MANULIFE INSURANCE BERHAD (814942-M) Menara Manulife, 6, Jalan Gelenggang Damansara Heights, 50490 Kuala Lumpur Tel: (03)2719-9112

Fax: (03)2092-2960

MAXSHIELD PLUS WITH IPB Insured's Details Name : Sex : (Mr) RK M Smoker : N Life : STD Life : STD Med1 : STD Dur : 0 Proposal Date : 12/01/2012 Plan Details Term # Ext Rate 57 57 57 25 23 23 18 AIP : 2 CI : 1.0 Med2 : STD Dur : 0 Age Next : 42 (Age last : 41) ADD : 1 TPD : STD Med3 : STD Dur : 0 Payment Mode : Face Amount(RM) 60,000 10,000 200 5,000 20,000 20,000 50 Annual ADB : 2 TPD : STD

Occupation Rating Medical Rating Special Medical Rating

Investment-Linked Insurance Plan MAXSHIELD PLUS WITH IPB ACCELERATED CI MANUCARE100 LINK (NO CO-INS.) CI INCOMELINK BENEFIT ACC. DEATH & DISMEMBERMENT ACC. INDEMNITY HOSPITALISATION BENEFIT

Modal Premium(RM)* 5,000.00

Total Investment-Linked Insurance Modal Premium At Year One

5,000.00

TOTAL MODAL PREMIUM PAYABLE AT YEAR ONE (RM) Others Modes of Payment At Year One: (Excluding Future Premium, if any) Annual : 5,000.00 Half-Yearly : 2,500.00 Quarterly : 1,250.00 Appointed Distributor: Address : R KARTHIKESU 2nd Floor; Bangunan Ang , No 1 Jalan Jeram Taman Tasek 80200 Johor Bahru Telephone : 010 8817169

5,000.00

Monthly :

416.67

Prepared On : 12/01/2012

* = Coverage for riders (if any) is paid from the basic premiums. # = This policy term is subject to the availablity of Account Value after deducted all policy charges.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 1 of 19

Plan Type: Investment Fund(s) EQUITY FUND

Regular Premium Investment-Linked Insurance Ratio of fund(s) chosen/Investment Allocation 100%

See below for the description of the funds. Charges: See below for the description of the charges.

IMPORTANT: THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. 1. You should read this illustration together with the fund fact sheet(s) of the investment fund(s) which you have chosen. The fund fact sheet contains all the important information that you will need to know regarding the investment fund(s). 2. Since the net premium allocation for the first and second policy year is 40.00% and 45.00% respectively to purchase units, while the net premium allocation for MAXISAVE 2 (Regular Premium Top-Up) is 95.00% to purchase units, policyholders can maximise their investment value by minimising their annual premium and maximising their Top-Up. Minimum insurance premium required for each payment mode is: Annual - RM1200.00 Semi-Annual - RM600.00 Quarterly - RM300.00 Monthly - RM100.00 Minimum Regular Premium Top-Up is subject to the following : Annual - RM100.00 Semi-Annual - RM50.00 Quarterly - RM25.00 Monthly - RM10.00 3. If you purchase a Regular Premium Investment-Linked insurance that involve a premium of sizeable amount which is RM5,000 and above, or your primary purpose is investment, this plan may not be suitable for you and you may want to consider purchasing top-up riders that offer better allocation rates for investment. 4. Your Investment-Linked insurance policy will lapse/terminate if there are insufficient units in your funds to pay the required charges.Your units could be insufficient over the years due to: -High insurance charges if you buy a lot of riders, and especially if the charges will increase over time as you get older -Poor investment returns -Premium holiday - i.e. if you stop paying premiums for a long period of time WARNING YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY.* * You should ask the agent/broker/financial adviser to explain to you about the insurance charges and its effect on your future insurance coverage.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 2 of 19

SUMMARY ILLUSTRATION:
1. This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of fees and charges on cash values based on illustration below. The illustration is inclusive of loyalty reward. Please see below for the criteria of loyalty reward. 2. The projected death benefit and investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s). They are not guaranteed and not based on past performance. 3. Account Value and Death Benefit will be based on the performance of the funds invested. The performance of the funds are NOT GUARANTEED. 4. Actual returns of the funds will fluctuate (i.e. rise or fall) each year based on the performance of the assets the funds invest in. Over the years, the actual returns may even be below the projected rates or negative.

MAXSHIELD PLUS WITH IPB End of Premium Policy Payable Year for Total Unallocated Allocated GUARANTEED the Premium Premium1 Premium Year Paid Basic Face Amount
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
1This 2Direct

NON GUARANTEED Projected Investment Return (per annum) Scenario 1 (9/6%) Scenario 2 (2%) Account Death Account Death Value Benefit Value Benefit
934 2,160 4,757 7,590 11,053 15,065 19,710 24,705 29,854 35,078 40,456 46,202 52,117 58,310 64,426 70,771 77,365 84,235 91,453 97,730 101,450 105,164 108,868 112,937 115,164 117,539 119,730 121,678 123,381 123,118 60,934 65,160 70,757 76,590 83,053 90,065 97,710 105,705 113,854 122,078 130,456 139,202 148,117 157,310 166,426 175,771 185,365 195,235 205,453 214,730 221,450 225,164 228,868 232,937 235,164 237,539 239,730 241,678 243,381 243,118 846 1,907 4,182 6,518 9,269 12,321 15,722 19,165 22,443 25,466 28,308 31,160 33,812 36,353 38,423 40,320 42,049 43,618 45,080 45,162 45,026 44,738 44,291 44,055 41,851 39,698 37,263 34,495 31,401 26,302 60,846 64,907 70,182 75,518 81,269 87,321 93,722 100,165 106,443 112,466 118,308 124,160 129,812 135,353 140,423 145,320 150,049 154,618 159,080 162,162 165,026 164,738 164,291 164,055 161,851 159,698 157,263 154,495 151,401 146,302

Direct Age Dist. at Cost2 Year End

5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000

5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 55,000 60,000 65,000 70,000 75,000 80,000 85,000 90,000 95,000 100,000 105,000 110,000 115,000 120,000 125,000 130,000 135,000 140,000 145,000 150,000

3,000 2,750 1,500 1,400 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

2,000 2,250 3,500 3,600 4,250 4,600 5,000 5,100 5,000 5,100 5,000 5,100 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000

60,000 63,000 66,000 69,000 72,000 75,000 78,000 81,000 84,000 87,000 90,000 93,000 96,000 99,000 102,000 105,000 108,000 111,000 114,000 117,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000

1,500 1,750 750 1,000 1,000 1,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72

represents a charge to your premium and is used to meet the direct distribution cost and company's expenses. Distribution Cost = Cost directly attributable to the distribution channel for the sales of this policy, i.e. payments to agent/broker/financial adviser. This cost is paid from the charges that are imposed on your policy for services that the agent/broker/financial adviser will provide to you for the duration of your policy. Direct Distribution Cost will not be paid in the year where premium is not paid.

