EXPENSES


Annual Cash Inflow Client / Joint

Incom

e

Annual Income (Ordinary wages) 72,000.00 Bonuses (Additional wages) 15,000.00

Gross Income (Total wages) 87,000.00 Less: Employee CPF contribution 14,112.00

Net Income 72,888.00 Add: Other Income e.g., allowance, rental, interest, investment income

Total Annual Cash Inflow [A] 72,888.00

Annual Cash Outflow Client / Joint

Monthly Expenses

Hous

ehold

Exp

ense

s

Utilities (Water, Electricity, Gas) Telecommunications / Internet Conservancy Fee Domestic Helper (Wages, Foreign Maid Levy, etc.) Food & Groceries Housing (Rental, Properly Tax, Upkeep, etc.) TV Expenses (Cable TV, TV License, etc.) Insurance (Fire, Home Contents, etc.) Others:

Total Household Expenses

Tran

spor

tation

Exp

ense

s

Public Transportation 400.00 Automobile Insurance / Road Tax Petrol Vehicle Maintenance Parking ERP Others:

Total Transportation Expenses 400.00

Perso

nal E

xpen

ses

Mobile Phone 20.00 Personal Grooming Dependent Support (Alimony, Parents, Spouse, etc.) 800.00 Gifts, Offerings, Donations Recreation, Hobbies, Personal Development 83.33 Dining Out 300.00 Income Tax 141.67 Medical & Dental Expenses 41.67 Insurance (Non-Savings Plan) 719.33 Others:

Total Personal Expenses 2,106.00

YOUR INCOME & EXPENSES


Annual Cash Outflow (Cont'd) Client / Joint

Monthly Expenses

Child

ren's

Exp

ense

s

Child Support-Allowance Childcare / Nanny Medical Expenses Education Expenses (School Fees, Books, etc.) Enrichment Activities Music, Dance, Tuition, etc.) Transportation (Public Transport, School Bus, etc.) Insurance (Non-Savings Plan) Others:

Total Children's Expenses

Luxu

ry

Holiday Club Membership Entertainment Others:

Total Luxury Expenses

Loan

Rep

ayme

nt (in

Cas

h) Home Loan Can Loan Credit Card / Overdraft Renovation Loan Hire Purchase Others:

Total Loan/Debt Repayment (In Cash)

Misc

/ Othe

rs

Total Miscellaneous Expenses

Total Monthly Expenses 2,506.00

Annual Expenditure [B] 30,072.00

Savin

gs &

Inve

stmen

t

Insurance Premium Savings Plan 212.33

Regular Savings and Investments

SRS Contribution

Total Monthly Savings & Investments 212.33

Annual Savings & Investments [C] 2,548.00

Total Annual Cash Outflow [D] = [B] + [C] 32,620.00

Net Annual Cash Flow [A] - [D] 40,268.00

YOUR CPF INFLOW AND OUTFLOW


Client / JointCPF Inflow Ordinary Special Medisave

Annual Contribution on Ordinary Wages(Employer + Employee) 16,562.09 4,318.34 5,759.57

Annual Contribution on Additional Wages(Employer + Employee) 3,450.43 899.65 1,199.91

Annual Voluntary Contribution

Annual Contribution Top-Up(from Spouse, Children, etc.)

Annual CPF Inflow [A] 20,012.52 5,217.99 6,959.48

CPF Outflow

ExpenditureAnnual Insurance Premium(Life & Health) N.A.

Annual Mortgage Payment 16,800.00 N.A. N.A.Other Annual Withdrawal(Education Funding, Medical, etc. )

Sub-Total [B] 16,800.00

Savings & InvestmentsAnnual Insurance Premium(Savings) N.A. N.A.

Annual CPFIS Investment N.A.

Sub-Total [C]

Annual CPF Outflow[D]=[B]+[C] 16,800.00

Net CPF Cash Flow [A]-[D] 3,212.52 5,217.99 6,959.48

Annual CPF Expenditure 16,800.00

Annual CPF Savings & Investment

SUMMARY OF YOUR EXISTING LONG-TERM CARE INSURANCE


Refer to attached.

Insured Rel* Insurer PolicyNumber Plan Name Monthly

Benefit

ClaimableUpon

2 or 3 ADLs?

BenefitPeriod(Yrs)

PremiumTerm

mode^

Annual Premium

Cash CPF

LUM YIK LONGEDWIN C

MINISTRYOF

HEALTHSINGAPOR

E

CARESHIELD LIFE 600 2 3 LT LP LT 219.00

Notes for Existing Long-Term Care Insurance

Rel * : Relationship to Client. Please indicate C for Client , S for Client's Spouse, CH for Client's Child, P for Client's Parent, JC for Joint-Client.

