PRUDENTIAL ASSURANCE MALAYSIA BERHAD

INVESTMENT-LINKED SALES ILLUSTRATION

PRUlink assurance plan For

Life Assured's Details

Name : chan geok fong Plan : PRUlink assurance plan

Plan Type : Investment - Linked
Age next birthday : 41 Premiums : RM 200.00
Sex : Female Payment frequency : Monthly
Smoking status : No Payment mode : Credit Card
Occupation class : Class 2

Fund (s) Invested : 100% of PRUlink equity fund (PEF)^

Details Of Plan
Name of Plan Term (Years) Sum Assured (RM) Premium (RM)
Basic Unit Account*: PRUlink assurance plan 59 20,000.00 (X) 25.91
Total Basic Unit Account Premium 25.91 (A)

Protection Unit Account* : PRUmajor med 4 29 PMM4 200 117.45

PRUmed 29 2 Unit(s) 24.16
PRUdisability provider 19 2,000.00 p.a. 1.60
PRUpayor basic 59 20.88
PRUprotector 29 10.00
Total Protection Unit Account Premium 174.09(B)
Total Premium 200.00(A+B)

Premium Payable by Credit Card : RM 200.00 Monthly

Minimum Annual Premium Required for PRUlink assurance plan : RM 1,800
Minimum Top-ups allowed: RM 1,000

Since only 40% of the Annual Premium for the first policy year is allocated towards the purchase of units, while top-up allocates 95% of the
amount towards purchasing units, you can maximise your investment value by minimising your annual premium and maximising your top-ups.

Notes :
^ Please refer to page 6 and 7 for fund description.

* Please refer to appendix for further details.

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 1 of 13
PRUlink assurance plan For
Main Life name: chan geok fong

Notes
The information set out below forms part of your Sales illustration.
1. This is a summary illustration of projected benefits. It is intended to show the movements of possible cash flows for the investment and the
impact of fees and charges on Cash Value based on the assumptions stated in this illustration.
2. The projected investment returns are used for illustrative purposes and are not meant to be construed as the possible returns of investment.
They are neither guaranteed nor based on past performance. The actual return may be above or below the projected rates and may be
positive or negative.
3. Prudential believes it is important that you fully appreciate all the benefits under your policy, and that you also understand how the cost of
insurance protection, distribution, administration, investment and other costs affect these benefits.

4. The illustration includes a schedule that shows how the value of your policy changes over time.
5. You should satisfy yourself that the plan serves your needs and that you can afford the premium throughout the term of the policy. If you need
clarification, please contact your friendly Prudential Representative.
6. Should you stop paying the regular premiums, the plan may continue for as long as there are sufficient units in the respective accounts. The
charges (insurance and service) for the respective accounts will be deducted through cancellation of units. If units within the accounts are
exhausted, these charges may be deducted through cancellation of units of certain selected accounts. Thereafter, depending on the
amount of units available in these selected accounts, benefits of the plan may lapse and cease to be in force at different points of time. This is
subject to your consent upon policy inception and is applicable for up to 1 year only. After 1 year we will obtain a fresh consent from you for any
subsequent cancellation of units for this purpose.

7. Your current Sum Assured Multiple (SAM) is 64 , which is calculated using the following formula:

X
SAM=
A * Frequency Factor - Loading Premium
Your current Frequency
payment frequency factor
Yearly 1
Half-yearly 2
Quarterly 4
Monthly 12

You may increase your sum assured multiple beyond the Life Insurance Association of Malaysia (LIAM) prescribed minimum:

Age Band Min SAM

<36 40
36 - 45 30
46 - 55 20
>55 10

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 2 of 13
 PRUlink assurance plan For
Main Life name: chan geok fong

Illustration of Expected Benefits (Non-Guaranteed) Continue ----->

(A) (B) (C) (D) (E)

