1. Insert the following information to the list of investment choices on p.5 under the category Equity - Global : Code of Investment Choice

Transcription

1 Cheers Plus / Legend / Oscar (such schemes are currently available for insurance policy applications) Cheers Life Insurance Plan, Columbus, Wealth Accumulator Plus, Wealth Partner and Wealth Smart Premier (such schemes are no longer available for insurance policy applications) Guide First Addendum This addendum shall form part the Guide (publication date: June 2016) and is to be issued and read in conjunction with the relevant Principal Brochure and the Product Key Facts Statement: The Principal Brochure consists the Guide and the Product Guide. 1. Insert the following information to the list investment choices on p.5 under the category Equity - Global : Code F216 Invesco Global Leisure ( A Invesco s -Invesco Global Leisure Invesco S.A. A-Acc 2. Insert the following information to the list investment choices on p.7 under the category Equity - Europe : Code F213 Henderson Horizon - Pan European Property Equities (Class A Hedged ) Henderson Horizon - Pan European Property Equities Henderson S.A. Class A Hedged 3.Insert the following information to the list investment choices on p.11 under the category Equity Greater China : Code F217 ZEAL Voyage China Units ZEAL Voyage China Zeal Asset Limited Units 4. Insert the following information to the list investment choices on p.13 under the category Equity - Japan : Code F211 - Japanese Smaller Companies (A2-Acc ()) - Japanese Smaller Companies Services S.A. Class A2-Acc Publication Date: September 2016 AM0179/1609

2 5. Insert the following information to the list investment choices on p.18 under the category Equity Sector/Theme : Code F210 Amundi HK - Global Ageing Planet Opportunities ( Acc) Amundi HK Portfolios - Amundi HK - Global Ageing Planet Opportunities Amundi Hong Kong Limited Acc 6. Insert the following information to the list investment choices on p.21 under the category Fixed Income Global : Code F215 Principal Global Investors s - Preferred Securities (A-Acc-) Principal Global Investors s - Preferred Securities Principal Global Investors (Ireland) Limited A Acc 7. Insert the following information to the list investment choices on p.25 under the category Mixed Asset Asia Pacific : Code F214 JPMorgan s Asia Pacific Income (A-Acc-) JPMorgan s - Asia Pacific Income JPMorgan Asset (Europe) S.á r.l. A (acc) - 8. A new category Mixed Asset Europe will be created and inserted to the Guide. The following information will be inserted to the list investment choices on p.26 under the new category Mixed Asset Europe : Code F212 BNP Paribas A European Multi-Asset Income (Classic RH - Cap) BNP Paribas A European Multi- Asset Income BNP Paribas Partners Luxembourg Classic RH - Cap

3 Guide AM0166/1609

4 This Guide is applicable to the following investment-linked assurance schemes issued by FTLife Insurance Company Limited: 1. Cheers Plus, Legend and Oscar (such schemes are currently available for insurance policy applications). 2. Cheers Life Insurance Plan, Columbus, Wealth Accumulator Plus, Wealth Partner and Wealth Smart Premier (such schemes are no longer available for insurance policy applications). FTLife Insurance Company Limited A Company incorporated in Bermuda with limited liabilities Registered Address: Canon s Court, 22 Victoria Street, Hamilton HM12, Bermuda. Hong Kong Address: 27/F, Wing On Centre, 111 Connaught Road Central, Hong Kong Website: Publication Date: September 2016 Issuer: FTLife Insurance Company Limited AM0166/1609

5 Contents s Page 3-4 Equity Page 5-20 Global North America Europe Asia Pacific Greater China Japan Asia Pacific Single Market Emerging Market Sector/Theme Fixed Income Page Global US Asia Pacific Emerging Market Mixed Asset Page 25 Asia Pacific Global Emerging Market Money Market Page 26 1

