Investment-Linked

Important Notes for Aviva Global Investment Account:

• Aviva Global Investment Account is an insurance contract issued by Aviva Life Insurance Company Limited ("Aviva") and your investments are subject to the credit risk of Aviva.
• Investors are not investing into the underlying funds and do not have the ownership rights of the assets of the underlying funds. Return on investment is calculated with reference to the fluctuations of the performances of the underlying funds. Each underlying fund has its own investment objective and risk factors.
• Should investors terminate this insurance contract early, they may suffer a substantial loss in their investments, premiums paid and bonus.
• You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
• You should not rely on this information alone and you should refer to the principal brochure of Aviva Global Investment Account for details.

Aviva Global Investment Account

Aviva Global Investment Account is an investment-linked assurance plan that offers you a world of quality investment-linked funds, the underlying funds of which are managed by the experienced talents in the business. With a minimum of HK$100,000, you gain access to these high quality investment-linked funds through one simple account.

Key Features of Aviva Global Investment Account:

• A wide range of investment-linked funds, of which their underlying funds are managed by global experts
• Six contract currencies to choose from: HKD, USD, GBP, EURO, AUD, and SGD
• Unlimited fund switching allows you to adjust your portfolio anytime. Minimum amount per switch is HK$10,000. Currently, there is no switching fee applied.
• Easy Save Option allows you added flexibility by investing by instalments. If you choose the Easy Save Option, a shortfall fee will be imposed when the total amount of premiums paid within the first 12 months does not meet the minimum account value requirement (HK$ 100,000).
• Bonus units that enhance potential future returns. Bonus units will be offered for investments equal to or greater than HK$300,000 per year. Bonus units will form part of your account value and are subject to the fees applicable to the plan.
• Efficient tax arrangement through clustering. Your policy will be segmented into identical clusters to capture tax planning opportunities. Under the present tax laws in Hong Kong, your account is not subject to income tax or capital gains tax at source. However, the taxes applicable to your account may depend on the tax laws in your country of nationaility or residency.

• Fees and Charges

  Policy Charges:

  Establishment Fee (for both initial and subsequent investment)
  For the first 3 policy years, establishment fee will be charged on premiums paid.

  Management Fee
  Management Fee will be charged on the net asset value of your policy.

  Exit Fee (for both initial and subsequent investment)
  For the first 5 policy years, Exit Fee (subject to a maximum of 8%) may apply for both partial withdrawal and surrender.

  Shortfall Fee (Applicable to investors using Easy Save Option)
  Shortfall Fee applies only if premiums paid via Easy Save Option do not meet the minimum account value.

  Underlying Fund Charges:

  Annual Management Charge
  Annaul Management Charge is levied by the underlying fund manager(s) and vary depending on the investment-linked fund(s) selected.

  For full details of fees and charges, please refer to the principal brochure of Aviva Global Investment Account.

  This information is issued by Aviva

Notes:

1. Please refer to principal brochure for more details on the plan, including fees and charges and risk factors.
2. Prospective investors should consult their financial planning advisers before entering into an investment of this nature.
3. This plan is intended for a medium to long-term investment. Should you terminate this insurance contract early, you may suffer a substantial loss in your investments and premiums paid.
4. Investment involves risks. Investment-linked funds investment returns may fluctuate and are not guaranteed. Past performance is not indicative of future performance. No representation, warranty or guarantee concerning the performance, return and/or profitability of the Policy (or underlying investments) is given by Aviva whether orally or in writing.
5. The profit or loss in transactions in your contracts will be affected by fluctuations in currency rates where there is a need to convert from the currency denomination of the contract to another currency.
6. AVIVA GLOBAL INVESTMENT ACCOUNT AND ITS DOCUMENTATION HAVE BEEN AUTHORISED BY THE SECURITIES AND FUTURES COMMISSION PURSUANT TO SECTIONS 104(1) AND 105(1) OF THE SECURITIES AND FUTURES ORDINANCE. HOWEVER, SUCH AUTHORISATION DOES NOT IMPLY OFFICIAL RECOMMENDATION.

Aviva Global Savings Account

Please contact your Financial Adviser for more product information.