B Chiyu version.indd

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2 A Legacy of Love Life is an endless journey, a cycle of seasons that brings both joyous memories and stormy challenges. Life is unpredictable, with countless highs and lows, and careful planning is important to living well. When we have a clear vision of our financial target and a well-defined strategy to achieve it, we can build the life we ve always dreamed of. Our lives don t end with ourselves. With careful planning, our legacy will pass on from generations to generations through the ones we love. We plan the future for those we love. For our loved ones, we build a legacy for our future generations.

3 A Legacy of Prosperity Those who possess wisdom, clear objectives, and foresight are able to plan ahead so that they and their loved ones can enjoy a fulfilling life. Hence, planning for a comfortable retirement and building a lasting legacy for future generations become an undeniable responsibility. Our lives are unpredictable and can be changed at a moment s notice, but a comprehensive and dependable life insurance plan can allow you to take control and achieve your financial goals for both retirement and estate planning. We like to think of the cycle of wealth management by way of life insurance plan as the Four Seasons of Life : Planning and Planting in Spring, Growing and Accumulating in Summer, Harvesting and Preserving in Autumn, then Celebrating and Sharing in Winter. A right life insurance plan offers more than just tailored lifelong protection, it can also maximise your potential gains by leveraging promising financial opportunities. The Forever Glorious ULife Plan ( the Plan ) offers you not only whole life protection, but also an insurance plan that helps you to accumulate your wealth and fulfil your financial goals. The Plan is a plan denominated in RMB or USD to ensure great flexibility for payments and withdrawals. The plan makes it easier to have a comfortable retirement and to establish a long-lasting legacy for your family, both today and in generations to come. The Plan is underwritten by BOC Group Life Assurance Company Limited ( BOC Life ), one of the renowned life insurance companies in Hong Kong. As your ideal partner for insurance protection and wealth management, BOC Life is committed to providing you and your loved ones with total peace of mind.

4 SPRING Planning and Planting Wealth management is a lifelong commitment and careful planning is essential to achieve your financial goals. Although it s true that creating a legacy starts with sowing a single seed, the reality is that building long-term wealth and an enduring legacy requires solid estate planning and a clear vision of your financial needs. A holistic and personalised plan drawn up by an experienced financial expert is essential in this regard. A seed today, a tree tomorrow The Plan is a comprehensive and fl exible plan for wealth succession. You may calculate an affordable premium with reference to your current liquidity and budget, so as to create a roadmap for potential growth of a substantial legacy. Since you don t need to put aside the full amount of your intended legacy, you can enjoy significantly greater financial flexibility. This means you still have the liquidity necessary for your personal and professional aspirations or for wealth management. Most importantly, it means you can maintain an affluent lifestyle whether you choose to stay active in business or retire (please refer to the section of this brochure entitled Estate Planning: How The Plan Can Serve Your Lifelong Needs ).

5 SUMMER Growing and Accumulating Inevitably, one s journey through life includes ups and downs, and the same is often true of wealth management. Safely storing away your hard-earned money is just the first step. It is essential to progressively grow your wealth to offset the impact of market fluctuations, inflation and other wealth-eroding factors. Added-values for your wealth To best serve your medium-term financial planning, the Plan offers 3 payment terms: single-pay, 5-year or 10-year plans. With the flexibility of our Unscheduled Topup Premium (applicable to Single-Pay policy only), you can utilise this additional premium payment facility to optimise your evolving financial situation and help your wealth accumulation as you progress towards your financial goals.

6 AUTUMN Harvesting and Preserving After working hard for growing and protecting your wealth, you will have an enduring financial legacy to share with your loved ones both today and long into the future. Wealth accumulation for future generations Account value of policy under the Plan will accrue interest at a Crediting Interest Rate declared by BOC Life from time to time, which is subject to guaranteed Minimum Crediting Interest Rate(s), to help you accumulate potential wealth in the policy account. Moreover, you can also exercise the Partial Withdrawal option to withdraw funds from your account once per policy year - ideal for those unexpected moments or when you need extra liquidity to pursue your goals.