YOUR PREFERENCE FOR RETIREMENT FUND PLANNING


FAStandardPractice

Client / Joint

Expected Retirement Age 62 60Rate of Return on savings during wealth accumulation period 2% to 5% As indicatedRate of Return on capital during drawdown period

- Based on 5-yr average Based on 5-yrs average (2016 - 2020) 0.39% 0.41%- Based on 20-yr averaged on 20-yrs average (2001 - 2020) 0.64% 0.85%Source: 12 Month FD Rate (MAS website)

Inflation Rate in Singapore (i)- 5-yrs average5-yrs average (2016 - 2020) 0.17% 0.12%- 20-yrs average20-yrs average (2001 - 2020) 1.50% 1.47% Source:SingStats-Consumer Price Index

Inflation adjusted rate of return [( r - i)/ (1 + i/100 )]- Based on 5-yrs average inflation rate 0.22% 0.29%- Based on 20-yrs average inflation rate -0.85% -0.61%

Life Expectancy (at birth)- Male 81 100- Female 86- Husband & Wife Joint Application 84Source: SingStats - Births & Deaths 2018

YOUR PREFERENCE FOR RETIREMENT FUND PLANNING


Information Relevant To Retirement Funding Client / Joint

• Monthly income that you will need during your retirement (in today's value) 2,500

• Amount of Contingency lump-sum needed upon retirement (in today's value)(e.g., single lump-sum for one-off expenses such as long holiday to celebrate retirement)

• Amount required at retirement to pay off debt / liabilities (in future value)

• What is your current estimated SRS account balance (if any)?

• Have you invested your SRS savings? Yes No NA • Please state any descs of income that you expect to receive during retirement

Source of IncomeClient

Annual Amt.(FV) Income Start Age Income Stop AgePrivate Annuity (provided by insurance company or employer)

Other Income (e.g., divident, rental, business income)

• Please state the current assets that you intend to set aside for retirement purpose

ForC/JC Description of Asset

Insurance-Based Investment-Based Reinvestment ^ProjectedMaturityValue

Years toMaturity

CurrentValue Invt Period Annual

SavingRate OfReturn

AnnualSaving

Rate ofReturn

No assets allocated for retirement planning.

^ Reinvestment : For capital accumulated / endowment policies that matured before the expected retirement age, please indicate theintended annual saving (if any) and / or rate of return for the interim period between investment / policy maturity and start of retirement

YOUR RISK PROFILE ASSESSMENT


Understanding your risk profile is important in recommending suitable investments. Investment decisions are usually based on a number of factors likeinvestment objectives, time frame and the amount of risk a person is willing to take.Should you decide not to carry out the risk profile assessment, it is your responsibility to ensure that your preferred risk profile is accurate and suitable .

Please complete this segment regardless of whether you intend to complete the risk profile questionnaire.Your Financial Objective C Time Horizon

I Retirement Planning 30

Step 1: Risk Profile QuestionnairePlease answer the following questions with the objective(s) stated above in mind.

Financial ObjectiveI

1 • Which statement best describes your attitude towards investing?

1 I want investments with low risk.2 I want mix of low risk investments, with some higher risk investments to achieve slightly higher returns.3 I want a portfolio with balance of risk and returns.4 I want a portfolio with emphasis on higher returns, but still maintain some low risk investments.5 I am prepared to take higher risk for higher potential return.

2 • The time frame in which you expect to achieve your financial objective stated above is:

1 1 - 2 years 2 3 - 5 years3 6 - 10 years 4 11 - 19 years5 20 years or more

3 • When do you expect to have a large cash need such as the purchase of a house, medical expenses, retirement etc.,?

1 Yes, in less than 5 years 2 Yes, in 5 to 9 years3 Yes, in 10 to 15 years 4 Yes, in 16 to 20 years5 No, I do not expect any large cash need

4 • What is the primary purpose of this portfolio?

1 Security - lower rate of return and initial capital is secure.2 Income - Produce income, capital is relatively stable.3 Income and Growth Potential - Produce some income while willing to accept some fluctuations in my capital for thepotential of achieving higher returns over the longer term.4 Growth - I understand that the value of my investments may fluctuate. I am willing to accept some fluctuations inmy capital for the potential of achieving higher returns over the longer term.5 Maximum Growth - I am willing to accept a high degree of risk for the potential of achieving a higher rate of returnover the longer term.