Total Total Cash Value Cash Value Cash Value
Premium Premium Basic Unit Account Protection Unit Account Investment Unit Account
Year Age Paid at the Outlay (RM)
Beginning of Projected Projected Projected Projected Projected Projected
the Policy Investment Investment Investment Investment Investment Investment
Year (RM) Return Return Return Return Return Return
(9.0%) (2.0%) (9.0%) (2.0%) (9.0%) (2.0%)
1 42 2,400 2,400 41 39 223 215 N/A N/A
2 43 2,400 4,800 117 110 638 602 N/A N/A
3 44 2,400 7,200 229 212 1,268 1,172 N/A N/A
4 45 2,400 9,600 378 342 2,127 1,923 N/A N/A
5 46 2,400 12,000 599 531 3,429 3,049 N/A N/A
6 47 2,400 14,400 830 717 4,779 4,140 N/A N/A
7 48 2,400 16,800 1,104 930 6,381 5,389 N/A N/A
8 49 2,400 19,200 1,391 1,138 8,065 6,617 N/A N/A
9 50 2,400 21,600 1,692 1,342 9,807 7,795 N/A N/A
10 51 2,400 24,000 2,006 1,539 11,605 8,916 N/A N/A
11 52 2,400 26,400 2,333 1,729 13,440 9,960 N/A N/A
12 53 2,400 28,800 2,674 1,912 15,346 10,955 N/A N/A
13 54 2,400 31,200 3,028 2,085 17,358 11,932 N/A N/A
14 55 2,400 33,600 3,395 2,249 19,472 12,877 N/A N/A
15 56 2,400 36,000 3,776 2,402 21,670 13,770 N/A N/A
16 57 2,400 38,400 4,168 2,542 23,992 14,641 N/A N/A
17 58 2,400 40,800 4,572 2,668 26,445 15,490 N/A N/A
18 59 2,400 43,200 4,987 2,778 29,013 16,291 N/A N/A
19 60 2,400 45,600 5,413 2,872 31,656 17,000 N/A N/A
20 61 2,381 47,981 5,848 2,948 34,362 17,599 N/A N/A
Notes
1. Total Death Benefit -
This amount comprises Sum Assured of the Basic Assurance, CS Plus, PRUlink term, CCP and the Cash Value of the Basic Unit Account
(BUA), Protection Unit Account (PUA) and Investment Unit Account (IUA) which will be payable upon your death. Please refer to BUA, PUA and
IUA in appendix for details.
Basic Assurance and CS Plus sum assured covers the life assured until age 100.

2. Total Critical Illness Benefit -

This is the amount that will be payable upon diagnosis of a critical illness.
This amount comprises Sum Assured of the CS Plus, Crisis Shield and CCP.
CS Plus and Crisis Shield sum assured covers the life assured until age 100.

3. Total Cash Value -

This amount comprises of the BUA, PUA, IUA cash value, PRUlink term and CCP surrender value, which will be payable upon surrendering of
your plan.
If the policy is terminated early, you may get less than the amount of premiums paid.
4. Premium paid (as shown above), which includes the payment of BUA, PUA, Supplementary Benefit premiums & IUA is the amount that you
(the policy owner) pay annually for this policy.
5. The benefit(s) is only applicable as long as the policy is in force.
6. Please refer to the next page for guaranteed & non-guaranteed components.
7. All premium and benefit amounts are stated in monetary value.

