AIA Bhd.

200701032867 (790895-D)

Menara AIA, 99 Jalan Ampang

50450 Kuala Lumpur
P.O. Box 10140
50704 Kuala Lumpur
Care Line: 1300 88 1899
T: 03-2056 1111

AIA.COM.MY
December 31, 2022

1-6
MATHANA SOORIA ADEYAH Policy No : 4404270A06
8-3-2 JLN BP 7/14 Policy Date : October 4, 2022
BDR BUKIT PUCHONG Premium : RM 211.00
Mode : MONTHLY
47120 PUCHONG

Insured: KRISHVAA AL JEYASEELAN

Transaction Type: Financial Statement

Dear MATHANA SOORIA ADEYAH,

Your investment-linked financial statement for 2022.

PREMIUM INFORMATION SINCE INCEPTION AMOUNT(RM)

Transactions Protection Account Savings Account

Total Premium 750.00 305.00
Total Premium Charge 300.00 15.25
Total Top Up 0.00 0.00
Total Top Up Charge 0.00 0.00
Total Premium Invested 450.00 289.75
Total Monthly Policy Charge 442.77 0.00
Total Fund Switch Fee 0.00 0.00
Total Auto Re-balancing 0.00 0.00
Total Premium Holiday Charge 0.00 0.00
Total Withdrawal to-date 0.00 0.00
Total Withdrawal Charge 0.00 0.00

Regular premium allocation :

AIA BALANCED FUND : 50.00%
AIA FIXED INCOME FUND : 50.00%

A-Plus ScholarSaver premium allocation :

AIA BALANCED FUND : 50.00%
AIA FIXED INCOME FUND : 50.00%

COVERAGE INFORMATION
Benefit Type Amount of Benefit (RM) Effective Date Expiry Date
A-Life Joy Xtra 30,000.00 Oct 4, 2022 Oct 4, 2091
A-Plus DisabilityCare 30,000.00 Oct 4, 2022 Oct 4, 2091
A-Plus HospitalIncome Extra 50.00 Oct 4, 2022 Oct 4, 2091
A-Plus Health P150 (0D) Oct 4, 2022 Oct 4, 2091
A-Plus WaiverExtra 2,532.00 Oct 4, 2022 Oct 4, 2091
A-Plus PayorExtra 2,532.00 Oct 4, 2022 Oct 4, 2046

Death Benefit at beginning of January 1, 2022* RM 0.00

Death Benefit at ending of December 31, 2022* RM 12,301.29

* Please refer to the Policy Contract on Death Benefit. Death Benefit amount inclusive of supplementary rider(s) with Death Coverage (if
applicable).
 AIA Bhd.
200701032867 (790895-D)

Menara AIA, 99 Jalan Ampang

50450 Kuala Lumpur
P.O. Box 10140
50704 Kuala Lumpur
Care Line: 1300 88 1899
T: 03-2056 1111
2-6
AIA.COM.MY

POLICY VALUE AS AT DECEMBER 31, 2022

Unit Price Units Total Value

Fund Portfolio
(RM) Protection Account Savings Account (RM)

AIA BALANCED FUND 4.06392 11.13687 26.09383 151.30

AIA FIXED INCOME FUND 3.04928 14.76931 34.41946 149.99
Total Account Value (RM) 90.30 210.99 301.29

Note: You can refer to your fund’s prices published daily in our Company's website at www.aia.com.my or Berita Harian and New Straits
Times on the last working day of the month.

AIA Investment-linked Funds Performance Report will be available annually on the AIA website by 30th April.
Kindly visit https://www.aia.com.my/en/about-aia/media-centre.html to view and download the Fund Performance Report.

\
DETAILS OF ASSIGNEE OR NOMINEE
Name Relationship Address
N/A
 3-6

Statement of Account for A-Life Joy Xtra

Statement Period: January 1, 2022 to December 31, 2022

Action Transaction Price Value Current Value of Balance Balance

Date (RM) Date Units Units(RM) Units Value (RM)

