CHINA TAIPING LIFE INSURANCE(HONG KONG)COMPANY LIMITEDIn this brochure, TPLHK is the same as China Taiping Life Insurance (Hong Kong) Company Limited.

TAIPING 5-YEAR PREMIER SAVING RIDERcombines the dual benefits of life protection and saving.

By paying the premium for just 2 years, you can enjoy the result of your fruitful savings and enjoy 5 years of life protection.

TAIPING 5-YEAR PREMIER SAVING RIDER

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COMPANY PROFILEChina Taiping Insurance Group Ltd. (“China Taiping”) is a Chinese stated-owned financial and insurance group whose management headquarters is located in Hong Kong. China Taiping Life Insurance (Hong Kong) Company Limited (abbreviated as “TPLHK”) is a wholly-owned life insurance subsidiary of China Taiping Insurance Holdings Company Limited under the China Taiping, which is responsible for life insurance business in Hong Kong.

The founding of TPLHK is to enhance China Taiping’s “One-Stop Comprehensive Insurance Services Platform” to achieve “One Customer, One Taiping” integrated servicing strategic target, also it is pursuit of excellence to become “the most characteristic and successful life insurance company” outside mainland China. TPLHK establishes a strong foothold in Hong Kong and servicing Hong Kong with the management philosophy “Build with integrity; Prosper with profitability; Manage with profession; Strengthen with unities” to provide high-quality professional service to our customers through the China Taiping’s excellent resources.

Need more details? Get in touch with usPlease contact your consultant or call our Customer Service Hotline at (852) 800 961 589

Or visit our website at http://tplhk.cntaiping.com for more details

China Taiping Life Insurance (Hong Kong) Company Limited is wholly owned by China Taiping Insurance Holdings Company Limited.China Taiping Insurance Holdings Company Limited is listed in Hong Kong Exchange (Stock Code: 00966).

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TAIPING 5-YEAR PREMIER SAVING RIDERTAIPING 5-YEAR PREMIER SAVING RIDER (The Supplementary Contract) combines the dual benefits of life protection and saving. By paying the premium for just 2 years, you can enjoy the result of your fruitful savings and enjoy 5 years of life protection.

Contribution Period of 2 Years to Enjoy 5-year Life ProtectionYou can enjoy 5-year comprehensive life protection during the term of the Supplementary Contract by paying premiums for just 2 years.

Attractive Guaranteed Returns to Accumulate WealthThe Supplementary Contract provides maturity benefit with an attractive guaranteed rate of return, enabling you to fulfill different dreams upon maturity at the end of the fifth policy year.

Flexible Choices to Fit Your NeedsBased on your financial status and needs, you may select from 2 different premium payment methods, including "Annual" or "Annual and Prepaid 2nd Year Premium". Prepayment of 2nd Year Premium will enjoy a guaranteed first year interest rate of 4.5%, enabling you to achieve your goals more easily.

Assured Peace of MindThe Supplementary Contract offers comprehensive l i fe protect ion to help you and your family to cope with unexpected expenses. In the unfortunate event that the Insured passes away, the Beneficiary wil l receive a Death Benefit consisting of 105% of the Total Premium Paid or Account Value, whichever is higher.

Simple and Easy ApplicationSubject to our prevailing rules and regulations, only simplified underwriting is performed for a new application with the Accumulated Amount Applied (including Sum Assured, Face Amount, Benefit and Maturity Benefit) for Premier Saving Series / Wealth Growth Series / EliteJoy Series for less than or equal to US$5,000,000, and no medical examination is required.

Enrolment TermsIssue Age# From 15 days after birth to 70 or 75 years oldPolicy Currency USDPremium Payment 2 YearsPeriod Premium Payment "Annual" or "Annual Method and Prepaid 2nd Year Premium"Benefit Term 5 YearsMinimum Maturity US$ 50,000BenefitMaximum Total 5 times of basic Premium plan total premium Guaranteed May change Annual Return according to the choice of Premium Payment Method and Maturity Benefit

# Depending on the Payment Term of the Basic Plan.

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^It is a hypothetical figure in the ideal condition, and not guaranteed. It will be US$92,547 in the worst case.* It is a hypothetical figure in the ideal condition, and not guaranteed. It will be US$121,717 in the worst case. # The “total cash value” illustrated in this case is hypothetical and not guaranteed. “Total Cash Value” means the sum of guaranteed

cash value plus non-guaranteed cash values of Reversionary Bonus (if any) and Special Bonus (if any). The figures in this case are calculated based on current surrender values and bonus scales. The actual Reversionary Bonus and Special Bonus payable throughout the duration of the Policy can be more or less than the listed value as illustrated. This case also assumes that no cash withdrawal or policy loans are taken throughout the term of the Policy and that all premiums are paid in full when due. The Insured must surrender the Policy at the relevant Policy Anniversary in order to get this amount of money. The Policy will be terminated when all total cash value had been withdrawn.