7 WINTER Celebrating and Sharing After many years of hard work, you naturally want to celebrate your success and enjoy the fruits of your labours with your loved ones. To ensure your financial harvest is enduring and is always there for your family, it is equally important to protect your legacy and establish a reliable strategy for passing it on when the time comes. An enduring legacy for your loved ones The Plan is a powerful tool for estate planning that has key advantages. Potential wealth accumulation creates inheritance for your beneficiaries, and the Crediting Interest Rate helps in wealth accumulation. More importantly, the Plan makes it simple for you to allocate part of your assets in advance, unlike other estate planning strategies that require lengthy legal procedures. This simplicity brings you total peace of mind while also providing a strong and readily available foundation for your family s success in generations to come.

8 Estate Planning: How The Plan Can Serve Your Lifelong Needs Mr Chan is married with two children. He currently has assets worth RMB130 million. To balance his needs for estate planning, personal investment and retirement funds, Mr Chan chooses to set aside RMB50 million as a legacy for his benefi ciaries while using the rest (RMB80 million) for other purposes. Strengthening Protection Mr Chan can even utilise his wealth more flexibly. He can spend a single premium of RMB15 million to take out a policy of the Plan with a Sum Insured of RMB50 million. In the unfortunate event of his death, his family can expect to receive an inheritance of RMB50 million. Enhancing Liquidity By using the Plan in this way, Mr Chan has now enhanced his portfolio and liquidity from RMB80 million to RMB115 million, while still securing his desired legacy for his benefi ciaries. Since he now has more available funds for other wealth management opportunities, it is possible that he may yet further increase his assets and wealth, enabling him to create an even larger legacy for his family in the future. Original estate and retirement planning 8,000 RMB80 million Retirement funds and other purposes Enhance liquidity and transfer of inheritance with the Plan RMB115 million Retirement funds and other purposes Disclaimer: The above example is for illustration purposes only and should not be regarded as provision of advice, recommendations or invitations to any parties to purchase any insurance products or services from BOC Life.

9 Frequently Asked Questions If the Plan that I ve enrolled is denominated in RMB, how are the premium and benefit amounts determined if I wish to pay my premium or receive the benefit in HKD or USD? You can pay the premium in HKD or USD, subject to the prevailing exchange rate as determined by BOC Life at the time of premium payment. Likewise, the benefi t amount payable is also subject to the prevailing exchange rate as determined by BOC Life at the time of benefi ts payment if it is calculated and payable by non-policy currency. Please be reminded that the prevailing exchange rate can vary signifi cantly over time and may affect the premium or benefi t amount payable by non-policy currency. Please refer to the section Risk Disclosure of RMB and USD Insurance for information about the risk disclosure of RMB and USD Insurance. What is the Crediting Interest Rate? The actual Crediting Interest Rate is determined by the stipulated approach in BOC Life s policy, which is based on a number of factors, including but not limited to, market conditions, actual investment return in the past and long-term expectation of investment return in the future. Future Crediting Interest Rate may vary from time to time over the policy term, but will not be less than the minimum Crediting Interest Rate as specifi ed in the policy provisions, endorsements and / or amendments. The actual Crediting Interest Rate is recommended by our Appointed Actuary according to the aforementioned BOC Life s policy and approved by the Board of Directors of BOC Life. In light of the above factors, Crediting Interest Rate is not guaranteed and may be higher or lower than the values illustrated in the benefi t illustration provided at point of sale. Is the Crediting Interest Rate guaranteed? The Crediting Interest Rate currently applicable is not guaranteed but will not be less than the Minimum Crediting Interest Rate. Can I adjust the Sum Insured during the policy term? You may adjust the Sum Insured from the 3 rd Policy Year onwards: 1. For any increase in the Sum Insured, underwriting is required on the increased portion and you will have to provide satisfactory evidence of insurability. 2. A decrease in the Sum Insured is also possible, but may be subject to a Partial Surrender Charge. Please refer to the Policy Provisions for more details. Are there any requirements for Partial Withdrawal? All requests for Partial Withdrawal are subject to the following terms: 1. Partial Withdrawal is allowed once in each Policy Year. 2. Minimum withdrawal amount is RMB10,000 / USD1, Any Partial Withdrawal made during the fi rst 10 Policy Years must not exceed 20% of the Surrender Value. The Sum Insured and Account Value will be reduced by the amount of Partial Withdrawal. 4. Any Partial Withdrawal during any one Policy Year after the fi rst 10 Policy Years will be deducted from the Account Value and: i) if the amount of Partial Withdrawal does not exceed 5.0% of the Account Value, there will be no reduction in the Sum Insured. No Partial Surrender Charge will be deducted from the Account Value. ii) if the amount of Partial Withdrawal exceeds 5.0% of the Account Value, the Sum Insured will be reduced by the amount exceeding 5.0% of the Account Value. 5. Partial Surrender Charge applicable to any decrease in the Sum Insured will be deducted from the Account Value. 6. BOC Life may refuse the application of Partial Withdrawal if the Partial Withdrawal, once effective, will reduce the Surrender Value to less than RMB200,000 / USD30,000 or will reduce the Sum Insured to less than RMB3,000,000 / USD400,000. How much can I get back if I surrender the Plan? The Plan is a universal life insurance plan. If you surrender your policy, you will receive the Surrender Value, which is equal to the Account Value less any applicable Surrender Charge, and the policy will be terminated thereafter. The Surrender Value may be less than the total premium paid. What happen to the policy in case the Account Value is insufficient to pay the policy s fees and charges? When the Account Value becomes insufficient to pay the Cost of Insurance and the Policy Fee, the policy will lapse after the end of the grace period as prescribed by BOC Life. The residual amount may be significantly less than the total premium paid and / or may be zero. How to apply for Premium Holiday? Will the policy be affected during Premium Holiday? You may make a written request to BOC Life for Premium Holiday. During the Premium Holiday, you are not required to pay modal premium, the basic plan will remain in force. The Cost of Insurance and Policy Fee (if applicable) will be continued to be deducted from the Account Value. Moreover, after the fi rst payment of premium, if modal premiums are not paid by the relevant due date(s) and the policy is in force at the relevant time, the Premium Holiday will automatically take effect. How can I keep track of my Plan? You will receive an annual statement from BOC Life showing the latest policy information of the Plan. You may also contact the branch staff of Bank of China (Hong Kong) Limited ( BOCHK ), Nanyang Commercial Bank, Limited ( NCB ) or Chiyu Banking Corporation Limited ( Chiyu Bank ).

