Investment-linked Fund Prices

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1 Investment-linked Fund Prices June 2011 Investment-linked fund prices as at the last price available on 31 May This document is to be used in Hong Kong only. Key features and risk Friends Provident International Limited ( FPIL ) issues investment-linked assurance policies, which are insurance policies with benefits linked to the performance of investment options selected by you. The premiums you pay towards the insurance policy will become part of the assets of FPIL and thus your investments are subject to the credit risks of FPIL. You do not have any rights or ownership over any of those assets. Your recourse is against FPIL only. Returns payable under FPIL s investment-linked assurance policies will be determined by FPIL with reference to the performance of the underlying funds/ assets which correspond to the investment options selected by you. Investment involves risks. Performance of the investment-linked funds under FPIL s investment-linked assurance policies may be lower than the performance of the corresponding SFC-authorized funds due to the various charges levied by FPIL. FPIL s investment-linked assurance policies are designed to be held for a medium/ long term period. Early surrender or withdrawal of the policy/ suspension of or reduction in premium may result in a significant loss of principal and/ or bonuses awarded. Poor performance of underlying funds/ assets may further magnify your investment losses, while all charges are still deductible. The investment-linked funds available under FPIL s investment-linked assurance policies can have very different features and risk profiles. Some may be of high risks. Please read the principal brochure and the offering document of the underlying funds involved for details. You should not purchase an investment-linked assurance policy unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. Please do not rely on this material alone. For details, including fees and charges of the policy, please refer to the relevant Principal Brochure. HONG KONG

2 Investment-linked fund information Friends Provident International Limited (FPIL) operates a range of investment-linked funds. The concept is simple: agreements have been set up with investment houses worldwide allowing us to link to specially selected underlying funds chosen on the basis of performance and investment expertise. FPIL has set up its own investment-linked fund which invests solely in such underlying fund, apart from a proportionately small amount which may be held as a cash balance. These investment-linked funds are intended for medium to long-term investment and can only be accessed using FPIL s investment-linked assurance policies. These policies are also intended for medium to long-term investment and are not therefore designed for early surrender (see Policy information on page 11). Substantial surrender charges/penalties will be applied in the event of early surrender. There may also be restrictions on the amount of withdrawals available from a policy and you should refer to the relevant Principal Brochure for more information. A withdrawal charge of up to 7.5% of the bid value of the amount of withdrawal may be applied. Our policyholders invest their premiums into FPIL s investment-linked assurance policies. According to policyholders chosen investment-linked funds, FPIL invests these premiums collectively in the underlying funds. Units are notionally allocated to your policy solely for the purpose of calculating the benefits which we will pay to you. FPIL is the absolute legal and beneficial owner of all the assets which relate to each investment-linked fund. Policyholders have no rights or entitlements to these underlying assets. The price of the FPIL investment-linked fund will be different from the underlying fund, but should move broadly in line with it. The underlying investments of the investment-linked funds are unit trusts authorized by the Hong Kong Securities and Futures Commission. Such authorization does not imply official recommendation. SFC authorization is not a recommendation or endorsement of a unit trust nor does it guarantee the commercial merits of a unit trust or its performance. It