1. What is Phillip Prestige?
Phillip Prestige is an exclusive by-invitation only membership offered by Phillip Securities Pte Ltd (PSPL) to eligible Members. It offers access to a specially curated suite of privileges and services that is available only to Members.

2. How do I become a Phillip Prestige Member?
Phillip Prestige membership is strictly by-invitation only. Eligible Members are determined based on internal qualifying criteria and will be automatically invited and enrolled into the programme.

3. What privileges and services does Phillip Prestige offer?
Phillip Prestige offers access to a specially curated suite of exclusive privileges and services. Details can be found here.
PSPL reserves the right to modify or withdraw any of the privileges and benefits at its sole discretion.

4. What happens if I no longer meet the internal criteria?
Members who do not meet the internal criteria at the time of review may be excluded from redeeming any programme privileges.

5. Who is not eligible for Phillip Prestige?
The following customers are not eligible unless approved by PSPL management:
• Corporate Accounts, B2B Accounts holders, and Joint Account holders.
• PSPL account holders whose accounts are suspended, cancelled, or terminated.
• Employees of all PhillipCapital Group and its partners (e.g., trading representatives, financial advisors) and their immediate families (e.g., spouse and children).

6. Do I need to contact my licensed representative(s) to enjoy Prestige privileges?
A: Yes, Members must contact their licensed representative(s) to access most privileges except for complimentary lifestyle privileges.

7. What complimentary lifestyle privileges do I receive as a Phillip Prestige Member?
As a Phillip Prestige Member, you are entitled to one of the following each calendar year:

• Two (2) Priority Pass airport lounge access passes, OR
• Two (2) one-way limousine airport transfers to or from Singapore Changi Airport which may be utilised as a round-trip (e.g. one arrival and one departure transfer) or as two separate one-way transfers.

8. Can I choose both lounge access and limousine transfers within the same year?
No. Once you have redeemed the first benefit (either lounge or limousine), the choice is final and cannot be changed within the same calendar year.

9. How do I redeem my Priority Pass airport lounge passes?

Step 1: Member must first email talktophillip@phillip.com.sg with the following details:

• Full name of the Phillip Prestige Member. (First and last names must match passport details)
If an additional LoungeKey digital pass is required for another individual, their full name must also be provided as per passport details.
• Number of LoungeKey digital passes required.
• The email must be sent from the registered email address with PSPL.
(PSPL will only send the LoungeKey digital pass(es) to the Members registered email address.)

Step 2: Redemption requests will be acknowledged within five (5) working days, subject to verification of membership.

Step 3: Upon successful verification, LoungeKey digital pass(es) will be sent via email from Loungekeypass@loungekey.com within 48 hours to the Members registered email.

Step 4: Once received, Member may present the LoungeKey digital pass(es) at any lounge counter for access to the Airport Lounge.

To locate a participating lounge, visit: www.loungefinder.loungekey.com/PhillipCapital

10. How do I redeem my Limousine Airport Transfers?

Step 1: Member must first email talktophillip@phillip.com.sg with the following details:

• Full name of the Phillip Prestige Member.
• The email must be sent from the registered email address with PSPL.
(PSPL will only send the redemption code to the Members registered email address.)

Step 2: Requests will be acknowledged within five (5) working days, subject to successful verification of Phillip Prestige membership.

Step 3: Upon receiving the redemption code, Member must proceed to the official booking portal at https://system.tbrglobal.com/limo/phillipprestige and submit the code to complete the limousine airport transfer booking. Each code may be used to book both one-way transfers at once or on separate occasions.

11. What preferential fees and rates do Phillip Prestige members enjoy?
As a Phillip Prestige member, you will enjoy preferential rates and fees across a range of financial services, including:
• Share Borrowing and Lending (SBL): Access to preferential borrowing rates for SGX-listed securities.
• Foreign Exchange (FX) Conversion: Enjoy preferential FX rates with Multi-Currency Facility.
• Secured Personal Loans: Reduced loan processing fees on financing solutions.
• Contracts for Differences (CFD): Lower long finance charges for selected equity and index CFDs.
• Trust Services: Discounted trust setup fees.
Please note that all privileges are subject to specific terms and conditions. For full details, please refer to the Phillip Prestige Programme Terms and Conditions.

12. Are there any welcome gifts or rewards for new investments or products?
Yes. Phillip Prestige members are eligible for one-time welcome rewards when you invest or purchase for the first time in the following products:
• Unit Trust Investments (Advisory and Non-Advisory account)
• Life Insurance Policies (Regular and Single Premium)
• Phillip SMART Portfolio Accounts
• Wholesale Bond Transactions
Please note that each reward is subject to specific terms and conditions. For full details, please refer to the Phillip Prestige Programme Terms and Conditions.

