{"id":1915,"date":"2023-02-12T15:53:40","date_gmt":"2023-02-12T15:53:40","guid":{"rendered":"https:\/\/smartwills.com.my\/cn\/?page_id=1915"},"modified":"2024-01-04T09:14:57","modified_gmt":"2024-01-04T09:14:57","slug":"product-disclosure","status":"publish","type":"page","link":"https:\/\/smartwills.com.my\/cn\/product-disclosure\/","title":{"rendered":"\u4ea7\u54c1\u900f\u9732\u58f0\u660e"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; custom_padding=&#8221;150px||150px||false|false&#8221; custom_padding_tablet=&#8221;100px||100px||false|false&#8221; custom_padding_phone=&#8221;100px||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;|10%||10%|false|false&#8221; custom_padding_phone=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Albert Sans||||||||&#8221; header_font=&#8221;Albert Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_font_size=&#8221;40px&#8221; custom_padding=&#8221;50px||50px||false|false&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;35px&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<h1 style=\"text-align: center;\"><b>\u4ea7\u54c1\u900f\u9732\u58f0\u660e<\/b><\/h1>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Albert Sans||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;Albert Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;40px&#8221; custom_padding=&#8221;||50px||false|false&#8221; hover_enabled=&#8221;0&#8243; text_font_size_tablet=&#8221;22px&#8221; text_font_size_phone=&#8221;15px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;33px&#8221; header_font_size_phone=&#8221;32px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p><span style=\"font-weight: 400;\">\u4ee5\u4e0b\u662f\u6211\u4eec\u5728\u7ebf\u9057\u5631\u4ea7\u54c1\u7684\u4ea7\u54c1\u900f\u9732\u58f0\u660e (Product Disclosure Sheet)\u3002 \u8bf7\u4ed4\u7ec6\u9605\u8bfb\uff0c\u5982\u6709\u5fc5\u8981\uff0c\u8bf7\u5728\u4f7f\u7528\u524d\u54a8\u8be2\u72ec\u7acb\u7684\u6cd5\u5f8b\u610f\u89c1\u3002<\/span><\/p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Albert Sans||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;Albert Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;40px&#8221; custom_padding=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; text_font_size_tablet=&#8221;22px&#8221; text_font_size_phone=&#8221;15px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p><b>SmartWills \u5728\u7ebf\u9057\u5631\u670d\u52a1\u4ea7\u54c1\u900f\u9732\u58f0\u660e (Product Disclosure Sheet)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u6211\u4eec\u5efa\u8bae\u5ba2\u6237\u5728\u4f7f\u7528\u5728\u7ebf\u9057\u5631\u670d\u52a1\uff08\u201c\u670d\u52a1\u201d\uff09\u4e4b\u524d\u9605\u8bfb\u672c\u4ea7\u54c1\u900f\u9732\u58f0\u660e\uff08\u201cPDS\u201d\uff09\u3002\u53e6\u8bf7\u9605\u8bfb\u6211\u4eec\u5728\u7ebf\u9057\u5631\u670d\u52a1\u7684\u6761\u6b3e\u548c\u6761\u4ef6\u3002<\/span><\/p>\n<p><b>1.