Investment choices for the Wealth Management Plan

Investment Choices brochure

For the Hong Kong market only. 2 Front cover title goes here

Important Information

The Wealth Management Plan is an investment-linked assurance scheme (‘ILAS policy’). It is a life assurance policy issued by Quilter International Isle of Man Limited (‘Quilter International’). Your investments are subject to the credit risks of Quilter International. The premiums you pay towards your ILAS policy, any funds that are transferred to Quilter International under the ILAS policy, and any investments made by Quilter International in the underlying funds you select, will become and remain the assets of Quilter International. You do not have any rights or ownership over any of those assets. Your recourse is against Quilter International only. The premiums you pay, after deduction of any applicable fees and charges of your ILAS policy, will be invested by Quilter International in the underlying funds you select. You may also transfer your existing funds, which are funds listed in this Investment Choices brochure, held in your name to Quilter International as a premium payment in kind. Your ILAS policy value will be calculated by Quilter International based on the performance of your selected underlying funds (including the funds that are transferred). Due to the various fees and charges levied by Quilter International on your ILAS policy, the return on your ILAS policy as a whole may be lower than the return of the underlying funds you select (including the funds that are transferred). Early surrender or withdrawal of the policy may result in a significant loss of principal (premiums). Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible. The Investment Choices available under this product can have very different features and risk profiles. Some may be of high risk. You should read this document in conjunction with the product brochure and the product key facts statement for details of the benefits, risks and charges of the Wealth Management Plan. For definitions of the capitalised terms used in this Investment Choices brochure, please refer to the ‘Glossary’ section. Quilter international 3

Explanatory notes

You should be aware that the Wealth Your policy will be allocated notional Management Plan offered by Quilter units in the Investment Choices International is an ILAS policy and selected by you, and the value of your you will be investing in the life policy will be linked to, and calculated by assurance policy. us with reference to, the performance of the underlying funds corresponding We have different Investment Choices to the Investment Choices you select. available under the Wealth Management Plan. We offer you access to a range of Please note as you are investing in a Investment Choices as listed on page 5 life assurance policy and not investing to 23 which invest in the underlying in the underlying funds, these unlisted unit trusts/mutual funds and allocated units are purely notional. exchanged traded funds authorised by You legally own the policy, however, the Securities and Futures Commission you have no legal or beneficial interest (SFC). in the Investment Choices or the underlying funds. Please note the SFC authorisation is not a recommendation or endorsement of any underlying fund nor does it guarantee its commercial merits or performance.

Contents

Premier provider of Investment Choices ������������������� 4 – Introduction – Breadth of investment opportunities

List of Investment Choices ������������������������������� 5

Risk factors ��������������������������������������������24 – General risk factors – Additional risk factors – Further risk factors of Exchange Traded Funds (ETFs) – related Investment Choices

Supplementary information related to selecting Investment Choices linked to Exchange Traded Funds (ETFs) ���������26

Valuation ���������������������������������������������28

Removal of access to an Investment Choice ����������������29

Glossary ����������������������������������������������30

Further information ������������������������������������ 31 4 Investment choices for the Wealth Management Plan

Premier provider of Investment Choices

Introduction Breadth of investment This document explains the opportunities Investment Choices available to you We believe that few fund managers for selection under the Wealth can be strong across every Management Plan at commencement. investment sector and asset class. Should you leave Hong Kong to reside With this in mind, we offer you access in another jurisdiction after your Plan to an extensive range of leading fund has been commenced, you may be management groups carefully entitled to some other arrangements selected based on their expertise and and can access other underlying performance through an extensive assets which are not listed in this range of Investment Choices we document at your request, subject to provide. The underlying funds our criteria and approval. You should corresponding to the Investment note that these arrangements are Choices are managed by leading fund optional and will be available only management groups, and have a wide when you reside out of Hong Kong. coverage of markets, managers and These optional arrangements or asset types. underlying assets are not authorised by the SFC for public offering in Hong Kong. The arrangements will be subject to fees and charges higher than those in the charges table on page 14 of the product brochure. If you are interested, you can refer to the policy terms and conditions for more details about the optional arrangements, and obtain more information from your financial adviser in the first instance or Quilter International. Quilter international 5

List of Investment Choices You should read the offering documents (including the product key facts statements) of the underlying funds, which are available from your financial adviser in the first instance or Quilter International upon request, for details of the underlying funds (including, without limitation, their investment objectives and policies, risk factors and charges).