6 Important Notes: 1. The investment-linked assurance scheme (the Scheme ) is an insurance policy issued by FTLife Insurance Company Limited ( FTLife ) with benefits linked to the performance investment choices selected by you. Your investments are subject to the credit risk FTLife. 2. All premiums you pay towards the Scheme, and any investments made by FTLife in the underlying funds you selected, will become and remain part the assets FTLife. You do not have any rights or ownership over any those assets. Your recourse is against FTLife only. 3. Your return on investments is calculated by FTLife with reference to the performance the underlying funds as referred to in the Principal Brochure which correspond to the investment choices selected by you. The return investments under the Scheme shall be subject to the charges the Scheme and may be lower than the return the SFC authorized fund. 4. The investment choices available under the Scheme can have very different features and risk priles. Some may be high risk. Please read the Principal Brochure and the fering documents the underlying funds involved, which will be made available upon request or can be downloaded at our website: 5. The Scheme is designed to be held for a long term period. Early surrender or withdrawal the policy, suspension or reduction in premium (if applicable) may result in a significant loss principal and / or bonuses awarded. Poor performance underlying funds may further magnify your investment losses, while all charges are still deductible. 6. With no premium contribution during the period contribution interruption/ premium holiday (if applicable), the value the Scheme may be significantly reduced due to fees and charges, and additional premium for optional rider(s) (if any), which are still deductible during the period contribution interruption/ premium holiday, and your entitlement to bonuses may also be affected. 7. involves risk. You should not purchase the Scheme unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours. This Guide aims to provide you with information about the investment choices that are available to you under the Scheme. The Scheme is classified as Class C - linked long term business plan under the Insurance Companies Ordinance ( ICO ). It is fered by FTLife, an insurance company authorised under the ICO in Hong Kong. The Principal Brochure consists this Guide and the Product Guide. Please read the Guide in conjunction with the Product Guide, Illustration Document and the Product Key Facts Statement before you apply for the Scheme. For details the underlying funds, please refer to the relevant fering documents. For more details about the Scheme and to obtain the relevant documents including fering documents, notices, announcements, financial reports and other documents the underlying funds, please visit our website at Should you require further information or service, please do not hesitate to contact your consultant or our customer service hotline at The fering document does not constitute as part your contract. Please refer to the policy document for the terms and conditions. 2

7 s The investment choices are fered by FTLife under the Scheme. The investment choices are respectively linked to underlying funds. FTLife will be investing the net premium received from you into the underlying funds to the investment choices selected by you for FTLife s asset liability management. However, you are not investing in the underlying funds the investment choices. You do not have any rights or ownership over those underlying investments. The allocations the units investment choices to your policy are notional and are solely for the purpose determining the account value your policy. General Risk You should note that the investment returns provided will be subject to various risk factors, including, without limitation, normal market and currency risks. Some or all the risk factors may adversely affect the investment choices performance and their ability to achieve their investment objectives. There is no assurance that the investment choices will achieve their respective investment objectives. You should carefully consider the risk factors relating to investment in an investment choice in light your own financial circumstances, knowledge, experience and other personal circumstances, and should seek independent pressional advice if necessary. Please refer to the fering documents the relevant underlying funds for details their investment objectives and risk factors. 1. involves risks, and the value your investments may go up as well as down. returns are not guaranteed. Past performance is not indicative future performance. Each investment choice is subject to market and interest rate fluctuations and to the risks inherent in all investments. Some investment choices fered under the Scheme may involve assets denominated in foreign currencies, and this may entail additional risks as the result exchange rate fluctuations. 2. The return you will receive on an investment in fixed income instruments will depend on (i) interest rate returns and foreign currency exchange rates, both which may fluctuate; and (ii) the credit standing the issuers which cannot be guaranteed. 3. Transactions in derivatives may be used to meet its investment objectives. The use such instruments, as well as techniques, may increase the volatility an underlying fund s net asset value. Its degree risk may therefore be greater than in the case with conventional securities. 4. The prospects for economic growth in a number smaller and emerging markets may be considerable, and these markets may have the potential to provide greater returns on equity than mature markets. However, there are risks from political, economic, and market factors in smaller and emerging markets which may result in significant risks involved in investing in them, and may expose the underlying funds investing in these markets to significant losses. 5. that focuses on certain industries can be significantly affected by events relating to those industries, such as international political and economic developments, taxation and government regulations. It is important to understand that underlying funds that are thematic or sectoral in nature may be more volatile than underlying funds that are diversified. 6. Higher yield investment generally incurs a greater degree risk than lower yield investment, such as, but not limited to, credit risks, normal market and currency risks. 7. The Scheme is not suitable for all investors. You should understand the details the Scheme and consider your investment objectives and other personal circumstances before you invest in it. 8. Certain investment choices are linked to underlying funds that may make dividend payments out the underlying fund s income and / or capital. The payment distributions out capital represents a return or withdrawal part the amount investors originally invested and / or capital gains attributable to the original investment. Any distributions involving payment distributions out the underlying fund s capital may result in an immediate decrease in the net asset value per share and may reduce the capital available for the underlying fund for future investment and capital growth. 3