\u8c01\u63d0\u4f9b\u8fd9\u9879\u670d\u52a1\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u5728\u7ebf\u9057\u5631\u670d\u52a1\uff08\u201c\u670d\u52a1\u201d\uff09\u7531 <\/span><b>My Smartwills Sdn Bhd <span style=\"font-weight: 400;\"><strong>[SSM No. 202101002960 \/ 1403258-M] (\u201cMSSB\u201d) <\/strong><\/span><\/b><span style=\"font-weight: 400;\">\u63d0\u4f9b\u7684\u3002<\/span><\/p>\n<p><b>2. \u8fd9\u9879\u670d\u52a1\u662f\u5173\u4e8e\u4ec0\u4e48\u7684\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u53ef\u4ee5\u8bbf\u95ee\u6211\u4eec\u7684\u5b98\u65b9\u7f51\u7ad9 www.smartwills.com.my\uff0c\u5e76\u6839\u636e\u63d0\u4f9b\u7684\u5728\u7ebf\u6307\u5f15\u7f16\u5236\u9057\u5631\u3002\u4e00\u65e6\u5b8c\u6210\u5e76\u5b8c\u6210\u5728\u7ebf\u652f\u4ed8\uff0cMSSB \u4f1a\u4e3a\u60a8\u5236\u5907\u9057\u5631\u7684\u6253\u5370\u7248\u672c\uff0c\u5e76\u901a\u8fc7\u5feb\u9012\u65b9\u5f0f\u9001\u8fbe\u60a8\u7684\u624b\u4e2d\u4ee5\u4fbf\u7b7e\u7f72\u3002<\/span><\/p>\n<p><b>3. \u9057\u5631\u662f\u4ec0\u4e48\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u9057\u5631\u662f\u4e00\u4e2a\u5177\u6709\u6cd5\u5f8b\u6548\u529b\u7684\u6587\u4ef6\uff0c\u5141\u8bb8\u4e2a\u4eba\u660e\u786e\u9648\u8ff0\u5176\u751f\u540e\u5982\u4f55\u5206\u914d\u5176\u8d22\u4ea7\u7684\u610f\u5411\u3002\u901a\u8fc7\u5236\u5b9a\u9057\u5631\uff0c\u60a8\u53ef\u4ee5\u786e\u4fdd\u8d44\u4ea7\u7684\u5206\u914d\u662f\u6309\u7167\u60a8\u7684\u613f\u671b\u8fdb\u884c\u7684\uff0c\u800c\u4e0d\u662f\u5b8c\u5168\u6309\u71671958\u5e74\u7684\u300a\u5206\u914d\u6cd5\u300b(Distribution Act 1958) \u7684\u89c4\u5b9a\u3002\u8fd9\u4e3a\u60a8\u63d0\u4f9b\u4e86\u5411\u4eb2\u4eba\u5206\u914d\u8d44\u4ea7\u7684\u63a7\u5236\u6743\u3002<\/span><\/p>\n<p><b>4. \u6211\u53ef\u4ee5\u5199\u9057\u5631\u5417\uff1f<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u4efb\u4f55\u975e\u7a46\u65af\u6797\uff1a<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u5934\u8111\u6e05\u9192\uff1b<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u99ac\u4f86\u897f\u4e9e\u516c\u6c11\uff1b<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u5e74\u6ee1 18 \u5c81\uff0c\uff1b \u548c<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u80fd\u591f\u7406\u89e3\u7acb\u9057\u5631\u7684\u6027\u8d28\u548c\u76ee\u7684\u53ef\u4ee5\u5199\u9057\u5631\u3002<\/span><\/li>\n<\/ul>\n<p><strong>5.