I want to build up my wealth for a promising future

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1 life protection & savings I want to build up my wealth for a promising future wealth advance savings plan

2 Table of Contents What are your dreams and life goals? 1 Realise your dreams with Wealth Advance Savings Plan 3 How does this plan work? 4 Accelerate your wealth accumulation 5 Manage and access your savings flexibly 6 Protect yourself and your loved ones 7 Illustration on how this plan helps accelerate your wealth accumulation 8 Wealth Advance Savings Plan at a glance 9

3 What are your dreams and life goals? Just take a couple of minutes to think about your dreams and life goals Set up my business Have my own flat Provide my children with quality education Have a financial cushion for difficult times Travel as often as I want Enjoy a comfortable life after retirement Be a good provider to my family 1

4 2 To realise your dreams and life goals, you need a wealth solution which enables you to secure the sufficient funds required. There are 3 key elements that a sound wealth solution should comprise:

5 Realise your dreams with Wealth Advance Savings Plan At AXA, we understand your needs. Our Wealth Advance Savings Plan ( this plan ) is a participating life insurance plan designed to provide you with growth potential for your savings in medium- to long-term time horizon. With this plan, you may accumulate wealth easier and achieve your savings goal. Accelerate your wealth accumulation Potential returns with reversionary bonus and terminal bonus to meet medium- to long-term savings goal Manage and access your savings flexibly Short premium payment term of 5 years or 10 years Better budget management with fixed premiums Easy access to your savings Protect yourself and your loved ones Financial security to your family with life protection A wide range of optional supplementary benefits available to enhance your protection 3

6 How does this plan work? Premium payment of 5 years or 10 years Reversionary bonus Terminal bonus Wealth Advance Savings Plan Manage and access your savings flexibly Withdrawal of cash values of bonuses Reduction of basic sum insured Policy loan AXA Guaranteed cash value Protect yourself and your loved ones Death benefit Optional extra protection Accelerate your wealth accumulation 4

7 Accelerate your wealth accumulation Grow your wealth with time This plan helps build your wealth by providing non-guaranteed reversionary bonus and terminal bonus after the policy has been in-force for 3 years or more. Reversionary bonus Terminal bonus Bonus allocation On annual basis On a one-off basis Face value of the bonus Guaranteed once declared Payable on the death of the insured Non-guaranteed Payable on the death of the insured The actual amount will only be determined when it is paid Cash value of the bonus Non-guaranteed Payable upon policy surrender or at maturity The actual amounts will only be determined when they are paid Any indebtedness will be deducted from the reversionary bonus and / or terminal bonus when payable. Please refer to the Participating Policy Fact Sheet of this plan at our website to understand more about reversionary bonus and terminal bonus. In addition to reversionary bonus and terminal bonus, guaranteed cash value will be offered by this plan and is payable upon policy surrender or at maturity. 5

8 Manage and access your savings flexibly Short premium payment term with fixed premium This plan offers you a premium payment term of 5 years or 10 years during which your premium will remain unchanged so as to ease your financial planning. Easy access to your savings In the case of life-changing events, you may have the flexibility to withdraw cash value of the declared reversionary bonus 1, together with the cash value of the corresponding terminal bonus, from the policy. You may also apply for a policy loan 2 from the guaranteed cash value and the cash value of declared reversionary bonus to cope with your financial challenges. Furthermore, you may reduce the basic sum insured 3 of the policy. Guaranteed cash value of the reduced portion of the basic sum insured and cash values of its corresponding reversionary bonus (if any) and terminal bonus (if any), less any indebtedness, will be paid to you. 6

9 Protect yourself and your loved ones Life protection to care for your family This plan provides life protection to care for your loved ones. In the occurrence of an unfortunate event, the designated beneficiary will receive a death benefit which is equal to: the higher of (i) 100% of the total standard premiums paid 4, plus extra 30% of the total standard premiums paid 4, 5, 6 if the insured passes away at the age of 60 or below and the policy has been in-force for 3 years; and (ii) guaranteed cash value + + face value of reversionary bonus (if any) face value of terminal bonus (if any) any indebtedness and outstanding premiums (if applicable) Optional extra protection You can also combine this plan with a wide range of optional supplementary benefits such as critical illness, medical, accident and disability protection to meet your personal needs. 7