does not mean the unit trust is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. Units in the investment-linked funds are normally bought and sold using the bid (selling) price. However, some legacy products do contain a bid/offer spread please refer to the individual product brochures for details. Please note that there are fees for the policy and investment-linked funds that would in turn affect the return on your policy, which may be lower than the return on the underlying funds. Please refer to the corresponding prospectuses of the underlying funds, which will be made available by FPIL s Hong Kong office. These prospectuses will help you to understand the underlying funds, their investment objectives and strategies, the risks that may affect your investment, whether your financial goals are matched, etc. Please do not rely on these documents alone. We recommend that you discuss fully both the suitability of the investment-linked assurance policies and the specific risks associated with your investments within these policies with your Financial Adviser before making any investment decisions. Investment-linked fund prices may go up and down depending upon the underlying investment performance or, where investments held within an investment-linked fund are not denominated in the currency of that investment-linked fund, simply because of movements in currency exchange rates. Where we publish performance information, the figures are quoted net of all annual fund charges. However, past performance should not be viewed as an indication of future performance the value of your investment cannot be guaranteed and you may get back less than you paid in. Valuation frequency and availability of unit prices Valuations are carried out on all business days in the Isle of Man as appropriate for the individual investment-linked fund. Unit prices are issued daily at approximately 5 p.m. (UK time). Please note that some underlying funds do not price on a daily basis any affected investment-linked funds have been clearly marked on pages 9 and 10 of this document. Investment-linked fund price roundings In pricing each investment-linked fund in the FPIL investment-linked fund range, we may reasonably round any calculations by an adjustment of not more than 0.1%. All rounding adjustments accrue to the benefit of the policyholders who invest in that investment-linked fund. The maximum offer price and the minimum bid price are calculated each valuation day. The maximum offer price is rounded up to three decimal places and the minimum bid price is rounded down to three decimal places. Key to the symbols used in this leaflet Where indicated: 3 Investment-linked funds closed for new investments. Investment-linked funds deal on a daily basis except where indicated: 7 Deals weekly. a b The underlying fund of this investment-linked fund is authorized by the Hong Kong Securities and Futures Commission (SFC) under the Code on Unit Trusts and Mutual Funds, but not authorized or regulated under the SFC Code on Real Estate Investment Trusts. Such authorization does not imply official recommendation. Whilst an absolute return fund aims to achieve absolute performance, there may be circumstances under which negative returns could be generated. Investors should therefore not interpret it to mean or imply that an absolute return is guaranteed. Page 2

3 INVESTMENT-LINKED FUND DETAILS DISCRETE ONE YEAR PERFORMANCE AS AT 31 may Sterling performance US Dollar performance Euro performance FPIL investment-linked fund Launch Bid Offer code/name [currency] Date Price Price Asia Pacific P65 Aberdeen Global Asia Pacific Equity 10/ % 36.1% -10.5% 8.2% 13.7%* 28.4% 23.8% -27.6% 8.6% 20.1%* 10.1% 40.9% -19.8% -6.4% 13.2%* J08 Allianz RCM Little Dragons 8/ % 24.1% -15.8% 1.6% 39.9% 33.2% 12.9% -31.9% 1.9% 46.9% 14.2% 28.4% -24.5% -12.1% 40.6% P50 Allianz RCM Oriental Income 3/ % 18.8% -6.6% 7.0% 11.3% 21.0% 8.2% -24.5% 7.4% 16.9% 3.7% 23.0% -16.3% -7.4% 11.9% R44 Allianz RCM Total Return 10/ % 30.5% -12.9% -29.1%* N/A 38.8% 18.7% -29.6% -30.3%* N/A 19.0% 35.1% -21.9% -36.7%* N/A Asian Equity R17 Amundi ASEAN New Markets 5/ % 35.4% -30.0% -13.5% 0.2%* 38.2% 23.2% -43.4% -13.2% -0.9%* 18.4% 40.1% -37.2% -25.2% 0.5%* J03 Baring Asia Growth 8/ % 17.7% -17.8% 