First addendum to the details of the Royal Skandia investment-linked funds brochure

Ref ADD01/2013 First addendum to the details of the Royal Skandia investment-linked funds brochure This addendum should be read and issued in conjunction with the principal brochure (comprising the product brochure, details of the Royal Skandia investment-linked funds brochure) and Product Key Facts Statement of the respective products (the Managed Savings Account, Managed Pension Account, Managed Capital Account and Executive Wealthbuilder Account). The new investment-linked funds below have been launched with effect from 17 April 2013. The contents of the details of the Royal Skandia investment-linked funds brochure) (SK3908/INT12-0298/January 2013) which applies to the abovementioned products are updated as below accordingly. The headers of the second last and last columns of the table list of investment-linked funds charges on pages 4 to 6 will be changed to External Annual Management Charges (based on the value of the underlying fund) and Royal Skandia Annual Management Charge (based on the value of the investmentlinked fund) respectively. The following details are appended to the table list of investment-linked funds charges on page 6: Royal Skandia Investment-Linked Fund Name Sector External Annual Management Charges (based on the value of the underlying fund) Royal Skandia Annual Management Charge (based on the value of the investmentlinked fund) 1. RS USD Aberdeen Asian Local Currency Global Fixed Interest 1.00% 1% Short Duration Bond 2. RS USD Aberdeen Global Asia Pacific Asia Pacific Excluding 1.75% 1% Equity Japan 3. RS USD Eastspring Investments Dragon Global Emerging Markets 1.75% 1% Peacock 4. RS USD Eastspring Investments Indonesia Global Emerging Markets 1.50% 1% Equity 5. RS USD First State China Growth Asia Pacific Excluding 2.00% 1% Japan 6. RS USD Franklin High Yield Global Fixed Interest 1.20% 1% 7. RS USD Franklin Technology Specialist 1.50% 1% 8. RS USD Henderson Horizon China Asia Pacific Excluding 1.20% 1% Japan 9. RS USD Invesco Asia Consumer Demand Asia Pacific Excluding 1.50% 1% Japan 10. RS USD Invesco Asia Infrastructure Asia Pacific Excluding 1.50% 1% Japan 11. RS USD Invesco Emerging Local Currencies Global Fixed Interest 1.50% 1% Debt 12. RS USD Investec Emerging Markets Local Currency Debt Global Fixed Interest 1.50% 1%

Royal Skandia Investment-Linked Fund Name Sector External Annual Management Charges (based on the value of the underlying fund) Royal Skandia Annual Management Charge (based on the value of the investmentlinked fund) 13. RS USD Investec Latin American Corporate Global Fixed Interest 1.50% 1% Debt 14. RS USD Investec Latin American Equity Global Emerging Markets 1.50% 1% 15. RS USD JPMorgan India Asia Pacific Excluding 1.50% 1% Japan 16. RS USD JPMorgan Global Consumer Global Equities 1.50% 1% Trends 17. RS USD Templeton Emerging Markets Bond Global Fixed Interest 1.50% 1% 18. RS USD Templeton Frontier Markets Global Emerging Markets 2.10% 1% 19. RS USD Templeton Global Total Return Global Fixed Interest 1.05% 1% The following paragraphs are appended to the section fund management groups on page 12: First State Investments Established - 1988 First linked to Royal Skandia 2003 First State Investments is the international operation of Colonial First State Global Asset Management ( CFSGAM ), the specialist asset management business of the Commonwealth Bank of Australia. CFSGAM is one of the largest Australian-based investment managers with offices in Sydney, Melbourne, Auckland, London, Edinburgh, Paris, Frankfurt, New York, Hong Kong, Singapore, Jakarta and Tokyo. First State Investments offers a range of product solutions to institutional and retail investors globally across a diverse range of asset classes, including Australian equities, global equities, Asia Pacific and global emerging markets, global resources, global property securities, global listed infrastructure securities, global fixed interest and credit, emerging market debt, short term investments, direct property and infrastructure investments. Their approach to investment is driven by a commitment to providing the best possible outcomes over the long term for investors. To achieve this, First State ensures their interests are aligned with investors and uphold a culture of always acting in clients best interests. Henderson Global Investors Established - 1934 First linked to Royal Skandia 1998 Established in 1934, Henderson is a leading global asset management firm. The company provides its individuals, private banks, third party distributors, insurance companies, pension funds, government bodies, investment trusts, charities and corporate entities with access to skilled investment professionals representing a broad range of asset classes, including equities, fixed income, property and private capital. Henderson is one of Europe s largest investment managers, manage more than US$99.8 billion and employ around 1,060 members of staff worldwide, of which 287 are investment professionals. (as at 30 June 2012).

Headquartered in London, Henderson sets up offices in Amsterdam, Edinburgh, Frankfurt, Luxembourg, Madrid, Milan, Paris, Vienna and Zurich, Chicago and Hartford in the USA as well as Beijing, New Delhi, Hong Kong, Singapore and Tokyo. It is wholly owned by Henderson Group plc, which is dual listed on the London Stock Exchange and the Australian Securities Exchange, and is a constituent of the FTSE 250 and S&P/ASX 200 indices. The following paragraphs are appended to the section self select on page 42: 1. RS USD Aberdeen Asian Local Currency Short Duration Bond 1,2,3 US$/ */ */ HK$* fund invests solely in the Aberdeen Global Asian Local Currency Short Duration Bond Fund (A2 Share), a sub fund of Aberdeen Global, a Luxembourg registered SICAV managed by Aberdeen Global Services S.A achieve long-term total return by investing at least two-thirds of the assets in short duration local Asian currency denominated debt and debt-related securities issued by governments, supranational institutions or government related bodies domiciled in Asia; and/or companies that have their registered office in Asia; and/or companies which have the preponderance of their business activities in Asia; and/or holding companies that have the preponderance of assets in companies with their registered office in Asia. 2. RS USD Aberdeen Global Asia Pacific Equity 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Aberdeen Global Asia Pacific Equity Fund (A2 Share), a sub fund of Aberdeen Global, a Luxembourg registered SICAV managed by Aberdeen Global Services S.A. achieve long-term total return by investing at least two-thirds of the assets in equities and equity-related securities of companies with their registered office in Asia Pacific countries (excluding Japan); and/or of companies which have the preponderance of their business activities in Asia Pacific countries (excluding Japan); and/or of holding companies that have the preponderance of their assets in companies with their registered office in Asia Pacific countries (excluding Japan). 3. RS USD Eastspring Investments Dragon Peacock 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Eastspring Investments Dragon Peacock Fund (A USD), a sub-fund of Eastspring Investments, an open-ended investment company registered in Luxembourg, managed by Eastspring Investments (Singapore) Limited. maximize long-term total return by investing primarily in equity and equity related instruments of corporations, which are incorporated in, or listed in, or operating principally from, or carrying on significant business in, or derive substantial revenue from, or whose subsidiaries, related or associated corporations derive substantial revenue from, the People's Republic of China (PRC) and the Republic of India. The investments of the underlying fund include, but are not limited to, listed securities in the Recognised Markets, depository receipts, including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities convertible into common shares, preference shares and warrants. 4. RS USD Eastspring Investments Indonesia Equity 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Eastspring Investments Indonesia Equity Fund (A USD), a sub-fund of Eastspring Investments, an open-ended investment company registered in Luxembourg, managed by Eastspring Investments (Singapore) Limited. maximize long-term total return by investing primarily in equity and equityrelated securities of companies, which are incorporated, listed in or have their area of primary activity, in Indonesia. The underlying fund may also invest in depository receipts, including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities convertible into common shares, preference shares and warrants.

