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HONG KONG, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - Standard Chartered and the Hong Kong Trade Development Council (HKTDC) jointly released the latest Standard Chartered Greater Bay Area Business Confidence Index (GBAI), revealing that business sentiment among companies in the Greater Bay Area (GBA) remained stable in the first quarter of 2026 despite ongoing geopolitical and trade headwinds, notably oil price shocks and continued repercussions from the Middle East conflict.Maintaining Momentum Amid HeadwindsThe Q1 findings largely captured activity and business sentiment since the Middle East conflict began in late February, which has remained highly uncertain and weighed on overall business and market sentiment.Despite a reduced appetite for expansion amid persistent geopolitical uncertainties, business sentiment remained steady across the GBA. The “current performance” index for business activity in Q1 edged down marginally to 49.9 from 50.3 in the previous quarter, while the “expectation” index moderated to 50.4 from 51. Both indices hovered around the 50-neutral mark, indicating GBA corporates’ resilience, supported by favourable policies announced by the Chinese Government aimed at boosting the domestic economy, which in turn would partially offset the fallout of the Middle East conflict.The “current performance” index came down mainly driven by “raw material inventory”, “fixed asset investment” and “financing scale”. The latter two readings were believed to reflect more cautious sentiment among businesses in light of the Middle East conflict. Meanwhile, “production/ sales”, “prices of finished goods/ services” and “profits” all experienced quarter-on-quarter expansion.The “expectations” index remained modestly positive, despite heightened external uncertainties. “New orders” held steady at 51.5, while “prices of finished good/ services” rose to 58.5. However, “profits” fell below the 50-watershed level, implying surveyed companies did not view price increases as sufficient to offset a likely rise in energy and material costs.Hong Kong to Sustain a Still-solid Growth PaceBy city, Hong Kong is expected to maintain a solid performance going forward. Although both the “current” and “expectation” sub-indices edged down to 52.7, these readings still comfortably stayed in expansionary territory, supported by improvements in “financial services” and “innovation and technology” sectors.Tommy Wu, Senior Economist, Greater China and North Asia, Standard Chartered, said: “In addition to the initial impact of surging global energy and freight costs, there are concerns about second-round impacts, such as higher input costs and weaker global demand. This is aligned with the latest reading, which shows a 2.3-point decline in “new export orders” to 47.5 for “current performance”, indicating a more cautious outlook for export demand. With the prolonged Middle East conflict, we anticipate global energy prices to be higher for longer and the second-round effects to become more visible in the coming months. These will likely weigh on business sentiment and appetite on making fixed investment. Nevertheless, Hong Kong has once again demonstrated its resilience amid market turbulence, and such resilience is expected to attract more global capital into HKD and Renminbi assets as safe-haven allocation.”Demand-boosting Measures Favour GBA BusinessesThe survey also investigated the impacts of a series of supportive policies from the Chinese government aimed at stimulating domestic demand in its thematic section. Among the new policy measures introduced by the Ministry of Finance in January, most respondents cited “loan interest subsidies for small, medium and micro-sized enterprises” (38.4%), “large-scale equipment upgrade subsidies” (36.9%) and “consumer goods trade-in subsidies” (31.7%) as the top domestic demand-boosting policies likely to have the most positive impact on their business.Wing Chu, Deputy Director of Research, HKTDC, said: “Demand-boosting stimulus is generating tangible benefits for GBA companies, helping to cushion external challenges amid the Middle East conflict. Targeted support, including loan interest subsidies, alongside measures aimed at stimulating consumer spending, is underpinning demand and supporting business activity across the GBA. Overall, policy-led demand support continues to serve as a meaningful tailwind for GBA businesses. While cost pressures and market competition remain key concerns, respondents are considering stepping up investment in talent and market promotion to sustain further business growth.”While many respondents believe stimulative policies could benefit their businesses by boosting online sales (36.6%) and reducing operating costs (33.8%), challenges faced by GBA corporates remain. Specifically, 54.9% of respondents identified labour costs as the biggest pressure point for their businesses, followed by rental costs (41.7%) and market competition (33.3%). Zooming into Hong Kong respondents, market competition was viewed as a more pressing challenge than rental costs, likely due to the increase in cross-border travel and change in consumption behaviours in recent years. In these circumstances, 38.7% would prioritise their investment in talent recruitment, followed by market promotion (38.1%) and personnel training (36.7%).About the GBAIThe GBAI is the first forward-looking quarterly survey in the market that looks at the business sentiment and synergistic effects in cities and industries across the GBA. It is compiled based on a survey of more than 1,000 companies in the GBA covering the manufacturing and trading, retail and wholesale, financial services, professional services and innovation and technology sectors. The index enables investors and businesses to better understand the current business climate, gauge future performance prospects and formulate their market strategies for the GBA.Related materialsStandard Chartered GBA Business Confidence Index Report: https://www.sc.com/hk/gba/gba-index-report/HKTDC Research: https://research.hktdc.com/en/article/MjMwNjM2MTgxMQReport and photos download: https://bit.ly/4u3izEMWing Chu, Deputy Director of Research, HKTDC (right), and Tommy Wu, Senior Economist, Greater China and North Asia, Standard Chartered (left), announced the latest GBA Business Confidence Index (GBAI) on 27 April 2026.Media enquiriesCorporate Affairs DepartmentStandard Chartered Bank (Hong Kong) Limited Flora Chiu Tel: (852) 3843 2285 Email: flora.chiu@sc.com   Communications & Public Affairs DepartmentHKTDC Christy LeeClayton Lauw Tel: (852) 2584 4369Tel: (852) 2584 4472Email: christy.wn.lee@hktdc.orgEmail: clayton.y.lauw@hktdc.orgAbout Standard CharteredWe are a leading international banking group, with a presence in 54 of the world’s most dynamic markets. Our purpose is to drive commerce and prosperity through our unique diversity, and our heritage and values are expressed in our brand promise, here for good.Standard Chartered PLC is listed on the London and Hong Kong stock exchanges.The history of Standard Chartered in Hong Kong dates back to 1859. It is currently one of the Hong Kong SAR’s three note-issuing banks. Standard Chartered incorporated its Hong Kong business on 1 July 2004, and now operates as a licensed bank in Hong Kong under the name of Standard Chartered Bank (Hong Kong) Limited, a wholly owned subsidiary of Standard Chartered PLC.For more stories and expert opinions please visit Insights at sc.com. Follow Standard Chartered on X, LinkedIn, Instagram and Facebook.About HKTDCThe Hong Kong Trade Development Council (HKTDC) celebrates its 60th anniversary this year. The HKTDC is a statutory body established in 1966 to promote, assist and develop Hong Kong's trade. With over 50 offices globally, including 13 in the Chinese Mainland, the HKTDC promotes Hong Kong as a two-way global investment and business hub. The HKTDC organises international exhibitions, conferences and business missions to create business opportunities for companies, particularly small and medium-sized enterprises (SMEs), in the mainland and international markets. The HKTDC also provides up-to-date market insights and product information via research reports and digital news channels. For more information, please visit: www.hktdc.com/aboutus. Follow us on  @hktdc and  LinkedIn Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com

SHENZHEN, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - China Medical System Holdings Limited (“CMS” or the “Group”) is pleased to announce that, the Group through its wholly-owned subsidiary entered into an exclusive commercialization and supply agreement (the “Agreement”) with Pharmacosmos A/S for Iron Isomaltoside Injection (“Monofer®”) and Iron Dextran Injection (“Cosmofer®”) recently. In accordance with the Agreement, the Group has obtained an exclusive right to commercialize the products in the People’s Republic of China (for the purpose of this Agreement, excluding the Hong Kong Special Administrative Region, the Macau Special Administrative Region and Taiwan region). Pharmacosmos A/S will continue to manufacture and supply the products. The cooperation term shall be fifteen years from the effective date stipulated in the Agreement, which may be extended upon mutual agreement between the parties prior to expiry.The two intravenous iron therapies under this cooperation are both originator products that have been approved for marketing in China and included in the China’s National Reimbursement Drug List (NRDL). Among them, Monofer® is an exclusive drug and the first third-generation intravenous iron therapy approved for marketing in China. It features an innovative and more stable matrix-like nanostructure and provides a superior safety profile[1]. Its single-dose full iron replenishment significantly reduces the number of infusions, enables faster improvement in hemoglobin levels and enhances clinical convenience. Another product, Cosmofer®, is currently the only intravenous iron therapy included in Category A of the NRDL and also the only one included in the National Essential Medicines List (NEML). With many years of accumulated clinical use, its efficacy and safety have been supported by accumulated clinical experience and published data.The above two products will form a comprehensive intravenous iron product portfolio covering all channels and treatment scenarios, which can support meeting the clinical needs of different levels of healthcare institutions and different types of iron deficiency anemia (IDA) patients, providing more diversified, safe and effective treatment options for patients. Patients with iron deficiency (ID) and IDA are widely distributed across multiple clinical departments, including gastroenterology, cardiology, nephrology, obstetrics and gynecology, and orthopedics, which are all key specialty areas of the Group. The addition of the two products will generate efficient synergies with the Group’s existing marketed products in expert resources and academic promotion network, further strengthening the Group’s overall competitiveness in the field of anemia treatment, and is expected to have a positive impact on the Group’s performance.More information about Monofer®Monofer® was approved on 30 January 2021 for the treatment of iron deficiency in patients where oral iron preparations are ineffective, cannot be used, or where there is a clinical need for rapid iron supplementation. In 2023, Monofer® was included in the NRDL as a Category B reimbursable drug. Monofer® consists of nanoparticles with a stable, matrix-like structure composed of interchanging layers of iron atoms and short, linear isomaltose carbohydrates. This structure enables controlled iron release with low levels of labile iron, contributing to a favourable safety profile, including a low risk of hypersensitivity reactions and