10 At a glance The Plan is a universal life insurance plan denominated in RMB / USD. Upon receiving of premium, the Premium Charge will be deducted from the premium, and the remaining amount will be contributed to the policy for accumulating values. The fees and charges stated below will be deducted monthly from the Account Value while the policy is in force. Eligibility Issue Age Age 18 to age 75; Age 45 to age 65 (Applicable to Forever Glorious ULife Plan Simplifi ed only) Coverage Period Whole life Premium Payment Period Single-Pay / 5 Years / 10 Years Payment Mode Single-Pay / Annual / Monthly Policy Currency RMB / USD Payment Currency HKD / USD / RMB Minimum Sum Insured RMB3,000,000 / USD400,000 Maximum Sum Insured RMB18,000,000 / USD3,000,000 (Applicable to Forever Glorious ULife Plan Simplifi ed only) Minimum Unscheduled Top-Up Premium Benefi ts Death Benefi t RMB100,000 / USD15,000 (Unscheduled Top-Up Premium is applicable to Single- Pay policy only. If policy owner pays any Unscheduled Top-up Premium, Surrender Charge and / or Partial Surrender Charge will be adjusted by BOC Life) For death before the Policy Anniversary immediately following the Insured s 120 th birthday: Equals to the Sum Insured or Account Value, whichever is higher, and less any indebtedness, fees and charges (if any) For death on or after the Policy Anniversary immediately following the Insured s 120 th birthday: Equals to the Account Value, and less any indebtedness, fees and charges (if any) The following is applicable to Forever Glorious ULife Plan Simplified only For death on or before the 2 nd Policy Anniversary (other than Accidental Death): Equals to the lower of 1) and 2), less any indebtedness, fees and charges (if any): 1) Total premium paid minus Partial Withdrawal Amount; or 2) The Sum Insured or the Account Value (whichever is higher) Accidental Death of the Insured occurs on or before the 2 nd Policy Anniversary, or for death after the 2 nd Policy Anniversary, and before the Policy Anniversary immediately following the Insured s 120 th birthday: Equals to the Sum Insured or the Account Value, whichever is higher, and less any indebtedness, fees and charges (if any) For death on or after the Policy Anniversary immediately following the Insured s 120 th birthday: Equals to the Account Value, and less any indebtedness, fees and charges (if any) Terminal Illness Benefi t Death Benefit will be payable in advance upon diagnosis of Terminal Illness 1 subject to a maximum of RMB12,500,000 / USD2,000,000 (for all policies providing terminal illness benefit issued by BOC Life for the Insured), and less any indebtedness, fees and charges (if any). Sum Insured will be reduced by RMB12,500,000 / USD2,000,000 accordingly If the Sum At Risk 2 is equal to or less than RMB12,500,000 / USD2,000,000, full amount of Death Benefi t will be payable and the policy will be terminated upon payment of the benefi t This benefi t is only applicable for Terminal Illness suffered on or after the 2 nd Policy Anniversary (Applicable to Forever Glorious ULife Plan Simplifi ed only) 24-Hour Worldwide Emergency Assistance Service 3 Covering emergency medical assistance and referral services

