Virtual Career Talk - HKU Alumni

Page created by Carlos Pearson
 
CONTINUE READING
Virtual Career Talk - HKU Alumni
2022
                              Wealth Management
                     Analyst/Associate Programme
Are you interested to be a professional in the Private Banking
industry?

Take this opportunity to meet with our Team and prepare for
your career at Bank of Singapore.

               Virtual Career Talk
                                      9 December 2021 (Thursday)

                                                   2:00pm – 3:00pm

                                                     Zoom Webinar
    https://zoom.us/j/93157289344?pwd=dVRwTEhQaU8vc1dMd1hFM0U4RnlKQT09
                                                      Passcode: 482716
Virtual Career Talk - HKU Alumni
2022
WEALTH MANAGEMENT
ANALYST/ASSOCIATE
PROGRAMME

Uncover your potential with
Bank of Singapore

Our Wealth Management
Analyst/Associate Programme offers
you an insight into the world of private
banking and equips you with the
skillsets and knowledge to build
enduring relationships with our clients.

Through comprehensive trainings and tailored
rotations in various teams, you will learn about the
key trends in the industry as well the latest solutions and
offerings that will broaden your expertise in different facets of wealth management.
You will partner with senior professionals to curate solutions and provide advice on
managing and growing our clients’ wealth. You will also have the opportunities to
develop your individual capabilities and network with leaders and like-minded
colleagues from across the Bank.

Ready to kickstart your career with us? Join us in one of the three tracks:

•         Junior Relationship Manager
•         Investment Counsellor
•         Product Specialist

Who we look for
•   A good Bachelor’s or Master’s degree. Candidates with more than 3 years of experience
    may be considered for the Associate programme
•   Highly motivated with great interpersonal and communication skills who can genuinely
    connect with our clients from all backgrounds and cultures
•   Entrepreneurial and highly resourceful
•   Demonstrates integrity and able to work with confidential information
•   Passion in investing, financial markets and client advisory

Application will open soon in mid-Dec. Stay tuned for more updates.
Virtual Career Talk - HKU Alumni
Welcome to Asia‘s global private bank
Virtual Career Talk - HKU Alumni
At Bank of Singapore,
we offer the expertise
to help manage and grow
your wealth the way you
want to – with prudence
and care. With the trust
placed in us, we continue
to build priceless
enduring relationships.
Virtual Career Talk - HKU Alumni
3   B ANK   O F   SINGAPO R E

Building
relationships
where you
                                Building an enduring relationship takes          bigger picture. Paying attention
come first                      diligence and dedication, akin to creating
                                a fine masterpiece. Each client is a
                                                                                 to the smallest details ensures a
                                                                                 flawless execution, where the sum
                                discerning individual with unique needs          is greater than the parts. We find
                                and goals, therefore the building blocks are     great pride in putting our clients
                                different. Each piece is carefully selected      first and achieving the desired
                                and thoughtfully put together to create the      results for them.

                                We invite you to join us on this journey together, as your private bank of choice.
Virtual Career Talk - HKU Alumni
Having global perspectives
and expertise has always
been appreciated by our
clients. However, it is our Asian
roots that are truly invaluable.
Values like prudence, loyalty,
humility and diligence are at
the core of everything we do.
Virtual Career Talk - HKU Alumni
5   B ANK   O F   SINGAPO R E

Rooted in Asia,
                                Bank of Singapore is proud of its roots in Asia. Our deep understanding of the region is part of
                                our very soul. As a wholly-owned private banking arm of OCBC Bank, our unique position gives
                                you the intimacy and independence of a boutique private bank, with the added resources and

global in                       services of our parent bank.

perspective
                                Our efforts have been widely acknowledged in industry accolades:

                                 2021                                                                   2020
                                Best Private   Best Private       HKIB Talent    Best Core          Best             High Net           High Net            Super
                                Bank for       Bank for Digital   Development    System Project     Private Banking Worth Clients       Worth Clients       Affluent Clients
                                Investment     Customer           Award 2021     - Group Wealth     Services Overall (Indonesia)        (Singapore)         (UAE)
                                Research       Service (Asia)     (Cat 1)        Platform           (Philippines)
                                                                  (Hong Kong)    (Regional)
                                Asiamoney      PWM                Hong Kong      Hong Kong          Euromoney         Euromoney         Euromoney           Euromoney
                                Asia Private   Wealth             Banking        Banking            Private Banking   Private Banking   Private Banking     Private Banking
                                Banking        Tech Awards        Institute of   Institute of       and Wealth        and Wealth        and Wealth          and Wealth
                                Awards                            Bankers        Bankers            Management        Management        Management          Management
                                                                                                    Awards            Awards            Awards              Awards

                                 2019
                                Best Private   Best Private       Employer       Best Private Bank in   Excellence in         Excellence in             EAM/FIM
                                Bank (Equity   Bank (Global       of the Year    Singapore              Corporate Wellness    Leadership                Service Provider
                                Advisory)      Indians)                                                 (Gold)                Development (Gold)
                                Asian          Asian              Asian          PWM/The Banker         Human Resources       Human Resources           WealthBriefingAsia
                                Private        Private            Private        – Global Private       HR Excellence         HR Excellence             Greater China
                                Banker         Banker             Banker         Banking Awards         Award                 Award                     Awards for Private
                                                                                                                                                        Banking Excellence

                                As Asia’s global private bank, our sights are set on the world as our heart stays rooted in Asia.
Virtual Career Talk - HKU Alumni
You are our top priority.
With care and integrity,
we can help you to
manage your assets,
grow your wealth and
secure your legacy.
Virtual Career Talk - HKU Alumni
7    B ANK    O F   SINGAPO R E

Managing                                                        Your journey begins with us understanding your unique priorities, needs and goals.
                                                                Based on your risk appetite and preferences, bespoke solutions are proposed for your
                                                                consideration. Before any decision is executed, all your concerns and queries are
your wealth                                                     thoroughly addressed. To ensure your investment strategy aligns with your goals, regular
                                                                portfolio reviews are conducted with you.

as we would                                                     Your private banker, supported by our team                       On top of that, you enjoy the flexibility

our own
                                                                of portfolio managers and trading specialists,                   of choosing to actively manage your
                                                                is always at hand to help you make sound                         investments with the help of our advisory
                                                                financial decisions. Insights from our 50-strong                 portfolio management* team. Alternatively,
                                                                investment strategy and research team, as well                   you can appoint our discretionary portfolio
                                                                as world-renowned speakers and investment                        management* team to manage your
                                                                experts at our client-exclusive events, will help                investments within specific parameters.
                                                                you stay on top of global market movements.

* Advisory portfolio management and discretionary portfolio management services are only available in respect of accounts booked in Singapore.
Virtual Career Talk - HKU Alumni
We objectively source
from a large universe of
products to offer a
complete suite of
best-of-breed solutions
that is customised to
your needs and goals.
9    B ANK    O F   SINGAPO R E

Tailored for                                                     Investment products
                                                                 • Cash and money market
                                                                 • Investment grade bonds
                                                                                                         Financing
                                                                                                         • Portfolio leveraging
                                                                                                         • Residential real estate financing
you and                                                          • High yield bonds
                                                                 • Equity
                                                                                                         • Insurance premium financing
                                                                                                         • Corporate finance+

generations
                                                                 • Foreign exchange                      • Structured transactions
                                                                 • Derivatives
                                                                 • Structured products                   Wealth planning

to come                                                          • Third-party mutual funds
                                                                 • Hedge funds
                                                                                                         • Estate planning
                                                                                                         • Financial planning
                                                                 • Private equity                        • Life insurance^

                                                                 Investment services                     Trust services
                                                                 • Discretionary portfolio management#   • Trust administrationº
                                                                   – cash, securities, funds
                                                                 • Advisory portfolio management*        OCBC Bank solutions
                                                                 • Premium advisory services             • Consumer banking
                                                                                                         • Corporate banking
                                                                                                         • Treasury
                                                                                                         • Transaction banking
                                                                                                         • Investment banking and
# Discretionary portfolio management services are only available in respect of accounts                    corporate finance+
  booked in Singapore.
* Advisory portfolio management services and premium advisory services are only available in respect
  of accounts booked in Singapore.
^ Insurance services are provided by external parties/insurance brokers introduced by the Bank.