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 1 AB FCP I Asia Ex-Japan Equity LU0469268469 AB FCP I - Asia Ex-Japan AllianceBernstein A USD USD Portfolio A Acc Equity Portfolio (Luxembourg) S.a.r.l. 2 AB FCP I Asia Ex-Japan Equity LU0805982039 AB FCP I - Asia Ex-Japan AllianceBernstein AD EUR EUR Portfolio AD EUR H Inc Equity Portfolio (Luxembourg) S.a.r.l. 3 AB FCP I Asia Ex-Japan Equity LU0733933534 AB FCP I - Asia Ex-Japan AllianceBernstein AD GBP GBP Portfolio AD GBP H Equity Portfolio (Luxembourg) S.a.r.l. 4 AB FCP I Emerging Markets LU0246604945 AB FCP I - Emerging Markets AllianceBernstein A USD USD Debt Portfolio A USD Debt Portfolio (Luxembourg) S.a.r.l. 5 AB FCP I Emerging Markets LU0511406562 AB FCP I - Emerging Markets AllianceBernstein A2 EUR EUR Debt Portfolio A2 EUR H Debt Portfolio (Luxembourg) S.a.r.l. 6 AB FCP I Emerging Markets LU0897863980 AB FCP I - Emerging Markets AllianceBernstein AT GBP GBP Debt Portfolio AT GBP H Debt Portfolio (Luxembourg) S.a.r.l. 7 AB FCP I Emerging Markets LU0040709171 AB FCP I - Emerging Markets AllianceBernstein A USD USD Growth Portfolio A USD Growth Portfolio (Luxembourg) S.a.r.l. 8 AB FCP I Short Duration Bond LU0069950391 AB FCP I - Short Duration AllianceBernstein A USD USD Portfolio A Bond Portfolio (Luxembourg) S.a.r.l. 9 AB FCP I Short Duration Bond LU0511405085 AB FCP I - Short Duration AllianceBernstein A2 EUR EUR Portfolio A2 EUR H Bond Portfolio (Luxembourg) S.a.r.l. 10 AB FCP I Short Duration Bond LU0689626090 AB FCP I - Short Duration AllianceBernstein AT GBP GBP Portfolio AT GBP H Bond Portfolio (Luxembourg) S.a.r.l. 11 AB FCP I Sustainable US LU0520233601 AB FCP I - Sustainable US AllianceBernstein A EUR EUR Thematic Portfolio A EUR H Thematic Portfolio (Luxembourg) S.a.r.l. 12 AB FCP I Sustainable US LU0124676726 AB FCP I - Sustainable US AllianceBernstein A USD USD Thematic Portfolio A USD Thematic Portfolio (Luxembourg) S.a.r.l. 13 AB SICAV I All Market Income LU1127386735 AB SICAV I - All Market AllianceBernstein A USD USD Portfolio A Income Portfolio (Luxembourg) S.a.r.l. 14 AB SICAV I Asia Pacific Local LU0736555797 AB SICAV I - Asia Pacific Local AllianceBernstein A2 USD USD Currency Debt Portfolio A2 Currency Debt Portfolio (Luxembourg) S.a.r.l. 15 AB SICAV I Asia Pacific Local LU0736556092 AB SICAV I - Asia Pacific Local AllianceBernstein A2 EUR EUR Currency Debt Portfolio A2 Currency Debt Portfolio (Luxembourg) S.a.r.l. EUR Hdg 16 AB SICAV I Asia Pacific Local LU0800105081 AB SICAV I - Asia Pacific Local AllianceBernstein AT GBP GBP Currency Debt Portfolio AT Currency Debt Portfolio (Luxembourg) S.a.r.l. GBP Hdg 17 AB SICAV I Emerging Market LU0736563114 AB SICAV I - Emerging Market AllianceBernstein A2 EUR EUR Corporate Debt Portfolio A2 Corporate Debt Portfolio (Luxembourg) S.a.r.l. EUR H Acc 18 AB SICAV I Emerging Market LU0736563031 AB SICAV I - Emerging Market AllianceBernstein A2 USD USD Corporate Debt Portfolio A2 Corporate Debt Portfolio (Luxembourg) S.a.r.l. USD Acc 19 AB SICAV I Emerging Market LU0800106725 AB SICAV I - Emerging Market AllianceBernstein AT GBP GBP Corporate Debt Portfolio AT Corporate Debt Portfolio (Luxembourg) S.a.r.l. GBP H Inc 20 AB SICAV I Emerging Markets LU0633140560 AB SICAV I - Emerging AllianceBernstein A USD USD Multi-Asset Portfolio A Markets Multi-Asset Portfolio (Luxembourg) S.a.r.l. 21 AB SICAV I Emerging Markets LU0633142186 AB SICAV I - Emerging AllianceBernstein A EUR EUR Multi-Asset Portfolio A EUR Markets Multi-Asset Portfolio (Luxembourg) S.a.r.l. Hdg 22 AB SICAV I Emerging Markets LU0633142269 AB SICAV I - Emerging AllianceBernstein A GBP GBP Multi-Asset Portfolio A GBP Markets Multi-Asset Portfolio (Luxembourg) S.a.r.l. Hdg 23 AB SICAV I Global Real Estate LU0074935502 AB SICAV I - Global Real AllianceBernstein A USD USD Securities Portfolio A Estate Securities Portfolio (Luxembourg) S.a.r.l. 24 AB SICAV I India Growth LU0430678424 AB SICAV I - India Growth AllianceBernstein A USD USD Portfolio A USD Portfolio (Luxembourg) S.a.r.l. 25 AB SICAV I International LU0058720904 AB SICAV I - International AllianceBernstein A USD USD Health Care Portfolio A USD Health Care Portfolio (Luxembourg) S.a.r.l. 26 AB SICAV I International LU0060230025 AB SICAV I - International AllianceBernstein A USD USD Technology Portfolio A USD Technology Portfolio (Luxembourg) S.a.r.l. 27 AB SICAV I Short Duration LU0654559516 AB SICAV I - Short Duration AllianceBernstein A2 USD USD High Yield Portfolio A2 Acc High Yield Portfolio (Luxembourg) S.a.r.l. 6 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 28 AB SICAV I Short Duration LU0654560878 AB SICAV I - Short Duration AllianceBernstein A2 EUR EUR High Yield Portfolio A2 EUR High Yield Portfolio (Luxembourg) S.a.r.l. Hdg Acc 29 AB SICAV I Short Duration LU0654560522 AB SICAV I - Short Duration AllianceBernstein AT GBP GBP High Yield Portfolio AT GBP High Yield Portfolio (Luxembourg) S.a.r.l. Hdg Inc 30 AB SICAV I US Small and Mid- LU0493246853 AB SICAV I - US Small and AllianceBernstein A USD USD Cap Portfolio A Mid-Cap Portfolio (Luxembourg) S.a.r.l. 31 AB SICAV I US Small and Mid- LU0511384579 AB SICAV I - US Small and AllianceBernstein A EUR EUR Cap Portfolio A EUR H Mid-Cap Portfolio (Luxembourg) S.a.r.l. 32 Aberdeen Standard SICAV I - LU0498180339 Aberdeen Standard SICAV I - Aberdeen Standard A Acc EUR EUR EUR Asia Pacific Equity A Acc EUR Asia Pacific Equity Fund Investments Luxembourg S.A. 33 Aberdeen Standard SICAV I - LU0231455378 Aberdeen Standard SICAV I - Aberdeen Standard A Acc GBP GBP GBP Asia Pacific Equity A Acc GBP Asia Pacific Equity Fund Investments Luxembourg S.A. 34 Aberdeen Standard SICAV I - LU0011963245 Aberdeen Standard SICAV I - Aberdeen Standard A Acc USD USD USD Asia Pacific Equity A Acc USD Asia Pacific Equity Fund Investments Luxembourg S.A. 35 Aberdeen Standard SICAV LU0094548533 Aberdeen Standard SICAV Aberdeen Standard A Acc USD USD USD I - Asian Local Currency Short I - Asian Local Currency Short Investments Luxembourg Term Bond A Acc USD Term Bond Fund S.A. 36 Aberdeen Standard SICAV LU0231459958 Aberdeen Standard SICAV Aberdeen Standard A Acc GBP GBP GBP I - Asian Smaller Companies A I - Asian Smaller Companies Investments Luxembourg Acc GBP Fund S.A. 37 Aberdeen Standard SICAV LU0231459107 Aberdeen Standard SICAV Aberdeen Standard A Acc USD USD USD I - Asian Smaller Companies A I - Asian Smaller Companies Investments Luxembourg Acc USD Fund S.A. 38 Aberdeen Standard SICAV I - LU0566480116 Aberdeen Standard SICAV I - Aberdeen Standard A Acc USD USD USD Emerging Markets Corporate Emerging Markets Corporate Investments Luxembourg Bond A Acc USD Bond Fund S.A. 39 Aberdeen Standard SICAV LU0523223757 Aberdeen Standard SICAV Aberdeen Standard A Acc USD USD USD I - Emerging Markets I - Emerging Markets Investments Luxembourg Infrastructure Equity A Acc Infrastructure Equity Fund S.A. USD 40 Aberdeen Standard SICAV LU0396317843 Aberdeen Standard SICAV Aberdeen Standard A MInc USD USD USD I - Emerging Markets Local I - Emerging Markets Local Investments Luxembourg Currency Bond A MInc USD Currency Bond Fund S.A. 41 Aberdeen Standard SICAV LU0278932362 Aberdeen Standard SICAV Aberdeen Standard A Acc GBP GBP GBP I - Emerging Markets Smaller I - Emerging Markets Smaller Investments Luxembourg Companies A Acc GBP Companies Fund S.A. 42 Aberdeen Standard SICAV LU0278937759 Aberdeen Standard SICAV Aberdeen Standard A Acc USD USD USD I - Emerging Markets Smaller I - Emerging Markets Smaller Investments Luxembourg Companies A Acc USD Companies Fund S.A. 43 Aberdeen Standard SICAV I - LU0231462077 Aberdeen Standard SICAV I - Aberdeen Standard A Acc GBP GBP GBP Indian Equity A Acc GBP Indian Equity Fund Investments Luxembourg S.A. 44 Aberdeen Standard SICAV I - LU0231490524 Aberdeen Standard SICAV I - Aberdeen Standard A Acc USD USD USD Indian Equity A Acc USD Indian Equity Fund Investments Luxembourg S.A. 45 Aberdeen Standard SICAV I - LU0011963674 Aberdeen Standard SICAV I - Aberdeen Standard A Acc JPY JPY JPY Japanese Equity A Acc JPY Japanese Equity Fund Investments Luxembourg S.A. 46 Aberdeen Standard SICAV I - LU0278933410 Aberdeen Standard SICAV I - Aberdeen Standard A Acc GBP GBP GBP Japanese Smaller Companies Japanese Smaller Companies Investments Luxembourg A Acc GBP Fund S.A. 47 Aberdeen Standard SICAV I - LU0278936439 Aberdeen Standard SICAV I - Aberdeen Standard A Acc JPY JPY JPY Japanese Smaller Companies Japanese Smaller Companies Investments Luxembourg A Acc JPY Fund S.A. 48 Aberdeen Standard SICAV LU0396314238 Aberdeen Standard SICAV I - Aberdeen Standard A Acc USD USD USD I - Latin American Equity A Latin American Equity Fund Investments Luxembourg Acc USD S.A. 49 Aberdeen Standard SICAV LU0566484027 Aberdeen Standard SICAV Aberdeen Standard A Acc USD USD USD I - North American Smaller I - North American Smaller Investments Luxembourg Companies A Acc USD Companies Fund S.A. 50 Aberdeen Standard SICAV LU0132414144 Aberdeen Standard SICAV Aberdeen Standard A Acc USD USD USD I - Select Emerging Markets I - Select Emerging Markets Investments Luxembourg Bond A Acc USD Bond Fund S.A. 51 Aberdeen Standard SICAV I - LU0231456855 Aberdeen Standard SICAV I - Aberdeen Standard A MInc GBP GBP GBP Select Euro High Yield Bond A Select Euro High Yield Bond Investments Luxembourg MInc GBP Fund S.A. 52 Aberdeen Standard SICAV LU0231457747 Aberdeen Standard SICAV I Aberdeen Standard A Acc GBP GBP GBP I - Global Innovation Equity A - Global Innovation Equity Investments Luxembourg Acc GBP Fund S.A. 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Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 53 Aberdeen Standard SICAV LU0107464264 Aberdeen Standard SICAV I Aberdeen Standard A Acc USD USD USD I - Global Innovation Equity A - Global Innovation Equity Investments Luxembourg Acc USD Fund S.A. 54 Aberdeen Standard SICAV I - LU0231459016 Aberdeen Standard SICAV I - Aberdeen Standard A Acc GBP GBP GBP World Equity A Acc GBP World Equity Fund Investments Luxembourg S.A. 55 Aberdeen Standard SICAV I - LU0094547139 Aberdeen Standard SICAV I - Aberdeen Standard A Acc USD USD USD World Equity A Acc USD World Equity Fund Investments Luxembourg S.A. 56 Aberdeen Standard SICAV LU0505663152 Aberdeen Standard SICAV I - Aberdeen Standard A Acc USD USD USD I - World Resources Equity A World Resources Equity Fund Investments Luxembourg Acc USD S.A. 57 Allianz China A Shares AT USD LU1997245177 Allianz Global Investors Fund Allianz Global Investors AT USD USD - Allianz China A-Shares GmbH 58 Allianz China Equity A HKD LU0561508036 Allianz Global Investors Fund Allianz Global Investors A HKD HKD - Allianz China Equity GmbH 59 Allianz China Equity A USD LU0348825331 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz China Equity GmbH 60 Allianz China Multi Income LU0396098781 Allianz Global Investors Fund Allianz Global Investors AT USD USD Plus AT USD - Allianz China Multi Income GmbH Plus 61 Allianz Emerging Asia Equity LU0348788117 Allianz Global Investors Fund Allianz Global Investors A USD USD A USD - Allianz Emerging Asia Equity GmbH 62 Allianz Emerging Asia Equity LU0589944569 Allianz Global Investors Fund Allianz Global Investors AT HKD HKD AT HKD - Allianz Emerging Asia Equity GmbH 63 Allianz Flexi Asia Bond AM LU0706718672 Allianz Global Investors Fund Allianz Global Investors AM EUR EUR (H2-EUR) - Allianz Flexi Asia Bond GmbH 64 Allianz Flexi Asia Bond AM LU0706718326 Allianz Global Investors Fund Allianz Global Investors AM GBP GBP (H2-GBP) - Allianz Flexi Asia Bond GmbH 65 Allianz Flexi Asia Bond AM LU0706718086 Allianz Global Investors Fund Allianz Global Investors AM HKD HKD HKD - Allianz Flexi Asia Bond GmbH 66 Allianz Flexi Asia Bond AM LU0745992734 Allianz Global Investors Fund Allianz Global Investors AM USD USD USD - Allianz Flexi Asia Bond GmbH 67 Allianz GEM Equity High LU0293313325 Allianz Global Investors Fund Allianz Global Investors AT EUR EUR Dividend AT EUR - Allianz GEM Equity High GmbH Dividend 68 Allianz GEM Equity High LU0293314216 Allianz Global Investors Fund Allianz Global Investors AT USD USD Dividend AT USD - Allianz GEM Equity High GmbH Dividend 69 Allianz Global Equity LU0342677829 Allianz Global Investors Allianz Global Investors A EUR EUR Unconstrained A EUR Fund - Allianz Global Equity GmbH Unconstrained 70 Allianz Global Equity LU0342679015 Allianz Global Investors Allianz Global Investors AT USD USD Unconstrained AT Fund - Allianz Global Equity GmbH Unconstrained 71 Allianz Global Hi-Tech Growth LU0348723411 Allianz Global Investors Allianz Global Investors AT USD USD AT USD Fund - Allianz Global Hi-Tech GmbH Growth 72 Allianz Global Metals and LU0589944643 Allianz Global Investors Fund Allianz Global Investors A EUR EUR Mining A - Allianz Global Metals and GmbH Mining 73 Allianz Global Sustainability LU0158827195 Allianz Global Investors Fund Allianz Global Investors A EUR EUR A EUR - Allianz Global Sustainability GmbH 74 Allianz Global Sustainability LU0158827948 Allianz Global Investors Fund Allianz Global Investors A USD USD A USD - Allianz Global Sustainability GmbH 75 Allianz HKD Income AM HKD LU0815945547 Allianz Global Investors Fund Allianz Global Investors AM HKD HKD - Allianz HKD Income GmbH 76 Allianz HKD Income AM USD LU0815945463 Allianz Global Investors Fund Allianz Global Investors AM USD USD - Allianz HKD Income GmbH 77 Allianz Hong Kong Equity A LU0540923850 Allianz Global Investors Fund Allianz Global Investors A HKD HKD HKD - Allianz Hong Kong Equity GmbH 78 Allianz Hong Kong Equity A LU0348735423 Allianz Global Investors Fund Allianz Global Investors A USD USD USD - Allianz Hong Kong Equity GmbH 79 Allianz Income and Growth LU0913601281 Allianz Global Investors Fund Allianz Global Investors AM EUR EUR AM H2-EUR - Allianz Income and Growth GmbH 8 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 80 Allianz Income and Growth LU0820562386 Allianz Global Investors Fund Allianz Global Investors AM GBP GBP AM H2-GBP - Allianz Income and Growth GmbH 81 Allianz Income and Growth LU0820561909 Allianz Global Investors Fund Allianz Global Investors AM HKD HKD AM HKD - Allianz Income and Growth GmbH 82 Allianz Income and Growth LU0820561818 Allianz Global Investors Fund Allianz Global Investors AM USD USD AM USD - Allianz Income and Growth GmbH 83 Allianz Indonesia Equity A LU0348744763 Allianz Global Investors Fund Allianz Global Investors A USD USD USD - Allianz Indonesia Equity GmbH 84 Allianz Korea Equity A LU0348756692 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz Korea Equity GmbH 85 Allianz Little Dragons A USD LU0348766576 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz Little Dragons GmbH 86 Allianz Oriental Income A LU0348783233 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz Oriental Income GmbH 87 Allianz Thailand Equity A USD LU0348798264 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz Thailand Equity GmbH 88 Allianz Asia Innovation A USD LU0348805143 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz Asia Innovation GmbH 89 Allianz Total Return Asian LU0348816934 Allianz Global Investors Fund Allianz Global Investors AT USD USD Eq AT - Allianz Total Return Asian GmbH Equity 90 Allianz Total Return Asian LU0797268264 Allianz Global Investors Fund Allianz Global Investors AT HKD HKD Equity AT HKD - Allianz Total Return Asian GmbH Equity 91 Allianz US Equity Fund A USD LU0256863811 Allianz Global Investors Fund Allianz Global Investors A USD USD - Allianz US Equity Fund GmbH 92 Alquity SICAV - Alquity Africa LU0455925619 Alquity SICAV - Alquity Africa Lemanik Asset A USD USD A$ Acc Fund Management S.A. 93 AXA World Funds - LU0216734045 AXA World Funds - AXA Funds Management Acc EUR EUR Framlington Europe Real Framlington Europe Real S.A. Estate Securities AC EUR Estate Securities 94 AXA World Funds - LU0266012318 AXA World Funds - AXA Funds Management Acc USD USD Framlington Global Real Framlington Global Real S.A. Estate Securities AC USD Estate Securities 95 AXA World Funds - LU0266013472 AXA World Funds - AXA Funds Management Acc USD USD Framlington Longevity Framlington Longevity S.A. Economy AC USD Economy 96 Barings ASEAN Frontiers A IE0004868828 Barings International Baring International A EUR EUR EUR Inc Umbrella Fund - Barings Fund Managers (Ireland) ASEAN Frontiers Fund Limited 97 Barings ASEAN Frontiers A IE0000830236 Barings International Baring International A USD USD USD Inc Umbrella Fund - Barings Fund Managers (Ireland) ASEAN Frontiers Fund Limited 98 Barings Asia Growth A EUR IE0004868604 Barings International Baring International A EUR EUR Inc Umbrella Fund - Barings Asia Fund Managers (Ireland) Growth Fund Limited 99 Barings Asia Growth A GBP IE0031029477 Barings International Baring International A GBP GBP Inc Umbrella Fund - Barings Asia Fund Managers (Ireland) Growth Fund Limited 100 Barings Asia Growth A USD IE0000830129 Barings International Baring International A USD USD Inc Umbrella Fund - Barings Asia Fund Managers (Ireland) Growth Fund Limited 101 Barings Developed and IE0032158341 Barings Global Umbrella Baring International A EUR EUR Emerging Markets High Yield Fund - Barings Developed Fund Managers (Ireland) Bond A EUR Hdgd Inc and Emerging Markets High Limited Yield Bond Fund 102 Barings Developed and IE0033156484 Barings Global Umbrella Baring International A GBP GBP Emerging Markets High Yield Fund - Barings Developed Fund Managers (Ireland) Bond A GBP Hdgd Inc and Emerging Markets High Limited Yield Bond Fund 103 Barings Developed and IE0000835953 Barings Global Umbrella Baring International A USD USD Emerging Markets High Yield Fund - Barings Developed Fund Managers (Ireland) Bond A USD Inc and Emerging Markets High Limited Yield Bond Fund 104 Barings Eastern Europe A IE0004852103 Barings Global Umbrella Baring International A EUR EUR EUR Inc Fund - Barings Eastern Fund Managers (Ireland) Europe Fund Limited 105 Barings Eastern Europe A IE0000805634 Barings Global Umbrella Baring International A USD USD USD Inc Fund - Barings Eastern Fund Managers (Ireland) Europe Fund Limited 106 Barings Europe Select A EUR GB00B3NSX137 Barings Europe Select Trust Baring Fund Managers A EUR Acc EUR EUR Acc Limited 107 Barings German Growth A GB0008192063 Barings German Growth Baring Fund Managers A EUR Acc EUR EUR EUR Acc Trust Limited Quilter international 9

