Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. Foreign currency investments are not insured products under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. 

Deposit Insurance Scheme - Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Pursuant and subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011, of Singapore, the SGD savings account for non-bank depositors are insured by the Singapore Deposit Insurance Corporation ("SDIC") for up to S$75,000 in aggregate for each insured depositor. For more information, please refer to SDIC's website at www.sdic.org.sg.