hypophosphatemia. Monofer® can be administered as a high-dose infusion of 1,000 mg or more in a single visit, whereas older therapies such as iron sucrose typically require repeated administrations of 100 to 200 mg. This enables full iron repletion in one treatment, reducing the need for multiple infusions, lowering the burden on patients and healthcare systems, and increasing infusion capacity. At the same time, the low risk of hypophosphatemia helps avoid complications such as fractures and supports recovery from fatigue, a key symptom of iron deficiency anaemia.More information about Cosmofer®Cosmofer® is a second-generation low-molecular-weight iron dextran injection. It was approved for marketing in Mainland China in 2003 and is indicated for patients with iron deficiency who cannot take oral iron preparations (such as those who are intolerant to oral iron or have unsatisfactory therapeutic outcomes). Cosmofer® also allows single-dose high-dose iron repletion. With many years of accumulated clinical use, its efficacy and safety have been supported by accumulated clinical experience and published data. Its dual status as a Category A NRDL-listed product and NEML supports its core role in iron supplementation in primary healthcare settings.About Iron Deficiency and Iron Deficiency AnemiaID and IDA are global health issues that commonly affect children, premenopausal women (particularly pregnant women) and the elderly. These conditions may impair the function of multiple organ systems, leading to a series of health problems such as growth retardation, behavioral disorders, cognitive impairment, reduced physical capacity, and peri-natal and peri-operative complications. They also significantly affect the prognosis of chronic diseases such as gastrointestinal diseases, chronic kidney disease, heart failure and tumors[2]. More than 1 billion people live with iron deficiency anaemia[3], making it one of the leading contributors to the global burden of disease[4]. Data from the Fourth National Nutrition Survey in China indicate that the prevalence of IDA among Chinese residents is 20.1%[5]. However, both patients and healthcare professionals have insufficient awareness of the disease. Less than 20% of patients with mild anemia receive diagnosis and treatment, while only about 50% of patients with severe anemia receive appropriate diagnosis and treatment[2]. This indicates significant underdiagnosis and undertreatment of ID/IDA. Iron supplementation is the standard treatment for ID/IDA and includes oral iron therapy and intravenous iron therapy. Intravenous iron therapy is an important option for patients who cannot tolerate oral iron, have inadequate response to oral therapy, require rapid iron repletion, or prefer full iron supplementation within one to two administrations[1,2,6]. However, due to insufficient awareness of IDA, patient adherence issues, hospitalization constraints, infusion convenience, and safety concerns regarding intravenous iron therapies, the clinical use of intravenous iron in China remains relatively conservative. A Chinese real-world study shows that the average total dose of iron sucrose used in IDA patients was approximately 511 mg, which was significantly lower than the target dose of 1,000 mg[2]. There is therefore a significant clinical need for intravenous iron therapies that offer high safety, strong demonstrated efficacy and single-dose full iron repletion. Monofer® and Cosmofer® together establish a comprehensive intravenous iron product portfolio covering multiple treatment scenarios, providing tiered treatment options for patients with iron deficiency anemia.About Pharmacosmos A/SPharmacosmos A/S is a global leader in carbohydrate chemistry and innovative treatments for iron deficiency and iron deficiency anemia. Leveraging its deep expertise in carbohydrate chemistry and cell cycle biology, the company is committed to developing innovative therapies to address unmet patient needs, with a particular focus on iron metabolism and hematology-related diseases. Pharmacosmos A/S was founded in 1965 and is headquartered in Denmark, and employs more than 700 specialists from the United Kingdom, Ireland, the Nordic countries, Germany, the United States, Canada and China. With excellent product quality and strong clinical value, its core iron therapy products have been approved and widely used in multiple countries and regions worldwide, establishing strong technological capabilities and a solid market reputation.About CMSCMS is a platform company linking pharmaceutical innovation and commercialization with strong product lifecycle management capability, dedicated to providing competitive products and services to meet unmet medical needs.CMS focuses on the global first-in-class (FIC) and best-in-class (BIC) innovative products, and efficiently promotes the clinical research, development and commercialization of innovative products, enabling the continuous transformation of scientific research into clinical practices to benefit patients.CMS deeply engages in several specialty therapeutic fields, and has developed proven commercialization capabilities, extensive networks and expert resources, resulting in leading academic and market positions for its major marketed products. CMS continues to promote the in-depth development in its advantageous specialty fields, strengthening the competitiveness of the cardiovascular-kidney-metabolic/gastroenterology/ophthalmology/skin health businesses, bringing economies of scale in specialty fields. Among them, the skin health business (Dermavon) has become a leading enterprise in its field, and is proposed to be listed independently on the SEHK. Meanwhile, CMS continuously promotes the operation and development of its integrated R&D, manufacturing and commercialization chain in Southeast Asia and the Middle East, capturing growth opportunities in emerging markets to support the high-quality and sustainable development of the Group.Reference:1. Chinese Pharmacological Society Professional Committee of Drug‑induced Diseases, Guangdong Pharmaceutical Association. Expert consensus of clinical application and pharmaceutical care for intravenous iron agents (2024) [J]. Adverse Drug Reactions Journal, 2025, 27(3): 129-141. DOI: 10.3760/cma.j.cn114015⁃20240929⁃000702. Liao Minjing, Zhang Liansheng. Standardized diagnosis and treatment of iron deficiency and iron‑deficiency anemia [J]. Chinese Journal of Internal Medicine, 2023, 62(6): 722-727. DOI: 10.3760/cma.j.cn112138-20230210-00074.3. Global Burden of Disease Collaborative Network. Global Burden of Disease Study 2019 (GBD 2019) Results. Seattle, United States: Institute for Health Metrics and Evaluation (IHME); 2020. Available from http://ghdx.healthdata.org/gbd-results-tool.4. Pasricha SR, Tye-Din J, Muckenthaler MU, Swinkels DW. Iron deficiency. Lancet. 2021 Jan 16;397(10270):233-248.5. Li Lijuan, Zhang Liansheng. Considerations on the standardized diagnosis and treatment of iron‑deficiency anemia [J]. National Medical Journal of China, 2021, 101(40): 3266-3270. DOI: 10.3760/cma.j.cn112137-20210609-01319.6. Red Blood Cell Disease (Anemia) Group, Chinese Society of Hematology, Chinese Medical Association. Multidisciplinary expert consensus on the diagnosis, treatment and prevention of iron deficiency and iron deficiency anemia (2022 edition) [J]. National Medical Journal of China, 2022, 102(41): 3246-3256. DOI: 10.3760/cma. j.cn112137-20220621-01361.CMS Disclaimer and Forward-Looking StatementsThis press release is not intended to promote any products to you and is not for advertising purposes. This press release does not recommend any drugs, medical devices and/or indications. If you want to know more about the diagnosis and treatment of specific diseases, please follow the opinions or guidance of your doctor or other medical and health professionals. Any treatment-related decisions made by healthcare professionals should be based on the patient’s specific circumstances and in accordance with the drug package insert.This press release which has been prepared by CMS does not constitute any offer or invitation to purchase or subscribe for any securities, and shall not form the basis for or be relied on in connection with any contract or binding commitment whatsoever. This press release has been prepared by CMS based on information and data which it considers reliable, but CMS makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this press release. Certain matters discussed in this press release may contain statements regarding the Group’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. Any forward-looking statements and projections made by third parties included in this press release are not adopted by the Group and the Company is not responsible for such third-party statements and projections.Media ContactBrand: China Medical System Holdings Ltd.Contact: CMS Investor RelationsEmail: ir@cms.net.cnWebsite: https://web.cms.net.cn/en/home/ Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com

Vancouver, British Columbia--(ACN Newswire via SeaPRwire.com - April 27, 2026) - Copper-gold explorer and hybrid project generator Kincora Copper Limited (ASX: KCC) (TSXV: KCC) (Kincora or the Company) is pleased to announce that it will be holding an Investor Webinar Presentation and Discussion on the afternoon of Tuesday April 28th Pacific Standard Time (PST) and morning of Wednesday 29th Australian Eastern Standard Time (AEST).President & Chief Executive Officer, Mr Sam Spring, will update the market on recent and upcoming drill programs, exploration activities and corporate developments across the project portfolio.Both Kincora shareholders and interested investors are invited to attend the webinar and participate in the accompanying Q&A session.Kincora Copper Investor Webinar Details: Canada(Vancouver)US(Dallas)Australia(East Coast)Date28-Apr-202628-Apr-202629-Apr-2026Time4.00PM PST6.00PM CT9.00AM AEST Please note: Registration is required to attend this Zoom format investor webinar.Please register in advance for the Zoom webinar using the following link:https://us02web.zoom.us/webinar/register/WN_IE079ntuTbmoCUiWm6_O5QAfter registering, you will receive a confirmation email containing information about joining the webinar.Questions can be submitted in advance of the webinar to Julia Maguire of The Capital Network via the following email address: julia@thecapitalnetwork.com.auA replay of the webinar will be available on Kincora's website on the following page:https://kincoracopper.com/interviews/About Kincora: Kincora Copper Limited (ASX: KCC) (TSXV: KCC) is an emerging Australia-focused gold-copper explorer with a hybrid project generator strategy.The Company is successfully proving up the prospectivity of its extensive project portfolio, which includes multiple district-scale landholdings and scalable drill ready targets. These assets are located in Australia's Lachlan Fold Belt and Mongolia's Southern Gobi, two of the globe's leading porphyry belts, and the historical Condobolin mining field within the Cobar basin in NSW.The Company has already unlocked over $100 million of potential partner funding for multiple earlier stage and/or non-core porphyry projects. These initial deals have supported over 18,000 metres of drilling and over A$9m of partner funded exploration since late 2024, with management fees and exploration ramping up.Partner discussions are ongoing for its remaining 100% owned flagship projects that are all situated within existing porphyry camps containing over 20-million-ounce gold equivalent resource inventory.By having a significant portfolio of partner funded large porphyry projects, and a very focused capital efficient programs at the Condobolin and other sole funded projects, the Company is seeking to position Kincora as a leading institutional grade explorer in the public Australian and Canadian markets, and the leading project generator on the ASX.The Company's website is: www.kincoracopper.comThis announcement has been authorised for release by the Board of Kincora Copper Limited (ARBN 645 457 763)For further information please contact:Sam Spring, President and Chief Executive Officersam.spring@kincoracopper.com or +61431 329 345 Laurie Thomas, Strategic Advisor laurie.thomas@kincoracopper.com or +1306 341 3826 Media contactJulia Maguire, Managing Director, The Capital Networkjulia@thecapitalnetwork.com.au or +61 2 7257 7338Executive office Subsidiary office Australia 400 - 837 West Hastings Street C/- JM Corporate ServicesVancouver, BC V6C 3N6, Canada Level 6, 350 Collins StreetTel: 1.604.283.1722 Melbourne, VIC, Australia 3000 Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) or the Australian Securities Exchange accepts responsibility for the adequacy or accuracy of this release.To view the source version of this press release, please visit https://www.newsfilecorp.com/release/294246 Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com

