單筆供款信託協議 –「明曜」〔“Sparkle”〕

條款及細則

x曜是由 Metis International Limited（“安智國際服務有限公司”）所提供的單筆整付供款投資相連計劃。安智國際服務有限公司乃依照 1984 年xx群島國際信託法，以受託人身份處理及持有相關之投資，因此將是相關投資法律上的擁有者。閣下是本文件所載信託的委託人，閣下或閣下指定的受益人將是有關投資的實益權擁有者。

安智國際服務有限公司註冊xxxxx，xxxxxxx(xxxx)有限公司 (“Metis Global (Cook Islands) Limited”) 的附屬公司，依照 2014 年xx群島信託公司法申請取得信託公司的執照。安智環球服務(xx群島)有限公司是安智環球服務有限公司 (”Metis Global Limited”) 的全資附屬公司。

本條款及細則連同客戶申請資料表和計劃契約及任何將來的補充契約與主信託契約（統稱「本協議」），構成閣下與本公司就本協議擬定之有關交易的完整協議，並替代及終結雙方之前對於相關交易訂立的所有協議。如有任何不一致之處，概以本條款及細則為準。在訂立本協議時，任何一方不得倚賴他方或其代表在本協議簽署前作出的任何聲明、保證、抵押或其他擔保（本協議所列者除外），且雙方放棄其本應可就本條文任何聲明、保證、抵押或其他擔保可能獲得的所有權利及濟助，前提是本條文的任何內容概不得限制或排除欺詐、不誠實或故意隱瞞的法律責任。

本協議並未涵蓋適用於閣下計劃的稅項規則，因此閣下應諮詢自己的財務顧問，獲取獨立稅務意見。安智國際服務有限公司就其絕對決定權保留拒絕受理任何申請的權利。

聯絡詳情

Metis International Limited

安智國際服務有限公司

G/F Bermuda House, Tutakimoa Road, Rarotonga, Cook Islands.電話： (682) 25562

電郵： xxxxxxx.xx@XxxxxXX.xxx

網站： xxx.XxxxxXX.xxx

在本計劃條款及細則中：

1. 定義及釋義

1.1 除另有說明外，計劃所用詞語及詞句具有以下涵義：

xx或本公司係指安智國際服務有限公司（“Metis International Limited”）；且本公司的及我們亦相應解釋。

閣下指計劃持有人，且閣下的亦相應解釋。

賬戶價值／投資價值／計劃價值指計劃賬戶中所有代表各資產選擇的名義單位總數乘以其適用的賣價後所得之金額。

賬戶單位指供款所買入的所有基金單位。

信託法係指1984 年國際信託法及其修正條文，連同其提及的條文，包括日後合併或再施行的信託法。

額外供款指閣下以臨時性的基礎所支付的單一款項，並載明於本公司所發出的補充契約上，不包括最初供款。

行政費指根據第 6.2 條款賦予的涵義。

本協議係指有關條款和細則、客戶申請資料表、主信託與所附的計劃契約書，以及任何日後的補充契約

客戶申請資料表係指閣下所填寫有關本計劃的客戶申請資料表。

資產指基礎基金或基礎產品或基礎商品或其他投資

資產選擇指基金選擇或產品選擇或商品選擇

臨時受益人係指每位計劃持有人，且在本協議第 10 條款所述情況下，受益人包括臨時受益人，但除外受益人不得為受益人。

賣價當客戶要賣出資產單位時，資產管理公司於買回相關單位時所用的價格。故對資產持有者而言為賣價，而對資產管理公司而言則是買入價。在本條款與細則中將以「賣價」稱之。此通常用於計算資產轉出、贖回或註銷單位以支付相關計劃費用。

資產關閉通知指第7.7(b)條款所賦予的涵義。

商品／基礎商品商品/基礎商品指商品或以期貨交易之商品，包括但不限於以實體或期貨交易之黃金、白銀或任何其他貴金屬。每項由閣下所選擇的商品期貨皆有相對應的基礎商品。xx將買入或賣出閣下所選擇之相對應的基礎商品單位數。安智會定期審視置於平台上的商品選擇。

商品選擇指閣下選擇的商品

供款指根據並因應計劃而xxx支付的一筆款項，包括首最初供款及額外供款。

供款貨幣指根據計劃須用以作出供款的貨幣，且未經本公司書面許可，在計劃開始日期後，不得轉為其他貨幣。

解約指根據第3.5條款賦予的涵義。

解約價值指所有賬戶單位在下一個估值日的賣出價值，但須受第

3.5條條文規範。

補充契約指xx為記錄及確認計劃契約內容的修訂而發出之書面文件。

脅迫事件係指：

(a) 收到依準據法司法管轄區以外之任何司法管轄區的法院行政庭、類政府機關或半政府機構的公文或嘗試送達的公文，載明有關當事人透過下列形式，為自己或他人尋求救濟：

(i) 對計劃資產所持有的財產，提出不利安智（或任何繼任受託人）的求償；

(ii) 請求對安智（或任何繼任受託人）或計劃資產的財產託管人發出抵觸本協議規定的命令或指示，包括本協議中允許安智行使任何決定權的規定；或

(iii) 任何請求提供計劃資產所持有財產的來源、接收、管理、行政、投資、分配或產權設定的有關資訊，俾對計劃資產的財產進行求償或提出接管或其他類似安排的主張，即以任何方式嚴重不利安智依照本協議行使管理、行政、投資和分配的權力；

(b) 強制更換安智或限制安智的權力，而不依照本協議有關規定；

(d) 威脅或強迫受託人以不符合本協議規定的方式出售、轉讓或處置計劃所持有的資產。

危機事件係指下列威脅或實際發生的事件：

(a) 戰爭、侵略、軍事佔領或革命；

(b) 任何的政府機關在有償或無償下，沒收、國有化或徵用計劃的資產，或強制將計劃資產轉換為其司法管轄區的貨幣；

(d) 強制清算或解散安智；

(e) 計劃所握有的資產貨幣貶值或不可兌換；

(f) xx認為該司法管轄區政府，嚴重威脅到轄區公民擁有權或自由移轉私有財產的權利。

除外受益人係指下列除外者（應採用最廣義的形式解讀）：

(a) 任何的法院、行政機關、司法機關，或法庭，包括任何的政府機關、半政府機關或法庭；

(b) 任何債權人或索賠人，包括任何法院判決為xx、任何計劃持有人或受益人的債權人；

(d) 按照信託法第22節，目前設籍或日後設籍於xx群島，或平常居住在庫克群島之計劃持有人，在其設籍或居住期間，構成除外受益人。

退出費用指第 6.3 條款所賦予的涵義。

海外賬戶稅收遵從法 (“FATCA”) 意指；

(a) 海外賬戶稅收遵從法是由美國內地稅務局頒布，收錄在美國內地稅法第4章第1471-1474條款裡，此法案會不定時被修訂或增補。

(b) 任何條約、法律、法規或任何其他司法管轄區頒布的其他正式指引或美國和其他司法管轄區跨政府間的協議，其（任何一種情況）可促進上文(a)項的執行;

FATCA 預扣所得稅意指，依據海外賬戶稅收遵從法之「協議」規定下，一個支付款項的扣除額或預扣額。

FATCA 可扣繳款項各種由美國來源的所得，包括支付的利息（包含原始發行折扣）、股利以及固定或可確定的年度或定期收益、利潤和收入，還有任何可從美國境內產生利息或股利的財產交易所得。 FATCA 也會要求預扣將於 2016 年 12 月 31 日後支付的銷售款項。某些源自美國與借貸交易有關的財務支付、投資顧問費、保管費、銀行或經紀費用也包括在內。

基金／基礎基金指基金經理操作的投資基金，閣下基金選擇中的各項基金均有相應的基礎基金。安智將購買或出售閣下基金選擇中相應基礎基金單位。xx將在平台中定期審核基金選擇。

基金選擇閣下的各項基金選擇均有相應的基礎基金。在本公司的環球資產選擇簡介中可找到所有相應基礎基金的名單。

暫存賬戶是一個無息現金賬戶，當進行供款分配或資產轉換的過程中，在等待下一個估值日到來的期間，將以相關資產選擇中相應的基礎資產之貨幣計值暫時顯示於本賬戶。

最初供款閣下為啟動計劃而將予支付的最低金額。

忠誠獎賞指根據第4.1條款可分配到計劃賬戶的獎賞。

主信託契約主信託契約（如有）與參考客戶申請資料表。

最高部份提款額允許每筆提款，在計劃扣除相關提款後的價值須符合最低計劃價值。

最低計劃價值如要持續持有計劃，則計劃最低應維持價值（如下表所示）且每計劃年度應維持價值不同：

計劃年度	最低計劃價值
第一年度	50%的首次供款與額外增加供款
第二年度	40%的首次供款與額外增加供款
第三年度	30%的首次供款與額外增加供款
第四年度	20%的首次供款與額外增加供款
第五年度	10%的首次供款與額外增加供款

最低供款指分配給一項資產選擇的最低供款金額。

名義單位指在名義上須購買的基礎資產中的單位，無須考慮為支付第6條款施加的收費而扣取的單位。名義單位價格的設定與基礎資產的單位價格相同。名義單位僅用於計算閣下計劃的價值。

買價當客戶要買入資產單位時，資產管理公司賣出相關單位時所用的價格。故對資產持有者而言為買價，而對資產管理公司而言則為賣出價。在本條款與細則中將以「買價」稱之。當安智購買閣下資產選擇相應的基礎資產單位時，即以該價格投資或轉入基礎資產。

計劃指其條款及細則載於本協議由xx提供的一項名為「明曜」的單一供款投資相連計劃。

計劃賬戶指閣下持有的計劃賬戶內所持有的單位數。

計劃週年日指每年與計劃開始日期月份及日子相同的日期。

計劃開始日期指計劃契約上所標示的計劃開始日期。

計劃資產係指xx依照本協議，在信託基礎下，所持有之所有計劃賬戶單位與其他權益。

計劃到期日即計劃契約中所列作計劃到期的日期，就解約或提款而言，毋須退出費用。

計劃月份與計劃開始日期相同的每月該日。

計劃持有人指計劃契約中指明的計劃申請人(們)或其繼承人或其受讓人。

計劃契約計劃開始日期發行的文件或相關最新修訂版本及任何補充契約，其中列明了閣下計劃的具體詳情。

組合管理經理人受閣下委任，由其決定計劃的投資組合、供款分配及基金或投資轉換。

產品選擇閣下對基礎產品的選擇

信託保護者係指註冊於xx群島的安智環球服務(xx群島)有限公司，與依照本協議第 3.7 條款指定的繼任信託保護者。

註冊辦事處 x智在相關時間位於xx群島的註冊辦事處。

註冊費係指依照第 6.4 條款所列應給付的註冊費。

定期提款指應閣下的要求，透過填寫本公司提供的相關表格，且經由本公司同意下，定期持續性的提取固定款額。

臨時受益人指計劃持有人依本協議第 10 條款指定的臨時受益人。

結構性產品包括：

(a) 一種工具，在此工具下全部或部份的回報或到期金額（或回報與到期金額兩者）或一種結算方式，其決定來自一個或多個的： (i)價格、價值或任何類別等級（或在一個價格、價值或等級範圍）

或各類型證券、產品、指數、地產、利率、匯率或期貨合約組

合的改變;

(ii)價格、價值或任何超過一種類型的任何一籃子等級（或在一個價格、價值或等級範圍）或各類型證券、產品、指數、地產、利率、匯率或期貨合約組合的改變；或

(iii)任何特定事件或事件（不包括單一事件、或相關事件僅與產品發行商或擔保人或兩者皆有關）的發生或不發生;

(b) 一份協議的目的或作用，或佯稱目的或作用，不論其為附有條件或無條件的去提供協議裏任何一方的利潤、收入或其他回報，此回報是參照任何財產價值的變化計算而來；和

信託係指依本協議產生的信託。

受託人係指xx或任何由信託保護者指定的繼任受託人。

基礎資產基礎資產指基礎基金或基礎產品或基礎商品或其他基礎資產

基礎產品基礎產品指結構性產品，每項閣下所選擇的產品皆有相對應的基礎產品。xx將買入或賣出閣下所選擇之相對應的基礎產品單位數。安智會定期審視置於平台上的產品選擇。

單位指基金或結構性產品或商品被分配的份額。

單位價格就基金或結構性產品或商品而言，其每單位的價格。

估值貨幣指就計劃的估值而言，閣下在申請表中指明的貨幣。

估值日就資產而言，指香港營業日的日期及（如有關）基礎資產營業日。

提款指從計劃中提取款項，這將減少計劃價值。

1.2 在該等條款及細則中，除非另有明確表示，否則單數包括複數，而陽性則包括陰性及中性，反之亦然。

1.3 條款及細則中使用詞語「包括」的地方被視為有詞語「不限於」跟隨其後，條款及細則中使用詞語「其他」及「其他方面」的地方乃說明性詞語，不得限制該詞語之前的詞語含義。

1.4 在本條款及細則內，所提及條款或分條款，即指本條款及細則內的條款及或分條款，而在本條款及細則內所提及的附件，則指本條款及細則的附件。

2. 一般條款

2.1 一般條款

x計劃的名稱為「明曜」，為閣下提供多種投資工具的途徑。

2.2 冷靜期

(a) 閣下可在計劃契約發行後 30 天之冷靜期內取消本計劃。如果閣下希望取消本計劃，閣下的取消申請（「申請」）必須為書面形式，並經過閣下簽署後，送往本公司註冊辦事處直接由本公司接收。

(b) 在收到閣下的申請後，本公司將在 45 個曆日內退還本公司收到的供款，但不計利息。本公司將從中扣除一部份金額用於支付因申請或變現計劃中的資產而引起、或與之相關的任何差額、損失、收費及成本。

2.3 貨幣

(a) 供款須以供款貨幣作出。閣下供款分配所選擇的資產其使用的貨幣可能不同於供款貨幣。當購買或出售與閣下資產選擇相應的基礎資產中的單位時，交易將依本公司處理付款當日，按資產選擇貨幣及供款貨幣（經本公司合理判斷決定）的當時匯率進行。

(b) 閣下必須在申請書中指明供款貨幣及估值貨幣。如未指明估值貨幣，則將使用供款貨幣作為默認之估值貨幣。計劃的估值貨幣可為以下 6 種貨幣中的其中一種：美元（USD）、歐元（EUR）、澳元（AUD）、人民幣（CNY）、港元（HKD）或日圓（JPY）。本公司可使用絕對決定權，接受其他估值貨幣。

(c) 就估值而言，閣下計劃中名義單位的價值將在估值報表中合併計算，並按基礎資產貨幣及估值貨幣分別估值。估值貨幣將在年度報表中述明並採用，報表將發送至閣下，為閣下提供本計劃投資狀況的最新資訊。如果在年度報表發送至閣下後一個月內，本公司未收到閣下任何異議表示，則閣下將被視為接受該年度報表及年度報表中的所有內容。

(d) 凡解約或提款一律以美元計算。然而事先經由書面申請，本公司可按當時匯率（由本公司合理酌情決定）使用不同的貨幣支付。

(e) 通常，與計劃相關的任何文件中引用的所有供款數額均以美元為代表。若要將該數額轉換為其他貨幣，應使用以下兌換率：

貨幣	美元	歐元	澳元	人民幣	港元	日圓
美元	1	1	1	7	8	110

如果自[2016年9月1日]起，以上任何貨幣的市場匯率變動超過 20%，則本公司可透過向閣下發出不少於三個月書面通知的情況下，修改一或多項兌換率以反映當時通行的市場匯率。

(f) 就計劃而言，本公司有權在只要兌換乃為適宜或有需要的情況下兌換該等金額。當有任何貨幣兌換時，本公司可在任何與外匯管制或任何其他限制相關的適用法律的規範下，按上文第 2.3(e)條款中規定的比率或當時匯率(經本公司合理判斷決定)進行貨幣兌換。

2.4 通訊

計劃持有人的地址、居住國、國籍或戶籍有任何的更改，必須盡快以書面通知該項變更。

(a) 凡本協議下擬發出的通知將以郵遞寄往閣下告知本公司的最新通訊地址，或以電郵發送至閣下的電郵地址，且在郵寄或電郵發出後 48 小時內被視為閣下已收到該通知。

(b) 凡發送至本公司的任何申請或通知，僅在該等申請或通知的原件發送至本公司的註冊辦事處時，方被視為已由本公司接收，但本公司可就傳真、電郵或其他電子方式接收的任何申請或通知酌