10 Illustration on how this plan helps accelerate your wealth accumulation Issue age Age 35 Premium payment term 5 years 10 years Currency HKD HKD Total premiums paid 180, ,000 Projected returns at age 65 (a) Guaranteed cash value 189, ,000 (b) Cash values of reversionary bonus and terminal bonus # 722, ,468 Projected total policy value # = (a) + (b) 912, ,468 Projected total return as a percentage of total premiums paid # 507% 438% (The figures above are for illustrative purpose only) The illustrations above are projected assuming (1) annual premium payment mode and all premiums are paid in full when due and as planned; (2) there is no indebtedness under the policy; (3) the basic sum insured of this plan remains unchanged throughout the contract term of the policy; and (4) figures are rounded to the nearest whole number. # The projected values are based on the Company s bonus scales as at 12 January The projected values and bonus scales are not guaranteed and may be changed by the Company from time to time. The actual amounts payable may be higher or lower than those illustrated. 8

11 Wealth Advance Savings Plan at a glance Premium payment term 5 years or 10 years Policy term Up to age Issue age Age 0 60 Premium rate of the basic plan Guaranteed cash value Non-guaranteed bonuses Surrender value / Maturity benefit Life protection Underwriting Fixed and guaranteed Payable upon policy surrender or at maturity To be provided after the policy has been in-force for 3 years or more Reversionary bonus Annual bonus Face value is guaranteed once declared and will be payable on the death of the insured Cash value is non-guaranteed and will be payable upon policy surrender or at maturity. The actual amount will only be determined when it is paid Terminal bonus A one-off bonus Face value is non-guaranteed and will be payable on the death of the insured. The actual amount will only be determined when it is paid Cash value is non-guaranteed and will be payable upon policy surrender or at maturity. The actual amount will only be determined when it is paid Guaranteed cash value cash value of reversionary bonus (if any) cash value of terminal bonus (if any) any indebtedness + + Death benefit is equal to the higher of: (i) 100% of the total standard premiums paid 4, plus extra 30% of the total standard premiums paid 4, 5, 6 if the insured passes away at the age of 60 or below and the policy has been in-force for 3 years; and (ii) guaranteed cash value + + face value of reversionary bonus (if any) face value of terminal bonus (if any) any indebtedness and outstanding premiums (if applicable) No medical examination is required if the total annual premiums 8 of all Wealth Advance Savings Plan policies in respect of the insured is HKD1,600,000 or below 6, 9. For details, please contact your financial consultant. Remarks: 1. The request for withdrawing reversionary bonus is subject to the Company s approval. Upon withdrawal of reversionary bonus, the cash value of reversionary bonus and cash value of its corresponding terminal bonus (which is derived from the reversionary bonus) will be payable. The withdrawal of reversionary bonus reduces the value of the policy. 2. The request for taking policy loan is subject to the Company s approval. Interest will be charged on policy loan. We shall have the absolute discretion to determine or change the interest rate from time to time. If the policy loan and interest are not repaid, they will be deducted from any benefits payable under the policy. 3. The request for reducing basic sum insured is subject to the Company s approval. After reduction of the basic sum insured, the guaranteed cash value, cash value of the reversionary bonus (if any), cash value of the terminal bonus (if any), surrender value, maturity benefit and death benefit payable under the policy will be adjusted and reduced accordingly. 4. Total standard premiums paid is the total premiums due and paid from the policy date up to the date of death of the insured, in which any extra premiums due to underwriting requirements and / or supplementary benefit(s) (if applicable) shall be excluded. In case of any change in basic sum insured or premium payment mode, the total standard premiums paid shall be calculated based on the latest basic sum insured and the latest premium payment mode of the basic plan. 5. Extra 30% of the total standard premiums paid is not applicable for the insured whose age is above 60 during policy year Subject to the Company s approval, customers may apply for Wealth Advance Savings Plan with no medical examination required regardless of the total annual premiums of all Wealth Advance Savings Plan policies in respect of the insured. In such a case, the extra 30% of the total standard premiums paid may not be included in the calculation of death benefit under the relevant Wealth Advance Savings Plan policy. For details, please contact your financial consultant. 7. The policy will automatically terminate upon the earliest occurrence of any one of the following: (i) on the death of the insured; or (ii) when the policy lapses, is cancelled or surrendered; or (iii) when the indebtedness equals to or exceeds the guaranteed cash value of the basic plan and cash value of the reversionary bonus (if any) of the policy, whichever occurs the earliest; or (iv) when the right of policy termination is exercised pursuant to the cross-border provision of the policy (for details of the cross-border provision, please refer to the policy contract); or (v) on the policy anniversary immediately following the insured s 100 th birthday. Once terminated, the policy shall cease to have effect. On termination of the policy, the basic plan and all attached supplementary benefits and endorsements, if any, will also terminate. 8. Annual premiums refer to the amount of premiums based on the annual premium payment mode. 9. AXA reserves the final right to approve any application. Note: Unless otherwise specified, all ages mentioned in this product brochure refer to the age of the insured on his or her last birthday. 9

