This is an illustrative document and not a contract. Your policy contract will contain the exact terms of coverage. Prepared by AIA Singapore Private Limited on 05 Dec 2019 NPSPI Version 2019.07.r1.a.c Page 1 of 3 Post Sales Policy Illustration - Policy Number Continue Paying Your Premium Based on Current Bonus rates Declared as at 31 December 2018 1. Purpose of this Policy Illustration This Post Sales Policy Illustration provides projection of future policy values assuming current premiums are paid throughout the premium paying period indicated in your policy contract. The benefits shown under the “Non - Guaranteed” columns consist of pro jected Reversionary Bonus and Terminal Bonuses, which have yet to be credited to your policy. They are not guaranteed and can vary in the future. As a result, the projected Total Death Benefit and Total Surrender Value shown under columns E an d H respectiv ely are subject to change. This Post Sales Policy Illustration supersedes any previous policy illustrations that you may have received from AIA. PROJECTION OF VALUES ( FOR ILLUSTRATION ONLY) END OF POLICY YR/AGE GUARANTEED MIN DEATH BENEFIT (END OF YEAR) INSURED AMOUNT PLUS ACCUMULATED BONUS (END OF YEAR) NON GUARANTEED (END OF YEAR) TOTAL (END OF YEAR) GUARANTEED (END OF YEAR) NON GUARANTEED (END OF YEAR) TOTAL (END OF YEAR) (A) (B) (C) (D) (E) = MAX (B, C + D) (F) (G) (H) = (F +G) 4/13 100,000 51,210 410 100,000 390 14 404 5/14 100,000 51,210 823 100,000 755 38 793 6/15 100,000 51,210 1,239 100,000 1,272 73 1,345 7/16 100,000 51,210 1,658 100,000 1,889 122 2,011 8/17 100,000 51,210 2,081 100,000 2,707 184 2,891 9/18 100,000 51,210 4,366 100,000 3,111 400 3,511 10/19 100,000 51,210 7,085 100,000 4,131 765 4,896 11/20 100,000 51,210 7,951 100,000 4,635 887 5,522 12/21 100,000 51,210 8,824 100,000 5,189 1,017 6,206 13/22 100,000 51,210 9,705 100,000 5,394 1,156 6,550 14/23 100,000 51,210 10,592 100,000 5,549 1,304 6,853 15/24 100,000 51,210 11,486 100,000 6,183 1,736 7,919 16/25 100,000 51,210 12,388 100,000 6,389 1,937 8,326 17/26 100,000 51,210 13,297 100,000 6,596 2,151 8,747 18/27 100,000 51,210 14,213 100,000 6,852 2,379 9,231 19/28 100,000 51,210 15,136 100,000 7,060 2,622 9,682 20/29 100,000 51,210 20,386 100,000 7,817 3,656 11,473 21/30 100,000 51,210 21,559 100,000 8,075 4,003 12,078 22/31 100,000 51,210 22,741 100,000 8,333 4,372 12,705 23/32 100,000 51,210 23,932 100,000 8,641 4,765 13,406 24/33 100,000 51,210 25,134 100,000 8,949 5,182 14,131 25/34 100,000 51,210 26,344 100,000 9,858 5,625 15,483 26/35 100,000 51,210 27,565 100,000 10,167 6,095 16,262 27/36 100,000 51,210 28,795 100,000 10,527 6,592 17,119 28/37 100,000 51,210 30,035 100,000 10,937 7,117 18,054 29/38 100,000 51,210 31,285 100,000 11,297 7,671 18,968 30/39 100,000 51,210 39,296 100,000 12,357 9,968 22,325 31/40 100,000 51,210 40,820 100,000 12,767 10,710 23,477 32/41 100,000 51,210 42,356 100,000 13,228 11,492 24,720 33/42 100,000 51,210 43,905 100,000 13,639 12,317 25,956 34/43 100,000 51,210 45,465 100,000 14,101 13,188 27,289 35/44 100,000 51,210 47,039 100,000 15,363 14,107 29,470 36/45 100,000 51,210 48,625 100,000 15,925 15,076 31,001 37/46 100,000 51,210 50,224 101,434 16,438 16,098 32,536 38/47 100,000 51,210 51,835 103,045 17,001 17,173 34,174 39/48 100,000 51,210 53,459 104,669 17,564 18,302 35,866 40/49 100,000 51,210 64,481 115,691 19,100 24,004 43,104 41/50 100,000 51,210 66,407 117,617 19,715 25,527 45,242 42/51 100,000 51,210 68,348 119,558 20,330 27,114 47,444 43/52 100,000 51,210 70,304 121,514 20,995 28,765 49,760 44/53 100,000 51,210 72,276 123,486 21,610 30,477 52,087 45/54 100,000 51,210 74,264 125,474 22,275 32,250 54,525 46/55 100,000 51,210 76,268 127,478 22,891 34,084 56,975 47/56 100,000 51,210 78,288 129,498 23,556 35,983 59,539 48/57 100,000 51,210 80,324 131,534 24,221 37,949 62,170 49/58 100,000 51,210 82,376 133,586 24,887 39,984 64,871 50/59 100,000 51,210 84,445 