情行事。在按照申請或通知行事之前，本公司保留向閣下索取額

外資訊或文件（將由閣下提交）的權利。

2.5 終止

在第 3.6 條款的規範下，計劃將在最早出現以下情況時自動終止：

(a) 如計劃價值低於最低計劃價值；

(i) 因任何提款或定期提款所致，或

(ii) 於任何時候因扣除費用或因閣下資產選擇相應的基礎資產價值下跌；或

(b) 計劃被取消；或

(d) 安智在計劃到期日後收到閣下提取計劃全部款項的書面指示。

即使本協議有任何其他條文，如本公司認為任何監管或稅務責任之施加使本計劃另外受到制約，則本公司可隨時終止計劃。

上文(a)、(b)及(c)中的情況均須繳納第6.3 條中所載的適用退出費用。終止後，閣下將有權獲得來自出售賬戶單位的變現價值（扣除任何適用的費用及收費後）。

2.6 數位調整

x公司保留在任何計算中將任何數字小數位調整的權利。此類計算將包括但不限於費用的決定、單位價格，以及開立、贖回及／或單位分配的計算。基於本公司的當前慣例（亦即依基礎資產的規則），數位調整將產生以下結果：

(a) 按最接近的小數位後二個位､三個位或四個位，分配及取消資產的名義單位；及

(b) 按最接近的小數位後二個位､三個位或四個位，計算閣下計劃的價值及閣下計劃的費用。

凡資產的賣價或買價將不會以四捨五入進行調整。儘管有前述規定，

但本公司保留權利在不少於一個月前發出書面通知，或在給予符合相關監管要求的其他通知期，調整各計算中的小數位數字或調整方法。

2.7 組合管理經理人

(a) 經本公司同意，閣下可就投資轉換決策或更改供款分配或閣下計劃的其他方面，委任一名組合管理經理人代閣下行事，但閣下須首先明確理解閣下必須就組合管理經理人的作為或不作為承擔全部責任。本公司對閣下委任組合管理經理人的同意並不構成對該組合管理經理人的推薦或任何代表。組合管理經理人是計劃持有人而非安智的代理人。

(b) 就任何對組合管理經理人的委任或終止委任而言，閣下必須使用本公司同意的適當表格，並符合屆時生效的所有指明要求。

(c) 本公司在任何時候皆保留終止或拒絕閣下提出委任的權利。xx將不會就該委任組合管理經理人、或安智接受組合管理經理人的任何請求或指示或據以行事而產生的任何損失承擔法律責任。本公司將不會對該委任組合管理經理人、或與委任組合管理經理人相關而招致的任何實際或預期損失負責。

2.8 情況改變

如果發生以下情況，本公司有權在給予提前一個月書面通知的情況下隨時更改或修改本協議：

(a) 出現影響計劃的法律變動；

(b) 出現影響計劃的稅務處理變動；

(d) 為符合計劃持有人的利益而進行的更改或修訂，或釐清本協議的含糊之處或本協議的解讀，此類事宜由安智單方面決定。

本公司保留不時以合理額度修改收費水平、最低供款、各基礎資產的最低價值、最低計劃價值及本協議中提及的任何金額的權利，以反映通貨膨脹及營運成本。

2.9 稅務

x公司將不會就因本計劃而引起或與本計劃相關的任何稅務責任或問題承擔責任。建議閣下向專業稅務顧問尋求有關本計劃的獨立稅務建議。

2.10 法律及司法管轄區

(a) 本計劃條款和細則的制定乃受xx群島的法律管轄，依xx群島的法律釋義，特別是信託法。xx群島的法院擁有專屬管轄權，可裁定因有關條款和細則所引起之爭議或求償的解決方式。

(b) xx（或任何繼任受託人）得在取得信託保護者的同意，但如脅迫或危害事件發生，則無需取得信託保護者的同意。經決議為保護計劃或計劃資產的利益與安全性，而指示將計劃資產的全部或部份資產從一個司法管轄區移到其他一個或多個司法管轄區，並將計劃的行政管理地改至其他一個或多個司法管轄區。

(c) xx（或任何繼任受託人）得在取得信託保護者的同意，但如脅迫或危害事件發生，則無需取得信託保護者的同意。無論何時，為求保護計劃資產的利益與安全性，可經由決議宣佈，自決議日起，根據信託法第13G(4)節，計劃依照其他一個或多個司法管轄區的部份或全部法律生效，且該轄區或這些轄區的法律成為計劃的準據法或計劃所產生之信託的準據法。

(d) 本計劃的準據法如從一個司法管轄區變為另一個司法管轄區，安智可以：

(i) 更改計劃的到期日，以免違反該另一個司法管轄區的法律；和

(ii) 為使本計劃依變更後的準據法有效執行，安智在認為必要或需要時應適宜的修改計劃條款。

2.11 可分割性

儘管本協議中任何條款的全部或任何部份可能被認為屬不合法規或不可強制執行，但其他條款及相關條款剩餘部份將仍然具十足效力及作用。

2.12 資料保護

x智尊重資料保護，並將努力對計劃持有人xxx提供的任何資料進行保密。然而，閣下同意安智可就計劃或本協議與任何xx認為適合的公司及人士共享資料，或按要求向其監管機構、法院或法律規定的任何其他人士提供資料。此外，安智可能還會因上述任何目的（包括資料處理及儲存）將閣下的個人資料轉移至任何地方。

2.13 不一致

如果本協議的英文、中文或其他語言版本之間有任何不一致之處，概以英文版本為準。

3. 擁有權條款

3.1 計劃擁有權

(a) 計劃持有人應為本計劃的實益權擁有人，並有權行使本協議賦予給計劃持有人的各項權利。我們依照有關條款及細則及主信託，在信託的基礎下，代表計劃持有人持有計劃資產；在冷靜期屆滿後，依此所產生的信託不得撤銷。

(b) 閣下可更改本計劃的持有人，該更改通知僅在本公司於計劃持有人於計劃有效的生存期間，經本公司簽署並註明更改日期後方為有效。在簽署並註明更改日期前，本公司將不會就本公司已作出的任何付款或採取的其他行動負責。

(d) 依據本協議，身為受託人的安智具有其可行使的各項權力、授權及決定權，視同其為計劃資產的絕對及實益權擁有人，並具有實現本計劃目的或執行及遵守協議的義務與責任所必要的各項權力、授權及決定權。

(e) xx可以依照條款委聘一位或多位託管人來保管計劃資產（或計劃資產的任何部份），但xx不因為委聘託管人而免除其在本協議或法律下的義務。xx須致使託管人遵守xx的在本協議中的允諾及義務。付給託管人的費用應符合公平允正原則。

(f) xxx在任何時間或期間，以任何方式及條款，在服從信託法第19B節的限制下，將其在本協議或法律下的信託、權力、職責、職務及決定權授權給任何人，包括但不限於，投資經理、代理人、託管顧問或其他專業或適當技能的人。給付予這些人的費用應符合公平允正原則。

3.2 如計劃持有人不止一人（聯名計劃持有人）

(a) 如計劃持有人不止一人，則本協議下所有計劃持有人的權利及義務須為共同連帶的權利及義務。

(b) 如計劃持有人不止一人，依本公司被賦予的絕對決定權將任何一名計劃持有人視作獲授權向我們發出本協議下的指示及通知，並代表所有計劃持有人接受通知、接收付款及享受本協議下的利益；且本公司依絕對決定權決定，接受其中任何一名計劃持有人指示，而不論該指示與任何其他計劃持有人的指示有任何不一致之處。本公司將不會就遵守任何一名計劃持有人的指示或其他方面承擔任何法律責任。本公司無須向所有計劃持有人，確認任何一名計劃持有人提供給本公司的任何指示的合法性，或任一名計劃持有人代表所有計劃持有人行事的權限。

3.3 轉讓

閣下享有可向其他人士轉讓本計劃的權利。如果閣下希望轉讓本計劃的權利予他人，閣下必須透過提交一份已填妥的表格（可向本公司索取），並確保本公司收到閣下意圖如此行事的正式通知。該表格必須寄送至本公司，且該更改僅限於現有所有計劃持有人於計劃有效的生存期間，經本公司簽署並註明更改日期後方為有效。本公司將不會就因本協議下的任何轉移或指派、或閣下未能根據本條款通知我們而引起或與之相關的任何後果、債務或損失承擔責任。

3.4 提款

閣下可根據以下條款從計劃中作出提款或定期提款：

(a) 於計劃有效且毋須就提款支付退出費用時，可隨時提款，前提是每筆提款金額不得少於下表所列每筆提款的最低提款金額，而提款後，計劃價值不得少於當時保持計劃有效的最低計劃價值。

如閣下欲提取的金額大於最高部份提款額，這將被視作第3.5條款下的解約行為，因此將涉及退出費用。

表3.4：每筆款項的最低提款額

計劃貨幣

美元／歐元／澳元

人民幣

港元

日圓

每筆提款的最低提款額

5,000

35,000

40,000

550,000

(b) 任何提款或定期提款的生效日期將為緊隨本公司收到閣下要求該提款或定期提款的書面指示日期後的估值日。本公司在收到書面指示後，依有關資產賣價計算，扣取與提款金額價值相等的單位數。

(i) 指定將予出售的資產以及單位數目；或

(ii) 閣下希望提取的金額；除非另有列明，否則提款將從計劃賬戶中持有的所有資產中依相等比例扣取，或以本公司認為合適的方式扣除。由於資產價格隨市場波動，即使已有列明，提款金額也可能出現差異。

(d) 定期提款可設定每年、每半年、每季或每月予以支付。定期提款通常將於本公司收到閣下書面要求的一個月後開始。如於選定日期作出定期提款後，計劃價值少於最低計劃價值，則提款不會進行，定期提款亦將停止。

(e) 本公司將扣除閣下結欠本公司的所有費用，並於估值日後的60個曆日內以美元支付任何提款或定期提款減去第6.3條款所載退出費用（如適用）之金額。

(f) 作為計劃持有人，閣下必須承擔付款成本。提款或定期提款生效日期至付款日期期間無須支付利息。

3.5 解約

在以下條款規範下，閣下可隨時終止及解除計劃並獲取解約價值：

(a) 如於計劃開始日期或額外供款的增供開始日期後的60個月內解除計劃，則任何到期應付的退出費用及任何尚未收取之計劃收費

（第6條款施加的規定）均將從計劃價值中扣除。

(b) 在本公司收到適當書面指示及表明閣下乃合法享有收取計劃款項的人士之證據後，就相應的基礎資產而言，將使用賣價兌現所有賬戶單位。

(d) 本公司會在估值日之後60個曆日內，透過電子轉賬按美元或依據閣下要求的貨幣支付解約價值或提款金額（依本公司絕對決定權），前提是本公司已收到相關基礎資產經理、發行商或交易商結算手續及贖回款已完成的通知。

(e) 在例外情況下，例如股票市場發生極端事件而關閉或為保護其他計劃持有人的利益，安智可能延遲付款。如果發生此情況，本公司會竭盡所能將延遲減少到最低程度，並隨時通知閣下可能延遲的時間。

(f) 作為計劃持有人，閣下必須負責匯款等付款成本。任何類型的提領價值均無須支付利息。

3.6 計劃到期

於計劃到期日之後，閣下有下列選擇：

(a) 繼續持有該計劃：

(i) 只要計劃價值超過最低計劃價值，計劃將持續有效，否則將自動終止，並向閣下支付解約價值，且不允許恢復計劃。

(ii) 所有退出費用均被豁免，但第6.2條款載列的行政費及第6.4條款的註冊費將繼續適用。閣下可隨時提款或解除計劃；。 (iii)閣下可增加額外供款至計劃內，但涉及第6條款所列費用仍應

支付。

(b) 解約

閣下可選擇解除計劃，收取解約價值。如果本公司收到閣下的書面通知，本公司會在扣除計劃所適用尚未支付本公司的費用後，於下一個估值日透過出售計劃賬戶中的所有單位，向閣下支付計劃的解約價值。

請參見第「3.4條款提款」。

3.7 信託保護者

(a) 信託保護者應基於信託法第 20 節之目的，擔任本計劃的信託保護者，具有本協議所載權責。

(b) 信託保護者有權任命繼任信託保護者，並記錄在永久附加在本協議的備忘錄。

(d) 本協議如規定每次特別事由需要取得信託保護者的同意，則應每次取得信託保護者的事先書面同意，除非信託保護者已明確給予適用於未來每次行事的同意書。

(e) 與受託人往來處理公事之人無需考量信託保護者是否已同意，亦不在事後受到信託保護者未同意之事實的影響。

(f) 儘管有前述規定，然信託保護者有權追認受託人先前的行為或不行為，在此情況下，視信託保護者在該行為或不行為發生當天同意。

(g) 本協議中的任何條款，如未明訂必須取得信託保護者的同意，則不需取得此類同意。

3.8 受託人的解任和任命

(a) 信託保護者得不時經由書面通知後，解除任何受託人職位。受託人得經書面通知信託保護者後，辭去受託人一職。

(b) 信託保護者得不時經書面通知後，指定任何人或多人擔任受託人、繼任受託人、單一附加受託人或多位附加受託人。

(d) 受託人辭任或被解任後，該受託人的權力在計劃資產移交給新受託人的必要範圍內，由該受託人繼續保有及行使。依照本協議第

3.10 條款，卸任的受託人立即喪失其對計劃資產的所有權，而由留任或新任受託人自動取得，且留任或新任受託人將自動獲得卸任受託人不可撤銷的授權，而得將有關財產從卸任受託人移轉至留任或新任受託人。

(e) 受託人如在其不知已遭解任下善意行事，可以受託人身份獲得賠償，儘管其已被解任。而與受託人善意往來進行事務處理之第三方，無需如前述查詢該受託人是否已收到解任通知。

(f) 儘管有第 3.8(d)條款的規定，但根據第 3.10 條款，受託人(如多於一位，則為每位)於其辭任或解任時，具有不可撤銷的義務，受託人應簽署任何執行業務所需文件的授權書予信託保護者，以將屬於計劃的資產所有權移轉至新任受託人。在遵循第 3.10 條款下，信託保護者得無需事先通知受託人即可行使該項權力。

(g) 受託人如發生異動，應在本協議增列附錄，或在本協議書永久附加一份附件，記錄當時的受託人名稱。附錄應有被記載的受託人簽名。處理計劃資產或本協議有關事宜者，將視該附錄為有效證明，據此認定附錄所載之受託人為當時合法受託人。如有多份附錄，處理計劃資產或本協議有關事宜者，有權依發生時間最近的附錄為主。

(h) 如發生危機事件或脅迫事件，信託保護者有權解任受託人，且遭解任的受託人不再具有權力、職權、利益或決定權。受託人按本條款被解任後，對屬於計劃資產的任何資產即刻不再具有所有權，由信託保護者依照第 3.8(a)條款任命的新受託人取得資產的所有權。信託保護者不論是否因危機事件或脅迫事件發生而決定行使 x權利，其決定乃為最終決定並對本信託的受益人具有約束力。

3.9 受託人的責任

(a) 儘管有信託法第 19A 節的規定，但除非受託人因詐欺或蓄意背信，否則無需對計劃資產或其收益因為任何原因所遭受的損失負責或承擔責任；特別的是，在不限制本條款的一般性原則下：

(i) 受託人無需對其因善意委任或指定的任何律師、法律代理人、代理人、銀行員、會計師、核數師、股票經紀人、投資顧問、顧問或其他代理人的任何行為或不行為（無論是否蓄意詐欺、背信、疏失、違反信託或其他等）所導致的損失負責或承擔責任，無論此類人士是否事後發現不適合或無法勝任指派的工作；

(ii) 如有多位受託人，任何一位共同受託人無需對其他共同受託人的行為或不行為（無論是否蓄意詐欺、背信、疏失、違反信託或其他等）所導致的損失負責或承擔責任；

(iii)繼任受託人或增補受託人無需為前任受託人的行為或過失承擔責任，包括其在成為受託人前，因前任受託人在計劃資產行政管理上的行事或不行事所導致的損失或費用；且繼任或附加受託人無需調查或注意有關計劃資產過去的行政管理事宜；

