Smart Mastering your Wealth. Wealth Master Universal Life Plan. Enriching Life with Endless Hope

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1 Smart Mastering your Wealth Wealth Master Universal Life Plan Enriching Life with Endless Hope

2 Reveal the true value with careful and diligent polishing Rather than to adapt to herd behavior, why not plan ahead for a better and stable future? Fubon Life has tailor-made a plan, the Wealth Master Universal Life Plan (the Plan ) featuring with life protection and wealth growth elements. You can utilize your wealth at any time to meet your need. Key Features : Multiple Guarantees on Interest Rate High Return Potential Flexible payment term & Easy to Withdraw Guaranteed Policy Charges with high Transparency Protect Your Loved Ones with Life Protection Hassle-free Application

3 Multiple Guarantees on Interest Rate Wealth Master Universal Life Plan offers you multiple guarantees on interest rate to boost your confidence. 4.5% 2.8% 2% The The The st guarantee, during the 1 st and 2 nd Policy Years, the Plan offers special guaranteed interest rate at 4.5% p.a., including guaranteed Crediting Interest Rate 1 at 3.7% p.a. and the Bonus Interest 3 at 0.8%p.a. nd guarantee, on the 5 th Policy Anniversary, your Account Value will be reviewed, and please rest assure that the average Crediting Interest Rate 2 will not be lower than 2% p.a. for the first 5 Policy Years. rd guarantee, on the 10 th Policy Anniversary, your Account Value will again be reviewed, and please rest assure that the average Crediting Interest Rate 2 will not less than 2.8% p.a. for the first 10 Policy Years. High Potential Return Many a little makes a mickle. The Plan offers a non-guaranteed Crediting Interest Rate 1 at 3.7% p.a. which will be credited to your Account Value every month for your accumulation, and prepares you to meet any need ahead. Flexible Payment Term & Easy to Withdraw With the flexible payment term, you can choose based on your need. The Plan offers 2 payment modes, and you can choose to pay annually for 2 years or prepay the Premium for 2 nd Policy Year at policy inception 4,5,6 in order to enjoy extra 4.5% discount on the Prepaid Premium. A flexible plan can ease your worry when you are in need. Except for the 1 st Policy Year, during the 2 nd 8 th policy years, you can enjoy a respective percentage of Free 7,8 of your last anniversary's Account Value every year. From the 9 th policy year and onwards, no charge will be applied for any 7. Guaranteed Policy Charges with high transparency We promise that the fees and charges will stay unchanged. All the Policy Charges, including Premium Charge and Policy Administration Fee, and Surrender Charge will be the same throughout the whole policy term. Thus, you can maximize your return with higher confidence. Protect your Loved Ones with Life Protection The Plan offers Death Benefit that helps protect your loved ones to face the challenge with bravery. Hassle-free Application Enjoy the hassle-free application process without medical examination 9. Save time to plan for your future.

