Dear Friends, Clients, Business Partners:

As we reflect on 2024, I am filled with gratitude for your continued trust and partnership. This past year has been one of significant growth and meaningful developments, and I'm excited to share these updates with you.

The year brought several milestones that have enhanced our ability to serve you better. I'm humbled to have been recognised as the Top Recruiting Manager at Great Eastern Life Singapore and to have achieved the Institute of Banking and Finance Level 3 recognition. While these achievements are meaningful, what truly matters is how they enable us to provide you with superior service and expertise.

Our investment management approach has evolved significantly. The Dynamic Asset Allocation strategy, implemented in mid-2023, has demonstrated robust performance with an average annual return of 20%. While past performance doesn't guarantee future results, this success reinforces our commitment to innovative, effective investment strategies.

To better serve you, we've strengthened our foundation in several ways:

• Enhanced our team with a dedicated Personal Assistant to ensure smooth administrative operations

• Expanded our service offerings to include LPA and Wills services

• Conducted various workshops and seminars to share knowledge and insights

• Streamlined our investment management mechanisms (those involved will receive detailed information soon)

Looking ahead to 2025, we're focusing on several key initiatives:

• Further developing our fund investment management capabilities

• Exploring opportunities in the China market

• Introducing more efficient solutions for various insurance plans, including Whole Life with ERB, Financial Guardian, Dynamic ProLife, Foundation Policy, and Prime Life

For those who have been with us through the post-COVID recovery, you may have noticed our enhanced operational efficiency and service quality. This improvement reflects our commitment to continuous growth and adaptation to serve you better.

As a GELAC Life Member and your financial partner, my commitment to excellence remains unwavering. I believe in taking a holistic approach to your financial well-being, considering not just your investments but your overall financial security and that of your family members.

As we move forward, I remain dedicated to maintaining the high standards you've come to expect while constantly seeking ways to enhance our services. Your success is our success, and your trust drives us to excel.

Thank you for your continued confidence in our partnership. I look forward to working together in the coming year and beyond, helping you achieve your financial goals with the same dedication and integrity you've always known us for.

Wishing you and your loved ones a year of prosperity, good health, and success ahead.

祝　阖家安康
Peace to your family,
Yang Sheng (Syamsul)