8.6% 33.8% 32.5% 7.1% -33.5% 8.9% 40.5% 13.6% 21.8% -26.3% -6.1% 34.5% R30 First State Asian Equity Plus 10/ % 28.7% -4.5% -4.5%* N/A 28.7% 17.1% -22.8% -6.1%* N/A 10.4% 33.2% -14.4% -14.7%* N/A J02 Invesco Asian Equity 8/ % 30.1% -15.0% 9.9% 23.2% 31.5% 18.4% -31.2% 10.3% 29.4% 12.8% 34.7% -23.8% -4.9% 23.9% R08 JF ASEAN 4/ % 44.6% -25.5% 4.5% 3.9%* 36.7% 31.6% -39.8% 4.9% 4.8%* 17.2% 49.7% -33.2% -9.6% 3.8%* J34 JF Eastern 10/ % 25.9% -16.1% 6.9% 31.6% 35.7% 14.6% -32.1% 7.2% 38.2% 16.3% 30.3% -24.8% -7.6% 32.2% P66 JF Eastern Smaller Companies 10/ % 32.6% -12.3% -13.4% 28.6%* 24.9% 20.7% -29.1% -13.2% 35.9%* 7.0% 37.3% -21.4% -25.1% 28.1%* J32 JF Pacific Securities 4/ % 25.9% -8.4% 9.8% 8.3% 22.5% 14.6% -25.9% 10.1% 13.7% 5.0% 30.4% -17.9% -5.1% 8.8% P95 Martin Currie GF Asia-Pacific (EUR) 3/ % 18.8% -20.3% 10.0% 7.8%* 31.9% 7.8% -35.7% 10.0% 8.3%* 13.7% 23.3% -28.4% -4.7% 7.1%* [Euro] P94 Martin Currie GF Asia-Pacific (USD) 3/ % 20.4% -24.1% 10.3% 7.3%* 31.5% 9.5% -38.6% 10.6% 8.1%* 12.7% 24.6% -32.0% -4.6% 6.3%* P40 Value Partners High Dividend Stocks 7 5/ % 48.5% 1.6% 2.0% 34.4% 24.6% 35.1% -17.8% 2.3% 41.1% 6.8% 53.7% -8.9% -11.8% 35.0% Asia Pacific Single Country P33 Aberdeen Global Chinese Equity 3/ % 28.7% -9.6% 18.1% 26.4% 30.1% 17.1% -26.9% 18.5% 32.7% 11.6% 33.2% -19.0% 2.2% 27.0% M56 Baring Australia 4/ % 40.0% -35.1% 25.0% 22.0% 40.7% 27.4% -47.5% 25.4% 28.1% 20.6% 44.9% -41.9% 8.1% 22.6% M55 Baring Hong Kong & China 4/ % 21.5% -6.1% 13.9% 61.2% 18.5% 10.6% -24.1% 14.2% 69.2% 1.6% 25.8% -15.8% -1.5% 62.0% J46 Baring Korea Feeder 7/ % 32.5% -33.0% -5.5% 23.9% 49.9% 20.5% -45.8% -5.2% 30.1% 28.5% 37.1% -39.9% -18.3% 24.5% P96 BNP Paribas Equity China 4/ % 17.0% -13.0% 23.0% 1.9%* 17.4% 6.5% -29.6% 23.4% 2.8%* 0.6% 21.1% -22.0% 6.4% 1.8%* Source: Friends Provident International Limited. Performance on an offer to offer basis over 1 year periods for the last 5 years. Performance marked * does not represent a full year performance in that year. It is the performance since launch to the performance year ended date. Page 3

4 INVESTMENT-LINKED FUND DETAILS DISCRETE ONE YEAR PERFORMANCE AS AT 31 may Sterling performance US Dollar performance Euro performance FPIL investment-linked fund Launch Bid Offer code/name [currency] Date Price Price Asia Pacific Single Country (continued) R51 First State China Growth 3/ % 39.7% -5.4% 12.2%* N/A 20.7% 27.1% -23.5% 11.7%* N/A 3.5% 44.6% -15.2% 8.8%* N/A R31 First State Greater China Growth 10/ % 28.1% -5.8% -9.0%* N/A 27.0% 16.6% -23.8% -10.5%* N/A 8.9% 32.6% -15.5% -18.7%* N/A J55 HSBC Chinese Equity 1/ % 17.2% -10.2% 17.0% 46.3% 17.3% 6.7% -27.4% 17.4% 53.6% 0.5% 21.3% -19.5% 1.2% 47.1% J56 HSBC Hong Kong Equity 1/ % 21.5% -9.0% 13.6% 28.1% 20.9% 10.6% -26.4% 13.9% 34.5% 3.7% 25.8% -18.4% -1.8% 28.7% R09 JF Taiwan 4/ % 7.1% -12.7% 7.3% 3.0%* 44.3% -2.5% -29.4% 7.6% 3.9%* 23.7% 10.9% -21.8% -7.2% 2.9%* J47 JF Thailand 7/ % 62.3% -24.6% 30.4% 17.1% 60.3% 47.7% -39.0% 30.8% 23.0% 37.4% 68.1% -32.4% 12.8% 17.7% Deposit M66 Investec GS U.S. Dollar Money 2/ % 8.7% 23.7% 2.8% -1.4% -1.0% -1.1% 0.0% 3.1% 3.5% -15.1% 12.5% 10.9% -11.1% -0.9% M65 Investec GS Sterling Money 2/ % -1.1% 1.9% 4.0% 3.3% 12.3% -10.4% -18.0% 3.8% 7.9% -3.4% 2.2% -8.9% -10.3% 3.6% [Sterling] J42 JPMorgan USD 2/ % 8.6% 24.2% 2.6% -1.1% -1.2% -1.1% 0.5% 3.0% 3.8% -15.3% 12.5% 11.3% -11.2% -0.6% Emerging Markets R11 Aberdeen Global Emerging 4/ % 65.6% -12.5% 0.2% 2.3%* 34.1% 50.7% -29.2% 0.5% 3.2%* 14.9% 71.4% -21.6% -13.4% 2.2%* Markets Smaller Cos P54 Aberdeen Global Indian Equity 3/ % 53.9% -7.6% 3.3% 34.9% 20.9% 40.1% -25.2% 3.7% 41.6% 3.7% 59.4% -17.1% -10.6% 35.5% R62 Allianz RCM BRIC Equity 3/ % 26.1% -38.4% 16.0%* N/A 19.8% 14.8% -50.2% 15.5%* N/A 2.7% 30.6% -44.8% 12.5%* N/A J48 Allianz RCM Emerging Asia 7/ % 55.0% -12.1% -34.3% 76.7% 35.7% 41.1% -28.9% -34.1% 85.5% 16.4% 60.5% -21.2% -43.2% 77.6% J38 Invesco Emerging Markets Equity 10/ % 29.8% -25.9% 20.3% 22.7% 23.7% 18.1% -40.0% 20.7% 28.8% 6.0% 34.3% -33.6% 4.0% 23.3% J30 JF India 12/ % 35.0% -5.6% 2.1% 37.1% 15.8% 22.9% -23.6% 2.4% 43.9% -0.7% 39.8% -15.4% -11.7% 37.7% P89 Parvest Equity Brazil 4/ % 36.2% -32.8% 48.7% 8.8%* 22.3% 24.0% -45.7% 49.1% 9.7%* 4.9% 41.0% -39.8% 28.6% 8.6%* J37 Schroder Latin American 10/ % 36.0% -33.2% 