5 • If your investment portfolio suffers a 25% loss, how easily can you replace the investment loss with a future source ofincome?

1 It will be impossible 2 It will be very difficult3 It will be difficult 4 Easily, with some planning involved5 Very easily

6 • Given the fluctuations of any investment portfolio, how long would you be willing to wait for your investments to regainany lost value?

1 Less than 6 months 2 6 months to 1 year3 1 to 2 years 4 2 to 3 years5 3 to 5 years

7 • If over a 3-month period, an investment you owned lost 30%, what would you be likely to do?

1 Sell all or most of the investment 2 Sell some of the investment3 Do nothing with the investment 4 Buy some more of the investment5 Buy much more to average down the unit cost

YOUR RISK PROFILE ASSESSMENT


According to your answers for the questions above, your initial risk profile based on your risk profile score is as follow:

Risk Profile Score For The Respective Investment ObjectiveRisk Profile Score I

Aggressive 31 - 35Moderately Aggressive 26 - 30Moderate 17 - 25Moderately Conservative 12 - 16Conservative 7 - 11

Step 2: Adjustment Of Your Initial Risk Profile Based On Your Life Stage Please Tick Accordingly Current Life Stage: Retired Stage - You are several years into your retirement. Retiring Stage - You are in the period before just before or after retirement age. Late Career Stage - Your career has reached its optimal and final stage with lesser income growth potential. You are preparing for retirement. Young & mid-career with dependent - You are in your 20s to 40s with high career and income growth potential. You have dependent/s who needfinancial support.

Young & mid-career without dependent - You are in your 20s to 40s with high career and income growth potential. You have no dependents.

Initial Risk Profile

Conservative ModeratelyConservative Moderate Moderately

Aggressive Aggressive

Life S

tages

Retired Stage Conservative Conservative Conservative ModeratelyConservative

ModeratelyConservative

Retiring Stage Conservative ModeratelyConservative

ModeratelyConservative Moderate Moderate

Late Career Stage Conservative ModeratelyConservative Moderate Moderate Moderately

Aggressive

Young & Mid-career with Dependent Conservative ModeratelyConservative Moderate Moderately

Aggressive Aggressive

Young & Mid-career without Dependent ModeratelyConservative Moderate Moderately

Aggressive Aggressive Aggressive

Financial Objective I

Your Assessed Risk Profile:

Client / Joint-Client's Own Risk Profile PreferencePlease state your preferred risk profile if you did not carry out the above Risk Profile Assessment or if you do not agree withthe result of the above assessment.

Financial Objective I

Your Preferred Risk Profile: Aggressive

CLIENT KNOWLEDGE ASSESSMENT (CKA) AND CUSTOMER ACCOUNT REVIEW (CAR)


Client (C) Joint-Client(JC)Name LUM YIK LONG EDWIN

NRIC / Passport No. S8807381IIt is important to find out if you have knowledge or investment experience to understand the risks and features of "Specified Investment Products" (SIP) whichinclude unit trusts, investment-linked insurance policies, exchange-traded funds or similar products. This assessment, known as Customer KnowledgeAssessment (CKA) / Customer Account Review (CAR), helps to assess your knowledge or investment experience before solution(s) may be offered to you orbefore your account is approved/activated to transact in listed SIPs.You understand that any inaccurate or incomplete information provided by you may affect the suitability of the recommendations made. You agree that a copyof the form will be submitted to the relevant investment platform. By proceeding to provide these information, you have given consent to the collection, use anddisclosure of these information.

PART 1: KNOWLEDGE ACQUIREDEducational Qualifications C JC

1. Do you have a diploma or higher qualification in any of the following fields? (If yes, please indicate as applicable.) Y N Y N

C JC C JC C JC C JC

Accountancy Actuarial Science Business / Business Admin

Capital Markets Commerce Economics Finance

Financial Engineering Financial Planning Computational Finance Insurance

Please also specify relevant details, including the full name of the Education Institution(s) where the above qualification(s) was/were obtained.

C:

JC:

2. Do you possess any other professional finance-related qualifications? Y N Y N(e.g., AFP/AWP/CFP, AFC/ChFC, ACCA, CLU, CFA/CAIA, CPA/CA, CISI, CFTe, FRM, CMFAS M6/M7/M8)If yes, please specify relevant details, including the full name of the qualification(s) and the Education Institution(s) where the qualification(s) was/were obtained:

C:

JC:

Investment Experience

3. Have you conducted at least 6 transactions in the following "Specified Investment Products" (SIP) over the past 3 years? (IfYes, please tick the type of investment traded)

Y N Y N

C JCUnlisted Specified Investment products (e.g., Unit Trusts, Investment-Linked Policies(ILP))If ticked, you have the experience to understand and purchase unlisted SIP.Listed Specified Investment products (e.g., Exchange-Traded Funds (ETF), Certificates including Daily LeverageCertificates (DLC), Structured Warrants, Exchange-Traded Notes (ETN), Futures (Extended Settlement Contracts),Callable Bull/Bear Contracts (CBBC), Futures, Options)If ticked, you have the experience to understand and purchase listed SIP.

