Terms & Conditions of Endowus “LionGlobal All Seasons Fund (Growth) Promotion”

1. This promotion is organised by ENDOW.US Pte Ltd. (“Endowus”). Each participant is solely responsible for ensuring that participating in this promotion is not illegal or prohibited by the laws or regulations of any country relevant or applicable to the participant. Endowus reserves the right to not allow participation by any person, at its discretion. Endowus reserves the right to disqualify an otherwise eligible person from receiving the incentive in the event that Endowus, in its absolute discretion, believes that the particular person may have contravened, will contravene or has contravened any of these Terms and/or may bring  Endowus into disrepute.

2. Participants must be new clients of Endowus to be eligible for the promotion. Endowus shall have absolute discretion to decide on the eligibility for participation in the promotion. “New clients'' are defined as participants who have completed onboarding and created an Endowus account during the promotion period.

3. Participants  must invest at least $10,000 in any Endowus Cash Management product (i.e. either a Cash Smart investment or an investment under Fund Smart in a Cash Management goal) within the promotion period (the “qualifying investment”) to be eligible for the promotion.

4. The promotion period is from 00:00 on 14 January 2021 to 23:59 on 14 February 2021. The promotion incentive is valid for the first 2,000 new clients who make a qualifying investment before 28 February 2021.

5. Endowus accepts no responsibility for accounts not successfully completed due to a technical fault, technical malfunction, computer hardware or software failure, satellite, network or server failure of any kind.

Endowus also reserves the right to decline new client sign ups that do not meet our customer due diligence and client suitability requirements.

6. The promotional award will be automatically credited to the new client’s account by 15 March 2021.

The promotional award will be invested in the form of a $100 cash investment into LionGlobal All Seasons Fund (Growth) units with a 90 days minimum holding period. To process the investment, Endowus will create a Fund Smart Goal on behalf of the new client. The number of units received by qualifying new clients is determined by the net asset value of each unit at the time the promotional award is processed. The value of the LionGlobal All Seasons Fund (Growth) units may fluctuate during and after the holding period and may fall below $100. Endowus does not guarantee the value of the promotional award as a result of price fluctuations.

7. Endowus reserves the right to disqualify any participant that is suspected of any fraudulent activity such as, but not limited to, creating of fake accounts.

8. The decision of Endowus regarding any aspect of the promotion is final and binding and no correspondence will be entered into about it.

9. Participants are deemed to have accepted and agreed to be bound by these terms and conditions. Endowus reserves the right to refuse entry, or refuse to award the incentive to anyone in breach of these terms and conditions.

10. Endowus reserves the right to hold, void, cancel, suspend, or amend the promotion where it becomes necessary to do so.

11. By entering the promotion, participants agree and acknowledge that all personal data submitted may be collected, processed, stored, disclosed or otherwise used by Endowus and its affiliates for the purposes of conducting and administering the promotion and is subject to Endowus’ Privacy  Policy and Endowus’  Terms, Conditions & Disclosures. Participants consent to and authorize Endowus to use at its sole discretion, without further compensation to the participants, any of their names, addresses, personal details, photographs, videotapes or any likeness of them for packaging, promotional, advertising, marketing and/or publicity purposes (where not prohibited by written law).