3. What is INSPIRE? A S$ denominated recurring single – premium (RSP) Investment Linked Plan. It consist of 5 sub funds: 1.GUARDIAN 2.HARVESTER 3.PLANNER 4.SEEKER 5.ENTREPRENEUR

4. Sub FundAsset Allocation GUARDIAN100% Global Fixed Income HARVESTER70% Global Fixed Income and 30% Global Equity PLANNER50% Global Fixed Income and 50% Global Equity SEEKER30% Global Fixed Income and 70% Global Equity ENTREPRENEUR100% Global Equity

5. Sub FundInvestment Objectives GUARDIAN To achieve an attractive level of total return from a globally diversified portfolio that invests in investment grade bonds and high quality mortgage related and asset backed securities HARVESTER To achieve long term growth of capital by investing primarily in a diversified portfolio of global fixed income securities, with limited exposure to a diversified portfolio of global equitites. PLANNER To achieve long term growth of capital by investing in a balanced globally diversified portfolio of fixed income securities and equities. SEEKER To achieve long term growth of capital by investing primarily in a diversified portfolio of global equities,with limited exposure to a diversified portfolio of global fixed income securities. ENTREPRENEUR To achieve long term growth of capital by investing in a diversified portfolio of global equities.

6. Asset ClassSub - FundGuardianHarvesterPlannerSeekerEntrepr Fixed Income US Short term Fixed Income Short Maturity Dollar 60%20%10%0% Global Bonds Global Developed Markets Fixed Income 40%50%40%30%0% Total Fixed Income 100%70%50%30%0% Equities Focus Industries Global growth Trends 0%10%20% 30% USAmerican Growth 0%5%10% 15% American Value0%5%10% 15% EuropeEuropean Growth 0%5% 10%15% European Value0%5% 10%15% Global – Emerging Markets Developing Region Markets 0% 10% Total Equity0%30%50%70%100%

12. Alliance Capital Management One of the most experienced and largest publicly traded investment managers in the world. Manages assets of over US$450 billion Selected by 45 of the Fortune 100 companies and hundreds of central banks and global institutions to manage employee benefit plans 600 investment professionals in over 35 subsidiaries and affiliate investment offices worldwide Manages many highly acclaimed and award winning funds

13. AXA A world leader in wealth management and financial protection 17 th largest corporation in the world US$802 billion in managed assets US$35.9 billion in market capitalisation 140,000 employees and advisors worldwide 50 million customers 60 countries worldwide operations

14. Why INSPIRE? INSPIRE is personal –Tailored to your personality,life stage,lifestyle goals,investment time horizon and risk appetite INSPIRE gives more consistent returns –Combines both value and growth investment styles to achieve consistent returns with reduced risks.

15. Why INSPIRE? INSPIRE lowers your average investment cost –Through “Dollar Cost Averaging” principle INSPIRE diversifies investment risk –Offers diversified investment portfolio to cushion the effect of poor performance in any individual investment markets at any given time

16. Why INSPIRE? INSPIRE is flexible –You can switch between portfolios,make top ups, full or partial withdrawals INSPIRE is more than an investment tool –Life insurance coverage at no extra cost.

17. INSPIRE at a glance Minimum initial investment –S$2500 with recurring premium or –S$5000 without recurring premium Recurring Investment –You can choose to stop paying your recurring premium anytime without reducing your insurance benefit.The minimum recurring investment is: S$1500 annually S$1000 semi-annually S$500 quarterly or S$200 monthly

18. INSPIRE at a glance Mode of payment –Cash, CPFIS-OA, CPFIS-SA & SRS Bonus Units for large investments –There will be bonus units issued for large premium sizes Premium Size (S$)Bonus Unit Values 50,000 – 99,0000.25% 100,000 and above0.50%

19. INSPIRE at a glance Top Up –You can top up your investment at any time, subject to underwriting Withdrawal –You can make full or partial withdrawals of units at the prevailing bid price

20. INSPIRE at a glance Charges Sales Charge The sales charge is a % of the initial single premium, recurring single premium or top up amount 5% Annual Management Fee 1.2%pa of net asset value for Guardian 1.6% pa of net asset value for Harvester Administration Fee 0.75% pa of net asset value. Monthly Insurance Charge Borne by AXA Switching Fee 2 free switches per policy year. Subsequent switches are at the lower $100 or 1% of the amount switched