8 Valuation s Your premium allocated to an investment choice or the proceeds that have been switched into an investment choice according to your instruction will be used to allocate notional units to the investment choice as soon as practicable on a valuation date after we have received your premium or those proceeds from the switching transaction(s). The number notional units investment choices allocated will be the relevant amount premium or proceeds from a switch divided by the fer price the units allocated as at the valuation date. The bid price and fer price a unit each investment choice on a valuation date will be the same as the quoted bid price and fer price respectively the unit or share that underlying fund on that valuation date and in the currency that underlying fund. A valuation date an investment choice is the same as the valuation date its respective underlying fund which is determined by the relevant manager the underlying fund. fund units are currently bought and sold on every working day, and on a forward-pricing basis. For further details about the underlying funds and the manager the underlying funds (including details fees and charges, investment restrictions and borrowing power, dividends, valuations, unit price calculations and other features), please refer to the relevant fering documents the underlying funds, which are made available by FTLife. Exceptional Circumstances FTLife reserves the right to delay carrying out the valuation and the processing requests to allocate, cancel or switch notional units investment choices caused by exceptional circumstances beyond FTLife s control. The exceptional circumstances include, without limitation, the closure or suspension dealings on a major stock exchange, unexpected government intervention in foreign exchange, and suspension valuation, or dealing in any underlying investments an investment choice. No interest shall be paid by FTLife in respect any delays in payments due to such exceptional circumstances. 4

9 List investment choices made available under Cheers Plus, Legend, Oscar, Cheers Life Insurance Plan, Columbus, Wealth Accumulator Plus, Wealth Partner and Wealth Smart Premier. You should read the fering documents (including the product key facts statements) underlying funds, which are made available from FTLife upon request for details the underlying funds (including, without limitation, their investment objectives and policies, risk factors and charges). Code Equity Global F130 s - Global Allocation (A2 s - Global Allocation Class A2 F132 s - World Agriculture (A2 s - World Agriculture Class A2 F174 Fidelity s - Global Dividend (A-Acc-) Fidelity s - Global Dividend FIL Class A-Acc FIINFA Fidelity s - ( A Fidelity s - FIL Class A F78 Investec GSF Global Strategic Equity (A-Acc Investec Global Strategy - Global Strategic Equity Investec Asset Luxembourg S.A. A-Acc 5

10 Code Equity - North America F159 - North American Equity (A2-Acc - North American Equity Services S.A. Class A2-Acc F199 - North American Smaller Companies (A2-Acc North American Smaller Companies Services S.A. A2-Acc FIAMFA Fidelity s - America ( A ) Fidelity s - America FIL Class A F194 PARVEST Equity USA Mid Cap (Classic - PARVEST Equity USA Mid Cap BNP Paribas Partners Luxembourg Classic - Equity - Europe F190 Investors - Allianz European Equity Dividend (AT- Acc) Investors - Allianz European Equity Dividend Investors GmbH Class AT Acc EUR EUR F196 Baring Europe Select Trust (Class A Acc) Baring Europe Select Trust Baring Managers Limited Class A Acc F156 Baring German Growth Trust (Acc Class) Baring German Growth Trust Baring Managers Limited Class Acc GBP GBP 6

11 Code FIBLUA Fidelity s - Euro Blue Chip ( A Fidelity s - Euro Blue Chip FIL Class A EUR EUR FIEGFA Fidelity s - European Growth ( A Fidelity s - European Growth FIL Class A EUR EUR F206 Invesco s - Invesco Pan European Structured Equity ( Hedged Acc A Invesco s - Invesco Pan European Structured Equity Invesco S.A. A F209 The Jupiter Global - Jupiter European Growth (Class L Acc ) The Jupiter Global - Jupiter European Growth RBS (Luxembourg) S.A. Class L Acc F207 Threadneedle s ICVC - European Select ( Hedged Class 1) Threadneedle s ICVC - European Select Threadneedle Services Limited Class 1 Equity - Asia Pacific F94 - Asia Pacific Equity (A2-Acc - Asia Pacific Equity Services S.A. Class A2-Acc F93 - Asian Smaller Companies (A2-Acc - Asian Smaller Companies Services S.A. Class A2-Acc F81 Investors - Allianz Little Dragons (A-Dis) Investors - Allianz Little Dragons Investors GmbH Class A Dis 7