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 3 of 13
 PRUlink assurance plan For
Main Life name: chan geok fong

Illustration of Expected Benefits (Non-Guaranteed)

(G) = (C)+(D)+(E)+(F) (J) = (C) + (D) + (E) + (I)

(F) Total Cash Value Total Death Benefit (RM)^
(H)
PRUlink Term + (I)
Total Critical
Year Age CCP Surrender Projected Projected Death Sum Projected Projected
Illness Benefit Assured (RM) ^*
Value Investment Investment Investment Investment
(RM) *
(RM)* Return Return Return Return
(9.0%) (2.0%) (9.0%) (2.0%)
1 42 N/A 264 254 N/A 20,000 20,264 20,254
2 43 N/A 755 712 N/A 20,000 20,755 20,712
3 44 N/A 1,497 1,384 N/A 20,000 21,497 21,384
4 45 N/A 2,505 2,265 N/A 20,000 22,505 22,265
5 46 N/A 4,028 3,580 N/A 20,000 24,028 23,580
6 47 N/A 5,609 4,857 N/A 20,000 25,609 24,857
7 48 N/A 7,485 6,319 N/A 20,000 27,485 26,319
8 49 N/A 9,456 7,755 N/A 20,000 29,456 27,755
9 50 N/A 11,499 9,137 N/A 20,000 31,499 29,137
10 51 N/A 13,611 10,455 N/A 20,000 33,611 30,455
11 52 N/A 15,773 11,689 N/A 20,000 35,773 31,689
12 53 N/A 18,020 12,867 N/A 20,000 38,020 32,867
13 54 N/A 20,386 14,017 N/A 20,000 40,386 34,017
14 55 N/A 22,867 15,126 N/A 20,000 42,867 35,126
15 56 N/A 25,446 16,172 N/A 20,000 45,446 36,172
16 57 N/A 28,160 17,183 N/A 20,000 48,160 37,183
17 58 N/A 31,017 18,158 N/A 20,000 51,017 38,158
18 59 N/A 34,000 19,069 N/A 20,000 54,000 39,069
19 60 N/A 37,069 19,872 N/A 20,000 57,069 39,872
20 61 N/A 40,210 20,547 N/A 20,000 60,210 40,547
Notes
1. Total Death Benefit -
This amount comprises Sum Assured of the Basic Assurance, CS Plus, PRUlink term, CCP and the Cash Value of the Basic Unit Account
(BUA), Protection Unit Account (PUA) and Investment Unit Account (IUA) which will be payable upon your death. Please refer to BUA, PUA and
IUA in appendix for details.
Basic Assurance and CS Plus sum assured covers the life assured until age 100.
2. Total Critical Illness Benefit -
This is the amount that will be payable upon diagnosis of a critical illness.
This amount comprises Sum Assured of the CS Plus, Crisis Shield and CCP.
CS Plus and Crisis Shield sum assured covers the life assured until age 100.
3. Total Cash Value -
This amount comprises of the BUA, PUA, IUA cash value, PRUlink term and CCP surrender value, which will be payable upon surrendering of
your plan.
If the policy is terminated early, you may get less than the amount of premiums paid.
4. Premium paid (as shown above), which includes the payment of BUA, PUA, Supplementary Benefit premiums & IUA is the amount that you
(the policy owner) pay annually for this policy.
5. The benefit(s) is only applicable as long as the policy is in force.
6. Please refer to the next page for guaranteed & non-guaranteed components.
7. All premium and benefit amounts are stated in monetary value.

^ Provided no critical illness claim has been made

* The guaranteed benefit(s) is only applicable as long as the policy is in force.

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 4 of 13
 PRUlink assurance plan For
Main Life name: chan geok fong

Premium Allocation

a) Table A shows the amount of unitised premium that will be allocated to buy units in this investment linked plan. For example, the
first year premium allocation is 40% out of RM1,000 premium, RM400 (less charges) will be used to purchase units.

b) The allocated premium is used to purchase units. A proportion of premium that is not allocated into units (i.e. premium paid less
allocated premium) is used to pay the commissions to agency force/other intermediaries.

c) The insurance charge is the amount deducted monthly from the value of units for providing insurance coverage. The insurance
charge is based on attained age next birthday, gender, smoking status, occupational class and the sum assured. It may be varied
from time to time. Other charges are charges other than the insurance charges, which include policy fees and other regular
charges.