135,655 25,553 42,091 67,644 51/60 100,000 51,210 86,530 137,740 26,219 44,275 70,494 52/61 100,000 51,210 88,632 139,842 26,935 46,536 73,471 53/62 100,000 51,210 90,750 141,960 27,601 48,874 76,475 54/63 100,000 51,210 92,886 144,096 28,318 51,292 79,610 55/64 100,000 51,210 95,039 146,249 29,035 53,792 82,827 56/65 100,000 51,210 97,209 148,419 29,701 56,372 86,073 57/66 50,000 51,210 99,396 150,606 30,418 59,029 89,447 58/67 50,000 51,210 101,601 152,811 31,135 61,755 92,890 59/68 50,000 51,210 103,824 155,034 31,852 64,546 96,398 60/69 50,000 51,210 106,064 157,274 32,569 67,394 99,963 61/70 50,000 51,210 108,322 159,532 33,235 70,294 103,529 62/71 50,000 51,210 110,598 161,808 33,951 73,241 107,192 63/72 50,000 51,210 112,893 164,103 34,617 76,235 110,852 64/73 50,000 51,210 115,206 166,416 35,282 79,275 114,557 65/74 50,000 51,210 117,537 168,747 35,898 82,362 118,260 66/75 50,000 51,210 119,887 171,097 36,563 85,497 122,060 67/76 50,000 51,210 122,256 173,466 37,177 88,678 125,855 68/77 50,000 51,210 124,643 175,853 37,792 91,904 129,696 69/78 50,000 51,210 127,050 178,260 38,406 95,171 133,577 70/79 50,000 51,210 129,476 180,686 38,970 98,478 137,448 71/80 50,000 51,210 131,922 183,132 39,534 101,824 141,358 72/81 50,000 51,210 134,387 185,597 40,097 105,208 145,305 73/82 50,000 51,210 136,872 188,082 40,660 108,631 149,291 74/83 50,000 51,210 139,376 190,586 41,223 112,095 153,318 75/84 50,000 51,210 141,901 193,111 41,735 115,606 157,341 76/85 50,000 51,210 144,446 195,656 42,298 119,186 161,484 DEATH BENEFIT SURRENDER VALUE This is an illustrative document and not a contract. Your policy contract will contain the exact terms of coverage. Prepared by AIA Singapore Private Limited on 05 Dec 2019 NPSPI Version 2019.07.r1.a.c Page 2 of 3 77/86 50,000 51,210 147,011 198,221 42,811 122,881 165,692 78/87 50,000 51,210 149,597 200,807 43,425 126,725 170,150 79/88 50,000 51,210 152,203 203,413 43,989 130,722 174,711 80/89 50,000 51,210 154,831 206,041 44,604 134,854 179,458 81/90 50,000 51,210 157,479 208,689 45,268 139,087 184,355 82/91 50,000 51,210 160,148 211,358 45,883 143,377 189,260 83/92 50,000 51,210 162,839 214,049 46,447 147,678 194,125 84/93 50,000 51,210 165,552 216,762 47,010 151,951 198,961 85/94 50,000 51,210 168,286 219,496 47,522 156,162 203,684 86/95 50,000 51,210 171,042 222,252 48,034 160,288 208,322 87/96 50,000 51,210 173,820 225,030 48,443 164,315 212,758 88/97 50,000 51,210 176,620 227,830 48,802 168,233 217,035 89/98 50,000 51,210 179,443 230,653 49,110 172,018 221,128 90/99 50,000 51,210 182,288 233,498 49,263 175,277 224,540 91/100 50,000 51,210 185,156 236,366 51,210 185,156 236,366 Guaranteed Maturity Value : $51,210 Non - Guaranteed Maturity Value : $185,156 Total Maturity Value : $236,366 This is an illustrative document and not a contract. Your policy contract will contain the exact terms of coverage. Prepared by AIA Singapore Private Limited on 05 Dec 2019 NPSPI Version 2019.07.r1.a.c Page 3 of 3 2. Client Details 2.1. Insured Name : 2.2. Issue Age/ Sex : 9/Female 3. Policy Details at Last Policy Anniversary 3.1. Policy Number : 3.2. Plan : 3.3. Insured Amount : AIA GUARANTEED PROTECT PLUS $50,000.00 3.4. Guaranteed Minimum Death Benefit ( to age 65) $100,000.00 Guaranteed Minimum Death Benefit ( from age 66 onwards) $50,000.00 3.5. Current Premium : $1,193.50 (Payable Annually) 3.6. Policy Issue Date : 9 - Nov - 16 3.7. Last Policy Anniversary : 9 - Nov - 19 3.8. Number of Policy Years as at Last Policy Anniversary : 3 3.9. Accumulated Bonus as at Last Policy Anniversary : $1,209.63 (Current actual values in your policy) 4. Assumptions used in this Policy Illustration 4.1. Current Premiums include those of supplementary agreements and/or extra premiums, if any, that are currently in force and for which premiums are still being paid. 4.2. If you have supplementary agreements attached to this policy, the number of years premiums are payable on the supplementary a greements follows the premium term stated in the Policy Schedule of your policy contract. 