POLICY WORDINGS OF ANTICIPATED ENDOWMENT (BV-NA14, NA15, NA16, NA17 & NA18/2003) (9, 12, 15, 18 AND 21 YEARS) CHAPTER I. GENERAL PROVISIONS

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1 1 POLICY WORDINGS OF ANTICIPATED ENDOWMENT (BV-NA14, NA15, NA16, NA17 & NA18/2003) (9, 12, 15, 18 AND 21 YEARS) Trade name: AN GIA TAI LOC (Approved in Official Letter No TC/TCNH dated July 22, 2003) Article 1: Definitions CHAPTER I. GENERAL PROVISIONS 1.1. The Insured is the person with age ranging from 1 to 60 at the time of Policy s effectiveness (but not exceed 70 at policy s expiry) who is accepted to be insured by Bao Vier Life in accordance with this Policy s wordings and conditions. The information on the Insured is specified in the Application and the Policy s Appendix The Policyholder ( The Buyer ) is an organization or individual who applies for insurance and pays premiums in accordance with this Policy s wordings and conditions. The information on the Policyholder is specified in the Application and the Policy s Appendix The Beneficiary is the person to be entitled to receive the insurance benefits upon the death of the Insured. The Beneficiary is designated by the Policyholder with the consent of the Insured. The information on the Beneficiary is specified in the Application and the Policy s Appendix Entry age is the age of the Insured on the birthday that is nearest to the date when the Policy comes into effect Anniversary date of the Policy is the anniversary (in the insurance period) of the date when the Policy comes into effect (the same day and month as the date when the Policy has taken effect in each later year in the insurance period) Accident is a specific event or series of continuous events that caused by the sudden impact of external force or substance, without Insured s intention and expectation, to the Insured s body resulting in death or injury excluding any occurring process caused by disease, aging or deterioration. The above event or series of events must be a direct and unique cause to the death or injury of the Insured Total and permanent disability is the condition in which the Insured suffers the total and unrecoverable loss of: Use of both hands, Use of both feet, Use of one hand and one foot,

2 Sight of both eyes, Use of one hand and sight of one eye, or Use of one foot and sight of one eye. The total permanent disability shall be certified by the authorized medical organization that it must occur within 180 days since the date of accident Initial Sum Insured is the Sum Insured at the time of the Policy s commencement. Initial Sum Insured is selected by the Policyholder and is specified in the Policy s Appendix Surrender Value is the amount of money that the Policyholder may receive when the Policy has been terminated or the Policyholder has surrendered the Policy. Surrender Value on the anniversary date of each Policy year is specified in the Policy s Appendix Paid-up Policy is the Policy with the Sum Insured amount recalculated in case the Policy has been maintained without future premium payment. Article 2: Sum Insured on the anniversary date of each Policy year is specified in the Policy s Appendix. Participation Requirements and Temporary insurance 2.1. Participation Requirements When the Policyholder applies for insurance, he/she shall complete the Application form provided by Bao Viet and pay the estimated initial premium under the Policy If the Insured s age is at least 18 years old, the Application form must have his/her signatures If the Insured is under 18 years old, the Application profile must have the written permission of the father, mother or legal guardian of the Insured Temporary insurance Bao Viet shall provide temporary insurance to the Insured with benefits in accordance with the provisions in Temporary Insurance Certification issued by Bao Viet Life right after the Policyholder has completed the Application form and paid the estimated initial premium If the Policyholder has cancelled the insurance during the temporary insurance period, the temporary coverage shall terminate and Bao Viet Life shall refund the Policyholder the paid premium after deducting all relevant reasonable costs thereof If Bao Viet Life does not accept the Application, Bao Viet Life shall refund the Policyholder 100% of the paid premium. Article 3: The Policy's effectiveness and Insurance period 3.1. In case Bao Viet Life has accepted the Application, this Policy shall come into effect on the date when Bao Viet Life receives the estimated initial premium stipulated in the Supplementary Rule of the Article 2. This date is considered the Policy effective date and shall be shown in the Policy s Appendix. Risks occurred before the date when Bao Viet Life accepts the Application and issues the First Premium Receipt shall be settled in accordance with the provisions in Temporary Insurance Certificate. 2