Table A

Annual Charges
Unitised Premium (RM)
Basic Death and Other Optional
Year Age PMM4
Optional Benefits Benefits Other Charges
Basic Protection Investment Insurance
Insurance Insurance (RM)#
Unit Account Unit Account Unit Account Charge (RM) Charge (RM)
Charge (RM)

1 42 124 902 N/A 25 485 201 60

2 43 156 1,099 N/A 25 500 213 60
3 44 187 1,295 N/A 26 500 229 60
4 45 218 1,492 N/A 29 500 246 60
5 46 280 1,886 N/A 32 502 267 60
6 47 280 1,886 N/A 36 522 286 60
7 48 311 2,083 N/A 41 545 306 60
8 49 311 2,083 N/A 46 547 328 60
9 50 311 2,083 N/A 52 579 351 60
10 51 311 2,083 N/A 59 616 374 60
11 52 311 2,083 N/A 66 683 388 60
12 53 311 2,083 N/A 75 720 404 60
13 54 311 2,083 N/A 84 721 424 60
14 55 311 2,083 N/A 95 739 440 60
15 56 311 2,083 N/A 106 768 467 60
16 57 311 2,083 N/A 119 769 492 60
17 58 311 2,083 N/A 133 774 511 60
18 59 311 2,083 N/A 150 797 539 60
19 60 311 2,083 N/A 167 861 571 60
20 61 311 2,064 N/A 185 932 592 60

Note:

1. All charges are subjected to change and may be varied from time to time by giving 3 months notice to policy owners.

2. Buying a regular premium investment-linked policy is a long-term commitment. It is not advisable to hold this policy for a short period of time
in view of the high initial costs.

3. In cases where the purchase involves a premium of sizeable amount, say RM5,000 and above, the prospect should consider purchasing
single premium investment-linked policy (rather than an annual premium policy) as single premium plans offer better allocation rates for
investment.

# Please refer to appendix for further details.

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 5 of 13
 PRUlink assurance plan For
Main Life name: chan geok fong

Notes

The rate of projection of benefits below assume current law, tax, charges and investment returns (per annum)

Projected Investment Projected Investment

Return (X%) Return (Y%)
PRUlink equity fund 9.0% 2.0%

The X% and Y% returns above have been used respectively to represent the range of possible returns of PRUlink funds. The illustrated
returns are net after deduction of fund tax and the annual fund management charge.

It is emphasised that the X% and Y% assumptions are only for the purposes of illustration and do not represent the upper and lower limit of
the actual rate that may occur.

Past actual performance is not a guide to future performance which may be different. The price of units may rise or fall. The performance of
the fund is NOT GUARANTEED.

The value of the fund may fall below the amount of premiums paid and depends on the performance of the underlying investments.

Below is the historical actual annual investment returns of the funds compared with the selected benchmark indices:

Actual Performance
2002 2003 2004 2005 2006
PRUlink equity fund 8.60% 28.16% 13.67% -0.11% 19.83%
PRUlink bond fund 6.00% 1.58% 8.54% 6.84% 6.43%
PRUlink managed fund II N/A N/A N/A N/A 12.66%*
Benchmark:
KL Composite Index -7.15% 22.84% 14.29% -0.84% 23.79%

Actual Performance
2002 2003 2004 2005 2006
PRUlink dana unggul 2.99% 33.50% 9.08% -4.47% 22.69%
PRUlink dana aman 6.96% 3.47% 8.37% 6.64% 5.81%
PRUlink dana urus II N/A N/A N/A N/A 13.17%*
Benchmark:
-7.36% 23.19% 8.91% -5.00% 21.83%
KL Shariah Index

The choice of funds should be based on, among others, your tolerance to risk. Please seek advice from your agent or insurance company
on your tolerance to risk.

Please refer to the policy document for more details on the product.

* Fund Performance is for the period 1 August 2006 to 31 December 2006.

