WELCOME

AmBank Group is the Top 5 financial services providers in Malaysia The total assets of the Group stood at RM 86.5 billion (as at 31st Dec 2008) Ranked No. 21 with market capitalization of RM8.06 billion on Bursa Malaysia (as at September 2008) 186 branches nationwide, 556 ATM networks Close to 10,000 employees AmBank Group comprises of AmBank, AmInvestment Bank, AmIslamic Bank and AmAssurance

AmBank Group Profile

AmBank Group Credentials

No. 1 Automobile Lender in Asia Pacific, Gulf States and Central Asia (The Asian Banker) No. 2 in Unit Trusts AUM
Asset Under Management = 9.3 billion as at Feb 2008 (Lipper Hindsight)

2nd largest Motor Insurer and 5th largest General Insurer with RM 345.8 million premium (PIAM) No. 7 in Life Insurance, based on new business in 2008 with RM 75 million FYPC and one of the fastest growing life insurance companies (LIAM)

Malaysias Most Valuable Brands

AmBank Group is one of Malaysia's Most Valuable Brands by Association of

Accredited Advertising Agents Malaysia (4As) in collaboration with Interbrand

AMMB HOLDINGS CORPORATE STRUCTURE

17.63% 11.76% 19.17% 51.44% as at 30 September 2008

AmCorp Group Bhd

Employees Provident Fund

ANZ Funds Pty Ltd

Others and Public

AMMB Holdings Bhd

100% 51% 70%*

AmBank (M) Berhad

100%

AmInvestment Group Berhad

AmAssurance Berhad

AmIslamic Bank Bhd

* Insurance Australia
Group Ltd 30%

AMBANK GROUP

Menara

AmBank

Jalan Yap Kwan Seng

Bangunan AmBank Jalan Raja Chulan

Bangunan AmAssurance Jalan Lumut

Service Network

Why AmAssurance
RM/Millions 100.00 90.00 80.00 70.00 60.00 50.00 42 40.00 30.00 20.00 10.00 0.00 '97/'98 '98/'99 '99/'00 '00/'01 '01/'02 '02/'03 '03/'04 YEAR '04/'05 '05/'06 '06/'07 '07/'08 '08 / 09 '09 / 10 16 17 18 22 26 34 46 75 64 54 90

14

FYPC

Budget 09/10

Our Recent Awards

Asia Pacific Entrepreneurship Awards 2008 (APEA)
(Outstanding Entrepreneurship Award)

Our Recent Awards

Business of the Year 2007 Award
(Superior Company Category)

EPF Contributors Analysis

EPF SAVINGS Less than 1,000 1,001 to 10,000 10,001 to 100,000 100,001 to 500,000 500,001 to 1,000,000 more than 1,000,000 Total Total Contributors 435,376 1,464,420 2,764,629 393,135 11,877 2,661 5,072,098 Percentage 8.58% 28.87% 54.51% 7.75% 0.23% 0.05% 100.00%

A Disturbing Fact.

Your Solution
AmCash Guarantee 21

(CG21)
A Participating Endowment Plan with cash dividends based on the sum assured payable from the end of the 3rd policy year.

Advantages
3 in 1 coverage Extra protection

AmCash Guarantee 21

Comprehensive Protection Benefits

Survival benefit Cash dividend Maturity value

Tax Relief Tax Free Income Flexibility to Withdraw / Accumulate

Survival Benefit

Benefits
% of SA
8% 10% 10% 10% 10% 10% 58%

AmCash Guarantee 21

The survival benefit structure as per table below:

Example: Age 30, SA = 30K, RM2400

End of policy year

3 6 9 12 15 18 TOTAL

Survival benefit received RM2,400 RM3,000 RM3,000 RM3,000 RM3,000 RM3,000

RM17,400

AmCash Guarantee 21

Tax Free Income

All of the cash benefits that you will received through this policy are totally TAX FREE.

You may choose to withdraw the cash benefits or To Withdraw / company to leave it to the Accumulate Flexibility accumulate with dividend. Projected dividend rate is 6.5% - 4% (for high and low illustration)

Outstanding Performance
Financial Year Actual Dividend Returns 6.5% 5.6% 10.3% 7.8%

2004/05 2005/06 2006/07 2007/08

AmCash Guarantee 21

Underwriting Guidelines
Minimum entry age

30 days Maximum entry age 50 years old Contract/Premium term 21 years

Minimum SA Maximum SA

RM10 000 No limit

AmCash Guarantee 21

Child Lien
Age Next Birthday 1 2 3 4
Death, TPD, 36CI Benefits payable as a percentage of Sum Assured

*Same premium rates will be applied for male and female lives. *Policy will be underwritten as per Ordinary Life Business, plus any attachable riders.

25 50 75 100

AmCash Guarantee 21

To

Enjoy Life ..

This is an excellent plan that helps you to save with comprehensive protection and at the same time solve your financial needs from time to time.

Agent Testimony

Agent 1 : Hamzaki Hamzah Office: Klang, Selangor Education Level : Degree in Accountancy Previous Job : MAS Air Steward Previous income : RM 3000 Current income : above RM 2 Million a year

Agent 2 : Nuzihan Zakaria Office: Kota Bahru, Kelantan Education Level : Degree in Economic Previous Job : Pegawai Tadbir Pelaburan Majlis Agama Islam Kelantan Previous income : RM 3000 Current income : above RM 1 Million (a year) Agent 3 : Wan Zaini Wan Hassan Office: KL Education Level :SPM Previous Job : Banker Previous income : RM2000 Current income : Above RM 1 Million (a year)

Agent 4 : Leong Wai Keong Office: Cheras, KL Education Level : Form 3 Previous Job : Plumber & Newspaper Boy Previous income : RM1300 Current income : RM 1 Million (a year)

Agent 5 : Mohamad Adnan Mohd (Ustaz Adnan) Office: KL

Agent 6 : Victor, Mow Kwang Ming Office: Klang, Selangor

Education Level : Master in Usulludin, Universiti Malaya Previous Job : Pensyarah, Jabatan Aqidah & Pemikiran Islam, Universiti Malaya Previous income : RM2400 Current income : Above

Education Level :SPM Previous Job : Salesman Previous income : RM3000 Current income : 1 Million (a year)

Agent 7 : Norihan Talib Office: Kuala Terengganu Education Level : Diploma in Accountancy Previous Job : Maybank Staff Previous income : RM2,230 a month Current income : RM700,000 annual

Agent 8 : Suthida Sae Liew Office: Cheras, KL Education Level : Standard 6 Previous Job : Hawker Stall Business Previous income : RM3,000.00 Current income : RM700,000 annual

Agent 9 : AmMansion Sdn. Bhd. Office: Puchong, Selangor Education Level : Degree in Economics Previous Job : Ex-Agent of Great Eastern Previous income : RM200K annual Current income : RM500,000 annual

Agent 10 : Visvanathan Office: Kuantan, Pahang Education Level : Form 3 Previous Job : Supervisor Audit Firm Previous income : RM2000 Current income : RM350,000 (a year)

Are you the next star?