+ Provided by OCBC Bank or via external parties.
º Trust services are provided by BOS Trustee Limited, a wholly-owned subsidiary of Bank of Singapore.
It is said, “It is not what
you know, but who you
know.” This is especially
true when you are
seeking to tap into the
right opportunities at
the right places.
11   B ANK   O F   SINGAPO R E

Our                              Headquartered in Singapore, Bank of Singapore operates from a strong and open economy.
                                 Our clients are assured of unrivalled stability and security. With a network of offices, including a
                                 branch in Hong Kong and the Dubai International Financial Centre (DIFC) and representative

network                          offices in Manila and Dubai, we are strategically positioned to serve our clients across the globe.
                                 We offer wealth management services in the European Economic Area under the BOS Wealth

and
                                 Management Europe brand name. In Malaysia, our wealth management services are provided
                                 under BOS Wealth Management Malaysia Berhad. As a wholly-owned subsidiary of OCBC Bank,
                                 our clients enjoy access to OCBC Bank’s full suite of consumer and commercial banking solutions

foundation                       such as financing, insurance and brokerage services.

                                 Our legacy                                           Our parent company, OCBC Bank
                                 Bank of Singapore was formed after the               Formed in 1932 after the merger of three local
                                 acquisition of ING Asia Private Bank (IAPB) by       banks, the oldest of which was founded in
                                 OCBC Bank on 29 January 2010. The combined           1912, OCBC Bank is the longest established
                                 private banking services of IAPB and OCBC            Singapore bank.
                                 were subsequently named Bank of Singapore.           Recognised for its financial strength and
                                 Led by Chief Executive Officer Bahren Shaari,        stability, OCBC Bank is now the second-largest
                                 Bank of Singapore is one of the fastest-growing      financial services group in Southeast Asia by
                                 private banks in Asia.                               assets and one of the world’s most highly-rated
                                                                                      banks with an Aa1 rating from Moody’s.
                                                                                      It is also consistently ranked Asean’s strongest
                                                                                      bank and among the world’s five strongest
                                                                                      banks by Bloomberg Markets.
la.
13   B ANK    O F   SINGAPO R E

Grow
with us                           Bank of Singapore   Total assets under management**

                                                      US$125B
                                                                           (Quadrupled
                                                                           since 2010)

                                                      Relationship managers##   Employees^^            Clients##
                                                      more                      more                   more
                                                      than                      than                   than
                                                              450                        2,200                17,000

                                  Our parent bank     Credit ratings            Capital strength       Total core income
                                  OCBC Bank           Moody’s                   Common Equity Tier 1

                                                              Aa1                      16.1%**            S$5.48B
                                                                                                                    (January – June 2021)

                                                      S&P                       Tier 1 Capital Ratio   Net profit

                                                              AA-                      16.6%**            S$2.66B
                                                                                                                    (January – June 2021)

                                                      Fitch                     Total Capital Ratio    Market capitalisation

** As of 30 June 2021.                                        AA-                   18.4%**                S$53.9B**
## As of January 2020.
^^ As of August 2021.
14   B ANK    O F   SINGAPO R E

