PLAN DESCRIPTION

Prosperity Tree is a 3-pay variable life insurance plan.

This product is a variable life contract. The account value, actual death benefit, and actual withdrawal values depend on the investment experience of the
separate account(s) linked to the policy. If the account value becomes insufficient to pay for applicable charges, the policy automatically terminates, and all
benefits end.

The investment risks associated with this product are borne solely by the policyowner.

If after buying the policy, you decide it is not suitable for your needs, then you may return the policy alongside a written request for cancellation
within 15 days from the date you receive the policy. We will refund the account value of the units allocated to your policy inclusive of the initial
charges.

PROPOSED INSURED/PLAN DETAILS

Proposed Insured Quebral Conrad Racho Sum Assured Php 3,750,000

Age Last Birthday 58 Annual Premium Php 750,000
Sex Male Currency Philippine Peso

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FUND ALLOCATION
ETIQA PH Peso Asia Equity Dividend Paying Fund 100%

Life Rating: Standard Medical, Standard Occupation, Standard Territorial

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This proposal shall form part of the insurance contract once the policy is issued.

I hereby signify that I have read and understood the disclosures in this proposal. My agent has explained to my satisfaction the principal features and
charges of the policy, the manner in which the variable benefits will reflect the investment experience of the separate account(s), and the guaranteed death
benefit. I fully understand that when buying this policy, I am assuming all investment risks associated with it.
C
Quebral Conrad Racho Mar 17 2023
Proposed Owner's Name Proposed Owner's Signature Date

THIS IS NOT A DEPOSIT PRODUCT. EARNINGS ARE NOT ASSURED AND PRINCIPAL AMOUNT INVESTED IS EXPOSED TO RISK OF LOSS. THIS
PRODUCT CANNOT BE SOLD TO YOU UNLESS ITS BENEFITS AND RISKS HAVE BEEN THOROUGHLY EXPLAINED. IF YOU DO NOT FULLY
UNDERSTAND THIS PRODUCT, DO NOT PURCHASE OR INVEST IN IT.
e-

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 1 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
BENEFIT ILLUSTRATION
The Account Values illustrated below are not guaranteed. The investment returns used are for illustrative purposes only and do not represent the actual
investment return that may occur. The returns are likely to change during the investment period. Values are illustrated assuming the fund is earning at 4%,
8%, & 10%, net of fund management charge and administrative charge. The assumed returns do not represent the upper and lower limits of the actual
return that may be realized. The low & high investment returns of 4% & 10% return are prescribed by the Insurance Commission.

End Partial PROJECTED BENEFITS

of Attained Annual Top- Insurance Fund Account Value Death Benefits
Year Age Premium ups Charge W/drawn Low Medium High Low Medium High
1 59 750,000 0 53,523 0 488,720 506,453 515,280 3,750,000 3,750,000 3,750,000
2 60 750,000 0 44,685 0 1,239,251 1,302,466 1,334,448 3,750,000 3,750,000 3,750,000
3 61 750,000 0 33,986 0 2,029,424 2,168,183 2,239,640 3,750,000 3,750,000 3,750,000
4 62 0 0 36,321 0 2,067,267 2,285,380 2,400,551 3,750,000 3,750,000 3,750,000
5 63 0 0 38,880 0 2,117,290 2,419,276 2,583,168 3,750,000 3,750,000 3,750,000
6 64 0 0 41,352 0 2,150,398 2,540,782 2,758,530 3,750,000 3,750,000 3,750,000
7 65 0 0 44,441 0 2,180,110 2,663,645 2,940,999 3,750,000 3,750,000 3,750,000

