Employee Benefits Solutions

We started in England 160 years ago

Prudential Head Office- Holborn Bars, London (1879)

ASIA

Over 80 years in Asia Asias leading European-based life insurer with life insurance and fund management operations in 13 Asian markets

15 million customers in Asia 13 life operations 7 countries with Top 3 positions - China - Hong Kong - India - Indonesia - Malaysia (1 insurer achieved 1 Billion) - Singapore - Vietnam among foreign players

All figures as at 30 September 2010

More than 25 million customers worldwide

Why Employees Benefits Solution?

RETENTION Do you think that your company will be interested in improving their employees retention rates? ATTRACT QUALITY STAFF Do you believe better package easier to attract better staff?

EXTRA MILES FOR EMPLOYEES Will you be pleasantly surprise if your company have an agreement with Prudential which allow employees to buy a family insurance package ?

GOOD WILL Do you want your employees to feel proud and happy of the company?

HELP EMPLOYEES TO SAVE MONEY Ever heard of a plan which can cover a family of four with less than RM200.00 a month ?

PEACE OF MIND Will your company wants to see your employees seek for help every where when come to Death, Critical illness and hospitalized?

Prudential Employee Benefit Solution

Group Insurance 1.Based on companys budget 2.Based on employee's ranking Company pay premium in group rate

Worksite Marketing 1.Based on employees individual need 2.Not limit by ranking Employees pay premium in group rate (30%-50% cheaper compare individual plan)

PARTNERSHIP

PRUDENTIAL Is Inviting You

To Be Strategic Alliance Partner

Why PRUguard my family ?

Special Highlights

1. Complete Coverage For The

Family At An Affordable Premium

2. Savings With Guaranteed

Dividends

3. Portable Coverage 4. Peace Of Mind

(Level Premium)
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Prudential Employee Benefits Solution

What benefits for the Employees?

Convenient (you choose your own plan at your work place) Can pay via credit card , auto debit, cash/cheque Affordable monthly premium (as low as RM18.15 a month) Own choice Extend coverage for spouse & dependant children Portable - Coverage continue after leaving Level premium Guaranteed dividends

Details of coverage for each family member (Amount claimable per event) Flex-on
Zeta/ 10 years old Monthly RM36.69
Start from minimum of 3 units to maximum of 50 units (1 units = RM11,000 Sum Assured)

Flex-on Complete 3 units

RM33,000 RM33,000 RM66,000 RM99,000 RM33,000 RM66,000 RM99,000 RM33,000 RM5,000 RM10,000 RM90 per day

RM1.20 per day

Azmin / 35 years old Monthly RM57.24

Natural Death 36 Types of Critical Illnesses Accidental Death Accidental Death

(Travelling in any public conveyance)

RM1.90 per day

Sarina / 32 years old Monthly RM57.24

Total Permanent Disability

(Due to natural causes)

RM1.90 per day

Total Permanent Disability

(Due to accidental means)

Total Permanent Disability

(Travelling in public conveyance)

Partial Permanent Disability Sophia/ 6 years old Monthly RM36.69

(Accidental according to scale of benefits)

Compassionate Allowance
(Natural Death)

RM1.20 per day

Compassionate Allowance
(Accidental Death)

Hospital Benefit
(RM30 per unit)

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Step 1
Flex-on
Start from minimum of 3 units to maximum of 50 units (1 units = RM11,000 Sum Assured) Natural Death 36 Types of Critical Illnesses Accidental Death Accidental Death
(Travelling in any public conveyance)

Amount Claimable Per Event

Flex-on Complete 3 units
RM33,000 RM33,000 RM66,000 RM99,000 RM33,000 RM66,000 RM99,000 RM33,000 RM5,000 RM10,000 RM90 per day

Flex-on 3D plus 3 units

RM33,000 RM33,000 RM66,000 RM99,000 RM33,000 RM66,000 RM99,000 RM33,000 RM5,000 RM10,000

Flex-on 3D 3 units
RM33,000 RM33,000 RM33,000 RM33,000 RM33,000 RM33,000 RM33,000

Flex-on 2D plus 3 units

RM33,000

Flex-on 2D 3 units
RM33,000

RM66,000 RM99,000 RM33,000 RM66,000 RM99,000 RM33,000 RM5,000 RM10,000

RM33,000 RM33,000 RM33,000 RM33,000 RM33,000

Total Permanent Disability

(Due to natural causes)

Total Permanent Disability

(Due to accidental means)

Total Permanent Disability

(Travelling in public conveyance)

Partial Permanent Disability

(Accidental according to scale of benefits)

Compassionate Allowance
(Natural Death)

Compassionate Allowance
(Accidental Death)

