AIA Wealth Management Survey 2015 Findings and Launch of New Bonus Power Plan to Help Customers Achieve Long-term Wealth Growth

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1 AIA Hong Kong AIA Hong Kong Tower, 734 King s Road, Quarry Bay, Hong Kong T: (852) AIA.COM.HK Media Release AIA Wealth Management Survey 2015 Findings and Launch of New Bonus Power Plan to Help Customers Achieve Long-term Wealth Growth Hong Kong, AIA Hong Kong today announced the key findings of its AIA Wealth Management Survey 2015 (the Survey ). The Survey examines the wealth management goals and attitudes of working adults in Hong Kong, and the key findings are: Hong Kong people s First Pot of Gold has risen in value from HK$2 million to HK$2.4 million; The top three objectives of Hong Kong people in saving money are (ranked in order): to travel around the world, to fully own an apartment, and to retire early; One out of every two parents wishes to leave a financial legacy for his/her children - the average amount of this legacy is HK$2.3 million; and People who have financial planning enjoyed nearly three times the investment return in the past year than those who did not. Ms. Bonnie Tse, General Manager, Business Strategy and Marketing of AIA Hong Kong and Macau, said, As The Real Life Company, we recognise the growing demand for wealth management and insurance solutions. People wish to effectively accumulate wealth in the current low interest rate and high inflation environment. Having a clear goal and the right strategy are key to smart wealth management. To help customers achieve long-term, sustainable wealth growth, AIA Hong Kong has launched the brand new Bonus Power Plan. This new plan features a choice of two relatively short premium payment periods, 5 or 10 years, with attractive potential returns over time to enable our customers to realise saving goals. AIA Hong Kong commissioned GfK Hong Kong, an independent market research company, to conduct the survey via online questionnaires in July The survey respondents were 521 working adults between the ages of 20 and 59. Key findings of the Survey: (1) Hong Kong people s "First Pot of Gold" has risen in value from HK$2 million to HK$2.4 million The respondents First Pot of Gold was on average HK$2.4 million, representing an increase of 20% from the HK$2 million as revealed in AIA s Survey of Wealth Management Attitudes 2014; In the 2014 survey, 4% of respondents replied that they had earned their First Pot of Gold. In the 2015 survey, just over two-tenths (22%) of respondents said they had. Both surveys show that most people had yet to accumulate their First Pot of Gold ;

2 Page two 30% of respondents who had their First Pot of Gold attributed their wealth to property investment, followed by regular savings (23%). However, there were 29% of people who had not yet earned their First Pot of Gold believed they could become wealthy only if they were lucky enough to win the Mark Six lottery. (2) The top three objectives Hong Kong people in saving are (ranked in order): to travel around the world, to fully own an apartment, and to retire early Hong Kong people save to achieve the following top three goals: to travel around the world (58%), to fully own an apartment (55%) and to retire early (51%). For young respondents aged between 20 and 29, obtaining full ownership of an apartment (64%) is their top priority; The approximate average amounts required for accomplishing the three goals are: around HK$0.96 million to travel around the world, HK$4.1 million to fully own an apartment and about HK$5.57 million to retire early. (3) One out of every two parents wishes to leave a financial legacy for his/her children - the average amount of this legacy is HK$2.3 million Some surveyed parents shared that they did not save solely to support their own retirement. Almost half (47%) of parents aspire to leave their children a financial legacy, and the average amount is HK$ 2.3 million; Over a quarter (26%) of parents listed helping their children buy an apartment among their saving goals. (4) People who have financial planning enjoyed nearly three times the investment return in the past year than those who did not Two-thirds (66%) of respondents said they had financial planning to realise their saving goals. However, over half (55%) of these respondents were not sure or even had no idea about how much to save; Deposits (87%) were the most popular savings/investment vehicle among respondents for the past 12 months, followed by stocks (62%) and insurance with savings/dividends (48%). According to AIA s Survey of Wealth Management Attitudes 2014, respondents allocated almost 60% (59%) of