11 Crediting Interest Rates Current Crediting Interest Rate (non-guaranteed) Minimum Crediting Interest Rate (guaranteed) Partial Withdrawal and Change of Sum Insured Partial Withdrawal 4 (once per policy year) Change of Sum Insured Fees and Charges 7 Premium Charge Policy Fee 8 Cost of Insurance 8 Surrender Charge 8 / Partial Surrender Charge % p.a. (RMB policy) / 3.90% p.a. (USD policy) On the 1 st and 2 nd policy years, the Crediting Interest Rate at policy issuance applies; from the 3 rd policy years onwards, the rate will be 2.25% p.a. (RMB policy) / 2.25% p.a. (USD policy) Minimum withdrawal amount is RMB10,000 / USD1,500. From the 1 st to 10 th policy years, the withdrawal amount must not exceed 20% of the Surrender Value 5 at that time, and the Sum Insured and the Account Value will be reduced 6 accordingly. From the 11 th policy year onwards, there will be no reduction on Sum Insured if the withdrawal amount does not exceed or equal to 5% of the Account Value at that time; otherwise the Sum Insured will be reduced by the withdrawal amount 6 in excess of 5% of the Account Value at that time Sum Insured can be increased or decreased from the 3 rd policy year onwards subject to underwriting in case of increasing Sum Insured, and possible payment of Partial Surrender Charge in case of decreasing Sum Insured 6% of all premiums Deducted monthly from Account Value during the fi rst 15 policy years Deducted monthly from Account Value Deducted from Account Value Notes: The Policy Owner is subject to the credit risk of BOC Life. If the Policy Owner discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefi t he / she will get back may be considerably less than the amount of the premium he / she has paid. Past, current, projected and / or potential benefi ts and / or returns (e.g. bonuses, dividends, interests) presented herein are not guaranteed and are for illustrative purposes only. The actual future amounts of benefi ts and / or returns may be lower than or higher than the currently quoted benefi ts and / or returns. For enquiry, please visit any branch of the following major insurance agent banks: Bank of China (Hong Kong) Limited (852) Nanyang Commercial Bank, Limited (852) Chiyu Banking Corporation Limited (852)