13. Are there any complimentary services related to trust planning?
Yes. Phillip Prestige members are entitled to complimentary trust consultation with our estate planning specialists. This personalised session helps you assess how trust structures can support your long-term wealth preservation and succession planning.

14. Do Phillip Prestige members receive any complimentary refreshments?
Yes. Phillip Prestige members enjoy complimentary beverages at our Phillip Investor Centre, located at Raffles City Tower Level 6.

15.What is the entitlement for complimentary Priority Pass airport lounge passes for using PSPL’s margin facility?
Eligible Members who utilise our margin facility and fulfil specific qualifying criteria are entitled to three (3) complimentary Priority Pass airport lounge visits per quarter. This benefit is independent of the lifestyle privileges offered under the Phillip Prestige programme.

16. Can I bring a guest to the Priority Pass airport lounge?
Yes, you may redeem one of your two complimentary passes for a guest. The guest name must be provided during redemption, and you must accompany the guest when entering the lounge. Both passes must be redeemed under your membership entitlement.

17. What if my name or guest name is given incorrectly upon my Priority Pass airport lounge redemption?
Please ensure the full names match passport details exactly. Incorrect information may result in unsuccessful lounge access, and the digital pass will be considered used and non-refundable.

18. What if I didn’t receive my LoungeKey pass email?
First, check your junk/spam folder for an email from Loungekeypass@loungekey.com. If you still can’t find it, contact us at 6531 1551 or email talktophillip@phillip.com.sg.

19. Who do I contact if I have issues at the lounge?

You may contact LoungeKey support at:
• UK: +44 (0) 208 865 0767
• Hong Kong: +852 3071 5062
• USA (Dallas): +1 469 334 4174
Full Priority Pass terms: https://portal.loungekey.com/en/cgsin/conditions-of-use/

20. How long is my redemption code valid for?
The validity of your redemption code will be stated in the email you receive after redemption. Please refer to that email for the expiry date and ensure your transfers are booked and completed before the code expires.

21. Can I use the complimentary limousine airport transfers outside of Singapore?
No. The complimentary limousine airport transfer service is strictly applicable only to and from Singapore Changi Airport. Usage at overseas airports is not covered under this benefit.

22. Can someone else use my limousine airport transfer on my behalf?
No. The entitlement is non-transferable. The Phillip Prestige Member must be a passenger in the limousine during the transfer.

23. Can I book both one-way transfers at the same time?
Yes. Each redemption code provides two (2) one-way transfers, which may be booked together (e.g., arrival and departure) or separately, depending on your travel plans.

24. What happens if I cancel or don’t show up for a booking?
If you cancel or amend a booking less than 24 hours before the scheduled pick-up, or fail to show up, one (1) one-way transfer entitlement will be forfeited.
A full cancellation fee may also apply. Please refer to the T&Cs for more details on cancellation and no-show policies.

25. Are child/booster seats available for young passengers?
Yes. You may request a child/booster seat at SGD 27.00 per seat. It is mandatory by law in Singapore for children below 1.35m in height to be secured in an appropriate seat.
Note: Please request the seat in advance during the booking process.

26. Can I bring pets on board?
No. Pets are strictly not allowed, even if they are in travel crates or carriers.

27. Can I make stops or detours during my transfer?
No. The complimentary transfer is for direct airport pick-up or drop-off only. Additional stops, detours, or excess waiting time are not included.

28. Can the terms of the Phillip Prestige change?
Yes, PSPL reserves the right to modify or terminate Phillip Prestige at any time. Members will be notified of significant changes. Continued participation after notification of any changes will imply acceptance of the revised terms by the Members.

29. How can I exit or re-join the Phillip Prestige Programme?
If you wish to exit the Phillip Prestige Programme, you may opt out at any time by contact our customer service at +65 6531 1551 or send us an email at talktophillip@phillip.com.sg. Alternatively, you can also reach out to your licensed representative for assistance. Upon opting out, you will no longer be eligible for the exclusive privileges and services offered by Phillip Prestige.

Should you wish to re-join the Programme after opting out, please contact your licensed representative directly. Re-enrolment of the programme will be subject to eligibility under prevailing criteria at the time of review.

30. Who do I contact for Airport Limousine booking issues?
For booking assistant, you may email TBR at res.asia@tbrglobal.com or contact 24/7 Customer Support Hotline:
• Singapore: +65 6950 0410
• Hong Kong: +852 5804 2960
Full TBR terms: www.tbrglobal.com/terms

31. Who can I contact for enquiries about the Phillip Prestige programme?
For any questions or assistance regarding the Phillip Prestige programme, you may:
• Contact our Prestige customer service hotline at +65 6531 1551
• Email us at talktophillip@phillip.com.sg
• Alternatively, you may reach out to your licensed representative directly for personalised assistance.