Projected Investment Rate of Return

1. The investment returns used for benefits projection represent the range of possible returns on the Investment Funds

Projected Gross Investment Returns (per annum)* Scenario 1 (9/6%) Scenario 2 (2%) Fund Policy Year 1 to 20 Policy Year 21 to 30 All Policy Years EQUITY FUND 9% 6% 2% * Before deduction for tax and fund management charge.
2. The assumed investment returns represent a range of possible returns that may be achieved on Manulife Investment Funds. They do not represent the maximum and minimum limit of the actual investment rate that may occur. 3. Please refer to the fund fact sheet for the past actual annual investment returns.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 3 of 19

4. The actual returns of Manulife's funds for the past 5 years are: Managed Fund January 2006 to December 2006 28.91% January 2007 to December 2007 44.76% January 2008 to December 2008 -29.40% January 2009 to December 2009 40.69% January 2010 to December 2010 18.82% Equity Fund January 2006 to December 2006 31.67% January 2007 to December 2007 55.25% January 2008 to December 2008 -34.48% January 2009 to December 2009 45.18% January 2010 to December 2010 23.53% Income Fund January 2006 to December 2006 4.76% January 2007 to December 2007 3.87% January 2008 to December 2008 3.22% January 2009 to December 2009 3.02% January 2010 to December 2010 3.29% Dana Ekuiti Dinamik January 2006 to December 2006 19.05% January 2007 to December 2007 47.11% January 2008 to December 2008 -31.69% January 2009 to December 2009 42.27% January 2010 to December 2010 21.44% Manulife China Value Fund November 2007 to December 2007 -0.19% January 2008 to December 2008 -40.32% January 2009 to December 2009 52.02% January 2010 to December 2010 3.20% Manulife Emerging Eastern Europe Fund November 2007 to December 2007 -0.07% January 2008 to December 2008 -55.97% January 2009 to December 2009 100.81% January 2010 to December 2010 -4.57% 5. Please note that the actual returns of funds are nett of any charges that may be levied. 6. The past actual returns of fund is not a guide to future returns of fund which may be different. 7. With the discontinuation of KLCI Index, Managed Fund and Equity Fund that were benchmarked against KLCI has been changed accordingly. Effective from July 2009, Managed Fund is benchmarked against 70% FBM100 + 30% RAM Quant Shop MGS All Index and Equity Fund is now benchmarked against FBM100. Dana Ekuiti Dinamik is benchmarked against FTSE Bursa Malaysia Emas Shariah Index (FBMS Index). Income Fund is benchmarked against 12th-month Mayban Fixed Deposit Rate. 8. Manulife China Value Fund is benchmarked against FTSE All World Greater China (FTAW 10 Index) while Manulife Emerging Eastern Europe Fund is benchmarked against MSCI Emerging Eastern Europe Index (MXME Index) 9. Listed below is the selected benchmark indices for the past 5 years. Year 2006 2007 2008 2009 2010 FBM KLCI 21.83% 31.82% -39.33% 45.17% 19.34% FBMS Index 26.52% 45.57% -43.52% 43.03% 18.20% FBM 100 48.00% 21.76% 70% FBM 100 + 30% RAM QS MGS All 30.26% 16.60% 12-th Month MayBank FD Rate 3.79% 3.70% 3.68% 2.54% 2.77% FTAW 10 Index -48.28% 64.19% 0.11% MXME Index -68.17& 78.25% 1.19%

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 4 of 19

MAXSHIELD PLUS WITH IPB End of Policy Year NON GUARANTEED Insurance Charges Basic Optional Benefit(s) Scenario 1 Scenario 2 Scenario 1 Scenario 2
132 155 183 214 250 292 338 389 447 493 567 649 743 847 959 1,077 1,199 1,325 1,465 1,552 1,740 1,912 2,106 2,085 2,302 2,541 2,801 3,115 3,419 3,721 132 155 183 214 250 292 338 389 447 493 567 649 743 847 959 1,077 1,199 1,325 1,465 1,552 1,740 1,912 2,106 2,085 2,302 2,541 2,801 3,115 3,419 3,721 967 982 998 1,013 1,223 1,239 1,256 1,275 1,292 1,613 1,630 1,647 1,663 1,678 2,045 2,106 2,158 2,198 2,171 3,465 3,495 3,475 3,438 3,247 4,994 4,697 4,710 4,721 4,732 6,422 967 982 998 1,013 1,223 1,239 1,256 1,275 1,292 1,613 1,630 1,647 1,663 1,678 2,045 2,106 2,158 2,198 2,171 3,465 3,495 3,475 3,438 3,247 4,994 4,697 4,710 4,721 4,732 6,422

Fund Management Charge Scenario 1

7 23 52 93 140 196 261 333 409 487 567 650 737 828 921 1,014 1,111 1,212 1,318 1,419 1,494 1,550 1,605 1,664 1,711 1,745 1,780 1,811 1,838 1,849

Scenario 2
6 21 46 80 118 162 210 262 312 359 403 446 487 526 561 591 618 643 665 677 676 673 668 663 644 612 577 538 494 433

Other Charges
60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60

Age at Year End

43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 5 of 19

NOTE: 1. Manulife Insurance Berhad believes it is important that the you fully appreciate all the benefits under the policy and that you also understand how the cost of insurance protection, distribution, administration, investment and other costs affect these benefits. 2. You should satisfy yourself that this plan will best serve your needs and that the premium payable under the policy is an amount you can afford. If you need clarification, please contact us or your agent. 3. Please note that a life insurance policy is a long term commitment and as such it is not advisable to hold the policy for a short period of time in view of the high initial cost. 4. The information set out below explains the individual items in the sales illustration table. Premium Payable for the Year / Total Premium Paid 1. This is the amount that you (the policyowner) pay for this policy. Take note that not all the amount paid will be invested into your investment fund(s) you selected. See explanation on unallocated and allocated premium below. Unallocated Premium Kadar premium yang tidak diagihkan 1. The unallocated premium charge is an upfront charge on the premium paid and is used to meet insurer's expenses and direct distribution cost, including the commissions payable to the agency/broker/financial adviser. Caj bagi premium yang tidak diagihkan adalah caj pendahuluan ke atas premium yang dibayar dan digunakan untuk perbelanjaan dan kos pengedaran langsung polisi, termasuk bayaran komisyen kepada Agensi/broker /penasihat kewangan. 2. The agent/broker/financial adviser may also be entitled to production and persistency bonus during the first three years of the policy provided that the agent/broker/financial advisor meets the qualifying criteria set by the insurer. Agen/broker/penasihat kewangan mungkin juga layak menerima bonus produksi dan penerusan polisi untuk tiga tahun polisi yang pertama, dengan syarat agen/broker/penasihat kewangan menepati kriteria yang ditetapkan. Allocated Premium Kadar premium yang diagihkan 1. This is the amount that will be used to purchase units in the investment fund(s) of your choice. Amaun ini adalah digunakan untuk membeli unit pelaburan yang anda pilih. 2. The net allocation rates for this Investment-Linked insurance policy with loyalty reward are as follows (as a % of premiums): Kadar pengagihan bersih bagi pelan berkaitan pelaburan dengan ganjaran setia adalah seperti berikut (% daripada premium):

Policy Year

1 2 3 4 5 6 7 8 9 10 11 12 13 and above

Premium Paid for MAXSHIELD PLUS WITH IPB 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00

Allocated Premium % RM 40.00 45.00 70.00 72.00 85.00 92.00 100.00 102.00 100.00 102.00 100.00 102.00 100.00 2,000.00 2,250.00 3,500.00 3,600.00 4,250.00 4,600.00 5,000.00 5,100.00 5,000.00 5,100.00 5,000.00 5,100.00 5,000.00

Note: Premium excluded business tax (if any) Nota: Premium tidak termasuk cukai perkhidmatan (jika ada) If the loyalty reward is not applicable, the net allocation rates for Maxisave2 is 95% and the net allocation rates for insurance premium of this Investment-Linked insurance policy are as follows (as a % of premiums): Kadar pengagihan bersih bagi Maxisave2 tanpa ganjaran setia adalah 95% dan kadar pengagihan bersih bagi premium insurance untuk pelan berkaitan pelaburan tanpa ganjaran setia adalah seperti berikut (% daripada premium):