(iv)受託人所作的行為或不行為如經信託保護者同意，或依據該信託指定的任何顧問的意見或經其同意，則受託人無需對此類行為或不行為承擔責任。

(b) 受託人無需調查任何受益人的謀生方法或需求，無論受益人是否未成年、罹患身心障礙或其他情形。受託人如獲悉此類特殊情況，受託人在決定行使或不行使本信託下的權利時，無需考慮此類特殊情況；

(d) 受託人如持有任何公司（在本條款內，包括任何類型的企業或合夥企業，以及任何公司、有限責任公司、信託公司、協會、有限合夥或其他註冊或未註冊的法人或實體）的股份、票據、股票或債券，不論適用於法律的任何職位，受託人必須視自己無權調查或干預此類公司的事務，且沒有義務擔任此類公司的董事或職務負責人，亦無責任查詢此類公司有關事務的資訊（無論此類公司的業務性質為何，即使是投機性質），除非受託人獲悉該公司的經營發生背信或經營者失去心智能力，在此情況下，受託人有權對該公司事務進行了解，直到確認該公司是由完全具有行為能力者依誠信專業在經營。

3.10 賠償

(a) 受託人和卸任之受託人得獲得計劃資產的賠償（且此類賠償，有權對計劃資產行使留置權），但前述第 3.9 條款中受託人或卸任受託人不受到保護的情況不在賠償之列。特別的是，受託人對於其行使或意圖行使受託人責任與權力所發生的成本與費用，可獲得補償，包括但不限於：

(i) 受託人在計劃資產有關民刑事訴訟的捍衛或提告上，所發生的成本費用，以及應給付的報酬、專業費用或擔任受託人的收費，包括他人控告受託人所提起的訴訟，或他人所提起的信託違背訴訟（但受託人有詐欺或蓄意背信之實者，應予除外而不在賠償之列）；

(ii) 與計劃資產或其任何部份有關的索賠、損失、死亡責任、課稅或其他課徵；

(iii) 計劃資產的建立與管理，接受計劃資產受託人一職，或接受資產成為計劃資產的一部份所產生的損失或責任，包括但不限於，所有成本與費用的補償，以及議定的受託人出席費；或

(iv) 受託人代表計劃資產或基於計劃資產的利益而行事所發生的損失或責任。

(b) 離任受託人在其辭任或解任時，有權要求留任或新任受託人以離任受託人所要求或任何或所有受益人表示滿意的形式獲得賠償，並擔保支付受託人應繳納之稅款或類似費用，以及所有應付給離任受託人的各項報酬與費用，包括解除離任受託人一職有關的費用。

(d) 如發現應納入計劃的資產未妥善移轉到計劃內，或在妥善移轉後，該移轉於日後遭到規避，但受託人已行使本信託契約所載權力而使受益人享有該財產的利益，在此情形下，受託人或前任受託人可要求有關受益人依據第 3.10(a)條款，就其所收到的額外利益進行補償外，亦可要求以其他補償條件來取代。

3.11 移轉

(a) 計劃持有人辭世時，如逝者為聯名計劃持有人之一，則生存之計劃持有人(們)或已逝之單一計劃持有人的遺產執行人或管理人，將為xx承認在本協議中唯一具有實益權或利益者。

(b) 依據本協議有權繼承逝者之計劃實益權者，在出示xx認為 (依其完全決定權) 足以證明其擁有繼承權之有關證據後，得登記為計劃持有人。

4. 利益條款

4.1 忠誠獎賞

根據本條款，可向賬戶平均價值等於或多於100,000美元的計劃發放於計劃契約中所載獎賞（「忠誠獎賞」）。

於忠誠獎賞發放到閣下的計劃之前，如閣下的計劃被取消或終止，則忠誠獎賞將不予發放。已經發放的獎賞也不會因閣下計劃的取消或終止而被扣回。

5. 供款條款

5.1 最低供款金額

首次供款在一開始即須支付。額外供款可於計劃期間的任何時間申請。

首次供款及額外供款的最低金額，如表 5.1 所示，供款不設最高金額限制，但本公司保留規定上限的權利。所有付款均須匯入本公司在託管銀行開設的賬戶。本公司保留不時更改最低供款金額的權利，以反映通脹及營運成本。

表 5.1：首次供款及額外供款的最低金額

貨幣	美元／歐元／澳元	人民幣	港元	日元
首次供款金額	40,000	280,000	320,000	4,400,000
額外供款金額	5,000	35,000	40,000	550,000

5.2 對閣下計劃所作的分配

(a) 首次供款及額外供款（如有）將 100%用於按照閣下的資產選擇分配指示依下述狀況較晚之日期的下一估值日進行單位分配：

(i) 本公司的銀行確認已收迄閣下的供款之日；或

(ii) 本公司內部完成處理閣下申請之日。

倘若本公司無法立即投資於基礎資產，相關部份供款金額將先放在暫存賬戶中，直至下一估值日為止。

(b) 供款分配到任何資產的選擇均受限當時要求個別資產有效最低供款分配及本公司管理規則。目前最低分配金額如下表所示：

表 5.2：各基礎資產的最低分配金額

貨幣	美元／歐元／澳元	人民幣	港元	日元
金額	1,000	7,000	8,000	110,000

(d) 有關商品選擇的資產配置部份，會涉及有最低資產配置金額的要求，且不時調整。

5.3 付款方式

根據供款貨幣，付款方式由本公司在處理時進行確定，並載列於本公司提供給閣下的申請文件。閣下必須承擔付款成本。

6. 費用條款

x公司提供及管理計劃應獲得相關費用。該等費用透過扣取已分配的單位予以支付，其價值等於根據本計劃要求支付的費用。將依所分配單位的賣出總價值，按比例從閣下所選取之資產選擇的基礎資產中扣取單位。

6.1 設立費

(a) 當前的設立費為每季度收取每次供款金額的 0.5%，僅於每次供款開始日期起首五年收取，即分別就各首次供款及額外供款收取二十次的設立費。該等費用須透過按每季度扣取等值單位收取。此費用依每次供款的首初買價所得單位來計算及收取。將依所選擇的資產價值按比例扣取資產單位。

(b) 不論先前已作出任何提款或定期提款的支付，設立費將自每次供款金額所購買的單位，每季初依計劃所選擇資產按比例扣取設立費的單位。如有任何未完成交易，將在交易完成後收取。

6.2 行政費

(a) 當前行政費乃依扣取費用當時的計劃價值計算，每月收取，直至計劃終止。該費用透過扣取分配至計劃賬戶中的單位予以支付。請參考計劃契約，了解行政費詳情。

(b) 當計劃被取消或終止時，本公司會自上一計劃月份開始按天為基礎依比例計算尚未收取之行政費。

6.3 提早退出費

(a) 退出費用適用於首次供款及每筆額外供款，自個別供款之計劃開始日期起首五年內，若將計劃解約或提款，或在計劃價值於任何時候少於最低計劃價值時收取。退出費用視閣下何時自計劃賬戶中提款，費用會有差異。

(b) 退出費用根據下表而定，自每筆供款的計劃開始日期起 60 個月屆滿後，無須支付退出費用。

(d) 退出費計算基礎視每筆供款金額或經由每筆供款所購買單位之現有計劃價值，以較高者為計算基準。

(e) 退出費將透過扣取已分配到計劃賬戶中的單位來支付。

表 6.3：退出費用比率

每筆供款持有期	退出費率 %	每筆供款持有期	退出費率 %	每筆供款持有期	退出費率 %
1 個月	10.0000	21 個月	6.6680	41 個月	3.3360
2 個月	9.8334	22 個月	6.5014	42 個月	3.1694
3 個月	9.6668	23 個月	6.3348	43 個月	3.0028
4 個月	9.5002	24 個月	6.1682	44 個月	2.8362
5 個月	9.3336	25 個月	6.0016	45 個月	2.6696
6 個月	9.1670	26 個月	5.8350	46 個月	2.5030
7 個月	9.0004	27 個月	5.6684	47 個月	2.3364
8 個月	8.8338	28 個月	5.5018	48 個月	2.1698
9 個月	8.6672	29 個月	5.3352	49 個月	2.0032
10 個月	8.5006	30 個月	5.1686	50 個月	1.8366
11 個月	8.3340	31 個月	5.0020	51 個月	1.6700
12 個月	8.1674	32 個月	4.8354	52 個月	1.5034
13 個月	8.0008	33 個月	4.6688	53 個月	1.3368
14 個月	7.8342	34 個月	4.5022	54 個月	1.1702
15 個月	7.6676	35 個月	4.3356	55 個月	1.0036
16 個月	7.5010	36 個月	4.1690	56 個月	0.8370
17 個月	7.3344	37 個月	4.0024	57 個月	0.6704
18 個月	7.1678	38 個月	3.8358	58 個月	0.5038
19 個月	7.0012	39 個月	3.6692	59 個月	0.3372
20 個月	6.8346	40 個月	3.5026	60 個月	0.1706

6.4 註冊費

540 美元的註費需於計劃開始日起支付。此費用會於首次供款分配至資產選擇前扣取。

自計劃第六年起仍持有本計劃資產時，需每月持續支付 9 美元的註冊費。該費用透過分配到計劃賬戶中等值的單位每月扣取直至計劃終止。若計劃在應扣取該費用時，所持有之資產價值總額超過 250,000 美元，則當月無須支付該筆費用。詳情可參考計劃契約的註冊費說明。 xx有權在提前 3 個月發出通知予閣下後，調整註冊費。

6.5 轉換費

目前變更資產選擇並無轉換費。然而，本公司保留隨時採用及修訂該費用的權利。在因本公司關閉相關基金或終止結構性產品時發生非自願性轉換資產的情況下，本公司將不會徵收轉換費。

6.6 基礎資產內的收費

基礎資產費用取決於資產選擇及相應的基礎資產，並依據本公司所提供的環球資產選擇簡介中提供的基礎資產為範圍。有關進一步資訊，請參閱可從閣下的財務顧問處獲取由基金經理或發行商（視情況而定）發佈或發行的個別基礎資產說明書。

6.6.1 年度管理費或保管費

該費用由基礎基金經理和基礎產品發行商與基礎商品交易商釐定，且可不時更改。基金經理和產品發行商會從基礎資產/基金中直接扣除，並在相關單位價格中予以反映，因此閣下不需要單獨支付該費用。若為基礎商品交易，閣下可能會被要求另行支付該項費用。

6.6.2 買賣差價

「買價」指閣下就分配到閣下計劃中的某個單位支付的價格。「賣價」指就本公司取消或扣取閣下計劃中的某個單位所適用的價格。同一基金或同一結構性產品或商品的買價與賣價的差額為買賣差價，該差價即實際上閣下付給基礎基金經理或基礎產品發行商或基礎商品交易商的費用，該差價在基金和結構性產品與商品間或有不同。

(a) 目前，就環球資產選擇簡介中的所有基金而言，買賣差價為零，本計劃下的所有基礎基金的詳情可參見基礎基金的章程。然而，結構性產品仍然有可能有買賣差價，實際費用依各結構性產品或商品交易商公佈的產品細節說明為主。

(b) 本公司保留收取買賣差價的權利，以反映當基礎基金經理或基礎產品發行商或基礎商品交易商修改收費結構時適用的贖回費。

6.6.3 提早贖回費

此費用由基礎基金經理或基礎產品發行商或基礎商品交易商決定，且不同的基金或結構性產品或商品其費用可能不同。當閣下在產品期滿前或在需持有資產期到期前申請贖回基礎資產，則將需支付提早贖回費。詳情請參見由基礎基金經理人、結構性產品發行商或商品交易商或安智所發行的產品資訊說明書。

6.7 組合管理費（如適用）

(a) 若閣下選擇委任組合管理經理人，可能會出現組合管理費，該費用為每年計劃賬戶價值的 0%至 2%。該費用是選擇性的，且將由閣下與閣下委任的第三方組合管理經理人議定。閣下將負責支付該項費用。

(b) 如適用，該費用將以月為基礎，自計劃月份的下一個可取得賣價的估值日，自計劃賬戶中，依資產價值比例扣取等值數量的單位。

6.8 貨幣兌換費用（如適用）請參見上述第2.3條款。

6.9 其他費用（如適用）

因或就計劃另外招致的任何費用或傳輸費用將透過扣取計劃單位予以支付。

6.10 費用的更改

x公司保留經由給予閣下提前三個月的事先書面通知，或者給予符合相關監管規定的其他通知期，可更改計劃費用與收費或徵收新的費用與收費的權利。

7. 資產條款

x智提供了一系列投資基金和結構性產品與商品供閣下做資產選擇。本公司的環球資產選擇簡介中載列了當前可供選擇的投資基金及結構性產品與商品名單，且該名單由本公司不時予以修改。

閣下的投資決定及計劃中任何因市場價值變動所涉及的風險，概由閣下承擔。在訂立本協議及作出計劃的投資決定時，閣下須對該等決定作出適當及謹慎考慮，以及獲取閣下認為所需的獨立意見。

若本公司向閣下提供可能與基金或結構性產品或商品有關的任何資訊，基本上本公司僅提供資訊，不會對若閣下因或就任何資訊可能蒙受或招致的任何損失負責。

閣下的計劃可從安智提供的資產選擇中任選而不設限，且還可進行部份的資產轉換。然而，將有關供款分配至計劃中個別資產選擇的金額必須等於或高於相關計劃貨幣規定的最低限額，不同計劃貨幣的最低限額如表5.2和5.2(b)條款所載明。有關結構性產品或商品，有可能會有進一步的交易限制，安智會隨時通知閣下。

若任何資產以計劃貨幣之外的貨幣估值，則由安智依據市場上取得之匯價，將該價值轉換為依計劃貨幣計值。

7.1 基礎資產

閣下的各項資產選擇均具有相應的基礎資產。雖然本公司可能提供與資產配置、交易日、預期投資及投資限制、職責與費用有關的資訊，但本公司對投資表現概不負責。

xx將遵循閣下的資產選擇，作為受託人為及代表閣下購買、持有或出售，或者透過代名人購買、持有或出售閣下計劃賬戶中的單位，而且議定由xx代表有關委託人行事。閣下理解，該單位將以xx或安智指定的代名人的名義註冊。

對於本計劃的估值而言，就本計劃的資產選擇所分配的資產單位僅為名義上的。

由於計劃的各項收費，閣下資產選擇的回報可能低於基礎資產的回報。

閣下個人持有的名義單位可在安智管理系統中的閣下計劃紀錄予以獨立識別。閣下可隨時要求該等名義單位之估值，估值的依據是根據基礎基金的經理或結構性產品發行商或商品交易商提供最新可得之單位價格。

7.2 單位

儘管本協議有任何其他規定，如果由於或因本公司無法控制的事件或情況（包括但不限於本公司託管銀行或任何基金或基金經理或結構性產品發行商或商品交易商所在地區的公眾假期）引起未能或延遲購買或出售計劃的任何單位，本公司概不就任何延遲或未能執行承擔責任。

安智於營業日截止時間或之前收到的交易要求，將按安智接受要求日之後的下一適當的估值日通用的基礎資產單位價格及匯率進行處理

（T+1）。任何交易要求於任何日的截止時間之後收到，均將視作該交易要求是xx於下一個營業日所收到般處理。本公司有權隨時酌情更改截止時間。

7.2.1 單位的分配

當供款投入閣下的計劃賬戶中，透過投資至各資產所創建的單位，以反映分配到該資產中閣下資產選擇的金額。

單位數將按基礎資產下一個適當估值日之買價，或採用安智可能䀆快取得之合理可行的價格計算。並將在以下情況下創建該等單位：

(a) 如供款分配至新資產選擇，則透過個別之資產選擇放入該資產；

(b) 如進行資產轉換，則透過個別資產轉換的金額放入該資產。

7.2.2 單位的扣取

根據本計劃應付的費用及金額乃透過扣取已分配單位予以支付，其價值等於根據本計劃要求支付的費用。將按照所分配單位的賣出總價值的比例從閣下於資產選擇中所選擇的基礎資產中扣取單位。

