MY Deferred Annuity 3

Notes:
^1. The Non-guaranteed Monthly Annuity Payment is normally declared annually by the Company and the amount may increase or decrease during the annuity period, subject to factors including but not limited to claims, expenses, investment performance and surrenders. Under certain circumstances, the Non-guaranteed Monthly Annuity Payments can be zero.

Notes:
^2. If there is any policy debt outstanding after the start of the annuity period, Monthly Annuity Payment will be applied to repay the policy debt. Any remaining balance of the Monthly Annuity Payment will be paid according to the payment option chosen by you provided that the policy debt has been fully repaid.
^3. The Annuity Payments accumulation interest rate is not guaranteed and shall be determined by the Company from time to time.

Notes:
^4. Applicable if the Insured is aged below 65. In the event that the Insured suffers total disability due to accident for a continuous period of not less than 6 months before the age of 65, all subsequent premium payments will be waived under the Basic Plan as long as the Insured remains totally disabled, payable under all MY Deferred Annuity, MY Deferred Annuity 2, and/or MY Deferred Annuity 3 policies issued by the Company up to US$10,000 per annum per insured. During the total disability of the Insured, if the premium is waived by the supplementary Waiver of Premium Benefit attached to this Policy, the Accident Waiver of Premium Benefit will not be payable. The total disability must be certified by a Doctor acceptable to us and have continued for a period of not less than 6 months.
^5. An additional premium is required to be paid for attaching the supplementary Waiver of Premium Benefit to the Plan and the premium paid is non-tax deductible.

Notes:
^6. The Plan has been certified by IA does not mean that the premiums paid for policies under the Plan are eligible for tax deductions. Certification by IA is only an indication that the product complies with the criteria set out by IA. The IA certification is not a recommendation or endorsement of the Plan or does it guarantee the commercial merits of the Plan or its performance. It does not mean the Plan is suitable for all Policy Owners nor is it an endorsement of its suitability for any particular Policy Owner or class of Policy Owners. The Plan has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the Plan, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the Plan.
^7. The tax deductible amount per taxpayer per tax assessment year is the sum of qualifying deferred annuity premiums and Mandatory Provident Fund (“MPF”) tax deductible voluntary contributions, with a maximum of HK$60,000. Please refer to the section of “Important Information – 3. Tax implication of Qualifying Deferred Annuity Insurance Policy” in the product brochure for details.