Plan Today For a Bright Future. Prosperity Booster. Whole Life Plan. Enriching Life with Endless Hope

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1 Plan Today For a Bright Future Prosperity Booster Whole Life Plan Enriching Life with Endless Hope

2 If you have a handsome money, and looking for a Potential wealth growth All-rounded life protection to protect yourself and your loved one

3 We understand that you always look for the long term return for planning the best for future. To be your strongest support, Fubon Life tailored for you - Prosperity Booster Whole Life Plan, (the "Plan") an insurance plan equipped with life protection and long term wealth growth, in which you can have control on your life plan and enjoy life. Enjoy Potential Dividend to Fit Your Financial Needs The Plan not only offers you with Guaranteed Cash Value, but also the Terminal Dividend 1 (nonguaranteed), which will be available starting from the 10 th policy anniversary for you to accumulate lifelong potential returns. Prepare for the Worst & Protect Your Loved One Unfortunate events always happen without advance notice. The Plan is equipped with a Death Benefit, which will be given to beneficiary to relieve immediate financial burden of your loved one. Enjoy Whole Life Protection with High Flexibility on Payment Term You can enjoy life protection up to 100 years old with either 3-year or 5-year premium payment term at your own wish. What s more, if you choose 3-year payment term and make one-off premium payment 2,3, you will enjoy a discount at 5.5% p.a. for every prepaid premium payment. To meet your financial needs, you have the flexibility to choose the policy currency from HKD or USD. Simple Application without Medical Examination Enjoy Hassle-free application without medical examination 4. Illustrative Example Case 1 Mr Cheng & Mrs Cheng love their Son, Mason so much. To offer Mason a stable future, they have prepared everything for him and planned to save a handsome money for his own use, either for overseas study or setting up own business. Therefore, Mr. Cheng decided to purchase "Prosperity Booster Whole Life Plan" which can offer him an attractive potential long term return and for the sake of Mason. Policyowner : Mr. Cheng - Eric ( 35) Insured Person: Son of Mr Cheng - Mason ( 0) Occupation: Architect Total Premium Paid: Annual Premium: HK$1,000,000 HK$200,000 Premium Payment Term: 5 Years Premium Payment Term: 5 Years Annual Premium: HK$200,000 Retain policy value for a higher potential return Utilize your gained return flexibly Mason (The 18th Policy Year End) (The 25th Policy Year End) (The 55th Policy Year End) Eric bought Prosperity Booster Whole Life Plan Annual Premium: HK$200, Years later, Eric decided to change the policy ownership to Mason, so that Mason can decide to withdraw the money for study or retain for a higher potential return. At that moment, the Total Cash Value* (non-guaranteed) of the policy reaches HK$2,183,000, (around 218% of the premium paid). Should Mason decided to retain in the policy, after 25 years, the Total Cash Value* (non-guaranteed) of his policy has reached HK$3,403,810 (around 340%of the total premium paid). He decided to have partial surrender; so that he can withdraw HK$1,000,000 for setting up his business, while retain the remaining for higher return. At age 55, the Total Cash Value* (nonguaranteed) of Mason's policy has reached HK$17,090,094 (around 17 times of the total premium paid). He decided to have partial surrender; so that he can withdraw HK$1,000,000 every year at age 56 onward for the remaining 30 years until age 85 for supporting his retirement life with his wife.

