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Low Premium

PruLink Exact Protector 10 is a ten-pay variable life insurance Proposed Insured : SAUL PIERRE DEANNO LLAGA GERONIMO
product that provides living, disability and death benefits. The Age :2
living benefits are the partially and fully withdrawable values
Sex : Male
which are taken from the policy's share in the separate fund(s).
The Total and Permanent Disability benefit accelerates a Regular Annual Premium : PHP 24,000.00
percentage of the sum assured. The death benefit is the total of
Sum Assured : PHP 650,000.00
the sum assured and the policy's full withdrawal value. Optional
Accelerated Total and
Benefits can be attached to this product.
Permanent Disability Benefit : PHP 400,000.00

This product is a variable contract. The benefits, namely the

partial and full withdrawal values and the actual death benefit at
time of death, all depend on the investment experience of
separate account(s) linked to the policy. If the fund value
becomes insufficient to pay for applicable charges, the policy
automatically terminates, and all benefits end. The applicable
charges are explained in the Illustration of Benefits for each fund.

PruLink Bond Fund

THE INVESTMENT RISKS ASSOCIATED WITH THIS
ARE BORNE SOLELY BY THE POLICYOWNER.
If, after buying the policy, you decide it is not suitable to your
needs, simply return the Policy Booklet with your Policy Data
Page to us within 15 days from the date you receive them. We
will refund the premium you paid in full.
PRODUCT
The PruLink Bond Fund seeks to achieve an optimal level of
income in the medium term together with long term capital
growth through investments in fixed income securities and
money market instruments.

PruLink Managed Fund

The PruLink Managed Fund seeks to optimize medium to

I have read and understood the disclosures in this Sales Illustration .
My agent has explained to my satisfaction the principal features of the
policy and the manner in which the variable benefits will reflect the
investment experience of the separate account (s). I fully understand
that when buying this policy, I am assuming all investment risks
associated with it.
I have read and understood the Investor Classification in the attached
page and have made an assessment of my risk appetite with the help
of my agent. I have taken my Investor Classification into consideration
in my choice of fund allocation.
long term capital and income growth through investment in
fixed income securities, money market instruments and
shares listed on the Philippine Stock Exchange.
PruLink Growth Fund
The PruLink Growth Fund seeks to optimize medium to long
term capital and income growth, with an emphasis on strong
capital growth, through a greater focus of investment in
shares of stocks listed in the Philippines. The fund also
invests in fixed income securities, and money market
instruments .

I also understand that in the event of claim, my policy, including any

optional benefits, will terminate if the aggregate amount of claim on
PruLink Equity Fund
Accelerated Total and Permanent Disability benefit and /or Accelerated
Crisis Cover benefit and/or Accelerated Life Care benefit is equal to The PruLink Equity Fund seeks to optimize medium to long
the sum assured on the basic policy exclusive of any Optional term capital growth through investments in shares of stocks
Benefits.
listed in the Philippines.

In addition, I understand that the Company has the right to vary the
insurance charge, policy fee, annual management charge, and any
rider charge and extra charge in the future. 100 % PruLink ProActive Fund
The PruLink ProActive Fund seeks to optimize medium to
long term capital and income growth with emphasis on
DESIREE ANN LLAGA GERONIMO dynamic asset allocation by fund managers through
Applicant investment in fixed income securities, money market
instruments and shares of stocks listed in the Philippines

This Sales Illustration shall form part of the insurance contract once
SAUL PIERRE DEANNO LLAGA GERONIMO the policy is issued. For more information on what constitutes the
Proposed Insured entire insurance contract, please ask your servicing agent or refer
to your policy booklet.

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.
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INVESTOR CLASSIFICATION

This means that when you invest, you want your capital to be subject to minimal risk .
However, you realize that this may mean you may not achieve real capital growth on the
CAUTIOUS amount invested because of inflation.

Example: PruLink Bond Fund, PruLink Dollar Bond Fund, PruLink Asian Local Bond Fund

This means that when you invest, you want the potential of some real capital growth. You
understand that to have this potential, you need to take some risk with the capital you invest.
MODERATELY CAUTIOUS

Example: PruLink Managed Fund, PruLink ProActive Fund

This means that when you invest, you want the potential of greater real capital growth. You
understand that to have this potential, you need to take moderate risk with the capital you
MODERATELY ADVENTUROUS invest.

Example: PruLink Growth Fund, PruLink ProActive Fund

This means that when you invest, you want the potential of significant real capital growth .
You understand that to have this potential, you need to take higher risk with the capital you
ADVENTUROUS invest.

Example: PruLink Equity Fund, PruLink Asia Pacific Equity Fund

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.
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PROTECTION BENEFITS PAGE

Enjoy the advantage of having a comprehensive plan complete with additional protection benefit(s) which enhance(s) the PruLink Exact
Protector 10 policy you are going to purchase.

