Notes:

• The crediting interest rate shown above are before any relevant policy fees and charges (e.g. cost of insurance, policy administration fees, etc.)
• The crediting interest rate history shown above are for reference only. They relate to past history and are not indicators of future crediting interest rates.
• The prevailing crediting interest rate may change from time to time. It may be higher or lower than the crediting interest rate history shown above.
• For the crediting interest rates applicable to your policy, please refer to the policy anniversary statement or contact your financial consultant.