Disclaimer
This material is prepared by Bank of Singapore Limited (Co Reg. No.: 197700866R) (the          The Bank and its Affiliates and their respective officers, employees, agents and
“Bank”) for information purposes only. It is intended only for the recipient, and may not      representatives do not make any express or implied representations, warranties
be published, circulated, reproduced or distributed in whole or in part to any other           or guarantees as to the accuracy, timeliness, completeness or reliability of the
person without the Bank’s prior written consent.                                               information, data or any other contents of this material. Past performance is not a
                                                                                               guarantee or indication of future results. Any forecasts or projections contained in this
This material is not intended for distribution, publication or use by any person in any
                                                                                               material is not necessarily indicative of future or likely performance.
jurisdiction outside Singapore, Hong Kong or such other jurisdiction as the Bank may
determine in its absolute discretion, where such distribution, publication or use would        The Bank forms part of the OCBC Group (being for this purpose Oversea-Chinese
be contrary to applicable law or would subject the Bank or its related corporations,           Banking Corporation Limited and its subsidiaries, related and affiliated companies).
connected persons, associated persons or affiliates (collectively “Affiliates”) to any         The Bank, OCBC Group, their respective directors and employees (collectively
licensing, registration or other requirements in such jurisdiction.                            “Related Persons”) may or might have in the future interests in the product(s) or the
                                                                                               issuer(s) mentioned in this material. Such interests include effecting transactions in such
This material and other related documents or materials have not been reviewed
                                                                                               product(s), and providing broking, investment banking and other financial services to
by, registered with or lodged as a prospectus, information memorandum or profile
                                                                                               such issuer(s). The Bank, OCBC Group and its Related Persons may also be related to,
statement with the Monetary Authority of Singapore, the Hong Kong Securities and
                                                                                               or receive commissions, fees or other remuneration from, providers of such product(s).
Futures Commission or any other regulator in any jurisdiction.
                                                                                               This material has not been prepared by research analysts, and the information in this
This material by itself, is not and should not be construed as an offer or a solicitation to
                                                                                               material is not intended, by itself, to constitute independent, impartial or objective
deal in any investment product or to enter into any legal relations.
                                                                                               research or a recommendation from the Bank and should not be treated as such.
This material does not constitute advice (whether financial, legal, accounting, tax            Unless otherwise indicated, any reference to a research report or recommendation is
or otherwise) on or a recommendation with respect to any investment product, and               not intended to represent the whole report and is not in itself considered a research
should not be relied on as advice or a recommendation or for any other purpose.                report or recommendation.
This material has been prepared for and is intended for general circulation. This
                                                                                               Structured deposits, dual currency investments and other investment products are not
material does not take into account the specific investment objectives, investment
                                                                                               insured by the Singapore Deposit Insurance Corporation or the Hong Kong Deposit
experience, financial situation or particular needs of any particular person. You
                                                                                               Protection Scheme.
should independently evaluate the contents of this material, and consider the
suitability of any service or product mentioned in this material taking into account           This advertisement has not been reviewed by the Monetary Authority of Singapore.
your own specific investment objectives, investment experience, financial situation
                                                                                               The Bank is not licensed as an insurer or insurance broker and its employees and
and particular needs. If in doubt about the contents of this material or the suitability
                                                                                               representatives are not registered as insurance agents. The Bank is not licensed to, and
of any service or product mentioned in this material, you should obtain independent
                                                                                               will not, provide any advice or recommendation on, or arrange or sell any insurance
financial, legal, accounting, tax or other advice from your own financial or other
                                                                                               policy. Upon your request, the Bank may refer you to insurers or insurance brokers for
professional advisers, taking into account your specific investment objectives,
                                                                                               the purchase of insurance policies. When referring you to any such insurer or insurance
investment experience, financial situation and particular needs, before making a
                                                                                               broker, the Bank will not give advice or provide recommendations on any insurance
commitment to obtain any service or purchase any investment product.
                                                                                               policy, or arrange any insurance policy for you. The Bank may receive commissions
15   B ANK    O F   SINGAPO R E