HONG KONG, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - The Hong Kong Trade Development Council (HKTDC) today officially opened its seven flagship lifestyle and licensing events. The Hong Kong Gifts & Premium Fair, Home InStyle and Fashion InStyle are being held at the Hong Kong Convention and Exhibition Centre (HKCEC), while the Hong Kong International Printing & Packaging Fair and DeLuxe PrintPack Hong Kong at AsiaWorld-Expo, from today until 30 April. The Hong Kong International Licensing Show and Asian Licensing Conference are running concurrently from today until 29 April, also at HKCEC. Together, the six trade fairs have attracted some 5,600 exhibitors from over 30 countries and regions. HKTDC Executive Director Sophia Chong said: "Hong Kong has long served as the key gateway for global businesses connecting with the Chinese Mainland, playing the role of super connector and super value-adder that bridges the Chinese Mainland's vast market with the rest of the world. Backed by its solid strengths, well developed innovation ecosystem and robust intellectual property infrastructure, Hong Kong is the ideal base for companies to grow their businesses, pursue creativity and innovation, and bring them to commercial fruition."Creative gifts and home products converge; Gifts & Premium Fair and Home InStyle serve as platforms for new product launchesThe Gifts & Premium Fair and Home InStyle continue to offer buyers a diverse range of gifts and home products spanning cultural creativity, sustainability, innovative materials and gerontechnology. Selected highlights from both fairs are brought together on the new "Reimagine" themed floor at HKCEC Hall 5, giving buyers a one-stop overview of the latest global trends in lifestyle homeware and gifting products, while inspiring the industry to envision future product possibilities with fresh perspectives and inspiration.Both fairs are also attracting exhibitors to unveil latest products. Wei Yit Vacuum Flask Manufactory (Booth: 1E-D02), an exhibitor at the Gifts & Premium Fair, is debuting the Camel Brand MINI20 thermos blind box, created by Hong Kong illustrator Pen So and Hong Kong contemporary artist Jerry Cho. With the Camel Brand celebrating its 85th anniversary – the same year as Bruce Lee’s 85th birth anniversary - the exhibitor is also launching another special co-branded thermos.   Home InStyle exhibitor PREN Ltd (Booth: 5E-C20) is making its first-ever public introduction of an infection-prevention mobile toilet — an installation-free, waterless unit requiring no repeated disinfection and no direct contact with waste before and after use, incorporating health monitoring capabilities that seamlessly bring professional care into modern households.Gifts & Premium Fair spotlights design-led giftsThe Hall of Fine Designs at the Gifts & Premium Fair, located at HKCEC Hall 1, once again gathers over 100 local and international exhibitors, featuring premium, design-led products ranging from stationery and home accessories to smart collectibles incorporating the latest technologies. Star Industrial Co., Ltd (Booth: 1C-G03) presents the Red A "Made in Hong Kong" mini-series blind boxes, evoking nostalgic memories of Hong Kong daily life from the 1960s to the 1990s through iconic household items. Moral Team Holdings Ltd (Booth: 1C-E05) introduces the Napier Coded backpack designed for pickleball enthusiasts, crafted from recycled materials and combining sports with sustainability elements.Home InStyle shapes the future of home livingFunded by the Innovation and Technology Commission, Home InStyle this year presents the Gerontech and Innovative Material Pavilion (Booth: 5E-C20), showcasing over 20 local enterprises to feature gerontechnology products, smart living solutions and home products made from innovative materials.Scan Infinity Ltd presents the TechFitX Smart Sports Training System, which uses interchangeable modules and gamified training to help seniors easily build an exercise routine at home. The United Nations University Hub on Humanitarian Innovation and Technology at Lingnan University showcases IntuCREW, a smart power-assist solution designed to reduce the physical burden on caregivers when maneuvering wheelchairs. Other highlights include Sinomax's bionic ultrasonic sleep soother, German Pool's Natural Wellness Machine, and Afontane's self-cleaning bedding system.On the innovative materials front, Lotux International Holdings Co., Limited’sbiodegradable tableware and food containers are made from lotus stems alongside lotus fibre deodorising cat litter; Editecture showcases the reEDIT upcycled chair made from recycled plastic bottles and bottle cap fragments; and Mush Composites presents bio-based tiles produced from agricultural by-products and mycelium for decorative surface applications.Another focal point of Home InStyle, the Cultural and Creative Avenue, gathers design institutions and culturally inspired brands from over 10 countries and regions. Highlights include Indonesia's PT MANAMU ANAIA SUMBA (Booth: 5E-C09A) with its Banoura bracelets; Czech exhibitor Izaak Reich Crystal s.r.o. (Booth: 5E-A14), featuring handcrafted glass with over 150 years of heritage; UK exhibitor Block Design (Booth: 5E-C09B) with double-sided sculptural glass vases; Taiwan exhibitor Karari (Booth: 5E-A18) with incense accessories; and a Macao exhibitor (Booth: 5E-A16) featuring 3D-printed creations. Pantone returns as colour partner, presenting home décor trends through the PANTONE 2026 Colour of the Year "Cloud Dancer".Fashion InStyle showcases global innovation in fashion materialsThe highlighted zone NEXT@Fashion InStyle (NEXT), organised by the HKTDC and sponsored by the HKSAR Government's the Cultural and Creative Industries Development Agency (CCIDA), returns this year to demonstrate how material innovation is driving industry transformation and advancing sustainability across the fashion sector. The Philippines joins as the featured partner, powered by the Philippine Trade and Investment Centre – Hong Kong (PTIC-HK) and the Center for International Trade Expositions and Missions (CITEM). NEXT brings together over 60 exhibitors from across the globe.Exhibitors include Belgium's Bloom Biotech (Booth: 3F-F09), showcasing microalgae leather, the world's first carbon-neutral leather alternative produced through scalable green technology; At Booth: 3F-E04, Finland's Spinnova PLC’s SPINNOVA® is a next-generation textile fibre derived from wood or waste cellulose, and compatible with conventional textile processes and seamlessly blendable with cotton to deliver scalable, recyclable solutions for apparel and beyond; and Vietnam's Thai Son S.P Co., Ltd. (Booth: 3F-F03), has a range of fabrics that includes ramie fabric, a material with over 3,000 years of history and celebrated for its outstanding performance and natural antibacterial properties. The NEXT zone also features exhibitors from Chinese Mainland, Hong Kong, Iceland, Indonesia, Sweden, Thailand, and the United States, among others.Returning as project ambassador, Han Chong, founder and creative director of internationally acclaimed brand self-portrait, leads six local designer brands, each drawing on forward-looking materials selected from eight participating material suppliers to create cross-disciplinary collections. In a first for the project, materials sourced from beyond Hong Kong and Chinese Mainland are incorporated this year, bringing fresh creative momentum to the field of fashion material innovation. For example, design label WILSONKAKI fuses the world's lightest H2 fabric from French supplier Chargeurs PCC, mycelium leather from Indonesian supplier MYCL-Mycotech Lab, and natural fibres from Hong Kong supplier Texwinca Holdings Ltd, to craft everyday pieces that balance lightweight protection with a natural tactile quality through lamination and bonding techniques. The full design collection will be unveiled at tomorrow's NEXT fashion parade.Fashion InStyle also features dedicated zones including the Designer Spotlight, Materials Bazaar, Fashion Accessories, Women in Style, Bridal & Evening Wear, and Athleisure, presenting a rich selection of ready-to-wear and accessories. Glory G International Limited (Booth: 3G-B31) presents its "Resilience" collection  of lightweight suede denim, challenging the conventional perception of heavy denim outerwear; Hong Kong Haiyuan Limited (Booth: 3G-F18) showcases decorative and functional tassel ornaments designed to be attached to handbags, keys and everyday accessories; while Bibi Hanum from Uzbekistan (Booth: 3F-G29) brings traditional silk ikat patchwork wrap skirts.Printing & Packaging Fair and DeLuxe PrintPack Hong Kong present green solutions and high-end craftsmanshipThe Hong Kong International Printing & Packaging Fair and DeLuxe PrintPack Hong Kong,co-organised by the HKTDC and CIEC Exhibition Company (HK) Limited, continue to highlight innovative, eco-friendly and premium printing and packaging solutions. Elements Printing and Packaging Limited (Booth: 3-E01) introduces FSC Transparent Non-plastic packaging products and FSC Glassine Paper Bag, championing plastic-free, recyclable design principles. BSN International Hong Kong Limited (Booth: 3-E02) offers radio frequency identification (RFID) () labels incorporating paper-based inner layers for sustainable design. Guangzhou Xingqiyuan Trading Co., Ltd. (Booth: 3-E11) presents eco-friendly wet-press paper-pulp packaging made from agricultural waste.At DeLuxe PrintPack Hong Kong, Ijen Enterprises Ltd. (Booth: 3-A05) presents 3D rotating music boxes and vintage phonograph gift packaging that integrate music, storage and packaging. Marshallom (Holdings) Limited (Booth: 3-A08) showcases a floral-and-bird paper lantern canister with a dual-purpose design that extends the product lifecycle, alongside the "Victoria Harbour Day & Night" gift box combining light and shadow effects with storage and premium food packaging.Licensing Show launches IP and e-Commerce Support Services zone for the first timeThe Hong Kong International Licensing Show welcomes more than330 exhibitors from Hong Kong, Chinese Mainland and across Asia, showcasing more than 600 brands and intellectual property (IP) projects spanning arts and culture, animation and characters, brand extension, lifestyle, entertainment and sports licensing.  