4.3. This Post Sales Policy Illustration assum es that no policy loan is taken. 4.4 The benefits shown under the "Non Guaranteed" columns consist of Reversionary Bonus (RB) and for later years, an addition al bonus called Terminal Bonus (TB), if any. 4.5. The benefit shown in this Policy Illustration excludes any additional benefits p ayable under PowerUp Dollar, regardless of whether the Insured is a Vitality member. The RB is a discretionary bonus that we may credit to your policy on an annual basis depending on the experience of the parti cipating fund. The RB declared in a particular year (if any) could be different from what is projected in the Policy Illustration at the time you purchased this policy or i n subsequent Post Sales Policy Illustrations that may be given to you. The RB once declared and credited to your policy, is guara nteed and will not be affected by any subsequent years’ revisions. However, if you surrender your policy or accumulated rever sionary bonuses, we will only pay a proportion of the accumulated RB. TB is a non - guaranteed, discretionary bonus that may be paya ble on claim, maturity, or surrender. However, if you surrender your policy, the TB upon surrender is a % of surrender value of accumulated RB. Future bonuses of this plan which have yet to be credited to the participating policyholders are not guaranteed and we will decide the level of bonus to be declared each year as approved by the board of directors, taking into account the written recommendation from the Appointed Actuary. 5. Definitions & Important Notes Column A - End of Policy Year / Age. The age r efers to the insured's age, at the end of the corresponding anniversary year. Column B - Guaranteed Minimum Death Benefit. This column shows the Guaranteed Minimum Death Benefit. Column C - Insured Amount Plus Accumulated Bonus. This column shows the Insur ed Amount plus accumulated RB as at last policy anniversary as stated under 3.9. Column D - Non Guaranteed Death Benefit. T his column shows the projected RB and TB On Death, if any. The projected bonuses exclude the accumulated bonus as at last pol icy Column E - Total Death Benefit. This column shows the projected Total Death Benefit. The Total Death Benefit is the higher of: (a) the Guaranteed Minimum Death Benefit (column B), or (b) the sum of the Insured Amount plus accumulated RB (column C) plus Non Guarant eed Death Benefit (column D). Column F - Guaranteed Surrender Value. This column shows the Guaranteed Surrender Values you will receive from your Policy if it is surrendered in full at the end o f each Policy Year. It also includes the surrender value of the accumulated bonus as at last policy anniversary. Please note that s urrenders PRIOR to the end of the Policy Year may result in values different from those shown. If you require Surrender Value quotations for non - anniversary dates, please contact AIA for a quotation. Column G - Non Guaranteed Surrender Value. This column shows the projected surrender value of RB and TB on Surrender, if any, assuming your policy is surrendered in full at the end of each policy year. Note that the surrender value of the RB is non guaranteed under the policy contract terms. The projected su rr ender value of the bonuses excludes the surrender value of the accumulated bonus as at last policy anniversary. Column H - Total Surrender Value. This column shows the projected Total Surrender Value payable if the policy is surrendered at the end of each year. The Total Surrender Value is equal to the sum of the Guaranteed Surrender Value (column F) and the Non Guaranteed Surrender Value (column G). This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, ple ase contact us or visit the GIA/LIA or SDIC web - sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).