5. RS USD First State China Growth 1,2,3,4 US$/ */ */ HK$* fund invests solely in the First State China Growth Fund (Class I Acc USD) ), a sub fund of First State Global Umbrella Fund plc, an Irish authorised Investment Company managed by First State Investments (Hong Kong) Limited. achieve long term capital appreciation by investing primarily in securities issued by companies with either assets in, or revenues derived from the People's Republic of China that are listed, traded or dealt in on regulated markets in China, Hong Kong, Taiwan, the US or in a member state of the OECD. 6. RS USD Franklin High Yield 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Franklin High Yield Fund (A Acc USD), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Advisers, Inc. earn a high level of current income and seeks capital appreciation when consistent with its principal objective, by principally investing either directly or through the use of financial derivative instruments, in fixed income debt Securities of US or Non-US issuers. 7. RS USD Franklin Technology 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Franklin Technology Fund (A Acc USD), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Advisers, Inc. achieve capital appreciation by investing at least two-thirds of its assets in equity securities of US and non US companies expected to benefit from the development, advancement and use of technology and communication services and equipment. 8. RS USD Henderson Horizon China 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Henderson Horizon China Fund (A2 Share), a sub fund of the Henderson Horizon Fund, a Luxembourg authorised SICAV managed by Henderson Fund Management (Luxembourg) S.A. seek long-term capital appreciation through investment in securities listed primarily in China, Hong Kong and Taiwan. The underlying fund may also invest in companies incorporated elsewhere that have significant assets, business, production, trading activity or other interests in China, Hong Kong or Taiwan. 9. RS USD Invesco Asia Consumer Demand 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Invesco Asia Consumer Demand Fund (A Acc USD), a sub fund of Invesco Funds, a Luxembourg domiciled SICAV managed by Invesco Management S.A. achieve long-term capital appreciation by investing at least 70% of the total assets of the underlying fund in equity securities of Asian companies whose business is likely to benefit from, or is related to growth in domestic consumption in Asian economies, excluding Japan. 10. RS USD Invesco Asia Infrastructure 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Invesco Asia Infrastructure Fund (A Acc USD), a sub fund of Invesco Funds, a Luxembourg domiciled SICAV managed by Invesco Management S.A. achieve long-term capital growth from investments in a diversified portfolio of Asian securities of issuers which are predominantly engaged in infrastructure activities.

11. RS USD Invesco Emerging Local Currencies Debt 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Invesco Emerging Local Currencies Debt Fund (A Dist USD), a sub fund of Invesco Funds, a Luxembourg domiciled SICAV managed by Invesco Management S.A. achieve long-term capital growth and high income. The underlying fund will invest at least two thirds of its total assets (after deduction of ancillary liquid assets) in a flexible allocation of cash, debt securities (including corporate bonds, and bonds issued by supranational organisations) and financial derivative instruments which are denominated in the currency of emerging market countries. 12. RS USD Investec Emerging Markets Local Currency Debt 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Investec Emerging Markets Local Currency Debt Fund (A Share), a sub fund of the Investec Global Strategy Fund, a Luxembourg domiciled SICAV managed by Investec Asset Management Limited. provide income and generate capital gains over the long term, primarily through investment in public sector, sovereign and corporate bonds issued by emerging market borrowers. These securities will be primarily denominated in the currencies of emerging market countries. 13. RS USD Investec Latin American Corporate Debt 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Investec Latin American Corporate Debt Fund (A Share), a sub fund of the Investec Global Strategy Fund, a Luxembourg domiciled SICAV managed by Investec Asset Management Limited. achieve a high level of income, with the opportunity for capital gain, from a diversified portfolio of fixed and floating rate securities issued by Latin American governments and institutions, companies incorporated in Latin America and companies incorporated outside of Latin America but which carry out a significant proportion of their operations (more than 50%) in Latin America and/or companies incorporated outside of Latin America which are controlled by entities established in Latin America. 14. RS USD Investec Latin American Equity 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Investec Latin American Equity Fund (A Share), a sub fund of the Investec Global Strategy Fund, a Luxembourg domiciled SICAV managed by Investec Asset Management Limited. achieve long term capital growth primarily through investment in equities or equity-related securities of companies incorporated in Latin America, companies incorporated outside of Latin America but which carry out a significant proportion (more than 50%) of their operations in Latin America and/or companies incorporated outside of Latin America which are controlled by entities established in Latin America. 15. RS USD JPMorgan India 1,2,3,4 US$/ */ */ HK$* fund invests solely in the JPMorgan India Fund (A Share), a sub fund of JPMorgan Funds, a Luxembourg domiciled SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. provide long-term capital growth by investing primarily in Indian companies. 16. RS USD JPMorgan Global Consumer Trends 1,2,3,4 US$/ */ */ HK$* fund invests solely in the JPMorgan Global Consumer Trends Fund (A Acc USD), a sub-fund of JPMorgan Funds, a Luxembourg domiciled SICAV managed by JPMorgan Asset Management (Europe) S.a.r.l. provide long-term capital growth by investing primarily in companies benefiting from