Protection Account
AIA BALANCED FUND

Jan-01-22 Fund Balance Brought Forward 4.11454 Jan-01-22 0.00000 0.00 0.00000 0.00
Oct-05-22 Policy Set Inforce 3.90209 Oct-04-22 23.06456 90.00 23.06456 90.00
Oct-05-22 Cost of Insurance 3.90209 Oct-05-22 0.43053- 1.68- 22.63403 88.32
Oct-05-22 Monthly Service Charge 3.90209 Oct-05-22 1.02509- 4.00- 21.60894 84.32
Oct-05-22 Cost of Insurance 3.90209 Oct-05-22 0.79957- 3.12- 20.80937 81.20
Oct-05-22 Cost of Insurance 3.90209 Oct-05-22 13.44151- 52.45- 7.36786 28.75
Oct-05-22 Medical Service Charge 3.90209 Oct-05-22 0.38440- 1.50- 6.98346 27.25
Oct-05-22 Cost of Insurance 3.90209 Oct-05-22 0.40491- 1.58- 6.57855 25.67
Oct-05-22 Cost of Insurance 3.90209 Oct-05-22 2.42690- 9.47- 4.15165 16.20
Nov-01-22 Paid-to Date Advance 3.95585 Oct-31-22 11.37556 45.00 15.52721 61.42
Nov-04-22 Fund Subsidy 3.90022 Nov-04-22 3.30238 12.88 18.82959 73.44
Nov-07-22 Cost of Insurance 3.92007 Nov-07-22 0.42601- 1.67- 18.40358 72.14
Nov-07-22 Monthly Service Charge 3.92007 Nov-07-22 1.01783- 3.99- 17.38575 68.15
Nov-07-22 Cost of Insurance 3.92007 Nov-07-22 0.79590- 3.12- 16.58985 65.03
Nov-07-22 Cost of Insurance 3.92007 Nov-07-22 13.35435- 52.35- 3.23550 12.68
Nov-07-22 Medical Service Charge 3.92007 Nov-07-22 0.38264- 1.50- 2.85286 11.18
Nov-07-22 Cost of Insurance 3.92007 Nov-07-22 0.40305- 1.58- 2.44981 9.60
Nov-07-22 Cost of Insurance 3.92007 Nov-07-22 2.41067- 9.45- 0.03914 0.15
Dec-05-22 Paid-to Date Advance 4.04424 Dec-02-22 11.12694 45.00 11.16608 45.16
Dec-05-22 Fund Subsidy 4.04424 Dec-05-22 7.08168 28.64 18.24776 73.80
Dec-06-22 Fund Subsidy 4.02556 Dec-06-22 0.03726 0.15 18.28502 73.61
Dec-06-22 Cost of Insurance 4.02556 Dec-06-22 0.41484- 1.67- 17.87018 71.94
Dec-06-22 Monthly Service Charge 4.02556 Dec-06-22 0.99116- 3.99- 16.87902 67.95
Dec-06-22 Cost of Insurance 4.02556 Dec-06-22 0.77504- 3.12- 16.10398 64.83
Dec-06-22 Cost of Insurance 4.02556 Dec-06-22 12.99446- 52.31- 3.10952 12.52
Dec-06-22 Medical Service Charge 4.02556 Dec-06-22 0.37261- 1.50- 2.73691 11.02
Dec-06-22 Cost of Insurance 4.02556 Dec-06-22 0.39249- 1.58- 2.34442 9.44
Dec-06-22 Cost of Insurance 4.02556 Dec-06-22 2.34501- 9.44- 0.00059- 0.00
Dec-29-22 Paid-to Date Advance 4.04042 Dec-28-22 11.13746 45.00 11.13687 45.00
Dec-31-22 Fund Balance Carried Forward 4.06392 Dec-31-22 0.00000 0.00 11.13687 45.26
Dec-31-22 Fund Cash Surrender Value 4.06392 Dec-31-22 0.00000 0.00 8.90949 36.20