3 Page three their personal assets to cash/demand or time deposits. Cash deposits are still widely considered by many to be a wealth management tool, as the findings reveal. People who rely on such deposits will miss many opportunities for wealth accumulation in a low interest rate environment. Cash deposits are also highly susceptible to the erosion by inflation. When asked about their returns over the past year, respondents who had financial planning (10.8%) enjoyed about three times the return on investment over the past year than those who did not (3.8%). Key features of AIA s new Bonus Power Plan include: Competitive long-term returns to help customers accumulate wealth In addition to a guaranteed cash value, customers can enjoy potential long-term attractive returns with the non-guaranteed Reversionary Bonus and non-guaranteed Extra Bonus starting from the third Policy Anniversary; Reversionary Bonus customers can accrue the face value of the Reversionary Bonus throughout the duration of the Policy, allowing their Policy value to grow with time. Once declared, the face value of the Reversionary Bonus forms a permanent addition to the Policy; Extra Bonus a non-guaranteed Extra Bonus provides customers with additional growth potential of their assets. Greater flexibility and control in financial planning Customers can choose from two relatively short premium payment periods, i.e. either 5 or 10 years, to enjoy financial flexibility at different stages of life; Customers are allowed to cash out any bonuses or withdraw any cash value 1 by reducing the Face Amount. They may also apply for a Policy loan 2 and borrow up to 90% of the guaranteed cash value and cash value of the Reversionary Bonus to help them meet their needs. Assured peace of mind with optional riders Customers can opt for additional disability insurance series as a rider 3. If the inconceivable ever happens to the Insured or Policyholder, the outstanding premium payment for the Basic Policy will be waived and the Policy will remain in force;

4 Page four In the unfortunate event that the Insured passes away, the Beneficiary will receive 105% of the total premiums paid for his/her basic plan or the guaranteed cash value plus any face values of Reversionary Bonus and Extra Bonus (whichever is higher 4 ). To further ease any potential financial burden that a customer s loved ones may face, this plan also offers Supplementary Accidental Death Benefit 5 within the first Policy Year. To celebrate AIA s 5-year milestone as a listed company, from now til 29 September , customers who successfully apply for a new basic plan of specified products 7 with specific annualised premium will enjoy the following refund offers 8 : Offer 1: Premium refund up to HK$150,000 Offer 2: Extra 5% of annualised premium refund on any application for specially selected products (including Bonus Power Plan ) 9 Moreover, from now till 29 October , customers who successfully apply for a 5-year premium payment period plan of Promotion Product (including Bonus Power Plan ) 11 and pay the full premium payment upon application 12 will enjoy a guaranteed preferential interest rate of 4.0% per annum for USD Policy or 3.5% per annum for HKD Policy for the relevant prepaid premium 13, 14. Case illustration AIA s Bonus Power Plan is specially designed for individuals who wish to gain long-term wealth from relatively short payment periods and do not intend to withdraw cash within a short period. Let s take 35-yearold interior designer Ricky, who is single and wants to start his own business, as an example. He purchases AIA s Bonus Power Plan with an annual premium of US$20, The premium payment period is 5 years. He hopes to reap higher potential returns through time with this savings plan to make his dreams come true. The below case assumes Ricky does not withdraw any cash at previous age stages and chooses to accrue the total cash value in the Policy. When Ricky reaches age 55, the projected total cash value 16 of his Policy is US$280,130, equivalent to approximately 3 times the total premiums paid. At this stage, he may choose to withdraw the total cash value to finance his business or continue to accrue the cash value in his Policy for higher potential returns. At age 65, the projected total cash value 16 of his Policy is US$600,343, equivalent to 6 times the total premiums paid. At this stage, he may choose to surrender the total cash value to travel the world with his beloved and live a worry-free retirement life or continue to accrue the cash value in the Policy. When he reaches the age of 75 and 85, the projected total cash value 16 is US$1,231,892 and US$2,490,481 respectively. This will be equivalent to 12 and 25 times the total premiums paid, respectively.

