Legal Disclaimer

Introduction

You are connected to www.bankofsingapore.com, the website of Bank of Singapore Limited (the "Bank") and its related sub-pages, and the International Private Banking Wealth Management System (the "Service") belonging to Bank of Singapore Limited. Use of the Web Banker Service is governed by the terms and conditions set out in the Web Services Agreement and use of the Bank of Singapore Digital Services is governed by the terms and conditions set out in the Bank of Singapore Digital Services Terms of Use.

Financial information and reports available on this website

The financial information and reports available on the website are for restricted circulation and are addressed solely to the clients of the Bank. The information contained therein is for information purposes and should not be construed as any specific investment advice or offer on solicitation for the purchase or sale of a particular investment product.

Bank of Singapore Limited, its affiliates and its employees are not in the business of providing, and do not provide, tax, accounting or legal advice to any clients. The material contained herein is prepared for informational purposes and is not intended or written to be used, and cannot be used or relied upon for tax, accounting or legal advice. Any such client is responsible for consulting his/her own independent advisor as to the tax, accounting and legal consequences associated with his/her investments/transactions based on the client’s particular circumstances.

Whilst the utmost care and effort has been taken in the preparation and supply of financial information and reports, the Bank is not responsible for the accuracy or completeness of the information contained therein and it shall be subject to change without notice.

Reports have not been prepared with any specific risk profile or investment objective in mind, and you are advised to consider any investment decision carefully and to consult your relationship manager prior to making any decision.

The Bank forms part of the OCBC Group (being for this purpose OCBC Bank and /or its subsidiaries, related and affiliated companies). Companies in the OCBC Group may perform or seek to perform broking and other investment or securities-related services for the corporations whose securities are mentioned in this website as well as other parties generally.

No information or report on this website should be construed or regarded as an offer or a solicitation to buy, sell or otherwise deal with any investment product and is not intended for distribution in, or which the dissemination of information on the investment product is prohibited or restricted by law.

Neither the Bank nor any of its officers accept any liability for any loss whatsoever arising out of or in connection with the use of financial information or reports available on this website.

Access to the Website

In so far as the website "www.bankofsingapore.com" can be accessed from anywhere in the world, it is your responsibility to comply with the laws and regulations of the country in which you are resident and/or using the Service and you will bear any direct or indirect consequences resulting from non-compliance with such legal and regulatory requirements. The Bank cannot under any circumstances be held liable for such violation. Notwithstanding the foregoing, the Bank nevertheless reserves the right to impose geographical limits on access to its website and/or Service.

The Bank shall not be held liable in the event of problems attributable to the defective operation or poor configuration or general use of the computer equipment or where the computer equipment used by you is not sufficiently powerful. The same shall be true for any loss or damage that connection to the Service and/or the use of any software thereon may cause to your computer equipment (whether hardware or software) or to stored data. All information sent by the Bank to you through this website and Service shall be sent under your responsibility and at your risk and peril in accordance with knowledge of the risks involved in the Internet network. In no circumstances shall the Bank be held liable for poor reception or non-receipt of any information sent.

Market data and information

Your attention is drawn to the fact that, for technical reasons and system limitations of the Bank’s information providers, market indexes, stock-exchange prices and rates are transmitted with a time delay. On no account may the Bank be held liable for errors or delays applied to quotations and indexes, or for the direct or indirect consequences thereof.

Use of information - intellectual property rights

The website "www.bankofsingapore.com" constitutes a protected work in respect of intellectual property. In a general sense, the property rights of the Bank and its suppliers must be respected. You shall not acquire any property right in respect of software, programs, information, applications or instructions made available to you by the Bank. The Bank only grants you a right of use. You undertake to respect the rules of use issued by the Bank and shall refrain from making any copies, modifications or adaptations and shall not make them available to third parties.

All these elements and information must not be resold or redistributed by any means whatsoever.