7.3 資產轉換

在本計劃生效期間，閣下可申請將任何基礎資產單位從計劃賬戶中轉至環球資產選擇簡介中載列的其他基礎資產。閣下僅可轉出而不得轉入結構性產品；此乃因結構性產品的交易規定受限於各系列產品有個別不同的規定。請參閱x智不定時通知閣下有關結構性產品的交易須知。閣下在接受商品交易商的交易規則下可轉換至相關商品。請參閱x智不定時通知閣下有關商品的交易須知。

閣下可進行任何次數的資產轉換，前提是資產選擇有關的供款金額必須等於或高於上表 5.2 及下列條款載列的最低限額：

(a) 本公司僅接受整數百分比的每個資產轉換指示。

(b) 在轉換後，除另有指示外，未來供款將繼續按照閣下最近的資產選擇予以分配。

(d) 若所出售單位的計值貨幣與所購入單位的貨幣不同，則在購入有關單位之前，本公司將會按照換算之時通行的匯率，將出售所得的款項換算成為所購入單位有關資產的貨幣。

(e) 轉換資產選擇將受安智不時決定的任何其他管理規則所限。

(f) 本公司在向閣下發出至少提前三個月的通知或較短期限的通知後，可就資產轉換徵收費用及／或限制資產轉換的次數。然而，若發生由本公司決定關閉相關基金或終止結構性產品申購或停止持有商品時之非自願性資產轉換的情況下，本公司將不會徵收該費用。

7.4 暫存賬戶

考慮到資產轉換之間的交易頻率不同或有時間間隔，安智備有暫存賬戶以在不可能立即進行新供款投資及轉換至選擇之目標資產的情況下，暫時持有該款項。本公司將竭盡所能盡快將相關單位分配至計劃賬戶。暫存賬戶由本公司託管銀行託管。

7.5 股息

當資產有分配股息時，本公司將計算閣下有權分配的金額並依絕對決定權將股息分派給閣下。股息通常在配息金額宣派的一個月內派發至相關資產。然而若本計劃在股息宣派日及付款日期之間終止，僅超過 100 美元／100 歐元／100 澳元／人民幣 700 元／800 港元／10,000日圓／的股息款項才會被支付。

7.6 暫停單位價格的釐定

在以下情況，安智可全權決定暫停買入、出售單位或作出單位估值：

(a) 任何基礎資產的交易被暫停；

(b) 任何涉及單位價格計算的認可證券交易所或市場停市（正常的休市時間及日子除外）或限制交易；

(d) 任何投資或資產變現中將會或可能涉及的收益匯出或匯入，或單位的取消出現延遲或按安智認為無法立即以正常匯率執行。

(e) 當該項買入或賣出的指示，未按照計劃條款所要求發出；及／或

(f) 在任何其他情況下，無法計算出公平及準確的單位價格。

7.7 資產關閉／合併／分割

(a) 本公司可隨時關閉或停止提供資產或停止執行將單位分配至任何資產或停止執行轉換任何資產，舉例而言，如果：

(i) 資產停止在認可證券交易所或市場掛牌買賣或因其他因素而不接受進一步投資；及／或

(ii) 由於環境、法律、法規、政府政策、貨幣或資本控制、政治發展、國外投資限制發生任何變化，或者投資計劃或資產目標難以實現或資產規模小於章程、說明書或產品條款說明書中的下限規定，基礎基金經理或發行商或交易商可酌情決定關閉、終止、合併或分拆基金；

(iii) xx於任何資產中的投資低於使該資產的管理具經濟效益的水平時，在本公司採取第7.7(a)條款許可的任何措施前，本公司將給予閣下至少一個月的事先書面通知或其他較短的通知期（若本公司不認為給予一個月的通知乃可行）。在此情況下，本公司有絕對決定權，將資產中的所有單位轉移至擁有同樣或類似投資目標（如可能）的其他資產中。

(b) 若資產已經或將要關閉、合併、分拆或終止，本公司將在可行的情況下盡快透過書面以郵寄或閣下選擇的方式通知閣下（「關閉通知」）。若閣下在本公司發出關閉通知前或一經發出時已兌現資產單位，則該筆資產款項將放入暫存賬戶中。此外，一經收到資產關閉通知，閣下可於關閉通知中所載明的期限內向本公司提供書面指示。本公司將按照閣下在期限內所發出的書面指示，將賣出的資產款項用以買入指定之資產單位。

(d) 該買入或賣出的計劃單位，將依照有關資產的單位價格作出。

(e) 若閣下關於資產選擇分配的現有指示涉及本公司已關閉、已終止或須關閉、須終止的資產，當閣下作出任何額外供款時，閣下必須更改指示，排除該資產；否則，本公司會將閣下的資產選擇改分配至其他依本公司全權決定認為適宜的資產。

(f) 如在計劃下的任何資產已經或將要結束、合併、分拆或終止，閣下可要求資產轉換，即由這個資產轉換成另一個資產。如本公司未於該資產關閉通知失效前收到有關要求，本公司可作出資產轉換，將該資產轉換至依本公司裁量決定認為適當的其他資產，如同本公司已收到閣下要求如此行事一般，且任何該等資產轉換應為最終轉換，但本公司並無需對該等資產進行轉換的義務。

8. 海外賬戶稅收遵從法 (“FATCA”)

依據美國「海外賬戶稅收遵從法」或簡稱 FATCA，所有被廣泛定義為金融機構級別的非美國企業，皆被要求必須遵從該法要求之文件提

供與通報制度，否則，自 2014 年 7 月 1 日起，當與美國有關之款項被認定歸屬於「可扣繳款項」時，將被課以 30%的預扣所得稅（自 2017 年起，30%的預扣所得稅款制也適用於從銷售資產總額中產生的可扣繳款項及國外中間機構轉付款項）。某些非美國法律實體之非金融機構，亦被要求需確認其客戶無實質美國利益所有權或當客戶為實質美國利益所有權人或具控制權者，且為被認定之美國人身份時，需披露特定資訊，否則自 2014 年 7 月 1 日起也同樣會被課以同上述 30%的預扣所得稅。根據 FATCA 規定的通報義務，普遍地要求金融機構需取得或披露有關特定賬戶所有人之訊息予美國稅務局(IRS)。

在特定國家中 FATCA 對金融機構造成的衝擊，或視美國與該國間之跨政府間協議(IGA)，而有所不同。目前美國與xx群島間雖尚未簽署 IGA，但因安智為註冊之應報告FATCA 的金融機構，因此有義務依規定的實質審查程序，申報客戶乃屬 “應報告美國籍賬戶” 或 “非認定賬戶”，並且提供有關 “非參與外國金融機構” 的特定資訊予美國稅務局。

閣下可能會被要求提供自我證明聲明書或其他文件予安智，以確認閣下的稅務居民身份。再者，如果有任何情況發生，改變閣下的稅務居民身份，或如安智合理的認為該自我證明聲明書是不正確或不可靠的，則將要求閣下提供新的自我證明聲明書和/或額外的文件。

為了遵守 FATCA 條款並按照任何本地或外國法律、法規或規章及/或達到安智應盡的申報義務，安智可收集、儲存、使用與處理、任何提供給我們的個人信息，並向有關稅務機關進行批露與申報。

在閣下持有計劃期間安智有權要求，閣下亦有義務，提供我們更多的額外證明文件證實是否具有美國或非美國人士身份。

如果閣下不能提供任何安智認為必要的資料或未能在指定時間針對申請書或提供給x智的有關文件內的疑問進行說明，則我們有權依我們所認定的結果採取適當的處理。此外，我們保留終止閣下計劃的權利或將閣下的計劃歸類為「”不同意“ 或 ”非參與外國金融機構“」或是根據 FATCA 規則預扣稅款及作出申報。

閣下同意安智或其附屬公司／子公司蒐集有關計劃申請和處理時的任何信息。根據相關稅務規定並遵守所有適用法律和法規，閣下進一步同意將上述信息及與申請計劃有關的任何資訊與安智附屬公司／子公司及相關政府單位／稅務機關共享。上述處理及相關資料處理過程可能涉及將資訊移至xx群島以外地區，同時亦涉及將資訊透過中間機構、服務提供商、交易方或政府機構／部門傳遞。如收款人或任何第三方的信息涉及到任何轉移，閣下必須獲得上述所有單位同意。

9. 其他條文

x智無須對因其依照閣下指示或根據本協議提供該計劃或與提供該計劃相關而使閣下招致的任何形式的損失負責，但因安智或安智委任或僱用的任何其他人士的疏忽或故意過失導致的損失則另作別論。

閣下須就與該計劃相關及／或因閣下在履行本協議過程中的任何過失所致，針對安智及其委任或僱用的任何其他人士的所有申索、負債、損害賠償、損失、成本及任何形式的開支作出彌償，除非因安智或安智委任或僱用的任何其他人士的疏忽或故意過失所致的損失則另作別論；而該損失彌償即使於本協議已終止仍需負責。

如在任何司法管轄區，向任何人士作出銷售要約或認購招攬屬違法，

則安智環球(xx群島)服務有限公司提供的任何資料不應視為在該司法管轄區向此類人士作出該等邀請或招攬。該計劃及協議所載的任何資料均未經任何司法管轄區之任何監管當局審核、批准或註冊。

閣下明白，儘管文件可發送至其位於香港關聯公司的辦公室，但安智環球(xx群島)服務有限公司並不在香港營運。

接受參與本計劃的資格與否，取決於本公司的最終決定。

在有關文書上載列的資料並不意圖提供給限制分發該等資料的司法管轄區內的人士使用。收取此等文書的人士須自行了解任何相關限制並予以遵守。一旦計劃簽屬，即表示閣下聲明及保證，閣下並非xx群島或香港居民，且閣下所在司法管轄區的適用法律及法規允許閣下收取相關資料及參與計劃。

投資有涉及風險，閣下應詳閱相關資產說明書，了解更多詳情。單位或股份的價格及其收入有升有跌，資料所列的任何過往績效表現並非未來績效的指標。

xx提供的任何資料不代表提供任何專業意見，因此閣下不應就此倚賴。建議取得此等文書的人士，在必要時應尋求適當的專業意見。本公司不代表或承受有關其準確性或完整性的任何責任，且無須對任何人士因倚賴我們提供的資料造成的損害賠償承擔責任。

任何報價均僅供參考，且亦可能在進行變更後而不發通知。

投資決策由閣下自行作出。如閣下對計劃的適合性及投資目標感到不確定，則不應認購。

某些資產可能涉及衍生性產品。請勿投資於該資產，除非閣下已完全了解並願意承擔與之相關的風險。

在最壞的情況下，資產價值可能遠低於閣下的最初投資金額（在極端情況下，閣下可能全部損失。

10. 臨時受益人

10.1 計劃持有人有權在任何時間，不時以書面遞送通知xx，要指定另一人或多位人士擔任臨時財產受益人。計劃持有人如作了前述指定，則適用下列條款：

(a) 如發生破產或無力償債事件影響到計劃持有人，或任何外國政府，法院或第三方沒收或企圖沒收計劃持有人在本計劃中的實益權，則計劃持有人的實益權自動歸臨時財產受益人所有；或

(b) 如計劃持有人欲將其在本協議內的實益權轉讓、讓與或抵押設定給除外受益人，或計劃持有人因為身心喪失行為能力，而使其財產需由法令指定之監護人或管理人接管，或發生實益權將歸屬於或應付予另一人的情況，則xx（或任何繼任受託人）可按其決定權自行決定，宣告在此期間計劃持有人的實益權將授予臨時財產受益人；或

10.2 如xx認為（觸發前述作為）事件已消除，則安智可宣佈計劃持有人的實益權回歸計劃持有人所有。

10.3 如臨時財產受益人有多於一位，則任何實益權將依照計劃持有人，在指定臨時財產受益人通知內所訂立之方式與比例，授予臨時財產受益人們；如未規定方式或比例，則由臨時財產受益人平分。

11. 強制性條款

儘管本協議有其他條款的規定，但如賦予或保留予任何人的權利、權力或決定權，是在善意受託人任職前夕，因下列原因去行使或意圖行使有關權利、權力或決定權:

(a) 該行為人乃在被強制、脅迫或外力的影響下而行使或不行使；

(b) 受託人不認為本質上是出於自願的；

(d) 因法院、法庭或行政機關、或破產管理受託人、官方受讓人或其他類似被任命者或人員的指令、命令、裁定或類似法令而發生；或

(e) 本質上非出於自願；

且受託人認為該權利、權力或決定權的行使或不行使，不符合行使或不行使前之計劃持有人的利益，則視該權利、權力或決定權的行使或不行使不生效力且無影響。

= 計劃條款及細則完 =

Single Contribution Plan and Trust Agreement – Sparkle

Terms and Conditions

Sparkle is a single contribution investment-linked Plan provided by Metis International Limited. Metis International Limited will be dealing with and holding the investments in the capacity of a trustee under the International Trusts Act 1984 (Cook Islands), and as such will be the legal owner of the investments. You are the settlor of the trust hereby created and you, or any beneficiary named by you, will be the beneficial owner of the investments.

Metis International Limited is incorporated in the Cook Islands, and is a subsidiary of Metis Global (Cook Islands) Limited, licensed as a trustee company under the Trustee Companies Act 2014 (Cook Islands). Metis Global (Cook Islands) Limited is a wholly owned subsidiary of Metis Global Limited.

These Terms and Conditions together with the Application Form and the enclosed Plan Schedule and any future endorsements and the Master Trust (collectively the “Agreement”) constitute the entire agreement between you and us relating to the transactions contemplated by this Agreement and supersede and extinguish all previous agreements between the parties relating to these transactions. In case of inconsistency, these Terms and Conditions shall prevail. In entering into this Agreement no party may rely on any representation, warranty, collateral contract or other assurance (except those set out in this Agreement) made by or on behalf of any other party before the signature of this Agreement and each of the parties waives all rights and remedies which, but for this provision, might otherwise be available to him in respect of any such representation, warranty, collateral contract or other assurance provided that nothing in this provision shall limit or exclude any liability for fraud, dishonesty or wilful concealment.

This Agreement does not cover the tax rules that apply to your Plan so you should speak to your financial advisor and obtain independent tax advice. Metis International Limited reserves the right to decline any application at its sole discretion.

Contact Details

Metis International Limited G/F Bermuda House, Tutakimoa Road

Rarotonga, Cook Islands.

Tel: (682) 25562 Email:xxxxxxx.xx@XxxxxXX.xxx

Website: xxx.XxxxxXX.xxx

In these Terms and Conditions Clauses:

1. DEFINITIONS AND INTERPRETATIONS

1.1 The following are meanings of words and expressions used in the Plan, unless otherwise stated:

Metis or we means Metis International Limited; and our and us

shall be construed accordingly.

You means the Plan Owner(s) and Your shall be construed accordingly.

Account Value/Investment Value/Plan Value means the sum of the total number of Notional Units in the Plan Account representing each Asset Choice multiplied by their applicable Bid Price.

Account Units means all the Units purchased with Contributions.

Act means the International Trusts Act and its amendments and references thereto include references to the corresponding references to any subsequent consolidation or re-enactment of that Act.

Additional Contribution means a single amount paid by you on an ad hoc basis which is stated in an endorsement issued by us and does not include Initial Contribution.

Administration Charge has the meaning in Clause 6.2.

Agreement means these terms and conditions, the Application Form, the Master Trust and the enclosed Plan Schedule and any future endorsements.

Application Form means the application form completed by You in connection with this Plan.

Assets means the Underlying Fund or Underlying Product or Underlying Commodity or other investment.

Asset Choices means the Fund Choices or Product Choices or Commodity Choices.

Beneficiary means each Plan Owner and, in the circumstances outlined in clause 10 of this Agreement, shall include a Residual Beneficiary, provided that no person who is an Excluded Beneficiary shall be capable of being a beneficiary.

Bid Price means the price we use to sell Notional Units corresponding to your chosen Asset Choices in accordance with your instructions. It is the price used in calculating switches out or redemption of Asset Choices corresponding to Underlying Assets.

Closure Notice has the meaning ascribed to it in Clause 7.7(b).