12 Code F85 Investors - Allianz Total Return Asian Equity (A-Dis) Investors - Allianz Total Return Asian Equity Investors GmbH Class A Dis F185 Amundi s - Equity ASEAN (A2U- Acc Amundi s - Equity ASEAN Amundi Luxembourg S.A. Class A2U- Acc F148 Baring Umbrella - Baring ASEAN Frontiers (Class A) Baring Umbrella - Baring ASEAN Frontiers Baring Managers (Ireland) Limited Class A Inc F205 s - Asian Growth Leaders (A2 s - Asian Growth Leaders A2 F165 s - Asia Pacific Equity Income (A2 s - Asia Pacific Equity Income Class A2 FIASEF Fidelity s - ASEAN ( A Fidelity s - ASEAN FIL Class A FIAPFA Fidelity s - Asia Pacific Dividend ( A Fidelity s - Asia Pacific Dividend FIL Class A FIASSF Fidelity s - Asian Special Situations ( A Fidelity s - Asian Special Situations FIL Class A 8

13 Code F59 Fidelity s - Emerging Asia ("A-Acc-" Fidelity s - Emerging Asia FIL Class A-Acc FIPACA Fidelity s - Pacific ( A Fidelity s - Pacific FIL Class A F50 Fidelity s Asia Focus ( A Fidelity s Asia Focus FIL Class A F202 First State Global Umbrella plc - First State Asian Growth (Class I Acc) First State Global Umbrella plc - First State Asian Growth First State s (Hong Kong) Limited Class I Acc INVAEC Invesco Asian Equity ( A Invesco s Series - Invesco Asian Equity Invesco Global Asset Limited A-AD F77 Investec GSF Asian Equity (A-Inc Investec Global Strategy - Asian Equity Investec Asset Luxembourg S.A. A-Inc F179 PARVEST Equity Best Selection Asia ex-japan (Classic PARVEST Equity Best Selection Asia ex-japan BNP Paribas Partners Luxembourg Classic - TEMASG Templeton Asian Growth ( A-Acc s - Templeton Asian Growth Services S.à r.l A (acc) 9

14 Code F168 Templeton Asian Smaller Companies ( A-Acc s - Templeton Asian Smaller Companies Services S.à r.l A (acc) F176 Value Partners Classic (C Units) Value Partners Classic Value Partners Limited C Units F177 Value Partners High- Dividend Stocks (Class A1) Value Partners High- Dividend Stocks Value Partners Limited Class A1 Equity - Greater China F161 - Chinese Equity (A2-Acc - Chinese Equity Services S.A. Class A2-Acc F100 Baring Hong Kong China Baring Umbrella - Baring Hong Kong China Baring Managers (Ireland) Limited Class A Inc F151 Baring s plc - Baring China Select (Class A) Baring s plc - Baring China Select Baring Managers (Ireland) Limited Class A Inc F129 s - China (A2 s - China Class A2 10

15 Code F144 CCB Series - CCB - China Policy Driven CCB Series - CCB - China Policy Driven CCB Asset Limited HKD HKD F203 First State Global Umbrella plc - First State China Focus (Class I Acc) First State Global Umbrella plc - First State China Focus First State s (Hong Kong) Limited Class I Acc F197 Fidelity s - China Consumer (A-Acc-) Fidelity s - China Consumer FIL Class A-Acc F120 Fidelity s - China Opportunities ("A-ACC-HKD" Fidelity s - China Opportunities FIL Class A-Acc HKD HKD F119 Henderson Horizon - China Henderson Horizon - China Henderson S.A. Class A F193 Haitong Middle Kingdom Haitong Middle Kingdom Haitong Managers Limited - HKD HKD INVGCH Invesco Greater China Equity ( A Invesco s - Invesco Greater China Equity Invesco S.A. A-Acc F169 Invesco PRC Equity - Class A (Acc - HK$) Invesco s Series 5 -Invesco PRC Equity Invesco Global Asset Ltd A-Acc HKD HKD 11