Queries or problems relating to use of the service

If you have any queries or problems relating to or arising out of the use of the Service, you may contact your Relationship Manager. Your Relationship Manager will advise you on the steps to be taken by you and/or actions that we will take. Alternatively, you may send an email to contact.us@bankofsingapore.com and we will try to respond to you within 48 hours. If such 48 hours fall on a weekend or public holidays, we will try to respond to you on the earliest business day following that.

Claim or dispute

We are committed to providing you with quality service. We will promptly investigate any claim or dispute which you may have in respect of or arising out of the Service and will attempt to revert to you within thirty (30) days from the date of receipt of notification of your claim or dispute with a view to reaching an amicable resolution of the matter.

Unavailability of the service

In the event that the Service is unavailable, your Relationship Manager will assist to provide you with any information which you may require regarding your account(s) or transactions.

Disclaimer of liability

Neither we nor any of our agents, third party vendors, employees or servants shall be responsible or liable to you, your agents, employees or servants for any direct or consequential loss :-

  1. arising out of or in connection with use of the Service, including the use of financial calculations, projections and calculators, and reliance on any online statement or information relating to your account(s);
  2. as a result of loss or damage to the personal computer (including peripherals, software installed or data stored thereon) used to access the Service;
  3. as a result of your inability to access the Service;
  4. as a result of you acting or omitting to act on any financial information or report, market quotation and rates provided through the Service; and
  5. arising out of the improper or unauthorised use of the Service.

 

Bank of Singapore Limited (Co Reg. No.: 197700866R) (the “Bank”) prepared this video for information purposes only. It is not an offer or solicitation to invest in any financial product or enter into any legal relations with any party. The views expressed do not constitute advice or recommendation with respect to any financial product and may not represent views of the market. This video does not have regard to specific investment objectives, financial situation or particular needs of any person. The Bank may have issued other reports, analyses, or other documents which expressing different views from that in this video, all of the said views subject to change without notice. The Bank may have discussed the contents of the video with others within or outside the Bank. Bank personnel may have already communicated the contents of this video to other customers of the Bank or acted on the basis of such information in this video. The Bank, its personnel and other customers of the Bank may have acquired positions at prices and market conditions that are no longer available, and may have interests different from or adverse to, your interests.

 You should exercise caution in relation to investments, independently evaluate and consider the suitability of each financial product, taking into account your own specific investment objectives, investment experience, financial situation and/or particular needs. If you have any doubt about any part of this video and/or the suitability of any investment product, you should obtain independent financial, legal and/or tax advice from your professional advisers as you deem necessary. Past performance is not always indicative of likely or future performance. Investors need to read and understand the risk disclosures and governing terms and conditions in the relevant offering documents. Investments in financial products carry significant risk, including the possible loss of the principal amount invested. The Bank and its officers accept no any liability for any loss whatsoever (whether direct, indirect or consequential) arising out of or in connection with your use of any part of this video.

 This video has not been reviewed by, registered or lodged as a prospectus, information memorandum or profile statement with the Monetary Authority of Singapore or any regulator in Hong Kong or elsewhere. This video may not be published, circulated, reproduced or distributed in whole or in part to any other person without the Bank’s prior written consent, and is not intended for distribution to, publication or use by any person in any jurisdiction outside Singapore, Hong Kong, or such other jurisdiction as the Bank may determine in its absolute discretion, where such distribution, publication or use would be contrary to applicable law or would subject the Bank and its related corporations, connected persons, associated persons and/or affiliates (collectively, “Affiliates”) to any registration, licensing or other requirements within such jurisdiction.

 While reasonable efforts have been made to ensure that the contents of this video have been derived from sources believed by the Bank and its Affiliates to be reliable, neither the Bank nor its Affiliates has independently verified the accuracy of such source(s). The Bank and its Affiliates do not make any express or implied representations, warranties or guarantees as to the accuracy, timeliness or completeness of the contents of this video and do not accept any liability for any loss or damage whatsoever, direct or indirect, arising from or in connection with the use of or reliance on the contents of this video.