12 U.S. Foreign Account Tax Compliance Act Under the U.S. Foreign Account Tax Compliance Act ( FATCA ), a foreign financial institution ( FFI ) is required to report to the U.S. Internal Revenue Service ( IRS ) certain information on U.S. persons that hold accounts with that FFI outside the U.S. and to obtain their consent to the FFI passing that information to the IRS. An FFI which does not sign or agree to comply with the requirements of an agreement with the IRS ( FFI Agreement ) in respect of FATCA and / or who is not otherwise exempt from doing so (referred to as a nonparticipating FFI ) will face a 30% withholding tax ( FATCA Withholding Tax ) on all withholdable payments (as defined under FATCA) derived from U.S. sources (initially including dividends, interest and certain derivative payments). The U.S. and Hong Kong have signed an inter-governmental agreement ( IGA ) to facilitate compliance by FFIs in Hong Kong with FATCA and which creates a framework for Hong Kong FFIs to rely on streamlined due diligence procedures to (i) identify U.S. indicia, (ii) seek consent for disclosure from its U.S. policyholders and (iii) report relevant tax information of those policyholders to the IRS. FATCA applies to the Company and this policy. The Company is a participating FFI. The Company is committed to complying with FATCA. To do so, the Company requires you to: (i) provide to the Company certain information including, as applicable, your U.S. identification details (e.g. name, address, the US federal taxpayer identifying numbers, etc); and (ii) consent to the Company reporting this information and your account information (such as account balances, interest and dividend income and withdrawals) to the IRS. If you fail to comply with these obligations (being a Non-Compliant Accountholder ), the Company is required to report aggregate information of account balances, payment amounts and number of non-consenting US accounts to IRS. The Company could, in certain circumstances, be required to impose FATCA Withholding Tax on payments made to, or which it makes from, your policy. Currently the only circumstances in which the Company may be required to do so are: (i) if the Inland Revenue Department of Hong Kong fails to exchange information with the IRS under IGA (and the relevant tax information exchange agreement between Hong Kong and the U.S.), in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your policy and remit this to the IRS; and (ii) if you are (or any other account holder is) a nonparticipating FFI, in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your policy and remit this to the IRS. You should seek independent professional advice on the impact FATCA may have on you or your policy. Wealth Advance Savings Plan is underwritten by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) ( AXA, the Company, or we ). This plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This product brochure contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy contract, which will be made available by the Company upon request. ABOUT AXA HONG KONG AXA Hong Kong, a member of the AXA Group, prides itself of serving over 1 million customers 1 in Hong Kong and Macau. Besides being one of the largest health protection providers in Hong Kong, it is also the number 1 General Insurance provider 2 and a market leader in motor insurance. AXA Hong Kong is committed to the on-going development and enhancement of our life & savings, health, property & casualty, wealth management and retirement solutions in order to satisfy the different needs of our individual and corporate customers. We believe it is our inherent responsibility to support the communities we operate in, hence creating a sustainable business via constant and considerable contribution in the dimensions of health, environment and the community. 1 Including customers of AXA China Region Insurance Company Limited, AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) and AXA General Insurance Hong Kong Limited 2 Based on 2014 Office of the Commissioner of Insurance market share statistics represented by overall gross premiums LPD AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) Tel: (852) Fax: (852) Website: 10 If you do not wish to receive promotional or direct marketing materials from AXA, please inform Data Privacy Officer, AXA China Region Insurance Company (Bermuda) Limited, Suite 2001, 20/F, Tower Two, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong. AXA shall, without charge to you, ensure that you are not included in future direct marketing activities. (Only for use in Hong Kong Special Administrative Region) March 2016

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