<\/strong> <b>\u6211\u5fc5\u987b\u4e3a\u670d\u52a1\u652f\u4ed8\u54ea\u4e9b\u8d39\u7528\u548c\u6536\u8d39\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\"> <b><\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u6211\u4eec\u7684\u7f51\u7ad9\u6240\u8ff0\uff0c\u6839\u636e\u60a8\u9009\u62e9\u548c\u8ba2\u9605\u7684\u5957\u9910\uff0c\u6bcf\u4efd\u9057\u5631\u90fd\u5e94\u652f\u4ed8\u4e00\u6b21\u6027\u8d39\u7528\u3002 \u6307\u5b9a\u7684\u6240\u6709\u8d39\u7528\u4e0d\u5305\u62ec\u4efb\u4f55\u653f\u5e9c\u7a0e\uff0c\u5305\u62ec\u4f46\u4e0d\u9650\u4e8e\u5355\u72ec\u6536\u53d6\u7684\u9500\u552e\u548c\u670d\u52a1\u7a0e (SST)\uff08\u201c\u8d39\u7528\u548c\u6536\u8d39\u201d\uff09\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><b><br \/>6. \u60a8\u7684\u8d23\u4efb<\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.1 \u60a8\u9700\u8981\u4ed4\u7ec6\u9605\u8bfb\u3001\u5145\u5206\u7406\u89e3\u5e76\u4e25\u683c\u6309\u7167\u6211\u4eec\u7f51\u7ad9\u4e0a\u7684\u6307\u5f15\u64cd\u4f5c\uff0c\u5e76\u6309\u7167\u89c4\u5b9a\u5b8c\u6210\u8d39\u7528\u652f\u4ed8\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.2 \u8bf7\u786e\u4fdd\u60a8\u63d0\u4ea4\u7684\u6240\u6709\u4fe1\u606f\u5747\u4e3a\u771f\u5b9e\u3001\u660e\u786e\u548c\u5b8c\u6574\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.3 \u9700\u8981\u5f3a\u8c03\u7684\u662f\uff0c\u60a8\u7684\u9057\u5631\u5fc5\u987b\u9075\u5faa\u76f8\u5173\u7684\u9057\u5631\u6cd5\u5f8b\u89c4\u5b9a\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.4 \u5982\u679c\u60a8\u5bf9\u6761\u6b3e\u548c\u6761\u4ef6\u6709\u4efb\u4f55\u7591\u8651\uff0c\u5efa\u8bae\u60a8\u5c31\u4e0e\u9057\u5631\u76f8\u5173\u7684\u95ee\u9898\u54a8\u8be2\u4e13\u4e1a\u7684\u6cd5\u5f8b\u987e\u95ee\u3002<\/span><\/p>\n<p><b>7. \u5982\u679c\u6211\u672a\u80fd\u627f\u62c5\u8fd9\u4e9b\u8d23\u4efb\u7684\u540e\u679c\u662f\u4ec0\u4e48\uff1f<\/b><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u82e5\u60a8\u672a\u80fd\u627f\u62c5\u76f8\u5173\u8d23\u4efb\uff0c\u6211\u4eec\u53ef\u80fd\u65e0\u6cd5\u4e3a\u60a8\u5b8c\u6210\u8ba2\u9605\u670d\u52a1\uff0c\u4e14\u60a8\u7684\u9057\u5631\u53ef\u80fd\u88ab\u89c6\u4e3a\u65e0\u6cd5\u751f\u6548\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><b><br \/>8.\u4e3b\u8981\u98ce\u9669\u662f\u4ec0\u4e48\uff1f<\/b><\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e0e\u4efb\u4f55\u5728\u7ebf\u4ea4\u6613\u76f8\u5173\u7684\u98ce\u9669\u5747\u9002\u7528\u3002 \u5982\u679c\u60a8\u65e0\u6cd5\u9075\u5b88\u6761\u6b3e\u548c\u6761\u4ef6\uff0c\u60a8\u7684\u9057\u5631\u53ef\u80fd\u4f1a\u4f9d\u6cd5\u65e0\u6548\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><br \/><\/span><strong>9.\u5199\u9057\u5631\u7684\u5185\u5728\u98ce\u9669\u662f\u4ec0\u4e48\uff1f<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">9.1 \u9057\u5631\u4e0d\u4f1a\u53d6\u4ee3\u5148\u524d\u7684\u63d0\u540d\uff0c\u5373\u4fdd\u9669\u3001\u516c\u79ef\u91d1 (EPF)\uff08\u5982\u679c\u6709\uff09\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.2 \u5982\u679c\u60a8\u5728\u9057\u5631\u4e2d\u6307\u5b9a\u7684\u53d7\u76ca\u4eba\u5728\u60a8\u53bb\u4e16\u65f6\u672a\u6ee1 18 \u5c81\uff0c\u4ed6\/\u5979\u7684\u4efd\u989d\u5c06\u7531\u6307\u5b9a\u7684\u76d1\u62a4\u4eba\u4ee5\u4fe1\u6258\u65b9\u5f0f\u7ba1\u7406\uff0c\u76f4\u5230\u4ed6\/\u5979\u5e74\u6ee1 18 \u5c81\u3002<\/p>\n<p><\/span><strong>10. \u6211\u5982\u4f55\u8ba2\u9605\u670d\u52a1\uff1f<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">10.1 \u60a8\u5fc5\u987b\u62e5\u6709\u6211\u4eec\u7f51\u7ad9\u7684\u6709\u6548\u7528\u6237\u540d\u548c\u5bc6\u7801\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10.2 \u60a8\u5fc5\u987b\u51c6\u5907\u597d\u6240\u6709\u76f8\u5173\u6587\u4ef6\uff0c\u4f8b\u5982\u7ee7\u627f\u4eba\/\u53d7\u76ca\u4eba\u7684\u5168\u540d\u548c\u8eab\u4efd\u8bc1\/\u62a4\u7167\u53f7\u7801\u3001\u9057\u5631\u6267\u884c\u4eba\u7684\u5168\u540d\u548c\u8eab\u4efd\u8bc1\/\u62a4\u7167\u53f7\u7801\u7b49\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10.3 \u767b\u5f55\u6211\u4eec\u7684\u7f51\u7ad9<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10.4 \u70b9\u51fb\u201c\u5f00\u59cb\u5728\u7ebf\u5199\u9057\u5631\u201d\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10.5 \u60a8\u5fc5\u987b\u9605\u8bfb\u3001\u7406\u89e3\u5e76\u540c\u610f\u4ea7\u54c1\u62ab\u9732\u8868\u3001\u6761\u6b3e\u548c\u6761\u4ef6\u548c\u540c\u610f\u62ab\u9732\uff0c\u7136\u540e\u518d\u7ee7\u7eed\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10.6 \u9009\u62e9\u201c\u7ee7\u7eed\u201d\u5e76\u6309\u7167\u663e\u793a\u7684\u8bf4\u660e\u5b8c\u6210\u63d0\u4ea4\u3002<\/p>\n<p><\/span><strong>11. \u8c01\u6709\u8d44\u683c\u62c5\u4efb\u6211\u7684\u6267\u884c\u4eba\uff1f<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u4efb\u4f55\u5e74\u6ee118\u5c81\u3001\u5fc3\u667a\u5065\u5168\u7684\u4eba\uff0c\u53ea\u8981\u4ed6\u4eec\u540c\u610f\u63a5\u53d7\u6b64\u4efb\u547d\u5e76\u6709\u80fd\u529b\u7ba1\u7406\u60a8\u7684\u9057\u4ea7\uff0c\u5747\u53ef\u4ee5\u6210\u4e3a\u6267\u884c\u4eba\u3002<\/p>\n<p><\/span><strong>12. \u6211\u9700\u8981\u591a\u5c11\u4e2a\u6267\u884c\u4eba\uff1f<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u9700\u8981\u4e00 (1) \u4e2a\u6267\u884c\u4eba\u3002 \u4f46\u662f\uff0c\u5982\u679c\u53d7\u76ca\u4eba\u672a\u6ee1 18 \u5c81\uff0c\u60a8\u5fc5\u987b\u6307\u5b9a\u81f3\u5c11\u4e24 (2) \u540d\u6267\u884c\u4eba\u3002 <\/p>\n<p><\/span><b>13. \u8c01\u53ef\u4ee5\u505a\u6211\u7684\u89c1\u8bc1\u4eba\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u4efb\u4f55\u5e74\u6ee1 18 \u5c81\u4e14\u672a\u5728\u60a8\u7684\u9057\u5631\u4e2d\u6307\u5b9a\u4e3a\u53d7\u76ca\u4eba\/\u7ee7\u627f\u4eba\u7684\u4eba\u3002<\/p>\n<p><\/span><b>14. \u9057\u5631\u5982\u4f55\u89c4\u5b9a\u8d44\u4ea7\u5206\u914d\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u672c\u670d\u52a1\u4ec5\u5141\u8bb8\u60a8\u6309\u767e\u5206\u6bd4 (%) \u6bd4\u4f8b\u5206\u914d\u60a8\u7684\u8d44\u4ea7\u3002<\/p>\n<p><\/span><b>15. \u201c\u201cLast Will &amp; Testament\u201d\u201d\u662f\u4ec0\u4e48\u610f\u601d\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u5728\u6b63\u5f0f\u7b7e\u7f72\u548c\u89c1\u8bc1\u540e\u6536\u5230\u7684\u9057\u5631\u5c06\u81ea\u52a8\u64a4\u9500\u60a8\u4e4b\u524d\u5199\u7684\u4efb\u4f55\u9057\u5631\uff0c\u5e76\u5c06\u88ab\u89c6\u4e3a\u60a8\u7684\u6700\u540e\u9057\u5631\uff0c\u9664\u975e\u968f\u540e\u7684\u9057\u5631\u64a4\u9500\u3002<\/p>\n<p><\/span><b>16. \u6211\u662f\u5426\u53ef\u4ee5\u4fee\u6539\u6211\u7684\u9057\u5631\uff1f\u8d39\u7528\u662f\u591a\u5c11\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u4e0d\u53ef\u4ee5\uff0c\u4e00\u65e6\u60a8\u786e\u8ba4\u5e76\u5b8c\u6210\u4ed8\u6b3e\uff0c\u9057\u5631\u7684\u5185\u5bb9\u5c06\u65e0\u6cd5\u8fdb\u884c\u66f4\u6539\u3002\u4f46\u5982\u679c\u60a8\u6709\u5176\u4ed6\u9700\u6c42\uff0c\u5982\u66f4\u6539\u53d7\u76ca\u4eba\uff0c\u60a8\u53ef\u4ee5\u901a\u8fc7\u91cd\u65b0\u5728\u7f51\u7ad9\u4e0a\u63d0\u4ea4\u65b0\u7684\u7533\u8bf7\u6765\u8fdb\u884c\u76f8\u5e94\u7684\u8c03\u6574\u3002\u76f8\u5173\u8d39\u7528\u5c06\u6309\u7167\u7f51\u7ad9\u4e0a\u6700\u65b0\u7684\u5b9a\u4ef7\u6807\u51c6\u8ba1\u7b97\u3002\u00a0<\/p>\n<p><\/span><b>17. \u6211\u53ef\u4ee5\u53d6\u6d88\u8ba2\u9605\u5417\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u53ef\u4ee5\u5728\u4ed8\u6b3e\u524d\u968f\u65f6\u53d6\u6d88\u8ba2\u9605\u3002 \u5982\u679c\u5df2\u4ed8\u6b3e\uff0c\u5219\u4e0d\u5141\u8bb8\u9000\u6b3e\u3002<\/p>\n<p><\/span><b>18. \u5982\u679c\u6211\u7684\u8054\u7cfb\u65b9\u5f0f\u53d1\u751f\u53d8\u5316\uff0c\u6211\u9700\u8981\u505a\u4ec0\u4e48\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u7684\u8054\u7cfb\u65b9\u5f0f\u6709\u4efb\u4f55\u53d8\u5316\uff0c\u8bf7\u901a\u77e5 <\/span><b>MSSB<\/b><span style=\"font-weight: 400;\">\u3002 \u8981\u66f4\u65b0\u60a8\u7684\u8054\u7cfb\u65b9\u5f0f\uff0c\u60a8\u53ef\u4ee5\u8bbf\u95ee\u6211\u4eec\u7684\u7f51\u7ad9\u5bfb\u6c42\u5e2e\u52a9\u3002<\/span><\/p>\n<p><b>19. \u6211\u5c06\u5728\u4f55\u65f6\u63a5\u6536\u5230\u9057\u5631\u7684\u7535\u5b50\u6216\u6253\u5370\u7248\u672c\uff1f<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u5c06\u572824\u5c0f\u65f6\u5185\u6536\u5230MSSB\u63d0\u4f9b\u7684\u9057\u5631\u7684\u7535\u5b50\u7248\u672c\uff08PDF\u683c\u5f0f\uff09\uff0c\u5e76\u901a\u8fc7\u7535\u5b50\u90ae\u4ef6\u9644\u4ef6\u53d1\u9001\u5230\u60a8\u63d0\u4f9b\u7684\u90ae\u7bb1\u5730\u5740\u3002\u82e5\u60a8\u9009\u62e9\u4e86\u6211\u4eec\u7684\u9ad8\u7ea7\u670d\u52a1\u9009\u9879\uff0c\u6253\u5370\u7248\u7684\u9057\u5631\u5c06\u5728\u60a8\u63d0\u4f9b\u5b8c\u6574\u4e14\u51c6\u786e\u7684\u4fe1\u606f\u540e\uff0c\u5e76\u5728\u6536\u5230\u652f\u4ed8\u786e\u8ba4\u901a\u77e5\u76845\u4e2a\u5de5\u4f5c\u65e5\u5185\uff0c\u901a\u8fc7\u90ae\u5bc4\u7684\u65b9\u5f0f\u53d1\u9001\u5230\u60a8\u7684\u6307\u5b9a\u5730\u5740\u3002<\/span><span