4 Case 2 Dr. Ng is a doctor and is passionate about outdoor activities. He wish to have flexibility to choose the retirement age with a handsome money, so that he can enjoy travelling with his wife. Therefore, Dr. Ng decided to purchase "Prosperity Booster Whole Life Plan" for better retirement planning. Policyowner : Dr. Steven Ng ( 35) Occupation: Doctor Premium Mode: Annual with Prepayment 2,3 Total Premium Paid: HK$3,000,000 Annual Premium: HK$1,053,993 Premium Payment Term: 3 Year Premium Payment Term: 3 Years One-off premium paid : HK$3,000,000 (Including a discount of 5.5% p.a. for every prepaid premium) Retain policy value for a higher potential return Utilize your gained return flexibly Steven (The 20th Policy Year End) 85 At policy inception, Steven settled the 3-year premium at one-off (i.e. HK$3 million). At age 55 years, the Total Cash Value* (non-guaranteed) of his policy has reached HK$8,313,335 (around 2.8 times of the total premium paid). Steven decided to have partial surrender; so that he can withdraw HK$580,000 for 30 years until age 85 in order to support his retirement life (i.e. HK$17,400,000 in total). *Total Cash Value illustrated above is the sum of the policy s Guaranteed Cash Value and the non-guaranteed Terminal Dividend 1. The policy Total Cash Value illustrated above is the sum of the policy's Guaranteed Cash Value plus the non-guaranteed Terminal Dividend. Past performance or current performance of our business and Terminal Dividend should not be interpreted as an indicator of future performance. The actual Terminal Dividend payable may be different at different intervals during the policy term and is determined at Fubon Life's absolute discretion, which may be less or more favourable than those illustrated. The above examples assume that there is no reduction in Nominated Amount (unless specified otherwise), no policy loan is taken throughout the term of the policy and that all premiums are paid in full when due. In addition, to receive the amounts illustrated, the policyowner must surrender his policy at the respective policy anniversary. The figures as shown in the illustrative example above are rounded to the nearest whole number and are for reference only, the above assumptions of which are set out in Key Product Risks section below. Please refer to standard illustration for details. Plan Summary Premium Payment Term 3 Years 5 Years Issue Policy Currency Policy Term 15 Days to 65 ( Last Birthday) HKD or USD Until 100 years old Premium Mode Annual or Annual with Prepayment 2,3 Annual Minimum Nominated Amount Terminal Dividend 1 Death Benefit HK$100,000 / US$12,500 Available starting from the 10 th Policy Anniversary and to be distributed at Policy Maturity or Surrender or Death of the Insured Person In the event of death of the Insured Person, a death benefit amount which is equivalent to: 1. (a) 100% of the total premium due and paid or (b) Guaranteed Cash Value (whichever is higher), plus 2. Terminal Dividend 1 (if any); and less 3. Indebtedness (if any), plus premium prepayment balance (if any) is payable to the beneficiary Terminal Dividend is not guaranteed and shall be determined by Fubon Life Insurance (Hong Kong) Company Limited ("Fubon Life") at absolute discretion. It, if any, will be payable upon the following situations: (a) the death of the Insured Person, which occurs on or after the 10 th Policy Anniversary; (b) maturity; or (c) surrender of the Policy, which occurs on or after the 10 th Policy Anniversary. Past declaration of terminal dividend is not an indicator for future declaration. Future declaration of terminal dividend can be lower or higher than the past declaration and it is determined based on the Dividend Philosophy. Please refer to the Dividend Philosophy for relevant risk factors and details. Should you surrender the policy, a surrender charge of 5% of the premium prepayment balance will be charged by Fubon Life. Prepayment cannot be refunded or withdrawn except in the event of Death Benefit payment, policy surrender or reduction in Nominated Amount. Interest applies on all Policy Loan. Fubon Life has set a limit as to the total annualized premium of insurance policies in respect of the same type of insurance products (as determined and revised by Fubon Life from time to time). No medical examination is required if the purchase of this policy does not exceed such limit. Start Planning Today for the Prosperity Future

5 Warning Statement: Prosperity Booster Whole Life Plan is a life insurance plan with investment elements. The policy is underwritten by Fubon Life Insurance (Hong Kong) Company Limited and policyowners are subject to the insurance company's credit risk. Customers must be aware of the long-term nature of life insurance plan. If policyowners surrender their policies before maturity, the amount they get back may be less than that they have paid and thus resulting in a pecuniary loss. Some insurance plans may provide projected policy value (if applicable), the dividend is projected figures only. These figures are for illustrative purposes only and are not guaranteed. The actual benefits and/or returns may be lower or higher than the projected figures. Key Product Risks: 1. You should pay the initial premium on or before the Policy Date and renewal premium(s) on time according to the selected premium mode. Besides, if you fail to make renewal premium payment before the expiry of the Grace Period (within 31 days after the premium Due Date), the policy will be terminated on the Premium Due Date that triggers the Grace Period and you will lose the coverage afterward. The Surrender Value will be refunded to you. You may refer to the related standard illustration for details. 