or fees in respect of the insurance policies purchased by you. Any insurance policy            (a) a corporation (which is not an accredited investor (as defined in the SFA)) the sole
referred to in this document is issued by a third-party insurer.                                   business of which is to hold investments and the entire share capital of which is
                                                                                                   owned by one or more individuals, each of whom is an accredited investor; or
If this material pertains to an offer, it may only be offered (i) in Hong Kong, to qualified
Private Banking Customers and Professional Investors (as defined under the Securities          (b) a trust (where the trustee is not an accredited investor) whose sole purpose is
and Futures Ordinance); (ii) in Singapore to Accredited Investors (as defined under                to hold investments and each beneficiary of the trust is an individual who is an
the Securities and Futures Act; and (iii) in the Dubai International Financial Center, to          accredited investor, securities (as defined in Section 2(1) of the SFA) or securities-
Professional Clients (as defined under the Dubai Financial Services Authority rules). No           based derivatives contracts (as defined in Section 2(1) of the SFA) of that
other persons may act on the contents of the material.                                             corporation or the beneficiaries’ rights and interest (howsoever described) in that
                                                                                                   trust shall not be transferred within six months after that corporation or that trust has
                                                                                                   acquired the securities or securities-based derivatives contract pursuant to an offer
Other Disclosures                                                                                  made under Section 275 of the SFA except:
Singapore                                                                                         (1) to an institutional investor or to a relevant person, or to any person arising from
                                                                                                      an offer referred to in Section 275(1A) or Section 276(4)(i)(B) of the SFA;
Where this material relates to securities or securities-based derivatives contracts,
this clause applies:                                                                              (2) where no consideration is or will be given for the transfer;
This material has not been registered as a prospectus with the Monetary Authority                 (3) where the transfer is by operation of law;
of Singapore. Accordingly, this material and any other document or material
                                                                                                  (4) as specified in Section 276(7) of the SFA; or
in connection with the offer or sale, or invitation for subscription or purchase, of
the securities or securities-based derivatives contracts may not be circulated or                 (5) as specified in Regulation 37A of the Securities and Futures (Offers of
distributed, nor may the securities or securities-based derivatives contracts be                      Investments) (Securities and Securities-based Derivatives Contracts)
offered or sold, or be made the subject of an invitation for subscription or purchase,                Regulations 2018 of Singapore.
whether directly or indirectly, to persons in Singapore other than (i) to an institutional
                                                                                               Where this material relates to units of the collective investment scheme,
investor (as defined in the Securities and Futures Act, Chapter 289 of Singapore, as
                                                                                               this clause applies:
amended or modified (the “SFA”)) pursuant to Section 274 of the SFA, (ii) to a
relevant person                                                                                The offer or invitation of the units of the collective investment scheme, which is the
(as defined in Section 275(2) of the SFA) pursuant to Section 275(1) of the SFA, or any        subject of this material, does not relate to a collective investment scheme which
person pursuant to Section 275(1A) of the SFA, and in accordance with the                      is authorised under Section 286 of the Securities and Futures Act, Chapter 289 of
conditions specified in Section 275 of the SFA and, where applicable, the conditions           Singapore, as amended or modified (the “SFA”) or recognised under Section 287 of
specified in Regulation 3 of the Securities and Futures (Classes of Investors)                 the SFA. The collective investment scheme is not authorised or recognised by the
Regulations 2018, or (iii) otherwise pursuant to, and in accordance with the                   Monetary Authority of Singapore (the “MAS”) and the units are not allowed to be
conditions of, any other applicable provision of the SFA.                                      offered to the retail public. This material and any other document or material issued
                                                                                               in connection with the offer or sale is not a prospectus as defined in the SFA and,
Where securities or securities-based derivatives contracts are subscribed or purchased
                                                                                               accordingly, statutory liability under the SFA in relation to the content of prospectuses
under Section 275 of the SFA by a relevant person which is:
                                                                                               does not apply, and you should consider carefully whether the investment is suitable
                                                                                               for you.
16   B ANK    O F   SINGAPO R E