In line with direction of the HKSAR Government's policy to strengthen Hong Kong businesses' competitiveness on cross-border e-commerce, the fair introduces for the first time a dedicated IP and e-Commerce Support Services zone. The zone unites e-commerce platforms, KOLs, marketing and PR firms — including e-commerce platform Digitify Online Growth (Booth: 5G-E04) and marketing firm Matrix Promotion Limited (Booth: 5G-F01) — to support brands and IPs in capitalising on the new opportunities generated by e-commerce growth. Throughout the fair, e-commerce associations will conduct workshops on topics including establishment of e-commerce platforms, global market expansion via e-commerce channels, and livestreaming commerce, equipping the industry to stay ahead of the curve.Headline IPs at the Licensing Show include Potatoz by 9GAG Limited (Booth: 5G-D20), LuLu the Piggy by Toyzeroplus Limited (Booth: 5G-A24), Café de Bollo by Yogurt Studio Ltd. (Booth: 5F-G20), along with Chinese Mainland IP Quby (Booth: 5G-A22), Korean IP LOTTY FRIENDS (Booth: 5F-G36) and Thai IP Warbie Yama (Booth: 5G-A51). Organised by the Innovative Entrepreneur Association (IEA) and sponsored by Cultural and Creative Industries Development Agency (CCIDA) of the HKSAR Government, the Design Licensing and Business (DLAB) Support Scheme again stages the DLAB Hong Kong Pavilion at the Hong Kong International Licensing Show, featuring close to 40 exhibitors showcasing a diverse portfolio of Hong Kong original brands and IPs. The HKTDC also continues its collaboration with the Hang Seng University of Hong Kong, Hong Kong Baptist University and The Hong Kong Polytechnic University, with Hong Kong Design Institute joining as a new partner this year, to present the Hong Kong Licensing Force Showcase, spotlighting the creativity of Hong Kong's emerging talents.The concurrent Asian Licensing Conference invites industry leaders to examine key market developments. Today's programme features Maura Regan, President and CEO of Licensing International, presenting the "Global Licensing Trends to Watch in 2026".  With the FIFA World Cup taking place this year, the conference also welcomes Alessandro Villa, Senior Licensing Manager of FIFA, and Ivan Chan, Founder and CEO of Promotional Partners Worldwide to share the commercial strategies underpinning successful sports licensing. Mark Mao, Executive Vice President and Head of Sales at COVER Corporation will explore how Virtual YouTubers forge connections with GenZ through strategic social media engagement on the next day.Industry seminars and forums explore emerging market opportunitiesTo help industry professionals keep pace with the latest developments, around 60 thematic seminars, buyer forums, product presentations and launch events will be held throughout the fairs, covering trending topics including the silver economy, market trends, culture and innovation, and sustainability.Among the seminar highlights, the Printing & Packaging Fair and DeLuxe PrintPack Hong Kong will present a seminar co-organised by the HKTDC and the Hong Kong Digital Printing Association, titled “From Prompt to Reality: Revolutionizing Visual Design and Printing with Generative AI and Digital Printing”, examining how generative AI and digital printing are driving innovative transformation across the industry. The Gifts & Premium Fair and Home InStyle will host “Re-Gifted: Trends and Triumphs in Sustainable Home & Gift Design”, exploring new directions in sustainable design. Fashion InStyle will stage the seminar “Cultural Fusion in Lifestyle Design: The Surreal Aesthetics of Motifx”, offering the industry the latest market insights, innovative thinking and practical strategies.Photo Download: https://bit.ly/4vQE39EOrganised by HKTDC, the Hong Kong Gifts & Premium Fair, Home InStyle, Fashion InStyle, Hong Kong International Printing & Packaging Fair, Deluxe PrintPack Hong Kong, Hong Kong International Licensing Show and Asian Licensing Conference open today, with the six trade fairs bringing together some 5,600 exhibitors from more than 30 countries and regionsHKTDC Executive Director Sophia Chong delivered the welcome remarks at the opening ceremony of the Hong Kong International Licensing Show and Asian Licensing Conference this morning (27 April)(From left) Commissioner for Cultural and Creative Industries of CCIDA, Drew Lai; Director, Asia Tourism Exchange Centre, Zhang Dong; HKTDC Executive Director, Sophia Chong; Permanent Secretary for Culture, Sports and Tourism, HKSAR Government, Sum Fong Kwang, Vivian; Plan and Policy Analyst Expert Level, Ministry of Culture, Thailand, Narathorn Parndee; and President and CEO of Licensing International, Maura Regan, officiated the opening ceremonyThe Hall of Fine Designs at the Gifts & Premium Fair showcases a premium selection of design-led gifts, including stationery, home products and smart lifestyle items featuring innovative technologyAt Home InStyle, the Gerontech and Innovative Material Pavilion features more than 20 local exhibitors showcasing gerontech products, smart living solutions and innovative materials applied to the homeware and home textilesThe Cultural & Creative Avenue showcases cultural and creative home products from around the world, presenting distinctive brands and designs that celebrate diverse cultural heritagesFashion InStyle this year presents the spotlight zone NEXT@Fashion InStyle, with featured partner the Philippines bringing over 25 exhibitors to showcase local fashion materialsNEXT@Fashion InStyle project ambassador Han Chong (centre) leads six local designer brands in creating fashion collections incorporating selected innovative global materialsBSN International Hong Kong Limited showcases radio frequency identification (RFID) labels with paper-based inner layers at the Printing & Packaging Fair, highlighting both functionality and sustainable designAt DeLuxe PrintPack Hong Kong, Marshallom (Holdings) Limited presents its “Victoria Harbour Day & Night” gift box, a multifunctional design combining decorative lighting, food packaging and storage, inspired by the changing scenery of Victoria HarbourThe Hong Kong International Licensing Show this year introduces for the first time the dedicated IP & e-Commerce Support Services zoneWebsitesHKTDC Media Room: https://mediaroom.hktdc.com/enHong Kong Gifts & Premium Fair: https://www.hktdc.com/event/hkgiftspremiumfair/enHome InStyle: https://www.hktdc.com/event/homeinstyle/enFashion InStyle: https://www.hktdc.com/event/fashioninstyle/enHong Kong International Printing & Packaging Fair: https://www.hktdc.com/event/hkprintpackfair/enDeLuxe PrintPack Hong Kong: https://www.hktdc.com/event/deluxeprintpackhk/enHong Kong International Licensing Show and Asian Licensing Conference: https://www.hktdc.com/event/hklicensingshow/enMedia enquiriesFor enquiries, please contact:Home InStyle, Fashion InStyle, HK Gifts & Premium Fair, HK International Printing & Packaging Fair and DeLuxe PrintPack Hong KongPandagon:Fraser LiTel: 6083 5623Email: pandagon.limited@gmail.comHKTDC’s Communications & Public Affairs Department:Clayton LauwTel: 2584 4472Email: clayton.y.lauw@hktdc.org   HK International Licensing Show and Asian Licensing ConferenceRaconteur:  Molisa LauTel: 6187 7786Email: molisalau@raconteur.hkBetsy TseTel: 9742 7338Email: betsytse@raconteur.hkHKTDC’s Communications & Public Affairs Department:Winnie KanTel: 2584 4055Email: winnie.wy.kan@hktdc.orgHKTDC Newsroom: http://mediaroom.hktdc.com/enAbout HKTDCThe Hong Kong Trade Development Council (HKTDC) celebrates its 60th anniversary this year. The HKTDC is a statutory body established in 1966 to promote, assist and develop Hong Kong's trade. With over 50 offices globally, including 13 in the Chinese Mainland, the HKTDC promotes Hong Kong as a two-way global investment and business hub. The HKTDC organises international exhibitions, conferences and business missions to create business opportunities for companies, particularly small and medium-sized enterprises (SMEs), in the mainland and international markets. The HKTDC also provides up-to-date market insights and product information via research reports and digital news channels. For more information, please visit: www.hktdc.com/aboutus.  Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com

HONG KONG, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - CTF Life announced today the launch of the MyWealth Beyond Savings Insurance Plan (the Plan) a robust, one-stop wealth management solution offering long-term wealth accumulation potential with flexibility. The plan offers both single-premium and regular-premium payment options, with an expected total internal rate of return (IRR) of up to 6.5% in the 20th policy year for a single-premium USD policy –the fastest and highest in the Hong Kong market¹ – enabling customers to realise attractive potential returns earlier. The Plan also features the special-in-market2 “Wealth Accumulation Switching Option”3, allowing customers to flexibly adjust their wealth management strategy by switching among three options (Advance, Balanced and Conservative) – to align with their evolving financial goals. Product features such as the “Currency Switching Option”4,5 and “Policy Split Option”6, as well as multiple product advantages are designed to comprehensively address customers’ financial needs and global wealth-planning objectives across different life stages.Harnessing its sound investment strategy and strong financial strength, CTF Life has maintained a non-guaranteed accumulation interest rate of 4.25% p.a.7 on participating USD policies for the 14th consecutive year. In addition, the three signature product series8 have achieved a 100% or more fulfilment ratio for ten consecutive years9, demonstrating the Company’s consistency and reliability in delivering customer returns. As of 31 December 2025, CTF Life’s solvency ratio under the Hong Kong Risk-Based Capital (HKRBC) regime stands at 282%10, leading the market11 and well above the minimum regulatory requirement of 100%, providing solid assurance for customers’ long-term wealth accumulation.Customers who successfully apply for the Plan within the designated period can enjoy a maximum premium discount of up to 24% on the total premiums for the first two policy years, together with a guaranteed interest rate offer on prepaid premiums. *The new MyWealth Beyond Savings Insurance Plan reflects CTF Life’s deep understanding of customer needs. In addition to offering market-leading wealth accumulation potential, the Plan incorporates a range of flexible and innovative legacy planning features, empowering customers to manage their wealth with confidence at every stage of life. Key features and dedicated services of the Plan include:1. Wealth Accumulation Switching Option3: While the policy is in force, customers may leverage the special-in-market² switching options with artisanal design to manage their wealth. On the 10th policy anniversary and every policy anniversary thereafter, customers can flexibly switch among the “Advance”, “Balanced”, and “Conservative” switching options. Each option is equipped with different ratio of the “Stable Asset Account”¹² value to the cash value of Reversionary Bonus¹³ (if any) and Terminal Bonus¹â'´ (if any).2. Free Policy Currency Conversion: From the 3rd policy anniversary and any policy anniversary thereafter and while the policy is in force, customers may apply to exercise the Currency Switch Optionâ'´,â'µ, changing the policy currency of the basic plan of the policy to a different currency (like US Dollar, Hong Kong Dollar, Chinese Yuan, Australian Dollar, Canadian Dollar, Euro, British Pound Sterling or Singapore Dollar) without having to provide any evidence of insurability.3. Policy Split Option6: While the policy is in force and the Insured is still alive, after the end of the 3rd Policy Year or the end of the premium payment period (whichever is later), customers may split the original policy by allocating part of the Units of the basic plan to one or more separate policy(ies). This option also applies to the split policy(ies), enabling enhanced flexibility in asset allocation.4. Multiple innovative legacy edges: After the 6th policy monthly anniversary, customers may change the Insured for unlimited times¹â'µ. The plan specially provides the Policy Continuation Option¹â'¶, allowing designated beneficiaries to become new Policy Owners and Insureds upon the