AIA Altitude Member-get-member Programme

1. “AIA” refers to AIA Singapore Private Limited.

2. “AIA Altitude” refers to an AIA membership programme for clients who purchase AIA products with total annualized premium of at least S$10,000.

3. “AIA Persons” refers to AIA, its associated persons/organizations, its and their third party service providers and its and their representatives, whether within or outside Singapore.

4. “client” includes a prospective Eligible Customer.

5. “introducing activity” shall have the same meaning as that defined under Regulation 31 of the Financial Advisers Regulations (“FAR”) issued pursuant to the Financial Advisers Act 2001 (“FAA”) and includes for the purposes of this Programme: (i) introducing any client who may or are likely to have an interest in purchasing Eligible Products (defined below); and (ii) recording the particulars of the client and forwarding such particulars to AIA with the client’s consent.

6. “Programme” means the AIA Altitude Member-Get-Member Programme.

7. “Programme Period” refers to the period from 6 January 2023 to 31 March 2023, both days inclusive.

8. “Eligible Products” refers to AIA Platinum Retirement Elite, AIA Platinum Wealth Legacy, AIA Platinum Wealth Elite, AIA Platinum Wealth Heritage, AIA Platinum Legacy (IX), AIA Platinum Accidentcare, AIA Platinum Gift of Life Series, AIA Platinum Health, AIA Platinum Generations (II), AIA Elite Secure Income, AIA Guaranteed Protect Plus, AIA Invest Easy, AIA Pro Achiever 2.0, AIA Pro Lifetime Protector, AIA Retirement Saver, AIA Smart Flexi Growth, AIA Smart Flexi Rewards, AIA Smart Wealth Builder only.

1. must be an existing AIA Altitude Platinum or Pinnacle tier member;

2. residing in Singapore;

3. must not be an employee and/or Insurance Representative of AIA or its affiliates.

1. is not carrying out of introducing activities as a full-time occupation;

2. understands that participation in this Programme does not imply, constitute or be deemed to constitute a relationship of employer and employee between himself/herself and AIA;

3. is not a party to any other arrangement to carry out introducing activities;

4. is fully responsible for his/her own proper conduct;

5. will not get involved in the provision of any financial advisory service other than to the extent of carrying out introducing activities on behalf of AIA under this Programme;

6. has read and understands the scope of introducing activities to be carried out;

7. will adhere to all other requirements set out in this T&Cs in relation to an Introducer.

1. an AIA Altitude customer in the last 12 months preceding the date the Introducer forwards the Eligible Customer’s particulars to AIA via the Introducing Page (defined below);

2. residing outside of Singapore;

3. from any jurisdictions where such introducing activities or Programme is restricted or not permitted.

1. The Eligible Customer gives his/her consent to AIA to contact the Eligible Customer in relation to this Programme and the Eligible Products;

2. The Eligible Customer applies for at least one Eligible Product with an annualized premium of SGD50,000 or SGD100,000 (“Application”) via the AIA representative who contacts him/her in relation to this Programme within 3 months of the Introducer forwarding his/her contact to AIA via the Introducing Page;

3. The Eligible Customer’s Application is submitted after the Introducer forwards the Eligible Customer’s particulars to AIA at Introducing Page;

4. The Eligible Customer’s Application is accepted by AIA;

5. The Eligible Customer’s policy arising from the Application is still in-force and has passed its relevant free-look period at point of fulfillment; and

6. The Eligible Customer gives his/her consent to AIA to inform the Introducer of the purchase of Eligible Product by the Eligible Customer for the purpose of determining the Introducer’s Appreciation Reward.

1. must disclose to all clients that he/she:

1. is carrying out introducing activities for AIA;

2. when carrying out introducing activities, is not permitted to give advice or provide recommendations on any investment product to the client, market any collective investment scheme, or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities;

3. will be remunerated by AIA for carrying out introducing activities; and the amount of remuneration if so requested by the client. For avoidance of doubt, the Appreciation Reward is deemed as renumeration for carrying out introducing activities under this Programme;

2. must ensure that each of the clients has, consented to the collection, use, disclosure, storage, retention and processing of their personal data, permit and authorize the Introducer to forward and transmit such client’s data to AIA (including personal data) and for AIA Persons to contact them for the purpose of this Programme (“Consent”);

3. must, as soon as it is aware that a client has withdrawn his/her Consent, immediately inform AIA of such withdrawal of Consent;

4. must agree to, and procure the client’s agreement to, the terms of the AIA Personal Data Policy (Singapore) available at https://www.aia.com/en/privacy.

5. must use the Script (defined below) provided by AIA when carrying out its Introducing Activity;

6. undertakes to adhere to all relevant and applicable laws, in particular, the Personal Data Protection Act 2012;

7. must ensure the compliance of all guidelines and directives issued by AIA from time to time relation to conducting introducing activity under this Programme;

8. must not receive, handle, accept or deal with a client’s money or property in relation to introducing activities or in carrying out his/her obligations under this Programme;

9. must not make any representation on behalf of AIA, give advice or provide recommendation in respect of any insurance product to the client, or hold him/herself out as selling insurance or investment products, handle or accept any premium, money or property from the client in relation to any insurance product, nor except in respect of the Eligible Products, make express or implied references to AIA or its group of companies whether orally or in writing, or use the name, logo(s) or trademark(s) of AIA or its group of companies in any way without AIA’s prior written approval.

1. Factual Information on AIA

• AIA Singapore Private Limited (“AIA”) is the largest life insurer in Asia. AIA strives to elevate our customers wealth and optimise their well-being- We are committed to crafting a personalised portfolio tailored to our customers’ Wealthbeing needs.

• “AIA Altitude” is a membership programme for AIA customers who purchase AIA products with a combined annualized premium of at least S$10,000 (Altitude tier), S$50,000 (Platinum tier), and S$100,000 (Pinnacle tier). More information about AIA Altitude and it’s privileges at https://www.aia.com.sg/en/wealthbeing.html#aia-altitude

• AIA Insurance Representatives are trained to understand financial needs and circumstances, using the Financial Health Check. This is to provide our customers with quality financial advice and suitable recommendations to help fulfill our customers’ financial goals.

2. “I am introducing AIA Altitude and its privileges to you on behalf of AIA Singapore Private Limited to help you understand more about this membership. In addition, I will be introducing you to my AIA Insurance Representative to share more about what it means to be an AIA Altitude member. The Insurance Representative will help you to identify your financial needs and provide you with quality financial advice. He/She may recommend a product for your consideration. I will receive CapitaLand Vouchers worth $500 or $1,000 from AIA should a purchase of at least S$50,000 or S$100,000 or more annualized premium of the eligible product(s) is made.

3. Please be informed that when carrying out introducing activities, I am not permitted to give advice or provide recommendations on any investment product to you, market any collective investment scheme, or arrange any contract of insurance in respect of life policies, other than to the extent of carrying out introducing activities.”

Last Revision Date: 5 January 2023