1. P ension, E ducation & R etirement Program “ The Ultimate Savings & Protection Flexi Product”

2. P ension, E ducation & R etirement P ension, E ducation & R etirementProgram The PRE Program is a systematic Savings Program that answers the need for financial independence, education of the children and replacement of the peso value of the person. A Pension Program, Education Program, Retirement Program and Insurance Protection Program packaged up in ONE PRODUCT with the flexibility of an UNBUNDLED protection and investment program!

3. Education Option Paying PeriodWaiting PeriodAvailment Period 1 51620 Graduation Gift ___________________ Education Benefit with 15% Increment/ Year ______ Total Education Benefit + Return of Premium Total Education Option Benefit P_______________________ Initial Education Benefit (IEB): P___________ Life Insurance (20 years): P_____________ Scholar's Age: ____________ Annual Insurance Premium: P___________ Mutual Fund Investment:______________ Annual Payment:___________________ Total Payment: P________________ Education Benefits - 15% Yearly Increment - Return of Premium - P_________________ 20 Yr. Life Insurance COST FREE EDUCATION! Notes” 1. Values shown refer to the projected amount that can be withdrawn annually from the Mutual Fund starting at the 16 th year of the policy up to the 20 th policy year based on the assumed average interest rate of 12% and assuming no withdrawals are made other than the scheduled education benefit. These values are not guaranteed and may be higher or lower depending on the actual interest credited to the Mutual Fund. 2.The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or to Cocolife for more information. 3.The Return of Premium Benefit is computed based on annual premiums. P ension, E ducation & R etirement Program Issue Age: _________ Paying Period: __________

4. Unavailed Pension Benefits P______________ + Return of Premium P1___________ c Pension Option Paying Period Waiting Period Availment Period 1 51141 Total Retirement Benefit P_________________ Ten Year Pension: P_________ / Year Life Insurance (20 years): P__________ Issue Age: _____ Paying Period: ________ Retirement Benefits 1. Annual Pension for 10 Years: P________________ 2. Return of Premium: P__________________ 3. 20 Yr. Life Insurance: P________________ 36 Projected Fund at Age 60 if Retirement Benefit is Reinvested P___________ Annual Lifetime Pension benefit at Age 60 P___________ Projected Fund at Age 65 if Retirement Benefit is Reinvested P__________ Annual Lifetime Pension benefit at Age 65 P___________ Term of Payment Spot Cash: P______________ Installment Annual: P_____________ Semi-Annual: P__________ Quarterly: P____________ 12% ______ 12% ______ 12% ______ 12% ______ 12% ______ 12% ______ 12% ______ 12% ______ 12% ______ 12% ______ 121314 151617 1819 20 Notes” 1. Values shown refer to the projected amount that can be withdrawn annually from the Mutual Fund starting at the 11 th year of the policy up to the 20 th policy year based on the assumed average interest rate of 12% and assuming no withdrawals are made other than the scheduled education benefit. These values are not guaranteed and may be higher or lower depending on the actual interest credited to the Mutual Fund. 2.The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or to Cocolife for more information. 3.The Return of Premium Benefit is computed based on annual premiums. P ension, E ducation & R etirement Program Annual Insurance Premium: P___________ Mutual Fund Investment:______________ Annual Payment:___________________ Total Payment: P________________

5. Retirement Option Paying PeriodWaiting Period Availment Period 1 52041 Retirement Benefit P_________ Return of Premium P__________ Total Retirement Benefit P__________________ Retirement Benefit: P____________ Life Insurance (20 years): P__________ Issue Age: _____ Paying Period: ______ Annual Premium: P__________ Total Payment: P___________ Retirement Benefits 1. Retirement Benefit: P________ 2. Return of Premium: P________ 3. 20 Yr. Life Insurance: P_________________ 36 Projected Fund at Age __ if Retirement Benefit is Reinvested P________ Annual Lifetime Pension benefit at Age ___ P__________ Projected Fund at Age ___ if Retirement Benefit is Reinvested P_________ Annual Lifetime Pension benefit at Age __ P_________ Notes” 1. Values shown refer to the projected amount that can be withdrawn annually from the Mutual Fund on the 20 th policy year based on the assumed average interest rate of 12% and assuming no withdrawals are made other than the scheduled education benefit. These values are not guaranteed and may be higher or lower depending on the actual interest credited to the Mutual Fund. 2.The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or to Cocolife for more information. 3.3. The Return of Premium Benefit is computed based on annual premiums. P ension, E ducation & R etirement Program Term of Payment Spot Cash: P______________ Installment Annual: P_____________ Semi-Annual: P__________ Quarterly: P____________ Annual Insurance Premium: P___________ Mutual Fund Investment:______________ Annual Payment:___________________ Total Payment: P________________