consumer driven opportunities, globally. 17. RS USD Templeton Emerging Markets Bond 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Templeton Emerging Markets Bond Fund (A Acc USD), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Advisers, Inc. maximize total investment return, consisting of a combination of interest income, capital appreciation and currency gains by investing principally in a portfolio of fixed and floating rate debt securities and debt obligations issued by governments and government- related issuers or corporate entities located in developing or emerging market countries. 18. RS USD Templeton Frontier Markets 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Templeton Frontier Markets Fund (A Acc USD), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Templeton Asset Management Ltd. achieve long-term capital appreciation by investing principally in equity securities of companies incorporated and/or having their principal business activities in the frontier markets countries across the market capitalisation spectrum. 19. RS USD Templeton Global Total Return 1,2,3,4 US$/ */ */ HK$* fund invests solely in the Templeton Global Total Return Fund (A Acc USD), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Advisers, Inc. maximise total investment return consisting of a combination of interest income, capital appreciation, and currency gains by investing principally in a portfolio of fixed and/or floating rate debt securities and debt obligations issued by government and government- related issuers or corporate entities worldwide. Skandia International, part of the wealth management business of Old Mutual plc, is the international group of companies which provides offshore and cross-border investment solutions. www.skandiainternationalhk.com Calls may be monitored and recorded for training purpose and to avoid misunderstandings. Investment involves risks. For details of the underlying fund including the risk factors, fees and charges, please refer to the respective prospectus of the underlying fund which is made available from the financial adviser in the first instance or at our Hong Kong office. Royal Skandia s Hong Kong Office: 24 th Floor, Henley Building, 5 Queen s Road Central, Hong Kong Phone: + 852 3552 5888 Fax: +852 3552 5889 E-mail: hongkong@royalskandia.com Website: www.skandiainternationalhk.com Authorised by the Insurance Authority of Hong Kong to carry on long term business Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) 1624 655 555 Fax: +44 (0) 1624 611 715Authorised by the Isle of Man Insurance and Pensions Authority. Royal Skandia is a member of the Association of International Life Offices. SK9054/INT13-0327/April 2013

ADD01 2013 2013 4 17 SK8239 / INT12-0481/January 2013 4 6 6 1. 1.00% 1% 2. 1.75% 1% 3. 1.75% 1% 4. 1.50% 1% 5. 2.00% 1% 6. 1.20% 1% 7. 1.50% 1% 8. 1.20% 1% 9. 1.50% 1% 10. 1.50% 1% 11. 1.50% 1% 12. 1.50% 1% 13. 1.50% 1% 14. 1.50% 1% 15. 1.50% 1% 16. 1.50% 1% 17. 1.50% 1% 18. 2.10% 1% 19. 1.05% 1%

12 1988 2003 Colonial First State Global Asset Management (CFSGAM) CFSGAM 1934 1998 1934 998 1,060 287 2012 6 30 Henderson Group plc Henderson Group plc 250 ASX200 42 1. (1,2,3) * * * (A2 Share) Aberdeen Global Services S.A SICAV 2/3 2. (1,2,3,4) * * * (A2 Share) Aberdeen Global Services S.A SICAV 2/3

3. (1,2,3,4) * * * (A USD) Eastspring Investments (Singapore) Limited ADR GDR 4. (1,2,3,4) * * * (A USD) Eastspring Investments (Singapore) Limited ADR GDR 5. (1,2,3,4) * * * (Class I Acc USD) 6. (1,2,3,4) * * * (A Acc USD) Franklin Advisers, Inc. SICAV 7. (1,2,3,4) * * * (A Acc USD) Franklin Advisers, Inc. SICAV 8. (1,2,3,4) * * * (A2 Share) Henderson Fund Management (Luxembourg) S.A. SICAV 9. (1,2,3,4) * * * (A Acc USD)

Invesco Management S.A. SICAV 70% 10. (1,2,3,4) * * * (A Acc USD) Invesco Management S.A. SICAV 11. (1,2,3,4) * * * (A Dist USD) Invesco Management S.A. SICAV 12. (1,2,3,4) * * * (A Share) Investec Asset Management Limited SICAV 13. (1,2,3,4) * * * (A Share) Investec Asset Management Limited SICAV 50% 14. (1,2,3,4) * * * (A Share) Investec Asset Management Limited SICAV 50% 15. (1,2,3,4) * * * (A Share) JPMorgan Asset Management (Europe) S.à.r.l. SICAV

16. (1,2,3,4) * * * (A Acc USD) JPMorgan Asset Management (Europe) S.a.r.l SICAV 17. (1,2,3,4) * * * (A Acc USD) Franklin Advisers, Inc. SICAV 18. (1,2,3,4) * * * (A Acc USD) Franklin Asset Management Ltd. SICAV 19. (1,2,3,4) * * * (A Acc USD) Franklin Advisers, Inc. SICAV Skandia International Old Mutual plc www.skandiainternationalhk.com 5 24 + 852 3552 5888 +852 3552 5889 hongkong@royalskandia.com www.skandiainternationalhk.com Royal Skandia Life Assurance Limited 24916C Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. +44 (0) 1624 655 555 +44 (0) 1624 611 715 (Isle of Man Insurance & Pensions Authority) (Association of International Life Offices) SK9054/INT13-0327/April 2013

Ref ADD02/2013 Second addendum to the details of the Royal Skandia investment-linked funds brochure This addendum should be read and issued in conjunction with the principal brochure (comprising the product brochure, details of the Royal Skandia investment-linked funds brochure and its First Addendum (ADD01/2013) issued in April 2013) and Product Key Facts Statement of the respective products (the Managed Savings Account, Managed Pension Account, Managed Capital Account and Executive Wealthbuilder Account). The new investment-linked funds below have been launched with effect from 23/05/2013.The contents of the details of the Royal Skandia investment-linked funds brochure) (SK3908/INT12-0298/January 2013) which applies to the above mentioned products are updated as below accordingly. The following details are appended to the table list of investment-linked funds charges on page 6 (after perusal of the First Addendum (ADD01/2013) to the details of the Royal Skandia investment-linked funds brochure): Royal Skandia Investment-Linked Fund Name Sector External Annual Management Charges (based on the value of the underlying fund) Royal Skandia Annual Management Charge (based on the value of the investmentlinked fund) 1. RS USD Baring ASEAN Frontiers Asia Pacific Excluding 1.25% 1% Japan - Equities 2. RS USD BlackRock Emerging Markets Fixed Interest - Global 1.00% 1% Local Currency Bond 3. RS USD Fidelity China Consumer Asia Pacific Excluding 1.50% 1% Japan - Equities 4. RS USD Fidelity Global Dividend Global - Equities 1.50% 1% 5. RS USD Franklin Gold & Precious Metals Commodity & Energy - 1.50% 1% Other 6. RS USD Franklin Mutual Global Discovery Global Equities 1.50% 1% 7. RS USD Franklin Natural Resources Commodity & Energy - 1.50% 1% Other 8. RS USD Invesco PRC Equity Asia Pacific Excluding 2.00% 1% Japan - Equities 9. RS USD Schroder ISF Global Climate Change Equity Global - Equities 1.50% 1% 10. RS USD Schroder ISF Global High Yield Fixed Interest - Global 1.00% 1% 11. RS USD Schroder ISF QEP Global Active Value Global - Equities 1.25% 1%