Commodity／Underlying Commodity means the commodity or goods traded on a commodity exchange including but not limited to gold, silver and any other precious metals, physical or forward. Each of your Commodity Choice has a corresponding Underlying

Commodity. Metis will purchase or sell Units in the Underlying Commodity corresponding to your Commodity Choice. Metis will review the commodity selections in the platform on a regular basis.

Commodity Choice means your choice of Commodity.

Contribution means an amount paid to Metis under and for the purpose of this Plan and includes Initial Contribution and Additional Contributions.

Contribution Currency means the currency in which the Contributions shall be made under the Plan and shall not be changed to another currency after the Plan Commencement Date without our approval in writing.

Encashment has the meaning in Clause 3.5.

Encashment Value means the bid value of all the Account Units on the next Valuation Day, subject to the provisions set out in Clause 3.5.

Endorsement means a written document issued by Xxxxx to record and confirm amendments made to the terms of the Plan.

Event of Duress means:

(a) The receipt or attempted service of any communication by a court administrative tribunal or similar governmental or quasi-governmental agency in any jurisdiction, other than the jurisdiction of the governing law, under which any person seeks relief or remedy for himself or any person by means of:

(i) The assertion of a claim adverse to Metis (or any successor Trustee) over any property held in the Plan-Fund;

(ii) The request for an order or instruction to Metis (or any successor Trustee) or custodian of any property in the Plan-Fund in contravention to the provisions of this Agreement including the provisions allowing Metis to exercise any discretion; or

(iii) Any request for information concerning the origin, receipt, management, administration, investment, distribution, or encumbrance of property held in the Plan-Fund with a view to the assertion of a claim against or the establishments of a receivership or other like arrangement over the property of the Plan-Fund that is in any way materially adverse to the exercise of the powers of management, administration, investment and distribution of Metis under the provisions of this Agreement;

(b) The mandatory replacement of Metis or the placing of limitations on the powers of Metis other than in accordance with the terms of this Agreement;

(c) The threat of or actual suspension or abrogation in whole or in part of this Plan, or any contract with a party involved in the Plan.

(d) The threat of or the actual compulsion of the Trustee to sell, transfer or otherwise dispose of the Plan-Fund assets in a manner inconsistent with the terms and provisions of this Agreement.

Event of Jeopardy means the threat of or actual:

(a) War, invasion, military occupation or revolution;

(b) Confiscation, nationalization or expropriation of assets, or compulsory conversion of the Plan-Fund assets into the currency of the jurisdiction, by any government body, either with or without compensation;

(c) Termination of exchange control or tax laws favourable to the Plan or the Plan-Fund or the implementation of exchange control or tax laws unfavourable to the Plan or the Plan-Fund;

(d) Mandatory liquidation or dissolution of Metis;

(e) Devaluation or inconvertibility of the currency in which Plan-Fund assets are held;

(f) Serious governmental threat as determined by Metis to the ownership or free transfer of private property by citizens of the jurisdiction.

Excluded Beneficiary means any of the following list of excluded persons, and is to be interpreted in its broadest sense:

(a) Any court, administrative or judicial body or tribunal, including any government or quasi-government body or tribunal;

(b) Any creditor or claimant including any judgment creditor of Xxxxx, any Plan Owner or Beneficiary;

(d) Any Plan Owner who is or becomes domiciled or ordinarily resident in the Cook Islands in terms of section 22 of the Act, during the period of such domiciliation or residence.

Exit Charge has the meaning ascribed to it in Clause 6.3.

FATCA means

(a) the Foreign Account Tax Compliance Act provisions of the U.S. Internal Revenue Service under Sections 1471 to 1474 of the Code or any associated treasury regulations, as amended or supplemented from time to time, or other official guidance;

(b) any treaty, law, regulation or other official guidance enacted in any other jurisdiction, or relating to an intergovernmental agreement between the U.S. and any other jurisdiction, which (in either case) facilitates the implementation of paragraph (a) above; or

(c) any agreement pursuant to the implementation of paragraphs (a) or (b) above with the U.S. Internal Revenue Service, the US government or any governmental or taxation authority in any other jurisdiction.

FATCA Withholding means a deduction or withholding from a payment under [the agreement] as required by FATCA.

FATCA Withholdable Payments include payments of interest (including original issue discount), dividends, and other items of fixed or determinable annual or periodical gains, profits, and income, in each case, from sources within the U.S., as well as

gross proceeds from the sale of any property of a type which can produce interest or dividends from sources within the U.S. FATCA will also require withholding on the gross proceeds of such sales for payments made after December 31, 2016. Certain U.S. sourced financial payments in connection with lending transactions, investment advisory fees, custodial fees, bank or brokerage fees are also included.

Fund/Underlying Fund means an investment fund operated by a Fund Manager, each of your Fund Choices has a corresponding Underlying Fund. Metis will purchase or sell Units in the Underlying Fund corresponding to your Fund Choice. Metis will review the fund selections in the platform on a regular basis.

Fund Choices means each of your Fund Choices has a corresponding Underlying Fund. A list of all corresponding Underlying Fund can be found in our International Asset Selection.

Holding Account means a non-interest bearing cash account in the currency of the desired Underlying Asset corresponding to your Asset Choice where a contribution allocation or switch proceeds may be held until the next available Valuation Day of the Underlying Asset which it represents.

Initial Contribution means the minimum amount to be paid by you to activate the Plan.

Loyalty Bonus means the bonus that may be allocated to the Plan Account under this Plan in accordance with Clause 4.1.

Master Trust means the Master Trust (if any) referred to in the Application Form.

Maximum Partial Withdrawal allowed for each Withdrawal so that the value of the Plan after the relevant Withdrawal is at least equivalent to the Minimum Plan Value.

Plan Year	Minimum Plan Value
1st	50% of Initial Contribution and Additional Contributions
2nd	40% of Initial Contribution and Additional Contributions
3rd	30% of Initial Contribution and Additional Contributions
4th	20% of Initial Contribution and Additional Contributions
5th	10% of Initial Contribution and Additional Contributions

Minimum Plan Value means the minimum values (shown in the table below) maintained in the Plan and it varies in each Plan year:

Minimum Contribution means the minimum contribution to be allocated to an Asset Choice.

Notional Units means the Units in the Underlying Assets that shall notionally be purchased without taking into account the cancellation of Units in payment of the charges imposed by Clause

6. The price of the Notional Units is set to be equal to the price of a Unit in the Underlying Asset. The Notional Units are used only for the purpose of calculating the value of your Plan.

Offer Price means the price at which Metis buys Units of the Underlying Asset corresponding to your Asset Choices. It is the price used for investments or switches into Underlying Assets.

Plan means a single contribution investment-linked plan provided by Metis named “Sparkle” which terms and conditions are provided in this Agreement.

Plan Account means your account under the Plan containing the Account Units.

Plan Anniversary means the same day and month in each year as the Plan Commencement Date.

Plan Commencement Date means the commencement date of the Plan as shown in the Plan Schedule.

Plan-Fund means all Account Units and other benefits of this Plan held by Metis on trust pursuant to this Agreement.

Plan Maturity Date means the date stated in the Plan Schedule as the Plan Maturity Date and no Exit Charge for taking Encashment or Withdrawal from the Plan will apply.

Plan Month means a month starting from the same day in each month as the Plan Commencement Date.

Plan Owner means the applicant(s) of the Plan specified in the Plan Schedule or the successors in title or assignees of the applicant(s).

Plan Schedule means the document, issued at the Plan Commencement Date, or the latest revised version thereof, and any endorsements, which sets out specific details of your Plan.

Portfolio Manager appointed by You to decide the portfolio, redirection and asset or investment switching in the Plan.

Product Choices means your choice of Underlying Product.

Protector means Metis Global (Cook Islands) Limited a company duly incorporated in Cook Islands together with any successor Protector appointed in accordance with Clause 3.7

Registered Office means the registered office of Metis in Cook Islands at the relevant time.

Registration Fee means the fee payable in respect of the Plan pursuant to Clause 6.4.

Regular Withdrawal means a sequence of fix amount Withdrawals, at your request, on a regular basis and in a pattern agreed with us, by completing the relevant form provided by us.

Residual Beneficiary means any person designated as such by any Plan Owner pursuant to Clause 10 of this Agreement.

Structured Product includes:

(a) an instrument under which some or all of the return or amount due (or both the return and the amount due) or the method of settlement is determined by reference to one or more of:

(i) changes in the price, value or level (or a range within the price, value or level) of any type or combination of types of securities, commodity, index, property, interest rate, currency exchange rate or futures contract;

(ii) changes in the price, value or level (or a range within the price, value or level) of any basket of more than one type, or any combination of types, of securities, commodity, index, property, interest rate, currency exchange rate or futures contract; or

(iii) the occurrence or non-occurrence of any specified event or events (excluding an event or events relating only to the issuer or guarantor of the instrument or to both the issuer and the guarantor);

(b) an agreement the purpose or effect, or pretended purpose or effect, of which is to provide, whether conditionally or unconditionally, to any party to the agreement a profit, income or other returns calculated by reference to changes in the value of any property; and

Trust means the trust created by this Agreement.

Trustee means Metis or any successor trustee appointed by the Protector.

Underlying Asset means the Underlying Fund or Underlying Product or Underlying Commodity or other Underlying Asset.

Underlying Product means a Structured Product, each of your Product Choices has a corresponding Underlying Product. Metis will purchase or sell Units in the Underlying Product corresponding to your Product Choice. Metis will review the Product selections in the platform on a regular basis.

Unit means the portions or units into which a Fund or Structured Product or Commodity is divided.

Unit Price in respect of a Fund, is the price per Unit of that Fund and in respect of a Structured Product, is the price per Unit of that Structured Product and in respect of a Commodity, is the price per Unit of that Commodity.

Valuation Currency means the currency specified by you in the Application Form for valuation of the Plan.

Valuation Day in respect of an Asset, means each day which is a Hong Kong business day and (if relevant) an Underlying Asset business day.

Withdrawal means a withdrawal from the Plan which will decrease the Plan Value.

1.2 In these Terms and Conditions, the singular includes the plural and the masculine includes the feminine and neuter gender, and in each case vice versa, unless specifically indicated otherwise.

1.3 Where the words “include(s)” or “including” are used in the Terms and Conditions, they are deemed to have the words “without limitation” following them and the words “other” and “otherwise” where used in the Terms and Conditions are illustrative and shall not limit the sense of the words preceding them.

1.4 References in these Terms and Conditions to a Clause or a sub-Clause are to a clause or sub-clause respectively of these Terms and Conditions and references in these Terms and Conditions to a Schedule are to a schedule to these Terms and Conditions.

2. GENERAL CLAUSES

2.1 The Agreement

The name of the Plan is “Sparkle”. The Plan will give you access to a variety of investment vehicles.

2.2 Cooling-Off Period

(a) You may cancel the Plan within 30 days after the issue date of the Plan Schedule. If you wish to cancel this Plan, your request (“Request”) to cancel must be in writing, signed by you and received directly by us at our Registered Office.

(b) After we receive your Request we will within 45 calendar days refund the Contributions received by us without interest, from which we will deduct an amount to cover any differences, loss, charges and costs resulting from or in connection with the Request or the realization of the assets acquired in the Plan.

2.3 Currency

(a) The Contributions shall be made in the Contribution Currency. The Asset Choices into which Contribution are to be allocated may be in different currencies from the Contribution Currency. When purchasing or selling Units in the Underlying Asset corresponding to your Asset Choice, the transaction will take place at the prevailing exchange rates of the Asset Choice currency and the Contribution Currency (as determined by us in our reasonable discretion) on the date when the payment is processed by us.

(b) You must specify the Contribution Currency and Valuation Currency in the Application Form. If no Valuation Currency is specified, the Contribution Currency will be used as the default Valuation Currency. The Valuation Currency of Plan can be in one of 6 currencies – US dollar (USD), Euro dollar (EUR), Australia dollar (AUD), Chinese Yuan Renminbi (CNY), Hong Kong dollar (HKD) or Japanese yen (JPY). We may accept other Valuation Currency in our absolute discretion.

(c) For the purposes of valuation, the value of Notional Units in your Plan will be aggregated on the valuation statements and

valued both in their own currency and in the Valuation Currency. The Valuation Currency will be stated and adopted in the annual statements which will be sent to you to update you on the status of the investments made under the Plan. You will be deemed to accept the annual statements and all the contents therein if we do not receive any objections from you within one month after the same is sent to you.

(d) Any Encashment or Withdrawal must be calculated in the USD. However, we may, upon timely request in writing, pay out in a different currency at the prevailing exchange rate (as determined by us in our reasonable discretion).

(e) Generally, all Contribution figures quoted in any document relating to the Plan are in USD. To convert those figures to other currencies the following conversion rates should be used:

Currency	USD/EUR/AUD	CNY	HKD	JPY
USD	1	7	8	110

If the market exchange rates of any of these currencies changes by more than 20% from [1st September 2016] we may by giving you not less than three months prior notice in writing amend the conversion rate or rates to reflect the then current market exchange rates.

(f) For the purpose of the Plan, we are entitled to convert such amounts insofar as the conversion is desirable or required. Whenever there is any conversion of currency, we may convert the amount at the rates stipulated in Clause 2.3(e) above or at the prevailing exchange rate (as determined by us in our reasonable discretion), subject to any applicable law relating to exchange control or any other restriction.

2.4 Communication

The Plan Owner must inform Xxxxx in writing about any changes to the Plan Owner’s address, country of residence, citizenship or domicile as soon as possible after any change.

(a) Any notice to be given under this Agreement will be sent by post to your latest correspondence address or email to your email address as notified to us, and will be deemed to have been received by you within 48 hours of posting or sending out.

(b) Any application or notice to us will be considered received by us only if the original copy of the application or notice was sent to our Registered Office, but we may at our discretion act on any application or notice received by facsimile, email or other electronic means. We reserve the right to require additional information or documents to be submitted by you before we act on the application or notice.

2.5 Termination

Subject to Clause 3.6, this Plan will automatically terminate on the earliest of the following:

(a) where the Plan Value is less than the Minimum Plan Value;

(i) as a result of any Withdrawal or Regular Withdrawal, or

(ii) at any time as a result of deductions for charges or because of a fall in the value of Underlying Assets corresponding to your Asset Choices; or

(b) the Plan is cancelled; or

(d) Xxxxx receives your written instruction of full Withdrawal from the Plan after the Plan Maturity Date.

Notwithstanding any other provisions of this Agreement, we may terminate this Plan at any time if in our opinion this Plan is likely to impose any regulatory or tax obligation on us that we would not otherwise be subject to.

The situations in (a), (b) and (c) above will all be subject to applicable Exit Charge as set out in Clause 6.3. On termination, you will be entitled to receive the value realized from the disposal of the Account Units less any applicable fees and charges.

2.6 Rounding

We reserve the right to round off any figures in the decimal places in any of our calculations. Such calculations will include, but are not limited to, the determination of charges, Unit Prices as well as the creation, redemption and/or allocation of Units. Based on our current practice (and. subject to the dealing rule of the underlying assets), rounding off adjustments will result in:

(a) The Notional Unit of Assets allocated and cancelled to the nearest two, three or four decimal places; and

(b) The value of your Plan and the charges of your Plan to the nearest two, three or four decimal places.

Any Bid Price or Offer Price of Assets will not be rounded. Notwithstanding the above, we reserve the right to adjust the number of decimal places or rounding method for each calculation with not less than one month’s prior written notice or such other period of notice in compliance with the relevant regulatory requirements.

2.7 Portfolio Manager

(a) Subject to our agreement, you may appoint a Portfolio Manager to act on your behalf for the purpose of making asset switching decisions or Contribution redirection or otherwise for your Plan, on the express understanding that you bear full responsibility for the acts or omissions of your Portfolio Manager. Our agreement to your appointment of the Portfolio Manager does not constitute a recommendation nor any representation in respect of the Portfolio Manager. The Portfolio Manager is the agent of the Plan Owner not of Metis.

(b) For any appointment or termination of appointment of a Portfolio Manager, you must use our appropriate form and meet all specified requirements in effect at that time.

(c) We reserve the right to terminate an appointment or withhold consent to an appointment proposed by you at any time. Xxxxx will not be liable for any loss sustained arising from the appointment of the Portfolio Manager nor from any request or instruction from the Portfolio Manager which is accepted or acted upon by Xxxxx. We will not be accountable for any actual or prospective loss incurred as a result of or in connection with the appointment of the Portfolio Manager whatsoever.