12 Investment Strategy, Philosophy in Deciding Crediting Interest Rates and Historical Crediting Interest Rates: Under normal circumstances, the major markets invested by BOC Life include, but not limited to, North America, Europe and Asia markets. The assets supporting the policies under the Plan mainly consist of the following: Fixed income instrument or interest-bearing securities (including but not limited to government and corporate bonds, etc.) Growth asset (including but not limited to equity investment, mutual funds, properties investment, etc.) Mix 80%-100% 0%-20% With the aim of achieving our long term investment target, BOC Life, at our sole discretion, reserves the right to adjust the aforementioned asset allocation when there are material changes in market outlook and condition, or engage in other fi nancial arrangements including but not limited to reinsurance arrangement. BOC Life aims at investing in assets denominated in policy s currency. If the currency of which the assets are denominated is not the same as policy currency, BOC Life may use derivatives to manage the impact of currency risk. For the latest Investment Strategy, please refer to BOC Life website Crediting Interest Rate of Universal Life Policies: For universal life insurance business, the asset portfolio is constructed to support the crediting interest rate for the policy. It also allows policy owners to receive a share of profi ts attributable to the universal life insurance business of our company by means of crediting of interest. To accomplish the purpose, we invest in a wide range of asset portfolios that are prudently chosen by BOC Life to balance the risk. In general, the asset portfolios mainly consist of fi xed income investment securities and equity investments. The actual crediting interest rate is determined by the stipulated approach in BOC Life s policy, which is based on a number of factors, including but not limited to, market conditions, actual investment return in the past and long-term expectation of investment return in the future. Future crediting interest rate may vary from time to time over the policy term, but will not be less than the minimum crediting interest rate as specifi ed in the policy provisions, endorsements and / or amendments. The actual crediting interest rate is recommended by our Appointed Actuary according to the aforementioned BOC Life s policy and approved by the Board of Directors of BOC Life. In light of the above factors, crediting interest rate is not guaranteed and may be higher or lower than the values illustrated in the benefi t illustration provided at point of sale. You may browse the following website, to understand BOC Life s crediting interest rate history for reference purposes. Please be reminded that the crediting interest rates shown on the website are before the deduction of any relevant policy charges (e.g. Premium Charge, Cost of Insurance, Policy Fee, etc.). Please note that past performance of crediting interest rate is not an indicator for its future performance. Risk Disclosure of RMB and USD Insurance: RMB and USD policies are subject to exchange rate risk. The exchange rate between RMB and HKD or USD and HKD may rise as well as fall. Therefore, if calculated in HKD, premiums, fees and charges (where applicable), account value / surrender value and other benefi ts payable under RMB or USD policy will vary with the exchange rate. The exchange rate between RMB and HKD or USD and HKD will be the market-based prevailing exchange rate determined by BOC Life from time to time, which may not be the same as the spot rate of banks. The fl uctuation in exchange rate may result in losses if a customer chooses to pay premiums in HKD, or requests the insurer to pay the account value / surrender value or other benefi ts payable in HKD, for RMB or USD policy. RMB Conversion Limitation Risk - RMB Insurance are subject to exchange rate fl uctuations which may provide both opportunities and risks. The fl uctuation in the exchange rate of RMB may result in losses in the event that the customer converts RMB into HKD or other foreign currencies. (Only applicable to Individual Customers) RMB is currently not fully freely convertible. Individual customers can be offered CNH rate to conduct conversion of RMB through bank accounts and may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance. (Only applicable to Corporate Customers) RMB is currently not fully freely convertible. Corporate customers that intend to conduct conversion of RMB through banks may occasionally not be able to do so fully or immediately, for which it is subject to the RMB position of the banks and their commercial decisions at that moment. Customers should consider and understand the possible impact on their liquidity of RMB funds in advance.

13 Other Key Risks: Key exclusion: No Terminal Illness Benefi t will be payable resulting (directly or indirectly) from, or related to, or caused by or contributed (in whole or in part) by any of the following: (a) If the symptoms or conditions of which or the Diagnosis of which fi rst appeared or occurred: (i) within the fi rst two Policy Anniversary (Applicable to Forever Glorious ULife Plan-Simplifi ed only), within 90 days immediately following the Policy Issue Date, or within 90 days immediately following the Reinstatement Date, whichever is later; or (ii) within 90 days immediately following the effective date of any increase in the Sum Insured. (b) Any Pre-existing Conditions unless the Policy Owner / Insured makes a declaration in the Application of this Policy, or in the application of reinstatement of this Policy or in the application of increasing the Sum Insured, and such application is specifi cally accepted by the Company; (c) Where the Diagnosis of Terminal Illness of the Insured was directly or indirectly due to Acquired Immunodefi ciency Syndrome (AIDS) or infection by any Human Immunodefi ciency Virus (HIV). Infection shall be deemed to have occurred where blood or other relevant tests indicate either presence of HIV or antibodies to HIV. Under the Plan, the defi nition of AIDS shall be that used by the World Health Organization in 1987, as may be revised by the World Health Organization from time to time; (d) Attempted suicide or any self-infl icted act, while sane or insane, and while intoxicated or not; (e) Congenital deformities or anomalies; (f) Professional sports, racing of any kind, underwater activities involving the use of breathing apparatus, aerial fl ights (including bungeejumping, hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member or as a fare-paying passenger on a licensed carrying commercial aircraft operating in a regular scheduled route or any hazardous activities or sports unless agreed by special endorsement. The premium payable of the Plan and / or the Rider (if any) at the time of application and renewal, and fees and charges while the policy is inforce are calculated based on the following factors (if applicable), including but not limited to the Sum Insured, gender, issue age, attained age, smoking habit, premium payment term, underwriting class, risk class and residency and is not guaranteed. Unless otherwise stated in the policy documents, some fees and charges, including Premium Charges, Policy Fee, and Cost of Insurance (if applicable), are not guaranteed. BOC Life has the discretion to adjust such fees and charges from time to time. BOC Life reserves the right to review and adjust the premium payable, fees and charges at any time. Factors leading to such adjustment include but not limited to emergence of difference between actual experience and current expectation. The Policy Owner should pay premium on time during the premium payment term. It may result in lapse or termination of the policy if the required amount (such as premium) is not made before expiry of the grace period (if applicable) as prescribed by BOC Life. If the policy is terminated or lapsed due to non-payment of premium, the surrender value received by the Policy Owner may be less than the total premiums paid and the Policy Owner will lose the insurance protection provided by the policy. BOC Life may terminate the policy before the maturity date if any one of the following events occurs: (i) the death of the Insured; or (ii) BOC Life approves the Policy Owner s written request for surrender; or (iii) the Policy Owner fails to pay the required amount by BOC Life before expiry of the grace period; or (iv) payment of the Terminal Illness Benefi t (if applicable) by BOC Life. The actual rate of infl ation may be higher than expected, therefore the amount you receive may be less in real terms. The policy may lapse when the account value falls to zero or negative.

