FLEXIBILITY TO ADJUST TO YOUR CHANGING NEEDS

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4 AXA Optimus is designed to be effi ciently rewarding and remarkably straightforward. With a generous Start-up Bonus, this investment-linked insurance plan gives you an edge when it comes to growing your finances. It also comes with an achievable break-even yield so you can start reaping the returns early. Finally, its transparent nature allows you to enjoy the fl exibility of managing your funds to suit your changing needs. START-UP BONUS 1 Achieve your investment goals faster with free bonus units of up to 180% in your first year. FUNDS Wide range of investment choices exclusive to AXA clients allow you to build an impactful portfolio. FLEXIBILITY TO ADJUST TO YOUR CHANGING NEEDS 1 Unlimited free fund switches 4 to suit your risk appetite. 2 Freedom to accelerate your investment with the flexibility of topping up your investment anytime. 3 Option to select between SGD or USD, whichever works in your favour. 4 Premium Payment Term of Years to suit investors with medium to long-term investment horizons. A longer time horizon may potentially result in higher returns. ACHIEVABLE BREAK-EVEN YIELD 2 The table below illustrates the level of annual fund growth required in order for you to start reaping the returns. Monthly Premium (SGD) 800 1,500 3,000 5, years 1.70% 1.64% 1.61% 1.60% 20 years 1.60% 1.56% 1.54% 1.53% 25 years 1.55% 1.51% 1.49% 1.49% 30 years 1.52% 1.49% 1.48% 1.47% In a nutshell, if you invest SGD 800 a month for a Premium Payment Term of 30 years, your investment only needs to grow by more than 1.52% a year to cover the Account Maintenance Fee, Investment Management Fee and Administrative Fee in order for you to reap returns on your investment. REGULAR WITHDRAWAL OPTION 5 With this facility, you can enjoy the fruits of your investment and supplement your retirement income or invest in a hobby. Example Dan invests SGD 1,500 a month for a Premium Payment Term of 30 years. His investment receives an immediate boost from the Start-up Bonus amounting to SGD 32,400. At the end of the term, he withdraws a sum of money regularly from his policy to fund his retirement interest. Over this period, the insurance coverage remains intact for as long as the policy is in-force. Account Value CHOOSE YOUR INSURANCE COVERAGE Basic: 101% of Account Value Enhanced: The higher of 101% of Account Value, or Total Premiums paid, minus withdrawals. Start-up Bonus boosts your investments Last premium contribution Account Value 30 years Premium Payment Term INVOLUNTARY UNEMPLOYMENT BENEFIT 3 During Premium Payment Term, in the event of retrenchment or a redundancy situation, receive up to SGD 9,000 per policy and rest assured that your investment goals do not get disrupted. Age Withdrawals... Diagram is not drawn to scale and is not refl ective of all market conditions. Depending on conditions of the market and the level of withdrawals, Account Value may drop to zero before age 99.

5 PRODUCT OVERVIEW Entry Age Coverage Period Premium Payment Options Premium Payment Term Life Assured: 1 month old up to 60 Age Nearest Birthday ( ANB ) Policy owner: ANB Premium Payment Term + issue age cannot exceed 75 years Whole of life (till age 99), for as long as the policy is in-force Annual: min. SGD 9,600 / USD 6,720 Semi-Annual: min. SGD 4,800 / USD 3,360 Quarterly: min. SGD 2,400 / USD 1,680 Monthly: min. SGD 800 / USD years Recurring Single Premium Min. SGD 100 / USD 100 per month, in multiples of SGD 100 / USD 100 Top Ups Min. SGD 5,000 / USD 5,000, in multiples of SGD 100 / USD 100 Premium Flexibility Reduction of Regular Premium allowed at any time from the 37 th month onwards 6 Partial Withdrawal Min. SGD 1,000 / USD 500 per withdrawal 7 KEY CHARGES Account Maintenance Fee - (5.2% to 6.5% per annum) / 12 x annualised Regular Premium committed at Policy Commencement Date - Payable monthly through unit deduction during the Premium Payment Term Investment Management Fee - 1.5% per annum / 12 x Account Value - Payable monthly through unit deduction during the policy term Administrative Fee - SGD 7.50 / USD 6 payable monthly through unit deduction during the policy term Insurance Charge - For Enhanced Death Benefit option only - Net Amount at Risk 8 x (applicable Insurance Charge Rate per annum / 12) - Payable monthly through unit deduction during the policy term Early Encashment Charge (EEC) - During Premium Payment Term, imposed upon (i) Surrender, (ii) Termination (other than Death of Life Assured), (iii) Regular Premiums due remain unpaid after Grace Period during the first 36 months or (iv) Premium Holiday period is exceeded. - EEC = Start-up Bonus paid + remaining Account Maintenance Fee due 9 - EEC will be deducted in calculating the Surrender Value of the policy Fund Management Charge - According to the investment-linked policy sub-fund you choose. Details can be found in the Fund Summary that may be obtained from a financial consultant representing AXA Life Insurance Singapore Private Limited Premium Charge - Nil for Regular Premium and 3% of every Recurring Single Premium and Top-up Service Fee - 0%, 0.25%, 0.5% or 0.75% per annum to be determined at point of sale of this policy Other Charges on Fund Management Charge - Underlying funds are subject to the fees, charges and expenses levied by the investment managers. This fee may vary from one underlying fund to another.

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