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 6 of 13
 PRUlink assurance plan For
Main Life name: chan geok fong

PRUlink investments

PRUlink Funds

PRUlink equity fund aims to maximise returns over medium to long term by investing in high quality shares listed on the Bursa Malaysia.

The fund management charge is 1.5% p.a.

Unit Pricing

Unit pricing is done daily.

Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued.

A PRUlink fund does not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price.

Unit price is the single price at which units are created and cancelled.

Forward Pricing

Units are created and cancelled at the next pricing date following receipt of premium or notification of claim respectively.

Fund Manager

The PRUlink funds are internal funds managed by the investment team of Prudential Assurance Malaysia Berhad.

Presented by : christina ke100043

Date: 26 Apr, 2007
Version : SQS 1.1.0.7 a Page 7 of 13
PRUlink assurance plan For
Main Life name: chan geok fong

Brief Description Of The Plan Appendix

PRUlink assurance plan is a regular premium investment-linked whole life plan. Please refer to product's brochure for further details.

. A proportion of its premium is allocated to create units in the PRUlink funds.

Year 1 2 3 4 5-6 7 and above

Premium Allocation 40% 50% 60% 70% 90% 100%

For top-ups, the premium allocation is 95%.

Options
. The payment of premiums may be stopped but the benefits above continue as long as there are units in the plan to pay insurance charge and
service charge.
. Units can be switched between PRUlink funds at any time.
. Top-ups can be made at any time. The minimum amount required for top-ups is RM1,000.

Charges
. Service charge of RM5 is levied monthly.
. Insurance charge based on attained age n.b., sex, smoking status, occupational class and the sum assured is also levied monthly.
. Fund switch fee is set at 1% subject to a maximum of RM50. One free switch is allowed every year.
. Top-up incurs a one-off service charge of RM25.
. Fees and charges above may be varied from time to time.

Benefits
. At maturity, PAP pays the value of units in Basic Unit Account, Protection Unit Account and Investment Unit Account.
. On surrender, PAP pays the value of units in Basic Unit Account, Protection Unit Account and Investment Unit Account.

Basic Unit Account

. The Basic Unit Account is the balance unit value of all past allocated Linked Premium (consists of Basic Assurance and Optional Benefits if any) less
charges levied.

Basic Assurance pays

. the sum assured plus the value of units on death
. the sum assured on total & permanent disability before age 60. This is paid in lieu of the Basic Assurance sum assured.
Units remain in the plan.

Protection Unit Account

. The Protection Unit Account is the balance unit value of all past allocated Add-On Benefits premium less charges levied.

Presented by : christina ke100043

Date: 26 Apr, 2007 Page 8 of 13
Version : SQS 1.1.0.7 a
PRUlink assurance plan For
Main Life name: chan geok fong

Brief Description Of The Plan Appendix

Add-On Benefits

PRUmajor med 4 pays the benefits according to the plan selected below in the event of hospitalisation or out-patient treatment due to illness or
injury before age 70.

Plan PMM4 200

Hospital & Surgical Benefits

Hospital Daily Room & Board (120 days per year) RM200
Intensive Care Unit* (30 days per year) }
Surgical* }As charged
In-hospital & Related Services* }

Out-patient Treatment Benefits**

Pre-hospitalisation Treatment (within 30 days before hospitalisation) }
Post-hospitalisation Treatment (within 90 days after hospital discharge) }As charged
Home Nursing Care(180 days per life-time) }
Day Surgery }
Cancer Treatment }
Kidney Dialysis }
Emergency Treatment For Accidental Injury (Annual Limit) RM2,000

Overall Annual Limit RM75,000

Life-time Limit RM225,000

Emergency Medical Assistance Yes

Co-insurance
* For Hospital & Surgical Benefits (except Hospital Daily Room & Board Benefit), you pay 10% of total eligible expenses subject to a Minimum Co-
insurance Amount of RM300 and a Maximum Co-insurance Amount of RM1000. The Company pays the balance. The Company reserves the
right to revise the Minimum and Maximum Co-insurance Amount once in every 12 months, by giving 30-day notice. For the Minimum Co-
insurance Amount only, the amount to be increased during such revision shall not exceed RM100.