A t a g e 4 0 , M r. H o p u r c h a s e s Ta i p i n g W e a l t h G r o w t h Protection Plan with annua l p remium o f US$16,314.19. The premium period is 5 years.

The projected total cash# of his Policy is US$215,588^ w h e n h e i s a g e 6 0 . Approximately equivalent to 2.6 times of total premiums paid. At this stage, he may choose to surrender the Policy and withdraw the total cash value for earlier retirement.

The projected total cash value of the Policy continues t o g r o w a m o u n t i n g t o US$546 ,739* i f Mr. Ho chooses to surrender the Pol icy and withdraw the total cash value at age 75. Approximately equivalent to 6.7 times of total premiums paid.

Age 40 Age 60 Age 75

The following example and all figures below are hypothetical and for illustrative purposes only. All figures are subject to change at TPLHK’s sole discretion without prior notice.

Case: Pre-RetireeCustomer Profile : Mr. Ho / Aged 40 / Financial ManagerFinancial Status : Besides monthly salary, self-occupied property and emergency cash, Mr.

Ho also has a time deposit of HK$5 million for his retirement and has no planning to make any withdrawals before that.

Financial Goals : Plan to pre-retire at 45, accumulate a retirement fund of HK$3 million and travel around the world with his wife.

To accumulate an extra retirement fund of HK$1.68 million at age 60.

After going through the Affordability and Suitability Assessment under Financial Needs Analysis, the selected Plan is: Plan Name: Basic Plan TAIPING WEALTH GROWTH SAVINGS PROTECTION PLAN and TAIPING 5-YEAR PREMIER SAVING RIDER

(1) Basic Plan TAIPING WEALTH GROWTH SAVINGS PROTECTION PLAN Premium Payment Period and Method: 5 Years, Annual Premium Total Cash Value: US$175,045 Annual Premium: US$16,314.19

Benefits of Basic Plan to Mr. Ho

1. At age 60, Mr. Ho will receive an extra retirement fund US$215,588^ (around HK$1.68 million) if he chooses to surrender the Policy and withdraw the total cash value.

2. If he chooses to surrender the Policy and withdraw the total cash value at age 75, the projected total cash value of Policy continues to grow amounting to US$546,739* (around HK$4.26 million).

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Prepayment interest earnedat the end of first policy year US$7,556.76#

When Mr. Ho pre-retires at 45(The Supplementary Contract Maturity)

(2) TAIPING 5-YEAR PREMIER SAVING RIDER Premium Payment Period and Method: 2 Years, Annual and Prepaid 2nd Year Premium Maturity Benefit: US$400,000 Annual Premium: US$167,928 Benefits of rider to Mr. Ho1. At the age of 45 (The Supplementary Contract Maturity), Mr. Ho will receive a guaranteed

maturity benefit of US$400,000 (around HK$3 million as his retirement fund), that means he would have enough funds to fulfill his dream (travel around the world with his wife upon early retirement).

2. Mr. Ho can also choose “Annual and Prepaid 2nd Year Premium” as premium payment method and earn a Prepayment interest of US$7,556.76# (around HK$58,900) as extra benefit.

Annual and Prepaid 2nd Year PremiumTotal Premium US$335,856

41 42 43 44 45

Mr. Ho’s Age

US$400,000(Guaranteed Annual Return 4.01%*)

# The calculation includes the prepayment interest earned at the end of the first policy year and assumes such interest to be withdrawn at the end of the first policy year. Such interest rate is 4.5%

* The above return rate is for reference only and are rounded to the nearest two decimal places. Guaranteed Annual Return may change according to the choice of Premium Payment Method and Maturity Benefit

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Important InformationThis brochure is for reference only. Please refer to the policy contract for the definitions of capitalized terms, and the exact and complete terms and conditions of cover. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

Key Product Risks

Taiping 5-year Premier Saving Rider is issued and underwritten by China Taiping Life Insurance (Hong Kong) Company Limited (“TPLHK”). Please note the following Key Product Risks.