The following paragraphs are appended to the section self select on page 42: 1. RS USD Baring ASEAN Frontiers (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Baring ASEAN Frontiers Fund (class A), a sub fund of Baring International Umbrella Fund, a unit trust authorised in Ireland, managed by Baring International Fund Managers (Ireland) Limited. achieve long-term capital growth in the value of assets by investing in companies in Asia which the managers believe will benefit from the economic growth and development of the region. 2. RS USD BlackRock Emerging Markets Local Currency Bond (1,2,3,4) US$/ */ */ HK$* fund invests solely in the BlackRock Emerging Markets Local Currency Bond Fund (class A), a sub fund of BlackRock Global Funds, a Luxembourg registered SICAV managed by BlackRock (Luxembourg) S.A. maximise total return. The underlying fund invests at least 70% of its total assets in local currency denominated fixed income transferable securities issued by governments and agencies of, and companies domiciled or exercising the predominant part of their economic activity in, emerging markets. 3. RS USD Fidelity China Consumer (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Fidelity China Consumer Fund (class A), a sub fund of Fidelity Funds, a Luxembourg registered SICAV managed by FIL Investment Management (Luxembourg) S.A. achieve long-term capital growth through investing primarily in equity securities of companies having their head office or exercising a predominant part of their activities in China or Hong Kong. These companies are involved in the development, manufacture or sales of goods or services to consumers in China. 4. RS USD Fidelity Global Dividend (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Fidelity Global Dividend Fund (class A), a sub fund of Fidelity Funds, a Luxembourg registered SICAV managed by FIL Investment Management (Luxembourg) S.A achieve income and long term capital growth principally through investments in income producing equity securities globally. 5. RS USD Franklin Gold & Precious Metals (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Franklin Gold and Precious Metals Fund (class A), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Advisers Inc. achieve capital appreciation by investing principally of its net assets in the securities of companies around the world that mine, process or deal in gold and other precious metals such as platinum, palladium and silver. 6. RS USD Franklin Mutual Global Discovery (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Franklin Mutual Global Discovery Fund (class A), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Mutual Advisers, LLC. achieve capital appreciation by investing in common stock, preferred stock and debt securities convertible or expected to be convertible into common or preferred stock of companies of any

nation as well as in sovereign debts and participations in foreign government debts that the investment manager believes are available at market prices less than their intrinsic value. 7. RS USD Franklin Natural Resources (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Franklin Natural Resources Fund (class A), a sub fund of Franklin Templeton Investment Funds, a Luxembourg registered SICAV managed by Franklin Advisers Inc. provide investors with capital appreciation and current income by investing primarily in equity securities issued by companies that are involved in natural resources and related businesses. These companies may be of any size and located in any country, including emerging markets. 8. RS USD Invesco PRC Equity (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Invesco PRC Equity Fund (class A), a sub fund of Invesco Funds Series 5, a unit trust authorised in Ireland, managed by Invesco Global Asset Management Limited. achieve long-term capital growth by investing in transferable securities of companies with substantial exposure to mainland China. 9. RS USD Schroder ISF Global Climate Change Equity (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Schroder ISF Global Climate Change Equity (class A), a sub fund of Schroder International Selection Fund, a Luxembourg registered SICAV managed by Schroder Investment Management (Luxembourg) S.A. provide capital growth primarily through investment in equities securities of worldwide issuers which will benefit from efforts to accommodate or limit the impact of global climate change. 10. RS USD Schroder ISF Global High Yield (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Schroder ISF Global High Yield (class A), a sub fund of Schroder International Selection Fund, a Luxembourg registered SICAV managed by Schroder Investment Management (Luxembourg) S.A. provide a return of capital growth and income primarily through investment in a portfolio of bonds and other fixed and floating rate securities denominated in various currencies and issued by governments, government agencies, supra-national and corporate issuers worldwide. 11. RS USD Schroder ISF QEP Global Active Value (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Schroder ISF QEP Global Active Value (class A), a sub fund of Schroder International Selection Fund, a Luxembourg registered SICAV managed by Schroder Investment Management (Luxembourg) S.A. provide a total return primarily through active investment in a diversified value style biased portfolio of equity and equity related securities of companies worldwide.

Skandia International, part of the wealth management business of Old Mutual plc, is the international group of companies which provides offshore and cross-border investment solutions. www.skandiainternationalhk.com Calls may be monitored and recorded for training purpose and to avoid misunderstandings. Investment involves risks. For details of the underlying fund including the risk factors, fees and charges, please refer to the respective prospectus of the underlying fund which is made available from the financial adviser in the first instance or at our Hong Kong office. Royal Skandia s Hong Kong Office: 24 th Floor, Henley Building, 5 Queen s Road Central, Hong Kong Phone: + 852 3552 5888 Fax: +852 3552 5889 E-mail: hongkong@royalskandia.com Website: www.skandiainternationalhk.com Authorised by the Insurance Authority of Hong Kong to carry on long term business Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) 1624 655 555 Fax: +44 (0) 1624 611 715 Authorised by the Isle of Man Insurance and Pensions Authority. Royal Skandia is a member of the Association of International Life Offices. SK9055/INT13-0328/May 2013

ADD02/2013 (SK8239/INT12-0481/January 2013) 2013 4 (ADD01/2013) 2013 5 23 6 (ADD01/2013 ) 1. 1.25% 1% 2. 1.00% 1% 3. 1.50% 1% 4. 1.50% 1% 5. 1.50% 1% 6. 1.50% 1% 7. 1.50% 1% 8. 2.00% 1% 9. 10. 11. 1.50% 1% 1.00% 1% 1.25% 1% 42 1. (1,2,3,4) * * * A Baring International Fund Managers (Ireland) Limited

2. (1,2,3,4) * * * A (SICAV) BlackRock (Luxembourg) S.A. 70% 3. (1,2,3,4) * * * A (SICAV) FIL Investment Management (Luxembourg) S.A. 4. (1,2,3,4) * * * A (SICAV) FIL Investment Management (Luxembourg) S.A. 5. (1,2,3,4) * * * A (SICAV) Franklin Advisers Inc. 6. (1,2,3,4) * * * A (SICAV) Franklin Mutual Advisers, LLC 7. (1,2,3,4) * * * A (SICAV) Franklin Advisers Inc. 8. (1,2,3,4) * * * A Invesco Global Asset Management Limited

