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Basic Information Premium Age 1 - 75 To Age 100 HKD / USD 105% of Account Value Minimum Maximum Number of Contribution Minimum Maximum Partial Surrender Single Premium HKD 100,000 / USD 12,500 HKD 20,000,000 / USD 2,500,000 Maximum 3 times per Policy Year HKD 100,000 / USD 12,500 HKD 10,000,000 / USD 1,250,000 Maximum 4 times per Policy Year HKD 2,000 / USD 250 85% of Account Value HKD 50,000 / USD 6,250 Policy Fee Administration Charge Surrender Charge Fee and Charges (Guaranteed Fixed) Applicable for policies with Single Premium less than HKD 2,000,000 / USD 250,000. HKD 600 / USD 75 per annum starting from the 1st Policy Anniversary (Deduct in 12 equal instalments commencing on the ?rst Policy Anniversary thereafter) Year(s) from the date of ?rst Administration Charge deduction from the Policy Account for the relevant Single Premium or Booster Contribution(s) relative to the time of charge deduction % of the relevant Account Value per annum attributable to such Single Premium or Booster Contribution, deducted in 12 monthly instalments Less than 10 years 10 years or more 0.7 0.2 Year(s) from the date the relevant Single Premium or Booster Contribution(s) is credited to Policy Account, relative to the time of Partial Surrender or Surrender Less than 1 year 1 year or more, but less than 2 years 2 years or more, but less than 3 years 3 years or more, but less than 4 years 4 years or more, but less than 5 years 5 years or more, but less than 6 years 6 years or more, but less than 7 years 7 years or more, but less than 8 years 8 years or more, but less than 9 years 9 years or more, but less than 10 years 10 years or more % of the Surrender Amount attributable to such Single Premium or Booster Contribution 8.0 7.2 6.4 5.6 4.8 4.0 3.2 2.4 1.6 0.8 0.0 Remarks: 1. Crediting Interest Rate is not guaranteed and is subject to change during the term of the Policy. It may equal to Guaranteed Minimum Crediting Interest Rate in the most adverse situation. The current crediting in