5 Page five Ms. Bonnie Tse, General Manager, Business Strategy and Marketing of AIA Hong Kong and Macau introduces the three unique features of AIA s brand new Bonus Power Plan : offering competitive long-term potential returns, a premium payment period as short as just five years as well as dual benefits of saving and protection. Important Note: Bonus Power Plan is designed for individuals with long-term savings, rather than short-term gains, as their goal. Customers should not apply for this plan if they intend to surrender the Policy early in the Policy term. Early surrender of the Policy may result in losses in that customers may get back considerably less than premiums paid. The Company seeks to optimise the total non-guaranteed returns of bonuses through more investment in assets and markets of higher volatility (including but not limited to equity and real estate) for this product, subject to investment risks and market fluctuations. The actual Reversionary Bonus and Extra Bonus paid may change with the values being higher or lower than those illustrated. The Company will review the actual experience of the product (including but not limited to investment returns, expenses, claims and terminations) and determine whether the bonuses payable for the year need to be adjusted. Such review shall be performed at least annually and bonuses may be adjusted more frequently than annually upon any changes in economic and other related factors. 1. If customers encash any Reversionary Bonus (whether in whole or in part), its corresponding Extra Bonus (if any) will also be encashed together and the face value of Reversionary Bonus will be reduced accordingly. According to the Company's prevailing rules and regulations, if customers partially surrender the Policy to withdraw part of the cash value of the Policy, the Face Amount of the Policy will be reduced accordingly. Therefore, the subsequent guaranteed cash value, the corresponding face value and cash value of Extra Bonus (if any) and Total Basic Premiums Paid will be reduced according to the reduced Face Amount. Partial surrender will reduce the future value of the Policy. 2. Interest will be charged on any Policy loan from the date when the loan is incurred until it is fully repaid. Interest is calculated at an interest rate solely determined by AIA from time to time. 3. Optional riders are subject to normal underwriting and additional premiums. 4. Death Benefit shall be reduced by any debt in the Policy. 5. If the Insured unfortunately dies due to an Accidental Death within 12 months from the later of the Issue Date or Policy Date of the Policy, a Supplementary Accidental Death Benefit equals to the Total Basic Premiums Paid will be paid in addition to the Death Benefit, which will not exceed the maximum sum of US$100,000 per life, inclusive of all Supplementary Accidental Death Benefit(s) paid and/or payable under all Bonus Power Plan policies issued in respect of the same Insured.