Please also specify relevant details, including the full name of the Financial Institution(s) where the transactions were carried out:

C: PRUDENTIAL ASSURANCE COMPANY SINGAPORE PTE LTD

JC:

Work Experience

4. Do you have a minimum of 3 continuous years of working experience* in the preceding 10 years involving the following fields?(If yes, please indicate as applicable.)

Y N Y N

C JCDevelopment / Structuring / Management / Sale / Trading / Research / Analysis of Investment ProductsProvision of training on Investment ProductsAccountancy, Actuarial Science, Treasury, Financial Risk Management and Legal work in financial areas

* Provision of general support functions in the above mentioned areas such as operations, HR, corporate services, and IT will not be considered as relevantexperience.

Please also specify the full name of the business organisation(s), where the above work experience was obtained and any other relevant information:

C:

JC:

CLIENT KNOWLEDGE ASSESSMENT (CKA) AND CUSTOMER ACCOUNT REVIEW (CAR)


PART 2: OUTCOME OF CKA and CAR (Based on answers provided in Part 1)Explanatory Notes on CKA and CAR Outcome1. If any of your responses in Part 1 is 'Yes', you will be deemed to have the relevant knowledge and/or experience to transact in the relevant SIPs.2. However, if you only have Investment Experience in Unlisted SIPs, you do not have the relevant knowledge or experience to transact in Listed SIPs.3. If you only have Investment Experience in Listed SIPs, you do not have the relevant knowledge or experience to transact in Unlisted SIPs.

Outcome of CKABased on the guidelines prescribed by the Monetary Authority of Singapore (MAS),you are assessed:C JC

TO HAVE acquired the relevant knowledge and/or experience tounderstand and purchase unlisted "Specified Investment Products(SIP)".

NOT TO HAVE acquired the relevant knowledge and/or experience tounderstand and purchase unlisted "Specified Investment Products(SIP)".

If you would like to transact in unlisted SIPs (e.g., Unit Trusts, ILPs), your FAR-In-Charge will need to provide you with product advice by assessing the suitabiility ofthe SIP(s) that you would like to invest into.

Outcome of CARBased on the guidelines prescribed by the Monetary Authority of Singapore (MAS),you are assessed:C JC

TO HAVE acquired the relevant knowledge and/or experience tounderstand and purchase listed "Specified Investment Products(SIP)".

NOT TO HAVE acquired the relevant knowledge and/or experience tounderstand and purchase listed "Specified Investment Products(SIP)".

If you would like to transact in listed SIPs (e.g., ETFs/DLCs/StructuredWarrants), please submit this form with the Listed SIP Activation Formfrom the relevant investment platform.

Important Note to Client and Joint-Client:• Product Advice, in the form of a Product Suitability Assessment (PSA), will be conducted and documented in the Product Implementation (PI)

document or Investment Product Servicing Form, which are separate documents.

This document is for online trade. No signature is required.Signature of Client Signature of Joint-Client Signature of Financial Consultant

LUM YIK LONG EDWIN Lam Enliang Joshua Name of Client Name of Joint-Client Name of Financial Consultant

15/10/2021 15/10/2021Date Date Date

CLIENT ACKNOWLEDGEMENT (PART 1 OF 2)


Consent Relating To Personal Data

1. I / we consent to the collection and use of my personal data by Financial Alliance Pte Ltd ("FAPL"), their licensed financialadvisoryrepresentatives ("FARs") and authorised employees, as well as companies within the Financial Alliance Group, collectivelyknown as "FA", to enable them to fulfil their financial advisory¹ engagement ("the Engagement") with me, subject to myagreement that:

a. I am / We are serviced by the undersigned FAR-in-charge. Should he/she be unable to service this Engagement subsequentlyfor anyreason, FAPL may assign to me / us a new FAR-in-charge;

b. FA will disclose the necessary data to relevant product-issuing and/or service-offering third parties ("Relevant Third Parties"),such as, but not limited to, insurance companies, investment platforms, fund houses, law firms and wills & trust firms. Suchinformation may be transferred within or out of Singapore as FA may consider necessary to fulfil this Engagement. Datadisclosed to Relevant Third Parties will thereafter be governed by their respective data use andprotection policies;

c. My / Our personal data that are collected and used by FA and disclosed to the Relevant Third Parties are not restricted tothoseprovided on this Personal Financial Information (PFI) document.