style=\"font-weight: 400;\"><b><\/b><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><b><br \/>20. \u5982\u4f55\u83b7\u53d6\u5e2e\u52a9\u548c\u66f4\u591a\u7684\u76f8\u5173\u4fe1\u606f\uff1f<\/b><\/span><\/p>\n<p><b> <\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u60a8\u5bf9\u9057\u5631\u6709\u4efb\u4f55\u7591\u95ee\u6216\u7279\u5b9a\u7684\u8981\u6c42\uff0c\u60a8\u53ef\u8bbf\u95ee\u6211\u4eec\u7684\u5b98\u65b9\u7f51\u7ad9 <\/span><span style=\"font-weight: 400;\">www.smartwills.com.my<\/span><span style=\"font-weight: 400;\">, \u90a3\u91cc\u63d0\u4f9b\u4e86\u6211\u4eec\u7684\u8054\u7cfb\u7535\u8bdd\u3001\u7535\u5b50\u90ae\u4ef6\u5730\u5740\u53ca\u5728\u7ebf\u5ba2\u670d\u5e2e\u52a9\u529f\u80fd\u3002<\/span><\/p>\n<p><b>My Smartwills Sdn Bhd (1403258-M)<br \/><\/b><span style=\"font-weight: 400;\">Address: <\/span><span style=\"font-weight: 400;\">116-1, Jalan Rimbunan Raya, Laman Rimbunan, Kepong, 52100 Kuala Lumpur<\/span><span style=\"font-weight: 400;\"><\/span><span style=\"font-weight: 400;\"><b><\/b><\/span><\/p>\n<p><strong>Tel (Customer Care): 1700819942<br \/><\/strong><span style=\"font-weight: 400;\">Email: enquiry@smartwills.com.my<br \/><\/span><span style=\"font-weight: 400;\">Web: www.smartwills.com.my<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">* \u672c\u4ea7\u54c1\u900f\u9732\u58f0\u660e\u4e2d\u63d0\u4f9b\u7684\u4fe1\u606f\u622a\u81f3 2023 \u5e74 9 \u6708 11 \u65e5\u6709\u6548\u3002<\/span><\/p>\n<p><b>\u91cd\u8981\u63d0\u793a<\/b><span style=\"font-weight: 400;\">\uff1a\u82e5\u672c\u534f\u8bae\u4e2d\u4efb\u4f55\u6761\u6b3e\u7684\u82f1\u8bed\u7248\u672c\u4e0e\u8be5\u6761\u6b3e\u7684\u5176\u4ed6\u4efb\u4f55\u8bed\u8a00\u7248\u672c\u4e4b\u95f4\u6709\u51b2\u7a81\u6216\u4e0d\u4e00\u81f4\u4e4b\u5904\uff0c\u5e94\u4ee5\u672c\u534f\u8bae\u7684\u82f1\u8bed\u7248\u672c\u4e3a\u51c6\u3002<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>\u4ea7\u54c1\u900f\u9732\u58f0\u660e\u4ee5\u4e0b\u662f\u6211\u4eec\u5728\u7ebf\u9057\u5631\u4ea7\u54c1\u7684\u4ea7\u54c1\u900f\u9732\u58f0\u660e (Product Disclosure Sheet)\u3002 \u8bf7\u4ed4\u7ec6\u9605\u8bfb\uff0c\u5982\u6709\u5fc5\u8981\uff0c\u8bf7\u5728\u4f7f\u7528\u524d\u54a8\u8be2\u72ec\u7acb\u7684\u6cd5\u5f8b\u610f\u89c1\u3002SmartWills \u5728\u7ebf\u9057\u5631\u670d\u52a1\u4ea7\u54c1\u900f\u9732\u58f0\u660e (Product Disclosure Sheet) \u6211\u4eec\u5efa\u8bae\u5ba2\u6237\u5728\u4f7f\u7528\u5728\u7ebf\u9057\u5631\u670d\u52a1\uff08\u201c\u670d\u52a1\u201d\uff09\u4e4b\u524d\u9605\u8bfb\u672c\u4ea7\u54c1\u900f\u9732\u58f0\u660e\uff08\u201cPDS\u201d\uff09\u3002\u53e6\u8bf7\u9605\u8bfb\u6211\u4eec\u5728\u7ebf\u9057\u5631\u670d\u52a1\u7684\u6761\u6b3e\u548c\u6761\u4ef6\u3002 1.