9. (1,2,3,4) * * * A (SICAV) Schroder Investment Management (Luxembourg) S.A. 10. (1,2,3,4) * * * A (SICAV) Schroder Investment Management (Luxembourg) S.A. 11. (1,2,3,4) * * * A (SICAV) Schroder Investment Management (Luxembourg) S.A. Skandia International Old Mutual plc www.skandiainternationalhk.com 5 24 + 852 3552 5888 +852 3552 5889 hongkong@royalskandia.com www.skandiainternationalhk.com Royal Skandia Life Assurance Limited 24916C Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles +44 (0) 1624 655 555 +44 (0) 1624 611 715 (Isle of Man Insurance and Pensions Authority) (Association of International Life Offices) SK9055/INT13-0328/May 2013

Ref ADD03/2013 Third addendum to the details of the Royal Skandia investment-linked funds brochure This addendum should be read and issued in conjunction with the principal brochure (comprising the product brochure, details of the Royal Skandia investment-linked funds brochure (SK3908/INT12-0298/January 2013) and its First and Second addenda (ADD01 and ADD02/2013) issued in April and May 2013) and Product Key Facts Statement of the respective products (the Managed Savings Account, Managed Pension Account, Managed Capital Account and Executive Wealthbuilder Account). Due to merger of the underlying funds of BNP Paribas L1 with the relevant underlying funds of PARVEST on 21 May 2013, the underlying funds and names of the Royal Skandia BNP Paribas L1 investment-linked funds have been changed as follows. The relevant Royal Skandia investment-linked funds listed in the first column of the table list of investment-linked funds charges on page 5 of the details of the Royal Skandia investment-linked funds brochure and as supplemented by its First and Second addenda have been changed as follows: Existing name of Royal Skandia investmentlinked fund RS USD BNP Paribas L1 Bond Best Selection World Emerging RS EUR BNP Paribas L1 Equity Russia RS USD BNP Paribas L1 Equity World Emerging RS EUR BNP Paribas L1 Equity World Materials RS EUR BNP Paribas L1 Equity World Utilities New name of Royal Skandia investment-linked fund RS USD Parvest Bond Best Selection World Emerging RS EUR Parvest Equity Russia RS USD Parvest Equity World Emerging RS EUR Parvest Equity World Materials RS EUR Parvest Equity World Utilities The relevant contents under the section self select on pages 28 and 29 are changed as follows. 1. On page 28, the title and first sub-paragraph in respect of RS USD BNP Paribas L1 Bond Best Selection World Emerging are deleted and replaced by the contents as underlined below. The second subparagraph remains unchanged: RS USD Parvest Bond Best Selection World Emerging 1,2,3,4 fund invests solely in the PARVEST Bond Best Selection World Emerging, a sub-fund of PARVEST, a Luxembourg-registered SICAV managed by BNP Paribas Investment Partners Luxembourg S.A. The objective of the underlying fund is to increase asset value in the medium term. The underlying fund invests at least 2/3 of its assets in a limited number of bonds and debt securities or other securities issued by emerging countries defined as non OECD countries prior to 1 January 1994 together with Turkey or by companies characterised by a strong financial structure and/or potential for profitable growth that have their registered offices or conduct a majority of their business activities in these countries, as well as in derivative financial instruments on this type of asset. The remaining portion, namely a maximum of 1/3 of its assets, may be invested in any other transferable securities, money market instruments, derivative financial instruments or cash, and up to 10% of its assets in other UCITs or UCIs.

2. On page 28, the title and first sub-paragraph in respect of RS EUR BNP Paribas L1 Equity Russia are deleted and replaced by the contents as underlined below. The second sub-paragraph remains unchanged: RS EUR Parvest Equity Russia 1,2,3,4 /US$*/ */HK$* fund invests solely in the PARVEST Equity Russia, a sub-fund of PARVEST, a Luxembourg registered SICAV managed by BNP Paribas Investment Partners Luxembourg S.A. increase asset value in the medium term. The underlying fund invests at least 2/3 of its assets in shares or other securities of companies that have their registered offices or conduct the majority of their business activities in Russia and in derivative financial instruments on this type of asset. The remaining portion, namely a maximum of 1/3 of its assets, may be invested in any other transferable securities, money market instruments, derivative financial instruments or cash, provided that the investments in debt securities of any kind do not exceed 15% of its assets and up to 10% of its assets in other UCITs or UCIs. 3. On page 28, the title and first sub-paragraph in respect of RS USD BNP Paribas L1 Equity World Emerging are deleted and replaced by the contents as underlined below. The second sub-paragraph remains unchanged: RS USD Parvest Equity World Emerging 1,2,3,4 fund invests solely in the PARVEST Equity World Emerging, a sub-fund of PARVEST, a Luxembourg-registered SICAV managed by BNP Paribas Investment Partners Luxembourg S.A. increase asset value in the medium term. The underlying fund invests at least 2/3 of its assets in shares or other securities of companies that have their registered offices or conduct the majority of their business activities in emerging countries defined as non OECD countries prior to 1 January1994 together with Turkey, and in financial derivative instruments on this type of asset. The remaining portion, namely a maximum of 1/3 of its assets, may be invested in any other transferable securities, money market instruments, financial derivative instruments or cash, provided that the investments in debt securities of any kind do not exceed 15% of its assets and up to 10% of its assets in other UCITs or UCIs. 4. On page 29, the title and first sub-paragraph in respect of RS EUR BNP Paribas L1 Equity World Materials are deleted and replaced by the contents as underlined below. The second sub-paragraph remains unchanged: RS EUR Parvest Equity World Materials 1,2,3,4 /US$*/ */HK$* fund invests solely in the PARVEST Equity World Materials, a sub-fund of PARVEST, a Luxembourg-registered SICAV managed by BNP Paribas Investment Partners Luxembourg S.A. increase asset value in the medium term. The underlying fund invests at least 2/3 of its assets in shares or other securities of companies that conduct the majority of their business activities in the materials sector (e.g. among others, in building and packaging materials, base chemicals, metals, forestry, paper etc.) and related or connected sectors, as well as in derivative financial instruments on this type of asset. The remaining portion, namely a maximum of 1/3 of its assets, may be invested in any other transferable securities, money market instruments, derivative financial instruments or cash, provided that the investments in debt securities of any kind do not exceed 15% of its assets and up to 10% of its assets in other UCITs or UCIs. 5. On page 29, the title and first sub-paragraph in respect of RS EUR BNP Paribas L1 Equity World Utilities are deleted and replaced by the contents as underlined below. The second sub-paragraph remains unchanged: RS EUR Parvest Equity World Utilities 1,2,3,4 /US$*/ */HK$* fund invests solely in the PARVEST Equity World Utilities, a sub fund of PARVEST, a Luxembourg registered SICAV managed by BNP Paribas Investment Partners Luxembourg S.A.