death of the original Insured. Upon exercising either of these two options, the coverage will be adjusted to the age of 128 for the new Insured, providing greater flexibility for customers' inheritance arrangements and enabling wealth to be passed on to future generations.5. Flexible policy value withdrawal arrangements: In addition to setting up standing instructions for regular withdrawals17 for the Policy Owner, he/she may also arrange for payments to be directly credited to designated payee(s), such as family members, hospitals, residential care homes for the elderly or charitable institutions. The “Artisanal Default Policy Service” further complements the Plan through a range of dedicated arrangements, offering customers greater flexibility and convenience in withdrawal arrangements.6. Premium Holiday18 of up to 8 years: If the Policy Owner is unfortunately diagnosed with a specified Covered Illness, including cancer, severe heart attack or stroke, the Premium Holiday period may be extended free of charge, giving customers additional financial buffer and peace of mind.7. Flexible settlement options for Death Benefit¹â'¹ / Full Surrender²â'°: Customers can choose from a wide range of Death Benefit Settlement Options for each beneficiary, including a lump-sum payment, regular installment payment¹â'¹, or increasing installment payments¹â'¹. Customers can also choose to receive part of the benefit as a lump sum with the remaining balance paid for increasing installments or customise the payment to start at a specified year or at a specified age of the beneficiary with fixed or increasing installments, ensuring each beneficiary receives the most appropriate arrangement.8. Market-First Customised Life Event Option21: In conjunction with the applicable instalment Death Benefit Settlement Options and the “Life Event Option”, customers may choose to arrange death benefit payouts upon any of the nine preset life events of the Primary Beneficiary, such as marriage or home purchase. Through the first-in-market “Customised Life Event” Option21, customers can also freely customise lump-sum payouts at meaningful life milestones. More than one Life Event Options can be assigned for each primary beneficiary, making protection even more thoughtful and flexible.9. Flexible premium payment options: MyWealth Beyond Savings Insurance Plan offers a choice of single-premium, 5-year and 12-year premium payment periods. For the 5-year premium payment period, customers may also choose to prepay the premiums22 by lump sum payment upon application, thereby enjoying the benefit of paying up the Plan at a lower cost. Interest23 (if any) will also be earned on the prepaid premiums22.Notes:*Application submission period is from 27 April 2026 to 30 June 2026 (both dates inclusive). For details, please refer to the promotional leaflet: https://www.ctflife.com.hk/pdf/en/home/premium_offer_flyer.pdf 1An expected total internal rate of return (IRR) of 6.5% by the 20th policy year applies to single-premium USD policies that meet the minimum premium requirement, assuming no withdrawals, surrender or exercise of any policy options. As of 31 March 2026, the “fastest and highest in the Hong Kong market” refers to the highest expected total IRR of 6.5% and a total return multiple of 3.5 times by the 20th policy year (being the expected total cash value divided by the total premiums paid). These figures are calculated based on the current assumed investment returns, are not guaranteed, are shown on a rounded basis, and are the result of the Company’s comparison among major savings insurance products of major life insurance companies in Hong Kong.2“Special-in-market” is the result of comparing similar major life insurance savings products of major life insurance companies in Hong Kong as of 27 April 2026.3Wealth Accumulation Switching Options and its portfolio ratio:Switching option(s)“Stable Asset Account” allocationAllocation of the cash value of Reversionary Bonus (if any) and cash value of Terminal Bonus (if any)Advance0%100%Balanced40%60%Conservative80%20%“Stable Asset Account Allocation” = the value of “Stable Asset Account” ÷ (cash value of Reversionary Bonus (if any) + cash value of Terminal Bonus (if any) + value of Stable Asset Account) x 100%. Within 30 days before or after the 10th policy anniversary or every policy anniversary thereafter, customers may, subject to the prevailing rules of the Company, exercise the Wealth Accumulation Switching Option to adjust the Switching Option of the basic plan of the policy to achieve Stable Asset Account Allocation at customers’ desire. Subject to specified conditions. Please refer to the Policy Provisions for more details of the Wealth Accumulation Switching Option.4On the 3rd policy anniversary or any policy anniversary thereafter and while the policy is in force, customers may change the policy currency of the basic plan of the policy to a different currency (“New Policy Currency”) through converting the existing basic plan of the policy to a designated new plan (“Designated Plan”) denominated in the New Policy Currency that is available and determined by the Company without providing any evidence of insurability. Subject to specified conditions. Please refer to the Policy Provisions for more details of the Currency Switch Option.5Upon the effective date of Currency Change, the basic plan of the policy will be converted to the Designated Plan denominated in the New Policy Currency. Policy Effective Date and Policy Years of the policy will remain unchanged after the Currency Switch. The existing and future amounts of Unit, Guaranteed Cash Value, premium(s) due and payable (if any), total premiums paid, face value and cash value of Reversionary Bonus and Terminal Bonus (if any), accumulated value of Stable Asset Account (if any) of the basic plan of the policy will be determined and adjusted by the Company at its sole discretion. Any complementary policies and riders under the policy will remain in force under the original policy after the Currency Switch. If any complementary policies and riders are not accepted to retain under the original policy, such complementary policies and riders shall be automatically terminated from the effective date of Currency Switch.6While the policy is in force and after the end of the 3rd Policy Year, the Policy Owner may exercise the Policy Split Option to create one or more separate policy(ies) (the “Split Policy(ies)”), allocating a portion of the Units from the basic plan of the original policy to the Split Policy(ies) without providing any evidence of insurability, subject to specified conditions. The Split Policy(ies) will be effective only after its Policy Provisions and policy specifications are issued. Please refer to the Policy Provisions for more details of Policy Split Option.7The interest rate is not guaranteed and may be adjusted from time to time.8The three signature product series include: (i) "Regent" Series (similar products as "MyWealth" Series), (ii) "HealthCare 168" Series (similar products as "FamCare 198"), and (iii) "Fortune Saver" series (similar products as “Ever Shine").9For policies under the above product series issued during the years from 2015 to 2024, the dividend fulfilment ratio of the Annual Dividend / Reversionary Bonus / Terminal Dividend / Terminal Bonus for each policy issue year reached 100% or above. Please visit CTF Life’s website for the latest dividend fulfilment ratio information of the above or other products.10Source: CTF Services Limited Interim Report 2025–2026. As of 31 December 2025, CTF Life’s solvency ratio under the Hong Kong Risk-Based Capital regime was 282%.11Based on an analysis and comparison of the solvency ratios of the 15 insurance companies with the highest total gross premiums for 2024, as announced in September 2025. Such information is based on the data disclosed by the relevant insurance companies as of 31 December 2024 in accordance with the public disclosure requirements of the Insurance Authority.12Account determined in accordance with the Wealth Accumulation Switching Option provision in which its long-term target asset allocation is 100% in fixed income type securities. The value in the Stable Asset Account will be accumulated at such interest rate as may be declared by the Company from time to time. However, interest rates on the Stable Asset Account are not guaranteed and may even be 0% in any year.13The face value and cash value of Reversionary Bonus are non-guaranteed. However, once declared, the declared face value of Reversionary Bonus will become guaranteed and forms a permanent addition to the policy. Please refer to the Policy Provisions for details of Reversionary Bonus.14A non-guaranteed Terminal Bonus may be declared for this Plan by the Company starting from the 1st policy anniversary. Non-guaranteed Terminal Bonus and its amount may be paid at the sole discretion of the Company. The cash value of Terminal Bonus should be either equal to or less than the face value of Terminal Bonus.15Change of the Insured is subject to the prevailing administrative rules and designated requirements. The Unit, Guaranteed Cash Value, the face value of accumulated Reversionary Bonuses (if any) and the face value of Terminal Bonus (if any), any accumulated value of Stable Asset Account, Policy Date and Policy Years will remain the same on the Insured-Change Effective Date while the Plan End Date will be adjusted to the date of policy anniversary on the 128th birthday of the Changed New Insured or following the 128th birthday of the Changed New Insured (whichever is applicable). Please refer to the Policy Provisions for details of Change of Insured Option.16Upon the death of the Insured, if the Policy Owner (still alive) and the Insured are different persons, the beneficiary will become the Continued New Insured; if the Policy Owner died at the same time or the Policy Owner and the Insured is the same person, subject to the prevailing administrative rules of the Company, the beneficiary will become the new Policy Owner and Continued New Insured of the policy. After this option has been exercised, all Units, total premiums paid, Guaranteed Cash Value, the face value of accumulated Reversionary Bonuses (if any), the face value of Terminal Bonus (if any) and any accumulated value of Stable Asset Account (if any), Policy Date and Policy Years will remain unchanged on the Policy Continuation Effective Date, while the respective plan end date of the basic plan of the policy will be adjusted to the date of policy anniversary on the 128th birthday of the Continued New Insured or the immediately following policy anniversary (whenever is applicable). Please refer to the Policy Provisions for details of Policy Continuation Option.17Policy value withdrawal is subject to the Company’s minimum Unit requirement and the relevant terms and conditions. For regular withdrawals to designated payee(s), the relationship of eligible designated payee(s) must meet the Company’s requirements. The Company reserves the right, at its discretion, to request proof of relationship and to amend the relevant terms and conditions from time to time as necessary. Policy value withdrawal belongs to other policy services. For details, please refer to the relevant service application form and the “Notification of Policy Service Confirmation.”18Premium Holiday is not applicable to the policy with single premium as the premium payment period.  