The Solid Investor is an equity-linked insurance plan available to anyone up to age 70 years. It offers a good return on your savings whilst providing life coverage. You may contribute any premium, subject to a minimum amount determined by the Company from time to time. You can ensure that your contribution maintains its value in real terms by choosing the Indexation option on the Application. A percentage of each premium paid is invested each month on your behalf in the Investment Funds. You may determine the proportion of these premiums to be allocated to each Fund. Apart from the Basic Sum Insured, the returns from the Interest Fund, and the rider benefits, if purchased, the benefits payable under this plan are not guaranteed but will fluctuate with the market values of the assets supporting the Funds.

Features and Benefits

Premiums

You may pay:

• Monthly

• Quarterly

• Half-Yearly

• Yearly

They are payable to the Option Date (10th anniversary of the Issue Date) at which point you may choose either to continue premium payments or surrender your plan and take the Fund Value less a transaction fee.

Non-Payment of Premiums

30 days of grace are allowed for the payment of any premium from its due date. In the event that premiums are not received within this period, the Basic Sum Insured remains payable provided that the total value of the units is sufficient to cover the monthly charges. When this value is no longer sufficient to cover these deductions, your plan lapses.

Allocation of Funds

Monthly Premium - Year 1 - Year 2 - Year 3 and over

• 1,000 - 1,799.99 - 40% - 65% - 96 1/2%

• 1,800 - 2,499.99 - 40% - 70% - 96 1/2%

• 2,500 - 3,999.99 - 40% - 75% - 96 1/2%

• 4,000 - 9,999.99 - 40% - 80% - 96 1/2%

• 10,000 and over - 40% - 85% - 96 1/2%

Each month, units are canceled from the Funds to pay the cost of insurance and the Administration Charge. In the first month, there is a further Administration Charge representing the issue cost and Stamp Duty.