Dividend Philosophy and Investment Strategy

Dividend and Crediting Interest Philosophy

If it is a participating and/or providing interest on accumulation insurance plan, premiums received from the policies will be invested to a variety of assets according to the Company's investment strategy. The surplus from the invested assets will be shared with policyholder through declared dividends and/or interest rate on accumulation in accordance with the relevant clause in the benefit provision. The Company will ensure a fair sharing of profits among different groups of policyholders and also between policyholders and the Company. The Company will review and determine the dividend and/or interest rate on accumulation at least once a year, the current projection on dividend and/or interest rate on accumulation are not guaranteed and subject to change with the entire performance of the relevant policies and the factor including but not limited to the past experience and future prospect of investment returns, claims and persistency.

The Company has established a Participating Insurance Business Management Committee to conduct regular evaluations on dividend policies and to independently review and determine the profit sharing plan of the current year as recommended by the Appointed Actuary, and has been authorized by the Board (comprising one or more Independent Non-Executive Directors).

Investment Philosophy, Policy and Strategy

The Company aims to strive for minimizing volatility of the investment return and provides stable return as our investment philosophy. Assets are mainly invested in bonds and other fixed income instruments, such as government and corporate bonds and other fixed income instruments to support the guaranteed financial obligation. To enhance the performance of the investment portfolio, the Company invests in equity-type investments and other investment instruments such as mutual funds and direct/indirect investment in properties or commercial institutions.

The investment portfolio will be diversified across different geographic regions and/or industries. Investment strategy will be subject to change depending on the market conditions and the economic outlook. The Company will inform Policyholder the relevant changes in dividend and/or interest rate on accumulation and the impact to the policies when there is change in the investment strategy.

Fulfillment Ratios for Dividends and Interests

Reporting year: 2019

The following table shows the fulfillment ratios of non-guaranteed annual dividends, terminal dividends and accumulation interests for each of the product series which has new policies issued starting from 2011.

Fulfillment ratio calculation for annual dividends

The fulfillment ratio for annual dividends is calculated as the ratio of aggregate actual accumulated non-guaranteed annual dividends, including actual dividend and coupon accumulation interests, against the illustrated amounts at the point of sale for all relevant in force policies in the reporting year.

Fulfillment ratio calculation for terminal dividends

The fulfillment ratio for terminal dividends is calculated as the ratio of aggregate payout of terminal dividends against the illustrated amounts at the point of sale for all relevant terminated policies in the reporting year. Cash value of terminal bonuses is factored in the calculation.

Fulfillment ratio calculation for accumulation interests

The fulfillment ratio for accumulated interests is calculated as the ratio of actual interests accumulated on cash coupons against the illustrated amounts at the point of sale for all relevant in force policies in the reporting year.

The information are intended for reference only and should not be taken as an indicator of future dividends and interests declaration of the products. The fulfillment ratio is the average ratios calculated for all relevant policies under the respective product series, which may not reflect the circumstances of any individual policy.

1) Participating Plans - with Annual Dividend

Please select the product series:

Properous Future Education Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Golden Age Retirement Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Properous 18 Education Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

6-Year Pay 12-Year Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

BoBo Education Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Endowment 65 (Annuity Version)

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

3-Year Pay 12-Year Saving Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Long Life and Harvest Year Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

5-Year Bonus Savings Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

5-Year Treasure Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

NCB 5-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Enjoyable Life Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Yearly Harvest Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wonderful Life Education Savings Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Smart-6 Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Enhanced 5-Year Endowment

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Instant Benefit Annuity Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

10-Year RMB Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

NCB Wonderful 65 Insurance Plan Series

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

BOCOM 10-Year RMB Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

NCB RMB Series 10-Year Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Win-Win 10-Year RMB Savings Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

BOCOM 6 Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Smart 5 Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

NCB 6-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Intelligent Savings Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Intelligent Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Golden Saver (RMB) Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wise Choice 6-Year Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Ever Rising RMB 6-Year Insurance Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Prevails 6 Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

ICBC(Asia) 6-Year RMB Endowment Plan

Product type - Participating endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Intelligent Insurance Plan(2014)

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Retirement Deferred Annuity 65

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Abundant Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wishes 6 Years Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Golden 6-Year Treasure Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wealth Master Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Smart Fortune 8-year Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

8-Year Saver Endowment Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Golden Single Premium 5-Year Endowment

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Super 6 Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

6-Year Wealth Saver Insurance Plan

Product type - Participating endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Abundant Life Guaranteed Annuity Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Synergy Insurance Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

18-Year Pay Whole Life Insurance

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Time Lady Protection Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Prosperous Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Brighter Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Peaceful Age Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Rainbow Age / Supreme Wealth Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Perfect Wealth Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Relaxful Age Insurance Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Safeguard Tomorrow Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Healthguard Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Brilliant Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Noble Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Successful Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Lifelong Attention Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Plentiful Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Guardian Critical Illness Whole Life Insurance