AIA FIXED INCOME FUND

Jan-01-22 Fund Balance Brought Forward 3.01367 Jan-01-22 0.00000 0.00 0.00000 0.00
Oct-05-22 Policy Set Inforce 2.97981 Oct-04-22 30.20327 90.00 30.20327 90.00
Oct-05-22 Cost of Insurance 2.97981 Oct-05-22 0.56043- 1.67- 29.64284 88.33
Oct-05-22 Monthly Service Charge 2.97981 Oct-05-22 1.34236- 4.00- 28.30048 84.33
Oct-05-22 Cost of Insurance 2.97981 Oct-05-22 1.05040- 3.13- 27.25008 81.20
Oct-05-22 Cost of Insurance 2.97981 Oct-05-22 17.60179- 52.45- 9.64829 28.75
Oct-05-22 Medical Service Charge 2.97981 Oct-05-22 0.50338- 1.50- 9.14491 27.25
Oct-05-22 Cost of Insurance 2.97981 Oct-05-22 0.53023- 1.58- 8.61468 25.67
Oct-05-22 Cost of Insurance 2.97981 Oct-05-22 3.17469- 9.46- 5.43999 16.21
Nov-01-22 Paid-to Date Advance 2.98118 Oct-31-22 15.09469 45.00 20.53468 61.22
Nov-04-22 Fund Subsidy 2.98356 Nov-04-22 4.31699 12.88 24.85167 74.15
Nov-07-22 Cost of Insurance 2.98093 Nov-07-22 0.56358- 1.68- 24.28809 72.40
Nov-07-22 Monthly Service Charge 2.98093 Nov-07-22 1.34521- 4.01- 22.94288 68.39
Nov-07-22 Cost of Insurance 2.98093 Nov-07-22 1.05000- 3.13- 21.89288 65.26
Nov-07-22 Cost of Insurance 2.98093 Nov-07-22 17.62872- 52.55- 4.26416 12.71
Nov-07-22 Medical Service Charge 2.98093 Nov-07-22 0.50319- 1.50- 3.76097 11.21
Nov-07-22 Cost of Insurance 2.98093 Nov-07-22 0.53003- 1.58- 3.23094 9.63
Nov-07-22 Cost of Insurance 2.98093 Nov-07-22 3.18021- 9.48- 0.05073 0.15
Dec-05-22 Paid-to Date Advance 3.03378 Dec-02-22 14.83298 45.00 14.88371 45.15
Dec-05-22 Fund Subsidy 3.03378 Dec-05-22 9.44037 28.64 24.32408 73.79
Dec-06-22 Fund Subsidy 3.03558 Dec-06-22 0.04612 0.14 24.37020 73.98
Dec-06-22 Cost of Insurance 3.03558 Dec-06-22 0.55343- 1.68- 23.81677 72.30
Dec-06-22 Monthly Service Charge 3.03558 Dec-06-22 1.32099- 4.01- 22.49578 68.29
Dec-06-22 Cost of Insurance 3.03558 Dec-06-22 1.03110- 3.13- 21.46468 65.16
Dec-06-22 Cost of Insurance 3.03558 Dec-06-22 17.32453- 52.59- 4.14015 12.57
Dec-06-22 Medical Service Charge 3.03558 Dec-06-22 0.49413- 1.50- 3.64602 11.07
Dec-06-22 Cost of Insurance 3.03558 Dec-06-22 0.52049- 1.58- 3.12553 9.49
Dec-06-22 Cost of Insurance 3.03558 Dec-06-22 3.12625- 9.49- 0.00072- 0.00
Dec-29-22 Paid-to Date Advance 3.04671 Dec-28-22 14.77003 45.00 14.76931 45.00
Dec-31-22 Fund Balance Carried Forward 3.04928 Dec-31-22 0.00000 0.00 14.76931 45.04
Dec-31-22 Fund Cash Surrender Value 3.04928 Dec-31-22 0.00000 0.00 11.81544 36.03

Savings Account
AIA BALANCED FUND

Jan-01-22 Fund Balance Brought Forward 4.11454 Jan-01-22 0.00000 0.00 0.00000 0.00
Oct-05-22 Policy Set Inforce 3.90209 Oct-04-22 14.85102 57.95 14.85102 57.95
Nov-01-22 Paid-to Date Advance 3.95585 Oct-31-22 7.32586 28.98 22.17688 87.73
Nov-04-22 Fund Subsidy 3.90022 Nov-04-22 3.30238- 12.88- 18.87450 73.61
Dec-05-22 Paid-to Date Advance 4.04424 Dec-02-22 7.16575 28.98 26.04025 105.31
Dec-05-22 Fund Subsidy 4.04424 Dec-05-22 7.08168- 28.64- 18.95857 76.67
Dec-06-22 Fund Subsidy 4.02556 Dec-06-22 0.03726- 0.15- 18.92131 76.17
Dec-29-22 Paid-to Date Advance 4.04042 Dec-28-22 7.17252 28.98 26.09383 105.43
Dec-31-22 Fund Balance Carried Forward 4.06392 Dec-31-22 0.00000 0.00 26.09383 106.04
Dec-31-22 Fund Cash Surrender Value 4.06392 Dec-31-22 0.00000 0.00 26.09383 106.04