25.9% 46.2% 23.5% 23.7% -45.9% 26.3% 53.5% 5.9% 40.8% -40.1% 8.9% 47.0% R52 Schroder Middle East 3/ % 23.0% -34.1% 5.7%* N/A 16.4% 11.9% -46.7% 5.2%* N/A -0.2% 27.3% -40.9% 2.5%* N/A P58 Templeton BRIC 7/ % 28.7% -28.4% 27.5% 23.0% 20.1% 17.1% -42.1% 27.9% 29.2% 2.9% 33.2% -35.8% 10.3% 23.7% J60 Templeton Emerging Markets 2/ % 30.3% -21.0% 7.0% 22.3% 26.2% 18.6% -36.1% 7.3% 28.5% 8.1% 34.9% -29.2% -7.5% 23.0% P52 Templeton Latin America 3/ % 41.7% -25.9% 31.8% 61.2% 19.8% 29.0% -40.1% 32.2% 69.3% 2.7% 46.7% -33.6% 14.0% 62.1% Source: Friends Provident International Limited. Performance on an offer to offer basis over 1 year periods for the last 5 years. Performance marked * does not represent a full year performance in that year. It is the performance since launch to the performance year ended date. Page 4

5 INVESTMENT-LINKED FUND DETAILS DISCRETE ONE YEAR PERFORMANCE AS AT 31 may Sterling performance US Dollar performance Euro performance FPIL investment-linked fund Launch Bid Offer code/name [currency] Date Price Price Europe P48 Baring Eastern Europe 12/ % 41.7% -46.4% 31.5% 25.3% 23.2% 28.9% -56.6% 32.0% 31.6% 5.6% 46.6% -51.9% 13.8% 26.0% J84 Fidelity Euro Blue Chip [Euro] 2/ % 11.0% -31.1% 3.1% 22.5% 34.2% 0.8% -44.4% 3.1% 28.3% 15.7% 15.2% -38.1% -10.6% 23.4% P51 Franklin Mutual European [Euro] 3/ % 14.4% -24.0% 0.5% 24.8% 28.6% 3.8% -38.7% 0.5% 30.7% 10.8% 18.7% -31.7% -12.9% 25.7% J36 Investec GS Continental 10/ % 18.5% -34.5% -5.6% 20.9% 38.5% 7.8% -47.0% -5.3% 27.0% 18.7% 22.6% -41.3% -18.4% 21.5% European Equity J76 Principal European Equity 3/ % 12.0% -31.3% -1.9% 21.7% 39.8% 1.9% -44.5% -1.6% 27.8% 19.9% 15.9% -38.5% -15.2% 22.3% Global Equity M87 Invesco Global Small Cap Equity 4/ % 40.3% -20.4% -10.8% 23.6% 34.7% 27.7% -35.6% -10.6% 29.8% 15.4% 45.2% -28.7% -22.9% 24.3% J06 Investec GS Global Equity 8/ % 25.5% -24.7% -8.7% 17.1% 25.0% 14.3% -39.1% -8.5% 22.9% 7.2% 30.0% -32.5% -21.1% 17.6% J74 Investec GS Global Strategic Equity 8/ % 27.8% -27.4% -9.6% 14.2% 23.5% 16.3% -41.3% -9.3% 20.0% 5.8% 32.3% -34.9% -21.8% 14.8% R22 M&G Global Basics 5/ % 36.6% -34.9% 18.5% 1.5%* 35.3% 24.3% -47.3% 18.9% 0.4%* 16.0% 41.4% -41.6% 2.5% 1.8%* R23 M&G Global Leaders 5/ % 24.2% -28.7% -5.3% 0.4%* 20.8% 13.1% -42.3% -5.0% -0.7%* 3.6% 28.6% -36.1% -18.1% 0.7%* J75 Principal Global Equity 3/ % 19.3% -27.6% -5.1% 13.2% 21.7% 8.5% -41.4% -4.8% 18.8% 4.3% 23.5% -35.1% -17.9% 13.8% R33 Schroder Global Equity Yield (EUR) 10/ % 17.3% -18.0% -8.9%* N/A 30.3% 6.5% -33.9% -11.1%* N/A 12.2% 21.7% -26.4% -18.8%* N/A [Euro] R32 Schroder Global Equity Yield (USD) 10/ % 18.1% -18.8% -10.6%* N/A 31.5% 7.5% -34.4% -12.1%* N/A 12.7% 22.2% -27.2% -20.2%* N/A J72 Templeton Global 8/ % 24.4% -24.1% -10.4% 20.9% 25.4% 13.2% -38.6% -10.1% 27.0% 7.5% 28.8% -32.0% -22.5% 21.5% International Bond J27 Baring High Yield Bond 10/ % 35.7% 4.2% -2.4% 4.7% 17.8% 23.5% -15.7% -2.1% 10.0% 1.0% 40.5% -6.6% -15.6% 5.3% P87 Baring International Bond (EUR) 3/ % 17.3% 15.0% 10.1% -5.2%* 13.7% 6.5% -7.2% 10.2% -4.7%* -2.0% 21.7% 3.3% -4.6% -5.8%* [Euro] M57 Baring International Bond (USD) 4/ % 19.4% 15.3% 15.6% -8.0% 13.7% 8.7% -6.8% 16.0% -3.4% -2.5% 23.6% 3.3% 0.0% -7.6% P97 BNP Paribas Bond Best Selection 4/ % 30.1% -14.4% -5.9% -3.3%* 18.6% 18.4% -30.8% -5.6% -2.5%* 1.6% 34.6% -23.3% -18.7% -3.4%* World Emerging J87 Fidelity Euro Bond [Euro] 6/ % 15.9% 5.3% 9.9% -1.4% 15.3% 5.2% -15.1% 10.0% 3.2% -0.7% 20.3% -5.4% -4.7% -0.7% M84 Franklin US Government 10/ % 15.2% 27.8% 4.4% -0.7% 3.6% 4.8% 3.4% 4.7% 4.3% -11.2% 19.3% 14.6% -9.7% -0.2% Source: Friends Provident International Limited. Performance on an offer to offer basis over 1 year periods for the last 5 years. Performance marked * does not represent a full year performance in that year. It is the performance since launch to the performance year ended date. Page 5