3 3.2. Duration of Insurance policy is specified in the Policy s Appendix, upon the Policyholder s choice. 3 Article 4: Duty of honesty disclosure and true compliance with the commitments in the Policy 4.1. Duty of honesty disclosure The Policyholder, the Insured and the Beneficiary have to fully and honestly disclose all the information relevant to the Policy requested by Bao Viet Life. The Insured s medical examination (if any) designated by Bao Viet Life shall not substitute for this obligation If the Policyholder, the Insured and the Beneficiary fail to perform the duty stated in the Supplementary Rule of this Article, Bao Viet Life shall be entitled to a unilateral suspension of this Policy. In this case, Bao Viet Life shall not refund to the Policyholder the premium paid to the date of suspension and shall not have the responsibility for the risks occurred Duty of true and full compliance with the commitments in the Policy The Policyholder, the Insured, the Beneficiary shall fully and truly comply with all the commitments in this Policy If the Policyholder, the Insured, the Beneficiary fail to perform the duty stipulated in Supplemental Rule No , Bao Viet Life shall be entitled to refuse the payment of the whole or a part of insurance benefits depending on the severity of the failure. Article 5: Incontestability In case the Insured is alive, Bao Viet Life shall not contest this Policy for the misrepresentation made in the application and involved documents since the Policy has taken effect for 24 months counted from the commencement date or the date of the last reinstatement. This provision shall be applied for intentional misrepresentations or omissions of information which result in Bao Viet Life s refusal of insurance, delay of acceptance or conditional acceptance. Article 6: Insurance benefits 6.1. Increase of Sum Insured CHAPTER II. INSURANCE BENEFITS During the insurance term, on each anniversary date of policy, the Sum Insured shall be increased 5% of the Initial Sum Insured. This increase shall be done each year since the first Anniversary date of the Policy to the Anniversary date right before the maturity date Periodic Benefit: In cases the Policy is in effect, in corresponding anniversary dates (specified in the following table), the periodic benefit shall be paid as follows:

4 Insurance Period Policy Anniversary 9 years 20%S 20%S years 20%S 20%S 20%S 15 years 20%S 20%S 20%S 20%S 18 years 20%S 20%S 20%S 20%S 20%S 21 years 20%S 20%S 20%S 20%S 20%S 20%S (In which S is the Initial Sum Insured) After 3 months from the due date of periodic payment (specified in Supplemental Rule No ), if Policyholder does not withdraw the periodic benefit, that benefit shall be accumulated at Bao Viet Life with Bao Viet Life s investment interest rate. In this case, the periodic benefit is accumulated from the due date of periodic benefit. Accumulated Benefit and its interest shall be paid to the Policyholder upon: - Policyholder s request or - Policy s termination Maturity benefit Bao Viet Life shall pay the increasing Sum Insured stipulated in Clause No to the Policyholder in case the Insured has survived the Policy s maturity date Death & Total and Permanent Disability benefit Bao Viet Life shall pay the increasing Sum Insured stipulated in Clause No to the Policyholder in case the Insured has fallen under the Total and Permanent Disability due to accident Bao Viet Life shall pay the increasing Sum Insured stipulated in Clause No to the Beneficiary in case the Insured died due to any of the following causes: a) Accident occurred during the Policy s insurance term; b) Suicide or HIV infection, AIDS contraction (Acquired Immune Deficiency Syndrome), or diseases relating to AIDS when the Policy has taken effect for at least 24 months; c) Other causes when the Policy comes into effect for at least 12 months Bao Viet Life shall refund the Policyholder 100% of the premium paid after deducting all relevant expenses in case the Insured has died due to any of the following causes: a) Suicide or HIV infection, AIDS contraction (Acquired Immune Deficiency Syndrome), or diseases relating to AIDS when the Policy has taken effect for less than 24 months b) Other causes when the Policy comes into effect for less than 12 months The Policy shall be terminated on the date of the occurrence of any of the events that