This material has not been registered as a prospectus with the MAS. Accordingly, this          Where this material relates to structured deposits, this clause applies:
material, and any other document or material in connection with the offer or sale, or
                                                                                               The product is a structured deposit. Unlike traditional deposits, structured deposits
invitation for subscription or purchase, of the units may not be circulated or distributed,
                                                                                               have an investment element and returns may vary. You may wish to seek independent
nor may the units be offered or sold, or be made the subject of an invitation for
                                                                                               advice from a financial adviser before making a commitment to purchase this
subscription or purchase, whether directly or indirectly, to persons in Singapore other
                                                                                               product. In the event that you choose not to seek independent advice from a
than (i) to an institutional investor (as defined in the SFA) pursuant to Section 304 of
                                                                                               financial adviser, you should carefully consider whether this product is suitable for you.
the SFA, (ii) to a relevant person (as defined in Section 305(5) of the SFA) pursuant to
Section 305(1), or any person pursuant to Section 305(2), and in accordance with the           Where this material relates to dual currency investments, this clause applies:
conditions specified in Section 305, of the SFA, and where applicable, the conditions
                                                                                               The product is a dual currency investment. A dual currency investment product
specified in Regulation 3 of the Securities and Futures (Classes of Investors) Regulations
                                                                                               (“DCI”) is a derivative product or structured product with derivatives embedded in it. A
2018, or (iii) otherwise pursuant to, and in accordance with the conditions of, any other
                                                                                               DCI involves a currency option which confers on the deposit-taking institution the right
applicable provision of the SFA.
                                                                                               to repay the principal sum at maturity in either the base or alternate currency. Part or
Where units are subscribed or purchased under Section 305 of the SFA by a relevant             all of the interest earned on this investment represents the premium on this option.
person which is:
                                                                                               By purchasing this DCI, you are giving the issuer of this product the right to repay you
(a) a corporation (which is not an accredited investor (as defined in the SFA)) the sole       at a future date in an alternate currency that is different from the currency in which
    business of which is to hold investments and the entire share capital of which is          your initial investment was made, regardless of whether you wish to be repaid in this
    owned by one or more individuals, each of whom is an accredited investor; or               currency at that time. DCIs are subject to foreign exchange fluctuations which may
                                                                                               affect the return of your investment. Exchange controls may also be applicable to
(b) a trust (where the trustee is not an accredited investor) whose sole purpose is
                                                                                               the currencies your investment is linked to. You may incur a loss on your principal sum
    to hold investments and each beneficiary of the trust is an individual who is an
                                                                                               in comparison with the base amount initially invested. You may wish to seek advice
    accredited investor,
                                                                                               from a financial adviser before making a commitment to purchase this product. In the
securities (as defined in Section 2(1) of the SFA) of that corporation or the beneficiaries’   event that you choose not to seek advice from a financial adviser, you should carefully
rights and interest (howsoever described) in that trust shall not be transferred within six    consider whether this product is suitable for you.
months after that corporation or that trust has acquired the units pursuant to an offer
made under Section 305 of the SFA except:
                                                                                               Hong Kong
(1) to an institutional investor or to a relevant person, or to any person arising from an
    offer referred to in Section 275(1A) or Section 305A(3)(i)(B) of the SFA;                  This document has not been delivered for registration to the Registrar of Companies
                                                                                               in Hong Kong and its contents have not been reviewed by any regulatory authority in
(2) where no consideration is or will be given for the transfer;                               Hong Kong. Accordingly: (i) the shares/notes may not be offered or sold in Hong Kong
(3) where the transfer is by operation of law;                                                 by means of any document other than to persons who are “Professional Investors”
                                                                                               within the meaning of the Securities and Futures Ordinance (Cap. 571) of Hong Kong
(4) as specified in Section 305A(5) of the SFA; or                                             and the Securities and Futures (Professional Investor) Rules made thereunder or in other
(5) as specified in Regulation 36A of the Securities and Futures (Offers of Investments)       circumstances which do not result in the document being a “prospectus” within the
    (Collective Investment Schemes) Regulations 2005 of Singapore.]                            meaning of the Companies (Winding Up and Miscellaneous Provisions) Ordinance
17    B ANK   O F   SINGAPO R E