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8 66 0 0 47,883 0 2,205,933 2,787,763 3,131,123 3,750,000 3,750,000 3,750,000
9 67 0 0 51,729 0 2,227,303 2,913,026 3,329,542 3,750,000 3,750,000 3,750,000
10 68 0 0 56,038 0 2,262,636 3,060,964 3,560,794 3,750,000 3,750,000 3,750,000
11
12
69
70
0
0
0
0
60,252
65,669
op 0
0
2,274,474
2,279,710
3,190,590
3,321,189
3,781,358
4,013,268
3,750,000
3,750,000
3,750,000
3,750,000
3,750,000
3,750,000
13 71 0 0 71,813 0 2,277,352 3,452,637 4,257,850 3,750,000 3,750,000 3,750,000
14 72 0 0 78,825 0 2,266,230 3,584,788 4,516,685 3,750,000 3,750,000 3,750,000
15 73 0 0 86,895 0 2,262,873 3,741,266 4,820,732 3,750,000 3,750,000 3,750,000
16 74 0 0 95,372 0 2,231,325 3,877,330 5,118,489 3,750,000 3,750,000 3,750,000
17 75 0 0 106,077 0 2,186,141 4,013,889 5,438,104 3,750,000 3,750,000 3,750,000
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18 76 0 0 118,613 0 2,124,940 4,150,753 5,783,138 3,750,000 3,750,000 3,857,798
19 77 0 0 133,370 0 2,044,854 4,287,714 6,150,991 3,750,000 3,750,000 4,059,577
20 78 0 0 150,863 0 1,957,160 4,450,407 6,574,938 3,750,000 3,750,000 4,308,761

60 44,685 1,239,251 1,302,466 1,334,448 3,750,000 3,750,000 3,750,000

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65 44,441 2,180,110 2,663,645 2,940,999 3,750,000 3,750,000 3,750,000

70 65,669 2,279,710 3,321,189 4,013,268 3,750,000 3,750,000 3,750,000
75 106,077 2,186,141 4,013,889 5,438,104 3,750,000 3,750,000 3,750,000
80 195,672 1,670,300 4,730,915 7,418,532 3,750,000 3,750,000 4,771,658
85 417,750 0 5,457,532 10,004,309 0 3,750,000 6,212,659
90 623,100 0 6,167,229 13,373,342 0 3,750,000 8,090,952

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 2 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
Notes:

i. Projected account values are net of the following charges: 1) Premium
Charge equal to 30% of the basic premium for the first year only; 2)
Insurance Charge which varies by age and risk class; 3) Fund
Management Charge of 0.5% per annum; 4) Administrative Charge of
PHP1200 per year plus 1.5% per year on the Account Value.
ii. Death Benefit is equal to the 1) Face Amount plus 125% of each top-up
premium less 125% of each withdrawal, 2) 500% of Annual Basic
Premium plus 125% of each top-up premium less 125% of each
withdrawal or 3) Account Value whichever is higher.
iii. Surrender value is equal to the account value less surrender charge and
is payable in case of policy surrender. The applicable Surrender Charges
for year 1, year 2, year 3, year 4 & year 5 are 100%, 50%, 25%, 10%, and
5% respectively.
\HDU \HDUUHVSHFWLYHO\DQG3IHHSHUZLWKGUDZDODIWHU
the one free withdrawal per year) from year 6 thereafter.
vi. Loyalty Bonus will be given at the end of every 5th policy year,
provided that past Basic Premiums are continuously paid on
schedule and no withdrawals are taken. Loyalty Bonus is
equivalent to 1% of the average of the account values for past 5
years starting at the end of the 5th year.
vii. The Account Value with Cumulative Sum of Payouts is the total of
the Account Value and Cumulative Sum of Payouts. The
Cumulative Sum of Payouts is the total payouts received by the
Policy as of and including the current policy year. Please refer to
Page 3 for the illustration of Fund Payout, Cumulative Sum of
Payouts and Account Value.

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iv. When the account value is insufficient to pay the policy fee, insurance vii. Insurance Charge refers to the cost of providing life insurance
charge, & other charges the policy automatically terminates and all coverage and the attached unit-deducting riders, if any. Insurance
benefits end. Charge varies by age, gender, risk class, and the chosen riders, if
any. Insurance Charge for the unit-deducting riders are not
guaranteed. Insurance Charge illustrated above are based on the
v.
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Partial Withdrawals are subject to the following charges: 100%, 50%,
25%, 10%, & 5% of the amount withdrawn for year 1, year 2, year 3,
Low return rate scenario.
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Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 3 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
ETIQA PH Peso Asia Equity Dividend Paying Fund - 100%
This fund will be invested primarily in the existing ATRAM Asia Equity Opportunity Feeder Fund.