2. The Plan has investment component and is subject to risks and possible loss. Should you surrender the policy before maturity, you may receive an amount considerably less than the amount of total premium paid. 3. Any transactions involving foreign currencies are subject to risks, the ever changing political and economic conditions may substantially affect the premium rate in terms of HKD or liquidity of currencies. You should consider the potential currency risks in deciding policy currency in your policy. 4. The benefit provided under your policy may not be sufficient to meet your future needs as the future costs of living may be higher than that of today due to inflation. 5. Fubon Life Insurance (Hong Kong) Company Limited ("Fubon Life") is the underwriter of the Plan. The policy is subject to Fubon Life's credit risk. If Fubon Life is unable to satisfy the financial obligations of the policy, in the worst scenario, you may lose substantial part of, and even all, premium paid and benefits provided under the policy. Policy Notes: a. Your policy will be terminated on the earliest of the following events: death of the insured person; at policy maturity; if Fubon Life is unable to collect any subsequent premiums by expiry of Grace Period; surrender or cancellation of policy; indebtedness under the policy is greater than or equals to the Guaranteed Cash Value payable under the policy before the Maturity Date. b. If the insured person commits suicide whilst sane or insane within the first 13 months from the issue date or reinstatement date (whichever is later), Fubon Life shall only refund the amount of total premium paid under this policy to the policyowner without interest. Dividend Philosophy This is a participating policy. Your policy can earn the investment return of the segregated asset portfolio of the group of business determined by Fubon Life in the form of terminal dividend. This dividend is non-guaranteed benefit. Fubon Life aims to ensure fair treatment between different groups of policyowners. The terminal dividend will be reviewed at least once a year, based on actual experience and investment outlook. Fubon Life will smooth out the volatility of the actual investment return to ensure a stable dividend payment. If there is any change to the terminal dividend scale, you will be informed in writing or by the policy annual statement with explicit reasons for the change. To determine the terminal dividend payment, Fubon Life will consider the actual experience and the outlook of the following factors: To determine the terminal dividend payment, Fubon Life will consider the actual experience and the outlook of the following factors: Market risk factors: The market value changes of the asset portfolio, reflecting different market factors such as equity price, asset liquidity and exchange rate. Persistency factors: This includes full surrender and partial surrender and the corresponding impact on investments. Investment Policy, Investment Objectives and Investment Strategy The Investment Policy aims to actively monitor and manage investment risk and policy liability and to identify asset with suitable characteristics, tenor and liquidity to meet the cash flow need of the insurance business. The Investment Objectives are to support the guaranteed benefit of the policies and also to meet the non-guaranteed benefit as illustrated to the policyowners. The Investment Strategy is to diversify investment risks, to improve capital utilization efficiency, to enhance overall investment returns, and to safeguard the long-term interests of shareholders and policyowners. Should there be any significant changes in the investment strategy, Fubon Life would inform policyowners on the changes, with underlying reasons and impact to the policies. The long term target asset mix of this product is: Asset Type Target Asset Mix (%) Bonds and other fixed income securities 50-70% Equity and other related securities 30-50% To diversify the risk, Fubon Life may invest in securities of different industries, regions, credit ratings, and liquidities. This includes government bonds and corporate bonds in US, European and emerging markets. The Equity and other related securities may include private equity, public equity, index fund and other equity mutual funds. Depending on economy outlook, investment environment, as well as changes in the credit risk, Fubon Life will regularly review and adjust the asset allocation. For the detail of "Measure to manage potential conflict" and the "Nonguaranteed dividends fulfillment ratios", please refer to the Company website at The historical figure is not an indicator of future performance of this product. Important Notes: Prosperity Booster Whole Life Plan (the "Plan") is a life insurance plan with investment elements. Part of the premiums are paid for the insurance and related costs. If you are not satisfied with the policy, you have the