** For Out-patient Treatment Benefits, you pay 10% of total eligible benefits and the Company pays the balance.

Notes
1. Overall annual limit and life-time limit do not apply to Emergency Medical Assistance.

2. Emergency Medical Assistance is a service provided by a contracted third provider and can be terminated by giving 90 days notice.

PRUmed pays the benefits below in the event of hospitalisation due to illness or injury before age 70. One unit of PRUmed pays
. RM50 per day (up to 100 days in a year) for hospital confinement.
. RM100 per day (up to 30 days in a year) while confined to an intensive care unit, and
. a lump sum up to RM2,500 (up to RM12,500 in a year) for a surgical procedure, depending on its severity rating.

PRUdisability provider pays the sum assured on each anniversary of claim for as long as the disability continues until age 65, on total & permanent
disability before age 60.

PRUpayor basic pays an annual benefit equal to BUA and PUA policy premium under the policy on diagnosis of a critical illness.

PRUprotector (PPT) is a regular premium rider for investment purpose only. It does not have any insurance cover. It serves as an additional buffer
within the Protection Unit Account to keep the overall account value from falling into deficit, especially during early durations of a policy.

Notes:
The premiums and insurance charges of PRUlink products and optional benefits may be varied by the Company from time to time by giving 3 months
written notice.

PRUlink assurance plan is not a Syariah-compliant product.

Presented by : christina ke100043

Date: 26 Apr, 2007 Page 9 of 13
Version : SQS 1.1.0.7 a
PRUlink assurance plan For
Main Life name: chan geok fong

Conditions Appendix

Death

If it is a suicide within the first year, all premiums paid will be returned without interest.

Total and Permanent Disability

In the event of total and permanent disability before age 60, one lump sum payable under all policies with the Company on any one life is up to RM1
million plus bonuses (if any ). Any excess is paid in 9 equal annual instalments subject to proof of continued disability. Upon earlier death, the
balance of any unpaid instalments is paid immediately. The maximum payable under all policies on any one life is RM2 million plus bonuses (if any).

Total and permanent disability means the complete inability to engage in any occupation and to perform any work for remuneration or profit before
age 60. This also includes
(a) total and irrecoverable loss of sight of both eyes
(b) loss by severance of 2 limbs at or above wrist or ankle
(c) loss of sight of one eye and one limb

No benefit is paid if the disability is directly or indirectly caused by

(a) attempted suicide or self-inflicted injuries while sane or insane

(b) engaging in aerial flights including parachuting and sky-diving other than as a crew member of or as a fare-paying passenger on a licensed
passenger-carrying commercial aircraft operating on a regular scheduled route.

Diagnosis Of A Critical Illness Benefit

A total of 36 critical illnesses are covered under the Crisis Cover products

Heart attack, Coronary artery disease requiring surgery, Stroke, Cancer, Kidney failure, Paralysis, Major organ transplantation, Multiple sclerosis,
Fulminant viral hepatitis, Primary pulmonary arterial hypertension, Coma, Blindness, Heart valve replacement, Surgery to the aorta, Alzheimer's
disease, Deafness, Loss of speech, Major burns, Terminal illness, AIDS due to blood transfusion, Motor neurone disease, Parkinson's disease,
Chronic liver disease, Chronic lung disease, Aplastic anaemia, Muscular dystrophy, Poliomyelitis, Bacteria meningitis, Benign brain tumor,
Encephalitis, Full blown AIDS, Other serious coronary artery disease, Brain surgery, APALLIC syndrome, Major head trauma, Loss of limbs.