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 108 Barings German Growth A GB0000822576 Barings German Growth Baring Fund Managers A GBP Acc GBP GBP GBP Acc Trust Limited 109 Barings Global Agriculture GB00B3B9VB40 Barings Investment Umbrella Baring Fund Managers A EUR EUR A EUR Fund - Barings Global Limited Agriculture Fund 110 Barings Global Agriculture GB00B3B9V927 Barings Investment Umbrella Baring Fund Managers A GBP GBP A GBP Fund - Barings Global Limited Agriculture Fund 111 Barings Global Agriculture GB00B3B9VC56 Barings Investment Umbrella Baring Fund Managers A USD USD A USD Fund - Barings Global Limited Agriculture Fund 112 Barings Global Emerging IE0004850503 Barings Emerging Markets Baring International A EUR EUR Markets A EUR Inc Umbrella Fund - Barings Fund Managers (Ireland) Global Emerging Markets Limited Fund 113 Barings Global Emerging IE0032149506 Barings Emerging Markets Baring International A GBP GBP Markets A GBP Inc Umbrella Fund - Barings Fund Managers (Ireland) Global Emerging Markets Limited Fund 114 Barings Global Emerging IE00B3YV8M70 Barings Emerging Markets Baring International A USD USD Markets A USD Acc Umbrella Fund - Barings Fund Managers (Ireland) Global Emerging Markets Limited Fund 115 Barings Global Leaders A IE0030016350 Barings Global Umbrella Baring International A EUR EUR EUR Inc Fund - Barings Global Fund Managers (Ireland) Leaders Fund Limited 116 Barings Global Leaders A IE0030016467 Barings Global Umbrella Baring International A GBP GBP GBP Inc Fund - Barings Global Fund Managers (Ireland) Leaders Fund Limited 117 Barings Global Leaders A IE0030016244 Barings Global Umbrella Baring International A USD USD USD Inc Fund - Barings Global Fund Managers (Ireland) Leaders Fund Limited 118 Barings Global Resources A IE0004851352 Barings Global Umbrella Baring International A EUR EUR EUR Inc Fund - Barings Global Fund Managers (Ireland) Resources Fund Limited 119 Barings Global Resources A IE00B4VBLG29 Barings Global Umbrella Baring International A GBP GBP GBP Inc Fund - Barings Global Fund Managers (Ireland) Resources Fund Limited 120 Barings Global Resources A IE0000931182 Barings Global Umbrella Baring International A USD USD USD Inc Fund - Barings Global Fund Managers (Ireland) Resources Fund Limited 121 Barings Hong Kong China A IE0004866889 Barings International Baring International A EUR EUR EUR Inc Umbrella Fund - Barings Fund Managers (Ireland) Hong Kong China Fund Limited 122 Barings Hong Kong China A IE00B3YQ0H18 Barings International Baring International A GBP GBP GBP Inc Umbrella Fund - Barings Fund Managers (Ireland) Hong Kong China Fund Limited 123 Barings Hong Kong China A IE00B4YN5X00 Barings International Baring International A HKD HKD HKD Inc Umbrella Fund - Barings Fund Managers (Ireland) Hong Kong China Fund Limited 124 Barings Hong Kong China A IE0000829238 Barings International Baring International A USD USD USD Inc Umbrella Fund - Barings Fund Managers (Ireland) Hong Kong China Fund Limited 125 Barings Global Bond A Class IE0000829568 Barings International Baring International A USD USD Umbrella Fund - Barings Fund Managers (Ireland) Global Bond Fund Limited 126 Barings Global Bond A EUR IE0004866996 Barings International Baring International A EUR EUR Inc Umbrella Fund - Barings Fund Managers (Ireland) Global Bond Fund Limited 127 Barings Global Bond A GBP IE0033064597 Barings International Baring International A GBP GBP Umbrella Fund - Barings Fund Managers (Ireland) Global Bond Fund Limited 128 Barings Korea A GBP Acc GB0000840719 Barings Korea Trust Baring Fund Managers A GBP Acc GBP GBP Limited 129 Barings Latin America A EUR IE0004851022 Barings Emerging Markets Baring International A EUR EUR Inc Umbrella Fund - Barings Latin Fund Managers (Ireland) America Fund Limited 130 Barings Latin America A USD IE0000828933 Barings Emerging Markets Baring International A USD USD Inc Umbrella Fund - Barings Latin Fund Managers (Ireland) America Fund Limited 131 Barings USD Liquidity G USD IE00BD3JRX66 Barings Umbrella Fund plc - Baring International G Acc USD USD Barings USD Liquidity Fund Fund Managers (Ireland) Limited 10 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 132 BlackRock Asia Pacific Equity LU0765512784 BlackRock Global Funds - Asia BlackRock (Luxembourg) A6 HKD HKD Inc A6 HKD Hdg Pacific Equity Income Fund S.A. 133 BlackRock Asia Pacific Equity LU0414403419 BlackRock Global Funds - Asia BlackRock (Luxembourg) A2 USD USD Income Fund A2 USD Pacific Equity Income Fund S.A. 134 BlackRock Asia Pacific Equity LU0852073260 BlackRock Global Funds - Asia BlackRock (Luxembourg) A2RF GBP GBP Income Fund A2RF GBP Pacific Equity Income Fund S.A. 135 BlackRock Asian Dragon Fund LU0171269466 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR A2 EUR Asian Dragon Fund S.A. 136 BlackRock Asian Dragon Fund LU0171270639 BlackRock Global Funds - BlackRock (Luxembourg) A2 GBP GBP A2 GBP Asian Dragon Fund S.A. 137 BlackRock Asian Dragon Fund LU0072462343 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD A2 USD Asian Dragon Fund S.A. 138 BlackRock Asian Tiger Bond LU0496654236 BlackRock Global Funds - BlackRock (Luxembourg) A3 HKD HKD A3 HKD Hdg Asian Tiger Bond Fund S.A. 139 BlackRock Asian Tiger Bond LU0063729296 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD Asian Tiger Bond Fund S.A. 140 BlackRock China Fund A2 LU0359201455 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR EUR H China Fund S.A. 141 BlackRock China Fund A2 LU0359201612 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD USD China Fund S.A. 142 BlackRock Emerging Europe LU0011850392 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR Emerging Europe Fund S.A. 143 BlackRock Emerging Europe LU0171273575 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD Emerging Europe Fund S.A. 144 BlackRock Emerging Markets LU0413376566 BlackRock Global Funds - BlackRock (Luxembourg) A EUR EUR Bond Fund A2 EUR H Emerging Markets Bond Fund S.A. 145 BlackRock Emerging Markets LU0200680600 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Bond Fund A2 USD Emerging Markets Bond Fund S.A. 146 BlackRock Emerging Markets LU0651946864 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Equity Income Fund A2 USD Emerging Markets Equity S.A. Income Fund 147 BlackRock Emerging Markets LU0171275786 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR Emerging Markets Fund S.A. 148 BlackRock Emerging Markets LU0047713382 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD Emerging Markets Fund S.A. 149 BlackRock Euro Reserve A2 LU0432365988 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Euro Reserve Fund S.A. 150 BlackRock Global Allocation LU0788109477 BlackRock Global Funds - BlackRock (Luxembourg) A2 HKD HKD A2 HKD Hdg Global Allocation Fund S.A. 151 BlackRock Global Allocation LU0212925753 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR H Global Allocation Fund S.A. 152 BlackRock Global Allocation LU0236177068 BlackRock Global Funds - BlackRock (Luxembourg) A2 GBP GBP Fund A2 GBP H Global Allocation Fund S.A. 153 BlackRock Global Allocation LU0072462426 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD Global Allocation Fund S.A. 154 BlackRock Global Funds - LU0255399239 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Japan Flexible Equity Fund A2 Japan Flexible Equity Fund S.A. EUR H 155 BlackRock Global Funds - LU0940328577 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Japan Flexible Equity Fund A2 Japan Flexible Equity Fund S.A. USD H 156 BlackRock Global Long- LU0171285314 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Horizon Equity Fund A2 EUR Global Long-Horizon Equity S.A. Fund 157 BlackRock Global Long- LU0011850046 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Horizon Equity Fund A2 USD Global Long-Horizon Equity S.A. Fund 158 BlackRock Global Multi Asset LU0784385170 BlackRock Global Funds - BlackRock (Luxembourg) A6 HKD HKD Income A6 HKD Hdg Global Multi-Asset Income S.A. Fund 159 BlackRock Global Multi-Asset LU0784385840 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Income Fund A2 USD Global Multi-Asset Income S.A. Fund Quilter international 11

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 160 BlackRock Systematic Global LU0171288334 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR SmallCap Fund A2 EUR Systematic Global SmallCap S.A. Fund 161 BlackRock Systematic Global LU0054578231 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD SmallCap Fund A2 USD Systematic Global SmallCap S.A. Fund 162 BlackRock India Fund A2 EUR LU0248271941 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR India Fund S.A. 163 BlackRock India Fund A2 USD LU0248272758 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD India Fund S.A. 164 BlackRock Japan Small & LU0255399742 BlackRock Global Funds BlackRock (Luxembourg) A2 EUR EUR MidCap Opportunities Fund - Japan Small & MidCap S.A. A2 EUR H Opportunities Fund 165 BlackRock Japan Small & LU0931342652 BlackRock Global Funds BlackRock (Luxembourg) A2 USD USD MidCap Opportunities Fund - Japan Small & MidCap S.A. A2 USD H Opportunities Fund 166 BlackRock Latin American A2 LU0788109048 BlackRock Global Funds - BlackRock (Luxembourg) A2 HKD HKD HKD Hdg Latin American Fund S.A. 167 BlackRock Latin American LU0171289498 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR Latin American Fund S.A. 168 BlackRock Latin American LU0171289738 BlackRock Global Funds - BlackRock (Luxembourg) A2 GBP GBP Fund A2 GBP Latin American Fund S.A. 169 BlackRock Latin American LU0072463663 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD Latin American Fund S.A. 170 BlackRock Natural Resources LU0612318385 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Growth & Income Fund A2 Natural Resources Growth & S.A. USD Income Fund 171 BlackRock Nutrition Fund A2 LU0471298348 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR EUR H Nutrition Fund S.A. 172 BlackRock Nutrition Fund A2 LU0385154629 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD USD Nutrition Fund S.A. 173 BlackRock Sustainable Energy LU0171289902 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR Sustainable Energy Fund S.A. 174 BlackRock Sustainable Energy LU0124384867 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD Sustainable Energy Fund S.A. 175 BlackRock United Kingdom LU0171293177 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR United Kingdom Fund S.A. 176 BlackRock United Kingdom LU0011847091 BlackRock Global Funds - BlackRock (Luxembourg) A2 GBP GBP Fund A2 GBP United Kingdom Fund S.A. 177 BlackRock United Kingdom LU0171293334 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD United Kingdom Fund S.A. 178 BlackRock US Dollar Reserve LU0297945965 BlackRock Global Funds - US BlackRock (Luxembourg) A2 GBP GBP Fund A2 GBP H Dollar Reserve Fund S.A. 179 BlackRock US Dollar Reserve LU0006061419 BlackRock Global Funds - US BlackRock (Luxembourg) A2 USD USD Fund A2 USD Dollar Reserve Fund S.A. 180 BlackRock US Flexible Equity LU0200684693 BlackRock Global Funds - US BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR H Flexible Equity Fund S.A. 181 BlackRock US Flexible Equity LU0154236417 BlackRock Global Funds - US BlackRock (Luxembourg) A2 USD USD Fund A2 USD Flexible Equity Fund S.A. 182 BlackRock World Energy A2 LU0788109394 BlackRock Global Funds - BlackRock (Luxembourg) A2 HKD HKD HKD Hdg World Energy Fund S.A. 183 BlackRock World Energy Fund LU0326422176 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR A2 EUR H World Energy Fund S.A. 184 BlackRock World Energy Fund LU0122376428 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD A2 USD World Energy Fund S.A. 185 BlackRock World Gold A2 LU0788108826 BlackRock Global Funds - BlackRock (Luxembourg) A2 HKD HKD HKD Hdg World Gold Fund S.A. 186 BlackRock World Gold Fund LU0326422689 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR A2 EUR H World Gold Fund S.A. 187 BlackRock World Gold Fund LU0055631609 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD A2 USD World Gold Fund S.A. 12 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 188 BlackRock World LU0171307068 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Healthscience Fund A2 EUR World Healthscience Fund S.A. 189 BlackRock World LU0122379950 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Healthscience Fund A2 USD World Healthscience Fund S.A. 190 BlackRock World Mining A2 LU0788109121 BlackRock Global Funds - BlackRock (Luxembourg) A2 HKD HKD HKD Hdg World Mining Fund S.A. 191 BlackRock World Mining Fund LU0326424115 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR A2 EUR H World Mining Fund S.A. 192 BlackRock World Mining Fund LU0075056555 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD A2 USD World Mining Fund S.A. 193 BlackRock World Technology LU0171310443 BlackRock Global Funds - BlackRock (Luxembourg) A2 EUR EUR Fund A2 EUR World Technology Fund S.A. 194 BlackRock World Technology LU0171311680 BlackRock Global Funds - BlackRock (Luxembourg) A2 GBP GBP Fund A2 GBP World Technology Fund S.A. 195 BlackRock World Technology LU0056508442 BlackRock Global Funds - BlackRock (Luxembourg) A2 USD USD Fund A2 USD World Technology Fund S.A. 196 BNY Mellon Asian Equity A IE0003795394 BNY Mellon Global Funds BNY Mellon Fund A USD USD USD plc - BNY Mellon Asian Equity Management Fund (Luxembourg) S.A. 197 BNY Mellon Global Bond A IE0003924739 BNY Mellon Global Funds BNY Mellon Fund A USD USD USD plc - BNY Mellon Global Bond Management Fund (Luxembourg) S.A. 198 Fidelity Funds - ASEAN A Acc LU0737861269 Fidelity Funds - ASEAN Fund FIL Investment A HKD HKD HKD Management (Luxembourg) S.A. 199 Fidelity Funds - ASEAN A Acc LU0261945553 Fidelity Funds - ASEAN Fund FIL Investment A USD USD USD Management (Luxembourg) S.A. 200 Fidelity Funds - Sustainable LU0261946445 Fidelity Funds - Sustainable FIL Investment A EUR EUR Asia Equity A ACC EUR Asia Equity Fund Management (Luxembourg) S.A. 201 Fidelity Funds - Sustainable LU0261947096 Fidelity Funds - Sustainable FIL Investment A USD USD Asia Equity A ACC USD Asia Equity Fund Management (Luxembourg) S.A. 202 Fidelity Funds - Asia Pacific LU0205439572 Fidelity Funds - Asia Pacific FIL Investment A USD USD Dividend A USD Dividend Fund Management (Luxembourg) S.A. 203 Fidelity Funds - Asian Smaller LU0702159772 Fidelity Funds - Asian Smaller FIL Investment A EUR EUR Companies A Acc EUR Companies Fund Management (Luxembourg) S.A. 204 Fidelity Funds - Asian Smaller LU0702159699 Fidelity Funds - Asian Smaller FIL Investment A USD USD Companies A Acc USD Companies Fund Management (Luxembourg) S.A. 205 Fidelity Funds - Asian Special LU0413542167 Fidelity Funds - Asian Special FIL Investment A EUR EUR Situations A Acc EUR Situations Fund Management (Luxembourg) S.A. 206 Fidelity Funds - Asian Special LU0261950983 Fidelity Funds - Asian Special FIL Investment A USD USD Situations A Acc USD Situations Fund Management (Luxembourg) S.A. 207 Fidelity Funds - China LU0594300096 Fidelity Funds - China FIL Investment A EUR EUR Consumer A Acc EUR Consumer Fund Management (Luxembourg) S.A. 208 Fidelity Funds - China LU0605514214 Fidelity Funds - China FIL Investment A HKD HKD Consumer A Acc HKD Consumer Fund Management (Luxembourg) S.A. 209 Fidelity Funds - China LU0594300179 Fidelity Funds - China FIL Investment A USD USD Consumer A Acc USD Consumer Fund Management (Luxembourg) S.A. 210 Fidelity Funds - China Focus LU0318931192 Fidelity Funds - China Focus FIL Investment A EUR EUR A Acc EUR Fund Management (Luxembourg) S.A. 211 Fidelity Funds - China Focus A LU0737861699 Fidelity Funds - China Focus FIL Investment A HKD HKD Acc HKD Fund Management (Luxembourg) S.A. 212 Fidelity Funds - China Focus LU0173614495 Fidelity Funds - China Focus FIL Investment A USD USD A USD Fund Management (Luxembourg) S.A. 213 Fidelity Funds - Emerging Asia LU0329678410 Fidelity Funds - Emerging FIL Investment A EUR EUR A Acc EUR Asia Fund Management (Luxembourg) S.A. 214 Fidelity Funds - Emerging Asia LU0737861772 Fidelity Funds - Emerging FIL Investment A HKD HKD A Acc HKD Asia Fund Management (Luxembourg) S.A. Quilter international 13