14 Remarks: 1. Terminal Illness means the conclusive Diagnosis of an illness that is expected to result in the death of the Insured within twelve (12) months. This Diagnosis must be confi rmed by BOC Life s appointed doctor. 2. Sum At Risk means the amount by which the Sum Insured exceeds the Account Value. The amount of Sum At Risk will not be lower than zero (0) Hour Worldwide Emergency Assistance Services are provided by Inter Partner Assistance Hong Kong Limited in accordance with the Conditions for Services pursuant to Life Insurance Supplementary Emergency Assistance Services and Benefi ts. The services are not guaranteed for renewal and BOC Life reserves the right to withhold or amend the said services at its sole discretion. 4. No Partial Withdrawal is allowed if the Partial Withdrawal, once effective, will reduce the Surrender Value 5 to a level below the Minimum Surrender Value of RMB200,000 / USD30,000 or will reduce the Sum Insured to a level below the Minimum Sum Insured of RMB3,000,000 / USD400, Surrender Value means the Account Value less any applicable Surrender Charge and indebtedness. 6. Payment of Partial Surrender Charge may be required in case of reduction of Sum Insured. 7. Premium Charge, Policy Fee and Cost of Insurance are not guaranteed but shall under no circumstances exceed the applicable maximum rate as specifi ed in the Policy Specifi cations. Advance notice will be given if any change has been made on the above fees and charges. 8. Policy Fee and Surrender Charge / Partial Surrender Charge are determined by the Sum Insured, policy year, gender, issue age, risk class and residency (if policy owner pays any Unscheduled Top-up Premium, Surrender Charge and / or Partial Surrender Charge will be adjusted by BOC Life); while the Cost of Insurance is determined by the Sum At Risk 2, gender, attained age, risk class and residency. Important Notes: The Plan is underwritten by BOC Life. BOCHK, NCB and Chiyu Bank are the major insurance agent banks appointed by BOC Life. BOC Life is authorised and regulated by Insurance Authority to carry on long term business in the Hong Kong Special Administrative Region of the People s Republic of China. BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application. The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the Insured items and coverage, provisions and exclusions. BOCHK, NCB and Chiyu Bank are the appointed agents of BOC Life for distribution of life insurance products. The life insurance product is a product of BOC Life but not BOCHK, NCB and Chiyu Bank. In respect of an eligible dispute (as defi ned in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK, NCB or Chiyu Bank and the customer out of the selling process or processing of the related transaction, BOCHK, NCB or Chiyu Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly BOC Life and the customer. Should there be any discrepancy between the Chinese and English version of this promotion material, the English version shall prevail. This promotion material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sales or provision of any products of BOC Life outside Hong Kong. Please refer to the policy documents and provisions issued by BOC Life for details (including detailed terms, conditions, exclusions, policy costs and fees) of the Plan. For enquiry, please contact the branch staff of the major insurance agent banks. This promotion material is published by BOC Life.

15 Printed in May 2018 FGULP/L/V12/0518