Critical illness benefit is not paid of

(a) symptoms of illness occur prior to or within 30 days after the policy has commenced, except for Cancer, surgery, Heart attack and Other
Coronary artery disease requring serious coronary artery disease in which 60 days waiting period applies.
(b) illness is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for "AIDS due to blood transfusion"
and "Full blown AIDS".

(c) the illness results directly or indirectly from congenital or inherited disorder and the age of entry is 6 months or less.

(d) the Life Assured is diagnosed to suffer from deafness and the age at entry is 2 years or less.

Presented by : christina ke100043

Date: 26 Apr, 2007 Page 10 of 13
Version : SQS 1.1.0.7 a
PRUlink assurance plan For
Main Life name: chan geok fong

Conditions Appendix

Hospitalisation

The medical benefits are provided by the medical riders

Benefits are paid according to the limits in each benefit category of the medical riders in the event of hospitalisation due to illness or injury before age 70.

Cover for hospitalisation due to accidents commences immediately on acceptance but it only begins 30 days after acceptance for any other causes.

Medical benefits of PRUmed and Hospital Benefit are not paid as a consequence of :
(a) routine medical examinations or consultations.

(b) cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformations or exploratory or experimental surgery
or any abortion performed due to procedures other than medical procedures necessitated by accidental injury, surgery or illness.

(c) treatment or procedures relating to pregnancy or childbirth.

(d) tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital illnesses, hereditary conditions, circumcision or any
abortion performed due to psychological or social reasons and consequence.

(e) treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol and drug
addiction and abuse.

(f) any treatment or test in connection with AIDS , the presence of HIV infection and all sexually transmitted diseases.

(g) any injury or sickness arising from professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang- hang-
gliding,ballooning, parachuting and sky-diving) other than as a crew member of or as a fare -paying passenger on a licensed passenger -
carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special
endorsement.

(h) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped
power, direct participation in riot, strike or civil commotion.

(i) any violation or attempted violation of the law or resistance to arrest.

(j) any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical
practitioner within the 2 years preceding the issue date and which was not disclosed in the application for the contract.

The Company must be informed of any change of occupation, business or pursuit because it may affect the premiums, terms, conditions and benefits
of the products.

The Company reserves the right to increase the premium or to cancel the riders at any time by giving 90 days written notice.

Presented by : christina ke100043

Date: 26 Apr, 2007 Page 11 of 13
Version : SQS 1.1.0.7 a
PRUlink assurance plan For
Main Life name: chan geok fong

Conditions

Hospitalisation

Medical benefits of PRUmajor med 4 are not paid as a consequence of :

(a) Any injury or illness caused by self-inflicted injury, while sane or insane.

(b) Any injury or illness caused by war, invasion, act of foreign enemy, hostilities, (whether war be declared or not) civil war, rebellion, revolution,
insurrection, military or usurped power, direct participation in riot, strike or civil commotion.
(c) Any condition resulting from pregnancy, childbirth, miscarriage or abortion.

(d) Any form of dental care or surgery unless necessitated by accidental injury or illness involving oral surgery.

(e) Any cosmetic or plastic surgery (unless necessitated by injury or illness), any elective surgery, including donation of any body organ or sex
change.

(f) Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or routine medical examinations; treatments
specifically for weight reduction or gain, convalescence, custodial or rest care.

(g) Any treatment or test in connection with AIDS or the presence of any Human Immuno-deficiency Virus infection or sexually transmitted diseases.

(h) Telecommunication charges, rental of television, mini-bar consumption or other medically unrelated services.

(i) Mental illness, psychiatric disorders, alcohol or substance abuse/addiction.

(j) Infertility, contraception, sterilisation, birth defects, congenital anomalies or circumcision.

(k) Any injury or illness arising from professional sports, racing of any kind, scuba diving, aerial sports activities such as hang-gliding, ballooning, and
any other hazardous activities or sports unless agreed to by special endorsement.

(l) Any injury caused by violation or attempted violation of the law, or resistance to arrest.

(m) Specified illnesses for the first 120 days of cover.