AIA FIXED INCOME FUND

Jan-01-22 Fund Balance Brought Forward 3.01367 Jan-01-22 0.00000 0.00 0.00000 0.00
Oct-05-22 Policy Set Inforce 2.97981 Oct-04-22 19.44755 57.95 19.44755 57.95
Nov-01-22 Paid-to Date Advance 2.98118 Oct-31-22 9.71763 28.97 29.16518 86.95
Nov-04-22 Fund Subsidy 2.98356 Nov-04-22 4.31699- 12.88- 24.84819 74.14
Dec-05-22 Paid-to Date Advance 3.03378 Dec-02-22 9.54914 28.97 34.39733 104.35
Dec-05-22 Fund Subsidy 3.03378 Dec-05-22 9.44037- 28.64- 24.95696 75.71
Dec-06-22 Fund Subsidy 3.03558 Dec-06-22 0.04612- 0.14- 24.91084 75.62
Dec-29-22 Paid-to Date Advance 3.04671 Dec-28-22 9.50862 28.97 34.41946 104.87
Dec-31-22 Fund Balance Carried Forward 3.04928 Dec-31-22 0.00000 0.00 34.41946 104.95
Dec-31-22 Fund Cash Surrender Value 3.04928 Dec-31-22 0.00000 0.00 34.41946 104.95
 4-6

Note:
1. Fund Cash Surrender Value shown above is after the deduction of Surrender Charge as at the Valuation Date, if any.
Please refer to the policy contract for more details on the surrender charges imposed, if any.
2. The actual Fund Cash Surrender Value upon surrender and the actual Account Value paid for the death benefit are subject
to the terms and conditions in the contract.
3. Monthly Policy Charge consists of Cost of Insurance, Monthly Service Charge (if applicable), Medical Service Charge (if
applicable), Policy Expense Charge (if applicable), one-off Policy Fee of RM 100.00 (if applicable) and Govt. Tax (if
applicable).
 AIA Bhd.
200701032867 (790895-D)

Menara AIA, 99 Jalan Ampang

50450 Kuala Lumpur
P.O. Box 10140
50704 Kuala Lumpur
Care Line: 1300 88 1899
T: 03-2056 1111
5-6
AIA.COM.MY

Update on Policy Sustainability

As your preferred protection partner, we are committed to look after your long-term protection needs. Therefore, we are taking steps to update
you on the sustainability of your Policy.

Policy sustainability is the ability of your investment-linked Policy to continue providing insurance coverage until the end of the coverage term.
This means that your Policy needs to have sufficient account value to be deducted to cover the policy charges.

Please refer to the table below for details on the sustainability of your policy:
SUSTAINABILITY INFORMATION AS AT 31/12/2022
Current Modal Premium (including Govt. Tax if any) RM 211.00
Policy Maturity or Expiry Date 04/10/2091
Estimated Sustainability Date 04/10/2091
Estimated Sustainability Age 70 Years old

We are pleased to inform you that based on our current estimation, your insurance coverage is expected to continue till the end of your policy
term. We shall keep you updated on the sustainability of your policy by sending your investment-linked financial statements annually.

Please note that your policy sustainability may differ from the actual experience as our estimation assumes that:
l you will continue to pay your current premiums by its due date (if applicable), and you will not make any partial / early withdrawals in the
future;
l no changes have been made to your policy (e.g. addition or removal of rider(s) and/or changes to the sum insured);
l The fund value to be growing at our best estimate assumption (5.90%). This does not reflect the potential volatility over the short term
resulting in potential sharp movements, up or down, of the underlying assets of the funds. The actual return may be lower than the
illustrated rates or may even be negative. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the
assets the fund invests in. Changes in fund selection will impact the level and volatility in investment performance.
l
You have chosen to allow policy charges to be deducted from the account value of your Policy's Savings Account when there is insufficient
account value in your Policy's Protection Account.

If you require any further clarification or assistance, please contact your Life Planner / Authorised Representative. Alternatively, you may also call
our Careline at 1300 88 1899, e-mail us at My.Customer@aia.com or visit any of our Customer Centres nearest to you.
 AIA Bhd.
200701032867 (790895-D)