2.8 Changed Circumstances

We are entitled to alter or modify this Agreement at any time by one month’s notice in writing if:

(a) there is a change in the law affecting the Plan;

(b) there is a change in the tax treatment affecting the Plan;

(c) it becomes impossible or impracticable to perform any provisions in this Agreement as a result of changes in the law or other circumstances beyond our control; or

(d) the alteration or modification will be for the benefit of the Plan Owner, or will clarify any ambiguity contained in this Agreement or the interpretation of any provision of this Agreement, such matters to be determined by Metis in its sole discretion.

We also reserve the right to amend charging levels, the Minimum Contribution, Minimum Plan Value for each Underlying Asset, Minimum Plan Value or any amount referred to in this Agreement from time to time by a reasonable amount to reflect the inflation and operation cost.

2.9 Taxation

We will not be responsible for any tax liability or issues that may arise as a result of or in connection with this Plan. You are advised to seek independent tax advice in respect of this Plan from a professional tax adviser.

2.10 Law and Jurisdiction

(a) These Terms and Conditions are governed by, and shall be construed in accordance with, the laws of Cook Islands and in particular, the Act.. The courts in the Cook Islands shall have exclusive jurisdiction to settle any disputes and claims that arise out of, or in connection with, these Terms and Conditions.

(b) Metis (or any subsequent Trustee) may, with the consent of the Protector, or without the consent of the Protector when an Event of Duress or an Event of Jeopardy has occurred, by resolution and for the benefit or security of the Plan or the Plan-Fund, direct all or any part of the assets of the Plan-Fund to be moved from one jurisdiction to another or others, and change the situs of administration of this Plan from one jurisdiction to another or others.

(c) Metis (or any subsequent Trustee) may, with the consent of the Protector, or without the consent of the Protector when an Event of Duress or an Event of Jeopardy has occurred, but at all times for the benefit or security of the Plan-Fund, by resolution declare that this Plan shall, from the date of such resolution, take effect, either partly or wholly, in accordance with the law of some other jurisdiction or jurisdictions in accordance with section 13G(4) of the Act, and thereupon the governing law of this Plan and the trust thereby created shall be the law of that other jurisdiction or jurisdictions in respect of the aspects of the Plan expressed to be governed by the laws of that jurisdiction or jurisdictions.

(d) Where the governing law of this Plan is to be changed from that of one jurisdiction to that of another jurisdiction, Xxxxx may:

(i) vary the Plan Maturity Date so as not to infringe the law of that other jurisdiction; and

(ii) make such consequential changes to the provisions of this Plan as Metis shall consider necessary or desirable to give full force and effect to such changes of governing law.

2.11 Severability

Notwithstanding that the whole or any part of any provision of this Agreement may be held to be illegal or unenforceable, the other provisions and the remainder of the provision in question will remain in full force and effect.

2.12 Data protection

Metis respects data protection and will endeavor to keep any data provided to Metis by the Plan Owner confidential. However, you agree that Metis may for the purpose of the Plan or this Agreement share such data with any other person deemed appropriate by Metis and you agree that Metis may disclose such data if required to do so by regulator, court or by law. Also Metis may transfer your personal data to any place for any of the purposes set out above including data processing and storage.

2.13 Inconsistency

If there is any inconsistency between the English, Chinese or other language versions of this Agreement, the English version shall prevail.

3. OWNERSHIP CLAUSES

3.1 Plan Ownership

(a) The Plan Owner shall be the beneficial owner of this Plan and shall be entitled to exercise all rights given to the Plan Owner under this Agreement. We hold the Plan-Fund on trust for and on behalf of the Plan Owner in accordance with these Terms and Conditions and the Master Trust and, following expiry of the cooling off period, the trust hereby created shall be irrevocable.

(b) You may change the owner of this Plan, such change is valid only if the notice is dated and signed by us during the lifetime of the Plan Owner while this Plan is in effect. We will not be responsible for any payment we make or other action we take before we date and sign the notice.

(c) In the event of any conflict or inconsistency between the provisions of this Agreement and the provisions of the Master Trust, the provisions of the Master Trust shall prevail.

(d) Subject to the provisions of this Agreement Xxxxx, as trustee, shall have all powers, authorities and discretions which it could exercise if it were the absolute and beneficial owner of the Plan-Fund and all powers, authorities and discretions necessary to enable it to carry out the purposes of this Plan or otherwise to perform and comply with the obligations and duties under this Agreement.

(e) Metis may employ a custodian or custodians to hold the Plan-Fund (or any part thereof) on such terms as Metis may determine provided that no such appointment will absolve Metis from its obligations under this Agreement or at law. Metis shall cause any such custodian to comply with all the covenants and obligations of Metis under this Agreement. Any fees payable to the custodian will be determined on an arm’s length basis.

(f) Metis may delegate to any person at any time and or any period in any manner and upon any terms, all or any of the trusts, powers, duties, functions and discretions imposed or conferred

upon Metis by this Agreement or at law, including, without limitation, to an investment manager, agent, custodian advisor or other professional or appropriately skilled person, subject only to the limitations contained in section 19B of the Act. Any fees payable to such persons will be determined on an arm’s length basis.

3.2 Where the Plan Owner is more than one individual

(Joint Plan Owner):

(a) If there is more than one Plan Owner, the rights and obligations of the Plan Owners under this Agreement shall be joint and several.

(b) If there is more than one Plan Owner, we shall be entitled in our absolute discretion to treat any one of such Plan Owners as authorized to give us instructions and notices under this Agreement and to accept notices, receive payments and enjoy benefits under this Agreement on behalf of all such Plan Owners, and we shall be entitled in our absolute discretion to comply with the instructions of any one of such Plan Owners notwithstanding any inconsistency in such instructions with those of any of the other Plan Owners. We shall have no liability whatsoever for complying with the instructions or otherwise of any one of the Plan Owners. We shall not be required to confirm with all Plan Owners the legitimacy of any instructions given to us by any one Plan Owner or the authority of any one Plan Owner to act on behalf of all Plan Owners.

(c) Notwithstanding any other provision herein, if there is more than one Plan Owner, the rights to the Plan belong to the Plan Owners as joint tenants with the right of survivorship.

3.3 Assignment

You may transfer your rights under this Plan to someone else. If you wish to assign your rights under this Plan, you must ensure that we receive formal notice of your intention to do so via the submission of a completed form which you may request from us. This form must be sent to us and such change is valid only if the notice is dated and signed by us during the lifetime of the existing Plan Owners and while this Plan is in effect. We will not be responsible for any consequences, liability or loss arising from or in connection with any transfer or appointment hereunder or your failure to notify us in accordance with this Clause.

3.4 Withdrawal

You may make a Withdrawal or Regular Withdrawal from the Plan in accordance with the following Clauses:

(a) Withdrawal can be made at any time while the Plan is in force and no Exit Charge is payable on such Withdrawal provided that the amount of each Withdrawal must not be less than the Minimum Withdrawal per payment amount as stated in the table below and further that after such Withdrawal, the Plan Value must not be less than the Minimum Plan Value in effect at that time.

If you wish to withdraw an amount in excess of the Maximum Partial Withdrawal, this will be regarded as an encashment under Clause 3.5 and therefore subject to the Exit Charge.

Table 3.4: Minimum Withdrawal per payment

Plan Currency

USD/ EUR/AUD

CNY

HKD

JPY

Minimum Withdrawal per payment

5,000

35,000

40,000

550,000

(b) The effective date of any Withdrawal or Regular Withdrawal will be the Valuation Day immediately following the date on which we receive your written instructions requesting such Withdrawal or Regular Withdrawal. We will cancel Units allocated to the Plan using the Bid Price equal to the aggregate value of the withdrawal sum after receipt of the written instructions.

(i) the Assets and the number of Units to be sold; or

(ii)the amount You wish to withdraw; unless otherwise specified Withdrawals will be deducted equally from all Assets held in the Plan Account, or in such manner as we absolutely think fit. Due to the market movement, even if specified, there may be a discrepancy of the withdrawal amount.

(d) Regular withdrawals can be paid by annually, bi-annually, quarterly or monthly. Regular Withdrawals will normally commence one month after we have received your written request. If the Plan Value is less than then Minimum Plan Value after making a Regular Withdrawal on the selected date, then the withdrawal will not be made and Regular Withdrawals will cease.

(e) We will deduct all outstanding charges you owe us and pay out the amount of any Withdrawal or Regular Withdrawal less the Exit Charge (if applicable) as set out in Clause 6.3 in USD within 60 calendar days after the Valuation Day.

(f) As the Plan Owner, you must meet the cost of payment. No interest is payable in respect of the period between the effective date of Withdrawal or Regular Withdrawal and the date of payment.

3.5 Encashment

You may terminate and encash the Plan and obtain the Encashment Value at any time subject to the following provisions:

(a) Any Exit Charge due and any outstanding Plan charges (as imposed by Clause 6), will be deducted from the Plan Value, if Plan is encashed within 60 months of Plan Commencement Date or Subsequent Commencement Date for Additional Contributions.

(b) All Account Units will be encashed using the Bid Price for the corresponding Underlying Assets, after receipt by us of the proper written instructions and proof that you are the person legally entitled to the amounts payable under the Plan.

(c) Once the Encashment Value has been paid, we will not accept any further Contributions nor will we pay any further benefits and the Plan will terminate automatically. You will have no further rights to benefits or options under the Plan.

(d) We will pay out the Encashment Value or Withdrawal sum in USD or upon requested Currency (subject to our absolute discretion) by electronic transfer, within 60 calendar days after the Valuation Day provided we have received the settlement proceeds from the Manager, Issuer or Dealer of the relevant Underlying Assets.

(e) In exceptional circumstances, such as extreme stock market closure or to protect the interests of other Plan Owners, payments from a Plan may be delayed by Xxxxx. In the event that this happens, we will do our best to minimize the delay and keep you informed of the likely length of delay.

(f) As the Plan Owner, you must meet the cost of payment. No interest is payable in respect of Encashment Value whatsoever.

3.6 Plan Maturity

After the Plan Maturity Date, you have following choices:

(a) Keep the Plan at current status:

(i) The Plan will be kept in force as long as the Plan Value exceeds the Minimum Plan Value, otherwise the Plan will be terminated automatically and pay the Encashment Value to you, no reinstatement of the Plan will be allowed.

(ii) All Exit Charges are waived, but Administration Charge and Registration Fee as set out in the Clause 6.2 and Clause 6.4 respectively will continue to apply. You can make a Withdrawal or Encash the Plan at any time.

(iii) You can pay additional contribution into the Plan but subjected to the charges stated in Clause 6.

(b) Encashment

You can elect to cancel your Plan for the Encashment Value. If we receive such written notice from you, we will pay you the Encashment Value of the Plan by selling all Account Units under the Plan at the next Valuation Date after deducting any charges applicable in respect of the Plan and amounts owing to us.

See Clause “3.4 Withdrawal”.

3.7 Protector

(a) The Protector shall initially hold the office of protector of this Plan for the purposes of section 20 of the Act with the powers and functions set out in this Agreement.

(b) The Protector shall be entitled to appoint successor protectors which may be recorded by memorandum to be permanently annexed to this Agreement.

(c) In the event that the Protector becomes insolvent or subject to a winding up order, then that Protector shall be deemed to be removed as Protector and any successor Protector shall assume the role. If there is no successor Protector then the Trustee shall be entitled to appoint a new Protector.

(d) Any provision of this Agreement which requires the consent of the Protector shall require the Protector’s prior written consent on each occasion unless a general form of consent to future actions has been expressly granted.

(e) No person dealing with the Trustee shall be concerned to enquire as to the concurrence or otherwise of the Protector, or be affected by notice of the fact that the Protector may have not concurred.

(f) Notwithstanding the above, the Protector shall have the power to ratify any prior action or inaction of the Trustee in which case the Protector’s consent shall be deemed to have been given on the date of such action or inaction.

(g) Where any provision of this Agreement does not expressly

require the consent of the Protector then no such requirement for consent shall be implied.

3.8 Removal and Appointment of Trustee

(a) The Protector may from time to time by notice in writing remove any Trustee. The Trustee may resign upon giving written notice to the Protector.

(b) The Protector may from time to time by notice in writing appoint any person or persons to be a Trustee, a successor Trustee, an additional Trustee or additional Trustees.

(d) Notwithstanding that a Trustee has resigned or been removed, that Trustee’s powers shall continue to the extent that it may be necessary for the proper vesting of the Plan-Fund in the new Trustee. Subject to Clause 3.10, an outgoing Trustee shall be immediately divested of title to the Plan-Fund which shall automatically vest in the continuing or new Trustee, who is or jointly as the case may be, thereupon irrevocably and automatically granted a power of attorney by the outgoing Trustee to effect the transfer of such property from the outgoing Trustee to the continuing or new Trustee as the case may be.

(e) A Trustee acting in good faith without actual knowledge of his removal shall be indemnified hereunder as a Trustee notwithstanding such removal, and no third party dealing with any Trustee in good faith, shall be bound to enquire as to whether any notice of the removal of that Trustee has been given as aforesaid.

(f) Subject to Clause 3.10 and notwithstanding Clause 3.8(d), the Trustee (and if more than one, each of them) irrevocably further grants the Protector its power of attorney for the purpose of executing any document transferring title of any asset belonging to the Plan-Fund to the new Trustee upon resignation or removal as a Trustee. Subject to Clause 3.10, such power may be exercised by the Protector without prior notice to the Trustee.

(g) On there being any change in Trustee, a memorandum shall be endorsed on or permanently affixed to this Agreement recording the name of the Trustee for the time being. The memorandum shall be signed by the Trustee so named. Anyone dealing with the Plan-Fund or this Agreement shall be entitled to rely upon such memorandum as sufficient evidence that the Trustee named in the memorandum is the duly constituted Trustee for the time being. In the case of there being more than one memorandum, anyone dealing with the Plan-Fund or this Agreement shall be entitled to rely upon the memorandum which is most recent in time.

(h) On the happening of an Event of Jeopardy, or an Event of Duress the Protector shall have the power to remove the Trustee and no power, authority, benefit or discretion granted to a Trustee so removed shall survive the removal. A Trustee removed from office under this clause shall be divested of title to any assets belonging to the Plan-Fund effective immediately on the removal, with such assets being vested in the new Trustee appointed by the Protector pursuant to clause 3.8(a). The determination of the Protector exercising this power as to whether or not an Event of Duress or an Event of Jeopardy has

occurred shall be conclusive and binding on the Beneficiaries of this Trust.

3.9 Liabilities and duties of the Trustee

(a) Notwithstanding section 19A of the Act, the Trustee shall not be liable for any loss or liability to the Plan-Fund or its income, however caused, unless it results from actual fraud or wilful dishonesty by the Trustee, and in particular without limiting the generality of this provision:

(i) the Trustee shall not be liable for any loss or liability howsoever occurring resulting from any act or omission (whether wilfully fraudulent, or dishonest, negligent, in breach of trust or otherwise) of any solicitor, attorney, agent, banker, accountant, auditor, stockbroker, investment advisor, advisor or other agent or power of attorney employed or appointed in good faith by the Trustee, irrespective of whether such person is subsequently found to be unfit or unsuitable for the task appointed to him;

(ii) in the event that there is more than one Trustee, a co-Trustee shall not be liable for any losses or liabilities howsoever occurring resulting from any act or omission whether wilfully fraudulent, dishonest, negligent, in breach of trust or otherwise of any other co-Trustee;

(iii) a successor or additional Trustee shall not be liable or responsible for any act or default of any predecessor Trustee or for any loss or expense resulting from or occasioned by anything done or neglected to be done in the administration of the Plan-Fund prior to becoming a Trustee, nor shall any successor or additional Trustee be required to inquire into or take notice of the prior administration of the Plan-Fund;

(iv) the Trustee shall not be liable for any act or omission to act done with the Protector’s consent, or on the advice, or with the concurrence, of any advisor appointed to the Trust.