Policy Year Allocated Premium for basic

1 40.0

2 45.0

3 70.0

4 70.0

5 85.0

6 90.0

7 and above 100.0

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 6 of 19

Basic Face Amount 1. This is the minimum amount to be received on death or when you become TPD, as long as the policy is still inforce or there are sufficient units in your account to pay for all the policy charges. Charges Caj 1. These charges are taken out of your investment fund(s). Caj ini akan diambil daripada dana pelaburan anda. 2. The illustrated insurance and other charges are based on current levels. These are not guaranteed and may be varied from time to time by giving 90 days notice to policyowners. Ilustrasi insurans dan caj-caj lain adalah berdasarkan kadar semasa. Kadar ini tidak dijamin dan mungkin berubah dari masa ke semasa dengan memberi notis 90 hari kepada pemegang polisi. 3. The Insurance Charge for the insurance coverage will be levied every month by deducting sufficient number of Units at the Net Asset Value (NAV) from the Account Value. The insurance charge for insurance coverage varies by the attained age,sex,occupation, medical rating and smoking status. The insurance charges will increase as you grow older. Yuran Insurans untuk perlindungan insurans akan dikenakan levi setiap bulan, dengan menolak bilangan unit yang mencukupi pada Net Asset Value (NAV) daripada Nilai Akaun. Yuran Insurans untuk perlindungan insurans adalah berbeza berdasarkan umur tercapai, jantina, pekerjaan, tahap kesihatan dan tabiat merokok. Yuran Insurans akan meningkat mengikut umur. 4. A monthly Administration Charge will be levied every month by deducting sufficient number of Units at the NAV from the Account Value. For monthly payment mode, the monthly Administration Charge is RM6. For other payment modes, the monthly Administration Charge is RM5. Yuran Pentadbiran Bulanan akan dikenakan levi setiap bulan, dengan menolak bilangan unit yang mencukupi pada NAV daripada Nilai Akaun. Bagi jenis bayaran premium bulanan, Yuran Pentadbiran Bulanan adalah RM6. Bagi jenis bayaran premium yang lain, Yuran Pentadbiran Bulanan adalah RM5. Account Value 1. This is the projected value of units at any particular point in time that you may receive if you surrender the policy and is net of tax and all applicable charges. 2. If the policy is terminated early, you may get less than the amount of premiums paid. Fund Management Charge Yuran Pengurusan Dana Tahunan 1. This refers to the annual management fee (% of investment fund) deducted to cover the cost of managing the investment fund. Ini merujuk kepada yuran pengurusan tahunan (% dana pelaburan) yang ditolak sebagai sebahagian daripada kos mengurus dana pelaburan. 2. Fund(s) Fund Management Charge Dana Yuran Pengurusan Dana Tahunan Equity Fund 1.50% Income Fund 0.75% Managed Fund 1.35% Dana Ekuiti Dinamik 1.50% Manulife China Value Fund 1.50% Manulife Emerging Eastern Europe Fund 1.50% Death Benefits 1. This is the amount that will be payable on your death. 2. Death benefit is not payable under this plan if death is due to the Insured, whether sane or insane, committing suicide, within 13 months after the Issue date or date of any reinstatement, whichever is later. This plan will become void and the Company will refund the Policy Charges and Account Value based on the NAV at the next Valuation Date following date of receipt of written notification. Supplementary Benefits 1. Please refer to "Rider Plans Description" below for the description on riders benefit and exclusions, if any. 2. The illustration shows the cost of the riders and the impact on the cash value.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 7 of 19

Basic Plan Benefits and Features 1. This is a regular premium investment-linked insurance plan. 2. Upon death during the term of the policy, It pays a lump sum Face Amount plus Account Value of the investment unit, at the time of claim. 3. For TPD benefit, please refer to the TPD BENEFIT section. 4. Inflation Protected Benefit (IPB) a) The face amount of the policy will be automatically increased by 5% of the original face amount every year at policy anniversary up to a maximum of 200% of the original face amount at 21st policy year and will stay level thereafter. Cost of Insurance will be determined based on the prevailing Face Amount. b) Upon request to decrease the face amount after inception, all future face amount increase under IPB will be discontinued and the decreased face amount will stay level thereafter. Cost of Insurance will be determined based on the prevailing Face Amount. 5. Loyalty Reward Loyalty Reward rewards policyowners for consistent premium payment. 2% extra premium allocation of the 4th, 6th, 8th, 10th and 12th annual premium will be given as long as the loyalty requirements are met. Loyalty reward is applicable to regular insurance premium including Maxisave2 attached at inception. The loyalty requirement will be in accordance with the following formula: Total Paid Modal Premiumsnote plus Total Top Up Investnote minus Total Withdrawalsnote is not less than Total Modal Premiums due to-datenote Note: From the inception of the policy until the validation date, inclusive. For further terms and conditions on Loyalty Reward, please refer to the policy contract. 6. On top of the IPB that increase 5% of original face amount every year, policyowners are allowed to increase or decrease the original face amount more than the multiples currently in place once every policy year after the first policy year without changing the regular premium subject to the Face Amount Requirement. An increase in the face amount will be subject to underwriting. The portion of increase face amount after inception will not enjoy any IPB. Take note that if you decide to increase face amount without changing the regular premium, there is a possibility the Account Value may not be sufficient to cover all policy charges. 7. Policyowners may increase or decrease the basic regular premium they are paying at any policy anniversary without changing the face amount subject to the minimum annual premium, the minimum and maximum Face Amount Requirement. Take note that if you decide to decrease the basic regular premium without changing the face amount, there is a possibility the Account Value may not be sufficient to cover all policy charges. 8. On surrender (full withdrawal), this plan will pay the Account Value, if any. 9. Partial withdrawals can be made at any time subject to conditions: The minimum withdrawal amount is RM1,000 for each fund and the minimum Account Value remaining in each fund is RM1,000. However, the minimum investment balance across all funds must be RM5,000. The Company may revise the above conditions from time to time. Please note that the plan may not be entitled for Loyalty Reward subsequently. 10. This plan also offers you the following flexibility: a) Fund Switching - Policyowners may switch investments between Manulife Investment Funds at any time free of charge. Minimum amount per switch is RM1,000. b) Regular Investment Top-Up - Policyowners may top-up their investments with a regular investment Top-Up/Maxisave 2 on every policy anniversary to maximize the investment value. 95% of the premium will be allocated to buy units at NAV from the Manulife Investment Fund that you have chosen for the basic plan. c) Single Premium Top-Up - Policyowners may top-up their investments with Top-Up Invest of at least RM1,000 to maximize the investment value. 95% of the top-up single premium will be allocated to buy units at NAV from any of the Manulife Investment Fund that you have chosen. Policyowner have the flexibility to invest in different funds as well as set different fund allocation than those of the basic plan. The face amount will not be increased by any top-up premium. Top-Up Invest can be made anytime provided all due regular premium (Insurance premium and Maxisave 2 premium) have been paid, subject to grace period allowed. The Company shall have full discretion to allocate any Single Premium Top-Up made towards any shortfall of the modal premium. In the event there is a balance, such balance will be allocated towards Top-Up Invest. INVESTMENT POLICY 1. It will be our policy to purchase investments that provide a favourable risk-return relationship. 2. A reasonable and prudent balance will be maintained and the principles of broad diversification within the approved investment mandates will be followed. 3. Adequate liquidity is to be maintained so as to have the ability to pay all obligations when due. 4. Manulife must also conform to investment-linked insurance guidelines for investment-linked funds of Bank Negara Malaysia and other relevant regulatory bodies. RIDER PLANS DESCRIPTION Accident Benefit(s)