5 creates Bao Viet Life s liability stipulated in the Clause No. 6.3, Clause No of this Article. 5 Article 7: Exclusions 7.1. Bao Viet Life shall not pay the insurance benefits stipulated in the Article 6 in case the Insured has either died or suffered from a Total and Permanent Disability due to any of the following causes: Intentional act of the Insured, the Policyholder or the Beneficiary (except the case the Insured has died due to suicide, which shall be settled as stipulated in Supplemental Rule No b. and Supplemental Rule No a.. Article 6.); The Insured participates in: aeronautical activities (except as a passenger in a civil airplane); military rehearsal and training; dangerous activities (like car/motor/bicycle racing, horse racing, hunting or other sport activities in the air, on the mountain or on the sea); or The Policyholder s or Insured s intentional violation of the law; or Infection of alcohol (beer included), narcotic effect, other stimulant; or Earthquake, volcano, infection of radioactivity, nuclear; or War (whether declared or not declared), civil war, terrorism, rebellion, riot or the like This Policy shall be terminated right after the Insured has died or suffered from a Total and Permanent Disability due to any one of the causes stipulated in Clause No 7.1. of this Article and Bao Viet Life shall refund the Policyholder 100% of the premium paid after deducting all relevant expenses. Accumulated Periodic Benefit and its interest (if any) at policy termination shall be paid to the Policyholder. CHAPTER III: PREMIUM Article 8: General provisions on premium 8.1. The Policyholder may choose to pay premium monthly, quarterly, semi-annually or annually. The premium payment frequency, the premium payment due date and the amount of premium are shown in this Policy s Appendix The Policyholder may request to change the frequency of premium. The written request shall be sent to Bao Viet Life at least 15 days before the due date of the next premium. The new frequency of premium shall be applied on and after the due date of premium right after the date when Bao Viet Life has accepted the request in writing Advance premium payment The Policyholder, with the consent of Bao Viet Life, may pay in advance the whole or a part of the premium to be paid in the future In case of the occurrence of an event that makes this Policy free of premium as stipulated in Article No. 15, Article No. 19, the difference (if any) between the amount of premium paid in advance and the necessary amount of premium, shall be refunded to the Policyholder. In case Bao Viet Life has settled the insurance

6 benefits, the difference shall be paid along with the insurance benefit. Article 9: Grace period for premium payment 9.1. In case the Policyholder has not paid the due premium, the grace period of 60 days counting from the premium payment due date shall be granted In case the grace period stipulated in Clause No has elapsed without the payment of premium and there has not been a surrender notification in writing from the Policyholder, the provision in Article 10 shall be applied. 6 Article 10: Automatic premium loan In case the grace period has expired without the premium payment and the Policyholder s written request to surrender this Policy, Bao Viet Life shall automatically loan the Policyholder the amount equivalent to the unpaid premium in order to pay this due premium if the following conditions have been met - The Policy has already had the Surrender Value; and - The total amount of all loans and interest does not exceed the total amount of Surrender Value and accumulated periodic benefits (if any) of the Policy The interest rate of the automatic premium loan shall be specified by Bao Viet Life corresponding to the popular interest rate in the market and the State Bank s guideline at the time of lending Bao Viet Life shall be entitled to a unilateral suspension of the Policy retroactively at the premium payment due date in case the conditions stipulated in Clause No has not been met. In this case, the Policyholder shall be neither refunded the paid premium nor paid Surrender Value nor paid accumulated periodic benefits (if any) of the Policy. CHAPTER IV: POLICY LOAN Article 11: Policy loan In case this Policy has had the Surrender Value, the Policyholder has the right to request Bao Viet Life to provide a loan under the conditions and method of Policy loan specified by Bao Viet Life The maximum amount of money that the Policyholder may be lent is equal to 80% of the Policy s Surrender Value which take into account the last premium payment (not advance payment). The interest rate of the loan shall be specified by Bao Viet Life corresponding to the popular interest rate in the market and the State Bank s guideline at the time of lending In case the total amount of all loans plus interest has exceeded the Policy s Surrender Value and the accumulated periodic benefits (if any), the Policy shall be automatically terminated and the Policyholder shall be neither refunded the paid premium nor paid Surrender Value nor paid accumulated periodic benefits (if any) of the Policy. CHAPTER V: CHANGE OF THE POLICY Article 12: Change of the Policyholder/Policy transfer