right to cancel it within the cooling-off period and obtain a refund of any premiums paid less any market value adjustment (if any). Fubon Life Insurance (Hong Kong) Company Limited ("Fubon Life") will refund the premium(s) in such currency as you made the premium payment. However, market value adjustment applies if you settle the premium in such currency different from the policy currency, and Fubon Life reserves the right to adopt the exchange rate prevailing as at the time of refund (instead of the exchange rate you made the premium payment). In this case, you may bear the risk due to difference in exchange rate. Fubon Life will base on the market situation to determine the exchange rate. You must send us the written notice with your signature and the policy (if received) to the business address of Fubon Life and ensure such notice must be received by Fubon Life within the cooling-off period (that is, 21 days after the delivery of the policy or the issue of a Notice informing you or your representative about the availability of the policy and the expiry date of the cooling-off period, whichever is earlier). The business address of Fubon Life is Suites , 3/F, Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong. If any claim has been accepted, no premium refund can be made. After the expiration of the cooling-off period, if you cancel the policy before maturity, the projected total cash value may be less than the amount of the total premiums you have paid. The premium will be paid to Fubon Life and part of the premiums will become part of the assets of Fubon Life. The policyowner does not have any direct rights nor ownership over any of these assets. The policyowner's rights are subject to terms and conditions of the policy provisions and his/her recourse is against Fubon Life only. The Plan is of long-term nature and is not of any bank saving nature. You are advised to carefully consider your financial capability, cash flow and liquidity needs before making any purchase decision. The Plan may not be suitable for you and you should not buy the Plan if you are in need of short-term liquidity. The Plan offers loan which shall bear interest computed at such rate as may be adopted by Fubon Life. No policy loan shall be granted if the loan shall cause the total indebtedness under the Policy exceed 80% of the Guaranteed Cash Value. Please refer to the policy provisions for details. The Plan offers non-guaranteed Terminal Dividend, the scale of which is subject to Fubon Life's determination and may revise from time to time. For dividend policy, please refer to hk/products_philosophy.html for details. You may apply for reduction in the Nominated Amount on Policy Anniversary which shall not be less than the minimum Nominated Amount without paying any handling charge. In such case, the Death Benefit, the Surrender Value, Maturity benefit, and the premium (if any) will be reduced accordingly. Fubon Life is solely responsible for all content, approvals, coverage and benefit payment. Fubon Life reserves the right to accept or reject any insurance application. This leaflet is published by Fubon Life, who is fully responsible for all the information stated in the leaflet. The above information is intended for reference only. All the policy terms and conditions are set out in the policy provisions of the Plan which shall be final and conclusive. This leaflet is distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance of Fubon Life outside Hong Kong. Fubon Life is the private company limited by shares incorporated in Hong Kong and the registered office is situated at Suites , 3/F, Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong.

6 About Fubon Financial Fubon Financial was established in 1961, which is now the 2nd largest financial holding company in Taiwan. The major subsidiaries includes Fubon Life Taiwan and its overseas subsidiaries, Taipei Fubon Bank, Fubon Bank (Hong Kong), Fubon Insurance and Fubon Securities, etc. The total assets is around US$190.8 billion*, with around 46,000 employees serving over 10 million customers around the world. Fubon Life Insurance (Hong Kong) Company Limited, the wholly-owned subsidiary of Fubon Life Taiwan, the 2nd largest Life Insurance company in Taiwan, was established in July It is authorized to conduct insurance business in April 2016 and operated under the Fubon Life brand. Upholding the philosophy of Enriching life with Endless Hope, Fubon Life offers different types of life insurance products to the Hong Kong customers through its strategic partners. *As of June, 2016 Credit Ratings of Fubon Life Insurance Company Limited Strong credit ratings and financial strength equipped us to be your reliable partner. Rating Company Ratings Outlook Standard & Poor's A- 1 Stable Moody's A3 2 Stable Taiwan Ratings twaa+ 1 Stable 1 As of Nov 17, As of July 3, 2014 Fubon Financial Around the World Beijing Liaoning Tianjin Chong Qing Jiangsu Shanghai Guangdong Fujian Hong Kong Taiwan Thailand Vietnam Philippines Singapore Note: Subsidiaries of Fubon Financial has set up representative offices in China, Philippines, Malaysia and and Indonesia, etc. Indonesia Fubon Life Insurance (Hong Kong) Company Limited Suites , 3/F, Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong Tel: (852) Fax: (852) HKBRW1C_DPB01E0117/0118