I want lifetime return to realise my dreams

life protection & savings 檢 No Medical Exam I want lifetime return to realise my dreams fortune goal saver

Build your financial future and realise dreams with your loved ones To realise your dreams, what you need is a comprehensive savings plan that can help achieve financial goals. With attractive return from cash endowments, Fortune Goal Saver secures steady growth in wealth up to age 100 1, enabling a bright future for yourself and your loved ones. Highlights Wealth accumulation in the form of annual cash endowments and cash value up to age 100 1 Extra cash endowments on the 10 th, 20 th and 30 th policy anniversaries Enhancement of returns with annual dividends 2 and terminal dividend 3 Short premium payment terms of 5 or 10 years Fixed premiums throughout the premium payment term Simple application 4 no health declaration is required 1

Guaranteed benefits to grow your wealth for life Cash endowments Starting from the 5 th policy anniversary, you will receive cash endowments on every policy anniversary until age 100 1. Please refer to the table below for details: Annual Cash Endowments From the 5 th policy anniversary to age 100 1 : 3% 3% of the basic sum insured Extra Cash Endowments On the 10 th policy anniversary On the 20 th policy anniversary On the 30 th policy anniversary Extra 5% of the basic sum insured Extra 10% of the basic sum insured Extra 15% of the basic sum insured You are free to withdraw these cash endowments as cash or leave them with us to accumulate with interest 5 to meet your financial needs. Cash value In addition to the cash endowments, Fortune Goal Saver also offers cash value regardless of the investment market performance upon surrender or maturity of the policy. Additional returns from annual dividends and terminal dividend Annual dividends 2 On top of your cash endowments and cash value, you can benefit from the annual dividends to accelerate your wealth. Annual dividends are not guaranteed and may be declared annually from the 3 rd policy anniversary. They can be left with us to earn interest 5 or you may choose to withdraw them. Terminal dividend 3 Starting from the 3 rd policy anniversary, a terminal dividend may be payable upon policy surrender, at maturity of policy or in the unfortunate event of death of the insured. Terminal dividend is not guaranteed and does not form a permanent addition to the policy. Hassle free application and all-round life protection Simple application 4 You do not need to provide health declaration, enabling you to start saving without hassles. Fixed premium Under Fortune Goal Saver, the premiums are fixed and guaranteed to remain unchanged for the entire premium payment term chosen. Life protection Fortune Goal Saver provides you with life protection up to age 100 1. In the unfortunate event that the insured passes away, the designated beneficiary will receive a death benefit which is equal to: the higher of (i) cash value; and (ii) total premiums paid 6 sum of cash endowment paid 7 + + + accumulated cash endowment with interest 5 (if any) accumulated annual dividends 2 with interest 5 (if any) terminal dividend 3 (if any) any indebtedness and any outstanding premiums with interest (if applicable) 2

Accidental death protection 8 During the first 10 policy years, in the unfortunate event of accidental death of the insured with an issue age between 18 and 65, an accidental death benefit of USD12,500 will be payable in addition to the death benefit. Supplementary protection You may combine Fortune Goal Saver with a wide range of supplementary benefits 9 such as protection against major illness, accident, disability and medical expenses to suit your insurance needs. Fortune Goal Saver at a glance Premium Payment Term 5 years 10 years Coverage Period Up to age 100 1 Issue Age Age 0 65 Payment Mode Premium Structure Policy Currency Minimum Basic Sum Insured Maximum Basic Sum Insured 10 Monthly, semi-annual or annual Level throughout the premium payment term USD Below age 45 : USD15,000 Age 45 and above : USD10,000 USD1,000,000 Annual Cash Endowments From the 5 th policy anniversary to age 100 1 : 3% of the basic sum insured Cash Endowments Extra Cash Endowments On the 10 th policy anniversary On the 20 th policy anniversary On the 30 th policy anniversary Extra 5% of the basic sum insured Extra 10% of the basic sum insured Extra 15% of the basic sum insured Cash Value Annual Dividends 2 Terminal Dividend 3 Guaranteed by the Company to be payable upon surrender or maturity of the policy May be declared annually from the 3 rd policy anniversary May be payable from the 3 rd policy anniversary upon policy surrender, at maturity of the policy or in the unfortunate event of death of the insured Life Protection Death benefit is equal to: the higher of (i) cash value; and (ii) total premiums paid 6 sum of cash endowment paid 7 ; plus accumulated cash endowment with interest 5 (if any); plus accumulated annual dividends 2 with interest 5 (if any); plus terminal dividend 3 (if any); less any indebtedness and any outstanding premiums with interest (if applicable) Accidental Death Protection 8 In addition to the death benefit, USD12,500 is payable in the unfortunate event of the insured s accidental death during the first 10 policy years; and provided the issue age of the insured is between 18 and 65 3