\u8c01\u63d0\u4f9b\u8fd9\u9879\u670d\u52a1\uff1f \u5728\u7ebf\u9057\u5631\u670d\u52a1\uff08\u201c\u670d\u52a1\u201d\uff09\u7531 My Smartwills Sdn Bhd [SSM No. 202101002960 \/ 1403258-M] (\u201cMSSB\u201d) \u63d0\u4f9b\u7684\u3002 2. \u8fd9\u9879\u670d\u52a1\u662f\u5173\u4e8e\u4ec0\u4e48\u7684\uff1f \u60a8\u53ef\u4ee5\u8bbf\u95ee\u6211\u4eec\u7684\u5b98\u65b9\u7f51\u7ad9 www.smartwills.com.my\uff0c\u5e76\u6839\u636e\u63d0\u4f9b\u7684\u5728\u7ebf\u6307\u5f15\u7f16\u5236\u9057\u5631\u3002\u4e00\u65e6\u5b8c\u6210\u5e76\u5b8c\u6210\u5728\u7ebf\u652f\u4ed8\uff0cMSSB \u4f1a\u4e3a\u60a8\u5236\u5907\u9057\u5631\u7684\u6253\u5370\u7248\u672c\uff0c\u5e76\u901a\u8fc7\u5feb\u9012\u65b9\u5f0f\u9001\u8fbe\u60a8\u7684\u624b\u4e2d\u4ee5\u4fbf\u7b7e\u7f72\u3002 3. \u9057\u5631\u662f\u4ec0\u4e48\uff1f \u9057\u5631\u662f\u4e00\u4e2a\u5177\u6709\u6cd5\u5f8b\u6548\u529b\u7684\u6587\u4ef6\uff0c\u5141\u8bb8\u4e2a\u4eba\u660e\u786e\u9648\u8ff0\u5176\u751f\u540e\u5982\u4f55\u5206\u914d\u5176\u8d22\u4ea7\u7684\u610f\u5411\u3002\u901a\u8fc7\u5236\u5b9a\u9057\u5631\uff0c\u60a8\u53ef\u4ee5\u786e\u4fdd\u8d44\u4ea7\u7684\u5206\u914d\u662f\u6309\u7167\u60a8\u7684\u613f\u671b\u8fdb\u884c\u7684\uff0c\u800c\u4e0d\u662f\u5b8c\u5168\u6309\u71671958\u5e74\u7684\u300a\u5206\u914d\u6cd5\u300b(Distribution Act 1958) \u7684\u89c4\u5b9a\u3002\u8fd9\u4e3a\u60a8\u63d0\u4f9b\u4e86\u5411\u4eb2\u4eba\u5206\u914d\u8d44\u4ea7\u7684\u63a7\u5236\u6743\u3002 4. \u6211\u53ef\u4ee5\u5199\u9057\u5631\u5417\uff1f \u4efb\u4f55\u975e\u7a46\u65af\u6797\uff1a \u5934\u8111\u6e05\u9192\uff1b \u99ac\u4f86\u897f\u4e9e\u516c\u6c11\uff1b \u5e74\u6ee1 18 \u5c81\uff0c\uff1b \u548c \u80fd\u591f\u7406\u89e3\u7acb\u9057\u5631\u7684\u6027\u8d28\u548c\u76ee\u7684\u53ef\u4ee5\u5199\u9057\u5631\u3002 5. \u6211\u5fc5\u987b\u4e3a\u670d\u52a1\u652f\u4ed8\u54ea\u4e9b\u8d39\u7528\u548c\u6536\u8d39\uff1f \u5982\u6211\u4eec\u7684\u7f51\u7ad9\u6240\u8ff0\uff0c\u6839\u636e\u60a8\u9009\u62e9\u548c\u8ba2\u9605\u7684\u5957\u9910\uff0c\u6bcf\u4efd\u9057\u5631\u90fd\u5e94\u652f\u4ed8\u4e00\u6b21\u6027\u8d39\u7528\u3002 \u6307\u5b9a\u7684\u6240\u6709\u8d39\u7528\u4e0d\u5305\u62ec\u4efb\u4f55\u653f\u5e9c\u7a0e\uff0c\u5305\u62ec\u4f46\u4e0d\u9650\u4e8e\u5355\u72ec\u6536\u53d6\u7684\u9500\u552e\u548c\u670d\u52a1\u7a0e (SST)\uff08\u201c\u8d39\u7528\u548c\u6536\u8d39\u201d\uff09\u3002 6. \u60a8\u7684\u8d23\u4efb 6.1 \u60a8\u9700\u8981\u4ed4\u7ec6\u9605\u8bfb\u3001\u5145\u5206\u7406\u89e3\u5e76\u4e25\u683c\u6309\u7167\u6211\u4eec\u7f51\u7ad9\u4e0a\u7684\u6307\u5f15\u64cd\u4f5c\uff0c\u5e76\u6309\u7167\u89c4\u5b9a\u5b8c\u6210\u8d39\u7528\u652f\u4ed8\u3002 6.2 \u8bf7\u786e\u4fdd\u60a8\u63d0\u4ea4\u7684\u6240\u6709\u4fe1\u606f\u5747\u4e3a\u771f\u5b9e\u3001\u660e\u786e\u548c\u5b8c\u6574\u3002 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1915","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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