16 Code F140 JPMorgan s - Greater China (A-Acc JPMorgan s - Greater China JPMorgan Asset (Europe) S.à r.l. A-Acc F105 PARVEST Equity China (Classic PARVEST Equity China BNP Paribas Partners Luxembourg Classic- F134 Principal Life Style - Principal China Equity Principal Life Style - Principal China Equity Principal Asset Company Limited HKD - Acc HKD HKD F67 Selection ("ISF") - Greater China (A1-Acc Selection - Greater China A1-Acc F175 Value Partners Intelligent s - China Convergence Value Partners Intelligent s - China Convergence Value Partners Limited Class A F204 Value Partners China Greenchip Limited (Class A) Value Partners China Greenchip Limited Value Partners Limited Class A HKD HKD 12

17 Code Equity - Japan F200 - Japanese Smaller Companies (A2-Acc - Japanese Smaller Companies Services S.A. Class A2-Acc JPY JPY FIJAFA Fidelity s - Japan Advantage ( A Fidelity s - Japan Advantage FIL Class A JPY JPY INVJAE Invesco Japanese Equity ( A Invesco s Series 1 - Japanese Equity Invesco Global Asset Ltd A-AD Equity - Asia Pacific Single Market F160 - Australasian Equity (A2-Acc - Australasian Equity Services S.A. Class A2-Acc AUD AUD F154 - Indian Equity (A2-Acc) - Indian Equity Services S.A. Class A2-Acc F82 Investors - Allianz Hong Kong Equity (A-Dis) Investors - Allianz Hong Kong Equity Investors GmbH Class A Dis F84 Investors - Allianz Indonesia Equity (A-Dis) Investors - Allianz Indonesia Equity Investors GmbH Class A Dis 13

18 Code F150 Baring Umbrella - Baring Australia (Class A) Baring Umbrella - Baring Australia Baring Managers (Ireland) Limited Class A Inc F101 Baring Korea Feeder Baring Korea Feeder Baring Managers (Ireland) Limited Class A Acc FIAUSA Fidelity s - Australia ( A Fidelity s - Australia FIL Class A AUD AUD FICFFA Fidelity s - China Focus ( A Fidelity s - China Focus FIL Class A FIIFFA Fidelity s - India Focus ( A Share) Fidelity s - India Focus FIL Class A FIMALF Fidelity s - Malaysia ( A Fidelity s - Malaysia FIL Class A FITAIF Fidelity s - Taiwan ( A Fidelity s - Taiwan FIL Class A F142 JPMorgan s - Singapore (A-Acc JPMorgan s - Singapore JPMorgan Asset (Europe) S.à r.l. A-Acc 14

19 Code F143 JPMorgan s - Taiwan (A-Acc JPMorgan s - Taiwan JPMorgan Asset (Europe) S.à r.l. A-Acc F135 Principal Life Style - Principal Hong Kong Equity Principal Life Style - Principal Hong Kong Equity Principal Asset Company Limited HKD - Acc HKD HKD F66 Selection ("ISF") - Hong Kong Equity (A1-Acc Selection - Hong Kong Equity A1-Acc HKD HKD F126 Selection ("ISF") - Taiwanese Equity (A1-Acc Selection - Taiwanese Equity A1-Acc TEMKOR Templeton Korea ( A-Acc s - Templeton Korea Services S.à r.l A (acc) TEMTHA Templeton Thailand ( A-Acc s - Templeton Thailand Services S.à r.l A (acc) F178 Value Partners Taiwan Value Partners Taiwan Value Partners Hong Kong Limited - 15

20 Code Equity - Emerging Market F155 - Latin American Equity (A2- Acc) - Latin American Equity Services S.A. Class A2-Acc F186 Amundi s - Equity Brazil (A2U- Acc Amundi s - Equity Brazil Amundi Luxembourg S.A. Class A2U- Acc F102 Baring Eastern Europe Baring Global Umbrella - Baring Eastern Europe Baring Managers (Ireland) Limited Class A Inc F122 s - Emerging Europe (A2 s - Emerging Europe Class A2 F131 s - Latin American (A2 s - Latin American Class A2 FIEEME Fidelity s - Emerging Europe, Middle East and Africa ( A-Acc- Fidelity s - Emerging Europe, Middle East and Africa FIL Class A-Acc FIEMEA Fidelity s - Emerging Markets ( A Fidelity s - Emerging Markets FIL Class A F60 Franklin MENA ("A-Acc" s - Franklin MENA Services S.à r.l A (acc) 16