7 12.1. During the term of the insurance, the Policyholder can transfer this Policy to other people or organization (the Transferred), subject to applicable regulations To be valid, the Policy transfer request must be in writing and accepted by Bao Viet Life in writing. After Bao Viet Life has accepted the request of transfer, the Transferred shall become the Policyholder of the Policy, whereas the Insured shall not be changed Bao Viet Life shall not be responsible for the validity, the legality nor the completeness of the Policy transfer between the Policyholder and the Transferred. 7 Article 13: Change of the Policy Policyholder shall have to notify in writing to Bao Viet Life within 60 days counting from the date of change of: - Contact address of the Policyholder or that of the Insured; - Premium contribution address The Policyholder may request some changes to Policy conditions as follows: To change the Beneficiary (with Insured s consent); To designate other Beneficiary if the designated Beneficiary has died before the Insured s death (with Insured s consent); To cease premium payment and to convert the Policy into a Paid-up Policy To reduce the Initial Sum Insured All the requests to change shall be notified in writing to Bao Viet Life by the Policyholder. New conditions shall be applied from date when Bao Viet Life accepts the change in writing In case there is not any Beneficiary at the death of the Insured, all the insurance benefits and other benefits (if any) shall be paid to the legal heir(s) of the Insured During the term of the insurance, at the event of death or dissolution (for the case the Policyholder is an organization) of the Policyholder: The Policyholder s legal heir(s) shall succeed universally to all the rights and duties of the Policyholder on the Policy. In case there is more than one Beneficiary in one Policy, these Beneficiaries should authorise one representative to perform necessary transactions with Bao Viet Life. In case the Policyholder s legal heir(s) refuse to succeed to all the rights and duties of the Policyholder on the Policy, Article No. 9 and Article No. 10 shall be applied. Article 14: Reduction of the Initial Sum Insured The Policyholder may request to reduce the Initial Sum Insured in premium paying period The Policy shall be deemed to have been partly surrendered corresponding to the difference between the Initial Sum Insured shown in this Policy s Appendix and the new Initial Sum Insured. In case the Policy has come into effect for at least 24 months, Bao Viet Life shall pay the Policyholder the Surrender Value (if any) of the Policy corresponding to the reduced part The premium, the insurance benefits and other related conditions of the Policy shall