(Cap. 32) of Hong Kong or which do not constitute an offer to the public within the       Where this material relates to a Complex Product (Options and its variants, Swap
meaning of the Companies (Winding Up and Miscellaneous Provisions) Ordinance;             and its variants, Accumulator and its variants, Reverse Accumulator and its variants,
and (ii) no person may issue any invitation, advertisement or other document relating     Forwards), this clause applies additionally:
to the shares/notes whether in Hong Kong or elsewhere, which is directed at, or the
contents of which are likely to be accessed or read by, the public in Hong Kong           -   Investor may incur losses which exceed the amount invested
(except if permitted to do so under the securities laws of Hong Kong) other than          Where this material relates to a Loss Absorption Product, this clause applies:
with respect to the shares/notes which are or are intended to be disposed of only to
persons outside Hong Kong or only to “Professional Investors” within the meaning of the   Warning Statement and Information about Loss Absorption Products
Securities and Futures Ordinance and the Securities and Futures (Professional Investor)   (Applicable to accounts managed by Hong Kong Relationship Manager)
Rules made thereunder.                                                                    Before you invest in any Loss Absorption Product (as defined by the Hong Kong
Where this material relates to a Complex Product, this clause applies:                    Monetary Authority), please read and ensure that you understand the features of a
                                                                                          Loss Absorption Product, which may generally have the following features:
Warning Statement and Information about Complex Product                                   - The product is subject to the risk of being written down or converted to
(Applicable to accounts managed by Hong Kong Relationship Manager)                           ordinary shares (as the case may be);
-    Investor should exercise caution in relation to Complex Products;                    -   The contingent write-down or conversion may happen upon certain
                                                                                              circumstances (e.g. at the point of non-viability or the capital ratio falls to a
-    Investor should take note that the past performance of a Complex Product is not
                                                                                              specified level), and the product may potentially result in a substantial loss;
     indicative of future performance;
                                                                                          -   The product is a high risk transaction and a Complex Product, as the
-    All Complex Products offered by the Bank are only available to Professional
                                                                                              circumstances in which the product may be required to bear loss are difficult to
     Investors (except for derivative fund without loss absorption features which have
                                                                                              predict and ex ante assessments of the quantum of loss will also be highly
     been authorized by the SFC and listed derivatives); and
                                                                                              uncertain;
-    All Complex Products are not principal protected
                                                                                          -   The product is targeted at professional investors only and is generally not
Where this material relates to a Complex Product – Funds and ETFs, this clause applies        suitable for retail clients;
additionally:
                                                                                          -   The credit ranking of the product is usually subordinated. In the event of
-    For Complex Products where offering documents or information provided by the             liquidation or insolvency of the issuer, investors would only be entitled to be paid
     issuer have not been reviewed by the SFC, investors should exercise caution in           after other senior creditors are paid and this may result in a substantial loss of
     relation to the offer and take note that such offering documents have not been           the amount invested.
     reviewed by the SFC;
                                                                                          Where this material relates to a certificate of deposit, this clause applies:
-    For Complex Products described as having been authorised by the SFC, investors
     should take note that the authorisation does not amount to an official               It is not a protected deposit and is not protected by the Deposit Protection Scheme
     recommendation and that the SFC’s authorisation is not a recommendation or           in Hong Kong.
     endorsement of that Complex Product nor does it guarantee the commercial
     merits of that Complex Product or its performance.
18   B ANK   O F   SINGAPO R E