You have chosen the benefits below:

Benefit Benefit Protection Benefit

Benefit Type Amount

Basic Cover (Sum Assured) Lump Sum 650,000.00 650,000.00

Accelerated Total and Permanent Disability Lump Sum 400,000.00 Included in Basic Cover
Payor Term Rider Lump Sum 245,000.00 245,000.00

Sum of Protection Coverage Indicated 895,000.00

Conditions apply to each benefit illustrated above. Please refer to the Policy Contract
for details.

Fund Value at "Current" Investment Return (Age 22) 504,051.07

Fund Value is not guaranteed. The indicated value is taken from the Illustration of
Withdrawal Benefits - ProActive Fund page of this Sales Illustration; all conditions
disclosed in the page apply.

Total Premiums Payable 240,000.00

Benefits-to-Total Premiums Payable Ratio 5.83

Benefit-to-Total Premiums Payable ratio is the Sum of Protection Coverage plus the
Fund Value at "Current" Investment Return (Age 22) Indicated divided by Total
Premiums Payable.

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.
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ILLUSTRATION OF BENEFITS - PRULINK PROACTIVE FUND
The values below are based on the projected performance of the The HIGH and LOW investment returns, at 10.00% and 4.00%, are
fund where your policy is linked. Because fund performance is not those prescribed by the Insurance Commission. The illustrated
guaranteed, the values are also not guaranteed. In addition, the "CURRENT" investment return is based on the actual average
assumed investment returns used in projecting the LOW,
investment return experienced by the Fund in the last 36 months, as
CURRENT, and HIGH values represent a range of possible returns
indicated in the Historical Unit Fund Performance page, except that if
that may be achieved by the fund. The HIGH and LOW assumptions
the average exceeds 10.00%, the illustrated investment return is
are only for illustration purposes and do not represent the upper
capped at 10.00%.
and lower limit of the actual investment return that may occur.
PROJECTED BENEFITS
Policy Attained TopUp Withdrawal Fund
FULL WITHDRAWAL VALUE
Year Age Amount Amount Allocation**
LOW (4.00%)* CURRENT (7.26%)* HIGH (10.00%)*
1 3 - - 1,680.00 496.77 512.36 525.44
2 4 - - 7,200.00 6,751.30 6,979.98 7,172.47
3 5 - - 24,000.00 30,719.09 31,928.77 32,955.24
4 6 - - 24,000.00 55,555.16 58,596.77 61,221.09
5 7 - - 24,000.00 81,367.65 87,184.56 92,295.96
6 8 - - 24,000.00 108,192.88 117,828.76 126,457.87
7 9 - - 24,000.00 136,068.66 150,675.94 164,012.61
8 10 - - 24,000.00 165,042.33 185,891.58 205,305.09
9 11 - - 24,000.00 195,152.40 223,642.13 250,703.34
10 12 - - 24,000.00 226,403.35 264,069.42 300,574.54
11 13 - - - 234,054.08 281,803.00 329,148.74
12 14 - - - 241,893.01 300,702.98 360,455.47
13 15 - - - 249,887.52 320,812.68 394,725.51
14 16 - - - 258,035.79 342,211.64 432,246.60
15 17 - - - 266,345.73 364,995.29 473,345.66
16 18 - - - 274,839.76 389,280.64 518,397.31
17 19 - - - 283,538.55 415,190.45 567,810.79
18 20 - - - 292,466.25 442,859.16 622,039.12
19 21 - - - 301,643.57 472,426.40 681,575.89
20 22 - - - 311,100.89 504,051.07 746,973.44
58 60 - - - 832,659.06 6,183,772.28 26,016,972.80
63 65 - - - 932,283.94 8,691,161.12 41,801,810.31
*Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
** Fund allocation illustrated are inclusive of loyalty bonus, if any.
Notes:
1. The projected benefits are already net of charges, as specified below . fee, insurance charge, rider charge or other applicable charges
These charges are not guaranteed. (including any policy debt), the policy automatically terminates on the
a. Annual insurance charge, inclusive of premium tax and day any such charges are due, subject to Note 5b below. In such an
Documentary Stamp Tax, which starts at PHP 0.66 per 1,000 of the event, the remaining balance of your units which are no longer
sum assured. All top-ups shall also be subject to insurance sufficient to pay off outstanding charges will just be refunded to you .
charge. While the insurance charge is quoted at an annual rate , 5.a If Full Withdrawal Value is positive from year 1 : The fund has no
deductions from the fund shall be made monthly. Rider charges, if policy debt. The rest of Note 5 does not apply.
any, are also deducted each month. Monthly deductions may 5.b If the Full Withdrawal Value is zero (0) in the early years : When the
change within one policy year as monthly insurance charges and Full Withdrawal Value is zero (0), the fund value may be insufficient to
rider charges are based on the attained age of the Proposed cover the charges. To provide you with insurance coverage (s), we
Insured. shall create a policy debt corresponding to the monthly charges while
b. Policy Fee, deducted monthly from the total fund, amounting to PHP there is no fund value, provided that premiums are paid on time and
33.33, if within premium paying period and PHP 16.67 after there are no fund withdrawals. This policy debt, accumulated in your
premium paying period. The policy fee is guaranteed not to exceed account without interest, is extinguished if, and as, the fund value
PHP 50.00 per month. grows. The policy will not be terminated on account of an outstanding
The annual insurance charge, rider charge (if any) and policy debt within the first three (3) years, provided that premiums are
policy fee are to be deducted proportionately based on the paid on time and there are no withdrawals from your account.
particular fund's share in the policy's total fund value. It 6. The above illustration assumes that all premiums are paid in full when
may happen that the LOW and CURRENT, or CURRENT and due and as planned with no premium holiday, and assuming that the
HIGH investment returns are the same for a particular current scale of charges remain unchanged.
fund, but their year-on-year Full Withdrawal Values differ, 7. In this illustration, top-ups are made at the beginning of the policy year ,
because these charges are allocated to each fund based and partial withdrawals are made at the end of the policy year.
on the weight of the fund to the policy's total fund value. 8. Partial withdrawals are funded by selling units from the fund (s) where
c. Annual Management Charge (AMC) of 2.25% of the fund value for your policy is linked. Because fund performance is not guaranteed, the
this particular fund. The rate is guaranteed not to exceed 2.50%. sufficiency of the fund value to support the indicated partial
2. All top-ups shall be subject to an initial charge of 6% of the top-up withdrawal(s) is also not guaranteed.
amount. 9. Values illustrated in this page are Full Withdrawals Values net of
3. The Loyalty Bonus is available only for the 15 pay variant. withdrawals plus top-ups indicated in this page. And if Full Withdrawal
4. The fund value may run out due to partial withdrawals and deduction of Value is withdrawn, your policy automatically terminates, and all future
charges. If the fund value is no longer sufficient to pay any of the policy withdrawals no longer apply.