8 8 be adjusted corresponding to the new initial Sum Insured. Article 15: Paid-up Policy The Policyholder may request to cease the premium payment and convert the Policy into a Paid-up Policy when the Policy has come into effect at least for 24 months The Policyholder shall notify Bao Viet Life in writing of the request to cease the premium payment and convert the Policy into Paid-up Policy at least 15 days before the due date of the next premium payment. Bao Viet Life shall notify the Policyholder in writing of the Sum Insured of Paid-up Policy at the time of ceasing the premium payment and the involved changes within 15 days after receiving the Policyholder s request The Sum Insured of Paid-up Policy shall not be increased as stipulated in Clause No Article No. 6. With paid-up policy, there is no periodic benefit as stipulated in Clause No. 6.2., Article No. 6. Article 16: Restoration of Sum Insured In case the Policy s Initial Sum Insured has been reduced under the Article 14 or the Policy is maintained as a Paid-up policy under the Article 15, the Policyholder may request to restore the Sum Insured within 24 months counting from the date of reduction of Initial Sum Insured or of conversion into Paid-up Policy if the following conditions shall be met: - The Policyholder has requested to restore the Sum Insured before the maturity date of the Policy; and - The Policyholder and the Insured have well met the conditions according to which Bao Viet Life shall accept the request of restoration; and - The Policyholder has paid Bao Viet all the loans, received surrender value (if any), supplemental premiums plus interest according to Bao Viet Life s regulation In case Bao Viet Life has accepted the restoration, the Initial Sum Insured of the Policy shall be restored on and after the date when the Policyholder has paid Bao Viet Life all the loans, supplemental premiums plus interest as stipulated in the Clause No of this Article. Article 17: Misstatement of the Insured s age or the Insured s sex Misstatement of the Insured s age If the paid premium is less than the amount of necessary premium computed on the true age, the Policyholder may select any of the following solutions: a) To maintain the initial Sum Insured of the Policy unchanged. In this case, the Policyholder shall pay the difference between the paid premium and the necessary premium for the period of misstatement and shall pay the corrected premium since the due date of the premium right after the discovery of the misstatement; or b) To adjust the initial Sum Insured of the Policy according to the paid premium. The insurance benefits and other relating conditions of the Policy shall be adjusted according to the new initial Sum Insured. In this case, the Policyholder shall continue paying premium as the one before the discovery of the misstatement.

9 If the premium paid is more than the amount of necessary premium computed on the true age, Bao Viet Life shall refund the Policyholder the over-paid amount. In case the discovery of the misstatement is after the settlement of insurance benefits, the over-paid or unpaid premium shall be settled along with the insurance benefit If, upon the true age, the Insured should not be insurable under this Policy, the Policy shall be cancelled and the Policyholder shall be refunded the larger of the followings: a) 100% of the paid premium paid after deducting all paid periodic benefits (if any) as well as all reasonable relating expenses; or b) Surrender Value of the policy computed at the time of cancellation In case of misstatement of the Insured s sex, the Supplementary Rule No , Supplementary Rule No , and Supplementary Rule No of this Article shall be similarly applied. 9 CHAPTER VI: SURRENDER AND REINSTATEMENT OF THE POLICY Article 18: Cancellation of the Policy/Free look period Within 14 days since the effective date of the Policy, the Policyholder may cancel the Policy in writing. In this case, the Policy shall be cancelled and the Policyholder shall be refunded 100% of the premium paid after deducting all reasonable relating expenses. Article 19: Surrender of the Policy The Policyholder may request to surrender the Policy The Policyholder shall notify Bao Viet Life in writing of the request to surrender the Policy at least 15 days before the due date of the next premium payment Bao Viet Life shall pay the Policyholder the Surrender Value of the Policy computed at the time of surrender of the Policy, provided that the Policy has taken effect at least for 24 months. Article 20: Reinstatement of the Policy In case this Policy has been automatically suspended under the Clause No Article No. 10, the Clause No Article No. 11, or terminated under the Article No. 19 and the Surrender Value (if any) has not been paid, the Policyholder may request to reinstate the Policy within 24 months counting from the date when the Policy has been automatically suspended, surrendered or terminated if the following conditions shall be met: - The Policyholder has requested to reinstate the Policy before the maturity date of the Policy; and - The Policyholder and the Insured have well met the conditions according to which Bao Viet Life shall accept the request of reinstatement; and - The Policyholder has paid Bao Viet Life all the loans, all the supplemental premiums plus interest according to Bao Viet Life s regulation.