 The Bank is a licensed bank regulated by the Monetary Authority of Singapore in Singapore. Bank of Singapore, Hong Kong Branch, is an Authorized Institution as defined in the Banking Ordinance of Hong Kong (Cap 155), regulated by the Hong Kong Monetary Authority in Hong Kong, and a Registered Institution as defined in the Securities and Futures Ordinance of Hong Kong (Cap.571) regulated by the Securities and Futures Commission in Hong Kong. The Bank, its employees and discretionary accounts it manages, may have long or short positions, or may be otherwise interested in, or from time to time dispose of, any financial product (including derivatives thereof) which this video may refer to.

The Bank forms part of the OCBC Group (being Oversea-Chinese Banking Corporation Limited and its subsidiaries, related and affiliated companies). Companies in the OCBC Group may act as market maker or have assumed an underwriting commitment in respect of, perform or seek to perform broking, banking, and other investment or securities-related services for the corporations which securities are mentioned in this video and/or other parties. OCBC Group, their respective directors and/or employees may have interest in the investment products which may be referred to in this video, including effecting transactions in such investment products, and providing broking, investment banking and other financial services to relevant issuers, and/or be related to or receive fees from providers of investment products.

 

By accepting this invitation:

- you confirm that you have read, understood and that you agree to the terms of the data protection policy of Bank of Singapore Limited (the “Bank”) which is available at http://www.bankofsingapore.com/en-us/policies-security or upon request;

- you give your consent for the Bank to take photographs and/or videos which may include you, at this event, and further consent for such photographs and/or videos to be stored and used by the Bank in its own discretion, for promotional events and in marketing materials; and

- you acknowledge that since the event is only catered to Accredited Investors (as defined in the Securities and Futures Act (Cap.289) of Singapore) you have ensured or will ensure that the guests who accompany you to the event are all persons who are Accredited Investors.

You further undertake to inform the Bank immediately if any of the above becomes untrue.

 

This document is prepared by Bank of Singapore Limited (the “Bank”) for information purposes only, intended for the internal or personal use of the intended recipients only, and is not intended for anyone other than the recipient. It may contain information proprietary to the Bank which may not be reproduced or redistributed in whole or in part without the Bank’s prior consent. It is not an offer or a solicitation to deal in any investment product or enter into any legal relations, nor does it constitute advice or recommendation with respect to investment products. It does not have regard to the specific investment objectives, investment experience, financial situation and the particular needs of any particular person. You should exercise caution in relation to investments, independently evaluate each investment product and consider the suitability of such investment product, taking into account your own specific investment objectives, investment experience, financial situation and/or particular needs. You will need to decide on your own as to whether or not the contents of this document are suitable for you. If you are in doubt about the contents of this document and/or the suitability of any investment product, please obtain your own independent financial, legal and/or tax advice from professional advisers as you deem necessary. Investments in financial instruments or other products carry significant risk, including the possible loss of the principal amount invested. Financial instruments or other products denominated in a foreign currency are subject to exchange rate fluctuations, which may have an adverse effect on the price or value of an investment in such products. Neither the Bank nor any of its officers accept any liability for any loss whatsoever (whether direct, indirect or consequential) arising out of or in connection with your use of this document. Past performance is not a guarantee or indication of future results. All figures in this document are indicative only and do not represent firm quotes. You should contact your local representative directly if you are interested in any financial transaction, investment strategy or wealth planning structure. You should read all the risk disclosures and governing terms and conditions that are set out in the relevant documents governing any investment, structure or product. Neither the Bank nor any of its officers accept any liability for any loss whatsoever (whether direct, indirect or consequential) arising out of or in connection with your use of this document.

