Before applying for a participating policy with the Company, each prospective policyholder will receive a proposal from our AIA representatives which outlines the policy benefits and projects the values they may receive under the policy based on stated assumptions. Projected values for annual dividends, maturity dividend, maturity bonus, reversionary bonuses or extra bonus (as the case may be) are based on the then prevailing dividend rates/bonus rates and are not guaranteed. For purposes of the proposal, annual dividends are assumed to be left with the Company and accumulate interest annually at the applicable current interest rate. The interest rate used is stated in the proposal but is not guaranteed. Reversionary bonuses are assumed not cashed out. A maturity dividend, maturity bonus or extra bonus is included in the proposal as an addition to the non-guaranteed benefit at the applicable policy year. Annual dividends, reversionary bonuses, extra bonus, the dividend accumulation interest rate and maturity dividend or maturity bonus are all non-guaranteed projected values which are subject to change, and any change in any of them will result in a different actual policy value compared with the illustrated figures in the proposal.