/

$
5
$5,000.00

4.80%

5,000

4,742

5,240

5,292

2
3
4

5,000
5,000
5,000
5,000

5,074
5,427
5,802
6,321

5,492
5,755
6,031
6,321

5,546
5,813
6,092
6,384

a
b

3,0009,999

101%10,000

20095302009615

:
SPY5A1S5

Proposed Insured's Name :

Proposed Insured's Age and Sex :
Currency :
Coverage:

US$
5 Years

Single Premium:

$5,000.00

Guaranteed Interest Rate:

4.80% p.a. a

The following table illustrates the amount you would receive, after deduction of fees and charges, based on the above assumptions:

End of
PolicyYear

Total Premium
Paid

Surrender
b
Value

Account
Value

Total Death
c
Benefit

1
2

5,000
5,000

4,742
5,074

5,240
5,492

5,292
5,546

3
4
At Maturity

5,000
5,000
5,000

5,427
5,802
6,321

5,755
6,031
6,321

5,813
6,092
6,384

The Guaranteed Interest Rate shown on this illustration page is applicable only for Single Premium between US$3,000 to US$9,999.

The values shown herein reflect the Surrender Charge. Please refer to the product brochure for details about charges.

Death Benefit equals 101% of Account Value or Account Value plus US$10,000, whichever is lower.

Please sign and submit all relevant application documents to the Company. Application must be approved by the
Company within the period of May 30, 2009 to June 15, 2009 for the entitlement to the above interest rate. Pending
approval of the application, the Company reserves the right to amend the interest rate or withdraw the product
offer. If you do not agree to the amended terms or if we withdraw the product offer, we will refund any premium
paid without any interest.
If withdrawal occurs before policy maturity, Surrender Charge may be applied.

Declaration
I confirm having read and understood the information provided in this illustration.

Signature:

(Date:

Applicant
Applicant's Name:

Policy Number :

This is an illustrative document and not a contract. Your policy will contain the exact terms of coverage.

SPY5A1S5