While reasonable efforts have been made to ensure that the contents of this document have been obtained or derived from sources believed by the Bank to be reliable, the Bank has not independently verified the accuracy of such source(s). The Bank and its respective officers, employees, agents and representatives do not make any express or implied representations, warranties or guarantees as to the accuracy, timeliness or completeness of the information, data or prevailing state of affairs that are mentioned in this document and do not accept any liability for any loss or damage whatsoever, direct or indirect, arising from or in connection with the use of the contents of this document. The Bank and its Affiliates may have issued other reports, analyses, or other documents expressing views different from the contents hereof and all views expressed in all reports, analyses and documents are subject to change without notice. The Bank and its Affiliates reserve the right to act upon or use the contents hereof at any time, including before its publication herein. The Bank and its Affiliates may have discussed the information contained therein with others within or outside the Bank, and Bank personnel may have already acted on the basis of this information (including communicating the information contained herein to other customers of the Bank). The Bank, its employees and discretionary accounts managed by its Singapore Office may have long or short positions or may be otherwise interested in any of the investment products (including derivatives thereof) referred to in this document and may from time to time dispose of any such investment products. The Bank, its personnel and other customers of the Bank may have acquired such positions at prices and market conditions that are no longer available, and may have interests different from or adverse to your interests.

This document and other related documents have not been reviewed by, registered or lodged as a prospectus, information memorandum or profile statement with the Monetary Authority of Singapore nor any regulator in Hong Kong or elsewhere. Dual currency investments, structured deposits and other investment products are not insured by the Singapore Deposit Insurance Corporation. This document may not be published, circulated, reproduced or distributed in whole or in part to any other person without the Bank’s prior written consent. These materials are prepared solely for distribution into jurisdictions where such distribution is permitted by law. This document is not intended for distribution to, publication or use by any person in any jurisdiction outside Singapore, Hong Kong, or such other jurisdiction as the Bank may determine in its absolute discretion, where such distribution, publication or use would be contrary to applicable law or would subject the Bank and its related corporations, connected persons, associated persons and/or affiliates (collectively, “Affiliates”) to any registration, licensing or other requirements within such jurisdiction.

Bank of Singapore Limited is a licensed bank regulated by the Monetary Authority of Singapore in Singapore. Bank of Singapore Limited, Hong Kong Branch is an Authorized Institution as defined in the Banking Ordinance of Hong Kong (Cap 155), regulated by the Hong Kong Monetary Authority in Hong Kong and a Registered Institution as defined in the Securities and Futures Ordinance of Hong Kong (Cap.571) regulated by the Securities and Futures Commission in Hong Kong. Bank of Singapore Limited forms part of the OCBC Group (being for this purpose Oversea-Chinese Banking Corporation Limited and its subsidiaries, related and affiliated companies). OCBC Group, their respective directors and/or employees (collectively “Related Persons”) may or might have in the future interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Group and its Related Persons may also be related to, and receive fees from, providers of such investment products.

Bank of Singapore Limited adheres to a group policy (as revised and updated from time to time) that provides how entities in the OCBC Group manage or eliminate any actual or potential conflicts of interest which may impact the impartiality of research reports issued by any research analyst in the OCBC Group.

 

The contents of this presentation have not been prepared or reviewed by Bank of Singapore Limited (the “Bank”). The Bank is not responsible for the accuracy or completeness of the information contained in this presentation which may change without prior notice. If you have any questions regarding the presentation, please refer your questions to the presenter. This presentation may contain views which are not representative of the views of the Bank, and such views may have been derived without discussion, consultation or agreement with the Bank. You will need to decide as to whether or not the contents are suitable for you. When you are in doubt, please seek your own independent financial, legal, tax or other advice as you deem fit. Neither the Bank nor any of its officers accept any liability for any loss whatsoever arising out of or in connection with your use of the information in the presentation.

 

The contents of this presentation have not been prepared or reviewed by Bank of Singapore Limited (the “Bank”). The Bank is not responsible for the accuracy or completeness of the information contained in this presentation which may change without prior notice. If you have any questions regarding the presentation, please refer your questions to the presenter. This presentation may contain views which are not representative of the views of the Bank, and such views may have been derived without discussion, consultation or agreement with the Bank. You will need to decide as to whether or not the contents are suitable for you. When you are in doubt, please seek your own independent financial, legal, tax or other advice as you deem fit. Neither the Bank nor any of its officers accept any liability for any loss whatsoever arising out of or in connection with your use of the information in the presentation.