4 Issue Age Policy Currency Premium Payment Term 15 Days to Age 75 (Age Last Birthday) USD 2 Years Premium Mode Annual or Annual with Prepayment 4,5,6 Policy Term Minimum Nominated Amount Death Benefit Crediting Interest Rate 1 (Non-guaranteed) Guaranteed Crediting Interest Rate 2 Bonus Interest 3 7 Premium Charge Policy Administration Fee Surrender Charge (Full / Partial) Until 110 years old US$40,000 Plan Summary Should the Insured Person passes away, the beneficiary will get the Death Benefit as : (i) the higher of the following: (a) 101% of the Account Value as at the death of the Insured Person; or (b) 101% of the difference between (i) the paid Premium as at the death of the Insured Person, and (ii) any previous plus any previous Surrender Charge upon as at the death of the Insured Person; less the aggregate of (ii) Indebtedness as at the death of the Insured Person (if any); and (iii) Any outstanding and unpaid balance of Policy Charges (i.e. Policy Administration Fee and Premium Charge) up to and including the death of the Insured Person (if any). In case there is any Premium Prepayment Balance at the death of the Insured Person, the balance will also be paid Crediting Interest Rate 3.7% p.a. 1 The Crediting Interest will be credited monthly into the Account Value Crediting Interest Rate 1 will be guaranteed at 3.7% p.a. 1 for the first 2 Policy Years The Account Value at the 5 th Policy Anniversary will not be lower than that calculated should 2% p.a. were the Crediting Interest Rate 2 for the previous 5 years The Account Value at the 10 th Policy Anniversary will not be lower than that calculated should 2.8% p.a. were the Crediting Interest Rate 2 for the previous 10 years 0.8% p.a.3 of Account Value will be credited monthly on top of the Crediting Interest Rate into the Account Value for the first 2 Policy Years During the 2 nd 8 th Policy Year, the yearly maximum Free 8 is the respective percentage of the Account Value as of the last Policy Anniversary (Please see below) Year Free Rate Policy Year % Policy Year % Surrender charge shall apply and be deducted from the Account Value at the applicable Surrender Charge Rate (as below Fees and Charges) of the amount in excess of any unused Free 8. The Account Value should not be lower than US$5,000 (subject to change from time to time) after 7 is not allowed in the 1 st Policy Year. Fees and Charges Annual: 6.5% annual premium Annual with Prepayment: 13% of the annual premium (equivalent to 6.64% of the sum of the 1st year Premium plus the Prepaid Premium) US$6 per month For withdrawal 7, the Surrender Charge shall be deducted from the Account Value as a percentage (in the below table) of the amount of in excess of any unused Free 8. In case of Policy surrender, the Surrender Charge shall apply as a percentage (in the below table) of the Account Value in excess of the unused Free 8. Surrender Policy Year Surrender Charge Rate as Percentage of in excess of any unused Free Policy Loan 10 Available from the 2 nd Policy Year onwards with interest applied 10 Surrender Charge Rate as Percentage of Account Value in excess of any unused Free Year 1 N/A 7.5% Year 2 6.5% 6.5% Year 3 5.5% 5.5% Year 4 4.5% 4.5% Year 5 3.5% 3.5% Year 6 3% 3% Year 7 2% 2% Year 8 1% 1% Year 9 and onwards 0% 0% Other than those guarantees provided in the first two policy years, the Crediting Interest Rate afterwards is not guaranteed and shall be determined by Fubon Life Insurance (Hong Kong) Company Limited ( Fubon Life ) from time to time at its discretion. It should not be interpreted as an indicator of future performance and will be subject to change by giving not less than 30 days notice prior to the change. New rate will apply to the Policy on the 1 st day of the Policy Month immediately upon or after the effective date of the new rate. The current rate is 3.7% p.a. (equivalent to % per month), and the rate may go up (above the current rate) or down (but not below 0% p.a.). The Crediting Interest will be calculated on a monthly compound basis and credited to the Account Value on the expiry of each Policy Month. The relevant Crediting Interest Rates shall be offered on the applicable Policy Anniversaries only. Should your policy be terminated before the relevant Policy Anniversary, no related Crediting Interest Rate shall be available. For avoidance of doubt, no relevant Crediting Interest Rate shall apply to the policy after the 10th Policy Anniversary. The relevant Crediting Interest Rate offered under the Policy does not reflect Premium Charges, Policy Administration Fee, (if any), and Surrender Charge (if any) and addition of Bonus Interest. Bonus Interest Rate at 0.8% p.a. (equivalent to % per month) is guaranteed, which will be credited to Account Value on a monthly basis during the 1 st and 2 nd Policy Years. The respective Premium for the related Policy Year(s) shall be deducted from the Premium Prepayment Balance annually on each and every Premium Due Date. Should you surrender the policy during the 1st policy year, a 7.5% Surrender Charge on Premium Prepayment Balance (if any) will be charged by Fubon Life. Premium Prepayment Balance cannot be refunded or withdrawn except in the event of Death Benefit payment or Policy surrender. is allowed starting from the 2nd Policy Year provided that the Policy is paid up. Surrender Charge may apply when the Policyowner withdraws part of the Account Value which exceeds the unused Free limit during the 2nd to 8th Policy Years. The s are subject to requirements with regard to maximum number of requests, minimum amount, and the minimum Account Value (currently at US$5,000) as imposed by Fubon Life and are subject to change from time to time. Any unused balance of Free for a particular Policy Year can be used in subsequent s in the same Policy Year, and not applicable to the next Policy Year. 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. 10 Fubon Life determines the interest rate on policy loan and reserves the right to change such rate from time to time. No policy loan shall be granted if the loan shall cause the total Indebtedness under the Policy exceed 80% of the Surrender Value. For more details, please refer to the policy provisions. With a Smart Plan Mastering Your Wealth is not just a dream