21 Code F138 JPMorgan s - Emerging Middle East Equity (A-Acc JPMorgan s - Emerging Middle East Equity JPMorgan Asset (Europe) S.à r.l. A-Acc F137 PARVEST Equity Brazil (Classic Parvest - Parvest Equity Brazil BNP Paribas Partners Luxembourg Classic- F180 PARVEST Equity Russia (Classic PARVEST Equity Russia BNP Paribas Partners Luxembourg Classic - F68 Selection ("ISF") - BRIC (Brazil, Russia, India, China) (A1-Acc Selection - BRIC (Brazil, Russia, India, China) A1-Acc TEMBRC Templeton BRIC ( A-Acc s - Templeton BRIC Services S.à r.l A (acc) TEMEAE Templeton Eastern Europe ( A-Acc s - Templeton Eastern Europe Services S.à r.l A (acc) EUR EUR TEMEME Templeton Emerging Markets ( A-Acc s - Templeton Emerging Markets Services S.à r.l A (acc) TEMLAT Templeton Latin America ( A-Dis s - Templeton Latin America Services S.à r.l A (Ydis) 17

22 Code Equity - Sector/Theme F164 - Technology Equity (A2-Acc - Technology Equity Services S.A. Class A2-Acc F86 Investors - Agricultural Trends (AT-Acc) Investors - Agricultural Trends Investors GmbH Class AT Acc F191 Investors - Hi- Tech Growth (A-Dis) Investors Hi- Tech Growth Investors GmbH Class A Dis F188 Amundi s - Equity Global Luxury and Lifestyle (A2U- Acc Amundi s - Equity Global Luxury and Lifestyle Amundi Luxembourg S.A. Class A2U- Acc F189 Amundi s - Equity Global Resources (A2U-Acc Amundi s - Equity Global Resources Amundi Luxembourg S.A. Class A2U- Acc F89 s - World Energy (A2 s - World Energy Class A2 F90 s - World Gold (A2 s - World Gold Class A2 F201 s - World Healthscience (A2 s - World Healthscience A2 18

23 Code F91 s - World Mining (A2 s - World Mining Class A2 FIAPPF Fidelity s - Asia Pacific Property ( A- Fidelity s - Asia Pacific Property FIL Class A FIFINA Fidelity s - Global Financial Services ( A Fidelity s - Global Financial Services FIL Class A EUR EUR FITECA Fidelity s - Global Technology ( A Fidelity s - Global Technology FIL Class A EUR EUR TEMBIO Franklin Biotechnology Discovery ( A-Acc s Franklin Biotechnology Discovery Services S.à r.l A (acc) F54 Invesco Asia Infrastructure ( A Invesco s - Invesco Asia Infrastructure Invesco S.A. A-Acc INVENE Invesco Energy ( A Invesco s - Invesco Energy Invesco S.A. A-Acc INVHEL Invesco Global Health Care ( A Invesco s Series 3 - Invesco Global Health Care Invesco Global Asset Ltd A-AD 19

24 Code INVLAN Invesco Global Income Real Estate Securities ( A Invesco s - Invesco Global Income Real Estate Securities Invesco S.A. A-Acc F76 Investec GSF Global Energy (A-Inc Investec Global Strategy - Global Energy Investec Asset Luxembourg S.A. A-Inc F75 Investec GSF Global Gold (A-Inc Investec Global Strategy - Global Gold Investec Asset Luxembourg S.A. A-Inc F139 JPMorgan s - Global Natural Resources (A-Acc JPMorgan s - Global Natural Resources JPMorgan Asset (Europe) S.à r.l. A-Acc F195 PARVEST Equity World Consumer Durables (Classic PARVEST Equity World Consumer Durables BNP Paribas Partners Luxembourg Classic F181 PARVEST Equity World Materials (Classic PARVEST Equity World Materials BNP Paribas Partners Luxembourg Classic - F182 PARVEST Equity World Utilities (Classic PARVEST Equity World Utilities BNP Paribas Partners Luxembourg Classic - F69 Selection ("ISF") - Global Climate Change Equity (A1-Acc Selection - Global Climate Change Equity A1-Acc 20

25 Code Fixed Income - Global F103 Baring Bond Baring Umbrella - Baring Bond Baring Managers (Ireland) Limited Class A Inc F166 s - Global Corporate Bond (A2 s - Global Corporate Bond Class A2 F167 s - Global High Yield Bond (A2 s - Global High Yield Bond Class A2 F79 Investec GSF Target Return Bond (A-Acc Investec Global Strategy - Target Return Bond Investec Asset Luxembourg S.A. A-Acc F208 The Jupiter Global - Jupiter Dynamic Bond (Class L Acc ) The Jupiter Global - Jupiter Dynamic Bond IRBS (Luxembourg) S.A. Class L Acc F183 PARVEST Bond World (Classic PARVEST Bond World BNP Paribas Partners Luxembourg Classic - F112 PIMCO Total Return Bond (Class E Accumulation) PIMCO s: Global Investors Series Plc - Total Return Bond PIMCO s: Global Investors Series plc Class E Accumulation 21