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 8 of 19

1. Accident Indemnity Benefit provides insurance coverage for death or injuries resulting from accident prior to age 65 provided such loss occurs within 180 days from the accident. a) Death or Dismemberment Indemnity - payable as % of the Face Amount, subject to the schedule of indemnities - E.g. Loss of Life, Loss of 2 or more members - 100% of Face Amount will be payable b) Disability Indemnity - payable as % of the Face Amount, depending on the degree of disability - Temporary, total and continuous disability 0.6% of Face Amount per week (maximum = 27 weeks) - Temporary, partial and continuous disability 0.2% of Face Amount per week (maximum = 27 weeks) - Permanent, total and continuous disability 1% of Face Amount per month (maximum = 100 months) c) Medical Indemnity - Hospitalization in a licensed hospital - 0.3% per week of hospitalization (maximum = 10 weeks per accident) - Surgical Benefit - 1% to 3% of Face Amount will be payable, depending on the surgery performed d) Double Indemnity - The amount paid under Death or Dismemberment Indemnity and Medical Indemnity will be DOUBLE if the Insured sustains the loss while: (1) Travelling as a fare-paying passenger in any public conveyance licensed to carry passengers (excluding cable car, taxi or the like) over established land routes; or (2) As a passenger in a public lift elevator (excluding lift, elevator in mines and construction sites); or (3) Travelling as a fare-paying passenger on a regularly schedule flight of an international commercial airline 2. Upon payment of indemnities under item A of Schedule of Indemnities such that the cumulative indemnites paid under the item A from the Issue Date of the benefit equal to or exceeds 25% of the benefit's Face Amount, this benefit shall automatically terminate. Additional insurance charge will be levied every month. Manulife reserves the right to revise this insurance charge by giving 90 days prior written notice. 3. Accidental Death or Dismemberment Benefit provides insurance coverage for death or injuries resulting from accident prior to age 65 provided such loss occurs within 180 days from the accident. a) Death or Dismemberment Indemnity - payable as % of the Face Amount, subjected to the schedule of indemnities - E.g. Loss of Life, Loss of 2 or more members - 100% of Face Amount will be payable b) Double Indemnity - The amount paid under Death or Dismemberment Indemnity will be DOUBLE if the Insured sustains the loss while: (1) Travelling as a fare-paying passenger in any public conveyance licensed to carry passengers (excluding cable car, taxi or the like) over established land routes; or (2) As a passenger in a public lift elevator (excluding life, elevator in mines and construction sites); or (3) Travelling as a fare-paying passenger on a regularly schedule flight of an international commercial airline Additional insurance charge will be levied every month. Manulife reserves the right to revise this insurance charge by giving 90 days prior written notice. Hospital Benefit(s) 1. ManuCare100 Link provides high level whole life protection against major medical expenses, which may be incurred for major surgeries conducted for severe accidental injuries and major illnesses. BENEFITS R&B100 R&B150 R&B200 R&B300 R&B400 1) HOSPITAL AND SURGICAL BENEFITS a) Daily Hospital R&B (No Limit on Number of Days) b) Government Hospital Cash Benefit (up to 60 days per confinement)

R&B500

RM100 RM150 RM200 RM300 RM400 RM500 per day per day per day per day per day per day RM50 RM75 RM100 RM150 RM200 RM250 per day per day per day per day per day per day ------------------------------------------------------------------------

c) Hospital Intensive Care d) Additional Daily Hospital R&B whilst Overseas (up to 60 days per confinement) e) Hospital Miscellaneous Services f) Surgical Benefit g) Anaesthetist's Benefit h) Operation Theatre i) Attending Physician's Benefit j) Pre-Hospitalisation Benefit(within 60 days) - Specialist Consultation - Diagnotic X-Ray & Laboratory - Scans k) Post-Hospitalisation Benefit(Within 90 days)

Reimbursement of Necessary and Reasonable Charges, less the Co-Insurance Amount (if any).

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 9 of 19

- Outpatient Diagnostic X-Ray & Laboratory - Medical Expenses and Consultation -----------------------------------------------------------------------l) Emergency Accidental Injury Benefit* (per injury) m) Child (Age below 18) Daily Guardian Benefit (Max 120 days per policy year) n) Ambulance Fee* o) Non Medical Related Expenses* INDIVIDUAL ANNUAL LIMIT (RM) for items (a) to (o) 2) VALUE ADDED BENEFIT a) Pre-certification Hospitalization Programme b) Emergency Assistance Services RM2,000 RM50 per day RM2,000 RM75 per day RM2,000 RM100 per day RM2,000 RM150 per day RM2,000 RM200 per day RM2,000 RM250 per day

Up to RM500 per disability per policy year Up to the limit per disability per policy year RM100 RM150 RM200 RM300 RM400 RM500 80,000 120,000 160,000 240,000 320,000 400,000

Yes Yes

Yes Yes

Yes Yes

Yes Yes

Yes Yes

Yes Yes

2.

3.

4. 5.

6.

7.

8.

9.

c) International Emergency Medical Evacuation Benefit* RM100,000 per individual lifetime INDIVIDUAL LIFETIME LIMIT 200,000 300,000 400,000 600,000 800,000 1,000,000 (inclusive of International Emergency Medical Evacuation Benefit) (RM) *: Reimbursement of Necessary and Reasonable Charges Below are the indicative first year insurance charge of ManuCare100 Link (Without Co-ins.) for Male Insured with standard risk : Age ML Term* Insurance Charge 35 100 WholeLife 336.00 35 150 WholeLife 417.00 45 100 WholeLife 401.00 45 150 WholeLife 501.00 * This term is subject to the availability of Account Value after deducted all policy charges. The Insured's ManuCare100 Link will determine the whole policy whether it is co-insurance or without co-insurance. Manulife will pay the eligible expenses after deducting the Co-Insurance Amount (if applicable). Co-Insurance Amount shall mean: a) Zero percent (0%) of the total Eligible Expenses, if the Covered Member is confined to the hospital at a Room and Board rate that is lower or equal to the Daily Hospital Room and Board Benefit set forth in the Benefit Schedule or b) Ten percent (10%) of the total Eligible Expenses, if the Covered Member is confined to the hospital at a Room and Board rate that is higher than the Daily Hospital Room and Board Benefit set forth in the Benefit Schedule of the purchase plan, subject to the minimum or maximum amounts prescribed. c) For the benefits provided, the minumum and maximum amounts are RM300 and RM1,500 respectively. d) This co-insurance clause is not applicable to Outpatient Benefits Link. Manulife reserves the right to revise or adjust the Co-Insurance structure by giving a 90 days prior written notice. Eligible Expenses shall mean in relation to the benefits in the Benefit Schedule to which the Co-Insurance amount applies, any of the following actual expenses incurred, the description of which shall follow that of the Benefit Schedule which include Hospital Intensive Care, Additional Daily Room and Board Whilst Overseas, Hospital Miscellaneous Services, Surgical Benefit, Anesthetist's Benefit, Operation Theatre Benefit, Attending Physician's Benefit, Pre-Hospitalisation Benefit, Post-Hospitalisation Benefit, Outpatient Kidney Dialysis treatment, Outpatient Cancer treatment, Outpatient Stroke treatment as well as Day Surgery and Day Care Benefits. ManuCare100 Link and Outpatient Benefits Link (if any) shall be renewed annually, except in the event of fraud, misrepresentations or Portfolio Withdrawal of this package, as decided by Manulife, at the time of renewal. The insurance premium for first twenty-four (24) months beginning from the Issue Date of ManuCare100 Link and Outpatient Benefits Link (if any) is guaranteed. The subsequent insurance premium is subject to change by Manulife at Renewal Date by ninety (90) days prior written notice. Any revision in charges will apply to policies issued in the same risk class. Manulife reserves the right to cancel ManuCare100 Link and Outpatient Benefits Link (if any) on the renewal date if Manulife decides to discontinue underwriting the benefit's portfolio. Cancellation of these benefits by Manulife shall apply provided that the Portfolio Withdrawal has been notified to the Policyowner by mail to the elected correspondence address at least 90 days prior to the Renewal Date. ManuCare100 Link and Outpatient Benefits Link (if any) will not be terminated even though the Insured suffers total and permanently disability. The coverage will be continued as long as the Insured is alive and the insurance premium is payable up to date. In the event of the ManuCare100 Link (and Outpatient Benefits Link, if any) of Dependant is terminated while Dependants are still eligible to purchase the plans, where the termination is caused by death of the Insured or the expiry age of the Child or the Insured, the Dependants are entitled to purchase a new hospital and surgical plan for a benefit not exceeding the current benefit type (Room and Board) of this rider(s) without further evidence of insurability, provided the purchase is made within three (3) months from the termination date of

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 10 of 19

10.

