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1 All data is as of 31 December 2013 unless otherwise stated (Domestic) Features of Fund Investment Objective Investment Strategy & Approach To provide medium to long term accumulation of capital by investing in selected fixed interest securities, corporate bonds and fixed deposits. Investment Strategy Invest in a portfolio of fixed income securities, corporate bonds and fixed deposits. Investment Approach The Fund Managers believes that their disciplined, valuation-driven investment style can generate superior long-term returns. They aim to exploit opportunities at both the asset allocation and securities selection levels through active in-house research and portfolio management, with a focus on maximization of returns at an acceptable level of risks. The Fund Managers aim for a high degree of consistency in long term performance for all funds, whilst adhering to strict and professional investment guidelines. Asset Allocation Performance Benchmark Fund Manager Up to 100% in fixed income securities, corporate bonds and fixed deposits. The balance of the asset will be invested in liquid assets. Maybank 12 Month Tier 1 Fixed Deposit Rate Eastspring Investments Berhad ( U) Fees & Charges Fund Management Charge Other Charge, if any 0.5% p.a. Nil Please note that s are not Shariah-compliant products and the investment performance of the s are not guaranteed.

2 All data is as of 31 December 2013 unless otherwise stated (Domestic) How the Fund has performed Performance Graph vs Maybank 12 Month Tier 1 Fixed Deposit Rate Maybank 12 Month Tier 1 Fixed Deposit Rate Percentage change since inception Oct-97 Jan-98 May-98 Sep-98 Jan-99 May-99 Sep-99 Jan-00 May-00 Sep-00 Jan-01 May-01 Sep-01 Jan-02 May-02 Sep-02 Jan-03 May-03 Sep-03 Jan-04 May-04 Sep-04 Jan-05 May-05 Sep-05 Jan-06 May-06 Sep-06 Jan-07 May-07 Sep-07 Jan-08 May-08 Sep-08 Jan-09 May-09 Sep-09 Jan-10 May-10 Sep-10 Jan-11 May-11 Aug-11 Dec-11 Apr-12 Aug-12 Dec-12 Apr-13 Aug-13 Dec-13 Notice: The graphs are included for illustrative purposes only. Past performance of the fund is not an indication of its future performance Year Actual Performance 6.23% 5.67% 5.45% 4.51% 2.17% Benchmark MBB 12 Mth Tier 1 FD Rate 2.55% 2.85% 3.04% Source: Lipper Hindsight 5 and Bloomberg, 31 December 2013 Warning: This is strictly the performance of the investment fund, and not the returns earned on the actual contribution paid of the investment-linked insurance product. Basis of calculation of past performance: = Net Asset Value For Year n Net Asset Value For Year n-1-1 % Investment Risks Please refer to Appendix 1 for the detailed Investment Risks listing below by order of importance: (C) Interest Rate Risk (K) Credit / Default Risk (B) Liquidity Risk (A) Market Risk (D) Stock / Issuer Risk (E) Country Risk (F) Risk of Non-Compliance (G) Concentration Risk (H) Management Company Risk (I) Inflation Risk (J) Investment Managers Risk

3 All data is as of 31 December 2013 unless otherwise stated (Domestic) Risk Management Forecasting Risk Potential risks are taken into consideration in the process of sector allocation and stock selection based on analysis on various key factors such as economic conditions, liquidity, qualitative and quantitative aspects of the securities. System Control Risk parameters are set internally for each fund, depending on client s risk profile. These risk parameters include limits of issuer bet, group issuer, sector rating and issue size of the securities held in the portfolio. A front-end office system is in place to monitor portfolio risks, serving as an auto filter for any limitations or breaches. Other Info Target Market Investors who seek stable income stream. Low to moderate risk tolerance. Medium to long term investment horizon. Basis & Frequency of unit Valuation Exceptional circumstances Unit pricing is done daily. The Unit Price of a particular PRUlink Fund on any Valuation Date shall be equal to the Fund Value divided by the number of Units in issue on Valuation Date. The Fund Value is the value of all the assets of a particular PRUlink Fund after the deduction of expenses for managing, acquiring, maintaining and valuing the assets of that Fund, tax or other statutory levy incurred by the Company on investment income or capital gains on the assets of the Fund and any accrued or anticipated income. The Valuation Date shall be the date as determined by the Company from time to time, but not less frequently than once a day, for the purpose of determining Unit Prices. To recoup the cost of acquiring and disposing of assets, a transaction cost adjustment may be made to the Fund Value to recover any amount which the fund had already paid or reasonably expects to pay for the creation or cancellation of units. The Company reserves the right in exceptional circumstances (for example, when there is an unusually volume of sale or liquidation of the assets of any of the s within a short period) to defer the switching or redemption of Units and/or the surrender of the Policy for a period not exceeding six (6) months from the date of application. The Company may suspend unit pricing and policy transaction if any of the exchanges in which the fund is invested is temporarily suspended for trading. In such event, notice for suspension may be published and may be communicated to the Assured upon any request for top-up, switching, redemption or withdrawal to/from any such PRUlink Fund.

