PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the HLA Income

Builder. Be sure to also read the general terms and conditions.

Hong Leong Assurance Berhad HLA Income Builder <<system Date>> 15 Feb 2012

1.

What is this product about? This is a participating whole life plan up to age 90 with Guaranteed Yearly Income and limited premium payment term of ______ years. The Guaranteed Yearly Income is payable from end of year 1 until maturity at age 90.

2.

What are the covers / benefits provided? Basic Plan The Guaranteed Yearly Income for this plan is RM______ and the duration of the coverage is ______ years or upon termination, whichever occurs first. Death Benefit In the event of Death of Life Assured, the Death benefit equivalent to the sum of 100% of outstanding Guaranteed Yearly Income or 9 times of Guaranteed Yearly Income or Cash Surrender Value; whichever is the highest, Accumulated Guaranteed Yearly Income (if any), Accumulated Cash Dividend (if any) and Special Terminal Dividend (if any) shall be payable. Total and Permanent Disability Benefit In the event of TPD (prior to attaining age 65) of the Life Assured, the TPD benefit equivalent to the sum of 100% of outstanding Guaranteed Yearly Income or 9 times of Guaranteed Yearly Income or Cash Surrender Value; whichever is the highest, Accumulated Guaranteed Yearly Income (if any), Accumulated Cash Dividend (if any) and Special Terminal Dividend (if any) shall be payable. Upon accidental TPD, an additional amount equivalent to 300% of the Guaranteed TPD benefit shall be payable. TPD benefit will be paid in accordance to TPD provision. Guaranteed Yearly Income Benefit This plan provides Guaranteed Yearly Income of RM______ starting from end of year 1 up to age 90. Advancement of Future Guaranteed Yearly Income (GYI) (i) Policy Owner may advance the next 5 years GYI upon happening of events as listed below; starting from the policy year where the first GYI is payable and provided that the policy has acquired sufficient Net Cash Surrender Value Marriage Child Birth Children's university admission Children's graduation/convocation Children's wedding Purchase of new house Starting of a business Business Disruption Policy Owner/ Parents/ Children admitted to hospital Parent/children death Policy owner diagnosed with critical illness Policy owner suffers temporary total disablement due to illness or accident. The above listed events are not exhaustive and the Company may include more events at its discretion from time to time. The amount payable to Policy Owner shall be 85% of the total next 5 years GYI. Thereafter, the GYI due for the next 5 years immediately following the advancement shall cease to be payable in order to offset the said advancement. Upon surrender or death/ TPD claim, the Company will deduct the outstanding GYI advanced accrued with interest of 5.67% per annum (if any) before making any payment.

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PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the HLA Income Builder. Be sure to also read the general terms and conditions.

Hong Leong Assurance Berhad HLA Income Builder <<system Date>> 15 Feb 2012

(ii)

Upon the Life Assured attains the age 60 or 75, the Policy Owner may advance all future GYI provided that the policy has been in force for 10 years, and provided that the policy has sufficient Net Cash Surrender Value. The amount payable to Policy Owner shall be as illustrated below. Once the advancement of GYI is made, all the future GYI shall cease to be payable and the Guaranteed Death/TPD Benefit and Guaranteed Maturity benefit shall be revised as below. In addition, Cash Surrender Value, Cash Dividend, Terminal Dividend and Special Terminal Dividend will be adjusted accordingly.
Premium Payment Term 6 6 9 9 12 12 Attained age upon advancement 60 75 60 75 60 75 Amount Payable Guaranteed Death/TPD Benefit Guaranteed Maturity Benefit

* * * * * *

* * * * * *

* * * * * *

* Please obtain a copy of PDS specific to you from your agent. Maturity Benefit The Policy will mature upon survival of Life Assured at the end of the policy term (age 90). A Maturity Benefit equivalent to the sum of 9 times of Guaranteed Yearly Income, Accumulated Guaranteed Yearly Income (if any), Accumulated Cash Dividend (if any) and Terminal Dividend (if any) shall be payable. 3. How much premium do I have to pay? The total premium you have to pay and the policy term may vary depending on the underwriting requirements of the insurance company. The estimated total premium that you have to pay: Plan/Rider Type Annually (RM) HLA Income Basic Plan * Builder Total Premium * Premium duration:
Plan/Rider HLA Income Builder Type Premium payable until age *

Initial Premium Semi-annually (RM) Quarterly (RM)

Monthly (RM)

* *

* *

* *

Basic Plan

* Please obtain a copy of PDS specific to you from your agent. 4. What are the fees and charges I have to pay? If the policy belongs to an individual there shall be no fee chargeable, however if the policy belongs to a corporate there shall be a 6% service tax chargeable. Service tax chargeable is as follow:
Premium Payment Frequency Service tax chargeable Annually (RM) Semi-annually (RM) Quarterly (RM) Monthly (RM)

* Please obtain a copy of PDS specific to you from your agent. 5. What are some of the key terms and conditions that I should be aware of? Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your policy by returning the policy within 15 days after you have received the policy. The premiums that you have paid (less any medical fee incurred) will be refunded to you.

Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this policy.

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PRODUCT DISCLOSURE SHEET Read this Product Disclosure Sheet before you decide to take up the HLA Income Builder. Be sure to also read the general terms and conditions.

Hong Leong Assurance Berhad HLA Income Builder <<system Date>> 15 Feb 2012

6.

What are the major exclusions under this policy? Death Benefit If the Life Assured whether sane or insane, commits suicide within twelve (12) months from the Issue Date or the Reinstatement Date, whichever is the later, this Policy shall become void and we shall return the premiums paid without interest after deducting any amount due to us under this Policy. Total & Permanent Disability The policy shall not cover Total & Permanent Disability resulted directly or indirectly; from any self-inflicted bodily injury while sane or insane; from any nervous disorder or mental illness; from flying in an aircraft (except as an aircrew member of, or as an ordinary fare paying passenger, on a regularly scheduled flight of a commercial airline); or from anything whatsoever while as a member of the armed forces, police and paramilitary forces as a result of declared or undeclared war, riots or civil commotion. Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

7.

Can I cancel my policy? You may cancel the policy by giving a written notice to Hong Leong Assurance Berhad. After the free look period the cash surrender value (if any) of your policy will be paid to you when you cancel the policy, however the amount payable may be less than the total premiums you had paid.

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 (including that of the nominee and/or trustee) to ensure that all correspondences reach you and/or nominee/trustee in a timely manner.

9.

Where can I get further information? Should you require additional information about life insurance, please refer to the insuranceinfo booklet on Life 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: Customer Service Hotline: 03-76501288 or Customer Service Department Level 3, Tower B, PJ City Development No 15A, Jalan 219, Seksyen 51A 46100 Petaling Jaya, Selangor P.O.Box 120, 46710 Petaling Jaya Tel: 03 - 7650 1818 Fax: 03 - 7650 1991 Website: www.hla.com.my

10. Other similar types of cover available Please refer to our agents for other similar types of cover available. IMPORTANT NOTE: BUYING LIFE INSURANCE POLICY IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF POLICY THAT BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 15 Feb 2012 <<system date>>.

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