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Bliss Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wishes Whole Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Start Whole Life Guaranteed Annuity Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wealth Protector Annuity Insurance Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Enhanced 18-Year Pay Whole Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Rainbow Age (5 Year) Whole Life Plan (Preferred)

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Superior Wealth Whole Life Plan (SE)

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Superior Wealth Plus Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Harvest Honor Whole Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wealth Grower Guaranteed Annuity Plan

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Savvy Life Lady Protection Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Noble Champion Life Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Hey Whole Life Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Yearly Reward Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

MyTreasure Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Noble Life Insurance Plan 2

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

2PWL

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Excel-harvest 108 Annuity Plan - 5 Pay

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Excel-harvest 108 Annuity Plan - to 60

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Graceful Life Deferred Annuity Plan - 5 Pay

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Graceful Life Deferred Annuity Plan - 10 Pay

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

2) Participating Plans - with Terminal Dividend

Please select the product series:

Critical Illness Guardian Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

MyTreasure Insurance Plan

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Noble Life Insurance Plan 2

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Critical Illness Multiple Protector

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Excel-harvest 108 Annuity Plan - 5 Pay

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Excel-harvest 108 Annuity Plan - to 60

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Graceful Life Deferred Annuity Plan - 5 Pay

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Graceful Life Deferred Annuity Plan - 10 Pay

Product type - Participating annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Noble Life Insurance Plan 3

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Ultimate Fortune Wealth Planner

Product type - Participating whole life

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

3) Plans with Accumulated Interest

Please select the product series:

Start Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Speedy Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

6-Year Treasure Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Brilliant Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

BOCOM Rich Harvest Immediate Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Wise Choice 5-Year Insurance Plan (RMB Enhanced)

Product type - Endowment

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Start 3 Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Guaranteed Annuity Plan (15)

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Splendid/Splendid 16 Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Enjoyable Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Relaxing Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Start 3 Guaranteed Annuity Plan (RMB)

Product type - Annuity

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

BOCOM Success Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

BOCOM 3080 Guaranteed Annuity Plan (RMB)

Product type - Annuity

Applied to RMB plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Smart Treasure 10-Year Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

3-year payment term endowment plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Superior 5 Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Achieve 5 Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Elite Achiever Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Start Whole Life Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Affluent Life Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Life Guaranteed Annuity Plan

Product type - Annuity

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

100%

Promising 5 Insurance Plan

Product type - Endowment

Applied to all currencies plan

Policy year 1

(2018)

Policy year 2

(2017)

Policy year 3

(2016)

Policy year 4

(2015)

Policy year 5

(2014)

Policy year 6

(2013)

Policy year 7

(2012)

Policy year 8

(2011)

Note for fulfillment ratios:

If one product has both annual dividend and cash coupon, the fulfillment ratio of annual dividend reflect the annual dividend and accumulation interest on both annual dividend and cash coupon. If one product only has cash coupon, please refer to fulfillment ratio of accumulation interest.
If one product has both annual dividend and terminal dividend, the fulfillment ratio of annual dividend and terminal dividend are calculated and illustrated separately.
If one product has both cash coupon and terminal dividend, the fulfillment ratio of cash coupon accumulation interest and terminal dividend are calculated and illustrated separately.
If one product has annual dividend, cash coupon and terminal dividend, the fulfillment ratio of annual dividend reflect the annual dividend and accumulation interest on both annual dividend and cash coupon, the fulfillment ratio of terminal dividend is calculated and illustrated separately.
Fulfillment ratios may not be applicable due to one or more of the following reason(s):
i. There is no relevant policy with the respective policy year as of current reporting year.
ii. The amount of accumulated non-guaranteed annual dividends, terminal dividends and accumulation interests at the point of sale up to the respective policy year as of current reporting year is zero for the relevant policies.
iii. For terminal dividend, there are relevant inforce policies but no relevant policies has been terminated in the reporting year.

Historical Crediting Interest Rate for Universal Life Plans

Crediting Interest Rate Philosophy

If it is an universal life insurance plan, Policyholder will share the surplus from the invested assets of the Company's investment from the declared interest. The Company will ensure a fair sharing of profits among different groups of policyholders and also between policyholders and the Company. The Company will review and determine and declared crediting interest rate at least once a year, the current projection on crediting interest rate are not guaranteed and subject to change with the entire performance of the universal life insurance policies and the factor including but not limited to the past experience and future prospect of investment returns, claims and persistency.

Investment Philosophy, Policy and Strategy

The investment portfolio will be diversified across different geographic regions and/or industries. Investment strategy will be subject to change depending on the market conditions and the economic outlook. The Company will declare Crediting Interest Rate and reflect the performance o the actual Crediting Interest Rate in the annual statement.