Investment Objective: The Fund seeks to achieve long-term capital appreciation by investing all or substantially all of its assets in a collective investment
scheme that invests principally in equity securities of companies in the Asia Pacific region (excluding Japan) that the Investment Manager expects to pay
dividends.

Investment Policy: The Fund is structured as a Feeder Fund which invests at least 90% of its assets in the Target Equity Fund, which is currently the
JPMorgan Asia Equity Dividend Fund.

As of April 2018, the ATRAM Asia Equity Opportunity Feeder Fund has been converted to a unit-paying fund aiming to distribute monthly, in mirror of the
underlying Target Equity Fund.

THE VALUE OF THE POLICY MAY INCREASE OR DECREASE IN ACCORDANCE WITH THE EXPERIENCE OF THE FUND. THE RESULTS SHOWN
ARE FOR ILLUSTRATIONS ONLY AND ARE NOT GUARANTEED. THE ACCOUNT VALUE MAY BE LESS THAN THE CAPITAL INVESTED.

ETIQA PH Peso Asia Equity Dividend Paying Fund

End Attained Annual Target Payout (Total per Year) Cumulative Sum of Payouts Account Value
of Age Premium Low (at Medium (at High (at Low (at Medium (at High (at Low Medium High

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Year + Top Up 2% p.a) 4% p.a) 4.5% p.a) 2% p.a) 4% p.a) 4.5% p.a)
1 59 750,000 9,221 18,088 20,251 9,221 18,088 20,251 479,498 488,365 495,029
2 60 750,000 23,208 45,871 51,650 32,429 63,958 71,901 1,206,822 1,238,508 1,262,547
3
4
61
62
750,000
0
37,679
37,682
75,151
76,653
op 85,195
88,171
70,108
107,791
139,109
215,762
157,096
245,267
1,959,316
1,959,476
2,029,074
2,069,619
2,082,544
2,155,284
5 63 0 37,635 78,151 91,268 145,426 293,913 336,535 1,971,865 2,125,363 2,246,633
6 64 0 37,830 80,245 95,188 183,256 374,158 431,722 1,967,143 2,166,624 2,326,808
7 65 0 37,677 81,767 98,618 220,932 455,925 530,340 1,959,178 2,207,719 2,410,659
8 66 0 37,453 83,280 102,214 258,385 539,205 632,554 1,947,548 2,248,558 2,498,568
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9 67 0 37,149 84,779 105,995 295,534 623,985 738,550 1,931,769 2,289,041 2,590,992
10 68 0 36,755 86,262 109,983 332,290 710,246 848,533 1,930,346 2,350,718 2,712,261
11 69 0 36,645 88,584 115,264 368,935 798,830 963,797 1,905,539 2,391,759 2,817,561
12 70 0 36,052 90,084 119,848 404,987 888,914 1,083,645 1,874,723 2,432,275 2,929,623
e-

13 71 0 35,328 91,562 124,750 440,315 980,476 1,208,395 1,837,038 2,472,161 3,049,454

14 72 0 34,451 93,011 130,020 474,766 1,073,487 1,338,416 1,791,464 2,511,301 3,178,270
15 73 0 33,399 94,428 135,718 508,165 1,167,915 1,474,133 1,754,708 2,573,351 3,346,599
16 74 0 32,512 96,765 143,228 540,678 1,264,680 1,617,361 1,690,648 2,612,650 3,501,128
17 75 0 31,046 98,186 150,160 571,724 1,362,866 1,767,521 1,614,417 2,651,023 3,670,583
18 76 0 29,306 99,567 157,819 601,030 1,462,433 1,925,340 1,523,910 2,688,320 3,857,798
19 77 0 27,242 100,903 166,074 628,272 1,563,336 2,091,414 1,416,582 2,724,377 4,059,577
20 78 0 24,794 102,186 174,763 653,067 1,665,522 2,266,177 1,304,093 2,784,885 4,308,761

9DOXHVDUHLOOXVWUDWHGDVVXPLQJWKHIXQGLVHDUQLQJDW WRWDOUHWXUQVLQFOXVLYHRIUHVSHFWLYH)XQG3D\RXWUDWHOHYHOVQHWRIIXQGPDQDJHPHQW
charge and administrative charge. The assumed returns do not represent the upper and lower limits of the actual return that may be realized. The low &
high investment returns of 4% & 10% return are prescribed by the Insurance Commission.

