Life Insurance

Important Notes：

• The above plans are underwritten by either FWD Life Insurance Company (Bermuda) Limited or China Taiping Life Insurance (Hong Kong) Company Limited (the "Insurance company").

• Nanyang Commerical Bank, Limited ("The Bank") is an appointed insurance agent of the Insurance company. The Bank is granted insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong. (Insurance agency licence no. of NCB is FA3003)

• FWD Life Insurance Company (Bermuda) Limited         China Taiping Life Insurance (Hong Kong) Company Limited

• The Insurance company is authorised and regulated by the Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region of the People’s Republic of China.

• The Insurance company reserves the right to decide at its sole discretion whether to accept or decline any application for the Plan according to the information provided by the proposed insured and the applicant at the time of application.

• The Insurance company reserves the right to amend or terminate any terms and conditions for the Plan at any time at its sole discretion without prior notice. In case of any dispute, the decision of Insurance company shall be final.

• The above plans are subject to the formal policy documents and provisions issued by Insurance company. Please refer to the relevant policy documents and provisions for details of the insured items and coverage, provisions and exclusions.

• The Bank is an appointed agent of the insurance company for distribution of life insurance products. The life insurance product is a product of the insurance company but not the Bank.

• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, our bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly the Insurance company and the customer.

• The Policy Owner is subjected to the credit risk of the Insurance company. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.