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.
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ILLUSTRATION OF DEATH BENEFITS

The values below are based on the projected performance of the
fund where your policy is linked. Because fund performance is not
guaranteed, the values are also not guaranteed. In addition, the
assumed investment returns used in projecting the LOW,
CURRENT, and HIGH values represent a range of possible returns
that may be achieved by the fund. The HIGH and LOW
assumptions are only for illustration purposes and do not
represent the upper and lower limit of the actual investment return
that may occur.
The HIGH and LOW investment returns, meet the requirements
prescribed by the Insurance Commission. The illustrated
"CURRENT" investment return for Bond Fund, Managed Fund,
Growth Fund, Equity Fund and ProActive Fund are based on the
actual average investment return experienced by the Fund in the
last 36 months, as indicated in the Historical Fund Performance
page, except that if the average exceeds the HIGH rate, the
illustrated investment return is capped at HIGH rate.

DEATH BENEFIT
Policy Attained
LOW CURRENT HIGH
Year Age
(4.00%)** (7.26%)** (10.00%)**
1 3 260,496.77 260,512.36 260,525.44
2 4 396,751.30 396,979.98 397,172.47
3 5 550,719.09 551,928.77 552,955.24
4 6 705,555.16 708,596.77 711,221.09
5 7 731,367.65 737,184.56 742,295.96
6 8 758,192.88 767,828.76 776,457.87
7 9 786,068.66 800,675.94 814,012.61
8 10 815,042.33 835,891.58 855,305.09
9 11 845,152.40 873,642.13 900,703.34
10 12 876,403.35 914,069.42 950,574.54
11 13 884,054.08 931,803.00 979,148.74
12 14 891,893.01 950,702.98 1,010,455.47
13 15 899,887.52 970,812.68 1,044,725.51
14 16 908,035.79 992,211.64 1,082,246.60
15 17 916,345.73 1,014,995.29 1,123,345.66
16 18 924,839.76 1,039,280.64 1,168,397.31
17 19 933,538.55 1,065,190.45 1,217,810.79
18 20 942,466.25 1,092,859.16 1,272,039.12
19 21 951,643.57 1,122,426.40 1,331,575.89
20 22 961,100.89 1,154,051.07 1,396,973.44
58 60 1,482,659.06 6,833,772.28 26,666,972.80
63 65 1,582,283.94 9,341,161.12 42,451,810.31

**Investment returns used are net of final tax, Annual Management Charge and other investment expenses.

The Death Benefit is comprised of the following:

1. Sum Assured.
2. Full Withdrawal Value.
3. 125% of all top-ups less 125% of all withdrawals on top-up units, but not to fall below zero (0).

