Common use of Investment Objectives, Focus and Approach Clause in Contracts

Investment Objectives, Focus and Approach. Terms and disclosure (e.g. Fees and charges, Top-ups and withdrawals) indicated in the Policy Terms and Conditions are applicable to all Portfolio funds while the details of each ILP sub-fund as well as the rest of the terms and disclosure (e.g. Risk, investment Objectives) can be found in the Fund Summary and Fund Prospectus. Please refer to the Fund Prospectuses for more information on ILP sub-funds’ investment objectives, focus and approach. Please refer to the Fund Summary for Fund manager / ILP sub-fund Manager details and Portfolio fund investment objectives. Fund manager refers to UOB Asset Management Ltd (Company Registration No.198600120Z) the entity that manages the Portfolio fund. The placement of trades for the Portfolio fund will be executed in Singapore through Citibank Singapore Limited (Company Registration No. 200309485K). The ILP sub-fund Manager shall have the sole discretion determining how the ILP sub-funds is to be invested and the forms of investment. The ILP sub-fund Manager shall have the right to change the investment objectives of the ILP sub-funds from time to time. We will keep You updated on such change(s) as per applicable law and regulations by giving You thirty (30) days written’ notice. We will observe certain duties and obligations (which may require Your co-operation and assistance): • Under the agreements between Us and the ILP sub-fund Managers, and • Under certain statutory and regulatory requirements which may include, but are not limited to notices and guidelines issued from time to time by various associations and authorities. We may therefore require Your co-operation, upon Our request, to perform certain actions, so as to allow Us to carry out these duties and obligations. We shall provide You material information, such as, but not limited to, name changes and valuation errors, in writing as soon as practicable and in accordance with applicable laws and regulations after obtaining such information from the ILP sub-fund Manager. ILP sub-fund Manager refers to the asset management company that manages the respective ILP sub- funds.

Investment Objectives, Focus and Approach. Terms and disclosure (e.g. Fees and charges, Top-ups and withdrawals) indicated in the Policy Terms and Conditions Contract are applicable to all Portfolio funds while the details of each ILP sub-fund as well as the rest of the terms and disclosure (e.g. Risk, investment Objectives) can be found in the Fund Summary and Fund Prospectus. Please refer to the Fund Prospectuses for more information on ILP sub-funds’ investment objectives, focus and approach. Please refer to the Fund Summary for Fund manager / ILP sub-fund Manager details and Portfolio fund investment objectives. Fund manager refers to UOB Asset Management Ltd (Company Registration No.198600120Z) the entity that manages the Portfolio fund. The placement of trades for the Portfolio fund will be executed in Singapore through Citibank Singapore Limited (Company Registration No. 200309485K). The ILP sub-fund Manager shall have the sole discretion determining how the ILP sub-funds is to be invested and the forms of investment. The ILP sub-fund Manager shall have the right to change the investment objectives of the ILP sub-funds from time to time. We will keep You updated on such change(s) as per applicable law and regulations by giving You thirty (30) days written’ notice. We will observe certain duties and obligations (which may require Your co-operation and assistance): • Under the agreements between Us and the ILP sub-fund Managers, and • Under certain statutory and regulatory requirements which may include, but are not limited to notices and guidelines issued from time to time by various associations and authorities. We may therefore require Your co-operation, upon Our request, to perform certain actions, so as to allow Us to carry out these duties and obligations. We shall provide You material information, such as, but not limited to, name changes and valuation errors, in writing as soon as practicable and in accordance with applicable laws and regulations after obtaining such information from the ILP sub-fund Manager. ILP sub-fund Manager refers to the asset management company that manages the respective ILP sub- funds.