Regardless of whether there has been any change of Policy Owner throughout the premium payment period, if the Policy Owner is diagnosed with the Covered Illness, the Premium Holiday Period may be extended after the Company has received the prescribed form submitted by the Policy Owner together with the medical certificate completed by the attending doctor of the Policy Owner, in accordance with the applicable premium payment period. Please refer to the Policy Provisions for details of Premium Holiday and Covered Illness.19Subject to specified conditions. Please refer to the Policy Provisions for details of Death Benefit Settlement Option.20Subject to specified conditions. Please refer to the Policy Provisions for details of Full Surrender.21“First-in-market” service feature is the results of comparing similar major insurance policy services of major life insurance companies in Hong Kong as of 4 Dec 2025. For the relevant terms and conditions, please refer to the respective service application forms and “Notification of Policy Service Confirmation”.22The premium prepayment option is only applicable to annual premium payment mode. The prepaid premium will be credited to the premium deposit account and accumulate at the prevailing interest rate offered at that time (the current interest rate offered is 2% p.a.), but it is not guaranteed. The Policy Owner can withdraw the full amount of the prepaid premiums from the premium deposit account. However, any interest credited will be forfeited. If the amount of the premium deposit account is not sufficient to pay the premium and premium levy due to a decrease in interest rate, the Policy Owner is required to make up the relevant premium difference (including premium levy). Otherwise, the policy will be terminated or subject to an automatic premium loan. If the Insured passes away, the premium deposit account balance (if any) will be payable to the Policy Owner without any charge.23The current interest rate offered is 2% p.a. but it is not guaranteed.Important Notice:- The information contained in this press release is intended as a general summary of information for reference only. For more details, please refer to relevant product brochures, promotion leaflets, and policy documents. For details regarding the CTF Life MyWealth Beyond Savings Insurance Plan, please refer to the policy contract for details of the full terms and conditions.- This press release does not contain the full provisions, key product risks, and all exclusions of the MyWealth Beyond Savings Insurance Plan, and the full terms can be found in the Policy documents. The MyWealth Beyond Savings Insurance Plan may serve as a standalone plan(s) without bundling with other type(s) of insurance product. Please refer to the main product brochure and policy terms and conditions, as well as the explanatory documents provided by your licensed insurance intermediary, to fully understand the details and complete terms and conditions regarding the mentioned definitions, fees, product features, exclusions, and compensation payment conditions related to MyWealth Beyond Savings Insurance Plan.- Please refer to the product brochure for more information on the MyWealth Beyond Savings Insurance Plan: https://www.ctflife.com.hk/pdf/en/mywealth-beyond-savings-insurance-plan-brochure.pdf- For more information on the Artisanal Default Policy Service, please visit:        https://www.ctflife.com.hk/pdf/en/artisanal-default-policy-service-flyer.pdf - For further details, please contact CTF Life’s Customer Service Hotline on +852 2866 8898.- This press release is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any of our products outside Hong Kong. Chow Tai Fook Life Insurance Company Limited hereby declares that it has no intention to offer to sell, to solicit to buy or to provide any of its products in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of Chow Tai Fook Life Insurance Company Limited is illegal under the laws of that jurisdiction.About CTF LifeChow Tai Fook Life Insurance Company Limited (“CTF Life”) is proud of its rich, 40-year legacy in Hong Kong. CTF Life is a wholly-owned subsidiary of CTF Services Limited (“CTFS”) (Hong Kong Stock Code: 659) and one of the most well-established life insurance companies in Hong Kong. As a member of Chow Tai Fook Enterprises Limited, CTF Life consistently strengthens its collaboration with the Chow Tai Fook Group ecosystem to support customers and their loved ones in navigating life’s journey with personalised planning solutions, lifelong protection and diverse lifestyle experiences. By leveraging the Group’s robust financial strength and strategic investments across the globe, CTF Life aspires to become a leading insurance company in Asia while continuously creating value beyond insurance.Chow Tai Fook Life Insurance Company Limited (Incorporated in Bermuda with limited liability) Copyright 2026 JCN Newswire via SeaPRwire.com. All rights reserved. www.jcnnewswire.com

HONG KONG, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - CTF Life announced today the launch of the MyWealth Beyond Savings Insurance Plan (the Plan) a robust, one-stop wealth management solution offering long-term wealth accumulation potential with flexibility. The plan offers both single-premium and regular-premium payment options, with an expected total internal rate of return (IRR) of up to 6.5% in the 20th policy year for a single-premium USD policy –the fastest and highest in the Hong Kong market¹ – enabling customers to realise attractive potential returns earlier. The Plan also features the special-in-market2 “Wealth Accumulation Switching Option”3, allowing customers to flexibly adjust their wealth management strategy by switching among three options (Advance, Balanced and Conservative) – to align with their evolving financial goals. Product features such as the “Currency Switching Option”4,5 and “Policy Split Option”6, as well as multiple product advantages are designed to comprehensively address customers’ financial needs and global wealth-planning objectives across different life stages.Harnessing its sound investment strategy and strong financial strength, CTF Life has maintained a non-guaranteed accumulation interest rate of 4.25% p.a.7 on participating USD policies for the 14th consecutive year. In addition, the three signature product series8 have achieved a 100% or more fulfilment ratio for ten consecutive years9, demonstrating the Company’s consistency and reliability in delivering customer returns. As of 31 December 2025, CTF Life’s solvency ratio under the Hong Kong Risk-Based Capital (HKRBC) regime stands at 282%10, leading the market11 and well above the minimum regulatory requirement of 100%, providing solid assurance for customers’ long-term wealth accumulation.Customers who successfully apply for the Plan within the designated period can enjoy a maximum premium discount of up to 24% on the total premiums for the first two policy years, together with a guaranteed interest rate offer on prepaid premiums. *The new MyWealth Beyond Savings Insurance Plan reflects CTF Life’s deep understanding of customer needs. In addition to offering market-leading wealth accumulation potential, the Plan incorporates a range of flexible and innovative legacy planning features, empowering customers to manage their wealth with confidence at every stage of life. Key features and dedicated services of the Plan include:1. Wealth Accumulation Switching Option3: While the policy is in force, customers may leverage the special-in-market² switching options with artisanal design to manage their wealth. On the 10th policy anniversary and every policy anniversary thereafter, customers can flexibly switch among the “Advance”, “Balanced”, and “Conservative” switching options. Each option is equipped with different ratio of the “Stable Asset Account”¹² value to the cash value of Reversionary Bonus¹³ (if any) and Terminal Bonus¹â'´ (if any).2. Free Policy Currency Conversion: From the 3rd policy anniversary and any policy anniversary thereafter and while the policy is in force, customers may apply to exercise the Currency Switch Optionâ'´,â'µ, changing the policy currency of the basic plan of the policy to a different currency (like US Dollar, Hong Kong Dollar, Chinese Yuan, Australian Dollar, Canadian Dollar, Euro, British Pound Sterling or Singapore Dollar) without having to provide any evidence of insurability.3. Policy Split Option6: While the policy is in force and the Insured is still alive, after the end of the 3rd Policy Year or the end of the premium payment period (whichever is later), customers may split the original policy by allocating part of the Units of the basic plan to one or more separate policy(ies). This option also applies to the split policy(ies), enabling enhanced flexibility in asset allocation.4. Multiple innovative legacy edges: After the 6th policy monthly anniversary, customers may change the Insured for unlimited times¹â'µ. The plan specially provides the Policy Continuation Option¹â'¶, allowing designated beneficiaries to become new Policy Owners and Insureds upon the death of the original Insured. Upon exercising either of these two options, the coverage will be adjusted to the age of 128 for the new Insured, providing greater flexibility for customers' inheritance arrangements and enabling wealth to be passed on to future generations.5. Flexible policy value withdrawal arrangements: In addition to setting up standing instructions for regular withdrawals17 for the Policy Owner, he/she may also arrange for payments to be directly credited to designated payee(s), such as family members, hospitals, residential care homes for the elderly or charitable institutions. The “Artisanal Default Policy Service” further complements the Plan through a range of dedicated arrangements, offering customers greater flexibility and convenience in withdrawal arrangements.6. Premium Holiday18 of up to 8 years: If the Policy Owner is unfortunately diagnosed with a specified Covered Illness, including cancer, severe heart attack or stroke, the Premium Holiday period may be extended free of charge, giving customers additional financial buffer and peace of mind.7. Flexible settlement options for Death Benefit¹â'¹ / Full Surrender²â'°: Customers can choose from a wide range of Death Benefit Settlement Options for each beneficiary, including a lump-sum payment, regular installment payment¹â'¹, or increasing installment payments¹â'¹. Customers can also choose to receive part of the benefit as a lump sum with the remaining balance paid for increasing installments or customise the payment to start at a specified year or at a specified age of the beneficiary with fixed or increasing installments, ensuring each beneficiary receives the most appropriate arrangement.8. Market-First Customised Life Event Option21: In conjunction with the applicable instalment Death Benefit Settlement Options and the “Life Event Option”, customers may choose to arrange death benefit payouts upon any of the nine preset life events of the Primary Beneficiary, such as marriage or home purchase. Through the first-in-market “Customised Life Event” Option21, customers can also freely customise lump-sum payouts at meaningful life milestones. More than one Life Event Options can be assigned for each primary beneficiary, making protection even more thoughtful and flexible.9. Flexible premium payment options: MyWealth Beyond Savings Insurance Plan offers a choice of single-premium, 5-year and 12-year premium payment periods. For the 5-year premium payment period, customers may also choose to prepay the premiums22 by lump sum payment upon application, thereby enjoying the benefit of paying up the Plan at a lower cost. Interest23 (if any) will also be earned on the prepaid premiums22.Notes:*Application submission period is from 27 April 2026 to 30 June 2026 (both dates inclusive). For details, please refer to the promotional leaflet: https://www.ctflife.com.hk/pdf/en/home/premium_offer_flyer.pdf 1An expected total internal rate of return (IRR) of 6.5% by the 20th policy year applies to single-premium USD policies that meet the minimum premium requirement, assuming no withdrawals, surrender or exercise of any policy options. As of 31 March 2026, the “fastest and highest in the Hong Kong market” refers to the highest expected total