HKT Financial Services (IA) Limited (“HKTIA”) is a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability, offers a wide range of life insurance and general insurance products under the two service brands — HKT Care and Club Care. HKT Care mainly arranges business insurance products, while Club Care focuses more on the arranging of Individual life and general insurance products through different channels include online. HKTIA is a licensed insurance agency in Hong Kong and regulated by the Insurance Authority of Hong Kong (Licensed insurance Agency License No. FA2474). HKTIA is an authorized insurance distributor of FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability), bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”), Chubb Insurance Hong Kong Limited and MSIG Insurance (Hong Kong) Limited.