Bibliografia

Professional Portfolio
Plan Details Guide

Table of Contents
Introduction Before You Invest How Professional Portfolio Works Your Plan Investment Instruments Setting Your Risk Expectations Investor Protection in Relation to Generali International Limited 1. Plan Summary 1.1. Product Variants 1.1.A. 1.1.B. 2. 3. 4. 5. Professional Portfolio (Personal) Professional Portfolio (Pooled) 2 4 4 44 4 4 5 5 5 5 5 5 6 6 6 6 6 6 7 7 7 7 8 9 9 9 9 10 11 11 11 11 11 12 12 12 12 13 13 13 14 14 14 14 15 15 16 17

Plan Ownership Investment Amounts 3.1. 4.1. 5.1. 5.2. Investment Amount Minimums Currency Exchange Interest Charged on Overdrawn Cash Balances Interest Credited to Positive Cash Balances Available Plan Currencies Call Deposit Accounts and Plan Currency Account

6. 7. 8.

LifeAssurance Benefit Death Benefit Investment Instruments 8.1. 8.2. 8.3. 8.4. Selection of Investment Instruments Trading of Investment Instruments Investment Risk Withdrawal of an Investment Instrument

9. 10.

Overdraft Facility Fees and Charges 10.1. 10.2. 10.3. Plan Charges Third Party Charges Investment Instrument Charges Full Surrender Partial Surrender

11.

Full and Partial Surrender 11.1.11.2.

12. 13.

Regular Withdrawal Facility Minimum Level of Liquidity Within the Investment Fund 14. 14.1. 14.2. Tax Benefits Taxation Of Investment Instruments Underlying Professional Portfolio UK Tax Residents Failure of a Counterparty

15. 16. 17. 18. 19. 20.

Investor Protection 15.1. Cancellation Rights Complaints Regulators 18.1. 19.1. Hong Kong Generali International ServiceCentre Information to be Supplied to you During the Term of the Contract Important Notes Registered Office Address Regional Office Addresses

Contact Details

1

Introduction
This Details Guide sets out important information in relation to Professional Portfolio and is intended to help you to understand the product. In Hong Kong, this Details Guide and the Product Key Facts Statement representthe principal brochure. You should read the entire principal brochure before investing. You should also read the Illustration document given to you by your Financial Adviser. In this Details Guide: a) Any reference to: (i) words in the singular shall include words in the plural and vice versa; (ii) the masculine gender shall include the feminine and the neuter and vice versa; (iii) a statute orregulation shall be construed as a reference to such statute or regulation; as amended re-enacted or replaced from time to time; and (iv) A “person” shall include any individual, trust, body corporate or un-incorporated body. b) Any statements that refer to “us”, “we”, “our” or “Generali International” mean Generali International Limited. c) Any statements that refer to “you” or “your” mean theperson or persons with whom we have agreed the Plan or, where applicable, your successors or permitted assigns. d) The headings are for ease of reference only and do not affect the interpretation of the document. e) The following expressions have the following meanings: Appointed Actuary In Guernsey the suitably qualified Actuary appointed by Generali International Limited in accordance with theInsurance Business (Bailiwick of Guernsey) Law, 2002 (as amended). Assignment The transfer of your rights under the Plan to a third party. Beneficiary The person or persons that are nominated by you to receive the Death Benefit under the Plan. Business Day Any day (excluding Saturdays, Sundays and Public Holidays) on which the clearing banks in Guernsey are open for normal banking business. CallDeposit Account An access on demand account for deposit of un-invested cash, held by Generali International Limited within your Plan. There is no minimum deposit term, which means that there is access to the cash on demand. Call Deposit Accounts will be established within your Plan in each of the allowable Plan Currencies. These may be used to facilitate the purchase of Investment Instruments and to...