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 215 Fidelity Funds - Emerging Asia LU0329678337 Fidelity Funds - Emerging FIL Investment A USD USD A Acc USD Asia Fund Management (Luxembourg) S.A. 216 Fidelity Funds - Emerging LU0303816705 Fidelity Funds - Emerging FIL Investment A EUR EUR Europe, Middle East and Europe, Middle East and Management Africa A Acc EUR Africa Fund (Luxembourg) S.A. 217 Fidelity Funds - Emerging LU0303823156 Fidelity Funds - Emerging FIL Investment A USD USD Europe, Middle East and Europe, Middle East and Management Africa A Acc USD Africa Fund (Luxembourg) S.A. 218 Fidelity Funds - Emerging LU0337572712 Fidelity Funds - Emerging FIL Investment A EUR EUR Market Debt A Acc EUR Hdg Market Debt Fund Management (Luxembourg) S.A. 219 Fidelity Funds - Emerging LU0238205958 Fidelity Funds - Emerging FIL Investment A USD USD Market Debt A Acc USD Market Debt Fund Management (Luxembourg) S.A. 220 Fidelity Funds - Germany A LU0261948227 Fidelity Funds - Germany FIL Investment A EUR EUR Acc EUR Fund Management (Luxembourg) S.A. 221 Fidelity Funds - Global LU0114721508 Fidelity Funds - Global FIL Investment A EUR EUR Consumer Industries A EUR Consumer Industries Fund Management (Luxembourg) S.A. 222 Fidelity Funds - Global LU0528227936 Fidelity Funds - Global FIL Investment A USD USD Demographics A Acc USD Demographics Fund Management (Luxembourg) S.A. 223 Fidelity Funds - Global LU0772969993 Fidelity Funds - Global FIL Investment A USD USD Dividend A Acc USD Dividend Fund Management (Luxembourg) S.A. 224 Fidelity Funds - Global LU0742537680 Fidelity Funds - Global FIL Investment A HKD HKD Dividend A MINCOME HKD Dividend Fund Management (Luxembourg) S.A. 225 Fidelity Funds - Global LU0114722498 Fidelity Funds - Global FIL Investment A EUR EUR Financial Services A EUR Financial Services Fund Management (Luxembourg) S.A. 226 Fidelity Funds - Global Focus LU0157922724 Fidelity Funds - Global Focus FIL Investment A EUR EUR A EUR Fund Management (Luxembourg) S.A. 227 Fidelity Funds - Global Focus LU0157215616 Fidelity Funds - Global Focus FIL Investment A USD USD A USD Fund Management (Luxembourg) S.A. 228 Fidelity Funds - Global Health LU0261952419 Fidelity Funds - Global Health FIL Investment A EUR EUR Care A Acc EUR Care Fund Management (Luxembourg) S.A. 229 Fidelity Funds - Global Income LU0882574568 Fidelity Funds - Global FIL Investment A USD USD A MINCOME USD Income Fund Management (Luxembourg) S.A. 230 Fidelity Funds - Global LU0114722902 Fidelity Funds - Global FIL Investment A EUR EUR Industrials A EUR Industrials Fund Management (Luxembourg) S.A. 231 Fidelity Funds - Global LU0237698757 Fidelity Funds - Global FIL Investment A EUR EUR Property A Acc EUR Property Fund Management (Luxembourg) S.A. 232 Fidelity Funds - Global LU0237698914 Fidelity Funds - Global FIL Investment A USD USD Property A Acc USD Property Fund Management (Luxembourg) S.A. 233 Fidelity Funds - India Focus LU0197230542 Fidelity Funds - India Focus FIL Investment A EUR EUR A EUR Fund Management (Luxembourg) S.A. 234 Fidelity Funds - India Focus LU0197229882 Fidelity Funds - India Focus FIL Investment A USD USD A USD Fund Management (Luxembourg) S.A. 235 Fidelity Funds - Indonesia A LU0055114457 Fidelity Funds - Indonesia FIL Investment A USD USD USD Fund Management (Luxembourg) S.A. 236 Fidelity Funds - Latin America LU0050427557 Fidelity Funds - Latin America FIL Investment A USD USD A USD Fund Management (Luxembourg) S.A. 237 Fidelity Funds - Malaysia A LU0048587868 Fidelity Funds - Malaysia FIL Investment A USD USD USD Fund Management (Luxembourg) S.A. 238 Fidelity Funds - Nordic A Acc LU0261949381 Fidelity Funds - Nordic Fund FIL Investment A SEK SEK SEK Management (Luxembourg) S.A. 239 Fidelity Funds - Singapore LU0048588163 Fidelity Funds - Singapore FIL Investment A USD USD A USD Fund Management (Luxembourg) S.A. 14 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 240 Fidelity Funds - Taiwan A USD LU0075458603 Fidelity Funds - Taiwan Fund FIL Investment A USD USD Management (Luxembourg) S.A. 241 Fidelity Funds - Thailand A LU0048621477 Fidelity Funds - Thailand Fund FIL Investment A USD USD USD Management (Luxembourg) S.A. 242 Fidelity Funds - US Dollar LU0261952922 Fidelity Funds - US Dollar FIL Investment A USD USD Cash A Acc USD Cash Fund Management (Luxembourg) S.A. 243 Fidelity Funds - US High Yield LU0337581549 Fidelity Funds - US High Yield FIL Investment A EUR EUR A Acc EUR Hdg Fund Management (Luxembourg) S.A. 244 Fidelity Funds - US High Yield LU0532245395 Fidelity Funds - US High Yield FIL Investment A HKD HKD A MINCOME HKD Fund Management (Luxembourg) S.A. 245 Fidelity Funds - US High Yield LU0532245122 Fidelity Funds - US High Yield FIL Investment A USD USD A MINCOME USD Fund Management (Luxembourg) S.A. 246 First Sentier Asia Strategic IE0008370151 First Sentier Investors Global Self-Managed I USD USD Bond I Umbrella Fund plc - First Sentier Asia Strategic Bond Fund 247 FSSA Asian Equity Plus I Acc IE00B067MR52 First Sentier Investors Global Self-Managed I USD USD USD Umbrella Fund plc - FSSA Asian Equity Plus Fund 248 FSSA Asian Growth I Acc IE0008368411 First Sentier Investors Global Self-Managed I USD USD Umbrella Fund plc - FSSA Asian Growth Fund 249 FSSA China Focus I Acc IE00B29SXG58 First Sentier Investors Global Self-Managed I USD USD Umbrella Fund plc - FSSA China Focus Fund 250 FSSA China Growth I Acc IE0008368742 First Sentier Investors Global Self-Managed I USD USD Umbrella Fund plc - FSSA China Growth Fund 251 First Sentier Global Listed IE00B29SXL02 First Sentier Investors Self-Managed I USD USD Infrastructure I Global Umbrella Fund plc - First Sentier Global Listed Infrastructure Fund 252 FSSA Greater China Growth I IE0031814852 First Sentier Investors Global Self-Managed I USD USD Umbrella Fund plc - FSSA Greater China Growth Fund 253 FSSA Singapore and Malaysia IE0031814969 First Sentier Investors Global Self-Managed I USD USD Growth I Umbrella Fund plc - FSSA Singapore and Malaysia Growth Fund 254 Franklin Gold and Precious LU0496367417 Franklin Templeton Franklin Templeton A USD USD Metals A Acc $ Investment Funds - Franklin International Services Gold and Precious Metals S.a.r.l. Fund 255 Franklin Gold and Precious LU0498741114 Franklin Templeton Franklin Templeton A HKD HKD Metals A Acc HKD Investment Funds - Franklin International Services Gold and Precious Metals S.a.r.l. Fund 256 Franklin High Yield A MDis $ LU0065014192 Franklin Templeton Franklin Templeton A USD USD Investment Funds - Franklin International Services High Yield Fund S.a.r.l. 257 Franklin India A Acc $ LU0231203729 Franklin Templeton Franklin Templeton A USD USD Investment Funds - Franklin International Services India Fund S.a.r.l. 258 Franklin India A Acc HKD LU0708995666 Franklin Templeton Franklin Templeton A HKD HKD Investment Funds - Franklin International Services India Fund S.a.r.l. 259 Franklin MENA A Acc $ LU0352132103 Franklin Templeton Franklin Templeton A USD USD Investment Funds - Franklin International Services MENA Fund S.a.r.l. 260 Franklin Mutual European A LU0109981661 Franklin Templeton Franklin Templeton A USD USD Acc $ Investment Funds - Franklin International Services Mutual European Fund S.a.r.l. 261 Franklin Mutual Global Disc LU0211331839 Franklin Templeton Franklin Templeton A USD USD A Acc $ Investment Funds - Franklin International Services Mutual Global Discovery S.a.r.l. Fund Quilter international 15

