H&S AML acts as an investment manager and provides wealth management services to clients on a discretionary basis pursuant to their respective investment requirements, objectives, and restrictions as contained in the investment management agreements executed between our clients and H&S AML. The products invested by H&S AML include equity, bonds, exchange-traded funds, equity funds, foreign exchange spot and forward contracts, real estate investment trusts and structured products such as equity-linked notes. The products selection process is aimed to ensure suitable products were selected for clients based on their financial conditions and risk-return appetite.