4 Semua data seperti pada 31 Disember 2013 melainkan jika dinyatakan (Domestik) Ciri-ciri Dana Objektif Dana Strategi Pelaburan & Pendekatan Untuk menyediakan pengumpulan modal dalam jangkamasa sederhana hingga panjang dengan melabur di dalam seuriti faedah tetap, bon korporat dan deposit tetap. Strategi Pelaburan Melabur dalam portfolio sekuriti pendapatan tetap, bon korporat dan deposit tetap. Pendekatan Pelaburan Pengurus Dana percaya bahawa cara pelaburan yang diarah oleh penilaian dan yang disiplin boleh menjanakan pulangan yang unggul dalam jangka masa panjang. Tujuan mereka adalah untuk menggunakan peluang kedua-dua peruntukan aset dan pengurusan portfolio, dengan fokus pada memaksimumkan pulangan pada paras yang boleh diterima. Pengurus Dana mengikut darjah kekonsistenan yang tinggi dalam jangka masa panjang untuk semua dana, di samping berpegang teguh kepada garis panduan yang tegas dan profesional. Peruntukkan Aset Piawaian Prestasi Pengurus Dana Sehingga 100% dalam sekuriti pendapatan tetap, bon korporat dan deposit tetap. Aset-aset yang lebih akan dilaburkan ke dalam aset cair. Maybank 12 Month Tier 1 Fixed Deposit Rate Eastspring Investments Berhad ( U) Yuran & Caj Caj Pengurusan Dana Caj-caj lain, jika ada 0.5% setiap tahun Tiada Sila ambil perhatian bahawa dana PRUlink bukanlah produk patuh Shariah dan prestasi pelaburan dana PRUlink tidak dijamin.

5 Semua data seperti pada 31 Disember 2013 melainkan jika dinyatakan (Domestik) Prestasi Dana 1 Jadual Prestasi Dana vs Maybank 12 Month Tier 1 Fixed Deposit Rate Maybank 12 Month Tier 1 Fixed Deposit Rate Pertukaran peratusan sejak permulaan Oct-97 Jan-98 May-98 Sep-98 Jan-99 May-99 Sep-99 Jan-00 May-00 Sep-00 Jan-01 May-01 Sep-01 Jan-02 May-02 Sep-02 Jan-03 May-03 Sep-03 Jan-04 May-04 Sep-04 Jan-05 May-05 Sep-05 Jan-06 May-06 Sep-06 Jan-07 May-07 Sep-07 Jan-08 May-08 Sep-08 Jan-09 May-09 Sep-09 Jan-10 May-10 Sep-10 Jan-11 May-11 Aug-11 Dec-11 Apr-12 Aug-12 Dec-12 Apr-13 Aug-13 Dec-13 Nota: Graf-graf adalah bagi tujuan penjelasan sahaja. Prestasi masa lalu bukan tanda prestasi masa depannya. Tahun Prestasi Dana 6.23% 5.67% 5.45% 4.51% 2.17% Piawaian Pretasi MBB 12 Mth Tier 1 FD Rate 2.55% 2.85% 3.04% Sumber: Lipper Hindsight 5 dan Bloomberg, 31 Disember 2013 Amaran: Ini hanya adalah prestasi dana perlaburan tersebut dan bukan pulangan dari sumbangan yang dibayar oleh produk insurans berkaitan pelaburan itu. Asas kiraan prestasi masa lalu: = Nilai Aset Bersih pada akhir Tahun n Nilai Aset Bersih pada akhir Tahun n-1-1 % Risiko-Risiko Pelaburan Sila rujuk kepada Lampiran 1 untuk butir-butir senarai Risiko-Risiko Pelaburan di bawah yang mengikut urutan kepentingan: (C) Risiko Kadar Faedah (K) Risiko Kredit / Kegagalan (B) Risiko Kecairan (A) Risiko Pasaran (D) Risiko Saham / Penerbit (E) Risiko Negara (F) Risiko Tiada-Pematuhan (G) Risiko Penumpuan (H) Risiko Syarikat Pengurusan (I) Risiko Inflasi (J) Risiko Pengurus Pelaburan