d. The Engagement is an ongoing relationship by nature and it begins when FA collects personal data to assess my / ourfinancialneeds and situation. As my / our circumstances and goals change over time, adjustments and re-alignment via new solutionsmightbe necessary to retain relevance and purpose in this Engagement. Thus, FA may send me / us marketing information viavoicecalls, SMS/MMS and/or faxes to my current and future telephone number(s) that I / we may provide to FA from time to time.I/We confirm that I am / we are the user(s) and/or subscriber(s) of the telephone number(s) provided by me/us in thisdocument.

e. The information I / we provide will be stored with reasonable care and security, and will only be accessed by authorisedpersonnelconnected to the fulfilment of this Engagement; and

f. I / We may request to withdraw any consent given herein at any time by sending an email or hard copy mail to my / our FAR-in-charge.Alternatively, I may send the same to FAPL at:Email: [email protected] or

Address: Customer Service Department, FINANCIAL ALLIANCE PTE LTD

150 Beach Road, Gateway West, #12-01/08 Singapore 189720

2. I / We warrant that, in the event I / we disclose to FA the personal data of individuals other than myself during the course of thisEngagement for FA's collection, use, and disclosure to Relevant Third Parties, I / we have these individuals' consent to do so.

1 Financial advisory services encompass all aspects of personal financial planning and wealth management, including, but not limited to, the meeting of retirement,education funding, financial protection goals, wealth management goals and wealth distribution desires through advice, recommendations and the use of financialproducts, services and techniques.



Acknowledgement on Important Disclosures

• I/We understand that my/our FAR-in-charge is an Appointed Representative with Financial Alliance Pte Ltd, a financial advisorycompany licensed by Monetary Authority of Singapore (MAS).

• The information provided by me/us in this Personal Financial Information will be used as the basis for advice andrecommendations.

• Should I/We choose to assume Accredited Investor Status, I/We understand that that I/We should complete the “Financial Compassfor Accredited Investors”, which is a separate document, to make the relevant declarations and provide supporting documents tosubstantiate my / our declaration.

• I/We understand that my/our FAR-in-charge must have sufficient information before making a suitable recommendation. Anyfinancial products/services purchased without the completion of a Personal Financial Information, or based on partial orinaccurate information, may not be appropriate for me/us.

• I/We understand that it is important that I/we carry out a financial review at least once a year. This is to ensure that anyfinancial products recommended based on my/our updated information will be suitable for my/our needs, and that my/ourfinancial plan will continue to remain relevant to me/us over time.

• I/We acknowledge that my FAR-in-charge has highlighted to me that I/we should carry out a risk profile assessment if I/we havenot done one within the past 1 year before I/we consider investing in any Specified Investment Products.

• Should I/we decide not to complete the risk profile assessment, it is my/our responsibility to ensure that my/our preferred riskprofile is accurate and suitable.

• I/We understand that all official documents and product information are written in English, and that I am / we are encouraged to beaccompanied by an individual proficient in English Language if my preferred language indicated in this document is not English

• I/We acknowledge that I/we have been shown and given a full explanation on the completed Personal Financial Informationand I/we agree that a copy of this completed Financial Compass - Personal Financial Information will be forwarded to me/us ata later date after my/our FAR-in-charge has completed the necessary documentation process.

• I/We understand that should I/we choose to carry out financial planning jointly with another individual, it will be deemed that Iam/we are comfortable to share all my/our personal & financial information with that individual as all relevant financial planningdocuments will be furnished to both of us.

• I/We have read and understood the Consent Relating To Personal Data, and consent to the treatment of my/our personaldata as outlined above.

Information For Client

A pre-transaction call-back will be conducted as an additional safeguard of your interests if your circumstances fall under 2 ormore of the following:

• You are 62 years of age or older; or • You are not proficient in spoken or written English; or • Your academic qualifications are below GCE 'O'-Level, GCE 'N'-Level, or equivalent.

This document is for online trade. No signature is required.

Signature of Client Signature of Joint-Client Signature of Financial ConsultantLUM YIK LONG EDWIN Lam Enliang Joshua

Name of Client Name of Joint-Client Name of Financial ConsultantS8807381I 80759

NRIC / Passport No. NRIC / Passport No. FAR Code15/10/2021 15/10/2021

Date Date Date

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