Where this material relates to a structured deposit, this clause applies:                    Please make sure that you understand the contents of the relevant offering documents
                                                                                             (including but not limited to the Information Memorandum or Offering Circular)
It is not a protected deposit and is not protected by the Deposit Protection Scheme in
                                                                                             and the terms set out in this document. If you do not understand the contents of
Hong Kong.
                                                                                             the relevant offering documents and the terms set out in this document, you should
Where this material relates to a structured product, this clause applies:                    consult an authorised financial adviser as you deem necessary, before you decide
                                                                                             whether or not to invest.
This is a structured product which involves derivatives. Do not invest in it unless you
fully understand and are willing to assume the risks associated with it. If you are in any   Where this material relates to a fund, this clause applies:
doubt about the risks involved in the product, you may clarify with the intermediary or
                                                                                             This Fund is not subject to any form of regulation or approval by the Dubai Financial
seek independent professional advice.
                                                                                             Services Authority (“DFSA”). The DFSA has no responsibility for reviewing or verifying any
                                                                                             Prospectus or other documents in connection with this Fund. Accordingly, the DFSA
                                                                                             has not approved the Prospectus or any other associated documents nor taken any
Dubai International Financial Center                                                         steps to verify the information set out in the Prospectus, and has no responsibility for
Where this material relates to securities, securities-based derivatives, dual currency       it. The Units to which this Fund relates may be illiquid and/or subject to restrictions on
investments or structured deposits, this clause applies:                                     their resale. Prospective purchasers should conduct their own due diligence on the
                                                                                             Units. If you do not understand the contents of this document you should consult an
The Distributor represents and agrees that it has not offered and will not offer the         authorized financial adviser. Please note that this offer is intended for only Professional
product to any person in the Dubai International Financial Centre unless such offer is:      Clients and is not directed at Retail Clients.
(a) an “Exempt Offer” in accordance with the Market Rules of the Dubai Financial             These are also available for inspection, during normal business hours, at the
    Services Authority (the “DFSA”); and                                                     following location:
(b) made only to persons who meet the Professional Client criteria set out in Rule 2.3.1     Bank of Singapore
    of the DFSA Markets Rules.                                                               Office 30-32 Level 28
The DFSA has no responsibility for reviewing or verifying any documents in connection        Central Park Tower
with Exempt Offers.                                                                          DIFC, Dubai
                                                                                             U.A.E
The DFSA has not approved the Information Memorandum or taken steps to verify the
information set out in it, and has no responsibility for it.
                                                                                             Cross Border Disclaimer and Disclosures
The product to which this document relates may be illiquid and/or subject to
restrictions in respect of their resale. Prospective purchasers of the products offered      Refer to https://www.bankofsingapore.com/Disclaimers_and_Disclosures.html
should conduct their own due diligence on the products.                                      for cross-border marketing disclaimers and disclosures.
19   B ANK   O F   SINGAPO R E

 Notes
To have one of our private bankers meet with you regarding our services, contact us at:

MAIN OFFICE                                    BRANCH OFFICES                                        OTHER

Singapore                                      Hong Kong                                             Luxembourg                                      Malaysia
Bank of Singapore Limited                      Bank of Singapore Limited                             BOS Wealth Management                           BOS Wealth Management
63 Market Street                               (Hong Kong Branch)                                    Europe S.A.                                     Malaysia Berhad
#22-00 Bank of Singapore Centre                34/F & 35/F One International                         33, Rue Ste Zithe                               1001 Level 10 Uptown 1
Singapore 048942                               Finance Centre                                        L-2763 Luxembourg                               No. 1 Jalan SS 21/58
Tel: +65 6559 8000                             1 Harbour View Street, Central                        Tel: +352 28 57 32 2000                         Damansara Uptown
                                               Hong Kong SAR                                                                                         47400 Petaling Jaya,
REPRESENTATIVE OFFICE                          Tel: +852 2846 3980                                   United Kingdom                                  Selangor
                                                                                                     BOS Wealth Management                           Malaysia
Philippines                                    Dubai                                                 Europe S.A., UK Branch                          Tel: +60 3 7712 3000
Bank of Singapore Limited                      Bank of Singapore Limited                             The Rex Building
(Philippine Representative Office)             (DIFC Branch)                                         62 Queen Street
34/F Ayala Triangle Gardens                    Office 30-34, Level 28,                               London EC4R 1EB
Tower 2                                        Central Park Tower                                    United Kingdom
Paseo de Roxas Makati City 1226                Dubai International Financial Centre                  Tel: +44 0 207 029 5850
Philippines                                    P.O. Box 4296
Tel: +63 2 84798988                            Dubai U.A.E.                                          BOS Wealth Management Europe is a
                                                                                                     wholly-owned subsidiary of Bank of Singapore,
                                               Tel: +971 4 427 7100                                  dedicated to providing wealth management
                                                                                                     services to European clients.

                                               Regulated by the Dubai Financial Services Authority

www.bankofsingapore.com
Your incoming and outgoing calls may be recorded. For details, please refer to the Bank’s data protection policy.
The policy is available at https://www.bankofsingapore.com/Data-Protection-Policy.html or upon request.
You can also read