increase asset value in the medium term. The underlying fund invests at least 2/3 of its assets in shares or other securities of companies that conduct the majority of their business activities in the local authorities services sector and in related or connected sectors and in derivative financial instruments on this type of asset. The remaining portion, namely a maximum of 1/3 of its assets, may be invested in any other transferable securities, money market instruments, derivative financial instruments or cash, provided that the investments in debt securities of any kind do not exceed 15% of its assets and up to 10% of its assets in other UCITs or UCIs. Skandia International, part of the wealth management business of Old Mutual plc, is the international group of companies which provides offshore and cross-border investment solutions. www.skandiainternationalhk.com Calls may be monitored and recorded for training purpose and to avoid misunderstandings. Investment involves risks. For details of the underlying fund including the risk factors, fees and charges, please refer to the respective prospectus of the underlying fund which is made available from the financial adviser in the first instance or at our Hong Kong office. Royal Skandia s Hong Kong Office: 24 th Floor, Henley Building, 5 Queen s Road Central, Hong Kong Phone: + 852 3552 5888 Fax: +852 3552 5889 E-mail: hongkong@royalskandia.com Website: www.skandiainternationalhk.com Authorised by the Insurance Authority of Hong Kong to carry on long term business Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) 1624 655 555 Fax: +44 (0) 1624 611 715 Authorised by the Isle of Man Insurance and Pensions Authority. Royal Skandia is a member of the Association of International Life Offices. SK9069/INT13-0341/June 2013

ADD03/2013 SK8239 / INT12-0481/January 2013 2013 4 5 ADD01 ADD02/2013 L1 PARVEST 2013 5 21 L1 5 L1 L1 L1 L1 L1 28-29 1. 28 L1 1,2,3,4 * * * BNP Paribas Investment Partners Luxemburg S.A. SICAV 2/3 1994 1 1 1/3 10% UCITS UCI 2. 28 L1 1,2,3,4 * * * BNP Paribas Investment Partners Luxemburg S.A. SICAV 2/3 1/3 15% 10% UCITS UCI

3. 28 L1 1,2,3,4 * * * BNP Paribas Investment Partners Luxemburg S.A. SICAV 2/3 1994 1 1 1/3 15% 10% UCITS UCI 4. 29 L1 1,2,3,4 * * * BNP Paribas Investment Partners Luxemburg S.A. SICAV 2/3 1/3 15% 10% UCITS UCI 5. 29 L1 1,2,3,4 * * * BNP Paribas Investment Partners Luxemburg S.A. SICAV 2/3 1/3 15% 10% UCITS UCI

Skandia International Old Mutual plc www.skandiainternationalhk.com 5 24 + 852 3552 5888 +852 3552 5889 hongkong@royalskandia.com www.skandiainternationalhk.com Royal Skandia Life Assurance Limited 24916C Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. +44 (0) 1624 655 555 +44 (0) 1624 611 715 (Isle of Man Insurance & Pensions Authority) (Association of International Life Offices) SK9069/INT13-0341/June 2013

Ref ADD04/2013 Fourth addendum to the details of the Royal Skandia investment-linked funds brochure This addendum should be read and issued in conjunction with the principal brochure (comprising the product brochure, details of the Royal Skandia investment-linked funds brochure and its First, Second and Third Addenda (ADD01, ADD02 and ADD03/2013) issued in 2013) and Product Key Facts Statement of the respective products (the Managed Savings Account, Managed Pension Account, Managed Capital Account and Executive Wealthbuilder Account). The new investment-linked funds below have been launched with effect from 21 June 2013. The contents of the details of the Royal Skandia investment-linked funds brochure) (SK3908/INT12-0298/January 2013) which applies to the abovementioned products are updated as below accordingly. The following details are appended to the table list of investment-linked funds charges on page 6 (after perusal of the First, Second and Third Addenda (ADD01, ADD02 and ADD03/2013) to the details of the Royal Skandia investment-linked funds brochure): Royal Skandia Investment-Linked Fund Name Sector External Annual Management Charges (based on the value of the underlying fund) Royal Skandia Annual Management Charge (based on the value of the investmentlinked fund) 1. RS USD JPMorgan Global Natural Commodity & Energy 1.50% 1% Resources 2. RS USD JPMorgan Highbridge Statistical Specialist 1.50% 1% Market Neutral 3. RS USD JPMorgan Emerging Middle East Global Emerging Markets 1.50% 1% Equity 4. RS USD JPMorgan Emerging Europe, Global Emerging Markets 1.50% 1% Middle East and Africa Equity 5. RS USD JPMorgan Global High Yield Global Fixed Interest 0.85% 1% Bond 6. RS USD JPMorgan Emerging Markets Global Fixed Interest 1.15% 1% Debt 7. RS USD JPMorgan Asia Pacific Income Asia Pacific Excluding Japan 1.50% 1% The following paragraphs are appended to the section self select on page 42: 1. RS USD JPMorgan Global Natural Resources (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Global Natural Resources Fund (class A), a sub fund of JPMorgan Funds, a Luxembourg registered SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. provide long-term capital growth by investing primarily in natural resources companies, globally, many of which are in the early stages of exploration.