3URMHFWHGDFFRXQWYDOXHVDUHQHWRIWKHIROORZLQJFKDUJHV3UHPLXP&KDUJHHTXDOWRRIWKHEDVLFSUHPLXPIRUWKHILUVW\HDURQO\,QVXUDQFH

Charge which varies by age and risk class; 3) Fund Management Charge of 0.5% per annum; 4) Administrative Charge of PHP1200 per year plus 1.5% per
year on the Account Value.

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 4 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
 DIVIDEND PAYOUT FEATURE of the ETIQA PH Peso Asia Equity Dividend Paying Fund

You have chosen to allocate a portion of your premiums into the ETIQA PH Peso Asia Equity Dividend Paying Fund, hereby referred to as the ETIQA PH
Fund. This Fund will be invested primarily in the existing ATRAM Asia Equity Opportunity Feeder Fund. The Fund is structured as a Feeder Fund which
invests at least 90% of its assets in the Target Fund, which is currently the JPMorgan Asia Equity Dividend Fund.

As of April 2018, the ATRAM Asia Equity Opportunity Feeder Fund has been converted to a unit-paying fund aiming to distribute dividends as often as
monthly, in mirror of the underlying Target Fund.

Definitions: Fund Dividend & Fund Payout

Any periodic unit income received by the ETIQA PH Fund from the Target Fund is called a Fund Dividend.

The Fund Dividend will be distributed to all eligible policyholders proportionate to the number of units held in the ETIQA PH Fund. The proportionate share
of dividend allocated to an eligible policyholder shall be credited to his account and termed a Fund Payout. Each and every time a Fund Dividend is
declared and a policyholder is eligible, a Fund Payout will be allocated and credited.

The Eligibility Date, Fund Payout Date, Fund Dividend and Fund Payout amounts may vary from month to month without prior notice.

The periodic Fund Payouts are a feature of this ETIQA PH Fund and are not considered partial withdrawals from your Fund Value. As such, the Fund

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Payouts are not subject to any withdrawal charges.

Please note that the periodic Fund Payouts are not guaranteed as these are directly derived from any Fund Dividends received from the Target Fund, which
are not guaranteed.

Mode of Distribution of Fund Payout

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Cash deposit: The policyholder will have any periodic Fund Payouts deposited automatically into his/her designated account at a partner bank, subject to
Company approval.

I understand that any periodic Fund Payouts, resulting from the units held in the ETIQA PH Peso Asia Equity Dividend Paying Fund, are not
guaranteed. I further understand that the distribution of these Fund Payouts may be made out of the principal investment allocated to this
fund.

I understand that I am providing details of my bank account to enable ETIQA Philippines to deposit my Fund Payouts. I further understand
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that any delay in providing a complete and correct account information may result in a delay in receiving the Fund Payouts.

Proposed Owner Bank Details

Account Name: Account Number:
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Bank Name: Email Address:

Bank Branch/Address:

For ETIQA Philippines use only

SWIFT Code: Approved by:

Date approved:

Quebral Conrad Racho Mar 17 2023

Proposed Owner's Signature over Printed Name Date

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 5 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
 VARIABLE LIFE INSURANCE PLAN
ACKNOWLEDGEMENT OF VARIABILITY
Proposed Owner : Quebral Conrad Racho Application No. :
Agent's Name : NELSON SESE PINEDA Agent's Code : 60100068

I acknowledge that:

I have applied with ETIQA Philippines (formerly AsianLife & General Assurance Corporation) for a Variable Life Insurance Policy, and have reviewed the
illustration(s) that shows how a variable life insurance policy performs using company''s assumptions and based on the Insurance Commission''s guidelines
on interest rates.

I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the actual performance of that given
period and that the value of my policy could be less than the premium paid. The unit values of my Variable Life Insurance are periodically published.

