WIXLIB

Bonus Rates Declared for Year 2020Bonus Policyi. Bonuses will be declared on policies in force as at 31 December 2020. The bonus rates stated in this document is allocated in respect of a fullyear’s premium paid up to the policy anniversary.ii. The bonuses will vest on 1 April 2021 or the policy anniversary of the policy (second anniversary onwards), whichever is later and is subjectto payment of the full year’s premium up till the policy anniversary. For annuities, bonus is added on their policy anniversaries from 1 April2021 to 31 March 2022.iii.All reversionary bonuses become guaranteed once they are vested and form a contractual right.Terminal (or special) bonus is applicable to the policies experiencing the specified events.

Reversionary BonusBonus S3SWProduct ionWhole LifeWhole LifeLPremium Living / LP ProtectionPAYMY'UNI'LP ited Pay RevoSave (5-Pay-10)RevoSaveGrowthSP SailRP FoundationEndowment SavingsEIS EndowmentGift PlanLiving EndowmentLiving hole LifeEndowmentHarvestDreamSaverRevoSaveLimited Pay RevoSaveSP SailRP SailVivoChildSeniorVivolifeVivoCareLimited Pay ProtectionProtectionHarvest (GIO)VivoCare 100 - BasicVivoLife 125Limited Pay RevoSave (5-Pay-10)RevoSecureVivoLife 180VivoLife 350DIRECT - Whole LifeLimited Pay RevoSave (3-Pay-10)VivoLife 350EndowmentFoundationSpecial EndowmentEndowmentWhole Life2020 Annual BonusRates2020 0%1.50%1.50%1.50%1.50%

Bonus 12X13X14X15X16X17AX17BX17CX17DYHKK1K2X1PProduct CategoryVivoCashRevosecureVivoWealth SolitaireLimited Pay RevoSaveRevoRetireRevoEaseVivoCash PrimeVivoLegacy SolitaireVivoAssureRevoGiftGro Goal SaverGro Flex SaverGro Retire EaseWealth SolitaireGro Prime SaverGro Secure SaverGro Retire WiseGro Steady SaverGro Junior SaverStar AssureLegacy SolitaireGro SaverStar Prime LifeDIRECT - Star Classic ProtectGro Gen SaverGro Cash HarvestGro Cash HarvestGro Cash HarvestGro Cash HarvestAnnuityAnnuityAnnuityAnnuityAnnuityGro AnnuityPaid Up Policies2020 Annual .34%0.88%0.69%2.00%2.00%0.00%2020 0.00%0.34%0.88%0.69%2.00%2.00%0.00%Note:- Annual bonus rates are quoted as a percentage of policy parameters as defined in the respective policy contract.Cash BonusBonus SeriesU1PG1G3G7X5X6X17AX17BX17CX17DI1Product CategorySP SailVivoCashVivoWealth SolitaireVivoCash PrimeWealth SolitaireGro Prime SaverGro Cash HarvestGro Cash HarvestGro Cash HarvestGro Cash HarvestGrandeur Solitaire (US )2020 Cash Bonus Rates2.50% per annum2.25% per annum0.22% per month2.00% per annum0.22% per month2.00% per annum2.30% per annum2.10% per annum2.05% per annum2.00% per annum0.23% per month

Terminal (or special) BonusTerminal (or special) Bonus is calculated as a percentage of the accumulated annual bonus, unless otherwise specified.End ofPolicy Year510152025303540LW Series – Whole LifeFor DeathFor 8%82%82%78%78%L Series – EndowmentFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%End ofPolicy Year510152025303540For Death103%105%102%85%75%68%63%59%LG1 series – GrowthFor Maturity For %63%59%59%For Death103%105%102%85%75%68%63%59%LG2 series – GrowthFor Maturity For %63%59%59%For Death103%105%102%85%75%68%63%59%LG3 series – GrowthFor Maturity For %63%59%59%End ofPolicy Year510152025303540For Death103%105%102%85%75%68%63%59%LH Series – HarvestFor Maturity For %63%59%59%L1 Series – EndowmentFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%For Death96%99%98%82%73%67%63%60%L2 Series – HarvestFor Maturity For %60%60%End ofPolicy Year510152025303540L3 Series – Anticipated EndowmentFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%For Death96%99%98%82%73%67%63%60%End ofPolicy Year510152025303540L6 Series – Endowment SavingsFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%L7 Series – EIS EndowmentFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%For Death103%105%102%85%75%68%63%59%LG series – GrowthFor Maturity For %63%59%59%L4 Series – EducationFor Maturity For %60%60%L5 Series – FoundationFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%For Death96%99%98%82%73%67%63%60%L8 Series – Gift PlanFor Maturity For %60%60%

