Smart Jumbo Saver 10 II Savings Plan You expect more. You want the very best education for your children. You want a more comfortable retirement. Smart Jumbo Saver 10 II is a savings plan with guaranteed cash endowments that helps you achieve your savings goal quick. With only 10 years of premium payments, you will enjoy steady wealth growth over time and life protection up to age 100 providing you and your family with total peace of mind. Guaranteed Cash Benefits to Assure Steady Wealth Growth Guaranteed Cash Endowments Every 3 Years – With Smart Jumbo Saver 10 II, you will receive cash endowments guaranteed by our Company, each of which equals to 8% of the basic sum insured, every 3 years until the 15th policy anniversary. You are free to withdraw these guaranteed cash endowments as cash or leave them with us to accumulate interest. The choice is yours. Guaranteed Cash Value – In addition to the guaranteed cash endowments, Smart Jumbo Saver 10 II also offers guaranteed cash value. Such cash value is guaranteed by our Company upon surrender regardless of the performance of the investment market, which helps you to plan ahead for a sound future and to enjoy steady wealth growth with certainty. Additional Returns from Annual Dividends and Special Investment Bonus Annual Dividendsto Help You Save – On top of your guaranteed cash value and guaranteed cash endowments, you can benefit from the annual dividendsdeclared by our Company to grow your wealth. Your annual dividends will be accumulated at the current interest rate. Just sit back and let your money work for you! Annual dividends are not guaranteed and may be changed, from time to time, by the Company. The current interest rate for accumulated dividends is not guaranteed and may be changed, from time to time, by the Company. Special Investment Bonus – For surrender of policy or in the unfortunate event of death, a one-off special investment bonus will be payable if the policy has been in force for 5 years. Special investment bonus is not guaranteed and may be changed, from time to time, by the Company. Comprehensive Protection Gives You Total Peace of Mind Life Protection up to Age 100 – Smart Jumbo Saver 10 II gives you life protection up to age 100. In the unfortunate event of death, your designated beneficiary will receive the basic sum insured, the accumulated dividends (if any) plus the special investment bonus (if any). You can be assured that your loved ones are well taken care of financially. Fixed Premium and Life Coverage – Under Smart Jumbo Saver 10 II, your premium for the life protection is fixed and guaranteed to remain unchanged for 10 years. Moreover, your life coverage is guaranteed until age 100 once the premium for the life protection is fully paid up in 10 years, giving you a total peace of mind. Supplementary Protection – You can combine Smart Jumbo Saver 10 II with a wide range of insurance products we offer to tailor for your personal needs. Protection against major illness, accidents, disability and the financial burden caused by medical expenses, are all available for you to choose.

Summary of Product Features Premium Payment Term 10 years Life Protection Coverage Period Up to age 100 Guaranteed Cash Endowments Each of which equals to 8% of basic sum insured Guaranteed by our Company to be payable every 3 years up to 15th policy anniversary Guaranteed Cash Value Guaranteed by our Company to be payable upon surrender Annual Dividends Declared annually. Client can choose to withdraw them or leave them with us to earn interest. Special Investment Bonus A one-off bonus payable upon death or surrender after the policy has been in force for 5 years Annual dividends are not guaranteed and may be changed, from time to time, by the Company. Special investment bonus is not guaranteed and may be changed, from time to time, by the Company. Make Your Smart Choice Now! Click here to download Smart Jumbo Saver 10 II Savings Plan Product Leaflet in Acrobat (PDF) format (2,164 KB)

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