6 Semua data seperti pada 31 Disember 2013 melainkan jika dinyatakan (Domestik) Pengurusan Risiko Peramalan Risiko Risiko yang berpotensi timbul akan dipertimbangkan dalam proses peruntukan sektor dan pilihan stok yang berdasarkan analisis pelbagai faktor-faktor penting seperti keadaan ekonomi, kecairan, aspek-aspek kualitatif dan kuantitatif sekuriti tersebut. Kawalan Sistem Had risiko ditetapkan secara dalaman untuk setiap dana dan bergantung kepada profil risiko pelanggan. Had risiko tersebut termasuk pengeluar bet, kumpulan pengeluar, pengkadaran sektor dan saiz isu sekuriti yang dipegang dalam portfolio. Satu sistem depan pejabat ditempatkan untuk mengawai risiko portfolio, yang bertugas sebagai penapis automatik untuk had-had atau keadaan pecah amanah. Maklumat Lain Pasaran Sasaran Pelabur yang mencari pengaliran pendapatan yang stabil Tahap toleransi risiko yang rendah ke sederhana. Pengalaman pelaburan yang sederhana ke panjang. Dasar & Kekerapan Penghargaan unit dibuat setiap hari. Tarikh Penilaian Harga unit bagi Dana PRUlink tertentu pada sebarang Tarikh Penilaian hendaklah bersamaan Nilai Dana dibahagi dengan bilangan Unit yang dikeluarkan pada Tarikh Penilaian. Nilai Dana ialah nilai semua aset Dana PRUlink selepas memotong belanja untuk menguruskan, memperolehi, menyenggaraan, pengkekalan dan penilaian aset Dana, cukai atau levi mengikut undang-undang yang ditanggung oleh Syarikat ke atas pendapatan pelaburan atau keuntungan modal aset dana dan sebarang pendapatan terakru atau dijangkakan. Tarikh Penilaian ialah tarikh yang ditentukan oleh Syarikat dari masa ke semasa, tetapi tidak kurang daripada sekali sehari, untuk tujuan menentukan Harga Unit. Untuk mendapatkan balik kos memperoleh dan membuang aset-aset, pembetulan kos urus niaga mungkin dibuat untuk Nilai Unit untuk memulihkan sebarang jumlah yang telah atau dijangka akan dibayar oleh dana untuk penghasilan dan pembatalan unit-unit. Keadaan-keadaan luar biasa Syarikat juga berhak dalam keadaan pengecualian (sebagai contoh, bila terdapat jumlah jualan atau penebusan aset mana-mana dana PRUlink yang luar biasa besarnya dalam jangka masa yang pendek) untuk menangguhkan penukaran atau penebusan Unit-unit dan/atau penyerahan Polisi untuk tempoh tidak melebihi enam (6) bulan dari tarikh permohonan. Syarikat mungkin menangguhkan penghargaan unit dan urusniaga polisi jika mana-mana penukaran di mana dana dilaburkan ditunda dari berdagang untuk sementara. Dalam keadaan tersebut, suatu notis untuk penangguhan mungkin diterbit dan mungkin diberitahu kepada orang diinsuranskan apabila tokokan, penukaran, penebusan atau pengeluaran ke/dari mana-mana dana PRUlink.