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 262 Franklin Mutual U.S. Value A LU0070302665 Franklin Templeton Franklin Templeton A USD USD Acc $ Investment Funds - Franklin International Services Mutual U.S. Value Fund S.a.r.l. 263 Franklin Natural Resources LU0300736062 Franklin Templeton Franklin Templeton A USD USD A Acc $ Investment Funds - Franklin International Services Natural Resources Fund S.a.r.l. 264 Franklin Technology A Acc $ LU0109392836 Franklin Templeton Franklin Templeton A USD USD Investment Funds - Franklin International Services Technology Fund S.a.r.l. 265 Franklin US Government A LU0029872446 Franklin Templeton Franklin Templeton A MDIS USD USD MDis $ Investment Funds - Franklin International Services U.S. Government Fund S.a.r.l. 266 Franklin US Government A LU0496364315 Franklin Templeton Franklin Templeton A MDIS HKD HKD MDis HKD Investment Funds - Franklin International Services U.S. Government Fund S.a.r.l. 267 Franklin US Opportunities A LU0109391861 Franklin Templeton Franklin Templeton A USD USD Acc $ Investment Funds - Franklin International Services U.S. Opportunities Fund S.a.r.l. 268 Franklin US Opportunities A LU0708995401 Franklin Templeton Franklin Templeton A HKD HKD Acc HKD Investment Funds - Franklin International Services U.S. Opportunities Fund S.a.r.l. 269 HSBC GIF Brazil Equity A Acc LU0196696453 HSBC Global Investment HSBC Investment Funds A USD USD Funds - Brazil Equity (Luxembourg) S.A. 270 HSBC GIF Brazil Equity ADHKD LU0531971322 HSBC Global Investment HSBC Investment Funds AD HKD HKD Funds - Brazil Equity (Luxembourg) S.A. 271 HSBC GIF BRIC Equity A Acc LU0449509016 HSBC Global Investment HSBC Investment Funds A USD USD Funds - BRIC Equity (Luxembourg) S.A. 272 HSBC GIF BRIC Equity A HKD LU0531970944 HSBC Global Investment HSBC Investment Funds A HKD HKD Acc Funds - BRIC Equity (Luxembourg) S.A. 273 HSBC GIF Chinese Equity A LU0164865239 HSBC Global Investment HSBC Investment Funds A USD USD Acc Funds - Chinese Equity (Luxembourg) S.A. 274 HSBC GIF Chinese Equity A LU0531971595 HSBC Global Investment HSBC Investment Funds A HKD HKD HKD Inc Funds - Chinese Equity (Luxembourg) S.A. 275 HSBC GIF Euroland Value A LU0165074740 HSBC Global Investment HSBC Investment Funds A EUR EUR Funds - Euroland Value (Luxembourg) S.A. 276 HSBC GIF Global Emerging LU0054450605 HSBC Global Investment HSBC Investment Funds A USD USD Markets Equity A Inc Funds - Global Emerging (Luxembourg) S.A. Markets Equity 277 HSBC GIF Global Equity LU0323240290 HSBC Global Investment HSBC Investment Funds A USD USD Climate Change A Inc Funds - Global Equity Climate (Luxembourg) S.A. Change 278 HSBC GIF Hong Kong Equity LU0011817854 HSBC Global Investment HSBC Investment Funds P USD USD P Inc Funds - Hong Kong Equity (Luxembourg) S.A. 279 HSBC GIF Indian Equity A Acc LU0164881194 HSBC Global Investment HSBC Investment Funds A USD USD Funds - Indian Equity (Luxembourg) S.A. 280 HSBC GIF Indian Equity A LU0531971678 HSBC Global Investment HSBC Investment Funds A HKD HKD HKD Inc Funds - Indian Equity (Luxembourg) S.A. 281 HSBC GIF Russia Equity A LU0622169059 HSBC Global Investment HSBC Investment Funds A EUR EUR EUR Acc Funds - Russia Equity (Luxembourg) S.A. 282 HSBC GIF Russia Equity A LU0531971165 HSBC Global Investment HSBC Investment Funds A HKD HKD HKD Inc Funds - Russia Equity (Luxembourg) S.A. 283 HSBC GIF Russia Equity A Inc LU0329931173 HSBC Global Investment HSBC Investment Funds A USD USD Funds - Russia Equity (Luxembourg) S.A. 284 HSBC GIF Thai Equity A Inc LU0210637038 HSBC Global Investment HSBC Investment Funds A USD USD Funds - Thai Equity (Luxembourg) S.A. 285 Invesco ASEAN Equity A AD LU1775947333 Invesco Funds - Invesco Invesco Management S.A. A USD USD USD ASEAN Equity Fund 286 Invesco ASEAN Equity A HKD LU1775947259 Invesco Funds - Invesco Invesco Management S.A. A HKD HKD ASEAN Equity Fund 287 Invesco Asia Asset Allocation LU0367026217 Invesco Funds - Invesco Asia Invesco Management S.A. A USD USD A Acc Asset Allocation Fund 288 Invesco Asia Asset Allocation LU0482498259 Invesco Funds - Invesco Asia Invesco Management S.A. A EUR EUR A EUR Hdg Asset Allocation Fund 289 Invesco Asia Asset Allocation LU0580551074 Invesco Funds - Invesco Asia Invesco Management S.A. A HKD HKD A HKD Asset Allocation Fund 16 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 290 Invesco Asia Consumer LU0334857355 Invesco Funds - Invesco Asia Invesco Management S.A. A USD USD Demand A Acc Consumer Demand Fund 291 Invesco Asia Consumer LU0482497442 Invesco Funds - Invesco Asia Invesco Management S.A. A EUR EUR Demand A EUR Hdg Consumer Demand Fund 292 Invesco Asia Opportunities LU0075112721 Invesco Funds - Invesco Asia Invesco Management S.A. A USD USD Equity A Opportunities Equity Fund 293 Invesco Asian Flexible Bond A LU0717748130 Invesco Funds - Invesco Asian Invesco Management S.A. A HKD HKD HKD MD Flexible Bond Fund 294 Invesco Asian Flexible Bond A LU0717748213 Invesco Funds - Invesco Asian Invesco Management S.A. A USD USD USD Acc Flexible Bond Fund 295 Invesco Asian Equity A-AD LU1775951525 Invesco Funds - Invesco Asian Invesco Management S.A. A USD USD Equity Fund 296 Invesco Emerging Markets LU1775952507 Invesco Funds - Invesco Invesco Management S.A. A USD USD Equity A-AD Emerging Markets Equity Fund 297 Invesco Euro Ultra-Short LU0102737730 Invesco Funds - Invesco Euro Invesco Management S.A. A EUR EUR Term Debt A Acc Ultra-Short Term Debt Fund 298 Invesco Global Equity Income LU0607513230 Invesco Funds - Invesco Invesco Management S.A. A USD USD A $ Acc Global Equity Income Fund 299 Invesco Global Equity Income LU0794791870 Invesco Funds - Invesco Invesco Management S.A. A EUR EUR A € Hdg Acc Global Equity Income Fund 300 Invesco Global Health Care LU1775982595 Invesco Funds - Invesco Invesco Management S.A. A USD USD Innovation A Global Health Care Innovation Fund 301 Invesco Global Income Real LU0367025755 Invesco Funds - Invesco Invesco Management S.A. A USD USD Estate Securities A Acc Global Income Real Estate Securities Fund 302 Invesco Gold & Special LU0505655562 Invesco Funds - Invesco Gold Invesco Management S.A. A USD USD Minerals A & Special Minerals Fund 303 Invesco Gold & Special LU0503254152 Invesco Funds - Invesco Gold Invesco Management S.A. A EUR EUR Minerals A EUR Hgd & Special Minerals Fund 304 Invesco Greater China Equity LU0048816135 Invesco Funds - Invesco Invesco Management S.A. A USD USD A Greater China Equity Fund 305 Invesco Greater China Equity LU0482497798 Invesco Funds - Invesco Invesco Management S.A. A EUR EUR A EUR Hdg Greater China Equity Fund 306 Invesco Japanese Equity LU1489827839 Invesco Funds - Invesco Invesco Management S.A. A USD USD Dividend Growth A USD AD Japanese Equity Dividend Growth Fund 307 Invesco PRC Equity A EUR Hdg LU1775964932 Invesco Funds - Invesco PRC Invesco Management S.A. A EUR EUR Equity Fund 308 Invesco PRC Equity A HKD LU1775965152 Invesco Funds - Invesco PRC Invesco Management S.A. A HKD HKD Equity Fund 309 Invesco PRC Equity A-AD USD LU1775965582 Invesco Funds - Invesco PRC Invesco Management S.A. A USD USD Equity Fund 310 Invesco UK Equity A GBP AD LU1775979708 Invesco Funds - Invesco UK Invesco Management S.A. A GBP GBP Equity Fund 311 Ninety One GSF Global LU0345772692 Ninety One Global Strategy Ninety One Luxembourg A USD USD Dynamic A Acc Grs USD Fund - Global Dynamic Fund S.A. 312 Ninety One GSF Global LU0426412945 Ninety One Global Strategy Ninety One Luxembourg A USD USD Franchise A Acc Fund - Global Franchise Fund S.A. 313 Ninety One GSF Global Gold A LU0345780521 Ninety One Global Strategy Ninety One Luxembourg A USD USD Inc Grs USD Fund - Global Gold Fund S.A. 314 Ninety One GSF Global LU0345780950 Ninety One Global Strategy Ninety One Luxembourg A USD USD Natural Resources A Acc Grs Fund - Global Natural S.A. USD Resources Fund 315 Ninety One GSF Global LU0630314457 Ninety One Global Strategy Ninety One Luxembourg A HKD HKD Natural Resources A Acc HKD Fund - Global Natural S.A. Resources Fund 316 Ninety One GSF Global LU0345770308 Ninety One Global Strategy Ninety One Luxembourg A USD USD Strategic Equity A Grs USD Fund - Global Strategic Equity S.A. Acc Fund 317 Ninety One GSF Latin LU0492942718 Ninety One Global Strategy Ninety One Luxembourg A USD USD American Corporate Debt Fund - Latin American S.A. A$ Acc Corporate Debt Fund Quilter international 17