6 INVESTMENT-LINKED FUND DETAILS DISCRETE ONE YEAR PERFORMANCE AS AT 31 may Sterling performance US Dollar performance Euro performance FPIL investment-linked fund Launch Bid Offer code/name [currency] Date Price Price International Bond (continued) J01 Invesco Bond 8/ % 14.1% 21.2% 12.2% -5.0% 10.6% 3.9% -2.0% 12.5% -0.2% -5.2% 18.2% 8.6% -3.0% -4.5% P74 Invesco Euro Corporate Bond [Euro] 3/ % 11.2% 14.7% 14.6% -0.3%* 23.9% 0.9% -7.5% 14.7% 0.1%* 6.8% 15.4% 3.0% -0.6% -1.0%* J43 Investec GS Global Strategic Income 2/ % 23.0% 13.3% 5.4% 2.0% 13.4% 12.0% -8.4% 5.8% 7.1% -2.8% 27.4% 1.5% -8.8% 2.5% P88 Mellon Global Bond (EUR) [Euro] 3/ % 14.1% 21.3% 10.0% -0.7%* 10.8% 3.6% -2.1% 10.0% -0.3%* -4.5% 18.4% 9.0% -4.7% -1.4%* P67 Mellon Global Bond (USD) 10/ % 15.5% 20.2% 10.4% -1.1%* 10.7% 5.2% -2.8% 10.7% 4.5%* -5.1% 19.6% 7.8% -4.6% -1.5%* M83 Schroder Asian Bond Absolute 10/ % 19.8% 7.5% 5.6% 3.1% 1.7% 9.0% -13.1% 6.0% 8.2% -12.8% 24.0% -3.6% -8.6% 3.6% Return b P91 Schroder Global Corporate 3/ % 11.5% 13.5% 10.6% 0.1%* 21.4% 1.2% -8.4% 10.7% 0.5%* 4.6% 15.7% 2.0% -4.1% -0.6%* Bond (EUR) [Euro] P90 Schroder Global Corporate 3/ % 26.8% 25.3% -4.1% -1.0%* 4.3% 15.4% 1.4% -3.8% -0.3%* -10.6% 31.3% 12.3% -17.1% -1.9%* Bond (USD) P93 Schroder Strategic Bond (EUR) 3/ % 0.1% 13.4% 13.4% 2.1%* 26.6% -9.1% -8.5% 13.5% 2.6%* 9.1% 3.9% 1.9% -1.7% 1.4%* [Euro] P92 Schroder Strategic Bond (USD) 3/ % 13.9% 25.2% -1.5% 1.0%* 9.2% 3.6% 1.3% -1.2% 1.7%* -6.4% 17.9% 12.3% -14.8% 0.0%* Japan R63 Allianz RCM Japan 3/ % 18.3% -18.7% 8.0%* N/A 7.2% 7.6% -34.2% 7.5%* N/A -8.1% 22.4% -27.1% 4.7%* N/A P56 BlackRock Japan Opportunities 3/ % 26.7% -7.4% -24.4% -23.5% 11.8% 15.3% -25.1% -24.1% -19.6% -4.1% 31.2% -17.0% -34.6% -23.1% J93 GAM Japan 12/ % 11.8% -14.8% -13.4% -4.9% -2.3% 1.8% -31.1% -13.2% -0.1% -16.2% 15.8% -23.6% -25.1% -4.4% J71 Schroder Japanese Large Cap 8/ % 18.3% -17.2% -6.5% -12.6% 9.7% 7.7% -33.0% -6.2% -8.2% -5.9% 22.5% -25.8% -19.1% -12.1% North America J77 BlackRock US Flexible Equity 3/ % 31.3% -17.5% -11.4% 10.9% 18.8% 19.5% -33.2% -11.1% 16.5% 1.8% 35.9% -26.0% -23.3% 11.5% J39 Schroder US Smaller Companies 11/ % 34.3% -17.4% -2.2% 11.0% 21.9% 22.2% -33.2% -1.9% 16.6% 4.5% 39.0% -26.0% -15.4% 11.6% Property P79 Fidelity Global Property (EUR) a 3/ % 44.1% -35.7% -17.1% 0.3%* 27.1% 30.8% -48.1% -17.0% 0.7%* 9.5% 49.5% -42.2% -28.1% -0.4%* [Euro] P78 Fidelity Global Property (USD) a 3/ % 45.5% -35.8% -17.1% -1.4%* 26.8% 32.4% -48.1% -16.8% -0.7%* 8.7% 50.6% -42.4% -28.3% -2.3%* P61 Henderson Horizon Asia-Pacific 4/ % 24.9% -15.0% -14.3% 27.8% 20.8% 13.7% -31.3% -14.1% 34.2% 3.6% 29.3% -23.8% -25.9% 28.5% Property Equities a Source: Friends Provident International Limited. Performance on an offer to offer basis over 1 year periods for the last 5 years. Performance marked * does not represent a full year performance in that year. It is the performance since launch to the performance year ended date. Page 6

7 INVESTMENT-LINKED FUND DETAILS DISCRETE ONE YEAR PERFORMANCE AS AT 31 may Sterling performance US Dollar performance Euro performance FPIL investment-linked fund Launch Bid Offer code/name [currency] Date Price Price Property (continued) P83 Schroder Global Property 3/ % 15.3% -31.3% -14.6% 2.0%* 50.8% 4.7% -44.6% -14.5% 2.5%* 30.0% 19.7% -38.3% -26.0% 1.3%* Securities (EUR) a [Euro] P82 Schroder Global Property 3/ % 32.5% -29.7% -20.6% 1.2%* 31.4% 20.6% -43.1% -20.3% 1.9%* 12.7% 37.1% -36.9% -31.3% 0.2%* Securities (USD) a Specialist S198 Man AHL Diversified Futures Ltd 7 12/ % 4.7% 19.8% 26.6% -0.9% -0.4% -4.7% -3.1% 27.0% 4.0% -14.6% 8.4% 7.4% 9.5% -0.4% Theme J96 Aberdeen Global Technology 3/ % 33.1% -16.0% 2.1% 13.5% 32.0% 21.1% -32.1% 2.4% 19.2% 13.1% 37.8% -24.7% -11.7% 14.1% P98 Amundi Aqua Global 4/ % 17.7% -18.8% -2.9% 2.1%* 22.7% 7.1% -34.3% -2.6% 3.0%* 5.2% 21.9% -27.2% -16.1% 2.0%* P69 BlackRock New Energy 10/ % -8.5% -32.4% 17.8% 24.7%* 10.6% -16.7% -45.3% 18.1% 31.8%* -5.2% -5.2% -39.4% 1.8% 24.2%* M82 BlackRock World Gold 10/ % 25.4% -0.4% 40.3% -3.8% 24.7% 14.1% -19.5% 40.8% 1.0% 6.9% 29.8% -10.8% 21.4% -3.3% P70 BlackRock World Mining 10/ % 39.1% -45.9% 46.2% 29.1%* 39.1% 26.6% -56.3% 46.6% 36.4%* 19.2% 44.0% -51.5% 26.4% 28.5%* R12 DWS Global Agribusiness 4/ % 26.3% -26.7% 16.3% 2.8%* 39.2% 14.9% -40.7% 16.7% 3.7%* 19.3% 30.7% -34.3% 0.6% 2.7%* J97 Fidelity Global Telecommunications 3/ % 16.7% -20.1% 1.2% 37.8% 34.1% 6.0% -35.5% 1.3% 44.3% 15.5% 21.2% -28.2% -12.3% 38.8% [Euro] R25 Invesco Asia Infrastructure 5/ % 17.1% -19.6% 10.9% 1.5%* 33.2% 6.6% -35.0% 11.3% 0.4%* 14.2% 21.3% -28.0% -4.1% 1.8%* J57 Invesco Global Health Care 1/ % 20.0% -4.0% -5.8% 8.3% 26.9% 9.2% -22.3% -5.5% 13.8% 8.8% 24.3% -13.9% -18.5% 