Menara AIA, 99 Jalan Ampang

50450 Kuala Lumpur
P.O. Box 10140
50704 Kuala Lumpur
Care Line: 1300 88 1899
T: 03-2056 1111
6-6
AIA.COM.MY

Update on Automatic Extension of Coverage Term Sustainability Information

We are pleased to inform that your Policy comes with Automatic Extension of Coverage Term. Our record shows that you have opted in for the
Auto-Extension of Coverage Term for your Policy, where the coverage term of the basic policy will continue up to age 100 of the Insured and the
attaching riders (except for A-Plus WaiverExtra, A-Plus Waiver, A-Plus Spouse Waiver Extra, A-Plus Parent Waiver, A-Plus Parent Waiver Extra
and A-Plus Extra Cover, if any) will continue until the maximum coverage age of the respective rider. This is PROVIDED that there is sufficient
account value to deduct policy charges and cost of insurance of the basic policy and any attaching riders. Regular premium is not required during
the extended coverage term. The maturity benefits of your policy will not be paid out and will remain as part of the account value for the
deduction of policy charges and cost of insurance during the extended coverage term.

AUTOMATIC EXTENSION OF COVERAGE TERM SUSTAINABILITY INFORMATION AS AT 31/12/2022

Current Modal Premium (including Govt. Tax if any) RM 211.00
Automatic Extension of Coverage Term Expiry Date 04/10/2121
Estimated Sustainability Date 04/02/2120
Estimated Sustainability Age 98 Years old

We wish to inform you that your policy is expected to lapse before age 100.

Option 1: You may choose to increase your account value via a Scheduled Top Up / Saver in addition to your current premium, if you wish for
your policy to sustain until the end of the extended coverage term:
SCHEDULED TOP UP/ SAVER INFORMATION Till age 100
Estimated Additional Scheduled Top Up / Saver to Sustain Policy per Monthly RM 10.00
Govt. Tax for Additional Scheduled Top Up / Saver RM 0.00
Total New Modal Premium (including Govt. Tax if any) RM 221.00
Note: 95% of your Scheduled Top-Up / Saver will be allocated to purchase units in the investment-linked fund that you have selected. Any
unallocated amount will be used to pay commissions (3.75%) and other expenses (1.25%).

Option 2: You may choose to increase your account value by performing a one-off top-up, if you wish for your policy to sustain until the end of the
extended coverage term:
AD HOC TOP UP INFORMATION Till age 100
Estimated Ad Hoc Top Up to Sustain Policy RM 973.00
Govt. Tax for Ad Hoc Top Up RM 0.00
Total Ad Hoc Top Up (including Govt. Tax if any) RM 973.00
Note: 95% of your Ad Hoc Top Up will be allocated to purchase units in the investment-linked fund that you have selected. Any unallocated
amount will be used to pay commissions (3.75%) and other expenses (1.25%).

The advised outcome of the above option(s) may differ from the actual experience as our estimation assumes that:
l you will continue to pay your current premiums by its due date through-out your premium payment term (if applicable), and you will not
make any partial / early withdrawals in the future;
l no changes have been made to your policy (e.g. addition or removal of rider(s) and/or changes to the sum insured) – if applicable;
l the policy's account value grows at our best estimate assumption (5.90%). This does not reflect the potential volatility over the short term
resulting in potential sharp movements, up or down, of the underlying assets of the funds. The actual return may be lower than the
illustrated rates or may even be negative. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the
assets the fund invests in. Changes in fund selection will impact the level and volatility in investment performance.
l
You have chosen to allow policy charges to be deducted from the account value of your Policy's Savings Account when there is insufficient
account value in your Policy's Protection Account.

Option 3: You may consider reducing your sum assured and/or removing the unit-deducting rider(s) to continue your coverage. A thorough
review with your Life Planner / Authorised Representative will help you get a better understanding of the coverage you have now, ensuring that
they are in line with your current protection and financial needs.

Option 4: You may choose to opt out of Automatic Extension of Coverage Term at any time before the Maturity Date by writing to us. After opting
out, your Policy will mature on 04/10/2091 and we will pay you the maturity benefit as long as your Policy is active on the Maturity Date while the
Insured survives. You may also choose to opt out from the Automatic Extension of Coverage Term by surrendering your Policy during the
Extended Coverage Term if you no longer wish to continue the insurance coverage. Any remaining account value will be paid to you and your
Policy will then end.

Please refer to the Automatic Extension of Coverage Term feature in your Policy Contract for further details. If you wish to explore either one of
these options, including reviewing your current premium amount, or if you have any questions or require any further clarification or assistance,
please contact your Life Planner / Authorised Representative. Alternatively, you may also call our Careline at 1300 88 1899, e-mail us at
My.Customer@aia.com or visit any of our Customer Centres nearest to you.

80, (PJ CPCHAN SERENA) (TAN LAY BEE)/ZA29/Z3142