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 318 Ninety One GSF Sterling LU0345759160 Ninety One Global Strategy Ninety One Luxembourg A GBP GBP Money A Acc Grs GBP Fund - Sterling Money Fund S.A. 319 Janus Henderson Horizon LU0572942307 Janus Henderson Horizon Henderson Management A2 EUR EUR Asia-Pacific Property Income Fund - Asia-Pacific Property S.A. A2 EUR Income Fund 320 Janus Henderson Horizon LU0229494629 Janus Henderson Horizon Henderson Management A3 USD USD Asia-Pacific Property Income Fund - Asia-Pacific Property S.A. A3 Income Fund 321 Janus Henderson Horizon LU0327786827 Janus Henderson Horizon Henderson Management A1 USD USD China Opportunities A1 Fund - China Opportunities S.A. Fund 322 Janus Henderson Horizon LU0572944774 Janus Henderson Horizon Henderson Management A2 EUR EUR China Opportunities A2 EUR Fund - China Opportunities S.A. Fund 323 Janus Henderson Horizon LU0264738294 Janus Henderson Horizon Henderson Management A2 EUR EUR Global Property Equities A2 Fund - Global Property S.A. EUR Equities Fund 324 Janus Henderson Horizon LU0264739185 Janus Henderson Horizon Henderson Management A2 GBP GBP Global Property Equities A2 Fund - Global Property S.A. GBP Equities Fund 325 Janus Henderson Horizon LU0209137206 Janus Henderson Horizon Henderson Management A3q USD USD Global Property Equities A3q Fund - Global Property S.A. Equities Fund 326 Janus Henderson Horizon LU0209158467 Janus Henderson Horizon Henderson Management A1 USD USD Global Technology Leaders A1 Fund - Global Technology S.A. Leaders Fund 327 Janus Henderson Horizon LU0572952280 Janus Henderson Horizon Henderson Management A2 EUR EUR Global Technology Leaders Fund - Global Technology S.A. A2 EUR Leaders Fund 328 Janus Henderson Horizon LU0572952017 Janus Henderson Horizon Henderson Management A2 GBP GBP Global Technology Leaders Fund - Global Technology S.A. A2 GBP Leaders Fund 329 JPMorgan America Equity A LU0053666078 JPMorgan Funds - America JPMorgan Asset A USD USD (dist) USD Equity Fund Management (Europe) S.a’r.l. 330 JPMorgan ASEAN (acc) HKD HK0000123940 JPMorgan ASEAN Fund JPMorgan Funds (Asia) Acc HKD HKD Ltd. 331 JPMorgan ASEAN (acc) USD HK0000055555 JPMorgan ASEAN Fund JPMorgan Funds (Asia) Acc USD USD Ltd. 332 JPMorgan Asia Growth USD HK0000038148 JPMorgan Asia Growth Fund JPMorgan Funds (Asia) Acc USD USD Ltd. 333 JPMorgan Asian Total Return HK0000102936 JPMorgan Asian Total Return JPMorgan Funds (Asia) Mth HKD HKD Bond HKD Bond Fund Ltd. 334 JPMorgan Asian Total Return HK0000055597 JPMorgan Asian Total Return JPMorgan Funds (Asia) Mth USD USD Bond USD Inc Bond Fund Ltd. 335 JPMorgan Emerging Markets LU0072845869 JPMorgan Funds - Emerging JPMorgan Asset A EUR EUR Debt A EUR Hdg Inc Markets Debt Fund Management (Europe) S.a’r.l. 336 JPMorgan Emerging Markets LU0727846858 JPMorgan Funds - Emerging JPMorgan Asset A HKD HKD Debt A HKD Mth Markets Debt Fund Management (Europe) S.a’r.l. 337 JPMorgan Emerging Markets LU0471471150 JPMorgan Funds - Emerging JPMorgan Asset A USD USD Debt A USD Mth Markets Debt Fund Management (Europe) S.a’r.l. 338 JPMorgan Emerging Middle LU0083573666 JPMorgan Funds - Emerging JPMorgan Asset A USD USD East Equity A (dist) USD Middle East Equity Fund Management (Europe) S.a’r.l. 339 JPMorgan Global High Yield LU0727847666 JPMorgan Investment Funds - JPMorgan Asset A HKD HKD Bond A HKD Mth Global High Yield Bond Fund Management (Europe) S.a’r.l. 340 JPMorgan Global High Yield LU0356780857 JPMorgan Investment Funds - JPMorgan Asset A USD USD Bond A USD Mth Global High Yield Bond Fund Management (Europe) S.a’r.l. 341 JPMorgan Global Natural LU0266512127 JPMorgan Funds - Global JPMorgan Asset A USD USD Resources A (acc) USD Natural Resources Fund Management (Europe) S.a’r.l. 342 JPMorgan Global Natural LU0208853514 JPMorgan Funds - Global JPMorgan Asset A EUR EUR Resources A (dis) EUR Natural Resources Fund Management (Europe) S.a’r.l. 343 JPMorgan Greater China A LU0538203281 JPMorgan Funds - Greater JPMorgan Asset A HKD HKD (dist) HKD China Fund Management (Europe) S.a’r.l. 18 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 344 JPMorgan Greater China A LU0117841782 JPMorgan Funds - Greater JPMorgan Asset A USD USD (dist) USD China Fund Management (Europe) S.a’r.l. 345 JPMorgan India A USD Acc LU0210527015 JPMorgan Funds - India Fund JPMorgan Asset A USD USD Management (Europe) S.a’r.l. 346 JPMorgan Korea Equity A (acc) LU0301634860 JPMorgan Funds - Korea JPMorgan Asset A USD USD USD Equity Fund Management (Europe) S.a’r.l. 347 JPMorgan Multi Income (mth) HK0000122462 JPMorgan Multi Income Fund JPMorgan Funds (Asia) Mth EUR EUR EUR Hdg Ltd. 348 JPMorgan Multi Income (mth) HK0000122470 JPMorgan Multi Income Fund JPMorgan Funds (Asia) Mth GBP GBP GBP Hdg Ltd. 349 JPMorgan Multi Income (mth) HK0000084514 JPMorgan Multi Income Fund JPMorgan Funds (Asia) Mth USD USD USD Ltd. 350 JPMorgan Pacific Technology HK0000055761 JPMorgan Pacific Technology JPMorgan Funds (Asia) Acc USD USD (acc) USD Fund Ltd. 351 JPMorgan Russia A (dist) USD LU0215049551 JPMorgan Funds - Russia JPMorgan Asset A USD USD Fund Management (Europe) S.a’r.l. 352 JPMorgan Taiwan A (dist) HKD LU0538203950 JPMorgan Funds - Taiwan JPMorgan Asset A HKD HKD Fund Management (Europe) S.a’r.l. 353 JPMorgan Taiwan A (dist) USD LU0117843481 JPMorgan Funds - Taiwan JPMorgan Asset A USD USD Fund Management (Europe) S.a’r.l. 354 JPMorgan Thailand (acc) USD HK0000055787 JPMorgan Thailand Fund JPMorgan Funds (Asia) Acc USD USD Ltd. 355 JPMorgan US Technology A LU0082616367 JPMorgan Funds - US JPMorgan Asset A USD USD (dist) USD Technology Fund Management (Europe) S.a’r.l. 356 Jupiter European Growth L £ LU0329190499 The Jupiter Global Fund - Jupiter Asset Management L GBP GBP Jupiter European Growth International S.A. 357 Jupiter European Growth L € LU0260085492 The Jupiter Global Fund - Jupiter Asset Management L EUR EUR Jupiter European Growth International S.A. 358 Jupiter Financial Innovation LU0262307720 The Jupiter Global Fund - Jupiter Asset Management L USD USD L $ Jupiter Financial Innovation International S.A. 359 Jupiter Financial Innovation LU0262308454 The Jupiter Global Fund - Jupiter Asset Management L GBP GBP L £ Jupiter Financial Innovation International S.A. 360 Jupiter Financial Innovation LU0262307480 The Jupiter Global Fund - Jupiter Asset Management L EUR EUR L € Jupiter Financial Innovation International S.A. 361 Jupiter Global Ecology Growth LU0300038618 The Jupiter Global Fund Jupiter Asset Management L USD USD Fund L $ - Jupiter Global Ecology International S.A. Growth 362 Jupiter Global Ecology Growth LU0279091325 The Jupiter Global Fund Jupiter Asset Management L GBP GBP Fund L £Inc - Jupiter Global Ecology International S.A. Growth 363 Jupiter Global Ecology Growth LU0231118026 The Jupiter Global Fund Jupiter Asset Management L EUR EUR Fund L €Acc - Jupiter Global Ecology International S.A. Growth 364 Jupiter India Select L EUR LU0329070915 The Jupiter Global Fund - Jupiter Asset Management L EUR EUR Jupiter India Select International S.A. 365 Jupiter India Select L GBP LU0329071053 The Jupiter Global Fund - Jupiter Asset Management L GBP GBP Jupiter India Select International S.A. 366 Jupiter India Select L USD LU0365089902 The Jupiter Global Fund - Jupiter Asset Management L USD USD Jupiter India Select International S.A. 367 Matthews Asia Asia Dividend LU0594556309 Matthews Asia Funds - Asia Carne Global Fund A GBP GBP A GBP Dividend Fund Managers (Luxembourg) S.A. 368 Matthews Asia Asia Dividend LU0491817952 Matthews Asia Funds - Asia Carne Global Fund A USD USD A USD Dividend Fund Managers (Luxembourg) S.A. 369 Matthews Asia China A GBP LU0594555913 Matthews Asia Funds - China Carne Global Fund A GBP GBP Fund Managers (Luxembourg) S.A. 370 Matthews Asia China A USD LU0491816806 Matthews Asia Funds - China Carne Global Fund A USD USD Fund Managers (Luxembourg) S.A. 371 Matthews Asia Pacific Tiger LU0594555590 Matthews Asia Funds - Pacific Carne Global Fund A GBP GBP A GBP Tiger Fund Managers (Luxembourg) S.A. Quilter international 19

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 372 Matthews Asia Pacific Tiger LU0491815824 Matthews Asia Funds - Pacific Carne Global Fund A USD USD A USD Tiger Fund Managers (Luxembourg) S.A. 373 Merian Asian Equity Income IE00B54YL325 Jupiter Asset Management Jupiter Asset L (USD) USD USD Acc Series plc - Merian Asian Management (Europe) Accumulation Equity Income Fund Limited 374 Merian Asian Equity Income IE00BRJ6H844 Jupiter Asset Management Jupiter Asset L (USD) Income USD USD Inc Series plc - Merian Asian Management (Europe) Equity Income Fund Limited 375 Jupiter Europe (ex UK) Smaller IE00BRTNPV46 Jupiter Asset Management Jupiter Asset L (EUR) EUR EUR Companies EUR Acc Series plc - Jupiter Europe (ex Management (Europe) Accumulation UK) Smaller Companies Fund Limited 376 Merian European Equity EUR IE0005264092 Jupiter Asset Management Jupiter Asset L (EUR) EUR EUR Acc Series plc - Merian European Management (Europe) Accumulation Equity Fund Limited 377 Jupiter Merian Global Equity IE00BYM85152 Jupiter Asset Management Jupiter Asset L (USD) Income USD USD Income (IRL) Inc Series plc - Jupiter Merian Management (Europe) Global Equity Income Fund Limited (IRL) 378 Jupiter Merian North IE0031385887 Jupiter Asset Management Jupiter Asset L (USD) USD USD American Equity (IRL) USD Acc Series plc - Jupiter Merian Management (Europe) Accumulation North American Equity Fund Limited (IRL) 379 Jupiter Pacific Equity Acc IE0005264431 Jupiter Asset Management Jupiter Asset L (USD) USD USD Series plc - Jupiter Pacific Management (Europe) Accumulation Equity Fund Limited 380 Jupiter UK Alpha (IRL) L GBP IE00BFWH6491 Jupiter Asset Management Jupiter Asset L (GBP) GBP GBP Acc Series plc - Jupiter UK Alpha Management (Europe) Accumulation Fund (IRL) Limited 381 Jupiter UK Alpha (IRL) L GBP IE00BK0SMQ34 Jupiter Asset Management Jupiter Asset L (GBP) Income GBP GBP Inc Series plc - Jupiter UK Alpha Management (Europe) Fund (IRL) Limited 382 Jupiter UK Alpha (IRL) L USD IE00BFWH6509 Jupiter Asset Management Jupiter Asset L (USD) USD USD Acc Series plc - Jupiter UK Alpha Management (Europe) Accumulation Fund (IRL) Limited 383 Jupiter Merian World Equity L IE0005263466 Jupiter Asset Management Jupiter Asset L (USD) USD USD Series plc - Jupiter Merian Management (Europe) Accumulation World Equity Fund Limited 384 MFS Meridian Emerging LU0219422606 MFS Meridian Funds - MFS Investment A1 EUR EUR Markets Debt A1 EUR Emerging Markets Debt Fund Management Company (Lux) S.a.r.l 385 MFS Meridian Emerging LU0219432159 MFS Meridian Funds - MFS Investment A1 GBP GBP Markets Debt A1 GBP Emerging Markets Debt Fund Management Company (Lux) S.a.r.l 386 MFS Meridian Emerging LU0125948108 MFS Meridian Funds - MFS Investment A1 USD USD Markets Debt A1 USD Emerging Markets Debt Fund Management Company (Lux) S.a.r.l 387 MFS Meridian Global High LU0035377810 MFS Meridian Funds - Global MFS Investment A1 USD USD Yield A1 USD High Yield Fund Management Company (Lux) S.a.r.l 388 MFS Meridian Global Total LU0219418836 MFS Meridian Funds - Global MFS Investment A1 EUR EUR Return A1 EUR Total Return Fund Management Company (Lux) S.a.r.l 389 MFS Meridian Global Total LU0219431771 MFS Meridian Funds - Global MFS Investment A1 GBP GBP Return A1 GBP Total Return Fund Management Company (Lux) S.a.r.l 390 MFS Meridian Global Total LU0219441499 MFS Meridian Funds - Global MFS Investment A1 USD USD Return A1 USD Total Return Fund Management Company (Lux) S.a.r.l 391 MFS Meridian Latin American LU0406714989 MFS Meridian Funds - Latin MFS Investment A1 EUR EUR Equity A1 EUR American Equity Fund Management Company (Lux) S.a.r.l 392 MFS Meridian Latin American LU0406714716 MFS Meridian Funds - Latin MFS Investment A1 USD USD Equity A1 USD American Equity Fund Management Company (Lux) S.a.r.l 393 MFS Meridian Limited LU0219442893 MFS Meridian Funds - Limited MFS Investment A1 USD USD Maturity A1 USD Maturity Fund Management Company (Lux) S.a.r.l 394 MFS Meridian U.S. Total LU0219442976 MFS Meridian Funds - U.S. MFS Investment A1 USD USD Return Bond A1 USD Total Return Bond Fund Management Company (Lux) S.a.r.l 20 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 395 MFS Meridian US Value A1 LU0125979160 MFS Meridian Funds - U.S. MFS Investment A1 USD USD USD Value Fund Management Company (Lux) S.a.r.l 396 Mirae Asset Asia Great LU0593848301 Mirae Asset Global Discovery FundRock Management A USD USD Consumer Equity A $ Fund - Mirae Asset Asia Great Company S.A. Consumer Equity Fund 397 BNP Paribas Funds Emerging LU0823389852 BNP Paribas Funds Emerging BNP Paribas Asset C USD USD Bond Opportunities C C Bond Opportunities Management Luxembourg 398 BNP Paribas Funds Local LU0823386163 BNP Paribas Funds Local BNP Paribas Asset C USD USD Emerging Bond C C Emerging Bond Management Luxembourg 399 BNP Paribas Funds Local LU0823385272 BNP Paribas Funds Local BNP Paribas Asset C EUR EUR Emerging Bond C EUR C Emerging Bond Management Luxembourg 400 BNP Paribas Funds Disruptive LU0823421689 BNP Paribas Funds Disruptive BNP Paribas Asset C EUR EUR Technology C C Technology Management Luxembourg 401 BNP Paribas Funds Disruptive LU0823421333 BNP Paribas Funds Disruptive BNP Paribas Asset C USD USD Technology C USD C Technology Management Luxembourg 402 BNP Paribas Funds Energy LU0823414635 BNP Paribas Funds Energy BNP Paribas Asset C EUR EUR Transition C C Transition Management Luxembourg 403 BNP Paribas Funds Energy LU0823414478 BNP Paribas Funds Energy BNP Paribas Asset C USD USD Transition C USD C Transition Management Luxembourg 404 BNP Paribas Funds Brazil LU0265266980 BNP Paribas Funds Brazil BNP Paribas Asset C USD USD Equity C C Equity Management Luxembourg 405 BNP Paribas Funds China LU0823426308 BNP Paribas Funds China BNP Paribas Asset C USD USD Equity C C Equity Management Luxembourg 406 BNP Paribas Funds China LU0823425839 BNP Paribas Funds China BNP Paribas Asset C EUR EUR Equity C EUR C Equity Management Luxembourg 407 BNP Paribas Funds Russia LU0823431720 BNP Paribas Funds Russia BNP Paribas Asset C EUR EUR Equity C C Equity Management Luxembourg 408 BNP Paribas Funds Russia LU0823431563 BNP Paribas Funds Russia BNP Paribas Asset C USD USD Equity C USD C Equity Management Luxembourg 409 BNP Paribas Funds Emerging LU0823413587 BNP Paribas Funds Emerging BNP Paribas Asset C USD USD Equity C C Equity Management Luxembourg 410 BNP Paribas Funds Emerging LU0823413074 BNP Paribas Funds Emerging BNP Paribas Asset C EUR EUR Equity C EUR C Equity Management Luxembourg 411 BNP Paribas Funds Health LU0823416762 BNP Paribas Funds Health BNP Paribas Asset C EUR EUR Care Innovators C C Care Innovators Management Luxembourg 412 BNP Paribas Funds Health LU0823416689 BNP Paribas Funds Health BNP Paribas Asset C USD USD Care Innovators C USD Care Innovators Management Luxembourg 413 Pictet Nutrition P EUR LU0366534344 Pictet - Nutrition Pictet Asset Management P EUR EUR (Europe) S.A. 414 Pictet Nutrition P USD LU0428745748 Pictet - Nutrition Pictet Asset Management P USD USD (Europe) S.A. 415 Pictet Premium Brands P EUR LU0217139020 Pictet - Premium Brands Pictet Asset Management P EUR EUR (Europe) S.A. 416 Pictet Premium Brands P USD LU0280433847 Pictet - Premium Brands Pictet Asset Management P USD USD (Europe) S.A. 417 Pictet Timber P EUR LU0340559557 Pictet - Timber Pictet Asset Management P EUR EUR (Europe) S.A. 418 Pictet Timber P USD LU0340557775 Pictet - Timber Pictet Asset Management P USD USD (Europe) S.A. 419 Pictet Water P EUR LU0104884860 Pictet - Water Pictet Asset Management P EUR EUR (Europe) S.A. 420 Pictet Water P USD LU0255980327 Pictet - Water Pictet Asset Management P USD USD (Europe) S.A. 421 PIMCO Asia Strategic Interest IE00B3Q9WN89 PIMCO Funds: Global PIMCO Global Advisors E EUR EUR Bond E EUR Investors Series Plc - Asia (Ireland) Limited Strategic Interest Bond Fund 422 PIMCO Asia Strategic Interest IE00B464Q616 PIMCO Funds: Global PIMCO Global Advisors E USD USD Bond E USD Investors Series Plc - Asia (Ireland) Limited Strategic Interest Bond Fund Quilter international 21