10 20.2. In case Bao Viet Life has accepted the reinstatement, the Policy shall be reinstated on and after the date when the Policyholder has paid Bao Viet Life all the loans, the due premiums plus interest as stipulated in Clause No of this Article. CHAPTER VII: CONVERSION OF THE POLICY 10 Article 21: Conversion of the Policy Within the insurance term, the Policyholder may request to convert this Policy into another kind of life insurance contract according to Bao Viet Life s regulations. CHAPTER VIII: PROCEDURE OF CLAIM SETTLEMENT Article 22: Period of claim for insurance benefits Notification of accident In the event of occurrence of an insured peril under this Policy, notice in writing thereof shall be given to Bao Viet Life as soon as possible by Claimant, within 30 (thirty) days after the date of such occurrence. Notice should include the consequence of the accident and address of the Insured. After receiving the notification, Bao Viet Life has the right to survey/inspect the incident and consequence arisen thereof The Claimant(s) shall set up and submit to Bao Viet Life a file to claim for settlement of the insurance benefits within a period of: months counting from the maturity date in case of maturity of the Policy; months counting from the date of the Insured s death in case the Insured has died months counting from the date of occurrence of accident, that resulted to Total and Permanent Disability of the Insured Force Majeure period is excluded from Period of claim Failure to notify the Company within the specified period stipulated in Clause No of this Article will invalidate the claim. Article 23: Documents of claim for insurance benefits The Claimant(s) shall submit to Bao Viet Life the following documents to file a claim for insurance benefits: In case of receiving periodic benefit: - Claim form for insurance benefits; and - Other documents involved in the settlement of insurance benefit In case the Policy is matured: - Claim form for insurance benefits; and - Original life insurance policy; and - Other documents involved in the settlement of insurance benefit In case the Insured has died: - Claim form for insurance benefits; and - Original life insurance policy; and - Death certificate (original or legal copy); and

11 Accident report certified by Police or the local authority where the accident occurred, or in case of labor accident, by the organization for which the Insured was working when the accident occurred (if the Insured s death caused by accident); and - Other related documents which is needed for the settlement of insurance benefit. In case the Insured has fallen under the total and permanent disability: - Claim form for insurance benefits; and - Original life insurance policy; and - Accident report certified by Police or the local authority where the accident occurred, or in case of labor accident, by the organization for which the Insured was working when the accident occurred; and - Certificate of authorized medical body on the state of disability of the Insured; and - Other related documents which is needed for the settlement of insurance benefit. In case of surrender of the Policy: - Written notification to surrender the Policy; and - Original life insurance policy; and - Other documents involved in settlement of insurance benefit The claimant(s) should collect and provide Bao Viet Life honestly and sufficiently with necessary documents and relating information. The claimant should also assist Bao Viet Life to survey/inspect the incident and consequences arisen thereof. 11 Article 24: Claim settlement Bao Viet Life shall settle the insurance benefits within 30 days counting from the date when Bao Viet Life receives full and regular claim documents as stipulated in the Article The notification of the claim settlement shall be sent to the last address informed of by Claimant. The insurance benefits shall be paid at Bao Viet Life s office In case there is more than one Beneficiary in one Policy, these Beneficiaries should authorise one representative to perform necessary transactions with Bao Viet Life In case Bao Viet Life has still not paid the insurance benefits after the lapse of the period stipulated in Clause No , (unless the fault does not belong to Boa Viet Life s side), Bao Viet Life shall pay the interest on the money paid at the interest rate that is popular in the market and conform to State bank s guideline (if nay) Bao Viet Life shall have the right to deduct the full amount of any outstanding loan of the Policy (if any) at the time of claim settlement. CHAPTER IX: DISPUTE SETTLEMENT Article 25: Complaint period The Policyholder, the Insured and the Beneficiary may complain with Bao Viet Life in writing about the settlement of insurance benefits within 12 months counting from the date of receiving the notification of claim settlement or others relating to the Policy from Bao Viet Life. Article 26: Dispute settlement

12 All disputes arising on the Policy shall be firstly settled through negotiation between related parties. In case of failure in negotiation, any of the parties shall have the right to bring the case to the Court at the site of Bao Viet Life or that of the Insured. 12

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