26 Code F72 Selection ("ISF") - Global Inflation Linked Bond (A1-Acc Selection - Global Inflation Linked Bond A1-Acc EUR EUR F127 Templeton Global Bond ( A-Acc s - Templeton Global Bond Services S.à r.l A (acc) F128 Templeton Global Total Return ( A-Acc s - Templeton Global Total Return Services S.à r.l A (acc) F208 The Jupiter Global - Jupiter Dynamic Bond (Class L Acc ) The Jupiter Global - Jupiter Dynamic Bond RBS (Luxembourg) S.A. Class L Acc Fixed Income - US F172 Investors - Allianz US High Yield (AT-Acc Investors - Allianz US High Yield Investors GmbH Class AT Acc F157 s - US Dollar High Yield Bond - Hedged (AUD) (A2 s - US Dollar High Yield Bond Class A2 AUD AUD F111 PARVEST Bond (Classic PARVEST Bond BNP Paribas Partners Luxembourg Classic- 22

27 Code Fixed Income - Asia Pacific F121 s - Asian Tiger Bond (A2 s - Asian Tiger Bond Class A2 F173 Fidelity s - Asian High Yield (A-Acc-) Fidelity s - Asian High Yield FIL Class A-Acc F158 JPMorgan Asian Total Return Bond (Acc JPMorgan Asian Total Return Bond JPMorgan Asset (Europe) S.à r.l. Acc F107 PARVEST Bond Asia ex-japan (Classic PARVEST Bond Asia ex-japan BNP Paribas Partners Luxembourg Classic- F71 Selection - Asian Bond Absolute Return (A1-Acc Selection - Asian Bond Absolute Return A1-Acc F146 Selection ("ISF") - Hong Kong Dollar Bond (A1-Acc Selection - Hong Kong Dollar Bond A1-Acc HKD HKD 23

28 Code Fixed Income - Emerging Market F162 - Select Emerging Markets Bond (A2-Acc - Select Emerging Markets Bond Services S.A. Class A2-Acc F92 s - Emerging Markets Local Currency Bond (A2 s - Emerging Markets Local Currency Bond Class A2 F110 PARVEST Bond Best Selection World Emerging (Classic PARVEST Bond Best Selection World Emerging BNP Paribas Partners Luxembourg Classic- 24

29 Code Mixed Asset Global F192 Investors - Allianz Income and Growth (AT-Acc) Investors Allianz Income and Growth Investors GmbH Class AT Acc F80 Investec GSF Global Strategic Managed (A-Acc Investec Global Strategy - Global Strategic Managed Investec Asset Luxembourg S.A. A-Acc TEMINC Templeton Global Income ( A-Acc s - Templeton Global Income Services S.à r.l A (acc) F198 Selection ( ISF ) - Global Multi- Asset Income (A1- Acc Selection - Global Multi-Asset Income A1-Acc Mixed Asset - Asia Pacific F87 Investors - Allianz Oriental Income (A-Dis) Investors - Allianz Oriental Income Investors GmbH Class A Dis Mixed Asset - Emerging Markets F70 Selection ("ISF") - Global Emerging Market Opportunities (A1-Acc Selection - Global Emerging Market Opportunities A1-Acc 25

30 Code Money Market - F184 Amundi s - Cash (AU-Acc Amundi s - Cash Amundi Luxembourg S.A. Class AU-Acc F113 Fidelity s - US Dollar Cash ( A-Acc- Fidelity s - US Dollar Cash FIL Class A-Acc Additional information Each underlying fund is subject to its own subscription fee and this subscription fee is not applicable to Cheers Plus, Legend, Oscar, Cheers Life Insurance Plan, Columbus, Wealth Accumulator Plus, Wealth Partner and Wealth Smart Premier. For more information the underlying funds, please refer to the respective fering documents Note: 1. If dividends are declared and paid in respect an underlying fund and your policy is still in effect, we will allocate to your policy extra notional units your investment choice equal to the amount dividend distributed. 26