7 以下乃是截于 2013 年 12 月 31 日的数据, 除非另行注明 ( 国内 ) 基金特征 投资目标 投资于某些固定收益证券 企业债券与定期存款, 以在中至长期内累积资本 投资策略与方法 投资策略 投资于固定收益证券 企业债券与定期存款的投资组合 投资方法基金经理相信其规律性和估值导向的投资方式可以赚取偏高的长期回酬 他们的目的是要善加利用机会在资产配置和证券遴选的阶段, 通过积极的公司内部研究与投资组合管理, 以在可接受的风险水平中赚取最高的回酬 基金经理的目标乃是在长期内维持所有基金的良好表现, 同时遵守严格与专业的投资指南 资产配置 高达 100% 的资金投资于固定收益证券 企业债券与定期存款 剩余的资金将投资于流动性资产 表现基准 马来亚银行 12 月期一级定期存款率 基金经理 瀚亚投资有限公司 ( U) 收费与费用 基金管理费每年 0.5% 其他费用, 若有 无 请注意 :s 并非符合回教教义的产品, 而且其投资表现不受担保

8 以下乃是截于 2013 年 12 月 31 日的数据, 除非另行注明 ( 国内 ) 基金表现 1 表现图表 与 12 月期马来亚银行一级定期存款率 12 月期马来亚银行一级定期存款率 自推介的百分比变动 1 1 Oct-97 Jan-98 May-98 Sep-98 Jan-99 May-99 Sep-99 Jan-00 May-00 Sep-00 Jan-01 May-01 Sep-01 Jan-02 May-02 Sep-02 Jan-03 May-03 Sep-03 Jan-04 May-04 Sep-04 Jan-05 May-05 Sep-05 Jan-06 May-06 Sep-06 Jan-07 May-07 Sep-07 Jan-08 May-08 Sep-08 Jan-09 May-09 Sep-09 Jan-10 May-10 Sep-10 Jan-11 May-11 Aug-11 Dec-11 Apr-12 Aug-12 Dec-12 Apr-13 Aug-13 Dec-13 注 : 有关图表只供说明之用 基金过往的表现不可视为未来表现的指标 年度 真实表现 6.23% 5.67% 5.45% 4.51% 2.17% 基准 12 月期马来亚银行一级定期存款率 2.55% 2.85% 3.04% 资料来源 Lipper Hindsight 5 and Bloomberg, 2013 年 12 月 31 日 警告 : 这只是投资基金的表现, 而非所缴付的投资联结保险真实保费所赚取的回酬 过往表现的基本计算方式 : = n 年度的净资产值 - 1 n-1 年度的净资产值 % 投资风险请参考附录以了解下列的投资风险详情, 按重要性排列 : (C) 利率风险 (K) 信用 / 违约风险 (B) 流动性风险 (A) 市场风险 (D) 股票 / 发行者风险 (E) 国家风险 (F) 违规风险 (G) 集中风险 (H) 管理公司风险 (I) 通货膨胀风险 (J) 投资经理风险

9 以下乃是截于 2013 年 12 月 31 日的数据, 除非另行注明 ( 国内 ) 风险管理 预测风险 在领域配置与股票遴选的过程中, 我们针对经济状况 流动性 证券的质量等各种要素作出分析, 同时将潜在风险列入考量 系统控制 每项基金的风险指标都由公司内部所设, 胥视客户的风险概况而定 这些风险指标包括投资组合中的证券规模 领域评级 集团发行者以及发行者活动的限制 我们备有监督投资组合风险的前台系统, 它是任何限制或违规状况的自动过滤器 其他资料 目标市场 寻求稳定收入的投资者 风险承受度偏低至中等 中至长期投资期限 单位估价的基础与次数 每天作出单位定价 在任何一个估价日的单位价格将等于基金价值除以截至估价日所发行的单位数目 基金价值乃是某项 所有资产的价值, 扣除管理 购买 持有基金资产以及资产估值方面的开销 公司从基金资产中赚取的投资收益或资本收益所引致的税务或其他的法定费用, 以及任何的累计或预计收益 估价日乃是公司在任何时候所决定的日期 ( 至少一天一次 ), 目的为确定单位的价格 为索回买卖资产的成本, 我们可能会在基金价值中作出交易成本的调整, 以取回基金发行或取消单位所付给的款项或所应付给的合理数额 特殊情况 公司保留权力以在特殊情况 ( 例如任何一项 s 在短期内出现不寻常的资产销售量或变现状况 ) 延迟单位的转移或回赎及 / 或退保, 但不超过申请日期算起的 6 个月期间 如果本基金所作出的投资交易所暂停交易, 公司可能会暂停单位定价以及保单交易的活动 届时公司将会刊登暂停通知, 并且会在受保人作出有关 的加额 转移 回赎或提兑方面的申请时, 告知受保人有关的事宜

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