American International Assurance Company (Bermuda) Limited

Asset building through regular investments
　　+ wide range of investment options

Treasure Accumulator¹ is a whole life investment-linked insurance plan designed for people who have the foresight to work towards a goal. The plan has a number of special features to assist you to realize your dreams:
	Affordable contribution – You can start sowing seeds in your investment plan with as low as US$150 per month to set you on your way for the harvest later on.
	Special bonus – You can enhance the potential return of your investment through a special bonus distributed in the first Policy Year.
	Access to account value – Unanticipated events could occur at any time. To meet imminent financial needs, you may withdraw² part of your investment free of charges after the Initial Contribution Period.
	Wide array of investment funds – You can access different markets around the globe by linking the benefits of your Policy to a diversified spectrum of Fund Options³.
	Switching of Fund Options – You can switch between Fund Options to formulate your ideal investment portfolio.
	Policy Fee refund – As a compliment to your commitment to the plan, we will refund all the Policy Fees you have paid during the Premium Payment Period.

Premium Payment Period
The Premium Payment Period for your Policy is 5 years. You can choose to maintain the Account Value with us after the Premium Payment Period⁴.

Premium Contribution
You can start your investment plan by contributing as low as US$150 premium per month. Other than contributing on a monthly basis, you can also pay your premium quarterly, semi-annually or annually according to your financial planning.

Whenever you need it, you may change the payment frequency or reduce the amount of premium⁵. Reduction in premium during the Initial Contribution Period will be subject to an Early Encashment Charge.

Please refer to the Summary of Charges section and the Illustrative Examples section in the Product Brochure for information of the mechanism of the Early Encashment Charge.

Special Bonus
While your Policy is in force, a Special Bonus⁶ will be payable upon our receipt of each payment of the first year premium during the first Policy Year. The amount of the Special Bonus is the amount of each premium received for the first Policy Year multiplied by the applicable Special Bonus rate⁷.

The current Special Bonus rates are as follows:

First Year Annual Premium⁸(US$)	Special Bonus Rate
1,800 – 2,499	1.5%
2,500 – 29,999	2.5%
30,000 or above	5.0%

Partial Withdrawal
If you need access to cash after the Initial Contribution Period, you may make a Partial Withdrawal⁹ from the Accumulation Unit Account by simply specifying the number of Units you want to withdraw from selected Fund Options. Please note Partial Withdrawal is not applicable during the Initial Contribution Period.

Policy Fee Refund
To show our appreciation of your commitment to the Policy, we will refund all the Policy Fees you have paid at the end of the Premium Payment Period if your Policy is still in force. The refund will be credited to the Accumulation Unit Account in the form of Units of AIG International Money Market Fund Plc – US Dollar (Investor Shares) or in the form of Units of a Fund Option as determined by us.

Death Benefit
If the Insured unfortunately dies during the first two Policy Years, a Death Benefit¹⁰ of 101% of the Account Value under the Policy will be paid.

If the Insured dies after the second Policy Year but before the end of the Premium Payment Period, we will pay at least 110% of the total premium paid (less any withdrawals made) as the guaranteed Death Benefit. If 101% of the Account Value under the Policy is higher than this guaranteed Death Benefit, then 101% of the Account Value will be paid as Death Benefit during the said period.

If the Insured dies after the Premium Payment Period, a Death Benefit equals to the Account Value will be paid.

Notes:

Treasure Accumulator is classified as linked long-term business as defined in Part 2 Schedule 1 to the Insurance Companies Ordinance.

Please refer to the Partial Withdrawal section in the Product Brochure for more information.

Fund Options are authorized by the Securities and Futures Commission under this Policy for you to select which the benefits of your Policy will link up to. The authorization does not imply official approval or recommendation.

No Premium will be accepted after the Premium Payment Period. Please refer to the Summary of Charges in the Product Brochure for information of fees and charges that are applicable after the Premium Payment Period.

Contributions can be reduced to no less than US$150 per month.

The Special Bonus rates may be revised by AIA from time to time at its sole discretion.

In case of reduction in premium, the Special Bonus payable in respect of the reduced premium will be based on the bonus rate that is applicable to the reduced premium.

In case of payment modes other than the annual mode, the applicable Special Bonus rate will be determined by the total premium payment that would have been made in one year.

The minimum Partial Withdrawal amount is US$600 and the remaining Account Value of the Accumulation Unit Account after the Partial Withdrawal cannot be less than US$1,500.

If death claim was made during the first two Policy Years, the Account Value derived from the Special Bonus will be deducted from the Account Value under your Policy before determination of the Death Benefit.

American International Assurance Company (Bermuda) Limited is not responsible for the performance of any Underlying Fund selected for the purposes of an investment-linked insurance plan. Please see the offering documents of the relevant Underlying Fund before making investment decisions. Copies of the offering documents are made available by us.

As a consequence of the general nature of varied investments and possible exchange or interest rate fluctuations, the value of investments and their yields may go down as well as up. For more information of this product, fees and charges and fund options, please refer to the Product Brochure and the Funds Brochure.