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Views expressed by external hosts and guests are personal and do not represent the position of BOC Life. Information in these videos is for reference and general information sharing only and does not constitute regulated advice or any professional legal, financial, tax or investment recommendation. Please seek independent professional advice before making any decision. For details of BOC Life products, please refer to the relevant product brochures and policy documents. Policy owners bear the credit risk of the insurer. Surrendering a life policy early may result in a return substantially lower than premiums paid.

This programme does not constitute, is not intended to be, and should not be construed as professional advice, or an offer or recommendation regarding any products or services. This programme is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. The information and/or opinions provided in this programme do not represent the position of Bank of China (Hong Kong) Limited ("BOCHK"). BOCHK accepts no responsibility in this regard.

The information mentioned in this programme has been compiled from sources believed by the speaker to be reliable, but these sources have not been independently verified; therefore, BOCHK makes no warranty, representation or guarantee regarding the accuracy or completeness of this programme or the opinions provided herein.

This programme is for reference only and does not constitute an offer, solicitation, recommendation, advice or guarantee to buy, subscribe or trade in any products or services mentioned herein. Customers should not rely on the content of this programme in making any investment or other wealth management decisions. For legal advice, please consult a qualified legal practitioner. The investment or other wealth management products or services mentioned in this programme are not equivalent to, and should not be regarded as substitutes for, time deposits. Please note that policyholders assume the credit risk of the insurer, and if a policyholder terminates a life insurance policy and/or surrenders it early in the policy term, the amount of benefits recovered may be significantly lower than the premiums paid. Information on enduring powers of attorney is sourced from the Department of Justice's "General Information on Enduring Powers of Attorney". Before executing an enduring power of attorney, please consult a qualified legal practitioner. For further information on the relevant laws and details concerning enduring powers of attorney, please visit the Department of Justice's bilingual legislation information system at https://www.elegislation.gov.hk or the Community Legal Information Centre (CLIC) website of The University of Hong Kong at https://www.clic.org.hk/zh (content sponsored by the Department of Justice), and refer to the Department of Justice's "General Information on Enduring Powers of Attorney".

The forecasts and opinions expressed in this programme are provided solely as general market commentary and do not constitute independent research reports, nor do they amount to investment or other wealth management advice or a guarantee of returns. Therefore, no person should rely on them for such purposes. BOCHK and the relevant information providers shall not be responsible or liable for any use of or reliance on any information, forecasts and/or opinions contained in this programme. Investors and other wealth managers must independently assess the relevance, accuracy and adequacy of the information, forecasts and/or opinions contained in this programme and conduct such independent investigations as they consider necessary or appropriate for such assessment.

The contents of this programme have not been reviewed by the Securities and Futures Commission of Hong Kong.

[Notes on Wills] If a will does not meet the legal formalities, it may be deemed invalid. In addition, the validity of a will may be challenged.

[Notes on Trusts] For information on services, fees and terms, please consult independent professional advisors. Poor management by a trustee, breach of fiduciary duties, or insolvency of the relevant company may adversely affect the assets or operations involved, and may even lead to litigation. After the establishment of an irrevocable trust, the settlor immediately loses ownership of the assets; should financial difficulties arise in the future, the settlor cannot reclaim the trust assets.

All content in this programme is for reference only. Unless permitted in writing by BOCHK, no part of this programme may be edited, copied, extracted, forwarded or transmitted in any way or by any means (including electronic, mechanical, photocopying, recording or other forms) to the public or any person not authorized by BOCHK, or stored in a retrievable system.

Where past performance is quoted in this programme, the figures shown are not indicative of future performance.