End ofPolicy Year510152025303540L9 Series – Living EndowmentFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%End ofPolicy Year510152025303540CW Series – Whole LifeFor DeathFor %56%56%52%52%End ofPolicy Year510152025303540C2 Series – EndowmentFor DeathFor Maturity For 0%62%62%62%53%53%53%47%47%47%44%44%44%L10 Series – Living EndowmentFor DeathFor Maturity For %73%67%67%67%63%63%63%60%60%60%C Series – EndowmentsFor DeathFor Maturity For 0%62%62%62%53%53%53%47%47%47%44%44%44%L11 Series – LifestyleFor Maturity For %60%60%C1 Series – EndowmentsFor DeathFor Maturity For 0%62%62%62%53%53%53%47%47%47%44%44%44%C3 Series – FoundationFor DeathFor Maturity For 0%62%62%62%53%53%53%47%47%47%44%44%44%End ofE1 Series – Ltd Pay ProtectionPolicy YearFor DeathFor 90%178%30202%190%35215%203%40230%217%For Death158%166%187%188%NANANANAEnd ofPolicy Year510152025303540E10 Series – RevosaveFor DeathFor Maturity For 150%206%206%180%NANANANANANANANANAE4 Series – VivolifeFor DeathFor 85%188%188%198%198%For Death96%99%98%82%73%67%63%60%E2 Series – PayMyUniFor Maturity For NANANAE3 Series – LP RevosaveFor DeathFor Maturity For 150%206%206%180%NANANANANANANANANAFor Death0%0%33%60%60%60%60%60%EG Series – GrowthFor Maturity For 25%

End ofE5 Series – ReachE6 Series – DreamSaverPolicy YearFor DeathFor Maturity For SurrenderFor DeathFor Maturity For Surrender560%128% 50%500%932% 40NANANANANANA Maturity is at policy year 8.- For DreamSaver, the terminal bonus rates are declared as a percentatge of the monthly premiums.End ofPolicy Year510152025303540E7 Series – VivocareFor DeathFor 85%188%188%198%198%For Death100%150%250%250%250%350%470%555%E8 Series – VivosaveFor Maturity For 80%870%825%510152025303540U1 Series – SP SailForFor DeathFor NANANAEnd ofPolicy Year510152025303540R1 Series – EndowmentFor DeathFor Maturity For d ofPolicy Year510152025303540For Death80%150%165%173%206%NANANAEnd ofPolicy YearR4 Series – RevosaveFor Maturity For ANANANANAE9 Series – LP RevoSave (5-Pay-10)For DeathFor Maturity For NANANANANANANANANAU2 Series – RP SailFor DeathFor %408%503%NANAFor Death336%347%361%375%389%403%417%434%R2 Series – HarvestFor Maturity For 03%403%417%417%434%434%R5 Series – LP RevosaveFor DeathFor Maturity For 7%240%330%330%288%NANANANANANANANANA

End ofR3 Series – DreamSaver (8 Year)R3 Series – DreamSaver (10 Year)Policy YearFor DeathFor Maturity For SurrenderFor DeathFor Maturity For Surrender5375%0%225%450%0%225%10NA736% NANANA30NANANANANANA35NANANANANANA40NANANANANANA Maturity TB is at policy year 8- For DreamSaver, the terminal bonus rates are declared as a percentage of the monthly premiums.End ofPolicy Year510152025303540R6 Series – SP SAILFor DeathFor 15%385%NANANANAR7 Series – RP SAILFor DeathFor %411%NANANANAR8 – VivochildEnd ofPolicy YearFor DeathFor %155%155%155%NANANANAEnd ofPolicy Year510152025303540R10 Series – VivolifeFor DeathFor 305%376%310%396%327%End ofPolicy Year510152025303540For 135%NANANANAR9 – SeniorFor Surrender10-Pay77%135%135%135%NANANANAR11 Series -VivocareFor DeathFor 85%188%188%198%198%R14 – Harvest GIOFor Maturity For 03%403%NANANANAFull-Pay47%60%135%135%NANANANAFor DeathFor 92%355%372%390%409%429%R12 Series – LP ProtectionFor DeathFor %309%380%356%428%404%R15 – VivoCare 100 – BasicFor DeathFor 85%188%188%198%198%R13 Series – ProtectionFor DeathFor 9%159%167%167%175%175%

End ofPolicy Year510152025303540End ofPolicy Year510152025303540End ofPolicy Year510152025303540End ofPolicy Year510152025303540End ofPolicy Year510152025303540R16 – VivoLife 125For DeathFor 0%595%752%605%790%638%R17 – Limited Pay RevoSave (5-Pay-10)For DeathFor Maturity For ANANANANANANANANANAR18 Series –FlexRetire 5 PayFor DeathFor 95%261%119%R18 Series –FlexRetire 10 PayFor DeathFor 9%219%99%R19 Series – RevosecureFor DeathFor Maturity For NANANANANANANANANANAR22 Series –Direct – Whole LifeFor DeathFor 96%596%626%626%656%656%R18 Series –FlexRetire Regular PayFor DeathFor %43%R20 Series – Vivolife 180For DeathFor 0%820%752%880%792%940%R21 Series – Vivolife 350For DeathFor 0%1450%1100%1475%1100%1500%1150%R23 Series –Limited Pay RevoSave (3-Pay-10)For DeathFor Maturity For ANANANANANANANANAR24 Series –VivoLife 350 (Repriced)For DeathFor 0%1450%1100%1475%1100%1500%1150%S Series – EndowmentFor DeathFor Maturity For %49%43%43%43%40%40%40%38%38%38%S1 Series – FoundationFor DeathFor Maturity For %49%43%43%43%40%40%40%38%38%38%