2. RS USD JPMorgan Highbridge Statistical Market Neutral (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Highbridge Statistical Market Neutral Fund (class A), a sub fund of JPMorgan Investment Funds, a Luxembourg registered SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. provide a total return in all market environments in excess of the return on short-term instruments, through a market neutral strategy. Derivatives will be used where appropriate to gain exposure primarily to European and US equity securities. 3. RS USD JPMorgan Emerging Middle East Equity (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Emerging Middle East Equity Fund (class A), a sub fund of JPMorgan Funds, a Luxembourg registered SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. provide long-term capital growth by investing primarily in companies of the emerging markets of the Middle East region. 4. RS USD JPMorgan Emerging Europe, Middle East and Africa Equity (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Emerging Europe, Middle East and Africa Equity Fund (class A), a sub fund of JPMorgan Funds, a Luxembourg registered SICAV managed by JP Morgan Asset Management (Europe) S.à.r.l. provide long-term capital growth by investing primarily in companies of the emerging markets of central, eastern and southern Europe, Middle East and Africa. 5. RS USD JPMorgan Global High Yield Bond (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Global High Yield Bond Fund (class A), a sub fund of JPMorgan Investment Funds, a Luxembourg registered SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. achieve a return in excess of global bond markets by investing primarily in global below investment grade corporate debt securities, using financial derivative instruments where appropriate. 6. RS USD JPMorgan Emerging Markets Debt (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Emerging Markets Debt Fund (class A), a sub fund of JPMorgan Funds, a Luxembourg registered SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. achieve a return in excess of the bond markets of emerging countries by investing primarily in emerging market debt securities, including corporate securities and securities issued in local currencies, using financial derivative instruments where appropriate. 7. RS USD JPMorgan Asia Pacific Income (1,2,3,4) US$/ */ */ HK$* fund invests solely in the JPMorgan Asia Pacific Income Fund (class A), a sub fund of JPMorgan Funds, a Luxembourg registered SICAV managed by JPMorgan Asset Management (Europe) S.à.r.l. provide income and long term capital growth by investing primarily in income generating securities of countries in the Asia Pacific region (excluding Japan).

ADD04/2013 SK8239/INT12-0481/January 2013 2013 ADD01 ADD02 ADD03/2013 2013 6 21 6 (ADD01 ADD02 ADD03/2013) 1. 1.50% 1% 2. 1.50% 1% 3. 1.50% 1% 4. 1.50% 1% 5. 0.85% 1% 6. 1.15% 1% 7. 1.50% 1% 42 1. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV 2. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV 3. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV

4. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV 5. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV 6. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV 7. (1,2,3,4) * * * A JPMorgan Asset Management (Europe) S.à.r.l. SICAV Skandia International Old Mutual www.skandiainternationalhk.com 5 24 + 852 3552 5888 +852 3552 5889 hongkong@royalskandia.com www.skandiainternationalhk.com Royal Skandia Life Assurance Limited 24916C Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. +44 (0) 1624 655 555 +44 (0) 1624 611 715 (Isle of Man Insurance & Pensions Authority) (Association of International Life Offices) SK9135/INT13-0457/June 2013

Ref ADD05/2013 Fifth addendum to the details of the Royal Skandia investment-linked funds brochure This addendum should be read and issued in conjunction with the principal brochure (comprising the product brochure, details of the Royal Skandia investment-linked funds brochure and its First to Fourth Addenda (ADD01, ADD02, ADD03 and ADD04/2013) issued in 2013) and Product Key Facts Statement of the respective products (the Managed Savings Account, Managed Pension Account, Managed Capital Account and Executive Wealthbuilder Account). The new investment-linked funds below have been launched with effect from 4 September 2013. The contents of the details of the Royal Skandia investment-linked funds brochure) (SK3908/INT12-0298/January 2013) which applies to the abovementioned products are updated as below accordingly. The following details are appended to the table list of investment-linked funds charges on page 6 (after perusal of the First to Fourth Addenda (ADD01, ADD02, ADD03 and ADD04/2013) to the details of the Royal Skandia investment-linked funds brochure): Royal Skandia Investment-Linked Fund Name Sector External Annual Management Charges (based on the value of the underlying fund) Royal Skandia Annual Management Charge (based on the value of the investmentlinked fund) 1. RS EUR BlackRock GF Euro Reserve Money 0.45% 1% 2. RS USD Alquity Africa Global Emerging Markets - Equities 1.90% 1% The following paragraph is appended to the section fund management groups on page 12: Alquity Investment Management Established 2010 First linked to Royal Skandia 2012 Alquity Investment Management is a vibrant and fast growing investment management company with a difference. Their business model combines altruism with sustainable equity management to generate long-term attractive returns for investors, while positively transforming the lives of people in the areas in which we invest. Alquity s investment process is orientated towards bottom-up stock selection, based on a fundamental analysis of companies, underpinned by a strong validation discipline and overlaid by a rigorous sector and country analysis. Core to Alquity s investment belief is an appreciation of how environmental, social and governance (ESG) factors can help identify risks and opportunities, traditionally ignored by mainstream financial analysis. To ensure the implementation of this approach, Alquity has adopted the international standards for business framework set up by the United Nations Global Compact to our investment process. Alquity does not simply sell funds. They offer a completely new model of investment in emerging markets and a philosophy that redefines what is understood by long-term gain. A minimum of 25% of Alquity s revenue from net management fees is channeled into humanitarian projects. Initially these projects are linked to micro-finance, with the aim of creating 100,000 jobs by the fifth year of the fund and then 100,000 jobs a year thereafter.

Therefore profit is not the only return. The bottom line is also a lifeline. Attractive Returns, Sustainable Investment and Transforming Lives: three core principles forming a virtuous circle where both our investors and the economies in which they invest benefit. All figures as at 28 February 2013. The following paragraphs are appended to the section self select on page 42: 1. RS EUR BlackRock GF Euro Reserve (3) fund invests solely in the BlackRock Euro Reserve Fund (class A), a sub fund of BlackRock Global Funds, a Luxembourg registered SICAV managed by BlackRock (Luxembourg) S.A. maximise current income consistent with preservation of capital and liquidity. The underlying fund invests at least 90% of its total assets in investment grade fixed income transferable securities denominated in Euro and Euro cash. The weighted average maturity of the underlying fund s assets will be 60 days or less. 2. RS USD Alquity Africa (1,2,3,4) US$/ */ */ HK$* fund invests solely in the Alquity Africa Fund (class M), a sub fund of Alquity SICAV, a Luxembourg registered SICAV managed by Lemanik Asset Management S.A. provide long term capital appreciation by investing principally in (i) securities listed on regulated markets of African countries; or (ii) securities listed on regulated markets outside the African continent provided that the relevant companies realized more than 50% of their revenue and/or profit in the African continent. Investment involves risks. For details of the underlying fund including the risk factors, fees and charges, please refer to the respective prospectus of the underlying fund which is made available from the financial adviser in the first instance or at our Hong Kong office. Skandia International, part of the wealth management business of Old Mutual Wealth, is the international group of companies which provides offshore and cross-border investment solutions. www.skandiainternationalhk.com Calls may be monitored and recorded for training purpose and to avoid misunderstandings. Royal Skandia s Hong Kong Office: 24 th Floor, Henley Building, 5 Queen s Road Central, Hong Kong Phone: + 852 3552 5888 Fax: +852 3552 5889 E-mail: hongkong@royalskandia.com Authorised by the Insurance Authority of Hong Kong to carry on long term business Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) 1624 655 555 Fax: +44 (0) 1624 611 715 Authorised by the Isle of Man Insurance and Pensions Authority. Royal Skandia is a member of the Association of International Life Offices. SK9194/INT13-0545/September 2013