Hospital Benefit
(1 unit = RM30 per day)

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Step 1
Flex-on
Start from minimum of 3 units to maximum of 50 units (1 units = RM11,000 Sum Assured)

Monthly Premium Rate (RM)

Flex-on Complete 3 units RM 36.69 44.37 57.24 67.56 80.58 99.87 128.34 167.91 Flex-on 3D plus 3 units RM 31.02 37.29 50.16 59.07 69.96 87.12 114.18 149.49 Flex-on 3D 3 units RM 28.05 34.32 47.19 56.10 66.99 84.15 111.21 146.52 Flex-on 2D plus 3 units RM 21.12 23.43 29.70 33.99 38.61 47.52 59.40 77.88 Flex-on 2D 3 units RM 18.15 20.46 26.73 31.02 35.64 44.55 56.43 74.91

Age Band (Age Next Birthday)

01 15 16 25 26 35 36 40 41 45 46 50 51 55 56 60

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Step 2
Plus-on
Optional Enhanced Benefits

Plus-on with optional Enhanced Benefits

Flex-on Complete Flex-on 3D plus Flex-on 3D Flex-on 2D plus Flex-on 2D

Option-1 PRUguard my medical

(Comprehensive medical cover)

Yes

Yes

Yes

Yes

Yes

Option-2 PRUguard my lady

(Coverage for female-related illnesses)

Yes

Yes

Yes

Yes

Yes

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HOSPITAL & SURGICAL BENEFITS Hospital Daily Room & Board {120 days per year} Intensive Care Unit* {30 days per year} Surgical* In-hospital & Related Services* OUT-PATIENT TREATMENT BENEFITS** Pre-hospitalisation Treatment {Within 30 days before hospitalisation} Post-hospitalisation Treatment {Within 90 days after hospital discharge} Home Nursing Care {180 days per life-time} Day Surgery Cancer Treatment Kidney Dialysis Emergency Treatment For Accidental Injury {Annual limit} OVERALL ANNUAL LIMIT LIFE-TIME LIMIT EMERGENCY MEDICAL ASSISTANCE

Plan MM100 RM 100 As Charged

Plan MM150 RM 150

Plan MM200 RM 200

Plan MM300 RM 300

Plan MM400 RM 400

* For Hospital & Surgical Benefits (except Hospital Daily Room & Board Benefit), you pay 10% of total eligible expenses subject to Minimum Co-insurance Amount of RM300 and a Maximum Coinsurance Amount of RM1,000. The Company pays the balance.

As Charged

** For Out-patient Treatment Benefits, you pay 10% of total eligible benefits and the Company pays the balance.

1,000 50,000 500,000 Yes

1,500 62,500 625,000 Yes

2,000 75,000 750,000 Yes

3,000 100,000 1,00,000 Yes

4,000 150,000 1,500,000 Yes

Plan MM100 RM
Hospital Daily Room & Board

Plan MM150 RM 150 RM 50.99 56.50 62.01 67.52 77.14 89.56 108.81 135.05 166.71 198.37 1,500 62,500 625,000 Yes

Plan MM200 RM 200 RM 60.61 67.09 73.47 79.94 91.84 106.53 129.54 161.64 199.33 236.94 2,000 75,000 750,000 Yes

Plan MM300 RM 300 RM 86.33 95.51 105.66 114.84 131.37 153.41 186.48 232.39 286.54 341.64 3,000 100,000 1,00,000 Yes

Plan MM400 RM 400 RM 118.52 132.25 145.10 157.96 181.84 211.23 257.15 320.56 396.74 472.05 4,000 150,000 1,500,000 Yes 15

Get relief from financial headaches caused by huge hospital bills!

Procured my medical provides you with:

Age Next Birthday

100 RM 44.17 48.98 53.70 58.51 66.82 77.58 94.29 117.03 144.49 171.96 1,000 50,000 500,000 Yes

01 15 16 20 21 25 26 30 31 35 36 40 41 45 46 50 51 55 56 60

Guaranteed renewal Day surgery As charged Out-patient Cancer Treatment & Kidney Dialysis As charged Level premium Very high Life-time limit No restrictive surgical schedule Home nursing care Free choice of hospital & doctors Cashless medical card

Emergency Treatment for Accidental Injury Overall Annual Limit Life-time Limit Emergency Medical Assistance