6 Page six 6. The promotion period starts from now to 29 September 2015, both dates inclusive ( Promotion Period ). 7. Specified Products are all insurance new basic plans excluding Single Premium Plan, Premium Refundable Plan, Investment-linked Assurance Scheme and Universal Life plan. 8. For details, terms and conditions of the promotion offer, please refer to the respective promotional leaflets. In the event of any disputes, AIA s decision shall be final and conclusive. 9. Specially selected products refer to Bonus Power Plan, Simply Love Encore 2 and Proactive Insurance Plan. Bonus Power Plan, Simply Love Encore 2 and Proactive Insurance Plan have different dividend and bonus features; please refer to the relevant product brochures for specific features and important notes. 10. The promotion period starts from now till 29 October 2015 (based on application date), both dates inclusive and the Policy should be issued on or before 31 December Promotion Products are Bonus Power Plan or Proactive Insurance Plan or Bonus Power Plan (Enhanced Protection) (available once launch on 25 September 2015) with 5-year premium payment period only. Bonus Power Plan and Proactive Insurance Plan have different dividend and bonus features; please refer to the relevant product brochures for specific features and important notes. 12. The annual premium is a minimum US$100,000 / HK$800,000 or above. Customers should select annual payment mode at the time of policy application (other premium payment modes, such as monthly, quarterly or semi-annually, are not applicable to this promotion), such payment mode cannot be changed on or before the 4th Policy Anniversary. Customers should select 5-year premium payment period upon policy application (other premium payment periods are not applicable to this promotion). 13. The full 5 years premium for the basic plan after deducting first year premium payment (excluding any rider premium) (i.e. Prepaid Premium ) is deposited into Future Premium Deposit Account (FPDA), and this will be used to settle the outstanding premium when due. The remaining balance of FPDA should be at least equal to the outstanding total premium of basic plan for the remaining years, otherwise the guaranteed preferential interest rate does not apply; the Prepaid Premium will then accumulate at the current prevailing interest rate only. If the policy is wholly or partially surrendered on or before the 4th Policy Anniversary, the guaranteed preferential interest rate will not apply; the Prepaid Premium will then accumulate at the current prevailing interest rate only. 14. The preferential interest is based on the Prepaid Premium after deducting the premium due for the basic plan from the date of Policy delivery to the 4th Policy Anniversary. The extra interest (i.e. the difference between preferential interest and the prevailing interest for the corresponding Policy Anniversary) will be credited to the FPDA at the 4th Policy Anniversary. The prevailing interest per year will be credited to the FPDA on the corresponding Policy Anniversary. After the 4th Policy Anniversary, any amount left in the FPDA will accumulate at the prevailing interest rate only, the interest rate is non-guaranteed. AIA reserves the right to change any terms and conditions of this promotion without advance notices. In the event of any disputes, AIA s decision shall be final and conclusive. 15. The above case assumes the Insured is a 35-year-old non-smoking male who takes up the Bonus Power Plan with an annual premium of US$20,000 and premium payment period of 5 years. 16. The total cash value illustrated in this case is hypothetical and not guaranteed. Total cash value means the sum of guaranteed cash value plus non-guaranteed cash values of Reversionary Bonus (if any) and Extra Bonus (if any). The figures in this case are calculated based on current surrender value and bonus scales. The actual Reversionary Bonus and Extra Bonus payable throughout the duration of the Policy can be more or less than the listed value as illustrated. This case also assumes that no cash withdrawal or policy loans are taken throughout the term of the Policy and that all premiums are paid in full when due. The Insured must surrender the Policy at the relevant Policy Anniversary in order to get this amount of money. This Policy will be terminated when all total cash value has been withdrawn. The above information, case illustration and figures are for reference only. For the details of the product features, content and conditions, please refer to the product brochure and the terms & conditions of the Policy contract. # # #

7 Page seven About AIA Hong Kong and AIA Macau AIA Hong Kong and AIA Macau are subsidiaries of AIA Group Limited. AIA Group Limited established its operations in Hong Kong in We have the largest team of financial planners in Hong Kong and Macau*, now over 11,000, as well as an extensive network of brokerage and bancassurance partners who serve more than 1.8 million customers. Our products range from individual life, group life, accident, medical and health, personal lines insurance to investment-linked products with numerous investment options. We are also dedicated to providing superb product solutions to meet the financial needs of high net worth customers. * As of 31 May 2015 About AIA AIA Group Limited and its subsidiaries (collectively AIA or the Group ) comprise the largest independent publicly listed pan-asian life insurance group. It has a presence in 18 markets in Asia-Pacific wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, a 97 per cent subsidiary in Sri Lanka, a 26 per cent joint venture in India and representative offices in Myanmar and Cambodia. The business that is now AIA was first established in Shanghai over 90 years ago. It is a market leader in the Asia-Pacific region (ex-japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$172 billion as of 31 May AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia-Pacific, AIA serves the holders of more than 29 million individual policies and over 16 million participating members of group insurance schemes. AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code 1299 with American Depositary Receipts (Level 1) traded on the over-the-counter market (ticker symbol: AAGIY ). AIA Hong Kong Bentley Communications Limited Ms. Peony Cheng Mr. Kevin Chan

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