1. SMART INVESTMENT Now YOU can make the right investment move

2. Smart Investment - The Plan  Recurring Single Premium - Investment Linked Plan  Start with as little as S$4000 single premium  Regular investments from S$1200 per year - All modes available  Cash, with immediate effect  CPF-OA, CPF-SA, SRS to be announced

3. Smart Investment - How it works >=S$4,000 Initial Single Premium Top Up Anytime >$500 >age 21 Maturity Age: 99 Up to Age 70 RSP >=$1200 per annum CPF Maturity at age 62

4. Smart Investment - The Underlying Fund  100% investment of capital  Daily valuation  Bid offer 5%  1.1% Investment charge per annum  0.9% per annum admin fee 60% 40% Global Equities Global Bonds

5. Smart Investment - The Insurance Plan  Death Benefit at no cost to investor  Standard Risk, Death Benefit = Max (Fund Value, SA) SA = 125% (Single premium + top ups + RSPs - withdrawals)  Substandard Risk, Death Benefit = Max [Fund Value, (1 - lien) SA]

6. Smart Investment - Underwriting Issues  Underwriting based on single premium non med limits  NML based on SP + annualised RSP X 10  e.g. $100,000 + $200x12x10 = $124,000  Also subject to underwriting are:  Each top up  The first RSP included  increase in RSP.

7. Smart Investment - Underwriting Issues  Financial Q for >=S$1m or >=$20K cash  Usual foreign risk underwriting rules  Lien imposed on substandard lives:  EM 201% - 300% --> 12%  EM > 300% ---> decline

8. Smart Investment - RSP payments  Option to include RSP with new business or later  Indication of RSP on appln form means ONE modal payment of RSP has to be made together with single premium  RSP can be suspended at assured’s request or if no fund. Resume any time. No underwriting UNLESS RSP amount is increased  To include RSP later, subj to underwriting  RSPs are considered new business premiums regardless of which policy year we receive them

9. Smart Investment - Freelook  Freelook - market adjustment Pay fund value at bid price + 5% spread less medical fees incurred  Note: All policies will be mailed Listings to distributors to follow up Freelook begins 7 days from date of mail out

10. Smart Investment - Redemptions  Partial - minimum S$1,000 subject to balance of S$4000  Units are redeemed at bid price  No exit charge

11. Smart Investment - Promotion  First 350 applicants whose investment approved and paid by 31 December 2001 gets $30 Robinson gift vouchers (one voucher per assured)