I understand that the investment risks under the policy are to be borne solely by me, as the policyholder.

I understand that the initial Net Asset Value per Unit (NAVPU) to be applied upon effectivity of my policy shall be based on the NAVPU of the next
available valuation date.

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Quebral Conrad Racho
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Proposed Owner's Signature over Printed Name
Mar 17 2023
Date
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Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 6 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
 PRODUCT HIGHLIGHTS

1. NAME OF PRODUCT and the INSURANCE COMPANY PROVIDER

Prosperity Tree is a Variable Life or Variable Unit-Linked (VUL) Insurance product which provides the policyholder insurance
SURWHFWLRQDQGFRYHUDJHRYHUKLVOLIHDQGDWWKHVDPHWLPHDOORZVKLPWRLQYHVWLQ

‡ ETIQA PH Peso Asia Equity Dividend Paying Fund

This product is being offered by ETIQA PHILIPPINESIRUPHUO\$VLDQ/LIH *HQHUDO$VVXUDQFH&RUSRUDWLRQ

You may refer to the Sales Illustration for details on the product features and benefits, as well as information on your chosen
investment Fund/s.

Notwithstanding the investment aspect forming an integral part thereof, this VUL policy remains essentially to be an insurance
product.

Pursuant to the provisions of the R.A. No. 10607 (the Insurance Code, as amended), ETIQA PHILIPPINES IRUPHUO\$VLDQ/LIH 
General Assurance Corporation) is under the supervision and regulation of the Insurance Commission (IC). All insurance policies,

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including any rider, clause, warranty or endorsement, shall be approved by the IC before being offered to the public.

2. KEY RISKS OF THE VUL PRODUCT

This VUL product is an insurance policy with an inseparable investment component which allows the policyholder to invest in certain
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Fund/s of his choice. Like all other financial products, VULs have their advantages and trade-offs.

As an investment-linked insurance product, the policyholder must understand and realize that the product is subject to certain risks,
such as, but not limited to investment, credit, currency, interest rate, liquidity, mark-to-market, regulatory, and taxation risks which
could affect the account or fund value of the whole VUL policy.

The insurance company is guided by the investment policies approved by the IC, including the IC-issued "Guidelines on Variable
Life Insurance Contracts". The supervision and regulation by the IC, however, does not guarantee the investment returns nor
protection of the VUL policy against capital loss.
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For a better understanding of the nature of these aforementioned risks, a table of Definition of Risks is provided in the succeeding
Annex A.

THIS IS NOT A DEPOSIT PRODUCT. EARNINGS ARE NOT ASSURED AND PRINCIPAL AMOUNT INVESTED IS EXPOSED TO
RISK OF LOSS. THIS PRODUCT CANNOT BE SOLD TO YOU UNLESS ITS BENEFITS AND RISKS HAVE BEEN
THOROUGHLY EXPLAINED. IF YOU DO NOT FULLY UNDERSTAND THIS PRODUCT, DO NOT PURCHASE OR INVEST IN IT.
e-

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 7 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
3. FEES AND CHARGES INVOLVED IN THE PRODUCT

This VUL product is subject to the following fees & charges:

a. Premium Charge Policy year 3-pay Top-up

1 30% 3%
2 0% 3%
3 0% 3%
4 and up 0% 3%
Discounted charges: 0% Premium Charge and 0% Top-up Charge on the First Year

b. Insurance Charge A monthly insurance charge will be deducted form your account value. The charge
will vary depending on your age and risk class

c. Fund Management Charge Fund Management Fee of 0.5% per year

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d. Administrative Charge PHP1200 per year plus 1.5% per year on the Account Value

e. Partial Withdrawal Fee Policy year Withdrawal Charge

1 100%
op 2
3
50%
25%
4 10%
5 5%
6 & up One (1) free withdrawal per policy year thereafter PHP200 per
withdrawal.
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f. Fund Switching Fee PHP200 for every fund switch made in excess of two (2) free fund switches per policy
year

g. Change In Fund Allocation Fee PHP200 for every change in fund allocation made in excess of two (2) free changes
in fund allocation per policy year
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4. VALUATION AND ASSESSMENT OF THE INVESTMENT PORTION

The performance of the investment funds associated with this insurance product is valued everyday.

