PROMISELAND INDEPENDENT

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1 FA Disclosure PROMISELAND INDEPENDENT Trusted Advice, Trusted Advisers

2 PROMISELAND INDEPENDENT Financial Advisory Disclosure PromiseLand Independent Pte Ltd is one of the leading licensed financial adviser firms in Singapore. We operate as an independent financial planning and financial advisory company. PromiseLand is licensed to advise and distribute life insurance products and unit trusts and is an exempt broker for general insurance. Our financial planners who provide financial planning for fees would inform you of the fee structure which is on a case-tocase basis. Our advisers are remunerated by commissions from the product providers should you decide to purchase products. The commissions that our advisers receive may differ between the different product providers and between types of products. We have a selection criteria for life insurance products and another set of criteria for unit trusts. We do regular product comparisons. Our planners and advisers are trained and supported by qualified managers and specialists. Our management team comprises highly qualified and experienced industry leaders well-known for their commitment to professional excellence and holistic values. We assure you of objective and professional advice and service to enhance your financial freedom. In line with MAS guidelines on Fair Dealing outcomes, we are committed to treating our clients fairly. Disclaimer: - The following list of product providers is accurate as at 19 October Changes may take place because of business considerations or changes in regulations (Licence Number FA )

3 PRODUCT PROVIDERS SUPPORTING PROMISELAND LIFE INSURANCE PERSONAL INSURANCE American International Assurance Company Limited AVIVA Ltd AXA Life Insurance Singapore Private Limited Generali International Limited, Singapore Branch Friends Provident International Ltd HSBC Insurance (Singapore) Pte Limited Manulife (Singapore) Private Limited NTUC Income Insurance Co-Operative Limited Royal Skandia Life Assurance Limited Tokio Marine Life Insurance Singapore Ltd Transamerica Life Bermuda Ltd Zurich International Life Limited GROUP INSURANCE Aetna Insurance (Singapore) Pte Ltd American International Assurance Company Limited AVIVA Ltd AXA Insurance Singapore Pte Ltd CIGNA Europe Insurance Company (Singapore Branch) Great Eastern Life Assurance Company Limited HSBC Insurance (Singapore) Pte Limited InterGlobal Insurance Company Ltd Liberty Insurance Pte Ltd NTUC Income Insurance Co-operative Limited Raffles Health Insurance Pte Ltd Swiss Life (Singapore) Pte Ltd Tokio Marine Life Insurance Singapore Ltd GENERAL INSURANCE ACE Insurance Limited Allianz Global Corporate & Specialty AG Singapore Branch Chartis Singapore Insurance Pte Ltd AXA Insurance Singapore Pte Ltd China Taiping Insurance (Singapore) Pte Ltd Coface Singapore ECICS Limited EQ Insurance Company Limited Etiqa Insurance Berhad Euler Hermes Credit Insurance Agency (S) Pte Ltd Federal Insurance Company First Capital Insurance Ltd Groupama Transport Singapore Branch HSBC Insurance (S) Pte Ltd India International Insurance Pte Ltd

4 PRODUCT PROVIDERS SUPPORTING PROMISELAND (cont d) Liberty Insurance Pte Ltd Liberty International Underwriters Lloyd s Asia Pte Ltd Lonpac Insurance Berhad MSIG Insurance (Singapore) Pte Ltd NTUC Income Insurance Co-operative Ltd Overseas Assurance Corporation Ltd QBE Insurance (International) Ltd Royal & Sun Alliance Insurance plc SHC Capital Ltd Shipowners Asia Pte Ltd Sompo Japan Insurance (Singapore) Pte Ltd Tenet Insurance Company Ltd Tokio Marine Insurance Singapore Ltd United Overseas Insurance Ltd Zurich Insurance Company (Singapore Branch) We are also able to place business with other general insurance companies with letters of appointment from clients. GLOBAL HEALTH PLAN PROVIDERS Aetna Insurance (Singapore) Pte Ltd AVIVA Ltd AXA Life Insurance Singapore Private Limited Chartis Singapore Insurance Pte Ltd CIGNA Europe Insurance Company (Singapore Branch) The Great Eastern Life Assurance Company Limited Henner GMC (Tokio Marine Life Insurance Singapore Ltd) InterGlobal Insurance Company Limited (Singapore Branch) Liberty Insurance Pte Ltd MSIG Insurance (Singapore) Pte Ltd Raffles Health Insurance Pte Ltd UNIT TRUSTS The majority of the fund managers We have appointed ifast Financial Pte Ltd and Navigator Investment Services Limited to provide support for our unit trust sales. DISTRIBUTOR AGREEMENTS Consulting Strategies S.A. (Castlestone Management) Friends Provident International Generali International Jupiter Asset Management (Bermuda) Limited

5 PRODUCT PROVIDERS SUPPORTING PROMISELAND (cont d) Kotak Mahindra (UK) Ltd (Singapore Branch) LM Investment Management Limited MAN Investments Prestige Asset Management Ltd Royal Skandia International SFM Group International S.A. / World Investment Opportunities Funds SHK Fund Management The Premier Group (Isle of Man) Limited The Synergy Partnership VAM Marketing Limited INTRODUCER AGREEMENTS BNP Privalto Commerzbank Corporates & Markets Exane Derivatives Société Générale TMF Group (Formerly Equity Trust) BANKS (FOR LOANS AND SELECTED PRODUCTS) REFERRAL BASIS ANZ Banking Group Limited CIMB Bank Berhad Citibank Singapore Ltd DBS Bank Ltd HSBC Ltd Lloyds TSB Bank plc OCBC Bank Standard Chartered Bank United Overseas Bank Limited BANKS (BUSINESS / COMMERCIAL LOANS) DBS Bank Ltd, Enterprise Banking OCBC Bank, Enterprise Banking

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