End ofPolicy Year510152025303540S2 Series – Special EndowmentFor DeathFor Maturity For %49%43%43%43%40%40%40%38%38%38%S3 Series – Anticipated EndowmentFor DeathFor Maturity For %49%43%43%43%40%40%40%38%38%38%510152025303540G1 Series –Vivocash (Premium Term 5 or 10)For DeathFor Maturity For 00%25.50%26.75%26.75%26.75%28.00%28.00%28.00%G1 Series –Vivocash (Premium Term 15 or 20)For DeathFor Maturity For %25.75%27.00%27.00%27.00%28.25%28.25%28.25%End ofPolicy Year510152025G2 Series – RevoSecure 5 PayFor DeathFor Maturity For %3530%3530%3177%4220%4220%3798%G2 Series – RevoSecure 10 PayFor DeathFor Maturity For %2770%2770%2493%3630%3630%3267%End ofPolicy YearEnd ofG3 Series – VivoWealth SolitairePolicy YearFor DeathFor Maturity For 30%60.30%- For VivoWealth Solitaire, the terminal bonus rates are declared as a percentage of the single premium.End ofPolicy Year510152025G4 Series – Limited Pay Revosave (3 Pay)For DeathFor Maturity For 4 Series – Limited Pay Revosave (5 Pay)For DeathFor Maturity For %370%510%510%370%G2 Series – RevoSecure 15 PayFor DeathFor Maturity For 95%1995%1796%2845%2845%2561%

End ofPolicy Year510152025G4 Series – Limited Pay Revosave (10 Pay)For DeathFor Maturity For 38%385%385%270%G4 Series – Limited Pay Revosave (15 Pay)For DeathFor Maturity For %320%320%240%G5 Series –G5 Series –G5 Series – RevoRetireRevoRetire (5 Pay)RevoRetire (10 Pay)(Premium Term By Age)For DeathFor SurrenderFor DeathFor SurrenderFor DeathFor 85%149.92%241.32%127.01%- For RevoRetire, the terminal bonus rates are declared as a percentage of annualized premium paid-to-date.End ofPolicy YearEnd ofPolicy Year510152025303540For Death200%300%NANANANANANAEnd ofPolicy Year510152025303540SW Series – Whole LifeFor DeathFor %48%45%45%End ofPolicy Year510152025303540G6 Series – RevoEaseFor Maturity For Surrender0%200%420%300%NANANANANANANANANANANANADW Series – Whole LifeFor DeathFor 36%G7 Series –Vivocash Prime (Premium Term 5 or 10)For DeathFor Maturity For %40.20%40.20%50.40%50.40%50.40%A SeriesFor DeathFor 25%25%G7 Series –Vivocash Prime (Premium Term 15 or 20)For DeathFor Maturity For 0.50%40.50%50.90%50.90%50.90%

End ofPolicy Year510152025303540End ofPolicy Year510152025303540G8 Series – VivoLegacyFor DeathFor 1760%775%1760%930%1835%1080%G9 Series – VivoAssureFor DeathFor 0%625%745%755%925%940%G10 Series – RevoGift (For 73%1483%5 Pay10 Pay15 Pay20 0%45%252%350%486%585%705%End ofI1 Series – Grandeur Solitaire (US )X2 Series – Gro Goal SaverPolicy YearFor DeathFor Maturity For SurrenderFor DeathFor Maturity For 33%33%NANANA3538%48%48%NANANA4054%64%64%NANANA- For Grandeur Solitaire (US ), the terminal bonus rates are declared as a percentage of the single premium.End ofPolicy Year510152025X3 Series – Gro Flex Saver (5 Pay)For DeathFor Maturity For %370%510%510%370%X3 Series – Gro Flex Saver (10 Pay)For DeathFor Maturity For 38%385%385%270%X3 Series – Gro Flex Saver (15 Pay)For DeathFor Maturity For %320%320%240%X4 Series –Gro Retire Ease(Premium Term By Age)For DeathFor SurrenderFor DeathFor SurrenderFor DeathFor 85%149.92%241.32%127.01%- For Gro Retire Ease, the terminal bonus rates are declared as a percentage of annualized premium paid-to-date.End ofPolicy YearX4 Series –Gro Retire Ease (5 Pay)X4 Series –Gro Retire Ease (10 Pay)