1. What should I do if I or the joint account holder pass 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. For joint investment accounts, the survivorship clause outlined in the Bank’s Investment Services Agreement, will apply. If a Grant of Probate is issued, the bank will follow the court's instructions for transferring the investment assets to the designated beneficiary or executor.

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, theBank would recommend the following measures:

● Early withdrawals for NIDs (Negotiable Instruments of Deposit), CINIDs (Fixed Rate Negotiable Instruments of Deposit), and ACEL (Auto Callable Equity Linked Investments) is permitted, subject to an unwinding cost.

● Unit trust redemptions can be processed on business days.

● Bond redemptions are permitted on business days, subject to buyer availability.

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. Additionally, you can conduct a portfolio review to assess and rebalance investments, ensuring they continue to align with your financial goals.

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.