11.

12. 13.

14.

existing coverage. For all the above mentioned conversion, all the extra insurance charges, exclusion clauses and previous claims amount of the existing policy for each of the Dependant, will be carried into the new policy. The waiting period of illnesses or specified illnesses shall be commenced from the Issued Date or any Reinstatement Date of the existing policy, whichever is later. ManuCare100 Link and Outpatient Benefits Link (if any) shall automatically terminate on the first occurrence of any of the following: a) The Policyowner gives the Company written notice requesting discontinuance and returns the Policy Contract to the Company for endorsement, or b) Insurance premium remains unpaid at the end of a grace period of thirty (30) days, or c) For premium paying medical riders, the basic policy lapses or expires or matures or is surrendered, or converted to extended term or reduced paid-up insurance, or d) On the expiry date of this Benefit as shown on Policy Information Page or Endorsement Page, or e) Upon death of the Insured, or f) On the policy anniversary prior to the Insured attains age next of 100 years. In addition, coverage on any individual Covered Member will be discontinued on the first occurrence of any of the following: (a) On the death of the said Covered Member,or (b) The total payments of benefits made for the said Covered Member equals to the Individual Lifetime Limit for Hospital & Surgical Benefits and Outpatient Benefits Link (if elected) set forth in the respective Benefit Schedules of the appropriate plan, or (c) On the policy anniversary prior to the Covered Member attains the following age next: Covered Member Age (Next Birthday) Insured 100 Spouse 100 Child 22 The termination of these Benefits shall be without prejudice to any claim arising prior to such termination. Hospitalisation Benefit (HB) provides, in the event the insured is hospitalized in a licensed hospital and regardless of the actual hospital expenses incurred,a daily benefit equal to the elected fixed amount is payable up to maximum of 365 days. This benefit shall be payable provided the Insured is confined in a hospital as a result of accidental injury occurs after the Issue Date or as a result of illness which first reveals itself after 30 days following the Issue Date or Reinstatement Date. Benefit in all cases will terminate when the Insured reaches age 60. Additional insurance charge will be levied every month. Manulife reserves the right to revise this insurance charge by giving 90 days prior written notice. Below are the indicative first year insurance charge of Hospitalisation Benefit (HB) for Male Insured with standard risk : Age Daily Benefit Insurance Charge 35 100 110 45 100 110

Critical Illness Benefit(s) 1. Accelerated CI will pay 100% of its face amount, in one lump sum, upon occurrence of one of the specified dread disease. The basic face amount is reduced by the amount claimed. If the Insured undergoes Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease, ( i) 10% of the Accelerated CI's Sum at Risk shall be payable, subject to a maximum of RM25,000. ( ii) The face amount for both RPIL insurance and Accelerated CI will be reduced by the amount claimed. (iii) This benefit is only payable once. Additional insurance charge will be levied every month. Manulife reserves the right to revise this insurance charge by giving 90 days prior written notice. 2. Below are the indicative first year insurance charge calculated at inception of Accelerated CI for Male Insured,non smoker with standard risk: Age Term* Face Amount Insurance Charge 35 Whole life 50,000 41.50 45 Whole life 50,000 122.00 * This term is subject to the availability of Account Value after deducted all policy charges. 3. CI IncomeLink Benefit will pay an annual income which is equal to the Face Amount of this benefit if the Insured is diagnosed of any one of the specified Dread Diseases. (i) Additional Insurance Charge will be levied every month. Manulife reserves the right to revise this insurance charge by giving 90 days prior written notice. (ii)The first Annual Income Benefit (AIB) shall be payable after the claim's approval, subject to the 30 days survival period. For first payment, a proportion of the AIB shall be payable where the proportion shall be the outstanding duration in months from the date of Covered Event till the next policy anniversary, divided by 12 months. Covered Event is the diagnosis/occurrence of one of the Covered Critical Illnesses. (iii)Subsequent AIB will be payable on every policy anniversary till the death of the Insured or expiry of this Benefit, whichever is earlier. (iv) If while the AIB is payable, the Insured claim for TPD under the basic plan, AIB will continue to be payable till the death of the Insured or expiry of this Benefit, whichever is earlier. For basic plan that is

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 11 of 19

packaged with critical illness benefit ,if the Insured is eligible to claim for both the critical illness coverage under the basic plan and AIB under this Benefit, both CI Benefit and AIB will payable. AIB will continue to be payable till the death of the Insured or expiry of this Benefit, whichever is earlier. 4. Below are the indicative first year insurance charge of CI Incomelink Benefit for Male Insured, non smoker, with standard risk: Age Term Face Amount Insurance Charge 35 20 1,200 17.63 45 20 1,200 46.70 5. List of Dread Diseases covered: 1. Heart Attack 14. End Stage Lung Disease 25. Paralysis/Paraplegia 2. Deafness/Total Loss of Hearing 15. Stroke 26. Muscular Dystrophy 3. Blindness/Total Loss of Sight 16. Major Head Trauma 27. Coronary Artery By-Pass Surgery 4. Cancer 17. Parkinson's Disease 28. End Stage Liver Failure 5. End Stage Kidney Failure 18. Coma 29. Loss of Independent Existence 6. Surgery to Aorta 19. Encephalitis 30. HIV due to blood transfusion 7. Heart Valve Surgery 20. Benign Brain Tumour 31. Major Organ/Bone Marrow Transplant 8. Loss of Speech 21. Motor Neuron Disease 32. Other Serious Coronary Artery Disease 9. Medullary Cystic Disease 22. Full Blown AIDS 33. Primary Pulmonary Arterial Hypertension 10. Chronic Aplastic Anaemia 23. Fulminant Viral Hepatitis 34. Severe Cardiomyopathy 11. Major Burns 24. Bacterial Meningitis 35. Multiple Sclerosis 12. Systemic Lupus Erythematosus with Lupus Nephritis 13. Alzheimer's Disease/Irreversible Organic Degenerative Brain Disorders TPD BENEFIT 1. If there is no medical plan, upon occurrence and continuance of total & permanent disability between the policy anniversaries where the Insured attains age 7 and 65 next birthday: a) Premium payment will cease b) The Administration Charge and Insurance Charge will cease c) The Face Amount up to RM1 million will be payable in one lump sum, provided the disability persisits for at least 6 months from the date of commencement of disability. The balance, if any shall be payable at the 12th month as long as the disability persists. d) If the disability is classified as Presumptive TPD, the waiting period of 6 months is not applicable. TPD Benefit shall be payable up to RM1 million in one lump sum. The balance, if any, shall be payable at the 6th month. e) If the Insured dies while TPD benefit is payable, then 100% of the Face Amount, less any payment shall be payable. f) Upon the final payment of TPD Benefit, the Account Value, calculated at the NAV at the next valuation date from the due date of the final payment, shall also be payable in one lump sum. g) No investment top-up shall be allowed. 2. Presumptive TPD is defined as: Loss of two (2) or more limbs or loss of all sight of both eyes or loss of one (1) limb and all sight of one eye. 3. If the TPD is classified as Presumptive TPD and it occurs prior to the policy anniversary before the Insured's attained age 7, the company shall pay the applicable Face Amount, in one lump sum,up to a maximum of RM300,000. The Face Amount will be reduced by the amount paid. 4. The maximum TPD Benefit payable on the same life with the Company is RM1 million. However, the Company may allow TPD Benefit up to RM2 million on a case-to-case basis. In this illustration, the following assumption are used: 1. The illustration given above takes into consideration not only the premium under the basic plan but also the premiums under any riders attached (if any). 2. Manulife refers to Manulife Insurance Berhad. FUNDS RELATED INFORMATION 1. The valuation of funds will be carried out on every business day basis. Transactions are carried out on a forward pricing basis, which means that all transactions carried out today will be based on the unit prices determined at the next valuation date and not the price currently available. 2. The value of funds shall be equal to the fair market value of all the funds assets at the close of the business day immediately preceding the Valuation Date, less funds liabilities,and less fund management charge. 3. Any investment income will be reinvested. 4. In the event of exceptional circumstances, such as high volume of sale of investment within a short period, the company reserves the right to defer or suspend issuance or redemption of units under the policy as determined by the company. 5. Fund Objectives EQUITY FUND This is an investment vehicle that enables investors to capitalize on the dynamic broad based growth through equity investments in various sectors of the Malaysian economy that are listed on Bursa Malaysia. It is suitable for investors who seek medium to long term capital appreciation and are able to tolerate short-term volatility. The equity exposure ranges from 50% to 95%. The fund manager of Equity Fund is CIMB-Principal Asset Management Berhad.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 12 of 19