Reporting year: 2019

The following table shows the historical General Crediting Interest Rates for each of the universal life insurance product series which has new policies issued starting from 2011.

The information are intended for reference only and should not be taken as an indicator of future General Crediting Interest Rates of our universal life insurance products.

Prime Universal Life Insurance Plan

2019	2018	2017	2016	2015	2014	2013	2012	2011
4.10%	4.10%	4.10%	NA	NA	NA	NA	NA	NA

Royal Privilege Universal Life Insurance Plan

2019	2018	2017	2016	2015	2014	2013	2012	2011
4.80%	4.80%	4.80%	NA	NA	NA	NA	NA	NA

Royal Privilege Universal Life Insurance Plan 2

2019	2018	2017	2016	2015	2014	2013	2012	2011
4.30%	4.30%	NA	NA	NA	NA	NA	NA	NA

Flexi Saver Plan (Enhanced)

2019	2018	2017	2016	2015	2014	2013	2012	2011
2.68%	NA	NA	NA	NA	NA	NA	NA	NA

Flexi Saver Plan

2019	2018	2017	2016	2015	2014	2013	2012	2011
2.08%	NA	NA	NA	NA	NA	NA	NA	NA

Notes:

1) Some of the above results are shown as "NA" because in the respective year the products were not yet launched.

2) The historical crediting interest rates are based on weighted average crediting interest rate of these policies in each calendar year.

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Dividend Philosophy and Investment Strategy

Dividend and Crediting Interest Philosophy

Investment Philosophy, Policy and Strategy

Fulfillment Ratios for Dividends and Interests

Reporting year: 2019

1) Participating Plans - with Annual Dividend

Properous Future Education Saving Plan

Golden Age Retirement Plan

Properous 18 Education Saving Plan

6-Year Pay 12-Year Saving Plan

BoBo Education Endowment Plan

Endowment 65 (Annuity Version)

3-Year Pay 12-Year Saving Plan

Long Life and Harvest Year Plan

5-Year Bonus Savings Insurance Plan

5-Year Treasure Plan

NCB 5-Year Insurance Plan

Enjoyable Life Insurance Plan

Yearly Harvest Insurance Plan

Wonderful Life Education Savings Plan

Smart-6 Endowment Plan

Enhanced 5-Year Endowment

Instant Benefit Annuity Insurance Plan

10-Year RMB Savings Insurance Plan

NCB Wonderful 65 Insurance Plan Series

BOCOM 10-Year RMB Savings Insurance Plan

NCB RMB Series 10-Year Savings Insurance Plan

Win-Win 10-Year RMB Savings Insurance Plan

BOCOM 6 Year Insurance Plan

Smart 5 Insurance Plan

NCB 6-Year Insurance Plan

Intelligent Savings Insurance Plan

Intelligent Insurance Plan

Golden Saver (RMB) Insurance Plan

Wise Choice 6-Year Insurance Plan

Ever Rising RMB 6-Year Insurance Plan

Prevails 6 Insurance Plan

ICBC(Asia) 6-Year RMB Endowment Plan

Intelligent Insurance Plan(2014)

Retirement Deferred Annuity 65

Abundant Endowment Plan

Wishes 6 Years Endowment Plan

Golden 6-Year Treasure Insurance Plan

Wealth Master Insurance Plan

Smart Fortune 8-year Endowment Plan

8-Year Saver Endowment Plan

Golden Single Premium 5-Year Endowment

Super 6 Insurance Plan

6-Year Wealth Saver Insurance Plan

Abundant Life Guaranteed Annuity Plan

Synergy Insurance Plan

18-Year Pay Whole Life Insurance

Time Lady Protection Plan

Prosperous Life Insurance Plan

Brighter Life Insurance Plan

Peaceful Age Whole Life Plan

Rainbow Age / Supreme Wealth Whole Life Plan

Perfect Wealth Whole Life Plan

Relaxful Age Insurance Plan

Safeguard Tomorrow Insurance Plan

Healthguard Insurance Plan

Brilliant Life Insurance Plan

Noble Life Insurance Plan

Successful Life Insurance Plan

Lifelong Attention Insurance Plan

Plentiful Life Insurance Plan

Guardian Critical Illness Whole Life Insurance

Bliss Life Insurance Plan

Wishes Whole Life Insurance Plan

Start Whole Life Guaranteed Annuity Plan

Wealth Protector Annuity Insurance Plan

Enhanced 18-Year Pay Whole Life Insurance Plan

Rainbow Age (5 Year) Whole Life Plan (Preferred)

Superior Wealth Whole Life Plan (SE)

Superior Wealth Plus Whole Life Plan

Harvest Honor Whole Life Insurance Plan