8.9% J58 Invesco Global Technology 1/ % 36.7% -20.2% -6.3% 2.1% 29.1% 24.4% -35.5% -6.0% 7.2% 10.7% 41.5% -28.5% -18.9% 2.6% P47 Investec GS Global Energy 12/ % 13.6% -24.3% 24.7% 10.8% 30.5% 3.4% -38.8% 25.1% 16.4% 11.9% 17.6% -32.1% 7.8% 11.4% J95 JF Pacific Technology 3/ % 30.2% -13.4% 8.3% 10.1% 15.8% 18.5% -29.9% 8.6% 15.6% -0.8% 34.8% -22.4% -6.4% 10.6% P60 Martin Currie GF Global Resources 4/ % 18.4% -30.6% 26.5% 35.6% 33.1% 7.7% -43.9% 26.9% 42.4% 14.1% 22.5% -37.8% 9.4% 36.3% R35 Schroder Agriculture 3 10/ % -3.1% -4.0% 13.2%* N/A 45.5% -11.8% -22.4% 11.3%* N/A 24.8% 0.3% -14.0% 1.1%* N/A R34 Schroder Global Climate 10/ % 15.5% -20.1% 1.2%* N/A 24.3% 5.1% -35.4% -0.5%* N/A 6.5% 19.6% -28.4% -9.6%* N/A UK Change Equity J73 Invesco UK Equity 8/ % 14.4% -24.8% -19.7% 18.8% 38.2% 4.1% -39.2% -19.4% 24.7% 18.5% 18.4% -32.6% -30.5% 19.4% Source: Friends Provident International Limited. Performance on an offer to offer basis over 1 year periods for the last 5 years. Performance marked * does not represent a full year performance in that year. It is the performance since launch to the performance year ended date. Page 7

8 Risk Factors Investment involves risk and each investment-linked fund will involve its own individual level of risk: Eq Li FI B Where an underlying fund invests in equities, it entails risk, as individual stock prices can move up and down more dramatically than other forms of investment. Shares, when sold, may be worth less than their original cost and you may get back less than you paid in. Some underlying funds invest in asset classes that are considered illiquid, in that sometimes they may not be so easy to sell. It should be recognised that an investment in an investment-linked fund of this type may have liquidity constraints that may lead to delays in the sale of investment-linked fund units. Where an underlying fund invests in fixed interest securities the value can go up and down as interest rates change. For example, if interest rates rise, the value is likely to fall. Some underlying funds invest in company bonds. High yielding bonds are usually lower grade. These carry an increased risk to both the income and capital value of the investment-linked fund for example, if the company issuing the bond has financial difficulties and stops trading. Com Some underlying funds invest in commodity markets and investment values can move up and down sharply depending on levels of speculation and supply and demand. EM D Where an underlying fund invests in emerging markets, investment values can move sharply down or up. These markets tend not to be so well regulated as developed markets and political unrest is more likely. Many underlying funds can now use derivative instruments as an investment tool. A derivatives instrument normally is a contract between two or more parties and, used in underlying funds, derives its value based on the value of an underlying asset at a particular point in time. The main types of derivatives are futures, forwards, options and swaps, with these instruments generally being used to hedge (reduce) risk, but can also be used for speculative purposes (at increased risk). Losses can be greater than the money put into these instruments. Guide to the Risk/Reward Profile of FPIL s investment-linked funds on pages 9 and 10 The Risk/Reward Profile is determined by FPIL from information provided by the underlying fund houses and is based on the following characteristics of the underlying fund: volatility; asset type; and geographical region. The information given in the Risk/Reward Profile is for reference only and the Hong Kong Securities and Futures Commission has not assessed or approved it, nor has it verified the accuracy of such information. Grade 1: Investment-linked funds offering conservative return similar to money market rates. The underlying funds that these investment-linked funds invest in may be exposed to the following risk factors: FI, D. Grade 2: Low-risk investment-linked funds offering security and potential growth. The underlying funds that these investment-linked funds invest in may be exposed to the following risk factors: FI, B, D. Grade 3: Grade 4: Grade 5: These investment-linked funds take a balanced approach to investment by holding a