INCOME FUND This is an investment vehicle that aims primarily to provide a steady return to investors through accumulation of capital over the long term. It is suitable for investors seeking stability of principal and a higher return compared to bank deposits but with an acceptable risk to capital invested. The Fund will principally be invested in fixed income securities, treasury products and money market instruments, collective investment schemes and any other permissible instruments or investment allowed by Bank Negara Malaysia and/or relevant regulatory bodies. The Fund invests only in Malaysian securities. The asset allocation is 70% invest in fixed income securities and 30% in money market instruments. The fund manager of Income Fund is Manulife Asset Management (Malaysia) Sdn. Bhd. MANAGED FUND This is an investment vehicle that enables investors to participate in the long-term growth of equities, and yet have the protection from a spread of fixed income securities. It is suitable for investors who seek a riskreward balance between equities and fixed income securities. The asset allocation is 70% invest in equity and 30% in fixed income securities. The fund manager of Managed Fund is CIMB-Principal Asset Management Berhad. DANA EKUITI DINAMIK This is an investment vehicle that seeks to maximize medium to long term capital appreciation by investing in Shariah-approved securities and equity-related securities listed on the Bursa Malaysia. The investmentlinked insurance plan itself is not a Shariah-compliant product. The asset allocation is 90% invest in equity and 10% in money market instruments. The fund manager of Dana Ekuiti Dinamik is CIMB-Principal Asset Management Berhad. MANULIFE CHINA VALUE FUND This Fund invests in the Manulife Global Fund - China Value Fund (MGF-CVF), which aims to achieve longterm capital growth through investment, primarily in companies with substantial business interests in the Greater China Region (which includes Peoples Republic of China, Hong Kong and Taiwan) which are listed on stock exchanges of Shanghai, Shenzhen, Hong Kong, Taipei or other overseas exchanges and which are currently under-valued but may have long term potential. This feeder fund invests at least 95% of its NAV in MGF-CVF. The fund manager of Manulife China Value Fund is Manulife Asset Management (Malaysia) Sdn. Bhd. The fund manager of MGF-CVFA is Value Partners Limited. MANULIFE EMERGING EASTERN EUROPE FUND This Fund invests in the Manulife Global Fund - Emerging Eastern Europe Fund (MGF-EEEF) which aims to achieve capital growth through investment, primarily in securities traded on the stock exchanges of Central and Eastern European countries. This feeder funds invests at least 95% of its NAV in MGF-EEEF. The fund manager of Manulife Emerging Eastern Europe Fund is Manulife Asset Management(Malaysia) Sdn Bhd. The fund manager of MGF-EEEF is Charlemagne Capital (UK) Limited. 6. The value of the fund may fall below the amount of premium paid and depends on the performance of the underlying investments. 7. The more accurate cash values would be provided in the Annual Statement of Account, when available. 8. The investment risks under the Investment Linked Insurance plan policy are borne solely by the policyholder. 9. The choice of funds should based on your tolerance to risk. Please seek advice from your agent /broker/financial advisor or your relationship manager or personal banker on your tolerance to risk. NOTES: 1. Guaranteed Death Benefit is inclusive of Death Benefit under the Investment Linked Insurance plan and any non-participating policy. The Face Amount for the Investment Linked Insurance plan shall not be applicable upon the exhaustion of the plan's Account Value. 2. If you stop premium payments, your policy benefits may reduce or your policy may lapse. 3. If you terminate your policy, you may get back less than the amount you have paid in. 4. For regular premium product, the Company will allow a grace period of thirty (30) days from the due date for the payment of each premium. During this period the Benefits under this Policy shall continue to apply. If any premium remains unpaid at the end of the grace period, and if the Policy has cash value, the Company shall administer the Policy on the basis of the Premium Holiday Benefit, otherwise the Policy shall automatically terminate. No notice will be given to the Owner. 5. Regular premium plan may be reinstated at the Owner's own expense at any time within three (3) years after the due date of Policy Charges in default, if it has not been surrendered. The reinstatement of this Policy will be subject to the Company's underwriting rules and satisfactory evidence of insurability. Such reinstatement shall only cover death or disability occurring thereafter. 6. Please be aware that if you decide to take a premium holiday, there will be a possibility of the policy lapsing when the required charges, including rider charges, exceed the value of Investment-Linked funds' units available. This plan can remain in force without payment of the Regular Premium only as long as the Account Value remains sufficient to cover all Policy Charges. Please note that this may not be entitled for loyalty reward due to premium holiday. 7. The assumptions used for this illustration are hypothetical. 8. This illustration includes a schedule that shows how the value of the policy changes overtime. This illustration is dependent on the continuation of current laws,expense and investment charges,tax practices and no cash withdrawal. The illustrated account values are net after deduction of investment tax and fund management charge.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 13 of 19