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 423 PineBridge Hong Kong Dollar HK0000133063 Pinebridge Fund Series - Pinebridge Investments Acc HKD HKD Money Market PineBridge Hong Kong Dollar Hong Kong Limited Money Market Fund 424 Pinebridge India Equity A IE00B0JY6M65 PineBridge Global Funds - Pinebridge Investments A Units USD USD PineBridge India Equity Fund Ireland Limited 425 PineBridge Latin America IE00B1B80R65 PineBridge Global Funds - PineBridge Investments A USD USD Equity A Pinebridge Latin America Ireland Limited Equity Fund 426 Schroder Asian Bond Total LU0106250508 Schroder International Schroder Investment A USD USD Return A Acc Selection Fund - Asian Bond Management Total Return (Luxembourg) S.A. 427 Schroder BRIC A LU0228659784 Schroder International Schroder Investment A USD USD Selection Fund - BRIC (Brazil, Management Russia, India, China) (Luxembourg) S.A. 428 Schroder BRIC A EUR LU0232931963 Schroder International Schroder Investment A EUR EUR Selection Fund - BRIC (Brazil, Management Russia, India, China) (Luxembourg) S.A. 429 Schroder BRIC A GBP LU0242619723 Schroder International Schroder Investment A GBP GBP Selection Fund - BRIC (Brazil, Management Russia, India, China) (Luxembourg) S.A. 430 Schroder Emerging Markets LU0106252389 Schroder International Schroder Investment A USD USD A Acc Selection Fund - Emerging Management Markets (Luxembourg) S.A. 431 Schroder Emerging Markets LU0248176959 Schroder International Schroder Investment A EUR EUR A EUR Selection Fund - Emerging Management Markets (Luxembourg) S.A. 432 Schroder Emerging Markets LU0106253197 Schroder International Schroder Investment A USD USD Debt Absolute Return A Acc Selection Fund - Emerging Management Markets Debt Absolute (Luxembourg) S.A. Return 433 Schroder Emerging Markets LU0177592218 Schroder International Schroder Investment A EUR EUR Debt Absolute Return A EUR Selection Fund - Emerging Management H Acc Markets Debt Absolute (Luxembourg) S.A. Return 434 Schroder Euro Corporate LU0113257694 Schroder International Schroder Investment A EUR EUR Bond A Acc Selection Fund - EURO Management Corporate Bond (Luxembourg) S.A. 435 Schroder Global Cities A LU0224508324 Schroder International Schroder Investment A USD USD Selection Fund - Global Cities Management (Luxembourg) S.A. 436 Schroder Global Climate LU0302446645 Schroder International Schroder Investment A EUR EUR Change Equity A EUR Selection Fund - Global Management Climate Change Equity (Luxembourg) S.A. 437 Schroder Global Climate LU0302445910 Schroder International Schroder Investment A USD USD Change Equity A USD Selection Fund - Global Management Climate Change Equity (Luxembourg) S.A. 438 Schroder Global Corporate LU0106258311 Schroder International Schroder Investment A USD USD Bond A Acc Selection Fund - Global Management Corporate Bond (Luxembourg) S.A. 439 Schroder Global High Yield A LU0189893018 Schroder International Schroder Investment A USD USD USD Acc Selection Fund - Global High Management Yield (Luxembourg) S.A. 440 Schroder Greater China A Acc LU0140636845 Schroder International Schroder Investment A USD USD Selection Fund - Greater Management China (Luxembourg) S.A. 441 Schroder Greater China A EUR LU0365775922 Schroder International Schroder Investment A EUR EUR Selection Fund - Greater Management China (Luxembourg) S.A. 442 Schroder Hong Kong Dollar LU0149525270 Schroder International Schroder Investment A HKD HKD Bond A Acc Selection Fund - Hong Kong Management Dollar Bond (Luxembourg) S.A. 443 Schroder Hong Kong Equity A LU0149534421 Schroder International Schroder Investment A HKD HKD Selection Fund - Hong Kong Management Equity (Luxembourg) S.A. 444 Schroder Hong Kong Equity LU0607220059 Schroder International Schroder Investment A USD USD A USD Selection Fund - Hong Kong Management Equity (Luxembourg) S.A. 445 Schroder Middle East EUR A LU0316459139 Schroder International Schroder Investment A EUR EUR Selection Fund - Middle East Management (Luxembourg) S.A. 446 Schroder Middle East USD A LU0314587907 Schroder International Schroder Investment A USD USD Selection Fund - Middle East Management (Luxembourg) S.A. 22 Investment choices for the Wealth Management Plan

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlying fund company of class of investment underlying underlying fund underlying choice fund fund 447 Schroder QEP Global Active LU0203345920 Schroder International Schroder Investment A USD USD Value A Acc Selection Fund - QEP Global Management Active Value (Luxembourg) S.A. 448 Templeton Asian Bond A Acc $ LU0229949994 Franklin Templeton Franklin Templeton A USD USD Investment Funds - International Services Templeton Asian Bond Fund S.a.r.l. 449 Templeton Asian Growth A LU0128522157 Franklin Templeton Franklin Templeton A USD USD Acc $ Investment Funds - International Services Templeton Asian Growth S.a.r.l. Fund 450 Templeton Asian Growth A LU0229940001 Franklin Templeton Franklin Templeton A EUR EUR Acc € Investment Funds - International Services Templeton Asian Growth S.a.r.l. Fund 451 Templeton Asian Growth A LU0543330483 Franklin Templeton Franklin Templeton A HKD HKD Acc HKD Investment Funds - International Services Templeton Asian Growth S.a.r.l. Fund 452 Templeton BRIC A Acc $ LU0229945570 Franklin Templeton Franklin Templeton A USD USD Investment Funds - International Services Templeton BRIC Fund S.a.r.l. 453 Templeton BRIC A Acc € LU0229946628 Franklin Templeton Franklin Templeton A EUR EUR Investment Funds - International Services Templeton BRIC Fund S.a.r.l. 454 Templeton BRIC A Acc HKD LU0543330566 Franklin Templeton Franklin Templeton A HKD HKD Investment Funds - International Services Templeton BRIC Fund S.a.r.l. 455 Templeton Emerging Markets LU0128522744 Franklin Templeton Franklin Templeton A USD USD A Acc $ Investment Funds - International Services Templeton Emerging Markets S.a.r.l. Fund 456 Templeton Emerging Markets LU0441901922 Franklin Templeton Franklin Templeton A MDIS USD USD Bond A MDis $ Investment Funds - International Services Templeton Emerging Markets S.a.r.l. Bond Fund 457 Templeton Emerging Markets LU0708994347 Franklin Templeton Franklin Templeton A MDIS HKD HKD Bond A MDis HKD Investment Funds - International Services Templeton Emerging Markets S.a.r.l. Bond Fund 458 Templeton Emerging Markets LU0300738514 Franklin Templeton Franklin Templeton A USD USD Smaller Companies A Acc $ Investment Funds - International Services Templeton Emerging Markets S.a.r.l. Smaller Companies Fund 459 Templeton Emerging Markets LU0300743431 Franklin Templeton Franklin Templeton A EUR EUR Smaller Companies A Acc € Investment Funds - International Services Templeton Emerging Markets S.a.r.l. Smaller Companies Fund 460 Templeton Global A Acc $ LU0128525929 Franklin Templeton Franklin Templeton A USD USD Investment Funds - International Services Templeton Global Fund S.a.r.l. 461 Templeton Global A Acc HKD LU0708994859 Franklin Templeton Franklin Templeton A HKD HKD Investment Funds - International Services Templeton Global Fund S.a.r.l. 462 Templeton Global Bond A LU0252652382 Franklin Templeton Franklin Templeton A USD USD Acc $ Investment Funds - International Services Templeton Global Bond Fund S.a.r.l. 463 Templeton Global Bond A LU0294219869 Franklin Templeton Franklin Templeton A€-H1 EUR EUR Acc €-H1 Investment Funds - International Services Templeton Global Bond Fund S.a.r.l. 464 Templeton Global Bond A LU0476943880 Franklin Templeton Franklin Templeton A HKD HKD Acc HKD Investment Funds - International Services Templeton Global Bond Fund S.a.r.l. 465 Templeton Latin America A LU0128526570 Franklin Templeton Franklin Templeton A USD USD Acc $ Investment Funds - International Services Templeton Latin America S.a.r.l. Fund 466 Value Partners China K YG9317Q1047 Value Partners Intelligent Value Partners Limited A USD USD Convergence A Funds - China Convergence Fund 467 Value Partners Mainland K YG9317Q1120 Value Partners Intelligent Value Partners Limited A USD USD Focus A Funds - Chinese Mainland Focus Fund Quilter international 23

The Investment Choices Listed in the Following Table Correspond to Underlying Funds which are Exchange Traded Funds (ETF) Authorised by The SFC and the Dealing Instructions are Executed at The Hong Kong Stock Exchange:

Name of investment Reference code Name of corresponding Name of management Share Currency of Currency of choice underlyling fund company of class of investment underlying underlying fund underlying choice fund fund A Xtrackers MSCI Korea LU0292100046 Xtrackers MSCI Korea UCITS ETF DWS Investment S.A. n/a HKD HKD UCITS ETF B Xtrackers MSCI Taiwan LU0292109187 Xtrackers MSCI Taiwan UCITS DWS Investment S.A. n/a HKD HKD UCITS ETF ETF C iShares Core S&P BSE HK2836036130 iShares Asia Trust - iShares Core BlackRock Asset n/a HKD HKD SENSEX India ETF S&P BSE SENSEX India ETF Management North Asia Limited D iShares MSCI Emerging HK0000051851 iShares Asia Trust - iShares MSCI BlackRock Asset n/a HKD HKD Asia ETF Emerging Asia ETF Management North Asia Limited E SPDR Gold Shares US78463V1070 SPDR Gold Trust World Gold Trust Services, n/a HKD HKD LLC F Value Gold ETF HK0000071313 Value Gold ETF Sensible Asset n/a HKD HKD Management Hong Kong Limited 24 Investment choices for the Wealth Management Plan