IRR of 6.5% and a total return multiple of 3.5 times by the 20th policy year (being the expected total cash value divided by the total premiums paid). These figures are calculated based on the current assumed investment returns, are not guaranteed, are shown on a rounded basis, and are the result of the Company’s comparison among major savings insurance products of major life insurance companies in Hong Kong.2“Special-in-market” is the result of comparing similar major life insurance savings products of major life insurance companies in Hong Kong as of 27 April 2026.3Wealth Accumulation Switching Options and its portfolio ratio:Switching option(s)“Stable Asset Account” allocationAllocation of the cash value of Reversionary Bonus (if any) and cash value of Terminal Bonus (if any)Advance0%100%Balanced40%60%Conservative80%20%“Stable Asset Account Allocation” = the value of “Stable Asset Account” ÷ (cash value of Reversionary Bonus (if any) + cash value of Terminal Bonus (if any) + value of Stable Asset Account) x 100%. Within 30 days before or after the 10th policy anniversary or every policy anniversary thereafter, customers may, subject to the prevailing rules of the Company, exercise the Wealth Accumulation Switching Option to adjust the Switching Option of the basic plan of the policy to achieve Stable Asset Account Allocation at customers’ desire. Subject to specified conditions. Please refer to the Policy Provisions for more details of the Wealth Accumulation Switching Option.4On the 3rd policy anniversary or any policy anniversary thereafter and while the policy is in force, customers may change the policy currency of the basic plan of the policy to a different currency (“New Policy Currency”) through converting the existing basic plan of the policy to a designated new plan (“Designated Plan”) denominated in the New Policy Currency that is available and determined by the Company without providing any evidence of insurability. Subject to specified conditions. Please refer to the Policy Provisions for more details of the Currency Switch Option.5Upon the effective date of Currency Change, the basic plan of the policy will be converted to the Designated Plan denominated in the New Policy Currency. Policy Effective Date and Policy Years of the policy will remain unchanged after the Currency Switch. The existing and future amounts of Unit, Guaranteed Cash Value, premium(s) due and payable (if any), total premiums paid, face value and cash value of Reversionary Bonus and Terminal Bonus (if any), accumulated value of Stable Asset Account (if any) of the basic plan of the policy will be determined and adjusted by the Company at its sole discretion. Any complementary policies and riders under the policy will remain in force under the original policy after the Currency Switch. If any complementary policies and riders are not accepted to retain under the original policy, such complementary policies and riders shall be automatically terminated from the effective date of Currency Switch.6While the policy is in force and after the end of the 3rd Policy Year, the Policy Owner may exercise the Policy Split Option to create one or more separate policy(ies) (the “Split Policy(ies)”), allocating a portion of the Units from the basic plan of the original policy to the Split Policy(ies) without providing any evidence of insurability, subject to specified conditions. The Split Policy(ies) will be effective only after its Policy Provisions and policy specifications are issued. Please refer to the Policy Provisions for more details of Policy Split Option.7The interest rate is not guaranteed and may be adjusted from time to time.8The three signature product series include: (i) "Regent" Series (similar products as "MyWealth" Series), (ii) "HealthCare 168" Series (similar products as "FamCare 198"), and (iii) "Fortune Saver" series (similar products as “Ever Shine").9For policies under the above product series issued during the years from 2015 to 2024, the dividend fulfilment ratio of the Annual Dividend / Reversionary Bonus / Terminal Dividend / Terminal Bonus for each policy issue year reached 100% or above. Please visit CTF Life’s website for the latest dividend fulfilment ratio information of the above or other products.10Source: CTF Services Limited Interim Report 2025–2026. As of 31 December 2025, CTF Life’s solvency ratio under the Hong Kong Risk-Based Capital regime was 282%.11Based on an analysis and comparison of the solvency ratios of the 15 insurance companies with the highest total gross premiums for 2024, as announced in September 2025. Such information is based on the data disclosed by the relevant insurance companies as of 31 December 2024 in accordance with the public disclosure requirements of the Insurance Authority.12Account determined in accordance with the Wealth Accumulation Switching Option provision in which its long-term target asset allocation is 100% in fixed income type securities. The value in the Stable Asset Account will be accumulated at such interest rate as may be declared by the Company from time to time. However, interest rates on the Stable Asset Account are not guaranteed and may even be 0% in any year.13The face value and cash value of Reversionary Bonus are non-guaranteed. However, once declared, the declared face value of Reversionary Bonus will become guaranteed and forms a permanent addition to the policy. Please refer to the Policy Provisions for details of Reversionary Bonus.14A non-guaranteed Terminal Bonus may be declared for this Plan by the Company starting from the 1st policy anniversary. Non-guaranteed Terminal Bonus and its amount may be paid at the sole discretion of the Company. The cash value of Terminal Bonus should be either equal to or less than the face value of Terminal Bonus.15Change of the Insured is subject to the prevailing administrative rules and designated requirements. The Unit, Guaranteed Cash Value, the face value of accumulated Reversionary Bonuses (if any) and the face value of Terminal Bonus (if any), any accumulated value of Stable Asset Account, Policy Date and Policy Years will remain the same on the Insured-Change Effective Date while the Plan End Date will be adjusted to the date of policy anniversary on the 128th birthday of the Changed New Insured or following the 128th birthday of the Changed New Insured (whichever is applicable). Please refer to the Policy Provisions for details of Change of Insured Option.16Upon the death of the Insured, if the Policy Owner (still alive) and the Insured are different persons, the beneficiary will become the Continued New Insured; if the Policy Owner died at the same time or the Policy Owner and the Insured is the same person, subject to the prevailing administrative rules of the Company, the beneficiary will become the new Policy Owner and Continued New Insured of the policy. After this option has been exercised, all Units, total premiums paid, Guaranteed Cash Value, the face value of accumulated Reversionary Bonuses (if any), the face value of Terminal Bonus (if any) and any accumulated value of Stable Asset Account (if any), Policy Date and Policy Years will remain unchanged on the Policy Continuation Effective Date, while the respective plan end date of the basic plan of the policy will be adjusted to the date of policy anniversary on the 128th birthday of the Continued New Insured or the immediately following policy anniversary (whenever is applicable). Please refer to the Policy Provisions for details of Policy Continuation Option.17Policy value withdrawal is subject to the Company’s minimum Unit requirement and the relevant terms and conditions. For regular withdrawals to designated payee(s), the relationship of eligible designated payee(s) must meet the Company’s requirements. The Company reserves the right, at its discretion, to request proof of relationship and to amend the relevant terms and conditions from time to time as necessary. Policy value withdrawal belongs to other policy services. For details, please refer to the relevant service application form and the “Notification of Policy Service Confirmation.”18Premium Holiday is not applicable to the policy with single premium as the premium payment period.  Regardless of whether there has been any change of Policy Owner throughout the premium payment period, if the Policy Owner is diagnosed with the Covered Illness, the Premium Holiday Period may be extended after the Company has received the prescribed form submitted by the Policy Owner together with the medical certificate completed by the attending doctor of the Policy Owner, in accordance with the applicable premium payment period. Please refer to the Policy Provisions for details of Premium Holiday and Covered Illness.19Subject to specified conditions. Please refer to the Policy Provisions for details of Death Benefit Settlement Option.20Subject to specified conditions. Please refer to the Policy Provisions for details of Full Surrender.21“First-in-market” service feature is the results of comparing similar major insurance policy services of major life insurance companies in Hong Kong as of 4 Dec 2025. For the relevant terms and conditions, please refer to the respective service application forms and “Notification of Policy Service Confirmation”.22The premium prepayment option is only applicable to annual premium payment mode. The prepaid premium will be credited to the premium deposit account and accumulate at the prevailing interest rate offered at that time (the current interest rate offered is 2% p.a.), but it is not guaranteed. The Policy Owner can withdraw the full amount of the prepaid premiums from the premium deposit account. However, any interest credited will be forfeited. If the amount of the premium deposit account is not sufficient to pay the premium and premium levy due to a decrease in interest rate, the Policy Owner is required to make up the relevant premium difference (including premium levy). Otherwise, the policy will be terminated or subject to an automatic premium loan. If the Insured passes away, the premium deposit account balance (if any) will be payable to the Policy Owner without any charge.23The current interest rate offered is 2% p.a. but it is not guaranteed.Important Notice:- The information contained in this press release is intended as a general summary of information for reference only. For more details, please refer to relevant product brochures, promotion leaflets, and policy documents. For details regarding the CTF Life MyWealth Beyond Savings Insurance Plan, please refer to the policy contract for details of the full terms and conditions.- This press release does not contain the full provisions, key product risks, and all exclusions of the MyWealth Beyond Savings Insurance Plan, and the full terms can be found in the Policy documents. The MyWealth Beyond Savings Insurance Plan may serve as a standalone plan(s) without bundling with other type(s) of insurance product. Please refer to the main product brochure and policy terms and conditions, as well as the explanatory documents provided by your licensed insurance intermediary, to fully understand the details and complete terms and conditions regarding the mentioned definitions, fees, product features, exclusions, and compensation payment conditions related to MyWealth Beyond Savings Insurance Plan.- Please refer to the product brochure for more information on the MyWealth Beyond Savings Insurance Plan: https://www.ctflife.com.hk/pdf/en/mywealth-beyond-savings-insurance-plan-brochure.pdf- For more information on the Artisanal Default Policy Service, please visit:        https://www.ctflife.com.hk/pdf/en/artisanal-default-policy-service-flyer.pdf - For further details, please contact CTF Life’s Customer Service Hotline on +852 2866 8898.- This press release is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any of our products outside Hong Kong. Chow Tai Fook Life Insurance Company Limited hereby declares that it has no intention to offer to sell, to solicit to buy or to provide any of its products in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of Chow Tai Fook Life Insurance Company Limited is illegal under the laws of that jurisdiction.About CTF LifeChow Tai Fook Life Insurance Company Limited (“CTF Life”) is proud of its rich, 40-year legacy in Hong Kong. CTF Life is a wholly-owned subsidiary of CTF Services Limited (“CTFS”) (Hong Kong Stock Code: 659) and one of the most well-established life insurance companies in Hong Kong. As a member of Chow Tai Fook Enterprises Limited, CTF Life consistently strengthens its collaboration with the Chow Tai Fook Group ecosystem to support customers and their loved ones in navigating life’s journey with personalised planning solutions, lifelong protection and diverse lifestyle experiences. By leveraging the Group’s robust financial strength and strategic investments across the globe, CTF Life aspires to become a leading insurance company in Asia while continuously creating value beyond insurance.Media enquiriesCTF LifeAnki Chong+852 2591 8427anki.chong@ctflife.com.hkParadigm ConsultingEvan Lu+852 2251 9833Ctflife@paradigmconsulting.com.hkChow Tai Fook Life Insurance Company Limited (Incorporated in Bermuda with limited liability) Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com