9. If you are switching from one type of MHI from other insurer to Manulife for a plan/rider/benefit that offers similar benefit, you may be subject to any/all of the following: a) All waiting period and exclusion period, whichever is applicable, will be reset; b) Your application will be subject to normal underwriting; c) Medical examination may be required by Manulife. 10. If this policy is attached with optional riders/benefits, this illustration has to be read together with the sales illustration of the basic plan only. 11. The applicable insurance protection shall only be provided effective from the Issue date or commencement date of this policy.Please refer to issue date and expiry date respectively in the policy contract for the commencement and expiry of the risk. 12. Should there be any complaint/dispute arising from the policy, you may refer to: a) Manulife Customer Service;or b) Financial Mediation Bureau - 25th floor,No 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur;or c) Customer Service of Bank Negara Malaysia - Consumer and Market Conduct, Bank Negara Malaysia, P.O.Box 10922, 50929 Kuala Lumpur.(Tel : 03-26988044 Fax: 03-26934051) d) BNM LINK, Ground Floor, Block D, Bank Negara Malaysia, Jalan Dato' Onn, 50480 Kuala Lumpur. e) BNMTELELINK, Jabatan Komunikasi Korporat, Bank Negara Malaysia, P.O.Box 10922, 50929 Kuala Lumpur. (Tel : 1-300-88-5465 (LINK), Fax: 03-21741515, E-mail: bnmtelelink@bnm.gov.my) 13. If you have any queries on this product or the policy contract, you may contact Manulife Customer Service, your agent or your relationship manager of your servicing bank for more details. 14. This product is principally designed as a package that gives you the flexibility to change the mix of insurance and savings to meet your needs. 15. For plan/rider/benefit that provide medical/hospitalisation benefits, please obtain a panel hospital list from Manulife Customer Service or your agent. This illustration is only an outline of benefits and features of the policy and does not form part of the policy contract. For details, please refer to the policy contract, issued by Manulife, licensed under the Insurance Act 1996 and regulated by Bank Negara Malaysia.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 14 of 19

PRODUCT DISCLOSURE SHEET

(Read this Product Disclosure Sheet before you decide to MANULIFE INSURANCE BERHAD (814942-M) take up the MAXSHIELD PLUS WITH IPB.Be sure to also read the MAXSHIELD PLUS WITH IPB general terms and conditions.) 12/01/2012 1. WHAT IS THIS PRODUCT ABOUT ? MAXSHIELD PLUS WITH IPB is a regular premium investment-linked insurance plan offers a combination of insurance protection and investment. The face amount of the policy will be increased by 5% of the original face amount every year at policy anniversary up to a maximum of 200% of the original face amount at 21st policy year and will stay level thereafter. Upon death during the term of the policy, It pays a lump sum face amount plus account value of the investment unit, at the time of claim. ACCELERATED CI pays 100% of its face amount in one lump sum on diagnosis/occurrence of one of the specified dread diseases. The face amount of the basic plan and this rider will be reduced by the amount claimed. MANUCARE100 LINK (NO CO-INS.) provides high level protection against major medical expenses, which may be incurred for major surgeries conducted for severe accidental injuries and major illnesses. CI INCOMELINK BENEFIT will pay an annual income which is equal to the Face Amount of this rider if the Insured is diagnosed of any one of the specified Dread Diseases. ACCIDENTAL DEATH AND DISMEMBERMENT BENEFIT provides insurance coverage for death or injuries resulting from accident prior to expiry of the policy provided such loss occurs within 180 days from the accident. ACCIDENTAL INDEMNITY BENEFIT provides insurance coverage for death or injuries resulting from accident prior to expiry of the policy provided such loss occurs within 180 days from the accident. HOSPITALISATION BENEFIT provides, in the event the insured is hospitalized in a licensed hospital and regardless of the actual hospital expenses incurred,a daily benefit equal to the elected fixed amount is payable up to maximum of 365 days. 2. WHAT ARE THE COVERS / BENEFITS PROVIDED ?

Funds Chosen
EQUITY FUND TYPE OF COVERAGE Death Natural Accidental Total & Permanent Disability (TPD) Critical Illness (CI) Hospitalization Hospitalization Benefit 100% Amount/Face Amount(RM) 60,000 100,000 60,000 10,000 Daily Benefits (Max 52 weeks): 50

Hospitalization & Surgical

Daily Room & Board H & S Benefit Individual Annual Limit Individual Lifetime Limit On Insured Yes On Spouse n/a

: : : :

200 Yes 160,000 400,000 On Children n/a

Outpatient Benefit

Individual Annual Limit Individual Lifetime Limit On Insured n/a On Spouse n/a

: :

n/a n/a On Children n/a

Accident Indemnity Dismemberment Disability Medical Annual Income Benefit Death / TPD Critical Illness

Yes Yes Yes On Insured n/a 5,000

On Payor n/a n/a

On Spouse n/a n/a

Note: Details of covers / benefits/ Juvenile Lien are given in the sales illustration. Note: Coverage is increasing if MaxShield Plus with IPB and/or Accelerated CI with IPB is selected. Reminder:Please read the sales illustration which includes product benefits and objectives of the investmentlinked fund. It is important to select a plan or a combination of funds that suit your financial goal and risk profile.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 15 of 19

3. HOW MUCH PREMIUM DO I HAVE TO PAY ? The total premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the company: The estimated total premium that you have to pay for first policy year is : RM 5,000.00 Annually (Exclude Single Premium Top-up and service tax, if any) Company allocates a portion of the premium to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will be used to pay commissions to agents and other expenses of the company. You are advised to refer to the allocation rates given in the sales illustration For MHI policies where the premium/insurance charge rate is not guaranteed, the following are possible scenarios on policy renewal: a) Renewal premiums or insurance charge shall be charged according to the original scale if the current environment (claim ratio, inflation rate etc.) continues; or b) Renewal premiums or insurance charges shall be charged based on a higher scale as compared to the original if the current environment deteriorates, i.e.increase in claim ratio, high inflation, increase in medical cost, etc; or c) The plan/rider/benefit is not renewed according to the Discontinuance clauses as stated in Policy Contract. The above scenarios are not exhaustive and the premium rates/insurance charge may be reviewed under other justified circumstances. 4. WHAT ARE THE FEES AND CHARGES THAT I HAVE TO PAY ? Stamp duty : RM10 The insurance coverage charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. Details of insurance charges and other charges are given in the sales illustration. 5. WHAT ARE SOME OF THE KEY TERMS AND CONDITIONS THAT I SHOULD BE AWARE OF ? a) Importance of disclosure -It is your duty to disclose any matter that you know or ought to know which will affect the issuance of your policy, as stated under Section 150 of the Insurance Act 1996. Pursuant to section 149(4) of the Insurance Act 1996, you are to disclose in this application form, fully and faithfully all facts which you know or ought to know, otherwise the policy issued under this application may be null and void. b) Free-look period - you may cancel your policy by returning the policy within 15 calendar days from the receipt of the policy. The policy charges and the account value based on the NAV at the next valuation date following date of receipt of written notification of cancellation, less any examination fees incurred, will be refund to you. c) Cash value - the cash value / death benefit depends on the performance of the investment-linked funds selected. The performance of the funds are NOT GUARANTEED. You may deplete the investment-linked funds over the years by selecting higher insurance coverage or purchasing too many unit deducting riders, the more units will be absorbed to pay for insurance charges and fewer units will remain to accumulate cash value in your policy. The policy will lapse when the value of investment units is insufficient to pay for the insurance and other charges. d) Qualifying / waiting period - the eligibility for MHI benefits under the policy will only start at least [30] days after the effective date of the policy e) Co-insurance - For medical plan with co-insurance, please refer to sales illustration for co-insurance details. Note: This list is non exhaustive. Please refer to the policy contract for the terms and conditions under this policy. 6. WHAT ARE THE MAJOR EXCLUSIONS UNDER THIS POLICY ? 1. Death benefit is not payable under this plan if death is due to Insured, whether sane or insane, committing suicide, within 13 months after the Issue date or date of any reinstatement, whichever is later. 2. The TPD provision does not cover any disability caused directly or indirectly by suicide attempts, any intentional self-inflicted injuries, military, air force or naval service in time of war, criminal act, aviation activities other than as a fare paying passenger or crew on a commercial passenger airline, liquor or drug intoxication, and participation in any hazardous pursuits e.g. mountaineering, scuba diving, hang gliding etc. 3. No benefit is payable under Dread Disease Benefits: a) if the Covered Event is due to a pre-existing condition at the Issue Date or Reinstatement Date of the Rider/Benefit, Pre-existing condition shall mean disabilities that the Covered Member has reasonable knowledge of. A Covered Member may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which: - the Covered Member had received or is receiving treatment; - medical advice,diagnosis,care or treatment has been recommended; - clear and distinct symptoms are or were evident; or - its existence would have been apparent to a reasonable person in the circumstances. b) if the Covered Event is caused, directly or indirectly, by alcohol or substance abuse, congenital abnormalities including physical defects present from birth, attempted suicide or intentional self inflicted injury. c) if the Covered Event is due to participation in any hazardous pursuits, such as, but not limited to, mountaineering, scuba diving, hang gliding, racing on horse or wheels, etc.