diverse portfolio of assets. The underlying funds that these investment-linked funds invest in may be exposed to the following risk factors: Eq, FI, B, D. A more focused asset exposure provides good growth potential with the risk of short-term volatility. The underlying funds that these investment-linked funds invest in may be exposed to the following risk factors: Eq, Li, FI, B, Com, EM, D. These aggressive investment-linked funds balance the risk of high volatility with the potential for high capital growth. The underlying funds that these investment-linked funds invest in may be exposed to the following risk factors: Eq, Li, FI, B, Com, EM, D. Page 8

9 Investment-linked Funds: Risk/Reward Profile Grade 1 Investec GS Sterling Money Investec GS US Dollar Money JPMorgan USD Grade 2 Baring International Bond (EUR) Invesco Euro Corporate Bond Schroder Global Corporate Bond (USD) Baring International Bond (USD) Investec GS Global Strategic Income Schroder Strategic Bond (EUR) Fidelity Euro Bond Mellon Global Bond (EUR) Schroder Strategic Bond (USD) Franklin US Government Mellon Global Bond (USD) Invesco Bond Schroder Global Corporate Bond (EUR) Grade 3 Allianz RCM Oriental Income Investec GS Global Equity Principal Global Equity Baring High Yield Bond Schroder Asian Bond Absolute Return b Templeton Global Grade 4 Aberdeen Global Asia Pacific Equity BNP Paribas Bond Best Selection World Emerging Invesco Global Health Care Martin Currie GF Global Resources Aberdeen Global Chinese Equity Fidelity Euro Blue Chip Invesco Global Small Cap Equity Principal European Equity Aberdeen Global Technology Fidelity Global Property (EUR) a Invesco Global Technology Schroder Global Climate Change Equity Allianz RCM Japan Fidelity Global Property (USD) a Invesco UK Equity Schroder Global Equity Yield (EUR) Allianz RCM Little Dragons Fidelity Global Telecommunications Investec GS Continental European Equity Schroder Global Equity Yield (USD) Allianz RCM Total Return Asian Equity First State Asian Equity Plus Investec GS Global Energy Schroder Global Property Securities (EUR) a Amundi Aqua Global First State Greater China Growth Investec GS Global Strategic Equity Schroder Global Property Securities (USD) a Baring Asia Growth Franklin Mutual European JF Eastern Schroder Japanese Large Cap Baring Australia GAM Japan JF Pacific Securities Schroder US Smaller Companies Baring Hong Kong & China Henderson Horizon Asia-Pacific Property Equities a M&G Global Basics Value Partners High-Dividend Stocks 7 BlackRock Japan Opportunities HSBC Hong Kong Equity M&G Global Leaders BlackRock US Flexible Equity Invesco Asian Equity Martin Currie GF Asia-Pacific (EUR) BlackRock World Gold Invesco Asia Infrastructure Martin Currie GF Asia-Pacific (USD) Continued on page 10 Page 9

10 Investment-linked Funds: Risk/Reward Profile (continued) Grade 5 Aberdeen Global Emerging Markets Smaller Companies Aberdeen Global Indian Equity Allianz RCM BRIC Equity Allianz RCM Emerging Asia Amundi ASEAN New Markets Baring Eastern Europe Baring Korea Feeder BlackRock New Energy BlackRock World Mining BNP Paribas Equity China DWS Global Agribusiness First State China Growth HSBC Chinese Equity Invesco Emerging Markets Equity JF ASEAN JF Eastern Smaller Companies JF India JF Pacific Technology JF Taiwan JF Thailand Man AHL Diversified Futures Ltd 7 Parvest Equity Brazil Schroder Agriculture 3 Schroder Latin American Schroder Middle East Templeton BRIC Templeton Emerging Markets Templeton Latin America Page 10

11 Cautionary notes Policy information The documentation of Friends Provident International Limited s (FPIL) investment-linked assurance policies has been authorized by the Hong Kong Securities and Futures Commission pursuant to Section 105(1) of the Securities and Futures Ordinance. Such authorization does not imply official recommendation. SFC authorization is not a recommendation or endorsement of an investment-linked assurance policy nor does it guarantee the commercial merits of an investment-linked assurance policy or its performance. It does not mean the investment-linked assurance policy is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors. Each policy is governed by and shall be construed in accordance with the law of the Isle of Man. However, this