... the IA at 19/F, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong for processing of the request. The IA has the right to charge a reasonable fee for processing any such request. Enquiries Any enquiries regarding the personal data collected, used or transferred by the IA, or requests for access to and/or...

... any charge or fee applicable for total or partial withdrawal or surrender of policy) 14. Before proceeding to arrange a single premium policy, the Members should obtain a declaration by the client that he/she is comfortable with both the ratio and the lock-up period, and when it is an ILAS policy...