1. Exchange Rate Risk

The application of this insurance product with the Policy Currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the Policy Currency, please note that any exchange rate fluctuation between your home currency and the Policy Currency of this insurance product will have a direct impact on the amount of premium required and the value of the benefit(s) to be received. For instance, if the Policy Currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on your benefits to be received from the product and your burden of the premium payment. You may browse our official website (http://tplhk.cntaiping.com/) to find out the latest prevailing exchange rate for reference.

2. Early Surrender Risk

This Supplementary Contract Plan is designed to be held until the Maturity Date. If you terminate the Supplementary Contract prior to the Maturity Date, a loss of the premium paid may be resulted.

While the Supplementary Contract is in force, you may terminate this Supplementary Contract by sending a written termination request. If the Supplementary Contract is terminated or surrendered before the Maturity Date of the Supplementary Contract, the Surrender Value received by you may be less than the Total Premiums Paid. For details of early surrender value, please refer to the section of “Standard Illustration of Benefits and Returns” of the proposal.

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3. Termination Conditions

The Supplementary Contract will terminate automatically on the occurrence of the earliest of the following:

a) the death of the Insured; or

b) the Supplementary Contract is surrendered in accordance with its terms; or

c) the amount of the outstanding Policy Loan (together with accrued interest) of the Supplementary Contract exceeds the Account Value; or

d) non-payment of premium of the Supplementary Contract at the end of the grace period; or

e) upon written request for cancellation within the cooling-off period of the Supplementary Contract; or

f) on termination of the Basic Plan.

Termination of your Supplementary Contract will not affect any claim or benefit arising prior to such termination unless otherwise stated.

4. Credit Risk of Issuer

The Supplementary Contract is issued and underwritten by TPLHK. Your Policy is subject to the credit risk of TPLHK. In the worst case, you may lose all the premium paid and benefit amount.

5. Inflation Risk

If the annual inflation rate over the next five years is higher than the annual guaranteed return, the purchasing power of the maturity benefit will be offset by inflation.

6. Key Exclusion

No Death Benefit shall be paid if the Insured commits suicide, whether sane or insane, within one (1) year after whichever is the later of (i) the Issue Date or (ii) the Effective Date as indicated in the relevant Endorsement or Supplementary Contract, the Company’s liability under this Supplementary Contract will be limited to a refund of the Supplementary Contract Premiums paid, without interest and after deducting any indebtedness to the Company under this Supplementary Contract.

7. Further Assessment

If the Accumulated Amount Applied (including Sum Assured / Face Amount / Benefit / Maturity Benefit) for Premier Saving Series / Wealth Growth Series / EliteJoy Series exceeds USD 5,000,000 and proposed insured is of the age of 65 or above, full health declaration is required for full underwriting. If the Accumulated Amount Applied exceeded USD 10,000,000, full health declaration is required for full underwriting, for the purpose of individual consideration. Full underwriting may result in extra premium loading. In such event, the total premium payable will not be equal to the total premium stated in this illustration. As such, the Guaranteed Annual Return will be reduced accordingly and different from this illustration.

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Remarks of Taiping 5-year Premier Saving Rider

1. The Supplementary Contract can be attached to “Taiping Wealth Growth Saving Protection Plan” (Payment Term: 5 Years or 10 Years).

2. The Maturity Benefit in this product brochure does not represent the amount of Death Benefit payable in case of the death of the life assured. It serves only as an amount for the calculation of premium and relevant values of the Supplementary Contract.

3. Interest will be charged on Policy Loans from the dates when the loans are incurred until they are fully repaid. Interest is calculated at an interest rate as solely determined by TPLHK from time to time, you may browse our official website at http://tplhk.cntaiping.com/ to consult the prevailing loan interest rate for reference. If the total outstanding amount (including interest) owing to us under the Supplementary Contract exceeds the account value, TPLHK will terminate the Supplementary Contract immediately.

4. The issue age is based on age of last birthday.

Cancellation Right

A customer who has purchased the life insurance plans has a right to cancel the policy within the cooling-off period and obtain a refund of any premium(s) paid less any withdrawals. Provided that no claim has been made, the customer may cancel the policy by giving written notice to TPLHK within 21 days after: (1) the delivery of the policy or (2) notification (informing the availability of the policy and expiry date of the cooling-off period) to the customer/his/her representative, whichever is earlier. The premium will be refunded in the currency of premium payment at the time of application for this policy. If the currency of premium payment is not the same as the plan currency, the refundable premium amount in plan currency under this policy will be converted to the currency of premium payment at the prevailing currency exchange rate as determined by TPLHK in our absolute discretion from time to time upon payment. After the cooling-off period expires, if a customer cancels the policy before the end of benefit term, the actual cash value may be substantially less than the total amount of premiums paid.