1HW$VVHW9DOXHVSHU8QLW1$938VDUHSXEOLVKHGLQWKH3KLOLSSLQH6WDUHYHU\ILUVW0RQGD\RIWKHPRQWKDQGLQRXUZHEVLWH

www.etiqa.com.ph.

5. PRE-TERMINATION or SURRENDER OF THE VUL POLICY AND THE CHARGES THEREOF

The VUL policy can be surrendered at the discretion of the policyholder which will result to the termination of the said VUL policy.

Please be notified, however, that corresponding surrender charges may be applied, depending on the policy year when the
surrender transaction occurs.

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 8 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
 Policy year 3-pay
1 100%
2 50%
3 25%
4 10%
5 5%
6 and up 0%

The VUL policy may also terminate in the event that the available Fund values are no longer sufficient to cover for the applicable
policy charges

6. OTHER IMPORTANT INFORMATION AND CONTACT DETAILS

Prosperity Tree is a life insurance product and not a deposit product. Earnings are not assured and the principal amount of
investment may be exposed to risk of loss.

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For an informed and conscientious purchase decision, it is important that you fully understand the features, benefits and
accompanying risks of this product.

Should you need further information, you may visit our Head Office contact at the 3/F Morning Star Center, 347 Sen. Gil J. Puyat
Avenue, 1200 Makati City. You may also call us at (632) 8890-1758 local 381.
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Quebral Conrad Racho NELSON SESE PINEDA
Proposed Owner Financial Adviser
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Signature over Printed Name Signature over Printed Name
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Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 9 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph
 ANNEX A

DEFINITION OF RISKS

Investment Risk
This risk refers to the probability or likelihood of occurrence of losses relative to the expected return on any particular investment.

Credit Risk
This risk refers to the probability that a counterparty to an investment may not be able to fulfill its obligations accordingly, resulting to an
adverse effect on the value of a money market or debt security such as a bond.

Currency Risk (or Foreign Exchange Risk)

This risk refers to the probability that the value of investments held in foreign currencies, such as the US Dollar, may fluctuate against the
local currency or Philippine Peso due to changing interest rates and inflation rates. This risk may also occur when foreign governments
restrict currency exchange, impeding cash distributions or processing of fund redemptions.

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Interest Rate Risk
This risk refers to the possibility that the value of an investments with holding in fixed-income securities such as bonds may rise and fall
rates contrary, when interest rate rise, the value of an existing bond generally falls.

Liquidity Risk
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This risk refers to the possibility that assets or securities may not be bought or sold within a desired time and at fair value, which in turn
may affect the value of an investment or satisfy investment purchase and redemption services of the company to its policy holders

Mark to Market Risk

This risk refers to the probability that the market value of an investment will rise or fall based on overall market conditions. The value of the
market can vary with changes in the general economic and financial conditions as well as political, social and environmental factors.
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Regulatory Risk
This risk refers to the probability that certain laws and regulations applicable to investments, including income tax and securities law, and
the administrative policies and practices of regulatory authorities may change in a manner that adversely affects the value of an
investment.

Taxation Risk
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This risk refers to the probability that the application of tax on investment may differ from jurisdiction to jurisdiction and tax treatment may
change before the maturity or redemption date of an investment. For more information on the effects of tax on the acquisition, ownership
or liquidation of investment funds, it is best for the customer to consult a personal, independent tax adviser.

Presented by : NELSON SESE PINEDA Agent's Code : 60100068 Page 10 of 10

Date : Mar 17 2023 Agent's Signature :
Proposal Exp. Date : Jun 17 2023 Date of Next Ins Age : Feb 10 2023 82362d1PS3

Etiqa Life and General Assurance Philippines, Inc.

(Fomerly: AsianLife and General Assurance Corporation)
2nd and 3rd Floor Morning Star Center
347 Sen. Gil Puyat Avenue, Makati City 1209
Tel. No: (632) 8890-1758
www.etiqa.com.ph