Example: Male, age 35, C2 & smoker

A. Medical Plan
PREMIUM RATE 31 35 36 40 41 45 46 50 51 55 56 60 61 65 66 69 70

PRUDENTIAL
PRUguard my family

Competitor
Stand-alone Medical Plan Medical Plan - 200
Monthly RM 48.00 64.00 82.00 106.00 120.00 188.00 312.00 622.00 652.00 Annual RM (576.00 x 1) (768.00 x 5) (984.00 x 5) (1,272.00 x 5) (1,440.00 x 5) (2,256.00 x 5) (3,744.00 x 5) (7,464.00 x 4) (7,824.00 x 1) Total Premium = 576 = 3, 840 = 4,920 = 6,360 = 7,200 = 11,280 = 18,720 = 29,856 = 7,824 PRU Competitor - More Expensive By

PRUguard my medical - 200

Monthly RM 91.84 91.84 91.84 91.84 91.84 91.84 91.84 91.84 91.84 Annual RM 1,102.08 1,102.08 1,102.08 1,102.08 1,102.08 1,102.08 1,102.08 1,102.08 1,102.08 x 36

Total Premium Payable

RM39,674

RM90,576

RM50,886.
Guaranteed Renewal Level Premium YES YES YES NO PRU

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PRUguard my lady
PRUguard my lady BENEFITS Sum Assured 1st CATEGORY

Plan ML25 RM 25,000

Plan ML50 RM 50,000

Plan ML75 RM 75,000

Plan ML100 RM 100,000

Female Related Cancers - Cancer of the Breast, Cervix Uteri, Fallopian Tube, Ovary, Uterus and Vagina/Vulva

Systemic Lupus Erythematosus (SLE) with Lupus Nephritis

Note: Balance of 70% of the sum assured will be paid if 30% of the sum assured was paid in respect of claim for any one of the events under the 3rd Category prior to the diagnosis of female related cancer or Systemic Lupus Erythematosus (SLE) with Lupus Nephritis.

100 % of Sum Assured

2nd CATEGORY

Rheumatoid Arthritis with complications Facial Reconstructive Surgery due to an Accident Skin Grafting due to Burns Skin Grafting due to Skin Cancer Osteoporotic Fracture of the hip / vertebra Breast Reconstructive Surgery due to Cancer of the Breast
3rd CATEGORY

30 % of Sum Assured

Carcinoma-in-situ of the breast Carcinoma-in-situ of the cervix uteri

Note: The amount payable in respect of the 3rd Category of the PRUguard my lady benefit shall not be payable after claim has been made under the 1st Category of the PRUguard my lady benefit.

30 % of Sum Assured

Application is subject to full underwriting PRUguard my lady benefit will cease when Policyholder has claimed up to 130% of the sum assured.

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Plan ML25 RM
Sum Assured

Plan ML50 RM 50,000 RM 41.20 45.74 51.34 64.99 72.51 82.13 94.99

Plan ML75 RM 75,000 RM 51.17 64.73 74.17 91.84 103.17 117.33 149.13

Plan ML100 RM 100,000 RM 61.14 77.58 93.76 118.69 133.82 152.54 175.89

25,000 RM 20.60 22.87 25.67 32.49 36.25 41.07 49.93

Waiting Period & Conditions Waiting Period 120 days Carcinoma-in-situ of the breast/cervix uteri Waiting Period 60 days Female related cancer Skin grafting due to skin cancer Breast reconstructive surgery Waiting Period 30 days SLE with lupus nephritis Osteoporotic fracture of the hip/vertebra

Age Next Birthday

16 25 26 35 36 40 41 45 46 50 51 55 56 60

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Fund Performance
Minimum Annualized Annual Declared Quarterly Dividend rate Dividend Dividend Rate Q1 Q2 Q3 Q4 Rate (%) (%) 2.070% 2.700% 1.200% 1.450% 7.240% 1.400% 0.330% 0.330% 0.330% 0.330% 1.330% 1.330% 0.295% 0.330% 1.770% 1.640% 4.035% 1.180% 1.920% 1.610% 2.010% 2.010% 7.550% 0.550%

Year 2007 2008 2009 2010

Notes: (1) The asset mix within the Universal Life Fund is 75% bonds and 25% equities. (2) The minimum annual dividend rate is based on the 12-month average savings account rate for the three largest local commercial banks in Malaysia by share capital. The banks used as the point of reference for this computation are Maybank, CIMB and Public Bank, who were the largest banks by share capital in 2007 and 2008. (3) The quarterly dividend rate declared is taken as the minimum dividend rate or the smoothed return, whichever is higher. This is a class of product that is specially designed for customers with lower risk appetite who are not comfortable with taking on market risk. With the guarantee and smoothing mechanism of these products, policyholders will always enjoy a smooth and positive return from their policies.

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RM4.00 per 1 unit or ( RM11,000 basic sum assured ) annually for 10 years RM2.00 per unit on yearly payment Minimum 50 policies issued for per SAP

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Thank You!