Eternal Fortune Global Whole Life Insurance Plan

Remarks:

1. While the policy is in force and during the lifetime of the Insured, the Policy Owner may request in writing to have the Death Benefit payable to the Beneficiary(ies) in the occurrence of the death of the Insured in accordance with any one or more payment option(s) and/or payment deferral arrangement(s) offered at BOC Life’s sole discretion (“Settlement Option(s)”) (“‘Prosperity Wealth’ Advance Policy Instruction”). Upon BOC Life’s approval of the death claim, payments calculated by the Determined Portion of Death Benefit shall be paid to the designated Beneficiary(ies) in accordance with the Settlement Option(s) chosen by the Policy Owner which respectively apply(ies) to each of such designated Beneficiary(ies). If the Settlement Option(s) chosen by the Policy Owner include(s) payment deferral arrangement(s), such payments shall be paid to the designated Beneficiary(ies) on or commencing from (as the case may be) the Designated Date of Payment under “Prosperity Wealth” Advance Policy Instruction. For the avoidance of doubt, should the Designated Date of Payment under “Prosperity Wealth” Advance Policy Instruction fall before our approval of the death claim, such payment deferral arrangement(s) shall be deemed to be cancelled, and the payment(s) to each of the designated Beneficiaries shall be released in accordance with the payment option(s) under the Settlement Option(s) chosen by the Policy Owner which respectively apply(ies) to each of such designated Beneficiary(ies) after BOC Life’s approval of the death claim. A non-guaranteed interest rate declared by BOC Life from time to time will be applied to the unpaid Determined Portion of Death Benefit accumulated with BOC Life. The payments amount is therefore not guaranteed.

2. During the lifetime of the Insured and while the policy is in force, the Policy Owner may make an application for change of Insured within 31 days before or after any Policy Anniversary. The New Insured is subject to underwriting rules of BOC Life. For details, please refer to the sample of endorsement to be issued after approval of the application. Change of Insured is subject to the prevailing rules and conditions of BOC Life.

3. During the lifetime of the Insured and while the policy is in force, the Policy Owner may make an application to nominate a Contingent Insured who may become the Insured of the policy when the current Insured dies, subject to the prevailing rules and conditions of BOC Life. If the current Insured dies and there is a Contingent Insured duly nominated, while the policy is in force and within one year from the date of death of the current deceased Insured, the Policy Owner may make an application for change of Insured to BOC Life to apply for replacing the current deceased Insured with the Contingent Insured. The acceptance of Policy Owner’s application for change of Insured to the Contingent Insured will be entirely at BOC Life’s discretion, and subject to such other terms and conditions as BOC Life shall determine from time to time. Various terms of the policy will be revised upon the approval of the application for change of Insured to the Contingent Insured. In the event that there is a Contingent Insured nominated under the policy, BOC Life will not process any claim for Death Benefit within one year from the date of death of the current deceased Insured. BOC Life will only process a claim for Death Benefit in respect of the current deceased Insured if there is no application for change of Insured submitted within one year from the date of death of the current deceased Insured, such application for change of Insured is rejected, or the Contingent Insured is removed, whichever is the earliest. For the avoidance of doubt, if there is a Contingent Insured nominated and such Contingent Insured has successfully become the Insured of the policy, the Death Benefit under the policy will not be payable for the death of the current deceased Insured.

4. The Policy Owner may apply for changing the current policy currency to a different currency available for selection, by exchanging the policy for a plan under the Eternal Fortune Global Series offered at BOC Life’s sole discretion in the new policy currency, subject to the prevailing rules and conditions of BOC Life. The new policy currency will not be available for selection if it is demonetized by the issuance country or region at the time of currency exchange. The acceptance of any Policy Owner’s application for currency exchange will be entirely at BOC Life’s discretion, and subject to such other terms and conditions as BOC Life shall determine from time to time. The terms of the policy will be revised to follow all benefits, options and other policy terms as provided by such new plan, which may be significantly different from the Basic Plan of the original policy. If the Policy Owner intends to apply for the Currency Exchange Option in the future, please contact BOC Life for details and further handling. The Notional Amount shall be rounded off to the nearest integer after exercising the Currency Exchange Option. BOC Life will determine and adjust the Notional Amount, guaranteed and non-guaranteed policy values, future premium(s) due and payable (if any) and interest rate for the dividend accumulations (if any) in the new policy currency based on factors including but not limited to the prevailing market-based currency exchange rate as determined by BOC Life from time to time, the investment yield and asset values of the existing and new underlying portfolio of assets, and/or the transactions from the existing assets to new assets. Any dividend accumulations under the policy will be adjusted according to the prevailing market-based currency exchange rate as determined by BOC Life from time to time. The Total Premiums Paid for the policy after currency exchange will be adjusted according to the new Notional Amount of the policy, and will become the basis for the calculation of Death Benefit, Additional Accidental Death Benefit (if applicable), Accidental ICU Benefit (if applicable) and other benefits (if applicable) of the policy. All supplementary benefit(s) (if any) will remain in force and be changed to the new policy currency. If the chosen new policy currency is not offered under such supplementary benefit (s) or such supplementary benefit cannot be attached to the new plan after currency exchange, such supplementary benefit(s) will automatically end when the currency exchange takes effect. Currency Exchange Option is subject to the prevailing rules and conditions of BOC Life. For details, please refer to the provisions issued by BOC Life. The Policy Owner should evaluate in detail for the differences between the offerings of the original plan and the plan available for currency exchange under the Eternal Fortune Global Series at that time, and consider whether the relevant product meets his/her own individual needs, and should not convert to the plan solely for the sake of exercising the Currency Exchange Option. The approval of application to exercise the Currency Exchange Option and the currencies available for selection when exercising the option will be subject to relevant applicable laws and regulations.

5. Foreign currency exchange rates may fluctuate. As a result, you may incur a substantial loss when you choose to convert your payout benefits to other currencies. The subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. Additionally, the conversion of your benefits to other currencies is subject to currency exchange restrictions applicable at the time when the benefits are paid. If your policy currency is not your local currency, your policy value may appreciate or depreciate when viewed against your local currency. BOC Life may illustrate a different future policy value for policies denominated in different currencies, with the expected foreign exchange movements reflected. When you view the policy values in your local currency over the long term, those illustrated differences may not be realized and may change depending on the actual foreign exchange movement. In the short term, foreign exchange movements can be large and difficult to predict. You have the sole responsibility to decide if you want to convert your benefits to other currencies.

6. The Policy Owner may make an application to transfer certain policy values of the original policy to a separate new policy or multiple separate new policies (“Split Policy”), without providing any evidence of insurability, subject to the prevailing rules and conditions of BOC Life. The acceptance of any Policy Owner’s application for split will be entirely at BOC Life’s discretion, and subject to such other terms and conditions as BOC Life shall determine from time to time. Upon BOC Life’s approval of the application for split, certain policy values of the original policy will be transferred to the Split Policy and the Notional Amount of the original policy will be reduced. All terms and conditions of the Split Policy will follow the original policy; save and except for the condition where Accidental ICU Benefit has been paid under the original Policy before split, the Accidental ICU Benefit will not be applicable to the Split Policy and the original policy after split. The Policy Date and Policy Issue Date of the Split Policy will be the same as the original policy. Time shall not run afresh in respect of the computation of Policy Years, and the operation of Incontestability clause and Suicide clause of the Split Policy. There is no cooling off period for the Split Policy. For details, please refer to the provisions issued by BOC Life.