will not preclude the right to bring legal action in a Hong Kong court. Illustration of Surrender Value Applicants will be required to sign an illustration document as part of the application for a policy. This document includes a table of figures which shows the impact of fees and charges on the policy and their effect on surrender values. The figures are based on certain assumptions as stated in the document. FPIL s investment-linked assurance policies are intended for medium to long-term investment and are not therefore designed for early surrender. If you do surrender early, a discontinuance charge will be applied. Early termination of your policy may result in significant investment loss. If you have invested in an FPIL Reserve, or a similar personalised bond from FPIL, and include these investment-linked funds in your portfolio of assets, please be aware that the Administration Charge of, currently, 1.2% of the bid value of each investment-linked fund each year, will be applied. This Charge is debited directly to the investment-linked fund on each valuation day. Investment-linked assurance policies may not be suitable for everyone. We recommend that you read the Principal Brochure and all associated documents carefully and discuss fully both the suitability of these investment-linked assurance policies and the specific risks associated with your chosen investments within these policies with your Financial Adviser before making any investment decisions. Policyholder protection To ensure the protection of policyholders interests the Isle of Man Insurance and Pensions Authority (the regulator) has put in place a number of statutory measures: Ring fencing of assets in accordance with the Insurance Act 2008 (the Act) FPIL keeps policyholders premiums received in a special long-term business fund, which can only be used to meet the claims and long-term liabilities of policyholders. FPIL also holds funds in excess of its long-term liabilities, and submits independently audited annual solvency reports to the regulator, in accordance with the Act. A policyholder compensation fund in the event that the above measures fail, and the insurer is unable to meet its liabilities, all policyholders will receive the protection of the Life Assurance (Compensation of Policyholders) Regulations 1991 of the Isle of Man, wherever their place of residence. The Regulations ensure that in the unlikely event of FPIL becoming insolvent, a levy would be made against all other Isle of Man resident life assurance companies so that up to 90% of our liabilities to eligible policyholders would be met (without any upper monetary limit). Please note that notwithstanding such Isle of Man regulations, there is no guarantee that you may get back up to 90% of the premium paid or the prevailing value of your policy. The final value you receive (if any) may be substantially less than the total premium paid or the prevailing value of your policy. Investors should be aware that specific investor protection and compensation schemes that may exist in relation to collective investments and deposits accounts are unlikely to apply in the event of failure of such an investment held within investment-linked assurance policies. Complaints we cannot settle can be referred to the Financial Services Ombudsman Scheme for the Isle of Man. Please note that some telephone communications with FPIL are monitored and may be randomly interrupted. Copyright 2011 Friends Provident International Limited. All rights reserved. Page 11

12 Friends Provident International Limited Registered & Head Office: Royal Court, Castletown, Isle of Man, British Isles, IM9 1RA Telephone: +44(0) Fax: +44(0) Incorporated company limited by shares Registered in the Isle of Man No Authorised by the Isle of Man Insurance & Pensions Authority Provider of life assurance and investment products The appointed representative of the Company in Hong Kong is Friends Provident International Limited s branch office: Friends Provident International Limited Suites , Two Pacific Place, 88 Queensway, Hong Kong Telephone: Fax: Website: Authorised by the Office of the Commissioner of Insurance to conduct long-term insurance business in Hong Kong

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