Remarks: 1. The term age 100 refers to the policy anniversary on or immediately following the insured s 100 th birthday. 2. Annual dividends are not guaranteed and are subject to change by the Company from time to time. If the policy has been in effect for 3 years or more, a dividend may be credited on each policy anniversary if the policy is then in effect and all premiums due have been paid to such policy anniversary. 3. Terminal dividend is not guaranteed and it may be reduced or increased at subsequent declarations. Its actual amount will only be determined when payable. 4. AXA reserves the final right to approve any application. 5. The interest rate for accumulated dividends and the interest rate for accumulated cash endowments are not guaranteed. They are subject to change and will be determined by the Company from time to time. 6. Total premiums paid is equal to the applicable annualised premium amount based on the latest basic sum insured and the latest premium payment mode for the basic plan as determined by the Company divided by 12, and then multiplied by the number of policy months in which the premium for the basic plan has been due and fully paid. 7. Sum of cash endowment paid is the aggregate amount of all cash endowment assumed to be paid from the policy date to the policy anniversary on or prior to the death of the insured by the Company, which is based on the latest basic sum insured without interest accrued thereon, regardless of whether the cash endowment was paid in cash, used to reduce premium or left with us to accumulate. 8. The accidental death benefit payable is equal to USD12,500 less the total amount of all accidental death benefits paid and/or payable in respect of the insured under all policies issued by the Company and any authorised insurers in Hong Kong and/or Macau which are affiliated with the Company as designated by the Company. 9. Normal underwriting procedure is required for applying for the supplementary benefits. 10. The basic sum insured of specified plans in respect of the insured under all policies issued by the Company will be included. For details, please refer to your consultant. Note: Unless otherwise specified, all ages mentioned in this leaflet refer to the age of the insured on his or her last birthday. 4

U.S. Foreign Account Tax Compliance Act Under the U.S. Foreign Account Tax Compliance Act ( FATCA ), a foreign financial institution ( FFI ) is required to report to the U.S. Internal Revenue Service ( IRS ) certain information on U.S. persons that hold accounts with that FFI outside the U.S. and to obtain their consent to the FFI passing that information to the IRS. An FFI which does not sign or agree to comply with the requirements of an agreement with the IRS ( FFI Agreement ) in respect of FATCA and/or who is not otherwise exempt from doing so (referred to as a nonparticipating FFI ) will face a 30% withholding tax ( FATCA Withholding Tax ) on all withholdable payments (as defined under FATCA) derived from U.S. sources (initially including dividends, interest and certain derivative payments). The U.S. and Hong Kong have signed an inter-governmental agreement ( IGA ) to facilitate compliance by FFIs in Hong Kong with FATCA and which creates a framework for Hong Kong FFIs to rely on streamlined due diligence procedures to (i) identify U.S. indicia, (ii) seek consent for disclosure from its U.S. policyholders and (iii) report relevant tax information of those policyholders to the IRS. FATCA applies to the Company and this Policy. The Company is a participating FFI. The Company is committed to complying with FATCA. To do so, the Company requires you to: (i) provide to the Company certain information including, as applicable, your U.S. identification details (e.g. name, address, the US federal taxpayer identifying numbers, etc); and (ii) consent to the Company reporting this information and your account information (such as account balances, interest and dividend income and withdrawals) to the IRS. If you fail to comply with these obligations (being a Non-Compliant Accountholder ), the Company is required to report aggregate information of account balances, payment amounts and number of non-consenting US accounts to IRS. The Company could, in certain circumstances, be required to impose FATCA Withholding Tax on payments made to, or which it makes from, your Policy. Currently the only circumstances in which the Company may be required to do so are: (i) if the Inland Revenue Department of Hong Kong fails to exchange information with the IRS under IGA (and the relevant tax information exchange agreement between Hong Kong and the U.S.), in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your Policy and remit this to the IRS; and (ii) if you are (or any other account holder is) a nonparticipating FFI, in which case the Company may be required to deduct and withhold FATCA Withholding Tax on withholdable payments made to your Policy and remit this to the IRS. You should seek independent professional advice on the impact FATCA may have on you or your Policy. Fortune Goal Saver is underwritten by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) ( AXA, the Company, or we ). The plan is subject to the terms, conditions and exclusions of the relevant policy contracts. AXA reserves the final right to approve any application. This leaflet contains general information only and does not constitute any contract between any other parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plans, please refer to the relevant policy contracts. About AXA Hong Kong AXA Hong Kong, a member of the AXA Group, prides itself of serving over 1 million customers 1 in Hong Kong and Macau. Besides being one of the largest health protection providers in Hong Kong, it is also the number 1 General Insurance provider 2 and a market leader in motor insurance. AXA Hong Kong is committed to helping its customers achieve stability and prosperity through providing a comprehensive range of life, health, property and casualty protection, as well as wealth management and retirement solutions. We believe it is our inherent responsibility to support the communities we operate in, hence creating a sustainable business via constant and considerable contribution in the dimensions of health, environment and the community. 1 Including customers of AXA China Region Insurance Company Limited, AXA China Region Trustees Limited and AXA China Region Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) 2 Based on 2013 Office of the Commissioner of Insurance market share statistics LMKG 566-1501 AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) Suite 1601-6, 16/F, Tower One, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong Tel: (852) 2802 2812 Fax: (852) 2598 7623 Website: www.axa.com.hk If you do not wish to receive promotional or direct marketing materials from AXA, please inform Data Privacy Officer, AXA China Region Insurance Company (Bermuda) Limited, Suite 1601-6, 16/F, Tower One, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong. AXA shall, without charge to you, ensure that you are not included in future direct marketing activities. (Only for use in Hong Kong Special Administrative Region) 5 January 2015