Investment Objectives, Focus and Approach. Terms and disclosure (e.g. eg. Fees and charges, Top-ups and withdrawals) indicated in the this Policy Terms and Conditions Contract are applicable to all ILP sub-funds / Portfolio funds Funds while the details of each ILP sub-fund / Portfolio Fund as well as the rest of the terms and disclosure (e.g. eg. Risk, investment Objectives) can be found in the Fund Summary and Fund Prospectus. Please refer to the Fund Prospectuses for more information on the ILP sub-funds’ / Portfolio Fund investment objectives, focus and approach. Please refer to the Fund Summary for the details of the Portfolio Fund manager / ILP sub-fund Manager details manager and the investment objectives of the Portfolio fund investment objectives/ ILP sub-funds. Portfolio Fund manager refers to UOB Asset Management Ltd Etiqa Insurance Pte. Ltd. (Company Registration No.198600120Z) No. 201331905K), the entity that manages the Portfolio fundfunds. The placement of trades for the Portfolio fund funds will be executed in Singapore through Citibank Singapore Limited (Company Registration No. 200309485K). ILP sub-fund Manager refers to the asset management company that manages the respective ILP sub- funds. The ILP sub-fund Manager shall have the sole discretion in determining how the ILP sub-funds is to be invested and the forms of investment. The ILP sub-fund Manager shall have the right to change the investment objectives of the ILP sub-funds from time to time. We will keep You updated on such change(s) as per applicable law and regulations by giving You thirty (30) days written’ notice. We will observe certain duties and obligations (which may require Your co-operation and assistance): • Under the agreements between Us and the ILP sub-fund Managers, and • Under certain statutory and regulatory requirements which may include, but are not limited to notices and guidelines issued from time to time by various associations and authorities. We may therefore require Your co-operation, upon Our request, to perform certain actions, so as to allow Us to carry out these duties and obligations. We shall provide You material information, such as, but not limited to, name changes and valuation errors, in writing as soon as practicable and in accordance with applicable laws and regulations after obtaining such information from the ILP sub-fund Manager. ILP sub-fund Manager refers to the asset management company that manages the respective ILP sub- funds.

Investment Objectives, Focus and Approach. Terms and disclosure (e.g. eg. Fees and charges, Top-ups and withdrawals) indicated in the Policy Terms and Conditions this provisions are applicable to all ILP sub-funds / Portfolio funds Funds while the details of each ILP sub-fund / Portfolio Fund as well as the rest of the terms and disclosure (e.g. eg. Risk, investment Objectives) can be found in the Fund Summary and Fund Prospectus. Please refer to the Fund Prospectuses for more information on the ILP sub-funds’ / Portfolio Fund investment objectives, focus and approach. Please refer to the Fund Summary for the details of the Portfolio Fund manager / ILP sub-fund Manager details manager and the investment objectives of the Portfolio fund investment objectives/ ILP sub-funds. Portfolio Fund manager refers to UOB Asset Management Ltd Etiqa Insurance Pte. Ltd. (Company Registration No.198600120Z) No. 201331905K), the entity that manages the Portfolio fundfunds. The placement of trades for the Portfolio fund funds will be executed in Singapore through Citibank Singapore Limited (Company Registration No. 200309485K). ILP sub-fund Manager refers to the asset management company that manages the respective ILP sub- funds. The ILP sub-fund Manager shall have the sole discretion in determining how the ILP sub-funds is to be invested and the forms of investment. The ILP sub-fund Manager shall have the right to change the investment objectives of the ILP sub-funds from time to time. We will keep You updated on such change(s) as per applicable law and regulations by giving You thirty (30) days written’ notice. We will observe certain duties and obligations (which may require Your co-operation and assistance): • Under the agreements between Us and the ILP sub-fund Managers, and • Under certain statutory and regulatory requirements which may include, but are not limited to notices and guidelines issued from time to time by various associations and authorities. We may therefore require Your co-operation, upon Our request, to perform certain actions, so as to allow Us to carry out these duties and obligations. We shall provide You material information, such as, but not limited to, name changes and valuation errors, in writing as soon as practicable and in accordance with applicable laws and regulations after obtaining such information from the ILP sub-fund Manager. ILP sub-fund Manager refers to the asset management company that manages the respective ILP sub- funds.