5 Warning Statement: Wealth Master Universal Life Plan (the "Plan") is a life insurance plan with investment elements. The policy is underwritten by Fubon Life Insurance (Hong Kong) Company Limited ("Fubon Life") and policyowners are subject to the Fubon Life'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 Crediting Interest Rate 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. The Plan has savings 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. 2. The Crediting Interest Rate, Premium Charge, Policy Administration Fee, Surrender Charge,, policy loan and the loan interest could impact the Account Value of your policy. Should the Account Value of your policy be not sufficient to cover the charges and fees, your policy will then lapse and you will lose all the insurance protection. 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. 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; Account Value is not sufficient to cover Policy Charges (i.e. Premium Charge and Policy Administration Fee); Policy loan and/or Indebtedness exceeds Surrender Value or; Surrender or cancellation; If Fubon Life is unable to collect any subsequent premiums by the expiry of Grace Period. b. If the Insured Person commits suicide whilst sane or insane within the first 13 months of the Issue Date, Fubon Life shall only refund the paid Premium under this policy to the policyowner. Crediting Interest Rate Philosophy This is a universal life policy. Your policy can share the investment return of the group of business determined by Fubon Life in the form of crediting interest rate. The respective Minimum Guaranteed Crediting Interest Rate as at the 5th Policy Anniversary and 10th Policy Anniversary will be 2% p.a. and 2.8% p.a. respectively. Fubon Life aims to ensure fair treatment between policyholders and shareholders and also between different groups of policyholders. The interest credited to the policyholders, and the investment return earned by the shareholders, will both increase / decrease together with the increase / decrease in investment return of the group of business. The crediting interest rate 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 crediting interest rate. If there is any change to crediting interest rate, you will be informed in writing or by the policy annual statement with explicit reasons for the change. To determine the crediting interest rate, Fubon Life will consider the actual experience and the outlook of the following factors: Interest rate risk factors: The interest earning of the asset portfolio and its capital gain / loss due to fluctuation of market interest rate Market risk factors: The market value changes of the asset portfolio, reflecting different market factors such as equity price, credit spread, default and exchange rate. Persistency factors: These include full surrender and partial surrender and the corresponding impact on investments, etc. 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 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 policyholders. 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 85-95% Equity and other related securities 5-15% 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 public equity, index fund and other equity mutual funds. Depending on economy outlook, investment environment, as well as changes in the credit risk, the Company will regularly review and adjust the asset allocation. For the details of Measure to Manage Potential Conflict and the Historical Crediting Interest Rates, please refer to Fubon Life s Company website at The historical Crediting Interest Rate is not an indicator of future performance of the universal life product. The declared rates are before deduction of any relevant policy charges, including but not limited to the Premium Charge and Policy Administration Fee, and allowance of Bonus Interest. Important Notes: Wealth Master Universal Life Plan (the "Plan") is a life insurance plan with investments 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 coolingoff 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 surrender 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 paid 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 policy loan which shall bear interest computed at such rate as may be adopted by Fubon Life. Please refer to the policy provisions for details. Fubon Life will not accept the withdrawal request should the Account Value reach below the minimum requirement of US$5,000 (subject to change from time to time) after such withdrawal The Crediting Interest Rate is non-guaranteed. It is subject to Fubon Life s determination and revision from time to time. For details about the determination of the Crediting Interest Rate and related policy, please refer to " www. fubonlife.com.hk/products_philosophy.html for details. Fubon Life is solely responsible for all content, approvals, coverage and benefit payment of the Plan. 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 for reference only. All the policy terms and conditions are set out in the policy provisions of the Plan and 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 and registered 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) HKBRUL2PB010317/0318