SINGAPORE, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - Travelling overseas often feels exciting until unexpected charges appear on your card statement after returning home. Many travellers from Singapore rely on overseas credit cards for convenience, rewards, and security, but international transactions can sometimes include hidden costs that are easy to overlook. From currency conversion markups to foreign transaction fees, these charges can quietly increase overall travel expenses. Understanding how these charges work can help travellers manage spending better and make more informed payment choices while abroad.Below are practical ways that can help minimise hidden fees when using credit cards overseas while keeping travel spending smooth and predictable.Understand foreign transaction fees before travellingForeign transaction fees are among the commonly overlooked charges linked to overseas spending. Many cards issued in Singapore charge a fee of around 3.25% per foreign currency transaction, which may not seem significant at first glance. However, on a holiday budget of SGD 4,000, this fee alone can add SGD 130 to total expenses without obvious visibility during purchases.Reviewing the fee structure of an overseas card before travelling can help travellers estimate actual costs more accurately. Some cards offer reduced or promotional foreign transaction charges, which can help manage overall travel budgets more effectively. Knowing these details in advance may also help travellers decide when card payments make financial sense compared to alternative payment methods.Consider paying in local currency instead of SGDWhen paying overseas, merchants sometimes offer the option to charge the amount directly in Singapore dollars. This feature, known as Dynamic Currency Conversion (DCC), may appear convenient because it shows the final amount immediately. However, exchange rates used in DCC transactions often include markups, which can exceed standard bank conversion fees.Choosing to pay in the local currency allows the overseas card network to process the exchange instead. Card networks typically apply more competitive rates compared to merchant-set conversions. Over multiple transactions, such as dining, shopping, and transport, this can help reduce unnecessary markups.Check card currency conversion ratesExchange rates used by card issuers fluctuate daily and may differ slightly from rates seen on currency apps or news platforms. While the difference per transaction might appear minor, frequent purchases abroad can still affect total spending. For example, a 1% difference on SGD 2,500 worth of spending can translate into roughly SGD 25 in additional costs.Reviewing how an overseas card calculates exchange rates can provide better transparency. Some banks publish their rate calculation methods, allowing travellers to estimate expected charges more accurately.Avoid overseas ATM withdrawals when possibleWithdrawing cash abroad using a credit card can trigger multiple layers of fees simultaneously. These may include cash advance fees, overseas ATM operator charges, and immediate interest accrual starting from the withdrawal date. In Singapore, cash advance fees commonly range between 6% and 8% of the withdrawn amount, with minimum charges around SGD 15.Using an overseas card mainly for purchases rather than cash withdrawals can help reduce these compounded costs. Carrying a modest amount of exchanged currency from Singapore or using debit-based solutions for cash needs may help travellers avoid high-interest situations linked to credit card withdrawals overseas.Watch for hotel and car rental pre-authorisation chargesHotels and car rental companies frequently place temporary holds on credit cards as security deposits. These pre-authorisation amounts can be significant depending on location and booking type. Although not permanent charges, they temporarily reduce available credit limits and sometimes involve conversion adjustments once released.Understanding how pre-authorisation works can help travellers avoid confusion when reviewing statements. Using an overseas card with sufficient credit limits may reduce the likelihood of declined transactions during travel. Checking release timelines with merchants can also help travellers track when funds become available again after checkout.Choose a Travel Credit Card designed for overseas spendingNot all credit cards function the same way internationally. Some overseas card options available in Singapore include travel-focused features, such as lower foreign currency fees, travel rewards, or complimentary insurance coverage. These features can help offset certain costs associated with overseas spending when used strategically.Comparing card benefits based on travel frequency, spending habits, and destinations can help travellers identify options aligned with their lifestyle. A well-matched overseas card may also offer added value through rewards or travel-related privileges, making international spending more predictable overall.Final thoughtsFor Singapore travellers, using an overseas card thoughtfully, alongside awareness of currency conversion practices and transaction structures, can help make international payments more transparent. With a few informed habits, overseas spending can remain convenient while reducing the likelihood of unexpected costs appearing after the journey ends.Disclaimer: This content is published by iQuanti Singapore Pte. Ltd., an external marketer engaged and compensated by UOB Ltd.Contact Information:Name: Sonakshi MurzeEmail: Sonakshi.murze@iquanti.comJob Title: ManagerSOURCE: iQuanti Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com

HONG KONG, Apr 27, 2026 - (ACN Newswire via SeaPRwire.com) - China Chunlai Education Group Co., Ltd. ("China Chunlai" or the "Company", together with its subsidiaries and its consolidated affiliated entities, the "Group", Stock Code: 1969) is pleased to announce the unaudited consolidated interim results of the Group for the six months ended 28 February 2026 (the "Reporting Period").For the Reporting Period, the Group continued to increase the number of students enrolment, and recorded a revenue of RMB956.3 million, representing an increase of 7.4% compared with the same period of last year; gross profit recorded RMB511.6 million, representing an increase of 2.4% compared with the same period of last year; profit recorded RMB429.8 million, representing an increase of 5.7% compared with the same period of last year.During the Reporting Period, the Group recorded tuition fees of RMB874.1 million, representing an increase of 7.4%, boarding fees recorded RMB82.2 million, representing an increase of 6.9%. Besides, the revenue of Group's schools increased: Anyang University recorded a revenue of RMB232.5 million, representing an increase of 12.3% compared with the same period of last year; Jingzhou College recorded a revenue of RMB191.7 million, representing an increase of 12.0% compared with the same period of last year; Jiankang College recorded a revenue of RMB76.1 million, representing an increase of 10.5% compared with the same period of last year; Shangqiu University Kaifeng Campus recorded a revenue of RMB138.0 million, representing an increase of 6.1%;Shangqiu University recorded a revenue of RMB217.7 million, representing an increase of 5.8% compared with the same period of last year.As of 28 February 2026, the number of students enrolled was 116,784, representing an increase of 5.3% compared with the same period of last year. Among which, Jingzhou College had a total enrollment of 21,643, representing an increase of 11.0% compared with the same period of last year; Jiankang College had a total enrollment of 10,808, representing an increase of 10.2% compared with the same period of last year; Anyang University had a total enrollment of 28,897, representing an increase of 9.4% compared with the same period of last year; Shangqiu University Kaifeng Campus had a total enrollment of 16,280, representing an increase of 4.8%;Shangqiu University had a total enrollment of 27,051, representing an increase of 1.8% compared with the same period of last year.The educational philosophies of the Group’s schools and well-developed curricula as well as its high graduate employment rates enable the Group to attract high-quality students who are seeking a pathway to satisfactory employment. For the 2025/2026 school year, the overall yield of five colleges that offer bachelor’s degree programmes (being Shangqiu University, Shangqiu University Kaifeng Campus, Anyang University, Anyang University Yuanyang Campus and Jingzhou College) was 91.55%.The Board of China Chunlai Education Group Co., Ltd. said: “In recent years, private higher education in China has continued to improve, and the number of students in schools has continued to increase. We have seized the opportunity to continuously improve and optimize the curriculum system, build an excellent teacher team, strive to expand the enrollment scale, and promote sustained and steady growth in performance. In the future, we expect to enlarge the capacity of the colleges progressively, continue to increase the total number of enrolled students, and hire teachers with a strong command of their respective subject areas who are open to innovative teaching methods and a caring heart toward students’ well-being, and continuously improve the high-quality curriculum system. With Tianping College becoming a consolidated affiliated entity of the Company, our future performance is expected to maintain steady growth.”About China Chunlai Education Group Co., Ltd.:China Chunlai Education Group Co., Ltd. (1969.HK), is a leading provider of private higher education in China. In September 2018, the Group was listed on the main board of the Hong Kong Stock Exchange. Since the Group was established in 2004, it has grown to operate four colleges in Henan Province and two colleges in Hubei Province, participate in the operation of one college in Jiangsu Province. For the past two decades, the schools under the Group have provided tens of thousands of graduates and talents for construction for the country and socialist society. With a strong passion for education, the Group has seen continuous improvements in educational standards across its curriculum. The Group’s unique educational traits and overall excellence have been widely accredited by authorities and society. Copyright 2026 ACN Newswire via SeaPRwire.com. All rights reserved. www.acnnewswire.com