( i ) Stones in the urinary and biliary systems
(ii ) Hypertension or cardiovascular diseases(except heart attack)
(iii) Diabetes mellitus
(iv ) All tumours, cysts, polyps or cancer
( v ) Surgery of the sinus, nasal septum or tonsils
(vi ) Hernias, haemorrhoids or fistulae
(vii) Endometriosis or dysfunctional uterine bleeding

(n) A pre-existing condition which shall mean the existence of any signs or symptoms for which treatment, medication, consultation or advice or
diagnosis has been sought or received during the two years prior to the commencement of the policy.

The Company must be informed of any change of occupation, business or pursuit because it may affect the premiums, terms, conditions and benefits
of the products.

The policy of PRUmajor med 4 (except for Emergency Medical Assistance) is non-cancellable but the Company reserves the right to revise the
premiums at any time by giving 3 months written notice.

Presented by : christina ke100043

Date: 26 Apr, 2007 Page 12 of 13
Version : SQS 1.1.0.7 a
PRUlink assurance plan For
Main Life name: chan geok fong

Conditions

Emergency Medical Assistance is not provided as a consequence of

(a) A pre-existing condition where any medical condition in respect of which the life assured has been hospitalised during the 12-month period prior to
the inception date or any medical condition that has been diagnosed or treated by a medical practitioner including prescribed drugs within the 6-
month period prior to the inception date.

(b) Emergency Medical Evacuation or Repatriation or cost not approved in advance and in writing by International SOS (SOS) and/or not arranged
by SOS. This exclusion shall not apply to Emergency Medical Evacuation from remote or primitive areas which SOS cannot be contacted in
advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the life assured's long term health prospect.

(c) Any event occurring when the life assured is within the territory of Malaysia (International Assistance) or within 100km from his place of residence
in Malaysia (Domestic Assistance).

(d) Any expense if the life assured is travelling outside Malaysia (International Assistance) or more than 100km from his place of residence in
Malaysia(Domestic Assistance) contrary to the advice of a medical practitioner or for the purpose of obtaining medical treatment or for rest and
recuperation following any prior accident or illness.

(e) Any expense if the life assured is not suffering from a serious medical condition or if the treatment can be reasonably delayed until he returns to
Malaysia (International Assistance) or the place of residence (Domestic Assistance).

(f) Any treatment or expense related to pregnancy, childbirth (except abnormal pregnancy or vital complication of pregnancy which endangers the
life of the mother and/or unborn children) and in any event of childbirth, miscarriage (spontaneous abortion) or pregnancy after the 6th month

(g) Any expense incurred for emotional, mental illness and psychiatric disorder as opposed to physical and strictly medical reason.

(h) Self-inflicted injury, suicide, alcohol abuse, drug addiction or abuse, sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS)
or any AIDS related conditions or diseases.

(i) Any treatment performed or ordered by a non-registered practitioner not in accordance with the standard medical practice as defined in the
country of treatment.

(j) Any event resulting from participation in war, riot or civil commotion or any illegal act including resulting in imprisonment or while serving in a
police or military unit.

(k) Any expense in respect of the life assured who is more than 70 years old at the date of the intervention unless otherwise agreed to in writing
by SOS.

(l) The cost of burial in the life assured's country of citizenship or Malaysia.

(m) Any expense related to accident or injury occurring while the life assured is engaged in mountaineering or rock climbing necessitating the use of
guides or ropes, pot holing, sky-diving, parachuting, ballooning, hang-gliding, deep sea diving utilising hard helmet with airhose attachments,
racing of any kind other than on foot, and all professional sports unless otherwise agreed to in writing by SOS.

(n) The cost of transporting the life assured by means of his owned or leased watercraft unless agreed to otherwise in writing by SOS.

Presented by : christina ke100043

Date: 26 Apr, 2007 Page 13 of 13
Version : SQS 1.1.0.7 a