(b) The Trustee shall not be under any duty to enquire as to the means or needs of any Beneficiary, whether such Beneficiary is a minor or a person under some disability or otherwise. In the event the Trustee shall have knowledge of such special circumstances, the Trustee shall not be under any duty to take this into account when exercising or not exercising powers under this settlement;

(d) In respect of any company (which term shall for the purpose of this clause include any type of corporate body or partnership entity, including any company, limited liability company, trust, association, limited partnership or any other incorporated or unincorporated body or entity) in which the Trustee holds shares, notes, stock or debentures, irrespective of the position under the applicable law, the Trustee must treat itself and be regarded as having no power to inquire into or intervene in the affairs of any such company, and shall have no duty to become a director or officer of any such company, nor to seek information about the affairs of such company (whatever the character of the business of such company and even though the business of such company may be of a speculative character), unless it comes to the Trustee’s actual knowledge that the affairs of the company are being run dishonestly or by a person suffering from mental incapacity, so that the Trustee is

entitled and bound to assume that the affairs of the company are being run honestly and competently and by a person of full capacity until the contrary comes to the Trustee’s actual knowledge.

3.10 Indemnity

(a) The Trustee and any person who has ceased to be a Trustee shall be indemnified out of the assets of the Plan-Fund (and shall be entitled to a lien on the Plan-Fund for such indemnity) other than in relation to circumstances in which a Trustee or former Trustee is not protected by Clause 3.9 above. Specifically, the Trustee shall be indemnified for any liability, including costs and expenses, incurred in the exercise or purported exercise of their duties and powers as trustee, including by not limited to;

(i) any costs and expenses incurred, and remuneration or professional fees and charges payable as trustee, in defending or bringing any proceedings in any way related to the Plan-Fund, whether civil or criminal, including any proceedings brought against the Trustee personally or for breach of trust (other than in respect of any action for which the trustee is held liable for actual fraud or wilful dishonesty);

(ii) any claims, losses, death duties, taxes or other impositions arising in connection with the Plan-Fund or any part thereof;

(iii) any loss or liability arising from establishing and administering the Plan-Fund, accepting trusteeship of the Plan-Fund, or accepting any assets into the Plan-Fund, including without limitation, all reimbursement of costs and expenses, and remuneration as trustee at the agreed rates for all attendances; or

(iv) in respect of any loss or liability which the Trustee may sustain or incur by reason of their so carrying on any business or businesses on behalf of or for the benefit of the Plan-Fund.

(b) An outgoing Trustee shall forthwith upon his resignation or removal be entitled to receive an indemnity and release in a form satisfactory to the outgoing Trustee from continuing or new Trustees and where required by the outgoing Trustee, from any or all Beneficiaries, together with security therefor where the Trustee has exposure to taxes or like charges, together with payment of all remuneration and fees owing to the outgoing Trustee including those relating to the termination of the outgoing Trustee’s appointment.

(c) The Trustee shall have a lien on all documents relating to the Plan-Fund in its possession and shall not be required to give possession of these nor to take any other action until satisfaction is made of its entitlements under this clause.

(d) Where a claim against a Trustee or former Trustee arises from circumstances where any asset included in the Plan-Fund is found not to have been properly transferred into the Plan-Fund, or if properly transferred such transfer is subsequently avoided and the Trustee has already exercised any of the powers set out in this Deed in relation to that property in favour of any Beneficiary, then the Trustee or former Trustee may require such Beneficiary to indemnify him to the extent of the value of the benefit received by such Beneficiary in accordance with the terms of Clause 3.10(a) in addition to or in substitution for any other rights of indemnification contained herein.

3.11 Transmission

(a) In the event of the death of a Plan Owner, the survivor or survivors where the deceased was a joint Plan Owner, or the executors or administrators of the deceased Plan Owner where he or she was a sole Plan Owner, shall be the only persons recognized by Xxxxx as having any beneficial title or interest under this Agreement.

(b) Any person becoming entitled to the beneficial interest of a deceased Plan Owner under this Agreement may, upon producing such evidence as Metis shall think (in its sole discretion) sufficient to establish that person’s entitlement, be registered as the Plan Owner.

(c) Upon registration of the new Plan Owner as noted above, all rights, benefits and obligations of the Plan Owner shall be deemed to be transferred to that new Plan Owner.

4. BENEFIT CLAUSES

4.1 Loyalty Bonus

A bonus as stated in the Plan Schedule (“Loyalty Bonus”) may be awarded in accordance with this Clause for any Plan with an average account value equal to or being more than USD100,000.

The Loyalty Bonus will be forfeited if your Plan is cancelled or terminated before the Loyalty Bonus is awarded to your Plan. Awarded Loyalty Bonus will not be forfeited by reason of cancellation or termination your Plan.

5. CONTRIBUTION CLAUSES

5.1 Minimum Contribution Amount

The Initial Contribution is contributed at the outset. Additional Contributions can be contributed at any time during the life of the Plan. The minimum amounts as shown in Table 5.1 for Initial Contribution and Additional Contribution must be paid, and there is no maximum amount of Contribution but we reserve the right to prescribe a limit. All payments must be made into our Holding Account opened with a custodian bank. We reserve the right to change the minimum Contribution amount from time to time to reflect the inflation and operation cost.

Table5.1: Minimum Amount of Initial Contribution and Additional Contribution Amount

Currency

USD/

EUR/AUD

CNY

HKD

JPY

Initial Contribution Amount

40,000

280,000

320,000

4,400,000

Additional Contribution Amount

5,000

35,000

40,000

550,000

5.2 Allocation to your Plan

(a) The Initial Contribution and Additional Contributions (if any), will be 100% used for the allocation of Units according to your Asset Choice allocation instruction on the next Valuation Day following the later of the day upon which:

(i) your Contributions become cleared funds as confirmed by our bank; or

(ii)our internal processing of your application is completed.

Where it is not possible for us to invest in an Underlying Asset immediately, the relevant proportion of the Contribution amount will be held in the relevant Holding Account until the next Valuation Day.

(b) The Asset Choices allocation to any Asset is subject to the minimum allocation and our administrative rules in effect at that time. Currently the minimum allocation amounts are as shown in the following table:

Table 5.2: Minimum Allocation Amount for each Underlying Asset

Currency	USD/EUR/AUD	CNY	HKD	JPY
Amount	1,000	7,000	8,000	110,000

(c) The Product Choices allocation to any Structured Product is subject to the minimum allocation as applicable from time to time.

(d) The Commodity Choice allocation to any Commodity is subject to the minimum allocation as applicable from time to time.

5.3 Payment Method

Depending on the Contribution Currency, payment methods are determined by us at the time of processing and set out in our application documents provided to you. The cost of payment must be met by you.

6. CHARGES

There are charges payable to us for us to provide and administer the Plan. These charges are paid by cancelling Units to be allocated equal in value to the charges that are required to be paid under this Plan. Units will be cancelled from the Underlying Asset of Asset Choices you have selected in proportion to the total bid value of the Units allocated.

6.1 Establishment Charge

(a) The current establishment charge is 0.5% of the Contribution per quarter for the first five years from the respective Contribution Commencement Date. Twenty such establishment charges apply to each Initial Contribution and Additional Contributions respectively. Such charge shall be taken by cancelling Units at quarter. This charge is applied using the initial purchased price at which the Units were being purchased. Units will be cancelled from all the Asset Choices selected by you in proportion to their Values.

(b) The establishment charges will apply in advance based on the units purchased by the Contribution amounts originally received disregarding any Withdrawal or Regular Withdrawal payments previously made. If there is any unsettle transaction, the establishment charge will be levied after all outstanding transactions have been settled.

6.2 Administration Charge

(a)The current administration charge is charged on the value of the Plan Account as at the due date, and payable monthly until the termination of the Plan. The fee shall be paid by cancelling the Units to be allocated for the Plan Account. Please refer to the Plan Schedule for the details of the Administration Charge.

(b) When the Plan is cancelled or terminated, we deduct a proportion of the charge, calculated on a daily basis from the last Plan Date.

6.3 Exit Charge

(a) The Exit Charge applies to Initial Contribution and Additional Contributions, and will be levied in respect of the first five years from the Plan Commencement Date after Encashment or Withdrawal, or if the Plan Value at any time is less than the Minimum Plan Value. The amount of the charge varies depending on how soon after allocation of the relevant Contributions you withdraw from your Plan.

(b) The Exit Charge is determined in accordance with the following table and there will be no Exit Charge after 60 months from the Plan Commencement Date has elapsed.

(d) The base of calculation of Exit Charge is the amount of each Contribution or the Plan Value of Units purchased by each Contribution whichever is higher.

(e) The Exit Charge shall be paid by cancelling the Units to be allocated for the Plan Account.

Table 6.3: Exit Charge Rate

Holding Period per Contribution	Exit Charge Rate %	Holding Period per contribution	Exit Charge Rate %	Holding Period per Contribution	Exit Charge Rate %
1 month	10.0000	21 month	6.6680	41 month	3.3360
2 month	9.8334	22 month	6.5014	42 month	3.1694
3 month	9.6668	23 month	6.3348	43 month	3.0028
4 month	9.5002	24 month	6.1682	44 month	2.8362
5 month	9.3336	25 month	6.0016	45 month	2.6696
6 month	9.1670	26 month	5.8350	46 month	2.5030
7 month	9.0004	27 month	5.6684	47 month	2.3364
8 month	8.8338	28 month	5.5018	48 month	2.1698
9 month	8.6672	29 month	5.3352	49 month	2.0032
10 month	8.5006	30 month	5.1686	50 month	1.8366
11 month	8.3340	31 month	5.0020	51 month	1.6700
12 month	8.1674	32 month	4.8354	52 month	1.5034
13 month	8.0008	33 month	4.6688	53 month	1.3368
14 month	7.8342	34 month	4.5022	54 month	1.1702
15 month	7.6676	35 month	4.3356	55 month	1.0036
16 month	7.5010	36 month	4.1690	56 month	0.8370
17 month	7.3344	37 month	4.0024	57 month	0.6704
18 month	7.1678	38 month	3.8358	58 month	0.5038
19 month	7.0012	39 month	3.6692	59 month	0.3372
20 month	6.8346	40 month	3.5026	60 month	0.1706

6.4 Registration Fee

USD 540 Fee shall be paid at the Commencement Date of the Plan. This fee shall be deducted from the Initial Contribution before the allocation of contribution to Asset.

USD 9 per month shall be paid from the 6th year onwards if the Assets are still kept in the Plan. The fee will be deducted in each month by cancelling the Units to be allocated for the Plan Account. This Fee is payable until this Plan is terminated. If the total asset in the Plan is over USD 250,000 on the date before the fee deduction, this Fee will be waived in that month. Please refer to the Plan Schedule for the details of Registration Fee.

Metis reserves the right to adjust this fee with 3 months’ notice in advance to You.

6.5 Switching Fee

There is currently no switching fee for changing Asset Choices. However, we reserve the right to introduce and revise this from time to time. We will not impose a switching fee in the event of an involuntary investment switch where we close a relevant Fund or terminate of a Structured Product.

6.6 Charges within the Underlying Asset

Underlying Asset charges are dependent on Asset Choice and corresponding Underlying Asset and based on the range of Underlying Assets available in our International Asset Selection. For further information please refer to the individual Underlying Asset prospectus, brochure or term sheet published or issued by the Fund Manager or Issuer (as the case may be) or Dealer, available from your Financial Adviser.

6.6.1 Annual Management or Storage Charge

The charge is determined by the Underlying Fund Managers and Underlying Product Issuers and Underlying Commodity Dealers and may be varied from time to time. For Underlying Fund and Underlying Product, this charge is deducted by the Fund Manager and Product Issuer directly from the Underlying Asset and is reflected in the relevant Unit prices so you are not required to separately pay this charge. For Underlying Commodity, you may be required to pay this charge separately.

6.6.2 Bid-Offer Spread

The ‘offer price’ is the price you pay for a Unit to be allocated to your Plan. The ‘bid price’ is the price at which we cancel a Unit from your Plan.

The difference between the offer price and bid price in a Fund or Structured Product or Commodity is the bid-offer spread which is effectively a charge which you pay to the Underlying Fund Manager or Underlying Product Issuer or the Underlying Commodity Dealer, the spread will vary among different Funds and Structured Products and Commodity.

(a) Currently for all Funds in the International Asset Selection the Bid-Offer spread is nil, details of each Underlying Fund under this Plan can be found from prospectus of the Underlying Fund. However, there may be Bid-Offer spread for the Structured Products and Commodity and the actual charges will be subjected to the announcement of the product details of each Structured Product or Commodity Dealer.

(b) We reserve the right to charge a Bid-Offer Spread which reflects

the redemption charge applied by the corresponding Underlying Fund Managers or Underlying Product Issuers or Underlying Commodity Dealer when they amend their charging structure.

6.6.3 Early Redemption Charge

The charge is determined by the Underlying Fund Managers or Underlying Product Issuer or Underlying Commodity Dealer and may be varied from different Funds or Structured Products or Commodity. The charge may be applied when you redeem the Underlying Assets earlier than the maturity or required holding period of the assets. Please refer to the fact sheet of product information of each Fund or Structured Product or Commodity published by the Underlying Fund Managers, Underlying Product Issuer or Underlying Commodity Dealer or Metis for details.

6.7 Portfolio Management Fee (if Applicable)

(a) If you choose to appoint a Portfolio Manager there may be a Portfolio Management fee, this fee ranges from 0% to 2% per annum of the value of the Plan Account. The fee is optional and is to be agreed between you and your appointed third party Portfolio Manager. You will be responsible for the payment of this fee.

(b) If applicable it will be deducted on a monthly basis from the Plan Account by canceling the appropriate number of Units at the available Bid Price on next Valuation Day of Plan Month in proportion to the value of the Assets.

6.8 Currency Exchange Charge (if Applicable) See Clause 2.3 above.

6.9 Other charges (if Applicable)

Any fees or transmission charges otherwise incurred as a result of or in respect of the Plan will be paid by cancellation of Units.

6.10 Revision of Charges

We reserve the right to vary the Plan fees and charges or impose new fees and charges by giving You not less than three months’ prior written notice, or such other period of notice in compliance with the relevant regulatory requirements.

7. Asset Clauses

Metis makes available a number of investment funds and Structured Products and Commodity for your Asset Choices. A list of the investment funds and Structured Products and Commodity currently available is shown in our International Asset Selection and such list is subject to amendment by us from time to time.

The risks relating to your investment decisions and any change in market value of the Plan are borne by You. You are advised to take due and careful consideration of those decisions and obtain the independent advice which You may consider necessary in entering into this Agreement and making decisions under the Plan.

If we provide you with any information that may be relevant to any of the funds and Structured Products and Commodity, such information is given on the basis that we will not be responsible for any loss that you may suffer or incur as a result of or in connection with such information whatsoever.

You may have unlimited Asset Choices for your Plan and may also make partial asset switching. However, the amount to be allocated in relation to each Asset Choice within a Plan must be equal to or more than the minimum limit for each Underlying Asset we request as table 5.2 and the Clause 5.2(b). There may be further dealing restrictions on Structured Products or Commodity which will be notified to You by Metis from time to time.

If any Asset is valued in a currency other than the Plan Currency, its value will be converted into the Plan Currency at a rate determined by Metis, based on those commercially available in the market.

7.1 Underlying Assets

Each of your Asset Choices has a corresponding Underlying Asset. Whilst we may provide information relating to the investment object, dealing day, intended investment and investment restrictions, duties and charges, we will not be responsible for any investment performance.

Metis will purchase, hold or sell, or do so through a nominee, Units in your Plan Account as trustee for and on your behalf in compliance with your Asset Choice and it is agreed that Metis is acting as principal in this regard. You understand that the Units will be registered in the name of Metis or a nominee designated by Xxxxx.

For the purpose of valuation of this Plan, the allocation of Units of an Asset to reflect the Asset Choices of this Plan is notional.

The return on your Asset Choice may be lower than the return on the Underlying Assets due to charges in respect of the Plan.

Your individual Notional Unit holding can be separately identifiable under your Plan record on the Metis administration system. You can at any time request a valuation of these Notional Units, which will be based on the latest available Unit price provided by the manager of the Underlying Fund or the Issuer of the Structured Products or the Dealers of the Commodity.

