Vulnerable Investor Guide

Vulnerable Investors Guide

This comprehensive Q&A is designed to provide clear actionable guides

to addressing complex or unexpected situations. It covers the possible scenarios

that our customers with investments may face. We hope that this piece of writing may be able

to help dispel situational doubts and provide you with comfort as to how you could approach a situation with relevant contact points within the Bank.

Investment

Investment Products

Investing offers significant opportunities for wealth growth, but it also involves risks that may be impacted by unforeseen circumstances. Whether you're facing market fluctuations, changes in personal circumstances, or need assistance managing your investment portfolio, it's important to understand how to protect your financial goals.

FAQ	What customers can do
1. What should I do if the account holder passes away?	For individual investment accounts, the transfer of investment assets to the beneficiary or executor will be in accordance to a Will or Grant of Probate.
2. What should I do if I become permanently disabled?	Please visit any of our Hong Leong Bank branches or contact your Relationship Manager for assistance. Our team is here to provide the necessary support and guidance. Here is a list of Branches and Priority Banking Centres for your convenience.
3. What steps should I take if I am diagnosed with severe illness or a critical health condition?	Please visit any of our Hong Leong Bank branches or contact your Relationship Manager for assistance. Our team is here to provide the necessary support and guidance. Here is a list of Branches and Priority Banking Centres for your convenience.
4. What should I do if I lose my job or experience a sudden loss of steady income?	Should such situation occur, the Bank would recommend the following measures: Fund withdrawal for HLB Meezani Account-i which can be done at any point in time. Early redemption for Term Investment Account-i (TIA-i) is permitted, however no profit shall be paid as per product terms and conditions. For more information or assistance, please contact your Relationship Manager or visit your nearest branch.
5. How should I manage my investments during a stock market downturn, especially during a personal crisis?	Please contact your dedicated Relationship Manager or visit any Hong Leong Bank Branches for assistance. Additionally, you can conduct a portfolio review to assess and rebalance investments, ensuring they continue to align with your financial needs.
6. What should I do if I face unexpected legal or tax liabilities?	Please visit any of our Hong Leong Bank branches or contact your Relationship Manager for assistance. Our team is here to provide the necessary support and guidance. Here is a list of Branches and Priority Banking Centres for your convenience.
7. What steps should I take if I experience a natural disaster or loss of property?	Please visit any of our Hong Leong Bank branches or contact your Relationship Manager for assistance. Our team is here to provide the necessary support and guidance. Here is a list of Branches and Priority Banking Centres for your convenience.
8. How should I approach investment decisions if I am considered vulnerable due to reaching the age of 60 and above?	Please visit any of our Hong Leong Bank Branches or contact your Relationship Manager for personalized assistance.
9. How would I invest if I am a retiree or financial consumers with little financial knowledge?	We are committed to ensuring all our customers receive the support they need during our interactions. Particularly if you require further guidance, we could: 1. Allow sufficient time for our customers to process complex information provided. 2. Clarify if the customer is comfortable with the method of communication and offer alternative formats, such as post or email, for clarity. 3. Ask if the customer would like a second opinion from our experienced Investment Consultants / attending sales staff.