ADD05/2013 SK8239/INT12-0481/January 2013 2013 ADD01 ADD02 ADD03 ADD04/2013 2013 9 4 6 (ADD01 ADD02 ADD03 ADD04/2013) 1. 0.45% 1% 2. Alquity 1.90% 1% 12 Alquity 2010 2012 Alquity Alquity Alquity ESG United Nations Global Compact Alquity Alquity 25% 100,000 100,000 Alquity 2013 2 28

42 1. (3) (class A) SICAV BlackRock Luxembourg S.A. 90% 60 2. Alquity (1,2,3,4) * * * Alquity (class M) Alquity SICAV SICAV Lemanik Asset Management S.A. (i) (ii) 50% Skandia International Old Mutual Wealth www.skandiainternationalhk.com 5 24 + 852 3552 5888 +852 3552 5889 hongkong@royalskandia.com Royal Skandia Life Assurance Limited 24916C Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. +44 (0) 1624 655 555 +44 (0) 1624 611 715 (Isle of Man Insurance & Pensions Authority) (Association of International Life Offices) SK9194/INT13-0545/September 2013

Ref ADD06/2013-14 Sixth addendum to the details of the Royal Skandia investment-linked funds brochure This addendum should be read and issued in conjunction with the principal brochure (comprising the product brochure, details of the Royal Skandia investment-linked funds brochure and its First to Fifth addenda (ADD01, ADD02, ADD03, ADD04 and ADD05/2013) issued in 2013) and Product Key Facts Statement of the respective products (the Managed Savings Account, Managed Pension Account, Managed Capital Account and Executive Wealthbuilder Account). The following investment-linked funds are not available for selection. Those investment-linked funds and the relevant contents on the page numbers of the details of the Royal Skandia investment-linked funds brochure (SK3908/INT12-0298/January 2013) and the relevant addendum listed below are deleted accordingly. The following investment-linked funds and the relevant contents on the page numbers of the details of the Royal Skandia investment-linked funds brochure, or of the item number in the addendum listed below are deleted. Investment-linked fund name Deletion of the relevant contents contained in the details of the Royal Skandia investment-linked funds brochure or its relevant addendum 1. RS EUR BlackRock GF Continental Page 5, 25 and 26 European Flexible 2. RS USD BNY Mellon Continental Page 5, 29 and 30 European Equity 3. RS USD Fidelity Asian Aggressive Page 5 and 30 4. RS USD JPMorgan Highbridge Statistical Market Neutral 5. RS USD Martin Currie GF Global Resources Item 2 in ADD04/2013 Page 6 and 40 Investment involves risks. For details of the underlying fund including the risk factors, fees and charges, please refer to the respective prospectus of the underlying fund which is made available from the financial adviser in the first instance or at our Hong Kong office. Skandia International, part of the wealth management business of Old Mutual Wealth, is the international group of companies which provides offshore and cross-border investment solutions. www.skandiainternationalhk.com Calls may be monitored and recorded for training purpose and to avoid misunderstandings. Royal Skandia s Hong Kong Office: 24 th Floor, Henley Building, 5 Queen s Road Central, Hong Kong Phone: + 852 3552 5888 Fax: +852 3552 5889 E-mail: hongkong@royalskandia.com Authorised by the Insurance Authority of Hong Kong to carry on long term business Royal Skandia Life Assurance Limited is registered in the Isle of Man under number 24916C. Registered and Head Office: Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. Phone: +44 (0) 1624 655 555 Fax: +44 (0) 1624 611 715 Authorised by the Isle of Man Insurance and Pensions Authority. SK9331/INT13-0798/ February 2014

參考編號 ADD06/2013-14 萊斯基亞投資相連基金詳情刊物之附錄六本附錄文件應與相關產品 ( 理財儲蓄計劃理財退休金計劃理財資產計劃及靈變儲蓄計劃 ) 的主要推銷刊物 ( 包括產品刊物及萊斯基亞投資相連基金詳情刊物及其首份第二第三第四及第五份附錄 ) 及產品資料概要一併閱讀及派發下列投資相連基金已不提供作選擇刊載於下列萊斯基亞投資相連基金詳情刊物 (SK8239/INT12-0481/January 2013) 頁數及附錄內的項目關於該等投資相連基金及其內容已相應刪除刊載於下列萊斯基亞投資相連基金詳情刊物頁數及附錄的項目內投資相連基金及其有關內容經已刪除投資相連基金名稱從萊斯基亞投資相連基金詳情刊物或其附錄刪除的有關內容頁碼或項目編號 1. 萊斯基亞歐元貝萊德全球基金歐陸靈活第 5 及第 25 頁股票基金 2. 萊斯基亞美元紐約銀行美倫歐洲大陸股第 5 第 29 及第 30 頁票投資基金 3. 萊斯基亞美元富達亞洲進取基金第 5 及第 30 頁 4. 萊斯基亞美元摩根高橋市場中立統計基金 5. 萊斯基亞美元 Martin Currie GF 環球資源基金附錄四 (ADD04/2013) 內項目 2 第 6 及第 40 頁投資涉及風險有關相關基金的詳情, 如風險因素收費及費用等, 請參閱相關基金各自的發售章程有關章程可向專業理財顧問或在我們的香港辦事處索取 Skandia International 是隸屬 Old Mutual Wealth 的財富管理業務之一, 是提供離岸及跨境投資方案的國際集團公司 www.skandiainternationalhk.com 為供培訓用途及避免誤解, 對話內容可能會被監聽或錄音萊斯基亞香港辦事處 : 香港中環皇后大道中 5 號衡怡大廈 24 樓電話 :+ 852 3552 5888 傳真 : +852 3552 5889 電子郵箱 :hongkong@royalskandia.com 獲香港保險業監督授權經營長期業務 Royal Skandia Life Assurance Limited 於馬恩島註冊, 註冊編號為 24916C 註冊辦事處及總辦事處 : Skandia House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles. 電話 : +44 (0) 1624 655 555 傳真 : +44 (0) 1624 611 715 獲馬恩島保險及公積金監管機構 (Isle of Man Insurance & Pensions Authority) 認可及監管萊斯基亞是國際人壽保險公司協會 (Association of International Life Offices) 成員 SK9331/INT13-0798/Feburary 2014

details of the Royal Skandia investment-linked funds This document was last reviewed in January 2013. Please con rm with your nancial adviser that this is the most up-to-date document for your product or servicing needs.