Manulife Sales Illustration Ver. [ P 80 , D 80 ] Page 16 of 19

d) Upon diagnosis or occurrence of this event occurred at the first 30 days after the Issue/Reinstatement date, whichever is later. This is applicable for all covered dread diseases except for Heart Attack, Cancer, Coronary Artery By-Pass Surgery, Other Serious Coronary Artery Disease or Angioplasty and Other Invasive Treatments for Major Coronary Artery Disease,where a waiting period of 60 days from the Issue/Reinstatement date, whichever is later, is required. 4. Medical, Hospital & Surgical Benefits of ManuCare100 and Outpatient Benefits (if any) do not cover any hospitalisation, surgery or charges caused directly or indirectly,wholly or partly,by any one (1) of the following occurrences: (a) Pre-existing illnesses. (b) Treatment for the following illnesses is excluded when occurring within 120 days after the Issue date or any reinstatement date, irrespective whether the Covered Member is aware or not aware of the same. (i) Hypertension, diabetes mellitus and cardiovascular disease (ii) All tumours, cancers, cysts, nodules, polyp, stones of the urinary system and biliary system (iii) All ear, nose (including sinuses) and throat conditions (iv) Hernias, haemorrhoids, fistulae, hydrocele, varicocele, (v) Endometriosis including disease of the Reproduction system and (vi) Vertebro-spinal disorders (including disc) and knee conditions. (c) Any medical or physical conditions arising within the first 30 days of the Covered Member's cover or date of reinstatement whichever is latest except for accidental injuries. (d) Plastic/Cosmetic surgery, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof. (e) Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance. (f) Rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law. (g) Any treatement or surgical operation for congenital abonormalities or deformities including hereditary conditions. (h) Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization. (i) Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain. (j) Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane. (k) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection. (l) lonising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material. (m) Expenses incurred for donation of any body organ by a Covered Member and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. However, the cost of actual undergoing of a major organ transplant as a recipient by Covered Member is covered. (n)Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropratic services acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment. (o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and hospitalization arising out of duties of employment or profession that is covered under a Workman's Compensation Insurance Contract. (p) Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations). (q) Sickness or Injury arising from racing of any kind(except foot racing),hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities. (r) Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes. (s) Expenses incurred for sex changes. (t) Medical treatment received by the Covered Member outside Malaysia, if the Covered Member resides or travels outside Malaysia for more than ninety (90) consecutive days. (u) Private Nursing will not be covered if only ManuCare100 is purchased. The Company reserves the right to treat any In-Patient treatment as Out-Patient treatment when in the opinion of the Company's medical examiner such In-Patient treatment could have been done as an Out-patient Treatment. 5. Hospitalisation Benefit Rider does not cover any hospitalization for, on account of: a) Diagnostic studies, rest care, sanitaria care, nervous or mental disorders, alcoholism or substance, abuse,cosmetic or plastic surgery, dental care or surgery unless required, eye refraction or fitting of glasses,pregnancy, miscarriage or child birth, abortion or any complication thereof b) Injury or sickness while in the military, naval, air force, or other armed services in time of declared

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or undeclared war or while under orders for warlike operations or restoration of public order, any attempt at suicide, whether sane or insane, or any intentionally self-inflicted injuries, sickness contracted or injury sustained as a result of assault, riot, strike, commission of any unlawful act or war, declared or undeclared c) Treatment of (i) All ear, nose (including sinuses) and throat conditions; (ii) Hernias, haemorrhoids, fistulae, hydrocele, varicocele; (iii) Endometriosis including disease of the Reproduction system when the hospital confinement or surgery commences within one hundred and twenty (120) days after the Issue Date or any Reinstatement Date, whichever is later. d) AIDS, ARC (AIDS Related Complex), opportunistic infections, malignant neoplasms, or any disorders of the nervous system whilst the Insured is having AIDS, ARC or tests positive for HIV Antibody. e) Any health condition which was existing at or prior to the Policy Date or rider issue date or reinstatement date, whichever is later. 6. Accidental Benefit(s) does not cover any injury or loss caused directly or indirectly, wholly or partly, by: a) Attempted suicide, intentionally self-inflicted injuries; b) War, revolution or any warlike operations; military, air force or naval service in time of war, warlike operations or restoration of public order; or c) Criminal brawl; or d) Taking poison or inhaling of gas or fumes; e) Chronic illness pre-existing or an accident, accident due to alcohol or substance abuse; f) Aviation activities other than as a fare paying passenger or crew on a scheduled flight. 7. CAN I CANCEL MY POLICY ? Buying a regular premium investment-linked insurance is a long-term financial commitment. It is not advisable to hold this policy for a short period of time in view of the high initial costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed to switch funds anytime free of charge. 8. WHAT DO I NEED TO DO IF THERE ARE CHANGES TO MY CONTACT DETAILS ? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 9. WHERE CAN I GET FURTHER INFORMATION ? Should you require additional information about investment-linked insurance and medical and health insurance, please refer to the insuranceinfo booklet on 'Investment-linked Insurance' and 'Medical & Health Insurance', available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my If you have any enquiries, please contact us at: Manulife Insurance Berhad (814942-M) Menara Manulife, 6, Jalan Gelenggang Damansara Heights 50490 Kuala Lumpur Tel : (03) 2719-9112 Fax : (03) 2092-2960 Email : service@manulife.com.my 10. OTHER SIMILAR TYPE OF COVER/PLAN AVAILABLE Please ask your insurer / intermediary for other similar types of plans offered by the insurer.

IMPORTANT NOTE : THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUM AS "TOP UPS". RETURN ON THE INVESTMENT-LINKED FUND IS NOT GUARANTEED.
The information provided in this disclosure sheet is generated as at 12/01/2012

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MAXSHIELD PLUS WITH IPB This Benefit Illustration is intended for illustrative purposes only. The terms & conditions are specified in the policy contract. I have reviewed the Benefit Illustration, and the essential information on major features of the product including the allocation rate, commissions and expenses (if any) have been satisfactorily explained to me. I understand that there may be nonguaranteed elements illustrated which may be subject to change. Ilustrasi Faedah ini bertujuan untuk ilustrasi sahaja. Terma-terma dan syarat-syarat dinyatakan dalam kontrak polisi. Saya telah meneliti Ilustrasi Faedah ini dan saya berpuas hati dengan maklumat penting yang telah dijelaskan kepada saya mengenai ciri-ciri utama produk ini termasuk kadar peruntukan, komisen dan perbelanjaan (jika ada). Saya memahami bahawa ilustrasi faedah ini mungkin mengilustrasikan elemen yang tidak terjamin dan mungkin tertakluk kepada perubahan. Name of Applicant Nama Pemohon NRIC No: No K.P.: Signature Tandatangan Date of Signature Tarikh Tandatangan

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