Risk factors

Investing in the underlying funds Where an underlying fund holds any corresponding to the investment investments in currencies other than choices contained in this document the denomination currency of the will involve different risks. Please note underlying fund, there may be that you should ensure you additional risks because of exchange understand and refer to the relevant rate fluctuations. offering documents of the underlying Additional risk factors funds for the risk factors and other details including the fees and charges Some underlying funds may use of the underlying funds. financial instruments such as currency forward contracts, futures, options, General risk factors debt obligations, swaps, over-the- Diversifying your investment is counter derivatives, etc for hedging important but there is no guarantee purposes, efficient portfolio that it can avoid wider economic management or as part of the issues or market fluctuation. Before investment policy. They may be highly investing, you should consider the volatile and of high risk. These risks involved such as but not limited underlying funds may be exposed to to sector, political stability, foreign insolvency risk related to third party exchange, interest rate, inflation, institutions. Please refer to the credit, counterparty and liquidity. respective offering documents/ Please also be aware of those prospectus of the underlying funds for underlying funds that focus on all specific risks involved. investing in a single sector, This product is a life assurance policy geographical area or country because issued by Quilter International. Your of the concentration. You may refer to investments are subject to the credit the offering documents of the and insolvency risks of underlying funds for the associated Quilter International. risks. The offering documents are made available from the financial Investment involves risks. You should adviser or at our Hong Kong office. always discuss your financial requirements and risk tolerance level Past performance is not necessarily a with your financial adviser in the first guide to future performance, and the instance before making investment value of the ILAS policy is not decisions. guaranteed as the prices of units of the Investment Choices may fall as well as rise. Quilter international 25

Further risk factors of Exchange Please note that when placing a Traded Funds (ETFs) – related request to switch in/out of an Investment Choices Investment Choice linked with an ETFs are exposed to the economic, underlying ETF of either a certain political, currency, legal and other value or number of units of the risks of a specific sector or market Investment Choice, the request will related to the index and the market need to be in a lot size acceptable for that it is tracking. the applicable underlying ETF (i.e. ETFs tend to be traded in round lots of Like all investments, ETFs may be either 5, 10 or 100 units depending on subject to tax imposed by the local the ETF). For monetary value orders authorities in the market related to (which are orders to purchase a given the index that it tracks and risks in monetary value of an Investment relation to the change of policy of the Choice, as opposed to a given number reference market. of units of that Investment Choice), Some ETFs may be subject to there is the risk that your order will concentration risk as a result of need to be reduced to fit to an tracking the performance of a single acceptable lot size. geographical region. If trading in the underlying ETF of your ETFs are not actively managed and will Investment Choice is suspended on not adopt any temporary defensive the Hong Kong Stock Exchange, then position against any market downturn. we will not process the switch So, it will decrease in value when the requests until the suspension has index drops. Investors may suffer been lifted. If we know of the losses. suspension, then Wealth Interactive will provide a flag to you and not allow There may be risks associated to your switch request to be submitted. tracking error. There is no assurance If we do not know yet that an that the performance of the ETFs will underlying ETF in relation to your be identical to the performance of the switch request has been suspended, respective indices. The returns of the then Wealth Interactive will accept ETFs may differ from the indices due your switch request, but then reject it to the fees and charges of the ETFs later on in the dealing process. You will and market liquidity. then be informed of the rejection of Please note that listing or trading on a your switch request via your online stock exchange does not guarantee service account. that a liquid market exists for an ETF. You should refer to the offering documents of the underlying ETF which are made available by your financial adviser in the first instance or Quilter International, for the risks involved in investing in a particular underlying ETF. 26 Investment choices for the Wealth Management Plan

Supplementary information related to selecting Investment Choices linked to Exchange Traded Funds (ETFs)

Price information made round lots of either 5, 10 or 100 units available to you depending on the ETF. You will be Please note that Wealth Interactive, our alerted immediately (via your online online service, does not provide service account) if your request does not intra-day prices of the ETF-related match the required lot size. For Investment Choices made available to monetary value orders (which are orders you. In other words, we do not provide to purchase a given monetary value of continuously updated prices for such an Investment Choice, as opposed to a Investment Choices over the course of a given number of units of that Investment trading day. Instead, Wealth Interactive Choice), there is the risk that your order will provide you the previous day’s will need to be reduced to fit to an closing price. For example, if you are acceptable lot size. interested in switching into an ETF- Timing of placing your related Investment Choice, the previous switch request day’s closing offer price will be available Quilter International places all ETF- on Wealth Interactive. Alternatively, if you related dealing instructions with our are interested in switching out of an chosen stockbroker within an hour of ETF-related Investment Choice, the your online switch request being previous day’s closing bid price will also submitted to us. If your online switch be available on Wealth Interactive. You request instruction is submitted to us will need to await our market within an hour of the stock market confirmation, which we will make closing time, we may only place the available to you in your online account, dealing instruction at the beginning of to ascertain the actual price and number the next trading day. For online switch of units executed of any orders you have request instructions submitted to us placed. For more information on the outside of stock market opening hours, underlying ETF, please refer to the we should also place those dealing offering documents of the underlying instructions at the beginning of the ETF. The offering documents also next trading day. If your switch request contain details of the relevant website of instruction is submitted offline (e.g. via the underlying ETF that provides fax, hard copies), it will normally be information on the intra-day prices of processed by the Head Office on the the underlying ETF. same or next Working Day, and subject Lot size requirements to the switch request being a valid When placing a switch request in respect instruction, the dealing instruction will of an ETF-related Investment Choice, you be placed on the next trading day. It is can select to switch in/ out of either a therefore important to note that any certain value or number of units of the ETF-related switch requests do not get Investment Choice. However, such processed on an instantaneous basis. requests will need to be in a lot size You will however be able to track your acceptable for the applicable underlying switch request via your online service ETF. Note that ETFs tend to be traded in account, so its progress would be Quilter international 27

evident to you. Once executed, you will Investment Choice. In this case the receive electronic confirmation of the stockbroker charges/levies will be split switch transaction via notification in amongst our clients in the proportion of your online service account. Please the value of executed trades. refer to the section ‘Valuation’ on page Impact of a suspension of an ETF 28 for details about the time of underlying investment choice allocation for investment in respect of regular premium. If trading in the underlying ETF of your Investment Choice is suspended on the Impact of stock market opening Hong Kong Stock Exchange, then we will hours and liquidity not process the switch requests until the For the ETF-related Investment Choices suspension has been lifted, as explained made available to you, our stockbroker in the section ‘Further risk factors of will exclusively use the Hong Kong Stock Exchange Traded Funds (ETFs)-related Exchange to execute the dealing Investment Choices, on page 25. instructions we send to them. Therefore, Important information the timing of execution will be dependent on the Hong Kong Stock It is important to note that Wealth Exchange opening hours and whether Interactive is not an appropriate there is sufficient liquidity in this market. platform for carrying out intra-day If there is insufficient liquidity for our trading of ETF-related Investment stockbroker to execute your ETF-related Choices. This is because your switch dealing instruction, your switch requests will not be executed instruction may be executed in not just instantaneously and the price one but several transactions, the details information provided to you through the of which will be confirmed to your online platform could be very different to the service account. actual price at the time that you submit your ETF-related switch request (i.e. we Stockbroker charges/levies do not update the price of ETF-related When we place dealing instructions with Investment Choices throughout the our stockbroker, you will bear all the course of a trading day). The price of stockbroker charges/levies in respect of execution of your switch request could the trade request relating to your switch also be very different to the actual price instruction. The charges will form part of of the underlying ETF at the time that the confirmation of executed switch you submit your switch request. We request, which we will make available to therefore recommend that you exercise you in your online account or if you do caution when using Wealth Interactive not have an online account, the when switching in and out of the confirmation notice which will be sent to ETF-related Investment Choices and that you by post. We reserve the right to you do not use Wealth Interactive if your aggregate ETF-related switch aim is to make short-term profits from instructions which would involve placing switching in and out of ETF-related one dealing instruction with our Investment Choices. stockbroker on behalf of several client switch requests in the same ETF-related 28 Investment choices for the Wealth Management Plan

Valuation

In respect of Investment Choices of The unit prices of the Investment which the underlying funds are not Choices are equal to the unit prices of ETFs, any transaction requests the underlying funds which are submitted online will be processed and determined by the respective fund the dealing instruction will be placed management companies. Please refer on the next available dealing date in to the section ‘Calculating the Policy line with the dealing criteria of the Value‘ on page 11 of the product respective underlying fund and brochure for details. determined by the fund management Regular premium paid will not be company of the underlying fund, allocated for investment in Investment following the receipt of the instruction. Choices (of which the underlying It may change in circumstances due to funds are/are not ETFs) immediately, decisions or actions by the fund and will be held in the Transaction management company, for instance Account until the next available suspension of or restriction on dealing, allocation date, which will be the unavailability of fund prices of the earlier of the following 15th of the underlying fund, etc. Any transaction month in which the payment was requests submitted offline (e.g. via fax, made or 1st of the following month (or hard copies) will be normally processed if it is non-dealing date, the next by the Head Office on the same or available dealing date). next Working Day, and subject to the transaction request being a valid In respect of Investment Choices of instruction, the dealing instruction will which the underlying funds are ETFs, be placed on the next available dealing the details are found in the section date in line with the dealing criteria of ‘Price information made available to the respective underlying fund. you‘ under ‘Supplementary information related to selecting Investment Choices linked to Exchange Traded Funds (ETFs)‘ on page 26. Quilter international 29

Removal of access to an Investment Choice

Quilter International has the right to In such circumstances, the relevant stop promoting and making available to holdings in the underlying funds prospective investors, or stop accepting corresponding to the Investment additional investment by existing clients Choices concerned will be redeemed in respect of any Investment Choice if and paid back to the corresponding considered necessary. The decision Transaction Account. We will use our may be made by Quilter International best endeavours to give you at least on the basis of a number of factors, one month’s advance notice or such which include but not limited to shorter period of notice as complies commercial consideration, merger, with the relevant regulatory de-authorisation or termination of the requirements. underlying fund, and/or closure for further subscription. 30 Investment choices for the Wealth Management Plan

Glossary

Head office Account will be created in each respective currency of the Investment refers to our office in the Isle of Man. Choices you have selected. The balance in the Transaction Account Investment Choices can be made up of any premiums just received, proceeds from redemption refer to the investment choices of Investment Choices temporarily available to you under this ILAS policy placed in the Transaction Account(s) which cover a wide range of assets but awaiting investment, or any including unit trusts/mutual funds and distributions received from your exchange traded funds. These are Investment Choices. Any charges will known as ‘underlying funds’ and be deducted against the Transaction correspond to your selected Account in the currency the Plan is investment choices. denominated in. In the event that the balance in the Transaction Account is Plan insufficient to settle the charges, the refers to the Wealth Management Plan Investment Choice which you have which is a whole of life, investment- previously designated for the purpose linked, life assurance policy. of settlement of charges will be redeemed and the proceeds of such redemption will be placed into the Transaction Account Transaction Account for the purpose is an account under this ILAS Plan set of settling any outstanding charges. up to receive premiums, facilitate the No interest will be paid or charged on switching-in and out of your the balances you have in your Investment Choices, and payment of Transaction Accounts. benefits and charges. It enables you to hold your money temporarily Working Day before you decide which Investment Choice to invest in, or in between is a day on which we are open for switching out of or into any business at our Head Office. Investment Choices. A Transaction Business unit name goes here 31

Further information

For details of the underlying funds including their fees and charges, please refer to the respective offering documents of the underlying funds, which are made available from the financial adviser in the first instance or from our Hong Kong office. The Isle of Man Life Assurance (Compensation of Policyholders) Regulations 1991 protects all investors whose policies began on or after 1 February 1991. Compensation of up to 90% of the surrender value of their policies would be received in the unlikely event that Quilter International were to become unable to meet its liabilities. This protection only applies if Quilter International is unable to meet its liabilities and does not cover any loss incurred as a result of investments falling in value. Certain data in this document has been obtained or is based on sources from third parties. Quilter International Isle of Man Limited accepts full responsibility for the accuracy of the information contained in the offering document and confirms having made all reasonable enquiries, that to the best of Quilter International’s knowledge and belief, there are no other facts, the omission of which would make any statement misleading. www.quilterinternational.com/hk Calls may be monitored and recorded for training purposes and to avoid misunderstandings.

Quilter International’s Hong Kong office: Unit 3704, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.

Phone: +852 3552 5888 Fax: +852 3552 5889

Authorised by the Insurance Authority of Hong Kong to carry on long term business.

Quilter International Isle of Man Limited is registered in the Isle of Man under number 24916C.

Registered and Head Office: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles.

Phone: +44 (0)1624 655 555 Fax: +44 (0)1624 611 715

Licensed by the Isle of Man Financial Services Authority.

Quilter International is registered in the Isle of Man as a business name Quilter International Isle of Man Limited.

9209 INT21-1613/September 2021