Any outstanding policy debt shall be deducted from the death benefits/ supplemental benefits.

When the fund value is no longer sufficient to pay for any of the policy fee, insurance charge, rider charge or other applicable
charges (including any policy debt), the policy automatically terminates on the day any such charges are due and all benefits end. In
such an event, the remaining balance of your units which are no longer sufficient to pay off outstanding charges will just be refunded
to you.

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.
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VARIABLE LIFE INSURANCE PLAN

HISTORICAL UNIT FUND PERFORMANCE

The actual returns from PruLife UK's unit funds, net of final tax, Annual Management Charge and other investment expenses, are shown
below. Please note that past performance is not necessarily indicative of the future or likely performance of the fund.

Unit Fund Performance as of December 03, 2013

Bond Managed Growth Equity ProActive Money Market USD Bond Asian Local Asia Pacific
Fund* Fund* Fund* Fund*(**) Fund* Fund* Fund Bond Fund Equity Fund

Fund Launch Date Sept. 24, 2002 Sept. 24, 2002 July 22, 2005 Oct. 1, 2007 Feb. 1, 2009 Feb. 1, 2009 June 3, 2003 Jan 30, 2012 Feb 26, 2013

10.71 % 12.40 % 23.03 % 28.27 % 31.11 % 2.08 % 0.10 % 4.28 % Not Available
Year 1
4.02 % 9.71 % 61.44 % 80.90 % 19.32 % 1.76 % 12.12 % Not Available Not Available
Year 2
10.56 % 11.94 % -33.72 % -40.23 % 16.32 % 0.55 % 9.50 % Not Available Not Available
Year 3
18.49 % 21.36 % 12.49 % 11.25 % 12.62 % -0.58 % 13.46 % Not Available Not Available
Year 4
8.18 % 13.03 % 28.50 % 36.03 % Not Available Not Available 4.51 % Not Available Not Available
Year 5
1.59 % -4.36 % 27.47 % 32.36 % Not Available Not Available 2.39 % Not Available Not Available
Year 6
8.03 % 9.86 % 13.95 % 19.21 % Not Available Not Available 14.81 % Not Available Not Available
Year 7
8.54 % 16.78 % 21.71 % 26.11 % Not Available Not Available 9.84 % Not Available Not Available
Year 8
5.89 % 3.87 % Not Available Not Available Not Available Not Available 10.86 % Not Available Not Available
Year 9
10.86 % 12.65 % Not Available Not Available Not Available Not Available 5.69 % Not Available Not Available
Year 10
11.24 % 11.10 % Not Available Not Available Not Available Not Available Not Available Not Available Not Available
Year 11
Compound Annual Investment 8.84 % 10.57 % 16.38 % 19.56 % 19.65 % 0.95 % 8.23 % 4.28 % Not Available
Return based on completed
years

Average Annual Investment 8.54 % 8.07 % 12.20 % 15.09 % 7.26 % 0.09 % 4.64 % Not Available Not Available
Return for last 36 months
preceding December 03, 2013

*Bond Fund, Managed Fund, Growth Fund, Equity Fund, ProActive Fund and Money Market Fund are denominated in Philippine Peso. Money Market
fund performance is as of September 3, 2013.
**The Equity Fund has served as an underlying fund of the Managed and Growth Funds prior to the fund launch date.

The assets in our unit funds are valued using the marked-to-market valuation method on a daily basis.

The unit prices of Pru Life UK’s unit funds are published every Friday on major newspapers, or you may log on to our website
www.prulifeuk.com.ph for the latest unit prices.

Certified true and correct:

Lee C. Longa
EVP and Chief Financial Officer

Date of Certification: January 06, 2014

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.
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VARIABLE LIFE INSURANCE PLAN

ACKNOWLEDGEMENT OF VARIABILITY

Applicant's Name : DESIREE ANN LLAGA GERONIMO

Application Number :

Agent's Name : JOSEPH CHRISTIAN R LIM

Agent's Code : 70018708

Agent's Unit :

I acknowledge that:

I have applied with Pru Life UK for a Variable Life Insurance Policy and have reviewed the illustration(s) that
shows how a life insurance policy could perform using the Company's assumptions and based on Insurance
Commission's guidelines on investment returns.

I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend
on the actual performance at that given period and that the value of my policy could be less than the capital
invested. The unit values of my variable life insurance policy are periodically published.

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

Applicant's Signature over Printed Name Date

Presented by : JOSEPH CHRISTIAN R LIM Agent's Code : 70018708

Presented to : DESIREE ANN LLAGA GERONIMO Agent's Signature :
This Sales Illustration was prepared on 4/2/2014.