7.2 Units

Notwithstanding any other provision of this Agreement, we shall not be held responsible for any delay or failure to purchase or dispose of any Units for the Plan if the failure or delay is due to or caused by events or circumstances beyond our control including, without limit, public holidays in the places in which our custodian Bank or any of the Funds or their Fund Managers or the Issuers of the Structured Products or the Dealer of the Commodity are based.

A transaction request on Assets received by Metis at or before the cut-off time on a business day will be processed according to the Unit Prices of the Underlying Assets and Exchange Rates

prevailing on the next appropriate Valuation Date following the date Metis accepts the request (T+1). Any transaction request received after the cut-off time on any day will be processed as if the transaction request was received by Metis on the next business day. We have the right to change the cut-off time at any time at our discretion.

7.2.1 Allocation of Units

Amounts are added to your Plan Account Value in respect of each Asset by the creation of additional Units in respect of that Asset to reflect the amount of your Asset Choices allocated to that Asset.

The number of Units will be calculated at the Offer Price of the Underlying Asset at the next appropriate Valuation Day or using the prices available as soon as reasonably practicable may be obtained from or published by Metis, and such Units to be created:

(a) in the case of new Asset Choices being allocated, by dividing the Asset Choices allocated to such Asset;

(b) in the case of Asset Switch, by dividing the amount of the Asset Switch to such Asset.

7.2.2 Cancellation of Units

The charges and amounts payable under this Plan are paid by cancelling Units to be allocated equal in value to the charges that are required to be paid under this Plan. Units will be cancelled from the Underlying Asset of Asset Choices you have selected in proportion to the total bid value of the Units allocated.

7.3 Asset Switch

While this Plan is in effect, you may apply to switch Units from any Underlying Asset on the Plan Account to another Underlying Asset listed in the International Asset Selection. You may only be permitted to switch out but not in Structured Products subject to the dealing rules of each series of Structured Products. Please refer to the dealing guidelines for Structured Products notified to You by Xxxxx from time to time. You may only be permitted to switch Commodity subject to the rules of the Dealers of the Commodity. Please refer to the dealing guidelines for Commodity notified to You by Xxxxx from time to time. You may make any number of switches provided that the amount to be allocated on each Contribution in relation to each Asset Choice within a Plan must be equal to or more than the minimum limit as shown in Table 5.2 above and following Clauses:

(a) We only accept for whole number of percentage for each switching instruction.

(b) Following a switch, future Contributions will continue to be allocated corresponding to your original Asset Choices unless otherwise instructed.

(c) In the event that the Account Units representing one Asset Choice are switched to Units representing another Asset Choice, the relevant charge due to be paid by the old Units are paid by the newly created Units instead.

(d) If the Units to be sold are denominated in a different currency to the Units to be purchased, We will convert the sale proceeds into the currency of the Asset in which Units are to be purchased at the Exchange Rates prevailing at the time of

conversion before purchasing the relevant Units.

(e) The Asset Choice switching will also be subject to any other administrative rules determined by Metis from time to time.

(f) We may, upon giving You not less than three months’ notice or such shorter period of notice, impose a charge for Asset Switches and/or limit the number of Asset Switches. However, we will not impose this fee in the event of an involuntary Asset Switch where we close a relevant Fund or terminate or cease to subscribe for a Structured Product or cease to own a Commodity.

7.4 Holding Account

Metis maintains a non-interest bearing Holding Account to hold monies temporarily where it is not possible to invest new Contributions and switch proceeds immediately into the target Asset Choice, due to dealing frequency or time lag between Asset Switching. We will use reasonable endeavors to allocate the relevant Units to the Plan Account as soon as possible. The Holding Account is under custody by our custodian Bank.

7.5 Dividend

In the event that a dividend is paid out of an Asset, we may calculate the amount which you are entitled to and distribute the dividend to you in a way at our absolute discretion. Subject to the immediately preceding sentence, the dividend will normally be applied to the relevant Asset Choices within one month of declaration of the dividend amount.

If this Plan is terminated between the dividend declaration and payment dates, only dividends payments of more than USD100/ EUR100 / AUD100 / CNY700 / HKD800 / JPY10,000 will be paid to you.

7.6 Temporary Suspension of determination of unit price

Metis may in its sole discretion suspend the purchase, sale or valuation of the Units under the following circumstances:

(a) when dealings in any Underlying Assets have been suspended;

(b) when any of the recognized stock exchanges or markets on which the Unit Prices are quoted is closed (other than during the normal closing hours or days) or has restricted dealings;

(c) when the Fund Manager managing any Fund or the Issuer of a Structured Product or the Dealer of Commodity is unable to repatriate money, or considers that any transfer of money for purposes of completing the purchase or sale of Units under the Plan is not possible at normal exchange rates;

(d) the remittance or repatriation of proceeds which will or may be involved in the realization of any investment or assets, or the cancellation of Units is delayed or cannot, in the opinion of Xxxxx, be carried out promptly at normal rates of exchange.

(e) when an instruction to purchase or sell is not given according to the terms of the Plan; and/or

(f) any other circumstances under which calculation of fair and accurate Unit Prices is not possible.

7.7 Asset Closure/Merge/Division

(a) We may at any time close or cease to offer an Asset, or cease to effect the allocation of Units to any Assets or any Asset Switch to any Asset, for example, if:

(i) the Asset ceases to be quoted on a recognized stock exchange or market or otherwise becomes closed to further investments; and/or

(ii)the Asset is closed, merged or divided or terminated by Underlying Fund Manager or Issuer or Dealer in his discretion due to any change in circumstances, laws, regulations, government policies, currency or capital controls, political developments, restrictions in foreign investments, or that the investment plan or objective of the Asset is hard to approach or the Asset size lower than the minimum required as shown in the prospectus, brochure or the product term sheet (as the case may be); or

(iii)Metis’s investment in any of the Assets falls below a level to make administration of such Asset economical. Before we take any action as permitted by Clause 7.7(a), we will give you not less than one months’ prior written notice or such other shorter period of notice (if we do not consider that it is practical to give one month notice). In such event, we may transfer all Units in an Asset to another Asset having the same or similar investment objectives (if possible) at our absolute discretion.

(b) Where an Asset is, or is to be, closed, merged or divided or terminated, we will notify you as soon as practicable by a notice in writing (“Closure Notice”). If the Units are redeemed before or upon we sending you the Closure Notice, the proceeds will be kept in the Holding Account. Upon receipt of the Closure Notice, you may provide written instruction to us within the period stated in the Closure Notice and on receiving such timely instruction from you, we will utilize the proceeds from redemption to purchase Units in other Assets in accordance with your written instructions.

(c) If you do not instruct us within the period stated in the Closure Notice, we may purchase Units in one or more alternative Assets which we will select on your behalf as specified in the notice. If the purchase of Units in one or more alternative Assets is not possible or is, in our opinion, to your disadvantage, we will keep the proceeds from redemption in the Holding Account.

(d) The purchase and sale of Units under the Plan will be based on the Unit Price of the respective Assets.

(e) If your existing instruction for the allocation of Asset Choices includes any allocation to an Asset which we have closed or ended, or shall close or end, when you make any Additional Contribution, you must change your instruction to exclude such Asset; otherwise, we will allocate your Asset Choices to such other Assets as we consider, in our absolute discretion, appropriate.

(f) If any Asset under this Plan is, or is to be, closed, merged or divided or terminated, you may request an Asset Switch from that Asset to another Asset. If we do not receive such a request before the expiry of the Closure Notice in respect of that Asset, we may make an Asset Switch to such other Asset as we consider, in our absolute discretion, appropriate as if we had

received your request to do so and any such Asset Switch shall be final but we shall not be obliged to make any such Asset Switch.

8. FATCA

Under the U.S. Foreign Account Tax Compliance Act, or FATCA, all non-United States entities in a broadly defined class of financial institutions (FIs), are required to comply with an expansive documentation and reporting regime, or, beginning from July 1, 2014, be subject to a 30% United States withholding tax on certain

U.S. payments constituting "withholdable payments" (beginning in 2017, a 30% withholding tax applies to gross proceeds from the sale of assets which could produce withholdable payments and foreign passthru payments). Certain passive non-U.S. entities which are not FIs are required to either certify they have no substantial U.S. beneficial ownership or report certain information with respect to their substantial U.S. beneficial ownership, or, beginning from July 1, 2014, become subject to the same 30% U.S. withholding tax as described above. The reporting obligations imposed under FATCA generally require FIs to obtain and disclose information about certain Customers to the United States Internal Revenue Service (IRS).

The impact of FATCA on FIs in a specific country may be modified by an intergovernmental agreement (IGA) between the United States and that country. The United States has not currently entered into an IGA with the Cook Islands. However, Metis has registered as reporting FI in respect to FATCA. Metis is obligated to apply prescribed due diligence procedures, and report “U.S. Accounts” and account information with respect to “Nonparticipating Foreign Financial Institutions (FFI)” to the IRS.

You may be requested to provide a self-certification or other documentation to Metis in order to establish their tax residence. Furthermore, if there is any change in circumstances that would affect your tax residence statuses or there is reason for us to know that the self-certification is incorrect or unreliable, a new self-certification and/or additional documentation may be required from you.

In order to comply with FATCA and in accordance with any local or foreign law, legislation or regulation and/or to satisfy the Metis’s Reporting Obligations, Metis may gather, store, use, process, disclose and report to any such Tax Authority any Personal Information that provides to us.

Metis reserves the right to request and you have the obligation to provide to us additional documentary evidence to validate the U.S. or non-U.S. status for FATCA purposes by us during the course of relationship.

If you fail to provide Metis with any of the necessary information or to take action as is specified by us in the Application Form or related documents provided by Metis within the time period specified, we shall be entitled to reach whatever conclusions we consider to be appropriate and we reserve the right to terminate the

your Plan or classify the Plan as "non-consenting" or "non-participating FFI" or execute withholding and reporting under FATCA regulations.

It is agreed and appropriate for Metis or our subsidiaries/affiliates to collect any information related to the application and processing of this Plan. It is further agreed to the sharing of the above information, together with any other information collected by us in respect of this Plan, with its subsidiaries/affiliates and also with the relevant government/tax authorities, based on the relevant tax requirements and subject to all applicable laws and regulations. The above process together with the related data processes may involve a transfer of information outside the Cook Islands and may also involve the transfer of data through intermediaries, service providers, counterparties or government bodies/ authorities. If a payee or any third party information is involved in any of the transfer, you have to obtain all necessary consent from all such relevant parties in providing the above.

9. Other Provisions

Metis shall not be liable for losses of any kind which may be incurred by you as a result of or in respect of the provision of this Plan by Metis in accordance your instructions or this Agreement unless due to the negligence or willful default of Metis or any other person appointed or employed by it.

You shall indemnify Metis and any person appointed or employed by it against all claims, liabilities, damages, losses, costs and expenses of any kind which may be incurred by any of them and all actions or proceedings which may be brought by or against any of them in connection with the provision of this Plan and / or as a result of any default by you in the performance of this Agreement unless due to the negligence or willful default of Metis or any other person appointed or employed by it; and this indemnity shall continue despite the termination of this Agreement.

Any information provided by Metis Global (Cook Islands) Limited should not be construed as an offering or solicitation to sell in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction. Neither this Plan nor any information contained herein has been reviewed, approved by or registered with any regulatory authority in any jurisdiction.

You understand that Metis Global (Cook Islands) Limited does not operate in Hong Kong although documents may be sent to the Hong Kong office of its related companies.

Eligibility for the participation in this Plan is subject to final determination and acceptance by us.

Materials on these pages are not intended for use by persons in jurisdictions which restrict the distribution of these materials. Persons accessing these pages are required to inform themselves about and the applicable laws and regulations of your jurisdiction allow you to access the information and take part in the Plan.

Investment involves risk and the offering documents relating to the Assets should be read for further details. The price of units or shares and the income from them may go down as well as up and any past performance figures shown are not indicative of future performance. Any information provided by Metis Global (Cook Islands) Limited is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary. We make no representation and accept no responsibility as to its accuracy or completeness and shall not be held liable for damages arising out of any person's observe any relevant restrictions. By entering into the Plan, you are representing and warranting that you are not resident in Cook Islands or Hong Kong reliance upon any information provided by us.

Any prices quoted are for reference only and are subject to change without notice.

Investment decision is yours. If you are not sure of the suitability and the investment objectives of the Plan, you should not subscribe to it.

Some of the Assets may involve derivatives. Do not invest in them unless you fully understand and are willing to assume the risks associated with them.

In the worst case scenario, the value of the Assets may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).

10. Residual Beneficiaries

10.1 A Plan Owner shall be entitled at any time, and from time to time, to nominate another person or persons as a Residual Beneficiary, by notice in writing delivered to Metis. In the event that such a nomination has been made then the following provisions shall apply:

(a) If an act of bankruptcy or insolvency event occurs which affects the Plan Owner; or where any foreign government, court or third person expropriates or attempts to appropriate any beneficial interest of the Plan Owner under this Plan; then the beneficial interest of the Plan Owner shall automatically vest in the Residual Beneficiary; or

(b) If a Plan Owner purports to assign, alienate or charge his or her beneficial interest under this Agreement to an Excluded Beneficiary; or the Plan Owner becomes subject to an order appointing a guardian or administrator of his or her property (for any period and with any limited powers) on the basis of mental or physical ability; or circumstances occur where any beneficial interest would become vested in or payable to some other person; then Metis (or any successor Trustee) may declare the rights of a Plan Owner to be vested in the Residual Beneficiary for such time as Metis determines in its sole discretion; or

(c) If a Plan Owner, by notice in writing to Metis, disclaims any benefit available to him or her; or declares that he or she is an Excluded Beneficiary; then Metis (or any successor Trustee)

may declare the rights of the Plan Owner to be vested in the Residual Beneficiary for such time as Metis determines in its sole discretion.

10.2 Where, in the opinion of Xxxxx, the event (which has triggered the actions specified above) has passed, Xxxxx may declare that the beneficial interest of the Plan Owner shall be restored to the Plan Owner.

10.3 Where there is more than one Residual Beneficiary then any vesting of the beneficial interest in the Residual Beneficiary shall be to those persons in the manner and proportions specified by the Plan Owner in the notice nominating the Residual Beneficiary, or if not specified, then pro rated in equal shares between all persons so stated.

11. Compulsion

Notwithstanding any other provision of this Agreement in the event that any right power or discretion vested in or reserved to any person is in the bona fide opinion of the Trustee holding office immediately prior to the exercise or purported exercise of such right, power or discretion:

(a) exercised or omitted to be exercised by that person under duress or influence of an outside force, or by compulsion;

(b) not in the Trustee’s opinion voluntary in nature;

(d) instigated by any directive, order, ruling or like decree of any court, tribunal or administrative body, or by bankruptcy-in-trustee, official assignee, or any other similar appointee or person; or

(e) otherwise involuntary in nature;

and such exercise or failure thereof is not in the opinion of the Trustee for the benefit of the Plan Owner immediately prior to such exercise or failure to exercise, then such exercise or failure to exercise shall be deemed to be invalid and of no effect.

= End of Plan Terms and Conditions =

Document Metadata

Table of Contents

單筆供款信託協議 –「明曜」〔“Sparkle”〕

Document Metadata

單筆供款信託協議 –「明曜」 〔“Sparkle”〕

單筆供款信託協議 –「明曜」 〔“Sparkle”〕

條款及細則

聯絡詳情

1. 定義及釋義

2. 一般條款

3. 擁有權條款

4. 利益條款

5. 供款條款

6. 費用條款

7. 資產條款

8. 海外賬戶稅收遵從法 (“FATCA”)

9. 其他條文

10. 臨時受益人

11. 強制性條款

Single Contribution Plan and Trust Agreement – Sparkle

Terms and Conditions

Contact Details

2. GENERAL CLAUSES

3. OWNERSHIP CLAUSES

4. BENEFIT CLAUSES

5. CONTRIBUTION CLAUSES

6. CHARGES

7. Asset Clauses

8. FATCA

9. Other Provisions

10. Residual Beneficiaries

11. Compulsion

Document Metadata

單筆供款信託協議 –「明曜」〔“Sparkle”〕

單筆供款信託協議 –「明曜」〔“Sparkle”〕